Home > First National Bank of Kansas > Performance and Condition Ratios
First National Bank of Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,232 |
| Cost of funding earning assets | 1.5560% | 1,796 |
| Net interest margin | 2.1907% | 4,323 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.5763% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0794% | 4,271 |
| Return on assets (ROA) | 0.0794% | 4,297 |
| Pretax return on assets | 0.0827% | 4,291 |
| Return on Equity (ROE) | 8.7500% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.7467% | 1,316 |
| Net charge-offs to loans | -0.1813% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 96.8520% | 238 |
| Assets per employee ($millions) | 7.2781% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 1,643 |
| Loan loss allowance to noncurrent loans | 115.7025% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 1,446 |
| Noncurrent loans to loans | 1.1510% | 630 |
| Net loans and leases to total assets | 32.8900% | 4,235 |
| Net loans and leases to deposits | 38.4848% | 4,232 |
| Net loans and leases to core deposits | 43.9408% | 4,206 |
| Total domestic deposits to total assets | 85.4600% | 2,172 |
| Equity capital to assets | 1.1161% | 4,576 |
| Core capital (leverage) ratio | 9.2001% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9731% | 796 |
| Memoranda: | ||
| Average total assets | $91,953,200 | 3,899 |
| Average earning assets | $85,862,400 | 3,873 |
| Average equity | $834,600 | 4,525 |
| Average total loans | $28,681,600 | 4,159 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 4,212 |
| Cost of funding earning assets | 1.4999% | 1,604 |
| Net interest margin | 2.2008% | 4,353 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.5238% | 2,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1869% | 4,240 |
| Return on assets (ROA) | 0.1869% | 4,259 |
| Pretax return on assets | 0.1913% | 4,268 |
| Return on Equity (ROE) | 21.9000% | 567 |
| Retained earnings to average equity (ytd only) | 21.9009% | 199 |
| Net charge-offs to loans | -0.2336% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.8533% | 298 |
| Assets per employee ($millions) | 6.0733% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 1,499 |
| Loan loss allowance to noncurrent loans | 444.6809% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 2,886 |
| Noncurrent loans to loans | 0.3119% | 2,117 |
| Net loans and leases to total assets | 32.6200% | 4,275 |
| Net loans and leases to deposits | 37.8395% | 4,259 |
| Net loans and leases to core deposits | 45.4570% | 4,142 |
| Total domestic deposits to total assets | 86.2100% | 2,132 |
| Equity capital to assets | -0.0889% | 4,614 |
| Core capital (leverage) ratio | 9.1765% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5633% | 751 |
| Memoranda: | ||
| Average total assets | $91,287,750 | 3,915 |
| Average earning assets | $85,602,250 | 3,891 |
| Average equity | $779,250 | 4,551 |
| Average total loans | $27,967,500 | 4,187 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6381% | 4,211 |
| Cost of funding earning assets | 1.3800% | 1,504 |
| Net interest margin | 2.2581% | 4,385 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.4981% | 2,213 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.2890% | 4,169 |
| Return on assets (ROA) | 0.2890% | 4,198 |
| Pretax return on assets | 0.2978% | 4,234 |
| Return on Equity (ROE) | 24.7700% | 393 |
| Retained earnings to average equity (ytd only) | 24.7655% | 129 |
| Net charge-offs to loans | -0.3524% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.1406% | 380 |
| Assets per employee ($millions) | 6.1555% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 1,423 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 2,818 |
| Noncurrent loans to loans | 0.3245% | 1,971 |
| Net loans and leases to total assets | 31.2600% | 4,298 |
| Net loans and leases to deposits | 37.3188% | 4,270 |
| Net loans and leases to core deposits | 41.5388% | 4,229 |
| Total domestic deposits to total assets | 83.7600% | 2,879 |
| Equity capital to assets | 0.8978% | 4,625 |
| Core capital (leverage) ratio | 9.0687% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5722% | 753 |
| Memoranda: | ||
| Average total assets | $91,350,667 | 3,928 |
| Average earning assets | $86,088,333 | 3,897 |
| Average equity | $1,066,000 | 4,571 |
| Average total loans | $27,244,667 | 4,207 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 4,177 |
| Cost of funding earning assets | 1.2650% | 1,311 |
| Net interest margin | 2.3145% | 4,440 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.3509% | 2,667 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4887% | 3,924 |
| Return on assets (ROA) | 0.4887% | 3,887 |
| Pretax return on assets | 0.4975% | 3,995 |
| Return on Equity (ROE) | 37.4800% | 134 |
| Retained earnings to average equity (ytd only) | 37.4842% | 73 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.7764% | 718 |
| Assets per employee ($millions) | 6.5622% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 1,872 |
| Loan loss allowance to noncurrent loans | 1,492.0000% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 3,514 |
| Noncurrent loans to loans | 0.0895% | 3,102 |
| Net loans and leases to total assets | 29.9900% | 4,369 |
| Net loans and leases to deposits | 35.0488% | 4,350 |
| Net loans and leases to core deposits | 38.8821% | 4,298 |
| Total domestic deposits to total assets | 85.5500% | 2,705 |
| Equity capital to assets | 1.4020% | 4,649 |
| Core capital (leverage) ratio | 9.0752% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8101% | 758 |
| Memoranda: | ||
| Average total assets | $90,860,000 | 3,984 |
| Average earning assets | $85,373,500 | 3,955 |
| Average equity | $1,184,500 | 4,641 |
| Average total loans | $26,227,000 | 4,285 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9869% | 4,147 |
| Cost of funding earning assets | 0.6067% | 879 |
| Net interest margin | 2.3802% | 4,374 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.4437% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5675% | 3,951 |
| Return on assets (ROA) | 0.5675% | 3,914 |
| Pretax return on assets | 0.5795% | 4,065 |
| Return on Equity (ROE) | 15.2300% | 1,206 |
| Retained earnings to average equity (ytd only) | 15.2307% | 277 |
| Net charge-offs to loans | -0.1624% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.7442% | 664 |
| Assets per employee ($millions) | 6.4178% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,216 |
| Loan loss allowance to noncurrent loans | 244.6667% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 2,374 |
| Noncurrent loans to loans | 0.6114% | 1,219 |
| Net loans and leases to total assets | 26.9000% | 4,462 |
| Net loans and leases to deposits | 31.8590% | 4,433 |
| Net loans and leases to core deposits | 35.4819% | 4,384 |
| Total domestic deposits to total assets | 84.4200% | 3,121 |
| Equity capital to assets | 1.2031% | 4,674 |
| Core capital (leverage) ratio | 9.4485% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5422% | 578 |
| Memoranda: | ||
| Average total assets | $91,459,400 | 3,999 |
| Average earning assets | $85,706,200 | 3,973 |
| Average equity | $3,407,600 | 4,580 |
| Average total loans | $22,162,800 | 4,375 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8368% | 4,150 |
| Cost of funding earning assets | 0.4638% | 915 |
| Net interest margin | 2.3730% | 4,355 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 2.4079% | 2,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6009% | 3,830 |
| Return on assets (ROA) | 0.6009% | 3,787 |
| Pretax return on assets | 0.6227% | 3,948 |
| Return on Equity (ROE) | 13.8400% | 1,472 |
| Retained earnings to average equity (ytd only) | 13.8368% | 487 |
| Net charge-offs to loans | -0.2225% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.3780% | 811 |
| Assets per employee ($millions) | 6.4296% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 896 |
| Loan loss allowance to noncurrent loans | 189.6373% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 2,178 |
| Noncurrent loans to loans | 0.8912% | 881 |
| Net loans and leases to total assets | 23.6500% | 4,554 |
| Net loans and leases to deposits | 28.9148% | 4,513 |
| Net loans and leases to core deposits | 30.9997% | 4,496 |
| Total domestic deposits to total assets | 81.8000% | 3,870 |
| Equity capital to assets | 1.4853% | 4,680 |
| Core capital (leverage) ratio | 9.0476% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4593% | 525 |
| Memoranda: | ||
| Average total assets | $91,862,000 | 4,022 |
| Average earning assets | $86,246,750 | 3,991 |
| Average equity | $3,989,250 | 4,577 |
| Average total loans | $21,570,250 | 4,413 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7227% | 4,108 |
| Cost of funding earning assets | 0.3903% | 983 |
| Net interest margin | 2.3325% | 4,300 |
| Noninterest income to average assets | 0.6964% | 1,352 |
| Noninterest expense to average assets | 2.3876% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4974% | 3,897 |
| Return on assets (ROA) | 0.4974% | 3,852 |
| Pretax return on assets | 0.5190% | 3,962 |
| Return on Equity (ROE) | 9.4391% | 2,549 |
| Retained earnings to average equity (ytd only) | 9.4391% | 1,158 |
| Net charge-offs to loans | -0.3807% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1429% | 788 |
| Assets per employee ($millions) | 6.4031% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 974 |
| Loan loss allowance to noncurrent loans | 185.4271% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 1,908 |
| Noncurrent loans to loans | 0.9127% | 916 |
| Net loans and leases to total assets | 23.9112% | 4,597 |
| Net loans and leases to deposits | 28.6729% | 4,578 |
| Net loans and leases to core deposits | 30.2191% | 4,563 |
| Total domestic deposits to total assets | 83.3932% | 3,803 |
| Equity capital to assets | 1.6789% | 4,737 |
| Core capital (leverage) ratio | 8.6214% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4697% | 586 |
| Memoranda: | ||
| Average total assets | $92,477,667 | 4,059 |
| Average earning assets | $87,632,000 | 4,036 |
| Average equity | $4,873,333 | 4,533 |
| Average total loans | $21,541,667 | 4,470 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5942% | 4,127 |
| Cost of funding earning assets | 0.3321% | 1,352 |
| Net interest margin | 2.2620% | 4,283 |
| Noninterest income to average assets | 0.8733% | 878 |
| Noninterest expense to average assets | 2.2408% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7796% | 2,727 |
| Return on assets (ROA) | 0.7796% | 2,723 |
| Pretax return on assets | 0.7796% | 3,174 |
| Return on Equity (ROE) | 11.1628% | 1,563 |
| Retained earnings to average equity (ytd only) | 11.1628% | 755 |
| Net charge-offs to loans | -0.7660% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1890% | 1,720 |
| Assets per employee ($millions) | 6.7224% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 994 |
| Loan loss allowance to noncurrent loans | 180.8824% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 2,044 |
| Noncurrent loans to loans | 0.9585% | 946 |
| Net loans and leases to total assets | 22.2220% | 4,643 |
| Net loans and leases to deposits | 26.3238% | 4,632 |
| Net loans and leases to core deposits | 27.6549% | 4,619 |
| Total domestic deposits to total assets | 84.4178% | 3,668 |
| Equity capital to assets | 5.5040% | 4,663 |
| Core capital (leverage) ratio | 8.2501% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9257% | 497 |
| Memoranda: | ||
| Average total assets | $93,894,500 | 4,062 |
| Average earning assets | $89,123,500 | 4,029 |
| Average equity | $6,557,500 | 4,406 |
| Average total loans | $21,410,500 | 4,490 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4935% | 4,481 |
| Cost of funding earning assets | 0.3327% | 2,093 |
| Net interest margin | 2.1608% | 4,507 |
| Noninterest income to average assets | 0.9021% | 1,191 |
| Noninterest expense to average assets | 2.3935% | 2,510 |
| Loan and lease loss provision to assets | 0.0010% | 3,047 |
| Net operating income to assets | 0.5474% | 3,987 |
| Return on assets (ROA) | 0.5474% | 4,035 |
| Pretax return on assets | 0.5672% | 4,159 |
| Return on Equity (ROE) | 6.0147% | 3,770 |
| Retained earnings to average equity (ytd only) | 3.1396% | 3,572 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8127% | 760 |
| Assets per employee ($millions) | 6.6911% | 2,163 |
| Cash dividends to net income (ytd only)* | 47.8011% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 1,472 |
| Loan loss allowance to noncurrent loans | 95.3488% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 1,754 |
| Noncurrent loans to loans | 1.5972% | 549 |
| Net loans and leases to total assets | 22.6421% | 4,679 |
| Net loans and leases to deposits | 27.8262% | 4,661 |
| Net loans and leases to core deposits | 29.2851% | 4,657 |
| Total domestic deposits to total assets | 81.3696% | 4,056 |
| Equity capital to assets | 8.4708% | 4,067 |
| Core capital (leverage) ratio | 8.0823% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5171% | 523 |
| Memoranda: | ||
| Average total assets | $95,550,200 | 4,036 |
| Average earning assets | $91,078,600 | 4,001 |
| Average equity | $8,695,400 | 4,268 |
| Average total loans | $22,915,200 | 4,514 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4809% | 4,580 |
| Cost of funding earning assets | 0.3303% | 2,294 |
| Net interest margin | 2.1506% | 4,596 |
| Noninterest income to average assets | 0.7415% | 1,691 |
| Noninterest expense to average assets | 2.3273% | 2,662 |
| Loan and lease loss provision to assets | 0.0010% | 2,946 |
| Net operating income to assets | 0.4513% | 4,294 |
| Return on assets (ROA) | 0.4513% | 4,328 |
| Pretax return on assets | 0.4652% | 4,412 |
| Return on Equity (ROE) | 4.8767% | 4,145 |
| Retained earnings to average equity (ytd only) | 3.3762% | 3,778 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3002% | 560 |
| Assets per employee ($millions) | 6.4507% | 2,298 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,507 |
| Loan loss allowance to noncurrent loans | 112.7148% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 2,270 |
| Noncurrent loans to loans | 1.3622% | 782 |
| Net loans and leases to total assets | 21.7394% | 4,774 |
| Net loans and leases to deposits | 27.4852% | 4,749 |
| Net loans and leases to core deposits | 29.3232% | 4,737 |
| Total domestic deposits to total assets | 79.0947% | 4,337 |
| Equity capital to assets | 9.1846% | 3,664 |
| Core capital (leverage) ratio | 7.8668% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5135% | 570 |
| Memoranda: | ||
| Average total assets | $96,019,000 | 4,082 |
| Average earning assets | $91,629,750 | 4,046 |
| Average equity | $8,885,500 | 4,317 |
| Average total loans | $23,259,500 | 4,565 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4717% | 4,641 |
| Cost of funding earning assets | 0.3303% | 2,484 |
| Net interest margin | 2.1415% | 4,634 |
| Noninterest income to average assets | 0.8875% | 1,304 |
| Noninterest expense to average assets | 2.2762% | 2,840 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6411% | 3,892 |
| Return on assets (ROA) | 0.6411% | 3,953 |
| Pretax return on assets | 0.6557% | 4,150 |
| Return on Equity (ROE) | 6.9105% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.7850% | 2,895 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6353% | 943 |
| Assets per employee ($millions) | 6.6213% | 2,080 |
| Cash dividends to net income (ytd only)* | 16.2866% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 2,213 |
| Loan loss allowance to noncurrent loans | 120.6642% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 2,565 |
| Noncurrent loans to loans | 1.1152% | 1,079 |
| Net loans and leases to total assets | 24.1374% | 4,781 |
| Net loans and leases to deposits | 29.6296% | 4,760 |
| Net loans and leases to core deposits | 31.9474% | 4,748 |
| Total domestic deposits to total assets | 81.4638% | 4,018 |
| Equity capital to assets | 8.9399% | 3,844 |
| Core capital (leverage) ratio | 8.0571% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1635% | 681 |
| Memoranda: | ||
| Average total assets | $95,772,000 | 4,111 |
| Average earning assets | $91,433,333 | 4,070 |
| Average equity | $8,885,000 | 4,334 |
| Average total loans | $23,891,667 | 4,592 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4792% | 4,657 |
| Cost of funding earning assets | 0.3377% | 2,644 |
| Net interest margin | 2.1416% | 4,658 |
| Noninterest income to average assets | 0.8553% | 1,448 |
| Noninterest expense to average assets | 2.3192% | 2,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5660% | 4,029 |
| Return on assets (ROA) | 0.5660% | 4,080 |
| Pretax return on assets | 0.5872% | 4,209 |
| Return on Equity (ROE) | 5.9856% | 3,863 |
| Retained earnings to average equity (ytd only) | 5.9856% | 2,907 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7950% | 834 |
| Assets per employee ($millions) | 6.0149% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 2,213 |
| Loan loss allowance to noncurrent loans | 108.2781% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 2,574 |
| Noncurrent loans to loans | 1.2440% | 1,051 |
| Net loans and leases to total assets | 24.8862% | 4,799 |
| Net loans and leases to deposits | 30.6360% | 4,785 |
| Net loans and leases to core deposits | 33.1227% | 4,772 |
| Total domestic deposits to total assets | 81.2319% | 4,025 |
| Equity capital to assets | 8.8946% | 3,790 |
| Core capital (leverage) ratio | 8.0517% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2692% | 648 |
| Memoranda: | ||
| Average total assets | $93,998,500 | 4,142 |
| Average earning assets | $90,027,500 | 4,099 |
| Average equity | $8,888,000 | 4,348 |
| Average total loans | $23,687,500 | 4,625 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0108% | 4,621 |
| Cost of funding earning assets | 0.5597% | 2,561 |
| Net interest margin | 2.4512% | 4,629 |
| Noninterest income to average assets | 0.5055% | 2,609 |
| Noninterest expense to average assets | 2.5462% | 2,705 |
| Loan and lease loss provision to assets | 0.0308% | 4,013 |
| Net operating income to assets | 0.2406% | 4,517 |
| Return on assets (ROA) | 0.3824% | 4,361 |
| Pretax return on assets | 0.3945% | 4,432 |
| Return on Equity (ROE) | 3.8921% | 4,185 |
| Retained earnings to average equity (ytd only) | 1.0960% | 4,193 |
| Net charge-offs to loans | -0.0042% | 4,092 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1206% | 374 |
| Assets per employee ($millions) | 5.3976% | 2,958 |
| Cash dividends to net income (ytd only)* | 71.8391% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 1,908 |
| Loan loss allowance to noncurrent loans | 113.5417% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 2,743 |
| Noncurrent loans to loans | 1.2469% | 1,102 |
| Net loans and leases to total assets | 24.8161% | 4,840 |
| Net loans and leases to deposits | 31.1927% | 4,822 |
| Net loans and leases to core deposits | 33.9066% | 4,805 |
| Total domestic deposits to total assets | 79.5573% | 4,126 |
| Equity capital to assets | 10.0437% | 3,092 |
| Core capital (leverage) ratio | 8.0976% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3804% | 550 |
| Memoranda: | ||
| Average total assets | $90,999,800 | 4,110 |
| Average earning assets | $86,122,400 | 4,073 |
| Average equity | $8,941,200 | 4,325 |
| Average total loans | $23,732,600 | 4,648 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0951% | 4,665 |
| Cost of funding earning assets | 0.6112% | 2,542 |
| Net interest margin | 2.4839% | 4,664 |
| Noninterest income to average assets | 0.4992% | 2,620 |
| Noninterest expense to average assets | 2.4285% | 3,057 |
| Loan and lease loss provision to assets | 0.0407% | 3,839 |
| Net operating income to assets | 0.3666% | 4,329 |
| Return on assets (ROA) | 0.5579% | 3,977 |
| Pretax return on assets | 0.5697% | 4,156 |
| Return on Equity (ROE) | 5.7104% | 3,659 |
| Retained earnings to average equity (ytd only) | 2.7049% | 3,651 |
| Net charge-offs to loans | -0.0056% | 4,076 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3898% | 539 |
| Assets per employee ($millions) | 5.6873% | 2,547 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 1,803 |
| Loan loss allowance to noncurrent loans | 100.6154% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 2,718 |
| Noncurrent loans to loans | 1.3749% | 1,058 |
| Net loans and leases to total assets | 25.6173% | 4,884 |
| Net loans and leases to deposits | 32.8130% | 4,869 |
| Net loans and leases to core deposits | 36.6116% | 4,838 |
| Total domestic deposits to total assets | 78.0707% | 4,190 |
| Equity capital to assets | 10.3410% | 2,927 |
| Core capital (leverage) ratio | 8.1947% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6963% | 536 |
| Memoranda: | ||
| Average total assets | $90,810,000 | 4,119 |
| Average earning assets | $85,724,000 | 4,086 |
| Average equity | $8,872,500 | 4,344 |
| Average total loans | $23,891,250 | 4,670 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2040% | 4,716 |
| Cost of funding earning assets | 0.6819% | 2,490 |
| Net interest margin | 2.5221% | 4,722 |
| Noninterest income to average assets | 0.5289% | 2,447 |
| Noninterest expense to average assets | 2.4331% | 3,162 |
| Loan and lease loss provision to assets | 0.0639% | 3,496 |
| Net operating income to assets | 0.4048% | 4,224 |
| Return on assets (ROA) | 0.6920% | 3,518 |
| Pretax return on assets | 0.7053% | 3,860 |
| Return on Equity (ROE) | 7.2239% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.2239% | 1,560 |
| Net charge-offs to loans | -0.0083% | 4,153 |
| Credit loss provision to net charge-offs | -2,900.0000% | 3,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6364% | 662 |
| Assets per employee ($millions) | 5.8337% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 1,831 |
| Loan loss allowance to noncurrent loans | 119.7080% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 3,141 |
| Noncurrent loans to loans | 1.1179% | 1,409 |
| Net loans and leases to total assets | 25.9088% | 4,911 |
| Net loans and leases to deposits | 32.9801% | 4,905 |
| Net loans and leases to core deposits | 36.6459% | 4,871 |
| Total domestic deposits to total assets | 78.5588% | 4,103 |
| Equity capital to assets | 10.1351% | 3,080 |
| Core capital (leverage) ratio | 8.0927% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2018% | 561 |
| Memoranda: | ||
| Average total assets | $90,747,667 | 4,118 |
| Average earning assets | $85,643,000 | 4,092 |
| Average equity | $8,693,333 | 4,373 |
| Average total loans | $23,975,667 | 4,689 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 4,766 |
| Cost of funding earning assets | 0.7652% | 2,582 |
| Net interest margin | 2.5978% | 4,757 |
| Noninterest income to average assets | 0.5187% | 2,451 |
| Noninterest expense to average assets | 2.5399% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4159% | 4,098 |
| Return on assets (ROA) | 0.4159% | 4,138 |
| Pretax return on assets | 0.4382% | 4,224 |
| Return on Equity (ROE) | 4.4765% | 3,828 |
| Retained earnings to average equity (ytd only) | 4.4765% | 2,503 |
| Net charge-offs to loans | -0.0169% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2853% | 751 |
| Assets per employee ($millions) | 5.6586% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,311 |
| Loan loss allowance to noncurrent loans | 107.5540% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 3,219 |
| Noncurrent loans to loans | 1.1759% | 1,403 |
| Net loans and leases to total assets | 25.7814% | 4,963 |
| Net loans and leases to deposits | 31.7981% | 4,955 |
| Net loans and leases to core deposits | 40.6188% | 4,869 |
| Total domestic deposits to total assets | 81.0787% | 3,645 |
| Equity capital to assets | 9.4579% | 4,259 |
| Core capital (leverage) ratio | 8.2705% | 4,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8171% | 577 |
| Memoranda: | ||
| Average total assets | $89,452,000 | 4,126 |
| Average earning assets | $84,687,000 | 4,097 |
| Average equity | $8,310,000 | 4,454 |
| Average total loans | $23,708,000 | 4,725 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5476% | 4,822 |
| Cost of funding earning assets | 0.8306% | 2,526 |
| Net interest margin | 2.7170% | 4,828 |
| Noninterest income to average assets | 0.5374% | 2,547 |
| Noninterest expense to average assets | 2.5105% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6050% | 4,142 |
| Return on assets (ROA) | 0.6623% | 4,055 |
| Pretax return on assets | 0.6554% | 4,314 |
| Return on Equity (ROE) | 7.8813% | 3,212 |
| Retained earnings to average equity (ytd only) | 1.0636% | 4,364 |
| Net charge-offs to loans | -0.0257% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0590% | 944 |
| Assets per employee ($millions) | 5.8911% | 1,720 |
| Cash dividends to net income (ytd only)* | 86.5052% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,155 |
| Loan loss allowance to noncurrent loans | 334.8315% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 4,121 |
| Noncurrent loans to loans | 0.3743% | 3,101 |
| Net loans and leases to total assets | 26.5679% | 5,014 |
| Net loans and leases to deposits | 32.7101% | 5,014 |
| Net loans and leases to core deposits | 43.8331% | 4,877 |
| Total domestic deposits to total assets | 81.2224% | 3,719 |
| Equity capital to assets | 9.1178% | 4,629 |
| Core capital (leverage) ratio | 8.5466% | 4,819 |
| Tier 1 risk-based capital ratio | 20.7468% | 1,212 |
| Total risk-based capital ratio | 21.5857% | 1,245 |
| Memoranda: | ||
| Average total assets | $87,273,200 | 4,182 |
| Average earning assets | $82,590,200 | 4,145 |
| Average equity | $7,333,800 | 4,599 |
| Average total loans | $23,361,200 | 4,797 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6052% | 4,876 |
| Cost of funding earning assets | 0.8685% | 2,372 |
| Net interest margin | 2.7367% | 4,910 |
| Noninterest income to average assets | 0.5379% | 2,521 |
| Noninterest expense to average assets | 2.4796% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6621% | 4,128 |
| Return on assets (ROA) | 0.7387% | 3,950 |
| Pretax return on assets | 0.7234% | 4,291 |
| Return on Equity (ROE) | 8.9843% | 2,894 |
| Retained earnings to average equity (ytd only) | 2.0877% | 4,242 |
| Net charge-offs to loans | -0.0287% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5784% | 1,048 |
| Assets per employee ($millions) | 6.0676% | 1,560 |
| Cash dividends to net income (ytd only)* | 76.7634% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,345 |
| Loan loss allowance to noncurrent loans | 742.5000% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,484 |
| Noncurrent loans to loans | 0.1654% | 3,948 |
| Net loans and leases to total assets | 28.1285% | 5,086 |
| Net loans and leases to deposits | 34.3719% | 5,086 |
| Net loans and leases to core deposits | 43.1955% | 4,978 |
| Total domestic deposits to total assets | 81.8355% | 3,517 |
| Equity capital to assets | 9.3424% | 4,567 |
| Core capital (leverage) ratio | 8.3168% | 5,024 |
| Tier 1 risk-based capital ratio | 21.1298% | 1,177 |
| Total risk-based capital ratio | 21.9778% | 1,202 |
| Memoranda: | ||
| Average total assets | $87,000,000 | 4,241 |
| Average earning assets | $82,287,250 | 4,203 |
| Average equity | $7,153,000 | 4,678 |
| Average total loans | $23,257,750 | 4,872 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 4,939 |
| Cost of funding earning assets | 0.8905% | 2,196 |
| Net interest margin | 2.6980% | 5,005 |
| Noninterest income to average assets | 0.5383% | 2,451 |
| Noninterest expense to average assets | 2.3744% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7573% | 3,804 |
| Return on assets (ROA) | 0.7641% | 3,842 |
| Pretax return on assets | 0.7276% | 4,263 |
| Return on Equity (ROE) | 9.7214% | 2,524 |
| Retained earnings to average equity (ytd only) | 2.1764% | 4,061 |
| Net charge-offs to loans | -0.0261% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9027% | 1,406 |
| Assets per employee ($millions) | 6.9548% | 1,018 |
| Cash dividends to net income (ytd only)* | 77.6119% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,405 |
| Loan loss allowance to noncurrent loans | 1,837.5000% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,563 |
| Noncurrent loans to loans | 0.0665% | 4,383 |
| Net loans and leases to total assets | 26.2739% | 5,151 |
| Net loans and leases to deposits | 31.2184% | 5,159 |
| Net loans and leases to core deposits | 41.5842% | 5,051 |
| Total domestic deposits to total assets | 84.1616% | 2,792 |
| Equity capital to assets | 8.6437% | 4,986 |
| Core capital (leverage) ratio | 8.3563% | 5,041 |
| Tier 1 risk-based capital ratio | 20.5515% | 1,244 |
| Total risk-based capital ratio | 21.3753% | 1,298 |
| Memoranda: | ||
| Average total assets | $87,684,670 | 4,255 |
| Average earning assets | $83,098,000 | 4,218 |
| Average equity | $6,892,000 | 4,741 |
| Average total loans | $22,946,670 | 4,919 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,901 |
| Cost of funding earning assets | 0.8853% | 2,070 |
| Net interest margin | 2.7690% | 5,015 |
| Noninterest income to average assets | 0.5097% | 2,495 |
| Noninterest expense to average assets | 2.4374% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6487% | 4,097 |
| Return on assets (ROA) | 0.6487% | 4,129 |
| Pretax return on assets | 0.6812% | 4,346 |
| Return on Equity (ROE) | 8.7085% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.7085% | 1,418 |
| Net charge-offs to loans | -0.0179% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4146% | 1,336 |
| Assets per employee ($millions) | 6.6836% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 2,049 |
| Loan loss allowance to noncurrent loans | 523.2143% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,371 |
| Noncurrent loans to loans | 0.2502% | 3,670 |
| Net loans and leases to total assets | 25.4261% | 5,216 |
| Net loans and leases to deposits | 29.3281% | 5,232 |
| Net loans and leases to core deposits | 39.9053% | 5,110 |
| Total domestic deposits to total assets | 86.6954% | 1,961 |
| Equity capital to assets | 7.8930% | 5,207 |
| Core capital (leverage) ratio | 8.5029% | 5,011 |
| Tier 1 risk-based capital ratio | 22.0729% | 1,047 |
| Total risk-based capital ratio | 22.9448% | 1,067 |
| Memoranda: | ||
| Average total assets | $86,320,500 | 4,322 |
| Average earning assets | $81,328,500 | 4,289 |
| Average equity | $6,430,500 | 4,825 |
| Average total loans | $22,395,500 | 4,984 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4750% | 4,946 |
| Cost of funding earning assets | 0.6437% | 2,436 |
| Net interest margin | 2.8313% | 4,992 |
| Noninterest income to average assets | 0.5323% | 2,645 |
| Noninterest expense to average assets | 2.3935% | 3,895 |
| Loan and lease loss provision to assets | 0.0024% | 4,056 |
| Net operating income to assets | 0.7258% | 4,054 |
| Return on assets (ROA) | 0.7258% | 4,060 |
| Pretax return on assets | 0.7943% | 4,186 |
| Return on Equity (ROE) | 9.9418% | 2,540 |
| Retained earnings to average equity (ytd only) | 0.2425% | 4,917 |
| Net charge-offs to loans | 0.0650% | 2,195 |
| Credit loss provision to net charge-offs | 13.3333% | 3,419 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,209 |
| Efficiency ratio | 74.4358% | 1,566 |
| Assets per employee ($millions) | 6.5965% | 1,176 |
| Cash dividends to net income (ytd only)* | 97.5610% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 2,025 |
| Loan loss allowance to noncurrent loans | 1,123.0769% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 4,572 |
| Noncurrent loans to loans | 0.1160% | 4,203 |
| Net loans and leases to total assets | 25.7877% | 5,258 |
| Net loans and leases to deposits | 30.3935% | 5,262 |
| Net loans and leases to core deposits | 42.7869% | 5,107 |
| Total domestic deposits to total assets | 84.8462% | 2,709 |
| Equity capital to assets | 7.0003% | 5,333 |
| Core capital (leverage) ratio | 8.6985% | 4,882 |
| Tier 1 risk-based capital ratio | 22.6359% | 952 |
| Total risk-based capital ratio | 23.5478% | 965 |
| Memoranda: | ||
| Average total assets | $84,731,000 | 4,345 |
| Average earning assets | $79,540,600 | 4,322 |
| Average equity | $6,186,000 | 4,866 |
| Average total loans | $23,090,400 | 4,995 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 4,962 |
| Cost of funding earning assets | 0.6114% | 2,394 |
| Net interest margin | 2.8551% | 5,031 |
| Noninterest income to average assets | 0.5335% | 2,656 |
| Noninterest expense to average assets | 2.4243% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7513% | 4,071 |
| Return on assets (ROA) | 0.7513% | 4,080 |
| Pretax return on assets | 0.7844% | 4,335 |
| Return on Equity (ROE) | 10.1841% | 2,541 |
| Retained earnings to average equity (ytd only) | 4.8354% | 3,328 |
| Net charge-offs to loans | 0.0917% | 1,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 31.0666% | 1,575 |
| Efficiency ratio | 75.0615% | 1,456 |
| Assets per employee ($millions) | 6.5711% | 1,153 |
| Cash dividends to net income (ytd only)* | 52.5219% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 2,037 |
| Loan loss allowance to noncurrent loans | 1,070.3704% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,703 |
| Noncurrent loans to loans | 0.1228% | 4,341 |
| Net loans and leases to total assets | 25.4050% | 5,331 |
| Net loans and leases to deposits | 29.3064% | 5,346 |
| Net loans and leases to core deposits | 39.3687% | 5,248 |
| Total domestic deposits to total assets | 86.6876% | 1,874 |
| Equity capital to assets | 6.8634% | 5,402 |
| Core capital (leverage) ratio | 8.8364% | 4,858 |
| Tier 1 risk-based capital ratio | 21.8849% | 1,067 |
| Total risk-based capital ratio | 22.7334% | 1,100 |
| Memoranda: | ||
| Average total assets | $84,475,250 | 4,399 |
| Average earning assets | $79,154,750 | 4,376 |
| Average equity | $6,231,750 | 4,915 |
| Average total loans | $23,261,500 | 5,054 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 4,991 |
| Cost of funding earning assets | 0.5892% | 2,299 |
| Net interest margin | 2.8471% | 5,076 |
| Noninterest income to average assets | 0.5561% | 2,545 |
| Noninterest expense to average assets | 2.3931% | 3,917 |
| Loan and lease loss provision to assets | 0.0048% | 3,731 |
| Net operating income to assets | 0.7914% | 3,884 |
| Return on assets (ROA) | 0.7914% | 3,885 |
| Pretax return on assets | 0.8223% | 4,188 |
| Return on Equity (ROE) | 10.4805% | 2,339 |
| Retained earnings to average equity (ytd only) | 2.6123% | 4,210 |
| Net charge-offs to loans | 0.0844% | 1,488 |
| Credit loss provision to net charge-offs | 20.0000% | 2,687 |
| Earnings coverage of net charge-offs (x) | 34.8000% | 1,392 |
| Efficiency ratio | 73.9483% | 1,712 |
| Assets per employee ($millions) | 6.5131% | 1,174 |
| Cash dividends to net income (ytd only)* | 75.0751% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,276 |
| Loan loss allowance to noncurrent loans | 618.7500% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 4,360 |
| Noncurrent loans to loans | 0.2067% | 3,984 |
| Net loans and leases to total assets | 27.0816% | 5,370 |
| Net loans and leases to deposits | 31.4895% | 5,379 |
| Net loans and leases to core deposits | 41.3839% | 5,256 |
| Total domestic deposits to total assets | 86.0021% | 2,275 |
| Equity capital to assets | 6.9340% | 5,455 |
| Core capital (leverage) ratio | 8.6348% | 5,011 |
| Tier 1 risk-based capital ratio | 20.9955% | 1,175 |
| Total risk-based capital ratio | 21.8490% | 1,202 |
| Memoranda: | ||
| Average total assets | $84,159,000 | 4,449 |
| Average earning assets | $78,747,330 | 4,427 |
| Average equity | $6,354,670 | 4,950 |
| Average total loans | $23,685,000 | 5,098 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3775% | 5,046 |
| Cost of funding earning assets | 0.5698% | 2,254 |
| Net interest margin | 2.8077% | 5,151 |
| Noninterest income to average assets | 0.5816% | 2,354 |
| Noninterest expense to average assets | 2.4504% | 3,811 |
| Loan and lease loss provision to assets | 0.0095% | 3,395 |
| Net operating income to assets | 0.7008% | 4,094 |
| Return on assets (ROA) | 0.7008% | 4,099 |
| Pretax return on assets | 0.7294% | 4,360 |
| Return on Equity (ROE) | 8.9138% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.9138% | 1,484 |
| Net charge-offs to loans | -0.0335% | 4,787 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5321% | 1,515 |
| Assets per employee ($millions) | 6.0447% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 2,182 |
| Loan loss allowance to noncurrent loans | 412.0000% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 4,385 |
| Noncurrent loans to loans | 0.3187% | 3,623 |
| Net loans and leases to total assets | 27.4396% | 5,420 |
| Net loans and leases to deposits | 31.8301% | 5,421 |
| Net loans and leases to core deposits | 41.0584% | 5,284 |
| Total domestic deposits to total assets | 86.2064% | 2,446 |
| Equity capital to assets | 7.3500% | 5,464 |
| Core capital (leverage) ratio | 8.9174% | 4,779 |
| Tier 1 risk-based capital ratio | 21.2376% | 1,169 |
| Total risk-based capital ratio | 22.1287% | 1,193 |
| Memoranda: | ||
| Average total assets | $83,903,500 | 4,501 |
| Average earning assets | $77,927,500 | 4,491 |
| Average equity | $6,596,500 | 4,959 |
| Average total loans | $23,914,000 | 5,146 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2661% | 5,123 |
| Cost of funding earning assets | 0.5110% | 2,242 |
| Net interest margin | 2.7550% | 5,221 |
| Noninterest income to average assets | 0.5415% | 2,766 |
| Noninterest expense to average assets | 2.4891% | 3,820 |
| Loan and lease loss provision to assets | 0.0295% | 3,684 |
| Net operating income to assets | 0.5140% | 4,342 |
| Return on assets (ROA) | 0.5194% | 4,362 |
| Pretax return on assets | 0.5845% | 4,774 |
| Return on Equity (ROE) | 5.9217% | 3,795 |
| Retained earnings to average equity (ytd only) | -0.3780% | 5,101 |
| Net charge-offs to loans | 0.1432% | 1,642 |
| Credit loss provision to net charge-offs | 72.7273% | 3,050 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,277 |
| Efficiency ratio | 79.5400% | 1,154 |
| Assets per employee ($millions) | 5.9415% | 1,557 |
| Cash dividends to net income (ytd only)* | 106.3830% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,439 |
| Loan loss allowance to noncurrent loans | 953.1250% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 4,674 |
| Noncurrent loans to loans | 0.1317% | 4,403 |
| Net loans and leases to total assets | 28.8443% | 5,448 |
| Net loans and leases to deposits | 35.4491% | 5,438 |
| Net loans and leases to core deposits | 45.7803% | 5,243 |
| Total domestic deposits to total assets | 81.3683% | 4,032 |
| Equity capital to assets | 8.3829% | 5,203 |
| Core capital (leverage) ratio | 8.7363% | 4,919 |
| Tier 1 risk-based capital ratio | 20.4919% | 1,228 |
| Total risk-based capital ratio | 21.3570% | 1,254 |
| Memoranda: | ||
| Average total assets | $81,434,800 | 4,560 |
| Average earning assets | $75,534,200 | 4,550 |
| Average equity | $7,143,200 | 4,919 |
| Average total loans | $23,037,200 | 5,221 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2316% | 5,195 |
| Cost of funding earning assets | 0.4947% | 2,314 |
| Net interest margin | 2.7369% | 5,291 |
| Noninterest income to average assets | 0.5580% | 2,678 |
| Noninterest expense to average assets | 2.5004% | 3,734 |
| Loan and lease loss provision to assets | 0.0016% | 4,069 |
| Net operating income to assets | 0.5877% | 4,433 |
| Return on assets (ROA) | 0.5942% | 4,450 |
| Pretax return on assets | 0.5942% | 4,859 |
| Return on Equity (ROE) | 6.6983% | 3,811 |
| Retained earnings to average equity (ytd only) | 3.9151% | 3,591 |
| Net charge-offs to loans | 0.2054% | 1,041 |
| Credit loss provision to net charge-offs | 2.8571% | 3,259 |
| Earnings coverage of net charge-offs (x) | 10.2276% | 2,619 |
| Efficiency ratio | 80.0746% | 1,096 |
| Assets per employee ($millions) | 5.4127% | 2,006 |
| Cash dividends to net income (ytd only)* | 41.5524% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 4,963 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 28.4317% | 5,530 |
| Net loans and leases to deposits | 34.7603% | 5,516 |
| Net loans and leases to core deposits | 39.8412% | 5,462 |
| Total domestic deposits to total assets | 81.7935% | 3,833 |
| Equity capital to assets | 9.3767% | 4,568 |
| Core capital (leverage) ratio | 9.2883% | 4,422 |
| Tier 1 risk-based capital ratio | 21.6553% | 1,090 |
| Total risk-based capital ratio | 22.4655% | 1,146 |
| Memoranda: | ||
| Average total assets | $80,998,250 | 4,613 |
| Average earning assets | $74,925,250 | 4,609 |
| Average equity | $7,185,750 | 4,964 |
| Average total loans | $22,722,000 | 5,287 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2180% | 5,216 |
| Cost of funding earning assets | 0.4885% | 2,264 |
| Net interest margin | 2.7295% | 5,334 |
| Noninterest income to average assets | 0.5461% | 2,739 |
| Noninterest expense to average assets | 2.4909% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5684% | 4,435 |
| Return on assets (ROA) | 0.5782% | 4,453 |
| Pretax return on assets | 0.5782% | 4,846 |
| Return on Equity (ROE) | 6.6446% | 3,753 |
| Retained earnings to average equity (ytd only) | 2.3852% | 4,254 |
| Net charge-offs to loans | 0.3021% | 672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.7647% | 2,669 |
| Efficiency ratio | 80.6139% | 1,144 |
| Assets per employee ($millions) | 4.8724% | 2,550 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,794 |
| Loan loss allowance to noncurrent loans | 756.7568% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 5,055 |
| Noncurrent loans to loans | 0.1632% | 4,465 |
| Net loans and leases to total assets | 27.0382% | 5,587 |
| Net loans and leases to deposits | 33.3135% | 5,584 |
| Net loans and leases to core deposits | 38.1137% | 5,541 |
| Total domestic deposits to total assets | 81.1628% | 4,141 |
| Equity capital to assets | 9.0063% | 4,896 |
| Core capital (leverage) ratio | 9.0572% | 4,657 |
| Tier 1 risk-based capital ratio | 21.3600% | 1,138 |
| Total risk-based capital ratio | 22.1765% | 1,170 |
| Memoranda: | ||
| Average total assets | $80,934,000 | 4,647 |
| Average earning assets | $74,519,330 | 4,645 |
| Average equity | $7,043,330 | 5,015 |
| Average total loans | $22,508,330 | 5,337 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1621% | 5,294 |
| Cost of funding earning assets | 0.4885% | 2,176 |
| Net interest margin | 2.6736% | 5,415 |
| Noninterest income to average assets | 0.5351% | 2,738 |
| Noninterest expense to average assets | 2.6355% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3901% | 4,967 |
| Return on assets (ROA) | 0.3901% | 4,997 |
| Pretax return on assets | 0.3901% | 5,174 |
| Return on Equity (ROE) | 4.5647% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.5647% | 3,143 |
| Net charge-offs to loans | -0.0357% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2810% | 789 |
| Assets per employee ($millions) | 5.1228% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,355 |
| Loan loss allowance to noncurrent loans | 810.2564% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 5,113 |
| Noncurrent loans to loans | 0.1649% | 4,521 |
| Net loans and leases to total assets | 28.4759% | 5,620 |
| Net loans and leases to deposits | 36.8145% | 5,556 |
| Net loans and leases to core deposits | 40.4226% | 5,509 |
| Total domestic deposits to total assets | 77.3498% | 5,062 |
| Equity capital to assets | 8.4854% | 5,252 |
| Core capital (leverage) ratio | 9.2483% | 4,416 |
| Tier 1 risk-based capital ratio | 20.8747% | 1,234 |
| Total risk-based capital ratio | 21.7734% | 1,267 |
| Memoranda: | ||
| Average total assets | $79,985,500 | 4,711 |
| Average earning assets | $74,506,500 | 4,690 |
| Average equity | $6,835,000 | 5,095 |
| Average total loans | $22,424,500 | 5,395 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2247% | 5,263 |
| Cost of funding earning assets | 0.5051% | 2,049 |
| Net interest margin | 2.7196% | 5,396 |
| Noninterest income to average assets | 1.1320% | 892 |
| Noninterest expense to average assets | 2.6250% | 3,604 |
| Loan and lease loss provision to assets | 0.0013% | 4,317 |
| Net operating income to assets | 1.0345% | 2,211 |
| Return on assets (ROA) | 1.0345% | 2,308 |
| Pretax return on assets | 1.0384% | 3,335 |
| Return on Equity (ROE) | 10.4815% | 1,769 |
| Retained earnings to average equity (ytd only) | 6.4758% | 1,469 |
| Net charge-offs to loans | -0.0600% | 5,444 |
| Credit loss provision to net charge-offs | -8.3333% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8738% | 2,767 |
| Assets per employee ($millions) | 4.5886% | 2,983 |
| Cash dividends to net income (ytd only)* | 38.2166% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,750 |
| Loan loss allowance to noncurrent loans | 805.1282% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 4,960 |
| Noncurrent loans to loans | 0.1840% | 4,502 |
| Net loans and leases to total assets | 26.7655% | 5,711 |
| Net loans and leases to deposits | 35.3678% | 5,654 |
| Net loans and leases to core deposits | 39.1168% | 5,616 |
| Total domestic deposits to total assets | 75.6778% | 5,275 |
| Equity capital to assets | 8.6082% | 5,185 |
| Core capital (leverage) ratio | 9.2945% | 4,354 |
| Tier 1 risk-based capital ratio | 22.3026% | 1,040 |
| Total risk-based capital ratio | 23.2692% | 1,049 |
| Memoranda: | ||
| Average total assets | $75,884,800 | 4,818 |
| Average earning assets | $70,673,000 | 4,788 |
| Average equity | $7,489,400 | 5,009 |
| Average total loans | $19,995,600 | 5,519 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 5,309 |
| Cost of funding earning assets | 0.5149% | 1,978 |
| Net interest margin | 2.7207% | 5,466 |
| Noninterest income to average assets | 1.3129% | 675 |
| Noninterest expense to average assets | 2.6488% | 3,502 |
| Loan and lease loss provision to assets | 0.0035% | 4,149 |
| Net operating income to assets | 1.1890% | 1,672 |
| Return on assets (ROA) | 1.1890% | 1,773 |
| Pretax return on assets | 1.1943% | 2,860 |
| Return on Equity (ROE) | 11.6619% | 1,427 |
| Retained earnings to average equity (ytd only) | 8.1911% | 1,095 |
| Net charge-offs to loans | -0.0609% | 5,426 |
| Credit loss provision to net charge-offs | -22.2222% | 4,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1233% | 3,203 |
| Assets per employee ($millions) | 5.1535% | 2,185 |
| Cash dividends to net income (ytd only)* | 29.7618% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,755 |
| Loan loss allowance to noncurrent loans | 10,400.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 5,264 |
| Noncurrent loans to loans | 0.0145% | 5,342 |
| Net loans and leases to total assets | 26.4443% | 5,787 |
| Net loans and leases to deposits | 34.6469% | 5,748 |
| Net loans and leases to core deposits | 37.1349% | 5,735 |
| Total domestic deposits to total assets | 76.3253% | 5,192 |
| Equity capital to assets | 10.5974% | 3,458 |
| Core capital (leverage) ratio | 9.4000% | 4,326 |
| Tier 1 risk-based capital ratio | 22.5751% | 1,058 |
| Total risk-based capital ratio | 23.5494% | 1,076 |
| Memoranda: | ||
| Average total assets | $75,354,250 | 4,864 |
| Average earning assets | $70,175,250 | 4,844 |
| Average equity | $7,683,000 | 5,032 |
| Average total loans | $19,696,250 | 5,583 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2406% | 5,377 |
| Cost of funding earning assets | 0.5243% | 1,911 |
| Net interest margin | 2.7163% | 5,551 |
| Noninterest income to average assets | 1.6358% | 465 |
| Noninterest expense to average assets | 2.6558% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5099% | 873 |
| Return on assets (ROA) | 1.5099% | 919 |
| Pretax return on assets | 1.5180% | 1,613 |
| Return on Equity (ROE) | 15.0133% | 664 |
| Retained earnings to average equity (ytd only) | 15.0133% | 147 |
| Net charge-offs to loans | -0.0827% | 5,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9891% | 4,180 |
| Assets per employee ($millions) | 4.2387% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 1,598 |
| Loan loss allowance to noncurrent loans | 1,236.0000% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 5,214 |
| Noncurrent loans to loans | 0.1275% | 4,929 |
| Net loans and leases to total assets | 25.2910% | 5,878 |
| Net loans and leases to deposits | 32.4564% | 5,845 |
| Net loans and leases to core deposits | 34.4270% | 5,838 |
| Total domestic deposits to total assets | 77.9228% | 5,014 |
| Equity capital to assets | 10.7607% | 3,332 |
| Core capital (leverage) ratio | 9.6541% | 3,995 |
| Tier 1 risk-based capital ratio | 23.0147% | 1,015 |
| Total risk-based capital ratio | 23.9865% | 1,028 |
| Memoranda: | ||
| Average total assets | $74,705,000 | 4,918 |
| Average earning assets | $69,802,000 | 4,889 |
| Average equity | $7,513,330 | 5,105 |
| Average total loans | $19,343,670 | 5,655 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2500% | 5,414 |
| Cost of funding earning assets | 0.5417% | 1,779 |
| Net interest margin | 2.7084% | 5,608 |
| Noninterest income to average assets | 2.5220% | 250 |
| Noninterest expense to average assets | 2.5382% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.4841% | 159 |
| Return on assets (ROA) | 2.4841% | 164 |
| Pretax return on assets | 2.5004% | 235 |
| Return on Equity (ROE) | 25.6246% | 91 |
| Retained earnings to average equity (ytd only) | 25.6246% | 44 |
| Net charge-offs to loans | -0.0208% | 4,885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8389% | 5,638 |
| Assets per employee ($millions) | 4.3662% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 1,805 |
| Loan loss allowance to noncurrent loans | 1,589.4737% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 5,297 |
| Noncurrent loans to loans | 0.0973% | 5,083 |
| Net loans and leases to total assets | 25.9114% | 5,916 |
| Net loans and leases to deposits | 32.0118% | 5,901 |
| Net loans and leases to core deposits | 33.9338% | 5,893 |
| Total domestic deposits to total assets | 80.9433% | 4,509 |
| Equity capital to assets | 10.1568% | 3,891 |
| Core capital (leverage) ratio | 9.7298% | 3,871 |
| Tier 1 risk-based capital ratio | 22.9545% | 1,019 |
| Total risk-based capital ratio | 23.9160% | 1,035 |
| Memoranda: | ||
| Average total assets | $73,909,500 | 4,976 |
| Average earning assets | $68,676,500 | 4,962 |
| Average equity | $7,165,000 | 5,197 |
| Average total loans | $19,213,000 | 5,707 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1454% | 5,585 |
| Cost of funding earning assets | 0.5578% | 1,697 |
| Net interest margin | 2.5876% | 5,765 |
| Noninterest income to average assets | 0.6768% | 2,309 |
| Noninterest expense to average assets | 2.8373% | 3,083 |
| Loan and lease loss provision to assets | -0.2076% | 5,990 |
| Net operating income to assets | 0.4484% | 4,886 |
| Return on assets (ROA) | 0.4484% | 4,969 |
| Pretax return on assets | 0.4484% | 5,228 |
| Return on Equity (ROE) | 4.6807% | 4,665 |
| Retained earnings to average equity (ytd only) | -0.3756% | 5,571 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2320% | 616 |
| Assets per employee ($millions) | 4.3290% | 3,340 |
| Cash dividends to net income (ytd only)* | 108.0247% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 1,633 |
| Loan loss allowance to noncurrent loans | 1,433.3333% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 4,447 |
| Noncurrent loans to loans | 0.1112% | 5,057 |
| Net loans and leases to total assets | 25.2606% | 5,989 |
| Net loans and leases to deposits | 32.8289% | 5,958 |
| Net loans and leases to core deposits | 35.6650% | 5,926 |
| Total domestic deposits to total assets | 76.9462% | 5,322 |
| Equity capital to assets | 9.2278% | 4,866 |
| Core capital (leverage) ratio | 9.0757% | 4,788 |
| Tier 1 risk-based capital ratio | 21.3324% | 1,243 |
| Total risk-based capital ratio | 22.2818% | 1,271 |
| Memoranda: | ||
| Average total assets | $72,250,800 | 5,036 |
| Average earning assets | $67,049,600 | 5,015 |
| Average equity | $6,922,000 | 5,255 |
| Average total loans | $18,068,600 | 5,790 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1046% | 5,704 |
| Cost of funding earning assets | 0.5623% | 1,693 |
| Net interest margin | 2.5423% | 5,882 |
| Noninterest income to average assets | 0.6526% | 2,467 |
| Noninterest expense to average assets | 2.7550% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2614% | 5,550 |
| Return on assets (ROA) | 0.2614% | 5,630 |
| Pretax return on assets | 0.2614% | 5,703 |
| Return on Equity (ROE) | 2.7032% | 5,480 |
| Retained earnings to average equity (ytd only) | -0.1725% | 5,629 |
| Net charge-offs to loans | -0.0373% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3503% | 679 |
| Assets per employee ($millions) | 4.3161% | 3,295 |
| Cash dividends to net income (ytd only)* | 106.3830% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5315% | 418 |
| Loan loss allowance to noncurrent loans | 6,514.2857% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 4,587 |
| Noncurrent loans to loans | 0.0389% | 5,459 |
| Net loans and leases to total assets | 23.9281% | 6,096 |
| Net loans and leases to deposits | 30.4645% | 6,071 |
| Net loans and leases to core deposits | 34.3380% | 6,040 |
| Total domestic deposits to total assets | 78.5442% | 5,079 |
| Equity capital to assets | 9.7446% | 4,463 |
| Core capital (leverage) ratio | 9.2973% | 4,590 |
| Tier 1 risk-based capital ratio | 22.0770% | 1,186 |
| Total risk-based capital ratio | 23.3287% | 1,165 |
| Memoranda: | ||
| Average total assets | $71,915,250 | 5,103 |
| Average earning assets | $66,867,250 | 5,081 |
| Average equity | $6,954,750 | 5,317 |
| Average total loans | $17,863,000 | 5,868 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1011% | 5,746 |
| Cost of funding earning assets | 0.5720% | 1,629 |
| Net interest margin | 2.5290% | 5,936 |
| Noninterest income to average assets | 0.6664% | 2,378 |
| Noninterest expense to average assets | 2.8028% | 3,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2156% | 5,656 |
| Return on assets (ROA) | 0.2156% | 5,726 |
| Pretax return on assets | 0.2156% | 5,786 |
| Return on Equity (ROE) | 2.2352% | 5,634 |
| Retained earnings to average equity (ytd only) | -2.1191% | 5,841 |
| Net charge-offs to loans | -0.0449% | 5,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9295% | 645 |
| Assets per employee ($millions) | 3.9562% | 3,967 |
| Cash dividends to net income (ytd only)* | 194.8052% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5549% | 459 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 4,632 |
| Noncurrent loans to loans | 0.0730% | 5,438 |
| Net loans and leases to total assets | 24.3698% | 6,152 |
| Net loans and leases to deposits | 29.1404% | 6,153 |
| Net loans and leases to core deposits | 32.7113% | 6,127 |
| Total domestic deposits to total assets | 83.6289% | 3,723 |
| Equity capital to assets | 9.2373% | 4,971 |
| Core capital (leverage) ratio | 9.4223% | 4,386 |
| Tier 1 risk-based capital ratio | 22.7105% | 1,113 |
| Total risk-based capital ratio | 23.9622% | 1,092 |
| Memoranda: | ||
| Average total assets | $71,429,000 | 5,172 |
| Average earning assets | $66,428,670 | 5,142 |
| Average equity | $6,889,670 | 5,381 |
| Average total loans | $17,813,000 | 5,932 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1621% | 5,707 |
| Cost of funding earning assets | 0.5771% | 1,603 |
| Net interest margin | 2.5850% | 5,936 |
| Noninterest income to average assets | 0.6318% | 2,488 |
| Noninterest expense to average assets | 2.7398% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2963% | 5,432 |
| Return on assets (ROA) | 0.2963% | 5,529 |
| Pretax return on assets | 0.2963% | 5,657 |
| Return on Equity (ROE) | 3.0090% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.0090% | 4,173 |
| Net charge-offs to loans | -0.0449% | 5,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3186% | 906 |
| Assets per employee ($millions) | 3.7809% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6241% | 448 |
| Loan loss allowance to noncurrent loans | 1,812.0000% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 4,684 |
| Noncurrent loans to loans | 0.1448% | 5,263 |
| Net loans and leases to total assets | 23.4002% | 6,226 |
| Net loans and leases to deposits | 28.2901% | 6,215 |
| Net loans and leases to core deposits | 31.4676% | 6,194 |
| Total domestic deposits to total assets | 82.7150% | 4,269 |
| Equity capital to assets | 10.1897% | 3,892 |
| Core capital (leverage) ratio | 9.4048% | 4,425 |
| Tier 1 risk-based capital ratio | 23.4302% | 1,055 |
| Total risk-based capital ratio | 24.6812% | 1,029 |
| Memoranda: | ||
| Average total assets | $71,538,000 | 5,216 |
| Average earning assets | $66,538,000 | 5,181 |
| Average equity | $7,045,500 | 5,396 |
| Average total loans | $17,815,000 | 5,987 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 5,765 |
| Cost of funding earning assets | 0.6373% | 1,495 |
| Net interest margin | 2.6202% | 6,043 |
| Noninterest income to average assets | 0.6410% | 2,611 |
| Noninterest expense to average assets | 3.0253% | 2,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0416% | 6,037 |
| Return on assets (ROA) | 0.3422% | 5,468 |
| Pretax return on assets | 0.3534% | 5,598 |
| Return on Equity (ROE) | 4.0559% | 5,090 |
| Retained earnings to average equity (ytd only) | -0.1828% | 5,799 |
| Net charge-offs to loans | -0.0540% | 5,952 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6234% | 438 |
| Assets per employee ($millions) | 3.7494% | 4,442 |
| Cash dividends to net income (ytd only)* | 104.5082% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4555% | 591 |
| Loan loss allowance to noncurrent loans | 920.4082% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 4,616 |
| Noncurrent loans to loans | 0.2668% | 4,887 |
| Net loans and leases to total assets | 25.1491% | 6,294 |
| Net loans and leases to deposits | 31.3914% | 6,272 |
| Net loans and leases to core deposits | 35.4260% | 6,212 |
| Total domestic deposits to total assets | 80.1148% | 4,987 |
| Equity capital to assets | 9.5046% | 4,714 |
| Core capital (leverage) ratio | 9.4398% | 4,324 |
| Tier 1 risk-based capital ratio | 23.3338% | 1,026 |
| Total risk-based capital ratio | 24.5904% | 1,004 |
| Memoranda: | ||
| Average total assets | $71,297,600 | 5,250 |
| Average earning assets | $66,064,400 | 5,224 |
| Average equity | $6,016,000 | 5,619 |
| Average total loans | $16,653,600 | 6,098 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2690% | 5,810 |
| Cost of funding earning assets | 0.6510% | 1,451 |
| Net interest margin | 2.6180% | 6,109 |
| Noninterest income to average assets | 0.6394% | 2,630 |
| Noninterest expense to average assets | 3.0158% | 2,751 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0423% | 6,099 |
| Return on assets (ROA) | 0.4431% | 5,180 |
| Pretax return on assets | 0.4581% | 5,441 |
| Return on Equity (ROE) | 5.4226% | 4,520 |
| Retained earnings to average equity (ytd only) | 1.5330% | 5,278 |
| Net charge-offs to loans | -0.0575% | 5,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5565% | 449 |
| Assets per employee ($millions) | 3.6678% | 4,542 |
| Cash dividends to net income (ytd only)* | 71.7301% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6867% | 498 |
| Loan loss allowance to noncurrent loans | 275.4601% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 4,928 |
| Noncurrent loans to loans | 0.9753% | 3,123 |
| Net loans and leases to total assets | 23.3365% | 6,400 |
| Net loans and leases to deposits | 27.3797% | 6,402 |
| Net loans and leases to core deposits | 30.4562% | 6,381 |
| Total domestic deposits to total assets | 85.2330% | 3,246 |
| Equity capital to assets | 8.9010% | 5,460 |
| Core capital (leverage) ratio | 9.4942% | 4,385 |
| Tier 1 risk-based capital ratio | 24.8210% | 897 |
| Total risk-based capital ratio | 26.0776% | 885 |
| Memoranda: | ||
| Average total assets | $71,312,250 | 5,305 |
| Average earning assets | $65,952,000 | 5,285 |
| Average equity | $5,827,250 | 5,714 |
| Average total loans | $16,225,250 | 6,179 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2969% | 5,797 |
| Cost of funding earning assets | 0.6540% | 1,480 |
| Net interest margin | 2.6429% | 6,126 |
| Noninterest income to average assets | 0.6207% | 2,706 |
| Noninterest expense to average assets | 3.0980% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0445% | 6,217 |
| Return on assets (ROA) | -0.0445% | 6,234 |
| Pretax return on assets | -0.0362% | 6,221 |
| Return on Equity (ROE) | -0.5612% | 6,248 |
| Retained earnings to average equity (ytd only) | -2.3150% | 6,032 |
| Net charge-offs to loans | -0.0498% | 5,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1818% | 395 |
| Assets per employee ($millions) | 3.4189% | 5,019 |
| Cash dividends to net income (ytd only)* | -312.5000% | 6,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6936% | 538 |
| Loan loss allowance to noncurrent loans | 83.3645% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 3,434 |
| Noncurrent loans to loans | 3.2311% | 875 |
| Net loans and leases to total assets | 22.4414% | 6,477 |
| Net loans and leases to deposits | 26.1916% | 6,489 |
| Net loans and leases to core deposits | 29.9948% | 6,451 |
| Total domestic deposits to total assets | 85.6817% | 3,201 |
| Equity capital to assets | 8.6230% | 5,686 |
| Core capital (leverage) ratio | 9.1893% | 4,759 |
| Tier 1 risk-based capital ratio | 24.1501% | 963 |
| Total risk-based capital ratio | 25.4055% | 945 |
| Memoranda: | ||
| Average total assets | $71,853,330 | 5,339 |
| Average earning assets | $66,365,330 | 5,314 |
| Average equity | $5,702,000 | 5,775 |
| Average total loans | $16,063,000 | 6,239 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3351% | 5,784 |
| Cost of funding earning assets | 0.6682% | 1,449 |
| Net interest margin | 2.6668% | 6,147 |
| Noninterest income to average assets | 0.5954% | 2,760 |
| Noninterest expense to average assets | 3.1886% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1502% | 6,323 |
| Return on assets (ROA) | -0.1502% | 6,327 |
| Pretax return on assets | -0.1502% | 6,315 |
| Return on Equity (ROE) | -1.9789% | 6,355 |
| Retained earnings to average equity (ytd only) | -5.6436% | 6,164 |
| Net charge-offs to loans | -0.0253% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0293% | 372 |
| Assets per employee ($millions) | 3.3200% | 5,311 |
| Cash dividends to net income (ytd only)* | -185.1852% | 6,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6826% | 641 |
| Loan loss allowance to noncurrent loans | 80.5455% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 3,590 |
| Noncurrent loans to loans | 3.3305% | 911 |
| Net loans and leases to total assets | 22.0033% | 6,539 |
| Net loans and leases to deposits | 25.4252% | 6,554 |
| Net loans and leases to core deposits | 29.4292% | 6,506 |
| Total domestic deposits to total assets | 86.5414% | 3,085 |
| Equity capital to assets | 7.8561% | 6,143 |
| Core capital (leverage) ratio | 9.2032% | 4,718 |
| Tier 1 risk-based capital ratio | 24.0379% | 998 |
| Total risk-based capital ratio | 25.2941% | 978 |
| Memoranda: | ||
| Average total assets | $71,882,000 | 5,389 |
| Average earning assets | $65,845,500 | 5,380 |
| Average equity | $5,457,500 | 5,880 |
| Average total loans | $15,815,500 | 6,313 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 5,953 |
| Cost of funding earning assets | 0.6987% | 1,823 |
| Net interest margin | 2.6308% | 6,231 |
| Noninterest income to average assets | 0.6192% | 2,982 |
| Noninterest expense to average assets | 2.9073% | 3,350 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1129% | 6,014 |
| Return on assets (ROA) | 0.5706% | 4,516 |
| Pretax return on assets | 0.5790% | 4,939 |
| Return on Equity (ROE) | 6.2635% | 3,933 |
| Retained earnings to average equity (ytd only) | 0.0152% | 5,846 |
| Net charge-offs to loans | -0.1628% | 6,588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1791% | 688 |
| Assets per employee ($millions) | 3.2148% | 5,465 |
| Cash dividends to net income (ytd only)* | 99.7567% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9239% | 516 |
| Loan loss allowance to noncurrent loans | 83.2392% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.3998% | 2,650 |
| Noncurrent loans to loans | 3.5126% | 888 |
| Net loans and leases to total assets | 20.7494% | 6,659 |
| Net loans and leases to deposits | 24.8889% | 6,657 |
| Net loans and leases to core deposits | 28.1335% | 6,623 |
| Total domestic deposits to total assets | 83.3680% | 4,405 |
| Equity capital to assets | 7.3199% | 6,361 |
| Core capital (leverage) ratio | 9.3877% | 4,424 |
| Tier 1 risk-based capital ratio | 25.3877% | 821 |
| Total risk-based capital ratio | 26.6435% | 807 |
| Memoranda: | ||
| Average total assets | $72,025,000 | 5,415 |
| Average earning assets | $65,836,400 | 5,412 |
| Average equity | $6,561,800 | 5,678 |
| Average total loans | $15,360,800 | 6,399 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3220% | 6,024 |
| Cost of funding earning assets | 0.6986% | 1,961 |
| Net interest margin | 2.6234% | 6,289 |
| Noninterest income to average assets | 0.6100% | 3,078 |
| Noninterest expense to average assets | 2.8546% | 3,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1554% | 6,027 |
| Return on assets (ROA) | 0.7629% | 3,673 |
| Pretax return on assets | 0.7703% | 4,418 |
| Return on Equity (ROE) | 7.9906% | 3,126 |
| Retained earnings to average equity (ytd only) | 0.0772% | 5,913 |
| Net charge-offs to loans | -0.2248% | 6,672 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8188% | 749 |
| Assets per employee ($millions) | 3.5308% | 4,789 |
| Cash dividends to net income (ytd only)* | 99.0326% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8272% | 660 |
| Loan loss allowance to noncurrent loans | 84.3810% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2844% | 3,075 |
| Noncurrent loans to loans | 3.3506% | 1,161 |
| Net loans and leases to total assets | 21.5617% | 6,724 |
| Net loans and leases to deposits | 28.2974% | 6,692 |
| Net loans and leases to core deposits | 29.8508% | 6,685 |
| Total domestic deposits to total assets | 76.1966% | 6,149 |
| Equity capital to assets | 8.3961% | 5,836 |
| Core capital (leverage) ratio | 9.4845% | 4,433 |
| Tier 1 risk-based capital ratio | 25.1905% | 855 |
| Total risk-based capital ratio | 26.4820% | 839 |
| Memoranda: | ||
| Average total assets | $72,350,000 | 5,462 |
| Average earning assets | $66,222,750 | 5,446 |
| Average equity | $6,908,000 | 5,665 |
| Average total loans | $15,421,750 | 6,462 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3139% | 6,062 |
| Cost of funding earning assets | 0.6556% | 2,448 |
| Net interest margin | 2.6583% | 6,247 |
| Noninterest income to average assets | 0.5759% | 3,347 |
| Noninterest expense to average assets | 2.9070% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0999% | 6,134 |
| Return on assets (ROA) | 0.1289% | 6,170 |
| Pretax return on assets | 0.1344% | 6,184 |
| Return on Equity (ROE) | 1.2994% | 6,146 |
| Retained earnings to average equity (ytd only) | -2.2946% | 6,225 |
| Net charge-offs to loans | -0.3129% | 6,765 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5373% | 679 |
| Assets per employee ($millions) | 3.5895% | 4,648 |
| Cash dividends to net income (ytd only)* | 276.5957% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7640% | 739 |
| Loan loss allowance to noncurrent loans | 59.1946% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 1.5699% | 2,760 |
| Noncurrent loans to loans | 4.6694% | 732 |
| Net loans and leases to total assets | 21.6106% | 6,770 |
| Net loans and leases to deposits | 27.9814% | 6,738 |
| Net loans and leases to core deposits | 29.4696% | 6,727 |
| Total domestic deposits to total assets | 77.2319% | 6,094 |
| Equity capital to assets | 8.2311% | 6,034 |
| Core capital (leverage) ratio | 8.9937% | 4,999 |
| Tier 1 risk-based capital ratio | 24.5511% | 926 |
| Total risk-based capital ratio | 25.8421% | 904 |
| Memoranda: | ||
| Average total assets | $72,928,000 | 5,488 |
| Average earning assets | $66,809,330 | 5,476 |
| Average equity | $7,234,330 | 5,620 |
| Average total loans | $15,339,330 | 6,509 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2888% | 6,173 |
| Cost of funding earning assets | 0.6992% | 2,217 |
| Net interest margin | 2.5896% | 6,392 |
| Noninterest income to average assets | 0.5497% | 3,443 |
| Noninterest expense to average assets | 2.8409% | 3,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0871% | 6,173 |
| Return on assets (ROA) | 0.1469% | 6,146 |
| Pretax return on assets | 0.1469% | 6,179 |
| Return on Equity (ROE) | 1.3676% | 6,127 |
| Retained earnings to average equity (ytd only) | 1.3676% | 5,295 |
| Net charge-offs to loans | -0.5854% | 6,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0967% | 727 |
| Assets per employee ($millions) | 3.4997% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8592% | 769 |
| Loan loss allowance to noncurrent loans | 1,416.1290% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 4,983 |
| Noncurrent loans to loans | 0.2019% | 5,894 |
| Net loans and leases to total assets | 20.2944% | 6,852 |
| Net loans and leases to deposits | 24.9657% | 6,846 |
| Net loans and leases to core deposits | 27.4971% | 6,811 |
| Total domestic deposits to total assets | 81.2894% | 5,423 |
| Equity capital to assets | 10.3751% | 3,702 |
| Core capital (leverage) ratio | 9.1962% | 4,574 |
| Tier 1 risk-based capital ratio | 24.9194% | 900 |
| Total risk-based capital ratio | 26.2093% | 883 |
| Memoranda: | ||
| Average total assets | $73,497,500 | 5,524 |
| Average earning assets | $67,502,000 | 5,508 |
| Average equity | $7,897,000 | 5,513 |
| Average total loans | $15,031,500 | 6,579 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 5,995 |
| Cost of funding earning assets | 0.8299% | 2,424 |
| Net interest margin | 2.8994% | 6,226 |
| Noninterest income to average assets | 0.7314% | 2,582 |
| Noninterest expense to average assets | 3.0801% | 2,983 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2902% | 5,501 |
| Return on assets (ROA) | 0.5684% | 4,647 |
| Pretax return on assets | 0.5934% | 5,013 |
| Return on Equity (ROE) | 5.0234% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.9453% | 4,850 |
| Net charge-offs to loans | 0.0362% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 868 |
| Efficiency ratio | 90.1606% | 1,055 |
| Assets per employee ($millions) | 3.3410% | 5,344 |
| Cash dividends to net income (ytd only)* | 61.2745% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8350% | 796 |
| Loan loss allowance to noncurrent loans | 834.0000% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 5,006 |
| Noncurrent loans to loans | 0.3399% | 5,635 |
| Net loans and leases to total assets | 19.4444% | 6,932 |
| Net loans and leases to deposits | 25.2152% | 6,911 |
| Net loans and leases to core deposits | 26.9259% | 6,897 |
| Total domestic deposits to total assets | 77.1135% | 6,210 |
| Equity capital to assets | 11.1140% | 2,818 |
| Core capital (leverage) ratio | 9.1555% | 4,651 |
| Tier 1 risk-based capital ratio | 25.0346% | 849 |
| Total risk-based capital ratio | 26.2884% | 838 |
| Memoranda: | ||
| Average total assets | $71,783,800 | 5,582 |
| Average earning assets | $65,668,600 | 5,565 |
| Average equity | $8,122,000 | 5,466 |
| Average total loans | $16,558,200 | 6,570 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8046% | 6,012 |
| Cost of funding earning assets | 0.8632% | 2,441 |
| Net interest margin | 2.9414% | 6,288 |
| Noninterest income to average assets | 0.7512% | 2,475 |
| Noninterest expense to average assets | 2.9691% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4564% | 5,009 |
| Return on assets (ROA) | 0.7736% | 3,836 |
| Pretax return on assets | 0.7960% | 4,496 |
| Return on Equity (ROE) | 6.8061% | 3,905 |
| Retained earnings to average equity (ytd only) | 3.9291% | 4,120 |
| Net charge-offs to loans | 0.0940% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 20.9163% | 1,431 |
| Efficiency ratio | 85.4891% | 1,431 |
| Assets per employee ($millions) | 3.2799% | 5,477 |
| Cash dividends to net income (ytd only)* | 42.2707% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6616% | 1,016 |
| Loan loss allowance to noncurrent loans | 2,055.0000% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 5,275 |
| Noncurrent loans to loans | 0.1295% | 6,283 |
| Net loans and leases to total assets | 20.8307% | 7,015 |
| Net loans and leases to deposits | 26.5598% | 7,004 |
| Net loans and leases to core deposits | 27.9428% | 6,993 |
| Total domestic deposits to total assets | 78.4293% | 5,985 |
| Equity capital to assets | 11.6120% | 2,635 |
| Core capital (leverage) ratio | 9.2057% | 4,753 |
| Tier 1 risk-based capital ratio | 25.0092% | 908 |
| Total risk-based capital ratio | 26.2957% | 892 |
| Memoranda: | ||
| Average total assets | $71,354,250 | 5,656 |
| Average earning assets | $65,182,750 | 5,635 |
| Average equity | $8,110,250 | 5,527 |
| Average total loans | $17,020,500 | 6,638 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 6,029 |
| Cost of funding earning assets | 0.8979% | 2,417 |
| Net interest margin | 2.9527% | 6,334 |
| Noninterest income to average assets | 0.7625% | 2,363 |
| Noninterest expense to average assets | 2.9907% | 3,287 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4670% | 4,966 |
| Return on assets (ROA) | 0.5993% | 4,627 |
| Pretax return on assets | 0.5965% | 5,148 |
| Return on Equity (ROE) | 5.3113% | 4,663 |
| Retained earnings to average equity (ytd only) | 0.9476% | 5,692 |
| Net charge-offs to loans | 0.0684% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,131 |
| Efficiency ratio | 85.6678% | 1,464 |
| Assets per employee ($millions) | 3.6147% | 4,723 |
| Cash dividends to net income (ytd only)* | 82.1596% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4855% | 1,303 |
| Loan loss allowance to noncurrent loans | 718.9655% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 5,249 |
| Noncurrent loans to loans | 0.3457% | 5,857 |
| Net loans and leases to total assets | 22.6298% | 7,053 |
| Net loans and leases to deposits | 28.3437% | 7,036 |
| Net loans and leases to core deposits | 29.7888% | 7,030 |
| Total domestic deposits to total assets | 79.8407% | 5,779 |
| Equity capital to assets | 11.2776% | 2,822 |
| Core capital (leverage) ratio | 9.1728% | 4,650 |
| Tier 1 risk-based capital ratio | 23.1317% | 1,114 |
| Total risk-based capital ratio | 24.4154% | 1,093 |
| Memoranda: | ||
| Average total assets | $71,086,330 | 5,697 |
| Average earning assets | $64,821,000 | 5,679 |
| Average equity | $8,020,670 | 5,570 |
| Average total loans | $17,546,670 | 6,670 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 6,068 |
| Cost of funding earning assets | 0.9407% | 2,369 |
| Net interest margin | 2.9406% | 6,407 |
| Noninterest income to average assets | 0.7888% | 2,217 |
| Noninterest expense to average assets | 3.0249% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4483% | 5,042 |
| Return on assets (ROA) | 0.4483% | 5,236 |
| Pretax return on assets | 0.4427% | 5,609 |
| Return on Equity (ROE) | 3.9726% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.9726% | 4,201 |
| Net charge-offs to loans | 0.0892% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,225 |
| Efficiency ratio | 86.4157% | 1,441 |
| Assets per employee ($millions) | 3.2724% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4653% | 1,404 |
| Loan loss allowance to noncurrent loans | 277.4834% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 5,101 |
| Noncurrent loans to loans | 0.8884% | 4,890 |
| Net loans and leases to total assets | 23.0258% | 7,101 |
| Net loans and leases to deposits | 28.0424% | 7,088 |
| Net loans and leases to core deposits | 29.4367% | 7,083 |
| Total domestic deposits to total assets | 82.1108% | 5,258 |
| Equity capital to assets | 11.1608% | 2,745 |
| Core capital (leverage) ratio | 9.3601% | 4,264 |
| Tier 1 risk-based capital ratio | 23.2864% | 1,097 |
| Total risk-based capital ratio | 24.4941% | 1,083 |
| Memoranda: | ||
| Average total assets | $70,482,500 | 5,754 |
| Average earning assets | $64,205,500 | 5,747 |
| Average equity | $7,954,500 | 5,613 |
| Average total loans | $17,931,500 | 6,710 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 5,098 |
| Cost of funding earning assets | 1.1005% | 2,671 |
| Net interest margin | 3.3928% | 5,504 |
| Noninterest income to average assets | 0.8098% | 2,002 |
| Noninterest expense to average assets | 3.3957% | 2,254 |
| Loan and lease loss provision to assets | -0.0044% | 7,209 |
| Net operating income to assets | 0.4848% | 4,491 |
| Return on assets (ROA) | 0.6973% | 3,687 |
| Pretax return on assets | 0.7338% | 4,212 |
| Return on Equity (ROE) | 6.4320% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.0836% | 2,576 |
| Net charge-offs to loans | 0.0429% | 5,876 |
| Credit loss provision to net charge-offs | -33.3333% | 6,646 |
| Earnings coverage of net charge-offs (x) | 38.4444% | 700 |
| Efficiency ratio | 86.2495% | 1,528 |
| Assets per employee ($millions) | 2.9988% | 6,084 |
| Cash dividends to net income (ytd only)* | 20.9644% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2420% | 1,720 |
| Loan loss allowance to noncurrent loans | 295.8042% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 5,194 |
| Noncurrent loans to loans | 0.7579% | 5,178 |
| Net loans and leases to total assets | 26.7413% | 7,100 |
| Net loans and leases to deposits | 33.5370% | 7,056 |
| Net loans and leases to core deposits | 35.3360% | 7,048 |
| Total domestic deposits to total assets | 79.7367% | 5,809 |
| Equity capital to assets | 11.4162% | 2,581 |
| Core capital (leverage) ratio | 9.3564% | 4,243 |
| Tier 1 risk-based capital ratio | 22.5642% | 1,154 |
| Total risk-based capital ratio | 23.8467% | 1,126 |
| Memoranda: | ||
| Average total assets | $68,410,200 | 5,796 |
| Average earning assets | $62,337,400 | 5,793 |
| Average equity | $7,416,000 | 5,744 |
| Average total loans | $20,974,400 | 6,608 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 5,042 |
| Cost of funding earning assets | 1.1243% | 2,801 |
| Net interest margin | 3.4350% | 5,444 |
| Noninterest income to average assets | 0.8046% | 2,034 |
| Noninterest expense to average assets | 3.3377% | 2,382 |
| Loan and lease loss provision to assets | -0.0039% | 7,290 |
| Net operating income to assets | 0.5890% | 4,135 |
| Return on assets (ROA) | 0.8789% | 2,970 |
| Pretax return on assets | 0.9081% | 3,731 |
| Return on Equity (ROE) | 8.2174% | 2,955 |
| Retained earnings to average equity (ytd only) | 6.3913% | 2,301 |
| Net charge-offs to loans | -0.0124% | 6,810 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8534% | 1,746 |
| Assets per employee ($millions) | 2.9842% | 6,160 |
| Cash dividends to net income (ytd only)* | 22.2220% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2275% | 1,810 |
| Loan loss allowance to noncurrent loans | 91.9662% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 5,422 |
| Noncurrent loans to loans | 2.4220% | 2,858 |
| Net loans and leases to total assets | 27.8192% | 7,152 |
| Net loans and leases to deposits | 34.9246% | 7,101 |
| Net loans and leases to core deposits | 36.5982% | 7,104 |
| Total domestic deposits to total assets | 79.6550% | 5,834 |
| Equity capital to assets | 11.5639% | 2,632 |
| Core capital (leverage) ratio | 9.3028% | 4,450 |
| Tier 1 risk-based capital ratio | 21.6056% | 1,354 |
| Total risk-based capital ratio | 22.8530% | 1,323 |
| Memoranda: | ||
| Average total assets | $68,269,750 | 5,832 |
| Average earning assets | $62,375,750 | 5,829 |
| Average equity | $7,301,500 | 5,818 |
| Average total loans | $21,501,250 | 6,647 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 5,141 |
| Cost of funding earning assets | 1.1502% | 2,899 |
| Net interest margin | 3.4088% | 5,526 |
| Noninterest income to average assets | 0.8071% | 1,989 |
| Noninterest expense to average assets | 3.2694% | 2,673 |
| Loan and lease loss provision to assets | -0.0147% | 7,373 |
| Net operating income to assets | 0.6427% | 3,836 |
| Return on assets (ROA) | 0.6427% | 3,961 |
| Pretax return on assets | 0.6662% | 4,515 |
| Return on Equity (ROE) | 6.1780% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.1780% | 2,313 |
| Net charge-offs to loans | -0.0542% | 7,043 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6347% | 2,002 |
| Assets per employee ($millions) | 3.0142% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0396% | 2,259 |
| Loan loss allowance to noncurrent loans | 96.8889% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 5,605 |
| Noncurrent loans to loans | 2.1051% | 3,348 |
| Net loans and leases to total assets | 30.2066% | 7,174 |
| Net loans and leases to deposits | 36.5112% | 7,166 |
| Net loans and leases to core deposits | 38.3851% | 7,160 |
| Total domestic deposits to total assets | 82.7323% | 4,892 |
| Equity capital to assets | 10.9122% | 3,048 |
| Core capital (leverage) ratio | 9.3504% | 4,173 |
| Tier 1 risk-based capital ratio | 19.8249% | 1,647 |
| Total risk-based capital ratio | 20.9909% | 1,635 |
| Memoranda: | ||
| Average total assets | $68,147,670 | 5,881 |
| Average earning assets | $62,251,000 | 5,881 |
| Average equity | $7,089,670 | 5,897 |
| Average total loans | $22,158,670 | 6,676 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 5,187 |
| Cost of funding earning assets | 1.1931% | 2,863 |
| Net interest margin | 3.3523% | 5,601 |
| Noninterest income to average assets | 0.8289% | 1,926 |
| Noninterest expense to average assets | 3.3393% | 2,444 |
| Loan and lease loss provision to assets | 0.0178% | 5,718 |
| Net operating income to assets | 0.5151% | 4,431 |
| Return on assets (ROA) | 0.5151% | 4,515 |
| Pretax return on assets | 0.5329% | 4,920 |
| Return on Equity (ROE) | 5.0788% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.0788% | 3,135 |
| Net charge-offs to loans | -0.0887% | 7,053 |
| Credit loss provision to net charge-offs | -60.0000% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0837% | 1,828 |
| Assets per employee ($millions) | 2.9081% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 2,470 |
| Loan loss allowance to noncurrent loans | 86.6928% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 5,389 |
| Noncurrent loans to loans | 2.2821% | 3,217 |
| Net loans and leases to total assets | 32.8150% | 7,135 |
| Net loans and leases to deposits | 39.8298% | 7,109 |
| Net loans and leases to core deposits | 42.4488% | 7,094 |
| Total domestic deposits to total assets | 82.3882% | 5,152 |
| Equity capital to assets | 10.3907% | 3,296 |
| Core capital (leverage) ratio | 9.1434% | 4,382 |
| Tier 1 risk-based capital ratio | 16.8922% | 2,521 |
| Total risk-based capital ratio | 18.0982% | 2,499 |
| Memoranda: | ||
| Average total assets | $67,558,500 | 5,945 |
| Average earning assets | $61,689,000 | 5,948 |
| Average equity | $6,852,000 | 5,973 |
| Average total loans | $22,549,500 | 6,710 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 5,757 |
| Cost of funding earning assets | 1.4944% | 2,681 |
| Net interest margin | 3.2203% | 6,223 |
| Noninterest income to average assets | 0.9312% | 1,738 |
| Noninterest expense to average assets | 3.0199% | 3,771 |
| Loan and lease loss provision to assets | 0.0541% | 6,605 |
| Net operating income to assets | 0.7819% | 2,883 |
| Return on assets (ROA) | 0.9411% | 2,361 |
| Pretax return on assets | 0.9483% | 3,110 |
| Return on Equity (ROE) | 9.7588% | 2,014 |
| Retained earnings to average equity (ytd only) | 7.1751% | 1,253 |
| Net charge-offs to loans | 0.0912% | 5,933 |
| Credit loss provision to net charge-offs | 165.2174% | 2,079 |
| Earnings coverage of net charge-offs (x) | 25.6957% | 832 |
| Efficiency ratio | 77.4336% | 2,804 |
| Assets per employee ($millions) | 3.4115% | 5,146 |
| Cash dividends to net income (ytd only)* | 26.4750% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 2,517 |
| Loan loss allowance to noncurrent loans | 270.1863% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 6,644 |
| Noncurrent loans to loans | 0.7090% | 5,632 |
| Net loans and leases to total assets | 32.6425% | 7,272 |
| Net loans and leases to deposits | 41.5507% | 7,202 |
| Net loans and leases to core deposits | 44.6315% | 7,180 |
| Total domestic deposits to total assets | 78.5608% | 6,202 |
| Equity capital to assets | 9.8989% | 3,880 |
| Core capital (leverage) ratio | 8.7913% | 4,871 |
| Tier 1 risk-based capital ratio | 16.4993% | 2,519 |
| Total risk-based capital ratio | 17.6736% | 2,524 |
| Memoranda: | ||
| Average total assets | $70,234,200 | 5,881 |
| Average earning assets | $63,906,600 | 5,861 |
| Average equity | $6,773,400 | 6,112 |
| Average total loans | $25,209,000 | 6,662 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 5,831 |
| Cost of funding earning assets | 1.5213% | 2,835 |
| Net interest margin | 3.2351% | 6,232 |
| Noninterest income to average assets | 0.8746% | 1,891 |
| Noninterest expense to average assets | 2.9084% | 4,056 |
| Loan and lease loss provision to assets | 0.0264% | 6,801 |
| Net operating income to assets | 0.8916% | 2,642 |
| Return on assets (ROA) | 1.0424% | 2,201 |
| Pretax return on assets | 1.0367% | 3,043 |
| Return on Equity (ROE) | 10.8776% | 1,828 |
| Retained earnings to average equity (ytd only) | 7.4354% | 1,623 |
| Net charge-offs to loans | 0.0155% | 6,463 |
| Credit loss provision to net charge-offs | 466.6667% | 636 |
| Earnings coverage of net charge-offs (x) | 161.3300% | 200 |
| Efficiency ratio | 75.3330% | 3,071 |
| Assets per employee ($millions) | 3.4726% | 5,051 |
| Cash dividends to net income (ytd only)* | 31.6461% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 2,841 |
| Loan loss allowance to noncurrent loans | 448.9583% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 7,007 |
| Noncurrent loans to loans | 0.3969% | 6,407 |
| Net loans and leases to total assets | 34.2025% | 7,337 |
| Net loans and leases to deposits | 43.1037% | 7,266 |
| Net loans and leases to core deposits | 46.3864% | 7,257 |
| Total domestic deposits to total assets | 79.3495% | 5,916 |
| Equity capital to assets | 10.3685% | 3,676 |
| Core capital (leverage) ratio | 8.5286% | 5,455 |
| Tier 1 risk-based capital ratio | 15.4893% | 3,001 |
| Total risk-based capital ratio | 16.6021% | 3,034 |
| Memoranda: | ||
| Average total assets | $70,735,250 | 5,926 |
| Average earning assets | $64,417,750 | 5,906 |
| Average equity | $6,778,250 | 6,185 |
| Average total loans | $25,834,500 | 6,709 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 6,008 |
| Cost of funding earning assets | 1.5360% | 3,032 |
| Net interest margin | 3.2048% | 6,305 |
| Noninterest income to average assets | 0.8347% | 1,947 |
| Noninterest expense to average assets | 2.7880% | 4,544 |
| Loan and lease loss provision to assets | 0.0337% | 6,616 |
| Net operating income to assets | 0.9066% | 2,535 |
| Return on assets (ROA) | 1.1242% | 1,843 |
| Pretax return on assets | 1.1495% | 2,589 |
| Return on Equity (ROE) | 12.0530% | 1,439 |
| Retained earnings to average equity (ytd only) | 6.7798% | 1,935 |
| Net charge-offs to loans | 0.0303% | 5,914 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 375 |
| Efficiency ratio | 73.6132% | 3,541 |
| Assets per employee ($millions) | 3.3242% | 5,374 |
| Cash dividends to net income (ytd only)* | 43.7500% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 3,258 |
| Loan loss allowance to noncurrent loans | 400.0000% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 7,003 |
| Noncurrent loans to loans | 0.4120% | 6,423 |
| Net loans and leases to total assets | 36.5904% | 7,333 |
| Net loans and leases to deposits | 45.9878% | 7,248 |
| Net loans and leases to core deposits | 50.6374% | 7,188 |
| Total domestic deposits to total assets | 79.5654% | 5,870 |
| Equity capital to assets | 9.9673% | 4,061 |
| Core capital (leverage) ratio | 8.1611% | 6,017 |
| Tier 1 risk-based capital ratio | 14.5140% | 3,438 |
| Total risk-based capital ratio | 15.5775% | 3,497 |
| Memoranda: | ||
| Average total assets | $71,163,330 | 5,942 |
| Average earning assets | $64,715,330 | 5,936 |
| Average equity | $6,637,330 | 6,258 |
| Average total loans | $26,384,330 | 6,724 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 6,301 |
| Cost of funding earning assets | 1.5348% | 3,353 |
| Net interest margin | 3.1494% | 6,454 |
| Noninterest income to average assets | 0.7015% | 2,594 |
| Noninterest expense to average assets | 2.6726% | 5,046 |
| Loan and lease loss provision to assets | -0.0111% | 7,837 |
| Net operating income to assets | 0.8909% | 2,586 |
| Return on assets (ROA) | 0.8909% | 2,658 |
| Pretax return on assets | 0.8964% | 3,485 |
| Return on Equity (ROE) | 9.8811% | 2,142 |
| Retained earnings to average equity (ytd only) | -0.3088% | 5,901 |
| Net charge-offs to loans | 0.1053% | 4,370 |
| Credit loss provision to net charge-offs | -28.5714% | 5,980 |
| Earnings coverage of net charge-offs (x) | 22.7143% | 1,081 |
| Efficiency ratio | 74.3349% | 3,522 |
| Assets per employee ($millions) | 3.4223% | 5,224 |
| Cash dividends to net income (ytd only)* | 103.1250% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 3,697 |
| Loan loss allowance to noncurrent loans | 348.3051% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 7,065 |
| Noncurrent loans to loans | 0.4424% | 6,415 |
| Net loans and leases to total assets | 36.5392% | 7,409 |
| Net loans and leases to deposits | 46.2536% | 7,324 |
| Net loans and leases to core deposits | 51.9239% | 7,203 |
| Total domestic deposits to total assets | 78.9976% | 6,082 |
| Equity capital to assets | 9.0318% | 5,230 |
| Core capital (leverage) ratio | 7.7297% | 6,591 |
| Tier 1 risk-based capital ratio | 13.6899% | 3,872 |
| Total risk-based capital ratio | 14.6935% | 3,987 |
| Memoranda: | ||
| Average total assets | $71,841,000 | 5,999 |
| Average earning assets | $65,154,500 | 5,993 |
| Average equity | $6,477,000 | 6,354 |
| Average total loans | $26,591,000 | 6,802 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3152% | 5,103 |
| Cost of funding earning assets | 1.6511% | 4,786 |
| Net interest margin | 3.6640% | 4,291 |
| Noninterest income to average assets | 0.8097% | 2,358 |
| Noninterest expense to average assets | 2.7777% | 5,062 |
| Loan and lease loss provision to assets | 0.6803% | 3,102 |
| Net operating income to assets | 0.6603% | 3,097 |
| Return on assets (ROA) | 0.7991% | 2,629 |
| Pretax return on assets | 0.8615% | 3,046 |
| Return on Equity (ROE) | 9.0461% | 2,010 |
| Retained earnings to average equity (ytd only) | 2.0677% | 3,657 |
| Net charge-offs to loans | 1.2182% | 2,021 |
| Credit loss provision to net charge-offs | 138.3901% | 3,547 |
| Earnings coverage of net charge-offs (x) | 2.8328% | 3,674 |
| Efficiency ratio | 66.3504% | 5,321 |
| Assets per employee ($millions) | 3.4197% | 5,209 |
| Cash dividends to net income (ytd only)* | 77.1429% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 3,347 |
| Loan loss allowance to noncurrent loans | 368.4211% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 7,080 |
| Noncurrent loans to loans | 0.4300% | 6,406 |
| Net loans and leases to total assets | 36.3314% | 7,507 |
| Net loans and leases to deposits | 48.5848% | 7,334 |
| Net loans and leases to core deposits | 61.6444% | 7,206 |
| Total domestic deposits to total assets | 74.7793% | 6,900 |
| Equity capital to assets | 8.9996% | 5,150 |
| Core capital (leverage) ratio | 8.9766% | 4,463 |
| Tier 1 risk-based capital ratio | 13.7729% | 3,646 |
| Total risk-based capital ratio | 14.8049% | 3,729 |
| Memoranda: | ||
| Average total assets | $65,703,000 | 6,147 |
| Average earning assets | $60,261,400 | 6,114 |
| Average equity | $5,803,600 | 6,669 |
| Average total loans | $26,514,800 | 6,829 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2621% | 5,623 |
| Cost of funding earning assets | 1.6993% | 4,904 |
| Net interest margin | 3.5628% | 4,625 |
| Noninterest income to average assets | 0.7957% | 2,451 |
| Noninterest expense to average assets | 2.3435% | 6,581 |
| Loan and lease loss provision to assets | 0.9308% | 2,069 |
| Net operating income to assets | 0.7497% | 3,026 |
| Return on assets (ROA) | 0.9391% | 2,338 |
| Pretax return on assets | 1.0139% | 2,863 |
| Return on Equity (ROE) | 10.6877% | 1,711 |
| Retained earnings to average equity (ytd only) | 2.2936% | 4,044 |
| Net charge-offs to loans | 1.6493% | 1,232 |
| Credit loss provision to net charge-offs | 136.5854% | 3,628 |
| Earnings coverage of net charge-offs (x) | 2.5549% | 3,947 |
| Efficiency ratio | 57.3754% | 6,808 |
| Assets per employee ($millions) | 3.1835% | 5,689 |
| Cash dividends to net income (ytd only)* | 78.5398% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 3,884 |
| Loan loss allowance to noncurrent loans | 297.1429% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 7,030 |
| Noncurrent loans to loans | 0.4747% | 6,369 |
| Net loans and leases to total assets | 41.5152% | 7,391 |
| Net loans and leases to deposits | 53.1612% | 7,249 |
| Net loans and leases to core deposits | 68.1863% | 7,064 |
| Total domestic deposits to total assets | 78.0930% | 6,061 |
| Equity capital to assets | 9.2551% | 5,085 |
| Core capital (leverage) ratio | 8.1468% | 6,108 |
| Tier 1 risk-based capital ratio | 14.7961% | 3,133 |
| Total risk-based capital ratio | 15.9203% | 3,139 |
| Memoranda: | ||
| Average total assets | $64,175,250 | 6,246 |
| Average earning assets | $59,239,500 | 6,200 |
| Average equity | $5,638,750 | 6,800 |
| Average total loans | $26,515,750 | 6,880 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 5,234 |
| Cost of funding earning assets | 1.7159% | 5,195 |
| Net interest margin | 3.6670% | 4,091 |
| Noninterest income to average assets | 0.8004% | 2,407 |
| Noninterest expense to average assets | 2.2500% | 6,920 |
| Loan and lease loss provision to assets | 0.3086% | 4,105 |
| Net operating income to assets | 1.5300% | 785 |
| Return on assets (ROA) | 1.5300% | 840 |
| Pretax return on assets | 1.6490% | 1,117 |
| Return on Equity (ROE) | 17.7689% | 510 |
| Retained earnings to average equity (ytd only) | 8.9964% | 939 |
| Net charge-offs to loans | 0.1175% | 4,985 |
| Credit loss provision to net charge-offs | 640.0000% | 726 |
| Earnings coverage of net charge-offs (x) | 40.6000% | 804 |
| Efficiency ratio | 53.4759% | 7,385 |
| Assets per employee ($millions) | 3.5219% | 4,762 |
| Cash dividends to net income (ytd only)* | 49.3697% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 3,456 |
| Loan loss allowance to noncurrent loans | 471.2500% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 7,245 |
| Noncurrent loans to loans | 0.3080% | 6,744 |
| Net loans and leases to total assets | 40.3802% | 7,529 |
| Net loans and leases to deposits | 64.5999% | 6,507 |
| Net loans and leases to core deposits | 81.5566% | 6,274 |
| Total domestic deposits to total assets | 62.5081% | 7,874 |
| Equity capital to assets | 8.8934% | 5,465 |
| Core capital (leverage) ratio | 8.1134% | 6,137 |
| Tier 1 risk-based capital ratio | 16.3275% | 2,508 |
| Total risk-based capital ratio | 17.4828% | 2,484 |
| Memoranda: | ||
| Average total assets | $62,221,330 | 6,364 |
| Average earning assets | $57,813,330 | 6,322 |
| Average equity | $5,357,670 | 6,943 |
| Average total loans | $25,523,670 | 6,993 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2501% | 6,113 |
| Cost of funding earning assets | 1.8410% | 4,915 |
| Net interest margin | 3.4091% | 5,105 |
| Noninterest income to average assets | 0.7334% | 2,690 |
| Noninterest expense to average assets | 2.2325% | 6,747 |
| Loan and lease loss provision to assets | 0.2271% | 4,174 |
| Net operating income to assets | 1.3823% | 1,176 |
| Return on assets (ROA) | 1.3823% | 1,268 |
| Pretax return on assets | 1.4343% | 1,864 |
| Return on Equity (ROE) | 16.3297% | 770 |
| Retained earnings to average equity (ytd only) | 14.0297% | 516 |
| Net charge-offs to loans | -0.0632% | 7,767 |
| Credit loss provision to net charge-offs | -875.0000% | 6,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3333% | 6,779 |
| Assets per employee ($millions) | 4.0760% | 3,496 |
| Cash dividends to net income (ytd only)* | 14.0845% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,094 |
| Loan loss allowance to noncurrent loans | 120.9386% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 6,233 |
| Noncurrent loans to loans | 1.0730% | 4,836 |
| Net loans and leases to total assets | 39.0702% | 7,612 |
| Net loans and leases to deposits | 55.3672% | 7,199 |
| Net loans and leases to core deposits | 74.9941% | 6,745 |
| Total domestic deposits to total assets | 70.5655% | 7,377 |
| Equity capital to assets | 8.5393% | 6,011 |
| Core capital (leverage) ratio | 8.0721% | 6,342 |
| Tier 1 risk-based capital ratio | 16.2064% | 2,612 |
| Total risk-based capital ratio | 17.2366% | 2,633 |
| Memoranda: | ||
| Average total assets | $61,634,500 | 6,417 |
| Average earning assets | $57,142,000 | 6,371 |
| Average equity | $5,217,500 | 7,049 |
| Average total loans | $25,297,500 | 7,046 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9765% | 5,661 |
| Cost of funding earning assets | 2.7615% | 2,872 |
| Net interest margin | 3.2150% | 6,324 |
| Noninterest income to average assets | 0.7900% | 2,573 |
| Noninterest expense to average assets | 2.5137% | 5,951 |
| Loan and lease loss provision to assets | 0.0541% | 6,737 |
| Net operating income to assets | 1.1509% | 1,937 |
| Return on assets (ROA) | 1.1655% | 1,819 |
| Pretax return on assets | 1.2112% | 2,603 |
| Return on Equity (ROE) | 14.7835% | 955 |
| Retained earnings to average equity (ytd only) | 7.8102% | 898 |
| Net charge-offs to loans | -0.1784% | 8,154 |
| Credit loss provision to net charge-offs | -68.0851% | 7,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7865% | 4,952 |
| Assets per employee ($millions) | 3.6283% | 4,343 |
| Cash dividends to net income (ytd only)* | 47.1698% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 4,576 |
| Loan loss allowance to noncurrent loans | 97.0492% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 5,606 |
| Noncurrent loans to loans | 1.2308% | 4,051 |
| Net loans and leases to total assets | 42.1753% | 7,576 |
| Net loans and leases to deposits | 64.3588% | 6,762 |
| Net loans and leases to core deposits | 83.2336% | 6,359 |
| Total domestic deposits to total assets | 65.5315% | 7,686 |
| Equity capital to assets | 8.3820% | 6,293 |
| Core capital (leverage) ratio | 8.6796% | 5,237 |
| Tier 1 risk-based capital ratio | 16.5032% | 2,485 |
| Total risk-based capital ratio | 17.4616% | 2,517 |
| Memoranda: | ||
| Average total assets | $59,116,400 | 6,411 |
| Average earning assets | $54,681,000 | 6,379 |
| Average equity | $4,660,600 | 7,269 |
| Average total loans | $26,349,600 | 6,941 |