Home > First National Bank & Trust Company > Performance and Condition Ratios
First National Bank & Trust Company, 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 | 3.6713% | 4,298 |
| Cost of funding earning assets | 1.4288% | 2,151 |
| Net interest margin | 2.2425% | 4,289 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.8138% | 1,463 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | -0.3114% | 4,489 |
| Return on assets (ROA) | -0.7405% | 4,512 |
| Pretax return on assets | -1.1322% | 4,524 |
| Return on Equity (ROE) | -20.9900% | 4,551 |
| Retained earnings to average equity (ytd only) | -20.9873% | 4,529 |
| Net charge-offs to loans | 0.0183% | 1,993 |
| Credit loss provision to net charge-offs | 891.3043% | 449 |
| Earnings coverage of net charge-offs (x) | -86.8261% | 4,589 |
| Efficiency ratio | 120.0155% | 78 |
| Assets per employee ($millions) | 7.2301% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 4,183 |
| Loan loss allowance to noncurrent loans | 84,500.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 2,099 |
| Noncurrent loans to loans | 0.0008% | 3,804 |
| Net loans and leases to total assets | 31.8000% | 4,254 |
| Net loans and leases to deposits | 33.2528% | 4,318 |
| Net loans and leases to core deposits | 49.6393% | 4,091 |
| Total domestic deposits to total assets | 95.6200% | 45 |
| Equity capital to assets | 3.2293% | 4,537 |
| Core capital (leverage) ratio | 7.0096% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6721% | 1,994 |
| Memoranda: | ||
| Average total assets | $392,703,800 | 2,036 |
| Average earning assets | $354,422,400 | 2,072 |
| Average equity | $13,856,000 | 3,356 |
| Average total loans | $125,970,400 | 2,890 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 4,343 |
| Cost of funding earning assets | 1.2746% | 2,212 |
| Net interest margin | 2.2825% | 4,311 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 3.0306% | 1,030 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | -0.4252% | 4,529 |
| Return on assets (ROA) | -1.0012% | 4,562 |
| Pretax return on assets | -1.4436% | 4,574 |
| Return on Equity (ROE) | -27.7600% | 4,587 |
| Retained earnings to average equity (ytd only) | -27.7643% | 4,571 |
| Net charge-offs to loans | 0.0160% | 1,825 |
| Credit loss provision to net charge-offs | 866.6667% | 440 |
| Earnings coverage of net charge-offs (x) | -130.5333% | 4,630 |
| Efficiency ratio | 126.3661% | 66 |
| Assets per employee ($millions) | 6.0813% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 4,270 |
| Loan loss allowance to noncurrent loans | 4,570.5882% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,225 |
| Noncurrent loans to loans | 0.0130% | 3,703 |
| Net loans and leases to total assets | 33.8000% | 4,247 |
| Net loans and leases to deposits | 38.1682% | 4,251 |
| Net loans and leases to core deposits | 49.5510% | 4,053 |
| Total domestic deposits to total assets | 88.5500% | 1,393 |
| Equity capital to assets | 3.6805% | 4,435 |
| Core capital (leverage) ratio | 7.3859% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8641% | 1,947 |
| Memoranda: | ||
| Average total assets | $389,657,750 | 2,044 |
| Average earning assets | $351,366,500 | 2,090 |
| Average equity | $14,051,250 | 3,332 |
| Average total loans | $125,065,250 | 2,901 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4986% | 4,347 |
| Cost of funding earning assets | 1.1762% | 2,060 |
| Net interest margin | 2.3224% | 4,349 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 3.6444% | 461 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.8722% | 4,592 |
| Return on assets (ROA) | -1.7415% | 4,620 |
| Pretax return on assets | -2.4352% | 4,628 |
| Return on Equity (ROE) | -48.6200% | 4,629 |
| Retained earnings to average equity (ytd only) | -48.6225% | 4,612 |
| Net charge-offs to loans | 0.0081% | 1,911 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | -522.0000% | 4,666 |
| Efficiency ratio | 155.5850% | 37 |
| Assets per employee ($millions) | 5.5747% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5529% | 4,341 |
| Loan loss allowance to noncurrent loans | 456.5517% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 2,869 |
| Noncurrent loans to loans | 0.1211% | 2,870 |
| Net loans and leases to total assets | 31.8800% | 4,286 |
| Net loans and leases to deposits | 33.4514% | 4,339 |
| Net loans and leases to core deposits | 43.5556% | 4,189 |
| Total domestic deposits to total assets | 95.2900% | 80 |
| Equity capital to assets | 3.5936% | 4,537 |
| Core capital (leverage) ratio | 7.3159% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1496% | 1,831 |
| Memoranda: | ||
| Average total assets | $391,835,667 | 2,035 |
| Average earning assets | $353,172,000 | 2,080 |
| Average equity | $14,034,667 | 3,350 |
| Average total loans | $123,330,667 | 2,913 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 4,226 |
| Cost of funding earning assets | 1.0467% | 1,890 |
| Net interest margin | 2.4899% | 4,315 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 4.2324% | 316 |
| Loan and lease loss provision to assets | -0.1000% | 4,576 |
| Net operating income to assets | -1.1366% | 4,629 |
| Return on assets (ROA) | -2.0728% | 4,647 |
| Pretax return on assets | -2.8768% | 4,648 |
| Return on Equity (ROE) | -57.9600% | 4,655 |
| Retained earnings to average equity (ytd only) | -57.9597% | 4,675 |
| Net charge-offs to loans | 0.0160% | 1,375 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,668 |
| Earnings coverage of net charge-offs (x) | -360.2000% | 4,693 |
| Efficiency ratio | 171.8673% | 31 |
| Assets per employee ($millions) | 6.6986% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2244% | 4,556 |
| Loan loss allowance to noncurrent loans | 103.4615% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 2,642 |
| Noncurrent loans to loans | 0.2169% | 2,393 |
| Net loans and leases to total assets | 31.3300% | 4,344 |
| Net loans and leases to deposits | 32.7984% | 4,396 |
| Net loans and leases to core deposits | 43.8025% | 4,176 |
| Total domestic deposits to total assets | 95.5200% | 69 |
| Equity capital to assets | 3.6240% | 4,569 |
| Core capital (leverage) ratio | 7.1213% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7089% | 1,717 |
| Memoranda: | ||
| Average total assets | $401,002,500 | 2,036 |
| Average earning assets | $361,134,000 | 2,063 |
| Average equity | $14,341,000 | 3,358 |
| Average total loans | $124,993,000 | 2,933 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0720% | 4,041 |
| Cost of funding earning assets | 0.4392% | 1,794 |
| Net interest margin | 2.6328% | 4,135 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.0667% | 3,394 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.4744% | 4,124 |
| Return on assets (ROA) | 0.0879% | 4,503 |
| Pretax return on assets | 0.0321% | 4,529 |
| Return on Equity (ROE) | 1.8600% | 4,402 |
| Retained earnings to average equity (ytd only) | 1.8644% | 4,008 |
| Net charge-offs to loans | 0.0325% | 1,423 |
| Credit loss provision to net charge-offs | 492.3077% | 685 |
| Earnings coverage of net charge-offs (x) | 48.6667% | 1,382 |
| Efficiency ratio | 79.8139% | 729 |
| Assets per employee ($millions) | 7.1218% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2467% | 4,570 |
| Loan loss allowance to noncurrent loans | 112.6316% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 2,523 |
| Noncurrent loans to loans | 0.2191% | 2,396 |
| Net loans and leases to total assets | 30.8800% | 4,368 |
| Net loans and leases to deposits | 33.9601% | 4,397 |
| Net loans and leases to core deposits | 40.7905% | 4,258 |
| Total domestic deposits to total assets | 90.9400% | 982 |
| Equity capital to assets | 3.5330% | 4,566 |
| Core capital (leverage) ratio | 7.4178% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6928% | 1,734 |
| Memoranda: | ||
| Average total assets | $407,471,000 | 2,002 |
| Average earning assets | $371,123,000 | 2,023 |
| Average equity | $19,201,600 | 3,017 |
| Average total loans | $120,011,000 | 2,920 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9631% | 3,957 |
| Cost of funding earning assets | 0.3181% | 1,982 |
| Net interest margin | 2.6450% | 4,035 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.8973% | 3,757 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5531% | 3,959 |
| Return on assets (ROA) | 0.4568% | 4,103 |
| Pretax return on assets | 0.5168% | 4,122 |
| Return on Equity (ROE) | 9.1000% | 3,001 |
| Retained earnings to average equity (ytd only) | 9.1008% | 1,615 |
| Net charge-offs to loans | 0.0204% | 1,423 |
| Credit loss provision to net charge-offs | 561.1111% | 571 |
| Earnings coverage of net charge-offs (x) | 111.1111% | 889 |
| Efficiency ratio | 72.4107% | 1,459 |
| Assets per employee ($millions) | 6.8054% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2078% | 4,619 |
| Loan loss allowance to noncurrent loans | 56.5315% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 2,260 |
| Noncurrent loans to loans | 0.3676% | 1,924 |
| Net loans and leases to total assets | 29.5200% | 4,434 |
| Net loans and leases to deposits | 31.4161% | 4,477 |
| Net loans and leases to core deposits | 36.9838% | 4,370 |
| Total domestic deposits to total assets | 93.9700% | 367 |
| Equity capital to assets | 3.5232% | 4,543 |
| Core capital (leverage) ratio | 7.5792% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9122% | 1,454 |
| Memoranda: | ||
| Average total assets | $404,292,250 | 2,027 |
| Average earning assets | $370,100,250 | 2,041 |
| Average equity | $20,290,750 | 2,969 |
| Average total loans | $117,490,250 | 2,953 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8732% | 3,846 |
| Cost of funding earning assets | 0.2756% | 1,948 |
| Net interest margin | 2.5976% | 3,918 |
| Noninterest income to average assets | 0.1017% | 4,475 |
| Noninterest expense to average assets | 1.9055% | 3,687 |
| Loan and lease loss provision to assets | 0.0318% | 2,019 |
| Net operating income to assets | 0.4929% | 3,911 |
| Return on assets (ROA) | 0.4606% | 3,935 |
| Pretax return on assets | 0.5192% | 3,961 |
| Return on Equity (ROE) | 8.3382% | 2,916 |
| Retained earnings to average equity (ytd only) | 8.3382% | 1,496 |
| Net charge-offs to loans | 0.0206% | 1,321 |
| Credit loss provision to net charge-offs | 533.3333% | 609 |
| Earnings coverage of net charge-offs (x) | 98.5833% | 822 |
| Efficiency ratio | 74.6117% | 1,439 |
| Assets per employee ($millions) | 6.4254% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1933% | 4,691 |
| Loan loss allowance to noncurrent loans | 21.2766% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 1,709 |
| Noncurrent loans to loans | 0.9087% | 921 |
| Net loans and leases to total assets | 29.4582% | 4,478 |
| Net loans and leases to deposits | 31.0087% | 4,527 |
| Net loans and leases to core deposits | 34.4814% | 4,468 |
| Total domestic deposits to total assets | 94.9998% | 145 |
| Equity capital to assets | 2.7596% | 4,702 |
| Core capital (leverage) ratio | 7.5270% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6190% | 1,533 |
| Memoranda: | ||
| Average total assets | $402,948,667 | 2,043 |
| Average earning assets | $370,876,000 | 2,061 |
| Average equity | $22,259,000 | 2,869 |
| Average total loans | $116,389,333 | 2,984 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7060% | 3,942 |
| Cost of funding earning assets | 0.2591% | 2,051 |
| Net interest margin | 2.4469% | 3,997 |
| Noninterest income to average assets | 0.1156% | 4,427 |
| Noninterest expense to average assets | 2.0386% | 3,329 |
| Loan and lease loss provision to assets | 0.0262% | 1,893 |
| Net operating income to assets | 0.3201% | 4,104 |
| Return on assets (ROA) | 0.2954% | 4,125 |
| Pretax return on assets | 0.3012% | 4,187 |
| Return on Equity (ROE) | 4.3322% | 3,798 |
| Retained earnings to average equity (ytd only) | 4.3322% | 2,830 |
| Net charge-offs to loans | 0.0136% | 1,275 |
| Credit loss provision to net charge-offs | 675.0000% | 435 |
| Earnings coverage of net charge-offs (x) | 90.7500% | 706 |
| Efficiency ratio | 83.3807% | 892 |
| Assets per employee ($millions) | 6.9352% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1655% | 4,723 |
| Loan loss allowance to noncurrent loans | 22.0300% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 1,135 |
| Noncurrent loans to loans | 0.7512% | 1,266 |
| Net loans and leases to total assets | 28.6460% | 4,486 |
| Net loans and leases to deposits | 30.7080% | 4,531 |
| Net loans and leases to core deposits | 34.8801% | 4,462 |
| Total domestic deposits to total assets | 93.2854% | 209 |
| Equity capital to assets | 5.1118% | 4,711 |
| Core capital (leverage) ratio | 7.2678% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5577% | 1,628 |
| Memoranda: | ||
| Average total assets | $411,661,500 | 2,013 |
| Average earning assets | $382,853,000 | 2,015 |
| Average equity | $28,069,000 | 2,603 |
| Average total loans | $117,690,000 | 2,961 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8436% | 4,140 |
| Cost of funding earning assets | 0.2534% | 2,883 |
| Net interest margin | 2.5902% | 4,063 |
| Noninterest income to average assets | 0.1241% | 4,517 |
| Noninterest expense to average assets | 2.2485% | 2,955 |
| Loan and lease loss provision to assets | 0.0347% | 2,359 |
| Net operating income to assets | 0.4179% | 4,247 |
| Return on assets (ROA) | 0.5132% | 4,107 |
| Pretax return on assets | 0.3848% | 4,412 |
| Return on Equity (ROE) | 5.0982% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.0982% | 2,746 |
| Net charge-offs to loans | 0.0804% | 1,000 |
| Credit loss provision to net charge-offs | 222.5000% | 1,242 |
| Earnings coverage of net charge-offs (x) | 20.7750% | 1,844 |
| Efficiency ratio | 85.1509% | 507 |
| Assets per employee ($millions) | 7.1369% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1400% | 4,762 |
| Loan loss allowance to noncurrent loans | 42.8571% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 1,564 |
| Noncurrent loans to loans | 0.3268% | 2,416 |
| Net loans and leases to total assets | 28.4493% | 4,555 |
| Net loans and leases to deposits | 31.7308% | 4,587 |
| Net loans and leases to core deposits | 36.0096% | 4,517 |
| Total domestic deposits to total assets | 89.6582% | 1,136 |
| Equity capital to assets | 8.4488% | 4,082 |
| Core capital (leverage) ratio | 7.2431% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9675% | 1,522 |
| Memoranda: | ||
| Average total assets | $256,259,800 | 2,684 |
| Average earning assets | $242,260,000 | 2,666 |
| Average equity | $25,793,600 | 2,795 |
| Average total loans | $49,735,000 | 4,003 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6660% | 4,442 |
| Cost of funding earning assets | 0.2293% | 3,334 |
| Net interest margin | 2.4367% | 4,359 |
| Noninterest income to average assets | 0.1364% | 4,518 |
| Noninterest expense to average assets | 1.9870% | 3,720 |
| Loan and lease loss provision to assets | 0.0330% | 2,337 |
| Net operating income to assets | 0.3676% | 4,423 |
| Return on assets (ROA) | 0.6566% | 3,931 |
| Pretax return on assets | 0.7651% | 3,951 |
| Return on Equity (ROE) | 6.0475% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.0475% | 2,796 |
| Net charge-offs to loans | 0.0124% | 1,871 |
| Credit loss provision to net charge-offs | 1,766.6667% | 356 |
| Earnings coverage of net charge-offs (x) | 248.3333% | 487 |
| Efficiency ratio | 78.5570% | 836 |
| Assets per employee ($millions) | 7.8635% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4909% | 4,714 |
| Loan loss allowance to noncurrent loans | 117.4825% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5930% | 1,290 |
| Noncurrent loans to loans | 0.4178% | 2,309 |
| Net loans and leases to total assets | 14.4363% | 4,831 |
| Net loans and leases to deposits | 17.6969% | 4,830 |
| Net loans and leases to core deposits | 24.0840% | 4,794 |
| Total domestic deposits to total assets | 81.5753% | 3,998 |
| Equity capital to assets | 15.0331% | 539 |
| Core capital (leverage) ratio | 16.7357% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8164% | 183 |
| Memoranda: | ||
| Average total assets | $215,055,000 | 2,981 |
| Average earning assets | $204,092,250 | 2,951 |
| Average equity | $23,348,000 | 2,989 |
| Average total loans | $32,178,250 | 4,396 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7791% | 4,374 |
| Cost of funding earning assets | 0.2648% | 3,138 |
| Net interest margin | 2.5143% | 4,284 |
| Noninterest income to average assets | 0.1355% | 4,522 |
| Noninterest expense to average assets | 1.9490% | 3,836 |
| Loan and lease loss provision to assets | -0.0221% | 4,437 |
| Net operating income to assets | 0.4871% | 4,246 |
| Return on assets (ROA) | 0.8755% | 3,365 |
| Pretax return on assets | 1.0581% | 3,312 |
| Return on Equity (ROE) | 9.4359% | 2,970 |
| Retained earnings to average equity (ytd only) | 9.4359% | 1,573 |
| Net charge-offs to loans | 0.0127% | 1,700 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,693 |
| Earnings coverage of net charge-offs (x) | 295.5000% | 378 |
| Efficiency ratio | 74.8377% | 1,175 |
| Assets per employee ($millions) | 7.2672% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3080% | 4,842 |
| Loan loss allowance to noncurrent loans | 64.5833% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 1,292 |
| Noncurrent loans to loans | 0.4769% | 2,246 |
| Net loans and leases to total assets | 13.8068% | 4,876 |
| Net loans and leases to deposits | 16.1459% | 4,877 |
| Net loans and leases to core deposits | 22.3099% | 4,846 |
| Total domestic deposits to total assets | 85.5129% | 2,907 |
| Equity capital to assets | 9.2333% | 3,578 |
| Core capital (leverage) ratio | 10.0391% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0812% | 796 |
| Memoranda: | ||
| Average total assets | $208,104,667 | 3,031 |
| Average earning assets | $197,111,667 | 3,010 |
| Average equity | $19,309,333 | 3,301 |
| Average total loans | $31,496,333 | 4,440 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8391% | 4,329 |
| Cost of funding earning assets | 0.3257% | 2,746 |
| Net interest margin | 2.5134% | 4,279 |
| Noninterest income to average assets | 0.1378% | 4,517 |
| Noninterest expense to average assets | -0.9195% | 4,978 |
| Loan and lease loss provision to assets | 0.0118% | 2,627 |
| Net operating income to assets | 2.6039% | 229 |
| Return on assets (ROA) | 3.3926% | 127 |
| Pretax return on assets | 4.4145% | 89 |
| Return on Equity (ROE) | 36.4675% | 79 |
| Retained earnings to average equity (ytd only) | 36.4675% | 47 |
| Net charge-offs to loans | -0.0124% | 3,765 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -39.3250% | 4,975 |
| Assets per employee ($millions) | 6.9989% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3860% | 4,836 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 1,503 |
| Noncurrent loans to loans | 0.0031% | 4,316 |
| Net loans and leases to total assets | 15.8937% | 4,887 |
| Net loans and leases to deposits | 18.8165% | 4,889 |
| Net loans and leases to core deposits | 26.8126% | 4,840 |
| Total domestic deposits to total assets | 84.4669% | 3,292 |
| Equity capital to assets | 8.9281% | 3,754 |
| Core capital (leverage) ratio | 10.6789% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1321% | 574 |
| Memoranda: | ||
| Average total assets | $203,149,500 | 3,062 |
| Average earning assets | $191,609,500 | 3,045 |
| Average equity | $18,899,000 | 3,341 |
| Average total loans | $32,147,500 | 4,446 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2913% | 4,344 |
| Cost of funding earning assets | 0.6711% | 1,870 |
| Net interest margin | 2.6202% | 4,474 |
| Noninterest income to average assets | 0.1239% | 4,655 |
| Noninterest expense to average assets | 2.4172% | 3,092 |
| Loan and lease loss provision to assets | 0.0396% | 3,911 |
| Net operating income to assets | 0.1062% | 4,664 |
| Return on assets (ROA) | 1.2011% | 1,657 |
| Pretax return on assets | 1.5207% | 1,269 |
| Return on Equity (ROE) | 13.5167% | 917 |
| Retained earnings to average equity (ytd only) | 13.5167% | 216 |
| Net charge-offs to loans | 0.0537% | 2,017 |
| Credit loss provision to net charge-offs | 506.6667% | 1,241 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,860 |
| Efficiency ratio | 90.5585% | 360 |
| Assets per employee ($millions) | 7.2619% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3698% | 4,872 |
| Loan loss allowance to noncurrent loans | 210.7143% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 1,676 |
| Noncurrent loans to loans | 0.1755% | 3,584 |
| Net loans and leases to total assets | 15.6360% | 4,910 |
| Net loans and leases to deposits | 18.6943% | 4,911 |
| Net loans and leases to core deposits | 26.8929% | 4,876 |
| Total domestic deposits to total assets | 83.6405% | 3,224 |
| Equity capital to assets | 9.6773% | 3,434 |
| Core capital (leverage) ratio | 9.6926% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7908% | 796 |
| Memoranda: | ||
| Average total assets | $192,080,400 | 3,012 |
| Average earning assets | $180,900,800 | 2,992 |
| Average equity | $17,067,800 | 3,448 |
| Average total loans | $27,937,200 | 4,559 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3993% | 4,350 |
| Cost of funding earning assets | 0.7429% | 1,785 |
| Net interest margin | 2.6564% | 4,521 |
| Noninterest income to average assets | 0.1205% | 4,681 |
| Noninterest expense to average assets | 2.3374% | 3,323 |
| Loan and lease loss provision to assets | 0.0386% | 3,866 |
| Net operating income to assets | 0.1828% | 4,616 |
| Return on assets (ROA) | 1.6097% | 779 |
| Pretax return on assets | 2.0493% | 472 |
| Return on Equity (ROE) | 18.5592% | 320 |
| Retained earnings to average equity (ytd only) | 18.5592% | 100 |
| Net charge-offs to loans | 0.0693% | 1,626 |
| Credit loss provision to net charge-offs | 392.8571% | 1,481 |
| Earnings coverage of net charge-offs (x) | 28.5714% | 1,632 |
| Efficiency ratio | 86.4981% | 477 |
| Assets per employee ($millions) | 7.0460% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3297% | 4,923 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 2,009 |
| Noncurrent loans to loans | 0.1799% | 3,663 |
| Net loans and leases to total assets | 14.6456% | 4,960 |
| Net loans and leases to deposits | 17.3828% | 4,963 |
| Net loans and leases to core deposits | 23.6166% | 4,932 |
| Total domestic deposits to total assets | 84.2533% | 2,729 |
| Equity capital to assets | 9.0004% | 4,121 |
| Core capital (leverage) ratio | 9.7646% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5978% | 822 |
| Memoranda: | ||
| Average total assets | $189,267,500 | 3,020 |
| Average earning assets | $178,033,250 | 3,003 |
| Average equity | $16,415,500 | 3,516 |
| Average total loans | $26,943,750 | 4,606 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5096% | 4,395 |
| Cost of funding earning assets | 0.8522% | 1,591 |
| Net interest margin | 2.6574% | 4,603 |
| Noninterest income to average assets | 0.1216% | 4,695 |
| Noninterest expense to average assets | 2.5195% | 2,909 |
| Loan and lease loss provision to assets | 0.1237% | 2,793 |
| Net operating income to assets | -0.0223% | 4,800 |
| Return on assets (ROA) | 1.0942% | 2,108 |
| Pretax return on assets | 1.3829% | 1,768 |
| Return on Equity (ROE) | 12.7943% | 1,151 |
| Retained earnings to average equity (ytd only) | 12.7943% | 380 |
| Net charge-offs to loans | 0.0772% | 1,474 |
| Credit loss provision to net charge-offs | 1,140.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 2,275 |
| Efficiency ratio | 93.6020% | 305 |
| Assets per employee ($millions) | 6.9439% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5247% | 4,811 |
| Loan loss allowance to noncurrent loans | 152.8302% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 1,466 |
| Noncurrent loans to loans | 0.3433% | 3,167 |
| Net loans and leases to total assets | 15.7965% | 4,985 |
| Net loans and leases to deposits | 18.7583% | 4,986 |
| Net loans and leases to core deposits | 27.7211% | 4,945 |
| Total domestic deposits to total assets | 84.2107% | 2,675 |
| Equity capital to assets | 8.7163% | 4,338 |
| Core capital (leverage) ratio | 9.8042% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8275% | 791 |
| Memoranda: | ||
| Average total assets | $184,245,000 | 3,041 |
| Average earning assets | $172,725,667 | 3,027 |
| Average equity | $15,757,000 | 3,576 |
| Average total loans | $25,916,667 | 4,651 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3733% | 4,755 |
| Cost of funding earning assets | 1.0046% | 1,395 |
| Net interest margin | 2.3687% | 4,894 |
| Noninterest income to average assets | 0.1228% | 4,745 |
| Noninterest expense to average assets | 2.9383% | 2,031 |
| Loan and lease loss provision to assets | 0.0179% | 3,572 |
| Net operating income to assets | -0.4818% | 4,926 |
| Return on assets (ROA) | 0.5783% | 3,725 |
| Pretax return on assets | 0.7301% | 3,597 |
| Return on Equity (ROE) | 6.8329% | 3,014 |
| Retained earnings to average equity (ytd only) | 6.8329% | 1,598 |
| Net charge-offs to loans | 0.0341% | 1,721 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | -133.0000% | 2,573 |
| Efficiency ratio | 122.0952% | 101 |
| Assets per employee ($millions) | 7.3539% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2862% | 4,998 |
| Loan loss allowance to noncurrent loans | 77.1084% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 1,273 |
| Noncurrent loans to loans | 0.3711% | 3,157 |
| Net loans and leases to total assets | 12.1291% | 5,051 |
| Net loans and leases to deposits | 13.7444% | 5,053 |
| Net loans and leases to core deposits | 19.7811% | 5,029 |
| Total domestic deposits to total assets | 88.2478% | 997 |
| Equity capital to assets | 7.9757% | 4,975 |
| Core capital (leverage) ratio | 9.6799% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0765% | 1,137 |
| Memoranda: | ||
| Average total assets | $179,153,000 | 3,051 |
| Average earning assets | $168,026,000 | 3,033 |
| Average equity | $15,162,000 | 3,647 |
| Average total loans | $23,437,500 | 4,735 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 4,413 |
| Cost of funding earning assets | 1.1053% | 1,300 |
| Net interest margin | 2.8069% | 4,756 |
| Noninterest income to average assets | 0.0799% | 4,974 |
| Noninterest expense to average assets | 2.5256% | 3,379 |
| Loan and lease loss provision to assets | 0.0176% | 3,663 |
| Net operating income to assets | 0.1642% | 4,874 |
| Return on assets (ROA) | 2.0596% | 315 |
| Pretax return on assets | 2.5372% | 197 |
| Return on Equity (ROE) | 22.5420% | 129 |
| Retained earnings to average equity (ytd only) | 10.4842% | 405 |
| Net charge-offs to loans | 0.0220% | 2,974 |
| Credit loss provision to net charge-offs | 640.0000% | 489 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 808 |
| Efficiency ratio | 89.4472% | 370 |
| Assets per employee ($millions) | 6.7260% | 1,164 |
| Cash dividends to net income (ytd only)* | 53.4902% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2366% | 5,076 |
| Loan loss allowance to noncurrent loans | 69.8795% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.5960% | 609 |
| Noncurrent loans to loans | 0.3386% | 3,231 |
| Net loans and leases to total assets | 13.9837% | 5,105 |
| Net loans and leases to deposits | 16.0007% | 5,111 |
| Net loans and leases to core deposits | 19.7882% | 5,095 |
| Total domestic deposits to total assets | 87.3944% | 1,408 |
| Equity capital to assets | 9.1934% | 4,575 |
| Core capital (leverage) ratio | 9.3510% | 4,224 |
| Tier 1 risk-based capital ratio | 18.8545% | 1,554 |
| Total risk-based capital ratio | 18.9193% | 1,800 |
| Memoranda: | ||
| Average total assets | $181,541,000 | 3,007 |
| Average earning assets | $172,076,200 | 2,961 |
| Average equity | $16,586,800 | 3,485 |
| Average total loans | $22,688,200 | 4,812 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 4,444 |
| Cost of funding earning assets | 1.1044% | 1,333 |
| Net interest margin | 2.8538% | 4,806 |
| Noninterest income to average assets | 0.1033% | 4,975 |
| Noninterest expense to average assets | 2.7640% | 2,677 |
| Loan and lease loss provision to assets | 0.0153% | 3,601 |
| Net operating income to assets | 0.0189% | 5,057 |
| Return on assets (ROA) | 2.0042% | 411 |
| Pretax return on assets | 2.2881% | 380 |
| Return on Equity (ROE) | 21.9687% | 164 |
| Retained earnings to average equity (ytd only) | 6.0147% | 2,366 |
| Net charge-offs to loans | 0.0360% | 2,363 |
| Credit loss provision to net charge-offs | 350.0000% | 859 |
| Earnings coverage of net charge-offs (x) | 10.8325% | 2,474 |
| Efficiency ratio | 95.6769% | 205 |
| Assets per employee ($millions) | 7.4211% | 870 |
| Cash dividends to net income (ytd only)* | 72.6216% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2019% | 5,160 |
| Loan loss allowance to noncurrent loans | 40.7080% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9847% | 1,370 |
| Noncurrent loans to loans | 0.4960% | 2,809 |
| Net loans and leases to total assets | 11.7824% | 5,195 |
| Net loans and leases to deposits | 13.8976% | 5,199 |
| Net loans and leases to core deposits | 16.9398% | 5,182 |
| Total domestic deposits to total assets | 84.7804% | 2,513 |
| Equity capital to assets | 9.4595% | 4,489 |
| Core capital (leverage) ratio | 8.4277% | 4,973 |
| Tier 1 risk-based capital ratio | 16.7933% | 2,150 |
| Total risk-based capital ratio | 16.8430% | 2,544 |
| Memoranda: | ||
| Average total assets | $183,207,500 | 3,011 |
| Average earning assets | $173,847,250 | 2,973 |
| Average equity | $16,714,250 | 3,497 |
| Average total loans | $22,232,250 | 4,890 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 4,243 |
| Cost of funding earning assets | 1.1382% | 1,171 |
| Net interest margin | 2.9275% | 4,784 |
| Noninterest income to average assets | 0.1311% | 4,921 |
| Noninterest expense to average assets | 2.2083% | 4,208 |
| Loan and lease loss provision to assets | 0.0178% | 3,435 |
| Net operating income to assets | 0.5839% | 4,348 |
| Return on assets (ROA) | 2.4616% | 167 |
| Pretax return on assets | 2.8117% | 156 |
| Return on Equity (ROE) | 27.3429% | 62 |
| Retained earnings to average equity (ytd only) | 21.1707% | 49 |
| Net charge-offs to loans | 0.0181% | 2,511 |
| Credit loss provision to net charge-offs | 800.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 257 |
| Efficiency ratio | 73.4405% | 1,707 |
| Assets per employee ($millions) | 6.7159% | 1,129 |
| Cash dividends to net income (ytd only)* | 22.5734% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2055% | 5,214 |
| Loan loss allowance to noncurrent loans | 42.2018% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 1,836 |
| Noncurrent loans to loans | 0.4869% | 2,821 |
| Net loans and leases to total assets | 12.3201% | 5,242 |
| Net loans and leases to deposits | 13.9051% | 5,248 |
| Net loans and leases to core deposits | 17.4752% | 5,230 |
| Total domestic deposits to total assets | 88.6019% | 825 |
| Equity capital to assets | 10.3315% | 3,666 |
| Core capital (leverage) ratio | 9.1316% | 4,523 |
| Tier 1 risk-based capital ratio | 18.9995% | 1,558 |
| Total risk-based capital ratio | 19.0526% | 1,809 |
| Memoranda: | ||
| Average total assets | $179,960,670 | 3,056 |
| Average earning assets | $170,450,670 | 3,014 |
| Average equity | $16,201,670 | 3,549 |
| Average total loans | $22,049,670 | 4,936 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 3,929 |
| Cost of funding earning assets | 1.1116% | 1,149 |
| Net interest margin | 3.0676% | 4,643 |
| Noninterest income to average assets | 0.1249% | 4,982 |
| Noninterest expense to average assets | 2.5079% | 3,487 |
| Loan and lease loss provision to assets | 0.0112% | 3,287 |
| Net operating income to assets | 0.7742% | 3,705 |
| Return on assets (ROA) | 0.7519% | 3,812 |
| Pretax return on assets | 0.4775% | 4,734 |
| Return on Equity (ROE) | 9.0255% | 2,800 |
| Retained earnings to average equity (ytd only) | -4.3654% | 4,894 |
| Net charge-offs to loans | -0.0183% | 4,453 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5617% | 1,001 |
| Assets per employee ($millions) | 6.6705% | 1,159 |
| Cash dividends to net income (ytd only)* | 148.3680% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1620% | 5,290 |
| Loan loss allowance to noncurrent loans | 124.1379% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 4,644 |
| Noncurrent loans to loans | 0.1305% | 4,152 |
| Net loans and leases to total assets | 11.8785% | 5,305 |
| Net loans and leases to deposits | 13.1844% | 5,306 |
| Net loans and leases to core deposits | 18.6456% | 5,288 |
| Total domestic deposits to total assets | 90.0950% | 414 |
| Equity capital to assets | 9.0719% | 4,633 |
| Core capital (leverage) ratio | 8.1949% | 5,142 |
| Tier 1 risk-based capital ratio | 15.7584% | 2,543 |
| Total risk-based capital ratio | 15.7974% | 3,009 |
| Memoranda: | ||
| Average total assets | $179,276,500 | 3,097 |
| Average earning assets | $169,125,000 | 3,063 |
| Average equity | $14,935,500 | 3,705 |
| Average total loans | $21,881,500 | 4,997 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 3,054 |
| Cost of funding earning assets | 0.8321% | 1,377 |
| Net interest margin | 3.4849% | 3,755 |
| Noninterest income to average assets | 0.1606% | 4,919 |
| Noninterest expense to average assets | 2.5155% | 3,566 |
| Loan and lease loss provision to assets | 0.0102% | 3,922 |
| Net operating income to assets | 0.8977% | 3,444 |
| Return on assets (ROA) | 0.8213% | 3,727 |
| Pretax return on assets | 0.8164% | 4,124 |
| Return on Equity (ROE) | 10.3577% | 2,365 |
| Retained earnings to average equity (ytd only) | 10.3577% | 555 |
| Net charge-offs to loans | 0.0320% | 2,761 |
| Credit loss provision to net charge-offs | 242.8571% | 1,218 |
| Earnings coverage of net charge-offs (x) | 214.4286% | 432 |
| Efficiency ratio | 71.1897% | 2,019 |
| Assets per employee ($millions) | 6.8711% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1439% | 5,336 |
| Loan loss allowance to noncurrent loans | 43.0556% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,642 |
| Noncurrent loans to loans | 0.3342% | 3,352 |
| Net loans and leases to total assets | 12.5220% | 5,345 |
| Net loans and leases to deposits | 14.0419% | 5,347 |
| Net loans and leases to core deposits | 19.5608% | 5,328 |
| Total domestic deposits to total assets | 89.1756% | 790 |
| Equity capital to assets | 7.5254% | 5,278 |
| Core capital (leverage) ratio | 8.3933% | 5,071 |
| Tier 1 risk-based capital ratio | 16.0893% | 2,378 |
| Total risk-based capital ratio | 16.1233% | 2,825 |
| Memoranda: | ||
| Average total assets | $166,209,400 | 3,207 |
| Average earning assets | $155,386,200 | 3,181 |
| Average equity | $13,178,600 | 3,859 |
| Average total loans | $21,900,400 | 5,031 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 2,994 |
| Cost of funding earning assets | 0.7759% | 1,445 |
| Net interest margin | 3.5160% | 3,641 |
| Noninterest income to average assets | 0.1788% | 4,890 |
| Noninterest expense to average assets | 2.2675% | 4,175 |
| Loan and lease loss provision to assets | 0.0202% | 3,602 |
| Net operating income to assets | 1.3582% | 1,631 |
| Return on assets (ROA) | 1.2555% | 2,032 |
| Pretax return on assets | 1.0767% | 3,480 |
| Return on Equity (ROE) | 15.6272% | 763 |
| Retained earnings to average equity (ytd only) | 15.6272% | 155 |
| Net charge-offs to loans | 0.0303% | 2,488 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 296.4438% | 314 |
| Efficiency ratio | 63.0191% | 3,332 |
| Assets per employee ($millions) | 7.1895% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1994% | 5,397 |
| Loan loss allowance to noncurrent loans | 32.2835% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 4,623 |
| Noncurrent loans to loans | 0.6177% | 2,541 |
| Net loans and leases to total assets | 11.4161% | 5,421 |
| Net loans and leases to deposits | 12.3153% | 5,429 |
| Net loans and leases to core deposits | 17.3562% | 5,407 |
| Total domestic deposits to total assets | 92.6988% | 49 |
| Equity capital to assets | 6.4856% | 5,426 |
| Core capital (leverage) ratio | 8.5046% | 5,095 |
| Tier 1 risk-based capital ratio | 16.3384% | 2,321 |
| Total risk-based capital ratio | 16.3822% | 2,748 |
| Memoranda: | ||
| Average total assets | $164,817,250 | 3,246 |
| Average earning assets | $154,148,250 | 3,222 |
| Average equity | $13,241,500 | 3,880 |
| Average total loans | $21,990,250 | 5,092 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 3,439 |
| Cost of funding earning assets | 0.6954% | 1,647 |
| Net interest margin | 3.4065% | 3,935 |
| Noninterest income to average assets | 0.1498% | 5,075 |
| Noninterest expense to average assets | 2.2512% | 4,256 |
| Loan and lease loss provision to assets | 0.0012% | 3,772 |
| Net operating income to assets | 1.2854% | 1,839 |
| Return on assets (ROA) | 1.1918% | 2,233 |
| Pretax return on assets | 1.0008% | 3,658 |
| Return on Equity (ROE) | 13.6004% | 1,180 |
| Retained earnings to average equity (ytd only) | 13.6004% | 314 |
| Net charge-offs to loans | 0.0518% | 1,862 |
| Credit loss provision to net charge-offs | 16.6667% | 2,706 |
| Earnings coverage of net charge-offs (x) | 146.3333% | 528 |
| Efficiency ratio | 64.5041% | 3,245 |
| Assets per employee ($millions) | 6.1700% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0772% | 5,479 |
| Loan loss allowance to noncurrent loans | 4.6575% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 3,904 |
| Noncurrent loans to loans | 1.6573% | 965 |
| Net loans and leases to total assets | 13.2103% | 5,481 |
| Net loans and leases to deposits | 14.9342% | 5,485 |
| Net loans and leases to core deposits | 20.9588% | 5,460 |
| Total domestic deposits to total assets | 88.4567% | 1,165 |
| Equity capital to assets | 8.0413% | 5,210 |
| Core capital (leverage) ratio | 8.8919% | 4,797 |
| Tier 1 risk-based capital ratio | 16.6158% | 2,221 |
| Total risk-based capital ratio | 16.6346% | 2,622 |
| Memoranda: | ||
| Average total assets | $160,266,670 | 3,320 |
| Average earning assets | $150,417,330 | 3,288 |
| Average equity | $14,043,670 | 3,792 |
| Average total loans | $23,148,670 | 5,116 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 3,634 |
| Cost of funding earning assets | 0.5858% | 2,135 |
| Net interest margin | 3.4062% | 3,865 |
| Noninterest income to average assets | 0.5678% | 2,430 |
| Noninterest expense to average assets | 2.3831% | 3,992 |
| Loan and lease loss provision to assets | -0.0153% | 5,420 |
| Net operating income to assets | 1.4182% | 1,292 |
| Return on assets (ROA) | 1.4334% | 1,252 |
| Pretax return on assets | 1.4131% | 1,962 |
| Return on Equity (ROE) | 15.6743% | 674 |
| Retained earnings to average equity (ytd only) | 15.6743% | 269 |
| Net charge-offs to loans | 0.0675% | 1,434 |
| Credit loss provision to net charge-offs | -150.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | 135.7500% | 477 |
| Efficiency ratio | 60.7843% | 3,971 |
| Assets per employee ($millions) | 5.9606% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0499% | 5,548 |
| Loan loss allowance to noncurrent loans | 2.9973% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 4,000 |
| Noncurrent loans to loans | 1.6650% | 1,032 |
| Net loans and leases to total assets | 13.2004% | 5,541 |
| Net loans and leases to deposits | 15.3522% | 5,542 |
| Net loans and leases to core deposits | 21.2494% | 5,517 |
| Total domestic deposits to total assets | 85.9841% | 2,543 |
| Equity capital to assets | 7.8564% | 5,307 |
| Core capital (leverage) ratio | 9.0650% | 4,611 |
| Tier 1 risk-based capital ratio | 15.9698% | 2,488 |
| Total risk-based capital ratio | 15.9819% | 2,932 |
| Memoranda: | ||
| Average total assets | $157,105,000 | 3,392 |
| Average earning assets | $147,494,000 | 3,367 |
| Average equity | $14,367,500 | 3,790 |
| Average total loans | $23,711,000 | 5,153 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 4,449 |
| Cost of funding earning assets | 0.3117% | 4,024 |
| Net interest margin | 3.3386% | 4,043 |
| Noninterest income to average assets | 0.3216% | 4,161 |
| Noninterest expense to average assets | 3.2593% | 1,462 |
| Loan and lease loss provision to assets | 0.0216% | 3,870 |
| Net operating income to assets | 0.3440% | 4,843 |
| Return on assets (ROA) | 1.3944% | 1,049 |
| Pretax return on assets | 1.1450% | 3,000 |
| Return on Equity (ROE) | 14.4978% | 689 |
| Retained earnings to average equity (ytd only) | 14.4978% | 93 |
| Net charge-offs to loans | 0.0282% | 3,249 |
| Credit loss provision to net charge-offs | 362.5000% | 813 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 2,020 |
| Efficiency ratio | 93.2951% | 315 |
| Assets per employee ($millions) | 5.2612% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0827% | 5,605 |
| Loan loss allowance to noncurrent loans | 5.5703% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 3,858 |
| Noncurrent loans to loans | 1.4854% | 1,149 |
| Net loans and leases to total assets | 17.2142% | 5,582 |
| Net loans and leases to deposits | 19.6010% | 5,594 |
| Net loans and leases to core deposits | 26.3287% | 5,561 |
| Total domestic deposits to total assets | 87.8233% | 1,596 |
| Equity capital to assets | 10.6052% | 3,047 |
| Core capital (leverage) ratio | 10.0346% | 3,415 |
| Tier 1 risk-based capital ratio | 15.7342% | 2,542 |
| Total risk-based capital ratio | 15.7576% | 3,005 |
| Memoranda: | ||
| Average total assets | $134,321,600 | 3,688 |
| Average earning assets | $122,865,800 | 3,699 |
| Average equity | $12,919,200 | 3,995 |
| Average total loans | $28,344,000 | 5,062 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 4,010 |
| Cost of funding earning assets | 0.2844% | 4,273 |
| Net interest margin | 3.5172% | 3,440 |
| Noninterest income to average assets | 0.3367% | 4,122 |
| Noninterest expense to average assets | 3.3660% | 1,212 |
| Loan and lease loss provision to assets | 0.0387% | 3,334 |
| Net operating income to assets | 0.5686% | 4,513 |
| Return on assets (ROA) | 0.7680% | 3,710 |
| Pretax return on assets | 0.3265% | 5,284 |
| Return on Equity (ROE) | 8.2220% | 3,012 |
| Retained earnings to average equity (ytd only) | 8.2220% | 1,124 |
| Net charge-offs to loans | 0.0963% | 1,819 |
| Credit loss provision to net charge-offs | 180.9524% | 1,463 |
| Earnings coverage of net charge-offs (x) | 7.7618% | 2,843 |
| Efficiency ratio | 92.1083% | 341 |
| Assets per employee ($millions) | 4.8005% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0648% | 5,676 |
| Loan loss allowance to noncurrent loans | 4.1262% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 3,918 |
| Noncurrent loans to loans | 1.5702% | 1,184 |
| Net loans and leases to total assets | 18.2071% | 5,648 |
| Net loans and leases to deposits | 20.9059% | 5,653 |
| Net loans and leases to core deposits | 26.0887% | 5,631 |
| Total domestic deposits to total assets | 87.0909% | 1,832 |
| Equity capital to assets | 10.4135% | 3,464 |
| Core capital (leverage) ratio | 9.0544% | 4,681 |
| Tier 1 risk-based capital ratio | 17.5387% | 2,000 |
| Total risk-based capital ratio | 17.5613% | 2,328 |
| Memoranda: | ||
| Average total assets | $131,073,500 | 3,769 |
| Average earning assets | $119,068,500 | 3,802 |
| Average equity | $12,243,250 | 4,137 |
| Average total loans | $29,085,000 | 5,102 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6285% | 4,434 |
| Cost of funding earning assets | 0.2398% | 4,640 |
| Net interest margin | 3.3888% | 3,811 |
| Noninterest income to average assets | 0.4576% | 3,305 |
| Noninterest expense to average assets | 3.2739% | 1,423 |
| Loan and lease loss provision to assets | 0.0678% | 2,616 |
| Net operating income to assets | 0.5617% | 4,465 |
| Return on assets (ROA) | 0.7526% | 3,684 |
| Pretax return on assets | 0.3392% | 5,285 |
| Return on Equity (ROE) | 8.4236% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.4236% | 1,024 |
| Net charge-offs to loans | 0.1731% | 1,134 |
| Credit loss provision to net charge-offs | 165.3846% | 1,432 |
| Earnings coverage of net charge-offs (x) | 5.2692% | 2,839 |
| Efficiency ratio | 90.4611% | 429 |
| Assets per employee ($millions) | 4.6631% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0627% | 5,723 |
| Loan loss allowance to noncurrent loans | 3.6481% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 3,792 |
| Noncurrent loans to loans | 1.7198% | 1,056 |
| Net loans and leases to total assets | 19.3569% | 5,686 |
| Net loans and leases to deposits | 22.2481% | 5,695 |
| Net loans and leases to core deposits | 29.9586% | 5,643 |
| Total domestic deposits to total assets | 87.0051% | 1,953 |
| Equity capital to assets | 9.9447% | 3,980 |
| Core capital (leverage) ratio | 9.0312% | 4,689 |
| Tier 1 risk-based capital ratio | 16.2938% | 2,396 |
| Total risk-based capital ratio | 16.3163% | 2,834 |
| Memoranda: | ||
| Average total assets | $126,759,670 | 3,857 |
| Average earning assets | $113,434,000 | 3,916 |
| Average equity | $11,325,330 | 4,306 |
| Average total loans | $30,034,000 | 5,113 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4020% | 4,918 |
| Cost of funding earning assets | 0.0868% | 5,699 |
| Net interest margin | 3.3152% | 3,955 |
| Noninterest income to average assets | 0.3727% | 3,862 |
| Noninterest expense to average assets | 3.2947% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4903% | 4,638 |
| Return on assets (ROA) | 0.4626% | 4,752 |
| Pretax return on assets | -0.0433% | 5,619 |
| Return on Equity (ROE) | 5.5423% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.5423% | 2,574 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2626% | 312 |
| Assets per employee ($millions) | 4.3346% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 3,654 |
| Noncurrent loans to loans | 1.7229% | 1,116 |
| Net loans and leases to total assets | 22.5323% | 5,719 |
| Net loans and leases to deposits | 28.3631% | 5,700 |
| Net loans and leases to core deposits | 31.0482% | 5,680 |
| Total domestic deposits to total assets | 79.4422% | 4,725 |
| Equity capital to assets | 10.0578% | 3,685 |
| Core capital (leverage) ratio | 10.5257% | 2,873 |
| Tier 1 risk-based capital ratio | 14.8507% | 3,047 |
| Total risk-based capital ratio | 14.8507% | 3,633 |
| Memoranda: | ||
| Average total assets | $120,193,000 | 3,994 |
| Average earning assets | $105,936,500 | 4,084 |
| Average equity | $10,032,000 | 4,538 |
| Average total loans | $31,503,000 | 5,111 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1573% | 5,830 |
| Cost of funding earning assets | 0.1333% | 5,529 |
| Net interest margin | 2.0241% | 5,800 |
| Noninterest income to average assets | 0.3703% | 4,098 |
| Noninterest expense to average assets | 1.9227% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2255% | 5,365 |
| Return on assets (ROA) | 0.2264% | 5,430 |
| Pretax return on assets | 0.2264% | 5,467 |
| Return on Equity (ROE) | 2.1991% | 5,357 |
| Retained earnings to average equity (ytd only) | -42.8526% | 5,897 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5034% | 588 |
| Assets per employee ($millions) | 6.0359% | 1,454 |
| Cash dividends to net income (ytd only)* | 2,048.6590% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 5,094 |
| Loan loss allowance to noncurrent loans | 63.5535% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 3,738 |
| Noncurrent loans to loans | 1.2658% | 1,621 |
| Net loans and leases to total assets | 29.9986% | 5,643 |
| Net loans and leases to deposits | 39.5596% | 5,562 |
| Net loans and leases to core deposits | 39.7016% | 5,605 |
| Total domestic deposits to total assets | 75.8314% | 5,257 |
| Equity capital to assets | 6.4709% | 5,837 |
| Core capital (leverage) ratio | 6.3433% | 5,846 |
| Tier 1 risk-based capital ratio | 13.0062% | 4,077 |
| Total risk-based capital ratio | 13.4990% | 4,418 |
| Memoranda: | ||
| Average total assets | $115,307,800 | 4,076 |
| Average earning assets | $101,282,000 | 4,180 |
| Average equity | $11,868,600 | 4,268 |
| Average total loans | $34,153,000 | 5,064 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1855% | 5,894 |
| Cost of funding earning assets | 0.1327% | 5,597 |
| Net interest margin | 2.0528% | 5,860 |
| Noninterest income to average assets | 0.3626% | 4,186 |
| Noninterest expense to average assets | 1.8395% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3268% | 5,220 |
| Return on assets (ROA) | 0.3256% | 5,305 |
| Pretax return on assets | 0.3256% | 5,419 |
| Return on Equity (ROE) | 2.8966% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.8966% | 4,162 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9147% | 911 |
| Assets per employee ($millions) | 6.2073% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 5,004 |
| Loan loss allowance to noncurrent loans | 85.3211% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 4,388 |
| Noncurrent loans to loans | 1.0102% | 2,222 |
| Net loans and leases to total assets | 25.8502% | 5,800 |
| Net loans and leases to deposits | 33.7857% | 5,759 |
| Net loans and leases to core deposits | 33.7857% | 5,783 |
| Total domestic deposits to total assets | 76.5123% | 5,167 |
| Equity capital to assets | 10.5698% | 3,488 |
| Core capital (leverage) ratio | 10.8037% | 2,683 |
| Tier 1 risk-based capital ratio | 20.3453% | 1,383 |
| Total risk-based capital ratio | 20.8014% | 1,504 |
| Memoranda: | ||
| Average total assets | $115,464,250 | 4,100 |
| Average earning assets | $101,452,000 | 4,203 |
| Average equity | $12,980,500 | 4,126 |
| Average total loans | $34,020,750 | 5,115 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2558% | 5,962 |
| Cost of funding earning assets | 0.1338% | 5,657 |
| Net interest margin | 2.1221% | 5,925 |
| Noninterest income to average assets | 0.4300% | 3,662 |
| Noninterest expense to average assets | 1.8797% | 5,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4104% | 5,004 |
| Return on assets (ROA) | 0.4104% | 5,088 |
| Pretax return on assets | 0.4104% | 5,328 |
| Return on Equity (ROE) | 3.5722% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.5722% | 3,618 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0791% | 1,259 |
| Assets per employee ($millions) | 5.7362% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 5,110 |
| Loan loss allowance to noncurrent loans | 66.7464% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 3,961 |
| Noncurrent loans to loans | 1.2824% | 1,768 |
| Net loans and leases to total assets | 29.6501% | 5,788 |
| Net loans and leases to deposits | 40.7395% | 5,664 |
| Net loans and leases to core deposits | 40.7395% | 5,719 |
| Total domestic deposits to total assets | 72.7796% | 5,616 |
| Equity capital to assets | 12.0821% | 2,073 |
| Core capital (leverage) ratio | 11.3687% | 2,084 |
| Tier 1 risk-based capital ratio | 20.2783% | 1,392 |
| Total risk-based capital ratio | 20.7348% | 1,534 |
| Memoranda: | ||
| Average total assets | $112,570,330 | 4,174 |
| Average earning assets | $98,677,670 | 4,294 |
| Average equity | $12,933,330 | 4,157 |
| Average total loans | $34,570,670 | 5,153 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3113% | 6,019 |
| Cost of funding earning assets | 0.1293% | 5,757 |
| Net interest margin | 2.1820% | 5,971 |
| Noninterest income to average assets | 0.3568% | 4,174 |
| Noninterest expense to average assets | 1.9062% | 5,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3393% | 5,185 |
| Return on assets (ROA) | 0.3393% | 5,274 |
| Pretax return on assets | 0.3393% | 5,435 |
| Return on Equity (ROE) | 3.0275% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.0275% | 3,999 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8910% | 1,076 |
| Assets per employee ($millions) | 6.0516% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 5,257 |
| Loan loss allowance to noncurrent loans | 75.2022% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 4,277 |
| Noncurrent loans to loans | 1.1162% | 2,167 |
| Net loans and leases to total assets | 28.6650% | 5,858 |
| Net loans and leases to deposits | 38.5652% | 5,758 |
| Net loans and leases to core deposits | 38.5652% | 5,807 |
| Total domestic deposits to total assets | 74.3286% | 5,586 |
| Equity capital to assets | 11.2637% | 2,663 |
| Core capital (leverage) ratio | 10.9058% | 2,495 |
| Tier 1 risk-based capital ratio | 19.1889% | 1,689 |
| Total risk-based capital ratio | 19.6330% | 1,844 |
| Memoranda: | ||
| Average total assets | $114,361,500 | 4,176 |
| Average earning assets | $98,992,000 | 4,320 |
| Average equity | $12,816,000 | 4,190 |
| Average total loans | $35,559,000 | 5,161 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4501% | 6,015 |
| Cost of funding earning assets | 0.1287% | 5,826 |
| Net interest margin | 2.3214% | 5,936 |
| Noninterest income to average assets | 0.3199% | 4,606 |
| Noninterest expense to average assets | 1.9211% | 5,587 |
| Loan and lease loss provision to assets | 0.0053% | 4,283 |
| Net operating income to assets | 0.3911% | 5,078 |
| Return on assets (ROA) | 0.3911% | 5,159 |
| Pretax return on assets | 0.3911% | 5,336 |
| Return on Equity (ROE) | 3.5039% | 5,140 |
| Retained earnings to average equity (ytd only) | 0.2362% | 5,419 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8972% | 1,283 |
| Assets per employee ($millions) | 5.6872% | 1,626 |
| Cash dividends to net income (ytd only)* | 93.2584% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7365% | 5,566 |
| Loan loss allowance to noncurrent loans | 65.1869% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 4,088 |
| Noncurrent loans to loans | 1.1299% | 2,080 |
| Net loans and leases to total assets | 33.0579% | 5,806 |
| Net loans and leases to deposits | 44.8576% | 5,622 |
| Net loans and leases to core deposits | 44.8576% | 5,687 |
| Total domestic deposits to total assets | 73.6951% | 5,677 |
| Equity capital to assets | 11.1488% | 2,677 |
| Core capital (leverage) ratio | 10.7647% | 2,643 |
| Tier 1 risk-based capital ratio | 18.1541% | 1,919 |
| Total risk-based capital ratio | 18.5731% | 2,128 |
| Memoranda: | ||
| Average total assets | $113,791,600 | 4,182 |
| Average earning assets | $97,916,200 | 4,336 |
| Average equity | $12,700,000 | 4,188 |
| Average total loans | $37,077,000 | 5,119 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4449% | 6,108 |
| Cost of funding earning assets | 0.1285% | 5,925 |
| Net interest margin | 2.3164% | 6,025 |
| Noninterest income to average assets | 0.2952% | 4,829 |
| Noninterest expense to average assets | 1.8980% | 5,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3831% | 5,220 |
| Return on assets (ROA) | 0.3831% | 5,303 |
| Pretax return on assets | 0.3831% | 5,495 |
| Return on Equity (ROE) | 3.4317% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.4317% | 4,029 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2049% | 1,241 |
| Assets per employee ($millions) | 6.0345% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 5,558 |
| Loan loss allowance to noncurrent loans | 102.6316% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 4,886 |
| Noncurrent loans to loans | 0.7649% | 3,054 |
| Net loans and leases to total assets | 28.5865% | 6,016 |
| Net loans and leases to deposits | 37.7894% | 5,934 |
| Net loans and leases to core deposits | 37.7894% | 5,978 |
| Total domestic deposits to total assets | 75.6467% | 5,546 |
| Equity capital to assets | 10.6861% | 3,375 |
| Core capital (leverage) ratio | 10.6901% | 2,839 |
| Tier 1 risk-based capital ratio | 20.6834% | 1,404 |
| Total risk-based capital ratio | 21.1210% | 1,544 |
| Memoranda: | ||
| Average total assets | $113,803,750 | 4,225 |
| Average earning assets | $97,563,000 | 4,392 |
| Average equity | $12,704,750 | 4,237 |
| Average total loans | $36,876,250 | 5,180 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4858% | 6,170 |
| Cost of funding earning assets | 0.1316% | 5,973 |
| Net interest margin | 2.3542% | 6,068 |
| Noninterest income to average assets | 0.3390% | 4,529 |
| Noninterest expense to average assets | 1.9604% | 5,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4000% | 5,136 |
| Return on assets (ROA) | 0.4000% | 5,242 |
| Pretax return on assets | 0.4000% | 5,467 |
| Return on Equity (ROE) | 3.5283% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.5283% | 3,779 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0547% | 1,363 |
| Assets per employee ($millions) | 5.5352% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7635% | 5,684 |
| Loan loss allowance to noncurrent loans | 67.9104% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 4,441 |
| Noncurrent loans to loans | 1.1243% | 2,403 |
| Net loans and leases to total assets | 32.0533% | 5,976 |
| Net loans and leases to deposits | 44.2604% | 5,755 |
| Net loans and leases to core deposits | 44.2604% | 5,828 |
| Total domestic deposits to total assets | 72.4199% | 5,916 |
| Equity capital to assets | 11.5038% | 2,408 |
| Core capital (leverage) ratio | 11.4791% | 2,011 |
| Tier 1 risk-based capital ratio | 19.7931% | 1,601 |
| Total risk-based capital ratio | 20.2152% | 1,771 |
| Memoranda: | ||
| Average total assets | $111,508,330 | 4,309 |
| Average earning assets | $95,742,000 | 4,478 |
| Average equity | $12,640,670 | 4,274 |
| Average total loans | $37,577,000 | 5,201 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4636% | 6,236 |
| Cost of funding earning assets | 0.1297% | 6,066 |
| Net interest margin | 2.3339% | 6,140 |
| Noninterest income to average assets | 0.4361% | 3,724 |
| Noninterest expense to average assets | 2.0016% | 5,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4289% | 4,948 |
| Return on assets (ROA) | 0.4289% | 5,073 |
| Pretax return on assets | 0.4289% | 5,366 |
| Return on Equity (ROE) | 3.8115% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.8115% | 3,722 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3529% | 1,575 |
| Assets per employee ($millions) | 5.6060% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 5,772 |
| Loan loss allowance to noncurrent loans | 95.4545% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 4,767 |
| Noncurrent loans to loans | 0.8020% | 3,237 |
| Net loans and leases to total assets | 31.5647% | 6,016 |
| Net loans and leases to deposits | 44.2585% | 5,748 |
| Net loans and leases to core deposits | 44.2585% | 5,834 |
| Total domestic deposits to total assets | 71.3189% | 6,071 |
| Equity capital to assets | 11.3567% | 2,591 |
| Core capital (leverage) ratio | 11.2974% | 2,157 |
| Tier 1 risk-based capital ratio | 19.1177% | 1,836 |
| Total risk-based capital ratio | 19.5288% | 2,025 |
| Memoranda: | ||
| Average total assets | $111,911,000 | 4,332 |
| Average earning assets | $95,634,000 | 4,518 |
| Average equity | $12,593,500 | 4,304 |
| Average total loans | $38,487,000 | 5,196 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5948% | 6,301 |
| Cost of funding earning assets | 0.1449% | 6,125 |
| Net interest margin | 2.4499% | 6,194 |
| Noninterest income to average assets | 0.3938% | 4,235 |
| Noninterest expense to average assets | 1.9095% | 5,920 |
| Loan and lease loss provision to assets | 0.0052% | 4,511 |
| Net operating income to assets | 0.5427% | 4,629 |
| Return on assets (ROA) | 0.5427% | 4,715 |
| Pretax return on assets | 0.5427% | 5,127 |
| Return on Equity (ROE) | 5.1138% | 4,603 |
| Retained earnings to average equity (ytd only) | 1.3865% | 5,149 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7034% | 2,251 |
| Assets per employee ($millions) | 5.5852% | 1,699 |
| Cash dividends to net income (ytd only)* | 72.8868% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 6,058 |
| Loan loss allowance to noncurrent loans | 93.4932% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 4,771 |
| Noncurrent loans to loans | 0.7068% | 3,560 |
| Net loans and leases to total assets | 36.7385% | 5,912 |
| Net loans and leases to deposits | 50.5064% | 5,559 |
| Net loans and leases to core deposits | 50.5064% | 5,695 |
| Total domestic deposits to total assets | 72.7402% | 6,036 |
| Equity capital to assets | 11.1492% | 2,750 |
| Core capital (leverage) ratio | 11.3954% | 2,058 |
| Tier 1 risk-based capital ratio | 23.3254% | 1,028 |
| Total risk-based capital ratio | 23.8317% | 1,128 |
| Memoranda: | ||
| Average total assets | $115,527,800 | 4,266 |
| Average earning assets | $97,311,400 | 4,469 |
| Average equity | $12,261,000 | 4,313 |
| Average total loans | $37,961,400 | 5,258 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5602% | 6,389 |
| Cost of funding earning assets | 0.1470% | 6,199 |
| Net interest margin | 2.4132% | 6,287 |
| Noninterest income to average assets | 0.3972% | 4,263 |
| Noninterest expense to average assets | 1.8909% | 5,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5357% | 4,737 |
| Return on assets (ROA) | 0.5357% | 4,807 |
| Pretax return on assets | 0.5357% | 5,220 |
| Return on Equity (ROE) | 5.1093% | 4,672 |
| Retained earnings to average equity (ytd only) | 5.1093% | 3,012 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9245% | 2,189 |
| Assets per employee ($millions) | 5.7611% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6989% | 6,103 |
| Loan loss allowance to noncurrent loans | 107.2289% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 5,350 |
| Noncurrent loans to loans | 0.6517% | 3,984 |
| Net loans and leases to total assets | 32.9260% | 6,153 |
| Net loans and leases to deposits | 44.5637% | 5,944 |
| Net loans and leases to core deposits | 44.5637% | 6,016 |
| Total domestic deposits to total assets | 73.8852% | 6,026 |
| Equity capital to assets | 10.9528% | 3,002 |
| Core capital (leverage) ratio | 11.2326% | 2,284 |
| Tier 1 risk-based capital ratio | 24.4758% | 935 |
| Total risk-based capital ratio | 24.9834% | 1,000 |
| Memoranda: | ||
| Average total assets | $116,484,000 | 4,293 |
| Average earning assets | $97,960,500 | 4,497 |
| Average equity | $12,212,750 | 4,342 |
| Average total loans | $37,124,000 | 5,337 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5528% | 6,462 |
| Cost of funding earning assets | 0.1537% | 6,247 |
| Net interest margin | 2.3991% | 6,363 |
| Noninterest income to average assets | 0.4688% | 3,729 |
| Noninterest expense to average assets | 1.8665% | 6,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6056% | 4,332 |
| Return on assets (ROA) | 0.6056% | 4,431 |
| Pretax return on assets | 0.6056% | 4,941 |
| Return on Equity (ROE) | 5.8624% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.8624% | 2,409 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5017% | 2,722 |
| Assets per employee ($millions) | 6.1268% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 6,072 |
| Loan loss allowance to noncurrent loans | 105.1383% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 5,189 |
| Noncurrent loans to loans | 0.7200% | 3,900 |
| Net loans and leases to total assets | 29.9579% | 6,306 |
| Net loans and leases to deposits | 40.9685% | 6,110 |
| Net loans and leases to core deposits | 40.9685% | 6,192 |
| Total domestic deposits to total assets | 73.1243% | 6,178 |
| Equity capital to assets | 10.7860% | 3,107 |
| Core capital (leverage) ratio | 11.0992% | 2,334 |
| Tier 1 risk-based capital ratio | 24.6066% | 917 |
| Total risk-based capital ratio | 25.1196% | 980 |
| Memoranda: | ||
| Average total assets | $116,904,670 | 4,306 |
| Average earning assets | $97,618,670 | 4,538 |
| Average equity | $12,077,000 | 4,381 |
| Average total loans | $36,763,670 | 5,382 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5265% | 6,543 |
| Cost of funding earning assets | 0.1554% | 6,327 |
| Net interest margin | 2.3712% | 6,437 |
| Noninterest income to average assets | 0.4439% | 3,833 |
| Noninterest expense to average assets | 1.8574% | 6,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5668% | 4,366 |
| Return on assets (ROA) | 0.5668% | 4,445 |
| Pretax return on assets | 0.5668% | 4,948 |
| Return on Equity (ROE) | 5.6093% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.6093% | 2,733 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6197% | 2,710 |
| Assets per employee ($millions) | 6.2293% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 6,142 |
| Loan loss allowance to noncurrent loans | 131.5271% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 5,413 |
| Noncurrent loans to loans | 0.5949% | 4,373 |
| Net loans and leases to total assets | 28.6078% | 6,398 |
| Net loans and leases to deposits | 39.0409% | 6,201 |
| Net loans and leases to core deposits | 40.2312% | 6,223 |
| Total domestic deposits to total assets | 73.2764% | 6,291 |
| Equity capital to assets | 10.1921% | 3,608 |
| Core capital (leverage) ratio | 10.6929% | 2,706 |
| Tier 1 risk-based capital ratio | 24.3928% | 947 |
| Total risk-based capital ratio | 24.9108% | 1,032 |
| Memoranda: | ||
| Average total assets | $117,152,000 | 4,334 |
| Average earning assets | $97,841,500 | 4,573 |
| Average equity | $11,837,500 | 4,437 |
| Average total loans | $37,575,500 | 5,403 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7880% | 6,502 |
| Cost of funding earning assets | 0.2178% | 6,194 |
| Net interest margin | 2.5702% | 6,299 |
| Noninterest income to average assets | 0.4317% | 4,221 |
| Noninterest expense to average assets | 2.0008% | 6,023 |
| Loan and lease loss provision to assets | -0.0236% | 6,309 |
| Net operating income to assets | 0.6243% | 4,141 |
| Return on assets (ROA) | 0.6243% | 4,258 |
| Pretax return on assets | 0.6243% | 4,791 |
| Return on Equity (ROE) | 5.7572% | 4,237 |
| Retained earnings to average equity (ytd only) | 1.7361% | 5,001 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9101% | 2,636 |
| Assets per employee ($millions) | 6.1025% | 1,203 |
| Cash dividends to net income (ytd only)* | 69.8457% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6508% | 6,417 |
| Loan loss allowance to noncurrent loans | 186.7133% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 5,955 |
| Noncurrent loans to loans | 0.3486% | 5,141 |
| Net loans and leases to total assets | 35.1520% | 6,239 |
| Net loans and leases to deposits | 48.4160% | 5,873 |
| Net loans and leases to core deposits | 50.6657% | 5,892 |
| Total domestic deposits to total assets | 72.6041% | 6,380 |
| Equity capital to assets | 10.0148% | 3,750 |
| Core capital (leverage) ratio | 10.5058% | 2,912 |
| Tier 1 risk-based capital ratio | 22.3967% | 1,192 |
| Total risk-based capital ratio | 22.8786% | 1,292 |
| Memoranda: | ||
| Average total assets | $114,201,600 | 4,404 |
| Average earning assets | $96,412,800 | 4,609 |
| Average equity | $12,384,400 | 4,379 |
| Average total loans | $38,497,000 | 5,412 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7569% | 6,598 |
| Cost of funding earning assets | 0.2254% | 6,259 |
| Net interest margin | 2.5315% | 6,402 |
| Noninterest income to average assets | 0.4149% | 4,412 |
| Noninterest expense to average assets | 1.9970% | 6,015 |
| Loan and lease loss provision to assets | -0.0457% | 6,545 |
| Net operating income to assets | 0.6094% | 4,308 |
| Return on assets (ROA) | 0.6094% | 4,435 |
| Pretax return on assets | 0.6094% | 4,983 |
| Return on Equity (ROE) | 5.5124% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.5124% | 2,716 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9863% | 2,420 |
| Assets per employee ($millions) | 6.3511% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6816% | 6,464 |
| Loan loss allowance to noncurrent loans | 137.2973% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 5,475 |
| Noncurrent loans to loans | 0.4964% | 4,954 |
| Net loans and leases to total assets | 30.6727% | 6,509 |
| Net loans and leases to deposits | 42.1042% | 6,296 |
| Net loans and leases to core deposits | 43.8641% | 6,309 |
| Total domestic deposits to total assets | 72.8493% | 6,441 |
| Equity capital to assets | 9.6046% | 4,409 |
| Core capital (leverage) ratio | 10.9907% | 2,491 |
| Tier 1 risk-based capital ratio | 23.0120% | 1,145 |
| Total risk-based capital ratio | 23.4718% | 1,258 |
| Memoranda: | ||
| Average total assets | $113,765,000 | 4,457 |
| Average earning assets | $96,434,000 | 4,660 |
| Average equity | $12,577,500 | 4,384 |
| Average total loans | $37,865,000 | 5,482 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7949% | 6,613 |
| Cost of funding earning assets | 0.2427% | 6,230 |
| Net interest margin | 2.5522% | 6,386 |
| Noninterest income to average assets | 0.4611% | 4,086 |
| Noninterest expense to average assets | 1.9971% | 6,051 |
| Loan and lease loss provision to assets | -0.0718% | 6,674 |
| Net operating income to assets | 0.6872% | 3,866 |
| Return on assets (ROA) | 0.6872% | 4,037 |
| Pretax return on assets | 0.6872% | 4,725 |
| Return on Equity (ROE) | 5.9349% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.9349% | 2,475 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4423% | 2,717 |
| Assets per employee ($millions) | 5.7061% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6812% | 6,523 |
| Loan loss allowance to noncurrent loans | 85.5219% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 5,668 |
| Noncurrent loans to loans | 0.7965% | 4,319 |
| Net loans and leases to total assets | 34.1573% | 6,405 |
| Net loans and leases to deposits | 50.3275% | 5,815 |
| Net loans and leases to core deposits | 51.0878% | 5,955 |
| Total domestic deposits to total assets | 67.8701% | 6,719 |
| Equity capital to assets | 11.6689% | 2,160 |
| Core capital (leverage) ratio | 10.5715% | 2,800 |
| Tier 1 risk-based capital ratio | 24.2686% | 967 |
| Total risk-based capital ratio | 24.7588% | 1,040 |
| Memoranda: | ||
| Average total assets | $111,463,000 | 4,549 |
| Average earning assets | $93,958,330 | 4,756 |
| Average equity | $12,906,670 | 4,354 |
| Average total loans | $38,064,330 | 5,505 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7882% | 6,686 |
| Cost of funding earning assets | 0.2613% | 6,213 |
| Net interest margin | 2.5269% | 6,471 |
| Noninterest income to average assets | 0.3399% | 4,975 |
| Noninterest expense to average assets | 1.9365% | 6,215 |
| Loan and lease loss provision to assets | -0.1664% | 6,883 |
| Net operating income to assets | 0.6585% | 3,909 |
| Return on assets (ROA) | 0.6585% | 4,072 |
| Pretax return on assets | 0.6585% | 4,761 |
| Return on Equity (ROE) | 5.7079% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.7079% | 2,834 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7376% | 2,374 |
| Assets per employee ($millions) | 6.3428% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 6,613 |
| Loan loss allowance to noncurrent loans | 75.7669% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 5,751 |
| Noncurrent loans to loans | 0.9133% | 4,308 |
| Net loans and leases to total assets | 29.4132% | 6,626 |
| Net loans and leases to deposits | 40.3256% | 6,404 |
| Net loans and leases to core deposits | 40.7446% | 6,453 |
| Total domestic deposits to total assets | 72.9392% | 6,602 |
| Equity capital to assets | 10.8211% | 3,175 |
| Core capital (leverage) ratio | 10.3911% | 2,914 |
| Tier 1 risk-based capital ratio | 23.1392% | 1,134 |
| Total risk-based capital ratio | 23.6009% | 1,246 |
| Memoranda: | ||
| Average total assets | $112,986,500 | 4,554 |
| Average earning assets | $93,394,000 | 4,814 |
| Average equity | $13,034,500 | 4,376 |
| Average total loans | $38,453,500 | 5,532 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9656% | 6,786 |
| Cost of funding earning assets | 0.3004% | 6,449 |
| Net interest margin | 2.6651% | 6,569 |
| Noninterest income to average assets | 0.5899% | 3,338 |
| Noninterest expense to average assets | 2.2332% | 5,849 |
| Loan and lease loss provision to assets | -0.0925% | 6,920 |
| Net operating income to assets | 0.8499% | 3,047 |
| Return on assets (ROA) | 0.8528% | 3,276 |
| Pretax return on assets | 0.8528% | 4,094 |
| Return on Equity (ROE) | 6.7287% | 3,795 |
| Retained earnings to average equity (ytd only) | 2.7422% | 4,310 |
| Net charge-offs to loans | -0.0127% | 6,500 |
| Credit loss provision to net charge-offs | 1,900.0000% | 120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6745% | 2,953 |
| Assets per employee ($millions) | 5.2730% | 1,930 |
| Cash dividends to net income (ytd only)* | 59.2466% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7109% | 6,620 |
| Loan loss allowance to noncurrent loans | 90.1538% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 5,749 |
| Noncurrent loans to loans | 0.7886% | 4,604 |
| Net loans and leases to total assets | 38.8018% | 6,245 |
| Net loans and leases to deposits | 56.5053% | 5,393 |
| Net loans and leases to core deposits | 57.0974% | 5,625 |
| Total domestic deposits to total assets | 68.6693% | 6,834 |
| Equity capital to assets | 12.3536% | 1,822 |
| Core capital (leverage) ratio | 11.2439% | 2,057 |
| Tier 1 risk-based capital ratio | 23.1740% | 1,085 |
| Total risk-based capital ratio | 23.7309% | 1,160 |
| Memoranda: | ||
| Average total assets | $102,723,800 | 4,766 |
| Average earning assets | $92,529,200 | 4,795 |
| Average equity | $13,018,800 | 4,355 |
| Average total loans | $39,513,200 | 5,527 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9271% | 6,923 |
| Cost of funding earning assets | 0.3043% | 6,598 |
| Net interest margin | 2.6228% | 6,738 |
| Noninterest income to average assets | 0.5684% | 3,482 |
| Noninterest expense to average assets | 2.2069% | 5,935 |
| Loan and lease loss provision to assets | -0.1333% | 7,059 |
| Net operating income to assets | 0.8820% | 3,067 |
| Return on assets (ROA) | 0.8859% | 3,290 |
| Pretax return on assets | 0.8859% | 4,174 |
| Return on Equity (ROE) | 6.9449% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.9449% | 2,161 |
| Net charge-offs to loans | -0.0171% | 6,469 |
| Credit loss provision to net charge-offs | 2,040.0000% | 132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6684% | 2,878 |
| Assets per employee ($millions) | 5.5773% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 6,691 |
| Loan loss allowance to noncurrent loans | 87.1951% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 5,968 |
| Noncurrent loans to loans | 0.8562% | 4,704 |
| Net loans and leases to total assets | 34.0855% | 6,651 |
| Net loans and leases to deposits | 48.5854% | 6,226 |
| Net loans and leases to core deposits | 49.0562% | 6,344 |
| Total domestic deposits to total assets | 70.1558% | 6,832 |
| Equity capital to assets | 11.9296% | 2,321 |
| Core capital (leverage) ratio | 11.5804% | 1,928 |
| Tier 1 risk-based capital ratio | 24.2985% | 982 |
| Total risk-based capital ratio | 24.8539% | 1,055 |
| Memoranda: | ||
| Average total assets | $102,040,000 | 4,824 |
| Average earning assets | $92,876,250 | 4,828 |
| Average equity | $13,016,500 | 4,393 |
| Average total loans | $39,088,250 | 5,613 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9958% | 6,972 |
| Cost of funding earning assets | 0.3161% | 6,663 |
| Net interest margin | 2.6798% | 6,732 |
| Noninterest income to average assets | 0.6129% | 3,179 |
| Noninterest expense to average assets | 2.3000% | 5,739 |
| Loan and lease loss provision to assets | -0.2185% | 7,159 |
| Net operating income to assets | 0.9669% | 2,593 |
| Return on assets (ROA) | 0.9730% | 2,815 |
| Pretax return on assets | 0.9730% | 3,810 |
| Return on Equity (ROE) | 7.4460% | 3,551 |
| Retained earnings to average equity (ytd only) | 7.4460% | 1,901 |
| Net charge-offs to loans | -0.0254% | 6,484 |
| Credit loss provision to net charge-offs | 2,160.0000% | 141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4479% | 2,834 |
| Assets per employee ($millions) | 4.8182% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 6,748 |
| Loan loss allowance to noncurrent loans | 124.4444% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 6,186 |
| Noncurrent loans to loans | 0.6094% | 5,295 |
| Net loans and leases to total assets | 38.0260% | 6,477 |
| Net loans and leases to deposits | 54.3576% | 5,834 |
| Net loans and leases to core deposits | 56.6957% | 5,888 |
| Total domestic deposits to total assets | 69.9553% | 6,907 |
| Equity capital to assets | 13.6816% | 1,225 |
| Core capital (leverage) ratio | 12.2798% | 1,455 |
| Tier 1 risk-based capital ratio | 26.3146% | 779 |
| Total risk-based capital ratio | 26.9128% | 826 |
| Memoranda: | ||
| Average total assets | $98,871,330 | 4,924 |
| Average earning assets | $89,858,000 | 4,941 |
| Average equity | $12,919,670 | 4,408 |
| Average total loans | $39,348,670 | 5,634 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9656% | 7,053 |
| Cost of funding earning assets | 0.3246% | 6,754 |
| Net interest margin | 2.6409% | 6,844 |
| Noninterest income to average assets | 0.5593% | 3,504 |
| Noninterest expense to average assets | 2.3451% | 5,647 |
| Loan and lease loss provision to assets | -0.4315% | 7,249 |
| Net operating income to assets | 1.0507% | 2,283 |
| Return on assets (ROA) | 1.0507% | 2,473 |
| Pretax return on assets | 1.0507% | 3,500 |
| Return on Equity (ROE) | 8.2268% | 3,181 |
| Retained earnings to average equity (ytd only) | 8.2268% | 1,892 |
| Net charge-offs to loans | -0.0493% | 6,527 |
| Credit loss provision to net charge-offs | 2,160.0000% | 142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1105% | 2,329 |
| Assets per employee ($millions) | 4.6185% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 6,785 |
| Loan loss allowance to noncurrent loans | 245.6140% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 6,600 |
| Noncurrent loans to loans | 0.3143% | 6,052 |
| Net loans and leases to total assets | 35.4263% | 6,660 |
| Net loans and leases to deposits | 49.6134% | 6,167 |
| Net loans and leases to core deposits | 51.4060% | 6,249 |
| Total domestic deposits to total assets | 71.4048% | 6,910 |
| Equity capital to assets | 12.6112% | 1,654 |
| Core capital (leverage) ratio | 11.7195% | 1,755 |
| Tier 1 risk-based capital ratio | 25.7536% | 827 |
| Total risk-based capital ratio | 26.3496% | 881 |
| Memoranda: | ||
| Average total assets | $100,125,500 | 4,932 |
| Average earning assets | $91,179,500 | 4,930 |
| Average equity | $12,787,500 | 4,442 |
| Average total loans | $40,561,500 | 5,619 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3368% | 7,083 |
| Cost of funding earning assets | 0.4403% | 6,765 |
| Net interest margin | 2.8964% | 6,697 |
| Noninterest income to average assets | 0.5835% | 3,269 |
| Noninterest expense to average assets | 2.4328% | 5,691 |
| Loan and lease loss provision to assets | 0.0191% | 6,331 |
| Net operating income to assets | 0.7236% | 3,370 |
| Return on assets (ROA) | 0.7276% | 3,521 |
| Pretax return on assets | 0.7276% | 4,228 |
| Return on Equity (ROE) | 5.9119% | 3,916 |
| Retained earnings to average equity (ytd only) | 3.8730% | 3,452 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6106% | 2,811 |
| Assets per employee ($millions) | 4.2888% | 3,280 |
| Cash dividends to net income (ytd only)* | 34.4875% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 6,632 |
| Loan loss allowance to noncurrent loans | 195.9184% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 6,462 |
| Noncurrent loans to loans | 0.4370% | 5,836 |
| Net loans and leases to total assets | 45.0747% | 6,102 |
| Net loans and leases to deposits | 62.3561% | 5,193 |
| Net loans and leases to core deposits | 66.4688% | 5,208 |
| Total domestic deposits to total assets | 72.2859% | 6,857 |
| Equity capital to assets | 12.9365% | 1,524 |
| Core capital (leverage) ratio | 11.5751% | 1,831 |
| Tier 1 risk-based capital ratio | 22.5790% | 1,151 |
| Total risk-based capital ratio | 23.3116% | 1,203 |
| Memoranda: | ||
| Average total assets | $99,228,200 | 4,907 |
| Average earning assets | $88,798,600 | 4,972 |
| Average equity | $12,212,600 | 4,501 |
| Average total loans | $42,423,800 | 5,586 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 7,174 |
| Cost of funding earning assets | 0.4638% | 6,841 |
| Net interest margin | 2.8399% | 6,839 |
| Noninterest income to average assets | 0.5353% | 3,616 |
| Noninterest expense to average assets | 2.4070% | 5,749 |
| Loan and lease loss provision to assets | 0.0255% | 6,134 |
| Net operating income to assets | 0.6333% | 3,952 |
| Return on assets (ROA) | 0.6386% | 4,113 |
| Pretax return on assets | 0.6386% | 4,692 |
| Return on Equity (ROE) | 5.2557% | 4,422 |
| Retained earnings to average equity (ytd only) | 5.2557% | 3,026 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5120% | 2,478 |
| Assets per employee ($millions) | 4.8192% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 6,786 |
| Loan loss allowance to noncurrent loans | 198.9637% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 6,599 |
| Noncurrent loans to loans | 0.4102% | 6,025 |
| Net loans and leases to total assets | 44.0188% | 6,330 |
| Net loans and leases to deposits | 59.5866% | 5,682 |
| Net loans and leases to core deposits | 61.6741% | 5,842 |
| Total domestic deposits to total assets | 73.8736% | 6,772 |
| Equity capital to assets | 12.0163% | 2,240 |
| Core capital (leverage) ratio | 11.6582% | 1,915 |
| Tier 1 risk-based capital ratio | 22.1414% | 1,262 |
| Total risk-based capital ratio | 22.8595% | 1,320 |
| Memoranda: | ||
| Average total assets | $99,374,500 | 4,941 |
| Average earning assets | $88,545,250 | 5,006 |
| Average equity | $12,075,500 | 4,548 |
| Average total loans | $41,818,000 | 5,654 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 7,242 |
| Cost of funding earning assets | 0.5040% | 6,831 |
| Net interest margin | 2.8254% | 6,891 |
| Noninterest income to average assets | 0.5805% | 3,260 |
| Noninterest expense to average assets | 2.5011% | 5,532 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5949% | 4,089 |
| Return on assets (ROA) | 0.5949% | 4,223 |
| Pretax return on assets | 0.5949% | 4,754 |
| Return on Equity (ROE) | 4.8760% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.8760% | 3,074 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7846% | 2,264 |
| Assets per employee ($millions) | 4.0712% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 6,569 |
| Loan loss allowance to noncurrent loans | 292.0000% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 6,754 |
| Noncurrent loans to loans | 0.3198% | 6,271 |
| Net loans and leases to total assets | 41.3518% | 6,638 |
| Net loans and leases to deposits | 59.8470% | 5,741 |
| Net loans and leases to core deposits | 62.2534% | 5,881 |
| Total domestic deposits to total assets | 69.0959% | 7,151 |
| Equity capital to assets | 12.9627% | 1,534 |
| Core capital (leverage) ratio | 11.9816% | 1,609 |
| Tier 1 risk-based capital ratio | 24.6431% | 937 |
| Total risk-based capital ratio | 25.4151% | 964 |
| Memoranda: | ||
| Average total assets | $97,158,330 | 5,044 |
| Average earning assets | $86,499,670 | 5,114 |
| Average equity | $11,854,000 | 4,591 |
| Average total loans | $40,072,670 | 5,794 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2996% | 7,311 |
| Cost of funding earning assets | 0.5279% | 6,872 |
| Net interest margin | 2.7717% | 6,947 |
| Noninterest income to average assets | 0.4286% | 4,465 |
| Noninterest expense to average assets | 2.5071% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3842% | 5,016 |
| Return on assets (ROA) | 0.3842% | 5,102 |
| Pretax return on assets | 0.3842% | 5,390 |
| Return on Equity (ROE) | 3.2445% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.2445% | 4,231 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7133% | 1,640 |
| Assets per employee ($millions) | 4.1863% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 6,632 |
| Loan loss allowance to noncurrent loans | 289.6825% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 6,853 |
| Noncurrent loans to loans | 0.3196% | 6,353 |
| Net loans and leases to total assets | 38.8749% | 6,850 |
| Net loans and leases to deposits | 54.2766% | 6,266 |
| Net loans and leases to core deposits | 56.0285% | 6,409 |
| Total domestic deposits to total assets | 71.6237% | 7,102 |
| Equity capital to assets | 11.8134% | 2,034 |
| Core capital (leverage) ratio | 11.0262% | 2,172 |
| Tier 1 risk-based capital ratio | 23.4022% | 1,038 |
| Total risk-based capital ratio | 24.1477% | 1,082 |
| Memoranda: | ||
| Average total assets | $98,918,500 | 5,027 |
| Average earning assets | $87,889,000 | 5,095 |
| Average equity | $11,712,000 | 4,621 |
| Average total loans | $40,566,000 | 5,824 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5552% | 7,367 |
| Cost of funding earning assets | 0.7848% | 6,629 |
| Net interest margin | 2.7704% | 7,064 |
| Noninterest income to average assets | 0.5295% | 3,960 |
| Noninterest expense to average assets | 2.5360% | 5,661 |
| Loan and lease loss provision to assets | 0.1053% | 6,092 |
| Net operating income to assets | 0.3817% | 4,630 |
| Return on assets (ROA) | 0.4191% | 4,595 |
| Pretax return on assets | 0.4201% | 4,883 |
| Return on Equity (ROE) | 3.5765% | 4,711 |
| Retained earnings to average equity (ytd only) | 2.8595% | 3,849 |
| Net charge-offs to loans | 0.0735% | 6,064 |
| Credit loss provision to net charge-offs | 358.6207% | 715 |
| Earnings coverage of net charge-offs (x) | 16.6207% | 1,199 |
| Efficiency ratio | 83.8634% | 1,936 |
| Assets per employee ($millions) | 4.0569% | 3,668 |
| Cash dividends to net income (ytd only)* | 20.0483% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 6,790 |
| Loan loss allowance to noncurrent loans | 289.6825% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 6,914 |
| Noncurrent loans to loans | 0.3021% | 6,448 |
| Net loans and leases to total assets | 42.4625% | 6,825 |
| Net loans and leases to deposits | 59.2992% | 6,124 |
| Net loans and leases to core deposits | 62.0622% | 6,232 |
| Total domestic deposits to total assets | 71.6071% | 7,120 |
| Equity capital to assets | 11.8676% | 1,992 |
| Core capital (leverage) ratio | 11.2628% | 1,976 |
| Tier 1 risk-based capital ratio | 22.2915% | 1,135 |
| Total risk-based capital ratio | 23.0077% | 1,184 |
| Memoranda: | ||
| Average total assets | $98,777,200 | 5,021 |
| Average earning assets | $88,939,400 | 5,054 |
| Average equity | $11,575,600 | 4,715 |
| Average total loans | $39,438,600 | 5,943 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5469% | 7,517 |
| Cost of funding earning assets | 0.8365% | 6,631 |
| Net interest margin | 2.7104% | 7,222 |
| Noninterest income to average assets | 0.4654% | 4,448 |
| Noninterest expense to average assets | 2.5030% | 5,710 |
| Loan and lease loss provision to assets | 0.0350% | 6,731 |
| Net operating income to assets | 0.3753% | 4,863 |
| Return on assets (ROA) | 0.4250% | 4,822 |
| Pretax return on assets | 0.4264% | 5,148 |
| Return on Equity (ROE) | 3.6381% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.6381% | 3,889 |
| Net charge-offs to loans | 0.0069% | 6,571 |
| Credit loss provision to net charge-offs | 1,300.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 152.8052% | 209 |
| Efficiency ratio | 85.8791% | 1,646 |
| Assets per employee ($millions) | 4.4197% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 7,058 |
| Loan loss allowance to noncurrent loans | 174.0331% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 6,910 |
| Noncurrent loans to loans | 0.4451% | 6,302 |
| Net loans and leases to total assets | 39.6978% | 7,090 |
| Net loans and leases to deposits | 55.2469% | 6,671 |
| Net loans and leases to core deposits | 59.1953% | 6,660 |
| Total domestic deposits to total assets | 71.8552% | 7,144 |
| Equity capital to assets | 11.9200% | 2,208 |
| Core capital (leverage) ratio | 11.4119% | 2,001 |
| Tier 1 risk-based capital ratio | 22.3085% | 1,163 |
| Total risk-based capital ratio | 22.9278% | 1,236 |
| Memoranda: | ||
| Average total assets | $99,130,000 | 5,075 |
| Average earning assets | $89,579,250 | 5,087 |
| Average equity | $11,580,750 | 4,787 |
| Average total loans | $38,871,000 | 6,047 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5582% | 7,592 |
| Cost of funding earning assets | 0.9047% | 6,560 |
| Net interest margin | 2.6535% | 7,301 |
| Noninterest income to average assets | 0.4578% | 4,456 |
| Noninterest expense to average assets | 2.5394% | 5,572 |
| Loan and lease loss provision to assets | 0.0407% | 6,561 |
| Net operating income to assets | 0.2877% | 5,228 |
| Return on assets (ROA) | 0.3622% | 5,083 |
| Pretax return on assets | 0.3642% | 5,329 |
| Return on Equity (ROE) | 3.1223% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.1223% | 4,124 |
| Net charge-offs to loans | 0.0105% | 6,204 |
| Credit loss provision to net charge-offs | 1,000.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 393 |
| Efficiency ratio | 88.5106% | 1,460 |
| Assets per employee ($millions) | 3.7247% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 7,085 |
| Loan loss allowance to noncurrent loans | 169.7802% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 6,908 |
| Noncurrent loans to loans | 0.4574% | 6,338 |
| Net loans and leases to total assets | 42.4036% | 7,016 |
| Net loans and leases to deposits | 59.9538% | 6,411 |
| Net loans and leases to core deposits | 64.7529% | 6,337 |
| Total domestic deposits to total assets | 70.7271% | 7,283 |
| Equity capital to assets | 12.6046% | 1,737 |
| Core capital (leverage) ratio | 11.4807% | 1,925 |
| Tier 1 risk-based capital ratio | 22.7508% | 1,095 |
| Total risk-based capital ratio | 23.3779% | 1,159 |
| Memoranda: | ||
| Average total assets | $98,289,000 | 5,130 |
| Average earning assets | $89,315,330 | 5,124 |
| Average equity | $11,402,000 | 4,832 |
| Average total loans | $38,271,670 | 6,125 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3542% | 7,746 |
| Cost of funding earning assets | 0.9317% | 6,652 |
| Net interest margin | 2.4225% | 7,517 |
| Noninterest income to average assets | 0.3767% | 5,124 |
| Noninterest expense to average assets | 2.4506% | 5,905 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1393% | 5,889 |
| Return on assets (ROA) | 0.1546% | 5,964 |
| Pretax return on assets | 0.1586% | 5,997 |
| Return on Equity (ROE) | 1.3886% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.3886% | 5,247 |
| Net charge-offs to loans | 0.0107% | 5,438 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 761 |
| Efficiency ratio | 94.4954% | 1,107 |
| Assets per employee ($millions) | 4.0102% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 7,230 |
| Loan loss allowance to noncurrent loans | 102.8470% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 6,779 |
| Noncurrent loans to loans | 0.7361% | 5,851 |
| Net loans and leases to total assets | 37.7900% | 7,355 |
| Net loans and leases to deposits | 55.0277% | 6,841 |
| Net loans and leases to core deposits | 60.8522% | 6,681 |
| Total domestic deposits to total assets | 68.6746% | 7,490 |
| Equity capital to assets | 11.4060% | 2,431 |
| Core capital (leverage) ratio | 10.8021% | 2,369 |
| Tier 1 risk-based capital ratio | 22.5883% | 1,137 |
| Total risk-based capital ratio | 23.1780% | 1,196 |
| Memoranda: | ||
| Average total assets | $100,875,000 | 5,120 |
| Average earning assets | $92,301,500 | 5,097 |
| Average equity | $11,234,500 | 4,912 |
| Average total loans | $37,510,500 | 6,235 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 7,508 |
| Cost of funding earning assets | 1.1568% | 6,806 |
| Net interest margin | 3.2088% | 6,061 |
| Noninterest income to average assets | 0.4537% | 4,774 |
| Noninterest expense to average assets | 2.6944% | 5,421 |
| Loan and lease loss provision to assets | 0.0129% | 7,362 |
| Net operating income to assets | 0.5356% | 3,586 |
| Return on assets (ROA) | 0.5356% | 3,678 |
| Pretax return on assets | 0.5356% | 4,091 |
| Return on Equity (ROE) | 4.3222% | 3,954 |
| Retained earnings to average equity (ytd only) | 1.2523% | 4,166 |
| Net charge-offs to loans | 0.0370% | 6,750 |
| Credit loss provision to net charge-offs | 85.7143% | 6,136 |
| Earnings coverage of net charge-offs (x) | 36.3571% | 650 |
| Efficiency ratio | 83.0841% | 2,465 |
| Assets per employee ($millions) | 4.2290% | 3,381 |
| Cash dividends to net income (ytd only)* | 71.0262% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 7,173 |
| Loan loss allowance to noncurrent loans | 101.3986% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 6,745 |
| Noncurrent loans to loans | 0.7762% | 5,720 |
| Net loans and leases to total assets | 36.0172% | 7,520 |
| Net loans and leases to deposits | 51.7248% | 7,159 |
| Net loans and leases to core deposits | 60.8547% | 7,234 |
| Total domestic deposits to total assets | 69.6323% | 7,453 |
| Equity capital to assets | 10.8714% | 2,801 |
| Core capital (leverage) ratio | 10.5694% | 2,531 |
| Tier 1 risk-based capital ratio | 22.9456% | 1,047 |
| Total risk-based capital ratio | 23.5487% | 1,097 |
| Memoranda: | ||
| Average total assets | $92,786,400 | 5,311 |
| Average earning assets | $80,652,800 | 5,435 |
| Average equity | $11,498,800 | 4,878 |
| Average total loans | $37,876,800 | 6,204 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6036% | 7,412 |
| Cost of funding earning assets | 1.2171% | 6,844 |
| Net interest margin | 3.3865% | 5,326 |
| Noninterest income to average assets | 0.4826% | 4,645 |
| Noninterest expense to average assets | 2.6045% | 5,699 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7769% | 2,907 |
| Return on assets (ROA) | 0.7769% | 2,969 |
| Pretax return on assets | 0.7769% | 3,605 |
| Return on Equity (ROE) | 6.0610% | 3,501 |
| Retained earnings to average equity (ytd only) | 6.0610% | 1,919 |
| Net charge-offs to loans | 0.0070% | 6,866 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 263.6629% | 142 |
| Efficiency ratio | 77.0235% | 3,319 |
| Assets per employee ($millions) | 4.6993% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7759% | 7,194 |
| Loan loss allowance to noncurrent loans | 202.7972% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 7,201 |
| Noncurrent loans to loans | 0.3826% | 6,579 |
| Net loans and leases to total assets | 35.8727% | 7,623 |
| Net loans and leases to deposits | 50.2418% | 7,398 |
| Net loans and leases to core deposits | 57.1818% | 7,500 |
| Total domestic deposits to total assets | 71.4001% | 7,289 |
| Equity capital to assets | 11.3072% | 2,744 |
| Core capital (leverage) ratio | 11.2293% | 2,240 |
| Tier 1 risk-based capital ratio | 23.4410% | 1,058 |
| Total risk-based capital ratio | 24.0365% | 1,105 |
| Memoranda: | ||
| Average total assets | $90,609,000 | 5,409 |
| Average earning assets | $77,560,500 | 5,572 |
| Average equity | $11,615,000 | 4,893 |
| Average total loans | $38,134,500 | 6,240 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 6,679 |
| Cost of funding earning assets | 1.2917% | 6,835 |
| Net interest margin | 3.7362% | 3,805 |
| Noninterest income to average assets | 0.4980% | 4,458 |
| Noninterest expense to average assets | 2.6358% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9774% | 2,189 |
| Return on assets (ROA) | 0.9774% | 2,281 |
| Pretax return on assets | 0.9774% | 3,092 |
| Return on Equity (ROE) | 7.2821% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.2821% | 1,474 |
| Net charge-offs to loans | 0.0052% | 6,535 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 422.0000% | 86 |
| Efficiency ratio | 72.9487% | 4,208 |
| Assets per employee ($millions) | 4.2470% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 7,191 |
| Loan loss allowance to noncurrent loans | 136.6197% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 6,931 |
| Noncurrent loans to loans | 0.5770% | 6,104 |
| Net loans and leases to total assets | 39.1992% | 7,586 |
| Net loans and leases to deposits | 56.2138% | 7,151 |
| Net loans and leases to core deposits | 67.3031% | 7,155 |
| Total domestic deposits to total assets | 69.7323% | 7,498 |
| Equity capital to assets | 12.2494% | 2,056 |
| Core capital (leverage) ratio | 12.8996% | 1,465 |
| Tier 1 risk-based capital ratio | 24.4092% | 988 |
| Total risk-based capital ratio | 25.0372% | 1,039 |
| Memoranda: | ||
| Average total assets | $86,350,330 | 5,573 |
| Average earning assets | $71,998,330 | 5,826 |
| Average equity | $11,590,000 | 4,925 |
| Average total loans | $38,387,000 | 6,276 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 6,486 |
| Cost of funding earning assets | 1.2876% | 7,057 |
| Net interest margin | 3.8628% | 3,203 |
| Noninterest income to average assets | 0.5603% | 3,832 |
| Noninterest expense to average assets | 2.6422% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3090% | 1,356 |
| Return on assets (ROA) | 1.3090% | 1,456 |
| Pretax return on assets | 1.3090% | 2,251 |
| Return on Equity (ROE) | 9.2947% | 2,611 |
| Retained earnings to average equity (ytd only) | 9.2947% | 1,400 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8704% | 5,168 |
| Assets per employee ($millions) | 4.0167% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 7,199 |
| Loan loss allowance to noncurrent loans | 157.8378% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 6,865 |
| Noncurrent loans to loans | 0.4994% | 6,177 |
| Net loans and leases to total assets | 43.5668% | 7,378 |
| Net loans and leases to deposits | 62.7095% | 6,677 |
| Net loans and leases to core deposits | 73.1687% | 6,859 |
| Total domestic deposits to total assets | 69.4740% | 7,476 |
| Equity capital to assets | 13.6726% | 1,471 |
| Core capital (leverage) ratio | 13.4309% | 1,346 |
| Tier 1 risk-based capital ratio | 24.9720% | 985 |
| Total risk-based capital ratio | 25.6255% | 1,014 |
| Memoranda: | ||
| Average total assets | $82,809,000 | 5,711 |
| Average earning assets | $72,694,000 | 5,821 |
| Average equity | $11,662,500 | 4,936 |
| Average total loans | $39,122,500 | 6,270 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7089% | 6,749 |
| Cost of funding earning assets | 1.8417% | 6,895 |
| Net interest margin | 3.8672% | 3,717 |
| Noninterest income to average assets | 0.4908% | 4,678 |
| Noninterest expense to average assets | 2.8118% | 4,771 |
| Loan and lease loss provision to assets | 0.0804% | 6,389 |
| Net operating income to assets | 1.0585% | 2,318 |
| Return on assets (ROA) | 1.1365% | 1,923 |
| Pretax return on assets | 1.1365% | 2,893 |
| Return on Equity (ROE) | 8.4779% | 2,855 |
| Retained earnings to average equity (ytd only) | 3.4646% | 2,984 |
| Net charge-offs to loans | 0.1190% | 5,070 |
| Credit loss provision to net charge-offs | 142.5532% | 3,717 |
| Earnings coverage of net charge-offs (x) | 20.1915% | 1,585 |
| Efficiency ratio | 71.1725% | 4,089 |
| Assets per employee ($millions) | 3.8699% | 3,807 |
| Cash dividends to net income (ytd only)* | 59.1341% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 7,403 |
| Loan loss allowance to noncurrent loans | 339.5349% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 7,154 |
| Noncurrent loans to loans | 0.2087% | 6,761 |
| Net loans and leases to total assets | 50.3427% | 6,996 |
| Net loans and leases to deposits | 76.0672% | 5,588 |
| Net loans and leases to core deposits | 88.1781% | 5,959 |
| Total domestic deposits to total assets | 66.1818% | 7,647 |
| Equity capital to assets | 14.5102% | 1,293 |
| Core capital (leverage) ratio | 12.8005% | 1,621 |
| Tier 1 risk-based capital ratio | 23.4241% | 1,145 |
| Total risk-based capital ratio | 24.0523% | 1,189 |
| Memoranda: | ||
| Average total assets | $83,326,000 | 5,586 |
| Average earning assets | $74,550,800 | 5,641 |
| Average equity | $11,170,200 | 5,076 |
| Average total loans | $39,497,800 | 6,191 |