Home > First State Bank of Beecher City > Performance and Condition Ratios
First State Bank of Beecher City, 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 | 5.9289% | 696 |
| Cost of funding earning assets | 1.4737% | 2,012 |
| Net interest margin | 4.4553% | 656 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.1815% | 3,181 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 2.2621% | 316 |
| Return on assets (ROA) | 2.2621% | 307 |
| Pretax return on assets | 2.2887% | 443 |
| Return on Equity (ROE) | 16.8000% | 977 |
| Retained earnings to average equity (ytd only) | 10.0948% | 997 |
| Net charge-offs to loans | 0.2890% | 372 |
| Credit loss provision to net charge-offs | 125.0000% | 1,630 |
| Earnings coverage of net charge-offs (x) | 13.3698% | 2,111 |
| Efficiency ratio | 46.3532% | 4,181 |
| Assets per employee ($millions) | 7.1662% | 1,965 |
| Cash dividends to net income (ytd only)* | 39.9130% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 583 |
| Loan loss allowance to noncurrent loans | 467.3004% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1163% | 411 |
| Noncurrent loans to loans | 0.3758% | 1,863 |
| Net loans and leases to total assets | 68.5300% | 1,973 |
| Net loans and leases to deposits | 80.5202% | 2,060 |
| Net loans and leases to core deposits | 88.8902% | 2,122 |
| Total domestic deposits to total assets | 85.1100% | 2,279 |
| Equity capital to assets | 14.4587% | 607 |
| Core capital (leverage) ratio | 14.4024% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7747% | 495 |
| Memoranda: | ||
| Average total assets | $101,674,400 | 3,816 |
| Average earning assets | $96,290,600 | 3,781 |
| Average equity | $13,690,200 | 3,368 |
| Average total loans | $66,425,400 | 3,600 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7974% | 692 |
| Cost of funding earning assets | 1.3743% | 1,938 |
| Net interest margin | 4.4231% | 682 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.0507% | 3,465 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 2.3199% | 318 |
| Return on assets (ROA) | 2.3199% | 312 |
| Pretax return on assets | 2.3552% | 449 |
| Return on Equity (ROE) | 17.5500% | 1,002 |
| Retained earnings to average equity (ytd only) | 8.4825% | 1,819 |
| Net charge-offs to loans | 0.3153% | 282 |
| Credit loss provision to net charge-offs | 129.0323% | 1,428 |
| Earnings coverage of net charge-offs (x) | 12.9161% | 2,050 |
| Efficiency ratio | 43.9373% | 4,230 |
| Assets per employee ($millions) | 6.9806% | 1,972 |
| Cash dividends to net income (ytd only)* | 51.6620% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 593 |
| Loan loss allowance to noncurrent loans | 91.6978% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 298 |
| Noncurrent loans to loans | 1.9386% | 323 |
| Net loans and leases to total assets | 69.3200% | 1,903 |
| Net loans and leases to deposits | 81.2583% | 1,958 |
| Net loans and leases to core deposits | 87.6883% | 2,077 |
| Total domestic deposits to total assets | 85.3000% | 2,415 |
| Equity capital to assets | 14.2926% | 605 |
| Core capital (leverage) ratio | 14.1420% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9550% | 553 |
| Memoranda: | ||
| Average total assets | $102,011,250 | 3,827 |
| Average earning assets | $96,431,500 | 3,789 |
| Average equity | $13,486,250 | 3,376 |
| Average total loans | $65,536,250 | 3,625 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6604% | 676 |
| Cost of funding earning assets | 1.2707% | 1,787 |
| Net interest margin | 4.3897% | 716 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.0515% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.4942% | 249 |
| Return on assets (ROA) | 2.4942% | 244 |
| Pretax return on assets | 2.5464% | 334 |
| Return on Equity (ROE) | 19.3600% | 785 |
| Retained earnings to average equity (ytd only) | 7.4893% | 2,132 |
| Net charge-offs to loans | -0.0652% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.6173% | 4,229 |
| Assets per employee ($millions) | 7.1822% | 1,799 |
| Cash dividends to net income (ytd only)* | 61.3178% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 625 |
| Loan loss allowance to noncurrent loans | 87.3547% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.3685% | 274 |
| Noncurrent loans to loans | 2.0491% | 263 |
| Net loans and leases to total assets | 65.5900% | 2,201 |
| Net loans and leases to deposits | 76.1536% | 2,300 |
| Net loans and leases to core deposits | 81.1930% | 2,397 |
| Total domestic deposits to total assets | 86.1300% | 2,193 |
| Equity capital to assets | 13.5265% | 713 |
| Core capital (leverage) ratio | 13.6290% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7555% | 575 |
| Memoranda: | ||
| Average total assets | $103,438,667 | 3,827 |
| Average earning assets | $97,272,333 | 3,802 |
| Average equity | $13,325,667 | 3,405 |
| Average total loans | $64,392,667 | 3,647 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5435% | 579 |
| Cost of funding earning assets | 1.2037% | 1,439 |
| Net interest margin | 4.3398% | 757 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.9908% | 3,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4065% | 276 |
| Return on assets (ROA) | 2.4065% | 273 |
| Pretax return on assets | 2.5095% | 351 |
| Return on Equity (ROE) | 19.1400% | 864 |
| Retained earnings to average equity (ytd only) | 2.7904% | 3,549 |
| Net charge-offs to loans | -0.0063% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.2373% | 4,294 |
| Assets per employee ($millions) | 7.4178% | 1,672 |
| Cash dividends to net income (ytd only)* | 85.4200% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8879% | 555 |
| Loan loss allowance to noncurrent loans | 75.9640% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.4983% | 220 |
| Noncurrent loans to loans | 2.4852% | 198 |
| Net loans and leases to total assets | 59.1500% | 2,760 |
| Net loans and leases to deposits | 68.0695% | 2,761 |
| Net loans and leases to core deposits | 72.3150% | 2,795 |
| Total domestic deposits to total assets | 86.9000% | 2,304 |
| Equity capital to assets | 12.7483% | 816 |
| Core capital (leverage) ratio | 12.6220% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0299% | 568 |
| Memoranda: | ||
| Average total assets | $104,882,500 | 3,865 |
| Average earning assets | $97,699,500 | 3,846 |
| Average equity | $13,188,000 | 3,460 |
| Average total loans | $63,013,500 | 3,713 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 1,358 |
| Cost of funding earning assets | 0.5617% | 1,058 |
| Net interest margin | 3.5844% | 1,687 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.1705% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6407% | 621 |
| Return on assets (ROA) | 1.6407% | 591 |
| Pretax return on assets | 1.7489% | 818 |
| Return on Equity (ROE) | 13.3200% | 1,699 |
| Retained earnings to average equity (ytd only) | 6.7659% | 2,335 |
| Net charge-offs to loans | 0.0033% | 2,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 881.5000% | 203 |
| Efficiency ratio | 55.3784% | 3,644 |
| Assets per employee ($millions) | 7.5654% | 1,571 |
| Cash dividends to net income (ytd only)* | 49.2140% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 582 |
| Loan loss allowance to noncurrent loans | 90.0152% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2387% | 302 |
| Noncurrent loans to loans | 2.0688% | 264 |
| Net loans and leases to total assets | 58.7600% | 2,756 |
| Net loans and leases to deposits | 67.2902% | 2,787 |
| Net loans and leases to core deposits | 70.9638% | 2,802 |
| Total domestic deposits to total assets | 87.3200% | 2,285 |
| Equity capital to assets | 12.4032% | 825 |
| Core capital (leverage) ratio | 12.2883% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5040% | 583 |
| Memoranda: | ||
| Average total assets | $100,807,600 | 3,920 |
| Average earning assets | $95,247,200 | 3,881 |
| Average equity | $12,415,200 | 3,628 |
| Average total loans | $59,868,400 | 3,730 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7557% | 1,876 |
| Cost of funding earning assets | 0.4391% | 1,038 |
| Net interest margin | 3.3167% | 2,249 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.1139% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4776% | 895 |
| Return on assets (ROA) | 1.4776% | 880 |
| Pretax return on assets | 1.6236% | 1,061 |
| Return on Equity (ROE) | 12.0200% | 2,023 |
| Retained earnings to average equity (ytd only) | 3.1494% | 3,738 |
| Net charge-offs to loans | -0.0045% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.5591% | 3,566 |
| Assets per employee ($millions) | 7.1083% | 1,872 |
| Cash dividends to net income (ytd only)* | 73.7987% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9663% | 531 |
| Loan loss allowance to noncurrent loans | 69.4200% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.6009% | 202 |
| Noncurrent loans to loans | 2.8325% | 173 |
| Net loans and leases to total assets | 55.4100% | 2,961 |
| Net loans and leases to deposits | 62.9223% | 2,953 |
| Net loans and leases to core deposits | 63.8002% | 3,138 |
| Total domestic deposits to total assets | 88.0600% | 2,412 |
| Equity capital to assets | 11.7740% | 926 |
| Core capital (leverage) ratio | 11.9476% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0327% | 641 |
| Memoranda: | ||
| Average total assets | $99,530,500 | 3,958 |
| Average earning assets | $95,354,750 | 3,910 |
| Average equity | $12,234,750 | 3,691 |
| Average total loans | $58,981,250 | 3,762 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 2,128 |
| Cost of funding earning assets | 0.3693% | 1,111 |
| Net interest margin | 3.1365% | 2,414 |
| Noninterest income to average assets | 0.5969% | 1,755 |
| Noninterest expense to average assets | 2.1921% | 2,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1877% | 1,467 |
| Return on assets (ROA) | 1.1877% | 1,446 |
| Pretax return on assets | 1.4120% | 1,400 |
| Return on Equity (ROE) | 9.5149% | 2,517 |
| Retained earnings to average equity (ytd only) | -1.8139% | 4,364 |
| Net charge-offs to loans | 0.0102% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 228.6667% | 499 |
| Efficiency ratio | 60.8224% | 3,200 |
| Assets per employee ($millions) | 6.5615% | 2,269 |
| Cash dividends to net income (ytd only)* | 119.0641% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0209% | 526 |
| Loan loss allowance to noncurrent loans | 73.6120% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.6287% | 204 |
| Noncurrent loans to loans | 2.7454% | 192 |
| Net loans and leases to total assets | 58.1256% | 2,523 |
| Net loans and leases to deposits | 66.4672% | 2,509 |
| Net loans and leases to core deposits | 67.6974% | 2,679 |
| Total domestic deposits to total assets | 87.4501% | 2,782 |
| Equity capital to assets | 12.3426% | 791 |
| Core capital (leverage) ratio | 12.2883% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0014% | 627 |
| Memoranda: | ||
| Average total assets | $97,165,667 | 4,022 |
| Average earning assets | $93,161,000 | 3,976 |
| Average equity | $12,128,333 | 3,772 |
| Average total loans | $58,553,667 | 3,813 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3338% | 2,282 |
| Cost of funding earning assets | 0.3714% | 1,047 |
| Net interest margin | 2.9625% | 2,630 |
| Noninterest income to average assets | 0.6215% | 1,600 |
| Noninterest expense to average assets | 2.2458% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7665% | 2,790 |
| Return on assets (ROA) | 0.7665% | 2,779 |
| Pretax return on assets | 1.2182% | 1,743 |
| Return on Equity (ROE) | 6.1064% | 3,320 |
| Retained earnings to average equity (ytd only) | -12.4108% | 4,604 |
| Net charge-offs to loans | -0.0341% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8325% | 2,933 |
| Assets per employee ($millions) | 6.6311% | 2,266 |
| Cash dividends to net income (ytd only)* | 303.2432% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0478% | 573 |
| Loan loss allowance to noncurrent loans | 83.6620% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.4276% | 265 |
| Noncurrent loans to loans | 2.4477% | 251 |
| Net loans and leases to total assets | 57.1301% | 2,402 |
| Net loans and leases to deposits | 65.0611% | 2,424 |
| Net loans and leases to core deposits | 66.4472% | 2,588 |
| Total domestic deposits to total assets | 87.8099% | 2,617 |
| Equity capital to assets | 11.9930% | 959 |
| Core capital (leverage) ratio | 12.1899% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6673% | 676 |
| Memoranda: | ||
| Average total assets | $96,537,000 | 4,040 |
| Average earning assets | $92,626,000 | 3,997 |
| Average equity | $12,118,500 | 3,849 |
| Average total loans | $58,636,000 | 3,813 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 1,117 |
| Cost of funding earning assets | 0.4190% | 1,399 |
| Net interest margin | 3.7066% | 1,196 |
| Noninterest income to average assets | 0.7727% | 1,528 |
| Noninterest expense to average assets | 2.1837% | 3,136 |
| Loan and lease loss provision to assets | 0.4072% | 167 |
| Net operating income to assets | 1.6895% | 646 |
| Return on assets (ROA) | 1.6895% | 671 |
| Pretax return on assets | 1.7159% | 1,108 |
| Return on Equity (ROE) | 12.9226% | 1,488 |
| Retained earnings to average equity (ytd only) | 6.1204% | 2,307 |
| Net charge-offs to loans | 0.6043% | 132 |
| Credit loss provision to net charge-offs | 100.5435% | 1,785 |
| Earnings coverage of net charge-offs (x) | 5.2418% | 2,457 |
| Efficiency ratio | 50.7028% | 4,230 |
| Assets per employee ($millions) | 6.2405% | 2,538 |
| Cash dividends to net income (ytd only)* | 52.6384% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 608 |
| Loan loss allowance to noncurrent loans | 72.1782% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.7509% | 207 |
| Noncurrent loans to loans | 2.7658% | 231 |
| Net loans and leases to total assets | 62.0417% | 1,938 |
| Net loans and leases to deposits | 71.6678% | 1,945 |
| Net loans and leases to core deposits | 72.8153% | 2,182 |
| Total domestic deposits to total assets | 86.5685% | 2,685 |
| Equity capital to assets | 13.1484% | 860 |
| Core capital (leverage) ratio | 13.0900% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8003% | 675 |
| Memoranda: | ||
| Average total assets | $90,855,400 | 4,086 |
| Average earning assets | $86,628,200 | 4,053 |
| Average equity | $11,878,400 | 3,945 |
| Average total loans | $60,892,400 | 3,799 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 906 |
| Cost of funding earning assets | 0.4257% | 1,518 |
| Net interest margin | 3.9059% | 929 |
| Noninterest income to average assets | 0.8088% | 1,491 |
| Noninterest expense to average assets | 2.0687% | 3,459 |
| Loan and lease loss provision to assets | 0.4736% | 120 |
| Net operating income to assets | 1.9489% | 504 |
| Return on assets (ROA) | 1.9489% | 531 |
| Pretax return on assets | 1.9844% | 820 |
| Return on Equity (ROE) | 14.9290% | 1,156 |
| Retained earnings to average equity (ytd only) | 5.7768% | 2,921 |
| Net charge-offs to loans | 0.6242% | 125 |
| Credit loss provision to net charge-offs | 111.4983% | 1,508 |
| Earnings coverage of net charge-offs (x) | 5.7909% | 2,209 |
| Efficiency ratio | 45.7040% | 4,518 |
| Assets per employee ($millions) | 7.0807% | 1,812 |
| Cash dividends to net income (ytd only)* | 61.3050% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0156% | 614 |
| Loan loss allowance to noncurrent loans | 73.8443% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.7860% | 236 |
| Noncurrent loans to loans | 2.7295% | 258 |
| Net loans and leases to total assets | 64.1148% | 1,756 |
| Net loans and leases to deposits | 73.9793% | 1,855 |
| Net loans and leases to core deposits | 75.2307% | 2,118 |
| Total domestic deposits to total assets | 86.6658% | 2,481 |
| Equity capital to assets | 13.1354% | 944 |
| Core capital (leverage) ratio | 13.0690% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6069% | 732 |
| Memoranda: | ||
| Average total assets | $90,167,250 | 4,147 |
| Average earning assets | $85,817,750 | 4,112 |
| Average equity | $11,771,000 | 4,008 |
| Average total loans | $61,300,750 | 3,848 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 703 |
| Cost of funding earning assets | 0.4329% | 1,639 |
| Net interest margin | 4.0883% | 707 |
| Noninterest income to average assets | 0.8644% | 1,367 |
| Noninterest expense to average assets | 2.1019% | 3,382 |
| Loan and lease loss provision to assets | 0.7148% | 58 |
| Net operating income to assets | 1.8964% | 594 |
| Return on assets (ROA) | 1.8964% | 622 |
| Pretax return on assets | 1.9500% | 919 |
| Return on Equity (ROE) | 14.5572% | 1,268 |
| Retained earnings to average equity (ytd only) | 2.8634% | 3,883 |
| Net charge-offs to loans | 1.0542% | 73 |
| Credit loss provision to net charge-offs | 98.4615% | 1,398 |
| Earnings coverage of net charge-offs (x) | 3.6708% | 2,063 |
| Efficiency ratio | 44.0956% | 4,610 |
| Assets per employee ($millions) | 7.0095% | 1,803 |
| Cash dividends to net income (ytd only)* | 80.3298% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9548% | 666 |
| Loan loss allowance to noncurrent loans | 80.8803% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.5956% | 335 |
| Noncurrent loans to loans | 2.4169% | 349 |
| Net loans and leases to total assets | 64.7283% | 1,863 |
| Net loans and leases to deposits | 74.5139% | 1,950 |
| Net loans and leases to core deposits | 75.7795% | 2,262 |
| Total domestic deposits to total assets | 86.8673% | 2,398 |
| Equity capital to assets | 12.8934% | 980 |
| Core capital (leverage) ratio | 12.7128% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5434% | 751 |
| Memoranda: | ||
| Average total assets | $89,540,000 | 4,177 |
| Average earning assets | $85,462,667 | 4,137 |
| Average equity | $11,664,333 | 4,029 |
| Average total loans | $61,657,333 | 3,868 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 576 |
| Cost of funding earning assets | 0.4485% | 1,733 |
| Net interest margin | 4.2447% | 563 |
| Noninterest income to average assets | 1.0096% | 1,115 |
| Noninterest expense to average assets | 2.1544% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7989% | 180 |
| Return on assets (ROA) | 2.7989% | 204 |
| Pretax return on assets | 2.9071% | 255 |
| Return on Equity (ROE) | 21.3733% | 441 |
| Retained earnings to average equity (ytd only) | 2.5125% | 3,913 |
| Net charge-offs to loans | 0.4487% | 184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 9.2143% | 1,548 |
| Efficiency ratio | 42.5646% | 4,650 |
| Assets per employee ($millions) | 7.0940% | 1,731 |
| Cash dividends to net income (ytd only)* | 88.2448% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 864 |
| Loan loss allowance to noncurrent loans | 62.9462% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.9464% | 267 |
| Noncurrent loans to loans | 2.8650% | 284 |
| Net loans and leases to total assets | 65.5961% | 1,846 |
| Net loans and leases to deposits | 75.2797% | 1,986 |
| Net loans and leases to core deposits | 76.5379% | 2,303 |
| Total domestic deposits to total assets | 87.1365% | 2,261 |
| Equity capital to assets | 12.6402% | 1,018 |
| Core capital (leverage) ratio | 13.0816% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7885% | 818 |
| Memoranda: | ||
| Average total assets | $88,748,000 | 4,205 |
| Average earning assets | $84,717,500 | 4,159 |
| Average equity | $11,622,000 | 4,045 |
| Average total loans | $62,406,500 | 3,872 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 569 |
| Cost of funding earning assets | 0.7273% | 1,573 |
| Net interest margin | 4.2014% | 635 |
| Noninterest income to average assets | 1.0649% | 938 |
| Noninterest expense to average assets | 2.4473% | 2,999 |
| Loan and lease loss provision to assets | 0.3904% | 818 |
| Net operating income to assets | 2.1746% | 192 |
| Return on assets (ROA) | 2.1746% | 202 |
| Pretax return on assets | 2.2054% | 299 |
| Return on Equity (ROE) | 15.4132% | 577 |
| Retained earnings to average equity (ytd only) | 8.9177% | 791 |
| Net charge-offs to loans | 0.5092% | 311 |
| Credit loss provision to net charge-offs | 99.6732% | 2,848 |
| Earnings coverage of net charge-offs (x) | 6.6275% | 2,762 |
| Efficiency ratio | 48.5279% | 4,609 |
| Assets per employee ($millions) | 6.5595% | 1,881 |
| Cash dividends to net income (ytd only)* | 42.1424% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 771 |
| Loan loss allowance to noncurrent loans | 264.2058% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 1,810 |
| Noncurrent loans to loans | 0.7072% | 1,929 |
| Net loans and leases to total assets | 72.7385% | 1,197 |
| Net loans and leases to deposits | 84.4502% | 1,410 |
| Net loans and leases to core deposits | 85.9910% | 1,869 |
| Total domestic deposits to total assets | 86.1318% | 2,314 |
| Equity capital to assets | 13.5880% | 905 |
| Core capital (leverage) ratio | 13.9789% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4623% | 844 |
| Memoranda: | ||
| Average total assets | $78,128,000 | 4,264 |
| Average earning assets | $73,976,200 | 4,232 |
| Average equity | $11,023,000 | 4,075 |
| Average total loans | $60,089,000 | 3,915 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1298% | 473 |
| Cost of funding earning assets | 0.7919% | 1,540 |
| Net interest margin | 4.3379% | 543 |
| Noninterest income to average assets | 1.0479% | 948 |
| Noninterest expense to average assets | 2.4416% | 3,020 |
| Loan and lease loss provision to assets | 0.0878% | 3,213 |
| Net operating income to assets | 2.5813% | 131 |
| Return on assets (ROA) | 2.5813% | 137 |
| Pretax return on assets | 2.6232% | 176 |
| Return on Equity (ROE) | 18.1090% | 355 |
| Retained earnings to average equity (ytd only) | 9.3363% | 897 |
| Net charge-offs to loans | 0.1169% | 1,193 |
| Credit loss provision to net charge-offs | 96.1538% | 2,661 |
| Earnings coverage of net charge-offs (x) | 29.8462% | 1,589 |
| Efficiency ratio | 47.3898% | 4,645 |
| Assets per employee ($millions) | 6.2852% | 2,012 |
| Cash dividends to net income (ytd only)* | 48.4438% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 583 |
| Loan loss allowance to noncurrent loans | 152.4548% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 1,189 |
| Noncurrent loans to loans | 1.2473% | 1,212 |
| Net loans and leases to total assets | 74.5016% | 1,308 |
| Net loans and leases to deposits | 86.8250% | 1,607 |
| Net loans and leases to core deposits | 88.4821% | 2,104 |
| Total domestic deposits to total assets | 85.8066% | 2,147 |
| Equity capital to assets | 13.9229% | 879 |
| Core capital (leverage) ratio | 14.2449% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7860% | 808 |
| Memoranda: | ||
| Average total assets | $76,341,500 | 4,297 |
| Average earning assets | $72,229,250 | 4,267 |
| Average equity | $10,882,000 | 4,100 |
| Average total loans | $59,309,250 | 3,956 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3300% | 457 |
| Cost of funding earning assets | 0.8765% | 1,474 |
| Net interest margin | 4.4535% | 558 |
| Noninterest income to average assets | 1.0140% | 958 |
| Noninterest expense to average assets | 2.5566% | 2,808 |
| Loan and lease loss provision to assets | 0.1341% | 2,668 |
| Net operating income to assets | 2.4707% | 149 |
| Return on assets (ROA) | 2.4707% | 161 |
| Pretax return on assets | 2.5351% | 201 |
| Return on Equity (ROE) | 17.1871% | 431 |
| Retained earnings to average equity (ytd only) | 6.1769% | 2,002 |
| Net charge-offs to loans | 0.1918% | 799 |
| Credit loss provision to net charge-offs | 89.2857% | 2,466 |
| Earnings coverage of net charge-offs (x) | 17.7679% | 1,805 |
| Efficiency ratio | 48.9220% | 4,562 |
| Assets per employee ($millions) | 6.0979% | 2,093 |
| Cash dividends to net income (ytd only)* | 64.0608% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 447 |
| Loan loss allowance to noncurrent loans | 194.3802% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7632% | 1,624 |
| Noncurrent loans to loans | 1.0215% | 1,522 |
| Net loans and leases to total assets | 73.2292% | 1,521 |
| Net loans and leases to deposits | 85.2225% | 1,854 |
| Net loans and leases to core deposits | 85.8743% | 2,447 |
| Total domestic deposits to total assets | 85.9271% | 2,040 |
| Equity capital to assets | 13.8231% | 895 |
| Core capital (leverage) ratio | 14.4281% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6447% | 818 |
| Memoranda: | ||
| Average total assets | $74,553,000 | 4,327 |
| Average earning assets | $70,506,667 | 4,304 |
| Average equity | $10,717,333 | 4,135 |
| Average total loans | $58,394,667 | 3,973 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6241% | 286 |
| Cost of funding earning assets | 1.0129% | 1,367 |
| Net interest margin | 4.6112% | 402 |
| Noninterest income to average assets | 0.7646% | 1,417 |
| Noninterest expense to average assets | 2.6817% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.2883% | 156 |
| Return on assets (ROA) | 2.2883% | 170 |
| Pretax return on assets | 2.4213% | 190 |
| Return on Equity (ROE) | 15.5893% | 473 |
| Retained earnings to average equity (ytd only) | -1.8873% | 4,235 |
| Net charge-offs to loans | -0.0276% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5516% | 4,508 |
| Assets per employee ($millions) | 5.6168% | 2,008 |
| Cash dividends to net income (ytd only)* | 112.1065% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 472 |
| Loan loss allowance to noncurrent loans | 187.0662% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8683% | 1,532 |
| Noncurrent loans to loans | 1.0929% | 1,523 |
| Net loans and leases to total assets | 77.8195% | 1,005 |
| Net loans and leases to deposits | 91.3362% | 1,361 |
| Net loans and leases to core deposits | 92.0971% | 2,145 |
| Total domestic deposits to total assets | 85.2011% | 2,334 |
| Equity capital to assets | 14.4976% | 897 |
| Core capital (leverage) ratio | 14.5476% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7375% | 894 |
| Memoranda: | ||
| Average total assets | $72,193,000 | 4,371 |
| Average earning assets | $67,922,000 | 4,352 |
| Average equity | $10,597,000 | 4,165 |
| Average total loans | $57,978,500 | 3,990 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6239% | 457 |
| Cost of funding earning assets | 1.0819% | 1,398 |
| Net interest margin | 4.5420% | 665 |
| Noninterest income to average assets | 0.7421% | 1,656 |
| Noninterest expense to average assets | 2.6068% | 3,156 |
| Loan and lease loss provision to assets | 0.1848% | 1,116 |
| Net operating income to assets | 2.2399% | 206 |
| Return on assets (ROA) | 2.2399% | 221 |
| Pretax return on assets | 2.2728% | 329 |
| Return on Equity (ROE) | 12.9271% | 1,185 |
| Retained earnings to average equity (ytd only) | 6.1791% | 1,776 |
| Net charge-offs to loans | 0.2354% | 868 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 13.2963% | 2,365 |
| Efficiency ratio | 51.4734% | 4,641 |
| Assets per employee ($millions) | 5.4898% | 2,071 |
| Cash dividends to net income (ytd only)* | 52.2005% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0398% | 432 |
| Loan loss allowance to noncurrent loans | 137.2822% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.2064% | 968 |
| Noncurrent loans to loans | 1.4858% | 978 |
| Net loans and leases to total assets | 79.5410% | 847 |
| Net loans and leases to deposits | 93.7955% | 1,177 |
| Net loans and leases to core deposits | 94.5974% | 2,012 |
| Total domestic deposits to total assets | 84.8025% | 2,572 |
| Equity capital to assets | 14.8640% | 829 |
| Core capital (leverage) ratio | 13.9191% | 947 |
| Tier 1 risk-based capital ratio | 18.4382% | 1,650 |
| Total risk-based capital ratio | 19.6979% | 1,618 |
| Memoranda: | ||
| Average total assets | $73,038,800 | 4,385 |
| Average earning assets | $69,506,600 | 4,351 |
| Average equity | $12,655,600 | 3,918 |
| Average total loans | $57,347,200 | 4,023 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5620% | 526 |
| Cost of funding earning assets | 1.0774% | 1,437 |
| Net interest margin | 4.4846% | 797 |
| Noninterest income to average assets | 0.7351% | 1,644 |
| Noninterest expense to average assets | 2.5103% | 3,408 |
| Loan and lease loss provision to assets | 0.1815% | 1,003 |
| Net operating income to assets | 2.2834% | 229 |
| Return on assets (ROA) | 2.2834% | 244 |
| Pretax return on assets | 2.3269% | 351 |
| Return on Equity (ROE) | 12.7381% | 1,376 |
| Retained earnings to average equity (ytd only) | 4.0908% | 3,353 |
| Net charge-offs to loans | 0.2471% | 714 |
| Credit loss provision to net charge-offs | 94.3396% | 2,351 |
| Earnings coverage of net charge-offs (x) | 13.0377% | 2,321 |
| Efficiency ratio | 50.0181% | 4,741 |
| Assets per employee ($millions) | 5.1902% | 2,348 |
| Cash dividends to net income (ytd only)* | 67.8857% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0490% | 422 |
| Loan loss allowance to noncurrent loans | 163.3333% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 1,357 |
| Noncurrent loans to loans | 1.2545% | 1,245 |
| Net loans and leases to total assets | 77.3695% | 1,249 |
| Net loans and leases to deposits | 95.3381% | 1,093 |
| Net loans and leases to core deposits | 95.7587% | 2,020 |
| Total domestic deposits to total assets | 81.1527% | 3,708 |
| Equity capital to assets | 18.5858% | 345 |
| Core capital (leverage) ratio | 18.5135% | 314 |
| Tier 1 risk-based capital ratio | 23.7861% | 864 |
| Total risk-based capital ratio | 25.0463% | 847 |
| Memoranda: | ||
| Average total assets | $73,456,750 | 4,434 |
| Average earning assets | $70,165,000 | 4,397 |
| Average equity | $13,167,500 | 3,912 |
| Average total loans | $57,197,000 | 4,075 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 537 |
| Cost of funding earning assets | 1.0734% | 1,403 |
| Net interest margin | 4.4579% | 838 |
| Noninterest income to average assets | 0.6565% | 1,888 |
| Noninterest expense to average assets | 2.5339% | 3,374 |
| Loan and lease loss provision to assets | 0.2713% | 554 |
| Net operating income to assets | 2.0564% | 353 |
| Return on assets (ROA) | 2.0564% | 367 |
| Pretax return on assets | 2.1215% | 524 |
| Return on Equity (ROE) | 11.6124% | 1,735 |
| Retained earnings to average equity (ytd only) | 0.8119% | 4,486 |
| Net charge-offs to loans | 0.3781% | 437 |
| Credit loss provision to net charge-offs | 92.5926% | 2,108 |
| Earnings coverage of net charge-offs (x) | 8.1667% | 2,438 |
| Efficiency ratio | 51.4317% | 4,694 |
| Assets per employee ($millions) | 4.9016% | 2,600 |
| Cash dividends to net income (ytd only)* | 93.0079% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0711% | 413 |
| Loan loss allowance to noncurrent loans | 161.4856% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 1,406 |
| Noncurrent loans to loans | 1.2825% | 1,233 |
| Net loans and leases to total assets | 75.5005% | 1,629 |
| Net loans and leases to deposits | 92.2631% | 1,464 |
| Net loans and leases to core deposits | 92.6604% | 2,351 |
| Total domestic deposits to total assets | 81.8318% | 3,569 |
| Equity capital to assets | 17.8908% | 392 |
| Core capital (leverage) ratio | 17.7875% | 357 |
| Tier 1 risk-based capital ratio | 24.1376% | 834 |
| Total risk-based capital ratio | 25.3982% | 816 |
| Memoranda: | ||
| Average total assets | $73,721,330 | 4,466 |
| Average earning assets | $70,616,670 | 4,432 |
| Average equity | $13,055,000 | 3,927 |
| Average total loans | $57,131,000 | 4,100 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 592 |
| Cost of funding earning assets | 1.0507% | 1,374 |
| Net interest margin | 4.3778% | 947 |
| Noninterest income to average assets | 0.5960% | 2,065 |
| Noninterest expense to average assets | 2.5630% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1024% | 320 |
| Return on assets (ROA) | 2.1024% | 335 |
| Pretax return on assets | 2.2325% | 413 |
| Return on Equity (ROE) | 11.9334% | 1,556 |
| Retained earnings to average equity (ytd only) | -5.1978% | 4,934 |
| Net charge-offs to loans | -0.1325% | 5,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4463% | 4,584 |
| Assets per employee ($millions) | 4.9830% | 2,545 |
| Cash dividends to net income (ytd only)* | 143.5567% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1153% | 409 |
| Loan loss allowance to noncurrent loans | 103.3563% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.5546% | 753 |
| Noncurrent loans to loans | 2.0466% | 717 |
| Net loans and leases to total assets | 74.3541% | 1,739 |
| Net loans and leases to deposits | 90.2281% | 1,597 |
| Net loans and leases to core deposits | 90.6047% | 2,431 |
| Total domestic deposits to total assets | 82.4068% | 3,614 |
| Equity capital to assets | 17.2895% | 418 |
| Core capital (leverage) ratio | 17.5054% | 373 |
| Tier 1 risk-based capital ratio | 22.6867% | 972 |
| Total risk-based capital ratio | 23.9471% | 944 |
| Memoranda: | ||
| Average total assets | $73,820,000 | 4,514 |
| Average earning assets | $70,811,500 | 4,471 |
| Average equity | $13,005,500 | 3,947 |
| Average total loans | $57,354,000 | 4,143 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3611% | 522 |
| Cost of funding earning assets | 0.8084% | 1,479 |
| Net interest margin | 4.5527% | 687 |
| Noninterest income to average assets | 0.7075% | 1,829 |
| Noninterest expense to average assets | 2.6824% | 3,085 |
| Loan and lease loss provision to assets | 0.0352% | 3,496 |
| Net operating income to assets | 2.3209% | 210 |
| Return on assets (ROA) | 2.3209% | 199 |
| Pretax return on assets | 2.3546% | 273 |
| Return on Equity (ROE) | 13.1899% | 1,275 |
| Retained earnings to average equity (ytd only) | 7.0985% | 1,629 |
| Net charge-offs to loans | 0.0374% | 2,654 |
| Credit loss provision to net charge-offs | 113.6364% | 2,282 |
| Earnings coverage of net charge-offs (x) | 77.2273% | 877 |
| Efficiency ratio | 52.8841% | 4,727 |
| Assets per employee ($millions) | 4.8597% | 2,668 |
| Cash dividends to net income (ytd only)* | 46.1818% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0404% | 441 |
| Loan loss allowance to noncurrent loans | 135.8621% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.1935% | 1,099 |
| Noncurrent loans to loans | 1.5018% | 1,014 |
| Net loans and leases to total assets | 77.8503% | 1,292 |
| Net loans and leases to deposits | 95.2324% | 1,149 |
| Net loans and leases to core deposits | 95.6417% | 2,089 |
| Total domestic deposits to total assets | 81.7477% | 3,707 |
| Equity capital to assets | 17.9546% | 346 |
| Core capital (leverage) ratio | 18.2657% | 311 |
| Tier 1 risk-based capital ratio | 22.6437% | 950 |
| Total risk-based capital ratio | 23.9029% | 925 |
| Memoranda: | ||
| Average total assets | $71,094,000 | 4,563 |
| Average earning assets | $68,157,800 | 4,524 |
| Average equity | $12,509,600 | 3,958 |
| Average total loans | $58,843,600 | 4,121 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 477 |
| Cost of funding earning assets | 0.7567% | 1,555 |
| Net interest margin | 4.5935% | 606 |
| Noninterest income to average assets | 0.7172% | 1,799 |
| Noninterest expense to average assets | 2.5895% | 3,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.4819% | 164 |
| Return on assets (ROA) | 2.4819% | 163 |
| Pretax return on assets | 2.5272% | 224 |
| Return on Equity (ROE) | 14.1795% | 1,070 |
| Retained earnings to average equity (ytd only) | 5.9521% | 2,678 |
| Net charge-offs to loans | 0.1196% | 1,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 25.2659% | 1,782 |
| Efficiency ratio | 50.6086% | 4,910 |
| Assets per employee ($millions) | 4.6400% | 2,928 |
| Cash dividends to net income (ytd only)* | 58.0229% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9430% | 545 |
| Loan loss allowance to noncurrent loans | 103.3976% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.5647% | 810 |
| Noncurrent loans to loans | 1.8791% | 807 |
| Net loans and leases to total assets | 81.6480% | 772 |
| Net loans and leases to deposits | 100.2505% | 764 |
| Net loans and leases to core deposits | 100.7017% | 1,726 |
| Total domestic deposits to total assets | 81.4440% | 3,752 |
| Equity capital to assets | 18.3190% | 312 |
| Core capital (leverage) ratio | 18.3807% | 303 |
| Tier 1 risk-based capital ratio | 22.2793% | 1,015 |
| Total risk-based capital ratio | 23.5368% | 991 |
| Memoranda: | ||
| Average total assets | $70,643,750 | 4,620 |
| Average earning assets | $67,659,750 | 4,578 |
| Average equity | $12,365,000 | 4,010 |
| Average total loans | $59,071,750 | 4,159 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2464% | 513 |
| Cost of funding earning assets | 0.7205% | 1,519 |
| Net interest margin | 4.5259% | 661 |
| Noninterest income to average assets | 0.6987% | 1,876 |
| Noninterest expense to average assets | 2.5524% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.4144% | 172 |
| Return on assets (ROA) | 2.4144% | 170 |
| Pretax return on assets | 2.4820% | 231 |
| Return on Equity (ROE) | 14.0071% | 1,075 |
| Retained earnings to average equity (ytd only) | 3.6611% | 3,765 |
| Net charge-offs to loans | 0.0942% | 1,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 31.4643% | 1,455 |
| Efficiency ratio | 50.6995% | 4,982 |
| Assets per employee ($millions) | 4.7185% | 2,798 |
| Cash dividends to net income (ytd only)* | 73.8623% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8938% | 641 |
| Loan loss allowance to noncurrent loans | 87.8626% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.8509% | 610 |
| Noncurrent loans to loans | 2.1554% | 655 |
| Net loans and leases to total assets | 84.2451% | 431 |
| Net loans and leases to deposits | 102.4906% | 626 |
| Net loans and leases to core deposits | 102.9383% | 1,494 |
| Total domestic deposits to total assets | 82.1979% | 3,655 |
| Equity capital to assets | 17.5521% | 362 |
| Core capital (leverage) ratio | 17.5205% | 347 |
| Tier 1 risk-based capital ratio | 21.0644% | 1,163 |
| Total risk-based capital ratio | 22.3220% | 1,135 |
| Memoranda: | ||
| Average total assets | $70,991,670 | 4,669 |
| Average earning assets | $68,008,000 | 4,620 |
| Average equity | $12,236,670 | 4,048 |
| Average total loans | $59,444,670 | 4,178 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 606 |
| Cost of funding earning assets | 0.6756% | 1,561 |
| Net interest margin | 4.4059% | 760 |
| Noninterest income to average assets | 0.7258% | 1,718 |
| Noninterest expense to average assets | 2.5542% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1829% | 254 |
| Return on assets (ROA) | 2.1829% | 254 |
| Pretax return on assets | 2.3910% | 267 |
| Return on Equity (ROE) | 12.7805% | 1,325 |
| Retained earnings to average equity (ytd only) | -3.7880% | 5,127 |
| Net charge-offs to loans | 0.0204% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 141.6667% | 457 |
| Efficiency ratio | 51.6496% | 4,984 |
| Assets per employee ($millions) | 4.7785% | 2,759 |
| Cash dividends to net income (ytd only)* | 129.6392% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0059% | 541 |
| Loan loss allowance to noncurrent loans | 128.6652% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2752% | 1,164 |
| Noncurrent loans to loans | 1.5590% | 1,119 |
| Net loans and leases to total assets | 80.1540% | 914 |
| Net loans and leases to deposits | 96.7059% | 961 |
| Net loans and leases to core deposits | 97.1178% | 1,897 |
| Total domestic deposits to total assets | 82.8843% | 3,706 |
| Equity capital to assets | 16.8576% | 409 |
| Core capital (leverage) ratio | 17.0090% | 381 |
| Tier 1 risk-based capital ratio | 21.0639% | 1,196 |
| Total risk-based capital ratio | 22.3237% | 1,167 |
| Memoranda: | ||
| Average total assets | $71,098,500 | 4,721 |
| Average earning assets | $68,090,500 | 4,678 |
| Average equity | $12,143,500 | 4,097 |
| Average total loans | $58,778,000 | 4,228 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 646 |
| Cost of funding earning assets | 0.5751% | 1,776 |
| Net interest margin | 4.4280% | 717 |
| Noninterest income to average assets | 0.7840% | 1,633 |
| Noninterest expense to average assets | 2.5741% | 3,527 |
| Loan and lease loss provision to assets | 0.3382% | 483 |
| Net operating income to assets | 2.0491% | 253 |
| Return on assets (ROA) | 2.0491% | 261 |
| Pretax return on assets | 2.0774% | 409 |
| Return on Equity (ROE) | 12.4028% | 1,104 |
| Retained earnings to average equity (ytd only) | 5.8673% | 1,614 |
| Net charge-offs to loans | 0.0573% | 2,664 |
| Credit loss provision to net charge-offs | 724.2424% | 457 |
| Earnings coverage of net charge-offs (x) | 51.7273% | 1,063 |
| Efficiency ratio | 51.5882% | 5,128 |
| Assets per employee ($millions) | 4.7013% | 2,864 |
| Cash dividends to net income (ytd only)* | 52.6934% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 541 |
| Loan loss allowance to noncurrent loans | 121.1716% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.3798% | 1,027 |
| Noncurrent loans to loans | 1.6512% | 1,000 |
| Net loans and leases to total assets | 81.8902% | 694 |
| Net loans and leases to deposits | 99.3856% | 781 |
| Net loans and leases to core deposits | 100.4051% | 1,680 |
| Total domestic deposits to total assets | 82.3965% | 3,758 |
| Equity capital to assets | 17.3057% | 371 |
| Core capital (leverage) ratio | 17.0836% | 366 |
| Tier 1 risk-based capital ratio | 21.3760% | 1,084 |
| Total risk-based capital ratio | 22.6354% | 1,064 |
| Memoranda: | ||
| Average total assets | $70,666,400 | 4,765 |
| Average earning assets | $67,117,800 | 4,720 |
| Average equity | $11,674,800 | 4,192 |
| Average total loans | $57,639,200 | 4,255 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 712 |
| Cost of funding earning assets | 0.5543% | 1,862 |
| Net interest margin | 4.3746% | 770 |
| Noninterest income to average assets | 0.7826% | 1,653 |
| Noninterest expense to average assets | 2.4572% | 3,867 |
| Loan and lease loss provision to assets | 0.4507% | 287 |
| Net operating income to assets | 1.9895% | 322 |
| Return on assets (ROA) | 1.9895% | 327 |
| Pretax return on assets | 2.0272% | 522 |
| Return on Equity (ROE) | 12.1865% | 1,282 |
| Retained earnings to average equity (ytd only) | 3.3729% | 3,921 |
| Net charge-offs to loans | 0.0744% | 2,072 |
| Credit loss provision to net charge-offs | 746.8750% | 463 |
| Earnings coverage of net charge-offs (x) | 41.0584% | 1,274 |
| Efficiency ratio | 49.7898% | 5,260 |
| Assets per employee ($millions) | 4.6752% | 2,864 |
| Cash dividends to net income (ytd only)* | 72.3225% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0151% | 556 |
| Loan loss allowance to noncurrent loans | 76.0309% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.2559% | 525 |
| Noncurrent loans to loans | 2.6504% | 545 |
| Net loans and leases to total assets | 81.8175% | 721 |
| Net loans and leases to deposits | 98.6351% | 855 |
| Net loans and leases to core deposits | 99.6596% | 1,731 |
| Total domestic deposits to total assets | 82.9497% | 3,472 |
| Equity capital to assets | 16.8663% | 445 |
| Core capital (leverage) ratio | 17.0546% | 378 |
| Tier 1 risk-based capital ratio | 20.6775% | 1,251 |
| Total risk-based capital ratio | 21.9361% | 1,215 |
| Memoranda: | ||
| Average total assets | $70,703,000 | 4,815 |
| Average earning assets | $67,112,500 | 4,770 |
| Average equity | $11,542,500 | 4,260 |
| Average total loans | $57,317,000 | 4,300 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 813 |
| Cost of funding earning assets | 0.5288% | 1,932 |
| Net interest margin | 4.2988% | 866 |
| Noninterest income to average assets | 0.7391% | 1,817 |
| Noninterest expense to average assets | 2.4459% | 3,926 |
| Loan and lease loss provision to assets | 0.6742% | 164 |
| Net operating income to assets | 1.6447% | 633 |
| Return on assets (ROA) | 1.6447% | 655 |
| Pretax return on assets | 1.7011% | 1,058 |
| Return on Equity (ROE) | 10.1858% | 1,957 |
| Retained earnings to average equity (ytd only) | -0.8736% | 5,217 |
| Net charge-offs to loans | 0.0141% | 2,970 |
| Credit loss provision to net charge-offs | 5,975.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 210.5000% | 396 |
| Efficiency ratio | 50.7314% | 5,260 |
| Assets per employee ($millions) | 4.3484% | 3,348 |
| Cash dividends to net income (ytd only)* | 108.5763% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1480% | 465 |
| Loan loss allowance to noncurrent loans | 55.5402% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 3.2267% | 272 |
| Noncurrent loans to loans | 3.8674% | 260 |
| Net loans and leases to total assets | 79.0959% | 1,082 |
| Net loans and leases to deposits | 94.9760% | 1,180 |
| Net loans and leases to core deposits | 95.9648% | 1,983 |
| Total domestic deposits to total assets | 83.2799% | 3,475 |
| Equity capital to assets | 16.5102% | 473 |
| Core capital (leverage) ratio | 16.4174% | 429 |
| Tier 1 risk-based capital ratio | 20.5925% | 1,259 |
| Total risk-based capital ratio | 21.8529% | 1,231 |
| Memoranda: | ||
| Average total assets | $70,894,670 | 4,847 |
| Average earning assets | $67,321,330 | 4,796 |
| Average equity | $11,447,330 | 4,284 |
| Average total loans | $56,903,670 | 4,336 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 928 |
| Cost of funding earning assets | 0.5061% | 2,039 |
| Net interest margin | 4.2017% | 986 |
| Noninterest income to average assets | 0.7323% | 1,815 |
| Noninterest expense to average assets | 2.4317% | 4,025 |
| Loan and lease loss provision to assets | 0.6205% | 160 |
| Net operating income to assets | 1.5597% | 731 |
| Return on assets (ROA) | 1.5597% | 752 |
| Pretax return on assets | 1.6715% | 1,067 |
| Return on Equity (ROE) | 9.7659% | 2,077 |
| Retained earnings to average equity (ytd only) | -7.8407% | 5,518 |
| Net charge-offs to loans | -0.1328% | 5,531 |
| Credit loss provision to net charge-offs | -584.2105% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4793% | 5,290 |
| Assets per employee ($millions) | 4.4828% | 3,191 |
| Cash dividends to net income (ytd only)* | 180.2867% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 743 |
| Loan loss allowance to noncurrent loans | 78.8984% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.9910% | 663 |
| Noncurrent loans to loans | 2.4600% | 639 |
| Net loans and leases to total assets | 77.6951% | 1,174 |
| Net loans and leases to deposits | 92.4514% | 1,275 |
| Net loans and leases to core deposits | 93.7738% | 2,001 |
| Total domestic deposits to total assets | 84.0388% | 3,464 |
| Equity capital to assets | 15.7771% | 527 |
| Core capital (leverage) ratio | 15.8473% | 479 |
| Tier 1 risk-based capital ratio | 20.2126% | 1,347 |
| Total risk-based capital ratio | 21.4706% | 1,319 |
| Memoranda: | ||
| Average total assets | $71,554,500 | 4,881 |
| Average earning assets | $67,972,000 | 4,834 |
| Average equity | $11,427,500 | 4,318 |
| Average total loans | $57,236,000 | 4,373 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 557 |
| Cost of funding earning assets | 0.5208% | 1,936 |
| Net interest margin | 4.5166% | 598 |
| Noninterest income to average assets | 0.8069% | 1,728 |
| Noninterest expense to average assets | 2.5469% | 3,852 |
| Loan and lease loss provision to assets | 0.5025% | 277 |
| Net operating income to assets | 1.9827% | 328 |
| Return on assets (ROA) | 1.9827% | 347 |
| Pretax return on assets | 2.0157% | 481 |
| Return on Equity (ROE) | 12.3748% | 1,151 |
| Retained earnings to average equity (ytd only) | 5.5557% | 1,980 |
| Net charge-offs to loans | 0.6002% | 383 |
| Credit loss provision to net charge-offs | 103.8576% | 2,495 |
| Earnings coverage of net charge-offs (x) | 5.2047% | 3,373 |
| Efficiency ratio | 50.2834% | 5,473 |
| Assets per employee ($millions) | 4.4616% | 3,170 |
| Cash dividends to net income (ytd only)* | 55.1050% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 1,168 |
| Loan loss allowance to noncurrent loans | 86.3354% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.6208% | 975 |
| Noncurrent loans to loans | 1.9551% | 934 |
| Net loans and leases to total assets | 79.3864% | 985 |
| Net loans and leases to deposits | 95.0106% | 1,091 |
| Net loans and leases to core deposits | 96.3841% | 1,889 |
| Total domestic deposits to total assets | 83.5554% | 3,583 |
| Equity capital to assets | 16.1645% | 477 |
| Core capital (leverage) ratio | 16.3962% | 413 |
| Tier 1 risk-based capital ratio | 20.1712% | 1,348 |
| Total risk-based capital ratio | 21.4267% | 1,321 |
| Memoranda: | ||
| Average total assets | $69,653,200 | 4,945 |
| Average earning assets | $65,668,800 | 4,900 |
| Average equity | $11,159,800 | 4,404 |
| Average total loans | $56,144,400 | 4,407 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0692% | 523 |
| Cost of funding earning assets | 0.5237% | 1,914 |
| Net interest margin | 4.5455% | 563 |
| Noninterest income to average assets | 0.8090% | 1,723 |
| Noninterest expense to average assets | 2.4655% | 4,090 |
| Loan and lease loss provision to assets | 0.4815% | 265 |
| Net operating income to assets | 2.0976% | 296 |
| Return on assets (ROA) | 2.0976% | 309 |
| Pretax return on assets | 2.1419% | 431 |
| Return on Equity (ROE) | 13.1221% | 1,021 |
| Retained earnings to average equity (ytd only) | 3.9523% | 3,493 |
| Net charge-offs to loans | 0.6766% | 284 |
| Credit loss provision to net charge-offs | 88.3392% | 2,556 |
| Earnings coverage of net charge-offs (x) | 4.8128% | 3,221 |
| Efficiency ratio | 48.4481% | 5,576 |
| Assets per employee ($millions) | 4.2735% | 3,461 |
| Cash dividends to net income (ytd only)* | 69.8807% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 1,490 |
| Loan loss allowance to noncurrent loans | 48.8666% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.8504% | 426 |
| Noncurrent loans to loans | 3.2621% | 426 |
| Net loans and leases to total assets | 83.6931% | 437 |
| Net loans and leases to deposits | 100.4282% | 681 |
| Net loans and leases to core deposits | 101.9762% | 1,484 |
| Total domestic deposits to total assets | 83.3363% | 3,470 |
| Equity capital to assets | 16.4941% | 487 |
| Core capital (leverage) ratio | 16.4448% | 425 |
| Tier 1 risk-based capital ratio | 19.7055% | 1,499 |
| Total risk-based capital ratio | 20.9587% | 1,468 |
| Memoranda: | ||
| Average total assets | $69,220,250 | 4,992 |
| Average earning assets | $65,176,500 | 4,953 |
| Average equity | $11,065,000 | 4,461 |
| Average total loans | $55,769,750 | 4,446 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2372% | 402 |
| Cost of funding earning assets | 0.5240% | 1,914 |
| Net interest margin | 4.7132% | 417 |
| Noninterest income to average assets | 0.4806% | 3,327 |
| Noninterest expense to average assets | 2.3999% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.4661% | 162 |
| Return on assets (ROA) | 2.4661% | 163 |
| Pretax return on assets | 2.5323% | 207 |
| Return on Equity (ROE) | 15.5903% | 596 |
| Retained earnings to average equity (ytd only) | 4.1113% | 3,288 |
| Net charge-offs to loans | 0.0036% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 880.0000% | 57 |
| Efficiency ratio | 48.6581% | 5,641 |
| Assets per employee ($millions) | 4.6139% | 2,850 |
| Cash dividends to net income (ytd only)* | 73.6289% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 1,257 |
| Loan loss allowance to noncurrent loans | 47.3346% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 3.0141% | 403 |
| Noncurrent loans to loans | 3.6122% | 360 |
| Net loans and leases to total assets | 79.6570% | 962 |
| Net loans and leases to deposits | 95.2405% | 1,162 |
| Net loans and leases to core deposits | 96.6836% | 1,919 |
| Total domestic deposits to total assets | 83.6377% | 3,405 |
| Equity capital to assets | 16.1629% | 521 |
| Core capital (leverage) ratio | 16.0954% | 455 |
| Tier 1 risk-based capital ratio | 19.5529% | 1,552 |
| Total risk-based capital ratio | 20.8078% | 1,512 |
| Memoranda: | ||
| Average total assets | $69,501,670 | 5,034 |
| Average earning assets | $65,645,330 | 4,990 |
| Average equity | $10,994,000 | 4,494 |
| Average total loans | $55,073,670 | 4,502 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1653% | 441 |
| Cost of funding earning assets | 0.5268% | 1,894 |
| Net interest margin | 4.6385% | 469 |
| Noninterest income to average assets | 0.5054% | 3,079 |
| Noninterest expense to average assets | 2.4064% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.3662% | 190 |
| Return on assets (ROA) | 2.3662% | 197 |
| Pretax return on assets | 2.4983% | 237 |
| Return on Equity (ROE) | 15.1220% | 652 |
| Retained earnings to average equity (ytd only) | -3.2667% | 5,497 |
| Net charge-offs to loans | -0.0147% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0632% | 5,676 |
| Assets per employee ($millions) | 5.0354% | 2,304 |
| Cash dividends to net income (ytd only)* | 121.6019% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 1,214 |
| Loan loss allowance to noncurrent loans | 82.0819% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.7476% | 1,082 |
| Noncurrent loans to loans | 2.1546% | 963 |
| Net loans and leases to total assets | 75.7983% | 1,422 |
| Net loans and leases to deposits | 89.7975% | 1,599 |
| Net loans and leases to core deposits | 92.7867% | 2,113 |
| Total domestic deposits to total assets | 84.4102% | 3,352 |
| Equity capital to assets | 15.4124% | 619 |
| Core capital (leverage) ratio | 15.5238% | 531 |
| Tier 1 risk-based capital ratio | 19.3651% | 1,638 |
| Total risk-based capital ratio | 20.6209% | 1,604 |
| Memoranda: | ||
| Average total assets | $69,648,500 | 5,075 |
| Average earning assets | $66,056,000 | 5,021 |
| Average equity | $10,898,000 | 4,528 |
| Average total loans | $54,566,500 | 4,538 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0171% | 607 |
| Cost of funding earning assets | 0.5255% | 1,955 |
| Net interest margin | 4.4916% | 668 |
| Noninterest income to average assets | 0.4719% | 3,518 |
| Noninterest expense to average assets | 2.4174% | 4,473 |
| Loan and lease loss provision to assets | 0.1550% | 1,510 |
| Net operating income to assets | 2.1342% | 277 |
| Return on assets (ROA) | 2.1342% | 285 |
| Pretax return on assets | 2.1624% | 375 |
| Return on Equity (ROE) | 14.5162% | 762 |
| Retained earnings to average equity (ytd only) | 7.5791% | 1,072 |
| Net charge-offs to loans | 0.1995% | 1,465 |
| Credit loss provision to net charge-offs | 102.8037% | 2,438 |
| Earnings coverage of net charge-offs (x) | 15.3738% | 2,206 |
| Efficiency ratio | 51.0562% | 5,703 |
| Assets per employee ($millions) | 4.5868% | 2,903 |
| Cash dividends to net income (ytd only)* | 47.7888% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 1,233 |
| Loan loss allowance to noncurrent loans | 113.7441% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.3546% | 1,551 |
| Noncurrent loans to loans | 1.5419% | 1,495 |
| Net loans and leases to total assets | 78.1620% | 1,096 |
| Net loans and leases to deposits | 93.1736% | 1,291 |
| Net loans and leases to core deposits | 96.4143% | 1,805 |
| Total domestic deposits to total assets | 83.8885% | 3,525 |
| Equity capital to assets | 15.8876% | 532 |
| Core capital (leverage) ratio | 15.6811% | 506 |
| Tier 1 risk-based capital ratio | 19.6943% | 1,547 |
| Total risk-based capital ratio | 20.9501% | 1,514 |
| Memoranda: | ||
| Average total assets | $70,986,800 | 5,068 |
| Average earning assets | $67,369,800 | 5,003 |
| Average equity | $10,436,600 | 4,580 |
| Average total loans | $53,637,000 | 4,565 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 709 |
| Cost of funding earning assets | 0.5263% | 1,992 |
| Net interest margin | 4.4087% | 781 |
| Noninterest income to average assets | 0.4678% | 3,583 |
| Noninterest expense to average assets | 2.2851% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.3299% | 208 |
| Return on assets (ROA) | 2.3299% | 214 |
| Pretax return on assets | 2.3672% | 304 |
| Return on Equity (ROE) | 16.1605% | 564 |
| Retained earnings to average equity (ytd only) | 6.8003% | 1,788 |
| Net charge-offs to loans | 0.1074% | 2,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 29.5358% | 1,512 |
| Efficiency ratio | 49.1186% | 5,820 |
| Assets per employee ($millions) | 4.6021% | 2,830 |
| Cash dividends to net income (ytd only)* | 57.9199% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 1,735 |
| Loan loss allowance to noncurrent loans | 70.6337% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.9817% | 1,040 |
| Noncurrent loans to loans | 2.2862% | 940 |
| Net loans and leases to total assets | 80.6681% | 728 |
| Net loans and leases to deposits | 95.5819% | 1,045 |
| Net loans and leases to core deposits | 98.8690% | 1,620 |
| Total domestic deposits to total assets | 84.3969% | 3,261 |
| Equity capital to assets | 15.4843% | 647 |
| Core capital (leverage) ratio | 15.2913% | 589 |
| Tier 1 risk-based capital ratio | 18.9348% | 1,789 |
| Total risk-based capital ratio | 20.1884% | 1,758 |
| Memoranda: | ||
| Average total assets | $71,533,000 | 5,116 |
| Average earning assets | $67,894,000 | 5,047 |
| Average equity | $10,313,000 | 4,651 |
| Average total loans | $53,362,000 | 4,622 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 977 |
| Cost of funding earning assets | 0.5206% | 2,065 |
| Net interest margin | 4.2372% | 1,028 |
| Noninterest income to average assets | 0.4505% | 3,704 |
| Noninterest expense to average assets | 2.2524% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1695% | 273 |
| Return on assets (ROA) | 2.1695% | 289 |
| Pretax return on assets | 2.2248% | 396 |
| Return on Equity (ROE) | 15.4108% | 676 |
| Retained earnings to average equity (ytd only) | 3.7496% | 3,621 |
| Net charge-offs to loans | 0.1033% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 29.8148% | 1,371 |
| Efficiency ratio | 50.3086% | 5,839 |
| Assets per employee ($millions) | 4.9571% | 2,327 |
| Cash dividends to net income (ytd only)* | 75.6688% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 1,466 |
| Loan loss allowance to noncurrent loans | 94.3205% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.5274% | 1,604 |
| Noncurrent loans to loans | 1.8668% | 1,351 |
| Net loans and leases to total assets | 74.7676% | 1,540 |
| Net loans and leases to deposits | 88.0532% | 1,832 |
| Net loans and leases to core deposits | 89.7825% | 2,370 |
| Total domestic deposits to total assets | 84.9119% | 3,153 |
| Equity capital to assets | 14.9152% | 719 |
| Core capital (leverage) ratio | 14.2738% | 769 |
| Tier 1 risk-based capital ratio | 19.4769% | 1,675 |
| Total risk-based capital ratio | 20.7326% | 1,643 |
| Memoranda: | ||
| Average total assets | $72,367,000 | 5,144 |
| Average earning assets | $68,772,330 | 5,066 |
| Average equity | $10,187,670 | 4,702 |
| Average total loans | $52,282,670 | 4,697 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 1,136 |
| Cost of funding earning assets | 0.5065% | 2,228 |
| Net interest margin | 4.1373% | 1,189 |
| Noninterest income to average assets | 0.4225% | 3,826 |
| Noninterest expense to average assets | 2.1936% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0582% | 307 |
| Return on assets (ROA) | 2.0582% | 324 |
| Pretax return on assets | 2.1665% | 415 |
| Return on Equity (ROE) | 15.0406% | 704 |
| Retained earnings to average equity (ytd only) | -3.3248% | 5,816 |
| Net charge-offs to loans | 0.2384% | 999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.9032% | 1,758 |
| Efficiency ratio | 50.3106% | 5,897 |
| Assets per employee ($millions) | 5.1365% | 2,185 |
| Cash dividends to net income (ytd only)* | 122.1053% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 1,448 |
| Loan loss allowance to noncurrent loans | 69.7289% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.7820% | 1,377 |
| Noncurrent loans to loans | 2.6131% | 915 |
| Net loans and leases to total assets | 64.7570% | 2,984 |
| Net loans and leases to deposits | 74.6235% | 3,215 |
| Net loans and leases to core deposits | 79.2471% | 3,259 |
| Total domestic deposits to total assets | 86.7784% | 2,512 |
| Equity capital to assets | 13.0789% | 1,356 |
| Core capital (leverage) ratio | 13.6882% | 905 |
| Tier 1 risk-based capital ratio | 19.2474% | 1,796 |
| Total risk-based capital ratio | 20.5030% | 1,757 |
| Memoranda: | ||
| Average total assets | $73,851,000 | 5,155 |
| Average earning assets | $70,288,000 | 5,082 |
| Average equity | $10,106,000 | 4,761 |
| Average total loans | $52,015,000 | 4,738 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9716% | 820 |
| Cost of funding earning assets | 0.5313% | 2,377 |
| Net interest margin | 4.4403% | 831 |
| Noninterest income to average assets | 0.4887% | 3,594 |
| Noninterest expense to average assets | 2.4509% | 4,705 |
| Loan and lease loss provision to assets | 0.1786% | 1,443 |
| Net operating income to assets | 2.0350% | 308 |
| Return on assets (ROA) | 2.0350% | 314 |
| Pretax return on assets | 2.0636% | 449 |
| Return on Equity (ROE) | 14.7412% | 823 |
| Retained earnings to average equity (ytd only) | 8.2091% | 943 |
| Net charge-offs to loans | 0.2161% | 1,938 |
| Credit loss provision to net charge-offs | 111.6071% | 2,136 |
| Earnings coverage of net charge-offs (x) | 14.0089% | 2,213 |
| Efficiency ratio | 52.2229% | 5,961 |
| Assets per employee ($millions) | 4.7103% | 2,716 |
| Cash dividends to net income (ytd only)* | 44.3118% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 1,540 |
| Loan loss allowance to noncurrent loans | 68.4060% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 2.0579% | 1,212 |
| Noncurrent loans to loans | 2.6292% | 938 |
| Net loans and leases to total assets | 73.9562% | 1,587 |
| Net loans and leases to deposits | 86.6048% | 1,901 |
| Net loans and leases to core deposits | 90.5802% | 2,226 |
| Total domestic deposits to total assets | 85.3950% | 3,128 |
| Equity capital to assets | 14.3446% | 856 |
| Core capital (leverage) ratio | 14.3382% | 744 |
| Tier 1 risk-based capital ratio | 19.7172% | 1,658 |
| Total risk-based capital ratio | 20.9734% | 1,624 |
| Memoranda: | ||
| Average total assets | $69,974,800 | 5,290 |
| Average earning assets | $66,257,000 | 5,218 |
| Average equity | $9,660,000 | 4,825 |
| Average total loans | $51,828,000 | 4,758 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 853 |
| Cost of funding earning assets | 0.5329% | 2,441 |
| Net interest margin | 4.4082% | 873 |
| Noninterest income to average assets | 0.4985% | 3,560 |
| Noninterest expense to average assets | 2.3035% | 5,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.3283% | 188 |
| Return on assets (ROA) | 2.3283% | 192 |
| Pretax return on assets | 2.3665% | 273 |
| Return on Equity (ROE) | 17.0344% | 542 |
| Retained earnings to average equity (ytd only) | 8.2167% | 1,258 |
| Net charge-offs to loans | -0.0337% | 5,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3252% | 6,125 |
| Assets per employee ($millions) | 4.5725% | 2,848 |
| Cash dividends to net income (ytd only)* | 51.7637% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 1,798 |
| Loan loss allowance to noncurrent loans | 70.4412% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.0879% | 1,346 |
| Noncurrent loans to loans | 2.4958% | 1,177 |
| Net loans and leases to total assets | 78.0527% | 955 |
| Net loans and leases to deposits | 91.3783% | 1,292 |
| Net loans and leases to core deposits | 95.2715% | 1,734 |
| Total domestic deposits to total assets | 85.4171% | 3,149 |
| Equity capital to assets | 14.4750% | 856 |
| Core capital (leverage) ratio | 14.2892% | 774 |
| Tier 1 risk-based capital ratio | 18.9332% | 1,921 |
| Total risk-based capital ratio | 20.1893% | 1,889 |
| Memoranda: | ||
| Average total assets | $69,805,000 | 5,348 |
| Average earning assets | $66,056,500 | 5,279 |
| Average equity | $9,541,250 | 4,892 |
| Average total loans | $51,482,500 | 4,813 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 1,030 |
| Cost of funding earning assets | 0.5269% | 2,568 |
| Net interest margin | 4.2968% | 1,031 |
| Noninterest income to average assets | 0.4985% | 3,494 |
| Noninterest expense to average assets | 2.3016% | 5,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2048% | 228 |
| Return on assets (ROA) | 2.2048% | 235 |
| Pretax return on assets | 2.2618% | 324 |
| Return on Equity (ROE) | 16.4465% | 608 |
| Retained earnings to average equity (ytd only) | 5.3972% | 2,700 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4370% | 6,152 |
| Assets per employee ($millions) | 4.6955% | 2,619 |
| Cash dividends to net income (ytd only)* | 67.1835% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 1,945 |
| Loan loss allowance to noncurrent loans | 81.0997% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.7563% | 1,853 |
| Noncurrent loans to loans | 2.1729% | 1,516 |
| Net loans and leases to total assets | 74.7178% | 1,348 |
| Net loans and leases to deposits | 86.6685% | 1,757 |
| Net loans and leases to core deposits | 90.6173% | 2,066 |
| Total domestic deposits to total assets | 86.2110% | 2,926 |
| Equity capital to assets | 13.6286% | 1,117 |
| Core capital (leverage) ratio | 13.4387% | 991 |
| Tier 1 risk-based capital ratio | 18.5259% | 2,057 |
| Total risk-based capital ratio | 19.7824% | 2,013 |
| Memoranda: | ||
| Average total assets | $70,211,000 | 5,383 |
| Average earning assets | $66,421,670 | 5,311 |
| Average equity | $9,412,330 | 4,931 |
| Average total loans | $50,479,330 | 4,881 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 971 |
| Cost of funding earning assets | 0.5236% | 2,671 |
| Net interest margin | 4.3154% | 970 |
| Noninterest income to average assets | 0.4964% | 3,438 |
| Noninterest expense to average assets | 2.2882% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1854% | 243 |
| Return on assets (ROA) | 2.1854% | 254 |
| Pretax return on assets | 2.2996% | 308 |
| Return on Equity (ROE) | 16.4395% | 599 |
| Retained earnings to average equity (ytd only) | -1.0731% | 5,740 |
| Net charge-offs to loans | -0.0082% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8756% | 6,261 |
| Assets per employee ($millions) | 4.7593% | 2,579 |
| Cash dividends to net income (ytd only)* | 106.5274% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 1,627 |
| Loan loss allowance to noncurrent loans | 89.8289% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.4736% | 2,401 |
| Noncurrent loans to loans | 2.1704% | 1,683 |
| Net loans and leases to total assets | 66.5709% | 2,472 |
| Net loans and leases to deposits | 76.6705% | 2,733 |
| Net loans and leases to core deposits | 80.0866% | 2,953 |
| Total domestic deposits to total assets | 86.8273% | 2,924 |
| Equity capital to assets | 13.0382% | 1,290 |
| Core capital (leverage) ratio | 13.2585% | 1,063 |
| Tier 1 risk-based capital ratio | 20.0730% | 1,698 |
| Total risk-based capital ratio | 21.3327% | 1,663 |
| Memoranda: | ||
| Average total assets | $70,100,000 | 5,442 |
| Average earning assets | $66,459,000 | 5,363 |
| Average equity | $9,319,000 | 4,971 |
| Average total loans | $48,934,000 | 4,971 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 966 |
| Cost of funding earning assets | 0.6111% | 2,560 |
| Net interest margin | 4.3612% | 970 |
| Noninterest income to average assets | 0.4597% | 4,021 |
| Noninterest expense to average assets | 2.3103% | 5,350 |
| Loan and lease loss provision to assets | 0.2401% | 1,508 |
| Net operating income to assets | 1.9088% | 389 |
| Return on assets (ROA) | 1.9088% | 401 |
| Pretax return on assets | 1.9379% | 556 |
| Return on Equity (ROE) | 14.7436% | 809 |
| Retained earnings to average equity (ytd only) | 8.2595% | 967 |
| Net charge-offs to loans | 0.3179% | 2,096 |
| Credit loss provision to net charge-offs | 104.4304% | 2,319 |
| Earnings coverage of net charge-offs (x) | 9.4747% | 2,499 |
| Efficiency ratio | 51.4749% | 6,340 |
| Assets per employee ($millions) | 4.5873% | 2,744 |
| Cash dividends to net income (ytd only)* | 43.9787% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 1,758 |
| Loan loss allowance to noncurrent loans | 84.4365% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.6248% | 2,283 |
| Noncurrent loans to loans | 2.2632% | 1,711 |
| Net loans and leases to total assets | 70.4171% | 1,951 |
| Net loans and leases to deposits | 81.6948% | 2,219 |
| Net loans and leases to core deposits | 85.5005% | 2,508 |
| Total domestic deposits to total assets | 86.1953% | 3,159 |
| Equity capital to assets | 13.5591% | 1,046 |
| Core capital (leverage) ratio | 13.3683% | 1,000 |
| Tier 1 risk-based capital ratio | 19.8044% | 1,696 |
| Total risk-based capital ratio | 21.0630% | 1,666 |
| Memoranda: | ||
| Average total assets | $68,735,400 | 5,516 |
| Average earning assets | $63,491,800 | 5,485 |
| Average equity | $8,898,800 | 5,111 |
| Average total loans | $49,698,800 | 4,971 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0453% | 856 |
| Cost of funding earning assets | 0.6304% | 2,545 |
| Net interest margin | 4.4150% | 863 |
| Noninterest income to average assets | 0.4579% | 4,097 |
| Noninterest expense to average assets | 2.1071% | 5,814 |
| Loan and lease loss provision to assets | 0.2231% | 1,628 |
| Net operating income to assets | 2.1382% | 287 |
| Return on assets (ROA) | 2.1382% | 297 |
| Pretax return on assets | 2.1770% | 410 |
| Return on Equity (ROE) | 16.7137% | 565 |
| Retained earnings to average equity (ytd only) | 7.9928% | 1,410 |
| Net charge-offs to loans | 0.3429% | 1,831 |
| Credit loss provision to net charge-offs | 89.8438% | 2,643 |
| Earnings coverage of net charge-offs (x) | 9.6642% | 2,453 |
| Efficiency ratio | 46.7499% | 6,561 |
| Assets per employee ($millions) | 4.6213% | 2,682 |
| Cash dividends to net income (ytd only)* | 52.1779% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 2,138 |
| Loan loss allowance to noncurrent loans | 73.2171% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.8205% | 2,243 |
| Noncurrent loans to loans | 2.5285% | 1,709 |
| Net loans and leases to total assets | 70.6694% | 1,841 |
| Net loans and leases to deposits | 81.4580% | 2,205 |
| Net loans and leases to core deposits | 85.1936% | 2,510 |
| Total domestic deposits to total assets | 86.7556% | 2,822 |
| Equity capital to assets | 13.1333% | 1,273 |
| Core capital (leverage) ratio | 13.3602% | 1,076 |
| Tier 1 risk-based capital ratio | 19.1904% | 1,929 |
| Total risk-based capital ratio | 20.4484% | 1,891 |
| Memoranda: | ||
| Average total assets | $68,716,750 | 5,573 |
| Average earning assets | $63,026,750 | 5,560 |
| Average equity | $8,791,000 | 5,191 |
| Average total loans | $49,774,000 | 5,017 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 750 |
| Cost of funding earning assets | 0.6600% | 2,403 |
| Net interest margin | 4.4561% | 771 |
| Noninterest income to average assets | 0.4408% | 4,244 |
| Noninterest expense to average assets | 2.0813% | 5,901 |
| Loan and lease loss provision to assets | 0.2481% | 1,505 |
| Net operating income to assets | 2.0930% | 307 |
| Return on assets (ROA) | 2.0930% | 322 |
| Pretax return on assets | 2.1513% | 454 |
| Return on Equity (ROE) | 16.5081% | 600 |
| Retained earnings to average equity (ytd only) | 5.8250% | 2,538 |
| Net charge-offs to loans | 0.3298% | 1,873 |
| Credit loss provision to net charge-offs | 103.6585% | 2,131 |
| Earnings coverage of net charge-offs (x) | 10.0244% | 2,204 |
| Efficiency ratio | 46.4495% | 6,617 |
| Assets per employee ($millions) | 4.5277% | 2,777 |
| Cash dividends to net income (ytd only)* | 64.7141% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 2,207 |
| Loan loss allowance to noncurrent loans | 77.1757% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.7934% | 2,426 |
| Noncurrent loans to loans | 2.4193% | 1,936 |
| Net loans and leases to total assets | 72.7453% | 1,443 |
| Net loans and leases to deposits | 83.7756% | 1,829 |
| Net loans and leases to core deposits | 88.0864% | 2,097 |
| Total domestic deposits to total assets | 86.8335% | 2,922 |
| Equity capital to assets | 13.0060% | 1,342 |
| Core capital (leverage) ratio | 12.8849% | 1,209 |
| Tier 1 risk-based capital ratio | 18.5959% | 2,112 |
| Total risk-based capital ratio | 19.8548% | 2,068 |
| Memoranda: | ||
| Average total assets | $68,515,670 | 5,619 |
| Average earning assets | $62,117,330 | 5,622 |
| Average equity | $8,686,670 | 5,250 |
| Average total loans | $49,728,000 | 5,034 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1880% | 615 |
| Cost of funding earning assets | 0.7000% | 2,206 |
| Net interest margin | 4.4880% | 691 |
| Noninterest income to average assets | 0.4476% | 4,131 |
| Noninterest expense to average assets | 1.9995% | 6,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.3192% | 195 |
| Return on assets (ROA) | 2.3192% | 215 |
| Pretax return on assets | 2.4355% | 295 |
| Return on Equity (ROE) | 18.5291% | 401 |
| Retained earnings to average equity (ytd only) | 1.3003% | 5,327 |
| Net charge-offs to loans | -0.0890% | 6,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0852% | 6,728 |
| Assets per employee ($millions) | 4.6768% | 2,690 |
| Cash dividends to net income (ytd only)* | 92.9825% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9548% | 2,161 |
| Loan loss allowance to noncurrent loans | 54.3890% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 2.4932% | 1,853 |
| Noncurrent loans to loans | 3.5941% | 1,324 |
| Net loans and leases to total assets | 67.7785% | 2,055 |
| Net loans and leases to deposits | 77.4057% | 2,431 |
| Net loans and leases to core deposits | 81.2162% | 2,667 |
| Total domestic deposits to total assets | 87.5627% | 2,595 |
| Equity capital to assets | 12.2919% | 1,842 |
| Core capital (leverage) ratio | 12.5280% | 1,326 |
| Tier 1 risk-based capital ratio | 18.7227% | 2,120 |
| Total risk-based capital ratio | 19.9822% | 2,093 |
| Memoranda: | ||
| Average total assets | $68,816,000 | 5,665 |
| Average earning assets | $61,141,000 | 5,705 |
| Average equity | $8,613,500 | 5,327 |
| Average total loans | $49,419,500 | 5,076 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1688% | 206 |
| Cost of funding earning assets | 0.8359% | 2,383 |
| Net interest margin | 5.3329% | 224 |
| Noninterest income to average assets | 0.4500% | 4,242 |
| Noninterest expense to average assets | 2.5504% | 4,927 |
| Loan and lease loss provision to assets | 0.3082% | 2,215 |
| Net operating income to assets | 2.1759% | 265 |
| Return on assets (ROA) | 2.1759% | 294 |
| Pretax return on assets | 2.2021% | 411 |
| Return on Equity (ROE) | 17.4218% | 502 |
| Retained earnings to average equity (ytd only) | 10.4259% | 521 |
| Net charge-offs to loans | 0.3299% | 2,994 |
| Credit loss provision to net charge-offs | 124.2236% | 2,290 |
| Earnings coverage of net charge-offs (x) | 10.1180% | 2,179 |
| Efficiency ratio | 50.3959% | 6,568 |
| Assets per employee ($millions) | 4.4987% | 2,961 |
| Cash dividends to net income (ytd only)* | 40.1558% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 2,415 |
| Loan loss allowance to noncurrent loans | 52.5224% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 2.7445% | 1,755 |
| Noncurrent loans to loans | 3.5437% | 1,399 |
| Net loans and leases to total assets | 73.2158% | 1,300 |
| Net loans and leases to deposits | 84.1039% | 1,744 |
| Net loans and leases to core deposits | 87.9783% | 2,087 |
| Total domestic deposits to total assets | 87.0539% | 2,814 |
| Equity capital to assets | 12.7504% | 1,567 |
| Core capital (leverage) ratio | 12.6732% | 1,249 |
| Tier 1 risk-based capital ratio | 17.4276% | 2,476 |
| Total risk-based capital ratio | 18.6848% | 2,448 |
| Memoranda: | ||
| Average total assets | $64,891,400 | 5,789 |
| Average earning assets | $56,104,600 | 5,862 |
| Average equity | $8,104,800 | 5,469 |
| Average total loans | $48,806,000 | 5,149 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0657% | 261 |
| Cost of funding earning assets | 0.8408% | 2,621 |
| Net interest margin | 5.2249% | 282 |
| Noninterest income to average assets | 0.4524% | 4,273 |
| Noninterest expense to average assets | 2.3887% | 5,431 |
| Loan and lease loss provision to assets | 0.1557% | 3,575 |
| Net operating income to assets | 2.4510% | 192 |
| Return on assets (ROA) | 2.4510% | 208 |
| Pretax return on assets | 2.4863% | 300 |
| Return on Equity (ROE) | 19.7322% | 342 |
| Retained earnings to average equity (ytd only) | 10.2921% | 837 |
| Net charge-offs to loans | 0.1239% | 4,137 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 28.2882% | 1,155 |
| Efficiency ratio | 47.4835% | 6,747 |
| Assets per employee ($millions) | 4.3659% | 3,136 |
| Cash dividends to net income (ytd only)* | 47.8404% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 2,764 |
| Loan loss allowance to noncurrent loans | 46.9873% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 3.1303% | 1,654 |
| Noncurrent loans to loans | 3.8552% | 1,356 |
| Net loans and leases to total assets | 76.8098% | 868 |
| Net loans and leases to deposits | 88.2352% | 1,321 |
| Net loans and leases to core deposits | 92.4244% | 1,738 |
| Total domestic deposits to total assets | 87.0513% | 2,636 |
| Equity capital to assets | 12.8312% | 1,686 |
| Core capital (leverage) ratio | 12.8526% | 1,250 |
| Tier 1 risk-based capital ratio | 16.7694% | 2,857 |
| Total risk-based capital ratio | 18.0265% | 2,810 |
| Memoranda: | ||
| Average total assets | $64,244,250 | 5,871 |
| Average earning assets | $56,293,500 | 5,924 |
| Average equity | $7,980,000 | 5,562 |
| Average total loans | $48,421,750 | 5,226 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0197% | 288 |
| Cost of funding earning assets | 0.8738% | 2,616 |
| Net interest margin | 5.1458% | 317 |
| Noninterest income to average assets | 0.4481% | 4,309 |
| Noninterest expense to average assets | 2.4064% | 5,435 |
| Loan and lease loss provision to assets | 0.2350% | 2,722 |
| Net operating income to assets | 2.2372% | 269 |
| Return on assets (ROA) | 2.2372% | 306 |
| Pretax return on assets | 2.2905% | 422 |
| Return on Equity (ROE) | 18.2166% | 483 |
| Retained earnings to average equity (ytd only) | 6.2253% | 2,552 |
| Net charge-offs to loans | 0.1306% | 3,882 |
| Credit loss provision to net charge-offs | 241.9355% | 1,184 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,181 |
| Efficiency ratio | 48.7929% | 6,724 |
| Assets per employee ($millions) | 4.0198% | 3,830 |
| Cash dividends to net income (ytd only)* | 65.8263% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 2,464 |
| Loan loss allowance to noncurrent loans | 86.9806% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.8005% | 3,039 |
| Noncurrent loans to loans | 2.2113% | 2,703 |
| Net loans and leases to total assets | 74.6832% | 1,144 |
| Net loans and leases to deposits | 85.4895% | 1,658 |
| Net loans and leases to core deposits | 89.6140% | 2,022 |
| Total domestic deposits to total assets | 87.3595% | 2,560 |
| Equity capital to assets | 12.4866% | 1,829 |
| Core capital (leverage) ratio | 12.3648% | 1,409 |
| Tier 1 risk-based capital ratio | 16.5354% | 2,895 |
| Total risk-based capital ratio | 17.7932% | 2,853 |
| Memoranda: | ||
| Average total assets | $63,829,330 | 5,922 |
| Average earning assets | $55,617,670 | 5,978 |
| Average equity | $7,839,000 | 5,624 |
| Average total loans | $47,485,670 | 5,286 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9903% | 309 |
| Cost of funding earning assets | 0.9109% | 2,600 |
| Net interest margin | 5.0793% | 355 |
| Noninterest income to average assets | 0.4404% | 4,368 |
| Noninterest expense to average assets | 2.3842% | 5,528 |
| Loan and lease loss provision to assets | 0.4718% | 1,298 |
| Net operating income to assets | 1.8621% | 525 |
| Return on assets (ROA) | 1.8621% | 599 |
| Pretax return on assets | 1.9690% | 781 |
| Return on Equity (ROE) | 15.2912% | 923 |
| Retained earnings to average equity (ytd only) | -4.1844% | 6,520 |
| Net charge-offs to loans | 0.1712% | 3,059 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 19.4000% | 1,229 |
| Efficiency ratio | 49.4133% | 6,713 |
| Assets per employee ($millions) | 4.3529% | 3,297 |
| Cash dividends to net income (ytd only)* | 127.3649% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0122% | 2,323 |
| Loan loss allowance to noncurrent loans | 90.4175% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.7444% | 3,244 |
| Noncurrent loans to loans | 2.2255% | 2,892 |
| Net loans and leases to total assets | 71.0765% | 1,559 |
| Net loans and leases to deposits | 80.7138% | 2,096 |
| Net loans and leases to core deposits | 84.5072% | 2,478 |
| Total domestic deposits to total assets | 88.0600% | 2,277 |
| Equity capital to assets | 11.7838% | 2,197 |
| Core capital (leverage) ratio | 12.0212% | 1,572 |
| Tier 1 risk-based capital ratio | 16.1474% | 3,099 |
| Total risk-based capital ratio | 17.4067% | 3,057 |
| Memoranda: | ||
| Average total assets | $63,585,500 | 5,966 |
| Average earning assets | $54,889,000 | 6,040 |
| Average equity | $7,743,000 | 5,676 |
| Average total loans | $46,740,500 | 5,352 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2086% | 298 |
| Cost of funding earning assets | 1.0792% | 2,812 |
| Net interest margin | 5.1294% | 323 |
| Noninterest income to average assets | 0.5032% | 3,824 |
| Noninterest expense to average assets | 2.5175% | 5,410 |
| Loan and lease loss provision to assets | 0.5628% | 1,855 |
| Net operating income to assets | 1.7727% | 484 |
| Return on assets (ROA) | 1.7727% | 525 |
| Pretax return on assets | 1.7892% | 817 |
| Return on Equity (ROE) | 14.4021% | 842 |
| Retained earnings to average equity (ytd only) | 6.7775% | 1,601 |
| Net charge-offs to loans | 0.3818% | 3,500 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 8.3588% | 2,162 |
| Efficiency ratio | 51.6995% | 6,724 |
| Assets per employee ($millions) | 4.1252% | 3,596 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9471% | 2,424 |
| Loan loss allowance to noncurrent loans | 93.8349% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.6840% | 3,424 |
| Noncurrent loans to loans | 2.0750% | 3,104 |
| Net loans and leases to total assets | 73.0825% | 1,439 |
| Net loans and leases to deposits | 83.8563% | 1,944 |
| Net loans and leases to core deposits | 87.0910% | 2,492 |
| Total domestic deposits to total assets | 87.1521% | 2,670 |
| Equity capital to assets | 12.5925% | 1,752 |
| Core capital (leverage) ratio | 12.4002% | 1,392 |
| Tier 1 risk-based capital ratio | 16.6857% | 2,739 |
| Total risk-based capital ratio | 17.9432% | 2,699 |
| Memoranda: | ||
| Average total assets | $60,417,200 | 6,023 |
| Average earning assets | $51,428,600 | 6,145 |
| Average equity | $7,436,400 | 5,739 |
| Average total loans | $44,527,400 | 5,492 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1950% | 328 |
| Cost of funding earning assets | 1.1175% | 2,859 |
| Net interest margin | 5.0775% | 357 |
| Noninterest income to average assets | 0.5107% | 3,793 |
| Noninterest expense to average assets | 2.3890% | 5,793 |
| Loan and lease loss provision to assets | 0.4996% | 1,988 |
| Net operating income to assets | 1.8872% | 437 |
| Return on assets (ROA) | 1.8872% | 474 |
| Pretax return on assets | 1.9094% | 762 |
| Return on Equity (ROE) | 15.4244% | 760 |
| Retained earnings to average equity (ytd only) | 5.1717% | 3,080 |
| Net charge-offs to loans | 0.1571% | 4,518 |
| Credit loss provision to net charge-offs | 432.6923% | 649 |
| Earnings coverage of net charge-offs (x) | 20.8659% | 1,204 |
| Efficiency ratio | 49.7918% | 6,844 |
| Assets per employee ($millions) | 4.1450% | 3,553 |
| Cash dividends to net income (ytd only)* | 66.4699% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 2,447 |
| Loan loss allowance to noncurrent loans | 85.8913% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 3,333 |
| Noncurrent loans to loans | 2.2807% | 3,023 |
| Net loans and leases to total assets | 72.5275% | 1,604 |
| Net loans and leases to deposits | 82.7367% | 2,219 |
| Net loans and leases to core deposits | 85.8868% | 2,786 |
| Total domestic deposits to total assets | 87.6606% | 2,260 |
| Equity capital to assets | 12.2043% | 2,097 |
| Core capital (leverage) ratio | 12.5392% | 1,419 |
| Tier 1 risk-based capital ratio | 16.4069% | 2,908 |
| Total risk-based capital ratio | 17.6641% | 2,874 |
| Memoranda: | ||
| Average total assets | $60,052,000 | 6,082 |
| Average earning assets | $50,706,500 | 6,212 |
| Average equity | $7,347,500 | 5,801 |
| Average total loans | $44,129,250 | 5,554 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0072% | 475 |
| Cost of funding earning assets | 1.1628% | 2,828 |
| Net interest margin | 4.8444% | 563 |
| Noninterest income to average assets | 0.5055% | 3,819 |
| Noninterest expense to average assets | 2.4198% | 5,783 |
| Loan and lease loss provision to assets | 0.5055% | 1,937 |
| Net operating income to assets | 1.6885% | 615 |
| Return on assets (ROA) | 1.6885% | 664 |
| Pretax return on assets | 1.7222% | 1,008 |
| Return on Equity (ROE) | 13.7877% | 1,019 |
| Retained earnings to average equity (ytd only) | 0.7981% | 5,540 |
| Net charge-offs to loans | 0.0322% | 5,395 |
| Credit loss provision to net charge-offs | 2,142.8571% | 154 |
| Earnings coverage of net charge-offs (x) | 94.4286% | 379 |
| Efficiency ratio | 52.0667% | 6,782 |
| Assets per employee ($millions) | 3.9769% | 3,801 |
| Cash dividends to net income (ytd only)* | 94.2116% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9968% | 2,380 |
| Loan loss allowance to noncurrent loans | 78.1362% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.8708% | 3,407 |
| Noncurrent loans to loans | 2.5556% | 2,823 |
| Net loans and leases to total assets | 71.7432% | 1,833 |
| Net loans and leases to deposits | 81.9379% | 2,466 |
| Net loans and leases to core deposits | 84.7717% | 3,102 |
| Total domestic deposits to total assets | 87.5580% | 2,435 |
| Equity capital to assets | 12.2861% | 1,913 |
| Core capital (leverage) ratio | 12.0498% | 1,573 |
| Tier 1 risk-based capital ratio | 16.7567% | 2,627 |
| Total risk-based capital ratio | 18.0146% | 2,578 |
| Memoranda: | ||
| Average total assets | $59,344,330 | 6,165 |
| Average earning assets | $50,739,330 | 6,267 |
| Average equity | $7,267,330 | 5,851 |
| Average total loans | $43,507,330 | 5,631 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0702% | 425 |
| Cost of funding earning assets | 1.2252% | 2,652 |
| Net interest margin | 4.8450% | 519 |
| Noninterest income to average assets | 0.5001% | 3,887 |
| Noninterest expense to average assets | 2.3855% | 5,926 |
| Loan and lease loss provision to assets | 0.5068% | 1,713 |
| Net operating income to assets | 1.6557% | 620 |
| Return on assets (ROA) | 1.6557% | 651 |
| Pretax return on assets | 1.7233% | 945 |
| Return on Equity (ROE) | 13.5425% | 1,079 |
| Retained earnings to average equity (ytd only) | -7.4069% | 6,705 |
| Net charge-offs to loans | -0.4882% | 7,407 |
| Credit loss provision to net charge-offs | -141.5094% | 5,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6837% | 6,878 |
| Assets per employee ($millions) | 4.0629% | 3,710 |
| Cash dividends to net income (ytd only)* | 154.6939% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0270% | 2,334 |
| Loan loss allowance to noncurrent loans | 78.0310% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.8000% | 3,568 |
| Noncurrent loans to loans | 2.5977% | 2,899 |
| Net loans and leases to total assets | 67.8869% | 2,572 |
| Net loans and leases to deposits | 77.0834% | 3,236 |
| Net loans and leases to core deposits | 79.6600% | 3,802 |
| Total domestic deposits to total assets | 88.0694% | 2,338 |
| Equity capital to assets | 11.7567% | 2,073 |
| Core capital (leverage) ratio | 11.8165% | 1,669 |
| Tier 1 risk-based capital ratio | 16.6976% | 2,590 |
| Total risk-based capital ratio | 17.9564% | 2,558 |
| Memoranda: | ||
| Average total assets | $59,190,000 | 6,209 |
| Average earning assets | $50,278,500 | 6,332 |
| Average equity | $7,236,500 | 5,862 |
| Average total loans | $43,426,500 | 5,688 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6496% | 249 |
| Cost of funding earning assets | 1.4039% | 3,245 |
| Net interest margin | 5.2457% | 262 |
| Noninterest income to average assets | 0.5410% | 3,880 |
| Noninterest expense to average assets | 2.6324% | 5,285 |
| Loan and lease loss provision to assets | 0.9574% | 1,701 |
| Net operating income to assets | 1.6992% | 518 |
| Return on assets (ROA) | 1.6992% | 561 |
| Pretax return on assets | 1.7233% | 899 |
| Return on Equity (ROE) | 12.8173% | 1,141 |
| Retained earnings to average equity (ytd only) | 4.2210% | 2,888 |
| Net charge-offs to loans | 1.1631% | 1,920 |
| Credit loss provision to net charge-offs | 104.0404% | 4,322 |
| Earnings coverage of net charge-offs (x) | 2.9131% | 3,619 |
| Efficiency ratio | 49.5451% | 7,161 |
| Assets per employee ($millions) | 4.1026% | 3,574 |
| Cash dividends to net income (ytd only)* | 67.0678% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 3,459 |
| Loan loss allowance to noncurrent loans | 61.0226% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.0771% | 3,251 |
| Noncurrent loans to loans | 2.6734% | 2,844 |
| Net loans and leases to total assets | 76.4259% | 1,199 |
| Net loans and leases to deposits | 87.8271% | 1,817 |
| Net loans and leases to core deposits | 90.9875% | 2,621 |
| Total domestic deposits to total assets | 87.0186% | 2,813 |
| Equity capital to assets | 12.7237% | 1,515 |
| Core capital (leverage) ratio | 12.5445% | 1,296 |
| Tier 1 risk-based capital ratio | 16.5216% | 2,513 |
| Total risk-based capital ratio | 17.7759% | 2,484 |
| Memoranda: | ||
| Average total assets | $53,791,600 | 6,411 |
| Average earning assets | $48,935,000 | 6,408 |
| Average equity | $7,131,000 | 5,987 |
| Average total loans | $42,558,400 | 5,813 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7253% | 226 |
| Cost of funding earning assets | 1.4435% | 3,306 |
| Net interest margin | 5.2818% | 252 |
| Noninterest income to average assets | 0.5597% | 3,711 |
| Noninterest expense to average assets | 2.5239% | 5,624 |
| Loan and lease loss provision to assets | 0.5547% | 2,728 |
| Net operating income to assets | 2.2642% | 207 |
| Return on assets (ROA) | 2.2642% | 223 |
| Pretax return on assets | 2.2969% | 342 |
| Return on Equity (ROE) | 16.8949% | 598 |
| Retained earnings to average equity (ytd only) | 5.3620% | 2,730 |
| Net charge-offs to loans | 0.3964% | 3,699 |
| Credit loss provision to net charge-offs | 176.0000% | 2,094 |
| Earnings coverage of net charge-offs (x) | 9.0481% | 2,072 |
| Efficiency ratio | 46.9512% | 7,336 |
| Assets per employee ($millions) | 4.0005% | 3,836 |
| Cash dividends to net income (ytd only)* | 68.2628% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 2,748 |
| Loan loss allowance to noncurrent loans | 48.3444% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 2.9657% | 2,449 |
| Noncurrent loans to loans | 3.7471% | 2,064 |
| Net loans and leases to total assets | 77.7135% | 1,087 |
| Net loans and leases to deposits | 89.5705% | 1,775 |
| Net loans and leases to core deposits | 92.8712% | 2,676 |
| Total domestic deposits to total assets | 86.7624% | 2,658 |
| Equity capital to assets | 13.0609% | 1,545 |
| Core capital (leverage) ratio | 13.4903% | 1,063 |
| Tier 1 risk-based capital ratio | 16.6921% | 2,466 |
| Total risk-based capital ratio | 17.9484% | 2,425 |
| Memoranda: | ||
| Average total assets | $52,880,500 | 6,511 |
| Average earning assets | $48,215,000 | 6,498 |
| Average equity | $7,086,750 | 6,084 |
| Average total loans | $42,042,000 | 5,917 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6582% | 266 |
| Cost of funding earning assets | 1.4670% | 3,449 |
| Net interest margin | 5.1912% | 289 |
| Noninterest income to average assets | 0.5710% | 3,537 |
| Noninterest expense to average assets | 2.5965% | 5,342 |
| Loan and lease loss provision to assets | 0.3472% | 3,641 |
| Net operating income to assets | 2.3419% | 183 |
| Return on assets (ROA) | 2.3419% | 196 |
| Pretax return on assets | 2.3921% | 285 |
| Return on Equity (ROE) | 17.3165% | 540 |
| Retained earnings to average equity (ytd only) | 2.4819% | 4,574 |
| Net charge-offs to loans | 0.2326% | 4,210 |
| Credit loss provision to net charge-offs | 187.5000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 14.7917% | 1,501 |
| Efficiency ratio | 48.6623% | 7,309 |
| Assets per employee ($millions) | 3.9816% | 3,805 |
| Cash dividends to net income (ytd only)* | 85.6672% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 2,881 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.6564% | 2,715 |
| Noncurrent loans to loans | 3.2177% | 2,488 |
| Net loans and leases to total assets | 81.1093% | 657 |
| Net loans and leases to deposits | 94.2020% | 1,249 |
| Net loans and leases to core deposits | 97.9972% | 2,229 |
| Total domestic deposits to total assets | 86.1015% | 3,028 |
| Equity capital to assets | 13.7420% | 1,260 |
| Core capital (leverage) ratio | 13.4200% | 1,089 |
| Tier 1 risk-based capital ratio | 17.3487% | 2,153 |
| Total risk-based capital ratio | 18.6049% | 2,113 |
| Memoranda: | ||
| Average total assets | $51,838,330 | 6,591 |
| Average earning assets | $47,580,330 | 6,567 |
| Average equity | $7,010,670 | 6,135 |
| Average total loans | $41,280,000 | 5,997 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7823% | 228 |
| Cost of funding earning assets | 1.5148% | 3,459 |
| Net interest margin | 5.2675% | 256 |
| Noninterest income to average assets | 0.5706% | 3,483 |
| Noninterest expense to average assets | 2.5753% | 5,453 |
| Loan and lease loss provision to assets | 0.3470% | 3,300 |
| Net operating income to assets | 2.2669% | 226 |
| Return on assets (ROA) | 2.2669% | 251 |
| Pretax return on assets | 2.3671% | 314 |
| Return on Equity (ROE) | 16.8978% | 617 |
| Retained earnings to average equity (ytd only) | -7.4718% | 6,786 |
| Net charge-offs to loans | 0.1677% | 3,921 |
| Credit loss provision to net charge-offs | 264.7059% | 1,486 |
| Earnings coverage of net charge-offs (x) | 20.7059% | 1,148 |
| Efficiency ratio | 48.6880% | 7,395 |
| Assets per employee ($millions) | 3.7511% | 4,428 |
| Cash dividends to net income (ytd only)* | 144.2177% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 2,719 |
| Loan loss allowance to noncurrent loans | 52.9116% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 2.6487% | 2,750 |
| Noncurrent loans to loans | 3.4080% | 2,341 |
| Net loans and leases to total assets | 76.3196% | 1,476 |
| Net loans and leases to deposits | 88.0492% | 2,218 |
| Net loans and leases to core deposits | 91.4943% | 3,169 |
| Total domestic deposits to total assets | 86.6783% | 2,796 |
| Equity capital to assets | 13.1217% | 1,475 |
| Core capital (leverage) ratio | 13.0475% | 1,200 |
| Tier 1 risk-based capital ratio | 17.3336% | 2,133 |
| Total risk-based capital ratio | 18.5901% | 2,095 |
| Memoranda: | ||
| Average total assets | $51,877,000 | 6,669 |
| Average earning assets | $46,474,000 | 6,682 |
| Average equity | $6,959,500 | 6,203 |
| Average total loans | $40,553,500 | 6,098 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9606% | 296 |
| Cost of funding earning assets | 1.7578% | 4,212 |
| Net interest margin | 5.2029% | 290 |
| Noninterest income to average assets | 0.5326% | 4,156 |
| Noninterest expense to average assets | 2.7169% | 5,311 |
| Loan and lease loss provision to assets | 0.5984% | 3,399 |
| Net operating income to assets | 2.0467% | 209 |
| Return on assets (ROA) | 2.0467% | 226 |
| Pretax return on assets | 2.0766% | 349 |
| Return on Equity (ROE) | 15.3153% | 627 |
| Retained earnings to average equity (ytd only) | 5.7320% | 1,456 |
| Net charge-offs to loans | 0.4497% | 3,985 |
| Credit loss provision to net charge-offs | 172.4138% | 2,463 |
| Earnings coverage of net charge-offs (x) | 7.7069% | 2,091 |
| Efficiency ratio | 50.3885% | 7,515 |
| Assets per employee ($millions) | 3.6599% | 4,622 |
| Cash dividends to net income (ytd only)* | 62.5731% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 2,680 |
| Loan loss allowance to noncurrent loans | 74.1361% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.8639% | 3,579 |
| Noncurrent loans to loans | 2.3703% | 3,205 |
| Net loans and leases to total assets | 77.2532% | 1,532 |
| Net loans and leases to deposits | 89.8654% | 2,230 |
| Net loans and leases to core deposits | 111.0759% | 2,791 |
| Total domestic deposits to total assets | 85.9655% | 3,040 |
| Equity capital to assets | 13.7164% | 1,249 |
| Core capital (leverage) ratio | 13.4812% | 1,095 |
| Tier 1 risk-based capital ratio | 18.0253% | 1,886 |
| Total risk-based capital ratio | 19.2816% | 1,846 |
| Memoranda: | ||
| Average total assets | $50,130,200 | 6,701 |
| Average earning assets | $46,820,400 | 6,648 |
| Average equity | $6,699,200 | 6,367 |
| Average total loans | $38,695,200 | 6,170 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9505% | 325 |
| Cost of funding earning assets | 1.8202% | 4,289 |
| Net interest margin | 5.1302% | 340 |
| Noninterest income to average assets | 0.5643% | 3,977 |
| Noninterest expense to average assets | 2.5487% | 5,899 |
| Loan and lease loss provision to assets | 0.6151% | 2,930 |
| Net operating income to assets | 2.1770% | 189 |
| Return on assets (ROA) | 2.1770% | 212 |
| Pretax return on assets | 2.2171% | 330 |
| Return on Equity (ROE) | 16.4018% | 607 |
| Retained earnings to average equity (ytd only) | 3.4658% | 3,360 |
| Net charge-offs to loans | 0.4770% | 3,319 |
| Credit loss provision to net charge-offs | 167.8832% | 2,788 |
| Earnings coverage of net charge-offs (x) | 7.7300% | 2,360 |
| Efficiency ratio | 47.3658% | 7,696 |
| Assets per employee ($millions) | 3.6783% | 4,483 |
| Cash dividends to net income (ytd only)* | 78.8696% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 2,594 |
| Loan loss allowance to noncurrent loans | 84.2697% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.5555% | 4,033 |
| Noncurrent loans to loans | 2.0272% | 3,603 |
| Net loans and leases to total assets | 75.4175% | 2,121 |
| Net loans and leases to deposits | 87.1293% | 3,126 |
| Net loans and leases to core deposits | 105.5497% | 3,748 |
| Total domestic deposits to total assets | 86.5582% | 2,402 |
| Equity capital to assets | 13.2127% | 1,618 |
| Core capital (leverage) ratio | 13.1341% | 1,342 |
| Tier 1 risk-based capital ratio | 17.7044% | 2,074 |
| Total risk-based capital ratio | 18.9587% | 2,017 |
| Memoranda: | ||
| Average total assets | $49,853,250 | 6,767 |
| Average earning assets | $46,806,250 | 6,697 |
| Average equity | $6,617,000 | 6,444 |
| Average total loans | $38,296,250 | 6,234 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0869% | 272 |
| Cost of funding earning assets | 1.9210% | 4,158 |
| Net interest margin | 5.1659% | 315 |
| Noninterest income to average assets | 0.5557% | 3,986 |
| Noninterest expense to average assets | 2.5677% | 5,870 |
| Loan and lease loss provision to assets | 0.5273% | 2,915 |
| Net operating income to assets | 2.2431% | 178 |
| Return on assets (ROA) | 2.2431% | 198 |
| Pretax return on assets | 2.3040% | 295 |
| Return on Equity (ROE) | 16.8735% | 595 |
| Retained earnings to average equity (ytd only) | 0.1221% | 5,156 |
| Net charge-offs to loans | 0.6756% | 2,349 |
| Credit loss provision to net charge-offs | 101.5625% | 4,500 |
| Earnings coverage of net charge-offs (x) | 5.4531% | 2,833 |
| Efficiency ratio | 47.5582% | 7,774 |
| Assets per employee ($millions) | 3.6256% | 4,507 |
| Cash dividends to net income (ytd only)* | 99.2767% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 3,150 |
| Loan loss allowance to noncurrent loans | 97.9866% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.1742% | 4,594 |
| Noncurrent loans to loans | 1.5373% | 4,193 |
| Net loans and leases to total assets | 75.2295% | 2,386 |
| Net loans and leases to deposits | 86.7191% | 3,414 |
| Net loans and leases to core deposits | 106.8530% | 3,736 |
| Total domestic deposits to total assets | 86.7509% | 2,379 |
| Equity capital to assets | 13.0285% | 1,677 |
| Core capital (leverage) ratio | 13.0125% | 1,428 |
| Tier 1 risk-based capital ratio | 17.6586% | 2,098 |
| Total risk-based capital ratio | 18.9121% | 2,053 |
| Memoranda: | ||
| Average total assets | $49,305,670 | 6,860 |
| Average earning assets | $46,226,000 | 6,789 |
| Average equity | $6,554,670 | 6,516 |
| Average total loans | $37,891,000 | 6,300 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2545% | 236 |
| Cost of funding earning assets | 2.0299% | 3,989 |
| Net interest margin | 5.2247% | 271 |
| Noninterest income to average assets | 0.5928% | 3,600 |
| Noninterest expense to average assets | 2.5360% | 5,708 |
| Loan and lease loss provision to assets | 0.3705% | 3,105 |
| Net operating income to assets | 2.4372% | 148 |
| Return on assets (ROA) | 2.4372% | 180 |
| Pretax return on assets | 2.5608% | 229 |
| Return on Equity (ROE) | 18.1442% | 583 |
| Retained earnings to average equity (ytd only) | -9.5012% | 7,058 |
| Net charge-offs to loans | 0.2884% | 2,964 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 13.1852% | 1,747 |
| Efficiency ratio | 46.3855% | 7,829 |
| Assets per employee ($millions) | 3.4846% | 4,858 |
| Cash dividends to net income (ytd only)* | 152.3649% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 2,495 |
| Loan loss allowance to noncurrent loans | 88.1057% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 3,856 |
| Noncurrent loans to loans | 1.8214% | 3,530 |
| Net loans and leases to total assets | 75.4084% | 2,408 |
| Net loans and leases to deposits | 87.1609% | 3,442 |
| Net loans and leases to core deposits | 105.2951% | 3,994 |
| Total domestic deposits to total assets | 86.5163% | 2,434 |
| Equity capital to assets | 13.2069% | 1,655 |
| Core capital (leverage) ratio | 13.1302% | 1,442 |
| Tier 1 risk-based capital ratio | 17.8674% | 2,092 |
| Total risk-based capital ratio | 19.1227% | 2,034 |
| Memoranda: | ||
| Average total assets | $48,579,500 | 6,922 |
| Average earning assets | $45,323,500 | 6,868 |
| Average equity | $6,525,500 | 6,577 |
| Average total loans | $37,452,000 | 6,356 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7307% | 264 |
| Cost of funding earning assets | 2.4555% | 4,443 |
| Net interest margin | 5.2752% | 294 |
| Noninterest income to average assets | 0.7201% | 2,987 |
| Noninterest expense to average assets | 2.8716% | 4,535 |
| Loan and lease loss provision to assets | 0.3656% | 3,496 |
| Net operating income to assets | 2.4573% | 139 |
| Return on assets (ROA) | 2.4573% | 138 |
| Pretax return on assets | 2.4905% | 198 |
| Return on Equity (ROE) | 16.9868% | 640 |
| Retained earnings to average equity (ytd only) | -15.8227% | 7,512 |
| Net charge-offs to loans | 0.2719% | 3,596 |
| Credit loss provision to net charge-offs | 165.0000% | 3,118 |
| Earnings coverage of net charge-offs (x) | 12.8900% | 2,193 |
| Efficiency ratio | 50.1354% | 7,654 |
| Assets per employee ($millions) | 3.4553% | 4,786 |
| Cash dividends to net income (ytd only)* | 193.1470% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 2,443 |
| Loan loss allowance to noncurrent loans | 102.2847% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1763% | 3,906 |
| Noncurrent loans to loans | 1.5167% | 3,516 |
| Net loans and leases to total assets | 76.3509% | 2,530 |
| Net loans and leases to deposits | 88.8862% | 3,653 |
| Net loans and leases to core deposits | 106.5701% | 4,125 |
| Total domestic deposits to total assets | 85.8974% | 2,452 |
| Equity capital to assets | 13.6602% | 1,549 |
| Core capital (leverage) ratio | 14.1566% | 1,226 |
| Tier 1 risk-based capital ratio | 18.3608% | 1,948 |
| Total risk-based capital ratio | 19.6146% | 1,893 |
| Memoranda: | ||
| Average total assets | $45,131,000 | 6,986 |
| Average earning assets | $42,842,000 | 6,907 |
| Average equity | $6,528,600 | 6,633 |
| Average total loans | $36,779,200 | 6,330 |