Home > First State Bank of Forsyth > Performance and Condition Ratios
First State Bank of Forsyth, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 2,577 |
| Cost of funding earning assets | 1.4165% | 2,184 |
| Net interest margin | 3.3312% | 2,557 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.5798% | 4,264 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.2441% | 1,549 |
| Return on assets (ROA) | 1.2135% | 1,587 |
| Pretax return on assets | 1.5398% | 1,342 |
| Return on Equity (ROE) | 19.2200% | 689 |
| Retained earnings to average equity (ytd only) | -1.7847% | 4,256 |
| Net charge-offs to loans | 0.2374% | 453 |
| Credit loss provision to net charge-offs | 170.5202% | 1,349 |
| Earnings coverage of net charge-offs (x) | 15.6301% | 2,037 |
| Efficiency ratio | 47.1359% | 4,141 |
| Assets per employee ($millions) | 8.5271% | 1,169 |
| Cash dividends to net income (ytd only)* | 109.2873% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3488% | 238 |
| Loan loss allowance to noncurrent loans | 146.7061% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 664 |
| Noncurrent loans to loans | 1.6010% | 407 |
| Net loans and leases to total assets | 47.0500% | 3,775 |
| Net loans and leases to deposits | 56.9887% | 3,665 |
| Net loans and leases to core deposits | 60.1842% | 3,757 |
| Total domestic deposits to total assets | 82.5600% | 3,000 |
| Equity capital to assets | 7.0240% | 3,928 |
| Core capital (leverage) ratio | 10.4200% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $152,614,200 | 3,337 |
| Average earning assets | $145,712,200 | 3,290 |
| Average equity | $9,637,400 | 3,761 |
| Average total loans | $72,870,400 | 3,511 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 2,918 |
| Cost of funding earning assets | 1.2718% | 2,219 |
| Net interest margin | 3.2281% | 2,856 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.5809% | 4,256 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.1726% | 1,874 |
| Return on assets (ROA) | 1.1505% | 1,901 |
| Pretax return on assets | 1.4926% | 1,570 |
| Return on Equity (ROE) | 18.7500% | 850 |
| Retained earnings to average equity (ytd only) | -8.9110% | 4,493 |
| Net charge-offs to loans | 0.0422% | 1,282 |
| Credit loss provision to net charge-offs | 739.1304% | 495 |
| Earnings coverage of net charge-offs (x) | 82.9565% | 1,030 |
| Efficiency ratio | 48.6406% | 4,006 |
| Assets per employee ($millions) | 8.8577% | 983 |
| Cash dividends to net income (ytd only)* | 147.5285% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2591% | 271 |
| Loan loss allowance to noncurrent loans | 127.3121% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 625 |
| Noncurrent loans to loans | 1.7745% | 370 |
| Net loans and leases to total assets | 47.8100% | 3,751 |
| Net loans and leases to deposits | 60.9033% | 3,455 |
| Net loans and leases to core deposits | 64.2240% | 3,515 |
| Total domestic deposits to total assets | 78.5100% | 3,762 |
| Equity capital to assets | 5.0364% | 4,240 |
| Core capital (leverage) ratio | 10.3504% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $152,396,000 | 3,347 |
| Average earning assets | $145,508,750 | 3,302 |
| Average equity | $9,351,500 | 3,785 |
| Average total loans | $72,600,000 | 3,521 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4125% | 2,857 |
| Cost of funding earning assets | 1.0143% | 2,555 |
| Net interest margin | 3.3982% | 2,521 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.5635% | 4,286 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.3022% | 1,565 |
| Return on assets (ROA) | 1.3022% | 1,550 |
| Pretax return on assets | 1.7221% | 1,161 |
| Return on Equity (ROE) | 19.9600% | 709 |
| Retained earnings to average equity (ytd only) | -16.8096% | 4,568 |
| Net charge-offs to loans | 0.0508% | 1,005 |
| Credit loss provision to net charge-offs | 555.5556% | 605 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 1,069 |
| Efficiency ratio | 45.7310% | 4,175 |
| Assets per employee ($millions) | 8.5746% | 1,058 |
| Cash dividends to net income (ytd only)* | 184.2375% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2471% | 285 |
| Loan loss allowance to noncurrent loans | 150.0442% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 699 |
| Noncurrent loans to loans | 1.4976% | 443 |
| Net loans and leases to total assets | 47.8300% | 3,698 |
| Net loans and leases to deposits | 61.2341% | 3,352 |
| Net loans and leases to core deposits | 64.2842% | 3,434 |
| Total domestic deposits to total assets | 78.1100% | 3,836 |
| Equity capital to assets | 5.8973% | 4,190 |
| Core capital (leverage) ratio | 10.3065% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $150,048,333 | 3,380 |
| Average earning assets | $143,545,333 | 3,329 |
| Average equity | $9,792,000 | 3,767 |
| Average total loans | $70,802,000 | 3,547 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 2,863 |
| Cost of funding earning assets | 0.7857% | 2,789 |
| Net interest margin | 3.4894% | 2,393 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.6173% | 4,285 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.3739% | 1,475 |
| Return on assets (ROA) | 1.3739% | 1,450 |
| Pretax return on assets | 1.7525% | 1,170 |
| Return on Equity (ROE) | 20.0500% | 762 |
| Retained earnings to average equity (ytd only) | 20.0454% | 376 |
| Net charge-offs to loans | 0.0584% | 791 |
| Credit loss provision to net charge-offs | 600.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 70.8000% | 946 |
| Efficiency ratio | 45.7887% | 4,228 |
| Assets per employee ($millions) | 7.8712% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3826% | 249 |
| Loan loss allowance to noncurrent loans | 132.2478% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 560 |
| Noncurrent loans to loans | 1.8016% | 339 |
| Net loans and leases to total assets | 45.6100% | 3,794 |
| Net loans and leases to deposits | 53.9201% | 3,692 |
| Net loans and leases to core deposits | 56.4229% | 3,716 |
| Total domestic deposits to total assets | 84.6000% | 2,955 |
| Equity capital to assets | 7.3299% | 3,657 |
| Core capital (leverage) ratio | 11.5494% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $147,901,500 | 3,448 |
| Average earning assets | $142,031,500 | 3,386 |
| Average equity | $10,137,000 | 3,769 |
| Average total loans | $68,443,500 | 3,632 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 2,485 |
| Cost of funding earning assets | 0.4285% | 1,871 |
| Net interest margin | 3.2871% | 2,599 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.7175% | 4,147 |
| Loan and lease loss provision to assets | 0.6800% | 76 |
| Net operating income to assets | 0.7742% | 3,413 |
| Return on assets (ROA) | 0.7656% | 3,377 |
| Pretax return on assets | 0.8942% | 3,376 |
| Return on Equity (ROE) | 9.3400% | 3,020 |
| Retained earnings to average equity (ytd only) | -2.4838% | 4,505 |
| Net charge-offs to loans | 1.5928% | 43 |
| Credit loss provision to net charge-offs | 97.7948% | 1,579 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 2,512 |
| Efficiency ratio | 52.0804% | 3,971 |
| Assets per employee ($millions) | 7.3126% | 1,748 |
| Cash dividends to net income (ytd only)* | 126.5801% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4103% | 229 |
| Loan loss allowance to noncurrent loans | 167.5311% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 752 |
| Noncurrent loans to loans | 1.4387% | 462 |
| Net loans and leases to total assets | 44.7100% | 3,860 |
| Net loans and leases to deposits | 49.8890% | 3,901 |
| Net loans and leases to core deposits | 52.1160% | 3,911 |
| Total domestic deposits to total assets | 89.6200% | 1,510 |
| Equity capital to assets | 6.3671% | 3,952 |
| Core capital (leverage) ratio | 11.1846% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $150,862,200 | 3,434 |
| Average earning assets | $145,629,600 | 3,369 |
| Average equity | $12,360,200 | 3,639 |
| Average total loans | $65,481,400 | 3,649 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5184% | 2,558 |
| Cost of funding earning assets | 0.3635% | 1,583 |
| Net interest margin | 3.1549% | 2,763 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.6752% | 4,192 |
| Loan and lease loss provision to assets | 0.8400% | 51 |
| Net operating income to assets | 0.6302% | 3,747 |
| Return on assets (ROA) | 0.6183% | 3,746 |
| Pretax return on assets | 0.6903% | 3,818 |
| Return on Equity (ROE) | 7.1600% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.5011% | 3,286 |
| Net charge-offs to loans | 2.1423% | 23 |
| Credit loss provision to net charge-offs | 91.7782% | 1,368 |
| Earnings coverage of net charge-offs (x) | 1.6845% | 2,269 |
| Efficiency ratio | 52.0153% | 4,005 |
| Assets per employee ($millions) | 7.5811% | 1,565 |
| Cash dividends to net income (ytd only)* | 37.1631% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3206% | 282 |
| Loan loss allowance to noncurrent loans | 133.1046% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 652 |
| Noncurrent loans to loans | 1.7434% | 375 |
| Net loans and leases to total assets | 43.0900% | 3,933 |
| Net loans and leases to deposits | 51.2735% | 3,777 |
| Net loans and leases to core deposits | 53.7600% | 3,763 |
| Total domestic deposits to total assets | 84.0300% | 3,501 |
| Equity capital to assets | 7.6684% | 3,111 |
| Core capital (leverage) ratio | 11.3097% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $152,015,000 | 3,451 |
| Average earning assets | $147,071,250 | 3,375 |
| Average equity | $13,122,250 | 3,599 |
| Average total loans | $65,100,500 | 3,673 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4012% | 2,429 |
| Cost of funding earning assets | 0.3118% | 1,605 |
| Net interest margin | 3.0894% | 2,565 |
| Noninterest income to average assets | 0.1656% | 4,181 |
| Noninterest expense to average assets | 1.5682% | 4,337 |
| Loan and lease loss provision to assets | 0.8676% | 52 |
| Net operating income to assets | 0.6599% | 3,441 |
| Return on assets (ROA) | 0.6599% | 3,389 |
| Pretax return on assets | 0.7256% | 3,514 |
| Return on Equity (ROE) | 7.3712% | 3,195 |
| Retained earnings to average equity (ytd only) | 3.5241% | 3,266 |
| Net charge-offs to loans | 0.9549% | 68 |
| Credit loss provision to net charge-offs | 214.2857% | 940 |
| Earnings coverage of net charge-offs (x) | 3.9351% | 1,977 |
| Efficiency ratio | 49.6050% | 4,274 |
| Assets per employee ($millions) | 7.5649% | 1,571 |
| Cash dividends to net income (ytd only)* | 52.1912% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0059% | 145 |
| Loan loss allowance to noncurrent loans | 86.9755% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 232 |
| Noncurrent loans to loans | 3.4560% | 130 |
| Net loans and leases to total assets | 42.4423% | 3,944 |
| Net loans and leases to deposits | 49.4422% | 3,837 |
| Net loans and leases to core deposits | 51.7075% | 3,834 |
| Total domestic deposits to total assets | 85.8424% | 3,286 |
| Equity capital to assets | 7.3452% | 3,571 |
| Core capital (leverage) ratio | 11.0838% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,146,000 | 3,477 |
| Average earning assets | $147,537,000 | 3,421 |
| Average equity | $13,620,667 | 3,622 |
| Average total loans | $64,507,667 | 3,718 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2519% | 2,526 |
| Cost of funding earning assets | 0.3074% | 1,583 |
| Net interest margin | 2.9445% | 2,694 |
| Noninterest income to average assets | 0.1783% | 4,106 |
| Noninterest expense to average assets | 1.5521% | 4,361 |
| Loan and lease loss provision to assets | 0.5506% | 84 |
| Net operating income to assets | 0.7288% | 2,945 |
| Return on assets (ROA) | 0.7288% | 2,934 |
| Pretax return on assets | 0.9386% | 2,637 |
| Return on Equity (ROE) | 7.4759% | 2,876 |
| Retained earnings to average equity (ytd only) | 0.3765% | 3,941 |
| Net charge-offs to loans | 0.0314% | 989 |
| Credit loss provision to net charge-offs | 4,200.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 113.6000% | 631 |
| Efficiency ratio | 51.0345% | 4,253 |
| Assets per employee ($millions) | 7.5887% | 1,633 |
| Cash dividends to net income (ytd only)* | 94.9640% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9039% | 171 |
| Loan loss allowance to noncurrent loans | 84.0401% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.4449% | 256 |
| Noncurrent loans to loans | 3.4553% | 129 |
| Net loans and leases to total assets | 40.6025% | 3,973 |
| Net loans and leases to deposits | 46.2230% | 3,964 |
| Net loans and leases to core deposits | 48.7976% | 3,941 |
| Total domestic deposits to total assets | 87.8405% | 2,600 |
| Equity capital to assets | 8.2076% | 3,398 |
| Core capital (leverage) ratio | 10.8330% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,570,500 | 3,489 |
| Average earning assets | $148,343,500 | 3,423 |
| Average equity | $14,874,500 | 3,572 |
| Average total loans | $63,659,500 | 3,736 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4330% | 2,844 |
| Cost of funding earning assets | 0.3471% | 1,959 |
| Net interest margin | 3.0859% | 2,954 |
| Noninterest income to average assets | 0.1384% | 4,458 |
| Noninterest expense to average assets | 1.5856% | 4,441 |
| Loan and lease loss provision to assets | 0.1508% | 800 |
| Net operating income to assets | 1.0953% | 2,311 |
| Return on assets (ROA) | 1.0938% | 2,381 |
| Pretax return on assets | 1.3908% | 2,084 |
| Return on Equity (ROE) | 9.7278% | 2,631 |
| Retained earnings to average equity (ytd only) | 4.7531% | 2,893 |
| Net charge-offs to loans | 0.0458% | 1,369 |
| Credit loss provision to net charge-offs | 793.1034% | 607 |
| Earnings coverage of net charge-offs (x) | 81.1724% | 987 |
| Efficiency ratio | 50.6706% | 4,232 |
| Assets per employee ($millions) | 8.0719% | 1,296 |
| Cash dividends to net income (ytd only)* | 51.1391% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5653% | 252 |
| Loan loss allowance to noncurrent loans | 597.8102% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 2,689 |
| Noncurrent loans to loans | 0.4291% | 2,066 |
| Net loans and leases to total assets | 40.5654% | 4,060 |
| Net loans and leases to deposits | 47.8352% | 4,007 |
| Net loans and leases to core deposits | 50.6719% | 3,982 |
| Total domestic deposits to total assets | 84.8025% | 3,329 |
| Equity capital to assets | 11.2749% | 1,624 |
| Core capital (leverage) ratio | 10.5901% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,497,000 | 3,462 |
| Average earning assets | $147,802,600 | 3,395 |
| Average equity | $17,146,800 | 3,449 |
| Average total loans | $63,285,200 | 3,770 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 2,955 |
| Cost of funding earning assets | 0.3534% | 2,086 |
| Net interest margin | 3.0987% | 3,059 |
| Noninterest income to average assets | 0.1392% | 4,501 |
| Noninterest expense to average assets | 1.5664% | 4,517 |
| Loan and lease loss provision to assets | 0.1491% | 761 |
| Net operating income to assets | 1.1088% | 2,523 |
| Return on assets (ROA) | 1.1067% | 2,586 |
| Pretax return on assets | 1.4228% | 2,241 |
| Return on Equity (ROE) | 9.8495% | 2,788 |
| Retained earnings to average equity (ytd only) | 5.3299% | 3,093 |
| Net charge-offs to loans | -0.0338% | 4,184 |
| Credit loss provision to net charge-offs | -1,062.5000% | 3,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8745% | 4,231 |
| Assets per employee ($millions) | 7.5760% | 1,524 |
| Cash dividends to net income (ytd only)* | 45.8861% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5660% | 262 |
| Loan loss allowance to noncurrent loans | 151.8241% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 1,054 |
| Noncurrent loans to loans | 1.6901% | 597 |
| Net loans and leases to total assets | 40.6732% | 4,175 |
| Net loans and leases to deposits | 48.1217% | 4,114 |
| Net loans and leases to core deposits | 50.8683% | 4,089 |
| Total domestic deposits to total assets | 84.5215% | 3,291 |
| Equity capital to assets | 11.3813% | 1,753 |
| Core capital (leverage) ratio | 10.9449% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,279,500 | 3,501 |
| Average earning assets | $147,498,250 | 3,437 |
| Average equity | $17,110,500 | 3,498 |
| Average total loans | $63,143,500 | 3,826 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3972% | 3,189 |
| Cost of funding earning assets | 0.3602% | 2,233 |
| Net interest margin | 3.0371% | 3,218 |
| Noninterest income to average assets | 0.1311% | 4,548 |
| Noninterest expense to average assets | 1.5144% | 4,610 |
| Loan and lease loss provision to assets | 0.1442% | 838 |
| Net operating income to assets | 1.1064% | 2,523 |
| Return on assets (ROA) | 1.1053% | 2,591 |
| Pretax return on assets | 1.4122% | 2,292 |
| Return on Equity (ROE) | 9.8795% | 2,790 |
| Retained earnings to average equity (ytd only) | 5.8363% | 2,881 |
| Net charge-offs to loans | -0.0222% | 4,033 |
| Credit loss provision to net charge-offs | -1,571.4286% | 3,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2958% | 4,291 |
| Assets per employee ($millions) | 7.3616% | 1,551 |
| Cash dividends to net income (ytd only)* | 40.9253% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3928% | 317 |
| Loan loss allowance to noncurrent loans | 675.6522% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 3,217 |
| Noncurrent loans to loans | 0.3541% | 2,632 |
| Net loans and leases to total assets | 43.0552% | 4,109 |
| Net loans and leases to deposits | 51.2106% | 4,034 |
| Net loans and leases to core deposits | 54.2559% | 4,010 |
| Total domestic deposits to total assets | 84.0748% | 3,413 |
| Equity capital to assets | 11.8276% | 1,447 |
| Core capital (leverage) ratio | 10.8232% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,532,667 | 3,507 |
| Average earning assets | $147,708,000 | 3,447 |
| Average equity | $17,065,667 | 3,503 |
| Average total loans | $63,107,667 | 3,847 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2066% | 3,676 |
| Cost of funding earning assets | 0.3643% | 2,411 |
| Net interest margin | 2.8424% | 3,659 |
| Noninterest income to average assets | 0.1263% | 4,566 |
| Noninterest expense to average assets | 1.5131% | 4,638 |
| Loan and lease loss provision to assets | 0.1289% | 1,065 |
| Net operating income to assets | 0.9589% | 2,936 |
| Return on assets (ROA) | 0.9589% | 3,030 |
| Pretax return on assets | 1.2398% | 2,734 |
| Return on Equity (ROE) | 8.8092% | 3,102 |
| Retained earnings to average equity (ytd only) | 5.0203% | 3,217 |
| Net charge-offs to loans | -0.0064% | 3,491 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5045% | 3,955 |
| Assets per employee ($millions) | 7.6783% | 1,356 |
| Cash dividends to net income (ytd only)* | 43.0108% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3273% | 349 |
| Loan loss allowance to noncurrent loans | 149.5477% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 1,464 |
| Noncurrent loans to loans | 1.5562% | 792 |
| Net loans and leases to total assets | 40.6666% | 4,307 |
| Net loans and leases to deposits | 47.7695% | 4,269 |
| Net loans and leases to core deposits | 50.1425% | 4,292 |
| Total domestic deposits to total assets | 85.1308% | 3,049 |
| Equity capital to assets | 10.6938% | 2,089 |
| Core capital (leverage) ratio | 10.4726% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,183,000 | 3,476 |
| Average earning assets | $150,437,500 | 3,411 |
| Average equity | $16,891,500 | 3,520 |
| Average total loans | $62,189,000 | 3,876 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 3,035 |
| Cost of funding earning assets | 0.5050% | 2,919 |
| Net interest margin | 3.3924% | 2,803 |
| Noninterest income to average assets | 0.1311% | 4,626 |
| Noninterest expense to average assets | 1.6928% | 4,627 |
| Loan and lease loss provision to assets | 0.3576% | 955 |
| Net operating income to assets | 1.0917% | 1,957 |
| Return on assets (ROA) | 1.1146% | 1,984 |
| Pretax return on assets | 1.3776% | 1,735 |
| Return on Equity (ROE) | 9.0452% | 2,374 |
| Retained earnings to average equity (ytd only) | 6.2458% | 1,682 |
| Net charge-offs to loans | 0.9063% | 150 |
| Credit loss provision to net charge-offs | 81.2183% | 2,981 |
| Earnings coverage of net charge-offs (x) | 3.8765% | 3,048 |
| Efficiency ratio | 49.7918% | 4,545 |
| Assets per employee ($millions) | 7.8400% | 1,100 |
| Cash dividends to net income (ytd only)* | 30.9492% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3792% | 307 |
| Loan loss allowance to noncurrent loans | 118.7448% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7723% | 1,329 |
| Noncurrent loans to loans | 2.0036% | 570 |
| Net loans and leases to total assets | 37.6288% | 4,539 |
| Net loans and leases to deposits | 44.3337% | 4,519 |
| Net loans and leases to core deposits | 47.0435% | 4,514 |
| Total domestic deposits to total assets | 84.8763% | 2,814 |
| Equity capital to assets | 11.0721% | 2,198 |
| Core capital (leverage) ratio | 10.5221% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,216,800 | 3,573 |
| Average earning assets | $129,316,800 | 3,515 |
| Average equity | $16,539,200 | 3,502 |
| Average total loans | $65,209,600 | 3,824 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 2,487 |
| Cost of funding earning assets | 0.5427% | 2,973 |
| Net interest margin | 3.6208% | 2,196 |
| Noninterest income to average assets | 0.1441% | 4,584 |
| Noninterest expense to average assets | 1.7474% | 4,570 |
| Loan and lease loss provision to assets | 0.3834% | 955 |
| Net operating income to assets | 1.1880% | 1,679 |
| Return on assets (ROA) | 1.2195% | 1,699 |
| Pretax return on assets | 1.5327% | 1,372 |
| Return on Equity (ROE) | 9.5995% | 2,166 |
| Retained earnings to average equity (ytd only) | 6.7425% | 1,798 |
| Net charge-offs to loans | 0.5984% | 239 |
| Credit loss provision to net charge-offs | 124.1611% | 2,475 |
| Earnings coverage of net charge-offs (x) | 6.0738% | 2,679 |
| Efficiency ratio | 48.2117% | 4,594 |
| Assets per employee ($millions) | 6.9384% | 1,547 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4502% | 247 |
| Loan loss allowance to noncurrent loans | 105.4001% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.1076% | 941 |
| Noncurrent loans to loans | 2.3247% | 473 |
| Net loans and leases to total assets | 46.4779% | 4,291 |
| Net loans and leases to deposits | 55.8431% | 4,270 |
| Net loans and leases to core deposits | 59.2043% | 4,248 |
| Total domestic deposits to total assets | 83.2294% | 3,080 |
| Equity capital to assets | 12.2320% | 1,560 |
| Core capital (leverage) ratio | 11.5288% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,571,000 | 3,634 |
| Average earning assets | $123,580,500 | 3,570 |
| Average equity | $16,333,750 | 3,522 |
| Average total loans | $66,402,000 | 3,821 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 2,867 |
| Cost of funding earning assets | 0.5671% | 3,141 |
| Net interest margin | 3.5976% | 2,492 |
| Noninterest income to average assets | 0.1678% | 4,450 |
| Noninterest expense to average assets | 1.7368% | 4,647 |
| Loan and lease loss provision to assets | 0.3675% | 1,140 |
| Net operating income to assets | 1.2386% | 1,519 |
| Return on assets (ROA) | 1.2782% | 1,533 |
| Pretax return on assets | 1.5898% | 1,252 |
| Return on Equity (ROE) | 9.9254% | 2,007 |
| Retained earnings to average equity (ytd only) | 7.4440% | 1,484 |
| Net charge-offs to loans | -0.0301% | 4,541 |
| Credit loss provision to net charge-offs | -2,300.0000% | 3,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6545% | 4,650 |
| Assets per employee ($millions) | 6.5893% | 1,713 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6008% | 197 |
| Loan loss allowance to noncurrent loans | 97.3326% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.3939% | 703 |
| Noncurrent loans to loans | 2.6721% | 412 |
| Net loans and leases to total assets | 50.8096% | 4,112 |
| Net loans and leases to deposits | 60.2760% | 4,102 |
| Net loans and leases to core deposits | 64.2629% | 4,064 |
| Total domestic deposits to total assets | 84.2950% | 2,639 |
| Equity capital to assets | 12.5856% | 1,343 |
| Core capital (leverage) ratio | 11.9102% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,172,333 | 3,662 |
| Average earning assets | $120,969,667 | 3,590 |
| Average equity | $16,120,333 | 3,539 |
| Average total loans | $66,497,333 | 3,825 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,569 |
| Cost of funding earning assets | 0.6034% | 3,416 |
| Net interest margin | 3.8102% | 1,935 |
| Noninterest income to average assets | 0.1937% | 4,392 |
| Noninterest expense to average assets | 1.7134% | 4,763 |
| Loan and lease loss provision to assets | 0.3282% | 944 |
| Net operating income to assets | 1.5252% | 735 |
| Return on assets (ROA) | 1.5361% | 785 |
| Pretax return on assets | 1.8545% | 620 |
| Return on Equity (ROE) | 11.7828% | 1,165 |
| Retained earnings to average equity (ytd only) | 6.7474% | 1,630 |
| Net charge-offs to loans | -0.0490% | 4,630 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1251% | 4,879 |
| Assets per employee ($millions) | 6.0825% | 1,611 |
| Cash dividends to net income (ytd only)* | 42.7350% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4696% | 258 |
| Loan loss allowance to noncurrent loans | 87.1970% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.5602% | 672 |
| Noncurrent loans to loans | 2.8322% | 395 |
| Net loans and leases to total assets | 53.7275% | 4,012 |
| Net loans and leases to deposits | 64.4636% | 3,954 |
| Net loans and leases to core deposits | 68.3271% | 3,970 |
| Total domestic deposits to total assets | 83.3455% | 3,001 |
| Equity capital to assets | 13.4156% | 1,256 |
| Core capital (leverage) ratio | 12.5103% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,865,500 | 3,680 |
| Average earning assets | $117,999,000 | 3,604 |
| Average equity | $15,887,500 | 3,566 |
| Average total loans | $65,372,000 | 3,858 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 2,942 |
| Cost of funding earning assets | 0.7072% | 3,128 |
| Net interest margin | 3.7930% | 2,518 |
| Noninterest income to average assets | 0.1642% | 4,667 |
| Noninterest expense to average assets | 1.9451% | 4,620 |
| Loan and lease loss provision to assets | 0.2404% | 782 |
| Net operating income to assets | 1.2433% | 1,893 |
| Return on assets (ROA) | 1.2387% | 1,995 |
| Pretax return on assets | 1.6549% | 1,324 |
| Return on Equity (ROE) | 9.7762% | 2,403 |
| Retained earnings to average equity (ytd only) | -1.3414% | 4,830 |
| Net charge-offs to loans | 0.3276% | 634 |
| Credit loss provision to net charge-offs | 138.0952% | 1,867 |
| Earnings coverage of net charge-offs (x) | 10.9190% | 2,539 |
| Efficiency ratio | 50.5712% | 4,703 |
| Assets per employee ($millions) | 6.4254% | 1,334 |
| Cash dividends to net income (ytd only)* | 113.7216% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4290% | 237 |
| Loan loss allowance to noncurrent loans | 81.0047% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5653% | 633 |
| Noncurrent loans to loans | 2.9986% | 315 |
| Net loans and leases to total assets | 50.9346% | 4,287 |
| Net loans and leases to deposits | 60.5107% | 4,266 |
| Net loans and leases to core deposits | 64.0721% | 4,273 |
| Total domestic deposits to total assets | 84.1746% | 2,798 |
| Equity capital to assets | 12.6595% | 1,729 |
| Core capital (leverage) ratio | 12.1263% | 1,695 |
| Tier 1 risk-based capital ratio | 19.0514% | 1,502 |
| Total risk-based capital ratio | 20.3120% | 1,475 |
| Memoranda: | ||
| Average total assets | $120,611,400 | 3,690 |
| Average earning assets | $117,084,800 | 3,599 |
| Average equity | $15,282,000 | 3,612 |
| Average total loans | $64,095,800 | 3,908 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5568% | 2,868 |
| Cost of funding earning assets | 0.7262% | 3,084 |
| Net interest margin | 3.8306% | 2,499 |
| Noninterest income to average assets | 0.1896% | 4,579 |
| Noninterest expense to average assets | 2.0214% | 4,508 |
| Loan and lease loss provision to assets | 0.1441% | 1,332 |
| Net operating income to assets | 1.3168% | 1,785 |
| Return on assets (ROA) | 1.3106% | 1,891 |
| Pretax return on assets | 1.7420% | 1,218 |
| Return on Equity (ROE) | 10.3418% | 2,273 |
| Retained earnings to average equity (ytd only) | -2.2311% | 4,941 |
| Net charge-offs to loans | 0.2285% | 772 |
| Credit loss provision to net charge-offs | 118.1818% | 1,977 |
| Earnings coverage of net charge-offs (x) | 15.5276% | 2,178 |
| Efficiency ratio | 51.6284% | 4,632 |
| Assets per employee ($millions) | 5.9414% | 1,643 |
| Cash dividends to net income (ytd only)* | 121.5735% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2445% | 310 |
| Loan loss allowance to noncurrent loans | 125.7819% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 1,351 |
| Noncurrent loans to loans | 1.7844% | 802 |
| Net loans and leases to total assets | 54.5390% | 4,130 |
| Net loans and leases to deposits | 67.3026% | 3,966 |
| Net loans and leases to core deposits | 71.2854% | 3,990 |
| Total domestic deposits to total assets | 81.0355% | 3,747 |
| Equity capital to assets | 13.0576% | 1,595 |
| Core capital (leverage) ratio | 12.1569% | 1,755 |
| Tier 1 risk-based capital ratio | 18.3929% | 1,715 |
| Total risk-based capital ratio | 19.6504% | 1,678 |
| Memoranda: | ||
| Average total assets | $120,243,750 | 3,738 |
| Average earning assets | $116,949,750 | 3,636 |
| Average equity | $15,238,750 | 3,650 |
| Average total loans | $64,187,250 | 3,946 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 3,058 |
| Cost of funding earning assets | 0.7081% | 3,124 |
| Net interest margin | 3.7788% | 2,652 |
| Noninterest income to average assets | 0.1657% | 4,758 |
| Noninterest expense to average assets | 1.9898% | 4,615 |
| Loan and lease loss provision to assets | 0.1657% | 1,099 |
| Net operating income to assets | 1.2978% | 1,780 |
| Return on assets (ROA) | 1.2873% | 1,883 |
| Pretax return on assets | 1.6750% | 1,324 |
| Return on Equity (ROE) | 10.2599% | 2,264 |
| Retained earnings to average equity (ytd only) | 2.7729% | 3,823 |
| Net charge-offs to loans | 0.3528% | 475 |
| Credit loss provision to net charge-offs | 89.2857% | 2,143 |
| Earnings coverage of net charge-offs (x) | 9.9911% | 2,301 |
| Efficiency ratio | 51.7672% | 4,668 |
| Assets per employee ($millions) | 5.6631% | 1,815 |
| Cash dividends to net income (ytd only)* | 72.9730% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2190% | 324 |
| Loan loss allowance to noncurrent loans | 61.3148% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.9954% | 464 |
| Noncurrent loans to loans | 3.6190% | 222 |
| Net loans and leases to total assets | 53.9125% | 4,216 |
| Net loans and leases to deposits | 66.5269% | 4,062 |
| Net loans and leases to core deposits | 70.4471% | 4,094 |
| Total domestic deposits to total assets | 81.0386% | 3,799 |
| Equity capital to assets | 13.1855% | 1,497 |
| Core capital (leverage) ratio | 12.5251% | 1,524 |
| Tier 1 risk-based capital ratio | 19.0898% | 1,533 |
| Total risk-based capital ratio | 20.3472% | 1,492 |
| Memoranda: | ||
| Average total assets | $120,716,000 | 3,748 |
| Average earning assets | $117,497,670 | 3,654 |
| Average equity | $15,146,330 | 3,668 |
| Average total loans | $63,484,670 | 3,984 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 3,202 |
| Cost of funding earning assets | 0.6667% | 3,224 |
| Net interest margin | 3.7393% | 2,748 |
| Noninterest income to average assets | 0.1677% | 4,734 |
| Noninterest expense to average assets | 1.9406% | 4,746 |
| Loan and lease loss provision to assets | 0.2302% | 662 |
| Net operating income to assets | 1.2986% | 1,698 |
| Return on assets (ROA) | 1.2433% | 1,958 |
| Pretax return on assets | 1.5624% | 1,565 |
| Return on Equity (ROE) | 10.1620% | 2,294 |
| Retained earnings to average equity (ytd only) | 1.6399% | 4,155 |
| Net charge-offs to loans | 0.7175% | 209 |
| Credit loss provision to net charge-offs | 62.5000% | 1,897 |
| Earnings coverage of net charge-offs (x) | 5.0536% | 2,284 |
| Efficiency ratio | 51.0381% | 4,758 |
| Assets per employee ($millions) | 5.7712% | 1,731 |
| Cash dividends to net income (ytd only)* | 83.8624% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2404% | 336 |
| Loan loss allowance to noncurrent loans | 136.4593% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.8622% | 1,646 |
| Noncurrent loans to loans | 1.6418% | 957 |
| Net loans and leases to total assets | 51.3408% | 4,383 |
| Net loans and leases to deposits | 63.4864% | 4,214 |
| Net loans and leases to core deposits | 70.5428% | 4,053 |
| Total domestic deposits to total assets | 80.8690% | 3,994 |
| Equity capital to assets | 12.5243% | 1,725 |
| Core capital (leverage) ratio | 12.4514% | 1,542 |
| Tier 1 risk-based capital ratio | 19.0183% | 1,539 |
| Total risk-based capital ratio | 20.2746% | 1,512 |
| Memoranda: | ||
| Average total assets | $121,611,000 | 3,772 |
| Average earning assets | $118,202,500 | 3,685 |
| Average equity | $14,879,000 | 3,709 |
| Average total loans | $62,441,500 | 4,039 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 3,055 |
| Cost of funding earning assets | 0.4618% | 3,598 |
| Net interest margin | 3.8545% | 2,485 |
| Noninterest income to average assets | 0.1712% | 4,874 |
| Noninterest expense to average assets | 1.8563% | 4,947 |
| Loan and lease loss provision to assets | 0.2774% | 604 |
| Net operating income to assets | 1.4844% | 1,159 |
| Return on assets (ROA) | 1.4989% | 1,109 |
| Pretax return on assets | 1.8064% | 898 |
| Return on Equity (ROE) | 13.2025% | 1,270 |
| Retained earnings to average equity (ytd only) | 2.5065% | 4,142 |
| Net charge-offs to loans | 0.0932% | 1,835 |
| Credit loss provision to net charge-offs | 614.0351% | 565 |
| Earnings coverage of net charge-offs (x) | 45.7368% | 1,200 |
| Efficiency ratio | 47.3227% | 5,075 |
| Assets per employee ($millions) | 6.1013% | 1,452 |
| Cash dividends to net income (ytd only)* | 81.0153% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3974% | 257 |
| Loan loss allowance to noncurrent loans | 118.9627% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.0113% | 1,355 |
| Noncurrent loans to loans | 2.0152% | 672 |
| Net loans and leases to total assets | 48.9781% | 4,581 |
| Net loans and leases to deposits | 58.4017% | 4,555 |
| Net loans and leases to core deposits | 62.1727% | 4,532 |
| Total domestic deposits to total assets | 83.8641% | 3,044 |
| Equity capital to assets | 11.9475% | 1,937 |
| Core capital (leverage) ratio | 12.2856% | 1,567 |
| Tier 1 risk-based capital ratio | 19.3048% | 1,448 |
| Total risk-based capital ratio | 20.5632% | 1,411 |
| Memoranda: | ||
| Average total assets | $126,162,800 | 3,697 |
| Average earning assets | $122,790,800 | 3,601 |
| Average equity | $14,323,000 | 3,712 |
| Average total loans | $61,179,800 | 4,066 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 3,080 |
| Cost of funding earning assets | 0.5072% | 3,152 |
| Net interest margin | 3.7602% | 2,791 |
| Noninterest income to average assets | 0.1730% | 4,920 |
| Noninterest expense to average assets | 1.8050% | 5,032 |
| Loan and lease loss provision to assets | 0.2830% | 532 |
| Net operating income to assets | 1.4282% | 1,395 |
| Return on assets (ROA) | 1.4738% | 1,261 |
| Pretax return on assets | 1.8082% | 995 |
| Return on Equity (ROE) | 13.1469% | 1,370 |
| Retained earnings to average equity (ytd only) | 1.7672% | 4,652 |
| Net charge-offs to loans | 0.0654% | 1,894 |
| Credit loss provision to net charge-offs | 900.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 64.7318% | 1,009 |
| Efficiency ratio | 46.9978% | 5,102 |
| Assets per employee ($millions) | 5.8733% | 1,589 |
| Cash dividends to net income (ytd only)* | 86.5578% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2972% | 306 |
| Loan loss allowance to noncurrent loans | 68.8564% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.7245% | 699 |
| Noncurrent loans to loans | 3.3361% | 303 |
| Net loans and leases to total assets | 48.7944% | 4,675 |
| Net loans and leases to deposits | 58.8708% | 4,603 |
| Net loans and leases to core deposits | 64.9847% | 4,460 |
| Total domestic deposits to total assets | 82.8839% | 3,346 |
| Equity capital to assets | 11.2867% | 2,403 |
| Core capital (leverage) ratio | 12.0524% | 1,757 |
| Tier 1 risk-based capital ratio | 19.0760% | 1,518 |
| Total risk-based capital ratio | 20.3326% | 1,488 |
| Memoranda: | ||
| Average total assets | $127,197,000 | 3,716 |
| Average earning assets | $124,070,000 | 3,620 |
| Average equity | $14,259,000 | 3,747 |
| Average total loans | $61,166,250 | 4,105 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 2,862 |
| Cost of funding earning assets | 0.4828% | 3,145 |
| Net interest margin | 3.7894% | 2,597 |
| Noninterest income to average assets | 0.1775% | 4,936 |
| Noninterest expense to average assets | 1.7808% | 5,118 |
| Loan and lease loss provision to assets | 0.3113% | 446 |
| Net operating income to assets | 1.4078% | 1,408 |
| Return on assets (ROA) | 1.4337% | 1,329 |
| Pretax return on assets | 1.8197% | 917 |
| Return on Equity (ROE) | 12.8169% | 1,436 |
| Retained earnings to average equity (ytd only) | 5.5108% | 2,818 |
| Net charge-offs to loans | -0.1409% | 5,255 |
| Credit loss provision to net charge-offs | -465.1163% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9069% | 5,213 |
| Assets per employee ($millions) | 5.9388% | 1,509 |
| Cash dividends to net income (ytd only)* | 57.0033% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2878% | 323 |
| Loan loss allowance to noncurrent loans | 58.9189% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.9861% | 545 |
| Noncurrent loans to loans | 3.8830% | 234 |
| Net loans and leases to total assets | 48.5258% | 4,691 |
| Net loans and leases to deposits | 58.7540% | 4,599 |
| Net loans and leases to core deposits | 67.6961% | 4,273 |
| Total domestic deposits to total assets | 82.5915% | 3,529 |
| Equity capital to assets | 11.4718% | 2,218 |
| Core capital (leverage) ratio | 11.8289% | 1,821 |
| Tier 1 risk-based capital ratio | 19.0982% | 1,530 |
| Total risk-based capital ratio | 20.3542% | 1,493 |
| Memoranda: | ||
| Average total assets | $128,482,670 | 3,724 |
| Average earning assets | $125,509,330 | 3,629 |
| Average equity | $14,371,670 | 3,758 |
| Average total loans | $61,022,330 | 4,139 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 2,954 |
| Cost of funding earning assets | 0.4643% | 3,095 |
| Net interest margin | 3.7145% | 2,747 |
| Noninterest income to average assets | 0.1780% | 4,960 |
| Noninterest expense to average assets | 1.7029% | 5,243 |
| Loan and lease loss provision to assets | 0.2761% | 494 |
| Net operating income to assets | 1.3691% | 1,424 |
| Return on assets (ROA) | 1.3715% | 1,431 |
| Pretax return on assets | 1.8348% | 847 |
| Return on Equity (ROE) | 12.4132% | 1,434 |
| Retained earnings to average equity (ytd only) | 5.6096% | 2,894 |
| Net charge-offs to loans | -0.3963% | 5,480 |
| Credit loss provision to net charge-offs | -150.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6860% | 5,328 |
| Assets per employee ($millions) | 6.4507% | 1,226 |
| Cash dividends to net income (ytd only)* | 54.8098% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1701% | 409 |
| Loan loss allowance to noncurrent loans | 47.2202% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.2315% | 460 |
| Noncurrent loans to loans | 4.5957% | 182 |
| Net loans and leases to total assets | 46.2989% | 4,781 |
| Net loans and leases to deposits | 54.4280% | 4,773 |
| Net loans and leases to core deposits | 62.2890% | 4,537 |
| Total domestic deposits to total assets | 85.0644% | 2,910 |
| Equity capital to assets | 10.9585% | 2,628 |
| Core capital (leverage) ratio | 11.2921% | 2,175 |
| Tier 1 risk-based capital ratio | 18.8904% | 1,574 |
| Total risk-based capital ratio | 20.1465% | 1,538 |
| Memoranda: | ||
| Average total assets | $130,366,500 | 3,745 |
| Average earning assets | $127,502,000 | 3,623 |
| Average equity | $14,404,000 | 3,788 |
| Average total loans | $60,565,500 | 4,185 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 3,815 |
| Cost of funding earning assets | 0.4540% | 2,733 |
| Net interest margin | 3.4177% | 3,794 |
| Noninterest income to average assets | 0.1839% | 5,036 |
| Noninterest expense to average assets | 1.7134% | 5,325 |
| Loan and lease loss provision to assets | 0.2512% | 741 |
| Net operating income to assets | 1.1228% | 1,782 |
| Return on assets (ROA) | 1.1562% | 1,689 |
| Pretax return on assets | 1.6052% | 1,275 |
| Return on Equity (ROE) | 10.2491% | 1,787 |
| Retained earnings to average equity (ytd only) | 2.9459% | 3,540 |
| Net charge-offs to loans | 0.4976% | 478 |
| Credit loss provision to net charge-offs | 106.9079% | 2,424 |
| Earnings coverage of net charge-offs (x) | 7.7039% | 3,009 |
| Efficiency ratio | 48.6291% | 5,279 |
| Assets per employee ($millions) | 7.3177% | 837 |
| Cash dividends to net income (ytd only)* | 71.2567% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9559% | 584 |
| Loan loss allowance to noncurrent loans | 35.8669% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 2.5425% | 364 |
| Noncurrent loans to loans | 5.4533% | 111 |
| Net loans and leases to total assets | 44.7156% | 4,946 |
| Net loans and leases to deposits | 52.5485% | 4,960 |
| Net loans and leases to core deposits | 60.5589% | 4,730 |
| Total domestic deposits to total assets | 85.0940% | 2,806 |
| Equity capital to assets | 11.1373% | 2,499 |
| Core capital (leverage) ratio | 10.9469% | 2,387 |
| Tier 1 risk-based capital ratio | 18.7986% | 1,560 |
| Total risk-based capital ratio | 20.0517% | 1,519 |
| Memoranda: | ||
| Average total assets | $129,390,800 | 3,758 |
| Average earning assets | $126,429,600 | 3,644 |
| Average equity | $14,596,400 | 3,769 |
| Average total loans | $61,093,200 | 4,177 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7996% | 4,015 |
| Cost of funding earning assets | 0.4470% | 2,744 |
| Net interest margin | 3.3526% | 4,002 |
| Noninterest income to average assets | 0.1956% | 5,034 |
| Noninterest expense to average assets | 1.7597% | 5,314 |
| Loan and lease loss provision to assets | 0.2639% | 634 |
| Net operating income to assets | 1.1080% | 2,052 |
| Return on assets (ROA) | 1.1552% | 1,902 |
| Pretax return on assets | 1.5102% | 1,741 |
| Return on Equity (ROE) | 10.2069% | 2,034 |
| Retained earnings to average equity (ytd only) | 3.4754% | 3,853 |
| Net charge-offs to loans | 0.4238% | 493 |
| Credit loss provision to net charge-offs | 130.7692% | 1,883 |
| Earnings coverage of net charge-offs (x) | 8.4822% | 2,777 |
| Efficiency ratio | 50.6857% | 5,201 |
| Assets per employee ($millions) | 7.0451% | 931 |
| Cash dividends to net income (ytd only)* | 65.9500% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9489% | 633 |
| Loan loss allowance to noncurrent loans | 37.6902% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.5976% | 397 |
| Noncurrent loans to loans | 5.1709% | 151 |
| Net loans and leases to total assets | 48.1638% | 4,812 |
| Net loans and leases to deposits | 57.1497% | 4,810 |
| Net loans and leases to core deposits | 66.1436% | 4,473 |
| Total domestic deposits to total assets | 84.2766% | 3,011 |
| Equity capital to assets | 11.7648% | 2,138 |
| Core capital (leverage) ratio | 11.4363% | 2,065 |
| Tier 1 risk-based capital ratio | 18.4899% | 1,733 |
| Total risk-based capital ratio | 19.7432% | 1,686 |
| Memoranda: | ||
| Average total assets | $128,808,750 | 3,806 |
| Average earning assets | $125,869,250 | 3,681 |
| Average equity | $14,578,000 | 3,809 |
| Average total loans | $61,348,000 | 4,209 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 3,640 |
| Cost of funding earning assets | 0.4551% | 2,554 |
| Net interest margin | 3.4211% | 3,694 |
| Noninterest income to average assets | 0.1900% | 5,103 |
| Noninterest expense to average assets | 1.7718% | 5,343 |
| Loan and lease loss provision to assets | 0.1931% | 962 |
| Net operating income to assets | 1.2092% | 1,565 |
| Return on assets (ROA) | 1.2806% | 1,378 |
| Pretax return on assets | 1.6621% | 1,154 |
| Return on Equity (ROE) | 11.4627% | 1,472 |
| Retained earnings to average equity (ytd only) | 4.7427% | 2,891 |
| Net charge-offs to loans | -0.0131% | 4,626 |
| Credit loss provision to net charge-offs | -3,125.0000% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1311% | 5,298 |
| Assets per employee ($millions) | 5.8704% | 1,561 |
| Cash dividends to net income (ytd only)* | 58.6248% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0358% | 565 |
| Loan loss allowance to noncurrent loans | 39.2835% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.5289% | 424 |
| Noncurrent loans to loans | 5.1823% | 138 |
| Net loans and leases to total assets | 47.8048% | 4,836 |
| Net loans and leases to deposits | 56.6101% | 4,830 |
| Net loans and leases to core deposits | 65.2970% | 4,520 |
| Total domestic deposits to total assets | 84.4458% | 3,032 |
| Equity capital to assets | 11.5581% | 2,266 |
| Core capital (leverage) ratio | 11.1998% | 2,221 |
| Tier 1 risk-based capital ratio | 18.1052% | 1,823 |
| Total risk-based capital ratio | 19.3594% | 1,779 |
| Memoranda: | ||
| Average total assets | $129,474,670 | 3,812 |
| Average earning assets | $126,568,670 | 3,698 |
| Average equity | $14,464,330 | 3,826 |
| Average total loans | $61,033,670 | 4,240 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 3,745 |
| Cost of funding earning assets | 0.4543% | 2,490 |
| Net interest margin | 3.3536% | 3,829 |
| Noninterest income to average assets | 0.2036% | 5,050 |
| Noninterest expense to average assets | 1.7032% | 5,474 |
| Loan and lease loss provision to assets | 0.1543% | 1,186 |
| Net operating income to assets | 1.3096% | 1,212 |
| Return on assets (ROA) | 1.3545% | 1,141 |
| Pretax return on assets | 1.6816% | 1,043 |
| Return on Equity (ROE) | 12.3375% | 1,151 |
| Retained earnings to average equity (ytd only) | 5.7051% | 2,492 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8928% | 5,424 |
| Assets per employee ($millions) | 6.8403% | 1,021 |
| Cash dividends to net income (ytd only)* | 53.7585% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 673 |
| Loan loss allowance to noncurrent loans | 57.0076% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.6250% | 958 |
| Noncurrent loans to loans | 3.5024% | 347 |
| Net loans and leases to total assets | 45.4711% | 4,965 |
| Net loans and leases to deposits | 53.5731% | 4,962 |
| Net loans and leases to core deposits | 61.6718% | 4,680 |
| Total domestic deposits to total assets | 84.8768% | 3,132 |
| Equity capital to assets | 11.1452% | 2,484 |
| Core capital (leverage) ratio | 11.0708% | 2,290 |
| Tier 1 risk-based capital ratio | 18.3023% | 1,780 |
| Total risk-based capital ratio | 19.5556% | 1,745 |
| Memoranda: | ||
| Average total assets | $129,638,000 | 3,843 |
| Average earning assets | $126,787,500 | 3,724 |
| Average equity | $14,233,000 | 3,885 |
| Average total loans | $60,039,500 | 4,302 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 4,145 |
| Cost of funding earning assets | 0.4827% | 2,233 |
| Net interest margin | 3.2407% | 4,327 |
| Noninterest income to average assets | 0.1608% | 5,406 |
| Noninterest expense to average assets | 1.6518% | 5,604 |
| Loan and lease loss provision to assets | 0.1795% | 1,331 |
| Net operating income to assets | 1.1106% | 1,857 |
| Return on assets (ROA) | 1.1700% | 1,702 |
| Pretax return on assets | 1.5628% | 1,388 |
| Return on Equity (ROE) | 10.7415% | 1,675 |
| Retained earnings to average equity (ytd only) | 4.8556% | 2,443 |
| Net charge-offs to loans | 0.2189% | 1,261 |
| Credit loss provision to net charge-offs | 190.4762% | 1,487 |
| Earnings coverage of net charge-offs (x) | 17.6429% | 2,026 |
| Efficiency ratio | 49.8307% | 5,493 |
| Assets per employee ($millions) | 6.1576% | 1,362 |
| Cash dividends to net income (ytd only)* | 54.7954% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 761 |
| Loan loss allowance to noncurrent loans | 67.4854% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.3224% | 1,322 |
| Noncurrent loans to loans | 2.8606% | 495 |
| Net loans and leases to total assets | 45.3360% | 5,050 |
| Net loans and leases to deposits | 53.1636% | 5,053 |
| Net loans and leases to core deposits | 61.5101% | 4,775 |
| Total domestic deposits to total assets | 85.2765% | 2,936 |
| Equity capital to assets | 10.8120% | 2,803 |
| Core capital (leverage) ratio | 10.7303% | 2,621 |
| Tier 1 risk-based capital ratio | 18.1685% | 1,810 |
| Total risk-based capital ratio | 19.4216% | 1,770 |
| Memoranda: | ||
| Average total assets | $133,672,200 | 3,774 |
| Average earning assets | $130,094,400 | 3,644 |
| Average equity | $14,560,400 | 3,865 |
| Average total loans | $57,556,400 | 4,360 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 4,266 |
| Cost of funding earning assets | 0.4854% | 2,211 |
| Net interest margin | 3.2087% | 4,465 |
| Noninterest income to average assets | 0.1534% | 5,506 |
| Noninterest expense to average assets | 1.6720% | 5,628 |
| Loan and lease loss provision to assets | 0.1187% | 1,950 |
| Net operating income to assets | 1.1103% | 1,952 |
| Return on assets (ROA) | 1.1882% | 1,777 |
| Pretax return on assets | 1.5860% | 1,421 |
| Return on Equity (ROE) | 10.8892% | 1,710 |
| Retained earnings to average equity (ytd only) | 5.4763% | 2,496 |
| Net charge-offs to loans | 0.0561% | 2,560 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 67.4150% | 878 |
| Efficiency ratio | 51.0883% | 5,438 |
| Assets per employee ($millions) | 6.0096% | 1,427 |
| Cash dividends to net income (ytd only)* | 49.7087% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 889 |
| Loan loss allowance to noncurrent loans | 49.6070% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.7321% | 978 |
| Noncurrent loans to loans | 3.7802% | 316 |
| Net loans and leases to total assets | 44.9604% | 5,147 |
| Net loans and leases to deposits | 54.9168% | 5,058 |
| Net loans and leases to core deposits | 64.4278% | 4,704 |
| Total domestic deposits to total assets | 81.8700% | 3,972 |
| Equity capital to assets | 11.2826% | 2,719 |
| Core capital (leverage) ratio | 10.4785% | 3,019 |
| Tier 1 risk-based capital ratio | 17.9390% | 1,942 |
| Total risk-based capital ratio | 19.1918% | 1,903 |
| Memoranda: | ||
| Average total assets | $134,762,750 | 3,780 |
| Average earning assets | $131,015,000 | 3,656 |
| Average equity | $14,705,250 | 3,880 |
| Average total loans | $57,001,000 | 4,413 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 4,387 |
| Cost of funding earning assets | 0.4863% | 2,220 |
| Net interest margin | 3.1837% | 4,597 |
| Noninterest income to average assets | 0.1475% | 5,569 |
| Noninterest expense to average assets | 1.6488% | 5,725 |
| Loan and lease loss provision to assets | 0.0885% | 2,373 |
| Net operating income to assets | 1.1465% | 1,787 |
| Return on assets (ROA) | 1.1857% | 1,753 |
| Pretax return on assets | 1.5515% | 1,520 |
| Return on Equity (ROE) | 10.9876% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.1088% | 2,063 |
| Net charge-offs to loans | 0.0860% | 1,984 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 44.8750% | 1,073 |
| Efficiency ratio | 50.9339% | 5,508 |
| Assets per employee ($millions) | 6.5099% | 1,081 |
| Cash dividends to net income (ytd only)* | 44.4030% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 955 |
| Loan loss allowance to noncurrent loans | 50.2804% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.5654% | 1,196 |
| Noncurrent loans to loans | 3.7004% | 350 |
| Net loans and leases to total assets | 41.5158% | 5,356 |
| Net loans and leases to deposits | 51.8927% | 5,252 |
| Net loans and leases to core deposits | 61.9251% | 4,894 |
| Total domestic deposits to total assets | 80.0032% | 4,547 |
| Equity capital to assets | 11.1589% | 2,891 |
| Core capital (leverage) ratio | 10.2980% | 3,200 |
| Tier 1 risk-based capital ratio | 17.9318% | 1,950 |
| Total risk-based capital ratio | 19.1840% | 1,911 |
| Memoranda: | ||
| Average total assets | $135,613,000 | 3,785 |
| Average earning assets | $131,608,670 | 3,665 |
| Average equity | $14,634,670 | 3,907 |
| Average total loans | $55,808,330 | 4,478 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7092% | 4,286 |
| Cost of funding earning assets | 0.4841% | 2,237 |
| Net interest margin | 3.2251% | 4,498 |
| Noninterest income to average assets | 0.1392% | 5,651 |
| Noninterest expense to average assets | 1.6525% | 5,790 |
| Loan and lease loss provision to assets | 0.0888% | 2,201 |
| Net operating income to assets | 1.2194% | 1,491 |
| Return on assets (ROA) | 1.2586% | 1,475 |
| Pretax return on assets | 1.6051% | 1,276 |
| Return on Equity (ROE) | 11.8678% | 1,349 |
| Retained earnings to average equity (ytd only) | 6.9252% | 1,919 |
| Net charge-offs to loans | 0.1825% | 1,067 |
| Credit loss provision to net charge-offs | 120.0000% | 1,442 |
| Earnings coverage of net charge-offs (x) | 22.2000% | 1,413 |
| Efficiency ratio | 50.1348% | 5,618 |
| Assets per employee ($millions) | 6.0741% | 1,359 |
| Cash dividends to net income (ytd only)* | 41.6471% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8876% | 989 |
| Loan loss allowance to noncurrent loans | 62.3881% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2535% | 1,732 |
| Noncurrent loans to loans | 3.0256% | 532 |
| Net loans and leases to total assets | 40.6463% | 5,424 |
| Net loans and leases to deposits | 47.7562% | 5,431 |
| Net loans and leases to core deposits | 56.5074% | 5,111 |
| Total domestic deposits to total assets | 85.1120% | 3,085 |
| Equity capital to assets | 10.8785% | 3,072 |
| Core capital (leverage) ratio | 10.1495% | 3,372 |
| Tier 1 risk-based capital ratio | 18.2675% | 1,918 |
| Total risk-based capital ratio | 19.5189% | 1,873 |
| Memoranda: | ||
| Average total assets | $135,066,000 | 3,818 |
| Average earning assets | $132,213,500 | 3,683 |
| Average equity | $14,324,500 | 3,967 |
| Average total loans | $54,797,000 | 4,528 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 3,939 |
| Cost of funding earning assets | 0.5363% | 1,875 |
| Net interest margin | 3.2966% | 4,302 |
| Noninterest income to average assets | 0.1546% | 5,645 |
| Noninterest expense to average assets | 1.6624% | 5,878 |
| Loan and lease loss provision to assets | 0.0233% | 3,919 |
| Net operating income to assets | 1.2543% | 1,378 |
| Return on assets (ROA) | 1.2646% | 1,403 |
| Pretax return on assets | 1.7059% | 983 |
| Return on Equity (ROE) | 11.6014% | 1,411 |
| Retained earnings to average equity (ytd only) | 2.1307% | 4,506 |
| Net charge-offs to loans | -0.3812% | 6,050 |
| Credit loss provision to net charge-offs | -15.3061% | 4,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2180% | 5,788 |
| Assets per employee ($millions) | 6.2046% | 1,255 |
| Cash dividends to net income (ytd only)* | 81.6339% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9177% | 924 |
| Loan loss allowance to noncurrent loans | 245.8629% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 4,278 |
| Noncurrent loans to loans | 0.7800% | 2,836 |
| Net loans and leases to total assets | 38.9689% | 5,577 |
| Net loans and leases to deposits | 45.5034% | 5,592 |
| Net loans and leases to core deposits | 53.9729% | 5,320 |
| Total domestic deposits to total assets | 85.6397% | 2,791 |
| Equity capital to assets | 10.3384% | 3,578 |
| Core capital (leverage) ratio | 9.6187% | 4,027 |
| Tier 1 risk-based capital ratio | 18.0203% | 1,959 |
| Total risk-based capital ratio | 19.2725% | 1,915 |
| Memoranda: | ||
| Average total assets | $128,733,200 | 3,913 |
| Average earning assets | $125,858,400 | 3,776 |
| Average equity | $14,032,800 | 3,967 |
| Average total loans | $51,422,800 | 4,623 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 3,923 |
| Cost of funding earning assets | 0.5502% | 1,806 |
| Net interest margin | 3.3031% | 4,326 |
| Noninterest income to average assets | 0.1598% | 5,686 |
| Noninterest expense to average assets | 1.6951% | 5,905 |
| Loan and lease loss provision to assets | 0.0210% | 3,856 |
| Net operating income to assets | 1.2535% | 1,475 |
| Return on assets (ROA) | 1.2661% | 1,491 |
| Pretax return on assets | 1.6867% | 1,142 |
| Return on Equity (ROE) | 11.4557% | 1,546 |
| Retained earnings to average equity (ytd only) | 4.3958% | 3,346 |
| Net charge-offs to loans | -0.5257% | 6,160 |
| Credit loss provision to net charge-offs | -10.0000% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0621% | 5,773 |
| Assets per employee ($millions) | 5.7769% | 1,528 |
| Cash dividends to net income (ytd only)* | 61.6281% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 1,088 |
| Loan loss allowance to noncurrent loans | 310.5105% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 4,721 |
| Noncurrent loans to loans | 0.6093% | 3,486 |
| Net loans and leases to total assets | 42.1871% | 5,480 |
| Net loans and leases to deposits | 50.0037% | 5,469 |
| Net loans and leases to core deposits | 58.0285% | 5,190 |
| Total domestic deposits to total assets | 84.3679% | 3,277 |
| Equity capital to assets | 11.2746% | 2,727 |
| Core capital (leverage) ratio | 10.6447% | 2,885 |
| Tier 1 risk-based capital ratio | 18.3828% | 1,928 |
| Total risk-based capital ratio | 19.6352% | 1,890 |
| Memoranda: | ||
| Average total assets | $126,791,250 | 3,996 |
| Average earning assets | $123,838,500 | 3,851 |
| Average equity | $14,013,000 | 4,014 |
| Average total loans | $50,720,250 | 4,687 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 4,132 |
| Cost of funding earning assets | 0.5497% | 1,820 |
| Net interest margin | 3.2303% | 4,562 |
| Noninterest income to average assets | 0.1737% | 5,658 |
| Noninterest expense to average assets | 1.6939% | 5,973 |
| Loan and lease loss provision to assets | 0.0316% | 3,490 |
| Net operating income to assets | 1.1966% | 1,612 |
| Return on assets (ROA) | 1.2156% | 1,636 |
| Pretax return on assets | 1.6276% | 1,257 |
| Return on Equity (ROE) | 11.0730% | 1,658 |
| Retained earnings to average equity (ytd only) | 3.8971% | 3,521 |
| Net charge-offs to loans | -0.8095% | 6,254 |
| Credit loss provision to net charge-offs | -10.0000% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9013% | 5,807 |
| Assets per employee ($millions) | 5.7405% | 1,537 |
| Cash dividends to net income (ytd only)* | 64.8052% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9524% | 1,066 |
| Loan loss allowance to noncurrent loans | 327.2152% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 4,869 |
| Noncurrent loans to loans | 0.5967% | 3,675 |
| Net loans and leases to total assets | 41.1162% | 5,568 |
| Net loans and leases to deposits | 49.5747% | 5,527 |
| Net loans and leases to core deposits | 58.0594% | 5,190 |
| Total domestic deposits to total assets | 82.9378% | 3,977 |
| Equity capital to assets | 10.8852% | 3,007 |
| Core capital (leverage) ratio | 10.4217% | 3,060 |
| Tier 1 risk-based capital ratio | 19.0556% | 1,780 |
| Total risk-based capital ratio | 20.3087% | 1,750 |
| Memoranda: | ||
| Average total assets | $126,691,330 | 4,028 |
| Average earning assets | $123,704,000 | 3,887 |
| Average equity | $13,907,670 | 4,058 |
| Average total loans | $49,410,330 | 4,772 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5681% | 4,781 |
| Cost of funding earning assets | 0.5430% | 1,906 |
| Net interest margin | 3.0251% | 5,134 |
| Noninterest income to average assets | 0.2112% | 5,443 |
| Noninterest expense to average assets | 1.6014% | 6,113 |
| Loan and lease loss provision to assets | 0.0473% | 2,985 |
| Net operating income to assets | 1.2294% | 1,463 |
| Return on assets (ROA) | 1.2294% | 1,554 |
| Pretax return on assets | 1.5131% | 1,522 |
| Return on Equity (ROE) | 11.1524% | 1,593 |
| Retained earnings to average equity (ytd only) | 4.1178% | 3,537 |
| Net charge-offs to loans | 0.0084% | 3,046 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 495.0000% | 111 |
| Efficiency ratio | 50.6481% | 5,875 |
| Assets per employee ($millions) | 5.8001% | 1,553 |
| Cash dividends to net income (ytd only)* | 63.0769% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 1,765 |
| Loan loss allowance to noncurrent loans | 116.4557% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.0337% | 2,553 |
| Noncurrent loans to loans | 1.4506% | 1,960 |
| Net loans and leases to total assets | 37.7619% | 5,732 |
| Net loans and leases to deposits | 44.7828% | 5,721 |
| Net loans and leases to core deposits | 52.2223% | 5,474 |
| Total domestic deposits to total assets | 84.3223% | 3,687 |
| Equity capital to assets | 11.0923% | 2,875 |
| Core capital (leverage) ratio | 10.4755% | 2,998 |
| Tier 1 risk-based capital ratio | 19.6476% | 1,700 |
| Total risk-based capital ratio | 20.8745% | 1,670 |
| Memoranda: | ||
| Average total assets | $126,891,500 | 4,045 |
| Average earning assets | $123,764,500 | 3,910 |
| Average equity | $13,988,000 | 4,075 |
| Average total loans | $47,635,500 | 4,863 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 4,458 |
| Cost of funding earning assets | 0.6258% | 1,569 |
| Net interest margin | 3.1857% | 4,974 |
| Noninterest income to average assets | 0.1852% | 5,745 |
| Noninterest expense to average assets | 1.6860% | 6,168 |
| Loan and lease loss provision to assets | 0.0328% | 3,943 |
| Net operating income to assets | 1.1921% | 1,610 |
| Return on assets (ROA) | 1.2164% | 1,592 |
| Pretax return on assets | 1.5942% | 1,253 |
| Return on Equity (ROE) | 11.1191% | 1,687 |
| Retained earnings to average equity (ytd only) | 4.3682% | 3,071 |
| Net charge-offs to loans | 0.0586% | 3,666 |
| Credit loss provision to net charge-offs | 148.1481% | 1,628 |
| Earnings coverage of net charge-offs (x) | 72.0741% | 694 |
| Efficiency ratio | 51.3865% | 6,022 |
| Assets per employee ($millions) | 6.0086% | 1,370 |
| Cash dividends to net income (ytd only)* | 60.7143% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 1,630 |
| Loan loss allowance to noncurrent loans | 385.7820% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 3,614 |
| Noncurrent loans to loans | 0.4561% | 4,284 |
| Net loans and leases to total assets | 36.0149% | 5,953 |
| Net loans and leases to deposits | 42.4235% | 5,953 |
| Net loans and leases to core deposits | 48.3133% | 5,799 |
| Total domestic deposits to total assets | 84.8939% | 3,332 |
| Equity capital to assets | 10.9541% | 2,943 |
| Core capital (leverage) ratio | 10.4755% | 2,976 |
| Tier 1 risk-based capital ratio | 19.7578% | 1,650 |
| Total risk-based capital ratio | 20.9599% | 1,626 |
| Memoranda: | ||
| Average total assets | $122,001,400 | 4,140 |
| Average earning assets | $118,559,400 | 3,999 |
| Average equity | $13,346,400 | 4,128 |
| Average total loans | $46,038,200 | 4,952 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8602% | 4,327 |
| Cost of funding earning assets | 0.6458% | 1,483 |
| Net interest margin | 3.2144% | 4,916 |
| Noninterest income to average assets | 0.1995% | 5,734 |
| Noninterest expense to average assets | 1.7207% | 6,193 |
| Loan and lease loss provision to assets | 0.0276% | 3,855 |
| Net operating income to assets | 1.1858% | 1,730 |
| Return on assets (ROA) | 1.2180% | 1,677 |
| Pretax return on assets | 1.6160% | 1,276 |
| Return on Equity (ROE) | 11.1382% | 1,737 |
| Retained earnings to average equity (ytd only) | 4.4754% | 3,464 |
| Net charge-offs to loans | 0.0696% | 3,205 |
| Credit loss provision to net charge-offs | 104.1667% | 2,125 |
| Earnings coverage of net charge-offs (x) | 60.4984% | 856 |
| Efficiency ratio | 51.8088% | 6,002 |
| Assets per employee ($millions) | 5.7002% | 1,562 |
| Cash dividends to net income (ytd only)* | 59.8188% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 2,078 |
| Loan loss allowance to noncurrent loans | 203.5533% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 3,294 |
| Noncurrent loans to loans | 0.8188% | 3,531 |
| Net loans and leases to total assets | 39.5305% | 5,841 |
| Net loans and leases to deposits | 47.1780% | 5,812 |
| Net loans and leases to core deposits | 53.2805% | 5,607 |
| Total domestic deposits to total assets | 83.7902% | 3,839 |
| Equity capital to assets | 11.4080% | 2,572 |
| Core capital (leverage) ratio | 11.0893% | 2,403 |
| Tier 1 risk-based capital ratio | 19.8053% | 1,718 |
| Total risk-based capital ratio | 21.0293% | 1,691 |
| Memoranda: | ||
| Average total assets | $120,956,500 | 4,198 |
| Average earning assets | $117,468,250 | 4,045 |
| Average equity | $13,227,500 | 4,175 |
| Average total loans | $45,983,250 | 4,998 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 4,457 |
| Cost of funding earning assets | 0.6696% | 1,380 |
| Net interest margin | 3.1479% | 5,098 |
| Noninterest income to average assets | 0.2010% | 5,756 |
| Noninterest expense to average assets | 1.6939% | 6,274 |
| Loan and lease loss provision to assets | 0.0165% | 3,930 |
| Net operating income to assets | 1.1646% | 1,708 |
| Return on assets (ROA) | 1.2128% | 1,611 |
| Pretax return on assets | 1.6148% | 1,216 |
| Return on Equity (ROE) | 11.2498% | 1,646 |
| Retained earnings to average equity (ytd only) | 4.9065% | 3,021 |
| Net charge-offs to loans | 0.0928% | 2,754 |
| Credit loss provision to net charge-offs | 47.6190% | 2,826 |
| Earnings coverage of net charge-offs (x) | 45.2857% | 970 |
| Efficiency ratio | 51.9454% | 6,065 |
| Assets per employee ($millions) | 5.6224% | 1,591 |
| Cash dividends to net income (ytd only)* | 56.3859% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 2,316 |
| Loan loss allowance to noncurrent loans | 84.5824% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.3238% | 2,469 |
| Noncurrent loans to loans | 1.9419% | 1,748 |
| Net loans and leases to total assets | 40.0666% | 5,810 |
| Net loans and leases to deposits | 48.1727% | 5,764 |
| Net loans and leases to core deposits | 56.0310% | 5,411 |
| Total domestic deposits to total assets | 83.1728% | 4,234 |
| Equity capital to assets | 11.5032% | 2,422 |
| Core capital (leverage) ratio | 10.6642% | 2,760 |
| Tier 1 risk-based capital ratio | 20.0162% | 1,680 |
| Total risk-based capital ratio | 21.2464% | 1,658 |
| Memoranda: | ||
| Average total assets | $121,373,670 | 4,207 |
| Average earning assets | $117,983,000 | 4,063 |
| Average equity | $13,084,670 | 4,204 |
| Average total loans | $45,270,330 | 5,063 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 4,714 |
| Cost of funding earning assets | 0.6754% | 1,403 |
| Net interest margin | 3.0626% | 5,354 |
| Noninterest income to average assets | 0.1983% | 5,772 |
| Noninterest expense to average assets | 1.5997% | 6,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1584% | 1,600 |
| Return on assets (ROA) | 1.1607% | 1,667 |
| Pretax return on assets | 1.5802% | 1,213 |
| Return on Equity (ROE) | 11.1250% | 1,643 |
| Retained earnings to average equity (ytd only) | 5.3599% | 2,881 |
| Net charge-offs to loans | 0.1459% | 1,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 30.3125% | 1,048 |
| Efficiency ratio | 50.3582% | 6,232 |
| Assets per employee ($millions) | 5.8884% | 1,379 |
| Cash dividends to net income (ytd only)* | 51.8207% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 2,165 |
| Loan loss allowance to noncurrent loans | 236.4458% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 3,790 |
| Noncurrent loans to loans | 0.7431% | 4,009 |
| Net loans and leases to total assets | 35.4944% | 6,095 |
| Net loans and leases to deposits | 42.1017% | 6,074 |
| Net loans and leases to core deposits | 49.1033% | 5,820 |
| Total domestic deposits to total assets | 84.3065% | 4,162 |
| Equity capital to assets | 10.5899% | 3,155 |
| Core capital (leverage) ratio | 10.3651% | 3,097 |
| Tier 1 risk-based capital ratio | 20.2032% | 1,672 |
| Total risk-based capital ratio | 21.4515% | 1,639 |
| Memoranda: | ||
| Average total assets | $123,025,000 | 4,211 |
| Average earning assets | $119,635,000 | 4,049 |
| Average equity | $12,836,000 | 4,266 |
| Average total loans | $43,857,000 | 5,171 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 5,266 |
| Cost of funding earning assets | 0.8071% | 1,179 |
| Net interest margin | 2.8478% | 5,902 |
| Noninterest income to average assets | 0.2122% | 5,815 |
| Noninterest expense to average assets | 1.6447% | 6,489 |
| Loan and lease loss provision to assets | 0.0167% | 4,800 |
| Net operating income to assets | 1.0025% | 2,313 |
| Return on assets (ROA) | 1.0140% | 2,333 |
| Pretax return on assets | 1.3214% | 2,072 |
| Return on Equity (ROE) | 9.5557% | 2,306 |
| Retained earnings to average equity (ytd only) | 7.3675% | 1,284 |
| Net charge-offs to loans | -0.0023% | 5,859 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4180% | 6,005 |
| Assets per employee ($millions) | 5.8283% | 1,384 |
| Cash dividends to net income (ytd only)* | 22.8995% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8611% | 1,888 |
| Loan loss allowance to noncurrent loans | 212.4668% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 3,816 |
| Noncurrent loans to loans | 0.8760% | 3,792 |
| Net loans and leases to total assets | 34.5090% | 6,266 |
| Net loans and leases to deposits | 40.7096% | 6,277 |
| Net loans and leases to core deposits | 47.7745% | 6,048 |
| Total domestic deposits to total assets | 84.7689% | 3,858 |
| Equity capital to assets | 10.2758% | 3,416 |
| Core capital (leverage) ratio | 10.1603% | 3,347 |
| Tier 1 risk-based capital ratio | 20.5140% | 1,539 |
| Total risk-based capital ratio | 21.7645% | 1,512 |
| Memoranda: | ||
| Average total assets | $119,719,200 | 4,285 |
| Average earning assets | $115,844,800 | 4,134 |
| Average equity | $12,704,400 | 4,312 |
| Average total loans | $43,851,600 | 5,196 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 5,321 |
| Cost of funding earning assets | 0.8288% | 1,159 |
| Net interest margin | 2.8140% | 5,991 |
| Noninterest income to average assets | 0.2162% | 5,884 |
| Noninterest expense to average assets | 1.7382% | 6,429 |
| Loan and lease loss provision to assets | 0.0224% | 4,559 |
| Net operating income to assets | 0.9260% | 2,708 |
| Return on assets (ROA) | 0.9419% | 2,738 |
| Pretax return on assets | 1.1983% | 2,703 |
| Return on Equity (ROE) | 8.8041% | 2,738 |
| Retained earnings to average equity (ytd only) | 7.8305% | 1,487 |
| Net charge-offs to loans | -0.0121% | 5,926 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1463% | 5,539 |
| Assets per employee ($millions) | 5.9411% | 1,272 |
| Cash dividends to net income (ytd only)* | 11.0585% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 2,351 |
| Loan loss allowance to noncurrent loans | 251.2500% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 4,067 |
| Noncurrent loans to loans | 0.7105% | 4,434 |
| Net loans and leases to total assets | 37.2296% | 6,208 |
| Net loans and leases to deposits | 44.4173% | 6,189 |
| Net loans and leases to core deposits | 52.2272% | 5,878 |
| Total domestic deposits to total assets | 83.8178% | 4,274 |
| Equity capital to assets | 10.6807% | 3,092 |
| Core capital (leverage) ratio | 10.5825% | 2,914 |
| Tier 1 risk-based capital ratio | 20.1114% | 1,711 |
| Total risk-based capital ratio | 21.3626% | 1,681 |
| Memoranda: | ||
| Average total assets | $119,050,500 | 4,338 |
| Average earning assets | $115,182,750 | 4,199 |
| Average equity | $12,736,250 | 4,358 |
| Average total loans | $44,055,000 | 5,237 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5932% | 5,454 |
| Cost of funding earning assets | 0.8450% | 1,169 |
| Net interest margin | 2.7483% | 6,098 |
| Noninterest income to average assets | 0.2166% | 5,891 |
| Noninterest expense to average assets | 1.6906% | 6,504 |
| Loan and lease loss provision to assets | 0.0252% | 4,415 |
| Net operating income to assets | 0.9049% | 2,764 |
| Return on assets (ROA) | 0.9284% | 2,807 |
| Pretax return on assets | 1.1903% | 2,716 |
| Return on Equity (ROE) | 8.6736% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.6736% | 1,235 |
| Net charge-offs to loans | -0.0183% | 5,948 |
| Credit loss provision to net charge-offs | -375.0000% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7858% | 5,628 |
| Assets per employee ($millions) | 5.4860% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7968% | 2,445 |
| Loan loss allowance to noncurrent loans | 146.8750% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 1.0425% | 3,664 |
| Noncurrent loans to loans | 1.2234% | 3,510 |
| Net loans and leases to total assets | 37.9055% | 6,185 |
| Net loans and leases to deposits | 45.1733% | 6,158 |
| Net loans and leases to core deposits | 53.6586% | 5,776 |
| Total domestic deposits to total assets | 83.9113% | 4,360 |
| Equity capital to assets | 10.6896% | 3,070 |
| Core capital (leverage) ratio | 10.2765% | 3,127 |
| Tier 1 risk-based capital ratio | 19.8147% | 1,762 |
| Total risk-based capital ratio | 21.0640% | 1,737 |
| Memoranda: | ||
| Average total assets | $119,126,670 | 4,368 |
| Average earning assets | $115,272,000 | 4,225 |
| Average equity | $12,751,330 | 4,383 |
| Average total loans | $43,726,330 | 5,273 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4740% | 5,775 |
| Cost of funding earning assets | 0.8516% | 1,245 |
| Net interest margin | 2.6224% | 6,339 |
| Noninterest income to average assets | 0.2147% | 5,942 |
| Noninterest expense to average assets | 1.6352% | 6,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8721% | 2,793 |
| Return on assets (ROA) | 0.8721% | 2,945 |
| Pretax return on assets | 1.1430% | 2,802 |
| Return on Equity (ROE) | 8.1422% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.1422% | 1,696 |
| Net charge-offs to loans | -0.0277% | 5,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8585% | 5,734 |
| Assets per employee ($millions) | 5.9984% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 2,655 |
| Loan loss allowance to noncurrent loans | 61.4600% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 3,808 |
| Noncurrent loans to loans | 2.9095% | 1,728 |
| Net loans and leases to total assets | 35.8465% | 6,305 |
| Net loans and leases to deposits | 43.2919% | 6,253 |
| Net loans and leases to core deposits | 51.1088% | 5,889 |
| Total domestic deposits to total assets | 82.8019% | 4,919 |
| Equity capital to assets | 10.8438% | 3,154 |
| Core capital (leverage) ratio | 9.7998% | 3,664 |
| Tier 1 risk-based capital ratio | 19.4286% | 1,927 |
| Total risk-based capital ratio | 20.6785% | 1,905 |
| Memoranda: | ||
| Average total assets | $121,087,500 | 4,370 |
| Average earning assets | $118,365,500 | 4,188 |
| Average equity | $12,969,500 | 4,387 |
| Average total loans | $43,355,500 | 5,325 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 5,007 |
| Cost of funding earning assets | 1.0083% | 1,317 |
| Net interest margin | 3.0752% | 5,870 |
| Noninterest income to average assets | 0.2051% | 5,947 |
| Noninterest expense to average assets | 1.6883% | 6,733 |
| Loan and lease loss provision to assets | 0.0619% | 4,993 |
| Net operating income to assets | 1.1124% | 1,900 |
| Return on assets (ROA) | 1.1358% | 1,992 |
| Pretax return on assets | 1.4478% | 1,862 |
| Return on Equity (ROE) | 10.2836% | 2,059 |
| Retained earnings to average equity (ytd only) | 7.1465% | 1,498 |
| Net charge-offs to loans | -0.0270% | 6,602 |
| Credit loss provision to net charge-offs | -583.3333% | 6,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2924% | 6,346 |
| Assets per employee ($millions) | 6.1104% | 1,214 |
| Cash dividends to net income (ytd only)* | 30.5058% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 2,537 |
| Loan loss allowance to noncurrent loans | 68.1818% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 0.9361% | 4,163 |
| Noncurrent loans to loans | 2.6652% | 1,988 |
| Net loans and leases to total assets | 34.4855% | 6,521 |
| Net loans and leases to deposits | 41.0728% | 6,497 |
| Net loans and leases to core deposits | 47.9973% | 6,272 |
| Total domestic deposits to total assets | 83.9618% | 4,331 |
| Equity capital to assets | 10.5803% | 3,423 |
| Core capital (leverage) ratio | 9.4894% | 4,123 |
| Tier 1 risk-based capital ratio | 19.6763% | 1,763 |
| Total risk-based capital ratio | 20.9267% | 1,733 |
| Memoranda: | ||
| Average total assets | $113,133,400 | 4,515 |
| Average earning assets | $109,000,600 | 4,367 |
| Average equity | $12,495,600 | 4,460 |
| Average total loans | $44,391,200 | 5,307 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 4,723 |
| Cost of funding earning assets | 1.0263% | 1,417 |
| Net interest margin | 3.2004% | 5,702 |
| Noninterest income to average assets | 0.2056% | 6,057 |
| Noninterest expense to average assets | 1.7907% | 6,688 |
| Loan and lease loss provision to assets | 0.0722% | 4,763 |
| Net operating income to assets | 1.1290% | 1,988 |
| Return on assets (ROA) | 1.1185% | 2,224 |
| Pretax return on assets | 1.4047% | 2,219 |
| Return on Equity (ROE) | 10.0103% | 2,344 |
| Retained earnings to average equity (ytd only) | 8.3957% | 1,445 |
| Net charge-offs to loans | -0.0477% | 6,694 |
| Credit loss provision to net charge-offs | -375.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5821% | 6,192 |
| Assets per employee ($millions) | 5.6952% | 1,460 |
| Cash dividends to net income (ytd only)* | 16.1294% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 3,076 |
| Loan loss allowance to noncurrent loans | 90.1048% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 4,814 |
| Noncurrent loans to loans | 1.9098% | 2,955 |
| Net loans and leases to total assets | 38.8090% | 6,368 |
| Net loans and leases to deposits | 47.0271% | 6,314 |
| Net loans and leases to core deposits | 54.6503% | 5,996 |
| Total domestic deposits to total assets | 82.5248% | 4,825 |
| Equity capital to assets | 11.4746% | 2,776 |
| Core capital (leverage) ratio | 10.1970% | 3,287 |
| Tier 1 risk-based capital ratio | 19.1348% | 1,968 |
| Total risk-based capital ratio | 20.3846% | 1,941 |
| Memoranda: | ||
| Average total assets | $110,864,750 | 4,617 |
| Average earning assets | $106,524,250 | 4,476 |
| Average equity | $12,387,000 | 4,526 |
| Average total loans | $44,758,000 | 5,358 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 4,691 |
| Cost of funding earning assets | 1.0311% | 1,576 |
| Net interest margin | 3.2380% | 5,627 |
| Noninterest income to average assets | 0.2112% | 6,052 |
| Noninterest expense to average assets | 1.8370% | 6,707 |
| Loan and lease loss provision to assets | 0.0728% | 4,719 |
| Net operating income to assets | 1.1193% | 1,983 |
| Return on assets (ROA) | 1.1033% | 2,250 |
| Pretax return on assets | 1.3800% | 2,291 |
| Return on Equity (ROE) | 9.9677% | 2,364 |
| Retained earnings to average equity (ytd only) | 9.9677% | 984 |
| Net charge-offs to loans | -0.0716% | 6,770 |
| Credit loss provision to net charge-offs | -250.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5006% | 6,175 |
| Assets per employee ($millions) | 5.2001% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 3,546 |
| Loan loss allowance to noncurrent loans | 87.8788% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 4,824 |
| Noncurrent loans to loans | 1.8405% | 3,166 |
| Net loans and leases to total assets | 41.9983% | 6,183 |
| Net loans and leases to deposits | 50.9572% | 6,108 |
| Net loans and leases to core deposits | 59.8140% | 5,609 |
| Total domestic deposits to total assets | 82.4188% | 4,974 |
| Equity capital to assets | 11.5291% | 2,562 |
| Core capital (leverage) ratio | 10.3371% | 3,003 |
| Tier 1 risk-based capital ratio | 18.9931% | 1,969 |
| Total risk-based capital ratio | 20.2425% | 1,952 |
| Memoranda: | ||
| Average total assets | $109,851,670 | 4,675 |
| Average earning assets | $105,127,670 | 4,531 |
| Average equity | $12,159,330 | 4,570 |
| Average total loans | $44,684,330 | 5,396 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 4,600 |
| Cost of funding earning assets | 1.0275% | 1,833 |
| Net interest margin | 3.3047% | 5,457 |
| Noninterest income to average assets | 0.2106% | 6,116 |
| Noninterest expense to average assets | 1.7862% | 6,808 |
| Loan and lease loss provision to assets | 0.1452% | 3,548 |
| Net operating income to assets | 1.1313% | 1,949 |
| Return on assets (ROA) | 1.0964% | 2,294 |
| Pretax return on assets | 1.3651% | 2,311 |
| Return on Equity (ROE) | 10.1139% | 2,359 |
| Retained earnings to average equity (ytd only) | 10.1139% | 1,240 |
| Net charge-offs to loans | -0.1098% | 6,822 |
| Credit loss provision to net charge-offs | -333.3333% | 5,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4783% | 6,395 |
| Assets per employee ($millions) | 5.8116% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 3,341 |
| Loan loss allowance to noncurrent loans | 92.7070% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 5,079 |
| Noncurrent loans to loans | 1.8365% | 3,361 |
| Net loans and leases to total assets | 39.2139% | 6,409 |
| Net loans and leases to deposits | 47.1863% | 6,345 |
| Net loans and leases to core deposits | 54.7187% | 6,002 |
| Total domestic deposits to total assets | 83.1045% | 4,884 |
| Equity capital to assets | 10.9799% | 2,927 |
| Core capital (leverage) ratio | 10.0702% | 3,287 |
| Tier 1 risk-based capital ratio | 19.2752% | 1,908 |
| Total risk-based capital ratio | 20.5258% | 1,877 |
| Memoranda: | ||
| Average total assets | $110,176,500 | 4,704 |
| Average earning assets | $104,335,000 | 4,591 |
| Average equity | $11,944,000 | 4,622 |
| Average total loans | $43,718,000 | 5,479 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 5,493 |
| Cost of funding earning assets | 1.1322% | 2,452 |
| Net interest margin | 3.2495% | 5,964 |
| Noninterest income to average assets | 0.2175% | 5,962 |
| Noninterest expense to average assets | 1.8148% | 6,939 |
| Loan and lease loss provision to assets | 0.2007% | 4,177 |
| Net operating income to assets | 1.0104% | 2,164 |
| Return on assets (ROA) | 1.0362% | 2,213 |
| Pretax return on assets | 1.3051% | 2,113 |
| Return on Equity (ROE) | 10.2614% | 1,967 |
| Retained earnings to average equity (ytd only) | 8.8285% | 850 |
| Net charge-offs to loans | 0.7034% | 2,400 |
| Credit loss provision to net charge-offs | 72.1477% | 4,769 |
| Earnings coverage of net charge-offs (x) | 5.2953% | 2,841 |
| Efficiency ratio | 55.1959% | 6,399 |
| Assets per employee ($millions) | 5.4967% | 1,639 |
| Cash dividends to net income (ytd only)* | 13.9640% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 3,552 |
| Loan loss allowance to noncurrent loans | 65.1119% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9751% | 4,658 |
| Noncurrent loans to loans | 2.4708% | 2,665 |
| Net loans and leases to total assets | 38.8309% | 6,610 |
| Net loans and leases to deposits | 46.5138% | 6,596 |
| Net loans and leases to core deposits | 53.0596% | 6,365 |
| Total domestic deposits to total assets | 83.4827% | 4,548 |
| Equity capital to assets | 10.7011% | 3,303 |
| Core capital (leverage) ratio | 9.7031% | 3,742 |
| Tier 1 risk-based capital ratio | 18.5645% | 2,026 |
| Total risk-based capital ratio | 19.7752% | 2,007 |
| Memoranda: | ||
| Average total assets | $107,120,800 | 4,701 |
| Average earning assets | $101,216,400 | 4,604 |
| Average equity | $10,817,200 | 4,825 |
| Average total loans | $42,364,400 | 5,592 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 5,658 |
| Cost of funding earning assets | 1.1539% | 2,614 |
| Net interest margin | 3.2306% | 6,079 |
| Noninterest income to average assets | 0.2305% | 5,970 |
| Noninterest expense to average assets | 1.8004% | 6,999 |
| Loan and lease loss provision to assets | 0.0564% | 5,734 |
| Net operating income to assets | 1.1151% | 1,918 |
| Return on assets (ROA) | 1.1489% | 1,933 |
| Pretax return on assets | 1.4834% | 1,693 |
| Return on Equity (ROE) | 11.5556% | 1,659 |
| Retained earnings to average equity (ytd only) | 9.6023% | 955 |
| Net charge-offs to loans | -0.0380% | 7,004 |
| Credit loss provision to net charge-offs | -375.0000% | 6,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6180% | 6,429 |
| Assets per employee ($millions) | 5.4341% | 1,663 |
| Cash dividends to net income (ytd only)* | 16.9028% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 2,452 |
| Loan loss allowance to noncurrent loans | 184.5815% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 6,035 |
| Noncurrent loans to loans | 1.0604% | 4,793 |
| Net loans and leases to total assets | 38.6250% | 6,733 |
| Net loans and leases to deposits | 46.8342% | 6,692 |
| Net loans and leases to core deposits | 53.9570% | 6,462 |
| Total domestic deposits to total assets | 82.4716% | 4,893 |
| Equity capital to assets | 10.6725% | 3,489 |
| Core capital (leverage) ratio | 9.9693% | 3,479 |
| Tier 1 risk-based capital ratio | 18.5899% | 2,066 |
| Total risk-based capital ratio | 19.8422% | 2,020 |
| Memoranda: | ||
| Average total assets | $106,417,750 | 4,749 |
| Average earning assets | $100,991,000 | 4,645 |
| Average equity | $10,580,500 | 4,898 |
| Average total loans | $42,109,000 | 5,645 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 5,809 |
| Cost of funding earning assets | 1.2026% | 2,567 |
| Net interest margin | 3.1615% | 6,257 |
| Noninterest income to average assets | 0.2328% | 5,977 |
| Noninterest expense to average assets | 1.8455% | 7,023 |
| Loan and lease loss provision to assets | 0.0568% | 5,609 |
| Net operating income to assets | 1.0303% | 2,103 |
| Return on assets (ROA) | 1.0827% | 2,022 |
| Pretax return on assets | 1.3723% | 1,886 |
| Return on Equity (ROE) | 11.1708% | 1,736 |
| Retained earnings to average equity (ytd only) | 8.1437% | 1,411 |
| Net charge-offs to loans | -0.0573% | 7,054 |
| Credit loss provision to net charge-offs | -250.0000% | 6,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5221% | 6,226 |
| Assets per employee ($millions) | 5.2630% | 1,805 |
| Cash dividends to net income (ytd only)* | 27.0979% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 2,711 |
| Loan loss allowance to noncurrent loans | 153.2588% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 5,951 |
| Noncurrent loans to loans | 1.2297% | 4,605 |
| Net loans and leases to total assets | 38.7666% | 6,817 |
| Net loans and leases to deposits | 45.8619% | 6,837 |
| Net loans and leases to core deposits | 51.9257% | 6,671 |
| Total domestic deposits to total assets | 84.5290% | 4,106 |
| Equity capital to assets | 9.8595% | 4,320 |
| Core capital (leverage) ratio | 9.7529% | 3,590 |
| Tier 1 risk-based capital ratio | 17.6546% | 2,285 |
| Total risk-based capital ratio | 18.9069% | 2,254 |
| Memoranda: | ||
| Average total assets | $105,663,330 | 4,804 |
| Average earning assets | $99,447,330 | 4,720 |
| Average equity | $10,241,000 | 4,985 |
| Average total loans | $41,873,330 | 5,708 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 6,322 |
| Cost of funding earning assets | 1.2543% | 2,476 |
| Net interest margin | 2.9281% | 6,709 |
| Noninterest income to average assets | 0.2402% | 5,983 |
| Noninterest expense to average assets | 1.7979% | 7,146 |
| Loan and lease loss provision to assets | 0.0581% | 5,272 |
| Net operating income to assets | 0.9571% | 2,325 |
| Return on assets (ROA) | 1.0655% | 2,010 |
| Pretax return on assets | 1.3329% | 1,932 |
| Return on Equity (ROE) | 11.0965% | 1,706 |
| Retained earnings to average equity (ytd only) | 4.8421% | 3,285 |
| Net charge-offs to loans | 0.0879% | 4,073 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 730 |
| Efficiency ratio | 58.8832% | 6,144 |
| Assets per employee ($millions) | 5.1436% | 1,972 |
| Cash dividends to net income (ytd only)* | 56.3636% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9333% | 2,583 |
| Loan loss allowance to noncurrent loans | 236.3363% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 6,384 |
| Noncurrent loans to loans | 0.8180% | 5,401 |
| Net loans and leases to total assets | 38.8055% | 6,854 |
| Net loans and leases to deposits | 46.0890% | 6,840 |
| Net loans and leases to core deposits | 51.8246% | 6,687 |
| Total domestic deposits to total assets | 84.1969% | 4,410 |
| Equity capital to assets | 9.8589% | 3,958 |
| Core capital (leverage) ratio | 9.6380% | 3,615 |
| Tier 1 risk-based capital ratio | 17.9552% | 2,128 |
| Total risk-based capital ratio | 19.2070% | 2,097 |
| Memoranda: | ||
| Average total assets | $103,233,500 | 4,911 |
| Average earning assets | $99,177,000 | 4,762 |
| Average equity | $9,913,000 | 5,066 |
| Average total loans | $40,975,500 | 5,812 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 5,355 |
| Cost of funding earning assets | 1.6078% | 2,029 |
| Net interest margin | 3.2101% | 6,249 |
| Noninterest income to average assets | 0.2235% | 6,206 |
| Noninterest expense to average assets | 1.8719% | 7,199 |
| Loan and lease loss provision to assets | 0.1112% | 6,043 |
| Net operating income to assets | 0.9759% | 2,123 |
| Return on assets (ROA) | 0.9759% | 2,233 |
| Pretax return on assets | 1.1984% | 2,231 |
| Return on Equity (ROE) | 9.6488% | 2,056 |
| Retained earnings to average equity (ytd only) | 3.6396% | 3,316 |
| Net charge-offs to loans | -0.0217% | 7,373 |
| Credit loss provision to net charge-offs | -1,222.2222% | 7,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8366% | 6,230 |
| Assets per employee ($millions) | 5.1798% | 1,889 |
| Cash dividends to net income (ytd only)* | 62.2798% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8936% | 2,585 |
| Loan loss allowance to noncurrent loans | 330.9322% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 6,661 |
| Noncurrent loans to loans | 0.5722% | 5,909 |
| Net loans and leases to total assets | 39.0588% | 7,019 |
| Net loans and leases to deposits | 45.9791% | 7,044 |
| Net loans and leases to core deposits | 51.4751% | 6,926 |
| Total domestic deposits to total assets | 84.9491% | 3,879 |
| Equity capital to assets | 9.3479% | 4,619 |
| Core capital (leverage) ratio | 9.0967% | 4,364 |
| Tier 1 risk-based capital ratio | 17.3705% | 2,214 |
| Total risk-based capital ratio | 18.6215% | 2,180 |
| Memoranda: | ||
| Average total assets | $98,884,400 | 5,014 |
| Average earning assets | $91,117,800 | 4,981 |
| Average equity | $10,001,200 | 5,135 |
| Average total loans | $41,438,800 | 5,866 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 4,945 |
| Cost of funding earning assets | 1.6699% | 2,004 |
| Net interest margin | 3.3008% | 6,014 |
| Noninterest income to average assets | 0.2347% | 6,205 |
| Noninterest expense to average assets | 1.8722% | 7,244 |
| Loan and lease loss provision to assets | 0.1228% | 5,798 |
| Net operating income to assets | 0.9921% | 2,263 |
| Return on assets (ROA) | 0.9921% | 2,378 |
| Pretax return on assets | 1.2391% | 2,364 |
| Return on Equity (ROE) | 9.6157% | 2,284 |
| Retained earnings to average equity (ytd only) | 3.8092% | 3,780 |
| Net charge-offs to loans | -0.0418% | 7,447 |
| Credit loss provision to net charge-offs | -692.3077% | 7,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8903% | 6,287 |
| Assets per employee ($millions) | 5.1750% | 1,967 |
| Cash dividends to net income (ytd only)* | 60.3852% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 2,730 |
| Loan loss allowance to noncurrent loans | 273.2143% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 6,699 |
| Noncurrent loans to loans | 0.6652% | 5,870 |
| Net loans and leases to total assets | 39.9308% | 7,078 |
| Net loans and leases to deposits | 47.8405% | 7,093 |
| Net loans and leases to core deposits | 54.6876% | 6,926 |
| Total domestic deposits to total assets | 83.4665% | 4,393 |
| Equity capital to assets | 10.2252% | 3,844 |
| Core capital (leverage) ratio | 9.6843% | 3,639 |
| Tier 1 risk-based capital ratio | 17.4606% | 2,189 |
| Total risk-based capital ratio | 18.7115% | 2,151 |
| Memoranda: | ||
| Average total assets | $97,706,750 | 5,119 |
| Average earning assets | $88,784,750 | 5,116 |
| Average equity | $10,080,500 | 5,168 |
| Average total loans | $41,487,500 | 5,946 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 5,014 |
| Cost of funding earning assets | 1.6987% | 2,124 |
| Net interest margin | 3.2855% | 6,064 |
| Noninterest income to average assets | 0.2485% | 6,132 |
| Noninterest expense to average assets | 1.9086% | 7,251 |
| Loan and lease loss provision to assets | 0.1253% | 5,633 |
| Net operating income to assets | 0.9940% | 2,225 |
| Return on assets (ROA) | 0.9940% | 2,299 |
| Pretax return on assets | 1.2195% | 2,351 |
| Return on Equity (ROE) | 9.6036% | 2,241 |
| Retained earnings to average equity (ytd only) | 3.9342% | 3,579 |
| Net charge-offs to loans | -0.0436% | 7,424 |
| Credit loss provision to net charge-offs | -666.6667% | 6,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6650% | 6,282 |
| Assets per employee ($millions) | 5.0105% | 2,175 |
| Cash dividends to net income (ytd only)* | 59.0336% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 2,999 |
| Loan loss allowance to noncurrent loans | 147.6768% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 6,221 |
| Noncurrent loans to loans | 1.1646% | 5,010 |
| Net loans and leases to total assets | 41.6849% | 7,056 |
| Net loans and leases to deposits | 49.8377% | 7,075 |
| Net loans and leases to core deposits | 60.5909% | 6,670 |
| Total domestic deposits to total assets | 83.6412% | 4,269 |
| Equity capital to assets | 10.2156% | 3,748 |
| Core capital (leverage) ratio | 9.4914% | 3,835 |
| Tier 1 risk-based capital ratio | 17.2262% | 2,190 |
| Total risk-based capital ratio | 18.4777% | 2,155 |
| Memoranda: | ||
| Average total assets | $95,776,000 | 5,199 |
| Average earning assets | $87,597,000 | 5,193 |
| Average equity | $9,913,000 | 5,226 |
| Average total loans | $41,285,670 | 5,996 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 5,150 |
| Cost of funding earning assets | 1.6996% | 2,392 |
| Net interest margin | 3.2724% | 6,065 |
| Noninterest income to average assets | 0.2651% | 6,033 |
| Noninterest expense to average assets | 1.8983% | 7,333 |
| Loan and lease loss provision to assets | 0.1283% | 5,292 |
| Net operating income to assets | 0.9962% | 2,201 |
| Return on assets (ROA) | 0.9962% | 2,270 |
| Pretax return on assets | 1.2185% | 2,300 |
| Return on Equity (ROE) | 9.5580% | 2,267 |
| Retained earnings to average equity (ytd only) | 4.2252% | 3,614 |
| Net charge-offs to loans | -0.0885% | 7,499 |
| Credit loss provision to net charge-offs | -333.3333% | 6,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4980% | 6,409 |
| Assets per employee ($millions) | 4.8829% | 2,385 |
| Cash dividends to net income (ytd only)* | 55.7940% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 3,044 |
| Loan loss allowance to noncurrent loans | 200.8596% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 6,582 |
| Noncurrent loans to loans | 0.8495% | 5,613 |
| Net loans and leases to total assets | 41.3498% | 7,162 |
| Net loans and leases to deposits | 49.3450% | 7,161 |
| Net loans and leases to core deposits | 54.4460% | 7,078 |
| Total domestic deposits to total assets | 83.7974% | 4,247 |
| Equity capital to assets | 10.0423% | 3,810 |
| Core capital (leverage) ratio | 10.0294% | 3,133 |
| Tier 1 risk-based capital ratio | 17.6726% | 2,029 |
| Total risk-based capital ratio | 18.9225% | 2,007 |
| Memoranda: | ||
| Average total assets | $93,559,500 | 5,331 |
| Average earning assets | $85,198,500 | 5,332 |
| Average equity | $9,751,000 | 5,311 |
| Average total loans | $40,677,000 | 6,094 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4468% | 4,451 |
| Cost of funding earning assets | 1.7815% | 4,093 |
| Net interest margin | 3.6653% | 4,283 |
| Noninterest income to average assets | 0.2729% | 6,160 |
| Noninterest expense to average assets | 2.0983% | 7,193 |
| Loan and lease loss provision to assets | 0.2633% | 5,300 |
| Net operating income to assets | 1.0698% | 1,597 |
| Return on assets (ROA) | 1.0952% | 1,569 |
| Pretax return on assets | 1.2879% | 1,728 |
| Return on Equity (ROE) | 9.7154% | 1,778 |
| Retained earnings to average equity (ytd only) | 3.7588% | 2,562 |
| Net charge-offs to loans | 0.3970% | 4,232 |
| Credit loss provision to net charge-offs | 141.9355% | 3,407 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 1,979 |
| Efficiency ratio | 57.9696% | 6,761 |
| Assets per employee ($millions) | 4.2601% | 3,332 |
| Cash dividends to net income (ytd only)* | 61.3115% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 3,109 |
| Loan loss allowance to noncurrent loans | 193.5673% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 6,492 |
| Noncurrent loans to loans | 0.8492% | 5,596 |
| Net loans and leases to total assets | 44.2758% | 7,104 |
| Net loans and leases to deposits | 53.0261% | 7,108 |
| Net loans and leases to core deposits | 64.6726% | 7,048 |
| Total domestic deposits to total assets | 83.4980% | 4,287 |
| Equity capital to assets | 10.8370% | 2,837 |
| Core capital (leverage) ratio | 10.4332% | 2,665 |
| Tier 1 risk-based capital ratio | 18.3099% | 1,811 |
| Total risk-based capital ratio | 19.5606% | 1,763 |
| Memoranda: | ||
| Average total assets | $83,544,000 | 5,609 |
| Average earning assets | $76,283,200 | 5,592 |
| Average equity | $9,418,000 | 5,474 |
| Average total loans | $39,043,200 | 6,156 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5777% | 3,985 |
| Cost of funding earning assets | 1.7689% | 4,532 |
| Net interest margin | 3.8088% | 3,617 |
| Noninterest income to average assets | 0.2778% | 6,249 |
| Noninterest expense to average assets | 2.1495% | 7,100 |
| Loan and lease loss provision to assets | 0.3006% | 4,566 |
| Net operating income to assets | 1.1124% | 1,701 |
| Return on assets (ROA) | 1.1438% | 1,668 |
| Pretax return on assets | 1.3599% | 1,799 |
| Return on Equity (ROE) | 10.0403% | 1,895 |
| Retained earnings to average equity (ytd only) | 4.1644% | 2,955 |
| Net charge-offs to loans | 0.6368% | 2,773 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,831 |
| Efficiency ratio | 56.9767% | 6,878 |
| Assets per employee ($millions) | 4.1463% | 3,469 |
| Cash dividends to net income (ytd only)* | 58.5230% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 3,845 |
| Loan loss allowance to noncurrent loans | 113.7143% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 5,938 |
| Noncurrent loans to loans | 1.2474% | 4,858 |
| Net loans and leases to total assets | 47.6491% | 6,988 |
| Net loans and leases to deposits | 58.9173% | 6,906 |
| Net loans and leases to core deposits | 70.6725% | 6,926 |
| Total domestic deposits to total assets | 80.8744% | 5,130 |
| Equity capital to assets | 11.4698% | 2,616 |
| Core capital (leverage) ratio | 11.3434% | 2,164 |
| Tier 1 risk-based capital ratio | 17.8091% | 2,048 |
| Total risk-based capital ratio | 18.9502% | 2,020 |
| Memoranda: | ||
| Average total assets | $82,064,500 | 5,690 |
| Average earning assets | $75,297,500 | 5,661 |
| Average equity | $9,348,750 | 5,538 |
| Average total loans | $38,736,000 | 6,214 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5388% | 4,394 |
| Cost of funding earning assets | 1.7424% | 5,053 |
| Net interest margin | 3.7963% | 3,563 |
| Noninterest income to average assets | 0.2836% | 6,237 |
| Noninterest expense to average assets | 2.2066% | 7,036 |
| Loan and lease loss provision to assets | 0.2488% | 4,585 |
| Net operating income to assets | 1.1195% | 1,705 |
| Return on assets (ROA) | 1.1195% | 1,788 |
| Pretax return on assets | 1.3458% | 1,892 |
| Return on Equity (ROE) | 9.8511% | 2,071 |
| Retained earnings to average equity (ytd only) | 4.3345% | 2,887 |
| Net charge-offs to loans | 0.5795% | 2,593 |
| Credit loss provision to net charge-offs | 91.7431% | 4,869 |
| Earnings coverage of net charge-offs (x) | 5.8807% | 2,736 |
| Efficiency ratio | 58.0497% | 6,858 |
| Assets per employee ($millions) | 3.8874% | 3,899 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 3,352 |
| Loan loss allowance to noncurrent loans | 102.2609% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 5,648 |
| Noncurrent loans to loans | 1.4371% | 4,345 |
| Net loans and leases to total assets | 48.2900% | 7,012 |
| Net loans and leases to deposits | 56.7705% | 7,106 |
| Net loans and leases to core deposits | 68.1299% | 7,111 |
| Total domestic deposits to total assets | 85.0617% | 3,234 |
| Equity capital to assets | 11.3210% | 2,659 |
| Core capital (leverage) ratio | 11.1023% | 2,328 |
| Tier 1 risk-based capital ratio | 18.3445% | 1,919 |
| Total risk-based capital ratio | 19.5134% | 1,893 |
| Memoranda: | ||
| Average total assets | $80,395,330 | 5,786 |
| Average earning assets | $74,493,330 | 5,726 |
| Average equity | $9,136,000 | 5,635 |
| Average total loans | $37,619,330 | 6,313 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5558% | 4,608 |
| Cost of funding earning assets | 1.7274% | 5,481 |
| Net interest margin | 3.8284% | 3,346 |
| Noninterest income to average assets | 0.2958% | 6,069 |
| Noninterest expense to average assets | 2.0758% | 7,180 |
| Loan and lease loss provision to assets | 0.3510% | 3,209 |
| Net operating income to assets | 1.1232% | 1,887 |
| Return on assets (ROA) | 1.1232% | 2,011 |
| Pretax return on assets | 1.4140% | 1,927 |
| Return on Equity (ROE) | 9.8646% | 2,374 |
| Retained earnings to average equity (ytd only) | 4.7121% | 3,293 |
| Net charge-offs to loans | 0.7577% | 1,687 |
| Credit loss provision to net charge-offs | 101.4493% | 3,682 |
| Earnings coverage of net charge-offs (x) | 5.1014% | 2,747 |
| Efficiency ratio | 54.0470% | 7,212 |
| Assets per employee ($millions) | 3.7844% | 4,130 |
| Cash dividends to net income (ytd only)* | 52.2321% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 2,299 |
| Loan loss allowance to noncurrent loans | 54.6618% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.3766% | 3,897 |
| Noncurrent loans to loans | 3.0262% | 2,159 |
| Net loans and leases to total assets | 44.7365% | 7,286 |
| Net loans and leases to deposits | 52.7869% | 7,356 |
| Net loans and leases to core deposits | 63.5000% | 7,331 |
| Total domestic deposits to total assets | 84.7493% | 3,328 |
| Equity capital to assets | 11.4795% | 2,602 |
| Core capital (leverage) ratio | 11.4575% | 2,175 |
| Tier 1 risk-based capital ratio | 19.6723% | 1,683 |
| Total risk-based capital ratio | 20.9212% | 1,631 |
| Memoranda: | ||
| Average total assets | $79,775,000 | 5,831 |
| Average earning assets | $73,869,000 | 5,777 |
| Average equity | $9,083,000 | 5,674 |
| Average total loans | $36,424,000 | 6,422 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9845% | 5,621 |
| Cost of funding earning assets | 2.1572% | 5,793 |
| Net interest margin | 3.8273% | 3,908 |
| Noninterest income to average assets | 0.3130% | 6,215 |
| Noninterest expense to average assets | 2.1872% | 6,994 |
| Loan and lease loss provision to assets | 0.2073% | 4,819 |
| Net operating income to assets | 1.1925% | 1,796 |
| Return on assets (ROA) | 1.2240% | 1,646 |
| Pretax return on assets | 1.6079% | 1,361 |
| Return on Equity (ROE) | 10.4450% | 2,106 |
| Retained earnings to average equity (ytd only) | 4.7830% | 2,158 |
| Net charge-offs to loans | 0.4951% | 2,377 |
| Credit loss provision to net charge-offs | 86.5922% | 5,748 |
| Earnings coverage of net charge-offs (x) | 7.4078% | 3,120 |
| Efficiency ratio | 55.2178% | 7,122 |
| Assets per employee ($millions) | 4.0039% | 3,505 |
| Cash dividends to net income (ytd only)* | 54.2077% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 2,130 |
| Loan loss allowance to noncurrent loans | 93.8679% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 4,868 |
| Noncurrent loans to loans | 1.7331% | 3,166 |
| Net loans and leases to total assets | 45.0810% | 7,401 |
| Net loans and leases to deposits | 51.6637% | 7,552 |
| Net loans and leases to core deposits | 62.7881% | 7,482 |
| Total domestic deposits to total assets | 87.2587% | 1,810 |
| Equity capital to assets | 11.2927% | 2,811 |
| Core capital (leverage) ratio | 11.2219% | 2,415 |
| Tier 1 risk-based capital ratio | 18.9944% | 1,814 |
| Total risk-based capital ratio | 20.2440% | 1,772 |
| Memoranda: | ||
| Average total assets | $74,753,800 | 5,883 |
| Average earning assets | $71,250,400 | 5,773 |
| Average equity | $8,760,200 | 5,826 |
| Average total loans | $36,151,200 | 6,359 |