Home > First Texas National Bank > Performance and Condition Ratios
First Texas National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7636% | 446 |
| Cost of funding earning assets | 2.4343% | 970 |
| Net interest margin | 4.3293% | 811 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 2.3909% | 2,609 |
| Loan and lease loss provision to assets | 0.2400% | 469 |
| Net operating income to assets | 1.8290% | 598 |
| Return on assets (ROA) | 1.8405% | 590 |
| Pretax return on assets | 1.8405% | 890 |
| Return on Equity (ROE) | 18.2500% | 615 |
| Retained earnings to average equity (ytd only) | 10.2258% | 1,137 |
| Net charge-offs to loans | 0.0029% | 2,195 |
| Credit loss provision to net charge-offs | 9,200.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 893.0000% | 114 |
| Efficiency ratio | 53.4510% | 3,645 |
| Assets per employee ($millions) | 7.4888% | 1,893 |
| Cash dividends to net income (ytd only)* | 43.9698% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 2,872 |
| Loan loss allowance to noncurrent loans | 144.5000% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 1,233 |
| Noncurrent loans to loans | 0.7407% | 1,399 |
| Net loans and leases to total assets | 81.0700% | 495 |
| Net loans and leases to deposits | 91.3705% | 978 |
| Net loans and leases to core deposits | 121.9372% | 498 |
| Total domestic deposits to total assets | 88.7300% | 1,294 |
| Equity capital to assets | 10.7366% | 1,799 |
| Core capital (leverage) ratio | 10.3834% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $172,992,500 | 3,215 |
| Average earning assets | $160,211,000 | 3,206 |
| Average equity | $17,446,000 | 3,185 |
| Average total loans | $138,957,000 | 2,862 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5128% | 691 |
| Cost of funding earning assets | 2.7186% | 816 |
| Net interest margin | 3.7942% | 1,511 |
| Noninterest income to average assets | 0.5600% | 1,666 |
| Noninterest expense to average assets | 2.4037% | 2,564 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.6001% | 770 |
| Return on assets (ROA) | 1.5995% | 764 |
| Pretax return on assets | 1.5995% | 1,115 |
| Return on Equity (ROE) | 15.5900% | 843 |
| Retained earnings to average equity (ytd only) | 6.2714% | 1,720 |
| Net charge-offs to loans | 0.1273% | 1,009 |
| Credit loss provision to net charge-offs | 22.0779% | 2,456 |
| Earnings coverage of net charge-offs (x) | 17.3831% | 1,931 |
| Efficiency ratio | 59.6655% | 3,201 |
| Assets per employee ($millions) | 8.2378% | 1,401 |
| Cash dividends to net income (ytd only)* | 59.7723% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 3,471 |
| Loan loss allowance to noncurrent loans | 135.4000% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 1,308 |
| Noncurrent loans to loans | 0.6998% | 1,404 |
| Net loans and leases to total assets | 78.1000% | 891 |
| Net loans and leases to deposits | 86.9350% | 1,501 |
| Net loans and leases to core deposits | 112.2847% | 844 |
| Total domestic deposits to total assets | 89.8400% | 870 |
| Equity capital to assets | 9.4923% | 2,463 |
| Core capital (leverage) ratio | 9.7748% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $164,743,600 | 3,241 |
| Average earning assets | $150,703,400 | 3,247 |
| Average equity | $16,902,200 | 3,192 |
| Average total loans | $120,977,800 | 2,986 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3251% | 854 |
| Cost of funding earning assets | 2.7300% | 799 |
| Net interest margin | 3.5951% | 1,841 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 2.2769% | 2,872 |
| Loan and lease loss provision to assets | -0.0800% | 4,362 |
| Net operating income to assets | 1.6519% | 747 |
| Return on assets (ROA) | 1.6519% | 749 |
| Pretax return on assets | 1.6519% | 1,088 |
| Return on Equity (ROE) | 15.7700% | 847 |
| Retained earnings to average equity (ytd only) | 13.1928% | 369 |
| Net charge-offs to loans | 0.1709% | 678 |
| Credit loss provision to net charge-offs | -77.0270% | 4,383 |
| Earnings coverage of net charge-offs (x) | 12.7838% | 2,016 |
| Efficiency ratio | 59.1586% | 3,241 |
| Assets per employee ($millions) | 7.4200% | 1,854 |
| Cash dividends to net income (ytd only)* | 16.3317% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 3,625 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 77.1900% | 971 |
| Net loans and leases to deposits | 88.5456% | 1,380 |
| Net loans and leases to core deposits | 121.7846% | 566 |
| Total domestic deposits to total assets | 87.1800% | 1,531 |
| Equity capital to assets | 10.4401% | 2,015 |
| Core capital (leverage) ratio | 10.9198% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $160,621,750 | 3,274 |
| Average earning assets | $146,566,250 | 3,283 |
| Average equity | $16,827,000 | 3,200 |
| Average total loans | $115,497,500 | 3,043 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1324% | 993 |
| Cost of funding earning assets | 2.5598% | 978 |
| Net interest margin | 3.5726% | 1,832 |
| Noninterest income to average assets | 0.5600% | 1,597 |
| Noninterest expense to average assets | 2.2279% | 3,003 |
| Loan and lease loss provision to assets | -0.3600% | 4,491 |
| Net operating income to assets | 1.9380% | 479 |
| Return on assets (ROA) | 1.9380% | 482 |
| Pretax return on assets | 1.9380% | 702 |
| Return on Equity (ROE) | 18.4800% | 563 |
| Retained earnings to average equity (ytd only) | 14.5360% | 319 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.5896% | 3,341 |
| Assets per employee ($millions) | 6.3605% | 2,510 |
| Cash dividends to net income (ytd only)* | 21.3255% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 3,368 |
| Loan loss allowance to noncurrent loans | 152.7559% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 1,384 |
| Noncurrent loans to loans | 0.6434% | 1,437 |
| Net loans and leases to total assets | 73.7500% | 1,441 |
| Net loans and leases to deposits | 89.4877% | 1,345 |
| Net loans and leases to core deposits | 111.7409% | 906 |
| Total domestic deposits to total assets | 82.4100% | 2,994 |
| Equity capital to assets | 10.7633% | 1,677 |
| Core capital (leverage) ratio | 11.6070% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $157,276,000 | 3,306 |
| Average earning assets | $142,977,667 | 3,325 |
| Average equity | $16,497,000 | 3,201 |
| Average total loans | $109,682,667 | 3,111 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0607% | 983 |
| Cost of funding earning assets | 2.5066% | 978 |
| Net interest margin | 3.5541% | 1,801 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.0688% | 3,400 |
| Loan and lease loss provision to assets | -1.0600% | 4,575 |
| Net operating income to assets | 2.7277% | 207 |
| Return on assets (ROA) | 2.7277% | 207 |
| Pretax return on assets | 2.7277% | 281 |
| Return on Equity (ROE) | 26.0600% | 210 |
| Retained earnings to average equity (ytd only) | 26.0559% | 88 |
| Net charge-offs to loans | 0.0076% | 1,820 |
| Credit loss provision to net charge-offs | -20,700.0000% | 4,591 |
| Earnings coverage of net charge-offs (x) | 327.0000% | 280 |
| Efficiency ratio | 55.5328% | 3,639 |
| Assets per employee ($millions) | 6.8019% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 2,943 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 65.3200% | 2,329 |
| Net loans and leases to deposits | 74.1574% | 2,593 |
| Net loans and leases to core deposits | 92.9769% | 1,841 |
| Total domestic deposits to total assets | 88.0800% | 1,392 |
| Equity capital to assets | 11.3612% | 1,360 |
| Core capital (leverage) ratio | 11.0518% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $156,615,000 | 3,323 |
| Average earning assets | $142,822,500 | 3,334 |
| Average equity | $16,395,500 | 3,220 |
| Average total loans | $105,306,500 | 3,162 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7431% | 887 |
| Cost of funding earning assets | 2.0946% | 788 |
| Net interest margin | 3.6485% | 1,864 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.8645% | 3,902 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 1.4606% | 1,098 |
| Return on assets (ROA) | 1.4522% | 1,084 |
| Pretax return on assets | 1.4522% | 1,529 |
| Return on Equity (ROE) | 14.5200% | 1,379 |
| Retained earnings to average equity (ytd only) | 4.5873% | 2,759 |
| Net charge-offs to loans | 0.0047% | 2,551 |
| Credit loss provision to net charge-offs | 9,860.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 547.0000% | 271 |
| Efficiency ratio | 50.9737% | 3,911 |
| Assets per employee ($millions) | 8.1795% | 1,344 |
| Cash dividends to net income (ytd only)* | 68.4163% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 1,690 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 67.4500% | 2,096 |
| Net loans and leases to deposits | 75.0900% | 2,535 |
| Net loans and leases to core deposits | 88.5285% | 2,149 |
| Total domestic deposits to total assets | 89.8300% | 806 |
| Equity capital to assets | 9.6522% | 2,239 |
| Core capital (leverage) ratio | 10.4249% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $153,496,200 | 3,325 |
| Average earning assets | $142,224,000 | 3,318 |
| Average equity | $15,346,800 | 3,237 |
| Average total loans | $106,883,000 | 3,110 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5264% | 977 |
| Cost of funding earning assets | 2.0044% | 703 |
| Net interest margin | 3.5219% | 2,166 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.7627% | 4,042 |
| Loan and lease loss provision to assets | 0.4400% | 179 |
| Net operating income to assets | 1.3830% | 1,356 |
| Return on assets (ROA) | 1.3715% | 1,362 |
| Pretax return on assets | 1.3715% | 1,844 |
| Return on Equity (ROE) | 13.5900% | 1,771 |
| Retained earnings to average equity (ytd only) | 10.7462% | 1,202 |
| Net charge-offs to loans | 0.0050% | 2,284 |
| Credit loss provision to net charge-offs | 12,325.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 514.7500% | 304 |
| Efficiency ratio | 49.1739% | 3,974 |
| Assets per employee ($millions) | 9.9466% | 681 |
| Cash dividends to net income (ytd only)* | 20.9272% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,179 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 78.8600% | 772 |
| Net loans and leases to deposits | 90.8147% | 1,164 |
| Net loans and leases to core deposits | 111.3061% | 822 |
| Total domestic deposits to total assets | 86.8300% | 1,942 |
| Equity capital to assets | 10.7152% | 1,470 |
| Core capital (leverage) ratio | 11.1764% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $150,973,000 | 3,357 |
| Average earning assets | $141,017,250 | 3,343 |
| Average equity | $15,236,000 | 3,234 |
| Average total loans | $105,650,250 | 3,117 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 1,178 |
| Cost of funding earning assets | 1.8535% | 674 |
| Net interest margin | 3.3717% | 2,590 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.8105% | 3,978 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 1.3684% | 1,406 |
| Return on assets (ROA) | 1.3684% | 1,388 |
| Pretax return on assets | 1.3684% | 1,891 |
| Return on Equity (ROE) | 13.8400% | 1,714 |
| Retained earnings to average equity (ytd only) | 9.5024% | 1,541 |
| Net charge-offs to loans | 0.0099% | 1,831 |
| Credit loss provision to net charge-offs | 4,700.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 254.4000% | 504 |
| Efficiency ratio | 51.7776% | 3,784 |
| Assets per employee ($millions) | 9.9579% | 682 |
| Cash dividends to net income (ytd only)* | 31.3404% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,832 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.5800% | 1,575 |
| Net loans and leases to deposits | 80.1457% | 1,963 |
| Net loans and leases to core deposits | 97.3700% | 1,394 |
| Total domestic deposits to total assets | 89.3100% | 1,134 |
| Equity capital to assets | 10.3262% | 1,675 |
| Core capital (leverage) ratio | 11.0968% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $151,564,333 | 3,362 |
| Average earning assets | $141,354,000 | 3,347 |
| Average equity | $14,985,667 | 3,273 |
| Average total loans | $101,157,333 | 3,163 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 1,520 |
| Cost of funding earning assets | 1.6384% | 647 |
| Net interest margin | 3.2045% | 3,105 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.6166% | 4,288 |
| Loan and lease loss provision to assets | 0.6200% | 114 |
| Net operating income to assets | 1.0926% | 2,254 |
| Return on assets (ROA) | 1.0926% | 2,218 |
| Pretax return on assets | 1.0926% | 2,730 |
| Return on Equity (ROE) | 11.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 11.2958% | 1,402 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.4634% | 4,057 |
| Assets per employee ($millions) | 10.7813% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,310 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 63.9500% | 2,255 |
| Net loans and leases to deposits | 71.2272% | 2,527 |
| Net loans and leases to core deposits | 86.0409% | 1,863 |
| Total domestic deposits to total assets | 89.7800% | 1,240 |
| Equity capital to assets | 9.9816% | 1,830 |
| Core capital (leverage) ratio | 10.5172% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $152,662,500 | 3,399 |
| Average earning assets | $143,798,500 | 3,364 |
| Average equity | $14,766,500 | 3,325 |
| Average total loans | $97,669,000 | 3,236 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4136% | 3,311 |
| Cost of funding earning assets | 0.3470% | 2,500 |
| Net interest margin | 3.0666% | 3,272 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.5019% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6269% | 642 |
| Return on assets (ROA) | 1.6269% | 613 |
| Pretax return on assets | 1.6269% | 1,088 |
| Return on Equity (ROE) | 16.7400% | 907 |
| Retained earnings to average equity (ytd only) | 6.7944% | 2,323 |
| Net charge-offs to loans | -0.0026% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.9806% | 4,241 |
| Assets per employee ($millions) | 11.0276% | 502 |
| Cash dividends to net income (ytd only)* | 59.4228% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,320 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.5800% | 2,373 |
| Net loans and leases to deposits | 69.1355% | 2,657 |
| Net loans and leases to core deposits | 76.7812% | 2,366 |
| Total domestic deposits to total assets | 90.5100% | 1,147 |
| Equity capital to assets | 9.3706% | 2,096 |
| Core capital (leverage) ratio | 10.5861% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $144,813,600 | 3,493 |
| Average earning assets | $130,830,200 | 3,521 |
| Average equity | $14,070,400 | 3,457 |
| Average total loans | $76,911,800 | 3,457 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0550% | 3,782 |
| Cost of funding earning assets | 0.2087% | 3,166 |
| Net interest margin | 2.8462% | 3,637 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.3256% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6018% | 655 |
| Return on assets (ROA) | 1.6018% | 635 |
| Pretax return on assets | 1.6018% | 1,116 |
| Return on Equity (ROE) | 16.3300% | 915 |
| Retained earnings to average equity (ytd only) | 12.5111% | 691 |
| Net charge-offs to loans | -0.0037% | 3,406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.2510% | 4,415 |
| Assets per employee ($millions) | 11.0838% | 486 |
| Cash dividends to net income (ytd only)* | 23.3781% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 2,915 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 60.2000% | 2,480 |
| Net loans and leases to deposits | 67.1019% | 2,625 |
| Net loans and leases to core deposits | 75.3095% | 2,251 |
| Total domestic deposits to total assets | 89.7100% | 1,780 |
| Equity capital to assets | 10.2277% | 1,503 |
| Core capital (leverage) ratio | 11.0637% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $142,420,250 | 3,537 |
| Average earning assets | $127,744,250 | 3,575 |
| Average equity | $13,971,250 | 3,515 |
| Average total loans | $71,741,250 | 3,559 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6148% | 4,263 |
| Cost of funding earning assets | 0.0961% | 4,229 |
| Net interest margin | 2.5186% | 4,060 |
| Noninterest income to average assets | 0.3694% | 2,934 |
| Noninterest expense to average assets | 1.3111% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3111% | 1,106 |
| Return on assets (ROA) | 1.3111% | 1,089 |
| Pretax return on assets | 1.3111% | 1,708 |
| Return on Equity (ROE) | 13.5608% | 1,220 |
| Retained earnings to average equity (ytd only) | 7.7282% | 1,716 |
| Net charge-offs to loans | -0.0030% | 3,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9462% | 4,249 |
| Assets per employee ($millions) | 11.6389% | 413 |
| Cash dividends to net income (ytd only)* | 43.0108% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 56.4550% | 2,703 |
| Net loans and leases to deposits | 62.8885% | 2,816 |
| Net loans and leases to core deposits | 69.4093% | 2,533 |
| Total domestic deposits to total assets | 89.7700% | 1,811 |
| Equity capital to assets | 10.2000% | 1,588 |
| Core capital (leverage) ratio | 10.8210% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1653% | 1,151 |
| Memoranda: | ||
| Average total assets | $141,864,000 | 3,587 |
| Average earning assets | $126,895,333 | 3,633 |
| Average equity | $13,716,000 | 3,613 |
| Average total loans | $66,413,667 | 3,689 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2723% | 4,475 |
| Cost of funding earning assets | 0.0723% | 4,427 |
| Net interest margin | 2.2000% | 4,349 |
| Noninterest income to average assets | 0.1707% | 4,143 |
| Noninterest expense to average assets | 1.3150% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8142% | 2,618 |
| Return on assets (ROA) | 0.8142% | 2,607 |
| Pretax return on assets | 0.8142% | 3,064 |
| Return on Equity (ROE) | 8.6536% | 2,455 |
| Retained earnings to average equity (ytd only) | 8.6536% | 1,386 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6294% | 3,311 |
| Assets per employee ($millions) | 11.8613% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 38.6536% | 4,087 |
| Net loans and leases to deposits | 43.0582% | 4,113 |
| Net loans and leases to core deposits | 46.8765% | 4,036 |
| Total domestic deposits to total assets | 89.7707% | 1,685 |
| Equity capital to assets | 10.2146% | 1,750 |
| Core capital (leverage) ratio | 10.2931% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0151% | 643 |
| Memoranda: | ||
| Average total assets | $142,962,500 | 3,590 |
| Average earning assets | $127,274,500 | 3,646 |
| Average equity | $13,451,000 | 3,711 |
| Average total loans | $59,704,000 | 3,797 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8218% | 4,176 |
| Cost of funding earning assets | 0.1303% | 4,153 |
| Net interest margin | 2.6915% | 3,888 |
| Noninterest income to average assets | 0.4841% | 2,658 |
| Noninterest expense to average assets | 1.4729% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3682% | 1,382 |
| Return on assets (ROA) | 1.3682% | 1,432 |
| Pretax return on assets | 1.3682% | 2,148 |
| Return on Equity (ROE) | 13.9073% | 1,213 |
| Retained earnings to average equity (ytd only) | 5.9054% | 2,398 |
| Net charge-offs to loans | -0.0069% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7872% | 4,136 |
| Assets per employee ($millions) | 11.9658% | 400 |
| Cash dividends to net income (ytd only)* | 57.5374% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 1,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.4741% | 3,872 |
| Net loans and leases to deposits | 47.5840% | 4,018 |
| Net loans and leases to core deposits | 51.6828% | 3,915 |
| Total domestic deposits to total assets | 91.3628% | 363 |
| Equity capital to assets | 8.6100% | 3,981 |
| Core capital (leverage) ratio | 9.6202% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5550% | 1,670 |
| Memoranda: | ||
| Average total assets | $127,032,200 | 3,720 |
| Average earning assets | $111,240,400 | 3,799 |
| Average equity | $12,497,000 | 3,883 |
| Average total loans | $58,135,200 | 3,848 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7165% | 4,387 |
| Cost of funding earning assets | 0.1519% | 4,091 |
| Net interest margin | 2.5646% | 4,188 |
| Noninterest income to average assets | 0.6249% | 2,118 |
| Noninterest expense to average assets | 1.4191% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4592% | 1,364 |
| Return on assets (ROA) | 1.4592% | 1,424 |
| Pretax return on assets | 1.4592% | 2,116 |
| Return on Equity (ROE) | 14.3114% | 1,310 |
| Retained earnings to average equity (ytd only) | 14.3114% | 480 |
| Net charge-offs to loans | -0.0094% | 3,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2650% | 4,278 |
| Assets per employee ($millions) | 9.5943% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,845 |
| Loan loss allowance to noncurrent loans | 1,585.4839% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 3,776 |
| Noncurrent loans to loans | 0.0908% | 3,624 |
| Net loans and leases to total assets | 58.4234% | 2,432 |
| Net loans and leases to deposits | 65.9632% | 2,631 |
| Net loans and leases to core deposits | 72.4398% | 2,388 |
| Total domestic deposits to total assets | 88.5696% | 1,531 |
| Equity capital to assets | 11.3982% | 1,737 |
| Core capital (leverage) ratio | 11.0328% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5190% | 1,246 |
| Memoranda: | ||
| Average total assets | $122,893,000 | 3,811 |
| Average earning assets | $107,980,500 | 3,875 |
| Average equity | $12,530,500 | 3,936 |
| Average total loans | $56,817,250 | 3,929 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4050% | 4,670 |
| Cost of funding earning assets | 0.1668% | 4,073 |
| Net interest margin | 2.2382% | 4,568 |
| Noninterest income to average assets | 0.8464% | 1,401 |
| Noninterest expense to average assets | 1.4186% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4170% | 1,523 |
| Return on assets (ROA) | 1.4170% | 1,587 |
| Pretax return on assets | 1.4170% | 2,281 |
| Return on Equity (ROE) | 14.4166% | 1,303 |
| Retained earnings to average equity (ytd only) | 14.4166% | 495 |
| Net charge-offs to loans | -0.0075% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9719% | 4,242 |
| Assets per employee ($millions) | 9.7680% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 1,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.8791% | 3,735 |
| Net loans and leases to deposits | 53.7335% | 3,873 |
| Net loans and leases to core deposits | 58.8694% | 3,697 |
| Total domestic deposits to total assets | 89.1047% | 1,226 |
| Equity capital to assets | 10.8262% | 2,126 |
| Core capital (leverage) ratio | 10.0431% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6392% | 1,202 |
| Memoranda: | ||
| Average total assets | $125,480,000 | 3,789 |
| Average earning assets | $111,519,000 | 3,845 |
| Average equity | $12,333,000 | 3,955 |
| Average total loans | $53,007,333 | 4,024 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2426% | 4,780 |
| Cost of funding earning assets | 0.2010% | 3,907 |
| Net interest margin | 2.0416% | 4,711 |
| Noninterest income to average assets | 1.2622% | 791 |
| Noninterest expense to average assets | 1.3332% | 4,800 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7468% | 864 |
| Return on assets (ROA) | 1.7468% | 919 |
| Pretax return on assets | 1.7468% | 1,403 |
| Return on Equity (ROE) | 18.6268% | 656 |
| Retained earnings to average equity (ytd only) | 18.6268% | 332 |
| Net charge-offs to loans | -0.0157% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2866% | 4,614 |
| Assets per employee ($millions) | 9.4616% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 40.7216% | 4,302 |
| Net loans and leases to deposits | 45.3183% | 4,383 |
| Net loans and leases to core deposits | 49.5367% | 4,323 |
| Total domestic deposits to total assets | 89.8570% | 890 |
| Equity capital to assets | 10.0837% | 2,629 |
| Core capital (leverage) ratio | 9.4590% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9033% | 946 |
| Memoranda: | ||
| Average total assets | $129,612,000 | 3,742 |
| Average earning assets | $115,401,000 | 3,792 |
| Average equity | $12,154,500 | 3,981 |
| Average total loans | $50,959,500 | 4,072 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1189% | 4,546 |
| Cost of funding earning assets | 0.4773% | 3,100 |
| Net interest margin | 2.6415% | 4,447 |
| Noninterest income to average assets | 0.2619% | 3,913 |
| Noninterest expense to average assets | 1.5136% | 4,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1762% | 1,625 |
| Return on assets (ROA) | 1.1762% | 1,739 |
| Pretax return on assets | 1.1762% | 2,412 |
| Return on Equity (ROE) | 11.1464% | 1,574 |
| Retained earnings to average equity (ytd only) | 0.1627% | 4,473 |
| Net charge-offs to loans | -0.0074% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2400% | 3,960 |
| Assets per employee ($millions) | 10.4787% | 454 |
| Cash dividends to net income (ytd only)* | 98.5401% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9253% | 685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 36.6098% | 4,573 |
| Net loans and leases to deposits | 40.1839% | 4,655 |
| Net loans and leases to core deposits | 43.7515% | 4,612 |
| Total domestic deposits to total assets | 91.1058% | 202 |
| Equity capital to assets | 8.7401% | 4,261 |
| Core capital (leverage) ratio | 9.0360% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,474,400 | 3,789 |
| Average earning assets | $107,058,400 | 3,812 |
| Average equity | $12,291,000 | 3,945 |
| Average total loans | $53,701,400 | 4,033 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1613% | 4,623 |
| Cost of funding earning assets | 0.5348% | 3,025 |
| Net interest margin | 2.6266% | 4,549 |
| Noninterest income to average assets | 0.3395% | 3,444 |
| Noninterest expense to average assets | 1.4835% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3161% | 1,318 |
| Return on assets (ROA) | 1.3161% | 1,404 |
| Pretax return on assets | 1.3161% | 1,987 |
| Return on Equity (ROE) | 11.8506% | 1,415 |
| Retained earnings to average equity (ytd only) | 11.8506% | 448 |
| Net charge-offs to loans | -0.0098% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9462% | 4,257 |
| Assets per employee ($millions) | 8.5289% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 58.3075% | 3,389 |
| Net loans and leases to deposits | 66.2068% | 3,599 |
| Net loans and leases to core deposits | 74.3331% | 3,297 |
| Total domestic deposits to total assets | 88.0687% | 1,192 |
| Equity capital to assets | 11.7699% | 1,826 |
| Core capital (leverage) ratio | 11.1197% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3353% | 1,179 |
| Memoranda: | ||
| Average total assets | $111,537,250 | 3,857 |
| Average earning assets | $104,468,000 | 3,843 |
| Average equity | $12,387,250 | 3,940 |
| Average total loans | $54,414,250 | 4,036 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0189% | 4,834 |
| Cost of funding earning assets | 0.5905% | 3,015 |
| Net interest margin | 2.4284% | 4,778 |
| Noninterest income to average assets | 0.4671% | 2,729 |
| Noninterest expense to average assets | 1.5194% | 4,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2366% | 1,526 |
| Return on assets (ROA) | 1.2366% | 1,644 |
| Pretax return on assets | 1.2366% | 2,230 |
| Return on Equity (ROE) | 11.3592% | 1,526 |
| Retained earnings to average equity (ytd only) | 11.3592% | 555 |
| Net charge-offs to loans | -0.0118% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0649% | 4,055 |
| Assets per employee ($millions) | 7.9066% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 51.5290% | 4,057 |
| Net loans and leases to deposits | 58.2941% | 4,206 |
| Net loans and leases to core deposits | 65.6481% | 3,982 |
| Total domestic deposits to total assets | 88.3949% | 991 |
| Equity capital to assets | 11.4578% | 2,001 |
| Core capital (leverage) ratio | 11.1402% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2436% | 1,196 |
| Memoranda: | ||
| Average total assets | $111,757,667 | 3,837 |
| Average earning assets | $105,335,667 | 3,816 |
| Average equity | $12,166,333 | 3,966 |
| Average total loans | $50,676,333 | 4,126 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2101% | 4,862 |
| Cost of funding earning assets | 0.6640% | 3,092 |
| Net interest margin | 2.5461% | 4,791 |
| Noninterest income to average assets | 0.0997% | 4,827 |
| Noninterest expense to average assets | 1.5317% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9582% | 2,322 |
| Return on assets (ROA) | 0.9582% | 2,425 |
| Pretax return on assets | 0.9582% | 2,975 |
| Return on Equity (ROE) | 9.0359% | 2,096 |
| Retained earnings to average equity (ytd only) | 9.0359% | 966 |
| Net charge-offs to loans | -0.0085% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3734% | 3,567 |
| Assets per employee ($millions) | 8.3248% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2940% | 330 |
| Loan loss allowance to noncurrent loans | 6,971.4286% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,584 |
| Noncurrent loans to loans | 0.0329% | 4,430 |
| Net loans and leases to total assets | 38.4105% | 4,717 |
| Net loans and leases to deposits | 43.3869% | 4,774 |
| Net loans and leases to core deposits | 48.9767% | 4,701 |
| Total domestic deposits to total assets | 88.5302% | 867 |
| Equity capital to assets | 11.3248% | 2,572 |
| Core capital (leverage) ratio | 10.5752% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2649% | 720 |
| Memoranda: | ||
| Average total assets | $112,290,000 | 3,810 |
| Average earning assets | $105,417,500 | 3,794 |
| Average equity | $11,908,000 | 4,008 |
| Average total loans | $47,006,000 | 4,207 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 3,470 |
| Cost of funding earning assets | 0.8703% | 2,330 |
| Net interest margin | 3.4554% | 3,575 |
| Noninterest income to average assets | 0.1063% | 4,912 |
| Noninterest expense to average assets | 1.7129% | 4,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6233% | 793 |
| Return on assets (ROA) | 1.6233% | 850 |
| Pretax return on assets | 1.6233% | 1,419 |
| Return on Equity (ROE) | 14.6177% | 770 |
| Retained earnings to average equity (ytd only) | -0.3663% | 4,750 |
| Net charge-offs to loans | -0.3315% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2884% | 4,652 |
| Assets per employee ($millions) | 8.3112% | 638 |
| Cash dividends to net income (ytd only)* | 102.5057% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8944% | 562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 43.3940% | 4,623 |
| Net loans and leases to deposits | 48.3682% | 4,730 |
| Net loans and leases to core deposits | 54.8427% | 4,623 |
| Total domestic deposits to total assets | 89.7161% | 418 |
| Equity capital to assets | 9.9349% | 3,979 |
| Core capital (leverage) ratio | 10.2696% | 3,220 |
| Tier 1 risk-based capital ratio | 16.3076% | 2,291 |
| Total risk-based capital ratio | 17.5584% | 2,236 |
| Memoranda: | ||
| Average total assets | $108,177,800 | 3,859 |
| Average earning assets | $101,117,400 | 3,847 |
| Average equity | $12,012,800 | 3,997 |
| Average total loans | $55,503,200 | 4,066 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 3,369 |
| Cost of funding earning assets | 0.8940% | 2,261 |
| Net interest margin | 3.5021% | 3,556 |
| Noninterest income to average assets | 0.1168% | 4,931 |
| Noninterest expense to average assets | 1.6608% | 4,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7387% | 689 |
| Return on assets (ROA) | 1.7387% | 727 |
| Pretax return on assets | 1.7387% | 1,226 |
| Return on Equity (ROE) | 15.2176% | 729 |
| Retained earnings to average equity (ytd only) | 15.2176% | 137 |
| Net charge-offs to loans | -0.2053% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8174% | 4,805 |
| Assets per employee ($millions) | 7.3239% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 1,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 57.7662% | 3,899 |
| Net loans and leases to deposits | 66.3865% | 4,039 |
| Net loans and leases to core deposits | 77.1314% | 3,619 |
| Total domestic deposits to total assets | 87.0150% | 1,505 |
| Equity capital to assets | 12.6680% | 1,797 |
| Core capital (leverage) ratio | 12.4964% | 1,570 |
| Tier 1 risk-based capital ratio | 18.2550% | 1,746 |
| Total risk-based capital ratio | 19.4986% | 1,713 |
| Memoranda: | ||
| Average total assets | $106,133,000 | 3,935 |
| Average earning assets | $99,480,500 | 3,913 |
| Average equity | $12,126,000 | 4,018 |
| Average total loans | $56,512,250 | 4,087 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 3,806 |
| Cost of funding earning assets | 0.8693% | 2,302 |
| Net interest margin | 3.3778% | 3,961 |
| Noninterest income to average assets | 0.1230% | 4,955 |
| Noninterest expense to average assets | 1.6528% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6416% | 829 |
| Return on assets (ROA) | 1.6416% | 868 |
| Pretax return on assets | 1.6416% | 1,425 |
| Return on Equity (ROE) | 14.8839% | 784 |
| Retained earnings to average equity (ytd only) | 14.8839% | 178 |
| Net charge-offs to loans | -0.3110% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1131% | 4,778 |
| Assets per employee ($millions) | 7.3524% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 899 |
| Loan loss allowance to noncurrent loans | 269.8462% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 3,275 |
| Noncurrent loans to loans | 0.6147% | 2,419 |
| Net loans and leases to total assets | 50.5154% | 4,443 |
| Net loans and leases to deposits | 57.6393% | 4,531 |
| Net loans and leases to core deposits | 66.8823% | 4,269 |
| Total domestic deposits to total assets | 87.6405% | 1,270 |
| Equity capital to assets | 12.1215% | 2,104 |
| Core capital (leverage) ratio | 11.6327% | 2,072 |
| Tier 1 risk-based capital ratio | 17.5853% | 1,912 |
| Total risk-based capital ratio | 18.8306% | 1,872 |
| Memoranda: | ||
| Average total assets | $107,332,670 | 3,937 |
| Average earning assets | $100,775,000 | 3,920 |
| Average equity | $11,838,330 | 4,070 |
| Average total loans | $55,313,670 | 4,139 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 3,919 |
| Cost of funding earning assets | 0.8075% | 2,493 |
| Net interest margin | 3.3751% | 3,960 |
| Noninterest income to average assets | 0.1570% | 4,799 |
| Noninterest expense to average assets | 1.6068% | 5,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6945% | 736 |
| Return on assets (ROA) | 1.6945% | 761 |
| Pretax return on assets | 1.6945% | 1,222 |
| Return on Equity (ROE) | 16.1125% | 575 |
| Retained earnings to average equity (ytd only) | 16.1125% | 216 |
| Net charge-offs to loans | -0.0212% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5619% | 4,919 |
| Assets per employee ($millions) | 7.7797% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 43.7043% | 4,757 |
| Net loans and leases to deposits | 49.0843% | 4,845 |
| Net loans and leases to core deposits | 56.0579% | 4,714 |
| Total domestic deposits to total assets | 89.0393% | 840 |
| Equity capital to assets | 10.8285% | 3,020 |
| Core capital (leverage) ratio | 10.9039% | 2,664 |
| Tier 1 risk-based capital ratio | 17.6081% | 1,909 |
| Total risk-based capital ratio | 18.7779% | 1,885 |
| Memoranda: | ||
| Average total assets | $109,532,500 | 3,946 |
| Average earning assets | $102,040,500 | 3,940 |
| Average equity | $11,519,000 | 4,126 |
| Average total loans | $56,533,500 | 4,157 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 3,234 |
| Cost of funding earning assets | 0.5305% | 3,176 |
| Net interest margin | 3.7320% | 2,931 |
| Noninterest income to average assets | 0.1211% | 5,076 |
| Noninterest expense to average assets | 1.7355% | 5,055 |
| Loan and lease loss provision to assets | 0.1821% | 1,073 |
| Net operating income to assets | 1.6829% | 714 |
| Return on assets (ROA) | 1.6829% | 715 |
| Pretax return on assets | 1.6829% | 1,208 |
| Return on Equity (ROE) | 15.3637% | 752 |
| Retained earnings to average equity (ytd only) | 0.7969% | 4,774 |
| Net charge-offs to loans | 0.3302% | 582 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 10.2423% | 2,743 |
| Efficiency ratio | 48.1230% | 5,038 |
| Assets per employee ($millions) | 7.8678% | 689 |
| Cash dividends to net income (ytd only)* | 94.8132% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 57.9933% | 3,962 |
| Net loans and leases to deposits | 64.6856% | 4,210 |
| Net loans and leases to core deposits | 72.1821% | 3,978 |
| Total domestic deposits to total assets | 89.6540% | 595 |
| Equity capital to assets | 10.2080% | 3,461 |
| Core capital (leverage) ratio | 10.9400% | 2,582 |
| Tier 1 risk-based capital ratio | 14.3434% | 3,143 |
| Total risk-based capital ratio | 15.3309% | 3,185 |
| Memoranda: | ||
| Average total assets | $106,541,400 | 3,995 |
| Average earning assets | $99,331,200 | 3,988 |
| Average equity | $11,670,400 | 4,065 |
| Average total loans | $58,755,600 | 4,124 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 3,893 |
| Cost of funding earning assets | 0.4836% | 3,305 |
| Net interest margin | 3.5264% | 3,612 |
| Noninterest income to average assets | 0.1262% | 5,115 |
| Noninterest expense to average assets | 1.5726% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8578% | 542 |
| Return on assets (ROA) | 1.8578% | 540 |
| Pretax return on assets | 1.8578% | 889 |
| Return on Equity (ROE) | 16.6649% | 591 |
| Retained earnings to average equity (ytd only) | 16.6649% | 115 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7322% | 5,155 |
| Assets per employee ($millions) | 7.8602% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 2,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 65.9963% | 3,174 |
| Net loans and leases to deposits | 75.2964% | 3,479 |
| Net loans and leases to core deposits | 87.3242% | 2,888 |
| Total domestic deposits to total assets | 87.6486% | 1,417 |
| Equity capital to assets | 12.2261% | 1,757 |
| Core capital (leverage) ratio | 12.5409% | 1,479 |
| Tier 1 risk-based capital ratio | 15.7425% | 2,553 |
| Total risk-based capital ratio | 16.7090% | 2,603 |
| Memoranda: | ||
| Average total assets | $105,639,500 | 4,042 |
| Average earning assets | $98,984,750 | 4,029 |
| Average equity | $11,777,000 | 4,095 |
| Average total loans | $57,276,750 | 4,199 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6288% | 4,719 |
| Cost of funding earning assets | 0.4424% | 3,409 |
| Net interest margin | 3.1864% | 4,539 |
| Noninterest income to average assets | 0.1311% | 5,152 |
| Noninterest expense to average assets | 1.5825% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5432% | 1,045 |
| Return on assets (ROA) | 1.5432% | 1,052 |
| Pretax return on assets | 1.5432% | 1,676 |
| Return on Equity (ROE) | 14.2828% | 1,017 |
| Retained earnings to average equity (ytd only) | 14.2828% | 254 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4494% | 5,002 |
| Assets per employee ($millions) | 7.8862% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 1,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 52.2318% | 4,464 |
| Net loans and leases to deposits | 59.1547% | 4,582 |
| Net loans and leases to core deposits | 68.2210% | 4,242 |
| Total domestic deposits to total assets | 88.2969% | 1,222 |
| Equity capital to assets | 11.5821% | 2,138 |
| Core capital (leverage) ratio | 11.4510% | 2,110 |
| Tier 1 risk-based capital ratio | 16.9968% | 2,098 |
| Total risk-based capital ratio | 18.0957% | 2,099 |
| Memoranda: | ||
| Average total assets | $106,791,670 | 4,070 |
| Average earning assets | $100,364,670 | 4,041 |
| Average equity | $11,538,330 | 4,148 |
| Average total loans | $53,626,330 | 4,315 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4153% | 4,999 |
| Cost of funding earning assets | 0.4131% | 3,494 |
| Net interest margin | 3.0022% | 4,880 |
| Noninterest income to average assets | 0.1395% | 5,170 |
| Noninterest expense to average assets | 1.5680% | 5,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3734% | 1,411 |
| Return on assets (ROA) | 1.3734% | 1,426 |
| Pretax return on assets | 1.3734% | 2,088 |
| Return on Equity (ROE) | 13.1569% | 1,215 |
| Retained earnings to average equity (ytd only) | 13.1569% | 499 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1835% | 4,865 |
| Assets per employee ($millions) | 8.2635% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 42.1596% | 4,975 |
| Net loans and leases to deposits | 47.2524% | 5,066 |
| Net loans and leases to core deposits | 53.8327% | 4,920 |
| Total domestic deposits to total assets | 89.2222% | 999 |
| Equity capital to assets | 10.6651% | 2,901 |
| Core capital (leverage) ratio | 10.7632% | 2,669 |
| Tier 1 risk-based capital ratio | 17.7466% | 1,910 |
| Total risk-based capital ratio | 18.9378% | 1,874 |
| Memoranda: | ||
| Average total assets | $108,927,500 | 4,082 |
| Average earning assets | $101,659,500 | 4,072 |
| Average equity | $11,370,500 | 4,214 |
| Average total loans | $53,270,000 | 4,368 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 4,057 |
| Cost of funding earning assets | 0.3027% | 4,119 |
| Net interest margin | 3.4941% | 3,551 |
| Noninterest income to average assets | 0.1296% | 5,295 |
| Noninterest expense to average assets | 1.6188% | 5,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7445% | 484 |
| Return on assets (ROA) | 1.7445% | 493 |
| Pretax return on assets | 1.7445% | 909 |
| Return on Equity (ROE) | 16.0622% | 474 |
| Retained earnings to average equity (ytd only) | 5.0968% | 2,067 |
| Net charge-offs to loans | -0.0335% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0737% | 5,315 |
| Assets per employee ($millions) | 9.2025% | 423 |
| Cash dividends to net income (ytd only)* | 68.2687% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 2,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 54.0324% | 4,360 |
| Net loans and leases to deposits | 60.2470% | 4,549 |
| Net loans and leases to core deposits | 68.1297% | 4,283 |
| Total domestic deposits to total assets | 89.6849% | 692 |
| Equity capital to assets | 10.2182% | 3,475 |
| Core capital (leverage) ratio | 10.9054% | 2,423 |
| Tier 1 risk-based capital ratio | 13.7247% | 3,507 |
| Total risk-based capital ratio | 14.6761% | 3,582 |
| Memoranda: | ||
| Average total assets | $104,956,000 | 4,155 |
| Average earning assets | $97,135,400 | 4,145 |
| Average equity | $11,399,400 | 4,237 |
| Average total loans | $56,722,200 | 4,271 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 4,574 |
| Cost of funding earning assets | 0.2743% | 4,365 |
| Net interest margin | 3.3217% | 4,098 |
| Noninterest income to average assets | 0.1390% | 5,312 |
| Noninterest expense to average assets | 1.5742% | 5,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6514% | 639 |
| Return on assets (ROA) | 1.6514% | 658 |
| Pretax return on assets | 1.6514% | 1,239 |
| Return on Equity (ROE) | 14.9683% | 654 |
| Retained earnings to average equity (ytd only) | 14.9683% | 120 |
| Net charge-offs to loans | -0.0096% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7231% | 5,312 |
| Assets per employee ($millions) | 7.0942% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 3,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.1040% | 2,968 |
| Net loans and leases to deposits | 76.5881% | 3,316 |
| Net loans and leases to core deposits | 88.2531% | 2,748 |
| Total domestic deposits to total assets | 87.6167% | 1,570 |
| Equity capital to assets | 12.3179% | 1,770 |
| Core capital (leverage) ratio | 11.9716% | 1,704 |
| Tier 1 risk-based capital ratio | 16.0624% | 2,477 |
| Total risk-based capital ratio | 17.0914% | 2,508 |
| Memoranda: | ||
| Average total assets | $103,587,500 | 4,212 |
| Average earning assets | $96,253,500 | 4,199 |
| Average equity | $11,428,250 | 4,276 |
| Average total loans | $55,788,000 | 4,334 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2597% | 5,167 |
| Cost of funding earning assets | 0.2221% | 4,787 |
| Net interest margin | 3.0376% | 4,824 |
| Noninterest income to average assets | 0.1409% | 5,350 |
| Noninterest expense to average assets | 1.5332% | 5,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4208% | 1,017 |
| Return on assets (ROA) | 1.4208% | 1,043 |
| Pretax return on assets | 1.4208% | 1,938 |
| Return on Equity (ROE) | 13.3696% | 952 |
| Retained earnings to average equity (ytd only) | 13.3696% | 230 |
| Net charge-offs to loans | -0.0193% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8375% | 5,193 |
| Assets per employee ($millions) | 7.7867% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.2212% | 4,551 |
| Net loans and leases to deposits | 59.0624% | 4,698 |
| Net loans and leases to core deposits | 66.8369% | 4,423 |
| Total domestic deposits to total assets | 88.4171% | 1,250 |
| Equity capital to assets | 11.5384% | 2,291 |
| Core capital (leverage) ratio | 10.9897% | 2,418 |
| Tier 1 risk-based capital ratio | 16.1250% | 2,451 |
| Total risk-based capital ratio | 17.2074% | 2,461 |
| Memoranda: | ||
| Average total assets | $105,010,330 | 4,227 |
| Average earning assets | $97,249,000 | 4,212 |
| Average equity | $11,159,670 | 4,336 |
| Average total loans | $51,909,670 | 4,467 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0597% | 5,403 |
| Cost of funding earning assets | 0.2119% | 4,866 |
| Net interest margin | 2.8478% | 5,170 |
| Noninterest income to average assets | 0.1572% | 5,335 |
| Noninterest expense to average assets | 1.5304% | 5,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2423% | 1,402 |
| Return on assets (ROA) | 1.2423% | 1,439 |
| Pretax return on assets | 1.2423% | 2,443 |
| Return on Equity (ROE) | 12.1840% | 1,182 |
| Retained earnings to average equity (ytd only) | 12.1840% | 451 |
| Net charge-offs to loans | -0.0235% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0607% | 5,036 |
| Assets per employee ($millions) | 7.9565% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7700% | 1,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 41.5826% | 5,183 |
| Net loans and leases to deposits | 46.5900% | 5,280 |
| Net loans and leases to core deposits | 51.3963% | 5,169 |
| Total domestic deposits to total assets | 89.2522% | 1,026 |
| Equity capital to assets | 10.7217% | 2,938 |
| Core capital (leverage) ratio | 10.2156% | 3,224 |
| Tier 1 risk-based capital ratio | 14.4963% | 3,204 |
| Total risk-based capital ratio | 15.5028% | 3,250 |
| Memoranda: | ||
| Average total assets | $106,902,000 | 4,231 |
| Average earning assets | $98,181,000 | 4,231 |
| Average equity | $10,899,500 | 4,406 |
| Average total loans | $51,045,000 | 4,527 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,108 |
| Cost of funding earning assets | 0.1880% | 5,127 |
| Net interest margin | 3.5467% | 3,263 |
| Noninterest income to average assets | 0.1511% | 5,450 |
| Noninterest expense to average assets | 1.5544% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.8190% | 429 |
| Return on assets (ROA) | 1.8190% | 448 |
| Pretax return on assets | 1.8190% | 762 |
| Return on Equity (ROE) | 16.9616% | 410 |
| Retained earnings to average equity (ytd only) | 1.2078% | 4,803 |
| Net charge-offs to loans | 0.0888% | 2,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 37.2692% | 1,237 |
| Efficiency ratio | 46.1046% | 5,639 |
| Assets per employee ($millions) | 10.0335% | 296 |
| Cash dividends to net income (ytd only)* | 92.8793% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 2,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 52.1270% | 4,596 |
| Net loans and leases to deposits | 57.7520% | 4,810 |
| Net loans and leases to core deposits | 57.7520% | 4,980 |
| Total domestic deposits to total assets | 90.2599% | 536 |
| Equity capital to assets | 9.7029% | 4,065 |
| Core capital (leverage) ratio | 10.1674% | 3,274 |
| Tier 1 risk-based capital ratio | 13.1352% | 3,979 |
| Total risk-based capital ratio | 14.0716% | 4,084 |
| Memoranda: | ||
| Average total assets | $106,539,200 | 4,230 |
| Average earning assets | $96,793,000 | 4,258 |
| Average equity | $11,425,800 | 4,351 |
| Average total loans | $58,591,000 | 4,345 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5592% | 4,659 |
| Cost of funding earning assets | 0.1890% | 5,187 |
| Net interest margin | 3.3702% | 3,954 |
| Noninterest income to average assets | 0.1515% | 5,512 |
| Noninterest expense to average assets | 1.4623% | 5,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7515% | 534 |
| Return on assets (ROA) | 1.7515% | 563 |
| Pretax return on assets | 1.7515% | 997 |
| Return on Equity (ROE) | 15.9353% | 553 |
| Retained earnings to average equity (ytd only) | 15.9353% | 109 |
| Net charge-offs to loans | 0.0023% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1,390.4436% | 42 |
| Efficiency ratio | 45.5796% | 5,688 |
| Assets per employee ($millions) | 8.4262% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.0677% | 2,793 |
| Net loans and leases to deposits | 77.6440% | 3,225 |
| Net loans and leases to core deposits | 77.6440% | 3,695 |
| Total domestic deposits to total assets | 87.6664% | 1,579 |
| Equity capital to assets | 12.2970% | 1,894 |
| Core capital (leverage) ratio | 11.7788% | 1,824 |
| Tier 1 risk-based capital ratio | 15.5245% | 2,822 |
| Total risk-based capital ratio | 16.5823% | 2,832 |
| Memoranda: | ||
| Average total assets | $105,581,750 | 4,286 |
| Average earning assets | $95,935,750 | 4,305 |
| Average equity | $11,605,000 | 4,356 |
| Average total loans | $58,662,750 | 4,372 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2321% | 5,385 |
| Cost of funding earning assets | 0.1862% | 5,272 |
| Net interest margin | 3.0459% | 4,983 |
| Noninterest income to average assets | 0.1476% | 5,566 |
| Noninterest expense to average assets | 1.3505% | 5,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5466% | 811 |
| Return on assets (ROA) | 1.5466% | 854 |
| Pretax return on assets | 1.5466% | 1,535 |
| Return on Equity (ROE) | 14.6178% | 728 |
| Retained earnings to average equity (ytd only) | 14.6178% | 157 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5506% | 5,731 |
| Assets per employee ($millions) | 8.3030% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 2,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.4913% | 4,171 |
| Net loans and leases to deposits | 65.2890% | 4,395 |
| Net loans and leases to core deposits | 65.2890% | 4,661 |
| Total domestic deposits to total assets | 88.0565% | 1,405 |
| Equity capital to assets | 11.9003% | 2,194 |
| Core capital (leverage) ratio | 11.1387% | 2,290 |
| Tier 1 risk-based capital ratio | 16.0680% | 2,609 |
| Total risk-based capital ratio | 17.2183% | 2,593 |
| Memoranda: | ||
| Average total assets | $107,071,000 | 4,287 |
| Average earning assets | $96,654,000 | 4,333 |
| Average equity | $11,328,670 | 4,434 |
| Average total loans | $55,000,670 | 4,503 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9843% | 5,699 |
| Cost of funding earning assets | 0.1784% | 5,384 |
| Net interest margin | 2.8059% | 5,462 |
| Noninterest income to average assets | 0.1480% | 5,600 |
| Noninterest expense to average assets | 1.2817% | 6,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3648% | 1,107 |
| Return on assets (ROA) | 1.3648% | 1,169 |
| Pretax return on assets | 1.3648% | 2,024 |
| Return on Equity (ROE) | 13.6653% | 900 |
| Retained earnings to average equity (ytd only) | 13.6653% | 342 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2947% | 5,710 |
| Assets per employee ($millions) | 8.9257% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 1,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 44.2021% | 5,232 |
| Net loans and leases to deposits | 49.4552% | 5,368 |
| Net loans and leases to core deposits | 49.4552% | 5,462 |
| Total domestic deposits to total assets | 89.3780% | 906 |
| Equity capital to assets | 10.6005% | 3,373 |
| Core capital (leverage) ratio | 10.0137% | 3,526 |
| Tier 1 risk-based capital ratio | 13.4044% | 4,043 |
| Total risk-based capital ratio | 14.4021% | 4,088 |
| Memoranda: | ||
| Average total assets | $110,788,500 | 4,249 |
| Average earning assets | $98,650,000 | 4,327 |
| Average equity | $11,064,500 | 4,493 |
| Average total loans | $53,448,000 | 4,574 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 4,773 |
| Cost of funding earning assets | 0.1534% | 5,664 |
| Net interest margin | 3.4085% | 3,875 |
| Noninterest income to average assets | 0.1435% | 5,696 |
| Noninterest expense to average assets | 1.4388% | 6,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7287% | 546 |
| Return on assets (ROA) | 1.7287% | 568 |
| Pretax return on assets | 1.7287% | 933 |
| Return on Equity (ROE) | 15.4259% | 623 |
| Retained earnings to average equity (ytd only) | -7.0269% | 5,978 |
| Net charge-offs to loans | -0.0018% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3369% | 5,946 |
| Assets per employee ($millions) | 9.5391% | 316 |
| Cash dividends to net income (ytd only)* | 145.5526% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 2,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 50.5849% | 4,816 |
| Net loans and leases to deposits | 55.8601% | 5,052 |
| Net loans and leases to core deposits | 55.8601% | 5,210 |
| Total domestic deposits to total assets | 90.5564% | 423 |
| Equity capital to assets | 9.4130% | 4,656 |
| Core capital (leverage) ratio | 9.7898% | 3,788 |
| Tier 1 risk-based capital ratio | 11.3665% | 5,332 |
| Total risk-based capital ratio | 12.2425% | 5,425 |
| Memoranda: | ||
| Average total assets | $107,308,800 | 4,312 |
| Average earning assets | $95,203,600 | 4,411 |
| Average equity | $12,025,200 | 4,300 |
| Average total loans | $54,396,000 | 4,546 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3430% | 5,337 |
| Cost of funding earning assets | 0.1515% | 5,764 |
| Net interest margin | 3.1915% | 4,697 |
| Noninterest income to average assets | 0.1491% | 5,741 |
| Noninterest expense to average assets | 1.3470% | 6,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6502% | 688 |
| Return on assets (ROA) | 1.6502% | 711 |
| Pretax return on assets | 1.6502% | 1,242 |
| Return on Equity (ROE) | 14.1135% | 876 |
| Retained earnings to average equity (ytd only) | 14.1135% | 202 |
| Net charge-offs to loans | -0.0025% | 4,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8567% | 6,010 |
| Assets per employee ($millions) | 8.5265% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 3,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 61.0137% | 3,732 |
| Net loans and leases to deposits | 69.9920% | 3,990 |
| Net loans and leases to core deposits | 69.9920% | 4,370 |
| Total domestic deposits to total assets | 87.1723% | 1,947 |
| Equity capital to assets | 12.7983% | 1,564 |
| Core capital (leverage) ratio | 12.3372% | 1,497 |
| Tier 1 risk-based capital ratio | 14.6752% | 3,454 |
| Total risk-based capital ratio | 16.6132% | 3,042 |
| Memoranda: | ||
| Average total assets | $105,518,750 | 4,392 |
| Average earning assets | $94,165,750 | 4,482 |
| Average equity | $12,337,750 | 4,294 |
| Average total loans | $53,313,000 | 4,624 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0404% | 5,818 |
| Cost of funding earning assets | 0.1449% | 5,888 |
| Net interest margin | 2.8955% | 5,453 |
| Noninterest income to average assets | 0.1501% | 5,812 |
| Noninterest expense to average assets | 1.3473% | 6,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3904% | 1,111 |
| Return on assets (ROA) | 1.3904% | 1,146 |
| Pretax return on assets | 1.3904% | 2,015 |
| Return on Equity (ROE) | 12.2628% | 1,293 |
| Retained earnings to average equity (ytd only) | 12.2628% | 371 |
| Net charge-offs to loans | -0.0360% | 5,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1432% | 5,895 |
| Assets per employee ($millions) | 8.3791% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 1,828 |
| Loan loss allowance to noncurrent loans | 990.4762% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 5,534 |
| Noncurrent loans to loans | 0.1641% | 5,108 |
| Net loans and leases to total assets | 50.0811% | 4,924 |
| Net loans and leases to deposits | 57.1584% | 5,051 |
| Net loans and leases to core deposits | 57.1584% | 5,242 |
| Total domestic deposits to total assets | 87.6180% | 1,833 |
| Equity capital to assets | 12.3452% | 1,772 |
| Core capital (leverage) ratio | 11.7334% | 1,819 |
| Tier 1 risk-based capital ratio | 15.0190% | 3,347 |
| Total risk-based capital ratio | 16.9690% | 2,940 |
| Memoranda: | ||
| Average total assets | $106,585,670 | 4,411 |
| Average earning assets | $95,251,670 | 4,486 |
| Average equity | $12,085,330 | 4,365 |
| Average total loans | $50,000,000 | 4,749 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9388% | 5,960 |
| Cost of funding earning assets | 0.1401% | 5,996 |
| Net interest margin | 2.7987% | 5,643 |
| Noninterest income to average assets | 0.1715% | 5,689 |
| Noninterest expense to average assets | 1.3065% | 6,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3430% | 1,157 |
| Return on assets (ROA) | 1.3430% | 1,223 |
| Pretax return on assets | 1.3430% | 2,110 |
| Return on Equity (ROE) | 12.3474% | 1,257 |
| Retained earnings to average equity (ytd only) | 12.3474% | 523 |
| Net charge-offs to loans | -0.0648% | 5,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3113% | 5,961 |
| Assets per employee ($millions) | 8.8782% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 1,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 39.4770% | 5,629 |
| Net loans and leases to deposits | 44.5714% | 5,733 |
| Net loans and leases to core deposits | 44.5714% | 5,824 |
| Total domestic deposits to total assets | 88.5703% | 1,513 |
| Equity capital to assets | 11.4100% | 2,550 |
| Core capital (leverage) ratio | 10.1556% | 3,397 |
| Tier 1 risk-based capital ratio | 12.2979% | 5,044 |
| Total risk-based capital ratio | 13.9761% | 4,693 |
| Memoranda: | ||
| Average total assets | $109,604,000 | 4,376 |
| Average earning assets | $97,045,000 | 4,482 |
| Average equity | $11,921,500 | 4,424 |
| Average total loans | $49,406,000 | 4,800 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 5,505 |
| Cost of funding earning assets | 0.1537% | 6,077 |
| Net interest margin | 3.2589% | 4,720 |
| Noninterest income to average assets | 0.1459% | 5,966 |
| Noninterest expense to average assets | 1.4626% | 6,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6161% | 688 |
| Return on assets (ROA) | 1.6161% | 720 |
| Pretax return on assets | 1.6161% | 1,190 |
| Return on Equity (ROE) | 14.3974% | 866 |
| Retained earnings to average equity (ytd only) | 0.8946% | 5,379 |
| Net charge-offs to loans | 0.0020% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1,706.0000% | 19 |
| Efficiency ratio | 47.3231% | 6,214 |
| Assets per employee ($millions) | 8.6669% | 407 |
| Cash dividends to net income (ytd only)* | 93.7866% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 2,598 |
| Loan loss allowance to noncurrent loans | 142.8819% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 4,096 |
| Noncurrent loans to loans | 1.0300% | 2,766 |
| Net loans and leases to total assets | 48.9039% | 5,081 |
| Net loans and leases to deposits | 54.5820% | 5,287 |
| Net loans and leases to core deposits | 54.5820% | 5,473 |
| Total domestic deposits to total assets | 89.5971% | 926 |
| Equity capital to assets | 10.3728% | 3,637 |
| Core capital (leverage) ratio | 10.9536% | 2,450 |
| Tier 1 risk-based capital ratio | 12.4162% | 5,079 |
| Total risk-based capital ratio | 13.3019% | 5,233 |
| Memoranda: | ||
| Average total assets | $105,563,400 | 4,467 |
| Average earning assets | $95,000,800 | 4,530 |
| Average equity | $11,849,400 | 4,388 |
| Average total loans | $50,655,600 | 4,797 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 5,863 |
| Cost of funding earning assets | 0.1629% | 6,108 |
| Net interest margin | 3.0715% | 5,331 |
| Noninterest income to average assets | 0.1490% | 6,021 |
| Noninterest expense to average assets | 1.4093% | 6,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5018% | 944 |
| Return on assets (ROA) | 1.5018% | 972 |
| Pretax return on assets | 1.5018% | 1,641 |
| Return on Equity (ROE) | 13.1087% | 1,197 |
| Retained earnings to average equity (ytd only) | 13.1087% | 323 |
| Net charge-offs to loans | 0.0027% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,171.9023% | 56 |
| Efficiency ratio | 48.1465% | 6,196 |
| Assets per employee ($millions) | 8.1765% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 3,362 |
| Loan loss allowance to noncurrent loans | 43.4989% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 1.9283% | 1,511 |
| Noncurrent loans to loans | 3.1223% | 829 |
| Net loans and leases to total assets | 60.9205% | 3,642 |
| Net loans and leases to deposits | 69.9307% | 3,925 |
| Net loans and leases to core deposits | 69.9307% | 4,326 |
| Total domestic deposits to total assets | 87.1155% | 2,251 |
| Equity capital to assets | 12.8498% | 1,504 |
| Core capital (leverage) ratio | 12.2482% | 1,547 |
| Tier 1 risk-based capital ratio | 14.9206% | 3,635 |
| Total risk-based capital ratio | 15.8952% | 3,733 |
| Memoranda: | ||
| Average total assets | $103,786,750 | 4,552 |
| Average earning assets | $93,327,750 | 4,615 |
| Average equity | $11,890,000 | 4,410 |
| Average total loans | $49,338,750 | 4,888 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9112% | 6,252 |
| Cost of funding earning assets | 0.1617% | 6,181 |
| Net interest margin | 2.7495% | 5,989 |
| Noninterest income to average assets | 0.1476% | 6,076 |
| Noninterest expense to average assets | 1.4138% | 6,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1791% | 1,657 |
| Return on assets (ROA) | 1.1791% | 1,730 |
| Pretax return on assets | 1.1791% | 2,766 |
| Return on Equity (ROE) | 10.6947% | 1,845 |
| Retained earnings to average equity (ytd only) | 10.6947% | 585 |
| Net charge-offs to loans | 0.0044% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 623.0000% | 114 |
| Efficiency ratio | 54.1606% | 5,897 |
| Assets per employee ($millions) | 8.4854% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 2,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.3565% | 5,144 |
| Net loans and leases to deposits | 54.8875% | 5,297 |
| Net loans and leases to core deposits | 54.8875% | 5,499 |
| Total domestic deposits to total assets | 88.1012% | 1,847 |
| Equity capital to assets | 11.8605% | 2,097 |
| Core capital (leverage) ratio | 11.5960% | 1,925 |
| Tier 1 risk-based capital ratio | 14.3178% | 4,053 |
| Total risk-based capital ratio | 15.2953% | 4,162 |
| Memoranda: | ||
| Average total assets | $105,676,330 | 4,541 |
| Average earning assets | $93,982,330 | 4,640 |
| Average equity | $11,650,670 | 4,460 |
| Average total loans | $45,586,000 | 5,047 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7012% | 6,464 |
| Cost of funding earning assets | 0.1614% | 6,288 |
| Net interest margin | 2.5398% | 6,302 |
| Noninterest income to average assets | 0.1487% | 6,079 |
| Noninterest expense to average assets | 1.4126% | 6,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9591% | 2,365 |
| Return on assets (ROA) | 0.9591% | 2,435 |
| Pretax return on assets | 0.9591% | 3,478 |
| Return on Equity (ROE) | 9.0230% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.0230% | 1,243 |
| Net charge-offs to loans | 0.0092% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 258.0000% | 184 |
| Efficiency ratio | 58.7774% | 5,573 |
| Assets per employee ($millions) | 8.5932% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 1,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.0729% | 5,938 |
| Net loans and leases to deposits | 42.9334% | 6,027 |
| Net loans and leases to core deposits | 42.9334% | 6,123 |
| Total domestic deposits to total assets | 88.6790% | 1,847 |
| Equity capital to assets | 11.2948% | 2,437 |
| Core capital (leverage) ratio | 10.7655% | 2,635 |
| Tier 1 risk-based capital ratio | 13.7445% | 4,506 |
| Total risk-based capital ratio | 14.7122% | 4,655 |
| Memoranda: | ||
| Average total assets | $107,602,000 | 4,544 |
| Average earning assets | $94,180,500 | 4,678 |
| Average equity | $11,437,500 | 4,514 |
| Average total loans | $43,348,000 | 5,197 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3104% | 5,990 |
| Cost of funding earning assets | 0.2054% | 6,259 |
| Net interest margin | 3.1051% | 5,291 |
| Noninterest income to average assets | 0.1278% | 6,294 |
| Noninterest expense to average assets | 1.3769% | 6,642 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4737% | 867 |
| Return on assets (ROA) | 1.4737% | 921 |
| Pretax return on assets | 1.4737% | 1,541 |
| Return on Equity (ROE) | 12.9580% | 1,176 |
| Retained earnings to average equity (ytd only) | 0.6130% | 5,559 |
| Net charge-offs to loans | 0.0068% | 5,320 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 507.3333% | 74 |
| Efficiency ratio | 48.3016% | 6,482 |
| Assets per employee ($millions) | 9.3405% | 290 |
| Cash dividends to net income (ytd only)* | 95.2694% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 2,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 40.8517% | 5,904 |
| Net loans and leases to deposits | 45.4134% | 6,051 |
| Net loans and leases to core deposits | 45.4134% | 6,164 |
| Total domestic deposits to total assets | 89.9550% | 1,098 |
| Equity capital to assets | 10.0173% | 3,747 |
| Core capital (leverage) ratio | 10.9414% | 2,443 |
| Tier 1 risk-based capital ratio | 12.3986% | 5,351 |
| Total risk-based capital ratio | 13.2923% | 5,527 |
| Memoranda: | ||
| Average total assets | $103,275,200 | 4,668 |
| Average earning assets | $90,561,800 | 4,756 |
| Average equity | $11,745,600 | 4,499 |
| Average total loans | $44,197,400 | 5,181 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1449% | 6,263 |
| Cost of funding earning assets | 0.2193% | 6,296 |
| Net interest margin | 2.9256% | 5,756 |
| Noninterest income to average assets | 0.1306% | 6,366 |
| Noninterest expense to average assets | 1.3455% | 6,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3719% | 1,169 |
| Return on assets (ROA) | 1.3719% | 1,215 |
| Pretax return on assets | 1.3719% | 2,029 |
| Return on Equity (ROE) | 11.6769% | 1,584 |
| Retained earnings to average equity (ytd only) | 11.6769% | 472 |
| Net charge-offs to loans | 0.0061% | 5,056 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 519.3371% | 112 |
| Efficiency ratio | 49.5146% | 6,424 |
| Assets per employee ($millions) | 7.9478% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 2,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 53.1151% | 4,733 |
| Net loans and leases to deposits | 60.9185% | 4,873 |
| Net loans and leases to core deposits | 60.9185% | 5,228 |
| Total domestic deposits to total assets | 87.1904% | 2,575 |
| Equity capital to assets | 12.7624% | 1,443 |
| Core capital (leverage) ratio | 12.5891% | 1,376 |
| Tier 1 risk-based capital ratio | 15.4495% | 3,496 |
| Total risk-based capital ratio | 16.4775% | 3,562 |
| Memoranda: | ||
| Average total assets | $101,072,500 | 4,761 |
| Average earning assets | $89,369,500 | 4,834 |
| Average equity | $11,875,000 | 4,520 |
| Average total loans | $43,593,500 | 5,256 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8751% | 6,550 |
| Cost of funding earning assets | 0.2343% | 6,278 |
| Net interest margin | 2.6408% | 6,282 |
| Noninterest income to average assets | 0.1360% | 6,375 |
| Noninterest expense to average assets | 1.3130% | 6,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1440% | 1,769 |
| Return on assets (ROA) | 1.1440% | 1,883 |
| Pretax return on assets | 1.1440% | 2,913 |
| Return on Equity (ROE) | 10.0034% | 2,197 |
| Retained earnings to average equity (ytd only) | 10.0034% | 839 |
| Net charge-offs to loans | 0.0098% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 294.5000% | 172 |
| Efficiency ratio | 53.4387% | 6,184 |
| Assets per employee ($millions) | 8.1529% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 1,936 |
| Loan loss allowance to noncurrent loans | 8,250.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 6,524 |
| Noncurrent loans to loans | 0.0238% | 6,344 |
| Net loans and leases to total assets | 42.0974% | 5,895 |
| Net loans and leases to deposits | 47.9135% | 5,983 |
| Net loans and leases to core deposits | 47.9135% | 6,134 |
| Total domestic deposits to total assets | 87.8612% | 2,349 |
| Equity capital to assets | 12.0448% | 1,885 |
| Core capital (leverage) ratio | 11.8303% | 1,710 |
| Tier 1 risk-based capital ratio | 14.2777% | 4,243 |
| Total risk-based capital ratio | 15.2636% | 4,379 |
| Memoranda: | ||
| Average total assets | $102,972,000 | 4,748 |
| Average earning assets | $90,501,330 | 4,829 |
| Average equity | $11,776,000 | 4,574 |
| Average total loans | $40,963,670 | 5,379 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6711% | 6,744 |
| Cost of funding earning assets | 0.2409% | 6,342 |
| Net interest margin | 2.4303% | 6,573 |
| Noninterest income to average assets | 0.1516% | 6,347 |
| Noninterest expense to average assets | 1.2469% | 6,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0460% | 2,053 |
| Return on assets (ROA) | 1.0460% | 2,160 |
| Pretax return on assets | 1.0460% | 3,165 |
| Return on Equity (ROE) | 9.3782% | 2,325 |
| Retained earnings to average equity (ytd only) | 9.3782% | 1,274 |
| Net charge-offs to loans | 0.0099% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 276.0000% | 136 |
| Efficiency ratio | 54.3802% | 6,198 |
| Assets per employee ($millions) | 8.6235% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3062% | 1,401 |
| Loan loss allowance to noncurrent loans | 8,260.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,598 |
| Noncurrent loans to loans | 0.0279% | 6,409 |
| Net loans and leases to total assets | 33.8136% | 6,428 |
| Net loans and leases to deposits | 38.2115% | 6,498 |
| Net loans and leases to core deposits | 38.2115% | 6,555 |
| Total domestic deposits to total assets | 88.4908% | 2,014 |
| Equity capital to assets | 11.4706% | 2,437 |
| Core capital (leverage) ratio | 10.9645% | 2,292 |
| Tier 1 risk-based capital ratio | 12.8883% | 5,306 |
| Total risk-based capital ratio | 13.8033% | 5,494 |
| Memoranda: | ||
| Average total assets | $105,540,500 | 4,730 |
| Average earning assets | $92,994,000 | 4,824 |
| Average equity | $11,772,000 | 4,616 |
| Average total loans | $40,440,000 | 5,445 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 6,374 |
| Cost of funding earning assets | 0.2469% | 6,683 |
| Net interest margin | 3.2372% | 5,468 |
| Noninterest income to average assets | 0.1854% | 6,072 |
| Noninterest expense to average assets | 1.4916% | 6,872 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5611% | 812 |
| Return on assets (ROA) | 1.5611% | 892 |
| Pretax return on assets | 1.5611% | 1,486 |
| Return on Equity (ROE) | 12.7649% | 1,290 |
| Retained earnings to average equity (ytd only) | -0.0082% | 5,841 |
| Net charge-offs to loans | 0.0742% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 48.4063% | 693 |
| Efficiency ratio | 48.8610% | 6,661 |
| Assets per employee ($millions) | 8.9666% | 326 |
| Cash dividends to net income (ytd only)* | 100.0646% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 2,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 41.1119% | 6,087 |
| Net loans and leases to deposits | 46.1421% | 6,245 |
| Net loans and leases to core deposits | 46.1421% | 6,364 |
| Total domestic deposits to total assets | 89.0984% | 1,496 |
| Equity capital to assets | 10.8495% | 3,120 |
| Core capital (leverage) ratio | 11.0279% | 2,233 |
| Tier 1 risk-based capital ratio | 12.5927% | 5,404 |
| Total risk-based capital ratio | 13.5094% | 5,582 |
| Memoranda: | ||
| Average total assets | $99,223,200 | 4,854 |
| Average earning assets | $87,884,200 | 4,918 |
| Average equity | $12,134,800 | 4,541 |
| Average total loans | $43,149,400 | 5,369 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 6,691 |
| Cost of funding earning assets | 0.2535% | 6,796 |
| Net interest margin | 3.0881% | 5,967 |
| Noninterest income to average assets | 0.1977% | 6,115 |
| Noninterest expense to average assets | 1.3384% | 7,025 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6019% | 840 |
| Return on assets (ROA) | 1.6019% | 940 |
| Pretax return on assets | 1.6019% | 1,572 |
| Return on Equity (ROE) | 12.7017% | 1,414 |
| Retained earnings to average equity (ytd only) | 12.7017% | 419 |
| Net charge-offs to loans | 0.1000% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 36.4650% | 942 |
| Efficiency ratio | 45.5182% | 6,842 |
| Assets per employee ($millions) | 7.6932% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 3,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 57.2640% | 4,247 |
| Net loans and leases to deposits | 66.6251% | 4,387 |
| Net loans and leases to core deposits | 66.6251% | 4,882 |
| Total domestic deposits to total assets | 85.9497% | 3,285 |
| Equity capital to assets | 13.9951% | 1,161 |
| Core capital (leverage) ratio | 13.1960% | 1,114 |
| Tier 1 risk-based capital ratio | 16.5675% | 2,958 |
| Total risk-based capital ratio | 17.6611% | 3,016 |
| Memoranda: | ||
| Average total assets | $97,129,250 | 4,958 |
| Average earning assets | $86,265,750 | 5,008 |
| Average equity | $12,250,000 | 4,548 |
| Average total loans | $42,671,000 | 5,457 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0419% | 6,959 |
| Cost of funding earning assets | 0.2523% | 6,900 |
| Net interest margin | 2.7896% | 6,598 |
| Noninterest income to average assets | 0.2107% | 6,056 |
| Noninterest expense to average assets | 1.3187% | 7,097 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3552% | 1,300 |
| Return on assets (ROA) | 1.3552% | 1,453 |
| Pretax return on assets | 1.3552% | 2,370 |
| Return on Equity (ROE) | 11.1253% | 1,947 |
| Retained earnings to average equity (ytd only) | 11.1253% | 726 |
| Net charge-offs to loans | 0.0051% | 5,431 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 669.0000% | 51 |
| Efficiency ratio | 49.3182% | 6,689 |
| Assets per employee ($millions) | 7.6753% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9592% | 2,344 |
| Loan loss allowance to noncurrent loans | 313.1387% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 6,022 |
| Noncurrent loans to loans | 0.6257% | 5,262 |
| Net loans and leases to total assets | 46.6174% | 5,772 |
| Net loans and leases to deposits | 53.8930% | 5,879 |
| Net loans and leases to core deposits | 53.8930% | 6,100 |
| Total domestic deposits to total assets | 86.4999% | 3,069 |
| Equity capital to assets | 13.4404% | 1,325 |
| Core capital (leverage) ratio | 12.5566% | 1,327 |
| Tier 1 risk-based capital ratio | 16.3963% | 2,965 |
| Total risk-based capital ratio | 17.5658% | 2,976 |
| Memoranda: | ||
| Average total assets | $98,733,000 | 4,929 |
| Average earning assets | $87,181,330 | 5,018 |
| Average equity | $12,026,670 | 4,593 |
| Average total loans | $38,997,330 | 5,648 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7861% | 7,112 |
| Cost of funding earning assets | 0.2549% | 6,997 |
| Net interest margin | 2.5312% | 6,931 |
| Noninterest income to average assets | 0.1960% | 6,210 |
| Noninterest expense to average assets | 1.2386% | 7,198 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1759% | 1,810 |
| Return on assets (ROA) | 1.1759% | 1,995 |
| Pretax return on assets | 1.1759% | 3,005 |
| Return on Equity (ROE) | 10.1262% | 2,352 |
| Retained earnings to average equity (ytd only) | 10.1262% | 1,233 |
| Net charge-offs to loans | 0.0109% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 300.0000% | 109 |
| Efficiency ratio | 51.2987% | 6,597 |
| Assets per employee ($millions) | 8.1351% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4169% | 1,474 |
| Loan loss allowance to noncurrent loans | 2,860.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 6,826 |
| Noncurrent loans to loans | 0.0845% | 6,545 |
| Net loans and leases to total assets | 35.4862% | 6,655 |
| Net loans and leases to deposits | 40.4767% | 6,717 |
| Net loans and leases to core deposits | 40.4767% | 6,802 |
| Total domestic deposits to total assets | 87.6707% | 2,543 |
| Equity capital to assets | 12.2863% | 1,862 |
| Core capital (leverage) ratio | 11.3726% | 1,988 |
| Tier 1 risk-based capital ratio | 14.5578% | 4,057 |
| Total risk-based capital ratio | 15.6289% | 4,163 |
| Memoranda: | ||
| Average total assets | $102,048,000 | 4,891 |
| Average earning assets | $89,443,500 | 4,984 |
| Average equity | $11,850,500 | 4,645 |
| Average total loans | $36,599,000 | 5,797 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5039% | 6,992 |
| Cost of funding earning assets | 0.3961% | 6,894 |
| Net interest margin | 3.1079% | 6,328 |
| Noninterest income to average assets | 0.1756% | 6,235 |
| Noninterest expense to average assets | 1.4828% | 7,180 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3304% | 1,179 |
| Return on assets (ROA) | 1.3304% | 1,264 |
| Pretax return on assets | 1.3304% | 2,014 |
| Return on Equity (ROE) | 10.9483% | 1,711 |
| Retained earnings to average equity (ytd only) | 0.5566% | 5,586 |
| Net charge-offs to loans | 0.0104% | 6,283 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 329.5000% | 110 |
| Efficiency ratio | 52.7090% | 6,643 |
| Assets per employee ($millions) | 8.1904% | 441 |
| Cash dividends to net income (ytd only)* | 94.9165% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 1,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 34.5987% | 6,843 |
| Net loans and leases to deposits | 38.9020% | 6,927 |
| Net loans and leases to core deposits | 38.9020% | 6,971 |
| Total domestic deposits to total assets | 88.9382% | 1,581 |
| Equity capital to assets | 10.9951% | 2,982 |
| Core capital (leverage) ratio | 10.7680% | 2,461 |
| Tier 1 risk-based capital ratio | 12.9983% | 5,068 |
| Total risk-based capital ratio | 13.9812% | 5,262 |
| Memoranda: | ||
| Average total assets | $99,067,200 | 4,914 |
| Average earning assets | $84,076,800 | 5,119 |
| Average equity | $12,038,400 | 4,541 |
| Average total loans | $38,402,200 | 5,757 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 7,080 |
| Cost of funding earning assets | 0.4378% | 6,917 |
| Net interest margin | 3.0617% | 6,469 |
| Noninterest income to average assets | 0.1838% | 6,281 |
| Noninterest expense to average assets | 1.4428% | 7,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3111% | 1,347 |
| Return on assets (ROA) | 1.3111% | 1,435 |
| Pretax return on assets | 1.3111% | 2,252 |
| Return on Equity (ROE) | 10.5157% | 2,023 |
| Retained earnings to average equity (ytd only) | 10.5157% | 725 |
| Net charge-offs to loans | 0.0034% | 6,146 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 958.3684% | 30 |
| Efficiency ratio | 52.3904% | 6,643 |
| Assets per employee ($millions) | 7.3920% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9449% | 2,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 45.2235% | 6,220 |
| Net loans and leases to deposits | 52.1786% | 6,349 |
| Net loans and leases to core deposits | 52.1786% | 6,553 |
| Total domestic deposits to total assets | 86.6706% | 2,839 |
| Equity capital to assets | 13.1514% | 1,537 |
| Core capital (leverage) ratio | 12.7506% | 1,326 |
| Tier 1 risk-based capital ratio | 14.7292% | 3,817 |
| Total risk-based capital ratio | 15.7657% | 3,943 |
| Memoranda: | ||
| Average total assets | $97,215,250 | 5,004 |
| Average earning assets | $81,608,250 | 5,228 |
| Average equity | $12,121,250 | 4,534 |
| Average total loans | $38,578,250 | 5,810 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1533% | 7,299 |
| Cost of funding earning assets | 0.4460% | 7,023 |
| Net interest margin | 2.7073% | 7,021 |
| Noninterest income to average assets | 0.1906% | 6,302 |
| Noninterest expense to average assets | 1.4838% | 7,321 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0206% | 2,134 |
| Return on assets (ROA) | 1.0206% | 2,232 |
| Pretax return on assets | 1.0206% | 3,164 |
| Return on Equity (ROE) | 8.3354% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.3354% | 1,327 |
| Net charge-offs to loans | 0.0055% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 498.0000% | 65 |
| Efficiency ratio | 59.2471% | 5,991 |
| Assets per employee ($millions) | 7.0588% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0389% | 2,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 45.1332% | 6,338 |
| Net loans and leases to deposits | 52.1487% | 6,461 |
| Net loans and leases to core deposits | 52.1487% | 6,653 |
| Total domestic deposits to total assets | 86.5470% | 3,013 |
| Equity capital to assets | 13.2841% | 1,395 |
| Core capital (leverage) ratio | 12.3527% | 1,426 |
| Tier 1 risk-based capital ratio | 18.1680% | 2,114 |
| Total risk-based capital ratio | 19.4191% | 2,071 |
| Memoranda: | ||
| Average total assets | $97,588,330 | 5,033 |
| Average earning assets | $83,405,330 | 5,215 |
| Average equity | $11,949,000 | 4,569 |
| Average total loans | $36,664,330 | 5,949 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8594% | 7,430 |
| Cost of funding earning assets | 0.4453% | 7,126 |
| Net interest margin | 2.4141% | 7,248 |
| Noninterest income to average assets | 0.2070% | 6,254 |
| Noninterest expense to average assets | 1.4249% | 7,405 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8318% | 2,875 |
| Return on assets (ROA) | 0.8318% | 2,932 |
| Pretax return on assets | 0.8318% | 3,780 |
| Return on Equity (ROE) | 7.0677% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.0677% | 2,118 |
| Net charge-offs to loans | 0.0118% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 147 |
| Efficiency ratio | 63.1393% | 5,497 |
| Assets per employee ($millions) | 7.5255% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6942% | 1,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 31.8232% | 7,175 |
| Net loans and leases to deposits | 36.2762% | 7,220 |
| Net loans and leases to core deposits | 36.2762% | 7,256 |
| Total domestic deposits to total assets | 87.7247% | 2,542 |
| Equity capital to assets | 12.1669% | 1,815 |
| Core capital (leverage) ratio | 11.0154% | 2,179 |
| Tier 1 risk-based capital ratio | 20.5041% | 1,478 |
| Total risk-based capital ratio | 21.7573% | 1,457 |
| Memoranda: | ||
| Average total assets | $100,500,500 | 4,994 |
| Average earning assets | $85,333,500 | 5,178 |
| Average equity | $11,828,500 | 4,595 |
| Average total loans | $33,857,500 | 6,133 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 7,264 |
| Cost of funding earning assets | 0.5572% | 7,213 |
| Net interest margin | 3.2236% | 6,211 |
| Noninterest income to average assets | 0.2007% | 6,347 |
| Noninterest expense to average assets | 1.5683% | 7,420 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5069% | 758 |
| Return on assets (ROA) | 1.5069% | 817 |
| Pretax return on assets | 1.5069% | 1,355 |
| Return on Equity (ROE) | 11.3070% | 1,501 |
| Retained earnings to average equity (ytd only) | 0.6090% | 5,275 |
| Net charge-offs to loans | 0.0112% | 6,719 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 343.5000% | 67 |
| Efficiency ratio | 50.9986% | 7,059 |
| Assets per employee ($millions) | 7.9362% | 488 |
| Cash dividends to net income (ytd only)* | 94.6143% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4160% | 1,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 33.7860% | 7,237 |
| Net loans and leases to deposits | 38.1698% | 7,299 |
| Net loans and leases to core deposits | 38.1698% | 7,349 |
| Total domestic deposits to total assets | 88.5151% | 1,937 |
| Equity capital to assets | 11.3928% | 2,344 |
| Core capital (leverage) ratio | 11.5420% | 1,811 |
| Tier 1 risk-based capital ratio | 16.8996% | 2,381 |
| Total risk-based capital ratio | 18.1507% | 2,353 |
| Memoranda: | ||
| Average total assets | $91,179,200 | 5,254 |
| Average earning assets | $81,306,400 | 5,297 |
| Average equity | $12,151,800 | 4,568 |
| Average total loans | $35,697,400 | 6,128 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 7,487 |
| Cost of funding earning assets | 0.5935% | 7,304 |
| Net interest margin | 3.0190% | 6,794 |
| Noninterest income to average assets | 0.2162% | 6,361 |
| Noninterest expense to average assets | 1.5014% | 7,547 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4606% | 998 |
| Return on assets (ROA) | 1.4606% | 1,075 |
| Pretax return on assets | 1.4606% | 1,721 |
| Return on Equity (ROE) | 10.5130% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.5130% | 683 |
| Net charge-offs to loans | 0.0112% | 6,511 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 321.9925% | 98 |
| Efficiency ratio | 50.6891% | 7,100 |
| Assets per employee ($millions) | 6.5187% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 2,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 53.3295% | 5,940 |
| Net loans and leases to deposits | 62.9718% | 6,025 |
| Net loans and leases to core deposits | 62.9718% | 6,379 |
| Total domestic deposits to total assets | 84.6878% | 3,778 |
| Equity capital to assets | 15.1128% | 864 |
| Core capital (leverage) ratio | 14.3788% | 836 |
| Tier 1 risk-based capital ratio | 20.1182% | 1,522 |
| Total risk-based capital ratio | 21.3863% | 1,485 |
| Memoranda: | ||
| Average total assets | $88,181,500 | 5,408 |
| Average earning assets | $80,200,250 | 5,399 |
| Average equity | $12,251,250 | 4,610 |
| Average total loans | $35,691,750 | 6,217 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2762% | 7,665 |
| Cost of funding earning assets | 0.6207% | 7,363 |
| Net interest margin | 2.6554% | 7,299 |
| Noninterest income to average assets | 0.2194% | 6,342 |
| Noninterest expense to average assets | 1.4911% | 7,619 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1419% | 1,718 |
| Return on assets (ROA) | 1.1419% | 1,785 |
| Pretax return on assets | 1.1419% | 2,620 |
| Return on Equity (ROE) | 8.4535% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.4535% | 1,282 |
| Net charge-offs to loans | 0.0062% | 6,283 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 510.0000% | 63 |
| Efficiency ratio | 56.6327% | 6,554 |
| Assets per employee ($millions) | 6.5432% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4954% | 1,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 39.7809% | 7,177 |
| Net loans and leases to deposits | 46.6268% | 7,219 |
| Net loans and leases to core deposits | 46.6268% | 7,328 |
| Total domestic deposits to total assets | 85.3176% | 3,459 |
| Equity capital to assets | 14.4778% | 1,018 |
| Core capital (leverage) ratio | 13.4168% | 1,091 |
| Tier 1 risk-based capital ratio | 20.0126% | 1,518 |
| Total risk-based capital ratio | 21.2650% | 1,479 |
| Memoranda: | ||
| Average total assets | $89,327,670 | 5,415 |
| Average earning assets | $81,192,330 | 5,399 |
| Average equity | $12,066,000 | 4,662 |
| Average total loans | $32,236,670 | 6,428 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0325% | 7,800 |
| Cost of funding earning assets | 0.6427% | 7,460 |
| Net interest margin | 2.3898% | 7,537 |
| Noninterest income to average assets | 0.2143% | 6,430 |
| Noninterest expense to average assets | 1.4695% | 7,732 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9403% | 2,392 |
| Return on assets (ROA) | 0.9403% | 2,455 |
| Pretax return on assets | 0.9403% | 3,315 |
| Return on Equity (ROE) | 7.2018% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.2018% | 2,045 |
| Net charge-offs to loans | 0.0129% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 156 |
| Efficiency ratio | 60.9800% | 6,007 |
| Assets per employee ($millions) | 6.7882% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2091% | 689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 29.5987% | 7,633 |
| Net loans and leases to deposits | 34.3354% | 7,651 |
| Net loans and leases to core deposits | 34.3354% | 7,678 |
| Total domestic deposits to total assets | 86.2046% | 3,027 |
| Equity capital to assets | 13.6515% | 1,266 |
| Core capital (leverage) ratio | 12.3104% | 1,486 |
| Tier 1 risk-based capital ratio | 30.1954% | 520 |
| Total risk-based capital ratio | 31.4576% | 505 |
| Memoranda: | ||
| Average total assets | $91,461,000 | 5,403 |
| Average earning assets | $84,022,500 | 5,361 |
| Average equity | $11,941,500 | 4,729 |
| Average total loans | $31,003,000 | 6,568 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 7,794 |
| Cost of funding earning assets | 0.7321% | 7,650 |
| Net interest margin | 2.9364% | 6,790 |
| Noninterest income to average assets | 0.1785% | 6,807 |
| Noninterest expense to average assets | 1.5525% | 7,794 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3729% | 892 |
| Return on assets (ROA) | 1.3675% | 956 |
| Pretax return on assets | 1.3675% | 1,509 |
| Return on Equity (ROE) | 10.3247% | 1,601 |
| Retained earnings to average equity (ytd only) | 0.5844% | 4,575 |
| Net charge-offs to loans | 0.0692% | 6,425 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 55.5217% | 478 |
| Efficiency ratio | 53.0687% | 7,317 |
| Assets per employee ($millions) | 7.2827% | 717 |
| Cash dividends to net income (ytd only)* | 94.3396% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4757% | 1,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 36.0739% | 7,518 |
| Net loans and leases to deposits | 41.2955% | 7,588 |
| Net loans and leases to core deposits | 51.7258% | 7,539 |
| Total domestic deposits to total assets | 87.3557% | 2,291 |
| Equity capital to assets | 12.5017% | 1,747 |
| Core capital (leverage) ratio | 12.1909% | 1,586 |
| Tier 1 risk-based capital ratio | 26.8513% | 710 |
| Total risk-based capital ratio | 28.1126% | 697 |
| Memoranda: | ||
| Average total assets | $93,014,000 | 5,301 |
| Average earning assets | $87,012,000 | 5,227 |
| Average equity | $12,320,000 | 4,673 |
| Average total loans | $33,214,600 | 6,452 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 7,914 |
| Cost of funding earning assets | 0.7455% | 7,766 |
| Net interest margin | 2.8822% | 6,892 |
| Noninterest income to average assets | 0.1843% | 6,908 |
| Noninterest expense to average assets | 1.4514% | 7,907 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4327% | 962 |
| Return on assets (ROA) | 1.4255% | 1,036 |
| Pretax return on assets | 1.4255% | 1,634 |
| Return on Equity (ROE) | 10.6098% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.6098% | 531 |
| Net charge-offs to loans | 0.0936% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 43.2550% | 710 |
| Efficiency ratio | 50.3245% | 7,531 |
| Assets per employee ($millions) | 6.4898% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1330% | 1,539 |
| Loan loss allowance to noncurrent loans | 6,669.2308% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 7,553 |
| Noncurrent loans to loans | 0.0320% | 7,434 |
| Net loans and leases to total assets | 47.1506% | 7,023 |
| Net loans and leases to deposits | 55.7737% | 7,107 |
| Net loans and leases to core deposits | 74.2677% | 6,714 |
| Total domestic deposits to total assets | 84.5392% | 3,457 |
| Equity capital to assets | 15.2273% | 944 |
| Core capital (leverage) ratio | 13.8309% | 1,136 |
| Tier 1 risk-based capital ratio | 26.7152% | 772 |
| Total risk-based capital ratio | 27.9743% | 746 |
| Memoranda: | ||
| Average total assets | $92,598,750 | 5,346 |
| Average earning assets | $86,738,500 | 5,279 |
| Average equity | $12,441,000 | 4,672 |
| Average total loans | $32,763,250 | 6,523 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4393% | 8,038 |
| Cost of funding earning assets | 0.7533% | 7,869 |
| Net interest margin | 2.6859% | 7,230 |
| Noninterest income to average assets | 0.1867% | 6,963 |
| Noninterest expense to average assets | 1.2691% | 8,064 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4306% | 957 |
| Return on assets (ROA) | 1.4201% | 1,049 |
| Pretax return on assets | 1.4201% | 1,666 |
| Return on Equity (ROE) | 11.0031% | 1,700 |
| Retained earnings to average equity (ytd only) | 11.0031% | 566 |
| Net charge-offs to loans | 0.0066% | 6,507 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 682.0000% | 41 |
| Efficiency ratio | 47.0085% | 7,803 |
| Assets per employee ($millions) | 6.9078% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7934% | 686 |
| Loan loss allowance to noncurrent loans | 4,040.9091% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 7,565 |
| Noncurrent loans to loans | 0.0691% | 7,351 |
| Net loans and leases to total assets | 34.4495% | 7,756 |
| Net loans and leases to deposits | 40.0751% | 7,812 |
| Net loans and leases to core deposits | 52.2559% | 7,702 |
| Total domestic deposits to total assets | 85.9623% | 2,812 |
| Equity capital to assets | 13.8317% | 1,373 |
| Core capital (leverage) ratio | 12.7991% | 1,509 |
| Tier 1 risk-based capital ratio | 29.2670% | 645 |
| Total risk-based capital ratio | 30.5295% | 631 |
| Memoranda: | ||
| Average total assets | $95,342,330 | 5,301 |
| Average earning assets | $89,205,330 | 5,228 |
| Average equity | $12,305,670 | 4,738 |
| Average total loans | $30,135,330 | 6,726 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3734% | 8,110 |
| Cost of funding earning assets | 0.7932% | 7,915 |
| Net interest margin | 2.5802% | 7,397 |
| Noninterest income to average assets | 0.1998% | 6,861 |
| Noninterest expense to average assets | 1.2516% | 8,097 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3617% | 1,229 |
| Return on assets (ROA) | 1.3617% | 1,317 |
| Pretax return on assets | 1.3617% | 2,078 |
| Return on Equity (ROE) | 10.9079% | 1,996 |
| Retained earnings to average equity (ytd only) | 10.9079% | 992 |
| Net charge-offs to loans | 0.0137% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 334.0000% | 120 |
| Efficiency ratio | 47.8939% | 7,732 |
| Assets per employee ($millions) | 7.2250% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5341% | 313 |
| Loan loss allowance to noncurrent loans | 4,040.9091% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 7,557 |
| Noncurrent loans to loans | 0.0875% | 7,274 |
| Net loans and leases to total assets | 25.8355% | 8,004 |
| Net loans and leases to deposits | 29.8090% | 8,041 |
| Net loans and leases to core deposits | 38.6069% | 7,993 |
| Total domestic deposits to total assets | 86.6702% | 2,374 |
| Equity capital to assets | 13.1371% | 1,685 |
| Core capital (leverage) ratio | 11.4824% | 2,159 |
| Tier 1 risk-based capital ratio | 24.1806% | 1,058 |
| Total risk-based capital ratio | 25.4381% | 1,034 |
| Memoranda: | ||
| Average total assets | $98,113,000 | 5,233 |
| Average earning assets | $91,777,000 | 5,154 |
| Average equity | $12,248,000 | 4,771 |
| Average total loans | $29,290,500 | 6,805 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8920% | 7,902 |
| Cost of funding earning assets | 1.7096% | 7,239 |
| Net interest margin | 3.1824% | 6,418 |
| Noninterest income to average assets | 0.1878% | 7,102 |
| Noninterest expense to average assets | 1.3282% | 8,107 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8959% | 433 |
| Return on assets (ROA) | 1.8959% | 424 |
| Pretax return on assets | 1.8959% | 770 |
| Return on Equity (ROE) | 15.2511% | 891 |
| Retained earnings to average equity (ytd only) | 0.3881% | 5,007 |
| Net charge-offs to loans | 0.0031% | 6,968 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1,847.0000% | 13 |
| Efficiency ratio | 41.1971% | 8,099 |
| Assets per employee ($millions) | 7.3072% | 619 |
| Cash dividends to net income (ytd only)* | 97.4553% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6626% | 577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 31.8042% | 7,952 |
| Net loans and leases to deposits | 36.1841% | 8,024 |
| Net loans and leases to core deposits | 45.3527% | 7,977 |
| Total domestic deposits to total assets | 87.8955% | 1,515 |
| Equity capital to assets | 11.8836% | 2,367 |
| Core capital (leverage) ratio | 11.4150% | 2,301 |
| Tier 1 risk-based capital ratio | 25.6666% | 932 |
| Total risk-based capital ratio | 26.9261% | 906 |
| Memoranda: | ||
| Average total assets | $97,421,800 | 5,127 |
| Average earning assets | $92,947,400 | 5,003 |
| Average equity | $12,110,600 | 4,806 |
| Average total loans | $32,282,800 | 6,596 |