Home > First Western Federal Savings Bank > Performance and Condition Ratios
First Western Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7440% | 276 |
| Cost of funding earning assets | 3.0433% | 133 |
| Net interest margin | 3.7007% | 1,763 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 2.4835% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1522% | 1,777 |
| Return on assets (ROA) | 1.1522% | 1,745 |
| Pretax return on assets | 1.1522% | 2,253 |
| Return on Equity (ROE) | 7.5700% | 3,140 |
| Retained earnings to average equity (ytd only) | 1.7640% | 3,638 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.3087% | 2,069 |
| Assets per employee ($millions) | 8.1446% | 1,363 |
| Cash dividends to net income (ytd only)* | 76.6839% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6422% | 4,196 |
| Loan loss allowance to noncurrent loans | 4,322.2222% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,670 |
| Noncurrent loans to loans | 0.0149% | 3,640 |
| Net loans and leases to total assets | 92.3700% | 13 |
| Net loans and leases to deposits | 141.2405% | 24 |
| Net loans and leases to core deposits | 160.3666% | 152 |
| Total domestic deposits to total assets | 65.4000% | 4,386 |
| Equity capital to assets | 15.8325% | 482 |
| Core capital (leverage) ratio | 15.9166% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $67,003,000 | 4,148 |
| Average earning assets | $65,717,800 | 4,080 |
| Average equity | $10,204,200 | 3,699 |
| Average total loans | $62,343,400 | 3,674 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7218% | 248 |
| Cost of funding earning assets | 2.9680% | 120 |
| Net interest margin | 3.7538% | 1,682 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 2.5237% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1640% | 1,892 |
| Return on assets (ROA) | 1.1640% | 1,874 |
| Pretax return on assets | 1.1640% | 2,378 |
| Return on Equity (ROE) | 7.7200% | 3,260 |
| Retained earnings to average equity (ytd only) | 1.6509% | 3,807 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.4352% | 1,970 |
| Assets per employee ($millions) | 8.2169% | 1,250 |
| Cash dividends to net income (ytd only)* | 78.6078% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6380% | 4,219 |
| Loan loss allowance to noncurrent loans | 4,322.2222% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,701 |
| Noncurrent loans to loans | 0.0148% | 3,689 |
| Net loans and leases to total assets | 92.1700% | 13 |
| Net loans and leases to deposits | 142.7592% | 22 |
| Net loans and leases to core deposits | 161.8718% | 102 |
| Total domestic deposits to total assets | 64.5600% | 4,423 |
| Equity capital to assets | 15.5716% | 485 |
| Core capital (leverage) ratio | 15.4894% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $67,464,500 | 4,152 |
| Average earning assets | $66,170,750 | 4,099 |
| Average equity | $10,176,250 | 3,706 |
| Average total loans | $62,786,000 | 3,674 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6792% | 219 |
| Cost of funding earning assets | 2.8617% | 105 |
| Net interest margin | 3.8176% | 1,588 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 2.5014% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2522% | 1,688 |
| Return on assets (ROA) | 1.2522% | 1,681 |
| Pretax return on assets | 1.2522% | 2,219 |
| Return on Equity (ROE) | 8.3900% | 3,145 |
| Retained earnings to average equity (ytd only) | 2.3827% | 3,627 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.6406% | 2,160 |
| Assets per employee ($millions) | 8.4019% | 1,137 |
| Cash dividends to net income (ytd only)* | 71.5962% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6226% | 4,271 |
| Loan loss allowance to noncurrent loans | 762.7451% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 3,013 |
| Noncurrent loans to loans | 0.0816% | 3,106 |
| Net loans and leases to total assets | 92.3800% | 14 |
| Net loans and leases to deposits | 140.1137% | 31 |
| Net loans and leases to core deposits | 156.6545% | 113 |
| Total domestic deposits to total assets | 65.9300% | 4,432 |
| Equity capital to assets | 15.2228% | 503 |
| Core capital (leverage) ratio | 15.1560% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $68,041,000 | 4,164 |
| Average earning assets | $66,744,333 | 4,109 |
| Average equity | $10,156,333 | 3,723 |
| Average total loans | $63,389,333 | 3,666 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4533% | 191 |
| Cost of funding earning assets | 2.6278% | 79 |
| Net interest margin | 3.8255% | 1,632 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 2.6003% | 1,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1570% | 2,050 |
| Return on assets (ROA) | 1.1570% | 2,016 |
| Pretax return on assets | 1.1570% | 2,543 |
| Return on Equity (ROE) | 7.8300% | 3,333 |
| Retained earnings to average equity (ytd only) | 0.5930% | 3,932 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.2068% | 1,833 |
| Assets per employee ($millions) | 8.5275% | 1,114 |
| Cash dividends to net income (ytd only)* | 92.4242% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6078% | 4,344 |
| Loan loss allowance to noncurrent loans | 3,890.0000% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,700 |
| Noncurrent loans to loans | 0.0156% | 3,689 |
| Net loans and leases to total assets | 93.2400% | 10 |
| Net loans and leases to deposits | 141.9971% | 22 |
| Net loans and leases to core deposits | 159.7092% | 90 |
| Total domestic deposits to total assets | 65.6600% | 4,489 |
| Equity capital to assets | 14.8432% | 495 |
| Core capital (leverage) ratio | 14.7610% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $68,454,000 | 4,218 |
| Average earning assets | $67,128,500 | 4,161 |
| Average equity | $10,118,500 | 3,771 |
| Average total loans | $63,844,500 | 3,700 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1228% | 86 |
| Cost of funding earning assets | 0.8769% | 280 |
| Net interest margin | 5.2459% | 111 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 2.5474% | 1,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.6237% | 133 |
| Return on assets (ROA) | 2.6237% | 130 |
| Pretax return on assets | 2.6237% | 178 |
| Return on Equity (ROE) | 17.3000% | 811 |
| Retained earnings to average equity (ytd only) | 3.7326% | 3,486 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.2625% | 4,173 |
| Assets per employee ($millions) | 8.5860% | 1,058 |
| Cash dividends to net income (ytd only)* | 78.4302% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6108% | 4,328 |
| Loan loss allowance to noncurrent loans | 350.4505% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 2,405 |
| Noncurrent loans to loans | 0.1743% | 2,610 |
| Net loans and leases to total assets | 92.1600% | 16 |
| Net loans and leases to deposits | 145.3982% | 19 |
| Net loans and leases to core deposits | 154.5233% | 83 |
| Total domestic deposits to total assets | 63.3800% | 4,550 |
| Equity capital to assets | 14.7202% | 504 |
| Core capital (leverage) ratio | 14.9002% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $65,557,200 | 4,276 |
| Average earning assets | $64,431,000 | 4,213 |
| Average equity | $9,939,400 | 3,879 |
| Average total loans | $60,881,600 | 3,710 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0947% | 74 |
| Cost of funding earning assets | 0.4981% | 757 |
| Net interest margin | 5.5966% | 67 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 2.6038% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.9126% | 109 |
| Return on assets (ROA) | 2.9126% | 105 |
| Pretax return on assets | 2.9126% | 150 |
| Return on Equity (ROE) | 19.0600% | 523 |
| Retained earnings to average equity (ytd only) | 4.4594% | 3,304 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.2015% | 4,321 |
| Assets per employee ($millions) | 8.5329% | 1,050 |
| Cash dividends to net income (ytd only)* | 76.6078% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6165% | 4,364 |
| Loan loss allowance to noncurrent loans | 350.4505% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 2,478 |
| Noncurrent loans to loans | 0.1759% | 2,705 |
| Net loans and leases to total assets | 91.8600% | 12 |
| Net loans and leases to deposits | 142.2130% | 18 |
| Net loans and leases to core deposits | 144.0557% | 86 |
| Total domestic deposits to total assets | 64.5900% | 4,598 |
| Equity capital to assets | 14.7518% | 478 |
| Core capital (leverage) ratio | 15.1632% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $64,774,500 | 4,315 |
| Average earning assets | $63,704,250 | 4,250 |
| Average equity | $9,896,500 | 3,930 |
| Average total loans | $60,179,250 | 3,738 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0531% | 67 |
| Cost of funding earning assets | 0.2939% | 1,775 |
| Net interest margin | 5.7592% | 57 |
| Noninterest income to average assets | 0.0063% | 4,728 |
| Noninterest expense to average assets | 2.6347% | 1,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 3.0403% | 70 |
| Return on assets (ROA) | 3.0403% | 66 |
| Pretax return on assets | 3.0403% | 92 |
| Return on Equity (ROE) | 19.6571% | 329 |
| Retained earnings to average equity (ytd only) | 5.2243% | 2,623 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4266% | 4,433 |
| Assets per employee ($millions) | 8.0448% | 1,277 |
| Cash dividends to net income (ytd only)* | 73.4230% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6497% | 4,412 |
| 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 | 92.4298% | 5 |
| Net loans and leases to deposits | 125.1546% | 32 |
| Net loans and leases to core deposits | 126.6549% | 141 |
| Total domestic deposits to total assets | 73.8525% | 4,537 |
| Equity capital to assets | 15.4930% | 369 |
| Core capital (leverage) ratio | 15.8446% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,611,667 | 4,379 |
| Average earning assets | $62,612,667 | 4,318 |
| Average equity | $9,838,667 | 4,014 |
| Average total loans | $59,207,333 | 3,795 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7339% | 80 |
| Cost of funding earning assets | 0.2057% | 2,714 |
| Net interest margin | 5.5282% | 69 |
| Noninterest income to average assets | 0.0063% | 4,747 |
| Noninterest expense to average assets | 2.4542% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.9918% | 78 |
| Return on assets (ROA) | 2.9918% | 77 |
| Pretax return on assets | 2.9918% | 109 |
| Return on Equity (ROE) | 19.3605% | 254 |
| Retained earnings to average equity (ytd only) | 4.7889% | 2,671 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0639% | 4,529 |
| Assets per employee ($millions) | 7.8833% | 1,448 |
| Cash dividends to net income (ytd only)* | 75.2643% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6590% | 4,451 |
| Loan loss allowance to noncurrent loans | 230.1775% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 2,068 |
| Noncurrent loans to loans | 0.2863% | 2,446 |
| Net loans and leases to total assets | 92.9804% | 3 |
| Net loans and leases to deposits | 122.8093% | 31 |
| Net loans and leases to core deposits | 123.4895% | 129 |
| Total domestic deposits to total assets | 75.7112% | 4,513 |
| Equity capital to assets | 15.5884% | 348 |
| Core capital (leverage) ratio | 15.8347% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,238,500 | 4,403 |
| Average earning assets | $62,226,000 | 4,345 |
| Average equity | $9,772,500 | 4,083 |
| Average total loans | $58,873,500 | 3,807 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9438% | 87 |
| Cost of funding earning assets | 0.2399% | 3,044 |
| Net interest margin | 5.7039% | 70 |
| Noninterest income to average assets | 0.0065% | 4,795 |
| Noninterest expense to average assets | 2.6839% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.9159% | 106 |
| Return on assets (ROA) | 2.9159% | 106 |
| Pretax return on assets | 2.9159% | 157 |
| Return on Equity (ROE) | 18.9377% | 386 |
| Retained earnings to average equity (ytd only) | 4.8056% | 2,858 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9281% | 4,408 |
| Assets per employee ($millions) | 7.0457% | 1,896 |
| Cash dividends to net income (ytd only)* | 74.6244% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 4,480 |
| 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 | 91.9872% | 10 |
| Net loans and leases to deposits | 138.1638% | 14 |
| Net loans and leases to core deposits | 139.8633% | 68 |
| Total domestic deposits to total assets | 66.5784% | 4,725 |
| Equity capital to assets | 15.3191% | 456 |
| Core capital (leverage) ratio | 15.7429% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,627,000 | 4,434 |
| Average earning assets | $60,432,400 | 4,378 |
| Average equity | $9,489,000 | 4,195 |
| Average total loans | $57,122,000 | 3,870 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9585% | 93 |
| Cost of funding earning assets | 0.2557% | 3,062 |
| Net interest margin | 5.7029% | 77 |
| Noninterest income to average assets | 0.0065% | 4,867 |
| Noninterest expense to average assets | 2.6260% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.9703% | 128 |
| Return on assets (ROA) | 2.9703% | 126 |
| Pretax return on assets | 2.9703% | 177 |
| Return on Equity (ROE) | 19.2657% | 487 |
| Retained earnings to average equity (ytd only) | 4.9330% | 3,243 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9237% | 4,450 |
| Assets per employee ($millions) | 6.9044% | 1,933 |
| Cash dividends to net income (ytd only)* | 74.3947% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6736% | 4,544 |
| Loan loss allowance to noncurrent loans | 432.2222% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 3,142 |
| Noncurrent loans to loans | 0.1558% | 3,345 |
| Net loans and leases to total assets | 92.3125% | 10 |
| Net loans and leases to deposits | 145.3774% | 13 |
| Net loans and leases to core deposits | 146.3529% | 64 |
| Total domestic deposits to total assets | 63.4986% | 4,816 |
| Equity capital to assets | 15.4603% | 473 |
| Core capital (leverage) ratio | 15.6998% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,181,000 | 4,499 |
| Average earning assets | $59,968,500 | 4,445 |
| Average equity | $9,432,750 | 4,263 |
| Average total loans | $56,722,750 | 3,932 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9847% | 102 |
| Cost of funding earning assets | 0.2816% | 2,958 |
| Net interest margin | 5.7031% | 76 |
| Noninterest income to average assets | 0.0033% | 4,914 |
| Noninterest expense to average assets | 2.6585% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.9345% | 140 |
| Return on assets (ROA) | 2.9345% | 143 |
| Pretax return on assets | 2.9345% | 201 |
| Return on Equity (ROE) | 19.0513% | 540 |
| Retained earnings to average equity (ytd only) | 5.4189% | 3,032 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5323% | 4,423 |
| Assets per employee ($millions) | 7.7100% | 1,357 |
| Cash dividends to net income (ytd only)* | 71.5566% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 4,566 |
| 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 | 92.1920% | 9 |
| Net loans and leases to deposits | 138.8722% | 23 |
| Net loans and leases to core deposits | 139.7665% | 87 |
| Total domestic deposits to total assets | 66.3862% | 4,813 |
| Equity capital to assets | 15.4215% | 475 |
| Core capital (leverage) ratio | 16.0000% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,861,333 | 4,529 |
| Average earning assets | $59,652,000 | 4,479 |
| Average equity | $9,374,667 | 4,280 |
| Average total loans | $56,379,667 | 3,965 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9374% | 121 |
| Cost of funding earning assets | 0.3580% | 2,463 |
| Net interest margin | 5.5794% | 91 |
| Noninterest income to average assets | 0.0066% | 4,926 |
| Noninterest expense to average assets | 2.6335% | 1,785 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.8386% | 175 |
| Return on assets (ROA) | 2.8386% | 198 |
| Pretax return on assets | 2.8386% | 288 |
| Return on Equity (ROE) | 18.4397% | 672 |
| Retained earnings to average equity (ytd only) | 5.2009% | 3,163 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1258% | 4,334 |
| Assets per employee ($millions) | 7.6253% | 1,383 |
| Cash dividends to net income (ytd only)* | 71.7949% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6892% | 4,588 |
| 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 | 91.8888% | 11 |
| Net loans and leases to deposits | 139.9880% | 31 |
| Net loans and leases to core deposits | 140.9100% | 91 |
| Total domestic deposits to total assets | 65.6405% | 4,845 |
| Equity capital to assets | 15.3749% | 456 |
| Core capital (leverage) ratio | 15.8780% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,452,000 | 4,551 |
| Average earning assets | $59,218,000 | 4,498 |
| Average equity | $9,306,000 | 4,294 |
| Average total loans | $55,943,000 | 3,990 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2991% | 67 |
| Cost of funding earning assets | 1.0243% | 541 |
| Net interest margin | 5.2748% | 89 |
| Noninterest income to average assets | 0.0049% | 4,951 |
| Noninterest expense to average assets | 2.5991% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.5893% | 125 |
| Return on assets (ROA) | 2.5893% | 130 |
| Pretax return on assets | 2.5893% | 173 |
| Return on Equity (ROE) | 17.5528% | 365 |
| Retained earnings to average equity (ytd only) | 4.7599% | 2,390 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0946% | 4,524 |
| Assets per employee ($millions) | 7.4878% | 1,292 |
| Cash dividends to net income (ytd only)* | 72.8824% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 4,587 |
| Loan loss allowance to noncurrent loans | 38,900.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,477 |
| Noncurrent loans to loans | 0.0018% | 4,408 |
| Net loans and leases to total assets | 91.9068% | 12 |
| Net loans and leases to deposits | 141.1894% | 24 |
| Net loans and leases to core deposits | 147.0734% | 97 |
| Total domestic deposits to total assets | 65.0947% | 4,860 |
| Equity capital to assets | 15.4135% | 498 |
| Core capital (leverage) ratio | 15.4346% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,097,400 | 4,501 |
| Average earning assets | $60,040,200 | 4,438 |
| Average equity | $9,012,800 | 4,318 |
| Average total loans | $56,552,800 | 3,970 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3388% | 72 |
| Cost of funding earning assets | 1.1750% | 406 |
| Net interest margin | 5.1638% | 110 |
| Noninterest income to average assets | 0.0043% | 4,980 |
| Noninterest expense to average assets | 2.5864% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.4952% | 145 |
| Return on assets (ROA) | 2.4952% | 154 |
| Pretax return on assets | 2.4952% | 214 |
| Return on Equity (ROE) | 17.1021% | 439 |
| Retained earnings to average equity (ytd only) | 4.7928% | 2,657 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8974% | 4,424 |
| Assets per employee ($millions) | 8.5317% | 833 |
| Cash dividends to net income (ytd only)* | 71.9756% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 4,586 |
| 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 | 93.0193% | 14 |
| Net loans and leases to deposits | 126.2253% | 72 |
| Net loans and leases to core deposits | 131.0429% | 232 |
| Total domestic deposits to total assets | 73.6931% | 4,588 |
| Equity capital to assets | 15.2825% | 571 |
| Core capital (leverage) ratio | 14.8670% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1666% | 236 |
| Memoranda: | ||
| Average total assets | $61,396,250 | 4,511 |
| Average earning assets | $60,367,750 | 4,455 |
| Average equity | $8,957,750 | 4,331 |
| Average total loans | $56,830,250 | 3,986 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3744% | 95 |
| Cost of funding earning assets | 1.3366% | 309 |
| Net interest margin | 5.0378% | 187 |
| Noninterest income to average assets | 0.0032% | 5,004 |
| Noninterest expense to average assets | 2.6084% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.3469% | 174 |
| Return on assets (ROA) | 2.3469% | 194 |
| Pretax return on assets | 2.3469% | 284 |
| Return on Equity (ROE) | 16.3346% | 512 |
| Retained earnings to average equity (ytd only) | 4.9206% | 2,516 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6384% | 4,310 |
| Assets per employee ($millions) | 7.9386% | 992 |
| Cash dividends to net income (ytd only)* | 69.8762% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 4,611 |
| 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 | 89.7637% | 35 |
| Net loans and leases to deposits | 124.4417% | 70 |
| Net loans and leases to core deposits | 129.9831% | 255 |
| Total domestic deposits to total assets | 72.1331% | 4,701 |
| Equity capital to assets | 14.2074% | 807 |
| Core capital (leverage) ratio | 14.8698% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9411% | 265 |
| Memoranda: | ||
| Average total assets | $61,954,333 | 4,510 |
| Average earning assets | $60,900,000 | 4,454 |
| Average equity | $8,901,333 | 4,347 |
| Average total loans | $57,126,333 | 3,997 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4324% | 89 |
| Cost of funding earning assets | 1.5100% | 258 |
| Net interest margin | 4.9224% | 223 |
| Noninterest income to average assets | 0.0065% | 5,049 |
| Noninterest expense to average assets | 2.6677% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1773% | 189 |
| Return on assets (ROA) | 2.1773% | 208 |
| Pretax return on assets | 2.1773% | 308 |
| Return on Equity (ROE) | 15.0670% | 540 |
| Retained earnings to average equity (ytd only) | 3.8007% | 2,757 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0607% | 4,303 |
| Assets per employee ($millions) | 6.0934% | 1,602 |
| Cash dividends to net income (ytd only)* | 74.7748% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6887% | 4,627 |
| Loan loss allowance to noncurrent loans | 19,450.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,631 |
| Noncurrent loans to loans | 0.0035% | 4,566 |
| Net loans and leases to total assets | 92.0635% | 13 |
| Net loans and leases to deposits | 124.3004% | 63 |
| Net loans and leases to core deposits | 133.0471% | 233 |
| Total domestic deposits to total assets | 74.0654% | 4,656 |
| Equity capital to assets | 14.5764% | 868 |
| Core capital (leverage) ratio | 14.5819% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2322% | 300 |
| Memoranda: | ||
| Average total assets | $61,177,000 | 4,541 |
| Average earning assets | $60,133,500 | 4,477 |
| Average equity | $8,840,500 | 4,384 |
| Average total loans | $56,991,000 | 4,008 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6627% | 87 |
| Cost of funding earning assets | 1.7307% | 178 |
| Net interest margin | 4.9321% | 306 |
| Noninterest income to average assets | 0.0538% | 5,031 |
| Noninterest expense to average assets | 2.7175% | 2,838 |
| Loan and lease loss provision to assets | 0.0252% | 3,510 |
| Net operating income to assets | 2.1579% | 244 |
| Return on assets (ROA) | 2.1579% | 256 |
| Pretax return on assets | 2.1579% | 418 |
| Return on Equity (ROE) | 14.8405% | 719 |
| Retained earnings to average equity (ytd only) | 3.5945% | 3,201 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4527% | 4,273 |
| Assets per employee ($millions) | 7.6775% | 805 |
| Cash dividends to net income (ytd only)* | 75.7788% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6766% | 4,615 |
| Loan loss allowance to noncurrent loans | 468.6747% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 3,960 |
| Noncurrent loans to loans | 0.1444% | 3,949 |
| Net loans and leases to total assets | 92.9762% | 13 |
| Net loans and leases to deposits | 116.2227% | 111 |
| Net loans and leases to core deposits | 122.9938% | 404 |
| Total domestic deposits to total assets | 79.9984% | 3,976 |
| Equity capital to assets | 14.3260% | 989 |
| Core capital (leverage) ratio | 14.1456% | 893 |
| Tier 1 risk-based capital ratio | 26.6072% | 643 |
| Total risk-based capital ratio | 27.7835% | 634 |
| Memoranda: | ||
| Average total assets | $59,502,600 | 4,601 |
| Average earning assets | $58,474,600 | 4,548 |
| Average equity | $8,652,000 | 4,427 |
| Average total loans | $55,604,600 | 4,063 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7456% | 88 |
| Cost of funding earning assets | 1.7243% | 179 |
| Net interest margin | 5.0213% | 277 |
| Noninterest income to average assets | 0.0881% | 5,025 |
| Noninterest expense to average assets | 2.7695% | 2,652 |
| Loan and lease loss provision to assets | 0.0339% | 3,225 |
| Net operating income to assets | 2.2183% | 266 |
| Return on assets (ROA) | 2.2183% | 275 |
| Pretax return on assets | 2.2183% | 440 |
| Return on Equity (ROE) | 15.1975% | 739 |
| Retained earnings to average equity (ytd only) | 3.6834% | 3,556 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1507% | 4,263 |
| Assets per employee ($millions) | 7.6739% | 782 |
| Cash dividends to net income (ytd only)* | 75.7641% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 4,683 |
| Loan loss allowance to noncurrent loans | 9,725.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 4,416 |
| Noncurrent loans to loans | 0.0070% | 4,655 |
| Net loans and leases to total assets | 92.0216% | 17 |
| Net loans and leases to deposits | 114.7346% | 132 |
| Net loans and leases to core deposits | 121.3546% | 491 |
| Total domestic deposits to total assets | 80.2039% | 3,949 |
| Equity capital to assets | 14.2073% | 1,075 |
| Core capital (leverage) ratio | 14.5427% | 845 |
| Tier 1 risk-based capital ratio | 27.1139% | 631 |
| Total risk-based capital ratio | 28.3232% | 619 |
| Memoranda: | ||
| Average total assets | $59,023,250 | 4,673 |
| Average earning assets | $57,992,000 | 4,613 |
| Average equity | $8,615,250 | 4,479 |
| Average total loans | $55,132,000 | 4,120 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7404% | 90 |
| Cost of funding earning assets | 1.7017% | 179 |
| Net interest margin | 5.0387% | 270 |
| Noninterest income to average assets | 0.1236% | 4,953 |
| Noninterest expense to average assets | 2.7922% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2839% | 223 |
| Return on assets (ROA) | 2.2839% | 232 |
| Pretax return on assets | 2.2839% | 372 |
| Return on Equity (ROE) | 15.5018% | 668 |
| Retained earnings to average equity (ytd only) | 4.2659% | 3,118 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0068% | 4,364 |
| Assets per employee ($millions) | 7.4305% | 841 |
| Cash dividends to net income (ytd only)* | 72.4812% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6699% | 4,756 |
| Loan loss allowance to noncurrent loans | 285.4962% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 3,262 |
| Noncurrent loans to loans | 0.2346% | 3,704 |
| Net loans and leases to total assets | 93.2962% | 11 |
| Net loans and leases to deposits | 125.4331% | 58 |
| Net loans and leases to core deposits | 132.4774% | 278 |
| Total domestic deposits to total assets | 74.3792% | 4,808 |
| Equity capital to assets | 14.5784% | 926 |
| Core capital (leverage) ratio | 14.6949% | 775 |
| Tier 1 risk-based capital ratio | 26.0522% | 687 |
| Total risk-based capital ratio | 27.1765% | 678 |
| Memoranda: | ||
| Average total assets | $58,234,000 | 4,722 |
| Average earning assets | $57,236,670 | 4,666 |
| Average equity | $8,579,670 | 4,502 |
| Average total loans | $54,548,670 | 4,162 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7474% | 93 |
| Cost of funding earning assets | 1.6374% | 200 |
| Net interest margin | 5.1100% | 239 |
| Noninterest income to average assets | 0.1943% | 4,594 |
| Noninterest expense to average assets | 2.7486% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4710% | 168 |
| Return on assets (ROA) | 2.4710% | 178 |
| Pretax return on assets | 2.4710% | 261 |
| Return on Equity (ROE) | 16.6813% | 506 |
| Retained earnings to average equity (ytd only) | 5.0138% | 2,901 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6596% | 4,644 |
| Assets per employee ($millions) | 7.2199% | 910 |
| Cash dividends to net income (ytd only)* | 69.9438% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 4,790 |
| Loan loss allowance to noncurrent loans | 115.0769% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 1,945 |
| Noncurrent loans to loans | 0.6016% | 2,531 |
| Net loans and leases to total assets | 92.8912% | 12 |
| Net loans and leases to deposits | 120.3198% | 82 |
| Net loans and leases to core deposits | 126.2216% | 376 |
| Total domestic deposits to total assets | 77.2036% | 4,632 |
| Equity capital to assets | 14.8721% | 778 |
| Core capital (leverage) ratio | 14.7415% | 755 |
| Tier 1 risk-based capital ratio | 26.7526% | 635 |
| Total risk-based capital ratio | 27.9174% | 634 |
| Memoranda: | ||
| Average total assets | $57,629,000 | 4,783 |
| Average earning assets | $56,673,500 | 4,727 |
| Average equity | $8,536,500 | 4,535 |
| Average total loans | $53,906,500 | 4,215 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3676% | 106 |
| Cost of funding earning assets | 1.2355% | 296 |
| Net interest margin | 5.1321% | 209 |
| Noninterest income to average assets | -0.0254% | 5,362 |
| Noninterest expense to average assets | 2.8073% | 2,664 |
| Loan and lease loss provision to assets | 0.0145% | 3,855 |
| Net operating income to assets | 2.1965% | 252 |
| Return on assets (ROA) | 2.1965% | 242 |
| Pretax return on assets | 2.1965% | 360 |
| Return on Equity (ROE) | 14.6228% | 915 |
| Retained earnings to average equity (ytd only) | 4.0418% | 3,339 |
| Net charge-offs to loans | 0.1005% | 1,755 |
| Credit loss provision to net charge-offs | 15.3846% | 3,416 |
| Earnings coverage of net charge-offs (x) | 23.4615% | 1,850 |
| Efficiency ratio | 55.9408% | 4,418 |
| Assets per employee ($millions) | 7.1874% | 907 |
| Cash dividends to net income (ytd only)* | 72.3597% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 4,809 |
| Loan loss allowance to noncurrent loans | 130.3136% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 2,076 |
| Noncurrent loans to loans | 0.5336% | 2,671 |
| Net loans and leases to total assets | 92.8921% | 19 |
| Net loans and leases to deposits | 118.2650% | 115 |
| Net loans and leases to core deposits | 122.6086% | 478 |
| Total domestic deposits to total assets | 78.5457% | 4,404 |
| Equity capital to assets | 14.7533% | 773 |
| Core capital (leverage) ratio | 14.9562% | 705 |
| Tier 1 risk-based capital ratio | 27.4824% | 593 |
| Total risk-based capital ratio | 28.6941% | 585 |
| Memoranda: | ||
| Average total assets | $55,178,200 | 4,851 |
| Average earning assets | $54,227,600 | 4,784 |
| Average equity | $8,288,400 | 4,557 |
| Average total loans | $51,745,000 | 4,278 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3160% | 103 |
| Cost of funding earning assets | 1.1757% | 289 |
| Net interest margin | 5.1403% | 201 |
| Noninterest income to average assets | -0.0440% | 5,447 |
| Noninterest expense to average assets | 2.8450% | 2,477 |
| Loan and lease loss provision to assets | 0.0195% | 3,615 |
| Net operating income to assets | 2.1417% | 286 |
| Return on assets (ROA) | 2.1417% | 283 |
| Pretax return on assets | 2.1417% | 440 |
| Return on Equity (ROE) | 14.1910% | 1,067 |
| Retained earnings to average equity (ytd only) | 4.2394% | 3,653 |
| Net charge-offs to loans | 0.1353% | 1,193 |
| Credit loss provision to net charge-offs | 15.3846% | 3,037 |
| Earnings coverage of net charge-offs (x) | 17.0196% | 2,129 |
| Efficiency ratio | 56.8293% | 4,273 |
| Assets per employee ($millions) | 6.9954% | 936 |
| Cash dividends to net income (ytd only)* | 70.1257% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 4,855 |
| Loan loss allowance to noncurrent loans | 169.2308% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 2,517 |
| Noncurrent loans to loans | 0.4198% | 3,151 |
| Net loans and leases to total assets | 93.3938% | 14 |
| Net loans and leases to deposits | 118.4794% | 120 |
| Net loans and leases to core deposits | 119.9752% | 574 |
| Total domestic deposits to total assets | 78.8271% | 4,353 |
| Equity capital to assets | 15.0260% | 713 |
| Core capital (leverage) ratio | 15.4996% | 597 |
| Tier 1 risk-based capital ratio | 27.8711% | 575 |
| Total risk-based capital ratio | 29.1107% | 565 |
| Memoranda: | ||
| Average total assets | $54,598,000 | 4,917 |
| Average earning assets | $53,640,000 | 4,844 |
| Average equity | $8,239,750 | 4,617 |
| Average total loans | $51,234,750 | 4,337 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3102% | 95 |
| Cost of funding earning assets | 1.1319% | 253 |
| Net interest margin | 5.1783% | 176 |
| Noninterest income to average assets | -0.0665% | 5,516 |
| Noninterest expense to average assets | 2.8591% | 2,469 |
| Loan and lease loss provision to assets | 0.0296% | 3,320 |
| Net operating income to assets | 2.1314% | 289 |
| Return on assets (ROA) | 2.1314% | 284 |
| Pretax return on assets | 2.1314% | 453 |
| Return on Equity (ROE) | 14.1018% | 1,050 |
| Retained earnings to average equity (ytd only) | 4.4236% | 3,390 |
| Net charge-offs to loans | 0.2049% | 776 |
| Credit loss provision to net charge-offs | 15.3846% | 2,712 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 2,285 |
| Efficiency ratio | 56.9536% | 4,369 |
| Assets per employee ($millions) | 6.7395% | 1,050 |
| Cash dividends to net income (ytd only)* | 68.6308% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 4,845 |
| Loan loss allowance to noncurrent loans | 104.7753% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 1,798 |
| Noncurrent loans to loans | 0.7059% | 2,347 |
| Net loans and leases to total assets | 92.8426% | 17 |
| Net loans and leases to deposits | 123.0658% | 82 |
| Net loans and leases to core deposits | 123.9802% | 460 |
| Total domestic deposits to total assets | 75.4414% | 4,910 |
| Equity capital to assets | 15.4017% | 610 |
| Core capital (leverage) ratio | 15.2311% | 628 |
| Tier 1 risk-based capital ratio | 28.2863% | 544 |
| Total risk-based capital ratio | 29.5364% | 538 |
| Memoranda: | ||
| Average total assets | $54,143,000 | 4,977 |
| Average earning assets | $53,183,670 | 4,911 |
| Average equity | $8,183,330 | 4,666 |
| Average total loans | $50,766,330 | 4,385 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1301% | 113 |
| Cost of funding earning assets | 1.0429% | 303 |
| Net interest margin | 5.0871% | 200 |
| Noninterest income to average assets | -0.1180% | 5,590 |
| Noninterest expense to average assets | 2.8826% | 2,438 |
| Loan and lease loss provision to assets | 0.0590% | 2,590 |
| Net operating income to assets | 1.9389% | 421 |
| Return on assets (ROA) | 1.9389% | 421 |
| Pretax return on assets | 1.9389% | 662 |
| Return on Equity (ROE) | 12.9509% | 1,276 |
| Retained earnings to average equity (ytd only) | 3.6932% | 3,719 |
| Net charge-offs to loans | 0.4084% | 383 |
| Credit loss provision to net charge-offs | 15.3846% | 2,152 |
| Earnings coverage of net charge-offs (x) | 5.2115% | 2,251 |
| Efficiency ratio | 59.0634% | 4,204 |
| Assets per employee ($millions) | 6.0809% | 1,444 |
| Cash dividends to net income (ytd only)* | 71.4829% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7286% | 4,967 |
| Loan loss allowance to noncurrent loans | 60.9121% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.2151% | 1,248 |
| Noncurrent loans to loans | 1.1962% | 1,523 |
| Net loans and leases to total assets | 93.1041% | 11 |
| Net loans and leases to deposits | 117.1249% | 142 |
| Net loans and leases to core deposits | 117.9382% | 654 |
| Total domestic deposits to total assets | 79.4913% | 4,492 |
| Equity capital to assets | 14.9339% | 689 |
| Core capital (leverage) ratio | 14.9258% | 668 |
| Tier 1 risk-based capital ratio | 28.0986% | 554 |
| Total risk-based capital ratio | 29.3471% | 549 |
| Memoranda: | ||
| Average total assets | $54,256,500 | 5,034 |
| Average earning assets | $53,311,000 | 4,969 |
| Average equity | $8,123,000 | 4,724 |
| Average total loans | $50,934,500 | 4,422 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0945% | 119 |
| Cost of funding earning assets | 0.7912% | 650 |
| Net interest margin | 5.3033% | 143 |
| Noninterest income to average assets | 0.0166% | 5,588 |
| Noninterest expense to average assets | 2.9095% | 2,422 |
| Loan and lease loss provision to assets | 0.0959% | 2,291 |
| Net operating income to assets | 2.2176% | 188 |
| Return on assets (ROA) | 2.2176% | 189 |
| Pretax return on assets | 2.2176% | 309 |
| Return on Equity (ROE) | 15.2468% | 579 |
| Retained earnings to average equity (ytd only) | 4.3128% | 2,570 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7047% | 4,792 |
| Assets per employee ($millions) | 5.9761% | 1,531 |
| Cash dividends to net income (ytd only)* | 71.7138% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 4,756 |
| Loan loss allowance to noncurrent loans | 85.2761% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1472% | 1,300 |
| Noncurrent loans to loans | 0.9675% | 1,827 |
| Net loans and leases to total assets | 93.1933% | 17 |
| Net loans and leases to deposits | 124.8325% | 72 |
| Net loans and leases to core deposits | 125.9460% | 436 |
| Total domestic deposits to total assets | 74.6546% | 5,117 |
| Equity capital to assets | 15.0098% | 674 |
| Core capital (leverage) ratio | 14.7159% | 677 |
| Tier 1 risk-based capital ratio | 28.7510% | 508 |
| Total risk-based capital ratio | 30.0011% | 504 |
| Memoranda: | ||
| Average total assets | $54,202,000 | 5,072 |
| Average earning assets | $53,212,200 | 5,014 |
| Average equity | $7,883,600 | 4,800 |
| Average total loans | $50,225,000 | 4,451 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0534% | 124 |
| Cost of funding earning assets | 0.7501% | 759 |
| Net interest margin | 5.3033% | 142 |
| Noninterest income to average assets | 0.0221% | 5,651 |
| Noninterest expense to average assets | 3.0002% | 2,106 |
| Loan and lease loss provision to assets | 0.0245% | 3,655 |
| Net operating income to assets | 2.2047% | 213 |
| Return on assets (ROA) | 2.2047% | 218 |
| Pretax return on assets | 2.2047% | 358 |
| Return on Equity (ROE) | 15.2790% | 618 |
| Retained earnings to average equity (ytd only) | 4.2196% | 3,390 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3709% | 4,578 |
| Assets per employee ($millions) | 6.1686% | 1,398 |
| Cash dividends to net income (ytd only)* | 72.3837% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 5,080 |
| Loan loss allowance to noncurrent loans | 63.7755% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.2897% | 1,248 |
| Noncurrent loans to loans | 1.1403% | 1,687 |
| Net loans and leases to total assets | 92.2042% | 34 |
| Net loans and leases to deposits | 120.9170% | 87 |
| Net loans and leases to core deposits | 121.9395% | 520 |
| Total domestic deposits to total assets | 76.2541% | 4,994 |
| Equity capital to assets | 14.3307% | 903 |
| Core capital (leverage) ratio | 14.3442% | 807 |
| Tier 1 risk-based capital ratio | 27.1693% | 616 |
| Total risk-based capital ratio | 28.4192% | 603 |
| Memoranda: | ||
| Average total assets | $54,306,250 | 5,128 |
| Average earning assets | $53,323,750 | 5,064 |
| Average equity | $7,836,250 | 4,860 |
| Average total loans | $50,146,000 | 4,497 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0390% | 120 |
| Cost of funding earning assets | 0.7067% | 866 |
| Net interest margin | 5.3323% | 135 |
| Noninterest income to average assets | 0.0297% | 5,686 |
| Noninterest expense to average assets | 3.0314% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.2337% | 202 |
| Return on assets (ROA) | 2.2337% | 201 |
| Pretax return on assets | 2.2337% | 334 |
| Return on Equity (ROE) | 15.4432% | 604 |
| Retained earnings to average equity (ytd only) | 3.5145% | 3,616 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5758% | 4,650 |
| Assets per employee ($millions) | 5.4090% | 1,954 |
| Cash dividends to net income (ytd only)* | 77.2425% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 5,144 |
| Loan loss allowance to noncurrent loans | 53.5191% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.3274% | 1,227 |
| Noncurrent loans to loans | 1.3579% | 1,426 |
| Net loans and leases to total assets | 92.1815% | 34 |
| Net loans and leases to deposits | 125.6514% | 62 |
| Net loans and leases to core deposits | 129.4889% | 315 |
| Total domestic deposits to total assets | 73.3629% | 5,345 |
| Equity capital to assets | 14.5036% | 824 |
| Core capital (leverage) ratio | 14.2223% | 799 |
| Tier 1 risk-based capital ratio | 27.3069% | 589 |
| Total risk-based capital ratio | 28.5565% | 579 |
| Memoranda: | ||
| Average total assets | $53,902,670 | 5,175 |
| Average earning assets | $52,922,670 | 5,105 |
| Average equity | $7,796,330 | 4,891 |
| Average total loans | $49,673,330 | 4,539 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1799% | 102 |
| Cost of funding earning assets | 0.6286% | 1,198 |
| Net interest margin | 5.5513% | 105 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 2.8099% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.6390% | 116 |
| Return on assets (ROA) | 2.6390% | 121 |
| Pretax return on assets | 2.6390% | 178 |
| Return on Equity (ROE) | 18.2707% | 318 |
| Retained earnings to average equity (ytd only) | 6.5878% | 2,036 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5689% | 5,286 |
| Assets per employee ($millions) | 5.6719% | 1,749 |
| Cash dividends to net income (ytd only)* | 63.9437% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 5,290 |
| Loan loss allowance to noncurrent loans | 70.0576% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.0296% | 1,761 |
| Noncurrent loans to loans | 1.0110% | 2,030 |
| Net loans and leases to total assets | 90.2114% | 52 |
| Net loans and leases to deposits | 124.4969% | 59 |
| Net loans and leases to core deposits | 131.4401% | 244 |
| Total domestic deposits to total assets | 72.4607% | 5,520 |
| Equity capital to assets | 13.8155% | 965 |
| Core capital (leverage) ratio | 14.7740% | 650 |
| Tier 1 risk-based capital ratio | 26.2231% | 671 |
| Total risk-based capital ratio | 27.4446% | 663 |
| Memoranda: | ||
| Average total assets | $53,809,000 | 5,230 |
| Average earning assets | $52,816,000 | 5,159 |
| Average equity | $7,772,000 | 4,936 |
| Average total loans | $49,397,000 | 4,580 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1772% | 100 |
| Cost of funding earning assets | 0.5536% | 1,655 |
| Net interest margin | 5.6236% | 92 |
| Noninterest income to average assets | 0.0613% | 5,745 |
| Noninterest expense to average assets | 2.9178% | 2,613 |
| Loan and lease loss provision to assets | 0.0204% | 3,960 |
| Net operating income to assets | 2.6275% | 124 |
| Return on assets (ROA) | 2.6275% | 126 |
| Pretax return on assets | 2.6275% | 167 |
| Return on Equity (ROE) | 16.9538% | 412 |
| Retained earnings to average equity (ytd only) | 3.9713% | 3,096 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4247% | 5,351 |
| Assets per employee ($millions) | 6.3624% | 1,230 |
| Cash dividends to net income (ytd only)* | 76.5759% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7723% | 5,177 |
| Loan loss allowance to noncurrent loans | 178.9216% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 3,231 |
| Noncurrent loans to loans | 0.4316% | 3,596 |
| Net loans and leases to total assets | 92.1374% | 29 |
| Net loans and leases to deposits | 127.6560% | 48 |
| Net loans and leases to core deposits | 133.4652% | 244 |
| Total domestic deposits to total assets | 72.1763% | 5,546 |
| Equity capital to assets | 15.1437% | 621 |
| Core capital (leverage) ratio | 15.0617% | 591 |
| Tier 1 risk-based capital ratio | 28.1663% | 558 |
| Total risk-based capital ratio | 29.4161% | 551 |
| Memoranda: | ||
| Average total assets | $48,906,400 | 5,370 |
| Average earning assets | $47,869,800 | 5,292 |
| Average equity | $7,579,400 | 4,995 |
| Average total loans | $45,236,600 | 4,705 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1555% | 104 |
| Cost of funding earning assets | 0.5435% | 1,763 |
| Net interest margin | 5.6121% | 95 |
| Noninterest income to average assets | 0.1460% | 5,529 |
| Noninterest expense to average assets | 2.9278% | 2,551 |
| Loan and lease loss provision to assets | 0.0275% | 3,691 |
| Net operating income to assets | 2.6799% | 125 |
| Return on assets (ROA) | 2.6799% | 127 |
| Pretax return on assets | 2.6799% | 170 |
| Return on Equity (ROE) | 17.1890% | 429 |
| Retained earnings to average equity (ytd only) | 4.3812% | 3,218 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9550% | 5,389 |
| Assets per employee ($millions) | 6.2669% | 1,255 |
| Cash dividends to net income (ytd only)* | 74.5117% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 5,221 |
| Loan loss allowance to noncurrent loans | 829.5455% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 4,293 |
| Noncurrent loans to loans | 0.0950% | 4,964 |
| Net loans and leases to total assets | 91.6765% | 31 |
| Net loans and leases to deposits | 122.2199% | 92 |
| Net loans and leases to core deposits | 126.7672% | 355 |
| Total domestic deposits to total assets | 75.0095% | 5,338 |
| Equity capital to assets | 15.2688% | 679 |
| Core capital (leverage) ratio | 15.3069% | 579 |
| Tier 1 risk-based capital ratio | 28.1599% | 576 |
| Total risk-based capital ratio | 29.4107% | 566 |
| Memoranda: | ||
| Average total assets | $48,408,250 | 5,430 |
| Average earning assets | $47,349,000 | 5,354 |
| Average equity | $7,547,250 | 5,055 |
| Average total loans | $44,730,250 | 4,768 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1348% | 112 |
| Cost of funding earning assets | 0.5134% | 1,998 |
| Net interest margin | 5.6215% | 97 |
| Noninterest income to average assets | 0.2467% | 5,002 |
| Noninterest expense to average assets | 2.8892% | 2,716 |
| Loan and lease loss provision to assets | 0.0418% | 3,313 |
| Net operating income to assets | 2.8098% | 99 |
| Return on assets (ROA) | 2.8098% | 99 |
| Pretax return on assets | 2.8098% | 142 |
| Return on Equity (ROE) | 17.8930% | 365 |
| Retained earnings to average equity (ytd only) | 4.6863% | 2,926 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3277% | 5,542 |
| Assets per employee ($millions) | 6.2171% | 1,249 |
| Cash dividends to net income (ytd only)* | 73.8095% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 5,283 |
| Loan loss allowance to noncurrent loans | 154.6610% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 2,419 |
| Noncurrent loans to loans | 0.5183% | 3,534 |
| Net loans and leases to total assets | 90.8197% | 46 |
| Net loans and leases to deposits | 128.9789% | 49 |
| Net loans and leases to core deposits | 135.2506% | 231 |
| Total domestic deposits to total assets | 70.4144% | 5,762 |
| Equity capital to assets | 15.2462% | 683 |
| Core capital (leverage) ratio | 15.6119% | 510 |
| Tier 1 risk-based capital ratio | 28.0893% | 587 |
| Total risk-based capital ratio | 29.3414% | 575 |
| Memoranda: | ||
| Average total assets | $47,832,670 | 5,504 |
| Average earning assets | $46,749,330 | 5,429 |
| Average equity | $7,511,330 | 5,107 |
| Average total loans | $44,198,000 | 4,823 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9873% | 124 |
| Cost of funding earning assets | 0.4800% | 2,276 |
| Net interest margin | 5.5072% | 115 |
| Noninterest income to average assets | 0.6997% | 2,047 |
| Noninterest expense to average assets | 2.9863% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.0972% | 89 |
| Return on assets (ROA) | 3.0972% | 89 |
| Pretax return on assets | 3.0972% | 121 |
| Return on Equity (ROE) | 19.4234% | 270 |
| Retained earnings to average equity (ytd only) | 7.2771% | 1,759 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0884% | 5,673 |
| Assets per employee ($millions) | 5.8355% | 1,544 |
| Cash dividends to net income (ytd only)* | 62.5344% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 5,326 |
| Loan loss allowance to noncurrent loans | 114.8867% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 2,044 |
| Noncurrent loans to loans | 0.7086% | 3,076 |
| Net loans and leases to total assets | 92.6506% | 23 |
| Net loans and leases to deposits | 131.9574% | 31 |
| Net loans and leases to core deposits | 136.6517% | 200 |
| Total domestic deposits to total assets | 70.2125% | 5,856 |
| Equity capital to assets | 16.1597% | 516 |
| Core capital (leverage) ratio | 15.9254% | 482 |
| Tier 1 risk-based capital ratio | 29.1150% | 544 |
| Total risk-based capital ratio | 30.3655% | 537 |
| Memoranda: | ||
| Average total assets | $46,880,500 | 5,578 |
| Average earning assets | $45,830,500 | 5,496 |
| Average equity | $7,475,500 | 5,144 |
| Average total loans | $43,529,000 | 4,879 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2797% | 97 |
| Cost of funding earning assets | 0.3959% | 3,205 |
| Net interest margin | 5.8838% | 77 |
| Noninterest income to average assets | 0.0045% | 6,095 |
| Noninterest expense to average assets | 2.9595% | 2,673 |
| Loan and lease loss provision to assets | 0.0045% | 4,302 |
| Net operating income to assets | 2.7917% | 103 |
| Return on assets (ROA) | 2.7917% | 103 |
| Pretax return on assets | 2.7917% | 138 |
| Return on Equity (ROE) | 17.2133% | 437 |
| Retained earnings to average equity (ytd only) | 4.1930% | 3,003 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4186% | 5,671 |
| Assets per employee ($millions) | 5.8846% | 1,478 |
| Cash dividends to net income (ytd only)* | 75.6410% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 5,365 |
| Loan loss allowance to noncurrent loans | 221.8750% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 3,346 |
| Noncurrent loans to loans | 0.3682% | 4,127 |
| Net loans and leases to total assets | 91.5415% | 30 |
| Net loans and leases to deposits | 134.4534% | 30 |
| Net loans and leases to core deposits | 145.0571% | 137 |
| Total domestic deposits to total assets | 68.0842% | 5,970 |
| Equity capital to assets | 15.7338% | 556 |
| Core capital (leverage) ratio | 15.8428% | 483 |
| Tier 1 risk-based capital ratio | 28.4578% | 579 |
| Total risk-based capital ratio | 29.7103% | 568 |
| Memoranda: | ||
| Average total assets | $44,704,000 | 5,665 |
| Average earning assets | $43,696,600 | 5,589 |
| Average equity | $7,250,200 | 5,201 |
| Average total loans | $41,288,000 | 4,956 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2729% | 97 |
| Cost of funding earning assets | 0.3990% | 3,235 |
| Net interest margin | 5.8739% | 82 |
| Noninterest income to average assets | 0.0091% | 6,172 |
| Noninterest expense to average assets | 2.9773% | 2,593 |
| Loan and lease loss provision to assets | 0.0061% | 4,143 |
| Net operating income to assets | 2.7657% | 111 |
| Return on assets (ROA) | 2.7657% | 111 |
| Pretax return on assets | 2.7657% | 153 |
| Return on Equity (ROE) | 16.9182% | 474 |
| Retained earnings to average equity (ytd only) | 4.3821% | 3,356 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7876% | 5,666 |
| Assets per employee ($millions) | 5.7434% | 1,553 |
| Cash dividends to net income (ytd only)* | 74.0985% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 5,418 |
| Loan loss allowance to noncurrent loans | 221.8750% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 3,485 |
| Noncurrent loans to loans | 0.3777% | 4,258 |
| Net loans and leases to total assets | 91.4314% | 36 |
| Net loans and leases to deposits | 136.4050% | 23 |
| Net loans and leases to core deposits | 146.3508% | 127 |
| Total domestic deposits to total assets | 67.0294% | 6,067 |
| Equity capital to assets | 15.9749% | 565 |
| Core capital (leverage) ratio | 16.0926% | 479 |
| Tier 1 risk-based capital ratio | 28.6484% | 586 |
| Total risk-based capital ratio | 29.9013% | 578 |
| Memoranda: | ||
| Average total assets | $44,110,750 | 5,756 |
| Average earning assets | $43,105,000 | 5,675 |
| Average equity | $7,211,000 | 5,278 |
| Average total loans | $40,747,500 | 5,030 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2179% | 103 |
| Cost of funding earning assets | 0.4233% | 3,006 |
| Net interest margin | 5.7946% | 85 |
| Noninterest income to average assets | 0.0092% | 6,248 |
| Noninterest expense to average assets | 3.0484% | 2,402 |
| Loan and lease loss provision to assets | 0.0092% | 3,924 |
| Net operating income to assets | 2.6162% | 147 |
| Return on assets (ROA) | 2.6162% | 153 |
| Pretax return on assets | 2.6162% | 213 |
| Return on Equity (ROE) | 15.8761% | 621 |
| Retained earnings to average equity (ytd only) | 3.7667% | 3,607 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7277% | 5,609 |
| Assets per employee ($millions) | 5.5945% | 1,662 |
| Cash dividends to net income (ytd only)* | 76.2742% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 5,431 |
| Loan loss allowance to noncurrent loans | 135.4962% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.8401% | 2,878 |
| Noncurrent loans to loans | 0.6363% | 3,566 |
| Net loans and leases to total assets | 91.2101% | 39 |
| Net loans and leases to deposits | 137.5729% | 27 |
| Net loans and leases to core deposits | 148.0077% | 121 |
| Total domestic deposits to total assets | 66.2995% | 6,161 |
| Equity capital to assets | 16.1744% | 506 |
| Core capital (leverage) ratio | 16.1560% | 447 |
| Tier 1 risk-based capital ratio | 28.5720% | 610 |
| Total risk-based capital ratio | 29.8232% | 603 |
| Memoranda: | ||
| Average total assets | $43,498,670 | 5,830 |
| Average earning assets | $42,522,670 | 5,755 |
| Average equity | $7,168,000 | 5,326 |
| Average total loans | $40,208,330 | 5,095 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2399% | 101 |
| Cost of funding earning assets | 0.4198% | 3,079 |
| Net interest margin | 5.8201% | 84 |
| Noninterest income to average assets | 0.0093% | 6,315 |
| Noninterest expense to average assets | 3.1164% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.5846% | 135 |
| Return on assets (ROA) | 2.5846% | 145 |
| Pretax return on assets | 2.5846% | 213 |
| Return on Equity (ROE) | 15.5345% | 630 |
| Retained earnings to average equity (ytd only) | 3.2527% | 4,037 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6645% | 5,623 |
| Assets per employee ($millions) | 5.4418% | 1,845 |
| Cash dividends to net income (ytd only)* | 79.0614% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 5,473 |
| Loan loss allowance to noncurrent loans | 201.7143% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 3,495 |
| Noncurrent loans to loans | 0.4399% | 4,278 |
| Net loans and leases to total assets | 90.5752% | 46 |
| Net loans and leases to deposits | 133.7506% | 28 |
| Net loans and leases to core deposits | 143.9666% | 130 |
| Total domestic deposits to total assets | 67.7195% | 6,208 |
| Equity capital to assets | 16.4515% | 490 |
| Core capital (leverage) ratio | 16.6752% | 395 |
| Tier 1 risk-based capital ratio | 29.1802% | 585 |
| Total risk-based capital ratio | 30.4311% | 572 |
| Memoranda: | ||
| Average total assets | $42,870,000 | 5,897 |
| Average earning assets | $41,924,000 | 5,818 |
| Average equity | $7,132,500 | 5,378 |
| Average total loans | $39,724,000 | 5,149 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7686% | 78 |
| Cost of funding earning assets | 0.4161% | 3,522 |
| Net interest margin | 6.3525% | 69 |
| Noninterest income to average assets | 0.0764% | 6,225 |
| Noninterest expense to average assets | 2.9705% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 3.2786% | 80 |
| Return on assets (ROA) | 3.2786% | 80 |
| Pretax return on assets | 3.2786% | 93 |
| Return on Equity (ROE) | 19.1279% | 304 |
| Retained earnings to average equity (ytd only) | 4.5015% | 2,970 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5345% | 6,205 |
| Assets per employee ($millions) | 5.2758% | 1,990 |
| Cash dividends to net income (ytd only)* | 76.4662% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 5,506 |
| Loan loss allowance to noncurrent loans | 122.1453% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 3,521 |
| Noncurrent loans to loans | 0.7286% | 3,500 |
| Net loans and leases to total assets | 93.1408% | 15 |
| Net loans and leases to deposits | 140.4566% | 23 |
| Net loans and leases to core deposits | 143.5389% | 141 |
| Total domestic deposits to total assets | 66.3128% | 6,319 |
| Equity capital to assets | 16.8294% | 438 |
| Core capital (leverage) ratio | 16.8294% | 384 |
| Tier 1 risk-based capital ratio | 29.2690% | 541 |
| Total risk-based capital ratio | 30.5217% | 531 |
| Memoranda: | ||
| Average total assets | $40,566,200 | 6,024 |
| Average earning assets | $39,417,600 | 5,937 |
| Average equity | $6,953,200 | 5,427 |
| Average total loans | $37,620,600 | 5,274 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4232% | 97 |
| Cost of funding earning assets | 0.4177% | 3,601 |
| Net interest margin | 6.0055% | 85 |
| Noninterest income to average assets | 0.4316% | 4,007 |
| Noninterest expense to average assets | 2.9484% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 3.3070% | 82 |
| Return on assets (ROA) | 3.3070% | 84 |
| Pretax return on assets | 3.3070% | 98 |
| Return on Equity (ROE) | 19.2021% | 332 |
| Retained earnings to average equity (ytd only) | 4.2221% | 3,647 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1338% | 6,240 |
| Assets per employee ($millions) | 5.1725% | 2,046 |
| Cash dividends to net income (ytd only)* | 78.0116% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 5,536 |
| Loan loss allowance to noncurrent loans | 128.8321% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 2,832 |
| Noncurrent loans to loans | 0.7142% | 3,826 |
| Net loans and leases to total assets | 91.8632% | 31 |
| Net loans and leases to deposits | 131.1426% | 40 |
| Net loans and leases to core deposits | 133.9193% | 192 |
| Total domestic deposits to total assets | 70.0483% | 6,285 |
| Equity capital to assets | 16.9381% | 432 |
| Core capital (leverage) ratio | 16.9381% | 380 |
| Tier 1 risk-based capital ratio | 29.2615% | 563 |
| Total risk-based capital ratio | 30.5139% | 549 |
| Memoranda: | ||
| Average total assets | $40,156,250 | 6,108 |
| Average earning assets | $38,941,000 | 6,024 |
| Average equity | $6,915,750 | 5,485 |
| Average total loans | $37,109,750 | 5,339 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6147% | 84 |
| Cost of funding earning assets | 0.4209% | 3,649 |
| Net interest margin | 6.1938% | 75 |
| Noninterest income to average assets | 0.4629% | 3,764 |
| Noninterest expense to average assets | 2.8479% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 3.6127% | 69 |
| Return on assets (ROA) | 3.6127% | 70 |
| Pretax return on assets | 3.6127% | 83 |
| Return on Equity (ROE) | 20.8579% | 248 |
| Retained earnings to average equity (ytd only) | 4.2123% | 3,488 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0810% | 6,416 |
| Assets per employee ($millions) | 5.1213% | 2,061 |
| Cash dividends to net income (ytd only)* | 79.8050% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 5,602 |
| Loan loss allowance to noncurrent loans | 220.6250% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7957% | 3,576 |
| Noncurrent loans to loans | 0.4263% | 4,716 |
| Net loans and leases to total assets | 90.7493% | 39 |
| Net loans and leases to deposits | 134.9840% | 27 |
| Net loans and leases to core deposits | 137.9950% | 149 |
| Total domestic deposits to total assets | 67.2297% | 6,450 |
| Equity capital to assets | 16.9295% | 424 |
| Core capital (leverage) ratio | 16.9295% | 365 |
| Tier 1 risk-based capital ratio | 29.1441% | 568 |
| Total risk-based capital ratio | 30.3626% | 557 |
| Memoranda: | ||
| Average total assets | $39,748,330 | 6,178 |
| Average earning assets | $38,490,000 | 6,091 |
| Average equity | $6,884,670 | 5,513 |
| Average total loans | $36,691,000 | 5,389 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9334% | 70 |
| Cost of funding earning assets | 0.4122% | 3,835 |
| Net interest margin | 6.5212% | 63 |
| Noninterest income to average assets | 0.6541% | 2,439 |
| Noninterest expense to average assets | 2.9128% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 4.0473% | 64 |
| Return on assets (ROA) | 4.0473% | 66 |
| Pretax return on assets | 4.0473% | 87 |
| Return on Equity (ROE) | 23.0937% | 172 |
| Retained earnings to average equity (ytd only) | 8.0478% | 1,578 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8502% | 6,556 |
| Assets per employee ($millions) | 5.6901% | 1,544 |
| Cash dividends to net income (ytd only)* | 65.1515% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 5,683 |
| Loan loss allowance to noncurrent loans | 196.1111% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8787% | 3,535 |
| Noncurrent loans to loans | 0.4870% | 4,698 |
| Net loans and leases to total assets | 91.9008% | 17 |
| Net loans and leases to deposits | 139.7564% | 26 |
| Net loans and leases to core deposits | 143.0386% | 115 |
| Total domestic deposits to total assets | 65.7578% | 6,561 |
| Equity capital to assets | 17.3935% | 359 |
| Core capital (leverage) ratio | 17.3935% | 333 |
| Tier 1 risk-based capital ratio | 29.3995% | 551 |
| Total risk-based capital ratio | 30.6471% | 546 |
| Memoranda: | ||
| Average total assets | $39,137,500 | 6,255 |
| Average earning assets | $37,846,000 | 6,178 |
| Average equity | $6,859,000 | 5,555 |
| Average total loans | $36,270,000 | 5,453 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7855% | 71 |
| Cost of funding earning assets | 0.4327% | 4,292 |
| Net interest margin | 6.3527% | 60 |
| Noninterest income to average assets | 0.1695% | 6,069 |
| Noninterest expense to average assets | 3.7203% | 1,255 |
| Loan and lease loss provision to assets | -0.1973% | 6,596 |
| Net operating income to assets | 2.7645% | 129 |
| Return on assets (ROA) | 2.7645% | 131 |
| Pretax return on assets | 2.7645% | 153 |
| Return on Equity (ROE) | 14.8881% | 787 |
| Retained earnings to average equity (ytd only) | 0.5836% | 5,578 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1692% | 5,580 |
| Assets per employee ($millions) | 5.4920% | 1,658 |
| Cash dividends to net income (ytd only)* | 96.0804% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 5,599 |
| Loan loss allowance to noncurrent loans | 221.2500% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 1.4098% | 2,631 |
| Noncurrent loans to loans | 0.4497% | 4,872 |
| Net loans and leases to total assets | 91.6346% | 22 |
| Net loans and leases to deposits | 144.2529% | 20 |
| Net loans and leases to core deposits | 145.7509% | 113 |
| Total domestic deposits to total assets | 63.5236% | 6,677 |
| Equity capital to assets | 17.6621% | 338 |
| Core capital (leverage) ratio | 17.6621% | 318 |
| Tier 1 risk-based capital ratio | 29.9898% | 500 |
| Total risk-based capital ratio | 31.2442% | 496 |
| Memoranda: | ||
| Average total assets | $35,991,800 | 6,391 |
| Average earning assets | $34,662,400 | 6,331 |
| Average equity | $6,683,200 | 5,649 |
| Average total loans | $33,098,600 | 5,618 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6833% | 82 |
| Cost of funding earning assets | 0.4380% | 4,409 |
| Net interest margin | 6.2453% | 64 |
| Noninterest income to average assets | 0.1244% | 6,402 |
| Noninterest expense to average assets | 3.8591% | 1,015 |
| Loan and lease loss provision to assets | -0.2676% | 6,760 |
| Net operating income to assets | 2.5514% | 162 |
| Return on assets (ROA) | 2.5514% | 170 |
| Pretax return on assets | 2.5514% | 232 |
| Return on Equity (ROE) | 13.5603% | 1,110 |
| Retained earnings to average equity (ytd only) | -1.7427% | 6,232 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8221% | 5,012 |
| Assets per employee ($millions) | 5.9678% | 1,262 |
| Cash dividends to net income (ytd only)* | 112.8512% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,479 |
| Loan loss allowance to noncurrent loans | 46.4474% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 2.7564% | 1,361 |
| Noncurrent loans to loans | 2.2848% | 1,917 |
| Net loans and leases to total assets | 91.9094% | 17 |
| Net loans and leases to deposits | 141.1719% | 21 |
| Net loans and leases to core deposits | 142.7085% | 114 |
| Total domestic deposits to total assets | 65.1046% | 6,723 |
| Equity capital to assets | 18.6109% | 285 |
| Core capital (leverage) ratio | 18.6109% | 252 |
| Tier 1 risk-based capital ratio | 31.5575% | 452 |
| Total risk-based capital ratio | 32.8550% | 446 |
| Memoranda: | ||
| Average total assets | $35,378,750 | 6,476 |
| Average earning assets | $34,094,250 | 6,417 |
| Average equity | $6,656,500 | 5,733 |
| Average total loans | $32,477,750 | 5,703 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7368% | 75 |
| Cost of funding earning assets | 0.4354% | 4,602 |
| Net interest margin | 6.3014% | 63 |
| Noninterest income to average assets | 0.0624% | 6,632 |
| Noninterest expense to average assets | 3.8086% | 1,079 |
| Loan and lease loss provision to assets | -0.2895% | 6,827 |
| Net operating income to assets | 2.6223% | 150 |
| Return on assets (ROA) | 2.6223% | 161 |
| Pretax return on assets | 2.6223% | 240 |
| Return on Equity (ROE) | 13.8864% | 1,033 |
| Retained earnings to average equity (ytd only) | -4.2381% | 6,414 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0148% | 5,169 |
| Assets per employee ($millions) | 5.9982% | 1,202 |
| Cash dividends to net income (ytd only)* | 130.5195% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,173 |
| Loan loss allowance to noncurrent loans | 45.8795% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 2.8064% | 1,472 |
| Noncurrent loans to loans | 2.5409% | 1,816 |
| Net loans and leases to total assets | 87.8685% | 93 |
| Net loans and leases to deposits | 136.7067% | 29 |
| Net loans and leases to core deposits | 138.2003% | 142 |
| Total domestic deposits to total assets | 64.2752% | 6,790 |
| Equity capital to assets | 18.3667% | 292 |
| Core capital (leverage) ratio | 18.3667% | 261 |
| Tier 1 risk-based capital ratio | 32.2423% | 432 |
| Total risk-based capital ratio | 33.4862% | 427 |
| Memoranda: | ||
| Average total assets | $35,236,000 | 6,526 |
| Average earning assets | $33,992,330 | 6,464 |
| Average equity | $6,654,000 | 5,771 |
| Average total loans | $32,216,000 | 5,746 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9996% | 62 |
| Cost of funding earning assets | 0.4285% | 4,827 |
| Net interest margin | 6.5710% | 56 |
| Noninterest income to average assets | -0.1377% | 6,931 |
| Noninterest expense to average assets | 3.7981% | 1,114 |
| Loan and lease loss provision to assets | -0.5852% | 6,966 |
| Net operating income to assets | 2.9834% | 107 |
| Return on assets (ROA) | 2.9834% | 114 |
| Pretax return on assets | 2.9834% | 158 |
| Return on Equity (ROE) | 15.5782% | 668 |
| Retained earnings to average equity (ytd only) | -8.9874% | 6,575 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2963% | 5,409 |
| Assets per employee ($millions) | 4.2945% | 3,351 |
| Cash dividends to net income (ytd only)* | 157.6923% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 5,277 |
| Loan loss allowance to noncurrent loans | 132.2695% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 1.3971% | 3,175 |
| Noncurrent loans to loans | 0.8896% | 4,359 |
| Net loans and leases to total assets | 91.1806% | 25 |
| Net loans and leases to deposits | 146.2260% | 24 |
| Net loans and leases to core deposits | 147.9526% | 100 |
| Total domestic deposits to total assets | 62.3559% | 6,893 |
| Equity capital to assets | 19.2135% | 252 |
| Core capital (leverage) ratio | 19.2135% | 227 |
| Tier 1 risk-based capital ratio | 32.4294% | 433 |
| Total risk-based capital ratio | 33.6821% | 425 |
| Memoranda: | ||
| Average total assets | $34,859,500 | 6,596 |
| Average earning assets | $33,602,000 | 6,540 |
| Average equity | $6,676,000 | 5,822 |
| Average total loans | $32,326,000 | 5,783 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6400% | 55 |
| Cost of funding earning assets | 0.5356% | 4,948 |
| Net interest margin | 7.1044% | 50 |
| Noninterest income to average assets | -0.0054% | 6,844 |
| Noninterest expense to average assets | 3.4724% | 1,891 |
| Loan and lease loss provision to assets | 0.2220% | 2,911 |
| Net operating income to assets | 3.1487% | 92 |
| Return on assets (ROA) | 3.1487% | 93 |
| Pretax return on assets | 3.1487% | 125 |
| Return on Equity (ROE) | 18.6819% | 384 |
| Retained earnings to average equity (ytd only) | 11.3965% | 395 |
| Net charge-offs to loans | 0.0566% | 5,132 |
| Credit loss provision to net charge-offs | 415.0000% | 583 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 570 |
| Efficiency ratio | 50.7428% | 6,538 |
| Assets per employee ($millions) | 4.4204% | 3,107 |
| Cash dividends to net income (ytd only)* | 38.9975% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 4,721 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 2.0106% | 2,440 |
| Noncurrent loans to loans | 1.2836% | 3,693 |
| Net loans and leases to total assets | 91.9888% | 21 |
| Net loans and leases to deposits | 148.8992% | 24 |
| Net loans and leases to core deposits | 148.8992% | 109 |
| Total domestic deposits to total assets | 61.7793% | 6,956 |
| Equity capital to assets | 19.0906% | 265 |
| Core capital (leverage) ratio | 19.0906% | 229 |
| Tier 1 risk-based capital ratio | 31.3898% | 454 |
| Total risk-based capital ratio | 32.6917% | 444 |
| Memoranda: | ||
| Average total assets | $37,380,600 | 6,574 |
| Average earning assets | $36,034,000 | 6,500 |
| Average equity | $6,300,200 | 5,941 |
| Average total loans | $35,319,200 | 5,708 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5713% | 57 |
| Cost of funding earning assets | 0.5510% | 5,082 |
| Net interest margin | 7.0203% | 50 |
| Noninterest income to average assets | -0.0915% | 7,021 |
| Noninterest expense to average assets | 3.3398% | 2,157 |
| Loan and lease loss provision to assets | 0.1584% | 3,530 |
| Net operating income to assets | 3.1815% | 91 |
| Return on assets (ROA) | 3.1815% | 95 |
| Pretax return on assets | 3.1815% | 133 |
| Return on Equity (ROE) | 19.4796% | 368 |
| Retained earnings to average equity (ytd only) | 9.5675% | 1,038 |
| Net charge-offs to loans | 0.0743% | 4,666 |
| Credit loss provision to net charge-offs | 225.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 47.4428% | 781 |
| Efficiency ratio | 50.0000% | 6,588 |
| Assets per employee ($millions) | 4.6065% | 2,738 |
| Cash dividends to net income (ytd only)* | 50.8853% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 5,800 |
| Loan loss allowance to noncurrent loans | 78.7500% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 2.1519% | 2,490 |
| Noncurrent loans to loans | 1.3709% | 3,732 |
| Net loans and leases to total assets | 93.9868% | 13 |
| Net loans and leases to deposits | 141.9276% | 27 |
| Net loans and leases to core deposits | 141.9276% | 132 |
| Total domestic deposits to total assets | 66.2216% | 6,975 |
| Equity capital to assets | 17.5757% | 393 |
| Core capital (leverage) ratio | 17.5757% | 326 |
| Tier 1 risk-based capital ratio | 28.0888% | 652 |
| Total risk-based capital ratio | 29.3855% | 632 |
| Memoranda: | ||
| Average total assets | $37,885,000 | 6,641 |
| Average earning assets | $36,540,500 | 6,560 |
| Average equity | $6,187,500 | 6,039 |
| Average total loans | $35,910,750 | 5,756 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4109% | 63 |
| Cost of funding earning assets | 0.5692% | 5,155 |
| Net interest margin | 6.8417% | 57 |
| Noninterest income to average assets | -0.0471% | 7,053 |
| Noninterest expense to average assets | 3.3691% | 2,105 |
| Loan and lease loss provision to assets | 0.8841% | 533 |
| Net operating income to assets | 2.3019% | 237 |
| Return on assets (ROA) | 2.3019% | 266 |
| Pretax return on assets | 2.3019% | 410 |
| Return on Equity (ROE) | 14.4475% | 1,020 |
| Retained earnings to average equity (ytd only) | 4.2358% | 3,794 |
| Net charge-offs to loans | 0.1105% | 4,077 |
| Credit loss provision to net charge-offs | 845.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 30.4500% | 1,056 |
| Efficiency ratio | 51.3966% | 6,548 |
| Assets per employee ($millions) | 4.8429% | 2,369 |
| Cash dividends to net income (ytd only)* | 70.6818% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,480 |
| Loan loss allowance to noncurrent loans | 45.0841% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 3.9104% | 1,327 |
| Noncurrent loans to loans | 3.1008% | 1,896 |
| Net loans and leases to total assets | 92.6645% | 17 |
| Net loans and leases to deposits | 140.2602% | 26 |
| Net loans and leases to core deposits | 140.2602% | 145 |
| Total domestic deposits to total assets | 66.0661% | 7,046 |
| Equity capital to assets | 15.9048% | 600 |
| Core capital (leverage) ratio | 15.9048% | 471 |
| Tier 1 risk-based capital ratio | 24.6559% | 935 |
| Total risk-based capital ratio | 25.8763% | 928 |
| Memoranda: | ||
| Average total assets | $38,229,330 | 6,677 |
| Average earning assets | $36,891,670 | 6,589 |
| Average equity | $6,091,000 | 6,092 |
| Average total loans | $36,209,670 | 5,778 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6340% | 60 |
| Cost of funding earning assets | 0.5998% | 5,130 |
| Net interest margin | 7.0342% | 55 |
| Noninterest income to average assets | 0.0211% | 7,044 |
| Noninterest expense to average assets | 3.2023% | 2,587 |
| Loan and lease loss provision to assets | 1.4221% | 250 |
| Net operating income to assets | 2.1911% | 298 |
| Return on assets (ROA) | 2.1911% | 352 |
| Pretax return on assets | 2.1911% | 545 |
| Return on Equity (ROE) | 13.7396% | 1,241 |
| Retained earnings to average equity (ytd only) | 2.9725% | 4,768 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9861% | 6,853 |
| Assets per employee ($millions) | 4.7883% | 2,526 |
| Cash dividends to net income (ytd only)* | 78.3654% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 4,800 |
| Loan loss allowance to noncurrent loans | 38.0769% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 3.6287% | 1,563 |
| Noncurrent loans to loans | 3.5461% | 1,752 |
| Net loans and leases to total assets | 94.4108% | 6 |
| Net loans and leases to deposits | 138.3194% | 30 |
| Net loans and leases to core deposits | 138.3194% | 157 |
| Total domestic deposits to total assets | 68.2556% | 7,044 |
| Equity capital to assets | 15.8670% | 594 |
| Core capital (leverage) ratio | 15.8670% | 484 |
| Tier 1 risk-based capital ratio | 23.9612% | 1,011 |
| Total risk-based capital ratio | 25.2582% | 992 |
| Memoranda: | ||
| Average total assets | $37,972,500 | 6,736 |
| Average earning assets | $36,678,000 | 6,654 |
| Average equity | $6,055,500 | 6,133 |
| Average total loans | $36,109,500 | 5,822 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6867% | 61 |
| Cost of funding earning assets | 0.6983% | 5,555 |
| Net interest margin | 6.9884% | 53 |
| Noninterest income to average assets | 0.0298% | 6,903 |
| Noninterest expense to average assets | 2.7857% | 4,398 |
| Loan and lease loss provision to assets | 0.0840% | 5,560 |
| Net operating income to assets | 3.6908% | 56 |
| Return on assets (ROA) | 3.6908% | 57 |
| Pretax return on assets | 3.8588% | 78 |
| Return on Equity (ROE) | 23.5477% | 147 |
| Retained earnings to average equity (ytd only) | 7.7282% | 1,180 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4015% | 7,182 |
| Assets per employee ($millions) | 4.7049% | 2,595 |
| Cash dividends to net income (ytd only)* | 67.1806% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,155 |
| Loan loss allowance to noncurrent loans | 31.7741% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 4.1792% | 1,353 |
| Noncurrent loans to loans | 3.1863% | 2,034 |
| Net loans and leases to total assets | 93.5174% | 11 |
| Net loans and leases to deposits | 149.8595% | 29 |
| Net loans and leases to core deposits | 149.8595% | 135 |
| Total domestic deposits to total assets | 62.4034% | 7,200 |
| Equity capital to assets | 16.0286% | 572 |
| Core capital (leverage) ratio | 16.0286% | 460 |
| Tier 1 risk-based capital ratio | 23.6116% | 1,009 |
| Total risk-based capital ratio | 24.8640% | 994 |
| Memoranda: | ||
| Average total assets | $36,902,200 | 6,767 |
| Average earning assets | $35,373,000 | 6,700 |
| Average equity | $5,784,000 | 6,210 |
| Average total loans | $34,750,200 | 5,924 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8343% | 57 |
| Cost of funding earning assets | 0.7277% | 5,611 |
| Net interest margin | 7.1066% | 46 |
| Noninterest income to average assets | 0.0109% | 7,075 |
| Noninterest expense to average assets | 2.8251% | 4,251 |
| Loan and lease loss provision to assets | 0.0109% | 6,294 |
| Net operating income to assets | 3.8200% | 59 |
| Return on assets (ROA) | 3.8200% | 63 |
| Pretax return on assets | 3.9834% | 86 |
| Return on Equity (ROE) | 24.5140% | 149 |
| Retained earnings to average equity (ytd only) | 6.6179% | 2,191 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4271% | 7,225 |
| Assets per employee ($millions) | 4.5816% | 2,786 |
| Cash dividends to net income (ytd only)* | 73.0036% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 6,411 |
| Loan loss allowance to noncurrent loans | 62.5235% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.6492% | 2,442 |
| Noncurrent loans to loans | 1.5410% | 3,971 |
| Net loans and leases to total assets | 93.1056% | 14 |
| Net loans and leases to deposits | 152.8806% | 24 |
| Net loans and leases to core deposits | 152.8806% | 129 |
| Total domestic deposits to total assets | 60.9009% | 7,288 |
| Equity capital to assets | 16.0123% | 624 |
| Core capital (leverage) ratio | 16.0123% | 502 |
| Tier 1 risk-based capital ratio | 23.5674% | 1,062 |
| Total risk-based capital ratio | 24.8203% | 1,045 |
| Memoranda: | ||
| Average total assets | $36,718,000 | 6,835 |
| Average earning assets | $35,177,750 | 6,768 |
| Average equity | $5,721,750 | 6,271 |
| Average total loans | $34,548,000 | 5,992 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9112% | 58 |
| Cost of funding earning assets | 0.7553% | 5,640 |
| Net interest margin | 7.1558% | 51 |
| Noninterest income to average assets | 0.0163% | 7,156 |
| Noninterest expense to average assets | 2.9233% | 3,929 |
| Loan and lease loss provision to assets | -0.0381% | 7,394 |
| Net operating income to assets | 3.8269% | 68 |
| Return on assets (ROA) | 3.8269% | 70 |
| Pretax return on assets | 3.9902% | 95 |
| Return on Equity (ROE) | 24.7855% | 145 |
| Retained earnings to average equity (ytd only) | 7.7212% | 1,569 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5178% | 7,287 |
| Assets per employee ($millions) | 4.5230% | 2,798 |
| Cash dividends to net income (ytd only)* | 68.8478% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 6,523 |
| Loan loss allowance to noncurrent loans | 60.1869% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 2.4818% | 2,689 |
| Noncurrent loans to loans | 1.5728% | 4,045 |
| Net loans and leases to total assets | 93.1157% | 12 |
| Net loans and leases to deposits | 141.7340% | 39 |
| Net loans and leases to core deposits | 141.7340% | 178 |
| Total domestic deposits to total assets | 65.6975% | 7,266 |
| Equity capital to assets | 16.0402% | 607 |
| Core capital (leverage) ratio | 16.0402% | 502 |
| Tier 1 risk-based capital ratio | 20.9100% | 1,440 |
| Total risk-based capital ratio | 22.0701% | 1,429 |
| Memoranda: | ||
| Average total assets | $36,739,670 | 6,893 |
| Average earning assets | $35,216,000 | 6,830 |
| Average equity | $5,672,670 | 6,325 |
| Average total loans | $34,578,000 | 6,046 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9712% | 59 |
| Cost of funding earning assets | 0.7780% | 5,684 |
| Net interest margin | 7.1933% | 51 |
| Noninterest income to average assets | -0.0864% | 7,380 |
| Noninterest expense to average assets | 2.7014% | 4,831 |
| Loan and lease loss provision to assets | -0.0540% | 7,473 |
| Net operating income to assets | 3.9873% | 76 |
| Return on assets (ROA) | 3.9873% | 79 |
| Pretax return on assets | 4.1602% | 100 |
| Return on Equity (ROE) | 26.3242% | 132 |
| Retained earnings to average equity (ytd only) | 3.0676% | 4,324 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6825% | 7,396 |
| Assets per employee ($millions) | 4.5959% | 2,737 |
| Cash dividends to net income (ytd only)* | 88.3469% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 6,626 |
| Loan loss allowance to noncurrent loans | 80.3483% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 2.3010% | 2,947 |
| Noncurrent loans to loans | 1.1560% | 4,767 |
| Net loans and leases to total assets | 93.7036% | 12 |
| Net loans and leases to deposits | 143.5919% | 40 |
| Net loans and leases to core deposits | 143.5919% | 176 |
| Total domestic deposits to total assets | 65.2569% | 7,348 |
| Equity capital to assets | 15.3099% | 701 |
| Core capital (leverage) ratio | 15.3099% | 605 |
| Tier 1 risk-based capital ratio | 22.8710% | 1,099 |
| Total risk-based capital ratio | 24.1224% | 1,084 |
| Memoranda: | ||
| Average total assets | $37,017,500 | 6,934 |
| Average earning assets | $35,477,500 | 6,861 |
| Average equity | $5,607,000 | 6,363 |
| Average total loans | $34,859,500 | 6,087 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9887% | 59 |
| Cost of funding earning assets | 1.0842% | 5,226 |
| Net interest margin | 6.9045% | 54 |
| Noninterest income to average assets | 0.0293% | 7,198 |
| Noninterest expense to average assets | 2.9246% | 4,129 |
| Loan and lease loss provision to assets | 0.1025% | 6,119 |
| Net operating income to assets | 3.4398% | 53 |
| Return on assets (ROA) | 3.4398% | 56 |
| Pretax return on assets | 3.5832% | 84 |
| Return on Equity (ROE) | 22.3631% | 158 |
| Retained earnings to average equity (ytd only) | 9.6875% | 574 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2427% | 7,409 |
| Assets per employee ($millions) | 4.6585% | 2,611 |
| Cash dividends to net income (ytd only)* | 56.6809% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 6,611 |
| Loan loss allowance to noncurrent loans | 45.2414% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 3.2172% | 2,198 |
| Noncurrent loans to loans | 2.0747% | 3,457 |
| Net loans and leases to total assets | 92.8840% | 23 |
| Net loans and leases to deposits | 139.1430% | 45 |
| Net loans and leases to core deposits | 139.1430% | 233 |
| Total domestic deposits to total assets | 66.7543% | 7,368 |
| Equity capital to assets | 14.9860% | 791 |
| Core capital (leverage) ratio | 14.9860% | 668 |
| Tier 1 risk-based capital ratio | 21.4026% | 1,261 |
| Total risk-based capital ratio | 22.6518% | 1,237 |
| Memoranda: | ||
| Average total assets | $34,159,000 | 7,070 |
| Average earning assets | $32,558,400 | 6,997 |
| Average equity | $5,254,200 | 6,576 |
| Average total loans | $32,113,000 | 6,308 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9854% | 61 |
| Cost of funding earning assets | 1.1540% | 5,123 |
| Net interest margin | 6.8315% | 55 |
| Noninterest income to average assets | 0.0399% | 7,320 |
| Noninterest expense to average assets | 2.8318% | 4,344 |
| Loan and lease loss provision to assets | 0.1598% | 5,440 |
| Net operating income to assets | 3.4030% | 58 |
| Return on assets (ROA) | 3.4030% | 62 |
| Pretax return on assets | 3.5507% | 88 |
| Return on Equity (ROE) | 21.9660% | 199 |
| Retained earnings to average equity (ytd only) | 4.7953% | 3,131 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2845% | 7,488 |
| Assets per employee ($millions) | 4.5034% | 2,905 |
| Cash dividends to net income (ytd only)* | 78.1693% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 6,471 |
| Loan loss allowance to noncurrent loans | 82.4691% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 2.3066% | 3,073 |
| Noncurrent loans to loans | 1.1919% | 4,859 |
| Net loans and leases to total assets | 93.3911% | 16 |
| Net loans and leases to deposits | 141.0083% | 44 |
| Net loans and leases to core deposits | 141.0083% | 250 |
| Total domestic deposits to total assets | 66.2309% | 7,461 |
| Equity capital to assets | 14.6057% | 990 |
| Core capital (leverage) ratio | 14.6057% | 796 |
| Tier 1 risk-based capital ratio | 21.4373% | 1,297 |
| Total risk-based capital ratio | 22.7939% | 1,255 |
| Memoranda: | ||
| Average total assets | $33,381,750 | 7,190 |
| Average earning assets | $31,773,750 | 7,113 |
| Average equity | $5,171,500 | 6,690 |
| Average total loans | $31,405,250 | 6,421 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3550% | 59 |
| Cost of funding earning assets | 1.2685% | 4,723 |
| Net interest margin | 7.0865% | 56 |
| Noninterest income to average assets | 0.0431% | 7,363 |
| Noninterest expense to average assets | 2.9354% | 3,938 |
| Loan and lease loss provision to assets | 0.0862% | 6,062 |
| Net operating income to assets | 3.6123% | 55 |
| Return on assets (ROA) | 3.6123% | 55 |
| Pretax return on assets | 3.7600% | 80 |
| Return on Equity (ROE) | 22.8346% | 179 |
| Retained earnings to average equity (ytd only) | 5.2516% | 2,748 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2849% | 7,544 |
| Assets per employee ($millions) | 4.1945% | 3,393 |
| Cash dividends to net income (ytd only)* | 77.0017% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 6,474 |
| Loan loss allowance to noncurrent loans | 138.2883% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 1.9311% | 3,577 |
| Noncurrent loans to loans | 0.7105% | 5,829 |
| Net loans and leases to total assets | 92.2041% | 28 |
| Net loans and leases to deposits | 137.4317% | 56 |
| Net loans and leases to core deposits | 137.4317% | 315 |
| Total domestic deposits to total assets | 67.0908% | 7,476 |
| Equity capital to assets | 15.5263% | 765 |
| Core capital (leverage) ratio | 15.5263% | 631 |
| Tier 1 risk-based capital ratio | 18.9876% | 1,724 |
| Total risk-based capital ratio | 20.1064% | 1,725 |
| Memoranda: | ||
| Average total assets | $32,500,000 | 7,273 |
| Average earning assets | $30,903,670 | 7,192 |
| Average equity | $5,141,330 | 6,734 |
| Average total loans | $30,547,000 | 6,497 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5424% | 60 |
| Cost of funding earning assets | 1.3689% | 4,365 |
| Net interest margin | 7.1735% | 59 |
| Noninterest income to average assets | 0.0626% | 7,407 |
| Noninterest expense to average assets | 2.9151% | 3,998 |
| Loan and lease loss provision to assets | 0.1501% | 5,044 |
| Net operating income to assets | 3.6657% | 59 |
| Return on assets (ROA) | 3.6657% | 62 |
| Pretax return on assets | 3.8158% | 80 |
| Return on Equity (ROE) | 22.9489% | 234 |
| Retained earnings to average equity (ytd only) | 4.8561% | 3,236 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3636% | 7,667 |
| Assets per employee ($millions) | 4.1314% | 3,596 |
| Cash dividends to net income (ytd only)* | 78.8396% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 6,556 |
| Loan loss allowance to noncurrent loans | 77.4112% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 2.3449% | 3,098 |
| Noncurrent loans to loans | 1.2656% | 4,870 |
| Net loans and leases to total assets | 93.2710% | 23 |
| Net loans and leases to deposits | 151.7151% | 41 |
| Net loans and leases to core deposits | 151.7151% | 233 |
| Total domestic deposits to total assets | 61.4777% | 7,729 |
| Equity capital to assets | 15.5457% | 758 |
| Core capital (leverage) ratio | 15.5457% | 652 |
| Tier 1 risk-based capital ratio | 21.4566% | 1,274 |
| Total risk-based capital ratio | 22.7303% | 1,251 |
| Memoranda: | ||
| Average total assets | $31,972,000 | 7,383 |
| Average earning assets | $30,389,500 | 7,306 |
| Average equity | $5,107,000 | 6,816 |
| Average total loans | $30,197,000 | 6,595 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5408% | 56 |
| Cost of funding earning assets | 1.9282% | 3,316 |
| Net interest margin | 6.6126% | 63 |
| Noninterest income to average assets | -0.0621% | 7,773 |
| Noninterest expense to average assets | 3.1757% | 3,457 |
| Loan and lease loss provision to assets | 0.1139% | 6,505 |
| Net operating income to assets | 2.7339% | 69 |
| Return on assets (ROA) | 2.7339% | 72 |
| Pretax return on assets | 2.8512% | 108 |
| Return on Equity (ROE) | 16.0136% | 556 |
| Retained earnings to average equity (ytd only) | 4.8526% | 1,901 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7144% | 7,409 |
| Assets per employee ($millions) | 3.8616% | 4,118 |
| Cash dividends to net income (ytd only)* | 69.6970% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 6,374 |
| Loan loss allowance to noncurrent loans | 79.8365% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 2.4213% | 2,870 |
| Noncurrent loans to loans | 1.2542% | 4,843 |
| Net loans and leases to total assets | 93.7721% | 15 |
| Net loans and leases to deposits | 151.1242% | 42 |
| Net loans and leases to core deposits | 201.4394% | 99 |
| Total domestic deposits to total assets | 62.0497% | 7,756 |
| Equity capital to assets | 16.4309% | 628 |
| Core capital (leverage) ratio | 16.4309% | 557 |
| Tier 1 risk-based capital ratio | 21.9854% | 1,149 |
| Total risk-based capital ratio | 23.2545% | 1,130 |
| Memoranda: | ||
| Average total assets | $28,969,800 | 7,509 |
| Average earning assets | $27,175,400 | 7,456 |
| Average equity | $4,945,800 | 6,960 |
| Average total loans | $27,093,600 | 6,798 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5251% | 58 |
| Cost of funding earning assets | 2.0637% | 3,059 |
| Net interest margin | 6.4615% | 76 |
| Noninterest income to average assets | -0.0983% | 7,930 |
| Noninterest expense to average assets | 3.2245% | 3,218 |
| Loan and lease loss provision to assets | 0.1544% | 5,807 |
| Net operating income to assets | 2.4336% | 112 |
| Return on assets (ROA) | 2.4336% | 125 |
| Pretax return on assets | 2.5600% | 177 |
| Return on Equity (ROE) | 14.1112% | 905 |
| Retained earnings to average equity (ytd only) | 3.7177% | 3,208 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2947% | 7,208 |
| Assets per employee ($millions) | 3.8748% | 4,008 |
| Cash dividends to net income (ytd only)* | 73.6529% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,175 |
| Loan loss allowance to noncurrent loans | 63.5575% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 2.7163% | 2,560 |
| Noncurrent loans to loans | 1.6021% | 4,233 |
| Net loans and leases to total assets | 91.8801% | 59 |
| Net loans and leases to deposits | 149.0450% | 53 |
| Net loans and leases to core deposits | 188.3539% | 142 |
| Total domestic deposits to total assets | 61.6459% | 7,830 |
| Equity capital to assets | 16.0462% | 784 |
| Core capital (leverage) ratio | 16.0462% | 669 |
| Tier 1 risk-based capital ratio | 20.5063% | 1,455 |
| Total risk-based capital ratio | 21.7142% | 1,423 |
| Memoranda: | ||
| Average total assets | $28,489,000 | 7,590 |
| Average earning assets | $26,618,750 | 7,545 |
| Average equity | $4,913,250 | 7,035 |
| Average total loans | $26,551,500 | 6,879 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4979% | 61 |
| Cost of funding earning assets | 2.1651% | 2,961 |
| Net interest margin | 6.3328% | 78 |
| Noninterest income to average assets | -0.2387% | 8,080 |
| Noninterest expense to average assets | 3.1389% | 3,544 |
| Loan and lease loss provision to assets | 0.0362% | 6,879 |
| Net operating income to assets | 2.4157% | 124 |
| Return on assets (ROA) | 2.4157% | 136 |
| Pretax return on assets | 2.5097% | 211 |
| Return on Equity (ROE) | 13.6522% | 1,048 |
| Retained earnings to average equity (ytd only) | 4.0057% | 3,056 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2163% | 7,204 |
| Assets per employee ($millions) | 3.5776% | 4,628 |
| Cash dividends to net income (ytd only)* | 70.6587% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 6,266 |
| Loan loss allowance to noncurrent loans | 88.0000% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 3.2843% | 1,889 |
| Noncurrent loans to loans | 1.1343% | 4,947 |
| Net loans and leases to total assets | 91.4818% | 72 |
| Net loans and leases to deposits | 127.8529% | 135 |
| Net loans and leases to core deposits | 157.0383% | 495 |
| Total domestic deposits to total assets | 71.5524% | 7,302 |
| Equity capital to assets | 17.2461% | 627 |
| Core capital (leverage) ratio | 17.2461% | 585 |
| Tier 1 risk-based capital ratio | 22.1723% | 1,224 |
| Total risk-based capital ratio | 23.3582% | 1,207 |
| Memoranda: | ||
| Average total assets | $27,652,670 | 7,695 |
| Average earning assets | $25,865,330 | 7,647 |
| Average equity | $4,893,000 | 7,102 |
| Average total loans | $25,810,670 | 6,978 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8085% | 58 |
| Cost of funding earning assets | 2.2294% | 3,013 |
| Net interest margin | 6.5791% | 70 |
| Noninterest income to average assets | -0.0883% | 8,132 |
| Noninterest expense to average assets | 3.0035% | 3,754 |
| Loan and lease loss provision to assets | 0.1178% | 5,462 |
| Net operating income to assets | 2.8857% | 78 |
| Return on assets (ROA) | 2.8857% | 94 |
| Pretax return on assets | 3.0035% | 128 |
| Return on Equity (ROE) | 16.0936% | 806 |
| Retained earnings to average equity (ytd only) | 5.3372% | 2,941 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0385% | 7,665 |
| Assets per employee ($millions) | 3.5188% | 4,771 |
| Cash dividends to net income (ytd only)* | 66.8367% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,043 |
| Loan loss allowance to noncurrent loans | 93.0556% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 2.7105% | 2,095 |
| Noncurrent loans to loans | 1.0949% | 4,797 |
| Net loans and leases to total assets | 92.4902% | 56 |
| Net loans and leases to deposits | 132.6540% | 127 |
| Net loans and leases to core deposits | 162.0061% | 468 |
| Total domestic deposits to total assets | 69.7229% | 7,451 |
| Equity capital to assets | 17.4210% | 679 |
| Core capital (leverage) ratio | 17.4210% | 607 |
| Tier 1 risk-based capital ratio | 21.3924% | 1,390 |
| Total risk-based capital ratio | 22.5615% | 1,369 |
| Memoranda: | ||
| Average total assets | $27,168,500 | 7,761 |
| Average earning assets | $25,657,000 | 7,697 |
| Average equity | $4,871,500 | 7,161 |
| Average total loans | $25,492,500 | 7,028 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4308% | 56 |
| Cost of funding earning assets | 2.6103% | 3,632 |
| Net interest margin | 6.8204% | 61 |
| Noninterest income to average assets | 0.1714% | 7,196 |
| Noninterest expense to average assets | 3.4151% | 2,629 |
| Loan and lease loss provision to assets | 0.0558% | 6,713 |
| Net operating income to assets | 2.8971% | 73 |
| Return on assets (ROA) | 2.8971% | 72 |
| Pretax return on assets | 3.0206% | 98 |
| Return on Equity (ROE) | 15.3027% | 882 |
| Retained earnings to average equity (ytd only) | 3.8730% | 2,716 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6090% | 7,417 |
| Assets per employee ($millions) | 3.2734% | 5,280 |
| Cash dividends to net income (ytd only)* | 74.6905% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 5,597 |
| Loan loss allowance to noncurrent loans | 31.2876% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 4.6283% | 798 |
| Noncurrent loans to loans | 3.3670% | 1,531 |
| Net loans and leases to total assets | 93.2562% | 46 |
| Net loans and leases to deposits | 135.6044% | 144 |
| Net loans and leases to core deposits | 167.3932% | 453 |
| Total domestic deposits to total assets | 68.7708% | 7,402 |
| Equity capital to assets | 18.4786% | 600 |
| Core capital (leverage) ratio | 18.4786% | 559 |
| Tier 1 risk-based capital ratio | 22.0667% | 1,310 |
| Total risk-based capital ratio | 23.2523% | 1,286 |
| Memoranda: | ||
| Average total assets | $25,094,400 | 7,837 |
| Average earning assets | $23,253,600 | 7,813 |
| Average equity | $4,750,800 | 7,228 |
| Average total loans | $23,040,800 | 7,132 |