Home > FNB Washington > Performance and Condition Ratios
FNB Washington, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 4,317 |
| Cost of funding earning assets | 0.6712% | 3,967 |
| Net interest margin | 2.9758% | 3,340 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.7060% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2081% | 1,632 |
| Return on assets (ROA) | 1.2081% | 1,602 |
| Pretax return on assets | 1.2494% | 2,010 |
| Return on Equity (ROE) | 5.5400% | 3,619 |
| Retained earnings to average equity (ytd only) | 2.8864% | 3,316 |
| Net charge-offs to loans | -0.0026% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.7252% | 3,323 |
| Assets per employee ($millions) | 8.7757% | 1,074 |
| Cash dividends to net income (ytd only)* | 47.8632% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4421% | 207 |
| Loan loss allowance to noncurrent loans | 436.4486% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 1,997 |
| Noncurrent loans to loans | 0.5596% | 1,399 |
| Net loans and leases to total assets | 42.5200% | 3,949 |
| Net loans and leases to deposits | 60.4873% | 3,493 |
| Net loans and leases to core deposits | 60.4873% | 3,747 |
| Total domestic deposits to total assets | 70.2900% | 4,280 |
| Equity capital to assets | 22.7047% | 223 |
| Core capital (leverage) ratio | 25.6467% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $87,160,800 | 3,948 |
| Average earning assets | $79,708,800 | 3,936 |
| Average equity | $19,020,400 | 2,939 |
| Average total loans | $37,883,200 | 4,029 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5702% | 4,332 |
| Cost of funding earning assets | 0.6473% | 3,876 |
| Net interest margin | 2.9229% | 3,494 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.6319% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2197% | 1,736 |
| Return on assets (ROA) | 1.2197% | 1,730 |
| Pretax return on assets | 1.2902% | 2,069 |
| Return on Equity (ROE) | 5.6500% | 3,700 |
| Retained earnings to average equity (ytd only) | 3.3414% | 3,433 |
| Net charge-offs to loans | -0.0035% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.8469% | 3,409 |
| Assets per employee ($millions) | 8.5029% | 1,120 |
| Cash dividends to net income (ytd only)* | 40.8291% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3619% | 243 |
| Loan loss allowance to noncurrent loans | 420.7207% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 1,956 |
| Noncurrent loans to loans | 0.5614% | 1,427 |
| Net loans and leases to total assets | 45.4100% | 3,857 |
| Net loans and leases to deposits | 65.3620% | 3,186 |
| Net loans and leases to core deposits | 65.3620% | 3,462 |
| Total domestic deposits to total assets | 69.4700% | 4,338 |
| Equity capital to assets | 22.2277% | 233 |
| Core capital (leverage) ratio | 25.5568% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $87,011,750 | 3,961 |
| Average earning assets | $79,918,250 | 3,947 |
| Average equity | $18,794,250 | 2,950 |
| Average total loans | $37,792,750 | 4,039 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4717% | 4,369 |
| Cost of funding earning assets | 0.6005% | 3,754 |
| Net interest margin | 2.8712% | 3,699 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.6333% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1748% | 1,894 |
| Return on assets (ROA) | 1.1748% | 1,891 |
| Pretax return on assets | 1.2364% | 2,267 |
| Return on Equity (ROE) | 5.4900% | 3,802 |
| Retained earnings to average equity (ytd only) | 2.0257% | 3,719 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.9157% | 3,312 |
| Assets per employee ($millions) | 8.6686% | 1,012 |
| Cash dividends to net income (ytd only)* | 63.1068% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4187% | 246 |
| Loan loss allowance to noncurrent loans | 407.4236% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 1,883 |
| Noncurrent loans to loans | 0.5937% | 1,262 |
| Net loans and leases to total assets | 43.4200% | 3,903 |
| Net loans and leases to deposits | 61.6853% | 3,326 |
| Net loans and leases to core deposits | 61.6853% | 3,548 |
| Total domestic deposits to total assets | 70.3900% | 4,346 |
| Equity capital to assets | 21.5871% | 239 |
| Core capital (leverage) ratio | 24.4362% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $87,672,667 | 3,967 |
| Average earning assets | $80,593,667 | 3,964 |
| Average equity | $18,759,000 | 2,968 |
| Average total loans | $37,209,000 | 4,059 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1933% | 4,492 |
| Cost of funding earning assets | 0.5595% | 3,505 |
| Net interest margin | 2.6339% | 4,172 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.6696% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9301% | 2,754 |
| Return on assets (ROA) | 0.9301% | 2,710 |
| Pretax return on assets | 0.9845% | 3,041 |
| Return on Equity (ROE) | 4.3700% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.3659% | 3,163 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9060% | 2,584 |
| Assets per employee ($millions) | 8.7002% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5634% | 211 |
| Loan loss allowance to noncurrent loans | 1,227.6316% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 2,940 |
| Noncurrent loans to loans | 0.2088% | 2,430 |
| Net loans and leases to total assets | 40.7600% | 4,015 |
| Net loans and leases to deposits | 58.5379% | 3,421 |
| Net loans and leases to core deposits | 58.5379% | 3,609 |
| Total domestic deposits to total assets | 69.6300% | 4,429 |
| Equity capital to assets | 22.0432% | 192 |
| Core capital (leverage) ratio | 25.0468% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $88,166,000 | 4,017 |
| Average earning assets | $80,793,500 | 4,011 |
| Average equity | $18,782,000 | 2,998 |
| Average total loans | $36,526,500 | 4,123 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6119% | 4,457 |
| Cost of funding earning assets | 0.2581% | 3,261 |
| Net interest margin | 2.3539% | 4,389 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.5704% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8152% | 3,272 |
| Return on assets (ROA) | 0.8152% | 3,204 |
| Pretax return on assets | 0.8429% | 3,508 |
| Return on Equity (ROE) | 3.7200% | 4,199 |
| Retained earnings to average equity (ytd only) | 2.5074% | 3,854 |
| Net charge-offs to loans | 0.0137% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 802 |
| Efficiency ratio | 65.0718% | 2,353 |
| Assets per employee ($millions) | 8.9330% | 941 |
| Cash dividends to net income (ytd only)* | 32.5779% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5426% | 205 |
| Loan loss allowance to noncurrent loans | 1,179.7468% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 2,929 |
| Noncurrent loans to loans | 0.2155% | 2,415 |
| Net loans and leases to total assets | 39.9900% | 4,069 |
| Net loans and leases to deposits | 57.1127% | 3,506 |
| Net loans and leases to core deposits | 57.1127% | 3,670 |
| Total domestic deposits to total assets | 70.0200% | 4,474 |
| Equity capital to assets | 20.5821% | 212 |
| Core capital (leverage) ratio | 24.5675% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $86,603,400 | 4,055 |
| Average earning assets | $80,208,600 | 4,031 |
| Average equity | $18,983,800 | 3,040 |
| Average total loans | $36,404,600 | 4,127 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5073% | 4,437 |
| Cost of funding earning assets | 0.1785% | 3,533 |
| Net interest margin | 2.3288% | 4,387 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.6309% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7138% | 3,527 |
| Return on assets (ROA) | 0.7138% | 3,478 |
| Pretax return on assets | 0.7697% | 3,653 |
| Return on Equity (ROE) | 3.2100% | 4,273 |
| Retained earnings to average equity (ytd only) | 1.5958% | 4,122 |
| Net charge-offs to loans | 0.0073% | 1,873 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 539 |
| Efficiency ratio | 67.9379% | 2,037 |
| Assets per employee ($millions) | 8.4821% | 1,075 |
| Cash dividends to net income (ytd only)* | 50.2174% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5203% | 229 |
| Loan loss allowance to noncurrent loans | 1,141.4634% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 2,981 |
| Noncurrent loans to loans | 0.2208% | 2,507 |
| Net loans and leases to total assets | 42.6800% | 3,958 |
| Net loans and leases to deposits | 61.0324% | 3,105 |
| Net loans and leases to core deposits | 61.3427% | 3,276 |
| Total domestic deposits to total assets | 69.9300% | 4,538 |
| Equity capital to assets | 21.0761% | 196 |
| Core capital (leverage) ratio | 25.3250% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $85,921,750 | 4,091 |
| Average earning assets | $79,923,500 | 4,064 |
| Average equity | $19,133,250 | 3,069 |
| Average total loans | $36,341,750 | 4,152 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4049% | 4,457 |
| Cost of funding earning assets | 0.1340% | 3,785 |
| Net interest margin | 2.2709% | 4,360 |
| Noninterest income to average assets | 0.2364% | 3,759 |
| Noninterest expense to average assets | 1.6294% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6722% | 3,408 |
| Return on assets (ROA) | 0.6722% | 3,357 |
| Pretax return on assets | 0.7278% | 3,507 |
| Return on Equity (ROE) | 2.9664% | 4,218 |
| Retained earnings to average equity (ytd only) | 0.6035% | 4,077 |
| Net charge-offs to loans | 0.0111% | 1,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 623 |
| Efficiency ratio | 69.1249% | 2,085 |
| Assets per employee ($millions) | 8.3307% | 1,143 |
| Cash dividends to net income (ytd only)* | 79.6552% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5642% | 236 |
| Loan loss allowance to noncurrent loans | 1,101.1765% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 2,996 |
| Noncurrent loans to loans | 0.2329% | 2,554 |
| Net loans and leases to total assets | 42.6927% | 3,921 |
| Net loans and leases to deposits | 58.8841% | 3,139 |
| Net loans and leases to core deposits | 58.8841% | 3,355 |
| Total domestic deposits to total assets | 72.5029% | 4,573 |
| Equity capital to assets | 22.2058% | 129 |
| Core capital (leverage) ratio | 24.4788% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,288,667 | 4,125 |
| Average earning assets | $80,585,667 | 4,114 |
| Average equity | $19,552,000 | 3,107 |
| Average total loans | $36,076,333 | 4,210 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3512% | 4,418 |
| Cost of funding earning assets | 0.1418% | 3,603 |
| Net interest margin | 2.2095% | 4,338 |
| Noninterest income to average assets | 0.2461% | 3,670 |
| Noninterest expense to average assets | 1.6314% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6197% | 3,329 |
| Return on assets (ROA) | 0.6197% | 3,314 |
| Pretax return on assets | 0.6744% | 3,463 |
| Return on Equity (ROE) | 2.7094% | 4,153 |
| Retained earnings to average equity (ytd only) | 2.2312% | 3,485 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7510% | 2,126 |
| Assets per employee ($millions) | 9.5213% | 771 |
| Cash dividends to net income (ytd only)* | 17.6471% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6764% | 231 |
| Loan loss allowance to noncurrent loans | 1,042.2222% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 3,074 |
| Noncurrent loans to loans | 0.2568% | 2,558 |
| Net loans and leases to total assets | 39.8042% | 4,028 |
| Net loans and leases to deposits | 55.0820% | 3,339 |
| Net loans and leases to core deposits | 55.0820% | 3,519 |
| Total domestic deposits to total assets | 72.2635% | 4,617 |
| Equity capital to assets | 22.6964% | 111 |
| Core capital (leverage) ratio | 23.7711% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,779,500 | 4,125 |
| Average earning assets | $81,829,000 | 4,112 |
| Average equity | $20,078,500 | 3,139 |
| Average total loans | $35,863,500 | 4,236 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7996% | 4,209 |
| Cost of funding earning assets | 0.1592% | 3,878 |
| Net interest margin | 2.6404% | 3,979 |
| Noninterest income to average assets | 0.2474% | 3,890 |
| Noninterest expense to average assets | 1.6537% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9956% | 2,692 |
| Return on assets (ROA) | 0.9956% | 2,759 |
| Pretax return on assets | 1.0436% | 3,144 |
| Return on Equity (ROE) | 3.9629% | 4,224 |
| Retained earnings to average equity (ytd only) | 1.4341% | 4,144 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3090% | 2,966 |
| Assets per employee ($millions) | 8.1697% | 1,234 |
| Cash dividends to net income (ytd only)* | 63.8118% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5573% | 253 |
| Loan loss allowance to noncurrent loans | 1,030.7692% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 3,229 |
| Noncurrent loans to loans | 0.2481% | 2,737 |
| Net loans and leases to total assets | 39.7721% | 4,105 |
| Net loans and leases to deposits | 56.0800% | 3,406 |
| Net loans and leases to core deposits | 56.0800% | 3,612 |
| Total domestic deposits to total assets | 70.9204% | 4,667 |
| Equity capital to assets | 23.0429% | 114 |
| Core capital (leverage) ratio | 23.4927% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,269,800 | 4,174 |
| Average earning assets | $77,262,200 | 4,164 |
| Average equity | $20,918,800 | 3,133 |
| Average total loans | $36,507,600 | 4,260 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9618% | 4,068 |
| Cost of funding earning assets | 0.1652% | 3,973 |
| Net interest margin | 2.7966% | 3,788 |
| Noninterest income to average assets | 0.2532% | 3,877 |
| Noninterest expense to average assets | 1.6727% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1206% | 2,477 |
| Return on assets (ROA) | 1.1206% | 2,535 |
| Pretax return on assets | 1.1794% | 2,995 |
| Return on Equity (ROE) | 4.3614% | 4,249 |
| Retained earnings to average equity (ytd only) | 0.9982% | 4,413 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6483% | 3,171 |
| Assets per employee ($millions) | 7.7479% | 1,416 |
| Cash dividends to net income (ytd only)* | 77.1137% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6744% | 220 |
| Loan loss allowance to noncurrent loans | 997.8723% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 3,373 |
| Noncurrent loans to loans | 0.2680% | 2,849 |
| Net loans and leases to total assets | 40.0519% | 4,204 |
| Net loans and leases to deposits | 59.4593% | 3,276 |
| Net loans and leases to core deposits | 59.4593% | 3,513 |
| Total domestic deposits to total assets | 67.3601% | 4,784 |
| Equity capital to assets | 24.5697% | 103 |
| Core capital (leverage) ratio | 24.5188% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,620,500 | 4,241 |
| Average earning assets | $75,851,750 | 4,240 |
| Average equity | $20,971,500 | 3,165 |
| Average total loans | $36,464,500 | 4,316 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1543% | 3,762 |
| Cost of funding earning assets | 0.1693% | 4,048 |
| Net interest margin | 2.9851% | 3,362 |
| Noninterest income to average assets | 0.2736% | 3,765 |
| Noninterest expense to average assets | 1.6986% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2783% | 1,927 |
| Return on assets (ROA) | 1.2783% | 2,003 |
| Pretax return on assets | 1.3380% | 2,526 |
| Return on Equity (ROE) | 4.8994% | 4,144 |
| Retained earnings to average equity (ytd only) | 1.6300% | 4,207 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9378% | 3,550 |
| Assets per employee ($millions) | 7.3215% | 1,585 |
| Cash dividends to net income (ytd only)* | 66.7315% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7355% | 202 |
| Loan loss allowance to noncurrent loans | 967.0103% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 3,433 |
| Noncurrent loans to loans | 0.2829% | 2,921 |
| Net loans and leases to total assets | 41.4125% | 4,218 |
| Net loans and leases to deposits | 61.7755% | 3,226 |
| Net loans and leases to core deposits | 61.7755% | 3,483 |
| Total domestic deposits to total assets | 67.0371% | 4,807 |
| Equity capital to assets | 26.0542% | 85 |
| Core capital (leverage) ratio | 24.9528% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,418,333 | 4,284 |
| Average earning assets | $74,437,333 | 4,282 |
| Average equity | $20,982,000 | 3,161 |
| Average total loans | $36,928,333 | 4,336 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5899% | 4,578 |
| Cost of funding earning assets | 0.1673% | 4,187 |
| Net interest margin | 2.4227% | 4,391 |
| Noninterest income to average assets | 0.2837% | 3,701 |
| Noninterest expense to average assets | 1.6675% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7914% | 3,451 |
| Return on assets (ROA) | 0.7914% | 3,520 |
| Pretax return on assets | 0.8512% | 3,721 |
| Return on Equity (ROE) | 3.0312% | 4,468 |
| Retained earnings to average equity (ytd only) | 1.1820% | 4,187 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2055% | 2,199 |
| Assets per employee ($millions) | 7.3885% | 1,526 |
| Cash dividends to net income (ytd only)* | 61.0063% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4340% | 290 |
| Loan loss allowance to noncurrent loans | 928.7129% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 3,554 |
| Noncurrent loans to loans | 0.2621% | 3,170 |
| Net loans and leases to total assets | 46.2620% | 3,942 |
| Net loans and leases to deposits | 68.6514% | 2,628 |
| Net loans and leases to core deposits | 68.6514% | 3,001 |
| Total domestic deposits to total assets | 67.3869% | 4,816 |
| Equity capital to assets | 25.7401% | 86 |
| Core capital (leverage) ratio | 25.8499% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,359,500 | 4,302 |
| Average earning assets | $74,133,500 | 4,299 |
| Average equity | $20,981,500 | 3,160 |
| Average total loans | $38,247,500 | 4,335 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2170% | 4,435 |
| Cost of funding earning assets | 0.2613% | 4,334 |
| Net interest margin | 2.9557% | 3,997 |
| Noninterest income to average assets | 0.2905% | 3,747 |
| Noninterest expense to average assets | 1.7351% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9500% | 2,481 |
| Return on assets (ROA) | 0.9500% | 2,630 |
| Pretax return on assets | 1.2942% | 1,996 |
| Return on Equity (ROE) | 3.5514% | 4,255 |
| Retained earnings to average equity (ytd only) | 3.5514% | 3,060 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2786% | 3,820 |
| Assets per employee ($millions) | 7.2223% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4712% | 275 |
| Loan loss allowance to noncurrent loans | 852.7273% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 3,601 |
| Noncurrent loans to loans | 0.2898% | 3,163 |
| Net loans and leases to total assets | 46.5983% | 4,083 |
| Net loans and leases to deposits | 71.6359% | 2,721 |
| Net loans and leases to core deposits | 71.6359% | 3,112 |
| Total domestic deposits to total assets | 65.0488% | 4,862 |
| Equity capital to assets | 26.4875% | 81 |
| Core capital (leverage) ratio | 25.8988% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,420,600 | 4,287 |
| Average earning assets | $70,811,800 | 4,287 |
| Average equity | $20,442,400 | 3,145 |
| Average total loans | $36,759,000 | 4,377 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2713% | 4,512 |
| Cost of funding earning assets | 0.2781% | 4,396 |
| Net interest margin | 2.9932% | 3,994 |
| Noninterest income to average assets | 0.2696% | 3,855 |
| Noninterest expense to average assets | 1.8115% | 4,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7577% | 3,257 |
| Return on assets (ROA) | 0.7577% | 3,367 |
| Pretax return on assets | 1.2458% | 2,243 |
| Return on Equity (ROE) | 2.8253% | 4,423 |
| Retained earnings to average equity (ytd only) | 2.8253% | 3,590 |
| Net charge-offs to loans | 0.0037% | 3,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 707.0000% | 172 |
| Efficiency ratio | 59.2507% | 3,488 |
| Assets per employee ($millions) | 7.0581% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4116% | 258 |
| Loan loss allowance to noncurrent loans | 836.6071% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 3,697 |
| Noncurrent loans to loans | 0.2883% | 3,244 |
| Net loans and leases to total assets | 48.8376% | 4,169 |
| Net loans and leases to deposits | 76.4471% | 2,703 |
| Net loans and leases to core deposits | 76.4471% | 3,133 |
| Total domestic deposits to total assets | 63.8841% | 4,891 |
| Equity capital to assets | 26.7701% | 78 |
| Core capital (leverage) ratio | 25.5238% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,664,500 | 4,308 |
| Average earning assets | $70,468,750 | 4,301 |
| Average equity | $20,292,250 | 3,152 |
| Average total loans | $36,459,250 | 4,407 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3751% | 4,566 |
| Cost of funding earning assets | 0.3123% | 4,432 |
| Net interest margin | 3.0628% | 3,985 |
| Noninterest income to average assets | 0.2746% | 3,830 |
| Noninterest expense to average assets | 1.7785% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6453% | 3,594 |
| Return on assets (ROA) | 0.6453% | 3,683 |
| Pretax return on assets | 1.3466% | 1,881 |
| Return on Equity (ROE) | 2.4046% | 4,457 |
| Retained earnings to average equity (ytd only) | 2.4046% | 3,610 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9113% | 3,832 |
| Assets per employee ($millions) | 7.4295% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3674% | 260 |
| Loan loss allowance to noncurrent loans | 801.7094% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 3,802 |
| Noncurrent loans to loans | 0.2953% | 3,327 |
| Net loans and leases to total assets | 47.3344% | 4,294 |
| Net loans and leases to deposits | 75.3648% | 2,933 |
| Net loans and leases to core deposits | 75.7975% | 3,297 |
| Total domestic deposits to total assets | 62.8070% | 4,932 |
| Equity capital to assets | 25.1808% | 100 |
| Core capital (leverage) ratio | 25.6135% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,006,333 | 4,318 |
| Average earning assets | $69,805,667 | 4,316 |
| Average equity | $20,128,333 | 3,160 |
| Average total loans | $35,661,000 | 4,435 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5964% | 4,526 |
| Cost of funding earning assets | 0.3843% | 4,412 |
| Net interest margin | 3.2121% | 3,823 |
| Noninterest income to average assets | 0.3071% | 3,675 |
| Noninterest expense to average assets | 1.8814% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0726% | 4,686 |
| Return on assets (ROA) | 0.0726% | 4,679 |
| Pretax return on assets | 1.4125% | 1,524 |
| Return on Equity (ROE) | 0.2613% | 4,714 |
| Retained earnings to average equity (ytd only) | 0.2613% | 3,929 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1186% | 4,101 |
| Assets per employee ($millions) | 6.5266% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7992% | 180 |
| Loan loss allowance to noncurrent loans | 781.6667% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 3,826 |
| Noncurrent loans to loans | 0.3581% | 3,212 |
| Net loans and leases to total assets | 45.3693% | 4,450 |
| Net loans and leases to deposits | 72.8680% | 3,366 |
| Net loans and leases to core deposits | 72.8680% | 3,708 |
| Total domestic deposits to total assets | 62.2623% | 5,011 |
| Equity capital to assets | 27.7200% | 86 |
| Core capital (leverage) ratio | 27.7737% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,647,000 | 4,385 |
| Average earning assets | $66,622,500 | 4,375 |
| Average equity | $19,903,000 | 3,179 |
| Average total loans | $33,680,500 | 4,511 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 4,835 |
| Cost of funding earning assets | 0.4472% | 4,278 |
| Net interest margin | 3.0835% | 4,393 |
| Noninterest income to average assets | 0.3199% | 3,778 |
| Noninterest expense to average assets | 1.6187% | 4,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2362% | 1,921 |
| Return on assets (ROA) | 1.2362% | 2,008 |
| Pretax return on assets | 1.5738% | 1,571 |
| Return on Equity (ROE) | 4.7048% | 4,297 |
| Retained earnings to average equity (ytd only) | 4.7048% | 2,584 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7036% | 4,692 |
| Assets per employee ($millions) | 6.5001% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7710% | 157 |
| Loan loss allowance to noncurrent loans | 750.4000% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 3,779 |
| Noncurrent loans to loans | 0.3693% | 3,123 |
| Net loans and leases to total assets | 46.0315% | 4,521 |
| Net loans and leases to deposits | 73.9535% | 3,358 |
| Net loans and leases to core deposits | 73.9535% | 3,725 |
| Total domestic deposits to total assets | 62.2439% | 5,067 |
| Equity capital to assets | 27.8388% | 89 |
| Core capital (leverage) ratio | 27.8568% | 87 |
| Tier 1 risk-based capital ratio | 54.6418% | 112 |
| Total risk-based capital ratio | 55.9087% | 112 |
| Memoranda: | ||
| Average total assets | $73,453,000 | 4,376 |
| Average earning assets | $68,427,800 | 4,367 |
| Average equity | $19,299,600 | 3,192 |
| Average total loans | $33,136,800 | 4,576 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 4,940 |
| Cost of funding earning assets | 0.4565% | 4,310 |
| Net interest margin | 3.0716% | 4,520 |
| Noninterest income to average assets | 0.3174% | 3,853 |
| Noninterest expense to average assets | 1.7040% | 4,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1090% | 2,540 |
| Return on assets (ROA) | 1.1090% | 2,627 |
| Pretax return on assets | 1.4768% | 2,028 |
| Return on Equity (ROE) | 4.2823% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.2823% | 3,255 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5714% | 4,440 |
| Assets per employee ($millions) | 6.3099% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8996% | 144 |
| Loan loss allowance to noncurrent loans | 665.2482% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 3,757 |
| Noncurrent loans to loans | 0.4359% | 3,002 |
| Net loans and leases to total assets | 45.2549% | 4,642 |
| Net loans and leases to deposits | 74.1630% | 3,461 |
| Net loans and leases to core deposits | 74.1630% | 3,818 |
| Total domestic deposits to total assets | 61.0209% | 5,156 |
| Equity capital to assets | 28.2312% | 86 |
| Core capital (leverage) ratio | 27.2378% | 95 |
| Tier 1 risk-based capital ratio | 55.5278% | 109 |
| Total risk-based capital ratio | 56.7947% | 108 |
| Memoranda: | ||
| Average total assets | $73,941,000 | 4,427 |
| Average earning assets | $68,931,750 | 4,415 |
| Average equity | $19,148,250 | 3,233 |
| Average total loans | $32,958,250 | 4,644 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 5,056 |
| Cost of funding earning assets | 0.4369% | 4,367 |
| Net interest margin | 3.0017% | 4,682 |
| Noninterest income to average assets | 0.3128% | 3,839 |
| Noninterest expense to average assets | 1.6275% | 5,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1212% | 2,440 |
| Return on assets (ROA) | 1.1212% | 2,514 |
| Pretax return on assets | 1.4897% | 1,890 |
| Return on Equity (ROE) | 4.4528% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.4528% | 3,039 |
| Net charge-offs to loans | 0.0060% | 2,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 562.0000% | 135 |
| Efficiency ratio | 52.2109% | 4,641 |
| Assets per employee ($millions) | 6.9285% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9473% | 131 |
| Loan loss allowance to noncurrent loans | 571.3415% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 3,626 |
| Noncurrent loans to loans | 0.5159% | 2,736 |
| Net loans and leases to total assets | 44.5334% | 4,698 |
| Net loans and leases to deposits | 72.9226% | 3,606 |
| Net loans and leases to core deposits | 72.9226% | 3,949 |
| Total domestic deposits to total assets | 61.0695% | 5,204 |
| Equity capital to assets | 27.9988% | 88 |
| Core capital (leverage) ratio | 27.4009% | 92 |
| Tier 1 risk-based capital ratio | 55.5473% | 111 |
| Total risk-based capital ratio | 56.8157% | 110 |
| Memoranda: | ||
| Average total assets | $75,451,670 | 4,445 |
| Average earning assets | $70,492,330 | 4,433 |
| Average equity | $18,999,330 | 3,247 |
| Average total loans | $33,161,330 | 4,669 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 5,107 |
| Cost of funding earning assets | 0.4259% | 4,375 |
| Net interest margin | 2.9813% | 4,779 |
| Noninterest income to average assets | 0.3056% | 3,837 |
| Noninterest expense to average assets | 1.5280% | 5,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1664% | 2,193 |
| Return on assets (ROA) | 1.1664% | 2,244 |
| Pretax return on assets | 1.5585% | 1,583 |
| Return on Equity (ROE) | 4.8725% | 4,357 |
| Retained earnings to average equity (ytd only) | 4.8725% | 2,962 |
| Net charge-offs to loans | 0.0355% | 1,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 659 |
| Efficiency ratio | 49.5050% | 4,862 |
| Assets per employee ($millions) | 7.2861% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8010% | 164 |
| Loan loss allowance to noncurrent loans | 1,640.3509% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 4,415 |
| Noncurrent loans to loans | 0.1708% | 3,984 |
| Net loans and leases to total assets | 44.5314% | 4,722 |
| Net loans and leases to deposits | 68.8188% | 3,854 |
| Net loans and leases to core deposits | 68.8188% | 4,141 |
| Total domestic deposits to total assets | 64.7081% | 5,226 |
| Equity capital to assets | 26.0702% | 103 |
| Core capital (leverage) ratio | 25.2487% | 111 |
| Tier 1 risk-based capital ratio | 51.8228% | 121 |
| Total risk-based capital ratio | 53.0885% | 120 |
| Memoranda: | ||
| Average total assets | $78,535,000 | 4,445 |
| Average earning assets | $73,255,500 | 4,427 |
| Average equity | $18,799,500 | 3,279 |
| Average total loans | $33,846,000 | 4,704 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2927% | 5,089 |
| Cost of funding earning assets | 0.3596% | 4,221 |
| Net interest margin | 2.9331% | 4,874 |
| Noninterest income to average assets | 0.3063% | 4,066 |
| Noninterest expense to average assets | 1.5175% | 5,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2021% | 2,164 |
| Return on assets (ROA) | 1.2021% | 2,157 |
| Pretax return on assets | 1.5291% | 1,681 |
| Return on Equity (ROE) | 5.1644% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.1644% | 2,684 |
| Net charge-offs to loans | -0.0150% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8099% | 4,954 |
| Assets per employee ($millions) | 8.4209% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7338% | 179 |
| Loan loss allowance to noncurrent loans | 118.8847% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 1,466 |
| Noncurrent loans to loans | 2.2996% | 552 |
| Net loans and leases to total assets | 39.6312% | 4,961 |
| Net loans and leases to deposits | 58.8714% | 4,533 |
| Net loans and leases to core deposits | 59.2140% | 4,662 |
| Total domestic deposits to total assets | 67.3182% | 5,222 |
| Equity capital to assets | 22.0927% | 169 |
| Core capital (leverage) ratio | 24.7850% | 118 |
| Tier 1 risk-based capital ratio | 47.4143% | 152 |
| Total risk-based capital ratio | 48.6790% | 150 |
| Memoranda: | ||
| Average total assets | $77,694,600 | 4,472 |
| Average earning assets | $72,585,400 | 4,446 |
| Average equity | $18,085,400 | 3,289 |
| Average total loans | $33,288,800 | 4,740 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2907% | 5,128 |
| Cost of funding earning assets | 0.3261% | 4,340 |
| Net interest margin | 2.9646% | 4,899 |
| Noninterest income to average assets | 0.3155% | 4,043 |
| Noninterest expense to average assets | 1.5092% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1744% | 2,341 |
| Return on assets (ROA) | 1.1744% | 2,344 |
| Pretax return on assets | 1.5793% | 1,639 |
| Return on Equity (ROE) | 4.9751% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.9751% | 3,252 |
| Net charge-offs to loans | -0.0161% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8649% | 5,008 |
| Assets per employee ($millions) | 7.4383% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7501% | 180 |
| Loan loss allowance to noncurrent loans | 1,283.5616% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 4,483 |
| Noncurrent loans to loans | 0.2143% | 3,940 |
| Net loans and leases to total assets | 44.5451% | 4,865 |
| Net loans and leases to deposits | 69.7690% | 3,935 |
| Net loans and leases to core deposits | 70.2542% | 4,175 |
| Total domestic deposits to total assets | 63.8466% | 5,351 |
| Equity capital to assets | 24.4653% | 119 |
| Core capital (leverage) ratio | 24.9993% | 110 |
| Tier 1 risk-based capital ratio | 49.4307% | 135 |
| Total risk-based capital ratio | 50.6964% | 134 |
| Memoranda: | ||
| Average total assets | $76,066,000 | 4,544 |
| Average earning assets | $71,148,750 | 4,518 |
| Average equity | $17,955,750 | 3,323 |
| Average total loans | $33,033,250 | 4,794 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 5,185 |
| Cost of funding earning assets | 0.3010% | 4,407 |
| Net interest margin | 2.9489% | 4,946 |
| Noninterest income to average assets | 0.3210% | 4,037 |
| Noninterest expense to average assets | 1.4877% | 5,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1797% | 2,280 |
| Return on assets (ROA) | 1.1797% | 2,279 |
| Pretax return on assets | 1.5947% | 1,518 |
| Return on Equity (ROE) | 5.0573% | 4,535 |
| Retained earnings to average equity (ytd only) | 5.0573% | 3,047 |
| Net charge-offs to loans | -0.0184% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2642% | 5,108 |
| Assets per employee ($millions) | 7.5152% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7787% | 183 |
| Loan loss allowance to noncurrent loans | 1,201.2821% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 4,477 |
| Noncurrent loans to loans | 0.2313% | 3,883 |
| Net loans and leases to total assets | 43.6236% | 4,923 |
| Net loans and leases to deposits | 64.0663% | 4,278 |
| Net loans and leases to core deposits | 64.4796% | 4,461 |
| Total domestic deposits to total assets | 68.0913% | 5,334 |
| Equity capital to assets | 24.0034% | 130 |
| Core capital (leverage) ratio | 24.2693% | 122 |
| Tier 1 risk-based capital ratio | 48.4711% | 146 |
| Total risk-based capital ratio | 49.7373% | 146 |
| Memoranda: | ||
| Average total assets | $76,627,000 | 4,578 |
| Average earning assets | $71,756,000 | 4,557 |
| Average equity | $17,875,000 | 3,348 |
| Average total loans | $32,687,330 | 4,848 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2085% | 5,228 |
| Cost of funding earning assets | 0.2821% | 4,492 |
| Net interest margin | 2.9264% | 4,986 |
| Noninterest income to average assets | 0.3206% | 4,013 |
| Noninterest expense to average assets | 1.4477% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2099% | 1,965 |
| Return on assets (ROA) | 1.2099% | 1,973 |
| Pretax return on assets | 1.6080% | 1,375 |
| Return on Equity (ROE) | 5.2605% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.2605% | 3,054 |
| Net charge-offs to loans | -0.0249% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3773% | 5,219 |
| Assets per employee ($millions) | 7.5228% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9166% | 170 |
| Loan loss allowance to noncurrent loans | 1,214.2857% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 4,571 |
| Noncurrent loans to loans | 0.2402% | 3,908 |
| Net loans and leases to total assets | 41.3716% | 5,006 |
| Net loans and leases to deposits | 57.7721% | 4,598 |
| Net loans and leases to core deposits | 58.1239% | 4,745 |
| Total domestic deposits to total assets | 71.6116% | 5,307 |
| Equity capital to assets | 23.7053% | 125 |
| Core capital (leverage) ratio | 23.4099% | 133 |
| Tier 1 risk-based capital ratio | 44.4957% | 178 |
| Total risk-based capital ratio | 45.7574% | 176 |
| Memoranda: | ||
| Average total assets | $77,364,500 | 4,618 |
| Average earning assets | $72,307,000 | 4,588 |
| Average equity | $17,793,000 | 3,381 |
| Average total loans | $32,170,500 | 4,914 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0315% | 5,336 |
| Cost of funding earning assets | 0.2438% | 4,615 |
| Net interest margin | 2.7877% | 5,180 |
| Noninterest income to average assets | 0.3216% | 4,163 |
| Noninterest expense to average assets | 1.4549% | 5,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9765% | 2,341 |
| Return on assets (ROA) | 0.9765% | 2,382 |
| Pretax return on assets | 1.4680% | 1,752 |
| Return on Equity (ROE) | 4.2204% | 4,434 |
| Retained earnings to average equity (ytd only) | 2.9774% | 3,517 |
| Net charge-offs to loans | 0.1018% | 2,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 35.0938% | 1,373 |
| Efficiency ratio | 49.7764% | 5,227 |
| Assets per employee ($millions) | 7.9501% | 647 |
| Cash dividends to net income (ytd only)* | 29.4511% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8901% | 161 |
| Loan loss allowance to noncurrent loans | 1,124.0964% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 4,611 |
| Noncurrent loans to loans | 0.2571% | 3,864 |
| Net loans and leases to total assets | 39.4335% | 5,153 |
| Net loans and leases to deposits | 56.6283% | 4,762 |
| Net loans and leases to core deposits | 56.9638% | 4,896 |
| Total domestic deposits to total assets | 69.6356% | 5,418 |
| Equity capital to assets | 22.3305% | 143 |
| Core capital (leverage) ratio | 24.7076% | 105 |
| Tier 1 risk-based capital ratio | 42.7337% | 183 |
| Total risk-based capital ratio | 43.9968% | 180 |
| Memoranda: | ||
| Average total assets | $76,499,800 | 4,658 |
| Average earning assets | $71,384,400 | 4,641 |
| Average equity | $17,699,800 | 3,402 |
| Average total loans | $31,421,400 | 4,988 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0615% | 5,369 |
| Cost of funding earning assets | 0.2356% | 4,697 |
| Net interest margin | 2.8258% | 5,187 |
| Noninterest income to average assets | 0.3344% | 4,139 |
| Noninterest expense to average assets | 1.4803% | 5,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0473% | 2,345 |
| Return on assets (ROA) | 1.0473% | 2,386 |
| Pretax return on assets | 1.4926% | 1,797 |
| Return on Equity (ROE) | 4.4854% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.4854% | 3,231 |
| Net charge-offs to loans | 0.1410% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 25.6964% | 1,715 |
| Efficiency ratio | 49.7928% | 5,259 |
| Assets per employee ($millions) | 7.2564% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9623% | 158 |
| Loan loss allowance to noncurrent loans | 1,136.5854% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 4,680 |
| Noncurrent loans to loans | 0.2606% | 4,029 |
| Net loans and leases to total assets | 42.0732% | 5,111 |
| Net loans and leases to deposits | 62.0730% | 4,505 |
| Net loans and leases to core deposits | 62.4872% | 4,681 |
| Total domestic deposits to total assets | 67.7802% | 5,543 |
| Equity capital to assets | 24.8429% | 106 |
| Core capital (leverage) ratio | 24.5326% | 109 |
| Tier 1 risk-based capital ratio | 45.3865% | 160 |
| Total risk-based capital ratio | 46.6501% | 159 |
| Memoranda: | ||
| Average total assets | $75,749,500 | 4,722 |
| Average earning assets | $70,727,250 | 4,699 |
| Average equity | $17,686,500 | 3,436 |
| Average total loans | $31,206,000 | 5,040 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9765% | 5,454 |
| Cost of funding earning assets | 0.2285% | 4,732 |
| Net interest margin | 2.7480% | 5,310 |
| Noninterest income to average assets | 0.3151% | 4,285 |
| Noninterest expense to average assets | 1.4711% | 5,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9868% | 2,491 |
| Return on assets (ROA) | 0.9868% | 2,539 |
| Pretax return on assets | 1.4113% | 1,978 |
| Return on Equity (ROE) | 4.3134% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.3134% | 3,138 |
| Net charge-offs to loans | 0.2314% | 883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 15.0556% | 2,039 |
| Efficiency ratio | 51.0388% | 5,240 |
| Assets per employee ($millions) | 6.7965% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9715% | 168 |
| Loan loss allowance to noncurrent loans | 1,032.2222% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 4,710 |
| Noncurrent loans to loans | 0.2879% | 4,011 |
| Net loans and leases to total assets | 40.5754% | 5,208 |
| Net loans and leases to deposits | 58.1955% | 4,740 |
| Net loans and leases to core deposits | 58.9155% | 4,879 |
| Total domestic deposits to total assets | 69.7226% | 5,547 |
| Equity capital to assets | 23.8611% | 118 |
| Core capital (leverage) ratio | 23.8207% | 114 |
| Tier 1 risk-based capital ratio | 44.9976% | 163 |
| Total risk-based capital ratio | 46.2605% | 160 |
| Memoranda: | ||
| Average total assets | $76,811,330 | 4,729 |
| Average earning assets | $71,761,000 | 4,703 |
| Average equity | $17,573,000 | 3,459 |
| Average total loans | $31,120,670 | 5,077 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8702% | 5,560 |
| Cost of funding earning assets | 0.2314% | 4,702 |
| Net interest margin | 2.6388% | 5,444 |
| Noninterest income to average assets | 0.3392% | 4,132 |
| Noninterest expense to average assets | 1.3824% | 5,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0329% | 2,153 |
| Return on assets (ROA) | 1.0329% | 2,203 |
| Pretax return on assets | 1.4184% | 1,828 |
| Return on Equity (ROE) | 4.6101% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.6101% | 3,118 |
| Net charge-offs to loans | -0.0515% | 5,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3578% | 5,409 |
| Assets per employee ($millions) | 6.7171% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1344% | 154 |
| Loan loss allowance to noncurrent loans | 988.7755% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 4,729 |
| Noncurrent loans to loans | 0.3170% | 3,986 |
| Net loans and leases to total assets | 40.5289% | 5,231 |
| Net loans and leases to deposits | 57.4515% | 4,738 |
| Net loans and leases to core deposits | 58.1589% | 4,874 |
| Total domestic deposits to total assets | 70.5446% | 5,610 |
| Equity capital to assets | 23.7928% | 121 |
| Core capital (leverage) ratio | 23.3415% | 119 |
| Tier 1 risk-based capital ratio | 45.0348% | 170 |
| Total risk-based capital ratio | 46.2987% | 168 |
| Memoranda: | ||
| Average total assets | $77,836,000 | 4,756 |
| Average earning assets | $72,608,000 | 4,727 |
| Average equity | $17,440,000 | 3,491 |
| Average total loans | $31,049,000 | 5,127 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9177% | 5,566 |
| Cost of funding earning assets | 0.2186% | 4,848 |
| Net interest margin | 2.6990% | 5,421 |
| Noninterest income to average assets | 0.3017% | 4,583 |
| Noninterest expense to average assets | 1.4522% | 5,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9587% | 2,539 |
| Return on assets (ROA) | 0.9587% | 2,649 |
| Pretax return on assets | 1.3588% | 2,068 |
| Return on Equity (ROE) | 4.3560% | 4,717 |
| Retained earnings to average equity (ytd only) | 3.7752% | 3,232 |
| Net charge-offs to loans | 0.0097% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 354.3333% | 228 |
| Efficiency ratio | 51.6598% | 5,404 |
| Assets per employee ($millions) | 8.1784% | 560 |
| Cash dividends to net income (ytd only)* | 13.3333% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0946% | 155 |
| Loan loss allowance to noncurrent loans | 1,398.5507% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 5,000 |
| Noncurrent loans to loans | 0.2213% | 4,362 |
| Net loans and leases to total assets | 36.9485% | 5,449 |
| Net loans and leases to deposits | 52.1036% | 5,115 |
| Net loans and leases to core deposits | 52.6795% | 5,193 |
| Total domestic deposits to total assets | 70.9136% | 5,618 |
| Equity capital to assets | 21.1533% | 172 |
| Core capital (leverage) ratio | 22.9309% | 123 |
| Tier 1 risk-based capital ratio | 42.8782% | 189 |
| Total risk-based capital ratio | 44.1420% | 185 |
| Memoranda: | ||
| Average total assets | $78,228,600 | 4,762 |
| Average earning assets | $72,729,600 | 4,744 |
| Average equity | $17,217,600 | 3,526 |
| Average total loans | $30,946,600 | 5,162 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 5,612 |
| Cost of funding earning assets | 0.2227% | 4,859 |
| Net interest margin | 2.7220% | 5,464 |
| Noninterest income to average assets | 0.3086% | 4,564 |
| Noninterest expense to average assets | 1.4550% | 5,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9964% | 2,450 |
| Return on assets (ROA) | 0.9964% | 2,588 |
| Pretax return on assets | 1.3826% | 2,116 |
| Return on Equity (ROE) | 4.4813% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.7060% | 3,668 |
| Net charge-offs to loans | 0.0173% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 200.6210% | 372 |
| Efficiency ratio | 51.2758% | 5,423 |
| Assets per employee ($millions) | 7.6642% | 679 |
| Cash dividends to net income (ytd only)* | 17.3010% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1743% | 153 |
| Loan loss allowance to noncurrent loans | 226.2911% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 3,238 |
| Noncurrent loans to loans | 1.4027% | 1,571 |
| Net loans and leases to total assets | 38.3667% | 5,451 |
| Net loans and leases to deposits | 55.2601% | 5,039 |
| Net loans and leases to core deposits | 56.7905% | 5,109 |
| Total domestic deposits to total assets | 69.4293% | 5,727 |
| Equity capital to assets | 22.7799% | 141 |
| Core capital (leverage) ratio | 22.7343% | 128 |
| Tier 1 risk-based capital ratio | 45.0934% | 177 |
| Total risk-based capital ratio | 46.3602% | 175 |
| Memoranda: | ||
| Average total assets | $77,339,750 | 4,826 |
| Average earning assets | $71,857,000 | 4,799 |
| Average equity | $17,197,000 | 3,556 |
| Average total loans | $30,887,500 | 5,213 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9369% | 5,697 |
| Cost of funding earning assets | 0.2244% | 4,892 |
| Net interest margin | 2.7125% | 5,554 |
| Noninterest income to average assets | 0.3377% | 4,365 |
| Noninterest expense to average assets | 1.4541% | 5,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0132% | 2,332 |
| Return on assets (ROA) | 1.0132% | 2,466 |
| Pretax return on assets | 1.4077% | 1,995 |
| Return on Equity (ROE) | 4.5939% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.4250% | 3,713 |
| Net charge-offs to loans | 0.0322% | 2,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 109.2000% | 529 |
| Efficiency ratio | 50.8108% | 5,516 |
| Assets per employee ($millions) | 7.0415% | 858 |
| Cash dividends to net income (ytd only)* | 25.4453% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1561% | 166 |
| Loan loss allowance to noncurrent loans | 221.8894% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 3,340 |
| Noncurrent loans to loans | 1.4224% | 1,562 |
| Net loans and leases to total assets | 38.1489% | 5,509 |
| Net loans and leases to deposits | 53.2395% | 5,182 |
| Net loans and leases to core deposits | 54.6515% | 5,241 |
| Total domestic deposits to total assets | 71.6552% | 5,687 |
| Equity capital to assets | 22.3672% | 149 |
| Core capital (leverage) ratio | 22.4596% | 125 |
| Tier 1 risk-based capital ratio | 44.4018% | 179 |
| Total risk-based capital ratio | 45.6677% | 176 |
| Memoranda: | ||
| Average total assets | $77,572,330 | 4,868 |
| Average earning assets | $72,185,000 | 4,838 |
| Average equity | $17,109,670 | 3,575 |
| Average total loans | $31,060,330 | 5,262 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0136% | 5,679 |
| Cost of funding earning assets | 0.2275% | 4,928 |
| Net interest margin | 2.7860% | 5,490 |
| Noninterest income to average assets | 0.3864% | 3,935 |
| Noninterest expense to average assets | 1.4273% | 5,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1130% | 1,856 |
| Return on assets (ROA) | 1.1130% | 1,957 |
| Pretax return on assets | 1.5458% | 1,450 |
| Return on Equity (ROE) | 5.0818% | 4,446 |
| Retained earnings to average equity (ytd only) | 2.7291% | 4,145 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0069% | 5,723 |
| Assets per employee ($millions) | 7.5142% | 699 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0913% | 202 |
| Loan loss allowance to noncurrent loans | 1,826.4151% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 5,312 |
| Noncurrent loans to loans | 0.1693% | 4,810 |
| Net loans and leases to total assets | 40.3849% | 5,436 |
| Net loans and leases to deposits | 57.1520% | 4,909 |
| Net loans and leases to core deposits | 58.7350% | 5,010 |
| Total domestic deposits to total assets | 70.6622% | 5,840 |
| Equity capital to assets | 22.7649% | 139 |
| Core capital (leverage) ratio | 22.4872% | 126 |
| Tier 1 risk-based capital ratio | 43.5794% | 194 |
| Total risk-based capital ratio | 44.8452% | 193 |
| Memoranda: | ||
| Average total assets | $77,630,000 | 4,905 |
| Average earning assets | $72,073,500 | 4,874 |
| Average equity | $17,002,000 | 3,590 |
| Average total loans | $31,334,500 | 5,295 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8033% | 5,877 |
| Cost of funding earning assets | 0.2059% | 5,230 |
| Net interest margin | 2.5973% | 5,757 |
| Noninterest income to average assets | 0.3071% | 4,689 |
| Noninterest expense to average assets | 1.4329% | 6,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9286% | 2,709 |
| Return on assets (ROA) | 0.9286% | 2,800 |
| Pretax return on assets | 1.3143% | 2,229 |
| Return on Equity (ROE) | 4.4801% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.4801% | 2,801 |
| Net charge-offs to loans | -0.0133% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1581% | 5,627 |
| Assets per employee ($millions) | 8.9020% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0872% | 203 |
| Loan loss allowance to noncurrent loans | 1,668.9655% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 5,347 |
| Noncurrent loans to loans | 0.1850% | 4,746 |
| Net loans and leases to total assets | 37.9278% | 5,625 |
| Net loans and leases to deposits | 53.2125% | 5,203 |
| Net loans and leases to core deposits | 54.5812% | 5,277 |
| Total domestic deposits to total assets | 71.2761% | 5,835 |
| Equity capital to assets | 21.0914% | 176 |
| Core capital (leverage) ratio | 22.0940% | 132 |
| Tier 1 risk-based capital ratio | 38.1163% | 258 |
| Total risk-based capital ratio | 39.3783% | 254 |
| Memoranda: | ||
| Average total assets | $80,117,200 | 4,871 |
| Average earning assets | $75,269,400 | 4,825 |
| Average equity | $16,606,800 | 3,584 |
| Average total loans | $30,006,000 | 5,356 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7856% | 5,964 |
| Cost of funding earning assets | 0.2071% | 5,316 |
| Net interest margin | 2.5785% | 5,855 |
| Noninterest income to average assets | 0.3079% | 4,734 |
| Noninterest expense to average assets | 1.4312% | 6,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9453% | 2,734 |
| Return on assets (ROA) | 0.9453% | 2,838 |
| Pretax return on assets | 1.3014% | 2,394 |
| Return on Equity (ROE) | 4.5803% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.5803% | 3,215 |
| Net charge-offs to loans | -0.0180% | 5,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3752% | 5,624 |
| Assets per employee ($millions) | 6.9011% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1766% | 204 |
| Loan loss allowance to noncurrent loans | 1,561.2903% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 5,427 |
| Noncurrent loans to loans | 0.2035% | 4,835 |
| Net loans and leases to total assets | 38.8674% | 5,650 |
| Net loans and leases to deposits | 58.5034% | 4,954 |
| Net loans and leases to core deposits | 60.2131% | 5,053 |
| Total domestic deposits to total assets | 66.4361% | 6,082 |
| Equity capital to assets | 22.1665% | 154 |
| Core capital (leverage) ratio | 21.3073% | 161 |
| Tier 1 risk-based capital ratio | 36.3361% | 314 |
| Total risk-based capital ratio | 37.5977% | 313 |
| Memoranda: | ||
| Average total assets | $80,117,000 | 4,926 |
| Average earning assets | $75,337,750 | 4,883 |
| Average equity | $16,534,000 | 3,620 |
| Average total loans | $29,668,750 | 5,434 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7052% | 6,077 |
| Cost of funding earning assets | 0.2113% | 5,335 |
| Net interest margin | 2.4939% | 5,967 |
| Noninterest income to average assets | 0.2944% | 4,856 |
| Noninterest expense to average assets | 1.3935% | 6,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9053% | 2,848 |
| Return on assets (ROA) | 0.9053% | 2,969 |
| Pretax return on assets | 1.2463% | 2,566 |
| Return on Equity (ROE) | 4.4901% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.4901% | 3,156 |
| Net charge-offs to loans | -0.0068% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7881% | 5,665 |
| Assets per employee ($millions) | 6.6018% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2819% | 197 |
| Loan loss allowance to noncurrent loans | 1,462.1212% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 5,537 |
| Noncurrent loans to loans | 0.2245% | 4,884 |
| Net loans and leases to total assets | 35.8983% | 5,825 |
| Net loans and leases to deposits | 50.5017% | 5,478 |
| Net loans and leases to core deposits | 51.8194% | 5,546 |
| Total domestic deposits to total assets | 71.0834% | 5,981 |
| Equity capital to assets | 20.9237% | 182 |
| Core capital (leverage) ratio | 20.6028% | 180 |
| Tier 1 risk-based capital ratio | 36.2442% | 329 |
| Total risk-based capital ratio | 37.5047% | 325 |
| Memoranda: | ||
| Average total assets | $81,518,670 | 4,944 |
| Average earning assets | $76,667,670 | 4,899 |
| Average equity | $16,436,330 | 3,652 |
| Average total loans | $29,400,670 | 5,496 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6366% | 6,166 |
| Cost of funding earning assets | 0.2008% | 5,501 |
| Net interest margin | 2.4357% | 6,077 |
| Noninterest income to average assets | 0.2710% | 5,015 |
| Noninterest expense to average assets | 1.3064% | 6,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9048% | 2,722 |
| Return on assets (ROA) | 0.9048% | 2,845 |
| Pretax return on assets | 1.2532% | 2,453 |
| Return on Equity (ROE) | 4.5703% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.5703% | 3,283 |
| Net charge-offs to loans | -0.0136% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0397% | 5,855 |
| Assets per employee ($millions) | 6.6896% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2886% | 219 |
| Loan loss allowance to noncurrent loans | 1,359.1549% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 5,585 |
| Noncurrent loans to loans | 0.2420% | 4,913 |
| Net loans and leases to total assets | 35.3522% | 5,857 |
| Net loans and leases to deposits | 51.4746% | 5,362 |
| Net loans and leases to core deposits | 52.5323% | 5,449 |
| Total domestic deposits to total assets | 68.6789% | 6,179 |
| Equity capital to assets | 20.5606% | 206 |
| Core capital (leverage) ratio | 20.2459% | 197 |
| Tier 1 risk-based capital ratio | 34.8219% | 367 |
| Total risk-based capital ratio | 36.0828% | 365 |
| Memoranda: | ||
| Average total assets | $82,667,500 | 4,970 |
| Average earning assets | $77,676,500 | 4,929 |
| Average equity | $16,366,500 | 3,683 |
| Average total loans | $29,399,000 | 5,546 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7802% | 6,218 |
| Cost of funding earning assets | 0.3798% | 3,912 |
| Net interest margin | 2.4004% | 6,227 |
| Noninterest income to average assets | 0.2676% | 5,215 |
| Noninterest expense to average assets | 1.4113% | 6,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8247% | 3,257 |
| Return on assets (ROA) | 0.8247% | 3,349 |
| Pretax return on assets | 1.1167% | 3,022 |
| Return on Equity (ROE) | 4.0371% | 5,098 |
| Retained earnings to average equity (ytd only) | 4.0371% | 3,333 |
| Net charge-offs to loans | -0.0140% | 5,630 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8270% | 5,682 |
| Assets per employee ($millions) | 7.0883% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2729% | 220 |
| Loan loss allowance to noncurrent loans | 1,268.4211% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 5,670 |
| Noncurrent loans to loans | 0.2580% | 4,914 |
| Net loans and leases to total assets | 33.4940% | 6,062 |
| Net loans and leases to deposits | 48.1844% | 5,678 |
| Net loans and leases to core deposits | 49.1055% | 5,758 |
| Total domestic deposits to total assets | 69.5121% | 6,215 |
| Equity capital to assets | 19.0783% | 262 |
| Core capital (leverage) ratio | 20.6974% | 186 |
| Tier 1 risk-based capital ratio | 41.1491% | 221 |
| Total risk-based capital ratio | 42.4133% | 218 |
| Memoranda: | ||
| Average total assets | $77,727,600 | 5,115 |
| Average earning assets | $73,196,000 | 5,061 |
| Average equity | $15,877,600 | 3,688 |
| Average total loans | $28,496,800 | 5,627 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8055% | 6,278 |
| Cost of funding earning assets | 0.4253% | 3,518 |
| Net interest margin | 2.3802% | 6,310 |
| Noninterest income to average assets | 0.2583% | 5,374 |
| Noninterest expense to average assets | 1.4564% | 6,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7607% | 3,621 |
| Return on assets (ROA) | 0.7607% | 3,716 |
| Pretax return on assets | 1.0435% | 3,410 |
| Return on Equity (ROE) | 3.6562% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.6562% | 4,046 |
| Net charge-offs to loans | 0.0142% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 197.9950% | 322 |
| Efficiency ratio | 58.2572% | 5,412 |
| Assets per employee ($millions) | 6.8212% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3046% | 269 |
| Loan loss allowance to noncurrent loans | 1,181.4815% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 5,732 |
| Noncurrent loans to loans | 0.2797% | 5,074 |
| Net loans and leases to total assets | 37.3209% | 5,975 |
| Net loans and leases to deposits | 54.4678% | 5,344 |
| Net loans and leases to core deposits | 59.6621% | 5,218 |
| Total domestic deposits to total assets | 68.5192% | 6,327 |
| Equity capital to assets | 21.3359% | 180 |
| Core capital (leverage) ratio | 21.0452% | 170 |
| Tier 1 risk-based capital ratio | 42.6479% | 204 |
| Total risk-based capital ratio | 43.9136% | 202 |
| Memoranda: | ||
| Average total assets | $75,894,500 | 5,211 |
| Average earning assets | $71,475,500 | 5,151 |
| Average equity | $15,790,000 | 3,720 |
| Average total loans | $28,257,500 | 5,694 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7590% | 6,364 |
| Cost of funding earning assets | 0.4309% | 3,540 |
| Net interest margin | 2.3280% | 6,393 |
| Noninterest income to average assets | 0.2468% | 5,435 |
| Noninterest expense to average assets | 1.4754% | 6,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6983% | 3,849 |
| Return on assets (ROA) | 0.6983% | 3,938 |
| Pretax return on assets | 0.9556% | 3,658 |
| Return on Equity (ROE) | 3.3849% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.3849% | 4,047 |
| Net charge-offs to loans | -0.0500% | 5,873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6911% | 5,195 |
| Assets per employee ($millions) | 6.8039% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4572% | 249 |
| Loan loss allowance to noncurrent loans | 1,534.9206% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 5,913 |
| Noncurrent loans to loans | 0.2252% | 5,327 |
| Net loans and leases to total assets | 36.0809% | 6,052 |
| Net loans and leases to deposits | 50.4861% | 5,603 |
| Net loans and leases to core deposits | 55.0956% | 5,475 |
| Total domestic deposits to total assets | 71.4669% | 6,286 |
| Equity capital to assets | 21.1777% | 171 |
| Core capital (leverage) ratio | 20.9602% | 166 |
| Tier 1 risk-based capital ratio | 43.2856% | 199 |
| Total risk-based capital ratio | 44.5535% | 194 |
| Memoranda: | ||
| Average total assets | $76,181,670 | 5,247 |
| Average earning assets | $71,476,330 | 5,193 |
| Average equity | $15,717,000 | 3,739 |
| Average total loans | $28,023,330 | 5,747 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7391% | 6,434 |
| Cost of funding earning assets | 0.4278% | 3,667 |
| Net interest margin | 2.3113% | 6,468 |
| Noninterest income to average assets | 0.2550% | 5,320 |
| Noninterest expense to average assets | 1.4261% | 6,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7287% | 3,552 |
| Return on assets (ROA) | 0.7287% | 3,632 |
| Pretax return on assets | 0.9941% | 3,344 |
| Return on Equity (ROE) | 3.5782% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.5782% | 3,984 |
| Net charge-offs to loans | -0.0143% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9247% | 5,550 |
| Assets per employee ($millions) | 6.1998% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4619% | 277 |
| Loan loss allowance to noncurrent loans | 722.5564% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 5,692 |
| Noncurrent loans to loans | 0.4791% | 4,724 |
| Net loans and leases to total assets | 36.0198% | 6,071 |
| Net loans and leases to deposits | 50.3220% | 5,575 |
| Net loans and leases to core deposits | 54.9387% | 5,440 |
| Total domestic deposits to total assets | 71.5785% | 6,383 |
| Equity capital to assets | 21.1363% | 167 |
| Core capital (leverage) ratio | 20.7665% | 175 |
| Tier 1 risk-based capital ratio | 43.8068% | 188 |
| Total risk-based capital ratio | 45.0749% | 187 |
| Memoranda: | ||
| Average total assets | $76,851,000 | 5,281 |
| Average earning assets | $71,995,500 | 5,226 |
| Average equity | $15,650,500 | 3,757 |
| Average total loans | $28,049,500 | 5,794 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9759% | 6,365 |
| Cost of funding earning assets | 0.5112% | 3,484 |
| Net interest margin | 2.4647% | 6,399 |
| Noninterest income to average assets | 0.3036% | 5,171 |
| Noninterest expense to average assets | 1.5397% | 6,551 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9745% | 2,445 |
| Return on assets (ROA) | 0.9745% | 2,514 |
| Pretax return on assets | 1.0708% | 3,065 |
| Return on Equity (ROE) | 4.7113% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.7113% | 2,808 |
| Net charge-offs to loans | 0.0143% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 197.5000% | 226 |
| Efficiency ratio | 58.9823% | 5,609 |
| Assets per employee ($millions) | 6.6087% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3874% | 318 |
| Loan loss allowance to noncurrent loans | 1,411.7647% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 6,089 |
| Noncurrent loans to loans | 0.2399% | 5,463 |
| Net loans and leases to total assets | 34.5254% | 6,265 |
| Net loans and leases to deposits | 48.5711% | 5,860 |
| Net loans and leases to core deposits | 52.7594% | 5,742 |
| Total domestic deposits to total assets | 71.0822% | 6,475 |
| Equity capital to assets | 19.6409% | 231 |
| Core capital (leverage) ratio | 20.9071% | 160 |
| Tier 1 risk-based capital ratio | 40.7067% | 219 |
| Total risk-based capital ratio | 41.9723% | 214 |
| Memoranda: | ||
| Average total assets | $73,779,200 | 5,381 |
| Average earning assets | $69,054,200 | 5,327 |
| Average equity | $15,261,200 | 3,820 |
| Average total loans | $27,959,200 | 5,846 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0057% | 6,419 |
| Cost of funding earning assets | 0.5320% | 3,446 |
| Net interest margin | 2.4737% | 6,450 |
| Noninterest income to average assets | 0.3020% | 5,282 |
| Noninterest expense to average assets | 1.5967% | 6,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7569% | 3,573 |
| Return on assets (ROA) | 0.7569% | 3,701 |
| Pretax return on assets | 1.0258% | 3,395 |
| Return on Equity (ROE) | 3.6094% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.6094% | 4,122 |
| Net charge-offs to loans | -0.0478% | 6,289 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8848% | 5,299 |
| Assets per employee ($millions) | 5.9330% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3386% | 395 |
| Loan loss allowance to noncurrent loans | 918.8679% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 5,996 |
| Noncurrent loans to loans | 0.3633% | 5,303 |
| Net loans and leases to total assets | 39.6090% | 6,056 |
| Net loans and leases to deposits | 57.8735% | 5,205 |
| Net loans and leases to core deposits | 63.5894% | 4,933 |
| Total domestic deposits to total assets | 68.4406% | 6,654 |
| Equity capital to assets | 21.4211% | 161 |
| Core capital (leverage) ratio | 21.2363% | 155 |
| Tier 1 risk-based capital ratio | 40.3596% | 237 |
| Total risk-based capital ratio | 41.6267% | 233 |
| Memoranda: | ||
| Average total assets | $72,398,000 | 5,459 |
| Average earning assets | $67,913,750 | 5,407 |
| Average equity | $15,182,500 | 3,881 |
| Average total loans | $27,864,000 | 5,912 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9806% | 6,466 |
| Cost of funding earning assets | 0.5315% | 3,583 |
| Net interest margin | 2.4491% | 6,500 |
| Noninterest income to average assets | 0.2830% | 5,425 |
| Noninterest expense to average assets | 1.5824% | 6,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7335% | 3,649 |
| Return on assets (ROA) | 0.7335% | 3,808 |
| Pretax return on assets | 0.9918% | 3,543 |
| Return on Equity (ROE) | 3.5225% | 5,413 |
| Retained earnings to average equity (ytd only) | 3.5225% | 4,081 |
| Net charge-offs to loans | -0.0583% | 6,322 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4728% | 5,247 |
| Assets per employee ($millions) | 5.9606% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4282% | 393 |
| Loan loss allowance to noncurrent loans | 19,440.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 6,542 |
| Noncurrent loans to loans | 0.0176% | 6,366 |
| Net loans and leases to total assets | 38.2806% | 6,164 |
| Net loans and leases to deposits | 53.4263% | 5,563 |
| Net loans and leases to core deposits | 58.4190% | 5,386 |
| Total domestic deposits to total assets | 71.6513% | 6,579 |
| Equity capital to assets | 21.1738% | 157 |
| Core capital (leverage) ratio | 20.9457% | 149 |
| Tier 1 risk-based capital ratio | 40.3386% | 222 |
| Total risk-based capital ratio | 41.6065% | 218 |
| Memoranda: | ||
| Average total assets | $72,798,670 | 5,491 |
| Average earning assets | $68,108,000 | 5,441 |
| Average equity | $15,159,670 | 3,913 |
| Average total loans | $27,427,330 | 5,964 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9713% | 6,542 |
| Cost of funding earning assets | 0.5285% | 3,799 |
| Net interest margin | 2.4428% | 6,561 |
| Noninterest income to average assets | 0.3050% | 5,257 |
| Noninterest expense to average assets | 1.7049% | 6,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6482% | 3,972 |
| Return on assets (ROA) | 0.6482% | 4,132 |
| Pretax return on assets | 0.8661% | 3,892 |
| Return on Equity (ROE) | 3.1384% | 5,522 |
| Retained earnings to average equity (ytd only) | 3.1384% | 4,383 |
| Net charge-offs to loans | -0.0148% | 5,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3136% | 4,611 |
| Assets per employee ($millions) | 5.9093% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6286% | 379 |
| Loan loss allowance to noncurrent loans | 9,650.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 6,575 |
| Noncurrent loans to loans | 0.0376% | 6,375 |
| Net loans and leases to total assets | 36.1420% | 6,282 |
| Net loans and leases to deposits | 50.0478% | 5,782 |
| Net loans and leases to core deposits | 54.7289% | 5,625 |
| Total domestic deposits to total assets | 72.2149% | 6,647 |
| Equity capital to assets | 21.4449% | 163 |
| Core capital (leverage) ratio | 20.6497% | 165 |
| Tier 1 risk-based capital ratio | 42.6620% | 200 |
| Total risk-based capital ratio | 43.9301% | 197 |
| Memoranda: | ||
| Average total assets | $73,434,500 | 5,526 |
| Average earning assets | $68,117,500 | 5,492 |
| Average equity | $15,167,000 | 3,961 |
| Average total loans | $26,964,500 | 6,029 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2999% | 6,583 |
| Cost of funding earning assets | 0.6441% | 3,971 |
| Net interest margin | 2.6557% | 6,580 |
| Noninterest income to average assets | 0.3176% | 5,184 |
| Noninterest expense to average assets | 1.5225% | 6,858 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9862% | 2,401 |
| Return on assets (ROA) | 0.9862% | 2,624 |
| Pretax return on assets | 1.2244% | 2,706 |
| Return on Equity (ROE) | 4.7740% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.7740% | 2,870 |
| Net charge-offs to loans | -0.0077% | 6,432 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4260% | 6,125 |
| Assets per employee ($millions) | 6.3298% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5266% | 418 |
| Loan loss allowance to noncurrent loans | 19,280.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 6,679 |
| Noncurrent loans to loans | 0.0183% | 6,493 |
| Net loans and leases to total assets | 34.7183% | 6,506 |
| Net loans and leases to deposits | 48.8352% | 6,048 |
| Net loans and leases to core deposits | 53.1438% | 5,933 |
| Total domestic deposits to total assets | 71.0929% | 6,738 |
| Equity capital to assets | 19.9152% | 227 |
| Core capital (leverage) ratio | 21.1587% | 157 |
| Tier 1 risk-based capital ratio | 40.1593% | 236 |
| Total risk-based capital ratio | 41.4254% | 234 |
| Memoranda: | ||
| Average total assets | $71,788,600 | 5,581 |
| Average earning assets | $65,669,000 | 5,564 |
| Average equity | $14,830,200 | 4,001 |
| Average total loans | $25,819,200 | 6,150 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3553% | 6,673 |
| Cost of funding earning assets | 0.6715% | 4,006 |
| Net interest margin | 2.6838% | 6,667 |
| Noninterest income to average assets | 0.3166% | 5,248 |
| Noninterest expense to average assets | 1.4907% | 6,944 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8895% | 3,038 |
| Return on assets (ROA) | 0.8895% | 3,273 |
| Pretax return on assets | 1.2891% | 2,642 |
| Return on Equity (ROE) | 4.2648% | 5,167 |
| Retained earnings to average equity (ytd only) | 4.2648% | 3,893 |
| Net charge-offs to loans | -0.0314% | 6,586 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6271% | 6,293 |
| Assets per employee ($millions) | 5.7513% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6732% | 403 |
| Loan loss allowance to noncurrent loans | 13,828.5714% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,758 |
| Noncurrent loans to loans | 0.0266% | 6,565 |
| Net loans and leases to total assets | 36.7819% | 6,498 |
| Net loans and leases to deposits | 54.1870% | 5,796 |
| Net loans and leases to core deposits | 59.6452% | 5,596 |
| Total domestic deposits to total assets | 67.8794% | 6,931 |
| Equity capital to assets | 21.6793% | 181 |
| Core capital (leverage) ratio | 21.1415% | 166 |
| Tier 1 risk-based capital ratio | 42.0321% | 210 |
| Total risk-based capital ratio | 43.3003% | 206 |
| Memoranda: | ||
| Average total assets | $70,746,500 | 5,675 |
| Average earning assets | $64,930,750 | 5,643 |
| Average equity | $14,756,000 | 4,055 |
| Average total loans | $25,440,250 | 6,251 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 6,761 |
| Cost of funding earning assets | 0.6928% | 4,073 |
| Net interest margin | 2.6724% | 6,740 |
| Noninterest income to average assets | 0.3113% | 5,321 |
| Noninterest expense to average assets | 1.4946% | 7,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8553% | 3,109 |
| Return on assets (ROA) | 0.8553% | 3,379 |
| Pretax return on assets | 1.2394% | 2,767 |
| Return on Equity (ROE) | 4.1532% | 5,195 |
| Retained earnings to average equity (ytd only) | 4.1532% | 3,842 |
| Net charge-offs to loans | -0.0318% | 6,544 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6667% | 6,255 |
| Assets per employee ($millions) | 5.7940% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7449% | 406 |
| Loan loss allowance to noncurrent loans | 12,075.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 6,812 |
| Noncurrent loans to loans | 0.0310% | 6,609 |
| Net loans and leases to total assets | 35.7108% | 6,621 |
| Net loans and leases to deposits | 51.1253% | 6,092 |
| Net loans and leases to core deposits | 56.0740% | 5,935 |
| Total domestic deposits to total assets | 69.8496% | 6,913 |
| Equity capital to assets | 21.2950% | 189 |
| Core capital (leverage) ratio | 20.0969% | 201 |
| Tier 1 risk-based capital ratio | 42.2795% | 198 |
| Total risk-based capital ratio | 43.5495% | 196 |
| Memoranda: | ||
| Average total assets | $71,323,670 | 5,686 |
| Average earning assets | $64,661,330 | 5,686 |
| Average equity | $14,687,330 | 4,051 |
| Average total loans | $25,136,000 | 6,312 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4090% | 6,798 |
| Cost of funding earning assets | 0.7180% | 4,124 |
| Net interest margin | 2.6910% | 6,781 |
| Noninterest income to average assets | 0.3489% | 5,068 |
| Noninterest expense to average assets | 1.4456% | 7,087 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8917% | 2,960 |
| Return on assets (ROA) | 0.8917% | 3,183 |
| Pretax return on assets | 1.2905% | 2,574 |
| Return on Equity (ROE) | 4.4025% | 5,094 |
| Retained earnings to average equity (ytd only) | 4.4025% | 3,955 |
| Net charge-offs to loans | -0.0322% | 6,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8340% | 6,460 |
| Assets per employee ($millions) | 5.8218% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9082% | 399 |
| Loan loss allowance to noncurrent loans | 9,640.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 6,887 |
| Noncurrent loans to loans | 0.0405% | 6,653 |
| Net loans and leases to total assets | 33.9269% | 6,745 |
| Net loans and leases to deposits | 47.2500% | 6,336 |
| Net loans and leases to core deposits | 51.6654% | 6,229 |
| Total domestic deposits to total assets | 71.8030% | 6,890 |
| Equity capital to assets | 21.0000% | 180 |
| Core capital (leverage) ratio | 20.1078% | 198 |
| Tier 1 risk-based capital ratio | 42.4040% | 192 |
| Total risk-based capital ratio | 43.6728% | 189 |
| Memoranda: | ||
| Average total assets | $72,221,500 | 5,705 |
| Average earning assets | $64,066,000 | 5,753 |
| Average equity | $14,628,000 | 4,067 |
| Average total loans | $24,806,500 | 6,380 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 6,837 |
| Cost of funding earning assets | 0.7977% | 4,888 |
| Net interest margin | 2.9107% | 6,673 |
| Noninterest income to average assets | 0.3510% | 4,993 |
| Noninterest expense to average assets | 1.5761% | 7,132 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1406% | 1,694 |
| Return on assets (ROA) | 1.1406% | 1,813 |
| Pretax return on assets | 1.4572% | 1,610 |
| Return on Equity (ROE) | 5.6305% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.6305% | 2,226 |
| Net charge-offs to loans | 0.0603% | 5,696 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 67.8000% | 441 |
| Efficiency ratio | 51.9603% | 6,702 |
| Assets per employee ($millions) | 6.2151% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8562% | 419 |
| Loan loss allowance to noncurrent loans | 24,050.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 6,986 |
| Noncurrent loans to loans | 0.0160% | 6,794 |
| Net loans and leases to total assets | 32.1597% | 6,939 |
| Net loans and leases to deposits | 45.4709% | 6,650 |
| Net loans and leases to core deposits | 50.3760% | 6,513 |
| Total domestic deposits to total assets | 70.7258% | 6,952 |
| Equity capital to assets | 19.5559% | 254 |
| Core capital (leverage) ratio | 20.1923% | 194 |
| Tier 1 risk-based capital ratio | 40.1266% | 227 |
| Total risk-based capital ratio | 41.3953% | 222 |
| Memoranda: | ||
| Average total assets | $69,790,800 | 5,746 |
| Average earning assets | $64,313,400 | 5,724 |
| Average equity | $14,137,400 | 4,082 |
| Average total loans | $24,864,600 | 6,427 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7839% | 6,860 |
| Cost of funding earning assets | 0.8186% | 5,022 |
| Net interest margin | 2.9653% | 6,644 |
| Noninterest income to average assets | 0.3635% | 4,962 |
| Noninterest expense to average assets | 1.5511% | 7,191 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0846% | 2,027 |
| Return on assets (ROA) | 1.0846% | 2,172 |
| Pretax return on assets | 1.5725% | 1,454 |
| Return on Equity (ROE) | 5.3045% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.3045% | 2,994 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6577% | 6,849 |
| Assets per employee ($millions) | 5.7364% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8841% | 430 |
| Loan loss allowance to noncurrent loans | 16,283.3333% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 7,050 |
| Noncurrent loans to loans | 0.0239% | 6,880 |
| Net loans and leases to total assets | 35.1221% | 6,908 |
| Net loans and leases to deposits | 51.7631% | 6,385 |
| Net loans and leases to core deposits | 58.0327% | 6,124 |
| Total domestic deposits to total assets | 67.8516% | 7,146 |
| Equity capital to assets | 20.9669% | 211 |
| Core capital (leverage) ratio | 20.1174% | 217 |
| Tier 1 risk-based capital ratio | 40.2902% | 247 |
| Total risk-based capital ratio | 41.5599% | 239 |
| Memoranda: | ||
| Average total assets | $68,593,250 | 5,824 |
| Average earning assets | $63,847,750 | 5,778 |
| Average equity | $14,025,500 | 4,117 |
| Average total loans | $24,844,000 | 6,486 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 6,924 |
| Cost of funding earning assets | 0.8096% | 5,305 |
| Net interest margin | 2.9831% | 6,639 |
| Noninterest income to average assets | 0.3445% | 5,125 |
| Noninterest expense to average assets | 1.5705% | 7,265 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0830% | 1,923 |
| Return on assets (ROA) | 1.0830% | 2,020 |
| Pretax return on assets | 1.5705% | 1,319 |
| Return on Equity (ROE) | 5.3421% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.3421% | 2,779 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,937 |
| Assets per employee ($millions) | 5.6499% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9577% | 428 |
| Loan loss allowance to noncurrent loans | 13,957.1429% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 7,101 |
| Noncurrent loans to loans | 0.0284% | 6,915 |
| Net loans and leases to total assets | 34.9695% | 7,018 |
| Net loans and leases to deposits | 49.4174% | 6,644 |
| Net loans and leases to core deposits | 55.5858% | 6,443 |
| Total domestic deposits to total assets | 70.7636% | 7,070 |
| Equity capital to assets | 20.8867% | 216 |
| Core capital (leverage) ratio | 19.7540% | 239 |
| Tier 1 risk-based capital ratio | 39.7932% | 249 |
| Total risk-based capital ratio | 41.0645% | 244 |
| Memoranda: | ||
| Average total assets | $68,512,000 | 5,870 |
| Average earning assets | $64,229,330 | 5,816 |
| Average equity | $13,889,670 | 4,146 |
| Average total loans | $24,740,670 | 6,550 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 6,932 |
| Cost of funding earning assets | 0.8231% | 5,446 |
| Net interest margin | 2.9932% | 6,589 |
| Noninterest income to average assets | 0.3775% | 4,895 |
| Noninterest expense to average assets | 1.5566% | 7,334 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1094% | 1,806 |
| Return on assets (ROA) | 1.1094% | 1,862 |
| Pretax return on assets | 1.6089% | 1,169 |
| Return on Equity (ROE) | 5.5547% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.5547% | 2,881 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1743% | 7,051 |
| Assets per employee ($millions) | 5.5467% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9967% | 419 |
| Loan loss allowance to noncurrent loans | 9,770.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 7,153 |
| Noncurrent loans to loans | 0.0409% | 6,944 |
| Net loans and leases to total assets | 35.2584% | 7,037 |
| Net loans and leases to deposits | 49.8333% | 6,635 |
| Net loans and leases to core deposits | 56.1839% | 6,400 |
| Total domestic deposits to total assets | 70.7527% | 7,143 |
| Equity capital to assets | 20.8263% | 217 |
| Core capital (leverage) ratio | 20.0320% | 228 |
| Tier 1 risk-based capital ratio | 40.0024% | 241 |
| Total risk-based capital ratio | 41.2735% | 234 |
| Memoranda: | ||
| Average total assets | $68,868,500 | 5,903 |
| Average earning assets | $64,144,500 | 5,855 |
| Average equity | $13,754,000 | 4,162 |
| Average total loans | $24,768,000 | 6,599 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 7,105 |
| Cost of funding earning assets | 0.9792% | 5,787 |
| Net interest margin | 3.0581% | 6,623 |
| Noninterest income to average assets | 0.4224% | 4,727 |
| Noninterest expense to average assets | 1.7298% | 7,325 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1593% | 1,513 |
| Return on assets (ROA) | 1.1593% | 1,598 |
| Pretax return on assets | 1.5525% | 1,242 |
| Return on Equity (ROE) | 5.6229% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.0621% | 2,373 |
| Net charge-offs to loans | -0.0334% | 7,409 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7008% | 6,933 |
| Assets per employee ($millions) | 5.9314% | 1,257 |
| Cash dividends to net income (ytd only)* | 9.9734% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8938% | 435 |
| Loan loss allowance to noncurrent loans | 8,141.6667% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 7,204 |
| Noncurrent loans to loans | 0.0478% | 7,010 |
| Net loans and leases to total assets | 33.8789% | 7,230 |
| Net loans and leases to deposits | 47.1686% | 6,987 |
| Net loans and leases to core deposits | 52.6426% | 6,872 |
| Total domestic deposits to total assets | 71.8252% | 7,097 |
| Equity capital to assets | 19.1719% | 309 |
| Core capital (leverage) ratio | 20.0970% | 234 |
| Tier 1 risk-based capital ratio | 38.2283% | 274 |
| Total risk-based capital ratio | 39.4984% | 265 |
| Memoranda: | ||
| Average total assets | $64,864,400 | 6,034 |
| Average earning assets | $60,659,000 | 5,974 |
| Average equity | $13,373,800 | 4,293 |
| Average total loans | $23,925,000 | 6,732 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 7,169 |
| Cost of funding earning assets | 1.0222% | 5,837 |
| Net interest margin | 3.1049% | 6,604 |
| Noninterest income to average assets | 0.3750% | 5,152 |
| Noninterest expense to average assets | 1.6981% | 7,436 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0913% | 1,918 |
| Return on assets (ROA) | 1.0913% | 2,027 |
| Pretax return on assets | 1.5822% | 1,389 |
| Return on Equity (ROE) | 5.1906% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.4391% | 3,375 |
| Net charge-offs to loans | -0.0451% | 7,457 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7662% | 7,003 |
| Assets per employee ($millions) | 5.2131% | 1,921 |
| Cash dividends to net income (ytd only)* | 14.4791% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0036% | 368 |
| Loan loss allowance to noncurrent loans | 336.8966% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 6,265 |
| Noncurrent loans to loans | 1.1884% | 4,865 |
| Net loans and leases to total assets | 37.4474% | 7,207 |
| Net loans and leases to deposits | 53.9956% | 6,771 |
| Net loans and leases to core deposits | 61.3616% | 6,508 |
| Total domestic deposits to total assets | 69.3528% | 7,307 |
| Equity capital to assets | 21.7833% | 199 |
| Core capital (leverage) ratio | 21.0070% | 206 |
| Tier 1 risk-based capital ratio | 40.0580% | 244 |
| Total risk-based capital ratio | 41.3295% | 240 |
| Memoranda: | ||
| Average total assets | $63,286,250 | 6,152 |
| Average earning assets | $59,216,500 | 6,089 |
| Average equity | $13,305,750 | 4,369 |
| Average total loans | $23,633,500 | 6,835 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 7,250 |
| Cost of funding earning assets | 1.0309% | 5,997 |
| Net interest margin | 3.0995% | 6,609 |
| Noninterest income to average assets | 0.3872% | 5,015 |
| Noninterest expense to average assets | 1.7157% | 7,492 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0893% | 1,891 |
| Return on assets (ROA) | 1.0893% | 1,961 |
| Pretax return on assets | 1.5772% | 1,365 |
| Return on Equity (ROE) | 5.2430% | 4,159 |
| Retained earnings to average equity (ytd only) | 4.1065% | 3,461 |
| Net charge-offs to loans | 0.0513% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 381 |
| Efficiency ratio | 52.1033% | 7,054 |
| Assets per employee ($millions) | 5.0537% | 2,119 |
| Cash dividends to net income (ytd only)* | 21.6763% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0261% | 369 |
| Loan loss allowance to noncurrent loans | 6,420.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 7,341 |
| Noncurrent loans to loans | 0.0627% | 7,157 |
| Net loans and leases to total assets | 37.8537% | 7,274 |
| Net loans and leases to deposits | 53.0162% | 6,924 |
| Net loans and leases to core deposits | 59.8670% | 6,724 |
| Total domestic deposits to total assets | 71.4003% | 7,231 |
| Equity capital to assets | 21.9989% | 202 |
| Core capital (leverage) ratio | 20.9801% | 200 |
| Tier 1 risk-based capital ratio | 40.2938% | 243 |
| Total risk-based capital ratio | 41.5647% | 237 |
| Memoranda: | ||
| Average total assets | $63,529,330 | 6,191 |
| Average earning assets | $59,557,330 | 6,116 |
| Average equity | $13,198,670 | 4,395 |
| Average total loans | $23,377,000 | 6,896 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 7,435 |
| Cost of funding earning assets | 1.0378% | 6,181 |
| Net interest margin | 2.9887% | 6,856 |
| Noninterest income to average assets | 0.4063% | 4,864 |
| Noninterest expense to average assets | 1.6192% | 7,641 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0959% | 1,838 |
| Return on assets (ROA) | 1.0959% | 1,923 |
| Pretax return on assets | 1.5884% | 1,292 |
| Return on Equity (ROE) | 5.4237% | 4,145 |
| Retained earnings to average equity (ytd only) | 3.1384% | 4,262 |
| Net charge-offs to loans | -0.0519% | 7,357 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4798% | 7,279 |
| Assets per employee ($millions) | 5.0658% | 2,148 |
| Cash dividends to net income (ytd only)* | 42.1348% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2182% | 308 |
| Loan loss allowance to noncurrent loans | 3,600.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 7,382 |
| Noncurrent loans to loans | 0.1172% | 7,115 |
| Net loans and leases to total assets | 36.3076% | 7,416 |
| Net loans and leases to deposits | 50.7659% | 7,092 |
| Net loans and leases to core deposits | 56.1303% | 6,991 |
| Total domestic deposits to total assets | 71.5195% | 7,312 |
| Equity capital to assets | 21.6931% | 220 |
| Core capital (leverage) ratio | 20.1511% | 240 |
| Tier 1 risk-based capital ratio | 40.5700% | 244 |
| Total risk-based capital ratio | 41.8443% | 238 |
| Memoranda: | ||
| Average total assets | $64,972,000 | 6,209 |
| Average earning assets | $60,895,500 | 6,136 |
| Average equity | $13,127,500 | 4,448 |
| Average total loans | $23,106,000 | 6,984 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 7,088 |
| Cost of funding earning assets | 1.1978% | 6,665 |
| Net interest margin | 3.5323% | 4,811 |
| Noninterest income to average assets | 0.4329% | 4,929 |
| Noninterest expense to average assets | 1.9109% | 7,488 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3555% | 927 |
| Return on assets (ROA) | 1.3555% | 980 |
| Pretax return on assets | 1.8177% | 612 |
| Return on Equity (ROE) | 6.1809% | 3,133 |
| Retained earnings to average equity (ytd only) | 5.5911% | 1,531 |
| Net charge-offs to loans | 0.0754% | 6,361 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 439 |
| Efficiency ratio | 51.2488% | 7,448 |
| Assets per employee ($millions) | 5.7629% | 1,410 |
| Cash dividends to net income (ytd only)* | 9.5420% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1823% | 321 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,465 |
| Noncurrent loans to loans | 0.0734% | 7,236 |
| Net loans and leases to total assets | 32.1018% | 7,655 |
| Net loans and leases to deposits | 45.9219% | 7,446 |
| Net loans and leases to core deposits | 57.3940% | 7,360 |
| Total domestic deposits to total assets | 69.9053% | 7,435 |
| Equity capital to assets | 18.8967% | 375 |
| Core capital (leverage) ratio | 20.1281% | 271 |
| Tier 1 risk-based capital ratio | 37.9082% | 288 |
| Total risk-based capital ratio | 39.1782% | 277 |
| Memoranda: | ||
| Average total assets | $57,984,400 | 6,433 |
| Average earning assets | $54,100,200 | 6,370 |
| Average equity | $12,716,600 | 4,583 |
| Average total loans | $22,539,600 | 7,059 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9732% | 6,683 |
| Cost of funding earning assets | 1.2375% | 6,768 |
| Net interest margin | 3.7357% | 3,930 |
| Noninterest income to average assets | 0.4300% | 5,048 |
| Noninterest expense to average assets | 1.9278% | 7,498 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3721% | 1,081 |
| Return on assets (ROA) | 1.3721% | 1,140 |
| Pretax return on assets | 1.9882% | 552 |
| Return on Equity (ROE) | 5.9967% | 3,532 |
| Retained earnings to average equity (ytd only) | 5.2049% | 2,367 |
| Net charge-offs to loans | 0.1132% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 43.3206% | 709 |
| Efficiency ratio | 49.2289% | 7,608 |
| Assets per employee ($millions) | 5.1668% | 1,939 |
| Cash dividends to net income (ytd only)* | 13.2046% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1484% | 269 |
| Loan loss allowance to noncurrent loans | 5,372.2222% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 7,501 |
| Noncurrent loans to loans | 0.0772% | 7,301 |
| Net loans and leases to total assets | 39.3120% | 7,490 |
| Net loans and leases to deposits | 57.8504% | 6,973 |
| Net loans and leases to core deposits | 70.3074% | 6,954 |
| Total domestic deposits to total assets | 67.9546% | 7,576 |
| Equity capital to assets | 22.7747% | 224 |
| Core capital (leverage) ratio | 21.5673% | 244 |
| Tier 1 risk-based capital ratio | 39.8789% | 286 |
| Total risk-based capital ratio | 41.1511% | 279 |
| Memoranda: | ||
| Average total assets | $55,191,750 | 6,571 |
| Average earning assets | $51,501,500 | 6,519 |
| Average equity | $12,628,750 | 4,627 |
| Average total loans | $22,382,250 | 7,130 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 6,713 |
| Cost of funding earning assets | 1.2618% | 6,920 |
| Net interest margin | 3.7541% | 3,738 |
| Noninterest income to average assets | 0.4172% | 5,143 |
| Noninterest expense to average assets | 1.9654% | 7,525 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3432% | 1,133 |
| Return on assets (ROA) | 1.3432% | 1,205 |
| Pretax return on assets | 1.9471% | 638 |
| Return on Equity (ROE) | 5.8609% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.6632% | 2,706 |
| Net charge-offs to loans | 0.0091% | 6,441 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 532.0000% | 57 |
| Efficiency ratio | 50.2339% | 7,652 |
| Assets per employee ($millions) | 4.5171% | 2,746 |
| Cash dividends to net income (ytd only)* | 20.4360% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4011% | 187 |
| Loan loss allowance to noncurrent loans | 32,833.3333% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 7,640 |
| Noncurrent loans to loans | 0.0134% | 7,528 |
| Net loans and leases to total assets | 39.4724% | 7,573 |
| Net loans and leases to deposits | 54.6067% | 7,239 |
| Net loans and leases to core deposits | 64.4264% | 7,281 |
| Total domestic deposits to total assets | 72.2848% | 7,207 |
| Equity capital to assets | 23.2875% | 243 |
| Core capital (leverage) ratio | 21.4288% | 294 |
| Tier 1 risk-based capital ratio | 40.8757% | 286 |
| Total risk-based capital ratio | 42.1507% | 277 |
| Memoranda: | ||
| Average total assets | $54,644,000 | 6,652 |
| Average earning assets | $50,878,000 | 6,598 |
| Average equity | $12,523,670 | 4,668 |
| Average total loans | $22,073,000 | 7,210 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 6,782 |
| Cost of funding earning assets | 1.2612% | 7,145 |
| Net interest margin | 3.7913% | 3,481 |
| Noninterest income to average assets | 0.4666% | 4,621 |
| Noninterest expense to average assets | 1.9539% | 7,439 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4071% | 1,124 |
| Return on assets (ROA) | 1.4071% | 1,210 |
| Pretax return on assets | 2.0414% | 617 |
| Return on Equity (ROE) | 6.1889% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.7839% | 3,786 |
| Net charge-offs to loans | -0.0182% | 7,417 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9051% | 7,674 |
| Assets per employee ($millions) | 4.0975% | 3,466 |
| Cash dividends to net income (ytd only)* | 38.8601% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5338% | 146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 39.0167% | 7,615 |
| Net loans and leases to deposits | 54.4457% | 7,258 |
| Net loans and leases to core deposits | 63.1280% | 7,348 |
| Total domestic deposits to total assets | 71.6616% | 7,257 |
| Equity capital to assets | 23.4761% | 265 |
| Core capital (leverage) ratio | 21.9281% | 308 |
| Tier 1 risk-based capital ratio | 41.5415% | 290 |
| Total risk-based capital ratio | 42.8179% | 285 |
| Memoranda: | ||
| Average total assets | $54,863,500 | 6,676 |
| Average earning assets | $51,064,500 | 6,618 |
| Average equity | $12,474,000 | 4,714 |
| Average total loans | $21,919,000 | 7,251 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5954% | 7,083 |
| Cost of funding earning assets | 1.6439% | 7,365 |
| Net interest margin | 3.9515% | 3,355 |
| Noninterest income to average assets | 0.5282% | 4,402 |
| Noninterest expense to average assets | 2.0797% | 7,278 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5437% | 938 |
| Return on assets (ROA) | 1.5437% | 904 |
| Pretax return on assets | 2.1265% | 463 |
| Return on Equity (ROE) | 6.6863% | 3,679 |
| Retained earnings to average equity (ytd only) | 4.4068% | 2,382 |
| Net charge-offs to loans | 0.0049% | 6,913 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1,091.0000% | 39 |
| Efficiency ratio | 49.4439% | 7,696 |
| Assets per employee ($millions) | 4.3431% | 2,893 |
| Cash dividends to net income (ytd only)* | 34.0909% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4680% | 139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 37.3397% | 7,782 |
| Net loans and leases to deposits | 55.1668% | 7,375 |
| Net loans and leases to core deposits | 60.3429% | 7,571 |
| Total domestic deposits to total assets | 67.6851% | 7,500 |
| Equity capital to assets | 22.0386% | 352 |
| Core capital (leverage) ratio | 23.4081% | 295 |
| Tier 1 risk-based capital ratio | 40.1903% | 339 |
| Total risk-based capital ratio | 41.4647% | 328 |
| Memoranda: | ||
| Average total assets | $51,304,600 | 6,719 |
| Average earning assets | $47,753,600 | 6,677 |
| Average equity | $11,845,200 | 4,875 |
| Average total loans | $20,580,000 | 7,294 |