Home > Mason City National Bank > Performance and Condition Ratios
Mason City National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 4,334 |
| Cost of funding earning assets | 0.7977% | 3,739 |
| Net interest margin | 2.8243% | 3,615 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.5537% | 4,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3451% | 1,333 |
| Return on assets (ROA) | 1.3606% | 1,269 |
| Pretax return on assets | 1.4333% | 1,565 |
| Return on Equity (ROE) | 12.8200% | 1,775 |
| Retained earnings to average equity (ytd only) | 2.5048% | 3,442 |
| Net charge-offs to loans | -0.0065% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.3005% | 3,804 |
| Assets per employee ($millions) | 7.4802% | 1,742 |
| Cash dividends to net income (ytd only)* | 80.4608% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4309% | 4,373 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,631 |
| Noncurrent loans to loans | 0.0410% | 3,428 |
| Net loans and leases to total assets | 41.2800% | 3,989 |
| Net loans and leases to deposits | 46.6008% | 4,028 |
| Net loans and leases to core deposits | 51.1105% | 4,060 |
| Total domestic deposits to total assets | 88.5800% | 1,186 |
| Equity capital to assets | 11.0231% | 1,472 |
| Core capital (leverage) ratio | 16.0332% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $79,746,000 | 4,015 |
| Average earning assets | $76,973,600 | 3,959 |
| Average equity | $8,463,800 | 3,884 |
| Average total loans | $30,808,600 | 4,127 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 4,347 |
| Cost of funding earning assets | 0.6458% | 3,884 |
| Net interest margin | 2.9078% | 3,527 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.5640% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3966% | 1,324 |
| Return on assets (ROA) | 1.4174% | 1,262 |
| Pretax return on assets | 1.4881% | 1,581 |
| Return on Equity (ROE) | 13.4900% | 1,799 |
| Retained earnings to average equity (ytd only) | 9.8808% | 1,436 |
| Net charge-offs to loans | -0.0044% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.6129% | 3,786 |
| Assets per employee ($millions) | 10.0820% | 645 |
| Cash dividends to net income (ytd only)* | 26.7539% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4556% | 4,377 |
| Loan loss allowance to noncurrent loans | 973.3333% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,646 |
| Noncurrent loans to loans | 0.0468% | 3,419 |
| Net loans and leases to total assets | 39.5500% | 4,075 |
| Net loans and leases to deposits | 43.8658% | 4,109 |
| Net loans and leases to core deposits | 48.1116% | 4,084 |
| Total domestic deposits to total assets | 90.1500% | 903 |
| Equity capital to assets | 9.4884% | 2,104 |
| Core capital (leverage) ratio | 16.6252% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $79,112,000 | 4,040 |
| Average earning assets | $76,390,000 | 3,981 |
| Average equity | $8,312,250 | 3,899 |
| Average total loans | $29,982,750 | 4,156 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4731% | 4,367 |
| Cost of funding earning assets | 0.4661% | 4,048 |
| Net interest margin | 3.0071% | 3,418 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.6387% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4568% | 1,196 |
| Return on assets (ROA) | 1.4886% | 1,121 |
| Pretax return on assets | 1.5548% | 1,491 |
| Return on Equity (ROE) | 13.7100% | 1,742 |
| Retained earnings to average equity (ytd only) | 9.7984% | 1,469 |
| Net charge-offs to loans | -0.0068% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.8519% | 3,782 |
| Assets per employee ($millions) | 9.6559% | 738 |
| Cash dividends to net income (ytd only)* | 28.5470% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4837% | 4,389 |
| Loan loss allowance to noncurrent loans | 912.5000% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,619 |
| Noncurrent loans to loans | 0.0530% | 3,323 |
| Net loans and leases to total assets | 38.8900% | 4,076 |
| Net loans and leases to deposits | 44.4285% | 4,083 |
| Net loans and leases to core deposits | 46.8861% | 4,102 |
| Total domestic deposits to total assets | 87.5300% | 1,772 |
| Equity capital to assets | 11.1150% | 1,341 |
| Core capital (leverage) ratio | 16.9542% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $78,597,333 | 4,060 |
| Average earning assets | $75,954,667 | 4,003 |
| Average equity | $8,532,000 | 3,898 |
| Average total loans | $29,296,000 | 4,176 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 4,301 |
| Cost of funding earning assets | 0.3861% | 4,003 |
| Net interest margin | 3.0784% | 3,399 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.7358% | 4,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5396% | 1,098 |
| Return on assets (ROA) | 1.7206% | 783 |
| Pretax return on assets | 1.7711% | 1,126 |
| Return on Equity (ROE) | 16.0400% | 1,348 |
| Retained earnings to average equity (ytd only) | 13.4979% | 1,006 |
| Net charge-offs to loans | -0.0139% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.2796% | 3,753 |
| Assets per employee ($millions) | 10.0740% | 682 |
| Cash dividends to net income (ytd only)* | 15.8358% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5289% | 4,420 |
| Loan loss allowance to noncurrent loans | 811.1111% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,583 |
| Noncurrent loans to loans | 0.0652% | 3,268 |
| Net loans and leases to total assets | 34.0700% | 4,260 |
| Net loans and leases to deposits | 38.5215% | 4,265 |
| Net loans and leases to core deposits | 40.6728% | 4,254 |
| Total domestic deposits to total assets | 88.4400% | 1,764 |
| Equity capital to assets | 11.2344% | 1,255 |
| Core capital (leverage) ratio | 16.0377% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $79,272,500 | 4,105 |
| Average earning assets | $76,662,500 | 4,044 |
| Average equity | $8,505,000 | 3,950 |
| Average total loans | $28,851,500 | 4,242 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8956% | 4,242 |
| Cost of funding earning assets | 0.2119% | 3,664 |
| Net interest margin | 2.6836% | 4,079 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.5335% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2120% | 1,728 |
| Return on assets (ROA) | 1.2097% | 1,682 |
| Pretax return on assets | 1.2950% | 2,105 |
| Return on Equity (ROE) | 9.9800% | 2,813 |
| Retained earnings to average equity (ytd only) | 0.6216% | 4,255 |
| Net charge-offs to loans | -0.0137% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.1685% | 3,781 |
| Assets per employee ($millions) | 9.7441% | 733 |
| Cash dividends to net income (ytd only)* | 93.7692% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4817% | 4,451 |
| Loan loss allowance to noncurrent loans | 763.1579% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,590 |
| Noncurrent loans to loans | 0.0631% | 3,295 |
| Net loans and leases to total assets | 38.4300% | 4,129 |
| Net loans and leases to deposits | 42.9826% | 4,148 |
| Net loans and leases to core deposits | 45.7887% | 4,125 |
| Total domestic deposits to total assets | 89.4000% | 1,595 |
| Equity capital to assets | 10.2061% | 1,607 |
| Core capital (leverage) ratio | 16.3214% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $80,928,000 | 4,120 |
| Average earning assets | $78,326,600 | 4,060 |
| Average equity | $9,813,400 | 3,893 |
| Average total loans | $29,267,800 | 4,252 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7661% | 4,227 |
| Cost of funding earning assets | 0.1687% | 3,641 |
| Net interest margin | 2.5974% | 4,107 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.4840% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1770% | 1,787 |
| Return on assets (ROA) | 1.1770% | 1,759 |
| Pretax return on assets | 1.2636% | 2,163 |
| Return on Equity (ROE) | 9.3500% | 2,925 |
| Retained earnings to average equity (ytd only) | 5.8507% | 2,804 |
| Net charge-offs to loans | -0.0184% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.0107% | 3,821 |
| Assets per employee ($millions) | 9.8488% | 684 |
| Cash dividends to net income (ytd only)* | 37.4480% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4738% | 4,500 |
| Loan loss allowance to noncurrent loans | 210.1449% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 3,054 |
| Noncurrent loans to loans | 0.2255% | 2,486 |
| Net loans and leases to total assets | 38.6600% | 4,118 |
| Net loans and leases to deposits | 43.2984% | 4,135 |
| Net loans and leases to core deposits | 44.0932% | 4,171 |
| Total domestic deposits to total assets | 89.2900% | 1,965 |
| Equity capital to assets | 10.0076% | 1,621 |
| Core capital (leverage) ratio | 16.4197% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $81,671,750 | 4,136 |
| Average earning assets | $79,051,000 | 4,072 |
| Average equity | $10,277,750 | 3,883 |
| Average total loans | $29,059,750 | 4,286 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6625% | 4,195 |
| Cost of funding earning assets | 0.1549% | 3,510 |
| Net interest margin | 2.5076% | 4,077 |
| Noninterest income to average assets | 0.3146% | 3,278 |
| Noninterest expense to average assets | 1.5151% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1400% | 1,630 |
| Return on assets (ROA) | 1.1400% | 1,611 |
| Pretax return on assets | 1.2295% | 1,962 |
| Return on Equity (ROE) | 8.5054% | 2,866 |
| Retained earnings to average equity (ytd only) | 4.7312% | 2,805 |
| Net charge-offs to loans | -0.0210% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2028% | 3,855 |
| Assets per employee ($millions) | 9.9571% | 673 |
| Cash dividends to net income (ytd only)* | 44.3737% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4975% | 4,553 |
| Loan loss allowance to noncurrent loans | 134.5794% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 2,770 |
| Noncurrent loans to loans | 0.3697% | 2,038 |
| Net loans and leases to total assets | 36.1525% | 4,242 |
| Net loans and leases to deposits | 41.0181% | 4,229 |
| Net loans and leases to core deposits | 41.7877% | 4,265 |
| Total domestic deposits to total assets | 88.1379% | 2,517 |
| Equity capital to assets | 11.5144% | 1,028 |
| Core capital (leverage) ratio | 15.6148% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,632,333 | 4,168 |
| Average earning assets | $80,075,000 | 4,118 |
| Average equity | $11,075,333 | 3,885 |
| Average total loans | $28,544,667 | 4,349 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5110% | 4,252 |
| Cost of funding earning assets | 0.1471% | 3,535 |
| Net interest margin | 2.3639% | 4,134 |
| Noninterest income to average assets | 0.5088% | 2,101 |
| Noninterest expense to average assets | 1.6453% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0651% | 1,639 |
| Return on assets (ROA) | 1.0651% | 1,631 |
| Pretax return on assets | 1.1555% | 1,965 |
| Return on Equity (ROE) | 7.4499% | 2,888 |
| Retained earnings to average equity (ytd only) | 3.5254% | 3,110 |
| Net charge-offs to loans | -0.0282% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7436% | 3,609 |
| Assets per employee ($millions) | 10.5640% | 582 |
| Cash dividends to net income (ytd only)* | 52.6786% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5182% | 4,573 |
| Loan loss allowance to noncurrent loans | 86.1446% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 2,456 |
| Noncurrent loans to loans | 0.6015% | 1,559 |
| Net loans and leases to total assets | 32.4853% | 4,356 |
| Net loans and leases to deposits | 37.4579% | 4,338 |
| Net loans and leases to core deposits | 38.1295% | 4,369 |
| Total domestic deposits to total assets | 86.7250% | 3,027 |
| Equity capital to assets | 12.9082% | 706 |
| Core capital (leverage) ratio | 14.7626% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,120,000 | 4,173 |
| Average earning assets | $81,560,500 | 4,120 |
| Average equity | $12,027,000 | 3,861 |
| Average total loans | $28,346,000 | 4,366 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0187% | 3,841 |
| Cost of funding earning assets | 0.2023% | 3,437 |
| Net interest margin | 2.8164% | 3,624 |
| Noninterest income to average assets | 0.2969% | 3,626 |
| Noninterest expense to average assets | 1.6110% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4003% | 1,278 |
| Return on assets (ROA) | 1.4930% | 1,085 |
| Pretax return on assets | 1.5064% | 1,700 |
| Return on Equity (ROE) | 9.1470% | 2,858 |
| Retained earnings to average equity (ytd only) | 1.7444% | 4,059 |
| Net charge-offs to loans | 0.0140% | 2,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 290.2500% | 421 |
| Efficiency ratio | 53.2797% | 4,003 |
| Assets per employee ($millions) | 8.3728% | 1,135 |
| Cash dividends to net income (ytd only)* | 80.9291% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4846% | 4,637 |
| Loan loss allowance to noncurrent loans | 129.3578% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 3,028 |
| Noncurrent loans to loans | 0.3746% | 2,244 |
| Net loans and leases to total assets | 34.5810% | 4,353 |
| Net loans and leases to deposits | 41.2450% | 4,296 |
| Net loans and leases to core deposits | 41.7145% | 4,348 |
| Total domestic deposits to total assets | 83.8429% | 3,605 |
| Equity capital to assets | 15.6996% | 408 |
| Core capital (leverage) ratio | 14.9553% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,183,000 | 4,184 |
| Average earning assets | $79,571,000 | 4,137 |
| Average equity | $13,414,200 | 3,796 |
| Average total loans | $28,555,200 | 4,406 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1396% | 3,724 |
| Cost of funding earning assets | 0.2156% | 3,461 |
| Net interest margin | 2.9240% | 3,497 |
| Noninterest income to average assets | 0.1956% | 4,221 |
| Noninterest expense to average assets | 1.5078% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5058% | 1,260 |
| Return on assets (ROA) | 1.6300% | 1,006 |
| Pretax return on assets | 1.6431% | 1,573 |
| Return on Equity (ROE) | 9.8898% | 2,776 |
| Retained earnings to average equity (ytd only) | 6.4779% | 2,625 |
| Net charge-offs to loans | 0.0281% | 1,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 155.1667% | 663 |
| Efficiency ratio | 49.8384% | 4,236 |
| Assets per employee ($millions) | 8.5964% | 1,012 |
| Cash dividends to net income (ytd only)* | 34.5000% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4804% | 4,724 |
| Loan loss allowance to noncurrent loans | 72.0207% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 2,660 |
| Noncurrent loans to loans | 0.6671% | 1,640 |
| Net loans and leases to total assets | 33.4943% | 4,487 |
| Net loans and leases to deposits | 40.1436% | 4,446 |
| Net loans and leases to core deposits | 40.7446% | 4,489 |
| Total domestic deposits to total assets | 83.4361% | 3,598 |
| Equity capital to assets | 16.1219% | 403 |
| Core capital (leverage) ratio | 15.3746% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,796,750 | 4,239 |
| Average earning assets | $79,158,750 | 4,194 |
| Average equity | $13,481,500 | 3,844 |
| Average total loans | $28,420,250 | 4,467 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8880% | 4,239 |
| Cost of funding earning assets | 0.2261% | 3,504 |
| Net interest margin | 2.6619% | 4,053 |
| Noninterest income to average assets | 0.2263% | 4,043 |
| Noninterest expense to average assets | 1.5446% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2463% | 2,034 |
| Return on assets (ROA) | 1.2660% | 2,044 |
| Pretax return on assets | 1.2785% | 2,685 |
| Return on Equity (ROE) | 7.6222% | 3,497 |
| Retained earnings to average equity (ytd only) | 3.7138% | 3,615 |
| Net charge-offs to loans | 0.0071% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 506.0000% | 259 |
| Efficiency ratio | 55.1020% | 3,656 |
| Assets per employee ($millions) | 8.2114% | 1,112 |
| Cash dividends to net income (ytd only)* | 51.2770% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4927% | 4,741 |
| Loan loss allowance to noncurrent loans | 144.0000% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 3,423 |
| Noncurrent loans to loans | 0.3421% | 2,683 |
| Net loans and leases to total assets | 35.4203% | 4,478 |
| Net loans and leases to deposits | 42.6992% | 4,436 |
| Net loans and leases to core deposits | 43.2105% | 4,489 |
| Total domestic deposits to total assets | 82.9530% | 3,715 |
| Equity capital to assets | 16.3358% | 387 |
| Core capital (leverage) ratio | 15.1947% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,407,667 | 4,285 |
| Average earning assets | $77,838,333 | 4,233 |
| Average equity | $13,355,667 | 3,860 |
| Average total loans | $28,249,667 | 4,501 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 1,899 |
| Cost of funding earning assets | 0.2388% | 3,572 |
| Net interest margin | 3.6345% | 1,490 |
| Noninterest income to average assets | 0.2011% | 4,179 |
| Noninterest expense to average assets | 1.5989% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1118% | 480 |
| Return on assets (ROA) | 2.1520% | 488 |
| Pretax return on assets | 2.1620% | 731 |
| Return on Equity (ROE) | 12.7376% | 1,743 |
| Retained earnings to average equity (ytd only) | 11.1901% | 1,356 |
| Net charge-offs to loans | 0.0144% | 1,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 422.0000% | 221 |
| Efficiency ratio | 42.9730% | 4,635 |
| Assets per employee ($millions) | 8.3987% | 1,036 |
| Cash dividends to net income (ytd only)* | 12.1495% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5031% | 4,771 |
| Loan loss allowance to noncurrent loans | 132.1101% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 3,526 |
| Noncurrent loans to loans | 0.3808% | 2,727 |
| Net loans and leases to total assets | 33.9100% | 4,577 |
| Net loans and leases to deposits | 40.5525% | 4,544 |
| Net loans and leases to core deposits | 41.0221% | 4,593 |
| Total domestic deposits to total assets | 83.6201% | 3,537 |
| Equity capital to assets | 15.9215% | 395 |
| Core capital (leverage) ratio | 16.1797% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,554,500 | 4,314 |
| Average earning assets | $77,039,500 | 4,265 |
| Average equity | $13,440,500 | 3,852 |
| Average total loans | $27,760,000 | 4,534 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2104% | 4,440 |
| Cost of funding earning assets | 0.3803% | 3,706 |
| Net interest margin | 2.8301% | 4,210 |
| Noninterest income to average assets | 0.0410% | 4,876 |
| Noninterest expense to average assets | 1.8063% | 4,465 |
| Loan and lease loss provision to assets | 0.0071% | 4,266 |
| Net operating income to assets | 0.9667% | 2,411 |
| Return on assets (ROA) | 0.9611% | 2,582 |
| Pretax return on assets | 0.9781% | 3,113 |
| Return on Equity (ROE) | 5.1250% | 3,871 |
| Retained earnings to average equity (ytd only) | 0.7311% | 4,309 |
| Net charge-offs to loans | 0.0035% | 3,247 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 701.0000% | 170 |
| Efficiency ratio | 64.5781% | 2,730 |
| Assets per employee ($millions) | 7.5122% | 1,270 |
| Cash dividends to net income (ytd only)* | 85.7353% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5391% | 4,764 |
| Loan loss allowance to noncurrent loans | 18.5185% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0423% | 901 |
| Noncurrent loans to loans | 2.9112% | 302 |
| Net loans and leases to total assets | 35.6101% | 4,602 |
| Net loans and leases to deposits | 43.7480% | 4,537 |
| Net loans and leases to core deposits | 44.3294% | 4,591 |
| Total domestic deposits to total assets | 81.3983% | 3,786 |
| Equity capital to assets | 17.9827% | 275 |
| Core capital (leverage) ratio | 16.5247% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,751,400 | 4,375 |
| Average earning assets | $68,901,200 | 4,315 |
| Average equity | $13,268,200 | 3,834 |
| Average total loans | $28,241,800 | 4,546 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2848% | 4,491 |
| Cost of funding earning assets | 0.4059% | 3,777 |
| Net interest margin | 2.8789% | 4,213 |
| Noninterest income to average assets | 0.0880% | 4,795 |
| Noninterest expense to average assets | 1.8241% | 4,451 |
| Loan and lease loss provision to assets | 0.0100% | 4,176 |
| Net operating income to assets | 1.0468% | 2,160 |
| Return on assets (ROA) | 1.0393% | 2,315 |
| Pretax return on assets | 1.0566% | 2,885 |
| Return on Equity (ROE) | 5.4814% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.4120% | 3,353 |
| Net charge-offs to loans | 0.0047% | 2,982 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 561.0000% | 213 |
| Efficiency ratio | 62.9458% | 2,924 |
| Assets per employee ($millions) | 7.3237% | 1,316 |
| Cash dividends to net income (ytd only)* | 37.7532% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4938% | 4,819 |
| Loan loss allowance to noncurrent loans | 10.6932% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.8515% | 401 |
| Noncurrent loans to loans | 4.6181% | 128 |
| Net loans and leases to total assets | 39.8951% | 4,569 |
| Net loans and leases to deposits | 49.1811% | 4,513 |
| Net loans and leases to core deposits | 49.8524% | 4,581 |
| Total domestic deposits to total assets | 81.1188% | 3,631 |
| Equity capital to assets | 18.7883% | 247 |
| Core capital (leverage) ratio | 17.5274% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,658,750 | 4,401 |
| Average earning assets | $67,988,000 | 4,331 |
| Average equity | $13,208,000 | 3,847 |
| Average total loans | $28,578,250 | 4,562 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3515% | 4,590 |
| Cost of funding earning assets | 0.4264% | 3,917 |
| Net interest margin | 2.9251% | 4,268 |
| Noninterest income to average assets | 0.1022% | 4,774 |
| Noninterest expense to average assets | 1.8520% | 4,478 |
| Loan and lease loss provision to assets | 0.0146% | 4,047 |
| Net operating income to assets | 1.0835% | 2,024 |
| Return on assets (ROA) | 1.0721% | 2,193 |
| Pretax return on assets | 1.0896% | 2,739 |
| Return on Equity (ROE) | 5.6357% | 3,618 |
| Retained earnings to average equity (ytd only) | 3.3784% | 3,231 |
| Net charge-offs to loans | 0.0071% | 2,708 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 382.0000% | 269 |
| Efficiency ratio | 62.4016% | 3,062 |
| Assets per employee ($millions) | 6.3592% | 1,898 |
| Cash dividends to net income (ytd only)* | 40.0545% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5054% | 4,828 |
| Loan loss allowance to noncurrent loans | 114.1732% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 3,621 |
| Noncurrent loans to loans | 0.4426% | 2,832 |
| Net loans and leases to total assets | 40.8100% | 4,577 |
| Net loans and leases to deposits | 50.6934% | 4,504 |
| Net loans and leases to core deposits | 51.4212% | 4,589 |
| Total domestic deposits to total assets | 80.5035% | 3,726 |
| Equity capital to assets | 19.4022% | 231 |
| Core capital (leverage) ratio | 18.3809% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,466,000 | 4,428 |
| Average earning assets | $67,074,333 | 4,355 |
| Average equity | $13,024,000 | 3,869 |
| Average total loans | $28,316,667 | 4,591 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2828% | 4,824 |
| Cost of funding earning assets | 0.4405% | 4,195 |
| Net interest margin | 2.8423% | 4,513 |
| Noninterest income to average assets | 0.1122% | 4,783 |
| Noninterest expense to average assets | 1.9727% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9037% | 2,513 |
| Return on assets (ROA) | 0.9037% | 2,618 |
| Pretax return on assets | 0.9214% | 3,076 |
| Return on Equity (ROE) | 4.8000% | 3,709 |
| Retained earnings to average equity (ytd only) | 2.7608% | 3,176 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1633% | 2,639 |
| Assets per employee ($millions) | 6.7349% | 1,219 |
| Cash dividends to net income (ytd only)* | 42.4837% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4940% | 4,879 |
| Loan loss allowance to noncurrent loans | 103.6765% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 3,675 |
| Noncurrent loans to loans | 0.4765% | 2,822 |
| Net loans and leases to total assets | 42.1729% | 4,586 |
| Net loans and leases to deposits | 52.0201% | 4,518 |
| Net loans and leases to core deposits | 52.7868% | 4,608 |
| Total domestic deposits to total assets | 81.0702% | 3,649 |
| Equity capital to assets | 18.8199% | 300 |
| Core capital (leverage) ratio | 18.4025% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,723,500 | 4,443 |
| Average earning assets | $66,285,000 | 4,382 |
| Average equity | $12,750,000 | 3,908 |
| Average total loans | $28,129,000 | 4,632 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5032% | 4,855 |
| Cost of funding earning assets | 0.4425% | 4,298 |
| Net interest margin | 3.0607% | 4,433 |
| Noninterest income to average assets | 0.1104% | 4,903 |
| Noninterest expense to average assets | 1.7268% | 4,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3461% | 1,515 |
| Return on assets (ROA) | 1.3883% | 1,458 |
| Pretax return on assets | 1.4227% | 2,075 |
| Return on Equity (ROE) | 7.6893% | 3,294 |
| Retained earnings to average equity (ytd only) | 2.3592% | 3,846 |
| Net charge-offs to loans | 0.0074% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 481.0000% | 195 |
| Efficiency ratio | 55.5863% | 4,256 |
| Assets per employee ($millions) | 6.8098% | 1,126 |
| Cash dividends to net income (ytd only)* | 69.3182% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5088% | 4,878 |
| Loan loss allowance to noncurrent loans | 127.0270% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 3,827 |
| Noncurrent loans to loans | 0.4005% | 3,008 |
| Net loans and leases to total assets | 40.4902% | 4,719 |
| Net loans and leases to deposits | 49.9565% | 4,689 |
| Net loans and leases to core deposits | 50.6819% | 4,740 |
| Total domestic deposits to total assets | 81.0508% | 3,757 |
| Equity capital to assets | 18.8332% | 309 |
| Core capital (leverage) ratio | 17.8317% | 348 |
| Tier 1 risk-based capital ratio | 38.6728% | 261 |
| Total risk-based capital ratio | 39.1112% | 275 |
| Memoranda: | ||
| Average total assets | $69,724,800 | 4,433 |
| Average earning assets | $68,252,800 | 4,369 |
| Average equity | $12,589,000 | 3,925 |
| Average total loans | $26,876,000 | 4,712 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 4,968 |
| Cost of funding earning assets | 0.4292% | 4,402 |
| Net interest margin | 3.0570% | 4,547 |
| Noninterest income to average assets | 0.1027% | 4,981 |
| Noninterest expense to average assets | 1.6350% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4454% | 1,342 |
| Return on assets (ROA) | 1.5019% | 1,239 |
| Pretax return on assets | 1.5171% | 1,906 |
| Return on Equity (ROE) | 8.4063% | 3,153 |
| Retained earnings to average equity (ytd only) | 5.2885% | 2,740 |
| Net charge-offs to loans | 0.0100% | 3,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 383.5094% | 259 |
| Efficiency ratio | 52.8256% | 4,526 |
| Assets per employee ($millions) | 7.1539% | 969 |
| Cash dividends to net income (ytd only)* | 37.0888% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5254% | 4,937 |
| Loan loss allowance to noncurrent loans | 125.8929% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 2,866 |
| Noncurrent loans to loans | 0.4173% | 3,049 |
| Net loans and leases to total assets | 37.3153% | 4,887 |
| Net loans and leases to deposits | 45.7482% | 4,876 |
| Net loans and leases to core deposits | 46.3729% | 4,909 |
| Total domestic deposits to total assets | 81.5667% | 3,597 |
| Equity capital to assets | 18.3341% | 366 |
| Core capital (leverage) ratio | 17.8955% | 362 |
| Tier 1 risk-based capital ratio | 39.1608% | 261 |
| Total risk-based capital ratio | 39.5977% | 269 |
| Memoranda: | ||
| Average total assets | $70,131,500 | 4,485 |
| Average earning assets | $68,649,250 | 4,422 |
| Average equity | $12,530,000 | 3,967 |
| Average total loans | $26,666,500 | 4,784 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4642% | 5,037 |
| Cost of funding earning assets | 0.4158% | 4,448 |
| Net interest margin | 3.0484% | 4,609 |
| Noninterest income to average assets | 0.0947% | 5,059 |
| Noninterest expense to average assets | 1.6680% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4010% | 1,436 |
| Return on assets (ROA) | 1.4010% | 1,490 |
| Pretax return on assets | 1.4154% | 2,152 |
| Return on Equity (ROE) | 7.9127% | 3,325 |
| Retained earnings to average equity (ytd only) | 4.6535% | 2,945 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0968% | 4,458 |
| Assets per employee ($millions) | 7.6214% | 763 |
| Cash dividends to net income (ytd only)* | 41.1885% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5361% | 4,970 |
| Loan loss allowance to noncurrent loans | 52.7675% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 2,921 |
| Noncurrent loans to loans | 1.0160% | 1,616 |
| Net loans and leases to total assets | 38.6774% | 4,885 |
| Net loans and leases to deposits | 47.6182% | 4,859 |
| Net loans and leases to core deposits | 48.2970% | 4,904 |
| Total domestic deposits to total assets | 81.2240% | 3,744 |
| Equity capital to assets | 18.6943% | 314 |
| Core capital (leverage) ratio | 17.7656% | 358 |
| Tier 1 risk-based capital ratio | 39.0374% | 249 |
| Total risk-based capital ratio | 39.4867% | 259 |
| Memoranda: | ||
| Average total assets | $69,662,330 | 4,525 |
| Average earning assets | $68,299,000 | 4,459 |
| Average equity | $12,334,670 | 4,000 |
| Average total loans | $26,610,000 | 4,816 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 5,116 |
| Cost of funding earning assets | 0.3952% | 4,505 |
| Net interest margin | 2.9985% | 4,752 |
| Noninterest income to average assets | 0.0969% | 5,090 |
| Noninterest expense to average assets | 1.6696% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3619% | 1,481 |
| Return on assets (ROA) | 1.3619% | 1,524 |
| Pretax return on assets | 1.3676% | 2,203 |
| Return on Equity (ROE) | 7.9070% | 3,306 |
| Retained earnings to average equity (ytd only) | 5.3265% | 2,765 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9719% | 4,436 |
| Assets per employee ($millions) | 7.0674% | 974 |
| Cash dividends to net income (ytd only)* | 32.6360% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5423% | 5,029 |
| Loan loss allowance to noncurrent loans | 45.8333% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 2,826 |
| Noncurrent loans to loans | 1.1832% | 1,403 |
| Net loans and leases to total assets | 37.1084% | 4,983 |
| Net loans and leases to deposits | 45.0085% | 4,958 |
| Net loans and leases to core deposits | 45.6184% | 5,003 |
| Total domestic deposits to total assets | 82.4476% | 3,604 |
| Equity capital to assets | 17.4605% | 394 |
| Core capital (leverage) ratio | 17.3592% | 391 |
| Tier 1 risk-based capital ratio | 38.1112% | 258 |
| Total risk-based capital ratio | 38.5543% | 266 |
| Memoranda: | ||
| Average total assets | $70,197,000 | 4,568 |
| Average earning assets | $68,833,500 | 4,500 |
| Average equity | $12,090,500 | 4,047 |
| Average total loans | $26,578,500 | 4,871 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3206% | 5,064 |
| Cost of funding earning assets | 0.3326% | 4,393 |
| Net interest margin | 2.9879% | 4,811 |
| Noninterest income to average assets | 0.1155% | 5,094 |
| Noninterest expense to average assets | 1.7449% | 5,049 |
| Loan and lease loss provision to assets | 0.0155% | 3,839 |
| Net operating income to assets | 1.2492% | 1,976 |
| Return on assets (ROA) | 1.2492% | 1,971 |
| Pretax return on assets | 1.2647% | 2,636 |
| Return on Equity (ROE) | 7.6182% | 3,608 |
| Retained earnings to average equity (ytd only) | 2.6281% | 4,089 |
| Net charge-offs to loans | 0.0371% | 2,660 |
| Credit loss provision to net charge-offs | 110.0000% | 2,340 |
| Earnings coverage of net charge-offs (x) | 90.9000% | 788 |
| Efficiency ratio | 57.6816% | 4,196 |
| Assets per employee ($millions) | 6.3382% | 1,298 |
| Cash dividends to net income (ytd only)* | 65.5017% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5338% | 5,088 |
| Loan loss allowance to noncurrent loans | 49.8258% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 2,907 |
| Noncurrent loans to loans | 1.0714% | 1,521 |
| Net loans and leases to total assets | 38.2172% | 5,006 |
| Net loans and leases to deposits | 46.0835% | 4,979 |
| Net loans and leases to core deposits | 46.7104% | 5,015 |
| Total domestic deposits to total assets | 82.9303% | 3,351 |
| Equity capital to assets | 16.9836% | 419 |
| Core capital (leverage) ratio | 17.2780% | 382 |
| Tier 1 risk-based capital ratio | 37.4429% | 267 |
| Total risk-based capital ratio | 37.8840% | 280 |
| Memoranda: | ||
| Average total assets | $71,007,200 | 4,564 |
| Average earning assets | $69,144,800 | 4,511 |
| Average equity | $11,643,200 | 4,070 |
| Average total loans | $26,944,600 | 4,890 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2859% | 5,132 |
| Cost of funding earning assets | 0.3153% | 4,411 |
| Net interest margin | 2.9706% | 4,890 |
| Noninterest income to average assets | 0.1084% | 5,180 |
| Noninterest expense to average assets | 1.7141% | 5,122 |
| Loan and lease loss provision to assets | 0.0206% | 3,598 |
| Net operating income to assets | 1.2468% | 2,058 |
| Return on assets (ROA) | 1.2468% | 2,066 |
| Pretax return on assets | 1.2617% | 2,763 |
| Return on Equity (ROE) | 7.6706% | 3,677 |
| Retained earnings to average equity (ytd only) | 4.8301% | 3,331 |
| Net charge-offs to loans | 0.0494% | 2,119 |
| Credit loss provision to net charge-offs | 110.0000% | 2,111 |
| Earnings coverage of net charge-offs (x) | 68.6152% | 970 |
| Efficiency ratio | 57.2052% | 4,225 |
| Assets per employee ($millions) | 6.4265% | 1,223 |
| Cash dividends to net income (ytd only)* | 37.0321% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5307% | 5,149 |
| Loan loss allowance to noncurrent loans | 160.6742% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 4,332 |
| Noncurrent loans to loans | 0.3303% | 3,487 |
| Net loans and leases to total assets | 37.9129% | 5,085 |
| Net loans and leases to deposits | 45.4416% | 5,070 |
| Net loans and leases to core deposits | 46.0451% | 5,109 |
| Total domestic deposits to total assets | 83.4321% | 3,152 |
| Equity capital to assets | 16.4901% | 457 |
| Core capital (leverage) ratio | 17.5451% | 369 |
| Tier 1 risk-based capital ratio | 38.9337% | 249 |
| Total risk-based capital ratio | 39.3881% | 253 |
| Memoranda: | ||
| Average total assets | $71,329,000 | 4,610 |
| Average earning assets | $69,344,750 | 4,551 |
| Average equity | $11,593,750 | 4,112 |
| Average total loans | $26,983,750 | 4,944 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2605% | 5,178 |
| Cost of funding earning assets | 0.3053% | 4,377 |
| Net interest margin | 2.9552% | 4,936 |
| Noninterest income to average assets | 0.1062% | 5,252 |
| Noninterest expense to average assets | 1.7305% | 5,163 |
| Loan and lease loss provision to assets | 0.0308% | 3,295 |
| Net operating income to assets | 1.1993% | 2,204 |
| Return on assets (ROA) | 1.1993% | 2,202 |
| Pretax return on assets | 1.2133% | 2,896 |
| Return on Equity (ROE) | 7.4140% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.4242% | 3,389 |
| Net charge-offs to loans | 0.0741% | 1,588 |
| Credit loss provision to net charge-offs | 110.0000% | 1,895 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 1,216 |
| Efficiency ratio | 58.1767% | 4,203 |
| Assets per employee ($millions) | 6.2703% | 1,285 |
| Cash dividends to net income (ytd only)* | 40.3263% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5337% | 5,215 |
| Loan loss allowance to noncurrent loans | 82.6590% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 3,622 |
| Noncurrent loans to loans | 0.6456% | 2,501 |
| Net loans and leases to total assets | 38.6427% | 5,107 |
| Net loans and leases to deposits | 46.4783% | 5,081 |
| Net loans and leases to core deposits | 47.1117% | 5,120 |
| Total domestic deposits to total assets | 83.1412% | 3,372 |
| Equity capital to assets | 16.7863% | 421 |
| Core capital (leverage) ratio | 17.1674% | 377 |
| Tier 1 risk-based capital ratio | 38.6200% | 254 |
| Total risk-based capital ratio | 39.0768% | 265 |
| Memoranda: | ||
| Average total assets | $71,541,670 | 4,657 |
| Average earning assets | $69,436,670 | 4,598 |
| Average equity | $11,572,670 | 4,140 |
| Average total loans | $26,997,000 | 4,995 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2044% | 5,231 |
| Cost of funding earning assets | 0.3011% | 4,344 |
| Net interest margin | 2.9033% | 5,021 |
| Noninterest income to average assets | 0.1044% | 5,311 |
| Noninterest expense to average assets | 1.7576% | 5,193 |
| Loan and lease loss provision to assets | 0.0384% | 2,981 |
| Net operating income to assets | 1.1095% | 2,384 |
| Return on assets (ROA) | 1.1095% | 2,399 |
| Pretax return on assets | 1.1150% | 3,115 |
| Return on Equity (ROE) | 6.9836% | 3,789 |
| Retained earnings to average equity (ytd only) | 4.7364% | 3,291 |
| Net charge-offs to loans | 0.1476% | 942 |
| Credit loss provision to net charge-offs | 70.0000% | 1,828 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,444 |
| Efficiency ratio | 60.3774% | 4,018 |
| Assets per employee ($millions) | 6.7007% | 1,092 |
| Cash dividends to net income (ytd only)* | 32.1782% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5304% | 5,291 |
| Loan loss allowance to noncurrent loans | 85.2761% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 3,408 |
| Noncurrent loans to loans | 0.6220% | 2,675 |
| Net loans and leases to total assets | 35.3652% | 5,230 |
| Net loans and leases to deposits | 41.9455% | 5,221 |
| Net loans and leases to core deposits | 43.1102% | 5,236 |
| Total domestic deposits to total assets | 84.3124% | 3,189 |
| Equity capital to assets | 15.5940% | 553 |
| Core capital (leverage) ratio | 16.2742% | 454 |
| Tier 1 risk-based capital ratio | 37.2835% | 272 |
| Total risk-based capital ratio | 37.7165% | 287 |
| Memoranda: | ||
| Average total assets | $72,826,000 | 4,694 |
| Average earning assets | $70,402,500 | 4,635 |
| Average equity | $11,570,000 | 4,183 |
| Average total loans | $27,097,500 | 5,039 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0792% | 5,309 |
| Cost of funding earning assets | 0.2861% | 4,266 |
| Net interest margin | 2.7931% | 5,173 |
| Noninterest income to average assets | 0.1132% | 5,360 |
| Noninterest expense to average assets | 1.6995% | 5,336 |
| Loan and lease loss provision to assets | 0.0193% | 3,916 |
| Net operating income to assets | 1.0880% | 1,894 |
| Return on assets (ROA) | 1.1017% | 1,873 |
| Pretax return on assets | 1.1169% | 3,114 |
| Return on Equity (ROE) | 6.7773% | 3,395 |
| Retained earnings to average equity (ytd only) | 2.0723% | 4,074 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2250% | 4,229 |
| Assets per employee ($millions) | 6.5404% | 1,190 |
| Cash dividends to net income (ytd only)* | 69.4236% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5073% | 5,378 |
| Loan loss allowance to noncurrent loans | 27.3077% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 2,163 |
| Noncurrent loans to loans | 1.8579% | 850 |
| Net loans and leases to total assets | 38.7065% | 5,186 |
| Net loans and leases to deposits | 46.2252% | 5,184 |
| Net loans and leases to core deposits | 47.5456% | 5,205 |
| Total domestic deposits to total assets | 83.7346% | 3,301 |
| Equity capital to assets | 16.1876% | 489 |
| Core capital (leverage) ratio | 16.2292% | 445 |
| Tier 1 risk-based capital ratio | 35.3518% | 312 |
| Total risk-based capital ratio | 35.7760% | 322 |
| Memoranda: | ||
| Average total assets | $72,432,600 | 4,738 |
| Average earning assets | $70,244,800 | 4,660 |
| Average equity | $11,774,600 | 4,174 |
| Average total loans | $26,557,600 | 5,110 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0170% | 5,398 |
| Cost of funding earning assets | 0.2832% | 4,285 |
| Net interest margin | 2.7338% | 5,293 |
| Noninterest income to average assets | 0.1011% | 5,475 |
| Noninterest expense to average assets | 1.6686% | 5,394 |
| Loan and lease loss provision to assets | 0.0165% | 3,816 |
| Net operating income to assets | 1.0623% | 2,274 |
| Return on assets (ROA) | 1.0805% | 2,231 |
| Pretax return on assets | 1.0952% | 3,320 |
| Return on Equity (ROE) | 6.6401% | 3,844 |
| Retained earnings to average equity (ytd only) | 3.7379% | 3,699 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4125% | 4,142 |
| Assets per employee ($millions) | 6.6925% | 1,076 |
| Cash dividends to net income (ytd only)* | 43.7077% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4840% | 5,488 |
| Loan loss allowance to noncurrent loans | 47.2414% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 3,456 |
| Noncurrent loans to loans | 1.0246% | 1,895 |
| Net loans and leases to total assets | 38.2602% | 5,256 |
| Net loans and leases to deposits | 45.8334% | 5,261 |
| Net loans and leases to core deposits | 47.1145% | 5,283 |
| Total domestic deposits to total assets | 83.4766% | 3,297 |
| Equity capital to assets | 16.4500% | 490 |
| Core capital (leverage) ratio | 16.5211% | 428 |
| Tier 1 risk-based capital ratio | 36.1221% | 299 |
| Total risk-based capital ratio | 36.5372% | 314 |
| Memoranda: | ||
| Average total assets | $72,554,750 | 4,782 |
| Average earning assets | $70,620,000 | 4,700 |
| Average equity | $11,806,750 | 4,214 |
| Average total loans | $26,199,750 | 5,174 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9945% | 5,443 |
| Cost of funding earning assets | 0.2764% | 4,321 |
| Net interest margin | 2.7181% | 5,342 |
| Noninterest income to average assets | 0.0942% | 5,541 |
| Noninterest expense to average assets | 1.6842% | 5,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0389% | 2,253 |
| Return on assets (ROA) | 1.0554% | 2,224 |
| Pretax return on assets | 1.0692% | 3,301 |
| Return on Equity (ROE) | 6.5097% | 3,817 |
| Retained earnings to average equity (ytd only) | 3.4513% | 3,656 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 4,076 |
| Assets per employee ($millions) | 6.4730% | 1,174 |
| Cash dividends to net income (ytd only)* | 46.9816% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4899% | 5,529 |
| Loan loss allowance to noncurrent loans | 69.5652% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 4,090 |
| Noncurrent loans to loans | 0.7042% | 2,642 |
| Net loans and leases to total assets | 36.5167% | 5,360 |
| Net loans and leases to deposits | 43.9585% | 5,345 |
| Net loans and leases to core deposits | 45.0366% | 5,371 |
| Total domestic deposits to total assets | 83.0709% | 3,543 |
| Equity capital to assets | 16.8588% | 421 |
| Core capital (leverage) ratio | 16.2238% | 448 |
| Tier 1 risk-based capital ratio | 38.0736% | 245 |
| Total risk-based capital ratio | 38.4869% | 256 |
| Memoranda: | ||
| Average total assets | $72,200,670 | 4,819 |
| Average earning assets | $70,195,330 | 4,743 |
| Average equity | $11,705,670 | 4,239 |
| Average total loans | $25,498,670 | 5,232 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9072% | 5,535 |
| Cost of funding earning assets | 0.2725% | 4,329 |
| Net interest margin | 2.6346% | 5,445 |
| Noninterest income to average assets | 0.1045% | 5,572 |
| Noninterest expense to average assets | 1.6561% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9907% | 2,347 |
| Return on assets (ROA) | 1.0234% | 2,265 |
| Pretax return on assets | 1.0344% | 3,217 |
| Return on Equity (ROE) | 6.4379% | 3,699 |
| Retained earnings to average equity (ytd only) | 3.9458% | 3,472 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3188% | 4,104 |
| Assets per employee ($millions) | 6.8348% | 1,023 |
| Cash dividends to net income (ytd only)* | 38.7097% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 5,567 |
| Loan loss allowance to noncurrent loans | 68.8172% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 4,221 |
| Noncurrent loans to loans | 0.7737% | 2,530 |
| Net loans and leases to total assets | 31.8037% | 5,544 |
| Net loans and leases to deposits | 37.6919% | 5,532 |
| Net loans and leases to core deposits | 38.5518% | 5,560 |
| Total domestic deposits to total assets | 84.3781% | 3,339 |
| Equity capital to assets | 15.5421% | 564 |
| Core capital (leverage) ratio | 16.0886% | 453 |
| Tier 1 risk-based capital ratio | 39.9945% | 225 |
| Total risk-based capital ratio | 40.4319% | 231 |
| Memoranda: | ||
| Average total assets | $72,699,500 | 4,858 |
| Average earning assets | $70,447,000 | 4,778 |
| Average equity | $11,556,500 | 4,294 |
| Average total loans | $25,183,500 | 5,293 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1282% | 5,379 |
| Cost of funding earning assets | 0.2723% | 4,337 |
| Net interest margin | 2.8558% | 5,204 |
| Noninterest income to average assets | 0.1074% | 5,623 |
| Noninterest expense to average assets | 1.8143% | 5,461 |
| Loan and lease loss provision to assets | 0.0071% | 4,219 |
| Net operating income to assets | 1.0424% | 2,172 |
| Return on assets (ROA) | 1.1431% | 1,813 |
| Pretax return on assets | 1.1587% | 2,860 |
| Return on Equity (ROE) | 6.8023% | 3,579 |
| Retained earnings to average equity (ytd only) | 2.4300% | 4,143 |
| Net charge-offs to loans | 0.0153% | 3,784 |
| Credit loss provision to net charge-offs | 125.0000% | 2,135 |
| Earnings coverage of net charge-offs (x) | 188.2500% | 356 |
| Efficiency ratio | 63.0339% | 4,098 |
| Assets per employee ($millions) | 6.3833% | 1,217 |
| Cash dividends to net income (ytd only)* | 64.2769% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4862% | 5,669 |
| Loan loss allowance to noncurrent loans | 67.7249% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 4,210 |
| Noncurrent loans to loans | 0.7179% | 2,744 |
| Net loans and leases to total assets | 37.3134% | 5,433 |
| Net loans and leases to deposits | 44.6079% | 5,415 |
| Net loans and leases to core deposits | 45.7051% | 5,445 |
| Total domestic deposits to total assets | 83.6476% | 3,555 |
| Equity capital to assets | 16.2755% | 463 |
| Core capital (leverage) ratio | 16.2735% | 432 |
| Tier 1 risk-based capital ratio | 36.6366% | 284 |
| Total risk-based capital ratio | 37.0413% | 292 |
| Memoranda: | ||
| Average total assets | $70,770,000 | 4,921 |
| Average earning assets | $68,666,600 | 4,835 |
| Average equity | $11,893,000 | 4,263 |
| Average total loans | $26,195,600 | 5,309 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1326% | 5,439 |
| Cost of funding earning assets | 0.2675% | 4,419 |
| Net interest margin | 2.8651% | 5,240 |
| Noninterest income to average assets | 0.0996% | 5,719 |
| Noninterest expense to average assets | 1.7901% | 5,528 |
| Loan and lease loss provision to assets | 0.0094% | 4,053 |
| Net operating income to assets | 1.0675% | 2,130 |
| Return on assets (ROA) | 1.2015% | 1,734 |
| Pretax return on assets | 1.2147% | 2,780 |
| Return on Equity (ROE) | 7.0944% | 3,512 |
| Retained earnings to average equity (ytd only) | 4.3188% | 3,247 |
| Net charge-offs to loans | 0.0204% | 3,292 |
| Credit loss provision to net charge-offs | 125.0000% | 2,021 |
| Earnings coverage of net charge-offs (x) | 144.8368% | 479 |
| Efficiency ratio | 62.1816% | 4,197 |
| Assets per employee ($millions) | 6.4003% | 1,176 |
| Cash dividends to net income (ytd only)* | 39.1242% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4826% | 5,743 |
| Loan loss allowance to noncurrent loans | 65.9794% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 4,324 |
| Noncurrent loans to loans | 0.7314% | 2,845 |
| Net loans and leases to total assets | 37.4941% | 5,491 |
| Net loans and leases to deposits | 45.5027% | 5,468 |
| Net loans and leases to core deposits | 46.6353% | 5,490 |
| Total domestic deposits to total assets | 82.3999% | 3,809 |
| Equity capital to assets | 17.5206% | 391 |
| Core capital (leverage) ratio | 16.1652% | 449 |
| Tier 1 risk-based capital ratio | 37.6041% | 271 |
| Total risk-based capital ratio | 38.0159% | 294 |
| Memoranda: | ||
| Average total assets | $70,908,500 | 4,954 |
| Average earning assets | $68,781,250 | 4,869 |
| Average equity | $12,009,250 | 4,290 |
| Average total loans | $26,162,500 | 5,367 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1146% | 5,532 |
| Cost of funding earning assets | 0.2612% | 4,536 |
| Net interest margin | 2.8534% | 5,342 |
| Noninterest income to average assets | 0.1013% | 5,773 |
| Noninterest expense to average assets | 1.8177% | 5,574 |
| Loan and lease loss provision to assets | 0.0141% | 3,827 |
| Net operating income to assets | 1.0251% | 2,273 |
| Return on assets (ROA) | 1.1115% | 2,037 |
| Pretax return on assets | 1.1227% | 3,113 |
| Return on Equity (ROE) | 6.6383% | 3,731 |
| Retained earnings to average equity (ytd only) | 3.9157% | 3,407 |
| Net charge-offs to loans | 0.0307% | 2,855 |
| Credit loss provision to net charge-offs | 125.0000% | 1,802 |
| Earnings coverage of net charge-offs (x) | 93.2500% | 612 |
| Efficiency ratio | 63.3955% | 4,120 |
| Assets per employee ($millions) | 6.4792% | 1,095 |
| Cash dividends to net income (ytd only)* | 41.0127% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4829% | 5,817 |
| Loan loss allowance to noncurrent loans | 81.0127% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 4,353 |
| Noncurrent loans to loans | 0.5961% | 3,278 |
| Net loans and leases to total assets | 37.0094% | 5,558 |
| Net loans and leases to deposits | 44.8032% | 5,538 |
| Net loans and leases to core deposits | 45.1940% | 5,589 |
| Total domestic deposits to total assets | 82.6044% | 3,793 |
| Equity capital to assets | 17.3282% | 390 |
| Core capital (leverage) ratio | 16.2668% | 432 |
| Tier 1 risk-based capital ratio | 37.4351% | 275 |
| Total risk-based capital ratio | 37.8506% | 295 |
| Memoranda: | ||
| Average total assets | $71,077,000 | 5,004 |
| Average earning assets | $68,901,000 | 4,909 |
| Average equity | $11,900,670 | 4,335 |
| Average total loans | $26,041,670 | 5,433 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1036% | 5,606 |
| Cost of funding earning assets | 0.2620% | 4,586 |
| Net interest margin | 2.8416% | 5,410 |
| Noninterest income to average assets | 0.1014% | 5,818 |
| Noninterest expense to average assets | 1.9442% | 5,445 |
| Loan and lease loss provision to assets | 0.0282% | 3,285 |
| Net operating income to assets | 0.8752% | 2,874 |
| Return on assets (ROA) | 1.0482% | 2,202 |
| Pretax return on assets | 1.0538% | 3,262 |
| Return on Equity (ROE) | 6.3720% | 3,793 |
| Retained earnings to average equity (ytd only) | 4.4878% | 3,244 |
| Net charge-offs to loans | 0.0465% | 2,094 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 839 |
| Efficiency ratio | 68.1818% | 3,436 |
| Assets per employee ($millions) | 5.8531% | 1,529 |
| Cash dividends to net income (ytd only)* | 29.5699% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5064% | 5,861 |
| Loan loss allowance to noncurrent loans | 66.8394% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 4,201 |
| Noncurrent loans to loans | 0.7576% | 2,939 |
| Net loans and leases to total assets | 36.0878% | 5,633 |
| Net loans and leases to deposits | 43.4739% | 5,613 |
| Net loans and leases to core deposits | 43.8560% | 5,658 |
| Total domestic deposits to total assets | 83.0104% | 3,890 |
| Equity capital to assets | 16.8871% | 430 |
| Core capital (leverage) ratio | 16.2541% | 440 |
| Tier 1 risk-based capital ratio | 37.5107% | 279 |
| Total risk-based capital ratio | 37.9340% | 292 |
| Memoranda: | ||
| Average total assets | $70,980,000 | 5,048 |
| Average earning assets | $68,694,000 | 4,961 |
| Average equity | $11,676,000 | 4,390 |
| Average total loans | $25,810,000 | 5,489 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9854% | 5,739 |
| Cost of funding earning assets | 0.2839% | 4,430 |
| Net interest margin | 2.7015% | 5,643 |
| Noninterest income to average assets | 0.1185% | 5,810 |
| Noninterest expense to average assets | 1.7979% | 5,740 |
| Loan and lease loss provision to assets | 0.0327% | 3,711 |
| Net operating income to assets | 0.8927% | 2,914 |
| Return on assets (ROA) | 1.0869% | 2,050 |
| Pretax return on assets | 1.1019% | 3,053 |
| Return on Equity (ROE) | 6.8958% | 3,564 |
| Retained earnings to average equity (ytd only) | 2.5751% | 4,237 |
| Net charge-offs to loans | 0.0434% | 3,345 |
| Credit loss provision to net charge-offs | 218.1818% | 1,299 |
| Earnings coverage of net charge-offs (x) | 62.6364% | 845 |
| Efficiency ratio | 65.7043% | 3,950 |
| Assets per employee ($millions) | 5.9769% | 1,407 |
| Cash dividends to net income (ytd only)* | 62.6566% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4858% | 5,931 |
| Loan loss allowance to noncurrent loans | 72.1591% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,611 |
| Noncurrent loans to loans | 0.6732% | 3,176 |
| Net loans and leases to total assets | 36.2743% | 5,699 |
| Net loans and leases to deposits | 43.2334% | 5,676 |
| Net loans and leases to core deposits | 43.6007% | 5,727 |
| Total domestic deposits to total assets | 83.9034% | 3,517 |
| Equity capital to assets | 16.0214% | 520 |
| Core capital (leverage) ratio | 15.6397% | 512 |
| Tier 1 risk-based capital ratio | 36.4117% | 297 |
| Total risk-based capital ratio | 36.8209% | 316 |
| Memoranda: | ||
| Average total assets | $73,418,800 | 5,003 |
| Average earning assets | $71,145,200 | 4,913 |
| Average equity | $11,572,200 | 4,378 |
| Average total loans | $25,321,400 | 5,543 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9372% | 5,864 |
| Cost of funding earning assets | 0.2919% | 4,428 |
| Net interest margin | 2.6454% | 5,790 |
| Noninterest income to average assets | 0.1119% | 5,906 |
| Noninterest expense to average assets | 1.7478% | 5,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9213% | 2,851 |
| Return on assets (ROA) | 1.1393% | 1,937 |
| Pretax return on assets | 1.1538% | 2,999 |
| Return on Equity (ROE) | 7.2574% | 3,490 |
| Retained earnings to average equity (ytd only) | 4.6236% | 3,184 |
| Net charge-offs to loans | 0.0053% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 518.2857% | 134 |
| Efficiency ratio | 65.1852% | 4,033 |
| Assets per employee ($millions) | 6.1112% | 1,291 |
| Cash dividends to net income (ytd only)* | 36.2922% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4403% | 6,060 |
| Loan loss allowance to noncurrent loans | 42.8030% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 4,334 |
| Noncurrent loans to loans | 1.0286% | 2,422 |
| Net loans and leases to total assets | 34.8433% | 5,825 |
| Net loans and leases to deposits | 41.6177% | 5,815 |
| Net loans and leases to core deposits | 42.4868% | 5,841 |
| Total domestic deposits to total assets | 83.7224% | 3,531 |
| Equity capital to assets | 16.1903% | 533 |
| Core capital (leverage) ratio | 15.5336% | 551 |
| Tier 1 risk-based capital ratio | 37.5527% | 293 |
| Total risk-based capital ratio | 37.9248% | 309 |
| Memoranda: | ||
| Average total assets | $73,842,750 | 5,056 |
| Average earning assets | $71,721,500 | 4,956 |
| Average equity | $11,592,500 | 4,427 |
| Average total loans | $25,115,750 | 5,610 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8984% | 5,944 |
| Cost of funding earning assets | 0.2979% | 4,420 |
| Net interest margin | 2.6005% | 5,884 |
| Noninterest income to average assets | 0.1162% | 5,962 |
| Noninterest expense to average assets | 1.7457% | 5,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8869% | 2,955 |
| Return on assets (ROA) | 1.2133% | 1,642 |
| Pretax return on assets | 1.2241% | 2,678 |
| Return on Equity (ROE) | 7.8094% | 3,161 |
| Retained earnings to average equity (ytd only) | 4.6613% | 3,072 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1208% | 3,987 |
| Assets per employee ($millions) | 5.9750% | 1,374 |
| Cash dividends to net income (ytd only)* | 40.3118% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4585% | 6,124 |
| Loan loss allowance to noncurrent loans | 61.9565% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 4,840 |
| Noncurrent loans to loans | 0.7401% | 3,261 |
| Net loans and leases to total assets | 34.5174% | 5,884 |
| Net loans and leases to deposits | 41.1550% | 5,870 |
| Net loans and leases to core deposits | 42.0322% | 5,893 |
| Total domestic deposits to total assets | 83.8717% | 3,626 |
| Equity capital to assets | 16.0460% | 526 |
| Core capital (leverage) ratio | 15.3463% | 571 |
| Tier 1 risk-based capital ratio | 38.5708% | 282 |
| Total risk-based capital ratio | 38.9610% | 296 |
| Memoranda: | ||
| Average total assets | $74,012,330 | 5,103 |
| Average earning assets | $71,833,330 | 5,004 |
| Average equity | $11,499,000 | 4,471 |
| Average total loans | $24,932,670 | 5,664 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8324% | 6,048 |
| Cost of funding earning assets | 0.2964% | 4,481 |
| Net interest margin | 2.5360% | 5,979 |
| Noninterest income to average assets | 0.1011% | 6,077 |
| Noninterest expense to average assets | 1.7401% | 5,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8142% | 3,191 |
| Return on assets (ROA) | 1.4634% | 975 |
| Pretax return on assets | 1.4687% | 1,666 |
| Return on Equity (ROE) | 9.5685% | 2,193 |
| Retained earnings to average equity (ytd only) | 7.7592% | 1,661 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9834% | 3,828 |
| Assets per employee ($millions) | 6.2489% | 1,226 |
| Cash dividends to net income (ytd only)* | 18.9091% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4718% | 6,190 |
| Loan loss allowance to noncurrent loans | 70.8075% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 5,087 |
| Noncurrent loans to loans | 0.6663% | 3,615 |
| Net loans and leases to total assets | 32.0709% | 5,996 |
| Net loans and leases to deposits | 38.1343% | 5,983 |
| Net loans and leases to core deposits | 38.4421% | 6,025 |
| Total domestic deposits to total assets | 84.0999% | 3,784 |
| Equity capital to assets | 15.8027% | 566 |
| Core capital (leverage) ratio | 14.7966% | 636 |
| Tier 1 risk-based capital ratio | 39.3818% | 268 |
| Total risk-based capital ratio | 39.7818% | 275 |
| Memoranda: | ||
| Average total assets | $75,168,500 | 5,128 |
| Average earning assets | $72,872,000 | 5,030 |
| Average equity | $11,496,000 | 4,507 |
| Average total loans | $24,967,500 | 5,716 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9348% | 6,107 |
| Cost of funding earning assets | 0.3426% | 4,335 |
| Net interest margin | 2.5922% | 6,087 |
| Noninterest income to average assets | 0.1236% | 6,074 |
| Noninterest expense to average assets | 1.6771% | 6,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9620% | 2,572 |
| Return on assets (ROA) | 1.0844% | 2,089 |
| Pretax return on assets | 1.0962% | 3,100 |
| Return on Equity (ROE) | 7.6251% | 3,310 |
| Retained earnings to average equity (ytd only) | 3.6231% | 3,642 |
| Net charge-offs to loans | 0.0508% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 56.9231% | 830 |
| Efficiency ratio | 63.2937% | 4,708 |
| Assets per employee ($millions) | 6.2792% | 1,197 |
| Cash dividends to net income (ytd only)* | 52.4848% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4423% | 6,306 |
| Loan loss allowance to noncurrent loans | 67.8571% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 5,136 |
| Noncurrent loans to loans | 0.6519% | 3,730 |
| Net loans and leases to total assets | 34.0518% | 6,031 |
| Net loans and leases to deposits | 40.0075% | 6,036 |
| Net loans and leases to core deposits | 40.3244% | 6,091 |
| Total domestic deposits to total assets | 85.1135% | 3,239 |
| Equity capital to assets | 14.7870% | 741 |
| Core capital (leverage) ratio | 14.5375% | 696 |
| Tier 1 risk-based capital ratio | 36.5090% | 300 |
| Total risk-based capital ratio | 36.8873% | 316 |
| Memoranda: | ||
| Average total assets | $76,082,000 | 5,152 |
| Average earning assets | $74,145,200 | 5,037 |
| Average equity | $10,819,600 | 4,597 |
| Average total loans | $25,572,200 | 5,754 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9202% | 6,189 |
| Cost of funding earning assets | 0.3520% | 4,324 |
| Net interest margin | 2.5682% | 6,161 |
| Noninterest income to average assets | 0.1171% | 6,179 |
| Noninterest expense to average assets | 1.6241% | 6,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9824% | 2,530 |
| Return on assets (ROA) | 1.1451% | 1,943 |
| Pretax return on assets | 1.1573% | 2,960 |
| Return on Equity (ROE) | 8.1321% | 3,137 |
| Retained earnings to average equity (ytd only) | 5.4380% | 2,801 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0574% | 4,879 |
| Assets per employee ($millions) | 6.3366% | 1,122 |
| Cash dividends to net income (ytd only)* | 33.1303% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4939% | 6,347 |
| Loan loss allowance to noncurrent loans | 54.2735% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 5,035 |
| Noncurrent loans to loans | 0.9100% | 3,285 |
| Net loans and leases to total assets | 33.6498% | 6,127 |
| Net loans and leases to deposits | 39.4818% | 6,129 |
| Net loans and leases to core deposits | 39.7907% | 6,185 |
| Total domestic deposits to total assets | 85.2286% | 3,250 |
| Equity capital to assets | 14.6530% | 820 |
| Core capital (leverage) ratio | 14.4766% | 732 |
| Tier 1 risk-based capital ratio | 36.2194% | 318 |
| Total risk-based capital ratio | 36.6357% | 341 |
| Memoranda: | ||
| Average total assets | $76,265,000 | 5,201 |
| Average earning assets | $74,238,750 | 5,091 |
| Average equity | $10,739,000 | 4,640 |
| Average total loans | $25,522,250 | 5,816 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8941% | 6,261 |
| Cost of funding earning assets | 0.3601% | 4,323 |
| Net interest margin | 2.5340% | 6,235 |
| Noninterest income to average assets | 0.1074% | 6,260 |
| Noninterest expense to average assets | 1.6322% | 6,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9372% | 2,613 |
| Return on assets (ROA) | 1.1292% | 1,917 |
| Pretax return on assets | 1.1396% | 2,932 |
| Return on Equity (ROE) | 8.1285% | 3,024 |
| Retained earnings to average equity (ytd only) | 5.2618% | 2,788 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3130% | 4,801 |
| Assets per employee ($millions) | 6.3148% | 1,106 |
| Cash dividends to net income (ytd only)* | 35.2668% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5229% | 6,392 |
| Loan loss allowance to noncurrent loans | 50.3968% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 5,045 |
| Noncurrent loans to loans | 1.0376% | 3,160 |
| Net loans and leases to total assets | 31.8826% | 6,247 |
| Net loans and leases to deposits | 37.3047% | 6,249 |
| Net loans and leases to core deposits | 38.1904% | 6,269 |
| Total domestic deposits to total assets | 85.4654% | 3,303 |
| Equity capital to assets | 14.4527% | 831 |
| Core capital (leverage) ratio | 13.9807% | 836 |
| Tier 1 risk-based capital ratio | 38.1647% | 278 |
| Total risk-based capital ratio | 38.6098% | 286 |
| Memoranda: | ||
| Average total assets | $76,340,330 | 5,243 |
| Average earning assets | $74,427,670 | 5,125 |
| Average equity | $10,604,670 | 4,682 |
| Average total loans | $25,458,330 | 5,858 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8746% | 6,344 |
| Cost of funding earning assets | 0.3701% | 4,311 |
| Net interest margin | 2.5046% | 6,331 |
| Noninterest income to average assets | 0.0940% | 6,351 |
| Noninterest expense to average assets | 1.6288% | 6,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8979% | 2,666 |
| Return on assets (ROA) | 1.1381% | 1,742 |
| Pretax return on assets | 1.1433% | 2,722 |
| Return on Equity (ROE) | 8.3597% | 2,755 |
| Retained earnings to average equity (ytd only) | 6.7875% | 2,152 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3299% | 4,806 |
| Assets per employee ($millions) | 6.4641% | 1,033 |
| Cash dividends to net income (ytd only)* | 18.8073% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5190% | 6,489 |
| Loan loss allowance to noncurrent loans | 51.8367% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 5,202 |
| Noncurrent loans to loans | 1.0011% | 3,415 |
| Net loans and leases to total assets | 31.3850% | 6,285 |
| Net loans and leases to deposits | 36.4130% | 6,301 |
| Net loans and leases to core deposits | 36.6885% | 6,345 |
| Total domestic deposits to total assets | 86.1916% | 3,260 |
| Equity capital to assets | 13.7117% | 1,034 |
| Core capital (leverage) ratio | 13.8895% | 855 |
| Tier 1 risk-based capital ratio | 38.2767% | 267 |
| Total risk-based capital ratio | 38.7274% | 276 |
| Memoranda: | ||
| Average total assets | $76,621,500 | 5,287 |
| Average earning assets | $74,584,000 | 5,156 |
| Average equity | $10,431,000 | 4,744 |
| Average total loans | $26,044,000 | 5,894 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9769% | 6,364 |
| Cost of funding earning assets | 0.4585% | 4,037 |
| Net interest margin | 2.5184% | 6,359 |
| Noninterest income to average assets | 0.1410% | 6,239 |
| Noninterest expense to average assets | 1.7037% | 6,442 |
| Loan and lease loss provision to assets | 0.0201% | 4,735 |
| Net operating income to assets | 0.8565% | 2,996 |
| Return on assets (ROA) | 0.8565% | 3,076 |
| Pretax return on assets | 0.8727% | 3,880 |
| Return on Equity (ROE) | 6.0280% | 4,064 |
| Retained earnings to average equity (ytd only) | 2.4187% | 4,528 |
| Net charge-offs to loans | 0.0150% | 5,147 |
| Credit loss provision to net charge-offs | 375.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 166.2500% | 282 |
| Efficiency ratio | 65.6153% | 4,634 |
| Assets per employee ($millions) | 6.3062% | 1,081 |
| Cash dividends to net income (ytd only)* | 59.8746% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4599% | 6,599 |
| Loan loss allowance to noncurrent loans | 47.0370% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 5,184 |
| Noncurrent loans to loans | 0.9777% | 3,569 |
| Net loans and leases to total assets | 36.3256% | 6,184 |
| Net loans and leases to deposits | 42.0482% | 6,223 |
| Net loans and leases to core deposits | 42.3729% | 6,293 |
| Total domestic deposits to total assets | 86.3903% | 3,051 |
| Equity capital to assets | 13.5132% | 1,061 |
| Core capital (leverage) ratio | 14.2753% | 751 |
| Tier 1 risk-based capital ratio | 34.3566% | 352 |
| Total risk-based capital ratio | 34.7678% | 372 |
| Memoranda: | ||
| Average total assets | $74,485,200 | 5,365 |
| Average earning assets | $72,625,400 | 5,233 |
| Average equity | $10,584,000 | 4,726 |
| Average total loans | $26,650,800 | 5,903 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9732% | 6,443 |
| Cost of funding earning assets | 0.4734% | 4,034 |
| Net interest margin | 2.4997% | 6,427 |
| Noninterest income to average assets | 0.1312% | 6,363 |
| Noninterest expense to average assets | 1.6660% | 6,499 |
| Loan and lease loss provision to assets | 0.0270% | 4,469 |
| Net operating income to assets | 0.8626% | 3,034 |
| Return on assets (ROA) | 0.8626% | 3,143 |
| Pretax return on assets | 0.8770% | 3,979 |
| Return on Equity (ROE) | 5.9960% | 4,188 |
| Retained earnings to average equity (ytd only) | 3.9349% | 3,890 |
| Net charge-offs to loans | 0.0202% | 4,730 |
| Credit loss provision to net charge-offs | 375.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 125.8255% | 420 |
| Efficiency ratio | 64.8252% | 4,673 |
| Assets per employee ($millions) | 6.0408% | 1,216 |
| Cash dividends to net income (ytd only)* | 34.3745% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4802% | 6,671 |
| Loan loss allowance to noncurrent loans | 48.8462% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 5,334 |
| Noncurrent loans to loans | 0.9830% | 3,844 |
| Net loans and leases to total assets | 36.3117% | 6,267 |
| Net loans and leases to deposits | 42.4946% | 6,282 |
| Net loans and leases to core deposits | 42.8404% | 6,359 |
| Total domestic deposits to total assets | 85.4502% | 3,521 |
| Equity capital to assets | 14.4450% | 839 |
| Core capital (leverage) ratio | 14.6063% | 711 |
| Tier 1 risk-based capital ratio | 35.7495% | 317 |
| Total risk-based capital ratio | 36.1751% | 332 |
| Memoranda: | ||
| Average total assets | $74,188,000 | 5,426 |
| Average earning assets | $72,379,250 | 5,297 |
| Average equity | $10,673,500 | 4,761 |
| Average total loans | $26,409,500 | 5,979 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9388% | 6,500 |
| Cost of funding earning assets | 0.4825% | 4,064 |
| Net interest margin | 2.4563% | 6,492 |
| Noninterest income to average assets | 0.1231% | 6,438 |
| Noninterest expense to average assets | 1.6721% | 6,531 |
| Loan and lease loss provision to assets | 0.0214% | 4,471 |
| Net operating income to assets | 0.8133% | 3,224 |
| Return on assets (ROA) | 0.8133% | 3,378 |
| Pretax return on assets | 0.8267% | 4,211 |
| Return on Equity (ROE) | 5.6606% | 4,368 |
| Retained earnings to average equity (ytd only) | 3.3516% | 4,183 |
| Net charge-offs to loans | 0.0379% | 4,151 |
| Credit loss provision to net charge-offs | 160.0000% | 1,453 |
| Earnings coverage of net charge-offs (x) | 63.4000% | 676 |
| Efficiency ratio | 66.3482% | 4,488 |
| Assets per employee ($millions) | 6.0825% | 1,145 |
| Cash dividends to net income (ytd only)* | 40.7895% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4757% | 6,722 |
| Loan loss allowance to noncurrent loans | 44.7368% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 5,397 |
| Noncurrent loans to loans | 1.0633% | 3,800 |
| Net loans and leases to total assets | 34.1102% | 6,409 |
| Net loans and leases to deposits | 39.7481% | 6,414 |
| Net loans and leases to core deposits | 40.3923% | 6,459 |
| Total domestic deposits to total assets | 85.8159% | 3,468 |
| Equity capital to assets | 14.0841% | 944 |
| Core capital (leverage) ratio | 13.7588% | 895 |
| Tier 1 risk-based capital ratio | 37.1675% | 283 |
| Total risk-based capital ratio | 37.5873% | 293 |
| Memoranda: | ||
| Average total assets | $74,754,330 | 5,447 |
| Average earning assets | $72,954,000 | 5,309 |
| Average equity | $10,741,000 | 4,785 |
| Average total loans | $26,396,330 | 6,004 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8410% | 6,655 |
| Cost of funding earning assets | 0.4934% | 4,148 |
| Net interest margin | 2.3476% | 6,646 |
| Noninterest income to average assets | 0.1111% | 6,536 |
| Noninterest expense to average assets | 1.6288% | 6,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7668% | 3,346 |
| Return on assets (ROA) | 0.7668% | 3,491 |
| Pretax return on assets | 0.7721% | 4,287 |
| Return on Equity (ROE) | 5.2864% | 4,411 |
| Retained earnings to average equity (ytd only) | 3.3906% | 4,223 |
| Net charge-offs to loans | -0.0295% | 5,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8414% | 4,334 |
| Assets per employee ($millions) | 6.4058% | 1,022 |
| Cash dividends to net income (ytd only)* | 35.8621% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4602% | 6,821 |
| Loan loss allowance to noncurrent loans | 41.5493% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 5,480 |
| Noncurrent loans to loans | 1.1076% | 3,933 |
| Net loans and leases to total assets | 33.2041% | 6,459 |
| Net loans and leases to deposits | 38.8068% | 6,469 |
| Net loans and leases to core deposits | 39.7112% | 6,494 |
| Total domestic deposits to total assets | 85.5626% | 3,763 |
| Equity capital to assets | 14.3294% | 926 |
| Core capital (leverage) ratio | 13.4892% | 949 |
| Tier 1 risk-based capital ratio | 36.7158% | 299 |
| Total risk-based capital ratio | 37.1305% | 311 |
| Memoranda: | ||
| Average total assets | $75,636,500 | 5,468 |
| Average earning assets | $73,777,500 | 5,327 |
| Average equity | $10,971,500 | 4,775 |
| Average total loans | $27,086,500 | 6,024 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2744% | 6,607 |
| Cost of funding earning assets | 0.6026% | 4,328 |
| Net interest margin | 2.6719% | 6,559 |
| Noninterest income to average assets | 0.1674% | 6,195 |
| Noninterest expense to average assets | 1.8548% | 6,547 |
| Loan and lease loss provision to assets | 0.0508% | 5,181 |
| Net operating income to assets | 0.8448% | 3,068 |
| Return on assets (ROA) | 1.0838% | 2,184 |
| Pretax return on assets | 1.0948% | 3,176 |
| Return on Equity (ROE) | 7.2769% | 3,478 |
| Retained earnings to average equity (ytd only) | 2.3489% | 4,580 |
| Net charge-offs to loans | 0.0210% | 5,609 |
| Credit loss provision to net charge-offs | 616.6667% | 396 |
| Earnings coverage of net charge-offs (x) | 109.8333% | 350 |
| Efficiency ratio | 67.2302% | 4,287 |
| Assets per employee ($millions) | 6.2003% | 1,167 |
| Cash dividends to net income (ytd only)* | 67.7215% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4031% | 6,895 |
| Loan loss allowance to noncurrent loans | 39.3836% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 5,505 |
| Noncurrent loans to loans | 1.0234% | 4,157 |
| Net loans and leases to total assets | 38.1920% | 6,289 |
| Net loans and leases to deposits | 44.8202% | 6,321 |
| Net loans and leases to core deposits | 45.1743% | 6,412 |
| Total domestic deposits to total assets | 85.2116% | 3,759 |
| Equity capital to assets | 14.6876% | 827 |
| Core capital (leverage) ratio | 14.2956% | 722 |
| Tier 1 risk-based capital ratio | 33.1338% | 399 |
| Total risk-based capital ratio | 33.5019% | 414 |
| Memoranda: | ||
| Average total assets | $72,892,000 | 5,553 |
| Average earning assets | $70,699,200 | 5,402 |
| Average equity | $10,856,200 | 4,791 |
| Average total loans | $28,608,000 | 6,014 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3096% | 6,720 |
| Cost of funding earning assets | 0.6224% | 4,429 |
| Net interest margin | 2.6872% | 6,663 |
| Noninterest income to average assets | 0.1563% | 6,370 |
| Noninterest expense to average assets | 1.7835% | 6,695 |
| Loan and lease loss provision to assets | 0.0515% | 5,112 |
| Net operating income to assets | 0.9189% | 2,887 |
| Return on assets (ROA) | 1.2393% | 1,777 |
| Pretax return on assets | 1.2485% | 2,797 |
| Return on Equity (ROE) | 8.2914% | 3,139 |
| Retained earnings to average equity (ytd only) | 5.2775% | 3,173 |
| Net charge-offs to loans | 0.0233% | 5,340 |
| Credit loss provision to net charge-offs | 560.0000% | 476 |
| Earnings coverage of net charge-offs (x) | 106.1439% | 399 |
| Efficiency ratio | 64.6236% | 4,694 |
| Assets per employee ($millions) | 5.9629% | 1,274 |
| Cash dividends to net income (ytd only)* | 36.3505% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3839% | 7,019 |
| Loan loss allowance to noncurrent loans | 36.8966% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 5,679 |
| Noncurrent loans to loans | 1.0404% | 4,361 |
| Net loans and leases to total assets | 38.8051% | 6,369 |
| Net loans and leases to deposits | 46.0374% | 6,379 |
| Net loans and leases to core deposits | 46.4191% | 6,493 |
| Total domestic deposits to total assets | 84.2904% | 4,084 |
| Equity capital to assets | 15.6020% | 688 |
| Core capital (leverage) ratio | 14.9011% | 627 |
| Tier 1 risk-based capital ratio | 34.2152% | 378 |
| Total risk-based capital ratio | 34.5630% | 397 |
| Memoranda: | ||
| Average total assets | $72,514,250 | 5,621 |
| Average earning assets | $70,258,250 | 5,478 |
| Average equity | $10,838,250 | 4,841 |
| Average total loans | $28,627,250 | 6,084 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3189% | 6,803 |
| Cost of funding earning assets | 0.6389% | 4,541 |
| Net interest margin | 2.6800% | 6,729 |
| Noninterest income to average assets | 0.1620% | 6,368 |
| Noninterest expense to average assets | 1.7712% | 6,783 |
| Loan and lease loss provision to assets | 0.0494% | 5,056 |
| Net operating income to assets | 0.9412% | 2,707 |
| Return on assets (ROA) | 1.4197% | 1,284 |
| Pretax return on assets | 1.4279% | 2,095 |
| Return on Equity (ROE) | 9.6368% | 2,519 |
| Retained earnings to average equity (ytd only) | 7.1018% | 2,045 |
| Net charge-offs to loans | 0.0208% | 5,117 |
| Credit loss provision to net charge-offs | 600.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 120.6667% | 364 |
| Efficiency ratio | 64.0516% | 4,894 |
| Assets per employee ($millions) | 5.8678% | 1,318 |
| Cash dividends to net income (ytd only)* | 26.3056% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3506% | 7,099 |
| Loan loss allowance to noncurrent loans | 33.4459% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 5,732 |
| Noncurrent loans to loans | 1.0482% | 4,423 |
| Net loans and leases to total assets | 39.9656% | 6,345 |
| Net loans and leases to deposits | 47.4002% | 6,345 |
| Net loans and leases to core deposits | 47.7987% | 6,473 |
| Total domestic deposits to total assets | 84.3154% | 4,184 |
| Equity capital to assets | 15.5781% | 667 |
| Core capital (leverage) ratio | 14.1863% | 759 |
| Tier 1 risk-based capital ratio | 33.4056% | 391 |
| Total risk-based capital ratio | 33.7212% | 412 |
| Memoranda: | ||
| Average total assets | $72,834,000 | 5,642 |
| Average earning assets | $70,747,000 | 5,501 |
| Average equity | $10,729,670 | 4,870 |
| Average total loans | $28,878,330 | 6,118 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2333% | 6,928 |
| Cost of funding earning assets | 0.6533% | 4,699 |
| Net interest margin | 2.5800% | 6,888 |
| Noninterest income to average assets | 0.1567% | 6,452 |
| Noninterest expense to average assets | 1.7233% | 6,878 |
| Loan and lease loss provision to assets | 0.0432% | 4,857 |
| Net operating income to assets | 0.9022% | 2,901 |
| Return on assets (ROA) | 0.9022% | 3,128 |
| Pretax return on assets | 0.9076% | 4,006 |
| Return on Equity (ROE) | 6.2959% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.8077% | 4,302 |
| Net charge-offs to loans | 0.0274% | 4,302 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 383 |
| Efficiency ratio | 64.4444% | 4,840 |
| Assets per employee ($millions) | 6.3251% | 1,075 |
| Cash dividends to net income (ytd only)* | 39.5210% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3233% | 7,165 |
| Loan loss allowance to noncurrent loans | 30.2013% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 5,888 |
| Noncurrent loans to loans | 1.0706% | 4,560 |
| Net loans and leases to total assets | 36.5555% | 6,588 |
| Net loans and leases to deposits | 42.6134% | 6,625 |
| Net loans and leases to core deposits | 42.9385% | 6,704 |
| Total domestic deposits to total assets | 85.7841% | 3,645 |
| Equity capital to assets | 14.0920% | 993 |
| Core capital (leverage) ratio | 13.5762% | 919 |
| Tier 1 risk-based capital ratio | 33.3606% | 384 |
| Total risk-based capital ratio | 33.6550% | 408 |
| Memoranda: | ||
| Average total assets | $74,044,500 | 5,648 |
| Average earning assets | $72,249,000 | 5,489 |
| Average equity | $10,610,000 | 4,902 |
| Average total loans | $29,197,500 | 6,153 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4923% | 7,000 |
| Cost of funding earning assets | 0.8367% | 4,567 |
| Net interest margin | 2.6556% | 6,967 |
| Noninterest income to average assets | 0.1749% | 6,242 |
| Noninterest expense to average assets | 1.8197% | 6,934 |
| Loan and lease loss provision to assets | 0.0113% | 6,394 |
| Net operating income to assets | 0.9107% | 2,557 |
| Return on assets (ROA) | 0.9973% | 2,353 |
| Pretax return on assets | 1.0058% | 3,226 |
| Return on Equity (ROE) | 6.8701% | 3,454 |
| Retained earnings to average equity (ytd only) | 2.5265% | 4,428 |
| Net charge-offs to loans | 0.0071% | 6,331 |
| Credit loss provision to net charge-offs | 400.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 329.5000% | 110 |
| Efficiency ratio | 66.1878% | 4,734 |
| Assets per employee ($millions) | 6.0157% | 1,219 |
| Cash dividends to net income (ytd only)* | 63.2249% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2749% | 7,232 |
| Loan loss allowance to noncurrent loans | 23.0137% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 5,704 |
| Noncurrent loans to loans | 1.1944% | 4,378 |
| Net loans and leases to total assets | 42.2162% | 6,366 |
| Net loans and leases to deposits | 49.4957% | 6,398 |
| Net loans and leases to core deposits | 49.8944% | 6,535 |
| Total domestic deposits to total assets | 85.2926% | 3,695 |
| Equity capital to assets | 14.5786% | 874 |
| Core capital (leverage) ratio | 14.1134% | 797 |
| Tier 1 risk-based capital ratio | 30.6502% | 484 |
| Total risk-based capital ratio | 30.9051% | 522 |
| Memoranda: | ||
| Average total assets | $70,891,800 | 5,719 |
| Average earning assets | $68,723,000 | 5,581 |
| Average equity | $10,291,000 | 4,946 |
| Average total loans | $28,233,400 | 6,241 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5251% | 7,072 |
| Cost of funding earning assets | 0.8749% | 4,593 |
| Net interest margin | 2.6502% | 7,030 |
| Noninterest income to average assets | 0.1530% | 6,491 |
| Noninterest expense to average assets | 1.7817% | 7,014 |
| Loan and lease loss provision to assets | 0.0095% | 6,313 |
| Net operating income to assets | 0.9156% | 2,686 |
| Return on assets (ROA) | 1.0316% | 2,368 |
| Pretax return on assets | 1.0429% | 3,237 |
| Return on Equity (ROE) | 7.1142% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.0685% | 3,128 |
| Net charge-offs to loans | 0.0193% | 5,884 |
| Credit loss provision to net charge-offs | 125.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 123.8236% | 297 |
| Efficiency ratio | 65.5772% | 4,792 |
| Assets per employee ($millions) | 6.0298% | 1,185 |
| Cash dividends to net income (ytd only)* | 28.7549% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2930% | 7,291 |
| Loan loss allowance to noncurrent loans | 30.5344% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 6,175 |
| Noncurrent loans to loans | 0.9596% | 4,965 |
| Net loans and leases to total assets | 37.6218% | 6,794 |
| Net loans and leases to deposits | 44.1944% | 6,822 |
| Net loans and leases to core deposits | 44.5495% | 6,902 |
| Total domestic deposits to total assets | 85.1279% | 3,711 |
| Equity capital to assets | 14.7408% | 919 |
| Core capital (leverage) ratio | 14.4217% | 787 |
| Tier 1 risk-based capital ratio | 34.0254% | 384 |
| Total risk-based capital ratio | 34.2916% | 412 |
| Memoranda: | ||
| Average total assets | $70,567,750 | 5,768 |
| Average earning assets | $68,270,500 | 5,644 |
| Average equity | $10,232,750 | 4,984 |
| Average total loans | $27,652,000 | 6,322 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 7,145 |
| Cost of funding earning assets | 0.9102% | 4,584 |
| Net interest margin | 2.6182% | 7,106 |
| Noninterest income to average assets | 0.1286% | 6,679 |
| Noninterest expense to average assets | 1.8179% | 7,063 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8261% | 2,959 |
| Return on assets (ROA) | 0.8261% | 3,068 |
| Pretax return on assets | 0.8432% | 3,857 |
| Return on Equity (ROE) | 5.7294% | 4,093 |
| Retained earnings to average equity (ytd only) | 4.1434% | 3,560 |
| Net charge-offs to loans | 0.0072% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 295.0000% | 118 |
| Efficiency ratio | 68.3136% | 4,461 |
| Assets per employee ($millions) | 5.8274% | 1,284 |
| Cash dividends to net income (ytd only)* | 27.6817% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2863% | 7,358 |
| Loan loss allowance to noncurrent loans | 28.8889% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 6,167 |
| Noncurrent loans to loans | 0.9910% | 5,007 |
| Net loans and leases to total assets | 38.8508% | 6,813 |
| Net loans and leases to deposits | 45.7443% | 6,839 |
| Net loans and leases to core deposits | 46.5987% | 6,905 |
| Total domestic deposits to total assets | 84.9304% | 3,906 |
| Equity capital to assets | 14.9237% | 838 |
| Core capital (leverage) ratio | 14.0575% | 857 |
| Tier 1 risk-based capital ratio | 33.8556% | 388 |
| Total risk-based capital ratio | 34.1184% | 410 |
| Memoranda: | ||
| Average total assets | $69,971,330 | 5,828 |
| Average earning assets | $67,679,670 | 5,710 |
| Average equity | $10,088,330 | 5,030 |
| Average total loans | $27,768,670 | 6,376 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4462% | 7,238 |
| Cost of funding earning assets | 0.9367% | 4,673 |
| Net interest margin | 2.5096% | 7,193 |
| Noninterest income to average assets | 0.1143% | 6,839 |
| Noninterest expense to average assets | 1.8631% | 7,053 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6515% | 3,746 |
| Return on assets (ROA) | 0.6515% | 3,820 |
| Pretax return on assets | 0.6858% | 4,356 |
| Return on Equity (ROE) | 4.5993% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.2276% | 4,238 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0942% | 3,662 |
| Assets per employee ($millions) | 6.0094% | 1,186 |
| Cash dividends to net income (ytd only)* | 29.8246% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2918% | 7,410 |
| Loan loss allowance to noncurrent loans | 29.7710% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 6,300 |
| Noncurrent loans to loans | 0.9801% | 5,085 |
| Net loans and leases to total assets | 36.9614% | 6,958 |
| Net loans and leases to deposits | 42.9633% | 6,988 |
| Net loans and leases to core deposits | 43.3032% | 7,063 |
| Total domestic deposits to total assets | 86.0303% | 3,514 |
| Equity capital to assets | 13.7950% | 1,069 |
| Core capital (leverage) ratio | 13.6390% | 927 |
| Tier 1 risk-based capital ratio | 34.6142% | 357 |
| Total risk-based capital ratio | 34.8864% | 377 |
| Memoranda: | ||
| Average total assets | $69,992,500 | 5,867 |
| Average earning assets | $67,900,000 | 5,735 |
| Average equity | $9,914,500 | 5,065 |
| Average total loans | $28,030,000 | 6,416 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 7,185 |
| Cost of funding earning assets | 1.1855% | 4,646 |
| Net interest margin | 2.7371% | 7,094 |
| Noninterest income to average assets | 0.2431% | 6,060 |
| Noninterest expense to average assets | 2.0610% | 6,928 |
| Loan and lease loss provision to assets | 0.0194% | 6,920 |
| Net operating income to assets | 0.8135% | 2,739 |
| Return on assets (ROA) | 0.8814% | 2,600 |
| Pretax return on assets | 0.8858% | 3,350 |
| Return on Equity (ROE) | 5.8850% | 3,663 |
| Retained earnings to average equity (ytd only) | 1.5335% | 4,769 |
| Net charge-offs to loans | 0.0467% | 6,337 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 43.1538% | 540 |
| Efficiency ratio | 71.1271% | 3,968 |
| Assets per employee ($millions) | 5.2209% | 1,835 |
| Cash dividends to net income (ytd only)* | 73.9425% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2660% | 7,497 |
| Loan loss allowance to noncurrent loans | 41.2698% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 6,554 |
| Noncurrent loans to loans | 0.6444% | 5,765 |
| Net loans and leases to total assets | 43.0958% | 6,779 |
| Net loans and leases to deposits | 50.5452% | 6,827 |
| Net loans and leases to core deposits | 50.9724% | 6,947 |
| Total domestic deposits to total assets | 85.2620% | 3,731 |
| Equity capital to assets | 14.5583% | 890 |
| Core capital (leverage) ratio | 14.5376% | 742 |
| Tier 1 risk-based capital ratio | 31.8217% | 435 |
| Total risk-based capital ratio | 32.0740% | 464 |
| Memoranda: | ||
| Average total assets | $67,054,800 | 5,960 |
| Average earning assets | $65,033,400 | 5,829 |
| Average equity | $10,042,400 | 5,117 |
| Average total loans | $27,861,200 | 6,505 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 7,303 |
| Cost of funding earning assets | 1.2285% | 4,695 |
| Net interest margin | 2.7405% | 7,190 |
| Noninterest income to average assets | 0.2314% | 6,240 |
| Noninterest expense to average assets | 2.0184% | 7,017 |
| Loan and lease loss provision to assets | 0.0199% | 6,853 |
| Net operating income to assets | 0.8486% | 2,815 |
| Return on assets (ROA) | 0.9394% | 2,586 |
| Pretax return on assets | 0.9454% | 3,384 |
| Return on Equity (ROE) | 6.2283% | 3,716 |
| Retained earnings to average equity (ytd only) | 4.2844% | 3,476 |
| Net charge-offs to loans | 0.0291% | 6,270 |
| Credit loss provision to net charge-offs | 166.6667% | 2,236 |
| Earnings coverage of net charge-offs (x) | 72.9988% | 414 |
| Efficiency ratio | 69.7931% | 4,113 |
| Assets per employee ($millions) | 5.1813% | 1,960 |
| Cash dividends to net income (ytd only)* | 31.2112% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3045% | 7,590 |
| Loan loss allowance to noncurrent loans | 37.9630% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 6,472 |
| Noncurrent loans to loans | 0.8020% | 5,613 |
| Net loans and leases to total assets | 39.8607% | 7,083 |
| Net loans and leases to deposits | 47.1846% | 7,117 |
| Net loans and leases to core deposits | 47.9755% | 7,204 |
| Total domestic deposits to total assets | 84.4782% | 3,880 |
| Equity capital to assets | 15.3228% | 817 |
| Core capital (leverage) ratio | 15.1281% | 691 |
| Tier 1 risk-based capital ratio | 35.0150% | 351 |
| Total risk-based capital ratio | 35.3019% | 370 |
| Memoranda: | ||
| Average total assets | $66,850,500 | 6,030 |
| Average earning assets | $64,900,750 | 5,895 |
| Average equity | $10,082,750 | 5,166 |
| Average total loans | $27,494,500 | 6,614 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 7,337 |
| Cost of funding earning assets | 1.2537% | 4,803 |
| Net interest margin | 2.7760% | 7,178 |
| Noninterest income to average assets | 0.2249% | 6,307 |
| Noninterest expense to average assets | 2.0365% | 7,039 |
| Loan and lease loss provision to assets | 0.0300% | 6,645 |
| Net operating income to assets | 0.8458% | 2,747 |
| Return on assets (ROA) | 0.8458% | 2,901 |
| Pretax return on assets | 0.8548% | 3,682 |
| Return on Equity (ROE) | 5.6381% | 3,971 |
| Retained earnings to average equity (ytd only) | 3.6788% | 3,758 |
| Net charge-offs to loans | 0.0433% | 5,771 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 49.1667% | 601 |
| Efficiency ratio | 69.7125% | 4,242 |
| Assets per employee ($millions) | 5.0757% | 2,087 |
| Cash dividends to net income (ytd only)* | 34.7518% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3090% | 7,660 |
| Loan loss allowance to noncurrent loans | 58.9928% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 6,741 |
| Noncurrent loans to loans | 0.5238% | 6,210 |
| Net loans and leases to total assets | 40.0931% | 7,160 |
| Net loans and leases to deposits | 47.5203% | 7,187 |
| Net loans and leases to core deposits | 48.3302% | 7,272 |
| Total domestic deposits to total assets | 84.3705% | 3,924 |
| Equity capital to assets | 15.4386% | 786 |
| Core capital (leverage) ratio | 14.8284% | 760 |
| Tier 1 risk-based capital ratio | 34.9001% | 355 |
| Total risk-based capital ratio | 35.1901% | 374 |
| Memoranda: | ||
| Average total assets | $66,681,670 | 6,077 |
| Average earning assets | $64,768,670 | 5,932 |
| Average equity | $10,003,330 | 5,200 |
| Average total loans | $27,682,330 | 6,656 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 7,396 |
| Cost of funding earning assets | 1.2784% | 4,942 |
| Net interest margin | 2.7966% | 7,179 |
| Noninterest income to average assets | 0.1671% | 6,769 |
| Noninterest expense to average assets | 1.9454% | 7,259 |
| Loan and lease loss provision to assets | 0.0298% | 6,378 |
| Net operating income to assets | 0.9070% | 2,517 |
| Return on assets (ROA) | 0.9070% | 2,584 |
| Pretax return on assets | 0.9070% | 3,442 |
| Return on Equity (ROE) | 6.1343% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.2464% | 3,016 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4948% | 4,820 |
| Assets per employee ($millions) | 5.1795% | 1,989 |
| Cash dividends to net income (ytd only)* | 14.4737% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3095% | 7,751 |
| Loan loss allowance to noncurrent loans | 52.2013% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 6,867 |
| Noncurrent loans to loans | 0.5929% | 6,127 |
| Net loans and leases to total assets | 39.7021% | 7,266 |
| Net loans and leases to deposits | 46.7238% | 7,296 |
| Net loans and leases to core deposits | 47.4941% | 7,379 |
| Total domestic deposits to total assets | 84.9719% | 3,690 |
| Equity capital to assets | 14.8305% | 924 |
| Core capital (leverage) ratio | 14.6059% | 830 |
| Tier 1 risk-based capital ratio | 34.0008% | 381 |
| Total risk-based capital ratio | 34.2884% | 402 |
| Memoranda: | ||
| Average total assets | $67,030,500 | 6,137 |
| Average earning assets | $65,080,000 | 5,994 |
| Average equity | $9,911,500 | 5,262 |
| Average total loans | $28,255,000 | 6,699 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 6,737 |
| Cost of funding earning assets | 1.5861% | 5,096 |
| Net interest margin | 3.3023% | 5,737 |
| Noninterest income to average assets | 0.2088% | 6,610 |
| Noninterest expense to average assets | 2.2144% | 6,956 |
| Loan and lease loss provision to assets | 0.0483% | 7,080 |
| Net operating income to assets | 0.9911% | 1,867 |
| Return on assets (ROA) | 0.9911% | 1,915 |
| Pretax return on assets | 0.9927% | 2,614 |
| Return on Equity (ROE) | 6.3659% | 3,048 |
| Retained earnings to average equity (ytd only) | 1.7816% | 3,847 |
| Net charge-offs to loans | 0.1377% | 5,838 |
| Credit loss provision to net charge-offs | 79.4872% | 6,291 |
| Earnings coverage of net charge-offs (x) | 17.1282% | 1,207 |
| Efficiency ratio | 68.0230% | 5,000 |
| Assets per employee ($millions) | 4.7662% | 2,523 |
| Cash dividends to net income (ytd only)* | 72.0126% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2627% | 7,848 |
| Loan loss allowance to noncurrent loans | 48.4472% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 6,861 |
| Noncurrent loans to loans | 0.5422% | 6,162 |
| Net loans and leases to total assets | 44.3838% | 7,094 |
| Net loans and leases to deposits | 52.1831% | 7,147 |
| Net loans and leases to core deposits | 62.8283% | 7,161 |
| Total domestic deposits to total assets | 85.0540% | 3,526 |
| Equity capital to assets | 14.7422% | 966 |
| Core capital (leverage) ratio | 14.8359% | 820 |
| Tier 1 risk-based capital ratio | 30.7930% | 485 |
| Total risk-based capital ratio | 31.0410% | 518 |
| Memoranda: | ||
| Average total assets | $64,171,200 | 6,191 |
| Average earning assets | $59,201,600 | 6,154 |
| Average equity | $9,990,800 | 5,299 |
| Average total loans | $28,313,800 | 6,724 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 6,410 |
| Cost of funding earning assets | 1.6191% | 5,314 |
| Net interest margin | 3.4434% | 5,097 |
| Noninterest income to average assets | 0.1889% | 6,864 |
| Noninterest expense to average assets | 2.1259% | 7,140 |
| Loan and lease loss provision to assets | 0.0651% | 6,705 |
| Net operating income to assets | 1.1291% | 1,642 |
| Return on assets (ROA) | 1.1291% | 1,713 |
| Pretax return on assets | 1.1312% | 2,473 |
| Return on Equity (ROE) | 7.1523% | 2,999 |
| Retained earnings to average equity (ytd only) | 4.9188% | 2,543 |
| Net charge-offs to loans | 0.1859% | 4,903 |
| Credit loss provision to net charge-offs | 79.4872% | 5,778 |
| Earnings coverage of net charge-offs (x) | 14.6150% | 1,587 |
| Efficiency ratio | 63.9924% | 5,755 |
| Assets per employee ($millions) | 4.6469% | 2,641 |
| Cash dividends to net income (ytd only)* | 31.2260% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2771% | 7,919 |
| Loan loss allowance to noncurrent loans | 45.3488% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 6,719 |
| Noncurrent loans to loans | 0.6110% | 6,083 |
| Net loans and leases to total assets | 43.1529% | 7,305 |
| Net loans and leases to deposits | 51.3480% | 7,338 |
| Net loans and leases to core deposits | 61.3318% | 7,351 |
| Total domestic deposits to total assets | 84.0401% | 3,706 |
| Equity capital to assets | 15.7308% | 848 |
| Core capital (leverage) ratio | 15.4703% | 767 |
| Tier 1 risk-based capital ratio | 33.0533% | 442 |
| Total risk-based capital ratio | 33.3144% | 460 |
| Memoranda: | ||
| Average total assets | $63,532,250 | 6,264 |
| Average earning assets | $57,810,000 | 6,268 |
| Average equity | $10,029,250 | 5,327 |
| Average total loans | $27,968,750 | 6,795 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 6,397 |
| Cost of funding earning assets | 1.6306% | 5,609 |
| Net interest margin | 3.4783% | 4,902 |
| Noninterest income to average assets | 0.1904% | 6,934 |
| Noninterest expense to average assets | 2.1516% | 7,168 |
| Loan and lease loss provision to assets | 0.0984% | 6,189 |
| Net operating income to assets | 1.1392% | 1,632 |
| Return on assets (ROA) | 1.1392% | 1,717 |
| Pretax return on assets | 1.1424% | 2,491 |
| Return on Equity (ROE) | 7.2081% | 3,106 |
| Retained earnings to average equity (ytd only) | 4.1161% | 2,999 |
| Net charge-offs to loans | 0.2150% | 4,164 |
| Credit loss provision to net charge-offs | 103.3333% | 4,440 |
| Earnings coverage of net charge-offs (x) | 13.0333% | 1,766 |
| Efficiency ratio | 63.4238% | 6,020 |
| Assets per employee ($millions) | 4.4716% | 2,812 |
| Cash dividends to net income (ytd only)* | 42.8969% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3236% | 7,971 |
| Loan loss allowance to noncurrent loans | 63.9706% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 6,822 |
| Noncurrent loans to loans | 0.5059% | 6,262 |
| Net loans and leases to total assets | 42.8047% | 7,403 |
| Net loans and leases to deposits | 50.9672% | 7,438 |
| Net loans and leases to core deposits | 60.1288% | 7,447 |
| Total domestic deposits to total assets | 83.9848% | 3,785 |
| Equity capital to assets | 15.7373% | 876 |
| Core capital (leverage) ratio | 15.3517% | 850 |
| Tier 1 risk-based capital ratio | 34.1178% | 445 |
| Total risk-based capital ratio | 34.4234% | 454 |
| Memoranda: | ||
| Average total assets | $63,024,000 | 6,329 |
| Average earning assets | $58,017,000 | 6,311 |
| Average equity | $9,961,000 | 5,366 |
| Average total loans | $27,907,670 | 6,850 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2113% | 6,249 |
| Cost of funding earning assets | 1.6392% | 5,862 |
| Net interest margin | 3.5721% | 4,442 |
| Noninterest income to average assets | 0.1771% | 7,039 |
| Noninterest expense to average assets | 2.0116% | 7,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4676% | 1,001 |
| Return on assets (ROA) | 1.4676% | 1,075 |
| Pretax return on assets | 1.4739% | 1,742 |
| Return on Equity (ROE) | 9.2656% | 2,620 |
| Retained earnings to average equity (ytd only) | 7.3087% | 2,097 |
| Net charge-offs to loans | -0.0281% | 7,538 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7132% | 6,744 |
| Assets per employee ($millions) | 4.5286% | 2,675 |
| Cash dividends to net income (ytd only)* | 21.1207% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3270% | 8,013 |
| Loan loss allowance to noncurrent loans | 44.4444% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 6,580 |
| Noncurrent loans to loans | 0.7358% | 5,594 |
| Net loans and leases to total assets | 42.3044% | 7,449 |
| Net loans and leases to deposits | 50.3785% | 7,476 |
| Net loans and leases to core deposits | 57.4658% | 7,546 |
| Total domestic deposits to total assets | 83.9732% | 3,716 |
| Equity capital to assets | 15.7950% | 909 |
| Core capital (leverage) ratio | 15.5833% | 849 |
| Tier 1 risk-based capital ratio | 33.2658% | 484 |
| Total risk-based capital ratio | 33.5679% | 504 |
| Memoranda: | ||
| Average total assets | $63,234,500 | 6,351 |
| Average earning assets | $58,565,000 | 6,321 |
| Average equity | $10,015,500 | 5,381 |
| Average total loans | $28,419,500 | 6,854 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4309% | 7,421 |
| Cost of funding earning assets | 2.2124% | 5,545 |
| Net interest margin | 3.2185% | 6,314 |
| Noninterest income to average assets | 0.2388% | 6,738 |
| Noninterest expense to average assets | 2.0528% | 7,341 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2404% | 1,653 |
| Return on assets (ROA) | 1.2404% | 1,598 |
| Pretax return on assets | 1.2516% | 2,476 |
| Return on Equity (ROE) | 8.0355% | 3,062 |
| Retained earnings to average equity (ytd only) | 3.3845% | 3,049 |
| Net charge-offs to loans | 0.0215% | 6,552 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 130.1667% | 344 |
| Efficiency ratio | 62.1242% | 5,928 |
| Assets per employee ($millions) | 4.8515% | 2,111 |
| Cash dividends to net income (ytd only)* | 57.8811% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2873% | 8,090 |
| Loan loss allowance to noncurrent loans | 31.1594% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 5,903 |
| Noncurrent loans to loans | 0.9222% | 4,780 |
| Net loans and leases to total assets | 47.3196% | 7,234 |
| Net loans and leases to deposits | 56.4821% | 7,287 |
| Net loans and leases to core deposits | 64.3204% | 7,431 |
| Total domestic deposits to total assets | 83.7781% | 3,441 |
| Equity capital to assets | 15.8826% | 963 |
| Core capital (leverage) ratio | 15.0716% | 1,015 |
| Tier 1 risk-based capital ratio | 30.2126% | 629 |
| Total risk-based capital ratio | 30.4891% | 671 |
| Memoranda: | ||
| Average total assets | $62,401,600 | 6,301 |
| Average earning assets | $59,437,400 | 6,195 |
| Average equity | $9,632,200 | 5,527 |
| Average total loans | $27,912,200 | 6,850 |