Home > Texas National Bank > Performance and Condition Ratios
Texas National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 4,348 |
| Cost of funding earning assets | 1.3294% | 3,543 |
| Net interest margin | 2.4680% | 4,055 |
| Noninterest income to average assets | 0.6200% | 1,271 |
| Noninterest expense to average assets | 2.8404% | 1,431 |
| Loan and lease loss provision to assets | -0.1400% | 4,362 |
| Net operating income to assets | 0.1950% | 3,975 |
| Return on assets (ROA) | 0.1950% | 4,010 |
| Pretax return on assets | 0.1950% | 4,035 |
| Return on Equity (ROE) | 4.1300% | 3,705 |
| Retained earnings to average equity (ytd only) | 4.1283% | 2,829 |
| Net charge-offs to loans | -0.0220% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 98.2405% | 291 |
| Assets per employee ($millions) | 5.8410% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 636 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 24.4900% | 4,265 |
| Net loans and leases to deposits | 25.9740% | 4,294 |
| Net loans and leases to core deposits | 27.5230% | 4,281 |
| Total domestic deposits to total assets | 94.2800% | 61 |
| Equity capital to assets | 5.1689% | 4,355 |
| Core capital (leverage) ratio | 10.3381% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6742% | 276 |
| Memoranda: | ||
| Average total assets | $141,529,000 | 3,432 |
| Average earning assets | $129,986,000 | 3,440 |
| Average equity | $6,685,500 | 4,102 |
| Average total loans | $36,414,000 | 4,001 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 4,316 |
| Cost of funding earning assets | 1.8511% | 2,595 |
| Net interest margin | 2.0766% | 4,222 |
| Noninterest income to average assets | 0.6100% | 1,475 |
| Noninterest expense to average assets | 2.4609% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.0743% | 4,115 |
| Return on assets (ROA) | 0.0743% | 4,140 |
| Pretax return on assets | 0.0743% | 4,136 |
| Return on Equity (ROE) | 1.7200% | 4,024 |
| Retained earnings to average equity (ytd only) | 0.9743% | 3,687 |
| Net charge-offs to loans | -0.0241% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 97.0701% | 324 |
| Assets per employee ($millions) | 5.9531% | 2,909 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 849 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 26.1100% | 4,269 |
| Net loans and leases to deposits | 29.3907% | 4,285 |
| Net loans and leases to core deposits | 31.2122% | 4,271 |
| Total domestic deposits to total assets | 88.8500% | 1,211 |
| Equity capital to assets | 4.2870% | 4,408 |
| Core capital (leverage) ratio | 10.1773% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5795% | 317 |
| Memoranda: | ||
| Average total assets | $154,821,600 | 3,322 |
| Average earning assets | $143,646,000 | 3,311 |
| Average equity | $6,671,200 | 4,087 |
| Average total loans | $37,311,600 | 3,995 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 4,318 |
| Cost of funding earning assets | 1.9335% | 2,374 |
| Net interest margin | 2.0171% | 4,270 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 2.4121% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.0575% | 4,163 |
| Return on assets (ROA) | 0.0575% | 4,195 |
| Pretax return on assets | 0.0575% | 4,192 |
| Return on Equity (ROE) | 1.3300% | 4,098 |
| Retained earnings to average equity (ytd only) | 1.3318% | 3,631 |
| Net charge-offs to loans | -0.0395% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 97.6736% | 323 |
| Assets per employee ($millions) | 5.8930% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 919 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 25.5400% | 4,307 |
| Net loans and leases to deposits | 29.9801% | 4,320 |
| Net loans and leases to core deposits | 31.6676% | 4,306 |
| Total domestic deposits to total assets | 85.1800% | 2,234 |
| Equity capital to assets | 5.7615% | 4,377 |
| Core capital (leverage) ratio | 10.1112% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4929% | 326 |
| Memoranda: | ||
| Average total assets | $157,808,500 | 3,290 |
| Average earning assets | $146,745,250 | 3,280 |
| Average equity | $6,807,750 | 4,090 |
| Average total loans | $37,163,750 | 4,014 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 4,256 |
| Cost of funding earning assets | 2.0380% | 2,029 |
| Net interest margin | 2.0020% | 4,289 |
| Noninterest income to average assets | 0.5700% | 1,568 |
| Noninterest expense to average assets | 2.3459% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0930% | 4,136 |
| Return on assets (ROA) | 0.0930% | 4,162 |
| Pretax return on assets | 0.0930% | 4,161 |
| Return on Equity (ROE) | 2.4000% | 3,972 |
| Retained earnings to average equity (ytd only) | 2.4009% | 3,217 |
| Net charge-offs to loans | -0.0380% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 96.1871% | 365 |
| Assets per employee ($millions) | 6.1076% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,076 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 26.6300% | 4,316 |
| Net loans and leases to deposits | 31.1020% | 4,317 |
| Net loans and leases to core deposits | 32.7642% | 4,304 |
| Total domestic deposits to total assets | 85.6200% | 2,103 |
| Equity capital to assets | 4.0871% | 4,459 |
| Core capital (leverage) ratio | 9.2372% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5024% | 327 |
| Memoranda: | ||
| Average total assets | $161,303,333 | 3,273 |
| Average earning assets | $150,249,000 | 3,260 |
| Average equity | $6,247,667 | 4,153 |
| Average total loans | $36,812,000 | 4,034 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 4,351 |
| Cost of funding earning assets | 2.0147% | 1,954 |
| Net interest margin | 1.8500% | 4,370 |
| Noninterest income to average assets | 0.5600% | 1,518 |
| Noninterest expense to average assets | 2.2411% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0498% | 4,175 |
| Return on assets (ROA) | 0.0498% | 4,213 |
| Pretax return on assets | 0.0498% | 4,204 |
| Return on Equity (ROE) | 1.3200% | 4,104 |
| Retained earnings to average equity (ytd only) | 1.3174% | 3,412 |
| Net charge-offs to loans | -0.0226% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 97.8261% | 340 |
| Assets per employee ($millions) | 7.3025% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 780 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 20.9900% | 4,378 |
| Net loans and leases to deposits | 26.9728% | 4,367 |
| Net loans and leases to core deposits | 28.3385% | 4,400 |
| Total domestic deposits to total assets | 77.8200% | 3,820 |
| Equity capital to assets | 3.5360% | 4,496 |
| Core capital (leverage) ratio | 8.7555% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9240% | 315 |
| Memoranda: | ||
| Average total assets | $168,664,000 | 3,222 |
| Average earning assets | $157,841,000 | 3,208 |
| Average equity | $6,376,000 | 4,157 |
| Average total loans | $35,404,500 | 4,070 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 4,109 |
| Cost of funding earning assets | 1.8863% | 1,091 |
| Net interest margin | 1.9801% | 4,417 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.3873% | 2,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0251% | 4,309 |
| Return on assets (ROA) | 0.0251% | 4,334 |
| Pretax return on assets | 0.0251% | 4,321 |
| Return on Equity (ROE) | 0.9000% | 4,271 |
| Retained earnings to average equity (ytd only) | -2.8558% | 4,323 |
| Net charge-offs to loans | -0.0283% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 98.9599% | 204 |
| Assets per employee ($millions) | 7.3640% | 1,833 |
| Cash dividends to net income (ytd only)* | 416.6667% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 704 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 20.3000% | 4,400 |
| Net loans and leases to deposits | 26.2986% | 4,393 |
| Net loans and leases to core deposits | 27.4420% | 4,421 |
| Total domestic deposits to total assets | 77.1900% | 3,827 |
| Equity capital to assets | 4.0225% | 4,496 |
| Core capital (leverage) ratio | 8.7466% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9905% | 302 |
| Memoranda: | ||
| Average total assets | $167,388,600 | 3,207 |
| Average earning assets | $156,658,200 | 3,193 |
| Average equity | $4,657,200 | 4,292 |
| Average total loans | $35,343,200 | 4,064 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 4,038 |
| Cost of funding earning assets | 1.8792% | 886 |
| Net interest margin | 1.9927% | 4,444 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.3807% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0503% | 4,349 |
| Return on assets (ROA) | 0.0503% | 4,371 |
| Pretax return on assets | 0.0503% | 4,360 |
| Return on Equity (ROE) | 2.0400% | 4,191 |
| Retained earnings to average equity (ytd only) | 0.4209% | 4,054 |
| Net charge-offs to loans | -0.0263% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.9297% | 201 |
| Assets per employee ($millions) | 7.1375% | 1,858 |
| Cash dividends to net income (ytd only)* | 79.3651% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 896 |
| Loan loss allowance to noncurrent loans | 1,079.6296% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,469 |
| Noncurrent loans to loans | 0.1476% | 2,814 |
| Net loans and leases to total assets | 21.9300% | 4,421 |
| Net loans and leases to deposits | 27.5889% | 4,405 |
| Net loans and leases to core deposits | 28.7776% | 4,399 |
| Total domestic deposits to total assets | 79.4800% | 3,609 |
| Equity capital to assets | 1.3560% | 4,566 |
| Core capital (leverage) ratio | 8.7305% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4651% | 335 |
| Memoranda: | ||
| Average total assets | $166,893,000 | 3,221 |
| Average earning assets | $156,165,500 | 3,208 |
| Average equity | $4,118,250 | 4,358 |
| Average total loans | $35,437,250 | 4,081 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 3,962 |
| Cost of funding earning assets | 1.8520% | 675 |
| Net interest margin | 1.9920% | 4,500 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.3373% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1001% | 4,359 |
| Return on assets (ROA) | 0.1001% | 4,392 |
| Pretax return on assets | 0.1001% | 4,396 |
| Return on Equity (ROE) | 3.5400% | 4,088 |
| Retained earnings to average equity (ytd only) | 1.4319% | 3,838 |
| Net charge-offs to loans | -0.0285% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 95.8924% | 226 |
| Assets per employee ($millions) | 7.7000% | 1,467 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 955 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 21.2400% | 4,443 |
| Net loans and leases to deposits | 26.9175% | 4,428 |
| Net loans and leases to core deposits | 28.1496% | 4,422 |
| Total domestic deposits to total assets | 78.9000% | 3,732 |
| Equity capital to assets | 2.7786% | 4,576 |
| Core capital (leverage) ratio | 8.0124% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7037% | 363 |
| Memoranda: | ||
| Average total assets | $167,803,000 | 3,225 |
| Average earning assets | $157,128,333 | 3,208 |
| Average equity | $4,749,000 | 4,316 |
| Average total loans | $35,057,000 | 4,094 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4704% | 4,296 |
| Cost of funding earning assets | 1.4603% | 919 |
| Net interest margin | 2.0101% | 4,561 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.3472% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1557% | 4,395 |
| Return on assets (ROA) | 0.1557% | 4,370 |
| Pretax return on assets | 0.1557% | 4,378 |
| Return on Equity (ROE) | 5.4500% | 3,814 |
| Retained earnings to average equity (ytd only) | 1.2579% | 3,830 |
| Net charge-offs to loans | -0.0233% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.7799% | 266 |
| Assets per employee ($millions) | 7.7237% | 1,499 |
| Cash dividends to net income (ytd only)* | 76.9231% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 967 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 20.6000% | 4,511 |
| Net loans and leases to deposits | 21.4517% | 4,529 |
| Net loans and leases to core deposits | 22.2420% | 4,522 |
| Total domestic deposits to total assets | 96.0500% | 49 |
| Equity capital to assets | 3.5146% | 4,573 |
| Core capital (leverage) ratio | 8.6774% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0170% | 355 |
| Memoranda: | ||
| Average total assets | $167,004,000 | 3,281 |
| Average earning assets | $156,409,500 | 3,257 |
| Average equity | $4,770,000 | 4,367 |
| Average total loans | $34,307,000 | 4,165 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8670% | 4,269 |
| Cost of funding earning assets | 0.4289% | 1,865 |
| Net interest margin | 2.4381% | 4,339 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.3469% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4445% | 4,182 |
| Return on assets (ROA) | 0.3704% | 4,249 |
| Pretax return on assets | 0.3704% | 4,312 |
| Return on Equity (ROE) | 7.9700% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.1848% | 2,157 |
| Net charge-offs to loans | -0.0357% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.9933% | 497 |
| Assets per employee ($millions) | 6.8370% | 2,092 |
| Cash dividends to net income (ytd only)* | 9.8413% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7441% | 740 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 19.7800% | 4,554 |
| Net loans and leases to deposits | 20.3116% | 4,567 |
| Net loans and leases to core deposits | 20.8972% | 4,559 |
| Total domestic deposits to total assets | 97.3600% | 45 |
| Equity capital to assets | 2.1745% | 4,639 |
| Core capital (leverage) ratio | 8.7399% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6487% | 316 |
| Memoranda: | ||
| Average total assets | $170,093,200 | 3,268 |
| Average earning assets | $160,166,800 | 3,243 |
| Average equity | $7,905,600 | 4,108 |
| Average total loans | $33,586,800 | 4,175 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7505% | 4,245 |
| Cost of funding earning assets | 0.2883% | 2,295 |
| Net interest margin | 2.4622% | 4,248 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.2790% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5291% | 4,015 |
| Return on assets (ROA) | 0.5291% | 3,956 |
| Pretax return on assets | 0.5291% | 4,101 |
| Return on Equity (ROE) | 10.1000% | 2,688 |
| Retained earnings to average equity (ytd only) | 9.1803% | 1,586 |
| Net charge-offs to loans | -0.0356% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.0459% | 712 |
| Assets per employee ($millions) | 6.9807% | 1,953 |
| Cash dividends to net income (ytd only)* | 9.1043% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 18.6900% | 4,600 |
| Net loans and leases to deposits | 19.0983% | 4,614 |
| Net loans and leases to core deposits | 19.4564% | 4,604 |
| Total domestic deposits to total assets | 97.8500% | 57 |
| Equity capital to assets | 1.4391% | 4,681 |
| Core capital (leverage) ratio | 9.2003% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6207% | 402 |
| Memoranda: | ||
| Average total assets | $171,594,750 | 3,285 |
| Average earning assets | $161,856,000 | 3,252 |
| Average equity | $8,990,000 | 4,037 |
| Average total loans | $33,727,000 | 4,197 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6393% | 4,233 |
| Cost of funding earning assets | 0.1700% | 3,314 |
| Net interest margin | 2.4693% | 4,133 |
| Noninterest income to average assets | 0.4707% | 2,349 |
| Noninterest expense to average assets | 2.2550% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5505% | 3,761 |
| Return on assets (ROA) | 0.5505% | 3,711 |
| Pretax return on assets | 0.5505% | 3,922 |
| Return on Equity (ROE) | 8.5129% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.5129% | 1,433 |
| Net charge-offs to loans | -0.0349% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2143% | 929 |
| Assets per employee ($millions) | 6.5175% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 1,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 20.1433% | 4,652 |
| Net loans and leases to deposits | 20.9831% | 4,668 |
| Net loans and leases to core deposits | 21.2505% | 4,667 |
| Total domestic deposits to total assets | 95.9978% | 85 |
| Equity capital to assets | 3.4959% | 4,667 |
| Core capital (leverage) ratio | 8.9305% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6155% | 392 |
| Memoranda: | ||
| Average total assets | $172,947,333 | 3,310 |
| Average earning assets | $163,531,000 | 3,285 |
| Average equity | $11,183,000 | 3,870 |
| Average total loans | $34,342,000 | 4,240 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4627% | 4,311 |
| Cost of funding earning assets | 0.1402% | 3,629 |
| Net interest margin | 2.3225% | 4,202 |
| Noninterest income to average assets | 0.4579% | 2,371 |
| Noninterest expense to average assets | 2.2210% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4373% | 3,880 |
| Return on assets (ROA) | 0.4373% | 3,842 |
| Pretax return on assets | 0.4373% | 3,972 |
| Return on Equity (ROE) | 5.5312% | 3,477 |
| Retained earnings to average equity (ytd only) | 5.5312% | 2,401 |
| Net charge-offs to loans | -0.0351% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2041% | 903 |
| Assets per employee ($millions) | 6.8533% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 1,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 18.2752% | 4,689 |
| Net loans and leases to deposits | 19.5132% | 4,698 |
| Net loans and leases to core deposits | 20.0289% | 4,697 |
| Total domestic deposits to total assets | 93.6555% | 145 |
| Equity capital to assets | 5.9808% | 4,590 |
| Core capital (leverage) ratio | 8.4925% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6059% | 396 |
| Memoranda: | ||
| Average total assets | $174,693,000 | 3,310 |
| Average earning assets | $165,509,000 | 3,272 |
| Average equity | $13,812,500 | 3,677 |
| Average total loans | $34,161,000 | 4,259 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8888% | 4,073 |
| Cost of funding earning assets | 0.1461% | 4,015 |
| Net interest margin | 2.7427% | 3,795 |
| Noninterest income to average assets | 0.4519% | 2,809 |
| Noninterest expense to average assets | 2.3563% | 2,635 |
| Loan and lease loss provision to assets | 0.0237% | 2,593 |
| Net operating income to assets | 0.6542% | 3,737 |
| Return on assets (ROA) | 0.6666% | 3,759 |
| Pretax return on assets | 0.6666% | 4,001 |
| Return on Equity (ROE) | 6.3930% | 3,676 |
| Retained earnings to average equity (ytd only) | 2.1784% | 3,928 |
| Net charge-offs to loans | -0.0466% | 4,298 |
| Credit loss provision to net charge-offs | -222.2222% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7396% | 1,050 |
| Assets per employee ($millions) | 6.1143% | 2,649 |
| Cash dividends to net income (ytd only)* | 65.9253% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 1,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 20.2262% | 4,711 |
| Net loans and leases to deposits | 22.5422% | 4,720 |
| Net loans and leases to core deposits | 23.1906% | 4,719 |
| Total domestic deposits to total assets | 89.7260% | 1,095 |
| Equity capital to assets | 9.9113% | 2,741 |
| Core capital (leverage) ratio | 8.7767% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3614% | 474 |
| Memoranda: | ||
| Average total assets | $168,615,200 | 3,313 |
| Average earning assets | $158,750,200 | 3,291 |
| Average equity | $17,581,600 | 3,421 |
| Average total loans | $38,590,400 | 4,220 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6961% | 4,411 |
| Cost of funding earning assets | 0.1475% | 4,129 |
| Net interest margin | 2.5486% | 4,207 |
| Noninterest income to average assets | 0.4453% | 2,859 |
| Noninterest expense to average assets | 2.3139% | 2,710 |
| Loan and lease loss provision to assets | 0.0316% | 2,365 |
| Net operating income to assets | 0.5001% | 4,205 |
| Return on assets (ROA) | 0.5001% | 4,247 |
| Pretax return on assets | 0.5001% | 4,372 |
| Return on Equity (ROE) | 4.7363% | 4,180 |
| Retained earnings to average equity (ytd only) | 1.7291% | 4,265 |
| Net charge-offs to loans | -0.0541% | 4,392 |
| Credit loss provision to net charge-offs | -250.0000% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3347% | 723 |
| Assets per employee ($millions) | 6.2265% | 2,473 |
| Cash dividends to net income (ytd only)* | 63.4921% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 20.9501% | 4,784 |
| Net loans and leases to deposits | 23.4303% | 4,795 |
| Net loans and leases to core deposits | 24.0538% | 4,796 |
| Total domestic deposits to total assets | 89.4145% | 1,060 |
| Equity capital to assets | 10.1834% | 2,729 |
| Core capital (leverage) ratio | 8.4780% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0436% | 532 |
| Memoranda: | ||
| Average total assets | $167,969,250 | 3,354 |
| Average earning assets | $158,201,500 | 3,328 |
| Average equity | $17,735,000 | 3,449 |
| Average total loans | $39,440,250 | 4,261 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6216% | 4,529 |
| Cost of funding earning assets | 0.1474% | 4,225 |
| Net interest margin | 2.4742% | 4,340 |
| Noninterest income to average assets | 0.4474% | 2,860 |
| Noninterest expense to average assets | 2.3118% | 2,734 |
| Loan and lease loss provision to assets | 0.0482% | 2,062 |
| Net operating income to assets | 0.4148% | 4,358 |
| Return on assets (ROA) | 0.4148% | 4,398 |
| Pretax return on assets | 0.4148% | 4,489 |
| Return on Equity (ROE) | 3.8807% | 4,350 |
| Retained earnings to average equity (ytd only) | 1.4553% | 4,249 |
| Net charge-offs to loans | -0.0298% | 4,152 |
| Credit loss provision to net charge-offs | -666.6667% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2686% | 653 |
| Assets per employee ($millions) | 6.2761% | 2,362 |
| Cash dividends to net income (ytd only)* | 62.5000% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 2,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 22.8958% | 4,797 |
| Net loans and leases to deposits | 25.5353% | 4,814 |
| Net loans and leases to core deposits | 26.1645% | 4,817 |
| Total domestic deposits to total assets | 89.6632% | 941 |
| Equity capital to assets | 9.9590% | 2,888 |
| Core capital (leverage) ratio | 8.5891% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8549% | 550 |
| Memoranda: | ||
| Average total assets | $165,844,667 | 3,376 |
| Average earning assets | $156,009,333 | 3,356 |
| Average equity | $17,728,667 | 3,453 |
| Average total loans | $40,224,667 | 4,270 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6817% | 4,500 |
| Cost of funding earning assets | 0.1482% | 4,316 |
| Net interest margin | 2.5334% | 4,256 |
| Noninterest income to average assets | 0.4525% | 2,821 |
| Noninterest expense to average assets | 2.3741% | 2,584 |
| Loan and lease loss provision to assets | 0.0746% | 1,695 |
| Net operating income to assets | 0.3828% | 4,390 |
| Return on assets (ROA) | 0.3828% | 4,418 |
| Pretax return on assets | 0.3828% | 4,508 |
| Return on Equity (ROE) | 3.4524% | 4,384 |
| Retained earnings to average equity (ytd only) | 0.5156% | 4,302 |
| Net charge-offs to loans | -0.0300% | 4,171 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7919% | 655 |
| Assets per employee ($millions) | 5.3837% | 3,243 |
| Cash dividends to net income (ytd only)* | 85.0649% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 2,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 23.2649% | 4,818 |
| Net loans and leases to deposits | 26.0832% | 4,837 |
| Net loans and leases to core deposits | 26.8133% | 4,839 |
| Total domestic deposits to total assets | 89.1950% | 1,244 |
| Equity capital to assets | 10.4371% | 2,325 |
| Core capital (leverage) ratio | 8.9693% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4450% | 485 |
| Memoranda: | ||
| Average total assets | $160,901,500 | 3,425 |
| Average earning assets | $151,099,500 | 3,404 |
| Average equity | $17,842,500 | 3,439 |
| Average total loans | $39,944,000 | 4,303 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1289% | 4,532 |
| Cost of funding earning assets | 0.2327% | 4,452 |
| Net interest margin | 2.8961% | 4,112 |
| Noninterest income to average assets | 0.4890% | 2,676 |
| Noninterest expense to average assets | 2.4377% | 3,025 |
| Loan and lease loss provision to assets | 0.0717% | 3,487 |
| Net operating income to assets | 0.6891% | 3,468 |
| Return on assets (ROA) | 0.6813% | 3,619 |
| Pretax return on assets | 0.6813% | 3,923 |
| Return on Equity (ROE) | 6.1289% | 3,540 |
| Retained earnings to average equity (ytd only) | 3.0850% | 3,307 |
| Net charge-offs to loans | 0.1188% | 1,302 |
| Credit loss provision to net charge-offs | 234.0426% | 1,999 |
| Earnings coverage of net charge-offs (x) | 24.8298% | 1,760 |
| Efficiency ratio | 75.2548% | 1,307 |
| Assets per employee ($millions) | 5.1636% | 3,205 |
| Cash dividends to net income (ytd only)* | 49.6651% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 25.8321% | 4,823 |
| Net loans and leases to deposits | 29.4482% | 4,841 |
| Net loans and leases to core deposits | 30.3556% | 4,848 |
| Total domestic deposits to total assets | 87.7205% | 1,604 |
| Equity capital to assets | 11.7915% | 1,685 |
| Core capital (leverage) ratio | 9.4443% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1379% | 429 |
| Memoranda: | ||
| Average total assets | $153,379,600 | 3,364 |
| Average earning assets | $143,501,800 | 3,340 |
| Average equity | $17,050,400 | 3,450 |
| Average total loans | $39,576,800 | 4,317 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 4,650 |
| Cost of funding earning assets | 0.2589% | 4,480 |
| Net interest margin | 2.8688% | 4,233 |
| Noninterest income to average assets | 0.4845% | 2,678 |
| Noninterest expense to average assets | 2.4000% | 3,131 |
| Loan and lease loss provision to assets | 0.0699% | 3,454 |
| Net operating income to assets | 0.6989% | 3,462 |
| Return on assets (ROA) | 0.6884% | 3,597 |
| Pretax return on assets | 0.6884% | 3,929 |
| Return on Equity (ROE) | 6.2897% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.1592% | 2,496 |
| Net charge-offs to loans | 0.1356% | 1,068 |
| Credit loss provision to net charge-offs | 200.0000% | 2,110 |
| Earnings coverage of net charge-offs (x) | 22.0500% | 1,844 |
| Efficiency ratio | 74.7800% | 1,330 |
| Assets per employee ($millions) | 5.3378% | 2,852 |
| Cash dividends to net income (ytd only)* | 17.9747% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 27.7811% | 4,855 |
| Net loans and leases to deposits | 31.7586% | 4,882 |
| Net loans and leases to core deposits | 32.7413% | 4,883 |
| Total domestic deposits to total assets | 87.4758% | 1,465 |
| Equity capital to assets | 11.9376% | 1,717 |
| Core capital (leverage) ratio | 9.4634% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,997,500 | 3,349 |
| Average earning assets | $143,143,750 | 3,329 |
| Average equity | $16,746,500 | 3,472 |
| Average total loans | $39,340,500 | 4,347 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1633% | 4,743 |
| Cost of funding earning assets | 0.3033% | 4,472 |
| Net interest margin | 2.8600% | 4,372 |
| Noninterest income to average assets | 0.4816% | 2,645 |
| Noninterest expense to average assets | 2.3622% | 3,366 |
| Loan and lease loss provision to assets | 0.0656% | 3,474 |
| Net operating income to assets | 0.7270% | 3,292 |
| Return on assets (ROA) | 0.7270% | 3,400 |
| Pretax return on assets | 0.7270% | 3,807 |
| Return on Equity (ROE) | 6.8526% | 3,188 |
| Retained earnings to average equity (ytd only) | 5.6157% | 2,229 |
| Net charge-offs to loans | 0.2108% | 736 |
| Credit loss provision to net charge-offs | 125.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 15.1000% | 1,927 |
| Efficiency ratio | 73.8769% | 1,473 |
| Assets per employee ($millions) | 5.6525% | 2,490 |
| Cash dividends to net income (ytd only)* | 18.0505% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 4,481 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 26.1334% | 4,909 |
| Net loans and leases to deposits | 29.6910% | 4,929 |
| Net loans and leases to core deposits | 30.5261% | 4,930 |
| Total domestic deposits to total assets | 88.0179% | 1,170 |
| Equity capital to assets | 11.4451% | 2,008 |
| Core capital (leverage) ratio | 9.2737% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0707% | 446 |
| Memoranda: | ||
| Average total assets | $152,398,000 | 3,329 |
| Average earning assets | $142,447,333 | 3,316 |
| Average equity | $16,169,000 | 3,533 |
| Average total loans | $37,958,667 | 4,387 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2530% | 4,840 |
| Cost of funding earning assets | 0.4192% | 4,291 |
| Net interest margin | 2.8338% | 4,532 |
| Noninterest income to average assets | 0.5245% | 2,420 |
| Noninterest expense to average assets | 2.3738% | 3,596 |
| Loan and lease loss provision to assets | 0.0535% | 3,106 |
| Net operating income to assets | 0.7386% | 3,143 |
| Return on assets (ROA) | 0.7386% | 3,223 |
| Pretax return on assets | 0.7386% | 3,572 |
| Return on Equity (ROE) | 7.2648% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.2648% | 1,455 |
| Net charge-offs to loans | 0.4441% | 327 |
| Credit loss provision to net charge-offs | 50.0000% | 2,057 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 1,925 |
| Efficiency ratio | 73.9645% | 1,823 |
| Assets per employee ($millions) | 5.2984% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 2,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,559 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 23.3824% | 4,982 |
| Net loans and leases to deposits | 26.0278% | 5,003 |
| Net loans and leases to core deposits | 26.8173% | 5,002 |
| Total domestic deposits to total assets | 89.8363% | 376 |
| Equity capital to assets | 9.7902% | 3,965 |
| Core capital (leverage) ratio | 9.5073% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9914% | 561 |
| Memoranda: | ||
| Average total assets | $149,462,500 | 3,327 |
| Average earning assets | $139,319,000 | 3,318 |
| Average equity | $15,196,500 | 3,641 |
| Average total loans | $36,031,500 | 4,452 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4905% | 4,862 |
| Cost of funding earning assets | 0.5825% | 3,711 |
| Net interest margin | 2.9080% | 4,646 |
| Noninterest income to average assets | 0.6043% | 2,197 |
| Noninterest expense to average assets | 2.5486% | 3,325 |
| Loan and lease loss provision to assets | 0.0350% | 3,313 |
| Net operating income to assets | 0.7162% | 3,819 |
| Return on assets (ROA) | 0.7141% | 3,885 |
| Pretax return on assets | 0.7141% | 4,174 |
| Return on Equity (ROE) | 7.1059% | 3,519 |
| Retained earnings to average equity (ytd only) | 3.2571% | 3,385 |
| Net charge-offs to loans | -0.0056% | 4,363 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2399% | 1,336 |
| Assets per employee ($millions) | 5.0093% | 2,585 |
| Cash dividends to net income (ytd only)* | 54.1626% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,240 |
| Loan loss allowance to noncurrent loans | 701.5873% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,424 |
| Noncurrent loans to loans | 0.1764% | 3,829 |
| Net loans and leases to total assets | 24.2795% | 5,034 |
| Net loans and leases to deposits | 27.2706% | 5,055 |
| Net loans and leases to core deposits | 28.1582% | 5,056 |
| Total domestic deposits to total assets | 89.0315% | 658 |
| Equity capital to assets | 10.5665% | 3,380 |
| Core capital (leverage) ratio | 9.8806% | 3,642 |
| Tier 1 risk-based capital ratio | 22.1392% | 1,006 |
| Total risk-based capital ratio | 22.9272% | 1,035 |
| Memoranda: | ||
| Average total assets | $142,980,200 | 3,397 |
| Average earning assets | $132,530,200 | 3,385 |
| Average equity | $14,368,400 | 3,701 |
| Average total loans | $35,943,200 | 4,502 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 4,931 |
| Cost of funding earning assets | 0.6284% | 3,542 |
| Net interest margin | 2.9078% | 4,747 |
| Noninterest income to average assets | 0.6170% | 2,120 |
| Noninterest expense to average assets | 2.5607% | 3,274 |
| Loan and lease loss provision to assets | 0.0328% | 3,252 |
| Net operating income to assets | 0.7181% | 3,959 |
| Return on assets (ROA) | 0.7181% | 4,025 |
| Pretax return on assets | 0.7181% | 4,305 |
| Return on Equity (ROE) | 7.2410% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.0130% | 2,885 |
| Net charge-offs to loans | -0.0074% | 4,304 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3076% | 1,295 |
| Assets per employee ($millions) | 4.9238% | 2,639 |
| Cash dividends to net income (ytd only)* | 30.7694% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,597 |
| Loan loss allowance to noncurrent loans | 679.3651% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 4,494 |
| Noncurrent loans to loans | 0.1742% | 3,914 |
| Net loans and leases to total assets | 25.0285% | 5,120 |
| Net loans and leases to deposits | 28.2313% | 5,135 |
| Net loans and leases to core deposits | 28.9309% | 5,140 |
| Total domestic deposits to total assets | 88.6553% | 766 |
| Equity capital to assets | 10.8650% | 3,231 |
| Core capital (leverage) ratio | 9.8730% | 3,761 |
| Tier 1 risk-based capital ratio | 22.3920% | 1,021 |
| Total risk-based capital ratio | 23.1638% | 1,055 |
| Memoranda: | ||
| Average total assets | $142,407,500 | 3,439 |
| Average earning assets | $131,963,750 | 3,429 |
| Average equity | $14,123,000 | 3,767 |
| Average total loans | $36,000,750 | 4,560 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 4,969 |
| Cost of funding earning assets | 0.6742% | 3,303 |
| Net interest margin | 2.8790% | 4,845 |
| Noninterest income to average assets | 0.6368% | 1,988 |
| Noninterest expense to average assets | 2.5794% | 3,248 |
| Loan and lease loss provision to assets | 0.0281% | 3,260 |
| Net operating income to assets | 0.6944% | 4,020 |
| Return on assets (ROA) | 0.6944% | 4,080 |
| Pretax return on assets | 0.6944% | 4,341 |
| Return on Equity (ROE) | 7.2332% | 3,590 |
| Retained earnings to average equity (ytd only) | 4.7587% | 2,885 |
| Net charge-offs to loans | -0.0056% | 4,154 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0966% | 1,260 |
| Assets per employee ($millions) | 4.9999% | 2,477 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 24.4962% | 5,170 |
| Net loans and leases to deposits | 27.4467% | 5,191 |
| Net loans and leases to core deposits | 28.0165% | 5,193 |
| Total domestic deposits to total assets | 89.2502% | 568 |
| Equity capital to assets | 10.2953% | 3,703 |
| Core capital (leverage) ratio | 9.6939% | 3,937 |
| Tier 1 risk-based capital ratio | 22.7273% | 967 |
| Total risk-based capital ratio | 23.4966% | 1,008 |
| Memoranda: | ||
| Average total assets | $142,280,330 | 3,459 |
| Average earning assets | $131,711,670 | 3,449 |
| Average equity | $13,659,330 | 3,836 |
| Average total loans | $35,945,670 | 4,592 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5417% | 5,008 |
| Cost of funding earning assets | 0.6746% | 3,178 |
| Net interest margin | 2.8671% | 4,919 |
| Noninterest income to average assets | 0.6443% | 1,838 |
| Noninterest expense to average assets | 2.6994% | 2,908 |
| Loan and lease loss provision to assets | 0.0142% | 3,251 |
| Net operating income to assets | 0.5847% | 4,286 |
| Return on assets (ROA) | 0.5847% | 4,317 |
| Pretax return on assets | 0.5847% | 4,542 |
| Return on Equity (ROE) | 6.3263% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.5931% | 3,482 |
| Net charge-offs to loans | -0.0223% | 4,528 |
| Credit loss provision to net charge-offs | -250.0000% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8090% | 980 |
| Assets per employee ($millions) | 5.2420% | 2,240 |
| Cash dividends to net income (ytd only)* | 43.2039% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 3,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,782 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 24.4466% | 5,227 |
| Net loans and leases to deposits | 27.0597% | 5,245 |
| Net loans and leases to core deposits | 27.7120% | 5,248 |
| Total domestic deposits to total assets | 90.3432% | 339 |
| Equity capital to assets | 9.2671% | 4,467 |
| Core capital (leverage) ratio | 9.6869% | 3,932 |
| Tier 1 risk-based capital ratio | 18.9126% | 1,563 |
| Total risk-based capital ratio | 19.5423% | 1,669 |
| Memoranda: | ||
| Average total assets | $140,921,500 | 3,521 |
| Average earning assets | $130,445,000 | 3,508 |
| Average equity | $13,025,000 | 3,944 |
| Average total loans | $35,953,000 | 4,641 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 4,991 |
| Cost of funding earning assets | 0.5001% | 3,358 |
| Net interest margin | 2.9150% | 4,900 |
| Noninterest income to average assets | 0.6697% | 1,963 |
| Noninterest expense to average assets | 2.5514% | 3,463 |
| Loan and lease loss provision to assets | 0.0567% | 3,038 |
| Net operating income to assets | 0.7525% | 3,961 |
| Return on assets (ROA) | 0.7726% | 3,909 |
| Pretax return on assets | 0.7726% | 4,241 |
| Return on Equity (ROE) | 8.3260% | 3,310 |
| Retained earnings to average equity (ytd only) | 4.4684% | 3,065 |
| Net charge-offs to loans | 0.2677% | 721 |
| Credit loss provision to net charge-offs | 81.7204% | 2,841 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 2,609 |
| Efficiency ratio | 74.8779% | 1,511 |
| Assets per employee ($millions) | 4.5021% | 3,165 |
| Cash dividends to net income (ytd only)* | 46.3320% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 4,791 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 26.0891% | 5,255 |
| Net loans and leases to deposits | 28.8759% | 5,282 |
| Net loans and leases to core deposits | 29.7283% | 5,279 |
| Total domestic deposits to total assets | 90.3490% | 363 |
| Equity capital to assets | 9.2149% | 4,395 |
| Core capital (leverage) ratio | 10.3156% | 3,236 |
| Tier 1 risk-based capital ratio | 22.8698% | 933 |
| Total risk-based capital ratio | 23.6591% | 950 |
| Memoranda: | ||
| Average total assets | $134,084,800 | 3,593 |
| Average earning assets | $123,774,800 | 3,591 |
| Average equity | $12,443,000 | 3,970 |
| Average total loans | $34,736,200 | 4,697 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3759% | 5,060 |
| Cost of funding earning assets | 0.4898% | 3,258 |
| Net interest margin | 2.8861% | 4,995 |
| Noninterest income to average assets | 0.6137% | 2,245 |
| Noninterest expense to average assets | 2.5224% | 3,524 |
| Loan and lease loss provision to assets | 0.0757% | 2,446 |
| Net operating income to assets | 0.6804% | 4,288 |
| Return on assets (ROA) | 0.7063% | 4,213 |
| Pretax return on assets | 0.7063% | 4,520 |
| Return on Equity (ROE) | 7.5976% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.9225% | 2,169 |
| Net charge-offs to loans | 0.3515% | 464 |
| Credit loss provision to net charge-offs | 83.5165% | 2,489 |
| Earnings coverage of net charge-offs (x) | 8.3406% | 2,720 |
| Efficiency ratio | 75.8432% | 1,372 |
| Assets per employee ($millions) | 4.7119% | 2,831 |
| Cash dividends to net income (ytd only)* | 8.8860% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 4,903 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 26.2391% | 5,319 |
| Net loans and leases to deposits | 29.0103% | 5,353 |
| Net loans and leases to core deposits | 29.6301% | 5,350 |
| Total domestic deposits to total assets | 90.4474% | 362 |
| Equity capital to assets | 9.0735% | 4,482 |
| Core capital (leverage) ratio | 10.1968% | 3,412 |
| Tier 1 risk-based capital ratio | 23.5657% | 881 |
| Total risk-based capital ratio | 24.3692% | 901 |
| Memoranda: | ||
| Average total assets | $133,840,000 | 3,622 |
| Average earning assets | $123,577,750 | 3,627 |
| Average equity | $12,442,250 | 3,997 |
| Average total loans | $34,513,500 | 4,751 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3548% | 5,086 |
| Cost of funding earning assets | 0.4772% | 3,178 |
| Net interest margin | 2.8776% | 5,046 |
| Noninterest income to average assets | 0.6053% | 2,296 |
| Noninterest expense to average assets | 2.4763% | 3,693 |
| Loan and lease loss provision to assets | 0.0967% | 2,000 |
| Net operating income to assets | 0.6871% | 4,233 |
| Return on assets (ROA) | 0.6812% | 4,254 |
| Pretax return on assets | 0.6812% | 4,554 |
| Return on Equity (ROE) | 7.2702% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.2702% | 2,432 |
| Net charge-offs to loans | -0.0058% | 4,145 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8631% | 1,586 |
| Assets per employee ($millions) | 5.0396% | 2,365 |
| Cash dividends to net income (ytd only)* | 13.7555% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 2,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 25.5828% | 5,389 |
| Net loans and leases to deposits | 28.2029% | 5,414 |
| Net loans and leases to core deposits | 28.7922% | 5,413 |
| Total domestic deposits to total assets | 90.7098% | 324 |
| Equity capital to assets | 8.8860% | 4,657 |
| Core capital (leverage) ratio | 9.8274% | 3,758 |
| Tier 1 risk-based capital ratio | 16.9895% | 2,102 |
| Total risk-based capital ratio | 17.6593% | 2,234 |
| Memoranda: | ||
| Average total assets | $134,475,670 | 3,637 |
| Average earning assets | $124,061,670 | 3,645 |
| Average equity | $12,599,330 | 3,995 |
| Average total loans | $34,371,000 | 4,800 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2751% | 5,162 |
| Cost of funding earning assets | 0.4470% | 3,220 |
| Net interest margin | 2.8280% | 5,127 |
| Noninterest income to average assets | 0.6224% | 2,162 |
| Noninterest expense to average assets | 2.5464% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6882% | 4,141 |
| Return on assets (ROA) | 0.6882% | 4,144 |
| Pretax return on assets | 0.6882% | 4,472 |
| Return on Equity (ROE) | 7.1576% | 3,721 |
| Retained earnings to average equity (ytd only) | 7.1576% | 2,211 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6133% | 1,392 |
| Assets per employee ($millions) | 5.1304% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 24.1133% | 5,465 |
| Net loans and leases to deposits | 26.5464% | 5,486 |
| Net loans and leases to core deposits | 27.0900% | 5,483 |
| Total domestic deposits to total assets | 90.8346% | 371 |
| Equity capital to assets | 8.9524% | 4,613 |
| Core capital (leverage) ratio | 9.6952% | 3,854 |
| Tier 1 risk-based capital ratio | 24.1803% | 826 |
| Total risk-based capital ratio | 25.0249% | 840 |
| Memoranda: | ||
| Average total assets | $133,679,500 | 3,682 |
| Average earning assets | $123,477,500 | 3,688 |
| Average equity | $12,853,500 | 3,985 |
| Average total loans | $33,917,500 | 4,868 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1096% | 5,276 |
| Cost of funding earning assets | 0.3041% | 4,096 |
| Net interest margin | 2.8056% | 5,162 |
| Noninterest income to average assets | 0.6511% | 2,189 |
| Noninterest expense to average assets | 2.6312% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6007% | 4,008 |
| Return on assets (ROA) | 0.6198% | 3,972 |
| Pretax return on assets | 0.6198% | 4,696 |
| Return on Equity (ROE) | 6.0262% | 3,749 |
| Retained earnings to average equity (ytd only) | 4.1685% | 2,664 |
| Net charge-offs to loans | 0.0642% | 2,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 37.4286% | 1,316 |
| Efficiency ratio | 80.3027% | 1,077 |
| Assets per employee ($millions) | 4.6014% | 3,026 |
| Cash dividends to net income (ytd only)* | 30.8261% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 26.0979% | 5,500 |
| Net loans and leases to deposits | 29.1779% | 5,528 |
| Net loans and leases to core deposits | 29.7300% | 5,536 |
| Total domestic deposits to total assets | 89.4441% | 803 |
| Equity capital to assets | 10.3277% | 3,354 |
| Core capital (leverage) ratio | 10.3027% | 3,065 |
| Tier 1 risk-based capital ratio | 24.6642% | 757 |
| Total risk-based capital ratio | 25.5488% | 775 |
| Memoranda: | ||
| Average total assets | $130,851,800 | 3,736 |
| Average earning assets | $120,368,000 | 3,741 |
| Average equity | $13,458,000 | 3,923 |
| Average total loans | $32,711,600 | 4,937 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0887% | 5,348 |
| Cost of funding earning assets | 0.2977% | 4,156 |
| Net interest margin | 2.7910% | 5,232 |
| Noninterest income to average assets | 0.6445% | 2,236 |
| Noninterest expense to average assets | 2.6249% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5887% | 4,427 |
| Return on assets (ROA) | 0.6039% | 4,419 |
| Pretax return on assets | 0.6039% | 4,834 |
| Return on Equity (ROE) | 5.8781% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.8781% | 2,318 |
| Net charge-offs to loans | 0.0453% | 2,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 52.7137% | 1,082 |
| Efficiency ratio | 80.5433% | 1,042 |
| Assets per employee ($millions) | 4.5174% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 26.0849% | 5,566 |
| Net loans and leases to deposits | 29.4584% | 5,597 |
| Net loans and leases to core deposits | 30.0317% | 5,601 |
| Total domestic deposits to total assets | 88.5482% | 1,100 |
| Equity capital to assets | 11.1577% | 2,708 |
| Core capital (leverage) ratio | 10.0070% | 3,552 |
| Tier 1 risk-based capital ratio | 25.3235% | 722 |
| Total risk-based capital ratio | 26.2495% | 735 |
| Memoranda: | ||
| Average total assets | $131,355,250 | 3,761 |
| Average earning assets | $120,911,500 | 3,772 |
| Average equity | $13,496,000 | 3,957 |
| Average total loans | $32,381,750 | 4,998 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9928% | 5,445 |
| Cost of funding earning assets | 0.2794% | 4,300 |
| Net interest margin | 2.7135% | 5,348 |
| Noninterest income to average assets | 0.6242% | 2,353 |
| Noninterest expense to average assets | 2.5478% | 3,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5745% | 4,409 |
| Return on assets (ROA) | 0.5821% | 4,436 |
| Pretax return on assets | 0.5821% | 4,838 |
| Return on Equity (ROE) | 5.8238% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.8238% | 2,214 |
| Net charge-offs to loans | -0.0312% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4432% | 1,166 |
| Assets per employee ($millions) | 4.6070% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 2,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 5,164 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 23.7702% | 5,650 |
| Net loans and leases to deposits | 26.6007% | 5,671 |
| Net loans and leases to core deposits | 27.2015% | 5,673 |
| Total domestic deposits to total assets | 89.3596% | 781 |
| Equity capital to assets | 10.3986% | 3,458 |
| Core capital (leverage) ratio | 9.5705% | 4,050 |
| Tier 1 risk-based capital ratio | 24.1952% | 833 |
| Total risk-based capital ratio | 25.1256% | 845 |
| Memoranda: | ||
| Average total assets | $132,978,000 | 3,769 |
| Average earning assets | $122,426,670 | 3,759 |
| Average equity | $13,290,330 | 3,996 |
| Average total loans | $32,038,670 | 5,041 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9881% | 5,470 |
| Cost of funding earning assets | 0.2479% | 4,551 |
| Net interest margin | 2.7402% | 5,336 |
| Noninterest income to average assets | 0.6332% | 2,251 |
| Noninterest expense to average assets | 2.5236% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6422% | 3,963 |
| Return on assets (ROA) | 0.6422% | 4,001 |
| Pretax return on assets | 0.6422% | 4,619 |
| Return on Equity (ROE) | 6.5594% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.5594% | 2,049 |
| Net charge-offs to loans | -0.0250% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 1,553 |
| Assets per employee ($millions) | 4.7219% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 2,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 5,216 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 22.2866% | 5,724 |
| Net loans and leases to deposits | 24.6969% | 5,740 |
| Net loans and leases to core deposits | 25.2104% | 5,740 |
| Total domestic deposits to total assets | 90.2406% | 563 |
| Equity capital to assets | 9.5820% | 4,201 |
| Core capital (leverage) ratio | 9.3239% | 4,315 |
| Tier 1 risk-based capital ratio | 24.0697% | 862 |
| Total risk-based capital ratio | 25.0029% | 873 |
| Memoranda: | ||
| Average total assets | $132,665,000 | 3,803 |
| Average earning assets | $122,618,000 | 3,799 |
| Average equity | $12,989,000 | 4,061 |
| Average total loans | $31,962,500 | 5,095 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8848% | 5,590 |
| Cost of funding earning assets | 0.2209% | 4,821 |
| Net interest margin | 2.6639% | 5,457 |
| Noninterest income to average assets | 0.6520% | 2,411 |
| Noninterest expense to average assets | 2.4707% | 4,103 |
| Loan and lease loss provision to assets | -0.0423% | 5,567 |
| Net operating income to assets | 0.7079% | 3,748 |
| Return on assets (ROA) | 0.7275% | 3,763 |
| Pretax return on assets | 0.7275% | 4,397 |
| Return on Equity (ROE) | 7.0123% | 3,457 |
| Retained earnings to average equity (ytd only) | 3.5425% | 3,412 |
| Net charge-offs to loans | 0.4874% | 506 |
| Credit loss provision to net charge-offs | -35.4430% | 4,798 |
| Earnings coverage of net charge-offs (x) | 5.5823% | 3,319 |
| Efficiency ratio | 77.6468% | 1,749 |
| Assets per employee ($millions) | 4.5856% | 2,992 |
| Cash dividends to net income (ytd only)* | 49.4813% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 5,273 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 25.3505% | 5,741 |
| Net loans and leases to deposits | 28.2330% | 5,759 |
| Net loans and leases to core deposits | 28.8624% | 5,765 |
| Total domestic deposits to total assets | 89.7902% | 730 |
| Equity capital to assets | 10.0136% | 3,708 |
| Core capital (leverage) ratio | 9.5190% | 4,057 |
| Tier 1 risk-based capital ratio | 22.3024% | 1,041 |
| Total risk-based capital ratio | 23.1759% | 1,067 |
| Memoranda: | ||
| Average total assets | $132,510,800 | 3,792 |
| Average earning assets | $123,578,600 | 3,757 |
| Average equity | $13,747,200 | 3,976 |
| Average total loans | $32,418,600 | 5,120 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8751% | 5,673 |
| Cost of funding earning assets | 0.2200% | 4,879 |
| Net interest margin | 2.6551% | 5,539 |
| Noninterest income to average assets | 0.6520% | 2,411 |
| Noninterest expense to average assets | 2.4462% | 4,142 |
| Loan and lease loss provision to assets | -0.0559% | 5,730 |
| Net operating income to assets | 0.7438% | 3,632 |
| Return on assets (ROA) | 0.7538% | 3,718 |
| Pretax return on assets | 0.7538% | 4,463 |
| Return on Equity (ROE) | 7.2059% | 3,444 |
| Retained earnings to average equity (ytd only) | 5.6788% | 2,372 |
| Net charge-offs to loans | 0.6567% | 303 |
| Credit loss provision to net charge-offs | -35.2201% | 4,662 |
| Earnings coverage of net charge-offs (x) | 4.3334% | 3,284 |
| Efficiency ratio | 76.9353% | 1,844 |
| Assets per employee ($millions) | 4.7813% | 2,636 |
| Cash dividends to net income (ytd only)* | 21.1923% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 2,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 5,402 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 23.9877% | 5,823 |
| Net loans and leases to deposits | 26.9793% | 5,840 |
| Net loans and leases to core deposits | 27.5607% | 5,846 |
| Total domestic deposits to total assets | 88.9115% | 952 |
| Equity capital to assets | 10.8435% | 3,208 |
| Core capital (leverage) ratio | 9.2046% | 4,580 |
| Tier 1 risk-based capital ratio | 22.6039% | 1,052 |
| Total risk-based capital ratio | 23.4803% | 1,089 |
| Memoranda: | ||
| Average total assets | $133,539,500 | 3,797 |
| Average earning assets | $124,838,750 | 3,759 |
| Average equity | $13,969,750 | 3,977 |
| Average total loans | $32,279,000 | 5,170 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8392% | 5,779 |
| Cost of funding earning assets | 0.2179% | 4,964 |
| Net interest margin | 2.6213% | 5,649 |
| Noninterest income to average assets | 0.6475% | 2,381 |
| Noninterest expense to average assets | 2.3593% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7405% | 3,600 |
| Return on assets (ROA) | 0.7555% | 3,677 |
| Pretax return on assets | 0.7555% | 4,440 |
| Return on Equity (ROE) | 7.3111% | 3,364 |
| Retained earnings to average equity (ytd only) | 6.1506% | 2,037 |
| Net charge-offs to loans | -0.1056% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9516% | 2,225 |
| Assets per employee ($millions) | 5.1237% | 2,170 |
| Cash dividends to net income (ytd only)* | 15.8730% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8732% | 940 |
| Loan loss allowance to noncurrent loans | 211.1864% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 4,545 |
| Noncurrent loans to loans | 0.8870% | 2,517 |
| Net loans and leases to total assets | 23.5913% | 5,899 |
| Net loans and leases to deposits | 26.3689% | 5,920 |
| Net loans and leases to core deposits | 26.7491% | 5,929 |
| Total domestic deposits to total assets | 89.4665% | 701 |
| Equity capital to assets | 10.3680% | 3,771 |
| Core capital (leverage) ratio | 9.1097% | 4,703 |
| Tier 1 risk-based capital ratio | 21.2968% | 1,226 |
| Total risk-based capital ratio | 22.4396% | 1,225 |
| Memoranda: | ||
| Average total assets | $133,427,000 | 3,822 |
| Average earning assets | $124,825,670 | 3,782 |
| Average equity | $13,787,330 | 4,017 |
| Average total loans | $32,191,670 | 5,226 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8401% | 5,831 |
| Cost of funding earning assets | 0.2190% | 5,011 |
| Net interest margin | 2.6211% | 5,704 |
| Noninterest income to average assets | 0.6536% | 2,244 |
| Noninterest expense to average assets | 2.4219% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6811% | 3,811 |
| Return on assets (ROA) | 0.7116% | 3,776 |
| Pretax return on assets | 0.7116% | 4,488 |
| Return on Equity (ROE) | 6.8988% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.8988% | 1,932 |
| Net charge-offs to loans | 0.6823% | 315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.1296% | 2,462 |
| Efficiency ratio | 76.8701% | 2,062 |
| Assets per employee ($millions) | 5.1792% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 1,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 5,535 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 23.3687% | 5,955 |
| Net loans and leases to deposits | 26.0646% | 5,971 |
| Net loans and leases to core deposits | 26.3940% | 5,980 |
| Total domestic deposits to total assets | 89.6568% | 756 |
| Equity capital to assets | 10.2422% | 3,804 |
| Core capital (leverage) ratio | 9.1938% | 4,608 |
| Tier 1 risk-based capital ratio | 19.6436% | 1,584 |
| Total risk-based capital ratio | 20.6013% | 1,610 |
| Memoranda: | ||
| Average total assets | $130,971,000 | 3,897 |
| Average earning assets | $122,390,500 | 3,860 |
| Average equity | $13,509,500 | 4,077 |
| Average total loans | $31,658,000 | 5,280 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8619% | 5,843 |
| Cost of funding earning assets | 0.2099% | 5,192 |
| Net interest margin | 2.6520% | 5,703 |
| Noninterest income to average assets | 0.6518% | 2,453 |
| Noninterest expense to average assets | 2.4877% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6711% | 3,946 |
| Return on assets (ROA) | 0.6975% | 3,929 |
| Pretax return on assets | 0.6975% | 4,536 |
| Return on Equity (ROE) | 6.8180% | 3,608 |
| Retained earnings to average equity (ytd only) | 3.6893% | 3,423 |
| Net charge-offs to loans | -0.0870% | 5,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6006% | 2,031 |
| Assets per employee ($millions) | 4.7142% | 2,715 |
| Cash dividends to net income (ytd only)* | 45.8889% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0538% | 736 |
| Loan loss allowance to noncurrent loans | 944.1176% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 5,306 |
| Noncurrent loans to loans | 0.2175% | 4,642 |
| Net loans and leases to total assets | 24.0543% | 5,999 |
| Net loans and leases to deposits | 26.8738% | 6,025 |
| Net loans and leases to core deposits | 27.2667% | 6,029 |
| Total domestic deposits to total assets | 89.5084% | 851 |
| Equity capital to assets | 10.3918% | 3,501 |
| Core capital (leverage) ratio | 9.3759% | 4,363 |
| Tier 1 risk-based capital ratio | 19.4625% | 1,590 |
| Total risk-based capital ratio | 20.5126% | 1,601 |
| Memoranda: | ||
| Average total assets | $129,036,400 | 3,905 |
| Average earning assets | $121,983,600 | 3,839 |
| Average equity | $13,200,400 | 4,096 |
| Average total loans | $29,892,400 | 5,364 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8278% | 5,942 |
| Cost of funding earning assets | 0.2127% | 5,261 |
| Net interest margin | 2.6151% | 5,819 |
| Noninterest income to average assets | 0.6292% | 2,588 |
| Noninterest expense to average assets | 2.4591% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6518% | 4,123 |
| Return on assets (ROA) | 0.6642% | 4,171 |
| Pretax return on assets | 0.6642% | 4,792 |
| Return on Equity (ROE) | 6.5181% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.9012% | 2,985 |
| Net charge-offs to loans | -0.0316% | 5,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8881% | 1,957 |
| Assets per employee ($millions) | 4.5191% | 2,974 |
| Cash dividends to net income (ytd only)* | 24.8064% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0106% | 904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 5,677 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 23.9955% | 6,094 |
| Net loans and leases to deposits | 26.8721% | 6,118 |
| Net loans and leases to core deposits | 27.4366% | 6,119 |
| Total domestic deposits to total assets | 89.2955% | 873 |
| Equity capital to assets | 10.5527% | 3,548 |
| Core capital (leverage) ratio | 9.1983% | 4,730 |
| Tier 1 risk-based capital ratio | 19.6604% | 1,631 |
| Total risk-based capital ratio | 20.6904% | 1,650 |
| Memoranda: | ||
| Average total assets | $129,474,750 | 3,934 |
| Average earning assets | $122,873,750 | 3,864 |
| Average equity | $13,193,750 | 4,143 |
| Average total loans | $29,550,750 | 5,441 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7735% | 6,038 |
| Cost of funding earning assets | 0.2124% | 5,327 |
| Net interest margin | 2.5611% | 5,915 |
| Noninterest income to average assets | 0.6102% | 2,680 |
| Noninterest expense to average assets | 2.4514% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5994% | 4,347 |
| Return on assets (ROA) | 0.6086% | 4,416 |
| Pretax return on assets | 0.6086% | 4,955 |
| Return on Equity (ROE) | 6.0423% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.6071% | 3,733 |
| Net charge-offs to loans | -0.0275% | 5,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1457% | 1,891 |
| Assets per employee ($millions) | 4.6980% | 2,684 |
| Cash dividends to net income (ytd only)* | 40.3023% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1161% | 838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 21.9782% | 6,192 |
| Net loans and leases to deposits | 24.4133% | 6,212 |
| Net loans and leases to core deposits | 24.9035% | 6,212 |
| Total domestic deposits to total assets | 90.0254% | 655 |
| Equity capital to assets | 9.8674% | 4,190 |
| Core capital (leverage) ratio | 8.6960% | 5,322 |
| Tier 1 risk-based capital ratio | 18.7177% | 1,869 |
| Total risk-based capital ratio | 19.7228% | 1,895 |
| Memoranda: | ||
| Average total assets | $130,454,330 | 3,954 |
| Average earning assets | $124,319,330 | 3,875 |
| Average equity | $13,140,670 | 4,177 |
| Average total loans | $29,072,330 | 5,516 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7193% | 6,121 |
| Cost of funding earning assets | 0.2067% | 5,449 |
| Net interest margin | 2.5126% | 6,001 |
| Noninterest income to average assets | 0.6097% | 2,595 |
| Noninterest expense to average assets | 2.4910% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5142% | 4,603 |
| Return on assets (ROA) | 0.5327% | 4,651 |
| Pretax return on assets | 0.5327% | 5,091 |
| Return on Equity (ROE) | 5.2341% | 4,409 |
| Retained earnings to average equity (ytd only) | 2.8137% | 4,276 |
| Net charge-offs to loans | -0.0277% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6598% | 1,663 |
| Assets per employee ($millions) | 5.0456% | 2,294 |
| Cash dividends to net income (ytd only)* | 46.2428% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2061% | 801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 20.3045% | 6,264 |
| Net loans and leases to deposits | 22.5232% | 6,285 |
| Net loans and leases to core deposits | 22.8851% | 6,285 |
| Total domestic deposits to total assets | 90.1491% | 675 |
| Equity capital to assets | 9.7841% | 4,402 |
| Core capital (leverage) ratio | 8.7285% | 5,291 |
| Tier 1 risk-based capital ratio | 18.6368% | 1,961 |
| Total risk-based capital ratio | 19.6487% | 1,986 |
| Memoranda: | ||
| Average total assets | $129,909,500 | 3,991 |
| Average earning assets | $123,856,000 | 3,906 |
| Average equity | $13,221,000 | 4,202 |
| Average total loans | $28,840,500 | 5,563 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0379% | 6,019 |
| Cost of funding earning assets | 0.2099% | 5,664 |
| Net interest margin | 2.8280% | 5,765 |
| Noninterest income to average assets | 0.7412% | 2,118 |
| Noninterest expense to average assets | 2.5930% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8407% | 3,173 |
| Return on assets (ROA) | 0.9495% | 2,716 |
| Pretax return on assets | 0.9495% | 3,690 |
| Return on Equity (ROE) | 9.0962% | 2,542 |
| Retained earnings to average equity (ytd only) | -20.1231% | 6,426 |
| Net charge-offs to loans | -0.1074% | 6,129 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4597% | 2,758 |
| Assets per employee ($millions) | 4.5773% | 2,912 |
| Cash dividends to net income (ytd only)* | 321.2256% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1125% | 930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 23.2830% | 6,327 |
| Net loans and leases to deposits | 26.0730% | 6,345 |
| Net loans and leases to core deposits | 26.5393% | 6,350 |
| Total domestic deposits to total assets | 89.2991% | 1,070 |
| Equity capital to assets | 10.6103% | 3,347 |
| Core capital (leverage) ratio | 9.1782% | 4,713 |
| Tier 1 risk-based capital ratio | 18.7969% | 1,910 |
| Total risk-based capital ratio | 19.8398% | 1,931 |
| Memoranda: | ||
| Average total assets | $118,588,800 | 4,213 |
| Average earning assets | $112,906,400 | 4,115 |
| Average equity | $12,378,800 | 4,288 |
| Average total loans | $28,857,800 | 5,613 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0401% | 6,094 |
| Cost of funding earning assets | 0.2148% | 5,717 |
| Net interest margin | 2.8252% | 5,835 |
| Noninterest income to average assets | 0.7352% | 2,154 |
| Noninterest expense to average assets | 2.5987% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8261% | 3,308 |
| Return on assets (ROA) | 0.9715% | 2,656 |
| Pretax return on assets | 0.9715% | 3,713 |
| Return on Equity (ROE) | 9.3477% | 2,523 |
| Retained earnings to average equity (ytd only) | -26.5015% | 6,517 |
| Net charge-offs to loans | -0.1300% | 6,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9834% | 2,663 |
| Assets per employee ($millions) | 4.7356% | 2,612 |
| Cash dividends to net income (ytd only)* | 383.5092% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1503% | 1,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 22.8774% | 6,406 |
| Net loans and leases to deposits | 25.5425% | 6,431 |
| Net loans and leases to core deposits | 26.1195% | 6,433 |
| Total domestic deposits to total assets | 89.5660% | 954 |
| Equity capital to assets | 10.2748% | 3,818 |
| Core capital (leverage) ratio | 9.1750% | 4,818 |
| Tier 1 risk-based capital ratio | 19.2481% | 1,841 |
| Total risk-based capital ratio | 20.3064% | 1,859 |
| Memoranda: | ||
| Average total assets | $117,339,000 | 4,275 |
| Average earning assets | $111,705,500 | 4,179 |
| Average equity | $12,195,250 | 4,346 |
| Average total loans | $28,723,250 | 5,674 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0746% | 6,099 |
| Cost of funding earning assets | 0.2199% | 5,747 |
| Net interest margin | 2.8547% | 5,811 |
| Noninterest income to average assets | 0.7261% | 2,162 |
| Noninterest expense to average assets | 2.5786% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8699% | 2,958 |
| Return on assets (ROA) | 1.0831% | 2,062 |
| Pretax return on assets | 1.0831% | 3,168 |
| Return on Equity (ROE) | 10.3792% | 1,983 |
| Retained earnings to average equity (ytd only) | -43.0114% | 6,618 |
| Net charge-offs to loans | -0.1812% | 6,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2211% | 2,937 |
| Assets per employee ($millions) | 4.6051% | 2,760 |
| Cash dividends to net income (ytd only)* | 514.4000% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0393% | 1,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 23.7986% | 6,457 |
| Net loans and leases to deposits | 26.5231% | 6,485 |
| Net loans and leases to core deposits | 27.1146% | 6,483 |
| Total domestic deposits to total assets | 89.7281% | 951 |
| Equity capital to assets | 10.1553% | 3,897 |
| Core capital (leverage) ratio | 9.0162% | 4,995 |
| Tier 1 risk-based capital ratio | 18.7621% | 1,986 |
| Total risk-based capital ratio | 19.8055% | 2,006 |
| Memoranda: | ||
| Average total assets | $115,410,000 | 4,343 |
| Average earning assets | $110,063,330 | 4,242 |
| Average equity | $12,043,330 | 4,387 |
| Average total loans | $28,702,000 | 5,715 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1091% | 6,108 |
| Cost of funding earning assets | 0.2186% | 5,858 |
| Net interest margin | 2.8905% | 5,775 |
| Noninterest income to average assets | 0.7103% | 2,125 |
| Noninterest expense to average assets | 2.6103% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8653% | 2,825 |
| Return on assets (ROA) | 0.9987% | 2,271 |
| Pretax return on assets | 0.9987% | 3,323 |
| Return on Equity (ROE) | 9.4286% | 2,279 |
| Retained earnings to average equity (ytd only) | -98.4385% | 6,713 |
| Net charge-offs to loans | 0.0429% | 2,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 538 |
| Efficiency ratio | 75.1037% | 2,953 |
| Assets per employee ($millions) | 4.6353% | 2,748 |
| Cash dividends to net income (ytd only)* | 1,144.0433% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 1,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 24.2433% | 6,505 |
| Net loans and leases to deposits | 26.7952% | 6,531 |
| Net loans and leases to core deposits | 27.3831% | 6,534 |
| Total domestic deposits to total assets | 90.4764% | 812 |
| Equity capital to assets | 9.4413% | 4,575 |
| Core capital (leverage) ratio | 10.0276% | 3,536 |
| Tier 1 risk-based capital ratio | 18.1830% | 2,215 |
| Total risk-based capital ratio | 19.1746% | 2,308 |
| Memoranda: | ||
| Average total assets | $110,945,500 | 4,471 |
| Average earning assets | $106,139,000 | 4,360 |
| Average equity | $11,751,500 | 4,461 |
| Average total loans | $27,949,500 | 5,801 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0144% | 6,330 |
| Cost of funding earning assets | 0.2323% | 6,080 |
| Net interest margin | 2.7821% | 6,008 |
| Noninterest income to average assets | 0.6476% | 2,821 |
| Noninterest expense to average assets | 2.4606% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8514% | 3,024 |
| Return on assets (ROA) | 0.8740% | 2,994 |
| Pretax return on assets | 0.8740% | 3,874 |
| Return on Equity (ROE) | 7.0448% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.2999% | 3,114 |
| Net charge-offs to loans | -0.2863% | 6,666 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2942% | 3,083 |
| Assets per employee ($millions) | 4.0308% | 3,803 |
| Cash dividends to net income (ytd only)* | 38.9640% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3627% | 967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 25.2029% | 6,585 |
| Net loans and leases to deposits | 28.7021% | 6,605 |
| Net loans and leases to core deposits | 29.5380% | 6,606 |
| Total domestic deposits to total assets | 87.8084% | 2,298 |
| Equity capital to assets | 12.0810% | 1,750 |
| Core capital (leverage) ratio | 11.8637% | 1,707 |
| Tier 1 risk-based capital ratio | 23.8014% | 977 |
| Total risk-based capital ratio | 25.0097% | 966 |
| Memoranda: | ||
| Average total assets | $101,601,400 | 4,701 |
| Average earning assets | $97,299,600 | 4,585 |
| Average equity | $12,605,000 | 4,331 |
| Average total loans | $23,055,600 | 6,076 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9629% | 6,455 |
| Cost of funding earning assets | 0.2401% | 6,154 |
| Net interest margin | 2.7228% | 6,134 |
| Noninterest income to average assets | 0.6328% | 2,975 |
| Noninterest expense to average assets | 2.4120% | 4,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8235% | 3,231 |
| Return on assets (ROA) | 0.8507% | 3,206 |
| Pretax return on assets | 0.8507% | 4,091 |
| Return on Equity (ROE) | 6.8148% | 3,759 |
| Retained earnings to average equity (ytd only) | 5.8071% | 2,533 |
| Net charge-offs to loans | -0.5670% | 6,794 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5491% | 2,978 |
| Assets per employee ($millions) | 4.1386% | 3,563 |
| Cash dividends to net income (ytd only)* | 14.7867% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6349% | 804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 23.0282% | 6,705 |
| Net loans and leases to deposits | 26.1280% | 6,725 |
| Net loans and leases to core deposits | 26.8611% | 6,729 |
| Total domestic deposits to total assets | 88.1360% | 2,035 |
| Equity capital to assets | 11.6807% | 2,143 |
| Core capital (leverage) ratio | 11.3749% | 2,146 |
| Tier 1 risk-based capital ratio | 24.1402% | 979 |
| Total risk-based capital ratio | 25.3910% | 963 |
| Memoranda: | ||
| Average total assets | $102,817,000 | 4,717 |
| Average earning assets | $98,278,500 | 4,604 |
| Average equity | $12,834,500 | 4,342 |
| Average total loans | $22,576,750 | 6,156 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8866% | 6,542 |
| Cost of funding earning assets | 0.2454% | 6,205 |
| Net interest margin | 2.6412% | 6,281 |
| Noninterest income to average assets | 0.6117% | 3,124 |
| Noninterest expense to average assets | 2.4197% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7174% | 3,730 |
| Return on assets (ROA) | 0.7578% | 3,675 |
| Pretax return on assets | 0.7578% | 4,476 |
| Return on Equity (ROE) | 5.9493% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.5718% | 2,693 |
| Net charge-offs to loans | -0.0898% | 6,473 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1306% | 2,604 |
| Assets per employee ($millions) | 4.3981% | 2,990 |
| Cash dividends to net income (ytd only)* | 6.3452% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3845% | 1,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 20.6717% | 6,782 |
| Net loans and leases to deposits | 23.5398% | 6,809 |
| Net loans and leases to core deposits | 24.1660% | 6,809 |
| Total domestic deposits to total assets | 87.8158% | 2,375 |
| Equity capital to assets | 12.0705% | 1,868 |
| Core capital (leverage) ratio | 10.6299% | 2,733 |
| Tier 1 risk-based capital ratio | 23.6052% | 1,046 |
| Total risk-based capital ratio | 24.7041% | 1,049 |
| Memoranda: | ||
| Average total assets | $103,980,670 | 4,727 |
| Average earning assets | $99,423,330 | 4,603 |
| Average equity | $13,245,330 | 4,286 |
| Average total loans | $22,271,670 | 6,207 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8750% | 6,630 |
| Cost of funding earning assets | 0.2558% | 6,249 |
| Net interest margin | 2.6192% | 6,344 |
| Noninterest income to average assets | 0.6047% | 3,109 |
| Noninterest expense to average assets | 2.4653% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6396% | 4,021 |
| Return on assets (ROA) | 0.6396% | 4,183 |
| Pretax return on assets | 0.6396% | 4,805 |
| Return on Equity (ROE) | 4.8898% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.8898% | 3,303 |
| Net charge-offs to loans | -0.0900% | 6,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4007% | 2,415 |
| Assets per employee ($millions) | 4.5110% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3995% | 1,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 19.8378% | 6,858 |
| Net loans and leases to deposits | 22.6618% | 6,881 |
| Net loans and leases to core deposits | 23.2500% | 6,879 |
| Total domestic deposits to total assets | 87.5387% | 2,610 |
| Equity capital to assets | 12.3874% | 1,782 |
| Core capital (leverage) ratio | 10.5110% | 2,762 |
| Tier 1 risk-based capital ratio | 23.5108% | 1,084 |
| Total risk-based capital ratio | 24.6148% | 1,085 |
| Memoranda: | ||
| Average total assets | $103,193,500 | 4,786 |
| Average earning assets | $98,503,500 | 4,669 |
| Average equity | $13,497,500 | 4,285 |
| Average total loans | $22,231,000 | 6,262 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 6,591 |
| Cost of funding earning assets | 0.2813% | 6,547 |
| Net interest margin | 3.0118% | 6,027 |
| Noninterest income to average assets | 0.6727% | 2,867 |
| Noninterest expense to average assets | 2.6112% | 4,703 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9269% | 2,667 |
| Return on assets (ROA) | 0.9651% | 2,718 |
| Pretax return on assets | 0.9651% | 3,682 |
| Return on Equity (ROE) | 7.0814% | 3,596 |
| Retained earnings to average equity (ytd only) | 3.5180% | 3,739 |
| Net charge-offs to loans | 0.5043% | 2,226 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 7.6017% | 2,563 |
| Efficiency ratio | 73.8026% | 3,098 |
| Assets per employee ($millions) | 4.0885% | 3,768 |
| Cash dividends to net income (ytd only)* | 50.3212% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3289% | 1,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 22.3533% | 6,888 |
| Net loans and leases to deposits | 25.9792% | 6,904 |
| Net loans and leases to core deposits | 26.7370% | 6,900 |
| Total domestic deposits to total assets | 86.0432% | 3,338 |
| Equity capital to assets | 13.8437% | 1,103 |
| Core capital (leverage) ratio | 11.4432% | 1,915 |
| Tier 1 risk-based capital ratio | 25.6357% | 797 |
| Total risk-based capital ratio | 26.8457% | 791 |
| Memoranda: | ||
| Average total assets | $96,774,400 | 4,917 |
| Average earning assets | $92,070,800 | 4,808 |
| Average equity | $13,189,400 | 4,320 |
| Average total loans | $23,401,000 | 6,273 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3803% | 6,651 |
| Cost of funding earning assets | 0.2918% | 6,649 |
| Net interest margin | 3.0884% | 5,965 |
| Noninterest income to average assets | 0.6650% | 2,903 |
| Noninterest expense to average assets | 2.6006% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0051% | 2,473 |
| Return on assets (ROA) | 1.0300% | 2,582 |
| Pretax return on assets | 1.0300% | 3,600 |
| Return on Equity (ROE) | 7.5879% | 3,487 |
| Retained earnings to average equity (ytd only) | 6.2842% | 2,498 |
| Net charge-offs to loans | 0.3779% | 2,586 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.8509% | 2,140 |
| Efficiency ratio | 72.1242% | 3,304 |
| Assets per employee ($millions) | 3.9782% | 3,915 |
| Cash dividends to net income (ytd only)* | 17.1809% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5741% | 1,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 22.7544% | 6,991 |
| Net loans and leases to deposits | 26.5964% | 7,003 |
| Net loans and leases to core deposits | 27.2059% | 7,000 |
| Total domestic deposits to total assets | 85.5545% | 3,481 |
| Equity capital to assets | 14.2601% | 1,058 |
| Core capital (leverage) ratio | 11.5453% | 1,954 |
| Tier 1 risk-based capital ratio | 26.9001% | 751 |
| Total risk-based capital ratio | 28.1524% | 734 |
| Memoranda: | ||
| Average total assets | $96,437,000 | 4,976 |
| Average earning assets | $91,825,000 | 4,856 |
| Average equity | $13,090,750 | 4,378 |
| Average total loans | $23,637,000 | 6,343 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3970% | 6,728 |
| Cost of funding earning assets | 0.2995% | 6,743 |
| Net interest margin | 3.0975% | 6,014 |
| Noninterest income to average assets | 0.6614% | 2,885 |
| Noninterest expense to average assets | 2.5714% | 4,875 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0397% | 2,299 |
| Return on assets (ROA) | 1.0769% | 2,359 |
| Pretax return on assets | 1.0769% | 3,385 |
| Return on Equity (ROE) | 8.0675% | 3,230 |
| Retained earnings to average equity (ytd only) | 6.5655% | 2,347 |
| Net charge-offs to loans | 0.1080% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 38.6923% | 895 |
| Efficiency ratio | 71.2078% | 3,567 |
| Assets per employee ($millions) | 3.9117% | 4,053 |
| Cash dividends to net income (ytd only)* | 18.6180% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6107% | 1,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 23.9559% | 7,035 |
| Net loans and leases to deposits | 27.6836% | 7,047 |
| Net loans and leases to core deposits | 28.1666% | 7,054 |
| Total domestic deposits to total assets | 86.5347% | 3,047 |
| Equity capital to assets | 13.3303% | 1,380 |
| Core capital (leverage) ratio | 11.1715% | 2,147 |
| Tier 1 risk-based capital ratio | 25.1876% | 884 |
| Total risk-based capital ratio | 26.4401% | 869 |
| Memoranda: | ||
| Average total assets | $96,757,330 | 4,990 |
| Average earning assets | $92,140,000 | 4,866 |
| Average equity | $12,916,000 | 4,410 |
| Average total loans | $24,083,000 | 6,363 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4211% | 6,783 |
| Cost of funding earning assets | 0.3047% | 6,829 |
| Net interest margin | 3.1165% | 5,997 |
| Noninterest income to average assets | 0.6567% | 2,889 |
| Noninterest expense to average assets | 2.5644% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0682% | 2,216 |
| Return on assets (ROA) | 1.0682% | 2,408 |
| Pretax return on assets | 1.0682% | 3,447 |
| Return on Equity (ROE) | 7.9963% | 3,283 |
| Retained earnings to average equity (ytd only) | 6.7517% | 2,550 |
| Net charge-offs to loans | -0.0830% | 6,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5950% | 3,703 |
| Assets per employee ($millions) | 4.0655% | 3,872 |
| Cash dividends to net income (ytd only)* | 15.5642% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6911% | 1,127 |
| Loan loss allowance to noncurrent loans | 2,224.1379% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 6,837 |
| Noncurrent loans to loans | 0.1210% | 6,444 |
| Net loans and leases to total assets | 22.9474% | 7,102 |
| Net loans and leases to deposits | 26.2943% | 7,119 |
| Net loans and leases to core deposits | 26.8352% | 7,121 |
| Total domestic deposits to total assets | 87.2714% | 2,785 |
| Equity capital to assets | 12.6391% | 1,635 |
| Core capital (leverage) ratio | 10.8787% | 2,357 |
| Tier 1 risk-based capital ratio | 24.4881% | 953 |
| Total risk-based capital ratio | 25.7402% | 943 |
| Memoranda: | ||
| Average total assets | $96,240,000 | 5,034 |
| Average earning assets | $91,899,000 | 4,913 |
| Average equity | $12,856,000 | 4,427 |
| Average total loans | $24,097,000 | 6,416 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 6,370 |
| Cost of funding earning assets | 0.4165% | 6,845 |
| Net interest margin | 3.6303% | 4,606 |
| Noninterest income to average assets | 0.8026% | 2,044 |
| Noninterest expense to average assets | 2.8281% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4278% | 972 |
| Return on assets (ROA) | 1.4793% | 944 |
| Pretax return on assets | 1.4793% | 1,533 |
| Return on Equity (ROE) | 10.5702% | 1,854 |
| Retained earnings to average equity (ytd only) | 5.3260% | 2,434 |
| Net charge-offs to loans | -0.2080% | 7,212 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4514% | 4,675 |
| Assets per employee ($millions) | 3.6337% | 4,699 |
| Cash dividends to net income (ytd only)* | 49.6130% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6418% | 1,141 |
| Loan loss allowance to noncurrent loans | 1,684.2105% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 6,863 |
| Noncurrent loans to loans | 0.1569% | 6,438 |
| Net loans and leases to total assets | 25.9635% | 7,120 |
| Net loans and leases to deposits | 30.2738% | 7,129 |
| Net loans and leases to core deposits | 30.9833% | 7,133 |
| Total domestic deposits to total assets | 85.7622% | 3,453 |
| Equity capital to assets | 14.1629% | 1,012 |
| Core capital (leverage) ratio | 11.5289% | 1,869 |
| Tier 1 risk-based capital ratio | 25.0071% | 867 |
| Total risk-based capital ratio | 26.2601% | 860 |
| Memoranda: | ||
| Average total assets | $87,337,200 | 5,251 |
| Average earning assets | $83,078,200 | 5,140 |
| Average equity | $12,223,000 | 4,495 |
| Average total loans | $25,959,800 | 6,360 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 6,319 |
| Cost of funding earning assets | 0.4380% | 6,916 |
| Net interest margin | 3.7113% | 4,288 |
| Noninterest income to average assets | 0.8281% | 1,933 |
| Noninterest expense to average assets | 2.9115% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4449% | 1,063 |
| Return on assets (ROA) | 1.4449% | 1,137 |
| Pretax return on assets | 1.4449% | 1,800 |
| Return on Equity (ROE) | 10.3571% | 2,083 |
| Retained earnings to average equity (ytd only) | 8.4117% | 1,348 |
| Net charge-offs to loans | -0.3283% | 7,313 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8319% | 4,557 |
| Assets per employee ($millions) | 3.7291% | 4,461 |
| Cash dividends to net income (ytd only)* | 18.7833% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6221% | 1,240 |
| Loan loss allowance to noncurrent loans | 3,431.5789% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 7,012 |
| Noncurrent loans to loans | 0.0764% | 6,739 |
| Net loans and leases to total assets | 25.9729% | 7,191 |
| Net loans and leases to deposits | 30.3255% | 7,214 |
| Net loans and leases to core deposits | 31.1458% | 7,214 |
| Total domestic deposits to total assets | 85.6470% | 3,422 |
| Equity capital to assets | 14.1213% | 1,112 |
| Core capital (leverage) ratio | 12.0348% | 1,687 |
| Tier 1 risk-based capital ratio | 24.6819% | 941 |
| Total risk-based capital ratio | 25.9359% | 924 |
| Memoranda: | ||
| Average total assets | $86,460,750 | 5,315 |
| Average earning assets | $82,197,750 | 5,211 |
| Average equity | $12,062,250 | 4,554 |
| Average total loans | $26,393,250 | 6,390 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3060% | 6,008 |
| Cost of funding earning assets | 0.4571% | 6,985 |
| Net interest margin | 3.8489% | 3,538 |
| Noninterest income to average assets | 0.8693% | 1,746 |
| Noninterest expense to average assets | 2.9761% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5534% | 799 |
| Return on assets (ROA) | 1.5534% | 852 |
| Pretax return on assets | 1.5534% | 1,372 |
| Return on Equity (ROE) | 11.1846% | 1,732 |
| Retained earnings to average equity (ytd only) | 8.6706% | 1,212 |
| Net charge-offs to loans | -0.4386% | 7,389 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7053% | 4,931 |
| Assets per employee ($millions) | 3.3520% | 5,320 |
| Cash dividends to net income (ytd only)* | 22.4771% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4813% | 1,470 |
| Loan loss allowance to noncurrent loans | 1,845.7143% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 6,994 |
| Noncurrent loans to loans | 0.1344% | 6,642 |
| Net loans and leases to total assets | 29.1322% | 7,209 |
| Net loans and leases to deposits | 33.9307% | 7,223 |
| Net loans and leases to core deposits | 34.5946% | 7,247 |
| Total domestic deposits to total assets | 85.8579% | 3,405 |
| Equity capital to assets | 13.9494% | 1,112 |
| Core capital (leverage) ratio | 12.3753% | 1,413 |
| Tier 1 risk-based capital ratio | 23.7661% | 1,026 |
| Total risk-based capital ratio | 25.0187% | 1,016 |
| Memoranda: | ||
| Average total assets | $84,205,000 | 5,418 |
| Average earning assets | $80,074,000 | 5,321 |
| Average equity | $11,694,670 | 4,642 |
| Average total loans | $26,902,330 | 6,421 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 5,127 |
| Cost of funding earning assets | 0.4785% | 7,040 |
| Net interest margin | 4.0822% | 2,338 |
| Noninterest income to average assets | 0.9235% | 1,572 |
| Noninterest expense to average assets | 3.0073% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7937% | 495 |
| Return on assets (ROA) | 1.7937% | 519 |
| Pretax return on assets | 1.7937% | 829 |
| Return on Equity (ROE) | 12.9454% | 1,210 |
| Retained earnings to average equity (ytd only) | 12.1778% | 712 |
| Net charge-offs to loans | -0.8194% | 7,468 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6385% | 5,577 |
| Assets per employee ($millions) | 3.2748% | 5,540 |
| Cash dividends to net income (ytd only)* | 5.9299% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4029% | 1,601 |
| Loan loss allowance to noncurrent loans | 1,837.1429% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 7,062 |
| Noncurrent loans to loans | 0.1308% | 6,719 |
| Net loans and leases to total assets | 30.6720% | 7,210 |
| Net loans and leases to deposits | 35.6703% | 7,234 |
| Net loans and leases to core deposits | 36.5653% | 7,247 |
| Total domestic deposits to total assets | 85.9876% | 3,532 |
| Equity capital to assets | 13.8773% | 1,036 |
| Core capital (leverage) ratio | 12.2232% | 1,448 |
| Tier 1 risk-based capital ratio | 23.4768% | 1,028 |
| Total risk-based capital ratio | 24.7286% | 1,014 |
| Memoranda: | ||
| Average total assets | $82,732,000 | 5,503 |
| Average earning assets | $78,586,000 | 5,401 |
| Average equity | $11,463,500 | 4,679 |
| Average total loans | $27,336,000 | 6,446 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 6,473 |
| Cost of funding earning assets | 0.6123% | 7,102 |
| Net interest margin | 3.8554% | 3,712 |
| Noninterest income to average assets | 0.9707% | 1,604 |
| Noninterest expense to average assets | 3.0331% | 3,720 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.6130% | 608 |
| Return on assets (ROA) | 1.8096% | 443 |
| Pretax return on assets | 1.8096% | 743 |
| Return on Equity (ROE) | 12.8769% | 1,118 |
| Retained earnings to average equity (ytd only) | 5.7260% | 1,977 |
| Net charge-offs to loans | -0.1666% | 7,534 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2825% | 5,114 |
| Assets per employee ($millions) | 3.0892% | 5,902 |
| Cash dividends to net income (ytd only)* | 55.5331% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 2,064 |
| Loan loss allowance to noncurrent loans | 1,365.1163% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 7,096 |
| Noncurrent loans to loans | 0.1541% | 6,758 |
| Net loans and leases to total assets | 34.0223% | 7,226 |
| Net loans and leases to deposits | 39.5353% | 7,268 |
| Net loans and leases to core deposits | 40.3890% | 7,296 |
| Total domestic deposits to total assets | 86.0554% | 3,331 |
| Equity capital to assets | 13.8338% | 1,090 |
| Core capital (leverage) ratio | 12.3072% | 1,387 |
| Tier 1 risk-based capital ratio | 22.6662% | 1,082 |
| Total risk-based capital ratio | 23.9169% | 1,063 |
| Memoranda: | ||
| Average total assets | $81,895,600 | 5,535 |
| Average earning assets | $78,072,600 | 5,406 |
| Average equity | $11,509,000 | 4,733 |
| Average total loans | $28,213,000 | 6,487 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 6,654 |
| Cost of funding earning assets | 0.6178% | 7,255 |
| Net interest margin | 3.8597% | 3,712 |
| Noninterest income to average assets | 0.9997% | 1,465 |
| Noninterest expense to average assets | 2.9489% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7353% | 580 |
| Return on assets (ROA) | 1.9961% | 370 |
| Pretax return on assets | 1.9961% | 623 |
| Return on Equity (ROE) | 14.1502% | 997 |
| Retained earnings to average equity (ytd only) | 11.0146% | 604 |
| Net charge-offs to loans | -0.2074% | 7,623 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9540% | 5,440 |
| Assets per employee ($millions) | 3.2110% | 5,656 |
| Cash dividends to net income (ytd only)* | 22.1590% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 2,266 |
| Loan loss allowance to noncurrent loans | 1,081.4815% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 6,823 |
| Noncurrent loans to loans | 0.1835% | 6,816 |
| Net loans and leases to total assets | 35.9348% | 7,268 |
| Net loans and leases to deposits | 42.6630% | 7,283 |
| Net loans and leases to core deposits | 43.6019% | 7,335 |
| Total domestic deposits to total assets | 84.2294% | 3,988 |
| Equity capital to assets | 15.4691% | 775 |
| Core capital (leverage) ratio | 12.4730% | 1,422 |
| Tier 1 risk-based capital ratio | 22.7823% | 1,098 |
| Total risk-based capital ratio | 24.0318% | 1,068 |
| Memoranda: | ||
| Average total assets | $82,290,000 | 5,585 |
| Average earning assets | $78,553,000 | 5,461 |
| Average equity | $11,608,500 | 4,780 |
| Average total loans | $28,288,000 | 6,571 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 6,865 |
| Cost of funding earning assets | 0.6069% | 7,394 |
| Net interest margin | 3.8099% | 3,853 |
| Noninterest income to average assets | 0.9667% | 1,469 |
| Noninterest expense to average assets | 2.9243% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6899% | 600 |
| Return on assets (ROA) | 2.0781% | 315 |
| Pretax return on assets | 2.0781% | 509 |
| Return on Equity (ROE) | 15.2046% | 818 |
| Retained earnings to average equity (ytd only) | 12.6117% | 423 |
| Net charge-offs to loans | -0.3153% | 7,695 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3751% | 5,453 |
| Assets per employee ($millions) | 3.2363% | 5,583 |
| Cash dividends to net income (ytd only)* | 17.0534% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9523% | 2,298 |
| Loan loss allowance to noncurrent loans | 973.3333% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 6,865 |
| Noncurrent loans to loans | 0.2006% | 6,853 |
| Net loans and leases to total assets | 34.8553% | 7,393 |
| Net loans and leases to deposits | 40.5590% | 7,431 |
| Net loans and leases to core deposits | 41.3953% | 7,464 |
| Total domestic deposits to total assets | 85.9374% | 3,127 |
| Equity capital to assets | 13.8463% | 1,222 |
| Core capital (leverage) ratio | 11.6638% | 1,829 |
| Tier 1 risk-based capital ratio | 21.8544% | 1,227 |
| Total risk-based capital ratio | 23.1039% | 1,199 |
| Memoranda: | ||
| Average total assets | $82,961,330 | 5,597 |
| Average earning assets | $79,424,670 | 5,461 |
| Average equity | $11,338,670 | 4,847 |
| Average total loans | $27,907,000 | 6,639 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 6,865 |
| Cost of funding earning assets | 0.6052% | 7,528 |
| Net interest margin | 3.8599% | 3,508 |
| Noninterest income to average assets | 0.9227% | 1,547 |
| Noninterest expense to average assets | 2.9671% | 3,793 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6414% | 697 |
| Return on assets (ROA) | 1.7142% | 650 |
| Pretax return on assets | 1.7142% | 1,034 |
| Return on Equity (ROE) | 12.6269% | 1,342 |
| Retained earnings to average equity (ytd only) | 11.5180% | 832 |
| Net charge-offs to loans | -0.1041% | 7,523 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3836% | 5,414 |
| Assets per employee ($millions) | 3.5118% | 5,000 |
| Cash dividends to net income (ytd only)* | 8.7819% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0498% | 2,063 |
| Loan loss allowance to noncurrent loans | 781.4286% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 7,293 |
| Noncurrent loans to loans | 0.2623% | 6,799 |
| Net loans and leases to total assets | 29.7728% | 7,631 |
| Net loans and leases to deposits | 34.2573% | 7,655 |
| Net loans and leases to core deposits | 35.1010% | 7,667 |
| Total domestic deposits to total assets | 86.9093% | 2,677 |
| Equity capital to assets | 12.9415% | 1,546 |
| Core capital (leverage) ratio | 11.2330% | 2,067 |
| Tier 1 risk-based capital ratio | 21.5942% | 1,255 |
| Total risk-based capital ratio | 22.8211% | 1,238 |
| Memoranda: | ||
| Average total assets | $82,369,500 | 5,690 |
| Average earning assets | $78,654,000 | 5,556 |
| Average equity | $11,182,500 | 4,926 |
| Average total loans | $26,904,000 | 6,778 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 6,588 |
| Cost of funding earning assets | 0.8102% | 7,541 |
| Net interest margin | 4.1377% | 2,293 |
| Noninterest income to average assets | 0.9815% | 1,634 |
| Noninterest expense to average assets | 3.1382% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.7767% | 378 |
| Return on assets (ROA) | 1.7717% | 401 |
| Pretax return on assets | 1.7717% | 672 |
| Return on Equity (ROE) | 13.7535% | 827 |
| Retained earnings to average equity (ytd only) | 6.2410% | 1,257 |
| Net charge-offs to loans | 0.1729% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 30.2340% | 755 |
| Efficiency ratio | 63.8514% | 5,801 |
| Assets per employee ($millions) | 2.9594% | 6,323 |
| Cash dividends to net income (ytd only)* | 54.6224% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9910% | 2,052 |
| Loan loss allowance to noncurrent loans | 701.2987% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 7,246 |
| Noncurrent loans to loans | 0.2839% | 6,715 |
| Net loans and leases to total assets | 34.5472% | 7,576 |
| Net loans and leases to deposits | 40.3663% | 7,616 |
| Net loans and leases to core deposits | 48.9431% | 7,613 |
| Total domestic deposits to total assets | 85.5843% | 3,237 |
| Equity capital to assets | 14.3000% | 1,078 |
| Core capital (leverage) ratio | 11.9283% | 1,696 |
| Tier 1 risk-based capital ratio | 21.9471% | 1,159 |
| Total risk-based capital ratio | 23.1970% | 1,139 |
| Memoranda: | ||
| Average total assets | $79,981,800 | 5,731 |
| Average earning assets | $76,032,600 | 5,601 |
| Average equity | $10,302,800 | 5,216 |
| Average total loans | $27,176,600 | 6,793 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 6,812 |
| Cost of funding earning assets | 0.8544% | 7,619 |
| Net interest margin | 4.0773% | 2,489 |
| Noninterest income to average assets | 0.9726% | 1,700 |
| Noninterest expense to average assets | 2.9988% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8429% | 405 |
| Return on assets (ROA) | 1.8363% | 434 |
| Pretax return on assets | 1.8363% | 749 |
| Return on Equity (ROE) | 14.6393% | 820 |
| Retained earnings to average equity (ytd only) | 11.1243% | 456 |
| Net charge-offs to loans | 0.0196% | 6,632 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 279.1670% | 130 |
| Efficiency ratio | 61.9372% | 6,118 |
| Assets per employee ($millions) | 3.1573% | 5,764 |
| Cash dividends to net income (ytd only)* | 24.0107% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1398% | 1,520 |
| Loan loss allowance to noncurrent loans | 685.8824% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 7,281 |
| Noncurrent loans to loans | 0.3120% | 6,736 |
| Net loans and leases to total assets | 33.7793% | 7,696 |
| Net loans and leases to deposits | 39.3590% | 7,749 |
| Net loans and leases to core deposits | 47.3504% | 7,748 |
| Total domestic deposits to total assets | 85.8234% | 2,795 |
| Equity capital to assets | 13.8776% | 1,346 |
| Core capital (leverage) ratio | 11.8587% | 1,858 |
| Tier 1 risk-based capital ratio | 22.2818% | 1,190 |
| Total risk-based capital ratio | 23.5331% | 1,174 |
| Memoranda: | ||
| Average total assets | $80,741,250 | 5,737 |
| Average earning assets | $76,618,250 | 5,612 |
| Average equity | $10,127,750 | 5,307 |
| Average total loans | $27,190,250 | 6,848 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8946% | 7,041 |
| Cost of funding earning assets | 0.9140% | 7,678 |
| Net interest margin | 3.9806% | 2,783 |
| Noninterest income to average assets | 0.9515% | 1,751 |
| Noninterest expense to average assets | 2.9209% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7998% | 467 |
| Return on assets (ROA) | 1.7899% | 512 |
| Pretax return on assets | 1.7899% | 863 |
| Return on Equity (ROE) | 14.7782% | 867 |
| Retained earnings to average equity (ytd only) | 10.5559% | 630 |
| Net charge-offs to loans | -0.3386% | 8,078 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8750% | 6,265 |
| Assets per employee ($millions) | 3.1774% | 5,634 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3475% | 1,046 |
| Loan loss allowance to noncurrent loans | 452.1429% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 7,125 |
| Noncurrent loans to loans | 0.5192% | 6,235 |
| Net loans and leases to total assets | 31.8743% | 7,847 |
| Net loans and leases to deposits | 36.5261% | 7,892 |
| Net loans and leases to core deposits | 44.8273% | 7,864 |
| Total domestic deposits to total assets | 87.2646% | 2,118 |
| Equity capital to assets | 12.5018% | 1,920 |
| Core capital (leverage) ratio | 10.8886% | 2,495 |
| Tier 1 risk-based capital ratio | 21.2671% | 1,352 |
| Total risk-based capital ratio | 22.5199% | 1,318 |
| Memoranda: | ||
| Average total assets | $81,344,000 | 5,747 |
| Average earning assets | $77,024,330 | 5,634 |
| Average equity | $9,852,330 | 5,406 |
| Average total loans | $27,171,670 | 6,901 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 7,067 |
| Cost of funding earning assets | 1.0044% | 7,665 |
| Net interest margin | 3.9387% | 2,892 |
| Noninterest income to average assets | 0.9615% | 1,598 |
| Noninterest expense to average assets | 2.8646% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8089% | 523 |
| Return on assets (ROA) | 1.7891% | 597 |
| Pretax return on assets | 1.7891% | 998 |
| Return on Equity (ROE) | 15.0190% | 976 |
| Retained earnings to average equity (ytd only) | 12.5644% | 700 |
| Net charge-offs to loans | -0.1907% | 8,004 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2937% | 6,198 |
| Assets per employee ($millions) | 3.1733% | 5,666 |
| Cash dividends to net income (ytd only)* | 16.3435% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 1,054 |
| Loan loss allowance to noncurrent loans | 408.1633% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 7,033 |
| Noncurrent loans to loans | 0.5443% | 6,053 |
| Net loans and leases to total assets | 30.8209% | 7,899 |
| Net loans and leases to deposits | 34.9378% | 7,963 |
| Net loans and leases to core deposits | 42.0970% | 7,942 |
| Total domestic deposits to total assets | 88.2165% | 1,634 |
| Equity capital to assets | 11.6108% | 2,517 |
| Core capital (leverage) ratio | 10.6392% | 2,799 |
| Tier 1 risk-based capital ratio | 21.3217% | 1,399 |
| Total risk-based capital ratio | 22.5750% | 1,368 |
| Memoranda: | ||
| Average total assets | $80,710,000 | 5,796 |
| Average earning assets | $76,066,500 | 5,697 |
| Average equity | $9,614,500 | 5,503 |
| Average total loans | $27,275,000 | 6,926 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8667% | 6,200 |
| Cost of funding earning assets | 1.7031% | 7,254 |
| Net interest margin | 4.1636% | 2,453 |
| Noninterest income to average assets | 1.0326% | 1,479 |
| Noninterest expense to average assets | 3.0250% | 3,986 |
| Loan and lease loss provision to assets | -0.1275% | 8,262 |
| Net operating income to assets | 2.0588% | 312 |
| Return on assets (ROA) | 2.0333% | 307 |
| Pretax return on assets | 2.0333% | 551 |
| Return on Equity (ROE) | 17.8744% | 531 |
| Retained earnings to average equity (ytd only) | 7.4299% | 1,006 |
| Net charge-offs to loans | -0.2559% | 8,183 |
| Credit loss provision to net charge-offs | 144.9275% | 3,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0340% | 6,152 |
| Assets per employee ($millions) | 2.9131% | 6,261 |
| Cash dividends to net income (ytd only)* | 58.4326% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 1,027 |
| Loan loss allowance to noncurrent loans | 331.6384% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 6,635 |
| Noncurrent loans to loans | 0.6426% | 5,438 |
| Net loans and leases to total assets | 35.5897% | 7,847 |
| Net loans and leases to deposits | 40.6380% | 7,930 |
| Net loans and leases to core deposits | 49.0823% | 7,907 |
| Total domestic deposits to total assets | 87.5774% | 1,675 |
| Equity capital to assets | 12.2536% | 2,134 |
| Core capital (leverage) ratio | 11.4431% | 2,289 |
| Tier 1 risk-based capital ratio | 21.5267% | 1,387 |
| Total risk-based capital ratio | 22.7791% | 1,351 |
| Memoranda: | ||
| Average total assets | $78,445,000 | 5,753 |
| Average earning assets | $73,925,600 | 5,666 |
| Average equity | $8,923,400 | 5,764 |
| Average total loans | $26,962,000 | 6,899 |