Home > The Brady National Bank > Performance and Condition Ratios
The Brady National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 3,375 |
| Cost of funding earning assets | 1.2012% | 2,801 |
| Net interest margin | 3.1380% | 3,008 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.1846% | 3,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3260% | 1,377 |
| Return on assets (ROA) | 1.3253% | 1,346 |
| Pretax return on assets | 1.3288% | 1,798 |
| Return on Equity (ROE) | 20.8400% | 543 |
| Retained earnings to average equity (ytd only) | 5.0274% | 2,601 |
| Net charge-offs to loans | 0.0210% | 1,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 119.8125% | 820 |
| Efficiency ratio | 62.1670% | 2,813 |
| Assets per employee ($millions) | 7.6158% | 1,650 |
| Cash dividends to net income (ytd only)* | 75.8765% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 647 |
| 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 | 48.6200% | 3,690 |
| Net loans and leases to deposits | 54.4470% | 3,765 |
| Net loans and leases to core deposits | 60.0233% | 3,763 |
| Total domestic deposits to total assets | 89.3000% | 977 |
| Equity capital to assets | 6.3408% | 4,159 |
| Core capital (leverage) ratio | 9.5605% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5032% | 839 |
| Memoranda: | ||
| Average total assets | $144,191,400 | 3,422 |
| Average earning assets | $135,278,000 | 3,387 |
| Average equity | $9,169,800 | 3,805 |
| Average total loans | $76,339,400 | 3,465 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 3,367 |
| Cost of funding earning assets | 1.0671% | 2,842 |
| Net interest margin | 3.1873% | 2,946 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.2153% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3374% | 1,452 |
| Return on assets (ROA) | 1.3365% | 1,437 |
| Pretax return on assets | 1.3402% | 1,927 |
| Return on Equity (ROE) | 21.0000% | 639 |
| Retained earnings to average equity (ytd only) | 5.5261% | 2,771 |
| Net charge-offs to loans | 0.0279% | 1,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 89.3750% | 978 |
| Efficiency ratio | 62.2890% | 2,685 |
| Assets per employee ($millions) | 6.8477% | 2,073 |
| Cash dividends to net income (ytd only)* | 73.6842% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6825% | 731 |
| Loan loss allowance to noncurrent loans | 437.0748% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 2,243 |
| Noncurrent loans to loans | 0.3849% | 1,864 |
| Net loans and leases to total assets | 52.2200% | 3,483 |
| Net loans and leases to deposits | 58.3805% | 3,589 |
| Net loans and leases to core deposits | 63.7060% | 3,542 |
| Total domestic deposits to total assets | 89.4400% | 1,099 |
| Equity capital to assets | 5.8282% | 4,042 |
| Core capital (leverage) ratio | 9.8582% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6101% | 870 |
| Memoranda: | ||
| Average total assets | $142,160,250 | 3,447 |
| Average earning assets | $133,316,500 | 3,417 |
| Average equity | $9,047,750 | 3,819 |
| Average total loans | $76,587,750 | 3,466 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,398 |
| Cost of funding earning assets | 0.9227% | 2,856 |
| Net interest margin | 3.2264% | 2,923 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.2060% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3615% | 1,417 |
| Return on assets (ROA) | 1.3600% | 1,405 |
| Pretax return on assets | 1.3643% | 1,906 |
| Return on Equity (ROE) | 20.7800% | 632 |
| Retained earnings to average equity (ytd only) | 5.6742% | 2,735 |
| Net charge-offs to loans | 0.0052% | 2,078 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 483.5000% | 305 |
| Efficiency ratio | 61.7635% | 2,745 |
| Assets per employee ($millions) | 6.4026% | 2,380 |
| Cash dividends to net income (ytd only)* | 72.6895% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 840 |
| Loan loss allowance to noncurrent loans | 530.2041% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 2,337 |
| Noncurrent loans to loans | 0.3111% | 2,027 |
| Net loans and leases to total assets | 54.9900% | 3,192 |
| Net loans and leases to deposits | 61.9563% | 3,310 |
| Net loans and leases to core deposits | 67.2040% | 3,276 |
| Total domestic deposits to total assets | 88.7500% | 1,331 |
| Equity capital to assets | 6.5726% | 3,967 |
| Core capital (leverage) ratio | 9.9566% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2005% | 930 |
| Memoranda: | ||
| Average total assets | $141,613,333 | 3,465 |
| Average earning assets | $132,656,000 | 3,441 |
| Average equity | $9,270,000 | 3,817 |
| Average total loans | $76,659,000 | 3,468 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 3,408 |
| Cost of funding earning assets | 0.7693% | 2,842 |
| Net interest margin | 3.2546% | 2,979 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.1776% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4339% | 1,318 |
| Return on assets (ROA) | 1.4311% | 1,298 |
| Pretax return on assets | 1.4339% | 1,801 |
| Return on Equity (ROE) | 21.9100% | 588 |
| Retained earnings to average equity (ytd only) | 4.6572% | 3,101 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.2494% | 2,927 |
| Assets per employee ($millions) | 6.9535% | 2,011 |
| Cash dividends to net income (ytd only)* | 78.7402% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 772 |
| Loan loss allowance to noncurrent loans | 526.3158% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 2,267 |
| Noncurrent loans to loans | 0.3272% | 1,976 |
| Net loans and leases to total assets | 53.3500% | 3,246 |
| Net loans and leases to deposits | 57.4291% | 3,480 |
| Net loans and leases to core deposits | 61.6907% | 3,462 |
| Total domestic deposits to total assets | 92.8900% | 323 |
| Equity capital to assets | 6.7729% | 3,927 |
| Core capital (leverage) ratio | 9.5979% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5892% | 894 |
| Memoranda: | ||
| Average total assets | $141,991,500 | 3,503 |
| Average earning assets | $133,104,000 | 3,482 |
| Average equity | $9,276,000 | 3,861 |
| Average total loans | $75,612,000 | 3,519 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 2,797 |
| Cost of funding earning assets | 0.2426% | 3,389 |
| Net interest margin | 3.3588% | 2,385 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.3067% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5410% | 793 |
| Return on assets (ROA) | 1.5320% | 788 |
| Pretax return on assets | 1.5355% | 1,342 |
| Return on Equity (ROE) | 21.0700% | 391 |
| Retained earnings to average equity (ytd only) | 8.5806% | 1,614 |
| Net charge-offs to loans | -0.0070% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.8948% | 3,070 |
| Assets per employee ($millions) | 6.9007% | 2,044 |
| Cash dividends to net income (ytd only)* | 59.2795% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7178% | 784 |
| 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 | 51.3600% | 3,407 |
| Net loans and leases to deposits | 54.9766% | 3,632 |
| Net loans and leases to core deposits | 58.3401% | 3,594 |
| Total domestic deposits to total assets | 93.4300% | 322 |
| Equity capital to assets | 6.3024% | 3,976 |
| Core capital (leverage) ratio | 9.4586% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9044% | 991 |
| Memoranda: | ||
| Average total assets | $143,149,400 | 3,508 |
| Average earning assets | $134,362,200 | 3,482 |
| Average equity | $10,407,200 | 3,823 |
| Average total loans | $71,153,000 | 3,563 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 2,634 |
| Cost of funding earning assets | 0.1722% | 3,599 |
| Net interest margin | 3.3230% | 2,223 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.3479% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4977% | 862 |
| Return on assets (ROA) | 1.4855% | 865 |
| Pretax return on assets | 1.4892% | 1,442 |
| Return on Equity (ROE) | 19.7700% | 455 |
| Retained earnings to average equity (ytd only) | 7.9557% | 2,017 |
| Net charge-offs to loans | -0.0057% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.9951% | 2,973 |
| Assets per employee ($millions) | 6.5337% | 2,293 |
| Cash dividends to net income (ytd only)* | 59.7484% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 813 |
| Loan loss allowance to noncurrent loans | 32,450.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,997 |
| Noncurrent loans to loans | 0.0054% | 3,919 |
| Net loans and leases to total assets | 50.9000% | 3,389 |
| Net loans and leases to deposits | 54.1839% | 3,588 |
| Net loans and leases to core deposits | 56.7254% | 3,577 |
| Total domestic deposits to total assets | 93.9300% | 374 |
| Equity capital to assets | 5.6664% | 4,083 |
| Core capital (leverage) ratio | 9.8526% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4246% | 1,099 |
| Memoranda: | ||
| Average total assets | $142,708,250 | 3,535 |
| Average earning assets | $133,971,500 | 3,505 |
| Average equity | $10,725,750 | 3,837 |
| Average total loans | $70,007,250 | 3,591 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4432% | 2,314 |
| Cost of funding earning assets | 0.1483% | 3,598 |
| Net interest margin | 3.2949% | 1,925 |
| Noninterest income to average assets | 0.6617% | 1,492 |
| Noninterest expense to average assets | 2.3616% | 2,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3852% | 941 |
| Return on assets (ROA) | 1.3824% | 925 |
| Pretax return on assets | 1.3866% | 1,479 |
| Return on Equity (ROE) | 16.9860% | 571 |
| Retained earnings to average equity (ytd only) | 5.7656% | 2,413 |
| Net charge-offs to loans | -0.0088% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9588% | 2,926 |
| Assets per employee ($millions) | 6.3569% | 2,432 |
| Cash dividends to net income (ytd only)* | 66.0569% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 805 |
| Loan loss allowance to noncurrent loans | 21,633.3333% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,011 |
| Noncurrent loans to loans | 0.0084% | 3,933 |
| Net loans and leases to total assets | 50.3604% | 3,332 |
| Net loans and leases to deposits | 53.6912% | 3,558 |
| Net loans and leases to core deposits | 55.5315% | 3,608 |
| Total domestic deposits to total assets | 93.7963% | 322 |
| Equity capital to assets | 5.8555% | 4,252 |
| Core capital (leverage) ratio | 9.7831% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4018% | 1,098 |
| Memoranda: | ||
| Average total assets | $142,364,000 | 3,579 |
| Average earning assets | $133,479,000 | 3,561 |
| Average equity | $11,586,000 | 3,829 |
| Average total loans | $68,524,667 | 3,642 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0435% | 3,127 |
| Cost of funding earning assets | 0.1277% | 3,804 |
| Net interest margin | 2.9159% | 2,783 |
| Noninterest income to average assets | 0.6461% | 1,508 |
| Noninterest expense to average assets | 2.2810% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0973% | 1,535 |
| Return on assets (ROA) | 1.0973% | 1,530 |
| Pretax return on assets | 1.1001% | 2,142 |
| Return on Equity (ROE) | 11.8634% | 1,359 |
| Retained earnings to average equity (ytd only) | 2.8304% | 3,326 |
| Net charge-offs to loans | -0.0120% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4629% | 2,572 |
| Assets per employee ($millions) | 6.2079% | 2,627 |
| Cash dividends to net income (ytd only)* | 76.1421% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9163% | 718 |
| Loan loss allowance to noncurrent loans | 239.2989% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 1,591 |
| Noncurrent loans to loans | 0.8008% | 1,184 |
| Net loans and leases to total assets | 46.4936% | 3,535 |
| Net loans and leases to deposits | 50.7849% | 3,665 |
| Net loans and leases to core deposits | 53.4402% | 3,637 |
| Total domestic deposits to total assets | 91.5500% | 778 |
| Equity capital to assets | 8.2077% | 3,397 |
| Core capital (leverage) ratio | 9.2959% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7139% | 1,101 |
| Memoranda: | ||
| Average total assets | $143,620,000 | 3,581 |
| Average earning assets | $134,712,000 | 3,573 |
| Average equity | $13,284,500 | 3,730 |
| Average total loans | $66,923,000 | 3,685 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4843% | 2,701 |
| Cost of funding earning assets | 0.2283% | 3,153 |
| Net interest margin | 3.2560% | 2,443 |
| Noninterest income to average assets | 0.5865% | 2,220 |
| Noninterest expense to average assets | 2.2165% | 3,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4162% | 1,227 |
| Return on assets (ROA) | 1.4636% | 1,160 |
| Pretax return on assets | 1.4656% | 1,832 |
| Return on Equity (ROE) | 14.6428% | 1,037 |
| Retained earnings to average equity (ytd only) | 4.6181% | 2,959 |
| Net charge-offs to loans | -0.0571% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9814% | 2,998 |
| Assets per employee ($millions) | 6.5663% | 2,278 |
| Cash dividends to net income (ytd only)* | 68.4619% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 653 |
| Loan loss allowance to noncurrent loans | 235.4545% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 1,706 |
| Noncurrent loans to loans | 0.8313% | 1,224 |
| Net loans and leases to total assets | 44.9055% | 3,773 |
| Net loans and leases to deposits | 50.1771% | 3,866 |
| Net loans and leases to core deposits | 52.8305% | 3,838 |
| Total domestic deposits to total assets | 89.4939% | 1,242 |
| Equity capital to assets | 10.2797% | 2,391 |
| Core capital (leverage) ratio | 9.0425% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6356% | 1,133 |
| Memoranda: | ||
| Average total assets | $149,697,800 | 3,485 |
| Average earning assets | $140,141,800 | 3,471 |
| Average equity | $14,963,000 | 3,637 |
| Average total loans | $64,742,800 | 3,751 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 2,513 |
| Cost of funding earning assets | 0.2640% | 2,971 |
| Net interest margin | 3.3505% | 2,290 |
| Noninterest income to average assets | 0.5827% | 2,288 |
| Noninterest expense to average assets | 2.2109% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5081% | 1,250 |
| Return on assets (ROA) | 1.5707% | 1,145 |
| Pretax return on assets | 1.5725% | 1,785 |
| Return on Equity (ROE) | 15.8222% | 986 |
| Retained earnings to average equity (ytd only) | 6.0389% | 2,801 |
| Net charge-offs to loans | -0.0890% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4210% | 3,079 |
| Assets per employee ($millions) | 6.6929% | 2,103 |
| Cash dividends to net income (ytd only)* | 61.8325% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 618 |
| Loan loss allowance to noncurrent loans | 230.6738% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 1,910 |
| Noncurrent loans to loans | 0.8722% | 1,315 |
| Net loans and leases to total assets | 43.0306% | 4,020 |
| Net loans and leases to deposits | 48.2089% | 4,106 |
| Net loans and leases to core deposits | 50.7136% | 4,096 |
| Total domestic deposits to total assets | 89.2586% | 1,144 |
| Equity capital to assets | 10.4120% | 2,523 |
| Core capital (leverage) ratio | 8.9281% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9101% | 1,148 |
| Memoranda: | ||
| Average total assets | $151,007,500 | 3,510 |
| Average earning assets | $141,427,500 | 3,497 |
| Average equity | $14,991,250 | 3,687 |
| Average total loans | $64,387,250 | 3,807 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6970% | 2,341 |
| Cost of funding earning assets | 0.2850% | 2,922 |
| Net interest margin | 3.4120% | 2,102 |
| Noninterest income to average assets | 0.5924% | 2,253 |
| Noninterest expense to average assets | 2.2868% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4961% | 1,304 |
| Return on assets (ROA) | 1.5106% | 1,327 |
| Pretax return on assets | 1.5119% | 1,980 |
| Return on Equity (ROE) | 15.4591% | 1,054 |
| Retained earnings to average equity (ytd only) | 7.3935% | 2,292 |
| Net charge-offs to loans | -0.1369% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4304% | 2,952 |
| Assets per employee ($millions) | 6.5754% | 2,107 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0720% | 529 |
| Loan loss allowance to noncurrent loans | 225.2595% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 2,082 |
| Noncurrent loans to loans | 0.9198% | 1,341 |
| Net loans and leases to total assets | 40.6897% | 4,262 |
| Net loans and leases to deposits | 45.4446% | 4,331 |
| Net loans and leases to core deposits | 47.5843% | 4,345 |
| Total domestic deposits to total assets | 89.5368% | 1,010 |
| Equity capital to assets | 9.9838% | 2,866 |
| Core capital (leverage) ratio | 8.8364% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0349% | 1,109 |
| Memoranda: | ||
| Average total assets | $152,262,000 | 3,511 |
| Average earning assets | $142,439,000 | 3,491 |
| Average equity | $14,878,000 | 3,695 |
| Average total loans | $64,296,000 | 3,827 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9490% | 4,186 |
| Cost of funding earning assets | 0.2879% | 3,120 |
| Net interest margin | 2.6611% | 4,037 |
| Noninterest income to average assets | 0.5498% | 2,406 |
| Noninterest expense to average assets | 2.0867% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9530% | 2,961 |
| Return on assets (ROA) | 0.9557% | 3,047 |
| Pretax return on assets | 0.9583% | 3,480 |
| Return on Equity (ROE) | 9.8866% | 2,734 |
| Retained earnings to average equity (ytd only) | -0.9480% | 4,459 |
| Net charge-offs to loans | -0.2522% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5886% | 1,863 |
| Assets per employee ($millions) | 6.6760% | 2,024 |
| Cash dividends to net income (ytd only)* | 109.5890% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9061% | 737 |
| Loan loss allowance to noncurrent loans | 211.5635% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 2,147 |
| Noncurrent loans to loans | 0.9010% | 1,501 |
| Net loans and leases to total assets | 45.5155% | 3,999 |
| Net loans and leases to deposits | 50.7647% | 4,122 |
| Net loans and leases to core deposits | 53.2254% | 4,133 |
| Total domestic deposits to total assets | 89.6598% | 991 |
| Equity capital to assets | 9.7989% | 2,897 |
| Core capital (leverage) ratio | 8.2045% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4919% | 1,169 |
| Memoranda: | ||
| Average total assets | $152,775,500 | 3,504 |
| Average earning assets | $143,099,000 | 3,487 |
| Average equity | $14,767,500 | 3,709 |
| Average total loans | $65,024,500 | 3,828 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1556% | 4,501 |
| Cost of funding earning assets | 0.3814% | 3,699 |
| Net interest margin | 2.7742% | 4,292 |
| Noninterest income to average assets | 0.5046% | 2,611 |
| Noninterest expense to average assets | 2.1430% | 3,847 |
| Loan and lease loss provision to assets | 0.1016% | 3,058 |
| Net operating income to assets | 0.8461% | 2,916 |
| Return on assets (ROA) | 1.0853% | 2,102 |
| Pretax return on assets | 1.0888% | 2,742 |
| Return on Equity (ROE) | 11.4047% | 1,496 |
| Retained earnings to average equity (ytd only) | 5.9566% | 1,813 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2583% | 2,055 |
| Assets per employee ($millions) | 6.1030% | 2,251 |
| Cash dividends to net income (ytd only)* | 47.7707% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0323% | 547 |
| Loan loss allowance to noncurrent loans | 201.2800% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 2,408 |
| Noncurrent loans to loans | 1.0097% | 1,407 |
| Net loans and leases to total assets | 38.2170% | 4,511 |
| Net loans and leases to deposits | 42.3413% | 4,588 |
| Net loans and leases to core deposits | 44.2203% | 4,593 |
| Total domestic deposits to total assets | 90.2595% | 465 |
| Equity capital to assets | 9.5432% | 3,566 |
| Core capital (leverage) ratio | 8.8521% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7809% | 1,317 |
| Memoranda: | ||
| Average total assets | $144,657,000 | 3,459 |
| Average earning assets | $135,031,800 | 3,444 |
| Average equity | $13,766,200 | 3,791 |
| Average total loans | $61,965,800 | 3,886 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 4,607 |
| Cost of funding earning assets | 0.4125% | 3,749 |
| Net interest margin | 2.7721% | 4,377 |
| Noninterest income to average assets | 0.5441% | 2,404 |
| Noninterest expense to average assets | 2.1367% | 3,860 |
| Loan and lease loss provision to assets | 0.0772% | 3,354 |
| Net operating income to assets | 0.9096% | 2,655 |
| Return on assets (ROA) | 1.0712% | 2,209 |
| Pretax return on assets | 1.0749% | 2,828 |
| Return on Equity (ROE) | 11.2648% | 1,602 |
| Retained earnings to average equity (ytd only) | 3.8145% | 3,132 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3177% | 2,137 |
| Assets per employee ($millions) | 5.8378% | 2,410 |
| Cash dividends to net income (ytd only)* | 66.1376% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8719% | 619 |
| Loan loss allowance to noncurrent loans | 56.3267% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 558 |
| Noncurrent loans to loans | 3.3233% | 262 |
| Net loans and leases to total assets | 44.6363% | 4,391 |
| Net loans and leases to deposits | 50.0616% | 4,486 |
| Net loans and leases to core deposits | 52.4920% | 4,507 |
| Total domestic deposits to total assets | 89.1626% | 701 |
| Equity capital to assets | 10.4748% | 2,814 |
| Core capital (leverage) ratio | 8.5565% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4025% | 1,395 |
| Memoranda: | ||
| Average total assets | $141,151,750 | 3,484 |
| Average earning assets | $131,544,500 | 3,479 |
| Average equity | $13,422,000 | 3,827 |
| Average total loans | $61,982,250 | 3,901 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2124% | 4,709 |
| Cost of funding earning assets | 0.4529% | 3,781 |
| Net interest margin | 2.7596% | 4,499 |
| Noninterest income to average assets | 0.5244% | 2,465 |
| Noninterest expense to average assets | 2.0495% | 4,133 |
| Loan and lease loss provision to assets | 0.0947% | 3,087 |
| Net operating income to assets | 0.9512% | 2,487 |
| Return on assets (ROA) | 1.1731% | 1,849 |
| Pretax return on assets | 1.1774% | 2,440 |
| Return on Equity (ROE) | 12.7653% | 1,158 |
| Retained earnings to average equity (ytd only) | 7.3823% | 1,511 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1195% | 2,501 |
| Assets per employee ($millions) | 6.6303% | 1,687 |
| Cash dividends to net income (ytd only)* | 42.1687% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9119% | 519 |
| Loan loss allowance to noncurrent loans | 55.1498% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.4644% | 646 |
| Noncurrent loans to loans | 3.4667% | 232 |
| Net loans and leases to total assets | 41.4332% | 4,549 |
| Net loans and leases to deposits | 46.0915% | 4,654 |
| Net loans and leases to core deposits | 48.6043% | 4,648 |
| Total domestic deposits to total assets | 89.8935% | 426 |
| Equity capital to assets | 9.7898% | 3,376 |
| Core capital (leverage) ratio | 8.5062% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3756% | 1,400 |
| Memoranda: | ||
| Average total assets | $141,499,667 | 3,464 |
| Average earning assets | $132,049,000 | 3,449 |
| Average equity | $13,004,000 | 3,871 |
| Average total loans | $61,399,000 | 3,914 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3539% | 4,772 |
| Cost of funding earning assets | 0.5615% | 3,637 |
| Net interest margin | 2.7923% | 4,573 |
| Noninterest income to average assets | 0.5398% | 2,338 |
| Noninterest expense to average assets | 2.0471% | 4,315 |
| Loan and lease loss provision to assets | 0.1206% | 2,185 |
| Net operating income to assets | 0.9705% | 2,282 |
| Return on assets (ROA) | 1.3437% | 1,214 |
| Pretax return on assets | 1.3437% | 1,737 |
| Return on Equity (ROE) | 15.1383% | 533 |
| Retained earnings to average equity (ytd only) | 8.6689% | 1,064 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2333% | 3,058 |
| Assets per employee ($millions) | 6.8461% | 1,163 |
| Cash dividends to net income (ytd only)* | 42.7350% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9223% | 581 |
| Loan loss allowance to noncurrent loans | 54.2844% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.4774% | 732 |
| Noncurrent loans to loans | 3.5411% | 261 |
| Net loans and leases to total assets | 40.9184% | 4,632 |
| Net loans and leases to deposits | 44.9178% | 4,746 |
| Net loans and leases to core deposits | 47.4775% | 4,745 |
| Total domestic deposits to total assets | 91.0961% | 101 |
| Equity capital to assets | 8.7077% | 4,735 |
| Core capital (leverage) ratio | 8.9009% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8185% | 1,389 |
| Memoranda: | ||
| Average total assets | $139,316,500 | 3,462 |
| Average earning assets | $129,641,500 | 3,449 |
| Average equity | $12,366,000 | 3,959 |
| Average total loans | $61,291,000 | 3,933 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,691 |
| Cost of funding earning assets | 0.7861% | 2,746 |
| Net interest margin | 2.8999% | 4,657 |
| Noninterest income to average assets | 0.6548% | 1,993 |
| Noninterest expense to average assets | 2.3231% | 3,889 |
| Loan and lease loss provision to assets | 0.0097% | 3,812 |
| Net operating income to assets | 1.0079% | 2,822 |
| Return on assets (ROA) | 1.0700% | 2,672 |
| Pretax return on assets | 1.0733% | 3,253 |
| Return on Equity (ROE) | 11.7625% | 1,600 |
| Retained earnings to average equity (ytd only) | 4.6713% | 2,604 |
| Net charge-offs to loans | 0.0066% | 3,439 |
| Credit loss provision to net charge-offs | 300.0000% | 925 |
| Earnings coverage of net charge-offs (x) | 316.5000% | 274 |
| Efficiency ratio | 69.4719% | 2,250 |
| Assets per employee ($millions) | 6.1302% | 1,535 |
| Cash dividends to net income (ytd only)* | 60.2864% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 690 |
| Loan loss allowance to noncurrent loans | 51.8674% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.5883% | 618 |
| Noncurrent loans to loans | 3.4217% | 242 |
| Net loans and leases to total assets | 45.5941% | 4,535 |
| Net loans and leases to deposits | 50.3352% | 4,676 |
| Net loans and leases to core deposits | 52.7852% | 4,683 |
| Total domestic deposits to total assets | 90.5809% | 182 |
| Equity capital to assets | 9.0558% | 4,658 |
| Core capital (leverage) ratio | 9.4561% | 4,105 |
| Tier 1 risk-based capital ratio | 15.2807% | 2,665 |
| Total risk-based capital ratio | 16.5330% | 2,594 |
| Memoranda: | ||
| Average total assets | $124,014,400 | 3,642 |
| Average earning assets | $115,004,400 | 3,631 |
| Average equity | $11,281,600 | 4,082 |
| Average total loans | $60,486,800 | 3,976 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,727 |
| Cost of funding earning assets | 0.8476% | 2,481 |
| Net interest margin | 2.9021% | 4,753 |
| Noninterest income to average assets | 0.6430% | 2,021 |
| Noninterest expense to average assets | 2.3962% | 3,697 |
| Loan and lease loss provision to assets | 0.0099% | 3,695 |
| Net operating income to assets | 0.9244% | 3,260 |
| Return on assets (ROA) | 1.0090% | 3,031 |
| Pretax return on assets | 1.0123% | 3,549 |
| Return on Equity (ROE) | 11.0779% | 1,991 |
| Retained earnings to average equity (ytd only) | 3.8374% | 3,478 |
| Net charge-offs to loans | 0.0089% | 3,046 |
| Credit loss provision to net charge-offs | 225.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 213.3771% | 422 |
| Efficiency ratio | 71.8760% | 1,855 |
| Assets per employee ($millions) | 5.2430% | 2,295 |
| Cash dividends to net income (ytd only)* | 65.3594% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 646 |
| Loan loss allowance to noncurrent loans | 164.1481% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 2,325 |
| Noncurrent loans to loans | 1.1126% | 1,424 |
| Net loans and leases to total assets | 49.3913% | 4,458 |
| Net loans and leases to deposits | 55.0315% | 4,593 |
| Net loans and leases to core deposits | 58.0716% | 4,604 |
| Total domestic deposits to total assets | 89.7511% | 355 |
| Equity capital to assets | 9.9015% | 4,115 |
| Core capital (leverage) ratio | 9.5378% | 4,129 |
| Tier 1 risk-based capital ratio | 16.0958% | 2,396 |
| Total risk-based capital ratio | 17.3498% | 2,336 |
| Memoranda: | ||
| Average total assets | $121,302,000 | 3,713 |
| Average earning assets | $112,465,750 | 3,706 |
| Average equity | $11,048,750 | 4,152 |
| Average total loans | $59,958,250 | 4,030 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 4,831 |
| Cost of funding earning assets | 0.8821% | 2,231 |
| Net interest margin | 2.8167% | 4,915 |
| Noninterest income to average assets | 0.6697% | 1,836 |
| Noninterest expense to average assets | 2.3926% | 3,752 |
| Loan and lease loss provision to assets | 0.0099% | 3,550 |
| Net operating income to assets | 0.8742% | 3,386 |
| Return on assets (ROA) | 0.9166% | 3,278 |
| Pretax return on assets | 0.9215% | 3,785 |
| Return on Equity (ROE) | 10.3612% | 2,229 |
| Retained earnings to average equity (ytd only) | 2.9205% | 3,756 |
| Net charge-offs to loans | 0.0134% | 2,655 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 543 |
| Efficiency ratio | 72.9188% | 1,787 |
| Assets per employee ($millions) | 5.5447% | 1,922 |
| Cash dividends to net income (ytd only)* | 71.8133% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 686 |
| Loan loss allowance to noncurrent loans | 155.4149% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 2,265 |
| Noncurrent loans to loans | 1.1553% | 1,401 |
| Net loans and leases to total assets | 49.5467% | 4,492 |
| Net loans and leases to deposits | 54.9051% | 4,638 |
| Net loans and leases to core deposits | 58.4466% | 4,625 |
| Total domestic deposits to total assets | 90.2405% | 264 |
| Equity capital to assets | 9.4701% | 4,429 |
| Core capital (leverage) ratio | 9.4099% | 4,233 |
| Tier 1 risk-based capital ratio | 15.5927% | 2,589 |
| Total risk-based capital ratio | 16.8465% | 2,516 |
| Memoranda: | ||
| Average total assets | $121,540,000 | 3,734 |
| Average earning assets | $112,683,330 | 3,727 |
| Average equity | $10,751,670 | 4,205 |
| Average total loans | $59,721,670 | 4,059 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,896 |
| Cost of funding earning assets | 0.8820% | 2,082 |
| Net interest margin | 2.7811% | 5,002 |
| Noninterest income to average assets | 0.5737% | 2,160 |
| Noninterest expense to average assets | 2.3574% | 3,878 |
| Loan and lease loss provision to assets | 0.0099% | 3,305 |
| Net operating income to assets | 0.7847% | 3,672 |
| Return on assets (ROA) | 0.8012% | 3,659 |
| Pretax return on assets | 0.8012% | 4,037 |
| Return on Equity (ROE) | 9.3899% | 2,638 |
| Retained earnings to average equity (ytd only) | 1.6616% | 4,151 |
| Net charge-offs to loans | 0.0136% | 2,215 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 587 |
| Efficiency ratio | 74.7908% | 1,639 |
| Assets per employee ($millions) | 5.2635% | 2,209 |
| Cash dividends to net income (ytd only)* | 82.3045% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 573 |
| Loan loss allowance to noncurrent loans | 149.3911% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 2,241 |
| Noncurrent loans to loans | 1.2873% | 1,274 |
| Net loans and leases to total assets | 46.5075% | 4,646 |
| Net loans and leases to deposits | 51.1255% | 4,778 |
| Net loans and leases to core deposits | 53.8198% | 4,790 |
| Total domestic deposits to total assets | 90.9673% | 179 |
| Equity capital to assets | 8.8221% | 4,807 |
| Core capital (leverage) ratio | 9.2226% | 4,443 |
| Tier 1 risk-based capital ratio | 16.3311% | 2,324 |
| Total risk-based capital ratio | 17.5852% | 2,268 |
| Memoranda: | ||
| Average total assets | $121,318,000 | 3,782 |
| Average earning assets | $112,474,500 | 3,778 |
| Average equity | $10,351,500 | 4,278 |
| Average total loans | $58,810,500 | 4,116 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5326% | 4,882 |
| Cost of funding earning assets | 0.6229% | 2,569 |
| Net interest margin | 2.9097% | 4,905 |
| Noninterest income to average assets | 0.6240% | 2,175 |
| Noninterest expense to average assets | 2.3388% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0042% | 2,991 |
| Return on assets (ROA) | 0.9934% | 3,031 |
| Pretax return on assets | 0.9951% | 3,621 |
| Return on Equity (ROE) | 12.1715% | 1,653 |
| Retained earnings to average equity (ytd only) | 5.0358% | 2,745 |
| Net charge-offs to loans | 0.0017% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,209.0000% | 88 |
| Efficiency ratio | 69.9254% | 2,201 |
| Assets per employee ($millions) | 5.7893% | 1,682 |
| Cash dividends to net income (ytd only)* | 58.6265% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 646 |
| Loan loss allowance to noncurrent loans | 146.4807% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 2,189 |
| Noncurrent loans to loans | 1.2505% | 1,271 |
| Net loans and leases to total assets | 48.6214% | 4,599 |
| Net loans and leases to deposits | 53.0972% | 4,782 |
| Net loans and leases to core deposits | 55.8598% | 4,782 |
| Total domestic deposits to total assets | 91.5707% | 107 |
| Equity capital to assets | 8.2442% | 5,067 |
| Core capital (leverage) ratio | 9.5656% | 4,044 |
| Tier 1 risk-based capital ratio | 16.0952% | 2,373 |
| Total risk-based capital ratio | 17.3488% | 2,315 |
| Memoranda: | ||
| Average total assets | $120,189,200 | 3,781 |
| Average earning assets | $112,380,800 | 3,770 |
| Average equity | $9,809,800 | 4,332 |
| Average total loans | $59,107,400 | 4,115 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5024% | 4,924 |
| Cost of funding earning assets | 0.5851% | 2,584 |
| Net interest margin | 2.9173% | 4,951 |
| Noninterest income to average assets | 0.5997% | 2,309 |
| Noninterest expense to average assets | 2.3219% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0113% | 3,035 |
| Return on assets (ROA) | 0.9968% | 3,109 |
| Pretax return on assets | 0.9980% | 3,723 |
| Return on Equity (ROE) | 12.2446% | 1,704 |
| Retained earnings to average equity (ytd only) | 5.4117% | 3,002 |
| Net charge-offs to loans | 0.0045% | 3,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 454.4195% | 206 |
| Efficiency ratio | 69.6363% | 2,249 |
| Assets per employee ($millions) | 5.1509% | 2,275 |
| Cash dividends to net income (ytd only)* | 55.8034% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 660 |
| Loan loss allowance to noncurrent loans | 137.3599% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 2,167 |
| Noncurrent loans to loans | 1.3430% | 1,239 |
| Net loans and leases to total assets | 49.5379% | 4,633 |
| Net loans and leases to deposits | 54.0719% | 4,819 |
| Net loans and leases to core deposits | 57.2036% | 4,814 |
| Total domestic deposits to total assets | 91.6148% | 118 |
| Equity capital to assets | 8.0914% | 5,140 |
| Core capital (leverage) ratio | 9.2584% | 4,449 |
| Tier 1 risk-based capital ratio | 16.1299% | 2,393 |
| Total risk-based capital ratio | 17.3843% | 2,339 |
| Memoranda: | ||
| Average total assets | $119,842,500 | 3,827 |
| Average earning assets | $112,338,500 | 3,807 |
| Average equity | $9,756,500 | 4,374 |
| Average total loans | $58,830,500 | 4,166 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4434% | 4,983 |
| Cost of funding earning assets | 0.5200% | 2,841 |
| Net interest margin | 2.9235% | 4,980 |
| Noninterest income to average assets | 0.5902% | 2,381 |
| Noninterest expense to average assets | 2.2660% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0707% | 2,711 |
| Return on assets (ROA) | 1.0607% | 2,753 |
| Pretax return on assets | 1.0623% | 3,466 |
| Return on Equity (ROE) | 13.0027% | 1,372 |
| Retained earnings to average equity (ytd only) | 6.8886% | 2,118 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8785% | 2,668 |
| Assets per employee ($millions) | 5.5320% | 1,856 |
| Cash dividends to net income (ytd only)* | 47.0219% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 706 |
| Loan loss allowance to noncurrent loans | 110,400.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,070 |
| Noncurrent loans to loans | 0.0017% | 4,970 |
| Net loans and leases to total assets | 48.5568% | 4,687 |
| Net loans and leases to deposits | 56.0338% | 4,752 |
| Net loans and leases to core deposits | 58.3543% | 4,778 |
| Total domestic deposits to total assets | 86.6563% | 1,990 |
| Equity capital to assets | 7.9602% | 5,235 |
| Core capital (leverage) ratio | 9.3971% | 4,249 |
| Tier 1 risk-based capital ratio | 15.9168% | 2,467 |
| Total risk-based capital ratio | 17.1711% | 2,407 |
| Memoranda: | ||
| Average total assets | $120,299,670 | 3,856 |
| Average earning assets | $113,084,670 | 3,828 |
| Average equity | $9,813,330 | 4,406 |
| Average total loans | $58,510,330 | 4,200 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3840% | 5,043 |
| Cost of funding earning assets | 0.4814% | 2,947 |
| Net interest margin | 2.9026% | 5,025 |
| Noninterest income to average assets | 0.5552% | 2,498 |
| Noninterest expense to average assets | 2.2375% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0602% | 2,607 |
| Return on assets (ROA) | 1.0402% | 2,707 |
| Pretax return on assets | 1.0402% | 3,396 |
| Return on Equity (ROE) | 12.5962% | 1,378 |
| Retained earnings to average equity (ytd only) | 6.5209% | 2,488 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8499% | 2,854 |
| Assets per employee ($millions) | 5.7472% | 1,725 |
| Cash dividends to net income (ytd only)* | 48.2315% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 708 |
| 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 | 48.3636% | 4,674 |
| Net loans and leases to deposits | 52.6576% | 4,856 |
| Net loans and leases to core deposits | 55.1174% | 4,869 |
| Total domestic deposits to total assets | 91.8454% | 127 |
| Equity capital to assets | 7.9724% | 5,283 |
| Core capital (leverage) ratio | 9.1443% | 4,514 |
| Tier 1 risk-based capital ratio | 15.8818% | 2,528 |
| Total risk-based capital ratio | 17.1362% | 2,461 |
| Memoranda: | ||
| Average total assets | $119,597,000 | 3,906 |
| Average earning assets | $113,002,000 | 3,867 |
| Average equity | $9,876,000 | 4,442 |
| Average total loans | $57,665,500 | 4,259 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1065% | 5,282 |
| Cost of funding earning assets | 0.3269% | 3,902 |
| Net interest margin | 2.7795% | 5,196 |
| Noninterest income to average assets | 0.5663% | 2,619 |
| Noninterest expense to average assets | 2.3512% | 4,205 |
| Loan and lease loss provision to assets | 0.0034% | 4,179 |
| Net operating income to assets | 0.8272% | 3,049 |
| Return on assets (ROA) | 0.8340% | 3,048 |
| Pretax return on assets | 0.8357% | 4,137 |
| Return on Equity (ROE) | 9.8027% | 1,977 |
| Retained earnings to average equity (ytd only) | 3.9391% | 2,840 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8548% | 1,914 |
| Assets per employee ($millions) | 4.9376% | 2,561 |
| Cash dividends to net income (ytd only)* | 59.8160% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9765% | 561 |
| 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 | 46.2034% | 4,882 |
| Net loans and leases to deposits | 50.6129% | 5,041 |
| Net loans and leases to core deposits | 53.2960% | 5,027 |
| Total domestic deposits to total assets | 91.2879% | 180 |
| Equity capital to assets | 8.5484% | 5,087 |
| Core capital (leverage) ratio | 9.2352% | 4,359 |
| Tier 1 risk-based capital ratio | 16.0918% | 2,396 |
| Total risk-based capital ratio | 17.3458% | 2,337 |
| Memoranda: | ||
| Average total assets | $117,260,600 | 3,943 |
| Average earning assets | $110,415,000 | 3,906 |
| Average equity | $9,976,800 | 4,454 |
| Average total loans | $50,419,600 | 4,445 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0413% | 5,385 |
| Cost of funding earning assets | 0.3161% | 3,973 |
| Net interest margin | 2.7252% | 5,301 |
| Noninterest income to average assets | 0.5655% | 2,642 |
| Noninterest expense to average assets | 2.3485% | 4,161 |
| Loan and lease loss provision to assets | 0.0046% | 4,030 |
| Net operating income to assets | 0.7752% | 3,623 |
| Return on assets (ROA) | 0.7889% | 3,623 |
| Pretax return on assets | 0.7912% | 4,373 |
| Return on Equity (ROE) | 9.2835% | 2,454 |
| Retained earnings to average equity (ytd only) | 4.5210% | 3,212 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0182% | 1,738 |
| Assets per employee ($millions) | 4.9416% | 2,519 |
| Cash dividends to net income (ytd only)* | 51.3006% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2017% | 401 |
| 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 | 41.3481% | 5,142 |
| Net loans and leases to deposits | 45.5287% | 5,269 |
| Net loans and leases to core deposits | 47.9524% | 5,257 |
| Total domestic deposits to total assets | 90.8177% | 229 |
| Equity capital to assets | 8.9175% | 4,985 |
| Core capital (leverage) ratio | 9.4129% | 4,277 |
| Tier 1 risk-based capital ratio | 17.1715% | 2,111 |
| Total risk-based capital ratio | 18.4268% | 2,061 |
| Memoranda: | ||
| Average total assets | $116,950,250 | 3,984 |
| Average earning assets | $110,081,500 | 3,955 |
| Average equity | $9,938,500 | 4,509 |
| Average total loans | $49,060,500 | 4,525 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0160% | 5,421 |
| Cost of funding earning assets | 0.3036% | 4,045 |
| Net interest margin | 2.7124% | 5,351 |
| Noninterest income to average assets | 0.5773% | 2,570 |
| Noninterest expense to average assets | 2.3471% | 4,219 |
| Loan and lease loss provision to assets | 0.0069% | 3,787 |
| Net operating income to assets | 0.7698% | 3,548 |
| Return on assets (ROA) | 0.7698% | 3,597 |
| Pretax return on assets | 0.7715% | 4,367 |
| Return on Equity (ROE) | 9.2124% | 2,404 |
| Retained earnings to average equity (ytd only) | 4.5856% | 2,984 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0962% | 1,841 |
| Assets per employee ($millions) | 4.6020% | 2,942 |
| Cash dividends to net income (ytd only)* | 50.2232% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3177% | 365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 40.4064% | 5,214 |
| Net loans and leases to deposits | 44.4976% | 5,324 |
| Net loans and leases to core deposits | 46.9528% | 5,317 |
| Total domestic deposits to total assets | 90.8058% | 269 |
| Equity capital to assets | 8.9586% | 4,942 |
| Core capital (leverage) ratio | 9.2331% | 4,455 |
| Tier 1 risk-based capital ratio | 17.5495% | 1,991 |
| Total risk-based capital ratio | 18.8066% | 1,942 |
| Memoranda: | ||
| Average total assets | $116,401,000 | 4,020 |
| Average earning assets | $109,349,330 | 3,990 |
| Average equity | $9,726,000 | 4,559 |
| Average total loans | $48,700,000 | 4,561 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 5,462 |
| Cost of funding earning assets | 0.2762% | 4,286 |
| Net interest margin | 2.7182% | 5,370 |
| Noninterest income to average assets | 0.5706% | 2,555 |
| Noninterest expense to average assets | 2.3062% | 4,394 |
| Loan and lease loss provision to assets | 0.0137% | 3,390 |
| Net operating income to assets | 0.8029% | 3,208 |
| Return on assets (ROA) | 0.7687% | 3,430 |
| Pretax return on assets | 0.7721% | 4,207 |
| Return on Equity (ROE) | 9.5384% | 2,166 |
| Retained earnings to average equity (ytd only) | 4.8752% | 2,966 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7705% | 2,270 |
| Assets per employee ($millions) | 5.1290% | 2,271 |
| Cash dividends to net income (ytd only)* | 48.8889% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2670% | 431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 40.3448% | 5,237 |
| Net loans and leases to deposits | 43.9684% | 5,365 |
| Net loans and leases to core deposits | 46.3247% | 5,360 |
| Total domestic deposits to total assets | 91.7588% | 133 |
| Equity capital to assets | 8.0734% | 5,488 |
| Core capital (leverage) ratio | 9.0277% | 4,699 |
| Tier 1 risk-based capital ratio | 17.0514% | 2,168 |
| Total risk-based capital ratio | 18.3080% | 2,117 |
| Memoranda: | ||
| Average total assets | $117,076,000 | 4,043 |
| Average earning assets | $110,071,500 | 4,016 |
| Average equity | $9,435,500 | 4,635 |
| Average total loans | $49,254,500 | 4,585 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9887% | 5,509 |
| Cost of funding earning assets | 0.2430% | 4,627 |
| Net interest margin | 2.7457% | 5,365 |
| Noninterest income to average assets | 0.5887% | 2,716 |
| Noninterest expense to average assets | 2.4175% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7598% | 3,490 |
| Return on assets (ROA) | 0.7581% | 3,613 |
| Pretax return on assets | 0.7598% | 4,300 |
| Return on Equity (ROE) | 8.7363% | 2,548 |
| Retained earnings to average equity (ytd only) | 3.6827% | 3,289 |
| Net charge-offs to loans | -0.0116% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0448% | 1,975 |
| Assets per employee ($millions) | 4.8410% | 2,587 |
| Cash dividends to net income (ytd only)* | 57.8465% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2063% | 465 |
| Loan loss allowance to noncurrent loans | 674.2331% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 4,749 |
| Noncurrent loans to loans | 0.3272% | 3,971 |
| Net loans and leases to total assets | 41.9266% | 5,234 |
| Net loans and leases to deposits | 45.6802% | 5,376 |
| Net loans and leases to core deposits | 48.4118% | 5,353 |
| Total domestic deposits to total assets | 91.7829% | 128 |
| Equity capital to assets | 8.0450% | 5,543 |
| Core capital (leverage) ratio | 9.0304% | 4,703 |
| Tier 1 risk-based capital ratio | 16.6881% | 2,272 |
| Total risk-based capital ratio | 17.9446% | 2,210 |
| Memoranda: | ||
| Average total assets | $115,160,400 | 4,079 |
| Average earning assets | $108,643,000 | 4,029 |
| Average equity | $9,992,800 | 4,579 |
| Average total loans | $51,702,400 | 4,527 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0163% | 5,554 |
| Cost of funding earning assets | 0.2432% | 4,668 |
| Net interest margin | 2.7731% | 5,402 |
| Noninterest income to average assets | 0.5663% | 2,841 |
| Noninterest expense to average assets | 2.4182% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7682% | 3,522 |
| Return on assets (ROA) | 0.7658% | 3,666 |
| Pretax return on assets | 0.7658% | 4,420 |
| Return on Equity (ROE) | 8.6661% | 2,683 |
| Retained earnings to average equity (ytd only) | 4.0048% | 3,453 |
| Net charge-offs to loans | -0.0077% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8922% | 1,987 |
| Assets per employee ($millions) | 4.8122% | 2,595 |
| Cash dividends to net income (ytd only)* | 53.7876% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0562% | 659 |
| Loan loss allowance to noncurrent loans | 676.5432% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 4,872 |
| Noncurrent loans to loans | 0.3039% | 4,162 |
| Net loans and leases to total assets | 45.2019% | 5,134 |
| Net loans and leases to deposits | 49.8344% | 5,302 |
| Net loans and leases to core deposits | 52.6149% | 5,286 |
| Total domestic deposits to total assets | 90.7042% | 274 |
| Equity capital to assets | 9.0205% | 5,158 |
| Core capital (leverage) ratio | 9.0778% | 4,748 |
| Tier 1 risk-based capital ratio | 16.1007% | 2,584 |
| Total risk-based capital ratio | 17.3562% | 2,531 |
| Memoranda: | ||
| Average total assets | $114,904,500 | 4,112 |
| Average earning assets | $108,564,250 | 4,057 |
| Average equity | $10,154,250 | 4,591 |
| Average total loans | $52,175,250 | 4,549 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0503% | 5,599 |
| Cost of funding earning assets | 0.2533% | 4,625 |
| Net interest margin | 2.7971% | 5,427 |
| Noninterest income to average assets | 0.5736% | 2,771 |
| Noninterest expense to average assets | 2.4096% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8020% | 3,301 |
| Return on assets (ROA) | 0.7985% | 3,458 |
| Pretax return on assets | 0.7985% | 4,284 |
| Return on Equity (ROE) | 9.0996% | 2,455 |
| Retained earnings to average equity (ytd only) | 4.7286% | 2,910 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0271% | 2,220 |
| Assets per employee ($millions) | 4.4322% | 3,157 |
| Cash dividends to net income (ytd only)* | 48.0349% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0975% | 621 |
| Loan loss allowance to noncurrent loans | 646.7456% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 4,901 |
| Noncurrent loans to loans | 0.3243% | 4,204 |
| Net loans and leases to total assets | 46.0417% | 5,120 |
| Net loans and leases to deposits | 50.9243% | 5,292 |
| Net loans and leases to core deposits | 53.9196% | 5,281 |
| Total domestic deposits to total assets | 90.4119% | 346 |
| Equity capital to assets | 9.3453% | 4,925 |
| Core capital (leverage) ratio | 9.0595% | 4,762 |
| Tier 1 risk-based capital ratio | 16.2709% | 2,518 |
| Total risk-based capital ratio | 17.5274% | 2,461 |
| Memoranda: | ||
| Average total assets | $114,708,330 | 4,142 |
| Average earning assets | $108,184,670 | 4,094 |
| Average equity | $10,066,330 | 4,629 |
| Average total loans | $51,800,000 | 4,594 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0187% | 5,670 |
| Cost of funding earning assets | 0.2655% | 4,544 |
| Net interest margin | 2.7532% | 5,540 |
| Noninterest income to average assets | 0.5623% | 2,728 |
| Noninterest expense to average assets | 2.3590% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7989% | 3,255 |
| Return on assets (ROA) | 0.7920% | 3,388 |
| Pretax return on assets | 0.7920% | 4,219 |
| Return on Equity (ROE) | 9.3126% | 2,281 |
| Retained earnings to average equity (ytd only) | 3.8702% | 3,563 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7014% | 2,372 |
| Assets per employee ($millions) | 4.8248% | 2,543 |
| Cash dividends to net income (ytd only)* | 58.4416% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 646 |
| Loan loss allowance to noncurrent loans | 594.0217% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 4,937 |
| Noncurrent loans to loans | 0.3596% | 4,143 |
| Net loans and leases to total assets | 43.2506% | 5,286 |
| Net loans and leases to deposits | 47.4657% | 5,443 |
| Net loans and leases to core deposits | 50.1081% | 5,436 |
| Total domestic deposits to total assets | 91.1197% | 237 |
| Equity capital to assets | 8.7128% | 5,412 |
| Core capital (leverage) ratio | 8.5798% | 5,312 |
| Tier 1 risk-based capital ratio | 16.1282% | 2,624 |
| Total risk-based capital ratio | 17.3832% | 2,571 |
| Memoranda: | ||
| Average total assets | $116,660,500 | 4,142 |
| Average earning assets | $109,981,500 | 4,091 |
| Average equity | $9,922,000 | 4,671 |
| Average total loans | $51,645,500 | 4,628 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0984% | 5,630 |
| Cost of funding earning assets | 0.2395% | 4,900 |
| Net interest margin | 2.8590% | 5,401 |
| Noninterest income to average assets | 0.7551% | 1,957 |
| Noninterest expense to average assets | 2.5043% | 4,211 |
| Loan and lease loss provision to assets | 0.0914% | 2,476 |
| Net operating income to assets | 0.8393% | 3,161 |
| Return on assets (ROA) | 0.8375% | 3,239 |
| Pretax return on assets | 0.8384% | 4,077 |
| Return on Equity (ROE) | 9.9060% | 2,043 |
| Retained earnings to average equity (ytd only) | 5.8900% | 1,847 |
| Net charge-offs to loans | 0.0281% | 3,660 |
| Credit loss provision to net charge-offs | 721.4286% | 463 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 741 |
| Efficiency ratio | 72.8854% | 2,758 |
| Assets per employee ($millions) | 4.8969% | 2,474 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0972% | 689 |
| Loan loss allowance to noncurrent loans | 353.7217% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 4,427 |
| Noncurrent loans to loans | 0.5929% | 3,390 |
| Net loans and leases to total assets | 43.4142% | 5,313 |
| Net loans and leases to deposits | 47.4178% | 5,502 |
| Net loans and leases to core deposits | 50.0029% | 5,497 |
| Total domestic deposits to total assets | 91.5568% | 166 |
| Equity capital to assets | 8.3003% | 5,704 |
| Core capital (leverage) ratio | 8.7274% | 5,187 |
| Tier 1 risk-based capital ratio | 15.8191% | 2,774 |
| Total risk-based capital ratio | 17.0746% | 2,706 |
| Memoranda: | ||
| Average total assets | $110,449,600 | 4,251 |
| Average earning assets | $103,569,400 | 4,196 |
| Average equity | $9,337,800 | 4,782 |
| Average total loans | $49,899,400 | 4,675 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1538% | 5,636 |
| Cost of funding earning assets | 0.2434% | 4,954 |
| Net interest margin | 2.9104% | 5,390 |
| Noninterest income to average assets | 0.6281% | 2,591 |
| Noninterest expense to average assets | 2.5395% | 4,081 |
| Loan and lease loss provision to assets | 0.0883% | 2,390 |
| Net operating income to assets | 0.7275% | 3,775 |
| Return on assets (ROA) | 0.7250% | 3,894 |
| Pretax return on assets | 0.7263% | 4,587 |
| Return on Equity (ROE) | 8.5339% | 2,805 |
| Retained earnings to average equity (ytd only) | 4.9240% | 2,963 |
| Net charge-offs to loans | 0.0378% | 3,140 |
| Credit loss provision to net charge-offs | 514.2857% | 635 |
| Earnings coverage of net charge-offs (x) | 47.5619% | 1,092 |
| Efficiency ratio | 75.6579% | 2,295 |
| Assets per employee ($millions) | 4.7467% | 2,628 |
| Cash dividends to net income (ytd only)* | 42.3018% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 809 |
| Loan loss allowance to noncurrent loans | 1,520.0000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 5,512 |
| Noncurrent loans to loans | 0.1366% | 5,084 |
| Net loans and leases to total assets | 45.9578% | 5,230 |
| Net loans and leases to deposits | 50.5287% | 5,449 |
| Net loans and leases to core deposits | 53.5269% | 5,432 |
| Total domestic deposits to total assets | 90.9539% | 250 |
| Equity capital to assets | 8.7979% | 5,491 |
| Core capital (leverage) ratio | 9.0924% | 4,893 |
| Tier 1 risk-based capital ratio | 16.1061% | 2,753 |
| Total risk-based capital ratio | 17.3622% | 2,701 |
| Memoranda: | ||
| Average total assets | $108,680,500 | 4,330 |
| Average earning assets | $101,883,750 | 4,286 |
| Average equity | $9,233,500 | 4,859 |
| Average total loans | $49,345,250 | 4,742 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1198% | 5,721 |
| Cost of funding earning assets | 0.2483% | 4,961 |
| Net interest margin | 2.8714% | 5,491 |
| Noninterest income to average assets | 0.6211% | 2,626 |
| Noninterest expense to average assets | 2.5360% | 4,115 |
| Loan and lease loss provision to assets | 0.0811% | 2,486 |
| Net operating income to assets | 0.6875% | 3,948 |
| Return on assets (ROA) | 0.6838% | 4,078 |
| Pretax return on assets | 0.6856% | 4,706 |
| Return on Equity (ROE) | 8.1452% | 2,965 |
| Retained earnings to average equity (ytd only) | 4.3031% | 3,287 |
| Net charge-offs to loans | 0.0657% | 2,439 |
| Credit loss provision to net charge-offs | 275.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 26.1250% | 1,494 |
| Efficiency ratio | 76.7001% | 2,250 |
| Assets per employee ($millions) | 4.5559% | 2,893 |
| Cash dividends to net income (ytd only)* | 47.1698% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 1,011 |
| Loan loss allowance to noncurrent loans | 3,335.4839% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 5,768 |
| Noncurrent loans to loans | 0.0595% | 5,495 |
| Net loans and leases to total assets | 46.6897% | 5,200 |
| Net loans and leases to deposits | 51.0837% | 5,446 |
| Net loans and leases to core deposits | 54.0938% | 5,413 |
| Total domestic deposits to total assets | 91.3985% | 205 |
| Equity capital to assets | 8.3848% | 5,771 |
| Core capital (leverage) ratio | 8.7303% | 5,290 |
| Tier 1 risk-based capital ratio | 15.8540% | 2,926 |
| Total risk-based capital ratio | 17.1092% | 2,882 |
| Memoranda: | ||
| Average total assets | $108,516,000 | 4,368 |
| Average earning assets | $101,482,000 | 4,332 |
| Average equity | $9,109,670 | 4,922 |
| Average total loans | $48,714,330 | 4,797 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0764% | 5,809 |
| Cost of funding earning assets | 0.2534% | 4,988 |
| Net interest margin | 2.8230% | 5,599 |
| Noninterest income to average assets | 0.6031% | 2,631 |
| Noninterest expense to average assets | 2.4939% | 4,278 |
| Loan and lease loss provision to assets | 0.0555% | 2,821 |
| Net operating income to assets | 0.6919% | 3,838 |
| Return on assets (ROA) | 0.6919% | 3,965 |
| Pretax return on assets | 0.6919% | 4,618 |
| Return on Equity (ROE) | 8.2374% | 2,833 |
| Retained earnings to average equity (ytd only) | 3.8324% | 3,705 |
| Net charge-offs to loans | 0.1446% | 1,373 |
| Credit loss provision to net charge-offs | 88.2353% | 1,756 |
| Earnings coverage of net charge-offs (x) | 11.8824% | 1,831 |
| Efficiency ratio | 76.9406% | 2,352 |
| Assets per employee ($millions) | 4.5697% | 2,939 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0111% | 1,052 |
| Loan loss allowance to noncurrent loans | 2,788.8889% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,812 |
| Noncurrent loans to loans | 0.0721% | 5,482 |
| Net loans and leases to total assets | 44.6035% | 5,299 |
| Net loans and leases to deposits | 48.7518% | 5,530 |
| Net loans and leases to core deposits | 51.6122% | 5,513 |
| Total domestic deposits to total assets | 91.4911% | 232 |
| Equity capital to assets | 8.3576% | 5,833 |
| Core capital (leverage) ratio | 8.8502% | 5,137 |
| Tier 1 risk-based capital ratio | 15.9617% | 2,942 |
| Total risk-based capital ratio | 17.2164% | 2,873 |
| Memoranda: | ||
| Average total assets | $108,103,500 | 4,409 |
| Average earning assets | $101,026,000 | 4,368 |
| Average equity | $9,080,500 | 4,969 |
| Average total loans | $47,029,000 | 4,884 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1576% | 5,890 |
| Cost of funding earning assets | 0.2428% | 5,396 |
| Net interest margin | 2.9148% | 5,610 |
| Noninterest income to average assets | 0.6833% | 2,378 |
| Noninterest expense to average assets | 2.6781% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7159% | 3,813 |
| Return on assets (ROA) | 0.7741% | 3,594 |
| Pretax return on assets | 0.7741% | 4,350 |
| Return on Equity (ROE) | 9.7115% | 2,250 |
| Retained earnings to average equity (ytd only) | 6.9279% | 1,439 |
| Net charge-offs to loans | -0.0233% | 5,728 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9076% | 2,075 |
| Assets per employee ($millions) | 4.4389% | 3,140 |
| Cash dividends to net income (ytd only)* | 28.6624% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2793% | 739 |
| Loan loss allowance to noncurrent loans | 1,972.5490% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 5,840 |
| Noncurrent loans to loans | 0.1156% | 5,433 |
| Net loans and leases to total assets | 40.4847% | 5,712 |
| Net loans and leases to deposits | 44.3514% | 5,866 |
| Net loans and leases to core deposits | 47.1712% | 5,846 |
| Total domestic deposits to total assets | 91.2817% | 277 |
| Equity capital to assets | 8.4433% | 5,797 |
| Core capital (leverage) ratio | 8.9292% | 5,087 |
| Tier 1 risk-based capital ratio | 17.1540% | 2,453 |
| Total risk-based capital ratio | 18.4114% | 2,404 |
| Memoranda: | ||
| Average total assets | $101,413,800 | 4,568 |
| Average earning assets | $94,311,800 | 4,546 |
| Average equity | $8,083,200 | 5,186 |
| Average total loans | $42,951,600 | 5,072 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1864% | 5,913 |
| Cost of funding earning assets | 0.2435% | 5,471 |
| Net interest margin | 2.9429% | 5,614 |
| Noninterest income to average assets | 0.6711% | 2,470 |
| Noninterest expense to average assets | 2.7057% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7017% | 3,933 |
| Return on assets (ROA) | 0.7470% | 3,782 |
| Pretax return on assets | 0.7470% | 4,533 |
| Return on Equity (ROE) | 9.5220% | 2,439 |
| Retained earnings to average equity (ytd only) | 7.8247% | 1,435 |
| Net charge-offs to loans | -0.0313% | 5,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4060% | 2,001 |
| Assets per employee ($millions) | 4.2772% | 3,340 |
| Cash dividends to net income (ytd only)* | 17.8253% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3758% | 758 |
| Loan loss allowance to noncurrent loans | 1,972.5490% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 5,956 |
| Noncurrent loans to loans | 0.1204% | 5,567 |
| Net loans and leases to total assets | 40.2696% | 5,795 |
| Net loans and leases to deposits | 43.9700% | 5,973 |
| Net loans and leases to core deposits | 47.1346% | 5,916 |
| Total domestic deposits to total assets | 91.5843% | 215 |
| Equity capital to assets | 8.1079% | 6,074 |
| Core capital (leverage) ratio | 9.2896% | 4,652 |
| Tier 1 risk-based capital ratio | 17.9198% | 2,235 |
| Total risk-based capital ratio | 19.1787% | 2,195 |
| Memoranda: | ||
| Average total assets | $100,133,750 | 4,640 |
| Average earning assets | $93,101,500 | 4,622 |
| Average equity | $7,855,250 | 5,278 |
| Average total loans | $42,655,500 | 5,136 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2376% | 5,890 |
| Cost of funding earning assets | 0.2475% | 5,512 |
| Net interest margin | 2.9901% | 5,555 |
| Noninterest income to average assets | 0.6526% | 2,525 |
| Noninterest expense to average assets | 2.7252% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7009% | 3,838 |
| Return on assets (ROA) | 0.6969% | 3,947 |
| Pretax return on assets | 0.6969% | 4,652 |
| Return on Equity (ROE) | 8.9878% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.9878% | 989 |
| Net charge-offs to loans | -0.0468% | 5,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5414% | 2,086 |
| Assets per employee ($millions) | 4.3295% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4073% | 806 |
| Loan loss allowance to noncurrent loans | 1,734.4828% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 6,005 |
| Noncurrent loans to loans | 0.1388% | 5,589 |
| Net loans and leases to total assets | 40.9558% | 5,746 |
| Net loans and leases to deposits | 44.7870% | 5,946 |
| Net loans and leases to core deposits | 48.0677% | 5,902 |
| Total domestic deposits to total assets | 91.4459% | 276 |
| Equity capital to assets | 8.3061% | 5,948 |
| Core capital (leverage) ratio | 9.1448% | 4,824 |
| Tier 1 risk-based capital ratio | 18.6251% | 2,030 |
| Total risk-based capital ratio | 19.8836% | 1,985 |
| Memoranda: | ||
| Average total assets | $99,294,000 | 4,701 |
| Average earning assets | $92,104,330 | 4,677 |
| Average equity | $7,699,330 | 5,344 |
| Average total loans | $42,759,330 | 5,171 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2360% | 5,954 |
| Cost of funding earning assets | 0.2533% | 5,548 |
| Net interest margin | 2.9827% | 5,562 |
| Noninterest income to average assets | 0.6737% | 2,330 |
| Noninterest expense to average assets | 2.6908% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7383% | 3,498 |
| Return on assets (ROA) | 0.7302% | 3,622 |
| Pretax return on assets | 0.7302% | 4,387 |
| Return on Equity (ROE) | 9.7660% | 2,125 |
| Retained earnings to average equity (ytd only) | 9.7660% | 1,026 |
| Net charge-offs to loans | -0.1110% | 6,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4706% | 2,414 |
| Assets per employee ($millions) | 4.1780% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3072% | 1,018 |
| Loan loss allowance to noncurrent loans | 1,018.1818% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 5,817 |
| Noncurrent loans to loans | 0.2266% | 5,419 |
| Net loans and leases to total assets | 42.5648% | 5,622 |
| Net loans and leases to deposits | 46.1676% | 5,840 |
| Net loans and leases to core deposits | 49.3513% | 5,803 |
| Total domestic deposits to total assets | 92.1963% | 204 |
| Equity capital to assets | 7.6391% | 6,253 |
| Core capital (leverage) ratio | 8.9650% | 5,067 |
| Tier 1 risk-based capital ratio | 17.6782% | 2,420 |
| Total risk-based capital ratio | 18.9381% | 2,386 |
| Memoranda: | ||
| Average total assets | $99,152,000 | 4,754 |
| Average earning assets | $91,595,500 | 4,733 |
| Average equity | $7,413,500 | 5,430 |
| Average total loans | $43,244,500 | 5,200 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3592% | 5,911 |
| Cost of funding earning assets | 0.3161% | 5,459 |
| Net interest margin | 3.0432% | 5,467 |
| Noninterest income to average assets | 0.5810% | 3,203 |
| Noninterest expense to average assets | 2.6312% | 4,349 |
| Loan and lease loss provision to assets | -0.0351% | 6,343 |
| Net operating income to assets | 0.8158% | 3,214 |
| Return on assets (ROA) | 1.0095% | 2,349 |
| Pretax return on assets | 1.0095% | 3,316 |
| Return on Equity (ROE) | 13.0355% | 1,160 |
| Retained earnings to average equity (ytd only) | 11.7397% | 340 |
| Net charge-offs to loans | 0.0918% | 3,927 |
| Credit loss provision to net charge-offs | -87.5000% | 5,856 |
| Earnings coverage of net charge-offs (x) | 19.4500% | 1,605 |
| Efficiency ratio | 77.1176% | 2,604 |
| Assets per employee ($millions) | 4.0846% | 3,688 |
| Cash dividends to net income (ytd only)* | 9.9404% | 4,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3271% | 1,013 |
| Loan loss allowance to noncurrent loans | 3,212.9032% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 6,108 |
| Noncurrent loans to loans | 0.0724% | 6,001 |
| Net loans and leases to total assets | 42.6437% | 5,782 |
| Net loans and leases to deposits | 46.0929% | 6,003 |
| Net loans and leases to core deposits | 49.0467% | 5,983 |
| Total domestic deposits to total assets | 92.5167% | 188 |
| Equity capital to assets | 7.3110% | 6,362 |
| Core capital (leverage) ratio | 9.0932% | 4,864 |
| Tier 1 risk-based capital ratio | 17.0373% | 2,593 |
| Total risk-based capital ratio | 18.2963% | 2,558 |
| Memoranda: | ||
| Average total assets | $99,652,200 | 4,746 |
| Average earning assets | $92,699,400 | 4,707 |
| Average equity | $7,717,400 | 5,412 |
| Average total loans | $43,596,600 | 5,212 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3770% | 5,931 |
| Cost of funding earning assets | 0.3401% | 5,379 |
| Net interest margin | 3.0369% | 5,502 |
| Noninterest income to average assets | 0.6050% | 3,117 |
| Noninterest expense to average assets | 2.6251% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8115% | 3,287 |
| Return on assets (ROA) | 1.0487% | 2,270 |
| Pretax return on assets | 1.0487% | 3,307 |
| Return on Equity (ROE) | 13.3585% | 1,150 |
| Retained earnings to average equity (ytd only) | 11.6611% | 475 |
| Net charge-offs to loans | 0.0304% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 60.9137% | 748 |
| Efficiency ratio | 76.3862% | 2,671 |
| Assets per employee ($millions) | 4.1099% | 3,620 |
| Cash dividends to net income (ytd only)* | 12.7064% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4801% | 956 |
| Loan loss allowance to noncurrent loans | 1,341.7722% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 5,879 |
| Noncurrent loans to loans | 0.1848% | 5,776 |
| Net loans and leases to total assets | 44.0932% | 5,722 |
| Net loans and leases to deposits | 47.6441% | 5,986 |
| Net loans and leases to core deposits | 51.4447% | 5,924 |
| Total domestic deposits to total assets | 92.5471% | 173 |
| Equity capital to assets | 7.1239% | 6,514 |
| Core capital (leverage) ratio | 9.0317% | 5,079 |
| Tier 1 risk-based capital ratio | 17.1316% | 2,655 |
| Total risk-based capital ratio | 18.4104% | 2,607 |
| Memoranda: | ||
| Average total assets | $100,057,500 | 4,781 |
| Average earning assets | $93,294,500 | 4,746 |
| Average equity | $7,855,000 | 5,432 |
| Average total loans | $43,795,750 | 5,250 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3368% | 6,027 |
| Cost of funding earning assets | 0.3530% | 5,376 |
| Net interest margin | 2.9838% | 5,602 |
| Noninterest income to average assets | 0.5829% | 3,302 |
| Noninterest expense to average assets | 2.5829% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7870% | 3,369 |
| Return on assets (ROA) | 1.0814% | 2,102 |
| Pretax return on assets | 1.0814% | 3,164 |
| Return on Equity (ROE) | 13.3922% | 1,143 |
| Retained earnings to average equity (ytd only) | 10.9617% | 651 |
| Net charge-offs to loans | 0.0181% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 100.2500% | 461 |
| Efficiency ratio | 76.6453% | 2,691 |
| Assets per employee ($millions) | 4.2902% | 3,190 |
| Cash dividends to net income (ytd only)* | 18.1488% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4289% | 1,060 |
| Loan loss allowance to noncurrent loans | 1,035.9223% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 5,881 |
| Noncurrent loans to loans | 0.2345% | 5,721 |
| Net loans and leases to total assets | 43.4390% | 5,790 |
| Net loans and leases to deposits | 47.4211% | 6,021 |
| Net loans and leases to core deposits | 50.9540% | 5,966 |
| Total domestic deposits to total assets | 91.6027% | 341 |
| Equity capital to assets | 8.1004% | 6,132 |
| Core capital (leverage) ratio | 8.4378% | 5,736 |
| Tier 1 risk-based capital ratio | 16.3960% | 2,986 |
| Total risk-based capital ratio | 17.6725% | 2,932 |
| Memoranda: | ||
| Average total assets | $101,901,000 | 4,770 |
| Average earning assets | $95,182,000 | 4,718 |
| Average equity | $8,228,670 | 5,374 |
| Average total loans | $44,147,670 | 5,259 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3186% | 6,119 |
| Cost of funding earning assets | 0.3683% | 5,387 |
| Net interest margin | 2.9503% | 5,705 |
| Noninterest income to average assets | 0.5719% | 3,292 |
| Noninterest expense to average assets | 2.4615% | 4,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8656% | 2,835 |
| Return on assets (ROA) | 1.2095% | 1,616 |
| Pretax return on assets | 1.2095% | 2,536 |
| Return on Equity (ROE) | 15.0003% | 769 |
| Retained earnings to average equity (ytd only) | 10.2079% | 1,056 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9837% | 3,266 |
| Assets per employee ($millions) | 4.4123% | 3,132 |
| Cash dividends to net income (ytd only)* | 31.9489% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3988% | 1,255 |
| Loan loss allowance to noncurrent loans | 805.2632% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 5,884 |
| Noncurrent loans to loans | 0.2979% | 5,656 |
| Net loans and leases to total assets | 42.9406% | 5,765 |
| Net loans and leases to deposits | 46.9089% | 5,997 |
| Net loans and leases to core deposits | 50.3019% | 5,955 |
| Total domestic deposits to total assets | 91.5404% | 345 |
| Equity capital to assets | 8.1758% | 6,271 |
| Core capital (leverage) ratio | 8.0138% | 6,126 |
| Tier 1 risk-based capital ratio | 15.9222% | 3,314 |
| Total risk-based capital ratio | 17.2004% | 3,260 |
| Memoranda: | ||
| Average total assets | $103,514,500 | 4,779 |
| Average earning assets | $96,666,500 | 4,721 |
| Average equity | $8,346,500 | 5,398 |
| Average total loans | $44,256,500 | 5,295 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 5,852 |
| Cost of funding earning assets | 0.4592% | 5,507 |
| Net interest margin | 3.3292% | 5,145 |
| Noninterest income to average assets | 0.6905% | 2,771 |
| Noninterest expense to average assets | 2.7089% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0877% | 1,982 |
| Return on assets (ROA) | 1.3425% | 1,333 |
| Pretax return on assets | 1.3425% | 2,239 |
| Return on Equity (ROE) | 15.7975% | 686 |
| Retained earnings to average equity (ytd only) | 6.8647% | 1,630 |
| Net charge-offs to loans | 0.0139% | 5,721 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 174.3333% | 239 |
| Efficiency ratio | 71.3503% | 3,553 |
| Assets per employee ($millions) | 4.5890% | 2,805 |
| Cash dividends to net income (ytd only)* | 56.5453% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4416% | 1,187 |
| Loan loss allowance to noncurrent loans | 973.6364% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 6,065 |
| Noncurrent loans to loans | 0.2508% | 5,853 |
| Net loans and leases to total assets | 40.5450% | 6,137 |
| Net loans and leases to deposits | 44.2626% | 6,352 |
| Net loans and leases to core deposits | 48.0265% | 6,270 |
| Total domestic deposits to total assets | 91.6009% | 317 |
| Equity capital to assets | 7.9548% | 6,430 |
| Core capital (leverage) ratio | 8.0368% | 6,159 |
| Tier 1 risk-based capital ratio | 15.3217% | 3,527 |
| Total risk-based capital ratio | 16.5991% | 3,469 |
| Memoranda: | ||
| Average total assets | $96,164,000 | 4,934 |
| Average earning assets | $89,720,800 | 4,878 |
| Average equity | $8,172,200 | 5,452 |
| Average total loans | $43,076,400 | 5,374 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8883% | 5,816 |
| Cost of funding earning assets | 0.4912% | 5,500 |
| Net interest margin | 3.3971% | 5,045 |
| Noninterest income to average assets | 0.7219% | 2,612 |
| Noninterest expense to average assets | 2.7911% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1057% | 2,066 |
| Return on assets (ROA) | 1.3984% | 1,347 |
| Pretax return on assets | 1.3984% | 2,243 |
| Return on Equity (ROE) | 16.1647% | 723 |
| Retained earnings to average equity (ytd only) | 9.1009% | 1,185 |
| Net charge-offs to loans | 0.0093% | 5,584 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 259.3275% | 177 |
| Efficiency ratio | 71.6265% | 3,392 |
| Assets per employee ($millions) | 3.9055% | 4,071 |
| Cash dividends to net income (ytd only)* | 43.6992% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4838% | 1,224 |
| Loan loss allowance to noncurrent loans | 860.0000% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 6,380 |
| Noncurrent loans to loans | 0.2888% | 5,913 |
| Net loans and leases to total assets | 45.0284% | 5,868 |
| Net loans and leases to deposits | 49.5608% | 6,144 |
| Net loans and leases to core deposits | 54.3990% | 6,016 |
| Total domestic deposits to total assets | 90.8548% | 450 |
| Equity capital to assets | 8.7985% | 6,018 |
| Core capital (leverage) ratio | 8.4386% | 5,840 |
| Tier 1 risk-based capital ratio | 15.6455% | 3,456 |
| Total risk-based capital ratio | 16.9242% | 3,406 |
| Memoranda: | ||
| Average total assets | $93,818,250 | 5,039 |
| Average earning assets | $87,679,500 | 4,975 |
| Average equity | $8,116,250 | 5,521 |
| Average total loans | $42,879,250 | 5,451 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 5,900 |
| Cost of funding earning assets | 0.5201% | 5,481 |
| Net interest margin | 3.3851% | 5,138 |
| Noninterest income to average assets | 0.7310% | 2,511 |
| Noninterest expense to average assets | 2.7918% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1018% | 2,039 |
| Return on assets (ROA) | 1.4129% | 1,299 |
| Pretax return on assets | 1.4129% | 2,155 |
| Return on Equity (ROE) | 16.4258% | 706 |
| Retained earnings to average equity (ytd only) | 10.2321% | 910 |
| Net charge-offs to loans | 0.0047% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 517.0000% | 79 |
| Efficiency ratio | 71.7022% | 3,484 |
| Assets per employee ($millions) | 3.9548% | 3,971 |
| Cash dividends to net income (ytd only)* | 37.7074% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4950% | 1,290 |
| Loan loss allowance to noncurrent loans | 507.5472% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 6,218 |
| Noncurrent loans to loans | 0.4916% | 5,549 |
| Net loans and leases to total assets | 44.3023% | 5,992 |
| Net loans and leases to deposits | 48.6724% | 6,271 |
| Net loans and leases to core deposits | 54.0996% | 6,090 |
| Total domestic deposits to total assets | 91.0215% | 440 |
| Equity capital to assets | 8.6708% | 6,057 |
| Core capital (leverage) ratio | 8.2134% | 6,036 |
| Tier 1 risk-based capital ratio | 15.2695% | 3,592 |
| Total risk-based capital ratio | 16.5486% | 3,531 |
| Memoranda: | ||
| Average total assets | $93,847,000 | 5,072 |
| Average earning assets | $87,679,330 | 5,001 |
| Average equity | $8,072,670 | 5,544 |
| Average total loans | $42,745,330 | 5,479 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 5,712 |
| Cost of funding earning assets | 0.5604% | 5,430 |
| Net interest margin | 3.4544% | 4,894 |
| Noninterest income to average assets | 0.7073% | 2,627 |
| Noninterest expense to average assets | 2.8335% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0974% | 2,097 |
| Return on assets (ROA) | 1.3975% | 1,375 |
| Pretax return on assets | 1.3975% | 2,198 |
| Return on Equity (ROE) | 16.3122% | 763 |
| Retained earnings to average equity (ytd only) | 16.3122% | 347 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0829% | 3,425 |
| Assets per employee ($millions) | 3.9896% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5861% | 1,242 |
| Loan loss allowance to noncurrent loans | 499.0741% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 6,319 |
| Noncurrent loans to loans | 0.5182% | 5,633 |
| Net loans and leases to total assets | 42.4084% | 6,158 |
| Net loans and leases to deposits | 46.3777% | 6,398 |
| Net loans and leases to core deposits | 51.4723% | 6,244 |
| Total domestic deposits to total assets | 91.4413% | 392 |
| Equity capital to assets | 8.3426% | 6,228 |
| Core capital (leverage) ratio | 8.0366% | 6,225 |
| Tier 1 risk-based capital ratio | 15.5882% | 3,398 |
| Total risk-based capital ratio | 16.8690% | 3,352 |
| Memoranda: | ||
| Average total assets | $93,312,500 | 5,116 |
| Average earning assets | $87,077,500 | 5,053 |
| Average equity | $7,994,000 | 5,598 |
| Average total loans | $42,555,000 | 5,529 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 4,963 |
| Cost of funding earning assets | 0.6894% | 5,610 |
| Net interest margin | 3.8386% | 3,630 |
| Noninterest income to average assets | 0.6901% | 2,665 |
| Noninterest expense to average assets | 3.0405% | 3,433 |
| Loan and lease loss provision to assets | 0.1073% | 5,254 |
| Net operating income to assets | 1.0956% | 1,849 |
| Return on assets (ROA) | 1.1294% | 1,846 |
| Pretax return on assets | 1.1294% | 2,725 |
| Return on Equity (ROE) | 14.0382% | 920 |
| Retained earnings to average equity (ytd only) | 8.2826% | 990 |
| Net charge-offs to loans | 0.0400% | 5,912 |
| Credit loss provision to net charge-offs | 527.7778% | 435 |
| Earnings coverage of net charge-offs (x) | 59.1667% | 486 |
| Efficiency ratio | 71.6529% | 3,649 |
| Assets per employee ($millions) | 3.6350% | 4,696 |
| Cash dividends to net income (ytd only)* | 41.0000% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4824% | 1,343 |
| Loan loss allowance to noncurrent loans | 561.4583% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 6,437 |
| Noncurrent loans to loans | 0.4421% | 5,825 |
| Net loans and leases to total assets | 46.6003% | 5,956 |
| Net loans and leases to deposits | 51.2806% | 6,271 |
| Net loans and leases to core deposits | 57.2866% | 6,056 |
| Total domestic deposits to total assets | 90.8732% | 554 |
| Equity capital to assets | 8.8033% | 5,791 |
| Core capital (leverage) ratio | 8.1246% | 6,108 |
| Tier 1 risk-based capital ratio | 14.7906% | 3,767 |
| Total risk-based capital ratio | 16.0703% | 3,728 |
| Memoranda: | ||
| Average total assets | $88,539,400 | 5,223 |
| Average earning assets | $81,957,600 | 5,169 |
| Average equity | $7,123,400 | 5,833 |
| Average total loans | $45,053,200 | 5,469 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 4,879 |
| Cost of funding earning assets | 0.7181% | 5,661 |
| Net interest margin | 3.8775% | 3,492 |
| Noninterest income to average assets | 0.6988% | 2,617 |
| Noninterest expense to average assets | 3.1197% | 3,090 |
| Loan and lease loss provision to assets | 0.1213% | 4,917 |
| Net operating income to assets | 1.0429% | 2,163 |
| Return on assets (ROA) | 1.0657% | 2,228 |
| Pretax return on assets | 1.0657% | 3,147 |
| Return on Equity (ROE) | 13.5758% | 1,143 |
| Retained earnings to average equity (ytd only) | 8.5549% | 1,297 |
| Net charge-offs to loans | 0.0411% | 5,580 |
| Credit loss provision to net charge-offs | 571.4286% | 480 |
| Earnings coverage of net charge-offs (x) | 54.8457% | 596 |
| Efficiency ratio | 72.8238% | 3,395 |
| Assets per employee ($millions) | 3.6081% | 4,744 |
| Cash dividends to net income (ytd only)* | 36.9846% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4896% | 1,410 |
| Loan loss allowance to noncurrent loans | 595.5307% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 6,567 |
| Noncurrent loans to loans | 0.4180% | 6,003 |
| Net loans and leases to total assets | 46.2872% | 6,118 |
| Net loans and leases to deposits | 50.8631% | 6,453 |
| Net loans and leases to core deposits | 56.8960% | 6,231 |
| Total domestic deposits to total assets | 91.0035% | 431 |
| Equity capital to assets | 8.6617% | 6,126 |
| Core capital (leverage) ratio | 8.1413% | 6,225 |
| Tier 1 risk-based capital ratio | 15.0315% | 3,646 |
| Total risk-based capital ratio | 16.3136% | 3,597 |
| Memoranda: | ||
| Average total assets | $87,955,500 | 5,273 |
| Average earning assets | $81,321,000 | 5,231 |
| Average equity | $6,904,250 | 5,930 |
| Average total loans | $45,460,000 | 5,493 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 4,796 |
| Cost of funding earning assets | 0.7542% | 5,644 |
| Net interest margin | 3.8850% | 3,382 |
| Noninterest income to average assets | 0.6467% | 2,870 |
| Noninterest expense to average assets | 3.0800% | 3,331 |
| Loan and lease loss provision to assets | 0.1491% | 4,448 |
| Net operating income to assets | 1.0206% | 2,135 |
| Return on assets (ROA) | 1.0550% | 2,116 |
| Pretax return on assets | 1.0550% | 3,025 |
| Return on Equity (ROE) | 13.9366% | 994 |
| Retained earnings to average equity (ytd only) | 10.6039% | 734 |
| Net charge-offs to loans | 0.0216% | 5,538 |
| Credit loss provision to net charge-offs | 1,300.0000% | 267 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 360 |
| Efficiency ratio | 72.4771% | 3,637 |
| Assets per employee ($millions) | 3.3407% | 5,342 |
| Cash dividends to net income (ytd only)* | 23.9130% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3457% | 1,670 |
| Loan loss allowance to noncurrent loans | 17,666.6667% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 6,716 |
| Noncurrent loans to loans | 0.0133% | 6,976 |
| Net loans and leases to total assets | 50.8071% | 5,715 |
| Net loans and leases to deposits | 55.4306% | 6,187 |
| Net loans and leases to core deposits | 61.3283% | 5,965 |
| Total domestic deposits to total assets | 91.6588% | 309 |
| Equity capital to assets | 8.0476% | 6,648 |
| Core capital (leverage) ratio | 8.0757% | 6,200 |
| Tier 1 risk-based capital ratio | 14.5117% | 3,777 |
| Total risk-based capital ratio | 15.5606% | 3,905 |
| Memoranda: | ||
| Average total assets | $87,206,670 | 5,337 |
| Average earning assets | $80,875,670 | 5,294 |
| Average equity | $6,601,330 | 6,054 |
| Average total loans | $46,340,670 | 5,509 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 5,252 |
| Cost of funding earning assets | 0.8085% | 5,532 |
| Net interest margin | 3.7171% | 4,011 |
| Noninterest income to average assets | 0.6226% | 3,024 |
| Noninterest expense to average assets | 3.0213% | 3,551 |
| Loan and lease loss provision to assets | 0.1144% | 4,579 |
| Net operating income to assets | 0.9384% | 2,410 |
| Return on assets (ROA) | 0.9338% | 2,495 |
| Pretax return on assets | 0.9338% | 3,386 |
| Return on Equity (ROE) | 12.7361% | 1,264 |
| Retained earnings to average equity (ytd only) | 8.9902% | 1,380 |
| Net charge-offs to loans | 0.0512% | 4,426 |
| Credit loss provision to net charge-offs | 416.6667% | 814 |
| Earnings coverage of net charge-offs (x) | 38.3333% | 704 |
| Efficiency ratio | 74.1573% | 3,486 |
| Assets per employee ($millions) | 3.5730% | 4,819 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1628% | 2,049 |
| Loan loss allowance to noncurrent loans | 343.0976% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 6,364 |
| Noncurrent loans to loans | 0.6304% | 5,775 |
| Net loans and leases to total assets | 51.6037% | 5,632 |
| Net loans and leases to deposits | 55.8721% | 6,139 |
| Net loans and leases to core deposits | 61.9940% | 5,924 |
| Total domestic deposits to total assets | 92.3605% | 198 |
| Equity capital to assets | 7.3540% | 6,948 |
| Core capital (leverage) ratio | 8.0182% | 6,230 |
| Tier 1 risk-based capital ratio | 13.5538% | 4,389 |
| Total risk-based capital ratio | 14.7301% | 4,411 |
| Memoranda: | ||
| Average total assets | $87,381,000 | 5,374 |
| Average earning assets | $81,138,500 | 5,325 |
| Average equity | $6,407,000 | 6,127 |
| Average total loans | $46,916,000 | 5,522 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1578% | 3,813 |
| Cost of funding earning assets | 1.0909% | 5,183 |
| Net interest margin | 4.0669% | 2,720 |
| Noninterest income to average assets | 0.7063% | 2,807 |
| Noninterest expense to average assets | 3.0938% | 3,484 |
| Loan and lease loss provision to assets | 0.2929% | 4,453 |
| Net operating income to assets | 1.0714% | 1,795 |
| Return on assets (ROA) | 1.3028% | 1,225 |
| Pretax return on assets | 1.3028% | 1,919 |
| Return on Equity (ROE) | 15.6776% | 618 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 0.0432% | 6,371 |
| Credit loss provision to net charge-offs | 1,104.5455% | 204 |
| Earnings coverage of net charge-offs (x) | 51.4545% | 454 |
| Efficiency ratio | 69.0187% | 4,374 |
| Assets per employee ($millions) | 3.2860% | 5,466 |
| Cash dividends to net income (ytd only)* | 100.0000% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1405% | 1,983 |
| Loan loss allowance to noncurrent loans | 485.4369% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 6,636 |
| Noncurrent loans to loans | 0.4409% | 6,161 |
| Net loans and leases to total assets | 53.5108% | 5,701 |
| Net loans and leases to deposits | 58.0450% | 6,250 |
| Net loans and leases to core deposits | 63.6989% | 6,081 |
| Total domestic deposits to total assets | 92.1884% | 240 |
| Equity capital to assets | 7.3095% | 6,995 |
| Core capital (leverage) ratio | 8.0379% | 6,139 |
| Tier 1 risk-based capital ratio | 13.5001% | 4,200 |
| Total risk-based capital ratio | 14.6879% | 4,232 |
| Memoranda: | ||
| Average total assets | $82,973,400 | 5,498 |
| Average earning assets | $76,544,800 | 5,463 |
| Average equity | $6,895,200 | 6,072 |
| Average total loans | $50,879,200 | 5,447 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 3,376 |
| Cost of funding earning assets | 1.1469% | 5,170 |
| Net interest margin | 4.1484% | 2,411 |
| Noninterest income to average assets | 0.6443% | 3,159 |
| Noninterest expense to average assets | 3.0986% | 3,347 |
| Loan and lease loss provision to assets | 0.2493% | 4,597 |
| Net operating income to assets | 1.1203% | 1,826 |
| Return on assets (ROA) | 1.3647% | 1,264 |
| Pretax return on assets | 1.3647% | 1,989 |
| Return on Equity (ROE) | 15.9253% | 715 |
| Retained earnings to average equity (ytd only) | 1.1712% | 5,349 |
| Net charge-offs to loans | 0.0642% | 5,873 |
| Credit loss provision to net charge-offs | 616.0000% | 477 |
| Earnings coverage of net charge-offs (x) | 33.8425% | 791 |
| Efficiency ratio | 68.9493% | 4,276 |
| Assets per employee ($millions) | 3.2994% | 5,463 |
| Cash dividends to net income (ytd only)* | 92.6457% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 2,673 |
| Loan loss allowance to noncurrent loans | 414.6119% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 6,680 |
| Noncurrent loans to loans | 0.4429% | 6,309 |
| Net loans and leases to total assets | 58.8502% | 5,125 |
| Net loans and leases to deposits | 64.6537% | 5,829 |
| Net loans and leases to core deposits | 71.8491% | 5,529 |
| Total domestic deposits to total assets | 91.0237% | 445 |
| Equity capital to assets | 8.6477% | 6,106 |
| Core capital (leverage) ratio | 8.2391% | 5,977 |
| Tier 1 risk-based capital ratio | 13.3934% | 4,279 |
| Total risk-based capital ratio | 14.6285% | 4,258 |
| Memoranda: | ||
| Average total assets | $82,357,500 | 5,581 |
| Average earning assets | $75,914,750 | 5,550 |
| Average equity | $7,057,750 | 6,089 |
| Average total loans | $51,919,500 | 5,485 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3930% | 3,005 |
| Cost of funding earning assets | 1.2233% | 4,997 |
| Net interest margin | 4.1697% | 2,263 |
| Noninterest income to average assets | 0.6293% | 3,132 |
| Noninterest expense to average assets | 3.0711% | 3,426 |
| Loan and lease loss provision to assets | 0.0850% | 6,076 |
| Net operating income to assets | 1.3242% | 1,249 |
| Return on assets (ROA) | 1.3606% | 1,240 |
| Pretax return on assets | 1.3606% | 1,919 |
| Return on Equity (ROE) | 15.9257% | 712 |
| Retained earnings to average equity (ytd only) | 2.4457% | 4,598 |
| Net charge-offs to loans | 0.0265% | 5,966 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 82.8571% | 386 |
| Efficiency ratio | 68.1670% | 4,551 |
| Assets per employee ($millions) | 3.2261% | 5,615 |
| Cash dividends to net income (ytd only)* | 84.6429% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 3,563 |
| Loan loss allowance to noncurrent loans | 348.2759% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 6,695 |
| Noncurrent loans to loans | 0.4521% | 6,343 |
| Net loans and leases to total assets | 62.6201% | 4,552 |
| Net loans and leases to deposits | 68.9592% | 5,421 |
| Net loans and leases to core deposits | 76.7029% | 5,114 |
| Total domestic deposits to total assets | 90.8075% | 565 |
| Equity capital to assets | 8.9185% | 5,575 |
| Core capital (leverage) ratio | 8.3211% | 5,719 |
| Tier 1 risk-based capital ratio | 12.9745% | 4,472 |
| Total risk-based capital ratio | 14.2108% | 4,441 |
| Memoranda: | ||
| Average total assets | $82,315,330 | 5,616 |
| Average earning assets | $76,024,670 | 5,578 |
| Average equity | $7,032,670 | 6,128 |
| Average total loans | $52,742,670 | 5,478 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3313% | 3,385 |
| Cost of funding earning assets | 1.2990% | 4,820 |
| Net interest margin | 4.0322% | 2,730 |
| Noninterest income to average assets | 0.6013% | 3,271 |
| Noninterest expense to average assets | 2.9683% | 3,789 |
| Loan and lease loss provision to assets | 0.0962% | 5,671 |
| Net operating income to assets | 1.2700% | 1,361 |
| Return on assets (ROA) | 1.3422% | 1,272 |
| Pretax return on assets | 1.3422% | 1,928 |
| Return on Equity (ROE) | 16.0518% | 710 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.0524% | 4,882 |
| Credit loss provision to net charge-offs | 285.7143% | 1,373 |
| Earnings coverage of net charge-offs (x) | 40.5714% | 679 |
| Efficiency ratio | 68.0355% | 4,716 |
| Assets per employee ($millions) | 3.1360% | 5,906 |
| Cash dividends to net income (ytd only)* | 100.0000% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 3,930 |
| Loan loss allowance to noncurrent loans | 370.5607% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 6,816 |
| Noncurrent loans to loans | 0.4036% | 6,483 |
| Net loans and leases to total assets | 64.0519% | 4,314 |
| Net loans and leases to deposits | 70.4852% | 5,271 |
| Net loans and leases to core deposits | 80.0853% | 4,756 |
| Total domestic deposits to total assets | 90.8729% | 596 |
| Equity capital to assets | 8.5470% | 5,943 |
| Core capital (leverage) ratio | 8.0905% | 6,098 |
| Tier 1 risk-based capital ratio | 12.6383% | 4,611 |
| Total risk-based capital ratio | 13.9094% | 4,561 |
| Memoranda: | ||
| Average total assets | $83,146,500 | 5,660 |
| Average earning assets | $76,980,000 | 5,602 |
| Average equity | $6,952,500 | 6,207 |
| Average total loans | $53,457,500 | 5,519 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8028% | 2,642 |
| Cost of funding earning assets | 1.7015% | 4,499 |
| Net interest margin | 4.1013% | 2,441 |
| Noninterest income to average assets | 0.7840% | 2,486 |
| Noninterest expense to average assets | 2.8853% | 4,588 |
| Loan and lease loss provision to assets | 0.2026% | 5,718 |
| Net operating income to assets | 1.4909% | 688 |
| Return on assets (ROA) | 1.6007% | 584 |
| Pretax return on assets | 1.6031% | 959 |
| Return on Equity (ROE) | 20.7714% | 208 |
| Retained earnings to average equity (ytd only) | 13.8841% | 125 |
| Net charge-offs to loans | 0.0424% | 6,684 |
| Credit loss provision to net charge-offs | 730.4348% | 397 |
| Earnings coverage of net charge-offs (x) | 61.1304% | 444 |
| Efficiency ratio | 62.6119% | 6,037 |
| Assets per employee ($millions) | 3.5315% | 4,940 |
| Cash dividends to net income (ytd only)* | 33.1575% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,995 |
| Loan loss allowance to noncurrent loans | 339.1304% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 6,774 |
| Noncurrent loans to loans | 0.4267% | 6,412 |
| Net loans and leases to total assets | 62.6693% | 4,869 |
| Net loans and leases to deposits | 68.3982% | 5,781 |
| Net loans and leases to core deposits | 110.9334% | 2,803 |
| Total domestic deposits to total assets | 91.6242% | 343 |
| Equity capital to assets | 8.1835% | 6,360 |
| Core capital (leverage) ratio | 8.0838% | 6,023 |
| Tier 1 risk-based capital ratio | 12.5288% | 4,500 |
| Total risk-based capital ratio | 13.7808% | 4,440 |
| Memoranda: | ||
| Average total assets | $82,903,600 | 5,637 |
| Average earning assets | $76,756,400 | 5,568 |
| Average equity | $6,388,600 | 6,464 |
| Average total loans | $54,260,800 | 5,493 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9349% | 2,298 |
| Cost of funding earning assets | 1.7775% | 4,492 |
| Net interest margin | 4.1574% | 2,190 |
| Noninterest income to average assets | 0.6776% | 3,172 |
| Noninterest expense to average assets | 2.9952% | 4,058 |
| Loan and lease loss provision to assets | 0.1051% | 6,326 |
| Net operating income to assets | 1.4248% | 972 |
| Return on assets (ROA) | 1.5073% | 856 |
| Pretax return on assets | 1.5106% | 1,385 |
| Return on Equity (ROE) | 19.8767% | 320 |
| Retained earnings to average equity (ytd only) | 19.8767% | 69 |
| Net charge-offs to loans | 0.0344% | 6,414 |
| Credit loss provision to net charge-offs | 464.2857% | 842 |
| Earnings coverage of net charge-offs (x) | 67.7006% | 495 |
| Efficiency ratio | 65.7500% | 5,413 |
| Assets per employee ($millions) | 3.4534% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 4,730 |
| Loan loss allowance to noncurrent loans | 289.1667% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 6,767 |
| Noncurrent loans to loans | 0.4370% | 6,458 |
| Net loans and leases to total assets | 65.4239% | 4,553 |
| Net loans and leases to deposits | 71.8999% | 5,671 |
| Net loans and leases to core deposits | 114.9910% | 2,728 |
| Total domestic deposits to total assets | 90.9931% | 417 |
| Equity capital to assets | 8.4591% | 6,300 |
| Core capital (leverage) ratio | 8.1807% | 6,053 |
| Tier 1 risk-based capital ratio | 11.6265% | 5,309 |
| Total risk-based capital ratio | 12.8169% | 5,309 |
| Memoranda: | ||
| Average total assets | $82,440,500 | 5,677 |
| Average earning assets | $76,360,000 | 5,618 |
| Average equity | $6,251,750 | 6,573 |
| Average total loans | $54,352,000 | 5,543 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9827% | 2,255 |
| Cost of funding earning assets | 1.8620% | 4,458 |
| Net interest margin | 4.1207% | 2,252 |
| Noninterest income to average assets | 0.6683% | 3,206 |
| Noninterest expense to average assets | 3.0014% | 4,079 |
| Loan and lease loss provision to assets | 0.0729% | 6,464 |
| Net operating income to assets | 1.4023% | 1,029 |
| Return on assets (ROA) | 1.5262% | 847 |
| Pretax return on assets | 1.5311% | 1,370 |
| Return on Equity (ROE) | 20.9380% | 284 |
| Retained earnings to average equity (ytd only) | 20.9380% | 64 |
| Net charge-offs to loans | 0.0591% | 5,671 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 38.0625% | 840 |
| Efficiency ratio | 66.5944% | 5,439 |
| Assets per employee ($millions) | 3.6103% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 5,093 |
| Loan loss allowance to noncurrent loans | 683.1579% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 7,280 |
| Noncurrent loans to loans | 0.1724% | 7,090 |
| Net loans and leases to total assets | 65.5856% | 4,650 |
| Net loans and leases to deposits | 71.6536% | 5,786 |
| Net loans and leases to core deposits | 118.2880% | 2,522 |
| Total domestic deposits to total assets | 91.5316% | 316 |
| Equity capital to assets | 7.9265% | 6,835 |
| Core capital (leverage) ratio | 7.6703% | 6,801 |
| Tier 1 risk-based capital ratio | 11.1046% | 5,769 |
| Total risk-based capital ratio | 12.2187% | 5,844 |
| Memoranda: | ||
| Average total assets | $82,293,670 | 5,723 |
| Average earning assets | $76,152,670 | 5,664 |
| Average equity | $5,998,670 | 6,717 |
| Average total loans | $54,163,330 | 5,596 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0496% | 2,155 |
| Cost of funding earning assets | 1.9024% | 4,621 |
| Net interest margin | 4.1472% | 2,098 |
| Noninterest income to average assets | 0.6396% | 3,274 |
| Noninterest expense to average assets | 3.0273% | 3,648 |
| Loan and lease loss provision to assets | 0.0732% | 6,039 |
| Net operating income to assets | 1.3769% | 1,189 |
| Return on assets (ROA) | 1.5478% | 933 |
| Pretax return on assets | 1.5527% | 1,528 |
| Return on Equity (ROE) | 22.2183% | 297 |
| Retained earnings to average equity (ytd only) | 22.2183% | 127 |
| Net charge-offs to loans | -0.0149% | 7,371 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1024% | 5,125 |
| Assets per employee ($millions) | 3.4740% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 4,859 |
| Loan loss allowance to noncurrent loans | 582.1429% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 7,183 |
| Noncurrent loans to loans | 0.2048% | 6,947 |
| Net loans and leases to total assets | 64.8124% | 4,841 |
| Net loans and leases to deposits | 70.2915% | 5,951 |
| Net loans and leases to core deposits | 122.5546% | 2,201 |
| Total domestic deposits to total assets | 92.2052% | 155 |
| Equity capital to assets | 7.3642% | 7,442 |
| Core capital (leverage) ratio | 7.4837% | 7,180 |
| Tier 1 risk-based capital ratio | 10.6208% | 6,273 |
| Total risk-based capital ratio | 11.7464% | 6,311 |
| Memoranda: | ||
| Average total assets | $81,921,500 | 5,758 |
| Average earning assets | $75,906,000 | 5,701 |
| Average equity | $5,707,000 | 6,875 |
| Average total loans | $53,690,000 | 5,647 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3853% | 3,494 |
| Cost of funding earning assets | 2.6177% | 3,591 |
| Net interest margin | 3.7676% | 4,145 |
| Noninterest income to average assets | 0.7762% | 2,638 |
| Noninterest expense to average assets | 2.7601% | 5,006 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4557% | 1,113 |
| Return on assets (ROA) | 1.3998% | 1,183 |
| Pretax return on assets | 1.3998% | 1,974 |
| Return on Equity (ROE) | 20.3207% | 347 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | -0.0021% | 7,745 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0468% | 5,315 |
| Assets per employee ($millions) | 3.4986% | 4,662 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 4,489 |
| Loan loss allowance to noncurrent loans | 635.0000% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 7,079 |
| Noncurrent loans to loans | 0.1898% | 6,822 |
| Net loans and leases to total assets | 64.6911% | 5,130 |
| Net loans and leases to deposits | 69.6686% | 6,305 |
| Net loans and leases to core deposits | 116.0129% | 3,119 |
| Total domestic deposits to total assets | 92.8555% | 64 |
| Equity capital to assets | 6.5542% | 7,920 |
| Core capital (leverage) ratio | 6.8961% | 7,761 |
| Tier 1 risk-based capital ratio | 10.0303% | 6,702 |
| Total risk-based capital ratio | 11.0529% | 6,846 |
| Memoranda: | ||
| Average total assets | $78,585,200 | 5,746 |
| Average earning assets | $71,743,400 | 5,750 |
| Average equity | $5,413,200 | 7,013 |
| Average total loans | $47,192,600 | 5,814 |