Home > The First Bank of Okarche > Performance and Condition Ratios
The First Bank of Okarche, 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 | 4.1574% | 3,710 |
| Cost of funding earning assets | 0.4013% | 4,294 |
| Net interest margin | 3.7560% | 1,635 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.2348% | 4,456 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.4395% | 254 |
| Return on assets (ROA) | 2.4395% | 246 |
| Pretax return on assets | 2.4395% | 359 |
| Return on Equity (ROE) | 20.6800% | 556 |
| Retained earnings to average equity (ytd only) | 9.4117% | 1,153 |
| Net charge-offs to loans | 0.1457% | 702 |
| Credit loss provision to net charge-offs | 263.1579% | 1,035 |
| Earnings coverage of net charge-offs (x) | 62.5263% | 1,163 |
| Efficiency ratio | 32.6531% | 4,477 |
| Assets per employee ($millions) | 19.6857% | 101 |
| Cash dividends to net income (ytd only)* | 54.4815% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 761 |
| Loan loss allowance to noncurrent loans | 1,843.1818% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,441 |
| Noncurrent loans to loans | 0.0895% | 3,095 |
| Net loans and leases to total assets | 35.0800% | 4,182 |
| Net loans and leases to deposits | 40.3269% | 4,193 |
| Net loans and leases to core deposits | 41.9948% | 4,258 |
| Total domestic deposits to total assets | 86.9900% | 1,687 |
| Equity capital to assets | 12.2424% | 1,051 |
| Core capital (leverage) ratio | 12.4511% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $139,945,200 | 3,459 |
| Average earning assets | $134,796,400 | 3,393 |
| Average equity | $16,511,400 | 3,137 |
| Average total loans | $39,114,600 | 4,009 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 3,689 |
| Cost of funding earning assets | 0.3466% | 4,318 |
| Net interest margin | 3.7357% | 1,712 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.1997% | 4,481 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 2.4610% | 279 |
| Return on assets (ROA) | 2.4610% | 272 |
| Pretax return on assets | 2.4610% | 394 |
| Return on Equity (ROE) | 21.0500% | 635 |
| Retained earnings to average equity (ytd only) | 18.1300% | 333 |
| Net charge-offs to loans | 0.2076% | 424 |
| Credit loss provision to net charge-offs | 184.2105% | 1,176 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 1,344 |
| Efficiency ratio | 31.9031% | 4,502 |
| Assets per employee ($millions) | 19.5250% | 102 |
| Cash dividends to net income (ytd only)* | 13.8835% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 367 |
| Loan loss allowance to noncurrent loans | 2,641.3793% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,610 |
| Noncurrent loans to loans | 0.0772% | 3,205 |
| Net loans and leases to total assets | 26.9400% | 4,363 |
| Net loans and leases to deposits | 31.1625% | 4,366 |
| Net loans and leases to core deposits | 32.4706% | 4,361 |
| Total domestic deposits to total assets | 86.4500% | 2,057 |
| Equity capital to assets | 12.8392% | 846 |
| Core capital (leverage) ratio | 12.5449% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1835% | 246 |
| Memoranda: | ||
| Average total assets | $140,481,500 | 3,462 |
| Average earning assets | $135,412,250 | 3,397 |
| Average equity | $16,421,750 | 3,132 |
| Average total loans | $36,605,750 | 4,058 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 3,722 |
| Cost of funding earning assets | 0.2843% | 4,338 |
| Net interest margin | 3.6991% | 1,814 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.2374% | 4,506 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 2.4423% | 259 |
| Return on assets (ROA) | 2.4423% | 254 |
| Pretax return on assets | 2.4423% | 381 |
| Return on Equity (ROE) | 21.5800% | 574 |
| Retained earnings to average equity (ytd only) | 18.5837% | 310 |
| Net charge-offs to loans | -0.0606% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 33.2449% | 4,515 |
| Assets per employee ($millions) | 19.8491% | 95 |
| Cash dividends to net income (ytd only)* | 13.8648% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0307% | 396 |
| Loan loss allowance to noncurrent loans | 75,900.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,904 |
| Noncurrent loans to loans | 0.0027% | 3,815 |
| Net loans and leases to total assets | 26.3500% | 4,388 |
| Net loans and leases to deposits | 30.2003% | 4,397 |
| Net loans and leases to core deposits | 31.3531% | 4,392 |
| Total domestic deposits to total assets | 87.2600% | 1,842 |
| Equity capital to assets | 12.0955% | 1,022 |
| Core capital (leverage) ratio | 11.9764% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $141,750,333 | 3,460 |
| Average earning assets | $136,465,667 | 3,399 |
| Average equity | $16,046,333 | 3,181 |
| Average total loans | $36,279,000 | 4,079 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 3,773 |
| Cost of funding earning assets | 0.2321% | 4,325 |
| Net interest margin | 3.6122% | 2,100 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.2909% | 4,542 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 2.2996% | 321 |
| Return on assets (ROA) | 2.2996% | 322 |
| Pretax return on assets | 2.2996% | 489 |
| Return on Equity (ROE) | 21.0100% | 661 |
| Retained earnings to average equity (ytd only) | 17.9491% | 516 |
| Net charge-offs to loans | -0.1231% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 35.5385% | 4,546 |
| Assets per employee ($millions) | 17.8431% | 126 |
| Cash dividends to net income (ytd only)* | 14.5808% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 419 |
| Loan loss allowance to noncurrent loans | 5,314.2857% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,769 |
| Noncurrent loans to loans | 0.0380% | 3,474 |
| Net loans and leases to total assets | 25.2900% | 4,462 |
| Net loans and leases to deposits | 28.6866% | 4,472 |
| Net loans and leases to core deposits | 29.5697% | 4,466 |
| Total domestic deposits to total assets | 88.1600% | 1,869 |
| Equity capital to assets | 11.2214% | 1,260 |
| Core capital (leverage) ratio | 11.4218% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $143,153,500 | 3,490 |
| Average earning assets | $137,868,000 | 3,432 |
| Average equity | $15,666,500 | 3,245 |
| Average total loans | $35,730,500 | 4,138 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9776% | 4,161 |
| Cost of funding earning assets | 0.0604% | 4,544 |
| Net interest margin | 2.9172% | 3,641 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 1.2572% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9649% | 322 |
| Return on assets (ROA) | 1.9649% | 307 |
| Pretax return on assets | 1.9649% | 514 |
| Return on Equity (ROE) | 18.6300% | 616 |
| Retained earnings to average equity (ytd only) | 9.0531% | 1,465 |
| Net charge-offs to loans | 0.0962% | 750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 83.1212% | 1,073 |
| Efficiency ratio | 39.0173% | 4,561 |
| Assets per employee ($millions) | 17.9453% | 120 |
| Cash dividends to net income (ytd only)* | 51.4036% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0742% | 382 |
| Loan loss allowance to noncurrent loans | 5,128.5714% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,796 |
| Noncurrent loans to loans | 0.0404% | 3,483 |
| Net loans and leases to total assets | 23.6100% | 4,515 |
| Net loans and leases to deposits | 26.6019% | 4,515 |
| Net loans and leases to core deposits | 27.4767% | 4,512 |
| Total domestic deposits to total assets | 88.7600% | 1,794 |
| Equity capital to assets | 10.6679% | 1,388 |
| Core capital (leverage) ratio | 10.7019% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $139,599,400 | 3,535 |
| Average earning assets | $134,068,400 | 3,485 |
| Average equity | $14,724,200 | 3,393 |
| Average total loans | $34,317,400 | 4,162 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7708% | 4,223 |
| Cost of funding earning assets | 0.0541% | 4,557 |
| Net interest margin | 2.7167% | 3,895 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.1976% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5612% | 722 |
| Return on assets (ROA) | 1.5612% | 701 |
| Pretax return on assets | 1.5612% | 1,227 |
| Return on Equity (ROE) | 14.8500% | 1,210 |
| Retained earnings to average equity (ytd only) | 11.5526% | 904 |
| Net charge-offs to loans | 0.1207% | 522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 52.3548% | 1,258 |
| Efficiency ratio | 43.4100% | 4,479 |
| Assets per employee ($millions) | 17.7255% | 129 |
| Cash dividends to net income (ytd only)* | 22.1811% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2772% | 309 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,219 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 21.7900% | 4,571 |
| Net loans and leases to deposits | 24.5675% | 4,578 |
| Net loans and leases to core deposits | 25.4699% | 4,567 |
| Total domestic deposits to total assets | 88.6900% | 2,219 |
| Equity capital to assets | 10.7500% | 1,270 |
| Core capital (leverage) ratio | 10.8250% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $138,608,750 | 3,569 |
| Average earning assets | $133,052,500 | 3,514 |
| Average equity | $14,576,500 | 3,457 |
| Average total loans | $34,242,750 | 4,190 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6477% | 4,221 |
| Cost of funding earning assets | 0.0470% | 4,615 |
| Net interest margin | 2.6006% | 3,909 |
| Noninterest income to average assets | 0.1498% | 4,262 |
| Noninterest expense to average assets | 1.1982% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4439% | 807 |
| Return on assets (ROA) | 1.4439% | 790 |
| Pretax return on assets | 1.4439% | 1,325 |
| Return on Equity (ROE) | 13.8359% | 1,152 |
| Retained earnings to average equity (ytd only) | 10.4918% | 907 |
| Net charge-offs to loans | 0.0285% | 1,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 198.6000% | 541 |
| Efficiency ratio | 45.3495% | 4,479 |
| Assets per employee ($millions) | 17.5126% | 130 |
| Cash dividends to net income (ytd only)* | 24.1692% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2675% | 343 |
| Loan loss allowance to noncurrent loans | 2,869.2308% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 3,119 |
| Noncurrent loans to loans | 0.0790% | 3,386 |
| Net loans and leases to total assets | 22.9499% | 4,616 |
| Net loans and leases to deposits | 25.8039% | 4,621 |
| Net loans and leases to core deposits | 26.7832% | 4,616 |
| Total domestic deposits to total assets | 88.9394% | 2,211 |
| Equity capital to assets | 10.5174% | 1,420 |
| Core capital (leverage) ratio | 10.7596% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,543,667 | 3,624 |
| Average earning assets | $131,813,333 | 3,577 |
| Average equity | $14,354,000 | 3,553 |
| Average total loans | $35,117,667 | 4,231 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6691% | 4,001 |
| Cost of funding earning assets | 0.0459% | 4,627 |
| Net interest margin | 2.6232% | 3,604 |
| Noninterest income to average assets | 0.1468% | 4,278 |
| Noninterest expense to average assets | 1.2476% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4178% | 763 |
| Return on assets (ROA) | 1.4178% | 759 |
| Pretax return on assets | 1.4178% | 1,207 |
| Return on Equity (ROE) | 13.6407% | 904 |
| Retained earnings to average equity (ytd only) | 10.2517% | 963 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8062% | 4,462 |
| Assets per employee ($millions) | 17.3261% | 138 |
| Cash dividends to net income (ytd only)* | 24.8447% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1508% | 481 |
| Loan loss allowance to noncurrent loans | 6,827.2727% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,307 |
| Noncurrent loans to loans | 0.0315% | 3,761 |
| Net loans and leases to total assets | 24.6499% | 4,606 |
| Net loans and leases to deposits | 27.6589% | 4,607 |
| Net loans and leases to core deposits | 28.7180% | 4,604 |
| Total domestic deposits to total assets | 89.1212% | 2,020 |
| Equity capital to assets | 10.3493% | 1,658 |
| Core capital (leverage) ratio | 10.7054% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,265,000 | 3,656 |
| Average earning assets | $130,830,500 | 3,603 |
| Average equity | $14,163,500 | 3,638 |
| Average total loans | $36,227,000 | 4,224 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7628% | 4,253 |
| Cost of funding earning assets | 0.0791% | 4,535 |
| Net interest margin | 2.6838% | 3,904 |
| Noninterest income to average assets | 0.1745% | 4,283 |
| Noninterest expense to average assets | 1.3785% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3573% | 1,417 |
| Return on assets (ROA) | 1.3573% | 1,463 |
| Pretax return on assets | 1.3573% | 2,182 |
| Return on Equity (ROE) | 12.7505% | 1,546 |
| Retained earnings to average equity (ytd only) | 7.4347% | 1,749 |
| Net charge-offs to loans | 0.1470% | 647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 31.9815% | 1,564 |
| Efficiency ratio | 50.3878% | 4,257 |
| Assets per employee ($millions) | 16.7401% | 162 |
| Cash dividends to net income (ytd only)* | 41.6908% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 605 |
| Loan loss allowance to noncurrent loans | 37,550.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,388 |
| Noncurrent loans to loans | 0.0053% | 4,070 |
| Net loans and leases to total assets | 27.4677% | 4,581 |
| Net loans and leases to deposits | 30.8527% | 4,607 |
| Net loans and leases to core deposits | 32.0782% | 4,605 |
| Total domestic deposits to total assets | 89.0286% | 1,501 |
| Equity capital to assets | 10.4405% | 2,229 |
| Core capital (leverage) ratio | 10.4295% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,241,600 | 3,717 |
| Average earning assets | $121,434,400 | 3,673 |
| Average equity | $13,544,600 | 3,786 |
| Average total loans | $36,725,000 | 4,255 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7631% | 4,344 |
| Cost of funding earning assets | 0.0869% | 4,596 |
| Net interest margin | 2.6762% | 4,018 |
| Noninterest income to average assets | 0.1741% | 4,337 |
| Noninterest expense to average assets | 1.3272% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3973% | 1,554 |
| Return on assets (ROA) | 1.3973% | 1,613 |
| Pretax return on assets | 1.3973% | 2,343 |
| Return on Equity (ROE) | 13.0598% | 1,674 |
| Retained earnings to average equity (ytd only) | 9.4872% | 1,494 |
| Net charge-offs to loans | 0.2008% | 419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 23.9273% | 1,654 |
| Efficiency ratio | 48.7140% | 4,320 |
| Assets per employee ($millions) | 16.3299% | 162 |
| Cash dividends to net income (ytd only)* | 27.3556% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4018% | 335 |
| Loan loss allowance to noncurrent loans | 37,550.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 3,498 |
| Noncurrent loans to loans | 0.0064% | 4,159 |
| Net loans and leases to total assets | 23.3598% | 4,753 |
| Net loans and leases to deposits | 26.3189% | 4,761 |
| Net loans and leases to core deposits | 27.3948% | 4,764 |
| Total domestic deposits to total assets | 88.7568% | 1,428 |
| Equity capital to assets | 10.6637% | 2,302 |
| Core capital (leverage) ratio | 10.7347% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,571,750 | 3,774 |
| Average earning assets | $119,667,250 | 3,727 |
| Average equity | $13,435,250 | 3,845 |
| Average total loans | $36,522,250 | 4,314 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7718% | 4,384 |
| Cost of funding earning assets | 0.1001% | 4,585 |
| Net interest margin | 2.6717% | 4,037 |
| Noninterest income to average assets | 0.1808% | 4,299 |
| Noninterest expense to average assets | 1.3432% | 4,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3803% | 1,629 |
| Return on assets (ROA) | 1.3803% | 1,700 |
| Pretax return on assets | 1.3803% | 2,391 |
| Return on Equity (ROE) | 12.8862% | 1,760 |
| Retained earnings to average equity (ytd only) | 9.2690% | 1,631 |
| Net charge-offs to loans | 0.2770% | 319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 16.1321% | 1,611 |
| Efficiency ratio | 49.3183% | 4,287 |
| Assets per employee ($millions) | 14.2526% | 225 |
| Cash dividends to net income (ytd only)* | 28.0702% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1839% | 441 |
| Loan loss allowance to noncurrent loans | 37,600.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 3,553 |
| Noncurrent loans to loans | 0.0058% | 4,225 |
| Net loans and leases to total assets | 26.2581% | 4,744 |
| Net loans and leases to deposits | 29.5788% | 4,762 |
| Net loans and leases to core deposits | 30.6707% | 4,766 |
| Total domestic deposits to total assets | 88.7732% | 1,403 |
| Equity capital to assets | 10.5946% | 2,319 |
| Core capital (leverage) ratio | 10.7009% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,882,667 | 3,813 |
| Average earning assets | $117,901,000 | 3,759 |
| Average equity | $13,270,000 | 3,867 |
| Average total loans | $38,273,667 | 4,320 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7197% | 4,456 |
| Cost of funding earning assets | 0.1175% | 4,536 |
| Net interest margin | 2.6022% | 4,147 |
| Noninterest income to average assets | 0.2005% | 4,184 |
| Noninterest expense to average assets | 1.3872% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2885% | 1,863 |
| Return on assets (ROA) | 1.2885% | 1,933 |
| Pretax return on assets | 1.2885% | 2,598 |
| Return on Equity (ROE) | 11.9603% | 2,031 |
| Retained earnings to average equity (ytd only) | 8.2990% | 2,155 |
| Net charge-offs to loans | 0.4478% | 185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 8.7111% | 1,564 |
| Efficiency ratio | 51.8428% | 4,008 |
| Assets per employee ($millions) | 13.8508% | 244 |
| Cash dividends to net income (ytd only)* | 30.6122% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9072% | 733 |
| Loan loss allowance to noncurrent loans | 873.5632% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 3,235 |
| Noncurrent loans to loans | 0.2183% | 3,322 |
| Net loans and leases to total assets | 31.3564% | 4,652 |
| Net loans and leases to deposits | 35.3315% | 4,695 |
| Net loans and leases to core deposits | 36.6748% | 4,698 |
| Total domestic deposits to total assets | 88.7491% | 1,468 |
| Equity capital to assets | 10.6260% | 2,148 |
| Core capital (leverage) ratio | 11.0227% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,687,500 | 3,838 |
| Average earning assets | $115,749,500 | 3,786 |
| Average equity | $13,110,000 | 3,892 |
| Average total loans | $40,193,500 | 4,300 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8720% | 4,716 |
| Cost of funding earning assets | 0.2591% | 4,341 |
| Net interest margin | 2.6129% | 4,486 |
| Noninterest income to average assets | 0.1807% | 4,381 |
| Noninterest expense to average assets | 1.4701% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1990% | 1,558 |
| Return on assets (ROA) | 1.1990% | 1,661 |
| Pretax return on assets | 1.1990% | 2,327 |
| Return on Equity (ROE) | 10.6414% | 1,761 |
| Retained earnings to average equity (ytd only) | 3.8170% | 2,909 |
| Net charge-offs to loans | 0.0370% | 2,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 98.5714% | 791 |
| Efficiency ratio | 55.0781% | 4,086 |
| Assets per employee ($millions) | 13.1909% | 254 |
| Cash dividends to net income (ytd only)* | 64.1304% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9857% | 608 |
| Loan loss allowance to noncurrent loans | 725.2252% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 3,163 |
| Noncurrent loans to loans | 0.2738% | 3,211 |
| Net loans and leases to total assets | 33.4692% | 4,664 |
| Net loans and leases to deposits | 37.8117% | 4,703 |
| Net loans and leases to core deposits | 39.2117% | 4,715 |
| Total domestic deposits to total assets | 88.5156% | 1,218 |
| Equity capital to assets | 10.9284% | 2,319 |
| Core capital (leverage) ratio | 10.8149% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,096,800 | 3,808 |
| Average earning assets | $109,611,600 | 3,773 |
| Average equity | $12,968,200 | 3,865 |
| Average total loans | $37,832,400 | 4,356 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0626% | 4,691 |
| Cost of funding earning assets | 0.2820% | 4,383 |
| Net interest margin | 2.7806% | 4,367 |
| Noninterest income to average assets | 0.1740% | 4,423 |
| Noninterest expense to average assets | 1.4186% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4035% | 1,093 |
| Return on assets (ROA) | 1.4035% | 1,190 |
| Pretax return on assets | 1.4035% | 1,723 |
| Return on Equity (ROE) | 12.3595% | 1,286 |
| Retained earnings to average equity (ytd only) | 8.6578% | 1,091 |
| Net charge-offs to loans | -0.0789% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2689% | 4,474 |
| Assets per employee ($millions) | 13.2574% | 239 |
| Cash dividends to net income (ytd only)* | 29.9501% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4596% | 243 |
| Loan loss allowance to noncurrent loans | 885.2632% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 3,392 |
| Noncurrent loans to loans | 0.2778% | 3,296 |
| Net loans and leases to total assets | 27.9524% | 4,851 |
| Net loans and leases to deposits | 31.6574% | 4,883 |
| Net loans and leases to core deposits | 32.8248% | 4,881 |
| Total domestic deposits to total assets | 88.2967% | 1,063 |
| Equity capital to assets | 11.1652% | 2,270 |
| Core capital (leverage) ratio | 11.7553% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,191,500 | 3,814 |
| Average earning assets | $108,751,000 | 3,779 |
| Average equity | $12,966,750 | 3,874 |
| Average total loans | $37,155,750 | 4,398 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 4,528 |
| Cost of funding earning assets | 0.3174% | 4,406 |
| Net interest margin | 3.0921% | 3,912 |
| Noninterest income to average assets | 0.1689% | 4,447 |
| Noninterest expense to average assets | 1.4207% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6927% | 630 |
| Return on assets (ROA) | 1.6927% | 681 |
| Pretax return on assets | 1.6927% | 1,014 |
| Return on Equity (ROE) | 14.8190% | 735 |
| Retained earnings to average equity (ytd only) | 11.0831% | 588 |
| Net charge-offs to loans | -0.3723% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6311% | 4,747 |
| Assets per employee ($millions) | 12.8579% | 259 |
| Cash dividends to net income (ytd only)* | 25.2101% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4969% | 224 |
| Loan loss allowance to noncurrent loans | 618.0556% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 3,249 |
| Noncurrent loans to loans | 0.4040% | 2,959 |
| Net loans and leases to total assets | 30.0326% | 4,856 |
| Net loans and leases to deposits | 34.1043% | 4,884 |
| Net loans and leases to core deposits | 35.4062% | 4,888 |
| Total domestic deposits to total assets | 88.0609% | 1,140 |
| Equity capital to assets | 11.3998% | 2,042 |
| Core capital (leverage) ratio | 11.1892% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,483,000 | 3,827 |
| Average earning assets | $107,110,667 | 3,786 |
| Average equity | $12,848,333 | 3,890 |
| Average total loans | $38,143,333 | 4,384 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6542% | 4,466 |
| Cost of funding earning assets | 0.3677% | 4,467 |
| Net interest margin | 3.2865% | 3,625 |
| Noninterest income to average assets | 0.1876% | 4,426 |
| Noninterest expense to average assets | 1.4576% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8581% | 363 |
| Return on assets (ROA) | 1.8581% | 402 |
| Pretax return on assets | 1.8581% | 615 |
| Return on Equity (ROE) | 16.2505% | 398 |
| Retained earnings to average equity (ytd only) | 12.4640% | 375 |
| Net charge-offs to loans | -1.3810% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9608% | 4,882 |
| Assets per employee ($millions) | 12.6210% | 206 |
| Cash dividends to net income (ytd only)* | 23.3010% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3813% | 293 |
| Loan loss allowance to noncurrent loans | 452.6066% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 3,086 |
| Noncurrent loans to loans | 0.5261% | 2,683 |
| Net loans and leases to total assets | 34.4655% | 4,821 |
| Net loans and leases to deposits | 39.1083% | 4,850 |
| Net loans and leases to core deposits | 40.5009% | 4,873 |
| Total domestic deposits to total assets | 88.1283% | 1,055 |
| Equity capital to assets | 11.3338% | 2,558 |
| Core capital (leverage) ratio | 11.6343% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,864,000 | 3,834 |
| Average earning assets | $105,523,000 | 3,791 |
| Average equity | $12,676,500 | 3,920 |
| Average total loans | $39,393,000 | 4,389 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 4,281 |
| Cost of funding earning assets | 0.3480% | 4,599 |
| Net interest margin | 3.6432% | 2,986 |
| Noninterest income to average assets | 0.2040% | 4,443 |
| Noninterest expense to average assets | 1.4942% | 5,009 |
| Loan and lease loss provision to assets | 0.0655% | 2,709 |
| Net operating income to assets | 2.1023% | 273 |
| Return on assets (ROA) | 2.1023% | 285 |
| Pretax return on assets | 2.1023% | 476 |
| Return on Equity (ROE) | 18.3022% | 319 |
| Retained earnings to average equity (ytd only) | 8.0393% | 965 |
| Net charge-offs to loans | 0.1476% | 1,337 |
| Credit loss provision to net charge-offs | 122.8070% | 2,071 |
| Earnings coverage of net charge-offs (x) | 40.6491% | 1,306 |
| Efficiency ratio | 40.8022% | 5,052 |
| Assets per employee ($millions) | 13.5174% | 166 |
| Cash dividends to net income (ytd only)* | 56.0748% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1173% | 387 |
| Loan loss allowance to noncurrent loans | 274.8322% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 2,593 |
| Noncurrent loans to loans | 0.7704% | 1,973 |
| Net loans and leases to total assets | 35.0133% | 4,870 |
| Net loans and leases to deposits | 39.8327% | 4,909 |
| Net loans and leases to core deposits | 41.4202% | 4,918 |
| Total domestic deposits to total assets | 87.9008% | 1,175 |
| Equity capital to assets | 11.5398% | 2,501 |
| Core capital (leverage) ratio | 11.4211% | 2,174 |
| Tier 1 risk-based capital ratio | 25.6875% | 702 |
| Total risk-based capital ratio | 26.9411% | 685 |
| Memoranda: | ||
| Average total assets | $106,882,800 | 3,878 |
| Average earning assets | $101,450,000 | 3,845 |
| Average equity | $12,277,200 | 3,965 |
| Average total loans | $38,627,600 | 4,435 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 4,288 |
| Cost of funding earning assets | 0.3370% | 4,702 |
| Net interest margin | 3.6999% | 2,923 |
| Noninterest income to average assets | 0.1989% | 4,526 |
| Noninterest expense to average assets | 1.4113% | 5,106 |
| Loan and lease loss provision to assets | 0.0563% | 2,778 |
| Net operating income to assets | 2.2345% | 259 |
| Return on assets (ROA) | 2.2345% | 267 |
| Pretax return on assets | 2.2345% | 426 |
| Return on Equity (ROE) | 19.4759% | 282 |
| Retained earnings to average equity (ytd only) | 15.5502% | 121 |
| Net charge-offs to loans | -0.0069% | 4,289 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1210% | 5,153 |
| Assets per employee ($millions) | 13.8409% | 148 |
| Cash dividends to net income (ytd only)* | 20.1569% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3955% | 252 |
| Loan loss allowance to noncurrent loans | 424.3781% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 3,056 |
| Noncurrent loans to loans | 0.5645% | 2,605 |
| Net loans and leases to total assets | 31.3889% | 5,031 |
| Net loans and leases to deposits | 35.7410% | 5,066 |
| Net loans and leases to core deposits | 36.9407% | 5,070 |
| Total domestic deposits to total assets | 87.8232% | 1,121 |
| Equity capital to assets | 11.6674% | 2,543 |
| Core capital (leverage) ratio | 11.7764% | 2,021 |
| Tier 1 risk-based capital ratio | 25.1739% | 760 |
| Total risk-based capital ratio | 26.4288% | 746 |
| Memoranda: | ||
| Average total assets | $106,568,750 | 3,925 |
| Average earning assets | $100,901,000 | 3,896 |
| Average equity | $12,226,750 | 4,001 |
| Average total loans | $38,614,000 | 4,489 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 4,083 |
| Cost of funding earning assets | 0.3253% | 4,751 |
| Net interest margin | 3.8087% | 2,558 |
| Noninterest income to average assets | 0.1978% | 4,574 |
| Noninterest expense to average assets | 1.4052% | 5,157 |
| Loan and lease loss provision to assets | 0.0190% | 3,410 |
| Net operating income to assets | 2.3806% | 183 |
| Return on assets (ROA) | 2.3806% | 189 |
| Pretax return on assets | 2.3806% | 299 |
| Return on Equity (ROE) | 20.8736% | 208 |
| Retained earnings to average equity (ytd only) | 16.8723% | 109 |
| Net charge-offs to loans | -0.0101% | 4,332 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9315% | 5,202 |
| Assets per employee ($millions) | 13.3513% | 152 |
| Cash dividends to net income (ytd only)* | 19.1693% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2160% | 327 |
| Loan loss allowance to noncurrent loans | 406.9652% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 2,944 |
| Noncurrent loans to loans | 0.5445% | 2,636 |
| Net loans and leases to total assets | 33.7937% | 5,032 |
| Net loans and leases to deposits | 38.4923% | 5,071 |
| Net loans and leases to core deposits | 39.8338% | 5,082 |
| Total domestic deposits to total assets | 87.7933% | 1,197 |
| Equity capital to assets | 11.7068% | 2,438 |
| Core capital (leverage) ratio | 11.8381% | 1,922 |
| Tier 1 risk-based capital ratio | 22.6863% | 974 |
| Total risk-based capital ratio | 23.9382% | 959 |
| Memoranda: | ||
| Average total assets | $105,182,670 | 3,975 |
| Average earning assets | $99,613,670 | 3,932 |
| Average equity | $11,996,000 | 4,047 |
| Average total loans | $39,615,670 | 4,508 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 4,120 |
| Cost of funding earning assets | 0.2996% | 4,849 |
| Net interest margin | 3.8023% | 2,517 |
| Noninterest income to average assets | 0.1916% | 4,607 |
| Noninterest expense to average assets | 1.4142% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3762% | 200 |
| Return on assets (ROA) | 2.3762% | 212 |
| Pretax return on assets | 2.3762% | 310 |
| Return on Equity (ROE) | 21.1208% | 206 |
| Retained earnings to average equity (ytd only) | 17.0329% | 181 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3104% | 5,250 |
| Assets per employee ($millions) | 13.2550% | 158 |
| Cash dividends to net income (ytd only)* | 19.3548% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9915% | 510 |
| Loan loss allowance to noncurrent loans | 401.4925% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 2,943 |
| Noncurrent loans to loans | 0.4960% | 2,827 |
| Net loans and leases to total assets | 37.4538% | 4,971 |
| Net loans and leases to deposits | 42.4520% | 5,028 |
| Net loans and leases to core deposits | 43.8129% | 5,048 |
| Total domestic deposits to total assets | 88.2261% | 1,224 |
| Equity capital to assets | 11.3089% | 2,552 |
| Core capital (leverage) ratio | 11.6986% | 1,984 |
| Tier 1 risk-based capital ratio | 21.4914% | 1,109 |
| Total risk-based capital ratio | 22.7423% | 1,089 |
| Memoranda: | ||
| Average total assets | $104,369,000 | 4,032 |
| Average earning assets | $98,782,000 | 3,989 |
| Average equity | $11,742,000 | 4,097 |
| Average total loans | $40,967,000 | 4,514 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 4,238 |
| Cost of funding earning assets | 0.2392% | 4,859 |
| Net interest margin | 3.6775% | 3,129 |
| Noninterest income to average assets | 0.2113% | 4,645 |
| Noninterest expense to average assets | 1.5858% | 5,174 |
| Loan and lease loss provision to assets | 0.0399% | 3,395 |
| Net operating income to assets | 2.0493% | 320 |
| Return on assets (ROA) | 2.0493% | 322 |
| Pretax return on assets | 2.0493% | 499 |
| Return on Equity (ROE) | 18.1222% | 380 |
| Retained earnings to average equity (ytd only) | 7.0162% | 1,666 |
| Net charge-offs to loans | -0.0104% | 4,499 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1516% | 5,206 |
| Assets per employee ($millions) | 11.4109% | 233 |
| Cash dividends to net income (ytd only)* | 61.2840% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9463% | 528 |
| Loan loss allowance to noncurrent loans | 400.9950% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 2,792 |
| Noncurrent loans to loans | 0.4854% | 2,819 |
| Net loans and leases to total assets | 39.5383% | 4,964 |
| Net loans and leases to deposits | 44.7522% | 5,013 |
| Net loans and leases to core deposits | 46.2166% | 5,031 |
| Total domestic deposits to total assets | 88.3493% | 1,137 |
| Equity capital to assets | 11.1901% | 2,522 |
| Core capital (leverage) ratio | 11.2415% | 2,315 |
| Tier 1 risk-based capital ratio | 18.9287% | 1,533 |
| Total risk-based capital ratio | 20.1789% | 1,490 |
| Memoranda: | ||
| Average total assets | $100,325,400 | 4,093 |
| Average earning assets | $94,494,400 | 4,055 |
| Average equity | $11,345,200 | 4,112 |
| Average total loans | $38,614,800 | 4,594 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 4,287 |
| Cost of funding earning assets | 0.2273% | 4,907 |
| Net interest margin | 3.6389% | 3,233 |
| Noninterest income to average assets | 0.2085% | 4,715 |
| Noninterest expense to average assets | 1.4706% | 5,296 |
| Loan and lease loss provision to assets | 0.0535% | 2,906 |
| Net operating income to assets | 2.1083% | 307 |
| Return on assets (ROA) | 2.1083% | 303 |
| Pretax return on assets | 2.1083% | 474 |
| Return on Equity (ROE) | 18.5932% | 375 |
| Retained earnings to average equity (ytd only) | 14.3488% | 215 |
| Net charge-offs to loans | -0.0211% | 4,648 |
| Credit loss provision to net charge-offs | -666.6667% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4858% | 5,319 |
| Assets per employee ($millions) | 11.1514% | 238 |
| Cash dividends to net income (ytd only)* | 22.8283% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2115% | 356 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 2,784 |
| Noncurrent loans to loans | 0.5529% | 2,724 |
| Net loans and leases to total assets | 35.5998% | 5,154 |
| Net loans and leases to deposits | 40.5947% | 5,193 |
| Net loans and leases to core deposits | 41.9645% | 5,198 |
| Total domestic deposits to total assets | 87.6957% | 1,397 |
| Equity capital to assets | 11.8699% | 1,990 |
| Core capital (leverage) ratio | 11.9548% | 1,813 |
| Tier 1 risk-based capital ratio | 21.2721% | 1,144 |
| Total risk-based capital ratio | 22.5238% | 1,128 |
| Memoranda: | ||
| Average total assets | $99,732,250 | 4,148 |
| Average earning assets | $93,836,750 | 4,111 |
| Average equity | $11,308,500 | 4,153 |
| Average total loans | $37,915,750 | 4,662 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8421% | 4,239 |
| Cost of funding earning assets | 0.2131% | 4,956 |
| Net interest margin | 3.6290% | 3,203 |
| Noninterest income to average assets | 0.2110% | 4,750 |
| Noninterest expense to average assets | 1.4449% | 5,370 |
| Loan and lease loss provision to assets | 0.0603% | 2,697 |
| Net operating income to assets | 2.1282% | 293 |
| Return on assets (ROA) | 2.1282% | 288 |
| Pretax return on assets | 2.1282% | 461 |
| Return on Equity (ROE) | 19.0691% | 329 |
| Retained earnings to average equity (ytd only) | 14.7475% | 216 |
| Net charge-offs to loans | -0.0208% | 4,589 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7677% | 5,407 |
| Assets per employee ($millions) | 10.8944% | 248 |
| Cash dividends to net income (ytd only)* | 22.6629% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1950% | 374 |
| Loan loss allowance to noncurrent loans | 396.5174% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 2,712 |
| Noncurrent loans to loans | 0.5536% | 2,754 |
| Net loans and leases to total assets | 36.2183% | 5,170 |
| Net loans and leases to deposits | 41.2336% | 5,214 |
| Net loans and leases to core deposits | 43.0188% | 5,216 |
| Total domestic deposits to total assets | 87.8368% | 1,457 |
| Equity capital to assets | 11.7440% | 2,021 |
| Core capital (leverage) ratio | 11.5121% | 2,066 |
| Tier 1 risk-based capital ratio | 20.4362% | 1,255 |
| Total risk-based capital ratio | 21.6874% | 1,233 |
| Memoranda: | ||
| Average total assets | $99,522,000 | 4,182 |
| Average earning assets | $93,856,000 | 4,147 |
| Average equity | $11,107,000 | 4,217 |
| Average total loans | $38,375,330 | 4,691 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 4,169 |
| Cost of funding earning assets | 0.1905% | 5,075 |
| Net interest margin | 3.6270% | 3,085 |
| Noninterest income to average assets | 0.2234% | 4,676 |
| Noninterest expense to average assets | 1.4722% | 5,418 |
| Loan and lease loss provision to assets | 0.0399% | 2,958 |
| Net operating income to assets | 2.1305% | 278 |
| Return on assets (ROA) | 2.1305% | 278 |
| Pretax return on assets | 2.1305% | 435 |
| Return on Equity (ROE) | 19.5909% | 281 |
| Retained earnings to average equity (ytd only) | 15.1885% | 316 |
| Net charge-offs to loans | -0.0305% | 4,747 |
| Credit loss provision to net charge-offs | -333.3333% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4162% | 5,449 |
| Assets per employee ($millions) | 12.7914% | 164 |
| Cash dividends to net income (ytd only)* | 22.4719% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9702% | 578 |
| Loan loss allowance to noncurrent loans | 385.5721% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5091% | 2,825 |
| Noncurrent loans to loans | 0.5110% | 2,987 |
| Net loans and leases to total assets | 37.6826% | 5,149 |
| Net loans and leases to deposits | 42.4484% | 5,203 |
| Net loans and leases to core deposits | 44.1859% | 5,205 |
| Total domestic deposits to total assets | 88.7727% | 1,220 |
| Equity capital to assets | 10.8569% | 2,718 |
| Core capital (leverage) ratio | 11.1970% | 2,252 |
| Tier 1 risk-based capital ratio | 18.9820% | 1,549 |
| Total risk-based capital ratio | 20.2327% | 1,517 |
| Memoranda: | ||
| Average total assets | $100,258,000 | 4,214 |
| Average earning assets | $94,512,500 | 4,180 |
| Average equity | $10,903,000 | 4,283 |
| Average total loans | $39,408,500 | 4,705 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7599% | 4,185 |
| Cost of funding earning assets | 0.1699% | 5,153 |
| Net interest margin | 3.5900% | 3,206 |
| Noninterest income to average assets | 0.2331% | 4,736 |
| Noninterest expense to average assets | 1.6050% | 5,411 |
| Loan and lease loss provision to assets | 0.0108% | 4,065 |
| Net operating income to assets | 1.9699% | 298 |
| Return on assets (ROA) | 1.9699% | 304 |
| Pretax return on assets | 1.9699% | 527 |
| Return on Equity (ROE) | 17.0963% | 387 |
| Retained earnings to average equity (ytd only) | 5.2928% | 1,940 |
| Net charge-offs to loans | -0.0617% | 5,240 |
| Credit loss provision to net charge-offs | -41.6667% | 4,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7622% | 5,428 |
| Assets per employee ($millions) | 12.2731% | 174 |
| Cash dividends to net income (ytd only)* | 69.0411% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 614 |
| Loan loss allowance to noncurrent loans | 379.1045% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 2,753 |
| Noncurrent loans to loans | 0.5091% | 2,991 |
| Net loans and leases to total assets | 39.4347% | 5,152 |
| Net loans and leases to deposits | 44.4453% | 5,234 |
| Net loans and leases to core deposits | 46.9999% | 5,221 |
| Total domestic deposits to total assets | 88.7264% | 1,131 |
| Equity capital to assets | 10.8937% | 2,738 |
| Core capital (leverage) ratio | 10.9069% | 2,419 |
| Tier 1 risk-based capital ratio | 18.5337% | 1,641 |
| Total risk-based capital ratio | 19.7831% | 1,593 |
| Memoranda: | ||
| Average total assets | $92,645,200 | 4,378 |
| Average earning assets | $86,518,200 | 4,354 |
| Average equity | $10,674,800 | 4,353 |
| Average total loans | $38,868,400 | 4,763 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7625% | 4,134 |
| Cost of funding earning assets | 0.1631% | 5,237 |
| Net interest margin | 3.5994% | 3,156 |
| Noninterest income to average assets | 0.2323% | 4,822 |
| Noninterest expense to average assets | 1.5092% | 5,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0761% | 273 |
| Return on assets (ROA) | 2.0761% | 280 |
| Pretax return on assets | 2.0761% | 468 |
| Return on Equity (ROE) | 17.7573% | 355 |
| Retained earnings to average equity (ytd only) | 13.2586% | 204 |
| Net charge-offs to loans | -0.0827% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0945% | 5,534 |
| Assets per employee ($millions) | 12.1680% | 173 |
| Cash dividends to net income (ytd only)* | 25.3344% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1380% | 449 |
| Loan loss allowance to noncurrent loans | 374.1294% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 2,829 |
| Noncurrent loans to loans | 0.5715% | 2,985 |
| Net loans and leases to total assets | 35.3602% | 5,374 |
| Net loans and leases to deposits | 40.1126% | 5,420 |
| Net loans and leases to core deposits | 42.4531% | 5,409 |
| Total domestic deposits to total assets | 88.1523% | 1,280 |
| Equity capital to assets | 11.4963% | 2,378 |
| Core capital (leverage) ratio | 11.7029% | 1,883 |
| Tier 1 risk-based capital ratio | 20.6396% | 1,257 |
| Total risk-based capital ratio | 21.8900% | 1,226 |
| Memoranda: | ||
| Average total assets | $91,260,250 | 4,444 |
| Average earning assets | $85,011,250 | 4,418 |
| Average equity | $10,669,500 | 4,393 |
| Average total loans | $38,715,250 | 4,815 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,753 |
| Cost of funding earning assets | 0.1596% | 5,277 |
| Net interest margin | 3.6828% | 2,709 |
| Noninterest income to average assets | 0.2421% | 4,793 |
| Noninterest expense to average assets | 1.5062% | 5,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1494% | 237 |
| Return on assets (ROA) | 2.1494% | 244 |
| Pretax return on assets | 2.1494% | 401 |
| Return on Equity (ROE) | 18.2742% | 309 |
| Retained earnings to average equity (ytd only) | 13.7009% | 203 |
| Net charge-offs to loans | -0.0301% | 4,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2017% | 5,599 |
| Assets per employee ($millions) | 11.4166% | 200 |
| Cash dividends to net income (ytd only)* | 25.0261% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 3,468 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 37.8976% | 5,308 |
| Net loans and leases to deposits | 43.1767% | 5,363 |
| Net loans and leases to core deposits | 45.8845% | 5,343 |
| Total domestic deposits to total assets | 87.7733% | 1,582 |
| Equity capital to assets | 11.8796% | 2,017 |
| Core capital (leverage) ratio | 11.9468% | 1,662 |
| Tier 1 risk-based capital ratio | 20.4101% | 1,287 |
| Total risk-based capital ratio | 21.6610% | 1,261 |
| Memoranda: | ||
| Average total assets | $89,232,330 | 4,511 |
| Average earning assets | $82,709,000 | 4,492 |
| Average equity | $10,495,670 | 4,438 |
| Average total loans | $39,896,000 | 4,812 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 3,345 |
| Cost of funding earning assets | 0.1502% | 5,372 |
| Net interest margin | 3.7654% | 2,243 |
| Noninterest income to average assets | 0.2586% | 4,682 |
| Noninterest expense to average assets | 1.5377% | 5,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2454% | 211 |
| Return on assets (ROA) | 2.2454% | 215 |
| Pretax return on assets | 2.2454% | 328 |
| Return on Equity (ROE) | 19.1888% | 273 |
| Retained earnings to average equity (ytd only) | 14.5370% | 264 |
| Net charge-offs to loans | -0.0379% | 5,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6475% | 5,678 |
| Assets per employee ($millions) | 11.2389% | 209 |
| Cash dividends to net income (ytd only)* | 24.2424% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 1,061 |
| Loan loss allowance to noncurrent loans | 4,575.0000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 3,416 |
| Noncurrent loans to loans | 0.0382% | 5,046 |
| Net loans and leases to total assets | 45.7764% | 4,953 |
| Net loans and leases to deposits | 52.0243% | 5,032 |
| Net loans and leases to core deposits | 55.3325% | 5,005 |
| Total domestic deposits to total assets | 87.9903% | 1,719 |
| Equity capital to assets | 11.6849% | 2,050 |
| Core capital (leverage) ratio | 12.0328% | 1,607 |
| Tier 1 risk-based capital ratio | 17.9977% | 1,876 |
| Total risk-based capital ratio | 19.2466% | 1,837 |
| Memoranda: | ||
| Average total assets | $88,182,000 | 4,566 |
| Average earning assets | $82,541,500 | 4,540 |
| Average equity | $10,318,500 | 4,492 |
| Average total loans | $42,170,500 | 4,785 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 3,571 |
| Cost of funding earning assets | 0.1441% | 5,461 |
| Net interest margin | 3.7556% | 2,479 |
| Noninterest income to average assets | 0.2747% | 4,773 |
| Noninterest expense to average assets | 1.7403% | 5,525 |
| Loan and lease loss provision to assets | 0.0474% | 3,443 |
| Net operating income to assets | 2.0054% | 314 |
| Return on assets (ROA) | 2.0054% | 333 |
| Pretax return on assets | 2.0054% | 501 |
| Return on Equity (ROE) | 16.5965% | 448 |
| Retained earnings to average equity (ytd only) | 4.2520% | 2,881 |
| Net charge-offs to loans | 0.0636% | 2,790 |
| Credit loss provision to net charge-offs | 153.8462% | 1,782 |
| Earnings coverage of net charge-offs (x) | 66.6923% | 827 |
| Efficiency ratio | 45.8801% | 5,642 |
| Assets per employee ($millions) | 10.8066% | 238 |
| Cash dividends to net income (ytd only)* | 74.3802% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7149% | 1,113 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 3,422 |
| Noncurrent loans to loans | 0.0330% | 5,132 |
| Net loans and leases to total assets | 48.2609% | 4,878 |
| Net loans and leases to deposits | 54.8712% | 4,973 |
| Net loans and leases to core deposits | 58.5069% | 4,930 |
| Total domestic deposits to total assets | 87.9530% | 1,652 |
| Equity capital to assets | 11.7185% | 1,995 |
| Core capital (leverage) ratio | 11.7837% | 1,733 |
| Tier 1 risk-based capital ratio | 17.9405% | 1,865 |
| Total risk-based capital ratio | 19.1907% | 1,825 |
| Memoranda: | ||
| Average total assets | $84,470,200 | 4,637 |
| Average earning assets | $79,134,800 | 4,605 |
| Average equity | $10,207,000 | 4,536 |
| Average total loans | $40,880,000 | 4,843 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,364 |
| Cost of funding earning assets | 0.1424% | 5,528 |
| Net interest margin | 3.8193% | 2,265 |
| Noninterest income to average assets | 0.2620% | 4,896 |
| Noninterest expense to average assets | 1.6608% | 5,635 |
| Loan and lease loss provision to assets | 0.0476% | 3,296 |
| Net operating income to assets | 2.1308% | 277 |
| Return on assets (ROA) | 2.1308% | 290 |
| Pretax return on assets | 2.1308% | 437 |
| Return on Equity (ROE) | 17.4975% | 394 |
| Retained earnings to average equity (ytd only) | 12.8036% | 232 |
| Net charge-offs to loans | 0.0527% | 2,612 |
| Credit loss provision to net charge-offs | 187.5000% | 1,500 |
| Earnings coverage of net charge-offs (x) | 85.7614% | 731 |
| Efficiency ratio | 43.2589% | 5,761 |
| Assets per employee ($millions) | 10.5236% | 253 |
| Cash dividends to net income (ytd only)* | 26.8257% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9769% | 752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 3,563 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 42.8773% | 5,259 |
| Net loans and leases to deposits | 49.2906% | 5,336 |
| Net loans and leases to core deposits | 52.6878% | 5,281 |
| Total domestic deposits to total assets | 86.9888% | 1,904 |
| Equity capital to assets | 12.6846% | 1,659 |
| Core capital (leverage) ratio | 12.8902% | 1,231 |
| Tier 1 risk-based capital ratio | 20.6365% | 1,333 |
| Total risk-based capital ratio | 21.8868% | 1,302 |
| Memoranda: | ||
| Average total assets | $83,974,500 | 4,685 |
| Average earning assets | $78,651,500 | 4,646 |
| Average equity | $10,226,000 | 4,579 |
| Average total loans | $40,487,250 | 4,905 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 2,839 |
| Cost of funding earning assets | 0.1425% | 5,595 |
| Net interest margin | 3.9608% | 1,771 |
| Noninterest income to average assets | 0.2860% | 4,743 |
| Noninterest expense to average assets | 1.6591% | 5,716 |
| Loan and lease loss provision to assets | 0.0477% | 3,194 |
| Net operating income to assets | 2.2884% | 200 |
| Return on assets (ROA) | 2.2884% | 210 |
| Pretax return on assets | 2.2884% | 312 |
| Return on Equity (ROE) | 19.0571% | 292 |
| Retained earnings to average equity (ytd only) | 14.2928% | 171 |
| Net charge-offs to loans | -0.3836% | 5,918 |
| Credit loss provision to net charge-offs | -25.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5274% | 5,874 |
| Assets per employee ($millions) | 10.1648% | 272 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 3,548 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 45.2569% | 5,167 |
| Net loans and leases to deposits | 52.0847% | 5,247 |
| Net loans and leases to core deposits | 56.6743% | 5,137 |
| Total domestic deposits to total assets | 86.8910% | 1,967 |
| Equity capital to assets | 12.8102% | 1,607 |
| Core capital (leverage) ratio | 12.4167% | 1,399 |
| Tier 1 risk-based capital ratio | 20.1252% | 1,435 |
| Total risk-based capital ratio | 21.3790% | 1,399 |
| Memoranda: | ||
| Average total assets | $83,903,000 | 4,724 |
| Average earning assets | $78,569,670 | 4,687 |
| Average equity | $10,075,000 | 4,628 |
| Average total loans | $41,707,670 | 4,909 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2440% | 2,322 |
| Cost of funding earning assets | 0.1351% | 5,717 |
| Net interest margin | 4.1089% | 1,312 |
| Noninterest income to average assets | 0.3146% | 4,476 |
| Noninterest expense to average assets | 1.6621% | 5,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.5072% | 154 |
| Return on assets (ROA) | 2.5072% | 159 |
| Pretax return on assets | 2.5072% | 233 |
| Return on Equity (ROE) | 21.5670% | 176 |
| Retained earnings to average equity (ytd only) | 16.7205% | 167 |
| Net charge-offs to loans | -0.7131% | 6,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8649% | 5,965 |
| Assets per employee ($millions) | 10.8285% | 219 |
| Cash dividends to net income (ytd only)* | 22.4719% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8656% | 1,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 3,687 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 48.0918% | 4,964 |
| Net loans and leases to deposits | 54.6001% | 5,068 |
| Net loans and leases to core deposits | 59.0258% | 4,997 |
| Total domestic deposits to total assets | 88.0801% | 1,601 |
| Equity capital to assets | 11.6717% | 2,271 |
| Core capital (leverage) ratio | 11.9397% | 1,647 |
| Tier 1 risk-based capital ratio | 17.7848% | 2,043 |
| Total risk-based capital ratio | 19.0354% | 2,006 |
| Memoranda: | ||
| Average total assets | $85,195,500 | 4,744 |
| Average earning assets | $79,924,500 | 4,709 |
| Average equity | $9,904,000 | 4,675 |
| Average total loans | $43,753,500 | 4,876 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 3,792 |
| Cost of funding earning assets | 0.1298% | 5,815 |
| Net interest margin | 3.7436% | 2,583 |
| Noninterest income to average assets | 0.2622% | 5,012 |
| Noninterest expense to average assets | 1.6264% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.1569% | 266 |
| Return on assets (ROA) | 2.1569% | 272 |
| Pretax return on assets | 2.1569% | 381 |
| Return on Equity (ROE) | 18.4036% | 355 |
| Retained earnings to average equity (ytd only) | 5.4128% | 2,133 |
| Net charge-offs to loans | -0.2322% | 5,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9895% | 6,004 |
| Assets per employee ($millions) | 10.4704% | 235 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 1,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 3,573 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 52.9351% | 4,609 |
| Net loans and leases to deposits | 60.0317% | 4,777 |
| Net loans and leases to core deposits | 65.3086% | 4,644 |
| Total domestic deposits to total assets | 88.1786% | 1,542 |
| Equity capital to assets | 11.5767% | 2,301 |
| Core capital (leverage) ratio | 11.4076% | 2,038 |
| Tier 1 risk-based capital ratio | 16.9911% | 2,287 |
| Total risk-based capital ratio | 18.2404% | 2,237 |
| Memoranda: | ||
| Average total assets | $82,759,400 | 4,813 |
| Average earning assets | $77,840,200 | 4,768 |
| Average equity | $9,699,200 | 4,709 |
| Average total loans | $40,476,200 | 4,990 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 3,970 |
| Cost of funding earning assets | 0.1304% | 5,913 |
| Net interest margin | 3.7073% | 2,736 |
| Noninterest income to average assets | 0.2569% | 5,100 |
| Noninterest expense to average assets | 1.5400% | 6,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.2074% | 261 |
| Return on assets (ROA) | 2.2074% | 269 |
| Pretax return on assets | 2.2074% | 404 |
| Return on Equity (ROE) | 18.7767% | 352 |
| Retained earnings to average equity (ytd only) | 13.8282% | 218 |
| Net charge-offs to loans | -0.3186% | 6,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0953% | 6,106 |
| Assets per employee ($millions) | 10.3846% | 238 |
| Cash dividends to net income (ytd only)* | 26.3544% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9628% | 971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 3,708 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 42.9264% | 5,431 |
| Net loans and leases to deposits | 49.0435% | 5,510 |
| Net loans and leases to core deposits | 53.6682% | 5,424 |
| Total domestic deposits to total assets | 87.5272% | 1,795 |
| Equity capital to assets | 12.2513% | 1,905 |
| Core capital (leverage) ratio | 12.3320% | 1,500 |
| Tier 1 risk-based capital ratio | 20.4599% | 1,442 |
| Total risk-based capital ratio | 21.7103% | 1,408 |
| Memoranda: | ||
| Average total assets | $82,508,500 | 4,877 |
| Average earning assets | $77,682,250 | 4,824 |
| Average equity | $9,699,750 | 4,769 |
| Average total loans | $39,331,750 | 5,095 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9220% | 3,608 |
| Cost of funding earning assets | 0.1288% | 5,989 |
| Net interest margin | 3.7932% | 2,344 |
| Noninterest income to average assets | 0.2527% | 5,143 |
| Noninterest expense to average assets | 1.5185% | 6,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.3105% | 219 |
| Return on assets (ROA) | 2.3105% | 231 |
| Pretax return on assets | 2.3105% | 334 |
| Return on Equity (ROE) | 19.9364% | 271 |
| Retained earnings to average equity (ytd only) | 14.9051% | 198 |
| Net charge-offs to loans | -0.4961% | 6,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6574% | 6,209 |
| Assets per employee ($millions) | 10.1026% | 255 |
| Cash dividends to net income (ytd only)* | 25.2366% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0131% | 967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 3,694 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 43.3625% | 5,410 |
| Net loans and leases to deposits | 49.5189% | 5,531 |
| Net loans and leases to core deposits | 53.4996% | 5,450 |
| Total domestic deposits to total assets | 87.5676% | 1,869 |
| Equity capital to assets | 12.2283% | 1,855 |
| Core capital (leverage) ratio | 11.9888% | 1,670 |
| Tier 1 risk-based capital ratio | 20.2342% | 1,500 |
| Total risk-based capital ratio | 21.4852% | 1,476 |
| Memoranda: | ||
| Average total assets | $82,319,000 | 4,928 |
| Average earning assets | $77,612,670 | 4,879 |
| Average equity | $9,540,330 | 4,834 |
| Average total loans | $40,317,000 | 5,091 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 2,838 |
| Cost of funding earning assets | 0.1277% | 6,077 |
| Net interest margin | 3.9704% | 1,653 |
| Noninterest income to average assets | 0.2456% | 5,208 |
| Noninterest expense to average assets | 1.5120% | 6,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.4751% | 164 |
| Return on assets (ROA) | 2.4751% | 175 |
| Pretax return on assets | 2.4751% | 256 |
| Return on Equity (ROE) | 21.9447% | 188 |
| Retained earnings to average equity (ytd only) | 16.8214% | 187 |
| Net charge-offs to loans | -1.0800% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9227% | 6,307 |
| Assets per employee ($millions) | 10.5329% | 228 |
| Cash dividends to net income (ytd only)* | 23.3463% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 1,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 3,845 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.8822% | 5,045 |
| Net loans and leases to deposits | 54.1215% | 5,181 |
| Net loans and leases to core deposits | 58.2342% | 5,111 |
| Total domestic deposits to total assets | 88.4718% | 1,558 |
| Equity capital to assets | 11.3526% | 2,593 |
| Core capital (leverage) ratio | 11.7177% | 1,842 |
| Tier 1 risk-based capital ratio | 20.2833% | 1,561 |
| Total risk-based capital ratio | 21.5364% | 1,530 |
| Memoranda: | ||
| Average total assets | $83,068,000 | 4,960 |
| Average earning assets | $78,278,500 | 4,912 |
| Average equity | $9,369,000 | 4,902 |
| Average total loans | $42,592,500 | 5,044 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6423% | 4,957 |
| Cost of funding earning assets | 0.1422% | 6,145 |
| Net interest margin | 3.5001% | 3,792 |
| Noninterest income to average assets | 0.2645% | 5,237 |
| Noninterest expense to average assets | 1.5636% | 6,264 |
| Loan and lease loss provision to assets | 0.0371% | 3,838 |
| Net operating income to assets | 1.9505% | 355 |
| Return on assets (ROA) | 1.9505% | 369 |
| Pretax return on assets | 1.9505% | 559 |
| Return on Equity (ROE) | 17.2829% | 464 |
| Retained earnings to average equity (ytd only) | 5.4543% | 2,290 |
| Net charge-offs to loans | -0.0138% | 5,628 |
| Credit loss provision to net charge-offs | -600.0000% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0306% | 6,321 |
| Assets per employee ($millions) | 10.2341% | 229 |
| Cash dividends to net income (ytd only)* | 68.4411% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 2,922 |
| Loan loss allowance to noncurrent loans | 20,666.6667% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 3,809 |
| Noncurrent loans to loans | 0.0068% | 5,900 |
| Net loans and leases to total assets | 53.1103% | 4,673 |
| Net loans and leases to deposits | 59.9270% | 4,906 |
| Net loans and leases to core deposits | 64.0681% | 4,822 |
| Total domestic deposits to total assets | 88.6251% | 1,456 |
| Equity capital to assets | 11.2027% | 2,690 |
| Core capital (leverage) ratio | 10.9843% | 2,425 |
| Tier 1 risk-based capital ratio | 16.6849% | 2,645 |
| Total risk-based capital ratio | 17.8127% | 2,632 |
| Memoranda: | ||
| Average total assets | $80,901,200 | 5,043 |
| Average earning assets | $75,968,400 | 4,988 |
| Average equity | $9,130,400 | 4,943 |
| Average total loans | $36,138,400 | 5,323 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5686% | 5,218 |
| Cost of funding earning assets | 0.1446% | 6,218 |
| Net interest margin | 3.4240% | 4,130 |
| Noninterest income to average assets | 0.2628% | 5,329 |
| Noninterest expense to average assets | 1.4216% | 6,388 |
| Loan and lease loss provision to assets | 0.0165% | 4,082 |
| Net operating income to assets | 2.0349% | 326 |
| Return on assets (ROA) | 2.0349% | 338 |
| Pretax return on assets | 2.0349% | 526 |
| Return on Equity (ROE) | 17.9966% | 447 |
| Retained earnings to average equity (ytd only) | 12.7336% | 354 |
| Net charge-offs to loans | 0.0195% | 4,141 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 248.0705% | 269 |
| Efficiency ratio | 40.9329% | 6,436 |
| Assets per employee ($millions) | 10.4785% | 209 |
| Cash dividends to net income (ytd only)* | 29.2447% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 1,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 4,079 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 38.3428% | 5,923 |
| Net loans and leases to deposits | 43.3403% | 6,007 |
| Net loans and leases to core deposits | 46.0665% | 5,954 |
| Total domestic deposits to total assets | 88.4692% | 1,517 |
| Equity capital to assets | 11.3864% | 2,598 |
| Core capital (leverage) ratio | 11.3676% | 2,166 |
| Tier 1 risk-based capital ratio | 20.7212% | 1,508 |
| Total risk-based capital ratio | 21.9716% | 1,474 |
| Memoranda: | ||
| Average total assets | $80,658,250 | 5,102 |
| Average earning assets | $75,620,750 | 5,049 |
| Average equity | $9,120,000 | 4,981 |
| Average total loans | $34,147,250 | 5,447 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 5,033 |
| Cost of funding earning assets | 0.1502% | 6,265 |
| Net interest margin | 3.4922% | 3,814 |
| Noninterest income to average assets | 0.2688% | 5,283 |
| Noninterest expense to average assets | 1.4221% | 6,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1180% | 269 |
| Return on assets (ROA) | 2.1180% | 283 |
| Pretax return on assets | 2.1180% | 430 |
| Return on Equity (ROE) | 18.7785% | 382 |
| Retained earnings to average equity (ytd only) | 13.4323% | 298 |
| Net charge-offs to loans | -0.0520% | 5,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1703% | 6,517 |
| Assets per employee ($millions) | 10.2236% | 220 |
| Cash dividends to net income (ytd only)* | 28.4698% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 1,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 4,128 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 39.6985% | 5,842 |
| Net loans and leases to deposits | 44.8411% | 5,942 |
| Net loans and leases to core deposits | 47.0429% | 5,948 |
| Total domestic deposits to total assets | 88.5315% | 1,619 |
| Equity capital to assets | 11.3426% | 2,563 |
| Core capital (leverage) ratio | 11.4890% | 2,008 |
| Tier 1 risk-based capital ratio | 20.2555% | 1,625 |
| Total risk-based capital ratio | 21.5066% | 1,596 |
| Memoranda: | ||
| Average total assets | $79,601,670 | 5,166 |
| Average earning assets | $74,566,330 | 5,120 |
| Average equity | $8,978,330 | 5,033 |
| Average total loans | $34,619,000 | 5,468 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,603 |
| Cost of funding earning assets | 0.1578% | 6,311 |
| Net interest margin | 3.6129% | 3,199 |
| Noninterest income to average assets | 0.2751% | 5,169 |
| Noninterest expense to average assets | 1.4674% | 6,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1909% | 240 |
| Return on assets (ROA) | 2.1909% | 249 |
| Pretax return on assets | 2.1909% | 357 |
| Return on Equity (ROE) | 19.4813% | 330 |
| Retained earnings to average equity (ytd only) | 14.0446% | 391 |
| Net charge-offs to loans | -0.0113% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1114% | 6,590 |
| Assets per employee ($millions) | 10.0863% | 224 |
| Cash dividends to net income (ytd only)* | 27.9070% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6908% | 2,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6358% | 4,225 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 42.2270% | 5,647 |
| Net loans and leases to deposits | 47.5767% | 5,757 |
| Net loans and leases to core deposits | 49.9392% | 5,768 |
| Total domestic deposits to total assets | 88.7557% | 1,804 |
| Equity capital to assets | 11.1340% | 2,590 |
| Core capital (leverage) ratio | 11.5559% | 1,930 |
| Tier 1 risk-based capital ratio | 19.1536% | 1,919 |
| Total risk-based capital ratio | 20.4029% | 1,885 |
| Memoranda: | ||
| Average total assets | $78,508,000 | 5,243 |
| Average earning assets | $73,515,000 | 5,194 |
| Average equity | $8,829,000 | 5,099 |
| Average total loans | $35,397,000 | 5,492 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 5,406 |
| Cost of funding earning assets | 0.2018% | 6,282 |
| Net interest margin | 3.3974% | 4,280 |
| Noninterest income to average assets | 0.3010% | 5,197 |
| Noninterest expense to average assets | 1.7461% | 6,394 |
| Loan and lease loss provision to assets | 0.0142% | 4,845 |
| Net operating income to assets | 1.7191% | 564 |
| Return on assets (ROA) | 1.7191% | 582 |
| Pretax return on assets | 1.7191% | 908 |
| Return on Equity (ROE) | 13.7404% | 1,009 |
| Retained earnings to average equity (ytd only) | 1.4864% | 5,150 |
| Net charge-offs to loans | 0.1636% | 3,175 |
| Credit loss provision to net charge-offs | 18.8679% | 4,469 |
| Earnings coverage of net charge-offs (x) | 23.0377% | 1,430 |
| Efficiency ratio | 50.1836% | 6,389 |
| Assets per employee ($millions) | 9.5408% | 268 |
| Cash dividends to net income (ytd only)* | 89.1825% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 2,685 |
| Loan loss allowance to noncurrent loans | 9,750.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 4,136 |
| Noncurrent loans to loans | 0.0166% | 6,223 |
| Net loans and leases to total assets | 46.5765% | 5,444 |
| Net loans and leases to deposits | 52.6144% | 5,580 |
| Net loans and leases to core deposits | 56.0469% | 5,533 |
| Total domestic deposits to total assets | 88.5242% | 1,898 |
| Equity capital to assets | 11.3644% | 2,271 |
| Core capital (leverage) ratio | 12.0971% | 1,536 |
| Tier 1 risk-based capital ratio | 18.4341% | 2,105 |
| Total risk-based capital ratio | 19.6774% | 2,068 |
| Memoranda: | ||
| Average total assets | $70,443,200 | 5,460 |
| Average earning assets | $65,904,200 | 5,409 |
| Average equity | $8,813,400 | 5,138 |
| Average total loans | $32,395,200 | 5,651 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 5,354 |
| Cost of funding earning assets | 0.2128% | 6,336 |
| Net interest margin | 3.4175% | 4,219 |
| Noninterest income to average assets | 0.2996% | 5,301 |
| Noninterest expense to average assets | 1.6083% | 6,550 |
| Loan and lease loss provision to assets | 0.0193% | 4,622 |
| Net operating income to assets | 1.8693% | 461 |
| Return on assets (ROA) | 1.8693% | 471 |
| Pretax return on assets | 1.8693% | 759 |
| Return on Equity (ROE) | 14.5712% | 875 |
| Retained earnings to average equity (ytd only) | 9.1466% | 1,017 |
| Net charge-offs to loans | -0.2543% | 6,693 |
| Credit loss provision to net charge-offs | -16.6667% | 5,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9923% | 6,586 |
| Assets per employee ($millions) | 8.6526% | 361 |
| Cash dividends to net income (ytd only)* | 37.2287% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3563% | 1,098 |
| Loan loss allowance to noncurrent loans | 734.7368% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.9217% | 3,831 |
| Noncurrent loans to loans | 0.3207% | 5,424 |
| Net loans and leases to total assets | 41.7865% | 5,918 |
| Net loans and leases to deposits | 48.2035% | 5,950 |
| Net loans and leases to core deposits | 51.7729% | 5,901 |
| Total domestic deposits to total assets | 86.6876% | 2,864 |
| Equity capital to assets | 13.2185% | 1,233 |
| Core capital (leverage) ratio | 13.2711% | 1,107 |
| Tier 1 risk-based capital ratio | 22.7448% | 1,188 |
| Total risk-based capital ratio | 24.0001% | 1,170 |
| Memoranda: | ||
| Average total assets | $68,972,500 | 5,567 |
| Average earning assets | $64,528,500 | 5,508 |
| Average equity | $8,848,250 | 5,177 |
| Average total loans | $31,460,250 | 5,745 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6449% | 5,307 |
| Cost of funding earning assets | 0.2162% | 6,396 |
| Net interest margin | 3.4287% | 4,081 |
| Noninterest income to average assets | 0.2961% | 5,333 |
| Noninterest expense to average assets | 1.6200% | 6,573 |
| Loan and lease loss provision to assets | 0.0290% | 4,348 |
| Net operating income to assets | 1.8697% | 453 |
| Return on assets (ROA) | 1.8697% | 484 |
| Pretax return on assets | 1.8697% | 789 |
| Return on Equity (ROE) | 14.7239% | 861 |
| Retained earnings to average equity (ytd only) | 9.2367% | 1,050 |
| Net charge-offs to loans | -0.0873% | 6,464 |
| Credit loss provision to net charge-offs | -71.4286% | 5,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0396% | 6,634 |
| Assets per employee ($millions) | 8.5101% | 376 |
| Cash dividends to net income (ytd only)* | 37.2671% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 1,592 |
| Loan loss allowance to noncurrent loans | 490.2256% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.9929% | 3,777 |
| Noncurrent loans to loans | 0.4321% | 5,180 |
| Net loans and leases to total assets | 44.2561% | 5,718 |
| Net loans and leases to deposits | 51.0021% | 5,773 |
| Net loans and leases to core deposits | 54.8426% | 5,685 |
| Total domestic deposits to total assets | 86.7731% | 2,962 |
| Equity capital to assets | 13.1417% | 1,289 |
| Core capital (leverage) ratio | 13.0000% | 1,160 |
| Tier 1 risk-based capital ratio | 21.8459% | 1,312 |
| Total risk-based capital ratio | 23.1010% | 1,286 |
| Memoranda: | ||
| Average total assets | $68,889,670 | 5,607 |
| Average earning assets | $64,747,670 | 5,538 |
| Average equity | $8,747,670 | 5,233 |
| Average total loans | $32,072,670 | 5,753 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 5,357 |
| Cost of funding earning assets | 0.2194% | 6,477 |
| Net interest margin | 3.4123% | 4,072 |
| Noninterest income to average assets | 0.2540% | 5,641 |
| Noninterest expense to average assets | 1.5817% | 6,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9049% | 399 |
| Return on assets (ROA) | 1.9049% | 437 |
| Pretax return on assets | 1.9049% | 725 |
| Return on Equity (ROE) | 15.2636% | 704 |
| Retained earnings to average equity (ytd only) | 9.7132% | 1,181 |
| Net charge-offs to loans | 0.1712% | 2,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 23.5714% | 1,100 |
| Efficiency ratio | 45.3642% | 6,717 |
| Assets per employee ($millions) | 8.8193% | 339 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 2,237 |
| Loan loss allowance to noncurrent loans | 79.3282% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 3,736 |
| Noncurrent loans to loans | 2.4244% | 2,131 |
| Net loans and leases to total assets | 44.3788% | 5,618 |
| Net loans and leases to deposits | 50.6880% | 5,734 |
| Net loans and leases to core deposits | 54.3245% | 5,643 |
| Total domestic deposits to total assets | 87.5528% | 2,602 |
| Equity capital to assets | 12.4061% | 1,771 |
| Core capital (leverage) ratio | 12.7167% | 1,240 |
| Tier 1 risk-based capital ratio | 20.8211% | 1,578 |
| Total risk-based capital ratio | 22.0747% | 1,552 |
| Memoranda: | ||
| Average total assets | $69,294,000 | 5,644 |
| Average earning assets | $65,645,000 | 5,555 |
| Average equity | $8,648,000 | 5,321 |
| Average total loans | $32,718,000 | 5,764 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 5,221 |
| Cost of funding earning assets | 0.2700% | 6,591 |
| Net interest margin | 3.7564% | 3,414 |
| Noninterest income to average assets | 0.2592% | 5,611 |
| Noninterest expense to average assets | 1.7258% | 6,698 |
| Loan and lease loss provision to assets | 0.1658% | 3,537 |
| Net operating income to assets | 1.9956% | 358 |
| Return on assets (ROA) | 1.9956% | 392 |
| Pretax return on assets | 1.9956% | 608 |
| Return on Equity (ROE) | 15.0677% | 802 |
| Retained earnings to average equity (ytd only) | 0.7283% | 5,504 |
| Net charge-offs to loans | 0.2173% | 3,653 |
| Credit loss provision to net charge-offs | 154.9296% | 1,741 |
| Earnings coverage of net charge-offs (x) | 20.1972% | 1,363 |
| Efficiency ratio | 44.3971% | 6,834 |
| Assets per employee ($millions) | 8.5043% | 400 |
| Cash dividends to net income (ytd only)* | 95.1662% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 2,370 |
| Loan loss allowance to noncurrent loans | 79.4937% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 3,720 |
| Noncurrent loans to loans | 2.3574% | 2,281 |
| Net loans and leases to total assets | 48.3332% | 5,374 |
| Net loans and leases to deposits | 55.3074% | 5,515 |
| Net loans and leases to core deposits | 59.0677% | 5,447 |
| Total domestic deposits to total assets | 87.3901% | 2,581 |
| Equity capital to assets | 12.5570% | 1,669 |
| Core capital (leverage) ratio | 12.4105% | 1,358 |
| Tier 1 risk-based capital ratio | 20.8259% | 1,496 |
| Total risk-based capital ratio | 22.0789% | 1,467 |
| Memoranda: | ||
| Average total assets | $66,345,600 | 5,728 |
| Average earning assets | $64,076,600 | 5,606 |
| Average equity | $8,787,000 | 5,276 |
| Average total loans | $32,680,400 | 5,816 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 5,179 |
| Cost of funding earning assets | 0.2869% | 6,669 |
| Net interest margin | 3.8154% | 3,266 |
| Noninterest income to average assets | 0.2528% | 5,760 |
| Noninterest expense to average assets | 1.6119% | 6,866 |
| Loan and lease loss provision to assets | 0.1517% | 3,640 |
| Net operating income to assets | 2.1742% | 299 |
| Return on assets (ROA) | 2.1742% | 334 |
| Pretax return on assets | 2.1742% | 499 |
| Return on Equity (ROE) | 16.1991% | 716 |
| Retained earnings to average equity (ytd only) | 10.7743% | 727 |
| Net charge-offs to loans | 0.2012% | 3,524 |
| Credit loss provision to net charge-offs | 153.0612% | 1,839 |
| Earnings coverage of net charge-offs (x) | 23.4701% | 1,314 |
| Efficiency ratio | 40.9348% | 6,998 |
| Assets per employee ($millions) | 8.5811% | 383 |
| Cash dividends to net income (ytd only)* | 33.4885% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0352% | 2,070 |
| Loan loss allowance to noncurrent loans | 75.4601% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.1872% | 3,914 |
| Noncurrent loans to loans | 2.6971% | 2,102 |
| Net loans and leases to total assets | 43.1223% | 6,028 |
| Net loans and leases to deposits | 49.8250% | 6,122 |
| Net loans and leases to core deposits | 52.5677% | 6,144 |
| Total domestic deposits to total assets | 86.5475% | 2,955 |
| Equity capital to assets | 13.3928% | 1,394 |
| Core capital (leverage) ratio | 13.6201% | 972 |
| Tier 1 risk-based capital ratio | 23.6113% | 1,077 |
| Total risk-based capital ratio | 24.8645% | 1,052 |
| Memoranda: | ||
| Average total assets | $65,923,500 | 5,812 |
| Average earning assets | $63,669,500 | 5,675 |
| Average equity | $8,848,000 | 5,309 |
| Average total loans | $32,472,750 | 5,903 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 4,887 |
| Cost of funding earning assets | 0.2955% | 6,755 |
| Net interest margin | 3.9238% | 2,817 |
| Noninterest income to average assets | 0.2584% | 5,726 |
| Noninterest expense to average assets | 1.6212% | 6,906 |
| Loan and lease loss provision to assets | 0.1384% | 3,792 |
| Net operating income to assets | 2.2979% | 243 |
| Return on assets (ROA) | 2.2979% | 272 |
| Pretax return on assets | 2.2979% | 414 |
| Return on Equity (ROE) | 17.1082% | 624 |
| Retained earnings to average equity (ytd only) | 11.6116% | 646 |
| Net charge-offs to loans | 0.1806% | 3,510 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 26.4000% | 1,166 |
| Efficiency ratio | 39.9545% | 7,066 |
| Assets per employee ($millions) | 8.2385% | 424 |
| Cash dividends to net income (ytd only)* | 32.1285% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8841% | 2,605 |
| Loan loss allowance to noncurrent loans | 71.1425% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 3,851 |
| Noncurrent loans to loans | 2.6483% | 2,273 |
| Net loans and leases to total assets | 47.7241% | 5,639 |
| Net loans and leases to deposits | 55.2998% | 5,730 |
| Net loans and leases to core deposits | 57.4198% | 5,823 |
| Total domestic deposits to total assets | 86.3006% | 3,195 |
| Equity capital to assets | 13.6342% | 1,248 |
| Core capital (leverage) ratio | 13.7298% | 891 |
| Tier 1 risk-based capital ratio | 22.4774% | 1,201 |
| Total risk-based capital ratio | 23.7306% | 1,185 |
| Memoranda: | ||
| Average total assets | $65,015,000 | 5,882 |
| Average earning assets | $62,949,670 | 5,740 |
| Average equity | $8,732,670 | 5,345 |
| Average total loans | $33,224,330 | 5,901 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 4,502 |
| Cost of funding earning assets | 0.3197% | 6,779 |
| Net interest margin | 4.0348% | 2,352 |
| Noninterest income to average assets | 0.2664% | 5,744 |
| Noninterest expense to average assets | 1.7284% | 6,874 |
| Loan and lease loss provision to assets | 0.1239% | 3,793 |
| Net operating income to assets | 2.3231% | 235 |
| Return on assets (ROA) | 2.3231% | 282 |
| Pretax return on assets | 2.3231% | 441 |
| Return on Equity (ROE) | 17.4297% | 612 |
| Retained earnings to average equity (ytd only) | 11.8522% | 842 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3947% | 7,070 |
| Assets per employee ($millions) | 8.1831% | 439 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 2,811 |
| Loan loss allowance to noncurrent loans | 69.1260% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.3458% | 3,868 |
| Noncurrent loans to loans | 2.6899% | 2,423 |
| Net loans and leases to total assets | 49.0995% | 5,419 |
| Net loans and leases to deposits | 56.6936% | 5,523 |
| Net loans and leases to core deposits | 59.3088% | 5,594 |
| Total domestic deposits to total assets | 86.6051% | 3,172 |
| Equity capital to assets | 13.3400% | 1,298 |
| Core capital (leverage) ratio | 13.6306% | 896 |
| Tier 1 risk-based capital ratio | 21.6056% | 1,362 |
| Total risk-based capital ratio | 22.8600% | 1,335 |
| Memoranda: | ||
| Average total assets | $64,568,500 | 5,938 |
| Average earning assets | $62,556,500 | 5,796 |
| Average equity | $8,606,000 | 5,399 |
| Average total loans | $33,807,500 | 5,920 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 6,378 |
| Cost of funding earning assets | 0.4460% | 6,743 |
| Net interest margin | 3.5965% | 4,747 |
| Noninterest income to average assets | 0.3173% | 5,270 |
| Noninterest expense to average assets | 1.7751% | 6,984 |
| Loan and lease loss provision to assets | 0.1337% | 4,942 |
| Net operating income to assets | 1.8894% | 388 |
| Return on assets (ROA) | 1.8894% | 420 |
| Pretax return on assets | 1.8894% | 681 |
| Return on Equity (ROE) | 13.7621% | 990 |
| Retained earnings to average equity (ytd only) | 2.6750% | 4,330 |
| Net charge-offs to loans | 0.2450% | 4,246 |
| Credit loss provision to net charge-offs | 109.2105% | 3,074 |
| Earnings coverage of net charge-offs (x) | 16.5263% | 1,322 |
| Efficiency ratio | 46.7345% | 7,010 |
| Assets per employee ($millions) | 7.9590% | 480 |
| Cash dividends to net income (ytd only)* | 80.5627% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6895% | 3,240 |
| Loan loss allowance to noncurrent loans | 66.9318% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 3,929 |
| Noncurrent loans to loans | 2.5242% | 2,608 |
| Net loans and leases to total assets | 53.8290% | 5,059 |
| Net loans and leases to deposits | 62.1525% | 5,221 |
| Net loans and leases to core deposits | 64.4915% | 5,414 |
| Total domestic deposits to total assets | 86.6079% | 2,972 |
| Equity capital to assets | 13.3167% | 1,355 |
| Core capital (leverage) ratio | 13.3339% | 1,028 |
| Tier 1 risk-based capital ratio | 20.3881% | 1,549 |
| Total risk-based capital ratio | 21.6409% | 1,522 |
| Memoranda: | ||
| Average total assets | $62,081,600 | 5,978 |
| Average earning assets | $60,086,600 | 5,863 |
| Average equity | $8,523,400 | 5,400 |
| Average total loans | $31,022,400 | 6,123 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 6,509 |
| Cost of funding earning assets | 0.4654% | 6,835 |
| Net interest margin | 3.5820% | 4,843 |
| Noninterest income to average assets | 0.3113% | 5,376 |
| Noninterest expense to average assets | 1.6946% | 7,102 |
| Loan and lease loss provision to assets | 0.1254% | 4,860 |
| Net operating income to assets | 1.9518% | 378 |
| Return on assets (ROA) | 1.9518% | 417 |
| Pretax return on assets | 1.9518% | 687 |
| Return on Equity (ROE) | 14.1071% | 1,021 |
| Retained earnings to average equity (ytd only) | 8.4830% | 1,317 |
| Net charge-offs to loans | 0.1907% | 4,269 |
| Credit loss provision to net charge-offs | 134.8837% | 2,364 |
| Earnings coverage of net charge-offs (x) | 22.3496% | 1,155 |
| Efficiency ratio | 44.9284% | 7,107 |
| Assets per employee ($millions) | 7.9896% | 468 |
| Cash dividends to net income (ytd only)* | 39.8673% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 2,196 |
| Loan loss allowance to noncurrent loans | 49.7086% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.8790% | 3,296 |
| Noncurrent loans to loans | 4.1306% | 1,598 |
| Net loans and leases to total assets | 44.5562% | 6,277 |
| Net loans and leases to deposits | 51.7095% | 6,391 |
| Net loans and leases to core deposits | 53.9631% | 6,461 |
| Total domestic deposits to total assets | 86.1664% | 3,118 |
| Equity capital to assets | 13.7585% | 1,264 |
| Core capital (leverage) ratio | 13.7611% | 968 |
| Tier 1 risk-based capital ratio | 24.1972% | 994 |
| Total risk-based capital ratio | 25.4519% | 974 |
| Memoranda: | ||
| Average total assets | $61,684,000 | 6,041 |
| Average earning assets | $59,592,500 | 5,918 |
| Average equity | $8,534,500 | 5,425 |
| Average total loans | $30,062,250 | 6,215 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 6,413 |
| Cost of funding earning assets | 0.4904% | 6,876 |
| Net interest margin | 3.6443% | 4,544 |
| Noninterest income to average assets | 0.3216% | 5,323 |
| Noninterest expense to average assets | 1.6771% | 7,199 |
| Loan and lease loss provision to assets | 0.0656% | 5,489 |
| Net operating income to assets | 2.0906% | 303 |
| Return on assets (ROA) | 2.0906% | 312 |
| Pretax return on assets | 2.0906% | 505 |
| Return on Equity (ROE) | 15.0805% | 792 |
| Retained earnings to average equity (ytd only) | 9.3987% | 989 |
| Net charge-offs to loans | 0.1119% | 4,576 |
| Credit loss provision to net charge-offs | 117.6471% | 2,610 |
| Earnings coverage of net charge-offs (x) | 38.6471% | 760 |
| Efficiency ratio | 43.7500% | 7,241 |
| Assets per employee ($millions) | 7.9131% | 473 |
| Cash dividends to net income (ytd only)* | 37.6766% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1014% | 2,121 |
| Loan loss allowance to noncurrent loans | 47.4838% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.9461% | 3,313 |
| Noncurrent loans to loans | 4.4254% | 1,511 |
| Net loans and leases to total assets | 43.0519% | 6,519 |
| Net loans and leases to deposits | 49.9130% | 6,603 |
| Net loans and leases to core deposits | 52.1079% | 6,658 |
| Total domestic deposits to total assets | 86.2539% | 3,182 |
| Equity capital to assets | 13.6608% | 1,217 |
| Core capital (leverage) ratio | 13.9711% | 876 |
| Tier 1 risk-based capital ratio | 24.3160% | 972 |
| Total risk-based capital ratio | 25.5701% | 949 |
| Memoranda: | ||
| Average total assets | $60,939,670 | 6,107 |
| Average earning assets | $58,722,000 | 5,998 |
| Average equity | $8,448,000 | 5,476 |
| Average total loans | $30,391,000 | 6,261 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 6,118 |
| Cost of funding earning assets | 0.5337% | 6,849 |
| Net interest margin | 3.7286% | 3,953 |
| Noninterest income to average assets | 0.3481% | 5,121 |
| Noninterest expense to average assets | 1.7471% | 7,192 |
| Loan and lease loss provision to assets | 0.1004% | 4,756 |
| Net operating income to assets | 2.1018% | 299 |
| Return on assets (ROA) | 2.1018% | 309 |
| Pretax return on assets | 2.1018% | 470 |
| Return on Equity (ROE) | 15.0455% | 816 |
| Retained earnings to average equity (ytd only) | 9.2956% | 1,294 |
| Net charge-offs to loans | 0.0884% | 4,067 |
| Credit loss provision to net charge-offs | 214.2857% | 1,400 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 602 |
| Efficiency ratio | 44.2373% | 7,274 |
| Assets per employee ($millions) | 7.7825% | 514 |
| Cash dividends to net income (ytd only)* | 38.2166% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 2,500 |
| Loan loss allowance to noncurrent loans | 47.6190% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 1.9900% | 3,333 |
| Noncurrent loans to loans | 4.1275% | 1,742 |
| Net loans and leases to total assets | 47.2663% | 6,164 |
| Net loans and leases to deposits | 54.7355% | 6,235 |
| Net loans and leases to core deposits | 57.7427% | 6,284 |
| Total domestic deposits to total assets | 86.3540% | 3,305 |
| Equity capital to assets | 13.5641% | 1,159 |
| Core capital (leverage) ratio | 14.1034% | 830 |
| Tier 1 risk-based capital ratio | 22.7352% | 1,120 |
| Total risk-based capital ratio | 23.9898% | 1,099 |
| Memoranda: | ||
| Average total assets | $59,757,000 | 6,192 |
| Average earning assets | $57,715,500 | 6,077 |
| Average equity | $8,348,000 | 5,504 |
| Average total loans | $31,667,000 | 6,262 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 5,456 |
| Cost of funding earning assets | 0.7627% | 6,697 |
| Net interest margin | 4.0258% | 2,903 |
| Noninterest income to average assets | 0.3468% | 5,323 |
| Noninterest expense to average assets | 1.9876% | 7,042 |
| Loan and lease loss provision to assets | 0.2135% | 5,121 |
| Net operating income to assets | 2.0187% | 276 |
| Return on assets (ROA) | 2.0187% | 287 |
| Pretax return on assets | 2.0187% | 460 |
| Return on Equity (ROE) | 13.3025% | 1,022 |
| Retained earnings to average equity (ytd only) | 2.4777% | 4,142 |
| Net charge-offs to loans | 0.3569% | 4,231 |
| Credit loss provision to net charge-offs | 100.8621% | 4,509 |
| Earnings coverage of net charge-offs (x) | 10.5431% | 1,694 |
| Efficiency ratio | 47.1021% | 7,310 |
| Assets per employee ($millions) | 7.1568% | 692 |
| Cash dividends to net income (ytd only)* | 81.3743% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 3,047 |
| Loan loss allowance to noncurrent loans | 46.8222% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.1710% | 3,128 |
| Noncurrent loans to loans | 3.7309% | 1,987 |
| Net loans and leases to total assets | 57.1733% | 5,153 |
| Net loans and leases to deposits | 66.8887% | 5,274 |
| Net loans and leases to core deposits | 70.9480% | 5,339 |
| Total domestic deposits to total assets | 85.4753% | 3,614 |
| Equity capital to assets | 14.4112% | 927 |
| Core capital (leverage) ratio | 14.1369% | 819 |
| Tier 1 risk-based capital ratio | 21.0856% | 1,308 |
| Total risk-based capital ratio | 22.3378% | 1,282 |
| Memoranda: | ||
| Average total assets | $54,788,800 | 6,379 |
| Average earning assets | $52,709,400 | 6,265 |
| Average equity | $8,314,200 | 5,612 |
| Average total loans | $32,500,800 | 6,288 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 4,872 |
| Cost of funding earning assets | 0.8028% | 6,754 |
| Net interest margin | 4.1860% | 2,269 |
| Noninterest income to average assets | 0.3323% | 5,503 |
| Noninterest expense to average assets | 1.9124% | 7,187 |
| Loan and lease loss provision to assets | 0.2757% | 4,381 |
| Net operating income to assets | 2.1609% | 259 |
| Return on assets (ROA) | 2.1609% | 276 |
| Pretax return on assets | 2.1609% | 444 |
| Return on Equity (ROE) | 14.0533% | 1,021 |
| Retained earnings to average equity (ytd only) | 8.2911% | 1,318 |
| Net charge-offs to loans | 0.4128% | 3,641 |
| Credit loss provision to net charge-offs | 112.0000% | 3,779 |
| Earnings coverage of net charge-offs (x) | 9.9000% | 1,945 |
| Efficiency ratio | 43.9728% | 7,464 |
| Assets per employee ($millions) | 7.0534% | 752 |
| Cash dividends to net income (ytd only)* | 41.0024% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0284% | 2,153 |
| Loan loss allowance to noncurrent loans | 47.2510% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 2.2241% | 3,168 |
| Noncurrent loans to loans | 4.2928% | 1,697 |
| Net loans and leases to total assets | 50.7594% | 6,241 |
| Net loans and leases to deposits | 59.9243% | 6,320 |
| Net loans and leases to core deposits | 63.6531% | 6,323 |
| Total domestic deposits to total assets | 84.7059% | 3,770 |
| Equity capital to assets | 15.1771% | 850 |
| Core capital (leverage) ratio | 15.3474% | 654 |
| Tier 1 risk-based capital ratio | 24.2881% | 914 |
| Total risk-based capital ratio | 25.5445% | 896 |
| Memoranda: | ||
| Average total assets | $54,172,500 | 6,468 |
| Average earning assets | $51,981,500 | 6,370 |
| Average equity | $8,330,000 | 5,683 |
| Average total loans | $32,297,000 | 6,379 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 3,577 |
| Cost of funding earning assets | 0.8202% | 6,850 |
| Net interest margin | 4.4562% | 1,302 |
| Noninterest income to average assets | 0.3407% | 5,426 |
| Noninterest expense to average assets | 1.9281% | 7,214 |
| Loan and lease loss provision to assets | 0.3257% | 3,793 |
| Net operating income to assets | 2.3586% | 178 |
| Return on assets (ROA) | 2.3586% | 190 |
| Pretax return on assets | 2.3586% | 302 |
| Return on Equity (ROE) | 15.2690% | 805 |
| Retained earnings to average equity (ytd only) | 9.4523% | 973 |
| Net charge-offs to loans | 0.5463% | 2,891 |
| Credit loss provision to net charge-offs | 95.6044% | 4,248 |
| Earnings coverage of net charge-offs (x) | 7.8791% | 2,220 |
| Efficiency ratio | 41.8019% | 7,598 |
| Assets per employee ($millions) | 6.8413% | 820 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9025% | 2,405 |
| Loan loss allowance to noncurrent loans | 242.4370% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 6,365 |
| Noncurrent loans to loans | 0.7847% | 5,707 |
| Net loans and leases to total assets | 54.3614% | 5,942 |
| Net loans and leases to deposits | 64.3802% | 5,991 |
| Net loans and leases to core deposits | 68.0621% | 6,048 |
| Total domestic deposits to total assets | 84.4382% | 3,899 |
| Equity capital to assets | 15.4102% | 791 |
| Core capital (leverage) ratio | 15.7648% | 599 |
| Tier 1 risk-based capital ratio | 23.6240% | 985 |
| Total risk-based capital ratio | 24.8789% | 965 |
| Memoranda: | ||
| Average total assets | $53,421,000 | 6,538 |
| Average earning assets | $51,209,330 | 6,435 |
| Average equity | $8,252,000 | 5,710 |
| Average total loans | $33,317,670 | 6,368 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5771% | 2,253 |
| Cost of funding earning assets | 0.8374% | 6,978 |
| Net interest margin | 4.7398% | 718 |
| Noninterest income to average assets | 0.3032% | 5,729 |
| Noninterest expense to average assets | 1.9406% | 7,264 |
| Loan and lease loss provision to assets | 0.2426% | 4,105 |
| Net operating income to assets | 2.6684% | 120 |
| Return on assets (ROA) | 2.6684% | 125 |
| Pretax return on assets | 2.6684% | 193 |
| Return on Equity (ROE) | 17.2528% | 584 |
| Retained earnings to average equity (ytd only) | 11.3712% | 852 |
| Net charge-offs to loans | 0.1838% | 3,818 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,036 |
| Efficiency ratio | 40.0000% | 7,735 |
| Assets per employee ($millions) | 6.6048% | 943 |
| Cash dividends to net income (ytd only)* | 34.0909% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7634% | 2,850 |
| Loan loss allowance to noncurrent loans | 250.8403% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 6,338 |
| Noncurrent loans to loans | 0.7030% | 5,927 |
| Net loans and leases to total assets | 62.9452% | 4,543 |
| Net loans and leases to deposits | 74.7561% | 4,636 |
| Net loans and leases to core deposits | 77.5449% | 5,079 |
| Total domestic deposits to total assets | 84.2008% | 4,049 |
| Equity capital to assets | 15.6649% | 726 |
| Core capital (leverage) ratio | 15.7414% | 621 |
| Tier 1 risk-based capital ratio | 21.4597% | 1,273 |
| Total risk-based capital ratio | 22.7145% | 1,252 |
| Memoranda: | ||
| Average total assets | $52,766,500 | 6,640 |
| Average earning assets | $50,635,500 | 6,525 |
| Average equity | $8,161,000 | 5,788 |
| Average total loans | $34,812,000 | 6,383 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5070% | 4,109 |
| Cost of funding earning assets | 1.1266% | 6,896 |
| Net interest margin | 4.3804% | 1,489 |
| Noninterest income to average assets | 0.3669% | 5,465 |
| Noninterest expense to average assets | 2.2617% | 6,842 |
| Loan and lease loss provision to assets | 0.0679% | 6,901 |
| Net operating income to assets | 2.1588% | 162 |
| Return on assets (ROA) | 2.1588% | 175 |
| Pretax return on assets | 2.1588% | 303 |
| Return on Equity (ROE) | 13.6831% | 838 |
| Retained earnings to average equity (ytd only) | 1.8704% | 3,783 |
| Net charge-offs to loans | 0.2798% | 4,883 |
| Credit loss provision to net charge-offs | 38.8889% | 6,834 |
| Earnings coverage of net charge-offs (x) | 12.7444% | 1,481 |
| Efficiency ratio | 50.3893% | 7,514 |
| Assets per employee ($millions) | 6.5869% | 951 |
| Cash dividends to net income (ytd only)* | 86.3309% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 3,181 |
| Loan loss allowance to noncurrent loans | 228.7402% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 6,244 |
| Noncurrent loans to loans | 0.7101% | 5,827 |
| Net loans and leases to total assets | 66.7748% | 3,975 |
| Net loans and leases to deposits | 81.4457% | 3,707 |
| Net loans and leases to core deposits | 118.6825% | 2,064 |
| Total domestic deposits to total assets | 81.9869% | 4,950 |
| Equity capital to assets | 15.2671% | 849 |
| Core capital (leverage) ratio | 15.6280% | 676 |
| Tier 1 risk-based capital ratio | 20.1306% | 1,439 |
| Total risk-based capital ratio | 21.3842% | 1,400 |
| Memoranda: | ||
| Average total assets | $51,511,000 | 6,651 |
| Average earning assets | $48,466,000 | 6,580 |
| Average equity | $8,126,800 | 5,878 |
| Average total loans | $32,170,800 | 6,514 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5710% | 4,027 |
| Cost of funding earning assets | 1.1922% | 6,912 |
| Net interest margin | 4.3788% | 1,497 |
| Noninterest income to average assets | 0.3515% | 5,679 |
| Noninterest expense to average assets | 2.1894% | 7,006 |
| Loan and lease loss provision to assets | 0.0521% | 6,856 |
| Net operating income to assets | 2.2024% | 179 |
| Return on assets (ROA) | 2.2024% | 198 |
| Pretax return on assets | 2.2024% | 347 |
| Return on Equity (ROE) | 13.8448% | 961 |
| Retained earnings to average equity (ytd only) | 7.9534% | 1,153 |
| Net charge-offs to loans | 0.1279% | 5,420 |
| Credit loss provision to net charge-offs | 66.6667% | 6,052 |
| Earnings coverage of net charge-offs (x) | 28.8660% | 957 |
| Efficiency ratio | 49.2677% | 7,602 |
| Assets per employee ($millions) | 5.6933% | 1,438 |
| Cash dividends to net income (ytd only)* | 42.5534% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0807% | 1,631 |
| Loan loss allowance to noncurrent loans | 251.4056% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 6,248 |
| Noncurrent loans to loans | 0.8276% | 5,642 |
| Net loans and leases to total assets | 57.4941% | 5,968 |
| Net loans and leases to deposits | 68.8833% | 6,043 |
| Net loans and leases to core deposits | 101.0080% | 4,264 |
| Total domestic deposits to total assets | 83.4660% | 3,980 |
| Equity capital to assets | 16.3525% | 730 |
| Core capital (leverage) ratio | 16.4889% | 615 |
| Tier 1 risk-based capital ratio | 23.9962% | 1,000 |
| Total risk-based capital ratio | 25.2535% | 976 |
| Memoranda: | ||
| Average total assets | $51,215,000 | 6,718 |
| Average earning assets | $47,865,750 | 6,655 |
| Average equity | $8,147,250 | 5,931 |
| Average total loans | $31,271,500 | 6,612 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6802% | 3,660 |
| Cost of funding earning assets | 1.2576% | 6,935 |
| Net interest margin | 4.4226% | 1,357 |
| Noninterest income to average assets | 0.3593% | 5,636 |
| Noninterest expense to average assets | 2.1091% | 7,257 |
| Loan and lease loss provision to assets | 0.0586% | 6,637 |
| Net operating income to assets | 2.3122% | 159 |
| Return on assets (ROA) | 2.3122% | 175 |
| Pretax return on assets | 2.3122% | 292 |
| Return on Equity (ROE) | 14.6716% | 878 |
| Retained earnings to average equity (ytd only) | 8.7237% | 1,002 |
| Net charge-offs to loans | 0.1453% | 4,731 |
| Credit loss provision to net charge-offs | 65.2174% | 5,503 |
| Earnings coverage of net charge-offs (x) | 26.3913% | 1,082 |
| Efficiency ratio | 47.0793% | 7,799 |
| Assets per employee ($millions) | 5.6348% | 1,469 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0674% | 1,446 |
| Loan loss allowance to noncurrent loans | 225.8993% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 6,055 |
| Noncurrent loans to loans | 0.9152% | 5,387 |
| Net loans and leases to total assets | 58.6615% | 5,880 |
| Net loans and leases to deposits | 70.2406% | 5,966 |
| Net loans and leases to core deposits | 102.7457% | 4,207 |
| Total domestic deposits to total assets | 83.5151% | 4,008 |
| Equity capital to assets | 16.2582% | 790 |
| Core capital (leverage) ratio | 16.0359% | 739 |
| Tier 1 risk-based capital ratio | 23.6436% | 1,073 |
| Total risk-based capital ratio | 24.8996% | 1,050 |
| Memoranda: | ||
| Average total assets | $51,206,670 | 6,781 |
| Average earning assets | $47,709,330 | 6,719 |
| Average equity | $8,070,000 | 5,994 |
| Average total loans | $31,666,670 | 6,632 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9090% | 2,751 |
| Cost of funding earning assets | 1.3103% | 6,991 |
| Net interest margin | 4.5987% | 940 |
| Noninterest income to average assets | 0.2876% | 6,138 |
| Noninterest expense to average assets | 2.1689% | 6,953 |
| Loan and lease loss provision to assets | 0.0777% | 5,983 |
| Net operating income to assets | 2.3244% | 182 |
| Return on assets (ROA) | 2.3244% | 212 |
| Pretax return on assets | 2.3244% | 349 |
| Return on Equity (ROE) | 14.9828% | 981 |
| Retained earnings to average equity (ytd only) | 8.9696% | 1,492 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4490% | 7,758 |
| Assets per employee ($millions) | 5.7993% | 1,322 |
| Cash dividends to net income (ytd only)* | 40.1338% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0962% | 1,243 |
| Loan loss allowance to noncurrent loans | 272.5738% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 6,126 |
| Noncurrent loans to loans | 0.7690% | 5,508 |
| Net loans and leases to total assets | 57.8074% | 5,972 |
| Net loans and leases to deposits | 68.5525% | 6,124 |
| Net loans and leases to core deposits | 99.1066% | 4,629 |
| Total domestic deposits to total assets | 84.3258% | 3,541 |
| Equity capital to assets | 15.4654% | 971 |
| Core capital (leverage) ratio | 15.6976% | 829 |
| Tier 1 risk-based capital ratio | 22.5248% | 1,244 |
| Total risk-based capital ratio | 23.7806% | 1,214 |
| Memoranda: | ||
| Average total assets | $51,453,500 | 6,803 |
| Average earning assets | $47,926,500 | 6,749 |
| Average equity | $7,982,500 | 6,070 |
| Average total loans | $32,311,500 | 6,630 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7505% | 1,862 |
| Cost of funding earning assets | 1.8974% | 6,732 |
| Net interest margin | 4.8530% | 700 |
| Noninterest income to average assets | 0.3260% | 6,113 |
| Noninterest expense to average assets | 2.3755% | 6,489 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.4828% | 130 |
| Return on assets (ROA) | 2.4828% | 133 |
| Pretax return on assets | 2.4828% | 206 |
| Return on Equity (ROE) | 15.2215% | 892 |
| Retained earnings to average equity (ytd only) | 2.1851% | 3,857 |
| Net charge-offs to loans | 0.1079% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 36.0588% | 1,020 |
| Efficiency ratio | 48.8954% | 7,743 |
| Assets per employee ($millions) | 5.0713% | 1,878 |
| Cash dividends to net income (ytd only)* | 85.6444% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 1,461 |
| Loan loss allowance to noncurrent loans | 261.7284% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 5,778 |
| Noncurrent loans to loans | 0.7188% | 5,236 |
| Net loans and leases to total assets | 65.4053% | 4,970 |
| Net loans and leases to deposits | 77.7538% | 5,372 |
| Net loans and leases to core deposits | 110.9999% | 3,685 |
| Total domestic deposits to total assets | 84.1185% | 3,263 |
| Equity capital to assets | 15.5641% | 1,034 |
| Core capital (leverage) ratio | 15.2761% | 964 |
| Tier 1 risk-based capital ratio | 20.8270% | 1,475 |
| Total risk-based capital ratio | 22.0830% | 1,451 |
| Memoranda: | ||
| Average total assets | $49,379,400 | 6,807 |
| Average earning assets | $46,115,400 | 6,763 |
| Average equity | $8,054,400 | 6,071 |
| Average total loans | $31,514,600 | 6,628 |