Home > The First National Bank of Ely > Performance and Condition Ratios
The First National Bank of Ely, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 4,320 |
| Cost of funding earning assets | 0.3490% | 4,337 |
| Net interest margin | 3.2947% | 2,652 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.7564% | 4,059 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.7050% | 730 |
| Return on assets (ROA) | 0.1166% | 4,265 |
| Pretax return on assets | 0.1166% | 4,263 |
| Return on Equity (ROE) | 5.7000% | 3,584 |
| Retained earnings to average equity (ytd only) | -36.6457% | 4,549 |
| Net charge-offs to loans | 0.0321% | 1,653 |
| Credit loss provision to net charge-offs | 866.6667% | 459 |
| Earnings coverage of net charge-offs (x) | 715.3333% | 200 |
| Efficiency ratio | 50.4388% | 3,953 |
| Assets per employee ($millions) | 10.7104% | 581 |
| Cash dividends to net income (ytd only)* | 743.4483% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6550% | 165 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 1,008 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 6.6900% | 4,458 |
| Net loans and leases to deposits | 6.9286% | 4,462 |
| Net loans and leases to core deposits | 6.9286% | 4,482 |
| Total domestic deposits to total assets | 96.5700% | 32 |
| Equity capital to assets | 3.3196% | 4,534 |
| Core capital (leverage) ratio | 11.0443% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $124,343,800 | 3,608 |
| Average earning assets | $118,341,600 | 3,561 |
| Average equity | $2,546,000 | 4,456 |
| Average total loans | $9,346,200 | 4,417 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 4,290 |
| Cost of funding earning assets | 0.3268% | 4,337 |
| Net interest margin | 3.2936% | 2,699 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.3590% | 4,421 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.9135% | 555 |
| Return on assets (ROA) | 1.9294% | 537 |
| Pretax return on assets | 1.9294% | 833 |
| Return on Equity (ROE) | 110.2400% | 18 |
| Retained earnings to average equity (ytd only) | 45.0531% | 39 |
| Net charge-offs to loans | 0.0414% | 1,292 |
| Credit loss provision to net charge-offs | 1,133.3333% | 376 |
| Earnings coverage of net charge-offs (x) | 614.0000% | 254 |
| Efficiency ratio | 41.0749% | 4,331 |
| Assets per employee ($millions) | 10.9130% | 513 |
| Cash dividends to net income (ytd only)* | 59.1333% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4739% | 201 |
| Loan loss allowance to noncurrent loans | 33.8392% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 1,065 |
| Noncurrent loans to loans | 7.3108% | 23 |
| Net loans and leases to total assets | 7.3200% | 4,484 |
| Net loans and leases to deposits | 7.3667% | 4,489 |
| Net loans and leases to core deposits | 7.3667% | 4,472 |
| Total domestic deposits to total assets | 99.4100% | 31 |
| Equity capital to assets | 0.5565% | 4,587 |
| Core capital (leverage) ratio | 12.4416% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $125,976,250 | 3,608 |
| Average earning assets | $120,352,750 | 3,549 |
| Average equity | $2,204,750 | 4,497 |
| Average total loans | $9,658,250 | 4,441 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 4,269 |
| Cost of funding earning assets | 0.2869% | 4,333 |
| Net interest margin | 3.2947% | 2,763 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.3505% | 4,451 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.9351% | 525 |
| Return on assets (ROA) | 1.9538% | 498 |
| Pretax return on assets | 1.9538% | 801 |
| Return on Equity (ROE) | 92.0100% | 24 |
| Retained earnings to average equity (ytd only) | 12.5874% | 871 |
| Net charge-offs to loans | 0.0608% | 939 |
| Credit loss provision to net charge-offs | 933.3333% | 430 |
| Earnings coverage of net charge-offs (x) | 422.0000% | 344 |
| Efficiency ratio | 40.5634% | 4,378 |
| Assets per employee ($millions) | 11.3190% | 467 |
| Cash dividends to net income (ytd only)* | 86.3200% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0339% | 394 |
| Loan loss allowance to noncurrent loans | 33.7481% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 1,050 |
| Noncurrent loans to loans | 6.0268% | 35 |
| Net loans and leases to total assets | 8.3900% | 4,509 |
| Net loans and leases to deposits | 8.5750% | 4,517 |
| Net loans and leases to core deposits | 8.5750% | 4,502 |
| Total domestic deposits to total assets | 97.9000% | 36 |
| Equity capital to assets | 1.7750% | 4,609 |
| Core capital (leverage) ratio | 11.6186% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $127,954,000 | 3,593 |
| Average earning assets | $122,681,667 | 3,531 |
| Average equity | $2,717,000 | 4,493 |
| Average total loans | $9,873,000 | 4,468 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 4,234 |
| Cost of funding earning assets | 0.1473% | 4,461 |
| Net interest margin | 3.3811% | 2,683 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.3418% | 4,517 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 2.0605% | 452 |
| Return on assets (ROA) | 2.1191% | 410 |
| Pretax return on assets | 2.1191% | 636 |
| Return on Equity (ROE) | 92.5100% | 26 |
| Retained earnings to average equity (ytd only) | 92.5097% | 17 |
| Net charge-offs to loans | 0.1266% | 516 |
| Credit loss provision to net charge-offs | 800.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 230.6667% | 462 |
| Efficiency ratio | 38.5980% | 4,476 |
| Assets per employee ($millions) | 11.4843% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2547% | 299 |
| Loan loss allowance to noncurrent loans | 34.5219% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 1,055 |
| Noncurrent loans to loans | 6.5312% | 35 |
| Net loans and leases to total assets | 7.3100% | 4,584 |
| Net loans and leases to deposits | 7.5480% | 4,589 |
| Net loans and leases to core deposits | 7.5480% | 4,573 |
| Total domestic deposits to total assets | 96.8400% | 32 |
| Equity capital to assets | 2.7516% | 4,609 |
| Core capital (leverage) ratio | 11.7330% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $129,676,500 | 3,622 |
| Average earning assets | $124,929,000 | 3,551 |
| Average equity | $2,970,500 | 4,542 |
| Average total loans | $9,475,000 | 4,538 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9297% | 4,214 |
| Cost of funding earning assets | 0.1387% | 4,182 |
| Net interest margin | 2.7910% | 3,911 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.3889% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4656% | 970 |
| Return on assets (ROA) | 1.4708% | 919 |
| Pretax return on assets | 1.4708% | 1,537 |
| Return on Equity (ROE) | 28.0200% | 146 |
| Retained earnings to average equity (ytd only) | 11.3052% | 825 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.6570% | 4,209 |
| Assets per employee ($millions) | 12.0933% | 380 |
| Cash dividends to net income (ytd only)* | 59.6491% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0415% | 400 |
| Loan loss allowance to noncurrent loans | 32.2795% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 1,127 |
| Noncurrent loans to loans | 6.3243% | 38 |
| Net loans and leases to total assets | 7.0000% | 4,616 |
| Net loans and leases to deposits | 7.1332% | 4,621 |
| Net loans and leases to core deposits | 7.1332% | 4,605 |
| Total domestic deposits to total assets | 98.1000% | 30 |
| Equity capital to assets | 1.8530% | 4,652 |
| Core capital (leverage) ratio | 11.1650% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $135,642,400 | 3,581 |
| Average earning assets | $131,209,200 | 3,515 |
| Average equity | $7,120,600 | 4,195 |
| Average total loans | $9,308,200 | 4,574 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7591% | 4,236 |
| Cost of funding earning assets | 0.1365% | 3,973 |
| Net interest margin | 2.6226% | 4,069 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.1484% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4996% | 855 |
| Return on assets (ROA) | 1.4928% | 849 |
| Pretax return on assets | 1.4928% | 1,431 |
| Return on Equity (ROE) | 24.5600% | 200 |
| Retained earnings to average equity (ytd only) | 12.7142% | 661 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.3690% | 4,481 |
| Assets per employee ($millions) | 13.5368% | 270 |
| Cash dividends to net income (ytd only)* | 48.2307% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1766% | 360 |
| Loan loss allowance to noncurrent loans | 32.6050% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 1,235 |
| Noncurrent loans to loans | 6.6756% | 31 |
| Net loans and leases to total assets | 6.4400% | 4,659 |
| Net loans and leases to deposits | 6.5698% | 4,666 |
| Net loans and leases to core deposits | 6.5698% | 4,650 |
| Total domestic deposits to total assets | 98.0400% | 52 |
| Equity capital to assets | 1.9325% | 4,661 |
| Core capital (leverage) ratio | 10.9454% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $136,296,500 | 3,595 |
| Average earning assets | $131,876,750 | 3,523 |
| Average equity | $8,284,500 | 4,111 |
| Average total loans | $9,259,500 | 4,607 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6180% | 4,260 |
| Cost of funding earning assets | 0.1377% | 3,737 |
| Net interest margin | 2.4803% | 4,117 |
| Noninterest income to average assets | 0.0908% | 4,526 |
| Noninterest expense to average assets | 1.1566% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3338% | 1,065 |
| Return on assets (ROA) | 1.3308% | 1,046 |
| Pretax return on assets | 1.3308% | 1,642 |
| Return on Equity (ROE) | 17.8691% | 485 |
| Retained earnings to average equity (ytd only) | 3.4008% | 3,310 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4433% | 4,431 |
| Assets per employee ($millions) | 11.8299% | 397 |
| Cash dividends to net income (ytd only)* | 80.9681% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0758% | 471 |
| Loan loss allowance to noncurrent loans | 32.3333% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 1,222 |
| Noncurrent loans to loans | 6.4199% | 31 |
| Net loans and leases to total assets | 7.0330% | 4,719 |
| Net loans and leases to deposits | 7.2366% | 4,726 |
| Net loans and leases to core deposits | 7.2366% | 4,717 |
| Total domestic deposits to total assets | 97.1874% | 40 |
| Equity capital to assets | 2.8026% | 4,699 |
| Core capital (leverage) ratio | 10.6087% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,606,000 | 3,632 |
| Average earning assets | $132,161,667 | 3,571 |
| Average equity | $10,174,000 | 3,964 |
| Average total loans | $9,375,000 | 4,670 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4072% | 4,374 |
| Cost of funding earning assets | 0.1300% | 3,776 |
| Net interest margin | 2.2772% | 4,269 |
| Noninterest income to average assets | 0.1001% | 4,507 |
| Noninterest expense to average assets | 1.1327% | 4,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1727% | 1,320 |
| Return on assets (ROA) | 1.1727% | 1,318 |
| Pretax return on assets | 1.1727% | 1,909 |
| Return on Equity (ROE) | 12.2047% | 1,253 |
| Retained earnings to average equity (ytd only) | 12.2047% | 576 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1315% | 4,353 |
| Assets per employee ($millions) | 12.2985% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0773% | 545 |
| Loan loss allowance to noncurrent loans | 31.3409% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 1,332 |
| Noncurrent loans to loans | 6.6281% | 38 |
| Net loans and leases to total assets | 6.7599% | 4,748 |
| Net loans and leases to deposits | 7.4291% | 4,754 |
| Net loans and leases to core deposits | 7.4291% | 4,744 |
| Total domestic deposits to total assets | 90.9922% | 1,038 |
| Equity capital to assets | 7.8886% | 3,654 |
| Core capital (leverage) ratio | 10.2497% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,844,500 | 3,620 |
| Average earning assets | $135,427,500 | 3,559 |
| Average equity | $13,437,500 | 3,714 |
| Average total loans | $9,389,500 | 4,692 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2945% | 4,589 |
| Cost of funding earning assets | 0.1352% | 4,111 |
| Net interest margin | 2.1593% | 4,508 |
| Noninterest income to average assets | 0.2072% | 4,126 |
| Noninterest expense to average assets | 1.2295% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0669% | 2,429 |
| Return on assets (ROA) | 1.0945% | 2,378 |
| Pretax return on assets | 1.0945% | 2,986 |
| Return on Equity (ROE) | 9.3527% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.6610% | 1,673 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5406% | 3,980 |
| Assets per employee ($millions) | 13.1278% | 302 |
| Cash dividends to net income (ytd only)* | 18.0879% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0551% | 564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 6.4028% | 4,793 |
| Net loans and leases to deposits | 7.2157% | 4,796 |
| Net loans and leases to core deposits | 7.2157% | 4,786 |
| Total domestic deposits to total assets | 88.7345% | 1,648 |
| Equity capital to assets | 11.2204% | 1,652 |
| Core capital (leverage) ratio | 9.6952% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,440,000 | 3,571 |
| Average earning assets | $136,849,200 | 3,510 |
| Average equity | $16,551,400 | 3,501 |
| Average total loans | $11,856,600 | 4,700 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2956% | 4,673 |
| Cost of funding earning assets | 0.1352% | 4,229 |
| Net interest margin | 2.1604% | 4,592 |
| Noninterest income to average assets | 0.1791% | 4,304 |
| Noninterest expense to average assets | 1.0765% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1921% | 2,195 |
| Return on assets (ROA) | 1.2348% | 2,107 |
| Pretax return on assets | 1.2348% | 2,821 |
| Return on Equity (ROE) | 10.4414% | 2,573 |
| Retained earnings to average equity (ytd only) | 9.2073% | 1,613 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4520% | 4,409 |
| Assets per employee ($millions) | 13.3100% | 280 |
| Cash dividends to net income (ytd only)* | 11.8189% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9447% | 708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 6.6812% | 4,865 |
| Net loans and leases to deposits | 7.5925% | 4,871 |
| Net loans and leases to core deposits | 7.5925% | 4,860 |
| Total domestic deposits to total assets | 87.9974% | 1,846 |
| Equity capital to assets | 11.9623% | 1,423 |
| Core capital (leverage) ratio | 9.8313% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,698,500 | 3,623 |
| Average earning assets | $136,081,500 | 3,555 |
| Average equity | $16,638,500 | 3,542 |
| Average total loans | $12,460,750 | 4,764 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2842% | 4,732 |
| Cost of funding earning assets | 0.1357% | 4,309 |
| Net interest margin | 2.1485% | 4,627 |
| Noninterest income to average assets | 0.1599% | 4,398 |
| Noninterest expense to average assets | 1.0735% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1629% | 2,322 |
| Return on assets (ROA) | 1.1499% | 2,425 |
| Pretax return on assets | 1.1499% | 3,058 |
| Return on Equity (ROE) | 9.7635% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.8793% | 2,118 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0026% | 4,385 |
| Assets per employee ($millions) | 12.7154% | 297 |
| Cash dividends to net income (ytd only)* | 19.2982% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 901 |
| Loan loss allowance to noncurrent loans | 1,385.7143% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,236 |
| Noncurrent loans to loans | 0.1291% | 3,542 |
| Net loans and leases to total assets | 7.6157% | 4,903 |
| Net loans and leases to deposits | 8.6777% | 4,907 |
| Net loans and leases to core deposits | 8.6777% | 4,898 |
| Total domestic deposits to total assets | 87.7614% | 1,953 |
| Equity capital to assets | 12.1642% | 1,292 |
| Core capital (leverage) ratio | 9.7969% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,794,667 | 3,648 |
| Average earning assets | $134,138,333 | 3,583 |
| Average equity | $16,346,667 | 3,573 |
| Average total loans | $13,289,000 | 4,782 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2537% | 4,775 |
| Cost of funding earning assets | 0.1377% | 4,395 |
| Net interest margin | 2.1160% | 4,669 |
| Noninterest income to average assets | 0.1215% | 4,585 |
| Noninterest expense to average assets | 1.0647% | 4,895 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1023% | 2,470 |
| Return on assets (ROA) | 1.1023% | 2,545 |
| Pretax return on assets | 1.1023% | 3,105 |
| Return on Equity (ROE) | 9.5173% | 2,849 |
| Retained earnings to average equity (ytd only) | 9.4423% | 1,814 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1322% | 4,256 |
| Assets per employee ($millions) | 12.4855% | 309 |
| Cash dividends to net income (ytd only)* | 0.7874% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 2,049 |
| Loan loss allowance to noncurrent loans | 473.1707% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,149 |
| Noncurrent loans to loans | 0.2917% | 3,060 |
| Net loans and leases to total assets | 10.0931% | 4,919 |
| Net loans and leases to deposits | 11.4526% | 4,923 |
| Net loans and leases to core deposits | 11.4526% | 4,918 |
| Total domestic deposits to total assets | 88.1295% | 1,776 |
| Equity capital to assets | 11.7984% | 1,392 |
| Core capital (leverage) ratio | 9.7102% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,257,500 | 3,660 |
| Average earning assets | $133,647,500 | 3,590 |
| Average equity | $16,013,000 | 3,603 |
| Average total loans | $14,510,500 | 4,791 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4255% | 4,859 |
| Cost of funding earning assets | 0.1433% | 4,745 |
| Net interest margin | 2.2821% | 4,732 |
| Noninterest income to average assets | 0.2884% | 3,759 |
| Noninterest expense to average assets | 1.4682% | 4,801 |
| Loan and lease loss provision to assets | 0.0139% | 4,202 |
| Net operating income to assets | 0.9207% | 2,607 |
| Return on assets (ROA) | 0.9737% | 2,532 |
| Pretax return on assets | 0.9737% | 3,133 |
| Return on Equity (ROE) | 8.6019% | 2,554 |
| Retained earnings to average equity (ytd only) | 6.1041% | 1,750 |
| Net charge-offs to loans | 0.0318% | 2,396 |
| Credit loss provision to net charge-offs | 425.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 286.7500% | 357 |
| Efficiency ratio | 61.1055% | 3,288 |
| Assets per employee ($millions) | 12.6522% | 284 |
| Cash dividends to net income (ytd only)* | 29.0377% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,430 |
| Loan loss allowance to noncurrent loans | 746.1538% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 3,184 |
| Noncurrent loans to loans | 0.1737% | 3,590 |
| Net loans and leases to total assets | 10.6133% | 4,939 |
| Net loans and leases to deposits | 12.4865% | 4,944 |
| Net loans and leases to core deposits | 12.4865% | 4,939 |
| Total domestic deposits to total assets | 84.9986% | 2,760 |
| Equity capital to assets | 11.3685% | 1,979 |
| Core capital (leverage) ratio | 8.7952% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,732,600 | 3,713 |
| Average earning assets | $113,709,600 | 3,714 |
| Average equity | $13,892,200 | 3,772 |
| Average total loans | $12,598,400 | 4,850 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5289% | 4,901 |
| Cost of funding earning assets | 0.1449% | 4,812 |
| Net interest margin | 2.3840% | 4,735 |
| Noninterest income to average assets | 0.3046% | 3,667 |
| Noninterest expense to average assets | 1.3814% | 4,872 |
| Loan and lease loss provision to assets | 0.0194% | 4,091 |
| Net operating income to assets | 1.0858% | 2,036 |
| Return on assets (ROA) | 1.1274% | 2,014 |
| Pretax return on assets | 1.1274% | 2,655 |
| Return on Equity (ROE) | 9.9726% | 2,026 |
| Retained earnings to average equity (ytd only) | 6.5225% | 1,877 |
| Net charge-offs to loans | 0.0444% | 1,990 |
| Credit loss provision to net charge-offs | 425.0000% | 1,413 |
| Earnings coverage of net charge-offs (x) | 245.7500% | 413 |
| Efficiency ratio | 55.5606% | 3,977 |
| Assets per employee ($millions) | 12.3825% | 298 |
| Cash dividends to net income (ytd only)* | 34.5962% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,345 |
| Loan loss allowance to noncurrent loans | 197.9592% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,048 |
| Noncurrent loans to loans | 0.6374% | 2,202 |
| Net loans and leases to total assets | 11.1463% | 4,971 |
| Net loans and leases to deposits | 13.6769% | 4,972 |
| Net loans and leases to core deposits | 13.6769% | 4,971 |
| Total domestic deposits to total assets | 81.4973% | 3,540 |
| Equity capital to assets | 11.1066% | 2,319 |
| Core capital (leverage) ratio | 8.8404% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,622,250 | 3,760 |
| Average earning assets | $108,554,500 | 3,781 |
| Average equity | $13,409,750 | 3,830 |
| Average total loans | $12,006,750 | 4,888 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7505% | 4,922 |
| Cost of funding earning assets | 0.1467% | 4,889 |
| Net interest margin | 2.6038% | 4,650 |
| Noninterest income to average assets | 0.4505% | 2,805 |
| Noninterest expense to average assets | 1.5360% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2433% | 1,513 |
| Return on assets (ROA) | 1.2309% | 1,669 |
| Pretax return on assets | 1.2309% | 2,254 |
| Return on Equity (ROE) | 10.7778% | 1,712 |
| Retained earnings to average equity (ytd only) | 5.3889% | 2,315 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2648% | 4,034 |
| Assets per employee ($millions) | 11.7300% | 331 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,490 |
| Loan loss allowance to noncurrent loans | 464.1026% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 3,319 |
| Noncurrent loans to loans | 0.2595% | 3,455 |
| Net loans and leases to total assets | 11.5074% | 5,005 |
| Net loans and leases to deposits | 14.1901% | 5,006 |
| Net loans and leases to core deposits | 14.1901% | 5,000 |
| Total domestic deposits to total assets | 81.0943% | 3,582 |
| Equity capital to assets | 11.1269% | 2,230 |
| Core capital (leverage) ratio | 9.6392% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,760,667 | 3,821 |
| Average earning assets | $100,853,667 | 3,873 |
| Average equity | $12,878,333 | 3,885 |
| Average total loans | $10,883,667 | 4,945 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6918% | 5,018 |
| Cost of funding earning assets | 0.1438% | 4,983 |
| Net interest margin | 2.5480% | 4,790 |
| Noninterest income to average assets | 0.1567% | 4,588 |
| Noninterest expense to average assets | 1.4146% | 4,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1125% | 1,804 |
| Return on assets (ROA) | 1.1125% | 1,897 |
| Pretax return on assets | 1.1125% | 2,470 |
| Return on Equity (ROE) | 9.5889% | 1,882 |
| Retained earnings to average equity (ytd only) | 9.5560% | 831 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9758% | 4,211 |
| Assets per employee ($millions) | 9.3953% | 460 |
| Cash dividends to net income (ytd only)* | 0.3436% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 454 |
| Loan loss allowance to noncurrent loans | 420.9302% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,178 |
| Noncurrent loans to loans | 0.4919% | 2,787 |
| Net loans and leases to total assets | 8.2837% | 5,066 |
| Net loans and leases to deposits | 9.3666% | 5,070 |
| Net loans and leases to core deposits | 9.3666% | 5,061 |
| Total domestic deposits to total assets | 88.4381% | 915 |
| Equity capital to assets | 11.5493% | 2,397 |
| Core capital (leverage) ratio | 10.9621% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,626,000 | 3,920 |
| Average earning assets | $97,331,500 | 3,907 |
| Average equity | $12,139,000 | 3,982 |
| Average total loans | $8,811,000 | 5,013 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2279% | 4,988 |
| Cost of funding earning assets | 0.1571% | 5,036 |
| Net interest margin | 3.0708% | 4,416 |
| Noninterest income to average assets | 0.2040% | 4,441 |
| Noninterest expense to average assets | 1.7295% | 4,846 |
| Loan and lease loss provision to assets | 0.1334% | 1,595 |
| Net operating income to assets | 1.1755% | 2,151 |
| Return on assets (ROA) | 1.1862% | 2,208 |
| Pretax return on assets | 1.1862% | 2,887 |
| Return on Equity (ROE) | 10.7684% | 1,980 |
| Retained earnings to average equity (ytd only) | -1.5271% | 4,848 |
| Net charge-offs to loans | 0.5719% | 322 |
| Credit loss provision to net charge-offs | 276.0000% | 1,019 |
| Earnings coverage of net charge-offs (x) | 27.0800% | 1,674 |
| Efficiency ratio | 56.9201% | 4,099 |
| Assets per employee ($millions) | 9.6276% | 392 |
| Cash dividends to net income (ytd only)* | 114.1809% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0383% | 434 |
| Loan loss allowance to noncurrent loans | 377.0833% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,175 |
| Noncurrent loans to loans | 0.5405% | 2,556 |
| Net loans and leases to total assets | 8.2140% | 5,124 |
| Net loans and leases to deposits | 9.3035% | 5,134 |
| Net loans and leases to core deposits | 9.3035% | 5,128 |
| Total domestic deposits to total assets | 88.2894% | 985 |
| Equity capital to assets | 11.6540% | 2,381 |
| Core capital (leverage) ratio | 10.6195% | 2,837 |
| Tier 1 risk-based capital ratio | 29.7670% | 482 |
| Total risk-based capital ratio | 30.2523% | 506 |
| Memoranda: | ||
| Average total assets | $103,441,200 | 3,944 |
| Average earning assets | $95,481,400 | 3,943 |
| Average equity | $11,394,400 | 4,068 |
| Average total loans | $8,742,800 | 5,076 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3243% | 5,054 |
| Cost of funding earning assets | 0.1597% | 5,105 |
| Net interest margin | 3.1646% | 4,371 |
| Noninterest income to average assets | 0.2010% | 4,513 |
| Noninterest expense to average assets | 1.5093% | 5,062 |
| Loan and lease loss provision to assets | 0.1776% | 1,034 |
| Net operating income to assets | 1.4432% | 1,347 |
| Return on assets (ROA) | 1.4574% | 1,362 |
| Pretax return on assets | 1.4574% | 2,087 |
| Return on Equity (ROE) | 13.4316% | 1,131 |
| Retained earnings to average equity (ytd only) | 1.0397% | 4,557 |
| Net charge-offs to loans | 0.7656% | 210 |
| Credit loss provision to net charge-offs | 274.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 24.9982% | 1,777 |
| Efficiency ratio | 48.2187% | 4,841 |
| Assets per employee ($millions) | 9.4695% | 410 |
| Cash dividends to net income (ytd only)* | 92.2596% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0733% | 407 |
| Loan loss allowance to noncurrent loans | 148.3607% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 2,352 |
| Noncurrent loans to loans | 1.3975% | 1,094 |
| Net loans and leases to total assets | 8.2072% | 5,208 |
| Net loans and leases to deposits | 9.3418% | 5,212 |
| Net loans and leases to core deposits | 9.3418% | 5,207 |
| Total domestic deposits to total assets | 87.8539% | 1,099 |
| Equity capital to assets | 12.1365% | 2,156 |
| Core capital (leverage) ratio | 11.0026% | 2,638 |
| Tier 1 risk-based capital ratio | 34.3011% | 366 |
| Total risk-based capital ratio | 34.8474% | 379 |
| Memoranda: | ||
| Average total assets | $102,825,500 | 3,998 |
| Average earning assets | $95,175,000 | 3,997 |
| Average equity | $11,157,500 | 4,136 |
| Average total loans | $8,708,500 | 5,156 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4261% | 5,063 |
| Cost of funding earning assets | 0.1601% | 5,145 |
| Net interest margin | 3.2659% | 4,208 |
| Noninterest income to average assets | 0.1914% | 4,607 |
| Noninterest expense to average assets | 1.5921% | 5,066 |
| Loan and lease loss provision to assets | 0.1719% | 1,059 |
| Net operating income to assets | 1.4554% | 1,281 |
| Return on assets (ROA) | 1.4632% | 1,308 |
| Pretax return on assets | 1.4632% | 1,978 |
| Return on Equity (ROE) | 14.0490% | 969 |
| Retained earnings to average equity (ytd only) | -5.4020% | 5,073 |
| Net charge-offs to loans | 0.3448% | 489 |
| Credit loss provision to net charge-offs | 586.6667% | 540 |
| Earnings coverage of net charge-offs (x) | 55.5333% | 1,030 |
| Efficiency ratio | 49.4539% | 4,814 |
| Assets per employee ($millions) | 8.6378% | 534 |
| Cash dividends to net income (ytd only)* | 138.4513% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8736% | 593 |
| Loan loss allowance to noncurrent loans | 97.0760% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 2,220 |
| Noncurrent loans to loans | 1.9300% | 752 |
| Net loans and leases to total assets | 8.3876% | 5,255 |
| Net loans and leases to deposits | 9.4370% | 5,260 |
| Net loans and leases to core deposits | 9.4370% | 5,253 |
| Total domestic deposits to total assets | 88.8802% | 714 |
| Equity capital to assets | 11.0552% | 2,989 |
| Core capital (leverage) ratio | 10.8140% | 2,775 |
| Tier 1 risk-based capital ratio | 35.0937% | 337 |
| Total risk-based capital ratio | 35.6237% | 349 |
| Memoranda: | ||
| Average total assets | $102,379,000 | 4,029 |
| Average earning assets | $94,919,330 | 4,013 |
| Average equity | $10,662,670 | 4,219 |
| Average total loans | $8,701,330 | 5,202 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5033% | 5,046 |
| Cost of funding earning assets | 0.1547% | 5,203 |
| Net interest margin | 3.3486% | 4,033 |
| Noninterest income to average assets | 0.1966% | 4,582 |
| Noninterest expense to average assets | 1.5805% | 5,113 |
| Loan and lease loss provision to assets | 0.3460% | 347 |
| Net operating income to assets | 1.4193% | 1,325 |
| Return on assets (ROA) | 1.5647% | 1,000 |
| Pretax return on assets | 1.5647% | 1,559 |
| Return on Equity (ROE) | 15.5098% | 661 |
| Retained earnings to average equity (ytd only) | -3.0786% | 4,818 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2385% | 4,972 |
| Assets per employee ($millions) | 8.5526% | 552 |
| Cash dividends to net income (ytd only)* | 119.8492% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1584% | 379 |
| Loan loss allowance to noncurrent loans | 102.2599% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 2,233 |
| Noncurrent loans to loans | 2.1107% | 691 |
| Net loans and leases to total assets | 7.9947% | 5,318 |
| Net loans and leases to deposits | 8.9197% | 5,317 |
| Net loans and leases to core deposits | 8.9197% | 5,312 |
| Total domestic deposits to total assets | 89.6289% | 586 |
| Equity capital to assets | 10.3390% | 3,486 |
| Core capital (leverage) ratio | 11.0763% | 2,508 |
| Tier 1 risk-based capital ratio | 35.1055% | 321 |
| Total risk-based capital ratio | 35.6729% | 333 |
| Memoranda: | ||
| Average total assets | $101,742,000 | 4,076 |
| Average earning assets | $95,681,500 | 4,048 |
| Average equity | $10,264,500 | 4,286 |
| Average total loans | $8,622,000 | 5,265 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1761% | 5,161 |
| Cost of funding earning assets | 0.1620% | 5,143 |
| Net interest margin | 3.0141% | 4,784 |
| Noninterest income to average assets | 0.1989% | 4,712 |
| Noninterest expense to average assets | 1.9618% | 4,804 |
| Loan and lease loss provision to assets | -0.0567% | 5,209 |
| Net operating income to assets | 1.0736% | 2,704 |
| Return on assets (ROA) | 1.0963% | 2,614 |
| Pretax return on assets | 1.0963% | 3,286 |
| Return on Equity (ROE) | 10.7312% | 2,197 |
| Retained earnings to average equity (ytd only) | 7.6752% | 1,385 |
| Net charge-offs to loans | 0.9908% | 148 |
| Credit loss provision to net charge-offs | -61.1111% | 4,347 |
| Earnings coverage of net charge-offs (x) | 10.9667% | 2,668 |
| Efficiency ratio | 65.8596% | 2,888 |
| Assets per employee ($millions) | 8.4044% | 579 |
| Cash dividends to net income (ytd only)* | 28.4774% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,384 |
| Loan loss allowance to noncurrent loans | 95.8763% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 2,420 |
| Noncurrent loans to loans | 1.0951% | 1,481 |
| Net loans and leases to total assets | 8.6909% | 5,357 |
| Net loans and leases to deposits | 9.6467% | 5,361 |
| Net loans and leases to core deposits | 9.6467% | 5,355 |
| Total domestic deposits to total assets | 90.0915% | 443 |
| Equity capital to assets | 9.8341% | 3,831 |
| Core capital (leverage) ratio | 11.4436% | 2,145 |
| Tier 1 risk-based capital ratio | 36.1613% | 292 |
| Total risk-based capital ratio | 36.4595% | 308 |
| Memoranda: | ||
| Average total assets | $97,055,200 | 4,149 |
| Average earning assets | $89,513,000 | 4,151 |
| Average equity | $9,915,000 | 4,312 |
| Average total loans | $9,083,600 | 5,303 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0130% | 5,282 |
| Cost of funding earning assets | 0.1630% | 5,175 |
| Net interest margin | 2.8499% | 5,036 |
| Noninterest income to average assets | 0.1845% | 4,864 |
| Noninterest expense to average assets | 1.8632% | 4,958 |
| Loan and lease loss provision to assets | -0.0763% | 5,325 |
| Net operating income to assets | 1.0169% | 3,017 |
| Return on assets (ROA) | 1.0419% | 2,918 |
| Pretax return on assets | 1.0419% | 3,599 |
| Return on Equity (ROE) | 10.0997% | 2,574 |
| Retained earnings to average equity (ytd only) | 6.0249% | 2,645 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4523% | 2,791 |
| Assets per employee ($millions) | 8.9661% | 454 |
| Cash dividends to net income (ytd only)* | 40.3461% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0048% | 479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 2,852 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 9.0695% | 5,431 |
| Net loans and leases to deposits | 10.0112% | 5,437 |
| Net loans and leases to core deposits | 10.0112% | 5,429 |
| Total domestic deposits to total assets | 90.5939% | 314 |
| Equity capital to assets | 9.4001% | 4,179 |
| Core capital (leverage) ratio | 11.2314% | 2,392 |
| Tier 1 risk-based capital ratio | 35.5696% | 312 |
| Total risk-based capital ratio | 36.1627% | 322 |
| Memoranda: | ||
| Average total assets | $96,105,750 | 4,208 |
| Average earning assets | $88,327,000 | 4,217 |
| Average equity | $9,914,250 | 4,353 |
| Average total loans | $9,140,000 | 5,370 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9367% | 5,353 |
| Cost of funding earning assets | 0.1624% | 5,192 |
| Net interest margin | 2.7744% | 5,151 |
| Noninterest income to average assets | 0.2015% | 4,814 |
| Noninterest expense to average assets | 2.0448% | 4,714 |
| Loan and lease loss provision to assets | -0.1155% | 5,435 |
| Net operating income to assets | 0.8188% | 3,791 |
| Return on assets (ROA) | 0.8566% | 3,643 |
| Pretax return on assets | 0.8566% | 4,088 |
| Return on Equity (ROE) | 8.0563% | 3,475 |
| Retained earnings to average equity (ytd only) | 8.0563% | 1,607 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4079% | 1,649 |
| Assets per employee ($millions) | 8.1363% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 2,885 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 9.8223% | 5,489 |
| Net loans and leases to deposits | 10.9189% | 5,496 |
| Net loans and leases to core deposits | 10.9189% | 5,492 |
| Total domestic deposits to total assets | 89.9565% | 589 |
| Equity capital to assets | 10.0067% | 3,612 |
| Core capital (leverage) ratio | 11.6335% | 1,954 |
| Tier 1 risk-based capital ratio | 36.4218% | 293 |
| Total risk-based capital ratio | 37.0312% | 305 |
| Memoranda: | ||
| Average total assets | $95,265,330 | 4,260 |
| Average earning assets | $87,443,670 | 4,267 |
| Average equity | $10,128,670 | 4,364 |
| Average total loans | $9,144,000 | 5,428 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9598% | 5,393 |
| Cost of funding earning assets | 0.1614% | 5,218 |
| Net interest margin | 2.7985% | 5,160 |
| Noninterest income to average assets | 0.2168% | 4,707 |
| Noninterest expense to average assets | 2.2704% | 4,252 |
| Loan and lease loss provision to assets | -0.2338% | 5,559 |
| Net operating income to assets | 0.7611% | 3,872 |
| Return on assets (ROA) | 0.8078% | 3,685 |
| Pretax return on assets | 0.8078% | 4,129 |
| Return on Equity (ROE) | 7.3729% | 3,644 |
| Retained earnings to average equity (ytd only) | 7.3729% | 2,117 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1550% | 1,030 |
| Assets per employee ($millions) | 7.8585% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 2,934 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 9.5205% | 5,552 |
| Net loans and leases to deposits | 10.6398% | 5,558 |
| Net loans and leases to core deposits | 10.6398% | 5,551 |
| Total domestic deposits to total assets | 89.4795% | 899 |
| Equity capital to assets | 10.5088% | 3,070 |
| Core capital (leverage) ratio | 11.4370% | 2,059 |
| Tier 1 risk-based capital ratio | 38.0165% | 256 |
| Total risk-based capital ratio | 38.6656% | 264 |
| Memoranda: | ||
| Average total assets | $94,080,500 | 4,325 |
| Average earning assets | $86,762,000 | 4,328 |
| Average equity | $10,308,000 | 4,383 |
| Average total loans | $8,829,500 | 5,495 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5030% | 5,552 |
| Cost of funding earning assets | 0.1643% | 5,186 |
| Net interest margin | 2.3386% | 5,493 |
| Noninterest income to average assets | 0.1604% | 5,158 |
| Noninterest expense to average assets | 1.6817% | 5,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6406% | 3,850 |
| Return on assets (ROA) | -0.3559% | 5,490 |
| Pretax return on assets | -0.3559% | 5,522 |
| Return on Equity (ROE) | -3.2318% | 5,493 |
| Retained earnings to average equity (ytd only) | -3.2318% | 5,355 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4154% | 2,162 |
| Assets per employee ($millions) | 7.2199% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8007% | 177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 2,482 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 8.8004% | 5,623 |
| Net loans and leases to deposits | 9.9415% | 5,628 |
| Net loans and leases to core deposits | 9.9415% | 5,623 |
| Total domestic deposits to total assets | 88.5221% | 1,241 |
| Equity capital to assets | 11.4065% | 2,276 |
| Core capital (leverage) ratio | 11.2530% | 2,128 |
| Tier 1 risk-based capital ratio | 39.9636% | 217 |
| Total risk-based capital ratio | 40.8670% | 217 |
| Memoranda: | ||
| Average total assets | $94,129,200 | 4,343 |
| Average earning assets | $87,016,400 | 4,347 |
| Average equity | $10,365,800 | 4,396 |
| Average total loans | $9,717,400 | 5,544 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4238% | 5,639 |
| Cost of funding earning assets | 0.1653% | 5,223 |
| Net interest margin | 2.2585% | 5,588 |
| Noninterest income to average assets | 0.1288% | 5,362 |
| Noninterest expense to average assets | 1.6532% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5648% | 4,530 |
| Return on assets (ROA) | 0.3539% | 5,119 |
| Pretax return on assets | 0.3539% | 5,253 |
| Return on Equity (ROE) | 3.2423% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.2423% | 3,996 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5373% | 1,813 |
| Assets per employee ($millions) | 7.1762% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3917% | 303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,661 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 10.4116% | 5,685 |
| Net loans and leases to deposits | 11.7562% | 5,692 |
| Net loans and leases to core deposits | 11.7562% | 5,684 |
| Total domestic deposits to total assets | 88.5625% | 1,094 |
| Equity capital to assets | 11.4235% | 2,444 |
| Core capital (leverage) ratio | 11.7771% | 1,833 |
| Tier 1 risk-based capital ratio | 37.7390% | 265 |
| Total risk-based capital ratio | 38.5472% | 270 |
| Memoranda: | ||
| Average total assets | $94,196,750 | 4,380 |
| Average earning assets | $87,135,500 | 4,389 |
| Average equity | $10,280,750 | 4,448 |
| Average total loans | $10,022,250 | 5,599 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2021% | 5,712 |
| Cost of funding earning assets | 0.1653% | 5,239 |
| Net interest margin | 2.0368% | 5,685 |
| Noninterest income to average assets | 0.0952% | 5,538 |
| Noninterest expense to average assets | 1.6042% | 5,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3683% | 5,048 |
| Return on assets (ROA) | 0.0444% | 5,535 |
| Pretax return on assets | 0.0444% | 5,531 |
| Return on Equity (ROE) | 0.4136% | 5,530 |
| Retained earnings to average equity (ytd only) | 0.4136% | 4,994 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3305% | 1,071 |
| Assets per employee ($millions) | 7.4195% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0669% | 537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 2,774 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 11.6916% | 5,731 |
| Net loans and leases to deposits | 13.1793% | 5,738 |
| Net loans and leases to core deposits | 13.1793% | 5,731 |
| Total domestic deposits to total assets | 88.7117% | 1,099 |
| Equity capital to assets | 11.2665% | 2,531 |
| Core capital (leverage) ratio | 11.9606% | 1,652 |
| Tier 1 risk-based capital ratio | 40.4058% | 207 |
| Total risk-based capital ratio | 41.2545% | 205 |
| Memoranda: | ||
| Average total assets | $94,499,000 | 4,404 |
| Average earning assets | $87,097,000 | 4,416 |
| Average equity | $10,155,330 | 4,483 |
| Average total loans | $10,046,000 | 5,647 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0822% | 5,790 |
| Cost of funding earning assets | 0.1619% | 5,290 |
| Net interest margin | 1.9202% | 5,769 |
| Noninterest income to average assets | 0.0941% | 5,613 |
| Noninterest expense to average assets | 1.5868% | 5,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2823% | 5,237 |
| Return on assets (ROA) | -0.4705% | 5,732 |
| Pretax return on assets | -0.4705% | 5,725 |
| Return on Equity (ROE) | -4.4900% | 5,733 |
| Retained earnings to average equity (ytd only) | -4.4900% | 5,356 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8970% | 897 |
| Assets per employee ($millions) | 7.1952% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4648% | 323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 2,781 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 10.0687% | 5,805 |
| Net loans and leases to deposits | 11.2858% | 5,806 |
| Net loans and leases to core deposits | 11.2858% | 5,799 |
| Total domestic deposits to total assets | 89.2160% | 1,045 |
| Equity capital to assets | 10.7743% | 2,885 |
| Core capital (leverage) ratio | 12.0142% | 1,619 |
| Tier 1 risk-based capital ratio | 40.6312% | 215 |
| Total risk-based capital ratio | 41.4946% | 218 |
| Memoranda: | ||
| Average total assets | $93,521,500 | 4,472 |
| Average earning assets | $86,449,000 | 4,471 |
| Average equity | $9,799,500 | 4,573 |
| Average total loans | $9,311,500 | 5,725 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8521% | 5,616 |
| Cost of funding earning assets | 0.1611% | 5,351 |
| Net interest margin | 2.6911% | 5,429 |
| Noninterest income to average assets | 0.1069% | 5,626 |
| Noninterest expense to average assets | 1.8531% | 5,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7980% | 3,313 |
| Return on assets (ROA) | 0.6857% | 3,957 |
| Pretax return on assets | 0.6857% | 4,540 |
| Return on Equity (ROE) | 5.9888% | 3,988 |
| Retained earnings to average equity (ytd only) | 3.3575% | 3,532 |
| Net charge-offs to loans | 0.3697% | 734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 19.9730% | 1,884 |
| Efficiency ratio | 69.8982% | 2,917 |
| Assets per employee ($millions) | 8.5005% | 500 |
| Cash dividends to net income (ytd only)* | 43.9370% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6542% | 267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 2,877 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 9.3352% | 5,864 |
| Net loans and leases to deposits | 10.4055% | 5,866 |
| Net loans and leases to core deposits | 10.4055% | 5,860 |
| Total domestic deposits to total assets | 89.7140% | 768 |
| Equity capital to assets | 10.1822% | 3,504 |
| Core capital (leverage) ratio | 12.1718% | 1,493 |
| Tier 1 risk-based capital ratio | 40.8141% | 212 |
| Total risk-based capital ratio | 41.6730% | 212 |
| Memoranda: | ||
| Average total assets | $92,602,400 | 4,499 |
| Average earning assets | $87,548,200 | 4,447 |
| Average equity | $10,603,200 | 4,477 |
| Average total loans | $10,009,200 | 5,768 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9276% | 5,633 |
| Cost of funding earning assets | 0.1608% | 5,407 |
| Net interest margin | 2.7668% | 5,411 |
| Noninterest income to average assets | 0.0852% | 5,755 |
| Noninterest expense to average assets | 1.7407% | 5,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9771% | 2,533 |
| Return on assets (ROA) | 1.0897% | 2,144 |
| Pretax return on assets | 1.0897% | 3,273 |
| Return on Equity (ROE) | 9.2575% | 2,379 |
| Retained earnings to average equity (ytd only) | 5.8365% | 2,278 |
| Net charge-offs to loans | 0.4803% | 439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.2980% | 2,002 |
| Efficiency ratio | 64.0467% | 3,924 |
| Assets per employee ($millions) | 7.7968% | 636 |
| Cash dividends to net income (ytd only)* | 36.9536% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5034% | 333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 3,056 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 9.9068% | 5,931 |
| Net loans and leases to deposits | 11.3306% | 5,935 |
| Net loans and leases to core deposits | 11.3306% | 5,927 |
| Total domestic deposits to total assets | 87.4340% | 1,701 |
| Equity capital to assets | 12.5564% | 1,744 |
| Core capital (leverage) ratio | 12.3632% | 1,458 |
| Tier 1 risk-based capital ratio | 37.3700% | 276 |
| Total risk-based capital ratio | 38.1482% | 291 |
| Memoranda: | ||
| Average total assets | $92,376,500 | 4,540 |
| Average earning assets | $87,895,750 | 4,469 |
| Average equity | $10,873,750 | 4,485 |
| Average total loans | $10,269,750 | 5,822 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9402% | 5,693 |
| Cost of funding earning assets | 0.1592% | 5,487 |
| Net interest margin | 2.7810% | 5,456 |
| Noninterest income to average assets | 0.0652% | 5,871 |
| Noninterest expense to average assets | 1.7634% | 5,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9611% | 2,571 |
| Return on assets (ROA) | 1.1328% | 1,954 |
| Pretax return on assets | 1.1328% | 3,074 |
| Return on Equity (ROE) | 9.8466% | 2,116 |
| Retained earnings to average equity (ytd only) | 4.5737% | 3,002 |
| Net charge-offs to loans | 0.7032% | 298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.9459% | 2,219 |
| Efficiency ratio | 64.7247% | 3,895 |
| Assets per employee ($millions) | 7.0680% | 846 |
| Cash dividends to net income (ytd only)* | 53.5509% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4148% | 404 |
| Loan loss allowance to noncurrent loans | 1,252.6316% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 3,054 |
| Noncurrent loans to loans | 0.1928% | 4,663 |
| Net loans and leases to total assets | 10.4675% | 6,007 |
| Net loans and leases to deposits | 11.9290% | 6,012 |
| Net loans and leases to core deposits | 11.9290% | 6,004 |
| Total domestic deposits to total assets | 87.7487% | 1,550 |
| Equity capital to assets | 12.2415% | 1,947 |
| Core capital (leverage) ratio | 12.1476% | 1,543 |
| Tier 1 risk-based capital ratio | 35.9711% | 311 |
| Total risk-based capital ratio | 36.7357% | 317 |
| Memoranda: | ||
| Average total assets | $91,981,330 | 4,581 |
| Average earning assets | $87,953,330 | 4,504 |
| Average equity | $10,582,330 | 4,550 |
| Average total loans | $10,524,000 | 5,891 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8104% | 5,851 |
| Cost of funding earning assets | 0.1574% | 5,557 |
| Net interest margin | 2.6531% | 5,661 |
| Noninterest income to average assets | 0.0695% | 5,907 |
| Noninterest expense to average assets | 1.7516% | 5,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8823% | 2,843 |
| Return on assets (ROA) | 0.9953% | 2,416 |
| Pretax return on assets | 0.9953% | 3,497 |
| Return on Equity (ROE) | 8.9370% | 2,455 |
| Retained earnings to average equity (ytd only) | 8.9370% | 1,134 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5017% | 3,717 |
| Assets per employee ($millions) | 7.6642% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5684% | 363 |
| Loan loss allowance to noncurrent loans | 43.3754% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 2,990 |
| Noncurrent loans to loans | 5.9214% | 146 |
| Net loans and leases to total assets | 11.3428% | 6,068 |
| Net loans and leases to deposits | 12.8258% | 6,071 |
| Net loans and leases to core deposits | 12.8258% | 6,063 |
| Total domestic deposits to total assets | 88.4375% | 1,383 |
| Equity capital to assets | 11.5538% | 2,393 |
| Core capital (leverage) ratio | 12.2275% | 1,480 |
| Tier 1 risk-based capital ratio | 34.4867% | 350 |
| Total risk-based capital ratio | 35.3348% | 359 |
| Memoranda: | ||
| Average total assets | $92,030,000 | 4,614 |
| Average earning assets | $88,954,000 | 4,528 |
| Average equity | $10,249,500 | 4,623 |
| Average total loans | $10,858,000 | 5,941 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9377% | 5,786 |
| Cost of funding earning assets | 0.1655% | 5,571 |
| Net interest margin | 2.7722% | 5,566 |
| Noninterest income to average assets | 0.0974% | 5,881 |
| Noninterest expense to average assets | 1.8528% | 5,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8667% | 3,037 |
| Return on assets (ROA) | 0.2681% | 5,520 |
| Pretax return on assets | 0.2681% | 5,585 |
| Return on Equity (ROE) | 2.4930% | 5,457 |
| Retained earnings to average equity (ytd only) | -0.3460% | 5,564 |
| Net charge-offs to loans | 1.7831% | 77 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.9600% | 3,629 |
| Efficiency ratio | 68.1288% | 3,547 |
| Assets per employee ($millions) | 7.6742% | 639 |
| Cash dividends to net income (ytd only)* | 113.8776% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4980% | 394 |
| Loan loss allowance to noncurrent loans | 43.3754% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 2,984 |
| Noncurrent loans to loans | 5.7589% | 150 |
| Net loans and leases to total assets | 11.6560% | 6,124 |
| Net loans and leases to deposits | 13.0663% | 6,130 |
| Net loans and leases to core deposits | 13.0663% | 6,121 |
| Total domestic deposits to total assets | 89.2062% | 1,017 |
| Equity capital to assets | 10.7210% | 3,105 |
| Core capital (leverage) ratio | 11.9870% | 1,623 |
| Tier 1 risk-based capital ratio | 32.6732% | 407 |
| Total risk-based capital ratio | 33.4934% | 415 |
| Memoranda: | ||
| Average total assets | $91,376,600 | 4,640 |
| Average earning assets | $86,428,200 | 4,579 |
| Average equity | $9,827,400 | 4,683 |
| Average total loans | $11,216,400 | 5,989 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0394% | 5,774 |
| Cost of funding earning assets | 0.1661% | 5,660 |
| Net interest margin | 2.8733% | 5,458 |
| Noninterest income to average assets | 0.1038% | 5,951 |
| Noninterest expense to average assets | 1.8436% | 5,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9664% | 2,639 |
| Return on assets (ROA) | 1.1594% | 1,866 |
| Pretax return on assets | 1.1594% | 2,977 |
| Return on Equity (ROE) | 10.7713% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.9817% | 1,697 |
| Net charge-offs to loans | 2.3665% | 47 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.3050% | 3,521 |
| Efficiency ratio | 65.6087% | 3,958 |
| Assets per employee ($millions) | 8.1400% | 506 |
| Cash dividends to net income (ytd only)* | 35.1827% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4995% | 435 |
| Loan loss allowance to noncurrent loans | 44.7154% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 3,188 |
| Noncurrent loans to loans | 5.5899% | 162 |
| Net loans and leases to total assets | 11.9801% | 6,209 |
| Net loans and leases to deposits | 13.3735% | 6,216 |
| Net loans and leases to core deposits | 13.3735% | 6,206 |
| Total domestic deposits to total assets | 89.5812% | 738 |
| Equity capital to assets | 10.3954% | 3,714 |
| Core capital (leverage) ratio | 12.6675% | 1,338 |
| Tier 1 risk-based capital ratio | 36.3080% | 315 |
| Total risk-based capital ratio | 37.1760% | 328 |
| Memoranda: | ||
| Average total assets | $91,198,250 | 4,695 |
| Average earning assets | $85,891,500 | 4,640 |
| Average equity | $9,816,000 | 4,748 |
| Average total loans | $11,268,250 | 6,067 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1312% | 5,703 |
| Cost of funding earning assets | 0.1654% | 5,738 |
| Net interest margin | 2.9658% | 5,301 |
| Noninterest income to average assets | 0.0785% | 6,096 |
| Noninterest expense to average assets | 1.9248% | 5,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9286% | 2,738 |
| Return on assets (ROA) | 0.8545% | 3,215 |
| Pretax return on assets | 0.8545% | 4,113 |
| Return on Equity (ROE) | 7.8515% | 3,141 |
| Retained earnings to average equity (ytd only) | 2.2633% | 4,582 |
| Net charge-offs to loans | 3.5221% | 27 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.1300% | 3,401 |
| Efficiency ratio | 67.4561% | 3,754 |
| Assets per employee ($millions) | 7.0948% | 806 |
| Cash dividends to net income (ytd only)* | 71.1735% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5016% | 480 |
| Loan loss allowance to noncurrent loans | 44.7154% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 1.1005% | 2,307 |
| Noncurrent loans to loans | 5.5945% | 185 |
| Net loans and leases to total assets | 11.6206% | 6,285 |
| Net loans and leases to deposits | 12.9593% | 6,290 |
| Net loans and leases to core deposits | 12.9593% | 6,280 |
| Total domestic deposits to total assets | 89.6696% | 804 |
| Equity capital to assets | 10.3249% | 3,657 |
| Core capital (leverage) ratio | 12.0756% | 1,612 |
| Tier 1 risk-based capital ratio | 33.5743% | 406 |
| Total risk-based capital ratio | 34.4060% | 415 |
| Memoranda: | ||
| Average total assets | $91,751,000 | 4,732 |
| Average earning assets | $85,844,330 | 4,685 |
| Average equity | $9,985,330 | 4,756 |
| Average total loans | $11,357,000 | 6,130 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 5,657 |
| Cost of funding earning assets | 0.1657% | 5,807 |
| Net interest margin | 3.0293% | 5,129 |
| Noninterest income to average assets | 0.0743% | 6,165 |
| Noninterest expense to average assets | 1.9539% | 5,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9966% | 2,285 |
| Return on assets (ROA) | 0.4633% | 4,937 |
| Pretax return on assets | 0.4633% | 5,280 |
| Return on Equity (ROE) | 4.1501% | 4,912 |
| Retained earnings to average equity (ytd only) | -6.7734% | 6,026 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2222% | 4,122 |
| Assets per employee ($millions) | 7.6532% | 634 |
| Cash dividends to net income (ytd only)* | 263.2075% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2449% | 104 |
| Loan loss allowance to noncurrent loans | 58.2822% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 2,004 |
| Noncurrent loans to loans | 7.2833% | 117 |
| Net loans and leases to total assets | 11.6673% | 6,359 |
| Net loans and leases to deposits | 13.0997% | 6,362 |
| Net loans and leases to core deposits | 13.0997% | 6,353 |
| Total domestic deposits to total assets | 89.0655% | 1,218 |
| Equity capital to assets | 10.8768% | 3,112 |
| Core capital (leverage) ratio | 11.7581% | 1,803 |
| Tier 1 risk-based capital ratio | 32.0284% | 458 |
| Total risk-based capital ratio | 33.2781% | 452 |
| Memoranda: | ||
| Average total assets | $91,510,000 | 4,778 |
| Average earning assets | $86,885,000 | 4,697 |
| Average equity | $10,216,500 | 4,734 |
| Average total loans | $11,539,000 | 6,188 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 5,157 |
| Cost of funding earning assets | 0.1629% | 6,026 |
| Net interest margin | 3.4104% | 4,157 |
| Noninterest income to average assets | 0.1795% | 5,779 |
| Noninterest expense to average assets | 1.9869% | 5,790 |
| Loan and lease loss provision to assets | -0.1420% | 6,222 |
| Net operating income to assets | 1.5939% | 710 |
| Return on assets (ROA) | 1.7325% | 551 |
| Pretax return on assets | 1.7325% | 920 |
| Return on Equity (ROE) | 15.2628% | 736 |
| Retained earnings to average equity (ytd only) | 7.8166% | 1,089 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7800% | 5,482 |
| Assets per employee ($millions) | 7.5985% | 630 |
| Cash dividends to net income (ytd only)* | 48.7869% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9956% | 133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 4,359 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 12.5167% | 6,439 |
| Net loans and leases to deposits | 14.1907% | 6,446 |
| Net loans and leases to core deposits | 14.1907% | 6,438 |
| Total domestic deposits to total assets | 88.2038% | 1,657 |
| Equity capital to assets | 11.4540% | 2,473 |
| Core capital (leverage) ratio | 12.1856% | 1,505 |
| Tier 1 risk-based capital ratio | 31.3040% | 465 |
| Total risk-based capital ratio | 32.5546% | 454 |
| Memoranda: | ||
| Average total assets | $88,025,400 | 4,890 |
| Average earning assets | $84,124,800 | 4,784 |
| Average equity | $9,991,600 | 4,753 |
| Average total loans | $12,728,400 | 6,239 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 4,777 |
| Cost of funding earning assets | 0.1639% | 6,102 |
| Net interest margin | 3.5647% | 3,577 |
| Noninterest income to average assets | 0.1803% | 5,837 |
| Noninterest expense to average assets | 1.9747% | 5,807 |
| Loan and lease loss provision to assets | -0.0749% | 6,235 |
| Net operating income to assets | 1.6705% | 652 |
| Return on assets (ROA) | 1.8921% | 441 |
| Pretax return on assets | 1.8921% | 732 |
| Return on Equity (ROE) | 16.7093% | 589 |
| Retained earnings to average equity (ytd only) | 6.6675% | 2,001 |
| Net charge-offs to loans | 0.0103% | 4,378 |
| Credit loss provision to net charge-offs | -4,900.0000% | 6,041 |
| Earnings coverage of net charge-offs (x) | 1,046.5940% | 65 |
| Efficiency ratio | 55.3082% | 5,717 |
| Assets per employee ($millions) | 8.0089% | 517 |
| Cash dividends to net income (ytd only)* | 60.0971% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3537% | 118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 4,539 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 13.7154% | 6,510 |
| Net loans and leases to deposits | 15.6356% | 6,519 |
| Net loans and leases to core deposits | 15.6356% | 6,512 |
| Total domestic deposits to total assets | 87.7194% | 1,914 |
| Equity capital to assets | 12.2704% | 1,850 |
| Core capital (leverage) ratio | 12.1680% | 1,594 |
| Tier 1 risk-based capital ratio | 30.3930% | 502 |
| Total risk-based capital ratio | 31.6483% | 498 |
| Memoranda: | ||
| Average total assets | $87,236,250 | 4,955 |
| Average earning assets | $82,959,250 | 4,872 |
| Average equity | $9,878,500 | 4,813 |
| Average total loans | $12,938,500 | 6,302 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 4,508 |
| Cost of funding earning assets | 0.1614% | 6,186 |
| Net interest margin | 3.6433% | 3,174 |
| Noninterest income to average assets | 0.2185% | 5,643 |
| Noninterest expense to average assets | 1.9621% | 5,893 |
| Loan and lease loss provision to assets | -0.1127% | 6,391 |
| Net operating income to assets | 1.8471% | 446 |
| Return on assets (ROA) | 2.0748% | 300 |
| Pretax return on assets | 2.0748% | 461 |
| Return on Equity (ROE) | 18.8545% | 372 |
| Retained earnings to average equity (ytd only) | 3.3027% | 4,100 |
| Net charge-offs to loans | 0.0153% | 3,925 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,907 |
| Earnings coverage of net charge-offs (x) | 754.0000% | 88 |
| Efficiency ratio | 53.0803% | 5,989 |
| Assets per employee ($millions) | 7.9891% | 497 |
| Cash dividends to net income (ytd only)* | 82.4834% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3331% | 142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 4,635 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 13.8177% | 6,574 |
| Net loans and leases to deposits | 15.6212% | 6,582 |
| Net loans and leases to core deposits | 15.6212% | 6,575 |
| Total domestic deposits to total assets | 88.4547% | 1,659 |
| Equity capital to assets | 11.5396% | 2,383 |
| Core capital (leverage) ratio | 11.8432% | 1,758 |
| Tier 1 risk-based capital ratio | 28.9788% | 580 |
| Total risk-based capital ratio | 30.2312% | 568 |
| Memoranda: | ||
| Average total assets | $86,949,000 | 4,999 |
| Average earning assets | $83,001,670 | 4,901 |
| Average equity | $9,568,000 | 4,897 |
| Average total loans | $13,040,330 | 6,355 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 4,250 |
| Cost of funding earning assets | 0.1594% | 6,299 |
| Net interest margin | 3.7000% | 2,864 |
| Noninterest income to average assets | 0.1388% | 6,150 |
| Noninterest expense to average assets | 1.8686% | 6,112 |
| Loan and lease loss provision to assets | -0.2266% | 6,583 |
| Net operating income to assets | 2.0397% | 317 |
| Return on assets (ROA) | 2.4745% | 160 |
| Pretax return on assets | 2.4745% | 231 |
| Return on Equity (ROE) | 23.0566% | 174 |
| Retained earnings to average equity (ytd only) | 3.0168% | 4,301 |
| Net charge-offs to loans | 0.0303% | 2,979 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,594 |
| Earnings coverage of net charge-offs (x) | 392.0000% | 117 |
| Efficiency ratio | 50.7538% | 6,209 |
| Assets per employee ($millions) | 7.8785% | 514 |
| Cash dividends to net income (ytd only)* | 86.9159% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2184% | 158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 4,757 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 14.4097% | 6,639 |
| Net loans and leases to deposits | 16.2074% | 6,648 |
| Net loans and leases to core deposits | 16.2074% | 6,645 |
| Total domestic deposits to total assets | 88.9077% | 1,719 |
| Equity capital to assets | 11.0276% | 2,691 |
| Core capital (leverage) ratio | 11.9799% | 1,662 |
| Tier 1 risk-based capital ratio | 26.9559% | 713 |
| Total risk-based capital ratio | 28.2095% | 706 |
| Memoranda: | ||
| Average total assets | $86,483,500 | 5,057 |
| Average earning assets | $82,810,500 | 4,946 |
| Average equity | $9,281,500 | 4,980 |
| Average total loans | $13,214,000 | 6,413 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 4,618 |
| Cost of funding earning assets | 0.1657% | 6,465 |
| Net interest margin | 3.6911% | 3,093 |
| Noninterest income to average assets | 0.5420% | 3,458 |
| Noninterest expense to average assets | 2.3752% | 5,144 |
| Loan and lease loss provision to assets | -0.0591% | 6,410 |
| Net operating income to assets | 1.7336% | 548 |
| Return on assets (ROA) | 2.2721% | 226 |
| Pretax return on assets | 2.2721% | 281 |
| Return on Equity (ROE) | 19.8414% | 284 |
| Retained earnings to average equity (ytd only) | 8.6465% | 864 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6503% | 5,656 |
| Assets per employee ($millions) | 7.8457% | 510 |
| Cash dividends to net income (ytd only)* | 56.4220% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4810% | 139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 4,852 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 14.8199% | 6,721 |
| Net loans and leases to deposits | 16.5747% | 6,728 |
| Net loans and leases to core deposits | 16.5747% | 6,725 |
| Total domestic deposits to total assets | 89.4129% | 1,379 |
| Equity capital to assets | 10.4353% | 3,241 |
| Core capital (leverage) ratio | 11.6507% | 1,859 |
| Tier 1 risk-based capital ratio | 25.3671% | 825 |
| Total risk-based capital ratio | 26.6195% | 812 |
| Memoranda: | ||
| Average total assets | $86,350,200 | 5,073 |
| Average earning assets | $82,061,600 | 4,981 |
| Average equity | $9,888,400 | 4,878 |
| Average total loans | $13,763,200 | 6,462 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8024% | 4,850 |
| Cost of funding earning assets | 0.1665% | 6,569 |
| Net interest margin | 3.6360% | 3,299 |
| Noninterest income to average assets | 0.1142% | 6,436 |
| Noninterest expense to average assets | 1.7384% | 6,428 |
| Loan and lease loss provision to assets | -0.0787% | 6,591 |
| Net operating income to assets | 1.8943% | 437 |
| Return on assets (ROA) | 2.4980% | 181 |
| Pretax return on assets | 2.4980% | 245 |
| Return on Equity (ROE) | 21.3402% | 232 |
| Retained earnings to average equity (ytd only) | 10.4195% | 708 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9140% | 6,457 |
| Assets per employee ($millions) | 7.7855% | 505 |
| Cash dividends to net income (ytd only)* | 51.1742% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2759% | 196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 4,091 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 15.6843% | 6,795 |
| Net loans and leases to deposits | 17.5646% | 6,804 |
| Net loans and leases to core deposits | 17.5646% | 6,803 |
| Total domestic deposits to total assets | 89.2947% | 1,412 |
| Equity capital to assets | 10.6948% | 3,078 |
| Core capital (leverage) ratio | 11.9545% | 1,700 |
| Tier 1 risk-based capital ratio | 24.8829% | 887 |
| Total risk-based capital ratio | 26.1364% | 874 |
| Memoranda: | ||
| Average total assets | $86,362,000 | 5,114 |
| Average earning assets | $81,700,500 | 5,035 |
| Average equity | $10,109,000 | 4,869 |
| Average total loans | $13,856,500 | 6,529 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 5,274 |
| Cost of funding earning assets | 0.1647% | 6,648 |
| Net interest margin | 3.4908% | 3,818 |
| Noninterest income to average assets | 0.1386% | 6,359 |
| Noninterest expense to average assets | 1.6997% | 6,496 |
| Loan and lease loss provision to assets | -0.1178% | 6,727 |
| Net operating income to assets | 1.8845% | 434 |
| Return on assets (ROA) | 2.1062% | 318 |
| Pretax return on assets | 2.1062% | 492 |
| Return on Equity (ROE) | 17.4953% | 510 |
| Retained earnings to average equity (ytd only) | 1.6114% | 5,222 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0340% | 6,481 |
| Assets per employee ($millions) | 7.7219% | 509 |
| Cash dividends to net income (ytd only)* | 90.7895% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3674% | 190 |
| Loan loss allowance to noncurrent loans | 60,000.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 4,195 |
| Noncurrent loans to loans | 0.0073% | 6,417 |
| Net loans and leases to total assets | 15.4672% | 6,843 |
| Net loans and leases to deposits | 17.5740% | 6,856 |
| Net loans and leases to core deposits | 17.5740% | 6,852 |
| Total domestic deposits to total assets | 88.0117% | 2,239 |
| Equity capital to assets | 11.9707% | 1,934 |
| Core capital (leverage) ratio | 11.1156% | 2,241 |
| Tier 1 risk-based capital ratio | 22.9792% | 1,138 |
| Total risk-based capital ratio | 24.2306% | 1,126 |
| Memoranda: | ||
| Average total assets | $86,602,670 | 5,137 |
| Average earning assets | $82,560,330 | 5,036 |
| Average equity | $10,425,670 | 4,845 |
| Average total loans | $13,798,000 | 6,569 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2132% | 6,282 |
| Cost of funding earning assets | 0.1628% | 6,755 |
| Net interest margin | 3.0504% | 5,432 |
| Noninterest income to average assets | 0.0595% | 6,700 |
| Noninterest expense to average assets | 1.7247% | 6,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2489% | 1,402 |
| Return on assets (ROA) | 1.4319% | 1,058 |
| Pretax return on assets | 1.4319% | 1,766 |
| Return on Equity (ROE) | 11.8622% | 1,462 |
| Retained earnings to average equity (ytd only) | -8.9441% | 6,574 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0000% | 5,850 |
| Assets per employee ($millions) | 7.9121% | 507 |
| Cash dividends to net income (ytd only)* | 175.3994% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7085% | 167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 4,387 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 15.1379% | 6,919 |
| Net loans and leases to deposits | 17.2594% | 6,930 |
| Net loans and leases to core deposits | 17.2594% | 6,928 |
| Total domestic deposits to total assets | 87.7081% | 2,510 |
| Equity capital to assets | 12.2252% | 1,891 |
| Core capital (leverage) ratio | 10.7386% | 2,510 |
| Tier 1 risk-based capital ratio | 22.0452% | 1,324 |
| Total risk-based capital ratio | 23.3001% | 1,293 |
| Memoranda: | ||
| Average total assets | $87,433,500 | 5,164 |
| Average earning assets | $83,530,500 | 5,054 |
| Average equity | $10,554,500 | 4,872 |
| Average total loans | $13,828,000 | 6,630 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 3,091 |
| Cost of funding earning assets | 0.3674% | 6,119 |
| Net interest margin | 4.2095% | 1,634 |
| Noninterest income to average assets | 0.0957% | 6,526 |
| Noninterest expense to average assets | 1.9894% | 6,348 |
| Loan and lease loss provision to assets | -0.4034% | 7,031 |
| Net operating income to assets | 2.5242% | 149 |
| Return on assets (ROA) | 2.8965% | 108 |
| Pretax return on assets | 2.8965% | 154 |
| Return on Equity (ROE) | 26.9977% | 89 |
| Retained earnings to average equity (ytd only) | 19.0047% | 71 |
| Net charge-offs to loans | -0.0067% | 6,418 |
| Credit loss provision to net charge-offs | 35,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4016% | 6,686 |
| Assets per employee ($millions) | 7.9849% | 503 |
| Cash dividends to net income (ytd only)* | 29.6060% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7072% | 161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 4,497 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 15.0044% | 6,981 |
| Net loans and leases to deposits | 17.1745% | 6,992 |
| Net loans and leases to core deposits | 17.1745% | 6,984 |
| Total domestic deposits to total assets | 87.3648% | 2,603 |
| Equity capital to assets | 11.9191% | 2,101 |
| Core capital (leverage) ratio | 10.7826% | 2,460 |
| Tier 1 risk-based capital ratio | 22.4306% | 1,191 |
| Total risk-based capital ratio | 23.6847% | 1,166 |
| Memoranda: | ||
| Average total assets | $86,759,200 | 5,167 |
| Average earning assets | $82,741,000 | 5,050 |
| Average equity | $9,308,200 | 5,147 |
| Average total loans | $14,954,400 | 6,660 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 2,531 |
| Cost of funding earning assets | 0.3995% | 6,121 |
| Net interest margin | 4.3625% | 1,316 |
| Noninterest income to average assets | 0.0786% | 6,698 |
| Noninterest expense to average assets | 1.6418% | 6,840 |
| Loan and lease loss provision to assets | -0.4625% | 7,141 |
| Net operating income to assets | 3.0569% | 103 |
| Return on assets (ROA) | 3.3883% | 81 |
| Pretax return on assets | 3.3883% | 115 |
| Return on Equity (ROE) | 32.4971% | 51 |
| Retained earnings to average equity (ytd only) | 25.6222% | 50 |
| Net charge-offs to loans | -0.0087% | 6,347 |
| Credit loss provision to net charge-offs | 30,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7555% | 7,034 |
| Assets per employee ($millions) | 8.0395% | 472 |
| Cash dividends to net income (ytd only)* | 21.1555% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7577% | 168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 4,757 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 15.8683% | 7,069 |
| Net loans and leases to deposits | 18.0672% | 7,090 |
| Net loans and leases to core deposits | 18.0672% | 7,086 |
| Total domestic deposits to total assets | 87.8293% | 2,148 |
| Equity capital to assets | 12.1492% | 2,150 |
| Core capital (leverage) ratio | 10.8865% | 2,502 |
| Tier 1 risk-based capital ratio | 22.5552% | 1,242 |
| Total risk-based capital ratio | 23.8115% | 1,216 |
| Memoranda: | ||
| Average total assets | $86,490,500 | 5,223 |
| Average earning assets | $82,428,000 | 5,107 |
| Average equity | $9,018,000 | 5,263 |
| Average total loans | $15,235,500 | 6,731 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 2,474 |
| Cost of funding earning assets | 0.4302% | 6,096 |
| Net interest margin | 4.3780% | 1,261 |
| Noninterest income to average assets | 0.0839% | 6,741 |
| Noninterest expense to average assets | 1.7054% | 6,837 |
| Loan and lease loss provision to assets | -0.6990% | 7,216 |
| Net operating income to assets | 3.2501% | 89 |
| Return on assets (ROA) | 3.4202% | 78 |
| Pretax return on assets | 3.4202% | 111 |
| Return on Equity (ROE) | 34.7757% | 52 |
| Retained earnings to average equity (ytd only) | 23.7603% | 63 |
| Net charge-offs to loans | -0.0130% | 6,336 |
| Credit loss provision to net charge-offs | 30,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0657% | 7,064 |
| Assets per employee ($millions) | 8.2206% | 429 |
| Cash dividends to net income (ytd only)* | 31.6757% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6836% | 204 |
| Loan loss allowance to noncurrent loans | 35,050.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 4,880 |
| Noncurrent loans to loans | 0.0134% | 6,665 |
| Net loans and leases to total assets | 15.7763% | 7,134 |
| Net loans and leases to deposits | 17.6553% | 7,152 |
| Net loans and leases to core deposits | 17.6553% | 7,153 |
| Total domestic deposits to total assets | 89.3572% | 1,299 |
| Equity capital to assets | 10.6141% | 3,552 |
| Core capital (leverage) ratio | 9.9138% | 3,547 |
| Tier 1 risk-based capital ratio | 19.7880% | 1,761 |
| Total risk-based capital ratio | 21.0415% | 1,729 |
| Memoranda: | ||
| Average total assets | $85,842,670 | 5,281 |
| Average earning assets | $81,818,670 | 5,158 |
| Average equity | $8,442,670 | 5,434 |
| Average total loans | $15,402,670 | 6,779 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0988% | 1,574 |
| Cost of funding earning assets | 0.4741% | 5,986 |
| Net interest margin | 4.6247% | 785 |
| Noninterest income to average assets | 0.0814% | 6,819 |
| Noninterest expense to average assets | 1.8049% | 6,785 |
| Loan and lease loss provision to assets | -1.4363% | 7,294 |
| Net operating income to assets | 4.1029% | 64 |
| Return on assets (ROA) | 4.4045% | 60 |
| Pretax return on assets | 4.4045% | 69 |
| Return on Equity (ROE) | 46.7896% | 35 |
| Retained earnings to average equity (ytd only) | 37.3299% | 39 |
| Net charge-offs to loans | -0.0256% | 6,274 |
| Credit loss provision to net charge-offs | 30,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3640% | 7,098 |
| Assets per employee ($millions) | 7.6868% | 560 |
| Cash dividends to net income (ytd only)* | 20.2174% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6350% | 230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 4,904 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 17.0575% | 7,177 |
| Net loans and leases to deposits | 18.9360% | 7,201 |
| Net loans and leases to core deposits | 18.9360% | 7,205 |
| Total domestic deposits to total assets | 90.0798% | 1,040 |
| Equity capital to assets | 9.8587% | 4,302 |
| Core capital (leverage) ratio | 10.0216% | 3,342 |
| Tier 1 risk-based capital ratio | 20.8920% | 1,518 |
| Total risk-based capital ratio | 22.1327% | 1,482 |
| Memoranda: | ||
| Average total assets | $83,550,500 | 5,373 |
| Average earning assets | $79,313,500 | 5,258 |
| Average equity | $7,865,000 | 5,637 |
| Average total loans | $15,620,500 | 6,813 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 4,838 |
| Cost of funding earning assets | 0.5332% | 6,409 |
| Net interest margin | 4.0265% | 2,751 |
| Noninterest income to average assets | 0.1428% | 6,436 |
| Noninterest expense to average assets | 2.0450% | 6,593 |
| Loan and lease loss provision to assets | 0.5438% | 1,929 |
| Net operating income to assets | 1.3609% | 1,110 |
| Return on assets (ROA) | 1.5992% | 718 |
| Pretax return on assets | 1.5992% | 1,199 |
| Return on Equity (ROE) | 17.6308% | 413 |
| Retained earnings to average equity (ytd only) | 9.9926% | 571 |
| Net charge-offs to loans | 0.2139% | 4,451 |
| Credit loss provision to net charge-offs | 1,152.6316% | 186 |
| Earnings coverage of net charge-offs (x) | 40.3684% | 668 |
| Efficiency ratio | 51.7762% | 6,717 |
| Assets per employee ($millions) | 7.5042% | 574 |
| Cash dividends to net income (ytd only)* | 43.3230% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2046% | 79 |
| Loan loss allowance to noncurrent loans | 72.8332% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 2.4992% | 2,432 |
| Noncurrent loans to loans | 8.5190% | 441 |
| Net loans and leases to total assets | 18.3134% | 7,227 |
| Net loans and leases to deposits | 20.1450% | 7,251 |
| Net loans and leases to core deposits | 20.1450% | 7,249 |
| Total domestic deposits to total assets | 90.9081% | 538 |
| Equity capital to assets | 8.9574% | 5,593 |
| Core capital (leverage) ratio | 9.1541% | 4,540 |
| Tier 1 risk-based capital ratio | 22.6054% | 1,145 |
| Total risk-based capital ratio | 23.8779% | 1,121 |
| Memoranda: | ||
| Average total assets | $80,537,800 | 5,444 |
| Average earning assets | $76,145,400 | 5,339 |
| Average equity | $7,305,400 | 5,775 |
| Average total loans | $17,768,400 | 6,767 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 4,885 |
| Cost of funding earning assets | 0.5381% | 6,552 |
| Net interest margin | 4.0566% | 2,664 |
| Noninterest income to average assets | 0.1649% | 6,414 |
| Noninterest expense to average assets | 1.7991% | 7,001 |
| Loan and lease loss provision to assets | 0.1666% | 4,394 |
| Net operating income to assets | 2.0424% | 317 |
| Return on assets (ROA) | 2.3622% | 202 |
| Pretax return on assets | 2.3622% | 322 |
| Return on Equity (ROE) | 25.9585% | 111 |
| Retained earnings to average equity (ytd only) | 20.8510% | 66 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8878% | 7,108 |
| Assets per employee ($millions) | 8.2558% | 426 |
| Cash dividends to net income (ytd only)* | 19.6756% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9324% | 413 |
| Loan loss allowance to noncurrent loans | 33.3492% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 2.5425% | 2,527 |
| Noncurrent loans to loans | 11.7915% | 244 |
| Net loans and leases to total assets | 20.7139% | 7,278 |
| Net loans and leases to deposits | 23.0661% | 7,303 |
| Net loans and leases to core deposits | 23.0661% | 7,304 |
| Total domestic deposits to total assets | 89.8023% | 974 |
| Equity capital to assets | 10.1444% | 4,162 |
| Core capital (leverage) ratio | 9.8258% | 3,677 |
| Tier 1 risk-based capital ratio | 18.6572% | 2,046 |
| Total risk-based capital ratio | 19.8541% | 2,017 |
| Memoranda: | ||
| Average total assets | $80,035,750 | 5,503 |
| Average earning assets | $75,826,000 | 5,387 |
| Average equity | $7,283,250 | 5,822 |
| Average total loans | $18,181,250 | 6,814 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 4,808 |
| Cost of funding earning assets | 0.5415% | 6,695 |
| Net interest margin | 4.0959% | 2,425 |
| Noninterest income to average assets | 0.2020% | 6,223 |
| Noninterest expense to average assets | 1.8739% | 6,981 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1870% | 265 |
| Return on assets (ROA) | 2.4320% | 187 |
| Pretax return on assets | 2.4320% | 275 |
| Return on Equity (ROE) | 27.8351% | 95 |
| Retained earnings to average equity (ytd only) | 19.7707% | 95 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1443% | 7,149 |
| Assets per employee ($millions) | 7.9714% | 465 |
| Cash dividends to net income (ytd only)* | 28.9720% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3772% | 658 |
| Loan loss allowance to noncurrent loans | 26.7261% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 2.8163% | 2,382 |
| Noncurrent loans to loans | 12.6365% | 223 |
| Net loans and leases to total assets | 21.5345% | 7,350 |
| Net loans and leases to deposits | 23.8486% | 7,376 |
| Net loans and leases to core deposits | 23.8486% | 7,381 |
| Total domestic deposits to total assets | 90.2966% | 816 |
| Equity capital to assets | 9.6420% | 4,611 |
| Core capital (leverage) ratio | 9.4600% | 4,017 |
| Tier 1 risk-based capital ratio | 24.4198% | 964 |
| Total risk-based capital ratio | 25.6795% | 943 |
| Memoranda: | ||
| Average total assets | $79,195,000 | 5,572 |
| Average earning assets | $74,611,670 | 5,475 |
| Average equity | $6,919,330 | 5,945 |
| Average total loans | $18,308,000 | 6,874 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 5,148 |
| Cost of funding earning assets | 0.5436% | 6,821 |
| Net interest margin | 4.0117% | 2,638 |
| Noninterest income to average assets | 0.3142% | 5,413 |
| Noninterest expense to average assets | 2.0219% | 6,796 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0320% | 329 |
| Return on assets (ROA) | 2.3462% | 224 |
| Pretax return on assets | 2.3462% | 317 |
| Return on Equity (ROE) | 28.3354% | 102 |
| Retained earnings to average equity (ytd only) | 28.3354% | 71 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8750% | 6,994 |
| Assets per employee ($millions) | 7.9296% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2573% | 740 |
| Loan loss allowance to noncurrent loans | 28.9017% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 2.6180% | 2,622 |
| Noncurrent loans to loans | 11.2704% | 327 |
| Net loans and leases to total assets | 22.4728% | 7,399 |
| Net loans and leases to deposits | 24.6068% | 7,426 |
| Net loans and leases to core deposits | 24.6068% | 7,433 |
| Total domestic deposits to total assets | 91.3274% | 471 |
| Equity capital to assets | 8.6385% | 5,729 |
| Core capital (leverage) ratio | 9.4056% | 3,955 |
| Tier 1 risk-based capital ratio | 21.3171% | 1,340 |
| Total risk-based capital ratio | 22.5724% | 1,315 |
| Memoranda: | ||
| Average total assets | $78,935,500 | 5,618 |
| Average earning assets | $73,584,500 | 5,552 |
| Average equity | $6,536,000 | 6,081 |
| Average total loans | $18,579,000 | 6,905 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 6,768 |
| Cost of funding earning assets | 0.6690% | 6,965 |
| Net interest margin | 3.6449% | 4,596 |
| Noninterest income to average assets | 0.1337% | 6,725 |
| Noninterest expense to average assets | 2.2024% | 6,606 |
| Loan and lease loss provision to assets | 0.4292% | 3,543 |
| Net operating income to assets | 0.8973% | 2,396 |
| Return on assets (ROA) | 1.4014% | 1,022 |
| Pretax return on assets | 1.4014% | 1,663 |
| Return on Equity (ROE) | 15.6943% | 616 |
| Retained earnings to average equity (ytd only) | 15.6943% | 105 |
| Net charge-offs to loans | 0.0305% | 6,503 |
| Credit loss provision to net charge-offs | 5,350.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 165.3333% | 153 |
| Efficiency ratio | 62.4100% | 5,657 |
| Assets per employee ($millions) | 7.1432% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2020% | 733 |
| Loan loss allowance to noncurrent loans | 34.2857% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 2.2272% | 3,060 |
| Noncurrent loans to loans | 9.3393% | 475 |
| Net loans and leases to total assets | 23.0837% | 7,487 |
| Net loans and leases to deposits | 25.0903% | 7,522 |
| Net loans and leases to core deposits | 25.0903% | 7,524 |
| Total domestic deposits to total assets | 92.0025% | 281 |
| Equity capital to assets | 7.9185% | 6,564 |
| Core capital (leverage) ratio | 8.4627% | 5,430 |
| Tier 1 risk-based capital ratio | 20.7789% | 1,348 |
| Total risk-based capital ratio | 22.0367% | 1,330 |
| Memoranda: | ||
| Average total assets | $74,782,600 | 5,746 |
| Average earning assets | $69,658,800 | 5,685 |
| Average equity | $6,677,600 | 6,140 |
| Average total loans | $19,697,200 | 6,942 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 6,516 |
| Cost of funding earning assets | 0.6662% | 7,137 |
| Net interest margin | 3.8678% | 3,668 |
| Noninterest income to average assets | 0.1463% | 6,816 |
| Noninterest expense to average assets | 2.2645% | 6,423 |
| Loan and lease loss provision to assets | 0.2438% | 4,647 |
| Net operating income to assets | 1.2550% | 1,460 |
| Return on assets (ROA) | 1.5855% | 837 |
| Pretax return on assets | 1.5855% | 1,380 |
| Return on Equity (ROE) | 17.2368% | 562 |
| Retained earnings to average equity (ytd only) | 17.2368% | 128 |
| Net charge-offs to loans | 0.0401% | 6,150 |
| Credit loss provision to net charge-offs | 2,250.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 138.3300% | 232 |
| Efficiency ratio | 60.1727% | 5,920 |
| Assets per employee ($millions) | 7.9210% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1704% | 1,856 |
| Loan loss allowance to noncurrent loans | 23.5495% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 2.2194% | 3,171 |
| Noncurrent loans to loans | 9.2163% | 506 |
| Net loans and leases to total assets | 23.5589% | 7,573 |
| Net loans and leases to deposits | 26.1359% | 7,616 |
| Net loans and leases to core deposits | 26.1359% | 7,621 |
| Total domestic deposits to total assets | 90.1401% | 812 |
| Equity capital to assets | 9.8283% | 4,373 |
| Core capital (leverage) ratio | 9.0996% | 4,532 |
| Tier 1 risk-based capital ratio | 20.5181% | 1,444 |
| Total risk-based capital ratio | 21.7857% | 1,421 |
| Memoranda: | ||
| Average total assets | $73,834,500 | 5,836 |
| Average earning assets | $69,047,750 | 5,770 |
| Average equity | $6,791,500 | 6,181 |
| Average total loans | $19,937,000 | 7,014 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 5,809 |
| Cost of funding earning assets | 0.6744% | 7,246 |
| Net interest margin | 4.1232% | 2,456 |
| Noninterest income to average assets | 0.1693% | 6,695 |
| Noninterest expense to average assets | 2.5429% | 5,553 |
| Loan and lease loss provision to assets | 0.3054% | 3,946 |
| Net operating income to assets | 1.1910% | 1,581 |
| Return on assets (ROA) | 1.5130% | 956 |
| Pretax return on assets | 1.5130% | 1,524 |
| Return on Equity (ROE) | 16.8722% | 587 |
| Retained earnings to average equity (ytd only) | 16.8722% | 163 |
| Net charge-offs to loans | 0.0593% | 5,563 |
| Credit loss provision to net charge-offs | 1,833.3333% | 219 |
| Earnings coverage of net charge-offs (x) | 89.8333% | 367 |
| Efficiency ratio | 62.9553% | 5,528 |
| Assets per employee ($millions) | 6.4295% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 2,322 |
| Loan loss allowance to noncurrent loans | 22.0272% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 2.4970% | 2,882 |
| Noncurrent loans to loans | 8.8106% | 548 |
| Net loans and leases to total assets | 27.7911% | 7,583 |
| Net loans and leases to deposits | 31.0006% | 7,626 |
| Net loans and leases to core deposits | 31.0006% | 7,644 |
| Total domestic deposits to total assets | 89.6471% | 1,097 |
| Equity capital to assets | 10.3388% | 3,598 |
| Core capital (leverage) ratio | 9.1362% | 4,397 |
| Tier 1 risk-based capital ratio | 20.4143% | 1,448 |
| Total risk-based capital ratio | 21.6522% | 1,417 |
| Memoranda: | ||
| Average total assets | $72,042,670 | 5,917 |
| Average earning assets | $67,617,330 | 5,841 |
| Average equity | $6,460,330 | 6,313 |
| Average total loans | $20,224,330 | 7,054 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 5,589 |
| Cost of funding earning assets | 0.6931% | 7,345 |
| Net interest margin | 4.1821% | 2,112 |
| Noninterest income to average assets | 0.2201% | 6,388 |
| Noninterest expense to average assets | 2.4869% | 5,779 |
| Loan and lease loss provision to assets | 0.3301% | 3,418 |
| Net operating income to assets | 1.3205% | 1,255 |
| Return on assets (ROA) | 1.3480% | 1,262 |
| Pretax return on assets | 1.3480% | 1,910 |
| Return on Equity (ROE) | 16.2400% | 686 |
| Retained earnings to average equity (ytd only) | 16.2400% | 324 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1064% | 6,153 |
| Assets per employee ($millions) | 6.5267% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 3,083 |
| Loan loss allowance to noncurrent loans | 33.1731% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 4,336 |
| Noncurrent loans to loans | 5.1076% | 1,410 |
| Net loans and leases to total assets | 27.8812% | 7,673 |
| Net loans and leases to deposits | 30.5893% | 7,724 |
| Net loans and leases to core deposits | 30.5893% | 7,737 |
| Total domestic deposits to total assets | 91.1469% | 484 |
| Equity capital to assets | 8.8099% | 5,534 |
| Core capital (leverage) ratio | 8.3027% | 5,734 |
| Tier 1 risk-based capital ratio | 20.2756% | 1,469 |
| Total risk-based capital ratio | 21.4492% | 1,452 |
| Memoranda: | ||
| Average total assets | $72,702,000 | 5,977 |
| Average earning assets | $68,100,500 | 5,904 |
| Average equity | $6,034,500 | 6,507 |
| Average total loans | $20,314,500 | 7,143 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0230% | 6,361 |
| Cost of funding earning assets | 1.2359% | 6,524 |
| Net interest margin | 3.7871% | 3,765 |
| Noninterest income to average assets | 0.1175% | 7,169 |
| Noninterest expense to average assets | 7.4575% | 176 |
| Loan and lease loss provision to assets | -0.0358% | 7,970 |
| Net operating income to assets | -3.6815% | 7,554 |
| Return on assets (ROA) | -3.5726% | 7,532 |
| Pretax return on assets | -3.5726% | 7,436 |
| Return on Equity (ROE) | -28.2346% | 7,369 |
| Retained earnings to average equity (ytd only) | -47.1935% | 7,646 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 199.3870% | 141 |
| Assets per employee ($millions) | 6.6918% | 907 |
| Cash dividends to net income (ytd only)* | -67.1480% | 7,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 4,204 |
| Loan loss allowance to noncurrent loans | 21.4286% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 1.8068% | 3,655 |
| Noncurrent loans to loans | 6.5624% | 905 |
| Net loans and leases to total assets | 27.1458% | 7,765 |
| Net loans and leases to deposits | 29.4768% | 7,821 |
| Net loans and leases to core deposits | 29.4768% | 7,866 |
| Total domestic deposits to total assets | 92.0921% | 246 |
| Equity capital to assets | 7.8033% | 6,759 |
| Core capital (leverage) ratio | 7.6505% | 6,615 |
| Tier 1 risk-based capital ratio | 19.0435% | 1,648 |
| Total risk-based capital ratio | 19.9933% | 1,671 |
| Memoranda: | ||
| Average total assets | $69,781,800 | 6,011 |
| Average earning assets | $66,753,200 | 5,905 |
| Average equity | $8,829,600 | 5,657 |
| Average total loans | $21,331,200 | 7,121 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 7,194 |
| Cost of funding earning assets | 1.3884% | 6,279 |
| Net interest margin | 3.3682% | 5,385 |
| Noninterest income to average assets | 0.1240% | 7,268 |
| Noninterest expense to average assets | 2.0302% | 7,327 |
| Loan and lease loss provision to assets | 0.1840% | 5,525 |
| Net operating income to assets | 1.1527% | 1,582 |
| Return on assets (ROA) | 1.3193% | 1,249 |
| Pretax return on assets | 1.3193% | 1,909 |
| Return on Equity (ROE) | 9.4571% | 2,112 |
| Retained earnings to average equity (ytd only) | -9.9154% | 6,795 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2992% | 6,368 |
| Assets per employee ($millions) | 5.9522% | 1,245 |
| Cash dividends to net income (ytd only)* | 204.8448% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 2,745 |
| Loan loss allowance to noncurrent loans | 33.1094% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 1.4589% | 4,192 |
| Noncurrent loans to loans | 5.0285% | 1,304 |
| Net loans and leases to total assets | 28.5288% | 7,837 |
| Net loans and leases to deposits | 32.8921% | 7,871 |
| Net loans and leases to core deposits | 32.8921% | 7,932 |
| Total domestic deposits to total assets | 86.7345% | 2,309 |
| Equity capital to assets | 13.1829% | 1,629 |
| Core capital (leverage) ratio | 13.9663% | 1,100 |
| Tier 1 risk-based capital ratio | 35.6574% | 366 |
| Total risk-based capital ratio | 36.8685% | 362 |
| Memoranda: | ||
| Average total assets | $68,824,750 | 6,083 |
| Average earning assets | $66,264,250 | 5,957 |
| Average equity | $9,601,000 | 5,457 |
| Average total loans | $21,597,250 | 7,170 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 7,410 |
| Cost of funding earning assets | 1.4622% | 6,290 |
| Net interest margin | 3.2248% | 5,828 |
| Noninterest income to average assets | 0.1354% | 7,282 |
| Noninterest expense to average assets | 2.0984% | 7,279 |
| Loan and lease loss provision to assets | 0.1472% | 5,606 |
| Net operating income to assets | 0.9859% | 2,162 |
| Return on assets (ROA) | 1.2567% | 1,416 |
| Pretax return on assets | 1.2567% | 2,139 |
| Return on Equity (ROE) | 8.8381% | 2,416 |
| Retained earnings to average equity (ytd only) | -20.0359% | 7,456 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9362% | 5,732 |
| Assets per employee ($millions) | 6.3820% | 1,013 |
| Cash dividends to net income (ytd only)* | 326.6979% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 3,367 |
| Loan loss allowance to noncurrent loans | 43.1655% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9900% | 4,986 |
| Noncurrent loans to loans | 3.3994% | 2,073 |
| Net loans and leases to total assets | 28.6958% | 7,917 |
| Net loans and leases to deposits | 32.9463% | 7,956 |
| Net loans and leases to core deposits | 32.9463% | 8,011 |
| Total domestic deposits to total assets | 87.0987% | 2,200 |
| Equity capital to assets | 12.8558% | 1,760 |
| Core capital (leverage) ratio | 14.2965% | 1,069 |
| Tier 1 risk-based capital ratio | 35.2340% | 410 |
| Total risk-based capital ratio | 36.2912% | 409 |
| Memoranda: | ||
| Average total assets | $67,957,670 | 6,154 |
| Average earning assets | $65,245,000 | 6,034 |
| Average equity | $9,662,670 | 5,468 |
| Average total loans | $21,889,000 | 7,220 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5018% | 4,901 |
| Cost of funding earning assets | 1.5130% | 6,366 |
| Net interest margin | 3.9888% | 2,690 |
| Noninterest income to average assets | 0.0898% | 7,607 |
| Noninterest expense to average assets | 1.9271% | 7,496 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9810% | 361 |
| Return on assets (ROA) | 1.9810% | 413 |
| Pretax return on assets | 1.9810% | 688 |
| Return on Equity (ROE) | 13.2645% | 1,319 |
| Retained earnings to average equity (ytd only) | 13.2645% | 598 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3109% | 7,641 |
| Assets per employee ($millions) | 6.2855% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,464 |
| Loan loss allowance to noncurrent loans | 15.4799% | 7,379 |
| Noncurrent assets plus other real estate owned to assets | 2.3358% | 2,451 |
| Noncurrent loans to loans | 7.1108% | 562 |
| Net loans and leases to total assets | 32.4877% | 7,854 |
| Net loans and leases to deposits | 38.1948% | 7,892 |
| Net loans and leases to core deposits | 38.1948% | 8,002 |
| Total domestic deposits to total assets | 85.0579% | 3,167 |
| Equity capital to assets | 14.8452% | 1,146 |
| Core capital (leverage) ratio | 17.0366% | 647 |
| Tier 1 risk-based capital ratio | 35.7862% | 414 |
| Total risk-based capital ratio | 36.5782% | 414 |
| Memoranda: | ||
| Average total assets | $66,835,500 | 6,219 |
| Average earning assets | $63,979,500 | 6,110 |
| Average equity | $9,981,500 | 5,390 |
| Average total loans | $22,611,000 | 7,205 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1370% | 4,851 |
| Cost of funding earning assets | 1.5879% | 7,473 |
| Net interest margin | 4.5491% | 1,313 |
| Noninterest income to average assets | 3.1199% | 191 |
| Noninterest expense to average assets | 2.6787% | 5,346 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 4.7712% | 36 |
| Return on assets (ROA) | 4.8206% | 37 |
| Pretax return on assets | 4.8206% | 50 |
| Return on Equity (ROE) | 29.8922% | 62 |
| Retained earnings to average equity (ytd only) | 12.9962% | 163 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9558% | 8,193 |
| Assets per employee ($millions) | 5.8665% | 1,220 |
| Cash dividends to net income (ytd only)* | 56.5232% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 3,324 |
| Loan loss allowance to noncurrent loans | 35.4286% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3559% | 3,491 |
| Noncurrent loans to loans | 3.8872% | 1,271 |
| Net loans and leases to total assets | 34.4021% | 7,882 |
| Net loans and leases to deposits | 40.5183% | 7,933 |
| Net loans and leases to core deposits | 40.5183% | 8,045 |
| Total domestic deposits to total assets | 84.9049% | 2,885 |
| Equity capital to assets | 15.0300% | 1,153 |
| Core capital (leverage) ratio | 16.6212% | 746 |
| Tier 1 risk-based capital ratio | 36.6682% | 403 |
| Total risk-based capital ratio | 37.7048% | 404 |
| Memoranda: | ||
| Average total assets | $60,739,000 | 6,361 |
| Average earning assets | $57,813,400 | 6,270 |
| Average equity | $9,795,200 | 5,480 |
| Average total loans | $21,573,400 | 7,220 |