Home > The First National Bank of Hugo > Performance and Condition Ratios
The First National Bank of Hugo, 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 | 3.8014% | 4,181 |
| Cost of funding earning assets | 0.9544% | 3,397 |
| Net interest margin | 2.8470% | 3,576 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.1908% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7423% | 3,071 |
| Return on assets (ROA) | 0.9512% | 2,351 |
| Pretax return on assets | 0.9512% | 2,810 |
| Return on Equity (ROE) | 12.4100% | 1,861 |
| Retained earnings to average equity (ytd only) | 4.4204% | 2,823 |
| Net charge-offs to loans | -0.0208% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.6926% | 1,380 |
| Assets per employee ($millions) | 7.9237% | 1,477 |
| Cash dividends to net income (ytd only)* | 64.3777% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 563 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.3600% | 3,245 |
| Net loans and leases to deposits | 63.0664% | 3,342 |
| Net loans and leases to core deposits | 66.1716% | 3,489 |
| Total domestic deposits to total assets | 87.7800% | 1,421 |
| Equity capital to assets | 8.5223% | 3,038 |
| Core capital (leverage) ratio | 10.7668% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $146,975,000 | 3,393 |
| Average earning assets | $135,583,400 | 3,383 |
| Average equity | $11,266,000 | 3,593 |
| Average total loans | $81,829,000 | 3,383 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7765% | 4,134 |
| Cost of funding earning assets | 0.8882% | 3,306 |
| Net interest margin | 2.8882% | 3,573 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.2657% | 2,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6961% | 3,333 |
| Return on assets (ROA) | 0.7654% | 3,118 |
| Pretax return on assets | 0.7654% | 3,411 |
| Return on Equity (ROE) | 10.2600% | 2,569 |
| Retained earnings to average equity (ytd only) | 10.2620% | 1,332 |
| Net charge-offs to loans | 0.0211% | 1,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 59.4615% | 1,210 |
| Efficiency ratio | 76.4974% | 1,131 |
| Assets per employee ($millions) | 6.5520% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 711 |
| Loan loss allowance to noncurrent loans | 1,175.6303% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 3,040 |
| Noncurrent loans to loans | 0.1439% | 2,829 |
| Net loans and leases to total assets | 56.4100% | 3,166 |
| Net loans and leases to deposits | 65.3396% | 3,188 |
| Net loans and leases to core deposits | 68.4135% | 3,299 |
| Total domestic deposits to total assets | 86.3300% | 2,093 |
| Equity capital to assets | 7.3483% | 3,440 |
| Core capital (leverage) ratio | 10.7212% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $148,062,250 | 3,392 |
| Average earning assets | $136,597,500 | 3,384 |
| Average equity | $11,043,750 | 3,612 |
| Average total loans | $82,190,000 | 3,389 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,074 |
| Cost of funding earning assets | 0.8059% | 3,189 |
| Net interest margin | 2.9510% | 3,559 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.1986% | 3,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8221% | 3,014 |
| Return on assets (ROA) | 0.9239% | 2,660 |
| Pretax return on assets | 0.9239% | 3,114 |
| Return on Equity (ROE) | 12.3300% | 2,059 |
| Retained earnings to average equity (ytd only) | 12.3277% | 924 |
| Net charge-offs to loans | 0.0244% | 1,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 61.4000% | 1,186 |
| Efficiency ratio | 72.7837% | 1,477 |
| Assets per employee ($millions) | 6.7087% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 777 |
| Loan loss allowance to noncurrent loans | 1,298.1481% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,039 |
| Noncurrent loans to loans | 0.1297% | 2,826 |
| Net loans and leases to total assets | 55.4700% | 3,155 |
| Net loans and leases to deposits | 62.7191% | 3,264 |
| Net loans and leases to core deposits | 64.5135% | 3,416 |
| Total domestic deposits to total assets | 88.4500% | 1,447 |
| Equity capital to assets | 7.7884% | 3,356 |
| Core capital (leverage) ratio | 10.3437% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $149,368,667 | 3,385 |
| Average earning assets | $137,988,667 | 3,381 |
| Average equity | $11,194,333 | 3,613 |
| Average total loans | $82,018,333 | 3,390 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 3,754 |
| Cost of funding earning assets | 0.6834% | 3,106 |
| Net interest margin | 3.1776% | 3,167 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.1989% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9397% | 2,719 |
| Return on assets (ROA) | 1.0941% | 2,214 |
| Pretax return on assets | 1.0941% | 2,725 |
| Return on Equity (ROE) | 14.8900% | 1,573 |
| Retained earnings to average equity (ytd only) | 14.8859% | 815 |
| Net charge-offs to loans | 0.0590% | 786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 29.4167% | 1,312 |
| Efficiency ratio | 70.0594% | 1,744 |
| Assets per employee ($millions) | 6.5330% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 823 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.1100% | 3,195 |
| Net loans and leases to deposits | 63.6836% | 3,115 |
| Net loans and leases to core deposits | 64.8390% | 3,293 |
| Total domestic deposits to total assets | 84.9600% | 2,872 |
| Equity capital to assets | 7.7420% | 3,417 |
| Core capital (leverage) ratio | 10.0842% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $150,257,500 | 3,423 |
| Average earning assets | $138,719,500 | 3,423 |
| Average equity | $11,044,000 | 3,672 |
| Average total loans | $81,388,500 | 3,433 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2680% | 3,667 |
| Cost of funding earning assets | 0.1237% | 4,266 |
| Net interest margin | 3.1443% | 3,043 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.8552% | 3,920 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2781% | 1,507 |
| Return on assets (ROA) | 1.1562% | 1,886 |
| Pretax return on assets | 1.1562% | 2,583 |
| Return on Equity (ROE) | 14.3500% | 1,446 |
| Retained earnings to average equity (ytd only) | 5.9914% | 2,651 |
| Net charge-offs to loans | -0.0553% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.5796% | 3,253 |
| Assets per employee ($millions) | 6.2607% | 2,542 |
| Cash dividends to net income (ytd only)* | 58.2411% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 842 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.4000% | 3,329 |
| Net loans and leases to deposits | 61.1461% | 3,264 |
| Net loans and leases to core deposits | 61.7217% | 3,408 |
| Total domestic deposits to total assets | 85.7000% | 2,805 |
| Equity capital to assets | 6.9581% | 3,691 |
| Core capital (leverage) ratio | 9.9873% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $148,499,200 | 3,456 |
| Average earning assets | $137,392,200 | 3,447 |
| Average equity | $11,967,200 | 3,672 |
| Average total loans | $75,909,400 | 3,473 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1722% | 3,498 |
| Cost of funding earning assets | 0.0691% | 4,480 |
| Net interest margin | 3.1031% | 2,930 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.6191% | 4,287 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.4552% | 941 |
| Return on assets (ROA) | 1.2283% | 1,569 |
| Pretax return on assets | 1.2283% | 2,261 |
| Return on Equity (ROE) | 14.7300% | 1,234 |
| Retained earnings to average equity (ytd only) | 14.7313% | 388 |
| Net charge-offs to loans | -0.0196% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.9053% | 4,017 |
| Assets per employee ($millions) | 7.1327% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 920 |
| Loan loss allowance to noncurrent loans | 8,706.6667% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,884 |
| Noncurrent loans to loans | 0.0192% | 3,785 |
| Net loans and leases to total assets | 51.2800% | 3,360 |
| Net loans and leases to deposits | 56.1528% | 3,466 |
| Net loans and leases to core deposits | 56.8893% | 3,569 |
| Total domestic deposits to total assets | 91.3200% | 1,112 |
| Equity capital to assets | 6.9593% | 3,540 |
| Core capital (leverage) ratio | 10.4099% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $148,059,750 | 3,489 |
| Average earning assets | $136,935,000 | 3,478 |
| Average equity | $12,345,250 | 3,678 |
| Average total loans | $74,867,750 | 3,502 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0846% | 3,345 |
| Cost of funding earning assets | 0.0703% | 4,459 |
| Net interest margin | 3.0143% | 2,835 |
| Noninterest income to average assets | 0.2617% | 3,603 |
| Noninterest expense to average assets | 2.0951% | 3,165 |
| Loan and lease loss provision to assets | 0.0678% | 1,400 |
| Net operating income to assets | 0.8909% | 2,618 |
| Return on assets (ROA) | 0.6292% | 3,492 |
| Pretax return on assets | 0.6292% | 3,754 |
| Return on Equity (ROE) | 7.1463% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.1463% | 1,938 |
| Net charge-offs to loans | -0.0108% | 3,616 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6057% | 2,156 |
| Assets per employee ($millions) | 5.5042% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 968 |
| Loan loss allowance to noncurrent loans | 8,112.5000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 3,924 |
| Noncurrent loans to loans | 0.0209% | 3,810 |
| Net loans and leases to total assets | 50.6510% | 3,305 |
| Net loans and leases to deposits | 54.8540% | 3,479 |
| Net loans and leases to core deposits | 55.5708% | 3,602 |
| Total domestic deposits to total assets | 92.3378% | 711 |
| Equity capital to assets | 7.3338% | 3,578 |
| Core capital (leverage) ratio | 9.7839% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,484,333 | 3,527 |
| Average earning assets | $136,613,333 | 3,532 |
| Average equity | $12,985,667 | 3,683 |
| Average total loans | $73,785,667 | 3,554 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9859% | 3,297 |
| Cost of funding earning assets | 0.0705% | 4,444 |
| Net interest margin | 2.9154% | 2,785 |
| Noninterest income to average assets | 0.2341% | 3,740 |
| Noninterest expense to average assets | 2.3877% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5472% | 3,568 |
| Return on assets (ROA) | 0.2532% | 4,207 |
| Pretax return on assets | 0.2532% | 4,260 |
| Return on Equity (ROE) | 2.6517% | 4,162 |
| Retained earnings to average equity (ytd only) | 2.6517% | 3,376 |
| Net charge-offs to loans | -0.0884% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3544% | 1,039 |
| Assets per employee ($millions) | 5.7210% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 1,006 |
| Loan loss allowance to noncurrent loans | 2,101.6667% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,626 |
| Noncurrent loans to loans | 0.0822% | 3,428 |
| Net loans and leases to total assets | 48.1966% | 3,368 |
| Net loans and leases to deposits | 52.8091% | 3,506 |
| Net loans and leases to core deposits | 53.5063% | 3,629 |
| Total domestic deposits to total assets | 91.2657% | 903 |
| Equity capital to assets | 8.5017% | 3,163 |
| Core capital (leverage) ratio | 9.6826% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,920,000 | 3,543 |
| Average earning assets | $136,106,500 | 3,549 |
| Average equity | $14,029,000 | 3,655 |
| Average total loans | $72,392,500 | 3,579 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 2,492 |
| Cost of funding earning assets | 0.0999% | 4,385 |
| Net interest margin | 3.4582% | 1,857 |
| Noninterest income to average assets | 0.2314% | 3,996 |
| Noninterest expense to average assets | 2.3176% | 2,744 |
| Loan and lease loss provision to assets | 0.0524% | 2,009 |
| Net operating income to assets | 1.0571% | 2,454 |
| Return on assets (ROA) | 1.0767% | 2,454 |
| Pretax return on assets | 1.0767% | 3,045 |
| Return on Equity (ROE) | 9.7491% | 2,619 |
| Retained earnings to average equity (ytd only) | 3.4185% | 3,447 |
| Net charge-offs to loans | -0.0202% | 3,984 |
| Credit loss provision to net charge-offs | -535.7143% | 3,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6255% | 2,039 |
| Assets per employee ($millions) | 6.3084% | 2,480 |
| Cash dividends to net income (ytd only)* | 64.9351% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 976 |
| Loan loss allowance to noncurrent loans | 2,008.0645% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,701 |
| Noncurrent loans to loans | 0.0863% | 3,504 |
| Net loans and leases to total assets | 48.6502% | 3,440 |
| Net loans and leases to deposits | 54.6461% | 3,545 |
| Net loans and leases to core deposits | 55.4014% | 3,669 |
| Total domestic deposits to total assets | 89.0277% | 1,502 |
| Equity capital to assets | 10.6222% | 2,071 |
| Core capital (leverage) ratio | 9.5044% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,033,000 | 3,555 |
| Average earning assets | $132,177,000 | 3,550 |
| Average equity | $15,796,400 | 3,559 |
| Average total loans | $69,180,400 | 3,667 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2203% | 3,567 |
| Cost of funding earning assets | 0.1043% | 4,460 |
| Net interest margin | 3.1159% | 3,014 |
| Noninterest income to average assets | 0.6053% | 2,201 |
| Noninterest expense to average assets | 2.2537% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2293% | 2,066 |
| Return on assets (ROA) | 1.2845% | 1,931 |
| Pretax return on assets | 1.2845% | 2,663 |
| Return on Equity (ROE) | 11.5188% | 2,205 |
| Retained earnings to average equity (ytd only) | 11.5188% | 941 |
| Net charge-offs to loans | 0.0156% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 164.2500% | 635 |
| Efficiency ratio | 64.7059% | 2,286 |
| Assets per employee ($millions) | 5.8502% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 1,268 |
| Loan loss allowance to noncurrent loans | 1,767.6923% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 3,855 |
| Noncurrent loans to loans | 0.0920% | 3,615 |
| Net loans and leases to total assets | 47.5242% | 3,672 |
| Net loans and leases to deposits | 53.8510% | 3,753 |
| Net loans and leases to core deposits | 54.5098% | 3,884 |
| Total domestic deposits to total assets | 88.2513% | 1,689 |
| Equity capital to assets | 11.2947% | 1,816 |
| Core capital (leverage) ratio | 10.1681% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,518,000 | 3,597 |
| Average earning assets | $131,621,250 | 3,601 |
| Average equity | $15,892,500 | 3,593 |
| Average total loans | $68,517,250 | 3,729 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 3,402 |
| Cost of funding earning assets | 0.1104% | 4,504 |
| Net interest margin | 3.1982% | 2,764 |
| Noninterest income to average assets | 0.6824% | 1,881 |
| Noninterest expense to average assets | 2.2849% | 2,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3492% | 1,713 |
| Return on assets (ROA) | 1.3761% | 1,711 |
| Pretax return on assets | 1.3761% | 2,402 |
| Return on Equity (ROE) | 12.3951% | 1,914 |
| Retained earnings to average equity (ytd only) | 12.3951% | 833 |
| Net charge-offs to loans | 0.0206% | 1,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 136.1429% | 624 |
| Efficiency ratio | 62.8750% | 2,603 |
| Assets per employee ($millions) | 6.4488% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 1,099 |
| Loan loss allowance to noncurrent loans | 1,742.4242% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 3,958 |
| Noncurrent loans to loans | 0.0967% | 3,699 |
| Net loans and leases to total assets | 45.2445% | 3,959 |
| Net loans and leases to deposits | 51.0370% | 4,044 |
| Net loans and leases to core deposits | 51.4972% | 4,157 |
| Total domestic deposits to total assets | 88.6504% | 1,476 |
| Equity capital to assets | 10.9208% | 2,048 |
| Core capital (leverage) ratio | 9.9740% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,272,667 | 3,620 |
| Average earning assets | $130,384,667 | 3,622 |
| Average equity | $15,683,667 | 3,617 |
| Average total loans | $67,804,667 | 3,765 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2172% | 3,652 |
| Cost of funding earning assets | 0.1291% | 4,463 |
| Net interest margin | 3.0881% | 3,031 |
| Noninterest income to average assets | 0.2672% | 3,798 |
| Noninterest expense to average assets | 2.5060% | 2,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6098% | 3,914 |
| Return on assets (ROA) | 0.6359% | 3,915 |
| Pretax return on assets | 0.6359% | 4,132 |
| Return on Equity (ROE) | 5.6785% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.6785% | 3,009 |
| Net charge-offs to loans | -0.0414% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4287% | 798 |
| Assets per employee ($millions) | 6.0584% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 1,043 |
| Loan loss allowance to noncurrent loans | 367.1924% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 3,013 |
| Noncurrent loans to loans | 0.4635% | 2,463 |
| Net loans and leases to total assets | 48.2522% | 3,788 |
| Net loans and leases to deposits | 54.3941% | 3,912 |
| Net loans and leases to core deposits | 54.9152% | 4,056 |
| Total domestic deposits to total assets | 88.7084% | 1,497 |
| Equity capital to assets | 10.9284% | 1,917 |
| Core capital (leverage) ratio | 10.0569% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,747,500 | 3,664 |
| Average earning assets | $127,067,500 | 3,656 |
| Average equity | $15,426,500 | 3,647 |
| Average total loans | $67,578,000 | 3,782 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 3,232 |
| Cost of funding earning assets | 0.1888% | 4,619 |
| Net interest margin | 3.6367% | 2,018 |
| Noninterest income to average assets | 0.3005% | 3,676 |
| Noninterest expense to average assets | 2.4106% | 3,107 |
| Loan and lease loss provision to assets | 0.1618% | 2,352 |
| Net operating income to assets | 1.0535% | 2,092 |
| Return on assets (ROA) | 1.0835% | 2,109 |
| Pretax return on assets | 1.0835% | 2,755 |
| Return on Equity (ROE) | 9.0009% | 2,391 |
| Retained earnings to average equity (ytd only) | 1.1139% | 4,182 |
| Net charge-offs to loans | 0.0458% | 2,150 |
| Credit loss provision to net charge-offs | 700.0000% | 993 |
| Earnings coverage of net charge-offs (x) | 52.5667% | 1,154 |
| Efficiency ratio | 66.4825% | 2,451 |
| Assets per employee ($millions) | 5.9197% | 2,414 |
| Cash dividends to net income (ytd only)* | 87.6245% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 973 |
| Loan loss allowance to noncurrent loans | 389.5623% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 3,201 |
| Noncurrent loans to loans | 0.4449% | 2,642 |
| Net loans and leases to total assets | 48.1807% | 3,961 |
| Net loans and leases to deposits | 54.6572% | 4,083 |
| Net loans and leases to core deposits | 55.1929% | 4,195 |
| Total domestic deposits to total assets | 88.1507% | 1,408 |
| Equity capital to assets | 11.4761% | 1,902 |
| Core capital (leverage) ratio | 10.0099% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,762,400 | 3,628 |
| Average earning assets | $118,652,400 | 3,635 |
| Average equity | $15,620,600 | 3,593 |
| Average total loans | $65,445,400 | 3,820 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,061 |
| Cost of funding earning assets | 0.1961% | 4,688 |
| Net interest margin | 3.7733% | 1,697 |
| Noninterest income to average assets | 0.2559% | 3,948 |
| Noninterest expense to average assets | 2.3812% | 3,194 |
| Loan and lease loss provision to assets | 0.0780% | 3,344 |
| Net operating income to assets | 1.2400% | 1,519 |
| Return on assets (ROA) | 1.2567% | 1,578 |
| Pretax return on assets | 1.2567% | 2,202 |
| Return on Equity (ROE) | 10.3116% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.3116% | 700 |
| Net charge-offs to loans | 0.0471% | 1,939 |
| Credit loss provision to net charge-offs | 326.0870% | 1,682 |
| Earnings coverage of net charge-offs (x) | 55.0870% | 1,141 |
| Efficiency ratio | 64.3701% | 2,674 |
| Assets per employee ($millions) | 5.8712% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 1,185 |
| Loan loss allowance to noncurrent loans | 170.1320% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 2,391 |
| Noncurrent loans to loans | 0.9221% | 1,616 |
| Net loans and leases to total assets | 47.9036% | 4,217 |
| Net loans and leases to deposits | 54.9624% | 4,298 |
| Net loans and leases to core deposits | 55.7593% | 4,388 |
| Total domestic deposits to total assets | 87.1569% | 1,602 |
| Equity capital to assets | 12.2936% | 1,521 |
| Core capital (leverage) ratio | 11.0189% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,165,000 | 3,639 |
| Average earning assets | $116,958,750 | 3,653 |
| Average equity | $15,619,500 | 3,593 |
| Average total loans | $65,117,750 | 3,844 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 2,996 |
| Cost of funding earning assets | 0.1968% | 4,772 |
| Net interest margin | 3.9230% | 1,518 |
| Noninterest income to average assets | 0.2733% | 3,840 |
| Noninterest expense to average assets | 2.4437% | 3,130 |
| Loan and lease loss provision to assets | 0.1192% | 2,828 |
| Net operating income to assets | 1.2886% | 1,389 |
| Return on assets (ROA) | 1.2886% | 1,501 |
| Pretax return on assets | 1.2886% | 2,071 |
| Return on Equity (ROE) | 10.6066% | 1,774 |
| Retained earnings to average equity (ytd only) | 10.6066% | 672 |
| Net charge-offs to loans | 0.0524% | 1,741 |
| Credit loss provision to net charge-offs | 441.1765% | 1,322 |
| Earnings coverage of net charge-offs (x) | 52.1176% | 1,073 |
| Efficiency ratio | 63.4488% | 2,891 |
| Assets per employee ($millions) | 6.0603% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 1,054 |
| Loan loss allowance to noncurrent loans | 241.1628% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 3,021 |
| Noncurrent loans to loans | 0.6559% | 2,223 |
| Net loans and leases to total assets | 48.3942% | 4,239 |
| Net loans and leases to deposits | 55.4079% | 4,320 |
| Net loans and leases to core deposits | 56.0944% | 4,429 |
| Total domestic deposits to total assets | 87.3416% | 1,480 |
| Equity capital to assets | 12.1162% | 1,595 |
| Core capital (leverage) ratio | 11.1382% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,874,000 | 3,647 |
| Average earning assets | $114,809,667 | 3,665 |
| Average equity | $15,292,333 | 3,627 |
| Average total loans | $64,917,333 | 3,854 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 2,972 |
| Cost of funding earning assets | 0.1944% | 4,903 |
| Net interest margin | 4.0904% | 1,152 |
| Noninterest income to average assets | 0.2784% | 3,854 |
| Noninterest expense to average assets | 2.6034% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3950% | 996 |
| Return on assets (ROA) | 1.3950% | 1,073 |
| Pretax return on assets | 1.3950% | 1,577 |
| Return on Equity (ROE) | 11.4659% | 1,271 |
| Retained earnings to average equity (ytd only) | 11.4659% | 487 |
| Net charge-offs to loans | 0.0372% | 1,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 722 |
| Efficiency ratio | 65.1106% | 3,072 |
| Assets per employee ($millions) | 5.6345% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 1,386 |
| Loan loss allowance to noncurrent loans | 181.0056% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 2,729 |
| Noncurrent loans to loans | 0.8215% | 1,964 |
| Net loans and leases to total assets | 51.9486% | 4,116 |
| Net loans and leases to deposits | 59.4351% | 4,219 |
| Net loans and leases to core deposits | 60.2233% | 4,348 |
| Total domestic deposits to total assets | 87.4039% | 1,381 |
| Equity capital to assets | 12.1072% | 1,988 |
| Core capital (leverage) ratio | 11.5037% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,148,000 | 3,677 |
| Average earning assets | $111,088,500 | 3,702 |
| Average equity | $14,861,500 | 3,676 |
| Average total loans | $64,596,500 | 3,873 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 2,693 |
| Cost of funding earning assets | 0.2041% | 4,957 |
| Net interest margin | 4.3721% | 945 |
| Noninterest income to average assets | 0.3047% | 3,866 |
| Noninterest expense to average assets | 2.5828% | 3,228 |
| Loan and lease loss provision to assets | 0.0415% | 3,187 |
| Net operating income to assets | 1.6106% | 818 |
| Return on assets (ROA) | 1.6115% | 876 |
| Pretax return on assets | 1.6115% | 1,453 |
| Return on Equity (ROE) | 12.6231% | 1,291 |
| Retained earnings to average equity (ytd only) | 0.2666% | 4,615 |
| Net charge-offs to loans | 0.1800% | 1,117 |
| Credit loss provision to net charge-offs | 44.2478% | 3,168 |
| Earnings coverage of net charge-offs (x) | 17.6106% | 2,097 |
| Efficiency ratio | 60.9880% | 3,535 |
| Assets per employee ($millions) | 5.4699% | 2,090 |
| Cash dividends to net income (ytd only)* | 97.8877% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 1,128 |
| Loan loss allowance to noncurrent loans | 151.0802% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 2,281 |
| Noncurrent loans to loans | 1.0153% | 1,495 |
| Net loans and leases to total assets | 52.2258% | 4,208 |
| Net loans and leases to deposits | 59.8355% | 4,298 |
| Net loans and leases to core deposits | 60.6210% | 4,414 |
| Total domestic deposits to total assets | 87.2824% | 1,463 |
| Equity capital to assets | 12.2282% | 1,995 |
| Core capital (leverage) ratio | 11.0464% | 2,461 |
| Tier 1 risk-based capital ratio | 18.3727% | 1,678 |
| Total risk-based capital ratio | 19.6226% | 1,640 |
| Memoranda: | ||
| Average total assets | $120,449,600 | 3,695 |
| Average earning assets | $108,276,400 | 3,744 |
| Average equity | $15,376,600 | 3,600 |
| Average total loans | $62,769,600 | 3,934 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 2,687 |
| Cost of funding earning assets | 0.1985% | 5,042 |
| Net interest margin | 4.4130% | 921 |
| Noninterest income to average assets | 0.3065% | 3,908 |
| Noninterest expense to average assets | 2.6018% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6667% | 796 |
| Return on assets (ROA) | 1.6667% | 841 |
| Pretax return on assets | 1.6667% | 1,429 |
| Return on Equity (ROE) | 12.9195% | 1,311 |
| Retained earnings to average equity (ytd only) | 12.9195% | 290 |
| Net charge-offs to loans | 0.0128% | 2,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 250.9938% | 370 |
| Efficiency ratio | 60.9541% | 3,484 |
| Assets per employee ($millions) | 5.3175% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 1,012 |
| Loan loss allowance to noncurrent loans | 340.4605% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 3,574 |
| Noncurrent loans to loans | 0.4668% | 2,901 |
| Net loans and leases to total assets | 52.4080% | 4,293 |
| Net loans and leases to deposits | 62.6378% | 4,256 |
| Net loans and leases to core deposits | 63.4740% | 4,400 |
| Total domestic deposits to total assets | 83.6683% | 2,945 |
| Equity capital to assets | 13.5591% | 1,333 |
| Core capital (leverage) ratio | 12.6612% | 1,498 |
| Tier 1 risk-based capital ratio | 21.1180% | 1,180 |
| Total risk-based capital ratio | 22.3698% | 1,159 |
| Memoranda: | ||
| Average total assets | $120,477,750 | 3,732 |
| Average earning assets | $108,161,500 | 3,787 |
| Average equity | $15,542,000 | 3,623 |
| Average total loans | $62,505,500 | 3,978 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 2,700 |
| Cost of funding earning assets | 0.1902% | 5,095 |
| Net interest margin | 4.4013% | 939 |
| Noninterest income to average assets | 0.3220% | 3,780 |
| Noninterest expense to average assets | 2.5528% | 3,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7469% | 664 |
| Return on assets (ROA) | 1.7469% | 694 |
| Pretax return on assets | 1.7469% | 1,176 |
| Return on Equity (ROE) | 13.7808% | 1,027 |
| Retained earnings to average equity (ytd only) | 13.7808% | 238 |
| Net charge-offs to loans | 0.0389% | 2,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 87.2500% | 766 |
| Efficiency ratio | 59.3714% | 3,815 |
| Assets per employee ($millions) | 5.3627% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 947 |
| Loan loss allowance to noncurrent loans | 149.0593% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 2,340 |
| Noncurrent loans to loans | 1.0994% | 1,494 |
| Net loans and leases to total assets | 50.1232% | 4,461 |
| Net loans and leases to deposits | 58.0732% | 4,513 |
| Net loans and leases to core deposits | 58.8180% | 4,614 |
| Total domestic deposits to total assets | 86.3104% | 1,888 |
| Equity capital to assets | 12.9988% | 1,587 |
| Core capital (leverage) ratio | 12.2149% | 1,690 |
| Tier 1 risk-based capital ratio | 20.9177% | 1,188 |
| Total risk-based capital ratio | 22.1708% | 1,173 |
| Memoranda: | ||
| Average total assets | $119,869,670 | 3,765 |
| Average earning assets | $108,331,000 | 3,801 |
| Average equity | $15,195,000 | 3,662 |
| Average total loans | $61,630,330 | 4,013 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 2,169 |
| Cost of funding earning assets | 0.1800% | 5,160 |
| Net interest margin | 4.5365% | 691 |
| Noninterest income to average assets | 0.2844% | 3,973 |
| Noninterest expense to average assets | 2.5598% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8217% | 548 |
| Return on assets (ROA) | 1.8217% | 565 |
| Pretax return on assets | 1.8217% | 937 |
| Return on Equity (ROE) | 14.5642% | 842 |
| Retained earnings to average equity (ytd only) | 14.5642% | 309 |
| Net charge-offs to loans | 0.0852% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 41.3846% | 1,132 |
| Efficiency ratio | 58.4235% | 4,019 |
| Assets per employee ($millions) | 5.4328% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 988 |
| Loan loss allowance to noncurrent loans | 309.6386% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 3,497 |
| Noncurrent loans to loans | 0.5300% | 2,729 |
| Net loans and leases to total assets | 51.5545% | 4,372 |
| Net loans and leases to deposits | 59.4273% | 4,445 |
| Net loans and leases to core deposits | 60.0318% | 4,563 |
| Total domestic deposits to total assets | 86.7522% | 1,932 |
| Equity capital to assets | 12.6362% | 1,667 |
| Core capital (leverage) ratio | 12.0796% | 1,725 |
| Tier 1 risk-based capital ratio | 20.3680% | 1,268 |
| Total risk-based capital ratio | 21.6203% | 1,242 |
| Memoranda: | ||
| Average total assets | $118,133,500 | 3,838 |
| Average earning assets | $106,691,000 | 3,865 |
| Average equity | $14,776,000 | 3,714 |
| Average total loans | $61,019,000 | 4,070 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3389% | 2,966 |
| Cost of funding earning assets | 0.1595% | 5,151 |
| Net interest margin | 4.1794% | 1,452 |
| Noninterest income to average assets | 0.3462% | 3,798 |
| Noninterest expense to average assets | 2.7567% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3593% | 1,576 |
| Return on assets (ROA) | 1.3593% | 1,561 |
| Pretax return on assets | 1.3593% | 2,276 |
| Return on Equity (ROE) | 10.8038% | 2,164 |
| Retained earnings to average equity (ytd only) | 0.5449% | 4,839 |
| Net charge-offs to loans | -0.0264% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9751% | 2,714 |
| Assets per employee ($millions) | 5.0759% | 2,403 |
| Cash dividends to net income (ytd only)* | 94.9564% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 749 |
| Loan loss allowance to noncurrent loans | 619.6429% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 4,108 |
| Noncurrent loans to loans | 0.2829% | 3,553 |
| Net loans and leases to total assets | 49.9807% | 4,519 |
| Net loans and leases to deposits | 57.4509% | 4,596 |
| Net loans and leases to core deposits | 58.1923% | 4,695 |
| Total domestic deposits to total assets | 86.9973% | 1,789 |
| Equity capital to assets | 12.3765% | 1,647 |
| Core capital (leverage) ratio | 11.4316% | 2,153 |
| Tier 1 risk-based capital ratio | 20.9404% | 1,160 |
| Total risk-based capital ratio | 22.1943% | 1,147 |
| Memoranda: | ||
| Average total assets | $118,150,600 | 3,819 |
| Average earning assets | $106,571,200 | 3,866 |
| Average equity | $14,865,200 | 3,656 |
| Average total loans | $60,537,800 | 4,077 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,955 |
| Cost of funding earning assets | 0.1598% | 5,192 |
| Net interest margin | 4.1422% | 1,516 |
| Noninterest income to average assets | 0.3240% | 3,979 |
| Noninterest expense to average assets | 2.6902% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3670% | 1,599 |
| Return on assets (ROA) | 1.3670% | 1,601 |
| Pretax return on assets | 1.3670% | 2,352 |
| Return on Equity (ROE) | 10.8219% | 2,250 |
| Retained earnings to average equity (ytd only) | 4.1417% | 3,702 |
| Net charge-offs to loans | -0.0373% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3062% | 2,813 |
| Assets per employee ($millions) | 5.3285% | 2,095 |
| Cash dividends to net income (ytd only)* | 61.7287% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 798 |
| Loan loss allowance to noncurrent loans | 1,120.4301% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 4,574 |
| Noncurrent loans to loans | 0.1564% | 4,172 |
| Net loans and leases to total assets | 49.8337% | 4,608 |
| Net loans and leases to deposits | 57.6357% | 4,664 |
| Net loans and leases to core deposits | 58.3776% | 4,765 |
| Total domestic deposits to total assets | 86.4631% | 1,984 |
| Equity capital to assets | 12.7256% | 1,454 |
| Core capital (leverage) ratio | 12.3505% | 1,579 |
| Tier 1 risk-based capital ratio | 22.6651% | 973 |
| Total risk-based capital ratio | 23.9193% | 953 |
| Memoranda: | ||
| Average total assets | $118,502,000 | 3,850 |
| Average earning assets | $106,801,250 | 3,902 |
| Average equity | $14,969,250 | 3,668 |
| Average total loans | $60,824,500 | 4,116 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 2,856 |
| Cost of funding earning assets | 0.1546% | 5,227 |
| Net interest margin | 4.1189% | 1,492 |
| Noninterest income to average assets | 0.3414% | 3,898 |
| Noninterest expense to average assets | 2.7109% | 2,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3504% | 1,600 |
| Return on assets (ROA) | 1.3504% | 1,605 |
| Pretax return on assets | 1.3504% | 2,325 |
| Return on Equity (ROE) | 10.7164% | 2,224 |
| Retained earnings to average equity (ytd only) | 10.7164% | 729 |
| Net charge-offs to loans | -0.0392% | 4,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7495% | 2,857 |
| Assets per employee ($millions) | 5.9782% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 959 |
| Loan loss allowance to noncurrent loans | 1,220.0000% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 4,654 |
| Noncurrent loans to loans | 0.1367% | 4,292 |
| Net loans and leases to total assets | 51.1232% | 4,535 |
| Net loans and leases to deposits | 59.3297% | 4,568 |
| Net loans and leases to core deposits | 60.0802% | 4,702 |
| Total domestic deposits to total assets | 86.1681% | 2,206 |
| Equity capital to assets | 12.7973% | 1,396 |
| Core capital (leverage) ratio | 12.4764% | 1,453 |
| Tier 1 risk-based capital ratio | 22.6183% | 974 |
| Total risk-based capital ratio | 23.8718% | 955 |
| Memoranda: | ||
| Average total assets | $118,926,670 | 3,880 |
| Average earning assets | $107,408,000 | 3,924 |
| Average equity | $14,986,330 | 3,687 |
| Average total loans | $61,279,000 | 4,131 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,731 |
| Cost of funding earning assets | 0.1488% | 5,276 |
| Net interest margin | 4.0948% | 1,450 |
| Noninterest income to average assets | 0.2900% | 4,229 |
| Noninterest expense to average assets | 2.7115% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2916% | 1,670 |
| Return on assets (ROA) | 1.2916% | 1,674 |
| Pretax return on assets | 1.2916% | 2,399 |
| Return on Equity (ROE) | 10.3311% | 2,263 |
| Retained earnings to average equity (ytd only) | 10.3311% | 1,061 |
| Net charge-offs to loans | -0.0526% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7338% | 2,875 |
| Assets per employee ($millions) | 5.0033% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6974% | 950 |
| Loan loss allowance to noncurrent loans | 1,187.3563% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 4,726 |
| Noncurrent loans to loans | 0.1430% | 4,326 |
| Net loans and leases to total assets | 49.8201% | 4,570 |
| Net loans and leases to deposits | 57.4983% | 4,611 |
| Net loans and leases to core deposits | 58.3599% | 4,735 |
| Total domestic deposits to total assets | 86.6462% | 2,257 |
| Equity capital to assets | 12.4103% | 1,541 |
| Core capital (leverage) ratio | 12.0495% | 1,621 |
| Tier 1 risk-based capital ratio | 21.8496% | 1,074 |
| Total risk-based capital ratio | 23.1038% | 1,050 |
| Memoranda: | ||
| Average total assets | $118,608,000 | 3,921 |
| Average earning assets | $107,551,500 | 3,959 |
| Average equity | $14,829,000 | 3,732 |
| Average total loans | $60,837,500 | 4,182 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 2,997 |
| Cost of funding earning assets | 0.1677% | 5,172 |
| Net interest margin | 3.9495% | 1,919 |
| Noninterest income to average assets | 0.3195% | 4,177 |
| Noninterest expense to average assets | 2.7738% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1565% | 1,661 |
| Return on assets (ROA) | 1.1565% | 1,688 |
| Pretax return on assets | 1.1565% | 2,960 |
| Return on Equity (ROE) | 9.0297% | 2,301 |
| Retained earnings to average equity (ytd only) | 2.3062% | 3,939 |
| Net charge-offs to loans | 0.0391% | 3,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 58.3913% | 971 |
| Efficiency ratio | 70.5741% | 2,461 |
| Assets per employee ($millions) | 4.8808% | 2,631 |
| Cash dividends to net income (ytd only)* | 74.4602% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6853% | 968 |
| Loan loss allowance to noncurrent loans | 1,045.9184% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 4,703 |
| Noncurrent loans to loans | 0.1611% | 4,284 |
| Net loans and leases to total assets | 51.0458% | 4,591 |
| Net loans and leases to deposits | 59.0605% | 4,641 |
| Net loans and leases to core deposits | 59.9697% | 4,758 |
| Total domestic deposits to total assets | 86.4297% | 2,262 |
| Equity capital to assets | 12.5971% | 1,459 |
| Core capital (leverage) ratio | 11.6347% | 1,844 |
| Tier 1 risk-based capital ratio | 22.1683% | 999 |
| Total risk-based capital ratio | 23.4231% | 971 |
| Memoranda: | ||
| Average total assets | $116,122,600 | 3,959 |
| Average earning assets | $106,165,000 | 3,982 |
| Average equity | $14,873,200 | 3,731 |
| Average total loans | $58,774,400 | 4,232 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 3,110 |
| Cost of funding earning assets | 0.1696% | 5,204 |
| Net interest margin | 3.8955% | 2,058 |
| Noninterest income to average assets | 0.3279% | 4,193 |
| Noninterest expense to average assets | 2.7410% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1553% | 1,858 |
| Return on assets (ROA) | 1.1553% | 1,901 |
| Pretax return on assets | 1.1553% | 3,093 |
| Return on Equity (ROE) | 8.9826% | 2,613 |
| Retained earnings to average equity (ytd only) | 5.8512% | 2,335 |
| Net charge-offs to loans | 0.0618% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 37.1842% | 1,373 |
| Efficiency ratio | 70.3485% | 2,482 |
| Assets per employee ($millions) | 5.1479% | 2,281 |
| Cash dividends to net income (ytd only)* | 34.8610% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 992 |
| Loan loss allowance to noncurrent loans | 597.0760% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 4,539 |
| Noncurrent loans to loans | 0.2879% | 3,912 |
| Net loans and leases to total assets | 49.3024% | 4,752 |
| Net loans and leases to deposits | 57.3231% | 4,801 |
| Net loans and leases to core deposits | 58.1992% | 4,909 |
| Total domestic deposits to total assets | 86.0078% | 2,308 |
| Equity capital to assets | 12.8224% | 1,483 |
| Core capital (leverage) ratio | 12.0074% | 1,680 |
| Tier 1 risk-based capital ratio | 22.9769% | 951 |
| Total risk-based capital ratio | 24.2321% | 936 |
| Memoranda: | ||
| Average total assets | $115,868,750 | 4,003 |
| Average earning assets | $106,136,000 | 4,022 |
| Average equity | $14,902,500 | 3,765 |
| Average total loans | $58,263,250 | 4,281 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 3,105 |
| Cost of funding earning assets | 0.1691% | 5,213 |
| Net interest margin | 3.8572% | 2,067 |
| Noninterest income to average assets | 0.3338% | 4,158 |
| Noninterest expense to average assets | 2.7403% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1232% | 1,881 |
| Return on assets (ROA) | 1.1232% | 1,932 |
| Pretax return on assets | 1.1232% | 3,077 |
| Return on Equity (ROE) | 8.7242% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.7242% | 930 |
| Net charge-offs to loans | 0.0207% | 2,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 107.6667% | 621 |
| Efficiency ratio | 70.9271% | 2,522 |
| Assets per employee ($millions) | 4.8973% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7993% | 887 |
| Loan loss allowance to noncurrent loans | 423.5772% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 4,211 |
| Noncurrent loans to loans | 0.4248% | 3,496 |
| Net loans and leases to total assets | 48.3856% | 4,797 |
| Net loans and leases to deposits | 56.4887% | 4,837 |
| Net loans and leases to core deposits | 57.0738% | 4,948 |
| Total domestic deposits to total assets | 85.6553% | 2,547 |
| Equity capital to assets | 12.9383% | 1,399 |
| Core capital (leverage) ratio | 12.2986% | 1,473 |
| Tier 1 risk-based capital ratio | 24.4919% | 806 |
| Total risk-based capital ratio | 25.7482% | 780 |
| Memoranda: | ||
| Average total assets | $115,024,330 | 4,043 |
| Average earning assets | $105,257,000 | 4,066 |
| Average equity | $14,809,330 | 3,783 |
| Average total loans | $57,885,670 | 4,316 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 2,796 |
| Cost of funding earning assets | 0.1181% | 5,573 |
| Net interest margin | 3.9429% | 1,632 |
| Noninterest income to average assets | 0.3129% | 4,312 |
| Noninterest expense to average assets | 2.8233% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1286% | 1,757 |
| Return on assets (ROA) | 1.1286% | 1,793 |
| Pretax return on assets | 1.1286% | 2,868 |
| Return on Equity (ROE) | 8.7882% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.7882% | 1,147 |
| Net charge-offs to loans | 0.0760% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 29.1818% | 1,235 |
| Efficiency ratio | 71.4413% | 2,674 |
| Assets per employee ($millions) | 4.7840% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8245% | 917 |
| Loan loss allowance to noncurrent loans | 409.8814% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 4,229 |
| Noncurrent loans to loans | 0.4451% | 3,499 |
| Net loans and leases to total assets | 48.6008% | 4,778 |
| Net loans and leases to deposits | 56.6588% | 4,777 |
| Net loans and leases to core deposits | 57.2582% | 4,911 |
| Total domestic deposits to total assets | 85.7780% | 2,764 |
| Equity capital to assets | 12.8729% | 1,317 |
| Core capital (leverage) ratio | 12.3016% | 1,445 |
| Tier 1 risk-based capital ratio | 24.1149% | 857 |
| Total risk-based capital ratio | 25.3725% | 839 |
| Memoranda: | ||
| Average total assets | $113,769,000 | 4,101 |
| Average earning assets | $105,000,000 | 4,101 |
| Average equity | $14,610,500 | 3,833 |
| Average total loans | $57,872,500 | 4,351 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3327% | 2,038 |
| Cost of funding earning assets | 0.1887% | 5,121 |
| Net interest margin | 4.1441% | 1,260 |
| Noninterest income to average assets | 0.3091% | 4,526 |
| Noninterest expense to average assets | 2.8724% | 2,777 |
| Loan and lease loss provision to assets | 0.0449% | 3,487 |
| Net operating income to assets | 1.2004% | 1,511 |
| Return on assets (ROA) | 1.2004% | 1,596 |
| Pretax return on assets | 1.2004% | 2,673 |
| Return on Equity (ROE) | 9.2563% | 2,288 |
| Retained earnings to average equity (ytd only) | 2.2725% | 4,232 |
| Net charge-offs to loans | 0.0132% | 3,834 |
| Credit loss provision to net charge-offs | 625.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 173.2500% | 373 |
| Efficiency ratio | 69.7578% | 2,944 |
| Assets per employee ($millions) | 5.1238% | 2,260 |
| Cash dividends to net income (ytd only)* | 75.4491% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 979 |
| Loan loss allowance to noncurrent loans | 455.6522% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 4,383 |
| Noncurrent loans to loans | 0.3904% | 3,746 |
| Net loans and leases to total assets | 51.3285% | 4,663 |
| Net loans and leases to deposits | 59.8106% | 4,682 |
| Net loans and leases to core deposits | 60.5701% | 4,833 |
| Total domestic deposits to total assets | 85.8183% | 2,670 |
| Equity capital to assets | 12.8111% | 1,343 |
| Core capital (leverage) ratio | 12.1042% | 1,535 |
| Tier 1 risk-based capital ratio | 23.0006% | 965 |
| Total risk-based capital ratio | 24.2573% | 950 |
| Memoranda: | ||
| Average total assets | $111,300,800 | 4,142 |
| Average earning assets | $102,291,000 | 4,159 |
| Average equity | $14,433,400 | 3,883 |
| Average total loans | $60,575,000 | 4,281 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4162% | 1,811 |
| Cost of funding earning assets | 0.1950% | 5,124 |
| Net interest margin | 4.2212% | 1,076 |
| Noninterest income to average assets | 0.3161% | 4,509 |
| Noninterest expense to average assets | 2.8770% | 2,712 |
| Loan and lease loss provision to assets | 0.0300% | 3,638 |
| Net operating income to assets | 1.2859% | 1,338 |
| Return on assets (ROA) | 1.2859% | 1,444 |
| Pretax return on assets | 1.2859% | 2,490 |
| Return on Equity (ROE) | 9.8855% | 2,101 |
| Retained earnings to average equity (ytd only) | 4.2683% | 3,285 |
| Net charge-offs to loans | -0.0175% | 4,963 |
| Credit loss provision to net charge-offs | -312.5000% | 4,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6156% | 3,120 |
| Assets per employee ($millions) | 4.8632% | 2,550 |
| Cash dividends to net income (ytd only)* | 56.8227% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 1,144 |
| Loan loss allowance to noncurrent loans | 71.7046% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 1,440 |
| Noncurrent loans to loans | 2.4121% | 744 |
| Net loans and leases to total assets | 52.7782% | 4,587 |
| Net loans and leases to deposits | 62.0027% | 4,627 |
| Net loans and leases to core deposits | 63.2225% | 4,762 |
| Total domestic deposits to total assets | 85.1224% | 2,743 |
| Equity capital to assets | 13.2889% | 1,351 |
| Core capital (leverage) ratio | 12.2967% | 1,482 |
| Tier 1 risk-based capital ratio | 22.8042% | 1,028 |
| Total risk-based capital ratio | 24.0602% | 1,013 |
| Memoranda: | ||
| Average total assets | $110,945,250 | 4,172 |
| Average earning assets | $101,895,250 | 4,193 |
| Average equity | $14,431,500 | 3,920 |
| Average total loans | $60,992,000 | 4,293 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 2,483 |
| Cost of funding earning assets | 0.1968% | 5,179 |
| Net interest margin | 4.0132% | 1,603 |
| Noninterest income to average assets | 0.3525% | 4,255 |
| Noninterest expense to average assets | 2.8850% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1533% | 1,764 |
| Return on assets (ROA) | 1.1533% | 1,881 |
| Pretax return on assets | 1.1533% | 2,976 |
| Return on Equity (ROE) | 8.9310% | 2,524 |
| Retained earnings to average equity (ytd only) | 2.0998% | 4,517 |
| Net charge-offs to loans | -0.0196% | 4,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4414% | 2,753 |
| Assets per employee ($millions) | 4.9323% | 2,379 |
| Cash dividends to net income (ytd only)* | 76.4890% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 1,283 |
| Loan loss allowance to noncurrent loans | 79.0008% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.1556% | 1,828 |
| Noncurrent loans to loans | 2.1452% | 899 |
| Net loans and leases to total assets | 51.7467% | 4,700 |
| Net loans and leases to deposits | 60.5935% | 4,762 |
| Net loans and leases to core deposits | 61.7640% | 4,899 |
| Total domestic deposits to total assets | 85.3997% | 2,686 |
| Equity capital to assets | 12.8249% | 1,601 |
| Core capital (leverage) ratio | 12.0266% | 1,611 |
| Tier 1 risk-based capital ratio | 21.8938% | 1,148 |
| Total risk-based capital ratio | 23.1492% | 1,132 |
| Memoranda: | ||
| Average total assets | $110,642,670 | 4,216 |
| Average earning assets | $101,615,330 | 4,236 |
| Average equity | $14,287,330 | 3,957 |
| Average total loans | $61,298,330 | 4,304 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 1,988 |
| Cost of funding earning assets | 0.2037% | 5,169 |
| Net interest margin | 4.1387% | 1,239 |
| Noninterest income to average assets | 0.2783% | 4,729 |
| Noninterest expense to average assets | 2.9659% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1058% | 1,874 |
| Return on assets (ROA) | 1.1058% | 1,980 |
| Pretax return on assets | 1.1058% | 3,072 |
| Return on Equity (ROE) | 8.5332% | 2,648 |
| Retained earnings to average equity (ytd only) | -1.3563% | 5,319 |
| Net charge-offs to loans | -0.0451% | 5,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8417% | 2,671 |
| Assets per employee ($millions) | 4.7939% | 2,601 |
| Cash dividends to net income (ytd only)* | 115.8940% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 1,533 |
| Loan loss allowance to noncurrent loans | 297.0674% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 3,495 |
| Noncurrent loans to loans | 0.5480% | 3,537 |
| Net loans and leases to total assets | 55.5170% | 4,304 |
| Net loans and leases to deposits | 65.0545% | 4,340 |
| Net loans and leases to core deposits | 66.3088% | 4,518 |
| Total domestic deposits to total assets | 85.3392% | 2,987 |
| Equity capital to assets | 12.8913% | 1,465 |
| Core capital (leverage) ratio | 11.9826% | 1,615 |
| Tier 1 risk-based capital ratio | 21.1547% | 1,290 |
| Total risk-based capital ratio | 22.4088% | 1,267 |
| Memoranda: | ||
| Average total assets | $109,242,500 | 4,275 |
| Average earning assets | $100,128,000 | 4,293 |
| Average equity | $14,156,500 | 3,988 |
| Average total loans | $62,090,000 | 4,311 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,470 |
| Cost of funding earning assets | 0.2025% | 5,267 |
| Net interest margin | 4.0232% | 1,639 |
| Noninterest income to average assets | 0.3646% | 4,294 |
| Noninterest expense to average assets | 2.9516% | 2,698 |
| Loan and lease loss provision to assets | 0.0229% | 3,925 |
| Net operating income to assets | 1.0856% | 1,987 |
| Return on assets (ROA) | 1.0810% | 2,071 |
| Pretax return on assets | 1.0810% | 3,148 |
| Return on Equity (ROE) | 8.4478% | 2,736 |
| Retained earnings to average equity (ytd only) | 1.3960% | 4,928 |
| Net charge-offs to loans | 0.1145% | 2,228 |
| Credit loss provision to net charge-offs | 36.2319% | 3,577 |
| Earnings coverage of net charge-offs (x) | 17.5362% | 2,066 |
| Efficiency ratio | 72.6986% | 2,789 |
| Assets per employee ($millions) | 4.7054% | 2,723 |
| Cash dividends to net income (ytd only)* | 83.4746% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 1,543 |
| Loan loss allowance to noncurrent loans | 424.4726% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 3,849 |
| Noncurrent loans to loans | 0.3825% | 4,079 |
| Net loans and leases to total assets | 56.3160% | 4,271 |
| Net loans and leases to deposits | 69.1891% | 4,002 |
| Net loans and leases to core deposits | 70.7152% | 4,246 |
| Total domestic deposits to total assets | 81.3943% | 4,375 |
| Equity capital to assets | 13.0275% | 1,335 |
| Core capital (leverage) ratio | 12.1863% | 1,509 |
| Tier 1 risk-based capital ratio | 21.3102% | 1,250 |
| Total risk-based capital ratio | 22.5653% | 1,230 |
| Memoranda: | ||
| Average total assets | $109,160,600 | 4,276 |
| Average earning assets | $100,269,200 | 4,280 |
| Average equity | $13,968,200 | 3,983 |
| Average total loans | $60,274,800 | 4,371 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 2,703 |
| Cost of funding earning assets | 0.2001% | 5,373 |
| Net interest margin | 3.9632% | 1,833 |
| Noninterest income to average assets | 0.3608% | 4,351 |
| Noninterest expense to average assets | 2.9373% | 2,718 |
| Loan and lease loss provision to assets | 0.0305% | 3,625 |
| Net operating income to assets | 1.0372% | 2,288 |
| Return on assets (ROA) | 1.0311% | 2,416 |
| Pretax return on assets | 1.0311% | 3,500 |
| Return on Equity (ROE) | 8.0942% | 3,028 |
| Retained earnings to average equity (ytd only) | 2.4971% | 4,627 |
| Net charge-offs to loans | 0.1515% | 1,622 |
| Credit loss provision to net charge-offs | 36.7647% | 3,200 |
| Earnings coverage of net charge-offs (x) | 12.8830% | 2,369 |
| Efficiency ratio | 73.3414% | 2,658 |
| Assets per employee ($millions) | 4.9715% | 2,334 |
| Cash dividends to net income (ytd only)* | 69.1490% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 1,584 |
| Loan loss allowance to noncurrent loans | 208.0579% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 3,152 |
| Noncurrent loans to loans | 0.7975% | 2,968 |
| Net loans and leases to total assets | 54.5696% | 4,502 |
| Net loans and leases to deposits | 67.5980% | 4,229 |
| Net loans and leases to core deposits | 69.4205% | 4,423 |
| Total domestic deposits to total assets | 80.7267% | 4,537 |
| Equity capital to assets | 13.0680% | 1,414 |
| Core capital (leverage) ratio | 12.0955% | 1,622 |
| Tier 1 risk-based capital ratio | 21.6341% | 1,244 |
| Total risk-based capital ratio | 22.8894% | 1,221 |
| Memoranda: | ||
| Average total assets | $109,394,500 | 4,314 |
| Average earning assets | $100,589,750 | 4,318 |
| Average equity | $13,935,500 | 4,032 |
| Average total loans | $59,855,000 | 4,428 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,049 |
| Cost of funding earning assets | 0.1926% | 5,509 |
| Net interest margin | 3.8661% | 2,085 |
| Noninterest income to average assets | 0.3455% | 4,488 |
| Noninterest expense to average assets | 2.9689% | 2,654 |
| Loan and lease loss provision to assets | 0.0457% | 3,200 |
| Net operating income to assets | 0.8903% | 2,933 |
| Return on assets (ROA) | 0.8812% | 3,099 |
| Pretax return on assets | 0.8812% | 4,026 |
| Return on Equity (ROE) | 6.9773% | 3,621 |
| Retained earnings to average equity (ytd only) | 0.5645% | 5,328 |
| Net charge-offs to loans | 0.2820% | 933 |
| Credit loss provision to net charge-offs | 29.7619% | 2,928 |
| Earnings coverage of net charge-offs (x) | 6.0952% | 2,827 |
| Efficiency ratio | 76.0300% | 2,349 |
| Assets per employee ($millions) | 4.6710% | 2,716 |
| Cash dividends to net income (ytd only)* | 91.9087% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 1,797 |
| Loan loss allowance to noncurrent loans | 172.6481% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 3,096 |
| Noncurrent loans to loans | 0.9481% | 2,756 |
| Net loans and leases to total assets | 53.1216% | 4,645 |
| Net loans and leases to deposits | 62.1557% | 4,691 |
| Net loans and leases to core deposits | 63.6961% | 4,833 |
| Total domestic deposits to total assets | 85.4654% | 2,939 |
| Equity capital to assets | 12.3937% | 1,730 |
| Core capital (leverage) ratio | 11.6100% | 1,913 |
| Tier 1 risk-based capital ratio | 20.7754% | 1,412 |
| Total risk-based capital ratio | 22.0305% | 1,386 |
| Memoranda: | ||
| Average total assets | $109,401,330 | 4,353 |
| Average earning assets | $100,722,670 | 4,352 |
| Average equity | $13,816,330 | 4,078 |
| Average total loans | $59,576,000 | 4,478 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 2,932 |
| Cost of funding earning assets | 0.1811% | 5,673 |
| Net interest margin | 3.8950% | 1,915 |
| Noninterest income to average assets | 0.3406% | 4,472 |
| Noninterest expense to average assets | 3.3355% | 1,638 |
| Loan and lease loss provision to assets | 0.0926% | 2,143 |
| Net operating income to assets | 0.4961% | 4,701 |
| Return on assets (ROA) | 0.7367% | 3,737 |
| Pretax return on assets | 0.7367% | 4,475 |
| Return on Equity (ROE) | 5.7775% | 4,148 |
| Retained earnings to average equity (ytd only) | -6.5614% | 6,018 |
| Net charge-offs to loans | 0.0406% | 2,415 |
| Credit loss provision to net charge-offs | 416.6667% | 632 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,239 |
| Efficiency ratio | 85.0000% | 1,269 |
| Assets per employee ($millions) | 4.4731% | 3,094 |
| Cash dividends to net income (ytd only)* | 213.5678% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 1,473 |
| Loan loss allowance to noncurrent loans | 92.3143% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 2,187 |
| Noncurrent loans to loans | 1.9642% | 1,339 |
| Net loans and leases to total assets | 53.9192% | 4,453 |
| Net loans and leases to deposits | 63.4273% | 4,436 |
| Net loans and leases to core deposits | 64.6456% | 4,642 |
| Total domestic deposits to total assets | 85.0095% | 3,400 |
| Equity capital to assets | 12.8359% | 1,492 |
| Core capital (leverage) ratio | 11.8187% | 1,763 |
| Tier 1 risk-based capital ratio | 21.6494% | 1,294 |
| Total risk-based capital ratio | 22.9070% | 1,267 |
| Memoranda: | ||
| Average total assets | $108,049,500 | 4,411 |
| Average earning assets | $99,410,500 | 4,415 |
| Average equity | $13,777,500 | 4,114 |
| Average total loans | $59,092,500 | 4,519 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,709 |
| Cost of funding earning assets | 0.2522% | 5,302 |
| Net interest margin | 3.7543% | 2,799 |
| Noninterest income to average assets | 0.3843% | 4,301 |
| Noninterest expense to average assets | 2.8091% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0055% | 2,354 |
| Return on assets (ROA) | 1.0322% | 2,326 |
| Pretax return on assets | 1.0322% | 3,380 |
| Return on Equity (ROE) | 8.3114% | 2,959 |
| Retained earnings to average equity (ytd only) | 0.1929% | 5,689 |
| Net charge-offs to loans | 0.0530% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 37.6207% | 1,142 |
| Efficiency ratio | 73.6410% | 2,893 |
| Assets per employee ($millions) | 4.5310% | 2,990 |
| Cash dividends to net income (ytd only)* | 97.6786% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7727% | 1,589 |
| Loan loss allowance to noncurrent loans | 131.2500% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 3,115 |
| Noncurrent loans to loans | 1.3506% | 2,180 |
| Net loans and leases to total assets | 53.5027% | 4,636 |
| Net loans and leases to deposits | 64.2770% | 4,495 |
| Net loans and leases to core deposits | 65.6670% | 4,692 |
| Total domestic deposits to total assets | 83.2377% | 3,996 |
| Equity capital to assets | 12.6674% | 1,559 |
| Core capital (leverage) ratio | 11.9269% | 1,676 |
| Tier 1 risk-based capital ratio | 22.0910% | 1,211 |
| Total risk-based capital ratio | 23.3471% | 1,183 |
| Memoranda: | ||
| Average total assets | $108,503,600 | 4,408 |
| Average earning assets | $99,139,400 | 4,416 |
| Average equity | $13,475,400 | 4,108 |
| Average total loans | $54,728,400 | 4,660 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 3,727 |
| Cost of funding earning assets | 0.2724% | 5,182 |
| Net interest margin | 3.7353% | 2,871 |
| Noninterest income to average assets | 0.3848% | 4,356 |
| Noninterest expense to average assets | 2.7627% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0279% | 2,333 |
| Return on assets (ROA) | 1.0635% | 2,247 |
| Pretax return on assets | 1.0635% | 3,327 |
| Return on Equity (ROE) | 8.6064% | 2,901 |
| Retained earnings to average equity (ytd only) | 1.7014% | 5,197 |
| Net charge-offs to loans | 0.0771% | 3,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 26.9693% | 1,469 |
| Efficiency ratio | 72.8836% | 3,024 |
| Assets per employee ($millions) | 4.7227% | 2,630 |
| Cash dividends to net income (ytd only)* | 80.2315% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9140% | 1,420 |
| Loan loss allowance to noncurrent loans | 115.2915% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 3,090 |
| Noncurrent loans to loans | 1.6602% | 1,964 |
| Net loans and leases to total assets | 49.4426% | 5,063 |
| Net loans and leases to deposits | 57.4851% | 5,144 |
| Net loans and leases to core deposits | 59.3981% | 5,234 |
| Total domestic deposits to total assets | 86.0094% | 2,841 |
| Equity capital to assets | 12.6704% | 1,598 |
| Core capital (leverage) ratio | 12.1291% | 1,614 |
| Tier 1 risk-based capital ratio | 23.7719% | 1,016 |
| Total risk-based capital ratio | 25.0304% | 997 |
| Memoranda: | ||
| Average total assets | $108,443,500 | 4,453 |
| Average earning assets | $98,873,000 | 4,464 |
| Average equity | $13,400,500 | 4,151 |
| Average total loans | $53,602,750 | 4,747 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 3,882 |
| Cost of funding earning assets | 0.2731% | 5,254 |
| Net interest margin | 3.6901% | 2,999 |
| Noninterest income to average assets | 0.4078% | 4,190 |
| Noninterest expense to average assets | 2.7495% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0241% | 2,227 |
| Return on assets (ROA) | 1.0777% | 2,090 |
| Pretax return on assets | 1.0777% | 3,189 |
| Return on Equity (ROE) | 8.7954% | 2,698 |
| Retained earnings to average equity (ytd only) | -0.5723% | 5,789 |
| Net charge-offs to loans | -0.0038% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8606% | 3,181 |
| Assets per employee ($millions) | 5.1880% | 1,985 |
| Cash dividends to net income (ytd only)* | 106.5068% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 1,437 |
| Loan loss allowance to noncurrent loans | 94.6538% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.1501% | 2,775 |
| Noncurrent loans to loans | 2.0683% | 1,620 |
| Net loans and leases to total assets | 49.6448% | 4,999 |
| Net loans and leases to deposits | 58.2966% | 5,014 |
| Net loans and leases to core deposits | 60.2486% | 5,117 |
| Total domestic deposits to total assets | 85.1590% | 3,431 |
| Equity capital to assets | 12.3949% | 1,709 |
| Core capital (leverage) ratio | 11.7047% | 1,846 |
| Tier 1 risk-based capital ratio | 23.3991% | 1,061 |
| Total risk-based capital ratio | 24.6576% | 1,046 |
| Memoranda: | ||
| Average total assets | $108,383,670 | 4,483 |
| Average earning assets | $98,860,330 | 4,498 |
| Average equity | $13,279,670 | 4,171 |
| Average total loans | $53,219,000 | 4,778 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 4,257 |
| Cost of funding earning assets | 0.2680% | 5,406 |
| Net interest margin | 3.5902% | 3,292 |
| Noninterest income to average assets | 0.3663% | 4,455 |
| Noninterest expense to average assets | 2.8011% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8363% | 2,972 |
| Return on assets (ROA) | 0.8363% | 3,044 |
| Pretax return on assets | 0.8363% | 3,953 |
| Return on Equity (ROE) | 6.8654% | 3,550 |
| Retained earnings to average equity (ytd only) | -8.1716% | 6,294 |
| Net charge-offs to loans | 0.0153% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 414 |
| Efficiency ratio | 77.0092% | 2,647 |
| Assets per employee ($millions) | 5.2307% | 1,980 |
| Cash dividends to net income (ytd only)* | 219.0265% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0577% | 1,397 |
| Loan loss allowance to noncurrent loans | 119.1372% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 3,417 |
| Noncurrent loans to loans | 1.7272% | 2,242 |
| Net loans and leases to total assets | 46.6676% | 5,259 |
| Net loans and leases to deposits | 54.4431% | 5,243 |
| Net loans and leases to core deposits | 55.8866% | 5,362 |
| Total domestic deposits to total assets | 85.7181% | 3,505 |
| Equity capital to assets | 11.9159% | 1,929 |
| Core capital (leverage) ratio | 11.7950% | 1,766 |
| Tier 1 risk-based capital ratio | 23.9846% | 1,003 |
| Total risk-based capital ratio | 25.2447% | 983 |
| Memoranda: | ||
| Average total assets | $108,101,500 | 4,527 |
| Average earning assets | $98,489,500 | 4,550 |
| Average equity | $13,167,500 | 4,206 |
| Average total loans | $52,245,000 | 4,853 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 4,474 |
| Cost of funding earning assets | 0.3250% | 5,379 |
| Net interest margin | 3.5728% | 3,592 |
| Noninterest income to average assets | 0.3941% | 4,490 |
| Noninterest expense to average assets | 2.6081% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0507% | 2,118 |
| Return on assets (ROA) | 1.0543% | 2,175 |
| Pretax return on assets | 1.0543% | 3,138 |
| Return on Equity (ROE) | 8.5086% | 2,777 |
| Retained earnings to average equity (ytd only) | 3.6350% | 3,637 |
| Net charge-offs to loans | 0.1250% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 17.8000% | 1,696 |
| Efficiency ratio | 71.2832% | 3,616 |
| Assets per employee ($millions) | 4.8345% | 2,398 |
| Cash dividends to net income (ytd only)* | 57.2782% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0690% | 1,397 |
| Loan loss allowance to noncurrent loans | 135.7233% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 3,754 |
| Noncurrent loans to loans | 1.5244% | 2,607 |
| Net loans and leases to total assets | 48.0190% | 5,291 |
| Net loans and leases to deposits | 56.3634% | 5,267 |
| Net loans and leases to core deposits | 58.1130% | 5,385 |
| Total domestic deposits to total assets | 85.1953% | 3,646 |
| Equity capital to assets | 12.4542% | 1,536 |
| Core capital (leverage) ratio | 12.0398% | 1,578 |
| Tier 1 risk-based capital ratio | 24.5568% | 899 |
| Total risk-based capital ratio | 25.8162% | 885 |
| Memoranda: | ||
| Average total assets | $110,119,600 | 4,497 |
| Average earning assets | $100,620,600 | 4,493 |
| Average equity | $13,645,000 | 4,134 |
| Average total loans | $52,010,600 | 4,891 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 4,491 |
| Cost of funding earning assets | 0.3344% | 5,437 |
| Net interest margin | 3.5690% | 3,586 |
| Noninterest income to average assets | 0.3878% | 4,621 |
| Noninterest expense to average assets | 2.4947% | 4,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1477% | 1,824 |
| Return on assets (ROA) | 1.1525% | 1,876 |
| Pretax return on assets | 1.1525% | 2,883 |
| Return on Equity (ROE) | 9.3124% | 2,482 |
| Retained earnings to average equity (ytd only) | 6.9358% | 1,912 |
| Net charge-offs to loans | -0.0693% | 6,402 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4904% | 3,998 |
| Assets per employee ($millions) | 5.1358% | 2,009 |
| Cash dividends to net income (ytd only)* | 25.5209% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3248% | 1,147 |
| Loan loss allowance to noncurrent loans | 117.1000% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 3,584 |
| Noncurrent loans to loans | 1.9853% | 2,263 |
| Net loans and leases to total assets | 45.6176% | 5,584 |
| Net loans and leases to deposits | 53.7794% | 5,557 |
| Net loans and leases to core deposits | 55.6499% | 5,655 |
| Total domestic deposits to total assets | 84.8235% | 3,833 |
| Equity capital to assets | 12.6684% | 1,493 |
| Core capital (leverage) ratio | 12.1230% | 1,605 |
| Tier 1 risk-based capital ratio | 24.3634% | 946 |
| Total risk-based capital ratio | 25.6254% | 925 |
| Memoranda: | ||
| Average total assets | $111,060,000 | 4,517 |
| Average earning assets | $101,277,000 | 4,521 |
| Average equity | $13,744,750 | 4,164 |
| Average total loans | $51,975,500 | 4,931 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 4,408 |
| Cost of funding earning assets | 0.3364% | 5,510 |
| Net interest margin | 3.5830% | 3,439 |
| Noninterest income to average assets | 0.3139% | 5,189 |
| Noninterest expense to average assets | 2.3616% | 5,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2200% | 1,540 |
| Return on assets (ROA) | 1.2272% | 1,625 |
| Pretax return on assets | 1.2272% | 2,569 |
| Return on Equity (ROE) | 9.9913% | 2,201 |
| Retained earnings to average equity (ytd only) | 7.2321% | 1,779 |
| Net charge-offs to loans | -0.0724% | 6,393 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9363% | 4,556 |
| Assets per employee ($millions) | 5.2805% | 1,814 |
| Cash dividends to net income (ytd only)* | 27.6163% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2117% | 1,399 |
| Loan loss allowance to noncurrent loans | 103.0115% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 3,499 |
| Noncurrent loans to loans | 2.1470% | 2,233 |
| Net loans and leases to total assets | 46.3717% | 5,495 |
| Net loans and leases to deposits | 54.4246% | 5,484 |
| Net loans and leases to core deposits | 56.4296% | 5,567 |
| Total domestic deposits to total assets | 85.2035% | 3,796 |
| Equity capital to assets | 12.2643% | 1,731 |
| Core capital (leverage) ratio | 11.5280% | 1,913 |
| Tier 1 risk-based capital ratio | 22.8989% | 1,151 |
| Total risk-based capital ratio | 24.1587% | 1,136 |
| Memoranda: | ||
| Average total assets | $112,129,670 | 4,536 |
| Average earning assets | $102,262,000 | 4,513 |
| Average equity | $13,772,000 | 4,195 |
| Average total loans | $52,510,670 | 4,931 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 5,321 |
| Cost of funding earning assets | 0.3286% | 5,729 |
| Net interest margin | 3.3169% | 4,458 |
| Noninterest income to average assets | 0.3477% | 4,899 |
| Noninterest expense to average assets | 2.3344% | 5,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0217% | 2,137 |
| Return on assets (ROA) | 1.0217% | 2,251 |
| Pretax return on assets | 1.0217% | 3,256 |
| Return on Equity (ROE) | 8.3129% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.3129% | 1,636 |
| Net charge-offs to loans | -0.1067% | 6,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5560% | 4,046 |
| Assets per employee ($millions) | 5.3663% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2101% | 1,563 |
| Loan loss allowance to noncurrent loans | 93.6136% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1589% | 3,629 |
| Noncurrent loans to loans | 2.3609% | 2,210 |
| Net loans and leases to total assets | 45.4664% | 5,491 |
| Net loans and leases to deposits | 53.4370% | 5,481 |
| Net loans and leases to core deposits | 55.0764% | 5,595 |
| Total domestic deposits to total assets | 85.0841% | 3,999 |
| Equity capital to assets | 12.4179% | 1,762 |
| Core capital (leverage) ratio | 11.2423% | 2,061 |
| Tier 1 risk-based capital ratio | 21.6448% | 1,394 |
| Total risk-based capital ratio | 22.9036% | 1,367 |
| Memoranda: | ||
| Average total assets | $112,749,000 | 4,561 |
| Average earning assets | $102,264,500 | 4,561 |
| Average equity | $13,858,000 | 4,224 |
| Average total loans | $52,473,500 | 4,969 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1783% | 4,669 |
| Cost of funding earning assets | 0.3977% | 5,937 |
| Net interest margin | 3.7805% | 3,316 |
| Noninterest income to average assets | 1.2713% | 958 |
| Noninterest expense to average assets | 2.6978% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.0208% | 344 |
| Return on assets (ROA) | 2.0208% | 375 |
| Pretax return on assets | 2.0208% | 574 |
| Return on Equity (ROE) | 16.6613% | 575 |
| Retained earnings to average equity (ytd only) | 10.1900% | 560 |
| Net charge-offs to loans | 0.1393% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 28.5921% | 1,039 |
| Efficiency ratio | 57.1738% | 5,939 |
| Assets per employee ($millions) | 5.3717% | 1,820 |
| Cash dividends to net income (ytd only)* | 38.8403% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 1,591 |
| Loan loss allowance to noncurrent loans | 136.5155% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 4,461 |
| Noncurrent loans to loans | 1.5946% | 3,234 |
| Net loans and leases to total assets | 45.5720% | 5,662 |
| Net loans and leases to deposits | 53.3721% | 5,709 |
| Net loans and leases to core deposits | 55.0001% | 5,791 |
| Total domestic deposits to total assets | 85.3855% | 3,668 |
| Equity capital to assets | 12.1642% | 1,933 |
| Core capital (leverage) ratio | 11.1788% | 2,100 |
| Tier 1 risk-based capital ratio | 21.1584% | 1,425 |
| Total risk-based capital ratio | 22.4167% | 1,396 |
| Memoranda: | ||
| Average total assets | $107,530,400 | 4,648 |
| Average earning assets | $98,055,000 | 4,633 |
| Average equity | $13,042,200 | 4,350 |
| Average total loans | $54,568,600 | 4,916 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 4,537 |
| Cost of funding earning assets | 0.4135% | 6,040 |
| Net interest margin | 3.8649% | 3,053 |
| Noninterest income to average assets | 0.4795% | 4,067 |
| Noninterest expense to average assets | 2.6864% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3369% | 1,359 |
| Return on assets (ROA) | 1.3369% | 1,498 |
| Pretax return on assets | 1.3369% | 2,470 |
| Return on Equity (ROE) | 11.0312% | 1,948 |
| Retained earnings to average equity (ytd only) | 7.5199% | 1,846 |
| Net charge-offs to loans | 0.1356% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 19.0190% | 1,522 |
| Efficiency ratio | 66.7707% | 4,293 |
| Assets per employee ($millions) | 4.9840% | 2,211 |
| Cash dividends to net income (ytd only)* | 31.8312% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1645% | 1,774 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 4,263 |
| Noncurrent loans to loans | 1.8037% | 3,073 |
| Net loans and leases to total assets | 47.9849% | 5,547 |
| Net loans and leases to deposits | 56.1378% | 5,622 |
| Net loans and leases to core deposits | 57.8366% | 5,743 |
| Total domestic deposits to total assets | 85.4770% | 3,522 |
| Equity capital to assets | 12.0204% | 2,239 |
| Core capital (leverage) ratio | 10.9626% | 2,431 |
| Tier 1 risk-based capital ratio | 20.3702% | 1,667 |
| Total risk-based capital ratio | 21.6291% | 1,636 |
| Memoranda: | ||
| Average total assets | $106,211,500 | 4,725 |
| Average earning assets | $97,387,750 | 4,706 |
| Average equity | $12,872,250 | 4,421 |
| Average total loans | $55,072,750 | 4,946 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 4,332 |
| Cost of funding earning assets | 0.4338% | 6,075 |
| Net interest margin | 3.9295% | 2,798 |
| Noninterest income to average assets | 0.4530% | 4,269 |
| Noninterest expense to average assets | 2.7164% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3401% | 1,330 |
| Return on assets (ROA) | 1.3401% | 1,488 |
| Pretax return on assets | 1.3401% | 2,425 |
| Return on Equity (ROE) | 11.0261% | 1,983 |
| Retained earnings to average equity (ytd only) | 11.0261% | 741 |
| Net charge-offs to loans | 0.2234% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.3548% | 1,969 |
| Efficiency ratio | 66.9639% | 4,323 |
| Assets per employee ($millions) | 5.1190% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0402% | 2,128 |
| Loan loss allowance to noncurrent loans | 124.3824% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 4,374 |
| Noncurrent loans to loans | 1.6403% | 3,451 |
| Net loans and leases to total assets | 51.7219% | 5,134 |
| Net loans and leases to deposits | 60.8160% | 5,160 |
| Net loans and leases to core deposits | 62.7140% | 5,330 |
| Total domestic deposits to total assets | 85.0465% | 3,833 |
| Equity capital to assets | 12.2019% | 2,003 |
| Core capital (leverage) ratio | 10.8614% | 2,428 |
| Tier 1 risk-based capital ratio | 19.7116% | 1,783 |
| Total risk-based capital ratio | 20.9702% | 1,745 |
| Memoranda: | ||
| Average total assets | $105,066,330 | 4,771 |
| Average earning assets | $96,347,330 | 4,752 |
| Average equity | $12,769,670 | 4,438 |
| Average total loans | $55,504,330 | 4,967 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4476% | 4,126 |
| Cost of funding earning assets | 0.4456% | 6,175 |
| Net interest margin | 4.0020% | 2,497 |
| Noninterest income to average assets | 0.4584% | 4,236 |
| Noninterest expense to average assets | 2.6538% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4714% | 1,079 |
| Return on assets (ROA) | 1.4714% | 1,206 |
| Pretax return on assets | 1.4714% | 1,959 |
| Return on Equity (ROE) | 12.1308% | 1,646 |
| Retained earnings to average equity (ytd only) | 12.1308% | 810 |
| Net charge-offs to loans | 0.0073% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 382.0000% | 75 |
| Efficiency ratio | 64.3324% | 4,865 |
| Assets per employee ($millions) | 4.7737% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2751% | 1,723 |
| Loan loss allowance to noncurrent loans | 145.9880% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8741% | 4,775 |
| Noncurrent loans to loans | 1.5584% | 3,773 |
| Net loans and leases to total assets | 49.8586% | 5,325 |
| Net loans and leases to deposits | 58.6367% | 5,307 |
| Net loans and leases to core deposits | 60.9761% | 5,437 |
| Total domestic deposits to total assets | 85.0297% | 4,020 |
| Equity capital to assets | 12.1519% | 1,943 |
| Core capital (leverage) ratio | 10.9356% | 2,309 |
| Tier 1 risk-based capital ratio | 20.3670% | 1,627 |
| Total risk-based capital ratio | 21.6296% | 1,592 |
| Memoranda: | ||
| Average total assets | $103,849,500 | 4,837 |
| Average earning assets | $95,153,000 | 4,813 |
| Average equity | $12,596,000 | 4,486 |
| Average total loans | $54,877,000 | 5,029 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 3,444 |
| Cost of funding earning assets | 0.6935% | 5,584 |
| Net interest margin | 4.1887% | 2,101 |
| Noninterest income to average assets | 0.6625% | 2,823 |
| Noninterest expense to average assets | 3.2118% | 2,824 |
| Loan and lease loss provision to assets | 0.2265% | 3,939 |
| Net operating income to assets | 1.0431% | 2,031 |
| Return on assets (ROA) | 1.0713% | 2,057 |
| Pretax return on assets | 1.0713% | 2,949 |
| Return on Equity (ROE) | 8.6162% | 2,626 |
| Retained earnings to average equity (ytd only) | 2.1379% | 4,693 |
| Net charge-offs to loans | 0.3851% | 3,485 |
| Credit loss provision to net charge-offs | 111.3861% | 2,988 |
| Earnings coverage of net charge-offs (x) | 6.2426% | 2,557 |
| Efficiency ratio | 71.6693% | 3,642 |
| Assets per employee ($millions) | 4.6672% | 2,654 |
| Cash dividends to net income (ytd only)* | 75.1880% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1719% | 1,855 |
| Loan loss allowance to noncurrent loans | 144.7212% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8658% | 4,895 |
| Noncurrent loans to loans | 1.5007% | 3,898 |
| Net loans and leases to total assets | 53.5197% | 5,107 |
| Net loans and leases to deposits | 63.0072% | 5,120 |
| Net loans and leases to core deposits | 65.8348% | 5,265 |
| Total domestic deposits to total assets | 84.9422% | 3,883 |
| Equity capital to assets | 12.1058% | 2,041 |
| Core capital (leverage) ratio | 10.6180% | 2,600 |
| Tier 1 risk-based capital ratio | 19.3201% | 1,809 |
| Total risk-based capital ratio | 20.5807% | 1,775 |
| Memoranda: | ||
| Average total assets | $99,322,000 | 4,902 |
| Average earning assets | $90,553,400 | 4,915 |
| Average equity | $12,348,800 | 4,467 |
| Average total loans | $52,455,200 | 5,171 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 3,629 |
| Cost of funding earning assets | 0.7544% | 5,440 |
| Net interest margin | 4.1293% | 2,358 |
| Noninterest income to average assets | 0.7026% | 2,593 |
| Noninterest expense to average assets | 3.0624% | 3,310 |
| Loan and lease loss provision to assets | 0.3046% | 3,094 |
| Net operating income to assets | 1.0925% | 1,998 |
| Return on assets (ROA) | 1.1102% | 2,071 |
| Pretax return on assets | 1.1102% | 2,966 |
| Return on Equity (ROE) | 8.8682% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.8682% | 1,193 |
| Net charge-offs to loans | 0.4994% | 2,760 |
| Credit loss provision to net charge-offs | 116.5803% | 2,801 |
| Earnings coverage of net charge-offs (x) | 5.3471% | 2,814 |
| Efficiency ratio | 68.6703% | 4,181 |
| Assets per employee ($millions) | 4.4788% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4021% | 1,536 |
| Loan loss allowance to noncurrent loans | 132.2928% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9591% | 4,821 |
| Noncurrent loans to loans | 1.8157% | 3,620 |
| Net loans and leases to total assets | 50.6785% | 5,618 |
| Net loans and leases to deposits | 60.4943% | 5,581 |
| Net loans and leases to core deposits | 63.4232% | 5,685 |
| Total domestic deposits to total assets | 83.7740% | 4,334 |
| Equity capital to assets | 13.2534% | 1,489 |
| Core capital (leverage) ratio | 11.6399% | 1,929 |
| Tier 1 risk-based capital ratio | 20.5778% | 1,539 |
| Total risk-based capital ratio | 21.8398% | 1,512 |
| Memoranda: | ||
| Average total assets | $98,483,000 | 4,968 |
| Average earning assets | $89,602,250 | 4,964 |
| Average equity | $12,328,500 | 4,485 |
| Average total loans | $51,525,750 | 5,251 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 4,057 |
| Cost of funding earning assets | 0.7940% | 5,412 |
| Net interest margin | 4.0168% | 2,763 |
| Noninterest income to average assets | 0.7312% | 2,370 |
| Noninterest expense to average assets | 3.0792% | 3,334 |
| Loan and lease loss provision to assets | 0.3656% | 2,603 |
| Net operating income to assets | 0.9445% | 2,458 |
| Return on assets (ROA) | 0.9689% | 2,459 |
| Pretax return on assets | 0.9689% | 3,362 |
| Return on Equity (ROE) | 7.8941% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.8941% | 1,492 |
| Net charge-offs to loans | 0.6854% | 2,127 |
| Credit loss provision to net charge-offs | 101.6949% | 3,047 |
| Earnings coverage of net charge-offs (x) | 3.6441% | 3,097 |
| Efficiency ratio | 70.1527% | 4,087 |
| Assets per employee ($millions) | 4.1528% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3100% | 1,724 |
| Loan loss allowance to noncurrent loans | 134.5291% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 5,050 |
| Noncurrent loans to loans | 1.7171% | 3,861 |
| Net loans and leases to total assets | 50.9170% | 5,704 |
| Net loans and leases to deposits | 60.4784% | 5,677 |
| Net loans and leases to core deposits | 63.4985% | 5,778 |
| Total domestic deposits to total assets | 84.1905% | 4,266 |
| Equity capital to assets | 12.6360% | 1,716 |
| Core capital (leverage) ratio | 11.1990% | 2,115 |
| Tier 1 risk-based capital ratio | 19.9295% | 1,621 |
| Total risk-based capital ratio | 21.1911% | 1,597 |
| Memoranda: | ||
| Average total assets | $98,466,330 | 5,006 |
| Average earning assets | $89,673,670 | 5,002 |
| Average equity | $12,085,000 | 4,538 |
| Average total loans | $51,646,330 | 5,297 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 3,791 |
| Cost of funding earning assets | 0.8354% | 5,362 |
| Net interest margin | 4.0200% | 2,607 |
| Noninterest income to average assets | 0.3515% | 5,088 |
| Noninterest expense to average assets | 3.0327% | 3,513 |
| Loan and lease loss provision to assets | 0.3679% | 2,360 |
| Net operating income to assets | 0.6090% | 3,990 |
| Return on assets (ROA) | 0.6090% | 4,057 |
| Pretax return on assets | 0.6090% | 4,651 |
| Return on Equity (ROE) | 5.0378% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.0378% | 3,170 |
| Net charge-offs to loans | 0.1942% | 3,339 |
| Credit loss provision to net charge-offs | 360.0000% | 909 |
| Earnings coverage of net charge-offs (x) | 9.5600% | 1,709 |
| Efficiency ratio | 75.6371% | 3,217 |
| Assets per employee ($millions) | 3.7294% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4518% | 1,528 |
| Loan loss allowance to noncurrent loans | 91.9825% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4314% | 4,127 |
| Noncurrent loans to loans | 2.6655% | 2,825 |
| Net loans and leases to total assets | 51.7816% | 5,610 |
| Net loans and leases to deposits | 61.3424% | 5,586 |
| Net loans and leases to core deposits | 64.1088% | 5,714 |
| Total domestic deposits to total assets | 84.4140% | 4,319 |
| Equity capital to assets | 12.3086% | 1,733 |
| Core capital (leverage) ratio | 10.9679% | 2,220 |
| Tier 1 risk-based capital ratio | 18.8992% | 1,824 |
| Total risk-based capital ratio | 20.1623% | 1,785 |
| Memoranda: | ||
| Average total assets | $97,865,500 | 5,061 |
| Average earning assets | $89,054,500 | 5,054 |
| Average equity | $11,830,500 | 4,591 |
| Average total loans | $51,495,500 | 5,344 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 2,581 |
| Cost of funding earning assets | 1.1694% | 4,735 |
| Net interest margin | 4.2504% | 1,993 |
| Noninterest income to average assets | 0.5987% | 3,488 |
| Noninterest expense to average assets | 2.9987% | 3,856 |
| Loan and lease loss provision to assets | 0.3666% | 3,919 |
| Net operating income to assets | 1.0824% | 1,753 |
| Return on assets (ROA) | 1.0824% | 1,845 |
| Pretax return on assets | 1.0824% | 2,649 |
| Return on Equity (ROE) | 8.8635% | 2,359 |
| Retained earnings to average equity (ytd only) | 0.8755% | 5,110 |
| Net charge-offs to loans | 0.7528% | 2,762 |
| Credit loss provision to net charge-offs | 83.3333% | 5,414 |
| Earnings coverage of net charge-offs (x) | 3.2940% | 3,430 |
| Efficiency ratio | 67.4222% | 4,683 |
| Assets per employee ($millions) | 3.7987% | 4,260 |
| Cash dividends to net income (ytd only)* | 90.1223% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 1,662 |
| Loan loss allowance to noncurrent loans | 106.9705% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 4,622 |
| Noncurrent loans to loans | 2.1720% | 3,343 |
| Net loans and leases to total assets | 50.9507% | 6,050 |
| Net loans and leases to deposits | 60.1089% | 6,045 |
| Net loans and leases to core deposits | 61.7304% | 6,254 |
| Total domestic deposits to total assets | 84.7640% | 3,963 |
| Equity capital to assets | 11.8725% | 1,988 |
| Core capital (leverage) ratio | 10.4542% | 2,600 |
| Tier 1 risk-based capital ratio | 18.1489% | 1,953 |
| Total risk-based capital ratio | 19.4084% | 1,916 |
| Memoranda: | ||
| Average total assets | $98,210,000 | 5,044 |
| Average earning assets | $88,933,800 | 5,055 |
| Average equity | $11,993,000 | 4,608 |
| Average total loans | $57,383,600 | 5,184 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 2,185 |
| Cost of funding earning assets | 1.2287% | 4,693 |
| Net interest margin | 4.3387% | 1,717 |
| Noninterest income to average assets | 0.5207% | 4,026 |
| Noninterest expense to average assets | 2.9869% | 3,798 |
| Loan and lease loss provision to assets | 0.3671% | 3,702 |
| Net operating income to assets | 1.0890% | 1,924 |
| Return on assets (ROA) | 1.0890% | 2,039 |
| Pretax return on assets | 1.0890% | 2,860 |
| Return on Equity (ROE) | 8.8557% | 2,538 |
| Retained earnings to average equity (ytd only) | 2.1338% | 4,899 |
| Net charge-offs to loans | 0.8904% | 2,218 |
| Credit loss provision to net charge-offs | 68.7023% | 5,453 |
| Earnings coverage of net charge-offs (x) | 2.7252% | 3,785 |
| Efficiency ratio | 67.2277% | 4,617 |
| Assets per employee ($millions) | 4.1432% | 3,560 |
| Cash dividends to net income (ytd only)* | 75.9057% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0747% | 2,060 |
| Loan loss allowance to noncurrent loans | 88.8372% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 4,521 |
| Noncurrent loans to loans | 2.3354% | 3,303 |
| Net loans and leases to total assets | 54.3978% | 5,787 |
| Net loans and leases to deposits | 64.6434% | 5,831 |
| Net loans and leases to core deposits | 66.5981% | 6,074 |
| Total domestic deposits to total assets | 84.1506% | 4,030 |
| Equity capital to assets | 12.3225% | 1,956 |
| Core capital (leverage) ratio | 10.6813% | 2,525 |
| Tier 1 risk-based capital ratio | 17.2668% | 2,253 |
| Total risk-based capital ratio | 18.5239% | 2,212 |
| Memoranda: | ||
| Average total assets | $98,071,000 | 5,108 |
| Average earning assets | $88,656,750 | 5,125 |
| Average equity | $12,059,750 | 4,659 |
| Average total loans | $58,849,750 | 5,192 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 2,099 |
| Cost of funding earning assets | 1.2661% | 4,736 |
| Net interest margin | 4.3450% | 1,614 |
| Noninterest income to average assets | 0.5307% | 3,872 |
| Noninterest expense to average assets | 2.9729% | 3,817 |
| Loan and lease loss provision to assets | 0.3688% | 3,497 |
| Net operating income to assets | 1.1125% | 1,810 |
| Return on assets (ROA) | 1.1125% | 1,881 |
| Pretax return on assets | 1.1125% | 2,746 |
| Return on Equity (ROE) | 9.0535% | 2,443 |
| Retained earnings to average equity (ytd only) | -1.0838% | 5,984 |
| Net charge-offs to loans | 0.7060% | 2,452 |
| Credit loss provision to net charge-offs | 84.9057% | 4,568 |
| Earnings coverage of net charge-offs (x) | 3.4104% | 3,337 |
| Efficiency ratio | 66.7433% | 4,832 |
| Assets per employee ($millions) | 4.1466% | 3,495 |
| Cash dividends to net income (ytd only)* | 111.9705% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0985% | 1,964 |
| Loan loss allowance to noncurrent loans | 55.4957% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.2559% | 3,189 |
| Noncurrent loans to loans | 3.7813% | 2,043 |
| Net loans and leases to total assets | 57.9899% | 5,418 |
| Net loans and leases to deposits | 69.6639% | 5,331 |
| Net loans and leases to core deposits | 71.7718% | 5,697 |
| Total domestic deposits to total assets | 83.2424% | 4,471 |
| Equity capital to assets | 12.0550% | 2,069 |
| Core capital (leverage) ratio | 10.6164% | 2,529 |
| Tier 1 risk-based capital ratio | 15.7563% | 2,774 |
| Total risk-based capital ratio | 17.0140% | 2,740 |
| Memoranda: | ||
| Average total assets | $97,616,000 | 5,149 |
| Average earning assets | $88,147,330 | 5,167 |
| Average equity | $11,995,330 | 4,679 |
| Average total loans | $60,054,000 | 5,175 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6731% | 1,876 |
| Cost of funding earning assets | 1.3155% | 4,723 |
| Net interest margin | 4.3576% | 1,514 |
| Noninterest income to average assets | 0.5752% | 3,457 |
| Noninterest expense to average assets | 3.0580% | 3,446 |
| Loan and lease loss provision to assets | 0.3724% | 3,135 |
| Net operating income to assets | 1.0924% | 1,853 |
| Return on assets (ROA) | 1.0924% | 1,936 |
| Pretax return on assets | 1.0924% | 2,760 |
| Return on Equity (ROE) | 8.8040% | 2,565 |
| Retained earnings to average equity (ytd only) | 3.9018% | 3,799 |
| Net charge-offs to loans | 0.8580% | 1,827 |
| Credit loss provision to net charge-offs | 69.2308% | 4,117 |
| Earnings coverage of net charge-offs (x) | 2.7231% | 3,183 |
| Efficiency ratio | 67.6121% | 4,800 |
| Assets per employee ($millions) | 4.0270% | 3,811 |
| Cash dividends to net income (ytd only)* | 55.6818% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0703% | 2,016 |
| Loan loss allowance to noncurrent loans | 46.8547% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.7326% | 2,661 |
| Noncurrent loans to loans | 4.4186% | 1,703 |
| Net loans and leases to total assets | 60.1502% | 5,097 |
| Net loans and leases to deposits | 72.7840% | 4,949 |
| Net loans and leases to core deposits | 74.8108% | 5,409 |
| Total domestic deposits to total assets | 82.6422% | 4,780 |
| Equity capital to assets | 12.4959% | 1,763 |
| Core capital (leverage) ratio | 10.8793% | 2,311 |
| Tier 1 risk-based capital ratio | 16.1378% | 2,591 |
| Total risk-based capital ratio | 17.3966% | 2,547 |
| Memoranda: | ||
| Average total assets | $96,664,500 | 5,239 |
| Average earning assets | $87,570,500 | 5,253 |
| Average equity | $11,994,500 | 4,719 |
| Average total loans | $60,607,000 | 5,220 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4723% | 714 |
| Cost of funding earning assets | 1.6270% | 4,904 |
| Net interest margin | 4.8453% | 631 |
| Noninterest income to average assets | 0.6515% | 3,280 |
| Noninterest expense to average assets | 3.3364% | 2,883 |
| Loan and lease loss provision to assets | 0.3527% | 4,686 |
| Net operating income to assets | 1.3310% | 973 |
| Return on assets (ROA) | 1.3383% | 1,007 |
| Pretax return on assets | 1.3383% | 1,589 |
| Return on Equity (ROE) | 11.3743% | 1,331 |
| Retained earnings to average equity (ytd only) | 8.4028% | 608 |
| Net charge-offs to loans | 0.2940% | 4,795 |
| Credit loss provision to net charge-offs | 181.8182% | 2,269 |
| Earnings coverage of net charge-offs (x) | 8.6791% | 1,911 |
| Efficiency ratio | 66.4600% | 5,294 |
| Assets per employee ($millions) | 4.0284% | 3,761 |
| Cash dividends to net income (ytd only)* | 26.1240% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0517% | 1,909 |
| Loan loss allowance to noncurrent loans | 237.1963% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 6,034 |
| Noncurrent loans to loans | 0.8650% | 5,567 |
| Net loans and leases to total assets | 62.6617% | 4,872 |
| Net loans and leases to deposits | 75.7038% | 4,796 |
| Net loans and leases to core deposits | 89.0440% | 5,219 |
| Total domestic deposits to total assets | 82.7722% | 4,629 |
| Equity capital to assets | 12.3209% | 1,840 |
| Core capital (leverage) ratio | 10.7520% | 2,384 |
| Tier 1 risk-based capital ratio | 15.4546% | 2,738 |
| Total risk-based capital ratio | 16.7124% | 2,688 |
| Memoranda: | ||
| Average total assets | $96,391,600 | 5,186 |
| Average earning assets | $86,908,400 | 5,233 |
| Average equity | $11,341,400 | 4,921 |
| Average total loans | $63,596,600 | 5,115 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5907% | 627 |
| Cost of funding earning assets | 1.7038% | 4,877 |
| Net interest margin | 4.8870% | 567 |
| Noninterest income to average assets | 0.6395% | 3,425 |
| Noninterest expense to average assets | 3.3651% | 2,674 |
| Loan and lease loss provision to assets | 0.2561% | 4,902 |
| Net operating income to assets | 1.4216% | 978 |
| Return on assets (ROA) | 1.4216% | 1,045 |
| Pretax return on assets | 1.4216% | 1,641 |
| Return on Equity (ROE) | 12.2273% | 1,302 |
| Retained earnings to average equity (ytd only) | 9.6199% | 702 |
| Net charge-offs to loans | -0.0271% | 7,792 |
| Credit loss provision to net charge-offs | -1,423.0769% | 7,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7307% | 5,239 |
| Assets per employee ($millions) | 4.1720% | 3,424 |
| Cash dividends to net income (ytd only)* | 21.3240% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0622% | 1,665 |
| Loan loss allowance to noncurrent loans | 517.3228% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 5,614 |
| Noncurrent loans to loans | 0.3986% | 6,544 |
| Net loans and leases to total assets | 65.0350% | 4,643 |
| Net loans and leases to deposits | 78.7385% | 4,611 |
| Net loans and leases to core deposits | 92.6440% | 5,173 |
| Total domestic deposits to total assets | 82.5962% | 4,401 |
| Equity capital to assets | 12.3515% | 2,031 |
| Core capital (leverage) ratio | 10.4895% | 2,803 |
| Tier 1 risk-based capital ratio | 14.7775% | 3,147 |
| Total risk-based capital ratio | 16.0355% | 3,086 |
| Memoranda: | ||
| Average total assets | $96,319,250 | 5,233 |
| Average earning assets | $86,786,250 | 5,276 |
| Average equity | $11,198,750 | 5,017 |
| Average total loans | $64,033,000 | 5,136 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6433% | 609 |
| Cost of funding earning assets | 1.7774% | 4,874 |
| Net interest margin | 4.8660% | 581 |
| Noninterest income to average assets | 0.5827% | 3,815 |
| Noninterest expense to average assets | 3.3824% | 2,681 |
| Loan and lease loss provision to assets | 0.1244% | 5,867 |
| Net operating income to assets | 1.4703% | 896 |
| Return on assets (ROA) | 1.4703% | 958 |
| Pretax return on assets | 1.4703% | 1,529 |
| Return on Equity (ROE) | 12.9132% | 1,199 |
| Retained earnings to average equity (ytd only) | 8.9245% | 966 |
| Net charge-offs to loans | -0.0468% | 7,838 |
| Credit loss provision to net charge-offs | -400.0000% | 7,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9583% | 5,160 |
| Assets per employee ($millions) | 4.1132% | 3,460 |
| Cash dividends to net income (ytd only)* | 30.8886% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8073% | 2,023 |
| Loan loss allowance to noncurrent loans | 534.0807% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 5,645 |
| Noncurrent loans to loans | 0.3384% | 6,668 |
| Net loans and leases to total assets | 65.5480% | 4,659 |
| Net loans and leases to deposits | 79.5366% | 4,616 |
| Net loans and leases to core deposits | 94.0987% | 5,105 |
| Total domestic deposits to total assets | 82.4124% | 4,517 |
| Equity capital to assets | 11.6191% | 2,455 |
| Core capital (leverage) ratio | 10.3562% | 2,944 |
| Tier 1 risk-based capital ratio | 13.8842% | 3,588 |
| Total risk-based capital ratio | 15.1403% | 3,518 |
| Memoranda: | ||
| Average total assets | $96,440,330 | 5,268 |
| Average earning assets | $87,094,670 | 5,294 |
| Average equity | $10,981,000 | 5,090 |
| Average total loans | $64,137,670 | 5,171 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0258% | 320 |
| Cost of funding earning assets | 1.8646% | 4,811 |
| Net interest margin | 5.1613% | 298 |
| Noninterest income to average assets | 0.5708% | 3,753 |
| Noninterest expense to average assets | 3.4585% | 2,206 |
| Loan and lease loss provision to assets | 0.1259% | 5,345 |
| Net operating income to assets | 1.6453% | 727 |
| Return on assets (ROA) | 1.6453% | 797 |
| Pretax return on assets | 1.6453% | 1,302 |
| Return on Equity (ROE) | 14.6044% | 1,051 |
| Retained earnings to average equity (ytd only) | 13.1514% | 617 |
| Net charge-offs to loans | -0.0822% | 7,832 |
| Credit loss provision to net charge-offs | -230.7692% | 6,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1316% | 5,304 |
| Assets per employee ($millions) | 4.1378% | 3,386 |
| Cash dividends to net income (ytd only)* | 9.9490% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 1,812 |
| Loan loss allowance to noncurrent loans | 3,738.7097% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 7,518 |
| Noncurrent loans to loans | 0.0486% | 7,400 |
| Net loans and leases to total assets | 65.8513% | 4,618 |
| Net loans and leases to deposits | 79.8863% | 4,633 |
| Net loans and leases to core deposits | 96.4985% | 4,907 |
| Total domestic deposits to total assets | 82.4313% | 4,396 |
| Equity capital to assets | 11.4691% | 2,606 |
| Core capital (leverage) ratio | 9.8063% | 3,629 |
| Tier 1 risk-based capital ratio | 13.5768% | 3,815 |
| Total risk-based capital ratio | 14.8331% | 3,734 |
| Memoranda: | ||
| Average total assets | $95,302,000 | 5,322 |
| Average earning assets | $86,025,500 | 5,356 |
| Average equity | $10,736,500 | 5,174 |
| Average total loans | $63,257,500 | 5,235 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5923% | 2,522 |
| Cost of funding earning assets | 1.8920% | 6,746 |
| Net interest margin | 4.7003% | 973 |
| Noninterest income to average assets | 0.6202% | 3,714 |
| Noninterest expense to average assets | 2.7948% | 4,840 |
| Loan and lease loss provision to assets | 0.7551% | 1,978 |
| Net operating income to assets | 1.3257% | 1,412 |
| Return on assets (ROA) | 1.3257% | 1,364 |
| Pretax return on assets | 1.3257% | 2,220 |
| Return on Equity (ROE) | 12.8056% | 1,381 |
| Retained earnings to average equity (ytd only) | 0.1042% | 5,171 |
| Net charge-offs to loans | 1.2579% | 952 |
| Credit loss provision to net charge-offs | 90.3226% | 5,678 |
| Earnings coverage of net charge-offs (x) | 2.4890% | 4,827 |
| Efficiency ratio | 57.3230% | 6,814 |
| Assets per employee ($millions) | 4.1493% | 3,214 |
| Cash dividends to net income (ytd only)* | 99.1863% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7803% | 1,675 |
| Loan loss allowance to noncurrent loans | 6,564.7059% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 7,529 |
| Noncurrent loans to loans | 0.0271% | 7,405 |
| Net loans and leases to total assets | 64.5151% | 5,171 |
| Net loans and leases to deposits | 77.9190% | 5,354 |
| Net loans and leases to core deposits | 93.8438% | 5,460 |
| Total domestic deposits to total assets | 82.7977% | 3,857 |
| Equity capital to assets | 11.0630% | 2,985 |
| Core capital (leverage) ratio | 9.2729% | 4,338 |
| Tier 1 risk-based capital ratio | 12.8997% | 4,162 |
| Total risk-based capital ratio | 14.1547% | 4,085 |
| Memoranda: | ||
| Average total assets | $92,708,800 | 5,269 |
| Average earning assets | $83,931,000 | 5,304 |
| Average equity | $9,597,400 | 5,535 |
| Average total loans | $61,608,400 | 5,196 |