Home > The First National Bank of Litchfield > Performance and Condition Ratios
The First National Bank of Litchfield, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 3,157 |
| Cost of funding earning assets | 1.3551% | 2,344 |
| Net interest margin | 3.1093% | 3,079 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.2096% | 3,091 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0453% | 2,080 |
| Return on assets (ROA) | 1.0314% | 2,093 |
| Pretax return on assets | 1.0314% | 2,581 |
| Return on Equity (ROE) | 11.0300% | 2,219 |
| Retained earnings to average equity (ytd only) | 5.2552% | 2,506 |
| Net charge-offs to loans | 0.0473% | 1,399 |
| Credit loss provision to net charge-offs | 84.0909% | 1,994 |
| Earnings coverage of net charge-offs (x) | 33.3864% | 1,561 |
| Efficiency ratio | 67.3265% | 2,189 |
| Assets per employee ($millions) | 5.3124% | 3,382 |
| Cash dividends to net income (ytd only)* | 52.3708% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 1,510 |
| Loan loss allowance to noncurrent loans | 714.3617% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 2,574 |
| Noncurrent loans to loans | 0.1918% | 2,549 |
| Net loans and leases to total assets | 72.7800% | 1,491 |
| Net loans and leases to deposits | 84.2454% | 1,757 |
| Net loans and leases to core deposits | 85.4081% | 2,346 |
| Total domestic deposits to total assets | 86.4000% | 1,891 |
| Equity capital to assets | 10.2448% | 1,871 |
| Core capital (leverage) ratio | 12.0255% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4203% | 1,197 |
| Memoranda: | ||
| Average total assets | $136,993,800 | 3,486 |
| Average earning assets | $132,089,200 | 3,429 |
| Average equity | $12,806,400 | 3,453 |
| Average total loans | $93,027,200 | 3,252 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 3,194 |
| Cost of funding earning assets | 1.2284% | 2,341 |
| Net interest margin | 3.1231% | 3,099 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.1829% | 3,124 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0972% | 2,068 |
| Return on assets (ROA) | 1.0972% | 2,053 |
| Pretax return on assets | 1.0972% | 2,571 |
| Return on Equity (ROE) | 12.0100% | 2,122 |
| Retained earnings to average equity (ytd only) | 6.0919% | 2,597 |
| Net charge-offs to loans | 0.0465% | 1,222 |
| Credit loss provision to net charge-offs | 78.1250% | 1,764 |
| Earnings coverage of net charge-offs (x) | 36.2813% | 1,499 |
| Efficiency ratio | 66.0626% | 2,270 |
| Assets per employee ($millions) | 5.3026% | 3,347 |
| Cash dividends to net income (ytd only)* | 49.2958% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 1,259 |
| Loan loss allowance to noncurrent loans | 633.4906% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 2,515 |
| Noncurrent loans to loans | 0.2287% | 2,433 |
| Net loans and leases to total assets | 68.9200% | 1,953 |
| Net loans and leases to deposits | 77.4532% | 2,292 |
| Net loans and leases to core deposits | 78.6527% | 2,703 |
| Total domestic deposits to total assets | 88.9800% | 1,262 |
| Equity capital to assets | 9.1155% | 2,354 |
| Core capital (leverage) ratio | 11.5766% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0465% | 1,091 |
| Memoranda: | ||
| Average total assets | $138,040,000 | 3,485 |
| Average earning assets | $133,282,250 | 3,418 |
| Average equity | $12,606,500 | 3,462 |
| Average total loans | $91,782,250 | 3,266 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 3,298 |
| Cost of funding earning assets | 1.0526% | 2,448 |
| Net interest margin | 3.1444% | 3,122 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.1178% | 3,299 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1983% | 1,837 |
| Return on assets (ROA) | 1.1983% | 1,827 |
| Pretax return on assets | 1.1983% | 2,363 |
| Return on Equity (ROE) | 13.1100% | 1,876 |
| Retained earnings to average equity (ytd only) | 7.1671% | 2,232 |
| Net charge-offs to loans | 0.0656% | 897 |
| Credit loss provision to net charge-offs | 43.3333% | 1,698 |
| Earnings coverage of net charge-offs (x) | 28.3667% | 1,579 |
| Efficiency ratio | 63.5077% | 2,541 |
| Assets per employee ($millions) | 5.1493% | 3,458 |
| Cash dividends to net income (ytd only)* | 45.3461% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 1,081 |
| Loan loss allowance to noncurrent loans | 1,294.1748% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,004 |
| Noncurrent loans to loans | 0.1184% | 2,884 |
| Net loans and leases to total assets | 63.9900% | 2,387 |
| Net loans and leases to deposits | 72.3280% | 2,625 |
| Net loans and leases to core deposits | 73.2770% | 2,946 |
| Total domestic deposits to total assets | 88.4700% | 1,437 |
| Equity capital to assets | 9.6861% | 2,040 |
| Core capital (leverage) ratio | 11.4164% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8203% | 987 |
| Memoranda: | ||
| Average total assets | $139,865,000 | 3,479 |
| Average earning assets | $135,097,333 | 3,411 |
| Average equity | $12,780,667 | 3,461 |
| Average total loans | $91,474,333 | 3,278 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,598 |
| Cost of funding earning assets | 0.9059% | 2,351 |
| Net interest margin | 3.0302% | 3,524 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.0552% | 3,484 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1844% | 1,976 |
| Return on assets (ROA) | 1.1844% | 1,939 |
| Pretax return on assets | 1.1844% | 2,467 |
| Return on Equity (ROE) | 13.3400% | 1,915 |
| Retained earnings to average equity (ytd only) | 7.6614% | 2,324 |
| Net charge-offs to loans | 0.1238% | 525 |
| Credit loss provision to net charge-offs | 10.3448% | 1,402 |
| Earnings coverage of net charge-offs (x) | 14.6897% | 1,564 |
| Efficiency ratio | 63.2759% | 2,538 |
| Assets per employee ($millions) | 5.7502% | 2,978 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,247 |
| Loan loss allowance to noncurrent loans | 561.0169% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,359 |
| Noncurrent loans to loans | 0.2678% | 2,188 |
| Net loans and leases to total assets | 60.3900% | 2,612 |
| Net loans and leases to deposits | 67.6446% | 2,800 |
| Net loans and leases to core deposits | 68.0577% | 3,099 |
| Total domestic deposits to total assets | 89.2700% | 1,433 |
| Equity capital to assets | 9.0640% | 2,465 |
| Core capital (leverage) ratio | 11.1097% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5216% | 1,065 |
| Memoranda: | ||
| Average total assets | $142,856,500 | 3,496 |
| Average earning assets | $138,207,000 | 3,429 |
| Average equity | $12,687,000 | 3,506 |
| Average total loans | $93,708,000 | 3,284 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5859% | 2,840 |
| Cost of funding earning assets | 0.4284% | 1,873 |
| Net interest margin | 3.1575% | 2,997 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.2027% | 3,020 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1545% | 1,949 |
| Return on assets (ROA) | 1.1545% | 1,890 |
| Pretax return on assets | 1.1545% | 2,587 |
| Return on Equity (ROE) | 12.3400% | 2,025 |
| Retained earnings to average equity (ytd only) | 6.6237% | 2,401 |
| Net charge-offs to loans | 0.0139% | 1,865 |
| Credit loss provision to net charge-offs | 353.8462% | 833 |
| Earnings coverage of net charge-offs (x) | 123.0769% | 877 |
| Efficiency ratio | 64.9507% | 2,369 |
| Assets per employee ($millions) | 5.6783% | 3,053 |
| Cash dividends to net income (ytd only)* | 46.3320% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 1,652 |
| Loan loss allowance to noncurrent loans | 453.0201% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 2,114 |
| Noncurrent loans to loans | 0.3002% | 2,064 |
| Net loans and leases to total assets | 68.9800% | 1,732 |
| Net loans and leases to deposits | 76.9332% | 2,042 |
| Net loans and leases to core deposits | 77.8722% | 2,288 |
| Total domestic deposits to total assets | 89.6700% | 1,497 |
| Equity capital to assets | 8.6955% | 2,564 |
| Core capital (leverage) ratio | 11.0061% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7464% | 1,421 |
| Memoranda: | ||
| Average total assets | $134,606,800 | 3,590 |
| Average earning assets | $130,260,800 | 3,531 |
| Average equity | $12,591,200 | 3,612 |
| Average total loans | $93,396,400 | 3,241 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 2,694 |
| Cost of funding earning assets | 0.3804% | 1,435 |
| Net interest margin | 3.0949% | 2,949 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.1892% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1529% | 1,882 |
| Return on assets (ROA) | 1.1529% | 1,856 |
| Pretax return on assets | 1.1529% | 2,547 |
| Return on Equity (ROE) | 12.1000% | 2,001 |
| Retained earnings to average equity (ytd only) | 6.4068% | 2,592 |
| Net charge-offs to loans | 0.0029% | 2,138 |
| Credit loss provision to net charge-offs | 200.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 576.0000% | 274 |
| Efficiency ratio | 65.4262% | 2,352 |
| Assets per employee ($millions) | 5.5841% | 3,140 |
| Cash dividends to net income (ytd only)* | 47.0383% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,426 |
| Loan loss allowance to noncurrent loans | 435.3135% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 2,162 |
| Noncurrent loans to loans | 0.3352% | 2,028 |
| Net loans and leases to total assets | 63.8100% | 2,111 |
| Net loans and leases to deposits | 70.7655% | 2,302 |
| Net loans and leases to core deposits | 71.7880% | 2,500 |
| Total domestic deposits to total assets | 90.1800% | 1,579 |
| Equity capital to assets | 8.1187% | 2,825 |
| Core capital (leverage) ratio | 10.8949% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6209% | 1,254 |
| Memoranda: | ||
| Average total assets | $132,769,000 | 3,632 |
| Average earning assets | $128,292,750 | 3,568 |
| Average equity | $12,653,000 | 3,646 |
| Average total loans | $91,925,750 | 3,269 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4184% | 2,376 |
| Cost of funding earning assets | 0.3781% | 1,059 |
| Net interest margin | 3.0404% | 2,758 |
| Noninterest income to average assets | 0.3510% | 3,051 |
| Noninterest expense to average assets | 2.1641% | 2,958 |
| Loan and lease loss provision to assets | 0.0046% | 2,526 |
| Net operating income to assets | 1.1158% | 1,720 |
| Return on assets (ROA) | 1.1158% | 1,694 |
| Pretax return on assets | 1.1158% | 2,344 |
| Return on Equity (ROE) | 11.1207% | 1,941 |
| Retained earnings to average equity (ytd only) | 5.6215% | 2,463 |
| Net charge-offs to loans | 0.0043% | 1,862 |
| Credit loss provision to net charge-offs | 150.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 365.5000% | 344 |
| Efficiency ratio | 65.8889% | 2,528 |
| Assets per employee ($millions) | 5.4685% | 3,261 |
| Cash dividends to net income (ytd only)* | 49.4505% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,633 |
| Loan loss allowance to noncurrent loans | 270.6366% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 1,509 |
| Noncurrent loans to loans | 0.5290% | 1,566 |
| Net loans and leases to total assets | 69.1392% | 1,385 |
| Net loans and leases to deposits | 77.8171% | 1,554 |
| Net loans and leases to core deposits | 79.2740% | 1,761 |
| Total domestic deposits to total assets | 88.8483% | 2,245 |
| Equity capital to assets | 9.3688% | 2,113 |
| Core capital (leverage) ratio | 11.2896% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2079% | 1,386 |
| Memoranda: | ||
| Average total assets | $130,491,000 | 3,696 |
| Average earning assets | $125,906,000 | 3,641 |
| Average equity | $13,092,667 | 3,672 |
| Average total loans | $92,432,667 | 3,294 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3960% | 2,097 |
| Cost of funding earning assets | 0.4181% | 778 |
| Net interest margin | 2.9779% | 2,574 |
| Noninterest income to average assets | 0.3935% | 2,731 |
| Noninterest expense to average assets | 2.2257% | 2,757 |
| Loan and lease loss provision to assets | 0.0092% | 2,154 |
| Net operating income to assets | 1.0268% | 1,774 |
| Return on assets (ROA) | 1.0268% | 1,763 |
| Pretax return on assets | 1.0268% | 2,363 |
| Return on Equity (ROE) | 9.9029% | 1,995 |
| Retained earnings to average equity (ytd only) | 4.5660% | 2,750 |
| Net charge-offs to loans | 0.0130% | 1,296 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 112.3333% | 637 |
| Efficiency ratio | 68.2375% | 2,473 |
| Assets per employee ($millions) | 5.4497% | 3,352 |
| Cash dividends to net income (ytd only)* | 53.8922% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,725 |
| Loan loss allowance to noncurrent loans | 236.4452% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,427 |
| Noncurrent loans to loans | 0.6120% | 1,527 |
| Net loans and leases to total assets | 68.5784% | 1,150 |
| Net loans and leases to deposits | 77.5486% | 1,323 |
| Net loans and leases to core deposits | 78.4912% | 1,576 |
| Total domestic deposits to total assets | 88.4328% | 2,324 |
| Equity capital to assets | 9.7735% | 2,069 |
| Core capital (leverage) ratio | 11.0799% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0077% | 1,510 |
| Memoranda: | ||
| Average total assets | $130,114,500 | 3,716 |
| Average earning assets | $125,323,500 | 3,664 |
| Average equity | $13,491,000 | 3,705 |
| Average total loans | $92,619,500 | 3,290 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6181% | 2,332 |
| Cost of funding earning assets | 0.4842% | 993 |
| Net interest margin | 3.1339% | 2,791 |
| Noninterest income to average assets | 0.7089% | 1,734 |
| Noninterest expense to average assets | 2.4614% | 2,304 |
| Loan and lease loss provision to assets | 0.0451% | 2,153 |
| Net operating income to assets | 1.2232% | 1,845 |
| Return on assets (ROA) | 1.2524% | 1,794 |
| Pretax return on assets | 1.2524% | 2,515 |
| Return on Equity (ROE) | 10.6315% | 2,298 |
| Retained earnings to average equity (ytd only) | 4.9614% | 2,796 |
| Net charge-offs to loans | 0.0257% | 1,733 |
| Credit loss provision to net charge-offs | 234.7826% | 1,211 |
| Earnings coverage of net charge-offs (x) | 66.0435% | 1,116 |
| Efficiency ratio | 65.9951% | 2,259 |
| Assets per employee ($millions) | 4.9783% | 3,754 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,930 |
| Loan loss allowance to noncurrent loans | 555.6962% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 2,652 |
| Noncurrent loans to loans | 0.2515% | 2,721 |
| Net loans and leases to total assets | 71.7801% | 856 |
| Net loans and leases to deposits | 84.9059% | 855 |
| Net loans and leases to core deposits | 85.9959% | 1,202 |
| Total domestic deposits to total assets | 84.5407% | 3,414 |
| Equity capital to assets | 10.9698% | 1,807 |
| Core capital (leverage) ratio | 11.4221% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7626% | 1,595 |
| Memoranda: | ||
| Average total assets | $119,771,400 | 3,801 |
| Average earning assets | $115,447,000 | 3,747 |
| Average equity | $14,109,000 | 3,732 |
| Average total loans | $89,524,800 | 3,340 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6686% | 2,358 |
| Cost of funding earning assets | 0.5049% | 1,024 |
| Net interest margin | 3.1637% | 2,846 |
| Noninterest income to average assets | 0.8521% | 1,376 |
| Noninterest expense to average assets | 2.4052% | 2,424 |
| Loan and lease loss provision to assets | 0.0477% | 2,045 |
| Net operating income to assets | 1.4463% | 1,408 |
| Return on assets (ROA) | 1.4667% | 1,397 |
| Pretax return on assets | 1.4667% | 2,093 |
| Return on Equity (ROE) | 12.2194% | 1,972 |
| Retained earnings to average equity (ytd only) | 6.5404% | 2,602 |
| Net charge-offs to loans | 0.0257% | 1,529 |
| Credit loss provision to net charge-offs | 247.0588% | 1,105 |
| Earnings coverage of net charge-offs (x) | 77.3529% | 1,001 |
| Efficiency ratio | 61.6841% | 2,741 |
| Assets per employee ($millions) | 4.7116% | 3,954 |
| Cash dividends to net income (ytd only)* | 46.4756% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,716 |
| Loan loss allowance to noncurrent loans | 496.5909% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 2,701 |
| Noncurrent loans to loans | 0.2977% | 2,725 |
| Net loans and leases to total assets | 71.3243% | 946 |
| Net loans and leases to deposits | 83.3171% | 1,009 |
| Net loans and leases to core deposits | 84.6752% | 1,372 |
| Total domestic deposits to total assets | 85.6058% | 2,910 |
| Equity capital to assets | 11.7305% | 1,528 |
| Core capital (leverage) ratio | 11.3667% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5105% | 1,479 |
| Memoranda: | ||
| Average total assets | $117,355,000 | 3,876 |
| Average earning assets | $113,028,250 | 3,811 |
| Average equity | $14,086,500 | 3,780 |
| Average total loans | $88,349,250 | 3,406 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 2,308 |
| Cost of funding earning assets | 0.5467% | 958 |
| Net interest margin | 3.1613% | 2,868 |
| Noninterest income to average assets | 1.1207% | 904 |
| Noninterest expense to average assets | 2.4594% | 2,278 |
| Loan and lease loss provision to assets | 0.0519% | 1,995 |
| Net operating income to assets | 1.6500% | 955 |
| Return on assets (ROA) | 1.6500% | 1,006 |
| Pretax return on assets | 1.6500% | 1,616 |
| Return on Equity (ROE) | 13.6364% | 1,527 |
| Retained earnings to average equity (ytd only) | 7.9188% | 2,107 |
| Net charge-offs to loans | 0.0227% | 1,491 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 98.4000% | 759 |
| Efficiency ratio | 59.1022% | 3,138 |
| Assets per employee ($millions) | 4.7648% | 3,868 |
| Cash dividends to net income (ytd only)* | 41.9287% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,835 |
| Loan loss allowance to noncurrent loans | 474.9091% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 2,823 |
| Noncurrent loans to loans | 0.3021% | 2,846 |
| Net loans and leases to total assets | 72.4355% | 914 |
| Net loans and leases to deposits | 83.2755% | 1,108 |
| Net loans and leases to core deposits | 85.4368% | 1,459 |
| Total domestic deposits to total assets | 86.9830% | 2,330 |
| Equity capital to assets | 11.4970% | 1,631 |
| Core capital (leverage) ratio | 11.3235% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4073% | 1,498 |
| Memoranda: | ||
| Average total assets | $115,639,667 | 3,910 |
| Average earning assets | $111,220,333 | 3,856 |
| Average equity | $13,992,000 | 3,793 |
| Average total loans | $88,237,667 | 3,425 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 1,970 |
| Cost of funding earning assets | 0.5704% | 1,005 |
| Net interest margin | 3.2724% | 2,476 |
| Noninterest income to average assets | 1.0653% | 1,028 |
| Noninterest expense to average assets | 2.5144% | 2,143 |
| Loan and lease loss provision to assets | 0.0646% | 1,850 |
| Net operating income to assets | 1.6141% | 1,105 |
| Return on assets (ROA) | 1.6141% | 1,156 |
| Pretax return on assets | 1.6141% | 1,683 |
| Return on Equity (ROE) | 12.9809% | 1,677 |
| Retained earnings to average equity (ytd only) | 7.2116% | 2,503 |
| Net charge-offs to loans | 0.0461% | 1,024 |
| Credit loss provision to net charge-offs | 180.0000% | 921 |
| Earnings coverage of net charge-offs (x) | 46.8000% | 922 |
| Efficiency ratio | 59.9658% | 3,038 |
| Assets per employee ($millions) | 4.6443% | 3,986 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 1,633 |
| Loan loss allowance to noncurrent loans | 1,135.0877% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 3,700 |
| Noncurrent loans to loans | 0.1316% | 3,655 |
| Net loans and leases to total assets | 73.5186% | 854 |
| Net loans and leases to deposits | 87.4645% | 862 |
| Net loans and leases to core deposits | 90.2098% | 1,218 |
| Total domestic deposits to total assets | 84.0554% | 3,417 |
| Equity capital to assets | 11.9742% | 1,301 |
| Core capital (leverage) ratio | 12.0569% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3727% | 1,450 |
| Memoranda: | ||
| Average total assets | $111,517,500 | 3,960 |
| Average earning assets | $106,589,000 | 3,915 |
| Average equity | $13,866,500 | 3,803 |
| Average total loans | $86,835,500 | 3,454 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 1,915 |
| Cost of funding earning assets | 0.7381% | 1,517 |
| Net interest margin | 3.5455% | 2,323 |
| Noninterest income to average assets | 0.6836% | 1,917 |
| Noninterest expense to average assets | 2.6182% | 2,488 |
| Loan and lease loss provision to assets | 0.1430% | 2,571 |
| Net operating income to assets | 1.3301% | 1,174 |
| Return on assets (ROA) | 1.3301% | 1,271 |
| Pretax return on assets | 1.3301% | 1,880 |
| Return on Equity (ROE) | 10.3551% | 1,861 |
| Retained earnings to average equity (ytd only) | 4.7136% | 2,408 |
| Net charge-offs to loans | 0.1280% | 1,231 |
| Credit loss provision to net charge-offs | 137.6147% | 2,502 |
| Earnings coverage of net charge-offs (x) | 14.1743% | 2,228 |
| Efficiency ratio | 63.9944% | 2,822 |
| Assets per employee ($millions) | 4.2771% | 4,145 |
| Cash dividends to net income (ytd only)* | 54.4803% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 1,661 |
| Loan loss allowance to noncurrent loans | 636.6337% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 3,340 |
| Noncurrent loans to loans | 0.2321% | 3,365 |
| Net loans and leases to total assets | 80.1762% | 410 |
| Net loans and leases to deposits | 96.5211% | 521 |
| Net loans and leases to core deposits | 99.8474% | 904 |
| Total domestic deposits to total assets | 83.0660% | 3,391 |
| Equity capital to assets | 12.9341% | 1,119 |
| Core capital (leverage) ratio | 12.6721% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6146% | 1,374 |
| Memoranda: | ||
| Average total assets | $104,883,200 | 3,930 |
| Average earning assets | $100,803,800 | 3,880 |
| Average equity | $13,471,600 | 3,816 |
| Average total loans | $85,129,400 | 3,481 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 1,899 |
| Cost of funding earning assets | 0.7932% | 1,532 |
| Net interest margin | 3.5858% | 2,321 |
| Noninterest income to average assets | 0.7537% | 1,637 |
| Noninterest expense to average assets | 2.6379% | 2,423 |
| Loan and lease loss provision to assets | 0.1523% | 2,488 |
| Net operating income to assets | 1.4116% | 1,074 |
| Return on assets (ROA) | 1.4116% | 1,166 |
| Pretax return on assets | 1.4116% | 1,689 |
| Return on Equity (ROE) | 11.0095% | 1,675 |
| Retained earnings to average equity (ytd only) | 5.4300% | 2,361 |
| Net charge-offs to loans | 0.1323% | 1,088 |
| Credit loss provision to net charge-offs | 141.6667% | 2,374 |
| Earnings coverage of net charge-offs (x) | 14.5714% | 2,151 |
| Efficiency ratio | 62.7850% | 2,945 |
| Assets per employee ($millions) | 4.0993% | 4,237 |
| Cash dividends to net income (ytd only)* | 50.6787% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 1,259 |
| Loan loss allowance to noncurrent loans | 457.5000% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 3,128 |
| Noncurrent loans to loans | 0.3375% | 3,072 |
| Net loans and leases to total assets | 76.6356% | 1,014 |
| Net loans and leases to deposits | 92.2947% | 1,049 |
| Net loans and leases to core deposits | 95.4774% | 1,502 |
| Total domestic deposits to total assets | 83.0336% | 3,141 |
| Equity capital to assets | 12.8803% | 1,238 |
| Core capital (leverage) ratio | 12.7133% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,372,250 | 3,935 |
| Average earning assets | $100,356,000 | 3,888 |
| Average equity | $13,382,000 | 3,833 |
| Average total loans | $84,657,750 | 3,507 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 1,868 |
| Cost of funding earning assets | 0.8957% | 1,398 |
| Net interest margin | 3.6210% | 2,414 |
| Noninterest income to average assets | 0.8954% | 1,181 |
| Noninterest expense to average assets | 2.7056% | 2,371 |
| Loan and lease loss provision to assets | 0.1718% | 2,291 |
| Net operating income to assets | 1.5053% | 916 |
| Return on assets (ROA) | 1.5053% | 989 |
| Pretax return on assets | 1.5053% | 1,445 |
| Return on Equity (ROE) | 11.7588% | 1,402 |
| Retained earnings to average equity (ytd only) | 6.0302% | 2,069 |
| Net charge-offs to loans | 0.1901% | 805 |
| Credit loss provision to net charge-offs | 109.8765% | 2,335 |
| Earnings coverage of net charge-offs (x) | 10.7284% | 2,133 |
| Efficiency ratio | 61.7349% | 3,166 |
| Assets per employee ($millions) | 4.1306% | 4,173 |
| Cash dividends to net income (ytd only)* | 48.7179% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,315 |
| Loan loss allowance to noncurrent loans | 389.1304% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 3,110 |
| Noncurrent loans to loans | 0.3810% | 3,048 |
| Net loans and leases to total assets | 77.5234% | 916 |
| Net loans and leases to deposits | 93.0984% | 1,040 |
| Net loans and leases to core deposits | 95.3295% | 1,631 |
| Total domestic deposits to total assets | 83.2703% | 3,003 |
| Equity capital to assets | 12.6522% | 1,310 |
| Core capital (leverage) ratio | 12.5024% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1320% | 1,223 |
| Memoranda: | ||
| Average total assets | $103,636,000 | 3,944 |
| Average earning assets | $99,808,000 | 3,882 |
| Average equity | $13,266,667 | 3,845 |
| Average total loans | $85,223,667 | 3,493 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 1,631 |
| Cost of funding earning assets | 0.8963% | 1,889 |
| Net interest margin | 3.8297% | 1,874 |
| Noninterest income to average assets | 0.4363% | 2,870 |
| Noninterest expense to average assets | 2.7360% | 2,612 |
| Loan and lease loss provision to assets | 0.0550% | 3,076 |
| Net operating income to assets | 1.3405% | 1,129 |
| Return on assets (ROA) | 1.3405% | 1,221 |
| Pretax return on assets | 1.3405% | 1,749 |
| Return on Equity (ROE) | 10.4074% | 1,609 |
| Retained earnings to average equity (ytd only) | 4.9138% | 2,310 |
| Net charge-offs to loans | 0.0701% | 1,327 |
| Credit loss provision to net charge-offs | 93.3333% | 1,883 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,322 |
| Efficiency ratio | 66.2226% | 2,926 |
| Assets per employee ($millions) | 4.1009% | 3,784 |
| Cash dividends to net income (ytd only)* | 52.7859% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 1,444 |
| Loan loss allowance to noncurrent loans | 1,120.7207% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 4,016 |
| Noncurrent loans to loans | 0.1313% | 3,991 |
| Net loans and leases to total assets | 81.2528% | 534 |
| Net loans and leases to deposits | 101.9995% | 447 |
| Net loans and leases to core deposits | 104.3519% | 1,164 |
| Total domestic deposits to total assets | 79.6600% | 3,919 |
| Equity capital to assets | 12.8724% | 1,510 |
| Core capital (leverage) ratio | 12.6794% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0273% | 1,596 |
| Memoranda: | ||
| Average total assets | $101,756,000 | 3,966 |
| Average earning assets | $98,181,000 | 3,896 |
| Average equity | $13,106,000 | 3,871 |
| Average total loans | $85,580,500 | 3,491 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 2,297 |
| Cost of funding earning assets | 0.8619% | 2,370 |
| Net interest margin | 3.8469% | 2,350 |
| Noninterest income to average assets | 0.3833% | 3,395 |
| Noninterest expense to average assets | 2.7019% | 2,880 |
| Loan and lease loss provision to assets | 0.0511% | 3,001 |
| Net operating income to assets | 1.3239% | 1,601 |
| Return on assets (ROA) | 1.3407% | 1,617 |
| Pretax return on assets | 1.3407% | 2,360 |
| Return on Equity (ROE) | 10.8112% | 1,962 |
| Retained earnings to average equity (ytd only) | 5.1044% | 2,365 |
| Net charge-offs to loans | 0.0132% | 3,217 |
| Credit loss provision to net charge-offs | 472.7273% | 614 |
| Earnings coverage of net charge-offs (x) | 127.1818% | 564 |
| Efficiency ratio | 66.2729% | 2,727 |
| Assets per employee ($millions) | 4.2079% | 3,630 |
| Cash dividends to net income (ytd only)* | 52.7859% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,403 |
| Loan loss allowance to noncurrent loans | 824.5033% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 3,884 |
| Noncurrent loans to loans | 0.1743% | 3,835 |
| Net loans and leases to total assets | 84.5331% | 274 |
| Net loans and leases to deposits | 106.2821% | 290 |
| Net loans and leases to core deposits | 109.1172% | 903 |
| Total domestic deposits to total assets | 79.5366% | 4,065 |
| Equity capital to assets | 12.8874% | 1,591 |
| Core capital (leverage) ratio | 12.9617% | 1,254 |
| Tier 1 risk-based capital ratio | 14.6716% | 2,922 |
| Total risk-based capital ratio | 15.9234% | 2,830 |
| Memoranda: | ||
| Average total assets | $101,741,400 | 3,975 |
| Average earning assets | $97,689,800 | 3,917 |
| Average equity | $12,616,600 | 3,922 |
| Average total loans | $83,125,200 | 3,539 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 2,382 |
| Cost of funding earning assets | 0.8502% | 2,466 |
| Net interest margin | 3.8607% | 2,400 |
| Noninterest income to average assets | 0.3924% | 3,370 |
| Noninterest expense to average assets | 2.6632% | 2,971 |
| Loan and lease loss provision to assets | 0.0523% | 2,859 |
| Net operating income to assets | 1.3774% | 1,540 |
| Return on assets (ROA) | 1.3996% | 1,528 |
| Pretax return on assets | 1.3996% | 2,316 |
| Return on Equity (ROE) | 11.3975% | 1,840 |
| Retained earnings to average equity (ytd only) | 5.6455% | 2,543 |
| Net charge-offs to loans | -0.0049% | 4,198 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0687% | 2,849 |
| Assets per employee ($millions) | 3.8678% | 4,074 |
| Cash dividends to net income (ytd only)* | 50.4672% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,083 |
| Loan loss allowance to noncurrent loans | 626.6332% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 3,748 |
| Noncurrent loans to loans | 0.2493% | 3,647 |
| Net loans and leases to total assets | 81.2702% | 670 |
| Net loans and leases to deposits | 104.6879% | 373 |
| Net loans and leases to core deposits | 107.6920% | 1,071 |
| Total domestic deposits to total assets | 77.6309% | 4,421 |
| Equity capital to assets | 13.3315% | 1,446 |
| Core capital (leverage) ratio | 13.1199% | 1,297 |
| Tier 1 risk-based capital ratio | 15.6967% | 2,562 |
| Total risk-based capital ratio | 16.9496% | 2,494 |
| Memoranda: | ||
| Average total assets | $101,929,250 | 4,012 |
| Average earning assets | $97,699,500 | 3,948 |
| Average equity | $12,517,000 | 3,969 |
| Average total loans | $82,252,750 | 3,597 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 2,538 |
| Cost of funding earning assets | 0.8286% | 2,503 |
| Net interest margin | 3.8131% | 2,542 |
| Noninterest income to average assets | 0.3916% | 3,330 |
| Noninterest expense to average assets | 2.6255% | 3,132 |
| Loan and lease loss provision to assets | 0.0540% | 2,738 |
| Net operating income to assets | 1.3697% | 1,519 |
| Return on assets (ROA) | 1.4025% | 1,484 |
| Pretax return on assets | 1.4025% | 2,203 |
| Return on Equity (ROE) | 11.7331% | 1,685 |
| Retained earnings to average equity (ytd only) | 5.9230% | 2,319 |
| Net charge-offs to loans | -0.0072% | 4,226 |
| Credit loss provision to net charge-offs | -933.3333% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8404% | 2,998 |
| Assets per employee ($millions) | 3.9823% | 3,884 |
| Cash dividends to net income (ytd only)* | 49.5186% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 1,290 |
| Loan loss allowance to noncurrent loans | 1,816.1765% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,426 |
| Noncurrent loans to loans | 0.0825% | 4,308 |
| Net loans and leases to total assets | 78.4568% | 1,137 |
| Net loans and leases to deposits | 97.7804% | 865 |
| Net loans and leases to core deposits | 99.9889% | 1,725 |
| Total domestic deposits to total assets | 80.2378% | 3,991 |
| Equity capital to assets | 12.2531% | 2,020 |
| Core capital (leverage) ratio | 12.2939% | 1,644 |
| Tier 1 risk-based capital ratio | 15.0444% | 2,821 |
| Total risk-based capital ratio | 16.2966% | 2,742 |
| Memoranda: | ||
| Average total assets | $103,673,670 | 4,005 |
| Average earning assets | $99,447,000 | 3,935 |
| Average equity | $12,392,330 | 3,995 |
| Average total loans | $83,059,670 | 3,594 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 2,406 |
| Cost of funding earning assets | 0.8061% | 2,501 |
| Net interest margin | 3.8370% | 2,387 |
| Noninterest income to average assets | 0.4126% | 3,092 |
| Noninterest expense to average assets | 2.5718% | 3,292 |
| Loan and lease loss provision to assets | 0.0617% | 2,424 |
| Net operating income to assets | 1.4498% | 1,233 |
| Return on assets (ROA) | 1.4498% | 1,262 |
| Pretax return on assets | 1.4498% | 1,922 |
| Return on Equity (ROE) | 12.2826% | 1,441 |
| Retained earnings to average equity (ytd only) | 6.4026% | 2,276 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9839% | 3,384 |
| Assets per employee ($millions) | 4.1347% | 3,717 |
| Cash dividends to net income (ytd only)* | 47.8723% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 1,463 |
| Loan loss allowance to noncurrent loans | 1,626.6667% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 4,451 |
| Noncurrent loans to loans | 0.0899% | 4,348 |
| Net loans and leases to total assets | 79.5043% | 908 |
| Net loans and leases to deposits | 100.0292% | 635 |
| Net loans and leases to core deposits | 101.9894% | 1,464 |
| Total domestic deposits to total assets | 79.4811% | 4,253 |
| Equity capital to assets | 12.0405% | 1,997 |
| Core capital (leverage) ratio | 11.8725% | 1,854 |
| Tier 1 risk-based capital ratio | 14.7049% | 3,001 |
| Total risk-based capital ratio | 15.9563% | 2,935 |
| Memoranda: | ||
| Average total assets | $103,740,000 | 4,042 |
| Average earning assets | $99,243,500 | 3,983 |
| Average equity | $12,245,000 | 4,033 |
| Average total loans | $83,354,500 | 3,624 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 2,826 |
| Cost of funding earning assets | 0.6747% | 2,247 |
| Net interest margin | 3.7054% | 3,015 |
| Noninterest income to average assets | 0.3564% | 3,712 |
| Noninterest expense to average assets | 2.5216% | 3,549 |
| Loan and lease loss provision to assets | 0.0891% | 2,361 |
| Net operating income to assets | 1.2927% | 1,837 |
| Return on assets (ROA) | 1.2937% | 1,814 |
| Pretax return on assets | 1.2937% | 2,523 |
| Return on Equity (ROE) | 11.4114% | 1,931 |
| Retained earnings to average equity (ytd only) | 5.0907% | 2,717 |
| Net charge-offs to loans | 0.0223% | 2,977 |
| Credit loss provision to net charge-offs | 511.1111% | 680 |
| Earnings coverage of net charge-offs (x) | 79.2778% | 862 |
| Efficiency ratio | 64.5994% | 3,097 |
| Assets per employee ($millions) | 3.7183% | 4,294 |
| Cash dividends to net income (ytd only)* | 55.3892% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,469 |
| Loan loss allowance to noncurrent loans | 593.1034% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 3,847 |
| Noncurrent loans to loans | 0.2437% | 3,712 |
| Net loans and leases to total assets | 78.8603% | 1,128 |
| Net loans and leases to deposits | 99.1558% | 809 |
| Net loans and leases to core deposits | 101.3880% | 1,617 |
| Total domestic deposits to total assets | 79.5317% | 4,208 |
| Equity capital to assets | 11.5683% | 2,202 |
| Core capital (leverage) ratio | 12.0706% | 1,684 |
| Tier 1 risk-based capital ratio | 14.2902% | 3,171 |
| Total risk-based capital ratio | 15.5420% | 3,086 |
| Memoranda: | ||
| Average total assets | $103,269,200 | 4,049 |
| Average earning assets | $98,856,400 | 3,993 |
| Average equity | $11,707,600 | 4,059 |
| Average total loans | $80,714,400 | 3,654 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 2,849 |
| Cost of funding earning assets | 0.6598% | 2,094 |
| Net interest margin | 3.6706% | 3,119 |
| Noninterest income to average assets | 0.3467% | 3,821 |
| Noninterest expense to average assets | 2.5305% | 3,500 |
| Loan and lease loss provision to assets | 0.0699% | 2,569 |
| Net operating income to assets | 1.2588% | 2,003 |
| Return on assets (ROA) | 1.2601% | 2,004 |
| Pretax return on assets | 1.2601% | 2,770 |
| Return on Equity (ROE) | 11.1725% | 2,106 |
| Retained earnings to average equity (ytd only) | 4.7489% | 3,373 |
| Net charge-offs to loans | 0.0216% | 2,705 |
| Credit loss provision to net charge-offs | 415.3846% | 804 |
| Earnings coverage of net charge-offs (x) | 79.0133% | 884 |
| Efficiency ratio | 65.5716% | 2,946 |
| Assets per employee ($millions) | 3.9163% | 4,023 |
| Cash dividends to net income (ytd only)* | 57.4952% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 1,409 |
| Loan loss allowance to noncurrent loans | 582.5871% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 3,961 |
| Noncurrent loans to loans | 0.2542% | 3,782 |
| Net loans and leases to total assets | 76.4930% | 1,585 |
| Net loans and leases to deposits | 92.9641% | 1,506 |
| Net loans and leases to core deposits | 93.8976% | 2,296 |
| Total domestic deposits to total assets | 82.2823% | 3,531 |
| Equity capital to assets | 11.4883% | 2,269 |
| Core capital (leverage) ratio | 11.8881% | 1,849 |
| Tier 1 risk-based capital ratio | 14.8048% | 2,968 |
| Total risk-based capital ratio | 16.0560% | 2,889 |
| Memoranda: | ||
| Average total assets | $103,058,500 | 4,093 |
| Average earning assets | $98,619,000 | 4,037 |
| Average equity | $11,623,500 | 4,109 |
| Average total loans | $80,066,250 | 3,697 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,839 |
| Cost of funding earning assets | 0.6577% | 1,883 |
| Net interest margin | 3.6216% | 3,230 |
| Noninterest income to average assets | 0.3653% | 3,712 |
| Noninterest expense to average assets | 2.5070% | 3,615 |
| Loan and lease loss provision to assets | 0.0696% | 2,491 |
| Net operating income to assets | 1.2583% | 1,950 |
| Return on assets (ROA) | 1.2603% | 1,938 |
| Pretax return on assets | 1.2603% | 2,677 |
| Return on Equity (ROE) | 11.2427% | 2,019 |
| Retained earnings to average equity (ytd only) | 4.6902% | 3,240 |
| Net charge-offs to loans | 0.0050% | 2,993 |
| Credit loss provision to net charge-offs | 1,800.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 343.5000% | 265 |
| Efficiency ratio | 65.3730% | 3,090 |
| Assets per employee ($millions) | 3.7365% | 4,303 |
| Cash dividends to net income (ytd only)* | 58.2822% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 1,426 |
| Loan loss allowance to noncurrent loans | 1,662.8571% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,671 |
| Noncurrent loans to loans | 0.0896% | 4,512 |
| Net loans and leases to total assets | 76.2484% | 1,594 |
| Net loans and leases to deposits | 95.1582% | 1,230 |
| Net loans and leases to core deposits | 96.4492% | 2,018 |
| Total domestic deposits to total assets | 80.1281% | 4,209 |
| Equity capital to assets | 11.5635% | 2,152 |
| Core capital (leverage) ratio | 11.6482% | 1,947 |
| Tier 1 risk-based capital ratio | 14.8267% | 2,961 |
| Total risk-based capital ratio | 16.0786% | 2,883 |
| Memoranda: | ||
| Average total assets | $103,469,670 | 4,121 |
| Average earning assets | $99,128,330 | 4,065 |
| Average equity | $11,598,670 | 4,137 |
| Average total loans | $80,401,670 | 3,704 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 3,018 |
| Cost of funding earning assets | 0.6202% | 1,914 |
| Net interest margin | 3.5425% | 3,375 |
| Noninterest income to average assets | 0.3055% | 4,120 |
| Noninterest expense to average assets | 2.4856% | 3,694 |
| Loan and lease loss provision to assets | 0.0687% | 2,390 |
| Net operating income to assets | 1.1531% | 2,202 |
| Return on assets (ROA) | 1.1569% | 2,200 |
| Pretax return on assets | 1.1569% | 2,948 |
| Return on Equity (ROE) | 10.4799% | 2,184 |
| Retained earnings to average equity (ytd only) | 4.9460% | 3,205 |
| Net charge-offs to loans | 0.0098% | 2,398 |
| Credit loss provision to net charge-offs | 900.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 409 |
| Efficiency ratio | 67.0443% | 2,999 |
| Assets per employee ($millions) | 4.1152% | 3,777 |
| Cash dividends to net income (ytd only)* | 52.8053% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,764 |
| Loan loss allowance to noncurrent loans | 491.8455% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 3,967 |
| Noncurrent loans to loans | 0.2887% | 3,740 |
| Net loans and leases to total assets | 77.3258% | 1,338 |
| Net loans and leases to deposits | 98.2330% | 840 |
| Net loans and leases to core deposits | 99.2489% | 1,746 |
| Total domestic deposits to total assets | 78.7167% | 4,620 |
| Equity capital to assets | 11.2005% | 2,385 |
| Core capital (leverage) ratio | 11.4239% | 2,069 |
| Tier 1 risk-based capital ratio | 14.3591% | 3,191 |
| Total risk-based capital ratio | 15.6104% | 3,105 |
| Memoranda: | ||
| Average total assets | $104,761,500 | 4,149 |
| Average earning assets | $100,608,000 | 4,084 |
| Average equity | $11,565,000 | 4,184 |
| Average total loans | $81,558,500 | 3,719 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 2,585 |
| Cost of funding earning assets | 0.5710% | 1,822 |
| Net interest margin | 3.6575% | 2,962 |
| Noninterest income to average assets | 0.3317% | 4,099 |
| Noninterest expense to average assets | 2.4466% | 3,947 |
| Loan and lease loss provision to assets | 0.1018% | 2,190 |
| Net operating income to assets | 1.2846% | 1,264 |
| Return on assets (ROA) | 1.2959% | 1,249 |
| Pretax return on assets | 1.2959% | 2,370 |
| Return on Equity (ROE) | 12.0981% | 1,179 |
| Retained earnings to average equity (ytd only) | 6.2910% | 1,387 |
| Net charge-offs to loans | 0.0036% | 3,977 |
| Credit loss provision to net charge-offs | 3,600.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 490.3333% | 177 |
| Efficiency ratio | 63.8308% | 3,628 |
| Assets per employee ($millions) | 4.2658% | 3,553 |
| Cash dividends to net income (ytd only)* | 48.0000% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 1,879 |
| Loan loss allowance to noncurrent loans | 579.4872% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 4,213 |
| Noncurrent loans to loans | 0.2366% | 3,955 |
| Net loans and leases to total assets | 76.2246% | 1,549 |
| Net loans and leases to deposits | 91.1148% | 1,636 |
| Net loans and leases to core deposits | 92.5211% | 2,324 |
| Total domestic deposits to total assets | 83.6578% | 3,325 |
| Equity capital to assets | 10.8839% | 2,748 |
| Core capital (leverage) ratio | 10.8658% | 2,462 |
| Tier 1 risk-based capital ratio | 13.6502% | 3,544 |
| Total risk-based capital ratio | 14.9000% | 3,457 |
| Memoranda: | ||
| Average total assets | $106,106,800 | 4,129 |
| Average earning assets | $101,573,200 | 4,070 |
| Average equity | $11,365,400 | 4,241 |
| Average total loans | $83,718,400 | 3,664 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 2,523 |
| Cost of funding earning assets | 0.5877% | 1,617 |
| Net interest margin | 3.6406% | 2,995 |
| Noninterest income to average assets | 0.3322% | 4,162 |
| Noninterest expense to average assets | 2.3767% | 4,074 |
| Loan and lease loss provision to assets | 0.0679% | 2,715 |
| Net operating income to assets | 1.3714% | 1,154 |
| Return on assets (ROA) | 1.3865% | 1,138 |
| Pretax return on assets | 1.3865% | 2,154 |
| Return on Equity (ROE) | 12.9969% | 1,058 |
| Retained earnings to average equity (ytd only) | 7.1000% | 1,642 |
| Net charge-offs to loans | -0.0032% | 4,379 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2816% | 3,837 |
| Assets per employee ($millions) | 4.2514% | 3,562 |
| Cash dividends to net income (ytd only)* | 45.3719% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 2,154 |
| Loan loss allowance to noncurrent loans | 545.9596% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 4,360 |
| Noncurrent loans to loans | 0.2459% | 4,069 |
| Net loans and leases to total assets | 74.7483% | 1,796 |
| Net loans and leases to deposits | 90.0259% | 1,805 |
| Net loans and leases to core deposits | 91.7858% | 2,464 |
| Total domestic deposits to total assets | 83.0297% | 3,441 |
| Equity capital to assets | 10.9836% | 2,880 |
| Core capital (leverage) ratio | 10.8454% | 2,601 |
| Tier 1 risk-based capital ratio | 13.9078% | 3,491 |
| Total risk-based capital ratio | 15.1576% | 3,419 |
| Memoranda: | ||
| Average total assets | $105,972,500 | 4,180 |
| Average earning assets | $101,410,250 | 4,113 |
| Average equity | $11,305,000 | 4,296 |
| Average total loans | $84,043,250 | 3,683 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 2,428 |
| Cost of funding earning assets | 0.5710% | 1,642 |
| Net interest margin | 3.6409% | 2,872 |
| Noninterest income to average assets | 0.2966% | 4,417 |
| Noninterest expense to average assets | 2.3520% | 4,206 |
| Loan and lease loss provision to assets | 0.0680% | 2,612 |
| Net operating income to assets | 1.3696% | 1,133 |
| Return on assets (ROA) | 1.3923% | 1,112 |
| Pretax return on assets | 1.3923% | 2,053 |
| Return on Equity (ROE) | 13.1819% | 988 |
| Retained earnings to average equity (ytd only) | 7.1007% | 1,545 |
| Net charge-offs to loans | 0.0023% | 3,427 |
| Credit loss provision to net charge-offs | 3,600.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 761.0000% | 100 |
| Efficiency ratio | 62.0638% | 3,978 |
| Assets per employee ($millions) | 3.8764% | 4,167 |
| Cash dividends to net income (ytd only)* | 46.1330% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,546 |
| Loan loss allowance to noncurrent loans | 1,019.2308% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,798 |
| Noncurrent loans to loans | 0.1251% | 4,619 |
| Net loans and leases to total assets | 78.4358% | 1,171 |
| Net loans and leases to deposits | 96.8329% | 995 |
| Net loans and leases to core deposits | 99.0983% | 1,720 |
| Total domestic deposits to total assets | 81.0011% | 4,185 |
| Equity capital to assets | 10.9981% | 2,806 |
| Core capital (leverage) ratio | 10.5905% | 2,824 |
| Tier 1 risk-based capital ratio | 13.3094% | 3,794 |
| Total risk-based capital ratio | 14.5539% | 3,717 |
| Memoranda: | ||
| Average total assets | $105,868,000 | 4,210 |
| Average earning assets | $101,568,330 | 4,138 |
| Average equity | $11,182,000 | 4,327 |
| Average total loans | $85,215,000 | 3,675 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 2,294 |
| Cost of funding earning assets | 0.5669% | 1,608 |
| Net interest margin | 3.6282% | 2,784 |
| Noninterest income to average assets | 0.2855% | 4,508 |
| Noninterest expense to average assets | 2.3443% | 4,278 |
| Loan and lease loss provision to assets | 0.0639% | 2,525 |
| Net operating income to assets | 1.3638% | 1,082 |
| Return on assets (ROA) | 1.4051% | 1,023 |
| Pretax return on assets | 1.4051% | 1,878 |
| Return on Equity (ROE) | 13.5784% | 886 |
| Retained earnings to average equity (ytd only) | 7.0433% | 1,833 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1514% | 4,128 |
| Assets per employee ($millions) | 4.0439% | 3,933 |
| Cash dividends to net income (ytd only)* | 48.1283% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 3,082 |
| Loan loss allowance to noncurrent loans | 922.1239% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 4,841 |
| Noncurrent loans to loans | 0.1311% | 4,662 |
| Net loans and leases to total assets | 81.0065% | 695 |
| Net loans and leases to deposits | 102.1504% | 492 |
| Net loans and leases to core deposits | 103.9406% | 1,228 |
| Total domestic deposits to total assets | 79.3011% | 4,769 |
| Equity capital to assets | 10.6134% | 3,052 |
| Core capital (leverage) ratio | 10.3155% | 3,091 |
| Tier 1 risk-based capital ratio | 12.7327% | 4,239 |
| Total risk-based capital ratio | 13.9245% | 4,184 |
| Memoranda: | ||
| Average total assets | $106,470,000 | 4,235 |
| Average earning assets | $102,311,000 | 4,170 |
| Average equity | $11,017,500 | 4,385 |
| Average total loans | $86,245,500 | 3,680 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,158 |
| Cost of funding earning assets | 0.5326% | 1,848 |
| Net interest margin | 3.4792% | 3,509 |
| Noninterest income to average assets | 0.2863% | 4,698 |
| Noninterest expense to average assets | 2.3230% | 4,503 |
| Loan and lease loss provision to assets | 0.1250% | 1,984 |
| Net operating income to assets | 1.1769% | 1,583 |
| Return on assets (ROA) | 1.1806% | 1,667 |
| Pretax return on assets | 1.1806% | 2,759 |
| Return on Equity (ROE) | 11.5758% | 1,372 |
| Retained earnings to average equity (ytd only) | 5.5410% | 1,992 |
| Net charge-offs to loans | 0.0346% | 3,339 |
| Credit loss provision to net charge-offs | 462.0690% | 700 |
| Earnings coverage of net charge-offs (x) | 48.1379% | 1,030 |
| Efficiency ratio | 64.0854% | 3,924 |
| Assets per employee ($millions) | 3.8500% | 4,220 |
| Cash dividends to net income (ytd only)* | 52.1327% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 3,193 |
| Loan loss allowance to noncurrent loans | 702.0548% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 4,769 |
| Noncurrent loans to loans | 0.1692% | 4,558 |
| Net loans and leases to total assets | 79.0851% | 1,031 |
| Net loans and leases to deposits | 97.0648% | 904 |
| Net loans and leases to core deposits | 98.6496% | 1,728 |
| Total domestic deposits to total assets | 81.4766% | 4,213 |
| Equity capital to assets | 10.0891% | 3,621 |
| Core capital (leverage) ratio | 10.1553% | 3,294 |
| Tier 1 risk-based capital ratio | 12.2679% | 4,525 |
| Total risk-based capital ratio | 13.4174% | 4,479 |
| Memoranda: | ||
| Average total assets | $107,233,200 | 4,217 |
| Average earning assets | $102,896,200 | 4,139 |
| Average equity | $10,936,600 | 4,432 |
| Average total loans | $83,871,800 | 3,713 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,201 |
| Cost of funding earning assets | 0.5318% | 1,864 |
| Net interest margin | 3.4774% | 3,550 |
| Noninterest income to average assets | 0.2627% | 4,891 |
| Noninterest expense to average assets | 2.3107% | 4,509 |
| Loan and lease loss provision to assets | 0.0672% | 2,875 |
| Net operating income to assets | 1.2226% | 1,551 |
| Return on assets (ROA) | 1.2276% | 1,628 |
| Pretax return on assets | 1.2276% | 2,717 |
| Return on Equity (ROE) | 12.0038% | 1,320 |
| Retained earnings to average equity (ytd only) | 5.9167% | 2,226 |
| Net charge-offs to loans | -0.0032% | 4,542 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1770% | 3,901 |
| Assets per employee ($millions) | 4.0933% | 3,801 |
| Cash dividends to net income (ytd only)* | 50.7101% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 3,330 |
| Loan loss allowance to noncurrent loans | 505.6995% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 4,742 |
| Noncurrent loans to loans | 0.2345% | 4,432 |
| Net loans and leases to total assets | 73.5711% | 1,939 |
| Net loans and leases to deposits | 90.1921% | 1,728 |
| Net loans and leases to core deposits | 91.6334% | 2,428 |
| Total domestic deposits to total assets | 81.5715% | 4,085 |
| Equity capital to assets | 10.1602% | 3,968 |
| Core capital (leverage) ratio | 9.9240% | 3,667 |
| Tier 1 risk-based capital ratio | 12.7920% | 4,280 |
| Total risk-based capital ratio | 13.9460% | 4,253 |
| Memoranda: | ||
| Average total assets | $107,091,750 | 4,263 |
| Average earning assets | $102,795,000 | 4,170 |
| Average equity | $10,951,750 | 4,474 |
| Average total loans | $83,270,250 | 3,751 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 3,064 |
| Cost of funding earning assets | 0.5212% | 1,932 |
| Net interest margin | 3.5285% | 3,376 |
| Noninterest income to average assets | 0.2397% | 5,049 |
| Noninterest expense to average assets | 2.3105% | 4,582 |
| Loan and lease loss provision to assets | 0.0680% | 2,780 |
| Net operating income to assets | 1.2478% | 1,435 |
| Return on assets (ROA) | 1.2553% | 1,526 |
| Pretax return on assets | 1.2553% | 2,588 |
| Return on Equity (ROE) | 12.2475% | 1,227 |
| Retained earnings to average equity (ytd only) | 5.9856% | 2,121 |
| Net charge-offs to loans | -0.0048% | 4,512 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7168% | 4,070 |
| Assets per employee ($millions) | 3.7691% | 4,324 |
| Cash dividends to net income (ytd only)* | 51.1278% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 3,592 |
| Loan loss allowance to noncurrent loans | 622.0779% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 4,929 |
| Noncurrent loans to loans | 0.1862% | 4,686 |
| Net loans and leases to total assets | 77.4407% | 1,265 |
| Net loans and leases to deposits | 98.4603% | 840 |
| Net loans and leases to core deposits | 100.1691% | 1,623 |
| Total domestic deposits to total assets | 78.6516% | 4,861 |
| Equity capital to assets | 10.5586% | 3,571 |
| Core capital (leverage) ratio | 10.2747% | 3,242 |
| Tier 1 risk-based capital ratio | 12.6952% | 4,391 |
| Total risk-based capital ratio | 13.8363% | 4,373 |
| Memoranda: | ||
| Average total assets | $105,949,330 | 4,311 |
| Average earning assets | $101,687,330 | 4,233 |
| Average equity | $10,859,330 | 4,514 |
| Average total loans | $83,598,330 | 3,760 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,068 |
| Cost of funding earning assets | 0.5173% | 1,969 |
| Net interest margin | 3.5229% | 3,378 |
| Noninterest income to average assets | 0.1733% | 5,456 |
| Noninterest expense to average assets | 2.2646% | 4,752 |
| Loan and lease loss provision to assets | 0.0678% | 2,603 |
| Net operating income to assets | 1.2284% | 1,459 |
| Return on assets (ROA) | 1.2284% | 1,572 |
| Pretax return on assets | 1.2284% | 2,585 |
| Return on Equity (ROE) | 12.1670% | 1,267 |
| Retained earnings to average equity (ytd only) | 5.4490% | 2,687 |
| Net charge-offs to loans | -0.0048% | 4,279 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5979% | 4,190 |
| Assets per employee ($millions) | 3.7918% | 4,316 |
| Cash dividends to net income (ytd only)* | 55.2147% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,873 |
| Loan loss allowance to noncurrent loans | 609.7403% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 4,995 |
| Noncurrent loans to loans | 0.1858% | 4,747 |
| Net loans and leases to total assets | 77.2014% | 1,218 |
| Net loans and leases to deposits | 96.2392% | 925 |
| Net loans and leases to core deposits | 97.5715% | 1,667 |
| Total domestic deposits to total assets | 80.2183% | 4,696 |
| Equity capital to assets | 10.2073% | 3,831 |
| Core capital (leverage) ratio | 10.0322% | 3,500 |
| Tier 1 risk-based capital ratio | 12.3732% | 4,673 |
| Total risk-based capital ratio | 13.4820% | 4,666 |
| Memoranda: | ||
| Average total assets | $106,156,500 | 4,343 |
| Average earning assets | $102,074,000 | 4,251 |
| Average equity | $10,717,500 | 4,557 |
| Average total loans | $84,055,000 | 3,755 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 3,347 |
| Cost of funding earning assets | 0.5609% | 1,668 |
| Net interest margin | 3.4298% | 3,798 |
| Noninterest income to average assets | 0.2153% | 5,306 |
| Noninterest expense to average assets | 2.2957% | 4,806 |
| Loan and lease loss provision to assets | 0.0692% | 2,906 |
| Net operating income to assets | 1.1406% | 1,767 |
| Return on assets (ROA) | 1.1945% | 1,641 |
| Pretax return on assets | 1.1945% | 2,678 |
| Return on Equity (ROE) | 12.0076% | 1,297 |
| Retained earnings to average equity (ytd only) | 5.8251% | 1,881 |
| Net charge-offs to loans | 0.0250% | 3,739 |
| Credit loss provision to net charge-offs | 360.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 62.9500% | 842 |
| Efficiency ratio | 65.4879% | 3,988 |
| Assets per employee ($millions) | 3.9313% | 4,060 |
| Cash dividends to net income (ytd only)* | 51.4883% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 4,157 |
| Loan loss allowance to noncurrent loans | 589.7436% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 5,003 |
| Noncurrent loans to loans | 0.1831% | 4,759 |
| Net loans and leases to total assets | 79.4082% | 930 |
| Net loans and leases to deposits | 100.3943% | 647 |
| Net loans and leases to core deposits | 102.1116% | 1,352 |
| Total domestic deposits to total assets | 79.0963% | 4,955 |
| Equity capital to assets | 9.9845% | 3,975 |
| Core capital (leverage) ratio | 9.9387% | 3,599 |
| Tier 1 risk-based capital ratio | 11.6402% | 5,167 |
| Total risk-based capital ratio | 12.6766% | 5,196 |
| Memoranda: | ||
| Average total assets | $104,064,000 | 4,380 |
| Average earning assets | $99,831,800 | 4,297 |
| Average equity | $10,351,800 | 4,589 |
| Average total loans | $79,853,800 | 3,831 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9735% | 3,450 |
| Cost of funding earning assets | 0.5113% | 2,111 |
| Net interest margin | 3.4623% | 3,712 |
| Noninterest income to average assets | 0.1867% | 5,545 |
| Noninterest expense to average assets | 2.2199% | 4,996 |
| Loan and lease loss provision to assets | 0.0682% | 2,814 |
| Net operating income to assets | 1.2207% | 1,583 |
| Return on assets (ROA) | 1.2864% | 1,431 |
| Pretax return on assets | 1.2864% | 2,446 |
| Return on Equity (ROE) | 12.9440% | 1,135 |
| Retained earnings to average equity (ytd only) | 6.7246% | 1,823 |
| Net charge-offs to loans | 0.0017% | 4,124 |
| Credit loss provision to net charge-offs | 5,300.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 1,003.4812% | 73 |
| Efficiency ratio | 63.2661% | 4,371 |
| Assets per employee ($millions) | 3.7630% | 4,334 |
| Cash dividends to net income (ytd only)* | 48.0476% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 3,892 |
| Loan loss allowance to noncurrent loans | 279.6353% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 4,473 |
| Noncurrent loans to loans | 0.4136% | 4,125 |
| Net loans and leases to total assets | 77.3789% | 1,197 |
| Net loans and leases to deposits | 98.6300% | 764 |
| Net loans and leases to core deposits | 100.1057% | 1,506 |
| Total domestic deposits to total assets | 78.4537% | 5,098 |
| Equity capital to assets | 10.3602% | 3,746 |
| Core capital (leverage) ratio | 10.0734% | 3,535 |
| Tier 1 risk-based capital ratio | 12.1292% | 5,007 |
| Total risk-based capital ratio | 13.2178% | 5,020 |
| Memoranda: | ||
| Average total assets | $103,544,000 | 4,438 |
| Average earning assets | $99,354,500 | 4,350 |
| Average equity | $10,290,250 | 4,657 |
| Average total loans | $78,515,500 | 3,906 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 3,619 |
| Cost of funding earning assets | 0.4976% | 2,275 |
| Net interest margin | 3.4213% | 3,826 |
| Noninterest income to average assets | 0.1708% | 5,678 |
| Noninterest expense to average assets | 2.2094% | 5,089 |
| Loan and lease loss provision to assets | 0.0691% | 2,731 |
| Net operating income to assets | 1.1786% | 1,671 |
| Return on assets (ROA) | 1.2650% | 1,470 |
| Pretax return on assets | 1.2650% | 2,490 |
| Return on Equity (ROE) | 12.9068% | 1,135 |
| Retained earnings to average equity (ytd only) | 6.6395% | 1,880 |
| Net charge-offs to loans | 0.0051% | 3,717 |
| Credit loss provision to net charge-offs | 1,800.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 325.0000% | 212 |
| Efficiency ratio | 63.9089% | 4,373 |
| Assets per employee ($millions) | 3.7854% | 4,273 |
| Cash dividends to net income (ytd only)* | 48.5584% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 4,126 |
| Loan loss allowance to noncurrent loans | 626.3889% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 5,297 |
| Noncurrent loans to loans | 0.1823% | 5,047 |
| Net loans and leases to total assets | 76.3910% | 1,316 |
| Net loans and leases to deposits | 95.9590% | 969 |
| Net loans and leases to core deposits | 97.6671% | 1,674 |
| Total domestic deposits to total assets | 79.6081% | 4,953 |
| Equity capital to assets | 10.0257% | 4,009 |
| Core capital (leverage) ratio | 9.9961% | 3,609 |
| Tier 1 risk-based capital ratio | 12.8753% | 4,586 |
| Total risk-based capital ratio | 14.0285% | 4,553 |
| Memoranda: | ||
| Average total assets | $104,192,000 | 4,464 |
| Average earning assets | $100,080,330 | 4,366 |
| Average equity | $10,211,670 | 4,695 |
| Average total loans | $78,175,000 | 3,940 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 3,579 |
| Cost of funding earning assets | 0.4992% | 2,289 |
| Net interest margin | 3.4070% | 3,817 |
| Noninterest income to average assets | 0.1521% | 5,828 |
| Noninterest expense to average assets | 2.1410% | 5,298 |
| Loan and lease loss provision to assets | 0.0646% | 2,640 |
| Net operating income to assets | 1.2169% | 1,499 |
| Return on assets (ROA) | 1.3880% | 1,106 |
| Pretax return on assets | 1.3880% | 1,933 |
| Return on Equity (ROE) | 14.3222% | 818 |
| Retained earnings to average equity (ytd only) | 8.0439% | 1,555 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5556% | 4,695 |
| Assets per employee ($millions) | 3.8898% | 4,182 |
| Cash dividends to net income (ytd only)* | 43.8356% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 4,081 |
| Loan loss allowance to noncurrent loans | 776.3158% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 5,501 |
| Noncurrent loans to loans | 0.1521% | 5,237 |
| Net loans and leases to total assets | 73.2434% | 1,609 |
| Net loans and leases to deposits | 94.1794% | 960 |
| Net loans and leases to core deposits | 96.2325% | 1,599 |
| Total domestic deposits to total assets | 77.7701% | 5,491 |
| Equity capital to assets | 10.2834% | 3,793 |
| Core capital (leverage) ratio | 9.5435% | 4,209 |
| Tier 1 risk-based capital ratio | 13.2916% | 4,440 |
| Total risk-based capital ratio | 14.4755% | 4,402 |
| Memoranda: | ||
| Average total assets | $105,184,500 | 4,475 |
| Average earning assets | $100,969,500 | 4,374 |
| Average equity | $10,194,000 | 4,736 |
| Average total loans | $77,773,000 | 3,968 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 3,890 |
| Cost of funding earning assets | 0.5473% | 2,224 |
| Net interest margin | 3.4093% | 4,162 |
| Noninterest income to average assets | 0.1938% | 5,696 |
| Noninterest expense to average assets | 2.2415% | 5,260 |
| Loan and lease loss provision to assets | 0.1134% | 2,279 |
| Net operating income to assets | 1.1232% | 1,890 |
| Return on assets (ROA) | 1.1900% | 1,686 |
| Pretax return on assets | 1.1900% | 2,688 |
| Return on Equity (ROE) | 12.7133% | 1,204 |
| Retained earnings to average equity (ytd only) | 6.0875% | 1,866 |
| Net charge-offs to loans | 0.0571% | 3,689 |
| Credit loss provision to net charge-offs | 272.0930% | 936 |
| Earnings coverage of net charge-offs (x) | 29.6744% | 1,347 |
| Efficiency ratio | 64.4469% | 4,520 |
| Assets per employee ($millions) | 4.2013% | 3,543 |
| Cash dividends to net income (ytd only)* | 52.1173% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 4,654 |
| Loan loss allowance to noncurrent loans | 333.8462% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 5,068 |
| Noncurrent loans to loans | 0.3226% | 4,683 |
| Net loans and leases to total assets | 72.9794% | 1,760 |
| Net loans and leases to deposits | 91.9513% | 1,293 |
| Net loans and leases to core deposits | 94.0382% | 1,917 |
| Total domestic deposits to total assets | 79.3674% | 5,171 |
| Equity capital to assets | 9.1436% | 5,132 |
| Core capital (leverage) ratio | 9.2108% | 4,665 |
| Tier 1 risk-based capital ratio | 11.7037% | 5,545 |
| Total risk-based capital ratio | 12.7476% | 5,582 |
| Memoranda: | ||
| Average total assets | $103,190,600 | 4,523 |
| Average earning assets | $99,404,600 | 4,405 |
| Average equity | $9,659,200 | 4,826 |
| Average total loans | $75,314,400 | 4,010 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,858 |
| Cost of funding earning assets | 0.5567% | 2,226 |
| Net interest margin | 3.4166% | 4,168 |
| Noninterest income to average assets | 0.1757% | 5,865 |
| Noninterest expense to average assets | 2.2567% | 5,211 |
| Loan and lease loss provision to assets | 0.0944% | 2,478 |
| Net operating income to assets | 1.1159% | 1,966 |
| Return on assets (ROA) | 1.2064% | 1,726 |
| Pretax return on assets | 1.2064% | 2,750 |
| Return on Equity (ROE) | 12.8082% | 1,267 |
| Retained earnings to average equity (ytd only) | 6.1256% | 2,332 |
| Net charge-offs to loans | 0.0324% | 3,839 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | 51.2767% | 960 |
| Efficiency ratio | 65.0908% | 4,356 |
| Assets per employee ($millions) | 4.0110% | 3,855 |
| Cash dividends to net income (ytd only)* | 52.1734% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 4,433 |
| Loan loss allowance to noncurrent loans | 536.7089% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 5,575 |
| Noncurrent loans to loans | 0.2166% | 5,253 |
| Net loans and leases to total assets | 69.1486% | 2,335 |
| Net loans and leases to deposits | 83.9666% | 2,154 |
| Net loans and leases to core deposits | 85.6469% | 2,701 |
| Total domestic deposits to total assets | 82.3525% | 4,359 |
| Equity capital to assets | 9.4019% | 4,916 |
| Core capital (leverage) ratio | 9.2772% | 4,669 |
| Tier 1 risk-based capital ratio | 12.6431% | 5,069 |
| Total risk-based capital ratio | 13.7619% | 5,097 |
| Memoranda: | ||
| Average total assets | $101,679,500 | 4,609 |
| Average earning assets | $97,949,750 | 4,498 |
| Average equity | $9,577,000 | 4,879 |
| Average total loans | $73,996,250 | 4,088 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 3,782 |
| Cost of funding earning assets | 0.5589% | 2,273 |
| Net interest margin | 3.4278% | 4,069 |
| Noninterest income to average assets | 0.1786% | 5,880 |
| Noninterest expense to average assets | 2.2676% | 5,235 |
| Loan and lease loss provision to assets | 0.1071% | 2,223 |
| Net operating income to assets | 1.1011% | 1,936 |
| Return on assets (ROA) | 1.2380% | 1,545 |
| Pretax return on assets | 1.2380% | 2,511 |
| Return on Equity (ROE) | 13.1355% | 1,139 |
| Retained earnings to average equity (ytd only) | 6.3993% | 2,091 |
| Net charge-offs to loans | 0.0484% | 3,282 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 33.8333% | 1,175 |
| Efficiency ratio | 65.2397% | 4,479 |
| Assets per employee ($millions) | 3.6968% | 4,456 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 4,767 |
| Loan loss allowance to noncurrent loans | 518.7500% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 5,672 |
| Noncurrent loans to loans | 0.2179% | 5,355 |
| Net loans and leases to total assets | 72.7483% | 1,614 |
| Net loans and leases to deposits | 91.7480% | 1,180 |
| Net loans and leases to core deposits | 93.4386% | 1,827 |
| Total domestic deposits to total assets | 79.2915% | 5,389 |
| Equity capital to assets | 9.8413% | 4,303 |
| Core capital (leverage) ratio | 9.5230% | 4,297 |
| Tier 1 risk-based capital ratio | 12.5769% | 5,176 |
| Total risk-based capital ratio | 13.6819% | 5,196 |
| Memoranda: | ||
| Average total assets | $100,810,330 | 4,669 |
| Average earning assets | $96,971,670 | 4,557 |
| Average equity | $9,501,000 | 4,910 |
| Average total loans | $74,341,330 | 4,094 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9806% | 3,767 |
| Cost of funding earning assets | 0.5488% | 2,430 |
| Net interest margin | 3.4319% | 3,976 |
| Noninterest income to average assets | 0.1777% | 5,901 |
| Noninterest expense to average assets | 2.2269% | 5,393 |
| Loan and lease loss provision to assets | 0.1421% | 1,712 |
| Net operating income to assets | 1.1174% | 1,741 |
| Return on assets (ROA) | 1.3898% | 1,048 |
| Pretax return on assets | 1.3898% | 1,787 |
| Return on Equity (ROE) | 15.0749% | 764 |
| Retained earnings to average equity (ytd only) | 8.2227% | 1,523 |
| Net charge-offs to loans | 0.0963% | 2,204 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 17.7222% | 1,448 |
| Efficiency ratio | 63.8732% | 4,876 |
| Assets per employee ($millions) | 3.9717% | 4,001 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,138 |
| Loan loss allowance to noncurrent loans | 504.3478% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 5,752 |
| Noncurrent loans to loans | 0.2173% | 5,443 |
| Net loans and leases to total assets | 73.7935% | 1,304 |
| Net loans and leases to deposits | 93.9806% | 797 |
| Net loans and leases to core deposits | 95.7215% | 1,403 |
| Total domestic deposits to total assets | 78.5199% | 5,751 |
| Equity capital to assets | 9.5687% | 4,407 |
| Core capital (leverage) ratio | 9.3517% | 4,500 |
| Tier 1 risk-based capital ratio | 12.4140% | 5,360 |
| Total risk-based capital ratio | 13.4940% | 5,410 |
| Memoranda: | ||
| Average total assets | $101,308,500 | 4,699 |
| Average earning assets | $97,673,000 | 4,581 |
| Average equity | $9,340,000 | 4,967 |
| Average total loans | $74,790,500 | 4,109 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 3,523 |
| Cost of funding earning assets | 0.5650% | 2,973 |
| Net interest margin | 3.5895% | 3,508 |
| Noninterest income to average assets | 0.2193% | 5,765 |
| Noninterest expense to average assets | 2.3506% | 5,233 |
| Loan and lease loss provision to assets | 0.1236% | 2,766 |
| Net operating income to assets | 1.1923% | 1,599 |
| Return on assets (ROA) | 1.1923% | 1,667 |
| Pretax return on assets | 1.1923% | 2,606 |
| Return on Equity (ROE) | 12.6963% | 1,233 |
| Retained earnings to average equity (ytd only) | 5.6793% | 2,169 |
| Net charge-offs to loans | 0.0056% | 5,354 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 319.5000% | 140 |
| Efficiency ratio | 64.1112% | 4,875 |
| Assets per employee ($millions) | 3.8269% | 4,209 |
| Cash dividends to net income (ytd only)* | 55.2677% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 5,340 |
| Loan loss allowance to noncurrent loans | 596.9925% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 5,933 |
| Noncurrent loans to loans | 0.1762% | 5,672 |
| Net loans and leases to total assets | 72.3000% | 1,640 |
| Net loans and leases to deposits | 88.5664% | 1,404 |
| Net loans and leases to core deposits | 90.0786% | 2,012 |
| Total domestic deposits to total assets | 81.6337% | 4,997 |
| Equity capital to assets | 8.8836% | 5,165 |
| Core capital (leverage) ratio | 9.2162% | 4,697 |
| Tier 1 risk-based capital ratio | 11.3383% | 6,004 |
| Total risk-based capital ratio | 12.3230% | 6,078 |
| Memoranda: | ||
| Average total assets | $97,123,800 | 4,813 |
| Average earning assets | $93,272,800 | 4,695 |
| Average equity | $9,120,800 | 5,054 |
| Average total loans | $71,505,200 | 4,205 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 3,401 |
| Cost of funding earning assets | 0.5711% | 3,079 |
| Net interest margin | 3.6242% | 3,342 |
| Noninterest income to average assets | 0.2079% | 5,930 |
| Noninterest expense to average assets | 2.3088% | 5,308 |
| Loan and lease loss provision to assets | 0.1256% | 2,725 |
| Net operating income to assets | 1.2528% | 1,479 |
| Return on assets (ROA) | 1.2528% | 1,549 |
| Pretax return on assets | 1.2528% | 2,501 |
| Return on Equity (ROE) | 13.1481% | 1,208 |
| Retained earnings to average equity (ytd only) | 6.1202% | 2,333 |
| Net charge-offs to loans | 0.0076% | 5,015 |
| Credit loss provision to net charge-offs | 2,250.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 247.1482% | 240 |
| Efficiency ratio | 62.6182% | 5,047 |
| Assets per employee ($millions) | 3.5356% | 4,775 |
| Cash dividends to net income (ytd only)* | 53.4519% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,378 |
| Loan loss allowance to noncurrent loans | 229.4294% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 5,361 |
| Noncurrent loans to loans | 0.4739% | 5,011 |
| Net loans and leases to total assets | 72.8088% | 1,481 |
| Net loans and leases to deposits | 92.0461% | 978 |
| Net loans and leases to core deposits | 93.8204% | 1,590 |
| Total domestic deposits to total assets | 79.1004% | 5,727 |
| Equity capital to assets | 9.5400% | 4,500 |
| Core capital (leverage) ratio | 9.5607% | 4,314 |
| Tier 1 risk-based capital ratio | 12.0460% | 5,758 |
| Total risk-based capital ratio | 13.0635% | 5,844 |
| Memoranda: | ||
| Average total assets | $95,573,500 | 4,892 |
| Average earning assets | $91,750,500 | 4,773 |
| Average equity | $9,106,250 | 5,112 |
| Average total loans | $70,507,000 | 4,283 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 3,354 |
| Cost of funding earning assets | 0.5787% | 3,139 |
| Net interest margin | 3.6248% | 3,264 |
| Noninterest income to average assets | 0.2301% | 5,801 |
| Noninterest expense to average assets | 2.2926% | 5,391 |
| Loan and lease loss provision to assets | 0.1255% | 2,753 |
| Net operating income to assets | 1.2969% | 1,328 |
| Return on assets (ROA) | 1.2969% | 1,418 |
| Pretax return on assets | 1.2969% | 2,311 |
| Return on Equity (ROE) | 13.6174% | 1,097 |
| Retained earnings to average equity (ytd only) | 6.5891% | 2,096 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7117% | 5,211 |
| Assets per employee ($millions) | 3.3879% | 5,096 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 5,570 |
| Loan loss allowance to noncurrent loans | 241.1765% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 5,510 |
| Noncurrent loans to loans | 0.4402% | 5,162 |
| Net loans and leases to total assets | 72.5071% | 1,482 |
| Net loans and leases to deposits | 87.6884% | 1,381 |
| Net loans and leases to core deposits | 88.7325% | 2,033 |
| Total domestic deposits to total assets | 82.6873% | 4,816 |
| Equity capital to assets | 9.2894% | 4,873 |
| Core capital (leverage) ratio | 9.4045% | 4,386 |
| Tier 1 risk-based capital ratio | 12.0341% | 5,780 |
| Total risk-based capital ratio | 13.0292% | 5,880 |
| Memoranda: | ||
| Average total assets | $95,611,000 | 4,921 |
| Average earning assets | $91,922,330 | 4,796 |
| Average equity | $9,106,000 | 5,149 |
| Average total loans | $70,586,670 | 4,292 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 3,211 |
| Cost of funding earning assets | 0.5881% | 3,231 |
| Net interest margin | 3.6327% | 3,128 |
| Noninterest income to average assets | 0.2459% | 5,701 |
| Noninterest expense to average assets | 2.2628% | 5,527 |
| Loan and lease loss provision to assets | 0.1250% | 2,669 |
| Net operating income to assets | 1.3585% | 1,129 |
| Return on assets (ROA) | 1.3585% | 1,221 |
| Pretax return on assets | 1.3585% | 2,013 |
| Return on Equity (ROE) | 14.0927% | 945 |
| Retained earnings to average equity (ytd only) | 7.1761% | 2,079 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4004% | 5,533 |
| Assets per employee ($millions) | 3.6485% | 4,680 |
| Cash dividends to net income (ytd only)* | 49.0798% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 5,958 |
| Loan loss allowance to noncurrent loans | 268.1818% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 5,734 |
| Noncurrent loans to loans | 0.3757% | 5,465 |
| Net loans and leases to total assets | 73.3255% | 1,165 |
| Net loans and leases to deposits | 89.1415% | 1,035 |
| Net loans and leases to core deposits | 90.2062% | 1,679 |
| Total domestic deposits to total assets | 82.2574% | 5,112 |
| Equity capital to assets | 9.7573% | 4,485 |
| Core capital (leverage) ratio | 9.1535% | 4,632 |
| Tier 1 risk-based capital ratio | 11.7755% | 6,045 |
| Total risk-based capital ratio | 12.7239% | 6,174 |
| Memoranda: | ||
| Average total assets | $95,986,000 | 4,951 |
| Average earning assets | $92,493,500 | 4,835 |
| Average equity | $9,253,000 | 5,170 |
| Average total loans | $71,120,500 | 4,305 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 3,343 |
| Cost of funding earning assets | 0.8815% | 2,062 |
| Net interest margin | 3.6322% | 3,952 |
| Noninterest income to average assets | 0.3065% | 5,254 |
| Noninterest expense to average assets | 2.3231% | 5,627 |
| Loan and lease loss provision to assets | 0.1421% | 3,828 |
| Net operating income to assets | 1.3095% | 1,277 |
| Return on assets (ROA) | 1.3095% | 1,415 |
| Pretax return on assets | 1.3095% | 2,363 |
| Return on Equity (ROE) | 13.5377% | 1,098 |
| Retained earnings to average equity (ytd only) | 6.2499% | 1,949 |
| Net charge-offs to loans | 0.0101% | 5,792 |
| Credit loss provision to net charge-offs | 1,900.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 194.1429% | 218 |
| Efficiency ratio | 61.5450% | 5,308 |
| Assets per employee ($millions) | 3.5967% | 4,789 |
| Cash dividends to net income (ytd only)* | 53.8336% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 6,154 |
| Loan loss allowance to noncurrent loans | 252.0446% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 5,859 |
| Noncurrent loans to loans | 0.3737% | 5,559 |
| Net loans and leases to total assets | 73.4188% | 1,273 |
| Net loans and leases to deposits | 87.6994% | 1,312 |
| Net loans and leases to core deposits | 88.7021% | 2,006 |
| Total domestic deposits to total assets | 83.7164% | 4,432 |
| Equity capital to assets | 9.5253% | 4,839 |
| Core capital (leverage) ratio | 9.1057% | 4,731 |
| Tier 1 risk-based capital ratio | 11.3081% | 6,209 |
| Total risk-based capital ratio | 12.1970% | 6,330 |
| Memoranda: | ||
| Average total assets | $93,624,600 | 4,992 |
| Average earning assets | $89,394,200 | 4,887 |
| Average equity | $9,056,200 | 5,207 |
| Average total loans | $69,024,600 | 4,387 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 3,334 |
| Cost of funding earning assets | 0.7745% | 3,154 |
| Net interest margin | 3.7954% | 3,352 |
| Noninterest income to average assets | 0.3177% | 5,243 |
| Noninterest expense to average assets | 2.3373% | 5,579 |
| Loan and lease loss provision to assets | 0.1394% | 3,789 |
| Net operating income to assets | 1.4619% | 1,097 |
| Return on assets (ROA) | 1.4619% | 1,220 |
| Pretax return on assets | 1.4619% | 2,032 |
| Return on Equity (ROE) | 15.0534% | 892 |
| Retained earnings to average equity (ytd only) | 7.6525% | 1,776 |
| Net charge-offs to loans | 0.0019% | 5,750 |
| Credit loss provision to net charge-offs | 9,700.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 1,116.7669% | 34 |
| Efficiency ratio | 59.3431% | 5,606 |
| Assets per employee ($millions) | 3.5585% | 4,831 |
| Cash dividends to net income (ytd only)* | 49.1641% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 6,240 |
| Loan loss allowance to noncurrent loans | 207.0288% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 5,842 |
| Noncurrent loans to loans | 0.4600% | 5,526 |
| Net loans and leases to total assets | 72.8426% | 1,418 |
| Net loans and leases to deposits | 89.8754% | 1,158 |
| Net loans and leases to core deposits | 91.0545% | 1,867 |
| Total domestic deposits to total assets | 81.0484% | 5,337 |
| Equity capital to assets | 10.1773% | 4,236 |
| Core capital (leverage) ratio | 9.2572% | 4,668 |
| Tier 1 risk-based capital ratio | 11.8464% | 6,029 |
| Total risk-based capital ratio | 12.7416% | 6,201 |
| Memoranda: | ||
| Average total assets | $92,753,250 | 5,059 |
| Average earning assets | $88,490,750 | 4,960 |
| Average equity | $9,007,750 | 5,268 |
| Average total loans | $68,287,000 | 4,458 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 3,417 |
| Cost of funding earning assets | 0.8010% | 3,180 |
| Net interest margin | 3.7884% | 3,419 |
| Noninterest income to average assets | 0.2930% | 5,459 |
| Noninterest expense to average assets | 2.3354% | 5,650 |
| Loan and lease loss provision to assets | 0.1422% | 3,739 |
| Net operating income to assets | 1.4327% | 1,121 |
| Return on assets (ROA) | 1.4327% | 1,257 |
| Pretax return on assets | 1.4327% | 2,077 |
| Return on Equity (ROE) | 14.9915% | 942 |
| Retained earnings to average equity (ytd only) | 7.3267% | 1,942 |
| Net charge-offs to loans | 0.0029% | 5,476 |
| Credit loss provision to net charge-offs | 6,600.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 731.0000% | 46 |
| Efficiency ratio | 59.7245% | 5,621 |
| Assets per employee ($millions) | 3.4351% | 5,130 |
| Cash dividends to net income (ytd only)* | 51.1278% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 6,402 |
| Loan loss allowance to noncurrent loans | 207.7441% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 5,963 |
| Noncurrent loans to loans | 0.4445% | 5,650 |
| Net loans and leases to total assets | 71.3808% | 1,660 |
| Net loans and leases to deposits | 87.0420% | 1,470 |
| Net loans and leases to core deposits | 89.3612% | 2,052 |
| Total domestic deposits to total assets | 82.0074% | 5,128 |
| Equity capital to assets | 9.7769% | 4,657 |
| Core capital (leverage) ratio | 9.0589% | 4,823 |
| Tier 1 risk-based capital ratio | 11.7111% | 6,101 |
| Total risk-based capital ratio | 12.5730% | 6,305 |
| Memoranda: | ||
| Average total assets | $92,831,000 | 5,097 |
| Average earning assets | $88,638,330 | 4,975 |
| Average equity | $8,871,670 | 5,300 |
| Average total loans | $68,368,670 | 4,475 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6635% | 3,194 |
| Cost of funding earning assets | 0.8405% | 3,144 |
| Net interest margin | 3.8230% | 3,278 |
| Noninterest income to average assets | 0.2929% | 5,525 |
| Noninterest expense to average assets | 2.3086% | 5,745 |
| Loan and lease loss provision to assets | 0.1594% | 3,387 |
| Net operating income to assets | 1.4687% | 1,086 |
| Return on assets (ROA) | 1.4687% | 1,215 |
| Pretax return on assets | 1.4687% | 1,968 |
| Return on Equity (ROE) | 15.5468% | 876 |
| Retained earnings to average equity (ytd only) | 7.3403% | 2,261 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6433% | 5,828 |
| Assets per employee ($millions) | 3.5822% | 4,931 |
| Cash dividends to net income (ytd only)* | 52.7859% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 6,631 |
| Loan loss allowance to noncurrent loans | 193.1148% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 6,062 |
| Noncurrent loans to loans | 0.4425% | 5,787 |
| Net loans and leases to total assets | 73.3658% | 1,160 |
| Net loans and leases to deposits | 89.9647% | 966 |
| Net loans and leases to core deposits | 91.9155% | 1,658 |
| Total domestic deposits to total assets | 81.5496% | 5,445 |
| Equity capital to assets | 9.4722% | 4,850 |
| Core capital (leverage) ratio | 8.8032% | 5,125 |
| Tier 1 risk-based capital ratio | 11.2469% | 6,420 |
| Total risk-based capital ratio | 12.0528% | 6,607 |
| Memoranda: | ||
| Average total assets | $92,872,000 | 5,129 |
| Average earning assets | $88,517,500 | 5,007 |
| Average equity | $8,773,500 | 5,342 |
| Average total loans | $69,142,000 | 4,474 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8110% | 3,758 |
| Cost of funding earning assets | 1.0541% | 2,990 |
| Net interest margin | 3.7569% | 4,042 |
| Noninterest income to average assets | 0.2507% | 5,737 |
| Noninterest expense to average assets | 2.4604% | 5,596 |
| Loan and lease loss provision to assets | 0.2429% | 3,778 |
| Net operating income to assets | 1.1183% | 1,763 |
| Return on assets (ROA) | 1.1462% | 1,791 |
| Pretax return on assets | 1.1462% | 2,670 |
| Return on Equity (ROE) | 12.2418% | 1,347 |
| Retained earnings to average equity (ytd only) | 5.0689% | 2,585 |
| Net charge-offs to loans | 0.2447% | 4,251 |
| Credit loss provision to net charge-offs | 133.1288% | 2,284 |
| Earnings coverage of net charge-offs (x) | 7.4601% | 2,332 |
| Efficiency ratio | 64.3820% | 5,057 |
| Assets per employee ($millions) | 3.5618% | 4,866 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 6,753 |
| Loan loss allowance to noncurrent loans | 189.0411% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 6,186 |
| Noncurrent loans to loans | 0.4210% | 5,869 |
| Net loans and leases to total assets | 74.3057% | 1,214 |
| Net loans and leases to deposits | 93.5582% | 839 |
| Net loans and leases to core deposits | 95.3168% | 1,561 |
| Total domestic deposits to total assets | 79.4219% | 5,887 |
| Equity capital to assets | 9.4214% | 5,002 |
| Core capital (leverage) ratio | 8.7433% | 5,186 |
| Tier 1 risk-based capital ratio | 10.9850% | 6,465 |
| Total risk-based capital ratio | 11.7374% | 6,670 |
| Memoranda: | ||
| Average total assets | $89,335,000 | 5,203 |
| Average earning assets | $84,909,800 | 5,090 |
| Average equity | $8,364,800 | 5,457 |
| Average total loans | $66,622,200 | 4,606 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 3,876 |
| Cost of funding earning assets | 1.0377% | 3,408 |
| Net interest margin | 3.7936% | 3,903 |
| Noninterest income to average assets | 0.2470% | 5,850 |
| Noninterest expense to average assets | 2.4628% | 5,582 |
| Loan and lease loss provision to assets | 0.1401% | 4,687 |
| Net operating income to assets | 1.2457% | 1,530 |
| Return on assets (ROA) | 1.2833% | 1,522 |
| Pretax return on assets | 1.2833% | 2,350 |
| Return on Equity (ROE) | 13.7281% | 1,101 |
| Retained earnings to average equity (ytd only) | 6.3162% | 2,358 |
| Net charge-offs to loans | 0.1840% | 4,325 |
| Credit loss provision to net charge-offs | 102.1978% | 3,269 |
| Earnings coverage of net charge-offs (x) | 10.1099% | 1,971 |
| Efficiency ratio | 63.9922% | 5,069 |
| Assets per employee ($millions) | 3.4572% | 5,103 |
| Cash dividends to net income (ytd only)* | 53.9909% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 6,861 |
| Loan loss allowance to noncurrent loans | 141.6431% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 6,091 |
| Noncurrent loans to loans | 0.5442% | 5,775 |
| Net loans and leases to total assets | 71.6110% | 1,792 |
| Net loans and leases to deposits | 90.8384% | 1,125 |
| Net loans and leases to core deposits | 93.2222% | 1,856 |
| Total domestic deposits to total assets | 78.8334% | 6,022 |
| Equity capital to assets | 9.7578% | 4,690 |
| Core capital (leverage) ratio | 8.9172% | 5,073 |
| Tier 1 risk-based capital ratio | 11.5338% | 6,224 |
| Total risk-based capital ratio | 12.2522% | 6,522 |
| Memoranda: | ||
| Average total assets | $88,516,750 | 5,257 |
| Average earning assets | $84,033,250 | 5,157 |
| Average equity | $8,274,750 | 5,517 |
| Average total loans | $65,936,500 | 4,675 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8353% | 3,930 |
| Cost of funding earning assets | 1.0543% | 3,572 |
| Net interest margin | 3.7810% | 3,886 |
| Noninterest income to average assets | 0.2294% | 6,019 |
| Noninterest expense to average assets | 2.4756% | 5,624 |
| Loan and lease loss provision to assets | 0.0954% | 5,136 |
| Net operating income to assets | 1.2423% | 1,456 |
| Return on assets (ROA) | 1.2991% | 1,395 |
| Pretax return on assets | 1.2991% | 2,139 |
| Return on Equity (ROE) | 14.1072% | 957 |
| Retained earnings to average equity (ytd only) | 6.7083% | 2,014 |
| Net charge-offs to loans | 0.1327% | 4,416 |
| Credit loss provision to net charge-offs | 95.4545% | 3,292 |
| Earnings coverage of net charge-offs (x) | 13.3864% | 1,553 |
| Efficiency ratio | 64.9196% | 5,076 |
| Assets per employee ($millions) | 3.2656% | 5,493 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 6,898 |
| Loan loss allowance to noncurrent loans | 137.0166% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 5,711 |
| Noncurrent loans to loans | 0.5729% | 5,780 |
| Net loans and leases to total assets | 71.1001% | 1,980 |
| Net loans and leases to deposits | 89.0191% | 1,373 |
| Net loans and leases to core deposits | 90.7694% | 2,286 |
| Total domestic deposits to total assets | 79.8707% | 5,855 |
| Equity capital to assets | 9.5792% | 4,690 |
| Core capital (leverage) ratio | 8.8840% | 4,907 |
| Tier 1 risk-based capital ratio | 11.6484% | 6,055 |
| Total risk-based capital ratio | 12.3790% | 6,425 |
| Memoranda: | ||
| Average total assets | $88,060,000 | 5,310 |
| Average earning assets | $83,469,000 | 5,213 |
| Average equity | $8,109,330 | 5,577 |
| Average total loans | $66,292,330 | 4,717 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7797% | 4,151 |
| Cost of funding earning assets | 1.0691% | 3,725 |
| Net interest margin | 3.7106% | 4,041 |
| Noninterest income to average assets | 0.2364% | 6,021 |
| Noninterest expense to average assets | 2.4590% | 5,710 |
| Loan and lease loss provision to assets | 0.0954% | 4,819 |
| Net operating income to assets | 1.1999% | 1,520 |
| Return on assets (ROA) | 1.2545% | 1,430 |
| Pretax return on assets | 1.2545% | 2,183 |
| Return on Equity (ROE) | 13.9025% | 1,008 |
| Retained earnings to average equity (ytd only) | 6.8505% | 2,213 |
| Net charge-offs to loans | 0.2594% | 3,031 |
| Credit loss provision to net charge-offs | 47.7273% | 3,804 |
| Earnings coverage of net charge-offs (x) | 6.4773% | 2,095 |
| Efficiency ratio | 65.4964% | 5,126 |
| Assets per employee ($millions) | 3.2896% | 5,505 |
| Cash dividends to net income (ytd only)* | 50.7246% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 7,032 |
| Loan loss allowance to noncurrent loans | 130.1370% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 5,769 |
| Noncurrent loans to loans | 0.5641% | 5,896 |
| Net loans and leases to total assets | 72.3204% | 1,653 |
| Net loans and leases to deposits | 89.6336% | 1,273 |
| Net loans and leases to core deposits | 91.6216% | 2,166 |
| Total domestic deposits to total assets | 80.6845% | 5,755 |
| Equity capital to assets | 9.0261% | 5,164 |
| Core capital (leverage) ratio | 8.7689% | 4,973 |
| Tier 1 risk-based capital ratio | 11.1339% | 6,411 |
| Total risk-based capital ratio | 11.8143% | 6,764 |
| Memoranda: | ||
| Average total assets | $88,005,000 | 5,354 |
| Average earning assets | $83,436,000 | 5,254 |
| Average equity | $7,941,000 | 5,630 |
| Average total loans | $67,846,000 | 4,692 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1025% | 4,086 |
| Cost of funding earning assets | 1.2224% | 4,409 |
| Net interest margin | 3.8801% | 3,591 |
| Noninterest income to average assets | 0.2459% | 6,038 |
| Noninterest expense to average assets | 2.6549% | 5,194 |
| Loan and lease loss provision to assets | 0.1603% | 5,605 |
| Net operating income to assets | 1.1084% | 1,683 |
| Return on assets (ROA) | 1.1084% | 1,756 |
| Pretax return on assets | 1.1084% | 2,540 |
| Return on Equity (ROE) | 11.5588% | 1,432 |
| Retained earnings to average equity (ytd only) | 3.6488% | 3,308 |
| Net charge-offs to loans | 0.0810% | 6,016 |
| Credit loss provision to net charge-offs | 256.8627% | 1,102 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,010 |
| Efficiency ratio | 67.6645% | 4,633 |
| Assets per employee ($millions) | 3.2293% | 5,597 |
| Cash dividends to net income (ytd only)* | 68.4327% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 7,135 |
| Loan loss allowance to noncurrent loans | 106.1834% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 5,957 |
| Noncurrent loans to loans | 0.6607% | 5,726 |
| Net loans and leases to total assets | 80.8395% | 560 |
| Net loans and leases to deposits | 105.3447% | 348 |
| Net loans and leases to core deposits | 108.7213% | 1,004 |
| Total domestic deposits to total assets | 76.7382% | 6,525 |
| Equity capital to assets | 9.0205% | 5,113 |
| Core capital (leverage) ratio | 9.0320% | 4,483 |
| Tier 1 risk-based capital ratio | 10.3463% | 6,796 |
| Total risk-based capital ratio | 11.0211% | 7,061 |
| Memoranda: | ||
| Average total assets | $81,736,800 | 5,543 |
| Average earning assets | $77,471,800 | 5,433 |
| Average equity | $7,838,200 | 5,768 |
| Average total loans | $62,940,800 | 4,953 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1423% | 4,109 |
| Cost of funding earning assets | 1.2519% | 4,564 |
| Net interest margin | 3.8904% | 3,571 |
| Noninterest income to average assets | 0.2405% | 6,171 |
| Noninterest expense to average assets | 2.6592% | 5,068 |
| Loan and lease loss provision to assets | 0.1161% | 5,865 |
| Net operating income to assets | 1.1513% | 1,729 |
| Return on assets (ROA) | 1.1513% | 1,832 |
| Pretax return on assets | 1.1513% | 2,667 |
| Return on Equity (ROE) | 11.8152% | 1,556 |
| Retained earnings to average equity (ytd only) | 3.3028% | 4,124 |
| Net charge-offs to loans | 0.0241% | 6,341 |
| Credit loss provision to net charge-offs | 636.3636% | 464 |
| Earnings coverage of net charge-offs (x) | 69.4369% | 435 |
| Efficiency ratio | 67.7229% | 4,524 |
| Assets per employee ($millions) | 3.2060% | 5,667 |
| Cash dividends to net income (ytd only)* | 72.0461% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 7,125 |
| Loan loss allowance to noncurrent loans | 78.0687% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 5,642 |
| Noncurrent loans to loans | 0.9505% | 5,333 |
| Net loans and leases to total assets | 76.5461% | 1,303 |
| Net loans and leases to deposits | 95.3409% | 1,061 |
| Net loans and leases to core deposits | 99.7795% | 1,870 |
| Total domestic deposits to total assets | 80.2867% | 5,614 |
| Equity capital to assets | 9.5903% | 4,711 |
| Core capital (leverage) ratio | 9.2372% | 4,301 |
| Tier 1 risk-based capital ratio | 11.0977% | 6,284 |
| Total risk-based capital ratio | 11.7995% | 6,724 |
| Memoranda: | ||
| Average total assets | $80,373,500 | 5,654 |
| Average earning assets | $76,151,250 | 5,542 |
| Average equity | $7,831,500 | 5,848 |
| Average total loans | $60,930,500 | 5,106 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 4,062 |
| Cost of funding earning assets | 1.2854% | 4,622 |
| Net interest margin | 3.8907% | 3,488 |
| Noninterest income to average assets | 0.2368% | 6,210 |
| Noninterest expense to average assets | 2.6606% | 5,077 |
| Loan and lease loss provision to assets | 0.1159% | 5,742 |
| Net operating income to assets | 1.1439% | 1,712 |
| Return on assets (ROA) | 1.1439% | 1,780 |
| Pretax return on assets | 1.1439% | 2,612 |
| Return on Equity (ROE) | 11.6750% | 1,534 |
| Retained earnings to average equity (ytd only) | 2.9316% | 4,263 |
| Net charge-offs to loans | 0.0267% | 5,958 |
| Credit loss provision to net charge-offs | 575.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 495 |
| Efficiency ratio | 67.8663% | 4,609 |
| Assets per employee ($millions) | 2.9703% | 6,198 |
| Cash dividends to net income (ytd only)* | 74.8899% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 7,112 |
| Loan loss allowance to noncurrent loans | 86.3636% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 5,850 |
| Noncurrent loans to loans | 0.8842% | 5,502 |
| Net loans and leases to total assets | 73.8881% | 1,933 |
| Net loans and leases to deposits | 90.5695% | 1,759 |
| Net loans and leases to core deposits | 94.8035% | 2,604 |
| Total domestic deposits to total assets | 81.5816% | 5,163 |
| Equity capital to assets | 9.8021% | 4,261 |
| Core capital (leverage) ratio | 9.3042% | 4,114 |
| Tier 1 risk-based capital ratio | 11.6603% | 5,617 |
| Total risk-based capital ratio | 12.3727% | 6,104 |
| Memoranda: | ||
| Average total assets | $79,379,670 | 5,715 |
| Average earning assets | $75,153,330 | 5,599 |
| Average equity | $7,777,330 | 5,878 |
| Average total loans | $59,813,330 | 5,183 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1718% | 4,186 |
| Cost of funding earning assets | 1.3036% | 4,791 |
| Net interest margin | 3.8682% | 3,468 |
| Noninterest income to average assets | 0.2634% | 6,046 |
| Noninterest expense to average assets | 2.6643% | 5,088 |
| Loan and lease loss provision to assets | 0.1013% | 5,616 |
| Net operating income to assets | 1.1650% | 1,633 |
| Return on assets (ROA) | 1.1650% | 1,709 |
| Pretax return on assets | 1.1650% | 2,493 |
| Return on Equity (ROE) | 11.8932% | 1,528 |
| Retained earnings to average equity (ytd only) | 3.6197% | 3,983 |
| Net charge-offs to loans | 0.0200% | 5,307 |
| Credit loss provision to net charge-offs | 666.6667% | 658 |
| Earnings coverage of net charge-offs (x) | 83.3333% | 380 |
| Efficiency ratio | 67.7835% | 4,764 |
| Assets per employee ($millions) | 2.9275% | 6,385 |
| Cash dividends to net income (ytd only)* | 69.5652% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 7,261 |
| Loan loss allowance to noncurrent loans | 87.1743% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 5,941 |
| Noncurrent loans to loans | 0.8540% | 5,604 |
| Net loans and leases to total assets | 73.3715% | 2,112 |
| Net loans and leases to deposits | 88.4259% | 2,152 |
| Net loans and leases to core deposits | 93.2021% | 2,949 |
| Total domestic deposits to total assets | 82.9751% | 4,638 |
| Equity capital to assets | 9.8326% | 4,073 |
| Core capital (leverage) ratio | 9.5067% | 3,754 |
| Tier 1 risk-based capital ratio | 11.8583% | 5,337 |
| Total risk-based capital ratio | 12.5535% | 5,816 |
| Memoranda: | ||
| Average total assets | $78,971,000 | 5,798 |
| Average earning assets | $74,867,500 | 5,673 |
| Average equity | $7,735,500 | 5,932 |
| Average total loans | $59,864,000 | 5,256 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 4,466 |
| Cost of funding earning assets | 1.6673% | 4,689 |
| Net interest margin | 3.7775% | 3,811 |
| Noninterest income to average assets | 0.2510% | 6,310 |
| Noninterest expense to average assets | 2.5694% | 5,896 |
| Loan and lease loss provision to assets | 0.1695% | 5,992 |
| Net operating income to assets | 1.1088% | 1,487 |
| Return on assets (ROA) | 1.1088% | 1,521 |
| Pretax return on assets | 1.1088% | 2,220 |
| Return on Equity (ROE) | 11.4048% | 1,319 |
| Retained earnings to average equity (ytd only) | 3.4201% | 2,774 |
| Net charge-offs to loans | 0.1990% | 5,404 |
| Credit loss provision to net charge-offs | 114.9123% | 4,756 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 1,912 |
| Efficiency ratio | 66.7787% | 5,230 |
| Assets per employee ($millions) | 2.9222% | 6,404 |
| Cash dividends to net income (ytd only)* | 70.0117% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 7,411 |
| Loan loss allowance to noncurrent loans | 67.8571% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7807% | 5,545 |
| Noncurrent loans to loans | 1.0049% | 5,307 |
| Net loans and leases to total assets | 77.1619% | 1,556 |
| Net loans and leases to deposits | 92.9026% | 1,750 |
| Net loans and leases to core deposits | 112.4949% | 2,645 |
| Total domestic deposits to total assets | 83.0568% | 4,498 |
| Equity capital to assets | 9.7580% | 4,053 |
| Core capital (leverage) ratio | 9.3809% | 3,856 |
| Tier 1 risk-based capital ratio | 11.3586% | 5,557 |
| Total risk-based capital ratio | 12.0046% | 6,123 |
| Memoranda: | ||
| Average total assets | $77,294,000 | 5,799 |
| Average earning assets | $73,593,800 | 5,699 |
| Average equity | $7,514,400 | 6,083 |
| Average total loans | $57,297,800 | 5,372 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4558% | 4,656 |
| Cost of funding earning assets | 1.7598% | 4,593 |
| Net interest margin | 3.6960% | 4,091 |
| Noninterest income to average assets | 0.2566% | 6,401 |
| Noninterest expense to average assets | 2.5750% | 5,806 |
| Loan and lease loss provision to assets | 0.0156% | 7,183 |
| Net operating income to assets | 1.1912% | 1,486 |
| Return on assets (ROA) | 1.1912% | 1,542 |
| Pretax return on assets | 1.1912% | 2,292 |
| Return on Equity (ROE) | 12.2650% | 1,295 |
| Retained earnings to average equity (ytd only) | 3.6955% | 3,223 |
| Net charge-offs to loans | 0.0095% | 6,812 |
| Credit loss provision to net charge-offs | 225.0000% | 1,940 |
| Earnings coverage of net charge-offs (x) | 174.1051% | 219 |
| Efficiency ratio | 68.0880% | 4,958 |
| Assets per employee ($millions) | 2.9432% | 6,295 |
| Cash dividends to net income (ytd only)* | 69.8683% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 7,363 |
| Loan loss allowance to noncurrent loans | 77.3333% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 5,419 |
| Noncurrent loans to loans | 0.9076% | 5,472 |
| Net loans and leases to total assets | 75.0598% | 2,232 |
| Net loans and leases to deposits | 90.9261% | 2,405 |
| Net loans and leases to core deposits | 110.7260% | 3,154 |
| Total domestic deposits to total assets | 82.5503% | 4,419 |
| Equity capital to assets | 10.0480% | 4,029 |
| Core capital (leverage) ratio | 9.5342% | 3,863 |
| Tier 1 risk-based capital ratio | 11.8706% | 5,089 |
| Total risk-based capital ratio | 12.5309% | 5,598 |
| Memoranda: | ||
| Average total assets | $76,892,750 | 5,850 |
| Average earning assets | $73,339,250 | 5,739 |
| Average equity | $7,468,250 | 6,169 |
| Average total loans | $56,297,750 | 5,449 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4519% | 4,885 |
| Cost of funding earning assets | 1.8635% | 4,448 |
| Net interest margin | 3.5884% | 4,415 |
| Noninterest income to average assets | 0.2623% | 6,398 |
| Noninterest expense to average assets | 2.5371% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1556% | 1,593 |
| Return on assets (ROA) | 1.1556% | 1,677 |
| Pretax return on assets | 1.1556% | 2,443 |
| Return on Equity (ROE) | 12.0357% | 1,400 |
| Retained earnings to average equity (ytd only) | 2.2990% | 4,059 |
| Net charge-offs to loans | 0.0179% | 6,270 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 429 |
| Efficiency ratio | 68.7060% | 5,031 |
| Assets per employee ($millions) | 2.8629% | 6,486 |
| Cash dividends to net income (ytd only)* | 80.8989% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6970% | 7,432 |
| Loan loss allowance to noncurrent loans | 90.6178% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 5,622 |
| Noncurrent loans to loans | 0.7692% | 5,697 |
| Net loans and leases to total assets | 72.9847% | 2,957 |
| Net loans and leases to deposits | 89.3859% | 2,922 |
| Net loans and leases to core deposits | 106.9479% | 3,726 |
| Total domestic deposits to total assets | 81.6513% | 4,835 |
| Equity capital to assets | 9.6744% | 4,389 |
| Core capital (leverage) ratio | 9.2059% | 4,300 |
| Tier 1 risk-based capital ratio | 11.8397% | 5,062 |
| Total risk-based capital ratio | 12.4930% | 5,561 |
| Memoranda: | ||
| Average total assets | $77,016,000 | 5,892 |
| Average earning assets | $73,625,670 | 5,763 |
| Average equity | $7,394,670 | 6,221 |
| Average total loans | $55,782,330 | 5,518 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4344% | 5,253 |
| Cost of funding earning assets | 2.0297% | 3,991 |
| Net interest margin | 3.4047% | 5,122 |
| Noninterest income to average assets | 0.2966% | 6,064 |
| Noninterest expense to average assets | 2.5184% | 5,770 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0250% | 2,207 |
| Return on assets (ROA) | 1.0250% | 2,350 |
| Pretax return on assets | 1.0250% | 3,263 |
| Return on Equity (ROE) | 10.7167% | 2,063 |
| Retained earnings to average equity (ytd only) | 2.0128% | 4,742 |
| Net charge-offs to loans | -0.0072% | 7,232 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0720% | 4,356 |
| Assets per employee ($millions) | 3.0227% | 6,093 |
| Cash dividends to net income (ytd only)* | 81.2183% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7070% | 7,423 |
| Loan loss allowance to noncurrent loans | 216.1290% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 6,804 |
| Noncurrent loans to loans | 0.3271% | 6,616 |
| Net loans and leases to total assets | 71.8361% | 3,279 |
| Net loans and leases to deposits | 88.9211% | 3,120 |
| Net loans and leases to core deposits | 106.0147% | 3,912 |
| Total domestic deposits to total assets | 80.7864% | 5,049 |
| Equity capital to assets | 9.4465% | 4,750 |
| Core capital (leverage) ratio | 9.3703% | 4,144 |
| Tier 1 risk-based capital ratio | 11.7165% | 5,192 |
| Total risk-based capital ratio | 12.3771% | 5,703 |
| Memoranda: | ||
| Average total assets | $76,875,500 | 5,918 |
| Average earning assets | $73,310,500 | 5,802 |
| Average equity | $7,353,000 | 6,274 |
| Average total loans | $55,268,000 | 5,582 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0716% | 5,195 |
| Cost of funding earning assets | 2.4735% | 4,343 |
| Net interest margin | 3.5982% | 4,899 |
| Noninterest income to average assets | 0.2296% | 6,792 |
| Noninterest expense to average assets | 2.4667% | 6,144 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1535% | 1,929 |
| Return on assets (ROA) | 1.1535% | 1,855 |
| Pretax return on assets | 1.1535% | 2,822 |
| Return on Equity (ROE) | 12.2430% | 1,540 |
| Retained earnings to average equity (ytd only) | 3.2779% | 3,114 |
| Net charge-offs to loans | 0.0038% | 6,946 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 437.0000% | 118 |
| Efficiency ratio | 68.1371% | 4,703 |
| Assets per employee ($millions) | 2.8908% | 6,335 |
| Cash dividends to net income (ytd only)* | 73.2265% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 7,302 |
| Loan loss allowance to noncurrent loans | 132.3432% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 6,009 |
| Noncurrent loans to loans | 0.5645% | 5,675 |
| Net loans and leases to total assets | 70.8838% | 3,816 |
| Net loans and leases to deposits | 88.4927% | 3,722 |
| Net loans and leases to core deposits | 105.7860% | 4,217 |
| Total domestic deposits to total assets | 80.1014% | 4,978 |
| Equity capital to assets | 9.6885% | 4,437 |
| Core capital (leverage) ratio | 9.6768% | 3,798 |
| Tier 1 risk-based capital ratio | 12.3264% | 4,566 |
| Total risk-based capital ratio | 13.0234% | 4,915 |
| Memoranda: | ||
| Average total assets | $75,769,200 | 5,846 |
| Average earning assets | $71,397,400 | 5,764 |
| Average equity | $7,138,800 | 6,408 |
| Average total loans | $52,144,400 | 5,614 |