Home > The First National Bank of Louisburg > Performance and Condition Ratios
The First National Bank of Louisburg, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 4,414 |
| Cost of funding earning assets | 0.8368% | 3,640 |
| Net interest margin | 2.6054% | 3,953 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 1.8836% | 3,866 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9891% | 2,256 |
| Return on assets (ROA) | 0.9891% | 2,233 |
| Pretax return on assets | 0.9891% | 2,709 |
| Return on Equity (ROE) | 15.7700% | 1,139 |
| Retained earnings to average equity (ytd only) | 7.3895% | 1,759 |
| Net charge-offs to loans | -0.0035% | 3,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.6861% | 2,524 |
| Assets per employee ($millions) | 6.4219% | 2,464 |
| Cash dividends to net income (ytd only)* | 53.1353% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 1,513 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 49.0300% | 3,655 |
| Net loans and leases to deposits | 64.5173% | 3,263 |
| Net loans and leases to core deposits | 69.1967% | 3,350 |
| Total domestic deposits to total assets | 76.0000% | 3,941 |
| Equity capital to assets | 7.0712% | 3,911 |
| Core capital (leverage) ratio | 10.4485% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $183,797,000 | 3,096 |
| Average earning assets | $176,630,800 | 3,037 |
| Average equity | $11,529,800 | 3,572 |
| Average total loans | $85,143,400 | 3,356 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3592% | 4,429 |
| Cost of funding earning assets | 0.6204% | 3,936 |
| Net interest margin | 2.7388% | 3,827 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.8720% | 3,850 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.1172% | 1,999 |
| Return on assets (ROA) | 1.1172% | 1,982 |
| Pretax return on assets | 1.1172% | 2,519 |
| Return on Equity (ROE) | 18.4000% | 893 |
| Retained earnings to average equity (ytd only) | 11.6424% | 1,036 |
| Net charge-offs to loans | -0.0032% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8121% | 2,746 |
| Assets per employee ($millions) | 7.0915% | 1,884 |
| Cash dividends to net income (ytd only)* | 36.7427% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,630 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 49.2300% | 3,674 |
| Net loans and leases to deposits | 61.8653% | 3,405 |
| Net loans and leases to core deposits | 65.6520% | 3,449 |
| Total domestic deposits to total assets | 79.5800% | 3,591 |
| Equity capital to assets | 5.9724% | 3,997 |
| Core capital (leverage) ratio | 10.5730% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $183,187,750 | 3,109 |
| Average earning assets | $175,790,500 | 3,054 |
| Average equity | $11,120,000 | 3,607 |
| Average total loans | $83,284,250 | 3,375 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1858% | 4,500 |
| Cost of funding earning assets | 0.4376% | 4,102 |
| Net interest margin | 2.7481% | 3,910 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 1.8863% | 3,847 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0985% | 2,132 |
| Return on assets (ROA) | 1.0985% | 2,125 |
| Pretax return on assets | 1.0985% | 2,653 |
| Return on Equity (ROE) | 18.0000% | 957 |
| Retained earnings to average equity (ytd only) | 7.8881% | 1,999 |
| Net charge-offs to loans | -0.0050% | 3,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.3734% | 2,667 |
| Assets per employee ($millions) | 6.8970% | 2,005 |
| Cash dividends to net income (ytd only)* | 56.1753% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 1,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 46.1300% | 3,791 |
| Net loans and leases to deposits | 55.3183% | 3,678 |
| Net loans and leases to core deposits | 57.2965% | 3,749 |
| Total domestic deposits to total assets | 83.3900% | 2,960 |
| Equity capital to assets | 6.1030% | 4,118 |
| Core capital (leverage) ratio | 10.3958% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $182,790,333 | 3,115 |
| Average earning assets | $175,027,333 | 3,066 |
| Average equity | $11,156,000 | 3,618 |
| Average total loans | $80,371,000 | 3,410 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1425% | 4,515 |
| Cost of funding earning assets | 0.4028% | 3,958 |
| Net interest margin | 2.7398% | 4,024 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.8664% | 3,924 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0817% | 2,281 |
| Return on assets (ROA) | 1.0817% | 2,255 |
| Pretax return on assets | 1.0817% | 2,761 |
| Return on Equity (ROE) | 17.7200% | 1,062 |
| Retained earnings to average equity (ytd only) | 17.7233% | 536 |
| Net charge-offs to loans | -0.0051% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.4819% | 2,634 |
| Assets per employee ($millions) | 7.1078% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 1,119 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 41.6700% | 3,967 |
| Net loans and leases to deposits | 48.9020% | 3,932 |
| Net loans and leases to core deposits | 51.4498% | 3,938 |
| Total domestic deposits to total assets | 85.2100% | 2,803 |
| Equity capital to assets | 6.5621% | 4,014 |
| Core capital (leverage) ratio | 10.2938% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,524,500 | 3,143 |
| Average earning assets | $175,781,000 | 3,095 |
| Average equity | $11,262,000 | 3,649 |
| Average total loans | $78,579,500 | 3,472 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7743% | 4,349 |
| Cost of funding earning assets | 0.1233% | 4,268 |
| Net interest margin | 2.6510% | 4,113 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.7082% | 4,162 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0845% | 2,241 |
| Return on assets (ROA) | 1.0845% | 2,183 |
| Pretax return on assets | 1.0845% | 2,820 |
| Return on Equity (ROE) | 16.2300% | 1,010 |
| Retained earnings to average equity (ytd only) | 9.0305% | 1,471 |
| Net charge-offs to loans | -0.0055% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.9571% | 2,914 |
| Assets per employee ($millions) | 6.8239% | 2,097 |
| Cash dividends to net income (ytd only)* | 44.3572% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 1,170 |
| Loan loss allowance to noncurrent loans | 939.3701% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,106 |
| Noncurrent loans to loans | 0.1609% | 2,687 |
| Net loans and leases to total assets | 42.2000% | 3,965 |
| Net loans and leases to deposits | 46.8876% | 4,013 |
| Net loans and leases to core deposits | 49.2014% | 4,009 |
| Total domestic deposits to total assets | 90.0000% | 1,363 |
| Equity capital to assets | 5.6430% | 4,196 |
| Core capital (leverage) ratio | 10.1326% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $187,918,800 | 3,123 |
| Average earning assets | $172,727,600 | 3,125 |
| Average equity | $12,557,400 | 3,614 |
| Average total loans | $72,514,600 | 3,533 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6795% | 4,304 |
| Cost of funding earning assets | 0.0672% | 4,493 |
| Net interest margin | 2.6123% | 4,083 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.6783% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0683% | 2,218 |
| Return on assets (ROA) | 1.0683% | 2,175 |
| Pretax return on assets | 1.0683% | 2,816 |
| Return on Equity (ROE) | 15.4000% | 1,099 |
| Retained earnings to average equity (ytd only) | 10.2714% | 1,265 |
| Net charge-offs to loans | -0.0056% | 3,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.1054% | 2,954 |
| Assets per employee ($millions) | 7.7051% | 1,481 |
| Cash dividends to net income (ytd only)* | 33.3113% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 1,269 |
| Loan loss allowance to noncurrent loans | 924.4094% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,208 |
| Noncurrent loans to loans | 0.1632% | 2,786 |
| Net loans and leases to total assets | 41.4500% | 4,006 |
| Net loans and leases to deposits | 46.5978% | 4,002 |
| Net loans and leases to core deposits | 47.9952% | 4,030 |
| Total domestic deposits to total assets | 88.9500% | 2,114 |
| Equity capital to assets | 5.2379% | 4,215 |
| Core capital (leverage) ratio | 9.1719% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $188,837,000 | 3,140 |
| Average earning assets | $172,663,000 | 3,148 |
| Average equity | $13,097,500 | 3,605 |
| Average total loans | $70,908,000 | 3,577 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4881% | 4,386 |
| Cost of funding earning assets | 0.0641% | 4,498 |
| Net interest margin | 2.4240% | 4,195 |
| Noninterest income to average assets | 0.3429% | 3,099 |
| Noninterest expense to average assets | 1.6367% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8930% | 2,610 |
| Return on assets (ROA) | 0.8930% | 2,585 |
| Pretax return on assets | 0.8930% | 3,091 |
| Return on Equity (ROE) | 11.9286% | 1,685 |
| Retained earnings to average equity (ytd only) | 4.8473% | 2,770 |
| Net charge-offs to loans | -0.0058% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6985% | 2,679 |
| Assets per employee ($millions) | 8.4804% | 1,074 |
| Cash dividends to net income (ytd only)* | 59.3640% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 1,044 |
| Loan loss allowance to noncurrent loans | 923.6220% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,356 |
| Noncurrent loans to loans | 0.1791% | 2,803 |
| Net loans and leases to total assets | 34.2652% | 4,322 |
| Net loans and leases to deposits | 37.2766% | 4,358 |
| Net loans and leases to core deposits | 38.2558% | 4,381 |
| Total domestic deposits to total assets | 91.9216% | 870 |
| Equity capital to assets | 5.5048% | 4,362 |
| Core capital (leverage) ratio | 8.9033% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,141,667 | 3,164 |
| Average earning assets | $171,536,000 | 3,204 |
| Average equity | $14,234,667 | 3,562 |
| Average total loans | $68,604,667 | 3,639 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4758% | 4,296 |
| Cost of funding earning assets | 0.0685% | 4,466 |
| Net interest margin | 2.4073% | 4,057 |
| Noninterest income to average assets | 0.3380% | 3,069 |
| Noninterest expense to average assets | 1.6724% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8111% | 2,630 |
| Return on assets (ROA) | 0.8111% | 2,621 |
| Pretax return on assets | 0.8111% | 3,080 |
| Return on Equity (ROE) | 9.4476% | 2,171 |
| Retained earnings to average equity (ytd only) | 9.4476% | 1,157 |
| Net charge-offs to loans | -0.0059% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3398% | 2,586 |
| Assets per employee ($millions) | 7.7807% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 1,024 |
| Loan loss allowance to noncurrent loans | 922.8346% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,382 |
| Noncurrent loans to loans | 0.1861% | 2,887 |
| Net loans and leases to total assets | 35.9154% | 4,212 |
| Net loans and leases to deposits | 40.3593% | 4,229 |
| Net loans and leases to core deposits | 41.5559% | 4,259 |
| Total domestic deposits to total assets | 88.9893% | 2,086 |
| Equity capital to assets | 7.5759% | 3,876 |
| Core capital (leverage) ratio | 9.2727% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,447,500 | 3,222 |
| Average earning assets | $163,502,000 | 3,295 |
| Average equity | $15,750,000 | 3,493 |
| Average total loans | $67,450,500 | 3,667 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0262% | 3,823 |
| Cost of funding earning assets | 0.0719% | 4,579 |
| Net interest margin | 2.9543% | 3,307 |
| Noninterest income to average assets | 0.4008% | 3,039 |
| Noninterest expense to average assets | 1.8420% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1816% | 1,986 |
| Return on assets (ROA) | 1.1816% | 2,051 |
| Pretax return on assets | 1.1816% | 2,726 |
| Return on Equity (ROE) | 10.9953% | 2,168 |
| Retained earnings to average equity (ytd only) | 3.6274% | 3,370 |
| Net charge-offs to loans | 0.0073% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 388.6000% | 337 |
| Efficiency ratio | 60.9212% | 3,006 |
| Assets per employee ($millions) | 7.5066% | 1,614 |
| Cash dividends to net income (ytd only)* | 67.0098% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 936 |
| Loan loss allowance to noncurrent loans | 922.0472% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,470 |
| Noncurrent loans to loans | 0.1905% | 2,995 |
| Net loans and leases to total assets | 36.3518% | 4,268 |
| Net loans and leases to deposits | 41.4175% | 4,291 |
| Net loans and leases to core deposits | 42.7099% | 4,314 |
| Total domestic deposits to total assets | 87.7691% | 2,162 |
| Equity capital to assets | 9.6320% | 3,012 |
| Core capital (leverage) ratio | 10.0101% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,436,400 | 3,352 |
| Average earning assets | $145,992,200 | 3,414 |
| Average equity | $17,671,200 | 3,413 |
| Average total loans | $68,401,800 | 3,675 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0415% | 3,924 |
| Cost of funding earning assets | 0.0744% | 4,669 |
| Net interest margin | 2.9671% | 3,388 |
| Noninterest income to average assets | 0.4120% | 3,023 |
| Noninterest expense to average assets | 1.8740% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1879% | 2,209 |
| Return on assets (ROA) | 1.1879% | 2,266 |
| Pretax return on assets | 1.1879% | 2,970 |
| Return on Equity (ROE) | 10.7411% | 2,464 |
| Retained earnings to average equity (ytd only) | 2.4487% | 4,068 |
| Net charge-offs to loans | 0.0116% | 1,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 238.3333% | 499 |
| Efficiency ratio | 61.2046% | 2,804 |
| Assets per employee ($millions) | 7.7072% | 1,442 |
| Cash dividends to net income (ytd only)* | 77.2028% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6749% | 1,161 |
| Loan loss allowance to noncurrent loans | 921.2598% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 3,606 |
| Noncurrent loans to loans | 0.1818% | 3,219 |
| Net loans and leases to total assets | 40.5089% | 4,182 |
| Net loans and leases to deposits | 46.6284% | 4,203 |
| Net loans and leases to core deposits | 50.5579% | 4,105 |
| Total domestic deposits to total assets | 86.8759% | 2,399 |
| Equity capital to assets | 10.5970% | 2,367 |
| Core capital (leverage) ratio | 10.0831% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,505,750 | 3,423 |
| Average earning assets | $143,347,500 | 3,474 |
| Average equity | $17,750,750 | 3,448 |
| Average total loans | $68,836,750 | 3,722 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0176% | 4,009 |
| Cost of funding earning assets | 0.0772% | 4,711 |
| Net interest margin | 2.9403% | 3,471 |
| Noninterest income to average assets | 0.4153% | 3,035 |
| Noninterest expense to average assets | 1.9303% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0960% | 2,568 |
| Return on assets (ROA) | 1.0960% | 2,634 |
| Pretax return on assets | 1.0960% | 3,231 |
| Return on Equity (ROE) | 9.7634% | 2,847 |
| Retained earnings to average equity (ytd only) | -2.7265% | 4,705 |
| Net charge-offs to loans | -0.0058% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7851% | 2,459 |
| Assets per employee ($millions) | 6.9329% | 1,858 |
| Cash dividends to net income (ytd only)* | 127.9258% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 1,142 |
| Loan loss allowance to noncurrent loans | 927.5591% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,696 |
| Noncurrent loans to loans | 0.1791% | 3,323 |
| Net loans and leases to total assets | 41.9004% | 4,186 |
| Net loans and leases to deposits | 50.2519% | 4,092 |
| Net loans and leases to core deposits | 54.9879% | 3,969 |
| Total domestic deposits to total assets | 83.3806% | 3,611 |
| Equity capital to assets | 10.4628% | 2,421 |
| Core capital (leverage) ratio | 9.7425% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,488,333 | 3,454 |
| Average earning assets | $139,848,000 | 3,515 |
| Average equity | $17,678,333 | 3,456 |
| Average total loans | $68,497,000 | 3,752 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0019% | 4,081 |
| Cost of funding earning assets | 0.0800% | 4,747 |
| Net interest margin | 2.9219% | 3,463 |
| Noninterest income to average assets | 0.4077% | 3,048 |
| Noninterest expense to average assets | 1.9551% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0298% | 2,713 |
| Return on assets (ROA) | 1.0298% | 2,793 |
| Pretax return on assets | 1.0298% | 3,290 |
| Return on Equity (ROE) | 8.8475% | 3,086 |
| Retained earnings to average equity (ytd only) | -4.6258% | 4,680 |
| Net charge-offs to loans | -0.0059% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4991% | 2,301 |
| Assets per employee ($millions) | 6.3853% | 2,266 |
| Cash dividends to net income (ytd only)* | 152.2843% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 41.4165% | 4,273 |
| Net loans and leases to deposits | 48.4125% | 4,248 |
| Net loans and leases to core deposits | 53.0525% | 4,143 |
| Total domestic deposits to total assets | 85.5493% | 2,906 |
| Equity capital to assets | 10.8957% | 1,937 |
| Core capital (leverage) ratio | 10.7120% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,037,500 | 3,500 |
| Average earning assets | $134,981,000 | 3,574 |
| Average equity | $17,813,000 | 3,442 |
| Average total loans | $67,297,500 | 3,787 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2844% | 4,353 |
| Cost of funding earning assets | 0.1904% | 4,611 |
| Net interest margin | 3.0941% | 3,644 |
| Noninterest income to average assets | 0.4234% | 3,001 |
| Noninterest expense to average assets | 2.0253% | 4,093 |
| Loan and lease loss provision to assets | 0.1105% | 2,965 |
| Net operating income to assets | 1.1569% | 1,698 |
| Return on assets (ROA) | 1.1569% | 1,821 |
| Pretax return on assets | 1.1569% | 2,490 |
| Return on Equity (ROE) | 9.0644% | 2,367 |
| Retained earnings to average equity (ytd only) | -0.8210% | 4,621 |
| Net charge-offs to loans | 0.0077% | 3,061 |
| Credit loss provision to net charge-offs | 3,080.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 353.2000% | 309 |
| Efficiency ratio | 61.5083% | 3,219 |
| Assets per employee ($millions) | 6.1018% | 2,253 |
| Cash dividends to net income (ytd only)* | 109.0571% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7473% | 952 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,390 |
| Noncurrent loans to loans | 0.0208% | 4,254 |
| Net loans and leases to total assets | 45.1561% | 4,185 |
| Net loans and leases to deposits | 52.3653% | 4,202 |
| Net loans and leases to core deposits | 57.8355% | 4,060 |
| Total domestic deposits to total assets | 86.2329% | 2,260 |
| Equity capital to assets | 12.4506% | 1,347 |
| Core capital (leverage) ratio | 11.0214% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,340,000 | 3,519 |
| Average earning assets | $129,215,400 | 3,518 |
| Average equity | $17,783,800 | 3,390 |
| Average total loans | $65,243,200 | 3,823 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5489% | 4,127 |
| Cost of funding earning assets | 0.2067% | 4,646 |
| Net interest margin | 3.3421% | 3,068 |
| Noninterest income to average assets | 0.4206% | 2,982 |
| Noninterest expense to average assets | 2.0218% | 4,104 |
| Loan and lease loss provision to assets | 0.1490% | 2,534 |
| Net operating income to assets | 1.3676% | 1,179 |
| Return on assets (ROA) | 1.3676% | 1,281 |
| Pretax return on assets | 1.3676% | 1,828 |
| Return on Equity (ROE) | 10.6459% | 1,802 |
| Retained earnings to average equity (ytd only) | -2.6181% | 4,748 |
| Net charge-offs to loans | 0.0124% | 2,666 |
| Credit loss provision to net charge-offs | 2,566.6667% | 394 |
| Earnings coverage of net charge-offs (x) | 260.8333% | 400 |
| Efficiency ratio | 57.1350% | 3,777 |
| Assets per employee ($millions) | 6.5242% | 1,810 |
| Cash dividends to net income (ytd only)* | 124.5925% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 915 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 4,400 |
| Noncurrent loans to loans | 0.0359% | 4,249 |
| Net loans and leases to total assets | 45.6583% | 4,332 |
| Net loans and leases to deposits | 53.0364% | 4,373 |
| Net loans and leases to core deposits | 58.4138% | 4,282 |
| Total domestic deposits to total assets | 86.0885% | 2,026 |
| Equity capital to assets | 12.0115% | 1,670 |
| Core capital (leverage) ratio | 10.8886% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,564,250 | 3,535 |
| Average earning assets | $128,337,750 | 3,511 |
| Average equity | $17,671,500 | 3,400 |
| Average total loans | $64,728,000 | 3,851 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7301% | 4,021 |
| Cost of funding earning assets | 0.2282% | 4,691 |
| Net interest margin | 3.5019% | 2,778 |
| Noninterest income to average assets | 0.4378% | 2,872 |
| Noninterest expense to average assets | 2.0720% | 4,097 |
| Loan and lease loss provision to assets | 0.2039% | 2,012 |
| Net operating income to assets | 1.4753% | 969 |
| Return on assets (ROA) | 1.4753% | 1,055 |
| Pretax return on assets | 1.4753% | 1,512 |
| Return on Equity (ROE) | 11.2111% | 1,568 |
| Retained earnings to average equity (ytd only) | -1.9825% | 4,587 |
| Net charge-offs to loans | 0.0222% | 2,274 |
| Credit loss provision to net charge-offs | 1,942.8571% | 495 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 514 |
| Efficiency ratio | 55.2358% | 4,036 |
| Assets per employee ($millions) | 6.0969% | 2,094 |
| Cash dividends to net income (ytd only)* | 117.6829% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 817 |
| Loan loss allowance to noncurrent loans | 7,225.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,525 |
| Noncurrent loans to loans | 0.0235% | 4,389 |
| Net loans and leases to total assets | 45.7465% | 4,376 |
| Net loans and leases to deposits | 53.6194% | 4,392 |
| Net loans and leases to core deposits | 59.2648% | 4,298 |
| Total domestic deposits to total assets | 85.3170% | 2,263 |
| Equity capital to assets | 12.3464% | 1,457 |
| Core capital (leverage) ratio | 11.8475% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,400,333 | 3,559 |
| Average earning assets | $126,217,333 | 3,517 |
| Average equity | $17,554,000 | 3,411 |
| Average total loans | $63,074,667 | 3,895 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4899% | 4,638 |
| Cost of funding earning assets | 0.2467% | 4,783 |
| Net interest margin | 3.2432% | 3,742 |
| Noninterest income to average assets | 0.4853% | 2,633 |
| Noninterest expense to average assets | 2.1838% | 4,048 |
| Loan and lease loss provision to assets | 0.0567% | 3,053 |
| Net operating income to assets | 1.3518% | 1,102 |
| Return on assets (ROA) | 1.3518% | 1,185 |
| Pretax return on assets | 1.3518% | 1,710 |
| Return on Equity (ROE) | 9.9202% | 1,771 |
| Retained earnings to average equity (ytd only) | -3.9542% | 4,433 |
| Net charge-offs to loans | -0.0066% | 3,941 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7895% | 3,642 |
| Assets per employee ($millions) | 5.4404% | 2,183 |
| Cash dividends to net income (ytd only)* | 139.8601% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7442% | 796 |
| Loan loss allowance to noncurrent loans | 6,152.9412% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,582 |
| Noncurrent loans to loans | 0.0283% | 4,450 |
| Net loans and leases to total assets | 45.1286% | 4,463 |
| Net loans and leases to deposits | 56.1095% | 4,362 |
| Net loans and leases to core deposits | 63.1432% | 4,222 |
| Total domestic deposits to total assets | 80.4295% | 3,772 |
| Equity capital to assets | 13.1746% | 1,351 |
| Core capital (leverage) ratio | 13.2477% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,937,500 | 3,620 |
| Average earning assets | $121,608,500 | 3,557 |
| Average equity | $17,298,000 | 3,441 |
| Average total loans | $60,564,500 | 3,944 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6968% | 4,680 |
| Cost of funding earning assets | 0.2359% | 4,884 |
| Net interest margin | 3.4608% | 3,564 |
| Noninterest income to average assets | 0.5583% | 2,429 |
| Noninterest expense to average assets | 2.3762% | 3,747 |
| Loan and lease loss provision to assets | 0.0612% | 2,812 |
| Net operating income to assets | 1.4243% | 1,265 |
| Return on assets (ROA) | 1.4243% | 1,334 |
| Pretax return on assets | 1.4243% | 2,068 |
| Return on Equity (ROE) | 9.9348% | 2,322 |
| Retained earnings to average equity (ytd only) | 0.6876% | 4,493 |
| Net charge-offs to loans | -0.0051% | 4,352 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5317% | 3,446 |
| Assets per employee ($millions) | 4.9322% | 2,669 |
| Cash dividends to net income (ytd only)* | 93.0788% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 48.7665% | 4,382 |
| Net loans and leases to deposits | 58.1536% | 4,365 |
| Net loans and leases to core deposits | 65.5718% | 4,207 |
| Total domestic deposits to total assets | 83.8580% | 2,892 |
| Equity capital to assets | 14.1064% | 1,056 |
| Core capital (leverage) ratio | 13.7335% | 995 |
| Tier 1 risk-based capital ratio | 24.3870% | 799 |
| Total risk-based capital ratio | 25.6394% | 778 |
| Memoranda: | ||
| Average total assets | $117,668,400 | 3,737 |
| Average earning assets | $112,313,800 | 3,671 |
| Average equity | $16,870,000 | 3,450 |
| Average total loans | $58,318,800 | 4,010 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 4,771 |
| Cost of funding earning assets | 0.2285% | 4,976 |
| Net interest margin | 3.4842% | 3,610 |
| Noninterest income to average assets | 0.5665% | 2,372 |
| Noninterest expense to average assets | 2.3544% | 3,809 |
| Loan and lease loss provision to assets | 0.0619% | 2,663 |
| Net operating income to assets | 1.4725% | 1,266 |
| Return on assets (ROA) | 1.4725% | 1,326 |
| Pretax return on assets | 1.4725% | 2,037 |
| Return on Equity (ROE) | 10.2274% | 2,340 |
| Retained earnings to average equity (ytd only) | -2.1984% | 4,937 |
| Net charge-offs to loans | -0.0046% | 4,187 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5426% | 3,535 |
| Assets per employee ($millions) | 4.9950% | 2,571 |
| Cash dividends to net income (ytd only)* | 121.4952% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 773 |
| Loan loss allowance to noncurrent loans | 5,305.2632% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 4,674 |
| Noncurrent loans to loans | 0.0326% | 4,520 |
| Net loans and leases to total assets | 47.8233% | 4,517 |
| Net loans and leases to deposits | 56.9274% | 4,519 |
| Net loans and leases to core deposits | 61.5067% | 4,479 |
| Total domestic deposits to total assets | 84.0075% | 2,823 |
| Equity capital to assets | 14.2800% | 1,046 |
| Core capital (leverage) ratio | 13.7004% | 1,077 |
| Tier 1 risk-based capital ratio | 23.8241% | 861 |
| Total risk-based capital ratio | 25.0766% | 844 |
| Memoranda: | ||
| Average total assets | $116,259,000 | 3,794 |
| Average earning assets | $110,858,250 | 3,734 |
| Average equity | $16,739,000 | 3,490 |
| Average total loans | $57,608,750 | 4,068 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 4,861 |
| Cost of funding earning assets | 0.1783% | 5,119 |
| Net interest margin | 3.4928% | 3,620 |
| Noninterest income to average assets | 0.5667% | 2,303 |
| Noninterest expense to average assets | 2.3329% | 3,920 |
| Loan and lease loss provision to assets | 0.0626% | 2,568 |
| Net operating income to assets | 1.5089% | 1,126 |
| Return on assets (ROA) | 1.5089% | 1,177 |
| Pretax return on assets | 1.5089% | 1,831 |
| Return on Equity (ROE) | 10.4501% | 2,199 |
| Retained earnings to average equity (ytd only) | -3.2747% | 4,981 |
| Net charge-offs to loans | -0.0070% | 4,217 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7507% | 3,770 |
| Assets per employee ($millions) | 5.1002% | 2,362 |
| Cash dividends to net income (ytd only)* | 131.3364% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6591% | 897 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,732 |
| Noncurrent loans to loans | 0.0251% | 4,596 |
| Net loans and leases to total assets | 50.0234% | 4,466 |
| Net loans and leases to deposits | 60.0331% | 4,422 |
| Net loans and leases to core deposits | 65.0208% | 4,363 |
| Total domestic deposits to total assets | 83.3264% | 3,102 |
| Equity capital to assets | 14.5859% | 925 |
| Core capital (leverage) ratio | 14.3673% | 863 |
| Tier 1 risk-based capital ratio | 23.6891% | 878 |
| Total risk-based capital ratio | 24.9412% | 860 |
| Memoranda: | ||
| Average total assets | $115,051,670 | 3,829 |
| Average earning assets | $109,940,000 | 3,775 |
| Average equity | $16,612,330 | 3,504 |
| Average total loans | $57,365,330 | 4,099 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6441% | 4,914 |
| Cost of funding earning assets | 0.1655% | 5,189 |
| Net interest margin | 3.4787% | 3,655 |
| Noninterest income to average assets | 0.5477% | 2,297 |
| Noninterest expense to average assets | 2.3068% | 4,004 |
| Loan and lease loss provision to assets | 0.0632% | 2,397 |
| Net operating income to assets | 1.4992% | 1,118 |
| Return on assets (ROA) | 1.4992% | 1,148 |
| Pretax return on assets | 1.4992% | 1,773 |
| Return on Equity (ROE) | 10.4379% | 2,180 |
| Retained earnings to average equity (ytd only) | -4.2289% | 4,879 |
| Net charge-offs to loans | -0.0071% | 4,115 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6189% | 3,860 |
| Assets per employee ($millions) | 4.9115% | 2,629 |
| Cash dividends to net income (ytd only)* | 140.5152% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.7970% | 4,538 |
| Net loans and leases to deposits | 59.1074% | 4,458 |
| Net loans and leases to core deposits | 59.1074% | 4,606 |
| Total domestic deposits to total assets | 82.5564% | 3,558 |
| Equity capital to assets | 14.6091% | 854 |
| Core capital (leverage) ratio | 14.6385% | 780 |
| Tier 1 risk-based capital ratio | 24.8585% | 766 |
| Total risk-based capital ratio | 26.1101% | 759 |
| Memoranda: | ||
| Average total assets | $113,925,000 | 3,881 |
| Average earning assets | $108,777,500 | 3,833 |
| Average equity | $16,363,500 | 3,548 |
| Average total loans | $56,213,000 | 4,160 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5636% | 4,841 |
| Cost of funding earning assets | 0.2169% | 4,937 |
| Net interest margin | 3.3467% | 4,135 |
| Noninterest income to average assets | 0.5867% | 2,367 |
| Noninterest expense to average assets | 2.3381% | 4,025 |
| Loan and lease loss provision to assets | 0.0411% | 3,371 |
| Net operating income to assets | 1.3911% | 1,461 |
| Return on assets (ROA) | 1.3911% | 1,457 |
| Pretax return on assets | 1.3911% | 2,165 |
| Return on Equity (ROE) | 10.2156% | 2,436 |
| Retained earnings to average equity (ytd only) | 5.4000% | 2,536 |
| Net charge-offs to loans | -0.0019% | 4,225 |
| Credit loss provision to net charge-offs | -4,700.0000% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0130% | 3,524 |
| Assets per employee ($millions) | 4.9950% | 2,511 |
| Cash dividends to net income (ytd only)* | 47.1402% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 48.2043% | 4,623 |
| Net loans and leases to deposits | 58.1472% | 4,570 |
| Net loans and leases to core deposits | 58.6342% | 4,681 |
| Total domestic deposits to total assets | 82.9004% | 3,365 |
| Equity capital to assets | 14.1218% | 936 |
| Core capital (leverage) ratio | 14.3835% | 824 |
| Tier 1 risk-based capital ratio | 25.0501% | 739 |
| Total risk-based capital ratio | 26.3014% | 726 |
| Memoranda: | ||
| Average total assets | $114,367,600 | 3,880 |
| Average earning assets | $108,793,400 | 3,829 |
| Average equity | $15,574,200 | 3,562 |
| Average total loans | $53,896,200 | 4,227 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5256% | 4,907 |
| Cost of funding earning assets | 0.2049% | 5,005 |
| Net interest margin | 3.3206% | 4,219 |
| Noninterest income to average assets | 0.5824% | 2,403 |
| Noninterest expense to average assets | 2.2736% | 4,164 |
| Loan and lease loss provision to assets | 0.0339% | 3,339 |
| Net operating income to assets | 1.4332% | 1,383 |
| Return on assets (ROA) | 1.4332% | 1,381 |
| Pretax return on assets | 1.4332% | 2,111 |
| Return on Equity (ROE) | 10.6236% | 2,338 |
| Retained earnings to average equity (ytd only) | 4.1353% | 3,707 |
| Net charge-offs to loans | -0.0025% | 4,116 |
| Credit loss provision to net charge-offs | -2,900.0000% | 4,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7800% | 3,691 |
| Assets per employee ($millions) | 4.8715% | 2,630 |
| Cash dividends to net income (ytd only)* | 61.0753% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 46.6215% | 4,774 |
| Net loans and leases to deposits | 55.5994% | 4,770 |
| Net loans and leases to core deposits | 56.0517% | 4,846 |
| Total domestic deposits to total assets | 83.8525% | 2,993 |
| Equity capital to assets | 13.2172% | 1,247 |
| Core capital (leverage) ratio | 13.5030% | 1,105 |
| Tier 1 risk-based capital ratio | 24.9237% | 764 |
| Total risk-based capital ratio | 26.1752% | 740 |
| Memoranda: | ||
| Average total assets | $114,238,000 | 3,923 |
| Average earning assets | $108,651,500 | 3,864 |
| Average equity | $15,411,750 | 3,608 |
| Average total loans | $53,287,250 | 4,286 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4606% | 4,969 |
| Cost of funding earning assets | 0.1922% | 5,067 |
| Net interest margin | 3.2685% | 4,336 |
| Noninterest income to average assets | 0.5911% | 2,373 |
| Noninterest expense to average assets | 2.2674% | 4,217 |
| Loan and lease loss provision to assets | 0.0318% | 3,276 |
| Net operating income to assets | 1.4134% | 1,386 |
| Return on assets (ROA) | 1.4134% | 1,389 |
| Pretax return on assets | 1.4134% | 2,098 |
| Return on Equity (ROE) | 10.4039% | 2,379 |
| Retained earnings to average equity (ytd only) | 4.5590% | 3,314 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0741% | 3,754 |
| Assets per employee ($millions) | 5.1018% | 2,291 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6895% | 920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 45.7219% | 4,838 |
| Net loans and leases to deposits | 55.6050% | 4,773 |
| Net loans and leases to core deposits | 56.0646% | 4,870 |
| Total domestic deposits to total assets | 82.2263% | 3,647 |
| Equity capital to assets | 13.1897% | 1,230 |
| Core capital (leverage) ratio | 13.4916% | 1,064 |
| Tier 1 risk-based capital ratio | 24.6789% | 765 |
| Total risk-based capital ratio | 25.9306% | 741 |
| Memoranda: | ||
| Average total assets | $113,345,330 | 3,961 |
| Average earning assets | $108,245,670 | 3,907 |
| Average equity | $15,398,000 | 3,629 |
| Average total loans | $52,569,000 | 4,335 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4125% | 5,003 |
| Cost of funding earning assets | 0.1844% | 5,100 |
| Net interest margin | 3.2281% | 4,378 |
| Noninterest income to average assets | 0.5856% | 2,333 |
| Noninterest expense to average assets | 2.2847% | 4,220 |
| Loan and lease loss provision to assets | 0.0323% | 3,071 |
| Net operating income to assets | 1.3507% | 1,477 |
| Return on assets (ROA) | 1.3507% | 1,490 |
| Pretax return on assets | 1.3507% | 2,182 |
| Return on Equity (ROE) | 9.7926% | 2,539 |
| Retained earnings to average equity (ytd only) | -1.9273% | 5,004 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2919% | 3,734 |
| Assets per employee ($millions) | 5.0490% | 2,428 |
| Cash dividends to net income (ytd only)* | 119.6809% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 46.2396% | 4,783 |
| Net loans and leases to deposits | 54.6091% | 4,767 |
| Net loans and leases to core deposits | 55.0722% | 4,873 |
| Total domestic deposits to total assets | 84.6738% | 3,040 |
| Equity capital to assets | 13.6040% | 1,017 |
| Core capital (leverage) ratio | 13.7054% | 945 |
| Tier 1 risk-based capital ratio | 25.5732% | 718 |
| Total risk-based capital ratio | 26.8251% | 700 |
| Memoranda: | ||
| Average total assets | $111,347,000 | 4,040 |
| Average earning assets | $106,315,000 | 3,985 |
| Average equity | $15,358,500 | 3,663 |
| Average total loans | $51,567,000 | 4,408 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2317% | 5,156 |
| Cost of funding earning assets | 0.1491% | 5,266 |
| Net interest margin | 3.0825% | 4,724 |
| Noninterest income to average assets | 0.6042% | 2,426 |
| Noninterest expense to average assets | 2.2869% | 4,371 |
| Loan and lease loss provision to assets | 0.0081% | 4,106 |
| Net operating income to assets | 1.2137% | 1,478 |
| Return on assets (ROA) | 1.2137% | 1,505 |
| Pretax return on assets | 1.2137% | 2,715 |
| Return on Equity (ROE) | 8.8132% | 2,401 |
| Retained earnings to average equity (ytd only) | 4.8551% | 2,217 |
| Net charge-offs to loans | -0.0063% | 4,688 |
| Credit loss provision to net charge-offs | -300.0000% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1786% | 3,408 |
| Assets per employee ($millions) | 5.0735% | 2,392 |
| Cash dividends to net income (ytd only)* | 44.9115% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 44.7561% | 4,945 |
| Net loans and leases to deposits | 56.0103% | 4,797 |
| Net loans and leases to core deposits | 56.5115% | 4,915 |
| Total domestic deposits to total assets | 79.9070% | 4,351 |
| Equity capital to assets | 13.9819% | 918 |
| Core capital (leverage) ratio | 13.6176% | 933 |
| Tier 1 risk-based capital ratio | 26.0264% | 662 |
| Total risk-based capital ratio | 27.2786% | 652 |
| Memoranda: | ||
| Average total assets | $111,723,000 | 4,028 |
| Average earning assets | $105,271,000 | 3,998 |
| Average equity | $15,386,000 | 3,672 |
| Average total loans | $47,382,000 | 4,533 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1777% | 5,258 |
| Cost of funding earning assets | 0.1422% | 5,360 |
| Net interest margin | 3.0356% | 4,839 |
| Noninterest income to average assets | 0.5989% | 2,495 |
| Noninterest expense to average assets | 2.2788% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1728% | 1,796 |
| Return on assets (ROA) | 1.1728% | 1,838 |
| Pretax return on assets | 1.1728% | 3,010 |
| Return on Equity (ROE) | 8.5489% | 2,840 |
| Retained earnings to average equity (ytd only) | 3.2526% | 3,989 |
| Net charge-offs to loans | -0.0057% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0214% | 3,204 |
| Assets per employee ($millions) | 4.8082% | 2,684 |
| Cash dividends to net income (ytd only)* | 61.9534% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8062% | 847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 43.9496% | 5,031 |
| Net loans and leases to deposits | 52.2692% | 5,044 |
| Net loans and leases to core deposits | 52.7176% | 5,115 |
| Total domestic deposits to total assets | 84.0833% | 3,094 |
| Equity capital to assets | 14.1797% | 947 |
| Core capital (leverage) ratio | 13.6357% | 982 |
| Tier 1 risk-based capital ratio | 26.1409% | 666 |
| Total risk-based capital ratio | 27.3943% | 653 |
| Memoranda: | ||
| Average total assets | $111,749,750 | 4,070 |
| Average earning assets | $105,019,500 | 4,050 |
| Average equity | $15,331,000 | 3,713 |
| Average total loans | $46,512,750 | 4,593 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1369% | 5,315 |
| Cost of funding earning assets | 0.1317% | 5,439 |
| Net interest margin | 3.0052% | 4,903 |
| Noninterest income to average assets | 0.5689% | 2,610 |
| Noninterest expense to average assets | 2.2990% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0790% | 2,087 |
| Return on assets (ROA) | 1.0790% | 2,131 |
| Pretax return on assets | 1.0790% | 3,266 |
| Return on Equity (ROE) | 7.9530% | 3,056 |
| Retained earnings to average equity (ytd only) | 2.7080% | 4,082 |
| Net charge-offs to loans | -0.0044% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0570% | 3,004 |
| Assets per employee ($millions) | 4.6663% | 2,836 |
| Cash dividends to net income (ytd only)* | 65.9504% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 42.3752% | 5,124 |
| Net loans and leases to deposits | 53.8166% | 4,970 |
| Net loans and leases to core deposits | 54.3037% | 5,074 |
| Total domestic deposits to total assets | 78.7401% | 4,684 |
| Equity capital to assets | 13.9379% | 986 |
| Core capital (leverage) ratio | 13.3733% | 1,031 |
| Tier 1 risk-based capital ratio | 25.3906% | 714 |
| Total risk-based capital ratio | 26.6425% | 699 |
| Memoranda: | ||
| Average total assets | $112,137,000 | 4,096 |
| Average earning assets | $104,818,330 | 4,077 |
| Average equity | $15,214,330 | 3,734 |
| Average total loans | $45,518,000 | 4,647 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0280% | 5,438 |
| Cost of funding earning assets | 0.1231% | 5,541 |
| Net interest margin | 2.9049% | 5,075 |
| Noninterest income to average assets | 0.5561% | 2,630 |
| Noninterest expense to average assets | 2.3492% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8983% | 2,772 |
| Return on assets (ROA) | 0.8983% | 2,821 |
| Pretax return on assets | 0.8983% | 3,778 |
| Return on Equity (ROE) | 6.7124% | 3,542 |
| Retained earnings to average equity (ytd only) | -3.9156% | 5,329 |
| Net charge-offs to loans | -0.0091% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3381% | 2,516 |
| Assets per employee ($millions) | 4.7662% | 2,747 |
| Cash dividends to net income (ytd only)* | 158.3333% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0312% | 632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 37.6543% | 5,339 |
| Net loans and leases to deposits | 48.0114% | 5,220 |
| Net loans and leases to core deposits | 48.4390% | 5,284 |
| Total domestic deposits to total assets | 78.4278% | 4,919 |
| Equity capital to assets | 13.1299% | 1,209 |
| Core capital (leverage) ratio | 13.5283% | 967 |
| Tier 1 risk-based capital ratio | 25.6789% | 710 |
| Total risk-based capital ratio | 26.9319% | 695 |
| Memoranda: | ||
| Average total assets | $112,210,500 | 4,126 |
| Average earning assets | $103,964,000 | 4,130 |
| Average equity | $15,017,000 | 3,782 |
| Average total loans | $44,102,500 | 4,723 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2067% | 5,293 |
| Cost of funding earning assets | 0.1257% | 5,585 |
| Net interest margin | 3.0810% | 4,774 |
| Noninterest income to average assets | 0.6111% | 2,605 |
| Noninterest expense to average assets | 2.5335% | 3,904 |
| Loan and lease loss provision to assets | 0.0233% | 3,903 |
| Net operating income to assets | 0.9302% | 2,679 |
| Return on assets (ROA) | 0.9302% | 2,790 |
| Pretax return on assets | 0.9302% | 3,731 |
| Return on Equity (ROE) | 6.0055% | 3,979 |
| Retained earnings to average equity (ytd only) | -4.3335% | 5,652 |
| Net charge-offs to loans | -0.1632% | 5,700 |
| Credit loss provision to net charge-offs | -34.7826% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6565% | 2,483 |
| Assets per employee ($millions) | 4.2320% | 3,566 |
| Cash dividends to net income (ytd only)* | 172.1585% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0163% | 635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 39.3955% | 5,341 |
| Net loans and leases to deposits | 50.7006% | 5,179 |
| Net loans and leases to core deposits | 51.1740% | 5,261 |
| Total domestic deposits to total assets | 77.7021% | 5,016 |
| Equity capital to assets | 13.6459% | 998 |
| Core capital (leverage) ratio | 13.9486% | 830 |
| Tier 1 risk-based capital ratio | 26.8895% | 624 |
| Total risk-based capital ratio | 28.1440% | 613 |
| Memoranda: | ||
| Average total assets | $103,096,600 | 4,308 |
| Average earning assets | $96,234,600 | 4,269 |
| Average equity | $15,968,800 | 3,694 |
| Average total loans | $42,273,600 | 4,805 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2369% | 5,306 |
| Cost of funding earning assets | 0.1255% | 5,646 |
| Net interest margin | 3.1114% | 4,745 |
| Noninterest income to average assets | 0.6064% | 2,631 |
| Noninterest expense to average assets | 2.5834% | 3,719 |
| Loan and lease loss provision to assets | 0.0316% | 3,596 |
| Net operating income to assets | 0.9260% | 2,780 |
| Return on assets (ROA) | 0.9260% | 2,907 |
| Pretax return on assets | 0.9260% | 3,890 |
| Return on Equity (ROE) | 5.7915% | 4,172 |
| Retained earnings to average equity (ytd only) | -7.7906% | 5,812 |
| Net charge-offs to loans | -0.1883% | 5,743 |
| Credit loss provision to net charge-offs | -40.6780% | 4,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9569% | 2,443 |
| Assets per employee ($millions) | 4.3955% | 3,258 |
| Cash dividends to net income (ytd only)* | 234.5180% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0702% | 635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 4,407 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 41.2693% | 5,322 |
| Net loans and leases to deposits | 49.3623% | 5,329 |
| Net loans and leases to core deposits | 49.8292% | 5,391 |
| Total domestic deposits to total assets | 83.6049% | 3,354 |
| Equity capital to assets | 15.5010% | 628 |
| Core capital (leverage) ratio | 13.8119% | 904 |
| Tier 1 risk-based capital ratio | 28.0014% | 583 |
| Total risk-based capital ratio | 29.2560% | 572 |
| Memoranda: | ||
| Average total assets | $101,362,500 | 4,369 |
| Average earning assets | $95,604,250 | 4,312 |
| Average equity | $16,207,250 | 3,697 |
| Average total loans | $41,782,000 | 4,863 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2011% | 5,428 |
| Cost of funding earning assets | 0.1234% | 5,736 |
| Net interest margin | 3.0777% | 4,896 |
| Noninterest income to average assets | 0.5993% | 2,621 |
| Noninterest expense to average assets | 2.5963% | 3,733 |
| Loan and lease loss provision to assets | 0.0473% | 3,202 |
| Net operating income to assets | 0.8576% | 3,060 |
| Return on assets (ROA) | 0.8576% | 3,183 |
| Pretax return on assets | 0.8576% | 4,094 |
| Return on Equity (ROE) | 5.3094% | 4,377 |
| Retained earnings to average equity (ytd only) | -2.6364% | 5,589 |
| Net charge-offs to loans | -0.0193% | 4,931 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1554% | 2,333 |
| Assets per employee ($millions) | 4.5519% | 2,935 |
| Cash dividends to net income (ytd only)* | 149.6552% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0035% | 728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 4,495 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 38.6368% | 5,486 |
| Net loans and leases to deposits | 46.6751% | 5,473 |
| Net loans and leases to core deposits | 47.2602% | 5,523 |
| Total domestic deposits to total assets | 82.7782% | 3,732 |
| Equity capital to assets | 15.7279% | 588 |
| Core capital (leverage) ratio | 14.1912% | 775 |
| Tier 1 risk-based capital ratio | 29.9332% | 498 |
| Total risk-based capital ratio | 31.1867% | 492 |
| Memoranda: | ||
| Average total assets | $101,451,000 | 4,399 |
| Average earning assets | $95,655,000 | 4,346 |
| Average equity | $16,386,000 | 3,684 |
| Average total loans | $41,508,000 | 4,915 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3346% | 5,250 |
| Cost of funding earning assets | 0.1192% | 5,817 |
| Net interest margin | 3.2154% | 4,532 |
| Noninterest income to average assets | 0.5850% | 2,618 |
| Noninterest expense to average assets | 2.6004% | 3,749 |
| Loan and lease loss provision to assets | 0.0481% | 2,958 |
| Net operating income to assets | 0.9616% | 2,453 |
| Return on assets (ROA) | 0.9616% | 2,569 |
| Pretax return on assets | 0.9616% | 3,616 |
| Return on Equity (ROE) | 5.8730% | 4,050 |
| Retained earnings to average equity (ytd only) | -2.7163% | 5,450 |
| Net charge-offs to loans | -0.0192% | 4,830 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0311% | 2,797 |
| Assets per employee ($millions) | 4.2319% | 3,533 |
| Cash dividends to net income (ytd only)* | 146.2500% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0055% | 813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 4,528 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 39.1125% | 5,502 |
| Net loans and leases to deposits | 47.7981% | 5,426 |
| Net loans and leases to core deposits | 48.2574% | 5,501 |
| Total domestic deposits to total assets | 81.8286% | 4,275 |
| Equity capital to assets | 16.1511% | 517 |
| Core capital (leverage) ratio | 14.6972% | 666 |
| Tier 1 risk-based capital ratio | 31.2349% | 456 |
| Total risk-based capital ratio | 32.4897% | 455 |
| Memoranda: | ||
| Average total assets | $99,830,000 | 4,466 |
| Average earning assets | $93,923,500 | 4,426 |
| Average equity | $16,346,000 | 3,687 |
| Average total loans | $41,623,500 | 4,945 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2055% | 5,513 |
| Cost of funding earning assets | 0.1317% | 5,805 |
| Net interest margin | 3.0738% | 4,966 |
| Noninterest income to average assets | 0.6606% | 2,399 |
| Noninterest expense to average assets | 2.6494% | 3,759 |
| Loan and lease loss provision to assets | 0.0489% | 3,353 |
| Net operating income to assets | 0.8611% | 3,062 |
| Return on assets (ROA) | 0.8611% | 3,131 |
| Pretax return on assets | 0.8611% | 3,984 |
| Return on Equity (ROE) | 5.1998% | 4,407 |
| Retained earnings to average equity (ytd only) | 1.8992% | 4,642 |
| Net charge-offs to loans | -0.0102% | 5,115 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4352% | 2,510 |
| Assets per employee ($millions) | 3.9238% | 4,077 |
| Cash dividends to net income (ytd only)* | 63.4752% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 1,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 4,525 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 42.7233% | 5,362 |
| Net loans and leases to deposits | 53.5702% | 5,186 |
| Net loans and leases to core deposits | 54.1173% | 5,308 |
| Total domestic deposits to total assets | 79.7521% | 4,812 |
| Equity capital to assets | 16.6045% | 449 |
| Core capital (leverage) ratio | 15.2786% | 570 |
| Tier 1 risk-based capital ratio | 31.5534% | 444 |
| Total risk-based capital ratio | 32.8064% | 441 |
| Memoranda: | ||
| Average total assets | $98,247,200 | 4,494 |
| Average earning assets | $92,654,000 | 4,458 |
| Average equity | $16,270,000 | 3,634 |
| Average total loans | $39,268,400 | 5,040 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1749% | 5,621 |
| Cost of funding earning assets | 0.1355% | 5,884 |
| Net interest margin | 3.0394% | 5,103 |
| Noninterest income to average assets | 0.6511% | 2,475 |
| Noninterest expense to average assets | 2.6561% | 3,700 |
| Loan and lease loss provision to assets | 0.0488% | 3,232 |
| Net operating income to assets | 0.8058% | 3,403 |
| Return on assets (ROA) | 0.8058% | 3,498 |
| Pretax return on assets | 0.8058% | 4,321 |
| Return on Equity (ROE) | 4.8691% | 4,687 |
| Retained earnings to average equity (ytd only) | 0.4672% | 5,485 |
| Net charge-offs to loans | -0.0070% | 4,895 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6569% | 2,296 |
| Assets per employee ($millions) | 3.9608% | 3,953 |
| Cash dividends to net income (ytd only)* | 90.4038% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9021% | 1,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 4,711 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 40.9376% | 5,547 |
| Net loans and leases to deposits | 51.9639% | 5,373 |
| Net loans and leases to core deposits | 52.8963% | 5,464 |
| Total domestic deposits to total assets | 78.7808% | 5,033 |
| Equity capital to assets | 16.5049% | 489 |
| Core capital (leverage) ratio | 15.0065% | 633 |
| Tier 1 risk-based capital ratio | 30.3329% | 502 |
| Total risk-based capital ratio | 31.5851% | 496 |
| Memoranda: | ||
| Average total assets | $98,285,500 | 4,543 |
| Average earning assets | $92,471,750 | 4,511 |
| Average equity | $16,265,500 | 3,663 |
| Average total loans | $38,408,250 | 5,125 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1867% | 5,643 |
| Cost of funding earning assets | 0.1369% | 5,942 |
| Net interest margin | 3.0498% | 5,094 |
| Noninterest income to average assets | 0.6528% | 2,462 |
| Noninterest expense to average assets | 2.6826% | 3,645 |
| Loan and lease loss provision to assets | 0.0490% | 3,142 |
| Net operating income to assets | 0.7854% | 3,462 |
| Return on assets (ROA) | 0.7854% | 3,564 |
| Pretax return on assets | 0.7854% | 4,366 |
| Return on Equity (ROE) | 4.7415% | 4,732 |
| Retained earnings to average equity (ytd only) | 2.2661% | 4,580 |
| Net charge-offs to loans | -0.0053% | 4,753 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2761% | 2,314 |
| Assets per employee ($millions) | 4.2224% | 3,430 |
| Cash dividends to net income (ytd only)* | 52.2078% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 1,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 38.3706% | 5,721 |
| Net loans and leases to deposits | 50.2481% | 5,490 |
| Net loans and leases to core deposits | 51.1571% | 5,570 |
| Total domestic deposits to total assets | 76.3623% | 5,549 |
| Equity capital to assets | 16.0976% | 519 |
| Core capital (leverage) ratio | 15.1483% | 593 |
| Tier 1 risk-based capital ratio | 31.5744% | 472 |
| Total risk-based capital ratio | 32.8282% | 468 |
| Memoranda: | ||
| Average total assets | $98,041,000 | 4,591 |
| Average earning assets | $92,071,000 | 4,558 |
| Average equity | $16,239,670 | 3,687 |
| Average total loans | $37,437,000 | 5,205 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1484% | 5,724 |
| Cost of funding earning assets | 0.1325% | 6,043 |
| Net interest margin | 3.0160% | 5,167 |
| Noninterest income to average assets | 0.6889% | 2,211 |
| Noninterest expense to average assets | 2.7596% | 3,389 |
| Loan and lease loss provision to assets | 0.0498% | 2,938 |
| Net operating income to assets | 0.7137% | 3,733 |
| Return on assets (ROA) | 0.7137% | 3,858 |
| Pretax return on assets | 0.7137% | 4,548 |
| Return on Equity (ROE) | 4.2461% | 4,874 |
| Retained earnings to average equity (ytd only) | -0.7159% | 5,502 |
| Net charge-offs to loans | -0.0110% | 4,764 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3274% | 2,141 |
| Assets per employee ($millions) | 4.1259% | 3,707 |
| Cash dividends to net income (ytd only)* | 116.8605% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0138% | 1,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 4,882 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 37.3951% | 5,757 |
| Net loans and leases to deposits | 46.9929% | 5,621 |
| Net loans and leases to core deposits | 47.8269% | 5,676 |
| Total domestic deposits to total assets | 79.5760% | 5,152 |
| Equity capital to assets | 16.5066% | 485 |
| Core capital (leverage) ratio | 15.0633% | 600 |
| Tier 1 risk-based capital ratio | 31.0263% | 493 |
| Total risk-based capital ratio | 32.2788% | 488 |
| Memoranda: | ||
| Average total assets | $96,392,500 | 4,660 |
| Average earning assets | $90,584,500 | 4,627 |
| Average equity | $16,203,000 | 3,713 |
| Average total loans | $36,327,000 | 5,284 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1878% | 5,849 |
| Cost of funding earning assets | 0.1462% | 6,121 |
| Net interest margin | 3.0416% | 5,346 |
| Noninterest income to average assets | 0.7224% | 2,202 |
| Noninterest expense to average assets | 2.8087% | 3,451 |
| Loan and lease loss provision to assets | 0.0518% | 3,523 |
| Net operating income to assets | 0.7105% | 3,833 |
| Return on assets (ROA) | 0.7105% | 3,946 |
| Pretax return on assets | 0.7105% | 4,578 |
| Return on Equity (ROE) | 4.1494% | 5,052 |
| Retained earnings to average equity (ytd only) | 0.9760% | 5,338 |
| Net charge-offs to loans | 0.0840% | 3,293 |
| Credit loss provision to net charge-offs | 171.4286% | 1,414 |
| Earnings coverage of net charge-offs (x) | 25.2500% | 1,503 |
| Efficiency ratio | 78.6534% | 2,109 |
| Assets per employee ($millions) | 3.7506% | 4,439 |
| Cash dividends to net income (ytd only)* | 76.4795% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1455% | 888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 3,477 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 36.3850% | 5,936 |
| Net loans and leases to deposits | 45.9809% | 5,797 |
| Net loans and leases to core deposits | 46.8485% | 5,855 |
| Total domestic deposits to total assets | 79.1306% | 5,226 |
| Equity capital to assets | 17.1292% | 403 |
| Core capital (leverage) ratio | 16.3731% | 429 |
| Tier 1 risk-based capital ratio | 35.5132% | 326 |
| Total risk-based capital ratio | 36.7695% | 320 |
| Memoranda: | ||
| Average total assets | $92,748,800 | 4,777 |
| Average earning assets | $86,863,200 | 4,722 |
| Average equity | $15,881,800 | 3,687 |
| Average total loans | $33,343,400 | 5,429 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1948% | 5,905 |
| Cost of funding earning assets | 0.1463% | 6,203 |
| Net interest margin | 3.0485% | 5,386 |
| Noninterest income to average assets | 0.7582% | 2,060 |
| Noninterest expense to average assets | 2.8224% | 3,376 |
| Loan and lease loss provision to assets | 0.0519% | 3,335 |
| Net operating income to assets | 0.7366% | 3,744 |
| Return on assets (ROA) | 0.7366% | 3,853 |
| Pretax return on assets | 0.7366% | 4,567 |
| Return on Equity (ROE) | 4.3021% | 5,039 |
| Retained earnings to average equity (ytd only) | 1.9785% | 5,068 |
| Net charge-offs to loans | 0.0647% | 3,280 |
| Credit loss provision to net charge-offs | 225.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 34.1922% | 1,257 |
| Efficiency ratio | 78.1637% | 2,160 |
| Assets per employee ($millions) | 4.0366% | 3,799 |
| Cash dividends to net income (ytd only)* | 54.0113% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2440% | 884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7195% | 3,655 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 35.0976% | 6,066 |
| Net loans and leases to deposits | 43.5722% | 5,995 |
| Net loans and leases to core deposits | 44.3877% | 6,025 |
| Total domestic deposits to total assets | 80.5506% | 4,949 |
| Equity capital to assets | 17.3404% | 395 |
| Core capital (leverage) ratio | 17.1216% | 360 |
| Tier 1 risk-based capital ratio | 37.2250% | 294 |
| Total risk-based capital ratio | 38.4817% | 290 |
| Memoranda: | ||
| Average total assets | $92,495,000 | 4,827 |
| Average earning assets | $86,554,750 | 4,780 |
| Average equity | $15,837,000 | 3,710 |
| Average total loans | $32,963,250 | 5,492 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2465% | 5,877 |
| Cost of funding earning assets | 0.1505% | 6,263 |
| Net interest margin | 3.0960% | 5,265 |
| Noninterest income to average assets | 0.7642% | 1,990 |
| Noninterest expense to average assets | 2.8405% | 3,373 |
| Loan and lease loss provision to assets | 0.0520% | 3,264 |
| Net operating income to assets | 0.7664% | 3,478 |
| Return on assets (ROA) | 0.7664% | 3,586 |
| Pretax return on assets | 0.7664% | 4,396 |
| Return on Equity (ROE) | 4.4953% | 4,921 |
| Retained earnings to average equity (ytd only) | 0.9905% | 5,361 |
| Net charge-offs to loans | 0.0731% | 2,969 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,215 |
| Efficiency ratio | 77.6331% | 2,346 |
| Assets per employee ($millions) | 3.6756% | 4,495 |
| Cash dividends to net income (ytd only)* | 77.9661% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2255% | 989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 4,726 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 35.3803% | 6,081 |
| Net loans and leases to deposits | 44.2694% | 5,968 |
| Net loans and leases to core deposits | 45.1134% | 6,029 |
| Total domestic deposits to total assets | 79.9206% | 5,259 |
| Equity capital to assets | 17.3686% | 378 |
| Core capital (leverage) ratio | 16.8397% | 376 |
| Tier 1 risk-based capital ratio | 36.3037% | 314 |
| Total risk-based capital ratio | 37.5599% | 308 |
| Memoranda: | ||
| Average total assets | $92,379,670 | 4,861 |
| Average earning assets | $86,369,000 | 4,819 |
| Average equity | $15,749,670 | 3,732 |
| Average total loans | $32,840,000 | 5,538 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2058% | 5,993 |
| Cost of funding earning assets | 0.1571% | 6,315 |
| Net interest margin | 3.0487% | 5,388 |
| Noninterest income to average assets | 0.7989% | 1,754 |
| Noninterest expense to average assets | 2.9020% | 3,210 |
| Loan and lease loss provision to assets | 0.0518% | 3,063 |
| Net operating income to assets | 0.6953% | 3,715 |
| Return on assets (ROA) | 0.6953% | 3,792 |
| Pretax return on assets | 0.6953% | 4,504 |
| Return on Equity (ROE) | 4.1165% | 4,981 |
| Retained earnings to average equity (ytd only) | -2.9403% | 5,958 |
| Net charge-offs to loans | 0.4045% | 897 |
| Credit loss provision to net charge-offs | 36.3636% | 2,338 |
| Earnings coverage of net charge-offs (x) | 5.2424% | 2,399 |
| Efficiency ratio | 79.5266% | 2,272 |
| Assets per employee ($millions) | 3.7021% | 4,514 |
| Cash dividends to net income (ytd only)* | 171.4286% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1755% | 1,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 4,710 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 34.3493% | 6,162 |
| Net loans and leases to deposits | 42.2758% | 6,063 |
| Net loans and leases to core deposits | 43.0621% | 6,118 |
| Total domestic deposits to total assets | 81.2505% | 5,166 |
| Equity capital to assets | 16.9299% | 403 |
| Core capital (leverage) ratio | 17.0253% | 363 |
| Tier 1 risk-based capital ratio | 36.6030% | 297 |
| Total risk-based capital ratio | 37.8570% | 294 |
| Memoranda: | ||
| Average total assets | $92,624,500 | 4,900 |
| Average earning assets | $86,594,000 | 4,852 |
| Average equity | $15,644,500 | 3,759 |
| Average total loans | $32,634,500 | 5,602 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4317% | 5,773 |
| Cost of funding earning assets | 0.2035% | 6,271 |
| Net interest margin | 3.2282% | 4,900 |
| Noninterest income to average assets | 0.6465% | 2,824 |
| Noninterest expense to average assets | 3.0014% | 3,053 |
| Loan and lease loss provision to assets | 0.0560% | 4,029 |
| Net operating income to assets | 0.5881% | 4,318 |
| Return on assets (ROA) | 0.5881% | 4,426 |
| Pretax return on assets | 0.5881% | 4,903 |
| Return on Equity (ROE) | 3.1519% | 5,449 |
| Retained earnings to average equity (ytd only) | 0.3002% | 5,710 |
| Net charge-offs to loans | 0.2487% | 2,480 |
| Credit loss provision to net charge-offs | 57.8313% | 3,630 |
| Earnings coverage of net charge-offs (x) | 6.6506% | 3,013 |
| Efficiency ratio | 82.3303% | 1,834 |
| Assets per employee ($millions) | 3.8624% | 4,135 |
| Cash dividends to net income (ytd only)* | 90.4762% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 1,150 |
| Loan loss allowance to noncurrent loans | 921.5190% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 4,715 |
| Noncurrent loans to loans | 0.2411% | 5,459 |
| Net loans and leases to total assets | 34.5675% | 6,263 |
| Net loans and leases to deposits | 42.4686% | 6,201 |
| Net loans and leases to core deposits | 43.2558% | 6,261 |
| Total domestic deposits to total assets | 81.3953% | 5,068 |
| Equity capital to assets | 16.8506% | 412 |
| Core capital (leverage) ratio | 17.7701% | 311 |
| Tier 1 risk-based capital ratio | 36.1773% | 293 |
| Total risk-based capital ratio | 37.4331% | 291 |
| Memoranda: | ||
| Average total assets | $85,694,400 | 5,094 |
| Average earning assets | $79,610,000 | 5,047 |
| Average equity | $15,990,600 | 3,703 |
| Average total loans | $33,368,000 | 5,606 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4859% | 5,719 |
| Cost of funding earning assets | 0.2126% | 6,337 |
| Net interest margin | 3.2733% | 4,739 |
| Noninterest income to average assets | 0.6337% | 2,965 |
| Noninterest expense to average assets | 3.0051% | 2,975 |
| Loan and lease loss provision to assets | 0.0572% | 3,906 |
| Net operating income to assets | 0.6036% | 4,333 |
| Return on assets (ROA) | 0.6036% | 4,457 |
| Pretax return on assets | 0.6036% | 4,998 |
| Return on Equity (ROE) | 3.1502% | 5,549 |
| Retained earnings to average equity (ytd only) | -0.6300% | 6,070 |
| Net charge-offs to loans | 0.0835% | 3,758 |
| Credit loss provision to net charge-offs | 171.4286% | 1,391 |
| Earnings coverage of net charge-offs (x) | 19.8089% | 1,619 |
| Efficiency ratio | 81.9757% | 1,828 |
| Assets per employee ($millions) | 3.6597% | 4,535 |
| Cash dividends to net income (ytd only)* | 120.0000% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4054% | 1,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 5,031 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 37.5009% | 6,197 |
| Net loans and leases to deposits | 47.2956% | 6,012 |
| Net loans and leases to core deposits | 48.2882% | 6,108 |
| Total domestic deposits to total assets | 79.2905% | 5,679 |
| Equity capital to assets | 18.5841% | 289 |
| Core capital (leverage) ratio | 18.4100% | 271 |
| Tier 1 risk-based capital ratio | 37.2970% | 278 |
| Total risk-based capital ratio | 38.5540% | 277 |
| Memoranda: | ||
| Average total assets | $83,943,750 | 5,189 |
| Average earning assets | $77,759,500 | 5,143 |
| Average equity | $16,083,250 | 3,730 |
| Average total loans | $33,517,250 | 5,654 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4318% | 5,835 |
| Cost of funding earning assets | 0.2140% | 6,412 |
| Net interest margin | 3.2178% | 4,877 |
| Noninterest income to average assets | 0.5986% | 3,202 |
| Noninterest expense to average assets | 3.0405% | 2,872 |
| Loan and lease loss provision to assets | 0.0572% | 3,859 |
| Net operating income to assets | 0.5127% | 4,753 |
| Return on assets (ROA) | 0.5127% | 4,915 |
| Pretax return on assets | 0.5127% | 5,329 |
| Return on Equity (ROE) | 2.6494% | 5,739 |
| Retained earnings to average equity (ytd only) | -0.3820% | 5,929 |
| Net charge-offs to loans | 0.1239% | 3,137 |
| Credit loss provision to net charge-offs | 114.2857% | 1,935 |
| Earnings coverage of net charge-offs (x) | 11.3810% | 2,055 |
| Efficiency ratio | 84.2140% | 1,608 |
| Assets per employee ($millions) | 3.5657% | 4,717 |
| Cash dividends to net income (ytd only)* | 114.4186% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2564% | 1,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 5,127 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 38.7744% | 6,129 |
| Net loans and leases to deposits | 50.6425% | 5,791 |
| Net loans and leases to core deposits | 51.9841% | 5,892 |
| Total domestic deposits to total assets | 76.5650% | 6,187 |
| Equity capital to assets | 18.6242% | 280 |
| Core capital (leverage) ratio | 18.0734% | 285 |
| Tier 1 risk-based capital ratio | 35.3960% | 328 |
| Total risk-based capital ratio | 36.6513% | 319 |
| Memoranda: | ||
| Average total assets | $83,867,000 | 5,228 |
| Average earning assets | $78,500,330 | 5,153 |
| Average equity | $16,230,000 | 3,734 |
| Average total loans | $33,908,330 | 5,671 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4435% | 5,851 |
| Cost of funding earning assets | 0.2165% | 6,494 |
| Net interest margin | 3.2270% | 4,815 |
| Noninterest income to average assets | 0.5830% | 3,230 |
| Noninterest expense to average assets | 2.9634% | 3,104 |
| Loan and lease loss provision to assets | 0.0578% | 3,665 |
| Net operating income to assets | 0.5782% | 4,322 |
| Return on assets (ROA) | 0.5782% | 4,474 |
| Pretax return on assets | 0.5782% | 5,028 |
| Return on Equity (ROE) | 2.9311% | 5,609 |
| Retained earnings to average equity (ytd only) | -3.0777% | 6,200 |
| Net charge-offs to loans | -0.0472% | 6,107 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3293% | 1,992 |
| Assets per employee ($millions) | 3.4535% | 5,078 |
| Cash dividends to net income (ytd only)* | 205.0000% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3790% | 1,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 5,197 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 38.5672% | 6,115 |
| Net loans and leases to deposits | 49.1014% | 5,847 |
| Net loans and leases to core deposits | 50.4092% | 5,946 |
| Total domestic deposits to total assets | 78.5459% | 6,038 |
| Equity capital to assets | 19.7022% | 227 |
| Core capital (leverage) ratio | 18.3639% | 266 |
| Tier 1 risk-based capital ratio | 36.0704% | 312 |
| Total risk-based capital ratio | 37.3272% | 309 |
| Memoranda: | ||
| Average total assets | $83,012,000 | 5,299 |
| Average earning assets | $77,595,500 | 5,220 |
| Average equity | $16,376,000 | 3,756 |
| Average total loans | $33,888,500 | 5,712 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 5,790 |
| Cost of funding earning assets | 0.2731% | 6,578 |
| Net interest margin | 3.5420% | 4,331 |
| Noninterest income to average assets | 0.6767% | 2,849 |
| Noninterest expense to average assets | 2.8594% | 3,814 |
| Loan and lease loss provision to assets | 0.0582% | 5,045 |
| Net operating income to assets | 1.0623% | 2,079 |
| Return on assets (ROA) | 1.0623% | 2,269 |
| Pretax return on assets | 1.0623% | 3,308 |
| Return on Equity (ROE) | 5.3065% | 4,529 |
| Retained earnings to average equity (ytd only) | 1.1631% | 5,290 |
| Net charge-offs to loans | 0.1569% | 4,132 |
| Credit loss provision to net charge-offs | 82.7586% | 3,734 |
| Earnings coverage of net charge-offs (x) | 15.9310% | 1,616 |
| Efficiency ratio | 71.8464% | 3,445 |
| Assets per employee ($millions) | 3.9590% | 4,035 |
| Cash dividends to net income (ytd only)* | 78.0822% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1780% | 1,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 5,289 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 41.2184% | 6,078 |
| Net loans and leases to deposits | 53.5595% | 5,689 |
| Net loans and leases to core deposits | 55.0117% | 5,790 |
| Total domestic deposits to total assets | 76.9581% | 6,234 |
| Equity capital to assets | 19.7522% | 232 |
| Core capital (leverage) ratio | 18.6188% | 250 |
| Tier 1 risk-based capital ratio | 35.2193% | 339 |
| Total risk-based capital ratio | 36.4749% | 333 |
| Memoranda: | ||
| Average total assets | $82,464,400 | 5,289 |
| Average earning assets | $76,905,800 | 5,217 |
| Average equity | $16,508,000 | 3,702 |
| Average total loans | $36,972,800 | 5,636 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 5,781 |
| Cost of funding earning assets | 0.2834% | 6,682 |
| Net interest margin | 3.6201% | 4,150 |
| Noninterest income to average assets | 0.6399% | 3,045 |
| Noninterest expense to average assets | 2.8482% | 3,805 |
| Loan and lease loss provision to assets | 0.0583% | 5,001 |
| Net operating income to assets | 1.1065% | 2,064 |
| Return on assets (ROA) | 1.1065% | 2,253 |
| Pretax return on assets | 1.1065% | 3,329 |
| Return on Equity (ROE) | 5.5092% | 4,592 |
| Retained earnings to average equity (ytd only) | 3.3797% | 4,491 |
| Net charge-offs to loans | 0.1958% | 3,555 |
| Credit loss provision to net charge-offs | 65.4545% | 4,014 |
| Earnings coverage of net charge-offs (x) | 13.0730% | 1,950 |
| Efficiency ratio | 70.9730% | 3,509 |
| Assets per employee ($millions) | 3.9137% | 4,048 |
| Cash dividends to net income (ytd only)* | 38.6530% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 2,056 |
| Loan loss allowance to noncurrent loans | 18,850.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 5,461 |
| Noncurrent loans to loans | 0.0108% | 6,636 |
| Net loans and leases to total assets | 43.9955% | 5,970 |
| Net loans and leases to deposits | 56.9227% | 5,543 |
| Net loans and leases to core deposits | 58.4756% | 5,704 |
| Total domestic deposits to total assets | 77.2899% | 6,192 |
| Equity capital to assets | 20.4665% | 224 |
| Core capital (leverage) ratio | 19.1218% | 243 |
| Tier 1 risk-based capital ratio | 35.2652% | 351 |
| Total risk-based capital ratio | 36.5200% | 343 |
| Memoranda: | ||
| Average total assets | $82,295,500 | 5,343 |
| Average earning assets | $76,681,250 | 5,273 |
| Average equity | $16,529,500 | 3,733 |
| Average total loans | $37,458,000 | 5,683 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 5,822 |
| Cost of funding earning assets | 0.2897% | 6,767 |
| Net interest margin | 3.6462% | 4,056 |
| Noninterest income to average assets | 0.6049% | 3,226 |
| Noninterest expense to average assets | 2.9175% | 3,554 |
| Loan and lease loss provision to assets | 0.0583% | 4,926 |
| Net operating income to assets | 1.0227% | 2,372 |
| Return on assets (ROA) | 1.0227% | 2,599 |
| Pretax return on assets | 1.0227% | 3,620 |
| Return on Equity (ROE) | 5.1240% | 4,749 |
| Retained earnings to average equity (ytd only) | 1.9109% | 5,245 |
| Net charge-offs to loans | 0.2922% | 2,857 |
| Credit loss provision to net charge-offs | 43.6364% | 4,176 |
| Earnings coverage of net charge-offs (x) | 8.0909% | 2,366 |
| Efficiency ratio | 72.9648% | 3,245 |
| Assets per employee ($millions) | 3.7296% | 4,458 |
| Cash dividends to net income (ytd only)* | 62.7078% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9631% | 2,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 5,563 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 45.1616% | 5,904 |
| Net loans and leases to deposits | 58.2111% | 5,423 |
| Net loans and leases to core deposits | 59.7957% | 5,610 |
| Total domestic deposits to total assets | 77.5825% | 6,234 |
| Equity capital to assets | 20.2359% | 224 |
| Core capital (leverage) ratio | 18.6590% | 262 |
| Tier 1 risk-based capital ratio | 34.4288% | 362 |
| Total risk-based capital ratio | 35.6832% | 356 |
| Memoranda: | ||
| Average total assets | $82,331,330 | 5,373 |
| Average earning assets | $76,627,000 | 5,310 |
| Average equity | $16,432,330 | 3,741 |
| Average total loans | $37,639,670 | 5,700 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9555% | 5,890 |
| Cost of funding earning assets | 0.3051% | 6,826 |
| Net interest margin | 3.6504% | 4,048 |
| Noninterest income to average assets | 0.5723% | 3,403 |
| Noninterest expense to average assets | 2.9489% | 3,449 |
| Loan and lease loss provision to assets | 0.0582% | 4,685 |
| Net operating income to assets | 0.9312% | 2,785 |
| Return on assets (ROA) | 0.9312% | 2,988 |
| Pretax return on assets | 0.9312% | 3,928 |
| Return on Equity (ROE) | 4.6983% | 4,938 |
| Retained earnings to average equity (ytd only) | -1.7618% | 6,250 |
| Net charge-offs to loans | 0.6177% | 1,549 |
| Credit loss provision to net charge-offs | 20.6897% | 3,763 |
| Earnings coverage of net charge-offs (x) | 3.5172% | 2,814 |
| Efficiency ratio | 74.8768% | 2,963 |
| Assets per employee ($millions) | 3.8345% | 4,353 |
| Cash dividends to net income (ytd only)* | 137.5000% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9486% | 2,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 5,695 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 43.3635% | 6,065 |
| Net loans and leases to deposits | 55.0446% | 5,702 |
| Net loans and leases to core deposits | 56.4766% | 5,863 |
| Total domestic deposits to total assets | 78.7788% | 6,124 |
| Equity capital to assets | 19.3506% | 257 |
| Core capital (leverage) ratio | 18.6175% | 260 |
| Tier 1 risk-based capital ratio | 34.7834% | 345 |
| Total risk-based capital ratio | 36.0380% | 337 |
| Memoranda: | ||
| Average total assets | $82,471,000 | 5,403 |
| Average earning assets | $76,045,500 | 5,362 |
| Average equity | $16,346,500 | 3,758 |
| Average total loans | $37,560,500 | 5,751 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 5,394 |
| Cost of funding earning assets | 0.3557% | 6,996 |
| Net interest margin | 4.0509% | 2,632 |
| Noninterest income to average assets | 0.7010% | 2,597 |
| Noninterest expense to average assets | 3.3584% | 2,345 |
| Loan and lease loss provision to assets | 0.0617% | 5,841 |
| Net operating income to assets | 1.1036% | 1,814 |
| Return on assets (ROA) | 1.1036% | 1,934 |
| Pretax return on assets | 1.1036% | 2,821 |
| Return on Equity (ROE) | 5.3996% | 4,201 |
| Retained earnings to average equity (ytd only) | 1.0384% | 5,374 |
| Net charge-offs to loans | -0.0026% | 6,811 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2394% | 3,187 |
| Assets per employee ($millions) | 3.3576% | 5,352 |
| Cash dividends to net income (ytd only)* | 80.7692% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0443% | 2,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 5,336 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 45.9650% | 6,016 |
| Net loans and leases to deposits | 59.4953% | 5,546 |
| Net loans and leases to core deposits | 61.1504% | 5,738 |
| Total domestic deposits to total assets | 77.2582% | 6,306 |
| Equity capital to assets | 20.3132% | 215 |
| Core capital (leverage) ratio | 18.7948% | 258 |
| Tier 1 risk-based capital ratio | 34.7991% | 335 |
| Total risk-based capital ratio | 36.0551% | 329 |
| Memoranda: | ||
| Average total assets | $77,744,800 | 5,515 |
| Average earning assets | $73,367,200 | 5,424 |
| Average equity | $15,890,200 | 3,743 |
| Average total loans | $37,795,200 | 5,792 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 5,364 |
| Cost of funding earning assets | 0.3666% | 7,093 |
| Net interest margin | 4.1002% | 2,475 |
| Noninterest income to average assets | 0.6836% | 2,704 |
| Noninterest expense to average assets | 3.2313% | 2,724 |
| Loan and lease loss provision to assets | 0.0623% | 5,669 |
| Net operating income to assets | 1.2617% | 1,479 |
| Return on assets (ROA) | 1.2617% | 1,589 |
| Pretax return on assets | 1.2617% | 2,422 |
| Return on Equity (ROE) | 6.1633% | 3,944 |
| Retained earnings to average equity (ytd only) | 0.3044% | 5,860 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9347% | 3,756 |
| Assets per employee ($millions) | 3.2248% | 5,621 |
| Cash dividends to net income (ytd only)* | 95.0616% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 2,391 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 5,105 |
| Noncurrent loans to loans | 1.4853% | 4,071 |
| Net loans and leases to total assets | 48.6033% | 5,881 |
| Net loans and leases to deposits | 62.6292% | 5,330 |
| Net loans and leases to core deposits | 64.4336% | 5,569 |
| Total domestic deposits to total assets | 77.6048% | 6,275 |
| Equity capital to assets | 21.0825% | 206 |
| Core capital (leverage) ratio | 19.5531% | 237 |
| Tier 1 risk-based capital ratio | 34.9121% | 357 |
| Total risk-based capital ratio | 36.1691% | 350 |
| Memoranda: | ||
| Average total assets | $77,035,250 | 5,575 |
| Average earning assets | $72,743,000 | 5,489 |
| Average equity | $15,770,500 | 3,778 |
| Average total loans | $37,790,750 | 5,846 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 5,475 |
| Cost of funding earning assets | 0.3784% | 7,177 |
| Net interest margin | 4.0846% | 2,471 |
| Noninterest income to average assets | 0.6475% | 2,862 |
| Noninterest expense to average assets | 3.2217% | 2,829 |
| Loan and lease loss provision to assets | 0.0624% | 5,524 |
| Net operating income to assets | 1.2091% | 1,541 |
| Return on assets (ROA) | 1.2091% | 1,629 |
| Pretax return on assets | 1.2091% | 2,447 |
| Return on Equity (ROE) | 5.9660% | 3,991 |
| Retained earnings to average equity (ytd only) | -2.9253% | 6,368 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7014% | 3,795 |
| Assets per employee ($millions) | 3.2524% | 5,524 |
| Cash dividends to net income (ytd only)* | 149.0323% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 2,460 |
| Loan loss allowance to noncurrent loans | 153.2787% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 5,468 |
| Noncurrent loans to loans | 1.2833% | 4,517 |
| Net loans and leases to total assets | 47.7568% | 6,078 |
| Net loans and leases to deposits | 61.0025% | 5,612 |
| Net loans and leases to core deposits | 62.7280% | 5,833 |
| Total domestic deposits to total assets | 78.2867% | 6,233 |
| Equity capital to assets | 20.3977% | 241 |
| Core capital (leverage) ratio | 19.2312% | 260 |
| Tier 1 risk-based capital ratio | 34.9265% | 351 |
| Total risk-based capital ratio | 36.1829% | 342 |
| Memoranda: | ||
| Average total assets | $76,915,000 | 5,623 |
| Average earning assets | $72,418,000 | 5,541 |
| Average equity | $15,588,330 | 3,802 |
| Average total loans | $37,595,330 | 5,912 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 5,676 |
| Cost of funding earning assets | 0.3845% | 7,253 |
| Net interest margin | 4.0208% | 2,603 |
| Noninterest income to average assets | 0.6078% | 3,105 |
| Noninterest expense to average assets | 3.1804% | 2,961 |
| Loan and lease loss provision to assets | 0.0629% | 5,203 |
| Net operating income to assets | 1.1998% | 1,521 |
| Return on assets (ROA) | 1.1998% | 1,568 |
| Pretax return on assets | 1.1998% | 2,366 |
| Return on Equity (ROE) | 5.9398% | 3,940 |
| Retained earnings to average equity (ytd only) | -12.0351% | 6,940 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5802% | 3,946 |
| Assets per employee ($millions) | 3.1714% | 5,790 |
| Cash dividends to net income (ytd only)* | 302.6201% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9827% | 2,462 |
| Loan loss allowance to noncurrent loans | 150.8197% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 5,457 |
| Noncurrent loans to loans | 1.3146% | 4,501 |
| Net loans and leases to total assets | 47.8046% | 6,102 |
| Net loans and leases to deposits | 60.6919% | 5,653 |
| Net loans and leases to core deposits | 62.4395% | 5,884 |
| Total domestic deposits to total assets | 78.7661% | 6,245 |
| Equity capital to assets | 19.9963% | 260 |
| Core capital (leverage) ratio | 19.1150% | 266 |
| Tier 1 risk-based capital ratio | 35.0782% | 346 |
| Total risk-based capital ratio | 36.3341% | 339 |
| Memoranda: | ||
| Average total assets | $76,343,500 | 5,693 |
| Average earning assets | $72,821,000 | 5,577 |
| Average equity | $15,421,500 | 3,824 |
| Average total loans | $37,380,000 | 5,975 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 5,428 |
| Cost of funding earning assets | 0.5714% | 7,177 |
| Net interest margin | 4.2236% | 2,081 |
| Noninterest income to average assets | 0.7669% | 2,447 |
| Noninterest expense to average assets | 3.2174% | 3,023 |
| Loan and lease loss provision to assets | 0.0620% | 6,522 |
| Net operating income to assets | 1.4576% | 843 |
| Return on assets (ROA) | 1.4576% | 905 |
| Pretax return on assets | 1.4576% | 1,488 |
| Return on Equity (ROE) | 7.0408% | 3,103 |
| Retained earnings to average equity (ytd only) | -0.9791% | 5,801 |
| Net charge-offs to loans | 0.0282% | 6,521 |
| Credit loss provision to net charge-offs | 480.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 117.7000% | 218 |
| Efficiency ratio | 67.9204% | 4,576 |
| Assets per employee ($millions) | 3.0629% | 5,968 |
| Cash dividends to net income (ytd only)* | 113.9061% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 2,487 |
| Loan loss allowance to noncurrent loans | 132.1168% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 5,378 |
| Noncurrent loans to loans | 1.4560% | 4,301 |
| Net loans and leases to total assets | 48.2076% | 6,373 |
| Net loans and leases to deposits | 64.6808% | 5,549 |
| Net loans and leases to core deposits | 68.1146% | 5,650 |
| Total domestic deposits to total assets | 74.5315% | 6,826 |
| Equity capital to assets | 20.4028% | 235 |
| Core capital (leverage) ratio | 19.5565% | 255 |
| Tier 1 risk-based capital ratio | 35.7407% | 326 |
| Total risk-based capital ratio | 36.9955% | 320 |
| Memoranda: | ||
| Average total assets | $77,454,200 | 5,663 |
| Average earning assets | $72,804,800 | 5,573 |
| Average equity | $16,035,200 | 3,756 |
| Average total loans | $35,495,400 | 6,139 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 5,330 |
| Cost of funding earning assets | 0.6077% | 7,274 |
| Net interest margin | 4.2777% | 1,920 |
| Noninterest income to average assets | 0.8016% | 2,227 |
| Noninterest expense to average assets | 3.0485% | 3,579 |
| Loan and lease loss provision to assets | 0.0618% | 6,448 |
| Net operating income to assets | 1.6908% | 632 |
| Return on assets (ROA) | 1.6908% | 687 |
| Pretax return on assets | 1.6908% | 1,136 |
| Return on Equity (ROE) | 8.1378% | 2,846 |
| Retained earnings to average equity (ytd only) | -2.4868% | 6,280 |
| Net charge-offs to loans | 0.0381% | 6,176 |
| Credit loss provision to net charge-offs | 360.0000% | 861 |
| Earnings coverage of net charge-offs (x) | 102.1230% | 302 |
| Efficiency ratio | 63.4966% | 5,341 |
| Assets per employee ($millions) | 3.1738% | 5,738 |
| Cash dividends to net income (ytd only)* | 130.5581% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9729% | 2,294 |
| Loan loss allowance to noncurrent loans | 144.7154% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 5,619 |
| Noncurrent loans to loans | 1.3633% | 4,585 |
| Net loans and leases to total assets | 46.4436% | 6,658 |
| Net loans and leases to deposits | 59.5532% | 6,347 |
| Net loans and leases to core deposits | 63.8978% | 6,306 |
| Total domestic deposits to total assets | 77.9867% | 6,263 |
| Equity capital to assets | 21.1298% | 229 |
| Core capital (leverage) ratio | 19.5666% | 263 |
| Tier 1 risk-based capital ratio | 37.4332% | 297 |
| Total risk-based capital ratio | 38.6906% | 292 |
| Memoranda: | ||
| Average total assets | $77,674,500 | 5,729 |
| Average earning assets | $72,622,250 | 5,646 |
| Average equity | $16,138,250 | 3,784 |
| Average total loans | $34,959,750 | 6,240 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 5,254 |
| Cost of funding earning assets | 0.6294% | 7,344 |
| Net interest margin | 4.3044% | 1,757 |
| Noninterest income to average assets | 0.8161% | 2,037 |
| Noninterest expense to average assets | 3.0470% | 3,531 |
| Loan and lease loss provision to assets | 0.0614% | 6,338 |
| Net operating income to assets | 1.7320% | 549 |
| Return on assets (ROA) | 1.7320% | 600 |
| Pretax return on assets | 1.7320% | 996 |
| Return on Equity (ROE) | 8.3825% | 2,720 |
| Retained earnings to average equity (ytd only) | -0.1114% | 5,758 |
| Net charge-offs to loans | 0.0289% | 5,930 |
| Credit loss provision to net charge-offs | 480.0000% | 775 |
| Earnings coverage of net charge-offs (x) | 140.2000% | 245 |
| Efficiency ratio | 62.9493% | 5,530 |
| Assets per employee ($millions) | 3.0935% | 5,934 |
| Cash dividends to net income (ytd only)* | 101.3294% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 2,232 |
| Loan loss allowance to noncurrent loans | 144.4672% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 5,646 |
| Noncurrent loans to loans | 1.3700% | 4,652 |
| Net loans and leases to total assets | 45.1460% | 6,840 |
| Net loans and leases to deposits | 58.0774% | 6,569 |
| Net loans and leases to core deposits | 66.2046% | 6,227 |
| Total domestic deposits to total assets | 77.7341% | 6,327 |
| Equity capital to assets | 21.0944% | 231 |
| Core capital (leverage) ratio | 19.7057% | 262 |
| Tier 1 risk-based capital ratio | 38.8033% | 271 |
| Total risk-based capital ratio | 40.0594% | 264 |
| Memoranda: | ||
| Average total assets | $78,175,330 | 5,751 |
| Average earning assets | $73,088,330 | 5,671 |
| Average equity | $16,152,670 | 3,768 |
| Average total loans | $34,583,330 | 6,308 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 5,430 |
| Cost of funding earning assets | 0.6533% | 7,427 |
| Net interest margin | 4.2548% | 1,839 |
| Noninterest income to average assets | 0.8245% | 1,914 |
| Noninterest expense to average assets | 3.0079% | 3,651 |
| Loan and lease loss provision to assets | 0.0611% | 6,032 |
| Net operating income to assets | 1.7660% | 533 |
| Return on assets (ROA) | 1.7660% | 584 |
| Pretax return on assets | 1.7660% | 944 |
| Return on Equity (ROE) | 8.6361% | 2,613 |
| Retained earnings to average equity (ytd only) | -8.4370% | 6,861 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2105% | 5,796 |
| Assets per employee ($millions) | 3.1576% | 5,867 |
| Cash dividends to net income (ytd only)* | 197.6945% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0262% | 2,115 |
| Loan loss allowance to noncurrent loans | 143.0328% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.7233% | 5,721 |
| Noncurrent loans to loans | 1.4166% | 4,612 |
| Net loans and leases to total assets | 42.7540% | 7,077 |
| Net loans and leases to deposits | 54.6647% | 6,876 |
| Net loans and leases to core deposits | 63.5079% | 6,490 |
| Total domestic deposits to total assets | 78.2113% | 6,265 |
| Equity capital to assets | 20.1520% | 283 |
| Core capital (leverage) ratio | 18.6950% | 327 |
| Tier 1 risk-based capital ratio | 37.8307% | 292 |
| Total risk-based capital ratio | 39.0846% | 284 |
| Memoranda: | ||
| Average total assets | $78,594,000 | 5,808 |
| Average earning assets | $74,081,500 | 5,705 |
| Average equity | $16,072,000 | 3,820 |
| Average total loans | $34,065,000 | 6,416 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 5,794 |
| Cost of funding earning assets | 0.8792% | 7,438 |
| Net interest margin | 4.2893% | 1,747 |
| Noninterest income to average assets | 0.7929% | 2,438 |
| Noninterest expense to average assets | 3.2927% | 3,031 |
| Loan and lease loss provision to assets | 0.0598% | 6,965 |
| Net operating income to assets | 1.4973% | 676 |
| Return on assets (ROA) | 1.4973% | 730 |
| Pretax return on assets | 1.4973% | 1,191 |
| Return on Equity (ROE) | 7.3668% | 2,634 |
| Retained earnings to average equity (ytd only) | -0.2147% | 4,994 |
| Net charge-offs to loans | -0.0030% | 7,703 |
| Credit loss provision to net charge-offs | -4,800.0000% | 7,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8920% | 5,021 |
| Assets per employee ($millions) | 3.1299% | 5,915 |
| Cash dividends to net income (ytd only)* | 102.9142% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0367% | 1,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 7,226 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 42.1685% | 7,243 |
| Net loans and leases to deposits | 54.3055% | 7,031 |
| Net loans and leases to core deposits | 63.8319% | 7,097 |
| Total domestic deposits to total assets | 77.6505% | 6,311 |
| Equity capital to assets | 20.7494% | 260 |
| Core capital (leverage) ratio | 18.8615% | 347 |
| Tier 1 risk-based capital ratio | 39.4829% | 263 |
| Total risk-based capital ratio | 40.7398% | 256 |
| Memoranda: | ||
| Average total assets | $80,208,800 | 5,725 |
| Average earning assets | $75,863,600 | 5,607 |
| Average equity | $16,302,800 | 3,821 |
| Average total loans | $33,343,200 | 6,438 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 6,044 |
| Cost of funding earning assets | 0.9093% | 7,537 |
| Net interest margin | 4.2555% | 1,854 |
| Noninterest income to average assets | 0.8030% | 2,415 |
| Noninterest expense to average assets | 3.0698% | 3,769 |
| Loan and lease loss provision to assets | 0.0595% | 6,769 |
| Net operating income to assets | 1.7100% | 550 |
| Return on assets (ROA) | 1.7100% | 581 |
| Pretax return on assets | 1.7100% | 953 |
| Return on Equity (ROE) | 8.4560% | 2,467 |
| Retained earnings to average equity (ytd only) | -1.6421% | 5,642 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4346% | 5,852 |
| Assets per employee ($millions) | 3.3557% | 5,246 |
| Cash dividends to net income (ytd only)* | 119.4200% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 1,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 7,289 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 40.9817% | 7,413 |
| Net loans and leases to deposits | 52.5256% | 7,279 |
| Net loans and leases to core deposits | 61.5294% | 7,341 |
| Total domestic deposits to total assets | 78.0223% | 6,084 |
| Equity capital to assets | 20.1761% | 330 |
| Core capital (leverage) ratio | 18.5031% | 417 |
| Tier 1 risk-based capital ratio | 38.9543% | 298 |
| Total risk-based capital ratio | 40.2104% | 293 |
| Memoranda: | ||
| Average total assets | $80,699,000 | 5,739 |
| Average earning assets | $76,541,250 | 5,616 |
| Average equity | $16,319,500 | 3,850 |
| Average total loans | $33,258,500 | 6,496 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1432% | 6,278 |
| Cost of funding earning assets | 0.9368% | 7,650 |
| Net interest margin | 4.2064% | 1,976 |
| Noninterest income to average assets | 0.8124% | 2,354 |
| Noninterest expense to average assets | 2.8804% | 4,579 |
| Loan and lease loss provision to assets | 0.0594% | 6,625 |
| Net operating income to assets | 1.8872% | 384 |
| Return on assets (ROA) | 1.8872% | 415 |
| Pretax return on assets | 1.8872% | 714 |
| Return on Equity (ROE) | 9.3251% | 2,246 |
| Retained earnings to average equity (ytd only) | 1.5419% | 4,469 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6716% | 6,595 |
| Assets per employee ($millions) | 3.2423% | 5,471 |
| Cash dividends to net income (ytd only)* | 83.4646% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 1,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 7,323 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 40.0183% | 7,555 |
| Net loans and leases to deposits | 51.2619% | 7,420 |
| Net loans and leases to core deposits | 62.8607% | 7,343 |
| Total domestic deposits to total assets | 78.0663% | 6,056 |
| Equity capital to assets | 20.1794% | 367 |
| Core capital (leverage) ratio | 19.0157% | 418 |
| Tier 1 risk-based capital ratio | 39.4812% | 320 |
| Total risk-based capital ratio | 40.7376% | 310 |
| Memoranda: | ||
| Average total assets | $80,753,330 | 5,772 |
| Average earning assets | $77,072,670 | 5,629 |
| Average equity | $16,343,000 | 3,845 |
| Average total loans | $33,118,670 | 6,547 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 6,499 |
| Cost of funding earning assets | 0.9640% | 7,728 |
| Net interest margin | 4.1827% | 1,964 |
| Noninterest income to average assets | 0.8685% | 1,997 |
| Noninterest expense to average assets | 2.6054% | 5,427 |
| Loan and lease loss provision to assets | 0.0596% | 6,212 |
| Net operating income to assets | 2.2084% | 227 |
| Return on assets (ROA) | 2.2084% | 263 |
| Pretax return on assets | 2.2084% | 437 |
| Return on Equity (ROE) | 10.8962% | 2,001 |
| Retained earnings to average equity (ytd only) | -4.6768% | 6,512 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4623% | 7,273 |
| Assets per employee ($millions) | 3.5378% | 4,731 |
| Cash dividends to net income (ytd only)* | 142.9213% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9420% | 1,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 7,296 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 38.5956% | 7,635 |
| Net loans and leases to deposits | 48.8383% | 7,545 |
| Net loans and leases to core deposits | 57.9047% | 7,531 |
| Total domestic deposits to total assets | 79.0274% | 5,716 |
| Equity capital to assets | 19.1117% | 478 |
| Core capital (leverage) ratio | 18.9324% | 456 |
| Tier 1 risk-based capital ratio | 37.7217% | 364 |
| Total risk-based capital ratio | 38.9767% | 357 |
| Memoranda: | ||
| Average total assets | $80,601,000 | 5,801 |
| Average earning assets | $77,174,500 | 5,648 |
| Average equity | $16,336,000 | 3,880 |
| Average total loans | $33,128,500 | 6,582 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7877% | 6,476 |
| Cost of funding earning assets | 1.4790% | 7,644 |
| Net interest margin | 4.3087% | 1,946 |
| Noninterest income to average assets | 0.8102% | 2,461 |
| Noninterest expense to average assets | 2.6065% | 5,628 |
| Loan and lease loss provision to assets | 0.1523% | 5,415 |
| Net operating income to assets | 2.1171% | 281 |
| Return on assets (ROA) | 2.1171% | 269 |
| Pretax return on assets | 2.1171% | 470 |
| Return on Equity (ROE) | 11.0020% | 1,904 |
| Retained earnings to average equity (ytd only) | 6.9930% | 1,154 |
| Net charge-offs to loans | 0.3623% | 3,023 |
| Credit loss provision to net charge-offs | 101.6667% | 5,236 |
| Earnings coverage of net charge-offs (x) | 15.1500% | 1,958 |
| Efficiency ratio | 53.4562% | 7,333 |
| Assets per employee ($millions) | 3.3172% | 5,169 |
| Cash dividends to net income (ytd only)* | 36.4387% | 3,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 1,333 |
| Loan loss allowance to noncurrent loans | 31,850.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 7,131 |
| Noncurrent loans to loans | 0.0061% | 7,532 |
| Net loans and leases to total assets | 42.2054% | 7,574 |
| Net loans and leases to deposits | 54.9852% | 7,382 |
| Net loans and leases to core deposits | 62.6211% | 7,490 |
| Total domestic deposits to total assets | 76.7576% | 6,051 |
| Equity capital to assets | 21.5542% | 374 |
| Core capital (leverage) ratio | 19.9773% | 447 |
| Tier 1 risk-based capital ratio | 40.7631% | 325 |
| Total risk-based capital ratio | 42.0182% | 313 |
| Memoranda: | ||
| Average total assets | $80,108,400 | 5,704 |
| Average earning assets | $75,591,800 | 5,604 |
| Average equity | $15,415,400 | 4,049 |
| Average total loans | $33,118,400 | 6,537 |