Home > The First National Bank of Stanton > Performance and Condition Ratios
The First National Bank of Stanton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 3,620 |
| Cost of funding earning assets | 0.5351% | 4,163 |
| Net interest margin | 3.6656% | 1,821 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 1.3746% | 4,404 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.2661% | 314 |
| Return on assets (ROA) | 2.1701% | 348 |
| Pretax return on assets | 2.6642% | 289 |
| Return on Equity (ROE) | 22.1500% | 452 |
| Retained earnings to average equity (ytd only) | 18.8065% | 157 |
| Net charge-offs to loans | -0.0160% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 32.0728% | 4,485 |
| Assets per employee ($millions) | 16.4035% | 163 |
| Cash dividends to net income (ytd only)* | 15.0812% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0642% | 337 |
| Loan loss allowance to noncurrent loans | 9,855.5556% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,783 |
| Noncurrent loans to loans | 0.0209% | 3,592 |
| Net loans and leases to total assets | 21.3800% | 4,394 |
| Net loans and leases to deposits | 24.0277% | 4,403 |
| Net loans and leases to core deposits | 24.3514% | 4,437 |
| Total domestic deposits to total assets | 88.9800% | 1,070 |
| Equity capital to assets | 10.8818% | 1,537 |
| Core capital (leverage) ratio | 14.1527% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7363% | 208 |
| Memoranda: | ||
| Average total assets | $383,160,800 | 2,067 |
| Average earning assets | $359,722,800 | 2,044 |
| Average equity | $37,545,600 | 1,956 |
| Average total loans | $75,215,800 | 3,476 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 3,572 |
| Cost of funding earning assets | 0.4664% | 4,180 |
| Net interest margin | 3.6772% | 1,829 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 1.3241% | 4,437 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 2.3074% | 325 |
| Return on assets (ROA) | 2.1769% | 386 |
| Pretax return on assets | 2.6681% | 327 |
| Return on Equity (ROE) | 22.8700% | 499 |
| Retained earnings to average equity (ytd only) | 22.3579% | 181 |
| Net charge-offs to loans | 0.0147% | 1,870 |
| Credit loss provision to net charge-offs | 5,137.5000% | 102 |
| Earnings coverage of net charge-offs (x) | 1,060.0000% | 145 |
| Efficiency ratio | 30.8263% | 4,509 |
| Assets per employee ($millions) | 14.9602% | 196 |
| Cash dividends to net income (ytd only)* | 2.2372% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0147% | 381 |
| Loan loss allowance to noncurrent loans | 8,360.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 3,808 |
| Noncurrent loans to loans | 0.0241% | 3,595 |
| Net loans and leases to total assets | 22.6500% | 4,411 |
| Net loans and leases to deposits | 25.3704% | 4,420 |
| Net loans and leases to core deposits | 25.8620% | 4,417 |
| Total domestic deposits to total assets | 89.2700% | 1,163 |
| Equity capital to assets | 10.5444% | 1,539 |
| Core capital (leverage) ratio | 14.1487% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9074% | 206 |
| Memoranda: | ||
| Average total assets | $380,529,750 | 2,078 |
| Average earning assets | $358,201,000 | 2,042 |
| Average equity | $36,222,000 | 1,998 |
| Average total loans | $72,534,000 | 3,524 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 3,672 |
| Cost of funding earning assets | 0.3533% | 4,237 |
| Net interest margin | 3.6539% | 1,907 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 1.2685% | 4,486 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 2.3761% | 281 |
| Return on assets (ROA) | 2.2234% | 336 |
| Pretax return on assets | 2.7202% | 277 |
| Return on Equity (ROE) | 24.1600% | 416 |
| Retained earnings to average equity (ytd only) | 23.6403% | 151 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 29.7520% | 4,543 |
| Assets per employee ($millions) | 15.1895% | 191 |
| Cash dividends to net income (ytd only)* | 2.1578% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8289% | 569 |
| Loan loss allowance to noncurrent loans | 4,503.1250% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,763 |
| Noncurrent loans to loans | 0.0406% | 3,436 |
| Net loans and leases to total assets | 21.2200% | 4,444 |
| Net loans and leases to deposits | 23.6681% | 4,456 |
| Net loans and leases to core deposits | 24.0107% | 4,450 |
| Total domestic deposits to total assets | 89.6500% | 1,034 |
| Equity capital to assets | 10.2193% | 1,734 |
| Core capital (leverage) ratio | 13.0464% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3661% | 202 |
| Memoranda: | ||
| Average total assets | $387,691,667 | 2,053 |
| Average earning assets | $366,295,000 | 2,027 |
| Average equity | $35,676,333 | 2,033 |
| Average total loans | $69,049,333 | 3,583 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 3,800 |
| Cost of funding earning assets | 0.3223% | 4,136 |
| Net interest margin | 3.5089% | 2,336 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 1.2423% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3475% | 300 |
| Return on assets (ROA) | 2.0608% | 446 |
| Pretax return on assets | 2.5026% | 358 |
| Return on Equity (ROE) | 23.5800% | 472 |
| Retained earnings to average equity (ytd only) | 23.0570% | 240 |
| Net charge-offs to loans | -0.0062% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 30.3401% | 4,605 |
| Assets per employee ($millions) | 17.8915% | 124 |
| Cash dividends to net income (ytd only)* | 2.2363% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 430 |
| Loan loss allowance to noncurrent loans | 4,233.3333% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,804 |
| Noncurrent loans to loans | 0.0474% | 3,397 |
| Net loans and leases to total assets | 15.0600% | 4,552 |
| Net loans and leases to deposits | 16.5508% | 4,556 |
| Net loans and leases to core deposits | 16.7714% | 4,547 |
| Total domestic deposits to total assets | 90.9900% | 804 |
| Equity capital to assets | 8.8794% | 2,606 |
| Core capital (leverage) ratio | 11.7213% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4171% | 210 |
| Memoranda: | ||
| Average total assets | $399,264,000 | 2,043 |
| Average earning assets | $377,328,500 | 2,009 |
| Average equity | $34,887,500 | 2,084 |
| Average total loans | $64,178,000 | 3,693 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7836% | 4,340 |
| Cost of funding earning assets | 0.0476% | 4,580 |
| Net interest margin | 2.7360% | 3,999 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.3054% | 4,554 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.4568% | 990 |
| Return on assets (ROA) | 1.4204% | 1,039 |
| Pretax return on assets | 1.6761% | 981 |
| Return on Equity (ROE) | 18.7200% | 607 |
| Retained earnings to average equity (ytd only) | 15.5927% | 246 |
| Net charge-offs to loans | -0.0737% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 42.9005% | 4,466 |
| Assets per employee ($millions) | 16.1260% | 161 |
| Cash dividends to net income (ytd only)* | 16.7258% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9489% | 477 |
| Loan loss allowance to noncurrent loans | 3,845.4545% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,818 |
| Noncurrent loans to loans | 0.0507% | 3,396 |
| Net loans and leases to total assets | 16.5000% | 4,571 |
| Net loans and leases to deposits | 18.0671% | 4,578 |
| Net loans and leases to core deposits | 18.3089% | 4,572 |
| Total domestic deposits to total assets | 91.3000% | 839 |
| Equity capital to assets | 8.5876% | 2,642 |
| Core capital (leverage) ratio | 11.6536% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5874% | 210 |
| Memoranda: | ||
| Average total assets | $357,372,800 | 2,192 |
| Average earning assets | $335,967,400 | 2,173 |
| Average equity | $27,108,800 | 2,474 |
| Average total loans | $59,702,600 | 3,736 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4915% | 4,450 |
| Cost of funding earning assets | 0.0203% | 4,664 |
| Net interest margin | 2.4712% | 4,233 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.2854% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1825% | 1,761 |
| Return on assets (ROA) | 1.1723% | 1,771 |
| Pretax return on assets | 1.3677% | 1,821 |
| Return on Equity (ROE) | 16.0400% | 966 |
| Retained earnings to average equity (ytd only) | 15.4875% | 321 |
| Net charge-offs to loans | -0.0960% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.2345% | 4,261 |
| Assets per employee ($millions) | 15.5784% | 180 |
| Cash dividends to net income (ytd only)* | 3.4449% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 547 |
| Loan loss allowance to noncurrent loans | 3,079.4872% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,874 |
| Noncurrent loans to loans | 0.0633% | 3,425 |
| Net loans and leases to total assets | 16.1600% | 4,616 |
| Net loans and leases to deposits | 17.5205% | 4,622 |
| Net loans and leases to core deposits | 17.7530% | 4,613 |
| Total domestic deposits to total assets | 92.2300% | 802 |
| Equity capital to assets | 7.6409% | 3,130 |
| Core capital (leverage) ratio | 11.2241% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $349,960,000 | 2,238 |
| Average earning assets | $328,795,250 | 2,211 |
| Average equity | $25,577,000 | 2,590 |
| Average total loans | $58,350,000 | 3,774 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2169% | 4,559 |
| Cost of funding earning assets | 0.0181% | 4,722 |
| Net interest margin | 2.1988% | 4,434 |
| Noninterest income to average assets | 0.2205% | 3,875 |
| Noninterest expense to average assets | 1.3088% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8572% | 2,745 |
| Return on assets (ROA) | 0.8562% | 2,726 |
| Pretax return on assets | 0.9731% | 2,817 |
| Return on Equity (ROE) | 11.9121% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.4076% | 715 |
| Net charge-offs to loans | -0.1083% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3258% | 3,640 |
| Assets per employee ($millions) | 14.5225% | 217 |
| Cash dividends to net income (ytd only)* | 4.2350% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0236% | 524 |
| Loan loss allowance to noncurrent loans | 6,611.1111% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,002 |
| Noncurrent loans to loans | 0.0306% | 3,725 |
| Net loans and leases to total assets | 16.5307% | 4,676 |
| Net loans and leases to deposits | 17.5022% | 4,687 |
| Net loans and leases to core deposits | 17.7291% | 4,682 |
| Total domestic deposits to total assets | 94.4491% | 202 |
| Equity capital to assets | 5.4275% | 4,388 |
| Core capital (leverage) ratio | 8.4221% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9171% | 324 |
| Memoranda: | ||
| Average total assets | $341,986,333 | 2,286 |
| Average earning assets | $320,807,667 | 2,268 |
| Average equity | $24,580,000 | 2,705 |
| Average total loans | $57,261,000 | 3,841 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0685% | 4,593 |
| Cost of funding earning assets | 0.0175% | 4,739 |
| Net interest margin | 2.0510% | 4,480 |
| Noninterest income to average assets | 0.1370% | 4,331 |
| Noninterest expense to average assets | 1.2790% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7119% | 3,014 |
| Return on assets (ROA) | 0.7098% | 3,004 |
| Pretax return on assets | 0.7901% | 3,138 |
| Return on Equity (ROE) | 8.7700% | 2,404 |
| Retained earnings to average equity (ytd only) | 8.3177% | 1,483 |
| Net charge-offs to loans | -0.0921% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7446% | 3,296 |
| Assets per employee ($millions) | 14.3428% | 234 |
| Cash dividends to net income (ytd only)* | 5.1581% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0587% | 563 |
| Loan loss allowance to noncurrent loans | 117,200.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,131 |
| Noncurrent loans to loans | 0.0018% | 4,040 |
| Net loans and leases to total assets | 16.1977% | 4,701 |
| Net loans and leases to deposits | 17.4579% | 4,710 |
| Net loans and leases to core deposits | 17.6910% | 4,709 |
| Total domestic deposits to total assets | 92.7815% | 327 |
| Equity capital to assets | 7.1188% | 4,152 |
| Core capital (leverage) ratio | 7.9420% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1818% | 287 |
| Memoranda: | ||
| Average total assets | $338,710,000 | 2,304 |
| Average earning assets | $319,453,000 | 2,289 |
| Average equity | $27,411,500 | 2,640 |
| Average total loans | $56,488,500 | 3,856 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2795% | 4,600 |
| Cost of funding earning assets | 0.0203% | 4,774 |
| Net interest margin | 2.2592% | 4,448 |
| Noninterest income to average assets | 0.1624% | 4,340 |
| Noninterest expense to average assets | 1.4633% | 4,575 |
| Loan and lease loss provision to assets | -0.0353% | 4,292 |
| Net operating income to assets | 0.7900% | 3,362 |
| Return on assets (ROA) | 0.7917% | 3,425 |
| Pretax return on assets | 0.8619% | 3,593 |
| Return on Equity (ROE) | 7.3080% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.0857% | 2,327 |
| Net charge-offs to loans | -0.0646% | 4,432 |
| Credit loss provision to net charge-offs | 294.1176% | 1,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9506% | 2,573 |
| Assets per employee ($millions) | 13.8830% | 247 |
| Cash dividends to net income (ytd only)* | 16.7261% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0679% | 551 |
| Loan loss allowance to noncurrent loans | 28,975.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,195 |
| Noncurrent loans to loans | 0.0071% | 4,054 |
| Net loans and leases to total assets | 16.4737% | 4,747 |
| Net loans and leases to deposits | 18.1960% | 4,754 |
| Net loans and leases to core deposits | 18.3976% | 4,752 |
| Total domestic deposits to total assets | 90.5346% | 701 |
| Equity capital to assets | 9.0993% | 3,515 |
| Core capital (leverage) ratio | 8.7496% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9417% | 310 |
| Memoranda: | ||
| Average total assets | $283,199,000 | 2,518 |
| Average earning assets | $266,464,000 | 2,513 |
| Average equity | $30,678,600 | 2,489 |
| Average total loans | $52,655,000 | 3,953 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3500% | 4,655 |
| Cost of funding earning assets | 0.0214% | 4,853 |
| Net interest margin | 2.3286% | 4,463 |
| Noninterest income to average assets | 0.1616% | 4,392 |
| Noninterest expense to average assets | 1.5451% | 4,540 |
| Loan and lease loss provision to assets | -0.0491% | 4,454 |
| Net operating income to assets | 0.7863% | 3,561 |
| Return on assets (ROA) | 0.7886% | 3,621 |
| Pretax return on assets | 0.8614% | 3,771 |
| Return on Equity (ROE) | 6.9376% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.5303% | 2,604 |
| Net charge-offs to loans | -0.0746% | 4,506 |
| Credit loss provision to net charge-offs | 344.8276% | 934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6139% | 2,157 |
| Assets per employee ($millions) | 12.2196% | 352 |
| Cash dividends to net income (ytd only)* | 5.8713% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1188% | 521 |
| Loan loss allowance to noncurrent loans | 115,400.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,306 |
| Noncurrent loans to loans | 0.0018% | 4,215 |
| Net loans and leases to total assets | 18.9684% | 4,807 |
| Net loans and leases to deposits | 21.5195% | 4,813 |
| Net loans and leases to core deposits | 21.7344% | 4,812 |
| Total domestic deposits to total assets | 88.1452% | 1,750 |
| Equity capital to assets | 11.1368% | 1,922 |
| Core capital (leverage) ratio | 9.5129% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,700,750 | 2,616 |
| Average earning assets | $254,971,500 | 2,606 |
| Average equity | $30,768,750 | 2,515 |
| Average total loans | $51,806,750 | 4,012 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4089% | 4,668 |
| Cost of funding earning assets | 0.0223% | 4,892 |
| Net interest margin | 2.3866% | 4,435 |
| Noninterest income to average assets | 0.1564% | 4,412 |
| Noninterest expense to average assets | 1.5858% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7546% | 3,631 |
| Return on assets (ROA) | 0.7573% | 3,690 |
| Pretax return on assets | 0.8180% | 3,825 |
| Return on Equity (ROE) | 6.6162% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.2108% | 2,725 |
| Net charge-offs to loans | -0.0353% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0536% | 2,143 |
| Assets per employee ($millions) | 11.7686% | 377 |
| Cash dividends to net income (ytd only)* | 6.1265% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5005% | 276 |
| Loan loss allowance to noncurrent loans | 30,850.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,329 |
| Noncurrent loans to loans | 0.0081% | 4,202 |
| Net loans and leases to total assets | 17.7761% | 4,851 |
| Net loans and leases to deposits | 20.2323% | 4,854 |
| Net loans and leases to core deposits | 20.4691% | 4,853 |
| Total domestic deposits to total assets | 87.8601% | 1,906 |
| Equity capital to assets | 11.4269% | 1,675 |
| Core capital (leverage) ratio | 9.5497% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9255% | 276 |
| Memoranda: | ||
| Average total assets | $267,250,667 | 2,633 |
| Average earning assets | $251,315,333 | 2,624 |
| Average equity | $30,591,667 | 2,505 |
| Average total loans | $50,920,667 | 4,062 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4134% | 4,708 |
| Cost of funding earning assets | 0.0240% | 4,923 |
| Net interest margin | 2.3894% | 4,423 |
| Noninterest income to average assets | 0.1476% | 4,462 |
| Noninterest expense to average assets | 1.5305% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7940% | 3,442 |
| Return on assets (ROA) | 0.7954% | 3,505 |
| Pretax return on assets | 0.8662% | 3,680 |
| Return on Equity (ROE) | 6.9422% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.5346% | 2,716 |
| Net charge-offs to loans | -0.0464% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8994% | 2,478 |
| Assets per employee ($millions) | 11.6213% | 375 |
| Cash dividends to net income (ytd only)* | 5.8712% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4006% | 306 |
| Loan loss allowance to noncurrent loans | 17,585.7143% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,390 |
| Noncurrent loans to loans | 0.0137% | 4,240 |
| Net loans and leases to total assets | 18.7239% | 4,871 |
| Net loans and leases to deposits | 21.2145% | 4,874 |
| Net loans and leases to core deposits | 21.4415% | 4,876 |
| Total domestic deposits to total assets | 88.2599% | 1,713 |
| Equity capital to assets | 11.1501% | 1,754 |
| Core capital (leverage) ratio | 9.4511% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4495% | 283 |
| Memoranda: | ||
| Average total assets | $265,537,000 | 2,627 |
| Average earning assets | $249,767,000 | 2,616 |
| Average equity | $30,422,500 | 2,510 |
| Average total loans | $51,706,000 | 4,059 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8316% | 4,735 |
| Cost of funding earning assets | 0.0363% | 4,954 |
| Net interest margin | 2.7953% | 4,273 |
| Noninterest income to average assets | 0.2127% | 4,214 |
| Noninterest expense to average assets | 1.6134% | 4,692 |
| Loan and lease loss provision to assets | 0.1279% | 2,762 |
| Net operating income to assets | 0.9746% | 2,383 |
| Return on assets (ROA) | 0.9786% | 2,511 |
| Pretax return on assets | 1.0889% | 2,741 |
| Return on Equity (ROE) | 8.7705% | 2,482 |
| Retained earnings to average equity (ytd only) | 7.4270% | 1,223 |
| Net charge-offs to loans | 0.4257% | 395 |
| Credit loss provision to net charge-offs | 139.7380% | 2,484 |
| Earnings coverage of net charge-offs (x) | 13.2445% | 2,291 |
| Efficiency ratio | 57.0944% | 3,844 |
| Assets per employee ($millions) | 11.4689% | 365 |
| Cash dividends to net income (ytd only)* | 15.3186% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3497% | 317 |
| Loan loss allowance to noncurrent loans | 8,750.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,428 |
| Noncurrent loans to loans | 0.0269% | 4,212 |
| Net loans and leases to total assets | 19.2994% | 4,890 |
| Net loans and leases to deposits | 22.0493% | 4,893 |
| Net loans and leases to core deposits | 22.2901% | 4,895 |
| Total domestic deposits to total assets | 87.5285% | 1,695 |
| Equity capital to assets | 11.7679% | 1,694 |
| Core capital (leverage) ratio | 10.1644% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8243% | 266 |
| Memoranda: | ||
| Average total assets | $250,157,400 | 2,579 |
| Average earning assets | $233,858,000 | 2,572 |
| Average equity | $27,911,800 | 2,603 |
| Average total loans | $53,790,000 | 4,029 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9330% | 4,779 |
| Cost of funding earning assets | 0.0399% | 4,993 |
| Net interest margin | 2.8931% | 4,195 |
| Noninterest income to average assets | 0.2242% | 4,151 |
| Noninterest expense to average assets | 1.6470% | 4,680 |
| Loan and lease loss provision to assets | 0.1730% | 2,255 |
| Net operating income to assets | 0.9873% | 2,380 |
| Return on assets (ROA) | 0.9926% | 2,498 |
| Pretax return on assets | 1.1104% | 2,704 |
| Return on Equity (ROE) | 9.0282% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.5662% | 1,122 |
| Net charge-offs to loans | 0.5695% | 261 |
| Credit loss provision to net charge-offs | 138.5281% | 2,398 |
| Earnings coverage of net charge-offs (x) | 10.2338% | 2,371 |
| Efficiency ratio | 56.3193% | 3,877 |
| Assets per employee ($millions) | 10.4349% | 439 |
| Cash dividends to net income (ytd only)* | 5.1170% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3032% | 297 |
| Loan loss allowance to noncurrent loans | 5,823.8095% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,462 |
| Noncurrent loans to loans | 0.0395% | 4,232 |
| Net loans and leases to total assets | 21.6151% | 4,914 |
| Net loans and leases to deposits | 25.0547% | 4,924 |
| Net loans and leases to core deposits | 25.3536% | 4,925 |
| Total domestic deposits to total assets | 86.2718% | 1,949 |
| Equity capital to assets | 12.7461% | 1,308 |
| Core capital (leverage) ratio | 10.2855% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8062% | 281 |
| Memoranda: | ||
| Average total assets | $246,750,500 | 2,583 |
| Average earning assets | $230,289,250 | 2,577 |
| Average equity | $27,129,250 | 2,659 |
| Average total loans | $54,079,250 | 4,047 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9752% | 4,854 |
| Cost of funding earning assets | 0.0431% | 5,032 |
| Net interest margin | 2.9321% | 4,258 |
| Noninterest income to average assets | 0.2506% | 3,973 |
| Noninterest expense to average assets | 1.6450% | 4,738 |
| Loan and lease loss provision to assets | 0.2570% | 1,646 |
| Net operating income to assets | 0.9624% | 2,448 |
| Return on assets (ROA) | 0.9703% | 2,553 |
| Pretax return on assets | 1.0876% | 2,749 |
| Return on Equity (ROE) | 9.3011% | 2,252 |
| Retained earnings to average equity (ytd only) | 8.8238% | 1,062 |
| Net charge-offs to loans | 0.8933% | 170 |
| Credit loss provision to net charge-offs | 131.6872% | 2,225 |
| Earnings coverage of net charge-offs (x) | 6.8436% | 2,413 |
| Efficiency ratio | 55.1873% | 4,040 |
| Assets per employee ($millions) | 10.6679% | 420 |
| Cash dividends to net income (ytd only)* | 5.1325% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2817% | 294 |
| Loan loss allowance to noncurrent loans | 2,087.9310% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,437 |
| Noncurrent loans to loans | 0.1093% | 4,018 |
| Net loans and leases to total assets | 21.1373% | 4,951 |
| Net loans and leases to deposits | 24.2392% | 4,961 |
| Net loans and leases to core deposits | 24.4437% | 4,961 |
| Total domestic deposits to total assets | 87.2030% | 1,545 |
| Equity capital to assets | 11.9477% | 1,697 |
| Core capital (leverage) ratio | 9.6418% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6214% | 317 |
| Memoranda: | ||
| Average total assets | $248,999,667 | 2,546 |
| Average earning assets | $231,850,000 | 2,540 |
| Average equity | $25,975,333 | 2,718 |
| Average total loans | $54,405,667 | 4,050 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2283% | 4,856 |
| Cost of funding earning assets | 0.0521% | 5,078 |
| Net interest margin | 3.1763% | 3,917 |
| Noninterest income to average assets | 0.3349% | 3,518 |
| Noninterest expense to average assets | 1.6729% | 4,799 |
| Loan and lease loss provision to assets | 0.2711% | 1,155 |
| Net operating income to assets | 1.0569% | 1,983 |
| Return on assets (ROA) | 1.0541% | 2,088 |
| Pretax return on assets | 1.2088% | 2,163 |
| Return on Equity (ROE) | 10.8782% | 1,449 |
| Retained earnings to average equity (ytd only) | 10.3680% | 669 |
| Net charge-offs to loans | 1.8667% | 77 |
| Credit loss provision to net charge-offs | 66.1479% | 1,990 |
| Earnings coverage of net charge-offs (x) | 3.6187% | 2,196 |
| Efficiency ratio | 53.0066% | 4,467 |
| Assets per employee ($millions) | 10.8922% | 311 |
| Cash dividends to net income (ytd only)* | 4.6899% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 554 |
| Loan loss allowance to noncurrent loans | 2,432.5581% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,551 |
| Noncurrent loans to loans | 0.0801% | 4,193 |
| Net loans and leases to total assets | 21.0071% | 5,005 |
| Net loans and leases to deposits | 23.2814% | 5,019 |
| Net loans and leases to core deposits | 23.4383% | 5,017 |
| Total domestic deposits to total assets | 90.2311% | 259 |
| Equity capital to assets | 9.5254% | 4,194 |
| Core capital (leverage) ratio | 9.5043% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8425% | 396 |
| Memoranda: | ||
| Average total assets | $250,818,500 | 2,489 |
| Average earning assets | $222,777,000 | 2,549 |
| Average equity | $24,305,500 | 2,825 |
| Average total loans | $55,071,500 | 4,050 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4167% | 4,910 |
| Cost of funding earning assets | 0.0512% | 5,143 |
| Net interest margin | 3.3655% | 3,838 |
| Noninterest income to average assets | 0.3686% | 3,497 |
| Noninterest expense to average assets | 1.6360% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5800% | 874 |
| Return on assets (ROA) | 1.5167% | 1,075 |
| Pretax return on assets | 1.7757% | 1,002 |
| Return on Equity (ROE) | 15.2784% | 638 |
| Retained earnings to average equity (ytd only) | 12.7625% | 179 |
| Net charge-offs to loans | 0.0831% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 90.6739% | 729 |
| Efficiency ratio | 46.9271% | 4,876 |
| Assets per employee ($millions) | 10.9181% | 302 |
| Cash dividends to net income (ytd only)* | 16.4668% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 455 |
| Loan loss allowance to noncurrent loans | 2,137.7358% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,552 |
| Noncurrent loans to loans | 0.0939% | 4,149 |
| Net loans and leases to total assets | 22.0363% | 5,055 |
| Net loans and leases to deposits | 24.5239% | 5,075 |
| Net loans and leases to core deposits | 24.7463% | 5,074 |
| Total domestic deposits to total assets | 89.8565% | 368 |
| Equity capital to assets | 9.8552% | 4,053 |
| Core capital (leverage) ratio | 9.7407% | 3,801 |
| Tier 1 risk-based capital ratio | 23.4795% | 867 |
| Total risk-based capital ratio | 24.7297% | 855 |
| Memoranda: | ||
| Average total assets | $225,431,000 | 2,618 |
| Average earning assets | $208,825,400 | 2,613 |
| Average equity | $22,378,000 | 2,930 |
| Average total loans | $55,336,000 | 4,073 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5218% | 4,944 |
| Cost of funding earning assets | 0.0520% | 5,221 |
| Net interest margin | 3.4698% | 3,663 |
| Noninterest income to average assets | 0.3665% | 3,520 |
| Noninterest expense to average assets | 1.6620% | 4,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6253% | 876 |
| Return on assets (ROA) | 1.5384% | 1,144 |
| Pretax return on assets | 1.8099% | 1,071 |
| Return on Equity (ROE) | 15.4656% | 689 |
| Retained earnings to average equity (ytd only) | 14.8964% | 151 |
| Net charge-offs to loans | 0.0194% | 2,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 392.4930% | 252 |
| Efficiency ratio | 46.4997% | 4,913 |
| Assets per employee ($millions) | 9.9651% | 358 |
| Cash dividends to net income (ytd only)* | 3.6803% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0286% | 434 |
| Loan loss allowance to noncurrent loans | 2,604.4444% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,641 |
| Noncurrent loans to loans | 0.0779% | 4,293 |
| Net loans and leases to total assets | 25.8188% | 5,112 |
| Net loans and leases to deposits | 29.2758% | 5,129 |
| Net loans and leases to core deposits | 29.5857% | 5,135 |
| Total domestic deposits to total assets | 88.1915% | 956 |
| Equity capital to assets | 11.1494% | 2,970 |
| Core capital (leverage) ratio | 10.3381% | 3,275 |
| Tier 1 risk-based capital ratio | 24.9383% | 769 |
| Total risk-based capital ratio | 26.1912% | 757 |
| Memoranda: | ||
| Average total assets | $219,009,500 | 2,692 |
| Average earning assets | $202,468,750 | 2,706 |
| Average equity | $21,785,500 | 2,999 |
| Average total loans | $55,052,500 | 4,124 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 5,025 |
| Cost of funding earning assets | 0.0513% | 5,264 |
| Net interest margin | 3.4248% | 3,814 |
| Noninterest income to average assets | 0.3343% | 3,699 |
| Noninterest expense to average assets | 1.6599% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5810% | 948 |
| Return on assets (ROA) | 1.4333% | 1,386 |
| Pretax return on assets | 1.6736% | 1,328 |
| Return on Equity (ROE) | 15.0146% | 754 |
| Retained earnings to average equity (ytd only) | 14.4117% | 204 |
| Net charge-offs to loans | -0.0554% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3547% | 4,929 |
| Assets per employee ($millions) | 9.5793% | 386 |
| Cash dividends to net income (ytd only)* | 4.0153% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1266% | 376 |
| Loan loss allowance to noncurrent loans | 1,244.7917% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,541 |
| Noncurrent loans to loans | 0.1708% | 3,939 |
| Net loans and leases to total assets | 26.0966% | 5,153 |
| Net loans and leases to deposits | 29.4685% | 5,172 |
| Net loans and leases to core deposits | 29.7198% | 5,181 |
| Total domestic deposits to total assets | 88.5577% | 853 |
| Equity capital to assets | 10.9384% | 3,140 |
| Core capital (leverage) ratio | 10.2495% | 3,339 |
| Tier 1 risk-based capital ratio | 24.5222% | 802 |
| Total risk-based capital ratio | 25.7761% | 779 |
| Memoranda: | ||
| Average total assets | $218,935,330 | 2,699 |
| Average earning assets | $202,698,670 | 2,712 |
| Average equity | $20,899,670 | 3,063 |
| Average total loans | $54,145,000 | 4,173 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3760% | 5,132 |
| Cost of funding earning assets | 0.0501% | 5,328 |
| Net interest margin | 3.3259% | 4,101 |
| Noninterest income to average assets | 0.2690% | 4,075 |
| Noninterest expense to average assets | 1.6590% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4862% | 1,144 |
| Return on assets (ROA) | 1.1945% | 2,127 |
| Pretax return on assets | 1.3720% | 2,182 |
| Return on Equity (ROE) | 13.4386% | 1,099 |
| Retained earnings to average equity (ytd only) | 12.8131% | 488 |
| Net charge-offs to loans | -0.0527% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2808% | 4,873 |
| Assets per employee ($millions) | 11.1322% | 255 |
| Cash dividends to net income (ytd only)* | 4.6547% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1383% | 394 |
| Loan loss allowance to noncurrent loans | 866.4234% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 4,514 |
| Noncurrent loans to loans | 0.2468% | 3,680 |
| Net loans and leases to total assets | 24.3995% | 5,230 |
| Net loans and leases to deposits | 26.9658% | 5,247 |
| Net loans and leases to core deposits | 27.1784% | 5,251 |
| Total domestic deposits to total assets | 90.4830% | 295 |
| Equity capital to assets | 9.3310% | 4,402 |
| Core capital (leverage) ratio | 9.5216% | 4,106 |
| Tier 1 risk-based capital ratio | 23.4975% | 890 |
| Total risk-based capital ratio | 24.7502% | 862 |
| Memoranda: | ||
| Average total assets | $223,031,000 | 2,700 |
| Average earning assets | $207,702,000 | 2,691 |
| Average equity | $19,823,500 | 3,174 |
| Average total loans | $53,121,500 | 4,241 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0743% | 5,198 |
| Cost of funding earning assets | 0.0274% | 5,378 |
| Net interest margin | 3.0469% | 4,737 |
| Noninterest income to average assets | 0.2683% | 4,312 |
| Noninterest expense to average assets | 1.5678% | 5,187 |
| Loan and lease loss provision to assets | -0.0145% | 5,119 |
| Net operating income to assets | 1.3638% | 1,559 |
| Return on assets (ROA) | 1.2269% | 2,053 |
| Pretax return on assets | 1.4104% | 2,096 |
| Return on Equity (ROE) | 14.4819% | 943 |
| Retained earnings to average equity (ytd only) | 11.6175% | 359 |
| Net charge-offs to loans | -0.0273% | 4,783 |
| Credit loss provision to net charge-offs | 230.7692% | 1,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2328% | 4,927 |
| Assets per employee ($millions) | 11.7588% | 215 |
| Cash dividends to net income (ytd only)* | 19.7789% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3259% | 276 |
| Loan loss allowance to noncurrent loans | 666.6667% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 4,422 |
| Noncurrent loans to loans | 0.3489% | 3,292 |
| Net loans and leases to total assets | 22.1791% | 5,292 |
| Net loans and leases to deposits | 24.2473% | 5,304 |
| Net loans and leases to core deposits | 24.4640% | 5,307 |
| Total domestic deposits to total assets | 91.4702% | 124 |
| Equity capital to assets | 8.4469% | 4,969 |
| Core capital (leverage) ratio | 9.4717% | 4,148 |
| Tier 1 risk-based capital ratio | 22.2327% | 996 |
| Total risk-based capital ratio | 23.4845% | 975 |
| Memoranda: | ||
| Average total assets | $206,462,200 | 2,800 |
| Average earning assets | $193,313,000 | 2,785 |
| Average equity | $17,490,800 | 3,347 |
| Average total loans | $47,578,800 | 4,363 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9912% | 5,293 |
| Cost of funding earning assets | 0.0252% | 5,450 |
| Net interest margin | 2.9660% | 4,896 |
| Noninterest income to average assets | 0.1919% | 4,824 |
| Noninterest expense to average assets | 1.5982% | 5,205 |
| Loan and lease loss provision to assets | -0.0198% | 5,235 |
| Net operating income to assets | 1.2484% | 2,055 |
| Return on assets (ROA) | 1.0694% | 2,799 |
| Pretax return on assets | 1.2052% | 2,962 |
| Return on Equity (ROE) | 12.6133% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.8823% | 493 |
| Net charge-offs to loans | -0.0456% | 4,900 |
| Credit loss provision to net charge-offs | 187.5000% | 1,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5454% | 4,648 |
| Assets per employee ($millions) | 10.5931% | 279 |
| Cash dividends to net income (ytd only)* | 5.7953% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4260% | 264 |
| Loan loss allowance to noncurrent loans | 600.0000% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 4,486 |
| Noncurrent loans to loans | 0.4043% | 3,203 |
| Net loans and leases to total assets | 23.6202% | 5,356 |
| Net loans and leases to deposits | 25.9082% | 5,372 |
| Net loans and leases to core deposits | 26.1662% | 5,375 |
| Total domestic deposits to total assets | 91.1690% | 187 |
| Equity capital to assets | 8.6213% | 4,855 |
| Core capital (leverage) ratio | 9.7710% | 3,875 |
| Tier 1 risk-based capital ratio | 22.9384% | 940 |
| Total risk-based capital ratio | 24.1910% | 916 |
| Memoranda: | ||
| Average total assets | $202,223,250 | 2,861 |
| Average earning assets | $190,420,250 | 2,838 |
| Average equity | $17,145,500 | 3,412 |
| Average total loans | $46,790,500 | 4,420 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8807% | 5,379 |
| Cost of funding earning assets | 0.0252% | 5,512 |
| Net interest margin | 2.8555% | 5,067 |
| Noninterest income to average assets | 0.1916% | 4,868 |
| Noninterest expense to average assets | 1.6194% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1336% | 2,463 |
| Return on assets (ROA) | 0.9914% | 3,065 |
| Pretax return on assets | 1.1000% | 3,315 |
| Return on Equity (ROE) | 11.7587% | 1,818 |
| Retained earnings to average equity (ytd only) | 11.0209% | 667 |
| Net charge-offs to loans | -0.0217% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2800% | 4,447 |
| Assets per employee ($millions) | 11.5793% | 213 |
| Cash dividends to net income (ytd only)* | 6.2749% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4970% | 248 |
| Loan loss allowance to noncurrent loans | 469.5313% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 4,414 |
| Noncurrent loans to loans | 0.5318% | 2,826 |
| Net loans and leases to total assets | 21.3340% | 5,433 |
| Net loans and leases to deposits | 23.1966% | 5,450 |
| Net loans and leases to core deposits | 23.4057% | 5,450 |
| Total domestic deposits to total assets | 91.9702% | 91 |
| Equity capital to assets | 7.8461% | 5,281 |
| Core capital (leverage) ratio | 9.7470% | 3,844 |
| Tier 1 risk-based capital ratio | 22.3149% | 1,005 |
| Total risk-based capital ratio | 23.5696% | 984 |
| Memoranda: | ||
| Average total assets | $202,541,670 | 2,875 |
| Average earning assets | $190,510,670 | 2,849 |
| Average equity | $17,076,670 | 3,438 |
| Average total loans | $46,146,670 | 4,485 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9106% | 5,412 |
| Cost of funding earning assets | 0.0262% | 5,577 |
| Net interest margin | 2.8845% | 5,058 |
| Noninterest income to average assets | 0.1961% | 4,846 |
| Noninterest expense to average assets | 1.7502% | 5,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0650% | 2,585 |
| Return on assets (ROA) | 1.0237% | 2,779 |
| Pretax return on assets | 1.1289% | 3,056 |
| Return on Equity (ROE) | 11.6816% | 1,694 |
| Retained earnings to average equity (ytd only) | 10.9515% | 908 |
| Net charge-offs to loans | -0.0177% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8447% | 4,087 |
| Assets per employee ($millions) | 10.8154% | 252 |
| Cash dividends to net income (ytd only)* | 6.2500% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6586% | 213 |
| Loan loss allowance to noncurrent loans | 374.6875% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 4,298 |
| Noncurrent loans to loans | 0.7096% | 2,438 |
| Net loans and leases to total assets | 21.3633% | 5,496 |
| Net loans and leases to deposits | 23.2960% | 5,506 |
| Net loans and leases to core deposits | 23.5216% | 5,508 |
| Total domestic deposits to total assets | 91.7034% | 149 |
| Equity capital to assets | 8.1409% | 5,211 |
| Core capital (leverage) ratio | 9.4857% | 4,085 |
| Tier 1 risk-based capital ratio | 22.3969% | 1,007 |
| Total risk-based capital ratio | 23.6511% | 984 |
| Memoranda: | ||
| Average total assets | $193,809,500 | 2,993 |
| Average earning assets | $183,327,500 | 2,960 |
| Average equity | $16,984,000 | 3,481 |
| Average total loans | $45,151,000 | 4,562 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7706% | 5,469 |
| Cost of funding earning assets | 0.0271% | 5,634 |
| Net interest margin | 2.7435% | 5,233 |
| Noninterest income to average assets | 0.1962% | 4,970 |
| Noninterest expense to average assets | 1.8528% | 5,191 |
| Loan and lease loss provision to assets | -0.0932% | 5,470 |
| Net operating income to assets | 0.8562% | 2,926 |
| Return on assets (ROA) | 0.8629% | 2,925 |
| Pretax return on assets | 1.0382% | 3,422 |
| Return on Equity (ROE) | 8.6326% | 2,481 |
| Retained earnings to average equity (ytd only) | 6.4483% | 1,303 |
| Net charge-offs to loans | 0.1930% | 1,319 |
| Credit loss provision to net charge-offs | -181.8182% | 4,777 |
| Earnings coverage of net charge-offs (x) | 18.2841% | 2,082 |
| Efficiency ratio | 66.4162% | 3,187 |
| Assets per employee ($millions) | 9.5856% | 365 |
| Cash dividends to net income (ytd only)* | 25.3036% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6481% | 208 |
| Loan loss allowance to noncurrent loans | 320.0535% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 4,109 |
| Noncurrent loans to loans | 0.8274% | 2,152 |
| Net loans and leases to total assets | 24.1624% | 5,529 |
| Net loans and leases to deposits | 26.7273% | 5,550 |
| Net loans and leases to core deposits | 26.9412% | 5,556 |
| Total domestic deposits to total assets | 90.4033% | 431 |
| Equity capital to assets | 9.4654% | 4,255 |
| Core capital (leverage) ratio | 10.2770% | 3,094 |
| Tier 1 risk-based capital ratio | 23.6091% | 850 |
| Total risk-based capital ratio | 24.8641% | 836 |
| Memoranda: | ||
| Average total assets | $171,740,400 | 3,227 |
| Average earning assets | $162,348,000 | 3,167 |
| Average equity | $17,167,400 | 3,468 |
| Average total loans | $45,597,200 | 4,577 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7174% | 5,553 |
| Cost of funding earning assets | 0.0284% | 5,700 |
| Net interest margin | 2.6890% | 5,332 |
| Noninterest income to average assets | 0.1900% | 5,065 |
| Noninterest expense to average assets | 1.8682% | 5,176 |
| Loan and lease loss provision to assets | -0.0946% | 5,578 |
| Net operating income to assets | 0.8144% | 3,465 |
| Return on assets (ROA) | 0.8237% | 3,457 |
| Pretax return on assets | 0.9680% | 3,808 |
| Return on Equity (ROE) | 8.1244% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.3936% | 1,495 |
| Net charge-offs to loans | 0.1721% | 1,212 |
| Credit loss provision to net charge-offs | -203.3898% | 4,634 |
| Earnings coverage of net charge-offs (x) | 18.5435% | 2,039 |
| Efficiency ratio | 68.4180% | 2,798 |
| Assets per employee ($millions) | 8.9767% | 443 |
| Cash dividends to net income (ytd only)* | 8.9952% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6986% | 208 |
| Loan loss allowance to noncurrent loans | 147.0383% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 3,051 |
| Noncurrent loans to loans | 1.8353% | 966 |
| Net loans and leases to total assets | 26.7633% | 5,554 |
| Net loans and leases to deposits | 30.0122% | 5,588 |
| Net loans and leases to core deposits | 30.2721% | 5,595 |
| Total domestic deposits to total assets | 89.1749% | 792 |
| Equity capital to assets | 10.5559% | 3,303 |
| Core capital (leverage) ratio | 10.7767% | 2,666 |
| Tier 1 risk-based capital ratio | 23.0020% | 948 |
| Total risk-based capital ratio | 24.2581% | 932 |
| Memoranda: | ||
| Average total assets | $169,144,000 | 3,285 |
| Average earning assets | $159,805,500 | 3,228 |
| Average equity | $17,149,500 | 3,510 |
| Average total loans | $45,695,750 | 4,618 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6570% | 5,607 |
| Cost of funding earning assets | 0.0238% | 5,749 |
| Net interest margin | 2.6332% | 5,415 |
| Noninterest income to average assets | 0.1873% | 5,112 |
| Noninterest expense to average assets | 1.9067% | 5,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6854% | 3,912 |
| Return on assets (ROA) | 0.6854% | 3,974 |
| Pretax return on assets | 0.7684% | 4,378 |
| Return on Equity (ROE) | 6.8546% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.1074% | 2,056 |
| Net charge-offs to loans | 0.7993% | 247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.5801% | 3,026 |
| Efficiency ratio | 71.2766% | 2,474 |
| Assets per employee ($millions) | 8.8170% | 444 |
| Cash dividends to net income (ytd only)* | 10.8997% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8179% | 199 |
| Loan loss allowance to noncurrent loans | 146.4658% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 3,048 |
| Noncurrent loans to loans | 1.9239% | 897 |
| Net loans and leases to total assets | 26.0215% | 5,612 |
| Net loans and leases to deposits | 29.1301% | 5,642 |
| Net loans and leases to core deposits | 29.3865% | 5,652 |
| Total domestic deposits to total assets | 89.3286% | 799 |
| Equity capital to assets | 10.4445% | 3,409 |
| Core capital (leverage) ratio | 10.4170% | 3,008 |
| Tier 1 risk-based capital ratio | 23.8927% | 861 |
| Total risk-based capital ratio | 25.1499% | 842 |
| Memoranda: | ||
| Average total assets | $168,672,670 | 3,301 |
| Average earning assets | $159,350,000 | 3,254 |
| Average equity | $16,864,670 | 3,550 |
| Average total loans | $45,290,000 | 4,655 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5615% | 5,701 |
| Cost of funding earning assets | 0.0200% | 5,815 |
| Net interest margin | 2.5415% | 5,510 |
| Noninterest income to average assets | 0.1867% | 5,154 |
| Noninterest expense to average assets | 1.8600% | 5,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6449% | 3,954 |
| Return on assets (ROA) | 0.6428% | 3,996 |
| Pretax return on assets | 0.7232% | 4,374 |
| Return on Equity (ROE) | 6.5746% | 3,624 |
| Retained earnings to average equity (ytd only) | 5.8253% | 2,426 |
| Net charge-offs to loans | 1.3624% | 125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.9806% | 2,653 |
| Efficiency ratio | 71.9378% | 2,590 |
| Assets per employee ($millions) | 9.3089% | 385 |
| Cash dividends to net income (ytd only)* | 11.3971% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0509% | 164 |
| Loan loss allowance to noncurrent loans | 91.8149% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 2,314 |
| Noncurrent loans to loans | 3.3228% | 380 |
| Net loans and leases to total assets | 23.1769% | 5,711 |
| Net loans and leases to deposits | 25.6384% | 5,726 |
| Net loans and leases to core deposits | 25.9067% | 5,734 |
| Total domestic deposits to total assets | 90.3992% | 509 |
| Equity capital to assets | 9.4510% | 4,334 |
| Core capital (leverage) ratio | 9.9872% | 3,512 |
| Tier 1 risk-based capital ratio | 25.1498% | 759 |
| Total risk-based capital ratio | 26.4087% | 740 |
| Memoranda: | ||
| Average total assets | $169,247,500 | 3,319 |
| Average earning assets | $159,750,000 | 3,272 |
| Average equity | $16,548,500 | 3,597 |
| Average total loans | $45,507,000 | 4,689 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8310% | 5,625 |
| Cost of funding earning assets | 0.0282% | 5,862 |
| Net interest margin | 2.8028% | 5,280 |
| Noninterest income to average assets | 0.1644% | 5,392 |
| Noninterest expense to average assets | 1.8929% | 5,373 |
| Loan and lease loss provision to assets | 0.3021% | 625 |
| Net operating income to assets | 0.5417% | 4,468 |
| Return on assets (ROA) | 0.5445% | 4,555 |
| Pretax return on assets | 0.6212% | 4,732 |
| Return on Equity (ROE) | 5.0964% | 4,382 |
| Retained earnings to average equity (ytd only) | 3.6114% | 3,353 |
| Net charge-offs to loans | 0.6215% | 366 |
| Credit loss provision to net charge-offs | 158.1395% | 1,739 |
| Earnings coverage of net charge-offs (x) | 4.8173% | 3,442 |
| Efficiency ratio | 67.2908% | 3,388 |
| Assets per employee ($millions) | 8.5066% | 498 |
| Cash dividends to net income (ytd only)* | 29.1375% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9653% | 178 |
| Loan loss allowance to noncurrent loans | 134.1690% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 2,714 |
| Noncurrent loans to loans | 2.2101% | 768 |
| Net loans and leases to total assets | 29.2566% | 5,655 |
| Net loans and leases to deposits | 32.5991% | 5,705 |
| Net loans and leases to core deposits | 33.4420% | 5,712 |
| Total domestic deposits to total assets | 89.7466% | 754 |
| Equity capital to assets | 10.1352% | 3,567 |
| Core capital (leverage) ratio | 10.8850% | 2,448 |
| Tier 1 risk-based capital ratio | 23.1719% | 954 |
| Total risk-based capital ratio | 24.4304% | 934 |
| Memoranda: | ||
| Average total assets | $157,587,600 | 3,424 |
| Average earning assets | $148,920,200 | 3,384 |
| Average equity | $16,835,400 | 3,573 |
| Average total loans | $48,435,000 | 4,620 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7933% | 5,720 |
| Cost of funding earning assets | 0.0288% | 5,926 |
| Net interest margin | 2.7645% | 5,414 |
| Noninterest income to average assets | 0.1848% | 5,354 |
| Noninterest expense to average assets | 1.9389% | 5,314 |
| Loan and lease loss provision to assets | 0.2274% | 887 |
| Net operating income to assets | 0.5506% | 4,495 |
| Return on assets (ROA) | 0.5543% | 4,588 |
| Pretax return on assets | 0.6395% | 4,765 |
| Return on Equity (ROE) | 5.1211% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.3817% | 3,217 |
| Net charge-offs to loans | 0.4411% | 483 |
| Credit loss provision to net charge-offs | 166.8750% | 1,652 |
| Earnings coverage of net charge-offs (x) | 6.3312% | 3,007 |
| Efficiency ratio | 69.2097% | 3,015 |
| Assets per employee ($millions) | 8.1294% | 560 |
| Cash dividends to net income (ytd only)* | 14.4393% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6896% | 271 |
| Loan loss allowance to noncurrent loans | 103.5338% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8611% | 2,401 |
| Noncurrent loans to loans | 2.5978% | 657 |
| Net loans and leases to total assets | 32.2547% | 5,670 |
| Net loans and leases to deposits | 36.4915% | 5,715 |
| Net loans and leases to core deposits | 37.8140% | 5,725 |
| Total domestic deposits to total assets | 88.3897% | 1,192 |
| Equity capital to assets | 11.1849% | 2,812 |
| Core capital (leverage) ratio | 11.1439% | 2,317 |
| Tier 1 risk-based capital ratio | 22.7373% | 1,038 |
| Total risk-based capital ratio | 23.9958% | 1,022 |
| Memoranda: | ||
| Average total assets | $156,578,250 | 3,446 |
| Average earning assets | $148,208,750 | 3,409 |
| Average equity | $16,949,000 | 3,588 |
| Average total loans | $48,361,000 | 4,663 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7633% | 5,820 |
| Cost of funding earning assets | 0.0296% | 6,006 |
| Net interest margin | 2.7338% | 5,528 |
| Noninterest income to average assets | 0.1818% | 5,405 |
| Noninterest expense to average assets | 1.9633% | 5,347 |
| Loan and lease loss provision to assets | 0.0140% | 3,829 |
| Net operating income to assets | 0.6496% | 4,042 |
| Return on assets (ROA) | 0.6549% | 4,167 |
| Pretax return on assets | 0.7973% | 4,290 |
| Return on Equity (ROE) | 6.1164% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.3800% | 2,499 |
| Net charge-offs to loans | 0.1898% | 1,211 |
| Credit loss provision to net charge-offs | 24.4444% | 2,903 |
| Earnings coverage of net charge-offs (x) | 14.0667% | 2,080 |
| Efficiency ratio | 70.9233% | 2,842 |
| Assets per employee ($millions) | 8.0005% | 563 |
| Cash dividends to net income (ytd only)* | 12.0388% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5617% | 333 |
| Loan loss allowance to noncurrent loans | 111.6531% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 2,800 |
| Noncurrent loans to loans | 2.2943% | 795 |
| Net loans and leases to total assets | 30.9282% | 5,765 |
| Net loans and leases to deposits | 35.0443% | 5,805 |
| Net loans and leases to core deposits | 36.3371% | 5,811 |
| Total domestic deposits to total assets | 88.2547% | 1,295 |
| Equity capital to assets | 11.3256% | 2,720 |
| Core capital (leverage) ratio | 10.8950% | 2,532 |
| Tier 1 risk-based capital ratio | 23.6655% | 941 |
| Total risk-based capital ratio | 24.9235% | 916 |
| Memoranda: | ||
| Average total assets | $157,285,000 | 3,457 |
| Average earning assets | $148,806,330 | 3,420 |
| Average equity | $16,840,000 | 3,610 |
| Average total loans | $47,415,670 | 4,725 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7226% | 5,896 |
| Cost of funding earning assets | 0.0317% | 6,067 |
| Net interest margin | 2.6910% | 5,630 |
| Noninterest income to average assets | 0.1651% | 5,505 |
| Noninterest expense to average assets | 2.0010% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5953% | 4,196 |
| Return on assets (ROA) | 0.5953% | 4,310 |
| Pretax return on assets | 0.7128% | 4,484 |
| Return on Equity (ROE) | 5.7170% | 4,124 |
| Retained earnings to average equity (ytd only) | 4.9724% | 2,959 |
| Net charge-offs to loans | 0.0681% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 35.6250% | 1,077 |
| Efficiency ratio | 73.7327% | 2,523 |
| Assets per employee ($millions) | 8.5499% | 464 |
| Cash dividends to net income (ytd only)* | 13.0252% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7476% | 293 |
| Loan loss allowance to noncurrent loans | 186.8148% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 3,929 |
| Noncurrent loans to loans | 1.4707% | 1,601 |
| Net loans and leases to total assets | 27.4757% | 5,884 |
| Net loans and leases to deposits | 30.7371% | 5,919 |
| Net loans and leases to core deposits | 31.7757% | 5,921 |
| Total domestic deposits to total assets | 89.3893% | 895 |
| Equity capital to assets | 10.3442% | 3,692 |
| Core capital (leverage) ratio | 10.2783% | 3,228 |
| Tier 1 risk-based capital ratio | 23.8928% | 923 |
| Total risk-based capital ratio | 25.1517% | 914 |
| Memoranda: | ||
| Average total assets | $159,922,500 | 3,448 |
| Average earning assets | $151,470,500 | 3,404 |
| Average equity | $16,652,000 | 3,637 |
| Average total loans | $46,998,500 | 4,763 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9555% | 5,767 |
| Cost of funding earning assets | 0.0402% | 6,117 |
| Net interest margin | 2.9153% | 5,309 |
| Noninterest income to average assets | 0.2075% | 5,350 |
| Noninterest expense to average assets | 1.7582% | 5,793 |
| Loan and lease loss provision to assets | 0.1779% | 1,274 |
| Net operating income to assets | 0.8014% | 3,331 |
| Return on assets (ROA) | 0.8004% | 3,424 |
| Pretax return on assets | 1.0408% | 3,306 |
| Return on Equity (ROE) | 8.7164% | 2,619 |
| Retained earnings to average equity (ytd only) | 7.0162% | 1,271 |
| Net charge-offs to loans | 0.0755% | 2,746 |
| Credit loss provision to net charge-offs | 729.7297% | 459 |
| Earnings coverage of net charge-offs (x) | 50.0541% | 1,003 |
| Efficiency ratio | 59.0356% | 5,023 |
| Assets per employee ($millions) | 8.2840% | 500 |
| Cash dividends to net income (ytd only)* | 19.5062% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6381% | 343 |
| Loan loss allowance to noncurrent loans | 192.5645% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 3,924 |
| Noncurrent loans to loans | 1.3700% | 1,712 |
| Net loans and leases to total assets | 29.7549% | 5,898 |
| Net loans and leases to deposits | 33.3847% | 5,945 |
| Net loans and leases to core deposits | 34.4365% | 5,958 |
| Total domestic deposits to total assets | 89.1274% | 1,054 |
| Equity capital to assets | 10.4831% | 3,381 |
| Core capital (leverage) ratio | 10.7377% | 2,673 |
| Tier 1 risk-based capital ratio | 23.3299% | 975 |
| Total risk-based capital ratio | 24.5871% | 963 |
| Memoranda: | ||
| Average total assets | $151,802,600 | 3,542 |
| Average earning assets | $144,271,400 | 3,485 |
| Average equity | $13,939,200 | 3,986 |
| Average total loans | $48,980,600 | 4,702 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9623% | 5,838 |
| Cost of funding earning assets | 0.0419% | 6,203 |
| Net interest margin | 2.9204% | 5,374 |
| Noninterest income to average assets | 0.2003% | 5,439 |
| Noninterest expense to average assets | 1.8244% | 5,747 |
| Loan and lease loss provision to assets | 0.2393% | 737 |
| Net operating income to assets | 0.7230% | 3,802 |
| Return on assets (ROA) | 0.7216% | 3,914 |
| Pretax return on assets | 0.9166% | 3,926 |
| Return on Equity (ROE) | 8.1608% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.3487% | 1,525 |
| Net charge-offs to loans | 0.1030% | 2,105 |
| Credit loss provision to net charge-offs | 710.5263% | 487 |
| Earnings coverage of net charge-offs (x) | 34.3653% | 1,372 |
| Efficiency ratio | 61.1772% | 4,694 |
| Assets per employee ($millions) | 7.9332% | 560 |
| Cash dividends to net income (ytd only)* | 9.9511% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5152% | 425 |
| Loan loss allowance to noncurrent loans | 183.1169% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 3,953 |
| Noncurrent loans to loans | 1.3735% | 1,861 |
| Net loans and leases to total assets | 32.6310% | 5,903 |
| Net loans and leases to deposits | 36.7782% | 5,962 |
| Net loans and leases to core deposits | 37.9954% | 5,975 |
| Total domestic deposits to total assets | 88.7236% | 1,164 |
| Equity capital to assets | 10.6680% | 3,392 |
| Core capital (leverage) ratio | 10.5788% | 2,949 |
| Tier 1 risk-based capital ratio | 22.5287% | 1,118 |
| Total risk-based capital ratio | 23.7871% | 1,096 |
| Memoranda: | ||
| Average total assets | $150,404,250 | 3,593 |
| Average earning assets | $143,262,500 | 3,529 |
| Average equity | $13,299,000 | 4,120 |
| Average total loans | $49,200,250 | 4,746 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9265% | 5,917 |
| Cost of funding earning assets | 0.0447% | 6,281 |
| Net interest margin | 2.8818% | 5,474 |
| Noninterest income to average assets | 0.1956% | 5,511 |
| Noninterest expense to average assets | 1.8763% | 5,748 |
| Loan and lease loss provision to assets | 0.1610% | 1,316 |
| Net operating income to assets | 0.7130% | 3,828 |
| Return on assets (ROA) | 0.7119% | 3,957 |
| Pretax return on assets | 0.9009% | 3,952 |
| Return on Equity (ROE) | 8.6486% | 2,722 |
| Retained earnings to average equity (ytd only) | 7.8403% | 1,327 |
| Net charge-offs to loans | 0.2665% | 984 |
| Credit loss provision to net charge-offs | 186.1538% | 1,314 |
| Earnings coverage of net charge-offs (x) | 12.2923% | 2,221 |
| Efficiency ratio | 63.8298% | 4,385 |
| Assets per employee ($millions) | 8.0321% | 519 |
| Cash dividends to net income (ytd only)* | 9.3458% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2489% | 682 |
| Loan loss allowance to noncurrent loans | 195.3488% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 4,355 |
| Noncurrent loans to loans | 1.1512% | 2,344 |
| Net loans and leases to total assets | 32.8309% | 5,935 |
| Net loans and leases to deposits | 36.1478% | 6,031 |
| Net loans and leases to core deposits | 38.1011% | 6,021 |
| Total domestic deposits to total assets | 90.8243% | 349 |
| Equity capital to assets | 8.6487% | 5,566 |
| Core capital (leverage) ratio | 8.4846% | 5,547 |
| Tier 1 risk-based capital ratio | 17.8398% | 2,118 |
| Total risk-based capital ratio | 19.0958% | 2,071 |
| Memoranda: | ||
| Average total assets | $150,295,330 | 3,627 |
| Average earning assets | $143,106,670 | 3,552 |
| Average equity | $12,372,000 | 4,310 |
| Average total loans | $48,782,330 | 4,794 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8941% | 5,995 |
| Cost of funding earning assets | 0.0467% | 6,352 |
| Net interest margin | 2.8474% | 5,552 |
| Noninterest income to average assets | 0.1907% | 5,565 |
| Noninterest expense to average assets | 1.6611% | 6,051 |
| Loan and lease loss provision to assets | 0.1985% | 937 |
| Net operating income to assets | 0.8018% | 3,248 |
| Return on assets (ROA) | 0.8018% | 3,377 |
| Pretax return on assets | 1.0395% | 3,347 |
| Return on Equity (ROE) | 9.9789% | 2,019 |
| Retained earnings to average equity (ytd only) | 9.1663% | 1,142 |
| Net charge-offs to loans | -0.0164% | 4,949 |
| Credit loss provision to net charge-offs | -3,800.0000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2973% | 5,413 |
| Assets per employee ($millions) | 8.7046% | 403 |
| Cash dividends to net income (ytd only)* | 8.1433% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3607% | 652 |
| Loan loss allowance to noncurrent loans | 103.2437% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 3,426 |
| Noncurrent loans to loans | 2.2865% | 1,087 |
| Net loans and leases to total assets | 29.4067% | 6,094 |
| Net loans and leases to deposits | 32.0939% | 6,161 |
| Net loans and leases to core deposits | 34.0794% | 6,137 |
| Total domestic deposits to total assets | 91.6270% | 205 |
| Equity capital to assets | 7.9301% | 6,056 |
| Core capital (leverage) ratio | 8.0060% | 5,943 |
| Tier 1 risk-based capital ratio | 18.5441% | 1,992 |
| Total risk-based capital ratio | 19.8012% | 1,939 |
| Memoranda: | ||
| Average total assets | $153,154,500 | 3,606 |
| Average earning assets | $145,676,000 | 3,541 |
| Average equity | $12,306,000 | 4,359 |
| Average total loans | $48,894,500 | 4,822 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1322% | 5,918 |
| Cost of funding earning assets | 0.0480% | 6,441 |
| Net interest margin | 3.0842% | 5,243 |
| Noninterest income to average assets | 0.2219% | 5,537 |
| Noninterest expense to average assets | 1.8497% | 6,008 |
| Loan and lease loss provision to assets | 0.2175% | 1,136 |
| Net operating income to assets | 0.8431% | 3,155 |
| Return on assets (ROA) | 0.8554% | 3,187 |
| Pretax return on assets | 1.1122% | 3,036 |
| Return on Equity (ROE) | 10.0360% | 2,100 |
| Retained earnings to average equity (ytd only) | 7.9025% | 1,052 |
| Net charge-offs to loans | 0.4800% | 868 |
| Credit loss provision to net charge-offs | 127.7778% | 1,872 |
| Earnings coverage of net charge-offs (x) | 7.7179% | 2,989 |
| Efficiency ratio | 58.4732% | 5,409 |
| Assets per employee ($millions) | 8.3126% | 475 |
| Cash dividends to net income (ytd only)* | 21.2585% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0494% | 1,025 |
| Loan loss allowance to noncurrent loans | 95.4002% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 3,394 |
| Noncurrent loans to loans | 2.1482% | 1,257 |
| Net loans and leases to total assets | 33.1244% | 6,079 |
| Net loans and leases to deposits | 36.2247% | 6,163 |
| Net loans and leases to core deposits | 38.5674% | 6,136 |
| Total domestic deposits to total assets | 91.4414% | 243 |
| Equity capital to assets | 8.1449% | 5,989 |
| Core capital (leverage) ratio | 8.5363% | 5,519 |
| Tier 1 risk-based capital ratio | 17.2542% | 2,397 |
| Total risk-based capital ratio | 18.5003% | 2,358 |
| Memoranda: | ||
| Average total assets | $137,478,400 | 3,851 |
| Average earning assets | $131,120,800 | 3,743 |
| Average equity | $11,717,800 | 4,414 |
| Average total loans | $48,749,000 | 4,863 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1668% | 5,938 |
| Cost of funding earning assets | 0.0498% | 6,522 |
| Net interest margin | 3.1170% | 5,208 |
| Noninterest income to average assets | 0.2212% | 5,608 |
| Noninterest expense to average assets | 1.8873% | 5,973 |
| Loan and lease loss provision to assets | 0.1785% | 1,377 |
| Net operating income to assets | 0.8722% | 3,060 |
| Return on assets (ROA) | 0.8836% | 3,101 |
| Pretax return on assets | 1.1494% | 2,988 |
| Return on Equity (ROE) | 10.2407% | 2,096 |
| Retained earnings to average equity (ytd only) | 9.3786% | 878 |
| Net charge-offs to loans | 0.5633% | 670 |
| Credit loss provision to net charge-offs | 88.2353% | 2,466 |
| Earnings coverage of net charge-offs (x) | 6.4903% | 3,076 |
| Efficiency ratio | 58.9712% | 5,316 |
| Assets per employee ($millions) | 7.4064% | 663 |
| Cash dividends to net income (ytd only)* | 8.4177% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8563% | 1,561 |
| Loan loss allowance to noncurrent loans | 191.7004% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 4,812 |
| Noncurrent loans to loans | 0.9683% | 3,146 |
| Net loans and leases to total assets | 37.5562% | 5,962 |
| Net loans and leases to deposits | 41.6214% | 6,068 |
| Net loans and leases to core deposits | 45.2429% | 5,990 |
| Total domestic deposits to total assets | 90.2329% | 636 |
| Equity capital to assets | 9.0027% | 5,348 |
| Core capital (leverage) ratio | 8.9191% | 5,171 |
| Tier 1 risk-based capital ratio | 17.2408% | 2,504 |
| Total risk-based capital ratio | 18.4946% | 2,464 |
| Memoranda: | ||
| Average total assets | $134,441,250 | 3,929 |
| Average earning assets | $128,497,500 | 3,822 |
| Average equity | $11,600,500 | 4,462 |
| Average total loans | $48,286,250 | 4,925 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0834% | 6,080 |
| Cost of funding earning assets | 0.0496% | 6,585 |
| Net interest margin | 3.0338% | 5,435 |
| Noninterest income to average assets | 0.2092% | 5,703 |
| Noninterest expense to average assets | 1.8588% | 6,066 |
| Loan and lease loss provision to assets | 0.0712% | 2,849 |
| Net operating income to assets | 0.9005% | 2,800 |
| Return on assets (ROA) | 0.9005% | 2,896 |
| Pretax return on assets | 1.1809% | 2,757 |
| Return on Equity (ROE) | 10.5872% | 1,899 |
| Retained earnings to average equity (ytd only) | 9.7151% | 787 |
| Net charge-offs to loans | 0.8696% | 422 |
| Credit loss provision to net charge-offs | 23.3010% | 3,149 |
| Earnings coverage of net charge-offs (x) | 4.0971% | 3,175 |
| Efficiency ratio | 59.7520% | 5,326 |
| Assets per employee ($millions) | 7.0056% | 798 |
| Cash dividends to net income (ytd only)* | 8.2372% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 2,103 |
| Loan loss allowance to noncurrent loans | 148.0000% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 4,773 |
| Noncurrent loans to loans | 1.1546% | 2,921 |
| Net loans and leases to total assets | 35.1755% | 6,095 |
| Net loans and leases to deposits | 38.8411% | 6,196 |
| Net loans and leases to core deposits | 42.1170% | 6,146 |
| Total domestic deposits to total assets | 90.5625% | 559 |
| Equity capital to assets | 8.7974% | 5,524 |
| Core capital (leverage) ratio | 8.7577% | 5,330 |
| Tier 1 risk-based capital ratio | 17.3146% | 2,497 |
| Total risk-based capital ratio | 18.5661% | 2,453 |
| Memoranda: | ||
| Average total assets | $134,816,670 | 3,944 |
| Average earning assets | $128,947,330 | 3,835 |
| Average equity | $11,466,670 | 4,505 |
| Average total loans | $47,376,670 | 4,988 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0413% | 6,199 |
| Cost of funding earning assets | 0.0493% | 6,662 |
| Net interest margin | 2.9921% | 5,544 |
| Noninterest income to average assets | 0.2005% | 5,754 |
| Noninterest expense to average assets | 1.8132% | 6,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9464% | 2,424 |
| Return on assets (ROA) | 0.9464% | 2,493 |
| Pretax return on assets | 1.2530% | 2,275 |
| Return on Equity (ROE) | 11.3178% | 1,597 |
| Retained earnings to average equity (ytd only) | 10.4363% | 863 |
| Net charge-offs to loans | 0.0762% | 2,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 47.2222% | 786 |
| Efficiency ratio | 59.1346% | 5,517 |
| Assets per employee ($millions) | 7.3054% | 694 |
| Cash dividends to net income (ytd only)* | 7.7882% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0357% | 1,449 |
| Loan loss allowance to noncurrent loans | 122.0532% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 4,441 |
| Noncurrent loans to loans | 1.6679% | 2,325 |
| Net loans and leases to total assets | 33.3878% | 6,209 |
| Net loans and leases to deposits | 36.6131% | 6,296 |
| Net loans and leases to core deposits | 39.4237% | 6,257 |
| Total domestic deposits to total assets | 91.1910% | 488 |
| Equity capital to assets | 8.2564% | 5,859 |
| Core capital (leverage) ratio | 8.4689% | 5,680 |
| Tier 1 risk-based capital ratio | 17.1620% | 2,613 |
| Total risk-based capital ratio | 18.4172% | 2,569 |
| Memoranda: | ||
| Average total assets | $135,671,500 | 3,965 |
| Average earning assets | $129,943,500 | 3,834 |
| Average equity | $11,345,000 | 4,534 |
| Average total loans | $47,247,500 | 5,034 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2695% | 6,047 |
| Cost of funding earning assets | 0.0680% | 6,731 |
| Net interest margin | 3.2014% | 4,998 |
| Noninterest income to average assets | 0.2647% | 5,451 |
| Noninterest expense to average assets | 1.8036% | 6,313 |
| Loan and lease loss provision to assets | 0.1981% | 1,872 |
| Net operating income to assets | 1.0022% | 2,315 |
| Return on assets (ROA) | 1.0054% | 2,368 |
| Pretax return on assets | 1.3235% | 2,062 |
| Return on Equity (ROE) | 11.1863% | 1,707 |
| Retained earnings to average equity (ytd only) | 9.3570% | 693 |
| Net charge-offs to loans | 0.0741% | 4,174 |
| Credit loss provision to net charge-offs | 730.3030% | 338 |
| Earnings coverage of net charge-offs (x) | 55.9394% | 728 |
| Efficiency ratio | 54.3069% | 6,107 |
| Assets per employee ($millions) | 7.7965% | 525 |
| Cash dividends to net income (ytd only)* | 16.3532% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0598% | 1,420 |
| Loan loss allowance to noncurrent loans | 796.7213% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 6,067 |
| Noncurrent loans to loans | 0.2585% | 5,408 |
| Net loans and leases to total assets | 34.8700% | 6,252 |
| Net loans and leases to deposits | 38.3035% | 6,354 |
| Net loans and leases to core deposits | 40.8252% | 6,338 |
| Total domestic deposits to total assets | 91.0360% | 552 |
| Equity capital to assets | 8.4728% | 5,611 |
| Core capital (leverage) ratio | 8.9501% | 5,080 |
| Tier 1 risk-based capital ratio | 17.9352% | 2,261 |
| Total risk-based capital ratio | 19.1907% | 2,229 |
| Memoranda: | ||
| Average total assets | $121,646,800 | 4,246 |
| Average earning assets | $116,135,600 | 4,128 |
| Average equity | $10,933,000 | 4,649 |
| Average total loans | $44,552,000 | 5,165 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3019% | 6,061 |
| Cost of funding earning assets | 0.0706% | 6,818 |
| Net interest margin | 3.2313% | 4,895 |
| Noninterest income to average assets | 0.2612% | 5,577 |
| Noninterest expense to average assets | 1.7434% | 6,421 |
| Loan and lease loss provision to assets | 0.1413% | 2,524 |
| Net operating income to assets | 1.0995% | 2,008 |
| Return on assets (ROA) | 1.1054% | 2,059 |
| Pretax return on assets | 1.4631% | 1,718 |
| Return on Equity (ROE) | 12.1066% | 1,444 |
| Retained earnings to average equity (ytd only) | 11.1858% | 541 |
| Net charge-offs to loans | 0.0820% | 3,777 |
| Credit loss provision to net charge-offs | 466.6667% | 571 |
| Earnings coverage of net charge-offs (x) | 52.7394% | 835 |
| Efficiency ratio | 52.1987% | 6,243 |
| Assets per employee ($millions) | 6.8199% | 807 |
| Cash dividends to net income (ytd only)* | 7.6067% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8455% | 2,159 |
| Loan loss allowance to noncurrent loans | 1,180.8219% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 6,259 |
| Noncurrent loans to loans | 0.1563% | 5,846 |
| Net loans and leases to total assets | 39.5427% | 6,064 |
| Net loans and leases to deposits | 44.1556% | 6,195 |
| Net loans and leases to core deposits | 45.9300% | 6,212 |
| Total domestic deposits to total assets | 89.5530% | 1,261 |
| Equity capital to assets | 9.5016% | 4,555 |
| Core capital (leverage) ratio | 9.7255% | 4,066 |
| Tier 1 risk-based capital ratio | 17.1656% | 2,638 |
| Total risk-based capital ratio | 18.4177% | 2,605 |
| Memoranda: | ||
| Average total assets | $118,923,250 | 4,341 |
| Average earning assets | $113,305,250 | 4,240 |
| Average equity | $10,858,750 | 4,716 |
| Average total loans | $43,892,750 | 5,247 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1984% | 6,230 |
| Cost of funding earning assets | 0.0753% | 6,860 |
| Net interest margin | 3.1231% | 5,211 |
| Noninterest income to average assets | 0.2552% | 5,624 |
| Noninterest expense to average assets | 1.8029% | 6,375 |
| Loan and lease loss provision to assets | 0.0467% | 4,038 |
| Net operating income to assets | 1.0485% | 2,117 |
| Return on assets (ROA) | 1.0574% | 2,203 |
| Pretax return on assets | 1.3909% | 1,965 |
| Return on Equity (ROE) | 11.7339% | 1,575 |
| Retained earnings to average equity (ytd only) | 10.8085% | 679 |
| Net charge-offs to loans | 0.1443% | 2,945 |
| Credit loss provision to net charge-offs | 90.3226% | 2,433 |
| Earnings coverage of net charge-offs (x) | 27.5806% | 1,212 |
| Efficiency ratio | 55.8368% | 5,982 |
| Assets per employee ($millions) | 7.1714% | 673 |
| Cash dividends to net income (ytd only)* | 7.8864% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 2,710 |
| Loan loss allowance to noncurrent loans | 818.2796% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 6,254 |
| Noncurrent loans to loans | 0.2101% | 5,778 |
| Net loans and leases to total assets | 37.9230% | 6,184 |
| Net loans and leases to deposits | 42.3482% | 6,309 |
| Net loans and leases to core deposits | 44.2868% | 6,322 |
| Total domestic deposits to total assets | 89.5506% | 1,294 |
| Equity capital to assets | 9.5439% | 4,528 |
| Core capital (leverage) ratio | 9.2171% | 4,669 |
| Tier 1 risk-based capital ratio | 18.0842% | 2,289 |
| Total risk-based capital ratio | 19.3379% | 2,247 |
| Memoranda: | ||
| Average total assets | $119,918,330 | 4,352 |
| Average earning assets | $114,183,000 | 4,252 |
| Average equity | $10,806,330 | 4,766 |
| Average total loans | $42,954,670 | 5,306 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1122% | 6,389 |
| Cost of funding earning assets | 0.0862% | 6,923 |
| Net interest margin | 3.0260% | 5,504 |
| Noninterest income to average assets | 0.2057% | 6,009 |
| Noninterest expense to average assets | 1.7338% | 6,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0220% | 2,134 |
| Return on assets (ROA) | 1.0220% | 2,250 |
| Pretax return on assets | 1.3387% | 2,081 |
| Return on Equity (ROE) | 11.6639% | 1,514 |
| Retained earnings to average equity (ytd only) | 10.7323% | 931 |
| Net charge-offs to loans | 0.1513% | 2,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 25.6250% | 1,045 |
| Efficiency ratio | 56.4293% | 6,020 |
| Assets per employee ($millions) | 7.1743% | 717 |
| Cash dividends to net income (ytd only)* | 7.9872% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 2,597 |
| Loan loss allowance to noncurrent loans | 705.6604% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 6,331 |
| Noncurrent loans to loans | 0.2560% | 5,770 |
| Net loans and leases to total assets | 33.3331% | 6,448 |
| Net loans and leases to deposits | 36.8941% | 6,541 |
| Net loans and leases to core deposits | 38.2442% | 6,552 |
| Total domestic deposits to total assets | 90.3479% | 851 |
| Equity capital to assets | 8.8601% | 5,653 |
| Core capital (leverage) ratio | 8.5883% | 5,458 |
| Tier 1 risk-based capital ratio | 16.7977% | 2,860 |
| Total risk-based capital ratio | 17.9408% | 2,881 |
| Memoranda: | ||
| Average total assets | $122,506,000 | 4,335 |
| Average earning assets | $116,060,500 | 4,240 |
| Average equity | $10,734,000 | 4,827 |
| Average total loans | $42,294,500 | 5,362 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3333% | 6,558 |
| Cost of funding earning assets | 0.1552% | 6,906 |
| Net interest margin | 3.1782% | 5,621 |
| Noninterest income to average assets | 0.2442% | 5,704 |
| Noninterest expense to average assets | 1.9356% | 6,446 |
| Loan and lease loss provision to assets | 0.2950% | 2,314 |
| Net operating income to assets | 0.8364% | 3,112 |
| Return on assets (ROA) | 0.8350% | 3,375 |
| Pretax return on assets | 1.0418% | 3,391 |
| Return on Equity (ROE) | 9.0607% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.1267% | 1,509 |
| Net charge-offs to loans | 0.0317% | 5,470 |
| Credit loss provision to net charge-offs | 2,758.3333% | 87 |
| Earnings coverage of net charge-offs (x) | 125.1667% | 319 |
| Efficiency ratio | 59.1181% | 5,683 |
| Assets per employee ($millions) | 7.2382% | 694 |
| Cash dividends to net income (ytd only)* | 21.3447% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7714% | 2,683 |
| Loan loss allowance to noncurrent loans | 780.6122% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 6,402 |
| Noncurrent loans to loans | 0.2269% | 5,912 |
| Net loans and leases to total assets | 34.4757% | 6,522 |
| Net loans and leases to deposits | 38.1561% | 6,631 |
| Net loans and leases to core deposits | 39.4811% | 6,632 |
| Total domestic deposits to total assets | 90.3542% | 772 |
| Equity capital to assets | 8.6648% | 5,887 |
| Core capital (leverage) ratio | 9.1437% | 4,669 |
| Tier 1 risk-based capital ratio | 16.2873% | 3,004 |
| Total risk-based capital ratio | 17.5397% | 2,961 |
| Memoranda: | ||
| Average total assets | $112,213,200 | 4,541 |
| Average earning assets | $106,979,600 | 4,417 |
| Average equity | $10,341,400 | 4,908 |
| Average total loans | $37,852,400 | 5,593 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3325% | 6,700 |
| Cost of funding earning assets | 0.1737% | 6,998 |
| Net interest margin | 3.1588% | 5,799 |
| Noninterest income to average assets | 0.2399% | 5,834 |
| Noninterest expense to average assets | 1.9043% | 6,515 |
| Loan and lease loss provision to assets | 0.1595% | 3,522 |
| Net operating income to assets | 0.9424% | 2,783 |
| Return on assets (ROA) | 0.9424% | 3,008 |
| Pretax return on assets | 1.2103% | 2,955 |
| Return on Equity (ROE) | 10.0570% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.0825% | 1,195 |
| Net charge-offs to loans | -0.0840% | 6,818 |
| Credit loss provision to net charge-offs | -569.5652% | 6,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1629% | 5,768 |
| Assets per employee ($millions) | 6.3083% | 1,063 |
| Cash dividends to net income (ytd only)* | 9.6902% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 4,484 |
| Loan loss allowance to noncurrent loans | 486.9919% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 6,431 |
| Noncurrent loans to loans | 0.2821% | 5,928 |
| Net loans and leases to total assets | 40.1013% | 6,273 |
| Net loans and leases to deposits | 45.1733% | 6,446 |
| Net loans and leases to core deposits | 46.6654% | 6,478 |
| Total domestic deposits to total assets | 88.7720% | 1,552 |
| Equity capital to assets | 9.9673% | 4,534 |
| Core capital (leverage) ratio | 9.5277% | 4,227 |
| Tier 1 risk-based capital ratio | 17.7319% | 2,451 |
| Total risk-based capital ratio | 18.9319% | 2,440 |
| Memoranda: | ||
| Average total assets | $109,504,250 | 4,653 |
| Average earning assets | $105,185,250 | 4,509 |
| Average equity | $10,261,250 | 4,968 |
| Average total loans | $36,518,750 | 5,725 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1832% | 6,882 |
| Cost of funding earning assets | 0.1911% | 7,047 |
| Net interest margin | 2.9921% | 6,260 |
| Noninterest income to average assets | 0.2322% | 5,909 |
| Noninterest expense to average assets | 1.8974% | 6,602 |
| Loan and lease loss provision to assets | 0.1306% | 3,895 |
| Net operating income to assets | 0.8525% | 3,124 |
| Return on assets (ROA) | 0.8525% | 3,400 |
| Pretax return on assets | 1.0720% | 3,408 |
| Return on Equity (ROE) | 9.2898% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.3015% | 1,524 |
| Net charge-offs to loans | -0.1288% | 6,909 |
| Credit loss provision to net charge-offs | -327.2727% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2054% | 5,385 |
| Assets per employee ($millions) | 6.3183% | 1,061 |
| Cash dividends to net income (ytd only)* | 10.6383% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 4,690 |
| Loan loss allowance to noncurrent loans | 494.4954% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 6,544 |
| Noncurrent loans to loans | 0.2718% | 6,036 |
| Net loans and leases to total assets | 36.8342% | 6,561 |
| Net loans and leases to deposits | 41.2628% | 6,688 |
| Net loans and leases to core deposits | 43.1131% | 6,692 |
| Total domestic deposits to total assets | 89.2674% | 1,349 |
| Equity capital to assets | 9.6238% | 4,878 |
| Core capital (leverage) ratio | 8.9022% | 5,046 |
| Tier 1 risk-based capital ratio | 18.0720% | 2,270 |
| Total risk-based capital ratio | 19.2131% | 2,273 |
| Memoranda: | ||
| Average total assets | $110,258,670 | 4,659 |
| Average earning assets | $105,678,330 | 4,516 |
| Average equity | $10,118,670 | 5,002 |
| Average total loans | $34,157,000 | 5,866 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9482% | 7,061 |
| Cost of funding earning assets | 0.2170% | 7,076 |
| Net interest margin | 2.7312% | 6,737 |
| Noninterest income to average assets | 0.2042% | 6,165 |
| Noninterest expense to average assets | 1.8481% | 6,743 |
| Loan and lease loss provision to assets | 0.0287% | 5,006 |
| Net operating income to assets | 0.7736% | 3,512 |
| Return on assets (ROA) | 0.7736% | 3,747 |
| Pretax return on assets | 0.9420% | 3,896 |
| Return on Equity (ROE) | 8.6318% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.6327% | 2,116 |
| Net charge-offs to loans | -0.3079% | 7,074 |
| Credit loss provision to net charge-offs | -33.3333% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5654% | 4,642 |
| Assets per employee ($millions) | 6.6000% | 930 |
| Cash dividends to net income (ytd only)* | 11.5741% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 4,546 |
| Loan loss allowance to noncurrent loans | 411.2069% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 6,621 |
| Noncurrent loans to loans | 0.3439% | 5,982 |
| Net loans and leases to total assets | 29.6390% | 6,923 |
| Net loans and leases to deposits | 32.9029% | 6,984 |
| Net loans and leases to core deposits | 34.3870% | 6,984 |
| Total domestic deposits to total assets | 90.0802% | 1,039 |
| Equity capital to assets | 8.9706% | 5,540 |
| Core capital (leverage) ratio | 8.6611% | 5,358 |
| Tier 1 risk-based capital ratio | 18.9466% | 2,003 |
| Total risk-based capital ratio | 20.0324% | 2,024 |
| Memoranda: | ||
| Average total assets | $111,682,500 | 4,665 |
| Average earning assets | $106,914,000 | 4,516 |
| Average equity | $10,009,500 | 5,039 |
| Average total loans | $31,184,000 | 6,052 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8395% | 7,212 |
| Cost of funding earning assets | 0.3586% | 6,989 |
| Net interest margin | 2.4809% | 7,066 |
| Noninterest income to average assets | 0.2709% | 5,591 |
| Noninterest expense to average assets | 1.9695% | 6,731 |
| Loan and lease loss provision to assets | 0.1044% | 5,279 |
| Net operating income to assets | 0.5306% | 4,307 |
| Return on assets (ROA) | 0.5355% | 4,480 |
| Pretax return on assets | 0.5552% | 4,820 |
| Return on Equity (ROE) | 5.2997% | 4,250 |
| Retained earnings to average equity (ytd only) | 2.7419% | 4,285 |
| Net charge-offs to loans | 0.1626% | 4,847 |
| Credit loss provision to net charge-offs | 288.5714% | 820 |
| Earnings coverage of net charge-offs (x) | 18.0857% | 1,233 |
| Efficiency ratio | 75.0591% | 3,051 |
| Assets per employee ($millions) | 6.5391% | 935 |
| Cash dividends to net income (ytd only)* | 48.2625% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,782 |
| Loan loss allowance to noncurrent loans | 278.1250% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 6,597 |
| Noncurrent loans to loans | 0.5587% | 5,603 |
| Net loans and leases to total assets | 25.3596% | 7,134 |
| Net loans and leases to deposits | 28.1328% | 7,169 |
| Net loans and leases to core deposits | 28.9272% | 7,168 |
| Total domestic deposits to total assets | 90.1426% | 918 |
| Equity capital to assets | 8.9543% | 5,597 |
| Core capital (leverage) ratio | 8.8710% | 4,990 |
| Tier 1 risk-based capital ratio | 20.1108% | 1,613 |
| Total risk-based capital ratio | 21.1511% | 1,636 |
| Memoranda: | ||
| Average total assets | $96,725,200 | 4,986 |
| Average earning assets | $91,742,200 | 4,864 |
| Average equity | $9,774,200 | 5,078 |
| Average total loans | $21,520,400 | 6,579 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7876% | 7,310 |
| Cost of funding earning assets | 0.3868% | 7,044 |
| Net interest margin | 2.4008% | 7,176 |
| Noninterest income to average assets | 0.2391% | 5,913 |
| Noninterest expense to average assets | 1.9875% | 6,716 |
| Loan and lease loss provision to assets | 0.0115% | 6,290 |
| Net operating income to assets | 0.5127% | 4,489 |
| Return on assets (ROA) | 0.5226% | 4,625 |
| Pretax return on assets | 0.5255% | 5,058 |
| Return on Equity (ROE) | 5.0019% | 4,531 |
| Retained earnings to average equity (ytd only) | 2.9464% | 4,583 |
| Net charge-offs to loans | -0.0135% | 6,825 |
| Credit loss provision to net charge-offs | -400.0000% | 6,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0433% | 2,403 |
| Assets per employee ($millions) | 5.9576% | 1,232 |
| Cash dividends to net income (ytd only)* | 41.0973% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 3,730 |
| Loan loss allowance to noncurrent loans | 198.4694% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 6,573 |
| Noncurrent loans to loans | 0.7992% | 5,273 |
| Net loans and leases to total assets | 23.8320% | 7,236 |
| Net loans and leases to deposits | 26.8162% | 7,259 |
| Net loans and leases to core deposits | 27.6604% | 7,259 |
| Total domestic deposits to total assets | 88.8714% | 1,503 |
| Equity capital to assets | 9.9368% | 4,429 |
| Core capital (leverage) ratio | 9.7043% | 3,842 |
| Tier 1 risk-based capital ratio | 22.7154% | 1,187 |
| Total risk-based capital ratio | 23.7553% | 1,192 |
| Memoranda: | ||
| Average total assets | $93,115,250 | 5,135 |
| Average earning assets | $88,247,250 | 5,018 |
| Average equity | $9,729,250 | 5,113 |
| Average total loans | $19,741,500 | 6,737 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7475% | 7,395 |
| Cost of funding earning assets | 0.4108% | 7,101 |
| Net interest margin | 2.3367% | 7,267 |
| Noninterest income to average assets | 0.2390% | 5,942 |
| Noninterest expense to average assets | 1.9581% | 6,862 |
| Loan and lease loss provision to assets | -0.1106% | 7,427 |
| Net operating income to assets | 0.5782% | 4,164 |
| Return on assets (ROA) | 0.5930% | 4,229 |
| Pretax return on assets | 0.6217% | 4,666 |
| Return on Equity (ROE) | 5.5731% | 4,168 |
| Retained earnings to average equity (ytd only) | 3.4936% | 4,027 |
| Net charge-offs to loans | -0.0110% | 6,703 |
| Credit loss provision to net charge-offs | 5,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8016% | 2,416 |
| Assets per employee ($millions) | 5.6986% | 1,395 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 3,441 |
| Loan loss allowance to noncurrent loans | 226.0274% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 6,692 |
| Noncurrent loans to loans | 0.7359% | 5,441 |
| Net loans and leases to total assets | 21.3968% | 7,352 |
| Net loans and leases to deposits | 24.3218% | 7,370 |
| Net loans and leases to core deposits | 25.1986% | 7,372 |
| Total domestic deposits to total assets | 87.9739% | 2,154 |
| Equity capital to assets | 10.7922% | 3,180 |
| Core capital (leverage) ratio | 10.2460% | 2,982 |
| Tier 1 risk-based capital ratio | 26.0225% | 812 |
| Total risk-based capital ratio | 27.0983% | 808 |
| Memoranda: | ||
| Average total assets | $90,393,670 | 5,246 |
| Average earning assets | $85,676,670 | 5,132 |
| Average equity | $9,617,670 | 5,149 |
| Average total loans | $18,146,670 | 6,882 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6183% | 7,464 |
| Cost of funding earning assets | 0.4348% | 7,147 |
| Net interest margin | 2.1834% | 7,363 |
| Noninterest income to average assets | 0.2356% | 6,027 |
| Noninterest expense to average assets | 1.7600% | 7,178 |
| Loan and lease loss provision to assets | -0.2222% | 7,513 |
| Net operating income to assets | 0.6933% | 3,538 |
| Return on assets (ROA) | 0.6933% | 3,607 |
| Pretax return on assets | 0.7733% | 4,000 |
| Return on Equity (ROE) | 6.5639% | 3,597 |
| Retained earnings to average equity (ytd only) | 4.4601% | 3,502 |
| Net charge-offs to loans | -0.0231% | 6,621 |
| Credit loss provision to net charge-offs | 5,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1538% | 3,139 |
| Assets per employee ($millions) | 6.3161% | 1,021 |
| Cash dividends to net income (ytd only)* | 32.0513% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9883% | 2,451 |
| Loan loss allowance to noncurrent loans | 222.9730% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 6,773 |
| Noncurrent loans to loans | 0.8917% | 5,262 |
| Net loans and leases to total assets | 17.1698% | 7,459 |
| Net loans and leases to deposits | 19.3135% | 7,471 |
| Net loans and leases to core deposits | 19.8890% | 7,463 |
| Total domestic deposits to total assets | 88.9004% | 1,835 |
| Equity capital to assets | 10.0726% | 3,681 |
| Core capital (leverage) ratio | 10.0968% | 3,041 |
| Tier 1 risk-based capital ratio | 27.0836% | 697 |
| Total risk-based capital ratio | 28.1584% | 698 |
| Memoranda: | ||
| Average total assets | $90,002,000 | 5,291 |
| Average earning assets | $85,553,000 | 5,169 |
| Average equity | $9,506,500 | 5,175 |
| Average total loans | $17,300,500 | 6,980 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 7,415 |
| Cost of funding earning assets | 0.5775% | 7,169 |
| Net interest margin | 2.8153% | 7,011 |
| Noninterest income to average assets | 0.3134% | 5,550 |
| Noninterest expense to average assets | 2.1317% | 6,771 |
| Loan and lease loss provision to assets | 0.0039% | 7,027 |
| Net operating income to assets | 0.7466% | 3,014 |
| Return on assets (ROA) | 0.7621% | 3,071 |
| Pretax return on assets | 0.8324% | 3,526 |
| Return on Equity (ROE) | 6.1472% | 3,550 |
| Retained earnings to average equity (ytd only) | 2.4757% | 4,144 |
| Net charge-offs to loans | 0.0576% | 6,213 |
| Credit loss provision to net charge-offs | 27.2727% | 6,511 |
| Earnings coverage of net charge-offs (x) | 57.2727% | 408 |
| Efficiency ratio | 72.2345% | 3,742 |
| Assets per employee ($millions) | 5.6841% | 1,435 |
| Cash dividends to net income (ytd only)* | 59.7270% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1051% | 2,061 |
| Loan loss allowance to noncurrent loans | 228.3133% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 6,736 |
| Noncurrent loans to loans | 0.9220% | 5,214 |
| Net loans and leases to total assets | 20.6716% | 7,514 |
| Net loans and leases to deposits | 23.5484% | 7,532 |
| Net loans and leases to core deposits | 24.0637% | 7,530 |
| Total domestic deposits to total assets | 87.7835% | 2,375 |
| Equity capital to assets | 11.1069% | 2,591 |
| Core capital (leverage) ratio | 11.5343% | 1,816 |
| Tier 1 risk-based capital ratio | 27.8437% | 621 |
| Total risk-based capital ratio | 29.0276% | 613 |
| Memoranda: | ||
| Average total assets | $76,888,000 | 5,682 |
| Average earning assets | $72,035,800 | 5,603 |
| Average equity | $9,532,800 | 5,252 |
| Average total loans | $19,107,400 | 6,972 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 7,528 |
| Cost of funding earning assets | 0.6079% | 7,271 |
| Net interest margin | 2.9042% | 6,999 |
| Noninterest income to average assets | 0.3084% | 5,684 |
| Noninterest expense to average assets | 2.1766% | 6,667 |
| Loan and lease loss provision to assets | 0.0053% | 6,955 |
| Net operating income to assets | 0.7704% | 3,129 |
| Return on assets (ROA) | 0.7915% | 3,202 |
| Pretax return on assets | 0.8664% | 3,680 |
| Return on Equity (ROE) | 6.1998% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.1053% | 3,587 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9505% | 3,706 |
| Assets per employee ($millions) | 4.9169% | 2,296 |
| Cash dividends to net income (ytd only)* | 33.7844% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 2,824 |
| Loan loss allowance to noncurrent loans | 139.7849% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 6,459 |
| Noncurrent loans to loans | 1.2791% | 4,719 |
| Net loans and leases to total assets | 29.0456% | 7,489 |
| Net loans and leases to deposits | 34.2276% | 7,515 |
| Net loans and leases to core deposits | 35.1244% | 7,516 |
| Total domestic deposits to total assets | 84.8603% | 3,686 |
| Equity capital to assets | 13.3635% | 1,409 |
| Core capital (leverage) ratio | 12.3280% | 1,488 |
| Tier 1 risk-based capital ratio | 27.7791% | 645 |
| Total risk-based capital ratio | 29.0305% | 625 |
| Memoranda: | ||
| Average total assets | $74,794,500 | 5,812 |
| Average earning assets | $69,965,250 | 5,737 |
| Average equity | $9,548,500 | 5,332 |
| Average total loans | $19,383,250 | 7,054 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 7,612 |
| Cost of funding earning assets | 0.6163% | 7,374 |
| Net interest margin | 2.8734% | 7,043 |
| Noninterest income to average assets | 0.3008% | 5,747 |
| Noninterest expense to average assets | 2.2491% | 6,506 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6991% | 3,412 |
| Return on assets (ROA) | 0.7320% | 3,419 |
| Pretax return on assets | 0.7666% | 3,995 |
| Return on Equity (ROE) | 5.8226% | 3,883 |
| Retained earnings to average equity (ytd only) | 3.7053% | 3,744 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4464% | 3,170 |
| Assets per employee ($millions) | 5.3750% | 1,725 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9616% | 2,279 |
| Loan loss allowance to noncurrent loans | 168.2609% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 6,642 |
| Noncurrent loans to loans | 1.1658% | 5,008 |
| Net loans and leases to total assets | 25.7037% | 7,615 |
| Net loans and leases to deposits | 29.9620% | 7,638 |
| Net loans and leases to core deposits | 30.8598% | 7,647 |
| Total domestic deposits to total assets | 85.7874% | 3,211 |
| Equity capital to assets | 12.6458% | 1,716 |
| Core capital (leverage) ratio | 12.1325% | 1,577 |
| Tier 1 risk-based capital ratio | 28.0175% | 629 |
| Total risk-based capital ratio | 29.2684% | 614 |
| Memoranda: | ||
| Average total assets | $75,141,670 | 5,831 |
| Average earning assets | $70,090,670 | 5,771 |
| Average equity | $9,446,000 | 5,357 |
| Average total loans | $18,573,670 | 7,148 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 7,686 |
| Cost of funding earning assets | 0.6332% | 7,485 |
| Net interest margin | 2.9416% | 6,949 |
| Noninterest income to average assets | 0.2877% | 5,843 |
| Noninterest expense to average assets | 2.1948% | 6,699 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7677% | 3,120 |
| Return on assets (ROA) | 0.7778% | 3,178 |
| Pretax return on assets | 0.8257% | 3,761 |
| Return on Equity (ROE) | 6.2055% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.0803% | 3,702 |
| Net charge-offs to loans | -0.0445% | 7,315 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9204% | 3,775 |
| Assets per employee ($millions) | 5.1078% | 2,081 |
| Cash dividends to net income (ytd only)* | 34.2466% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3298% | 1,529 |
| Loan loss allowance to noncurrent loans | 144.6097% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 6,598 |
| Noncurrent loans to loans | 1.6111% | 4,328 |
| Net loans and leases to total assets | 21.2851% | 7,771 |
| Net loans and leases to deposits | 24.6863% | 7,798 |
| Net loans and leases to core deposits | 25.3077% | 7,795 |
| Total domestic deposits to total assets | 86.2224% | 3,021 |
| Equity capital to assets | 12.3001% | 1,874 |
| Core capital (leverage) ratio | 12.0256% | 1,642 |
| Tier 1 risk-based capital ratio | 28.0818% | 635 |
| Total risk-based capital ratio | 29.3312% | 620 |
| Memoranda: | ||
| Average total assets | $75,087,500 | 5,904 |
| Average earning assets | $69,485,000 | 5,861 |
| Average equity | $9,411,000 | 5,421 |
| Average total loans | $17,996,000 | 7,265 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 7,586 |
| Cost of funding earning assets | 0.7712% | 7,595 |
| Net interest margin | 3.4705% | 5,083 |
| Noninterest income to average assets | 0.3736% | 5,417 |
| Noninterest expense to average assets | 2.1971% | 7,000 |
| Loan and lease loss provision to assets | 0.2705% | 5,250 |
| Net operating income to assets | 0.9838% | 1,895 |
| Return on assets (ROA) | 1.0091% | 1,860 |
| Pretax return on assets | 1.1951% | 1,967 |
| Return on Equity (ROE) | 7.6859% | 2,501 |
| Retained earnings to average equity (ytd only) | 3.3251% | 2,843 |
| Net charge-offs to loans | 0.4552% | 3,960 |
| Credit loss provision to net charge-offs | 210.0000% | 1,827 |
| Earnings coverage of net charge-offs (x) | 11.1444% | 1,623 |
| Efficiency ratio | 60.4807% | 6,412 |
| Assets per employee ($millions) | 5.2541% | 1,886 |
| Cash dividends to net income (ytd only)* | 56.7376% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 2,009 |
| Loan loss allowance to noncurrent loans | 204.7619% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 6,807 |
| Noncurrent loans to loans | 0.9795% | 5,362 |
| Net loans and leases to total assets | 25.7049% | 7,787 |
| Net loans and leases to deposits | 29.9951% | 7,810 |
| Net loans and leases to core deposits | 37.0469% | 7,800 |
| Total domestic deposits to total assets | 85.6970% | 3,166 |
| Equity capital to assets | 12.7763% | 1,605 |
| Core capital (leverage) ratio | 12.9027% | 1,277 |
| Tier 1 risk-based capital ratio | 27.6212% | 663 |
| Total risk-based capital ratio | 28.8448% | 648 |
| Memoranda: | ||
| Average total assets | $69,866,000 | 6,007 |
| Average earning assets | $65,609,800 | 5,940 |
| Average equity | $9,172,600 | 5,555 |
| Average total loans | $19,771,600 | 7,208 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 7,651 |
| Cost of funding earning assets | 0.7956% | 7,697 |
| Net interest margin | 3.5434% | 4,693 |
| Noninterest income to average assets | 0.3674% | 5,566 |
| Noninterest expense to average assets | 2.1640% | 7,065 |
| Loan and lease loss provision to assets | 0.3655% | 4,129 |
| Net operating income to assets | 0.9909% | 2,096 |
| Return on assets (ROA) | 1.0250% | 2,046 |
| Pretax return on assets | 1.2203% | 2,196 |
| Return on Equity (ROE) | 7.7515% | 2,748 |
| Retained earnings to average equity (ytd only) | 5.5577% | 2,171 |
| Net charge-offs to loans | 0.5832% | 2,927 |
| Credit loss provision to net charge-offs | 217.2414% | 2,022 |
| Earnings coverage of net charge-offs (x) | 9.1837% | 2,138 |
| Efficiency ratio | 58.3420% | 6,673 |
| Assets per employee ($millions) | 4.6811% | 2,588 |
| Cash dividends to net income (ytd only)* | 28.3026% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8548% | 2,145 |
| Loan loss allowance to noncurrent loans | 319.6721% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 7,065 |
| Noncurrent loans to loans | 0.5802% | 6,157 |
| Net loans and leases to total assets | 31.4896% | 7,768 |
| Net loans and leases to deposits | 37.4850% | 7,795 |
| Net loans and leases to core deposits | 48.0467% | 7,728 |
| Total domestic deposits to total assets | 84.0057% | 3,719 |
| Equity capital to assets | 14.3951% | 1,173 |
| Core capital (leverage) ratio | 13.6705% | 1,176 |
| Tier 1 risk-based capital ratio | 29.3716% | 606 |
| Total risk-based capital ratio | 30.6200% | 594 |
| Memoranda: | ||
| Average total assets | $68,943,000 | 6,078 |
| Average earning assets | $65,019,750 | 6,004 |
| Average equity | $9,116,250 | 5,628 |
| Average total loans | $19,890,750 | 7,267 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 7,743 |
| Cost of funding earning assets | 0.8082% | 7,810 |
| Net interest margin | 3.5539% | 4,556 |
| Noninterest income to average assets | 0.3624% | 5,613 |
| Noninterest expense to average assets | 2.1690% | 7,126 |
| Loan and lease loss provision to assets | 0.3739% | 3,687 |
| Net operating income to assets | 0.9799% | 2,177 |
| Return on assets (ROA) | 1.0303% | 2,083 |
| Pretax return on assets | 1.2300% | 2,216 |
| Return on Equity (ROE) | 8.0130% | 2,763 |
| Retained earnings to average equity (ytd only) | 5.7934% | 2,120 |
| Net charge-offs to loans | 0.8815% | 1,932 |
| Credit loss provision to net charge-offs | 152.3256% | 3,017 |
| Earnings coverage of net charge-offs (x) | 6.2907% | 2,648 |
| Efficiency ratio | 58.4166% | 6,781 |
| Assets per employee ($millions) | 4.7494% | 2,399 |
| Cash dividends to net income (ytd only)* | 27.7008% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 2,258 |
| Loan loss allowance to noncurrent loans | 314.1509% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 7,161 |
| Noncurrent loans to loans | 0.5490% | 6,170 |
| Net loans and leases to total assets | 28.5388% | 7,920 |
| Net loans and leases to deposits | 33.7075% | 7,943 |
| Net loans and leases to core deposits | 42.6111% | 7,899 |
| Total domestic deposits to total assets | 84.6658% | 3,409 |
| Equity capital to assets | 13.8663% | 1,361 |
| Core capital (leverage) ratio | 12.9827% | 1,436 |
| Tier 1 risk-based capital ratio | 29.6847% | 620 |
| Total risk-based capital ratio | 30.9465% | 609 |
| Memoranda: | ||
| Average total assets | $70,078,670 | 6,081 |
| Average earning assets | $66,069,000 | 6,003 |
| Average equity | $9,010,330 | 5,684 |
| Average total loans | $19,512,000 | 7,358 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 7,794 |
| Cost of funding earning assets | 0.8522% | 7,862 |
| Net interest margin | 3.5508% | 4,525 |
| Noninterest income to average assets | 0.3395% | 5,739 |
| Noninterest expense to average assets | 1.7309% | 7,785 |
| Loan and lease loss provision to assets | 0.5120% | 2,422 |
| Net operating income to assets | 1.1420% | 1,833 |
| Return on assets (ROA) | 1.2355% | 1,652 |
| Pretax return on assets | 1.5528% | 1,527 |
| Return on Equity (ROE) | 9.9714% | 2,331 |
| Retained earnings to average equity (ytd only) | 7.7256% | 1,915 |
| Net charge-offs to loans | 1.7539% | 826 |
| Credit loss provision to net charge-offs | 106.9767% | 3,576 |
| Earnings coverage of net charge-offs (x) | 4.0698% | 2,986 |
| Efficiency ratio | 47.0499% | 7,789 |
| Assets per employee ($millions) | 5.1549% | 1,887 |
| Cash dividends to net income (ytd only)* | 22.5225% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 2,745 |
| Loan loss allowance to noncurrent loans | 445.4545% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 7,315 |
| Noncurrent loans to loans | 0.3464% | 6,562 |
| Net loans and leases to total assets | 25.9959% | 8,002 |
| Net loans and leases to deposits | 30.1159% | 8,035 |
| Net loans and leases to core deposits | 37.7759% | 8,007 |
| Total domestic deposits to total assets | 86.3196% | 2,542 |
| Equity capital to assets | 12.5428% | 1,950 |
| Core capital (leverage) ratio | 11.9488% | 1,921 |
| Tier 1 risk-based capital ratio | 28.0114% | 753 |
| Total risk-based capital ratio | 28.9394% | 758 |
| Memoranda: | ||
| Average total assets | $71,872,000 | 6,072 |
| Average earning assets | $67,590,500 | 5,990 |
| Average equity | $8,905,500 | 5,735 |
| Average total loans | $19,613,500 | 7,397 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1013% | 7,768 |
| Cost of funding earning assets | 1.2449% | 7,895 |
| Net interest margin | 3.8563% | 3,767 |
| Noninterest income to average assets | 0.4317% | 5,200 |
| Noninterest expense to average assets | 2.2104% | 6,939 |
| Loan and lease loss provision to assets | 0.3383% | 3,687 |
| Net operating income to assets | 1.1708% | 1,874 |
| Return on assets (ROA) | 1.1527% | 1,859 |
| Pretax return on assets | 1.4542% | 1,809 |
| Return on Equity (ROE) | 8.6649% | 2,772 |
| Retained earnings to average equity (ytd only) | 4.0620% | 2,600 |
| Net charge-offs to loans | 0.9133% | 1,356 |
| Credit loss provision to net charge-offs | 125.5682% | 4,253 |
| Earnings coverage of net charge-offs (x) | 6.7386% | 3,286 |
| Efficiency ratio | 54.9049% | 7,163 |
| Assets per employee ($millions) | 4.7717% | 2,211 |
| Cash dividends to net income (ytd only)* | 53.1208% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 3,043 |
| Loan loss allowance to noncurrent loans | 378.9474% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 7,153 |
| Noncurrent loans to loans | 0.3768% | 6,226 |
| Net loans and leases to total assets | 27.7806% | 8,038 |
| Net loans and leases to deposits | 32.0503% | 8,092 |
| Net loans and leases to core deposits | 40.1510% | 8,051 |
| Total domestic deposits to total assets | 86.6783% | 2,103 |
| Equity capital to assets | 12.2375% | 2,144 |
| Core capital (leverage) ratio | 12.4788% | 1,764 |
| Tier 1 risk-based capital ratio | 26.5872% | 857 |
| Total risk-based capital ratio | 27.4672% | 863 |
| Memoranda: | ||
| Average total assets | $65,326,400 | 6,182 |
| Average earning assets | $60,887,000 | 6,137 |
| Average equity | $8,690,200 | 5,845 |
| Average total loans | $19,271,600 | 7,380 |