Home > The First National Bank of Stigler > Performance and Condition Ratios
The First National Bank of Stigler, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 3,527 |
| Cost of funding earning assets | 1.5307% | 3,125 |
| Net interest margin | 3.0678% | 2,864 |
| Noninterest income to average assets | 0.6000% | 1,364 |
| Noninterest expense to average assets | 1.3462% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.1828% | 353 |
| Return on assets (ROA) | 2.1828% | 354 |
| Pretax return on assets | 2.2332% | 461 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,696 |
| Net charge-offs to loans | 0.0556% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 541 |
| Efficiency ratio | 37.6098% | 4,389 |
| Assets per employee ($millions) | 6.4838% | 2,467 |
| Cash dividends to net income (ytd only)* | 132.5648% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 2,700 |
| Loan loss allowance to noncurrent loans | 124.9221% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 2,128 |
| Noncurrent loans to loans | 0.8993% | 969 |
| Net loans and leases to total assets | 27.2200% | 4,328 |
| Net loans and leases to deposits | 27.1717% | 4,366 |
| Net loans and leases to core deposits | 29.0234% | 4,395 |
| Total domestic deposits to total assets | 100.1700% | 23 |
| Equity capital to assets | -0.7025% | 4,584 |
| Core capital (leverage) ratio | 7.9990% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6829% | 450 |
| Memoranda: | ||
| Average total assets | $127,173,500 | 3,586 |
| Average earning assets | $123,344,000 | 3,528 |
| Average equity | $-487,000 | 4,567 |
| Average total loans | $35,956,000 | 4,061 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 3,735 |
| Cost of funding earning assets | 1.0927% | 3,086 |
| Net interest margin | 3.0497% | 3,178 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 1.9980% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4711% | 1,076 |
| Return on assets (ROA) | 1.3530% | 1,289 |
| Pretax return on assets | 1.3943% | 1,651 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.0028% | 2,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,979.0000% | 77 |
| Efficiency ratio | 56.8563% | 3,411 |
| Assets per employee ($millions) | 6.9262% | 2,120 |
| Cash dividends to net income (ytd only)* | 98.8109% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 2,719 |
| Loan loss allowance to noncurrent loans | 139.5189% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 2,046 |
| Noncurrent loans to loans | 0.8035% | 966 |
| Net loans and leases to total assets | 28.7200% | 4,322 |
| Net loans and leases to deposits | 28.9252% | 4,365 |
| Net loans and leases to core deposits | 30.3971% | 4,393 |
| Total domestic deposits to total assets | 99.3100% | 22 |
| Equity capital to assets | -0.0505% | 4,602 |
| Core capital (leverage) ratio | 8.2385% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0859% | 421 |
| Memoranda: | ||
| Average total assets | $130,529,400 | 3,548 |
| Average earning assets | $126,568,000 | 3,475 |
| Average equity | $-663,800 | 4,584 |
| Average total loans | $36,311,600 | 4,048 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,835 |
| Cost of funding earning assets | 0.9946% | 3,057 |
| Net interest margin | 3.0130% | 3,320 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.0142% | 3,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4265% | 1,263 |
| Return on assets (ROA) | 1.2707% | 1,600 |
| Pretax return on assets | 1.3101% | 2,006 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0037% | 2,369 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 1,457.0000% | 104 |
| Efficiency ratio | 57.7804% | 3,232 |
| Assets per employee ($millions) | 6.3236% | 2,476 |
| Cash dividends to net income (ytd only)* | 66.6932% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 2,796 |
| Loan loss allowance to noncurrent loans | 141.8118% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 2,123 |
| Noncurrent loans to loans | 0.7851% | 1,057 |
| Net loans and leases to total assets | 28.5800% | 4,339 |
| Net loans and leases to deposits | 28.3352% | 4,400 |
| Net loans and leases to core deposits | 29.7096% | 4,385 |
| Total domestic deposits to total assets | 100.8800% | 24 |
| Equity capital to assets | -1.6771% | 4,626 |
| Core capital (leverage) ratio | 8.4481% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3122% | 415 |
| Memoranda: | ||
| Average total assets | $131,993,750 | 3,538 |
| Average earning assets | $128,019,250 | 3,473 |
| Average equity | $-814,000 | 4,613 |
| Average total loans | $36,335,000 | 4,063 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 3,873 |
| Cost of funding earning assets | 0.8535% | 3,065 |
| Net interest margin | 3.0443% | 3,330 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 1.9845% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4929% | 1,113 |
| Return on assets (ROA) | 1.4929% | 1,110 |
| Pretax return on assets | 1.5273% | 1,547 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.5106% | 3,355 |
| Assets per employee ($millions) | 5.9624% | 2,741 |
| Cash dividends to net income (ytd only)* | 36.6366% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 2,873 |
| Loan loss allowance to noncurrent loans | 141.8118% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 2,099 |
| Noncurrent loans to loans | 0.7870% | 964 |
| Net loans and leases to total assets | 27.4900% | 4,372 |
| Net loans and leases to deposits | 27.5681% | 4,423 |
| Net loans and leases to core deposits | 28.7977% | 4,416 |
| Total domestic deposits to total assets | 99.7200% | 24 |
| Equity capital to assets | -0.3736% | 4,654 |
| Core capital (leverage) ratio | 8.3659% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7426% | 502 |
| Memoranda: | ||
| Average total assets | $133,834,333 | 3,528 |
| Average earning assets | $129,818,333 | 3,460 |
| Average equity | $-378,333 | 4,641 |
| Average total loans | $36,261,000 | 4,080 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7794% | 3,897 |
| Cost of funding earning assets | 0.7016% | 3,049 |
| Net interest margin | 3.0778% | 3,401 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.0123% | 3,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4590% | 1,265 |
| Return on assets (ROA) | 1.4590% | 1,241 |
| Pretax return on assets | 1.5093% | 1,654 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.1429% | 3,286 |
| Assets per employee ($millions) | 6.0297% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 2,909 |
| Loan loss allowance to noncurrent loans | 141.8118% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 2,052 |
| Noncurrent loans to loans | 0.7960% | 970 |
| Net loans and leases to total assets | 26.8700% | 4,427 |
| Net loans and leases to deposits | 27.0285% | 4,488 |
| Net loans and leases to core deposits | 27.7616% | 4,487 |
| Total domestic deposits to total assets | 99.4300% | 6 |
| Equity capital to assets | 0.0302% | 4,664 |
| Core capital (leverage) ratio | 8.1228% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6126% | 524 |
| Memoranda: | ||
| Average total assets | $135,165,500 | 3,567 |
| Average earning assets | $131,133,000 | 3,494 |
| Average equity | $-322,500 | 4,665 |
| Average total loans | $36,157,500 | 4,129 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1617% | 3,887 |
| Cost of funding earning assets | 0.2016% | 3,750 |
| Net interest margin | 2.9601% | 3,546 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 1.9210% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4488% | 1,009 |
| Return on assets (ROA) | 1.4488% | 969 |
| Pretax return on assets | 1.4980% | 1,460 |
| Return on Equity (ROE) | 61.2800% | 22 |
| Retained earnings to average equity (ytd only) | 20.5904% | 78 |
| Net charge-offs to loans | 0.1206% | 635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 46.4318% | 1,408 |
| Efficiency ratio | 56.1870% | 3,564 |
| Assets per employee ($millions) | 6.2580% | 2,544 |
| Cash dividends to net income (ytd only)* | 66.3968% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,170 |
| Loan loss allowance to noncurrent loans | 146.7532% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 2,039 |
| Noncurrent loans to loans | 0.8495% | 880 |
| Net loans and leases to total assets | 26.0100% | 4,475 |
| Net loans and leases to deposits | 25.9816% | 4,526 |
| Net loans and leases to core deposits | 26.4427% | 4,522 |
| Total domestic deposits to total assets | 100.1000% | 10 |
| Equity capital to assets | -0.4975% | 4,713 |
| Core capital (leverage) ratio | 7.7462% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6913% | 568 |
| Memoranda: | ||
| Average total assets | $136,385,800 | 3,572 |
| Average earning assets | $132,461,400 | 3,502 |
| Average equity | $3,224,800 | 4,594 |
| Average total loans | $36,482,400 | 4,125 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0442% | 3,804 |
| Cost of funding earning assets | 0.1342% | 3,996 |
| Net interest margin | 2.9100% | 3,467 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.9236% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3983% | 1,097 |
| Return on assets (ROA) | 1.3983% | 1,067 |
| Pretax return on assets | 1.4473% | 1,562 |
| Return on Equity (ROE) | 45.2800% | 35 |
| Retained earnings to average equity (ytd only) | 10.7876% | 1,106 |
| Net charge-offs to loans | 0.1642% | 396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 32.8222% | 1,482 |
| Efficiency ratio | 57.0640% | 3,506 |
| Assets per employee ($millions) | 6.3180% | 2,474 |
| Cash dividends to net income (ytd only)* | 76.1738% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,304 |
| Loan loss allowance to noncurrent loans | 146.7532% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 2,069 |
| Noncurrent loans to loans | 0.8468% | 926 |
| Net loans and leases to total assets | 27.0700% | 4,481 |
| Net loans and leases to deposits | 27.0238% | 4,550 |
| Net loans and leases to core deposits | 27.5208% | 4,550 |
| Total domestic deposits to total assets | 100.1800% | 16 |
| Equity capital to assets | -0.7160% | 4,744 |
| Core capital (leverage) ratio | 7.5948% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0082% | 644 |
| Memoranda: | ||
| Average total assets | $136,063,000 | 3,600 |
| Average earning assets | $132,183,250 | 3,521 |
| Average equity | $4,202,250 | 4,562 |
| Average total loans | $36,538,500 | 4,147 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9195% | 3,741 |
| Cost of funding earning assets | 0.1186% | 3,978 |
| Net interest margin | 2.8009% | 3,445 |
| Noninterest income to average assets | 0.5102% | 2,143 |
| Noninterest expense to average assets | 1.8850% | 3,742 |
| Loan and lease loss provision to assets | 0.0015% | 2,583 |
| Net operating income to assets | 1.2975% | 1,141 |
| Return on assets (ROA) | 1.2975% | 1,123 |
| Pretax return on assets | 1.3441% | 1,602 |
| Return on Equity (ROE) | 30.0693% | 58 |
| Retained earnings to average equity (ytd only) | 9.3248% | 1,194 |
| Net charge-offs to loans | 0.2405% | 269 |
| Credit loss provision to net charge-offs | 2.2727% | 1,656 |
| Earnings coverage of net charge-offs (x) | 20.9773% | 1,537 |
| Efficiency ratio | 58.3484% | 3,511 |
| Assets per employee ($millions) | 5.8014% | 2,918 |
| Cash dividends to net income (ytd only)* | 68.9888% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 27.0053% | 4,538 |
| Net loans and leases to deposits | 27.2463% | 4,597 |
| Net loans and leases to core deposits | 27.7488% | 4,604 |
| Total domestic deposits to total assets | 99.1157% | 12 |
| Equity capital to assets | 0.4017% | 4,760 |
| Core capital (leverage) ratio | 7.5477% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2808% | 605 |
| Memoranda: | ||
| Average total assets | $137,191,333 | 3,628 |
| Average earning assets | $133,242,333 | 3,563 |
| Average equity | $5,919,667 | 4,420 |
| Average total loans | $36,594,333 | 4,201 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7135% | 3,923 |
| Cost of funding earning assets | 0.1006% | 4,128 |
| Net interest margin | 2.6129% | 3,625 |
| Noninterest income to average assets | 0.4660% | 2,322 |
| Noninterest expense to average assets | 1.9673% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9865% | 1,933 |
| Return on assets (ROA) | 0.9865% | 1,930 |
| Pretax return on assets | 1.0383% | 2,328 |
| Return on Equity (ROE) | 15.9322% | 544 |
| Retained earnings to average equity (ytd only) | 15.9322% | 237 |
| Net charge-offs to loans | 0.6003% | 111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 6.5636% | 1,567 |
| Efficiency ratio | 65.4545% | 2,841 |
| Assets per employee ($millions) | 6.3338% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,675 |
| Loan loss allowance to noncurrent loans | 1,575.0000% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,846 |
| Noncurrent loans to loans | 0.0785% | 3,450 |
| Net loans and leases to total assets | 25.2957% | 4,586 |
| Net loans and leases to deposits | 26.5810% | 4,629 |
| Net loans and leases to core deposits | 27.0668% | 4,634 |
| Total domestic deposits to total assets | 95.1645% | 35 |
| Equity capital to assets | 4.4207% | 4,758 |
| Core capital (leverage) ratio | 7.6727% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9400% | 567 |
| Memoranda: | ||
| Average total assets | $139,070,500 | 3,626 |
| Average earning assets | $135,178,000 | 3,564 |
| Average equity | $8,611,500 | 4,195 |
| Average total loans | $36,648,500 | 4,217 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1275% | 3,629 |
| Cost of funding earning assets | 0.1060% | 4,342 |
| Net interest margin | 3.0215% | 3,142 |
| Noninterest income to average assets | 0.4545% | 2,795 |
| Noninterest expense to average assets | 1.8259% | 4,092 |
| Loan and lease loss provision to assets | -0.0007% | 4,132 |
| Net operating income to assets | 1.5184% | 976 |
| Return on assets (ROA) | 1.5553% | 929 |
| Pretax return on assets | 1.6011% | 1,415 |
| Return on Equity (ROE) | 18.5039% | 422 |
| Retained earnings to average equity (ytd only) | 6.9170% | 1,949 |
| Net charge-offs to loans | -0.0026% | 3,413 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8894% | 3,943 |
| Assets per employee ($millions) | 6.3090% | 2,479 |
| Cash dividends to net income (ytd only)* | 62.6189% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,276 |
| Loan loss allowance to noncurrent loans | 281.8182% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 3,048 |
| Noncurrent loans to loans | 0.4680% | 1,961 |
| Net loans and leases to total assets | 26.7383% | 4,603 |
| Net loans and leases to deposits | 29.1665% | 4,641 |
| Net loans and leases to core deposits | 29.7210% | 4,646 |
| Total domestic deposits to total assets | 91.6749% | 273 |
| Equity capital to assets | 7.9706% | 4,380 |
| Core capital (leverage) ratio | 7.5444% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8525% | 569 |
| Memoranda: | ||
| Average total assets | $141,898,800 | 3,566 |
| Average earning assets | $137,778,400 | 3,501 |
| Average equity | $11,927,200 | 3,940 |
| Average total loans | $38,467,000 | 4,224 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2380% | 3,534 |
| Cost of funding earning assets | 0.1087% | 4,432 |
| Net interest margin | 3.1292% | 2,965 |
| Noninterest income to average assets | 0.4364% | 2,902 |
| Noninterest expense to average assets | 1.8027% | 4,163 |
| Loan and lease loss provision to assets | -0.0007% | 4,282 |
| Net operating income to assets | 1.6294% | 955 |
| Return on assets (ROA) | 1.6784% | 913 |
| Pretax return on assets | 1.7242% | 1,350 |
| Return on Equity (ROE) | 19.7197% | 446 |
| Retained earnings to average equity (ytd only) | 9.4097% | 1,533 |
| Net charge-offs to loans | -0.0034% | 3,336 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8688% | 4,033 |
| Assets per employee ($millions) | 6.7249% | 2,074 |
| Cash dividends to net income (ytd only)* | 52.2829% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,301 |
| Loan loss allowance to noncurrent loans | 243.1373% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 3,195 |
| Noncurrent loans to loans | 0.5494% | 1,944 |
| Net loans and leases to total assets | 24.7607% | 4,732 |
| Net loans and leases to deposits | 27.1354% | 4,753 |
| Net loans and leases to core deposits | 27.6200% | 4,762 |
| Total domestic deposits to total assets | 91.2490% | 298 |
| Equity capital to assets | 8.3029% | 4,343 |
| Core capital (leverage) ratio | 7.3939% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7686% | 717 |
| Memoranda: | ||
| Average total assets | $142,674,250 | 3,596 |
| Average earning assets | $138,560,250 | 3,522 |
| Average equity | $12,143,250 | 3,969 |
| Average total loans | $38,681,750 | 4,281 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 2,532 |
| Cost of funding earning assets | 0.1126% | 4,485 |
| Net interest margin | 3.5168% | 1,813 |
| Noninterest income to average assets | 0.4286% | 2,959 |
| Noninterest expense to average assets | 1.7826% | 4,223 |
| Loan and lease loss provision to assets | -0.0014% | 4,376 |
| Net operating income to assets | 2.0155% | 472 |
| Return on assets (ROA) | 2.0906% | 434 |
| Pretax return on assets | 2.1360% | 644 |
| Return on Equity (ROE) | 24.3545% | 216 |
| Retained earnings to average equity (ytd only) | 13.7232% | 594 |
| Net charge-offs to loans | -0.0051% | 3,444 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4154% | 4,496 |
| Assets per employee ($millions) | 6.6685% | 2,042 |
| Cash dividends to net income (ytd only)* | 43.6524% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,664 |
| Loan loss allowance to noncurrent loans | 214.7186% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 3,208 |
| Noncurrent loans to loans | 0.5843% | 1,940 |
| Net loans and leases to total assets | 26.6095% | 4,735 |
| Net loans and leases to deposits | 29.1420% | 4,771 |
| Net loans and leases to core deposits | 29.6659% | 4,780 |
| Total domestic deposits to total assets | 91.3099% | 282 |
| Equity capital to assets | 8.2716% | 4,375 |
| Core capital (leverage) ratio | 7.4617% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2347% | 673 |
| Memoranda: | ||
| Average total assets | $140,916,333 | 3,626 |
| Average earning assets | $136,714,667 | 3,554 |
| Average equity | $12,096,333 | 3,977 |
| Average total loans | $39,199,333 | 4,299 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 1,357 |
| Cost of funding earning assets | 0.1227% | 4,509 |
| Net interest margin | 3.9896% | 856 |
| Noninterest income to average assets | 0.4144% | 3,012 |
| Noninterest expense to average assets | 1.8722% | 4,052 |
| Loan and lease loss provision to assets | -0.0029% | 4,555 |
| Net operating income to assets | 2.3617% | 336 |
| Return on assets (ROA) | 2.4924% | 295 |
| Pretax return on assets | 2.5416% | 405 |
| Return on Equity (ROE) | 28.4839% | 172 |
| Retained earnings to average equity (ytd only) | 28.4839% | 88 |
| Net charge-offs to loans | 0.0102% | 1,559 |
| Credit loss provision to net charge-offs | -100.0000% | 2,828 |
| Earnings coverage of net charge-offs (x) | 830.0000% | 114 |
| Efficiency ratio | 43.7669% | 4,594 |
| Assets per employee ($millions) | 6.4851% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,625 |
| Loan loss allowance to noncurrent loans | 249.4949% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 3,480 |
| Noncurrent loans to loans | 0.5046% | 2,345 |
| Net loans and leases to total assets | 27.1546% | 4,769 |
| Net loans and leases to deposits | 29.7521% | 4,796 |
| Net loans and leases to core deposits | 30.4897% | 4,806 |
| Total domestic deposits to total assets | 91.2695% | 305 |
| Equity capital to assets | 8.3590% | 4,224 |
| Core capital (leverage) ratio | 7.8958% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5952% | 544 |
| Memoranda: | ||
| Average total assets | $138,021,000 | 3,662 |
| Average earning assets | $133,648,500 | 3,589 |
| Average equity | $12,077,000 | 3,990 |
| Average total loans | $39,032,000 | 4,324 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4143% | 4,172 |
| Cost of funding earning assets | 0.2409% | 4,420 |
| Net interest margin | 3.1734% | 3,427 |
| Noninterest income to average assets | 0.7372% | 1,727 |
| Noninterest expense to average assets | 2.0167% | 4,108 |
| Loan and lease loss provision to assets | 0.0024% | 4,302 |
| Net operating income to assets | 1.7442% | 446 |
| Return on assets (ROA) | 1.8442% | 379 |
| Pretax return on assets | 1.8929% | 562 |
| Return on Equity (ROE) | 20.4372% | 213 |
| Retained earnings to average equity (ytd only) | 7.8155% | 1,111 |
| Net charge-offs to loans | 0.0024% | 3,310 |
| Credit loss provision to net charge-offs | 300.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 2,244.0000% | 42 |
| Efficiency ratio | 52.9461% | 4,316 |
| Assets per employee ($millions) | 5.7987% | 2,546 |
| Cash dividends to net income (ytd only)* | 61.7583% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,527 |
| Loan loss allowance to noncurrent loans | 207.5314% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 3,383 |
| Noncurrent loans to loans | 0.6155% | 2,159 |
| Net loans and leases to total assets | 28.7411% | 4,786 |
| Net loans and leases to deposits | 31.7784% | 4,812 |
| Net loans and leases to core deposits | 32.6283% | 4,826 |
| Total domestic deposits to total assets | 90.4424% | 398 |
| Equity capital to assets | 9.1685% | 3,923 |
| Core capital (leverage) ratio | 7.6946% | 4,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3501% | 638 |
| Memoranda: | ||
| Average total assets | $125,205,200 | 3,683 |
| Average earning assets | $121,196,200 | 3,612 |
| Average equity | $11,298,000 | 4,046 |
| Average total loans | $42,138,200 | 4,271 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 4,061 |
| Cost of funding earning assets | 0.2724% | 4,424 |
| Net interest margin | 3.3097% | 3,159 |
| Noninterest income to average assets | 0.8260% | 1,404 |
| Noninterest expense to average assets | 2.0871% | 3,973 |
| Loan and lease loss provision to assets | 0.0008% | 4,235 |
| Net operating income to assets | 1.9475% | 330 |
| Return on assets (ROA) | 2.0871% | 267 |
| Pretax return on assets | 2.0871% | 427 |
| Return on Equity (ROE) | 23.2308% | 146 |
| Retained earnings to average equity (ytd only) | 10.8804% | 599 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7167% | 4,362 |
| Assets per employee ($millions) | 5.5629% | 2,657 |
| Cash dividends to net income (ytd only)* | 53.1639% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,081 |
| Loan loss allowance to noncurrent loans | 194.1176% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 3,442 |
| Noncurrent loans to loans | 0.5787% | 2,350 |
| Net loans and leases to total assets | 34.0542% | 4,740 |
| Net loans and leases to deposits | 37.8911% | 4,793 |
| Net loans and leases to core deposits | 38.9486% | 4,808 |
| Total domestic deposits to total assets | 89.8739% | 471 |
| Equity capital to assets | 9.5986% | 3,605 |
| Core capital (leverage) ratio | 7.8182% | 4,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7130% | 708 |
| Memoranda: | ||
| Average total assets | $123,164,000 | 3,699 |
| Average earning assets | $119,443,000 | 3,618 |
| Average equity | $11,065,500 | 4,073 |
| Average total loans | $42,965,750 | 4,277 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 3,821 |
| Cost of funding earning assets | 0.3242% | 4,384 |
| Net interest margin | 3.4920% | 2,813 |
| Noninterest income to average assets | 0.9772% | 1,023 |
| Noninterest expense to average assets | 2.0712% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.2900% | 196 |
| Return on assets (ROA) | 2.5023% | 152 |
| Pretax return on assets | 2.5023% | 214 |
| Return on Equity (ROE) | 28.5357% | 73 |
| Retained earnings to average equity (ytd only) | 9.3055% | 933 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4915% | 4,657 |
| Assets per employee ($millions) | 5.6582% | 2,479 |
| Cash dividends to net income (ytd only)* | 67.3899% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,139 |
| Loan loss allowance to noncurrent loans | 99.1968% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 2,770 |
| Noncurrent loans to loans | 1.0963% | 1,431 |
| Net loans and leases to total assets | 34.5246% | 4,767 |
| Net loans and leases to deposits | 38.1519% | 4,831 |
| Net loans and leases to core deposits | 39.1738% | 4,835 |
| Total domestic deposits to total assets | 90.4925% | 271 |
| Equity capital to assets | 9.0403% | 4,059 |
| Core capital (leverage) ratio | 7.6532% | 4,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2566% | 875 |
| Memoranda: | ||
| Average total assets | $121,570,000 | 3,706 |
| Average earning assets | $117,813,333 | 3,622 |
| Average equity | $10,660,333 | 4,143 |
| Average total loans | $42,599,000 | 4,303 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 4,243 |
| Cost of funding earning assets | 0.4197% | 4,289 |
| Net interest margin | 3.3755% | 3,376 |
| Noninterest income to average assets | 1.3710% | 471 |
| Noninterest expense to average assets | 2.1213% | 4,178 |
| Loan and lease loss provision to assets | -0.0068% | 5,037 |
| Net operating income to assets | 2.5203% | 107 |
| Return on assets (ROA) | 2.9603% | 69 |
| Pretax return on assets | 2.9603% | 97 |
| Return on Equity (ROE) | 34.3490% | 26 |
| Retained earnings to average equity (ytd only) | 34.3490% | 12 |
| Net charge-offs to loans | -0.0097% | 4,071 |
| Credit loss provision to net charge-offs | 200.0000% | 1,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7689% | 4,839 |
| Assets per employee ($millions) | 5.0670% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,606 |
| Loan loss allowance to noncurrent loans | 99.5960% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 2,774 |
| Noncurrent loans to loans | 1.2163% | 1,342 |
| Net loans and leases to total assets | 34.4966% | 4,820 |
| Net loans and leases to deposits | 37.9858% | 4,868 |
| Net loans and leases to core deposits | 39.1167% | 4,887 |
| Total domestic deposits to total assets | 90.8145% | 131 |
| Equity capital to assets | 8.7213% | 4,722 |
| Core capital (leverage) ratio | 8.5014% | 4,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0769% | 975 |
| Memoranda: | ||
| Average total assets | $117,285,500 | 3,746 |
| Average earning assets | $113,406,500 | 3,657 |
| Average equity | $10,108,000 | 4,229 |
| Average total loans | $41,186,500 | 4,346 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 4,227 |
| Cost of funding earning assets | 0.4413% | 4,303 |
| Net interest margin | 3.5733% | 3,220 |
| Noninterest income to average assets | 0.6010% | 2,214 |
| Noninterest expense to average assets | 2.2488% | 4,064 |
| Loan and lease loss provision to assets | 0.0473% | 3,081 |
| Net operating income to assets | 1.7521% | 590 |
| Return on assets (ROA) | 1.7565% | 616 |
| Pretax return on assets | 1.7565% | 1,052 |
| Return on Equity (ROE) | 21.4755% | 147 |
| Retained earnings to average equity (ytd only) | 2.8384% | 3,622 |
| Net charge-offs to loans | 0.0231% | 2,947 |
| Credit loss provision to net charge-offs | 600.0000% | 512 |
| Earnings coverage of net charge-offs (x) | 228.2222% | 360 |
| Efficiency ratio | 55.5507% | 4,261 |
| Assets per employee ($millions) | 4.9179% | 2,690 |
| Cash dividends to net income (ytd only)* | 86.7830% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,511 |
| Loan loss allowance to noncurrent loans | 484.3137% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 4,211 |
| Noncurrent loans to loans | 0.2447% | 3,568 |
| Net loans and leases to total assets | 34.8923% | 4,879 |
| Net loans and leases to deposits | 38.3215% | 4,934 |
| Net loans and leases to core deposits | 39.4420% | 4,955 |
| Total domestic deposits to total assets | 91.0514% | 115 |
| Equity capital to assets | 8.5166% | 4,907 |
| Core capital (leverage) ratio | 7.9337% | 5,054 |
| Tier 1 risk-based capital ratio | 16.4120% | 2,253 |
| Total risk-based capital ratio | 17.3012% | 2,333 |
| Memoranda: | ||
| Average total assets | $114,148,600 | 3,773 |
| Average earning assets | $110,122,600 | 3,707 |
| Average equity | $9,336,200 | 4,329 |
| Average total loans | $38,979,000 | 4,426 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 4,243 |
| Cost of funding earning assets | 0.4463% | 4,343 |
| Net interest margin | 3.6096% | 3,221 |
| Noninterest income to average assets | 0.5973% | 2,216 |
| Noninterest expense to average assets | 2.1393% | 4,295 |
| Loan and lease loss provision to assets | 0.0589% | 2,717 |
| Net operating income to assets | 1.8766% | 526 |
| Return on assets (ROA) | 1.8825% | 536 |
| Pretax return on assets | 1.8825% | 903 |
| Return on Equity (ROE) | 23.2669% | 130 |
| Retained earnings to average equity (ytd only) | 7.0325% | 1,847 |
| Net charge-offs to loans | 0.0070% | 3,124 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 820.4532% | 117 |
| Efficiency ratio | 52.5007% | 4,558 |
| Assets per employee ($millions) | 4.7205% | 2,890 |
| Cash dividends to net income (ytd only)* | 69.7749% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 1,894 |
| Loan loss allowance to noncurrent loans | 379.3893% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 3,823 |
| Noncurrent loans to loans | 0.3472% | 3,291 |
| Net loans and leases to total assets | 32.8599% | 5,004 |
| Net loans and leases to deposits | 36.3530% | 5,060 |
| Net loans and leases to core deposits | 37.5623% | 5,062 |
| Total domestic deposits to total assets | 90.3913% | 197 |
| Equity capital to assets | 9.0579% | 4,752 |
| Core capital (leverage) ratio | 7.9473% | 5,130 |
| Tier 1 risk-based capital ratio | 18.1322% | 1,777 |
| Total risk-based capital ratio | 19.0974% | 1,806 |
| Memoranda: | ||
| Average total assets | $113,178,500 | 3,832 |
| Average earning assets | $109,039,500 | 3,766 |
| Average equity | $9,157,250 | 4,399 |
| Average total loans | $38,304,500 | 4,499 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 4,204 |
| Cost of funding earning assets | 0.4400% | 4,360 |
| Net interest margin | 3.6426% | 3,124 |
| Noninterest income to average assets | 0.5816% | 2,237 |
| Noninterest expense to average assets | 2.1495% | 4,329 |
| Loan and lease loss provision to assets | 0.0601% | 2,622 |
| Net operating income to assets | 1.8844% | 498 |
| Return on assets (ROA) | 1.8844% | 520 |
| Pretax return on assets | 1.8844% | 859 |
| Return on Equity (ROE) | 24.2576% | 111 |
| Retained earnings to average equity (ytd only) | 11.0365% | 540 |
| Net charge-offs to loans | 0.0208% | 2,441 |
| Credit loss provision to net charge-offs | 850.0000% | 399 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 292 |
| Efficiency ratio | 52.5043% | 4,615 |
| Assets per employee ($millions) | 4.7811% | 2,765 |
| Cash dividends to net income (ytd only)* | 54.5028% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,090 |
| Loan loss allowance to noncurrent loans | 229.1866% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 3,851 |
| Noncurrent loans to loans | 0.5590% | 2,594 |
| Net loans and leases to total assets | 32.1629% | 5,072 |
| Net loans and leases to deposits | 35.4279% | 5,118 |
| Net loans and leases to core deposits | 36.3660% | 5,121 |
| Total domestic deposits to total assets | 90.7841% | 132 |
| Equity capital to assets | 8.7488% | 4,923 |
| Core capital (leverage) ratio | 8.0503% | 5,151 |
| Tier 1 risk-based capital ratio | 17.8906% | 1,833 |
| Total risk-based capital ratio | 18.8083% | 1,881 |
| Memoranda: | ||
| Average total assets | $113,140,330 | 3,857 |
| Average earning assets | $109,099,330 | 3,791 |
| Average equity | $8,789,000 | 4,467 |
| Average total loans | $38,497,670 | 4,532 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 4,248 |
| Cost of funding earning assets | 0.4285% | 4,365 |
| Net interest margin | 3.6277% | 3,145 |
| Noninterest income to average assets | 0.5626% | 2,217 |
| Noninterest expense to average assets | 2.0759% | 4,505 |
| Loan and lease loss provision to assets | 0.0712% | 2,238 |
| Net operating income to assets | 1.9121% | 452 |
| Return on assets (ROA) | 1.9121% | 469 |
| Pretax return on assets | 1.9121% | 776 |
| Return on Equity (ROE) | 26.3106% | 86 |
| Retained earnings to average equity (ytd only) | 26.3106% | 43 |
| Net charge-offs to loans | 0.0512% | 1,552 |
| Credit loss provision to net charge-offs | 400.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 111.4000% | 620 |
| Efficiency ratio | 51.1404% | 4,748 |
| Assets per employee ($millions) | 4.9605% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,581 |
| Loan loss allowance to noncurrent loans | 195.7806% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 3,461 |
| Noncurrent loans to loans | 0.6124% | 2,502 |
| Net loans and leases to total assets | 33.5118% | 5,084 |
| Net loans and leases to deposits | 36.4853% | 5,142 |
| Net loans and leases to core deposits | 37.2564% | 5,158 |
| Total domestic deposits to total assets | 91.8504% | 68 |
| Equity capital to assets | 7.7377% | 5,231 |
| Core capital (leverage) ratio | 8.4187% | 5,053 |
| Tier 1 risk-based capital ratio | 18.0799% | 1,780 |
| Total risk-based capital ratio | 18.9734% | 1,832 |
| Memoranda: | ||
| Average total assets | $112,337,000 | 3,903 |
| Average earning assets | $108,278,500 | 3,844 |
| Average equity | $8,164,000 | 4,597 |
| Average total loans | $39,054,000 | 4,570 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 4,268 |
| Cost of funding earning assets | 0.3286% | 4,419 |
| Net interest margin | 3.5743% | 3,468 |
| Noninterest income to average assets | 0.5718% | 2,440 |
| Noninterest expense to average assets | 2.2082% | 4,315 |
| Loan and lease loss provision to assets | 0.0815% | 2,498 |
| Net operating income to assets | 1.7216% | 653 |
| Return on assets (ROA) | 1.7298% | 641 |
| Pretax return on assets | 1.7298% | 1,092 |
| Return on Equity (ROE) | 25.0007% | 92 |
| Retained earnings to average equity (ytd only) | 0.6155% | 4,825 |
| Net charge-offs to loans | 0.1537% | 1,247 |
| Credit loss provision to net charge-offs | 145.1613% | 1,875 |
| Earnings coverage of net charge-offs (x) | 32.0968% | 1,525 |
| Efficiency ratio | 55.0486% | 4,510 |
| Assets per employee ($millions) | 4.8080% | 2,730 |
| Cash dividends to net income (ytd only)* | 97.5380% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,877 |
| Loan loss allowance to noncurrent loans | 193.5345% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 3,640 |
| Noncurrent loans to loans | 0.5887% | 2,526 |
| Net loans and leases to total assets | 35.2324% | 5,089 |
| Net loans and leases to deposits | 37.9374% | 5,156 |
| Net loans and leases to core deposits | 38.7595% | 5,176 |
| Total domestic deposits to total assets | 92.8696% | 39 |
| Equity capital to assets | 6.7822% | 5,346 |
| Core capital (leverage) ratio | 7.9373% | 5,260 |
| Tier 1 risk-based capital ratio | 17.0283% | 2,056 |
| Total risk-based capital ratio | 17.8919% | 2,136 |
| Memoranda: | ||
| Average total assets | $110,361,800 | 3,940 |
| Average earning assets | $106,201,800 | 3,872 |
| Average equity | $7,635,800 | 4,655 |
| Average total loans | $40,339,800 | 4,544 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 4,298 |
| Cost of funding earning assets | 0.3178% | 4,390 |
| Net interest margin | 3.5438% | 3,540 |
| Noninterest income to average assets | 0.5741% | 2,457 |
| Noninterest expense to average assets | 2.1394% | 4,456 |
| Loan and lease loss provision to assets | 0.0931% | 2,117 |
| Net operating income to assets | 1.7514% | 660 |
| Return on assets (ROA) | 1.7623% | 647 |
| Pretax return on assets | 1.7623% | 1,104 |
| Return on Equity (ROE) | 25.3457% | 81 |
| Retained earnings to average equity (ytd only) | 3.8767% | 3,840 |
| Net charge-offs to loans | 0.0296% | 2,502 |
| Credit loss provision to net charge-offs | 855.5556% | 464 |
| Earnings coverage of net charge-offs (x) | 169.5517% | 490 |
| Efficiency ratio | 53.7015% | 4,636 |
| Assets per employee ($millions) | 4.6600% | 2,894 |
| Cash dividends to net income (ytd only)* | 84.7054% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,448 |
| Loan loss allowance to noncurrent loans | 187.3563% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 3,736 |
| Noncurrent loans to loans | 0.6569% | 2,440 |
| Net loans and leases to total assets | 36.6160% | 5,119 |
| Net loans and leases to deposits | 39.4078% | 5,220 |
| Net loans and leases to core deposits | 40.2872% | 5,235 |
| Total domestic deposits to total assets | 92.9157% | 37 |
| Equity capital to assets | 6.6057% | 5,418 |
| Core capital (leverage) ratio | 8.0855% | 5,297 |
| Tier 1 risk-based capital ratio | 17.2651% | 2,001 |
| Total risk-based capital ratio | 18.2001% | 2,078 |
| Memoranda: | ||
| Average total assets | $110,306,500 | 3,982 |
| Average earning assets | $106,136,000 | 3,912 |
| Average equity | $7,669,750 | 4,699 |
| Average total loans | $40,572,250 | 4,579 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 4,369 |
| Cost of funding earning assets | 0.3007% | 4,410 |
| Net interest margin | 3.4893% | 3,666 |
| Noninterest income to average assets | 0.5730% | 2,462 |
| Noninterest expense to average assets | 2.1267% | 4,547 |
| Loan and lease loss provision to assets | 0.1078% | 1,820 |
| Net operating income to assets | 1.6938% | 727 |
| Return on assets (ROA) | 1.6938% | 735 |
| Pretax return on assets | 1.6938% | 1,229 |
| Return on Equity (ROE) | 23.9756% | 107 |
| Retained earnings to average equity (ytd only) | 7.2715% | 1,943 |
| Net charge-offs to loans | 0.1224% | 1,198 |
| Credit loss provision to net charge-offs | 240.0000% | 1,173 |
| Earnings coverage of net charge-offs (x) | 40.1200% | 1,299 |
| Efficiency ratio | 54.1381% | 4,677 |
| Assets per employee ($millions) | 4.8157% | 2,660 |
| Cash dividends to net income (ytd only)* | 69.6713% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 36.1562% | 5,173 |
| Net loans and leases to deposits | 38.9668% | 5,272 |
| Net loans and leases to core deposits | 39.8093% | 5,286 |
| Total domestic deposits to total assets | 92.7872% | 40 |
| Equity capital to assets | 6.7957% | 5,465 |
| Core capital (leverage) ratio | 8.0607% | 5,328 |
| Tier 1 risk-based capital ratio | 17.2716% | 2,016 |
| Total risk-based capital ratio | 18.1378% | 2,084 |
| Memoranda: | ||
| Average total assets | $111,348,670 | 3,995 |
| Average earning assets | $107,069,000 | 3,929 |
| Average equity | $7,866,330 | 4,717 |
| Average total loans | $40,851,670 | 4,613 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,490 |
| Cost of funding earning assets | 0.2826% | 4,485 |
| Net interest margin | 3.4057% | 3,868 |
| Noninterest income to average assets | 0.5518% | 2,515 |
| Noninterest expense to average assets | 2.0279% | 4,795 |
| Loan and lease loss provision to assets | 0.0537% | 2,697 |
| Net operating income to assets | 1.7520% | 614 |
| Return on assets (ROA) | 1.7520% | 622 |
| Pretax return on assets | 1.7520% | 997 |
| Return on Equity (ROE) | 24.3405% | 95 |
| Retained earnings to average equity (ytd only) | 24.3405% | 49 |
| Net charge-offs to loans | -0.0292% | 4,726 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8972% | 4,894 |
| Assets per employee ($millions) | 5.1200% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,607 |
| Loan loss allowance to noncurrent loans | 209.0476% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 4,156 |
| Noncurrent loans to loans | 0.5063% | 2,999 |
| Net loans and leases to total assets | 36.4311% | 5,193 |
| Net loans and leases to deposits | 39.3287% | 5,281 |
| Net loans and leases to core deposits | 40.1656% | 5,302 |
| Total domestic deposits to total assets | 92.6323% | 56 |
| Equity capital to assets | 7.0028% | 5,511 |
| Core capital (leverage) ratio | 8.2677% | 5,282 |
| Tier 1 risk-based capital ratio | 17.3065% | 2,033 |
| Total risk-based capital ratio | 18.1239% | 2,102 |
| Memoranda: | ||
| Average total assets | $111,642,500 | 4,035 |
| Average earning assets | $107,584,500 | 3,957 |
| Average equity | $8,036,000 | 4,738 |
| Average total loans | $41,026,000 | 4,663 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 4,808 |
| Cost of funding earning assets | 0.2393% | 4,655 |
| Net interest margin | 3.2433% | 4,322 |
| Noninterest income to average assets | 0.5142% | 2,914 |
| Noninterest expense to average assets | 2.1005% | 4,764 |
| Loan and lease loss provision to assets | 0.1495% | 1,516 |
| Net operating income to assets | 1.3903% | 1,042 |
| Return on assets (ROA) | 1.4003% | 1,033 |
| Pretax return on assets | 1.4003% | 1,984 |
| Return on Equity (ROE) | 17.9813% | 304 |
| Retained earnings to average equity (ytd only) | 0.7258% | 4,751 |
| Net charge-offs to loans | 0.7075% | 300 |
| Credit loss provision to net charge-offs | 59.6364% | 3,220 |
| Earnings coverage of net charge-offs (x) | 6.1418% | 3,222 |
| Efficiency ratio | 57.7010% | 4,563 |
| Assets per employee ($millions) | 5.0293% | 2,441 |
| Cash dividends to net income (ytd only)* | 95.9635% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,697 |
| Loan loss allowance to noncurrent loans | 188.7892% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 4,132 |
| Noncurrent loans to loans | 0.5496% | 2,850 |
| Net loans and leases to total assets | 36.2926% | 5,277 |
| Net loans and leases to deposits | 39.3247% | 5,357 |
| Net loans and leases to core deposits | 40.1958% | 5,383 |
| Total domestic deposits to total assets | 92.2898% | 61 |
| Equity capital to assets | 7.3966% | 5,557 |
| Core capital (leverage) ratio | 7.9781% | 5,451 |
| Tier 1 risk-based capital ratio | 16.7960% | 2,160 |
| Total risk-based capital ratio | 17.5989% | 2,252 |
| Memoranda: | ||
| Average total assets | $109,689,400 | 4,065 |
| Average earning assets | $105,725,400 | 3,990 |
| Average equity | $8,542,200 | 4,697 |
| Average total loans | $38,871,600 | 4,762 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 4,903 |
| Cost of funding earning assets | 0.2313% | 4,733 |
| Net interest margin | 3.2111% | 4,427 |
| Noninterest income to average assets | 0.5080% | 2,985 |
| Noninterest expense to average assets | 2.0746% | 4,793 |
| Loan and lease loss provision to assets | 0.0024% | 4,060 |
| Net operating income to assets | 1.5264% | 847 |
| Return on assets (ROA) | 1.5410% | 839 |
| Pretax return on assets | 1.5410% | 1,613 |
| Return on Equity (ROE) | 19.5397% | 243 |
| Retained earnings to average equity (ytd only) | 0.6642% | 5,072 |
| Net charge-offs to loans | 0.3572% | 592 |
| Credit loss provision to net charge-offs | 1.9417% | 3,262 |
| Earnings coverage of net charge-offs (x) | 12.1844% | 2,443 |
| Efficiency ratio | 57.5727% | 4,558 |
| Assets per employee ($millions) | 4.9345% | 2,529 |
| Cash dividends to net income (ytd only)* | 96.6009% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,348 |
| Loan loss allowance to noncurrent loans | 105.6373% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 3,523 |
| Noncurrent loans to loans | 1.0644% | 1,815 |
| Net loans and leases to total assets | 34.9113% | 5,388 |
| Net loans and leases to deposits | 38.1078% | 5,458 |
| Net loans and leases to core deposits | 39.1389% | 5,478 |
| Total domestic deposits to total assets | 91.6119% | 90 |
| Equity capital to assets | 7.9469% | 5,531 |
| Core capital (leverage) ratio | 8.0053% | 5,512 |
| Tier 1 risk-based capital ratio | 17.3858% | 2,041 |
| Total risk-based capital ratio | 18.2385% | 2,113 |
| Memoranda: | ||
| Average total assets | $109,450,500 | 4,112 |
| Average earning assets | $105,506,000 | 4,037 |
| Average equity | $8,631,750 | 4,724 |
| Average total loans | $38,445,250 | 4,829 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3577% | 5,019 |
| Cost of funding earning assets | 0.2158% | 4,834 |
| Net interest margin | 3.1419% | 4,568 |
| Noninterest income to average assets | 0.5139% | 2,938 |
| Noninterest expense to average assets | 2.0811% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4579% | 938 |
| Return on assets (ROA) | 1.4579% | 963 |
| Pretax return on assets | 1.4579% | 1,801 |
| Return on Equity (ROE) | 18.5328% | 292 |
| Retained earnings to average equity (ytd only) | 3.6371% | 3,545 |
| Net charge-offs to loans | 0.0728% | 1,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 57.1429% | 982 |
| Efficiency ratio | 58.8054% | 4,492 |
| Assets per employee ($millions) | 4.9865% | 2,402 |
| Cash dividends to net income (ytd only)* | 80.3750% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,305 |
| Loan loss allowance to noncurrent loans | 102.3715% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 3,268 |
| Noncurrent loans to loans | 1.2918% | 1,487 |
| Net loans and leases to total assets | 35.2333% | 5,409 |
| Net loans and leases to deposits | 38.4969% | 5,493 |
| Net loans and leases to core deposits | 39.5271% | 5,512 |
| Total domestic deposits to total assets | 91.5226% | 127 |
| Equity capital to assets | 8.0900% | 5,496 |
| Core capital (leverage) ratio | 7.9969% | 5,529 |
| Tier 1 risk-based capital ratio | 17.6901% | 1,951 |
| Total risk-based capital ratio | 18.7194% | 1,975 |
| Memoranda: | ||
| Average total assets | $109,748,000 | 4,134 |
| Average earning assets | $105,668,670 | 4,056 |
| Average equity | $8,633,330 | 4,747 |
| Average total loans | $38,483,670 | 4,859 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3027% | 5,095 |
| Cost of funding earning assets | 0.1778% | 5,172 |
| Net interest margin | 3.1249% | 4,582 |
| Noninterest income to average assets | 0.5065% | 2,935 |
| Noninterest expense to average assets | 2.0260% | 4,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4904% | 825 |
| Return on assets (ROA) | 1.4904% | 855 |
| Pretax return on assets | 1.4904% | 1,567 |
| Return on Equity (ROE) | 19.2188% | 271 |
| Retained earnings to average equity (ytd only) | 19.2188% | 119 |
| Net charge-offs to loans | 0.1049% | 1,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 40.9000% | 1,026 |
| Efficiency ratio | 57.6166% | 4,761 |
| Assets per employee ($millions) | 5.0548% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 2,208 |
| Loan loss allowance to noncurrent loans | 115.7428% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 3,569 |
| Noncurrent loans to loans | 1.1842% | 1,708 |
| Net loans and leases to total assets | 33.7773% | 5,475 |
| Net loans and leases to deposits | 36.7945% | 5,559 |
| Net loans and leases to core deposits | 37.7614% | 5,581 |
| Total domestic deposits to total assets | 91.7998% | 128 |
| Equity capital to assets | 7.8639% | 5,581 |
| Core capital (leverage) ratio | 8.2696% | 5,400 |
| Tier 1 risk-based capital ratio | 19.3004% | 1,536 |
| Total risk-based capital ratio | 20.4010% | 1,540 |
| Memoranda: | ||
| Average total assets | $109,770,500 | 4,179 |
| Average earning assets | $105,732,000 | 4,089 |
| Average equity | $8,512,500 | 4,809 |
| Average total loans | $38,140,500 | 4,914 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 5,291 |
| Cost of funding earning assets | 0.1855% | 5,154 |
| Net interest margin | 3.0219% | 4,913 |
| Noninterest income to average assets | 0.4845% | 3,327 |
| Noninterest expense to average assets | 2.0290% | 5,137 |
| Loan and lease loss provision to assets | 0.0136% | 4,110 |
| Net operating income to assets | 1.3290% | 1,147 |
| Return on assets (ROA) | 1.3381% | 1,181 |
| Pretax return on assets | 1.3381% | 2,157 |
| Return on Equity (ROE) | 15.9204% | 515 |
| Retained earnings to average equity (ytd only) | 0.6489% | 5,067 |
| Net charge-offs to loans | 0.0368% | 3,289 |
| Credit loss provision to net charge-offs | 107.1429% | 2,436 |
| Earnings coverage of net charge-offs (x) | 105.5000% | 574 |
| Efficiency ratio | 60.1779% | 4,554 |
| Assets per employee ($millions) | 4.9244% | 2,475 |
| Cash dividends to net income (ytd only)* | 95.9239% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 2,111 |
| Loan loss allowance to noncurrent loans | 113.6752% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 3,538 |
| Noncurrent loans to loans | 1.2252% | 1,677 |
| Net loans and leases to total assets | 34.7668% | 5,530 |
| Net loans and leases to deposits | 37.7609% | 5,606 |
| Net loans and leases to core deposits | 38.7755% | 5,624 |
| Total domestic deposits to total assets | 92.0710% | 93 |
| Equity capital to assets | 7.6429% | 5,683 |
| Core capital (leverage) ratio | 7.9614% | 5,637 |
| Tier 1 risk-based capital ratio | 18.4202% | 1,747 |
| Total risk-based capital ratio | 19.5408% | 1,742 |
| Memoranda: | ||
| Average total assets | $110,006,800 | 4,160 |
| Average earning assets | $105,098,200 | 4,098 |
| Average equity | $9,246,000 | 4,703 |
| Average total loans | $38,040,200 | 4,946 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1914% | 5,371 |
| Cost of funding earning assets | 0.1861% | 5,212 |
| Net interest margin | 3.0053% | 5,004 |
| Noninterest income to average assets | 0.4552% | 3,522 |
| Noninterest expense to average assets | 2.0671% | 5,069 |
| Loan and lease loss provision to assets | 0.0181% | 3,884 |
| Net operating income to assets | 1.2364% | 1,498 |
| Return on assets (ROA) | 1.2485% | 1,569 |
| Pretax return on assets | 1.2485% | 2,625 |
| Return on Equity (ROE) | 14.5310% | 737 |
| Retained earnings to average equity (ytd only) | 2.3750% | 4,491 |
| Net charge-offs to loans | 0.0456% | 2,739 |
| Credit loss provision to net charge-offs | 115.3846% | 2,152 |
| Earnings coverage of net charge-offs (x) | 79.9365% | 786 |
| Efficiency ratio | 62.2319% | 4,184 |
| Assets per employee ($millions) | 4.7122% | 2,724 |
| Cash dividends to net income (ytd only)* | 83.6555% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 2,096 |
| Loan loss allowance to noncurrent loans | 117.4009% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 3,750 |
| Noncurrent loans to loans | 1.2112% | 1,852 |
| Net loans and leases to total assets | 34.0939% | 5,619 |
| Net loans and leases to deposits | 37.5183% | 5,690 |
| Net loans and leases to core deposits | 38.5388% | 5,711 |
| Total domestic deposits to total assets | 90.8729% | 218 |
| Equity capital to assets | 8.7166% | 5,384 |
| Core capital (leverage) ratio | 8.0305% | 5,670 |
| Tier 1 risk-based capital ratio | 18.3115% | 1,829 |
| Total risk-based capital ratio | 19.4139% | 1,839 |
| Memoranda: | ||
| Average total assets | $110,424,500 | 4,185 |
| Average earning assets | $105,321,500 | 4,115 |
| Average equity | $9,487,500 | 4,704 |
| Average total loans | $38,001,000 | 4,989 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1797% | 5,458 |
| Cost of funding earning assets | 0.1855% | 5,279 |
| Net interest margin | 2.9942% | 5,096 |
| Noninterest income to average assets | 0.3996% | 3,872 |
| Noninterest expense to average assets | 2.0827% | 5,098 |
| Loan and lease loss provision to assets | 0.0270% | 3,586 |
| Net operating income to assets | 1.1377% | 1,816 |
| Return on assets (ROA) | 1.1557% | 1,863 |
| Pretax return on assets | 1.1557% | 2,965 |
| Return on Equity (ROE) | 13.5144% | 925 |
| Retained earnings to average equity (ytd only) | 5.9362% | 2,153 |
| Net charge-offs to loans | 0.0681% | 2,213 |
| Credit loss provision to net charge-offs | 115.3846% | 1,914 |
| Earnings coverage of net charge-offs (x) | 49.7692% | 1,000 |
| Efficiency ratio | 64.1353% | 3,995 |
| Assets per employee ($millions) | 4.8230% | 2,528 |
| Cash dividends to net income (ytd only)* | 56.0748% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 2,584 |
| Loan loss allowance to noncurrent loans | 26,650.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,638 |
| Noncurrent loans to loans | 0.0050% | 5,495 |
| Net loans and leases to total assets | 35.4479% | 5,633 |
| Net loans and leases to deposits | 38.9879% | 5,721 |
| Net loans and leases to core deposits | 40.0216% | 5,745 |
| Total domestic deposits to total assets | 90.9203% | 205 |
| Equity capital to assets | 8.7227% | 5,466 |
| Core capital (leverage) ratio | 7.9559% | 5,750 |
| Tier 1 risk-based capital ratio | 17.3611% | 2,113 |
| Total risk-based capital ratio | 18.3930% | 2,127 |
| Memoranda: | ||
| Average total assets | $111,106,000 | 4,207 |
| Average earning assets | $105,671,330 | 4,139 |
| Average equity | $9,501,000 | 4,741 |
| Average total loans | $38,173,330 | 5,032 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2006% | 5,481 |
| Cost of funding earning assets | 0.1865% | 5,313 |
| Net interest margin | 3.0141% | 5,084 |
| Noninterest income to average assets | 0.4676% | 3,353 |
| Noninterest expense to average assets | 2.0541% | 5,214 |
| Loan and lease loss provision to assets | -0.0072% | 5,882 |
| Net operating income to assets | 1.2698% | 1,338 |
| Return on assets (ROA) | 1.2698% | 1,434 |
| Pretax return on assets | 1.2698% | 2,420 |
| Return on Equity (ROE) | 14.9997% | 669 |
| Retained earnings to average equity (ytd only) | 14.9997% | 247 |
| Net charge-offs to loans | 0.0536% | 1,988 |
| Credit loss provision to net charge-offs | -40.0000% | 4,134 |
| Earnings coverage of net charge-offs (x) | 70.2000% | 696 |
| Efficiency ratio | 61.9306% | 4,456 |
| Assets per employee ($millions) | 5.0800% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 2,301 |
| Loan loss allowance to noncurrent loans | 563.4409% | 916 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 1,760 |
| Noncurrent loans to loans | 0.2535% | 4,523 |
| Net loans and leases to total assets | 32.3559% | 5,774 |
| Net loans and leases to deposits | 35.5391% | 5,838 |
| Net loans and leases to core deposits | 36.4714% | 5,847 |
| Total domestic deposits to total assets | 91.0433% | 261 |
| Equity capital to assets | 8.6462% | 5,462 |
| Core capital (leverage) ratio | 7.9640% | 5,790 |
| Tier 1 risk-based capital ratio | 18.4592% | 1,864 |
| Total risk-based capital ratio | 19.5294% | 1,872 |
| Memoranda: | ||
| Average total assets | $111,194,500 | 4,243 |
| Average earning assets | $105,104,500 | 4,185 |
| Average equity | $9,413,500 | 4,775 |
| Average total loans | $37,332,500 | 5,101 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2678% | 5,398 |
| Cost of funding earning assets | 0.1922% | 5,349 |
| Net interest margin | 3.0756% | 4,959 |
| Noninterest income to average assets | 0.7730% | 1,888 |
| Noninterest expense to average assets | 2.1688% | 5,117 |
| Loan and lease loss provision to assets | 0.0186% | 4,034 |
| Net operating income to assets | 1.5108% | 847 |
| Return on assets (ROA) | 1.5489% | 810 |
| Pretax return on assets | 1.5489% | 1,412 |
| Return on Equity (ROE) | 18.6114% | 342 |
| Retained earnings to average equity (ytd only) | 8.2073% | 851 |
| Net charge-offs to loans | -0.0577% | 5,596 |
| Credit loss provision to net charge-offs | -90.9091% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6449% | 5,073 |
| Assets per employee ($millions) | 5.2680% | 2,043 |
| Cash dividends to net income (ytd only)* | 55.9017% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 2,430 |
| Loan loss allowance to noncurrent loans | 639.7590% | 872 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 1,734 |
| Noncurrent loans to loans | 0.2185% | 4,638 |
| Net loans and leases to total assets | 33.8510% | 5,781 |
| Net loans and leases to deposits | 37.0119% | 5,863 |
| Net loans and leases to core deposits | 37.9873% | 5,881 |
| Total domestic deposits to total assets | 91.4597% | 184 |
| Equity capital to assets | 8.2835% | 5,714 |
| Core capital (leverage) ratio | 7.9611% | 5,857 |
| Tier 1 risk-based capital ratio | 17.2716% | 2,192 |
| Total risk-based capital ratio | 18.3275% | 2,211 |
| Memoranda: | ||
| Average total assets | $107,756,000 | 4,299 |
| Average earning assets | $102,484,000 | 4,226 |
| Average equity | $8,967,600 | 4,859 |
| Average total loans | $38,111,400 | 5,086 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2667% | 5,472 |
| Cost of funding earning assets | 0.1949% | 5,423 |
| Net interest margin | 3.0719% | 5,030 |
| Noninterest income to average assets | 0.5605% | 2,979 |
| Noninterest expense to average assets | 2.0777% | 5,325 |
| Loan and lease loss provision to assets | 0.0237% | 3,804 |
| Net operating income to assets | 1.3851% | 1,142 |
| Return on assets (ROA) | 1.4088% | 1,132 |
| Pretax return on assets | 1.4088% | 1,978 |
| Return on Equity (ROE) | 16.9082% | 476 |
| Retained earnings to average equity (ytd only) | 9.4932% | 741 |
| Net charge-offs to loans | -0.0769% | 5,691 |
| Credit loss provision to net charge-offs | -86.3636% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5927% | 4,933 |
| Assets per employee ($millions) | 5.0402% | 2,258 |
| Cash dividends to net income (ytd only)* | 43.8553% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 2,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2159% | 1,944 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 36.1305% | 5,777 |
| Net loans and leases to deposits | 39.6648% | 5,878 |
| Net loans and leases to core deposits | 40.7619% | 5,897 |
| Total domestic deposits to total assets | 91.0897% | 226 |
| Equity capital to assets | 8.6363% | 5,616 |
| Core capital (leverage) ratio | 7.8796% | 5,951 |
| Tier 1 risk-based capital ratio | 17.0088% | 2,376 |
| Total risk-based capital ratio | 18.0591% | 2,396 |
| Memoranda: | ||
| Average total assets | $107,037,750 | 4,365 |
| Average earning assets | $101,954,750 | 4,283 |
| Average equity | $8,918,500 | 4,926 |
| Average total loans | $38,144,250 | 5,138 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2425% | 5,550 |
| Cost of funding earning assets | 0.1956% | 5,478 |
| Net interest margin | 3.0470% | 5,099 |
| Noninterest income to average assets | 0.5566% | 2,999 |
| Noninterest expense to average assets | 2.0291% | 5,472 |
| Loan and lease loss provision to assets | 0.0354% | 3,418 |
| Net operating income to assets | 1.3925% | 1,106 |
| Return on assets (ROA) | 1.3925% | 1,142 |
| Pretax return on assets | 1.3925% | 2,009 |
| Return on Equity (ROE) | 16.9148% | 499 |
| Retained earnings to average equity (ytd only) | 11.3519% | 459 |
| Net charge-offs to loans | -0.1318% | 5,883 |
| Credit loss provision to net charge-offs | -76.0000% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6968% | 5,147 |
| Assets per employee ($millions) | 4.8697% | 2,434 |
| Cash dividends to net income (ytd only)* | 32.8877% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 2,660 |
| Loan loss allowance to noncurrent loans | 750.7042% | 716 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 2,088 |
| Noncurrent loans to loans | 0.1892% | 5,022 |
| Net loans and leases to total assets | 34.5231% | 5,883 |
| Net loans and leases to deposits | 37.7547% | 5,985 |
| Net loans and leases to core deposits | 38.7808% | 5,995 |
| Total domestic deposits to total assets | 91.4406% | 190 |
| Equity capital to assets | 8.3223% | 5,818 |
| Core capital (leverage) ratio | 7.8177% | 6,012 |
| Tier 1 risk-based capital ratio | 17.2059% | 2,327 |
| Total risk-based capital ratio | 18.2910% | 2,331 |
| Memoranda: | ||
| Average total assets | $107,435,670 | 4,394 |
| Average earning assets | $102,265,670 | 4,313 |
| Average equity | $8,844,330 | 4,974 |
| Average total loans | $37,935,000 | 5,189 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2578% | 5,540 |
| Cost of funding earning assets | 0.1953% | 5,553 |
| Net interest margin | 3.0625% | 5,054 |
| Noninterest income to average assets | 0.5391% | 3,028 |
| Noninterest expense to average assets | 2.0858% | 5,418 |
| Loan and lease loss provision to assets | 0.0706% | 2,525 |
| Net operating income to assets | 1.2976% | 1,286 |
| Return on assets (ROA) | 1.2976% | 1,372 |
| Pretax return on assets | 1.2976% | 2,301 |
| Return on Equity (ROE) | 15.8483% | 587 |
| Retained earnings to average equity (ytd only) | 15.8483% | 227 |
| Net charge-offs to loans | -0.2622% | 6,114 |
| Credit loss provision to net charge-offs | -76.0000% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3875% | 5,040 |
| Assets per employee ($millions) | 4.9283% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 2,608 |
| Loan loss allowance to noncurrent loans | 750.7042% | 706 |
| Noncurrent assets plus other real estate owned to assets | 1.1981% | 2,240 |
| Noncurrent loans to loans | 0.1947% | 5,082 |
| Net loans and leases to total assets | 33.1406% | 5,959 |
| Net loans and leases to deposits | 36.2276% | 6,050 |
| Net loans and leases to core deposits | 37.1982% | 6,071 |
| Total domestic deposits to total assets | 91.4787% | 233 |
| Equity capital to assets | 8.3202% | 5,856 |
| Core capital (leverage) ratio | 7.7304% | 6,054 |
| Tier 1 risk-based capital ratio | 17.4247% | 2,327 |
| Total risk-based capital ratio | 18.5440% | 2,338 |
| Memoranda: | ||
| Average total assets | $107,586,500 | 4,422 |
| Average earning assets | $102,400,000 | 4,336 |
| Average equity | $8,808,500 | 5,031 |
| Average total loans | $38,143,000 | 5,205 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6422% | 4,959 |
| Cost of funding earning assets | 0.2225% | 5,576 |
| Net interest margin | 3.4198% | 4,110 |
| Noninterest income to average assets | 0.6529% | 2,535 |
| Noninterest expense to average assets | 2.2063% | 5,342 |
| Loan and lease loss provision to assets | 0.8696% | 139 |
| Net operating income to assets | 0.8484% | 3,122 |
| Return on assets (ROA) | 0.8869% | 3,020 |
| Pretax return on assets | 0.8869% | 3,941 |
| Return on Equity (ROE) | 11.5053% | 1,554 |
| Retained earnings to average equity (ytd only) | 0.7870% | 5,412 |
| Net charge-offs to loans | 2.2096% | 79 |
| Credit loss provision to net charge-offs | 96.5775% | 2,505 |
| Earnings coverage of net charge-offs (x) | 1.9080% | 4,311 |
| Efficiency ratio | 56.2209% | 5,647 |
| Assets per employee ($millions) | 4.8523% | 2,531 |
| Cash dividends to net income (ytd only)* | 93.1596% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 3,842 |
| Loan loss allowance to noncurrent loans | 740.9091% | 777 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 2,353 |
| Noncurrent loans to loans | 0.1657% | 5,236 |
| Net loans and leases to total assets | 36.8450% | 5,908 |
| Net loans and leases to deposits | 40.1367% | 6,034 |
| Net loans and leases to core deposits | 41.2242% | 6,068 |
| Total domestic deposits to total assets | 91.7986% | 175 |
| Equity capital to assets | 8.0525% | 6,041 |
| Core capital (leverage) ratio | 7.5781% | 6,180 |
| Tier 1 risk-based capital ratio | 16.7101% | 2,637 |
| Total risk-based capital ratio | 17.7382% | 2,671 |
| Memoranda: | ||
| Average total assets | $103,840,000 | 4,504 |
| Average earning assets | $99,334,400 | 4,410 |
| Average equity | $8,005,000 | 5,201 |
| Average total loans | $42,314,400 | 5,092 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,936 |
| Cost of funding earning assets | 0.2280% | 5,610 |
| Net interest margin | 3.4435% | 4,047 |
| Noninterest income to average assets | 0.6633% | 2,507 |
| Noninterest expense to average assets | 2.2512% | 5,224 |
| Loan and lease loss provision to assets | 1.1262% | 94 |
| Net operating income to assets | 0.5857% | 4,504 |
| Return on assets (ROA) | 0.5857% | 4,591 |
| Pretax return on assets | 0.5857% | 5,066 |
| Return on Equity (ROE) | 7.6869% | 3,371 |
| Retained earnings to average equity (ytd only) | -6.8725% | 6,318 |
| Net charge-offs to loans | 2.6673% | 54 |
| Credit loss provision to net charge-offs | 101.3970% | 2,180 |
| Earnings coverage of net charge-offs (x) | 1.5413% | 4,134 |
| Efficiency ratio | 56.8026% | 5,577 |
| Assets per employee ($millions) | 4.5328% | 2,908 |
| Cash dividends to net income (ytd only)* | 189.4053% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 3,567 |
| Loan loss allowance to noncurrent loans | 105.7540% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 4,441 |
| Noncurrent loans to loans | 1.2447% | 2,560 |
| Net loans and leases to total assets | 38.3295% | 5,924 |
| Net loans and leases to deposits | 41.6280% | 6,065 |
| Net loans and leases to core deposits | 42.7782% | 6,096 |
| Total domestic deposits to total assets | 92.0761% | 147 |
| Equity capital to assets | 7.6649% | 6,264 |
| Core capital (leverage) ratio | 7.2584% | 6,338 |
| Tier 1 risk-based capital ratio | 15.6730% | 3,230 |
| Total risk-based capital ratio | 16.7900% | 3,233 |
| Memoranda: | ||
| Average total assets | $103,112,500 | 4,568 |
| Average earning assets | $98,811,500 | 4,469 |
| Average equity | $7,857,250 | 5,277 |
| Average total loans | $42,937,750 | 5,126 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 4,725 |
| Cost of funding earning assets | 0.2358% | 5,623 |
| Net interest margin | 3.5059% | 3,766 |
| Noninterest income to average assets | 0.6619% | 2,477 |
| Noninterest expense to average assets | 2.2213% | 5,357 |
| Loan and lease loss provision to assets | 1.6548% | 49 |
| Net operating income to assets | 0.1441% | 5,960 |
| Return on assets (ROA) | 0.1441% | 5,995 |
| Pretax return on assets | 0.1441% | 6,034 |
| Return on Equity (ROE) | 1.8944% | 5,865 |
| Retained earnings to average equity (ytd only) | -20.0700% | 6,533 |
| Net charge-offs to loans | 3.9220% | 25 |
| Credit loss provision to net charge-offs | 99.0676% | 2,038 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 3,893 |
| Efficiency ratio | 55.2542% | 5,813 |
| Assets per employee ($millions) | 4.3246% | 3,222 |
| Cash dividends to net income (ytd only)* | 1,159.4595% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 4,182 |
| Loan loss allowance to noncurrent loans | 369.0647% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 5,752 |
| Noncurrent loans to loans | 0.3380% | 5,001 |
| Net loans and leases to total assets | 39.1248% | 5,886 |
| Net loans and leases to deposits | 42.3013% | 6,059 |
| Net loans and leases to core deposits | 43.4687% | 6,090 |
| Total domestic deposits to total assets | 92.4907% | 118 |
| Equity capital to assets | 7.2636% | 6,401 |
| Core capital (leverage) ratio | 6.8158% | 6,457 |
| Tier 1 risk-based capital ratio | 14.9587% | 3,664 |
| Total risk-based capital ratio | 16.0395% | 3,704 |
| Memoranda: | ||
| Average total assets | $102,732,000 | 4,614 |
| Average earning assets | $98,404,670 | 4,512 |
| Average equity | $7,812,670 | 5,308 |
| Average total loans | $43,752,670 | 5,135 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 4,680 |
| Cost of funding earning assets | 0.2447% | 5,638 |
| Net interest margin | 3.5028% | 3,677 |
| Noninterest income to average assets | 0.6419% | 2,507 |
| Noninterest expense to average assets | 2.2935% | 5,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7103% | 564 |
| Return on assets (ROA) | 1.7103% | 582 |
| Pretax return on assets | 1.7103% | 958 |
| Return on Equity (ROE) | 21.9888% | 197 |
| Retained earnings to average equity (ytd only) | 21.9888% | 85 |
| Net charge-offs to loans | 0.2041% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,392 |
| Efficiency ratio | 57.2825% | 5,724 |
| Assets per employee ($millions) | 4.7425% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 4,917 |
| Loan loss allowance to noncurrent loans | 2,263.6364% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 6,242 |
| Noncurrent loans to loans | 0.0504% | 5,997 |
| Net loans and leases to total assets | 41.3629% | 5,720 |
| Net loans and leases to deposits | 45.0697% | 5,914 |
| Net loans and leases to core deposits | 46.3142% | 5,972 |
| Total domestic deposits to total assets | 91.7755% | 306 |
| Equity capital to assets | 8.0232% | 6,041 |
| Core capital (leverage) ratio | 8.0615% | 6,077 |
| Tier 1 risk-based capital ratio | 17.0512% | 2,668 |
| Total risk-based capital ratio | 18.0715% | 2,729 |
| Memoranda: | ||
| Average total assets | $102,202,500 | 4,681 |
| Average earning assets | $98,094,000 | 4,562 |
| Average equity | $7,949,500 | 5,316 |
| Average total loans | $45,068,500 | 5,118 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 5,109 |
| Cost of funding earning assets | 0.2477% | 5,978 |
| Net interest margin | 3.4602% | 4,055 |
| Noninterest income to average assets | 0.6502% | 2,806 |
| Noninterest expense to average assets | 2.1953% | 5,640 |
| Loan and lease loss provision to assets | 0.0400% | 4,320 |
| Net operating income to assets | 1.7381% | 539 |
| Return on assets (ROA) | 1.7381% | 556 |
| Pretax return on assets | 1.7381% | 878 |
| Return on Equity (ROE) | 21.3727% | 217 |
| Retained earnings to average equity (ytd only) | 0.3716% | 5,682 |
| Net charge-offs to loans | 0.0266% | 4,888 |
| Credit loss provision to net charge-offs | 341.6667% | 667 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 305 |
| Efficiency ratio | 55.2502% | 6,025 |
| Assets per employee ($millions) | 4.5486% | 2,820 |
| Cash dividends to net income (ytd only)* | 98.2614% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,047 |
| Loan loss allowance to noncurrent loans | 947.2727% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 6,201 |
| Noncurrent loans to loans | 0.1183% | 5,847 |
| Net loans and leases to total assets | 45.9298% | 5,491 |
| Net loans and leases to deposits | 49.7457% | 5,790 |
| Net loans and leases to core deposits | 50.8857% | 5,880 |
| Total domestic deposits to total assets | 92.3294% | 226 |
| Equity capital to assets | 7.5227% | 6,273 |
| Core capital (leverage) ratio | 7.8609% | 6,215 |
| Tier 1 risk-based capital ratio | 14.9087% | 3,723 |
| Total risk-based capital ratio | 15.8939% | 3,818 |
| Memoranda: | ||
| Average total assets | $102,582,000 | 4,679 |
| Average earning assets | $98,519,800 | 4,552 |
| Average equity | $8,342,400 | 5,259 |
| Average total loans | $45,077,200 | 5,143 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6330% | 5,348 |
| Cost of funding earning assets | 0.2489% | 6,093 |
| Net interest margin | 3.3841% | 4,342 |
| Noninterest income to average assets | 0.6485% | 2,890 |
| Noninterest expense to average assets | 2.2155% | 5,568 |
| Loan and lease loss provision to assets | 0.0336% | 4,350 |
| Net operating income to assets | 1.6484% | 686 |
| Return on assets (ROA) | 1.6484% | 723 |
| Pretax return on assets | 1.6484% | 1,223 |
| Return on Equity (ROE) | 19.9074% | 302 |
| Retained earnings to average equity (ytd only) | 0.4525% | 5,786 |
| Net charge-offs to loans | 0.0387% | 4,375 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 100.1708% | 499 |
| Efficiency ratio | 56.8445% | 5,817 |
| Assets per employee ($millions) | 4.5117% | 2,864 |
| Cash dividends to net income (ytd only)* | 97.7276% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 5,537 |
| Loan loss allowance to noncurrent loans | 952.8302% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 6,294 |
| Noncurrent loans to loans | 0.1099% | 6,001 |
| Net loans and leases to total assets | 48.0878% | 5,336 |
| Net loans and leases to deposits | 52.1970% | 5,694 |
| Net loans and leases to core deposits | 53.4035% | 5,806 |
| Total domestic deposits to total assets | 92.1276% | 232 |
| Equity capital to assets | 7.5782% | 6,367 |
| Core capital (leverage) ratio | 7.8130% | 6,325 |
| Tier 1 risk-based capital ratio | 14.4177% | 4,132 |
| Total risk-based capital ratio | 15.3414% | 4,312 |
| Memoranda: | ||
| Average total assets | $103,210,000 | 4,712 |
| Average earning assets | $99,088,500 | 4,585 |
| Average equity | $8,546,000 | 5,258 |
| Average total loans | $44,725,750 | 5,211 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 5,672 |
| Cost of funding earning assets | 0.2490% | 6,176 |
| Net interest margin | 3.2614% | 4,725 |
| Noninterest income to average assets | 0.6525% | 2,901 |
| Noninterest expense to average assets | 2.1506% | 5,744 |
| Loan and lease loss provision to assets | 0.0191% | 4,510 |
| Net operating income to assets | 1.6149% | 731 |
| Return on assets (ROA) | 1.6149% | 802 |
| Pretax return on assets | 1.6149% | 1,322 |
| Return on Equity (ROE) | 18.9933% | 384 |
| Retained earnings to average equity (ytd only) | 1.6203% | 5,214 |
| Net charge-offs to loans | 0.1469% | 2,931 |
| Credit loss provision to net charge-offs | 31.2500% | 3,566 |
| Earnings coverage of net charge-offs (x) | 26.6875% | 1,236 |
| Efficiency ratio | 56.8251% | 5,871 |
| Assets per employee ($millions) | 4.7548% | 2,443 |
| Cash dividends to net income (ytd only)* | 91.4692% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 5,929 |
| Loan loss allowance to noncurrent loans | 618.4211% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 6,283 |
| Noncurrent loans to loans | 0.1569% | 5,931 |
| Net loans and leases to total assets | 45.8544% | 5,550 |
| Net loans and leases to deposits | 51.4867% | 5,730 |
| Net loans and leases to core deposits | 52.6526% | 5,839 |
| Total domestic deposits to total assets | 89.0608% | 1,595 |
| Equity capital to assets | 7.8371% | 6,301 |
| Core capital (leverage) ratio | 7.7387% | 6,346 |
| Tier 1 risk-based capital ratio | 14.3338% | 4,202 |
| Total risk-based capital ratio | 15.1839% | 4,427 |
| Memoranda: | ||
| Average total assets | $104,527,330 | 4,713 |
| Average earning assets | $100,385,000 | 4,575 |
| Average equity | $8,887,330 | 5,201 |
| Average total loans | $43,555,670 | 5,283 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4104% | 5,919 |
| Cost of funding earning assets | 0.2516% | 6,280 |
| Net interest margin | 3.1588% | 5,063 |
| Noninterest income to average assets | 0.6431% | 2,919 |
| Noninterest expense to average assets | 2.2663% | 5,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4049% | 1,013 |
| Return on assets (ROA) | 1.4049% | 1,102 |
| Pretax return on assets | 1.4049% | 1,834 |
| Return on Equity (ROE) | 15.9012% | 623 |
| Retained earnings to average equity (ytd only) | 15.9012% | 287 |
| Net charge-offs to loans | 0.2335% | 2,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.2917% | 1,409 |
| Efficiency ratio | 61.7310% | 5,340 |
| Assets per employee ($millions) | 4.7250% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,642 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 6,493 |
| Noncurrent loans to loans | 0.0909% | 6,205 |
| Net loans and leases to total assets | 40.8306% | 5,931 |
| Net loans and leases to deposits | 44.9622% | 6,125 |
| Net loans and leases to core deposits | 45.9648% | 6,212 |
| Total domestic deposits to total assets | 90.8109% | 606 |
| Equity capital to assets | 8.9977% | 5,486 |
| Core capital (leverage) ratio | 7.9603% | 6,185 |
| Tier 1 risk-based capital ratio | 16.2934% | 3,109 |
| Total risk-based capital ratio | 17.2210% | 3,243 |
| Memoranda: | ||
| Average total assets | $104,488,500 | 4,762 |
| Average earning assets | $100,165,500 | 4,621 |
| Average equity | $9,232,000 | 5,174 |
| Average total loans | $41,115,500 | 5,411 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6405% | 6,147 |
| Cost of funding earning assets | 0.3247% | 6,336 |
| Net interest margin | 3.3158% | 5,198 |
| Noninterest income to average assets | 0.6463% | 3,011 |
| Noninterest expense to average assets | 2.1687% | 5,989 |
| Loan and lease loss provision to assets | 0.0028% | 5,886 |
| Net operating income to assets | 1.6543% | 677 |
| Return on assets (ROA) | 1.6553% | 755 |
| Pretax return on assets | 1.6553% | 1,249 |
| Return on Equity (ROE) | 19.1859% | 346 |
| Retained earnings to average equity (ytd only) | 0.2750% | 5,718 |
| Net charge-offs to loans | 0.0131% | 5,735 |
| Credit loss provision to net charge-offs | 60.0000% | 4,443 |
| Earnings coverage of net charge-offs (x) | 349.2000% | 115 |
| Efficiency ratio | 56.6857% | 5,983 |
| Assets per employee ($millions) | 4.5664% | 2,850 |
| Cash dividends to net income (ytd only)* | 98.5665% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 4,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 36.9692% | 6,376 |
| Net loans and leases to deposits | 40.5404% | 6,525 |
| Net loans and leases to core deposits | 41.4298% | 6,565 |
| Total domestic deposits to total assets | 91.1909% | 433 |
| Equity capital to assets | 8.6748% | 5,873 |
| Core capital (leverage) ratio | 7.6486% | 6,431 |
| Tier 1 risk-based capital ratio | 16.7839% | 2,755 |
| Total risk-based capital ratio | 17.8354% | 2,816 |
| Memoranda: | ||
| Average total assets | $105,361,000 | 4,695 |
| Average earning assets | $101,031,000 | 4,570 |
| Average equity | $9,090,000 | 5,200 |
| Average total loans | $38,062,200 | 5,586 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6887% | 6,241 |
| Cost of funding earning assets | 0.3438% | 6,411 |
| Net interest margin | 3.3448% | 5,229 |
| Noninterest income to average assets | 0.6525% | 2,984 |
| Noninterest expense to average assets | 2.2330% | 5,872 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6299% | 795 |
| Return on assets (ROA) | 1.6312% | 872 |
| Pretax return on assets | 1.6312% | 1,474 |
| Return on Equity (ROE) | 18.9324% | 400 |
| Retained earnings to average equity (ytd only) | -0.2055% | 6,117 |
| Net charge-offs to loans | 0.0035% | 5,718 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1,292.1955% | 27 |
| Efficiency ratio | 57.8069% | 5,816 |
| Assets per employee ($millions) | 4.5051% | 2,906 |
| Cash dividends to net income (ytd only)* | 101.0849% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 35.3693% | 6,589 |
| Net loans and leases to deposits | 38.9912% | 6,717 |
| Net loans and leases to core deposits | 39.8610% | 6,744 |
| Total domestic deposits to total assets | 90.7111% | 514 |
| Equity capital to assets | 9.0081% | 5,819 |
| Core capital (leverage) ratio | 7.5667% | 6,583 |
| Tier 1 risk-based capital ratio | 17.7844% | 2,428 |
| Total risk-based capital ratio | 18.9063% | 2,448 |
| Memoranda: | ||
| Average total assets | $105,444,250 | 4,738 |
| Average earning assets | $101,208,500 | 4,616 |
| Average equity | $9,084,750 | 5,245 |
| Average total loans | $37,747,750 | 5,662 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 6,276 |
| Cost of funding earning assets | 0.3656% | 6,444 |
| Net interest margin | 3.3730% | 5,198 |
| Noninterest income to average assets | 0.6525% | 2,945 |
| Noninterest expense to average assets | 2.2102% | 5,973 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6784% | 704 |
| Return on assets (ROA) | 1.6803% | 785 |
| Pretax return on assets | 1.6803% | 1,314 |
| Return on Equity (ROE) | 19.7963% | 367 |
| Retained earnings to average equity (ytd only) | 2.7106% | 4,819 |
| Net charge-offs to loans | 0.0053% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 890.0000% | 38 |
| Efficiency ratio | 56.8380% | 6,024 |
| Assets per employee ($millions) | 4.6175% | 2,690 |
| Cash dividends to net income (ytd only)* | 86.3075% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 34.8973% | 6,674 |
| Net loans and leases to deposits | 38.2449% | 6,794 |
| Net loans and leases to core deposits | 39.0706% | 6,828 |
| Total domestic deposits to total assets | 91.2470% | 369 |
| Equity capital to assets | 8.5233% | 6,187 |
| Core capital (leverage) ratio | 7.5139% | 6,622 |
| Tier 1 risk-based capital ratio | 17.8355% | 2,346 |
| Total risk-based capital ratio | 18.9415% | 2,367 |
| Memoranda: | ||
| Average total assets | $106,053,000 | 4,750 |
| Average earning assets | $101,749,670 | 4,632 |
| Average equity | $9,001,670 | 5,268 |
| Average total loans | $37,949,670 | 5,689 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 6,164 |
| Cost of funding earning assets | 0.3859% | 6,481 |
| Net interest margin | 3.4535% | 4,903 |
| Noninterest income to average assets | 0.6341% | 3,032 |
| Noninterest expense to average assets | 2.2571% | 5,882 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6871% | 739 |
| Return on assets (ROA) | 1.6871% | 824 |
| Pretax return on assets | 1.6871% | 1,341 |
| Return on Equity (ROE) | 19.9187% | 392 |
| Retained earnings to average equity (ytd only) | 19.9187% | 191 |
| Net charge-offs to loans | -0.0105% | 5,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2249% | 6,015 |
| Assets per employee ($millions) | 4.4898% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 4,902 |
| Loan loss allowance to noncurrent loans | 550.0000% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 6,682 |
| Noncurrent loans to loans | 0.2412% | 6,208 |
| Net loans and leases to total assets | 34.1652% | 6,728 |
| Net loans and leases to deposits | 37.4990% | 6,844 |
| Net loans and leases to core deposits | 38.4018% | 6,871 |
| Total domestic deposits to total assets | 91.1095% | 507 |
| Equity capital to assets | 8.7058% | 5,867 |
| Core capital (leverage) ratio | 7.8978% | 6,334 |
| Tier 1 risk-based capital ratio | 18.6940% | 2,080 |
| Total risk-based capital ratio | 19.8121% | 2,094 |
| Memoranda: | ||
| Average total assets | $105,978,000 | 4,789 |
| Average earning assets | $101,579,500 | 4,661 |
| Average equity | $8,976,500 | 5,289 |
| Average total loans | $38,147,000 | 5,726 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 6,043 |
| Cost of funding earning assets | 0.4961% | 6,552 |
| Net interest margin | 3.7064% | 4,267 |
| Noninterest income to average assets | 0.7068% | 2,559 |
| Noninterest expense to average assets | 2.2896% | 6,065 |
| Loan and lease loss provision to assets | 0.0010% | 6,490 |
| Net operating income to assets | 1.9560% | 334 |
| Return on assets (ROA) | 2.1764% | 247 |
| Pretax return on assets | 2.1764% | 386 |
| Return on Equity (ROE) | 26.4314% | 84 |
| Retained earnings to average equity (ytd only) | 3.9453% | 3,389 |
| Net charge-offs to loans | 0.0104% | 6,284 |
| Credit loss provision to net charge-offs | 25.0000% | 5,855 |
| Earnings coverage of net charge-offs (x) | 506.0000% | 63 |
| Efficiency ratio | 53.9162% | 6,520 |
| Assets per employee ($millions) | 4.0077% | 3,831 |
| Cash dividends to net income (ytd only)* | 85.0733% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 5,081 |
| Loan loss allowance to noncurrent loans | 1,051.0638% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 6,848 |
| Noncurrent loans to loans | 0.1206% | 6,511 |
| Net loans and leases to total assets | 36.9386% | 6,708 |
| Net loans and leases to deposits | 40.3075% | 6,871 |
| Net loans and leases to core deposits | 41.3045% | 6,906 |
| Total domestic deposits to total assets | 91.6420% | 295 |
| Equity capital to assets | 8.2265% | 6,407 |
| Core capital (leverage) ratio | 7.5420% | 6,627 |
| Tier 1 risk-based capital ratio | 17.0693% | 2,568 |
| Total risk-based capital ratio | 18.1463% | 2,612 |
| Memoranda: | ||
| Average total assets | $103,426,000 | 4,806 |
| Average earning assets | $98,773,800 | 4,666 |
| Average equity | $8,516,400 | 5,402 |
| Average total loans | $38,429,000 | 5,756 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2484% | 6,085 |
| Cost of funding earning assets | 0.5182% | 6,631 |
| Net interest margin | 3.7302% | 4,202 |
| Noninterest income to average assets | 0.7142% | 2,513 |
| Noninterest expense to average assets | 2.3429% | 5,927 |
| Loan and lease loss provision to assets | 0.0013% | 6,388 |
| Net operating income to assets | 1.9309% | 398 |
| Return on assets (ROA) | 2.2240% | 265 |
| Pretax return on assets | 2.2240% | 407 |
| Return on Equity (ROE) | 27.0031% | 97 |
| Retained earnings to average equity (ytd only) | 5.3630% | 2,939 |
| Net charge-offs to loans | 0.0139% | 5,954 |
| Credit loss provision to net charge-offs | 25.0000% | 5,489 |
| Earnings coverage of net charge-offs (x) | 374.2251% | 98 |
| Efficiency ratio | 54.8036% | 6,411 |
| Assets per employee ($millions) | 4.3450% | 3,191 |
| Cash dividends to net income (ytd only)* | 80.1393% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 4,992 |
| Loan loss allowance to noncurrent loans | 280.6818% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 6,632 |
| Noncurrent loans to loans | 0.4645% | 5,917 |
| Net loans and leases to total assets | 35.8602% | 6,873 |
| Net loans and leases to deposits | 39.2747% | 7,002 |
| Net loans and leases to core deposits | 40.2452% | 7,033 |
| Total domestic deposits to total assets | 91.3061% | 344 |
| Equity capital to assets | 8.4120% | 6,386 |
| Core capital (leverage) ratio | 7.5561% | 6,732 |
| Tier 1 risk-based capital ratio | 17.5293% | 2,431 |
| Total risk-based capital ratio | 18.6346% | 2,463 |
| Memoranda: | ||
| Average total assets | $103,232,500 | 4,837 |
| Average earning assets | $98,543,750 | 4,705 |
| Average equity | $8,502,500 | 5,430 |
| Average total loans | $38,290,250 | 5,823 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 6,117 |
| Cost of funding earning assets | 0.5382% | 6,712 |
| Net interest margin | 3.7289% | 4,124 |
| Noninterest income to average assets | 0.7057% | 2,520 |
| Noninterest expense to average assets | 2.3386% | 6,032 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9226% | 388 |
| Return on assets (ROA) | 1.9226% | 412 |
| Pretax return on assets | 1.9226% | 673 |
| Return on Equity (ROE) | 23.5122% | 178 |
| Retained earnings to average equity (ytd only) | 5.2064% | 2,870 |
| Net charge-offs to loans | 0.0052% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 989.0000% | 24 |
| Efficiency ratio | 54.8814% | 6,522 |
| Assets per employee ($millions) | 4.3444% | 3,093 |
| Cash dividends to net income (ytd only)* | 77.8564% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 5,178 |
| Loan loss allowance to noncurrent loans | 251.7766% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 6,072 |
| Noncurrent loans to loans | 0.5057% | 5,891 |
| Net loans and leases to total assets | 36.8864% | 6,916 |
| Net loans and leases to deposits | 40.3911% | 7,050 |
| Net loans and leases to core deposits | 41.2095% | 7,094 |
| Total domestic deposits to total assets | 91.3232% | 389 |
| Equity capital to assets | 8.4390% | 6,252 |
| Core capital (leverage) ratio | 7.3536% | 6,840 |
| Tier 1 risk-based capital ratio | 15.5071% | 3,238 |
| Total risk-based capital ratio | 16.5147% | 3,326 |
| Memoranda: | ||
| Average total assets | $102,883,330 | 4,883 |
| Average earning assets | $98,098,670 | 4,755 |
| Average equity | $8,412,670 | 5,486 |
| Average total loans | $38,424,000 | 5,871 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 6,064 |
| Cost of funding earning assets | 0.5544% | 6,788 |
| Net interest margin | 3.7244% | 3,977 |
| Noninterest income to average assets | 0.6811% | 2,675 |
| Noninterest expense to average assets | 2.3877% | 5,917 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8436% | 449 |
| Return on assets (ROA) | 1.8436% | 474 |
| Pretax return on assets | 1.8436% | 748 |
| Return on Equity (ROE) | 22.9211% | 215 |
| Retained earnings to average equity (ytd only) | 22.9211% | 124 |
| Net charge-offs to loans | 0.0105% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 471.0000% | 50 |
| Efficiency ratio | 56.4292% | 6,453 |
| Assets per employee ($millions) | 4.3366% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 5,184 |
| Loan loss allowance to noncurrent loans | 275.5556% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 6,158 |
| Noncurrent loans to loans | 0.4682% | 6,080 |
| Net loans and leases to total assets | 36.4646% | 6,983 |
| Net loans and leases to deposits | 39.8208% | 7,111 |
| Net loans and leases to core deposits | 40.6234% | 7,152 |
| Total domestic deposits to total assets | 91.5718% | 396 |
| Equity capital to assets | 8.2351% | 6,242 |
| Core capital (leverage) ratio | 7.7990% | 6,464 |
| Tier 1 risk-based capital ratio | 16.2134% | 2,803 |
| Total risk-based capital ratio | 17.2361% | 2,879 |
| Memoranda: | ||
| Average total assets | $102,192,000 | 4,942 |
| Average earning assets | $97,411,000 | 4,809 |
| Average equity | $8,219,500 | 5,549 |
| Average total loans | $38,158,000 | 5,930 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 6,180 |
| Cost of funding earning assets | 0.6905% | 6,911 |
| Net interest margin | 3.8846% | 3,561 |
| Noninterest income to average assets | 0.6916% | 2,889 |
| Noninterest expense to average assets | 2.3720% | 6,163 |
| Loan and lease loss provision to assets | 0.0617% | 6,528 |
| Net operating income to assets | 1.9554% | 305 |
| Return on assets (ROA) | 2.2921% | 164 |
| Pretax return on assets | 2.2921% | 253 |
| Return on Equity (ROE) | 26.7373% | 71 |
| Retained earnings to average equity (ytd only) | 4.9064% | 2,472 |
| Net charge-offs to loans | -0.0054% | 7,272 |
| Credit loss provision to net charge-offs | -3,050.0000% | 7,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0428% | 6,802 |
| Assets per employee ($millions) | 4.1794% | 3,425 |
| Cash dividends to net income (ytd only)* | 81.6498% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,940 |
| Loan loss allowance to noncurrent loans | 184.0741% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 6,577 |
| Noncurrent loans to loans | 0.7130% | 5,624 |
| Net loans and leases to total assets | 37.2574% | 7,104 |
| Net loans and leases to deposits | 40.4934% | 7,238 |
| Net loans and leases to core deposits | 41.3350% | 7,277 |
| Total domestic deposits to total assets | 92.0084% | 280 |
| Equity capital to assets | 7.8441% | 6,647 |
| Core capital (leverage) ratio | 7.4362% | 6,757 |
| Tier 1 risk-based capital ratio | 15.6081% | 2,945 |
| Total risk-based capital ratio | 16.6554% | 3,002 |
| Memoranda: | ||
| Average total assets | $98,903,400 | 5,012 |
| Average earning assets | $94,140,200 | 4,889 |
| Average equity | $8,478,800 | 5,554 |
| Average total loans | $37,116,800 | 6,061 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 6,644 |
| Cost of funding earning assets | 0.7152% | 7,026 |
| Net interest margin | 3.7681% | 4,100 |
| Noninterest income to average assets | 0.6751% | 2,982 |
| Noninterest expense to average assets | 2.3811% | 6,090 |
| Loan and lease loss provision to assets | 0.0825% | 6,215 |
| Net operating income to assets | 1.7966% | 509 |
| Return on assets (ROA) | 2.2471% | 231 |
| Pretax return on assets | 2.2471% | 375 |
| Return on Equity (ROE) | 25.6573% | 105 |
| Retained earnings to average equity (ytd only) | 4.7885% | 3,141 |
| Net charge-offs to loans | -0.0036% | 7,190 |
| Credit loss provision to net charge-offs | -6,100.0000% | 7,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8908% | 6,575 |
| Assets per employee ($millions) | 4.3303% | 3,203 |
| Cash dividends to net income (ytd only)* | 81.3367% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 4,930 |
| Loan loss allowance to noncurrent loans | 1,180.9524% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 7,243 |
| Noncurrent loans to loans | 0.1106% | 6,964 |
| Net loans and leases to total assets | 37.6206% | 7,197 |
| Net loans and leases to deposits | 41.3433% | 7,327 |
| Net loans and leases to core deposits | 42.3335% | 7,368 |
| Total domestic deposits to total assets | 90.9957% | 453 |
| Equity capital to assets | 8.6991% | 6,015 |
| Core capital (leverage) ratio | 7.4956% | 6,849 |
| Tier 1 risk-based capital ratio | 15.1665% | 3,172 |
| Total risk-based capital ratio | 16.1895% | 3,265 |
| Memoranda: | ||
| Average total assets | $98,553,000 | 5,093 |
| Average earning assets | $93,767,500 | 4,957 |
| Average equity | $8,631,500 | 5,591 |
| Average total loans | $36,929,000 | 6,151 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 6,688 |
| Cost of funding earning assets | 0.7396% | 7,096 |
| Net interest margin | 3.7707% | 4,043 |
| Noninterest income to average assets | 0.6517% | 3,003 |
| Noninterest expense to average assets | 2.3624% | 6,179 |
| Loan and lease loss provision to assets | 0.1222% | 5,677 |
| Net operating income to assets | 1.7494% | 526 |
| Return on assets (ROA) | 2.4276% | 160 |
| Pretax return on assets | 2.4276% | 260 |
| Return on Equity (ROE) | 27.6545% | 78 |
| Retained earnings to average equity (ytd only) | 5.9624% | 2,349 |
| Net charge-offs to loans | -0.0055% | 7,120 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7961% | 6,662 |
| Assets per employee ($millions) | 4.1260% | 3,533 |
| Cash dividends to net income (ytd only)* | 78.4396% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 4,836 |
| Loan loss allowance to noncurrent loans | 6,187.5000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 7,397 |
| Noncurrent loans to loans | 0.0212% | 7,271 |
| Net loans and leases to total assets | 37.5656% | 7,289 |
| Net loans and leases to deposits | 41.2072% | 7,413 |
| Net loans and leases to core deposits | 42.3308% | 7,446 |
| Total domestic deposits to total assets | 91.1627% | 426 |
| Equity capital to assets | 8.5696% | 6,064 |
| Core capital (leverage) ratio | 7.4359% | 6,887 |
| Tier 1 risk-based capital ratio | 15.2769% | 3,021 |
| Total risk-based capital ratio | 16.3132% | 3,086 |
| Memoranda: | ||
| Average total assets | $98,205,000 | 5,134 |
| Average earning assets | $93,298,670 | 5,008 |
| Average equity | $8,620,670 | 5,605 |
| Average total loans | $36,583,670 | 6,217 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 6,274 |
| Cost of funding earning assets | 0.7618% | 7,200 |
| Net interest margin | 3.9294% | 3,203 |
| Noninterest income to average assets | 0.6258% | 3,113 |
| Noninterest expense to average assets | 2.4582% | 5,880 |
| Loan and lease loss provision to assets | 0.1227% | 5,355 |
| Net operating income to assets | 1.7792% | 519 |
| Return on assets (ROA) | 3.1331% | 92 |
| Pretax return on assets | 3.1331% | 127 |
| Return on Equity (ROE) | 35.2670% | 50 |
| Retained earnings to average equity (ytd only) | 35.2670% | 39 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3790% | 6,718 |
| Assets per employee ($millions) | 4.0473% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 5,013 |
| Loan loss allowance to noncurrent loans | 46,400.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,508 |
| Noncurrent loans to loans | 0.0028% | 7,420 |
| Net loans and leases to total assets | 36.6850% | 7,402 |
| Net loans and leases to deposits | 40.5111% | 7,504 |
| Net loans and leases to core deposits | 41.2727% | 7,542 |
| Total domestic deposits to total assets | 90.5554% | 710 |
| Equity capital to assets | 9.2171% | 4,969 |
| Core capital (leverage) ratio | 8.0165% | 6,214 |
| Tier 1 risk-based capital ratio | 16.7331% | 2,365 |
| Total risk-based capital ratio | 17.7330% | 2,409 |
| Memoranda: | ||
| Average total assets | $97,795,500 | 5,212 |
| Average earning assets | $92,940,000 | 5,080 |
| Average equity | $8,688,000 | 5,636 |
| Average total loans | $36,028,500 | 6,314 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9415% | 6,615 |
| Cost of funding earning assets | 0.8293% | 7,510 |
| Net interest margin | 4.1122% | 2,400 |
| Noninterest income to average assets | 0.7088% | 2,905 |
| Noninterest expense to average assets | 2.3953% | 6,483 |
| Loan and lease loss provision to assets | 0.1242% | 6,396 |
| Net operating income to assets | 2.1081% | 182 |
| Return on assets (ROA) | 2.3250% | 127 |
| Pretax return on assets | 2.3250% | 212 |
| Return on Equity (ROE) | 27.4392% | 67 |
| Retained earnings to average equity (ytd only) | 4.8316% | 1,911 |
| Net charge-offs to loans | 0.0628% | 6,477 |
| Credit loss provision to net charge-offs | 530.4348% | 570 |
| Earnings coverage of net charge-offs (x) | 95.3043% | 295 |
| Efficiency ratio | 51.7606% | 7,406 |
| Assets per employee ($millions) | 4.1023% | 3,607 |
| Cash dividends to net income (ytd only)* | 82.3916% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 5,313 |
| Loan loss allowance to noncurrent loans | 43,400.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,548 |
| Noncurrent loans to loans | 0.0028% | 7,449 |
| Net loans and leases to total assets | 36.0821% | 7,516 |
| Net loans and leases to deposits | 39.5315% | 7,638 |
| Net loans and leases to core deposits | 45.7360% | 7,669 |
| Total domestic deposits to total assets | 91.2743% | 444 |
| Equity capital to assets | 8.5551% | 5,803 |
| Core capital (leverage) ratio | 7.2239% | 7,049 |
| Tier 1 risk-based capital ratio | 15.1331% | 2,875 |
| Total risk-based capital ratio | 16.0727% | 2,989 |
| Memoranda: | ||
| Average total assets | $98,193,000 | 5,133 |
| Average earning assets | $93,575,200 | 5,020 |
| Average equity | $8,320,200 | 5,830 |
| Average total loans | $36,629,400 | 6,273 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 6,897 |
| Cost of funding earning assets | 0.8436% | 7,635 |
| Net interest margin | 4.0529% | 2,587 |
| Noninterest income to average assets | 0.7052% | 2,985 |
| Noninterest expense to average assets | 2.3900% | 6,448 |
| Loan and lease loss provision to assets | 0.1223% | 6,135 |
| Net operating income to assets | 2.0571% | 254 |
| Return on assets (ROA) | 2.3466% | 152 |
| Pretax return on assets | 2.3466% | 263 |
| Return on Equity (ROE) | 27.7607% | 80 |
| Retained earnings to average equity (ytd only) | 5.5779% | 2,165 |
| Net charge-offs to loans | 0.0109% | 6,786 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 534.6525% | 64 |
| Efficiency ratio | 52.3045% | 7,386 |
| Assets per employee ($millions) | 4.0702% | 3,606 |
| Cash dividends to net income (ytd only)* | 79.9071% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,048 |
| Loan loss allowance to noncurrent loans | 1,918.1818% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 7,536 |
| Noncurrent loans to loans | 0.0631% | 7,343 |
| Net loans and leases to total assets | 35.2541% | 7,641 |
| Net loans and leases to deposits | 38.7397% | 7,765 |
| Net loans and leases to core deposits | 44.8926% | 7,784 |
| Total domestic deposits to total assets | 91.0027% | 415 |
| Equity capital to assets | 8.6349% | 6,062 |
| Core capital (leverage) ratio | 7.1219% | 7,345 |
| Tier 1 risk-based capital ratio | 15.3907% | 2,869 |
| Total risk-based capital ratio | 16.3191% | 2,949 |
| Memoranda: | ||
| Average total assets | $98,127,250 | 5,171 |
| Average earning assets | $93,560,750 | 5,053 |
| Average equity | $8,294,500 | 5,889 |
| Average total loans | $36,797,000 | 6,298 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 7,156 |
| Cost of funding earning assets | 0.8592% | 7,745 |
| Net interest margin | 3.9781% | 2,799 |
| Noninterest income to average assets | 0.6777% | 3,132 |
| Noninterest expense to average assets | 2.3383% | 6,646 |
| Loan and lease loss provision to assets | 0.1221% | 5,890 |
| Net operating income to assets | 2.0148% | 287 |
| Return on assets (ROA) | 2.0148% | 312 |
| Pretax return on assets | 2.0148% | 543 |
| Return on Equity (ROE) | 24.0068% | 158 |
| Retained earnings to average equity (ytd only) | 7.4445% | 1,415 |
| Net charge-offs to loans | 0.0267% | 6,100 |
| Credit loss provision to net charge-offs | 1,200.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 201 |
| Efficiency ratio | 52.2510% | 7,498 |
| Assets per employee ($millions) | 4.1523% | 3,389 |
| Cash dividends to net income (ytd only)* | 68.9899% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 5,870 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 7,642 |
| Noncurrent loans to loans | 0.0135% | 7,524 |
| Net loans and leases to total assets | 36.6739% | 7,681 |
| Net loans and leases to deposits | 40.0296% | 7,816 |
| Net loans and leases to core deposits | 45.2247% | 7,855 |
| Total domestic deposits to total assets | 91.6170% | 289 |
| Equity capital to assets | 8.0669% | 6,670 |
| Core capital (leverage) ratio | 6.9424% | 7,578 |
| Tier 1 risk-based capital ratio | 14.6151% | 3,182 |
| Total risk-based capital ratio | 15.4394% | 3,347 |
| Memoranda: | ||
| Average total assets | $98,274,670 | 5,210 |
| Average earning assets | $93,813,330 | 5,073 |
| Average equity | $8,247,670 | 5,936 |
| Average total loans | $37,442,670 | 6,322 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 7,337 |
| Cost of funding earning assets | 0.8979% | 7,813 |
| Net interest margin | 3.9225% | 2,966 |
| Noninterest income to average assets | 0.6927% | 2,935 |
| Noninterest expense to average assets | 2.1561% | 6,990 |
| Loan and lease loss provision to assets | 0.1230% | 5,390 |
| Net operating income to assets | 2.1561% | 252 |
| Return on assets (ROA) | 2.1561% | 295 |
| Pretax return on assets | 2.1561% | 486 |
| Return on Equity (ROE) | 25.1916% | 180 |
| Retained earnings to average equity (ytd only) | 25.1916% | 79 |
| Net charge-offs to loans | -0.0212% | 7,455 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6137% | 7,692 |
| Assets per employee ($millions) | 4.0506% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 6,213 |
| Loan loss allowance to noncurrent loans | 232.2785% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 7,090 |
| Noncurrent loans to loans | 0.4288% | 6,348 |
| Net loans and leases to total assets | 36.0217% | 7,730 |
| Net loans and leases to deposits | 39.4790% | 7,857 |
| Net loans and leases to core deposits | 44.4527% | 7,896 |
| Total domestic deposits to total assets | 91.2427% | 336 |
| Equity capital to assets | 8.5361% | 6,018 |
| Core capital (leverage) ratio | 7.4544% | 7,208 |
| Tier 1 risk-based capital ratio | 16.8374% | 2,389 |
| Total risk-based capital ratio | 17.6956% | 2,476 |
| Memoranda: | ||
| Average total assets | $97,585,000 | 5,252 |
| Average earning assets | $93,103,500 | 5,114 |
| Average equity | $8,352,000 | 5,933 |
| Average total loans | $37,695,500 | 6,347 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8014% | 6,425 |
| Cost of funding earning assets | 1.3816% | 7,758 |
| Net interest margin | 4.4197% | 1,625 |
| Noninterest income to average assets | 0.8540% | 2,206 |
| Noninterest expense to average assets | 2.4139% | 6,347 |
| Loan and lease loss provision to assets | 0.0659% | 6,565 |
| Net operating income to assets | 2.4928% | 128 |
| Return on assets (ROA) | 2.5166% | 122 |
| Pretax return on assets | 2.5166% | 188 |
| Return on Equity (ROE) | 33.0419% | 37 |
| Retained earnings to average equity (ytd only) | 5.6205% | 1,701 |
| Net charge-offs to loans | 0.0077% | 6,837 |
| Credit loss provision to net charge-offs | 2,033.3333% | 217 |
| Earnings coverage of net charge-offs (x) | 789.0000% | 66 |
| Efficiency ratio | 48.5435% | 7,761 |
| Assets per employee ($millions) | 3.7562% | 4,048 |
| Cash dividends to net income (ytd only)* | 82.9897% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 6,814 |
| Loan loss allowance to noncurrent loans | 218.9542% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 6,917 |
| Noncurrent loans to loans | 0.3969% | 6,157 |
| Net loans and leases to total assets | 40.6918% | 7,640 |
| Net loans and leases to deposits | 44.6068% | 7,829 |
| Net loans and leases to core deposits | 50.5704% | 7,879 |
| Total domestic deposits to total assets | 91.2231% | 267 |
| Equity capital to assets | 8.5831% | 5,963 |
| Core capital (leverage) ratio | 7.0680% | 7,643 |
| Tier 1 risk-based capital ratio | 14.8655% | 3,117 |
| Total risk-based capital ratio | 15.6116% | 3,278 |
| Memoranda: | ||
| Average total assets | $92,504,600 | 5,277 |
| Average earning assets | $86,204,000 | 5,225 |
| Average equity | $7,045,600 | 6,440 |
| Average total loans | $38,869,800 | 6,230 |