Home > The First Security Bank > Performance and Condition Ratios
The First Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5632% | 1,088 |
| Cost of funding earning assets | 1.6282% | 1,613 |
| Net interest margin | 3.9350% | 1,301 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 3.4572% | 607 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.2482% | 4,098 |
| Return on assets (ROA) | 0.2482% | 4,105 |
| Pretax return on assets | 0.2790% | 4,110 |
| Return on Equity (ROE) | 2.4100% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.4109% | 3,477 |
| Net charge-offs to loans | 0.0664% | 1,186 |
| Credit loss provision to net charge-offs | 37.9310% | 2,251 |
| Earnings coverage of net charge-offs (x) | 6.9310% | 2,439 |
| Efficiency ratio | 92.1331% | 361 |
| Assets per employee ($millions) | 5.9401% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 2,685 |
| Loan loss allowance to noncurrent loans | 37.3597% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.8118% | 176 |
| Noncurrent loans to loans | 3.0152% | 142 |
| Net loans and leases to total assets | 59.4100% | 2,894 |
| Net loans and leases to deposits | 66.5535% | 3,136 |
| Net loans and leases to core deposits | 78.0333% | 2,833 |
| Total domestic deposits to total assets | 89.2700% | 985 |
| Equity capital to assets | 10.1338% | 1,927 |
| Core capital (leverage) ratio | 9.5136% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6729% | 2,661 |
| Memoranda: | ||
| Average total assets | $136,179,400 | 3,490 |
| Average earning assets | $120,380,600 | 3,541 |
| Average equity | $14,019,400 | 3,343 |
| Average total loans | $87,392,200 | 3,329 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6239% | 884 |
| Cost of funding earning assets | 1.4751% | 1,676 |
| Net interest margin | 4.1488% | 989 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 3.4189% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5043% | 3,758 |
| Return on assets (ROA) | 0.5043% | 3,757 |
| Pretax return on assets | 0.5360% | 3,850 |
| Return on Equity (ROE) | 4.8800% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.8780% | 2,977 |
| Net charge-offs to loans | 0.0061% | 2,225 |
| Credit loss provision to net charge-offs | 75.0000% | 1,778 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 781 |
| Efficiency ratio | 86.3830% | 499 |
| Assets per employee ($millions) | 5.2645% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 2,555 |
| Loan loss allowance to noncurrent loans | 55.9284% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3585% | 302 |
| Noncurrent loans to loans | 2.0796% | 278 |
| Net loans and leases to total assets | 64.5700% | 2,379 |
| Net loans and leases to deposits | 72.5209% | 2,678 |
| Net loans and leases to core deposits | 85.0421% | 2,259 |
| Total domestic deposits to total assets | 89.0300% | 1,237 |
| Equity capital to assets | 10.4056% | 1,597 |
| Core capital (leverage) ratio | 9.8194% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0807% | 2,239 |
| Memoranda: | ||
| Average total assets | $134,583,750 | 3,509 |
| Average earning assets | $118,681,250 | 3,575 |
| Average equity | $13,912,500 | 3,341 |
| Average total loans | $87,823,500 | 3,322 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4704% | 875 |
| Cost of funding earning assets | 1.2272% | 1,911 |
| Net interest margin | 4.2432% | 870 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 3.2941% | 694 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6255% | 3,517 |
| Return on assets (ROA) | 0.6255% | 3,527 |
| Pretax return on assets | 0.6624% | 3,683 |
| Return on Equity (ROE) | 6.0600% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.0636% | 2,595 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.1657% | 647 |
| Assets per employee ($millions) | 5.2242% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 4,026 |
| Loan loss allowance to noncurrent loans | 243.0921% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 2,070 |
| Noncurrent loans to loans | 0.3289% | 1,950 |
| Net loans and leases to total assets | 67.5000% | 2,010 |
| Net loans and leases to deposits | 76.3381% | 2,277 |
| Net loans and leases to core deposits | 85.9689% | 2,076 |
| Total domestic deposits to total assets | 88.4200% | 1,454 |
| Equity capital to assets | 10.4595% | 1,619 |
| Core capital (leverage) ratio | 9.8242% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7165% | 2,397 |
| Memoranda: | ||
| Average total assets | $135,574,333 | 3,512 |
| Average earning assets | $119,626,667 | 3,577 |
| Average equity | $13,985,000 | 3,358 |
| Average total loans | $88,438,000 | 3,314 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 926 |
| Cost of funding earning assets | 1.0204% | 1,981 |
| Net interest margin | 4.2024% | 942 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 3.2544% | 740 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6054% | 3,678 |
| Return on assets (ROA) | 0.6054% | 3,640 |
| Pretax return on assets | 0.6438% | 3,767 |
| Return on Equity (ROE) | 5.9100% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.9103% | 2,787 |
| Net charge-offs to loans | -0.0046% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.2955% | 629 |
| Assets per employee ($millions) | 5.8687% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 3,967 |
| Loan loss allowance to noncurrent loans | 591.2000% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 2,886 |
| Noncurrent loans to loans | 0.1451% | 2,768 |
| Net loans and leases to total assets | 63.2800% | 2,326 |
| Net loans and leases to deposits | 70.9589% | 2,543 |
| Net loans and leases to core deposits | 79.5412% | 2,285 |
| Total domestic deposits to total assets | 89.1700% | 1,478 |
| Equity capital to assets | 10.3482% | 1,642 |
| Core capital (leverage) ratio | 9.6727% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3797% | 2,608 |
| Memoranda: | ||
| Average total assets | $135,447,000 | 3,563 |
| Average earning assets | $119,170,000 | 3,618 |
| Average equity | $13,874,000 | 3,399 |
| Average total loans | $86,448,000 | 3,381 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 1,227 |
| Cost of funding earning assets | 0.3857% | 2,216 |
| Net interest margin | 3.8224% | 1,113 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.8682% | 1,180 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.5624% | 3,960 |
| Return on assets (ROA) | 0.5624% | 3,928 |
| Pretax return on assets | 0.5877% | 4,048 |
| Return on Equity (ROE) | 5.0200% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.0237% | 3,041 |
| Net charge-offs to loans | 0.0025% | 2,417 |
| Credit loss provision to net charge-offs | 10,850.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 481.0000% | 342 |
| Efficiency ratio | 79.0779% | 785 |
| Assets per employee ($millions) | 6.4721% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5337% | 4,409 |
| Loan loss allowance to noncurrent loans | 204.8673% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,380 |
| Noncurrent loans to loans | 0.2605% | 2,231 |
| Net loans and leases to total assets | 63.4800% | 2,289 |
| Net loans and leases to deposits | 70.9201% | 2,498 |
| Net loans and leases to core deposits | 79.8078% | 2,148 |
| Total domestic deposits to total assets | 89.5200% | 1,549 |
| Equity capital to assets | 10.1388% | 1,642 |
| Core capital (leverage) ratio | 10.2528% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3169% | 2,639 |
| Memoranda: | ||
| Average total assets | $126,770,400 | 3,666 |
| Average earning assets | $113,043,200 | 3,694 |
| Average equity | $14,192,600 | 3,445 |
| Average total loans | $79,535,800 | 3,422 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 1,125 |
| Cost of funding earning assets | 0.2999% | 2,170 |
| Net interest margin | 3.7668% | 1,006 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.7366% | 1,382 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.6180% | 3,792 |
| Return on assets (ROA) | 0.6180% | 3,747 |
| Pretax return on assets | 0.6394% | 3,918 |
| Return on Equity (ROE) | 5.3800% | 3,906 |
| Retained earnings to average equity (ytd only) | 5.3814% | 2,960 |
| Net charge-offs to loans | 0.0034% | 2,097 |
| Credit loss provision to net charge-offs | 9,950.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 398.0000% | 384 |
| Efficiency ratio | 76.2459% | 1,055 |
| Assets per employee ($millions) | 6.3809% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5131% | 4,461 |
| Loan loss allowance to noncurrent loans | 35.0158% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 447 |
| Noncurrent loans to loans | 1.4654% | 486 |
| Net loans and leases to total assets | 67.4500% | 1,736 |
| Net loans and leases to deposits | 75.4221% | 1,925 |
| Net loans and leases to core deposits | 86.4400% | 1,504 |
| Total domestic deposits to total assets | 89.4400% | 1,901 |
| Equity capital to assets | 10.2149% | 1,513 |
| Core capital (leverage) ratio | 10.3031% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8135% | 2,547 |
| Memoranda: | ||
| Average total assets | $124,484,500 | 3,718 |
| Average earning assets | $111,142,750 | 3,739 |
| Average equity | $14,295,750 | 3,477 |
| Average total loans | $77,732,750 | 3,460 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 1,511 |
| Cost of funding earning assets | 0.1516% | 3,554 |
| Net interest margin | 3.5584% | 1,164 |
| Noninterest income to average assets | 0.2106% | 3,942 |
| Noninterest expense to average assets | 2.7560% | 1,258 |
| Loan and lease loss provision to assets | 0.1474% | 648 |
| Net operating income to assets | 0.4828% | 3,942 |
| Return on assets (ROA) | 0.4828% | 3,891 |
| Pretax return on assets | 0.5023% | 3,995 |
| Return on Equity (ROE) | 4.0501% | 4,024 |
| Retained earnings to average equity (ytd only) | 4.0501% | 3,064 |
| Net charge-offs to loans | -0.0080% | 3,507 |
| Credit loss provision to net charge-offs | -3,033.3333% | 3,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9229% | 877 |
| Assets per employee ($millions) | 6.4134% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4190% | 4,607 |
| Loan loss allowance to noncurrent loans | 48.7143% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 982 |
| Noncurrent loans to loans | 0.8602% | 988 |
| Net loans and leases to total assets | 66.5050% | 1,629 |
| Net loans and leases to deposits | 75.1788% | 1,748 |
| Net loans and leases to core deposits | 87.3613% | 1,249 |
| Total domestic deposits to total assets | 88.4624% | 2,399 |
| Equity capital to assets | 11.2257% | 1,121 |
| Core capital (leverage) ratio | 10.2238% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7872% | 2,577 |
| Memoranda: | ||
| Average total assets | $123,440,333 | 3,770 |
| Average earning assets | $110,836,000 | 3,795 |
| Average equity | $14,715,667 | 3,524 |
| Average total loans | $74,801,333 | 3,534 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 1,357 |
| Cost of funding earning assets | 0.0392% | 4,663 |
| Net interest margin | 3.6246% | 862 |
| Noninterest income to average assets | 0.1996% | 3,968 |
| Noninterest expense to average assets | 2.5822% | 1,660 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8886% | 2,327 |
| Return on assets (ROA) | 0.8886% | 2,320 |
| Pretax return on assets | 0.8886% | 2,816 |
| Return on Equity (ROE) | 7.2469% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.2469% | 1,810 |
| Net charge-offs to loans | -0.0112% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3970% | 1,699 |
| Assets per employee ($millions) | 6.4339% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3389% | 4,672 |
| Loan loss allowance to noncurrent loans | 178.5714% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,009 |
| Noncurrent loans to loans | 0.1898% | 2,869 |
| Net loans and leases to total assets | 60.1371% | 2,048 |
| Net loans and leases to deposits | 68.5797% | 2,090 |
| Net loans and leases to core deposits | 80.1277% | 1,468 |
| Total domestic deposits to total assets | 87.6894% | 2,667 |
| Equity capital to assets | 11.9646% | 969 |
| Core capital (leverage) ratio | 10.1070% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2522% | 2,094 |
| Memoranda: | ||
| Average total assets | $124,233,500 | 3,782 |
| Average earning assets | $112,122,000 | 3,799 |
| Average equity | $15,234,000 | 3,542 |
| Average total loans | $71,512,000 | 3,594 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 1,261 |
| Cost of funding earning assets | 0.4886% | 975 |
| Net interest margin | 3.5538% | 1,591 |
| Noninterest income to average assets | 0.2557% | 3,847 |
| Noninterest expense to average assets | 2.5316% | 2,083 |
| Loan and lease loss provision to assets | 0.1616% | 732 |
| Net operating income to assets | 0.7778% | 3,398 |
| Return on assets (ROA) | 0.7778% | 3,470 |
| Pretax return on assets | 0.8394% | 3,645 |
| Return on Equity (ROE) | 8.0361% | 3,212 |
| Retained earnings to average equity (ytd only) | -1.4541% | 4,600 |
| Net charge-offs to loans | 0.1488% | 642 |
| Credit loss provision to net charge-offs | 183.0189% | 1,356 |
| Earnings coverage of net charge-offs (x) | 11.3396% | 2,160 |
| Efficiency ratio | 71.6643% | 1,547 |
| Assets per employee ($millions) | 7.4249% | 1,659 |
| Cash dividends to net income (ytd only)* | 118.0942% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3581% | 4,704 |
| Loan loss allowance to noncurrent loans | 263.8298% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 3,429 |
| Noncurrent loans to loans | 0.1357% | 3,247 |
| Net loans and leases to total assets | 54.6747% | 2,771 |
| Net loans and leases to deposits | 62.6744% | 2,815 |
| Net loans and leases to core deposits | 73.1330% | 2,151 |
| Total domestic deposits to total assets | 87.2361% | 2,419 |
| Equity capital to assets | 12.5508% | 1,042 |
| Core capital (leverage) ratio | 10.4139% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2507% | 2,146 |
| Memoranda: | ||
| Average total assets | $120,084,200 | 3,799 |
| Average earning assets | $110,726,600 | 3,805 |
| Average equity | $11,622,600 | 3,970 |
| Average total loans | $71,258,400 | 3,622 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 1,776 |
| Cost of funding earning assets | 0.6258% | 557 |
| Net interest margin | 3.2709% | 2,506 |
| Noninterest income to average assets | 0.2632% | 3,828 |
| Noninterest expense to average assets | 2.4406% | 2,305 |
| Loan and lease loss provision to assets | 0.0447% | 2,102 |
| Net operating income to assets | 0.8109% | 3,497 |
| Return on assets (ROA) | 0.8109% | 3,568 |
| Pretax return on assets | 0.8109% | 3,870 |
| Return on Equity (ROE) | 9.0966% | 3,081 |
| Retained earnings to average equity (ytd only) | 0.5804% | 4,483 |
| Net charge-offs to loans | 0.1858% | 456 |
| Credit loss provision to net charge-offs | 40.0000% | 1,922 |
| Earnings coverage of net charge-offs (x) | 7.6100% | 2,128 |
| Efficiency ratio | 74.0362% | 1,211 |
| Assets per employee ($millions) | 6.7152% | 2,084 |
| Cash dividends to net income (ytd only)* | 93.6200% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,566 |
| Loan loss allowance to noncurrent loans | 109.6692% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 1,084 |
| Noncurrent loans to loans | 1.1725% | 949 |
| Net loans and leases to total assets | 57.9662% | 2,501 |
| Net loans and leases to deposits | 63.9155% | 2,861 |
| Net loans and leases to core deposits | 76.5289% | 1,999 |
| Total domestic deposits to total assets | 90.6918% | 471 |
| Equity capital to assets | 8.9989% | 3,831 |
| Core capital (leverage) ratio | 9.1421% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2334% | 2,284 |
| Memoranda: | ||
| Average total assets | $118,549,500 | 3,861 |
| Average earning assets | $109,937,500 | 3,859 |
| Average equity | $10,567,750 | 4,131 |
| Average total loans | $71,758,000 | 3,668 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 2,034 |
| Cost of funding earning assets | 0.8644% | 213 |
| Net interest margin | 2.9491% | 3,449 |
| Noninterest income to average assets | 0.5933% | 2,249 |
| Noninterest expense to average assets | 2.0381% | 3,585 |
| Loan and lease loss provision to assets | 0.0667% | 1,713 |
| Net operating income to assets | 1.2232% | 2,098 |
| Return on assets (ROA) | 1.2232% | 2,173 |
| Pretax return on assets | 1.2232% | 2,848 |
| Return on Equity (ROE) | 13.7634% | 1,487 |
| Retained earnings to average equity (ytd only) | 5.7941% | 2,892 |
| Net charge-offs to loans | 0.2645% | 336 |
| Credit loss provision to net charge-offs | 41.2371% | 1,652 |
| Earnings coverage of net charge-offs (x) | 7.9794% | 1,903 |
| Efficiency ratio | 61.2419% | 2,839 |
| Assets per employee ($millions) | 8.5604% | 984 |
| Cash dividends to net income (ytd only)* | 57.9019% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,798 |
| Loan loss allowance to noncurrent loans | 167.8295% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 1,895 |
| Noncurrent loans to loans | 0.7297% | 1,628 |
| Net loans and leases to total assets | 58.2845% | 2,635 |
| Net loans and leases to deposits | 64.4983% | 2,952 |
| Net loans and leases to core deposits | 77.8275% | 2,062 |
| Total domestic deposits to total assets | 90.3659% | 618 |
| Equity capital to assets | 8.8915% | 3,897 |
| Core capital (leverage) ratio | 9.2839% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5815% | 2,518 |
| Memoranda: | ||
| Average total assets | $120,013,333 | 3,854 |
| Average earning assets | $111,288,667 | 3,853 |
| Average equity | $10,666,000 | 4,139 |
| Average total loans | $73,332,333 | 3,664 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 614 |
| Cost of funding earning assets | 1.0151% | 126 |
| Net interest margin | 3.6250% | 1,517 |
| Noninterest income to average assets | 0.2665% | 3,803 |
| Noninterest expense to average assets | 2.1050% | 3,409 |
| Loan and lease loss provision to assets | 0.1332% | 1,021 |
| Net operating income to assets | 1.3822% | 1,613 |
| Return on assets (ROA) | 1.3822% | 1,696 |
| Pretax return on assets | 1.3822% | 2,332 |
| Return on Equity (ROE) | 15.5562% | 1,100 |
| Retained earnings to average equity (ytd only) | 15.5562% | 565 |
| Net charge-offs to loans | 0.5413% | 148 |
| Credit loss provision to net charge-offs | 39.6040% | 1,355 |
| Earnings coverage of net charge-offs (x) | 4.5050% | 1,728 |
| Efficiency ratio | 58.1417% | 3,278 |
| Assets per employee ($millions) | 9.0058% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,984 |
| Loan loss allowance to noncurrent loans | 460.4278% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 3,024 |
| Noncurrent loans to loans | 0.2585% | 3,182 |
| Net loans and leases to total assets | 61.0429% | 2,399 |
| Net loans and leases to deposits | 67.3928% | 2,769 |
| Net loans and leases to core deposits | 82.9024% | 1,763 |
| Total domestic deposits to total assets | 90.5778% | 557 |
| Equity capital to assets | 9.1599% | 3,536 |
| Core capital (leverage) ratio | 9.3515% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2229% | 2,200 |
| Memoranda: | ||
| Average total assets | $120,097,500 | 3,859 |
| Average earning assets | $111,117,000 | 3,857 |
| Average equity | $10,671,000 | 4,151 |
| Average total loans | $74,640,000 | 3,660 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0166% | 470 |
| Cost of funding earning assets | 1.1163% | 376 |
| Net interest margin | 3.9003% | 1,211 |
| Noninterest income to average assets | 0.2005% | 4,274 |
| Noninterest expense to average assets | 1.9407% | 4,249 |
| Loan and lease loss provision to assets | 0.3651% | 916 |
| Net operating income to assets | 1.5172% | 776 |
| Return on assets (ROA) | 1.5172% | 842 |
| Pretax return on assets | 1.5172% | 1,277 |
| Return on Equity (ROE) | 16.0973% | 493 |
| Retained earnings to average equity (ytd only) | -9.1744% | 4,903 |
| Net charge-offs to loans | 0.5467% | 279 |
| Credit loss provision to net charge-offs | 92.3890% | 2,911 |
| Earnings coverage of net charge-offs (x) | 4.7632% | 2,940 |
| Efficiency ratio | 50.7649% | 4,484 |
| Assets per employee ($millions) | 10.2600% | 485 |
| Cash dividends to net income (ytd only)* | 156.9934% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,953 |
| Loan loss allowance to noncurrent loans | 164.5276% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 1,994 |
| Noncurrent loans to loans | 0.7290% | 1,884 |
| Net loans and leases to total assets | 61.7528% | 2,643 |
| Net loans and leases to deposits | 67.7883% | 3,099 |
| Net loans and leases to core deposits | 83.2512% | 2,103 |
| Total domestic deposits to total assets | 91.0965% | 204 |
| Equity capital to assets | 8.6241% | 4,356 |
| Core capital (leverage) ratio | 9.0235% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9421% | 2,650 |
| Memoranda: | ||
| Average total assets | $119,698,000 | 3,752 |
| Average earning assets | $111,170,800 | 3,748 |
| Average equity | $11,281,400 | 4,047 |
| Average total loans | $86,518,000 | 3,460 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2687% | 362 |
| Cost of funding earning assets | 1.2065% | 362 |
| Net interest margin | 4.0622% | 971 |
| Noninterest income to average assets | 0.2176% | 4,184 |
| Noninterest expense to average assets | 1.9443% | 4,262 |
| Loan and lease loss provision to assets | 0.4569% | 695 |
| Net operating income to assets | 1.6054% | 717 |
| Return on assets (ROA) | 1.6054% | 786 |
| Pretax return on assets | 1.6054% | 1,170 |
| Return on Equity (ROE) | 16.6673% | 477 |
| Retained earnings to average equity (ytd only) | -10.7156% | 4,938 |
| Net charge-offs to loans | 0.5429% | 274 |
| Credit loss provision to net charge-offs | 112.4309% | 2,534 |
| Earnings coverage of net charge-offs (x) | 5.0773% | 2,764 |
| Efficiency ratio | 48.5298% | 4,579 |
| Assets per employee ($millions) | 7.8383% | 1,061 |
| Cash dividends to net income (ytd only)* | 164.2907% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,475 |
| Loan loss allowance to noncurrent loans | 99.4059% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8590% | 1,353 |
| Noncurrent loans to loans | 1.2417% | 1,222 |
| Net loans and leases to total assets | 68.3292% | 2,189 |
| Net loans and leases to deposits | 75.5099% | 2,797 |
| Net loans and leases to core deposits | 95.3114% | 1,523 |
| Total domestic deposits to total assets | 90.4903% | 287 |
| Equity capital to assets | 9.2128% | 3,943 |
| Core capital (leverage) ratio | 9.0045% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5215% | 2,784 |
| Memoranda: | ||
| Average total assets | $118,842,500 | 3,756 |
| Average earning assets | $110,839,750 | 3,738 |
| Average equity | $11,447,250 | 4,046 |
| Average total loans | $88,909,250 | 3,434 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8413% | 177 |
| Cost of funding earning assets | 1.2931% | 370 |
| Net interest margin | 4.5482% | 456 |
| Noninterest income to average assets | 0.1828% | 4,368 |
| Noninterest expense to average assets | 2.0224% | 4,189 |
| Loan and lease loss provision to assets | 0.6657% | 433 |
| Net operating income to assets | 1.7356% | 578 |
| Return on assets (ROA) | 1.7356% | 628 |
| Pretax return on assets | 1.7356% | 921 |
| Return on Equity (ROE) | 17.7647% | 388 |
| Retained earnings to average equity (ytd only) | -2.8321% | 4,644 |
| Net charge-offs to loans | 0.4003% | 395 |
| Credit loss provision to net charge-offs | 216.9399% | 1,850 |
| Earnings coverage of net charge-offs (x) | 7.8251% | 2,338 |
| Efficiency ratio | 45.7165% | 4,739 |
| Assets per employee ($millions) | 7.2021% | 1,329 |
| Cash dividends to net income (ytd only)* | 115.9420% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 1,664 |
| Loan loss allowance to noncurrent loans | 83.9771% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.1418% | 978 |
| Noncurrent loans to loans | 1.6406% | 894 |
| Net loans and leases to total assets | 68.6381% | 2,241 |
| Net loans and leases to deposits | 76.0254% | 2,862 |
| Net loans and leases to core deposits | 96.5199% | 1,535 |
| Total domestic deposits to total assets | 90.2830% | 326 |
| Equity capital to assets | 9.4319% | 3,721 |
| Core capital (leverage) ratio | 9.6223% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2143% | 2,517 |
| Memoranda: | ||
| Average total assets | $119,265,000 | 3,731 |
| Average earning assets | $111,207,667 | 3,720 |
| Average equity | $11,652,333 | 4,026 |
| Average total loans | $91,431,667 | 3,388 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5899% | 310 |
| Cost of funding earning assets | 1.3792% | 435 |
| Net interest margin | 4.2107% | 900 |
| Noninterest income to average assets | 0.1801% | 4,462 |
| Noninterest expense to average assets | 1.8559% | 4,600 |
| Loan and lease loss provision to assets | 0.3977% | 769 |
| Net operating income to assets | 1.8389% | 379 |
| Return on assets (ROA) | 1.8389% | 423 |
| Pretax return on assets | 1.8389% | 646 |
| Return on Equity (ROE) | 18.4886% | 234 |
| Retained earnings to average equity (ytd only) | 1.4012% | 3,633 |
| Net charge-offs to loans | 0.7785% | 197 |
| Credit loss provision to net charge-offs | 63.5870% | 2,003 |
| Earnings coverage of net charge-offs (x) | 3.5761% | 2,204 |
| Efficiency ratio | 45.3488% | 4,849 |
| Assets per employee ($millions) | 7.3660% | 943 |
| Cash dividends to net income (ytd only)* | 92.4214% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 3,832 |
| Loan loss allowance to noncurrent loans | 23.7550% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 3.2217% | 169 |
| Noncurrent loans to loans | 4.0974% | 186 |
| Net loans and leases to total assets | 77.0016% | 1,131 |
| Net loans and leases to deposits | 85.8393% | 2,023 |
| Net loans and leases to core deposits | 108.1850% | 940 |
| Total domestic deposits to total assets | 89.7044% | 417 |
| Equity capital to assets | 9.9969% | 3,789 |
| Core capital (leverage) ratio | 9.9708% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2425% | 2,595 |
| Memoranda: | ||
| Average total assets | $117,680,000 | 3,736 |
| Average earning assets | $109,341,000 | 3,724 |
| Average equity | $11,704,500 | 4,034 |
| Average total loans | $94,542,000 | 3,309 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7470% | 365 |
| Cost of funding earning assets | 1.3925% | 579 |
| Net interest margin | 4.3545% | 976 |
| Noninterest income to average assets | 0.1955% | 4,489 |
| Noninterest expense to average assets | 2.0382% | 4,470 |
| Loan and lease loss provision to assets | 0.3792% | 392 |
| Net operating income to assets | 1.7964% | 522 |
| Return on assets (ROA) | 1.7964% | 556 |
| Pretax return on assets | 1.7964% | 948 |
| Return on Equity (ROE) | 18.4333% | 309 |
| Retained earnings to average equity (ytd only) | 7.1935% | 1,314 |
| Net charge-offs to loans | 0.4795% | 394 |
| Credit loss provision to net charge-offs | 91.0931% | 2,639 |
| Earnings coverage of net charge-offs (x) | 5.2267% | 3,116 |
| Efficiency ratio | 48.3703% | 4,810 |
| Assets per employee ($millions) | 6.9120% | 1,076 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 3,595 |
| Loan loss allowance to noncurrent loans | 21.6723% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 3.8016% | 111 |
| Noncurrent loans to loans | 4.5412% | 124 |
| Net loans and leases to total assets | 82.1095% | 546 |
| Net loans and leases to deposits | 91.4088% | 1,442 |
| Net loans and leases to core deposits | 111.7841% | 762 |
| Total domestic deposits to total assets | 89.8267% | 381 |
| Equity capital to assets | 9.8950% | 4,015 |
| Core capital (leverage) ratio | 10.0124% | 3,505 |
| Tier 1 risk-based capital ratio | 11.2014% | 4,772 |
| Total risk-based capital ratio | 12.1253% | 4,807 |
| Memoranda: | ||
| Average total assets | $118,683,400 | 3,723 |
| Average earning assets | $109,518,200 | 3,718 |
| Average equity | $11,566,000 | 4,046 |
| Average total loans | $103,030,800 | 3,186 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7587% | 380 |
| Cost of funding earning assets | 1.3832% | 605 |
| Net interest margin | 4.3754% | 997 |
| Noninterest income to average assets | 0.1210% | 4,915 |
| Noninterest expense to average assets | 1.7650% | 4,859 |
| Loan and lease loss provision to assets | 0.3362% | 406 |
| Net operating income to assets | 2.0608% | 352 |
| Return on assets (ROA) | 2.0608% | 364 |
| Pretax return on assets | 2.0608% | 600 |
| Return on Equity (ROE) | 21.2275% | 189 |
| Retained earnings to average equity (ytd only) | 13.7246% | 217 |
| Net charge-offs to loans | 0.3537% | 481 |
| Credit loss provision to net charge-offs | 108.3032% | 2,115 |
| Earnings coverage of net charge-offs (x) | 7.7221% | 2,720 |
| Efficiency ratio | 42.4071% | 5,067 |
| Assets per employee ($millions) | 6.7594% | 1,129 |
| Cash dividends to net income (ytd only)* | 35.3455% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,446 |
| Loan loss allowance to noncurrent loans | 20.5941% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 4.7289% | 84 |
| Noncurrent loans to loans | 4.9651% | 105 |
| Net loans and leases to total assets | 86.4285% | 166 |
| Net loans and leases to deposits | 96.7012% | 926 |
| Net loans and leases to core deposits | 120.1314% | 533 |
| Total domestic deposits to total assets | 89.3769% | 486 |
| Equity capital to assets | 10.4308% | 3,611 |
| Core capital (leverage) ratio | 10.2608% | 3,353 |
| Tier 1 risk-based capital ratio | 11.1398% | 4,847 |
| Total risk-based capital ratio | 12.0936% | 4,873 |
| Memoranda: | ||
| Average total assets | $118,978,250 | 3,760 |
| Average earning assets | $109,884,000 | 3,752 |
| Average equity | $11,550,750 | 4,090 |
| Average total loans | $104,428,250 | 3,200 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6278% | 449 |
| Cost of funding earning assets | 1.3352% | 668 |
| Net interest margin | 4.2926% | 1,158 |
| Noninterest income to average assets | 0.1097% | 4,998 |
| Noninterest expense to average assets | 1.8496% | 4,813 |
| Loan and lease loss provision to assets | 0.1662% | 1,093 |
| Net operating income to assets | 2.0474% | 357 |
| Return on assets (ROA) | 2.0474% | 372 |
| Pretax return on assets | 2.0474% | 622 |
| Return on Equity (ROE) | 21.6033% | 178 |
| Retained earnings to average equity (ytd only) | 18.9730% | 72 |
| Net charge-offs to loans | 0.5501% | 284 |
| Credit loss provision to net charge-offs | 34.3643% | 2,575 |
| Earnings coverage of net charge-offs (x) | 4.5773% | 2,725 |
| Efficiency ratio | 45.5215% | 5,007 |
| Assets per employee ($millions) | 7.6976% | 746 |
| Cash dividends to net income (ytd only)* | 12.1753% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7518% | 4,595 |
| Loan loss allowance to noncurrent loans | 22.5806% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 3.2867% | 162 |
| Noncurrent loans to loans | 3.3294% | 275 |
| Net loans and leases to total assets | 87.0366% | 152 |
| Net loans and leases to deposits | 96.4947% | 983 |
| Net loans and leases to core deposits | 117.3529% | 634 |
| Total domestic deposits to total assets | 90.1983% | 283 |
| Equity capital to assets | 9.6483% | 4,275 |
| Core capital (leverage) ratio | 10.2211% | 3,366 |
| Tier 1 risk-based capital ratio | 10.2858% | 5,174 |
| Total risk-based capital ratio | 10.9887% | 5,231 |
| Memoranda: | ||
| Average total assets | $120,348,000 | 3,753 |
| Average earning assets | $110,842,000 | 3,764 |
| Average equity | $11,405,670 | 4,119 |
| Average total loans | $105,790,670 | 3,199 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8991% | 260 |
| Cost of funding earning assets | 1.2964% | 665 |
| Net interest margin | 4.6027% | 606 |
| Noninterest income to average assets | 0.1244% | 4,985 |
| Noninterest expense to average assets | 1.8833% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5155% | 155 |
| Return on assets (ROA) | 2.5155% | 165 |
| Pretax return on assets | 2.5155% | 240 |
| Return on Equity (ROE) | 26.7932% | 78 |
| Retained earnings to average equity (ytd only) | 26.7932% | 39 |
| Net charge-offs to loans | 0.0038% | 2,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 748.0000% | 91 |
| Efficiency ratio | 42.8135% | 5,139 |
| Assets per employee ($millions) | 6.8854% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 3,898 |
| Loan loss allowance to noncurrent loans | 25.7907% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 3.3225% | 166 |
| Noncurrent loans to loans | 3.7446% | 227 |
| Net loans and leases to total assets | 87.8695% | 104 |
| Net loans and leases to deposits | 97.6233% | 826 |
| Net loans and leases to core deposits | 120.1778% | 525 |
| Total domestic deposits to total assets | 90.0087% | 445 |
| Equity capital to assets | 9.8614% | 3,956 |
| Core capital (leverage) ratio | 9.9952% | 3,608 |
| Tier 1 risk-based capital ratio | 10.4463% | 5,187 |
| Total risk-based capital ratio | 11.3541% | 5,214 |
| Memoranda: | ||
| Average total assets | $118,941,000 | 3,821 |
| Average earning assets | $110,457,500 | 3,805 |
| Average equity | $11,167,000 | 4,172 |
| Average total loans | $104,682,000 | 3,244 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6350% | 311 |
| Cost of funding earning assets | 1.1312% | 455 |
| Net interest margin | 4.5038% | 757 |
| Noninterest income to average assets | 0.1393% | 5,011 |
| Noninterest expense to average assets | 2.3336% | 4,035 |
| Loan and lease loss provision to assets | 0.1591% | 1,296 |
| Net operating income to assets | 1.8710% | 478 |
| Return on assets (ROA) | 1.8710% | 473 |
| Pretax return on assets | 1.8710% | 764 |
| Return on Equity (ROE) | 21.0645% | 194 |
| Retained earnings to average equity (ytd only) | 11.3841% | 385 |
| Net charge-offs to loans | 0.0532% | 2,393 |
| Credit loss provision to net charge-offs | 342.5926% | 915 |
| Earnings coverage of net charge-offs (x) | 43.7222% | 1,234 |
| Efficiency ratio | 53.4778% | 4,662 |
| Assets per employee ($millions) | 7.5519% | 781 |
| Cash dividends to net income (ytd only)* | 45.9559% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 3,955 |
| Loan loss allowance to noncurrent loans | 75.5840% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.0982% | 1,224 |
| Noncurrent loans to loans | 1.2577% | 1,266 |
| Net loans and leases to total assets | 86.4893% | 208 |
| Net loans and leases to deposits | 95.1066% | 1,162 |
| Net loans and leases to core deposits | 115.8643% | 692 |
| Total domestic deposits to total assets | 90.9393% | 221 |
| Equity capital to assets | 8.9307% | 4,632 |
| Core capital (leverage) ratio | 9.0553% | 4,599 |
| Tier 1 risk-based capital ratio | 9.9139% | 5,330 |
| Total risk-based capital ratio | 10.8350% | 5,337 |
| Memoranda: | ||
| Average total assets | $116,299,000 | 3,846 |
| Average earning assets | $109,085,400 | 3,819 |
| Average equity | $10,330,200 | 4,260 |
| Average total loans | $101,522,800 | 3,266 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5508% | 325 |
| Cost of funding earning assets | 1.0727% | 446 |
| Net interest margin | 4.4781% | 778 |
| Noninterest income to average assets | 0.1389% | 5,077 |
| Noninterest expense to average assets | 2.0573% | 4,635 |
| Loan and lease loss provision to assets | 0.2142% | 782 |
| Net operating income to assets | 2.0769% | 325 |
| Return on assets (ROA) | 2.0769% | 322 |
| Pretax return on assets | 2.0769% | 513 |
| Return on Equity (ROE) | 23.4160% | 118 |
| Retained earnings to average equity (ytd only) | 23.4160% | 29 |
| Net charge-offs to loans | 0.0226% | 2,690 |
| Credit loss provision to net charge-offs | 1,088.2353% | 386 |
| Earnings coverage of net charge-offs (x) | 116.3917% | 672 |
| Efficiency ratio | 47.3110% | 5,084 |
| Assets per employee ($millions) | 6.9359% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 3,415 |
| Loan loss allowance to noncurrent loans | 157.0997% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 2,508 |
| Noncurrent loans to loans | 0.6746% | 2,391 |
| Net loans and leases to total assets | 82.3443% | 654 |
| Net loans and leases to deposits | 91.3344% | 1,717 |
| Net loans and leases to core deposits | 125.4772% | 425 |
| Total domestic deposits to total assets | 90.1570% | 458 |
| Equity capital to assets | 9.5173% | 4,065 |
| Core capital (leverage) ratio | 9.8980% | 3,746 |
| Tier 1 risk-based capital ratio | 10.7895% | 5,136 |
| Total risk-based capital ratio | 11.7727% | 5,149 |
| Memoranda: | ||
| Average total assets | $115,166,250 | 3,907 |
| Average earning assets | $108,257,750 | 3,870 |
| Average equity | $10,215,000 | 4,316 |
| Average total loans | $100,526,500 | 3,317 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4185% | 373 |
| Cost of funding earning assets | 1.0161% | 437 |
| Net interest margin | 4.4024% | 844 |
| Noninterest income to average assets | 0.1593% | 5,031 |
| Noninterest expense to average assets | 2.2127% | 4,341 |
| Loan and lease loss provision to assets | 0.0875% | 2,170 |
| Net operating income to assets | 2.0079% | 377 |
| Return on assets (ROA) | 2.0079% | 372 |
| Pretax return on assets | 2.0079% | 596 |
| Return on Equity (ROE) | 23.3526% | 117 |
| Retained earnings to average equity (ytd only) | 23.3526% | 34 |
| Net charge-offs to loans | 0.0039% | 3,038 |
| Credit loss provision to net charge-offs | 2,500.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 598.5000% | 143 |
| Efficiency ratio | 51.3612% | 4,944 |
| Assets per employee ($millions) | 7.2794% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 4,368 |
| Loan loss allowance to noncurrent loans | 185.1107% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 2,659 |
| Noncurrent loans to loans | 0.4827% | 2,989 |
| Net loans and leases to total assets | 87.6174% | 158 |
| Net loans and leases to deposits | 96.6739% | 1,078 |
| Net loans and leases to core deposits | 116.8346% | 674 |
| Total domestic deposits to total assets | 90.6319% | 354 |
| Equity capital to assets | 8.9319% | 4,609 |
| Core capital (leverage) ratio | 9.4839% | 4,132 |
| Tier 1 risk-based capital ratio | 9.8850% | 5,451 |
| Total risk-based capital ratio | 10.7298% | 5,479 |
| Memoranda: | ||
| Average total assets | $114,251,330 | 3,948 |
| Average earning assets | $107,667,330 | 3,919 |
| Average equity | $9,823,330 | 4,403 |
| Average total loans | $101,324,330 | 3,316 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3057% | 403 |
| Cost of funding earning assets | 0.9786% | 413 |
| Net interest margin | 4.3270% | 911 |
| Noninterest income to average assets | 0.1662% | 5,025 |
| Noninterest expense to average assets | 2.2485% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9975% | 377 |
| Return on assets (ROA) | 1.9975% | 375 |
| Pretax return on assets | 1.9975% | 572 |
| Return on Equity (ROE) | 23.7059% | 113 |
| Retained earnings to average equity (ytd only) | 23.7059% | 60 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9559% | 4,886 |
| Assets per employee ($millions) | 6.9414% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 4,598 |
| Loan loss allowance to noncurrent loans | 429.0640% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 3,709 |
| Noncurrent loans to loans | 0.2006% | 4,069 |
| Net loans and leases to total assets | 90.3460% | 56 |
| Net loans and leases to deposits | 100.2117% | 690 |
| Net loans and leases to core deposits | 120.7546% | 565 |
| Total domestic deposits to total assets | 90.1551% | 599 |
| Equity capital to assets | 8.8391% | 4,714 |
| Core capital (leverage) ratio | 9.1166% | 4,548 |
| Tier 1 risk-based capital ratio | 9.5426% | 5,554 |
| Total risk-based capital ratio | 10.3588% | 5,576 |
| Memoranda: | ||
| Average total assets | $113,142,000 | 4,008 |
| Average earning assets | $106,678,000 | 3,975 |
| Average equity | $9,533,500 | 4,500 |
| Average total loans | $100,502,500 | 3,349 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9520% | 708 |
| Cost of funding earning assets | 0.7682% | 742 |
| Net interest margin | 4.1837% | 1,224 |
| Noninterest income to average assets | 0.1725% | 5,094 |
| Noninterest expense to average assets | 2.2744% | 4,401 |
| Loan and lease loss provision to assets | 0.3165% | 535 |
| Net operating income to assets | 1.5037% | 799 |
| Return on assets (ROA) | 1.5037% | 810 |
| Pretax return on assets | 1.5037% | 1,631 |
| Return on Equity (ROE) | 16.3952% | 439 |
| Retained earnings to average equity (ytd only) | -19.3662% | 5,615 |
| Net charge-offs to loans | 0.4405% | 551 |
| Credit loss provision to net charge-offs | 85.8209% | 2,854 |
| Earnings coverage of net charge-offs (x) | 4.9353% | 3,397 |
| Efficiency ratio | 55.5456% | 4,808 |
| Assets per employee ($millions) | 7.2013% | 884 |
| Cash dividends to net income (ytd only)* | 218.1208% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 4,581 |
| Loan loss allowance to noncurrent loans | 271.6511% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 3,778 |
| Noncurrent loans to loans | 0.3217% | 3,618 |
| Net loans and leases to total assets | 85.8533% | 266 |
| Net loans and leases to deposits | 93.8316% | 1,296 |
| Net loans and leases to core deposits | 109.3968% | 1,041 |
| Total domestic deposits to total assets | 91.4972% | 139 |
| Equity capital to assets | 8.0281% | 5,384 |
| Core capital (leverage) ratio | 8.7126% | 4,940 |
| Tier 1 risk-based capital ratio | 9.2408% | 5,621 |
| Total risk-based capital ratio | 10.0785% | 5,635 |
| Memoranda: | ||
| Average total assets | $108,996,800 | 4,081 |
| Average earning assets | $102,181,400 | 4,059 |
| Average equity | $9,996,800 | 4,447 |
| Average total loans | $91,252,400 | 3,502 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8833% | 784 |
| Cost of funding earning assets | 0.7247% | 867 |
| Net interest margin | 4.1586% | 1,258 |
| Noninterest income to average assets | 0.1737% | 5,146 |
| Noninterest expense to average assets | 2.2337% | 4,459 |
| Loan and lease loss provision to assets | 0.4281% | 309 |
| Net operating income to assets | 1.3998% | 1,090 |
| Return on assets (ROA) | 1.3998% | 1,114 |
| Pretax return on assets | 1.3998% | 2,118 |
| Return on Equity (ROE) | 14.7686% | 685 |
| Retained earnings to average equity (ytd only) | -20.5818% | 5,682 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9954% | 4,848 |
| Assets per employee ($millions) | 6.4081% | 1,243 |
| Cash dividends to net income (ytd only)* | 239.3621% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,966 |
| Loan loss allowance to noncurrent loans | 173.0978% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 2,471 |
| Noncurrent loans to loans | 0.7984% | 2,360 |
| Net loans and leases to total assets | 83.4493% | 492 |
| Net loans and leases to deposits | 92.0681% | 1,559 |
| Net loans and leases to core deposits | 108.2431% | 1,125 |
| Total domestic deposits to total assets | 90.6387% | 282 |
| Equity capital to assets | 8.8289% | 5,053 |
| Core capital (leverage) ratio | 8.6279% | 5,127 |
| Tier 1 risk-based capital ratio | 9.7323% | 5,644 |
| Total risk-based capital ratio | 10.9836% | 5,616 |
| Memoranda: | ||
| Average total assets | $107,440,750 | 4,150 |
| Average earning assets | $100,448,750 | 4,127 |
| Average equity | $10,183,500 | 4,466 |
| Average total loans | $89,117,250 | 3,575 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 954 |
| Cost of funding earning assets | 0.6443% | 1,177 |
| Net interest margin | 4.1124% | 1,296 |
| Noninterest income to average assets | 0.1814% | 5,147 |
| Noninterest expense to average assets | 1.9562% | 5,066 |
| Loan and lease loss provision to assets | 0.6452% | 173 |
| Net operating income to assets | 1.4475% | 955 |
| Return on assets (ROA) | 1.4475% | 982 |
| Pretax return on assets | 1.4475% | 1,831 |
| Return on Equity (ROE) | 14.9248% | 671 |
| Retained earnings to average equity (ytd only) | -13.9992% | 5,697 |
| Net charge-offs to loans | 0.0023% | 3,434 |
| Credit loss provision to net charge-offs | 34,500.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 1,119.0000% | 59 |
| Efficiency ratio | 48.3141% | 5,383 |
| Assets per employee ($millions) | 6.7090% | 1,050 |
| Cash dividends to net income (ytd only)* | 193.7984% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 1,910 |
| Loan loss allowance to noncurrent loans | 178.7921% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 2,327 |
| Noncurrent loans to loans | 0.7887% | 2,434 |
| Net loans and leases to total assets | 82.9147% | 565 |
| Net loans and leases to deposits | 92.8905% | 1,372 |
| Net loans and leases to core deposits | 106.8411% | 1,171 |
| Total domestic deposits to total assets | 89.2607% | 824 |
| Equity capital to assets | 9.7453% | 4,178 |
| Core capital (leverage) ratio | 10.2202% | 3,246 |
| Tier 1 risk-based capital ratio | 11.6704% | 4,858 |
| Total risk-based capital ratio | 12.9217% | 4,737 |
| Memoranda: | ||
| Average total assets | $106,941,670 | 4,187 |
| Average earning assets | $100,575,000 | 4,154 |
| Average equity | $10,372,000 | 4,456 |
| Average total loans | $88,095,670 | 3,616 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 999 |
| Cost of funding earning assets | 0.5882% | 1,453 |
| Net interest margin | 4.0776% | 1,276 |
| Noninterest income to average assets | 0.1761% | 5,220 |
| Noninterest expense to average assets | 1.9936% | 5,065 |
| Loan and lease loss provision to assets | 0.5059% | 203 |
| Net operating income to assets | 1.5214% | 777 |
| Return on assets (ROA) | 1.5214% | 802 |
| Pretax return on assets | 1.5214% | 1,467 |
| Return on Equity (ROE) | 15.7250% | 563 |
| Retained earnings to average equity (ytd only) | -42.3723% | 5,815 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5806% | 5,397 |
| Assets per employee ($millions) | 6.4945% | 1,191 |
| Cash dividends to net income (ytd only)* | 369.4581% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,946 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 2,438 |
| Noncurrent loans to loans | 0.7900% | 2,478 |
| Net loans and leases to total assets | 82.2994% | 536 |
| Net loans and leases to deposits | 93.1651% | 1,204 |
| Net loans and leases to core deposits | 106.4689% | 1,067 |
| Total domestic deposits to total assets | 88.3372% | 1,517 |
| Equity capital to assets | 9.4003% | 4,390 |
| Core capital (leverage) ratio | 9.7971% | 3,759 |
| Tier 1 risk-based capital ratio | 11.7912% | 4,854 |
| Total risk-based capital ratio | 12.9906% | 4,792 |
| Memoranda: | ||
| Average total assets | $106,740,500 | 4,232 |
| Average earning assets | $100,648,500 | 4,195 |
| Average equity | $10,327,500 | 4,491 |
| Average total loans | $87,005,000 | 3,665 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 2,928 |
| Cost of funding earning assets | 0.5168% | 1,963 |
| Net interest margin | 3.5649% | 3,206 |
| Noninterest income to average assets | 0.1379% | 5,501 |
| Noninterest expense to average assets | 1.9200% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6073% | 668 |
| Return on assets (ROA) | 1.6073% | 694 |
| Pretax return on assets | 1.6073% | 1,259 |
| Return on Equity (ROE) | 16.7583% | 431 |
| Retained earnings to average equity (ytd only) | 11.9344% | 224 |
| Net charge-offs to loans | -0.2066% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4334% | 5,208 |
| Assets per employee ($millions) | 6.8481% | 985 |
| Cash dividends to net income (ytd only)* | 28.7853% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 3,936 |
| Loan loss allowance to noncurrent loans | 402.1645% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 4,100 |
| Noncurrent loans to loans | 0.2642% | 4,206 |
| Net loans and leases to total assets | 78.9439% | 1,052 |
| Net loans and leases to deposits | 91.1820% | 1,550 |
| Net loans and leases to core deposits | 104.0953% | 1,272 |
| Total domestic deposits to total assets | 86.5783% | 2,342 |
| Equity capital to assets | 9.9362% | 3,784 |
| Core capital (leverage) ratio | 11.1137% | 2,243 |
| Tier 1 risk-based capital ratio | 12.7340% | 4,254 |
| Total risk-based capital ratio | 13.7578% | 4,262 |
| Memoranda: | ||
| Average total assets | $108,072,600 | 4,205 |
| Average earning assets | $102,750,600 | 4,143 |
| Average equity | $10,365,000 | 4,513 |
| Average total loans | $80,349,800 | 3,796 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 3,158 |
| Cost of funding earning assets | 0.5075% | 2,045 |
| Net interest margin | 3.5095% | 3,431 |
| Noninterest income to average assets | 0.1226% | 5,634 |
| Noninterest expense to average assets | 1.8558% | 5,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6143% | 713 |
| Return on assets (ROA) | 1.6143% | 751 |
| Pretax return on assets | 1.6143% | 1,344 |
| Return on Equity (ROE) | 16.9878% | 447 |
| Retained earnings to average equity (ytd only) | 10.4741% | 493 |
| Net charge-offs to loans | -0.0882% | 5,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4784% | 5,273 |
| Assets per employee ($millions) | 6.4619% | 1,133 |
| Cash dividends to net income (ytd only)* | 38.3436% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 4,204 |
| Loan loss allowance to noncurrent loans | 382.6291% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 4,255 |
| Noncurrent loans to loans | 0.2709% | 4,292 |
| Net loans and leases to total assets | 75.2723% | 1,658 |
| Net loans and leases to deposits | 84.5215% | 2,424 |
| Net loans and leases to core deposits | 96.0043% | 1,987 |
| Total domestic deposits to total assets | 89.0570% | 875 |
| Equity capital to assets | 10.1190% | 4,017 |
| Core capital (leverage) ratio | 10.7200% | 2,764 |
| Tier 1 risk-based capital ratio | 13.6173% | 3,789 |
| Total risk-based capital ratio | 14.6153% | 3,858 |
| Memoranda: | ||
| Average total assets | $107,698,500 | 4,242 |
| Average earning assets | $102,727,500 | 4,172 |
| Average equity | $10,234,500 | 4,577 |
| Average total loans | $78,580,500 | 3,863 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,561 |
| Cost of funding earning assets | 0.4893% | 2,195 |
| Net interest margin | 3.4251% | 3,776 |
| Noninterest income to average assets | 0.1319% | 5,656 |
| Noninterest expense to average assets | 1.8931% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5229% | 857 |
| Return on assets (ROA) | 1.5229% | 902 |
| Pretax return on assets | 1.5229% | 1,606 |
| Return on Equity (ROE) | 16.2633% | 506 |
| Retained earnings to average equity (ytd only) | 16.2633% | 108 |
| Net charge-offs to loans | -0.1604% | 5,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4185% | 5,207 |
| Assets per employee ($millions) | 6.5164% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 4,270 |
| Loan loss allowance to noncurrent loans | 375.4545% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 4,654 |
| Noncurrent loans to loans | 0.2775% | 4,374 |
| Net loans and leases to total assets | 75.2376% | 1,609 |
| Net loans and leases to deposits | 84.3776% | 2,424 |
| Net loans and leases to core deposits | 95.0630% | 2,058 |
| Total domestic deposits to total assets | 89.1678% | 836 |
| Equity capital to assets | 10.2050% | 3,969 |
| Core capital (leverage) ratio | 10.0546% | 3,504 |
| Tier 1 risk-based capital ratio | 13.6518% | 3,799 |
| Total risk-based capital ratio | 14.7126% | 3,840 |
| Memoranda: | ||
| Average total assets | $109,134,670 | 4,243 |
| Average earning assets | $104,640,000 | 4,160 |
| Average equity | $10,219,330 | 4,607 |
| Average total loans | $78,561,000 | 3,880 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 4,055 |
| Cost of funding earning assets | 0.4687% | 2,379 |
| Net interest margin | 3.3035% | 4,208 |
| Noninterest income to average assets | 0.1291% | 5,698 |
| Noninterest expense to average assets | 1.8141% | 5,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4986% | 855 |
| Return on assets (ROA) | 1.4986% | 898 |
| Pretax return on assets | 1.4986% | 1,592 |
| Return on Equity (ROE) | 16.7050% | 467 |
| Retained earnings to average equity (ytd only) | 16.7050% | 168 |
| Net charge-offs to loans | 0.0102% | 2,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 293 |
| Efficiency ratio | 54.7619% | 5,307 |
| Assets per employee ($millions) | 7.2011% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 4,831 |
| Loan loss allowance to noncurrent loans | 163.3047% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 3,859 |
| Noncurrent loans to loans | 0.5835% | 3,440 |
| Net loans and leases to total assets | 73.2308% | 1,843 |
| Net loans and leases to deposits | 81.3813% | 2,619 |
| Net loans and leases to core deposits | 91.5277% | 2,231 |
| Total domestic deposits to total assets | 89.9848% | 604 |
| Equity capital to assets | 9.4699% | 4,693 |
| Core capital (leverage) ratio | 9.3846% | 4,371 |
| Tier 1 risk-based capital ratio | 12.5655% | 4,538 |
| Total risk-based capital ratio | 13.4998% | 4,653 |
| Memoranda: | ||
| Average total assets | $111,570,500 | 4,229 |
| Average earning assets | $107,523,000 | 4,139 |
| Average equity | $10,009,000 | 4,659 |
| Average total loans | $78,206,000 | 3,909 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 4,504 |
| Cost of funding earning assets | 0.4327% | 2,819 |
| Net interest margin | 3.2214% | 4,552 |
| Noninterest income to average assets | 0.9258% | 1,363 |
| Noninterest expense to average assets | 1.9634% | 5,523 |
| Loan and lease loss provision to assets | 0.1463% | 1,617 |
| Net operating income to assets | 1.8266% | 465 |
| Return on assets (ROA) | 1.8240% | 477 |
| Pretax return on assets | 1.8240% | 769 |
| Return on Equity (ROE) | 22.1151% | 170 |
| Retained earnings to average equity (ytd only) | 8.5540% | 765 |
| Net charge-offs to loans | -0.0646% | 5,639 |
| Credit loss provision to net charge-offs | -346.9388% | 5,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8798% | 5,765 |
| Assets per employee ($millions) | 7.6750% | 638 |
| Cash dividends to net income (ytd only)* | 61.3208% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 4,639 |
| Loan loss allowance to noncurrent loans | 172.2348% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 3,713 |
| Noncurrent loans to loans | 0.5787% | 3,433 |
| Net loans and leases to total assets | 65.8302% | 3,007 |
| Net loans and leases to deposits | 72.3324% | 3,681 |
| Net loans and leases to core deposits | 79.9348% | 3,353 |
| Total domestic deposits to total assets | 91.0106% | 278 |
| Equity capital to assets | 8.5029% | 5,560 |
| Core capital (leverage) ratio | 8.6138% | 5,319 |
| Tier 1 risk-based capital ratio | 11.3957% | 5,316 |
| Total risk-based capital ratio | 12.3346% | 5,380 |
| Memoranda: | ||
| Average total assets | $116,226,600 | 4,131 |
| Average earning assets | $108,618,600 | 4,087 |
| Average equity | $9,586,200 | 4,729 |
| Average total loans | $75,845,400 | 3,949 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 4,922 |
| Cost of funding earning assets | 0.4334% | 2,867 |
| Net interest margin | 3.0945% | 4,978 |
| Noninterest income to average assets | 1.2932% | 720 |
| Noninterest expense to average assets | 1.9833% | 5,512 |
| Loan and lease loss provision to assets | 0.1911% | 1,061 |
| Net operating income to assets | 1.9868% | 370 |
| Return on assets (ROA) | 1.9833% | 386 |
| Pretax return on assets | 1.9833% | 615 |
| Return on Equity (ROE) | 24.2317% | 125 |
| Retained earnings to average equity (ytd only) | 24.2317% | 46 |
| Net charge-offs to loans | -0.0846% | 5,730 |
| Credit loss provision to net charge-offs | -347.9167% | 5,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6623% | 5,887 |
| Assets per employee ($millions) | 6.3696% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,735 |
| Loan loss allowance to noncurrent loans | 117.3107% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 3,446 |
| Noncurrent loans to loans | 0.8541% | 2,838 |
| Net loans and leases to total assets | 69.2595% | 2,494 |
| Net loans and leases to deposits | 77.3133% | 3,166 |
| Net loans and leases to core deposits | 86.5566% | 2,792 |
| Total domestic deposits to total assets | 89.5829% | 737 |
| Equity capital to assets | 9.6395% | 4,589 |
| Core capital (leverage) ratio | 10.2722% | 3,279 |
| Tier 1 risk-based capital ratio | 14.1516% | 3,762 |
| Total risk-based capital ratio | 15.1079% | 3,877 |
| Memoranda: | ||
| Average total assets | $116,502,000 | 4,170 |
| Average earning assets | $107,975,250 | 4,144 |
| Average equity | $9,535,500 | 4,799 |
| Average total loans | $75,669,250 | 3,987 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5040% | 4,967 |
| Cost of funding earning assets | 0.4325% | 2,917 |
| Net interest margin | 3.0715% | 5,036 |
| Noninterest income to average assets | 1.8249% | 421 |
| Noninterest expense to average assets | 1.9003% | 5,707 |
| Loan and lease loss provision to assets | 0.2801% | 579 |
| Net operating income to assets | 2.4555% | 175 |
| Return on assets (ROA) | 2.4505% | 188 |
| Pretax return on assets | 2.4505% | 263 |
| Return on Equity (ROE) | 31.6416% | 52 |
| Retained earnings to average equity (ytd only) | 31.6416% | 26 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9913% | 6,182 |
| Assets per employee ($millions) | 6.0043% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 5,049 |
| Loan loss allowance to noncurrent loans | 88.8750% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 3,296 |
| Noncurrent loans to loans | 1.0829% | 2,483 |
| Net loans and leases to total assets | 64.1334% | 3,248 |
| Net loans and leases to deposits | 70.9841% | 3,826 |
| Net loans and leases to core deposits | 79.4933% | 3,443 |
| Total domestic deposits to total assets | 90.3490% | 516 |
| Equity capital to assets | 8.8902% | 5,349 |
| Core capital (leverage) ratio | 9.4039% | 4,410 |
| Tier 1 risk-based capital ratio | 13.7495% | 4,066 |
| Total risk-based capital ratio | 14.6415% | 4,211 |
| Memoranda: | ||
| Average total assets | $119,241,330 | 4,171 |
| Average earning assets | $109,131,670 | 4,169 |
| Average equity | $9,234,670 | 4,899 |
| Average total loans | $75,640,330 | 4,010 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2807% | 5,488 |
| Cost of funding earning assets | 0.4162% | 3,128 |
| Net interest margin | 2.8645% | 5,521 |
| Noninterest income to average assets | 0.1412% | 5,904 |
| Noninterest expense to average assets | 1.7665% | 5,940 |
| Loan and lease loss provision to assets | 0.1248% | 1,662 |
| Net operating income to assets | 0.9391% | 2,568 |
| Return on assets (ROA) | 0.9391% | 2,700 |
| Pretax return on assets | 0.9391% | 3,746 |
| Return on Equity (ROE) | 13.0281% | 1,083 |
| Retained earnings to average equity (ytd only) | 13.0281% | 442 |
| Net charge-offs to loans | -0.0470% | 5,491 |
| Credit loss provision to net charge-offs | -422.2222% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4130% | 4,728 |
| Assets per employee ($millions) | 6.3503% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 5,668 |
| Loan loss allowance to noncurrent loans | 81.7427% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 3,685 |
| Noncurrent loans to loans | 0.9949% | 2,775 |
| Net loans and leases to total assets | 59.7426% | 3,690 |
| Net loans and leases to deposits | 65.0299% | 4,265 |
| Net loans and leases to core deposits | 72.1320% | 3,948 |
| Total domestic deposits to total assets | 91.8694% | 164 |
| Equity capital to assets | 7.4501% | 6,189 |
| Core capital (leverage) ratio | 8.2976% | 5,727 |
| Tier 1 risk-based capital ratio | 12.1613% | 5,139 |
| Total risk-based capital ratio | 12.8959% | 5,377 |
| Memoranda: | ||
| Average total assets | $121,821,500 | 4,154 |
| Average earning assets | $114,365,000 | 4,093 |
| Average equity | $8,781,000 | 5,042 |
| Average total loans | $76,523,000 | 4,001 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1674% | 5,871 |
| Cost of funding earning assets | 0.5273% | 2,414 |
| Net interest margin | 2.6401% | 6,022 |
| Noninterest income to average assets | 0.0630% | 6,263 |
| Noninterest expense to average assets | 1.5934% | 6,245 |
| Loan and lease loss provision to assets | 0.8937% | 132 |
| Net operating income to assets | 0.0613% | 6,007 |
| Return on assets (ROA) | 0.0798% | 6,006 |
| Pretax return on assets | 0.0798% | 6,007 |
| Return on Equity (ROE) | 1.0541% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.0541% | 5,299 |
| Net charge-offs to loans | 1.5041% | 162 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 1.0686% | 4,501 |
| Efficiency ratio | 62.5247% | 4,828 |
| Assets per employee ($millions) | 7.6867% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 6,033 |
| Loan loss allowance to noncurrent loans | 23.0118% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 1.9222% | 1,339 |
| Noncurrent loans to loans | 2.9413% | 772 |
| Net loans and leases to total assets | 64.9077% | 3,069 |
| Net loans and leases to deposits | 70.3355% | 3,863 |
| Net loans and leases to core deposits | 77.6507% | 3,549 |
| Total domestic deposits to total assets | 92.2829% | 117 |
| Equity capital to assets | 6.9707% | 6,331 |
| Core capital (leverage) ratio | 8.0604% | 5,958 |
| Tier 1 risk-based capital ratio | 10.8526% | 5,963 |
| Total risk-based capital ratio | 11.4746% | 6,146 |
| Memoranda: | ||
| Average total assets | $119,054,800 | 4,201 |
| Average earning assets | $112,080,400 | 4,130 |
| Average equity | $9,012,200 | 4,972 |
| Average total loans | $70,741,200 | 4,159 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1492% | 5,956 |
| Cost of funding earning assets | 0.5488% | 2,304 |
| Net interest margin | 2.6003% | 6,136 |
| Noninterest income to average assets | 0.0689% | 6,333 |
| Noninterest expense to average assets | 1.4657% | 6,371 |
| Loan and lease loss provision to assets | 0.8289% | 144 |
| Net operating income to assets | 0.2247% | 5,799 |
| Return on assets (ROA) | 0.2496% | 5,797 |
| Pretax return on assets | 0.2496% | 5,864 |
| Return on Equity (ROE) | 3.2302% | 5,463 |
| Retained earnings to average equity (ytd only) | 3.2302% | 4,333 |
| Net charge-offs to loans | 1.4322% | 172 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 1.2711% | 4,193 |
| Efficiency ratio | 58.1802% | 5,418 |
| Assets per employee ($millions) | 7.0485% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 5,987 |
| Loan loss allowance to noncurrent loans | 51.3208% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 3,091 |
| Noncurrent loans to loans | 1.4661% | 2,216 |
| Net loans and leases to total assets | 63.6279% | 3,242 |
| Net loans and leases to deposits | 69.6501% | 3,961 |
| Net loans and leases to core deposits | 78.2093% | 3,516 |
| Total domestic deposits to total assets | 91.3537% | 267 |
| Equity capital to assets | 8.2225% | 5,998 |
| Core capital (leverage) ratio | 8.3660% | 5,790 |
| Tier 1 risk-based capital ratio | 12.1753% | 5,385 |
| Total risk-based capital ratio | 12.8639% | 5,648 |
| Memoranda: | ||
| Average total assets | $118,071,750 | 4,259 |
| Average earning assets | $111,264,750 | 4,186 |
| Average equity | $9,122,000 | 4,978 |
| Average total loans | $68,333,500 | 4,261 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0090% | 6,167 |
| Cost of funding earning assets | 0.5627% | 2,237 |
| Net interest margin | 2.4462% | 6,325 |
| Noninterest income to average assets | 0.0651% | 6,394 |
| Noninterest expense to average assets | 1.3602% | 6,498 |
| Loan and lease loss provision to assets | 1.0014% | 103 |
| Net operating income to assets | 0.0033% | 6,185 |
| Return on assets (ROA) | 0.0033% | 6,206 |
| Pretax return on assets | 0.0033% | 6,191 |
| Return on Equity (ROE) | 0.0441% | 6,203 |
| Retained earnings to average equity (ytd only) | 0.0441% | 5,661 |
| Net charge-offs to loans | 1.7908% | 136 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 1.0033% | 3,915 |
| Efficiency ratio | 57.5159% | 5,611 |
| Assets per employee ($millions) | 7.3663% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 5,980 |
| Loan loss allowance to noncurrent loans | 51.2241% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 3,070 |
| Noncurrent loans to loans | 1.5596% | 2,221 |
| Net loans and leases to total assets | 57.3141% | 4,077 |
| Net loans and leases to deposits | 62.3636% | 4,656 |
| Net loans and leases to core deposits | 69.9264% | 4,273 |
| Total domestic deposits to total assets | 91.9032% | 186 |
| Equity capital to assets | 7.7261% | 6,289 |
| Core capital (leverage) ratio | 7.9743% | 6,114 |
| Tier 1 risk-based capital ratio | 12.3726% | 5,318 |
| Total risk-based capital ratio | 13.0888% | 5,556 |
| Memoranda: | ||
| Average total assets | $119,837,000 | 4,244 |
| Average earning assets | $112,663,000 | 4,171 |
| Average equity | $9,071,670 | 5,010 |
| Average total loans | $67,011,000 | 4,326 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9143% | 6,319 |
| Cost of funding earning assets | 0.5731% | 2,220 |
| Net interest margin | 2.3413% | 6,454 |
| Noninterest income to average assets | 0.0662% | 6,439 |
| Noninterest expense to average assets | 1.3474% | 6,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9369% | 2,471 |
| Return on assets (ROA) | 0.9369% | 2,544 |
| Pretax return on assets | 0.9369% | 3,568 |
| Return on Equity (ROE) | 12.5021% | 1,281 |
| Retained earnings to average equity (ytd only) | 12.5021% | 541 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9855% | 5,543 |
| Assets per employee ($millions) | 7.9901% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 6,040 |
| Loan loss allowance to noncurrent loans | 29.2473% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 1.5519% | 2,275 |
| Noncurrent loans to loans | 2.8403% | 1,156 |
| Net loans and leases to total assets | 54.1852% | 4,389 |
| Net loans and leases to deposits | 58.9476% | 4,849 |
| Net loans and leases to core deposits | 65.6809% | 4,523 |
| Total domestic deposits to total assets | 91.9209% | 262 |
| Equity capital to assets | 7.7254% | 6,222 |
| Core capital (leverage) ratio | 8.1127% | 6,027 |
| Tier 1 risk-based capital ratio | 13.0200% | 4,996 |
| Total risk-based capital ratio | 13.7517% | 5,250 |
| Memoranda: | ||
| Average total assets | $120,825,000 | 4,257 |
| Average earning assets | $114,468,500 | 4,168 |
| Average equity | $9,054,500 | 5,035 |
| Average total loans | $66,469,000 | 4,374 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2911% | 6,009 |
| Cost of funding earning assets | 0.8140% | 1,133 |
| Net interest margin | 2.4771% | 6,389 |
| Noninterest income to average assets | 0.1870% | 5,969 |
| Noninterest expense to average assets | 1.4632% | 6,592 |
| Loan and lease loss provision to assets | 0.1278% | 2,712 |
| Net operating income to assets | 0.9267% | 2,656 |
| Return on assets (ROA) | 0.9258% | 2,748 |
| Pretax return on assets | 0.9258% | 3,663 |
| Return on Equity (ROE) | 11.5733% | 1,563 |
| Retained earnings to average equity (ytd only) | 1.5974% | 5,081 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1176% | 5,724 |
| Assets per employee ($millions) | 7.6124% | 571 |
| Cash dividends to net income (ytd only)* | 86.1974% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 6,157 |
| Loan loss allowance to noncurrent loans | 30.2895% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 2,523 |
| Noncurrent loans to loans | 2.6626% | 1,382 |
| Net loans and leases to total assets | 54.9336% | 4,470 |
| Net loans and leases to deposits | 59.4368% | 4,984 |
| Net loans and leases to core deposits | 65.8796% | 4,706 |
| Total domestic deposits to total assets | 92.4235% | 209 |
| Equity capital to assets | 7.2661% | 6,377 |
| Core capital (leverage) ratio | 7.9146% | 6,194 |
| Tier 1 risk-based capital ratio | 12.4337% | 5,328 |
| Total risk-based capital ratio | 13.1535% | 5,611 |
| Memoranda: | ||
| Average total assets | $118,164,400 | 4,308 |
| Average earning assets | $111,178,400 | 4,237 |
| Average equity | $9,452,800 | 4,993 |
| Average total loans | $70,742,200 | 4,238 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 5,871 |
| Cost of funding earning assets | 0.8581% | 998 |
| Net interest margin | 2.5453% | 6,390 |
| Noninterest income to average assets | 0.1990% | 5,987 |
| Noninterest expense to average assets | 1.3941% | 6,696 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1962% | 1,651 |
| Return on assets (ROA) | 1.1962% | 1,723 |
| Pretax return on assets | 1.1962% | 2,710 |
| Return on Equity (ROE) | 14.6054% | 868 |
| Retained earnings to average equity (ytd only) | 5.6783% | 2,616 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8191% | 6,117 |
| Assets per employee ($millions) | 7.6691% | 540 |
| Cash dividends to net income (ytd only)* | 61.1216% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 6,149 |
| Loan loss allowance to noncurrent loans | 937.9310% | 500 |
| Noncurrent assets plus other real estate owned to assets | 1.2092% | 3,227 |
| Noncurrent loans to loans | 0.0919% | 6,059 |
| Net loans and leases to total assets | 54.3816% | 4,548 |
| Net loans and leases to deposits | 59.6294% | 5,020 |
| Net loans and leases to core deposits | 68.4034% | 4,492 |
| Total domestic deposits to total assets | 91.1994% | 457 |
| Equity capital to assets | 8.5303% | 5,703 |
| Core capital (leverage) ratio | 8.9036% | 5,258 |
| Tier 1 risk-based capital ratio | 14.1235% | 4,339 |
| Total risk-based capital ratio | 14.8742% | 4,634 |
| Memoranda: | ||
| Average total assets | $117,256,000 | 4,371 |
| Average earning assets | $110,159,500 | 4,297 |
| Average equity | $9,603,500 | 5,003 |
| Average total loans | $71,564,750 | 4,238 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5266% | 5,638 |
| Cost of funding earning assets | 0.8731% | 1,019 |
| Net interest margin | 2.6535% | 6,257 |
| Noninterest income to average assets | 0.1254% | 6,427 |
| Noninterest expense to average assets | 1.2475% | 6,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3712% | 1,138 |
| Return on assets (ROA) | 1.3712% | 1,221 |
| Pretax return on assets | 1.3712% | 2,036 |
| Return on Equity (ROE) | 16.9714% | 559 |
| Retained earnings to average equity (ytd only) | 8.7270% | 1,214 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6375% | 6,558 |
| Assets per employee ($millions) | 6.6513% | 848 |
| Cash dividends to net income (ytd only)* | 48.5785% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 6,386 |
| Loan loss allowance to noncurrent loans | 200.7380% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 5,697 |
| Noncurrent loans to loans | 0.3905% | 5,299 |
| Net loans and leases to total assets | 60.8895% | 3,505 |
| Net loans and leases to deposits | 66.7381% | 4,181 |
| Net loans and leases to core deposits | 75.8516% | 3,560 |
| Total domestic deposits to total assets | 91.2366% | 467 |
| Equity capital to assets | 8.4981% | 5,766 |
| Core capital (leverage) ratio | 9.0348% | 4,931 |
| Tier 1 risk-based capital ratio | 12.9585% | 5,169 |
| Total risk-based capital ratio | 13.6468% | 5,522 |
| Memoranda: | ||
| Average total assets | $117,995,670 | 4,390 |
| Average earning assets | $110,873,000 | 4,316 |
| Average equity | $9,533,670 | 5,050 |
| Average total loans | $74,385,330 | 4,160 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 5,246 |
| Cost of funding earning assets | 0.8946% | 1,010 |
| Net interest margin | 2.7789% | 6,074 |
| Noninterest income to average assets | 0.1926% | 6,099 |
| Noninterest expense to average assets | 1.2884% | 6,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5242% | 817 |
| Return on assets (ROA) | 1.5242% | 892 |
| Pretax return on assets | 1.5242% | 1,506 |
| Return on Equity (ROE) | 19.3345% | 339 |
| Retained earnings to average equity (ytd only) | 9.7304% | 1,174 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8087% | 6,700 |
| Assets per employee ($millions) | 7.9243% | 504 |
| Cash dividends to net income (ytd only)* | 49.6732% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7042% | 6,595 |
| Loan loss allowance to noncurrent loans | 134.6535% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 5,495 |
| Noncurrent loans to loans | 0.5230% | 5,128 |
| Net loans and leases to total assets | 64.5337% | 2,610 |
| Net loans and leases to deposits | 71.5420% | 3,246 |
| Net loans and leases to core deposits | 81.3024% | 2,657 |
| Total domestic deposits to total assets | 90.2040% | 932 |
| Equity capital to assets | 8.3170% | 6,176 |
| Core capital (leverage) ratio | 8.4185% | 5,682 |
| Tier 1 risk-based capital ratio | 12.5118% | 5,571 |
| Total risk-based capital ratio | 13.1886% | 5,918 |
| Memoranda: | ||
| Average total assets | $120,457,500 | 4,392 |
| Average earning assets | $113,571,500 | 4,297 |
| Average equity | $9,496,000 | 5,111 |
| Average total loans | $76,881,500 | 4,106 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5247% | 6,332 |
| Cost of funding earning assets | 1.0948% | 927 |
| Net interest margin | 2.4299% | 6,759 |
| Noninterest income to average assets | 0.1763% | 6,139 |
| Noninterest expense to average assets | 1.3829% | 6,916 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0858% | 1,987 |
| Return on assets (ROA) | 1.0858% | 2,174 |
| Pretax return on assets | 1.0858% | 3,211 |
| Return on Equity (ROE) | 13.8403% | 1,020 |
| Retained earnings to average equity (ytd only) | 7.4738% | 1,349 |
| Net charge-offs to loans | -0.0015% | 6,315 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0169% | 6,056 |
| Assets per employee ($millions) | 8.1367% | 476 |
| Cash dividends to net income (ytd only)* | 46.0000% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5137% | 6,829 |
| Loan loss allowance to noncurrent loans | 17.2899% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 1.8624% | 2,622 |
| Noncurrent loans to loans | 2.9708% | 1,760 |
| Net loans and leases to total assets | 62.3662% | 3,198 |
| Net loans and leases to deposits | 67.5704% | 4,047 |
| Net loans and leases to core deposits | 76.7280% | 3,437 |
| Total domestic deposits to total assets | 92.2982% | 198 |
| Equity capital to assets | 7.4609% | 6,650 |
| Core capital (leverage) ratio | 8.0458% | 6,149 |
| Tier 1 risk-based capital ratio | 11.6690% | 5,980 |
| Total risk-based capital ratio | 12.1653% | 6,347 |
| Memoranda: | ||
| Average total assets | $115,120,400 | 4,463 |
| Average earning assets | $108,604,000 | 4,378 |
| Average equity | $9,031,600 | 5,212 |
| Average total loans | $68,931,600 | 4,392 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6474% | 6,316 |
| Cost of funding earning assets | 1.1508% | 864 |
| Net interest margin | 2.4967% | 6,824 |
| Noninterest income to average assets | 0.1752% | 6,254 |
| Noninterest expense to average assets | 1.3229% | 7,033 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2147% | 1,686 |
| Return on assets (ROA) | 1.2147% | 1,863 |
| Pretax return on assets | 1.2147% | 2,937 |
| Return on Equity (ROE) | 15.2813% | 852 |
| Retained earnings to average equity (ytd only) | 6.7752% | 2,238 |
| Net charge-offs to loans | -0.0020% | 6,205 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1316% | 6,438 |
| Assets per employee ($millions) | 7.6808% | 543 |
| Cash dividends to net income (ytd only)* | 55.6633% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 6,457 |
| Loan loss allowance to noncurrent loans | 44.9959% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 1.0494% | 4,200 |
| Noncurrent loans to loans | 1.9344% | 2,919 |
| Net loans and leases to total assets | 53.7748% | 4,782 |
| Net loans and leases to deposits | 58.7686% | 5,343 |
| Net loans and leases to core deposits | 67.1526% | 4,819 |
| Total domestic deposits to total assets | 91.5026% | 286 |
| Equity capital to assets | 8.2292% | 6,468 |
| Core capital (leverage) ratio | 8.3379% | 5,958 |
| Tier 1 risk-based capital ratio | 14.6023% | 4,119 |
| Total risk-based capital ratio | 15.4348% | 4,356 |
| Memoranda: | ||
| Average total assets | $113,388,000 | 4,561 |
| Average earning assets | $107,287,500 | 4,458 |
| Average equity | $9,013,000 | 5,266 |
| Average total loans | $67,036,750 | 4,505 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 6,180 |
| Cost of funding earning assets | 1.1883% | 860 |
| Net interest margin | 2.5963% | 6,819 |
| Noninterest income to average assets | 0.1720% | 6,321 |
| Noninterest expense to average assets | 1.3300% | 7,089 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2946% | 1,457 |
| Return on assets (ROA) | 1.2946% | 1,605 |
| Pretax return on assets | 1.2946% | 2,574 |
| Return on Equity (ROE) | 16.4841% | 697 |
| Retained earnings to average equity (ytd only) | 6.3227% | 2,492 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6757% | 6,599 |
| Assets per employee ($millions) | 6.6855% | 864 |
| Cash dividends to net income (ytd only)* | 61.6438% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 6,647 |
| Loan loss allowance to noncurrent loans | 61.5646% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 4,592 |
| Noncurrent loans to loans | 1.3172% | 3,947 |
| Net loans and leases to total assets | 58.4384% | 4,094 |
| Net loans and leases to deposits | 63.7571% | 4,796 |
| Net loans and leases to core deposits | 71.9196% | 4,305 |
| Total domestic deposits to total assets | 91.6579% | 289 |
| Equity capital to assets | 8.1318% | 6,499 |
| Core capital (leverage) ratio | 8.2711% | 5,964 |
| Tier 1 risk-based capital ratio | 13.0748% | 5,133 |
| Total risk-based capital ratio | 13.8331% | 5,489 |
| Memoranda: | ||
| Average total assets | $112,780,000 | 4,597 |
| Average earning assets | $106,535,670 | 4,498 |
| Average equity | $8,857,000 | 5,302 |
| Average total loans | $68,549,330 | 4,467 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8530% | 6,132 |
| Cost of funding earning assets | 1.2116% | 935 |
| Net interest margin | 2.6414% | 6,843 |
| Noninterest income to average assets | 0.1353% | 6,573 |
| Noninterest expense to average assets | 1.3103% | 7,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3245% | 1,386 |
| Return on assets (ROA) | 1.3245% | 1,551 |
| Pretax return on assets | 1.3245% | 2,441 |
| Return on Equity (ROE) | 17.1735% | 647 |
| Retained earnings to average equity (ytd only) | 3.3239% | 4,569 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7297% | 6,689 |
| Assets per employee ($millions) | 6.6339% | 909 |
| Cash dividends to net income (ytd only)* | 80.6452% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 6,739 |
| Loan loss allowance to noncurrent loans | 91.1074% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 5,287 |
| Noncurrent loans to loans | 0.8792% | 4,911 |
| Net loans and leases to total assets | 59.6297% | 3,748 |
| Net loans and leases to deposits | 65.0015% | 4,489 |
| Net loans and leases to core deposits | 73.0821% | 4,007 |
| Total domestic deposits to total assets | 91.7358% | 320 |
| Equity capital to assets | 8.0159% | 6,512 |
| Core capital (leverage) ratio | 8.2189% | 6,002 |
| Tier 1 risk-based capital ratio | 12.4218% | 5,667 |
| Total risk-based capital ratio | 13.1697% | 6,012 |
| Memoranda: | ||
| Average total assets | $112,343,500 | 4,645 |
| Average earning assets | $106,307,000 | 4,539 |
| Average equity | $8,664,500 | 5,376 |
| Average total loans | $69,344,000 | 4,466 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 6,106 |
| Cost of funding earning assets | 1.4150% | 972 |
| Net interest margin | 2.7661% | 6,860 |
| Noninterest income to average assets | 0.1920% | 6,128 |
| Noninterest expense to average assets | 1.4703% | 7,186 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3546% | 1,128 |
| Return on assets (ROA) | 1.3546% | 1,217 |
| Pretax return on assets | 1.3546% | 1,933 |
| Return on Equity (ROE) | 16.8349% | 489 |
| Retained earnings to average equity (ytd only) | 8.6693% | 887 |
| Net charge-offs to loans | 0.0113% | 6,272 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 175.5000% | 195 |
| Efficiency ratio | 52.0492% | 6,695 |
| Assets per employee ($millions) | 6.5830% | 911 |
| Cash dividends to net income (ytd only)* | 48.5043% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5529% | 7,061 |
| Loan loss allowance to noncurrent loans | 18.0479% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 2.0150% | 2,949 |
| Noncurrent loans to loans | 3.0636% | 2,117 |
| Net loans and leases to total assets | 63.0010% | 3,402 |
| Net loans and leases to deposits | 68.2177% | 4,406 |
| Net loans and leases to core deposits | 77.0572% | 3,819 |
| Total domestic deposits to total assets | 92.3529% | 191 |
| Equity capital to assets | 7.4068% | 6,855 |
| Core capital (leverage) ratio | 7.8881% | 6,369 |
| Tier 1 risk-based capital ratio | 11.1425% | 6,378 |
| Total risk-based capital ratio | 11.6592% | 6,703 |
| Memoranda: | ||
| Average total assets | $103,650,000 | 4,802 |
| Average earning assets | $98,657,800 | 4,669 |
| Average equity | $8,339,800 | 5,466 |
| Average total loans | $70,978,000 | 4,454 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 5,643 |
| Cost of funding earning assets | 1.4612% | 987 |
| Net interest margin | 2.9279% | 6,712 |
| Noninterest income to average assets | 0.2284% | 5,982 |
| Noninterest expense to average assets | 1.5028% | 7,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5107% | 911 |
| Return on assets (ROA) | 1.5107% | 993 |
| Pretax return on assets | 1.5107% | 1,619 |
| Return on Equity (ROE) | 18.3733% | 426 |
| Retained earnings to average equity (ytd only) | 7.5025% | 1,709 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8693% | 6,838 |
| Assets per employee ($millions) | 6.5716% | 915 |
| Cash dividends to net income (ytd only)* | 59.1661% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 6,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 6,862 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 64.7852% | 3,151 |
| Net loans and leases to deposits | 70.7745% | 4,171 |
| Net loans and leases to core deposits | 79.2828% | 3,738 |
| Total domestic deposits to total assets | 91.5375% | 287 |
| Equity capital to assets | 8.3218% | 6,461 |
| Core capital (leverage) ratio | 8.4766% | 5,742 |
| Tier 1 risk-based capital ratio | 11.9759% | 5,911 |
| Total risk-based capital ratio | 12.7294% | 6,244 |
| Memoranda: | ||
| Average total assets | $101,584,750 | 4,883 |
| Average earning assets | $96,631,000 | 4,752 |
| Average equity | $8,352,500 | 5,489 |
| Average total loans | $70,998,250 | 4,494 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 5,594 |
| Cost of funding earning assets | 1.5016% | 999 |
| Net interest margin | 2.9280% | 6,741 |
| Noninterest income to average assets | 0.1892% | 6,313 |
| Noninterest expense to average assets | 1.6694% | 7,208 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3088% | 1,290 |
| Return on assets (ROA) | 1.3088% | 1,364 |
| Pretax return on assets | 1.3088% | 2,110 |
| Return on Equity (ROE) | 15.9854% | 675 |
| Retained earnings to average equity (ytd only) | 4.4282% | 3,373 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0535% | 6,419 |
| Assets per employee ($millions) | 5.9843% | 1,195 |
| Cash dividends to net income (ytd only)* | 72.2983% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 6,895 |
| Loan loss allowance to noncurrent loans | 40.6043% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 1.4135% | 4,093 |
| Noncurrent loans to loans | 1.9370% | 3,557 |
| Net loans and leases to total assets | 68.3220% | 2,553 |
| Net loans and leases to deposits | 74.6509% | 3,699 |
| Net loans and leases to core deposits | 84.7334% | 3,110 |
| Total domestic deposits to total assets | 91.5219% | 336 |
| Equity capital to assets | 8.3483% | 6,364 |
| Core capital (leverage) ratio | 8.3673% | 5,756 |
| Tier 1 risk-based capital ratio | 11.4013% | 6,245 |
| Total risk-based capital ratio | 12.1430% | 6,573 |
| Memoranda: | ||
| Average total assets | $100,397,670 | 4,950 |
| Average earning assets | $95,628,330 | 4,833 |
| Average equity | $8,220,000 | 5,541 |
| Average total loans | $71,774,330 | 4,509 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 5,336 |
| Cost of funding earning assets | 1.5509% | 975 |
| Net interest margin | 2.9504% | 6,676 |
| Noninterest income to average assets | 0.1324% | 6,751 |
| Noninterest expense to average assets | 1.6926% | 7,236 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2554% | 1,376 |
| Return on assets (ROA) | 1.2554% | 1,429 |
| Pretax return on assets | 1.2554% | 2,180 |
| Return on Equity (ROE) | 15.4883% | 741 |
| Retained earnings to average equity (ytd only) | 6.8287% | 2,224 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4150% | 6,336 |
| Assets per employee ($millions) | 5.9036% | 1,267 |
| Cash dividends to net income (ytd only)* | 55.9105% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 6,979 |
| Loan loss allowance to noncurrent loans | 158.3333% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 5,909 |
| Noncurrent loans to loans | 0.4845% | 6,048 |
| Net loans and leases to total assets | 71.0229% | 1,912 |
| Net loans and leases to deposits | 77.6183% | 3,132 |
| Net loans and leases to core deposits | 87.8980% | 2,614 |
| Total domestic deposits to total assets | 91.5028% | 419 |
| Equity capital to assets | 8.3398% | 6,121 |
| Core capital (leverage) ratio | 8.4740% | 5,507 |
| Tier 1 risk-based capital ratio | 10.8785% | 6,589 |
| Total risk-based capital ratio | 11.5898% | 6,874 |
| Memoranda: | ||
| Average total assets | $99,730,000 | 5,006 |
| Average earning assets | $95,173,500 | 4,877 |
| Average equity | $8,083,500 | 5,581 |
| Average total loans | $72,633,000 | 4,532 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 6,848 |
| Cost of funding earning assets | 1.8920% | 868 |
| Net interest margin | 2.3692% | 7,335 |
| Noninterest income to average assets | 0.2078% | 6,314 |
| Noninterest expense to average assets | 1.7338% | 7,323 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7278% | 3,112 |
| Return on assets (ROA) | 0.7278% | 3,238 |
| Pretax return on assets | 0.7278% | 3,881 |
| Return on Equity (ROE) | 8.7884% | 2,380 |
| Retained earnings to average equity (ytd only) | 2.6764% | 3,981 |
| Net charge-offs to loans | 0.3255% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 2.9567% | 3,592 |
| Efficiency ratio | 70.4329% | 4,082 |
| Assets per employee ($millions) | 5.8293% | 1,332 |
| Cash dividends to net income (ytd only)* | 69.5461% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 7,322 |
| Loan loss allowance to noncurrent loans | 16.3066% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 2.6620% | 2,617 |
| Noncurrent loans to loans | 3.3404% | 2,274 |
| Net loans and leases to total assets | 73.6998% | 1,720 |
| Net loans and leases to deposits | 80.1147% | 3,152 |
| Net loans and leases to core deposits | 87.7656% | 3,086 |
| Total domestic deposits to total assets | 91.9928% | 286 |
| Equity capital to assets | 7.8680% | 6,621 |
| Core capital (leverage) ratio | 8.1830% | 5,858 |
| Tier 1 risk-based capital ratio | 10.1748% | 6,890 |
| Total risk-based capital ratio | 10.6921% | 7,157 |
| Memoranda: | ||
| Average total assets | $93,840,000 | 5,163 |
| Average earning assets | $89,269,400 | 5,041 |
| Average equity | $7,771,600 | 5,786 |
| Average total loans | $70,973,000 | 4,648 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 5,934 |
| Cost of funding earning assets | 1.9686% | 835 |
| Net interest margin | 2.7557% | 7,173 |
| Noninterest income to average assets | 0.2104% | 6,406 |
| Noninterest expense to average assets | 1.6572% | 7,463 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1715% | 1,670 |
| Return on assets (ROA) | 1.1715% | 1,765 |
| Pretax return on assets | 1.1715% | 2,595 |
| Return on Equity (ROE) | 13.9592% | 1,044 |
| Retained earnings to average equity (ytd only) | 5.8035% | 2,474 |
| Net charge-offs to loans | 0.1516% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 10.1629% | 1,914 |
| Efficiency ratio | 58.5838% | 6,177 |
| Assets per employee ($millions) | 5.7869% | 1,404 |
| Cash dividends to net income (ytd only)* | 58.4260% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 7,059 |
| Loan loss allowance to noncurrent loans | 680.2469% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 6,813 |
| Noncurrent loans to loans | 0.1137% | 6,957 |
| Net loans and leases to total assets | 76.3649% | 1,340 |
| Net loans and leases to deposits | 83.7324% | 2,750 |
| Net loans and leases to core deposits | 102.5438% | 1,597 |
| Total domestic deposits to total assets | 91.2011% | 384 |
| Equity capital to assets | 8.6229% | 6,128 |
| Core capital (leverage) ratio | 8.6335% | 5,292 |
| Tier 1 risk-based capital ratio | 10.3110% | 6,889 |
| Total risk-based capital ratio | 11.0214% | 7,156 |
| Memoranda: | ||
| Average total assets | $92,525,500 | 5,268 |
| Average earning assets | $87,912,000 | 5,145 |
| Average equity | $7,765,250 | 5,868 |
| Average total loans | $70,357,500 | 4,740 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 5,461 |
| Cost of funding earning assets | 1.9927% | 926 |
| Net interest margin | 2.8925% | 7,018 |
| Noninterest income to average assets | 0.2162% | 6,376 |
| Noninterest expense to average assets | 1.6886% | 7,507 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2799% | 1,357 |
| Return on assets (ROA) | 1.2799% | 1,415 |
| Pretax return on assets | 1.2799% | 2,152 |
| Return on Equity (ROE) | 15.3920% | 788 |
| Retained earnings to average equity (ytd only) | 3.0420% | 4,176 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8827% | 6,522 |
| Assets per employee ($millions) | 5.4068% | 1,703 |
| Cash dividends to net income (ytd only)* | 80.2365% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 6,791 |
| Loan loss allowance to noncurrent loans | 121.8147% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 5,748 |
| Noncurrent loans to loans | 0.7310% | 5,793 |
| Net loans and leases to total assets | 76.4078% | 1,416 |
| Net loans and leases to deposits | 83.6432% | 2,940 |
| Net loans and leases to core deposits | 90.3920% | 3,201 |
| Total domestic deposits to total assets | 91.3497% | 371 |
| Equity capital to assets | 8.4664% | 6,205 |
| Core capital (leverage) ratio | 8.4777% | 5,451 |
| Tier 1 risk-based capital ratio | 10.1885% | 6,922 |
| Total risk-based capital ratio | 11.0152% | 7,136 |
| Memoranda: | ||
| Average total assets | $92,503,670 | 5,295 |
| Average earning assets | $88,020,000 | 5,171 |
| Average equity | $7,692,330 | 5,903 |
| Average total loans | $70,057,330 | 4,791 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 5,641 |
| Cost of funding earning assets | 2.0105% | 1,049 |
| Net interest margin | 2.8501% | 7,100 |
| Noninterest income to average assets | 0.2285% | 6,324 |
| Noninterest expense to average assets | 1.6121% | 7,650 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3233% | 1,243 |
| Return on assets (ROA) | 1.3233% | 1,317 |
| Pretax return on assets | 1.3233% | 1,991 |
| Return on Equity (ROE) | 16.0575% | 709 |
| Retained earnings to average equity (ytd only) | -1.5168% | 6,128 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9192% | 6,897 |
| Assets per employee ($millions) | 5.7666% | 1,434 |
| Cash dividends to net income (ytd only)* | 109.4463% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 6,768 |
| Loan loss allowance to noncurrent loans | 725.2874% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 6,863 |
| Noncurrent loans to loans | 0.1271% | 7,089 |
| Net loans and leases to total assets | 73.4908% | 2,084 |
| Net loans and leases to deposits | 80.2697% | 3,610 |
| Net loans and leases to core deposits | 87.0492% | 3,738 |
| Total domestic deposits to total assets | 91.5549% | 356 |
| Equity capital to assets | 8.2490% | 6,371 |
| Core capital (leverage) ratio | 8.3523% | 5,638 |
| Tier 1 risk-based capital ratio | 10.7958% | 6,349 |
| Total risk-based capital ratio | 11.6885% | 6,695 |
| Memoranda: | ||
| Average total assets | $92,797,500 | 5,359 |
| Average earning assets | $88,136,000 | 5,236 |
| Average equity | $7,647,500 | 5,958 |
| Average total loans | $69,655,000 | 4,874 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 6,871 |
| Cost of funding earning assets | 2.2995% | 1,661 |
| Net interest margin | 2.5354% | 7,386 |
| Noninterest income to average assets | 0.2374% | 6,395 |
| Noninterest expense to average assets | 1.7120% | 7,690 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9231% | 2,097 |
| Return on assets (ROA) | 0.9406% | 2,103 |
| Pretax return on assets | 0.9406% | 2,792 |
| Return on Equity (ROE) | 11.6755% | 1,242 |
| Retained earnings to average equity (ytd only) | 8.4020% | 609 |
| Net charge-offs to loans | -0.0031% | 7,705 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9708% | 5,589 |
| Assets per employee ($millions) | 6.2219% | 1,120 |
| Cash dividends to net income (ytd only)* | 28.0374% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 6,856 |
| Loan loss allowance to noncurrent loans | 180.8023% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 6,160 |
| Noncurrent loans to loans | 0.4924% | 6,270 |
| Net loans and leases to total assets | 75.2617% | 1,977 |
| Net loans and leases to deposits | 82.1705% | 3,594 |
| Net loans and leases to core deposits | 129.2763% | 1,318 |
| Total domestic deposits to total assets | 91.5921% | 351 |
| Equity capital to assets | 8.2332% | 6,300 |
| Core capital (leverage) ratio | 8.4760% | 5,311 |
| Tier 1 risk-based capital ratio | 10.4008% | 6,497 |
| Total risk-based capital ratio | 11.2600% | 6,830 |
| Memoranda: | ||
| Average total assets | $91,002,400 | 5,362 |
| Average earning assets | $86,061,200 | 5,259 |
| Average equity | $7,331,600 | 6,163 |
| Average total loans | $65,273,600 | 5,054 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 7,033 |
| Cost of funding earning assets | 2.3738% | 1,730 |
| Net interest margin | 2.4628% | 7,498 |
| Noninterest income to average assets | 0.2418% | 6,503 |
| Noninterest expense to average assets | 1.6589% | 7,792 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9068% | 2,399 |
| Return on assets (ROA) | 0.9304% | 2,371 |
| Pretax return on assets | 0.9304% | 3,128 |
| Return on Equity (ROE) | 11.6147% | 1,463 |
| Retained earnings to average equity (ytd only) | 7.9702% | 1,147 |
| Net charge-offs to loans | -0.0042% | 7,618 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6552% | 5,626 |
| Assets per employee ($millions) | 5.6066% | 1,508 |
| Cash dividends to net income (ytd only)* | 31.3784% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 6,449 |
| Loan loss allowance to noncurrent loans | 261.8257% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 6,534 |
| Noncurrent loans to loans | 0.3699% | 6,609 |
| Net loans and leases to total assets | 71.9194% | 3,054 |
| Net loans and leases to deposits | 78.6905% | 4,621 |
| Net loans and leases to core deposits | 128.4540% | 1,539 |
| Total domestic deposits to total assets | 91.3952% | 279 |
| Equity capital to assets | 8.3205% | 6,479 |
| Core capital (leverage) ratio | 8.0462% | 6,282 |
| Tier 1 risk-based capital ratio | 10.6215% | 6,321 |
| Total risk-based capital ratio | 11.5416% | 6,637 |
| Memoranda: | ||
| Average total assets | $90,420,750 | 5,416 |
| Average earning assets | $85,319,500 | 5,325 |
| Average equity | $7,243,500 | 6,247 |
| Average total loans | $63,874,000 | 5,138 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 7,193 |
| Cost of funding earning assets | 2.4135% | 1,912 |
| Net interest margin | 2.4065% | 7,565 |
| Noninterest income to average assets | 0.3022% | 6,105 |
| Noninterest expense to average assets | 1.6170% | 7,901 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9574% | 2,253 |
| Return on assets (ROA) | 0.9927% | 2,233 |
| Pretax return on assets | 0.9927% | 3,044 |
| Return on Equity (ROE) | 12.5523% | 1,273 |
| Retained earnings to average equity (ytd only) | 7.0293% | 1,573 |
| Net charge-offs to loans | -0.0063% | 7,554 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8106% | 6,118 |
| Assets per employee ($millions) | 4.7811% | 2,353 |
| Cash dividends to net income (ytd only)* | 44.0000% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 6,440 |
| Loan loss allowance to noncurrent loans | 281.6964% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 6,571 |
| Noncurrent loans to loans | 0.3446% | 6,655 |
| Net loans and leases to total assets | 70.8645% | 3,501 |
| Net loans and leases to deposits | 77.3113% | 4,973 |
| Net loans and leases to core deposits | 127.0556% | 1,779 |
| Total domestic deposits to total assets | 91.6613% | 276 |
| Equity capital to assets | 7.9909% | 6,759 |
| Core capital (leverage) ratio | 7.8404% | 6,563 |
| Tier 1 risk-based capital ratio | 10.1582% | 6,762 |
| Total risk-based capital ratio | 11.0606% | 7,070 |
| Memoranda: | ||
| Average total assets | $90,659,000 | 5,439 |
| Average earning assets | $85,602,000 | 5,352 |
| Average equity | $7,170,000 | 6,313 |
| Average total loans | $63,449,670 | 5,193 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 7,034 |
| Cost of funding earning assets | 2.4680% | 2,034 |
| Net interest margin | 2.4915% | 7,515 |
| Noninterest income to average assets | 0.2473% | 6,477 |
| Noninterest expense to average assets | 1.5414% | 7,954 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0511% | 2,128 |
| Return on assets (ROA) | 1.0511% | 2,260 |
| Pretax return on assets | 1.0511% | 3,170 |
| Return on Equity (ROE) | 13.3605% | 1,302 |
| Retained earnings to average equity (ytd only) | 13.3605% | 587 |
| Net charge-offs to loans | -0.0128% | 7,333 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4549% | 6,489 |
| Assets per employee ($millions) | 5.6524% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 5,898 |
| Loan loss allowance to noncurrent loans | 181.8444% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 5,993 |
| Noncurrent loans to loans | 0.5694% | 5,993 |
| Net loans and leases to total assets | 66.6844% | 4,417 |
| Net loans and leases to deposits | 72.7567% | 5,648 |
| Net loans and leases to core deposits | 118.6301% | 2,536 |
| Total domestic deposits to total assets | 91.6540% | 239 |
| Equity capital to assets | 8.0011% | 6,807 |
| Core capital (leverage) ratio | 7.9947% | 6,455 |
| Tier 1 risk-based capital ratio | 10.7732% | 6,117 |
| Total risk-based capital ratio | 11.7322% | 6,330 |
| Memoranda: | ||
| Average total assets | $90,568,000 | 5,467 |
| Average earning assets | $85,249,500 | 5,388 |
| Average equity | $7,125,500 | 6,365 |
| Average total loans | $62,672,000 | 5,255 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0264% | 5,427 |
| Cost of funding earning assets | 3.1659% | 1,297 |
| Net interest margin | 2.8604% | 7,234 |
| Noninterest income to average assets | 0.2556% | 6,622 |
| Noninterest expense to average assets | 1.5914% | 7,973 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3497% | 1,345 |
| Return on assets (ROA) | 1.3497% | 1,305 |
| Pretax return on assets | 1.3497% | 2,130 |
| Return on Equity (ROE) | 16.4793% | 700 |
| Retained earnings to average equity (ytd only) | -0.7908% | 5,541 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1093% | 7,254 |
| Assets per employee ($millions) | 5.6686% | 1,342 |
| Cash dividends to net income (ytd only)* | 104.7986% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 6,231 |
| Loan loss allowance to noncurrent loans | 127.3279% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 4,942 |
| Noncurrent loans to loans | 0.7670% | 5,116 |
| Net loans and leases to total assets | 70.3169% | 3,947 |
| Net loans and leases to deposits | 76.4902% | 5,534 |
| Net loans and leases to core deposits | 119.9428% | 2,693 |
| Total domestic deposits to total assets | 91.9293% | 144 |
| Equity capital to assets | 7.7345% | 7,169 |
| Core capital (leverage) ratio | 7.9608% | 6,554 |
| Tier 1 risk-based capital ratio | 9.8557% | 6,895 |
| Total risk-based capital ratio | 10.7606% | 7,217 |
| Memoranda: | ||
| Average total assets | $86,466,800 | 5,463 |
| Average earning assets | $81,176,600 | 5,398 |
| Average equity | $7,081,600 | 6,431 |
| Average total loans | $59,056,200 | 5,311 |