Home > Traditions First Bank > Performance and Condition Ratios
Traditions First 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 | 5.2328% | 1,604 |
| Cost of funding earning assets | 1.8144% | 1,228 |
| Net interest margin | 3.4185% | 2,366 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.7134% | 1,700 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.5107% | 3,646 |
| Return on assets (ROA) | 0.5107% | 3,642 |
| Pretax return on assets | 0.6238% | 3,594 |
| Return on Equity (ROE) | 6.3700% | 3,456 |
| Retained earnings to average equity (ytd only) | 2.5884% | 3,414 |
| Net charge-offs to loans | 0.0041% | 2,594 |
| Credit loss provision to net charge-offs | 6,200.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 305.4286% | 429 |
| Efficiency ratio | 77.6126% | 1,103 |
| Assets per employee ($millions) | 6.4209% | 2,465 |
| Cash dividends to net income (ytd only)* | 59.3548% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7905% | 3,987 |
| Loan loss allowance to noncurrent loans | 155,600.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,861 |
| Noncurrent loans to loans | 0.0005% | 3,807 |
| Net loans and leases to total assets | 69.1200% | 1,906 |
| Net loans and leases to deposits | 77.3540% | 2,326 |
| Net loans and leases to core deposits | 90.4915% | 2,017 |
| Total domestic deposits to total assets | 89.3600% | 962 |
| Equity capital to assets | 7.9612% | 3,447 |
| Core capital (leverage) ratio | 9.5173% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $273,161,600 | 2,564 |
| Average earning assets | $252,597,000 | 2,556 |
| Average equity | $21,905,400 | 2,704 |
| Average total loans | $172,565,000 | 2,506 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 1,622 |
| Cost of funding earning assets | 1.6485% | 1,280 |
| Net interest margin | 3.4601% | 2,314 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.7826% | 1,473 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.4854% | 3,795 |
| Return on assets (ROA) | 0.4854% | 3,798 |
| Pretax return on assets | 0.6479% | 3,649 |
| Return on Equity (ROE) | 6.0400% | 3,630 |
| Retained earnings to average equity (ytd only) | 0.9682% | 3,954 |
| Net charge-offs to loans | 0.0008% | 2,618 |
| Credit loss provision to net charge-offs | 27,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,586.0000% | 90 |
| Efficiency ratio | 78.0879% | 1,004 |
| Assets per employee ($millions) | 6.2587% | 2,518 |
| Cash dividends to net income (ytd only)* | 83.9757% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 4,032 |
| Loan loss allowance to noncurrent loans | 27,960.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,862 |
| Noncurrent loans to loans | 0.0028% | 3,802 |
| Net loans and leases to total assets | 65.2700% | 2,313 |
| Net loans and leases to deposits | 71.7797% | 2,723 |
| Net loans and leases to core deposits | 83.5942% | 2,354 |
| Total domestic deposits to total assets | 90.9300% | 690 |
| Equity capital to assets | 7.7122% | 3,234 |
| Core capital (leverage) ratio | 9.4209% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $270,821,750 | 2,575 |
| Average earning assets | $250,079,750 | 2,575 |
| Average equity | $21,758,750 | 2,704 |
| Average total loans | $166,495,250 | 2,556 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 1,733 |
| Cost of funding earning assets | 1.4519% | 1,333 |
| Net interest margin | 3.4616% | 2,363 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.8236% | 1,369 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.4783% | 3,853 |
| Return on assets (ROA) | 0.4783% | 3,860 |
| Pretax return on assets | 0.6372% | 3,729 |
| Return on Equity (ROE) | 5.8700% | 3,723 |
| Retained earnings to average equity (ytd only) | 5.8726% | 2,668 |
| Net charge-offs to loans | 0.0012% | 2,359 |
| Credit loss provision to net charge-offs | 15,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,008.0000% | 146 |
| Efficiency ratio | 79.0437% | 910 |
| Assets per employee ($millions) | 6.5039% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7551% | 4,096 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.0600% | 2,766 |
| Net loans and leases to deposits | 66.2263% | 3,044 |
| Net loans and leases to core deposits | 75.1600% | 2,819 |
| Total domestic deposits to total assets | 90.7000% | 728 |
| Equity capital to assets | 8.0689% | 3,167 |
| Core capital (leverage) ratio | 9.5427% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $269,301,333 | 2,593 |
| Average earning assets | $247,807,667 | 2,596 |
| Average equity | $21,932,333 | 2,703 |
| Average total loans | $161,616,000 | 2,585 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 2,074 |
| Cost of funding earning assets | 1.2079% | 1,431 |
| Net interest margin | 3.3974% | 2,640 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.8290% | 1,372 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.4437% | 4,012 |
| Return on assets (ROA) | 0.4437% | 3,965 |
| Pretax return on assets | 0.5876% | 3,863 |
| Return on Equity (ROE) | 5.4200% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.4220% | 2,915 |
| Net charge-offs to loans | -0.0025% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.1373% | 824 |
| Assets per employee ($millions) | 6.3630% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 4,187 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.8200% | 2,782 |
| Net loans and leases to deposits | 64.8797% | 3,022 |
| Net loans and leases to core deposits | 72.1395% | 2,809 |
| Total domestic deposits to total assets | 90.6600% | 926 |
| Equity capital to assets | 8.2029% | 3,105 |
| Core capital (leverage) ratio | 9.8909% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8835% | 1,397 |
| Memoranda: | ||
| Average total assets | $264,119,000 | 2,647 |
| Average earning assets | $245,719,000 | 2,634 |
| Average equity | $21,615,500 | 2,753 |
| Average total loans | $157,794,500 | 2,643 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 1,981 |
| Cost of funding earning assets | 0.5087% | 1,326 |
| Net interest margin | 3.3913% | 2,287 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.7654% | 1,398 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.5429% | 4,009 |
| Return on assets (ROA) | 0.5590% | 3,934 |
| Pretax return on assets | 0.7601% | 3,719 |
| Return on Equity (ROE) | 8.4000% | 3,281 |
| Retained earnings to average equity (ytd only) | 4.8131% | 3,134 |
| Net charge-offs to loans | 0.0015% | 2,499 |
| Credit loss provision to net charge-offs | 6,250.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 919.5000% | 192 |
| Efficiency ratio | 77.6983% | 869 |
| Assets per employee ($millions) | 5.7870% | 2,961 |
| Cash dividends to net income (ytd only)* | 42.7027% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 4,198 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 59.8400% | 2,644 |
| Net loans and leases to deposits | 65.8828% | 2,900 |
| Net loans and leases to core deposits | 72.8250% | 2,659 |
| Total domestic deposits to total assets | 90.8200% | 1,019 |
| Equity capital to assets | 8.1637% | 2,955 |
| Core capital (leverage) ratio | 10.3583% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0367% | 1,362 |
| Memoranda: | ||
| Average total assets | $231,684,400 | 2,837 |
| Average earning assets | $215,259,800 | 2,827 |
| Average equity | $15,416,200 | 3,334 |
| Average total loans | $129,249,800 | 2,836 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7194% | 1,978 |
| Cost of funding earning assets | 0.3877% | 1,379 |
| Net interest margin | 3.3317% | 2,195 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.7634% | 1,317 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.5564% | 3,953 |
| Return on assets (ROA) | 0.5783% | 3,842 |
| Pretax return on assets | 0.7506% | 3,688 |
| Return on Equity (ROE) | 9.2800% | 2,944 |
| Retained earnings to average equity (ytd only) | 4.0453% | 3,429 |
| Net charge-offs to loans | 0.0022% | 2,196 |
| Credit loss provision to net charge-offs | 3,750.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 650.0000% | 250 |
| Efficiency ratio | 78.2718% | 894 |
| Assets per employee ($millions) | 5.6034% | 3,122 |
| Cash dividends to net income (ytd only)* | 56.4286% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7665% | 4,150 |
| Loan loss allowance to noncurrent loans | 10,410.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 3,974 |
| Noncurrent loans to loans | 0.0074% | 3,899 |
| Net loans and leases to total assets | 57.2600% | 2,773 |
| Net loans and leases to deposits | 60.8372% | 3,123 |
| Net loans and leases to core deposits | 67.2639% | 2,860 |
| Total domestic deposits to total assets | 94.1300% | 339 |
| Equity capital to assets | 4.9302% | 4,310 |
| Core capital (leverage) ratio | 7.0827% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9730% | 2,823 |
| Memoranda: | ||
| Average total assets | $225,948,750 | 2,884 |
| Average earning assets | $209,775,500 | 2,882 |
| Average equity | $14,073,500 | 3,495 |
| Average total loans | $123,200,250 | 2,898 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5562% | 1,972 |
| Cost of funding earning assets | 0.3200% | 1,526 |
| Net interest margin | 3.2362% | 2,088 |
| Noninterest income to average assets | 0.4650% | 2,371 |
| Noninterest expense to average assets | 2.6784% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6219% | 3,563 |
| Return on assets (ROA) | 0.6552% | 3,409 |
| Pretax return on assets | 0.8518% | 3,199 |
| Return on Equity (ROE) | 9.8006% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.8006% | 1,072 |
| Net charge-offs to loans | 0.0034% | 1,933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 451.0000% | 280 |
| Efficiency ratio | 76.7885% | 1,199 |
| Assets per employee ($millions) | 6.0442% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7556% | 4,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.2397% | 2,828 |
| Net loans and leases to deposits | 59.2985% | 3,107 |
| Net loans and leases to core deposits | 65.4518% | 2,861 |
| Total domestic deposits to total assets | 93.1553% | 477 |
| Equity capital to assets | 5.8786% | 4,240 |
| Core capital (leverage) ratio | 7.2884% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3679% | 2,712 |
| Memoranda: | ||
| Average total assets | $222,817,000 | 2,924 |
| Average earning assets | $208,145,333 | 2,929 |
| Average equity | $14,897,000 | 3,506 |
| Average total loans | $118,998,000 | 2,956 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5459% | 1,654 |
| Cost of funding earning assets | 0.3158% | 1,504 |
| Net interest margin | 3.2301% | 1,784 |
| Noninterest income to average assets | 0.5233% | 2,022 |
| Noninterest expense to average assets | 2.5891% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7273% | 2,951 |
| Return on assets (ROA) | 0.7949% | 2,668 |
| Pretax return on assets | 1.0411% | 2,320 |
| Return on Equity (ROE) | 11.1834% | 1,558 |
| Retained earnings to average equity (ytd only) | 11.1834% | 751 |
| Net charge-offs to loans | 0.0035% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 524.0000% | 200 |
| Efficiency ratio | 73.0453% | 1,850 |
| Assets per employee ($millions) | 6.0972% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 4,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.6869% | 3,105 |
| Net loans and leases to deposits | 54.7859% | 3,359 |
| Net loans and leases to core deposits | 59.7874% | 3,165 |
| Total domestic deposits to total assets | 92.5180% | 398 |
| Equity capital to assets | 6.4474% | 4,446 |
| Core capital (leverage) ratio | 7.3882% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7689% | 2,690 |
| Memoranda: | ||
| Average total assets | $219,385,000 | 2,970 |
| Average earning assets | $205,194,000 | 2,964 |
| Average equity | $15,594,500 | 3,505 |
| Average total loans | $114,576,500 | 3,005 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6050% | 2,377 |
| Cost of funding earning assets | 0.3950% | 1,578 |
| Net interest margin | 3.2100% | 2,574 |
| Noninterest income to average assets | 0.6644% | 1,889 |
| Noninterest expense to average assets | 2.4644% | 2,295 |
| Loan and lease loss provision to assets | 0.0200% | 2,668 |
| Net operating income to assets | 0.9592% | 2,837 |
| Return on assets (ROA) | 0.9907% | 2,777 |
| Pretax return on assets | 1.1850% | 2,712 |
| Return on Equity (ROE) | 12.1545% | 1,757 |
| Retained earnings to average equity (ytd only) | 8.9856% | 1,210 |
| Net charge-offs to loans | -0.0009% | 3,277 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8542% | 2,003 |
| Assets per employee ($millions) | 6.2699% | 2,510 |
| Cash dividends to net income (ytd only)* | 26.0716% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 4,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 52.9476% | 2,969 |
| Net loans and leases to deposits | 58.1022% | 3,247 |
| Net loans and leases to core deposits | 63.4684% | 3,031 |
| Total domestic deposits to total assets | 91.1284% | 449 |
| Equity capital to assets | 7.8077% | 4,465 |
| Core capital (leverage) ratio | 7.5596% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0829% | 2,601 |
| Memoranda: | ||
| Average total assets | $200,170,600 | 3,063 |
| Average earning assets | $185,048,000 | 3,065 |
| Average equity | $16,315,000 | 3,515 |
| Average total loans | $105,663,200 | 3,131 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 2,380 |
| Cost of funding earning assets | 0.4192% | 1,554 |
| Net interest margin | 3.2401% | 2,610 |
| Noninterest income to average assets | 0.8078% | 1,497 |
| Noninterest expense to average assets | 2.5126% | 2,082 |
| Loan and lease loss provision to assets | 0.0269% | 2,458 |
| Net operating income to assets | 0.9484% | 3,087 |
| Return on assets (ROA) | 0.9885% | 3,034 |
| Pretax return on assets | 1.2966% | 2,633 |
| Return on Equity (ROE) | 11.9919% | 2,047 |
| Retained earnings to average equity (ytd only) | 7.7455% | 2,136 |
| Net charge-offs to loans | -0.0013% | 3,155 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3745% | 2,050 |
| Assets per employee ($millions) | 6.1038% | 2,585 |
| Cash dividends to net income (ytd only)* | 35.4110% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 4,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.3531% | 3,264 |
| Net loans and leases to deposits | 56.4141% | 3,545 |
| Net loans and leases to core deposits | 61.9405% | 3,329 |
| Total domestic deposits to total assets | 91.0288% | 362 |
| Equity capital to assets | 7.8552% | 4,583 |
| Core capital (leverage) ratio | 7.5018% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1473% | 2,659 |
| Memoranda: | ||
| Average total assets | $196,919,500 | 3,124 |
| Average earning assets | $180,976,750 | 3,126 |
| Average equity | $16,232,750 | 3,569 |
| Average total loans | $103,619,250 | 3,192 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6400% | 2,498 |
| Cost of funding earning assets | 0.4413% | 1,586 |
| Net interest margin | 3.1987% | 2,762 |
| Noninterest income to average assets | 0.8708% | 1,352 |
| Noninterest expense to average assets | 2.5390% | 2,027 |
| Loan and lease loss provision to assets | 0.0414% | 2,182 |
| Net operating income to assets | 0.9295% | 3,134 |
| Return on assets (ROA) | 0.9908% | 3,006 |
| Pretax return on assets | 1.2990% | 2,632 |
| Return on Equity (ROE) | 11.8201% | 2,127 |
| Retained earnings to average equity (ytd only) | 11.8201% | 958 |
| Net charge-offs to loans | -0.0137% | 3,810 |
| Credit loss provision to net charge-offs | -571.4286% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7845% | 2,045 |
| Assets per employee ($millions) | 5.9069% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 3,906 |
| Loan loss allowance to noncurrent loans | 5,411.1111% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 4,251 |
| Noncurrent loans to loans | 0.0180% | 4,131 |
| Net loans and leases to total assets | 49.2569% | 3,630 |
| Net loans and leases to deposits | 54.3873% | 3,831 |
| Net loans and leases to core deposits | 59.8251% | 3,629 |
| Total domestic deposits to total assets | 90.5669% | 530 |
| Equity capital to assets | 8.4602% | 4,232 |
| Core capital (leverage) ratio | 7.7409% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6600% | 2,487 |
| Memoranda: | ||
| Average total assets | $193,382,667 | 3,149 |
| Average earning assets | $177,199,667 | 3,157 |
| Average equity | $16,209,667 | 3,581 |
| Average total loans | $102,312,000 | 3,223 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 2,370 |
| Cost of funding earning assets | 0.4639% | 1,630 |
| Net interest margin | 3.2315% | 2,598 |
| Noninterest income to average assets | 0.7572% | 1,691 |
| Noninterest expense to average assets | 2.5161% | 2,137 |
| Loan and lease loss provision to assets | 0.0633% | 1,871 |
| Net operating income to assets | 0.8726% | 3,202 |
| Return on assets (ROA) | 0.9976% | 2,907 |
| Pretax return on assets | 1.3034% | 2,558 |
| Return on Equity (ROE) | 11.9603% | 2,032 |
| Retained earnings to average equity (ytd only) | 11.9603% | 1,158 |
| Net charge-offs to loans | -0.0270% | 4,126 |
| Credit loss provision to net charge-offs | -428.5714% | 3,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5538% | 2,000 |
| Assets per employee ($millions) | 5.7572% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 4,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.3907% | 3,300 |
| Net loans and leases to deposits | 58.7542% | 3,583 |
| Net loans and leases to core deposits | 64.5245% | 3,366 |
| Total domestic deposits to total assets | 90.8712% | 446 |
| Equity capital to assets | 8.0289% | 4,472 |
| Core capital (leverage) ratio | 7.9526% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2832% | 2,872 |
| Memoranda: | ||
| Average total assets | $189,656,500 | 3,168 |
| Average earning assets | $174,160,000 | 3,177 |
| Average equity | $15,819,000 | 3,610 |
| Average total loans | $103,518,500 | 3,215 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 2,618 |
| Cost of funding earning assets | 0.7697% | 1,347 |
| Net interest margin | 3.2660% | 3,167 |
| Noninterest income to average assets | 0.5418% | 2,459 |
| Noninterest expense to average assets | 2.7143% | 2,200 |
| Loan and lease loss provision to assets | 0.1251% | 2,799 |
| Net operating income to assets | 0.5407% | 3,930 |
| Return on assets (ROA) | 0.6693% | 3,654 |
| Pretax return on assets | 0.7665% | 3,714 |
| Return on Equity (ROE) | 7.5089% | 2,994 |
| Retained earnings to average equity (ytd only) | 4.1331% | 2,744 |
| Net charge-offs to loans | -0.0011% | 3,946 |
| Credit loss provision to net charge-offs | -21,500.0000% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4921% | 998 |
| Assets per employee ($millions) | 5.7365% | 2,594 |
| Cash dividends to net income (ytd only)* | 44.9565% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 4,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 54.8224% | 3,410 |
| Net loans and leases to deposits | 60.7634% | 3,702 |
| Net loans and leases to core deposits | 66.5743% | 3,497 |
| Total domestic deposits to total assets | 90.2228% | 477 |
| Equity capital to assets | 8.6736% | 4,316 |
| Core capital (leverage) ratio | 8.0520% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3781% | 2,828 |
| Memoranda: | ||
| Average total assets | $171,829,600 | 3,180 |
| Average earning assets | $153,430,800 | 3,232 |
| Average equity | $15,315,200 | 3,628 |
| Average total loans | $94,671,800 | 3,321 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 2,538 |
| Cost of funding earning assets | 0.8373% | 1,323 |
| Net interest margin | 3.3070% | 3,164 |
| Noninterest income to average assets | 0.6331% | 2,060 |
| Noninterest expense to average assets | 2.8104% | 1,940 |
| Loan and lease loss provision to assets | 0.1462% | 2,560 |
| Net operating income to assets | 0.4688% | 4,121 |
| Return on assets (ROA) | 0.5881% | 3,905 |
| Pretax return on assets | 0.7381% | 3,804 |
| Return on Equity (ROE) | 6.5507% | 3,358 |
| Retained earnings to average equity (ytd only) | 2.0048% | 3,930 |
| Net charge-offs to loans | -0.0014% | 3,849 |
| Credit loss provision to net charge-offs | -18,500.0000% | 4,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2697% | 921 |
| Assets per employee ($millions) | 5.3145% | 2,876 |
| Cash dividends to net income (ytd only)* | 69.3960% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 4,008 |
| Loan loss allowance to noncurrent loans | 543.6364% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 3,961 |
| Noncurrent loans to loans | 0.1692% | 3,703 |
| Net loans and leases to total assets | 55.1004% | 3,698 |
| Net loans and leases to deposits | 61.2111% | 3,980 |
| Net loans and leases to core deposits | 67.4625% | 3,796 |
| Total domestic deposits to total assets | 90.0170% | 421 |
| Equity capital to assets | 8.7679% | 4,276 |
| Core capital (leverage) ratio | 7.9618% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4555% | 2,805 |
| Memoranda: | ||
| Average total assets | $168,894,750 | 3,189 |
| Average earning assets | $148,731,500 | 3,259 |
| Average equity | $15,163,500 | 3,638 |
| Average total loans | $92,948,750 | 3,369 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 2,425 |
| Cost of funding earning assets | 0.9273% | 1,249 |
| Net interest margin | 3.3912% | 3,129 |
| Noninterest income to average assets | 0.6393% | 1,977 |
| Noninterest expense to average assets | 2.8141% | 2,069 |
| Loan and lease loss provision to assets | 0.1140% | 2,879 |
| Net operating income to assets | 0.4950% | 4,036 |
| Return on assets (ROA) | 0.6741% | 3,595 |
| Pretax return on assets | 0.8553% | 3,444 |
| Return on Equity (ROE) | 7.4475% | 2,952 |
| Retained earnings to average equity (ytd only) | 7.4475% | 1,481 |
| Net charge-offs to loans | -0.0044% | 3,977 |
| Credit loss provision to net charge-offs | -4,750.0000% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1231% | 948 |
| Assets per employee ($millions) | 5.2619% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 4,153 |
| Loan loss allowance to noncurrent loans | 511.3924% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 4,090 |
| Noncurrent loans to loans | 0.1681% | 3,782 |
| Net loans and leases to total assets | 52.0855% | 4,025 |
| Net loans and leases to deposits | 57.7911% | 4,233 |
| Net loans and leases to core deposits | 63.6544% | 4,096 |
| Total domestic deposits to total assets | 90.1271% | 369 |
| Equity capital to assets | 8.7449% | 4,318 |
| Core capital (leverage) ratio | 8.3579% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4504% | 2,420 |
| Memoranda: | ||
| Average total assets | $166,733,667 | 3,183 |
| Average earning assets | $143,429,000 | 3,304 |
| Average equity | $15,092,333 | 3,649 |
| Average total loans | $91,421,333 | 3,389 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,166 |
| Cost of funding earning assets | 1.0421% | 1,250 |
| Net interest margin | 3.8691% | 1,761 |
| Noninterest income to average assets | 0.4233% | 2,946 |
| Noninterest expense to average assets | 2.8161% | 2,389 |
| Loan and lease loss provision to assets | 0.0373% | 3,304 |
| Net operating income to assets | 0.6939% | 3,294 |
| Return on assets (ROA) | 1.0657% | 2,053 |
| Pretax return on assets | 1.3869% | 1,603 |
| Return on Equity (ROE) | 11.5551% | 1,243 |
| Retained earnings to average equity (ytd only) | 11.5551% | 475 |
| Net charge-offs to loans | 0.0044% | 2,417 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 383.0000% | 178 |
| Efficiency ratio | 74.7028% | 1,725 |
| Assets per employee ($millions) | 5.0114% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 4,352 |
| Loan loss allowance to noncurrent loans | 458.8608% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 3,758 |
| Noncurrent loans to loans | 0.1794% | 3,835 |
| Net loans and leases to total assets | 52.8142% | 4,068 |
| Net loans and leases to deposits | 58.7663% | 4,260 |
| Net loans and leases to core deposits | 65.2366% | 4,117 |
| Total domestic deposits to total assets | 89.8716% | 363 |
| Equity capital to assets | 8.9971% | 4,600 |
| Core capital (leverage) ratio | 8.8002% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4743% | 2,085 |
| Memoranda: | ||
| Average total assets | $160,648,500 | 3,211 |
| Average earning assets | $138,947,500 | 3,325 |
| Average equity | $14,816,000 | 3,683 |
| Average total loans | $90,136,500 | 3,394 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 2,298 |
| Cost of funding earning assets | 1.0272% | 1,613 |
| Net interest margin | 3.6814% | 2,865 |
| Noninterest income to average assets | 0.4252% | 3,138 |
| Noninterest expense to average assets | 2.7803% | 2,667 |
| Loan and lease loss provision to assets | 0.0405% | 3,202 |
| Net operating income to assets | 0.8301% | 3,458 |
| Return on assets (ROA) | 0.8347% | 3,525 |
| Pretax return on assets | 0.9640% | 3,562 |
| Return on Equity (ROE) | 9.0376% | 2,738 |
| Retained earnings to average equity (ytd only) | 5.3744% | 2,236 |
| Net charge-offs to loans | -0.0011% | 4,180 |
| Credit loss provision to net charge-offs | -6,200.0000% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5614% | 1,661 |
| Assets per employee ($millions) | 5.0297% | 2,555 |
| Cash dividends to net income (ytd only)* | 40.5321% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 4,387 |
| Loan loss allowance to noncurrent loans | 353.7313% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 3,999 |
| Noncurrent loans to loans | 0.2180% | 3,673 |
| Net loans and leases to total assets | 58.6804% | 3,702 |
| Net loans and leases to deposits | 65.6029% | 3,975 |
| Net loans and leases to core deposits | 73.2904% | 3,775 |
| Total domestic deposits to total assets | 89.4479% | 512 |
| Equity capital to assets | 9.4618% | 4,379 |
| Core capital (leverage) ratio | 8.9438% | 4,569 |
| Tier 1 risk-based capital ratio | 13.2682% | 3,644 |
| Total risk-based capital ratio | 13.9552% | 3,830 |
| Memoranda: | ||
| Average total assets | $153,113,800 | 3,257 |
| Average earning assets | $139,512,200 | 3,283 |
| Average equity | $14,141,000 | 3,732 |
| Average total loans | $88,960,000 | 3,421 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 2,309 |
| Cost of funding earning assets | 1.0061% | 1,737 |
| Net interest margin | 3.7303% | 2,821 |
| Noninterest income to average assets | 0.4619% | 2,948 |
| Noninterest expense to average assets | 2.8265% | 2,484 |
| Loan and lease loss provision to assets | 0.0376% | 3,145 |
| Net operating income to assets | 0.7932% | 3,694 |
| Return on assets (ROA) | 0.7987% | 3,751 |
| Pretax return on assets | 1.0104% | 3,561 |
| Return on Equity (ROE) | 8.7025% | 3,005 |
| Retained earnings to average equity (ytd only) | 3.7650% | 3,511 |
| Net charge-offs to loans | -0.0045% | 4,182 |
| Credit loss provision to net charge-offs | -1,433.3333% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0830% | 1,686 |
| Assets per employee ($millions) | 4.7443% | 2,860 |
| Cash dividends to net income (ytd only)* | 56.7362% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 4,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 58.8665% | 3,789 |
| Net loans and leases to deposits | 65.9513% | 4,067 |
| Net loans and leases to core deposits | 74.3585% | 3,806 |
| Total domestic deposits to total assets | 89.2575% | 535 |
| Equity capital to assets | 9.5200% | 4,432 |
| Core capital (leverage) ratio | 8.9344% | 4,680 |
| Tier 1 risk-based capital ratio | 13.4494% | 3,600 |
| Total risk-based capital ratio | 14.1452% | 3,802 |
| Memoranda: | ||
| Average total assets | $152,412,000 | 3,298 |
| Average earning assets | $139,144,250 | 3,326 |
| Average equity | $13,988,000 | 3,786 |
| Average total loans | $88,148,500 | 3,482 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 2,567 |
| Cost of funding earning assets | 0.9561% | 1,882 |
| Net interest margin | 3.6780% | 2,994 |
| Noninterest income to average assets | 0.4600% | 2,911 |
| Noninterest expense to average assets | 2.8294% | 2,486 |
| Loan and lease loss provision to assets | 0.0354% | 3,119 |
| Net operating income to assets | 0.7897% | 3,694 |
| Return on assets (ROA) | 0.7981% | 3,721 |
| Pretax return on assets | 0.9986% | 3,558 |
| Return on Equity (ROE) | 8.8050% | 2,935 |
| Retained earnings to average equity (ytd only) | 8.8050% | 1,093 |
| Net charge-offs to loans | -0.0160% | 4,477 |
| Credit loss provision to net charge-offs | -385.7143% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4354% | 1,709 |
| Assets per employee ($millions) | 4.9376% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 57.8865% | 3,928 |
| Net loans and leases to deposits | 64.7368% | 4,183 |
| Net loans and leases to core deposits | 72.7115% | 3,963 |
| Total domestic deposits to total assets | 89.4182% | 500 |
| Equity capital to assets | 9.4849% | 4,416 |
| Core capital (leverage) ratio | 8.7076% | 4,837 |
| Tier 1 risk-based capital ratio | 13.5223% | 3,572 |
| Total risk-based capital ratio | 14.1998% | 3,775 |
| Memoranda: | ||
| Average total assets | $152,610,000 | 3,323 |
| Average earning assets | $140,782,330 | 3,314 |
| Average equity | $13,833,000 | 3,809 |
| Average total loans | $87,510,330 | 3,514 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 3,179 |
| Cost of funding earning assets | 0.8708% | 2,150 |
| Net interest margin | 3.5421% | 3,454 |
| Noninterest income to average assets | 0.4305% | 2,976 |
| Noninterest expense to average assets | 2.8140% | 2,526 |
| Loan and lease loss provision to assets | 0.0341% | 2,947 |
| Net operating income to assets | 0.7114% | 3,898 |
| Return on assets (ROA) | 0.7114% | 3,943 |
| Pretax return on assets | 0.8925% | 3,791 |
| Return on Equity (ROE) | 8.0353% | 3,248 |
| Retained earnings to average equity (ytd only) | 8.0353% | 1,647 |
| Net charge-offs to loans | -0.0277% | 4,616 |
| Credit loss provision to net charge-offs | -216.6667% | 3,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2281% | 1,587 |
| Assets per employee ($millions) | 5.1698% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 4,674 |
| Loan loss allowance to noncurrent loans | 5,550.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 4,280 |
| Noncurrent loans to loans | 0.0134% | 4,723 |
| Net loans and leases to total assets | 55.4888% | 4,098 |
| Net loans and leases to deposits | 61.4156% | 4,338 |
| Net loans and leases to core deposits | 68.3562% | 4,161 |
| Total domestic deposits to total assets | 90.3496% | 335 |
| Equity capital to assets | 8.6383% | 4,906 |
| Core capital (leverage) ratio | 8.7314% | 4,839 |
| Tier 1 risk-based capital ratio | 13.3480% | 3,692 |
| Total risk-based capital ratio | 14.0180% | 3,898 |
| Memoranda: | ||
| Average total assets | $152,382,500 | 3,360 |
| Average earning assets | $142,401,500 | 3,338 |
| Average equity | $13,490,500 | 3,873 |
| Average total loans | $86,622,500 | 3,567 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 2,901 |
| Cost of funding earning assets | 0.6077% | 2,664 |
| Net interest margin | 3.7513% | 2,850 |
| Noninterest income to average assets | 0.4342% | 3,208 |
| Noninterest expense to average assets | 2.8246% | 2,602 |
| Loan and lease loss provision to assets | 0.0139% | 3,866 |
| Net operating income to assets | 0.8513% | 3,602 |
| Return on assets (ROA) | 0.8524% | 3,595 |
| Pretax return on assets | 1.0664% | 3,388 |
| Return on Equity (ROE) | 9.4273% | 2,777 |
| Retained earnings to average equity (ytd only) | 5.9852% | 2,202 |
| Net charge-offs to loans | 0.0075% | 3,419 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 258.8333% | 370 |
| Efficiency ratio | 72.3616% | 1,856 |
| Assets per employee ($millions) | 4.6614% | 2,942 |
| Cash dividends to net income (ytd only)* | 36.5118% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7735% | 4,619 |
| Loan loss allowance to noncurrent loans | 2,940.9091% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 3,810 |
| Noncurrent loans to loans | 0.0263% | 4,657 |
| Net loans and leases to total assets | 57.4414% | 4,016 |
| Net loans and leases to deposits | 63.8286% | 4,265 |
| Net loans and leases to core deposits | 69.2011% | 4,159 |
| Total domestic deposits to total assets | 89.9932% | 483 |
| Equity capital to assets | 9.0912% | 4,499 |
| Core capital (leverage) ratio | 9.0610% | 4,592 |
| Tier 1 risk-based capital ratio | 14.0985% | 3,244 |
| Total risk-based capital ratio | 14.7980% | 3,428 |
| Memoranda: | ||
| Average total assets | $143,948,200 | 3,456 |
| Average earning assets | $133,128,400 | 3,450 |
| Average equity | $13,015,400 | 3,877 |
| Average total loans | $79,802,000 | 3,672 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 2,756 |
| Cost of funding earning assets | 0.5760% | 2,660 |
| Net interest margin | 3.7860% | 2,697 |
| Noninterest income to average assets | 0.4783% | 2,996 |
| Noninterest expense to average assets | 2.7945% | 2,653 |
| Loan and lease loss provision to assets | 0.0111% | 3,777 |
| Net operating income to assets | 0.9161% | 3,454 |
| Return on assets (ROA) | 0.9176% | 3,453 |
| Pretax return on assets | 1.1651% | 3,137 |
| Return on Equity (ROE) | 10.1653% | 2,550 |
| Retained earnings to average equity (ytd only) | 5.5653% | 2,917 |
| Net charge-offs to loans | 0.0034% | 3,349 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 632.6929% | 138 |
| Efficiency ratio | 70.4110% | 2,132 |
| Assets per employee ($millions) | 4.5934% | 2,988 |
| Cash dividends to net income (ytd only)* | 45.2525% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 4,635 |
| Loan loss allowance to noncurrent loans | 316.7488% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 3,977 |
| Noncurrent loans to loans | 0.2514% | 3,789 |
| Net loans and leases to total assets | 56.2586% | 4,195 |
| Net loans and leases to deposits | 62.5342% | 4,422 |
| Net loans and leases to core deposits | 67.3125% | 4,332 |
| Total domestic deposits to total assets | 89.9646% | 520 |
| Equity capital to assets | 8.9932% | 4,556 |
| Core capital (leverage) ratio | 7.9015% | 5,337 |
| Tier 1 risk-based capital ratio | 12.0784% | 4,456 |
| Total risk-based capital ratio | 12.7667% | 4,667 |
| Memoranda: | ||
| Average total assets | $143,851,750 | 3,493 |
| Average earning assets | $132,626,500 | 3,495 |
| Average equity | $12,985,000 | 3,913 |
| Average total loans | $78,839,750 | 3,719 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 2,900 |
| Cost of funding earning assets | 0.5594% | 2,525 |
| Net interest margin | 3.7029% | 2,914 |
| Noninterest income to average assets | 0.4725% | 3,020 |
| Noninterest expense to average assets | 2.7768% | 2,736 |
| Loan and lease loss provision to assets | 0.0069% | 3,698 |
| Net operating income to assets | 0.8735% | 3,571 |
| Return on assets (ROA) | 0.8757% | 3,562 |
| Pretax return on assets | 1.1127% | 3,259 |
| Return on Equity (ROE) | 9.6898% | 2,720 |
| Retained earnings to average equity (ytd only) | 9.6898% | 1,012 |
| Net charge-offs to loans | -0.0077% | 4,225 |
| Credit loss provision to net charge-offs | -166.6667% | 4,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3167% | 2,112 |
| Assets per employee ($millions) | 4.7245% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 4,669 |
| Loan loss allowance to noncurrent loans | 448.2517% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 4,278 |
| Noncurrent loans to loans | 0.1801% | 4,099 |
| Net loans and leases to total assets | 53.7765% | 4,359 |
| Net loans and leases to deposits | 59.6846% | 4,547 |
| Net loans and leases to core deposits | 64.7461% | 4,445 |
| Total domestic deposits to total assets | 90.1011% | 540 |
| Equity capital to assets | 8.9246% | 4,617 |
| Core capital (leverage) ratio | 8.0300% | 5,337 |
| Tier 1 risk-based capital ratio | 13.1094% | 3,842 |
| Total risk-based capital ratio | 13.8220% | 4,041 |
| Memoranda: | ||
| Average total assets | $144,337,000 | 3,510 |
| Average earning assets | $133,355,330 | 3,508 |
| Average equity | $13,044,670 | 3,927 |
| Average total loans | $78,202,000 | 3,749 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 2,736 |
| Cost of funding earning assets | 0.5367% | 2,498 |
| Net interest margin | 3.7059% | 2,774 |
| Noninterest income to average assets | 0.4718% | 2,989 |
| Noninterest expense to average assets | 2.7946% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8738% | 3,398 |
| Return on assets (ROA) | 0.8738% | 3,415 |
| Pretax return on assets | 1.1084% | 3,144 |
| Return on Equity (ROE) | 9.6075% | 2,631 |
| Retained earnings to average equity (ytd only) | 9.6075% | 1,283 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6023% | 2,249 |
| Assets per employee ($millions) | 4.8695% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 4,772 |
| Loan loss allowance to noncurrent loans | 442.6573% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 4,376 |
| Noncurrent loans to loans | 0.1827% | 4,146 |
| Net loans and leases to total assets | 53.1458% | 4,356 |
| Net loans and leases to deposits | 58.9372% | 4,542 |
| Net loans and leases to core deposits | 63.9396% | 4,424 |
| Total domestic deposits to total assets | 90.1735% | 592 |
| Equity capital to assets | 8.8606% | 4,697 |
| Core capital (leverage) ratio | 8.1428% | 5,347 |
| Tier 1 risk-based capital ratio | 12.5880% | 4,184 |
| Total risk-based capital ratio | 13.2698% | 4,428 |
| Memoranda: | ||
| Average total assets | $143,275,500 | 3,557 |
| Average earning assets | $132,652,500 | 3,555 |
| Average equity | $13,031,500 | 3,963 |
| Average total loans | $77,602,000 | 3,795 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 2,529 |
| Cost of funding earning assets | 0.5156% | 2,206 |
| Net interest margin | 3.7262% | 2,689 |
| Noninterest income to average assets | 0.4206% | 3,500 |
| Noninterest expense to average assets | 2.9413% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6802% | 3,681 |
| Return on assets (ROA) | 0.6802% | 3,735 |
| Pretax return on assets | 0.9202% | 3,842 |
| Return on Equity (ROE) | 6.6465% | 3,453 |
| Retained earnings to average equity (ytd only) | 3.4531% | 3,214 |
| Net charge-offs to loans | 0.1281% | 1,762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.2604% | 2,488 |
| Efficiency ratio | 76.1693% | 1,592 |
| Assets per employee ($millions) | 4.6822% | 2,893 |
| Cash dividends to net income (ytd only)* | 48.0460% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 4,768 |
| Loan loss allowance to noncurrent loans | 585.1852% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 4,374 |
| Noncurrent loans to loans | 0.1404% | 4,362 |
| Net loans and leases to total assets | 54.3199% | 4,334 |
| Net loans and leases to deposits | 60.5708% | 4,530 |
| Net loans and leases to core deposits | 64.2952% | 4,516 |
| Total domestic deposits to total assets | 89.6801% | 694 |
| Equity capital to assets | 9.3396% | 4,391 |
| Core capital (leverage) ratio | 9.1392% | 4,475 |
| Tier 1 risk-based capital ratio | 14.3192% | 3,190 |
| Total risk-based capital ratio | 15.0323% | 3,396 |
| Memoranda: | ||
| Average total assets | $127,904,000 | 3,778 |
| Average earning assets | $118,108,200 | 3,782 |
| Average equity | $13,089,600 | 3,972 |
| Average total loans | $74,970,000 | 3,849 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 2,281 |
| Cost of funding earning assets | 0.5105% | 2,184 |
| Net interest margin | 3.7830% | 2,467 |
| Noninterest income to average assets | 0.4478% | 3,346 |
| Noninterest expense to average assets | 2.9025% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7299% | 3,818 |
| Return on assets (ROA) | 0.7299% | 3,893 |
| Pretax return on assets | 1.0377% | 3,531 |
| Return on Equity (ROE) | 6.9609% | 3,681 |
| Retained earnings to average equity (ytd only) | 2.7008% | 4,281 |
| Net charge-offs to loans | 0.1844% | 1,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 9.4271% | 2,694 |
| Efficiency ratio | 73.6642% | 1,945 |
| Assets per employee ($millions) | 4.4711% | 3,197 |
| Cash dividends to net income (ytd only)* | 61.2009% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 4,860 |
| Loan loss allowance to noncurrent loans | 332.9787% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 4,449 |
| Noncurrent loans to loans | 0.2439% | 4,080 |
| Net loans and leases to total assets | 55.1611% | 4,308 |
| Net loans and leases to deposits | 61.7213% | 4,537 |
| Net loans and leases to core deposits | 65.5796% | 4,512 |
| Total domestic deposits to total assets | 89.3712% | 714 |
| Equity capital to assets | 9.5516% | 4,393 |
| Core capital (leverage) ratio | 10.0516% | 3,506 |
| Tier 1 risk-based capital ratio | 14.4781% | 3,197 |
| Total risk-based capital ratio | 15.2031% | 3,391 |
| Memoranda: | ||
| Average total assets | $124,763,500 | 3,867 |
| Average earning assets | $115,177,500 | 3,866 |
| Average equity | $13,082,250 | 4,014 |
| Average total loans | $74,479,250 | 3,890 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 1,987 |
| Cost of funding earning assets | 0.5260% | 1,953 |
| Net interest margin | 3.8186% | 2,218 |
| Noninterest income to average assets | 0.4811% | 3,141 |
| Noninterest expense to average assets | 2.9846% | 2,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7224% | 3,747 |
| Return on assets (ROA) | 0.7224% | 3,819 |
| Pretax return on assets | 1.0254% | 3,461 |
| Return on Equity (ROE) | 6.6616% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.6616% | 1,762 |
| Net charge-offs to loans | 0.2201% | 926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.6049% | 2,589 |
| Efficiency ratio | 74.4292% | 1,934 |
| Assets per employee ($millions) | 4.4719% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 4,732 |
| Loan loss allowance to noncurrent loans | 762.3529% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 4,783 |
| Noncurrent loans to loans | 0.1149% | 4,660 |
| Net loans and leases to total assets | 60.7396% | 3,766 |
| Net loans and leases to deposits | 69.1415% | 3,975 |
| Net loans and leases to core deposits | 74.0165% | 3,937 |
| Total domestic deposits to total assets | 87.8483% | 1,533 |
| Equity capital to assets | 11.1040% | 2,701 |
| Core capital (leverage) ratio | 11.0999% | 2,316 |
| Tier 1 risk-based capital ratio | 16.6934% | 2,244 |
| Total risk-based capital ratio | 17.4997% | 2,354 |
| Memoranda: | ||
| Average total assets | $120,149,670 | 3,959 |
| Average earning assets | $111,036,330 | 3,962 |
| Average equity | $13,030,000 | 4,034 |
| Average total loans | $73,611,670 | 3,934 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 2,104 |
| Cost of funding earning assets | 0.5359% | 1,817 |
| Net interest margin | 3.7116% | 2,452 |
| Noninterest income to average assets | 0.4505% | 3,312 |
| Noninterest expense to average assets | 2.9336% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6374% | 3,989 |
| Return on assets (ROA) | 0.6374% | 4,030 |
| Pretax return on assets | 0.9378% | 3,636 |
| Return on Equity (ROE) | 5.9495% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.9495% | 2,373 |
| Net charge-offs to loans | 0.1580% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.6897% | 1,979 |
| Efficiency ratio | 75.7759% | 1,946 |
| Assets per employee ($millions) | 4.4702% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,435 |
| Loan loss allowance to noncurrent loans | 463.5762% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 4,515 |
| Noncurrent loans to loans | 0.2096% | 4,362 |
| Net loans and leases to total assets | 59.1143% | 3,873 |
| Net loans and leases to deposits | 67.0274% | 4,084 |
| Net loans and leases to core deposits | 71.7296% | 4,007 |
| Total domestic deposits to total assets | 88.1942% | 1,598 |
| Equity capital to assets | 10.7461% | 2,911 |
| Core capital (leverage) ratio | 10.8371% | 2,561 |
| Tier 1 risk-based capital ratio | 16.2267% | 2,465 |
| Total risk-based capital ratio | 17.1025% | 2,553 |
| Memoranda: | ||
| Average total assets | $119,854,500 | 3,999 |
| Average earning assets | $110,463,500 | 4,008 |
| Average equity | $12,841,500 | 4,081 |
| Average total loans | $73,425,000 | 3,963 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 1,924 |
| Cost of funding earning assets | 0.5692% | 1,544 |
| Net interest margin | 3.7974% | 2,326 |
| Noninterest income to average assets | 0.4001% | 3,881 |
| Noninterest expense to average assets | 2.8270% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7767% | 3,420 |
| Return on assets (ROA) | 0.8289% | 3,271 |
| Pretax return on assets | 1.1524% | 2,889 |
| Return on Equity (ROE) | 7.5862% | 3,175 |
| Retained earnings to average equity (ytd only) | 4.3559% | 2,801 |
| Net charge-offs to loans | 0.0106% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 160.2500% | 405 |
| Efficiency ratio | 72.3588% | 2,534 |
| Assets per employee ($millions) | 4.4079% | 3,259 |
| Cash dividends to net income (ytd only)* | 42.5813% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 4,459 |
| Loan loss allowance to noncurrent loans | 364.5000% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 3,314 |
| Noncurrent loans to loans | 0.2674% | 4,193 |
| Net loans and leases to total assets | 62.2389% | 3,581 |
| Net loans and leases to deposits | 70.3561% | 3,873 |
| Net loans and leases to core deposits | 75.5754% | 3,786 |
| Total domestic deposits to total assets | 88.4627% | 1,395 |
| Equity capital to assets | 10.6819% | 2,946 |
| Core capital (leverage) ratio | 10.5132% | 2,869 |
| Tier 1 risk-based capital ratio | 15.4187% | 2,781 |
| Total risk-based capital ratio | 16.3161% | 2,868 |
| Memoranda: | ||
| Average total assets | $118,712,800 | 4,019 |
| Average earning assets | $109,627,600 | 4,012 |
| Average equity | $12,971,000 | 4,090 |
| Average total loans | $75,797,400 | 3,906 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 1,919 |
| Cost of funding earning assets | 0.5723% | 1,530 |
| Net interest margin | 3.8075% | 2,304 |
| Noninterest income to average assets | 0.3832% | 4,040 |
| Noninterest expense to average assets | 2.8433% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7359% | 3,661 |
| Return on assets (ROA) | 0.8035% | 3,490 |
| Pretax return on assets | 1.1508% | 3,046 |
| Return on Equity (ROE) | 7.3132% | 3,394 |
| Retained earnings to average equity (ytd only) | 3.0276% | 4,098 |
| Net charge-offs to loans | -0.0017% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9527% | 2,444 |
| Assets per employee ($millions) | 4.4304% | 3,190 |
| Cash dividends to net income (ytd only)* | 58.6011% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 4,648 |
| Loan loss allowance to noncurrent loans | 946.1538% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 4,316 |
| Noncurrent loans to loans | 0.1007% | 4,936 |
| Net loans and leases to total assets | 64.1214% | 3,385 |
| Net loans and leases to deposits | 72.8449% | 3,719 |
| Net loans and leases to core deposits | 78.2426% | 3,646 |
| Total domestic deposits to total assets | 88.0246% | 1,393 |
| Equity capital to assets | 10.8569% | 3,194 |
| Core capital (leverage) ratio | 10.3546% | 3,150 |
| Tier 1 risk-based capital ratio | 15.4077% | 2,870 |
| Total risk-based capital ratio | 16.3326% | 2,949 |
| Memoranda: | ||
| Average total assets | $118,637,500 | 4,048 |
| Average earning assets | $109,499,500 | 4,043 |
| Average equity | $13,035,500 | 4,115 |
| Average total loans | $76,046,250 | 3,929 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 1,936 |
| Cost of funding earning assets | 0.5752% | 1,500 |
| Net interest margin | 3.7883% | 2,373 |
| Noninterest income to average assets | 0.3702% | 4,101 |
| Noninterest expense to average assets | 2.8552% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7046% | 3,765 |
| Return on assets (ROA) | 0.8064% | 3,414 |
| Pretax return on assets | 1.1563% | 2,962 |
| Return on Equity (ROE) | 7.3094% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.3094% | 1,469 |
| Net charge-offs to loans | -0.0053% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8522% | 2,384 |
| Assets per employee ($millions) | 4.5970% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,727 |
| Loan loss allowance to noncurrent loans | 317.1674% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 4,555 |
| Noncurrent loans to loans | 0.3024% | 4,289 |
| Net loans and leases to total assets | 63.8555% | 3,383 |
| Net loans and leases to deposits | 72.7826% | 3,720 |
| Net loans and leases to core deposits | 78.1932% | 3,627 |
| Total domestic deposits to total assets | 87.7346% | 1,555 |
| Equity capital to assets | 11.2121% | 2,834 |
| Core capital (leverage) ratio | 10.8119% | 2,636 |
| Tier 1 risk-based capital ratio | 16.1536% | 2,569 |
| Total risk-based capital ratio | 17.0784% | 2,666 |
| Memoranda: | ||
| Average total assets | $118,310,000 | 4,081 |
| Average earning assets | $109,179,670 | 4,076 |
| Average equity | $13,051,670 | 4,146 |
| Average total loans | $75,581,670 | 3,962 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 1,900 |
| Cost of funding earning assets | 0.5830% | 1,459 |
| Net interest margin | 3.7858% | 2,343 |
| Noninterest income to average assets | 0.4316% | 3,604 |
| Noninterest expense to average assets | 2.8818% | 2,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7256% | 3,593 |
| Return on assets (ROA) | 0.8564% | 3,081 |
| Pretax return on assets | 1.2234% | 2,610 |
| Return on Equity (ROE) | 7.8279% | 3,013 |
| Retained earnings to average equity (ytd only) | 7.8279% | 1,531 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5473% | 2,545 |
| Assets per employee ($millions) | 4.5561% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 4,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 3,930 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.0632% | 3,375 |
| Net loans and leases to deposits | 71.7680% | 3,673 |
| Net loans and leases to core deposits | 77.5807% | 3,534 |
| Total domestic deposits to total assets | 87.8709% | 1,713 |
| Equity capital to assets | 11.0114% | 2,924 |
| Core capital (leverage) ratio | 10.8266% | 2,595 |
| Tier 1 risk-based capital ratio | 15.9626% | 2,701 |
| Total risk-based capital ratio | 16.8865% | 2,778 |
| Memoranda: | ||
| Average total assets | $117,703,500 | 4,126 |
| Average earning assets | $108,405,000 | 4,119 |
| Average equity | $12,877,000 | 4,179 |
| Average total loans | $74,842,000 | 4,005 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 1,980 |
| Cost of funding earning assets | 0.6417% | 1,116 |
| Net interest margin | 3.7346% | 2,627 |
| Noninterest income to average assets | 0.4253% | 3,851 |
| Noninterest expense to average assets | 2.8101% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7835% | 3,406 |
| Return on assets (ROA) | 0.8080% | 3,385 |
| Pretax return on assets | 1.1165% | 2,975 |
| Return on Equity (ROE) | 7.4809% | 3,255 |
| Retained earnings to average equity (ytd only) | 4.1035% | 3,087 |
| Net charge-offs to loans | 0.0248% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 70.5556% | 765 |
| Efficiency ratio | 72.1918% | 2,877 |
| Assets per employee ($millions) | 4.6779% | 2,761 |
| Cash dividends to net income (ytd only)* | 45.1477% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 4,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 3,918 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 62.8536% | 3,440 |
| Net loans and leases to deposits | 71.2779% | 3,791 |
| Net loans and leases to core deposits | 77.1717% | 3,652 |
| Total domestic deposits to total assets | 88.1811% | 1,540 |
| Equity capital to assets | 10.8681% | 2,972 |
| Core capital (leverage) ratio | 10.6211% | 2,811 |
| Tier 1 risk-based capital ratio | 15.9204% | 2,728 |
| Total risk-based capital ratio | 16.8592% | 2,814 |
| Memoranda: | ||
| Average total assets | $117,326,600 | 4,110 |
| Average earning assets | $108,928,600 | 4,081 |
| Average equity | $12,672,200 | 4,194 |
| Average total loans | $72,674,200 | 4,029 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 1,814 |
| Cost of funding earning assets | 0.6463% | 1,116 |
| Net interest margin | 3.7826% | 2,453 |
| Noninterest income to average assets | 0.4599% | 3,637 |
| Noninterest expense to average assets | 2.8103% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8198% | 3,338 |
| Return on assets (ROA) | 0.8198% | 3,423 |
| Pretax return on assets | 1.1650% | 2,948 |
| Return on Equity (ROE) | 7.6021% | 3,285 |
| Retained earnings to average equity (ytd only) | 3.0956% | 4,251 |
| Net charge-offs to loans | 0.0258% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 73.2710% | 789 |
| Efficiency ratio | 70.6941% | 3,096 |
| Assets per employee ($millions) | 4.6927% | 2,719 |
| Cash dividends to net income (ytd only)* | 59.2797% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 4,650 |
| Loan loss allowance to noncurrent loans | 323.5808% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 3,430 |
| Noncurrent loans to loans | 0.3147% | 4,468 |
| Net loans and leases to total assets | 61.3892% | 3,680 |
| Net loans and leases to deposits | 69.5637% | 4,034 |
| Net loans and leases to core deposits | 75.4911% | 3,857 |
| Total domestic deposits to total assets | 88.2489% | 1,425 |
| Equity capital to assets | 10.7717% | 3,272 |
| Core capital (leverage) ratio | 10.4462% | 3,108 |
| Tier 1 risk-based capital ratio | 15.7683% | 2,912 |
| Total risk-based capital ratio | 16.7243% | 2,991 |
| Memoranda: | ||
| Average total assets | $117,421,250 | 4,153 |
| Average earning assets | $109,129,000 | 4,129 |
| Average equity | $12,662,750 | 4,246 |
| Average total loans | $72,282,000 | 4,074 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 2,046 |
| Cost of funding earning assets | 0.6423% | 1,148 |
| Net interest margin | 3.6974% | 2,720 |
| Noninterest income to average assets | 0.4819% | 3,490 |
| Noninterest expense to average assets | 2.8113% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7969% | 3,407 |
| Return on assets (ROA) | 0.7969% | 3,499 |
| Pretax return on assets | 1.1306% | 3,047 |
| Return on Equity (ROE) | 7.3868% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.3868% | 1,528 |
| Net charge-offs to loans | 0.0388% | 2,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 47.4286% | 994 |
| Efficiency ratio | 71.3175% | 3,108 |
| Assets per employee ($millions) | 4.6608% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 4,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 4,225 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 63.3914% | 3,356 |
| Net loans and leases to deposits | 72.5563% | 3,668 |
| Net loans and leases to core deposits | 78.8680% | 3,498 |
| Total domestic deposits to total assets | 87.3686% | 1,981 |
| Equity capital to assets | 10.9158% | 2,974 |
| Core capital (leverage) ratio | 10.5425% | 2,900 |
| Tier 1 risk-based capital ratio | 16.0313% | 2,838 |
| Total risk-based capital ratio | 16.9783% | 2,934 |
| Memoranda: | ||
| Average total assets | $117,456,000 | 4,200 |
| Average earning assets | $109,915,330 | 4,158 |
| Average equity | $12,671,330 | 4,267 |
| Average total loans | $72,122,330 | 4,104 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 2,451 |
| Cost of funding earning assets | 0.6363% | 1,195 |
| Net interest margin | 3.5667% | 3,141 |
| Noninterest income to average assets | 0.4410% | 3,688 |
| Noninterest expense to average assets | 2.8221% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6750% | 3,920 |
| Return on assets (ROA) | 0.6750% | 4,039 |
| Pretax return on assets | 0.9464% | 3,711 |
| Return on Equity (ROE) | 6.2937% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.2937% | 2,337 |
| Net charge-offs to loans | 0.0621% | 2,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 25.3636% | 1,268 |
| Efficiency ratio | 74.8875% | 2,670 |
| Assets per employee ($millions) | 4.8463% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 4,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9219% | 2,794 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 59.1497% | 3,779 |
| Net loans and leases to deposits | 67.5069% | 4,001 |
| Net loans and leases to core deposits | 73.1116% | 3,861 |
| Total domestic deposits to total assets | 87.6202% | 2,030 |
| Equity capital to assets | 10.5524% | 3,475 |
| Core capital (leverage) ratio | 10.6493% | 2,791 |
| Tier 1 risk-based capital ratio | 17.6406% | 2,256 |
| Total risk-based capital ratio | 18.6940% | 2,274 |
| Memoranda: | ||
| Average total assets | $117,924,500 | 4,221 |
| Average earning assets | $110,018,000 | 4,182 |
| Average equity | $12,647,500 | 4,297 |
| Average total loans | $70,881,500 | 4,161 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 2,474 |
| Cost of funding earning assets | 0.7112% | 1,044 |
| Net interest margin | 3.6248% | 3,318 |
| Noninterest income to average assets | 0.4754% | 3,670 |
| Noninterest expense to average assets | 2.8578% | 3,270 |
| Loan and lease loss provision to assets | -0.1758% | 6,263 |
| Net operating income to assets | 0.8338% | 3,202 |
| Return on assets (ROA) | 0.9043% | 2,938 |
| Pretax return on assets | 1.2698% | 2,350 |
| Return on Equity (ROE) | 8.4111% | 2,903 |
| Retained earnings to average equity (ytd only) | 5.2069% | 2,463 |
| Net charge-offs to loans | -0.0292% | 5,784 |
| Credit loss provision to net charge-offs | 1,000.0000% | 268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1788% | 2,806 |
| Assets per employee ($millions) | 4.5877% | 2,890 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 4,595 |
| Loan loss allowance to noncurrent loans | 222.7139% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 2,659 |
| Noncurrent loans to loans | 0.4888% | 4,196 |
| Net loans and leases to total assets | 59.8124% | 3,814 |
| Net loans and leases to deposits | 68.5048% | 4,080 |
| Net loans and leases to core deposits | 74.5579% | 3,869 |
| Total domestic deposits to total assets | 87.3112% | 2,122 |
| Equity capital to assets | 10.9075% | 2,999 |
| Core capital (leverage) ratio | 10.6655% | 2,759 |
| Tier 1 risk-based capital ratio | 15.3518% | 3,293 |
| Total risk-based capital ratio | 16.3000% | 3,403 |
| Memoranda: | ||
| Average total assets | $113,794,600 | 4,309 |
| Average earning assets | $106,019,000 | 4,267 |
| Average equity | $12,233,800 | 4,316 |
| Average total loans | $68,441,200 | 4,225 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 2,421 |
| Cost of funding earning assets | 0.7240% | 1,023 |
| Net interest margin | 3.6265% | 3,326 |
| Noninterest income to average assets | 0.4860% | 3,644 |
| Noninterest expense to average assets | 2.8129% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7291% | 3,791 |
| Return on assets (ROA) | 0.8206% | 3,429 |
| Pretax return on assets | 1.1810% | 2,851 |
| Return on Equity (ROE) | 7.6613% | 3,378 |
| Retained earnings to average equity (ytd only) | 3.3648% | 4,223 |
| Net charge-offs to loans | -0.0293% | 5,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8489% | 3,029 |
| Assets per employee ($millions) | 4.5720% | 2,851 |
| Cash dividends to net income (ytd only)* | 56.0795% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 3,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 3,569 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 59.4754% | 3,871 |
| Net loans and leases to deposits | 67.9953% | 4,128 |
| Net loans and leases to core deposits | 74.0090% | 3,939 |
| Total domestic deposits to total assets | 87.4699% | 2,049 |
| Equity capital to assets | 10.7016% | 3,302 |
| Core capital (leverage) ratio | 10.4961% | 3,047 |
| Tier 1 risk-based capital ratio | 14.9891% | 3,597 |
| Total risk-based capital ratio | 16.1863% | 3,555 |
| Memoranda: | ||
| Average total assets | $113,570,250 | 4,343 |
| Average earning assets | $105,701,250 | 4,314 |
| Average equity | $12,164,750 | 4,354 |
| Average total loans | $68,212,750 | 4,266 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 2,332 |
| Cost of funding earning assets | 0.7321% | 1,012 |
| Net interest margin | 3.6282% | 3,241 |
| Noninterest income to average assets | 0.4730% | 3,686 |
| Noninterest expense to average assets | 2.8396% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7038% | 3,822 |
| Return on assets (ROA) | 0.7730% | 3,556 |
| Pretax return on assets | 1.1083% | 3,072 |
| Return on Equity (ROE) | 7.2144% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.2144% | 1,661 |
| Net charge-offs to loans | -0.0647% | 5,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7735% | 3,012 |
| Assets per employee ($millions) | 4.4689% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 3,277 |
| Loan loss allowance to noncurrent loans | 350.5495% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 1.0087% | 3,050 |
| Noncurrent loans to loans | 0.4034% | 4,779 |
| Net loans and leases to total assets | 59.7155% | 3,770 |
| Net loans and leases to deposits | 68.6033% | 3,982 |
| Net loans and leases to core deposits | 74.9155% | 3,740 |
| Total domestic deposits to total assets | 87.0447% | 2,432 |
| Equity capital to assets | 11.1042% | 2,782 |
| Core capital (leverage) ratio | 10.6731% | 2,751 |
| Tier 1 risk-based capital ratio | 15.3630% | 3,432 |
| Total risk-based capital ratio | 16.5855% | 3,402 |
| Memoranda: | ||
| Average total assets | $113,326,670 | 4,378 |
| Average earning assets | $105,451,670 | 4,340 |
| Average equity | $12,142,330 | 4,368 |
| Average total loans | $67,973,330 | 4,298 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 2,312 |
| Cost of funding earning assets | 0.7400% | 1,016 |
| Net interest margin | 3.6131% | 3,198 |
| Noninterest income to average assets | 0.4451% | 3,822 |
| Noninterest expense to average assets | 2.8564% | 3,351 |
| Loan and lease loss provision to assets | 0.0175% | 3,602 |
| Net operating income to assets | 0.6391% | 4,000 |
| Return on assets (ROA) | 0.7746% | 3,365 |
| Pretax return on assets | 1.1215% | 2,805 |
| Return on Equity (ROE) | 7.3602% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.3602% | 1,875 |
| Net charge-offs to loans | -0.0763% | 5,997 |
| Credit loss provision to net charge-offs | -38.4615% | 4,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1845% | 2,932 |
| Assets per employee ($millions) | 4.5677% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 3,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 3,879 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 59.0856% | 3,688 |
| Net loans and leases to deposits | 67.4872% | 3,917 |
| Net loans and leases to core deposits | 73.3086% | 3,728 |
| Total domestic deposits to total assets | 87.5508% | 2,479 |
| Equity capital to assets | 10.6251% | 3,108 |
| Core capital (leverage) ratio | 10.4121% | 3,031 |
| Tier 1 risk-based capital ratio | 14.9593% | 3,732 |
| Total risk-based capital ratio | 16.1667% | 3,710 |
| Memoranda: | ||
| Average total assets | $114,128,500 | 4,408 |
| Average earning assets | $105,946,500 | 4,364 |
| Average equity | $12,010,500 | 4,417 |
| Average total loans | $68,123,500 | 4,326 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 2,218 |
| Cost of funding earning assets | 0.8240% | 1,074 |
| Net interest margin | 3.6730% | 3,163 |
| Noninterest income to average assets | 0.5313% | 3,541 |
| Noninterest expense to average assets | 2.7387% | 3,955 |
| Loan and lease loss provision to assets | 0.0812% | 3,490 |
| Net operating income to assets | 0.8209% | 3,183 |
| Return on assets (ROA) | 0.8826% | 2,953 |
| Pretax return on assets | 1.2197% | 2,498 |
| Return on Equity (ROE) | 8.5444% | 2,764 |
| Retained earnings to average equity (ytd only) | 5.2121% | 2,470 |
| Net charge-offs to loans | 0.0637% | 4,322 |
| Credit loss provision to net charge-offs | 209.0909% | 1,100 |
| Earnings coverage of net charge-offs (x) | 31.2955% | 1,142 |
| Efficiency ratio | 69.2634% | 3,966 |
| Assets per employee ($millions) | 4.5626% | 2,795 |
| Cash dividends to net income (ytd only)* | 39.0000% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 3,752 |
| Loan loss allowance to noncurrent loans | 247.3545% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 4,014 |
| Noncurrent loans to loans | 0.5573% | 4,598 |
| Net loans and leases to total assets | 58.6402% | 3,928 |
| Net loans and leases to deposits | 68.0641% | 4,045 |
| Net loans and leases to core deposits | 74.0419% | 3,836 |
| Total domestic deposits to total assets | 86.1544% | 3,175 |
| Equity capital to assets | 10.4221% | 3,261 |
| Core capital (leverage) ratio | 10.1823% | 3,320 |
| Tier 1 risk-based capital ratio | 14.8572% | 3,745 |
| Total risk-based capital ratio | 16.0561% | 3,722 |
| Memoranda: | ||
| Average total assets | $113,303,600 | 4,425 |
| Average earning assets | $105,581,600 | 4,375 |
| Average equity | $11,703,600 | 4,508 |
| Average total loans | $69,118,600 | 4,304 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 2,083 |
| Cost of funding earning assets | 0.8332% | 1,137 |
| Net interest margin | 3.7058% | 3,009 |
| Noninterest income to average assets | 0.4786% | 3,944 |
| Noninterest expense to average assets | 2.7700% | 3,762 |
| Loan and lease loss provision to assets | 0.1084% | 2,955 |
| Net operating income to assets | 0.7262% | 3,724 |
| Return on assets (ROA) | 0.8051% | 3,452 |
| Pretax return on assets | 1.1693% | 2,812 |
| Return on Equity (ROE) | 7.8116% | 3,224 |
| Retained earnings to average equity (ytd only) | 3.3511% | 4,295 |
| Net charge-offs to loans | 0.0211% | 4,709 |
| Credit loss provision to net charge-offs | 836.3636% | 359 |
| Earnings coverage of net charge-offs (x) | 89.7048% | 537 |
| Efficiency ratio | 70.4225% | 3,686 |
| Assets per employee ($millions) | 4.5348% | 2,829 |
| Cash dividends to net income (ytd only)* | 57.1016% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 3,713 |
| Loan loss allowance to noncurrent loans | 10,755.5556% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 5,143 |
| Noncurrent loans to loans | 0.0134% | 6,324 |
| Net loans and leases to total assets | 58.2853% | 3,964 |
| Net loans and leases to deposits | 67.6737% | 4,102 |
| Net loans and leases to core deposits | 73.6549% | 3,891 |
| Total domestic deposits to total assets | 86.1268% | 3,178 |
| Equity capital to assets | 10.2417% | 3,586 |
| Core capital (leverage) ratio | 9.9444% | 3,749 |
| Tier 1 risk-based capital ratio | 14.5294% | 4,057 |
| Total risk-based capital ratio | 15.7791% | 4,012 |
| Memoranda: | ||
| Average total assets | $113,113,250 | 4,479 |
| Average earning assets | $105,453,500 | 4,417 |
| Average equity | $11,657,500 | 4,564 |
| Average total loans | $69,442,500 | 4,317 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 1,932 |
| Cost of funding earning assets | 0.8440% | 1,174 |
| Net interest margin | 3.7289% | 2,854 |
| Noninterest income to average assets | 0.4601% | 4,093 |
| Noninterest expense to average assets | 2.7993% | 3,681 |
| Loan and lease loss provision to assets | 0.1628% | 2,293 |
| Net operating income to assets | 0.6708% | 3,956 |
| Return on assets (ROA) | 0.7892% | 3,512 |
| Pretax return on assets | 1.1484% | 2,891 |
| Return on Equity (ROE) | 7.6416% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.6416% | 1,613 |
| Net charge-offs to loans | 0.1794% | 2,682 |
| Credit loss provision to net charge-offs | 146.0317% | 1,568 |
| Earnings coverage of net charge-offs (x) | 10.2222% | 2,175 |
| Efficiency ratio | 71.0692% | 3,632 |
| Assets per employee ($millions) | 4.4856% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 4,388 |
| Loan loss allowance to noncurrent loans | 8,327.2727% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 4,970 |
| Noncurrent loans to loans | 0.0159% | 6,382 |
| Net loans and leases to total assets | 60.9274% | 3,495 |
| Net loans and leases to deposits | 70.8755% | 3,605 |
| Net loans and leases to core deposits | 77.0056% | 3,424 |
| Total domestic deposits to total assets | 85.9640% | 3,387 |
| Equity capital to assets | 10.4022% | 3,426 |
| Core capital (leverage) ratio | 10.0249% | 3,473 |
| Tier 1 risk-based capital ratio | 14.3670% | 4,181 |
| Total risk-based capital ratio | 15.5281% | 4,193 |
| Memoranda: | ||
| Average total assets | $113,027,670 | 4,509 |
| Average earning assets | $105,447,330 | 4,449 |
| Average equity | $11,673,000 | 4,595 |
| Average total loans | $70,241,330 | 4,301 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 1,945 |
| Cost of funding earning assets | 0.8698% | 1,145 |
| Net interest margin | 3.6909% | 2,889 |
| Noninterest income to average assets | 0.4547% | 4,091 |
| Noninterest expense to average assets | 2.7249% | 3,963 |
| Loan and lease loss provision to assets | 0.1058% | 2,922 |
| Net operating income to assets | 0.7367% | 3,500 |
| Return on assets (ROA) | 0.7367% | 3,635 |
| Pretax return on assets | 1.0646% | 3,092 |
| Return on Equity (ROE) | 7.1594% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.1594% | 2,083 |
| Net charge-offs to loans | 0.0113% | 3,919 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 244 |
| Efficiency ratio | 69.9548% | 3,986 |
| Assets per employee ($millions) | 4.5906% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 4,712 |
| Loan loss allowance to noncurrent loans | 8,318.1818% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 5,375 |
| Noncurrent loans to loans | 0.0156% | 6,453 |
| Net loans and leases to total assets | 60.6445% | 3,323 |
| Net loans and leases to deposits | 70.5297% | 3,391 |
| Net loans and leases to core deposits | 76.3061% | 3,273 |
| Total domestic deposits to total assets | 85.9843% | 3,534 |
| Equity capital to assets | 10.2480% | 3,861 |
| Core capital (leverage) ratio | 9.9045% | 3,526 |
| Tier 1 risk-based capital ratio | 14.0055% | 4,497 |
| Total risk-based capital ratio | 15.1604% | 4,531 |
| Memoranda: | ||
| Average total assets | $113,471,500 | 4,536 |
| Average earning assets | $105,773,000 | 4,480 |
| Average equity | $11,677,000 | 4,637 |
| Average total loans | $70,742,000 | 4,322 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 1,993 |
| Cost of funding earning assets | 1.0208% | 1,248 |
| Net interest margin | 3.8381% | 3,069 |
| Noninterest income to average assets | 0.5193% | 3,776 |
| Noninterest expense to average assets | 2.6659% | 4,523 |
| Loan and lease loss provision to assets | 0.0765% | 4,761 |
| Net operating income to assets | 0.9497% | 2,549 |
| Return on assets (ROA) | 0.9981% | 2,567 |
| Pretax return on assets | 1.4409% | 1,890 |
| Return on Equity (ROE) | 9.9375% | 2,198 |
| Retained earnings to average equity (ytd only) | 6.4607% | 1,845 |
| Net charge-offs to loans | 0.1703% | 4,013 |
| Credit loss provision to net charge-offs | 69.6721% | 4,178 |
| Earnings coverage of net charge-offs (x) | 13.1803% | 1,853 |
| Efficiency ratio | 64.8140% | 4,736 |
| Assets per employee ($millions) | 4.4872% | 2,985 |
| Cash dividends to net income (ytd only)* | 34.9865% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,873 |
| Loan loss allowance to noncurrent loans | 12,671.4286% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 5,457 |
| Noncurrent loans to loans | 0.0099% | 6,541 |
| Net loans and leases to total assets | 62.4752% | 3,168 |
| Net loans and leases to deposits | 73.4864% | 3,175 |
| Net loans and leases to core deposits | 79.5451% | 3,072 |
| Total domestic deposits to total assets | 85.0159% | 3,854 |
| Equity capital to assets | 10.3344% | 3,712 |
| Core capital (leverage) ratio | 9.7996% | 3,658 |
| Tier 1 risk-based capital ratio | 13.6225% | 4,657 |
| Total risk-based capital ratio | 14.7324% | 4,719 |
| Memoranda: | ||
| Average total assets | $111,108,400 | 4,570 |
| Average earning assets | $104,036,000 | 4,491 |
| Average equity | $11,159,800 | 4,728 |
| Average total loans | $71,624,000 | 4,298 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 1,990 |
| Cost of funding earning assets | 1.0416% | 1,327 |
| Net interest margin | 3.8637% | 3,060 |
| Noninterest income to average assets | 0.5064% | 3,884 |
| Noninterest expense to average assets | 2.6789% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9764% | 2,630 |
| Return on assets (ROA) | 1.0393% | 2,541 |
| Pretax return on assets | 1.5445% | 1,738 |
| Return on Equity (ROE) | 10.4237% | 2,166 |
| Retained earnings to average equity (ytd only) | 5.7427% | 2,871 |
| Net charge-offs to loans | 0.0427% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 52.4278% | 726 |
| Efficiency ratio | 64.8704% | 4,646 |
| Assets per employee ($millions) | 4.4374% | 3,024 |
| Cash dividends to net income (ytd only)* | 44.9074% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 5,116 |
| Loan loss allowance to noncurrent loans | 173.9382% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 5,274 |
| Noncurrent loans to loans | 0.7103% | 5,015 |
| Net loans and leases to total assets | 64.9248% | 2,857 |
| Net loans and leases to deposits | 76.4710% | 2,913 |
| Net loans and leases to core deposits | 83.5935% | 2,744 |
| Total domestic deposits to total assets | 84.9012% | 3,786 |
| Equity capital to assets | 10.2582% | 4,125 |
| Core capital (leverage) ratio | 9.6667% | 4,019 |
| Tier 1 risk-based capital ratio | 13.2551% | 5,052 |
| Total risk-based capital ratio | 14.3774% | 5,107 |
| Memoranda: | ||
| Average total assets | $110,840,750 | 4,618 |
| Average earning assets | $103,940,250 | 4,541 |
| Average equity | $11,051,500 | 4,794 |
| Average total loans | $71,787,250 | 4,332 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 2,176 |
| Cost of funding earning assets | 1.0591% | 1,418 |
| Net interest margin | 3.8252% | 3,242 |
| Noninterest income to average assets | 0.5072% | 3,881 |
| Noninterest expense to average assets | 2.6767% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9555% | 2,636 |
| Return on assets (ROA) | 1.0487% | 2,484 |
| Pretax return on assets | 1.5612% | 1,666 |
| Return on Equity (ROE) | 10.6196% | 2,125 |
| Retained earnings to average equity (ytd only) | 10.6196% | 823 |
| Net charge-offs to loans | 0.1036% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 21.2973% | 1,350 |
| Efficiency ratio | 65.3016% | 4,669 |
| Assets per employee ($millions) | 4.3885% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,118 |
| Loan loss allowance to noncurrent loans | 296.6555% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 5,878 |
| Noncurrent loans to loans | 0.4217% | 5,690 |
| Net loans and leases to total assets | 63.8134% | 3,076 |
| Net loans and leases to deposits | 75.1054% | 3,113 |
| Net loans and leases to core deposits | 82.1725% | 2,941 |
| Total domestic deposits to total assets | 84.9652% | 3,881 |
| Equity capital to assets | 10.2669% | 3,976 |
| Core capital (leverage) ratio | 9.6669% | 3,895 |
| Tier 1 risk-based capital ratio | 13.5491% | 4,786 |
| Total risk-based capital ratio | 14.6778% | 4,839 |
| Memoranda: | ||
| Average total assets | $110,809,000 | 4,646 |
| Average earning assets | $104,046,000 | 4,570 |
| Average equity | $10,942,000 | 4,823 |
| Average total loans | $71,407,670 | 4,373 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8661% | 2,367 |
| Cost of funding earning assets | 1.0703% | 1,553 |
| Net interest margin | 3.7958% | 3,413 |
| Noninterest income to average assets | 0.5065% | 3,870 |
| Noninterest expense to average assets | 2.6725% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9734% | 2,582 |
| Return on assets (ROA) | 0.9734% | 2,786 |
| Pretax return on assets | 1.4009% | 2,184 |
| Return on Equity (ROE) | 10.0547% | 2,388 |
| Retained earnings to average equity (ytd only) | 10.0547% | 1,256 |
| Net charge-offs to loans | 0.0447% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 48.7500% | 648 |
| Efficiency ratio | 65.6085% | 4,631 |
| Assets per employee ($millions) | 4.5176% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 5,103 |
| Loan loss allowance to noncurrent loans | 568.9441% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 6,395 |
| Noncurrent loans to loans | 0.2252% | 6,240 |
| Net loans and leases to total assets | 62.4889% | 3,157 |
| Net loans and leases to deposits | 73.0802% | 3,263 |
| Net loans and leases to core deposits | 79.4209% | 3,124 |
| Total domestic deposits to total assets | 85.5073% | 3,787 |
| Equity capital to assets | 9.7671% | 4,426 |
| Core capital (leverage) ratio | 9.3472% | 4,290 |
| Tier 1 risk-based capital ratio | 13.0600% | 5,165 |
| Total risk-based capital ratio | 14.2171% | 5,210 |
| Memoranda: | ||
| Average total assets | $111,357,500 | 4,674 |
| Average earning assets | $104,643,000 | 4,587 |
| Average equity | $10,781,000 | 4,862 |
| Average total loans | $71,662,500 | 4,392 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2380% | 1,917 |
| Cost of funding earning assets | 1.3341% | 1,325 |
| Net interest margin | 3.9040% | 3,322 |
| Noninterest income to average assets | 0.4412% | 4,293 |
| Noninterest expense to average assets | 2.7139% | 4,692 |
| Loan and lease loss provision to assets | 0.1098% | 5,219 |
| Net operating income to assets | 0.8782% | 2,701 |
| Return on assets (ROA) | 0.9043% | 2,711 |
| Pretax return on assets | 1.2987% | 2,136 |
| Return on Equity (ROE) | 9.4922% | 2,251 |
| Retained earnings to average equity (ytd only) | 5.2723% | 2,471 |
| Net charge-offs to loans | 0.0947% | 5,399 |
| Credit loss provision to net charge-offs | 171.6418% | 1,554 |
| Earnings coverage of net charge-offs (x) | 21.4328% | 1,094 |
| Efficiency ratio | 66.4329% | 4,677 |
| Assets per employee ($millions) | 4.0657% | 3,721 |
| Cash dividends to net income (ytd only)* | 44.4562% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 4,985 |
| Loan loss allowance to noncurrent loans | 294.2675% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 5,824 |
| Noncurrent loans to loans | 0.4371% | 5,835 |
| Net loans and leases to total assets | 64.5958% | 3,060 |
| Net loans and leases to deposits | 75.4795% | 3,264 |
| Net loans and leases to core deposits | 82.2603% | 3,143 |
| Total domestic deposits to total assets | 85.5805% | 3,552 |
| Equity capital to assets | 9.5933% | 4,754 |
| Core capital (leverage) ratio | 9.1889% | 4,482 |
| Tier 1 risk-based capital ratio | 12.7630% | 5,265 |
| Total risk-based capital ratio | 13.9367% | 5,296 |
| Memoranda: | ||
| Average total assets | $104,720,200 | 4,766 |
| Average earning assets | $97,747,000 | 4,694 |
| Average equity | $9,976,600 | 5,028 |
| Average total loans | $70,722,800 | 4,464 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3006% | 1,853 |
| Cost of funding earning assets | 1.3881% | 1,281 |
| Net interest margin | 3.9124% | 3,323 |
| Noninterest income to average assets | 0.4524% | 4,276 |
| Noninterest expense to average assets | 2.7438% | 4,561 |
| Loan and lease loss provision to assets | 0.0387% | 5,958 |
| Net operating income to assets | 0.9047% | 2,723 |
| Return on assets (ROA) | 0.9047% | 2,859 |
| Pretax return on assets | 1.3132% | 2,247 |
| Return on Equity (ROE) | 9.5139% | 2,385 |
| Retained earnings to average equity (ytd only) | 3.8083% | 4,021 |
| Net charge-offs to loans | 0.0700% | 5,261 |
| Credit loss provision to net charge-offs | 81.0811% | 4,111 |
| Earnings coverage of net charge-offs (x) | 28.3525% | 967 |
| Efficiency ratio | 66.9918% | 4,524 |
| Assets per employee ($millions) | 4.3231% | 3,230 |
| Cash dividends to net income (ytd only)* | 59.9714% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 5,341 |
| Loan loss allowance to noncurrent loans | 377.8261% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 6,121 |
| Noncurrent loans to loans | 0.3258% | 6,201 |
| Net loans and leases to total assets | 64.5145% | 3,202 |
| Net loans and leases to deposits | 75.4635% | 3,418 |
| Net loans and leases to core deposits | 82.3571% | 3,270 |
| Total domestic deposits to total assets | 85.4910% | 3,501 |
| Equity capital to assets | 9.5524% | 5,007 |
| Core capital (leverage) ratio | 9.2168% | 4,601 |
| Tier 1 risk-based capital ratio | 12.6040% | 5,401 |
| Total risk-based capital ratio | 13.7231% | 5,505 |
| Memoranda: | ||
| Average total assets | $103,456,500 | 4,829 |
| Average earning assets | $96,339,750 | 4,764 |
| Average equity | $9,838,000 | 5,084 |
| Average total loans | $70,445,000 | 4,509 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 1,834 |
| Cost of funding earning assets | 1.4259% | 1,305 |
| Net interest margin | 3.8902% | 3,367 |
| Noninterest income to average assets | 0.4376% | 4,363 |
| Noninterest expense to average assets | 2.7827% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8831% | 2,724 |
| Return on assets (ROA) | 0.8831% | 2,824 |
| Pretax return on assets | 1.2795% | 2,208 |
| Return on Equity (ROE) | 9.3014% | 2,382 |
| Retained earnings to average equity (ytd only) | 5.3328% | 2,787 |
| Net charge-offs to loans | -0.0028% | 6,543 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5024% | 4,423 |
| Assets per employee ($millions) | 4.2251% | 3,304 |
| Cash dividends to net income (ytd only)* | 42.6667% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 5,311 |
| Loan loss allowance to noncurrent loans | 260.2374% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 6,108 |
| Noncurrent loans to loans | 0.4802% | 5,945 |
| Net loans and leases to total assets | 65.6063% | 3,114 |
| Net loans and leases to deposits | 76.6444% | 3,351 |
| Net loans and leases to core deposits | 84.5335% | 3,131 |
| Total domestic deposits to total assets | 85.5984% | 3,564 |
| Equity capital to assets | 9.5307% | 4,769 |
| Core capital (leverage) ratio | 9.1915% | 4,421 |
| Tier 1 risk-based capital ratio | 12.6965% | 5,180 |
| Total risk-based capital ratio | 13.8369% | 5,234 |
| Memoranda: | ||
| Average total assets | $101,916,000 | 4,904 |
| Average earning assets | $94,957,670 | 4,847 |
| Average equity | $9,676,000 | 5,131 |
| Average total loans | $70,395,000 | 4,560 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4019% | 1,548 |
| Cost of funding earning assets | 1.4580% | 1,342 |
| Net interest margin | 3.9439% | 2,941 |
| Noninterest income to average assets | 0.4757% | 4,080 |
| Noninterest expense to average assets | 2.8303% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8915% | 2,608 |
| Return on assets (ROA) | 0.8915% | 2,668 |
| Pretax return on assets | 1.3112% | 2,010 |
| Return on Equity (ROE) | 9.4088% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.4088% | 1,262 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3398% | 4,593 |
| Assets per employee ($millions) | 3.9187% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,376 |
| Loan loss allowance to noncurrent loans | 1,592.7273% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 6,624 |
| Noncurrent loans to loans | 0.0786% | 6,843 |
| Net loans and leases to total assets | 67.8451% | 2,581 |
| Net loans and leases to deposits | 79.1490% | 2,863 |
| Net loans and leases to core deposits | 87.6041% | 2,654 |
| Total domestic deposits to total assets | 85.7182% | 3,684 |
| Equity capital to assets | 9.4980% | 4,440 |
| Core capital (leverage) ratio | 9.7084% | 3,506 |
| Tier 1 risk-based capital ratio | 13.0453% | 4,795 |
| Total risk-based capital ratio | 14.2198% | 4,834 |
| Memoranda: | ||
| Average total assets | $100,060,500 | 5,001 |
| Average earning assets | $93,004,000 | 4,943 |
| Average equity | $9,480,500 | 5,185 |
| Average total loans | $70,505,000 | 4,605 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9383% | 966 |
| Cost of funding earning assets | 1.6745% | 1,710 |
| Net interest margin | 4.2639% | 1,945 |
| Noninterest income to average assets | 0.4851% | 4,282 |
| Noninterest expense to average assets | 3.0398% | 3,696 |
| Loan and lease loss provision to assets | 0.3980% | 3,725 |
| Net operating income to assets | 0.7204% | 3,144 |
| Return on assets (ROA) | 0.8459% | 2,743 |
| Pretax return on assets | 1.1516% | 2,391 |
| Return on Equity (ROE) | 8.7197% | 2,410 |
| Retained earnings to average equity (ytd only) | 6.2034% | 1,711 |
| Net charge-offs to loans | 0.4840% | 3,684 |
| Credit loss provision to net charge-offs | 112.2754% | 3,893 |
| Earnings coverage of net charge-offs (x) | 3.8862% | 3,146 |
| Efficiency ratio | 68.8131% | 4,402 |
| Assets per employee ($millions) | 3.7783% | 4,309 |
| Cash dividends to net income (ytd only)* | 28.8582% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,356 |
| Loan loss allowance to noncurrent loans | 21,900.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 6,634 |
| Noncurrent loans to loans | 0.0056% | 7,152 |
| Net loans and leases to total assets | 71.3934% | 2,218 |
| Net loans and leases to deposits | 84.4418% | 2,381 |
| Net loans and leases to core deposits | 93.8084% | 2,281 |
| Total domestic deposits to total assets | 84.5474% | 4,087 |
| Equity capital to assets | 9.4507% | 4,465 |
| Core capital (leverage) ratio | 10.1356% | 2,943 |
| Tier 1 risk-based capital ratio | 12.7363% | 4,833 |
| Total risk-based capital ratio | 13.9100% | 4,864 |
| Memoranda: | ||
| Average total assets | $94,216,400 | 5,155 |
| Average earning assets | $86,893,000 | 5,121 |
| Average equity | $9,140,200 | 5,378 |
| Average total loans | $69,015,200 | 4,716 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9811% | 972 |
| Cost of funding earning assets | 1.7111% | 1,815 |
| Net interest margin | 4.2700% | 1,953 |
| Noninterest income to average assets | 0.4921% | 4,251 |
| Noninterest expense to average assets | 3.0496% | 3,574 |
| Loan and lease loss provision to assets | 0.3719% | 3,663 |
| Net operating income to assets | 0.7129% | 3,358 |
| Return on assets (ROA) | 0.8368% | 2,985 |
| Pretax return on assets | 1.1787% | 2,569 |
| Return on Equity (ROE) | 8.5672% | 2,665 |
| Retained earnings to average equity (ytd only) | 5.1989% | 2,842 |
| Net charge-offs to loans | 0.6344% | 2,847 |
| Credit loss provision to net charge-offs | 79.7546% | 5,145 |
| Earnings coverage of net charge-offs (x) | 2.9509% | 3,655 |
| Efficiency ratio | 68.9076% | 4,287 |
| Assets per employee ($millions) | 3.8621% | 4,115 |
| Cash dividends to net income (ytd only)* | 39.3164% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 6,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 6,766 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 73.0311% | 2,013 |
| Net loans and leases to deposits | 87.3908% | 2,100 |
| Net loans and leases to core deposits | 99.4149% | 1,900 |
| Total domestic deposits to total assets | 83.5684% | 4,338 |
| Equity capital to assets | 9.7875% | 4,429 |
| Core capital (leverage) ratio | 9.7542% | 3,545 |
| Tier 1 risk-based capital ratio | 12.3358% | 5,136 |
| Total risk-based capital ratio | 13.3602% | 5,317 |
| Memoranda: | ||
| Average total assets | $93,211,500 | 5,247 |
| Average earning assets | $85,867,750 | 5,211 |
| Average equity | $9,104,250 | 5,464 |
| Average total loans | $68,516,500 | 4,806 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9495% | 1,054 |
| Cost of funding earning assets | 1.7522% | 1,851 |
| Net interest margin | 4.1973% | 2,163 |
| Noninterest income to average assets | 0.4973% | 4,136 |
| Noninterest expense to average assets | 3.1575% | 3,063 |
| Loan and lease loss provision to assets | 0.4017% | 3,313 |
| Net operating income to assets | 0.5885% | 3,921 |
| Return on assets (ROA) | 0.6319% | 3,866 |
| Pretax return on assets | 0.8513% | 3,697 |
| Return on Equity (ROE) | 6.4746% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.4746% | 2,086 |
| Net charge-offs to loans | 0.4497% | 3,183 |
| Credit loss provision to net charge-offs | 121.7105% | 3,328 |
| Earnings coverage of net charge-offs (x) | 3.6184% | 3,239 |
| Efficiency ratio | 72.5549% | 3,732 |
| Assets per employee ($millions) | 3.7618% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 5,110 |
| Loan loss allowance to noncurrent loans | 337.7432% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 6,314 |
| Noncurrent loans to loans | 0.3745% | 6,491 |
| Net loans and leases to total assets | 72.0559% | 2,382 |
| Net loans and leases to deposits | 85.2068% | 2,658 |
| Net loans and leases to core deposits | 96.2721% | 2,414 |
| Total domestic deposits to total assets | 84.5659% | 3,838 |
| Equity capital to assets | 9.8198% | 4,242 |
| Core capital (leverage) ratio | 9.9032% | 3,279 |
| Tier 1 risk-based capital ratio | 12.6325% | 4,748 |
| Total risk-based capital ratio | 13.8366% | 4,755 |
| Memoranda: | ||
| Average total assets | $92,098,000 | 5,311 |
| Average earning assets | $84,578,670 | 5,278 |
| Average equity | $8,989,000 | 5,508 |
| Average total loans | $67,594,670 | 4,879 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8725% | 1,263 |
| Cost of funding earning assets | 1.8245% | 1,775 |
| Net interest margin | 4.0480% | 2,656 |
| Noninterest income to average assets | 0.4872% | 4,147 |
| Noninterest expense to average assets | 3.1693% | 2,978 |
| Loan and lease loss provision to assets | 0.4170% | 2,875 |
| Net operating income to assets | 0.4742% | 4,514 |
| Return on assets (ROA) | 0.5619% | 4,220 |
| Pretax return on assets | 0.7594% | 4,028 |
| Return on Equity (ROE) | 5.7749% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.7749% | 2,725 |
| Net charge-offs to loans | 0.4353% | 2,744 |
| Credit loss provision to net charge-offs | 130.1370% | 2,712 |
| Earnings coverage of net charge-offs (x) | 3.3014% | 2,947 |
| Efficiency ratio | 74.9740% | 3,412 |
| Assets per employee ($millions) | 3.6366% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 5,107 |
| Loan loss allowance to noncurrent loans | 127.3403% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0350% | 5,079 |
| Noncurrent loans to loans | 0.9951% | 5,332 |
| Net loans and leases to total assets | 73.4425% | 2,095 |
| Net loans and leases to deposits | 86.8871% | 2,427 |
| Net loans and leases to core deposits | 97.1596% | 2,438 |
| Total domestic deposits to total assets | 84.5264% | 3,883 |
| Equity capital to assets | 9.8201% | 4,082 |
| Core capital (leverage) ratio | 9.7188% | 3,488 |
| Tier 1 risk-based capital ratio | 12.5088% | 4,738 |
| Total risk-based capital ratio | 13.7171% | 4,729 |
| Memoranda: | ||
| Average total assets | $91,124,500 | 5,419 |
| Average earning assets | $84,189,500 | 5,357 |
| Average equity | $8,866,000 | 5,579 |
| Average total loans | $67,075,500 | 4,961 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2700% | 1,080 |
| Cost of funding earning assets | 2.3215% | 1,575 |
| Net interest margin | 3.9484% | 3,087 |
| Noninterest income to average assets | 0.5958% | 3,661 |
| Noninterest expense to average assets | 3.0528% | 3,935 |
| Loan and lease loss provision to assets | 0.3098% | 4,966 |
| Net operating income to assets | 0.6073% | 3,302 |
| Return on assets (ROA) | 0.5501% | 3,613 |
| Pretax return on assets | 0.7686% | 3,350 |
| Return on Equity (ROE) | 6.0477% | 3,192 |
| Retained earnings to average equity (ytd only) | 3.4063% | 2,785 |
| Net charge-offs to loans | 0.1808% | 5,515 |
| Credit loss provision to net charge-offs | 237.5000% | 1,519 |
| Earnings coverage of net charge-offs (x) | 8.8750% | 1,874 |
| Efficiency ratio | 72.5019% | 4,183 |
| Assets per employee ($millions) | 3.5128% | 4,978 |
| Cash dividends to net income (ytd only)* | 43.6759% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 5,022 |
| Loan loss allowance to noncurrent loans | 192.8406% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 5,916 |
| Noncurrent loans to loans | 0.6509% | 5,931 |
| Net loans and leases to total assets | 71.9214% | 2,767 |
| Net loans and leases to deposits | 88.5283% | 2,467 |
| Net loans and leases to core deposits | 132.7459% | 1,127 |
| Total domestic deposits to total assets | 81.2412% | 5,250 |
| Equity capital to assets | 9.6395% | 4,225 |
| Core capital (leverage) ratio | 9.6104% | 3,583 |
| Tier 1 risk-based capital ratio | 12.5193% | 4,506 |
| Total risk-based capital ratio | 13.7154% | 4,497 |
| Memoranda: | ||
| Average total assets | $91,980,200 | 5,334 |
| Average earning assets | $84,211,000 | 5,326 |
| Average equity | $8,366,800 | 5,816 |
| Average total loans | $66,374,000 | 5,007 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2862% | 1,168 |
| Cost of funding earning assets | 2.4189% | 1,566 |
| Net interest margin | 3.8673% | 3,351 |
| Noninterest income to average assets | 0.4761% | 4,704 |
| Noninterest expense to average assets | 3.0098% | 4,006 |
| Loan and lease loss provision to assets | 0.3111% | 4,483 |
| Net operating income to assets | 0.4849% | 4,055 |
| Return on assets (ROA) | 0.4110% | 4,458 |
| Pretax return on assets | 0.5846% | 4,233 |
| Return on Equity (ROE) | 4.5856% | 4,121 |
| Retained earnings to average equity (ytd only) | 1.0173% | 4,742 |
| Net charge-offs to loans | 0.0804% | 5,873 |
| Credit loss provision to net charge-offs | 537.5000% | 730 |
| Earnings coverage of net charge-offs (x) | 17.3006% | 1,414 |
| Efficiency ratio | 75.0361% | 3,684 |
| Assets per employee ($millions) | 3.5037% | 4,917 |
| Cash dividends to net income (ytd only)* | 77.8165% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 4,687 |
| Loan loss allowance to noncurrent loans | 352.0833% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 6,676 |
| Noncurrent loans to loans | 0.3607% | 6,626 |
| Net loans and leases to total assets | 72.1045% | 3,014 |
| Net loans and leases to deposits | 88.8223% | 2,816 |
| Net loans and leases to core deposits | 136.0670% | 1,093 |
| Total domestic deposits to total assets | 81.1783% | 5,006 |
| Equity capital to assets | 9.4174% | 4,866 |
| Core capital (leverage) ratio | 9.1368% | 4,435 |
| Tier 1 risk-based capital ratio | 12.1440% | 4,845 |
| Total risk-based capital ratio | 13.3681% | 4,809 |
| Memoranda: | ||
| Average total assets | $92,142,000 | 5,361 |
| Average earning assets | $84,224,750 | 5,367 |
| Average equity | $8,257,500 | 5,900 |
| Average total loans | $66,336,750 | 5,051 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2557% | 1,319 |
| Cost of funding earning assets | 2.4989% | 1,613 |
| Net interest margin | 3.7567% | 3,731 |
| Noninterest income to average assets | 0.4671% | 4,729 |
| Noninterest expense to average assets | 3.0338% | 3,957 |
| Loan and lease loss provision to assets | 0.3352% | 3,930 |
| Net operating income to assets | 0.3458% | 4,695 |
| Return on assets (ROA) | 0.2400% | 5,218 |
| Pretax return on assets | 0.3568% | 5,055 |
| Return on Equity (ROE) | 2.7238% | 5,008 |
| Retained earnings to average equity (ytd only) | 2.7238% | 3,819 |
| Net charge-offs to loans | 0.0966% | 5,203 |
| Credit loss provision to net charge-offs | 484.3750% | 956 |
| Earnings coverage of net charge-offs (x) | 12.2813% | 1,833 |
| Efficiency ratio | 78.1180% | 3,329 |
| Assets per employee ($millions) | 3.6094% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 4,954 |
| Loan loss allowance to noncurrent loans | 292.2509% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 6,317 |
| Noncurrent loans to loans | 0.4101% | 6,483 |
| Net loans and leases to total assets | 69.5708% | 3,801 |
| Net loans and leases to deposits | 84.4769% | 3,800 |
| Net loans and leases to core deposits | 129.3395% | 1,626 |
| Total domestic deposits to total assets | 82.3548% | 4,542 |
| Equity capital to assets | 8.7059% | 5,744 |
| Core capital (leverage) ratio | 8.9544% | 4,709 |
| Tier 1 risk-based capital ratio | 12.0614% | 4,864 |
| Total risk-based capital ratio | 13.2017% | 4,877 |
| Memoranda: | ||
| Average total assets | $92,490,330 | 5,383 |
| Average earning assets | $84,115,670 | 5,409 |
| Average equity | $8,150,330 | 5,969 |
| Average total loans | $66,272,330 | 5,095 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3110% | 1,266 |
| Cost of funding earning assets | 2.5611% | 1,696 |
| Net interest margin | 3.7499% | 3,658 |
| Noninterest income to average assets | 0.5141% | 4,194 |
| Noninterest expense to average assets | 2.9451% | 3,990 |
| Loan and lease loss provision to assets | 0.2614% | 3,872 |
| Net operating income to assets | 0.5016% | 4,413 |
| Return on assets (ROA) | 0.5620% | 4,359 |
| Pretax return on assets | 0.7711% | 4,183 |
| Return on Equity (ROE) | 6.3387% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.3387% | 2,476 |
| Net charge-offs to loans | 0.1688% | 3,617 |
| Credit loss provision to net charge-offs | 214.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 7.7857% | 2,298 |
| Efficiency ratio | 75.6152% | 3,546 |
| Assets per employee ($millions) | 3.9296% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 5,789 |
| Loan loss allowance to noncurrent loans | 856.0976% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 6,369 |
| Noncurrent loans to loans | 0.1232% | 7,169 |
| Net loans and leases to total assets | 69.8569% | 3,703 |
| Net loans and leases to deposits | 84.6084% | 3,878 |
| Net loans and leases to core deposits | 127.6165% | 1,813 |
| Total domestic deposits to total assets | 82.5649% | 4,348 |
| Equity capital to assets | 8.6947% | 5,772 |
| Core capital (leverage) ratio | 9.1891% | 4,424 |
| Tier 1 risk-based capital ratio | 12.0419% | 4,930 |
| Total risk-based capital ratio | 13.0492% | 5,043 |
| Memoranda: | ||
| Average total assets | $91,813,500 | 5,430 |
| Average earning assets | $82,775,500 | 5,466 |
| Average equity | $8,140,500 | 6,004 |
| Average total loans | $66,368,500 | 5,124 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8846% | 1,444 |
| Cost of funding earning assets | 3.1900% | 1,223 |
| Net interest margin | 3.6946% | 4,492 |
| Noninterest income to average assets | 0.6425% | 3,532 |
| Noninterest expense to average assets | 3.0175% | 4,026 |
| Loan and lease loss provision to assets | 0.2134% | 4,759 |
| Net operating income to assets | 0.5642% | 4,464 |
| Return on assets (ROA) | 0.6108% | 4,121 |
| Pretax return on assets | 0.8120% | 4,026 |
| Return on Equity (ROE) | 6.4419% | 3,781 |
| Retained earnings to average equity (ytd only) | 3.6903% | 2,851 |
| Net charge-offs to loans | 0.1000% | 5,312 |
| Credit loss provision to net charge-offs | 301.7241% | 1,491 |
| Earnings coverage of net charge-offs (x) | 13.6207% | 2,118 |
| Efficiency ratio | 75.8040% | 3,267 |
| Assets per employee ($millions) | 3.5727% | 4,493 |
| Cash dividends to net income (ytd only)* | 42.7146% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 5,905 |
| Loan loss allowance to noncurrent loans | 1,914.2857% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 6,309 |
| Noncurrent loans to loans | 0.0529% | 7,295 |
| Net loans and leases to total assets | 73.3153% | 3,280 |
| Net loans and leases to deposits | 89.7888% | 3,489 |
| Net loans and leases to core deposits | 138.4302% | 1,348 |
| Total domestic deposits to total assets | 81.6530% | 4,341 |
| Equity capital to assets | 9.0475% | 5,310 |
| Core capital (leverage) ratio | 9.4763% | 4,041 |
| Tier 1 risk-based capital ratio | 11.9810% | 4,840 |
| Total risk-based capital ratio | 12.9564% | 4,953 |
| Memoranda: | ||
| Average total assets | $82,022,600 | 5,631 |
| Average earning assets | $74,107,400 | 5,660 |
| Average equity | $7,777,200 | 6,178 |
| Average total loans | $57,976,400 | 5,365 |