Home > Zapata National Bank > Performance and Condition Ratios
Zapata National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0282% | 26 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14,501.0000% | 34 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 2.0085% | 441 |
| Pretax return on assets | 2.0085% | 661 |
| Return on Equity (ROE) | 16.2300% | 1,063 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0011% | 2,823 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.4642% | 2,691 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 0.2569% | 4,541 |
| Cash dividends to net income (ytd only)* | 9.0000% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 1,181.0000% | 32 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 2,393.0000% | 41 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $-134,000 | 4,608 |
| Average earning assets | $7,051 | 4,561 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 2,593 |
| Cost of funding earning assets | 0.7051% | 3,755 |
| Net interest margin | 3.9333% | 1,336 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.3084% | 2,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0278% | 483 |
| Return on assets (ROA) | 2.0278% | 475 |
| Pretax return on assets | 2.0278% | 734 |
| Return on Equity (ROE) | 16.4900% | 1,165 |
| Retained earnings to average equity (ytd only) | 7.2404% | 2,213 |
| Net charge-offs to loans | -0.0113% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.2354% | 3,654 |
| Assets per employee ($millions) | 4.6140% | 3,871 |
| Cash dividends to net income (ytd only)* | 56.0957% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,528 |
| Loan loss allowance to noncurrent loans | 317.6471% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 2,544 |
| Noncurrent loans to loans | 0.3675% | 1,917 |
| Net loans and leases to total assets | 41.7200% | 3,998 |
| Net loans and leases to deposits | 47.9069% | 4,010 |
| Net loans and leases to core deposits | 59.9964% | 3,705 |
| Total domestic deposits to total assets | 87.0900% | 1,862 |
| Equity capital to assets | 12.4039% | 945 |
| Core capital (leverage) ratio | 14.7362% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $87,907,750 | 3,949 |
| Average earning assets | $82,067,250 | 3,922 |
| Average equity | $10,809,500 | 3,640 |
| Average total loans | $35,425,750 | 4,082 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 2,593 |
| Cost of funding earning assets | 0.6080% | 3,730 |
| Net interest margin | 3.9139% | 1,399 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.3299% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0025% | 465 |
| Return on assets (ROA) | 2.0025% | 463 |
| Pretax return on assets | 2.0025% | 747 |
| Return on Equity (ROE) | 16.3300% | 1,211 |
| Retained earnings to average equity (ytd only) | 7.0634% | 2,263 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.7775% | 3,632 |
| Assets per employee ($millions) | 4.5891% | 3,890 |
| Cash dividends to net income (ytd only)* | 56.7537% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,379 |
| Loan loss allowance to noncurrent loans | 680.9524% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,051 |
| Noncurrent loans to loans | 0.1781% | 2,588 |
| Net loans and leases to total assets | 40.0900% | 4,037 |
| Net loans and leases to deposits | 46.0861% | 4,044 |
| Net loans and leases to core deposits | 57.8488% | 3,727 |
| Total domestic deposits to total assets | 86.9900% | 1,928 |
| Equity capital to assets | 12.5870% | 913 |
| Core capital (leverage) ratio | 14.2813% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $87,988,333 | 3,962 |
| Average earning assets | $81,914,000 | 3,941 |
| Average equity | $10,788,000 | 3,652 |
| Average total loans | $34,898,667 | 4,100 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 2,553 |
| Cost of funding earning assets | 0.4945% | 3,708 |
| Net interest margin | 3.9030% | 1,479 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.2673% | 2,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1994% | 366 |
| Return on assets (ROA) | 2.1994% | 364 |
| Pretax return on assets | 2.1994% | 572 |
| Return on Equity (ROE) | 18.1800% | 999 |
| Retained earnings to average equity (ytd only) | 8.8270% | 1,997 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.7599% | 3,874 |
| Assets per employee ($millions) | 4.7152% | 3,877 |
| Cash dividends to net income (ytd only)* | 51.4403% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,317 |
| 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 | 38.0100% | 4,116 |
| Net loans and leases to deposits | 43.4531% | 4,111 |
| Net loans and leases to core deposits | 54.3467% | 3,818 |
| Total domestic deposits to total assets | 87.4700% | 2,102 |
| Equity capital to assets | 12.2571% | 929 |
| Core capital (leverage) ratio | 14.0981% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $88,386,000 | 4,015 |
| Average earning assets | $82,500,500 | 3,986 |
| Average equity | $10,694,500 | 3,703 |
| Average total loans | $34,656,500 | 4,159 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4327% | 3,262 |
| Cost of funding earning assets | 0.2441% | 3,375 |
| Net interest margin | 3.1886% | 2,902 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.0489% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4766% | 941 |
| Return on assets (ROA) | 1.4766% | 904 |
| Pretax return on assets | 1.4766% | 1,525 |
| Return on Equity (ROE) | 12.5000% | 1,977 |
| Retained earnings to average equity (ytd only) | 2.4687% | 3,866 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.1165% | 3,324 |
| Assets per employee ($millions) | 4.5886% | 3,974 |
| Cash dividends to net income (ytd only)* | 80.2515% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 2,242 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 2,749 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 39.4600% | 4,082 |
| Net loans and leases to deposits | 44.8949% | 4,085 |
| Net loans and leases to core deposits | 57.7377% | 3,632 |
| Total domestic deposits to total assets | 87.9000% | 2,105 |
| Equity capital to assets | 11.9381% | 952 |
| Core capital (leverage) ratio | 13.3264% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $91,563,000 | 3,997 |
| Average earning assets | $85,617,000 | 3,974 |
| Average equity | $10,815,200 | 3,779 |
| Average total loans | $34,769,000 | 4,157 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1614% | 3,533 |
| Cost of funding earning assets | 0.2075% | 3,185 |
| Net interest margin | 2.9539% | 3,350 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.9598% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3440% | 1,224 |
| Return on assets (ROA) | 1.3440% | 1,203 |
| Pretax return on assets | 1.3440% | 1,908 |
| Return on Equity (ROE) | 11.4100% | 2,238 |
| Retained earnings to average equity (ytd only) | 3.7738% | 3,524 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.3206% | 3,206 |
| Assets per employee ($millions) | 4.6964% | 3,913 |
| Cash dividends to net income (ytd only)* | 66.9165% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,427 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 38.9600% | 4,106 |
| Net loans and leases to deposits | 44.0362% | 4,108 |
| Net loans and leases to core deposits | 57.1607% | 3,554 |
| Total domestic deposits to total assets | 88.4600% | 2,287 |
| Equity capital to assets | 11.2125% | 1,093 |
| Core capital (leverage) ratio | 13.3113% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $92,658,000 | 4,015 |
| Average earning assets | $86,753,250 | 3,986 |
| Average equity | $10,917,000 | 3,817 |
| Average total loans | $34,753,250 | 4,180 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8941% | 3,802 |
| Cost of funding earning assets | 0.2002% | 2,907 |
| Net interest margin | 2.6939% | 3,707 |
| Noninterest income to average assets | 0.5330% | 2,029 |
| Noninterest expense to average assets | 1.8699% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1876% | 1,469 |
| Return on assets (ROA) | 1.1876% | 1,447 |
| Pretax return on assets | 1.1876% | 2,117 |
| Return on Equity (ROE) | 9.9278% | 2,362 |
| Retained earnings to average equity (ytd only) | 2.3527% | 3,656 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1576% | 3,160 |
| Assets per employee ($millions) | 4.7481% | 3,892 |
| Cash dividends to net income (ytd only)* | 76.3016% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,505 |
| 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 | 38.0562% | 4,166 |
| Net loans and leases to deposits | 43.2464% | 4,146 |
| Net loans and leases to core deposits | 56.0010% | 3,564 |
| Total domestic deposits to total assets | 87.9985% | 2,579 |
| Equity capital to assets | 11.7310% | 956 |
| Core capital (leverage) ratio | 13.1564% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,800,333 | 4,048 |
| Average earning assets | $87,902,667 | 4,031 |
| Average equity | $11,221,000 | 3,862 |
| Average total loans | $34,608,000 | 4,237 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7498% | 3,843 |
| Cost of funding earning assets | 0.2005% | 2,797 |
| Net interest margin | 2.5492% | 3,788 |
| Noninterest income to average assets | 0.5272% | 2,010 |
| Noninterest expense to average assets | 1.5147% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4060% | 786 |
| Return on assets (ROA) | 1.4060% | 781 |
| Pretax return on assets | 1.4060% | 1,236 |
| Return on Equity (ROE) | 11.6464% | 1,412 |
| Retained earnings to average equity (ytd only) | 4.7140% | 2,702 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8625% | 4,208 |
| Assets per employee ($millions) | 4.9082% | 3,827 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 2,596 |
| 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 | 36.3069% | 4,189 |
| Net loans and leases to deposits | 41.2907% | 4,190 |
| Net loans and leases to core deposits | 55.8363% | 3,460 |
| Total domestic deposits to total assets | 87.9299% | 2,553 |
| Equity capital to assets | 11.8460% | 1,005 |
| Core capital (leverage) ratio | 12.4672% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,593,500 | 4,048 |
| Average earning assets | $89,753,500 | 4,025 |
| Average equity | $11,540,000 | 3,903 |
| Average total loans | $34,531,500 | 4,256 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8423% | 4,143 |
| Cost of funding earning assets | 0.2137% | 3,331 |
| Net interest margin | 2.6286% | 4,004 |
| Noninterest income to average assets | 0.5910% | 2,201 |
| Noninterest expense to average assets | 2.1328% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9208% | 2,968 |
| Return on assets (ROA) | 0.9208% | 3,033 |
| Pretax return on assets | 0.9208% | 3,452 |
| Return on Equity (ROE) | 7.0885% | 3,490 |
| Retained earnings to average equity (ytd only) | 0.4945% | 4,375 |
| Net charge-offs to loans | 0.0029% | 2,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 860.0000% | 174 |
| Efficiency ratio | 69.8457% | 1,754 |
| Assets per employee ($millions) | 5.1543% | 3,596 |
| Cash dividends to net income (ytd only)* | 93.0233% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,718 |
| 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 | 35.0723% | 4,329 |
| Net loans and leases to deposits | 40.0441% | 4,337 |
| Net loans and leases to core deposits | 50.9690% | 3,967 |
| Total domestic deposits to total assets | 87.5842% | 2,245 |
| Equity capital to assets | 12.2871% | 1,138 |
| Core capital (leverage) ratio | 12.1081% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,396,400 | 4,063 |
| Average earning assets | $87,499,200 | 4,047 |
| Average equity | $12,132,400 | 3,922 |
| Average total loans | $34,685,800 | 4,295 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8766% | 4,202 |
| Cost of funding earning assets | 0.2208% | 3,416 |
| Net interest margin | 2.6558% | 4,046 |
| Noninterest income to average assets | 0.5708% | 2,333 |
| Noninterest expense to average assets | 2.1388% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9176% | 3,186 |
| Return on assets (ROA) | 0.9176% | 3,257 |
| Pretax return on assets | 0.9176% | 3,655 |
| Return on Equity (ROE) | 6.9641% | 3,677 |
| Retained earnings to average equity (ytd only) | 0.3838% | 4,508 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9764% | 1,603 |
| Assets per employee ($millions) | 4.9895% | 3,710 |
| Cash dividends to net income (ytd only)* | 94.4882% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,840 |
| 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 | 36.4268% | 4,368 |
| Net loans and leases to deposits | 41.9176% | 4,381 |
| Net loans and leases to core deposits | 52.3989% | 4,020 |
| Total domestic deposits to total assets | 86.9010% | 2,391 |
| Equity capital to assets | 12.7836% | 1,059 |
| Core capital (leverage) ratio | 12.8452% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,262,500 | 4,127 |
| Average earning assets | $86,349,000 | 4,106 |
| Average equity | $12,157,250 | 3,967 |
| Average total loans | $34,663,250 | 4,346 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9142% | 4,202 |
| Cost of funding earning assets | 0.2317% | 3,453 |
| Net interest margin | 2.6825% | 4,015 |
| Noninterest income to average assets | 0.6038% | 2,201 |
| Noninterest expense to average assets | 2.2119% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8992% | 3,224 |
| Return on assets (ROA) | 0.8992% | 3,304 |
| Pretax return on assets | 0.8992% | 3,668 |
| Return on Equity (ROE) | 6.7543% | 3,716 |
| Retained earnings to average equity (ytd only) | 0.1808% | 4,482 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0970% | 1,518 |
| Assets per employee ($millions) | 4.8381% | 3,796 |
| Cash dividends to net income (ytd only)* | 97.3236% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 37.0828% | 4,423 |
| Net loans and leases to deposits | 42.8322% | 4,428 |
| Net loans and leases to core deposits | 53.8353% | 4,030 |
| Total domestic deposits to total assets | 86.5770% | 2,517 |
| Equity capital to assets | 13.1718% | 899 |
| Core capital (leverage) ratio | 12.8425% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,416,333 | 4,159 |
| Average earning assets | $85,442,667 | 4,139 |
| Average equity | $12,170,000 | 3,967 |
| Average total loans | $34,563,333 | 4,383 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9360% | 4,203 |
| Cost of funding earning assets | 0.2533% | 3,445 |
| Net interest margin | 2.6827% | 4,000 |
| Noninterest income to average assets | 0.6231% | 2,118 |
| Noninterest expense to average assets | 2.0886% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0443% | 2,657 |
| Return on assets (ROA) | 1.0443% | 2,739 |
| Pretax return on assets | 1.0443% | 3,244 |
| Return on Equity (ROE) | 7.8026% | 3,387 |
| Retained earnings to average equity (ytd only) | 1.2458% | 4,169 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,134 |
| Assets per employee ($millions) | 4.6078% | 4,011 |
| Cash dividends to net income (ytd only)* | 84.0336% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,723 |
| 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 | 37.2166% | 4,444 |
| Net loans and leases to deposits | 42.9556% | 4,463 |
| Net loans and leases to core deposits | 53.6452% | 4,112 |
| Total domestic deposits to total assets | 86.6399% | 2,467 |
| Equity capital to assets | 13.1659% | 868 |
| Core capital (leverage) ratio | 12.9971% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,162,500 | 4,172 |
| Average earning assets | $85,286,500 | 4,151 |
| Average equity | $12,201,000 | 3,978 |
| Average total loans | $34,586,000 | 4,408 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3204% | 4,301 |
| Cost of funding earning assets | 0.4905% | 3,007 |
| Net interest margin | 2.8299% | 4,211 |
| Noninterest income to average assets | 0.7210% | 1,786 |
| Noninterest expense to average assets | 2.3297% | 3,330 |
| Loan and lease loss provision to assets | -0.4570% | 4,997 |
| Net operating income to assets | 1.4853% | 844 |
| Return on assets (ROA) | 1.6144% | 673 |
| Pretax return on assets | 1.6144% | 1,048 |
| Return on Equity (ROE) | 11.6995% | 1,412 |
| Retained earnings to average equity (ytd only) | 2.1776% | 3,752 |
| Net charge-offs to loans | -1.2069% | 4,962 |
| Credit loss provision to net charge-offs | 98.7654% | 2,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3773% | 2,038 |
| Assets per employee ($millions) | 4.5085% | 3,906 |
| Cash dividends to net income (ytd only)* | 81.3871% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,699 |
| 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 | 37.7232% | 4,537 |
| Net loans and leases to deposits | 43.7588% | 4,536 |
| Net loans and leases to core deposits | 54.9196% | 4,212 |
| Total domestic deposits to total assets | 86.2072% | 2,272 |
| Equity capital to assets | 13.6065% | 895 |
| Core capital (leverage) ratio | 12.9391% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,523,400 | 4,148 |
| Average earning assets | $81,557,600 | 4,141 |
| Average equity | $12,077,400 | 3,963 |
| Average total loans | $33,556,600 | 4,442 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3334% | 4,432 |
| Cost of funding earning assets | 0.5454% | 2,961 |
| Net interest margin | 2.7880% | 4,353 |
| Noninterest income to average assets | 0.7813% | 1,572 |
| Noninterest expense to average assets | 2.3163% | 3,378 |
| Loan and lease loss provision to assets | -0.6136% | 5,030 |
| Net operating income to assets | 1.6762% | 611 |
| Return on assets (ROA) | 1.8067% | 496 |
| Pretax return on assets | 1.8067% | 767 |
| Return on Equity (ROE) | 13.0454% | 1,099 |
| Retained earnings to average equity (ytd only) | 5.0098% | 2,555 |
| Net charge-offs to loans | -1.6239% | 4,995 |
| Credit loss provision to net charge-offs | 98.5222% | 2,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5597% | 2,102 |
| Assets per employee ($millions) | 4.3709% | 3,981 |
| Cash dividends to net income (ytd only)* | 61.5973% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 2,300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 38.3449% | 4,610 |
| Net loans and leases to deposits | 44.9547% | 4,635 |
| Net loans and leases to core deposits | 57.0155% | 4,340 |
| Total domestic deposits to total assets | 85.2969% | 2,319 |
| Equity capital to assets | 14.3027% | 785 |
| Core capital (leverage) ratio | 13.5540% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,861,750 | 4,161 |
| Average earning assets | $80,917,500 | 4,156 |
| Average equity | $12,029,500 | 3,974 |
| Average total loans | $33,334,500 | 4,478 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4416% | 4,494 |
| Cost of funding earning assets | 0.6269% | 2,826 |
| Net interest margin | 2.8148% | 4,423 |
| Noninterest income to average assets | 0.7176% | 1,677 |
| Noninterest expense to average assets | 2.3420% | 3,422 |
| Loan and lease loss provision to assets | -0.1731% | 5,037 |
| Net operating income to assets | 1.1699% | 1,728 |
| Return on assets (ROA) | 1.2322% | 1,663 |
| Pretax return on assets | 1.2322% | 2,248 |
| Return on Equity (ROE) | 8.9962% | 2,363 |
| Retained earnings to average equity (ytd only) | 0.9940% | 4,102 |
| Net charge-offs to loans | -0.4709% | 4,997 |
| Credit loss provision to net charge-offs | 96.1538% | 2,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1451% | 1,936 |
| Assets per employee ($millions) | 4.4023% | 3,912 |
| Cash dividends to net income (ytd only)* | 88.9513% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 2,010 |
| Loan loss allowance to noncurrent loans | 289.1892% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 3,685 |
| Noncurrent loans to loans | 0.4489% | 2,805 |
| Net loans and leases to total assets | 36.9591% | 4,698 |
| Net loans and leases to deposits | 43.0875% | 4,720 |
| Net loans and leases to core deposits | 55.2610% | 4,454 |
| Total domestic deposits to total assets | 85.7768% | 2,102 |
| Equity capital to assets | 13.8519% | 888 |
| Core capital (leverage) ratio | 13.2357% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,676,667 | 4,168 |
| Average earning assets | $80,717,333 | 4,156 |
| Average equity | $11,871,667 | 3,999 |
| Average total loans | $33,129,000 | 4,502 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 4,393 |
| Cost of funding earning assets | 0.7246% | 2,806 |
| Net interest margin | 2.9782% | 4,320 |
| Noninterest income to average assets | 0.8512% | 1,164 |
| Noninterest expense to average assets | 2.2281% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3955% | 993 |
| Return on assets (ROA) | 1.3955% | 1,071 |
| Pretax return on assets | 1.3955% | 1,575 |
| Return on Equity (ROE) | 10.2481% | 1,660 |
| Retained earnings to average equity (ytd only) | 1.7080% | 3,545 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4891% | 3,557 |
| Assets per employee ($millions) | 4.2685% | 3,568 |
| Cash dividends to net income (ytd only)* | 83.3333% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,281 |
| Loan loss allowance to noncurrent loans | 33.4119% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.4900% | 718 |
| Noncurrent loans to loans | 3.8034% | 224 |
| Net loans and leases to total assets | 38.6775% | 4,708 |
| Net loans and leases to deposits | 45.0796% | 4,742 |
| Net loans and leases to core deposits | 58.2983% | 4,423 |
| Total domestic deposits to total assets | 85.7983% | 2,088 |
| Equity capital to assets | 13.9358% | 1,080 |
| Core capital (leverage) ratio | 13.3561% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,992,000 | 4,184 |
| Average earning assets | $80,048,500 | 4,168 |
| Average equity | $11,709,500 | 4,033 |
| Average total loans | $33,209,000 | 4,528 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 4,305 |
| Cost of funding earning assets | 0.8464% | 2,447 |
| Net interest margin | 3.1305% | 4,322 |
| Noninterest income to average assets | 0.6746% | 1,903 |
| Noninterest expense to average assets | 2.3799% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2038% | 2,041 |
| Return on assets (ROA) | 1.2038% | 2,137 |
| Pretax return on assets | 1.2038% | 2,837 |
| Return on Equity (ROE) | 8.7497% | 2,858 |
| Retained earnings to average equity (ytd only) | 0.6643% | 4,501 |
| Net charge-offs to loans | -0.0061% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4094% | 2,705 |
| Assets per employee ($millions) | 4.3307% | 3,463 |
| Cash dividends to net income (ytd only)* | 92.4076% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 1,976 |
| Loan loss allowance to noncurrent loans | 32.6672% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.5736% | 626 |
| Noncurrent loans to loans | 3.9455% | 178 |
| Net loans and leases to total assets | 37.5794% | 4,806 |
| Net loans and leases to deposits | 43.4583% | 4,839 |
| Net loans and leases to core deposits | 60.5484% | 4,416 |
| Total domestic deposits to total assets | 86.4722% | 1,857 |
| Equity capital to assets | 13.3027% | 1,369 |
| Core capital (leverage) ratio | 13.0799% | 1,204 |
| Tier 1 risk-based capital ratio | 38.3393% | 268 |
| Total risk-based capital ratio | 39.5888% | 263 |
| Memoranda: | ||
| Average total assets | $83,154,400 | 4,240 |
| Average earning assets | $77,271,800 | 4,226 |
| Average equity | $11,440,400 | 4,062 |
| Average total loans | $32,794,400 | 4,587 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 4,343 |
| Cost of funding earning assets | 0.8602% | 2,411 |
| Net interest margin | 3.1511% | 4,399 |
| Noninterest income to average assets | 0.6773% | 1,883 |
| Noninterest expense to average assets | 2.3429% | 3,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2606% | 1,984 |
| Return on assets (ROA) | 1.2606% | 2,065 |
| Pretax return on assets | 1.2606% | 2,781 |
| Return on Equity (ROE) | 9.0833% | 2,854 |
| Retained earnings to average equity (ytd only) | 1.2025% | 4,514 |
| Net charge-offs to loans | -0.0041% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0180% | 2,855 |
| Assets per employee ($millions) | 4.0611% | 3,819 |
| Cash dividends to net income (ytd only)* | 86.7609% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 1,991 |
| Loan loss allowance to noncurrent loans | 28.7068% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.8948% | 492 |
| Noncurrent loans to loans | 4.5090% | 128 |
| Net loans and leases to total assets | 39.8087% | 4,821 |
| Net loans and leases to deposits | 46.6505% | 4,859 |
| Net loans and leases to core deposits | 60.3588% | 4,522 |
| Total domestic deposits to total assets | 85.3338% | 2,282 |
| Equity capital to assets | 14.2537% | 1,057 |
| Core capital (leverage) ratio | 14.1125% | 956 |
| Tier 1 risk-based capital ratio | 39.9847% | 243 |
| Total risk-based capital ratio | 41.2362% | 242 |
| Memoranda: | ||
| Average total assets | $82,289,500 | 4,305 |
| Average earning assets | $76,416,000 | 4,291 |
| Average equity | $11,420,000 | 4,104 |
| Average total loans | $32,749,500 | 4,648 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9622% | 4,456 |
| Cost of funding earning assets | 0.8654% | 2,321 |
| Net interest margin | 3.0968% | 4,541 |
| Noninterest income to average assets | 0.6752% | 1,809 |
| Noninterest expense to average assets | 2.3256% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2245% | 2,056 |
| Return on assets (ROA) | 1.2245% | 2,117 |
| Pretax return on assets | 1.2245% | 2,828 |
| Return on Equity (ROE) | 8.9024% | 2,895 |
| Retained earnings to average equity (ytd only) | 0.9853% | 4,439 |
| Net charge-offs to loans | -0.0061% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5078% | 2,889 |
| Assets per employee ($millions) | 4.0880% | 3,755 |
| Cash dividends to net income (ytd only)* | 88.9328% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,086 |
| Loan loss allowance to noncurrent loans | 31.1994% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.7380% | 596 |
| Noncurrent loans to loans | 4.1115% | 175 |
| Net loans and leases to total assets | 39.9095% | 4,847 |
| Net loans and leases to deposits | 46.6343% | 4,884 |
| Net loans and leases to core deposits | 61.1851% | 4,531 |
| Total domestic deposits to total assets | 85.5797% | 2,231 |
| Equity capital to assets | 14.0729% | 1,092 |
| Core capital (leverage) ratio | 14.0174% | 955 |
| Tier 1 risk-based capital ratio | 39.6671% | 237 |
| Total risk-based capital ratio | 40.9173% | 232 |
| Memoranda: | ||
| Average total assets | $82,645,670 | 4,333 |
| Average earning assets | $76,725,330 | 4,316 |
| Average equity | $11,367,670 | 4,121 |
| Average total loans | $32,747,000 | 4,685 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 4,534 |
| Cost of funding earning assets | 0.8651% | 2,181 |
| Net interest margin | 3.0459% | 4,681 |
| Noninterest income to average assets | 0.6884% | 1,650 |
| Noninterest expense to average assets | 2.2482% | 4,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2709% | 1,810 |
| Return on assets (ROA) | 1.2709% | 1,857 |
| Pretax return on assets | 1.2709% | 2,565 |
| Return on Equity (ROE) | 9.3464% | 2,651 |
| Retained earnings to average equity (ytd only) | 1.3807% | 4,231 |
| Net charge-offs to loans | -0.0123% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8851% | 3,255 |
| Assets per employee ($millions) | 4.1146% | 3,745 |
| Cash dividends to net income (ytd only)* | 85.2273% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,029 |
| Loan loss allowance to noncurrent loans | 30.5036% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.7644% | 602 |
| Noncurrent loans to loans | 4.3081% | 161 |
| Net loans and leases to total assets | 38.6927% | 4,932 |
| Net loans and leases to deposits | 45.0380% | 4,956 |
| Net loans and leases to core deposits | 60.0694% | 4,561 |
| Total domestic deposits to total assets | 85.9111% | 2,317 |
| Equity capital to assets | 13.8167% | 1,104 |
| Core capital (leverage) ratio | 13.8108% | 1,001 |
| Tier 1 risk-based capital ratio | 41.7015% | 211 |
| Total risk-based capital ratio | 42.9522% | 206 |
| Memoranda: | ||
| Average total assets | $83,088,500 | 4,364 |
| Average earning assets | $77,218,500 | 4,353 |
| Average equity | $11,298,500 | 4,151 |
| Average total loans | $32,593,500 | 4,737 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 4,401 |
| Cost of funding earning assets | 0.6661% | 2,295 |
| Net interest margin | 3.1779% | 4,523 |
| Noninterest income to average assets | 0.6480% | 2,052 |
| Noninterest expense to average assets | 2.3313% | 4,043 |
| Loan and lease loss provision to assets | -0.8885% | 5,399 |
| Net operating income to assets | 2.1442% | 276 |
| Return on assets (ROA) | 2.1442% | 270 |
| Pretax return on assets | 2.1442% | 402 |
| Return on Equity (ROE) | 16.2893% | 568 |
| Retained earnings to average equity (ytd only) | 4.5898% | 3,002 |
| Net charge-offs to loans | -2.1761% | 5,371 |
| Credit loss provision to net charge-offs | 100.5362% | 2,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9934% | 3,025 |
| Assets per employee ($millions) | 3.9945% | 3,899 |
| Cash dividends to net income (ytd only)* | 71.8232% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,120 |
| Loan loss allowance to noncurrent loans | 29.7678% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.7679% | 589 |
| Noncurrent loans to loans | 4.3163% | 156 |
| Net loans and leases to total assets | 38.7423% | 4,989 |
| Net loans and leases to deposits | 44.8312% | 5,012 |
| Net loans and leases to core deposits | 62.4740% | 4,519 |
| Total domestic deposits to total assets | 86.4183% | 2,047 |
| Equity capital to assets | 13.3838% | 1,187 |
| Core capital (leverage) ratio | 13.3958% | 1,109 |
| Tier 1 risk-based capital ratio | 40.3047% | 227 |
| Total risk-based capital ratio | 41.5565% | 224 |
| Memoranda: | ||
| Average total assets | $84,415,400 | 4,350 |
| Average earning assets | $78,071,400 | 4,348 |
| Average equity | $11,111,600 | 4,144 |
| Average total loans | $34,282,000 | 4,710 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 4,371 |
| Cost of funding earning assets | 0.6149% | 2,374 |
| Net interest margin | 3.2147% | 4,482 |
| Noninterest income to average assets | 0.6497% | 2,073 |
| Noninterest expense to average assets | 2.2661% | 4,179 |
| Loan and lease loss provision to assets | -1.1827% | 5,472 |
| Net operating income to assets | 2.5342% | 150 |
| Return on assets (ROA) | 2.5342% | 149 |
| Pretax return on assets | 2.5342% | 214 |
| Return on Equity (ROE) | 19.3328% | 312 |
| Retained earnings to average equity (ytd only) | 10.3101% | 821 |
| Net charge-offs to loans | -2.8883% | 5,442 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6417% | 3,402 |
| Assets per employee ($millions) | 3.8799% | 4,068 |
| Cash dividends to net income (ytd only)* | 46.6711% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,211 |
| Loan loss allowance to noncurrent loans | 25.2215% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 2.1540% | 470 |
| Noncurrent loans to loans | 5.0610% | 122 |
| Net loans and leases to total assets | 40.5329% | 5,014 |
| Net loans and leases to deposits | 47.3871% | 5,025 |
| Net loans and leases to core deposits | 61.9815% | 4,613 |
| Total domestic deposits to total assets | 85.5358% | 2,381 |
| Equity capital to assets | 14.0960% | 931 |
| Core capital (leverage) ratio | 14.1787% | 891 |
| Tier 1 risk-based capital ratio | 42.1999% | 200 |
| Total risk-based capital ratio | 43.4504% | 195 |
| Memoranda: | ||
| Average total assets | $84,548,000 | 4,397 |
| Average earning assets | $78,055,500 | 4,394 |
| Average equity | $11,082,750 | 4,187 |
| Average total loans | $34,622,000 | 4,747 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 4,430 |
| Cost of funding earning assets | 0.5879% | 2,313 |
| Net interest margin | 3.1790% | 4,554 |
| Noninterest income to average assets | 0.6404% | 2,136 |
| Noninterest expense to average assets | 2.2765% | 4,199 |
| Loan and lease loss provision to assets | -1.7529% | 5,538 |
| Net operating income to assets | 3.0618% | 78 |
| Return on assets (ROA) | 3.0618% | 78 |
| Pretax return on assets | 3.0618% | 107 |
| Return on Equity (ROE) | 23.9298% | 110 |
| Retained earnings to average equity (ytd only) | 14.7963% | 211 |
| Net charge-offs to loans | -4.2842% | 5,506 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4941% | 3,385 |
| Assets per employee ($millions) | 4.0763% | 3,769 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,413 |
| Loan loss allowance to noncurrent loans | 28.7930% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 1.8048% | 645 |
| Noncurrent loans to loans | 4.3546% | 189 |
| Net loans and leases to total assets | 39.2848% | 5,076 |
| Net loans and leases to deposits | 45.5073% | 5,111 |
| Net loans and leases to core deposits | 60.0239% | 4,705 |
| Total domestic deposits to total assets | 86.3264% | 2,129 |
| Equity capital to assets | 13.3827% | 1,144 |
| Core capital (leverage) ratio | 13.8708% | 941 |
| Tier 1 risk-based capital ratio | 41.8944% | 207 |
| Total risk-based capital ratio | 43.1444% | 205 |
| Memoranda: | ||
| Average total assets | $85,571,670 | 4,419 |
| Average earning assets | $79,269,330 | 4,413 |
| Average equity | $10,948,670 | 4,235 |
| Average total loans | $35,012,000 | 4,784 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 4,343 |
| Cost of funding earning assets | 0.5551% | 2,358 |
| Net interest margin | 3.1992% | 4,461 |
| Noninterest income to average assets | 0.6358% | 2,098 |
| Noninterest expense to average assets | 2.2114% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3886% | 1,375 |
| Return on assets (ROA) | 1.3886% | 1,386 |
| Pretax return on assets | 1.3886% | 2,053 |
| Return on Equity (ROE) | 11.1080% | 1,922 |
| Retained earnings to average equity (ytd only) | 1.7578% | 4,428 |
| Net charge-offs to loans | -0.0113% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4286% | 3,883 |
| Assets per employee ($millions) | 4.0400% | 3,911 |
| Cash dividends to net income (ytd only)* | 84.1751% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,754 |
| Loan loss allowance to noncurrent loans | 27.6665% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.8965% | 623 |
| Noncurrent loans to loans | 4.3722% | 207 |
| Net loans and leases to total assets | 41.2011% | 5,016 |
| Net loans and leases to deposits | 47.2582% | 5,065 |
| Net loans and leases to core deposits | 63.7912% | 4,438 |
| Total domestic deposits to total assets | 87.1829% | 2,052 |
| Equity capital to assets | 12.5967% | 1,429 |
| Core capital (leverage) ratio | 12.7805% | 1,259 |
| Tier 1 risk-based capital ratio | 37.5000% | 266 |
| Total risk-based capital ratio | 38.7514% | 263 |
| Memoranda: | ||
| Average total assets | $85,556,000 | 4,462 |
| Average earning assets | $79,270,000 | 4,459 |
| Average equity | $10,695,000 | 4,322 |
| Average total loans | $35,490,000 | 4,814 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6758% | 4,396 |
| Cost of funding earning assets | 0.4100% | 3,156 |
| Net interest margin | 3.2658% | 4,267 |
| Noninterest income to average assets | 0.7293% | 1,847 |
| Noninterest expense to average assets | 2.3421% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3943% | 1,032 |
| Return on assets (ROA) | 1.3943% | 1,050 |
| Pretax return on assets | 1.3943% | 2,011 |
| Return on Equity (ROE) | 11.0453% | 1,463 |
| Retained earnings to average equity (ytd only) | 1.1851% | 4,555 |
| Net charge-offs to loans | 0.0167% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 198.8333% | 402 |
| Efficiency ratio | 62.6838% | 3,834 |
| Assets per employee ($millions) | 4.1082% | 3,800 |
| Cash dividends to net income (ytd only)* | 89.2707% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,782 |
| Loan loss allowance to noncurrent loans | 26.7880% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.0829% | 524 |
| Noncurrent loans to loans | 4.4779% | 185 |
| Net loans and leases to total assets | 40.7664% | 5,102 |
| Net loans and leases to deposits | 46.6297% | 5,176 |
| Net loans and leases to core deposits | 63.3751% | 4,576 |
| Total domestic deposits to total assets | 87.4258% | 1,803 |
| Equity capital to assets | 12.4061% | 1,572 |
| Core capital (leverage) ratio | 12.6684% | 1,276 |
| Tier 1 risk-based capital ratio | 36.2514% | 291 |
| Total risk-based capital ratio | 37.5029% | 286 |
| Memoranda: | ||
| Average total assets | $85,564,000 | 4,494 |
| Average earning assets | $78,786,400 | 4,480 |
| Average equity | $10,801,000 | 4,334 |
| Average total loans | $35,930,200 | 4,847 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 4,300 |
| Cost of funding earning assets | 0.3815% | 3,364 |
| Net interest margin | 3.3270% | 4,084 |
| Noninterest income to average assets | 0.7542% | 1,764 |
| Noninterest expense to average assets | 2.2954% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5224% | 855 |
| Return on assets (ROA) | 1.5224% | 877 |
| Pretax return on assets | 1.5224% | 1,698 |
| Return on Equity (ROE) | 12.0084% | 1,337 |
| Retained earnings to average equity (ytd only) | 2.4633% | 4,417 |
| Net charge-offs to loans | 0.0111% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 324.9925% | 282 |
| Efficiency ratio | 60.1227% | 4,192 |
| Assets per employee ($millions) | 3.9029% | 4,155 |
| Cash dividends to net income (ytd only)* | 79.4872% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,069 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 42.9033% | 5,082 |
| Net loans and leases to deposits | 49.7088% | 5,137 |
| Net loans and leases to core deposits | 65.6670% | 4,505 |
| Total domestic deposits to total assets | 86.3093% | 2,173 |
| Equity capital to assets | 13.3332% | 1,236 |
| Core capital (leverage) ratio | 13.1664% | 1,142 |
| Tier 1 risk-based capital ratio | 37.2926% | 276 |
| Total risk-based capital ratio | 38.5445% | 271 |
| Memoranda: | ||
| Average total assets | $85,387,000 | 4,540 |
| Average earning assets | $78,626,250 | 4,527 |
| Average equity | $10,825,500 | 4,376 |
| Average total loans | $36,013,500 | 4,893 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 4,392 |
| Cost of funding earning assets | 0.3360% | 3,736 |
| Net interest margin | 3.3051% | 4,089 |
| Noninterest income to average assets | 0.7651% | 1,706 |
| Noninterest expense to average assets | 2.2836% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5278% | 817 |
| Return on assets (ROA) | 1.5278% | 840 |
| Pretax return on assets | 1.5278% | 1,551 |
| Return on Equity (ROE) | 12.2506% | 1,223 |
| Retained earnings to average equity (ytd only) | 2.5205% | 4,176 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9151% | 4,328 |
| Assets per employee ($millions) | 4.0905% | 3,807 |
| Cash dividends to net income (ytd only)* | 79.4251% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,998 |
| Loan loss allowance to noncurrent loans | 746.5517% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 4,222 |
| Noncurrent loans to loans | 0.1611% | 4,475 |
| Net loans and leases to total assets | 41.4098% | 5,174 |
| Net loans and leases to deposits | 47.5554% | 5,227 |
| Net loans and leases to core deposits | 63.8778% | 4,613 |
| Total domestic deposits to total assets | 87.0768% | 1,911 |
| Equity capital to assets | 12.6519% | 1,545 |
| Core capital (leverage) ratio | 12.7082% | 1,293 |
| Tier 1 risk-based capital ratio | 36.8331% | 266 |
| Total risk-based capital ratio | 38.0869% | 264 |
| Memoranda: | ||
| Average total assets | $86,529,000 | 4,552 |
| Average earning assets | $79,756,330 | 4,536 |
| Average equity | $10,791,330 | 4,392 |
| Average total loans | $36,153,330 | 4,927 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6043% | 4,409 |
| Cost of funding earning assets | 0.3158% | 3,897 |
| Net interest margin | 3.2885% | 4,049 |
| Noninterest income to average assets | 0.7968% | 1,564 |
| Noninterest expense to average assets | 2.1878% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6305% | 639 |
| Return on assets (ROA) | 1.6305% | 655 |
| Pretax return on assets | 1.6305% | 1,163 |
| Return on Equity (ROE) | 13.1684% | 963 |
| Retained earnings to average equity (ytd only) | 2.9387% | 3,945 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2979% | 4,798 |
| Assets per employee ($millions) | 4.1510% | 3,758 |
| Cash dividends to net income (ytd only)* | 77.6836% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 3,147 |
| Loan loss allowance to noncurrent loans | 200.4630% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 3,548 |
| Noncurrent loans to loans | 0.5974% | 3,025 |
| Net loans and leases to total assets | 40.9820% | 5,210 |
| Net loans and leases to deposits | 46.8893% | 5,272 |
| Net loans and leases to core deposits | 61.2562% | 4,706 |
| Total domestic deposits to total assets | 87.4016% | 2,031 |
| Equity capital to assets | 12.3942% | 1,601 |
| Core capital (leverage) ratio | 12.5954% | 1,291 |
| Tier 1 risk-based capital ratio | 36.8280% | 278 |
| Total risk-based capital ratio | 38.0814% | 275 |
| Memoranda: | ||
| Average total assets | $86,843,500 | 4,591 |
| Average earning assets | $79,792,500 | 4,582 |
| Average equity | $10,753,000 | 4,428 |
| Average total loans | $36,228,000 | 4,967 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 4,462 |
| Cost of funding earning assets | 0.3141% | 3,908 |
| Net interest margin | 3.3069% | 4,122 |
| Noninterest income to average assets | 0.7511% | 1,953 |
| Noninterest expense to average assets | 2.2350% | 4,690 |
| Loan and lease loss provision to assets | 1.3221% | 71 |
| Net operating income to assets | 0.2302% | 5,351 |
| Return on assets (ROA) | 0.2302% | 5,423 |
| Pretax return on assets | 0.2302% | 5,458 |
| Return on Equity (ROE) | 1.8856% | 5,428 |
| Retained earnings to average equity (ytd only) | -5.1154% | 5,678 |
| Net charge-offs to loans | 3.1326% | 36 |
| Credit loss provision to net charge-offs | 99.9139% | 2,611 |
| Earnings coverage of net charge-offs (x) | 1.1731% | 4,032 |
| Efficiency ratio | 59.0129% | 4,723 |
| Assets per employee ($millions) | 4.1199% | 3,752 |
| Cash dividends to net income (ytd only)* | 371.2871% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 3,161 |
| Loan loss allowance to noncurrent loans | 274.0506% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 3,900 |
| Noncurrent loans to loans | 0.4353% | 3,583 |
| Net loans and leases to total assets | 41.4554% | 5,255 |
| Net loans and leases to deposits | 47.3779% | 5,321 |
| Net loans and leases to core deposits | 64.2069% | 4,623 |
| Total domestic deposits to total assets | 87.4996% | 1,880 |
| Equity capital to assets | 12.3698% | 1,595 |
| Core capital (leverage) ratio | 12.3840% | 1,387 |
| Tier 1 risk-based capital ratio | 30.0976% | 477 |
| Total risk-based capital ratio | 31.3051% | 474 |
| Memoranda: | ||
| Average total assets | $87,740,000 | 4,590 |
| Average earning assets | $80,560,000 | 4,581 |
| Average equity | $10,712,800 | 4,461 |
| Average total loans | $37,062,200 | 4,979 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6304% | 4,467 |
| Cost of funding earning assets | 0.3102% | 3,975 |
| Net interest margin | 3.3201% | 4,129 |
| Noninterest income to average assets | 0.7647% | 1,916 |
| Noninterest expense to average assets | 2.1806% | 4,814 |
| Loan and lease loss provision to assets | 1.7566% | 49 |
| Net operating income to assets | -0.1257% | 5,769 |
| Return on assets (ROA) | -0.1257% | 5,785 |
| Pretax return on assets | -0.1257% | 5,780 |
| Return on Equity (ROE) | -1.0327% | 5,783 |
| Retained earnings to average equity (ytd only) | -10.3648% | 5,850 |
| Net charge-offs to loans | 4.1374% | 19 |
| Credit loss provision to net charge-offs | 100.3460% | 2,345 |
| Earnings coverage of net charge-offs (x) | 0.9317% | 3,750 |
| Efficiency ratio | 57.2110% | 4,930 |
| Assets per employee ($millions) | 4.0036% | 3,956 |
| Cash dividends to net income (ytd only)* | -903.6508% | 5,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 3,044 |
| Loan loss allowance to noncurrent loans | 277.2152% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,986 |
| Noncurrent loans to loans | 0.4447% | 3,690 |
| Net loans and leases to total assets | 41.7420% | 5,306 |
| Net loans and leases to deposits | 47.9158% | 5,382 |
| Net loans and leases to core deposits | 62.8548% | 4,783 |
| Total domestic deposits to total assets | 87.1152% | 1,847 |
| Equity capital to assets | 12.5827% | 1,727 |
| Core capital (leverage) ratio | 12.2477% | 1,515 |
| Tier 1 risk-based capital ratio | 30.3025% | 469 |
| Total risk-based capital ratio | 31.5541% | 467 |
| Memoranda: | ||
| Average total assets | $88,045,750 | 4,619 |
| Average earning assets | $80,798,250 | 4,607 |
| Average equity | $10,715,500 | 4,504 |
| Average total loans | $37,253,000 | 5,018 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 4,483 |
| Cost of funding earning assets | 0.3049% | 4,067 |
| Net interest margin | 3.3320% | 4,110 |
| Noninterest income to average assets | 0.7721% | 1,838 |
| Noninterest expense to average assets | 2.1596% | 4,932 |
| Loan and lease loss provision to assets | 2.5960% | 28 |
| Net operating income to assets | -0.9265% | 5,974 |
| Return on assets (ROA) | -0.9265% | 5,977 |
| Pretax return on assets | -0.9265% | 5,968 |
| Return on Equity (ROE) | -7.6945% | 5,959 |
| Retained earnings to average equity (ytd only) | -16.9873% | 5,951 |
| Net charge-offs to loans | 6.1121% | 9 |
| Credit loss provision to net charge-offs | 100.3460% | 2,080 |
| Earnings coverage of net charge-offs (x) | 0.6453% | 3,502 |
| Efficiency ratio | 56.3998% | 5,102 |
| Assets per employee ($millions) | 4.2183% | 3,525 |
| Cash dividends to net income (ytd only)* | -120.7729% | 6,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 3,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 4,868 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 40.4064% | 5,403 |
| Net loans and leases to deposits | 45.9835% | 5,500 |
| Net loans and leases to core deposits | 62.5070% | 4,853 |
| Total domestic deposits to total assets | 87.8715% | 1,494 |
| Equity capital to assets | 11.9038% | 2,191 |
| Core capital (leverage) ratio | 11.8283% | 1,743 |
| Tier 1 risk-based capital ratio | 29.7574% | 509 |
| Total risk-based capital ratio | 31.0074% | 495 |
| Memoranda: | ||
| Average total assets | $89,369,000 | 4,630 |
| Average earning assets | $81,993,670 | 4,622 |
| Average equity | $10,761,000 | 4,531 |
| Average total loans | $37,826,330 | 5,047 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6968% | 4,336 |
| Cost of funding earning assets | 0.3036% | 4,120 |
| Net interest margin | 3.3932% | 3,897 |
| Noninterest income to average assets | 0.8378% | 1,483 |
| Noninterest expense to average assets | 2.0365% | 5,252 |
| Loan and lease loss provision to assets | 5.1693% | 6 |
| Net operating income to assets | -3.2798% | 6,096 |
| Return on assets (ROA) | -3.2798% | 6,095 |
| Pretax return on assets | -3.2798% | 6,090 |
| Return on Equity (ROE) | -27.0862% | 6,082 |
| Retained earnings to average equity (ytd only) | -36.2867% | 6,048 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8729% | 5,523 |
| Assets per employee ($millions) | 4.2490% | 3,496 |
| Cash dividends to net income (ytd only)* | -33.9674% | 6,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1780% | 82 |
| Loan loss allowance to noncurrent loans | 137.7701% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4536% | 1,421 |
| Noncurrent loans to loans | 3.0326% | 527 |
| Net loans and leases to total assets | 40.9714% | 5,402 |
| Net loans and leases to deposits | 46.4919% | 5,489 |
| Net loans and leases to core deposits | 59.8399% | 4,950 |
| Total domestic deposits to total assets | 88.1259% | 1,575 |
| Equity capital to assets | 11.6712% | 2,272 |
| Core capital (leverage) ratio | 11.4858% | 1,984 |
| Tier 1 risk-based capital ratio | 29.2357% | 538 |
| Total risk-based capital ratio | 30.5260% | 528 |
| Memoranda: | ||
| Average total assets | $89,761,000 | 4,665 |
| Average earning assets | $81,693,000 | 4,665 |
| Average equity | $10,869,000 | 4,531 |
| Average total loans | $38,623,500 | 5,063 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 3,624 |
| Cost of funding earning assets | 0.2945% | 4,312 |
| Net interest margin | 3.6287% | 3,021 |
| Noninterest income to average assets | 0.8860% | 1,479 |
| Noninterest expense to average assets | 2.2872% | 4,826 |
| Loan and lease loss provision to assets | 0.0167% | 4,078 |
| Net operating income to assets | 1.7831% | 499 |
| Return on assets (ROA) | 1.7831% | 510 |
| Pretax return on assets | 1.7831% | 831 |
| Return on Equity (ROE) | 14.0991% | 828 |
| Retained earnings to average equity (ytd only) | 2.2474% | 4,440 |
| Net charge-offs to loans | 0.0125% | 4,053 |
| Credit loss provision to net charge-offs | 300.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 324.2000% | 217 |
| Efficiency ratio | 55.9631% | 5,347 |
| Assets per employee ($millions) | 4.1043% | 3,754 |
| Cash dividends to net income (ytd only)* | 84.0598% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,990 |
| Loan loss allowance to noncurrent loans | 374.1379% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 5,082 |
| Noncurrent loans to loans | 0.2967% | 4,395 |
| Net loans and leases to total assets | 42.8168% | 5,360 |
| Net loans and leases to deposits | 49.0230% | 5,438 |
| Net loans and leases to core deposits | 63.5558% | 4,764 |
| Total domestic deposits to total assets | 87.3402% | 1,958 |
| Equity capital to assets | 12.5413% | 1,605 |
| Core capital (leverage) ratio | 12.5050% | 1,350 |
| Tier 1 risk-based capital ratio | 30.1735% | 498 |
| Total risk-based capital ratio | 31.3282% | 495 |
| Memoranda: | ||
| Average total assets | $90,066,600 | 4,674 |
| Average earning assets | $79,450,400 | 4,730 |
| Average equity | $11,390,800 | 4,409 |
| Average total loans | $40,032,400 | 5,016 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 3,530 |
| Cost of funding earning assets | 0.2918% | 4,431 |
| Net interest margin | 3.6619% | 2,922 |
| Noninterest income to average assets | 0.9273% | 1,378 |
| Noninterest expense to average assets | 2.2560% | 4,892 |
| Loan and lease loss provision to assets | 0.0222% | 3,831 |
| Net operating income to assets | 1.8649% | 454 |
| Return on assets (ROA) | 1.8649% | 476 |
| Pretax return on assets | 1.8649% | 776 |
| Return on Equity (ROE) | 14.7151% | 767 |
| Retained earnings to average equity (ytd only) | 5.9492% | 2,280 |
| Net charge-offs to loans | 0.0099% | 3,825 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 424.6550% | 173 |
| Efficiency ratio | 54.4512% | 5,478 |
| Assets per employee ($millions) | 3.8350% | 4,198 |
| Cash dividends to net income (ytd only)* | 59.5716% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 4,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.5741% | 5,187 |
| Net loans and leases to deposits | 54.2531% | 5,235 |
| Net loans and leases to core deposits | 66.4137% | 4,663 |
| Total domestic deposits to total assets | 85.8458% | 2,615 |
| Equity capital to assets | 13.8756% | 1,074 |
| Core capital (leverage) ratio | 13.4533% | 1,034 |
| Tier 1 risk-based capital ratio | 30.5240% | 495 |
| Total risk-based capital ratio | 31.6719% | 492 |
| Memoranda: | ||
| Average total assets | $90,009,750 | 4,724 |
| Average earning assets | $79,046,750 | 4,799 |
| Average equity | $11,407,500 | 4,456 |
| Average total loans | $40,266,750 | 5,052 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 3,745 |
| Cost of funding earning assets | 0.2873% | 4,534 |
| Net interest margin | 3.5983% | 3,101 |
| Noninterest income to average assets | 0.9642% | 1,263 |
| Noninterest expense to average assets | 2.2353% | 5,017 |
| Loan and lease loss provision to assets | 0.0218% | 3,696 |
| Net operating income to assets | 1.8696% | 452 |
| Return on assets (ROA) | 1.8696% | 470 |
| Pretax return on assets | 1.8696% | 785 |
| Return on Equity (ROE) | 15.1932% | 713 |
| Retained earnings to average equity (ytd only) | 6.3497% | 2,031 |
| Net charge-offs to loans | 0.0148% | 3,416 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 289.6667% | 235 |
| Efficiency ratio | 54.1667% | 5,571 |
| Assets per employee ($millions) | 3.9996% | 3,887 |
| Cash dividends to net income (ytd only)* | 58.2072% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 4,432 |
| Loan loss allowance to noncurrent loans | 368.3761% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 5,322 |
| Noncurrent loans to loans | 0.2936% | 4,629 |
| Net loans and leases to total assets | 44.8012% | 5,324 |
| Net loans and leases to deposits | 51.6732% | 5,402 |
| Net loans and leases to core deposits | 63.8800% | 4,812 |
| Total domestic deposits to total assets | 86.7009% | 2,319 |
| Equity capital to assets | 13.0820% | 1,359 |
| Core capital (leverage) ratio | 12.8227% | 1,243 |
| Tier 1 risk-based capital ratio | 29.7540% | 558 |
| Total risk-based capital ratio | 30.8746% | 554 |
| Memoranda: | ||
| Average total assets | $91,889,330 | 4,729 |
| Average earning assets | $80,761,000 | 4,807 |
| Average equity | $11,307,670 | 4,505 |
| Average total loans | $40,445,330 | 5,088 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 3,931 |
| Cost of funding earning assets | 0.2890% | 4,562 |
| Net interest margin | 3.5304% | 3,301 |
| Noninterest income to average assets | 0.7630% | 1,851 |
| Noninterest expense to average assets | 2.1143% | 5,347 |
| Loan and lease loss provision to assets | 0.0213% | 3,437 |
| Net operating income to assets | 1.7519% | 527 |
| Return on assets (ROA) | 1.7519% | 558 |
| Pretax return on assets | 1.7519% | 948 |
| Return on Equity (ROE) | 14.6707% | 758 |
| Retained earnings to average equity (ytd only) | 5.7469% | 2,634 |
| Net charge-offs to loans | 0.0295% | 2,591 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 138.6667% | 381 |
| Efficiency ratio | 54.3860% | 5,646 |
| Assets per employee ($millions) | 4.3916% | 3,211 |
| Cash dividends to net income (ytd only)* | 60.8273% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 4,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 5,778 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 43.2755% | 5,403 |
| Net loans and leases to deposits | 49.4352% | 5,495 |
| Net loans and leases to core deposits | 60.6673% | 4,943 |
| Total domestic deposits to total assets | 87.5400% | 2,080 |
| Equity capital to assets | 12.2985% | 1,822 |
| Core capital (leverage) ratio | 11.9096% | 1,696 |
| Tier 1 risk-based capital ratio | 28.6603% | 608 |
| Total risk-based capital ratio | 29.7459% | 610 |
| Memoranda: | ||
| Average total assets | $93,838,500 | 4,725 |
| Average earning assets | $83,049,000 | 4,796 |
| Average equity | $11,206,000 | 4,558 |
| Average total loans | $40,742,000 | 5,118 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8174% | 4,436 |
| Cost of funding earning assets | 0.3055% | 4,736 |
| Net interest margin | 3.5119% | 3,746 |
| Noninterest income to average assets | 0.7740% | 1,975 |
| Noninterest expense to average assets | 2.1520% | 5,454 |
| Loan and lease loss provision to assets | 0.0210% | 4,195 |
| Net operating income to assets | 1.7231% | 556 |
| Return on assets (ROA) | 1.7231% | 567 |
| Pretax return on assets | 1.7231% | 933 |
| Return on Equity (ROE) | 14.7569% | 819 |
| Retained earnings to average equity (ytd only) | 2.3173% | 4,579 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2355% | 5,746 |
| Assets per employee ($millions) | 4.3388% | 3,289 |
| Cash dividends to net income (ytd only)* | 84.2970% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 4,904 |
| Loan loss allowance to noncurrent loans | 42,400.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 5,876 |
| Noncurrent loans to loans | 0.0024% | 5,925 |
| Net loans and leases to total assets | 42.6635% | 5,567 |
| Net loans and leases to deposits | 48.3296% | 5,668 |
| Net loans and leases to core deposits | 61.4053% | 5,049 |
| Total domestic deposits to total assets | 88.2760% | 1,626 |
| Equity capital to assets | 11.5972% | 2,348 |
| Core capital (leverage) ratio | 11.4225% | 2,044 |
| Tier 1 risk-based capital ratio | 27.5479% | 641 |
| Total risk-based capital ratio | 28.6016% | 634 |
| Memoranda: | ||
| Average total assets | $95,353,200 | 4,707 |
| Average earning assets | $84,768,800 | 4,766 |
| Average equity | $11,133,800 | 4,535 |
| Average total loans | $40,191,800 | 5,177 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 4,475 |
| Cost of funding earning assets | 0.3072% | 4,817 |
| Net interest margin | 3.5118% | 3,781 |
| Noninterest income to average assets | 0.7749% | 1,991 |
| Noninterest expense to average assets | 2.1161% | 5,534 |
| Loan and lease loss provision to assets | 0.0210% | 3,990 |
| Net operating income to assets | 1.7553% | 551 |
| Return on assets (ROA) | 1.7553% | 572 |
| Pretax return on assets | 1.7553% | 971 |
| Return on Equity (ROE) | 15.0074% | 825 |
| Retained earnings to average equity (ytd only) | 6.0389% | 2,387 |
| Net charge-offs to loans | -0.0033% | 5,235 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3658% | 5,791 |
| Assets per employee ($millions) | 4.2062% | 3,473 |
| Cash dividends to net income (ytd only)* | 59.7613% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 5,149 |
| Loan loss allowance to noncurrent loans | 42,000.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 5,635 |
| Noncurrent loans to loans | 0.0024% | 6,045 |
| Net loans and leases to total assets | 44.3038% | 5,502 |
| Net loans and leases to deposits | 50.6511% | 5,606 |
| Net loans and leases to core deposits | 64.5155% | 4,840 |
| Total domestic deposits to total assets | 87.4687% | 2,050 |
| Equity capital to assets | 12.2806% | 1,845 |
| Core capital (leverage) ratio | 12.0247% | 1,691 |
| Tier 1 risk-based capital ratio | 27.4458% | 680 |
| Total risk-based capital ratio | 28.4631% | 680 |
| Memoranda: | ||
| Average total assets | $95,328,000 | 4,757 |
| Average earning assets | $84,628,000 | 4,817 |
| Average equity | $11,149,750 | 4,564 |
| Average total loans | $39,952,750 | 5,245 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 4,638 |
| Cost of funding earning assets | 0.3063% | 4,911 |
| Net interest margin | 3.4587% | 3,945 |
| Noninterest income to average assets | 0.7729% | 1,948 |
| Noninterest expense to average assets | 2.0279% | 5,779 |
| Loan and lease loss provision to assets | 0.0208% | 3,855 |
| Net operating income to assets | 1.7972% | 496 |
| Return on assets (ROA) | 1.7972% | 513 |
| Pretax return on assets | 1.7972% | 850 |
| Return on Equity (ROE) | 15.6161% | 694 |
| Retained earnings to average equity (ytd only) | 6.5894% | 1,986 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7283% | 6,014 |
| Assets per employee ($millions) | 4.2907% | 3,287 |
| Cash dividends to net income (ytd only)* | 57.8035% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 5,135 |
| Loan loss allowance to noncurrent loans | 41,400.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 5,749 |
| Noncurrent loans to loans | 0.0025% | 6,108 |
| Net loans and leases to total assets | 41.4566% | 5,714 |
| Net loans and leases to deposits | 47.1857% | 5,818 |
| Net loans and leases to core deposits | 63.2596% | 4,885 |
| Total domestic deposits to total assets | 87.8585% | 1,993 |
| Equity capital to assets | 11.9244% | 2,045 |
| Core capital (leverage) ratio | 11.6914% | 1,858 |
| Tier 1 risk-based capital ratio | 28.1662% | 632 |
| Total risk-based capital ratio | 29.2082% | 634 |
| Memoranda: | ||
| Average total assets | $96,258,670 | 4,769 |
| Average earning assets | $85,523,330 | 4,837 |
| Average equity | $11,078,330 | 4,593 |
| Average total loans | $39,464,670 | 5,302 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 4,343 |
| Cost of funding earning assets | 0.3060% | 5,004 |
| Net interest margin | 3.5285% | 3,576 |
| Noninterest income to average assets | 0.7861% | 1,815 |
| Noninterest expense to average assets | 2.0414% | 5,799 |
| Loan and lease loss provision to assets | 0.0206% | 3,558 |
| Net operating income to assets | 1.8561% | 439 |
| Return on assets (ROA) | 1.8561% | 462 |
| Pretax return on assets | 1.8561% | 717 |
| Return on Equity (ROE) | 16.4157% | 600 |
| Retained earnings to average equity (ytd only) | 7.3161% | 1,901 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1008% | 6,131 |
| Assets per employee ($millions) | 4.3835% | 3,177 |
| Cash dividends to net income (ytd only)* | 55.4324% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 5,353 |
| Loan loss allowance to noncurrent loans | 1,363.3333% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 5,877 |
| Noncurrent loans to loans | 0.0763% | 5,909 |
| Net loans and leases to total assets | 40.3555% | 5,785 |
| Net loans and leases to deposits | 45.6613% | 5,874 |
| Net loans and leases to core deposits | 63.0098% | 4,787 |
| Total domestic deposits to total assets | 88.3801% | 2,003 |
| Equity capital to assets | 11.4872% | 2,261 |
| Core capital (leverage) ratio | 11.3117% | 2,126 |
| Tier 1 risk-based capital ratio | 27.4930% | 680 |
| Total risk-based capital ratio | 28.5127% | 680 |
| Memoranda: | ||
| Average total assets | $97,190,500 | 4,792 |
| Average earning assets | $86,268,000 | 4,860 |
| Average equity | $10,989,500 | 4,616 |
| Average total loans | $39,423,500 | 5,344 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 5,107 |
| Cost of funding earning assets | 0.3230% | 5,395 |
| Net interest margin | 3.3854% | 4,333 |
| Noninterest income to average assets | 0.6742% | 2,677 |
| Noninterest expense to average assets | 2.0472% | 5,928 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.6051% | 684 |
| Return on assets (ROA) | 1.6051% | 702 |
| Pretax return on assets | 1.6051% | 1,154 |
| Return on Equity (ROE) | 14.5291% | 846 |
| Retained earnings to average equity (ytd only) | 2.7749% | 4,266 |
| Net charge-offs to loans | 0.0051% | 5,366 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 788.0000% | 47 |
| Efficiency ratio | 56.0513% | 5,941 |
| Assets per employee ($millions) | 4.6640% | 2,632 |
| Cash dividends to net income (ytd only)* | 80.9010% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 5,452 |
| Loan loss allowance to noncurrent loans | 20,200.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 6,061 |
| Noncurrent loans to loans | 0.0051% | 6,289 |
| Net loans and leases to total assets | 39.9375% | 5,971 |
| Net loans and leases to deposits | 44.9873% | 6,072 |
| Net loans and leases to core deposits | 63.5340% | 4,913 |
| Total domestic deposits to total assets | 88.7751% | 1,765 |
| Equity capital to assets | 11.1299% | 2,499 |
| Core capital (leverage) ratio | 11.0085% | 2,377 |
| Tier 1 risk-based capital ratio | 27.0366% | 677 |
| Total risk-based capital ratio | 28.0456% | 685 |
| Memoranda: | ||
| Average total assets | $98,185,200 | 4,790 |
| Average earning assets | $86,369,800 | 4,871 |
| Average equity | $10,847,200 | 4,667 |
| Average total loans | $38,893,600 | 5,396 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 5,221 |
| Cost of funding earning assets | 0.3288% | 5,476 |
| Net interest margin | 3.3505% | 4,463 |
| Noninterest income to average assets | 0.6772% | 2,741 |
| Noninterest expense to average assets | 2.0126% | 5,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5960% | 754 |
| Return on assets (ROA) | 1.5960% | 802 |
| Pretax return on assets | 1.5960% | 1,341 |
| Return on Equity (ROE) | 14.4729% | 892 |
| Retained earnings to average equity (ytd only) | 5.2428% | 2,905 |
| Net charge-offs to loans | 0.0069% | 5,030 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 587.2509% | 97 |
| Efficiency ratio | 55.7728% | 5,931 |
| Assets per employee ($millions) | 4.4490% | 2,959 |
| Cash dividends to net income (ytd only)* | 63.7759% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 5,584 |
| Loan loss allowance to noncurrent loans | 448.8889% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 6,149 |
| Noncurrent loans to loans | 0.2305% | 5,656 |
| Net loans and leases to total assets | 41.3548% | 5,943 |
| Net loans and leases to deposits | 46.9745% | 6,039 |
| Net loans and leases to core deposits | 61.9461% | 5,121 |
| Total domestic deposits to total assets | 88.0368% | 2,109 |
| Equity capital to assets | 11.7813% | 2,059 |
| Core capital (leverage) ratio | 11.5645% | 1,989 |
| Tier 1 risk-based capital ratio | 27.8297% | 644 |
| Total risk-based capital ratio | 28.8564% | 643 |
| Memoranda: | ||
| Average total assets | $98,245,750 | 4,826 |
| Average earning assets | $85,956,000 | 4,928 |
| Average equity | $10,833,750 | 4,724 |
| Average total loans | $38,737,000 | 5,450 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 5,438 |
| Cost of funding earning assets | 0.3357% | 5,516 |
| Net interest margin | 3.2632% | 4,718 |
| Noninterest income to average assets | 0.6349% | 2,991 |
| Noninterest expense to average assets | 1.9088% | 6,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5884% | 761 |
| Return on assets (ROA) | 1.5884% | 831 |
| Pretax return on assets | 1.5884% | 1,400 |
| Return on Equity (ROE) | 14.7179% | 863 |
| Retained earnings to average equity (ytd only) | 5.4380% | 2,778 |
| Net charge-offs to loans | 0.0104% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 396.5000% | 124 |
| Efficiency ratio | 54.5819% | 6,095 |
| Assets per employee ($millions) | 4.5727% | 2,689 |
| Cash dividends to net income (ytd only)* | 63.0517% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 5,603 |
| Loan loss allowance to noncurrent loans | 1,346.6667% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 6,433 |
| Noncurrent loans to loans | 0.0784% | 6,161 |
| Net loans and leases to total assets | 39.4289% | 6,080 |
| Net loans and leases to deposits | 44.5126% | 6,197 |
| Net loans and leases to core deposits | 59.1769% | 5,330 |
| Total domestic deposits to total assets | 88.5791% | 1,868 |
| Equity capital to assets | 11.2699% | 2,501 |
| Core capital (leverage) ratio | 11.0432% | 2,312 |
| Tier 1 risk-based capital ratio | 27.8319% | 636 |
| Total risk-based capital ratio | 28.8713% | 643 |
| Memoranda: | ||
| Average total assets | $99,851,670 | 4,823 |
| Average earning assets | $87,582,000 | 4,913 |
| Average equity | $10,776,000 | 4,772 |
| Average total loans | $38,635,670 | 5,484 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5464% | 5,588 |
| Cost of funding earning assets | 0.3475% | 5,558 |
| Net interest margin | 3.1989% | 4,938 |
| Noninterest income to average assets | 0.6486% | 2,884 |
| Noninterest expense to average assets | 1.8710% | 6,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5998% | 711 |
| Return on assets (ROA) | 1.5998% | 774 |
| Pretax return on assets | 1.5998% | 1,307 |
| Return on Equity (ROE) | 15.1400% | 735 |
| Retained earnings to average equity (ytd only) | 5.8402% | 2,763 |
| Net charge-offs to loans | 0.0206% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 203.5000% | 197 |
| Efficiency ratio | 53.9071% | 6,237 |
| Assets per employee ($millions) | 4.8101% | 2,468 |
| Cash dividends to net income (ytd only)* | 61.4251% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 5,771 |
| Loan loss allowance to noncurrent loans | 1,188.2353% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 6,508 |
| Noncurrent loans to loans | 0.0888% | 6,213 |
| Net loans and leases to total assets | 37.4873% | 6,184 |
| Net loans and leases to deposits | 42.0487% | 6,317 |
| Net loans and leases to core deposits | 56.9489% | 5,438 |
| Total domestic deposits to total assets | 89.1519% | 1,595 |
| Equity capital to assets | 10.7164% | 3,301 |
| Core capital (leverage) ratio | 10.4704% | 2,821 |
| Tier 1 risk-based capital ratio | 27.6456% | 661 |
| Total risk-based capital ratio | 28.6912% | 665 |
| Memoranda: | ||
| Average total assets | $101,764,500 | 4,817 |
| Average earning assets | $89,781,000 | 4,891 |
| Average equity | $10,753,000 | 4,821 |
| Average total loans | $38,820,500 | 5,512 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 5,973 |
| Cost of funding earning assets | 0.3735% | 6,085 |
| Net interest margin | 3.3642% | 5,023 |
| Noninterest income to average assets | 0.5821% | 3,384 |
| Noninterest expense to average assets | 1.8487% | 6,553 |
| Loan and lease loss provision to assets | 0.0295% | 5,526 |
| Net operating income to assets | 1.6665% | 665 |
| Return on assets (ROA) | 1.6665% | 741 |
| Pretax return on assets | 1.6665% | 1,224 |
| Return on Equity (ROE) | 15.9241% | 675 |
| Retained earnings to average equity (ytd only) | 3.6893% | 3,627 |
| Net charge-offs to loans | 0.0208% | 5,613 |
| Credit loss provision to net charge-offs | 375.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 215.2500% | 200 |
| Efficiency ratio | 52.1534% | 6,452 |
| Assets per employee ($millions) | 4.8817% | 2,380 |
| Cash dividends to net income (ytd only)* | 76.8322% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 5,848 |
| Loan loss allowance to noncurrent loans | 1,015.0000% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 6,554 |
| Noncurrent loans to loans | 0.1016% | 6,234 |
| Net loans and leases to total assets | 38.0077% | 6,309 |
| Net loans and leases to deposits | 42.4768% | 6,445 |
| Net loans and leases to core deposits | 61.1757% | 5,254 |
| Total domestic deposits to total assets | 89.4787% | 1,258 |
| Equity capital to assets | 10.4189% | 3,629 |
| Core capital (leverage) ratio | 10.1715% | 3,172 |
| Tier 1 risk-based capital ratio | 26.7812% | 707 |
| Total risk-based capital ratio | 27.8142% | 717 |
| Memoranda: | ||
| Average total assets | $101,532,400 | 4,789 |
| Average earning assets | $89,412,400 | 4,886 |
| Average equity | $10,625,400 | 4,837 |
| Average total loans | $38,379,800 | 5,572 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 6,188 |
| Cost of funding earning assets | 0.3757% | 6,253 |
| Net interest margin | 3.3472% | 5,224 |
| Noninterest income to average assets | 0.5621% | 3,531 |
| Noninterest expense to average assets | 1.8021% | 6,684 |
| Loan and lease loss provision to assets | 0.0303% | 5,403 |
| Net operating income to assets | 1.6731% | 732 |
| Return on assets (ROA) | 1.6731% | 812 |
| Pretax return on assets | 1.6731% | 1,352 |
| Return on Equity (ROE) | 15.9697% | 745 |
| Retained earnings to average equity (ytd only) | 6.5462% | 2,362 |
| Net charge-offs to loans | 0.0315% | 5,202 |
| Credit loss provision to net charge-offs | 255.5556% | 1,072 |
| Earnings coverage of net charge-offs (x) | 143.7742% | 310 |
| Efficiency ratio | 51.4082% | 6,500 |
| Assets per employee ($millions) | 4.6645% | 2,651 |
| Cash dividends to net income (ytd only)* | 59.0091% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 6,063 |
| Loan loss allowance to noncurrent loans | 1,206.0606% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 6,684 |
| Noncurrent loans to loans | 0.0833% | 6,406 |
| Net loans and leases to total assets | 40.0433% | 6,279 |
| Net loans and leases to deposits | 45.1281% | 6,450 |
| Net loans and leases to core deposits | 60.9703% | 5,457 |
| Total domestic deposits to total assets | 88.7325% | 1,574 |
| Equity capital to assets | 11.0828% | 3,177 |
| Core capital (leverage) ratio | 10.4392% | 2,988 |
| Tier 1 risk-based capital ratio | 26.8959% | 752 |
| Total risk-based capital ratio | 27.9006% | 752 |
| Memoranda: | ||
| Average total assets | $101,286,500 | 4,847 |
| Average earning assets | $89,066,250 | 4,935 |
| Average equity | $10,611,500 | 4,887 |
| Average total loans | $38,132,250 | 5,649 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6654% | 6,396 |
| Cost of funding earning assets | 0.3683% | 6,425 |
| Net interest margin | 3.2971% | 5,447 |
| Noninterest income to average assets | 0.5527% | 3,568 |
| Noninterest expense to average assets | 1.7715% | 6,781 |
| Loan and lease loss provision to assets | 0.0293% | 5,301 |
| Net operating income to assets | 1.6543% | 743 |
| Return on assets (ROA) | 1.6543% | 828 |
| Pretax return on assets | 1.6543% | 1,383 |
| Return on Equity (ROE) | 16.0874% | 760 |
| Retained earnings to average equity (ytd only) | 6.5907% | 2,336 |
| Net charge-offs to loans | 0.0372% | 4,857 |
| Credit loss provision to net charge-offs | 214.2857% | 1,318 |
| Earnings coverage of net charge-offs (x) | 123.1429% | 360 |
| Efficiency ratio | 51.2719% | 6,556 |
| Assets per employee ($millions) | 4.8064% | 2,431 |
| Cash dividends to net income (ytd only)* | 59.0319% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 6,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 38.0265% | 6,476 |
| Net loans and leases to deposits | 42.5922% | 6,622 |
| Net loans and leases to core deposits | 60.5786% | 5,533 |
| Total domestic deposits to total assets | 89.2802% | 1,340 |
| Equity capital to assets | 10.5702% | 3,600 |
| Core capital (leverage) ratio | 10.3496% | 2,986 |
| Tier 1 risk-based capital ratio | 26.6218% | 758 |
| Total risk-based capital ratio | 27.6175% | 764 |
| Memoranda: | ||
| Average total assets | $102,397,330 | 4,849 |
| Average earning assets | $90,140,000 | 4,929 |
| Average equity | $10,530,000 | 4,907 |
| Average total loans | $37,635,670 | 5,702 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6225% | 6,550 |
| Cost of funding earning assets | 0.3667% | 6,561 |
| Net interest margin | 3.2559% | 5,619 |
| Noninterest income to average assets | 0.5585% | 3,508 |
| Noninterest expense to average assets | 1.6058% | 6,969 |
| Loan and lease loss provision to assets | 0.0272% | 5,019 |
| Net operating income to assets | 1.7842% | 615 |
| Return on assets (ROA) | 1.7842% | 690 |
| Pretax return on assets | 1.7842% | 1,107 |
| Return on Equity (ROE) | 17.5900% | 597 |
| Retained earnings to average equity (ytd only) | 8.0302% | 1,973 |
| Net charge-offs to loans | -0.0108% | 5,971 |
| Credit loss provision to net charge-offs | -700.0000% | 5,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9921% | 6,852 |
| Assets per employee ($millions) | 4.8694% | 2,431 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 6,056 |
| Loan loss allowance to noncurrent loans | 7,840.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 6,935 |
| Noncurrent loans to loans | 0.0135% | 6,754 |
| Net loans and leases to total assets | 35.8710% | 6,629 |
| Net loans and leases to deposits | 40.0531% | 6,732 |
| Net loans and leases to core deposits | 55.7810% | 5,921 |
| Total domestic deposits to total assets | 89.5588% | 1,330 |
| Equity capital to assets | 10.3258% | 3,705 |
| Core capital (leverage) ratio | 9.8816% | 3,525 |
| Tier 1 risk-based capital ratio | 26.5022% | 764 |
| Total risk-based capital ratio | 27.5066% | 770 |
| Memoranda: | ||
| Average total assets | $103,128,500 | 4,861 |
| Average earning assets | $90,544,500 | 4,943 |
| Average equity | $10,460,500 | 4,927 |
| Average total loans | $37,066,500 | 5,775 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 6,560 |
| Cost of funding earning assets | 0.4194% | 6,835 |
| Net interest margin | 3.5189% | 5,077 |
| Noninterest income to average assets | 0.5750% | 3,334 |
| Noninterest expense to average assets | 1.9210% | 6,801 |
| Loan and lease loss provision to assets | 0.0145% | 6,366 |
| Net operating income to assets | 1.7804% | 477 |
| Return on assets (ROA) | 1.7804% | 519 |
| Pretax return on assets | 1.7804% | 842 |
| Return on Equity (ROE) | 17.5278% | 423 |
| Retained earnings to average equity (ytd only) | 4.1624% | 3,218 |
| Net charge-offs to loans | 0.0109% | 6,275 |
| Credit loss provision to net charge-offs | 375.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 462.7500% | 74 |
| Efficiency ratio | 51.6962% | 6,725 |
| Assets per employee ($millions) | 4.9523% | 2,266 |
| Cash dividends to net income (ytd only)* | 76.2527% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 6,049 |
| Loan loss allowance to noncurrent loans | 2,021.0526% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 6,928 |
| Noncurrent loans to loans | 0.0513% | 6,692 |
| Net loans and leases to total assets | 35.2657% | 6,802 |
| Net loans and leases to deposits | 39.2018% | 6,915 |
| Net loans and leases to core deposits | 53.6984% | 6,321 |
| Total domestic deposits to total assets | 89.9595% | 1,019 |
| Equity capital to assets | 9.9636% | 4,210 |
| Core capital (leverage) ratio | 9.8432% | 3,523 |
| Tier 1 risk-based capital ratio | 26.3543% | 750 |
| Total risk-based capital ratio | 27.3529% | 754 |
| Memoranda: | ||
| Average total assets | $103,122,400 | 4,817 |
| Average earning assets | $92,046,400 | 4,854 |
| Average equity | $10,474,800 | 4,907 |
| Average total loans | $36,613,200 | 5,843 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 6,604 |
| Cost of funding earning assets | 0.4413% | 6,907 |
| Net interest margin | 3.5497% | 4,983 |
| Noninterest income to average assets | 0.5895% | 3,235 |
| Noninterest expense to average assets | 1.8904% | 6,861 |
| Loan and lease loss provision to assets | 0.0091% | 6,322 |
| Net operating income to assets | 1.8476% | 473 |
| Return on assets (ROA) | 1.8476% | 508 |
| Pretax return on assets | 1.8476% | 863 |
| Return on Equity (ROE) | 18.1024% | 445 |
| Retained earnings to average equity (ytd only) | 8.5815% | 1,289 |
| Net charge-offs to loans | 0.0110% | 5,999 |
| Credit loss provision to net charge-offs | 233.3333% | 1,217 |
| Earnings coverage of net charge-offs (x) | 477.6550% | 78 |
| Efficiency ratio | 50.4495% | 6,804 |
| Assets per employee ($millions) | 4.4652% | 2,981 |
| Cash dividends to net income (ytd only)* | 52.5948% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 6,213 |
| Loan loss allowance to noncurrent loans | 1,795.2381% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 7,005 |
| Noncurrent loans to loans | 0.0564% | 6,791 |
| Net loans and leases to total assets | 39.3377% | 6,687 |
| Net loans and leases to deposits | 44.4936% | 6,808 |
| Net loans and leases to core deposits | 57.6657% | 6,155 |
| Total domestic deposits to total assets | 88.4121% | 1,804 |
| Equity capital to assets | 11.4386% | 2,740 |
| Core capital (leverage) ratio | 10.8425% | 2,526 |
| Tier 1 risk-based capital ratio | 26.4004% | 800 |
| Total risk-based capital ratio | 27.3600% | 799 |
| Memoranda: | ||
| Average total assets | $102,903,250 | 4,845 |
| Average earning assets | $91,535,500 | 4,909 |
| Average equity | $10,503,000 | 4,920 |
| Average total loans | $36,501,500 | 5,896 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 6,795 |
| Cost of funding earning assets | 0.4524% | 7,001 |
| Net interest margin | 3.4562% | 5,336 |
| Noninterest income to average assets | 0.6003% | 3,140 |
| Noninterest expense to average assets | 1.8405% | 7,030 |
| Loan and lease loss provision to assets | 0.0132% | 6,111 |
| Net operating income to assets | 1.8330% | 465 |
| Return on assets (ROA) | 1.8330% | 498 |
| Pretax return on assets | 1.8330% | 822 |
| Return on Equity (ROE) | 18.6217% | 412 |
| Retained earnings to average equity (ytd only) | 9.0328% | 1,098 |
| Net charge-offs to loans | 0.0221% | 5,529 |
| Credit loss provision to net charge-offs | 175.0000% | 1,719 |
| Earnings coverage of net charge-offs (x) | 244.5000% | 138 |
| Efficiency ratio | 49.9232% | 6,946 |
| Assets per employee ($millions) | 4.6347% | 2,635 |
| Cash dividends to net income (ytd only)* | 51.4933% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 6,120 |
| Loan loss allowance to noncurrent loans | 1,044.4444% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 7,001 |
| Noncurrent loans to loans | 0.1010% | 6,722 |
| Net loans and leases to total assets | 36.2431% | 6,947 |
| Net loans and leases to deposits | 40.7286% | 7,040 |
| Net loans and leases to core deposits | 56.2107% | 6,400 |
| Total domestic deposits to total assets | 88.9868% | 1,535 |
| Equity capital to assets | 10.8950% | 3,072 |
| Core capital (leverage) ratio | 10.0554% | 3,196 |
| Tier 1 risk-based capital ratio | 26.5947% | 752 |
| Total risk-based capital ratio | 27.5780% | 767 |
| Memoranda: | ||
| Average total assets | $105,947,670 | 4,800 |
| Average earning assets | $94,613,670 | 4,864 |
| Average equity | $10,428,670 | 4,943 |
| Average total loans | $36,247,330 | 5,962 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 6,883 |
| Cost of funding earning assets | 0.4603% | 7,088 |
| Net interest margin | 3.3954% | 5,447 |
| Noninterest income to average assets | 0.5841% | 3,275 |
| Noninterest expense to average assets | 1.6833% | 7,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9518% | 372 |
| Return on assets (ROA) | 1.9518% | 390 |
| Pretax return on assets | 1.9518% | 602 |
| Return on Equity (ROE) | 20.8104% | 302 |
| Retained earnings to average equity (ytd only) | 11.1401% | 877 |
| Net charge-offs to loans | 0.0219% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 269.0000% | 112 |
| Efficiency ratio | 46.3074% | 7,194 |
| Assets per employee ($millions) | 5.3234% | 1,745 |
| Cash dividends to net income (ytd only)* | 46.4684% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 6,367 |
| Loan loss allowance to noncurrent loans | 1,374.0741% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 7,114 |
| Noncurrent loans to loans | 0.0733% | 6,855 |
| Net loans and leases to total assets | 32.6117% | 7,143 |
| Net loans and leases to deposits | 36.0165% | 7,226 |
| Net loans and leases to core deposits | 49.0033% | 6,834 |
| Total domestic deposits to total assets | 90.5466% | 821 |
| Equity capital to assets | 9.3415% | 4,664 |
| Core capital (leverage) ratio | 9.1967% | 4,293 |
| Tier 1 risk-based capital ratio | 24.9706% | 877 |
| Total risk-based capital ratio | 25.8983% | 893 |
| Memoranda: | ||
| Average total assets | $110,257,000 | 4,730 |
| Average earning assets | $99,074,500 | 4,766 |
| Average equity | $10,341,000 | 4,956 |
| Average total loans | $36,545,500 | 6,007 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 6,817 |
| Cost of funding earning assets | 0.6320% | 7,057 |
| Net interest margin | 3.6491% | 4,579 |
| Noninterest income to average assets | 0.5369% | 3,909 |
| Noninterest expense to average assets | 1.9325% | 7,112 |
| Loan and lease loss provision to assets | 0.0283% | 6,846 |
| Net operating income to assets | 1.8994% | 338 |
| Return on assets (ROA) | 1.8994% | 362 |
| Pretax return on assets | 1.8994% | 610 |
| Return on Equity (ROE) | 19.2997% | 293 |
| Retained earnings to average equity (ytd only) | 6.4524% | 1,581 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0611% | 7,123 |
| Assets per employee ($millions) | 5.1773% | 1,893 |
| Cash dividends to net income (ytd only)* | 66.5673% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 6,241 |
| Loan loss allowance to noncurrent loans | 1,130.3030% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 7,167 |
| Noncurrent loans to loans | 0.0910% | 6,903 |
| Net loans and leases to total assets | 33.0105% | 7,259 |
| Net loans and leases to deposits | 36.4851% | 7,336 |
| Net loans and leases to core deposits | 53.3450% | 6,843 |
| Total domestic deposits to total assets | 90.4767% | 846 |
| Equity capital to assets | 9.4175% | 4,523 |
| Core capital (leverage) ratio | 8.9544% | 4,612 |
| Tier 1 risk-based capital ratio | 22.2370% | 1,141 |
| Total risk-based capital ratio | 23.0923% | 1,176 |
| Memoranda: | ||
| Average total assets | $105,978,800 | 4,824 |
| Average earning assets | $96,517,000 | 4,812 |
| Average equity | $10,430,200 | 5,001 |
| Average total loans | $35,895,600 | 6,118 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 6,847 |
| Cost of funding earning assets | 0.6729% | 7,125 |
| Net interest margin | 3.7074% | 4,369 |
| Noninterest income to average assets | 0.5445% | 3,833 |
| Noninterest expense to average assets | 1.9121% | 7,190 |
| Loan and lease loss provision to assets | 0.0380% | 6,699 |
| Net operating income to assets | 1.9640% | 357 |
| Return on assets (ROA) | 1.9640% | 388 |
| Pretax return on assets | 1.9640% | 672 |
| Return on Equity (ROE) | 19.7361% | 322 |
| Retained earnings to average equity (ytd only) | 9.0473% | 1,044 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8515% | 7,221 |
| Assets per employee ($millions) | 4.5626% | 2,811 |
| Cash dividends to net income (ytd only)* | 54.1585% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 6,247 |
| Loan loss allowance to noncurrent loans | 1,130.3030% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 7,272 |
| Noncurrent loans to loans | 0.0915% | 7,002 |
| Net loans and leases to total assets | 37.2670% | 7,216 |
| Net loans and leases to deposits | 41.9717% | 7,303 |
| Net loans and leases to core deposits | 55.7634% | 6,871 |
| Total domestic deposits to total assets | 88.7908% | 1,513 |
| Equity capital to assets | 11.0600% | 2,902 |
| Core capital (leverage) ratio | 9.9587% | 3,287 |
| Tier 1 risk-based capital ratio | 23.6150% | 992 |
| Total risk-based capital ratio | 24.5197% | 1,004 |
| Memoranda: | ||
| Average total assets | $105,292,750 | 4,903 |
| Average earning assets | $95,698,750 | 4,905 |
| Average equity | $10,478,000 | 5,061 |
| Average total loans | $35,803,750 | 6,213 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 6,993 |
| Cost of funding earning assets | 0.7083% | 7,178 |
| Net interest margin | 3.6247% | 4,712 |
| Noninterest income to average assets | 0.5606% | 3,626 |
| Noninterest expense to average assets | 1.8626% | 7,312 |
| Loan and lease loss provision to assets | 0.0553% | 6,405 |
| Net operating income to assets | 1.9456% | 366 |
| Return on assets (ROA) | 1.9456% | 403 |
| Pretax return on assets | 1.9456% | 676 |
| Return on Equity (ROE) | 20.2140% | 305 |
| Retained earnings to average equity (ytd only) | 8.9095% | 1,132 |
| Net charge-offs to loans | 0.0056% | 6,294 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 1,085.0000% | 21 |
| Efficiency ratio | 48.2100% | 7,338 |
| Assets per employee ($millions) | 4.7933% | 2,459 |
| Cash dividends to net income (ytd only)* | 55.9242% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 6,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 34.5195% | 7,402 |
| Net loans and leases to deposits | 38.5816% | 7,479 |
| Net loans and leases to core deposits | 55.2460% | 6,980 |
| Total domestic deposits to total assets | 89.4714% | 1,198 |
| Equity capital to assets | 10.3955% | 3,528 |
| Core capital (leverage) ratio | 9.2176% | 4,274 |
| Tier 1 risk-based capital ratio | 23.2585% | 1,033 |
| Total risk-based capital ratio | 24.1703% | 1,055 |
| Memoranda: | ||
| Average total assets | $108,452,330 | 4,852 |
| Average earning assets | $98,822,670 | 4,849 |
| Average equity | $10,438,330 | 5,079 |
| Average total loans | $35,711,670 | 6,259 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 7,216 |
| Cost of funding earning assets | 0.7668% | 7,186 |
| Net interest margin | 3.4761% | 5,265 |
| Noninterest income to average assets | 0.5768% | 3,441 |
| Noninterest expense to average assets | 1.7125% | 7,567 |
| Loan and lease loss provision to assets | 0.0534% | 6,132 |
| Net operating income to assets | 1.9902% | 351 |
| Return on assets (ROA) | 1.9902% | 383 |
| Pretax return on assets | 1.9902% | 617 |
| Return on Equity (ROE) | 21.4474% | 304 |
| Retained earnings to average equity (ytd only) | 11.8555% | 770 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5924% | 7,566 |
| Assets per employee ($millions) | 5.2100% | 1,953 |
| Cash dividends to net income (ytd only)* | 44.7227% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 6,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 32.8669% | 7,538 |
| Net loans and leases to deposits | 36.4045% | 7,613 |
| Net loans and leases to core deposits | 53.2796% | 7,146 |
| Total domestic deposits to total assets | 90.2825% | 841 |
| Equity capital to assets | 9.5274% | 4,491 |
| Core capital (leverage) ratio | 8.1711% | 5,960 |
| Tier 1 risk-based capital ratio | 20.8867% | 1,359 |
| Total risk-based capital ratio | 21.6879% | 1,406 |
| Memoranda: | ||
| Average total assets | $112,349,000 | 4,812 |
| Average earning assets | $102,759,500 | 4,791 |
| Average equity | $10,425,500 | 5,124 |
| Average total loans | $36,008,000 | 6,315 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 7,063 |
| Cost of funding earning assets | 0.8844% | 7,430 |
| Net interest margin | 3.8602% | 3,439 |
| Noninterest income to average assets | 0.5713% | 3,848 |
| Noninterest expense to average assets | 1.9420% | 7,444 |
| Loan and lease loss provision to assets | 0.0435% | 7,122 |
| Net operating income to assets | 2.1131% | 179 |
| Return on assets (ROA) | 2.1131% | 193 |
| Pretax return on assets | 2.1131% | 332 |
| Return on Equity (ROE) | 21.2002% | 192 |
| Retained earnings to average equity (ytd only) | 9.2230% | 461 |
| Net charge-offs to loans | 0.0060% | 7,156 |
| Credit loss provision to net charge-offs | 2,250.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 1,115.5000% | 20 |
| Efficiency ratio | 47.3821% | 7,655 |
| Assets per employee ($millions) | 5.4899% | 1,652 |
| Cash dividends to net income (ytd only)* | 56.4959% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 6,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 7,451 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 30.6669% | 7,696 |
| Net loans and leases to deposits | 33.7857% | 7,765 |
| Net loans and leases to core deposits | 73.8316% | 6,544 |
| Total domestic deposits to total assets | 90.7691% | 631 |
| Equity capital to assets | 9.0444% | 5,071 |
| Core capital (leverage) ratio | 7.8185% | 6,426 |
| Tier 1 risk-based capital ratio | 19.6854% | 1,522 |
| Total risk-based capital ratio | 20.4337% | 1,581 |
| Memoranda: | ||
| Average total assets | $103,449,400 | 5,000 |
| Average earning assets | $94,529,800 | 4,991 |
| Average equity | $10,311,200 | 5,214 |
| Average total loans | $33,098,600 | 6,458 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 6,863 |
| Cost of funding earning assets | 0.8950% | 7,567 |
| Net interest margin | 4.0131% | 2,752 |
| Noninterest income to average assets | 0.5904% | 3,779 |
| Noninterest expense to average assets | 1.8841% | 7,565 |
| Loan and lease loss provision to assets | 0.0398% | 6,967 |
| Net operating income to assets | 2.3192% | 148 |
| Return on assets (ROA) | 2.3192% | 160 |
| Pretax return on assets | 2.3192% | 277 |
| Return on Equity (ROE) | 22.6663% | 182 |
| Retained earnings to average equity (ytd only) | 12.9410% | 268 |
| Net charge-offs to loans | 0.0082% | 6,843 |
| Credit loss provision to net charge-offs | 1,500.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 887.8689% | 28 |
| Efficiency ratio | 44.4028% | 7,824 |
| Assets per employee ($millions) | 4.9463% | 2,210 |
| Cash dividends to net income (ytd only)* | 42.9064% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 6,471 |
| Loan loss allowance to noncurrent loans | 1,025.0000% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 7,505 |
| Noncurrent loans to loans | 0.0940% | 7,250 |
| Net loans and leases to total assets | 32.4659% | 7,731 |
| Net loans and leases to deposits | 36.3120% | 7,814 |
| Net loans and leases to core deposits | 71.0571% | 6,909 |
| Total domestic deposits to total assets | 89.4081% | 1,014 |
| Equity capital to assets | 10.3348% | 3,690 |
| Core capital (leverage) ratio | 8.5041% | 5,483 |
| Tier 1 risk-based capital ratio | 21.7554% | 1,255 |
| Total risk-based capital ratio | 22.5420% | 1,304 |
| Memoranda: | ||
| Average total assets | $100,490,000 | 5,110 |
| Average earning assets | $91,465,250 | 5,110 |
| Average equity | $10,282,250 | 5,262 |
| Average total loans | $32,448,750 | 6,541 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 6,868 |
| Cost of funding earning assets | 0.8800% | 7,717 |
| Net interest margin | 4.0912% | 2,348 |
| Noninterest income to average assets | 0.6159% | 3,562 |
| Noninterest expense to average assets | 1.9162% | 7,605 |
| Loan and lease loss provision to assets | 0.0302% | 6,942 |
| Net operating income to assets | 2.4033% | 129 |
| Return on assets (ROA) | 2.4033% | 143 |
| Pretax return on assets | 2.4033% | 253 |
| Return on Equity (ROE) | 23.5704% | 172 |
| Retained earnings to average equity (ytd only) | 13.7001% | 272 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0537% | 7,922 |
| Assets per employee ($millions) | 5.2039% | 1,853 |
| Cash dividends to net income (ytd only)* | 41.8760% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 6,461 |
| Loan loss allowance to noncurrent loans | 283.7838% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 7,325 |
| Noncurrent loans to loans | 0.3408% | 6,661 |
| Net loans and leases to total assets | 29.5154% | 7,897 |
| Net loans and leases to deposits | 32.6977% | 7,961 |
| Net loans and leases to core deposits | 67.5455% | 7,143 |
| Total domestic deposits to total assets | 90.2674% | 725 |
| Equity capital to assets | 9.4892% | 4,622 |
| Core capital (leverage) ratio | 8.6305% | 5,210 |
| Tier 1 risk-based capital ratio | 20.9856% | 1,397 |
| Total risk-based capital ratio | 21.7395% | 1,450 |
| Memoranda: | ||
| Average total assets | $99,362,670 | 5,182 |
| Average earning assets | $90,682,670 | 5,175 |
| Average equity | $10,131,330 | 5,328 |
| Average total loans | $31,914,670 | 6,613 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3164% | 5,821 |
| Cost of funding earning assets | 0.9209% | 7,786 |
| Net interest margin | 4.3954% | 1,351 |
| Noninterest income to average assets | 0.6907% | 2,945 |
| Noninterest expense to average assets | 1.8432% | 7,641 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.8516% | 79 |
| Return on assets (ROA) | 2.8516% | 96 |
| Pretax return on assets | 2.8516% | 144 |
| Return on Equity (ROE) | 26.8877% | 145 |
| Retained earnings to average equity (ytd only) | 16.8997% | 282 |
| Net charge-offs to loans | -0.0127% | 7,330 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2599% | 8,068 |
| Assets per employee ($millions) | 4.4840% | 2,747 |
| Cash dividends to net income (ytd only)* | 37.1471% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 6,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 33.8671% | 7,805 |
| Net loans and leases to deposits | 38.0311% | 7,898 |
| Net loans and leases to core deposits | 62.1778% | 7,384 |
| Total domestic deposits to total assets | 89.0511% | 1,212 |
| Equity capital to assets | 10.7683% | 3,215 |
| Core capital (leverage) ratio | 8.7542% | 5,055 |
| Tier 1 risk-based capital ratio | 22.0507% | 1,296 |
| Total risk-based capital ratio | 22.8318% | 1,328 |
| Memoranda: | ||
| Average total assets | $94,403,000 | 5,358 |
| Average earning assets | $85,998,500 | 5,358 |
| Average equity | $10,012,000 | 5,384 |
| Average total loans | $31,587,000 | 6,676 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5347% | 7,218 |
| Cost of funding earning assets | 1.5575% | 7,522 |
| Net interest margin | 3.9772% | 3,227 |
| Noninterest income to average assets | 0.7207% | 2,984 |
| Noninterest expense to average assets | 2.0413% | 7,367 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.4319% | 146 |
| Return on assets (ROA) | 2.4319% | 147 |
| Pretax return on assets | 2.4319% | 232 |
| Return on Equity (ROE) | 25.3401% | 130 |
| Retained earnings to average equity (ytd only) | 11.2872% | 290 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6343% | 7,946 |
| Assets per employee ($millions) | 4.3019% | 2,956 |
| Cash dividends to net income (ytd only)* | 55.4570% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 5,613 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 32.4194% | 7,930 |
| Net loans and leases to deposits | 36.2997% | 8,019 |
| Net loans and leases to core deposits | 59.0243% | 7,629 |
| Total domestic deposits to total assets | 89.3101% | 915 |
| Equity capital to assets | 10.4437% | 3,566 |
| Core capital (leverage) ratio | 8.0876% | 6,343 |
| Tier 1 risk-based capital ratio | 21.1306% | 1,442 |
| Total risk-based capital ratio | 21.9157% | 1,482 |
| Memoranda: | ||
| Average total assets | $92,686,000 | 5,270 |
| Average earning assets | $87,447,800 | 5,167 |
| Average equity | $8,895,000 | 5,775 |
| Average total loans | $29,384,200 | 6,750 |