Home > Anahuac National Bank > Performance and Condition Ratios
Anahuac National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 3,930 |
| Cost of funding earning assets | 0.7972% | 3,740 |
| Net interest margin | 3.2245% | 2,814 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.2656% | 2,941 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1745% | 1,709 |
| Return on assets (ROA) | 1.1110% | 1,863 |
| Pretax return on assets | 1.1110% | 2,381 |
| Return on Equity (ROE) | 50.0400% | 53 |
| Retained earnings to average equity (ytd only) | 21.7190% | 110 |
| Net charge-offs to loans | 0.0207% | 1,925 |
| Credit loss provision to net charge-offs | 552.6316% | 626 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 627 |
| Efficiency ratio | 65.1554% | 2,459 |
| Assets per employee ($millions) | 7.2659% | 1,888 |
| Cash dividends to net income (ytd only)* | 56.6008% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4439% | 206 |
| Loan loss allowance to noncurrent loans | 666.3664% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 2,659 |
| Noncurrent loans to loans | 0.3667% | 1,885 |
| Net loans and leases to total assets | 34.8300% | 4,190 |
| Net loans and leases to deposits | 38.5949% | 4,230 |
| Net loans and leases to core deposits | 39.6039% | 4,295 |
| Total domestic deposits to total assets | 90.2500% | 697 |
| Equity capital to assets | 3.6534% | 4,517 |
| Core capital (leverage) ratio | 13.1832% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2047% | 368 |
| Memoranda: | ||
| Average total assets | $282,259,000 | 2,511 |
| Average earning assets | $266,055,800 | 2,483 |
| Average equity | $6,266,400 | 4,136 |
| Average total loans | $91,580,600 | 3,269 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,769 |
| Cost of funding earning assets | 0.7383% | 3,684 |
| Net interest margin | 3.3079% | 2,666 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.1997% | 3,076 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3133% | 1,523 |
| Return on assets (ROA) | 1.2308% | 1,697 |
| Pretax return on assets | 1.2308% | 2,224 |
| Return on Equity (ROE) | 64.6100% | 47 |
| Retained earnings to average equity (ytd only) | 48.2725% | 34 |
| Net charge-offs to loans | -0.0116% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.0062% | 2,716 |
| Assets per employee ($millions) | 6.9358% | 1,998 |
| Cash dividends to net income (ytd only)* | 25.2809% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4040% | 232 |
| Loan loss allowance to noncurrent loans | 4,522.4490% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 3,625 |
| Noncurrent loans to loans | 0.0532% | 3,371 |
| Net loans and leases to total assets | 37.0600% | 4,152 |
| Net loans and leases to deposits | 37.7513% | 4,262 |
| Net loans and leases to core deposits | 38.7075% | 4,283 |
| Total domestic deposits to total assets | 98.1700% | 36 |
| Equity capital to assets | 1.4570% | 4,560 |
| Core capital (leverage) ratio | 12.6116% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4251% | 368 |
| Memoranda: | ||
| Average total assets | $289,246,750 | 2,480 |
| Average earning assets | $273,234,750 | 2,455 |
| Average equity | $5,510,250 | 4,219 |
| Average total loans | $91,776,000 | 3,267 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 3,756 |
| Cost of funding earning assets | 0.7164% | 3,438 |
| Net interest margin | 3.2492% | 2,869 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.0673% | 3,430 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3835% | 1,373 |
| Return on assets (ROA) | 1.3546% | 1,424 |
| Pretax return on assets | 1.3546% | 1,932 |
| Return on Equity (ROE) | 66.9300% | 37 |
| Retained earnings to average equity (ytd only) | 52.4968% | 28 |
| Net charge-offs to loans | -0.0196% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.4003% | 3,032 |
| Assets per employee ($millions) | 7.5842% | 1,555 |
| Cash dividends to net income (ytd only)* | 21.5601% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4511% | 235 |
| Loan loss allowance to noncurrent loans | 218,700.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,911 |
| Noncurrent loans to loans | 0.0011% | 3,832 |
| Net loans and leases to total assets | 32.7900% | 4,265 |
| Net loans and leases to deposits | 33.7814% | 4,333 |
| Net loans and leases to core deposits | 34.9263% | 4,349 |
| Total domestic deposits to total assets | 97.0600% | 43 |
| Equity capital to assets | 2.6435% | 4,583 |
| Core capital (leverage) ratio | 11.0905% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2899% | 377 |
| Memoranda: | ||
| Average total assets | $304,744,333 | 2,418 |
| Average earning assets | $288,934,667 | 2,378 |
| Average equity | $6,168,000 | 4,176 |
| Average total loans | $91,641,333 | 3,276 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 3,447 |
| Cost of funding earning assets | 0.8238% | 2,637 |
| Net interest margin | 3.1811% | 3,159 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.9359% | 3,778 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.4365% | 1,315 |
| Return on assets (ROA) | 1.3823% | 1,430 |
| Pretax return on assets | 1.3823% | 1,926 |
| Return on Equity (ROE) | 78.0700% | 30 |
| Retained earnings to average equity (ytd only) | 62.7492% | 31 |
| Net charge-offs to loans | -0.0086% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.0909% | 3,292 |
| Assets per employee ($millions) | 9.9064% | 727 |
| Cash dividends to net income (ytd only)* | 19.6253% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3398% | 263 |
| Loan loss allowance to noncurrent loans | 1,108.2474% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 3,211 |
| Noncurrent loans to loans | 0.2111% | 2,417 |
| Net loans and leases to total assets | 26.6400% | 4,429 |
| Net loans and leases to deposits | 29.4806% | 4,454 |
| Net loans and leases to core deposits | 30.3011% | 4,456 |
| Total domestic deposits to total assets | 90.3700% | 1,017 |
| Equity capital to assets | 1.9755% | 4,637 |
| Core capital (leverage) ratio | 8.9730% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9154% | 446 |
| Memoranda: | ||
| Average total assets | $324,393,500 | 2,342 |
| Average earning assets | $308,824,000 | 2,293 |
| Average equity | $5,743,500 | 4,277 |
| Average total loans | $92,849,500 | 3,293 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1869% | 3,835 |
| Cost of funding earning assets | 0.4308% | 1,859 |
| Net interest margin | 2.7560% | 3,966 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.0555% | 3,427 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9444% | 2,795 |
| Return on assets (ROA) | 0.9457% | 2,729 |
| Pretax return on assets | 0.9457% | 3,231 |
| Return on Equity (ROE) | 31.6700% | 97 |
| Retained earnings to average equity (ytd only) | 15.9387% | 231 |
| Net charge-offs to loans | 0.0440% | 1,245 |
| Credit loss provision to net charge-offs | 150.0000% | 1,297 |
| Earnings coverage of net charge-offs (x) | 73.7250% | 1,131 |
| Efficiency ratio | 68.0741% | 1,954 |
| Assets per employee ($millions) | 9.1755% | 858 |
| Cash dividends to net income (ytd only)* | 49.6716% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2737% | 275 |
| Loan loss allowance to noncurrent loans | 770.0361% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 2,925 |
| Noncurrent loans to loans | 0.2953% | 2,081 |
| Net loans and leases to total assets | 29.3900% | 4,402 |
| Net loans and leases to deposits | 32.5513% | 4,422 |
| Net loans and leases to core deposits | 37.1681% | 4,355 |
| Total domestic deposits to total assets | 90.2800% | 1,242 |
| Equity capital to assets | 1.5492% | 4,663 |
| Core capital (leverage) ratio | 10.3324% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9511% | 481 |
| Memoranda: | ||
| Average total assets | $305,915,400 | 2,423 |
| Average earning assets | $291,760,800 | 2,378 |
| Average equity | $9,135,000 | 3,979 |
| Average total loans | $90,879,200 | 3,276 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1383% | 3,584 |
| Cost of funding earning assets | 0.3652% | 1,564 |
| Net interest margin | 2.7731% | 3,792 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.1064% | 3,193 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9176% | 2,806 |
| Return on assets (ROA) | 0.9194% | 2,764 |
| Pretax return on assets | 0.9194% | 3,260 |
| Return on Equity (ROE) | 27.4100% | 128 |
| Retained earnings to average equity (ytd only) | 22.1858% | 61 |
| Net charge-offs to loans | -0.0163% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.2042% | 1,864 |
| Assets per employee ($millions) | 8.2084% | 1,216 |
| Cash dividends to net income (ytd only)* | 19.0567% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3678% | 262 |
| Loan loss allowance to noncurrent loans | 1,681.3953% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,467 |
| Noncurrent loans to loans | 0.1408% | 2,921 |
| Net loans and leases to total assets | 30.2700% | 4,417 |
| Net loans and leases to deposits | 32.1977% | 4,461 |
| Net loans and leases to core deposits | 36.8007% | 4,377 |
| Total domestic deposits to total assets | 94.0000% | 356 |
| Equity capital to assets | 0.6085% | 4,705 |
| Core capital (leverage) ratio | 10.0444% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3383% | 471 |
| Memoranda: | ||
| Average total assets | $304,402,250 | 2,443 |
| Average earning assets | $290,591,750 | 2,401 |
| Average equity | $10,210,500 | 3,890 |
| Average total loans | $90,146,250 | 3,296 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0717% | 3,373 |
| Cost of funding earning assets | 0.3556% | 1,219 |
| Net interest margin | 2.7161% | 3,670 |
| Noninterest income to average assets | 0.3898% | 2,821 |
| Noninterest expense to average assets | 2.1030% | 3,137 |
| Loan and lease loss provision to assets | 0.0195% | 2,250 |
| Net operating income to assets | 0.8615% | 2,727 |
| Return on assets (ROA) | 0.8641% | 2,692 |
| Pretax return on assets | 0.8641% | 3,163 |
| Return on Equity (ROE) | 20.4077% | 283 |
| Retained earnings to average equity (ytd only) | 17.0269% | 150 |
| Net charge-offs to loans | -0.0178% | 3,820 |
| Credit loss provision to net charge-offs | -375.0000% | 3,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4754% | 1,889 |
| Assets per employee ($millions) | 8.3506% | 1,134 |
| Cash dividends to net income (ytd only)* | 16.5663% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4476% | 277 |
| Loan loss allowance to noncurrent loans | 7,417.2414% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 3,933 |
| Noncurrent loans to loans | 0.0330% | 3,703 |
| Net loans and leases to total assets | 28.5182% | 4,504 |
| Net loans and leases to deposits | 29.2470% | 4,563 |
| Net loans and leases to core deposits | 33.3032% | 4,498 |
| Total domestic deposits to total assets | 97.5082% | 33 |
| Equity capital to assets | 0.5685% | 4,756 |
| Core capital (leverage) ratio | 8.9395% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9588% | 537 |
| Memoranda: | ||
| Average total assets | $307,369,000 | 2,447 |
| Average earning assets | $293,582,000 | 2,415 |
| Average equity | $13,014,667 | 3,679 |
| Average total loans | $89,660,000 | 3,332 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9921% | 3,277 |
| Cost of funding earning assets | 0.3567% | 1,151 |
| Net interest margin | 2.6354% | 3,568 |
| Noninterest income to average assets | 0.3772% | 2,827 |
| Noninterest expense to average assets | 2.0609% | 3,273 |
| Loan and lease loss provision to assets | 0.0193% | 2,008 |
| Net operating income to assets | 0.8174% | 2,604 |
| Return on assets (ROA) | 0.8225% | 2,581 |
| Pretax return on assets | 0.8225% | 3,036 |
| Return on Equity (ROE) | 13.6922% | 890 |
| Retained earnings to average equity (ytd only) | 11.3352% | 717 |
| Net charge-offs to loans | -0.0309% | 4,096 |
| Credit loss provision to net charge-offs | -214.2857% | 2,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1239% | 2,089 |
| Assets per employee ($millions) | 8.9377% | 941 |
| Cash dividends to net income (ytd only)* | 17.2144% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3922% | 326 |
| 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 | 27.0745% | 4,532 |
| Net loans and leases to deposits | 28.8871% | 4,578 |
| Net loans and leases to core deposits | 32.7781% | 4,515 |
| Total domestic deposits to total assets | 93.7251% | 142 |
| Equity capital to assets | 4.4972% | 4,754 |
| Core capital (leverage) ratio | 8.3581% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2660% | 617 |
| Memoranda: | ||
| Average total assets | $310,742,500 | 2,444 |
| Average earning assets | $297,185,000 | 2,404 |
| Average equity | $18,667,500 | 3,263 |
| Average total loans | $90,548,500 | 3,323 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1906% | 3,489 |
| Cost of funding earning assets | 0.3452% | 1,983 |
| Net interest margin | 2.8454% | 3,575 |
| Noninterest income to average assets | 0.4380% | 2,868 |
| Noninterest expense to average assets | 2.2027% | 3,077 |
| Loan and lease loss provision to assets | 0.0215% | 2,642 |
| Net operating income to assets | 0.9246% | 2,959 |
| Return on assets (ROA) | 1.0974% | 2,369 |
| Pretax return on assets | 1.0974% | 2,978 |
| Return on Equity (ROE) | 13.1719% | 1,410 |
| Retained earnings to average equity (ytd only) | 8.8944% | 1,235 |
| Net charge-offs to loans | -0.0198% | 3,972 |
| Credit loss provision to net charge-offs | -333.3333% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9545% | 1,737 |
| Assets per employee ($millions) | 8.5637% | 1,060 |
| Cash dividends to net income (ytd only)* | 32.4747% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3005% | 382 |
| Loan loss allowance to noncurrent loans | 1,938.5321% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,765 |
| Noncurrent loans to loans | 0.1187% | 3,340 |
| Net loans and leases to total assets | 29.9388% | 4,506 |
| Net loans and leases to deposits | 32.4323% | 4,570 |
| Net loans and leases to core deposits | 37.3886% | 4,482 |
| Total domestic deposits to total assets | 92.3117% | 115 |
| Equity capital to assets | 7.6286% | 4,543 |
| Core capital (leverage) ratio | 8.5136% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0782% | 882 |
| Memoranda: | ||
| Average total assets | $279,479,200 | 2,543 |
| Average earning assets | $266,254,400 | 2,515 |
| Average equity | $23,284,400 | 2,958 |
| Average total loans | $91,111,800 | 3,323 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2522% | 3,508 |
| Cost of funding earning assets | 0.3670% | 1,965 |
| Net interest margin | 2.8852% | 3,587 |
| Noninterest income to average assets | 0.4504% | 2,837 |
| Noninterest expense to average assets | 2.2505% | 2,892 |
| Loan and lease loss provision to assets | 0.0219% | 2,558 |
| Net operating income to assets | 0.9241% | 3,169 |
| Return on assets (ROA) | 1.1719% | 2,326 |
| Pretax return on assets | 1.1719% | 3,013 |
| Return on Equity (ROE) | 13.7496% | 1,467 |
| Retained earnings to average equity (ytd only) | 12.7805% | 673 |
| Net charge-offs to loans | -0.0117% | 3,738 |
| Credit loss provision to net charge-offs | -562.5000% | 3,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4058% | 1,561 |
| Assets per employee ($millions) | 7.7607% | 1,408 |
| Cash dividends to net income (ytd only)* | 7.0481% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2238% | 441 |
| Loan loss allowance to noncurrent loans | 8,352.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,187 |
| Noncurrent loans to loans | 0.0266% | 4,003 |
| Net loans and leases to total assets | 31.9712% | 4,539 |
| Net loans and leases to deposits | 34.9662% | 4,603 |
| Net loans and leases to core deposits | 40.4202% | 4,501 |
| Total domestic deposits to total assets | 91.4347% | 250 |
| Equity capital to assets | 8.3613% | 4,301 |
| Core capital (leverage) ratio | 8.5357% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1968% | 926 |
| Memoranda: | ||
| Average total assets | $274,417,000 | 2,594 |
| Average earning assets | $261,188,000 | 2,564 |
| Average equity | $23,389,250 | 2,984 |
| Average total loans | $90,927,750 | 3,365 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2942% | 3,441 |
| Cost of funding earning assets | 0.3876% | 1,990 |
| Net interest margin | 2.9065% | 3,563 |
| Noninterest income to average assets | 0.4257% | 2,974 |
| Noninterest expense to average assets | 2.2563% | 2,896 |
| Loan and lease loss provision to assets | 0.0222% | 2,528 |
| Net operating income to assets | 0.9113% | 3,185 |
| Return on assets (ROA) | 1.0275% | 2,878 |
| Pretax return on assets | 1.0275% | 3,379 |
| Return on Equity (ROE) | 11.9745% | 2,078 |
| Retained earnings to average equity (ytd only) | 10.9651% | 1,132 |
| Net charge-offs to loans | -0.0245% | 4,067 |
| Credit loss provision to net charge-offs | -272.7273% | 3,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7357% | 1,550 |
| Assets per employee ($millions) | 8.0322% | 1,196 |
| Cash dividends to net income (ytd only)* | 8.4294% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2830% | 378 |
| Loan loss allowance to noncurrent loans | 1,744.5378% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,709 |
| Noncurrent loans to loans | 0.1309% | 3,533 |
| Net loans and leases to total assets | 30.7298% | 4,629 |
| Net loans and leases to deposits | 33.5077% | 4,693 |
| Net loans and leases to core deposits | 39.0856% | 4,598 |
| Total domestic deposits to total assets | 91.7098% | 188 |
| Equity capital to assets | 8.1291% | 4,467 |
| Core capital (leverage) ratio | 8.1998% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2616% | 921 |
| Memoranda: | ||
| Average total assets | $270,174,000 | 2,611 |
| Average earning assets | $256,940,000 | 2,581 |
| Average equity | $23,182,667 | 2,996 |
| Average total loans | $89,939,667 | 3,397 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4261% | 3,125 |
| Cost of funding earning assets | 0.4170% | 1,956 |
| Net interest margin | 3.0092% | 3,236 |
| Noninterest income to average assets | 0.4481% | 2,835 |
| Noninterest expense to average assets | 2.2878% | 2,830 |
| Loan and lease loss provision to assets | 0.0230% | 2,482 |
| Net operating income to assets | 0.9943% | 2,826 |
| Return on assets (ROA) | 0.9943% | 2,921 |
| Pretax return on assets | 0.9943% | 3,383 |
| Return on Equity (ROE) | 11.2593% | 2,287 |
| Retained earnings to average equity (ytd only) | 10.1299% | 1,616 |
| Net charge-offs to loans | 0.0045% | 1,754 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 663.0000% | 149 |
| Efficiency ratio | 69.2201% | 1,788 |
| Assets per employee ($millions) | 7.7003% | 1,339 |
| Cash dividends to net income (ytd only)* | 10.0309% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3519% | 329 |
| Loan loss allowance to noncurrent loans | 980.3828% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 3,640 |
| Noncurrent loans to loans | 0.2399% | 3,240 |
| Net loans and leases to total assets | 29.8589% | 4,697 |
| Net loans and leases to deposits | 32.3731% | 4,761 |
| Net loans and leases to core deposits | 36.5543% | 4,707 |
| Total domestic deposits to total assets | 92.2337% | 101 |
| Equity capital to assets | 7.6354% | 4,661 |
| Core capital (leverage) ratio | 8.0456% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4753% | 856 |
| Memoranda: | ||
| Average total assets | $260,681,500 | 2,667 |
| Average earning assets | $247,508,500 | 2,628 |
| Average equity | $23,021,000 | 2,992 |
| Average total loans | $89,442,500 | 3,419 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 3,030 |
| Cost of funding earning assets | 0.4669% | 3,176 |
| Net interest margin | 3.4322% | 2,667 |
| Noninterest income to average assets | 0.5133% | 2,576 |
| Noninterest expense to average assets | 2.6708% | 2,325 |
| Loan and lease loss provision to assets | 0.0275% | 4,059 |
| Net operating income to assets | 1.0491% | 2,107 |
| Return on assets (ROA) | 1.5193% | 837 |
| Pretax return on assets | 1.5193% | 1,272 |
| Return on Equity (ROE) | 15.0476% | 639 |
| Retained earnings to average equity (ytd only) | 10.5724% | 485 |
| Net charge-offs to loans | -0.0595% | 4,704 |
| Credit loss provision to net charge-offs | -111.1111% | 3,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2694% | 1,777 |
| Assets per employee ($millions) | 6.7558% | 1,738 |
| Cash dividends to net income (ytd only)* | 29.7403% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2176% | 392 |
| Loan loss allowance to noncurrent loans | 1,577.5194% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 3,676 |
| Noncurrent loans to loans | 0.1406% | 3,719 |
| Net loans and leases to total assets | 37.9483% | 4,522 |
| Net loans and leases to deposits | 42.3341% | 4,589 |
| Net loans and leases to core deposits | 48.6407% | 4,471 |
| Total domestic deposits to total assets | 89.6402% | 707 |
| Equity capital to assets | 10.2718% | 2,861 |
| Core capital (leverage) ratio | 9.9674% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5133% | 626 |
| Memoranda: | ||
| Average total assets | $217,989,800 | 2,811 |
| Average earning assets | $205,406,200 | 2,785 |
| Average equity | $22,010,200 | 3,006 |
| Average total loans | $90,687,000 | 3,389 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 2,812 |
| Cost of funding earning assets | 0.5162% | 3,130 |
| Net interest margin | 3.5367% | 2,470 |
| Noninterest income to average assets | 0.4736% | 2,723 |
| Noninterest expense to average assets | 2.7007% | 2,249 |
| Loan and lease loss provision to assets | 0.0281% | 3,982 |
| Net operating income to assets | 1.0754% | 2,063 |
| Return on assets (ROA) | 1.7159% | 619 |
| Pretax return on assets | 1.7159% | 939 |
| Return on Equity (ROE) | 17.0761% | 443 |
| Retained earnings to average equity (ytd only) | 16.0687% | 153 |
| Net charge-offs to loans | -0.0855% | 4,795 |
| Credit loss provision to net charge-offs | -77.5862% | 3,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9921% | 1,753 |
| Assets per employee ($millions) | 6.2583% | 2,037 |
| Cash dividends to net income (ytd only)* | 5.8995% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1603% | 376 |
| Loan loss allowance to noncurrent loans | 1,672.7273% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 3,965 |
| Noncurrent loans to loans | 0.1292% | 3,869 |
| Net loans and leases to total assets | 41.8481% | 4,507 |
| Net loans and leases to deposits | 47.1906% | 4,571 |
| Net loans and leases to core deposits | 55.1322% | 4,409 |
| Total domestic deposits to total assets | 88.6789% | 906 |
| Equity capital to assets | 11.0504% | 2,358 |
| Core capital (leverage) ratio | 9.7061% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6868% | 608 |
| Memoranda: | ||
| Average total assets | $213,374,000 | 2,823 |
| Average earning assets | $200,934,750 | 2,798 |
| Average equity | $21,440,750 | 3,057 |
| Average total loans | $90,417,500 | 3,406 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 2,746 |
| Cost of funding earning assets | 0.5665% | 3,146 |
| Net interest margin | 3.6375% | 2,354 |
| Noninterest income to average assets | 0.4776% | 2,669 |
| Noninterest expense to average assets | 2.6914% | 2,407 |
| Loan and lease loss provision to assets | 0.0284% | 3,899 |
| Net operating income to assets | 1.1887% | 1,673 |
| Return on assets (ROA) | 1.4271% | 1,145 |
| Pretax return on assets | 1.4271% | 1,653 |
| Return on Equity (ROE) | 14.7081% | 755 |
| Retained earnings to average equity (ytd only) | 13.6457% | 298 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8604% | 2,111 |
| Assets per employee ($millions) | 6.5243% | 1,761 |
| Cash dividends to net income (ytd only)* | 7.2233% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 413 |
| Loan loss allowance to noncurrent loans | 551.1299% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 3,545 |
| Noncurrent loans to loans | 0.3698% | 3,084 |
| Net loans and leases to total assets | 39.9241% | 4,611 |
| Net loans and leases to deposits | 44.5056% | 4,693 |
| Net loans and leases to core deposits | 51.5370% | 4,582 |
| Total domestic deposits to total assets | 89.7059% | 491 |
| Equity capital to assets | 10.1170% | 3,100 |
| Core capital (leverage) ratio | 9.1329% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7035% | 702 |
| Memoranda: | ||
| Average total assets | $211,484,667 | 2,815 |
| Average earning assets | $199,478,000 | 2,783 |
| Average equity | $20,519,333 | 3,129 |
| Average total loans | $89,327,000 | 3,424 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 3,109 |
| Cost of funding earning assets | 0.6899% | 2,974 |
| Net interest margin | 3.5428% | 2,839 |
| Noninterest income to average assets | 0.5205% | 2,440 |
| Noninterest expense to average assets | 2.8750% | 2,196 |
| Loan and lease loss provision to assets | 0.0300% | 3,401 |
| Net operating income to assets | 0.9570% | 2,326 |
| Return on assets (ROA) | 1.0691% | 2,041 |
| Pretax return on assets | 1.0691% | 2,614 |
| Return on Equity (ROE) | 11.3028% | 1,326 |
| Retained earnings to average equity (ytd only) | 10.0751% | 735 |
| Net charge-offs to loans | -0.0232% | 4,385 |
| Credit loss provision to net charge-offs | -300.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4427% | 1,757 |
| Assets per employee ($millions) | 5.9956% | 1,688 |
| Cash dividends to net income (ytd only)* | 10.8614% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2707% | 342 |
| Loan loss allowance to noncurrent loans | 1,470.4545% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 4,044 |
| Noncurrent loans to loans | 0.1544% | 3,905 |
| Net loans and leases to total assets | 39.8104% | 4,672 |
| Net loans and leases to deposits | 44.3409% | 4,756 |
| Net loans and leases to core deposits | 46.4439% | 4,762 |
| Total domestic deposits to total assets | 89.7826% | 389 |
| Equity capital to assets | 10.0502% | 3,728 |
| Core capital (leverage) ratio | 8.9781% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8981% | 758 |
| Memoranda: | ||
| Average total assets | $199,790,500 | 2,870 |
| Average earning assets | $188,440,500 | 2,845 |
| Average equity | $18,898,000 | 3,288 |
| Average total loans | $86,129,500 | 3,482 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 2,610 |
| Cost of funding earning assets | 0.5693% | 3,778 |
| Net interest margin | 4.0327% | 1,738 |
| Noninterest income to average assets | 0.5975% | 2,231 |
| Noninterest expense to average assets | 3.2239% | 1,466 |
| Loan and lease loss provision to assets | 0.0931% | 2,171 |
| Net operating income to assets | 1.0951% | 2,464 |
| Return on assets (ROA) | 1.1652% | 2,291 |
| Pretax return on assets | 1.1652% | 2,967 |
| Return on Equity (ROE) | 11.9093% | 1,547 |
| Retained earnings to average equity (ytd only) | -0.0190% | 4,703 |
| Net charge-offs to loans | -0.0050% | 4,349 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0699% | 1,723 |
| Assets per employee ($millions) | 5.7495% | 1,832 |
| Cash dividends to net income (ytd only)* | 100.1597% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2137% | 324 |
| Loan loss allowance to noncurrent loans | 11,300.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 4,287 |
| Noncurrent loans to loans | 0.0196% | 4,491 |
| Net loans and leases to total assets | 44.7237% | 4,566 |
| Net loans and leases to deposits | 49.1017% | 4,709 |
| Net loans and leases to core deposits | 57.9151% | 4,528 |
| Total domestic deposits to total assets | 91.0838% | 110 |
| Equity capital to assets | 8.8050% | 4,783 |
| Core capital (leverage) ratio | 9.1228% | 4,431 |
| Tier 1 risk-based capital ratio | 17.3733% | 1,932 |
| Total risk-based capital ratio | 18.6323% | 1,883 |
| Memoranda: | ||
| Average total assets | $161,173,600 | 3,195 |
| Average earning assets | $152,455,200 | 3,158 |
| Average equity | $15,769,200 | 3,567 |
| Average total loans | $79,680,000 | 3,608 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 2,562 |
| Cost of funding earning assets | 0.5573% | 3,888 |
| Net interest margin | 4.0939% | 1,628 |
| Noninterest income to average assets | 0.6224% | 2,097 |
| Noninterest expense to average assets | 3.2780% | 1,314 |
| Loan and lease loss provision to assets | 0.1169% | 1,671 |
| Net operating income to assets | 1.0932% | 2,599 |
| Return on assets (ROA) | 1.0932% | 2,690 |
| Pretax return on assets | 1.0932% | 3,312 |
| Return on Equity (ROE) | 10.8398% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.2733% | 688 |
| Net charge-offs to loans | -0.0513% | 4,844 |
| Credit loss provision to net charge-offs | -450.0000% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0376% | 1,695 |
| Assets per employee ($millions) | 5.4304% | 2,095 |
| Cash dividends to net income (ytd only)* | 5.2258% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3191% | 277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,399 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 45.4103% | 4,637 |
| Net loans and leases to deposits | 50.6369% | 4,758 |
| Net loans and leases to core deposits | 61.8122% | 4,463 |
| Total domestic deposits to total assets | 89.6782% | 382 |
| Equity capital to assets | 10.0561% | 3,961 |
| Core capital (leverage) ratio | 9.6930% | 3,979 |
| Tier 1 risk-based capital ratio | 19.1855% | 1,527 |
| Total risk-based capital ratio | 20.4454% | 1,490 |
| Memoranda: | ||
| Average total assets | $154,033,500 | 3,282 |
| Average earning assets | $145,450,000 | 3,250 |
| Average equity | $15,535,000 | 3,625 |
| Average total loans | $77,905,750 | 3,680 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 2,876 |
| Cost of funding earning assets | 0.4770% | 4,222 |
| Net interest margin | 4.0668% | 1,707 |
| Noninterest income to average assets | 0.6468% | 1,936 |
| Noninterest expense to average assets | 3.4001% | 1,103 |
| Loan and lease loss provision to assets | 0.1236% | 1,506 |
| Net operating income to assets | 0.9516% | 3,087 |
| Return on assets (ROA) | 0.9516% | 3,158 |
| Pretax return on assets | 0.9516% | 3,707 |
| Return on Equity (ROE) | 9.4245% | 2,670 |
| Retained earnings to average equity (ytd only) | 9.4245% | 927 |
| Net charge-offs to loans | -0.0447% | 4,803 |
| Credit loss provision to net charge-offs | -529.4118% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9742% | 1,399 |
| Assets per employee ($millions) | 5.9459% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3938% | 259 |
| Loan loss allowance to noncurrent loans | 1,018.4783% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 3,982 |
| Noncurrent loans to loans | 0.2350% | 3,701 |
| Net loans and leases to total assets | 40.1592% | 4,838 |
| Net loans and leases to deposits | 44.3245% | 4,946 |
| Net loans and leases to core deposits | 54.1223% | 4,778 |
| Total domestic deposits to total assets | 90.6028% | 174 |
| Equity capital to assets | 9.2085% | 4,647 |
| Core capital (leverage) ratio | 12.6129% | 1,480 |
| Tier 1 risk-based capital ratio | 19.5038% | 1,436 |
| Total risk-based capital ratio | 20.7645% | 1,407 |
| Memoranda: | ||
| Average total assets | $145,643,330 | 3,408 |
| Average earning assets | $137,111,000 | 3,375 |
| Average equity | $14,706,330 | 3,705 |
| Average total loans | $76,104,670 | 3,728 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 854 |
| Cost of funding earning assets | 0.4841% | 4,133 |
| Net interest margin | 4.7466% | 447 |
| Noninterest income to average assets | 0.7200% | 1,543 |
| Noninterest expense to average assets | 4.0412% | 510 |
| Loan and lease loss provision to assets | 0.1459% | 1,162 |
| Net operating income to assets | 0.9535% | 3,034 |
| Return on assets (ROA) | 0.9535% | 3,076 |
| Pretax return on assets | 0.9535% | 3,605 |
| Return on Equity (ROE) | 8.8428% | 2,875 |
| Retained earnings to average equity (ytd only) | 8.8428% | 1,373 |
| Net charge-offs to loans | 0.1280% | 980 |
| Credit loss provision to net charge-offs | 187.5000% | 1,088 |
| Earnings coverage of net charge-offs (x) | 14.1250% | 1,807 |
| Efficiency ratio | 78.6120% | 1,205 |
| Assets per employee ($millions) | 3.9238% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3831% | 274 |
| Loan loss allowance to noncurrent loans | 351.9685% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 2,966 |
| Noncurrent loans to loans | 0.6771% | 2,325 |
| Net loans and leases to total assets | 58.3315% | 3,849 |
| Net loans and leases to deposits | 65.5964% | 4,085 |
| Net loans and leases to core deposits | 71.6882% | 3,971 |
| Total domestic deposits to total assets | 88.9248% | 891 |
| Equity capital to assets | 10.8474% | 3,000 |
| Core capital (leverage) ratio | 11.4298% | 2,189 |
| Tier 1 risk-based capital ratio | 16.9911% | 2,106 |
| Total risk-based capital ratio | 18.2528% | 2,057 |
| Memoranda: | ||
| Average total assets | $123,330,000 | 3,742 |
| Average earning assets | $114,860,500 | 3,732 |
| Average equity | $13,299,000 | 3,905 |
| Average total loans | $75,014,500 | 3,781 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1143% | 819 |
| Cost of funding earning assets | 0.3628% | 4,203 |
| Net interest margin | 4.7515% | 441 |
| Noninterest income to average assets | 0.7294% | 1,736 |
| Noninterest expense to average assets | 3.9117% | 593 |
| Loan and lease loss provision to assets | 0.1490% | 1,425 |
| Net operating income to assets | 1.1036% | 2,582 |
| Return on assets (ROA) | 1.1036% | 2,578 |
| Pretax return on assets | 1.1036% | 3,253 |
| Return on Equity (ROE) | 10.4362% | 2,329 |
| Retained earnings to average equity (ytd only) | 5.2925% | 2,604 |
| Net charge-offs to loans | 0.1117% | 1,634 |
| Credit loss provision to net charge-offs | 219.5122% | 1,326 |
| Earnings coverage of net charge-offs (x) | 18.4512% | 2,131 |
| Efficiency ratio | 75.7454% | 1,399 |
| Assets per employee ($millions) | 3.7844% | 4,202 |
| Cash dividends to net income (ytd only)* | 49.2873% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3560% | 265 |
| Loan loss allowance to noncurrent loans | 564.5367% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 3,552 |
| Noncurrent loans to loans | 0.4173% | 3,041 |
| Net loans and leases to total assets | 60.4732% | 3,716 |
| Net loans and leases to deposits | 67.8391% | 3,991 |
| Net loans and leases to core deposits | 72.2447% | 3,975 |
| Total domestic deposits to total assets | 89.1420% | 801 |
| Equity capital to assets | 10.7168% | 2,961 |
| Core capital (leverage) ratio | 11.4556% | 2,138 |
| Tier 1 risk-based capital ratio | 16.8548% | 2,117 |
| Total risk-based capital ratio | 18.1160% | 2,061 |
| Memoranda: | ||
| Average total assets | $120,791,400 | 3,775 |
| Average earning assets | $112,743,600 | 3,763 |
| Average equity | $12,772,800 | 3,919 |
| Average total loans | $73,435,600 | 3,800 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0293% | 883 |
| Cost of funding earning assets | 0.3418% | 4,238 |
| Net interest margin | 4.6875% | 484 |
| Noninterest income to average assets | 0.7378% | 1,724 |
| Noninterest expense to average assets | 3.8879% | 604 |
| Loan and lease loss provision to assets | 0.1491% | 1,326 |
| Net operating income to assets | 1.0780% | 2,756 |
| Return on assets (ROA) | 1.0780% | 2,765 |
| Pretax return on assets | 1.0780% | 3,474 |
| Return on Equity (ROE) | 10.2291% | 2,513 |
| Retained earnings to average equity (ytd only) | 10.2291% | 845 |
| Net charge-offs to loans | 0.1223% | 1,287 |
| Credit loss provision to net charge-offs | 201.4925% | 1,371 |
| Earnings coverage of net charge-offs (x) | 16.5823% | 2,158 |
| Efficiency ratio | 76.0095% | 1,350 |
| Assets per employee ($millions) | 3.6974% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3189% | 298 |
| Loan loss allowance to noncurrent loans | 975.8427% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 4,222 |
| Noncurrent loans to loans | 0.2376% | 3,846 |
| Net loans and leases to total assets | 59.9672% | 3,847 |
| Net loans and leases to deposits | 67.3692% | 4,101 |
| Net loans and leases to core deposits | 72.4776% | 4,048 |
| Total domestic deposits to total assets | 89.0128% | 843 |
| Equity capital to assets | 10.6315% | 3,013 |
| Core capital (leverage) ratio | 11.5054% | 2,162 |
| Tier 1 risk-based capital ratio | 17.2025% | 2,020 |
| Total risk-based capital ratio | 18.4632% | 1,968 |
| Memoranda: | ||
| Average total assets | $120,714,250 | 3,817 |
| Average earning assets | $112,722,750 | 3,804 |
| Average equity | $12,721,500 | 3,953 |
| Average total loans | $73,044,500 | 3,848 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 1,000 |
| Cost of funding earning assets | 0.3271% | 4,225 |
| Net interest margin | 4.5824% | 574 |
| Noninterest income to average assets | 0.7715% | 1,564 |
| Noninterest expense to average assets | 3.8759% | 623 |
| Loan and lease loss provision to assets | 0.1496% | 1,264 |
| Net operating income to assets | 1.0326% | 2,884 |
| Return on assets (ROA) | 1.0326% | 2,883 |
| Pretax return on assets | 1.0326% | 3,560 |
| Return on Equity (ROE) | 9.8275% | 2,646 |
| Retained earnings to average equity (ytd only) | 9.8275% | 976 |
| Net charge-offs to loans | 0.1905% | 820 |
| Credit loss provision to net charge-offs | 130.4348% | 1,718 |
| Earnings coverage of net charge-offs (x) | 10.3043% | 2,336 |
| Efficiency ratio | 76.6272% | 1,357 |
| Assets per employee ($millions) | 4.0331% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3260% | 301 |
| Loan loss allowance to noncurrent loans | 1,069.6203% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 4,347 |
| Noncurrent loans to loans | 0.2175% | 3,939 |
| Net loans and leases to total assets | 58.6551% | 3,933 |
| Net loans and leases to deposits | 65.8025% | 4,175 |
| Net loans and leases to core deposits | 71.6696% | 4,031 |
| Total domestic deposits to total assets | 89.1381% | 876 |
| Equity capital to assets | 10.5685% | 3,054 |
| Core capital (leverage) ratio | 11.2977% | 2,255 |
| Tier 1 risk-based capital ratio | 17.3384% | 1,988 |
| Total risk-based capital ratio | 18.6002% | 1,939 |
| Memoranda: | ||
| Average total assets | $120,280,670 | 3,857 |
| Average earning assets | $112,518,670 | 3,837 |
| Average equity | $12,638,000 | 3,988 |
| Average total loans | $72,424,000 | 3,888 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 992 |
| Cost of funding earning assets | 0.3092% | 4,275 |
| Net interest margin | 4.5345% | 576 |
| Noninterest income to average assets | 0.6437% | 2,063 |
| Noninterest expense to average assets | 3.9325% | 566 |
| Loan and lease loss provision to assets | 0.1501% | 1,211 |
| Net operating income to assets | 0.8172% | 3,636 |
| Return on assets (ROA) | 0.8172% | 3,647 |
| Pretax return on assets | 0.8172% | 4,107 |
| Return on Equity (ROE) | 7.8004% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.8004% | 1,919 |
| Net charge-offs to loans | 0.3319% | 461 |
| Credit loss provision to net charge-offs | 75.0000% | 1,788 |
| Earnings coverage of net charge-offs (x) | 4.8333% | 2,271 |
| Efficiency ratio | 80.2587% | 1,106 |
| Assets per employee ($millions) | 3.8187% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3349% | 311 |
| Loan loss allowance to noncurrent loans | 656.3492% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 4,058 |
| Noncurrent loans to loans | 0.3557% | 3,495 |
| Net loans and leases to total assets | 56.6155% | 4,067 |
| Net loans and leases to deposits | 63.2085% | 4,262 |
| Net loans and leases to core deposits | 68.7847% | 4,172 |
| Total domestic deposits to total assets | 89.5694% | 848 |
| Equity capital to assets | 10.1998% | 3,394 |
| Core capital (leverage) ratio | 11.0465% | 2,390 |
| Tier 1 risk-based capital ratio | 17.2244% | 2,051 |
| Total risk-based capital ratio | 18.4862% | 2,001 |
| Memoranda: | ||
| Average total assets | $119,925,000 | 3,900 |
| Average earning assets | $112,560,500 | 3,877 |
| Average equity | $12,563,500 | 4,038 |
| Average total loans | $72,307,000 | 3,925 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1583% | 478 |
| Cost of funding earning assets | 0.3432% | 3,771 |
| Net interest margin | 4.8151% | 345 |
| Noninterest income to average assets | 0.7370% | 1,815 |
| Noninterest expense to average assets | 3.6955% | 798 |
| Loan and lease loss provision to assets | 0.1600% | 1,399 |
| Net operating income to assets | 1.4339% | 937 |
| Return on assets (ROA) | 1.4393% | 945 |
| Pretax return on assets | 1.4393% | 1,856 |
| Return on Equity (ROE) | 12.7956% | 997 |
| Retained earnings to average equity (ytd only) | 3.7620% | 2,969 |
| Net charge-offs to loans | 0.1604% | 1,521 |
| Credit loss provision to net charge-offs | 156.5217% | 1,708 |
| Earnings coverage of net charge-offs (x) | 15.5913% | 2,236 |
| Efficiency ratio | 69.8655% | 2,576 |
| Assets per employee ($millions) | 3.7952% | 4,293 |
| Cash dividends to net income (ytd only)* | 70.5991% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2622% | 331 |
| Loan loss allowance to noncurrent loans | 8,345.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 5,074 |
| Noncurrent loans to loans | 0.0271% | 4,892 |
| Net loans and leases to total assets | 61.2892% | 3,703 |
| Net loans and leases to deposits | 68.7863% | 3,962 |
| Net loans and leases to core deposits | 72.6851% | 3,994 |
| Total domestic deposits to total assets | 89.1009% | 962 |
| Equity capital to assets | 10.7631% | 2,883 |
| Core capital (leverage) ratio | 11.0169% | 2,318 |
| Tier 1 risk-based capital ratio | 16.8784% | 2,134 |
| Total risk-based capital ratio | 18.1395% | 2,068 |
| Memoranda: | ||
| Average total assets | $112,487,400 | 4,019 |
| Average earning assets | $106,353,800 | 3,978 |
| Average equity | $12,652,800 | 4,035 |
| Average total loans | $71,683,800 | 3,922 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1434% | 466 |
| Cost of funding earning assets | 0.3508% | 3,658 |
| Net interest margin | 4.7926% | 341 |
| Noninterest income to average assets | 0.7506% | 1,781 |
| Noninterest expense to average assets | 3.7015% | 764 |
| Loan and lease loss provision to assets | 0.1619% | 1,265 |
| Net operating income to assets | 1.4245% | 1,036 |
| Return on assets (ROA) | 1.4317% | 1,039 |
| Pretax return on assets | 1.4317% | 2,006 |
| Return on Equity (ROE) | 12.5844% | 1,152 |
| Retained earnings to average equity (ytd only) | 7.6413% | 1,376 |
| Net charge-offs to loans | 0.1012% | 1,768 |
| Credit loss provision to net charge-offs | 250.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 24.4994% | 1,767 |
| Efficiency ratio | 70.0000% | 2,537 |
| Assets per employee ($millions) | 3.8435% | 4,243 |
| Cash dividends to net income (ytd only)* | 39.2799% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2633% | 368 |
| Loan loss allowance to noncurrent loans | 4,109.7561% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 5,055 |
| Noncurrent loans to loans | 0.0551% | 4,864 |
| Net loans and leases to total assets | 63.1060% | 3,539 |
| Net loans and leases to deposits | 72.2578% | 3,745 |
| Net loans and leases to core deposits | 77.4228% | 3,688 |
| Total domestic deposits to total assets | 87.3346% | 1,708 |
| Equity capital to assets | 11.4053% | 2,460 |
| Core capital (leverage) ratio | 11.9467% | 1,724 |
| Tier 1 risk-based capital ratio | 17.2018% | 2,096 |
| Total risk-based capital ratio | 18.4641% | 2,041 |
| Memoranda: | ||
| Average total assets | $111,196,250 | 4,084 |
| Average earning assets | $105,271,250 | 4,043 |
| Average equity | $12,650,250 | 4,077 |
| Average total loans | $71,160,500 | 3,964 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 409 |
| Cost of funding earning assets | 0.3573% | 3,505 |
| Net interest margin | 4.8270% | 308 |
| Noninterest income to average assets | 0.7685% | 1,694 |
| Noninterest expense to average assets | 3.7150% | 761 |
| Loan and lease loss provision to assets | 0.1639% | 1,218 |
| Net operating income to assets | 1.4660% | 923 |
| Return on assets (ROA) | 1.4660% | 944 |
| Pretax return on assets | 1.4660% | 1,775 |
| Return on Equity (ROE) | 12.8972% | 1,064 |
| Retained earnings to average equity (ytd only) | 7.9466% | 1,187 |
| Net charge-offs to loans | 0.0428% | 2,338 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 59.6667% | 954 |
| Efficiency ratio | 69.5060% | 2,765 |
| Assets per employee ($millions) | 4.1182% | 3,752 |
| Cash dividends to net income (ytd only)* | 38.3851% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3863% | 328 |
| Loan loss allowance to noncurrent loans | 2,238.6667% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 4,163 |
| Noncurrent loans to loans | 0.1066% | 4,700 |
| Net loans and leases to total assets | 61.7685% | 3,655 |
| Net loans and leases to deposits | 70.1578% | 3,903 |
| Net loans and leases to core deposits | 76.5350% | 3,726 |
| Total domestic deposits to total assets | 88.0422% | 1,435 |
| Equity capital to assets | 11.6457% | 2,193 |
| Core capital (leverage) ratio | 11.6788% | 1,844 |
| Tier 1 risk-based capital ratio | 17.7429% | 1,938 |
| Total risk-based capital ratio | 19.0064% | 1,890 |
| Memoranda: | ||
| Average total assets | $109,826,330 | 4,132 |
| Average earning assets | $104,123,330 | 4,091 |
| Average equity | $12,483,330 | 4,112 |
| Average total loans | $70,064,000 | 4,013 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2498% | 350 |
| Cost of funding earning assets | 0.3667% | 3,352 |
| Net interest margin | 4.8831% | 268 |
| Noninterest income to average assets | 0.7660% | 1,682 |
| Noninterest expense to average assets | 3.6942% | 786 |
| Loan and lease loss provision to assets | 0.1649% | 1,090 |
| Net operating income to assets | 1.5429% | 757 |
| Return on assets (ROA) | 1.5429% | 777 |
| Pretax return on assets | 1.5429% | 1,405 |
| Return on Equity (ROE) | 13.7464% | 849 |
| Retained earnings to average equity (ytd only) | 8.6201% | 1,228 |
| Net charge-offs to loans | 0.0801% | 1,533 |
| Credit loss provision to net charge-offs | 321.4286% | 755 |
| Earnings coverage of net charge-offs (x) | 33.2857% | 1,150 |
| Efficiency ratio | 68.3853% | 3,139 |
| Assets per employee ($millions) | 4.0982% | 3,844 |
| Cash dividends to net income (ytd only)* | 37.2922% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3876% | 361 |
| Loan loss allowance to noncurrent loans | 1,651.5152% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 4,145 |
| Noncurrent loans to loans | 0.1446% | 4,608 |
| Net loans and leases to total assets | 60.4092% | 3,742 |
| Net loans and leases to deposits | 68.2458% | 3,972 |
| Net loans and leases to core deposits | 73.6557% | 3,865 |
| Total domestic deposits to total assets | 88.5172% | 1,416 |
| Equity capital to assets | 11.2488% | 2,385 |
| Core capital (leverage) ratio | 11.6273% | 1,863 |
| Tier 1 risk-based capital ratio | 17.8617% | 1,922 |
| Total risk-based capital ratio | 19.1245% | 1,872 |
| Memoranda: | ||
| Average total assets | $109,144,000 | 4,187 |
| Average earning assets | $103,622,500 | 4,140 |
| Average equity | $12,250,500 | 4,174 |
| Average total loans | $69,916,000 | 4,051 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 675 |
| Cost of funding earning assets | 0.3522% | 3,495 |
| Net interest margin | 4.5852% | 523 |
| Noninterest income to average assets | 0.8003% | 1,743 |
| Noninterest expense to average assets | 3.5245% | 1,124 |
| Loan and lease loss provision to assets | 0.1599% | 1,544 |
| Net operating income to assets | 1.4754% | 876 |
| Return on assets (ROA) | 1.5864% | 728 |
| Pretax return on assets | 1.5864% | 1,328 |
| Return on Equity (ROE) | 14.2445% | 737 |
| Retained earnings to average equity (ytd only) | 5.1124% | 2,276 |
| Net charge-offs to loans | 0.0475% | 3,090 |
| Credit loss provision to net charge-offs | 562.5000% | 600 |
| Earnings coverage of net charge-offs (x) | 57.5313% | 922 |
| Efficiency ratio | 68.3078% | 3,182 |
| Assets per employee ($millions) | 3.8441% | 4,232 |
| Cash dividends to net income (ytd only)* | 64.1097% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2480% | 437 |
| Loan loss allowance to noncurrent loans | 2,227.7778% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 4,313 |
| Noncurrent loans to loans | 0.1009% | 4,834 |
| Net loans and leases to total assets | 64.8008% | 3,244 |
| Net loans and leases to deposits | 73.1030% | 3,605 |
| Net loans and leases to core deposits | 78.1931% | 3,559 |
| Total domestic deposits to total assets | 88.6432% | 1,301 |
| Equity capital to assets | 11.1989% | 2,422 |
| Core capital (leverage) ratio | 11.1415% | 2,216 |
| Tier 1 risk-based capital ratio | 17.2397% | 2,073 |
| Total risk-based capital ratio | 18.5023% | 2,032 |
| Memoranda: | ||
| Average total assets | $112,582,800 | 4,117 |
| Average earning assets | $107,040,600 | 4,057 |
| Average equity | $12,538,200 | 4,164 |
| Average total loans | $67,353,400 | 4,103 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 854 |
| Cost of funding earning assets | 0.3474% | 3,563 |
| Net interest margin | 4.4760% | 665 |
| Noninterest income to average assets | 0.7743% | 1,869 |
| Noninterest expense to average assets | 3.4615% | 1,219 |
| Loan and lease loss provision to assets | 0.1581% | 1,467 |
| Net operating income to assets | 1.4104% | 1,053 |
| Return on assets (ROA) | 1.5064% | 918 |
| Pretax return on assets | 1.5064% | 1,687 |
| Return on Equity (ROE) | 13.5444% | 910 |
| Retained earnings to average equity (ytd only) | 8.4890% | 984 |
| Net charge-offs to loans | 0.0543% | 2,586 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 49.5914% | 1,080 |
| Efficiency ratio | 68.8170% | 3,078 |
| Assets per employee ($millions) | 4.1809% | 3,630 |
| Cash dividends to net income (ytd only)* | 37.3249% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 490 |
| Loan loss allowance to noncurrent loans | 5,792.5926% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 4,640 |
| Noncurrent loans to loans | 0.0384% | 5,215 |
| Net loans and leases to total assets | 60.8735% | 3,757 |
| Net loans and leases to deposits | 72.4305% | 3,759 |
| Net loans and leases to core deposits | 78.0370% | 3,661 |
| Total domestic deposits to total assets | 84.0439% | 3,203 |
| Equity capital to assets | 11.5507% | 2,471 |
| Core capital (leverage) ratio | 11.1370% | 2,324 |
| Tier 1 risk-based capital ratio | 17.4937% | 2,082 |
| Total risk-based capital ratio | 18.7555% | 2,040 |
| Memoranda: | ||
| Average total assets | $113,819,500 | 4,125 |
| Average earning assets | $108,218,500 | 4,064 |
| Average equity | $12,659,250 | 4,184 |
| Average total loans | $66,353,500 | 4,158 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 1,034 |
| Cost of funding earning assets | 0.3391% | 3,705 |
| Net interest margin | 4.3691% | 817 |
| Noninterest income to average assets | 0.7553% | 1,905 |
| Noninterest expense to average assets | 3.3996% | 1,375 |
| Loan and lease loss provision to assets | 0.1577% | 1,443 |
| Net operating income to assets | 1.3528% | 1,158 |
| Return on assets (ROA) | 1.3949% | 1,129 |
| Pretax return on assets | 1.3949% | 2,051 |
| Return on Equity (ROE) | 12.7028% | 1,103 |
| Retained earnings to average equity (ytd only) | 7.5802% | 1,346 |
| Net charge-offs to loans | 0.0461% | 2,554 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 57.4667% | 910 |
| Efficiency ratio | 69.2363% | 3,110 |
| Assets per employee ($millions) | 4.4557% | 3,112 |
| Cash dividends to net income (ytd only)* | 40.3266% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2761% | 493 |
| Loan loss allowance to noncurrent loans | 3,925.6410% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 4,677 |
| Noncurrent loans to loans | 0.0580% | 5,220 |
| Net loans and leases to total assets | 56.7416% | 4,228 |
| Net loans and leases to deposits | 67.6728% | 4,210 |
| Net loans and leases to core deposits | 73.0321% | 4,076 |
| Total domestic deposits to total assets | 83.8469% | 3,333 |
| Equity capital to assets | 11.0861% | 2,965 |
| Core capital (leverage) ratio | 10.8141% | 2,631 |
| Tier 1 risk-based capital ratio | 17.3802% | 2,105 |
| Total risk-based capital ratio | 18.6421% | 2,066 |
| Memoranda: | ||
| Average total assets | $114,131,000 | 4,154 |
| Average earning assets | $108,534,000 | 4,090 |
| Average equity | $12,532,670 | 4,227 |
| Average total loans | $65,044,330 | 4,216 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6377% | 1,166 |
| Cost of funding earning assets | 0.3302% | 3,844 |
| Net interest margin | 4.3075% | 919 |
| Noninterest income to average assets | 0.7592% | 1,777 |
| Noninterest expense to average assets | 3.4077% | 1,367 |
| Loan and lease loss provision to assets | 0.1589% | 1,313 |
| Net operating income to assets | 1.2925% | 1,276 |
| Return on assets (ROA) | 1.3384% | 1,238 |
| Pretax return on assets | 1.3384% | 2,140 |
| Return on Equity (ROE) | 12.2480% | 1,233 |
| Retained earnings to average equity (ytd only) | 10.8584% | 676 |
| Net charge-offs to loans | 0.0813% | 1,684 |
| Credit loss provision to net charge-offs | 346.1538% | 775 |
| Earnings coverage of net charge-offs (x) | 31.6154% | 1,153 |
| Efficiency ratio | 70.1308% | 3,097 |
| Assets per employee ($millions) | 4.2159% | 3,558 |
| Cash dividends to net income (ytd only)* | 11.3456% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3806% | 456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 4,878 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 53.6046% | 4,484 |
| Net loans and leases to deposits | 60.4590% | 4,686 |
| Net loans and leases to core deposits | 65.3553% | 4,588 |
| Total domestic deposits to total assets | 88.6627% | 1,266 |
| Equity capital to assets | 11.0799% | 2,850 |
| Core capital (leverage) ratio | 10.7138% | 2,711 |
| Tier 1 risk-based capital ratio | 18.3522% | 1,897 |
| Total risk-based capital ratio | 19.6152% | 1,851 |
| Memoranda: | ||
| Average total assets | $113,272,500 | 4,194 |
| Average earning assets | $107,813,000 | 4,130 |
| Average equity | $12,377,500 | 4,269 |
| Average total loans | $63,934,000 | 4,265 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 758 |
| Cost of funding earning assets | 0.3468% | 3,732 |
| Net interest margin | 4.5582% | 596 |
| Noninterest income to average assets | 0.8290% | 1,678 |
| Noninterest expense to average assets | 3.5138% | 1,268 |
| Loan and lease loss provision to assets | 0.1664% | 1,382 |
| Net operating income to assets | 1.4732% | 910 |
| Return on assets (ROA) | 1.4732% | 941 |
| Pretax return on assets | 1.4732% | 1,641 |
| Return on Equity (ROE) | 14.6929% | 736 |
| Retained earnings to average equity (ytd only) | 5.9730% | 1,807 |
| Net charge-offs to loans | 0.0473% | 3,264 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 59.1333% | 877 |
| Efficiency ratio | 68.1851% | 3,533 |
| Assets per employee ($millions) | 3.8868% | 4,143 |
| Cash dividends to net income (ytd only)* | 59.3476% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 572 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 4,708 |
| Noncurrent loans to loans | 0.0796% | 5,183 |
| Net loans and leases to total assets | 56.6969% | 4,233 |
| Net loans and leases to deposits | 63.6416% | 4,494 |
| Net loans and leases to core deposits | 67.4744% | 4,484 |
| Total domestic deposits to total assets | 89.0877% | 1,075 |
| Equity capital to assets | 10.7730% | 3,051 |
| Core capital (leverage) ratio | 10.5736% | 2,854 |
| Tier 1 risk-based capital ratio | 17.7642% | 2,033 |
| Total risk-based capital ratio | 19.0260% | 1,977 |
| Memoranda: | ||
| Average total assets | $108,202,600 | 4,290 |
| Average earning assets | $102,651,000 | 4,218 |
| Average equity | $10,848,800 | 4,507 |
| Average total loans | $63,379,400 | 4,280 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 783 |
| Cost of funding earning assets | 0.3509% | 3,745 |
| Net interest margin | 4.5378% | 605 |
| Noninterest income to average assets | 0.8343% | 1,676 |
| Noninterest expense to average assets | 3.5202% | 1,251 |
| Loan and lease loss provision to assets | 0.1681% | 1,252 |
| Net operating income to assets | 1.4457% | 1,015 |
| Return on assets (ROA) | 1.4457% | 1,062 |
| Pretax return on assets | 1.4457% | 1,844 |
| Return on Equity (ROE) | 14.7071% | 769 |
| Retained earnings to average equity (ytd only) | 14.0358% | 208 |
| Net charge-offs to loans | 0.1399% | 1,726 |
| Credit loss provision to net charge-offs | 204.5455% | 1,314 |
| Earnings coverage of net charge-offs (x) | 19.6359% | 1,923 |
| Efficiency ratio | 68.5666% | 3,437 |
| Assets per employee ($millions) | 3.9440% | 3,986 |
| Cash dividends to net income (ytd only)* | 4.5647% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1218% | 742 |
| Loan loss allowance to noncurrent loans | 1,026.1194% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 4,610 |
| Noncurrent loans to loans | 0.2068% | 4,820 |
| Net loans and leases to total assets | 55.4570% | 4,414 |
| Net loans and leases to deposits | 62.5866% | 4,673 |
| Net loans and leases to core deposits | 66.4442% | 4,658 |
| Total domestic deposits to total assets | 88.6085% | 1,231 |
| Equity capital to assets | 11.0251% | 2,995 |
| Core capital (leverage) ratio | 11.2568% | 2,239 |
| Tier 1 risk-based capital ratio | 18.6359% | 1,865 |
| Total risk-based capital ratio | 19.8965% | 1,827 |
| Memoranda: | ||
| Average total assets | $107,074,000 | 4,363 |
| Average earning assets | $101,456,500 | 4,293 |
| Average equity | $10,525,250 | 4,617 |
| Average total loans | $62,883,500 | 4,339 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9439% | 661 |
| Cost of funding earning assets | 0.3592% | 3,715 |
| Net interest margin | 4.5847% | 544 |
| Noninterest income to average assets | 0.8372% | 1,644 |
| Noninterest expense to average assets | 3.5665% | 1,184 |
| Loan and lease loss provision to assets | 0.1720% | 1,211 |
| Net operating income to assets | 1.4411% | 1,011 |
| Return on assets (ROA) | 1.4411% | 1,049 |
| Pretax return on assets | 1.4411% | 1,834 |
| Return on Equity (ROE) | 15.3403% | 687 |
| Retained earnings to average equity (ytd only) | 14.5265% | 211 |
| Net charge-offs to loans | 0.1896% | 1,321 |
| Credit loss provision to net charge-offs | 152.5424% | 1,514 |
| Earnings coverage of net charge-offs (x) | 14.3051% | 2,069 |
| Efficiency ratio | 68.8561% | 3,517 |
| Assets per employee ($millions) | 3.8510% | 4,164 |
| Cash dividends to net income (ytd only)* | 5.3050% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1089% | 847 |
| Loan loss allowance to noncurrent loans | 1,012.8788% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 4,664 |
| Noncurrent loans to loans | 0.2082% | 4,938 |
| Net loans and leases to total assets | 57.5559% | 4,163 |
| Net loans and leases to deposits | 65.0129% | 4,440 |
| Net loans and leases to core deposits | 70.4346% | 4,285 |
| Total domestic deposits to total assets | 88.5300% | 1,395 |
| Equity capital to assets | 9.3092% | 4,888 |
| Core capital (leverage) ratio | 9.3739% | 4,458 |
| Tier 1 risk-based capital ratio | 15.3814% | 3,170 |
| Total risk-based capital ratio | 16.6410% | 3,100 |
| Memoranda: | ||
| Average total assets | $104,640,330 | 4,451 |
| Average earning assets | $99,112,000 | 4,391 |
| Average equity | $9,830,330 | 4,777 |
| Average total loans | $62,243,330 | 4,398 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9610% | 611 |
| Cost of funding earning assets | 0.3529% | 3,825 |
| Net interest margin | 4.6081% | 491 |
| Noninterest income to average assets | 0.8191% | 1,634 |
| Noninterest expense to average assets | 3.6372% | 1,083 |
| Loan and lease loss provision to assets | 0.1747% | 1,115 |
| Net operating income to assets | 1.3664% | 1,102 |
| Return on assets (ROA) | 1.3664% | 1,164 |
| Pretax return on assets | 1.3664% | 2,015 |
| Return on Equity (ROE) | 14.4759% | 792 |
| Retained earnings to average equity (ytd only) | 13.3655% | 411 |
| Net charge-offs to loans | 0.3373% | 723 |
| Credit loss provision to net charge-offs | 86.5385% | 1,770 |
| Earnings coverage of net charge-offs (x) | 7.6346% | 2,154 |
| Efficiency ratio | 70.2399% | 3,443 |
| Assets per employee ($millions) | 3.6288% | 4,669 |
| Cash dividends to net income (ytd only)* | 7.6705% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1082% | 915 |
| Loan loss allowance to noncurrent loans | 43,300.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 5,194 |
| Noncurrent loans to loans | 0.0049% | 5,799 |
| Net loans and leases to total assets | 57.3159% | 4,047 |
| Net loans and leases to deposits | 63.4755% | 4,428 |
| Net loans and leases to core deposits | 69.5955% | 4,194 |
| Total domestic deposits to total assets | 90.2961% | 611 |
| Equity capital to assets | 9.4578% | 4,795 |
| Core capital (leverage) ratio | 9.1961% | 4,722 |
| Tier 1 risk-based capital ratio | 15.3204% | 3,250 |
| Total risk-based capital ratio | 16.5796% | 3,173 |
| Memoranda: | ||
| Average total assets | $103,046,000 | 4,526 |
| Average earning assets | $97,481,000 | 4,472 |
| Average equity | $9,726,500 | 4,843 |
| Average total loans | $61,665,500 | 4,447 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 829 |
| Cost of funding earning assets | 0.3872% | 3,828 |
| Net interest margin | 4.5794% | 639 |
| Noninterest income to average assets | 0.9092% | 1,470 |
| Noninterest expense to average assets | 3.7293% | 1,102 |
| Loan and lease loss provision to assets | 0.1847% | 1,391 |
| Net operating income to assets | 1.3279% | 1,236 |
| Return on assets (ROA) | 1.3659% | 1,193 |
| Pretax return on assets | 1.3659% | 2,017 |
| Return on Equity (ROE) | 15.1608% | 754 |
| Retained earnings to average equity (ytd only) | 11.8006% | 312 |
| Net charge-offs to loans | 0.0036% | 4,884 |
| Credit loss provision to net charge-offs | 9,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 737.0000% | 63 |
| Efficiency ratio | 71.1433% | 3,348 |
| Assets per employee ($millions) | 3.7354% | 4,466 |
| Cash dividends to net income (ytd only)* | 22.1638% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1162% | 923 |
| Loan loss allowance to noncurrent loans | 2,560.7843% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 5,048 |
| Noncurrent loans to loans | 0.0826% | 5,555 |
| Net loans and leases to total assets | 59.8963% | 3,801 |
| Net loans and leases to deposits | 67.2579% | 4,195 |
| Net loans and leases to core deposits | 72.2795% | 4,094 |
| Total domestic deposits to total assets | 89.0547% | 1,213 |
| Equity capital to assets | 9.4194% | 4,818 |
| Core capital (leverage) ratio | 9.0608% | 4,888 |
| Tier 1 risk-based capital ratio | 14.6152% | 3,713 |
| Total risk-based capital ratio | 15.8749% | 3,633 |
| Memoranda: | ||
| Average total assets | $97,444,400 | 4,662 |
| Average earning assets | $92,195,200 | 4,601 |
| Average equity | $8,779,200 | 5,027 |
| Average total loans | $55,842,000 | 4,617 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 928 |
| Cost of funding earning assets | 0.3862% | 3,941 |
| Net interest margin | 4.5140% | 718 |
| Noninterest income to average assets | 0.9193% | 1,454 |
| Noninterest expense to average assets | 3.6952% | 1,132 |
| Loan and lease loss provision to assets | 0.1864% | 1,310 |
| Net operating income to assets | 1.3127% | 1,337 |
| Return on assets (ROA) | 1.3458% | 1,312 |
| Pretax return on assets | 1.3458% | 2,215 |
| Return on Equity (ROE) | 15.1177% | 801 |
| Retained earnings to average equity (ytd only) | 14.3114% | 235 |
| Net charge-offs to loans | -0.0466% | 5,877 |
| Credit loss provision to net charge-offs | -710.5263% | 5,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1400% | 3,320 |
| Assets per employee ($millions) | 3.8643% | 4,158 |
| Cash dividends to net income (ytd only)* | 5.3332% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1536% | 1,016 |
| Loan loss allowance to noncurrent loans | 1,220.9524% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 5,064 |
| Noncurrent loans to loans | 0.1764% | 5,385 |
| Net loans and leases to total assets | 57.9739% | 4,078 |
| Net loans and leases to deposits | 68.2705% | 4,101 |
| Net loans and leases to core deposits | 73.9081% | 3,947 |
| Total domestic deposits to total assets | 84.9180% | 3,368 |
| Equity capital to assets | 9.2504% | 5,085 |
| Core capital (leverage) ratio | 9.3247% | 4,608 |
| Tier 1 risk-based capital ratio | 14.8534% | 3,679 |
| Total risk-based capital ratio | 16.1134% | 3,607 |
| Memoranda: | ||
| Average total assets | $96,591,500 | 4,731 |
| Average earning assets | $91,475,500 | 4,660 |
| Average equity | $8,599,000 | 5,107 |
| Average total loans | $54,373,750 | 4,718 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 1,011 |
| Cost of funding earning assets | 0.3903% | 3,990 |
| Net interest margin | 4.4468% | 784 |
| Noninterest income to average assets | 0.9297% | 1,396 |
| Noninterest expense to average assets | 3.7167% | 1,111 |
| Loan and lease loss provision to assets | 0.1889% | 1,286 |
| Net operating income to assets | 1.2319% | 1,501 |
| Return on assets (ROA) | 1.2718% | 1,439 |
| Pretax return on assets | 1.2718% | 2,361 |
| Return on Equity (ROE) | 14.4849% | 875 |
| Retained earnings to average equity (ytd only) | 13.5766% | 290 |
| Net charge-offs to loans | -0.0608% | 5,963 |
| Credit loss provision to net charge-offs | -562.5000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3448% | 3,278 |
| Assets per employee ($millions) | 3.8292% | 4,201 |
| Cash dividends to net income (ytd only)* | 6.2706% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2580% | 944 |
| Loan loss allowance to noncurrent loans | 15,425.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 5,484 |
| Noncurrent loans to loans | 0.0146% | 6,035 |
| Net loans and leases to total assets | 55.7996% | 4,315 |
| Net loans and leases to deposits | 61.7559% | 4,717 |
| Net loans and leases to core deposits | 67.1895% | 4,534 |
| Total domestic deposits to total assets | 90.3552% | 639 |
| Equity capital to assets | 9.3127% | 4,972 |
| Core capital (leverage) ratio | 9.1035% | 4,866 |
| Tier 1 risk-based capital ratio | 15.3505% | 3,439 |
| Total risk-based capital ratio | 16.6123% | 3,381 |
| Memoranda: | ||
| Average total assets | $95,298,330 | 4,789 |
| Average earning assets | $90,176,670 | 4,726 |
| Average equity | $8,367,330 | 5,181 |
| Average total loans | $52,655,330 | 4,804 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 1,026 |
| Cost of funding earning assets | 0.3815% | 4,180 |
| Net interest margin | 4.4273% | 758 |
| Noninterest income to average assets | 0.9213% | 1,329 |
| Noninterest expense to average assets | 3.6137% | 1,285 |
| Loan and lease loss provision to assets | 0.1893% | 1,256 |
| Net operating income to assets | 1.3168% | 1,172 |
| Return on assets (ROA) | 1.3799% | 1,077 |
| Pretax return on assets | 1.3799% | 1,819 |
| Return on Equity (ROE) | 16.2105% | 623 |
| Retained earnings to average equity (ytd only) | 14.9750% | 318 |
| Net charge-offs to loans | -0.1471% | 6,280 |
| Credit loss provision to net charge-offs | -236.8421% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5834% | 3,729 |
| Assets per employee ($millions) | 3.5837% | 4,761 |
| Cash dividends to net income (ytd only)* | 7.6220% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3089% | 1,017 |
| Loan loss allowance to noncurrent loans | 2,483.3333% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 5,431 |
| Noncurrent loans to loans | 0.0930% | 5,846 |
| Net loans and leases to total assets | 52.1233% | 4,656 |
| Net loans and leases to deposits | 57.2022% | 5,017 |
| Net loans and leases to core deposits | 62.4438% | 4,835 |
| Total domestic deposits to total assets | 91.1212% | 520 |
| Equity capital to assets | 8.6121% | 5,536 |
| Core capital (leverage) ratio | 9.1202% | 4,834 |
| Tier 1 risk-based capital ratio | 15.5862% | 3,387 |
| Total risk-based capital ratio | 16.8488% | 3,346 |
| Memoranda: | ||
| Average total assets | $95,082,500 | 4,836 |
| Average earning assets | $90,168,500 | 4,775 |
| Average equity | $8,093,500 | 5,264 |
| Average total loans | $51,657,500 | 4,875 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 1,143 |
| Cost of funding earning assets | 0.4497% | 4,119 |
| Net interest margin | 4.4256% | 863 |
| Noninterest income to average assets | 0.9953% | 1,408 |
| Noninterest expense to average assets | 3.7988% | 1,139 |
| Loan and lease loss provision to assets | 0.1999% | 1,860 |
| Net operating income to assets | 1.1508% | 1,757 |
| Return on assets (ROA) | 1.1508% | 1,824 |
| Pretax return on assets | 1.1508% | 2,769 |
| Return on Equity (ROE) | 13.2420% | 1,123 |
| Retained earnings to average equity (ytd only) | 9.6631% | 631 |
| Net charge-offs to loans | 0.0159% | 5,124 |
| Credit loss provision to net charge-offs | 2,250.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 305 |
| Efficiency ratio | 73.7705% | 3,166 |
| Assets per employee ($millions) | 3.4595% | 4,978 |
| Cash dividends to net income (ytd only)* | 27.0270% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1823% | 1,201 |
| Loan loss allowance to noncurrent loans | 4,338.4615% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 5,565 |
| Noncurrent loans to loans | 0.0503% | 6,079 |
| Net loans and leases to total assets | 54.1304% | 4,565 |
| Net loans and leases to deposits | 59.2306% | 5,011 |
| Net loans and leases to core deposits | 63.7302% | 4,893 |
| Total domestic deposits to total assets | 91.3892% | 440 |
| Equity capital to assets | 8.4085% | 5,680 |
| Core capital (leverage) ratio | 8.7647% | 5,342 |
| Tier 1 risk-based capital ratio | 15.0570% | 3,635 |
| Total risk-based capital ratio | 16.3165% | 3,570 |
| Memoranda: | ||
| Average total assets | $90,027,600 | 4,980 |
| Average earning assets | $84,507,800 | 4,921 |
| Average equity | $7,823,600 | 5,387 |
| Average total loans | $50,337,000 | 4,950 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 1,217 |
| Cost of funding earning assets | 0.4616% | 4,153 |
| Net interest margin | 4.3972% | 899 |
| Noninterest income to average assets | 0.9762% | 1,516 |
| Noninterest expense to average assets | 3.7435% | 1,175 |
| Loan and lease loss provision to assets | 0.2018% | 1,799 |
| Net operating income to assets | 1.1467% | 1,827 |
| Return on assets (ROA) | 1.1467% | 1,899 |
| Pretax return on assets | 1.1467% | 2,908 |
| Return on Equity (ROE) | 13.0839% | 1,217 |
| Retained earnings to average equity (ytd only) | 12.0264% | 421 |
| Net charge-offs to loans | 0.0320% | 4,494 |
| Credit loss provision to net charge-offs | 1,125.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 75.1650% | 628 |
| Efficiency ratio | 73.5173% | 3,141 |
| Assets per employee ($millions) | 3.6991% | 4,452 |
| Cash dividends to net income (ytd only)* | 8.0830% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0574% | 1,597 |
| Loan loss allowance to noncurrent loans | 1,438.6667% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 4,986 |
| Noncurrent loans to loans | 0.1430% | 5,895 |
| Net loans and leases to total assets | 55.5451% | 4,385 |
| Net loans and leases to deposits | 60.8787% | 4,882 |
| Net loans and leases to core deposits | 65.8813% | 4,725 |
| Total domestic deposits to total assets | 91.2390% | 445 |
| Equity capital to assets | 8.3998% | 5,834 |
| Core capital (leverage) ratio | 9.1292% | 4,928 |
| Tier 1 risk-based capital ratio | 14.6282% | 3,997 |
| Total risk-based capital ratio | 15.8865% | 3,939 |
| Memoranda: | ||
| Average total assets | $89,183,000 | 5,049 |
| Average earning assets | $83,475,750 | 4,987 |
| Average equity | $7,816,000 | 5,445 |
| Average total loans | $49,999,000 | 5,006 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 1,331 |
| Cost of funding earning assets | 0.4742% | 4,157 |
| Net interest margin | 4.3235% | 990 |
| Noninterest income to average assets | 0.9627% | 1,622 |
| Noninterest expense to average assets | 3.7237% | 1,216 |
| Loan and lease loss provision to assets | 0.2043% | 1,856 |
| Net operating income to assets | 1.0717% | 2,030 |
| Return on assets (ROA) | 1.0717% | 2,146 |
| Pretax return on assets | 1.0717% | 3,209 |
| Return on Equity (ROE) | 12.0531% | 1,477 |
| Retained earnings to average equity (ytd only) | 10.8784% | 667 |
| Net charge-offs to loans | 0.0122% | 4,619 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 187.3333% | 271 |
| Efficiency ratio | 74.4777% | 3,033 |
| Assets per employee ($millions) | 3.5882% | 4,651 |
| Cash dividends to net income (ytd only)* | 9.7458% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0794% | 1,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 4,136 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 54.7523% | 4,483 |
| Net loans and leases to deposits | 60.1038% | 4,970 |
| Net loans and leases to core deposits | 61.6411% | 5,130 |
| Total domestic deposits to total assets | 91.0963% | 512 |
| Equity capital to assets | 8.5704% | 5,694 |
| Core capital (leverage) ratio | 8.8902% | 5,162 |
| Tier 1 risk-based capital ratio | 15.0268% | 3,763 |
| Total risk-based capital ratio | 16.2868% | 3,722 |
| Memoranda: | ||
| Average total assets | $88,084,670 | 5,105 |
| Average earning assets | $82,247,330 | 5,046 |
| Average equity | $7,832,000 | 5,472 |
| Average total loans | $49,183,330 | 5,060 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 1,424 |
| Cost of funding earning assets | 0.4861% | 4,222 |
| Net interest margin | 4.2572% | 1,055 |
| Noninterest income to average assets | 0.9533% | 1,601 |
| Noninterest expense to average assets | 3.7262% | 1,206 |
| Loan and lease loss provision to assets | 0.2062% | 1,802 |
| Net operating income to assets | 0.9946% | 2,245 |
| Return on assets (ROA) | 0.9946% | 2,365 |
| Pretax return on assets | 0.9946% | 3,377 |
| Return on Equity (ROE) | 10.9818% | 1,717 |
| Retained earnings to average equity (ytd only) | 9.7166% | 1,178 |
| Net charge-offs to loans | -0.0411% | 6,042 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6279% | 2,988 |
| Assets per employee ($millions) | 3.7316% | 4,485 |
| Cash dividends to net income (ytd only)* | 11.5207% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0792% | 1,845 |
| Loan loss allowance to noncurrent loans | 100,600.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.8676% | 4,210 |
| Noncurrent loans to loans | 0.0021% | 6,525 |
| Net loans and leases to total assets | 52.9003% | 4,571 |
| Net loans and leases to deposits | 58.2557% | 5,000 |
| Net loans and leases to core deposits | 59.7515% | 5,173 |
| Total domestic deposits to total assets | 90.8072% | 608 |
| Equity capital to assets | 8.8869% | 5,627 |
| Core capital (leverage) ratio | 8.8683% | 5,096 |
| Tier 1 risk-based capital ratio | 15.2208% | 3,697 |
| Total risk-based capital ratio | 16.4802% | 3,641 |
| Memoranda: | ||
| Average total assets | $87,275,000 | 5,166 |
| Average earning assets | $81,461,500 | 5,105 |
| Average equity | $7,904,000 | 5,511 |
| Average total loans | $48,696,000 | 5,109 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5864% | 526 |
| Cost of funding earning assets | 0.6627% | 3,803 |
| Net interest margin | 4.9237% | 433 |
| Noninterest income to average assets | 1.0373% | 1,441 |
| Noninterest expense to average assets | 4.2016% | 765 |
| Loan and lease loss provision to assets | 0.2180% | 2,954 |
| Net operating income to assets | 1.1616% | 1,727 |
| Return on assets (ROA) | 1.2232% | 1,693 |
| Pretax return on assets | 1.2232% | 2,714 |
| Return on Equity (ROE) | 12.2515% | 1,432 |
| Retained earnings to average equity (ytd only) | 5.7276% | 2,233 |
| Net charge-offs to loans | 0.1285% | 4,394 |
| Credit loss provision to net charge-offs | 274.1935% | 878 |
| Earnings coverage of net charge-offs (x) | 17.3548% | 1,509 |
| Efficiency ratio | 75.2814% | 2,863 |
| Assets per employee ($millions) | 3.3996% | 5,218 |
| Cash dividends to net income (ytd only)* | 53.2495% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9507% | 2,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9154% | 4,208 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 56.5389% | 4,199 |
| Net loans and leases to deposits | 62.4397% | 4,733 |
| Net loans and leases to core deposits | 64.1322% | 4,941 |
| Total domestic deposits to total assets | 90.5496% | 682 |
| Equity capital to assets | 9.2351% | 5,231 |
| Core capital (leverage) ratio | 8.9780% | 4,933 |
| Tier 1 risk-based capital ratio | 14.8839% | 3,783 |
| Total risk-based capital ratio | 16.1414% | 3,727 |
| Memoranda: | ||
| Average total assets | $77,993,800 | 5,410 |
| Average earning assets | $71,977,800 | 5,372 |
| Average equity | $7,786,800 | 5,558 |
| Average total loans | $48,235,800 | 5,167 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7150% | 451 |
| Cost of funding earning assets | 0.6956% | 3,808 |
| Net interest margin | 5.0194% | 387 |
| Noninterest income to average assets | 1.0562% | 1,353 |
| Noninterest expense to average assets | 4.2354% | 696 |
| Loan and lease loss provision to assets | 0.2361% | 2,691 |
| Net operating income to assets | 1.2031% | 1,723 |
| Return on assets (ROA) | 1.2031% | 1,897 |
| Pretax return on assets | 1.2031% | 2,986 |
| Return on Equity (ROE) | 11.8039% | 1,700 |
| Retained earnings to average equity (ytd only) | 10.7402% | 735 |
| Net charge-offs to loans | 0.0916% | 4,461 |
| Credit loss provision to net charge-offs | 409.0909% | 659 |
| Earnings coverage of net charge-offs (x) | 24.9389% | 1,263 |
| Efficiency ratio | 74.6379% | 2,884 |
| Assets per employee ($millions) | 3.1443% | 5,748 |
| Cash dividends to net income (ytd only)* | 9.0111% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 2,429 |
| Loan loss allowance to noncurrent loans | 513.5135% | 748 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 4,212 |
| Noncurrent loans to loans | 0.3727% | 5,732 |
| Net loans and leases to total assets | 61.9385% | 3,392 |
| Net loans and leases to deposits | 69.4699% | 3,969 |
| Net loans and leases to core deposits | 71.8653% | 4,272 |
| Total domestic deposits to total assets | 89.1587% | 1,335 |
| Equity capital to assets | 10.3426% | 4,026 |
| Core capital (leverage) ratio | 9.7509% | 3,870 |
| Tier 1 risk-based capital ratio | 14.9057% | 3,917 |
| Total risk-based capital ratio | 16.1627% | 3,869 |
| Memoranda: | ||
| Average total assets | $76,244,500 | 5,509 |
| Average earning assets | $70,153,250 | 5,482 |
| Average equity | $7,771,250 | 5,620 |
| Average total loans | $48,042,500 | 5,234 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7287% | 459 |
| Cost of funding earning assets | 0.7211% | 3,839 |
| Net interest margin | 5.0075% | 397 |
| Noninterest income to average assets | 1.0788% | 1,228 |
| Noninterest expense to average assets | 4.2355% | 702 |
| Loan and lease loss provision to assets | 0.2385% | 2,683 |
| Net operating income to assets | 1.2060% | 1,692 |
| Return on assets (ROA) | 1.2060% | 1,890 |
| Pretax return on assets | 1.2060% | 2,897 |
| Return on Equity (ROE) | 11.8928% | 1,701 |
| Retained earnings to average equity (ytd only) | 10.7950% | 783 |
| Net charge-offs to loans | 0.1094% | 4,093 |
| Credit loss provision to net charge-offs | 346.1538% | 844 |
| Earnings coverage of net charge-offs (x) | 20.9615% | 1,362 |
| Efficiency ratio | 74.5684% | 2,976 |
| Assets per employee ($millions) | 2.8776% | 6,272 |
| Cash dividends to net income (ytd only)* | 9.2308% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 2,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8173% | 4,767 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 60.1488% | 3,787 |
| Net loans and leases to deposits | 67.1784% | 4,333 |
| Net loans and leases to core deposits | 69.5096% | 4,592 |
| Total domestic deposits to total assets | 89.5359% | 1,202 |
| Equity capital to assets | 10.0329% | 4,282 |
| Core capital (leverage) ratio | 9.6246% | 3,958 |
| Tier 1 risk-based capital ratio | 14.9685% | 3,786 |
| Total risk-based capital ratio | 16.2266% | 3,732 |
| Memoranda: | ||
| Average total assets | $75,457,000 | 5,564 |
| Average earning assets | $69,335,670 | 5,549 |
| Average equity | $7,651,670 | 5,671 |
| Average total loans | $47,510,670 | 5,284 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7723% | 450 |
| Cost of funding earning assets | 0.7465% | 3,890 |
| Net interest margin | 5.0258% | 383 |
| Noninterest income to average assets | 1.1084% | 1,151 |
| Noninterest expense to average assets | 4.2347% | 711 |
| Loan and lease loss provision to assets | 0.2421% | 2,531 |
| Net operating income to assets | 1.2322% | 1,654 |
| Return on assets (ROA) | 1.2322% | 1,831 |
| Pretax return on assets | 1.2322% | 2,800 |
| Return on Equity (ROE) | 12.0844% | 1,660 |
| Retained earnings to average equity (ytd only) | 10.6596% | 1,125 |
| Net charge-offs to loans | 0.2276% | 2,789 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 10.1481% | 1,780 |
| Efficiency ratio | 74.1753% | 3,074 |
| Assets per employee ($millions) | 2.7896% | 6,511 |
| Cash dividends to net income (ytd only)* | 11.7904% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 2,728 |
| Loan loss allowance to noncurrent loans | 213.8272% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8311% | 4,872 |
| Noncurrent loans to loans | 0.8814% | 4,904 |
| Net loans and leases to total assets | 59.8548% | 3,700 |
| Net loans and leases to deposits | 66.8783% | 4,248 |
| Net loans and leases to core deposits | 69.2525% | 4,531 |
| Total domestic deposits to total assets | 89.4980% | 1,369 |
| Equity capital to assets | 10.1727% | 3,886 |
| Core capital (leverage) ratio | 9.5735% | 3,953 |
| Tier 1 risk-based capital ratio | 15.0456% | 3,731 |
| Total risk-based capital ratio | 16.3033% | 3,682 |
| Memoranda: | ||
| Average total assets | $74,338,500 | 5,634 |
| Average earning assets | $68,049,500 | 5,622 |
| Average equity | $7,580,000 | 5,714 |
| Average total loans | $47,444,000 | 5,322 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2864% | 262 |
| Cost of funding earning assets | 0.8824% | 4,237 |
| Net interest margin | 5.4040% | 204 |
| Noninterest income to average assets | 1.0102% | 1,342 |
| Noninterest expense to average assets | 4.5229% | 583 |
| Loan and lease loss provision to assets | 0.2529% | 3,676 |
| Net operating income to assets | 1.1564% | 1,654 |
| Return on assets (ROA) | 1.1817% | 1,679 |
| Pretax return on assets | 1.1817% | 2,518 |
| Return on Equity (ROE) | 11.6179% | 1,526 |
| Retained earnings to average equity (ytd only) | 5.0285% | 2,618 |
| Net charge-offs to loans | 0.0689% | 5,621 |
| Credit loss provision to net charge-offs | 562.5000% | 406 |
| Earnings coverage of net charge-offs (x) | 31.3438% | 818 |
| Efficiency ratio | 76.2435% | 2,850 |
| Assets per employee ($millions) | 2.7170% | 6,586 |
| Cash dividends to net income (ytd only)* | 56.7182% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7327% | 3,080 |
| Loan loss allowance to noncurrent loans | 199.5294% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.8806% | 4,861 |
| Noncurrent loans to loans | 0.8684% | 4,949 |
| Net loans and leases to total assets | 65.5579% | 2,863 |
| Net loans and leases to deposits | 74.3687% | 3,439 |
| Net loans and leases to core deposits | 76.7997% | 3,857 |
| Total domestic deposits to total assets | 88.1526% | 2,058 |
| Equity capital to assets | 10.2211% | 3,883 |
| Core capital (leverage) ratio | 9.1364% | 4,567 |
| Tier 1 risk-based capital ratio | 13.8617% | 4,429 |
| Total risk-based capital ratio | 15.1162% | 4,382 |
| Memoranda: | ||
| Average total assets | $71,170,800 | 5,715 |
| Average earning assets | $64,822,400 | 5,709 |
| Average equity | $7,238,800 | 5,795 |
| Average total loans | $46,413,600 | 5,403 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2776% | 283 |
| Cost of funding earning assets | 0.9066% | 4,351 |
| Net interest margin | 5.3710% | 217 |
| Noninterest income to average assets | 1.0232% | 1,286 |
| Noninterest expense to average assets | 4.4573% | 599 |
| Loan and lease loss provision to assets | 0.2549% | 3,465 |
| Net operating income to assets | 1.1988% | 1,655 |
| Return on assets (ROA) | 1.2328% | 1,669 |
| Pretax return on assets | 1.2328% | 2,515 |
| Return on Equity (ROE) | 12.1360% | 1,516 |
| Retained earnings to average equity (ytd only) | 9.9989% | 844 |
| Net charge-offs to loans | 0.0757% | 5,206 |
| Credit loss provision to net charge-offs | 519.2308% | 530 |
| Earnings coverage of net charge-offs (x) | 29.6118% | 944 |
| Efficiency ratio | 75.4072% | 2,937 |
| Assets per employee ($millions) | 2.6891% | 6,663 |
| Cash dividends to net income (ytd only)* | 17.6112% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 3,300 |
| Loan loss allowance to noncurrent loans | 239.3491% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 5,610 |
| Noncurrent loans to loans | 0.7075% | 5,463 |
| Net loans and leases to total assets | 64.6861% | 3,169 |
| Net loans and leases to deposits | 73.8564% | 3,673 |
| Net loans and leases to core deposits | 76.9493% | 4,064 |
| Total domestic deposits to total assets | 87.5837% | 2,303 |
| Equity capital to assets | 10.5542% | 3,639 |
| Core capital (leverage) ratio | 10.1232% | 3,281 |
| Tier 1 risk-based capital ratio | 14.5138% | 3,968 |
| Total risk-based capital ratio | 15.7689% | 3,940 |
| Memoranda: | ||
| Average total assets | $70,624,000 | 5,765 |
| Average earning assets | $64,269,750 | 5,762 |
| Average equity | $7,174,000 | 5,849 |
| Average total loans | $45,782,000 | 5,479 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2337% | 313 |
| Cost of funding earning assets | 0.9440% | 4,366 |
| Net interest margin | 5.2897% | 248 |
| Noninterest income to average assets | 1.0320% | 1,244 |
| Noninterest expense to average assets | 4.4709% | 612 |
| Loan and lease loss provision to assets | 0.2573% | 3,341 |
| Net operating income to assets | 1.1092% | 1,845 |
| Return on assets (ROA) | 1.1092% | 1,936 |
| Pretax return on assets | 1.1092% | 2,816 |
| Return on Equity (ROE) | 11.0683% | 1,775 |
| Retained earnings to average equity (ytd only) | 8.5009% | 1,262 |
| Net charge-offs to loans | 0.0842% | 4,798 |
| Credit loss provision to net charge-offs | 473.6842% | 650 |
| Earnings coverage of net charge-offs (x) | 25.1579% | 1,044 |
| Efficiency ratio | 76.5916% | 2,919 |
| Assets per employee ($millions) | 2.7005% | 6,640 |
| Cash dividends to net income (ytd only)* | 23.1959% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 3,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 63.5267% | 3,574 |
| Net loans and leases to deposits | 71.2171% | 4,257 |
| Net loans and leases to core deposits | 74.4132% | 4,525 |
| Total domestic deposits to total assets | 89.2014% | 1,417 |
| Equity capital to assets | 10.3713% | 3,664 |
| Core capital (leverage) ratio | 9.8718% | 3,422 |
| Tier 1 risk-based capital ratio | 14.4601% | 3,817 |
| Total risk-based capital ratio | 15.7143% | 3,784 |
| Memoranda: | ||
| Average total assets | $69,963,330 | 5,829 |
| Average earning assets | $63,558,000 | 5,840 |
| Average equity | $7,011,000 | 5,927 |
| Average total loans | $45,117,670 | 5,551 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2217% | 323 |
| Cost of funding earning assets | 0.9834% | 4,322 |
| Net interest margin | 5.2383% | 241 |
| Noninterest income to average assets | 0.9851% | 1,373 |
| Noninterest expense to average assets | 4.5247% | 579 |
| Loan and lease loss provision to assets | 0.2577% | 3,085 |
| Net operating income to assets | 0.9622% | 2,308 |
| Return on assets (ROA) | 0.9622% | 2,374 |
| Pretax return on assets | 0.9622% | 3,277 |
| Return on Equity (ROE) | 9.7738% | 2,179 |
| Retained earnings to average equity (ytd only) | 6.8650% | 2,207 |
| Net charge-offs to loans | 0.1156% | 3,841 |
| Credit loss provision to net charge-offs | 346.1538% | 944 |
| Earnings coverage of net charge-offs (x) | 16.3846% | 1,269 |
| Efficiency ratio | 78.7637% | 2,725 |
| Assets per employee ($millions) | 2.7243% | 6,664 |
| Cash dividends to net income (ytd only)* | 29.7619% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 3,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 6,804 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 61.8195% | 3,894 |
| Net loans and leases to deposits | 68.8512% | 4,545 |
| Net loans and leases to core deposits | 71.5747% | 4,844 |
| Total domestic deposits to total assets | 89.7871% | 1,296 |
| Equity capital to assets | 9.8430% | 3,970 |
| Core capital (leverage) ratio | 9.6130% | 3,642 |
| Tier 1 risk-based capital ratio | 14.3106% | 3,862 |
| Total risk-based capital ratio | 15.5640% | 3,820 |
| Memoranda: | ||
| Average total assets | $69,838,500 | 5,869 |
| Average earning assets | $63,455,500 | 5,880 |
| Average equity | $6,875,500 | 5,961 |
| Average total loans | $44,989,000 | 5,613 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9639% | 918 |
| Cost of funding earning assets | 1.0308% | 5,528 |
| Net interest margin | 4.9331% | 507 |
| Noninterest income to average assets | 0.9354% | 1,722 |
| Noninterest expense to average assets | 4.3862% | 733 |
| Loan and lease loss provision to assets | 0.2506% | 4,788 |
| Net operating income to assets | 0.7754% | 2,897 |
| Return on assets (ROA) | 0.8839% | 2,588 |
| Pretax return on assets | 0.8839% | 3,362 |
| Return on Equity (ROE) | 8.9875% | 2,294 |
| Retained earnings to average equity (ytd only) | 1.5286% | 4,772 |
| Net charge-offs to loans | 0.1982% | 5,100 |
| Credit loss provision to net charge-offs | 219.5122% | 1,368 |
| Earnings coverage of net charge-offs (x) | 8.9878% | 1,894 |
| Efficiency ratio | 81.0442% | 2,286 |
| Assets per employee ($millions) | 2.5498% | 6,934 |
| Cash dividends to net income (ytd only)* | 82.9921% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 3,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 6,821 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 65.0127% | 3,659 |
| Net loans and leases to deposits | 72.3514% | 4,459 |
| Net loans and leases to core deposits | 76.1786% | 4,686 |
| Total domestic deposits to total assets | 89.8569% | 1,185 |
| Equity capital to assets | 9.8468% | 3,942 |
| Core capital (leverage) ratio | 9.4974% | 3,711 |
| Tier 1 risk-based capital ratio | 13.7561% | 4,015 |
| Total risk-based capital ratio | 15.0093% | 3,994 |
| Memoranda: | ||
| Average total assets | $71,838,200 | 5,819 |
| Average earning assets | $65,192,600 | 5,823 |
| Average equity | $7,065,400 | 6,013 |
| Average total loans | $41,363,600 | 5,868 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8290% | 1,314 |
| Cost of funding earning assets | 1.0245% | 5,829 |
| Net interest margin | 4.8045% | 671 |
| Noninterest income to average assets | 0.9864% | 1,499 |
| Noninterest expense to average assets | 4.2560% | 771 |
| Loan and lease loss provision to assets | 0.2480% | 4,608 |
| Net operating income to assets | 0.8413% | 2,842 |
| Return on assets (ROA) | 0.9405% | 2,580 |
| Pretax return on assets | 0.9405% | 3,407 |
| Return on Equity (ROE) | 9.5649% | 2,296 |
| Retained earnings to average equity (ytd only) | 7.1363% | 1,782 |
| Net charge-offs to loans | 0.2578% | 4,399 |
| Credit loss provision to net charge-offs | 173.0769% | 2,124 |
| Earnings coverage of net charge-offs (x) | 7.6024% | 2,299 |
| Efficiency ratio | 79.6220% | 2,401 |
| Assets per employee ($millions) | 2.4360% | 7,152 |
| Cash dividends to net income (ytd only)* | 25.3908% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 3,696 |
| Loan loss allowance to noncurrent loans | 2,745.8333% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 6,617 |
| Noncurrent loans to loans | 0.0569% | 7,100 |
| Net loans and leases to total assets | 60.9102% | 4,732 |
| Net loans and leases to deposits | 68.7114% | 5,323 |
| Net loans and leases to core deposits | 71.5565% | 5,566 |
| Total domestic deposits to total assets | 88.6463% | 1,593 |
| Equity capital to assets | 10.8772% | 3,078 |
| Core capital (leverage) ratio | 10.0138% | 3,242 |
| Tier 1 risk-based capital ratio | 14.9433% | 3,280 |
| Total risk-based capital ratio | 16.1962% | 3,263 |
| Memoranda: | ||
| Average total assets | $72,586,500 | 5,863 |
| Average earning assets | $65,852,750 | 5,865 |
| Average equity | $7,137,000 | 6,065 |
| Average total loans | $40,340,000 | 5,990 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6519% | 1,931 |
| Cost of funding earning assets | 1.0252% | 6,029 |
| Net interest margin | 4.6267% | 937 |
| Noninterest income to average assets | 0.9535% | 1,506 |
| Noninterest expense to average assets | 4.0569% | 975 |
| Loan and lease loss provision to assets | 0.2431% | 4,488 |
| Net operating income to assets | 0.8589% | 2,695 |
| Return on assets (ROA) | 0.8589% | 2,840 |
| Pretax return on assets | 0.8589% | 3,666 |
| Return on Equity (ROE) | 9.0302% | 2,451 |
| Retained earnings to average equity (ytd only) | 6.4745% | 2,087 |
| Net charge-offs to loans | 0.3323% | 3,664 |
| Credit loss provision to net charge-offs | 136.3636% | 2,937 |
| Earnings coverage of net charge-offs (x) | 6.1818% | 2,510 |
| Efficiency ratio | 78.6387% | 2,637 |
| Assets per employee ($millions) | 2.6308% | 6,892 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 6,772 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 52.7643% | 6,135 |
| Net loans and leases to deposits | 68.4033% | 5,511 |
| Net loans and leases to core deposits | 70.6766% | 5,809 |
| Total domestic deposits to total assets | 77.1371% | 6,470 |
| Equity capital to assets | 9.3612% | 4,913 |
| Core capital (leverage) ratio | 8.9631% | 4,667 |
| Tier 1 risk-based capital ratio | 14.7761% | 3,271 |
| Total risk-based capital ratio | 16.0279% | 3,244 |
| Memoranda: | ||
| Average total assets | $74,046,330 | 5,865 |
| Average earning assets | $67,305,330 | 5,851 |
| Average equity | $7,043,000 | 6,123 |
| Average total loans | $39,718,670 | 6,059 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6542% | 1,944 |
| Cost of funding earning assets | 1.0297% | 6,230 |
| Net interest margin | 4.6245% | 908 |
| Noninterest income to average assets | 0.9380% | 1,493 |
| Noninterest expense to average assets | 4.0865% | 918 |
| Loan and lease loss provision to assets | 0.2468% | 4,071 |
| Net operating income to assets | 0.8173% | 2,893 |
| Return on assets (ROA) | 0.8173% | 2,988 |
| Pretax return on assets | 0.8173% | 3,798 |
| Return on Equity (ROE) | 8.5222% | 2,656 |
| Retained earnings to average equity (ytd only) | 5.6624% | 2,777 |
| Net charge-offs to loans | 0.5315% | 2,474 |
| Credit loss provision to net charge-offs | 86.5385% | 3,736 |
| Earnings coverage of net charge-offs (x) | 3.7308% | 2,809 |
| Efficiency ratio | 79.3397% | 2,665 |
| Assets per employee ($millions) | 2.6617% | 6,934 |
| Cash dividends to net income (ytd only)* | 33.5570% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 3,779 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 6,754 |
| Noncurrent loans to loans | 0.0436% | 7,303 |
| Net loans and leases to total assets | 51.5390% | 6,316 |
| Net loans and leases to deposits | 67.1615% | 5,689 |
| Net loans and leases to core deposits | 68.1965% | 6,078 |
| Total domestic deposits to total assets | 76.7389% | 6,615 |
| Equity capital to assets | 9.4797% | 4,563 |
| Core capital (leverage) ratio | 9.0195% | 4,529 |
| Tier 1 risk-based capital ratio | 15.2095% | 3,002 |
| Total risk-based capital ratio | 16.4608% | 2,963 |
| Memoranda: | ||
| Average total assets | $72,922,500 | 5,967 |
| Average earning assets | $66,429,000 | 5,955 |
| Average equity | $6,993,500 | 6,190 |
| Average total loans | $39,137,000 | 6,162 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9601% | 2,016 |
| Cost of funding earning assets | 1.3554% | 6,117 |
| Net interest margin | 4.6046% | 974 |
| Noninterest income to average assets | 1.0543% | 1,394 |
| Noninterest expense to average assets | 4.1341% | 1,180 |
| Loan and lease loss provision to assets | 0.2120% | 5,644 |
| Net operating income to assets | 0.9629% | 1,975 |
| Return on assets (ROA) | 1.0931% | 1,576 |
| Pretax return on assets | 1.0931% | 2,278 |
| Return on Equity (ROE) | 11.4958% | 1,293 |
| Retained earnings to average equity (ytd only) | 3.4094% | 2,781 |
| Net charge-offs to loans | 0.1767% | 5,536 |
| Credit loss provision to net charge-offs | 231.8182% | 1,580 |
| Earnings coverage of net charge-offs (x) | 12.8485% | 1,468 |
| Efficiency ratio | 77.8706% | 3,214 |
| Assets per employee ($millions) | 2.4592% | 7,266 |
| Cash dividends to net income (ytd only)* | 70.3422% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 3,559 |
| Loan loss allowance to noncurrent loans | 528.0702% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 6,549 |
| Noncurrent loans to loans | 0.2903% | 6,700 |
| Net loans and leases to total assets | 54.2171% | 6,177 |
| Net loans and leases to deposits | 71.3013% | 5,428 |
| Net loans and leases to core deposits | 89.0511% | 5,218 |
| Total domestic deposits to total assets | 76.0394% | 6,675 |
| Equity capital to assets | 9.7060% | 4,140 |
| Core capital (leverage) ratio | 8.9990% | 4,422 |
| Tier 1 risk-based capital ratio | 15.0277% | 2,920 |
| Total risk-based capital ratio | 16.2806% | 2,875 |
| Memoranda: | ||
| Average total assets | $72,179,600 | 5,937 |
| Average earning assets | $66,693,800 | 5,906 |
| Average equity | $6,863,400 | 6,313 |
| Average total loans | $37,351,800 | 6,234 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9367% | 2,284 |
| Cost of funding earning assets | 1.4484% | 6,042 |
| Net interest margin | 4.4884% | 1,224 |
| Noninterest income to average assets | 1.0369% | 1,475 |
| Noninterest expense to average assets | 4.0646% | 1,192 |
| Loan and lease loss provision to assets | 0.2100% | 5,299 |
| Net operating income to assets | 0.9172% | 2,354 |
| Return on assets (ROA) | 0.9190% | 2,422 |
| Pretax return on assets | 0.9190% | 3,168 |
| Return on Equity (ROE) | 9.7145% | 2,027 |
| Retained earnings to average equity (ytd only) | 7.2421% | 1,419 |
| Net charge-offs to loans | 0.1916% | 4,863 |
| Credit loss provision to net charge-offs | 215.0943% | 2,038 |
| Earnings coverage of net charge-offs (x) | 11.5480% | 1,843 |
| Efficiency ratio | 78.2902% | 3,118 |
| Assets per employee ($millions) | 2.4693% | 7,278 |
| Cash dividends to net income (ytd only)* | 25.4509% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 3,420 |
| Loan loss allowance to noncurrent loans | 1,107.6923% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 6,854 |
| Noncurrent loans to loans | 0.1357% | 7,143 |
| Net loans and leases to total assets | 52.7043% | 6,535 |
| Net loans and leases to deposits | 69.8713% | 5,934 |
| Net loans and leases to core deposits | 85.5398% | 5,911 |
| Total domestic deposits to total assets | 75.4305% | 6,693 |
| Equity capital to assets | 10.1272% | 3,930 |
| Core capital (leverage) ratio | 9.2500% | 4,260 |
| Tier 1 risk-based capital ratio | 15.3640% | 2,884 |
| Total risk-based capital ratio | 16.6161% | 2,828 |
| Memoranda: | ||
| Average total assets | $72,395,250 | 5,969 |
| Average earning assets | $67,016,000 | 5,935 |
| Average equity | $6,848,750 | 6,375 |
| Average total loans | $36,872,750 | 6,295 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8924% | 2,620 |
| Cost of funding earning assets | 1.6572% | 5,483 |
| Net interest margin | 4.2351% | 1,864 |
| Noninterest income to average assets | 1.0157% | 1,541 |
| Noninterest expense to average assets | 3.9886% | 1,329 |
| Loan and lease loss provision to assets | 0.2064% | 4,985 |
| Net operating income to assets | 0.7460% | 3,063 |
| Return on assets (ROA) | 0.7487% | 3,158 |
| Pretax return on assets | 0.7487% | 3,835 |
| Return on Equity (ROE) | 8.1021% | 2,728 |
| Retained earnings to average equity (ytd only) | 5.4212% | 2,284 |
| Net charge-offs to loans | -0.0220% | 7,714 |
| Credit loss provision to net charge-offs | -1,875.0000% | 7,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7242% | 2,930 |
| Assets per employee ($millions) | 2.5053% | 7,235 |
| Cash dividends to net income (ytd only)* | 33.0882% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 2,654 |
| Loan loss allowance to noncurrent loans | 1,120.7547% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 6,770 |
| Noncurrent loans to loans | 0.1446% | 7,155 |
| Net loans and leases to total assets | 53.2909% | 6,534 |
| Net loans and leases to deposits | 59.5602% | 6,925 |
| Net loans and leases to core deposits | 68.7199% | 7,087 |
| Total domestic deposits to total assets | 89.4740% | 1,053 |
| Equity capital to assets | 10.0914% | 3,822 |
| Core capital (leverage) ratio | 8.1061% | 6,155 |
| Tier 1 risk-based capital ratio | 15.4844% | 2,815 |
| Total risk-based capital ratio | 16.7355% | 2,753 |
| Memoranda: | ||
| Average total assets | $72,657,330 | 6,014 |
| Average earning assets | $67,341,330 | 5,972 |
| Average equity | $6,714,330 | 6,462 |
| Average total loans | $36,391,330 | 6,383 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7314% | 3,636 |
| Cost of funding earning assets | 1.6482% | 5,820 |
| Net interest margin | 4.0832% | 2,345 |
| Noninterest income to average assets | 0.9526% | 1,630 |
| Noninterest expense to average assets | 3.6666% | 1,716 |
| Loan and lease loss provision to assets | 0.1916% | 4,520 |
| Net operating income to assets | 0.8781% | 2,805 |
| Return on assets (ROA) | 0.8781% | 2,949 |
| Pretax return on assets | 0.8781% | 3,801 |
| Return on Equity (ROE) | 9.9121% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.9085% | 2,246 |
| Net charge-offs to loans | 0.0882% | 4,285 |
| Credit loss provision to net charge-offs | 450.0000% | 1,178 |
| Earnings coverage of net charge-offs (x) | 25.1250% | 1,218 |
| Efficiency ratio | 77.4157% | 3,268 |
| Assets per employee ($millions) | 3.2301% | 5,516 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 2,815 |
| Loan loss allowance to noncurrent loans | 3,878.5714% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 6,729 |
| Noncurrent loans to loans | 0.0394% | 7,433 |
| Net loans and leases to total assets | 43.2801% | 7,392 |
| Net loans and leases to deposits | 47.4651% | 7,601 |
| Net loans and leases to core deposits | 70.9573% | 6,961 |
| Total domestic deposits to total assets | 91.1830% | 359 |
| Equity capital to assets | 8.3873% | 6,256 |
| Core capital (leverage) ratio | 7.8713% | 6,662 |
| Tier 1 risk-based capital ratio | 14.5805% | 3,270 |
| Total risk-based capital ratio | 15.8215% | 3,201 |
| Memoranda: | ||
| Average total assets | $75,165,000 | 5,969 |
| Average earning assets | $69,652,000 | 5,924 |
| Average equity | $6,658,500 | 6,527 |
| Average total loans | $36,266,500 | 6,430 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6897% | 2,064 |
| Cost of funding earning assets | 2.1284% | 5,934 |
| Net interest margin | 4.5613% | 1,285 |
| Noninterest income to average assets | 1.2359% | 977 |
| Noninterest expense to average assets | 4.1057% | 1,270 |
| Loan and lease loss provision to assets | 0.1776% | 5,121 |
| Net operating income to assets | 1.0760% | 2,234 |
| Return on assets (ROA) | 1.1322% | 1,937 |
| Pretax return on assets | 1.1322% | 2,909 |
| Return on Equity (ROE) | 11.8811% | 1,632 |
| Retained earnings to average equity (ytd only) | 3.6963% | 2,847 |
| Net charge-offs to loans | 0.3906% | 2,866 |
| Credit loss provision to net charge-offs | 88.8889% | 5,703 |
| Earnings coverage of net charge-offs (x) | 6.2741% | 3,404 |
| Efficiency ratio | 76.6087% | 3,139 |
| Assets per employee ($millions) | 2.8990% | 6,311 |
| Cash dividends to net income (ytd only)* | 68.8889% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 3,251 |
| Loan loss allowance to noncurrent loans | 547.8723% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 6,350 |
| Noncurrent loans to loans | 0.2538% | 6,621 |
| Net loans and leases to total assets | 52.4958% | 6,803 |
| Net loans and leases to deposits | 63.0579% | 6,873 |
| Net loans and leases to core deposits | 71.7908% | 7,090 |
| Total domestic deposits to total assets | 83.2502% | 3,672 |
| Equity capital to assets | 9.4054% | 4,815 |
| Core capital (leverage) ratio | 8.7050% | 5,186 |
| Tier 1 risk-based capital ratio | 14.7283% | 3,189 |
| Total risk-based capital ratio | 15.9388% | 3,128 |
| Memoranda: | ||
| Average total assets | $67,564,800 | 6,101 |
| Average earning assets | $61,078,800 | 6,129 |
| Average equity | $6,438,800 | 6,659 |
| Average total loans | $34,561,000 | 6,453 |