Home > Federation Bank > Performance and Condition Ratios
Federation 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 | 3.8972% | 4,089 |
| Cost of funding earning assets | 0.5814% | 4,097 |
| Net interest margin | 3.3158% | 2,591 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.6455% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7408% | 3,075 |
| Return on assets (ROA) | 0.7575% | 2,998 |
| Pretax return on assets | 0.7933% | 3,226 |
| Return on Equity (ROE) | 12.1900% | 1,912 |
| Retained earnings to average equity (ytd only) | 2.1465% | 3,549 |
| Net charge-offs to loans | 0.0490% | 1,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 34.0857% | 1,552 |
| Efficiency ratio | 77.3108% | 1,129 |
| Assets per employee ($millions) | 5.7828% | 3,001 |
| Cash dividends to net income (ytd only)* | 82.3883% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 540 |
| Loan loss allowance to noncurrent loans | 128.3521% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 825 |
| Noncurrent loans to loans | 1.3986% | 497 |
| Net loans and leases to total assets | 45.6300% | 3,828 |
| Net loans and leases to deposits | 51.3950% | 3,900 |
| Net loans and leases to core deposits | 52.5259% | 4,020 |
| Total domestic deposits to total assets | 88.7800% | 1,130 |
| Equity capital to assets | 7.1558% | 3,873 |
| Core capital (leverage) ratio | 9.1038% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $153,660,000 | 3,324 |
| Average earning assets | $139,151,400 | 3,353 |
| Average equity | $9,550,400 | 3,767 |
| Average total loans | $71,397,000 | 3,528 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7975% | 4,119 |
| Cost of funding earning assets | 0.5223% | 4,101 |
| Net interest margin | 3.2752% | 2,742 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.5814% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7417% | 3,198 |
| Return on assets (ROA) | 0.7638% | 3,123 |
| Pretax return on assets | 0.8000% | 3,333 |
| Return on Equity (ROE) | 12.7600% | 1,950 |
| Retained earnings to average equity (ytd only) | -0.1442% | 4,165 |
| Net charge-offs to loans | 0.0594% | 1,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 28.1563% | 1,626 |
| Efficiency ratio | 76.8499% | 1,104 |
| Assets per employee ($millions) | 5.5546% | 3,141 |
| Cash dividends to net income (ytd only)* | 101.1299% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 652 |
| Loan loss allowance to noncurrent loans | 115.9594% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 749 |
| Noncurrent loans to loans | 1.5008% | 486 |
| Net loans and leases to total assets | 49.1400% | 3,679 |
| Net loans and leases to deposits | 54.8674% | 3,756 |
| Net loans and leases to core deposits | 56.4355% | 3,837 |
| Total domestic deposits to total assets | 89.5700% | 1,046 |
| Equity capital to assets | 5.9764% | 3,995 |
| Core capital (leverage) ratio | 9.0998% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $154,486,500 | 3,332 |
| Average earning assets | $139,633,500 | 3,361 |
| Average equity | $9,248,250 | 3,795 |
| Average total loans | $71,782,250 | 3,531 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6575% | 4,186 |
| Cost of funding earning assets | 0.4542% | 4,074 |
| Net interest margin | 3.2033% | 2,989 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.5228% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7147% | 3,315 |
| Return on assets (ROA) | 0.7476% | 3,243 |
| Pretax return on assets | 0.7818% | 3,440 |
| Return on Equity (ROE) | 12.4800% | 2,017 |
| Retained earnings to average equity (ytd only) | 0.0212% | 4,065 |
| Net charge-offs to loans | 0.0782% | 800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 21.0714% | 1,731 |
| Efficiency ratio | 77.1406% | 1,079 |
| Assets per employee ($millions) | 5.5247% | 3,127 |
| Cash dividends to net income (ytd only)* | 99.8305% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7600% | 667 |
| Loan loss allowance to noncurrent loans | 126.2262% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 789 |
| Noncurrent loans to loans | 1.3943% | 501 |
| Net loans and leases to total assets | 47.1900% | 3,732 |
| Net loans and leases to deposits | 52.6608% | 3,808 |
| Net loans and leases to core deposits | 53.7995% | 3,902 |
| Total domestic deposits to total assets | 89.6000% | 1,051 |
| Equity capital to assets | 6.2500% | 4,086 |
| Core capital (leverage) ratio | 9.0048% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1640% | 1,283 |
| Memoranda: | ||
| Average total assets | $157,842,333 | 3,316 |
| Average earning assets | $142,665,667 | 3,334 |
| Average equity | $9,454,000 | 3,802 |
| Average total loans | $71,633,667 | 3,536 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5241% | 4,237 |
| Cost of funding earning assets | 0.3904% | 3,988 |
| Net interest margin | 3.1338% | 3,278 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.5552% | 2,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5722% | 3,741 |
| Return on assets (ROA) | 0.5722% | 3,709 |
| Pretax return on assets | 0.6018% | 3,833 |
| Return on Equity (ROE) | 9.7500% | 2,863 |
| Retained earnings to average equity (ytd only) | -1.1765% | 4,144 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.9375% | 769 |
| Assets per employee ($millions) | 5.9999% | 2,759 |
| Cash dividends to net income (ytd only)* | 112.0690% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 625 |
| Loan loss allowance to noncurrent loans | 127.8770% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 774 |
| Noncurrent loans to loans | 1.4316% | 461 |
| Net loans and leases to total assets | 44.3100% | 3,849 |
| Net loans and leases to deposits | 49.4488% | 3,913 |
| Net loans and leases to core deposits | 50.3992% | 3,980 |
| Total domestic deposits to total assets | 89.6000% | 1,298 |
| Equity capital to assets | 6.2129% | 4,134 |
| Core capital (leverage) ratio | 8.8376% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2078% | 1,329 |
| Memoranda: | ||
| Average total assets | $162,180,000 | 3,319 |
| Average earning assets | $146,533,500 | 3,345 |
| Average equity | $9,519,500 | 3,835 |
| Average total loans | $71,626,500 | 3,578 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2835% | 3,629 |
| Cost of funding earning assets | 0.2578% | 3,264 |
| Net interest margin | 3.0257% | 3,378 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.3406% | 2,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7602% | 3,455 |
| Return on assets (ROA) | 0.7818% | 3,326 |
| Pretax return on assets | 0.8309% | 3,547 |
| Return on Equity (ROE) | 12.2900% | 2,038 |
| Retained earnings to average equity (ytd only) | 5.5210% | 2,821 |
| Net charge-offs to loans | -0.0909% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.3412% | 1,180 |
| Assets per employee ($millions) | 6.4755% | 2,354 |
| Cash dividends to net income (ytd only)* | 55.0736% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 555 |
| Loan loss allowance to noncurrent loans | 302.6432% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 1,806 |
| Noncurrent loans to loans | 0.6232% | 1,191 |
| Net loans and leases to total assets | 42.4500% | 3,959 |
| Net loans and leases to deposits | 48.6863% | 3,948 |
| Net loans and leases to core deposits | 49.0138% | 4,016 |
| Total domestic deposits to total assets | 87.1900% | 2,331 |
| Equity capital to assets | 5.5517% | 4,228 |
| Core capital (leverage) ratio | 8.0655% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0390% | 2,356 |
| Memoranda: | ||
| Average total assets | $165,129,800 | 3,304 |
| Average earning assets | $152,033,200 | 3,308 |
| Average equity | $10,505,400 | 3,810 |
| Average total loans | $73,706,200 | 3,509 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1320% | 3,596 |
| Cost of funding earning assets | 0.2560% | 2,644 |
| Net interest margin | 2.8760% | 3,554 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.3563% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6446% | 3,712 |
| Return on assets (ROA) | 0.6735% | 3,599 |
| Pretax return on assets | 0.7027% | 3,796 |
| Return on Equity (ROE) | 10.2500% | 2,649 |
| Retained earnings to average equity (ytd only) | 2.5320% | 3,909 |
| Net charge-offs to loans | 0.0289% | 1,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 51.8125% | 1,264 |
| Efficiency ratio | 77.7927% | 932 |
| Assets per employee ($millions) | 5.9248% | 2,827 |
| Cash dividends to net income (ytd only)* | 75.3012% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 779 |
| Loan loss allowance to noncurrent loans | 178.8089% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 1,197 |
| Noncurrent loans to loans | 0.9871% | 787 |
| Net loans and leases to total assets | 44.9200% | 3,824 |
| Net loans and leases to deposits | 50.2152% | 3,842 |
| Net loans and leases to core deposits | 50.6171% | 3,919 |
| Total domestic deposits to total assets | 89.4500% | 1,895 |
| Equity capital to assets | 5.1841% | 4,241 |
| Core capital (leverage) ratio | 8.1963% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0765% | 2,032 |
| Memoranda: | ||
| Average total assets | $164,321,500 | 3,335 |
| Average earning assets | $151,550,000 | 3,337 |
| Average equity | $10,795,000 | 3,831 |
| Average total loans | $73,921,750 | 3,519 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0123% | 3,530 |
| Cost of funding earning assets | 0.2794% | 1,914 |
| Net interest margin | 2.7329% | 3,634 |
| Noninterest income to average assets | 0.3752% | 2,900 |
| Noninterest expense to average assets | 2.3068% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5688% | 3,712 |
| Return on assets (ROA) | 0.6117% | 3,543 |
| Pretax return on assets | 0.6382% | 3,735 |
| Return on Equity (ROE) | 8.7196% | 2,786 |
| Retained earnings to average equity (ytd only) | 0.7395% | 4,049 |
| Net charge-offs to loans | 0.0162% | 1,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 916 |
| Efficiency ratio | 79.5341% | 981 |
| Assets per employee ($millions) | 5.5608% | 3,161 |
| Cash dividends to net income (ytd only)* | 91.5187% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 800 |
| Loan loss allowance to noncurrent loans | 175.8108% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 1,196 |
| Noncurrent loans to loans | 1.0315% | 811 |
| Net loans and leases to total assets | 45.2406% | 3,752 |
| Net loans and leases to deposits | 51.3022% | 3,738 |
| Net loans and leases to core deposits | 51.7294% | 3,832 |
| Total domestic deposits to total assets | 88.1846% | 2,504 |
| Equity capital to assets | 5.8958% | 4,232 |
| Core capital (leverage) ratio | 8.0062% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3047% | 1,936 |
| Memoranda: | ||
| Average total assets | $165,772,333 | 3,364 |
| Average earning assets | $153,173,000 | 3,363 |
| Average equity | $11,629,000 | 3,822 |
| Average total loans | $74,180,667 | 3,550 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8509% | 3,649 |
| Cost of funding earning assets | 0.3070% | 1,586 |
| Net interest margin | 2.5439% | 3,800 |
| Noninterest income to average assets | 0.3747% | 2,846 |
| Noninterest expense to average assets | 2.2809% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4471% | 3,852 |
| Return on assets (ROA) | 0.5175% | 3,630 |
| Pretax return on assets | 0.5339% | 3,802 |
| Return on Equity (ROE) | 6.8775% | 3,075 |
| Retained earnings to average equity (ytd only) | 1.8983% | 3,575 |
| Net charge-offs to loans | 0.0053% | 1,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 435 |
| Efficiency ratio | 83.1768% | 907 |
| Assets per employee ($millions) | 5.9014% | 2,896 |
| Cash dividends to net income (ytd only)* | 72.3982% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 950 |
| Loan loss allowance to noncurrent loans | 82.3048% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 538 |
| Noncurrent loans to loans | 2.1356% | 324 |
| Net loans and leases to total assets | 44.2093% | 3,724 |
| Net loans and leases to deposits | 50.5694% | 3,685 |
| Net loans and leases to core deposits | 51.0596% | 3,800 |
| Total domestic deposits to total assets | 87.4231% | 2,775 |
| Equity capital to assets | 7.0800% | 4,174 |
| Core capital (leverage) ratio | 8.1523% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1141% | 2,153 |
| Memoranda: | ||
| Average total assets | $170,807,000 | 3,338 |
| Average earning assets | $158,966,500 | 3,338 |
| Average equity | $12,853,500 | 3,776 |
| Average total loans | $75,400,000 | 3,535 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 1,423 |
| Cost of funding earning assets | 0.3934% | 1,591 |
| Net interest margin | 3.5807% | 1,519 |
| Noninterest income to average assets | 0.4931% | 2,602 |
| Noninterest expense to average assets | 2.6002% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0721% | 2,402 |
| Return on assets (ROA) | 1.1037% | 2,341 |
| Pretax return on assets | 1.1609% | 2,787 |
| Return on Equity (ROE) | 12.7531% | 1,542 |
| Retained earnings to average equity (ytd only) | 5.3925% | 2,620 |
| Net charge-offs to loans | 0.0706% | 1,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 32.1754% | 1,556 |
| Efficiency ratio | 69.7509% | 1,767 |
| Assets per employee ($millions) | 5.8792% | 2,883 |
| Cash dividends to net income (ytd only)* | 57.7159% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 1,025 |
| Loan loss allowance to noncurrent loans | 175.4362% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 1,553 |
| Noncurrent loans to loans | 0.9746% | 1,023 |
| Net loans and leases to total assets | 42.5996% | 3,939 |
| Net loans and leases to deposits | 50.8524% | 3,826 |
| Net loans and leases to core deposits | 51.5584% | 3,922 |
| Total domestic deposits to total assets | 83.7709% | 3,620 |
| Equity capital to assets | 7.9422% | 4,394 |
| Core capital (leverage) ratio | 7.7033% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7935% | 2,933 |
| Memoranda: | ||
| Average total assets | $162,638,800 | 3,372 |
| Average earning assets | $146,925,400 | 3,404 |
| Average equity | $14,075,000 | 3,738 |
| Average total loans | $80,727,400 | 3,473 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 862 |
| Cost of funding earning assets | 0.4090% | 1,633 |
| Net interest margin | 3.9567% | 854 |
| Noninterest income to average assets | 0.5259% | 2,515 |
| Noninterest expense to average assets | 2.7159% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2855% | 1,867 |
| Return on assets (ROA) | 1.2855% | 1,927 |
| Pretax return on assets | 1.3508% | 2,488 |
| Return on Equity (ROE) | 14.5235% | 1,252 |
| Retained earnings to average equity (ytd only) | 6.8029% | 2,492 |
| Net charge-offs to loans | 0.0945% | 769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 27.8103% | 1,564 |
| Efficiency ratio | 66.7834% | 1,995 |
| Assets per employee ($millions) | 5.5064% | 3,198 |
| Cash dividends to net income (ytd only)* | 53.1596% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 1,080 |
| Loan loss allowance to noncurrent loans | 170.9424% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 1,644 |
| Noncurrent loans to loans | 1.0045% | 1,144 |
| Net loans and leases to total assets | 45.2507% | 3,853 |
| Net loans and leases to deposits | 54.6278% | 3,687 |
| Net loans and leases to core deposits | 55.4459% | 3,816 |
| Total domestic deposits to total assets | 82.8346% | 3,750 |
| Equity capital to assets | 8.8230% | 3,982 |
| Core capital (leverage) ratio | 8.2517% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2482% | 2,630 |
| Memoranda: | ||
| Average total assets | $159,204,750 | 3,438 |
| Average earning assets | $142,473,750 | 3,484 |
| Average equity | $14,091,750 | 3,779 |
| Average total loans | $81,798,750 | 3,490 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 1,239 |
| Cost of funding earning assets | 0.4357% | 1,609 |
| Net interest margin | 3.7297% | 1,274 |
| Noninterest income to average assets | 0.5725% | 2,326 |
| Noninterest expense to average assets | 2.7887% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0216% | 2,818 |
| Return on assets (ROA) | 1.0216% | 2,896 |
| Pretax return on assets | 1.0725% | 3,292 |
| Return on Equity (ROE) | 11.5285% | 2,220 |
| Retained earnings to average equity (ytd only) | 2.5124% | 3,997 |
| Net charge-offs to loans | 0.0812% | 862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 24.7941% | 1,427 |
| Efficiency ratio | 72.2241% | 1,415 |
| Assets per employee ($millions) | 5.1057% | 3,554 |
| Cash dividends to net income (ytd only)* | 78.2067% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 1,119 |
| Loan loss allowance to noncurrent loans | 81.8462% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 726 |
| Noncurrent loans to loans | 2.0438% | 469 |
| Net loans and leases to total assets | 49.3935% | 3,617 |
| Net loans and leases to deposits | 60.1770% | 3,379 |
| Net loans and leases to core deposits | 61.1246% | 3,531 |
| Total domestic deposits to total assets | 82.0803% | 3,909 |
| Equity capital to assets | 8.7713% | 3,994 |
| Core capital (leverage) ratio | 8.0237% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,208,667 | 3,457 |
| Average earning assets | $138,617,667 | 3,530 |
| Average equity | $13,930,667 | 3,801 |
| Average total loans | $83,712,667 | 3,483 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 2,364 |
| Cost of funding earning assets | 0.4608% | 1,647 |
| Net interest margin | 3.2368% | 2,582 |
| Noninterest income to average assets | 0.6919% | 1,893 |
| Noninterest expense to average assets | 2.6092% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9242% | 3,066 |
| Return on assets (ROA) | 0.9242% | 3,139 |
| Pretax return on assets | 0.9702% | 3,455 |
| Return on Equity (ROE) | 10.3766% | 2,571 |
| Retained earnings to average equity (ytd only) | 1.6052% | 4,096 |
| Net charge-offs to loans | 0.1398% | 536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 1,420 |
| Efficiency ratio | 72.8959% | 1,414 |
| Assets per employee ($millions) | 5.1140% | 3,518 |
| Cash dividends to net income (ytd only)* | 84.5304% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 1,379 |
| Loan loss allowance to noncurrent loans | 88.3444% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9525% | 881 |
| Noncurrent loans to loans | 1.7737% | 663 |
| Net loans and leases to total assets | 52.8600% | 3,365 |
| Net loans and leases to deposits | 63.5193% | 3,169 |
| Net loans and leases to core deposits | 64.7607% | 3,343 |
| Total domestic deposits to total assets | 83.2187% | 3,635 |
| Equity capital to assets | 8.7230% | 3,940 |
| Core capital (leverage) ratio | 8.3399% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,674,000 | 3,470 |
| Average earning assets | $139,768,500 | 3,518 |
| Average equity | $13,954,500 | 3,797 |
| Average total loans | $85,814,500 | 3,472 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 1,653 |
| Cost of funding earning assets | 0.6690% | 1,878 |
| Net interest margin | 3.7065% | 1,776 |
| Noninterest income to average assets | 0.4877% | 2,683 |
| Noninterest expense to average assets | 2.7392% | 2,120 |
| Loan and lease loss provision to assets | 0.1814% | 2,128 |
| Net operating income to assets | 0.8744% | 2,812 |
| Return on assets (ROA) | 0.8951% | 2,855 |
| Pretax return on assets | 0.9363% | 3,262 |
| Return on Equity (ROE) | 9.4849% | 2,200 |
| Retained earnings to average equity (ytd only) | 3.0014% | 3,354 |
| Net charge-offs to loans | 0.1491% | 1,096 |
| Credit loss provision to net charge-offs | 185.7143% | 2,234 |
| Earnings coverage of net charge-offs (x) | 11.2214% | 2,412 |
| Efficiency ratio | 71.4208% | 1,756 |
| Assets per employee ($millions) | 4.9940% | 3,397 |
| Cash dividends to net income (ytd only)* | 68.3554% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,364 |
| Loan loss allowance to noncurrent loans | 70.3455% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 663 |
| Noncurrent loans to loans | 2.2418% | 477 |
| Net loans and leases to total assets | 54.9886% | 3,390 |
| Net loans and leases to deposits | 67.0188% | 3,182 |
| Net loans and leases to core deposits | 68.3742% | 3,386 |
| Total domestic deposits to total assets | 82.0494% | 3,650 |
| Equity capital to assets | 9.0948% | 3,975 |
| Core capital (leverage) ratio | 8.3022% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,328,000 | 3,477 |
| Average earning assets | $129,447,600 | 3,513 |
| Average equity | $13,526,800 | 3,810 |
| Average total loans | $93,882,000 | 3,342 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 1,547 |
| Cost of funding earning assets | 0.7051% | 1,998 |
| Net interest margin | 3.8044% | 1,607 |
| Noninterest income to average assets | 0.4708% | 2,739 |
| Noninterest expense to average assets | 2.8222% | 1,908 |
| Loan and lease loss provision to assets | 0.2471% | 1,642 |
| Net operating income to assets | 0.7873% | 3,145 |
| Return on assets (ROA) | 0.7955% | 3,225 |
| Pretax return on assets | 0.8316% | 3,569 |
| Return on Equity (ROE) | 8.3453% | 2,672 |
| Retained earnings to average equity (ytd only) | 0.6274% | 4,351 |
| Net charge-offs to loans | 0.2145% | 711 |
| Credit loss provision to net charge-offs | 168.8312% | 2,235 |
| Earnings coverage of net charge-offs (x) | 7.3182% | 2,585 |
| Efficiency ratio | 72.5122% | 1,581 |
| Assets per employee ($millions) | 4.7240% | 3,571 |
| Cash dividends to net income (ytd only)* | 92.4821% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,503 |
| Loan loss allowance to noncurrent loans | 48.5437% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.8990% | 369 |
| Noncurrent loans to loans | 3.0063% | 305 |
| Net loans and leases to total assets | 62.2461% | 2,978 |
| Net loans and leases to deposits | 76.1052% | 2,742 |
| Net loans and leases to core deposits | 78.2897% | 2,981 |
| Total domestic deposits to total assets | 81.7895% | 3,475 |
| Equity capital to assets | 9.3839% | 3,781 |
| Core capital (leverage) ratio | 8.6268% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,456,500 | 3,492 |
| Average earning assets | $126,307,750 | 3,535 |
| Average equity | $13,388,500 | 3,832 |
| Average total loans | $95,729,000 | 3,309 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 1,535 |
| Cost of funding earning assets | 0.7488% | 2,129 |
| Net interest margin | 3.9012% | 1,568 |
| Noninterest income to average assets | 0.4507% | 2,804 |
| Noninterest expense to average assets | 2.8181% | 2,051 |
| Loan and lease loss provision to assets | 0.3033% | 1,420 |
| Net operating income to assets | 0.8074% | 3,020 |
| Return on assets (ROA) | 0.8074% | 3,132 |
| Pretax return on assets | 0.8436% | 3,464 |
| Return on Equity (ROE) | 8.4246% | 2,591 |
| Retained earnings to average equity (ytd only) | -0.1507% | 4,336 |
| Net charge-offs to loans | 0.0599% | 1,650 |
| Credit loss provision to net charge-offs | 724.1379% | 981 |
| Earnings coverage of net charge-offs (x) | 27.3793% | 1,493 |
| Efficiency ratio | 71.0747% | 1,813 |
| Assets per employee ($millions) | 4.5027% | 3,786 |
| Cash dividends to net income (ytd only)* | 101.7889% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,351 |
| Loan loss allowance to noncurrent loans | 68.8739% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 634 |
| Noncurrent loans to loans | 2.1360% | 598 |
| Net loans and leases to total assets | 68.3751% | 2,290 |
| Net loans and leases to deposits | 84.3669% | 1,958 |
| Net loans and leases to core deposits | 87.7432% | 2,274 |
| Total domestic deposits to total assets | 81.0450% | 3,593 |
| Equity capital to assets | 9.7648% | 3,410 |
| Core capital (leverage) ratio | 8.6404% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,461,000 | 3,497 |
| Average earning assets | $124,730,667 | 3,535 |
| Average equity | $13,270,667 | 3,844 |
| Average total loans | $96,803,667 | 3,288 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 1,417 |
| Cost of funding earning assets | 0.8065% | 2,346 |
| Net interest margin | 3.9935% | 1,408 |
| Noninterest income to average assets | 0.4496% | 2,788 |
| Noninterest expense to average assets | 2.8310% | 2,338 |
| Loan and lease loss provision to assets | 0.1740% | 1,696 |
| Net operating income to assets | 0.9630% | 2,307 |
| Return on assets (ROA) | 0.9630% | 2,409 |
| Pretax return on assets | 1.0065% | 2,825 |
| Return on Equity (ROE) | 10.1444% | 1,698 |
| Retained earnings to average equity (ytd only) | 3.0861% | 3,044 |
| Net charge-offs to loans | -0.0537% | 4,658 |
| Credit loss provision to net charge-offs | -461.5385% | 3,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5712% | 2,270 |
| Assets per employee ($millions) | 4.4824% | 3,279 |
| Cash dividends to net income (ytd only)* | 69.5783% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 1,926 |
| Loan loss allowance to noncurrent loans | 112.9503% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 1,600 |
| Noncurrent loans to loans | 1.1929% | 1,371 |
| Net loans and leases to total assets | 69.3963% | 2,338 |
| Net loans and leases to deposits | 84.9670% | 2,111 |
| Net loans and leases to core deposits | 88.3413% | 2,495 |
| Total domestic deposits to total assets | 81.6745% | 3,503 |
| Equity capital to assets | 9.3477% | 4,354 |
| Core capital (leverage) ratio | 9.0698% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,900,000 | 3,482 |
| Average earning assets | $123,000,000 | 3,534 |
| Average equity | $13,091,000 | 3,874 |
| Average total loans | $96,773,000 | 3,266 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9342% | 1,650 |
| Cost of funding earning assets | 0.8368% | 2,502 |
| Net interest margin | 4.0974% | 1,548 |
| Noninterest income to average assets | 0.5105% | 2,675 |
| Noninterest expense to average assets | 2.8456% | 2,456 |
| Loan and lease loss provision to assets | 0.3838% | 385 |
| Net operating income to assets | 0.9152% | 3,148 |
| Return on assets (ROA) | 0.9189% | 3,204 |
| Pretax return on assets | 0.9572% | 3,582 |
| Return on Equity (ROE) | 9.5900% | 2,483 |
| Retained earnings to average equity (ytd only) | 4.2622% | 2,828 |
| Net charge-offs to loans | 0.3082% | 674 |
| Credit loss provision to net charge-offs | 173.0104% | 1,499 |
| Earnings coverage of net charge-offs (x) | 6.0277% | 3,016 |
| Efficiency ratio | 68.0308% | 2,452 |
| Assets per employee ($millions) | 4.4144% | 3,356 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 1,931 |
| Loan loss allowance to noncurrent loans | 165.2058% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 2,243 |
| Noncurrent loans to loans | 0.7860% | 1,935 |
| Net loans and leases to total assets | 69.0966% | 2,532 |
| Net loans and leases to deposits | 85.2178% | 2,185 |
| Net loans and leases to core deposits | 89.7831% | 2,447 |
| Total domestic deposits to total assets | 81.0824% | 3,747 |
| Equity capital to assets | 9.6408% | 4,229 |
| Core capital (leverage) ratio | 8.8159% | 4,658 |
| Tier 1 risk-based capital ratio | 10.6747% | 4,963 |
| Total risk-based capital ratio | 11.7844% | 4,933 |
| Memoranda: | ||
| Average total assets | $130,269,800 | 3,563 |
| Average earning assets | $116,757,200 | 3,606 |
| Average equity | $12,481,800 | 3,938 |
| Average total loans | $93,764,800 | 3,325 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 1,801 |
| Cost of funding earning assets | 0.8084% | 2,671 |
| Net interest margin | 4.0985% | 1,617 |
| Noninterest income to average assets | 0.5038% | 2,707 |
| Noninterest expense to average assets | 2.9014% | 2,264 |
| Loan and lease loss provision to assets | 0.4561% | 275 |
| Net operating income to assets | 0.7880% | 3,709 |
| Return on assets (ROA) | 0.7930% | 3,769 |
| Pretax return on assets | 0.8251% | 4,060 |
| Return on Equity (ROE) | 8.2897% | 3,196 |
| Retained earnings to average equity (ytd only) | 1.3329% | 4,482 |
| Net charge-offs to loans | 0.4103% | 407 |
| Credit loss provision to net charge-offs | 153.3101% | 1,604 |
| Earnings coverage of net charge-offs (x) | 4.2892% | 3,024 |
| Efficiency ratio | 69.4541% | 2,195 |
| Assets per employee ($millions) | 4.4746% | 3,251 |
| Cash dividends to net income (ytd only)* | 83.9221% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,339 |
| Loan loss allowance to noncurrent loans | 123.1568% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 1,905 |
| Noncurrent loans to loans | 0.9976% | 1,601 |
| Net loans and leases to total assets | 71.0303% | 2,317 |
| Net loans and leases to deposits | 87.7717% | 1,965 |
| Net loans and leases to core deposits | 91.6297% | 2,400 |
| Total domestic deposits to total assets | 80.9263% | 3,781 |
| Equity capital to assets | 9.3849% | 4,538 |
| Core capital (leverage) ratio | 8.8163% | 4,763 |
| Tier 1 risk-based capital ratio | 10.4087% | 5,102 |
| Total risk-based capital ratio | 11.4922% | 5,067 |
| Memoranda: | ||
| Average total assets | $128,625,750 | 3,623 |
| Average earning assets | $115,291,250 | 3,661 |
| Average equity | $12,304,000 | 3,995 |
| Average total loans | $93,256,000 | 3,372 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 1,852 |
| Cost of funding earning assets | 0.7696% | 2,808 |
| Net interest margin | 4.0977% | 1,613 |
| Noninterest income to average assets | 0.4797% | 2,783 |
| Noninterest expense to average assets | 2.9174% | 2,236 |
| Loan and lease loss provision to assets | 0.4734% | 251 |
| Net operating income to assets | 0.7403% | 3,865 |
| Return on assets (ROA) | 0.7479% | 3,903 |
| Pretax return on assets | 0.7763% | 4,148 |
| Return on Equity (ROE) | 7.7667% | 3,396 |
| Retained earnings to average equity (ytd only) | 0.2458% | 4,627 |
| Net charge-offs to loans | 0.6163% | 248 |
| Credit loss provision to net charge-offs | 105.6338% | 1,889 |
| Earnings coverage of net charge-offs (x) | 2.7711% | 2,903 |
| Efficiency ratio | 70.1442% | 2,203 |
| Assets per employee ($millions) | 4.1440% | 3,662 |
| Cash dividends to net income (ytd only)* | 96.8354% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,073 |
| Loan loss allowance to noncurrent loans | 90.9012% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 1,546 |
| Noncurrent loans to loans | 1.2088% | 1,324 |
| Net loans and leases to total assets | 73.4945% | 1,965 |
| Net loans and leases to deposits | 91.8916% | 1,501 |
| Net loans and leases to core deposits | 95.1457% | 2,142 |
| Total domestic deposits to total assets | 79.9796% | 4,046 |
| Equity capital to assets | 9.6844% | 4,244 |
| Core capital (leverage) ratio | 8.9078% | 4,709 |
| Tier 1 risk-based capital ratio | 10.4095% | 5,135 |
| Total risk-based capital ratio | 11.3773% | 5,142 |
| Memoranda: | ||
| Average total assets | $126,755,330 | 3,668 |
| Average earning assets | $113,820,330 | 3,707 |
| Average equity | $12,206,000 | 4,015 |
| Average total loans | $92,163,000 | 3,407 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7416% | 2,078 |
| Cost of funding earning assets | 0.7036% | 3,033 |
| Net interest margin | 4.0380% | 1,719 |
| Noninterest income to average assets | 0.3781% | 3,335 |
| Noninterest expense to average assets | 2.8371% | 2,454 |
| Loan and lease loss provision to assets | 0.1906% | 853 |
| Net operating income to assets | 0.9404% | 3,087 |
| Return on assets (ROA) | 0.9404% | 3,129 |
| Pretax return on assets | 0.9785% | 3,514 |
| Return on Equity (ROE) | 9.7944% | 2,450 |
| Retained earnings to average equity (ytd only) | 4.0038% | 3,312 |
| Net charge-offs to loans | 0.0530% | 1,528 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,319 |
| Efficiency ratio | 70.8168% | 2,218 |
| Assets per employee ($millions) | 4.3356% | 3,444 |
| Cash dividends to net income (ytd only)* | 59.1216% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 2,786 |
| Loan loss allowance to noncurrent loans | 71.9894% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.1555% | 1,176 |
| Noncurrent loans to loans | 1.6135% | 980 |
| Net loans and leases to total assets | 70.7845% | 2,365 |
| Net loans and leases to deposits | 88.0974% | 1,860 |
| Net loans and leases to core deposits | 91.1628% | 2,382 |
| Total domestic deposits to total assets | 80.3480% | 4,106 |
| Equity capital to assets | 9.4335% | 4,318 |
| Core capital (leverage) ratio | 9.2845% | 4,381 |
| Tier 1 risk-based capital ratio | 10.6616% | 5,126 |
| Total risk-based capital ratio | 11.6758% | 5,111 |
| Memoranda: | ||
| Average total assets | $125,901,000 | 3,711 |
| Average earning assets | $113,126,500 | 3,764 |
| Average equity | $12,088,500 | 4,048 |
| Average total loans | $90,513,000 | 3,479 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 2,463 |
| Cost of funding earning assets | 0.4150% | 3,897 |
| Net interest margin | 4.0836% | 1,736 |
| Noninterest income to average assets | 0.5440% | 2,586 |
| Noninterest expense to average assets | 2.9889% | 2,072 |
| Loan and lease loss provision to assets | 0.1173% | 1,874 |
| Net operating income to assets | 1.0375% | 2,856 |
| Return on assets (ROA) | 1.0352% | 2,850 |
| Pretax return on assets | 1.0888% | 3,316 |
| Return on Equity (ROE) | 10.6904% | 2,211 |
| Retained earnings to average equity (ytd only) | 5.2543% | 2,624 |
| Net charge-offs to loans | -0.0037% | 4,303 |
| Credit loss provision to net charge-offs | -4,666.6667% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2061% | 2,016 |
| Assets per employee ($millions) | 4.0578% | 3,813 |
| Cash dividends to net income (ytd only)* | 50.8502% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,683 |
| Loan loss allowance to noncurrent loans | 82.2593% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 1,320 |
| Noncurrent loans to loans | 1.4304% | 1,089 |
| Net loans and leases to total assets | 71.3375% | 2,372 |
| Net loans and leases to deposits | 89.2316% | 1,902 |
| Net loans and leases to core deposits | 90.4746% | 2,530 |
| Total domestic deposits to total assets | 79.9464% | 4,120 |
| Equity capital to assets | 9.7812% | 3,877 |
| Core capital (leverage) ratio | 9.4666% | 4,151 |
| Tier 1 risk-based capital ratio | 11.0538% | 4,954 |
| Total risk-based capital ratio | 12.0696% | 4,946 |
| Memoranda: | ||
| Average total assets | $119,306,200 | 3,796 |
| Average earning assets | $106,743,400 | 3,861 |
| Average equity | $11,552,400 | 4,083 |
| Average total loans | $80,609,800 | 3,657 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 2,588 |
| Cost of funding earning assets | 0.3705% | 4,043 |
| Net interest margin | 4.0415% | 1,818 |
| Noninterest income to average assets | 0.5122% | 2,789 |
| Noninterest expense to average assets | 2.9115% | 2,272 |
| Loan and lease loss provision to assets | 0.0899% | 2,182 |
| Net operating income to assets | 1.0581% | 2,833 |
| Return on assets (ROA) | 1.0581% | 2,843 |
| Pretax return on assets | 1.1131% | 3,342 |
| Return on Equity (ROE) | 10.9560% | 2,200 |
| Retained earnings to average equity (ytd only) | 3.6636% | 3,936 |
| Net charge-offs to loans | -0.0102% | 4,409 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7617% | 2,080 |
| Assets per employee ($millions) | 3.9909% | 3,905 |
| Cash dividends to net income (ytd only)* | 66.5605% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,710 |
| Loan loss allowance to noncurrent loans | 113.0939% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 2,053 |
| Noncurrent loans to loans | 1.0481% | 1,627 |
| Net loans and leases to total assets | 67.9540% | 2,950 |
| Net loans and leases to deposits | 82.2084% | 2,791 |
| Net loans and leases to core deposits | 83.1451% | 3,234 |
| Total domestic deposits to total assets | 82.6607% | 3,416 |
| Equity capital to assets | 9.5709% | 4,018 |
| Core capital (leverage) ratio | 9.5601% | 4,099 |
| Tier 1 risk-based capital ratio | 10.9426% | 5,065 |
| Total risk-based capital ratio | 11.9184% | 5,095 |
| Memoranda: | ||
| Average total assets | $118,699,250 | 3,847 |
| Average earning assets | $105,799,250 | 3,917 |
| Average equity | $11,463,750 | 4,131 |
| Average total loans | $78,793,250 | 3,720 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 2,562 |
| Cost of funding earning assets | 0.3524% | 4,062 |
| Net interest margin | 4.0030% | 1,851 |
| Noninterest income to average assets | 0.5188% | 2,753 |
| Noninterest expense to average assets | 2.8862% | 2,390 |
| Loan and lease loss provision to assets | 0.1014% | 1,921 |
| Net operating income to assets | 1.0477% | 2,819 |
| Return on assets (ROA) | 1.0477% | 2,814 |
| Pretax return on assets | 1.1018% | 3,306 |
| Return on Equity (ROE) | 10.8152% | 2,188 |
| Retained earnings to average equity (ytd only) | 2.3549% | 4,337 |
| Net charge-offs to loans | -0.0155% | 4,469 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5785% | 2,227 |
| Assets per employee ($millions) | 3.7450% | 4,288 |
| Cash dividends to net income (ytd only)* | 78.2258% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,573 |
| Loan loss allowance to noncurrent loans | 109.2571% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 1,975 |
| Noncurrent loans to loans | 1.1219% | 1,568 |
| Net loans and leases to total assets | 66.3537% | 3,087 |
| Net loans and leases to deposits | 79.2482% | 3,026 |
| Net loans and leases to core deposits | 79.8743% | 3,430 |
| Total domestic deposits to total assets | 83.7290% | 3,162 |
| Equity capital to assets | 9.7876% | 3,831 |
| Core capital (leverage) ratio | 9.3190% | 4,340 |
| Tier 1 risk-based capital ratio | 11.4757% | 4,794 |
| Total risk-based capital ratio | 12.4953% | 4,825 |
| Memoranda: | ||
| Average total assets | $118,356,330 | 3,884 |
| Average earning assets | $105,572,000 | 3,955 |
| Average equity | $11,465,330 | 4,166 |
| Average total loans | $77,612,330 | 3,761 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 2,520 |
| Cost of funding earning assets | 0.3459% | 4,023 |
| Net interest margin | 3.9519% | 1,865 |
| Noninterest income to average assets | 0.5390% | 2,582 |
| Noninterest expense to average assets | 2.8254% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1683% | 2,143 |
| Return on assets (ROA) | 1.1683% | 2,155 |
| Pretax return on assets | 1.2319% | 2,628 |
| Return on Equity (ROE) | 12.1217% | 1,538 |
| Retained earnings to average equity (ytd only) | 4.3069% | 3,463 |
| Net charge-offs to loans | -0.0207% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6370% | 2,543 |
| Assets per employee ($millions) | 3.9750% | 4,022 |
| Cash dividends to net income (ytd only)* | 64.4699% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 3,088 |
| Loan loss allowance to noncurrent loans | 88.7674% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 1,875 |
| Noncurrent loans to loans | 1.2969% | 1,385 |
| Net loans and leases to total assets | 64.3005% | 3,271 |
| Net loans and leases to deposits | 75.7421% | 3,241 |
| Net loans and leases to core deposits | 77.1038% | 3,564 |
| Total domestic deposits to total assets | 84.8940% | 2,975 |
| Equity capital to assets | 9.5764% | 4,016 |
| Core capital (leverage) ratio | 9.3040% | 4,320 |
| Tier 1 risk-based capital ratio | 11.3979% | 4,923 |
| Total risk-based capital ratio | 12.3457% | 4,987 |
| Memoranda: | ||
| Average total assets | $119,486,500 | 3,908 |
| Average earning assets | $106,380,000 | 3,981 |
| Average equity | $11,516,500 | 4,190 |
| Average total loans | $77,423,500 | 3,800 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 2,736 |
| Cost of funding earning assets | 0.3424% | 3,777 |
| Net interest margin | 3.8446% | 2,276 |
| Noninterest income to average assets | 0.5532% | 2,699 |
| Noninterest expense to average assets | 2.8239% | 2,697 |
| Loan and lease loss provision to assets | 0.0427% | 3,392 |
| Net operating income to assets | 1.0474% | 2,063 |
| Return on assets (ROA) | 1.0482% | 2,088 |
| Pretax return on assets | 1.0952% | 3,205 |
| Return on Equity (ROE) | 10.8312% | 1,545 |
| Retained earnings to average equity (ytd only) | 6.3785% | 1,339 |
| Net charge-offs to loans | 0.0439% | 2,914 |
| Credit loss provision to net charge-offs | 156.2500% | 1,710 |
| Earnings coverage of net charge-offs (x) | 41.5625% | 1,229 |
| Efficiency ratio | 71.2929% | 2,337 |
| Assets per employee ($millions) | 3.8620% | 4,180 |
| Cash dividends to net income (ytd only)* | 41.1093% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 3,046 |
| Loan loss allowance to noncurrent loans | 135.6707% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 2,731 |
| Noncurrent loans to loans | 0.8489% | 2,095 |
| Net loans and leases to total assets | 63.8020% | 3,389 |
| Net loans and leases to deposits | 77.0756% | 3,220 |
| Net loans and leases to core deposits | 78.7734% | 3,525 |
| Total domestic deposits to total assets | 82.7784% | 3,635 |
| Equity capital to assets | 9.7000% | 4,030 |
| Core capital (leverage) ratio | 9.1466% | 4,465 |
| Tier 1 risk-based capital ratio | 11.3556% | 4,945 |
| Total risk-based capital ratio | 12.3037% | 5,000 |
| Memoranda: | ||
| Average total assets | $116,965,000 | 3,947 |
| Average earning assets | $103,679,000 | 4,032 |
| Average equity | $11,319,200 | 4,251 |
| Average total loans | $72,938,600 | 3,898 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 2,758 |
| Cost of funding earning assets | 0.3409% | 3,764 |
| Net interest margin | 3.8187% | 2,326 |
| Noninterest income to average assets | 0.5561% | 2,695 |
| Noninterest expense to average assets | 2.8311% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0584% | 2,291 |
| Return on assets (ROA) | 1.0595% | 2,322 |
| Pretax return on assets | 1.1042% | 3,283 |
| Return on Equity (ROE) | 10.9550% | 1,720 |
| Retained earnings to average equity (ytd only) | 5.0032% | 2,885 |
| Net charge-offs to loans | 0.0612% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 29.1507% | 1,584 |
| Efficiency ratio | 71.9615% | 2,209 |
| Assets per employee ($millions) | 3.7239% | 4,416 |
| Cash dividends to net income (ytd only)* | 54.3292% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,492 |
| Loan loss allowance to noncurrent loans | 106.8790% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6800% | 2,456 |
| Noncurrent loans to loans | 1.0274% | 1,888 |
| Net loans and leases to total assets | 65.4614% | 3,180 |
| Net loans and leases to deposits | 78.1821% | 3,144 |
| Net loans and leases to core deposits | 79.9437% | 3,456 |
| Total domestic deposits to total assets | 83.7295% | 3,219 |
| Equity capital to assets | 10.0189% | 3,890 |
| Core capital (leverage) ratio | 9.2194% | 4,496 |
| Tier 1 risk-based capital ratio | 11.2410% | 5,112 |
| Total risk-based capital ratio | 12.1503% | 5,191 |
| Memoranda: | ||
| Average total assets | $116,275,750 | 3,995 |
| Average earning assets | $102,860,250 | 4,093 |
| Average equity | $11,245,750 | 4,309 |
| Average total loans | $71,854,500 | 3,956 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 2,749 |
| Cost of funding earning assets | 0.3417% | 3,670 |
| Net interest margin | 3.7827% | 2,352 |
| Noninterest income to average assets | 0.5560% | 2,682 |
| Noninterest expense to average assets | 2.8347% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0038% | 2,410 |
| Return on assets (ROA) | 1.0021% | 2,456 |
| Pretax return on assets | 1.0433% | 3,393 |
| Return on Equity (ROE) | 10.4857% | 1,835 |
| Retained earnings to average equity (ytd only) | 4.1655% | 3,228 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0650% | 2,176 |
| Assets per employee ($millions) | 3.7402% | 4,371 |
| Cash dividends to net income (ytd only)* | 60.2740% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,983 |
| Loan loss allowance to noncurrent loans | 78.3468% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.9599% | 1,825 |
| Noncurrent loans to loans | 1.5382% | 1,212 |
| Net loans and leases to total assets | 61.6554% | 3,671 |
| Net loans and leases to deposits | 74.1820% | 3,527 |
| Net loans and leases to core deposits | 75.8169% | 3,792 |
| Total domestic deposits to total assets | 83.1137% | 3,532 |
| Equity capital to assets | 9.8736% | 4,053 |
| Core capital (leverage) ratio | 8.9698% | 4,758 |
| Tier 1 risk-based capital ratio | 11.1732% | 5,165 |
| Total risk-based capital ratio | 12.1301% | 5,230 |
| Memoranda: | ||
| Average total assets | $116,553,670 | 4,016 |
| Average earning assets | $102,414,670 | 4,125 |
| Average equity | $11,139,000 | 4,341 |
| Average total loans | $70,336,330 | 4,004 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 2,857 |
| Cost of funding earning assets | 0.3511% | 3,522 |
| Net interest margin | 3.6978% | 2,491 |
| Noninterest income to average assets | 0.5237% | 2,810 |
| Noninterest expense to average assets | 2.7692% | 2,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9619% | 2,470 |
| Return on assets (ROA) | 0.9619% | 2,527 |
| Pretax return on assets | 0.9995% | 3,373 |
| Return on Equity (ROE) | 10.2326% | 1,856 |
| Retained earnings to average equity (ytd only) | 6.0813% | 2,287 |
| Net charge-offs to loans | -0.0058% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4787% | 2,326 |
| Assets per employee ($millions) | 3.7433% | 4,429 |
| Cash dividends to net income (ytd only)* | 40.5694% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,758 |
| Loan loss allowance to noncurrent loans | 76.7810% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9798% | 1,871 |
| Noncurrent loans to loans | 1.6406% | 1,181 |
| Net loans and leases to total assets | 58.9705% | 3,888 |
| Net loans and leases to deposits | 69.9093% | 3,803 |
| Net loans and leases to core deposits | 71.3854% | 4,041 |
| Total domestic deposits to total assets | 84.3529% | 3,342 |
| Equity capital to assets | 9.6052% | 4,178 |
| Core capital (leverage) ratio | 9.0366% | 4,690 |
| Tier 1 risk-based capital ratio | 11.3341% | 5,124 |
| Total risk-based capital ratio | 12.3127% | 5,178 |
| Memoranda: | ||
| Average total assets | $116,857,500 | 4,045 |
| Average earning assets | $102,548,500 | 4,164 |
| Average equity | $10,984,500 | 4,390 |
| Average total loans | $69,325,000 | 4,070 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 2,279 |
| Cost of funding earning assets | 0.4285% | 2,722 |
| Net interest margin | 3.8305% | 2,209 |
| Noninterest income to average assets | 0.8085% | 1,721 |
| Noninterest expense to average assets | 2.8207% | 2,955 |
| Loan and lease loss provision to assets | 0.1315% | 1,895 |
| Net operating income to assets | 1.1717% | 1,598 |
| Return on assets (ROA) | 1.1961% | 1,612 |
| Pretax return on assets | 1.2550% | 2,451 |
| Return on Equity (ROE) | 12.4520% | 1,130 |
| Retained earnings to average equity (ytd only) | 2.3909% | 4,164 |
| Net charge-offs to loans | 0.0114% | 3,888 |
| Credit loss provision to net charge-offs | 1,925.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 199.2500% | 343 |
| Efficiency ratio | 67.4561% | 3,355 |
| Assets per employee ($millions) | 3.7959% | 4,317 |
| Cash dividends to net income (ytd only)* | 80.7994% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,775 |
| Loan loss allowance to noncurrent loans | 79.9267% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 2,045 |
| Noncurrent loans to loans | 1.5732% | 1,255 |
| Net loans and leases to total assets | 58.1904% | 4,052 |
| Net loans and leases to deposits | 69.5432% | 3,952 |
| Net loans and leases to core deposits | 70.5273% | 4,198 |
| Total domestic deposits to total assets | 83.6752% | 3,548 |
| Equity capital to assets | 9.1974% | 4,585 |
| Core capital (leverage) ratio | 8.4618% | 5,299 |
| Tier 1 risk-based capital ratio | 10.9454% | 5,370 |
| Total risk-based capital ratio | 11.9060% | 5,424 |
| Memoranda: | ||
| Average total assets | $117,135,000 | 4,044 |
| Average earning assets | $103,146,800 | 4,134 |
| Average equity | $11,251,200 | 4,389 |
| Average total loans | $69,946,000 | 4,045 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 1,977 |
| Cost of funding earning assets | 0.4433% | 2,611 |
| Net interest margin | 3.9171% | 1,918 |
| Noninterest income to average assets | 0.8809% | 1,470 |
| Noninterest expense to average assets | 2.8307% | 2,905 |
| Loan and lease loss provision to assets | 0.0627% | 2,982 |
| Net operating income to assets | 1.3749% | 1,116 |
| Return on assets (ROA) | 1.4074% | 1,109 |
| Pretax return on assets | 1.4757% | 1,787 |
| Return on Equity (ROE) | 14.4972% | 739 |
| Retained earnings to average equity (ytd only) | 1.3264% | 4,984 |
| Net charge-offs to loans | -0.0038% | 4,568 |
| Credit loss provision to net charge-offs | -2,750.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2997% | 3,712 |
| Assets per employee ($millions) | 3.7488% | 4,391 |
| Cash dividends to net income (ytd only)* | 90.8498% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,665 |
| Loan loss allowance to noncurrent loans | 106.0976% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 3,001 |
| Noncurrent loans to loans | 1.0673% | 2,113 |
| Net loans and leases to total assets | 58.8260% | 4,011 |
| Net loans and leases to deposits | 70.6495% | 3,922 |
| Net loans and leases to core deposits | 71.4425% | 4,211 |
| Total domestic deposits to total assets | 83.2645% | 3,494 |
| Equity capital to assets | 9.8448% | 4,305 |
| Core capital (leverage) ratio | 8.7636% | 5,085 |
| Tier 1 risk-based capital ratio | 11.0734% | 5,339 |
| Total risk-based capital ratio | 11.9563% | 5,430 |
| Memoranda: | ||
| Average total assets | $117,000,250 | 4,071 |
| Average earning assets | $103,168,500 | 4,162 |
| Average equity | $11,358,250 | 4,403 |
| Average total loans | $70,095,750 | 4,073 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 1,387 |
| Cost of funding earning assets | 0.4092% | 2,946 |
| Net interest margin | 4.1406% | 1,254 |
| Noninterest income to average assets | 0.9722% | 1,196 |
| Noninterest expense to average assets | 2.7937% | 3,051 |
| Loan and lease loss provision to assets | 0.0853% | 2,444 |
| Net operating income to assets | 1.6706% | 612 |
| Return on assets (ROA) | 1.7192% | 593 |
| Pretax return on assets | 1.8028% | 877 |
| Return on Equity (ROE) | 17.7924% | 374 |
| Retained earnings to average equity (ytd only) | 0.6001% | 5,126 |
| Net charge-offs to loans | -0.0028% | 4,415 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3315% | 4,599 |
| Assets per employee ($millions) | 3.7144% | 4,416 |
| Cash dividends to net income (ytd only)* | 96.6270% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 4,014 |
| Loan loss allowance to noncurrent loans | 104.4355% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.6461% | 3,062 |
| Noncurrent loans to loans | 1.0416% | 2,199 |
| Net loans and leases to total assets | 61.3598% | 3,698 |
| Net loans and leases to deposits | 74.1798% | 3,573 |
| Net loans and leases to core deposits | 75.0258% | 3,908 |
| Total domestic deposits to total assets | 82.7177% | 3,754 |
| Equity capital to assets | 9.9490% | 4,292 |
| Core capital (leverage) ratio | 8.4782% | 5,380 |
| Tier 1 risk-based capital ratio | 10.9072% | 5,471 |
| Total risk-based capital ratio | 11.7768% | 5,573 |
| Memoranda: | ||
| Average total assets | $117,262,330 | 4,102 |
| Average earning assets | $103,608,670 | 4,184 |
| Average equity | $11,330,670 | 4,433 |
| Average total loans | $70,412,000 | 4,086 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 2,968 |
| Cost of funding earning assets | 0.4115% | 2,939 |
| Net interest margin | 3.6576% | 2,862 |
| Noninterest income to average assets | 0.4936% | 3,167 |
| Noninterest expense to average assets | 2.7383% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9236% | 2,628 |
| Return on assets (ROA) | 0.9364% | 2,684 |
| Pretax return on assets | 0.9838% | 3,539 |
| Return on Equity (ROE) | 9.8332% | 2,060 |
| Retained earnings to average equity (ytd only) | 3.8694% | 3,564 |
| Net charge-offs to loans | -0.0057% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8377% | 2,503 |
| Assets per employee ($millions) | 3.7850% | 4,332 |
| Cash dividends to net income (ytd only)* | 60.6498% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 4,451 |
| Loan loss allowance to noncurrent loans | 61.2658% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1071% | 1,998 |
| Noncurrent loans to loans | 1.6791% | 1,350 |
| Net loans and leases to total assets | 59.5278% | 3,843 |
| Net loans and leases to deposits | 71.1454% | 3,733 |
| Net loans and leases to core deposits | 71.9323% | 4,064 |
| Total domestic deposits to total assets | 83.6707% | 3,647 |
| Equity capital to assets | 9.7192% | 4,427 |
| Core capital (leverage) ratio | 8.6651% | 5,216 |
| Tier 1 risk-based capital ratio | 10.9492% | 5,532 |
| Total risk-based capital ratio | 11.7603% | 5,659 |
| Memoranda: | ||
| Average total assets | $118,320,000 | 4,111 |
| Average earning assets | $104,004,000 | 4,207 |
| Average equity | $11,268,000 | 4,454 |
| Average total loans | $69,902,500 | 4,117 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 2,852 |
| Cost of funding earning assets | 0.4591% | 2,542 |
| Net interest margin | 3.6588% | 2,903 |
| Noninterest income to average assets | 0.5714% | 2,891 |
| Noninterest expense to average assets | 2.8555% | 3,009 |
| Loan and lease loss provision to assets | 0.0259% | 3,872 |
| Net operating income to assets | 0.8760% | 2,994 |
| Return on assets (ROA) | 0.8972% | 2,966 |
| Pretax return on assets | 0.9412% | 3,689 |
| Return on Equity (ROE) | 9.4607% | 2,238 |
| Retained earnings to average equity (ytd only) | 2.3175% | 4,412 |
| Net charge-offs to loans | 0.0519% | 3,161 |
| Credit loss provision to net charge-offs | 83.3333% | 2,887 |
| Earnings coverage of net charge-offs (x) | 30.4444% | 1,443 |
| Efficiency ratio | 75.1418% | 2,406 |
| Assets per employee ($millions) | 3.8485% | 4,212 |
| Cash dividends to net income (ytd only)* | 75.5043% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 4,330 |
| Loan loss allowance to noncurrent loans | 63.9648% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.0469% | 2,093 |
| Noncurrent loans to loans | 1.6394% | 1,390 |
| Net loans and leases to total assets | 57.4209% | 4,157 |
| Net loans and leases to deposits | 69.1651% | 4,008 |
| Net loans and leases to core deposits | 70.1352% | 4,293 |
| Total domestic deposits to total assets | 83.0200% | 3,827 |
| Equity capital to assets | 9.3307% | 4,754 |
| Core capital (leverage) ratio | 8.3630% | 5,562 |
| Tier 1 risk-based capital ratio | 10.7045% | 5,672 |
| Total risk-based capital ratio | 11.5059% | 5,805 |
| Memoranda: | ||
| Average total assets | $116,021,400 | 4,136 |
| Average earning assets | $102,384,400 | 4,230 |
| Average equity | $11,003,400 | 4,479 |
| Average total loans | $69,327,400 | 4,110 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 2,871 |
| Cost of funding earning assets | 0.4631% | 2,551 |
| Net interest margin | 3.6541% | 2,941 |
| Noninterest income to average assets | 0.5579% | 3,000 |
| Noninterest expense to average assets | 2.8958% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8522% | 3,164 |
| Return on assets (ROA) | 0.8808% | 3,121 |
| Pretax return on assets | 0.9247% | 3,900 |
| Return on Equity (ROE) | 9.2482% | 2,442 |
| Retained earnings to average equity (ytd only) | 0.6927% | 5,413 |
| Net charge-offs to loans | 0.0385% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 38.6442% | 1,281 |
| Efficiency ratio | 76.3969% | 2,183 |
| Assets per employee ($millions) | 3.6838% | 4,473 |
| Cash dividends to net income (ytd only)* | 92.5097% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 4,671 |
| Loan loss allowance to noncurrent loans | 210.0295% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 4,188 |
| Noncurrent loans to loans | 0.4830% | 3,910 |
| Net loans and leases to total assets | 60.8338% | 3,759 |
| Net loans and leases to deposits | 73.3986% | 3,606 |
| Net loans and leases to core deposits | 75.1208% | 3,900 |
| Total domestic deposits to total assets | 82.8815% | 3,852 |
| Equity capital to assets | 9.6560% | 4,567 |
| Core capital (leverage) ratio | 8.5638% | 5,503 |
| Tier 1 risk-based capital ratio | 10.5548% | 5,860 |
| Total risk-based capital ratio | 11.3454% | 5,963 |
| Memoranda: | ||
| Average total assets | $115,200,500 | 4,193 |
| Average earning assets | $101,911,250 | 4,285 |
| Average equity | $10,971,250 | 4,539 |
| Average total loans | $69,351,250 | 4,149 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 2,681 |
| Cost of funding earning assets | 0.4789% | 2,440 |
| Net interest margin | 3.6817% | 2,790 |
| Noninterest income to average assets | 0.5418% | 3,098 |
| Noninterest expense to average assets | 2.9221% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8141% | 3,311 |
| Return on assets (ROA) | 0.8569% | 3,204 |
| Pretax return on assets | 0.8984% | 3,964 |
| Return on Equity (ROE) | 9.0389% | 2,517 |
| Retained earnings to average equity (ytd only) | -0.0730% | 5,524 |
| Net charge-offs to loans | 0.0579% | 2,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 24.6500% | 1,554 |
| Efficiency ratio | 77.3957% | 2,145 |
| Assets per employee ($millions) | 3.6400% | 4,557 |
| Cash dividends to net income (ytd only)* | 100.8081% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 4,719 |
| Loan loss allowance to noncurrent loans | 206.3768% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 4,396 |
| Noncurrent loans to loans | 0.4984% | 3,968 |
| Net loans and leases to total assets | 60.7116% | 3,723 |
| Net loans and leases to deposits | 73.6080% | 3,538 |
| Net loans and leases to core deposits | 75.6557% | 3,802 |
| Total domestic deposits to total assets | 82.4796% | 4,132 |
| Equity capital to assets | 9.6021% | 4,531 |
| Core capital (leverage) ratio | 8.4971% | 5,534 |
| Tier 1 risk-based capital ratio | 10.8030% | 5,801 |
| Total risk-based capital ratio | 11.6181% | 5,909 |
| Memoranda: | ||
| Average total assets | $115,534,670 | 4,226 |
| Average earning assets | $101,474,330 | 4,333 |
| Average equity | $10,952,670 | 4,569 |
| Average total loans | $69,074,000 | 4,185 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 2,414 |
| Cost of funding earning assets | 0.4868% | 2,408 |
| Net interest margin | 3.7228% | 2,541 |
| Noninterest income to average assets | 0.5749% | 2,803 |
| Noninterest expense to average assets | 2.8336% | 3,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9661% | 2,417 |
| Return on assets (ROA) | 1.0506% | 2,176 |
| Pretax return on assets | 1.1020% | 3,071 |
| Return on Equity (ROE) | 11.1520% | 1,594 |
| Retained earnings to average equity (ytd only) | 1.1261% | 5,031 |
| Net charge-offs to loans | 0.0928% | 1,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,486 |
| Efficiency ratio | 73.6655% | 2,868 |
| Assets per employee ($millions) | 3.6696% | 4,574 |
| Cash dividends to net income (ytd only)* | 89.9023% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 4,870 |
| Loan loss allowance to noncurrent loans | 88.0689% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 3,077 |
| Noncurrent loans to loans | 1.1685% | 2,434 |
| Net loans and leases to total assets | 60.5308% | 3,579 |
| Net loans and leases to deposits | 72.9861% | 3,433 |
| Net loans and leases to core deposits | 75.0291% | 3,683 |
| Total domestic deposits to total assets | 82.9347% | 4,195 |
| Equity capital to assets | 9.7190% | 4,480 |
| Core capital (leverage) ratio | 8.4825% | 5,536 |
| Tier 1 risk-based capital ratio | 10.7601% | 5,913 |
| Total risk-based capital ratio | 11.5726% | 6,019 |
| Memoranda: | ||
| Average total assets | $116,882,000 | 4,242 |
| Average earning assets | $102,719,000 | 4,330 |
| Average equity | $11,011,500 | 4,593 |
| Average total loans | $69,001,500 | 4,204 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 3,262 |
| Cost of funding earning assets | 0.5455% | 2,241 |
| Net interest margin | 3.5714% | 3,514 |
| Noninterest income to average assets | 0.5504% | 3,176 |
| Noninterest expense to average assets | 2.7451% | 3,694 |
| Loan and lease loss provision to assets | 0.0285% | 4,036 |
| Net operating income to assets | 0.8877% | 2,936 |
| Return on assets (ROA) | 0.8943% | 2,991 |
| Pretax return on assets | 0.9401% | 3,737 |
| Return on Equity (ROE) | 9.8435% | 2,180 |
| Retained earnings to average equity (ytd only) | 2.6915% | 4,330 |
| Net charge-offs to loans | 0.0951% | 3,144 |
| Credit loss provision to net charge-offs | 50.7692% | 3,466 |
| Earnings coverage of net charge-offs (x) | 17.1231% | 1,957 |
| Efficiency ratio | 74.0559% | 2,825 |
| Assets per employee ($millions) | 3.8712% | 4,223 |
| Cash dividends to net income (ytd only)* | 72.6570% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 4,694 |
| Loan loss allowance to noncurrent loans | 188.6598% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 4,534 |
| Noncurrent loans to loans | 0.5670% | 3,970 |
| Net loans and leases to total assets | 56.4109% | 4,272 |
| Net loans and leases to deposits | 68.5484% | 4,074 |
| Net loans and leases to core deposits | 70.8194% | 4,237 |
| Total domestic deposits to total assets | 82.2935% | 4,315 |
| Equity capital to assets | 9.1386% | 5,141 |
| Core capital (leverage) ratio | 8.0775% | 5,948 |
| Tier 1 risk-based capital ratio | 11.1601% | 5,838 |
| Total risk-based capital ratio | 12.0237% | 5,939 |
| Memoranda: | ||
| Average total assets | $115,732,200 | 4,263 |
| Average earning assets | $102,286,200 | 4,345 |
| Average equity | $10,514,600 | 4,651 |
| Average total loans | $68,383,800 | 4,227 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 3,255 |
| Cost of funding earning assets | 0.5530% | 2,262 |
| Net interest margin | 3.5763% | 3,524 |
| Noninterest income to average assets | 0.5535% | 3,182 |
| Noninterest expense to average assets | 2.7988% | 3,462 |
| Loan and lease loss provision to assets | 0.0058% | 4,301 |
| Net operating income to assets | 0.8795% | 3,024 |
| Return on assets (ROA) | 0.8884% | 3,070 |
| Pretax return on assets | 0.9314% | 3,854 |
| Return on Equity (ROE) | 9.7932% | 2,315 |
| Retained earnings to average equity (ytd only) | 1.3972% | 5,343 |
| Net charge-offs to loans | 0.1248% | 2,559 |
| Credit loss provision to net charge-offs | 7.8125% | 3,734 |
| Earnings coverage of net charge-offs (x) | 12.4689% | 2,317 |
| Efficiency ratio | 75.1014% | 2,647 |
| Assets per employee ($millions) | 3.7088% | 4,472 |
| Cash dividends to net income (ytd only)* | 85.7329% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 5,150 |
| Loan loss allowance to noncurrent loans | 151.9397% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 4,439 |
| Noncurrent loans to loans | 0.6671% | 3,941 |
| Net loans and leases to total assets | 59.8810% | 3,810 |
| Net loans and leases to deposits | 72.8925% | 3,579 |
| Net loans and leases to core deposits | 75.4190% | 3,814 |
| Total domestic deposits to total assets | 82.1497% | 4,428 |
| Equity capital to assets | 9.2961% | 5,041 |
| Core capital (leverage) ratio | 8.3265% | 5,825 |
| Tier 1 risk-based capital ratio | 11.1136% | 5,949 |
| Total risk-based capital ratio | 11.9574% | 6,078 |
| Memoranda: | ||
| Average total assets | $114,663,500 | 4,324 |
| Average earning assets | $101,740,750 | 4,394 |
| Average equity | $10,401,500 | 4,706 |
| Average total loans | $68,372,500 | 4,258 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 3,308 |
| Cost of funding earning assets | 0.5642% | 2,220 |
| Net interest margin | 3.5429% | 3,604 |
| Noninterest income to average assets | 0.5429% | 3,188 |
| Noninterest expense to average assets | 2.8544% | 3,327 |
| Loan and lease loss provision to assets | 0.0087% | 4,059 |
| Net operating income to assets | 0.7792% | 3,428 |
| Return on assets (ROA) | 0.7926% | 3,467 |
| Pretax return on assets | 0.8293% | 4,158 |
| Return on Equity (ROE) | 8.8104% | 2,691 |
| Retained earnings to average equity (ytd only) | -1.7271% | 5,955 |
| Net charge-offs to loans | 0.1089% | 2,583 |
| Credit loss provision to net charge-offs | 13.5135% | 3,273 |
| Earnings coverage of net charge-offs (x) | 12.7568% | 2,036 |
| Efficiency ratio | 77.5985% | 2,358 |
| Assets per employee ($millions) | 3.6295% | 4,599 |
| Cash dividends to net income (ytd only)* | 119.6035% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 5,015 |
| Loan loss allowance to noncurrent loans | 194.6809% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 4,661 |
| Noncurrent loans to loans | 0.5511% | 4,362 |
| Net loans and leases to total assets | 59.9879% | 3,714 |
| Net loans and leases to deposits | 76.1496% | 3,036 |
| Net loans and leases to core deposits | 78.6456% | 3,363 |
| Total domestic deposits to total assets | 78.7764% | 5,504 |
| Equity capital to assets | 9.3205% | 4,959 |
| Core capital (leverage) ratio | 8.1842% | 5,946 |
| Tier 1 risk-based capital ratio | 11.0939% | 6,015 |
| Total risk-based capital ratio | 11.9875% | 6,108 |
| Memoranda: | ||
| Average total assets | $114,560,330 | 4,356 |
| Average earning assets | $101,387,000 | 4,428 |
| Average equity | $10,306,000 | 4,740 |
| Average total loans | $67,979,330 | 4,297 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 3,255 |
| Cost of funding earning assets | 0.5607% | 2,337 |
| Net interest margin | 3.5456% | 3,498 |
| Noninterest income to average assets | 0.5053% | 3,370 |
| Noninterest expense to average assets | 2.8136% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7627% | 3,342 |
| Return on assets (ROA) | 0.7890% | 3,278 |
| Pretax return on assets | 0.8271% | 3,988 |
| Return on Equity (ROE) | 8.9276% | 2,495 |
| Retained earnings to average equity (ytd only) | -6.4608% | 6,204 |
| Net charge-offs to loans | 0.0236% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 57.7500% | 673 |
| Efficiency ratio | 77.8736% | 2,489 |
| Assets per employee ($millions) | 3.7706% | 4,380 |
| Cash dividends to net income (ytd only)* | 172.3684% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 4,986 |
| Loan loss allowance to noncurrent loans | 163.7931% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 4,690 |
| Noncurrent loans to loans | 0.6899% | 4,146 |
| Net loans and leases to total assets | 56.8902% | 4,022 |
| Net loans and leases to deposits | 71.5051% | 3,409 |
| Net loans and leases to core deposits | 74.1200% | 3,632 |
| Total domestic deposits to total assets | 79.5611% | 5,580 |
| Equity capital to assets | 8.7270% | 5,425 |
| Core capital (leverage) ratio | 8.2913% | 5,855 |
| Tier 1 risk-based capital ratio | 11.0740% | 6,125 |
| Total risk-based capital ratio | 12.0079% | 6,216 |
| Memoranda: | ||
| Average total assets | $115,582,500 | 4,375 |
| Average earning assets | $101,308,000 | 4,473 |
| Average equity | $10,215,500 | 4,773 |
| Average total loans | $67,855,000 | 4,331 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 3,576 |
| Cost of funding earning assets | 0.6716% | 2,027 |
| Net interest margin | 3.4693% | 4,029 |
| Noninterest income to average assets | 0.5410% | 3,467 |
| Noninterest expense to average assets | 2.7048% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7174% | 3,706 |
| Return on assets (ROA) | 0.7174% | 3,795 |
| Pretax return on assets | 0.9110% | 3,724 |
| Return on Equity (ROE) | 7.4675% | 3,309 |
| Retained earnings to average equity (ytd only) | -1.2053% | 6,089 |
| Net charge-offs to loans | 0.0183% | 5,078 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 83.9167% | 534 |
| Efficiency ratio | 74.8061% | 2,991 |
| Assets per employee ($millions) | 3.6863% | 4,511 |
| Cash dividends to net income (ytd only)* | 116.1412% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 5,066 |
| Loan loss allowance to noncurrent loans | 87.8161% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 3,757 |
| Noncurrent loans to loans | 1.2710% | 3,009 |
| Net loans and leases to total assets | 59.2317% | 3,840 |
| Net loans and leases to deposits | 72.4848% | 3,459 |
| Net loans and leases to core deposits | 73.9741% | 3,841 |
| Total domestic deposits to total assets | 81.7160% | 4,964 |
| Equity capital to assets | 8.9521% | 5,095 |
| Core capital (leverage) ratio | 8.2779% | 5,898 |
| Tier 1 risk-based capital ratio | 10.5549% | 6,351 |
| Total risk-based capital ratio | 11.4337% | 6,419 |
| Memoranda: | ||
| Average total assets | $110,543,000 | 4,488 |
| Average earning assets | $97,973,200 | 4,567 |
| Average equity | $10,619,400 | 4,715 |
| Average total loans | $65,533,600 | 4,428 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 3,661 |
| Cost of funding earning assets | 0.6957% | 1,983 |
| Net interest margin | 3.4292% | 4,171 |
| Noninterest income to average assets | 0.5912% | 3,208 |
| Noninterest expense to average assets | 2.6919% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6933% | 3,894 |
| Return on assets (ROA) | 0.6933% | 4,030 |
| Pretax return on assets | 0.9391% | 3,724 |
| Return on Equity (ROE) | 7.0915% | 3,594 |
| Retained earnings to average equity (ytd only) | 1.8537% | 5,206 |
| Net charge-offs to loans | 0.0247% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 64.3319% | 709 |
| Efficiency ratio | 74.1374% | 3,040 |
| Assets per employee ($millions) | 3.4194% | 5,019 |
| Cash dividends to net income (ytd only)* | 73.8598% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 4,974 |
| Loan loss allowance to noncurrent loans | 78.1986% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 3,512 |
| Noncurrent loans to loans | 1.5079% | 2,908 |
| Net loans and leases to total assets | 60.4036% | 3,633 |
| Net loans and leases to deposits | 74.3287% | 3,187 |
| Net loans and leases to core deposits | 75.9880% | 3,615 |
| Total domestic deposits to total assets | 81.2654% | 5,151 |
| Equity capital to assets | 9.9385% | 3,991 |
| Core capital (leverage) ratio | 9.0440% | 5,059 |
| Tier 1 risk-based capital ratio | 11.6200% | 6,001 |
| Total risk-based capital ratio | 12.5590% | 6,108 |
| Memoranda: | ||
| Average total assets | $109,610,000 | 4,543 |
| Average earning assets | $97,162,750 | 4,635 |
| Average equity | $10,716,750 | 4,754 |
| Average total loans | $64,804,250 | 4,495 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 3,678 |
| Cost of funding earning assets | 0.7079% | 2,017 |
| Net interest margin | 3.4065% | 4,169 |
| Noninterest income to average assets | 0.5992% | 3,197 |
| Noninterest expense to average assets | 2.6640% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5974% | 4,298 |
| Return on assets (ROA) | 0.5974% | 4,482 |
| Pretax return on assets | 0.9403% | 3,745 |
| Return on Equity (ROE) | 6.1425% | 4,080 |
| Retained earnings to average equity (ytd only) | -0.5011% | 5,958 |
| Net charge-offs to loans | 0.0309% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 52.1000% | 783 |
| Efficiency ratio | 73.9109% | 3,153 |
| Assets per employee ($millions) | 3.5043% | 4,842 |
| Cash dividends to net income (ytd only)* | 108.1571% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 5,017 |
| Loan loss allowance to noncurrent loans | 89.7887% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 3,766 |
| Noncurrent loans to loans | 1.3321% | 3,329 |
| Net loans and leases to total assets | 60.1113% | 3,637 |
| Net loans and leases to deposits | 74.9324% | 3,026 |
| Net loans and leases to core deposits | 76.6790% | 3,467 |
| Total domestic deposits to total assets | 80.2207% | 5,558 |
| Equity capital to assets | 9.8668% | 4,100 |
| Core capital (leverage) ratio | 8.8279% | 5,251 |
| Tier 1 risk-based capital ratio | 11.7081% | 5,990 |
| Total risk-based capital ratio | 12.6683% | 6,114 |
| Memoranda: | ||
| Average total assets | $110,812,670 | 4,559 |
| Average earning assets | $97,755,670 | 4,653 |
| Average equity | $10,777,330 | 4,771 |
| Average total loans | $64,808,000 | 4,506 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 3,629 |
| Cost of funding earning assets | 0.7026% | 2,182 |
| Net interest margin | 3.4208% | 4,046 |
| Noninterest income to average assets | 0.5420% | 3,489 |
| Noninterest expense to average assets | 2.5798% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3379% | 5,406 |
| Return on assets (ROA) | 0.3379% | 5,546 |
| Pretax return on assets | 0.9608% | 3,519 |
| Return on Equity (ROE) | 3.4974% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.4974% | 4,146 |
| Net charge-offs to loans | 0.0675% | 3,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 24.8182% | 1,067 |
| Efficiency ratio | 72.8628% | 3,463 |
| Assets per employee ($millions) | 3.6908% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 5,216 |
| Loan loss allowance to noncurrent loans | 93.6353% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 4,108 |
| Noncurrent loans to loans | 1.2730% | 3,647 |
| Net loans and leases to total assets | 57.2721% | 3,873 |
| Net loans and leases to deposits | 70.2843% | 3,432 |
| Net loans and leases to core deposits | 71.7256% | 3,853 |
| Total domestic deposits to total assets | 81.4864% | 5,367 |
| Equity capital to assets | 9.9382% | 4,226 |
| Core capital (leverage) ratio | 8.8670% | 5,097 |
| Tier 1 risk-based capital ratio | 11.7586% | 6,058 |
| Total risk-based capital ratio | 12.7104% | 6,180 |
| Memoranda: | ||
| Average total assets | $113,654,000 | 4,532 |
| Average earning assets | $99,625,000 | 4,634 |
| Average equity | $10,979,500 | 4,774 |
| Average total loans | $65,232,000 | 4,520 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 3,501 |
| Cost of funding earning assets | 0.8223% | 2,487 |
| Net interest margin | 3.6530% | 3,860 |
| Noninterest income to average assets | 0.6700% | 2,881 |
| Noninterest expense to average assets | 2.6829% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9073% | 2,783 |
| Return on assets (ROA) | 0.9124% | 2,992 |
| Pretax return on assets | 1.2774% | 2,494 |
| Return on Equity (ROE) | 8.5028% | 2,863 |
| Retained earnings to average equity (ytd only) | -7.4453% | 6,548 |
| Net charge-offs to loans | 0.0927% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 23.3167% | 1,224 |
| Efficiency ratio | 67.8686% | 4,173 |
| Assets per employee ($millions) | 3.8861% | 4,185 |
| Cash dividends to net income (ytd only)* | 187.5622% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,256 |
| Loan loss allowance to noncurrent loans | 89.6074% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 4,209 |
| Noncurrent loans to loans | 1.3065% | 3,650 |
| Net loans and leases to total assets | 56.1904% | 4,256 |
| Net loans and leases to deposits | 67.9787% | 3,986 |
| Net loans and leases to core deposits | 69.7513% | 4,351 |
| Total domestic deposits to total assets | 82.6589% | 4,865 |
| Equity capital to assets | 9.3967% | 5,003 |
| Core capital (leverage) ratio | 8.2369% | 5,954 |
| Tier 1 risk-based capital ratio | 11.1481% | 6,290 |
| Total risk-based capital ratio | 12.0778% | 6,389 |
| Memoranda: | ||
| Average total assets | $110,143,600 | 4,589 |
| Average earning assets | $98,987,400 | 4,615 |
| Average equity | $11,819,600 | 4,606 |
| Average total loans | $64,714,400 | 4,553 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 3,396 |
| Cost of funding earning assets | 0.8485% | 2,550 |
| Net interest margin | 3.7094% | 3,757 |
| Noninterest income to average assets | 0.7064% | 2,681 |
| Noninterest expense to average assets | 2.7604% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9230% | 2,863 |
| Return on assets (ROA) | 0.9300% | 3,058 |
| Pretax return on assets | 1.3071% | 2,578 |
| Return on Equity (ROE) | 8.3859% | 3,089 |
| Retained earnings to average equity (ytd only) | 4.1210% | 4,002 |
| Net charge-offs to loans | -0.0021% | 6,207 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0291% | 4,059 |
| Assets per employee ($millions) | 3.6556% | 4,641 |
| Cash dividends to net income (ytd only)* | 50.8585% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,940 |
| Loan loss allowance to noncurrent loans | 70.3361% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.3140% | 3,668 |
| Noncurrent loans to loans | 1.8081% | 3,069 |
| Net loans and leases to total assets | 59.2501% | 3,922 |
| Net loans and leases to deposits | 74.7572% | 3,174 |
| Net loans and leases to core deposits | 77.0240% | 3,601 |
| Total domestic deposits to total assets | 79.2567% | 5,810 |
| Equity capital to assets | 11.2438% | 2,989 |
| Core capital (leverage) ratio | 10.1229% | 3,368 |
| Tier 1 risk-based capital ratio | 13.2025% | 5,092 |
| Total risk-based capital ratio | 14.2493% | 5,212 |
| Memoranda: | ||
| Average total assets | $108,533,500 | 4,675 |
| Average earning assets | $98,054,250 | 4,688 |
| Average equity | $12,035,750 | 4,610 |
| Average total loans | $64,321,750 | 4,616 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 3,236 |
| Cost of funding earning assets | 0.8925% | 2,460 |
| Net interest margin | 3.7359% | 3,657 |
| Noninterest income to average assets | 0.7045% | 2,639 |
| Noninterest expense to average assets | 2.7590% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9338% | 2,745 |
| Return on assets (ROA) | 0.9338% | 3,008 |
| Pretax return on assets | 1.3203% | 2,482 |
| Return on Equity (ROE) | 8.4609% | 3,036 |
| Retained earnings to average equity (ytd only) | 2.0105% | 5,195 |
| Net charge-offs to loans | 0.0094% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 238.0000% | 179 |
| Efficiency ratio | 67.6337% | 4,202 |
| Assets per employee ($millions) | 3.3642% | 5,289 |
| Cash dividends to net income (ytd only)* | 76.2376% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,821 |
| Loan loss allowance to noncurrent loans | 71.1358% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.3731% | 3,687 |
| Noncurrent loans to loans | 1.8507% | 3,148 |
| Net loans and leases to total assets | 59.8711% | 3,848 |
| Net loans and leases to deposits | 74.0141% | 3,292 |
| Net loans and leases to core deposits | 76.4416% | 3,723 |
| Total domestic deposits to total assets | 80.8916% | 5,505 |
| Equity capital to assets | 11.5640% | 2,528 |
| Core capital (leverage) ratio | 9.9188% | 3,531 |
| Tier 1 risk-based capital ratio | 13.5191% | 4,806 |
| Total risk-based capital ratio | 14.6120% | 4,883 |
| Memoranda: | ||
| Average total assets | $108,155,000 | 4,713 |
| Average earning assets | $97,701,670 | 4,718 |
| Average equity | $11,937,330 | 4,620 |
| Average total loans | $63,823,670 | 4,642 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 3,382 |
| Cost of funding earning assets | 0.9001% | 2,690 |
| Net interest margin | 3.7251% | 3,711 |
| Noninterest income to average assets | 0.7521% | 2,389 |
| Noninterest expense to average assets | 2.7033% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9592% | 2,645 |
| Return on assets (ROA) | 0.9592% | 2,849 |
| Pretax return on assets | 1.4170% | 2,132 |
| Return on Equity (ROE) | 8.8919% | 2,870 |
| Retained earnings to average equity (ytd only) | -4.0754% | 6,503 |
| Net charge-offs to loans | 0.0062% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 73 |
| Efficiency ratio | 65.6085% | 4,631 |
| Assets per employee ($millions) | 3.6291% | 4,805 |
| Cash dividends to net income (ytd only)* | 145.8333% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 4,923 |
| Loan loss allowance to noncurrent loans | 79.5996% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.2363% | 4,073 |
| Noncurrent loans to loans | 1.6602% | 3,610 |
| Net loans and leases to total assets | 57.2676% | 4,169 |
| Net loans and leases to deposits | 70.2928% | 3,692 |
| Net loans and leases to core deposits | 73.1512% | 3,997 |
| Total domestic deposits to total assets | 81.4702% | 5,472 |
| Equity capital to assets | 10.8374% | 3,095 |
| Core capital (leverage) ratio | 9.5664% | 3,963 |
| Tier 1 risk-based capital ratio | 13.2992% | 4,984 |
| Total risk-based capital ratio | 14.4026% | 5,064 |
| Memoranda: | ||
| Average total assets | $110,088,000 | 4,709 |
| Average earning assets | $99,542,000 | 4,709 |
| Average equity | $11,876,000 | 4,638 |
| Average total loans | $64,099,500 | 4,664 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 3,209 |
| Cost of funding earning assets | 1.1136% | 2,583 |
| Net interest margin | 3.8155% | 3,742 |
| Noninterest income to average assets | 0.4674% | 4,076 |
| Noninterest expense to average assets | 2.5967% | 5,108 |
| Loan and lease loss provision to assets | 0.1187% | 5,118 |
| Net operating income to assets | 0.8922% | 2,632 |
| Return on assets (ROA) | 0.9275% | 2,614 |
| Pretax return on assets | 1.3140% | 2,075 |
| Return on Equity (ROE) | 8.8845% | 2,503 |
| Retained earnings to average equity (ytd only) | 6.5488% | 1,716 |
| Net charge-offs to loans | 0.2905% | 3,957 |
| Credit loss provision to net charge-offs | 69.3548% | 4,872 |
| Earnings coverage of net charge-offs (x) | 8.0806% | 2,218 |
| Efficiency ratio | 65.2486% | 4,912 |
| Assets per employee ($millions) | 3.8380% | 4,234 |
| Cash dividends to net income (ytd only)* | 26.2897% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 4,989 |
| Loan loss allowance to noncurrent loans | 76.4867% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2821% | 4,074 |
| Noncurrent loans to loans | 1.6812% | 3,638 |
| Net loans and leases to total assets | 57.6615% | 4,435 |
| Net loans and leases to deposits | 71.7300% | 3,838 |
| Net loans and leases to core deposits | 76.2438% | 3,950 |
| Total domestic deposits to total assets | 80.3869% | 5,630 |
| Equity capital to assets | 10.7392% | 3,263 |
| Core capital (leverage) ratio | 9.2000% | 4,469 |
| Tier 1 risk-based capital ratio | 13.1416% | 4,962 |
| Total risk-based capital ratio | 14.2203% | 5,072 |
| Memoranda: | ||
| Average total assets | $108,676,000 | 4,675 |
| Average earning assets | $100,038,800 | 4,642 |
| Average equity | $11,345,600 | 4,699 |
| Average total loans | $64,037,600 | 4,713 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 3,242 |
| Cost of funding earning assets | 1.1488% | 2,639 |
| Net interest margin | 3.8219% | 3,758 |
| Noninterest income to average assets | 0.4505% | 4,289 |
| Noninterest expense to average assets | 2.6439% | 4,924 |
| Loan and lease loss provision to assets | 0.1099% | 5,063 |
| Net operating income to assets | 0.8752% | 2,839 |
| Return on assets (ROA) | 0.9208% | 2,806 |
| Pretax return on assets | 1.2923% | 2,312 |
| Return on Equity (ROE) | 8.8857% | 2,654 |
| Retained earnings to average equity (ytd only) | 5.7293% | 2,719 |
| Net charge-offs to loans | 0.2048% | 4,164 |
| Credit loss provision to net charge-offs | 90.8163% | 3,747 |
| Earnings coverage of net charge-offs (x) | 11.0615% | 1,847 |
| Efficiency ratio | 66.3980% | 4,638 |
| Assets per employee ($millions) | 3.6761% | 4,585 |
| Cash dividends to net income (ytd only)* | 35.5224% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 4,778 |
| Loan loss allowance to noncurrent loans | 76.4045% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.4136% | 4,009 |
| Noncurrent loans to loans | 1.7659% | 3,683 |
| Net loans and leases to total assets | 58.6074% | 4,392 |
| Net loans and leases to deposits | 71.4693% | 4,071 |
| Net loans and leases to core deposits | 75.9123% | 4,203 |
| Total domestic deposits to total assets | 82.0036% | 5,085 |
| Equity capital to assets | 10.6453% | 3,519 |
| Core capital (leverage) ratio | 9.3084% | 4,437 |
| Tier 1 risk-based capital ratio | 13.3164% | 4,871 |
| Total risk-based capital ratio | 14.4799% | 4,900 |
| Memoranda: | ||
| Average total assets | $108,019,250 | 4,714 |
| Average earning assets | $99,809,000 | 4,675 |
| Average equity | $11,193,750 | 4,761 |
| Average total loans | $63,793,250 | 4,763 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 3,149 |
| Cost of funding earning assets | 1.1923% | 2,628 |
| Net interest margin | 3.8089% | 3,737 |
| Noninterest income to average assets | 0.3617% | 4,986 |
| Noninterest expense to average assets | 2.6943% | 4,848 |
| Loan and lease loss provision to assets | 0.1119% | 4,899 |
| Net operating income to assets | 0.7850% | 3,138 |
| Return on assets (ROA) | 0.8558% | 2,925 |
| Pretax return on assets | 1.1728% | 2,586 |
| Return on Equity (ROE) | 8.3366% | 2,788 |
| Retained earnings to average equity (ytd only) | 3.5235% | 4,007 |
| Net charge-offs to loans | 0.2183% | 3,821 |
| Credit loss provision to net charge-offs | 86.9565% | 3,555 |
| Earnings coverage of net charge-offs (x) | 9.2319% | 1,950 |
| Efficiency ratio | 69.4044% | 4,237 |
| Assets per employee ($millions) | 3.4358% | 5,107 |
| Cash dividends to net income (ytd only)* | 57.7342% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 4,688 |
| Loan loss allowance to noncurrent loans | 73.9130% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.5360% | 3,900 |
| Noncurrent loans to loans | 1.8649% | 3,658 |
| Net loans and leases to total assets | 59.3826% | 4,400 |
| Net loans and leases to deposits | 71.2978% | 4,232 |
| Net loans and leases to core deposits | 74.7774% | 4,473 |
| Total domestic deposits to total assets | 83.2881% | 4,643 |
| Equity capital to assets | 10.6318% | 3,349 |
| Core capital (leverage) ratio | 9.1266% | 4,522 |
| Tier 1 risk-based capital ratio | 13.4290% | 4,587 |
| Total risk-based capital ratio | 14.6610% | 4,589 |
| Memoranda: | ||
| Average total assets | $107,264,670 | 4,773 |
| Average earning assets | $99,136,330 | 4,727 |
| Average equity | $11,011,670 | 4,801 |
| Average total loans | $63,218,330 | 4,821 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9664% | 3,260 |
| Cost of funding earning assets | 1.2175% | 2,702 |
| Net interest margin | 3.7489% | 3,840 |
| Noninterest income to average assets | 0.2341% | 6,040 |
| Noninterest expense to average assets | 2.7201% | 4,754 |
| Loan and lease loss provision to assets | 0.1486% | 4,158 |
| Net operating income to assets | 0.6733% | 3,642 |
| Return on assets (ROA) | 0.6763% | 3,696 |
| Pretax return on assets | 0.8361% | 3,761 |
| Return on Equity (ROE) | 6.7063% | 3,529 |
| Retained earnings to average equity (ytd only) | -3.0584% | 6,310 |
| Net charge-offs to loans | 0.5736% | 2,053 |
| Credit loss provision to net charge-offs | 44.4444% | 3,859 |
| Earnings coverage of net charge-offs (x) | 2.9333% | 2,909 |
| Efficiency ratio | 73.4940% | 3,610 |
| Assets per employee ($millions) | 3.4966% | 5,004 |
| Cash dividends to net income (ytd only)* | 145.6044% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 4,944 |
| Loan loss allowance to noncurrent loans | 77.6959% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.4014% | 4,183 |
| Noncurrent loans to loans | 1.7250% | 3,915 |
| Net loans and leases to total assets | 57.2495% | 4,753 |
| Net loans and leases to deposits | 68.9730% | 4,533 |
| Net loans and leases to core deposits | 72.4925% | 4,727 |
| Total domestic deposits to total assets | 83.0027% | 4,931 |
| Equity capital to assets | 9.9729% | 3,808 |
| Core capital (leverage) ratio | 9.1878% | 4,312 |
| Tier 1 risk-based capital ratio | 13.1585% | 4,702 |
| Total risk-based capital ratio | 14.3438% | 4,736 |
| Memoranda: | ||
| Average total assets | $107,641,500 | 4,801 |
| Average earning assets | $99,548,500 | 4,752 |
| Average equity | $10,855,500 | 4,829 |
| Average total loans | $62,761,000 | 4,877 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 3,360 |
| Cost of funding earning assets | 1.8150% | 1,113 |
| Net interest margin | 3.4354% | 5,495 |
| Noninterest income to average assets | 0.8749% | 1,948 |
| Noninterest expense to average assets | 2.6830% | 5,068 |
| Loan and lease loss provision to assets | 0.3784% | 3,849 |
| Net operating income to assets | 0.6819% | 3,296 |
| Return on assets (ROA) | 0.7282% | 3,237 |
| Pretax return on assets | 1.0396% | 2,810 |
| Return on Equity (ROE) | 7.5963% | 2,850 |
| Retained earnings to average equity (ytd only) | 4.4700% | 2,737 |
| Net charge-offs to loans | 0.6371% | 3,108 |
| Credit loss provision to net charge-offs | 102.9197% | 4,384 |
| Earnings coverage of net charge-offs (x) | 3.6764% | 3,242 |
| Efficiency ratio | 66.4967% | 4,869 |
| Assets per employee ($millions) | 3.4480% | 5,062 |
| Cash dividends to net income (ytd only)* | 41.1548% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,395 |
| Loan loss allowance to noncurrent loans | 78.8173% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.4772% | 4,103 |
| Noncurrent loans to loans | 1.8092% | 3,803 |
| Net loans and leases to total assets | 57.7524% | 5,063 |
| Net loans and leases to deposits | 71.5838% | 4,588 |
| Net loans and leases to core deposits | 74.4932% | 4,910 |
| Total domestic deposits to total assets | 80.6781% | 5,628 |
| Equity capital to assets | 10.1984% | 3,502 |
| Core capital (leverage) ratio | 8.9069% | 4,682 |
| Tier 1 risk-based capital ratio | 13.3552% | 4,324 |
| Total risk-based capital ratio | 14.6183% | 4,275 |
| Memoranda: | ||
| Average total assets | $111,778,200 | 4,667 |
| Average earning assets | $102,811,800 | 4,648 |
| Average equity | $10,715,800 | 4,927 |
| Average total loans | $64,512,400 | 4,887 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 3,406 |
| Cost of funding earning assets | 1.9031% | 1,020 |
| Net interest margin | 3.3850% | 5,730 |
| Noninterest income to average assets | 0.9250% | 1,709 |
| Noninterest expense to average assets | 2.6831% | 4,952 |
| Loan and lease loss provision to assets | 0.3693% | 3,685 |
| Net operating income to assets | 0.6869% | 3,485 |
| Return on assets (ROA) | 0.7481% | 3,382 |
| Pretax return on assets | 1.0702% | 2,927 |
| Return on Equity (ROE) | 7.9227% | 2,945 |
| Retained earnings to average equity (ytd only) | 3.7364% | 3,835 |
| Net charge-offs to loans | 0.8063% | 2,438 |
| Credit loss provision to net charge-offs | 79.6438% | 5,150 |
| Earnings coverage of net charge-offs (x) | 2.9160% | 3,675 |
| Efficiency ratio | 66.4912% | 4,758 |
| Assets per employee ($millions) | 3.4956% | 4,994 |
| Cash dividends to net income (ytd only)* | 52.8398% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 5,135 |
| Loan loss allowance to noncurrent loans | 68.0544% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.4733% | 4,244 |
| Noncurrent loans to loans | 1.8604% | 3,856 |
| Net loans and leases to total assets | 55.8430% | 5,563 |
| Net loans and leases to deposits | 74.0101% | 4,507 |
| Net loans and leases to core deposits | 77.0814% | 4,909 |
| Total domestic deposits to total assets | 75.4532% | 6,752 |
| Equity capital to assets | 9.9356% | 4,240 |
| Core capital (leverage) ratio | 8.4412% | 5,625 |
| Tier 1 risk-based capital ratio | 13.4104% | 4,261 |
| Total risk-based capital ratio | 14.5701% | 4,304 |
| Memoranda: | ||
| Average total assets | $113,000,500 | 4,694 |
| Average earning assets | $103,829,000 | 4,677 |
| Average equity | $10,669,500 | 5,003 |
| Average total loans | $64,984,500 | 4,947 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2938% | 3,500 |
| Cost of funding earning assets | 1.9256% | 1,128 |
| Net interest margin | 3.3683% | 5,764 |
| Noninterest income to average assets | 0.5239% | 3,925 |
| Noninterest expense to average assets | 2.7835% | 4,562 |
| Loan and lease loss provision to assets | 0.3528% | 3,606 |
| Net operating income to assets | 0.3612% | 4,927 |
| Return on assets (ROA) | 0.4604% | 4,663 |
| Pretax return on assets | 0.6068% | 4,550 |
| Return on Equity (ROE) | 4.9613% | 4,303 |
| Retained earnings to average equity (ytd only) | 4.9613% | 2,925 |
| Net charge-offs to loans | 0.8115% | 2,224 |
| Credit loss provision to net charge-offs | 75.1880% | 4,830 |
| Earnings coverage of net charge-offs (x) | 1.7669% | 4,196 |
| Efficiency ratio | 77.0508% | 2,888 |
| Assets per employee ($millions) | 3.4707% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 5,061 |
| Loan loss allowance to noncurrent loans | 58.0484% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.6297% | 3,999 |
| Noncurrent loans to loans | 2.1957% | 3,486 |
| Net loans and leases to total assets | 56.8403% | 5,579 |
| Net loans and leases to deposits | 75.2312% | 4,482 |
| Net loans and leases to core deposits | 78.1616% | 4,929 |
| Total domestic deposits to total assets | 75.5542% | 6,767 |
| Equity capital to assets | 9.8287% | 4,231 |
| Core capital (leverage) ratio | 8.3323% | 5,702 |
| Tier 1 risk-based capital ratio | 13.4992% | 4,064 |
| Total risk-based capital ratio | 14.6919% | 4,070 |
| Memoranda: | ||
| Average total assets | $113,380,670 | 4,721 |
| Average earning assets | $103,970,000 | 4,698 |
| Average equity | $10,521,330 | 5,053 |
| Average total loans | $65,557,000 | 4,958 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2442% | 3,810 |
| Cost of funding earning assets | 1.9441% | 1,262 |
| Net interest margin | 3.3001% | 5,973 |
| Noninterest income to average assets | 0.6007% | 3,274 |
| Noninterest expense to average assets | 2.9230% | 3,974 |
| Loan and lease loss provision to assets | 0.3492% | 3,286 |
| Net operating income to assets | 0.2727% | 5,409 |
| Return on assets (ROA) | 0.4051% | 4,963 |
| Pretax return on assets | 0.5134% | 4,915 |
| Return on Equity (ROE) | 4.4944% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.4944% | 3,465 |
| Net charge-offs to loans | 0.4701% | 2,637 |
| Credit loss provision to net charge-offs | 128.2051% | 2,746 |
| Earnings coverage of net charge-offs (x) | 2.5513% | 3,270 |
| Efficiency ratio | 80.7915% | 2,440 |
| Assets per employee ($millions) | 3.5263% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 4,504 |
| Loan loss allowance to noncurrent loans | 53.4953% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.8176% | 3,756 |
| Noncurrent loans to loans | 2.5847% | 3,089 |
| Net loans and leases to total assets | 57.0754% | 5,590 |
| Net loans and leases to deposits | 73.7169% | 4,789 |
| Net loans and leases to core deposits | 77.4946% | 5,088 |
| Total domestic deposits to total assets | 77.4251% | 6,463 |
| Equity capital to assets | 9.2625% | 4,891 |
| Core capital (leverage) ratio | 8.4091% | 5,542 |
| Tier 1 risk-based capital ratio | 13.3407% | 4,095 |
| Total risk-based capital ratio | 14.6058% | 4,044 |
| Memoranda: | ||
| Average total assets | $114,540,000 | 4,754 |
| Average earning assets | $104,725,000 | 4,741 |
| Average equity | $10,324,000 | 5,143 |
| Average total loans | $66,364,000 | 4,991 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6839% | 3,192 |
| Cost of funding earning assets | 2.6330% | 702 |
| Net interest margin | 3.0509% | 6,519 |
| Noninterest income to average assets | -0.4146% | 7,927 |
| Noninterest expense to average assets | 2.5524% | 5,942 |
| Loan and lease loss provision to assets | 0.6617% | 3,162 |
| Net operating income to assets | -0.4479% | 6,124 |
| Return on assets (ROA) | -0.4068% | 6,081 |
| Pretax return on assets | -0.7710% | 6,247 |
| Return on Equity (ROE) | -4.4116% | 6,152 |
| Retained earnings to average equity (ytd only) | -7.4123% | 6,283 |
| Net charge-offs to loans | 0.7188% | 3,032 |
| Credit loss provision to net charge-offs | 150.7905% | 3,070 |
| Earnings coverage of net charge-offs (x) | -0.3834% | 6,615 |
| Efficiency ratio | 107.0571% | 868 |
| Assets per employee ($millions) | 3.7496% | 4,396 |
| Cash dividends to net income (ytd only)* | -68.0171% | 7,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 4,713 |
| Loan loss allowance to noncurrent loans | 57.5065% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 2.4200% | 2,872 |
| Noncurrent loans to loans | 2.2723% | 3,315 |
| Net loans and leases to total assets | 57.2438% | 5,781 |
| Net loans and leases to deposits | 76.4350% | 4,661 |
| Net loans and leases to core deposits | 91.0246% | 5,008 |
| Total domestic deposits to total assets | 74.8920% | 6,883 |
| Equity capital to assets | 8.7717% | 5,481 |
| Core capital (leverage) ratio | 7.8579% | 6,377 |
| Tier 1 risk-based capital ratio | 12.5234% | 4,504 |
| Total risk-based capital ratio | 13.7544% | 4,468 |
| Memoranda: | ||
| Average total assets | $115,301,600 | 4,693 |
| Average earning assets | $105,772,400 | 4,687 |
| Average equity | $10,631,000 | 5,121 |
| Average total loans | $70,391,800 | 4,855 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 3,307 |
| Cost of funding earning assets | 2.7556% | 675 |
| Net interest margin | 2.9512% | 6,729 |
| Noninterest income to average assets | -0.2700% | 8,006 |
| Noninterest expense to average assets | 2.5468% | 5,909 |
| Loan and lease loss provision to assets | 0.8517% | 2,251 |
| Net operating income to assets | -0.5243% | 6,450 |
| Return on assets (ROA) | -0.4693% | 6,401 |
| Pretax return on assets | -0.8795% | 6,591 |
| Return on Equity (ROE) | -5.0280% | 6,455 |
| Retained earnings to average equity (ytd only) | -8.9882% | 6,703 |
| Net charge-offs to loans | 0.4498% | 3,435 |
| Credit loss provision to net charge-offs | 306.2500% | 1,349 |
| Earnings coverage of net charge-offs (x) | -0.3833% | 6,416 |
| Efficiency ratio | 104.3685% | 904 |
| Assets per employee ($millions) | 3.6958% | 4,436 |
| Cash dividends to net income (ytd only)* | -78.7644% | 7,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 2,871 |
| Loan loss allowance to noncurrent loans | 57.2086% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 2.9397% | 2,354 |
| Noncurrent loans to loans | 2.8525% | 2,663 |
| Net loans and leases to total assets | 58.8735% | 5,755 |
| Net loans and leases to deposits | 77.6104% | 4,798 |
| Net loans and leases to core deposits | 90.9731% | 5,336 |
| Total domestic deposits to total assets | 75.8578% | 6,609 |
| Equity capital to assets | 9.2240% | 5,126 |
| Core capital (leverage) ratio | 7.9323% | 6,467 |
| Tier 1 risk-based capital ratio | 12.7706% | 4,336 |
| Total risk-based capital ratio | 14.0127% | 4,288 |
| Memoranda: | ||
| Average total assets | $115,067,500 | 4,717 |
| Average earning assets | $105,673,250 | 4,719 |
| Average equity | $10,739,750 | 5,129 |
| Average total loans | $71,134,750 | 4,871 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7275% | 3,401 |
| Cost of funding earning assets | 2.8354% | 718 |
| Net interest margin | 2.8921% | 6,820 |
| Noninterest income to average assets | -0.5710% | 8,125 |
| Noninterest expense to average assets | 2.5757% | 5,832 |
| Loan and lease loss provision to assets | 0.9980% | 1,684 |
| Net operating income to assets | -0.8549% | 6,867 |
| Return on assets (ROA) | -0.7758% | 6,818 |
| Pretax return on assets | -1.3746% | 7,020 |
| Return on Equity (ROE) | -8.2801% | 6,916 |
| Retained earnings to average equity (ytd only) | -14.1891% | 7,191 |
| Net charge-offs to loans | 0.6306% | 2,457 |
| Credit loss provision to net charge-offs | 253.3040% | 1,837 |
| Earnings coverage of net charge-offs (x) | -1.2423% | 6,277 |
| Efficiency ratio | 123.4609% | 612 |
| Assets per employee ($millions) | 3.7185% | 4,281 |
| Cash dividends to net income (ytd only)* | -71.3647% | 8,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 3,644 |
| Loan loss allowance to noncurrent loans | 48.6974% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 2.9694% | 2,143 |
| Noncurrent loans to loans | 2.9071% | 2,478 |
| Net loans and leases to total assets | 58.7192% | 5,871 |
| Net loans and leases to deposits | 78.0580% | 4,861 |
| Net loans and leases to core deposits | 93.2753% | 5,206 |
| Total domestic deposits to total assets | 75.2251% | 6,716 |
| Equity capital to assets | 9.0038% | 5,312 |
| Core capital (leverage) ratio | 7.7951% | 6,621 |
| Tier 1 risk-based capital ratio | 12.5962% | 4,447 |
| Total risk-based capital ratio | 13.8607% | 4,350 |
| Memoranda: | ||
| Average total assets | $115,233,000 | 4,744 |
| Average earning assets | $105,874,670 | 4,729 |
| Average equity | $10,797,000 | 5,140 |
| Average total loans | $71,989,330 | 4,886 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8794% | 2,897 |
| Cost of funding earning assets | 2.8490% | 871 |
| Net interest margin | 3.0304% | 6,399 |
| Noninterest income to average assets | 0.3021% | 6,022 |
| Noninterest expense to average assets | 2.5414% | 5,682 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4114% | 4,814 |
| Return on assets (ROA) | 0.4861% | 4,678 |
| Pretax return on assets | 0.6319% | 4,650 |
| Return on Equity (ROE) | 5.0881% | 4,442 |
| Retained earnings to average equity (ytd only) | -6.5055% | 6,743 |
| Net charge-offs to loans | 0.0163% | 5,351 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 697 |
| Efficiency ratio | 82.3397% | 2,491 |
| Assets per employee ($millions) | 3.7007% | 4,339 |
| Cash dividends to net income (ytd only)* | 227.8571% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 6,895 |
| Loan loss allowance to noncurrent loans | 42.7981% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.8294% | 2,008 |
| Noncurrent loans to loans | 2.0199% | 3,237 |
| Net loans and leases to total assets | 62.0747% | 5,306 |
| Net loans and leases to deposits | 81.3688% | 4,395 |
| Net loans and leases to core deposits | 96.2572% | 4,938 |
| Total domestic deposits to total assets | 76.2881% | 6,456 |
| Equity capital to assets | 9.5133% | 4,644 |
| Core capital (leverage) ratio | 8.5455% | 5,439 |
| Tier 1 risk-based capital ratio | 13.3118% | 3,986 |
| Total risk-based capital ratio | 14.1755% | 4,159 |
| Memoranda: | ||
| Average total assets | $115,212,500 | 4,767 |
| Average earning assets | $105,861,000 | 4,751 |
| Average equity | $11,006,000 | 5,109 |
| Average total loans | $73,654,000 | 4,848 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3769% | 3,538 |
| Cost of funding earning assets | 3.1374% | 1,389 |
| Net interest margin | 3.2394% | 6,243 |
| Noninterest income to average assets | 0.2629% | 6,572 |
| Noninterest expense to average assets | 2.5943% | 5,677 |
| Loan and lease loss provision to assets | 0.0224% | 7,117 |
| Net operating income to assets | 0.4344% | 5,016 |
| Return on assets (ROA) | 0.5008% | 4,577 |
| Pretax return on assets | 0.6752% | 4,466 |
| Return on Equity (ROE) | 5.0475% | 4,364 |
| Retained earnings to average equity (ytd only) | -3.6054% | 6,243 |
| Net charge-offs to loans | 0.3504% | 3,078 |
| Credit loss provision to net charge-offs | 9.2937% | 6,625 |
| Earnings coverage of net charge-offs (x) | 2.5874% | 4,792 |
| Efficiency ratio | 80.6505% | 2,509 |
| Assets per employee ($millions) | 3.4030% | 4,933 |
| Cash dividends to net income (ytd only)* | 171.4286% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 6,997 |
| Loan loss allowance to noncurrent loans | 37.6357% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 2.9844% | 1,539 |
| Noncurrent loans to loans | 2.1968% | 2,516 |
| Net loans and leases to total assets | 64.6912% | 5,129 |
| Net loans and leases to deposits | 87.3965% | 3,881 |
| Net loans and leases to core deposits | 101.0149% | 4,720 |
| Total domestic deposits to total assets | 74.0203% | 6,651 |
| Equity capital to assets | 9.5919% | 4,554 |
| Core capital (leverage) ratio | 8.5346% | 5,511 |
| Tier 1 risk-based capital ratio | 13.2296% | 3,977 |
| Total risk-based capital ratio | 14.0762% | 4,131 |
| Memoranda: | ||
| Average total assets | $111,821,000 | 4,728 |
| Average earning assets | $101,962,000 | 4,752 |
| Average equity | $11,094,600 | 5,098 |
| Average total loans | $76,780,200 | 4,623 |