Home > First Bank and Trust Company > Performance and Condition Ratios
First Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 3,912 |
| Cost of funding earning assets | 1.4591% | 2,053 |
| Net interest margin | 2.5732% | 4,007 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.5612% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2589% | 4,084 |
| Return on assets (ROA) | 0.2742% | 4,068 |
| Pretax return on assets | 0.2869% | 4,104 |
| Return on Equity (ROE) | 4.1100% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.1062% | 2,921 |
| Net charge-offs to loans | 0.0958% | 936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 5.3125% | 2,534 |
| Efficiency ratio | 90.4315% | 400 |
| Assets per employee ($millions) | 7.4370% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,271 |
| Loan loss allowance to noncurrent loans | 2,316.1290% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 3,438 |
| Noncurrent loans to loans | 0.0618% | 3,272 |
| Net loans and leases to total assets | 51.1100% | 3,537 |
| Net loans and leases to deposits | 65.2432% | 3,220 |
| Net loans and leases to core deposits | 68.6832% | 3,369 |
| Total domestic deposits to total assets | 78.3300% | 3,691 |
| Equity capital to assets | 7.3489% | 3,794 |
| Core capital (leverage) ratio | 9.0061% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7283% | 964 |
| Memoranda: | ||
| Average total assets | $94,098,000 | 3,878 |
| Average earning assets | $90,469,600 | 3,831 |
| Average equity | $6,283,200 | 4,134 |
| Average total loans | $50,107,000 | 3,840 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,995 |
| Cost of funding earning assets | 1.2980% | 2,154 |
| Net interest margin | 2.6004% | 4,031 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.4925% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3226% | 4,091 |
| Return on assets (ROA) | 0.2183% | 4,223 |
| Pretax return on assets | 0.2497% | 4,204 |
| Return on Equity (ROE) | 3.3600% | 4,065 |
| Retained earnings to average equity (ytd only) | 3.3564% | 3,429 |
| Net charge-offs to loans | 0.1437% | 573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4.7963% | 2,374 |
| Efficiency ratio | 87.0887% | 472 |
| Assets per employee ($millions) | 7.3126% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 1,435 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 52.6500% | 3,449 |
| Net loans and leases to deposits | 70.0428% | 2,839 |
| Net loans and leases to core deposits | 74.2762% | 2,982 |
| Total domestic deposits to total assets | 75.1700% | 4,083 |
| Equity capital to assets | 6.1548% | 3,932 |
| Core capital (leverage) ratio | 9.1778% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6786% | 991 |
| Memoranda: | ||
| Average total assets | $93,452,250 | 3,899 |
| Average earning assets | $89,982,500 | 3,850 |
| Average equity | $6,077,750 | 4,161 |
| Average total loans | $50,101,750 | 3,851 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7899% | 4,030 |
| Cost of funding earning assets | 1.1432% | 2,155 |
| Net interest margin | 2.6467% | 4,046 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.4926% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3870% | 4,026 |
| Return on assets (ROA) | 0.3573% | 4,098 |
| Pretax return on assets | 0.3896% | 4,133 |
| Return on Equity (ROE) | 5.4000% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.3954% | 2,825 |
| Net charge-offs to loans | 0.1564% | 499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 5.0256% | 2,194 |
| Efficiency ratio | 85.5244% | 519 |
| Assets per employee ($millions) | 7.0710% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 1,218 |
| Loan loss allowance to noncurrent loans | 3,304.5455% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,555 |
| Noncurrent loans to loans | 0.0450% | 3,396 |
| Net loans and leases to total assets | 52.3800% | 3,380 |
| Net loans and leases to deposits | 62.2698% | 3,289 |
| Net loans and leases to core deposits | 67.1080% | 3,283 |
| Total domestic deposits to total assets | 84.1200% | 2,796 |
| Equity capital to assets | 6.7491% | 3,898 |
| Core capital (leverage) ratio | 9.2120% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3651% | 905 |
| Memoranda: | ||
| Average total assets | $92,915,000 | 3,915 |
| Average earning assets | $89,394,333 | 3,871 |
| Average equity | $6,153,333 | 4,178 |
| Average total loans | $49,880,333 | 3,864 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6874% | 4,041 |
| Cost of funding earning assets | 0.8873% | 2,412 |
| Net interest margin | 2.8001% | 3,944 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.3937% | 2,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6908% | 3,494 |
| Return on assets (ROA) | 0.8736% | 2,897 |
| Pretax return on assets | 0.9035% | 3,231 |
| Return on Equity (ROE) | 13.3200% | 1,921 |
| Retained earnings to average equity (ytd only) | 13.3159% | 1,040 |
| Net charge-offs to loans | -0.0079% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.9972% | 1,083 |
| Assets per employee ($millions) | 6.6086% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 932 |
| Loan loss allowance to noncurrent loans | 1,198.4375% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 3,108 |
| Noncurrent loans to loans | 0.1367% | 2,820 |
| Net loans and leases to total assets | 49.7800% | 3,510 |
| Net loans and leases to deposits | 58.3678% | 3,432 |
| Net loans and leases to core deposits | 61.9667% | 3,449 |
| Total domestic deposits to total assets | 85.2900% | 2,782 |
| Equity capital to assets | 6.9931% | 3,835 |
| Core capital (leverage) ratio | 9.2509% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9149% | 859 |
| Memoranda: | ||
| Average total assets | $93,411,000 | 3,963 |
| Average earning assets | $89,711,000 | 3,919 |
| Average equity | $6,128,000 | 4,228 |
| Average total loans | $50,381,000 | 3,902 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4590% | 3,184 |
| Cost of funding earning assets | 0.4389% | 1,797 |
| Net interest margin | 3.0201% | 3,397 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.3513% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8890% | 3,010 |
| Return on assets (ROA) | 0.5804% | 3,887 |
| Pretax return on assets | 0.5990% | 4,029 |
| Return on Equity (ROE) | 8.6000% | 3,231 |
| Retained earnings to average equity (ytd only) | 8.6048% | 1,603 |
| Net charge-offs to loans | 0.0059% | 2,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 279.6667% | 515 |
| Efficiency ratio | 71.9398% | 1,452 |
| Assets per employee ($millions) | 7.2540% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,435 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.3800% | 2,988 |
| Net loans and leases to deposits | 71.0624% | 2,481 |
| Net loans and leases to core deposits | 74.3245% | 2,546 |
| Total domestic deposits to total assets | 79.3400% | 3,959 |
| Equity capital to assets | 6.1356% | 4,039 |
| Core capital (leverage) ratio | 8.9153% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2915% | 1,294 |
| Memoranda: | ||
| Average total assets | $91,482,800 | 3,998 |
| Average earning assets | $88,406,400 | 3,946 |
| Average equity | $6,171,000 | 4,311 |
| Average total loans | $50,600,600 | 3,880 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 3,059 |
| Cost of funding earning assets | 0.3367% | 1,806 |
| Net interest margin | 3.0102% | 3,194 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.3441% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8518% | 3,057 |
| Return on assets (ROA) | 0.4406% | 4,123 |
| Pretax return on assets | 0.4729% | 4,181 |
| Return on Equity (ROE) | 6.3800% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.3822% | 2,604 |
| Net charge-offs to loans | 0.0054% | 1,974 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 311.5000% | 459 |
| Efficiency ratio | 71.9243% | 1,523 |
| Assets per employee ($millions) | 7.2586% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.9600% | 2,905 |
| Net loans and leases to deposits | 73.8123% | 2,073 |
| Net loans and leases to core deposits | 75.5342% | 2,234 |
| Total domestic deposits to total assets | 75.8200% | 4,374 |
| Equity capital to assets | 5.2987% | 4,192 |
| Core capital (leverage) ratio | 8.6636% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0189% | 1,420 |
| Memoranda: | ||
| Average total assets | $90,778,000 | 4,033 |
| Average earning assets | $87,922,000 | 3,975 |
| Average equity | $6,267,250 | 4,338 |
| Average total loans | $49,766,500 | 3,915 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1810% | 3,102 |
| Cost of funding earning assets | 0.2735% | 1,980 |
| Net interest margin | 2.9074% | 3,147 |
| Noninterest income to average assets | 0.3527% | 3,042 |
| Noninterest expense to average assets | 2.3799% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7090% | 3,282 |
| Return on assets (ROA) | 0.2679% | 4,293 |
| Pretax return on assets | 0.3014% | 4,295 |
| Return on Equity (ROE) | 3.5876% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.5876% | 3,238 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9122% | 1,398 |
| Assets per employee ($millions) | 7.1285% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 1,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 54.5301% | 2,907 |
| Net loans and leases to deposits | 66.2398% | 2,524 |
| Net loans and leases to core deposits | 67.6833% | 2,682 |
| Total domestic deposits to total assets | 82.3222% | 3,965 |
| Equity capital to assets | 6.2210% | 4,126 |
| Core capital (leverage) ratio | 8.7383% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2902% | 1,362 |
| Memoranda: | ||
| Average total assets | $89,583,333 | 4,084 |
| Average earning assets | $87,018,000 | 4,038 |
| Average equity | $6,689,667 | 4,351 |
| Average total loans | $48,496,667 | 3,982 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0659% | 3,065 |
| Cost of funding earning assets | 0.2808% | 1,810 |
| Net interest margin | 2.7851% | 3,186 |
| Noninterest income to average assets | 0.3408% | 3,052 |
| Noninterest expense to average assets | 2.4807% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5270% | 3,636 |
| Return on assets (ROA) | -0.0545% | 4,556 |
| Pretax return on assets | -0.0182% | 4,528 |
| Return on Equity (ROE) | -0.6711% | 4,572 |
| Retained earnings to average equity (ytd only) | -0.6711% | 4,107 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4925% | 1,027 |
| Assets per employee ($millions) | 6.9454% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 1,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.6832% | 3,207 |
| Net loans and leases to deposits | 59.0825% | 2,981 |
| Net loans and leases to core deposits | 60.3739% | 3,110 |
| Total domestic deposits to total assets | 84.0913% | 3,749 |
| Equity capital to assets | 6.9443% | 4,236 |
| Core capital (leverage) ratio | 8.8113% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9846% | 1,046 |
| Memoranda: | ||
| Average total assets | $88,040,000 | 4,122 |
| Average earning assets | $85,455,500 | 4,066 |
| Average equity | $7,152,000 | 4,349 |
| Average total loans | $47,094,000 | 4,023 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6061% | 2,376 |
| Cost of funding earning assets | 0.3462% | 1,968 |
| Net interest margin | 3.2598% | 2,434 |
| Noninterest income to average assets | 0.4062% | 3,016 |
| Noninterest expense to average assets | 2.5682% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9635% | 2,823 |
| Return on assets (ROA) | 0.9017% | 3,101 |
| Pretax return on assets | 0.9363% | 3,403 |
| Return on Equity (ROE) | 9.0817% | 2,882 |
| Retained earnings to average equity (ytd only) | 4.8108% | 2,855 |
| Net charge-offs to loans | 0.0204% | 1,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 93.3333% | 906 |
| Efficiency ratio | 71.9626% | 1,517 |
| Assets per employee ($millions) | 5.7193% | 3,034 |
| Cash dividends to net income (ytd only)* | 47.0277% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 1,295 |
| Loan loss allowance to noncurrent loans | 19,225.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 4,127 |
| Noncurrent loans to loans | 0.0082% | 4,045 |
| Net loans and leases to total assets | 55.7070% | 2,653 |
| Net loans and leases to deposits | 68.6633% | 2,248 |
| Net loans and leases to core deposits | 70.2995% | 2,414 |
| Total domestic deposits to total assets | 81.1307% | 4,092 |
| Equity capital to assets | 9.3647% | 3,259 |
| Core capital (leverage) ratio | 9.4378% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9037% | 1,288 |
| Memoranda: | ||
| Average total assets | $83,949,800 | 4,167 |
| Average earning assets | $81,446,400 | 4,107 |
| Average equity | $8,335,400 | 4,307 |
| Average total loans | $44,219,400 | 4,103 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6915% | 2,298 |
| Cost of funding earning assets | 0.3604% | 2,015 |
| Net interest margin | 3.3311% | 2,335 |
| Noninterest income to average assets | 0.3897% | 3,147 |
| Noninterest expense to average assets | 2.4386% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1465% | 2,379 |
| Return on assets (ROA) | 1.0923% | 2,640 |
| Pretax return on assets | 1.1275% | 3,140 |
| Return on Equity (ROE) | 10.8430% | 2,418 |
| Retained earnings to average equity (ytd only) | 10.8430% | 1,097 |
| Net charge-offs to loans | 0.0155% | 1,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 148.2000% | 683 |
| Efficiency ratio | 67.3280% | 1,926 |
| Assets per employee ($millions) | 6.1584% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 1,240 |
| Loan loss allowance to noncurrent loans | 9,662.5000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 4,176 |
| Noncurrent loans to loans | 0.0170% | 4,076 |
| Net loans and leases to total assets | 53.7214% | 3,005 |
| Net loans and leases to deposits | 67.5283% | 2,480 |
| Net loans and leases to core deposits | 69.1588% | 2,668 |
| Total domestic deposits to total assets | 79.5539% | 4,289 |
| Equity capital to assets | 9.9261% | 2,971 |
| Core capital (leverage) ratio | 9.6539% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9675% | 1,137 |
| Memoranda: | ||
| Average total assets | $83,489,750 | 4,221 |
| Average earning assets | $81,013,250 | 4,169 |
| Average equity | $8,410,750 | 4,360 |
| Average total loans | $43,134,250 | 4,183 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 1,889 |
| Cost of funding earning assets | 0.3739% | 2,097 |
| Net interest margin | 3.4998% | 1,857 |
| Noninterest income to average assets | 0.3730% | 3,249 |
| Noninterest expense to average assets | 2.4122% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3233% | 1,793 |
| Return on assets (ROA) | 1.2763% | 2,008 |
| Pretax return on assets | 1.3127% | 2,597 |
| Return on Equity (ROE) | 12.6051% | 1,850 |
| Retained earnings to average equity (ytd only) | 12.6051% | 790 |
| Net charge-offs to loans | 0.0191% | 1,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 140.5000% | 615 |
| Efficiency ratio | 63.9281% | 2,437 |
| Assets per employee ($millions) | 6.0185% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.6973% | 3,487 |
| Net loans and leases to deposits | 62.8210% | 3,123 |
| Net loans and leases to core deposits | 64.3474% | 3,262 |
| Total domestic deposits to total assets | 80.7012% | 4,125 |
| Equity capital to assets | 10.1046% | 2,759 |
| Core capital (leverage) ratio | 9.6162% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1180% | 936 |
| Memoranda: | ||
| Average total assets | $82,580,667 | 4,257 |
| Average earning assets | $80,234,000 | 4,203 |
| Average equity | $8,361,667 | 4,385 |
| Average total loans | $41,815,667 | 4,237 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 1,316 |
| Cost of funding earning assets | 0.3883% | 2,192 |
| Net interest margin | 3.7467% | 1,239 |
| Noninterest income to average assets | 0.3328% | 3,436 |
| Noninterest expense to average assets | 2.4272% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5052% | 1,319 |
| Return on assets (ROA) | 1.4093% | 1,616 |
| Pretax return on assets | 1.4436% | 2,153 |
| Return on Equity (ROE) | 13.9038% | 1,450 |
| Retained earnings to average equity (ytd only) | 13.9038% | 765 |
| Net charge-offs to loans | 0.0390% | 1,082 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 78.7500% | 711 |
| Efficiency ratio | 61.1591% | 2,881 |
| Assets per employee ($millions) | 5.9636% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.7753% | 3,736 |
| Net loans and leases to deposits | 60.0404% | 3,479 |
| Net loans and leases to core deposits | 61.0384% | 3,640 |
| Total domestic deposits to total assets | 81.2375% | 4,023 |
| Equity capital to assets | 9.8837% | 2,814 |
| Core capital (leverage) ratio | 9.5608% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5297% | 846 |
| Memoranda: | ||
| Average total assets | $81,741,500 | 4,285 |
| Average earning assets | $79,323,500 | 4,228 |
| Average equity | $8,285,500 | 4,409 |
| Average total loans | $40,978,000 | 4,281 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 3,283 |
| Cost of funding earning assets | 0.5751% | 2,482 |
| Net interest margin | 3.2312% | 3,270 |
| Noninterest income to average assets | 0.4089% | 3,051 |
| Noninterest expense to average assets | 2.7082% | 2,218 |
| Loan and lease loss provision to assets | 0.0797% | 3,382 |
| Net operating income to assets | 0.7139% | 3,388 |
| Return on assets (ROA) | 0.8019% | 3,202 |
| Pretax return on assets | 0.8377% | 3,541 |
| Return on Equity (ROE) | 7.3056% | 3,074 |
| Retained earnings to average equity (ytd only) | 2.9150% | 3,411 |
| Net charge-offs to loans | -0.0050% | 4,131 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6341% | 1,159 |
| Assets per employee ($millions) | 5.7137% | 2,609 |
| Cash dividends to net income (ytd only)* | 60.0993% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9229% | 689 |
| Loan loss allowance to noncurrent loans | 416.0428% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 3,119 |
| Noncurrent loans to loans | 0.4622% | 2,579 |
| Net loans and leases to total assets | 49.6062% | 3,851 |
| Net loans and leases to deposits | 61.6069% | 3,636 |
| Net loans and leases to core deposits | 62.6823% | 3,794 |
| Total domestic deposits to total assets | 80.5206% | 3,955 |
| Equity capital to assets | 10.3998% | 2,758 |
| Core capital (leverage) ratio | 9.9516% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1684% | 1,028 |
| Memoranda: | ||
| Average total assets | $75,325,400 | 4,305 |
| Average earning assets | $72,853,200 | 4,257 |
| Average equity | $8,267,600 | 4,392 |
| Average total loans | $39,840,600 | 4,312 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 3,124 |
| Cost of funding earning assets | 0.6190% | 2,493 |
| Net interest margin | 3.3272% | 3,109 |
| Noninterest income to average assets | 0.4171% | 2,998 |
| Noninterest expense to average assets | 2.6771% | 2,321 |
| Loan and lease loss provision to assets | 0.1079% | 2,973 |
| Net operating income to assets | 0.8251% | 2,999 |
| Return on assets (ROA) | 0.9367% | 2,707 |
| Pretax return on assets | 0.9655% | 3,176 |
| Return on Equity (ROE) | 8.4151% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.4151% | 1,166 |
| Net charge-offs to loans | -0.0067% | 4,125 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6400% | 1,446 |
| Assets per employee ($millions) | 5.4699% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 627 |
| Loan loss allowance to noncurrent loans | 387.0647% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 3,129 |
| Noncurrent loans to loans | 0.4819% | 2,619 |
| Net loans and leases to total assets | 53.4494% | 3,852 |
| Net loans and leases to deposits | 69.6011% | 3,345 |
| Net loans and leases to core deposits | 70.9290% | 3,562 |
| Total domestic deposits to total assets | 76.7939% | 4,349 |
| Equity capital to assets | 11.3047% | 2,147 |
| Core capital (leverage) ratio | 10.4223% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2442% | 875 |
| Memoranda: | ||
| Average total assets | $74,158,750 | 4,328 |
| Average earning assets | $71,729,250 | 4,286 |
| Average equity | $8,254,750 | 4,414 |
| Average total loans | $39,686,000 | 4,337 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 3,141 |
| Cost of funding earning assets | 0.6579% | 2,644 |
| Net interest margin | 3.4079% | 3,074 |
| Noninterest income to average assets | 0.4117% | 3,009 |
| Noninterest expense to average assets | 2.5821% | 2,727 |
| Loan and lease loss provision to assets | 0.1636% | 2,364 |
| Net operating income to assets | 0.9357% | 2,554 |
| Return on assets (ROA) | 1.0934% | 2,111 |
| Pretax return on assets | 1.1179% | 2,658 |
| Return on Equity (ROE) | 9.8760% | 2,021 |
| Retained earnings to average equity (ytd only) | 9.8760% | 812 |
| Net charge-offs to loans | -0.0051% | 4,019 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7349% | 1,991 |
| Assets per employee ($millions) | 5.4494% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 500 |
| Loan loss allowance to noncurrent loans | 334.9138% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 3,092 |
| Noncurrent loans to loans | 0.5757% | 2,430 |
| Net loans and leases to total assets | 51.8003% | 4,043 |
| Net loans and leases to deposits | 67.8543% | 3,583 |
| Net loans and leases to core deposits | 69.1557% | 3,765 |
| Total domestic deposits to total assets | 76.3406% | 4,393 |
| Equity capital to assets | 11.2032% | 2,178 |
| Core capital (leverage) ratio | 10.5647% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1499% | 887 |
| Memoranda: | ||
| Average total assets | $73,352,000 | 4,347 |
| Average earning assets | $70,835,333 | 4,294 |
| Average equity | $8,120,667 | 4,443 |
| Average total loans | $39,011,667 | 4,366 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 3,989 |
| Cost of funding earning assets | 0.7048% | 2,912 |
| Net interest margin | 3.2179% | 3,813 |
| Noninterest income to average assets | 0.3951% | 3,136 |
| Noninterest expense to average assets | 2.6376% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8375% | 2,757 |
| Return on assets (ROA) | 0.9738% | 2,373 |
| Pretax return on assets | 0.9961% | 2,853 |
| Return on Equity (ROE) | 8.8524% | 2,171 |
| Retained earnings to average equity (ytd only) | 8.8524% | 1,013 |
| Net charge-offs to loans | -0.0104% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4777% | 1,622 |
| Assets per employee ($millions) | 5.1009% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9023% | 603 |
| Loan loss allowance to noncurrent loans | 874.3902% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 4,048 |
| Noncurrent loans to loans | 0.2176% | 3,701 |
| Net loans and leases to total assets | 51.7749% | 4,131 |
| Net loans and leases to deposits | 65.4060% | 3,901 |
| Net loans and leases to core deposits | 66.3949% | 4,061 |
| Total domestic deposits to total assets | 79.1593% | 4,016 |
| Equity capital to assets | 11.4517% | 2,486 |
| Core capital (leverage) ratio | 10.7125% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6752% | 902 |
| Memoranda: | ||
| Average total assets | $71,882,500 | 4,377 |
| Average earning assets | $69,237,500 | 4,324 |
| Average equity | $7,907,500 | 4,491 |
| Average total loans | $38,369,500 | 4,407 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9475% | 4,356 |
| Cost of funding earning assets | 0.7517% | 2,908 |
| Net interest margin | 3.1958% | 4,192 |
| Noninterest income to average assets | 0.4145% | 3,207 |
| Noninterest expense to average assets | 2.8686% | 2,380 |
| Loan and lease loss provision to assets | 0.0712% | 2,577 |
| Net operating income to assets | 0.5375% | 4,316 |
| Return on assets (ROA) | 0.6196% | 4,167 |
| Pretax return on assets | 0.6424% | 4,345 |
| Return on Equity (ROE) | 5.8700% | 3,956 |
| Retained earnings to average equity (ytd only) | 2.5234% | 3,768 |
| Net charge-offs to loans | 0.0055% | 3,479 |
| Credit loss provision to net charge-offs | 2,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 220.5000% | 369 |
| Efficiency ratio | 82.0367% | 797 |
| Assets per employee ($millions) | 5.1680% | 2,373 |
| Cash dividends to net income (ytd only)* | 57.0115% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 52.9799% | 4,148 |
| Net loans and leases to deposits | 70.1666% | 3,655 |
| Net loans and leases to core deposits | 70.8016% | 3,921 |
| Total domestic deposits to total assets | 75.5059% | 4,654 |
| Equity capital to assets | 10.5553% | 3,395 |
| Core capital (leverage) ratio | 10.7072% | 2,754 |
| Tier 1 risk-based capital ratio | 17.1134% | 2,021 |
| Total risk-based capital ratio | 18.3669% | 1,950 |
| Memoranda: | ||
| Average total assets | $70,208,200 | 4,426 |
| Average earning assets | $67,713,400 | 4,376 |
| Average equity | $7,410,600 | 4,585 |
| Average total loans | $36,379,200 | 4,493 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 4,536 |
| Cost of funding earning assets | 0.7469% | 2,982 |
| Net interest margin | 3.1580% | 4,387 |
| Noninterest income to average assets | 0.3540% | 3,609 |
| Noninterest expense to average assets | 2.8916% | 2,288 |
| Loan and lease loss provision to assets | 0.0478% | 2,935 |
| Net operating income to assets | 0.4478% | 4,626 |
| Return on assets (ROA) | 0.5856% | 4,378 |
| Pretax return on assets | 0.6085% | 4,526 |
| Return on Equity (ROE) | 5.5479% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.5479% | 2,599 |
| Net charge-offs to loans | 0.0075% | 3,112 |
| Credit loss provision to net charge-offs | 1,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 133.8277% | 595 |
| Efficiency ratio | 84.9354% | 556 |
| Assets per employee ($millions) | 4.8911% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 53.1084% | 4,246 |
| Net loans and leases to deposits | 70.1369% | 3,760 |
| Net loans and leases to core deposits | 70.8033% | 4,012 |
| Total domestic deposits to total assets | 75.7211% | 4,674 |
| Equity capital to assets | 11.3457% | 2,799 |
| Core capital (leverage) ratio | 10.9485% | 2,691 |
| Tier 1 risk-based capital ratio | 18.7438% | 1,625 |
| Total risk-based capital ratio | 19.9980% | 1,590 |
| Memoranda: | ||
| Average total assets | $69,672,250 | 4,488 |
| Average earning assets | $67,298,250 | 4,438 |
| Average equity | $7,354,000 | 4,647 |
| Average total loans | $35,712,000 | 4,571 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 4,731 |
| Cost of funding earning assets | 0.7120% | 3,102 |
| Net interest margin | 3.0727% | 4,579 |
| Noninterest income to average assets | 0.3454% | 3,622 |
| Noninterest expense to average assets | 2.8856% | 2,319 |
| Loan and lease loss provision to assets | 0.0714% | 2,388 |
| Net operating income to assets | 0.3441% | 4,811 |
| Return on assets (ROA) | 0.5195% | 4,519 |
| Pretax return on assets | 0.5395% | 4,643 |
| Return on Equity (ROE) | 5.0446% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.0446% | 2,749 |
| Net charge-offs to loans | 0.0057% | 2,948 |
| Credit loss provision to net charge-offs | 2,500.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 497 |
| Efficiency ratio | 87.0801% | 492 |
| Assets per employee ($millions) | 4.3541% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 49.4854% | 4,495 |
| Net loans and leases to deposits | 68.2140% | 3,954 |
| Net loans and leases to core deposits | 69.5601% | 4,131 |
| Total domestic deposits to total assets | 72.5443% | 4,940 |
| Equity capital to assets | 10.8964% | 3,179 |
| Core capital (leverage) ratio | 10.7470% | 2,841 |
| Tier 1 risk-based capital ratio | 19.1828% | 1,516 |
| Total risk-based capital ratio | 20.4387% | 1,476 |
| Memoranda: | ||
| Average total assets | $70,071,330 | 4,517 |
| Average earning assets | $67,692,330 | 4,464 |
| Average equity | $7,215,670 | 4,691 |
| Average total loans | $35,263,670 | 4,618 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 4,806 |
| Cost of funding earning assets | 0.6845% | 3,128 |
| Net interest margin | 3.0448% | 4,684 |
| Noninterest income to average assets | 0.2903% | 3,936 |
| Noninterest expense to average assets | 2.9314% | 2,182 |
| Loan and lease loss provision to assets | 0.1423% | 1,203 |
| Net operating income to assets | 0.1466% | 5,057 |
| Return on assets (ROA) | 0.3358% | 4,866 |
| Pretax return on assets | 0.3529% | 4,897 |
| Return on Equity (ROE) | 3.3580% | 4,708 |
| Retained earnings to average equity (ytd only) | 3.3580% | 3,576 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8289% | 363 |
| Assets per employee ($millions) | 4.2456% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0765% | 432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.1083% | 4,581 |
| Net loans and leases to deposits | 62.4869% | 4,272 |
| Net loans and leases to core deposits | 63.6739% | 4,399 |
| Total domestic deposits to total assets | 76.9895% | 4,653 |
| Equity capital to assets | 10.6153% | 3,241 |
| Core capital (leverage) ratio | 10.5322% | 3,012 |
| Tier 1 risk-based capital ratio | 19.6483% | 1,411 |
| Total risk-based capital ratio | 20.9051% | 1,386 |
| Memoranda: | ||
| Average total assets | $70,274,500 | 4,567 |
| Average earning assets | $67,788,000 | 4,516 |
| Average equity | $7,028,000 | 4,748 |
| Average total loans | $35,312,500 | 4,659 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7486% | 4,593 |
| Cost of funding earning assets | 0.6485% | 2,401 |
| Net interest margin | 3.1001% | 4,650 |
| Noninterest income to average assets | 0.2762% | 4,255 |
| Noninterest expense to average assets | 2.5953% | 3,348 |
| Loan and lease loss provision to assets | 0.1717% | 1,160 |
| Net operating income to assets | 0.4875% | 4,687 |
| Return on assets (ROA) | 0.4795% | 4,704 |
| Pretax return on assets | 0.4960% | 4,805 |
| Return on Equity (ROE) | 5.1843% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.0999% | 3,302 |
| Net charge-offs to loans | 0.0057% | 3,506 |
| Credit loss provision to net charge-offs | 6,250.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 246.0000% | 381 |
| Efficiency ratio | 79.3364% | 1,015 |
| Assets per employee ($millions) | 4.5387% | 3,110 |
| Cash dividends to net income (ytd only)* | 20.9169% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 50.3780% | 4,496 |
| Net loans and leases to deposits | 65.2121% | 4,173 |
| Net loans and leases to core deposits | 68.8614% | 4,182 |
| Total domestic deposits to total assets | 77.2525% | 4,592 |
| Equity capital to assets | 9.4259% | 4,193 |
| Core capital (leverage) ratio | 9.9837% | 3,597 |
| Tier 1 risk-based capital ratio | 17.2677% | 1,964 |
| Total risk-based capital ratio | 18.5198% | 1,921 |
| Memoranda: | ||
| Average total assets | $72,784,600 | 4,539 |
| Average earning assets | $70,320,400 | 4,490 |
| Average equity | $6,731,800 | 4,789 |
| Average total loans | $35,291,000 | 4,678 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6932% | 4,666 |
| Cost of funding earning assets | 0.5976% | 2,488 |
| Net interest margin | 3.0956% | 4,713 |
| Noninterest income to average assets | 0.2472% | 4,501 |
| Noninterest expense to average assets | 2.5906% | 3,309 |
| Loan and lease loss provision to assets | 0.0458% | 3,074 |
| Net operating income to assets | 0.5818% | 4,548 |
| Return on assets (ROA) | 0.5712% | 4,585 |
| Pretax return on assets | 0.5968% | 4,736 |
| Return on Equity (ROE) | 6.2056% | 4,197 |
| Retained earnings to average equity (ytd only) | 6.2056% | 2,546 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8533% | 955 |
| Assets per employee ($millions) | 4.7984% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,154 |
| Loan loss allowance to noncurrent loans | 2,280.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,809 |
| Noncurrent loans to loans | 0.0688% | 4,571 |
| Net loans and leases to total assets | 49.6638% | 4,619 |
| Net loans and leases to deposits | 68.2475% | 4,042 |
| Net loans and leases to core deposits | 72.3515% | 4,055 |
| Total domestic deposits to total assets | 72.7701% | 5,076 |
| Equity capital to assets | 9.1850% | 4,380 |
| Core capital (leverage) ratio | 9.9012% | 3,741 |
| Tier 1 risk-based capital ratio | 17.6273% | 1,893 |
| Total risk-based capital ratio | 18.8784% | 1,848 |
| Memoranda: | ||
| Average total assets | $72,826,000 | 4,593 |
| Average earning assets | $70,506,500 | 4,533 |
| Average equity | $6,703,500 | 4,843 |
| Average total loans | $34,800,750 | 4,741 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5812% | 4,792 |
| Cost of funding earning assets | 0.5286% | 2,771 |
| Net interest margin | 3.0526% | 4,808 |
| Noninterest income to average assets | 0.2544% | 4,487 |
| Noninterest expense to average assets | 2.5414% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6422% | 4,369 |
| Return on assets (ROA) | 0.6265% | 4,422 |
| Pretax return on assets | 0.6511% | 4,639 |
| Return on Equity (ROE) | 6.8010% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.8010% | 2,165 |
| Net charge-offs to loans | -0.0058% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1986% | 1,094 |
| Assets per employee ($millions) | 5.1868% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 1,250 |
| Loan loss allowance to noncurrent loans | 1,950.0000% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 4,834 |
| Noncurrent loans to loans | 0.0793% | 4,556 |
| Net loans and leases to total assets | 47.8510% | 4,727 |
| Net loans and leases to deposits | 66.8430% | 4,115 |
| Net loans and leases to core deposits | 68.1127% | 4,247 |
| Total domestic deposits to total assets | 71.5871% | 5,205 |
| Equity capital to assets | 9.2075% | 4,376 |
| Core capital (leverage) ratio | 9.7675% | 3,821 |
| Tier 1 risk-based capital ratio | 18.0149% | 1,792 |
| Total risk-based capital ratio | 19.2647% | 1,760 |
| Memoranda: | ||
| Average total assets | $73,109,330 | 4,637 |
| Average earning assets | $70,759,330 | 4,573 |
| Average equity | $6,734,330 | 4,884 |
| Average total loans | $34,295,670 | 4,803 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4797% | 4,916 |
| Cost of funding earning assets | 0.4794% | 2,970 |
| Net interest margin | 3.0004% | 4,883 |
| Noninterest income to average assets | 0.1799% | 4,950 |
| Noninterest expense to average assets | 2.6010% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4580% | 4,795 |
| Return on assets (ROA) | 0.4580% | 4,795 |
| Pretax return on assets | 0.4798% | 4,901 |
| Return on Equity (ROE) | 4.9715% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.9715% | 3,191 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4248% | 767 |
| Assets per employee ($millions) | 4.9078% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 990 |
| Loan loss allowance to noncurrent loans | 1,879.3103% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 4,916 |
| Noncurrent loans to loans | 0.0895% | 4,578 |
| Net loans and leases to total assets | 43.2943% | 4,930 |
| Net loans and leases to deposits | 57.9754% | 4,585 |
| Net loans and leases to core deposits | 59.0135% | 4,699 |
| Total domestic deposits to total assets | 74.6770% | 5,091 |
| Equity capital to assets | 8.9925% | 4,564 |
| Core capital (leverage) ratio | 9.5557% | 4,008 |
| Tier 1 risk-based capital ratio | 18.5278% | 1,680 |
| Total risk-based capital ratio | 19.7791% | 1,646 |
| Memoranda: | ||
| Average total assets | $73,356,500 | 4,683 |
| Average earning assets | $70,925,000 | 4,619 |
| Average equity | $6,758,500 | 4,937 |
| Average total loans | $33,797,000 | 4,870 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 4,984 |
| Cost of funding earning assets | 0.3842% | 3,394 |
| Net interest margin | 2.9836% | 4,920 |
| Noninterest income to average assets | 0.2871% | 4,413 |
| Noninterest expense to average assets | 2.5788% | 3,512 |
| Loan and lease loss provision to assets | 0.0408% | 3,451 |
| Net operating income to assets | 0.5390% | 4,266 |
| Return on assets (ROA) | 0.5443% | 4,275 |
| Pretax return on assets | 0.5579% | 4,831 |
| Return on Equity (ROE) | 5.7099% | 3,866 |
| Retained earnings to average equity (ytd only) | 2.1840% | 4,014 |
| Net charge-offs to loans | -0.0030% | 4,572 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2956% | 980 |
| Assets per employee ($millions) | 4.8731% | 2,640 |
| Cash dividends to net income (ytd only)* | 61.7500% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,277 |
| Loan loss allowance to noncurrent loans | 1,879.3103% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,937 |
| Noncurrent loans to loans | 0.0824% | 4,631 |
| Net loans and leases to total assets | 47.3788% | 4,806 |
| Net loans and leases to deposits | 63.6255% | 4,338 |
| Net loans and leases to core deposits | 64.7739% | 4,483 |
| Total domestic deposits to total assets | 74.4651% | 5,143 |
| Equity capital to assets | 9.4355% | 4,289 |
| Core capital (leverage) ratio | 9.7049% | 3,812 |
| Tier 1 risk-based capital ratio | 17.3575% | 1,975 |
| Total risk-based capital ratio | 18.6065% | 1,932 |
| Memoranda: | ||
| Average total assets | $73,484,800 | 4,713 |
| Average earning assets | $71,054,000 | 4,648 |
| Average equity | $7,005,400 | 4,937 |
| Average total loans | $33,071,400 | 4,920 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3264% | 5,072 |
| Cost of funding earning assets | 0.3650% | 3,509 |
| Net interest margin | 2.9614% | 5,005 |
| Noninterest income to average assets | 0.2555% | 4,675 |
| Noninterest expense to average assets | 2.5785% | 3,472 |
| Loan and lease loss provision to assets | 0.0544% | 3,005 |
| Net operating income to assets | 0.4714% | 4,821 |
| Return on assets (ROA) | 0.4784% | 4,835 |
| Pretax return on assets | 0.4965% | 5,037 |
| Return on Equity (ROE) | 5.0052% | 4,529 |
| Retained earnings to average equity (ytd only) | 5.0052% | 2,884 |
| Net charge-offs to loans | -0.0041% | 4,423 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5885% | 869 |
| Assets per employee ($millions) | 4.6963% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 1,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 46.5533% | 4,907 |
| Net loans and leases to deposits | 63.3945% | 4,424 |
| Net loans and leases to core deposits | 64.5971% | 4,581 |
| Total domestic deposits to total assets | 73.4342% | 5,282 |
| Equity capital to assets | 10.2507% | 3,637 |
| Core capital (leverage) ratio | 9.8987% | 3,698 |
| Tier 1 risk-based capital ratio | 18.4296% | 1,750 |
| Total risk-based capital ratio | 19.6790% | 1,703 |
| Memoranda: | ||
| Average total assets | $73,582,000 | 4,763 |
| Average earning assets | $71,226,000 | 4,687 |
| Average equity | $7,032,500 | 4,990 |
| Average total loans | $32,545,000 | 4,990 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2672% | 5,155 |
| Cost of funding earning assets | 0.3270% | 3,830 |
| Net interest margin | 2.9402% | 5,018 |
| Noninterest income to average assets | 0.2332% | 4,839 |
| Noninterest expense to average assets | 2.5299% | 3,662 |
| Loan and lease loss provision to assets | 0.0804% | 2,381 |
| Net operating income to assets | 0.4528% | 4,851 |
| Return on assets (ROA) | 0.4502% | 4,878 |
| Pretax return on assets | 0.4636% | 5,065 |
| Return on Equity (ROE) | 4.8209% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.8209% | 2,833 |
| Net charge-offs to loans | -0.0062% | 4,387 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2300% | 983 |
| Assets per employee ($millions) | 4.8760% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 1,068 |
| Loan loss allowance to noncurrent loans | 3,633.3333% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 5,197 |
| Noncurrent loans to loans | 0.0467% | 4,959 |
| Net loans and leases to total assets | 43.2007% | 5,085 |
| Net loans and leases to deposits | 56.6854% | 4,826 |
| Net loans and leases to core deposits | 57.6798% | 4,927 |
| Total domestic deposits to total assets | 76.2114% | 5,066 |
| Equity capital to assets | 9.7894% | 4,129 |
| Core capital (leverage) ratio | 9.4319% | 4,199 |
| Tier 1 risk-based capital ratio | 18.5799% | 1,698 |
| Total risk-based capital ratio | 19.8303% | 1,659 |
| Memoranda: | ||
| Average total assets | $74,628,000 | 4,775 |
| Average earning assets | $72,171,000 | 4,693 |
| Average equity | $6,969,670 | 5,030 |
| Average total loans | $32,280,330 | 5,031 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1466% | 5,310 |
| Cost of funding earning assets | 0.2965% | 4,080 |
| Net interest margin | 2.8500% | 5,165 |
| Noninterest income to average assets | 0.2176% | 4,968 |
| Noninterest expense to average assets | 2.4837% | 3,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4936% | 4,628 |
| Return on assets (ROA) | 0.4936% | 4,648 |
| Pretax return on assets | 0.4882% | 4,988 |
| Return on Equity (ROE) | 5.4113% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.4113% | 2,658 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5714% | 1,014 |
| Assets per employee ($millions) | 5.4321% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 1,164 |
| Loan loss allowance to noncurrent loans | 3,426.6667% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 5,259 |
| Noncurrent loans to loans | 0.0493% | 4,993 |
| Net loans and leases to total assets | 39.3312% | 5,275 |
| Net loans and leases to deposits | 48.5552% | 5,193 |
| Net loans and leases to core deposits | 49.3223% | 5,248 |
| Total domestic deposits to total assets | 81.0030% | 4,413 |
| Equity capital to assets | 9.1375% | 4,672 |
| Core capital (leverage) ratio | 9.2929% | 4,352 |
| Tier 1 risk-based capital ratio | 17.9931% | 1,880 |
| Total risk-based capital ratio | 19.2435% | 1,838 |
| Memoranda: | ||
| Average total assets | $75,372,000 | 4,810 |
| Average earning assets | $72,841,000 | 4,724 |
| Average equity | $6,874,500 | 5,089 |
| Average total loans | $32,349,500 | 5,077 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2936% | 5,168 |
| Cost of funding earning assets | 0.2562% | 4,510 |
| Net interest margin | 3.0373% | 4,885 |
| Noninterest income to average assets | 0.2784% | 4,751 |
| Noninterest expense to average assets | 2.5770% | 3,751 |
| Loan and lease loss provision to assets | 0.0700% | 2,958 |
| Net operating income to assets | 0.5358% | 4,492 |
| Return on assets (ROA) | 0.5358% | 4,583 |
| Pretax return on assets | 0.5666% | 4,879 |
| Return on Equity (ROE) | 5.3032% | 4,272 |
| Retained earnings to average equity (ytd only) | 1.8693% | 4,468 |
| Net charge-offs to loans | -0.0061% | 4,845 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1916% | 1,397 |
| Assets per employee ($millions) | 5.3354% | 2,020 |
| Cash dividends to net income (ytd only)* | 64.7520% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 1,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 45.1971% | 5,058 |
| Net loans and leases to deposits | 55.7841% | 4,923 |
| Net loans and leases to core deposits | 56.6804% | 5,023 |
| Total domestic deposits to total assets | 81.0215% | 4,325 |
| Equity capital to assets | 9.1037% | 4,706 |
| Core capital (leverage) ratio | 9.7699% | 3,783 |
| Tier 1 risk-based capital ratio | 15.8363% | 2,614 |
| Total risk-based capital ratio | 17.0153% | 2,571 |
| Memoranda: | ||
| Average total assets | $71,478,600 | 4,901 |
| Average earning assets | $69,073,800 | 4,825 |
| Average equity | $7,222,000 | 5,056 |
| Average total loans | $32,525,000 | 5,117 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3237% | 5,178 |
| Cost of funding earning assets | 0.2555% | 4,555 |
| Net interest margin | 3.0682% | 4,858 |
| Noninterest income to average assets | 0.2528% | 4,953 |
| Noninterest expense to average assets | 2.6223% | 3,591 |
| Loan and lease loss provision to assets | 0.0377% | 3,487 |
| Net operating income to assets | 0.5301% | 4,571 |
| Return on assets (ROA) | 0.5301% | 4,675 |
| Pretax return on assets | 0.5603% | 4,974 |
| Return on Equity (ROE) | 5.1131% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.1131% | 2,749 |
| Net charge-offs to loans | -0.0041% | 4,582 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4294% | 1,256 |
| Assets per employee ($millions) | 4.8110% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 1,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 48.5183% | 4,919 |
| Net loans and leases to deposits | 56.8232% | 4,945 |
| Net loans and leases to core deposits | 57.7817% | 5,065 |
| Total domestic deposits to total assets | 85.3847% | 2,648 |
| Equity capital to assets | 11.1010% | 2,917 |
| Core capital (leverage) ratio | 10.7681% | 2,714 |
| Tier 1 risk-based capital ratio | 17.2047% | 2,164 |
| Total risk-based capital ratio | 18.3726% | 2,146 |
| Memoranda: | ||
| Average total assets | $70,674,500 | 4,960 |
| Average earning assets | $68,355,500 | 4,879 |
| Average equity | $7,327,500 | 5,088 |
| Average total loans | $32,087,750 | 5,176 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3350% | 5,215 |
| Cost of funding earning assets | 0.2537% | 4,620 |
| Net interest margin | 3.0813% | 4,882 |
| Noninterest income to average assets | 0.2535% | 4,954 |
| Noninterest expense to average assets | 2.5661% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6353% | 4,118 |
| Return on assets (ROA) | 0.6353% | 4,262 |
| Pretax return on assets | 0.6659% | 4,728 |
| Return on Equity (ROE) | 6.2657% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.2657% | 1,978 |
| Net charge-offs to loans | -0.0063% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3966% | 1,577 |
| Assets per employee ($millions) | 4.8600% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 1,910 |
| Loan loss allowance to noncurrent loans | 1,493.5484% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,389 |
| Noncurrent loans to loans | 0.0995% | 5,055 |
| Net loans and leases to total assets | 45.0941% | 5,172 |
| Net loans and leases to deposits | 52.9658% | 5,203 |
| Net loans and leases to core deposits | 53.8517% | 5,286 |
| Total domestic deposits to total assets | 85.1382% | 2,805 |
| Equity capital to assets | 11.0567% | 2,995 |
| Core capital (leverage) ratio | 10.0205% | 3,544 |
| Tier 1 risk-based capital ratio | 17.6402% | 2,032 |
| Total risk-based capital ratio | 18.7944% | 2,022 |
| Memoranda: | ||
| Average total assets | $71,781,330 | 4,986 |
| Average earning assets | $69,386,000 | 4,902 |
| Average equity | $7,277,670 | 5,144 |
| Average total loans | $31,729,670 | 5,241 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3149% | 5,295 |
| Cost of funding earning assets | 0.2533% | 4,667 |
| Net interest margin | 3.0617% | 4,967 |
| Noninterest income to average assets | 0.2172% | 5,183 |
| Noninterest expense to average assets | 2.5960% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5431% | 4,452 |
| Return on assets (ROA) | 0.5431% | 4,555 |
| Pretax return on assets | 0.5757% | 4,887 |
| Return on Equity (ROE) | 5.5905% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.5905% | 2,590 |
| Net charge-offs to loans | -0.0125% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8493% | 1,381 |
| Assets per employee ($millions) | 5.1669% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 42.0974% | 5,347 |
| Net loans and leases to deposits | 51.0229% | 5,280 |
| Net loans and leases to core deposits | 51.8500% | 5,359 |
| Total domestic deposits to total assets | 82.5069% | 4,063 |
| Equity capital to assets | 10.1207% | 3,923 |
| Core capital (leverage) ratio | 9.4415% | 4,293 |
| Tier 1 risk-based capital ratio | 17.2668% | 2,187 |
| Total risk-based capital ratio | 18.4214% | 2,191 |
| Memoranda: | ||
| Average total assets | $73,652,000 | 4,985 |
| Average earning assets | $71,072,500 | 4,897 |
| Average equity | $7,155,000 | 5,202 |
| Average total loans | $32,022,000 | 5,267 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3075% | 5,336 |
| Cost of funding earning assets | 0.2169% | 5,125 |
| Net interest margin | 3.0906% | 4,925 |
| Noninterest income to average assets | 0.2689% | 4,946 |
| Noninterest expense to average assets | 2.4561% | 4,370 |
| Loan and lease loss provision to assets | 0.0334% | 3,688 |
| Net operating income to assets | 0.7244% | 3,692 |
| Return on assets (ROA) | 0.7398% | 3,719 |
| Pretax return on assets | 0.7692% | 4,305 |
| Return on Equity (ROE) | 7.7088% | 3,131 |
| Retained earnings to average equity (ytd only) | 3.1783% | 3,793 |
| Net charge-offs to loans | -0.0349% | 5,454 |
| Credit loss provision to net charge-offs | -227.2727% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7426% | 2,315 |
| Assets per employee ($millions) | 4.9978% | 2,363 |
| Cash dividends to net income (ytd only)* | 58.7703% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 2,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 43.5752% | 5,302 |
| Net loans and leases to deposits | 54.7241% | 5,121 |
| Net loans and leases to core deposits | 55.6091% | 5,219 |
| Total domestic deposits to total assets | 79.6270% | 4,835 |
| Equity capital to assets | 9.3228% | 4,762 |
| Core capital (leverage) ratio | 9.1934% | 4,626 |
| Tier 1 risk-based capital ratio | 16.1796% | 2,612 |
| Total risk-based capital ratio | 17.2782% | 2,617 |
| Memoranda: | ||
| Average total assets | $74,751,200 | 4,973 |
| Average earning assets | $71,927,600 | 4,895 |
| Average equity | $7,173,600 | 5,214 |
| Average total loans | $31,540,400 | 5,308 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2625% | 5,482 |
| Cost of funding earning assets | 0.2096% | 5,298 |
| Net interest margin | 3.0529% | 5,069 |
| Noninterest income to average assets | 0.2499% | 5,148 |
| Noninterest expense to average assets | 2.4614% | 4,309 |
| Loan and lease loss provision to assets | 0.0446% | 3,319 |
| Net operating income to assets | 0.6524% | 4,120 |
| Return on assets (ROA) | 0.6729% | 4,129 |
| Pretax return on assets | 0.7033% | 4,672 |
| Return on Equity (ROE) | 6.9622% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.9622% | 1,707 |
| Net charge-offs to loans | -0.0343% | 5,407 |
| Credit loss provision to net charge-offs | -312.5000% | 5,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2116% | 2,056 |
| Assets per employee ($millions) | 4.9297% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 2,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 42.9982% | 5,422 |
| Net loans and leases to deposits | 56.2584% | 5,107 |
| Net loans and leases to core deposits | 57.2192% | 5,242 |
| Total domestic deposits to total assets | 76.4298% | 5,423 |
| Equity capital to assets | 10.0412% | 4,103 |
| Core capital (leverage) ratio | 9.5829% | 4,195 |
| Tier 1 risk-based capital ratio | 16.5525% | 2,546 |
| Total risk-based capital ratio | 17.6368% | 2,577 |
| Memoranda: | ||
| Average total assets | $74,697,250 | 5,034 |
| Average earning assets | $71,885,500 | 4,952 |
| Average equity | $7,219,750 | 5,276 |
| Average total loans | $31,143,250 | 5,380 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2310% | 5,569 |
| Cost of funding earning assets | 0.2025% | 5,413 |
| Net interest margin | 3.0285% | 5,154 |
| Noninterest income to average assets | 0.2588% | 5,103 |
| Noninterest expense to average assets | 2.4390% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7058% | 3,863 |
| Return on assets (ROA) | 0.7365% | 3,818 |
| Pretax return on assets | 0.7659% | 4,436 |
| Return on Equity (ROE) | 7.7188% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.7188% | 1,383 |
| Net charge-offs to loans | -0.0390% | 5,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8713% | 2,217 |
| Assets per employee ($millions) | 4.8755% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 2,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 42.4014% | 5,477 |
| Net loans and leases to deposits | 52.3156% | 5,362 |
| Net loans and leases to core deposits | 53.1659% | 5,476 |
| Total domestic deposits to total assets | 81.0493% | 4,607 |
| Equity capital to assets | 9.8452% | 4,226 |
| Core capital (leverage) ratio | 9.3516% | 4,485 |
| Tier 1 risk-based capital ratio | 17.0995% | 2,368 |
| Total risk-based capital ratio | 18.1699% | 2,391 |
| Memoranda: | ||
| Average total assets | $74,948,000 | 5,076 |
| Average earning assets | $72,114,670 | 4,999 |
| Average equity | $7,151,330 | 5,331 |
| Average total loans | $30,773,000 | 5,442 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1913% | 5,667 |
| Cost of funding earning assets | 0.1922% | 5,578 |
| Net interest margin | 2.9990% | 5,219 |
| Noninterest income to average assets | 0.2215% | 5,367 |
| Noninterest expense to average assets | 2.3518% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7171% | 3,717 |
| Return on assets (ROA) | 0.7171% | 3,841 |
| Pretax return on assets | 0.7488% | 4,434 |
| Return on Equity (ROE) | 7.6329% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.6329% | 1,710 |
| Net charge-offs to loans | -0.0526% | 5,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8503% | 2,541 |
| Assets per employee ($millions) | 5.3526% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 2,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 38.5476% | 5,688 |
| Net loans and leases to deposits | 45.2567% | 5,693 |
| Net loans and leases to core deposits | 45.5953% | 5,774 |
| Total domestic deposits to total assets | 85.1753% | 3,317 |
| Equity capital to assets | 9.7163% | 4,482 |
| Core capital (leverage) ratio | 8.8838% | 5,093 |
| Tier 1 risk-based capital ratio | 17.6570% | 2,251 |
| Total risk-based capital ratio | 18.7742% | 2,247 |
| Memoranda: | ||
| Average total assets | $75,856,000 | 5,110 |
| Average earning assets | $72,823,500 | 5,034 |
| Average equity | $7,127,000 | 5,380 |
| Average total loans | $30,439,000 | 5,491 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2216% | 5,810 |
| Cost of funding earning assets | 0.1935% | 5,801 |
| Net interest margin | 3.0280% | 5,383 |
| Noninterest income to average assets | 0.2800% | 5,114 |
| Noninterest expense to average assets | 2.5450% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6253% | 4,251 |
| Return on assets (ROA) | 0.6709% | 4,140 |
| Pretax return on assets | 0.6960% | 4,642 |
| Return on Equity (ROE) | 7.4234% | 3,407 |
| Retained earnings to average equity (ytd only) | 2.6742% | 4,340 |
| Net charge-offs to loans | -0.0446% | 5,890 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6940% | 1,981 |
| Assets per employee ($millions) | 5.1184% | 2,171 |
| Cash dividends to net income (ytd only)* | 63.9764% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 3,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 40.5543% | 5,705 |
| Net loans and leases to deposits | 49.5607% | 5,602 |
| Net loans and leases to core deposits | 49.9374% | 5,717 |
| Total domestic deposits to total assets | 81.8277% | 4,481 |
| Equity capital to assets | 9.0823% | 5,199 |
| Core capital (leverage) ratio | 9.1500% | 4,753 |
| Tier 1 risk-based capital ratio | 14.6410% | 3,700 |
| Total risk-based capital ratio | 15.5803% | 3,815 |
| Memoranda: | ||
| Average total assets | $75,716,200 | 5,157 |
| Average earning assets | $72,852,200 | 5,074 |
| Average equity | $6,843,200 | 5,450 |
| Average total loans | $29,133,600 | 5,596 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2179% | 5,882 |
| Cost of funding earning assets | 0.1942% | 5,879 |
| Net interest margin | 3.0237% | 5,455 |
| Noninterest income to average assets | 0.2651% | 5,312 |
| Noninterest expense to average assets | 2.5358% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6210% | 4,349 |
| Return on assets (ROA) | 0.6821% | 4,120 |
| Pretax return on assets | 0.7086% | 4,681 |
| Return on Equity (ROE) | 7.5564% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.5564% | 1,557 |
| Net charge-offs to loans | -0.0467% | 5,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7222% | 1,960 |
| Assets per employee ($millions) | 4.7978% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 2,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 37.9799% | 5,943 |
| Net loans and leases to deposits | 47.9148% | 5,766 |
| Net loans and leases to core deposits | 48.3154% | 5,872 |
| Total domestic deposits to total assets | 79.2655% | 5,268 |
| Equity capital to assets | 9.8101% | 4,408 |
| Core capital (leverage) ratio | 9.4296% | 4,466 |
| Tier 1 risk-based capital ratio | 16.5935% | 2,772 |
| Total risk-based capital ratio | 17.6199% | 2,825 |
| Memoranda: | ||
| Average total assets | $75,451,250 | 5,218 |
| Average earning assets | $72,758,000 | 5,128 |
| Average equity | $6,810,750 | 5,511 |
| Average total loans | $28,526,500 | 5,685 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1928% | 5,965 |
| Cost of funding earning assets | 0.1923% | 5,982 |
| Net interest margin | 3.0005% | 5,522 |
| Noninterest income to average assets | 0.2454% | 5,442 |
| Noninterest expense to average assets | 2.5557% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5561% | 4,564 |
| Return on assets (ROA) | 0.6213% | 4,338 |
| Pretax return on assets | 0.6500% | 4,787 |
| Return on Equity (ROE) | 7.0753% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.0753% | 1,735 |
| Net charge-offs to loans | -0.0417% | 5,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4476% | 1,812 |
| Assets per employee ($millions) | 4.6022% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 2,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 36.2151% | 6,038 |
| Net loans and leases to deposits | 47.1673% | 5,819 |
| Net loans and leases to core deposits | 48.4546% | 5,883 |
| Total domestic deposits to total assets | 76.7801% | 5,814 |
| Equity capital to assets | 9.5457% | 4,691 |
| Core capital (leverage) ratio | 8.9047% | 5,153 |
| Tier 1 risk-based capital ratio | 15.9873% | 3,094 |
| Total risk-based capital ratio | 16.9873% | 3,167 |
| Memoranda: | ||
| Average total assets | $76,612,670 | 5,235 |
| Average earning assets | $73,854,330 | 5,143 |
| Average equity | $6,727,670 | 5,556 |
| Average total loans | $28,783,330 | 5,708 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1479% | 6,067 |
| Cost of funding earning assets | 0.1867% | 6,101 |
| Net interest margin | 2.9612% | 5,621 |
| Noninterest income to average assets | 0.2510% | 5,357 |
| Noninterest expense to average assets | 2.4839% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5849% | 4,265 |
| Return on assets (ROA) | 0.6095% | 4,232 |
| Pretax return on assets | 0.6351% | 4,708 |
| Return on Equity (ROE) | 7.2373% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.2373% | 1,925 |
| Net charge-offs to loans | -0.0405% | 5,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2980% | 2,159 |
| Assets per employee ($millions) | 4.8553% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 3,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 34.7678% | 6,134 |
| Net loans and leases to deposits | 43.3684% | 6,004 |
| Net loans and leases to core deposits | 44.4395% | 6,055 |
| Total domestic deposits to total assets | 80.1684% | 5,456 |
| Equity capital to assets | 8.6247% | 5,521 |
| Core capital (leverage) ratio | 8.3994% | 5,746 |
| Tier 1 risk-based capital ratio | 15.2581% | 3,574 |
| Total risk-based capital ratio | 16.2256% | 3,679 |
| Memoranda: | ||
| Average total assets | $78,101,500 | 5,254 |
| Average earning assets | $74,970,000 | 5,148 |
| Average equity | $6,577,000 | 5,626 |
| Average total loans | $29,632,000 | 5,730 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1979% | 6,130 |
| Cost of funding earning assets | 0.2286% | 6,115 |
| Net interest margin | 2.9693% | 5,642 |
| Noninterest income to average assets | 0.2715% | 5,411 |
| Noninterest expense to average assets | 2.3531% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7145% | 3,726 |
| Return on assets (ROA) | 0.7493% | 3,649 |
| Pretax return on assets | 0.7819% | 4,214 |
| Return on Equity (ROE) | 8.7571% | 2,669 |
| Retained earnings to average equity (ytd only) | 4.3712% | 3,068 |
| Net charge-offs to loans | -0.0392% | 6,282 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9386% | 2,781 |
| Assets per employee ($millions) | 4.9074% | 2,304 |
| Cash dividends to net income (ytd only)* | 50.0835% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 4,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 40.0234% | 5,960 |
| Net loans and leases to deposits | 53.3431% | 5,523 |
| Net loans and leases to core deposits | 54.7367% | 5,630 |
| Total domestic deposits to total assets | 75.0302% | 6,194 |
| Equity capital to assets | 8.2197% | 5,858 |
| Core capital (leverage) ratio | 8.2395% | 5,940 |
| Tier 1 risk-based capital ratio | 13.7055% | 4,517 |
| Total risk-based capital ratio | 14.5874% | 4,703 |
| Memoranda: | ||
| Average total assets | $79,937,000 | 5,237 |
| Average earning assets | $76,111,600 | 5,151 |
| Average equity | $6,840,200 | 5,608 |
| Average total loans | $30,640,200 | 5,731 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1545% | 6,251 |
| Cost of funding earning assets | 0.2357% | 6,186 |
| Net interest margin | 2.9189% | 5,768 |
| Noninterest income to average assets | 0.2507% | 5,637 |
| Noninterest expense to average assets | 2.3265% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6729% | 3,997 |
| Return on assets (ROA) | 0.7207% | 3,885 |
| Pretax return on assets | 0.7506% | 4,487 |
| Return on Equity (ROE) | 8.3418% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.3418% | 1,271 |
| Net charge-offs to loans | -0.0396% | 6,239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8513% | 2,588 |
| Assets per employee ($millions) | 4.8948% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 4,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 38.4225% | 6,147 |
| Net loans and leases to deposits | 52.4343% | 5,679 |
| Net loans and leases to core deposits | 53.8406% | 5,774 |
| Total domestic deposits to total assets | 73.2775% | 6,416 |
| Equity capital to assets | 8.5845% | 5,643 |
| Core capital (leverage) ratio | 8.4735% | 5,797 |
| Tier 1 risk-based capital ratio | 14.3381% | 4,191 |
| Total risk-based capital ratio | 15.2326% | 4,394 |
| Memoranda: | ||
| Average total assets | $80,291,500 | 5,282 |
| Average earning assets | $76,374,500 | 5,186 |
| Average equity | $6,936,750 | 5,656 |
| Average total loans | $30,340,500 | 5,795 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1292% | 6,310 |
| Cost of funding earning assets | 0.2419% | 6,232 |
| Net interest margin | 2.8873% | 5,817 |
| Noninterest income to average assets | 0.2298% | 5,804 |
| Noninterest expense to average assets | 2.2804% | 5,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6626% | 4,007 |
| Return on assets (ROA) | 0.7338% | 3,805 |
| Pretax return on assets | 0.7659% | 4,442 |
| Return on Equity (ROE) | 8.4760% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.4760% | 1,303 |
| Net charge-offs to loans | -0.0396% | 6,183 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7249% | 2,680 |
| Assets per employee ($millions) | 4.9095% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 4,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 36.7018% | 6,258 |
| Net loans and leases to deposits | 47.7832% | 5,992 |
| Net loans and leases to core deposits | 48.9981% | 6,078 |
| Total domestic deposits to total assets | 76.8090% | 6,147 |
| Equity capital to assets | 8.2913% | 5,978 |
| Core capital (leverage) ratio | 8.0004% | 6,187 |
| Tier 1 risk-based capital ratio | 14.4957% | 4,098 |
| Total risk-based capital ratio | 15.4106% | 4,276 |
| Memoranda: | ||
| Average total assets | $80,950,000 | 5,298 |
| Average earning assets | $76,887,670 | 5,201 |
| Average equity | $7,008,000 | 5,680 |
| Average total loans | $30,287,000 | 5,838 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0721% | 6,428 |
| Cost of funding earning assets | 0.2487% | 6,298 |
| Net interest margin | 2.8234% | 5,986 |
| Noninterest income to average assets | 0.2240% | 5,873 |
| Noninterest expense to average assets | 2.1424% | 5,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6963% | 3,703 |
| Return on assets (ROA) | 0.6963% | 3,847 |
| Pretax return on assets | 0.7352% | 4,425 |
| Return on Equity (ROE) | 7.8837% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.8837% | 1,790 |
| Net charge-offs to loans | -0.0389% | 6,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4501% | 3,184 |
| Assets per employee ($millions) | 5.2102% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 4,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 34.4457% | 6,395 |
| Net loans and leases to deposits | 42.9114% | 6,277 |
| Net loans and leases to core deposits | 44.2655% | 6,302 |
| Total domestic deposits to total assets | 80.2718% | 5,694 |
| Equity capital to assets | 8.7185% | 5,792 |
| Core capital (leverage) ratio | 7.7978% | 6,290 |
| Tier 1 risk-based capital ratio | 14.2346% | 4,333 |
| Total risk-based capital ratio | 15.1374% | 4,544 |
| Memoranda: | ||
| Average total assets | $82,149,000 | 5,314 |
| Average earning assets | $77,211,000 | 5,230 |
| Average equity | $7,255,500 | 5,673 |
| Average total loans | $30,812,000 | 5,851 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3737% | 6,511 |
| Cost of funding earning assets | 0.3647% | 6,135 |
| Net interest margin | 3.0090% | 6,034 |
| Noninterest income to average assets | 0.3551% | 4,928 |
| Noninterest expense to average assets | 2.3910% | 5,427 |
| Loan and lease loss provision to assets | 0.2236% | 2,891 |
| Net operating income to assets | 0.5742% | 4,365 |
| Return on assets (ROA) | 0.6431% | 4,284 |
| Pretax return on assets | 0.6655% | 4,775 |
| Return on Equity (ROE) | 6.8076% | 3,758 |
| Retained earnings to average equity (ytd only) | 2.6311% | 4,383 |
| Net charge-offs to loans | 0.7431% | 1,582 |
| Credit loss provision to net charge-offs | 74.8899% | 4,014 |
| Earnings coverage of net charge-offs (x) | 2.7401% | 4,059 |
| Efficiency ratio | 74.5082% | 2,986 |
| Assets per employee ($millions) | 5.0584% | 2,154 |
| Cash dividends to net income (ytd only)* | 61.3497% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 4,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 39.6664% | 6,191 |
| Net loans and leases to deposits | 53.9182% | 5,660 |
| Net loans and leases to core deposits | 55.5452% | 5,750 |
| Total domestic deposits to total assets | 73.5677% | 6,575 |
| Equity capital to assets | 8.9492% | 5,577 |
| Core capital (leverage) ratio | 8.5883% | 5,475 |
| Tier 1 risk-based capital ratio | 13.8944% | 4,453 |
| Total risk-based capital ratio | 14.7874% | 4,676 |
| Memoranda: | ||
| Average total assets | $76,035,000 | 5,456 |
| Average earning assets | $72,116,200 | 5,367 |
| Average equity | $7,183,200 | 5,710 |
| Average total loans | $30,547,600 | 5,925 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3892% | 6,640 |
| Cost of funding earning assets | 0.3869% | 6,191 |
| Net interest margin | 3.0023% | 6,163 |
| Noninterest income to average assets | 0.2923% | 5,433 |
| Noninterest expense to average assets | 2.4203% | 5,339 |
| Loan and lease loss provision to assets | 0.3030% | 2,181 |
| Net operating income to assets | 0.4219% | 5,153 |
| Return on assets (ROA) | 0.5133% | 5,051 |
| Pretax return on assets | 0.5418% | 5,339 |
| Return on Equity (ROE) | 5.3568% | 4,662 |
| Retained earnings to average equity (ytd only) | 5.3568% | 3,120 |
| Net charge-offs to loans | 1.0202% | 1,041 |
| Credit loss provision to net charge-offs | 73.9130% | 3,797 |
| Earnings coverage of net charge-offs (x) | 1.8261% | 4,351 |
| Efficiency ratio | 76.3780% | 2,613 |
| Assets per employee ($millions) | 4.4663% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 41.8724% | 6,139 |
| Net loans and leases to deposits | 55.6430% | 5,664 |
| Net loans and leases to core deposits | 57.5058% | 5,767 |
| Total domestic deposits to total assets | 75.2519% | 6,483 |
| Equity capital to assets | 10.3596% | 4,001 |
| Core capital (leverage) ratio | 8.8459% | 5,274 |
| Tier 1 risk-based capital ratio | 17.2463% | 2,630 |
| Total risk-based capital ratio | 18.3293% | 2,652 |
| Memoranda: | ||
| Average total assets | $74,810,000 | 5,551 |
| Average earning assets | $71,676,500 | 5,439 |
| Average equity | $7,168,250 | 5,779 |
| Average total loans | $30,058,250 | 6,016 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3514% | 6,778 |
| Cost of funding earning assets | 0.4045% | 6,240 |
| Net interest margin | 2.9469% | 6,346 |
| Noninterest income to average assets | 0.2898% | 5,488 |
| Noninterest expense to average assets | 2.3891% | 5,494 |
| Loan and lease loss provision to assets | 0.4478% | 1,440 |
| Net operating income to assets | 0.2549% | 5,751 |
| Return on assets (ROA) | 0.3872% | 5,500 |
| Pretax return on assets | 0.4162% | 5,667 |
| Return on Equity (ROE) | 4.1467% | 5,199 |
| Retained earnings to average equity (ytd only) | 4.1467% | 3,849 |
| Net charge-offs to loans | 1.2879% | 832 |
| Credit loss provision to net charge-offs | 88.0829% | 3,102 |
| Earnings coverage of net charge-offs (x) | 1.4197% | 4,292 |
| Efficiency ratio | 76.7993% | 2,625 |
| Assets per employee ($millions) | 4.6030% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 4,345 |
| Loan loss allowance to noncurrent loans | 83.6538% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 5,027 |
| Noncurrent loans to loans | 1.7094% | 3,331 |
| Net loans and leases to total assets | 40.7139% | 6,295 |
| Net loans and leases to deposits | 54.7851% | 5,792 |
| Net loans and leases to core deposits | 56.5819% | 5,896 |
| Total domestic deposits to total assets | 74.3157% | 6,652 |
| Equity capital to assets | 9.7694% | 4,670 |
| Core capital (leverage) ratio | 8.1468% | 6,101 |
| Tier 1 risk-based capital ratio | 16.6546% | 2,829 |
| Total risk-based capital ratio | 17.8236% | 2,836 |
| Memoranda: | ||
| Average total assets | $75,926,670 | 5,548 |
| Average earning assets | $72,685,330 | 5,440 |
| Average equity | $7,090,000 | 5,823 |
| Average total loans | $29,971,000 | 6,069 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2978% | 6,894 |
| Cost of funding earning assets | 0.4292% | 6,264 |
| Net interest margin | 2.8686% | 6,528 |
| Noninterest income to average assets | 0.2855% | 5,590 |
| Noninterest expense to average assets | 2.3460% | 5,643 |
| Loan and lease loss provision to assets | 0.5190% | 1,161 |
| Net operating income to assets | 0.1298% | 6,175 |
| Return on assets (ROA) | 0.1298% | 6,300 |
| Pretax return on assets | 0.1609% | 6,273 |
| Return on Equity (ROE) | 1.4210% | 6,247 |
| Retained earnings to average equity (ytd only) | 1.4210% | 5,526 |
| Net charge-offs to loans | 0.9816% | 1,060 |
| Credit loss provision to net charge-offs | 136.9863% | 1,797 |
| Earnings coverage of net charge-offs (x) | 1.7945% | 3,439 |
| Efficiency ratio | 77.5300% | 2,564 |
| Assets per employee ($millions) | 4.9671% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 3,381 |
| Loan loss allowance to noncurrent loans | 74.9614% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 4,911 |
| Noncurrent loans to loans | 2.2551% | 2,854 |
| Net loans and leases to total assets | 35.4909% | 6,654 |
| Net loans and leases to deposits | 46.6778% | 6,374 |
| Net loans and leases to core deposits | 48.0585% | 6,457 |
| Total domestic deposits to total assets | 76.0337% | 6,538 |
| Equity capital to assets | 8.8960% | 5,642 |
| Core capital (leverage) ratio | 7.8594% | 6,367 |
| Tier 1 risk-based capital ratio | 16.3945% | 2,967 |
| Total risk-based capital ratio | 17.6440% | 2,922 |
| Memoranda: | ||
| Average total assets | $77,066,000 | 5,562 |
| Average earning assets | $73,625,500 | 5,449 |
| Average equity | $7,037,500 | 5,861 |
| Average total loans | $29,746,500 | 6,124 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 6,886 |
| Cost of funding earning assets | 0.5754% | 6,207 |
| Net interest margin | 3.0901% | 6,366 |
| Noninterest income to average assets | 0.3389% | 5,106 |
| Noninterest expense to average assets | 2.4806% | 5,530 |
| Loan and lease loss provision to assets | 0.1758% | 4,435 |
| Net operating income to assets | 0.6151% | 3,917 |
| Return on assets (ROA) | 0.6637% | 3,857 |
| Pretax return on assets | 0.6933% | 4,345 |
| Return on Equity (ROE) | 7.1658% | 3,326 |
| Retained earnings to average equity (ytd only) | 2.6113% | 4,366 |
| Net charge-offs to loans | 0.2566% | 4,173 |
| Credit loss provision to net charge-offs | 164.4737% | 1,658 |
| Earnings coverage of net charge-offs (x) | 7.6579% | 2,297 |
| Efficiency ratio | 75.1918% | 3,035 |
| Assets per employee ($millions) | 4.6661% | 2,657 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 4,084 |
| Loan loss allowance to noncurrent loans | 62.4829% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 4,647 |
| Noncurrent loans to loans | 2.3797% | 2,752 |
| Net loans and leases to total assets | 40.6440% | 6,498 |
| Net loans and leases to deposits | 59.0121% | 5,600 |
| Net loans and leases to core deposits | 61.0654% | 5,747 |
| Total domestic deposits to total assets | 68.8741% | 7,038 |
| Equity capital to assets | 9.3828% | 5,043 |
| Core capital (leverage) ratio | 8.2412% | 5,938 |
| Tier 1 risk-based capital ratio | 15.7741% | 3,168 |
| Total risk-based capital ratio | 16.9682% | 3,167 |
| Memoranda: | ||
| Average total assets | $71,112,800 | 5,716 |
| Average earning assets | $68,121,000 | 5,610 |
| Average equity | $6,586,800 | 5,988 |
| Average total loans | $29,617,200 | 6,174 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 6,968 |
| Cost of funding earning assets | 0.5919% | 6,316 |
| Net interest margin | 3.0706% | 6,448 |
| Noninterest income to average assets | 0.3190% | 5,315 |
| Noninterest expense to average assets | 2.4909% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7448% | 3,410 |
| Return on assets (ROA) | 0.8050% | 3,300 |
| Pretax return on assets | 0.8354% | 3,999 |
| Return on Equity (ROE) | 8.7210% | 2,734 |
| Retained earnings to average equity (ytd only) | 2.5505% | 4,838 |
| Net charge-offs to loans | -0.7503% | 7,372 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3234% | 2,795 |
| Assets per employee ($millions) | 4.7402% | 2,569 |
| Cash dividends to net income (ytd only)* | 70.7546% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 2,939 |
| Loan loss allowance to noncurrent loans | 58.3927% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.2961% | 4,217 |
| Noncurrent loans to loans | 3.0861% | 2,247 |
| Net loans and leases to total assets | 41.2405% | 6,541 |
| Net loans and leases to deposits | 63.3851% | 5,250 |
| Net loans and leases to core deposits | 65.6825% | 5,446 |
| Total domestic deposits to total assets | 65.0634% | 7,228 |
| Equity capital to assets | 9.2032% | 5,508 |
| Core capital (leverage) ratio | 8.1467% | 6,211 |
| Tier 1 risk-based capital ratio | 15.1397% | 3,586 |
| Total risk-based capital ratio | 16.3934% | 3,550 |
| Memoranda: | ||
| Average total assets | $70,226,500 | 5,776 |
| Average earning assets | $67,347,750 | 5,673 |
| Average equity | $6,482,250 | 6,064 |
| Average total loans | $29,321,000 | 6,251 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 7,072 |
| Cost of funding earning assets | 0.6109% | 6,406 |
| Net interest margin | 3.0269% | 6,562 |
| Noninterest income to average assets | 0.3131% | 5,398 |
| Noninterest expense to average assets | 2.5514% | 5,350 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6334% | 3,895 |
| Return on assets (ROA) | 0.7373% | 3,473 |
| Pretax return on assets | 0.7695% | 4,149 |
| Return on Equity (ROE) | 7.9793% | 2,954 |
| Retained earnings to average equity (ytd only) | 7.9793% | 1,471 |
| Net charge-offs to loans | -1.1377% | 7,445 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4171% | 2,480 |
| Assets per employee ($millions) | 4.5929% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 2,342 |
| Loan loss allowance to noncurrent loans | 53.0669% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.4642% | 4,018 |
| Noncurrent loans to loans | 3.7877% | 1,846 |
| Net loans and leases to total assets | 37.8802% | 6,867 |
| Net loans and leases to deposits | 54.0304% | 6,302 |
| Net loans and leases to core deposits | 55.6162% | 6,441 |
| Total domestic deposits to total assets | 70.1090% | 7,102 |
| Equity capital to assets | 9.2561% | 5,199 |
| Core capital (leverage) ratio | 8.9880% | 4,742 |
| Tier 1 risk-based capital ratio | 16.9276% | 2,555 |
| Total risk-based capital ratio | 18.1813% | 2,520 |
| Memoranda: | ||
| Average total assets | $68,354,330 | 5,878 |
| Average earning assets | $65,479,670 | 5,773 |
| Average equity | $6,316,330 | 6,138 |
| Average total loans | $28,477,330 | 6,345 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 7,045 |
| Cost of funding earning assets | 0.6503% | 6,379 |
| Net interest margin | 3.0732% | 6,412 |
| Noninterest income to average assets | 0.3222% | 5,346 |
| Noninterest expense to average assets | 2.6266% | 5,125 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6041% | 4,010 |
| Return on assets (ROA) | 0.8026% | 3,087 |
| Pretax return on assets | 0.8330% | 3,778 |
| Return on Equity (ROE) | 8.6935% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.6935% | 1,494 |
| Net charge-offs to loans | -2.1044% | 7,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7477% | 2,403 |
| Assets per employee ($millions) | 3.9819% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 2,370 |
| Loan loss allowance to noncurrent loans | 56.0120% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.6324% | 3,801 |
| Noncurrent loans to loans | 3.5983% | 2,063 |
| Net loans and leases to total assets | 40.1465% | 6,764 |
| Net loans and leases to deposits | 49.8030% | 6,638 |
| Net loans and leases to core deposits | 51.1789% | 6,723 |
| Total domestic deposits to total assets | 80.6107% | 5,789 |
| Equity capital to assets | 9.0690% | 5,094 |
| Core capital (leverage) ratio | 8.9756% | 4,651 |
| Tier 1 risk-based capital ratio | 17.4178% | 2,335 |
| Total risk-based capital ratio | 18.6727% | 2,301 |
| Memoranda: | ||
| Average total assets | $65,788,000 | 5,999 |
| Average earning assets | $62,736,000 | 5,903 |
| Average equity | $6,073,500 | 6,218 |
| Average total loans | $28,512,000 | 6,393 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 6,247 |
| Cost of funding earning assets | 1.0160% | 5,609 |
| Net interest margin | 3.5361% | 5,089 |
| Noninterest income to average assets | 0.4153% | 4,777 |
| Noninterest expense to average assets | 2.7315% | 4,845 |
| Loan and lease loss provision to assets | 0.2204% | 5,064 |
| Net operating income to assets | 0.8049% | 2,780 |
| Return on assets (ROA) | 0.8514% | 2,722 |
| Pretax return on assets | 0.8801% | 3,378 |
| Return on Equity (ROE) | 8.5291% | 2,487 |
| Retained earnings to average equity (ytd only) | 3.6645% | 3,292 |
| Net charge-offs to loans | 0.8834% | 2,423 |
| Credit loss provision to net charge-offs | 52.0755% | 6,228 |
| Earnings coverage of net charge-offs (x) | 2.4868% | 3,875 |
| Efficiency ratio | 72.1824% | 3,756 |
| Assets per employee ($millions) | 3.7579% | 4,350 |
| Cash dividends to net income (ytd only)* | 57.0356% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 4,527 |
| Loan loss allowance to noncurrent loans | 40.6965% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 1.7485% | 3,682 |
| Noncurrent loans to loans | 3.4313% | 2,211 |
| Net loans and leases to total assets | 45.2069% | 6,621 |
| Net loans and leases to deposits | 58.5777% | 6,203 |
| Net loans and leases to core deposits | 60.3666% | 6,368 |
| Total domestic deposits to total assets | 77.1743% | 6,456 |
| Equity capital to assets | 9.4045% | 4,543 |
| Core capital (leverage) ratio | 9.3561% | 3,916 |
| Tier 1 risk-based capital ratio | 16.7919% | 2,429 |
| Total risk-based capital ratio | 17.9601% | 2,422 |
| Memoranda: | ||
| Average total assets | $62,603,400 | 6,107 |
| Average earning assets | $59,642,800 | 6,008 |
| Average equity | $6,249,200 | 6,289 |
| Average total loans | $29,998,400 | 6,398 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 6,305 |
| Cost of funding earning assets | 1.0753% | 5,572 |
| Net interest margin | 3.5357% | 5,164 |
| Noninterest income to average assets | 0.3596% | 5,287 |
| Noninterest expense to average assets | 2.7144% | 4,819 |
| Loan and lease loss provision to assets | 0.2954% | 4,216 |
| Net operating income to assets | 0.6940% | 3,442 |
| Return on assets (ROA) | 0.7557% | 3,349 |
| Pretax return on assets | 0.7856% | 3,964 |
| Return on Equity (ROE) | 7.4594% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.4594% | 1,613 |
| Net charge-offs to loans | 0.0044% | 6,612 |
| Credit loss provision to net charge-offs | 13,800.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 476.1805% | 67 |
| Efficiency ratio | 72.7481% | 3,567 |
| Assets per employee ($millions) | 3.6592% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1698% | 1,857 |
| Loan loss allowance to noncurrent loans | 245.6204% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 5,890 |
| Noncurrent loans to loans | 0.8834% | 5,467 |
| Net loans and leases to total assets | 48.7799% | 6,452 |
| Net loans and leases to deposits | 64.0263% | 5,913 |
| Net loans and leases to core deposits | 66.0600% | 6,119 |
| Total domestic deposits to total assets | 76.1872% | 6,619 |
| Equity capital to assets | 10.6469% | 3,351 |
| Core capital (leverage) ratio | 9.7082% | 3,610 |
| Tier 1 risk-based capital ratio | 16.9004% | 2,376 |
| Total risk-based capital ratio | 18.1590% | 2,335 |
| Memoranda: | ||
| Average total assets | $62,283,250 | 6,184 |
| Average earning assets | $59,392,250 | 6,083 |
| Average equity | $6,309,500 | 6,350 |
| Average total loans | $30,175,750 | 6,468 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 6,523 |
| Cost of funding earning assets | 1.1112% | 5,617 |
| Net interest margin | 3.4683% | 5,373 |
| Noninterest income to average assets | 0.3274% | 5,534 |
| Noninterest expense to average assets | 2.7251% | 4,811 |
| Loan and lease loss provision to assets | 0.4430% | 3,104 |
| Net operating income to assets | 0.4388% | 4,587 |
| Return on assets (ROA) | 0.4751% | 4,592 |
| Pretax return on assets | 0.5039% | 4,889 |
| Return on Equity (ROE) | 4.7703% | 4,398 |
| Retained earnings to average equity (ytd only) | 4.7703% | 3,030 |
| Net charge-offs to loans | 0.0067% | 6,271 |
| Credit loss provision to net charge-offs | 13,800.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 283.0000% | 117 |
| Efficiency ratio | 75.0000% | 3,263 |
| Assets per employee ($millions) | 3.5802% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,599 |
| Loan loss allowance to noncurrent loans | 165.3563% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.9135% | 5,292 |
| Noncurrent loans to loans | 1.3858% | 4,626 |
| Net loans and leases to total assets | 47.1502% | 6,693 |
| Net loans and leases to deposits | 60.8103% | 6,331 |
| Net loans and leases to core deposits | 62.1268% | 6,537 |
| Total domestic deposits to total assets | 77.5364% | 6,383 |
| Equity capital to assets | 10.4546% | 3,474 |
| Core capital (leverage) ratio | 9.3298% | 4,066 |
| Tier 1 risk-based capital ratio | 17.2324% | 2,188 |
| Total risk-based capital ratio | 18.4925% | 2,150 |
| Memoranda: | ||
| Average total assets | $62,309,000 | 6,220 |
| Average earning assets | $59,395,670 | 6,119 |
| Average equity | $6,205,000 | 6,402 |
| Average total loans | $29,895,330 | 6,534 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 6,808 |
| Cost of funding earning assets | 1.1226% | 5,789 |
| Net interest margin | 3.3679% | 5,717 |
| Noninterest income to average assets | 0.3110% | 5,663 |
| Noninterest expense to average assets | 2.6780% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8125% | 2,911 |
| Return on assets (ROA) | 0.8250% | 2,958 |
| Pretax return on assets | 0.8440% | 3,690 |
| Return on Equity (ROE) | 8.4884% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.4884% | 1,542 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3110% | 3,165 |
| Assets per employee ($millions) | 3.7286% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 2,520 |
| Loan loss allowance to noncurrent loans | 197.7860% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 5,478 |
| Noncurrent loans to loans | 0.9474% | 5,439 |
| Net loans and leases to total assets | 44.2820% | 6,969 |
| Net loans and leases to deposits | 58.7586% | 6,573 |
| Net loans and leases to core deposits | 60.0150% | 6,749 |
| Total domestic deposits to total assets | 75.3625% | 6,854 |
| Equity capital to assets | 9.7481% | 4,172 |
| Core capital (leverage) ratio | 9.1810% | 4,257 |
| Tier 1 risk-based capital ratio | 16.9706% | 2,280 |
| Total risk-based capital ratio | 18.2243% | 2,228 |
| Memoranda: | ||
| Average total assets | $63,032,000 | 6,269 |
| Average earning assets | $59,858,500 | 6,177 |
| Average equity | $6,126,000 | 6,474 |
| Average total loans | $30,158,000 | 6,599 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 6,483 |
| Cost of funding earning assets | 1.3870% | 5,986 |
| Net interest margin | 3.5984% | 4,556 |
| Noninterest income to average assets | 0.1981% | 6,678 |
| Noninterest expense to average assets | 2.7971% | 4,986 |
| Loan and lease loss provision to assets | 0.2518% | 5,384 |
| Net operating income to assets | 0.5393% | 3,575 |
| Return on assets (ROA) | 0.6414% | 3,229 |
| Pretax return on assets | 0.6716% | 3,675 |
| Return on Equity (ROE) | 6.3001% | 3,078 |
| Retained earnings to average equity (ytd only) | 1.2864% | 4,144 |
| Net charge-offs to loans | 0.0230% | 6,917 |
| Credit loss provision to net charge-offs | 2,142.8571% | 153 |
| Earnings coverage of net charge-offs (x) | 69.4286% | 390 |
| Efficiency ratio | 77.4164% | 3,285 |
| Assets per employee ($millions) | 3.6869% | 4,547 |
| Cash dividends to net income (ytd only)* | 79.5812% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 2,925 |
| Loan loss allowance to noncurrent loans | 194.9091% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 5,385 |
| Noncurrent loans to loans | 0.8672% | 5,562 |
| Net loans and leases to total assets | 49.7391% | 6,668 |
| Net loans and leases to deposits | 67.4098% | 5,899 |
| Net loans and leases to core deposits | 72.3133% | 6,636 |
| Total domestic deposits to total assets | 73.7862% | 7,048 |
| Equity capital to assets | 9.6894% | 4,155 |
| Core capital (leverage) ratio | 9.3907% | 3,841 |
| Tier 1 risk-based capital ratio | 15.4279% | 2,744 |
| Total risk-based capital ratio | 16.6812% | 2,698 |
| Memoranda: | ||
| Average total assets | $59,561,800 | 6,367 |
| Average earning assets | $56,524,400 | 6,271 |
| Average equity | $6,063,400 | 6,583 |
| Average total loans | $30,483,800 | 6,600 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 6,580 |
| Cost of funding earning assets | 1.4440% | 6,062 |
| Net interest margin | 3.5645% | 4,615 |
| Noninterest income to average assets | 0.3561% | 5,644 |
| Noninterest expense to average assets | 2.8103% | 4,848 |
| Loan and lease loss provision to assets | 0.2268% | 5,156 |
| Net operating income to assets | 0.6776% | 3,284 |
| Return on assets (ROA) | 0.8052% | 2,856 |
| Pretax return on assets | 0.8324% | 3,433 |
| Return on Equity (ROE) | 7.8093% | 2,720 |
| Retained earnings to average equity (ytd only) | 7.8093% | 1,196 |
| Net charge-offs to loans | 0.0309% | 6,457 |
| Credit loss provision to net charge-offs | 1,428.5714% | 270 |
| Earnings coverage of net charge-offs (x) | 58.4480% | 558 |
| Efficiency ratio | 75.1820% | 3,662 |
| Assets per employee ($millions) | 3.6275% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 3,396 |
| Loan loss allowance to noncurrent loans | 211.3043% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 4,639 |
| Noncurrent loans to loans | 0.7132% | 5,876 |
| Net loans and leases to total assets | 51.5089% | 6,653 |
| Net loans and leases to deposits | 71.0652% | 5,790 |
| Net loans and leases to core deposits | 77.0615% | 6,556 |
| Total domestic deposits to total assets | 72.4812% | 7,150 |
| Equity capital to assets | 10.4545% | 3,562 |
| Core capital (leverage) ratio | 10.0858% | 3,194 |
| Tier 1 risk-based capital ratio | 15.9572% | 2,642 |
| Total risk-based capital ratio | 17.2092% | 2,578 |
| Memoranda: | ||
| Average total assets | $58,783,000 | 6,434 |
| Average earning assets | $55,770,500 | 6,348 |
| Average equity | $6,061,000 | 6,642 |
| Average total loans | $30,177,000 | 6,671 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0154% | 6,714 |
| Cost of funding earning assets | 1.5112% | 6,092 |
| Net interest margin | 3.5042% | 4,777 |
| Noninterest income to average assets | 0.3493% | 5,709 |
| Noninterest expense to average assets | 2.8501% | 4,737 |
| Loan and lease loss provision to assets | 0.1729% | 5,332 |
| Net operating income to assets | 0.6223% | 3,575 |
| Return on assets (ROA) | 0.6157% | 3,726 |
| Pretax return on assets | 0.6399% | 4,197 |
| Return on Equity (ROE) | 6.0010% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.0010% | 2,022 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6626% | 3,399 |
| Assets per employee ($millions) | 3.4289% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 3,311 |
| Loan loss allowance to noncurrent loans | 186.1345% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 1.3089% | 4,328 |
| Noncurrent loans to loans | 0.7948% | 5,644 |
| Net loans and leases to total assets | 50.6107% | 6,816 |
| Net loans and leases to deposits | 64.2605% | 6,539 |
| Net loans and leases to core deposits | 69.1918% | 7,063 |
| Total domestic deposits to total assets | 78.7587% | 5,874 |
| Equity capital to assets | 10.3342% | 3,591 |
| Core capital (leverage) ratio | 9.8034% | 3,515 |
| Tier 1 risk-based capital ratio | 16.7560% | 2,379 |
| Total risk-based capital ratio | 18.0062% | 2,327 |
| Memoranda: | ||
| Average total assets | $57,821,670 | 6,522 |
| Average earning assets | $54,791,000 | 6,436 |
| Average equity | $5,932,330 | 6,748 |
| Average total loans | $29,486,000 | 6,765 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 6,984 |
| Cost of funding earning assets | 1.5593% | 6,201 |
| Net interest margin | 3.4202% | 5,055 |
| Noninterest income to average assets | 0.3334% | 5,783 |
| Noninterest expense to average assets | 2.7715% | 4,692 |
| Loan and lease loss provision to assets | 0.1737% | 4,725 |
| Net operating income to assets | 0.5974% | 4,026 |
| Return on assets (ROA) | 0.5974% | 4,221 |
| Pretax return on assets | 0.6182% | 4,700 |
| Return on Equity (ROE) | 5.8439% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.8439% | 2,693 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 3,202 |
| Assets per employee ($millions) | 3.4090% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 2,951 |
| Loan loss allowance to noncurrent loans | 34.0946% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 3.0214% | 1,866 |
| Noncurrent loans to loans | 4.4166% | 1,319 |
| Net loans and leases to total assets | 47.1779% | 7,088 |
| Net loans and leases to deposits | 61.2299% | 6,793 |
| Net loans and leases to core deposits | 66.0140% | 7,238 |
| Total domestic deposits to total assets | 77.0504% | 6,264 |
| Equity capital to assets | 10.1600% | 3,812 |
| Core capital (leverage) ratio | 9.9639% | 3,441 |
| Tier 1 risk-based capital ratio | 17.4977% | 2,187 |
| Total risk-based capital ratio | 18.7473% | 2,131 |
| Memoranda: | ||
| Average total assets | $57,586,500 | 6,556 |
| Average earning assets | $54,382,500 | 6,480 |
| Average equity | $5,886,500 | 6,819 |
| Average total loans | $29,256,500 | 6,807 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7822% | 6,497 |
| Cost of funding earning assets | 2.3574% | 4,902 |
| Net interest margin | 3.4248% | 5,559 |
| Noninterest income to average assets | 0.4570% | 4,985 |
| Noninterest expense to average assets | 2.8508% | 4,602 |
| Loan and lease loss provision to assets | 0.1428% | 5,528 |
| Net operating income to assets | 0.6716% | 4,019 |
| Return on assets (ROA) | 0.6783% | 3,829 |
| Pretax return on assets | 0.7123% | 4,359 |
| Return on Equity (ROE) | 6.5180% | 3,744 |
| Retained earnings to average equity (ytd only) | 1.3036% | 4,434 |
| Net charge-offs to loans | 0.2542% | 3,734 |
| Credit loss provision to net charge-offs | 103.8961% | 5,145 |
| Earnings coverage of net charge-offs (x) | 6.1688% | 3,427 |
| Efficiency ratio | 77.0753% | 3,064 |
| Assets per employee ($millions) | 3.3659% | 5,049 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 3,943 |
| Loan loss allowance to noncurrent loans | 39.5770% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 2.6529% | 1,802 |
| Noncurrent loans to loans | 3.2288% | 1,622 |
| Net loans and leases to total assets | 53.0601% | 6,744 |
| Net loans and leases to deposits | 74.0476% | 5,839 |
| Net loans and leases to core deposits | 80.3201% | 6,593 |
| Total domestic deposits to total assets | 71.6568% | 7,065 |
| Equity capital to assets | 10.2849% | 3,730 |
| Core capital (leverage) ratio | 10.1285% | 3,336 |
| Tier 1 risk-based capital ratio | 15.9109% | 2,701 |
| Total risk-based capital ratio | 17.0331% | 2,692 |
| Memoranda: | ||
| Average total assets | $56,018,800 | 6,530 |
| Average earning assets | $53,025,000 | 6,464 |
| Average equity | $5,830,000 | 6,865 |
| Average total loans | $30,296,600 | 6,689 |