Home > First Central Bank > Performance and Condition Ratios
First Central Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4318% | 375 |
| Cost of funding earning assets | 1.7206% | 1,405 |
| Net interest margin | 4.7112% | 471 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.7629% | 1,595 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.5792% | 894 |
| Return on assets (ROA) | 1.5792% | 864 |
| Pretax return on assets | 2.0021% | 671 |
| Return on Equity (ROE) | 15.3400% | 1,225 |
| Retained earnings to average equity (ytd only) | 11.9327% | 640 |
| Net charge-offs to loans | -0.1088% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.2074% | 3,378 |
| Assets per employee ($millions) | 4.9525% | 3,675 |
| Cash dividends to net income (ytd only)* | 22.1893% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 643 |
| Loan loss allowance to noncurrent loans | 41.3857% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 3.3402% | 55 |
| Noncurrent loans to loans | 4.1339% | 78 |
| Net loans and leases to total assets | 79.4200% | 714 |
| Net loans and leases to deposits | 93.1017% | 1,007 |
| Net loans and leases to core deposits | 111.2778% | 910 |
| Total domestic deposits to total assets | 85.3000% | 2,210 |
| Equity capital to assets | 10.8080% | 1,582 |
| Core capital (leverage) ratio | 10.8174% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7200% | 2,331 |
| Memoranda: | ||
| Average total assets | $128,415,400 | 3,567 |
| Average earning assets | $120,075,800 | 3,545 |
| Average equity | $13,224,200 | 3,405 |
| Average total loans | $100,188,800 | 3,172 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2566% | 386 |
| Cost of funding earning assets | 1.5988% | 1,373 |
| Net interest margin | 4.6578% | 486 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.6889% | 1,698 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.6094% | 927 |
| Return on assets (ROA) | 1.6094% | 917 |
| Pretax return on assets | 2.0281% | 733 |
| Return on Equity (ROE) | 15.8200% | 1,287 |
| Retained earnings to average equity (ytd only) | 14.2923% | 638 |
| Net charge-offs to loans | -0.0524% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.1754% | 3,390 |
| Assets per employee ($millions) | 5.1586% | 3,469 |
| Cash dividends to net income (ytd only)* | 9.6837% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 883 |
| Loan loss allowance to noncurrent loans | 47.1472% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 2.7860% | 81 |
| Noncurrent loans to loans | 3.3946% | 111 |
| Net loans and leases to total assets | 80.7600% | 563 |
| Net loans and leases to deposits | 94.6062% | 856 |
| Net loans and leases to core deposits | 114.7465% | 702 |
| Total domestic deposits to total assets | 85.3600% | 2,396 |
| Equity capital to assets | 10.6447% | 1,489 |
| Core capital (leverage) ratio | 10.5624% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8684% | 2,314 |
| Memoranda: | ||
| Average total assets | $128,327,750 | 3,581 |
| Average earning assets | $120,339,250 | 3,551 |
| Average equity | $13,051,000 | 3,415 |
| Average total loans | $99,225,750 | 3,186 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0381% | 427 |
| Cost of funding earning assets | 1.4666% | 1,308 |
| Net interest margin | 4.5715% | 561 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.7194% | 1,599 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.5127% | 1,075 |
| Return on assets (ROA) | 1.5127% | 1,075 |
| Pretax return on assets | 1.9108% | 847 |
| Return on Equity (ROE) | 15.1100% | 1,451 |
| Retained earnings to average equity (ytd only) | 15.1107% | 549 |
| Net charge-offs to loans | -0.0474% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.8545% | 3,204 |
| Assets per employee ($millions) | 5.1974% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 675 |
| Loan loss allowance to noncurrent loans | 47.6125% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 2.7883% | 82 |
| Noncurrent loans to loans | 3.6890% | 104 |
| Net loans and leases to total assets | 74.2600% | 1,254 |
| Net loans and leases to deposits | 86.3496% | 1,474 |
| Net loans and leases to core deposits | 104.7508% | 1,022 |
| Total domestic deposits to total assets | 86.0000% | 2,228 |
| Equity capital to assets | 10.2398% | 1,723 |
| Core capital (leverage) ratio | 10.3086% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $128,115,333 | 3,590 |
| Average earning assets | $120,003,667 | 3,567 |
| Average equity | $12,825,333 | 3,453 |
| Average total loans | $97,019,000 | 3,206 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9245% | 343 |
| Cost of funding earning assets | 1.3410% | 1,151 |
| Net interest margin | 4.5836% | 516 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.6194% | 1,901 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.6006% | 977 |
| Return on assets (ROA) | 1.6006% | 973 |
| Pretax return on assets | 2.0062% | 773 |
| Return on Equity (ROE) | 16.4300% | 1,275 |
| Retained earnings to average equity (ytd only) | 16.4293% | 649 |
| Net charge-offs to loans | -0.0788% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.7937% | 3,426 |
| Assets per employee ($millions) | 5.4993% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 658 |
| Loan loss allowance to noncurrent loans | 46.0912% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 3.6993% | 29 |
| Noncurrent loans to loans | 3.9214% | 93 |
| Net loans and leases to total assets | 72.9300% | 1,327 |
| Net loans and leases to deposits | 84.5403% | 1,461 |
| Net loans and leases to core deposits | 101.8336% | 1,007 |
| Total domestic deposits to total assets | 86.2700% | 2,516 |
| Equity capital to assets | 9.9902% | 1,827 |
| Core capital (leverage) ratio | 9.8343% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $127,206,000 | 3,641 |
| Average earning assets | $118,422,500 | 3,629 |
| Average equity | $12,392,500 | 3,537 |
| Average total loans | $96,422,500 | 3,249 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 620 |
| Cost of funding earning assets | 0.6416% | 749 |
| Net interest margin | 3.9520% | 856 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.6703% | 1,625 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0287% | 2,463 |
| Return on assets (ROA) | 1.0275% | 2,410 |
| Pretax return on assets | 1.3036% | 2,073 |
| Return on Equity (ROE) | 10.1400% | 2,767 |
| Retained earnings to average equity (ytd only) | 6.1856% | 2,574 |
| Net charge-offs to loans | 0.4225% | 180 |
| Credit loss provision to net charge-offs | 43.7018% | 1,847 |
| Earnings coverage of net charge-offs (x) | 4.5810% | 2,410 |
| Efficiency ratio | 64.9213% | 2,372 |
| Assets per employee ($millions) | 5.5969% | 3,127 |
| Cash dividends to net income (ytd only)* | 39.0071% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 749 |
| Loan loss allowance to noncurrent loans | 26.7264% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 6.0818% | 13 |
| Noncurrent loans to loans | 6.5113% | 36 |
| Net loans and leases to total assets | 75.8800% | 1,022 |
| Net loans and leases to deposits | 88.5820% | 1,138 |
| Net loans and leases to core deposits | 102.0273% | 892 |
| Total domestic deposits to total assets | 85.6600% | 2,812 |
| Equity capital to assets | 10.0592% | 1,681 |
| Core capital (leverage) ratio | 10.6645% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $123,508,000 | 3,697 |
| Average earning assets | $115,485,000 | 3,674 |
| Average equity | $12,513,000 | 3,618 |
| Average total loans | $92,080,400 | 3,265 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3245% | 690 |
| Cost of funding earning assets | 0.5710% | 512 |
| Net interest margin | 3.7534% | 1,028 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.7178% | 1,432 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9453% | 2,683 |
| Return on assets (ROA) | 0.9427% | 2,659 |
| Pretax return on assets | 1.1805% | 2,443 |
| Return on Equity (ROE) | 9.2900% | 2,936 |
| Retained earnings to average equity (ytd only) | 5.8474% | 2,805 |
| Net charge-offs to loans | -0.0931% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.5094% | 1,954 |
| Assets per employee ($millions) | 5.1923% | 3,508 |
| Cash dividends to net income (ytd only)* | 37.0370% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 483 |
| Loan loss allowance to noncurrent loans | 36.0348% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 4.6142% | 21 |
| Noncurrent loans to loans | 5.6240% | 45 |
| Net loans and leases to total assets | 80.3800% | 503 |
| Net loans and leases to deposits | 97.2845% | 483 |
| Net loans and leases to core deposits | 116.8972% | 314 |
| Total domestic deposits to total assets | 82.6300% | 3,738 |
| Equity capital to assets | 10.2139% | 1,514 |
| Core capital (leverage) ratio | 10.4737% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $122,203,000 | 3,732 |
| Average earning assets | $114,878,750 | 3,707 |
| Average equity | $12,404,000 | 3,667 |
| Average total loans | $90,247,500 | 3,295 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0055% | 930 |
| Cost of funding earning assets | 0.5471% | 396 |
| Net interest margin | 3.4584% | 1,421 |
| Noninterest income to average assets | 0.4514% | 2,436 |
| Noninterest expense to average assets | 2.7644% | 1,235 |
| Loan and lease loss provision to assets | 0.0988% | 1,013 |
| Net operating income to assets | 0.6699% | 3,415 |
| Return on assets (ROA) | 0.6672% | 3,369 |
| Pretax return on assets | 0.8237% | 3,267 |
| Return on Equity (ROE) | 6.5875% | 3,427 |
| Retained earnings to average equity (ytd only) | 3.7248% | 3,192 |
| Net charge-offs to loans | -0.1090% | 4,470 |
| Credit loss provision to net charge-offs | -127.6596% | 3,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9107% | 1,400 |
| Assets per employee ($millions) | 5.3437% | 3,391 |
| Cash dividends to net income (ytd only)* | 43.4568% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2424% | 355 |
| Loan loss allowance to noncurrent loans | 35.2356% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 4.7476% | 18 |
| Noncurrent loans to loans | 6.3641% | 34 |
| Net loans and leases to total assets | 72.9262% | 1,013 |
| Net loans and leases to deposits | 85.4270% | 1,020 |
| Net loans and leases to core deposits | 101.4649% | 613 |
| Total domestic deposits to total assets | 85.3667% | 3,400 |
| Equity capital to assets | 10.1135% | 1,646 |
| Core capital (leverage) ratio | 10.1374% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,399,000 | 3,788 |
| Average earning assets | $113,692,667 | 3,768 |
| Average equity | $12,296,000 | 3,760 |
| Average total loans | $86,250,000 | 3,375 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 1,082 |
| Cost of funding earning assets | 0.5729% | 311 |
| Net interest margin | 3.2288% | 1,789 |
| Noninterest income to average assets | 0.4012% | 2,678 |
| Noninterest expense to average assets | 2.6623% | 1,445 |
| Loan and lease loss provision to assets | 0.0995% | 842 |
| Net operating income to assets | 0.5537% | 3,544 |
| Return on assets (ROA) | 0.5537% | 3,519 |
| Pretax return on assets | 0.6664% | 3,483 |
| Return on Equity (ROE) | 5.4624% | 3,494 |
| Retained earnings to average equity (ytd only) | -0.2944% | 4,054 |
| Net charge-offs to loans | 0.0383% | 900 |
| Credit loss provision to net charge-offs | 375.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 28.8750% | 1,149 |
| Efficiency ratio | 77.6596% | 1,344 |
| Assets per employee ($millions) | 5.2678% | 3,529 |
| Cash dividends to net income (ytd only)* | 105.3892% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4243% | 307 |
| Loan loss allowance to noncurrent loans | 31.7698% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 5.1205% | 19 |
| Noncurrent loans to loans | 7.6307% | 28 |
| Net loans and leases to total assets | 65.4771% | 1,464 |
| Net loans and leases to deposits | 76.7932% | 1,381 |
| Net loans and leases to core deposits | 92.3754% | 797 |
| Total domestic deposits to total assets | 85.2641% | 3,480 |
| Equity capital to assets | 10.0842% | 1,836 |
| Core capital (leverage) ratio | 9.8231% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,646,000 | 3,810 |
| Average earning assets | $113,106,000 | 3,792 |
| Average equity | $12,229,000 | 3,838 |
| Average total loans | $83,532,000 | 3,410 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 583 |
| Cost of funding earning assets | 0.6837% | 347 |
| Net interest margin | 3.8409% | 936 |
| Noninterest income to average assets | 0.4314% | 2,896 |
| Noninterest expense to average assets | 2.7631% | 1,445 |
| Loan and lease loss provision to assets | 0.1528% | 780 |
| Net operating income to assets | 0.8644% | 3,149 |
| Return on assets (ROA) | 0.8644% | 3,209 |
| Pretax return on assets | 1.0980% | 2,976 |
| Return on Equity (ROE) | 8.3574% | 3,117 |
| Retained earnings to average equity (ytd only) | 3.8421% | 3,280 |
| Net charge-offs to loans | 0.0863% | 946 |
| Credit loss provision to net charge-offs | 246.5753% | 1,177 |
| Earnings coverage of net charge-offs (x) | 20.1781% | 1,861 |
| Efficiency ratio | 68.8386% | 1,877 |
| Assets per employee ($millions) | 5.2231% | 3,540 |
| Cash dividends to net income (ytd only)* | 54.0275% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2726% | 402 |
| Loan loss allowance to noncurrent loans | 29.5796% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 5.4848% | 19 |
| Noncurrent loans to loans | 7.6830% | 28 |
| Net loans and leases to total assets | 69.7666% | 1,072 |
| Net loans and leases to deposits | 81.8525% | 1,078 |
| Net loans and leases to core deposits | 97.6932% | 629 |
| Total domestic deposits to total assets | 85.2346% | 3,198 |
| Equity capital to assets | 10.1888% | 2,480 |
| Core capital (leverage) ratio | 10.1025% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,764,800 | 3,825 |
| Average earning assets | $109,845,200 | 3,812 |
| Average equity | $12,180,800 | 3,917 |
| Average total loans | $84,588,800 | 3,407 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 440 |
| Cost of funding earning assets | 0.7010% | 380 |
| Net interest margin | 4.0548% | 708 |
| Noninterest income to average assets | 0.4392% | 2,888 |
| Noninterest expense to average assets | 2.7469% | 1,468 |
| Loan and lease loss provision to assets | 0.1536% | 722 |
| Net operating income to assets | 1.0491% | 2,734 |
| Return on assets (ROA) | 1.0491% | 2,799 |
| Pretax return on assets | 1.3234% | 2,563 |
| Return on Equity (ROE) | 10.1044% | 2,700 |
| Retained earnings to average equity (ytd only) | 5.7207% | 2,946 |
| Net charge-offs to loans | -0.0427% | 4,281 |
| Credit loss provision to net charge-offs | -500.0000% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0323% | 2,239 |
| Assets per employee ($millions) | 5.1737% | 3,531 |
| Cash dividends to net income (ytd only)* | 43.3839% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3824% | 343 |
| Loan loss allowance to noncurrent loans | 28.3411% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 5.9423% | 16 |
| Noncurrent loans to loans | 8.4060% | 25 |
| Net loans and leases to total assets | 69.0068% | 1,189 |
| Net loans and leases to deposits | 81.3590% | 1,161 |
| Net loans and leases to core deposits | 99.2542% | 616 |
| Total domestic deposits to total assets | 84.8177% | 3,176 |
| Equity capital to assets | 10.3367% | 2,580 |
| Core capital (leverage) ratio | 10.3708% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,173,000 | 3,879 |
| Average earning assets | $109,364,500 | 3,862 |
| Average equity | $12,166,000 | 3,965 |
| Average total loans | $84,295,750 | 3,458 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 309 |
| Cost of funding earning assets | 0.7185% | 422 |
| Net interest margin | 4.3441% | 459 |
| Noninterest income to average assets | 0.4478% | 2,856 |
| Noninterest expense to average assets | 2.7195% | 1,538 |
| Loan and lease loss provision to assets | 0.1544% | 761 |
| Net operating income to assets | 1.2800% | 1,920 |
| Return on assets (ROA) | 1.2800% | 1,999 |
| Pretax return on assets | 1.6197% | 1,683 |
| Return on Equity (ROE) | 12.3089% | 1,944 |
| Retained earnings to average equity (ytd only) | 9.8339% | 1,449 |
| Net charge-offs to loans | -0.0830% | 4,567 |
| Credit loss provision to net charge-offs | -257.1429% | 3,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5193% | 2,942 |
| Assets per employee ($millions) | 5.1718% | 3,487 |
| Cash dividends to net income (ytd only)* | 20.1072% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2846% | 375 |
| Loan loss allowance to noncurrent loans | 34.9130% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 4.7364% | 40 |
| Noncurrent loans to loans | 6.5436% | 50 |
| Net loans and leases to total assets | 70.7285% | 1,124 |
| Net loans and leases to deposits | 83.3941% | 1,102 |
| Net loans and leases to core deposits | 102.5499% | 579 |
| Total domestic deposits to total assets | 84.8124% | 3,174 |
| Equity capital to assets | 10.4000% | 2,489 |
| Core capital (leverage) ratio | 10.4098% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,566,000 | 3,898 |
| Average earning assets | $108,560,000 | 3,890 |
| Average equity | $12,121,333 | 3,973 |
| Average total loans | $84,355,000 | 3,472 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 219 |
| Cost of funding earning assets | 0.7464% | 457 |
| Net interest margin | 4.6129% | 310 |
| Noninterest income to average assets | 0.4230% | 2,974 |
| Noninterest expense to average assets | 2.7008% | 1,618 |
| Loan and lease loss provision to assets | 0.1560% | 823 |
| Net operating income to assets | 1.4978% | 1,341 |
| Return on assets (ROA) | 1.4978% | 1,404 |
| Pretax return on assets | 1.8514% | 1,194 |
| Return on Equity (ROE) | 14.4042% | 1,345 |
| Retained earnings to average equity (ytd only) | 14.4042% | 709 |
| Net charge-offs to loans | -0.0910% | 4,605 |
| Credit loss provision to net charge-offs | -236.8421% | 3,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3638% | 3,384 |
| Assets per employee ($millions) | 5.0914% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2763% | 380 |
| Loan loss allowance to noncurrent loans | 30.5547% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 5.4867% | 28 |
| Noncurrent loans to loans | 7.4500% | 40 |
| Net loans and leases to total assets | 69.8750% | 1,304 |
| Net loans and leases to deposits | 82.3280% | 1,315 |
| Net loans and leases to core deposits | 100.9923% | 673 |
| Total domestic deposits to total assets | 84.8739% | 3,154 |
| Equity capital to assets | 10.4268% | 2,343 |
| Core capital (leverage) ratio | 10.5467% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,373,000 | 3,909 |
| Average earning assets | $107,177,500 | 3,907 |
| Average equity | $11,996,500 | 3,999 |
| Average total loans | $83,482,500 | 3,504 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 634 |
| Cost of funding earning assets | 1.0748% | 444 |
| Net interest margin | 3.7966% | 1,509 |
| Noninterest income to average assets | 0.3040% | 3,654 |
| Noninterest expense to average assets | 2.4788% | 2,910 |
| Loan and lease loss provision to assets | 0.1586% | 2,389 |
| Net operating income to assets | 0.9270% | 2,580 |
| Return on assets (ROA) | 0.9270% | 2,726 |
| Pretax return on assets | 1.1746% | 2,419 |
| Return on Equity (ROE) | 9.2032% | 2,308 |
| Retained earnings to average equity (ytd only) | 3.6918% | 2,982 |
| Net charge-offs to loans | 0.4334% | 384 |
| Credit loss provision to net charge-offs | 49.3151% | 3,151 |
| Earnings coverage of net charge-offs (x) | 4.1452% | 3,021 |
| Efficiency ratio | 65.0254% | 2,676 |
| Assets per employee ($millions) | 4.9410% | 3,450 |
| Cash dividends to net income (ytd only)* | 59.8859% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2130% | 397 |
| Loan loss allowance to noncurrent loans | 28.0237% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 6.4605% | 23 |
| Noncurrent loans to loans | 7.8970% | 38 |
| Net loans and leases to total assets | 71.6201% | 1,343 |
| Net loans and leases to deposits | 84.3344% | 1,420 |
| Net loans and leases to core deposits | 103.9343% | 726 |
| Total domestic deposits to total assets | 84.9240% | 2,793 |
| Equity capital to assets | 10.3683% | 2,784 |
| Core capital (leverage) ratio | 10.2395% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,484,000 | 3,832 |
| Average earning assets | $104,856,400 | 3,835 |
| Average equity | $11,430,800 | 4,037 |
| Average total loans | $84,220,400 | 3,495 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 617 |
| Cost of funding earning assets | 1.1496% | 440 |
| Net interest margin | 3.8426% | 1,490 |
| Noninterest income to average assets | 0.5876% | 2,222 |
| Noninterest expense to average assets | 2.6973% | 2,265 |
| Loan and lease loss provision to assets | 0.1587% | 2,421 |
| Net operating income to assets | 1.0202% | 2,259 |
| Return on assets (ROA) | 1.0202% | 2,389 |
| Pretax return on assets | 1.2869% | 2,108 |
| Return on Equity (ROE) | 10.2030% | 1,952 |
| Retained earnings to average equity (ytd only) | 4.5608% | 2,768 |
| Net charge-offs to loans | 0.4451% | 355 |
| Credit loss provision to net charge-offs | 47.8723% | 2,896 |
| Earnings coverage of net charge-offs (x) | 4.3617% | 2,828 |
| Efficiency ratio | 65.1064% | 2,578 |
| Assets per employee ($millions) | 4.9650% | 3,294 |
| Cash dividends to net income (ytd only)* | 55.2995% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1635% | 374 |
| Loan loss allowance to noncurrent loans | 29.5458% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 6.2455% | 36 |
| Noncurrent loans to loans | 7.3226% | 50 |
| Net loans and leases to total assets | 74.4472% | 1,321 |
| Net loans and leases to deposits | 87.9572% | 1,490 |
| Net loans and leases to core deposits | 112.6459% | 608 |
| Total domestic deposits to total assets | 84.6403% | 2,577 |
| Equity capital to assets | 10.2885% | 2,972 |
| Core capital (leverage) ratio | 10.1530% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,444,000 | 3,822 |
| Average earning assets | $104,960,500 | 3,836 |
| Average equity | $11,342,750 | 4,054 |
| Average total loans | $84,467,000 | 3,512 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0847% | 707 |
| Cost of funding earning assets | 1.2277% | 465 |
| Net interest margin | 3.8570% | 1,671 |
| Noninterest income to average assets | 0.6661% | 1,874 |
| Noninterest expense to average assets | 2.5567% | 2,806 |
| Loan and lease loss provision to assets | 0.1590% | 2,409 |
| Net operating income to assets | 1.2863% | 1,394 |
| Return on assets (ROA) | 1.2863% | 1,508 |
| Pretax return on assets | 1.5142% | 1,420 |
| Return on Equity (ROE) | 12.9915% | 1,099 |
| Retained earnings to average equity (ytd only) | 6.2102% | 1,982 |
| Net charge-offs to loans | 0.6455% | 246 |
| Credit loss provision to net charge-offs | 33.3333% | 2,692 |
| Earnings coverage of net charge-offs (x) | 3.5074% | 2,673 |
| Efficiency ratio | 60.4428% | 3,355 |
| Assets per employee ($millions) | 5.1390% | 3,013 |
| Cash dividends to net income (ytd only)* | 52.1978% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0597% | 399 |
| Loan loss allowance to noncurrent loans | 25.7350% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 6.0721% | 41 |
| Noncurrent loans to loans | 8.0036% | 41 |
| Net loans and leases to total assets | 74.3045% | 1,374 |
| Net loans and leases to deposits | 86.5604% | 1,709 |
| Net loans and leases to core deposits | 109.7031% | 749 |
| Total domestic deposits to total assets | 85.8413% | 2,083 |
| Equity capital to assets | 9.3607% | 3,769 |
| Core capital (leverage) ratio | 9.5515% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,193,667 | 3,812 |
| Average earning assets | $104,588,667 | 3,832 |
| Average equity | $11,207,333 | 4,080 |
| Average total loans | $83,657,667 | 3,523 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1054% | 783 |
| Cost of funding earning assets | 1.3691% | 453 |
| Net interest margin | 3.7363% | 2,195 |
| Noninterest income to average assets | 0.8375% | 1,201 |
| Noninterest expense to average assets | 2.8517% | 2,273 |
| Loan and lease loss provision to assets | 0.1624% | 1,788 |
| Net operating income to assets | 1.0288% | 2,080 |
| Return on assets (ROA) | 1.0288% | 2,179 |
| Pretax return on assets | 1.2418% | 2,061 |
| Return on Equity (ROE) | 10.0026% | 1,747 |
| Retained earnings to average equity (ytd only) | 4.0361% | 2,666 |
| Net charge-offs to loans | 0.1290% | 942 |
| Credit loss provision to net charge-offs | 173.0769% | 1,498 |
| Earnings coverage of net charge-offs (x) | 14.9615% | 1,582 |
| Efficiency ratio | 67.0059% | 2,816 |
| Assets per employee ($millions) | 4.7982% | 2,875 |
| Cash dividends to net income (ytd only)* | 59.6491% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5210% | 238 |
| Loan loss allowance to noncurrent loans | 27.2982% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 6.7915% | 35 |
| Noncurrent loans to loans | 9.2352% | 33 |
| Net loans and leases to total assets | 71.6851% | 1,967 |
| Net loans and leases to deposits | 84.8703% | 2,121 |
| Net loans and leases to core deposits | 108.3475% | 933 |
| Total domestic deposits to total assets | 84.4643% | 2,610 |
| Equity capital to assets | 10.3807% | 3,443 |
| Core capital (leverage) ratio | 10.3960% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,810,500 | 3,836 |
| Average earning assets | $101,383,500 | 3,859 |
| Average equity | $11,397,000 | 4,080 |
| Average total loans | $80,650,500 | 3,568 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4640% | 601 |
| Cost of funding earning assets | 1.4187% | 521 |
| Net interest margin | 4.0453% | 1,696 |
| Noninterest income to average assets | 0.5288% | 2,586 |
| Noninterest expense to average assets | 2.8768% | 2,364 |
| Loan and lease loss provision to assets | 0.1636% | 1,275 |
| Net operating income to assets | 0.9668% | 2,962 |
| Return on assets (ROA) | 0.9668% | 3,049 |
| Pretax return on assets | 1.2194% | 2,773 |
| Return on Equity (ROE) | 9.5300% | 2,507 |
| Retained earnings to average equity (ytd only) | 3.1707% | 3,430 |
| Net charge-offs to loans | 0.2757% | 756 |
| Credit loss provision to net charge-offs | 80.3571% | 2,791 |
| Earnings coverage of net charge-offs (x) | 6.7946% | 2,934 |
| Efficiency ratio | 67.5341% | 2,525 |
| Assets per employee ($millions) | 4.8375% | 2,791 |
| Cash dividends to net income (ytd only)* | 66.7293% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5292% | 210 |
| Loan loss allowance to noncurrent loans | 34.3851% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 5.2983% | 45 |
| Noncurrent loans to loans | 7.3555% | 42 |
| Net loans and leases to total assets | 70.2100% | 2,365 |
| Net loans and leases to deposits | 82.9338% | 2,450 |
| Net loans and leases to core deposits | 105.5792% | 1,135 |
| Total domestic deposits to total assets | 84.6578% | 2,623 |
| Equity capital to assets | 10.1904% | 3,742 |
| Core capital (leverage) ratio | 10.2981% | 3,193 |
| Tier 1 risk-based capital ratio | 11.8572% | 4,445 |
| Total risk-based capital ratio | 13.1185% | 4,309 |
| Memoranda: | ||
| Average total assets | $110,053,200 | 3,832 |
| Average earning assets | $101,501,600 | 3,843 |
| Average equity | $11,164,800 | 4,098 |
| Average total loans | $81,259,400 | 3,573 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4584% | 635 |
| Cost of funding earning assets | 1.4117% | 557 |
| Net interest margin | 4.0467% | 1,781 |
| Noninterest income to average assets | 0.5285% | 2,564 |
| Noninterest expense to average assets | 2.8646% | 2,362 |
| Loan and lease loss provision to assets | 0.1640% | 1,139 |
| Net operating income to assets | 1.0083% | 2,952 |
| Return on assets (ROA) | 1.0083% | 3,033 |
| Pretax return on assets | 1.2574% | 2,790 |
| Return on Equity (ROE) | 9.9505% | 2,451 |
| Retained earnings to average equity (ytd only) | 4.9752% | 2,901 |
| Net charge-offs to loans | 0.3663% | 463 |
| Credit loss provision to net charge-offs | 60.2679% | 2,703 |
| Earnings coverage of net charge-offs (x) | 5.2232% | 2,935 |
| Efficiency ratio | 66.8367% | 2,610 |
| Assets per employee ($millions) | 4.8385% | 2,748 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4215% | 247 |
| Loan loss allowance to noncurrent loans | 29.1385% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 6.1122% | 48 |
| Noncurrent loans to loans | 8.3104% | 42 |
| Net loans and leases to total assets | 71.7673% | 2,208 |
| Net loans and leases to deposits | 84.6318% | 2,364 |
| Net loans and leases to core deposits | 110.4676% | 932 |
| Total domestic deposits to total assets | 84.7995% | 2,500 |
| Equity capital to assets | 10.2412% | 3,783 |
| Core capital (leverage) ratio | 10.2756% | 3,330 |
| Tier 1 risk-based capital ratio | 15.0006% | 2,844 |
| Total risk-based capital ratio | 16.2671% | 2,770 |
| Memoranda: | ||
| Average total assets | $109,751,000 | 3,876 |
| Average earning assets | $101,908,000 | 3,877 |
| Average equity | $11,121,500 | 4,141 |
| Average total loans | $81,538,250 | 3,613 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4057% | 671 |
| Cost of funding earning assets | 1.3898% | 555 |
| Net interest margin | 4.0159% | 1,873 |
| Noninterest income to average assets | 0.5309% | 2,500 |
| Noninterest expense to average assets | 2.8341% | 2,470 |
| Loan and lease loss provision to assets | 0.1648% | 1,104 |
| Net operating income to assets | 1.0216% | 2,838 |
| Return on assets (ROA) | 1.0216% | 2,921 |
| Pretax return on assets | 1.2669% | 2,688 |
| Return on Equity (ROE) | 10.1182% | 2,334 |
| Retained earnings to average equity (ytd only) | 2.5930% | 3,895 |
| Net charge-offs to loans | 0.5575% | 275 |
| Credit loss provision to net charge-offs | 39.6476% | 2,538 |
| Earnings coverage of net charge-offs (x) | 3.4449% | 2,843 |
| Efficiency ratio | 66.4378% | 2,760 |
| Assets per employee ($millions) | 4.7053% | 2,873 |
| Cash dividends to net income (ytd only)* | 74.3728% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3687% | 268 |
| Loan loss allowance to noncurrent loans | 28.3204% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 6.0473% | 53 |
| Noncurrent loans to loans | 8.3641% | 40 |
| Net loans and leases to total assets | 70.5881% | 2,451 |
| Net loans and leases to deposits | 82.6521% | 2,657 |
| Net loans and leases to core deposits | 110.4303% | 951 |
| Total domestic deposits to total assets | 85.4038% | 2,304 |
| Equity capital to assets | 9.8054% | 4,134 |
| Core capital (leverage) ratio | 9.9053% | 3,696 |
| Tier 1 risk-based capital ratio | 13.2327% | 3,719 |
| Total risk-based capital ratio | 14.4959% | 3,621 |
| Memoranda: | ||
| Average total assets | $109,239,330 | 3,909 |
| Average earning assets | $101,597,000 | 3,906 |
| Average equity | $11,029,670 | 4,166 |
| Average total loans | $81,434,670 | 3,633 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 593 |
| Cost of funding earning assets | 1.3802% | 493 |
| Net interest margin | 4.0482% | 1,692 |
| Noninterest income to average assets | 0.4842% | 2,651 |
| Noninterest expense to average assets | 2.8791% | 2,332 |
| Loan and lease loss provision to assets | 0.1676% | 1,002 |
| Net operating income to assets | 0.9684% | 2,980 |
| Return on assets (ROA) | 0.9684% | 3,021 |
| Pretax return on assets | 1.1956% | 2,823 |
| Return on Equity (ROE) | 9.4477% | 2,613 |
| Retained earnings to average equity (ytd only) | 5.8140% | 2,540 |
| Net charge-offs to loans | 1.3476% | 95 |
| Credit loss provision to net charge-offs | 16.4234% | 2,157 |
| Earnings coverage of net charge-offs (x) | 1.3358% | 2,607 |
| Efficiency ratio | 67.8665% | 2,658 |
| Assets per employee ($millions) | 4.5851% | 3,065 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2942% | 302 |
| Loan loss allowance to noncurrent loans | 35.7323% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 4.6846% | 75 |
| Noncurrent loans to loans | 6.4204% | 65 |
| Net loans and leases to total assets | 71.2901% | 2,287 |
| Net loans and leases to deposits | 83.8086% | 2,409 |
| Net loans and leases to core deposits | 110.4760% | 904 |
| Total domestic deposits to total assets | 85.0630% | 2,660 |
| Equity capital to assets | 10.0762% | 3,747 |
| Core capital (leverage) ratio | 10.2635% | 3,313 |
| Tier 1 risk-based capital ratio | 11.4933% | 4,747 |
| Total risk-based capital ratio | 12.7516% | 4,637 |
| Memoranda: | ||
| Average total assets | $107,395,500 | 3,976 |
| Average earning assets | $99,698,500 | 3,975 |
| Average equity | $11,008,000 | 4,188 |
| Average total loans | $81,328,500 | 3,665 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8335% | 224 |
| Cost of funding earning assets | 1.0700% | 549 |
| Net interest margin | 4.7634% | 428 |
| Noninterest income to average assets | 0.3766% | 3,574 |
| Noninterest expense to average assets | 2.5633% | 3,429 |
| Loan and lease loss provision to assets | 0.2746% | 614 |
| Net operating income to assets | 1.5974% | 873 |
| Return on assets (ROA) | 1.5974% | 863 |
| Pretax return on assets | 2.0044% | 562 |
| Return on Equity (ROE) | 15.2642% | 773 |
| Retained earnings to average equity (ytd only) | 8.1709% | 1,162 |
| Net charge-offs to loans | -0.0300% | 4,810 |
| Credit loss provision to net charge-offs | -1,166.6667% | 4,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9364% | 4,720 |
| Assets per employee ($millions) | 4.1924% | 3,624 |
| Cash dividends to net income (ytd only)* | 46.4702% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5685% | 214 |
| Loan loss allowance to noncurrent loans | 1,384.3137% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 4,101 |
| Noncurrent loans to loans | 0.1855% | 3,912 |
| Net loans and leases to total assets | 76.6549% | 1,498 |
| Net loans and leases to deposits | 89.0127% | 1,924 |
| Net loans and leases to core deposits | 114.0719% | 783 |
| Total domestic deposits to total assets | 86.1168% | 2,172 |
| Equity capital to assets | 10.4847% | 3,209 |
| Core capital (leverage) ratio | 10.4992% | 3,027 |
| Tier 1 risk-based capital ratio | 11.2680% | 4,827 |
| Total risk-based capital ratio | 12.5295% | 4,739 |
| Memoranda: | ||
| Average total assets | $101,977,200 | 4,065 |
| Average earning assets | $95,603,800 | 4,044 |
| Average equity | $10,672,000 | 4,210 |
| Average total loans | $80,130,800 | 3,666 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7642% | 232 |
| Cost of funding earning assets | 1.0103% | 571 |
| Net interest margin | 4.7539% | 413 |
| Noninterest income to average assets | 0.3739% | 3,637 |
| Noninterest expense to average assets | 2.5542% | 3,428 |
| Loan and lease loss provision to assets | 0.1777% | 1,028 |
| Net operating income to assets | 1.7076% | 733 |
| Return on assets (ROA) | 1.7076% | 736 |
| Pretax return on assets | 2.1210% | 460 |
| Return on Equity (ROE) | 16.3252% | 642 |
| Retained earnings to average equity (ytd only) | 11.2905% | 592 |
| Net charge-offs to loans | 0.0352% | 2,385 |
| Credit loss provision to net charge-offs | 642.8571% | 565 |
| Earnings coverage of net charge-offs (x) | 83.1407% | 862 |
| Efficiency ratio | 52.6316% | 4,742 |
| Assets per employee ($millions) | 4.2991% | 3,422 |
| Cash dividends to net income (ytd only)* | 30.8404% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3233% | 297 |
| Loan loss allowance to noncurrent loans | 711.4391% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 3,636 |
| Noncurrent loans to loans | 0.3266% | 3,500 |
| Net loans and leases to total assets | 78.5594% | 1,239 |
| Net loans and leases to deposits | 91.7816% | 1,651 |
| Net loans and leases to core deposits | 119.5463% | 585 |
| Total domestic deposits to total assets | 85.5938% | 2,361 |
| Equity capital to assets | 10.6651% | 2,965 |
| Core capital (leverage) ratio | 10.6435% | 2,942 |
| Tier 1 risk-based capital ratio | 12.5186% | 4,191 |
| Total risk-based capital ratio | 13.7803% | 4,078 |
| Memoranda: | ||
| Average total assets | $101,269,000 | 4,121 |
| Average earning assets | $95,414,750 | 4,089 |
| Average equity | $10,592,750 | 4,260 |
| Average total loans | $79,548,500 | 3,707 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7809% | 207 |
| Cost of funding earning assets | 0.9667% | 544 |
| Net interest margin | 4.8143% | 360 |
| Noninterest income to average assets | 0.3895% | 3,554 |
| Noninterest expense to average assets | 2.5777% | 3,387 |
| Loan and lease loss provision to assets | 0.1789% | 1,007 |
| Net operating income to assets | 1.7529% | 648 |
| Return on assets (ROA) | 1.7529% | 651 |
| Pretax return on assets | 2.1663% | 414 |
| Return on Equity (ROE) | 16.8712% | 541 |
| Retained earnings to average equity (ytd only) | 10.1763% | 877 |
| Net charge-offs to loans | 0.0587% | 1,763 |
| Credit loss provision to net charge-offs | 391.3043% | 835 |
| Earnings coverage of net charge-offs (x) | 51.3043% | 1,110 |
| Efficiency ratio | 52.3617% | 4,852 |
| Assets per employee ($millions) | 4.2557% | 3,487 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3536% | 292 |
| Loan loss allowance to noncurrent loans | 2,001.0638% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 4,554 |
| Noncurrent loans to loans | 0.1176% | 4,379 |
| Net loans and leases to total assets | 76.4060% | 1,574 |
| Net loans and leases to deposits | 89.0022% | 1,980 |
| Net loans and leases to core deposits | 113.4900% | 816 |
| Total domestic deposits to total assets | 85.8473% | 2,344 |
| Equity capital to assets | 10.4410% | 3,174 |
| Core capital (leverage) ratio | 10.5649% | 2,965 |
| Tier 1 risk-based capital ratio | 12.1394% | 4,413 |
| Total risk-based capital ratio | 13.4005% | 4,283 |
| Memoranda: | ||
| Average total assets | $100,632,670 | 4,167 |
| Average earning assets | $94,759,670 | 4,131 |
| Average equity | $10,455,670 | 4,314 |
| Average total loans | $78,403,330 | 3,741 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5664% | 248 |
| Cost of funding earning assets | 0.9511% | 467 |
| Net interest margin | 4.6153% | 486 |
| Noninterest income to average assets | 0.3564% | 3,763 |
| Noninterest expense to average assets | 2.5871% | 3,371 |
| Loan and lease loss provision to assets | 0.1802% | 951 |
| Net operating income to assets | 1.6179% | 822 |
| Return on assets (ROA) | 1.6179% | 824 |
| Pretax return on assets | 1.9423% | 657 |
| Return on Equity (ROE) | 15.6113% | 685 |
| Retained earnings to average equity (ytd only) | 15.6113% | 275 |
| Net charge-offs to loans | 0.0721% | 1,401 |
| Credit loss provision to net charge-offs | 321.4286% | 780 |
| Earnings coverage of net charge-offs (x) | 37.8571% | 1,096 |
| Efficiency ratio | 54.9320% | 4,694 |
| Assets per employee ($millions) | 4.2087% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4246% | 275 |
| Loan loss allowance to noncurrent loans | 2,073.0337% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,650 |
| Noncurrent loans to loans | 0.1170% | 4,443 |
| Net loans and leases to total assets | 73.5090% | 1,945 |
| Net loans and leases to deposits | 84.9902% | 2,290 |
| Net loans and leases to core deposits | 108.8534% | 1,072 |
| Total domestic deposits to total assets | 86.4912% | 2,320 |
| Equity capital to assets | 10.4309% | 3,142 |
| Core capital (leverage) ratio | 10.5312% | 2,909 |
| Tier 1 risk-based capital ratio | 11.7558% | 4,710 |
| Total risk-based capital ratio | 13.0155% | 4,583 |
| Memoranda: | ||
| Average total assets | $99,881,000 | 4,220 |
| Average earning assets | $94,208,500 | 4,188 |
| Average equity | $10,351,500 | 4,374 |
| Average total loans | $77,645,500 | 3,790 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2058% | 442 |
| Cost of funding earning assets | 0.8413% | 497 |
| Net interest margin | 4.3645% | 829 |
| Noninterest income to average assets | 1.4733% | 485 |
| Noninterest expense to average assets | 2.6050% | 3,431 |
| Loan and lease loss provision to assets | 0.2797% | 635 |
| Net operating income to assets | 1.8978% | 342 |
| Return on assets (ROA) | 1.8978% | 351 |
| Pretax return on assets | 2.7238% | 128 |
| Return on Equity (ROE) | 17.6442% | 335 |
| Retained earnings to average equity (ytd only) | -1.2351% | 5,206 |
| Net charge-offs to loans | 0.0497% | 2,797 |
| Credit loss provision to net charge-offs | 717.9487% | 459 |
| Earnings coverage of net charge-offs (x) | 77.1026% | 796 |
| Efficiency ratio | 46.4470% | 5,385 |
| Assets per employee ($millions) | 4.1148% | 3,789 |
| Cash dividends to net income (ytd only)* | 107.0000% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2905% | 314 |
| Loan loss allowance to noncurrent loans | 3,127.5862% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 4,833 |
| Noncurrent loans to loans | 0.0732% | 4,671 |
| Net loans and leases to total assets | 78.3583% | 1,235 |
| Net loans and leases to deposits | 90.5466% | 1,705 |
| Net loans and leases to core deposits | 117.0044% | 688 |
| Total domestic deposits to total assets | 86.5393% | 2,209 |
| Equity capital to assets | 10.2953% | 3,389 |
| Core capital (leverage) ratio | 10.0189% | 3,432 |
| Tier 1 risk-based capital ratio | 9.0767% | 5,631 |
| Total risk-based capital ratio | 10.3310% | 5,621 |
| Memoranda: | ||
| Average total assets | $100,116,200 | 4,234 |
| Average earning assets | $94,856,000 | 4,184 |
| Average equity | $10,768,400 | 4,340 |
| Average total loans | $78,472,000 | 3,780 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 453 |
| Cost of funding earning assets | 0.8072% | 555 |
| Net interest margin | 4.3493% | 822 |
| Noninterest income to average assets | 1.7904% | 367 |
| Noninterest expense to average assets | 2.7208% | 2,994 |
| Loan and lease loss provision to assets | 0.1792% | 1,121 |
| Net operating income to assets | 2.0625% | 281 |
| Return on assets (ROA) | 2.0625% | 287 |
| Pretax return on assets | 3.0168% | 110 |
| Return on Equity (ROE) | 18.9761% | 281 |
| Retained earnings to average equity (ytd only) | 15.2761% | 109 |
| Net charge-offs to loans | 0.1107% | 1,685 |
| Credit loss provision to net charge-offs | 207.6923% | 1,310 |
| Earnings coverage of net charge-offs (x) | 37.0481% | 1,380 |
| Efficiency ratio | 45.9847% | 5,422 |
| Assets per employee ($millions) | 4.2212% | 3,608 |
| Cash dividends to net income (ytd only)* | 19.4981% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1175% | 472 |
| Loan loss allowance to noncurrent loans | 1,888.5057% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 4,815 |
| Noncurrent loans to loans | 0.1121% | 4,608 |
| Net loans and leases to total assets | 74.9674% | 1,766 |
| Net loans and leases to deposits | 88.0026% | 2,062 |
| Net loans and leases to core deposits | 113.9488% | 842 |
| Total domestic deposits to total assets | 85.1877% | 2,641 |
| Equity capital to assets | 11.4019% | 2,464 |
| Core capital (leverage) ratio | 11.5719% | 1,968 |
| Tier 1 risk-based capital ratio | 12.6187% | 4,251 |
| Total risk-based capital ratio | 13.8750% | 4,145 |
| Memoranda: | ||
| Average total assets | $100,456,750 | 4,273 |
| Average earning assets | $95,307,750 | 4,215 |
| Average equity | $10,918,750 | 4,353 |
| Average total loans | $78,291,000 | 3,816 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 511 |
| Cost of funding earning assets | 0.7892% | 553 |
| Net interest margin | 4.2762% | 920 |
| Noninterest income to average assets | 2.4857% | 228 |
| Noninterest expense to average assets | 2.6454% | 3,287 |
| Loan and lease loss provision to assets | 0.1797% | 1,056 |
| Net operating income to assets | 2.4837% | 132 |
| Return on assets (ROA) | 2.4837% | 131 |
| Pretax return on assets | 3.7176% | 80 |
| Return on Equity (ROE) | 23.2350% | 99 |
| Retained earnings to average equity (ytd only) | 18.9765% | 68 |
| Net charge-offs to loans | -0.0076% | 4,447 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4333% | 5,620 |
| Assets per employee ($millions) | 4.2308% | 3,557 |
| Cash dividends to net income (ytd only)* | 18.3280% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1323% | 480 |
| Loan loss allowance to noncurrent loans | 55,500.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,302 |
| Noncurrent loans to loans | 0.0038% | 5,185 |
| Net loans and leases to total assets | 75.2600% | 1,653 |
| Net loans and leases to deposits | 87.8601% | 2,003 |
| Net loans and leases to core deposits | 123.9542% | 439 |
| Total domestic deposits to total assets | 85.6589% | 2,543 |
| Equity capital to assets | 11.1286% | 2,673 |
| Core capital (leverage) ratio | 11.1723% | 2,249 |
| Tier 1 risk-based capital ratio | 20.1775% | 1,332 |
| Total risk-based capital ratio | 21.4489% | 1,302 |
| Memoranda: | ||
| Average total assets | $100,173,000 | 4,303 |
| Average earning assets | $95,036,670 | 4,249 |
| Average equity | $10,708,000 | 4,409 |
| Average total loans | $78,524,330 | 3,822 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 453 |
| Cost of funding earning assets | 0.7737% | 570 |
| Net interest margin | 4.3149% | 756 |
| Noninterest income to average assets | 0.3216% | 4,249 |
| Noninterest expense to average assets | 2.6736% | 3,243 |
| Loan and lease loss provision to assets | 0.1809% | 957 |
| Net operating income to assets | 1.1298% | 1,750 |
| Return on assets (ROA) | 1.1298% | 1,787 |
| Pretax return on assets | 1.5479% | 1,383 |
| Return on Equity (ROE) | 10.7952% | 1,645 |
| Retained earnings to average equity (ytd only) | 9.3738% | 960 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7306% | 4,359 |
| Assets per employee ($millions) | 4.1751% | 3,708 |
| Cash dividends to net income (ytd only)* | 13.1673% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 580 |
| Loan loss allowance to noncurrent loans | 207.1703% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 2,351 |
| Noncurrent loans to loans | 1.0029% | 2,045 |
| Net loans and leases to total assets | 76.1015% | 1,402 |
| Net loans and leases to deposits | 88.0422% | 1,793 |
| Net loans and leases to core deposits | 123.9290% | 362 |
| Total domestic deposits to total assets | 86.4375% | 2,472 |
| Equity capital to assets | 10.5067% | 3,180 |
| Core capital (leverage) ratio | 10.5435% | 2,851 |
| Tier 1 risk-based capital ratio | 31.0304% | 448 |
| Total risk-based capital ratio | 32.3243% | 439 |
| Memoranda: | ||
| Average total assets | $99,489,500 | 4,361 |
| Average earning assets | $94,091,500 | 4,307 |
| Average equity | $10,412,000 | 4,477 |
| Average total loans | $78,744,500 | 3,841 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 419 |
| Cost of funding earning assets | 0.7697% | 579 |
| Net interest margin | 4.4299% | 723 |
| Noninterest income to average assets | 0.3497% | 4,228 |
| Noninterest expense to average assets | 2.6076% | 3,654 |
| Loan and lease loss provision to assets | 0.3076% | 611 |
| Net operating income to assets | 1.1177% | 1,830 |
| Return on assets (ROA) | 1.1177% | 1,917 |
| Pretax return on assets | 1.6304% | 1,190 |
| Return on Equity (ROE) | 11.0799% | 1,552 |
| Retained earnings to average equity (ytd only) | 10.3074% | 370 |
| Net charge-offs to loans | -0.0246% | 5,181 |
| Credit loss provision to net charge-offs | -1,578.9474% | 5,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3652% | 4,919 |
| Assets per employee ($millions) | 4.2946% | 3,443 |
| Cash dividends to net income (ytd only)* | 6.9725% | 4,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 685 |
| 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 | 79.0091% | 1,044 |
| Net loans and leases to deposits | 91.2548% | 1,540 |
| Net loans and leases to core deposits | 129.1210% | 297 |
| Total domestic deposits to total assets | 86.5807% | 2,340 |
| Equity capital to assets | 10.4236% | 3,241 |
| Core capital (leverage) ratio | 10.3598% | 3,043 |
| Tier 1 risk-based capital ratio | 24.7458% | 794 |
| Total risk-based capital ratio | 26.0269% | 777 |
| Memoranda: | ||
| Average total assets | $97,522,400 | 4,393 |
| Average earning assets | $92,372,000 | 4,344 |
| Average equity | $9,837,600 | 4,610 |
| Average total loans | $77,314,400 | 3,867 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 441 |
| Cost of funding earning assets | 0.7677% | 585 |
| Net interest margin | 4.4027% | 773 |
| Noninterest income to average assets | 0.3525% | 4,266 |
| Noninterest expense to average assets | 2.6115% | 3,619 |
| Loan and lease loss provision to assets | 0.2126% | 988 |
| Net operating income to assets | 1.1919% | 1,663 |
| Return on assets (ROA) | 1.1919% | 1,762 |
| Pretax return on assets | 1.7131% | 1,080 |
| Return on Equity (ROE) | 11.9165% | 1,355 |
| Retained earnings to average equity (ytd only) | 11.9165% | 313 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5574% | 4,881 |
| Assets per employee ($millions) | 4.1958% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 1,203 |
| Loan loss allowance to noncurrent loans | 477.6271% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 4,256 |
| Noncurrent loans to loans | 0.3576% | 3,975 |
| Net loans and leases to total assets | 80.5164% | 817 |
| Net loans and leases to deposits | 95.5839% | 1,090 |
| Net loans and leases to core deposits | 151.6052% | 117 |
| Total domestic deposits to total assets | 84.2363% | 3,130 |
| Equity capital to assets | 10.1231% | 4,007 |
| Core capital (leverage) ratio | 10.2743% | 3,250 |
| Tier 1 risk-based capital ratio | 27.5298% | 611 |
| Total risk-based capital ratio | 28.8124% | 593 |
| Memoranda: | ||
| Average total assets | $97,209,000 | 4,436 |
| Average earning assets | $92,395,250 | 4,379 |
| Average equity | $9,723,000 | 4,670 |
| Average total loans | $76,739,250 | 3,908 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1754% | 442 |
| Cost of funding earning assets | 0.7525% | 618 |
| Net interest margin | 4.4229% | 725 |
| Noninterest income to average assets | 0.3415% | 4,336 |
| Noninterest expense to average assets | 2.6696% | 3,490 |
| Loan and lease loss provision to assets | 0.2291% | 888 |
| Net operating income to assets | 1.1286% | 1,861 |
| Return on assets (ROA) | 1.1286% | 1,969 |
| Pretax return on assets | 1.6409% | 1,252 |
| Return on Equity (ROE) | 11.3318% | 1,530 |
| Retained earnings to average equity (ytd only) | 11.3318% | 399 |
| Net charge-offs to loans | -0.0401% | 5,266 |
| Credit loss provision to net charge-offs | -733.3333% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8073% | 4,795 |
| Assets per employee ($millions) | 4.2877% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 1,191 |
| Loan loss allowance to noncurrent loans | 19,700.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 5,604 |
| Noncurrent loans to loans | 0.0088% | 5,469 |
| Net loans and leases to total assets | 78.8685% | 1,086 |
| Net loans and leases to deposits | 90.8016% | 1,651 |
| Net loans and leases to core deposits | 144.1302% | 152 |
| Total domestic deposits to total assets | 86.8581% | 1,982 |
| Equity capital to assets | 10.0156% | 4,209 |
| Core capital (leverage) ratio | 10.0753% | 3,482 |
| Tier 1 risk-based capital ratio | 13.6208% | 3,822 |
| Total risk-based capital ratio | 14.8793% | 3,740 |
| Memoranda: | ||
| Average total assets | $96,045,330 | 4,498 |
| Average earning assets | $91,162,670 | 4,436 |
| Average equity | $9,566,000 | 4,730 |
| Average total loans | $74,822,670 | 3,981 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 581 |
| Cost of funding earning assets | 0.7598% | 605 |
| Net interest margin | 4.2417% | 1,012 |
| Noninterest income to average assets | 0.3546% | 4,194 |
| Noninterest expense to average assets | 2.7269% | 3,318 |
| Loan and lease loss provision to assets | 0.2744% | 608 |
| Net operating income to assets | 0.9751% | 2,395 |
| Return on assets (ROA) | 0.9751% | 2,506 |
| Pretax return on assets | 1.3592% | 2,051 |
| Return on Equity (ROE) | 9.8188% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.8188% | 889 |
| Net charge-offs to loans | 0.1707% | 1,118 |
| Credit loss provision to net charge-offs | 209.6774% | 1,045 |
| Earnings coverage of net charge-offs (x) | 12.4839% | 1,790 |
| Efficiency ratio | 62.5363% | 4,364 |
| Assets per employee ($millions) | 3.9994% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 1,266 |
| Loan loss allowance to noncurrent loans | 83.4197% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.7107% | 1,130 |
| Noncurrent loans to loans | 2.0850% | 1,013 |
| Net loans and leases to total assets | 75.8087% | 1,420 |
| Net loans and leases to deposits | 87.1928% | 1,921 |
| Net loans and leases to core deposits | 126.9275% | 322 |
| Total domestic deposits to total assets | 86.9438% | 2,236 |
| Equity capital to assets | 9.9286% | 4,177 |
| Core capital (leverage) ratio | 9.9677% | 3,579 |
| Tier 1 risk-based capital ratio | 15.2062% | 3,058 |
| Total risk-based capital ratio | 16.4667% | 2,990 |
| Memoranda: | ||
| Average total assets | $94,760,000 | 4,559 |
| Average earning assets | $89,492,500 | 4,512 |
| Average equity | $9,410,500 | 4,776 |
| Average total loans | $72,656,000 | 4,054 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 565 |
| Cost of funding earning assets | 0.7353% | 686 |
| Net interest margin | 4.3190% | 930 |
| Noninterest income to average assets | 1.6109% | 496 |
| Noninterest expense to average assets | 2.6672% | 3,704 |
| Loan and lease loss provision to assets | 0.1972% | 1,097 |
| Net operating income to assets | 1.8736% | 425 |
| Return on assets (ROA) | 1.8706% | 435 |
| Pretax return on assets | 2.7648% | 145 |
| Return on Equity (ROE) | 18.1898% | 365 |
| Retained earnings to average equity (ytd only) | 1.4599% | 4,897 |
| Net charge-offs to loans | -0.0520% | 5,563 |
| Credit loss provision to net charge-offs | -500.0000% | 5,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3449% | 5,864 |
| Assets per employee ($millions) | 3.7414% | 4,393 |
| Cash dividends to net income (ytd only)* | 91.9742% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7598% | 1,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 5,178 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 74.8436% | 1,593 |
| Net loans and leases to deposits | 86.3279% | 2,089 |
| Net loans and leases to core deposits | 127.3629% | 308 |
| Total domestic deposits to total assets | 86.6970% | 2,276 |
| Equity capital to assets | 9.9332% | 4,040 |
| Core capital (leverage) ratio | 9.7270% | 3,872 |
| Tier 1 risk-based capital ratio | 20.4772% | 1,390 |
| Total risk-based capital ratio | 21.7461% | 1,355 |
| Memoranda: | ||
| Average total assets | $91,255,400 | 4,644 |
| Average earning assets | $84,995,800 | 4,610 |
| Average equity | $9,384,400 | 4,773 |
| Average total loans | $69,267,000 | 4,112 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 611 |
| Cost of funding earning assets | 0.7202% | 754 |
| Net interest margin | 4.2878% | 981 |
| Noninterest income to average assets | 0.5807% | 2,850 |
| Noninterest expense to average assets | 2.6435% | 3,741 |
| Loan and lease loss provision to assets | 0.1985% | 1,016 |
| Net operating income to assets | 1.2008% | 1,650 |
| Return on assets (ROA) | 1.1968% | 1,724 |
| Pretax return on assets | 1.7246% | 1,043 |
| Return on Equity (ROE) | 11.5363% | 1,513 |
| Retained earnings to average equity (ytd only) | 7.8373% | 1,310 |
| Net charge-offs to loans | -0.0116% | 5,040 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8135% | 5,142 |
| Assets per employee ($millions) | 3.7724% | 4,319 |
| Cash dividends to net income (ytd only)* | 32.0637% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 1,825 |
| Loan loss allowance to noncurrent loans | 8,428.5714% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 5,271 |
| Noncurrent loans to loans | 0.0189% | 5,564 |
| Net loans and leases to total assets | 77.4926% | 1,181 |
| Net loans and leases to deposits | 89.6659% | 1,692 |
| Net loans and leases to core deposits | 137.9568% | 188 |
| Total domestic deposits to total assets | 86.4236% | 2,318 |
| Equity capital to assets | 10.2925% | 3,823 |
| Core capital (leverage) ratio | 10.4755% | 3,067 |
| Tier 1 risk-based capital ratio | 20.5441% | 1,429 |
| Total risk-based capital ratio | 21.8092% | 1,389 |
| Memoranda: | ||
| Average total assets | $90,685,500 | 4,706 |
| Average earning assets | $84,423,250 | 4,678 |
| Average equity | $9,407,750 | 4,824 |
| Average total loans | $68,769,000 | 4,164 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9359% | 676 |
| Cost of funding earning assets | 0.7213% | 756 |
| Net interest margin | 4.2146% | 1,079 |
| Noninterest income to average assets | 0.5655% | 2,941 |
| Noninterest expense to average assets | 2.6197% | 3,853 |
| Loan and lease loss provision to assets | 0.2012% | 972 |
| Net operating income to assets | 1.1305% | 1,836 |
| Return on assets (ROA) | 1.1243% | 1,949 |
| Pretax return on assets | 1.6406% | 1,219 |
| Return on Equity (ROE) | 10.8079% | 1,747 |
| Retained earnings to average equity (ytd only) | 7.2411% | 1,596 |
| Net charge-offs to loans | 0.0209% | 3,258 |
| Credit loss provision to net charge-offs | 1,285.7143% | 280 |
| Earnings coverage of net charge-offs (x) | 118.2857% | 531 |
| Efficiency ratio | 58.6000% | 5,153 |
| Assets per employee ($millions) | 3.7328% | 4,359 |
| Cash dividends to net income (ytd only)* | 33.0020% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,986 |
| Loan loss allowance to noncurrent loans | 7,480.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 5,380 |
| Noncurrent loans to loans | 0.0211% | 5,676 |
| Net loans and leases to total assets | 75.0962% | 1,491 |
| Net loans and leases to deposits | 86.7035% | 1,977 |
| Net loans and leases to core deposits | 131.9060% | 246 |
| Total domestic deposits to total assets | 86.6126% | 2,364 |
| Equity capital to assets | 10.1619% | 3,849 |
| Core capital (leverage) ratio | 10.4518% | 3,024 |
| Tier 1 risk-based capital ratio | 18.8789% | 1,816 |
| Total risk-based capital ratio | 20.1405% | 1,782 |
| Memoranda: | ||
| Average total assets | $89,477,000 | 4,780 |
| Average earning assets | $82,902,670 | 4,764 |
| Average equity | $9,308,000 | 4,879 |
| Average total loans | $66,937,330 | 4,243 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 654 |
| Cost of funding earning assets | 0.7299% | 733 |
| Net interest margin | 4.2006% | 1,055 |
| Noninterest income to average assets | 0.5574% | 2,910 |
| Noninterest expense to average assets | 2.5903% | 3,974 |
| Loan and lease loss provision to assets | 0.2056% | 883 |
| Net operating income to assets | 1.1920% | 1,574 |
| Return on assets (ROA) | 1.1787% | 1,706 |
| Pretax return on assets | 1.6081% | 1,252 |
| Return on Equity (ROE) | 11.1925% | 1,581 |
| Retained earnings to average equity (ytd only) | 6.8977% | 2,051 |
| Net charge-offs to loans | 0.2901% | 824 |
| Credit loss provision to net charge-offs | 95.7447% | 1,707 |
| Earnings coverage of net charge-offs (x) | 8.5319% | 2,080 |
| Efficiency ratio | 58.5744% | 5,270 |
| Assets per employee ($millions) | 4.0071% | 3,946 |
| Cash dividends to net income (ytd only)* | 38.3721% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 2,046 |
| Loan loss allowance to noncurrent loans | 285.6749% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 3,924 |
| Noncurrent loans to loans | 0.5605% | 3,905 |
| Net loans and leases to total assets | 72.2832% | 1,763 |
| Net loans and leases to deposits | 83.8845% | 2,096 |
| Net loans and leases to core deposits | 120.2325% | 407 |
| Total domestic deposits to total assets | 86.1700% | 2,849 |
| Equity capital to assets | 10.5608% | 3,469 |
| Core capital (leverage) ratio | 10.6292% | 2,820 |
| Tier 1 risk-based capital ratio | 13.3919% | 4,378 |
| Total risk-based capital ratio | 14.6453% | 4,292 |
| Memoranda: | ||
| Average total assets | $87,556,000 | 4,872 |
| Average earning assets | $80,560,000 | 4,852 |
| Average equity | $9,220,500 | 4,936 |
| Average total loans | $64,805,500 | 4,341 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 838 |
| Cost of funding earning assets | 0.7613% | 797 |
| Net interest margin | 4.1988% | 1,304 |
| Noninterest income to average assets | 0.7460% | 2,091 |
| Noninterest expense to average assets | 2.6316% | 4,113 |
| Loan and lease loss provision to assets | 0.3639% | 513 |
| Net operating income to assets | 1.1574% | 1,738 |
| Return on assets (ROA) | 1.1566% | 1,811 |
| Pretax return on assets | 1.6195% | 1,181 |
| Return on Equity (ROE) | 11.4617% | 1,570 |
| Retained earnings to average equity (ytd only) | 5.1730% | 2,483 |
| Net charge-offs to loans | 0.4544% | 925 |
| Credit loss provision to net charge-offs | 107.7441% | 2,218 |
| Earnings coverage of net charge-offs (x) | 5.8754% | 3,334 |
| Efficiency ratio | 57.0091% | 5,567 |
| Assets per employee ($millions) | 3.7807% | 4,382 |
| Cash dividends to net income (ytd only)* | 54.8673% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 2,086 |
| Loan loss allowance to noncurrent loans | 1,404.0541% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 5,229 |
| Noncurrent loans to loans | 0.1141% | 5,436 |
| Net loans and leases to total assets | 73.3854% | 1,692 |
| Net loans and leases to deposits | 85.0364% | 2,094 |
| Net loans and leases to core deposits | 107.6195% | 916 |
| Total domestic deposits to total assets | 86.2988% | 2,673 |
| Equity capital to assets | 10.5007% | 3,478 |
| Core capital (leverage) ratio | 10.4328% | 3,020 |
| Tier 1 risk-based capital ratio | 12.6606% | 4,940 |
| Total risk-based capital ratio | 13.9132% | 4,853 |
| Memoranda: | ||
| Average total assets | $87,930,200 | 4,892 |
| Average earning assets | $81,047,400 | 4,869 |
| Average equity | $8,873,000 | 5,005 |
| Average total loans | $65,360,400 | 4,321 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 953 |
| Cost of funding earning assets | 0.7620% | 839 |
| Net interest margin | 4.1264% | 1,500 |
| Noninterest income to average assets | 0.5368% | 3,280 |
| Noninterest expense to average assets | 2.6251% | 4,111 |
| Loan and lease loss provision to assets | 0.3402% | 529 |
| Net operating income to assets | 1.0146% | 2,387 |
| Return on assets (ROA) | 1.0146% | 2,448 |
| Pretax return on assets | 1.3957% | 2,025 |
| Return on Equity (ROE) | 10.1566% | 2,142 |
| Retained earnings to average equity (ytd only) | 4.9346% | 3,125 |
| Net charge-offs to loans | 0.2993% | 1,323 |
| Credit loss provision to net charge-offs | 153.0612% | 1,555 |
| Earnings coverage of net charge-offs (x) | 7.8093% | 2,891 |
| Efficiency ratio | 60.1942% | 5,149 |
| Assets per employee ($millions) | 3.6466% | 4,578 |
| Cash dividends to net income (ytd only)* | 51.4162% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 2,090 |
| Loan loss allowance to noncurrent loans | 340.8100% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 4,425 |
| Noncurrent loans to loans | 0.4879% | 4,450 |
| Net loans and leases to total assets | 73.9265% | 1,540 |
| Net loans and leases to deposits | 85.6101% | 1,952 |
| Net loans and leases to core deposits | 114.1156% | 584 |
| Total domestic deposits to total assets | 86.3525% | 2,672 |
| Equity capital to assets | 10.2573% | 3,852 |
| Core capital (leverage) ratio | 10.3043% | 3,290 |
| Tier 1 risk-based capital ratio | 12.3712% | 5,251 |
| Total risk-based capital ratio | 13.6242% | 5,178 |
| Memoranda: | ||
| Average total assets | $88,173,750 | 4,939 |
| Average earning assets | $81,715,500 | 4,912 |
| Average equity | $8,808,500 | 5,063 |
| Average total loans | $65,487,500 | 4,352 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 1,014 |
| Cost of funding earning assets | 0.7583% | 891 |
| Net interest margin | 4.0776% | 1,582 |
| Noninterest income to average assets | 0.5430% | 3,187 |
| Noninterest expense to average assets | 2.5885% | 4,278 |
| Loan and lease loss provision to assets | 0.3507% | 512 |
| Net operating income to assets | 1.0227% | 2,236 |
| Return on assets (ROA) | 1.0227% | 2,303 |
| Pretax return on assets | 1.3757% | 1,986 |
| Return on Equity (ROE) | 10.3287% | 1,997 |
| Retained earnings to average equity (ytd only) | 5.3243% | 2,744 |
| Net charge-offs to loans | 0.2906% | 1,377 |
| Credit loss provision to net charge-offs | 163.1579% | 1,380 |
| Earnings coverage of net charge-offs (x) | 8.0316% | 2,544 |
| Efficiency ratio | 59.9895% | 5,298 |
| Assets per employee ($millions) | 3.6489% | 4,549 |
| Cash dividends to net income (ytd only)* | 48.4513% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 2,227 |
| Loan loss allowance to noncurrent loans | 298.0609% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 4,368 |
| Noncurrent loans to loans | 0.5604% | 4,340 |
| Net loans and leases to total assets | 72.3263% | 1,682 |
| Net loans and leases to deposits | 83.5960% | 2,070 |
| Net loans and leases to core deposits | 115.0739% | 498 |
| Total domestic deposits to total assets | 86.5188% | 2,748 |
| Equity capital to assets | 10.1457% | 3,905 |
| Core capital (leverage) ratio | 10.2837% | 3,230 |
| Tier 1 risk-based capital ratio | 12.4668% | 5,246 |
| Total risk-based capital ratio | 13.7202% | 5,168 |
| Memoranda: | ||
| Average total assets | $88,392,330 | 4,964 |
| Average earning assets | $81,764,670 | 4,940 |
| Average equity | $8,752,330 | 5,097 |
| Average total loans | $65,385,670 | 4,381 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 1,121 |
| Cost of funding earning assets | 0.7439% | 994 |
| Net interest margin | 4.0178% | 1,695 |
| Noninterest income to average assets | 0.5495% | 3,050 |
| Noninterest expense to average assets | 2.4639% | 4,745 |
| Loan and lease loss provision to assets | 0.2928% | 668 |
| Net operating income to assets | 1.0991% | 1,819 |
| Return on assets (ROA) | 1.0991% | 1,882 |
| Pretax return on assets | 1.4910% | 1,454 |
| Return on Equity (ROE) | 11.2365% | 1,618 |
| Retained earnings to average equity (ytd only) | 5.0656% | 3,085 |
| Net charge-offs to loans | 0.3218% | 1,102 |
| Credit loss provision to net charge-offs | 122.6415% | 1,438 |
| Earnings coverage of net charge-offs (x) | 7.4717% | 2,117 |
| Efficiency ratio | 58.0064% | 5,644 |
| Assets per employee ($millions) | 3.9501% | 4,044 |
| Cash dividends to net income (ytd only)* | 54.9180% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 3,017 |
| Loan loss allowance to noncurrent loans | 224.9453% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 3,456 |
| Noncurrent loans to loans | 0.6798% | 4,166 |
| Net loans and leases to total assets | 72.8573% | 1,440 |
| Net loans and leases to deposits | 83.6002% | 1,861 |
| Net loans and leases to core deposits | 104.1737% | 849 |
| Total domestic deposits to total assets | 87.1496% | 2,731 |
| Equity capital to assets | 9.6265% | 4,321 |
| Core capital (leverage) ratio | 10.1102% | 3,415 |
| Tier 1 risk-based capital ratio | 11.7912% | 5,768 |
| Total risk-based capital ratio | 13.0430% | 5,699 |
| Memoranda: | ||
| Average total assets | $88,801,500 | 5,001 |
| Average earning assets | $81,736,500 | 4,986 |
| Average equity | $8,686,000 | 5,134 |
| Average total loans | $65,871,000 | 4,393 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 1,094 |
| Cost of funding earning assets | 0.7504% | 1,492 |
| Net interest margin | 4.1508% | 1,497 |
| Noninterest income to average assets | 0.6076% | 3,046 |
| Noninterest expense to average assets | 2.5355% | 4,659 |
| Loan and lease loss provision to assets | 0.3965% | 754 |
| Net operating income to assets | 1.0239% | 2,232 |
| Return on assets (ROA) | 1.0158% | 2,320 |
| Pretax return on assets | 1.4637% | 1,570 |
| Return on Equity (ROE) | 10.4010% | 1,956 |
| Retained earnings to average equity (ytd only) | 6.8544% | 1,499 |
| Net charge-offs to loans | 0.0283% | 4,858 |
| Credit loss provision to net charge-offs | 2,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 94.4118% | 478 |
| Efficiency ratio | 57.5284% | 5,790 |
| Assets per employee ($millions) | 4.1310% | 3,573 |
| Cash dividends to net income (ytd only)* | 34.0987% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 2,860 |
| Loan loss allowance to noncurrent loans | 6,350.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 4,175 |
| Noncurrent loans to loans | 0.0248% | 6,184 |
| Net loans and leases to total assets | 73.2046% | 1,490 |
| Net loans and leases to deposits | 84.2476% | 1,902 |
| Net loans and leases to core deposits | 111.8223% | 546 |
| Total domestic deposits to total assets | 86.8922% | 2,783 |
| Equity capital to assets | 9.9435% | 3,845 |
| Core capital (leverage) ratio | 10.2225% | 3,263 |
| Tier 1 risk-based capital ratio | 12.0289% | 5,598 |
| Total risk-based capital ratio | 13.2805% | 5,534 |
| Memoranda: | ||
| Average total assets | $85,743,000 | 5,091 |
| Average earning assets | $78,491,000 | 5,075 |
| Average equity | $8,374,200 | 5,247 |
| Average total loans | $59,996,800 | 4,610 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 1,229 |
| Cost of funding earning assets | 0.7430% | 1,647 |
| Net interest margin | 4.1104% | 1,603 |
| Noninterest income to average assets | 0.5708% | 3,325 |
| Noninterest expense to average assets | 2.5920% | 4,416 |
| Loan and lease loss provision to assets | 0.3743% | 831 |
| Net operating income to assets | 0.9875% | 2,430 |
| Return on assets (ROA) | 0.9763% | 2,585 |
| Pretax return on assets | 1.3506% | 2,124 |
| Return on Equity (ROE) | 10.0424% | 2,158 |
| Retained earnings to average equity (ytd only) | 6.9302% | 1,914 |
| Net charge-offs to loans | -0.0498% | 6,306 |
| Credit loss provision to net charge-offs | -1,090.9091% | 6,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8272% | 5,465 |
| Assets per employee ($millions) | 3.6504% | 4,556 |
| Cash dividends to net income (ytd only)* | 30.9902% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 3,424 |
| Loan loss allowance to noncurrent loans | 723.4848% | 649 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 3,650 |
| Noncurrent loans to loans | 0.2083% | 5,721 |
| Net loans and leases to total assets | 74.3244% | 1,243 |
| Net loans and leases to deposits | 86.0836% | 1,607 |
| Net loans and leases to core deposits | 102.4176% | 965 |
| Total domestic deposits to total assets | 86.3398% | 3,052 |
| Equity capital to assets | 10.1049% | 3,764 |
| Core capital (leverage) ratio | 10.2165% | 3,376 |
| Tier 1 risk-based capital ratio | 12.0906% | 5,728 |
| Total risk-based capital ratio | 13.3413% | 5,660 |
| Memoranda: | ||
| Average total assets | $85,491,250 | 5,144 |
| Average earning assets | $78,238,500 | 5,127 |
| Average equity | $8,311,250 | 5,313 |
| Average total loans | $58,865,750 | 4,686 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 1,420 |
| Cost of funding earning assets | 0.7489% | 1,717 |
| Net interest margin | 4.0122% | 1,812 |
| Noninterest income to average assets | 0.5442% | 3,548 |
| Noninterest expense to average assets | 2.5418% | 4,586 |
| Loan and lease loss provision to assets | 0.3837% | 831 |
| Net operating income to assets | 0.9633% | 2,495 |
| Return on assets (ROA) | 0.9511% | 2,710 |
| Pretax return on assets | 1.2651% | 2,422 |
| Return on Equity (ROE) | 9.9107% | 2,231 |
| Retained earnings to average equity (ytd only) | 7.2453% | 1,773 |
| Net charge-offs to loans | 0.0070% | 4,749 |
| Credit loss provision to net charge-offs | 8,250.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 358.0000% | 141 |
| Efficiency ratio | 60.4201% | 5,414 |
| Assets per employee ($millions) | 3.9053% | 4,006 |
| Cash dividends to net income (ytd only)* | 26.8949% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 3,831 |
| Loan loss allowance to noncurrent loans | 668.7500% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.9754% | 3,821 |
| Noncurrent loans to loans | 0.2161% | 5,761 |
| Net loans and leases to total assets | 67.9586% | 2,242 |
| Net loans and leases to deposits | 78.3332% | 2,526 |
| Net loans and leases to core deposits | 94.8134% | 1,453 |
| Total domestic deposits to total assets | 86.7558% | 2,973 |
| Equity capital to assets | 9.7885% | 4,193 |
| Core capital (leverage) ratio | 9.9097% | 3,646 |
| Tier 1 risk-based capital ratio | 12.4238% | 5,552 |
| Total risk-based capital ratio | 13.6746% | 5,495 |
| Memoranda: | ||
| Average total assets | $86,002,000 | 5,156 |
| Average earning assets | $78,510,000 | 5,152 |
| Average equity | $8,253,670 | 5,370 |
| Average total loans | $57,368,670 | 4,773 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 1,749 |
| Cost of funding earning assets | 0.7552% | 1,804 |
| Net interest margin | 3.8732% | 2,205 |
| Noninterest income to average assets | 0.5300% | 3,572 |
| Noninterest expense to average assets | 2.5568% | 4,548 |
| Loan and lease loss provision to assets | 0.3951% | 787 |
| Net operating income to assets | 0.8622% | 2,854 |
| Return on assets (ROA) | 0.8368% | 3,111 |
| Pretax return on assets | 1.0739% | 3,053 |
| Return on Equity (ROE) | 8.8068% | 2,572 |
| Retained earnings to average equity (ytd only) | 3.4249% | 4,197 |
| Net charge-offs to loans | 0.0213% | 3,742 |
| Credit loss provision to net charge-offs | 2,833.3333% | 111 |
| Earnings coverage of net charge-offs (x) | 107.6667% | 354 |
| Efficiency ratio | 63.0011% | 5,155 |
| Assets per employee ($millions) | 3.8828% | 4,187 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,497 |
| Loan loss allowance to noncurrent loans | 99.6144% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.9234% | 2,442 |
| Noncurrent loans to loans | 1.3488% | 3,541 |
| Net loans and leases to total assets | 66.6187% | 2,259 |
| Net loans and leases to deposits | 76.6445% | 2,533 |
| Net loans and leases to core deposits | 89.5116% | 1,753 |
| Total domestic deposits to total assets | 86.9191% | 3,006 |
| Equity capital to assets | 9.6076% | 4,700 |
| Core capital (leverage) ratio | 9.6066% | 3,913 |
| Tier 1 risk-based capital ratio | 12.3116% | 5,710 |
| Total risk-based capital ratio | 13.4774% | 5,732 |
| Memoranda: | ||
| Average total assets | $86,044,500 | 5,195 |
| Average earning assets | $78,385,000 | 5,198 |
| Average equity | $8,175,500 | 5,439 |
| Average total loans | $56,431,000 | 4,842 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 1,396 |
| Cost of funding earning assets | 0.9508% | 1,640 |
| Net interest margin | 4.1109% | 1,959 |
| Noninterest income to average assets | 0.5652% | 3,477 |
| Noninterest expense to average assets | 2.4847% | 5,154 |
| Loan and lease loss provision to assets | 0.5299% | 1,093 |
| Net operating income to assets | 0.9728% | 2,448 |
| Return on assets (ROA) | 0.9550% | 2,774 |
| Pretax return on assets | 1.3189% | 2,328 |
| Return on Equity (ROE) | 10.0109% | 2,162 |
| Retained earnings to average equity (ytd only) | 2.0244% | 4,801 |
| Net charge-offs to loans | 0.8729% | 1,311 |
| Credit loss provision to net charge-offs | 92.7835% | 3,355 |
| Earnings coverage of net charge-offs (x) | 3.2804% | 3,788 |
| Efficiency ratio | 57.0116% | 5,954 |
| Assets per employee ($millions) | 3.9394% | 4,060 |
| Cash dividends to net income (ytd only)* | 79.7781% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 4,843 |
| Loan loss allowance to noncurrent loans | 111.2360% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.7977% | 2,715 |
| Noncurrent loans to loans | 1.1290% | 3,957 |
| Net loans and leases to total assets | 62.8694% | 3,084 |
| Net loans and leases to deposits | 72.1147% | 3,394 |
| Net loans and leases to core deposits | 85.8563% | 2,327 |
| Total domestic deposits to total assets | 87.1797% | 2,720 |
| Equity capital to assets | 9.3969% | 5,002 |
| Core capital (leverage) ratio | 9.5171% | 4,079 |
| Tier 1 risk-based capital ratio | 12.6331% | 5,375 |
| Total risk-based capital ratio | 13.7121% | 5,456 |
| Memoranda: | ||
| Average total assets | $84,918,400 | 5,223 |
| Average earning assets | $78,352,400 | 5,176 |
| Average equity | $8,101,200 | 5,471 |
| Average total loans | $55,561,000 | 4,880 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 1,798 |
| Cost of funding earning assets | 0.9794% | 1,684 |
| Net interest margin | 3.9823% | 2,569 |
| Noninterest income to average assets | 0.4214% | 4,470 |
| Noninterest expense to average assets | 2.5504% | 4,915 |
| Loan and lease loss provision to assets | 0.4340% | 1,459 |
| Net operating income to assets | 0.8687% | 3,137 |
| Return on assets (ROA) | 0.8507% | 3,467 |
| Pretax return on assets | 1.1158% | 3,293 |
| Return on Equity (ROE) | 8.8826% | 2,857 |
| Retained earnings to average equity (ytd only) | 0.1319% | 6,034 |
| Net charge-offs to loans | 0.3593% | 2,661 |
| Credit loss provision to net charge-offs | 183.3333% | 1,515 |
| Earnings coverage of net charge-offs (x) | 6.6465% | 2,750 |
| Efficiency ratio | 61.8446% | 5,176 |
| Assets per employee ($millions) | 3.7667% | 4,387 |
| Cash dividends to net income (ytd only)* | 98.5153% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 4,085 |
| Loan loss allowance to noncurrent loans | 47.5209% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 2.5064% | 2,112 |
| Noncurrent loans to loans | 3.0859% | 1,803 |
| Net loans and leases to total assets | 69.1630% | 2,076 |
| Net loans and leases to deposits | 79.7956% | 2,419 |
| Net loans and leases to core deposits | 108.4691% | 633 |
| Total domestic deposits to total assets | 86.6752% | 2,866 |
| Equity capital to assets | 9.6479% | 4,998 |
| Core capital (leverage) ratio | 9.6841% | 3,988 |
| Tier 1 risk-based capital ratio | 12.2045% | 5,833 |
| Total risk-based capital ratio | 13.4546% | 5,802 |
| Memoranda: | ||
| Average total assets | $84,481,250 | 5,285 |
| Average earning assets | $78,546,000 | 5,224 |
| Average equity | $8,090,500 | 5,534 |
| Average total loans | $55,656,250 | 4,930 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 2,310 |
| Cost of funding earning assets | 1.0011% | 1,753 |
| Net interest margin | 3.8473% | 3,146 |
| Noninterest income to average assets | 0.3976% | 4,672 |
| Noninterest expense to average assets | 2.5900% | 4,811 |
| Loan and lease loss provision to assets | 0.3999% | 1,641 |
| Net operating income to assets | 0.7539% | 3,582 |
| Return on assets (ROA) | 0.7340% | 3,956 |
| Pretax return on assets | 0.9527% | 3,878 |
| Return on Equity (ROE) | 7.6825% | 3,406 |
| Retained earnings to average equity (ytd only) | 4.3091% | 3,746 |
| Net charge-offs to loans | 0.0912% | 4,247 |
| Credit loss provision to net charge-offs | 680.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 23.4400% | 1,252 |
| Efficiency ratio | 65.2638% | 4,674 |
| Assets per employee ($millions) | 3.7307% | 4,457 |
| Cash dividends to net income (ytd only)* | 43.9103% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 3,800 |
| Loan loss allowance to noncurrent loans | 49.4898% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 2.4113% | 2,318 |
| Noncurrent loans to loans | 3.1262% | 1,872 |
| Net loans and leases to total assets | 64.7437% | 2,885 |
| Net loans and leases to deposits | 74.4342% | 3,223 |
| Net loans and leases to core deposits | 102.2454% | 966 |
| Total domestic deposits to total assets | 86.9811% | 2,774 |
| Equity capital to assets | 9.5553% | 4,975 |
| Core capital (leverage) ratio | 9.7145% | 3,808 |
| Tier 1 risk-based capital ratio | 12.6196% | 5,480 |
| Total risk-based capital ratio | 13.8713% | 5,459 |
| Memoranda: | ||
| Average total assets | $85,019,000 | 5,303 |
| Average earning assets | $78,912,000 | 5,241 |
| Average equity | $8,122,330 | 5,532 |
| Average total loans | $54,819,330 | 4,996 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 1,985 |
| Cost of funding earning assets | 1.0484% | 1,687 |
| Net interest margin | 3.9238% | 2,828 |
| Noninterest income to average assets | 0.4254% | 4,479 |
| Noninterest expense to average assets | 2.6186% | 4,748 |
| Loan and lease loss provision to assets | 0.3781% | 1,670 |
| Net operating income to assets | 0.9340% | 2,774 |
| Return on assets (ROA) | 0.9217% | 3,029 |
| Pretax return on assets | 1.0588% | 3,474 |
| Return on Equity (ROE) | 9.6487% | 2,538 |
| Retained earnings to average equity (ytd only) | 6.9767% | 2,447 |
| Net charge-offs to loans | 0.2222% | 2,810 |
| Credit loss provision to net charge-offs | 266.6667% | 1,088 |
| Earnings coverage of net charge-offs (x) | 10.2333% | 1,772 |
| Efficiency ratio | 64.3438% | 4,862 |
| Assets per employee ($millions) | 3.6523% | 4,754 |
| Cash dividends to net income (ytd only)* | 27.6923% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 4,208 |
| Loan loss allowance to noncurrent loans | 44.5080% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 2.4440% | 2,418 |
| Noncurrent loans to loans | 3.3488% | 1,895 |
| Net loans and leases to total assets | 61.2121% | 3,409 |
| Net loans and leases to deposits | 70.4895% | 3,655 |
| Net loans and leases to core deposits | 96.5724% | 1,245 |
| Total domestic deposits to total assets | 86.8386% | 3,048 |
| Equity capital to assets | 9.6973% | 4,523 |
| Core capital (leverage) ratio | 9.8080% | 3,632 |
| Tier 1 risk-based capital ratio | 13.3047% | 4,974 |
| Total risk-based capital ratio | 14.5545% | 4,966 |
| Memoranda: | ||
| Average total assets | $84,625,500 | 5,352 |
| Average earning assets | $78,597,000 | 5,280 |
| Average equity | $8,084,000 | 5,564 |
| Average total loans | $54,015,500 | 5,072 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 2,051 |
| Cost of funding earning assets | 1.3465% | 1,259 |
| Net interest margin | 3.8551% | 3,543 |
| Noninterest income to average assets | 0.5321% | 3,636 |
| Noninterest expense to average assets | 2.7438% | 4,584 |
| Loan and lease loss provision to assets | 0.4648% | 2,281 |
| Net operating income to assets | 0.6860% | 3,550 |
| Return on assets (ROA) | 0.6850% | 3,748 |
| Pretax return on assets | 0.9052% | 3,593 |
| Return on Equity (ROE) | 7.1001% | 3,357 |
| Retained earnings to average equity (ytd only) | 4.3108% | 3,112 |
| Net charge-offs to loans | 0.5624% | 2,769 |
| Credit loss provision to net charge-offs | 120.6349% | 2,637 |
| Earnings coverage of net charge-offs (x) | 3.5587% | 3,469 |
| Efficiency ratio | 66.6766% | 4,627 |
| Assets per employee ($millions) | 3.7064% | 4,545 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,882 |
| Loan loss allowance to noncurrent loans | 76.7123% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 3,755 |
| Noncurrent loans to loans | 1.6997% | 3,614 |
| Net loans and leases to total assets | 64.6408% | 3,051 |
| Net loans and leases to deposits | 74.2775% | 3,451 |
| Net loans and leases to core deposits | 100.2821% | 1,152 |
| Total domestic deposits to total assets | 87.0261% | 2,744 |
| Equity capital to assets | 9.4102% | 5,011 |
| Core capital (leverage) ratio | 9.6263% | 3,828 |
| Tier 1 risk-based capital ratio | 12.5857% | 5,382 |
| Total risk-based capital ratio | 13.7382% | 5,443 |
| Memoranda: | ||
| Average total assets | $81,749,000 | 5,413 |
| Average earning assets | $75,976,400 | 5,346 |
| Average equity | $7,887,200 | 5,603 |
| Average total loans | $56,008,200 | 5,026 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 1,885 |
| Cost of funding earning assets | 1.4229% | 1,138 |
| Net interest margin | 3.8714% | 3,516 |
| Noninterest income to average assets | 0.4369% | 4,386 |
| Noninterest expense to average assets | 2.7911% | 4,375 |
| Loan and lease loss provision to assets | 0.4863% | 2,042 |
| Net operating income to assets | 0.5915% | 4,125 |
| Return on assets (ROA) | 0.5902% | 4,313 |
| Pretax return on assets | 0.7551% | 4,296 |
| Return on Equity (ROE) | 6.0778% | 3,990 |
| Retained earnings to average equity (ytd only) | 4.4141% | 3,584 |
| Net charge-offs to loans | 0.5899% | 2,487 |
| Credit loss provision to net charge-offs | 118.9516% | 2,742 |
| Earnings coverage of net charge-offs (x) | 3.0403% | 3,617 |
| Efficiency ratio | 69.1868% | 4,095 |
| Assets per employee ($millions) | 3.5698% | 4,827 |
| Cash dividends to net income (ytd only)* | 27.3737% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 5,329 |
| Loan loss allowance to noncurrent loans | 60.0169% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.8123% | 3,377 |
| Noncurrent loans to loans | 2.0551% | 3,294 |
| Net loans and leases to total assets | 69.2467% | 2,232 |
| Net loans and leases to deposits | 80.0628% | 2,644 |
| Net loans and leases to core deposits | 115.3152% | 519 |
| Total domestic deposits to total assets | 86.4905% | 2,942 |
| Equity capital to assets | 9.6888% | 4,793 |
| Core capital (leverage) ratio | 9.5524% | 4,075 |
| Tier 1 risk-based capital ratio | 12.0329% | 5,870 |
| Total risk-based capital ratio | 13.1185% | 5,970 |
| Memoranda: | ||
| Average total assets | $80,874,250 | 5,481 |
| Average earning assets | $75,148,250 | 5,415 |
| Average equity | $7,853,500 | 5,644 |
| Average total loans | $56,052,000 | 5,077 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3648% | 1,673 |
| Cost of funding earning assets | 1.4636% | 1,152 |
| Net interest margin | 3.9012% | 3,302 |
| Noninterest income to average assets | 0.4225% | 4,491 |
| Noninterest expense to average assets | 2.8609% | 4,186 |
| Loan and lease loss provision to assets | 0.3356% | 2,772 |
| Net operating income to assets | 0.6438% | 3,829 |
| Return on assets (ROA) | 0.6438% | 3,954 |
| Pretax return on assets | 0.8501% | 3,831 |
| Return on Equity (ROE) | 6.6243% | 3,633 |
| Retained earnings to average equity (ytd only) | 5.7547% | 2,566 |
| Net charge-offs to loans | 0.5653% | 2,414 |
| Credit loss provision to net charge-offs | 85.9873% | 3,587 |
| Earnings coverage of net charge-offs (x) | 3.0382% | 3,335 |
| Efficiency ratio | 70.7002% | 3,989 |
| Assets per employee ($millions) | 3.5623% | 4,777 |
| Cash dividends to net income (ytd only)* | 13.1274% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 5,720 |
| Loan loss allowance to noncurrent loans | 80.8323% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 4,930 |
| Noncurrent loans to loans | 1.4343% | 4,263 |
| Net loans and leases to total assets | 66.6996% | 2,891 |
| Net loans and leases to deposits | 77.0833% | 3,280 |
| Net loans and leases to core deposits | 112.1926% | 640 |
| Total domestic deposits to total assets | 86.5292% | 3,022 |
| Equity capital to assets | 9.6738% | 4,573 |
| Core capital (leverage) ratio | 9.5893% | 3,826 |
| Tier 1 risk-based capital ratio | 12.3227% | 5,504 |
| Total risk-based capital ratio | 13.3308% | 5,687 |
| Memoranda: | ||
| Average total assets | $80,464,000 | 5,536 |
| Average earning assets | $74,746,670 | 5,472 |
| Average equity | $7,819,670 | 5,666 |
| Average total loans | $55,547,670 | 5,144 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 1,209 |
| Cost of funding earning assets | 1.5277% | 1,058 |
| Net interest margin | 4.0088% | 2,653 |
| Noninterest income to average assets | 0.3813% | 4,863 |
| Noninterest expense to average assets | 2.8396% | 4,298 |
| Loan and lease loss provision to assets | 0.2759% | 2,947 |
| Net operating income to assets | 0.6773% | 3,624 |
| Return on assets (ROA) | 0.6773% | 3,691 |
| Pretax return on assets | 0.9783% | 3,207 |
| Return on Equity (ROE) | 6.9529% | 3,405 |
| Retained earnings to average equity (ytd only) | 6.9529% | 2,166 |
| Net charge-offs to loans | 0.4526% | 2,339 |
| Credit loss provision to net charge-offs | 87.3016% | 2,986 |
| Earnings coverage of net charge-offs (x) | 3.9683% | 2,593 |
| Efficiency ratio | 69.3627% | 4,406 |
| Assets per employee ($millions) | 3.5236% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,486 |
| Loan loss allowance to noncurrent loans | 95.3421% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 5,207 |
| Noncurrent loans to loans | 1.2893% | 4,546 |
| Net loans and leases to total assets | 64.9408% | 3,254 |
| Net loans and leases to deposits | 74.9512% | 3,600 |
| Net loans and leases to core deposits | 76.5260% | 4,231 |
| Total domestic deposits to total assets | 86.6441% | 3,155 |
| Equity capital to assets | 9.6529% | 4,249 |
| Core capital (leverage) ratio | 9.6158% | 3,640 |
| Tier 1 risk-based capital ratio | 12.7140% | 5,048 |
| Total risk-based capital ratio | 13.7891% | 5,206 |
| Memoranda: | ||
| Average total assets | $79,729,500 | 5,595 |
| Average earning assets | $73,837,000 | 5,544 |
| Average equity | $7,766,500 | 5,688 |
| Average total loans | $55,676,500 | 5,189 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9395% | 964 |
| Cost of funding earning assets | 1.7776% | 1,265 |
| Net interest margin | 4.1619% | 2,319 |
| Noninterest income to average assets | 0.6352% | 3,242 |
| Noninterest expense to average assets | 2.9543% | 4,020 |
| Loan and lease loss provision to assets | 0.6522% | 2,531 |
| Net operating income to assets | 0.6843% | 3,282 |
| Return on assets (ROA) | 0.6874% | 3,401 |
| Pretax return on assets | 0.8804% | 3,375 |
| Return on Equity (ROE) | 7.0965% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.0965% | 1,281 |
| Net charge-offs to loans | 0.8163% | 2,597 |
| Credit loss provision to net charge-offs | 108.4599% | 4,076 |
| Earnings coverage of net charge-offs (x) | 2.5423% | 3,842 |
| Efficiency ratio | 65.9005% | 4,988 |
| Assets per employee ($millions) | 3.4094% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,775 |
| Loan loss allowance to noncurrent loans | 134.7561% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 5,751 |
| Noncurrent loans to loans | 0.8473% | 5,365 |
| Net loans and leases to total assets | 73.2057% | 1,824 |
| Net loans and leases to deposits | 84.8032% | 2,323 |
| Net loans and leases to core deposits | 127.2753% | 366 |
| Total domestic deposits to total assets | 86.3242% | 3,186 |
| Equity capital to assets | 9.8322% | 3,960 |
| Core capital (leverage) ratio | 9.5439% | 3,656 |
| Tier 1 risk-based capital ratio | 11.8786% | 5,592 |
| Total risk-based capital ratio | 12.9134% | 5,765 |
| Memoranda: | ||
| Average total assets | $76,668,000 | 5,690 |
| Average earning assets | $70,881,600 | 5,638 |
| Average equity | $7,426,200 | 5,900 |
| Average total loans | $56,471,600 | 5,212 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9196% | 1,084 |
| Cost of funding earning assets | 1.8131% | 1,369 |
| Net interest margin | 4.1065% | 2,597 |
| Noninterest income to average assets | 0.5055% | 4,138 |
| Noninterest expense to average assets | 2.9681% | 3,861 |
| Loan and lease loss provision to assets | 0.5772% | 2,626 |
| Net operating income to assets | 0.6111% | 3,829 |
| Return on assets (ROA) | 0.6139% | 3,992 |
| Pretax return on assets | 0.7626% | 4,042 |
| Return on Equity (ROE) | 6.3627% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.3627% | 2,169 |
| Net charge-offs to loans | 0.7942% | 2,461 |
| Credit loss provision to net charge-offs | 98.8024% | 4,414 |
| Earnings coverage of net charge-offs (x) | 2.2874% | 4,022 |
| Efficiency ratio | 68.9557% | 4,274 |
| Assets per employee ($millions) | 3.4048% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 6,149 |
| Loan loss allowance to noncurrent loans | 97.0266% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 5,462 |
| Noncurrent loans to loans | 1.0852% | 5,068 |
| Net loans and leases to total assets | 74.4008% | 1,716 |
| Net loans and leases to deposits | 87.4493% | 2,088 |
| Net loans and leases to core deposits | 113.9103% | 838 |
| Total domestic deposits to total assets | 85.0787% | 3,586 |
| Equity capital to assets | 9.6589% | 4,603 |
| Core capital (leverage) ratio | 9.6395% | 3,693 |
| Tier 1 risk-based capital ratio | 11.4976% | 5,938 |
| Total risk-based capital ratio | 12.4565% | 6,182 |
| Memoranda: | ||
| Average total assets | $76,231,000 | 5,761 |
| Average earning assets | $70,520,750 | 5,723 |
| Average equity | $7,355,250 | 5,998 |
| Average total loans | $56,072,500 | 5,304 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8546% | 1,296 |
| Cost of funding earning assets | 1.8215% | 1,557 |
| Net interest margin | 4.0331% | 2,859 |
| Noninterest income to average assets | 0.5031% | 4,095 |
| Noninterest expense to average assets | 2.9866% | 3,754 |
| Loan and lease loss provision to assets | 0.7149% | 2,035 |
| Net operating income to assets | 0.4613% | 4,501 |
| Return on assets (ROA) | 0.4660% | 4,641 |
| Pretax return on assets | 0.5295% | 4,813 |
| Return on Equity (ROE) | 4.8314% | 4,367 |
| Retained earnings to average equity (ytd only) | 4.8314% | 2,995 |
| Net charge-offs to loans | 0.9105% | 2,013 |
| Credit loss provision to net charge-offs | 107.5697% | 3,791 |
| Earnings coverage of net charge-offs (x) | 1.8645% | 4,123 |
| Efficiency ratio | 70.6767% | 4,039 |
| Assets per employee ($millions) | 3.0695% | 5,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 5,732 |
| Loan loss allowance to noncurrent loans | 88.3242% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 5,174 |
| Noncurrent loans to loans | 1.2929% | 4,797 |
| Net loans and leases to total assets | 72.5387% | 2,271 |
| Net loans and leases to deposits | 85.1210% | 2,677 |
| Net loans and leases to core deposits | 108.5132% | 1,262 |
| Total domestic deposits to total assets | 85.2183% | 3,513 |
| Equity capital to assets | 9.6068% | 4,536 |
| Core capital (leverage) ratio | 9.4855% | 3,844 |
| Tier 1 risk-based capital ratio | 11.6218% | 5,654 |
| Total risk-based capital ratio | 12.6513% | 5,843 |
| Memoranda: | ||
| Average total assets | $75,537,670 | 5,818 |
| Average earning assets | $69,722,670 | 5,785 |
| Average equity | $7,285,670 | 6,037 |
| Average total loans | $55,135,330 | 5,375 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7887% | 1,497 |
| Cost of funding earning assets | 1.8213% | 1,794 |
| Net interest margin | 3.9674% | 3,009 |
| Noninterest income to average assets | 0.5017% | 4,036 |
| Noninterest expense to average assets | 2.9464% | 3,871 |
| Loan and lease loss provision to assets | 0.3736% | 3,131 |
| Net operating income to assets | 0.6524% | 3,652 |
| Return on assets (ROA) | 0.6565% | 3,747 |
| Pretax return on assets | 0.8380% | 3,716 |
| Return on Equity (ROE) | 6.7932% | 3,451 |
| Retained earnings to average equity (ytd only) | 6.7932% | 2,219 |
| Net charge-offs to loans | 1.2026% | 1,415 |
| Credit loss provision to net charge-offs | 42.6829% | 4,596 |
| Earnings coverage of net charge-offs (x) | 1.3780% | 3,919 |
| Efficiency ratio | 70.9512% | 4,128 |
| Assets per employee ($millions) | 3.0148% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 6,549 |
| Loan loss allowance to noncurrent loans | 51.7578% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 3,971 |
| Noncurrent loans to loans | 1.8979% | 3,924 |
| Net loans and leases to total assets | 70.8846% | 2,724 |
| Net loans and leases to deposits | 83.3138% | 3,060 |
| Net loans and leases to core deposits | 106.5240% | 1,534 |
| Total domestic deposits to total assets | 85.0814% | 3,631 |
| Equity capital to assets | 9.6976% | 4,232 |
| Core capital (leverage) ratio | 9.7075% | 3,512 |
| Tier 1 risk-based capital ratio | 11.8770% | 5,318 |
| Total risk-based capital ratio | 12.7505% | 5,653 |
| Memoranda: | ||
| Average total assets | $74,938,000 | 5,908 |
| Average earning assets | $68,961,500 | 5,878 |
| Average equity | $7,242,500 | 6,100 |
| Average total loans | $54,549,500 | 5,472 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0668% | 1,613 |
| Cost of funding earning assets | 2.0743% | 2,602 |
| Net interest margin | 3.9925% | 2,894 |
| Noninterest income to average assets | 0.6775% | 3,102 |
| Noninterest expense to average assets | 2.8750% | 4,632 |
| Loan and lease loss provision to assets | 1.3523% | 1,703 |
| Net operating income to assets | 0.2076% | 4,877 |
| Return on assets (ROA) | 0.2076% | 4,941 |
| Pretax return on assets | 0.1291% | 5,160 |
| Return on Equity (ROE) | 2.1837% | 4,837 |
| Retained earnings to average equity (ytd only) | 0.1820% | 4,802 |
| Net charge-offs to loans | 1.6628% | 1,523 |
| Credit loss provision to net charge-offs | 110.4348% | 4,984 |
| Earnings coverage of net charge-offs (x) | 1.2098% | 4,916 |
| Efficiency ratio | 65.9945% | 5,392 |
| Assets per employee ($millions) | 2.9803% | 6,271 |
| Cash dividends to net income (ytd only)* | 91.6667% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 5,741 |
| Loan loss allowance to noncurrent loans | 46.1880% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 2.1260% | 3,238 |
| Noncurrent loans to loans | 2.4499% | 3,100 |
| Net loans and leases to total assets | 73.1743% | 2,461 |
| Net loans and leases to deposits | 85.9395% | 2,920 |
| Net loans and leases to core deposits | 118.4419% | 2,085 |
| Total domestic deposits to total assets | 85.1464% | 3,488 |
| Equity capital to assets | 9.6313% | 4,237 |
| Core capital (leverage) ratio | 9.4681% | 3,757 |
| Tier 1 risk-based capital ratio | 11.4690% | 5,424 |
| Total risk-based capital ratio | 12.4794% | 5,636 |
| Memoranda: | ||
| Average total assets | $75,129,800 | 5,866 |
| Average earning assets | $69,229,400 | 5,833 |
| Average equity | $7,143,800 | 6,221 |
| Average total loans | $55,329,200 | 5,444 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1104% | 1,615 |
| Cost of funding earning assets | 2.1014% | 2,887 |
| Net interest margin | 4.0091% | 2,772 |
| Noninterest income to average assets | 0.5844% | 3,818 |
| Noninterest expense to average assets | 3.0089% | 4,012 |
| Loan and lease loss provision to assets | 1.1689% | 1,663 |
| Net operating income to assets | 0.1806% | 5,219 |
| Return on assets (ROA) | 0.1860% | 5,276 |
| Pretax return on assets | 0.1151% | 5,495 |
| Return on Equity (ROE) | 1.9620% | 5,173 |
| Retained earnings to average equity (ytd only) | -0.7101% | 5,408 |
| Net charge-offs to loans | 1.5097% | 1,351 |
| Credit loss provision to net charge-offs | 105.2632% | 4,826 |
| Earnings coverage of net charge-offs (x) | 1.1515% | 4,915 |
| Efficiency ratio | 70.1776% | 4,556 |
| Assets per employee ($millions) | 2.8677% | 6,489 |
| Cash dividends to net income (ytd only)* | 136.1857% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 6,368 |
| Loan loss allowance to noncurrent loans | 45.1691% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.0104% | 3,330 |
| Noncurrent loans to loans | 2.1872% | 3,392 |
| Net loans and leases to total assets | 75.4054% | 2,128 |
| Net loans and leases to deposits | 89.2117% | 2,739 |
| Net loans and leases to core deposits | 125.6745% | 1,765 |
| Total domestic deposits to total assets | 84.5241% | 3,466 |
| Equity capital to assets | 9.5626% | 4,660 |
| Core capital (leverage) ratio | 9.4474% | 3,979 |
| Tier 1 risk-based capital ratio | 11.2489% | 5,694 |
| Total risk-based capital ratio | 12.1463% | 6,015 |
| Memoranda: | ||
| Average total assets | $75,285,500 | 5,898 |
| Average earning assets | $69,540,750 | 5,860 |
| Average equity | $7,135,750 | 6,280 |
| Average total loans | $55,375,500 | 5,487 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0481% | 1,989 |
| Cost of funding earning assets | 2.1224% | 3,177 |
| Net interest margin | 3.9256% | 2,996 |
| Noninterest income to average assets | 0.6091% | 3,615 |
| Noninterest expense to average assets | 3.0400% | 3,920 |
| Loan and lease loss provision to assets | 1.2181% | 1,413 |
| Net operating income to assets | 0.0797% | 5,622 |
| Return on assets (ROA) | 0.0847% | 5,704 |
| Pretax return on assets | -0.0265% | 5,899 |
| Return on Equity (ROE) | 0.8967% | 5,662 |
| Retained earnings to average equity (ytd only) | -1.5411% | 5,630 |
| Net charge-offs to loans | 1.2494% | 1,478 |
| Credit loss provision to net charge-offs | 134.1108% | 3,477 |
| Earnings coverage of net charge-offs (x) | 1.3032% | 4,548 |
| Efficiency ratio | 71.9749% | 4,415 |
| Assets per employee ($millions) | 3.1270% | 5,788 |
| Cash dividends to net income (ytd only)* | 271.8750% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 5,437 |
| Loan loss allowance to noncurrent loans | 36.7103% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 2.3758% | 2,730 |
| Noncurrent loans to loans | 3.0603% | 2,346 |
| Net loans and leases to total assets | 75.6433% | 2,277 |
| Net loans and leases to deposits | 89.3942% | 2,920 |
| Net loans and leases to core deposits | 126.9552% | 1,787 |
| Total domestic deposits to total assets | 84.6176% | 3,436 |
| Equity capital to assets | 9.4674% | 4,651 |
| Core capital (leverage) ratio | 9.5303% | 3,841 |
| Tier 1 risk-based capital ratio | 11.1780% | 5,695 |
| Total risk-based capital ratio | 12.2058% | 5,861 |
| Memoranda: | ||
| Average total assets | $75,527,000 | 5,930 |
| Average earning assets | $69,542,670 | 5,901 |
| Average equity | $7,137,670 | 6,326 |
| Average total loans | $54,906,000 | 5,560 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1869% | 1,642 |
| Cost of funding earning assets | 2.1968% | 3,180 |
| Net interest margin | 3.9901% | 2,688 |
| Noninterest income to average assets | 0.5649% | 3,794 |
| Noninterest expense to average assets | 2.7083% | 4,961 |
| Loan and lease loss provision to assets | 1.4254% | 892 |
| Net operating income to assets | 0.1478% | 5,827 |
| Return on assets (ROA) | 0.1637% | 5,944 |
| Pretax return on assets | 0.1003% | 6,167 |
| Return on Equity (ROE) | 1.7333% | 5,866 |
| Retained earnings to average equity (ytd only) | -1.0623% | 5,901 |
| Net charge-offs to loans | 1.0065% | 1,336 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 2.1185% | 3,666 |
| Efficiency ratio | 64.2053% | 5,650 |
| Assets per employee ($millions) | 3.0807% | 5,942 |
| Cash dividends to net income (ytd only)* | 161.2903% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 4,418 |
| Loan loss allowance to noncurrent loans | 29.9593% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 2.9931% | 1,886 |
| Noncurrent loans to loans | 4.1770% | 1,422 |
| Net loans and leases to total assets | 70.7598% | 3,524 |
| Net loans and leases to deposits | 83.2556% | 4,098 |
| Net loans and leases to core deposits | 110.9139% | 3,321 |
| Total domestic deposits to total assets | 84.9911% | 3,212 |
| Equity capital to assets | 9.6597% | 4,440 |
| Core capital (leverage) ratio | 9.3266% | 4,204 |
| Tier 1 risk-based capital ratio | 11.9976% | 4,968 |
| Total risk-based capital ratio | 13.1257% | 4,965 |
| Memoranda: | ||
| Average total assets | $75,767,000 | 5,954 |
| Average earning assets | $69,372,500 | 5,931 |
| Average equity | $7,154,000 | 6,350 |
| Average total loans | $53,652,500 | 5,649 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8124% | 1,637 |
| Cost of funding earning assets | 2.9562% | 2,038 |
| Net interest margin | 3.8563% | 3,768 |
| Noninterest income to average assets | 0.8830% | 2,042 |
| Noninterest expense to average assets | 2.8284% | 4,703 |
| Loan and lease loss provision to assets | 1.0525% | 1,388 |
| Net operating income to assets | 0.4309% | 5,028 |
| Return on assets (ROA) | 0.4309% | 4,847 |
| Pretax return on assets | 0.4945% | 4,987 |
| Return on Equity (ROE) | 4.9737% | 4,405 |
| Retained earnings to average equity (ytd only) | 2.2015% | 3,846 |
| Net charge-offs to loans | 1.4227% | 825 |
| Credit loss provision to net charge-offs | 101.3605% | 5,243 |
| Earnings coverage of net charge-offs (x) | 1.4898% | 5,356 |
| Efficiency ratio | 64.6432% | 5,410 |
| Assets per employee ($millions) | 3.2333% | 5,386 |
| Cash dividends to net income (ytd only)* | 55.7377% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 6,257 |
| Loan loss allowance to noncurrent loans | 19.6795% | 7,254 |
| Noncurrent assets plus other real estate owned to assets | 3.4576% | 1,289 |
| Noncurrent loans to loans | 4.9388% | 905 |
| Net loans and leases to total assets | 69.3278% | 4,187 |
| Net loans and leases to deposits | 80.9306% | 4,886 |
| Net loans and leases to core deposits | 107.2850% | 4,050 |
| Total domestic deposits to total assets | 85.6633% | 2,556 |
| Equity capital to assets | 9.2348% | 5,025 |
| Core capital (leverage) ratio | 9.3671% | 4,209 |
| Tier 1 risk-based capital ratio | 11.4398% | 5,298 |
| Total risk-based capital ratio | 12.2941% | 5,576 |
| Memoranda: | ||
| Average total assets | $70,783,000 | 6,008 |
| Average earning assets | $64,103,400 | 6,015 |
| Average equity | $6,132,200 | 6,759 |
| Average total loans | $51,661,800 | 5,636 |