Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 3,424 |
| Cost of funding earning assets | 1.1103% | 3,038 |
| Net interest margin | 3.2010% | 2,873 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.2056% | 3,113 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 1.5735% | 903 |
| Return on assets (ROA) | 1.5591% | 888 |
| Pretax return on assets | 1.5634% | 1,304 |
| Return on Equity (ROE) | 20.6000% | 564 |
| Retained earnings to average equity (ytd only) | 7.1412% | 1,855 |
| Net charge-offs to loans | -0.0043% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.8575% | 3,204 |
| Assets per employee ($millions) | 6.1233% | 2,715 |
| Cash dividends to net income (ytd only)* | 65.3259% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 1,609 |
| Loan loss allowance to noncurrent loans | 1,579.2683% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,193 |
| Noncurrent loans to loans | 0.0849% | 3,120 |
| Net loans and leases to total assets | 67.6700% | 2,078 |
| Net loans and leases to deposits | 76.8376% | 2,369 |
| Net loans and leases to core deposits | 85.4269% | 2,344 |
| Total domestic deposits to total assets | 88.0700% | 1,331 |
| Equity capital to assets | 8.1207% | 3,341 |
| Core capital (leverage) ratio | 10.7216% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2721% | 1,452 |
| Memoranda: | ||
| Average total assets | $138,735,000 | 3,472 |
| Average earning assets | $133,833,600 | 3,406 |
| Average equity | $10,502,400 | 3,665 |
| Average total loans | $92,731,600 | 3,255 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 3,436 |
| Cost of funding earning assets | 1.0016% | 3,035 |
| Net interest margin | 3.2168% | 2,877 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.1214% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6188% | 910 |
| Return on assets (ROA) | 1.6004% | 934 |
| Pretax return on assets | 1.6043% | 1,346 |
| Return on Equity (ROE) | 21.5400% | 595 |
| Retained earnings to average equity (ytd only) | 7.3620% | 2,181 |
| Net charge-offs to loans | -0.0029% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.6607% | 3,343 |
| Assets per employee ($millions) | 5.7181% | 2,998 |
| Cash dividends to net income (ytd only)* | 65.8228% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 1,320 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,208 |
| Noncurrent loans to loans | 0.0895% | 3,138 |
| Net loans and leases to total assets | 67.3800% | 2,123 |
| Net loans and leases to deposits | 75.7529% | 2,435 |
| Net loans and leases to core deposits | 83.9502% | 2,327 |
| Total domestic deposits to total assets | 88.9500% | 1,275 |
| Equity capital to assets | 7.3596% | 3,438 |
| Core capital (leverage) ratio | 10.7465% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9388% | 1,338 |
| Memoranda: | ||
| Average total assets | $138,209,500 | 3,484 |
| Average earning assets | $133,378,000 | 3,416 |
| Average equity | $10,268,750 | 3,692 |
| Average total loans | $91,764,750 | 3,268 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 3,445 |
| Cost of funding earning assets | 0.8722% | 3,024 |
| Net interest margin | 3.2510% | 2,864 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.0977% | 3,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6920% | 796 |
| Return on assets (ROA) | 1.6631% | 848 |
| Pretax return on assets | 1.6675% | 1,282 |
| Return on Equity (ROE) | 22.3100% | 524 |
| Retained earnings to average equity (ytd only) | 7.9031% | 1,991 |
| Net charge-offs to loans | -0.0022% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.2892% | 3,499 |
| Assets per employee ($millions) | 6.1821% | 2,561 |
| Cash dividends to net income (ytd only)* | 64.5833% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 1,242 |
| Loan loss allowance to noncurrent loans | 1,580.0000% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,138 |
| Noncurrent loans to loans | 0.0936% | 3,035 |
| Net loans and leases to total assets | 65.7900% | 2,177 |
| Net loans and leases to deposits | 74.3384% | 2,457 |
| Net loans and leases to core deposits | 80.9696% | 2,411 |
| Total domestic deposits to total assets | 88.5000% | 1,427 |
| Equity capital to assets | 7.6386% | 3,446 |
| Core capital (leverage) ratio | 10.5785% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2368% | 2,204 |
| Memoranda: | ||
| Average total assets | $138,534,333 | 3,491 |
| Average earning assets | $133,681,333 | 3,428 |
| Average equity | $10,325,000 | 3,702 |
| Average total loans | $91,082,667 | 3,284 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 3,303 |
| Cost of funding earning assets | 0.6753% | 3,138 |
| Net interest margin | 3.4002% | 2,636 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.1288% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7768% | 705 |
| Return on assets (ROA) | 1.7768% | 698 |
| Pretax return on assets | 1.7797% | 1,109 |
| Return on Equity (ROE) | 24.1300% | 449 |
| Retained earnings to average equity (ytd only) | 9.5599% | 1,807 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.4656% | 3,556 |
| Assets per employee ($millions) | 5.9510% | 2,806 |
| Cash dividends to net income (ytd only)* | 60.3865% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 1,421 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.4700% | 2,012 |
| Net loans and leases to deposits | 75.3462% | 2,174 |
| Net loans and leases to core deposits | 82.1483% | 2,109 |
| Total domestic deposits to total assets | 88.2200% | 1,847 |
| Equity capital to assets | 7.6699% | 3,464 |
| Core capital (leverage) ratio | 10.0870% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5870% | 1,471 |
| Memoranda: | ||
| Average total assets | $139,798,500 | 3,521 |
| Average earning assets | $135,052,000 | 3,461 |
| Average equity | $10,293,000 | 3,750 |
| Average total loans | $91,216,000 | 3,315 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 2,924 |
| Cost of funding earning assets | 0.2342% | 3,470 |
| Net interest margin | 3.3213% | 2,510 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.0525% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8139% | 427 |
| Return on assets (ROA) | 1.8139% | 410 |
| Pretax return on assets | 1.8175% | 709 |
| Return on Equity (ROE) | 23.2300% | 269 |
| Retained earnings to average equity (ytd only) | 7.8625% | 1,892 |
| Net charge-offs to loans | -0.0035% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.0359% | 3,880 |
| Assets per employee ($millions) | 6.7964% | 2,121 |
| Cash dividends to net income (ytd only)* | 66.1532% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,232 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.2000% | 2,411 |
| Net loans and leases to deposits | 69.1732% | 2,654 |
| Net loans and leases to core deposits | 72.3052% | 2,700 |
| Total domestic deposits to total assets | 89.9200% | 1,399 |
| Equity capital to assets | 7.0681% | 3,631 |
| Core capital (leverage) ratio | 10.2614% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1710% | 1,578 |
| Memoranda: | ||
| Average total assets | $139,588,400 | 3,537 |
| Average earning assets | $134,946,800 | 3,471 |
| Average equity | $10,899,800 | 3,768 |
| Average total loans | $85,936,400 | 3,335 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 2,530 |
| Cost of funding earning assets | 0.1797% | 3,521 |
| Net interest margin | 3.3455% | 2,156 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.0489% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8808% | 358 |
| Return on assets (ROA) | 1.8808% | 352 |
| Pretax return on assets | 1.8837% | 606 |
| Return on Equity (ROE) | 23.5100% | 234 |
| Retained earnings to average equity (ytd only) | 8.8624% | 1,697 |
| Net charge-offs to loans | -0.0047% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.1006% | 3,998 |
| Assets per employee ($millions) | 6.0353% | 2,731 |
| Cash dividends to net income (ytd only)* | 62.3085% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 1,221 |
| Loan loss allowance to noncurrent loans | 134,200.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,038 |
| Noncurrent loans to loans | 0.0011% | 3,976 |
| Net loans and leases to total assets | 62.1900% | 2,264 |
| Net loans and leases to deposits | 68.9905% | 2,454 |
| Net loans and leases to core deposits | 71.3626% | 2,540 |
| Total domestic deposits to total assets | 90.1400% | 1,600 |
| Equity capital to assets | 6.8790% | 3,575 |
| Core capital (leverage) ratio | 9.8002% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1454% | 1,997 |
| Memoranda: | ||
| Average total assets | $138,804,250 | 3,567 |
| Average earning assets | $134,267,500 | 3,500 |
| Average equity | $11,102,750 | 3,797 |
| Average total loans | $84,892,000 | 3,358 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4349% | 2,337 |
| Cost of funding earning assets | 0.1284% | 3,861 |
| Net interest margin | 3.3066% | 1,889 |
| Noninterest income to average assets | 0.7176% | 1,267 |
| Noninterest expense to average assets | 2.0461% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8588% | 296 |
| Return on assets (ROA) | 1.8588% | 290 |
| Pretax return on assets | 1.8631% | 506 |
| Return on Equity (ROE) | 22.2018% | 190 |
| Retained earnings to average equity (ytd only) | 8.0202% | 1,607 |
| Net charge-offs to loans | -0.0048% | 3,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3406% | 4,099 |
| Assets per employee ($millions) | 6.8292% | 2,049 |
| Cash dividends to net income (ytd only)* | 63.8760% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,314 |
| Loan loss allowance to noncurrent loans | 1,836.9863% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 3,451 |
| Noncurrent loans to loans | 0.0836% | 3,363 |
| Net loans and leases to total assets | 62.9632% | 2,018 |
| Net loans and leases to deposits | 70.6573% | 2,142 |
| Net loans and leases to core deposits | 72.0207% | 2,333 |
| Total domestic deposits to total assets | 89.1107% | 2,130 |
| Equity capital to assets | 7.1927% | 3,669 |
| Core capital (leverage) ratio | 10.1038% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1148% | 2,010 |
| Memoranda: | ||
| Average total assets | $138,801,333 | 3,609 |
| Average earning assets | $133,976,333 | 3,555 |
| Average equity | $11,620,667 | 3,824 |
| Average total loans | $83,967,667 | 3,402 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2972% | 2,396 |
| Cost of funding earning assets | 0.1127% | 3,975 |
| Net interest margin | 3.1845% | 1,932 |
| Noninterest income to average assets | 0.8148% | 1,007 |
| Noninterest expense to average assets | 1.9927% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8869% | 279 |
| Return on assets (ROA) | 1.8869% | 279 |
| Pretax return on assets | 1.8926% | 456 |
| Return on Equity (ROE) | 21.0879% | 195 |
| Retained earnings to average equity (ytd only) | 7.9879% | 1,590 |
| Net charge-offs to loans | -0.0049% | 3,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2877% | 4,236 |
| Assets per employee ($millions) | 6.8425% | 2,108 |
| Cash dividends to net income (ytd only)* | 62.1212% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 1,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 61.5445% | 1,910 |
| Net loans and leases to deposits | 69.1861% | 2,039 |
| Net loans and leases to core deposits | 70.6314% | 2,239 |
| Total domestic deposits to total assets | 88.9550% | 2,106 |
| Equity capital to assets | 8.4758% | 3,183 |
| Core capital (leverage) ratio | 9.5282% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1213% | 2,148 |
| Memoranda: | ||
| Average total assets | $139,910,500 | 3,617 |
| Average earning assets | $134,904,000 | 3,569 |
| Average equity | $12,519,000 | 3,810 |
| Average total loans | $82,282,500 | 3,431 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 2,065 |
| Cost of funding earning assets | 0.1683% | 3,791 |
| Net interest margin | 3.5473% | 1,609 |
| Noninterest income to average assets | 1.0849% | 876 |
| Noninterest expense to average assets | 2.2040% | 3,072 |
| Loan and lease loss provision to assets | 0.0818% | 1,499 |
| Net operating income to assets | 2.2308% | 231 |
| Return on assets (ROA) | 2.2308% | 241 |
| Pretax return on assets | 2.2345% | 385 |
| Return on Equity (ROE) | 22.5119% | 201 |
| Retained earnings to average equity (ytd only) | 8.4551% | 1,363 |
| Net charge-offs to loans | -0.0192% | 3,960 |
| Credit loss provision to net charge-offs | -733.3333% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7572% | 4,364 |
| Assets per employee ($millions) | 7.1486% | 1,833 |
| Cash dividends to net income (ytd only)* | 62.4416% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 1,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.3204% | 2,812 |
| Net loans and leases to deposits | 61.7505% | 2,902 |
| Net loans and leases to core deposits | 62.8433% | 3,089 |
| Total domestic deposits to total assets | 87.9676% | 2,062 |
| Equity capital to assets | 9.3997% | 3,223 |
| Core capital (leverage) ratio | 9.5502% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3959% | 2,082 |
| Memoranda: | ||
| Average total assets | $134,393,000 | 3,638 |
| Average earning assets | $130,154,800 | 3,572 |
| Average equity | $13,317,400 | 3,802 |
| Average total loans | $77,986,200 | 3,513 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 1,971 |
| Cost of funding earning assets | 0.1838% | 3,774 |
| Net interest margin | 3.6372% | 1,501 |
| Noninterest income to average assets | 1.1917% | 800 |
| Noninterest expense to average assets | 2.2482% | 2,901 |
| Loan and lease loss provision to assets | 0.0809% | 1,468 |
| Net operating income to assets | 2.3894% | 245 |
| Return on assets (ROA) | 2.3894% | 255 |
| Pretax return on assets | 2.3934% | 396 |
| Return on Equity (ROE) | 23.7821% | 216 |
| Retained earnings to average equity (ytd only) | 9.7537% | 1,393 |
| Net charge-offs to loans | -0.0240% | 4,045 |
| Credit loss provision to net charge-offs | -571.4286% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6089% | 4,397 |
| Assets per employee ($millions) | 6.4282% | 2,312 |
| Cash dividends to net income (ytd only)* | 58.9873% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 1,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 55.5811% | 2,777 |
| Net loans and leases to deposits | 63.8092% | 2,872 |
| Net loans and leases to core deposits | 65.3719% | 3,009 |
| Total domestic deposits to total assets | 87.1052% | 2,314 |
| Equity capital to assets | 10.1339% | 2,777 |
| Core capital (leverage) ratio | 9.7527% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6121% | 2,826 |
| Memoranda: | ||
| Average total assets | $132,248,250 | 3,694 |
| Average earning assets | $128,373,750 | 3,629 |
| Average equity | $13,287,000 | 3,858 |
| Average total loans | $77,732,250 | 3,564 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7978% | 2,076 |
| Cost of funding earning assets | 0.2071% | 3,680 |
| Net interest margin | 3.5907% | 1,610 |
| Noninterest income to average assets | 1.3005% | 688 |
| Noninterest expense to average assets | 2.2538% | 2,906 |
| Loan and lease loss provision to assets | 0.0761% | 1,565 |
| Net operating income to assets | 2.4533% | 235 |
| Return on assets (ROA) | 2.4533% | 250 |
| Pretax return on assets | 2.4563% | 379 |
| Return on Equity (ROE) | 24.4907% | 213 |
| Retained earnings to average equity (ytd only) | 12.6634% | 778 |
| Net charge-offs to loans | -0.0307% | 4,164 |
| Credit loss provision to net charge-offs | -416.6667% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0888% | 4,458 |
| Assets per employee ($millions) | 5.9406% | 2,676 |
| Cash dividends to net income (ytd only)* | 48.2930% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 1,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.5046% | 2,602 |
| Net loans and leases to deposits | 67.5812% | 2,659 |
| Net loans and leases to core deposits | 69.8628% | 2,799 |
| Total domestic deposits to total assets | 86.5694% | 2,520 |
| Equity capital to assets | 10.3517% | 2,536 |
| Core capital (leverage) ratio | 9.7471% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8717% | 2,414 |
| Memoranda: | ||
| Average total assets | $131,333,667 | 3,713 |
| Average earning assets | $127,495,667 | 3,653 |
| Average equity | $13,156,000 | 3,877 |
| Average total loans | $78,197,000 | 3,577 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2353% | 3,620 |
| Cost of funding earning assets | 0.2244% | 3,684 |
| Net interest margin | 3.0109% | 3,231 |
| Noninterest income to average assets | 1.3976% | 681 |
| Noninterest expense to average assets | 2.2787% | 2,854 |
| Loan and lease loss provision to assets | 0.0608% | 1,905 |
| Net operating income to assets | 1.9901% | 576 |
| Return on assets (ROA) | 1.9901% | 621 |
| Pretax return on assets | 1.9931% | 954 |
| Return on Equity (ROE) | 20.2012% | 516 |
| Retained earnings to average equity (ytd only) | 9.7768% | 1,723 |
| Net charge-offs to loans | -0.0969% | 4,629 |
| Credit loss provision to net charge-offs | -105.2632% | 2,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5947% | 3,947 |
| Assets per employee ($millions) | 6.2688% | 2,353 |
| Cash dividends to net income (ytd only)* | 51.6031% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 1,411 |
| Loan loss allowance to noncurrent loans | 6,265.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,250 |
| Noncurrent loans to loans | 0.0248% | 4,166 |
| Net loans and leases to total assets | 60.3312% | 2,499 |
| Net loans and leases to deposits | 69.7868% | 2,530 |
| Net loans and leases to core deposits | 72.9535% | 2,617 |
| Total domestic deposits to total assets | 86.4507% | 2,550 |
| Equity capital to assets | 9.8272% | 2,869 |
| Core capital (leverage) ratio | 9.3002% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7757% | 2,743 |
| Memoranda: | ||
| Average total assets | $131,653,500 | 3,720 |
| Average earning assets | $128,333,500 | 3,647 |
| Average equity | $12,969,500 | 3,906 |
| Average total loans | $78,426,500 | 3,592 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 2,457 |
| Cost of funding earning assets | 0.5143% | 2,855 |
| Net interest margin | 3.5732% | 2,240 |
| Noninterest income to average assets | 1.0899% | 898 |
| Noninterest expense to average assets | 2.3336% | 3,314 |
| Loan and lease loss provision to assets | 0.1562% | 2,418 |
| Net operating income to assets | 2.0582% | 235 |
| Return on assets (ROA) | 2.0623% | 250 |
| Pretax return on assets | 2.0648% | 397 |
| Return on Equity (ROE) | 20.8012% | 199 |
| Retained earnings to average equity (ytd only) | 8.9788% | 774 |
| Net charge-offs to loans | 0.0078% | 3,051 |
| Credit loss provision to net charge-offs | 3,166.6667% | 315 |
| Earnings coverage of net charge-offs (x) | 449.5000% | 254 |
| Efficiency ratio | 51.2825% | 4,444 |
| Assets per employee ($millions) | 5.9846% | 2,345 |
| Cash dividends to net income (ytd only)* | 56.8354% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,313 |
| Loan loss allowance to noncurrent loans | 3,678.7879% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,244 |
| Noncurrent loans to loans | 0.0433% | 4,125 |
| Net loans and leases to total assets | 56.9359% | 3,209 |
| Net loans and leases to deposits | 68.0807% | 3,066 |
| Net loans and leases to core deposits | 71.7260% | 3,103 |
| Total domestic deposits to total assets | 83.6301% | 3,227 |
| Equity capital to assets | 9.8753% | 3,242 |
| Core capital (leverage) ratio | 9.3839% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8140% | 2,696 |
| Memoranda: | ||
| Average total assets | $121,657,400 | 3,726 |
| Average earning assets | $117,822,600 | 3,647 |
| Average equity | $12,061,800 | 3,965 |
| Average total loans | $76,908,000 | 3,611 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 2,112 |
| Cost of funding earning assets | 0.5931% | 2,660 |
| Net interest margin | 3.7012% | 1,936 |
| Noninterest income to average assets | 1.0809% | 891 |
| Noninterest expense to average assets | 2.3308% | 3,337 |
| Loan and lease loss provision to assets | 0.1788% | 2,201 |
| Net operating income to assets | 2.1428% | 225 |
| Return on assets (ROA) | 2.1473% | 240 |
| Pretax return on assets | 2.1506% | 376 |
| Return on Equity (ROE) | 21.6340% | 184 |
| Retained earnings to average equity (ytd only) | 9.5487% | 857 |
| Net charge-offs to loans | 0.0086% | 2,802 |
| Credit loss provision to net charge-offs | 3,200.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 415.6000% | 277 |
| Efficiency ratio | 50.0601% | 4,489 |
| Assets per employee ($millions) | 5.5059% | 2,707 |
| Cash dividends to net income (ytd only)* | 55.8624% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 1,567 |
| Loan loss allowance to noncurrent loans | 1,173.2673% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 3,822 |
| Noncurrent loans to loans | 0.1229% | 3,892 |
| Net loans and leases to total assets | 63.9850% | 2,774 |
| Net loans and leases to deposits | 76.9511% | 2,659 |
| Net loans and leases to core deposits | 82.0354% | 2,659 |
| Total domestic deposits to total assets | 83.1501% | 3,107 |
| Equity capital to assets | 10.1417% | 3,108 |
| Core capital (leverage) ratio | 9.2727% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2103% | 2,531 |
| Memoranda: | ||
| Average total assets | $119,156,250 | 3,748 |
| Average earning assets | $115,093,750 | 3,677 |
| Average equity | $11,826,750 | 3,999 |
| Average total loans | $77,090,750 | 3,625 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,473 |
| Cost of funding earning assets | 0.6650% | 2,590 |
| Net interest margin | 3.2826% | 3,428 |
| Noninterest income to average assets | 1.1280% | 781 |
| Noninterest expense to average assets | 2.3486% | 3,403 |
| Loan and lease loss provision to assets | 0.0686% | 3,432 |
| Net operating income to assets | 1.8806% | 417 |
| Return on assets (ROA) | 1.8892% | 453 |
| Pretax return on assets | 1.8926% | 680 |
| Return on Equity (ROE) | 19.1852% | 291 |
| Retained earnings to average equity (ytd only) | 8.8788% | 1,038 |
| Net charge-offs to loans | 0.0080% | 2,660 |
| Credit loss provision to net charge-offs | 1,333.3333% | 657 |
| Earnings coverage of net charge-offs (x) | 379.6667% | 271 |
| Efficiency ratio | 54.6034% | 4,106 |
| Assets per employee ($millions) | 5.7790% | 2,392 |
| Cash dividends to net income (ytd only)* | 53.7205% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,018 |
| Loan loss allowance to noncurrent loans | 740.9722% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 3,963 |
| Noncurrent loans to loans | 0.1750% | 3,747 |
| Net loans and leases to total assets | 63.8888% | 2,897 |
| Net loans and leases to deposits | 76.7313% | 2,782 |
| Net loans and leases to core deposits | 82.4129% | 2,742 |
| Total domestic deposits to total assets | 83.2631% | 3,008 |
| Equity capital to assets | 9.7398% | 3,434 |
| Core capital (leverage) ratio | 9.4449% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7771% | 3,025 |
| Memoranda: | ||
| Average total assets | $116,663,000 | 3,766 |
| Average earning assets | $112,776,333 | 3,697 |
| Average equity | $11,488,000 | 4,047 |
| Average total loans | $75,383,333 | 3,659 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,656 |
| Cost of funding earning assets | 0.7728% | 2,529 |
| Net interest margin | 3.2770% | 3,650 |
| Noninterest income to average assets | 0.9728% | 907 |
| Noninterest expense to average assets | 2.4447% | 3,443 |
| Loan and lease loss provision to assets | 0.0359% | 3,323 |
| Net operating income to assets | 1.6549% | 556 |
| Return on assets (ROA) | 1.6549% | 612 |
| Pretax return on assets | 1.6585% | 929 |
| Return on Equity (ROE) | 16.7021% | 365 |
| Retained earnings to average equity (ytd only) | 6.3041% | 1,771 |
| Net charge-offs to loans | 0.0167% | 2,038 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 157.3333% | 414 |
| Efficiency ratio | 59.0633% | 3,859 |
| Assets per employee ($millions) | 5.0335% | 2,613 |
| Cash dividends to net income (ytd only)* | 62.2560% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 1,501 |
| Loan loss allowance to noncurrent loans | 1,787.9310% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,329 |
| Noncurrent loans to loans | 0.0815% | 4,184 |
| Net loans and leases to total assets | 63.3004% | 3,150 |
| Net loans and leases to deposits | 73.7995% | 3,291 |
| Net loans and leases to core deposits | 80.4834% | 3,155 |
| Total domestic deposits to total assets | 85.7735% | 2,093 |
| Equity capital to assets | 9.9831% | 3,804 |
| Core capital (leverage) ratio | 9.6821% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9079% | 3,128 |
| Memoranda: | ||
| Average total assets | $111,425,500 | 3,825 |
| Average earning assets | $107,658,000 | 3,759 |
| Average equity | $11,040,500 | 4,116 |
| Average total loans | $71,928,000 | 3,727 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 3,114 |
| Cost of funding earning assets | 0.8459% | 2,452 |
| Net interest margin | 3.6054% | 3,121 |
| Noninterest income to average assets | 0.8189% | 1,392 |
| Noninterest expense to average assets | 2.5600% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7127% | 640 |
| Return on assets (ROA) | 1.7127% | 684 |
| Pretax return on assets | 1.7165% | 1,148 |
| Return on Equity (ROE) | 17.0922% | 407 |
| Retained earnings to average equity (ytd only) | 5.4922% | 2,167 |
| Net charge-offs to loans | -0.1481% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8624% | 3,718 |
| Assets per employee ($millions) | 4.8745% | 2,743 |
| Cash dividends to net income (ytd only)* | 67.8670% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 1,466 |
| Loan loss allowance to noncurrent loans | 1,716.6667% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 4,364 |
| Noncurrent loans to loans | 0.0825% | 4,192 |
| Net loans and leases to total assets | 63.9456% | 3,208 |
| Net loans and leases to deposits | 74.4829% | 3,309 |
| Net loans and leases to core deposits | 81.4960% | 3,180 |
| Total domestic deposits to total assets | 85.8528% | 2,118 |
| Equity capital to assets | 9.8346% | 4,072 |
| Core capital (leverage) ratio | 9.8914% | 3,625 |
| Tier 1 risk-based capital ratio | 11.5377% | 4,609 |
| Total risk-based capital ratio | 12.6165% | 4,576 |
| Memoranda: | ||
| Average total assets | $105,391,400 | 3,913 |
| Average earning assets | $101,071,600 | 3,848 |
| Average equity | $10,560,400 | 4,171 |
| Average total loans | $72,245,000 | 3,732 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 2,908 |
| Cost of funding earning assets | 0.8426% | 2,501 |
| Net interest margin | 3.7044% | 2,909 |
| Noninterest income to average assets | 0.8459% | 1,289 |
| Noninterest expense to average assets | 2.6046% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7870% | 630 |
| Return on assets (ROA) | 1.7870% | 662 |
| Pretax return on assets | 1.7908% | 1,118 |
| Return on Equity (ROE) | 17.7450% | 414 |
| Retained earnings to average equity (ytd only) | 6.0128% | 2,368 |
| Net charge-offs to loans | -0.2107% | 5,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2571% | 3,773 |
| Assets per employee ($millions) | 4.8431% | 2,743 |
| Cash dividends to net income (ytd only)* | 66.1149% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,522 |
| Loan loss allowance to noncurrent loans | 1,728.3333% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 4,424 |
| Noncurrent loans to loans | 0.0818% | 4,277 |
| Net loans and leases to total assets | 67.9087% | 2,799 |
| Net loans and leases to deposits | 79.6793% | 2,931 |
| Net loans and leases to core deposits | 88.9813% | 2,638 |
| Total domestic deposits to total assets | 85.2275% | 2,333 |
| Equity capital to assets | 10.2770% | 3,747 |
| Core capital (leverage) ratio | 10.3925% | 3,210 |
| Tier 1 risk-based capital ratio | 10.5415% | 5,065 |
| Total risk-based capital ratio | 11.5438% | 5,052 |
| Memoranda: | ||
| Average total assets | $103,710,750 | 3,987 |
| Average earning assets | $99,375,250 | 3,916 |
| Average equity | $10,444,000 | 4,230 |
| Average total loans | $72,125,750 | 3,778 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 2,615 |
| Cost of funding earning assets | 0.8201% | 2,550 |
| Net interest margin | 3.7999% | 2,588 |
| Noninterest income to average assets | 0.8116% | 1,310 |
| Noninterest expense to average assets | 2.6157% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8353% | 555 |
| Return on assets (ROA) | 1.8353% | 580 |
| Pretax return on assets | 1.8392% | 956 |
| Return on Equity (ROE) | 18.3546% | 365 |
| Retained earnings to average equity (ytd only) | 6.4037% | 2,100 |
| Net charge-offs to loans | -0.3208% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7156% | 3,903 |
| Assets per employee ($millions) | 4.6697% | 2,913 |
| Cash dividends to net income (ytd only)* | 65.1113% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 1,495 |
| Loan loss allowance to noncurrent loans | 2,208.5106% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,540 |
| Noncurrent loans to loans | 0.0647% | 4,389 |
| Net loans and leases to total assets | 69.6780% | 2,571 |
| Net loans and leases to deposits | 81.9975% | 2,736 |
| Net loans and leases to core deposits | 90.6734% | 2,545 |
| Total domestic deposits to total assets | 84.9758% | 2,488 |
| Equity capital to assets | 10.4552% | 3,553 |
| Core capital (leverage) ratio | 10.4425% | 3,150 |
| Tier 1 risk-based capital ratio | 11.3659% | 4,757 |
| Total risk-based capital ratio | 12.4620% | 4,720 |
| Memoranda: | ||
| Average total assets | $102,764,670 | 4,021 |
| Average earning assets | $98,528,000 | 3,955 |
| Average equity | $10,275,330 | 4,264 |
| Average total loans | $71,703,330 | 3,805 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8090% | 1,874 |
| Cost of funding earning assets | 0.7764% | 2,654 |
| Net interest margin | 4.0326% | 1,742 |
| Noninterest income to average assets | 0.9379% | 950 |
| Noninterest expense to average assets | 2.7204% | 2,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0743% | 343 |
| Return on assets (ROA) | 2.0743% | 359 |
| Pretax return on assets | 2.0782% | 554 |
| Return on Equity (ROE) | 21.2298% | 200 |
| Retained earnings to average equity (ytd only) | 9.1212% | 1,280 |
| Net charge-offs to loans | -0.6513% | 5,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6910% | 4,252 |
| Assets per employee ($millions) | 4.4670% | 3,236 |
| Cash dividends to net income (ytd only)* | 57.0356% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 1,474 |
| Loan loss allowance to noncurrent loans | 2,534.1463% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 3,835 |
| Noncurrent loans to loans | 0.0576% | 4,506 |
| Net loans and leases to total assets | 68.2334% | 2,727 |
| Net loans and leases to deposits | 80.5273% | 2,780 |
| Net loans and leases to core deposits | 88.6650% | 2,619 |
| Total domestic deposits to total assets | 84.7333% | 2,777 |
| Equity capital to assets | 10.0068% | 3,815 |
| Core capital (leverage) ratio | 10.4226% | 3,141 |
| Tier 1 risk-based capital ratio | 11.5697% | 4,706 |
| Total risk-based capital ratio | 12.6969% | 4,670 |
| Memoranda: | ||
| Average total assets | $102,780,000 | 4,057 |
| Average earning assets | $98,399,000 | 3,996 |
| Average equity | $10,042,500 | 4,320 |
| Average total loans | $71,244,500 | 3,847 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 3,560 |
| Cost of funding earning assets | 0.5755% | 2,883 |
| Net interest margin | 3.5819% | 3,442 |
| Noninterest income to average assets | 0.7009% | 1,853 |
| Noninterest expense to average assets | 2.4708% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6636% | 747 |
| Return on assets (ROA) | 1.6636% | 744 |
| Pretax return on assets | 1.6676% | 1,256 |
| Return on Equity (ROE) | 17.6782% | 422 |
| Retained earnings to average equity (ytd only) | 5.5127% | 2,478 |
| Net charge-offs to loans | 0.0015% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,694.0000% | 65 |
| Efficiency ratio | 59.7050% | 3,910 |
| Assets per employee ($millions) | 4.6736% | 2,920 |
| Cash dividends to net income (ytd only)* | 68.8166% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,068 |
| Loan loss allowance to noncurrent loans | 576.8750% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 4,049 |
| Noncurrent loans to loans | 0.2243% | 3,777 |
| Net loans and leases to total assets | 68.4925% | 2,806 |
| Net loans and leases to deposits | 83.7394% | 2,538 |
| Net loans and leases to core deposits | 88.7231% | 2,676 |
| Total domestic deposits to total assets | 81.7925% | 3,695 |
| Equity capital to assets | 9.5351% | 4,097 |
| Core capital (leverage) ratio | 10.2540% | 3,299 |
| Tier 1 risk-based capital ratio | 11.5326% | 4,710 |
| Total risk-based capital ratio | 12.5526% | 4,720 |
| Memoranda: | ||
| Average total assets | $101,586,000 | 4,074 |
| Average earning assets | $97,488,800 | 4,016 |
| Average equity | $9,559,800 | 4,379 |
| Average total loans | $68,128,400 | 3,914 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 3,538 |
| Cost of funding earning assets | 0.5314% | 2,986 |
| Net interest margin | 3.5978% | 3,376 |
| Noninterest income to average assets | 0.7162% | 1,805 |
| Noninterest expense to average assets | 2.4710% | 3,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6996% | 745 |
| Return on assets (ROA) | 1.6996% | 746 |
| Pretax return on assets | 1.7035% | 1,270 |
| Return on Equity (ROE) | 18.1212% | 416 |
| Retained earnings to average equity (ytd only) | 6.1060% | 2,606 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1927% | 3,936 |
| Assets per employee ($millions) | 4.3890% | 3,293 |
| Cash dividends to net income (ytd only)* | 66.3049% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 1,952 |
| Loan loss allowance to noncurrent loans | 595.4839% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 4,187 |
| Noncurrent loans to loans | 0.2237% | 3,907 |
| Net loans and leases to total assets | 67.7214% | 2,983 |
| Net loans and leases to deposits | 79.9584% | 3,050 |
| Net loans and leases to core deposits | 82.6626% | 3,281 |
| Total domestic deposits to total assets | 84.6958% | 2,723 |
| Equity capital to assets | 9.4100% | 4,172 |
| Core capital (leverage) ratio | 10.2661% | 3,336 |
| Tier 1 risk-based capital ratio | 11.5546% | 4,760 |
| Total risk-based capital ratio | 12.5856% | 4,773 |
| Memoranda: | ||
| Average total assets | $101,277,500 | 4,120 |
| Average earning assets | $97,353,750 | 4,053 |
| Average equity | $9,498,750 | 4,422 |
| Average total loans | $67,323,750 | 3,964 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 3,467 |
| Cost of funding earning assets | 0.4874% | 3,109 |
| Net interest margin | 3.6074% | 3,278 |
| Noninterest income to average assets | 0.7003% | 1,869 |
| Noninterest expense to average assets | 2.4500% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7063% | 710 |
| Return on assets (ROA) | 1.7063% | 716 |
| Pretax return on assets | 1.7103% | 1,185 |
| Return on Equity (ROE) | 18.2131% | 399 |
| Retained earnings to average equity (ytd only) | 6.2956% | 2,419 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8905% | 4,104 |
| Assets per employee ($millions) | 4.3658% | 3,331 |
| Cash dividends to net income (ytd only)* | 65.4335% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 1,920 |
| Loan loss allowance to noncurrent loans | 570.3704% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 4,180 |
| Noncurrent loans to loans | 0.2377% | 3,857 |
| Net loans and leases to total assets | 66.9525% | 3,018 |
| Net loans and leases to deposits | 79.6448% | 2,988 |
| Net loans and leases to core deposits | 83.3755% | 3,134 |
| Total domestic deposits to total assets | 84.0638% | 3,041 |
| Equity capital to assets | 9.4261% | 4,169 |
| Core capital (leverage) ratio | 10.1418% | 3,435 |
| Tier 1 risk-based capital ratio | 11.7228% | 4,675 |
| Total risk-based capital ratio | 12.7838% | 4,664 |
| Memoranda: | ||
| Average total assets | $101,388,000 | 4,155 |
| Average earning assets | $97,243,670 | 4,087 |
| Average equity | $9,498,670 | 4,460 |
| Average total loans | $66,670,000 | 4,006 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 3,260 |
| Cost of funding earning assets | 0.4542% | 3,176 |
| Net interest margin | 3.6375% | 3,038 |
| Noninterest income to average assets | 0.6086% | 2,217 |
| Noninterest expense to average assets | 2.4108% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6844% | 703 |
| Return on assets (ROA) | 1.6844% | 713 |
| Pretax return on assets | 1.6883% | 1,145 |
| Return on Equity (ROE) | 18.0337% | 407 |
| Retained earnings to average equity (ytd only) | 5.9272% | 2,744 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8123% | 4,247 |
| Assets per employee ($millions) | 4.5717% | 3,037 |
| Cash dividends to net income (ytd only)* | 67.1329% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,774 |
| Loan loss allowance to noncurrent loans | 570.3704% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 4,278 |
| Noncurrent loans to loans | 0.2484% | 3,874 |
| Net loans and leases to total assets | 63.9172% | 3,321 |
| Net loans and leases to deposits | 74.6982% | 3,344 |
| Net loans and leases to core deposits | 78.8650% | 3,417 |
| Total domestic deposits to total assets | 85.5673% | 2,721 |
| Equity capital to assets | 9.3381% | 4,236 |
| Core capital (leverage) ratio | 9.8576% | 3,700 |
| Tier 1 risk-based capital ratio | 11.9903% | 4,550 |
| Total risk-based capital ratio | 13.0926% | 4,541 |
| Memoranda: | ||
| Average total assets | $101,875,500 | 4,196 |
| Average earning assets | $97,759,500 | 4,133 |
| Average equity | $9,515,500 | 4,503 |
| Average total loans | $65,928,500 | 4,058 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 3,654 |
| Cost of funding earning assets | 0.3920% | 3,317 |
| Net interest margin | 3.5287% | 3,430 |
| Noninterest income to average assets | 0.7865% | 1,622 |
| Noninterest expense to average assets | 2.3874% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7833% | 435 |
| Return on assets (ROA) | 1.7785% | 457 |
| Pretax return on assets | 1.7823% | 827 |
| Return on Equity (ROE) | 19.3410% | 224 |
| Retained earnings to average equity (ytd only) | 6.0972% | 1,482 |
| Net charge-offs to loans | 0.0107% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 264.5714% | 317 |
| Efficiency ratio | 57.1891% | 4,624 |
| Assets per employee ($millions) | 4.6897% | 2,880 |
| Cash dividends to net income (ytd only)* | 68.4753% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 1,821 |
| Loan loss allowance to noncurrent loans | 587.8981% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 4,378 |
| Noncurrent loans to loans | 0.2356% | 3,960 |
| Net loans and leases to total assets | 63.7021% | 3,400 |
| Net loans and leases to deposits | 74.4495% | 3,484 |
| Net loans and leases to core deposits | 79.2648% | 3,480 |
| Total domestic deposits to total assets | 85.5642% | 2,628 |
| Equity capital to assets | 9.3425% | 4,387 |
| Core capital (leverage) ratio | 9.5311% | 4,003 |
| Tier 1 risk-based capital ratio | 11.5781% | 4,804 |
| Total risk-based capital ratio | 12.6566% | 4,793 |
| Memoranda: | ||
| Average total assets | $103,629,000 | 4,175 |
| Average earning assets | $99,497,000 | 4,109 |
| Average equity | $9,529,000 | 4,520 |
| Average total loans | $65,718,200 | 4,059 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 3,725 |
| Cost of funding earning assets | 0.3747% | 3,421 |
| Net interest margin | 3.5099% | 3,470 |
| Noninterest income to average assets | 0.8122% | 1,541 |
| Noninterest expense to average assets | 2.3853% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7941% | 474 |
| Return on assets (ROA) | 1.7877% | 488 |
| Pretax return on assets | 1.7916% | 909 |
| Return on Equity (ROE) | 19.5192% | 247 |
| Retained earnings to average equity (ytd only) | 6.7918% | 1,800 |
| Net charge-offs to loans | -0.0122% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0200% | 4,612 |
| Assets per employee ($millions) | 5.0082% | 2,433 |
| Cash dividends to net income (ytd only)* | 65.2047% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 1,921 |
| Loan loss allowance to noncurrent loans | 674.1007% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 4,588 |
| Noncurrent loans to loans | 0.2066% | 4,251 |
| Net loans and leases to total assets | 63.0957% | 3,540 |
| Net loans and leases to deposits | 74.1806% | 3,542 |
| Net loans and leases to core deposits | 78.4172% | 3,597 |
| Total domestic deposits to total assets | 85.0569% | 2,691 |
| Equity capital to assets | 9.3447% | 4,596 |
| Core capital (leverage) ratio | 9.4246% | 4,260 |
| Tier 1 risk-based capital ratio | 11.2980% | 5,076 |
| Total risk-based capital ratio | 12.3769% | 5,065 |
| Memoranda: | ||
| Average total assets | $103,742,750 | 4,209 |
| Average earning assets | $99,640,250 | 4,144 |
| Average equity | $9,501,500 | 4,576 |
| Average total loans | $65,486,000 | 4,093 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8663% | 3,664 |
| Cost of funding earning assets | 0.3489% | 3,596 |
| Net interest margin | 3.5173% | 3,332 |
| Noninterest income to average assets | 0.6953% | 2,009 |
| Noninterest expense to average assets | 2.4016% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6675% | 600 |
| Return on assets (ROA) | 1.6559% | 640 |
| Pretax return on assets | 1.6598% | 1,163 |
| Return on Equity (ROE) | 18.2057% | 317 |
| Retained earnings to average equity (ytd only) | 5.9834% | 2,127 |
| Net charge-offs to loans | -0.0062% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9634% | 4,471 |
| Assets per employee ($millions) | 4.9834% | 2,408 |
| Cash dividends to net income (ytd only)* | 67.1345% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,973 |
| Loan loss allowance to noncurrent loans | 888.5714% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 4,278 |
| Noncurrent loans to loans | 0.1568% | 4,490 |
| Net loans and leases to total assets | 63.0821% | 3,501 |
| Net loans and leases to deposits | 73.4809% | 3,599 |
| Net loans and leases to core deposits | 77.6467% | 3,630 |
| Total domestic deposits to total assets | 85.8482% | 2,447 |
| Equity capital to assets | 9.2641% | 4,661 |
| Core capital (leverage) ratio | 9.3156% | 4,350 |
| Tier 1 risk-based capital ratio | 10.4748% | 5,467 |
| Total risk-based capital ratio | 11.4921% | 5,499 |
| Memoranda: | ||
| Average total assets | $103,266,330 | 4,254 |
| Average earning assets | $99,165,670 | 4,175 |
| Average equity | $9,392,670 | 4,610 |
| Average total loans | $64,882,670 | 4,126 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,695 |
| Cost of funding earning assets | 0.3253% | 3,799 |
| Net interest margin | 3.4934% | 3,297 |
| Noninterest income to average assets | 0.7097% | 1,919 |
| Noninterest expense to average assets | 2.3359% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7197% | 531 |
| Return on assets (ROA) | 1.7197% | 540 |
| Pretax return on assets | 1.7236% | 954 |
| Return on Equity (ROE) | 19.0878% | 281 |
| Retained earnings to average equity (ytd only) | 7.9641% | 1,476 |
| Net charge-offs to loans | -0.0125% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5408% | 4,769 |
| Assets per employee ($millions) | 4.9120% | 2,562 |
| Cash dividends to net income (ytd only)* | 58.2766% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,984 |
| Loan loss allowance to noncurrent loans | 897.1154% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 4,332 |
| Noncurrent loans to loans | 0.1585% | 4,553 |
| Net loans and leases to total assets | 62.7172% | 3,442 |
| Net loans and leases to deposits | 70.9131% | 3,700 |
| Net loans and leases to core deposits | 73.9014% | 3,845 |
| Total domestic deposits to total assets | 88.4423% | 1,464 |
| Equity capital to assets | 9.0905% | 4,719 |
| Core capital (leverage) ratio | 9.2120% | 4,466 |
| Tier 1 risk-based capital ratio | 10.8670% | 5,379 |
| Total risk-based capital ratio | 11.9331% | 5,381 |
| Memoranda: | ||
| Average total assets | $102,574,000 | 4,305 |
| Average earning assets | $98,356,500 | 4,225 |
| Average equity | $9,241,500 | 4,669 |
| Average total loans | $63,849,500 | 4,186 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 3,827 |
| Cost of funding earning assets | 0.3254% | 3,792 |
| Net interest margin | 3.4976% | 3,439 |
| Noninterest income to average assets | 0.9137% | 1,365 |
| Noninterest expense to average assets | 2.5529% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7043% | 540 |
| Return on assets (ROA) | 1.7043% | 566 |
| Pretax return on assets | 1.7085% | 982 |
| Return on Equity (ROE) | 17.1770% | 389 |
| Retained earnings to average equity (ytd only) | 2.9306% | 3,817 |
| Net charge-offs to loans | -0.0032% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9077% | 4,600 |
| Assets per employee ($millions) | 4.8570% | 2,563 |
| Cash dividends to net income (ytd only)* | 82.9387% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,668 |
| Loan loss allowance to noncurrent loans | 363.6719% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,788 |
| Noncurrent loans to loans | 0.4124% | 3,667 |
| Net loans and leases to total assets | 59.9445% | 3,861 |
| Net loans and leases to deposits | 68.9122% | 4,017 |
| Net loans and leases to core deposits | 71.4698% | 4,115 |
| Total domestic deposits to total assets | 86.9867% | 2,153 |
| Equity capital to assets | 8.9278% | 4,884 |
| Core capital (leverage) ratio | 9.4754% | 4,116 |
| Tier 1 risk-based capital ratio | 10.4833% | 5,578 |
| Total risk-based capital ratio | 11.5297% | 5,606 |
| Memoranda: | ||
| Average total assets | $96,636,400 | 4,413 |
| Average earning assets | $92,493,000 | 4,339 |
| Average equity | $9,588,400 | 4,651 |
| Average total loans | $61,545,800 | 4,243 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 3,626 |
| Cost of funding earning assets | 0.3304% | 3,775 |
| Net interest margin | 3.5584% | 3,240 |
| Noninterest income to average assets | 0.9570% | 1,242 |
| Noninterest expense to average assets | 2.5925% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7657% | 524 |
| Return on assets (ROA) | 1.7643% | 551 |
| Pretax return on assets | 1.7685% | 957 |
| Return on Equity (ROE) | 17.3168% | 419 |
| Retained earnings to average equity (ytd only) | 5.6166% | 2,423 |
| Net charge-offs to loans | -0.0022% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4291% | 4,625 |
| Assets per employee ($millions) | 4.4405% | 3,176 |
| Cash dividends to net income (ytd only)* | 67.5654% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 1,683 |
| Loan loss allowance to noncurrent loans | 311.0368% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 4,186 |
| Noncurrent loans to loans | 0.4895% | 3,533 |
| Net loans and leases to total assets | 61.5799% | 3,677 |
| Net loans and leases to deposits | 70.6910% | 3,917 |
| Net loans and leases to core deposits | 74.1291% | 3,988 |
| Total domestic deposits to total assets | 87.1114% | 1,848 |
| Equity capital to assets | 10.2169% | 3,895 |
| Core capital (leverage) ratio | 9.8756% | 3,726 |
| Tier 1 risk-based capital ratio | 11.0874% | 5,322 |
| Total risk-based capital ratio | 12.1782% | 5,327 |
| Memoranda: | ||
| Average total assets | $95,296,500 | 4,473 |
| Average earning assets | $91,200,250 | 4,397 |
| Average equity | $9,709,000 | 4,677 |
| Average total loans | $61,414,250 | 4,275 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 3,667 |
| Cost of funding earning assets | 0.3376% | 3,723 |
| Net interest margin | 3.5397% | 3,330 |
| Noninterest income to average assets | 0.7979% | 1,724 |
| Noninterest expense to average assets | 2.5588% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6297% | 673 |
| Return on assets (ROA) | 1.6318% | 716 |
| Pretax return on assets | 1.6360% | 1,266 |
| Return on Equity (ROE) | 16.0319% | 542 |
| Retained earnings to average equity (ytd only) | 4.7825% | 2,876 |
| Net charge-offs to loans | 0.0033% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 772.0000% | 69 |
| Efficiency ratio | 61.0298% | 4,509 |
| Assets per employee ($millions) | 4.3407% | 3,311 |
| Cash dividends to net income (ytd only)* | 70.1686% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,992 |
| Loan loss allowance to noncurrent loans | 254.9451% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 3,966 |
| Noncurrent loans to loans | 0.5756% | 3,338 |
| Net loans and leases to total assets | 65.2436% | 3,190 |
| Net loans and leases to deposits | 75.7931% | 3,407 |
| Net loans and leases to core deposits | 79.6138% | 3,503 |
| Total domestic deposits to total assets | 86.0811% | 2,382 |
| Equity capital to assets | 10.2947% | 3,871 |
| Core capital (leverage) ratio | 9.7968% | 3,813 |
| Tier 1 risk-based capital ratio | 10.9064% | 5,473 |
| Total risk-based capital ratio | 11.9976% | 5,472 |
| Memoranda: | ||
| Average total assets | $94,498,330 | 4,530 |
| Average earning assets | $90,629,670 | 4,444 |
| Average equity | $9,618,330 | 4,721 |
| Average total loans | $61,523,000 | 4,297 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 3,596 |
| Cost of funding earning assets | 0.3645% | 3,457 |
| Net interest margin | 3.5335% | 3,345 |
| Noninterest income to average assets | 0.6809% | 2,133 |
| Noninterest expense to average assets | 2.5277% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5319% | 804 |
| Return on assets (ROA) | 1.5362% | 837 |
| Pretax return on assets | 1.5404% | 1,468 |
| Return on Equity (ROE) | 15.1808% | 641 |
| Retained earnings to average equity (ytd only) | 4.6257% | 3,164 |
| Net charge-offs to loans | 0.0132% | 2,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 180.5000% | 335 |
| Efficiency ratio | 62.1990% | 4,421 |
| Assets per employee ($millions) | 4.1755% | 3,627 |
| Cash dividends to net income (ytd only)* | 69.5291% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,859 |
| Loan loss allowance to noncurrent loans | 60.9067% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.5848% | 1,263 |
| Noncurrent loans to loans | 2.5157% | 742 |
| Net loans and leases to total assets | 62.0319% | 3,522 |
| Net loans and leases to deposits | 70.9836% | 3,754 |
| Net loans and leases to core deposits | 75.1862% | 3,762 |
| Total domestic deposits to total assets | 87.3891% | 2,001 |
| Equity capital to assets | 10.0077% | 4,074 |
| Core capital (leverage) ratio | 9.2710% | 4,521 |
| Tier 1 risk-based capital ratio | 11.3191% | 5,333 |
| Total risk-based capital ratio | 12.4652% | 5,296 |
| Memoranda: | ||
| Average total assets | $93,999,500 | 4,574 |
| Average earning assets | $89,994,500 | 4,500 |
| Average equity | $9,512,000 | 4,760 |
| Average total loans | $60,668,000 | 4,349 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 3,113 |
| Cost of funding earning assets | 0.3204% | 4,025 |
| Net interest margin | 3.7298% | 2,642 |
| Noninterest income to average assets | 0.6875% | 2,261 |
| Noninterest expense to average assets | 2.6364% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5963% | 712 |
| Return on assets (ROA) | 1.6063% | 719 |
| Pretax return on assets | 1.6097% | 1,220 |
| Return on Equity (ROE) | 15.4333% | 622 |
| Retained earnings to average equity (ytd only) | 3.7087% | 3,413 |
| Net charge-offs to loans | -0.0444% | 5,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2374% | 4,564 |
| Assets per employee ($millions) | 4.1801% | 3,609 |
| Cash dividends to net income (ytd only)* | 75.9695% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 1,872 |
| Loan loss allowance to noncurrent loans | 113.8480% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 2,453 |
| Noncurrent loans to loans | 1.3413% | 1,752 |
| Net loans and leases to total assets | 65.1425% | 3,103 |
| Net loans and leases to deposits | 74.4982% | 3,437 |
| Net loans and leases to core deposits | 75.6793% | 3,782 |
| Total domestic deposits to total assets | 87.4417% | 1,907 |
| Equity capital to assets | 10.2356% | 3,701 |
| Core capital (leverage) ratio | 9.7599% | 3,824 |
| Tier 1 risk-based capital ratio | 11.3430% | 5,351 |
| Total risk-based capital ratio | 12.5082% | 5,294 |
| Memoranda: | ||
| Average total assets | $89,894,000 | 4,677 |
| Average earning assets | $85,526,600 | 4,600 |
| Average equity | $9,356,400 | 4,775 |
| Average total loans | $60,849,400 | 4,356 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 3,039 |
| Cost of funding earning assets | 0.3110% | 4,217 |
| Net interest margin | 3.7651% | 2,506 |
| Noninterest income to average assets | 0.6743% | 2,360 |
| Noninterest expense to average assets | 2.6136% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6320% | 715 |
| Return on assets (ROA) | 1.6320% | 740 |
| Pretax return on assets | 1.6365% | 1,276 |
| Return on Equity (ROE) | 15.6133% | 648 |
| Retained earnings to average equity (ytd only) | 3.9818% | 3,636 |
| Net charge-offs to loans | -0.0548% | 5,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4953% | 4,648 |
| Assets per employee ($millions) | 4.2340% | 3,453 |
| Cash dividends to net income (ytd only)* | 74.4973% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 2,166 |
| Loan loss allowance to noncurrent loans | 108.6753% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 2,575 |
| Noncurrent loans to loans | 1.3790% | 1,854 |
| Net loans and leases to total assets | 65.4092% | 3,091 |
| Net loans and leases to deposits | 74.6145% | 3,465 |
| Net loans and leases to core deposits | 79.6663% | 3,452 |
| Total domestic deposits to total assets | 87.6628% | 1,719 |
| Equity capital to assets | 10.1483% | 3,996 |
| Core capital (leverage) ratio | 9.9978% | 3,626 |
| Tier 1 risk-based capital ratio | 11.1365% | 5,587 |
| Total risk-based capital ratio | 12.2866% | 5,537 |
| Memoranda: | ||
| Average total assets | $89,376,750 | 4,738 |
| Average earning assets | $84,882,750 | 4,665 |
| Average equity | $9,342,250 | 4,837 |
| Average total loans | $60,852,750 | 4,406 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 2,865 |
| Cost of funding earning assets | 0.3027% | 4,368 |
| Net interest margin | 3.8058% | 2,283 |
| Noninterest income to average assets | 0.6582% | 2,430 |
| Noninterest expense to average assets | 2.6419% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6364% | 699 |
| Return on assets (ROA) | 1.6364% | 726 |
| Pretax return on assets | 1.6410% | 1,217 |
| Return on Equity (ROE) | 15.4965% | 666 |
| Retained earnings to average equity (ytd only) | 3.9547% | 3,492 |
| Net charge-offs to loans | -0.0198% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6852% | 4,729 |
| Assets per employee ($millions) | 4.2412% | 3,398 |
| Cash dividends to net income (ytd only)* | 74.4799% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 2,413 |
| Loan loss allowance to noncurrent loans | 102.2523% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.9970% | 2,530 |
| Noncurrent loans to loans | 1.4373% | 1,856 |
| Net loans and leases to total assets | 68.3501% | 2,595 |
| Net loans and leases to deposits | 80.2679% | 2,751 |
| Net loans and leases to core deposits | 85.7723% | 2,789 |
| Total domestic deposits to total assets | 85.1524% | 3,066 |
| Equity capital to assets | 10.4834% | 3,458 |
| Core capital (leverage) ratio | 9.8458% | 3,813 |
| Tier 1 risk-based capital ratio | 11.2987% | 5,580 |
| Total risk-based capital ratio | 12.4537% | 5,541 |
| Memoranda: | ||
| Average total assets | $88,119,330 | 4,814 |
| Average earning assets | $83,924,330 | 4,732 |
| Average equity | $9,305,330 | 4,882 |
| Average total loans | $60,518,670 | 4,445 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,127 |
| Cost of funding earning assets | 0.2930% | 4,519 |
| Net interest margin | 3.7366% | 2,483 |
| Noninterest income to average assets | 0.6709% | 2,304 |
| Noninterest expense to average assets | 2.6105% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6065% | 704 |
| Return on assets (ROA) | 1.6065% | 737 |
| Pretax return on assets | 1.6110% | 1,244 |
| Return on Equity (ROE) | 15.1569% | 688 |
| Retained earnings to average equity (ytd only) | 3.3156% | 3,993 |
| Net charge-offs to loans | -0.0067% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8378% | 4,821 |
| Assets per employee ($millions) | 4.4001% | 3,200 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 2,508 |
| Loan loss allowance to noncurrent loans | 96.9925% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 2,501 |
| Noncurrent loans to loans | 1.5312% | 1,834 |
| Net loans and leases to total assets | 68.0655% | 2,427 |
| Net loans and leases to deposits | 80.2602% | 2,531 |
| Net loans and leases to core deposits | 80.5332% | 3,100 |
| Total domestic deposits to total assets | 84.8060% | 3,510 |
| Equity capital to assets | 10.6282% | 3,392 |
| Core capital (leverage) ratio | 9.8092% | 3,876 |
| Tier 1 risk-based capital ratio | 10.7727% | 5,909 |
| Total risk-based capital ratio | 11.8813% | 5,894 |
| Memoranda: | ||
| Average total assets | $87,646,500 | 4,870 |
| Average earning assets | $83,284,500 | 4,791 |
| Average equity | $9,289,500 | 4,920 |
| Average total loans | $59,886,000 | 4,494 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2041% | 2,944 |
| Cost of funding earning assets | 0.2779% | 5,023 |
| Net interest margin | 3.9262% | 2,135 |
| Noninterest income to average assets | 0.7673% | 2,005 |
| Noninterest expense to average assets | 2.7916% | 3,514 |
| Loan and lease loss provision to assets | 0.0363% | 3,856 |
| Net operating income to assets | 1.6436% | 649 |
| Return on assets (ROA) | 1.6436% | 671 |
| Pretax return on assets | 1.6471% | 1,102 |
| Return on Equity (ROE) | 15.6260% | 675 |
| Retained earnings to average equity (ytd only) | 2.9737% | 4,126 |
| Net charge-offs to loans | 0.1782% | 2,246 |
| Credit loss provision to net charge-offs | 30.6931% | 3,825 |
| Earnings coverage of net charge-offs (x) | 14.2277% | 2,184 |
| Efficiency ratio | 62.3822% | 4,849 |
| Assets per employee ($millions) | 4.3646% | 3,245 |
| Cash dividends to net income (ytd only)* | 80.9694% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 2,343 |
| Loan loss allowance to noncurrent loans | 74.9169% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.3793% | 2,021 |
| Noncurrent loans to loans | 2.0417% | 1,348 |
| Net loans and leases to total assets | 66.5223% | 2,805 |
| Net loans and leases to deposits | 76.5271% | 3,139 |
| Net loans and leases to core deposits | 76.7821% | 3,625 |
| Total domestic deposits to total assets | 86.9265% | 2,322 |
| Equity capital to assets | 10.5692% | 3,397 |
| Core capital (leverage) ratio | 10.0495% | 3,502 |
| Tier 1 risk-based capital ratio | 10.9225% | 5,939 |
| Total risk-based capital ratio | 12.0567% | 5,920 |
| Memoranda: | ||
| Average total assets | $85,362,000 | 4,930 |
| Average earning assets | $80,612,600 | 4,881 |
| Average equity | $8,978,600 | 4,981 |
| Average total loans | $56,664,000 | 4,594 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 3,149 |
| Cost of funding earning assets | 0.2744% | 5,160 |
| Net interest margin | 3.8816% | 2,319 |
| Noninterest income to average assets | 0.7540% | 2,078 |
| Noninterest expense to average assets | 2.8086% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6069% | 740 |
| Return on assets (ROA) | 1.6069% | 773 |
| Pretax return on assets | 1.6117% | 1,295 |
| Return on Equity (ROE) | 15.2967% | 774 |
| Retained earnings to average equity (ytd only) | 2.9457% | 4,498 |
| Net charge-offs to loans | 0.2425% | 1,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.0586% | 2,589 |
| Efficiency ratio | 63.5394% | 4,620 |
| Assets per employee ($millions) | 3.6806% | 4,523 |
| Cash dividends to net income (ytd only)* | 80.7430% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 2,750 |
| Loan loss allowance to noncurrent loans | 48.0132% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 2.4193% | 1,109 |
| Noncurrent loans to loans | 3.1084% | 836 |
| Net loans and leases to total assets | 67.8346% | 2,564 |
| Net loans and leases to deposits | 78.9692% | 2,842 |
| Net loans and leases to core deposits | 79.2438% | 3,403 |
| Total domestic deposits to total assets | 85.9001% | 2,900 |
| Equity capital to assets | 10.7545% | 3,236 |
| Core capital (leverage) ratio | 10.0554% | 3,592 |
| Tier 1 risk-based capital ratio | 10.9236% | 6,031 |
| Total risk-based capital ratio | 12.0268% | 6,047 |
| Memoranda: | ||
| Average total assets | $84,879,750 | 4,999 |
| Average earning assets | $80,170,250 | 4,939 |
| Average equity | $8,916,750 | 5,033 |
| Average total loans | $56,087,500 | 4,657 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 3,266 |
| Cost of funding earning assets | 0.2721% | 5,269 |
| Net interest margin | 3.8475% | 2,386 |
| Noninterest income to average assets | 0.8169% | 1,778 |
| Noninterest expense to average assets | 2.8321% | 3,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6079% | 696 |
| Return on assets (ROA) | 1.6079% | 724 |
| Pretax return on assets | 1.6126% | 1,222 |
| Return on Equity (ROE) | 15.4275% | 727 |
| Retained earnings to average equity (ytd only) | 3.7270% | 3,825 |
| Net charge-offs to loans | 0.3649% | 1,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.7822% | 2,723 |
| Efficiency ratio | 63.7182% | 4,736 |
| Assets per employee ($millions) | 3.9197% | 4,018 |
| Cash dividends to net income (ytd only)* | 75.8419% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 2,843 |
| Loan loss allowance to noncurrent loans | 44.5524% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 2.5408% | 1,103 |
| Noncurrent loans to loans | 3.3927% | 804 |
| Net loans and leases to total assets | 65.8128% | 2,779 |
| Net loans and leases to deposits | 80.4870% | 2,452 |
| Net loans and leases to core deposits | 80.7734% | 3,121 |
| Total domestic deposits to total assets | 81.7682% | 4,730 |
| Equity capital to assets | 10.5341% | 3,405 |
| Core capital (leverage) ratio | 10.1046% | 3,467 |
| Tier 1 risk-based capital ratio | 10.6546% | 6,195 |
| Total risk-based capital ratio | 11.7360% | 6,200 |
| Memoranda: | ||
| Average total assets | $84,955,330 | 5,041 |
| Average earning assets | $80,103,330 | 4,978 |
| Average equity | $8,854,330 | 5,068 |
| Average total loans | $55,352,000 | 4,709 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,883 |
| Cost of funding earning assets | 0.2615% | 5,471 |
| Net interest margin | 3.9368% | 1,962 |
| Noninterest income to average assets | 0.7021% | 2,157 |
| Noninterest expense to average assets | 2.8891% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5228% | 776 |
| Return on assets (ROA) | 1.5228% | 813 |
| Pretax return on assets | 1.5276% | 1,346 |
| Return on Equity (ROE) | 14.6919% | 824 |
| Retained earnings to average equity (ytd only) | 4.1650% | 3,632 |
| Net charge-offs to loans | 0.4279% | 852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.5517% | 2,359 |
| Efficiency ratio | 65.4135% | 4,623 |
| Assets per employee ($millions) | 3.8608% | 4,210 |
| Cash dividends to net income (ytd only)* | 71.6511% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 2,517 |
| Loan loss allowance to noncurrent loans | 112.0098% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.2998% | 2,694 |
| Noncurrent loans to loans | 1.4726% | 2,579 |
| Net loans and leases to total assets | 64.1621% | 2,862 |
| Net loans and leases to deposits | 75.0165% | 2,940 |
| Net loans and leases to core deposits | 75.5804% | 3,454 |
| Total domestic deposits to total assets | 85.5306% | 3,595 |
| Equity capital to assets | 10.3699% | 3,369 |
| Core capital (leverage) ratio | 9.9354% | 3,656 |
| Tier 1 risk-based capital ratio | 10.8671% | 6,210 |
| Total risk-based capital ratio | 12.0348% | 6,205 |
| Memoranda: | ||
| Average total assets | $84,316,000 | 5,108 |
| Average earning assets | $79,556,000 | 5,039 |
| Average equity | $8,739,500 | 5,120 |
| Average total loans | $54,216,000 | 4,786 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 3,158 |
| Cost of funding earning assets | 0.3347% | 5,285 |
| Net interest margin | 3.9131% | 2,243 |
| Noninterest income to average assets | 0.6811% | 2,642 |
| Noninterest expense to average assets | 2.8190% | 3,658 |
| Loan and lease loss provision to assets | 0.0087% | 4,951 |
| Net operating income to assets | 1.5562% | 748 |
| Return on assets (ROA) | 1.5562% | 774 |
| Pretax return on assets | 1.5587% | 1,272 |
| Return on Equity (ROE) | 14.2069% | 904 |
| Retained earnings to average equity (ytd only) | 1.7815% | 4,967 |
| Net charge-offs to loans | -0.0330% | 6,245 |
| Credit loss provision to net charge-offs | -41.1765% | 5,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2675% | 4,851 |
| Assets per employee ($millions) | 3.8043% | 4,253 |
| Cash dividends to net income (ytd only)* | 87.4601% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 1,962 |
| Loan loss allowance to noncurrent loans | 101.2500% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.2211% | 2,962 |
| Noncurrent loans to loans | 1.8106% | 2,221 |
| Net loans and leases to total assets | 62.1884% | 3,328 |
| Net loans and leases to deposits | 71.7725% | 3,552 |
| Net loans and leases to core deposits | 72.3884% | 4,018 |
| Total domestic deposits to total assets | 86.6466% | 2,911 |
| Equity capital to assets | 10.3604% | 3,330 |
| Core capital (leverage) ratio | 10.4952% | 2,930 |
| Tier 1 risk-based capital ratio | 11.3400% | 6,002 |
| Total risk-based capital ratio | 12.5904% | 5,931 |
| Memoranda: | ||
| Average total assets | $80,453,200 | 5,227 |
| Average earning assets | $76,179,200 | 5,149 |
| Average equity | $8,812,600 | 5,139 |
| Average total loans | $51,569,400 | 4,912 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 3,128 |
| Cost of funding earning assets | 0.3482% | 5,310 |
| Net interest margin | 3.9185% | 2,201 |
| Noninterest income to average assets | 0.7282% | 2,469 |
| Noninterest expense to average assets | 2.8409% | 3,520 |
| Loan and lease loss provision to assets | 0.0117% | 4,764 |
| Net operating income to assets | 1.5837% | 771 |
| Return on assets (ROA) | 1.5837% | 817 |
| Pretax return on assets | 1.5870% | 1,367 |
| Return on Equity (ROE) | 14.2552% | 937 |
| Retained earnings to average equity (ytd only) | 2.0796% | 5,080 |
| Net charge-offs to loans | 0.0130% | 4,876 |
| Credit loss provision to net charge-offs | 140.0000% | 1,677 |
| Earnings coverage of net charge-offs (x) | 190.8996% | 303 |
| Efficiency ratio | 63.9894% | 4,800 |
| Assets per employee ($millions) | 3.7509% | 4,347 |
| Cash dividends to net income (ytd only)* | 85.4127% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8543% | 2,129 |
| Loan loss allowance to noncurrent loans | 212.5280% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 4,748 |
| Noncurrent loans to loans | 0.8725% | 4,073 |
| Net loans and leases to total assets | 63.8360% | 3,020 |
| Net loans and leases to deposits | 74.2985% | 3,193 |
| Net loans and leases to core deposits | 74.9821% | 3,735 |
| Total domestic deposits to total assets | 85.9183% | 3,308 |
| Equity capital to assets | 10.9904% | 2,768 |
| Core capital (leverage) ratio | 10.7156% | 2,770 |
| Tier 1 risk-based capital ratio | 11.5707% | 6,022 |
| Total risk-based capital ratio | 12.8263% | 5,990 |
| Memoranda: | ||
| Average total assets | $79,643,000 | 5,297 |
| Average earning assets | $75,435,750 | 5,213 |
| Average equity | $8,848,000 | 5,178 |
| Average total loans | $51,206,750 | 4,964 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 3,083 |
| Cost of funding earning assets | 0.3645% | 5,276 |
| Net interest margin | 3.9038% | 2,198 |
| Noninterest income to average assets | 0.7731% | 2,309 |
| Noninterest expense to average assets | 2.8248% | 3,589 |
| Loan and lease loss provision to assets | 0.0175% | 4,550 |
| Net operating income to assets | 1.6238% | 717 |
| Return on assets (ROA) | 1.6238% | 784 |
| Pretax return on assets | 1.6288% | 1,281 |
| Return on Equity (ROE) | 14.5652% | 894 |
| Retained earnings to average equity (ytd only) | 2.6258% | 4,638 |
| Net charge-offs to loans | 0.0195% | 4,455 |
| Credit loss provision to net charge-offs | 140.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 131.6000% | 373 |
| Efficiency ratio | 63.1785% | 4,991 |
| Assets per employee ($millions) | 3.6645% | 4,483 |
| Cash dividends to net income (ytd only)* | 81.9723% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 2,500 |
| Loan loss allowance to noncurrent loans | 306.4516% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 5,330 |
| Noncurrent loans to loans | 0.5810% | 4,809 |
| Net loans and leases to total assets | 65.0053% | 2,755 |
| Net loans and leases to deposits | 75.8562% | 2,896 |
| Net loans and leases to core deposits | 76.2513% | 3,516 |
| Total domestic deposits to total assets | 85.6955% | 3,532 |
| Equity capital to assets | 10.8363% | 2,910 |
| Core capital (leverage) ratio | 10.6352% | 2,730 |
| Tier 1 risk-based capital ratio | 11.4351% | 6,146 |
| Total risk-based capital ratio | 12.6806% | 6,108 |
| Memoranda: | ||
| Average total assets | $79,934,330 | 5,312 |
| Average earning assets | $75,721,670 | 5,234 |
| Average equity | $8,911,670 | 5,191 |
| Average total loans | $51,198,000 | 4,979 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 3,276 |
| Cost of funding earning assets | 0.3864% | 5,228 |
| Net interest margin | 3.8212% | 2,373 |
| Noninterest income to average assets | 0.8242% | 2,024 |
| Noninterest expense to average assets | 2.8947% | 3,364 |
| Loan and lease loss provision to assets | 0.0352% | 4,007 |
| Net operating income to assets | 1.5177% | 831 |
| Return on assets (ROA) | 1.5177% | 907 |
| Pretax return on assets | 1.5228% | 1,508 |
| Return on Equity (ROE) | 13.4230% | 1,073 |
| Retained earnings to average equity (ytd only) | 1.6890% | 5,139 |
| Net charge-offs to loans | -0.0080% | 5,371 |
| Credit loss provision to net charge-offs | -700.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0113% | 4,820 |
| Assets per employee ($millions) | 3.7265% | 4,498 |
| Cash dividends to net income (ytd only)* | 87.4172% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 2,412 |
| Loan loss allowance to noncurrent loans | 312.4183% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 5,414 |
| Noncurrent loans to loans | 0.5963% | 4,947 |
| Net loans and leases to total assets | 64.3554% | 2,639 |
| Net loans and leases to deposits | 75.1975% | 2,744 |
| Net loans and leases to core deposits | 75.6016% | 3,371 |
| Total domestic deposits to total assets | 85.5819% | 3,751 |
| Equity capital to assets | 11.4547% | 2,456 |
| Core capital (leverage) ratio | 10.2115% | 3,129 |
| Tier 1 risk-based capital ratio | 11.6071% | 6,128 |
| Total risk-based capital ratio | 12.8583% | 6,096 |
| Memoranda: | ||
| Average total assets | $79,592,500 | 5,375 |
| Average earning assets | $75,578,000 | 5,280 |
| Average equity | $8,999,500 | 5,223 |
| Average total loans | $50,119,000 | 5,056 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 3,853 |
| Cost of funding earning assets | 0.5047% | 5,184 |
| Net interest margin | 3.8847% | 2,895 |
| Noninterest income to average assets | 1.1302% | 1,222 |
| Noninterest expense to average assets | 2.8932% | 3,667 |
| Loan and lease loss provision to assets | 0.1754% | 3,428 |
| Net operating income to assets | 1.7141% | 600 |
| Return on assets (ROA) | 1.7329% | 643 |
| Pretax return on assets | 1.7354% | 1,055 |
| Return on Equity (ROE) | 15.5852% | 725 |
| Retained earnings to average equity (ytd only) | 3.1892% | 3,978 |
| Net charge-offs to loans | 0.1733% | 3,991 |
| Credit loss provision to net charge-offs | 168.6747% | 1,569 |
| Earnings coverage of net charge-offs (x) | 18.1928% | 1,455 |
| Efficiency ratio | 60.4609% | 5,474 |
| Assets per employee ($millions) | 3.8538% | 4,262 |
| Cash dividends to net income (ytd only)* | 79.5372% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 2,176 |
| Loan loss allowance to noncurrent loans | 356.3910% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 5,494 |
| Noncurrent loans to loans | 0.5437% | 5,166 |
| Net loans and leases to total assets | 59.2766% | 3,730 |
| Net loans and leases to deposits | 69.6084% | 3,759 |
| Net loans and leases to core deposits | 69.9627% | 4,322 |
| Total domestic deposits to total assets | 85.1574% | 3,789 |
| Equity capital to assets | 11.1641% | 2,774 |
| Core capital (leverage) ratio | 10.0317% | 3,356 |
| Tier 1 risk-based capital ratio | 11.9998% | 5,791 |
| Total risk-based capital ratio | 13.2556% | 5,739 |
| Memoranda: | ||
| Average total assets | $79,807,600 | 5,354 |
| Average earning assets | $75,090,000 | 5,275 |
| Average equity | $8,873,800 | 5,257 |
| Average total loans | $47,904,200 | 5,184 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 3,602 |
| Cost of funding earning assets | 0.5268% | 5,267 |
| Net interest margin | 3.9809% | 2,574 |
| Noninterest income to average assets | 1.1015% | 1,239 |
| Noninterest expense to average assets | 2.9054% | 3,578 |
| Loan and lease loss provision to assets | 0.1727% | 3,405 |
| Net operating income to assets | 1.7721% | 606 |
| Return on assets (ROA) | 1.7972% | 640 |
| Pretax return on assets | 1.7989% | 1,050 |
| Return on Equity (ROE) | 16.1804% | 721 |
| Retained earnings to average equity (ytd only) | 4.8601% | 3,468 |
| Net charge-offs to loans | 0.0756% | 4,654 |
| Credit loss provision to net charge-offs | 381.4815% | 707 |
| Earnings coverage of net charge-offs (x) | 42.9989% | 833 |
| Efficiency ratio | 59.8825% | 5,520 |
| Assets per employee ($millions) | 3.7802% | 4,350 |
| Cash dividends to net income (ytd only)* | 69.9629% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0358% | 2,068 |
| Loan loss allowance to noncurrent loans | 124.6134% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 4,185 |
| Noncurrent loans to loans | 1.6337% | 3,347 |
| Net loans and leases to total assets | 58.6156% | 4,020 |
| Net loans and leases to deposits | 69.0416% | 4,021 |
| Net loans and leases to core deposits | 69.6931% | 4,535 |
| Total domestic deposits to total assets | 84.8989% | 3,787 |
| Equity capital to assets | 11.4442% | 2,811 |
| Core capital (leverage) ratio | 10.5750% | 2,825 |
| Tier 1 risk-based capital ratio | 12.2898% | 5,774 |
| Total risk-based capital ratio | 13.5416% | 5,743 |
| Memoranda: | ||
| Average total assets | $79,527,250 | 5,414 |
| Average earning assets | $74,923,000 | 5,328 |
| Average equity | $8,833,500 | 5,315 |
| Average total loans | $47,650,250 | 5,248 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 3,503 |
| Cost of funding earning assets | 0.5542% | 5,275 |
| Net interest margin | 4.0107% | 2,460 |
| Noninterest income to average assets | 0.9098% | 1,749 |
| Noninterest expense to average assets | 2.9180% | 3,552 |
| Loan and lease loss provision to assets | 0.1684% | 3,423 |
| Net operating income to assets | 1.5859% | 856 |
| Return on assets (ROA) | 1.5859% | 961 |
| Pretax return on assets | 1.5884% | 1,580 |
| Return on Equity (ROE) | 14.4234% | 1,026 |
| Retained earnings to average equity (ytd only) | 3.8630% | 4,045 |
| Net charge-offs to loans | 0.1216% | 3,956 |
| Credit loss provision to net charge-offs | 231.0345% | 1,235 |
| Earnings coverage of net charge-offs (x) | 24.1034% | 1,232 |
| Efficiency ratio | 62.4194% | 5,180 |
| Assets per employee ($millions) | 3.7948% | 4,324 |
| Cash dividends to net income (ytd only)* | 73.2171% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9445% | 2,392 |
| Loan loss allowance to noncurrent loans | 112.6061% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 4,137 |
| Noncurrent loans to loans | 1.7268% | 3,309 |
| Net loans and leases to total assets | 58.7878% | 4,023 |
| Net loans and leases to deposits | 68.8972% | 4,057 |
| Net loans and leases to core deposits | 69.7901% | 4,552 |
| Total domestic deposits to total assets | 85.3269% | 3,699 |
| Equity capital to assets | 11.0942% | 3,022 |
| Core capital (leverage) ratio | 10.4261% | 2,889 |
| Tier 1 risk-based capital ratio | 12.5348% | 5,542 |
| Total risk-based capital ratio | 13.7877% | 5,523 |
| Memoranda: | ||
| Average total assets | $79,574,670 | 5,449 |
| Average earning assets | $74,700,330 | 5,374 |
| Average equity | $8,749,670 | 5,338 |
| Average total loans | $47,700,670 | 5,276 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6364% | 3,330 |
| Cost of funding earning assets | 0.5937% | 5,182 |
| Net interest margin | 4.0427% | 2,321 |
| Noninterest income to average assets | 0.9155% | 1,683 |
| Noninterest expense to average assets | 2.8925% | 3,651 |
| Loan and lease loss provision to assets | 0.2113% | 2,839 |
| Net operating income to assets | 1.5745% | 907 |
| Return on assets (ROA) | 1.5745% | 1,014 |
| Pretax return on assets | 1.5795% | 1,637 |
| Return on Equity (ROE) | 14.3842% | 1,109 |
| Retained earnings to average equity (ytd only) | 3.8143% | 4,297 |
| Net charge-offs to loans | 0.1762% | 3,039 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 16.9524% | 1,328 |
| Efficiency ratio | 61.7615% | 5,314 |
| Assets per employee ($millions) | 3.7562% | 4,526 |
| Cash dividends to net income (ytd only)* | 73.4824% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 2,456 |
| Loan loss allowance to noncurrent loans | 62.4658% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.9802% | 2,926 |
| Noncurrent loans to loans | 3.1512% | 2,035 |
| Net loans and leases to total assets | 57.5811% | 4,115 |
| Net loans and leases to deposits | 67.6890% | 4,116 |
| Net loans and leases to core deposits | 68.5782% | 4,614 |
| Total domestic deposits to total assets | 85.0672% | 4,005 |
| Equity capital to assets | 11.0725% | 2,825 |
| Core capital (leverage) ratio | 9.7381% | 3,721 |
| Tier 1 risk-based capital ratio | 12.9137% | 5,271 |
| Total risk-based capital ratio | 14.1783% | 5,239 |
| Memoranda: | ||
| Average total assets | $79,517,000 | 5,490 |
| Average earning assets | $74,109,000 | 5,431 |
| Average equity | $8,704,000 | 5,361 |
| Average total loans | $47,662,500 | 5,310 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 3,096 |
| Cost of funding earning assets | 0.7633% | 5,115 |
| Net interest margin | 4.1894% | 2,098 |
| Noninterest income to average assets | 0.7743% | 2,206 |
| Noninterest expense to average assets | 2.9792% | 3,668 |
| Loan and lease loss provision to assets | 0.3262% | 3,077 |
| Net operating income to assets | 1.3468% | 1,148 |
| Return on assets (ROA) | 1.3608% | 1,200 |
| Pretax return on assets | 1.3633% | 1,904 |
| Return on Equity (ROE) | 13.1392% | 1,132 |
| Retained earnings to average equity (ytd only) | 9.0822% | 780 |
| Net charge-offs to loans | 0.7526% | 2,269 |
| Credit loss provision to net charge-offs | 68.1698% | 4,925 |
| Earnings coverage of net charge-offs (x) | 3.5013% | 3,495 |
| Efficiency ratio | 64.0033% | 5,128 |
| Assets per employee ($millions) | 3.8169% | 4,283 |
| Cash dividends to net income (ytd only)* | 30.8769% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,812 |
| Loan loss allowance to noncurrent loans | 48.5823% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 2.5214% | 2,407 |
| Noncurrent loans to loans | 3.7434% | 1,684 |
| Net loans and leases to total assets | 60.0120% | 3,991 |
| Net loans and leases to deposits | 71.2126% | 3,913 |
| Net loans and leases to core deposits | 72.1310% | 4,508 |
| Total domestic deposits to total assets | 84.2715% | 4,207 |
| Equity capital to assets | 10.8217% | 3,168 |
| Core capital (leverage) ratio | 10.2536% | 3,023 |
| Tier 1 risk-based capital ratio | 13.0525% | 5,022 |
| Total risk-based capital ratio | 14.3044% | 5,002 |
| Memoranda: | ||
| Average total assets | $78,779,000 | 5,485 |
| Average earning assets | $72,969,200 | 5,445 |
| Average equity | $8,158,800 | 5,525 |
| Average total loans | $50,091,000 | 5,264 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 3,032 |
| Cost of funding earning assets | 0.8050% | 5,117 |
| Net interest margin | 4.2052% | 2,078 |
| Noninterest income to average assets | 0.6255% | 3,020 |
| Noninterest expense to average assets | 2.9935% | 3,572 |
| Loan and lease loss provision to assets | 0.1904% | 4,123 |
| Net operating income to assets | 1.3276% | 1,314 |
| Return on assets (ROA) | 1.3463% | 1,366 |
| Pretax return on assets | 1.3497% | 2,118 |
| Return on Equity (ROE) | 13.1503% | 1,239 |
| Retained earnings to average equity (ytd only) | 9.0990% | 1,111 |
| Net charge-offs to loans | 0.3944% | 3,139 |
| Credit loss provision to net charge-offs | 75.1678% | 4,308 |
| Earnings coverage of net charge-offs (x) | 6.0067% | 2,640 |
| Efficiency ratio | 66.3027% | 4,669 |
| Assets per employee ($millions) | 3.7356% | 4,443 |
| Cash dividends to net income (ytd only)* | 30.8086% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9782% | 2,396 |
| Loan loss allowance to noncurrent loans | 67.1261% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 2.2588% | 2,830 |
| Noncurrent loans to loans | 2.9470% | 2,364 |
| Net loans and leases to total assets | 61.5231% | 3,838 |
| Net loans and leases to deposits | 73.0041% | 3,809 |
| Net loans and leases to core deposits | 73.9663% | 4,447 |
| Total domestic deposits to total assets | 84.2735% | 4,111 |
| Equity capital to assets | 10.7996% | 3,357 |
| Core capital (leverage) ratio | 10.0879% | 3,323 |
| Tier 1 risk-based capital ratio | 12.4896% | 5,492 |
| Total risk-based capital ratio | 13.7429% | 5,488 |
| Memoranda: | ||
| Average total assets | $78,435,250 | 5,542 |
| Average earning assets | $72,542,750 | 5,497 |
| Average equity | $8,030,000 | 5,589 |
| Average total loans | $50,365,500 | 5,292 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 3,187 |
| Cost of funding earning assets | 0.8507% | 5,056 |
| Net interest margin | 4.1425% | 2,256 |
| Noninterest income to average assets | 0.6732% | 2,694 |
| Noninterest expense to average assets | 2.9937% | 3,664 |
| Loan and lease loss provision to assets | 0.1581% | 4,340 |
| Net operating income to assets | 1.3311% | 1,241 |
| Return on assets (ROA) | 1.3592% | 1,244 |
| Pretax return on assets | 1.3617% | 1,915 |
| Return on Equity (ROE) | 13.5233% | 1,082 |
| Retained earnings to average equity (ytd only) | 9.8951% | 875 |
| Net charge-offs to loans | 0.3666% | 3,082 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 6.2903% | 2,426 |
| Efficiency ratio | 66.7425% | 4,736 |
| Assets per employee ($millions) | 3.6979% | 4,450 |
| Cash dividends to net income (ytd only)* | 26.8293% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9823% | 2,417 |
| Loan loss allowance to noncurrent loans | 66.4858% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 2.1814% | 3,008 |
| Noncurrent loans to loans | 2.9815% | 2,434 |
| Net loans and leases to total assets | 62.4016% | 3,814 |
| Net loans and leases to deposits | 73.8340% | 3,828 |
| Net loans and leases to core deposits | 77.0361% | 4,185 |
| Total domestic deposits to total assets | 84.5161% | 4,111 |
| Equity capital to assets | 10.5479% | 3,445 |
| Core capital (leverage) ratio | 9.7444% | 3,608 |
| Tier 1 risk-based capital ratio | 12.4646% | 5,380 |
| Total risk-based capital ratio | 13.7217% | 5,351 |
| Memoranda: | ||
| Average total assets | $78,431,330 | 5,590 |
| Average earning assets | $72,179,330 | 5,551 |
| Average equity | $7,882,670 | 5,655 |
| Average total loans | $50,741,670 | 5,327 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 3,176 |
| Cost of funding earning assets | 0.8833% | 5,039 |
| Net interest margin | 4.0999% | 2,271 |
| Noninterest income to average assets | 0.7308% | 2,387 |
| Noninterest expense to average assets | 2.9485% | 3,860 |
| Loan and lease loss provision to assets | 0.1472% | 4,169 |
| Net operating income to assets | 1.3753% | 1,105 |
| Return on assets (ROA) | 1.4311% | 1,052 |
| Pretax return on assets | 1.4362% | 1,632 |
| Return on Equity (ROE) | 14.5953% | 883 |
| Retained earnings to average equity (ytd only) | 10.6101% | 971 |
| Net charge-offs to loans | 0.2024% | 3,294 |
| Credit loss provision to net charge-offs | 111.5385% | 2,402 |
| Earnings coverage of net charge-offs (x) | 11.5769% | 1,545 |
| Efficiency ratio | 65.8730% | 5,057 |
| Assets per employee ($millions) | 3.7160% | 4,502 |
| Cash dividends to net income (ytd only)* | 27.3050% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,375 |
| Loan loss allowance to noncurrent loans | 69.9310% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 2.0504% | 3,258 |
| Noncurrent loans to loans | 2.8793% | 2,612 |
| Net loans and leases to total assets | 63.2344% | 3,595 |
| Net loans and leases to deposits | 75.4638% | 3,504 |
| Net loans and leases to core deposits | 78.4001% | 3,966 |
| Total domestic deposits to total assets | 83.7945% | 4,575 |
| Equity capital to assets | 10.0416% | 3,726 |
| Core capital (leverage) ratio | 9.3330% | 4,076 |
| Tier 1 risk-based capital ratio | 12.1394% | 5,562 |
| Total risk-based capital ratio | 13.3992% | 5,548 |
| Memoranda: | ||
| Average total assets | $78,819,500 | 5,622 |
| Average earning assets | $72,001,000 | 5,603 |
| Average equity | $7,728,500 | 5,699 |
| Average total loans | $51,393,500 | 5,349 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 2,441 |
| Cost of funding earning assets | 1.0751% | 5,285 |
| Net interest margin | 4.3838% | 1,538 |
| Noninterest income to average assets | 0.9722% | 1,601 |
| Noninterest expense to average assets | 2.9556% | 4,015 |
| Loan and lease loss provision to assets | 0.5755% | 2,831 |
| Net operating income to assets | 1.4054% | 943 |
| Return on assets (ROA) | 1.4054% | 1,014 |
| Pretax return on assets | 1.4054% | 1,654 |
| Return on Equity (ROE) | 15.4806% | 649 |
| Retained earnings to average equity (ytd only) | 11.6937% | 302 |
| Net charge-offs to loans | 0.6796% | 2,968 |
| Credit loss provision to net charge-offs | 122.1925% | 3,424 |
| Earnings coverage of net charge-offs (x) | 4.2059% | 3,019 |
| Efficiency ratio | 59.8724% | 6,066 |
| Assets per employee ($millions) | 3.6184% | 4,656 |
| Cash dividends to net income (ytd only)* | 24.4624% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9284% | 2,474 |
| Loan loss allowance to noncurrent loans | 74.0117% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.8542% | 3,549 |
| Noncurrent loans to loans | 2.6055% | 2,920 |
| Net loans and leases to total assets | 64.5910% | 3,747 |
| Net loans and leases to deposits | 78.1437% | 3,489 |
| Net loans and leases to core deposits | 81.1506% | 4,033 |
| Total domestic deposits to total assets | 82.6567% | 4,948 |
| Equity capital to assets | 9.5736% | 4,309 |
| Core capital (leverage) ratio | 9.1108% | 4,340 |
| Tier 1 risk-based capital ratio | 11.5322% | 5,877 |
| Total risk-based capital ratio | 12.7434% | 5,915 |
| Memoranda: | ||
| Average total assets | $79,409,800 | 5,611 |
| Average earning assets | $71,810,600 | 5,609 |
| Average equity | $7,209,000 | 5,960 |
| Average total loans | $55,035,000 | 5,272 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5444% | 2,276 |
| Cost of funding earning assets | 1.1238% | 5,292 |
| Net interest margin | 4.4206% | 1,462 |
| Noninterest income to average assets | 0.8568% | 1,970 |
| Noninterest expense to average assets | 2.8947% | 4,113 |
| Loan and lease loss provision to assets | 0.6855% | 2,227 |
| Net operating income to assets | 1.2466% | 1,473 |
| Return on assets (ROA) | 1.2466% | 1,557 |
| Pretax return on assets | 1.2483% | 2,342 |
| Return on Equity (ROE) | 13.9222% | 1,052 |
| Retained earnings to average equity (ytd only) | 9.8131% | 842 |
| Net charge-offs to loans | 0.6369% | 2,838 |
| Credit loss provision to net charge-offs | 153.3835% | 2,513 |
| Earnings coverage of net charge-offs (x) | 4.3270% | 3,098 |
| Efficiency ratio | 59.9513% | 5,968 |
| Assets per employee ($millions) | 3.7022% | 4,504 |
| Cash dividends to net income (ytd only)* | 29.5145% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 2,296 |
| Loan loss allowance to noncurrent loans | 49.6520% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 2.8426% | 2,550 |
| Noncurrent loans to loans | 3.9729% | 1,895 |
| Net loans and leases to total assets | 68.3911% | 3,124 |
| Net loans and leases to deposits | 83.4058% | 2,808 |
| Net loans and leases to core deposits | 84.1689% | 3,908 |
| Total domestic deposits to total assets | 81.9980% | 4,989 |
| Equity capital to assets | 9.5155% | 4,820 |
| Core capital (leverage) ratio | 8.9602% | 4,751 |
| Tier 1 risk-based capital ratio | 11.1712% | 6,218 |
| Total risk-based capital ratio | 12.4272% | 6,208 |
| Memoranda: | ||
| Average total assets | $79,361,250 | 5,679 |
| Average earning assets | $71,301,000 | 5,687 |
| Average equity | $7,106,000 | 6,076 |
| Average total loans | $55,686,750 | 5,322 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 2,193 |
| Cost of funding earning assets | 1.1642% | 5,316 |
| Net interest margin | 4.4205% | 1,391 |
| Noninterest income to average assets | 0.6834% | 2,799 |
| Noninterest expense to average assets | 2.8311% | 4,355 |
| Loan and lease loss provision to assets | 0.5081% | 2,765 |
| Net operating income to assets | 1.2766% | 1,371 |
| Return on assets (ROA) | 1.2766% | 1,427 |
| Pretax return on assets | 1.2791% | 2,155 |
| Return on Equity (ROE) | 14.5534% | 935 |
| Retained earnings to average equity (ytd only) | 11.5286% | 563 |
| Net charge-offs to loans | 0.0855% | 5,288 |
| Credit loss provision to net charge-offs | 845.8333% | 439 |
| Earnings coverage of net charge-offs (x) | 29.7500% | 928 |
| Efficiency ratio | 61.3008% | 5,810 |
| Assets per employee ($millions) | 3.5825% | 4,732 |
| Cash dividends to net income (ytd only)* | 20.7843% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0071% | 2,156 |
| Loan loss allowance to noncurrent loans | 48.6593% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 3.0019% | 2,377 |
| Noncurrent loans to loans | 4.1248% | 1,815 |
| Net loans and leases to total assets | 68.5736% | 3,229 |
| Net loans and leases to deposits | 81.7717% | 3,305 |
| Net loans and leases to core deposits | 82.5485% | 4,338 |
| Total domestic deposits to total assets | 83.8599% | 4,169 |
| Equity capital to assets | 9.1758% | 5,176 |
| Core capital (leverage) ratio | 8.6779% | 5,115 |
| Tier 1 risk-based capital ratio | 10.6529% | 6,562 |
| Total risk-based capital ratio | 11.9137% | 6,551 |
| Memoranda: | ||
| Average total assets | $79,899,330 | 5,703 |
| Average earning assets | $71,123,330 | 5,734 |
| Average equity | $7,008,670 | 6,136 |
| Average total loans | $56,168,330 | 5,349 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5482% | 2,369 |
| Cost of funding earning assets | 1.2054% | 5,374 |
| Net interest margin | 4.3428% | 1,557 |
| Noninterest income to average assets | 0.6812% | 2,727 |
| Noninterest expense to average assets | 2.7300% | 4,765 |
| Loan and lease loss provision to assets | 0.4823% | 2,571 |
| Net operating income to assets | 1.2978% | 1,304 |
| Return on assets (ROA) | 1.2978% | 1,370 |
| Pretax return on assets | 1.3028% | 2,040 |
| Return on Equity (ROE) | 15.1370% | 847 |
| Retained earnings to average equity (ytd only) | 15.1370% | 398 |
| Net charge-offs to loans | 0.1200% | 4,255 |
| Credit loss provision to net charge-offs | 570.5882% | 760 |
| Earnings coverage of net charge-offs (x) | 21.1176% | 1,134 |
| Efficiency ratio | 60.4626% | 6,086 |
| Assets per employee ($millions) | 3.4542% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 2,731 |
| Loan loss allowance to noncurrent loans | 42.6938% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 3.2349% | 2,221 |
| Noncurrent loans to loans | 4.2146% | 1,827 |
| Net loans and leases to total assets | 69.2424% | 3,098 |
| Net loans and leases to deposits | 82.1624% | 3,257 |
| Net loans and leases to core deposits | 82.9291% | 4,354 |
| Total domestic deposits to total assets | 84.2751% | 4,007 |
| Equity capital to assets | 8.8172% | 5,516 |
| Core capital (leverage) ratio | 8.3490% | 5,641 |
| Tier 1 risk-based capital ratio | 10.2910% | 6,813 |
| Total risk-based capital ratio | 11.4112% | 6,913 |
| Memoranda: | ||
| Average total assets | $80,441,000 | 5,756 |
| Average earning assets | $71,014,000 | 5,816 |
| Average equity | $6,897,000 | 6,228 |
| Average total loans | $56,675,500 | 5,395 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9415% | 2,083 |
| Cost of funding earning assets | 1.5691% | 5,187 |
| Net interest margin | 4.3724% | 1,508 |
| Noninterest income to average assets | 0.7500% | 2,679 |
| Noninterest expense to average assets | 2.8434% | 4,773 |
| Loan and lease loss provision to assets | 1.0669% | 2,146 |
| Net operating income to assets | 0.8354% | 2,399 |
| Return on assets (ROA) | 0.7695% | 2,732 |
| Pretax return on assets | 0.7748% | 3,324 |
| Return on Equity (ROE) | 9.0338% | 2,015 |
| Retained earnings to average equity (ytd only) | 3.7360% | 2,587 |
| Net charge-offs to loans | 1.1850% | 2,072 |
| Credit loss provision to net charge-offs | 116.6904% | 4,646 |
| Earnings coverage of net charge-offs (x) | 2.0870% | 4,170 |
| Efficiency ratio | 59.8408% | 6,511 |
| Assets per employee ($millions) | 3.5407% | 4,916 |
| Cash dividends to net income (ytd only)* | 58.6441% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 3,205 |
| Loan loss allowance to noncurrent loans | 36.5498% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 3.1178% | 2,221 |
| Noncurrent loans to loans | 4.4286% | 1,611 |
| Net loans and leases to total assets | 69.2626% | 3,423 |
| Net loans and leases to deposits | 81.5275% | 3,692 |
| Net loans and leases to core deposits | 100.1901% | 3,976 |
| Total domestic deposits to total assets | 84.9561% | 3,568 |
| Equity capital to assets | 8.3367% | 6,146 |
| Core capital (leverage) ratio | 8.3041% | 5,606 |
| Tier 1 risk-based capital ratio | 9.7702% | 7,044 |
| Total risk-based capital ratio | 11.0224% | 7,030 |
| Memoranda: | ||
| Average total assets | $76,668,200 | 5,818 |
| Average earning assets | $70,167,800 | 5,807 |
| Average equity | $6,531,000 | 6,412 |
| Average total loans | $59,155,800 | 5,291 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0042% | 2,022 |
| Cost of funding earning assets | 1.6611% | 5,101 |
| Net interest margin | 4.3431% | 1,607 |
| Noninterest income to average assets | 0.6518% | 3,336 |
| Noninterest expense to average assets | 3.0013% | 4,038 |
| Loan and lease loss provision to assets | 0.6624% | 2,757 |
| Net operating income to assets | 1.0095% | 2,020 |
| Return on assets (ROA) | 0.9204% | 2,418 |
| Pretax return on assets | 0.9257% | 3,147 |
| Return on Equity (ROE) | 10.7423% | 1,693 |
| Retained earnings to average equity (ytd only) | 3.6083% | 3,268 |
| Net charge-offs to loans | 0.8320% | 2,300 |
| Credit loss provision to net charge-offs | 100.8065% | 5,040 |
| Earnings coverage of net charge-offs (x) | 2.5538% | 3,949 |
| Efficiency ratio | 64.1374% | 5,724 |
| Assets per employee ($millions) | 3.2254% | 5,586 |
| Cash dividends to net income (ytd only)* | 66.4104% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 3,951 |
| Loan loss allowance to noncurrent loans | 58.0599% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.9910% | 3,358 |
| Noncurrent loans to loans | 2.4106% | 3,125 |
| Net loans and leases to total assets | 77.3013% | 1,721 |
| Net loans and leases to deposits | 93.6445% | 1,940 |
| Net loans and leases to core deposits | 115.2892% | 2,695 |
| Total domestic deposits to total assets | 82.5477% | 4,420 |
| Equity capital to assets | 9.0315% | 5,441 |
| Core capital (leverage) ratio | 8.3730% | 5,705 |
| Tier 1 risk-based capital ratio | 9.7307% | 7,215 |
| Total risk-based capital ratio | 10.9825% | 7,170 |
| Memoranda: | ||
| Average total assets | $75,476,500 | 5,892 |
| Average earning assets | $69,993,500 | 5,844 |
| Average equity | $6,466,500 | 6,498 |
| Average total loans | $59,611,750 | 5,304 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0171% | 2,120 |
| Cost of funding earning assets | 1.7367% | 5,080 |
| Net interest margin | 4.2803% | 1,703 |
| Noninterest income to average assets | 0.6561% | 3,297 |
| Noninterest expense to average assets | 3.0775% | 3,784 |
| Loan and lease loss provision to assets | 0.3952% | 3,546 |
| Net operating income to assets | 1.1184% | 1,709 |
| Return on assets (ROA) | 0.9854% | 2,259 |
| Pretax return on assets | 0.9907% | 3,047 |
| Return on Equity (ROE) | 11.7082% | 1,505 |
| Retained earnings to average equity (ytd only) | 3.2245% | 3,523 |
| Net charge-offs to loans | 0.3861% | 3,271 |
| Credit loss provision to net charge-offs | 129.3103% | 3,597 |
| Earnings coverage of net charge-offs (x) | 4.9741% | 2,942 |
| Efficiency ratio | 66.9341% | 5,379 |
| Assets per employee ($millions) | 3.3064% | 5,301 |
| Cash dividends to net income (ytd only)* | 72.4599% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 3,577 |
| Loan loss allowance to noncurrent loans | 56.9117% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.0487% | 3,131 |
| Noncurrent loans to loans | 2.5121% | 2,880 |
| Net loans and leases to total assets | 76.5188% | 2,051 |
| Net loans and leases to deposits | 91.0002% | 2,656 |
| Net loans and leases to core deposits | 102.9966% | 4,179 |
| Total domestic deposits to total assets | 84.0864% | 3,714 |
| Equity capital to assets | 8.5446% | 5,983 |
| Core capital (leverage) ratio | 8.2433% | 5,899 |
| Tier 1 risk-based capital ratio | 9.3884% | 7,484 |
| Total risk-based capital ratio | 10.6386% | 7,453 |
| Memoranda: | ||
| Average total assets | $75,907,000 | 5,923 |
| Average earning assets | $69,901,330 | 5,890 |
| Average equity | $6,388,670 | 6,577 |
| Average total loans | $60,095,670 | 5,328 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0189% | 2,282 |
| Cost of funding earning assets | 1.8097% | 5,071 |
| Net interest margin | 4.2092% | 1,863 |
| Noninterest income to average assets | 0.5644% | 3,801 |
| Noninterest expense to average assets | 2.8008% | 4,557 |
| Loan and lease loss provision to assets | 0.3323% | 3,332 |
| Net operating income to assets | 1.3081% | 1,357 |
| Return on assets (ROA) | 1.0338% | 2,318 |
| Pretax return on assets | 1.0338% | 3,231 |
| Return on Equity (ROE) | 12.3776% | 1,546 |
| Retained earnings to average equity (ytd only) | 2.5892% | 4,438 |
| Net charge-offs to loans | 0.0528% | 4,731 |
| Credit loss provision to net charge-offs | 787.5000% | 760 |
| Earnings coverage of net charge-offs (x) | 38.8750% | 872 |
| Efficiency ratio | 63.0641% | 5,862 |
| Assets per employee ($millions) | 3.4748% | 4,879 |
| Cash dividends to net income (ytd only)* | 79.0816% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 3,367 |
| Loan loss allowance to noncurrent loans | 50.8216% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.2291% | 2,572 |
| Noncurrent loans to loans | 2.8021% | 2,338 |
| Net loans and leases to total assets | 78.4159% | 1,715 |
| Net loans and leases to deposits | 92.9510% | 2,442 |
| Net loans and leases to core deposits | 102.7194% | 4,267 |
| Total domestic deposits to total assets | 84.3626% | 3,526 |
| Equity capital to assets | 8.3995% | 6,236 |
| Core capital (leverage) ratio | 7.9764% | 6,496 |
| Tier 1 risk-based capital ratio | 9.2261% | 7,651 |
| Total risk-based capital ratio | 10.4760% | 7,641 |
| Memoranda: | ||
| Average total assets | $75,836,500 | 5,951 |
| Average earning assets | $69,846,500 | 5,918 |
| Average equity | $6,334,000 | 6,648 |
| Average total loans | $60,626,000 | 5,339 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7466% | 1,880 |
| Cost of funding earning assets | 2.2420% | 5,409 |
| Net interest margin | 4.5046% | 1,407 |
| Noninterest income to average assets | 0.8201% | 2,402 |
| Noninterest expense to average assets | 2.6919% | 5,303 |
| Loan and lease loss provision to assets | 0.3229% | 3,791 |
| Net operating income to assets | 1.9944% | 358 |
| Return on assets (ROA) | 1.9930% | 341 |
| Pretax return on assets | 1.9971% | 610 |
| Return on Equity (ROE) | 24.5692% | 151 |
| Retained earnings to average equity (ytd only) | 9.4381% | 530 |
| Net charge-offs to loans | 0.3115% | 3,307 |
| Credit loss provision to net charge-offs | 128.8043% | 4,140 |
| Earnings coverage of net charge-offs (x) | 9.2609% | 2,720 |
| Efficiency ratio | 53.6957% | 7,303 |
| Assets per employee ($millions) | 3.4195% | 4,884 |
| Cash dividends to net income (ytd only)* | 61.5858% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 3,524 |
| Loan loss allowance to noncurrent loans | 105.1881% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.2495% | 3,724 |
| Noncurrent loans to loans | 1.2756% | 3,957 |
| Net loans and leases to total assets | 79.2657% | 1,821 |
| Net loans and leases to deposits | 92.8816% | 2,977 |
| Net loans and leases to core deposits | 103.1072% | 4,496 |
| Total domestic deposits to total assets | 85.3406% | 2,689 |
| Equity capital to assets | 8.3041% | 6,416 |
| Core capital (leverage) ratio | 8.3825% | 5,796 |
| Tier 1 risk-based capital ratio | 9.0303% | 7,760 |
| Total risk-based capital ratio | 10.2211% | 7,803 |
| Memoranda: | ||
| Average total assets | $73,406,200 | 5,926 |
| Average earning assets | $68,330,600 | 5,883 |
| Average equity | $5,954,600 | 6,825 |
| Average total loans | $59,071,600 | 5,309 |