Home > First Community Bank of Hillsboro > Performance and Condition Ratios
First Community Bank of Hillsboro, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3931% | 4,433 |
| Cost of funding earning assets | 1.4137% | 2,194 |
| Net interest margin | 1.9794% | 4,418 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 1.7663% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5043% | 3,660 |
| Return on assets (ROA) | 0.5043% | 3,658 |
| Pretax return on assets | 0.5043% | 3,797 |
| Return on Equity (ROE) | 9.4900% | 2,639 |
| Retained earnings to average equity (ytd only) | 5.2783% | 2,495 |
| Net charge-offs to loans | 0.0300% | 1,705 |
| Credit loss provision to net charge-offs | 23.8095% | 2,292 |
| Earnings coverage of net charge-offs (x) | 35.8571% | 1,514 |
| Efficiency ratio | 77.6757% | 1,099 |
| Assets per employee ($millions) | 6.4695% | 2,437 |
| Cash dividends to net income (ytd only)* | 44.3850% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 3,416 |
| Loan loss allowance to noncurrent loans | 17,925.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,821 |
| Noncurrent loans to loans | 0.0055% | 3,737 |
| Net loans and leases to total assets | 48.7400% | 3,681 |
| Net loans and leases to deposits | 69.6831% | 2,909 |
| Net loans and leases to core deposits | 80.0934% | 2,698 |
| Total domestic deposits to total assets | 69.9500% | 4,292 |
| Equity capital to assets | 6.2621% | 4,177 |
| Core capital (leverage) ratio | 9.2229% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $148,333,400 | 3,380 |
| Average earning assets | $141,759,200 | 3,329 |
| Average equity | $7,881,400 | 3,944 |
| Average total loans | $69,938,400 | 3,548 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2565% | 4,469 |
| Cost of funding earning assets | 1.1678% | 2,535 |
| Net interest margin | 2.0887% | 4,414 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.7739% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5784% | 3,601 |
| Return on assets (ROA) | 0.5784% | 3,584 |
| Pretax return on assets | 0.5973% | 3,736 |
| Return on Equity (ROE) | 11.4000% | 2,278 |
| Retained earnings to average equity (ytd only) | 7.0367% | 2,271 |
| Net charge-offs to loans | 0.0116% | 1,977 |
| Credit loss provision to net charge-offs | 83.3333% | 1,739 |
| Earnings coverage of net charge-offs (x) | 111.5000% | 875 |
| Efficiency ratio | 74.6687% | 1,301 |
| Assets per employee ($millions) | 6.8610% | 2,061 |
| Cash dividends to net income (ytd only)* | 38.2582% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,184 |
| Loan loss allowance to noncurrent loans | 605.7851% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,081 |
| Noncurrent loans to loans | 0.1708% | 2,684 |
| Net loans and leases to total assets | 44.4200% | 3,899 |
| Net loans and leases to deposits | 63.0771% | 3,321 |
| Net loans and leases to core deposits | 71.8157% | 3,112 |
| Total domestic deposits to total assets | 70.4200% | 4,312 |
| Equity capital to assets | 5.0113% | 4,250 |
| Core capital (leverage) ratio | 9.0522% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $148,217,000 | 3,390 |
| Average earning assets | $142,032,000 | 3,329 |
| Average equity | $7,522,250 | 3,992 |
| Average total loans | $69,111,000 | 3,576 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0610% | 4,535 |
| Cost of funding earning assets | 0.8591% | 3,048 |
| Net interest margin | 2.2018% | 4,423 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.8232% | 3,955 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.6192% | 3,534 |
| Return on assets (ROA) | 0.6192% | 3,538 |
| Pretax return on assets | 0.6440% | 3,715 |
| Return on Equity (ROE) | 12.1500% | 2,104 |
| Retained earnings to average equity (ytd only) | 6.1674% | 2,559 |
| Net charge-offs to loans | 0.0175% | 1,564 |
| Credit loss provision to net charge-offs | 83.3333% | 1,536 |
| Earnings coverage of net charge-offs (x) | 78.6667% | 1,061 |
| Efficiency ratio | 73.6901% | 1,380 |
| Assets per employee ($millions) | 6.3154% | 2,459 |
| Cash dividends to net income (ytd only)* | 49.2205% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,173 |
| Loan loss allowance to noncurrent loans | 1,464.0000% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,441 |
| Noncurrent loans to loans | 0.0719% | 3,185 |
| Net loans and leases to total assets | 47.4000% | 3,718 |
| Net loans and leases to deposits | 64.4858% | 3,165 |
| Net loans and leases to core deposits | 65.1646% | 3,391 |
| Total domestic deposits to total assets | 73.5000% | 4,226 |
| Equity capital to assets | 5.2419% | 4,338 |
| Core capital (leverage) ratio | 9.6589% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $145,021,667 | 3,427 |
| Average earning assets | $138,976,000 | 3,377 |
| Average equity | $7,393,667 | 4,029 |
| Average total loans | $68,540,333 | 3,591 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8957% | 4,579 |
| Cost of funding earning assets | 0.8224% | 2,643 |
| Net interest margin | 2.0733% | 4,542 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.8026% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5079% | 3,878 |
| Return on assets (ROA) | 0.5079% | 3,841 |
| Pretax return on assets | 0.5328% | 3,945 |
| Return on Equity (ROE) | 10.1100% | 2,753 |
| Retained earnings to average equity (ytd only) | 2.5263% | 3,597 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.1868% | 1,075 |
| Assets per employee ($millions) | 6.2874% | 2,513 |
| Cash dividends to net income (ytd only)* | 75.0000% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,045 |
| Loan loss allowance to noncurrent loans | 2,036.1111% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,534 |
| Noncurrent loans to loans | 0.0541% | 3,350 |
| Net loans and leases to total assets | 45.5200% | 3,797 |
| Net loans and leases to deposits | 52.9451% | 3,740 |
| Net loans and leases to core deposits | 53.4190% | 3,855 |
| Total domestic deposits to total assets | 85.9700% | 2,599 |
| Equity capital to assets | 5.2915% | 4,374 |
| Core capital (leverage) ratio | 9.4858% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $144,905,500 | 3,474 |
| Average earning assets | $139,105,000 | 3,416 |
| Average equity | $7,283,500 | 4,087 |
| Average total loans | $68,021,000 | 3,640 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5263% | 4,494 |
| Cost of funding earning assets | 0.3609% | 2,393 |
| Net interest margin | 2.1654% | 4,491 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.6715% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7121% | 3,579 |
| Return on assets (ROA) | 0.7115% | 3,529 |
| Pretax return on assets | 0.7799% | 3,671 |
| Return on Equity (ROE) | 12.4800% | 1,983 |
| Retained earnings to average equity (ytd only) | 4.8651% | 3,109 |
| Net charge-offs to loans | 0.0429% | 1,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 40.7143% | 1,494 |
| Efficiency ratio | 68.1653% | 1,941 |
| Assets per employee ($millions) | 6.9143% | 2,029 |
| Cash dividends to net income (ytd only)* | 61.0202% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 2,594 |
| Loan loss allowance to noncurrent loans | 2,064.1026% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,550 |
| Noncurrent loans to loans | 0.0561% | 3,356 |
| Net loans and leases to total assets | 47.3000% | 3,720 |
| Net loans and leases to deposits | 56.6910% | 3,532 |
| Net loans and leases to core deposits | 56.9307% | 3,680 |
| Total domestic deposits to total assets | 83.4300% | 3,327 |
| Equity capital to assets | 4.7624% | 4,421 |
| Core capital (leverage) ratio | 9.2818% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $146,038,000 | 3,481 |
| Average earning assets | $141,036,400 | 3,408 |
| Average equity | $8,324,600 | 4,065 |
| Average total loans | $65,241,400 | 3,656 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4462% | 4,474 |
| Cost of funding earning assets | 0.3156% | 2,007 |
| Net interest margin | 2.1307% | 4,504 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.6602% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6362% | 3,733 |
| Return on assets (ROA) | 0.6354% | 3,688 |
| Pretax return on assets | 0.7594% | 3,671 |
| Return on Equity (ROE) | 10.7100% | 2,503 |
| Retained earnings to average equity (ytd only) | 2.2281% | 3,972 |
| Net charge-offs to loans | 0.0021% | 2,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 834.0000% | 194 |
| Efficiency ratio | 68.5876% | 1,944 |
| Assets per employee ($millions) | 6.9443% | 1,988 |
| Cash dividends to net income (ytd only)* | 79.1966% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,313 |
| Loan loss allowance to noncurrent loans | 1,188.5714% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,421 |
| Noncurrent loans to loans | 0.1044% | 3,133 |
| Net loans and leases to total assets | 45.3900% | 3,798 |
| Net loans and leases to deposits | 48.8260% | 3,919 |
| Net loans and leases to core deposits | 49.1133% | 3,992 |
| Total domestic deposits to total assets | 92.9600% | 588 |
| Equity capital to assets | 4.3777% | 4,427 |
| Core capital (leverage) ratio | 8.9573% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6900% | 1,050 |
| Memoranda: | ||
| Average total assets | $146,247,250 | 3,500 |
| Average earning assets | $141,546,750 | 3,430 |
| Average equity | $8,677,000 | 4,069 |
| Average total loans | $64,180,500 | 3,687 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3749% | 4,470 |
| Cost of funding earning assets | 0.2949% | 1,764 |
| Net interest margin | 2.0800% | 4,520 |
| Noninterest income to average assets | 0.3443% | 3,088 |
| Noninterest expense to average assets | 1.6614% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5394% | 3,798 |
| Return on assets (ROA) | 0.5383% | 3,753 |
| Pretax return on assets | 0.6954% | 3,586 |
| Return on Equity (ROE) | 8.3463% | 2,915 |
| Retained earnings to average equity (ytd only) | -1.9065% | 4,377 |
| Net charge-offs to loans | 0.0032% | 1,946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 510.0000% | 255 |
| Efficiency ratio | 70.4519% | 1,895 |
| Assets per employee ($millions) | 6.8265% | 2,051 |
| Cash dividends to net income (ytd only)* | 122.8426% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,160 |
| Loan loss allowance to noncurrent loans | 1,109.3333% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,492 |
| Noncurrent loans to loans | 0.1178% | 3,142 |
| Net loans and leases to total assets | 41.8449% | 3,985 |
| Net loans and leases to deposits | 46.9395% | 3,989 |
| Net loans and leases to core deposits | 47.2178% | 4,069 |
| Total domestic deposits to total assets | 89.1466% | 2,112 |
| Equity capital to assets | 4.7229% | 4,529 |
| Core capital (leverage) ratio | 8.9299% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,386,333 | 3,539 |
| Average earning assets | $141,732,667 | 3,480 |
| Average equity | $9,441,333 | 4,053 |
| Average total loans | $63,232,667 | 3,738 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3550% | 4,411 |
| Cost of funding earning assets | 0.2829% | 1,790 |
| Net interest margin | 2.0720% | 4,468 |
| Noninterest income to average assets | 0.3433% | 3,040 |
| Noninterest expense to average assets | 1.6693% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4679% | 3,795 |
| Return on assets (ROA) | 0.4679% | 3,759 |
| Pretax return on assets | 0.6810% | 3,440 |
| Return on Equity (ROE) | 6.3680% | 3,231 |
| Retained earnings to average equity (ytd only) | -8.7796% | 4,540 |
| Net charge-offs to loans | 0.0190% | 1,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 739 |
| Efficiency ratio | 71.0247% | 2,098 |
| Assets per employee ($millions) | 6.3335% | 2,521 |
| Cash dividends to net income (ytd only)* | 237.8698% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 2,122 |
| Loan loss allowance to noncurrent loans | 1,079.2208% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,513 |
| Noncurrent loans to loans | 0.1249% | 3,197 |
| Net loans and leases to total assets | 41.7454% | 3,896 |
| Net loans and leases to deposits | 48.9232% | 3,820 |
| Net loans and leases to core deposits | 49.2337% | 3,908 |
| Total domestic deposits to total assets | 85.3286% | 3,462 |
| Equity capital to assets | 6.2614% | 4,510 |
| Core capital (leverage) ratio | 8.7890% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,488,000 | 3,571 |
| Average earning assets | $139,960,500 | 3,503 |
| Average equity | $10,615,500 | 3,994 |
| Average total loans | $63,011,000 | 3,744 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9057% | 4,044 |
| Cost of funding earning assets | 0.3262% | 2,152 |
| Net interest margin | 2.5795% | 4,078 |
| Noninterest income to average assets | 0.3678% | 3,232 |
| Noninterest expense to average assets | 1.7149% | 4,274 |
| Loan and lease loss provision to assets | 0.0399% | 2,243 |
| Net operating income to assets | 1.0882% | 2,343 |
| Return on assets (ROA) | 1.0882% | 2,412 |
| Pretax return on assets | 1.1027% | 2,959 |
| Return on Equity (ROE) | 13.1062% | 1,426 |
| Retained earnings to average equity (ytd only) | 7.6540% | 1,677 |
| Net charge-offs to loans | -0.0073% | 3,649 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0152% | 3,144 |
| Assets per employee ($millions) | 6.5139% | 2,323 |
| Cash dividends to net income (ytd only)* | 41.6000% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,378 |
| Loan loss allowance to noncurrent loans | 887.2340% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,513 |
| Noncurrent loans to loans | 0.1460% | 3,208 |
| Net loans and leases to total assets | 44.3432% | 3,819 |
| Net loans and leases to deposits | 54.9250% | 3,523 |
| Net loans and leases to core deposits | 55.1777% | 3,681 |
| Total domestic deposits to total assets | 80.7341% | 4,138 |
| Equity capital to assets | 8.4505% | 4,079 |
| Core capital (leverage) ratio | 9.1278% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,848,400 | 3,600 |
| Average earning assets | $133,048,000 | 3,540 |
| Average equity | $11,445,000 | 3,984 |
| Average total loans | $68,143,000 | 3,681 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0304% | 3,945 |
| Cost of funding earning assets | 0.3354% | 2,245 |
| Net interest margin | 2.6950% | 3,990 |
| Noninterest income to average assets | 0.3741% | 3,238 |
| Noninterest expense to average assets | 1.7203% | 4,297 |
| Loan and lease loss provision to assets | 0.0535% | 1,913 |
| Net operating income to assets | 1.1840% | 2,223 |
| Return on assets (ROA) | 1.1840% | 2,279 |
| Pretax return on assets | 1.1986% | 2,937 |
| Return on Equity (ROE) | 14.3275% | 1,308 |
| Retained earnings to average equity (ytd only) | 7.6248% | 2,171 |
| Net charge-offs to loans | -0.0019% | 3,212 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8705% | 3,282 |
| Assets per employee ($millions) | 6.2619% | 2,447 |
| Cash dividends to net income (ytd only)* | 46.7822% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,822 |
| Loan loss allowance to noncurrent loans | 864.5833% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,660 |
| Noncurrent loans to loans | 0.1429% | 3,398 |
| Net loans and leases to total assets | 46.0805% | 3,786 |
| Net loans and leases to deposits | 55.9417% | 3,584 |
| Net loans and leases to core deposits | 56.1923% | 3,758 |
| Total domestic deposits to total assets | 82.3724% | 3,850 |
| Equity capital to assets | 8.1091% | 4,462 |
| Core capital (leverage) ratio | 8.2914% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,484,250 | 3,657 |
| Average earning assets | $131,596,250 | 3,602 |
| Average equity | $11,278,750 | 4,060 |
| Average total loans | $69,083,750 | 3,716 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2757% | 3,493 |
| Cost of funding earning assets | 0.3457% | 2,355 |
| Net interest margin | 2.9300% | 3,502 |
| Noninterest income to average assets | 0.3777% | 3,226 |
| Noninterest expense to average assets | 1.7123% | 4,345 |
| Loan and lease loss provision to assets | 0.0597% | 1,835 |
| Net operating income to assets | 1.4122% | 1,530 |
| Return on assets (ROA) | 1.4122% | 1,597 |
| Pretax return on assets | 1.4272% | 2,250 |
| Return on Equity (ROE) | 16.9757% | 785 |
| Retained earnings to average equity (ytd only) | 9.6004% | 1,527 |
| Net charge-offs to loans | -0.0029% | 3,274 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5231% | 3,862 |
| Assets per employee ($millions) | 6.2804% | 2,353 |
| Cash dividends to net income (ytd only)* | 43.4461% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,057 |
| Loan loss allowance to noncurrent loans | 452.7778% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 3,404 |
| Noncurrent loans to loans | 0.2603% | 3,009 |
| Net loans and leases to total assets | 47.3119% | 3,798 |
| Net loans and leases to deposits | 57.2993% | 3,613 |
| Net loans and leases to core deposits | 57.5536% | 3,792 |
| Total domestic deposits to total assets | 82.5697% | 3,800 |
| Equity capital to assets | 7.8463% | 4,606 |
| Core capital (leverage) ratio | 8.7177% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,971,000 | 3,694 |
| Average earning assets | $129,012,333 | 3,638 |
| Average equity | $11,145,333 | 4,082 |
| Average total loans | $69,712,667 | 3,730 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 2,350 |
| Cost of funding earning assets | 0.3629% | 2,420 |
| Net interest margin | 3.3399% | 2,276 |
| Noninterest income to average assets | 0.3604% | 3,283 |
| Noninterest expense to average assets | 1.7245% | 4,333 |
| Loan and lease loss provision to assets | 0.0621% | 1,889 |
| Net operating income to assets | 1.7898% | 803 |
| Return on assets (ROA) | 1.7898% | 857 |
| Pretax return on assets | 1.8053% | 1,281 |
| Return on Equity (ROE) | 20.8488% | 478 |
| Retained earnings to average equity (ytd only) | 7.9631% | 2,251 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0104% | 4,339 |
| Assets per employee ($millions) | 6.3436% | 2,298 |
| Cash dividends to net income (ytd only)* | 61.8056% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 3,207 |
| Loan loss allowance to noncurrent loans | 404.5918% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 3,435 |
| Noncurrent loans to loans | 0.2834% | 3,085 |
| Net loans and leases to total assets | 51.3114% | 3,508 |
| Net loans and leases to deposits | 63.5205% | 3,168 |
| Net loans and leases to core deposits | 64.1494% | 3,398 |
| Total domestic deposits to total assets | 80.7793% | 4,097 |
| Equity capital to assets | 8.1807% | 4,374 |
| Core capital (leverage) ratio | 8.8807% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,731,500 | 3,752 |
| Average earning assets | $124,553,500 | 3,685 |
| Average equity | $11,051,000 | 4,104 |
| Average total loans | $69,990,500 | 3,737 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2915% | 4,343 |
| Cost of funding earning assets | 0.4670% | 3,174 |
| Net interest margin | 2.8245% | 4,228 |
| Noninterest income to average assets | 0.4098% | 3,046 |
| Noninterest expense to average assets | 1.8263% | 4,433 |
| Loan and lease loss provision to assets | 0.1383% | 2,630 |
| Net operating income to assets | 1.1517% | 1,714 |
| Return on assets (ROA) | 1.1625% | 1,795 |
| Pretax return on assets | 1.1784% | 2,406 |
| Return on Equity (ROE) | 12.7681% | 1,101 |
| Retained earnings to average equity (ytd only) | 6.5452% | 1,572 |
| Net charge-offs to loans | 0.0090% | 3,006 |
| Credit loss provision to net charge-offs | 2,750.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 259.6667% | 388 |
| Efficiency ratio | 58.3088% | 3,683 |
| Assets per employee ($millions) | 5.6476% | 2,689 |
| Cash dividends to net income (ytd only)* | 48.7383% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 3,503 |
| Loan loss allowance to noncurrent loans | 328.9362% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 3,338 |
| Noncurrent loans to loans | 0.3318% | 3,018 |
| Net loans and leases to total assets | 56.3877% | 3,260 |
| Net loans and leases to deposits | 70.9174% | 2,782 |
| Net loans and leases to core deposits | 71.6792% | 3,108 |
| Total domestic deposits to total assets | 79.5118% | 4,138 |
| Equity capital to assets | 9.0175% | 4,037 |
| Core capital (leverage) ratio | 8.9504% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,313,800 | 3,758 |
| Average earning assets | $114,994,600 | 3,690 |
| Average equity | $10,863,000 | 4,096 |
| Average total loans | $66,583,400 | 3,800 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 4,195 |
| Cost of funding earning assets | 0.4873% | 3,312 |
| Net interest margin | 3.0221% | 3,925 |
| Noninterest income to average assets | 0.4008% | 3,073 |
| Noninterest expense to average assets | 1.8213% | 4,456 |
| Loan and lease loss provision to assets | 0.1465% | 2,557 |
| Net operating income to assets | 1.3314% | 1,282 |
| Return on assets (ROA) | 1.3459% | 1,338 |
| Pretax return on assets | 1.3606% | 1,853 |
| Return on Equity (ROE) | 14.7461% | 737 |
| Retained earnings to average equity (ytd only) | 7.0514% | 1,666 |
| Net charge-offs to loans | 0.0041% | 3,014 |
| Credit loss provision to net charge-offs | 6,500.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 661.0000% | 184 |
| Efficiency ratio | 54.9574% | 4,043 |
| Assets per employee ($millions) | 6.1083% | 2,169 |
| Cash dividends to net income (ytd only)* | 52.1812% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,148 |
| Loan loss allowance to noncurrent loans | 639.6552% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 4,001 |
| Noncurrent loans to loans | 0.1736% | 3,690 |
| Net loans and leases to total assets | 49.1610% | 4,140 |
| Net loans and leases to deposits | 61.2168% | 3,979 |
| Net loans and leases to core deposits | 61.8160% | 4,123 |
| Total domestic deposits to total assets | 80.3063% | 3,799 |
| Equity capital to assets | 8.3039% | 4,575 |
| Core capital (leverage) ratio | 8.6733% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,080,500 | 3,764 |
| Average earning assets | $113,826,000 | 3,701 |
| Average equity | $10,777,750 | 4,113 |
| Average total loans | $65,521,000 | 3,834 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 3,948 |
| Cost of funding earning assets | 0.5307% | 3,346 |
| Net interest margin | 3.2396% | 3,558 |
| Noninterest income to average assets | 0.4013% | 3,067 |
| Noninterest expense to average assets | 1.8909% | 4,434 |
| Loan and lease loss provision to assets | 0.1509% | 2,496 |
| Net operating income to assets | 1.4543% | 1,010 |
| Return on assets (ROA) | 1.4754% | 1,054 |
| Pretax return on assets | 1.4914% | 1,472 |
| Return on Equity (ROE) | 15.6047% | 623 |
| Retained earnings to average equity (ytd only) | 6.9291% | 1,690 |
| Net charge-offs to loans | 0.0123% | 2,526 |
| Credit loss provision to net charge-offs | 2,125.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 228.2500% | 398 |
| Efficiency ratio | 53.8423% | 4,198 |
| Assets per employee ($millions) | 5.9665% | 2,214 |
| Cash dividends to net income (ytd only)* | 55.5957% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,440 |
| Loan loss allowance to noncurrent loans | 594.0171% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,086 |
| Noncurrent loans to loans | 0.1726% | 3,757 |
| Net loans and leases to total assets | 51.1268% | 4,087 |
| Net loans and leases to deposits | 64.2041% | 3,865 |
| Net loans and leases to core deposits | 64.8500% | 4,030 |
| Total domestic deposits to total assets | 79.6316% | 3,909 |
| Equity capital to assets | 8.3718% | 4,551 |
| Core capital (leverage) ratio | 9.3785% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,646,333 | 3,824 |
| Average earning assets | $108,163,000 | 3,769 |
| Average equity | $10,650,667 | 4,146 |
| Average total loans | $65,092,667 | 3,850 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9351% | 3,968 |
| Cost of funding earning assets | 0.6316% | 3,263 |
| Net interest margin | 3.3035% | 3,584 |
| Noninterest income to average assets | 0.4180% | 2,985 |
| Noninterest expense to average assets | 2.0631% | 4,289 |
| Loan and lease loss provision to assets | 0.0968% | 2,476 |
| Net operating income to assets | 1.3977% | 985 |
| Return on assets (ROA) | 1.4361% | 984 |
| Pretax return on assets | 1.4554% | 1,424 |
| Return on Equity (ROE) | 14.1583% | 666 |
| Retained earnings to average equity (ytd only) | -1.4120% | 4,192 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6840% | 4,041 |
| Assets per employee ($millions) | 4.8165% | 2,857 |
| Cash dividends to net income (ytd only)* | 109.9730% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 3,667 |
| Loan loss allowance to noncurrent loans | 522.9508% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 3,985 |
| Noncurrent loans to loans | 0.1927% | 3,787 |
| Net loans and leases to total assets | 61.9678% | 3,300 |
| Net loans and leases to deposits | 71.8834% | 3,436 |
| Net loans and leases to core deposits | 72.7486% | 3,715 |
| Total domestic deposits to total assets | 86.2061% | 1,915 |
| Equity capital to assets | 10.3840% | 3,436 |
| Core capital (leverage) ratio | 10.2159% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,338,500 | 3,942 |
| Average earning assets | $98,804,000 | 3,891 |
| Average equity | $10,481,500 | 4,183 |
| Average total loans | $63,736,500 | 3,888 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 4,439 |
| Cost of funding earning assets | 0.6764% | 3,276 |
| Net interest margin | 3.2200% | 4,146 |
| Noninterest income to average assets | 0.5019% | 2,728 |
| Noninterest expense to average assets | 2.1527% | 4,261 |
| Loan and lease loss provision to assets | 0.0849% | 2,307 |
| Net operating income to assets | 1.3416% | 1,537 |
| Return on assets (ROA) | 1.3565% | 1,563 |
| Pretax return on assets | 1.3735% | 2,254 |
| Return on Equity (ROE) | 14.7964% | 733 |
| Retained earnings to average equity (ytd only) | 8.6947% | 788 |
| Net charge-offs to loans | 0.0951% | 1,775 |
| Credit loss provision to net charge-offs | 145.1613% | 1,768 |
| Earnings coverage of net charge-offs (x) | 24.6774% | 1,765 |
| Efficiency ratio | 56.7156% | 4,122 |
| Assets per employee ($millions) | 5.0253% | 2,563 |
| Cash dividends to net income (ytd only)* | 41.2378% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,713 |
| Loan loss allowance to noncurrent loans | 487.3016% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 4,041 |
| Noncurrent loans to loans | 0.1964% | 3,753 |
| Net loans and leases to total assets | 60.2126% | 3,569 |
| Net loans and leases to deposits | 71.1050% | 3,582 |
| Net loans and leases to core deposits | 74.6309% | 3,666 |
| Total domestic deposits to total assets | 84.6813% | 2,614 |
| Equity capital to assets | 9.9118% | 3,999 |
| Core capital (leverage) ratio | 9.3086% | 4,268 |
| Tier 1 risk-based capital ratio | 16.4511% | 2,235 |
| Total risk-based capital ratio | 17.4103% | 2,296 |
| Memoranda: | ||
| Average total assets | $106,005,200 | 3,893 |
| Average earning assets | $101,864,600 | 3,839 |
| Average equity | $9,718,600 | 4,274 |
| Average total loans | $65,195,400 | 3,882 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 4,627 |
| Cost of funding earning assets | 0.6905% | 3,260 |
| Net interest margin | 3.1466% | 4,410 |
| Noninterest income to average assets | 0.4812% | 2,844 |
| Noninterest expense to average assets | 2.0479% | 4,456 |
| Loan and lease loss provision to assets | 0.0628% | 2,638 |
| Net operating income to assets | 1.3747% | 1,552 |
| Return on assets (ROA) | 1.3946% | 1,552 |
| Pretax return on assets | 1.4134% | 2,254 |
| Return on Equity (ROE) | 15.5242% | 679 |
| Retained earnings to average equity (ytd only) | 8.0698% | 1,361 |
| Net charge-offs to loans | 0.0041% | 3,262 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 578.7603% | 172 |
| Efficiency ratio | 57.7268% | 3,976 |
| Assets per employee ($millions) | 5.1130% | 2,434 |
| Cash dividends to net income (ytd only)* | 48.0182% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,710 |
| Loan loss allowance to noncurrent loans | 264.5833% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 3,338 |
| Noncurrent loans to loans | 0.3682% | 3,237 |
| Net loans and leases to total assets | 57.3783% | 3,934 |
| Net loans and leases to deposits | 65.9110% | 4,073 |
| Net loans and leases to core deposits | 69.4373% | 4,080 |
| Total domestic deposits to total assets | 87.0543% | 1,485 |
| Equity capital to assets | 9.0528% | 4,756 |
| Core capital (leverage) ratio | 9.4177% | 4,262 |
| Tier 1 risk-based capital ratio | 15.6747% | 2,570 |
| Total risk-based capital ratio | 16.6541% | 2,607 |
| Memoranda: | ||
| Average total assets | $106,123,750 | 3,937 |
| Average earning assets | $101,947,500 | 3,874 |
| Average equity | $9,533,250 | 4,349 |
| Average total loans | $65,455,000 | 3,919 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 4,678 |
| Cost of funding earning assets | 0.6924% | 3,209 |
| Net interest margin | 3.1356% | 4,474 |
| Noninterest income to average assets | 0.4654% | 2,876 |
| Noninterest expense to average assets | 2.0845% | 4,442 |
| Loan and lease loss provision to assets | 0.0385% | 3,046 |
| Net operating income to assets | 1.3365% | 1,629 |
| Return on assets (ROA) | 1.3365% | 1,691 |
| Pretax return on assets | 1.3557% | 2,365 |
| Return on Equity (ROE) | 14.9195% | 778 |
| Retained earnings to average equity (ytd only) | 6.3113% | 2,135 |
| Net charge-offs to loans | 0.0061% | 2,934 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 362.5000% | 214 |
| Efficiency ratio | 59.2040% | 3,838 |
| Assets per employee ($millions) | 4.8428% | 2,677 |
| Cash dividends to net income (ytd only)* | 57.6978% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,000 |
| Loan loss allowance to noncurrent loans | 158.1152% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 2,901 |
| Noncurrent loans to loans | 0.5823% | 2,513 |
| Net loans and leases to total assets | 61.0113% | 3,649 |
| Net loans and leases to deposits | 72.5728% | 3,633 |
| Net loans and leases to core deposits | 74.0409% | 3,889 |
| Total domestic deposits to total assets | 84.0690% | 2,832 |
| Equity capital to assets | 9.2734% | 4,595 |
| Core capital (leverage) ratio | 9.5632% | 4,088 |
| Tier 1 risk-based capital ratio | 15.1125% | 2,787 |
| Total risk-based capital ratio | 16.0370% | 2,851 |
| Memoranda: | ||
| Average total assets | $104,003,330 | 4,000 |
| Average earning assets | $99,948,330 | 3,930 |
| Average equity | $9,316,670 | 4,394 |
| Average total loans | $65,547,670 | 3,935 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 4,723 |
| Cost of funding earning assets | 0.6670% | 3,222 |
| Net interest margin | 3.1206% | 4,552 |
| Noninterest income to average assets | 0.4361% | 2,939 |
| Noninterest expense to average assets | 2.1453% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2771% | 1,787 |
| Return on assets (ROA) | 1.2771% | 1,829 |
| Pretax return on assets | 1.2965% | 2,466 |
| Return on Equity (ROE) | 14.5213% | 850 |
| Retained earnings to average equity (ytd only) | -0.9297% | 4,641 |
| Net charge-offs to loans | -0.0366% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 3,601 |
| Assets per employee ($millions) | 5.0479% | 2,464 |
| Cash dividends to net income (ytd only)* | 106.4024% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 4,088 |
| Loan loss allowance to noncurrent loans | 194.0984% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 3,278 |
| Noncurrent loans to loans | 0.4729% | 2,899 |
| Net loans and leases to total assets | 60.2796% | 3,679 |
| Net loans and leases to deposits | 72.4909% | 3,569 |
| Net loans and leases to core deposits | 73.9755% | 3,797 |
| Total domestic deposits to total assets | 83.1547% | 3,330 |
| Equity capital to assets | 8.6627% | 4,896 |
| Core capital (leverage) ratio | 9.3939% | 4,260 |
| Tier 1 risk-based capital ratio | 14.6990% | 3,006 |
| Total risk-based capital ratio | 15.6100% | 3,095 |
| Memoranda: | ||
| Average total assets | $102,734,500 | 4,059 |
| Average earning assets | $98,955,000 | 3,986 |
| Average equity | $9,035,000 | 4,462 |
| Average total loans | $65,518,500 | 3,975 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7774% | 4,540 |
| Cost of funding earning assets | 0.5483% | 3,058 |
| Net interest margin | 3.2292% | 4,428 |
| Noninterest income to average assets | 0.5405% | 2,611 |
| Noninterest expense to average assets | 2.2989% | 4,126 |
| Loan and lease loss provision to assets | 0.1757% | 1,124 |
| Net operating income to assets | 1.1566% | 2,355 |
| Return on assets (ROA) | 1.1566% | 2,357 |
| Pretax return on assets | 1.1709% | 3,009 |
| Return on Equity (ROE) | 13.6310% | 1,144 |
| Retained earnings to average equity (ytd only) | 8.8746% | 915 |
| Net charge-offs to loans | 0.0117% | 3,286 |
| Credit loss provision to net charge-offs | 2,457.1429% | 189 |
| Earnings coverage of net charge-offs (x) | 188.2857% | 473 |
| Efficiency ratio | 62.3038% | 3,465 |
| Assets per employee ($millions) | 4.3245% | 3,419 |
| Cash dividends to net income (ytd only)* | 34.8940% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 4,246 |
| Loan loss allowance to noncurrent loans | 175.4491% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 3,035 |
| Noncurrent loans to loans | 0.5019% | 2,767 |
| Net loans and leases to total assets | 66.3151% | 3,085 |
| Net loans and leases to deposits | 76.7215% | 3,298 |
| Net loans and leases to core deposits | 78.3277% | 3,551 |
| Total domestic deposits to total assets | 86.4362% | 2,042 |
| Equity capital to assets | 8.9350% | 4,626 |
| Core capital (leverage) ratio | 9.5061% | 4,109 |
| Tier 1 risk-based capital ratio | 14.6821% | 2,971 |
| Total risk-based capital ratio | 15.5815% | 3,067 |
| Memoranda: | ||
| Average total assets | $97,873,200 | 4,131 |
| Average earning assets | $94,111,200 | 4,065 |
| Average equity | $8,304,600 | 4,553 |
| Average total loans | $59,652,800 | 4,099 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 4,645 |
| Cost of funding earning assets | 0.5235% | 3,036 |
| Net interest margin | 3.1793% | 4,551 |
| Noninterest income to average assets | 0.5362% | 2,641 |
| Noninterest expense to average assets | 2.2679% | 4,173 |
| Loan and lease loss provision to assets | 0.2216% | 745 |
| Net operating income to assets | 1.0943% | 2,689 |
| Return on assets (ROA) | 1.0943% | 2,708 |
| Pretax return on assets | 1.1038% | 3,382 |
| Return on Equity (ROE) | 13.0732% | 1,403 |
| Retained earnings to average equity (ytd only) | 7.4516% | 1,901 |
| Net charge-offs to loans | 0.0092% | 3,094 |
| Credit loss provision to net charge-offs | 4,050.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 242.3959% | 378 |
| Efficiency ratio | 62.3525% | 3,449 |
| Assets per employee ($millions) | 4.4666% | 3,171 |
| Cash dividends to net income (ytd only)* | 43.0005% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 4,225 |
| Loan loss allowance to noncurrent loans | 133.7182% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 3,005 |
| Noncurrent loans to loans | 0.6811% | 2,379 |
| Net loans and leases to total assets | 61.3174% | 3,718 |
| Net loans and leases to deposits | 69.8096% | 3,930 |
| Net loans and leases to core deposits | 71.1967% | 4,123 |
| Total domestic deposits to total assets | 87.8352% | 1,320 |
| Equity capital to assets | 8.1095% | 5,130 |
| Core capital (leverage) ratio | 9.0636% | 4,646 |
| Tier 1 risk-based capital ratio | 14.6021% | 3,064 |
| Total risk-based capital ratio | 15.5133% | 3,151 |
| Memoranda: | ||
| Average total assets | $97,475,750 | 4,180 |
| Average earning assets | $93,730,500 | 4,113 |
| Average equity | $8,159,000 | 4,627 |
| Average total loans | $57,929,750 | 4,189 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6200% | 4,732 |
| Cost of funding earning assets | 0.4889% | 3,098 |
| Net interest margin | 3.1311% | 4,659 |
| Noninterest income to average assets | 0.5161% | 2,769 |
| Noninterest expense to average assets | 2.2878% | 4,172 |
| Loan and lease loss provision to assets | 0.2779% | 530 |
| Net operating income to assets | 0.9506% | 3,232 |
| Return on assets (ROA) | 0.9506% | 3,241 |
| Pretax return on assets | 0.9611% | 3,773 |
| Return on Equity (ROE) | 11.2323% | 2,026 |
| Retained earnings to average equity (ytd only) | 4.9373% | 3,107 |
| Net charge-offs to loans | 0.0250% | 2,359 |
| Credit loss provision to net charge-offs | 1,900.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 84.7143% | 796 |
| Efficiency ratio | 64.0995% | 3,303 |
| Assets per employee ($millions) | 4.5320% | 3,084 |
| Cash dividends to net income (ytd only)* | 56.0440% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,376 |
| Loan loss allowance to noncurrent loans | 32.8924% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.6679% | 744 |
| Noncurrent loans to loans | 2.7084% | 448 |
| Net loans and leases to total assets | 61.0347% | 3,708 |
| Net loans and leases to deposits | 71.6241% | 3,739 |
| Net loans and leases to core deposits | 72.9140% | 3,952 |
| Total domestic deposits to total assets | 85.2152% | 2,596 |
| Equity capital to assets | 8.1371% | 5,176 |
| Core capital (leverage) ratio | 9.2858% | 4,375 |
| Tier 1 risk-based capital ratio | 14.4924% | 3,116 |
| Total risk-based capital ratio | 15.3716% | 3,222 |
| Memoranda: | ||
| Average total assets | $95,724,000 | 4,252 |
| Average earning assets | $92,043,000 | 4,183 |
| Average equity | $8,101,670 | 4,678 |
| Average total loans | $56,049,330 | 4,256 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5936% | 4,717 |
| Cost of funding earning assets | 0.4620% | 3,111 |
| Net interest margin | 3.1317% | 4,642 |
| Noninterest income to average assets | 0.5206% | 2,681 |
| Noninterest expense to average assets | 2.3300% | 4,116 |
| Loan and lease loss provision to assets | 0.4651% | 230 |
| Net operating income to assets | 0.7255% | 4,001 |
| Return on assets (ROA) | 0.7255% | 4,010 |
| Pretax return on assets | 0.7340% | 4,339 |
| Return on Equity (ROE) | 8.3992% | 3,193 |
| Retained earnings to average equity (ytd only) | -1.6304% | 4,976 |
| Net charge-offs to loans | 0.2023% | 727 |
| Credit loss provision to net charge-offs | 403.7037% | 688 |
| Earnings coverage of net charge-offs (x) | 10.4074% | 1,899 |
| Efficiency ratio | 65.1753% | 3,294 |
| Assets per employee ($millions) | 4.5105% | 3,137 |
| Cash dividends to net income (ytd only)* | 119.4118% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,461 |
| Loan loss allowance to noncurrent loans | 37.1681% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 1,000 |
| Noncurrent loans to loans | 2.4159% | 573 |
| Net loans and leases to total assets | 58.7251% | 3,879 |
| Net loans and leases to deposits | 66.8763% | 4,028 |
| Net loans and leases to core deposits | 68.1036% | 4,214 |
| Total domestic deposits to total assets | 87.8116% | 1,725 |
| Equity capital to assets | 8.3508% | 5,079 |
| Core capital (leverage) ratio | 9.0993% | 4,569 |
| Tier 1 risk-based capital ratio | 14.8782% | 2,932 |
| Total risk-based capital ratio | 15.7670% | 3,020 |
| Memoranda: | ||
| Average total assets | $93,734,000 | 4,334 |
| Average earning assets | $90,048,000 | 4,268 |
| Average equity | $8,096,000 | 4,729 |
| Average total loans | $53,373,500 | 4,366 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2501% | 5,135 |
| Cost of funding earning assets | 0.4242% | 3,007 |
| Net interest margin | 2.8259% | 5,139 |
| Noninterest income to average assets | 0.4661% | 3,216 |
| Noninterest expense to average assets | 2.1395% | 4,677 |
| Loan and lease loss provision to assets | 0.0976% | 2,264 |
| Net operating income to assets | 0.9270% | 2,564 |
| Return on assets (ROA) | 0.9238% | 2,605 |
| Pretax return on assets | 0.9322% | 3,797 |
| Return on Equity (ROE) | 10.9874% | 1,493 |
| Retained earnings to average equity (ytd only) | 7.1293% | 1,031 |
| Net charge-offs to loans | 0.0726% | 2,412 |
| Credit loss provision to net charge-offs | 258.3333% | 1,076 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,639 |
| Efficiency ratio | 66.5122% | 3,165 |
| Assets per employee ($millions) | 4.4165% | 3,323 |
| Cash dividends to net income (ytd only)* | 35.1136% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 4,732 |
| Loan loss allowance to noncurrent loans | 87.1636% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 2,447 |
| Noncurrent loans to loans | 0.9542% | 1,857 |
| Net loans and leases to total assets | 54.1225% | 4,349 |
| Net loans and leases to deposits | 62.5578% | 4,403 |
| Net loans and leases to core deposits | 63.5437% | 4,565 |
| Total domestic deposits to total assets | 86.5160% | 2,224 |
| Equity capital to assets | 8.9297% | 4,786 |
| Core capital (leverage) ratio | 9.0626% | 4,571 |
| Tier 1 risk-based capital ratio | 16.9881% | 2,102 |
| Total risk-based capital ratio | 17.7952% | 2,187 |
| Memoranda: | ||
| Average total assets | $95,254,200 | 4,325 |
| Average earning assets | $91,228,800 | 4,261 |
| Average equity | $8,009,200 | 4,782 |
| Average total loans | $49,602,200 | 4,468 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1884% | 5,245 |
| Cost of funding earning assets | 0.4167% | 3,022 |
| Net interest margin | 2.7717% | 5,264 |
| Noninterest income to average assets | 0.4631% | 3,258 |
| Noninterest expense to average assets | 2.1165% | 4,699 |
| Loan and lease loss provision to assets | 0.0960% | 2,182 |
| Net operating income to assets | 0.8969% | 3,043 |
| Return on assets (ROA) | 0.8928% | 3,119 |
| Pretax return on assets | 0.9011% | 4,042 |
| Return on Equity (ROE) | 10.7792% | 1,784 |
| Retained earnings to average equity (ytd only) | 6.4474% | 1,985 |
| Net charge-offs to loans | 0.0459% | 2,523 |
| Credit loss provision to net charge-offs | 405.8824% | 761 |
| Earnings coverage of net charge-offs (x) | 42.3458% | 1,246 |
| Efficiency ratio | 66.9492% | 3,056 |
| Assets per employee ($millions) | 5.0599% | 2,379 |
| Cash dividends to net income (ytd only)* | 40.1867% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 4,840 |
| Loan loss allowance to noncurrent loans | 54.2373% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 2,010 |
| Noncurrent loans to loans | 1.5113% | 1,236 |
| Net loans and leases to total assets | 49.7381% | 4,718 |
| Net loans and leases to deposits | 56.9686% | 4,815 |
| Net loans and leases to core deposits | 57.2987% | 4,938 |
| Total domestic deposits to total assets | 87.3080% | 1,723 |
| Equity capital to assets | 8.2047% | 5,436 |
| Core capital (leverage) ratio | 9.1375% | 4,585 |
| Tier 1 risk-based capital ratio | 16.0278% | 2,491 |
| Total risk-based capital ratio | 16.7967% | 2,638 |
| Memoranda: | ||
| Average total assets | $95,881,000 | 4,351 |
| Average earning assets | $91,831,000 | 4,286 |
| Average equity | $7,941,000 | 4,840 |
| Average total loans | $49,348,250 | 4,517 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1711% | 5,277 |
| Cost of funding earning assets | 0.4133% | 2,949 |
| Net interest margin | 2.7578% | 5,300 |
| Noninterest income to average assets | 0.4675% | 3,237 |
| Noninterest expense to average assets | 2.1507% | 4,667 |
| Loan and lease loss provision to assets | 0.0956% | 2,082 |
| Net operating income to assets | 0.8479% | 3,165 |
| Return on assets (ROA) | 0.8416% | 3,243 |
| Pretax return on assets | 0.8522% | 4,090 |
| Return on Equity (ROE) | 10.1274% | 1,974 |
| Retained earnings to average equity (ytd only) | 5.1149% | 2,631 |
| Net charge-offs to loans | 0.0777% | 1,844 |
| Credit loss provision to net charge-offs | 236.8421% | 1,122 |
| Earnings coverage of net charge-offs (x) | 23.6316% | 1,672 |
| Efficiency ratio | 68.3094% | 2,955 |
| Assets per employee ($millions) | 5.3036% | 2,055 |
| Cash dividends to net income (ytd only)* | 49.4949% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,973 |
| Loan loss allowance to noncurrent loans | 68.6620% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 2,523 |
| Noncurrent loans to loans | 1.1524% | 1,698 |
| Net loans and leases to total assets | 48.5243% | 4,793 |
| Net loans and leases to deposits | 54.9306% | 4,915 |
| Net loans and leases to core deposits | 55.2465% | 5,034 |
| Total domestic deposits to total assets | 88.3376% | 1,283 |
| Equity capital to assets | 8.1355% | 5,475 |
| Core capital (leverage) ratio | 9.3703% | 4,267 |
| Tier 1 risk-based capital ratio | 16.1676% | 2,437 |
| Total risk-based capital ratio | 16.9110% | 2,569 |
| Memoranda: | ||
| Average total assets | $94,108,670 | 4,411 |
| Average earning assets | $89,999,000 | 4,357 |
| Average equity | $7,820,330 | 4,885 |
| Average total loans | $48,881,000 | 4,556 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2745% | 5,141 |
| Cost of funding earning assets | 0.4249% | 2,772 |
| Net interest margin | 2.8496% | 5,166 |
| Noninterest income to average assets | 0.4715% | 3,181 |
| Noninterest expense to average assets | 2.2692% | 4,484 |
| Loan and lease loss provision to assets | 0.0925% | 1,995 |
| Net operating income to assets | 0.8194% | 3,127 |
| Return on assets (ROA) | 0.8064% | 3,254 |
| Pretax return on assets | 0.8152% | 4,057 |
| Return on Equity (ROE) | 9.5918% | 2,146 |
| Retained earnings to average equity (ytd only) | 1.8869% | 4,372 |
| Net charge-offs to loans | 0.0822% | 1,524 |
| Credit loss provision to net charge-offs | 210.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 20.9000% | 1,472 |
| Efficiency ratio | 70.1657% | 2,858 |
| Assets per employee ($millions) | 4.8119% | 2,682 |
| Cash dividends to net income (ytd only)* | 80.3279% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 5,109 |
| Loan loss allowance to noncurrent loans | 88.2629% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 2,854 |
| Noncurrent loans to loans | 0.8866% | 2,256 |
| Net loans and leases to total assets | 52.1421% | 4,503 |
| Net loans and leases to deposits | 60.5990% | 4,525 |
| Net loans and leases to core deposits | 60.9928% | 4,721 |
| Total domestic deposits to total assets | 86.0446% | 2,645 |
| Equity capital to assets | 8.4395% | 5,281 |
| Core capital (leverage) ratio | 9.3599% | 4,269 |
| Tier 1 risk-based capital ratio | 16.6400% | 2,303 |
| Total risk-based capital ratio | 17.3925% | 2,442 |
| Memoranda: | ||
| Average total assets | $90,779,000 | 4,527 |
| Average earning assets | $86,608,000 | 4,466 |
| Average equity | $7,631,500 | 4,951 |
| Average total loans | $48,678,000 | 4,602 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3361% | 5,106 |
| Cost of funding earning assets | 0.4162% | 2,850 |
| Net interest margin | 2.9199% | 5,098 |
| Noninterest income to average assets | 0.4625% | 3,465 |
| Noninterest expense to average assets | 2.3584% | 4,400 |
| Loan and lease loss provision to assets | 0.0181% | 4,015 |
| Net operating income to assets | 0.8695% | 2,982 |
| Return on assets (ROA) | 0.8767% | 3,058 |
| Pretax return on assets | 0.8888% | 3,885 |
| Return on Equity (ROE) | 9.1217% | 2,360 |
| Retained earnings to average equity (ytd only) | 5.7796% | 1,838 |
| Net charge-offs to loans | 0.0993% | 2,287 |
| Credit loss provision to net charge-offs | 31.2500% | 3,578 |
| Earnings coverage of net charge-offs (x) | 15.5208% | 2,194 |
| Efficiency ratio | 71.7939% | 2,620 |
| Assets per employee ($millions) | 4.7437% | 2,728 |
| Cash dividends to net income (ytd only)* | 36.6391% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7382% | 5,278 |
| Loan loss allowance to noncurrent loans | 67.1587% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 2,592 |
| Noncurrent loans to loans | 1.0992% | 1,892 |
| Net loans and leases to total assets | 54.3032% | 4,421 |
| Net loans and leases to deposits | 64.2327% | 4,398 |
| Net loans and leases to core deposits | 64.6629% | 4,597 |
| Total domestic deposits to total assets | 84.5414% | 3,224 |
| Equity capital to assets | 8.3734% | 5,368 |
| Core capital (leverage) ratio | 9.1401% | 4,565 |
| Tier 1 risk-based capital ratio | 16.4680% | 2,361 |
| Total risk-based capital ratio | 17.1924% | 2,505 |
| Memoranda: | ||
| Average total assets | $82,809,200 | 4,672 |
| Average earning assets | $79,284,800 | 4,603 |
| Average equity | $7,959,000 | 4,940 |
| Average total loans | $48,353,800 | 4,622 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 5,189 |
| Cost of funding earning assets | 0.4073% | 2,954 |
| Net interest margin | 2.9097% | 5,172 |
| Noninterest income to average assets | 0.5351% | 3,011 |
| Noninterest expense to average assets | 2.3874% | 4,313 |
| Loan and lease loss provision to assets | 0.0165% | 3,915 |
| Net operating income to assets | 0.9073% | 2,861 |
| Return on assets (ROA) | 0.9171% | 2,945 |
| Pretax return on assets | 0.9286% | 3,879 |
| Return on Equity (ROE) | 9.2117% | 2,394 |
| Retained earnings to average equity (ytd only) | 5.6229% | 2,418 |
| Net charge-offs to loans | 0.0582% | 2,520 |
| Credit loss provision to net charge-offs | 47.6190% | 3,062 |
| Earnings coverage of net charge-offs (x) | 27.0468% | 1,577 |
| Efficiency ratio | 71.4569% | 2,660 |
| Assets per employee ($millions) | 4.6163% | 2,899 |
| Cash dividends to net income (ytd only)* | 38.9591% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 5,213 |
| Loan loss allowance to noncurrent loans | 60.9795% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 1,986 |
| Noncurrent loans to loans | 1.2954% | 1,721 |
| Net loans and leases to total assets | 52.5107% | 4,614 |
| Net loans and leases to deposits | 62.2749% | 4,613 |
| Net loans and leases to core deposits | 62.6831% | 4,794 |
| Total domestic deposits to total assets | 84.3208% | 3,090 |
| Equity capital to assets | 8.9466% | 5,220 |
| Core capital (leverage) ratio | 8.9600% | 4,868 |
| Tier 1 risk-based capital ratio | 16.5442% | 2,396 |
| Total risk-based capital ratio | 17.3277% | 2,541 |
| Memoranda: | ||
| Average total assets | $80,978,750 | 4,754 |
| Average earning assets | $77,577,000 | 4,676 |
| Average equity | $8,062,000 | 4,973 |
| Average total loans | $48,115,250 | 4,669 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3530% | 5,178 |
| Cost of funding earning assets | 0.3975% | 3,064 |
| Net interest margin | 2.9555% | 5,162 |
| Noninterest income to average assets | 0.5052% | 3,160 |
| Noninterest expense to average assets | 2.4405% | 4,213 |
| Loan and lease loss provision to assets | 0.0259% | 3,616 |
| Net operating income to assets | 0.8577% | 3,059 |
| Return on assets (ROA) | 0.8679% | 3,129 |
| Pretax return on assets | 0.8809% | 4,022 |
| Return on Equity (ROE) | 8.3792% | 2,805 |
| Retained earnings to average equity (ytd only) | 4.0520% | 3,327 |
| Net charge-offs to loans | -0.0084% | 4,646 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1366% | 2,494 |
| Assets per employee ($millions) | 4.5955% | 2,872 |
| Cash dividends to net income (ytd only)* | 51.6418% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 5,137 |
| Loan loss allowance to noncurrent loans | 107.9365% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 3,476 |
| Noncurrent loans to loans | 0.7846% | 2,790 |
| Net loans and leases to total assets | 51.9726% | 4,677 |
| Net loans and leases to deposits | 65.5137% | 4,387 |
| Net loans and leases to core deposits | 65.9715% | 4,614 |
| Total domestic deposits to total assets | 79.3309% | 4,709 |
| Equity capital to assets | 8.8478% | 5,363 |
| Core capital (leverage) ratio | 10.4495% | 3,023 |
| Tier 1 risk-based capital ratio | 16.6171% | 2,385 |
| Total risk-based capital ratio | 17.4599% | 2,489 |
| Memoranda: | ||
| Average total assets | $77,196,330 | 4,870 |
| Average earning assets | $73,964,000 | 4,803 |
| Average equity | $7,996,000 | 5,026 |
| Average total loans | $47,864,670 | 4,716 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5657% | 4,723 |
| Cost of funding earning assets | 0.4367% | 2,710 |
| Net interest margin | 3.1289% | 4,785 |
| Noninterest income to average assets | 0.5498% | 2,806 |
| Noninterest expense to average assets | 2.6461% | 3,588 |
| Loan and lease loss provision to assets | 0.0573% | 2,800 |
| Net operating income to assets | 0.8306% | 3,094 |
| Return on assets (ROA) | 0.8477% | 3,127 |
| Pretax return on assets | 0.8591% | 4,007 |
| Return on Equity (ROE) | 7.4672% | 3,200 |
| Retained earnings to average equity (ytd only) | 1.2109% | 4,763 |
| Net charge-offs to loans | 0.0084% | 2,845 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 384 |
| Efficiency ratio | 74.6365% | 2,385 |
| Assets per employee ($millions) | 3.6832% | 4,498 |
| Cash dividends to net income (ytd only)* | 83.7838% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 5,174 |
| Loan loss allowance to noncurrent loans | 114.0845% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 3,109 |
| Noncurrent loans to loans | 0.7573% | 2,940 |
| Net loans and leases to total assets | 66.4104% | 2,890 |
| Net loans and leases to deposits | 80.2452% | 2,758 |
| Net loans and leases to core deposits | 80.9511% | 3,238 |
| Total domestic deposits to total assets | 82.7594% | 3,981 |
| Equity capital to assets | 11.3747% | 2,550 |
| Core capital (leverage) ratio | 11.4643% | 1,999 |
| Tier 1 risk-based capital ratio | 18.0214% | 1,981 |
| Total risk-based capital ratio | 18.9437% | 2,037 |
| Memoranda: | ||
| Average total assets | $69,839,500 | 5,071 |
| Average earning assets | $66,860,000 | 5,005 |
| Average equity | $7,928,000 | 5,063 |
| Average total loans | $47,709,000 | 4,745 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4427% | 5,061 |
| Cost of funding earning assets | 0.4475% | 2,648 |
| Net interest margin | 2.9952% | 5,151 |
| Noninterest income to average assets | 0.5349% | 3,112 |
| Noninterest expense to average assets | 2.5337% | 4,120 |
| Loan and lease loss provision to assets | 0.0474% | 3,380 |
| Net operating income to assets | 0.8330% | 3,185 |
| Return on assets (ROA) | 0.8504% | 3,182 |
| Pretax return on assets | 0.8626% | 3,980 |
| Return on Equity (ROE) | 8.2044% | 2,839 |
| Retained earnings to average equity (ytd only) | 5.0690% | 2,366 |
| Net charge-offs to loans | 0.0298% | 3,623 |
| Credit loss provision to net charge-offs | 250.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 47.0714% | 1,043 |
| Efficiency ratio | 73.9526% | 2,587 |
| Assets per employee ($millions) | 3.4850% | 4,857 |
| Cash dividends to net income (ytd only)* | 38.2166% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 5,363 |
| Loan loss allowance to noncurrent loans | 95.6627% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 2,843 |
| Noncurrent loans to loans | 0.8550% | 2,643 |
| Net loans and leases to total assets | 69.0713% | 2,528 |
| Net loans and leases to deposits | 85.7474% | 2,160 |
| Net loans and leases to core deposits | 86.5241% | 2,756 |
| Total domestic deposits to total assets | 80.5521% | 4,597 |
| Equity capital to assets | 11.3287% | 2,516 |
| Core capital (leverage) ratio | 11.0064% | 2,399 |
| Tier 1 risk-based capital ratio | 17.6761% | 2,063 |
| Total risk-based capital ratio | 18.5637% | 2,135 |
| Memoranda: | ||
| Average total assets | $73,846,000 | 4,991 |
| Average earning assets | $71,281,600 | 4,911 |
| Average equity | $7,654,400 | 5,120 |
| Average total loans | $46,993,400 | 4,757 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 5,199 |
| Cost of funding earning assets | 0.4551% | 2,639 |
| Net interest margin | 2.9463% | 5,317 |
| Noninterest income to average assets | 0.5217% | 3,217 |
| Noninterest expense to average assets | 2.4909% | 4,223 |
| Loan and lease loss provision to assets | 0.0445% | 3,324 |
| Net operating income to assets | 0.8210% | 3,330 |
| Return on assets (ROA) | 0.8386% | 3,311 |
| Pretax return on assets | 0.8511% | 4,169 |
| Return on Equity (ROE) | 8.2694% | 2,934 |
| Retained earnings to average equity (ytd only) | 4.9160% | 2,974 |
| Net charge-offs to loans | -0.0114% | 5,035 |
| Credit loss provision to net charge-offs | -625.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9429% | 2,566 |
| Assets per employee ($millions) | 3.8178% | 4,231 |
| Cash dividends to net income (ytd only)* | 40.5522% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 5,351 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 3,409 |
| Noncurrent loans to loans | 0.9501% | 2,601 |
| Net loans and leases to total assets | 64.7357% | 3,195 |
| Net loans and leases to deposits | 79.6871% | 2,919 |
| Net loans and leases to core deposits | 81.1411% | 3,332 |
| Total domestic deposits to total assets | 81.2374% | 4,415 |
| Equity capital to assets | 10.7654% | 3,283 |
| Core capital (leverage) ratio | 10.4536% | 3,093 |
| Tier 1 risk-based capital ratio | 17.9435% | 2,039 |
| Total risk-based capital ratio | 18.8739% | 2,109 |
| Memoranda: | ||
| Average total assets | $74,882,750 | 5,030 |
| Average earning assets | $72,361,000 | 4,945 |
| Average equity | $7,594,000 | 5,197 |
| Average total loans | $46,607,000 | 4,824 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3354% | 5,374 |
| Cost of funding earning assets | 0.4515% | 2,706 |
| Net interest margin | 2.8839% | 5,472 |
| Noninterest income to average assets | 0.5101% | 3,302 |
| Noninterest expense to average assets | 2.4397% | 4,430 |
| Loan and lease loss provision to assets | 0.0396% | 3,325 |
| Net operating income to assets | 0.8062% | 3,350 |
| Return on assets (ROA) | 0.8088% | 3,435 |
| Pretax return on assets | 0.8194% | 4,258 |
| Return on Equity (ROE) | 8.1358% | 2,971 |
| Retained earnings to average equity (ytd only) | 4.2274% | 3,342 |
| Net charge-offs to loans | -0.0129% | 5,006 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0176% | 2,675 |
| Assets per employee ($millions) | 4.0082% | 3,870 |
| Cash dividends to net income (ytd only)* | 48.0392% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 5,527 |
| Loan loss allowance to noncurrent loans | 87.1681% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 3,631 |
| Noncurrent loans to loans | 0.9510% | 2,746 |
| Net loans and leases to total assets | 61.8914% | 3,564 |
| Net loans and leases to deposits | 76.7130% | 3,192 |
| Net loans and leases to core deposits | 78.0519% | 3,564 |
| Total domestic deposits to total assets | 80.6791% | 4,697 |
| Equity capital to assets | 10.0150% | 4,020 |
| Core capital (leverage) ratio | 10.0535% | 3,527 |
| Tier 1 risk-based capital ratio | 17.2561% | 2,303 |
| Total risk-based capital ratio | 18.1402% | 2,401 |
| Memoranda: | ||
| Average total assets | $75,664,330 | 5,060 |
| Average earning assets | $73,094,670 | 4,980 |
| Average equity | $7,522,330 | 5,258 |
| Average total loans | $46,355,000 | 4,880 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2659% | 5,525 |
| Cost of funding earning assets | 0.4501% | 2,767 |
| Net interest margin | 2.8158% | 5,614 |
| Noninterest income to average assets | 0.4879% | 3,365 |
| Noninterest expense to average assets | 2.4503% | 4,447 |
| Loan and lease loss provision to assets | 0.0265% | 3,355 |
| Net operating income to assets | 0.7214% | 3,689 |
| Return on assets (ROA) | 0.7319% | 3,769 |
| Pretax return on assets | 0.7425% | 4,458 |
| Return on Equity (ROE) | 7.3896% | 3,280 |
| Retained earnings to average equity (ytd only) | 1.9813% | 4,682 |
| Net charge-offs to loans | 0.0262% | 2,645 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 47.6667% | 862 |
| Efficiency ratio | 76.3636% | 2,458 |
| Assets per employee ($millions) | 3.9404% | 4,080 |
| Cash dividends to net income (ytd only)* | 73.1884% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 5,584 |
| Loan loss allowance to noncurrent loans | 83.4802% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 3,661 |
| Noncurrent loans to loans | 1.0121% | 2,739 |
| Net loans and leases to total assets | 59.4080% | 3,742 |
| Net loans and leases to deposits | 72.4688% | 3,493 |
| Net loans and leases to core deposits | 73.7339% | 3,805 |
| Total domestic deposits to total assets | 81.9774% | 4,513 |
| Equity capital to assets | 10.0538% | 4,088 |
| Core capital (leverage) ratio | 10.1213% | 3,438 |
| Tier 1 risk-based capital ratio | 18.1879% | 2,084 |
| Total risk-based capital ratio | 19.0988% | 2,142 |
| Memoranda: | ||
| Average total assets | $75,418,500 | 5,123 |
| Average earning assets | $72,874,500 | 5,029 |
| Average equity | $7,470,000 | 5,311 |
| Average total loans | $45,768,500 | 4,927 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2177% | 5,812 |
| Cost of funding earning assets | 0.4809% | 2,874 |
| Net interest margin | 2.7368% | 5,889 |
| Noninterest income to average assets | 0.5214% | 3,350 |
| Noninterest expense to average assets | 2.3410% | 4,999 |
| Loan and lease loss provision to assets | 0.0639% | 3,236 |
| Net operating income to assets | 0.7451% | 3,650 |
| Return on assets (ROA) | 0.7603% | 3,670 |
| Pretax return on assets | 0.7718% | 4,361 |
| Return on Equity (ROE) | 8.3495% | 2,939 |
| Retained earnings to average equity (ytd only) | 4.6869% | 2,833 |
| Net charge-offs to loans | 0.0093% | 4,723 |
| Credit loss provision to net charge-offs | 1,250.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 160.5000% | 335 |
| Efficiency ratio | 74.0501% | 2,826 |
| Assets per employee ($millions) | 3.9984% | 3,959 |
| Cash dividends to net income (ytd only)* | 43.8655% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 5,759 |
| Loan loss allowance to noncurrent loans | 80.5139% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 3,742 |
| Noncurrent loans to loans | 1.0004% | 2,830 |
| Net loans and leases to total assets | 60.9517% | 3,645 |
| Net loans and leases to deposits | 76.8293% | 3,106 |
| Net loans and leases to core deposits | 78.1941% | 3,498 |
| Total domestic deposits to total assets | 79.3339% | 5,180 |
| Equity capital to assets | 9.7578% | 4,409 |
| Core capital (leverage) ratio | 9.4143% | 4,365 |
| Tier 1 risk-based capital ratio | 17.8017% | 2,199 |
| Total risk-based capital ratio | 18.6905% | 2,303 |
| Memoranda: | ||
| Average total assets | $78,257,200 | 5,104 |
| Average earning assets | $75,488,400 | 5,006 |
| Average equity | $7,126,200 | 5,387 |
| Average total loans | $43,188,600 | 5,062 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1456% | 5,962 |
| Cost of funding earning assets | 0.4892% | 2,873 |
| Net interest margin | 2.6564% | 6,062 |
| Noninterest income to average assets | 0.5125% | 3,462 |
| Noninterest expense to average assets | 2.3138% | 5,071 |
| Loan and lease loss provision to assets | 0.0592% | 3,183 |
| Net operating income to assets | 0.6937% | 3,975 |
| Return on assets (ROA) | 0.7138% | 3,971 |
| Pretax return on assets | 0.7222% | 4,624 |
| Return on Equity (ROE) | 7.9758% | 3,220 |
| Retained earnings to average equity (ytd only) | 3.8934% | 3,881 |
| Net charge-offs to loans | 0.0504% | 3,496 |
| Credit loss provision to net charge-offs | 218.7500% | 1,183 |
| Earnings coverage of net charge-offs (x) | 28.1289% | 1,427 |
| Efficiency ratio | 75.2475% | 2,627 |
| Assets per employee ($millions) | 4.2386% | 3,405 |
| Cash dividends to net income (ytd only)* | 51.1846% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 5,953 |
| Loan loss allowance to noncurrent loans | 67.5048% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 3,912 |
| Noncurrent loans to loans | 1.1391% | 2,780 |
| Net loans and leases to total assets | 55.9224% | 4,340 |
| Net loans and leases to deposits | 73.4227% | 3,504 |
| Net loans and leases to core deposits | 76.0949% | 3,727 |
| Total domestic deposits to total assets | 76.1651% | 5,794 |
| Equity capital to assets | 8.9814% | 5,372 |
| Core capital (leverage) ratio | 9.0501% | 5,001 |
| Tier 1 risk-based capital ratio | 17.5701% | 2,371 |
| Total risk-based capital ratio | 18.3984% | 2,506 |
| Memoranda: | ||
| Average total assets | $78,829,000 | 5,150 |
| Average earning assets | $76,040,250 | 5,038 |
| Average equity | $7,054,500 | 5,449 |
| Average total loans | $42,315,500 | 5,150 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0566% | 6,125 |
| Cost of funding earning assets | 0.4962% | 2,873 |
| Net interest margin | 2.5605% | 6,217 |
| Noninterest income to average assets | 0.4779% | 3,648 |
| Noninterest expense to average assets | 2.3281% | 5,088 |
| Loan and lease loss provision to assets | 0.0894% | 2,534 |
| Net operating income to assets | 0.5191% | 4,730 |
| Return on assets (ROA) | 0.5494% | 4,704 |
| Pretax return on assets | 0.5571% | 5,105 |
| Return on Equity (ROE) | 6.1472% | 4,075 |
| Retained earnings to average equity (ytd only) | 1.9442% | 4,907 |
| Net charge-offs to loans | 0.0727% | 2,975 |
| Credit loss provision to net charge-offs | 233.3333% | 1,036 |
| Earnings coverage of net charge-offs (x) | 16.0667% | 1,816 |
| Efficiency ratio | 79.0799% | 2,157 |
| Assets per employee ($millions) | 4.4021% | 3,084 |
| Cash dividends to net income (ytd only)* | 68.3721% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 5,942 |
| Loan loss allowance to noncurrent loans | 105.1051% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 4,818 |
| Noncurrent loans to loans | 0.7731% | 3,769 |
| Net loans and leases to total assets | 51.0778% | 4,851 |
| Net loans and leases to deposits | 62.7162% | 4,619 |
| Net loans and leases to core deposits | 64.2692% | 4,797 |
| Total domestic deposits to total assets | 81.4429% | 4,827 |
| Equity capital to assets | 8.5020% | 5,800 |
| Core capital (leverage) ratio | 9.1683% | 4,792 |
| Tier 1 risk-based capital ratio | 17.7381% | 2,335 |
| Total risk-based capital ratio | 18.5927% | 2,441 |
| Memoranda: | ||
| Average total assets | $78,261,000 | 5,202 |
| Average earning assets | $75,377,330 | 5,096 |
| Average equity | $6,995,000 | 5,491 |
| Average total loans | $41,292,330 | 5,219 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0706% | 6,159 |
| Cost of funding earning assets | 0.5338% | 2,567 |
| Net interest margin | 2.5368% | 6,305 |
| Noninterest income to average assets | 0.4605% | 3,709 |
| Noninterest expense to average assets | 2.4401% | 4,812 |
| Loan and lease loss provision to assets | 0.1059% | 2,158 |
| Net operating income to assets | 0.3440% | 5,334 |
| Return on assets (ROA) | 0.3440% | 5,395 |
| Pretax return on assets | 0.3546% | 5,584 |
| Return on Equity (ROE) | 3.7480% | 5,155 |
| Retained earnings to average equity (ytd only) | -2.0758% | 5,865 |
| Net charge-offs to loans | 0.2277% | 1,409 |
| Credit loss provision to net charge-offs | 86.9565% | 1,826 |
| Earnings coverage of net charge-offs (x) | 3.7826% | 2,631 |
| Efficiency ratio | 84.1241% | 1,658 |
| Assets per employee ($millions) | 4.0565% | 3,808 |
| Cash dividends to net income (ytd only)* | 155.3846% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 6,066 |
| Loan loss allowance to noncurrent loans | 95.8944% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 4,323 |
| Noncurrent loans to loans | 0.8505% | 3,767 |
| Net loans and leases to total assets | 51.5933% | 4,721 |
| Net loans and leases to deposits | 61.6168% | 4,593 |
| Net loans and leases to core deposits | 63.2224% | 4,765 |
| Total domestic deposits to total assets | 83.7325% | 4,375 |
| Equity capital to assets | 9.0095% | 5,108 |
| Core capital (leverage) ratio | 9.4856% | 4,304 |
| Tier 1 risk-based capital ratio | 18.9101% | 1,989 |
| Total risk-based capital ratio | 19.7735% | 2,078 |
| Memoranda: | ||
| Average total assets | $75,572,000 | 5,310 |
| Average earning assets | $72,690,500 | 5,211 |
| Average equity | $6,937,000 | 5,535 |
| Average total loans | $40,403,000 | 5,303 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 5,863 |
| Cost of funding earning assets | 0.6979% | 1,834 |
| Net interest margin | 2.6907% | 6,152 |
| Noninterest income to average assets | 0.5188% | 3,642 |
| Noninterest expense to average assets | 2.3274% | 5,298 |
| Loan and lease loss provision to assets | 0.0330% | 4,457 |
| Net operating income to assets | 0.7211% | 3,694 |
| Return on assets (ROA) | 0.7538% | 3,621 |
| Pretax return on assets | 0.7617% | 4,291 |
| Return on Equity (ROE) | 8.1796% | 2,939 |
| Retained earnings to average equity (ytd only) | 2.9939% | 4,110 |
| Net charge-offs to loans | 0.2095% | 2,785 |
| Credit loss provision to net charge-offs | 30.1205% | 4,248 |
| Earnings coverage of net charge-offs (x) | 6.9518% | 2,943 |
| Efficiency ratio | 75.3419% | 2,891 |
| Assets per employee ($millions) | 3.8984% | 4,066 |
| Cash dividends to net income (ytd only)* | 63.3975% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 6,146 |
| Loan loss allowance to noncurrent loans | 67.9012% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6588% | 4,271 |
| Noncurrent loans to loans | 1.1937% | 3,156 |
| Net loans and leases to total assets | 54.5214% | 4,524 |
| Net loans and leases to deposits | 66.8078% | 4,203 |
| Net loans and leases to core deposits | 68.6616% | 4,431 |
| Total domestic deposits to total assets | 81.6093% | 5,004 |
| Equity capital to assets | 9.3560% | 4,611 |
| Core capital (leverage) ratio | 9.6100% | 4,104 |
| Tier 1 risk-based capital ratio | 19.2120% | 1,863 |
| Total risk-based capital ratio | 20.0929% | 1,932 |
| Memoranda: | ||
| Average total assets | $75,749,400 | 5,331 |
| Average earning assets | $72,360,200 | 5,244 |
| Average equity | $6,980,800 | 5,573 |
| Average total loans | $39,610,000 | 5,365 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 5,812 |
| Cost of funding earning assets | 0.7185% | 1,820 |
| Net interest margin | 2.7162% | 6,150 |
| Noninterest income to average assets | 0.5129% | 3,720 |
| Noninterest expense to average assets | 2.2686% | 5,439 |
| Loan and lease loss provision to assets | 0.0175% | 4,664 |
| Net operating income to assets | 0.8021% | 3,333 |
| Return on assets (ROA) | 0.8455% | 3,238 |
| Pretax return on assets | 0.8577% | 4,061 |
| Return on Equity (ROE) | 9.2083% | 2,534 |
| Retained earnings to average equity (ytd only) | 3.1838% | 4,406 |
| Net charge-offs to loans | 0.2407% | 2,370 |
| Credit loss provision to net charge-offs | 14.0845% | 4,163 |
| Earnings coverage of net charge-offs (x) | 6.6905% | 2,923 |
| Efficiency ratio | 73.1790% | 3,193 |
| Assets per employee ($millions) | 3.9346% | 3,972 |
| Cash dividends to net income (ytd only)* | 65.4244% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 6,233 |
| Loan loss allowance to noncurrent loans | 61.2782% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 4,282 |
| Noncurrent loans to loans | 1.3420% | 3,174 |
| Net loans and leases to total assets | 52.5931% | 4,805 |
| Net loans and leases to deposits | 63.4421% | 4,573 |
| Net loans and leases to core deposits | 65.1505% | 4,788 |
| Total domestic deposits to total assets | 82.8993% | 4,620 |
| Equity capital to assets | 9.1644% | 4,982 |
| Core capital (leverage) ratio | 9.6187% | 4,221 |
| Tier 1 risk-based capital ratio | 19.7690% | 1,793 |
| Total risk-based capital ratio | 20.6697% | 1,852 |
| Memoranda: | ||
| Average total assets | $76,169,250 | 5,381 |
| Average earning assets | $72,551,750 | 5,290 |
| Average equity | $6,993,500 | 5,636 |
| Average total loans | $39,334,000 | 5,429 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 5,624 |
| Cost of funding earning assets | 0.7206% | 1,919 |
| Net interest margin | 2.8113% | 5,982 |
| Noninterest income to average assets | 0.4984% | 3,852 |
| Noninterest expense to average assets | 2.2573% | 5,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9062% | 2,757 |
| Return on assets (ROA) | 0.9708% | 2,606 |
| Pretax return on assets | 0.9838% | 3,580 |
| Return on Equity (ROE) | 10.5667% | 1,987 |
| Retained earnings to average equity (ytd only) | 3.9483% | 3,784 |
| Net charge-offs to loans | 0.2141% | 2,479 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.3810% | 2,402 |
| Efficiency ratio | 71.0764% | 3,631 |
| Assets per employee ($millions) | 3.9407% | 3,930 |
| Cash dividends to net income (ytd only)* | 62.6344% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 6,186 |
| Loan loss allowance to noncurrent loans | 85.6079% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 4,916 |
| Noncurrent loans to loans | 1.0294% | 3,873 |
| Net loans and leases to total assets | 51.8257% | 4,882 |
| Net loans and leases to deposits | 61.7024% | 4,775 |
| Net loans and leases to core deposits | 63.5652% | 4,942 |
| Total domestic deposits to total assets | 83.9931% | 4,322 |
| Equity capital to assets | 9.2929% | 4,866 |
| Core capital (leverage) ratio | 9.2555% | 4,616 |
| Tier 1 risk-based capital ratio | 20.0129% | 1,716 |
| Total risk-based capital ratio | 20.9817% | 1,763 |
| Memoranda: | ||
| Average total assets | $76,640,000 | 5,399 |
| Average earning assets | $72,990,000 | 5,307 |
| Average equity | $7,041,000 | 5,672 |
| Average total loans | $39,231,000 | 5,458 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 4,770 |
| Cost of funding earning assets | 0.7317% | 1,986 |
| Net interest margin | 3.0851% | 5,321 |
| Noninterest income to average assets | 0.4747% | 3,963 |
| Noninterest expense to average assets | 2.2497% | 5,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1302% | 1,742 |
| Return on assets (ROA) | 1.1558% | 1,759 |
| Pretax return on assets | 1.1661% | 2,699 |
| Return on Equity (ROE) | 12.6509% | 1,255 |
| Retained earnings to average equity (ytd only) | 1.9767% | 5,013 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3623% | 4,603 |
| Assets per employee ($millions) | 4.0581% | 3,830 |
| Cash dividends to net income (ytd only)* | 84.3750% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 5,972 |
| Loan loss allowance to noncurrent loans | 130.7432% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 5,441 |
| Noncurrent loans to loans | 0.7685% | 4,588 |
| Net loans and leases to total assets | 49.4514% | 5,055 |
| Net loans and leases to deposits | 60.3479% | 4,755 |
| Net loans and leases to core deposits | 62.1085% | 4,946 |
| Total domestic deposits to total assets | 81.9439% | 5,211 |
| Equity capital to assets | 9.2057% | 5,247 |
| Core capital (leverage) ratio | 9.2109% | 4,557 |
| Tier 1 risk-based capital ratio | 19.5856% | 1,888 |
| Total risk-based capital ratio | 20.6648% | 1,908 |
| Memoranda: | ||
| Average total assets | $77,523,000 | 5,425 |
| Average earning assets | $73,255,500 | 5,343 |
| Average equity | $7,082,500 | 5,722 |
| Average total loans | $39,272,000 | 5,497 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 6,017 |
| Cost of funding earning assets | 1.0231% | 1,236 |
| Net interest margin | 2.6944% | 6,527 |
| Noninterest income to average assets | 0.5516% | 3,564 |
| Noninterest expense to average assets | 2.4472% | 5,264 |
| Loan and lease loss provision to assets | 0.0068% | 5,836 |
| Net operating income to assets | 0.6623% | 3,918 |
| Return on assets (ROA) | 0.7788% | 3,630 |
| Pretax return on assets | 0.7896% | 4,333 |
| Return on Equity (ROE) | 8.3028% | 2,959 |
| Retained earnings to average equity (ytd only) | 3.7334% | 3,589 |
| Net charge-offs to loans | 0.1272% | 4,413 |
| Credit loss provision to net charge-offs | 9.8039% | 5,400 |
| Earnings coverage of net charge-offs (x) | 9.8431% | 2,213 |
| Efficiency ratio | 78.2872% | 2,397 |
| Assets per employee ($millions) | 3.8971% | 4,156 |
| Cash dividends to net income (ytd only)* | 55.0347% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 6,072 |
| Loan loss allowance to noncurrent loans | 79.1411% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 4,905 |
| Noncurrent loans to loans | 1.2216% | 3,806 |
| Net loans and leases to total assets | 50.8596% | 5,057 |
| Net loans and leases to deposits | 62.8933% | 4,671 |
| Net loans and leases to core deposits | 64.9991% | 4,836 |
| Total domestic deposits to total assets | 80.8665% | 5,439 |
| Equity capital to assets | 9.0670% | 5,444 |
| Core capital (leverage) ratio | 9.1957% | 4,590 |
| Tier 1 risk-based capital ratio | 18.7361% | 2,036 |
| Total risk-based capital ratio | 19.7737% | 2,066 |
| Memoranda: | ||
| Average total assets | $73,961,600 | 5,516 |
| Average earning assets | $70,665,600 | 5,404 |
| Average equity | $6,937,400 | 5,783 |
| Average total loans | $40,093,400 | 5,500 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 6,061 |
| Cost of funding earning assets | 1.0890% | 1,107 |
| Net interest margin | 2.6948% | 6,651 |
| Noninterest income to average assets | 0.5665% | 3,497 |
| Noninterest expense to average assets | 2.4650% | 5,196 |
| Loan and lease loss provision to assets | 0.0091% | 5,693 |
| Net operating income to assets | 0.6649% | 4,063 |
| Return on assets (ROA) | 0.8223% | 3,573 |
| Pretax return on assets | 0.8332% | 4,370 |
| Return on Equity (ROE) | 8.6892% | 2,953 |
| Retained earnings to average equity (ytd only) | 3.3984% | 4,477 |
| Net charge-offs to loans | 0.1695% | 3,754 |
| Credit loss provision to net charge-offs | 9.8039% | 5,081 |
| Earnings coverage of net charge-offs (x) | 7.3331% | 2,615 |
| Efficiency ratio | 78.2937% | 2,354 |
| Assets per employee ($millions) | 3.8356% | 4,223 |
| Cash dividends to net income (ytd only)* | 60.8877% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 6,198 |
| Loan loss allowance to noncurrent loans | 87.9545% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 5,165 |
| Noncurrent loans to loans | 1.1005% | 4,224 |
| Net loans and leases to total assets | 54.3326% | 4,702 |
| Net loans and leases to deposits | 62.5016% | 4,903 |
| Net loans and leases to core deposits | 64.8764% | 5,065 |
| Total domestic deposits to total assets | 86.9300% | 2,714 |
| Equity capital to assets | 9.6560% | 4,981 |
| Core capital (leverage) ratio | 9.4382% | 4,366 |
| Tier 1 risk-based capital ratio | 18.5434% | 2,149 |
| Total risk-based capital ratio | 19.5800% | 2,195 |
| Memoranda: | ||
| Average total assets | $72,966,500 | 5,603 |
| Average earning assets | $69,911,250 | 5,488 |
| Average equity | $6,905,000 | 5,855 |
| Average total loans | $40,109,750 | 5,569 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 6,236 |
| Cost of funding earning assets | 1.1215% | 1,121 |
| Net interest margin | 2.6357% | 6,793 |
| Noninterest income to average assets | 0.5644% | 3,494 |
| Noninterest expense to average assets | 2.4440% | 5,314 |
| Loan and lease loss provision to assets | 0.0137% | 5,493 |
| Net operating income to assets | 0.6344% | 4,201 |
| Return on assets (ROA) | 0.7836% | 3,720 |
| Pretax return on assets | 0.7946% | 4,492 |
| Return on Equity (ROE) | 8.3370% | 3,099 |
| Retained earnings to average equity (ytd only) | 2.1863% | 5,100 |
| Net charge-offs to loans | 0.2491% | 3,084 |
| Credit loss provision to net charge-offs | 10.0000% | 4,739 |
| Earnings coverage of net charge-offs (x) | 4.8000% | 2,983 |
| Efficiency ratio | 78.7986% | 2,352 |
| Assets per employee ($millions) | 3.8685% | 4,149 |
| Cash dividends to net income (ytd only)* | 73.7762% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 6,300 |
| Loan loss allowance to noncurrent loans | 195.9596% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 6,103 |
| Noncurrent loans to loans | 0.4889% | 5,553 |
| Net loans and leases to total assets | 54.5727% | 4,695 |
| Net loans and leases to deposits | 63.1069% | 4,866 |
| Net loans and leases to core deposits | 65.4890% | 5,054 |
| Total domestic deposits to total assets | 86.4766% | 3,085 |
| Equity capital to assets | 9.4501% | 5,133 |
| Core capital (leverage) ratio | 9.1519% | 4,685 |
| Tier 1 risk-based capital ratio | 17.8374% | 2,345 |
| Total risk-based capital ratio | 18.8547% | 2,408 |
| Memoranda: | ||
| Average total assets | $72,996,330 | 5,636 |
| Average earning assets | $70,266,000 | 5,515 |
| Average equity | $6,861,000 | 5,889 |
| Average total loans | $40,152,000 | 5,597 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 6,213 |
| Cost of funding earning assets | 1.1555% | 1,158 |
| Net interest margin | 2.6600% | 6,820 |
| Noninterest income to average assets | 0.5334% | 3,679 |
| Noninterest expense to average assets | 2.4744% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6056% | 4,323 |
| Return on assets (ROA) | 0.6434% | 4,359 |
| Pretax return on assets | 0.6544% | 4,927 |
| Return on Equity (ROE) | 6.8637% | 3,854 |
| Retained earnings to average equity (ytd only) | -2.9332% | 6,386 |
| Net charge-offs to loans | 0.4102% | 2,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.7317% | 3,089 |
| Efficiency ratio | 80.0712% | 2,195 |
| Assets per employee ($millions) | 3.8953% | 4,208 |
| Cash dividends to net income (ytd only)* | 142.7350% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 6,223 |
| Loan loss allowance to noncurrent loans | 202.5773% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 6,155 |
| Noncurrent loans to loans | 0.4963% | 5,685 |
| Net loans and leases to total assets | 52.2902% | 4,981 |
| Net loans and leases to deposits | 59.8201% | 5,171 |
| Net loans and leases to core deposits | 61.7747% | 5,344 |
| Total domestic deposits to total assets | 87.4125% | 2,718 |
| Equity capital to assets | 9.1488% | 5,293 |
| Core capital (leverage) ratio | 9.1540% | 4,597 |
| Tier 1 risk-based capital ratio | 17.9869% | 2,294 |
| Total risk-based capital ratio | 19.0454% | 2,343 |
| Memoranda: | ||
| Average total assets | $72,743,500 | 5,685 |
| Average earning assets | $69,925,500 | 5,566 |
| Average equity | $6,818,500 | 5,926 |
| Average total loans | $39,978,000 | 5,644 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 6,016 |
| Cost of funding earning assets | 1.3435% | 1,274 |
| Net interest margin | 2.8704% | 6,736 |
| Noninterest income to average assets | 0.5973% | 3,181 |
| Noninterest expense to average assets | 2.5263% | 5,370 |
| Loan and lease loss provision to assets | 0.0168% | 6,352 |
| Net operating income to assets | 0.7809% | 3,133 |
| Return on assets (ROA) | 0.8197% | 3,119 |
| Pretax return on assets | 0.8309% | 3,866 |
| Return on Equity (ROE) | 8.8073% | 2,539 |
| Retained earnings to average equity (ytd only) | 4.3435% | 3,086 |
| Net charge-offs to loans | 0.0219% | 6,139 |
| Credit loss provision to net charge-offs | 133.3333% | 2,274 |
| Earnings coverage of net charge-offs (x) | 64.2222% | 463 |
| Efficiency ratio | 75.7550% | 2,919 |
| Assets per employee ($millions) | 3.7619% | 4,408 |
| Cash dividends to net income (ytd only)* | 50.6826% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 5,964 |
| Loan loss allowance to noncurrent loans | 123.7143% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4897% | 5,744 |
| Noncurrent loans to loans | 0.8565% | 4,978 |
| Net loans and leases to total assets | 56.5636% | 4,612 |
| Net loans and leases to deposits | 64.9687% | 4,879 |
| Net loans and leases to core deposits | 67.5612% | 5,084 |
| Total domestic deposits to total assets | 87.0630% | 2,728 |
| Equity capital to assets | 9.6059% | 4,737 |
| Core capital (leverage) ratio | 9.3121% | 4,309 |
| Tier 1 risk-based capital ratio | 17.8252% | 2,255 |
| Total risk-based capital ratio | 18.9722% | 2,269 |
| Memoranda: | ||
| Average total assets | $71,487,600 | 5,709 |
| Average earning assets | $68,179,600 | 5,606 |
| Average equity | $6,653,600 | 5,972 |
| Average total loans | $41,134,400 | 5,637 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 6,076 |
| Cost of funding earning assets | 1.3643% | 1,400 |
| Net interest margin | 2.8873% | 6,769 |
| Noninterest income to average assets | 0.5949% | 3,203 |
| Noninterest expense to average assets | 2.5178% | 5,408 |
| Loan and lease loss provision to assets | 0.0224% | 6,164 |
| Net operating income to assets | 0.7823% | 3,242 |
| Return on assets (ROA) | 0.8262% | 3,202 |
| Pretax return on assets | 0.8467% | 3,962 |
| Return on Equity (ROE) | 8.9486% | 2,617 |
| Retained earnings to average equity (ytd only) | 3.8177% | 4,009 |
| Net charge-offs to loans | 0.0097% | 6,023 |
| Credit loss provision to net charge-offs | 400.0000% | 714 |
| Earnings coverage of net charge-offs (x) | 147.3300% | 261 |
| Efficiency ratio | 75.3348% | 2,955 |
| Assets per employee ($millions) | 3.6358% | 4,670 |
| Cash dividends to net income (ytd only)* | 57.3368% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 5,992 |
| Loan loss allowance to noncurrent loans | 124.7159% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 5,876 |
| Noncurrent loans to loans | 0.8577% | 5,150 |
| Net loans and leases to total assets | 55.8350% | 4,864 |
| Net loans and leases to deposits | 63.6309% | 5,219 |
| Net loans and leases to core deposits | 66.0953% | 5,408 |
| Total domestic deposits to total assets | 87.7482% | 2,197 |
| Equity capital to assets | 9.3129% | 5,359 |
| Core capital (leverage) ratio | 9.1601% | 4,692 |
| Tier 1 risk-based capital ratio | 17.5346% | 2,429 |
| Total risk-based capital ratio | 18.6956% | 2,441 |
| Memoranda: | ||
| Average total assets | $71,490,250 | 5,743 |
| Average earning assets | $68,019,250 | 5,653 |
| Average equity | $6,600,500 | 6,027 |
| Average total loans | $41,202,250 | 5,683 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 6,042 |
| Cost of funding earning assets | 1.3791% | 1,504 |
| Net interest margin | 2.9150% | 6,761 |
| Noninterest income to average assets | 0.5824% | 3,246 |
| Noninterest expense to average assets | 2.5661% | 5,304 |
| Loan and lease loss provision to assets | 0.0338% | 5,891 |
| Net operating income to assets | 0.7316% | 3,380 |
| Return on assets (ROA) | 0.7344% | 3,489 |
| Pretax return on assets | 0.7569% | 4,187 |
| Return on Equity (ROE) | 7.9776% | 2,955 |
| Retained earnings to average equity (ytd only) | 2.2618% | 4,851 |
| Net charge-offs to loans | 0.0194% | 5,568 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 477 |
| Efficiency ratio | 76.5101% | 2,934 |
| Assets per employee ($millions) | 3.7931% | 4,214 |
| Cash dividends to net income (ytd only)* | 71.6475% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 6,026 |
| Loan loss allowance to noncurrent loans | 122.2841% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 5,924 |
| Noncurrent loans to loans | 0.8852% | 5,199 |
| Net loans and leases to total assets | 55.6655% | 5,042 |
| Net loans and leases to deposits | 63.1475% | 5,377 |
| Net loans and leases to core deposits | 65.5946% | 5,555 |
| Total domestic deposits to total assets | 88.1515% | 2,039 |
| Equity capital to assets | 9.2107% | 5,265 |
| Core capital (leverage) ratio | 8.9936% | 4,734 |
| Tier 1 risk-based capital ratio | 17.6507% | 2,288 |
| Total risk-based capital ratio | 18.8403% | 2,277 |
| Memoranda: | ||
| Average total assets | $71,081,670 | 5,794 |
| Average earning assets | $67,582,000 | 5,711 |
| Average equity | $6,543,330 | 6,070 |
| Average total loans | $41,256,330 | 5,747 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 5,763 |
| Cost of funding earning assets | 1.3838% | 1,698 |
| Net interest margin | 2.9952% | 6,583 |
| Noninterest income to average assets | 0.5610% | 3,426 |
| Noninterest expense to average assets | 2.5557% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8160% | 2,948 |
| Return on assets (ROA) | 0.8160% | 3,006 |
| Pretax return on assets | 0.8387% | 3,748 |
| Return on Equity (ROE) | 8.8670% | 2,523 |
| Retained earnings to average equity (ytd only) | -0.1232% | 5,811 |
| Net charge-offs to loans | 0.0385% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 721 |
| Efficiency ratio | 75.2922% | 3,282 |
| Assets per employee ($millions) | 3.7499% | 4,425 |
| Cash dividends to net income (ytd only)* | 101.3889% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 6,229 |
| Loan loss allowance to noncurrent loans | 122.3496% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 6,002 |
| Noncurrent loans to loans | 0.8563% | 5,333 |
| Net loans and leases to total assets | 56.6029% | 4,890 |
| Net loans and leases to deposits | 63.9189% | 5,265 |
| Net loans and leases to core deposits | 66.6727% | 5,443 |
| Total domestic deposits to total assets | 88.5542% | 2,044 |
| Equity capital to assets | 9.1005% | 5,049 |
| Core capital (leverage) ratio | 9.1067% | 4,437 |
| Tier 1 risk-based capital ratio | 15.7859% | 3,007 |
| Total risk-based capital ratio | 16.8325% | 3,074 |
| Memoranda: | ||
| Average total assets | $70,588,500 | 5,858 |
| Average earning assets | $66,774,000 | 5,775 |
| Average equity | $6,496,000 | 6,093 |
| Average total loans | $41,606,500 | 5,781 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8718% | 5,149 |
| Cost of funding earning assets | 1.5799% | 2,191 |
| Net interest margin | 3.2919% | 6,009 |
| Noninterest income to average assets | 0.5979% | 3,494 |
| Noninterest expense to average assets | 2.6328% | 5,283 |
| Loan and lease loss provision to assets | 0.0877% | 6,274 |
| Net operating income to assets | 0.9620% | 2,159 |
| Return on assets (ROA) | 0.9736% | 2,243 |
| Pretax return on assets | 0.9838% | 2,982 |
| Return on Equity (ROE) | 10.5533% | 1,740 |
| Retained earnings to average equity (ytd only) | 7.4634% | 1,156 |
| Net charge-offs to loans | 0.2568% | 4,749 |
| Credit loss provision to net charge-offs | 56.0748% | 6,155 |
| Earnings coverage of net charge-offs (x) | 6.7757% | 2,282 |
| Efficiency ratio | 71.2985% | 3,936 |
| Assets per employee ($millions) | 3.4964% | 4,937 |
| Cash dividends to net income (ytd only)* | 29.2793% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,312 |
| Loan loss allowance to noncurrent loans | 126.7647% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 6,058 |
| Noncurrent loans to loans | 0.8008% | 5,442 |
| Net loans and leases to total assets | 60.0990% | 4,663 |
| Net loans and leases to deposits | 68.3683% | 5,054 |
| Net loans and leases to core deposits | 70.9683% | 5,334 |
| Total domestic deposits to total assets | 87.9047% | 2,307 |
| Equity capital to assets | 9.3067% | 4,680 |
| Core capital (leverage) ratio | 9.0176% | 4,513 |
| Tier 1 risk-based capital ratio | 15.4370% | 3,026 |
| Total risk-based capital ratio | 16.4704% | 3,091 |
| Memoranda: | ||
| Average total assets | $68,406,000 | 5,922 |
| Average earning assets | $64,309,000 | 5,849 |
| Average equity | $6,310,800 | 6,270 |
| Average total loans | $41,670,200 | 5,851 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 5,356 |
| Cost of funding earning assets | 1.5965% | 2,404 |
| Net interest margin | 3.2846% | 6,068 |
| Noninterest income to average assets | 0.5919% | 3,497 |
| Noninterest expense to average assets | 2.6146% | 5,266 |
| Loan and lease loss provision to assets | 0.1176% | 5,853 |
| Net operating income to assets | 0.9390% | 2,457 |
| Return on assets (ROA) | 0.9545% | 2,526 |
| Pretax return on assets | 0.9643% | 3,317 |
| Return on Equity (ROE) | 10.3700% | 1,984 |
| Retained earnings to average equity (ytd only) | 7.0908% | 1,797 |
| Net charge-offs to loans | 0.2958% | 4,182 |
| Credit loss provision to net charge-offs | 65.2174% | 5,555 |
| Earnings coverage of net charge-offs (x) | 5.9133% | 2,647 |
| Efficiency ratio | 71.0330% | 3,877 |
| Assets per employee ($millions) | 3.5830% | 4,771 |
| Cash dividends to net income (ytd only)* | 31.6223% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 6,169 |
| Loan loss allowance to noncurrent loans | 144.3366% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 6,347 |
| Noncurrent loans to loans | 0.7266% | 5,752 |
| Net loans and leases to total assets | 58.7212% | 5,150 |
| Net loans and leases to deposits | 68.0263% | 5,419 |
| Net loans and leases to core deposits | 70.5870% | 5,690 |
| Total domestic deposits to total assets | 86.3213% | 2,900 |
| Equity capital to assets | 9.0219% | 5,549 |
| Core capital (leverage) ratio | 9.0947% | 4,539 |
| Tier 1 risk-based capital ratio | 14.9240% | 3,288 |
| Total risk-based capital ratio | 15.9800% | 3,361 |
| Memoranda: | ||
| Average total assets | $68,025,500 | 6,001 |
| Average earning assets | $63,973,000 | 5,922 |
| Average equity | $6,261,500 | 6,373 |
| Average total loans | $41,473,500 | 5,947 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9595% | 5,138 |
| Cost of funding earning assets | 1.6288% | 2,487 |
| Net interest margin | 3.3307% | 5,901 |
| Noninterest income to average assets | 0.5628% | 3,606 |
| Noninterest expense to average assets | 2.6162% | 5,259 |
| Loan and lease loss provision to assets | 0.1796% | 5,075 |
| Net operating income to assets | 0.8983% | 2,559 |
| Return on assets (ROA) | 0.9220% | 2,563 |
| Pretax return on assets | 0.9309% | 3,385 |
| Return on Equity (ROE) | 9.9456% | 2,128 |
| Retained earnings to average equity (ytd only) | 7.6530% | 1,576 |
| Net charge-offs to loans | 0.4183% | 3,320 |
| Credit loss provision to net charge-offs | 69.7674% | 4,969 |
| Earnings coverage of net charge-offs (x) | 4.2209% | 3,017 |
| Efficiency ratio | 70.6548% | 4,049 |
| Assets per employee ($millions) | 3.4058% | 5,170 |
| Cash dividends to net income (ytd only)* | 23.0519% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 6,035 |
| Loan loss allowance to noncurrent loans | 191.5254% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 6,555 |
| Noncurrent loans to loans | 0.5641% | 6,116 |
| Net loans and leases to total assets | 60.7590% | 4,917 |
| Net loans and leases to deposits | 69.0469% | 5,409 |
| Net loans and leases to core deposits | 70.5079% | 5,826 |
| Total domestic deposits to total assets | 87.9968% | 2,006 |
| Equity capital to assets | 9.2887% | 5,018 |
| Core capital (leverage) ratio | 9.1431% | 4,383 |
| Tier 1 risk-based capital ratio | 15.0396% | 3,136 |
| Total risk-based capital ratio | 16.1712% | 3,162 |
| Memoranda: | ||
| Average total assets | $66,814,330 | 6,069 |
| Average earning assets | $62,990,000 | 5,987 |
| Average equity | $6,193,670 | 6,408 |
| Average total loans | $41,123,000 | 6,004 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 5,526 |
| Cost of funding earning assets | 1.6357% | 2,734 |
| Net interest margin | 3.2520% | 6,123 |
| Noninterest income to average assets | 0.6106% | 3,205 |
| Noninterest expense to average assets | 2.6480% | 5,151 |
| Loan and lease loss provision to assets | 0.1814% | 4,708 |
| Net operating income to assets | 0.8282% | 2,842 |
| Return on assets (ROA) | 0.8282% | 2,939 |
| Pretax return on assets | 0.8343% | 3,731 |
| Return on Equity (ROE) | 8.9440% | 2,512 |
| Retained earnings to average equity (ytd only) | 7.3119% | 2,013 |
| Net charge-offs to loans | 0.0098% | 5,452 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 201 |
| Efficiency ratio | 72.2772% | 3,877 |
| Assets per employee ($millions) | 3.1638% | 5,847 |
| Cash dividends to net income (ytd only)* | 18.2482% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 5,207 |
| Loan loss allowance to noncurrent loans | 111.8943% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7465% | 5,662 |
| Noncurrent loans to loans | 1.1181% | 5,123 |
| Net loans and leases to total assets | 60.3522% | 5,064 |
| Net loans and leases to deposits | 70.6809% | 5,242 |
| Net loans and leases to core deposits | 71.9234% | 5,720 |
| Total domestic deposits to total assets | 85.3868% | 3,469 |
| Equity capital to assets | 9.2715% | 4,877 |
| Core capital (leverage) ratio | 9.2214% | 4,188 |
| Tier 1 risk-based capital ratio | 15.1563% | 3,039 |
| Total risk-based capital ratio | 16.4071% | 2,997 |
| Memoranda: | ||
| Average total assets | $66,164,000 | 6,166 |
| Average earning assets | $62,115,500 | 6,077 |
| Average equity | $6,127,000 | 6,473 |
| Average total loans | $40,765,500 | 6,086 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3813% | 4,780 |
| Cost of funding earning assets | 1.7659% | 4,170 |
| Net interest margin | 3.6154% | 4,495 |
| Noninterest income to average assets | 0.7121% | 2,887 |
| Noninterest expense to average assets | 3.0374% | 3,998 |
| Loan and lease loss provision to assets | 0.0807% | 6,800 |
| Net operating income to assets | 1.0078% | 1,811 |
| Return on assets (ROA) | 0.8688% | 2,350 |
| Pretax return on assets | 0.8784% | 2,992 |
| Return on Equity (ROE) | 9.5655% | 1,833 |
| Retained earnings to average equity (ytd only) | 4.5694% | 2,057 |
| Net charge-offs to loans | 0.0772% | 6,343 |
| Credit loss provision to net charge-offs | 161.2903% | 2,751 |
| Earnings coverage of net charge-offs (x) | 21.9677% | 980 |
| Efficiency ratio | 73.4192% | 4,015 |
| Assets per employee ($millions) | 3.1375% | 5,895 |
| Cash dividends to net income (ytd only)* | 52.2305% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 5,536 |
| Loan loss allowance to noncurrent loans | 109.6110% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 5,658 |
| Noncurrent loans to loans | 1.0678% | 5,185 |
| Net loans and leases to total assets | 61.3860% | 5,126 |
| Net loans and leases to deposits | 70.7878% | 5,497 |
| Net loans and leases to core deposits | 80.1705% | 6,080 |
| Total domestic deposits to total assets | 86.7184% | 2,643 |
| Equity capital to assets | 9.2490% | 4,773 |
| Core capital (leverage) ratio | 9.2662% | 4,029 |
| Tier 1 risk-based capital ratio | 14.8132% | 3,042 |
| Total risk-based capital ratio | 16.0017% | 3,031 |
| Memoranda: | ||
| Average total assets | $61,927,400 | 6,274 |
| Average earning assets | $58,665,600 | 6,191 |
| Average equity | $5,624,400 | 6,732 |
| Average total loans | $40,155,600 | 6,104 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 4,738 |
| Cost of funding earning assets | 1.7990% | 4,385 |
| Net interest margin | 3.6417% | 4,316 |
| Noninterest income to average assets | 0.6805% | 3,154 |
| Noninterest expense to average assets | 3.0807% | 3,719 |
| Loan and lease loss provision to assets | 0.1094% | 6,278 |
| Net operating income to assets | 0.9520% | 2,228 |
| Return on assets (ROA) | 0.9737% | 2,207 |
| Pretax return on assets | 0.9846% | 2,955 |
| Return on Equity (ROE) | 10.7739% | 1,684 |
| Retained earnings to average equity (ytd only) | 4.9875% | 2,498 |
| Net charge-offs to loans | 0.0968% | 5,703 |
| Credit loss provision to net charge-offs | 172.4138% | 2,689 |
| Earnings coverage of net charge-offs (x) | 16.8948% | 1,438 |
| Efficiency ratio | 74.1834% | 3,838 |
| Assets per employee ($millions) | 2.9231% | 6,347 |
| Cash dividends to net income (ytd only)* | 53.7079% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 5,294 |
| Loan loss allowance to noncurrent loans | 140.6433% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 5,885 |
| Noncurrent loans to loans | 0.8327% | 5,632 |
| Net loans and leases to total assets | 66.1242% | 4,402 |
| Net loans and leases to deposits | 77.1428% | 4,878 |
| Net loans and leases to core deposits | 86.8145% | 5,785 |
| Total domestic deposits to total assets | 85.7166% | 2,850 |
| Equity capital to assets | 9.5950% | 4,626 |
| Core capital (leverage) ratio | 9.6379% | 3,729 |
| Tier 1 risk-based capital ratio | 15.0523% | 3,013 |
| Total risk-based capital ratio | 16.2755% | 2,969 |
| Memoranda: | ||
| Average total assets | $60,937,250 | 6,358 |
| Average earning assets | $58,103,750 | 6,252 |
| Average equity | $5,507,000 | 6,845 |
| Average total loans | $39,963,250 | 6,160 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4863% | 4,711 |
| Cost of funding earning assets | 1.8345% | 4,585 |
| Net interest margin | 3.6518% | 4,155 |
| Noninterest income to average assets | 0.6942% | 3,026 |
| Noninterest expense to average assets | 3.0796% | 3,777 |
| Loan and lease loss provision to assets | 0.3455% | 3,855 |
| Net operating income to assets | 0.7439% | 3,072 |
| Return on assets (ROA) | 0.7765% | 3,050 |
| Pretax return on assets | 0.7863% | 3,716 |
| Return on Equity (ROE) | 8.7743% | 2,436 |
| Retained earnings to average equity (ytd only) | 2.7885% | 3,773 |
| Net charge-offs to loans | 0.1162% | 4,995 |
| Credit loss provision to net charge-offs | 456.5217% | 1,016 |
| Earnings coverage of net charge-offs (x) | 14.5217% | 1,646 |
| Efficiency ratio | 73.7008% | 4,079 |
| Assets per employee ($millions) | 2.8917% | 6,412 |
| Cash dividends to net income (ytd only)* | 68.2203% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 3,771 |
| Loan loss allowance to noncurrent loans | 146.3415% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 5,901 |
| Noncurrent loans to loans | 0.9508% | 5,321 |
| Net loans and leases to total assets | 63.0224% | 5,179 |
| Net loans and leases to deposits | 75.6882% | 5,214 |
| Net loans and leases to core deposits | 84.2547% | 6,074 |
| Total domestic deposits to total assets | 83.2658% | 4,119 |
| Equity capital to assets | 9.2926% | 4,883 |
| Core capital (leverage) ratio | 9.4184% | 4,004 |
| Tier 1 risk-based capital ratio | 15.1691% | 2,953 |
| Total risk-based capital ratio | 16.4195% | 2,887 |
| Memoranda: | ||
| Average total assets | $60,787,670 | 6,420 |
| Average earning assets | $57,999,000 | 6,314 |
| Average equity | $5,379,330 | 6,935 |
| Average total loans | $39,593,670 | 6,220 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6073% | 4,307 |
| Cost of funding earning assets | 1.8783% | 4,749 |
| Net interest margin | 3.7290% | 3,767 |
| Noninterest income to average assets | 0.6577% | 3,157 |
| Noninterest expense to average assets | 3.0517% | 3,556 |
| Loan and lease loss provision to assets | 0.3946% | 2,962 |
| Net operating income to assets | 0.7498% | 3,352 |
| Return on assets (ROA) | 0.7498% | 3,528 |
| Pretax return on assets | 0.7629% | 4,216 |
| Return on Equity (ROE) | 8.6899% | 2,843 |
| Retained earnings to average equity (ytd only) | -0.7623% | 5,829 |
| Net charge-offs to loans | -0.0100% | 7,273 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5000% | 4,105 |
| Assets per employee ($millions) | 2.8904% | 6,436 |
| Cash dividends to net income (ytd only)* | 108.7719% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 3,740 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 5,563 |
| Noncurrent loans to loans | 1.0192% | 4,961 |
| Net loans and leases to total assets | 62.1822% | 5,288 |
| Net loans and leases to deposits | 73.4162% | 5,553 |
| Net loans and leases to core deposits | 82.1236% | 6,231 |
| Total domestic deposits to total assets | 84.6983% | 3,362 |
| Equity capital to assets | 8.4713% | 6,116 |
| Core capital (leverage) ratio | 8.6672% | 5,219 |
| Tier 1 risk-based capital ratio | 14.2987% | 3,432 |
| Total risk-based capital ratio | 15.5516% | 3,352 |
| Memoranda: | ||
| Average total assets | $60,818,500 | 6,445 |
| Average earning assets | $57,924,000 | 6,341 |
| Average equity | $5,247,500 | 7,039 |
| Average total loans | $39,985,000 | 6,240 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3188% | 3,864 |
| Cost of funding earning assets | 2.5621% | 3,893 |
| Net interest margin | 3.7566% | 4,195 |
| Noninterest income to average assets | 0.6576% | 3,417 |
| Noninterest expense to average assets | 2.8410% | 4,641 |
| Loan and lease loss provision to assets | 0.2396% | 4,506 |
| Net operating income to assets | 1.0908% | 2,182 |
| Return on assets (ROA) | 1.1640% | 1,823 |
| Pretax return on assets | 1.1753% | 2,739 |
| Return on Equity (ROE) | 14.3788% | 1,033 |
| Retained earnings to average equity (ytd only) | 9.0761% | 594 |
| Net charge-offs to loans | 0.4972% | 2,374 |
| Credit loss provision to net charge-offs | 77.2021% | 5,955 |
| Earnings coverage of net charge-offs (x) | 4.3212% | 4,023 |
| Efficiency ratio | 67.9354% | 4,731 |
| Assets per employee ($millions) | 2.9018% | 6,301 |
| Cash dividends to net income (ytd only)* | 36.8785% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 5,287 |
| Loan loss allowance to noncurrent loans | 113.6139% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 5,231 |
| Noncurrent loans to loans | 0.9687% | 4,658 |
| Net loans and leases to total assets | 67.6868% | 4,515 |
| Net loans and leases to deposits | 82.2030% | 4,692 |
| Net loans and leases to core deposits | 93.3317% | 5,514 |
| Total domestic deposits to total assets | 82.3411% | 4,064 |
| Equity capital to assets | 8.7843% | 5,680 |
| Core capital (leverage) ratio | 8.5813% | 5,423 |
| Tier 1 risk-based capital ratio | 13.4906% | 3,829 |
| Total risk-based capital ratio | 14.6476% | 3,779 |
| Memoranda: | ||
| Average total assets | $62,197,000 | 6,311 |
| Average earning assets | $58,350,000 | 6,248 |
| Average equity | $5,035,200 | 7,134 |
| Average total loans | $38,817,200 | 6,232 |