Home > First Financial Bank in Winnebago > Performance and Condition Ratios
First Financial Bank in Winnebago, 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 | 5.0525% | 1,968 |
| Cost of funding earning assets | 1.3614% | 2,328 |
| Net interest margin | 3.6911% | 1,780 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.4133% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2428% | 1,551 |
| Return on assets (ROA) | 1.2111% | 1,593 |
| Pretax return on assets | 1.2893% | 1,898 |
| Return on Equity (ROE) | 12.8400% | 1,773 |
| Retained earnings to average equity (ytd only) | 5.2963% | 2,488 |
| Net charge-offs to loans | 0.0295% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 74.4000% | 1,068 |
| Efficiency ratio | 64.5883% | 2,533 |
| Assets per employee ($millions) | 6.5541% | 2,384 |
| Cash dividends to net income (ytd only)* | 58.7372% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 3,488 |
| Loan loss allowance to noncurrent loans | 959.4595% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 2,288 |
| Noncurrent loans to loans | 0.1001% | 3,039 |
| Net loans and leases to total assets | 62.0700% | 2,666 |
| Net loans and leases to deposits | 75.3003% | 2,521 |
| Net loans and leases to core deposits | 75.8479% | 2,988 |
| Total domestic deposits to total assets | 82.4200% | 3,045 |
| Equity capital to assets | 10.0209% | 1,994 |
| Core capital (leverage) ratio | 13.5736% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2576% | 868 |
| Memoranda: | ||
| Average total assets | $56,230,600 | 4,254 |
| Average earning assets | $53,696,600 | 4,211 |
| Average equity | $5,305,600 | 4,231 |
| Average total loans | $33,912,000 | 4,080 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 1,936 |
| Cost of funding earning assets | 1.2299% | 2,332 |
| Net interest margin | 3.7250% | 1,727 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.3189% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4547% | 1,213 |
| Return on assets (ROA) | 1.4259% | 1,246 |
| Pretax return on assets | 1.4259% | 1,723 |
| Return on Equity (ROE) | 15.3700% | 1,381 |
| Retained earnings to average equity (ytd only) | 7.6052% | 2,103 |
| Net charge-offs to loans | 0.0040% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 606.0000% | 256 |
| Efficiency ratio | 61.4504% | 2,789 |
| Assets per employee ($millions) | 6.3258% | 2,474 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 3,250 |
| Loan loss allowance to noncurrent loans | 60.2649% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 377 |
| Noncurrent loans to loans | 1.6948% | 400 |
| Net loans and leases to total assets | 61.9600% | 2,659 |
| Net loans and leases to deposits | 72.9631% | 2,648 |
| Net loans and leases to core deposits | 73.4921% | 3,023 |
| Total domestic deposits to total assets | 84.9200% | 2,520 |
| Equity capital to assets | 8.4329% | 2,762 |
| Core capital (leverage) ratio | 13.8621% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5386% | 879 |
| Memoranda: | ||
| Average total assets | $55,541,500 | 4,273 |
| Average earning assets | $53,009,500 | 4,234 |
| Average equity | $5,154,250 | 4,259 |
| Average total loans | $33,148,500 | 4,112 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 2,000 |
| Cost of funding earning assets | 1.0583% | 2,424 |
| Net interest margin | 3.7383% | 1,739 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.3530% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4343% | 1,249 |
| Return on assets (ROA) | 1.3908% | 1,334 |
| Pretax return on assets | 1.3908% | 1,837 |
| Return on Equity (ROE) | 14.5300% | 1,568 |
| Retained earnings to average equity (ytd only) | 6.9423% | 2,300 |
| Net charge-offs to loans | -0.0186% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.1285% | 2,699 |
| Assets per employee ($millions) | 6.0081% | 2,704 |
| Cash dividends to net income (ytd only)* | 52.2193% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 2,725 |
| Loan loss allowance to noncurrent loans | 311.8644% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 1,495 |
| Noncurrent loans to loans | 0.3676% | 1,827 |
| Net loans and leases to total assets | 58.6800% | 2,899 |
| Net loans and leases to deposits | 68.4898% | 2,898 |
| Net loans and leases to core deposits | 69.5557% | 3,154 |
| Total domestic deposits to total assets | 85.6800% | 2,335 |
| Equity capital to assets | 9.7812% | 1,984 |
| Core capital (leverage) ratio | 13.9713% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8859% | 731 |
| Memoranda: | ||
| Average total assets | $55,078,000 | 4,298 |
| Average earning assets | $52,537,000 | 4,262 |
| Average equity | $5,272,000 | 4,272 |
| Average total loans | $32,318,667 | 4,131 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 1,961 |
| Cost of funding earning assets | 0.8596% | 2,511 |
| Net interest margin | 3.7927% | 1,704 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.3030% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5545% | 1,071 |
| Return on assets (ROA) | 1.5545% | 1,065 |
| Pretax return on assets | 1.5545% | 1,569 |
| Return on Equity (ROE) | 16.4100% | 1,280 |
| Retained earnings to average equity (ytd only) | 8.8154% | 2,000 |
| Net charge-offs to loans | -0.0247% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.7015% | 2,993 |
| Assets per employee ($millions) | 5.5562% | 3,160 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,547 |
| Loan loss allowance to noncurrent loans | 207.3446% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 1,129 |
| Noncurrent loans to loans | 0.5791% | 1,285 |
| Net loans and leases to total assets | 54.3500% | 3,173 |
| Net loans and leases to deposits | 60.4783% | 3,305 |
| Net loans and leases to core deposits | 61.3481% | 3,482 |
| Total domestic deposits to total assets | 89.8700% | 1,205 |
| Equity capital to assets | 9.9510% | 1,841 |
| Core capital (leverage) ratio | 13.6770% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1777% | 725 |
| Memoranda: | ||
| Average total assets | $55,580,500 | 4,359 |
| Average earning assets | $53,049,000 | 4,316 |
| Average equity | $5,263,500 | 4,327 |
| Average total loans | $32,428,000 | 4,192 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 1,736 |
| Cost of funding earning assets | 0.4040% | 2,064 |
| Net interest margin | 3.5884% | 1,680 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.4129% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1439% | 1,997 |
| Return on assets (ROA) | 1.0959% | 2,132 |
| Pretax return on assets | 1.1825% | 2,500 |
| Return on Equity (ROE) | 10.2200% | 2,742 |
| Retained earnings to average equity (ytd only) | 2.2839% | 3,921 |
| Net charge-offs to loans | -0.0092% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.1616% | 2,210 |
| Assets per employee ($millions) | 5.5599% | 3,158 |
| Cash dividends to net income (ytd only)* | 77.6471% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,062 |
| Loan loss allowance to noncurrent loans | 154.6610% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 1,212 |
| Noncurrent loans to loans | 0.6882% | 1,088 |
| Net loans and leases to total assets | 61.0200% | 2,552 |
| Net loans and leases to deposits | 71.5889% | 2,445 |
| Net loans and leases to core deposits | 72.7090% | 2,666 |
| Total domestic deposits to total assets | 85.2400% | 2,925 |
| Equity capital to assets | 8.9894% | 2,364 |
| Core capital (leverage) ratio | 13.9398% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8367% | 852 |
| Memoranda: | ||
| Average total assets | $54,292,200 | 4,395 |
| Average earning assets | $52,224,400 | 4,350 |
| Average equity | $5,823,400 | 4,348 |
| Average total loans | $32,462,000 | 4,202 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 1,683 |
| Cost of funding earning assets | 0.3051% | 2,108 |
| Net interest margin | 3.5155% | 1,623 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.4015% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2081% | 1,671 |
| Return on assets (ROA) | 1.2081% | 1,645 |
| Pretax return on assets | 1.2081% | 2,336 |
| Return on Equity (ROE) | 10.8100% | 2,463 |
| Retained earnings to average equity (ytd only) | 4.0686% | 3,420 |
| Net charge-offs to loans | -0.0083% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.5298% | 2,212 |
| Assets per employee ($millions) | 5.3484% | 3,378 |
| Cash dividends to net income (ytd only)* | 62.3722% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 2,894 |
| Loan loss allowance to noncurrent loans | 180.1980% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 1,432 |
| Noncurrent loans to loans | 0.6260% | 1,300 |
| Net loans and leases to total assets | 59.6500% | 2,540 |
| Net loans and leases to deposits | 67.7245% | 2,558 |
| Net loans and leases to core deposits | 68.7875% | 2,738 |
| Total domestic deposits to total assets | 88.0800% | 2,405 |
| Equity capital to assets | 9.1803% | 2,100 |
| Core capital (leverage) ratio | 13.9493% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7955% | 752 |
| Memoranda: | ||
| Average total assets | $53,965,500 | 4,431 |
| Average earning assets | $51,997,250 | 4,386 |
| Average equity | $6,029,750 | 4,370 |
| Average total loans | $32,004,750 | 4,234 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6079% | 1,823 |
| Cost of funding earning assets | 0.2640% | 2,102 |
| Net interest margin | 3.3439% | 1,777 |
| Noninterest income to average assets | 0.2291% | 3,817 |
| Noninterest expense to average assets | 2.3796% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0790% | 1,861 |
| Return on assets (ROA) | 1.0790% | 1,839 |
| Pretax return on assets | 1.0790% | 2,486 |
| Return on Equity (ROE) | 9.1207% | 2,660 |
| Retained earnings to average equity (ytd only) | 2.7175% | 3,541 |
| Net charge-offs to loans | -0.0125% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8034% | 2,127 |
| Assets per employee ($millions) | 5.2860% | 3,442 |
| Cash dividends to net income (ytd only)* | 70.2055% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,785 |
| Loan loss allowance to noncurrent loans | 126.3889% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 1,045 |
| Noncurrent loans to loans | 0.9352% | 895 |
| Net loans and leases to total assets | 57.5709% | 2,573 |
| Net loans and leases to deposits | 64.3682% | 2,683 |
| Net loans and leases to core deposits | 65.3735% | 2,867 |
| Total domestic deposits to total assets | 89.4400% | 1,982 |
| Equity capital to assets | 10.3859% | 1,487 |
| Core capital (leverage) ratio | 13.7878% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1428% | 697 |
| Memoranda: | ||
| Average total assets | $54,126,000 | 4,471 |
| Average earning assets | $52,274,000 | 4,437 |
| Average equity | $6,403,000 | 4,376 |
| Average total loans | $31,916,667 | 4,285 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 2,018 |
| Cost of funding earning assets | 0.2629% | 2,008 |
| Net interest margin | 3.1618% | 1,988 |
| Noninterest income to average assets | 0.2849% | 3,426 |
| Noninterest expense to average assets | 2.3667% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9934% | 1,900 |
| Return on assets (ROA) | 0.9934% | 1,898 |
| Pretax return on assets | 0.9934% | 2,459 |
| Return on Equity (ROE) | 7.9306% | 2,714 |
| Retained earnings to average equity (ytd only) | 1.8077% | 3,593 |
| Net charge-offs to loans | -0.0123% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4348% | 2,167 |
| Assets per employee ($millions) | 5.6011% | 3,230 |
| Cash dividends to net income (ytd only)* | 77.2059% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,127 |
| Loan loss allowance to noncurrent loans | 126.9231% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 1,177 |
| Noncurrent loans to loans | 0.9020% | 1,023 |
| Net loans and leases to total assets | 55.9622% | 2,532 |
| Net loans and leases to deposits | 63.2070% | 2,602 |
| Net loans and leases to core deposits | 64.1790% | 2,783 |
| Total domestic deposits to total assets | 88.5380% | 2,281 |
| Equity capital to assets | 11.3263% | 1,183 |
| Core capital (leverage) ratio | 13.2435% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3277% | 713 |
| Memoranda: | ||
| Average total assets | $54,759,000 | 4,488 |
| Average earning assets | $53,261,000 | 4,449 |
| Average equity | $6,859,500 | 4,373 |
| Average total loans | $32,477,000 | 4,287 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 1,439 |
| Cost of funding earning assets | 0.2915% | 2,485 |
| Net interest margin | 3.6762% | 1,273 |
| Noninterest income to average assets | 0.2173% | 4,063 |
| Noninterest expense to average assets | 2.5024% | 2,174 |
| Loan and lease loss provision to assets | 0.0194% | 2,683 |
| Net operating income to assets | 1.1636% | 2,043 |
| Return on assets (ROA) | 1.1154% | 2,291 |
| Pretax return on assets | 1.2143% | 2,615 |
| Return on Equity (ROE) | 7.6905% | 3,322 |
| Retained earnings to average equity (ytd only) | 1.0031% | 4,258 |
| Net charge-offs to loans | -0.0156% | 3,889 |
| Credit loss provision to net charge-offs | -200.0000% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0522% | 2,253 |
| Assets per employee ($millions) | 5.3507% | 3,415 |
| Cash dividends to net income (ytd only)* | 86.9565% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,400 |
| Loan loss allowance to noncurrent loans | 121.4765% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 938 |
| Noncurrent loans to loans | 0.8963% | 1,129 |
| Net loans and leases to total assets | 61.4574% | 2,010 |
| Net loans and leases to deposits | 71.3721% | 1,974 |
| Net loans and leases to core deposits | 72.5516% | 2,204 |
| Total domestic deposits to total assets | 86.1084% | 2,861 |
| Equity capital to assets | 13.7832% | 708 |
| Core capital (leverage) ratio | 13.3224% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8863% | 772 |
| Memoranda: | ||
| Average total assets | $51,550,800 | 4,548 |
| Average earning assets | $50,079,200 | 4,508 |
| Average equity | $7,476,800 | 4,381 |
| Average total loans | $32,060,600 | 4,336 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6504% | 2,416 |
| Cost of funding earning assets | 0.3013% | 2,581 |
| Net interest margin | 3.3491% | 2,293 |
| Noninterest income to average assets | 0.4047% | 3,058 |
| Noninterest expense to average assets | 2.4884% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1646% | 2,307 |
| Return on assets (ROA) | 1.1672% | 2,352 |
| Pretax return on assets | 1.1698% | 3,018 |
| Return on Equity (ROE) | 7.9441% | 3,419 |
| Retained earnings to average equity (ytd only) | 2.6125% | 4,028 |
| Net charge-offs to loans | -0.0168% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0714% | 1,821 |
| Assets per employee ($millions) | 5.2102% | 3,491 |
| Cash dividends to net income (ytd only)* | 67.1141% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,381 |
| Loan loss allowance to noncurrent loans | 394.3820% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 2,266 |
| Noncurrent loans to loans | 0.2823% | 2,786 |
| Net loans and leases to total assets | 59.8422% | 2,281 |
| Net loans and leases to deposits | 70.1945% | 2,221 |
| Net loans and leases to core deposits | 71.4459% | 2,471 |
| Total domestic deposits to total assets | 85.2520% | 3,030 |
| Equity capital to assets | 14.4447% | 648 |
| Core capital (leverage) ratio | 14.2601% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7525% | 549 |
| Memoranda: | ||
| Average total assets | $51,061,750 | 4,615 |
| Average earning assets | $49,564,750 | 4,576 |
| Average equity | $7,502,250 | 4,441 |
| Average total loans | $31,764,250 | 4,406 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 2,544 |
| Cost of funding earning assets | 0.3087% | 2,691 |
| Net interest margin | 3.3181% | 2,391 |
| Noninterest income to average assets | 0.2484% | 3,912 |
| Noninterest expense to average assets | 2.4805% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9859% | 2,939 |
| Return on assets (ROA) | 0.9859% | 3,028 |
| Pretax return on assets | 0.9898% | 3,465 |
| Return on Equity (ROE) | 6.6717% | 3,739 |
| Retained earnings to average equity (ytd only) | 1.3343% | 4,271 |
| Net charge-offs to loans | -0.0126% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4773% | 1,479 |
| Assets per employee ($millions) | 5.2207% | 3,434 |
| Cash dividends to net income (ytd only)* | 80.0000% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 3,019 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 59.7908% | 2,452 |
| Net loans and leases to deposits | 70.1823% | 2,388 |
| Net loans and leases to core deposits | 71.4302% | 2,653 |
| Total domestic deposits to total assets | 85.1936% | 3,019 |
| Equity capital to assets | 14.3908% | 641 |
| Core capital (leverage) ratio | 14.3272% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0482% | 611 |
| Memoranda: | ||
| Average total assets | $50,715,000 | 4,647 |
| Average earning assets | $49,244,667 | 4,611 |
| Average equity | $7,494,333 | 4,469 |
| Average total loans | $31,842,333 | 4,436 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6653% | 2,458 |
| Cost of funding earning assets | 0.3377% | 2,643 |
| Net interest margin | 3.3276% | 2,307 |
| Noninterest income to average assets | 0.1681% | 4,358 |
| Noninterest expense to average assets | 2.4575% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9366% | 3,023 |
| Return on assets (ROA) | 0.9366% | 3,099 |
| Pretax return on assets | 0.9446% | 3,507 |
| Return on Equity (ROE) | 6.2525% | 3,788 |
| Retained earnings to average equity (ytd only) | 0.9085% | 4,234 |
| Net charge-offs to loans | -0.0250% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2353% | 1,470 |
| Assets per employee ($millions) | 5.0596% | 3,583 |
| Cash dividends to net income (ytd only)* | 85.4701% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 3,195 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 62.5227% | 2,232 |
| Net loans and leases to deposits | 73.4820% | 2,159 |
| Net loans and leases to core deposits | 74.8309% | 2,443 |
| Total domestic deposits to total assets | 85.0858% | 3,060 |
| Equity capital to assets | 14.5624% | 560 |
| Core capital (leverage) ratio | 14.4883% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8503% | 595 |
| Memoranda: | ||
| Average total assets | $49,969,000 | 4,670 |
| Average earning assets | $48,563,000 | 4,638 |
| Average equity | $7,485,000 | 4,484 |
| Average total loans | $31,981,500 | 4,450 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 1,440 |
| Cost of funding earning assets | 0.6078% | 2,256 |
| Net interest margin | 3.8415% | 1,389 |
| Noninterest income to average assets | 0.1425% | 4,580 |
| Noninterest expense to average assets | 2.5068% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3126% | 1,213 |
| Return on assets (ROA) | 1.3849% | 1,148 |
| Pretax return on assets | 1.3869% | 1,696 |
| Return on Equity (ROE) | 9.3334% | 2,269 |
| Retained earnings to average equity (ytd only) | 2.5701% | 3,563 |
| Net charge-offs to loans | 0.0745% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 25.1923% | 1,751 |
| Efficiency ratio | 65.5987% | 2,592 |
| Assets per employee ($millions) | 4.9342% | 3,460 |
| Cash dividends to net income (ytd only)* | 72.4638% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,530 |
| Loan loss allowance to noncurrent loans | 333.6538% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 2,362 |
| Noncurrent loans to loans | 0.3252% | 3,039 |
| Net loans and leases to total assets | 64.1097% | 2,344 |
| Net loans and leases to deposits | 75.9204% | 2,288 |
| Net loans and leases to core deposits | 78.9010% | 2,465 |
| Total domestic deposits to total assets | 84.4433% | 2,970 |
| Equity capital to assets | 15.4068% | 500 |
| Core capital (leverage) ratio | 14.4022% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1313% | 652 |
| Memoranda: | ||
| Average total assets | $49,824,000 | 4,653 |
| Average earning assets | $47,716,000 | 4,622 |
| Average equity | $7,392,800 | 4,488 |
| Average total loans | $34,892,200 | 4,409 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 1,727 |
| Cost of funding earning assets | 0.6626% | 2,249 |
| Net interest margin | 3.7799% | 1,680 |
| Noninterest income to average assets | 0.1468% | 4,568 |
| Noninterest expense to average assets | 2.5388% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2147% | 1,597 |
| Return on assets (ROA) | 1.3108% | 1,423 |
| Pretax return on assets | 1.3134% | 1,995 |
| Return on Equity (ROE) | 8.9183% | 2,427 |
| Retained earnings to average equity (ytd only) | 3.4693% | 3,320 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5906% | 2,239 |
| Assets per employee ($millions) | 5.0508% | 3,181 |
| Cash dividends to net income (ytd only)* | 61.0998% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,480 |
| Loan loss allowance to noncurrent loans | 321.5517% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 1,740 |
| Noncurrent loans to loans | 0.3256% | 3,119 |
| Net loans and leases to total assets | 69.7929% | 1,983 |
| Net loans and leases to deposits | 84.8155% | 1,829 |
| Net loans and leases to core deposits | 88.1517% | 2,130 |
| Total domestic deposits to total assets | 82.2880% | 3,345 |
| Equity capital to assets | 14.9996% | 637 |
| Core capital (leverage) ratio | 14.5096% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1784% | 885 |
| Memoranda: | ||
| Average total assets | $49,944,500 | 4,676 |
| Average earning assets | $47,689,750 | 4,642 |
| Average equity | $7,340,500 | 4,515 |
| Average total loans | $35,620,250 | 4,423 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 1,846 |
| Cost of funding earning assets | 0.7352% | 2,200 |
| Net interest margin | 3.7900% | 1,866 |
| Noninterest income to average assets | 0.1527% | 4,531 |
| Noninterest expense to average assets | 2.5605% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1938% | 1,657 |
| Return on assets (ROA) | 1.3385% | 1,350 |
| Pretax return on assets | 1.3425% | 1,891 |
| Return on Equity (ROE) | 9.1710% | 2,286 |
| Retained earnings to average equity (ytd only) | 3.6629% | 3,091 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1283% | 2,218 |
| Assets per employee ($millions) | 5.0304% | 3,135 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,308 |
| Loan loss allowance to noncurrent loans | 1,776.1905% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 1,530 |
| Noncurrent loans to loans | 0.0593% | 4,236 |
| Net loans and leases to total assets | 69.7022% | 2,076 |
| Net loans and leases to deposits | 83.2396% | 2,070 |
| Net loans and leases to core deposits | 87.4324% | 2,309 |
| Total domestic deposits to total assets | 83.7369% | 2,833 |
| Equity capital to assets | 14.8875% | 636 |
| Core capital (leverage) ratio | 14.3064% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8350% | 788 |
| Memoranda: | ||
| Average total assets | $49,756,667 | 4,694 |
| Average earning assets | $47,335,667 | 4,667 |
| Average equity | $7,262,000 | 4,546 |
| Average total loans | $35,619,000 | 4,437 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 1,929 |
| Cost of funding earning assets | 0.8046% | 2,367 |
| Net interest margin | 3.8197% | 1,903 |
| Noninterest income to average assets | 0.1617% | 4,566 |
| Noninterest expense to average assets | 2.6191% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1831% | 1,576 |
| Return on assets (ROA) | 1.4712% | 907 |
| Pretax return on assets | 1.4793% | 1,357 |
| Return on Equity (ROE) | 10.1840% | 1,685 |
| Retained earnings to average equity (ytd only) | 4.5884% | 2,462 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7898% | 2,541 |
| Assets per employee ($millions) | 5.0125% | 2,634 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,517 |
| Loan loss allowance to noncurrent loans | 6,216.6667% | 111 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 1,037 |
| Noncurrent loans to loans | 0.0167% | 4,504 |
| Net loans and leases to total assets | 71.1182% | 2,070 |
| Net loans and leases to deposits | 93.6749% | 1,106 |
| Net loans and leases to core deposits | 97.8105% | 1,646 |
| Total domestic deposits to total assets | 75.9202% | 4,494 |
| Equity capital to assets | 14.2145% | 997 |
| Core capital (leverage) ratio | 14.9360% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3896% | 1,085 |
| Memoranda: | ||
| Average total assets | $49,483,000 | 4,717 |
| Average earning assets | $47,229,000 | 4,689 |
| Average equity | $7,148,500 | 4,586 |
| Average total loans | $35,710,500 | 4,459 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 1,728 |
| Cost of funding earning assets | 0.9376% | 2,025 |
| Net interest margin | 3.9711% | 1,938 |
| Noninterest income to average assets | 0.2341% | 4,279 |
| Noninterest expense to average assets | 2.5704% | 3,258 |
| Loan and lease loss provision to assets | 0.0759% | 2,476 |
| Net operating income to assets | 1.3453% | 1,523 |
| Return on assets (ROA) | 1.3453% | 1,602 |
| Pretax return on assets | 1.3474% | 2,340 |
| Return on Equity (ROE) | 9.0243% | 2,745 |
| Retained earnings to average equity (ytd only) | 2.6592% | 3,707 |
| Net charge-offs to loans | -0.1781% | 5,045 |
| Credit loss provision to net charge-offs | -61.0169% | 4,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3611% | 3,026 |
| Assets per employee ($millions) | 5.4268% | 2,133 |
| Cash dividends to net income (ytd only)* | 70.5329% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,200 |
| Loan loss allowance to noncurrent loans | 4,144.4444% | 171 |
| Noncurrent assets plus other real estate owned to assets | 1.2387% | 924 |
| Noncurrent loans to loans | 0.0254% | 4,463 |
| Net loans and leases to total assets | 71.7164% | 2,131 |
| Net loans and leases to deposits | 88.0761% | 1,832 |
| Net loans and leases to core deposits | 91.7874% | 2,251 |
| Total domestic deposits to total assets | 81.4254% | 3,672 |
| Equity capital to assets | 14.6844% | 869 |
| Core capital (leverage) ratio | 14.9309% | 703 |
| Tier 1 risk-based capital ratio | 17.8983% | 1,787 |
| Total risk-based capital ratio | 18.8441% | 1,821 |
| Memoranda: | ||
| Average total assets | $47,425,200 | 4,793 |
| Average earning assets | $44,899,600 | 4,769 |
| Average equity | $7,069,800 | 4,633 |
| Average total loans | $33,120,000 | 4,578 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 1,864 |
| Cost of funding earning assets | 0.9641% | 1,916 |
| Net interest margin | 3.9195% | 2,194 |
| Noninterest income to average assets | 0.2663% | 4,147 |
| Noninterest expense to average assets | 2.4756% | 3,505 |
| Loan and lease loss provision to assets | 0.0765% | 2,368 |
| Net operating income to assets | 1.4191% | 1,412 |
| Return on assets (ROA) | 1.4191% | 1,469 |
| Pretax return on assets | 1.4219% | 2,219 |
| Return on Equity (ROE) | 9.4826% | 2,681 |
| Retained earnings to average equity (ytd only) | 4.3722% | 3,211 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2951% | 3,278 |
| Assets per employee ($millions) | 5.2772% | 2,253 |
| Cash dividends to net income (ytd only)* | 53.8923% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 3,951 |
| Loan loss allowance to noncurrent loans | 240.1575% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 1.9286% | 473 |
| Noncurrent loans to loans | 0.3847% | 3,173 |
| Net loans and leases to total assets | 68.8620% | 2,649 |
| Net loans and leases to deposits | 85.4523% | 2,267 |
| Net loans and leases to core deposits | 89.1974% | 2,617 |
| Total domestic deposits to total assets | 80.5853% | 3,849 |
| Equity capital to assets | 15.2142% | 791 |
| Core capital (leverage) ratio | 14.8368% | 775 |
| Tier 1 risk-based capital ratio | 18.7939% | 1,611 |
| Total risk-based capital ratio | 19.5999% | 1,692 |
| Memoranda: | ||
| Average total assets | $47,071,250 | 4,871 |
| Average earning assets | $44,528,500 | 4,844 |
| Average equity | $7,044,250 | 4,692 |
| Average total loans | $32,550,000 | 4,654 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 1,919 |
| Cost of funding earning assets | 1.0076% | 1,659 |
| Net interest margin | 3.8369% | 2,450 |
| Noninterest income to average assets | 0.3111% | 3,848 |
| Noninterest expense to average assets | 2.4888% | 3,517 |
| Loan and lease loss provision to assets | 0.0767% | 2,283 |
| Net operating income to assets | 1.3765% | 1,492 |
| Return on assets (ROA) | 1.3765% | 1,554 |
| Pretax return on assets | 1.3808% | 2,256 |
| Return on Equity (ROE) | 9.2502% | 2,757 |
| Retained earnings to average equity (ytd only) | 4.0953% | 3,199 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0670% | 3,274 |
| Assets per employee ($millions) | 5.3092% | 2,143 |
| Cash dividends to net income (ytd only)* | 55.7276% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8658% | 4,215 |
| Loan loss allowance to noncurrent loans | 238.7097% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 1.9107% | 501 |
| Noncurrent loans to loans | 0.3627% | 3,228 |
| Net loans and leases to total assets | 70.9269% | 2,403 |
| Net loans and leases to deposits | 88.4490% | 1,949 |
| Net loans and leases to core deposits | 91.6939% | 2,440 |
| Total domestic deposits to total assets | 80.1896% | 4,000 |
| Equity capital to assets | 14.9342% | 832 |
| Core capital (leverage) ratio | 14.5217% | 820 |
| Tier 1 risk-based capital ratio | 18.3509% | 1,708 |
| Total risk-based capital ratio | 19.1243% | 1,791 |
| Memoranda: | ||
| Average total assets | $46,930,000 | 4,911 |
| Average earning assets | $44,463,000 | 4,883 |
| Average equity | $6,983,670 | 4,730 |
| Average total loans | $32,396,330 | 4,694 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 2,043 |
| Cost of funding earning assets | 0.9839% | 1,636 |
| Net interest margin | 3.7717% | 2,624 |
| Noninterest income to average assets | 0.2408% | 4,281 |
| Noninterest expense to average assets | 2.4514% | 3,627 |
| Loan and lease loss provision to assets | 0.0774% | 2,134 |
| Net operating income to assets | 1.2644% | 1,835 |
| Return on assets (ROA) | 1.2644% | 1,883 |
| Pretax return on assets | 1.2730% | 2,559 |
| Return on Equity (ROE) | 8.5125% | 3,036 |
| Retained earnings to average equity (ytd only) | 3.3008% | 3,597 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4796% | 3,166 |
| Assets per employee ($millions) | 5.1820% | 2,301 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,211 |
| Loan loss allowance to noncurrent loans | 190.0662% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 2.0134% | 484 |
| Noncurrent loans to loans | 0.4674% | 2,910 |
| Net loans and leases to total assets | 68.6565% | 2,667 |
| Net loans and leases to deposits | 94.0409% | 1,174 |
| Net loans and leases to core deposits | 95.0318% | 2,024 |
| Total domestic deposits to total assets | 73.0070% | 4,997 |
| Equity capital to assets | 14.9277% | 768 |
| Core capital (leverage) ratio | 14.8080% | 741 |
| Tier 1 risk-based capital ratio | 18.8394% | 1,578 |
| Total risk-based capital ratio | 19.6188% | 1,637 |
| Memoranda: | ||
| Average total assets | $46,503,500 | 4,966 |
| Average earning assets | $43,905,500 | 4,945 |
| Average equity | $6,907,500 | 4,771 |
| Average total loans | $31,501,000 | 4,761 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 2,669 |
| Cost of funding earning assets | 0.6587% | 2,334 |
| Net interest margin | 3.7686% | 2,788 |
| Noninterest income to average assets | 0.1757% | 4,845 |
| Noninterest expense to average assets | 2.5956% | 3,346 |
| Loan and lease loss provision to assets | 0.0811% | 2,506 |
| Net operating income to assets | 1.0545% | 2,784 |
| Return on assets (ROA) | 1.0545% | 2,771 |
| Pretax return on assets | 1.0567% | 3,421 |
| Return on Equity (ROE) | 6.8737% | 3,869 |
| Retained earnings to average equity (ytd only) | 1.4394% | 4,557 |
| Net charge-offs to loans | -0.0035% | 4,297 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5232% | 2,278 |
| Assets per employee ($millions) | 5.1521% | 2,323 |
| Cash dividends to net income (ytd only)* | 79.0598% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 4,130 |
| Loan loss allowance to noncurrent loans | 213.8462% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 1.9819% | 485 |
| Noncurrent loans to loans | 0.4235% | 3,023 |
| Net loans and leases to total assets | 65.5977% | 3,184 |
| Net loans and leases to deposits | 87.7101% | 2,083 |
| Net loans and leases to core deposits | 88.6147% | 2,692 |
| Total domestic deposits to total assets | 74.7892% | 4,892 |
| Equity capital to assets | 14.7793% | 769 |
| Core capital (leverage) ratio | 15.2117% | 643 |
| Tier 1 risk-based capital ratio | 19.4236% | 1,420 |
| Total risk-based capital ratio | 20.2083% | 1,487 |
| Memoranda: | ||
| Average total assets | $44,383,200 | 5,044 |
| Average earning assets | $41,898,800 | 5,020 |
| Average equity | $6,808,600 | 4,773 |
| Average total loans | $28,718,800 | 4,850 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 2,735 |
| Cost of funding earning assets | 0.6134% | 2,384 |
| Net interest margin | 3.7545% | 2,812 |
| Noninterest income to average assets | 0.2187% | 4,656 |
| Noninterest expense to average assets | 2.5672% | 3,393 |
| Loan and lease loss provision to assets | 0.0820% | 2,309 |
| Net operating income to assets | 1.1180% | 2,587 |
| Return on assets (ROA) | 1.1180% | 2,603 |
| Pretax return on assets | 1.1210% | 3,315 |
| Return on Equity (ROE) | 7.2181% | 3,853 |
| Retained earnings to average equity (ytd only) | 2.2164% | 4,497 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0902% | 2,521 |
| Assets per employee ($millions) | 4.8208% | 2,695 |
| Cash dividends to net income (ytd only)* | 69.2938% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,055 |
| Loan loss allowance to noncurrent loans | 205.3435% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 2.2011% | 446 |
| Noncurrent loans to loans | 0.4617% | 3,001 |
| Net loans and leases to total assets | 64.7775% | 3,336 |
| Net loans and leases to deposits | 83.0796% | 2,700 |
| Net loans and leases to core deposits | 83.9582% | 3,159 |
| Total domestic deposits to total assets | 77.9704% | 4,488 |
| Equity capital to assets | 15.6844% | 586 |
| Core capital (leverage) ratio | 15.5993% | 582 |
| Tier 1 risk-based capital ratio | 20.7849% | 1,213 |
| Total risk-based capital ratio | 21.5956% | 1,251 |
| Memoranda: | ||
| Average total assets | $43,886,750 | 5,113 |
| Average earning assets | $41,513,500 | 5,082 |
| Average equity | $6,797,500 | 4,825 |
| Average total loans | $28,224,750 | 4,915 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 2,961 |
| Cost of funding earning assets | 0.5522% | 2,593 |
| Net interest margin | 3.6927% | 2,960 |
| Noninterest income to average assets | 0.2134% | 4,739 |
| Noninterest expense to average assets | 2.5469% | 3,492 |
| Loan and lease loss provision to assets | 0.0817% | 2,274 |
| Net operating income to assets | 1.0714% | 2,703 |
| Return on assets (ROA) | 1.0714% | 2,708 |
| Pretax return on assets | 1.0760% | 3,403 |
| Return on Equity (ROE) | 6.9463% | 3,921 |
| Retained earnings to average equity (ytd only) | 1.9426% | 4,479 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 2,520 |
| Assets per employee ($millions) | 4.9631% | 2,470 |
| Cash dividends to net income (ytd only)* | 72.0339% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 4,331 |
| Loan loss allowance to noncurrent loans | 178.0822% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 2.1716% | 459 |
| Noncurrent loans to loans | 0.5069% | 2,899 |
| Net loans and leases to total assets | 63.8981% | 3,414 |
| Net loans and leases to deposits | 82.4723% | 2,716 |
| Net loans and leases to core deposits | 83.3221% | 3,139 |
| Total domestic deposits to total assets | 77.4783% | 4,667 |
| Equity capital to assets | 15.1966% | 652 |
| Core capital (leverage) ratio | 15.6476% | 548 |
| Tier 1 risk-based capital ratio | 20.2874% | 1,273 |
| Total risk-based capital ratio | 21.0576% | 1,328 |
| Memoranda: | ||
| Average total assets | $44,053,330 | 5,167 |
| Average earning assets | $41,649,330 | 5,139 |
| Average equity | $6,795,000 | 4,879 |
| Average total loans | $28,175,000 | 4,969 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 3,128 |
| Cost of funding earning assets | 0.5320% | 2,530 |
| Net interest margin | 3.5982% | 3,189 |
| Noninterest income to average assets | 0.2286% | 4,637 |
| Noninterest expense to average assets | 2.4779% | 3,719 |
| Loan and lease loss provision to assets | 0.0823% | 2,146 |
| Net operating income to assets | 1.0607% | 2,604 |
| Return on assets (ROA) | 1.0607% | 2,614 |
| Pretax return on assets | 1.0698% | 3,281 |
| Return on Equity (ROE) | 6.8250% | 3,853 |
| Retained earnings to average equity (ytd only) | 1.8239% | 4,407 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2620% | 2,792 |
| Assets per employee ($millions) | 4.2734% | 3,528 |
| Cash dividends to net income (ytd only)* | 73.2759% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 4,329 |
| Loan loss allowance to noncurrent loans | 197.6378% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 2.2067% | 470 |
| Noncurrent loans to loans | 0.4684% | 3,125 |
| Net loans and leases to total assets | 62.8610% | 3,439 |
| Net loans and leases to deposits | 75.3584% | 3,283 |
| Net loans and leases to core deposits | 76.1099% | 3,660 |
| Total domestic deposits to total assets | 83.4160% | 3,535 |
| Equity capital to assets | 15.8422% | 512 |
| Core capital (leverage) ratio | 15.9183% | 498 |
| Tier 1 risk-based capital ratio | 21.3525% | 1,147 |
| Total risk-based capital ratio | 22.1390% | 1,191 |
| Memoranda: | ||
| Average total assets | $43,746,000 | 5,229 |
| Average earning assets | $41,354,500 | 5,204 |
| Average equity | $6,798,500 | 4,931 |
| Average total loans | $27,861,500 | 5,025 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 2,495 |
| Cost of funding earning assets | 0.4971% | 2,358 |
| Net interest margin | 3.7524% | 2,593 |
| Noninterest income to average assets | 0.2755% | 4,480 |
| Noninterest expense to average assets | 2.6131% | 3,404 |
| Loan and lease loss provision to assets | 0.0813% | 2,574 |
| Net operating income to assets | 1.1247% | 1,771 |
| Return on assets (ROA) | 1.1021% | 1,869 |
| Pretax return on assets | 1.1044% | 3,170 |
| Return on Equity (ROE) | 7.1183% | 3,212 |
| Retained earnings to average equity (ytd only) | 0.9919% | 4,629 |
| Net charge-offs to loans | 0.2394% | 1,085 |
| Credit loss provision to net charge-offs | 53.7313% | 3,289 |
| Earnings coverage of net charge-offs (x) | 7.9851% | 2,969 |
| Efficiency ratio | 68.3806% | 2,823 |
| Assets per employee ($millions) | 4.4758% | 3,225 |
| Cash dividends to net income (ytd only)* | 86.0656% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 4,689 |
| Loan loss allowance to noncurrent loans | 178.5185% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 2.1248% | 505 |
| Noncurrent loans to loans | 0.4719% | 3,093 |
| Net loans and leases to total assets | 63.3808% | 3,443 |
| Net loans and leases to deposits | 75.3226% | 3,407 |
| Net loans and leases to core deposits | 76.0312% | 3,742 |
| Total domestic deposits to total assets | 84.1459% | 3,148 |
| Equity capital to assets | 15.2531% | 634 |
| Core capital (leverage) ratio | 15.4929% | 543 |
| Tier 1 risk-based capital ratio | 20.5148% | 1,221 |
| Total risk-based capital ratio | 21.2438% | 1,286 |
| Memoranda: | ||
| Average total assets | $44,277,200 | 5,267 |
| Average earning assets | $41,839,800 | 5,236 |
| Average equity | $6,855,600 | 4,962 |
| Average total loans | $27,991,400 | 5,066 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 2,429 |
| Cost of funding earning assets | 0.4983% | 2,282 |
| Net interest margin | 3.7536% | 2,565 |
| Noninterest income to average assets | 0.2174% | 4,921 |
| Noninterest expense to average assets | 2.5454% | 3,582 |
| Loan and lease loss provision to assets | 0.0815% | 2,464 |
| Net operating income to assets | 1.1353% | 1,932 |
| Return on assets (ROA) | 1.1383% | 1,976 |
| Pretax return on assets | 1.1413% | 3,153 |
| Return on Equity (ROE) | 7.3243% | 3,487 |
| Retained earnings to average equity (ytd only) | 2.3702% | 4,465 |
| Net charge-offs to loans | 0.2108% | 1,021 |
| Credit loss provision to net charge-offs | 61.3636% | 2,789 |
| Earnings coverage of net charge-offs (x) | 9.1810% | 2,718 |
| Efficiency ratio | 67.6022% | 2,947 |
| Assets per employee ($millions) | 4.3153% | 3,447 |
| Cash dividends to net income (ytd only)* | 67.6395% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 4,260 |
| Loan loss allowance to noncurrent loans | 159.3750% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 2.2107% | 545 |
| Noncurrent loans to loans | 0.6057% | 2,893 |
| Net loans and leases to total assets | 60.6261% | 3,795 |
| Net loans and leases to deposits | 76.3586% | 3,338 |
| Net loans and leases to core deposits | 77.7266% | 3,663 |
| Total domestic deposits to total assets | 79.3966% | 4,460 |
| Equity capital to assets | 16.0893% | 526 |
| Core capital (leverage) ratio | 15.7526% | 526 |
| Tier 1 risk-based capital ratio | 21.8584% | 1,058 |
| Total risk-based capital ratio | 22.6738% | 1,107 |
| Memoranda: | ||
| Average total assets | $44,157,000 | 5,328 |
| Average earning assets | $41,736,500 | 5,294 |
| Average equity | $6,862,750 | 5,018 |
| Average total loans | $27,837,000 | 5,126 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 2,332 |
| Cost of funding earning assets | 0.4935% | 2,222 |
| Net interest margin | 3.7441% | 2,496 |
| Noninterest income to average assets | 0.2248% | 4,897 |
| Noninterest expense to average assets | 2.5083% | 3,720 |
| Loan and lease loss provision to assets | 0.0854% | 2,279 |
| Net operating income to assets | 1.1733% | 1,694 |
| Return on assets (ROA) | 1.1777% | 1,708 |
| Pretax return on assets | 1.1822% | 2,840 |
| Return on Equity (ROE) | 7.6653% | 3,216 |
| Retained earnings to average equity (ytd only) | 2.6916% | 4,089 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5077% | 3,262 |
| Assets per employee ($millions) | 4.4492% | 3,198 |
| Cash dividends to net income (ytd only)* | 64.8855% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,773 |
| Loan loss allowance to noncurrent loans | 473.7705% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 2.0296% | 625 |
| Noncurrent loans to loans | 0.2242% | 4,225 |
| Net loans and leases to total assets | 60.4895% | 3,795 |
| Net loans and leases to deposits | 78.9840% | 3,022 |
| Net loans and leases to core deposits | 79.5725% | 3,452 |
| Total domestic deposits to total assets | 76.5846% | 5,018 |
| Equity capital to assets | 15.5803% | 596 |
| Core capital (leverage) ratio | 15.0061% | 624 |
| Tier 1 risk-based capital ratio | 21.1913% | 1,157 |
| Total risk-based capital ratio | 22.0911% | 1,189 |
| Memoranda: | ||
| Average total assets | $44,491,670 | 5,359 |
| Average earning assets | $42,146,000 | 5,323 |
| Average equity | $6,836,000 | 5,046 |
| Average total loans | $28,310,330 | 5,158 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 2,457 |
| Cost of funding earning assets | 0.4427% | 2,589 |
| Net interest margin | 3.7114% | 2,454 |
| Noninterest income to average assets | 0.2427% | 4,793 |
| Noninterest expense to average assets | 2.4994% | 3,805 |
| Loan and lease loss provision to assets | 0.0809% | 2,198 |
| Net operating income to assets | 1.1957% | 1,513 |
| Return on assets (ROA) | 1.1957% | 1,553 |
| Pretax return on assets | 1.2047% | 2,578 |
| Return on Equity (ROE) | 7.8374% | 3,004 |
| Retained earnings to average equity (ytd only) | 2.8285% | 3,997 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0333% | 3,492 |
| Assets per employee ($millions) | 4.4139% | 3,304 |
| Cash dividends to net income (ytd only)* | 63.9098% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 4,313 |
| Loan loss allowance to noncurrent loans | 66.4303% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.3177% | 525 |
| Noncurrent loans to loans | 1.5007% | 1,330 |
| Net loans and leases to total assets | 63.2230% | 3,371 |
| Net loans and leases to deposits | 79.6586% | 2,793 |
| Net loans and leases to core deposits | 80.3027% | 3,263 |
| Total domestic deposits to total assets | 79.3675% | 4,752 |
| Equity capital to assets | 15.4489% | 570 |
| Core capital (leverage) ratio | 15.3212% | 553 |
| Tier 1 risk-based capital ratio | 20.3871% | 1,322 |
| Total risk-based capital ratio | 21.2343% | 1,366 |
| Memoranda: | ||
| Average total assets | $44,491,500 | 5,414 |
| Average earning assets | $42,464,000 | 5,378 |
| Average equity | $6,788,000 | 5,104 |
| Average total loans | $28,864,500 | 5,197 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2183% | 2,428 |
| Cost of funding earning assets | 0.4183% | 2,824 |
| Net interest margin | 3.8000% | 2,317 |
| Noninterest income to average assets | 0.2133% | 5,140 |
| Noninterest expense to average assets | 2.5533% | 3,827 |
| Loan and lease loss provision to assets | 0.2358% | 915 |
| Net operating income to assets | 1.0734% | 2,022 |
| Return on assets (ROA) | 1.0779% | 2,101 |
| Pretax return on assets | 1.0802% | 3,176 |
| Return on Equity (ROE) | 6.9545% | 3,492 |
| Retained earnings to average equity (ytd only) | 0.8693% | 4,973 |
| Net charge-offs to loans | 0.6772% | 324 |
| Credit loss provision to net charge-offs | 52.7638% | 3,345 |
| Earnings coverage of net charge-offs (x) | 2.9347% | 3,742 |
| Efficiency ratio | 66.0662% | 3,578 |
| Assets per employee ($millions) | 4.4844% | 3,137 |
| Cash dividends to net income (ytd only)* | 87.5000% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,695 |
| Loan loss allowance to noncurrent loans | 62.6728% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.2991% | 546 |
| Noncurrent loans to loans | 1.4691% | 1,375 |
| Net loans and leases to total assets | 65.2707% | 3,183 |
| Net loans and leases to deposits | 82.5717% | 2,601 |
| Net loans and leases to core deposits | 83.2291% | 3,107 |
| Total domestic deposits to total assets | 79.0474% | 4,784 |
| Equity capital to assets | 15.0678% | 632 |
| Core capital (leverage) ratio | 15.2293% | 573 |
| Tier 1 risk-based capital ratio | 19.6932% | 1,438 |
| Total risk-based capital ratio | 20.4910% | 1,499 |
| Memoranda: | ||
| Average total assets | $44,530,000 | 5,451 |
| Average earning assets | $42,789,400 | 5,405 |
| Average equity | $6,902,000 | 5,108 |
| Average total loans | $29,386,400 | 5,213 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 2,384 |
| Cost of funding earning assets | 0.4048% | 2,974 |
| Net interest margin | 3.8329% | 2,216 |
| Noninterest income to average assets | 0.2130% | 5,192 |
| Noninterest expense to average assets | 2.5225% | 3,918 |
| Loan and lease loss provision to assets | 0.1890% | 1,156 |
| Net operating income to assets | 1.1908% | 1,669 |
| Return on assets (ROA) | 1.1968% | 1,743 |
| Pretax return on assets | 1.1998% | 2,834 |
| Return on Equity (ROE) | 7.6675% | 3,208 |
| Retained earnings to average equity (ytd only) | 1.6142% | 4,863 |
| Net charge-offs to loans | 0.9177% | 192 |
| Credit loss provision to net charge-offs | 31.1881% | 3,218 |
| Earnings coverage of net charge-offs (x) | 2.2821% | 3,590 |
| Efficiency ratio | 64.5929% | 3,838 |
| Assets per employee ($millions) | 4.3631% | 3,310 |
| Cash dividends to net income (ytd only)* | 78.9470% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7955% | 5,198 |
| Loan loss allowance to noncurrent loans | 28.5535% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.8221% | 898 |
| Noncurrent loans to loans | 2.7860% | 579 |
| Net loans and leases to total assets | 64.8828% | 3,287 |
| Net loans and leases to deposits | 80.6777% | 2,887 |
| Net loans and leases to core deposits | 81.3524% | 3,332 |
| Total domestic deposits to total assets | 80.4222% | 4,413 |
| Equity capital to assets | 15.9955% | 553 |
| Core capital (leverage) ratio | 15.2316% | 589 |
| Tier 1 risk-based capital ratio | 20.5327% | 1,350 |
| Total risk-based capital ratio | 21.2244% | 1,415 |
| Memoranda: | ||
| Average total assets | $44,451,500 | 5,505 |
| Average earning assets | $42,821,000 | 5,458 |
| Average equity | $6,938,250 | 5,154 |
| Average total loans | $29,347,500 | 5,262 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 2,382 |
| Cost of funding earning assets | 0.3999% | 3,047 |
| Net interest margin | 3.8360% | 2,191 |
| Noninterest income to average assets | 0.2191% | 5,178 |
| Noninterest expense to average assets | 2.4505% | 4,176 |
| Loan and lease loss provision to assets | 0.2281% | 897 |
| Net operating income to assets | 1.2253% | 1,516 |
| Return on assets (ROA) | 1.2342% | 1,581 |
| Pretax return on assets | 1.2387% | 2,640 |
| Return on Equity (ROE) | 7.9715% | 2,991 |
| Retained earnings to average equity (ytd only) | 1.9062% | 4,604 |
| Net charge-offs to loans | 1.3640% | 114 |
| Credit loss provision to net charge-offs | 25.2475% | 2,894 |
| Earnings coverage of net charge-offs (x) | 1.6139% | 3,383 |
| Efficiency ratio | 62.7002% | 4,231 |
| Assets per employee ($millions) | 4.3538% | 3,292 |
| Cash dividends to net income (ytd only)* | 76.0870% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 5,392 |
| Loan loss allowance to noncurrent loans | 24.1302% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 2.0465% | 799 |
| Noncurrent loans to loans | 3.1281% | 457 |
| Net loans and leases to total assets | 64.9295% | 3,234 |
| Net loans and leases to deposits | 81.8134% | 2,730 |
| Net loans and leases to core deposits | 82.5059% | 3,222 |
| Total domestic deposits to total assets | 79.3629% | 4,705 |
| Equity capital to assets | 16.1284% | 523 |
| Core capital (leverage) ratio | 15.0147% | 612 |
| Tier 1 risk-based capital ratio | 20.6464% | 1,319 |
| Total risk-based capital ratio | 21.3070% | 1,413 |
| Memoranda: | ||
| Average total assets | $44,725,000 | 5,566 |
| Average earning assets | $43,013,330 | 5,518 |
| Average equity | $6,924,670 | 5,209 |
| Average total loans | $29,618,000 | 5,307 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 2,546 |
| Cost of funding earning assets | 0.3768% | 3,334 |
| Net interest margin | 3.8044% | 2,269 |
| Noninterest income to average assets | 0.2383% | 5,038 |
| Noninterest expense to average assets | 2.4008% | 4,372 |
| Loan and lease loss provision to assets | 0.0530% | 2,878 |
| Net operating income to assets | 1.4299% | 980 |
| Return on assets (ROA) | 1.4299% | 1,025 |
| Pretax return on assets | 1.4387% | 1,780 |
| Return on Equity (ROE) | 9.4241% | 2,227 |
| Retained earnings to average equity (ytd only) | 3.3159% | 3,837 |
| Net charge-offs to loans | 2.1600% | 67 |
| Credit loss provision to net charge-offs | 3.6810% | 2,406 |
| Earnings coverage of net charge-offs (x) | 1.0368% | 2,868 |
| Efficiency ratio | 61.6780% | 4,491 |
| Assets per employee ($millions) | 4.4504% | 3,161 |
| Cash dividends to net income (ytd only)* | 64.8148% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 5,586 |
| Loan loss allowance to noncurrent loans | 25.0900% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 1.8717% | 970 |
| Noncurrent loans to loans | 2.8115% | 614 |
| Net loans and leases to total assets | 66.1042% | 2,931 |
| Net loans and leases to deposits | 83.6456% | 2,348 |
| Net loans and leases to core deposits | 84.3943% | 2,900 |
| Total domestic deposits to total assets | 79.0289% | 4,962 |
| Equity capital to assets | 15.5874% | 583 |
| Core capital (leverage) ratio | 14.9157% | 617 |
| Tier 1 risk-based capital ratio | 20.0646% | 1,485 |
| Total risk-based capital ratio | 20.6894% | 1,595 |
| Memoranda: | ||
| Average total assets | $45,318,500 | 5,607 |
| Average earning assets | $43,528,500 | 5,558 |
| Average equity | $6,876,000 | 5,254 |
| Average total loans | $30,185,000 | 5,333 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 2,613 |
| Cost of funding earning assets | 0.3755% | 3,421 |
| Net interest margin | 3.8072% | 2,349 |
| Noninterest income to average assets | 0.2216% | 5,272 |
| Noninterest expense to average assets | 2.5592% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3208% | 1,221 |
| Return on assets (ROA) | 1.3665% | 1,157 |
| Pretax return on assets | 1.3687% | 2,033 |
| Return on Equity (ROE) | 8.8587% | 2,521 |
| Retained earnings to average equity (ytd only) | 2.6369% | 4,192 |
| Net charge-offs to loans | 0.0559% | 3,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 36.1875% | 1,274 |
| Efficiency ratio | 65.9211% | 3,918 |
| Assets per employee ($millions) | 4.6133% | 2,865 |
| Cash dividends to net income (ytd only)* | 70.2341% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 3,538 |
| Loan loss allowance to noncurrent loans | 36.5634% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 2.1698% | 782 |
| Noncurrent loans to loans | 3.2561% | 459 |
| Net loans and leases to total assets | 65.8444% | 3,004 |
| Net loans and leases to deposits | 83.2128% | 2,454 |
| Net loans and leases to core deposits | 83.9302% | 2,972 |
| Total domestic deposits to total assets | 79.1277% | 4,952 |
| Equity capital to assets | 14.7725% | 711 |
| Core capital (leverage) ratio | 15.0342% | 606 |
| Tier 1 risk-based capital ratio | 19.1929% | 1,659 |
| Total risk-based capital ratio | 20.2486% | 1,663 |
| Memoranda: | ||
| Average total assets | $43,763,000 | 5,689 |
| Average earning assets | $42,078,600 | 5,633 |
| Average equity | $6,750,400 | 5,289 |
| Average total loans | $28,647,200 | 5,417 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 2,642 |
| Cost of funding earning assets | 0.3812% | 3,418 |
| Net interest margin | 3.7996% | 2,386 |
| Noninterest income to average assets | 0.2162% | 5,363 |
| Noninterest expense to average assets | 2.6036% | 3,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2724% | 1,415 |
| Return on assets (ROA) | 1.2786% | 1,454 |
| Pretax return on assets | 1.2817% | 2,466 |
| Return on Equity (ROE) | 8.1968% | 2,971 |
| Retained earnings to average equity (ytd only) | 1.9601% | 4,898 |
| Net charge-offs to loans | -0.0237% | 5,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1178% | 3,684 |
| Assets per employee ($millions) | 4.2794% | 3,361 |
| Cash dividends to net income (ytd only)* | 76.0865% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 2,724 |
| Loan loss allowance to noncurrent loans | 37.9175% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 2.3788% | 756 |
| Noncurrent loans to loans | 3.6241% | 416 |
| Net loans and leases to total assets | 64.7380% | 3,194 |
| Net loans and leases to deposits | 82.6886% | 2,566 |
| Net loans and leases to core deposits | 83.4609% | 3,106 |
| Total domestic deposits to total assets | 78.2913% | 5,131 |
| Equity capital to assets | 15.8550% | 583 |
| Core capital (leverage) ratio | 15.4160% | 570 |
| Tier 1 risk-based capital ratio | 20.4548% | 1,443 |
| Total risk-based capital ratio | 21.6554% | 1,422 |
| Memoranda: | ||
| Average total assets | $43,170,500 | 5,777 |
| Average earning assets | $41,617,250 | 5,713 |
| Average equity | $6,734,250 | 5,359 |
| Average total loans | $28,123,500 | 5,503 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 2,749 |
| Cost of funding earning assets | 0.3834% | 3,442 |
| Net interest margin | 3.7575% | 2,487 |
| Noninterest income to average assets | 0.2079% | 5,440 |
| Noninterest expense to average assets | 2.5822% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2426% | 1,484 |
| Return on assets (ROA) | 1.2472% | 1,534 |
| Pretax return on assets | 1.2518% | 2,541 |
| Return on Equity (ROE) | 8.0389% | 3,027 |
| Retained earnings to average equity (ytd only) | 1.7864% | 4,806 |
| Net charge-offs to loans | -0.0213% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4306% | 3,761 |
| Assets per employee ($millions) | 4.3397% | 3,230 |
| Cash dividends to net income (ytd only)* | 77.7778% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 2,864 |
| Loan loss allowance to noncurrent loans | 37.5977% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 2.3596% | 840 |
| Noncurrent loans to loans | 3.6611% | 466 |
| Net loans and leases to total assets | 63.5643% | 3,334 |
| Net loans and leases to deposits | 81.6898% | 2,600 |
| Net loans and leases to core deposits | 82.4442% | 3,127 |
| Total domestic deposits to total assets | 77.8118% | 5,312 |
| Equity capital to assets | 15.3882% | 632 |
| Core capital (leverage) ratio | 15.1621% | 592 |
| Tier 1 risk-based capital ratio | 19.9640% | 1,552 |
| Total risk-based capital ratio | 21.1398% | 1,534 |
| Memoranda: | ||
| Average total assets | $43,296,000 | 5,834 |
| Average earning assets | $41,730,000 | 5,772 |
| Average equity | $6,717,330 | 5,409 |
| Average total loans | $28,134,670 | 5,549 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 2,823 |
| Cost of funding earning assets | 0.3833% | 3,487 |
| Net interest margin | 3.7181% | 2,564 |
| Noninterest income to average assets | 0.2035% | 5,497 |
| Noninterest expense to average assets | 2.5991% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1840% | 1,594 |
| Return on assets (ROA) | 1.1932% | 1,666 |
| Pretax return on assets | 1.2024% | 2,656 |
| Return on Equity (ROE) | 7.6592% | 3,133 |
| Retained earnings to average equity (ytd only) | 1.4250% | 4,913 |
| Net charge-offs to loans | -0.0284% | 5,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5366% | 3,734 |
| Assets per employee ($millions) | 4.1257% | 3,708 |
| Cash dividends to net income (ytd only)* | 81.3953% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 2,720 |
| Loan loss allowance to noncurrent loans | 33.6547% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 2.7656% | 721 |
| Noncurrent loans to loans | 4.2877% | 378 |
| Net loans and leases to total assets | 63.5698% | 3,148 |
| Net loans and leases to deposits | 76.5640% | 2,983 |
| Net loans and leases to core deposits | 77.3156% | 3,445 |
| Total domestic deposits to total assets | 83.0283% | 4,170 |
| Equity capital to assets | 16.4651% | 489 |
| Core capital (leverage) ratio | 15.3797% | 552 |
| Tier 1 risk-based capital ratio | 21.3036% | 1,368 |
| Total risk-based capital ratio | 22.5521% | 1,343 |
| Memoranda: | ||
| Average total assets | $43,245,500 | 5,888 |
| Average earning assets | $41,742,000 | 5,822 |
| Average equity | $6,737,000 | 5,453 |
| Average total loans | $28,217,000 | 5,582 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 2,320 |
| Cost of funding earning assets | 0.3976% | 3,714 |
| Net interest margin | 3.9731% | 1,963 |
| Noninterest income to average assets | 0.1905% | 5,716 |
| Noninterest expense to average assets | 2.6802% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3146% | 1,277 |
| Return on assets (ROA) | 1.3146% | 1,317 |
| Pretax return on assets | 1.3169% | 2,187 |
| Return on Equity (ROE) | 8.6444% | 2,767 |
| Retained earnings to average equity (ytd only) | 1.4662% | 5,107 |
| Net charge-offs to loans | 0.1387% | 2,636 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 14.5385% | 2,153 |
| Efficiency ratio | 67.0540% | 4,049 |
| Assets per employee ($millions) | 4.5234% | 3,000 |
| Cash dividends to net income (ytd only)* | 83.0389% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 3,537 |
| Loan loss allowance to noncurrent loans | 34.0767% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 2.4782% | 932 |
| Noncurrent loans to loans | 3.7588% | 522 |
| Net loans and leases to total assets | 65.0860% | 3,034 |
| Net loans and leases to deposits | 83.2466% | 2,307 |
| Net loans and leases to core deposits | 84.0355% | 2,898 |
| Total domestic deposits to total assets | 78.1846% | 5,403 |
| Equity capital to assets | 14.7699% | 742 |
| Core capital (leverage) ratio | 14.7668% | 654 |
| Tier 1 risk-based capital ratio | 19.1524% | 1,801 |
| Total risk-based capital ratio | 20.2821% | 1,802 |
| Memoranda: | ||
| Average total assets | $43,055,800 | 5,950 |
| Average earning assets | $41,252,600 | 5,890 |
| Average equity | $6,547,600 | 5,508 |
| Average total loans | $28,124,200 | 5,647 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 2,265 |
| Cost of funding earning assets | 0.3968% | 3,824 |
| Net interest margin | 3.9907% | 1,911 |
| Noninterest income to average assets | 0.1944% | 5,756 |
| Noninterest expense to average assets | 2.6502% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3580% | 1,232 |
| Return on assets (ROA) | 1.3580% | 1,278 |
| Pretax return on assets | 1.3612% | 2,153 |
| Return on Equity (ROE) | 8.8624% | 2,757 |
| Retained earnings to average equity (ytd only) | 1.9035% | 5,101 |
| Net charge-offs to loans | -0.0144% | 5,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0672% | 4,204 |
| Assets per employee ($millions) | 4.3107% | 3,280 |
| Cash dividends to net income (ytd only)* | 78.5214% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 2,459 |
| Loan loss allowance to noncurrent loans | 200.4717% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 4,415 |
| Noncurrent loans to loans | 0.7780% | 3,637 |
| Net loans and leases to total assets | 62.2266% | 3,451 |
| Net loans and leases to deposits | 76.9368% | 3,076 |
| Net loans and leases to core deposits | 78.2451% | 3,514 |
| Total domestic deposits to total assets | 80.8801% | 4,853 |
| Equity capital to assets | 15.3502% | 663 |
| Core capital (leverage) ratio | 15.2002% | 591 |
| Tier 1 risk-based capital ratio | 20.5642% | 1,536 |
| Total risk-based capital ratio | 21.8096% | 1,502 |
| Memoranda: | ||
| Average total assets | $42,511,250 | 6,036 |
| Average earning assets | $40,660,750 | 5,976 |
| Average equity | $6,514,250 | 5,571 |
| Average total loans | $27,699,500 | 5,717 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 2,224 |
| Cost of funding earning assets | 0.4006% | 3,860 |
| Net interest margin | 3.9858% | 1,857 |
| Noninterest income to average assets | 0.1938% | 5,803 |
| Noninterest expense to average assets | 2.6659% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3329% | 1,225 |
| Return on assets (ROA) | 1.3329% | 1,270 |
| Pretax return on assets | 1.3377% | 2,126 |
| Return on Equity (ROE) | 8.7037% | 2,728 |
| Retained earnings to average equity (ytd only) | 1.6049% | 5,097 |
| Net charge-offs to loans | -0.0215% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5880% | 4,266 |
| Assets per employee ($millions) | 4.2418% | 3,386 |
| Cash dividends to net income (ytd only)* | 81.5603% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 2,607 |
| Loan loss allowance to noncurrent loans | 141.8060% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 3,864 |
| Noncurrent loans to loans | 1.1029% | 3,021 |
| Net loans and leases to total assets | 62.9120% | 3,252 |
| Net loans and leases to deposits | 74.6086% | 3,253 |
| Net loans and leases to core deposits | 76.4029% | 3,587 |
| Total domestic deposits to total assets | 84.3227% | 3,812 |
| Equity capital to assets | 15.5170% | 612 |
| Core capital (leverage) ratio | 15.2763% | 560 |
| Tier 1 risk-based capital ratio | 20.6669% | 1,518 |
| Total risk-based capital ratio | 21.9199% | 1,495 |
| Memoranda: | ||
| Average total assets | $42,312,670 | 6,099 |
| Average earning assets | $40,444,000 | 6,035 |
| Average equity | $6,480,000 | 5,605 |
| Average total loans | $27,849,670 | 5,755 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 2,136 |
| Cost of funding earning assets | 0.3972% | 4,004 |
| Net interest margin | 4.0020% | 1,752 |
| Noninterest income to average assets | 0.2082% | 5,695 |
| Noninterest expense to average assets | 2.6219% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3914% | 998 |
| Return on assets (ROA) | 1.3914% | 1,044 |
| Pretax return on assets | 1.4009% | 1,743 |
| Return on Equity (ROE) | 9.1461% | 2,393 |
| Retained earnings to average equity (ytd only) | 1.0577% | 5,174 |
| Net charge-offs to loans | -0.0283% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1765% | 4,663 |
| Assets per employee ($millions) | 4.1405% | 3,640 |
| Cash dividends to net income (ytd only)* | 88.4354% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 2,862 |
| Loan loss allowance to noncurrent loans | 166.5354% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 4,295 |
| Noncurrent loans to loans | 0.9395% | 3,542 |
| Net loans and leases to total assets | 64.2748% | 2,845 |
| Net loans and leases to deposits | 76.3075% | 2,781 |
| Net loans and leases to core deposits | 78.2989% | 3,168 |
| Total domestic deposits to total assets | 84.2314% | 4,198 |
| Equity capital to assets | 15.6165% | 585 |
| Core capital (leverage) ratio | 15.0009% | 605 |
| Tier 1 risk-based capital ratio | 20.7614% | 1,522 |
| Total risk-based capital ratio | 22.0109% | 1,494 |
| Memoranda: | ||
| Average total assets | $42,260,000 | 6,163 |
| Average earning assets | $40,280,000 | 6,094 |
| Average equity | $6,429,000 | 5,655 |
| Average total loans | $28,219,500 | 5,786 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7432% | 1,465 |
| Cost of funding earning assets | 0.4598% | 4,025 |
| Net interest margin | 4.2833% | 1,148 |
| Noninterest income to average assets | 0.2183% | 5,773 |
| Noninterest expense to average assets | 2.7341% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5745% | 728 |
| Return on assets (ROA) | 1.6351% | 660 |
| Pretax return on assets | 1.6351% | 1,090 |
| Return on Equity (ROE) | 10.3852% | 1,961 |
| Retained earnings to average equity (ytd only) | 0.3698% | 5,683 |
| Net charge-offs to loans | -0.0772% | 6,426 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4572% | 4,991 |
| Assets per employee ($millions) | 4.3115% | 3,249 |
| Cash dividends to net income (ytd only)* | 96.4392% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 3,501 |
| Loan loss allowance to noncurrent loans | 155.9259% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 4,358 |
| Noncurrent loans to loans | 0.9183% | 3,689 |
| Net loans and leases to total assets | 67.2202% | 2,482 |
| Net loans and leases to deposits | 78.9916% | 2,593 |
| Net loans and leases to core deposits | 80.9553% | 3,016 |
| Total domestic deposits to total assets | 85.0980% | 3,692 |
| Equity capital to assets | 14.8255% | 704 |
| Core capital (leverage) ratio | 15.0820% | 595 |
| Tier 1 risk-based capital ratio | 19.5286% | 1,772 |
| Total risk-based capital ratio | 20.7744% | 1,739 |
| Memoranda: | ||
| Average total assets | $41,220,400 | 6,253 |
| Average earning assets | $39,361,800 | 6,189 |
| Average equity | $6,490,000 | 5,696 |
| Average total loans | $28,479,400 | 5,831 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 1,728 |
| Cost of funding earning assets | 0.4692% | 4,071 |
| Net interest margin | 4.1889% | 1,370 |
| Noninterest income to average assets | 0.3010% | 5,294 |
| Noninterest expense to average assets | 2.6832% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6197% | 722 |
| Return on assets (ROA) | 1.6197% | 764 |
| Pretax return on assets | 1.6197% | 1,296 |
| Return on Equity (ROE) | 10.1309% | 2,131 |
| Retained earnings to average equity (ytd only) | -0.5116% | 6,047 |
| Net charge-offs to loans | -0.1463% | 6,586 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3574% | 5,087 |
| Assets per employee ($millions) | 4.0059% | 3,819 |
| Cash dividends to net income (ytd only)* | 105.0517% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 3,117 |
| Loan loss allowance to noncurrent loans | 47.9376% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.2392% | 1,770 |
| Noncurrent loans to loans | 3.2885% | 1,186 |
| Net loans and leases to total assets | 67.0186% | 2,456 |
| Net loans and leases to deposits | 82.8534% | 2,021 |
| Net loans and leases to core deposits | 85.3505% | 2,484 |
| Total domestic deposits to total assets | 80.8882% | 5,244 |
| Equity capital to assets | 15.9265% | 565 |
| Core capital (leverage) ratio | 15.8113% | 519 |
| Tier 1 risk-based capital ratio | 20.7683% | 1,539 |
| Total risk-based capital ratio | 22.0214% | 1,512 |
| Memoranda: | ||
| Average total assets | $40,746,750 | 6,341 |
| Average earning assets | $38,927,750 | 6,270 |
| Average equity | $6,514,500 | 5,765 |
| Average total loans | $28,248,500 | 5,892 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 1,753 |
| Cost of funding earning assets | 0.4742% | 4,156 |
| Net interest margin | 4.1556% | 1,394 |
| Noninterest income to average assets | 0.3465% | 4,919 |
| Noninterest expense to average assets | 2.6308% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6937% | 627 |
| Return on assets (ROA) | 1.6937% | 682 |
| Pretax return on assets | 1.6937% | 1,129 |
| Return on Equity (ROE) | 10.5803% | 1,977 |
| Retained earnings to average equity (ytd only) | -1.3111% | 6,096 |
| Net charge-offs to loans | -0.2030% | 6,667 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8352% | 5,357 |
| Assets per employee ($millions) | 3.9596% | 3,896 |
| Cash dividends to net income (ytd only)* | 112.3919% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 3,466 |
| Loan loss allowance to noncurrent loans | 39.5199% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 2.7351% | 1,515 |
| Noncurrent loans to loans | 3.8567% | 1,042 |
| Net loans and leases to total assets | 69.8379% | 1,913 |
| Net loans and leases to deposits | 85.8815% | 1,591 |
| Net loans and leases to core deposits | 88.5463% | 2,057 |
| Total domestic deposits to total assets | 81.3188% | 5,255 |
| Equity capital to assets | 16.1936% | 503 |
| Core capital (leverage) ratio | 15.3076% | 558 |
| Tier 1 risk-based capital ratio | 20.3869% | 1,634 |
| Total risk-based capital ratio | 21.6366% | 1,611 |
| Memoranda: | ||
| Average total assets | $40,976,000 | 6,381 |
| Average earning assets | $39,224,000 | 6,305 |
| Average equity | $6,559,330 | 5,791 |
| Average total loans | $28,572,330 | 5,908 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 2,055 |
| Cost of funding earning assets | 0.4713% | 4,358 |
| Net interest margin | 4.0611% | 1,585 |
| Noninterest income to average assets | 0.2208% | 5,902 |
| Noninterest expense to average assets | 2.5440% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5648% | 752 |
| Return on assets (ROA) | 1.5648% | 817 |
| Pretax return on assets | 1.5648% | 1,395 |
| Return on Equity (ROE) | 9.8296% | 2,129 |
| Retained earnings to average equity (ytd only) | -5.8495% | 6,410 |
| Net charge-offs to loans | -0.0416% | 6,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9159% | 5,314 |
| Assets per employee ($millions) | 4.0201% | 3,901 |
| Cash dividends to net income (ytd only)* | 159.5092% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 4,022 |
| Loan loss allowance to noncurrent loans | 49.4465% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 2.0223% | 2,309 |
| Noncurrent loans to loans | 2.9297% | 1,713 |
| Net loans and leases to total assets | 68.0282% | 2,001 |
| Net loans and leases to deposits | 83.0086% | 1,710 |
| Net loans and leases to core deposits | 85.5641% | 2,154 |
| Total domestic deposits to total assets | 81.9532% | 5,208 |
| Equity capital to assets | 16.3479% | 511 |
| Core capital (leverage) ratio | 15.3882% | 527 |
| Tier 1 risk-based capital ratio | 20.3175% | 1,695 |
| Total risk-based capital ratio | 21.5705% | 1,667 |
| Memoranda: | ||
| Average total assets | $41,666,000 | 6,412 |
| Average earning assets | $39,890,500 | 6,339 |
| Average equity | $6,633,000 | 5,836 |
| Average total loans | $28,818,000 | 5,942 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 1,884 |
| Cost of funding earning assets | 0.6583% | 3,848 |
| Net interest margin | 4.2277% | 1,584 |
| Noninterest income to average assets | 0.6085% | 3,236 |
| Noninterest expense to average assets | 2.6259% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.9660% | 379 |
| Return on assets (ROA) | 1.9660% | 411 |
| Pretax return on assets | 1.9660% | 639 |
| Return on Equity (ROE) | 12.9024% | 1,255 |
| Retained earnings to average equity (ytd only) | 4.8384% | 2,819 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1865% | 5,938 |
| Assets per employee ($millions) | 4.3131% | 3,324 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 4,473 |
| Loan loss allowance to noncurrent loans | 43.7021% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 2.1168% | 2,314 |
| Noncurrent loans to loans | 3.0549% | 1,700 |
| Net loans and leases to total assets | 68.3661% | 2,130 |
| Net loans and leases to deposits | 87.9317% | 1,289 |
| Net loans and leases to core deposits | 90.5704% | 1,769 |
| Total domestic deposits to total assets | 77.7492% | 6,117 |
| Equity capital to assets | 15.5202% | 631 |
| Core capital (leverage) ratio | 14.9567% | 579 |
| Tier 1 risk-based capital ratio | 19.1567% | 1,918 |
| Total risk-based capital ratio | 20.3593% | 1,902 |
| Memoranda: | ||
| Average total assets | $42,727,400 | 6,405 |
| Average earning assets | $40,258,000 | 6,354 |
| Average equity | $6,510,400 | 5,889 |
| Average total loans | $29,443,400 | 5,979 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 1,734 |
| Cost of funding earning assets | 0.6960% | 3,803 |
| Net interest margin | 4.2861% | 1,515 |
| Noninterest income to average assets | 0.7257% | 2,590 |
| Noninterest expense to average assets | 2.4929% | 5,107 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.2583% | 259 |
| Return on assets (ROA) | 2.2583% | 284 |
| Pretax return on assets | 2.2583% | 430 |
| Return on Equity (ROE) | 14.8912% | 926 |
| Retained earnings to average equity (ytd only) | 6.7444% | 2,252 |
| Net charge-offs to loans | 0.0091% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 360.5393% | 125 |
| Efficiency ratio | 52.4687% | 6,409 |
| Assets per employee ($millions) | 4.2080% | 3,457 |
| Cash dividends to net income (ytd only)* | 54.7089% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 4,439 |
| Loan loss allowance to noncurrent loans | 144.3636% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 5,044 |
| Noncurrent loans to loans | 0.9600% | 4,514 |
| Net loans and leases to total assets | 67.1293% | 2,436 |
| Net loans and leases to deposits | 84.0339% | 1,868 |
| Net loans and leases to core deposits | 84.6737% | 2,620 |
| Total domestic deposits to total assets | 79.8836% | 5,686 |
| Equity capital to assets | 15.9078% | 624 |
| Core capital (leverage) ratio | 15.2206% | 575 |
| Tier 1 risk-based capital ratio | 19.9418% | 1,779 |
| Total risk-based capital ratio | 21.1255% | 1,767 |
| Memoranda: | ||
| Average total assets | $42,626,500 | 6,483 |
| Average earning assets | $40,035,750 | 6,438 |
| Average equity | $6,464,500 | 5,971 |
| Average total loans | $29,332,750 | 6,055 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 1,797 |
| Cost of funding earning assets | 0.7325% | 3,742 |
| Net interest margin | 4.2656% | 1,565 |
| Noninterest income to average assets | 0.3504% | 5,039 |
| Noninterest expense to average assets | 2.4808% | 5,205 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8688% | 495 |
| Return on assets (ROA) | 1.8688% | 561 |
| Pretax return on assets | 1.8688% | 903 |
| Return on Equity (ROE) | 12.5235% | 1,496 |
| Retained earnings to average equity (ytd only) | 4.3832% | 3,701 |
| Net charge-offs to loans | 0.0271% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 429 |
| Efficiency ratio | 57.0354% | 5,995 |
| Assets per employee ($millions) | 4.2445% | 3,371 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 4,689 |
| Loan loss allowance to noncurrent loans | 138.1119% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 5,091 |
| Noncurrent loans to loans | 0.9735% | 4,571 |
| Net loans and leases to total assets | 68.2860% | 2,240 |
| Net loans and leases to deposits | 82.6980% | 2,023 |
| Net loans and leases to core deposits | 83.2945% | 2,787 |
| Total domestic deposits to total assets | 82.5727% | 4,920 |
| Equity capital to assets | 15.2456% | 726 |
| Core capital (leverage) ratio | 14.4301% | 712 |
| Tier 1 risk-based capital ratio | 18.7086% | 2,066 |
| Total risk-based capital ratio | 19.9043% | 2,039 |
| Memoranda: | ||
| Average total assets | $42,808,670 | 6,516 |
| Average earning assets | $40,135,330 | 6,473 |
| Average equity | $6,388,000 | 6,018 |
| Average total loans | $29,562,000 | 6,088 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 2,186 |
| Cost of funding earning assets | 0.7645% | 3,754 |
| Net interest margin | 4.1499% | 1,938 |
| Noninterest income to average assets | 0.4559% | 4,255 |
| Noninterest expense to average assets | 2.4936% | 5,167 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8516% | 537 |
| Return on assets (ROA) | 1.8516% | 610 |
| Pretax return on assets | 1.8516% | 972 |
| Return on Equity (ROE) | 12.5423% | 1,522 |
| Retained earnings to average equity (ytd only) | 4.3489% | 3,985 |
| Net charge-offs to loans | 0.0944% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 28.4286% | 965 |
| Efficiency ratio | 57.3876% | 5,995 |
| Assets per employee ($millions) | 4.2099% | 3,556 |
| Cash dividends to net income (ytd only)* | 65.3266% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,849 |
| Loan loss allowance to noncurrent loans | 110.7345% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 4,851 |
| Noncurrent loans to loans | 1.2079% | 4,315 |
| Net loans and leases to total assets | 68.6810% | 1,994 |
| Net loans and leases to deposits | 83.5568% | 1,724 |
| Net loans and leases to core deposits | 84.1673% | 2,526 |
| Total domestic deposits to total assets | 82.1967% | 5,231 |
| Equity capital to assets | 15.1548% | 721 |
| Core capital (leverage) ratio | 14.6674% | 659 |
| Tier 1 risk-based capital ratio | 18.6588% | 2,091 |
| Total risk-based capital ratio | 19.8559% | 2,078 |
| Memoranda: | ||
| Average total assets | $42,990,500 | 6,562 |
| Average earning assets | $40,290,000 | 6,509 |
| Average equity | $6,346,500 | 6,061 |
| Average total loans | $29,653,500 | 6,130 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3223% | 1,637 |
| Cost of funding earning assets | 0.9249% | 3,924 |
| Net interest margin | 4.3974% | 1,406 |
| Noninterest income to average assets | 0.3445% | 5,057 |
| Noninterest expense to average assets | 2.7268% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7129% | 539 |
| Return on assets (ROA) | 1.7399% | 553 |
| Pretax return on assets | 1.7399% | 911 |
| Return on Equity (ROE) | 11.4003% | 1,587 |
| Retained earnings to average equity (ytd only) | 3.0154% | 4,079 |
| Net charge-offs to loans | 0.0245% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 99.4286% | 311 |
| Efficiency ratio | 61.4191% | 5,548 |
| Assets per employee ($millions) | 3.9893% | 3,884 |
| Cash dividends to net income (ytd only)* | 73.5502% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 4,755 |
| Loan loss allowance to noncurrent loans | 65.5172% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4334% | 3,838 |
| Noncurrent loans to loans | 2.0299% | 3,168 |
| Net loans and leases to total assets | 67.4582% | 2,497 |
| Net loans and leases to deposits | 83.1610% | 2,045 |
| Net loans and leases to core deposits | 83.1610% | 2,999 |
| Total domestic deposits to total assets | 81.1175% | 5,419 |
| Equity capital to assets | 14.3863% | 936 |
| Core capital (leverage) ratio | 14.6098% | 688 |
| Tier 1 risk-based capital ratio | 17.9362% | 2,211 |
| Total risk-based capital ratio | 19.1210% | 2,210 |
| Memoranda: | ||
| Average total assets | $40,634,000 | 6,652 |
| Average earning assets | $37,840,600 | 6,610 |
| Average equity | $6,201,600 | 6,101 |
| Average total loans | $28,531,600 | 6,217 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3961% | 1,517 |
| Cost of funding earning assets | 0.9766% | 3,840 |
| Net interest margin | 4.4196% | 1,349 |
| Noninterest income to average assets | 0.3683% | 4,925 |
| Noninterest expense to average assets | 2.6316% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8582% | 463 |
| Return on assets (ROA) | 1.8951% | 462 |
| Pretax return on assets | 1.8951% | 787 |
| Return on Equity (ROE) | 12.2235% | 1,483 |
| Retained earnings to average equity (ytd only) | 3.8009% | 4,027 |
| Net charge-offs to loans | -0.0757% | 7,121 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6130% | 5,914 |
| Assets per employee ($millions) | 3.6288% | 4,682 |
| Cash dividends to net income (ytd only)* | 68.9048% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 4,052 |
| Loan loss allowance to noncurrent loans | 68.1745% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.6509% | 3,608 |
| Noncurrent loans to loans | 2.2139% | 3,094 |
| Net loans and leases to total assets | 68.9882% | 2,276 |
| Net loans and leases to deposits | 85.4421% | 1,767 |
| Net loans and leases to core deposits | 85.4421% | 2,853 |
| Total domestic deposits to total assets | 80.7425% | 5,516 |
| Equity capital to assets | 15.7602% | 676 |
| Core capital (leverage) ratio | 15.2058% | 627 |
| Tier 1 risk-based capital ratio | 19.3102% | 1,854 |
| Total risk-based capital ratio | 20.5623% | 1,820 |
| Memoranda: | ||
| Average total assets | $39,822,000 | 6,735 |
| Average earning assets | $37,136,750 | 6,696 |
| Average equity | $6,173,750 | 6,157 |
| Average total loans | $28,164,250 | 6,295 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4286% | 1,481 |
| Cost of funding earning assets | 1.0091% | 3,894 |
| Net interest margin | 4.4195% | 1,314 |
| Noninterest income to average assets | 0.3870% | 4,781 |
| Noninterest expense to average assets | 2.5936% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9100% | 402 |
| Return on assets (ROA) | 1.9653% | 382 |
| Pretax return on assets | 1.9653% | 631 |
| Return on Equity (ROE) | 12.7472% | 1,262 |
| Retained earnings to average equity (ytd only) | 4.2708% | 3,477 |
| Net charge-offs to loans | -0.1133% | 7,195 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5893% | 6,217 |
| Assets per employee ($millions) | 3.5655% | 4,771 |
| Cash dividends to net income (ytd only)* | 66.4962% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 4,010 |
| Loan loss allowance to noncurrent loans | 74.5583% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.5451% | 3,879 |
| Noncurrent loans to loans | 2.0452% | 3,419 |
| Net loans and leases to total assets | 69.4832% | 2,326 |
| Net loans and leases to deposits | 84.6283% | 2,006 |
| Net loans and leases to core deposits | 84.6283% | 3,120 |
| Total domestic deposits to total assets | 82.1040% | 5,129 |
| Equity capital to assets | 15.8843% | 623 |
| Core capital (leverage) ratio | 14.9805% | 666 |
| Tier 1 risk-based capital ratio | 19.7362% | 1,662 |
| Total risk-based capital ratio | 20.9860% | 1,637 |
| Memoranda: | ||
| Average total assets | $39,790,330 | 6,792 |
| Average earning assets | $37,062,670 | 6,761 |
| Average equity | $6,134,670 | 6,198 |
| Average total loans | $28,232,330 | 6,356 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2937% | 1,885 |
| Cost of funding earning assets | 1.0078% | 4,149 |
| Net interest margin | 4.2858% | 1,600 |
| Noninterest income to average assets | 0.4691% | 4,123 |
| Noninterest expense to average assets | 2.5552% | 5,370 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9464% | 376 |
| Return on assets (ROA) | 1.9464% | 394 |
| Pretax return on assets | 1.9464% | 611 |
| Return on Equity (ROE) | 12.8142% | 1,240 |
| Retained earnings to average equity (ytd only) | 4.2714% | 3,605 |
| Net charge-offs to loans | -0.0701% | 6,990 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7627% | 6,410 |
| Assets per employee ($millions) | 3.5900% | 4,771 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 4,337 |
| Loan loss allowance to noncurrent loans | 163.0952% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7698% | 5,372 |
| Noncurrent loans to loans | 0.9028% | 5,242 |
| Net loans and leases to total assets | 69.6429% | 2,194 |
| Net loans and leases to deposits | 84.3982% | 1,970 |
| Net loans and leases to core deposits | 84.3982% | 3,115 |
| Total domestic deposits to total assets | 82.5171% | 5,104 |
| Equity capital to assets | 15.4723% | 664 |
| Core capital (leverage) ratio | 14.6819% | 714 |
| Tier 1 risk-based capital ratio | 19.4180% | 1,714 |
| Total risk-based capital ratio | 20.6679% | 1,683 |
| Memoranda: | ||
| Average total assets | $40,075,000 | 6,831 |
| Average earning assets | $37,705,500 | 6,776 |
| Average equity | $6,087,000 | 6,213 |
| Average total loans | $28,511,500 | 6,394 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7309% | 1,465 |
| Cost of funding earning assets | 1.2478% | 4,231 |
| Net interest margin | 4.4831% | 1,264 |
| Noninterest income to average assets | 0.4094% | 4,827 |
| Noninterest expense to average assets | 2.7489% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.8680% | 363 |
| Return on assets (ROA) | 1.8680% | 391 |
| Pretax return on assets | 1.8680% | 655 |
| Return on Equity (ROE) | 11.9383% | 1,327 |
| Retained earnings to average equity (ytd only) | 3.6593% | 3,298 |
| Net charge-offs to loans | 0.1455% | 5,488 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 18.4872% | 1,101 |
| Efficiency ratio | 59.5398% | 6,116 |
| Assets per employee ($millions) | 3.6964% | 4,470 |
| Cash dividends to net income (ytd only)* | 69.3481% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 4,542 |
| Loan loss allowance to noncurrent loans | 375.9259% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 6,505 |
| Noncurrent loans to loans | 0.3710% | 6,311 |
| Net loans and leases to total assets | 70.5952% | 2,391 |
| Net loans and leases to deposits | 90.4348% | 1,470 |
| Net loans and leases to core deposits | 90.4348% | 2,704 |
| Total domestic deposits to total assets | 78.0620% | 6,301 |
| Equity capital to assets | 14.9139% | 809 |
| Core capital (leverage) ratio | 14.3596% | 776 |
| Tier 1 risk-based capital ratio | 18.4823% | 1,849 |
| Total risk-based capital ratio | 19.7250% | 1,813 |
| Memoranda: | ||
| Average total assets | $38,597,000 | 6,917 |
| Average earning assets | $36,224,600 | 6,872 |
| Average equity | $6,039,400 | 6,346 |
| Average total loans | $26,797,000 | 6,566 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7149% | 1,668 |
| Cost of funding earning assets | 1.3019% | 4,203 |
| Net interest margin | 4.4130% | 1,488 |
| Noninterest income to average assets | 0.4447% | 4,597 |
| Noninterest expense to average assets | 2.6644% | 5,033 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.9222% | 390 |
| Return on assets (ROA) | 1.9222% | 426 |
| Pretax return on assets | 1.9222% | 738 |
| Return on Equity (ROE) | 12.1324% | 1,465 |
| Retained earnings to average equity (ytd only) | 4.0663% | 3,612 |
| Net charge-offs to loans | 0.1729% | 4,929 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 16.1478% | 1,394 |
| Efficiency ratio | 58.0916% | 6,259 |
| Assets per employee ($millions) | 3.6140% | 4,700 |
| Cash dividends to net income (ytd only)* | 66.4841% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 4,070 |
| Loan loss allowance to noncurrent loans | 132.5806% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 5,531 |
| Noncurrent loans to loans | 1.1130% | 5,017 |
| Net loans and leases to total assets | 69.0295% | 2,980 |
| Net loans and leases to deposits | 93.4609% | 1,268 |
| Net loans and leases to core deposits | 93.4609% | 2,598 |
| Total domestic deposits to total assets | 73.8592% | 6,933 |
| Equity capital to assets | 15.4249% | 787 |
| Core capital (leverage) ratio | 14.8310% | 751 |
| Tier 1 risk-based capital ratio | 19.2075% | 1,707 |
| Total risk-based capital ratio | 20.4590% | 1,676 |
| Memoranda: | ||
| Average total assets | $38,081,250 | 7,015 |
| Average earning assets | $35,741,750 | 6,967 |
| Average equity | $6,033,250 | 6,435 |
| Average total loans | $26,218,750 | 6,694 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6948% | 1,786 |
| Cost of funding earning assets | 1.3386% | 4,266 |
| Net interest margin | 4.3562% | 1,574 |
| Noninterest income to average assets | 0.4904% | 4,190 |
| Noninterest expense to average assets | 2.6863% | 4,966 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8975% | 401 |
| Return on assets (ROA) | 1.8975% | 444 |
| Pretax return on assets | 1.8975% | 738 |
| Return on Equity (ROE) | 11.8660% | 1,485 |
| Retained earnings to average equity (ytd only) | 3.1998% | 4,072 |
| Net charge-offs to loans | 0.2804% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 9.8889% | 1,961 |
| Efficiency ratio | 58.6047% | 6,291 |
| Assets per employee ($millions) | 3.5116% | 4,899 |
| Cash dividends to net income (ytd only)* | 73.0337% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 3,789 |
| Loan loss allowance to noncurrent loans | 105.1414% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0226% | 5,093 |
| Noncurrent loans to loans | 1.4515% | 4,531 |
| Net loans and leases to total assets | 68.3209% | 3,282 |
| Net loans and leases to deposits | 92.3634% | 1,472 |
| Net loans and leases to core deposits | 92.3634% | 2,935 |
| Total domestic deposits to total assets | 73.9697% | 6,975 |
| Equity capital to assets | 15.7140% | 722 |
| Core capital (leverage) ratio | 15.1333% | 699 |
| Tier 1 risk-based capital ratio | 19.7443% | 1,557 |
| Total risk-based capital ratio | 21.0022% | 1,527 |
| Memoranda: | ||
| Average total assets | $37,523,670 | 7,090 |
| Average earning assets | $35,260,000 | 7,030 |
| Average equity | $6,000,330 | 6,464 |
| Average total loans | $25,674,000 | 6,763 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7018% | 1,776 |
| Cost of funding earning assets | 1.3504% | 4,493 |
| Net interest margin | 4.3514% | 1,533 |
| Noninterest income to average assets | 0.5734% | 3,473 |
| Noninterest expense to average assets | 2.6615% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9907% | 350 |
| Return on assets (ROA) | 1.9907% | 382 |
| Pretax return on assets | 1.9907% | 616 |
| Return on Equity (ROE) | 12.3376% | 1,409 |
| Retained earnings to average equity (ytd only) | 5.2971% | 2,986 |
| Net charge-offs to loans | 0.0637% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 605 |
| Efficiency ratio | 57.2093% | 6,603 |
| Assets per employee ($millions) | 3.2878% | 5,564 |
| Cash dividends to net income (ytd only)* | 57.0652% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 2,738 |
| Loan loss allowance to noncurrent loans | 124.2254% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 5,185 |
| Noncurrent loans to loans | 1.4473% | 4,569 |
| Net loans and leases to total assets | 66.6012% | 3,725 |
| Net loans and leases to deposits | 87.1833% | 2,377 |
| Net loans and leases to core deposits | 87.1833% | 3,720 |
| Total domestic deposits to total assets | 76.3922% | 6,685 |
| Equity capital to assets | 16.6538% | 572 |
| Core capital (leverage) ratio | 15.4851% | 657 |
| Tier 1 risk-based capital ratio | 21.5840% | 1,256 |
| Total risk-based capital ratio | 22.8386% | 1,235 |
| Memoranda: | ||
| Average total assets | $36,971,500 | 7,201 |
| Average earning assets | $34,655,500 | 7,142 |
| Average equity | $5,965,500 | 6,530 |
| Average total loans | $25,111,000 | 6,879 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9818% | 1,937 |
| Cost of funding earning assets | 1.5097% | 5,473 |
| Net interest margin | 4.4721% | 1,231 |
| Noninterest income to average assets | 0.3501% | 5,590 |
| Noninterest expense to average assets | 2.7364% | 5,214 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.8092% | 354 |
| Return on assets (ROA) | 1.8092% | 364 |
| Pretax return on assets | 1.8092% | 624 |
| Return on Equity (ROE) | 11.7461% | 1,222 |
| Retained earnings to average equity (ytd only) | 3.5915% | 2,669 |
| Net charge-offs to loans | -0.1624% | 7,904 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1999% | 6,462 |
| Assets per employee ($millions) | 3.4343% | 5,170 |
| Cash dividends to net income (ytd only)* | 69.4239% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 2,783 |
| Loan loss allowance to noncurrent loans | 118.6667% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 5,122 |
| Noncurrent loans to loans | 1.4595% | 4,484 |
| Net loans and leases to total assets | 66.8370% | 3,965 |
| Net loans and leases to deposits | 85.2747% | 3,034 |
| Net loans and leases to core deposits | 88.4192% | 5,283 |
| Total domestic deposits to total assets | 78.3784% | 6,151 |
| Equity capital to assets | 15.6391% | 759 |
| Core capital (leverage) ratio | 14.8820% | 810 |
| Tier 1 risk-based capital ratio | 20.2335% | 1,421 |
| Total risk-based capital ratio | 21.4871% | 1,382 |
| Memoranda: | ||
| Average total assets | $37,420,800 | 7,192 |
| Average earning assets | $35,106,600 | 7,130 |
| Average equity | $5,763,600 | 6,688 |
| Average total loans | $24,624,200 | 6,938 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0159% | 1,970 |
| Cost of funding earning assets | 1.5515% | 5,628 |
| Net interest margin | 4.4644% | 1,280 |
| Noninterest income to average assets | 0.3393% | 5,780 |
| Noninterest expense to average assets | 2.6572% | 5,499 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8750% | 379 |
| Return on assets (ROA) | 1.8750% | 403 |
| Pretax return on assets | 1.8750% | 692 |
| Return on Equity (ROE) | 12.2214% | 1,305 |
| Retained earnings to average equity (ytd only) | 3.7247% | 3,204 |
| Net charge-offs to loans | -0.2080% | 7,974 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6288% | 6,627 |
| Assets per employee ($millions) | 3.4025% | 5,160 |
| Cash dividends to net income (ytd only)* | 69.5234% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 2,227 |
| Loan loss allowance to noncurrent loans | 126.4957% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 5,195 |
| Noncurrent loans to loans | 1.4366% | 4,515 |
| Net loans and leases to total assets | 64.0928% | 4,850 |
| Net loans and leases to deposits | 88.9301% | 2,792 |
| Net loans and leases to core deposits | 91.3341% | 5,296 |
| Total domestic deposits to total assets | 72.0710% | 7,201 |
| Equity capital to assets | 15.7239% | 849 |
| Core capital (leverage) ratio | 14.9414% | 869 |
| Tier 1 risk-based capital ratio | 20.9041% | 1,378 |
| Total risk-based capital ratio | 22.1278% | 1,359 |
| Memoranda: | ||
| Average total assets | $37,331,750 | 7,260 |
| Average earning assets | $35,061,750 | 7,205 |
| Average equity | $5,727,500 | 6,766 |
| Average total loans | $24,356,750 | 7,012 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0380% | 2,024 |
| Cost of funding earning assets | 1.6094% | 5,706 |
| Net interest margin | 4.4286% | 1,342 |
| Noninterest income to average assets | 0.3646% | 5,593 |
| Noninterest expense to average assets | 2.6917% | 5,415 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8338% | 427 |
| Return on assets (ROA) | 1.8338% | 464 |
| Pretax return on assets | 1.8338% | 797 |
| Return on Equity (ROE) | 12.0529% | 1,392 |
| Retained earnings to average equity (ytd only) | 2.8899% | 3,721 |
| Net charge-offs to loans | -0.4685% | 8,100 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4787% | 6,624 |
| Assets per employee ($millions) | 3.3523% | 5,181 |
| Cash dividends to net income (ytd only)* | 76.0234% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9005% | 1,791 |
| Loan loss allowance to noncurrent loans | 97.8814% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.2800% | 4,377 |
| Noncurrent loans to loans | 1.9416% | 3,613 |
| Net loans and leases to total assets | 64.6725% | 4,842 |
| Net loans and leases to deposits | 87.0270% | 3,353 |
| Net loans and leases to core deposits | 89.0017% | 5,632 |
| Total domestic deposits to total assets | 74.3132% | 6,907 |
| Equity capital to assets | 15.6502% | 897 |
| Core capital (leverage) ratio | 14.6670% | 982 |
| Tier 1 risk-based capital ratio | 20.8488% | 1,425 |
| Total risk-based capital ratio | 22.1057% | 1,389 |
| Memoranda: | ||
| Average total assets | $37,300,000 | 7,322 |
| Average earning assets | $35,044,670 | 7,262 |
| Average equity | $5,675,000 | 6,844 |
| Average total loans | $24,331,670 | 7,064 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7907% | 3,350 |
| Cost of funding earning assets | 1.6918% | 5,629 |
| Net interest margin | 4.0989% | 2,273 |
| Noninterest income to average assets | 0.4265% | 4,990 |
| Noninterest expense to average assets | 2.6338% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6421% | 735 |
| Return on assets (ROA) | 1.6421% | 804 |
| Pretax return on assets | 1.6421% | 1,310 |
| Return on Equity (ROE) | 10.9472% | 1,980 |
| Retained earnings to average equity (ytd only) | -0.0711% | 5,664 |
| Net charge-offs to loans | -0.2465% | 8,038 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5960% | 6,130 |
| Assets per employee ($millions) | 3.3273% | 5,261 |
| Cash dividends to net income (ytd only)* | 100.6494% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 1,924 |
| Loan loss allowance to noncurrent loans | 378.3784% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 6,613 |
| Noncurrent loans to loans | 0.4684% | 6,242 |
| Net loans and leases to total assets | 63.6011% | 5,053 |
| Net loans and leases to deposits | 86.4293% | 3,561 |
| Net loans and leases to core deposits | 88.4154% | 5,696 |
| Total domestic deposits to total assets | 73.5874% | 6,952 |
| Equity capital to assets | 15.4098% | 983 |
| Core capital (leverage) ratio | 14.6749% | 1,040 |
| Tier 1 risk-based capital ratio | 21.0076% | 1,450 |
| Total risk-based capital ratio | 22.2622% | 1,422 |
| Memoranda: | ||
| Average total assets | $37,512,500 | 7,351 |
| Average earning assets | $35,229,000 | 7,294 |
| Average equity | $5,627,000 | 6,907 |
| Average total loans | $24,342,500 | 7,112 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4826% | 3,047 |
| Cost of funding earning assets | 2.1716% | 5,724 |
| Net interest margin | 4.3110% | 1,941 |
| Noninterest income to average assets | 0.3676% | 5,762 |
| Noninterest expense to average assets | 2.6941% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7202% | 651 |
| Return on assets (ROA) | 1.7174% | 629 |
| Pretax return on assets | 1.7174% | 1,110 |
| Return on Equity (ROE) | 11.5532% | 1,736 |
| Retained earnings to average equity (ytd only) | 3.7096% | 2,834 |
| Net charge-offs to loans | -0.0130% | 7,880 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0317% | 6,154 |
| Assets per employee ($millions) | 3.4932% | 4,680 |
| Cash dividends to net income (ytd only)* | 67.8914% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 2,158 |
| Loan loss allowance to noncurrent loans | 519.2308% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 6,761 |
| Noncurrent loans to loans | 0.3122% | 6,439 |
| Net loans and leases to total assets | 63.9740% | 5,278 |
| Net loans and leases to deposits | 87.3530% | 3,886 |
| Net loans and leases to core deposits | 90.4981% | 5,756 |
| Total domestic deposits to total assets | 73.2362% | 6,788 |
| Equity capital to assets | 14.6103% | 1,273 |
| Core capital (leverage) ratio | 14.6732% | 1,098 |
| Tier 1 risk-based capital ratio | 19.5757% | 1,689 |
| Total risk-based capital ratio | 20.8276% | 1,645 |
| Memoranda: | ||
| Average total assets | $36,449,800 | 7,364 |
| Average earning assets | $34,214,600 | 7,316 |
| Average equity | $5,418,400 | 7,010 |
| Average total loans | $23,070,000 | 7,131 |