Home > First National Bank in Pinckneyville > Performance and Condition Ratios
First National Bank in Pinckneyville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 3,348 |
| Cost of funding earning assets | 0.2335% | 4,429 |
| Net interest margin | 4.1251% | 1,041 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.5968% | 2,016 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.5339% | 960 |
| Return on assets (ROA) | 1.5252% | 943 |
| Pretax return on assets | 1.6978% | 1,069 |
| Return on Equity (ROE) | 22.4000% | 438 |
| Retained earnings to average equity (ytd only) | 6.2127% | 2,170 |
| Net charge-offs to loans | 0.2441% | 439 |
| Credit loss provision to net charge-offs | 54.8387% | 2,174 |
| Earnings coverage of net charge-offs (x) | 18.9839% | 1,916 |
| Efficiency ratio | 59.6157% | 3,127 |
| Assets per employee ($millions) | 6.1675% | 2,678 |
| Cash dividends to net income (ytd only)* | 72.2685% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,174 |
| Loan loss allowance to noncurrent loans | 70.8333% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 1,019 |
| Noncurrent loans to loans | 1.4511% | 476 |
| Net loans and leases to total assets | 37.4000% | 4,112 |
| Net loans and leases to deposits | 42.4975% | 4,145 |
| Net loans and leases to core deposits | 42.9046% | 4,227 |
| Total domestic deposits to total assets | 88.0000% | 1,358 |
| Equity capital to assets | 8.0393% | 3,387 |
| Core capital (leverage) ratio | 11.6852% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4920% | 294 |
| Memoranda: | ||
| Average total assets | $133,818,400 | 3,515 |
| Average earning assets | $124,601,800 | 3,494 |
| Average equity | $9,110,400 | 3,812 |
| Average total loans | $50,806,000 | 3,834 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 3,249 |
| Cost of funding earning assets | 0.2161% | 4,432 |
| Net interest margin | 4.1099% | 1,048 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.4716% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6842% | 813 |
| Return on assets (ROA) | 1.6727% | 825 |
| Pretax return on assets | 1.9077% | 851 |
| Return on Equity (ROE) | 25.7500% | 363 |
| Retained earnings to average equity (ytd only) | 9.9755% | 1,410 |
| Net charge-offs to loans | 0.1473% | 563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 34.3036% | 1,527 |
| Efficiency ratio | 56.2713% | 3,381 |
| Assets per employee ($millions) | 5.9339% | 2,813 |
| Cash dividends to net income (ytd only)* | 61.2672% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,206 |
| Loan loss allowance to noncurrent loans | 64.9383% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 938 |
| Noncurrent loans to loans | 1.5875% | 441 |
| Net loans and leases to total assets | 38.6800% | 4,106 |
| Net loans and leases to deposits | 41.8265% | 4,165 |
| Net loans and leases to core deposits | 42.2584% | 4,210 |
| Total domestic deposits to total assets | 92.4800% | 378 |
| Equity capital to assets | 5.4693% | 4,148 |
| Core capital (leverage) ratio | 11.8615% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2083% | 312 |
| Memoranda: | ||
| Average total assets | $133,352,000 | 3,524 |
| Average earning assets | $124,023,000 | 3,509 |
| Average equity | $8,661,000 | 3,868 |
| Average total loans | $50,689,500 | 3,845 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 3,282 |
| Cost of funding earning assets | 0.1407% | 4,486 |
| Net interest margin | 4.0656% | 1,137 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.3547% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6070% | 937 |
| Return on assets (ROA) | 1.6070% | 941 |
| Pretax return on assets | 1.8944% | 877 |
| Return on Equity (ROE) | 23.5400% | 457 |
| Retained earnings to average equity (ytd only) | 9.3586% | 1,587 |
| Net charge-offs to loans | 0.1661% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 30.2857% | 1,545 |
| Efficiency ratio | 55.4154% | 3,487 |
| Assets per employee ($millions) | 6.0467% | 2,669 |
| Cash dividends to net income (ytd only)* | 60.2410% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,125 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 1,116 |
| Noncurrent loans to loans | 1.2757% | 558 |
| Net loans and leases to total assets | 37.7800% | 4,124 |
| Net loans and leases to deposits | 41.7640% | 4,164 |
| Net loans and leases to core deposits | 42.1963% | 4,210 |
| Total domestic deposits to total assets | 90.4600% | 795 |
| Equity capital to assets | 7.0053% | 3,798 |
| Core capital (leverage) ratio | 11.4811% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9259% | 314 |
| Memoranda: | ||
| Average total assets | $134,287,333 | 3,524 |
| Average earning assets | $125,048,000 | 3,508 |
| Average equity | $9,168,000 | 3,829 |
| Average total loans | $50,578,000 | 3,854 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 3,220 |
| Cost of funding earning assets | 0.1241% | 4,502 |
| Net interest margin | 3.9934% | 1,276 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.2532% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6395% | 924 |
| Return on assets (ROA) | 1.6395% | 922 |
| Pretax return on assets | 1.9360% | 864 |
| Return on Equity (ROE) | 24.3300% | 439 |
| Retained earnings to average equity (ytd only) | 21.0283% | 319 |
| Net charge-offs to loans | 0.3329% | 239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 15.5476% | 1,540 |
| Efficiency ratio | 53.7863% | 3,623 |
| Assets per employee ($millions) | 6.8292% | 2,095 |
| Cash dividends to net income (ytd only)* | 13.5624% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,177 |
| Loan loss allowance to noncurrent loans | 68.4411% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 887 |
| Noncurrent loans to loans | 1.5704% | 415 |
| Net loans and leases to total assets | 36.3900% | 4,176 |
| Net loans and leases to deposits | 39.5712% | 4,236 |
| Net loans and leases to core deposits | 39.8274% | 4,274 |
| Total domestic deposits to total assets | 91.9600% | 526 |
| Equity capital to assets | 7.1414% | 3,763 |
| Core capital (leverage) ratio | 11.3927% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9610% | 315 |
| Memoranda: | ||
| Average total assets | $134,917,000 | 3,569 |
| Average earning assets | $125,708,500 | 3,545 |
| Average equity | $9,092,500 | 3,886 |
| Average total loans | $50,469,500 | 3,900 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 3,500 |
| Cost of funding earning assets | 0.1782% | 3,928 |
| Net interest margin | 3.1605% | 2,984 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.3678% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9931% | 2,595 |
| Return on assets (ROA) | 0.9623% | 2,659 |
| Pretax return on assets | 1.0376% | 2,951 |
| Return on Equity (ROE) | 11.9300% | 2,163 |
| Retained earnings to average equity (ytd only) | 3.2097% | 3,664 |
| Net charge-offs to loans | 0.0143% | 1,849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 217.4286% | 616 |
| Efficiency ratio | 68.8625% | 1,859 |
| Assets per employee ($millions) | 6.6626% | 2,206 |
| Cash dividends to net income (ytd only)* | 73.0994% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6174% | 4,321 |
| Loan loss allowance to noncurrent loans | 28.3772% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.8278% | 562 |
| Noncurrent loans to loans | 2.1757% | 239 |
| Net loans and leases to total assets | 37.8100% | 4,150 |
| Net loans and leases to deposits | 40.6869% | 4,223 |
| Net loans and leases to core deposits | 40.9541% | 4,254 |
| Total domestic deposits to total assets | 92.9300% | 421 |
| Equity capital to assets | 6.3272% | 3,969 |
| Core capital (leverage) ratio | 10.8652% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6618% | 347 |
| Memoranda: | ||
| Average total assets | $142,156,200 | 3,516 |
| Average earning assets | $133,522,000 | 3,492 |
| Average equity | $11,465,400 | 3,720 |
| Average total loans | $49,036,200 | 3,912 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0795% | 3,720 |
| Cost of funding earning assets | 0.1775% | 3,543 |
| Net interest margin | 2.9020% | 3,494 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.9651% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0269% | 2,380 |
| Return on assets (ROA) | 1.0269% | 2,348 |
| Pretax return on assets | 1.1109% | 2,684 |
| Return on Equity (ROE) | 12.1300% | 1,994 |
| Retained earnings to average equity (ytd only) | 9.6747% | 1,438 |
| Net charge-offs to loans | 0.0137% | 1,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 240.6000% | 553 |
| Efficiency ratio | 63.8847% | 2,567 |
| Assets per employee ($millions) | 6.4959% | 2,321 |
| Cash dividends to net income (ytd only)* | 20.2338% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 4,345 |
| Loan loss allowance to noncurrent loans | 36.7561% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 840 |
| Noncurrent loans to loans | 1.7419% | 376 |
| Net loans and leases to total assets | 35.8400% | 4,236 |
| Net loans and leases to deposits | 40.3885% | 4,226 |
| Net loans and leases to core deposits | 40.7688% | 4,258 |
| Total domestic deposits to total assets | 88.7300% | 2,197 |
| Equity capital to assets | 5.9943% | 3,970 |
| Core capital (leverage) ratio | 11.1851% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2780% | 336 |
| Memoranda: | ||
| Average total assets | $144,382,500 | 3,522 |
| Average earning assets | $135,950,750 | 3,485 |
| Average equity | $12,224,000 | 3,693 |
| Average total loans | $48,621,250 | 3,932 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8784% | 3,833 |
| Cost of funding earning assets | 0.1741% | 3,263 |
| Net interest margin | 2.7044% | 3,693 |
| Noninterest income to average assets | 0.3482% | 3,067 |
| Noninterest expense to average assets | 1.9423% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9018% | 2,573 |
| Return on assets (ROA) | 0.9018% | 2,544 |
| Pretax return on assets | 0.9630% | 2,860 |
| Return on Equity (ROE) | 9.7694% | 2,418 |
| Retained earnings to average equity (ytd only) | 7.5591% | 1,786 |
| Net charge-offs to loans | 0.0083% | 1,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 354.0000% | 354 |
| Efficiency ratio | 66.8539% | 2,397 |
| Assets per employee ($millions) | 7.1742% | 1,826 |
| Cash dividends to net income (ytd only)* | 22.6244% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 4,404 |
| Loan loss allowance to noncurrent loans | 38.9706% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 990 |
| Noncurrent loans to loans | 1.6769% | 422 |
| Net loans and leases to total assets | 33.6916% | 4,345 |
| Net loans and leases to deposits | 38.3700% | 4,319 |
| Net loans and leases to core deposits | 38.7278% | 4,360 |
| Total domestic deposits to total assets | 87.8070% | 2,653 |
| Equity capital to assets | 7.2600% | 3,623 |
| Core capital (leverage) ratio | 10.6116% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5839% | 339 |
| Memoranda: | ||
| Average total assets | $147,039,000 | 3,530 |
| Average earning assets | $139,034,333 | 3,501 |
| Average equity | $13,573,000 | 3,627 |
| Average total loans | $48,428,333 | 3,985 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6557% | 4,021 |
| Cost of funding earning assets | 0.1699% | 3,221 |
| Net interest margin | 2.4859% | 3,929 |
| Noninterest income to average assets | 0.3360% | 3,084 |
| Noninterest expense to average assets | 1.9299% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7472% | 2,864 |
| Return on assets (ROA) | 0.7472% | 2,857 |
| Pretax return on assets | 0.7660% | 3,211 |
| Return on Equity (ROE) | 7.3394% | 2,933 |
| Retained earnings to average equity (ytd only) | 5.3594% | 2,458 |
| Net charge-offs to loans | 0.0331% | 971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 71.2500% | 788 |
| Efficiency ratio | 71.5852% | 2,030 |
| Assets per employee ($millions) | 7.1040% | 1,918 |
| Cash dividends to net income (ytd only)* | 26.9784% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 4,448 |
| Loan loss allowance to noncurrent loans | 35.7062% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 998 |
| Noncurrent loans to loans | 1.8522% | 409 |
| Net loans and leases to total assets | 31.8164% | 4,387 |
| Net loans and leases to deposits | 38.4587% | 4,307 |
| Net loans and leases to core deposits | 38.8243% | 4,344 |
| Total domestic deposits to total assets | 82.7287% | 3,973 |
| Equity capital to assets | 9.1297% | 2,599 |
| Core capital (leverage) ratio | 10.0301% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1831% | 286 |
| Memoranda: | ||
| Average total assets | $148,816,500 | 3,525 |
| Average earning assets | $141,279,500 | 3,495 |
| Average equity | $15,151,000 | 3,552 |
| Average total loans | $48,312,500 | 3,999 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8533% | 4,130 |
| Cost of funding earning assets | 0.1890% | 3,568 |
| Net interest margin | 2.6643% | 3,935 |
| Noninterest income to average assets | 0.4422% | 2,844 |
| Noninterest expense to average assets | 1.9195% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9561% | 2,845 |
| Return on assets (ROA) | 0.9561% | 2,916 |
| Pretax return on assets | 1.0523% | 3,123 |
| Return on Equity (ROE) | 8.0302% | 3,214 |
| Retained earnings to average equity (ytd only) | 0.8802% | 4,290 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5894% | 2,465 |
| Assets per employee ($millions) | 7.0690% | 1,882 |
| Cash dividends to net income (ytd only)* | 89.0390% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 4,491 |
| Loan loss allowance to noncurrent loans | 34.2246% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 1,044 |
| Noncurrent loans to loans | 1.9143% | 414 |
| Net loans and leases to total assets | 32.6873% | 4,423 |
| Net loans and leases to deposits | 40.6600% | 4,323 |
| Net loans and leases to core deposits | 41.0594% | 4,368 |
| Total domestic deposits to total assets | 80.3919% | 4,179 |
| Equity capital to assets | 11.2375% | 1,640 |
| Core capital (leverage) ratio | 10.1636% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1179% | 392 |
| Memoranda: | ||
| Average total assets | $139,309,200 | 3,589 |
| Average earning assets | $132,269,000 | 3,549 |
| Average equity | $16,587,400 | 3,495 |
| Average total loans | $45,895,600 | 4,072 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8597% | 4,226 |
| Cost of funding earning assets | 0.1947% | 3,662 |
| Net interest margin | 2.6650% | 4,035 |
| Noninterest income to average assets | 0.4826% | 2,701 |
| Noninterest expense to average assets | 1.8429% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0489% | 2,736 |
| Return on assets (ROA) | 1.0489% | 2,802 |
| Pretax return on assets | 1.1696% | 3,020 |
| Return on Equity (ROE) | 8.6774% | 3,205 |
| Retained earnings to average equity (ytd only) | 0.3381% | 4,517 |
| Net charge-offs to loans | 0.0030% | 2,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,202.0000% | 133 |
| Efficiency ratio | 61.1757% | 2,808 |
| Assets per employee ($millions) | 6.8141% | 2,006 |
| Cash dividends to net income (ytd only)* | 96.1039% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 4,536 |
| Loan loss allowance to noncurrent loans | 38.8078% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 1,342 |
| Noncurrent loans to loans | 1.7499% | 565 |
| Net loans and leases to total assets | 32.6031% | 4,521 |
| Net loans and leases to deposits | 41.0665% | 4,413 |
| Net loans and leases to core deposits | 41.5363% | 4,463 |
| Total domestic deposits to total assets | 79.3909% | 4,312 |
| Equity capital to assets | 11.7074% | 1,541 |
| Core capital (leverage) ratio | 10.1860% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8186% | 383 |
| Memoranda: | ||
| Average total assets | $137,024,250 | 3,648 |
| Average earning assets | $130,079,500 | 3,614 |
| Average equity | $16,563,750 | 3,545 |
| Average total loans | $45,158,500 | 4,144 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8600% | 4,270 |
| Cost of funding earning assets | 0.2013% | 3,734 |
| Net interest margin | 2.6587% | 4,062 |
| Noninterest income to average assets | 0.5644% | 2,354 |
| Noninterest expense to average assets | 1.8844% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0741% | 2,632 |
| Return on assets (ROA) | 1.0741% | 2,703 |
| Pretax return on assets | 1.2044% | 2,896 |
| Return on Equity (ROE) | 8.7875% | 3,169 |
| Retained earnings to average equity (ytd only) | -2.8605% | 4,710 |
| Net charge-offs to loans | 0.0045% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 813.0000% | 170 |
| Efficiency ratio | 61.0072% | 2,871 |
| Assets per employee ($millions) | 6.8622% | 1,899 |
| Cash dividends to net income (ytd only)* | 132.5517% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 4,543 |
| Loan loss allowance to noncurrent loans | 42.5333% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 1,598 |
| Noncurrent loans to loans | 1.6309% | 666 |
| Net loans and leases to total assets | 31.6913% | 4,595 |
| Net loans and leases to deposits | 39.7734% | 4,530 |
| Net loans and leases to core deposits | 40.2232% | 4,574 |
| Total domestic deposits to total assets | 79.6795% | 4,272 |
| Equity capital to assets | 11.5026% | 1,626 |
| Core capital (leverage) ratio | 10.3008% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2755% | 367 |
| Memoranda: | ||
| Average total assets | $135,000,000 | 3,685 |
| Average earning assets | $128,184,000 | 3,647 |
| Average equity | $16,500,667 | 3,555 |
| Average total loans | $44,553,667 | 4,180 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9123% | 4,236 |
| Cost of funding earning assets | 0.2166% | 3,762 |
| Net interest margin | 2.6958% | 3,979 |
| Noninterest income to average assets | 0.7145% | 1,827 |
| Noninterest expense to average assets | 2.0330% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1008% | 2,475 |
| Return on assets (ROA) | 1.1008% | 2,548 |
| Pretax return on assets | 1.2388% | 2,735 |
| Return on Equity (ROE) | 8.7226% | 3,126 |
| Retained earnings to average equity (ytd only) | -12.8045% | 4,858 |
| Net charge-offs to loans | -0.0091% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1368% | 2,734 |
| Assets per employee ($millions) | 6.3780% | 2,273 |
| Cash dividends to net income (ytd only)* | 246.7967% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7168% | 4,547 |
| Loan loss allowance to noncurrent loans | 43.4371% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 1,716 |
| Noncurrent loans to loans | 1.6501% | 732 |
| Net loans and leases to total assets | 33.1967% | 4,597 |
| Net loans and leases to deposits | 40.2191% | 4,558 |
| Net loans and leases to core deposits | 40.6913% | 4,600 |
| Total domestic deposits to total assets | 82.5397% | 3,791 |
| Equity capital to assets | 11.8742% | 1,347 |
| Core capital (leverage) ratio | 10.8733% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6602% | 335 |
| Memoranda: | ||
| Average total assets | $130,447,000 | 3,735 |
| Average earning assets | $123,749,500 | 3,697 |
| Average equity | $16,463,000 | 3,560 |
| Average total loans | $43,836,500 | 4,213 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 4,059 |
| Cost of funding earning assets | 0.2604% | 4,336 |
| Net interest margin | 3.2227% | 3,297 |
| Noninterest income to average assets | 0.5971% | 2,221 |
| Noninterest expense to average assets | 2.3685% | 3,212 |
| Loan and lease loss provision to assets | 0.0087% | 4,246 |
| Net operating income to assets | 1.1376% | 1,775 |
| Return on assets (ROA) | 1.1376% | 1,898 |
| Pretax return on assets | 1.2509% | 2,152 |
| Return on Equity (ROE) | 7.4577% | 3,015 |
| Retained earnings to average equity (ytd only) | -3.9717% | 4,811 |
| Net charge-offs to loans | -0.0070% | 4,195 |
| Credit loss provision to net charge-offs | -333.3333% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2811% | 2,638 |
| Assets per employee ($millions) | 5.7707% | 2,563 |
| Cash dividends to net income (ytd only)* | 153.2567% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 4,516 |
| Loan loss allowance to noncurrent loans | 40.0000% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 1,669 |
| Noncurrent loans to loans | 1.8653% | 650 |
| Net loans and leases to total assets | 33.5305% | 4,662 |
| Net loans and leases to deposits | 41.5668% | 4,609 |
| Net loans and leases to core deposits | 42.0942% | 4,650 |
| Total domestic deposits to total assets | 80.6665% | 3,929 |
| Equity capital to assets | 13.4078% | 963 |
| Core capital (leverage) ratio | 11.7926% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1877% | 261 |
| Memoranda: | ||
| Average total assets | $114,714,600 | 3,813 |
| Average earning assets | $107,892,000 | 3,798 |
| Average equity | $17,498,800 | 3,417 |
| Average total loans | $42,881,800 | 4,258 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 4,005 |
| Cost of funding earning assets | 0.2735% | 4,421 |
| Net interest margin | 3.3292% | 3,102 |
| Noninterest income to average assets | 0.6401% | 2,023 |
| Noninterest expense to average assets | 2.3536% | 3,275 |
| Loan and lease loss provision to assets | 0.0116% | 4,160 |
| Net operating income to assets | 1.2443% | 1,503 |
| Return on assets (ROA) | 1.2443% | 1,618 |
| Pretax return on assets | 1.3995% | 1,736 |
| Return on Equity (ROE) | 7.8857% | 2,849 |
| Retained earnings to average equity (ytd only) | 5.8499% | 2,172 |
| Net charge-offs to loans | -0.0155% | 4,349 |
| Credit loss provision to net charge-offs | -200.0000% | 3,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5119% | 2,990 |
| Assets per employee ($millions) | 5.5690% | 2,653 |
| Cash dividends to net income (ytd only)* | 25.8157% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 4,521 |
| Loan loss allowance to noncurrent loans | 41.0191% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 1,822 |
| Noncurrent loans to loans | 1.7777% | 751 |
| Net loans and leases to total assets | 35.7784% | 4,688 |
| Net loans and leases to deposits | 45.4470% | 4,624 |
| Net loans and leases to core deposits | 45.5807% | 4,672 |
| Total domestic deposits to total assets | 78.7256% | 4,099 |
| Equity capital to assets | 14.9260% | 653 |
| Core capital (leverage) ratio | 13.1265% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5873% | 231 |
| Memoranda: | ||
| Average total assets | $111,654,250 | 3,855 |
| Average earning assets | $104,808,000 | 3,837 |
| Average equity | $17,618,000 | 3,404 |
| Average total loans | $42,880,000 | 4,280 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 3,941 |
| Cost of funding earning assets | 0.2924% | 4,504 |
| Net interest margin | 3.4797% | 2,860 |
| Noninterest income to average assets | 0.7350% | 1,621 |
| Noninterest expense to average assets | 2.4622% | 3,069 |
| Loan and lease loss provision to assets | 0.0185% | 4,006 |
| Net operating income to assets | 1.3551% | 1,211 |
| Return on assets (ROA) | 1.3551% | 1,304 |
| Pretax return on assets | 1.5144% | 1,419 |
| Return on Equity (ROE) | 8.4162% | 2,596 |
| Retained earnings to average equity (ytd only) | 6.1972% | 1,991 |
| Net charge-offs to loans | -0.0188% | 4,387 |
| Credit loss provision to net charge-offs | -250.0000% | 3,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6311% | 3,178 |
| Assets per employee ($millions) | 5.3340% | 2,792 |
| Cash dividends to net income (ytd only)* | 26.3661% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 4,483 |
| Loan loss allowance to noncurrent loans | 65.9138% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 2,707 |
| Noncurrent loans to loans | 1.1277% | 1,397 |
| Net loans and leases to total assets | 34.9391% | 4,754 |
| Net loans and leases to deposits | 44.1410% | 4,699 |
| Net loans and leases to core deposits | 44.7540% | 4,741 |
| Total domestic deposits to total assets | 79.1534% | 4,016 |
| Equity capital to assets | 14.6321% | 701 |
| Core capital (leverage) ratio | 13.6150% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1607% | 237 |
| Memoranda: | ||
| Average total assets | $108,033,000 | 3,891 |
| Average earning assets | $101,214,333 | 3,870 |
| Average equity | $17,395,000 | 3,426 |
| Average total loans | $42,454,333 | 4,305 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 3,441 |
| Cost of funding earning assets | 0.3493% | 4,519 |
| Net interest margin | 3.7786% | 2,055 |
| Noninterest income to average assets | 0.6315% | 1,896 |
| Noninterest expense to average assets | 2.6453% | 2,849 |
| Loan and lease loss provision to assets | 0.0397% | 3,277 |
| Net operating income to assets | 1.3147% | 1,207 |
| Return on assets (ROA) | 1.3147% | 1,299 |
| Pretax return on assets | 1.4696% | 1,384 |
| Return on Equity (ROE) | 7.7350% | 2,626 |
| Retained earnings to average equity (ytd only) | 4.9541% | 2,293 |
| Net charge-offs to loans | -0.0190% | 4,319 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6711% | 3,287 |
| Assets per employee ($millions) | 4.2613% | 3,578 |
| Cash dividends to net income (ytd only)* | 35.9517% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,482 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 3,083 |
| Noncurrent loans to loans | 0.8332% | 1,942 |
| Net loans and leases to total assets | 40.5272% | 4,649 |
| Net loans and leases to deposits | 53.5179% | 4,465 |
| Net loans and leases to core deposits | 54.4502% | 4,551 |
| Total domestic deposits to total assets | 75.7265% | 4,509 |
| Equity capital to assets | 16.9421% | 450 |
| Core capital (leverage) ratio | 15.4734% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8545% | 214 |
| Memoranda: | ||
| Average total assets | $100,708,500 | 3,978 |
| Average earning assets | $93,896,000 | 3,968 |
| Average equity | $17,117,000 | 3,459 |
| Average total loans | $42,089,000 | 4,328 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2127% | 3,784 |
| Cost of funding earning assets | 0.3675% | 4,547 |
| Net interest margin | 3.8452% | 2,357 |
| Noninterest income to average assets | 0.5715% | 2,365 |
| Noninterest expense to average assets | 2.7223% | 2,825 |
| Loan and lease loss provision to assets | 0.0355% | 3,298 |
| Net operating income to assets | 1.3213% | 1,609 |
| Return on assets (ROA) | 1.3213% | 1,690 |
| Pretax return on assets | 1.4011% | 2,157 |
| Return on Equity (ROE) | 8.3633% | 3,011 |
| Retained earnings to average equity (ytd only) | 4.6525% | 2,617 |
| Net charge-offs to loans | 0.0709% | 2,086 |
| Credit loss provision to net charge-offs | 120.0000% | 2,108 |
| Earnings coverage of net charge-offs (x) | 48.6000% | 1,148 |
| Efficiency ratio | 65.4584% | 2,845 |
| Assets per employee ($millions) | 3.9658% | 3,942 |
| Cash dividends to net income (ytd only)* | 44.3699% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 4,525 |
| Loan loss allowance to noncurrent loans | 101.9934% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 3,216 |
| Noncurrent loans to loans | 0.7097% | 2,100 |
| Net loans and leases to total assets | 42.4671% | 4,661 |
| Net loans and leases to deposits | 56.1611% | 4,452 |
| Net loans and leases to core deposits | 58.2674% | 4,509 |
| Total domestic deposits to total assets | 75.6165% | 4,647 |
| Equity capital to assets | 17.0528% | 460 |
| Core capital (leverage) ratio | 15.0815% | 669 |
| Tier 1 risk-based capital ratio | 32.5416% | 400 |
| Total risk-based capital ratio | 33.1963% | 406 |
| Memoranda: | ||
| Average total assets | $101,493,800 | 3,979 |
| Average earning assets | $94,689,400 | 3,953 |
| Average equity | $16,034,400 | 3,540 |
| Average total loans | $42,310,400 | 4,357 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,986 |
| Cost of funding earning assets | 0.3709% | 4,596 |
| Net interest margin | 3.8013% | 2,591 |
| Noninterest income to average assets | 0.5002% | 2,729 |
| Noninterest expense to average assets | 2.4973% | 3,446 |
| Loan and lease loss provision to assets | 0.0470% | 2,961 |
| Net operating income to assets | 1.4119% | 1,427 |
| Return on assets (ROA) | 1.4119% | 1,493 |
| Pretax return on assets | 1.5033% | 1,942 |
| Return on Equity (ROE) | 9.1128% | 2,839 |
| Retained earnings to average equity (ytd only) | 5.3614% | 2,699 |
| Net charge-offs to loans | 0.0568% | 2,018 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 65.9429% | 997 |
| Efficiency ratio | 61.6973% | 3,375 |
| Assets per employee ($millions) | 4.3676% | 3,384 |
| Cash dividends to net income (ytd only)* | 41.1656% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 4,595 |
| Loan loss allowance to noncurrent loans | 76.3158% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 2,914 |
| Noncurrent loans to loans | 0.9513% | 1,694 |
| Net loans and leases to total assets | 41.6130% | 4,761 |
| Net loans and leases to deposits | 54.2605% | 4,617 |
| Net loans and leases to core deposits | 56.8954% | 4,657 |
| Total domestic deposits to total assets | 76.6912% | 4,559 |
| Equity capital to assets | 16.1300% | 609 |
| Core capital (leverage) ratio | 15.0440% | 731 |
| Tier 1 risk-based capital ratio | 30.9279% | 454 |
| Total risk-based capital ratio | 31.5789% | 464 |
| Memoranda: | ||
| Average total assets | $102,081,000 | 4,006 |
| Average earning assets | $95,263,250 | 3,995 |
| Average equity | $15,816,250 | 3,596 |
| Average total loans | $42,285,250 | 4,410 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 4,000 |
| Cost of funding earning assets | 0.3645% | 4,633 |
| Net interest margin | 3.8022% | 2,583 |
| Noninterest income to average assets | 0.4784% | 2,795 |
| Noninterest expense to average assets | 2.5048% | 3,463 |
| Loan and lease loss provision to assets | 0.0712% | 2,392 |
| Net operating income to assets | 1.3641% | 1,532 |
| Return on assets (ROA) | 1.3641% | 1,593 |
| Pretax return on assets | 1.4491% | 2,035 |
| Return on Equity (ROE) | 8.9307% | 2,882 |
| Retained earnings to average equity (ytd only) | 4.1418% | 3,174 |
| Net charge-offs to loans | 0.1054% | 1,340 |
| Credit loss provision to net charge-offs | 163.6364% | 1,400 |
| Earnings coverage of net charge-offs (x) | 34.9545% | 1,338 |
| Efficiency ratio | 62.2299% | 3,396 |
| Assets per employee ($millions) | 4.3734% | 3,327 |
| Cash dividends to net income (ytd only)* | 53.6232% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7386% | 4,630 |
| Loan loss allowance to noncurrent loans | 69.0789% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 2,586 |
| Noncurrent loans to loans | 1.0691% | 1,531 |
| Net loans and leases to total assets | 42.0885% | 4,777 |
| Net loans and leases to deposits | 55.6826% | 4,607 |
| Net loans and leases to core deposits | 58.5544% | 4,622 |
| Total domestic deposits to total assets | 75.5866% | 4,715 |
| Equity capital to assets | 16.1232% | 601 |
| Core capital (leverage) ratio | 14.7985% | 751 |
| Tier 1 risk-based capital ratio | 30.9505% | 456 |
| Total risk-based capital ratio | 31.6075% | 465 |
| Memoranda: | ||
| Average total assets | $101,167,000 | 4,048 |
| Average earning assets | $94,365,330 | 4,030 |
| Average equity | $15,452,330 | 3,640 |
| Average total loans | $41,734,000 | 4,454 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 4,102 |
| Cost of funding earning assets | 0.3631% | 4,630 |
| Net interest margin | 3.7450% | 2,725 |
| Noninterest income to average assets | 0.4573% | 2,811 |
| Noninterest expense to average assets | 2.4957% | 3,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3365% | 1,572 |
| Return on assets (ROA) | 1.3365% | 1,608 |
| Pretax return on assets | 1.4588% | 1,891 |
| Return on Equity (ROE) | 8.9983% | 2,816 |
| Retained earnings to average equity (ytd only) | 5.6803% | 2,601 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1107% | 3,370 |
| Assets per employee ($millions) | 4.2292% | 3,582 |
| Cash dividends to net income (ytd only)* | 36.8732% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7256% | 4,726 |
| Loan loss allowance to noncurrent loans | 57.1970% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 2,544 |
| Noncurrent loans to loans | 1.2686% | 1,298 |
| Net loans and leases to total assets | 40.7080% | 4,870 |
| Net loans and leases to deposits | 52.2840% | 4,749 |
| Net loans and leases to core deposits | 55.6357% | 4,732 |
| Total domestic deposits to total assets | 77.8593% | 4,540 |
| Equity capital to assets | 15.1831% | 718 |
| Core capital (leverage) ratio | 14.8080% | 740 |
| Tier 1 risk-based capital ratio | 30.5711% | 456 |
| Total risk-based capital ratio | 31.1979% | 467 |
| Memoranda: | ||
| Average total assets | $101,456,500 | 4,083 |
| Average earning assets | $94,738,500 | 4,060 |
| Average equity | $15,069,500 | 3,694 |
| Average total loans | $41,275,500 | 4,505 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 4,425 |
| Cost of funding earning assets | 0.3119% | 4,504 |
| Net interest margin | 3.5159% | 3,652 |
| Noninterest income to average assets | 0.5431% | 2,591 |
| Noninterest expense to average assets | 2.4850% | 3,651 |
| Loan and lease loss provision to assets | 0.1067% | 2,068 |
| Net operating income to assets | 1.1288% | 2,482 |
| Return on assets (ROA) | 1.1314% | 2,466 |
| Pretax return on assets | 1.2372% | 2,750 |
| Return on Equity (ROE) | 8.0600% | 3,408 |
| Retained earnings to average equity (ytd only) | 2.0886% | 4,320 |
| Net charge-offs to loans | 0.1098% | 1,648 |
| Credit loss provision to net charge-offs | 270.7317% | 1,109 |
| Earnings coverage of net charge-offs (x) | 34.0244% | 1,477 |
| Efficiency ratio | 64.9497% | 3,033 |
| Assets per employee ($millions) | 4.0565% | 3,815 |
| Cash dividends to net income (ytd only)* | 74.0867% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 4,720 |
| Loan loss allowance to noncurrent loans | 56.7925% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 2,352 |
| Noncurrent loans to loans | 1.2949% | 1,222 |
| Net loans and leases to total assets | 40.0633% | 4,946 |
| Net loans and leases to deposits | 50.8810% | 4,858 |
| Net loans and leases to core deposits | 54.0905% | 4,846 |
| Total domestic deposits to total assets | 78.7392% | 4,361 |
| Equity capital to assets | 14.5229% | 832 |
| Core capital (leverage) ratio | 14.0006% | 921 |
| Tier 1 risk-based capital ratio | 30.1878% | 466 |
| Total risk-based capital ratio | 30.8137% | 476 |
| Memoranda: | ||
| Average total assets | $104,026,200 | 4,034 |
| Average earning assets | $97,131,400 | 4,019 |
| Average equity | $14,603,000 | 3,684 |
| Average total loans | $37,344,000 | 4,626 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7531% | 4,545 |
| Cost of funding earning assets | 0.2948% | 4,555 |
| Net interest margin | 3.4583% | 3,839 |
| Noninterest income to average assets | 0.5795% | 2,421 |
| Noninterest expense to average assets | 2.3653% | 3,938 |
| Loan and lease loss provision to assets | 0.1121% | 1,808 |
| Net operating income to assets | 1.2307% | 2,121 |
| Return on assets (ROA) | 1.2342% | 2,108 |
| Pretax return on assets | 1.3336% | 2,488 |
| Return on Equity (ROE) | 8.8663% | 3,143 |
| Retained earnings to average equity (ytd only) | 1.6012% | 4,697 |
| Net charge-offs to loans | 0.1390% | 1,173 |
| Credit loss provision to net charge-offs | 231.5789% | 1,246 |
| Earnings coverage of net charge-offs (x) | 29.7869% | 1,617 |
| Efficiency ratio | 62.1278% | 3,495 |
| Assets per employee ($millions) | 4.3285% | 3,389 |
| Cash dividends to net income (ytd only)* | 81.9400% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 4,762 |
| Loan loss allowance to noncurrent loans | 64.7465% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 2,616 |
| Noncurrent loans to loans | 1.1529% | 1,467 |
| Net loans and leases to total assets | 34.5276% | 5,187 |
| Net loans and leases to deposits | 43.0122% | 5,129 |
| Net loans and leases to core deposits | 45.4825% | 5,126 |
| Total domestic deposits to total assets | 80.2739% | 4,049 |
| Equity capital to assets | 13.2157% | 1,249 |
| Core capital (leverage) ratio | 13.9269% | 957 |
| Tier 1 risk-based capital ratio | 33.2617% | 360 |
| Total risk-based capital ratio | 33.9085% | 375 |
| Memoranda: | ||
| Average total assets | $104,679,750 | 4,057 |
| Average earning assets | $97,694,750 | 4,050 |
| Average equity | $14,571,750 | 3,714 |
| Average total loans | $36,447,500 | 4,694 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 4,481 |
| Cost of funding earning assets | 0.2776% | 4,574 |
| Net interest margin | 3.4657% | 3,748 |
| Noninterest income to average assets | 0.6299% | 2,180 |
| Noninterest expense to average assets | 2.4309% | 3,819 |
| Loan and lease loss provision to assets | 0.1295% | 1,529 |
| Net operating income to assets | 1.2058% | 2,173 |
| Return on assets (ROA) | 1.2058% | 2,172 |
| Pretax return on assets | 1.3024% | 2,501 |
| Return on Equity (ROE) | 8.5118% | 3,259 |
| Retained earnings to average equity (ytd only) | 0.8184% | 4,799 |
| Net charge-offs to loans | 0.1442% | 1,057 |
| Credit loss provision to net charge-offs | 257.6923% | 1,116 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,554 |
| Efficiency ratio | 62.9315% | 3,495 |
| Assets per employee ($millions) | 4.0264% | 3,851 |
| Cash dividends to net income (ytd only)* | 90.3846% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7523% | 4,824 |
| Loan loss allowance to noncurrent loans | 66.0194% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 2,649 |
| Noncurrent loans to loans | 1.1394% | 1,539 |
| Net loans and leases to total assets | 34.2793% | 5,231 |
| Net loans and leases to deposits | 43.1535% | 5,168 |
| Net loans and leases to core deposits | 45.7380% | 5,159 |
| Total domestic deposits to total assets | 79.4358% | 4,361 |
| Equity capital to assets | 13.8823% | 961 |
| Core capital (leverage) ratio | 13.8476% | 948 |
| Tier 1 risk-based capital ratio | 33.6101% | 358 |
| Total risk-based capital ratio | 34.2510% | 367 |
| Memoranda: | ||
| Average total assets | $103,502,330 | 4,120 |
| Average earning assets | $96,546,000 | 4,106 |
| Average equity | $14,662,000 | 3,724 |
| Average total loans | $36,048,670 | 4,751 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 4,257 |
| Cost of funding earning assets | 0.2624% | 4,634 |
| Net interest margin | 3.5242% | 3,443 |
| Noninterest income to average assets | 0.6452% | 2,053 |
| Noninterest expense to average assets | 2.4021% | 3,937 |
| Loan and lease loss provision to assets | 0.2604% | 551 |
| Net operating income to assets | 1.1894% | 2,054 |
| Return on assets (ROA) | 1.1894% | 2,067 |
| Pretax return on assets | 1.2710% | 2,472 |
| Return on Equity (ROE) | 8.3115% | 3,240 |
| Retained earnings to average equity (ytd only) | -4.9706% | 5,203 |
| Net charge-offs to loans | 0.2889% | 532 |
| Credit loss provision to net charge-offs | 257.6923% | 893 |
| Earnings coverage of net charge-offs (x) | 15.1538% | 1,677 |
| Efficiency ratio | 61.0672% | 3,933 |
| Assets per employee ($millions) | 4.1468% | 3,734 |
| Cash dividends to net income (ytd only)* | 159.8039% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 4,913 |
| Loan loss allowance to noncurrent loans | 75.7660% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 2,922 |
| Noncurrent loans to loans | 0.9920% | 1,841 |
| Net loans and leases to total assets | 34.6468% | 5,249 |
| Net loans and leases to deposits | 43.5560% | 5,171 |
| Net loans and leases to core deposits | 43.9810% | 5,211 |
| Total domestic deposits to total assets | 79.5455% | 4,487 |
| Equity capital to assets | 13.7891% | 947 |
| Core capital (leverage) ratio | 13.9394% | 891 |
| Tier 1 risk-based capital ratio | 33.5857% | 355 |
| Total risk-based capital ratio | 34.2338% | 368 |
| Memoranda: | ||
| Average total assets | $102,910,000 | 4,177 |
| Average earning assets | $96,022,500 | 4,159 |
| Average equity | $14,726,500 | 3,745 |
| Average total loans | $35,994,000 | 4,799 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 3,991 |
| Cost of funding earning assets | 0.1478% | 5,272 |
| Net interest margin | 3.6698% | 2,916 |
| Noninterest income to average assets | 0.6828% | 2,038 |
| Noninterest expense to average assets | 2.7085% | 3,100 |
| Loan and lease loss provision to assets | 0.1307% | 1,758 |
| Net operating income to assets | 1.2398% | 1,392 |
| Return on assets (ROA) | 1.2829% | 1,289 |
| Pretax return on assets | 1.2949% | 2,372 |
| Return on Equity (ROE) | 7.9236% | 2,828 |
| Retained earnings to average equity (ytd only) | 4.6950% | 2,323 |
| Net charge-offs to loans | 0.4164% | 597 |
| Credit loss provision to net charge-offs | 81.6327% | 2,920 |
| Earnings coverage of net charge-offs (x) | 8.6327% | 2,885 |
| Efficiency ratio | 66.2141% | 3,232 |
| Assets per employee ($millions) | 4.0860% | 3,832 |
| Cash dividends to net income (ytd only)* | 40.7470% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6453% | 5,165 |
| Loan loss allowance to noncurrent loans | 68.3432% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,907 |
| Noncurrent loans to loans | 0.9442% | 1,885 |
| Net loans and leases to total assets | 34.8181% | 5,319 |
| Net loans and leases to deposits | 44.4493% | 5,233 |
| Net loans and leases to core deposits | 44.7153% | 5,274 |
| Total domestic deposits to total assets | 78.3321% | 4,663 |
| Equity capital to assets | 14.8388% | 712 |
| Core capital (leverage) ratio | 14.9700% | 629 |
| Tier 1 risk-based capital ratio | 34.1422% | 341 |
| Total risk-based capital ratio | 34.6954% | 351 |
| Memoranda: | ||
| Average total assets | $91,822,200 | 4,392 |
| Average earning assets | $85,264,400 | 4,370 |
| Average equity | $14,867,000 | 3,734 |
| Average total loans | $35,303,800 | 4,862 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 3,679 |
| Cost of funding earning assets | 0.1402% | 5,372 |
| Net interest margin | 3.7592% | 2,541 |
| Noninterest income to average assets | 0.7052% | 1,973 |
| Noninterest expense to average assets | 2.6803% | 3,127 |
| Loan and lease loss provision to assets | 0.0299% | 3,519 |
| Net operating income to assets | 1.2867% | 1,386 |
| Return on assets (ROA) | 1.3387% | 1,251 |
| Pretax return on assets | 1.5404% | 1,618 |
| Return on Equity (ROE) | 8.0750% | 3,087 |
| Retained earnings to average equity (ytd only) | 4.8757% | 2,966 |
| Net charge-offs to loans | 0.1289% | 1,496 |
| Credit loss provision to net charge-offs | 58.8235% | 2,816 |
| Earnings coverage of net charge-offs (x) | 29.7368% | 1,562 |
| Efficiency ratio | 63.9572% | 3,549 |
| Assets per employee ($millions) | 3.5540% | 4,646 |
| Cash dividends to net income (ytd only)* | 39.6203% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6801% | 5,183 |
| Loan loss allowance to noncurrent loans | 47.0930% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 2,396 |
| Noncurrent loans to loans | 1.4441% | 1,295 |
| Net loans and leases to total assets | 39.9410% | 5,203 |
| Net loans and leases to deposits | 49.0796% | 5,158 |
| Net loans and leases to core deposits | 49.4049% | 5,218 |
| Total domestic deposits to total assets | 81.3801% | 3,954 |
| Equity capital to assets | 17.0161% | 425 |
| Core capital (leverage) ratio | 15.9235% | 500 |
| Tier 1 risk-based capital ratio | 35.4519% | 318 |
| Total risk-based capital ratio | 36.0625% | 322 |
| Memoranda: | ||
| Average total assets | $89,240,000 | 4,482 |
| Average earning assets | $82,746,250 | 4,465 |
| Average equity | $14,794,250 | 3,781 |
| Average total loans | $35,180,250 | 4,912 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 3,782 |
| Cost of funding earning assets | 0.1399% | 5,395 |
| Net interest margin | 3.6932% | 2,681 |
| Noninterest income to average assets | 0.7049% | 1,960 |
| Noninterest expense to average assets | 2.6631% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2545% | 1,422 |
| Return on assets (ROA) | 1.3248% | 1,264 |
| Pretax return on assets | 1.5509% | 1,492 |
| Return on Equity (ROE) | 8.0621% | 2,992 |
| Retained earnings to average equity (ytd only) | 6.0193% | 2,105 |
| Net charge-offs to loans | -0.0171% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4637% | 3,596 |
| Assets per employee ($millions) | 3.8018% | 4,276 |
| Cash dividends to net income (ytd only)* | 25.3378% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7351% | 5,121 |
| Loan loss allowance to noncurrent loans | 59.3182% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 2,761 |
| Noncurrent loans to loans | 1.2392% | 1,565 |
| Net loans and leases to total assets | 38.6272% | 5,280 |
| Net loans and leases to deposits | 47.1581% | 5,239 |
| Net loans and leases to core deposits | 47.4597% | 5,301 |
| Total domestic deposits to total assets | 81.9100% | 3,912 |
| Equity capital to assets | 16.5874% | 457 |
| Core capital (leverage) ratio | 15.7687% | 509 |
| Tier 1 risk-based capital ratio | 35.7486% | 290 |
| Total risk-based capital ratio | 36.4117% | 294 |
| Memoranda: | ||
| Average total assets | $89,369,670 | 4,509 |
| Average earning assets | $82,908,670 | 4,489 |
| Average equity | $14,686,000 | 3,799 |
| Average total loans | $34,996,670 | 4,953 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 3,649 |
| Cost of funding earning assets | 0.1416% | 5,428 |
| Net interest margin | 3.6903% | 2,516 |
| Noninterest income to average assets | 0.6468% | 2,196 |
| Noninterest expense to average assets | 2.6777% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2425% | 1,400 |
| Return on assets (ROA) | 1.3932% | 1,043 |
| Pretax return on assets | 1.5560% | 1,357 |
| Return on Equity (ROE) | 8.5192% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.4447% | 2,114 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8509% | 3,522 |
| Assets per employee ($millions) | 3.7229% | 4,461 |
| Cash dividends to net income (ytd only)* | 24.3506% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7443% | 5,213 |
| Loan loss allowance to noncurrent loans | 146.5909% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 3,915 |
| Noncurrent loans to loans | 0.5077% | 3,291 |
| Net loans and leases to total assets | 38.5063% | 5,305 |
| Net loans and leases to deposits | 46.6679% | 5,278 |
| Net loans and leases to core deposits | 46.9706% | 5,338 |
| Total domestic deposits to total assets | 82.5113% | 4,007 |
| Equity capital to assets | 16.3158% | 451 |
| Core capital (leverage) ratio | 15.9065% | 474 |
| Tier 1 risk-based capital ratio | 36.0201% | 299 |
| Total risk-based capital ratio | 36.6905% | 311 |
| Memoranda: | ||
| Average total assets | $88,432,500 | 4,564 |
| Average earning assets | $81,943,500 | 4,553 |
| Average equity | $14,461,500 | 3,855 |
| Average total loans | $34,742,000 | 5,008 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 2,920 |
| Cost of funding earning assets | 0.1496% | 5,428 |
| Net interest margin | 3.9334% | 1,840 |
| Noninterest income to average assets | 0.6793% | 2,266 |
| Noninterest expense to average assets | 2.8274% | 2,930 |
| Loan and lease loss provision to assets | 0.0059% | 4,241 |
| Net operating income to assets | 1.3159% | 1,177 |
| Return on assets (ROA) | 1.3159% | 1,235 |
| Pretax return on assets | 1.4617% | 1,706 |
| Return on Equity (ROE) | 7.6397% | 3,147 |
| Retained earnings to average equity (ytd only) | 5.2308% | 2,183 |
| Net charge-offs to loans | 0.0482% | 3,079 |
| Credit loss provision to net charge-offs | 29.4118% | 3,597 |
| Earnings coverage of net charge-offs (x) | 72.8235% | 768 |
| Efficiency ratio | 65.8294% | 3,616 |
| Assets per employee ($millions) | 3.6465% | 4,548 |
| Cash dividends to net income (ytd only)* | 31.5315% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 5,265 |
| Loan loss allowance to noncurrent loans | 184.2857% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 4,133 |
| Noncurrent loans to loans | 0.4021% | 3,707 |
| Net loans and leases to total assets | 39.4933% | 5,335 |
| Net loans and leases to deposits | 47.9103% | 5,305 |
| Net loans and leases to core deposits | 48.3798% | 5,356 |
| Total domestic deposits to total assets | 82.4318% | 3,953 |
| Equity capital to assets | 16.3913% | 448 |
| Core capital (leverage) ratio | 15.5429% | 524 |
| Tier 1 risk-based capital ratio | 34.8000% | 324 |
| Total risk-based capital ratio | 35.4612% | 336 |
| Memoranda: | ||
| Average total assets | $84,353,000 | 4,641 |
| Average earning assets | $77,540,400 | 4,637 |
| Average equity | $14,529,400 | 3,868 |
| Average total loans | $35,263,000 | 5,034 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 2,945 |
| Cost of funding earning assets | 0.1513% | 5,480 |
| Net interest margin | 3.9299% | 1,878 |
| Noninterest income to average assets | 0.6350% | 2,494 |
| Noninterest expense to average assets | 2.7205% | 3,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3483% | 1,171 |
| Return on assets (ROA) | 1.3483% | 1,249 |
| Pretax return on assets | 1.5206% | 1,649 |
| Return on Equity (ROE) | 7.7297% | 3,160 |
| Retained earnings to average equity (ytd only) | 5.6715% | 2,376 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1460% | 3,908 |
| Assets per employee ($millions) | 3.6138% | 4,626 |
| Cash dividends to net income (ytd only)* | 26.6270% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 5,345 |
| Loan loss allowance to noncurrent loans | 254.7170% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 4,444 |
| Noncurrent loans to loans | 0.2882% | 4,232 |
| Net loans and leases to total assets | 42.0996% | 5,289 |
| Net loans and leases to deposits | 51.9359% | 5,202 |
| Net loans and leases to core deposits | 51.9359% | 5,314 |
| Total domestic deposits to total assets | 81.0608% | 4,235 |
| Equity capital to assets | 17.1267% | 421 |
| Core capital (leverage) ratio | 15.8498% | 502 |
| Tier 1 risk-based capital ratio | 33.8888% | 357 |
| Total risk-based capital ratio | 34.5695% | 371 |
| Memoranda: | ||
| Average total assets | $83,562,250 | 4,692 |
| Average earning assets | $76,674,750 | 4,695 |
| Average equity | $14,575,500 | 3,902 |
| Average total loans | $35,373,500 | 5,081 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 2,863 |
| Cost of funding earning assets | 0.1534% | 5,526 |
| Net interest margin | 3.9456% | 1,823 |
| Noninterest income to average assets | 0.6593% | 2,333 |
| Noninterest expense to average assets | 2.7246% | 3,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3647% | 1,128 |
| Return on assets (ROA) | 1.3647% | 1,200 |
| Pretax return on assets | 1.5514% | 1,521 |
| Return on Equity (ROE) | 7.7748% | 3,102 |
| Retained earnings to average equity (ytd only) | 5.7034% | 2,295 |
| Net charge-offs to loans | -0.0688% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7188% | 4,069 |
| Assets per employee ($millions) | 3.4909% | 4,763 |
| Cash dividends to net income (ytd only)* | 26.6430% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 5,270 |
| Loan loss allowance to noncurrent loans | 266.0377% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 4,465 |
| Noncurrent loans to loans | 0.3029% | 4,286 |
| Net loans and leases to total assets | 41.4318% | 5,361 |
| Net loans and leases to deposits | 51.5160% | 5,271 |
| Net loans and leases to core deposits | 51.5160% | 5,380 |
| Total domestic deposits to total assets | 80.4252% | 4,441 |
| Equity capital to assets | 17.7081% | 363 |
| Core capital (leverage) ratio | 15.9101% | 473 |
| Tier 1 risk-based capital ratio | 34.5887% | 343 |
| Total risk-based capital ratio | 35.3252% | 351 |
| Memoranda: | ||
| Average total assets | $82,506,330 | 4,756 |
| Average earning assets | $75,627,670 | 4,768 |
| Average equity | $14,482,670 | 3,936 |
| Average total loans | $34,903,670 | 5,140 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 2,813 |
| Cost of funding earning assets | 0.1492% | 5,617 |
| Net interest margin | 3.9603% | 1,739 |
| Noninterest income to average assets | 0.6840% | 2,115 |
| Noninterest expense to average assets | 2.7459% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3583% | 1,121 |
| Return on assets (ROA) | 1.3583% | 1,186 |
| Pretax return on assets | 1.5684% | 1,383 |
| Return on Equity (ROE) | 7.7730% | 3,049 |
| Retained earnings to average equity (ytd only) | 5.6759% | 2,540 |
| Net charge-offs to loans | 0.0344% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 516 |
| Efficiency ratio | 63.6467% | 4,181 |
| Assets per employee ($millions) | 3.5848% | 4,678 |
| Cash dividends to net income (ytd only)* | 26.9784% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 5,438 |
| Loan loss allowance to noncurrent loans | 120.2703% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 4,478 |
| Noncurrent loans to loans | 0.6414% | 3,253 |
| Net loans and leases to total assets | 41.6543% | 5,366 |
| Net loans and leases to deposits | 51.4949% | 5,249 |
| Net loans and leases to core deposits | 51.4949% | 5,380 |
| Total domestic deposits to total assets | 80.8902% | 4,526 |
| Equity capital to assets | 17.4833% | 378 |
| Core capital (leverage) ratio | 16.1366% | 452 |
| Tier 1 risk-based capital ratio | 34.9274% | 335 |
| Total risk-based capital ratio | 35.6432% | 349 |
| Memoranda: | ||
| Average total assets | $81,869,000 | 4,820 |
| Average earning assets | $75,044,500 | 4,821 |
| Average equity | $14,306,000 | 3,969 |
| Average total loans | $34,858,500 | 5,184 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 2,568 |
| Cost of funding earning assets | 0.1670% | 5,558 |
| Net interest margin | 4.0301% | 1,618 |
| Noninterest income to average assets | 0.7524% | 1,971 |
| Noninterest expense to average assets | 2.9873% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3542% | 1,135 |
| Return on assets (ROA) | 1.3565% | 1,173 |
| Pretax return on assets | 1.4652% | 1,666 |
| Return on Equity (ROE) | 7.8766% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.4692% | 2,812 |
| Net charge-offs to loans | 0.1343% | 2,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 25.7391% | 1,621 |
| Efficiency ratio | 67.1294% | 3,724 |
| Assets per employee ($millions) | 3.5343% | 4,761 |
| Cash dividends to net income (ytd only)* | 43.2605% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 5,478 |
| Loan loss allowance to noncurrent loans | 127.6995% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 4,392 |
| Noncurrent loans to loans | 0.6067% | 3,350 |
| Net loans and leases to total assets | 42.8526% | 5,358 |
| Net loans and leases to deposits | 52.8645% | 5,229 |
| Net loans and leases to core deposits | 52.8645% | 5,378 |
| Total domestic deposits to total assets | 81.0612% | 4,465 |
| Equity capital to assets | 17.4651% | 363 |
| Core capital (leverage) ratio | 15.8275% | 485 |
| Tier 1 risk-based capital ratio | 34.8771% | 337 |
| Total risk-based capital ratio | 35.6112% | 346 |
| Memoranda: | ||
| Average total assets | $80,943,400 | 4,849 |
| Average earning assets | $74,267,000 | 4,850 |
| Average equity | $13,940,000 | 3,985 |
| Average total loans | $34,255,200 | 5,215 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 2,687 |
| Cost of funding earning assets | 0.1689% | 5,641 |
| Net interest margin | 3.9991% | 1,710 |
| Noninterest income to average assets | 0.7800% | 1,884 |
| Noninterest expense to average assets | 2.9071% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3983% | 1,108 |
| Return on assets (ROA) | 1.3983% | 1,157 |
| Pretax return on assets | 1.5418% | 1,565 |
| Return on Equity (ROE) | 8.1483% | 2,993 |
| Retained earnings to average equity (ytd only) | 5.9863% | 2,262 |
| Net charge-offs to loans | -0.0078% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3447% | 4,002 |
| Assets per employee ($millions) | 3.3487% | 5,062 |
| Cash dividends to net income (ytd only)* | 26.5328% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 5,086 |
| Loan loss allowance to noncurrent loans | 75.2941% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 3,460 |
| Noncurrent loans to loans | 1.2311% | 2,075 |
| Net loans and leases to total assets | 42.5562% | 5,459 |
| Net loans and leases to deposits | 53.6527% | 5,271 |
| Net loans and leases to core deposits | 53.6527% | 5,426 |
| Total domestic deposits to total assets | 79.3179% | 4,905 |
| Equity capital to assets | 17.6038% | 376 |
| Core capital (leverage) ratio | 15.9717% | 493 |
| Tier 1 risk-based capital ratio | 34.4136% | 366 |
| Total risk-based capital ratio | 35.2658% | 375 |
| Memoranda: | ||
| Average total assets | $80,857,250 | 4,906 |
| Average earning assets | $74,182,000 | 4,904 |
| Average equity | $13,875,750 | 4,041 |
| Average total loans | $34,042,500 | 5,282 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 2,999 |
| Cost of funding earning assets | 0.1747% | 5,653 |
| Net interest margin | 3.8978% | 1,986 |
| Noninterest income to average assets | 0.7257% | 2,110 |
| Noninterest expense to average assets | 2.8758% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3379% | 1,221 |
| Return on assets (ROA) | 1.3379% | 1,266 |
| Pretax return on assets | 1.4293% | 1,868 |
| Return on Equity (ROE) | 7.8636% | 3,135 |
| Retained earnings to average equity (ytd only) | 5.6873% | 2,416 |
| Net charge-offs to loans | -0.0413% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8005% | 3,866 |
| Assets per employee ($millions) | 3.2388% | 5,277 |
| Cash dividends to net income (ytd only)* | 27.6753% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 5,047 |
| Loan loss allowance to noncurrent loans | 74.8848% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 3,830 |
| Noncurrent loans to loans | 1.2856% | 2,103 |
| Net loans and leases to total assets | 41.2918% | 5,551 |
| Net loans and leases to deposits | 50.7707% | 5,461 |
| Net loans and leases to core deposits | 50.7707% | 5,583 |
| Total domestic deposits to total assets | 81.3301% | 4,509 |
| Equity capital to assets | 17.0606% | 412 |
| Core capital (leverage) ratio | 15.4837% | 545 |
| Tier 1 risk-based capital ratio | 34.3101% | 383 |
| Total risk-based capital ratio | 35.1887% | 392 |
| Memoranda: | ||
| Average total assets | $81,020,000 | 4,952 |
| Average earning assets | $74,400,000 | 4,952 |
| Average equity | $13,785,000 | 4,085 |
| Average total loans | $33,882,670 | 5,330 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 2,798 |
| Cost of funding earning assets | 0.1882% | 5,618 |
| Net interest margin | 3.9190% | 1,823 |
| Noninterest income to average assets | 0.6910% | 2,200 |
| Noninterest expense to average assets | 2.8823% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3227% | 1,200 |
| Return on assets (ROA) | 1.3227% | 1,281 |
| Pretax return on assets | 1.4066% | 1,868 |
| Return on Equity (ROE) | 7.7848% | 3,076 |
| Retained earnings to average equity (ytd only) | 5.6062% | 2,712 |
| Net charge-offs to loans | 0.0236% | 2,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 142.5000% | 373 |
| Efficiency ratio | 67.2037% | 3,955 |
| Assets per employee ($millions) | 3.1521% | 5,480 |
| Cash dividends to net income (ytd only)* | 27.9851% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 5,329 |
| Loan loss allowance to noncurrent loans | 79.1980% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 4,078 |
| Noncurrent loans to loans | 1.1751% | 2,426 |
| Net loans and leases to total assets | 41.0457% | 5,543 |
| Net loans and leases to deposits | 50.4121% | 5,431 |
| Net loans and leases to core deposits | 50.4121% | 5,574 |
| Total domestic deposits to total assets | 81.4203% | 4,695 |
| Equity capital to assets | 16.9544% | 431 |
| Core capital (leverage) ratio | 15.4808% | 537 |
| Tier 1 risk-based capital ratio | 33.9484% | 395 |
| Total risk-based capital ratio | 34.8071% | 396 |
| Memoranda: | ||
| Average total assets | $81,045,000 | 5,005 |
| Average earning assets | $74,406,500 | 4,996 |
| Average equity | $13,770,500 | 4,118 |
| Average total loans | $33,944,500 | 5,376 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,557 |
| Cost of funding earning assets | 0.2070% | 5,686 |
| Net interest margin | 3.8330% | 2,501 |
| Noninterest income to average assets | 0.7171% | 2,229 |
| Noninterest expense to average assets | 2.9021% | 3,145 |
| Loan and lease loss provision to assets | 0.1060% | 2,383 |
| Net operating income to assets | 1.1846% | 1,640 |
| Return on assets (ROA) | 1.1786% | 1,719 |
| Pretax return on assets | 1.2122% | 2,601 |
| Return on Equity (ROE) | 7.1815% | 3,535 |
| Retained earnings to average equity (ytd only) | 3.9289% | 3,416 |
| Net charge-offs to loans | 0.0725% | 3,448 |
| Credit loss provision to net charge-offs | 369.5652% | 711 |
| Earnings coverage of net charge-offs (x) | 46.1739% | 984 |
| Efficiency ratio | 68.6633% | 3,777 |
| Assets per employee ($millions) | 3.0821% | 5,587 |
| Cash dividends to net income (ytd only)* | 45.2910% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 5,344 |
| Loan loss allowance to noncurrent loans | 67.6596% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 3,831 |
| Noncurrent loans to loans | 1.3850% | 2,115 |
| Net loans and leases to total assets | 41.9492% | 5,620 |
| Net loans and leases to deposits | 51.5955% | 5,507 |
| Net loans and leases to core deposits | 51.5955% | 5,635 |
| Total domestic deposits to total assets | 81.3040% | 4,655 |
| Equity capital to assets | 17.0288% | 413 |
| Core capital (leverage) ratio | 15.1784% | 580 |
| Tier 1 risk-based capital ratio | 33.8684% | 374 |
| Total risk-based capital ratio | 34.7456% | 374 |
| Memoranda: | ||
| Average total assets | $80,182,600 | 5,056 |
| Average earning assets | $73,415,400 | 5,053 |
| Average equity | $13,158,800 | 4,161 |
| Average total loans | $31,713,000 | 5,496 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 3,783 |
| Cost of funding earning assets | 0.2072% | 5,765 |
| Net interest margin | 3.7871% | 2,668 |
| Noninterest income to average assets | 0.7199% | 2,229 |
| Noninterest expense to average assets | 2.8829% | 3,186 |
| Loan and lease loss provision to assets | 0.0998% | 2,375 |
| Net operating income to assets | 1.1535% | 1,851 |
| Return on assets (ROA) | 1.1455% | 1,942 |
| Pretax return on assets | 1.1937% | 2,800 |
| Return on Equity (ROE) | 7.0464% | 3,693 |
| Retained earnings to average equity (ytd only) | 4.7453% | 3,246 |
| Net charge-offs to loans | 0.0899% | 2,929 |
| Credit loss provision to net charge-offs | 285.7143% | 943 |
| Earnings coverage of net charge-offs (x) | 37.2846% | 1,186 |
| Efficiency ratio | 68.8915% | 3,690 |
| Assets per employee ($millions) | 3.2627% | 5,304 |
| Cash dividends to net income (ytd only)* | 32.6559% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 5,546 |
| Loan loss allowance to noncurrent loans | 74.8731% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 4,443 |
| Noncurrent loans to loans | 1.2271% | 2,597 |
| Net loans and leases to total assets | 39.0018% | 5,883 |
| Net loans and leases to deposits | 47.8247% | 5,774 |
| Net loans and leases to core deposits | 47.8247% | 5,892 |
| Total domestic deposits to total assets | 81.5516% | 4,644 |
| Equity capital to assets | 16.5567% | 488 |
| Core capital (leverage) ratio | 15.0879% | 605 |
| Tier 1 risk-based capital ratio | 34.4822% | 373 |
| Total risk-based capital ratio | 35.3142% | 381 |
| Memoranda: | ||
| Average total assets | $80,194,500 | 5,119 |
| Average earning assets | $73,370,000 | 5,114 |
| Average equity | $13,037,000 | 4,212 |
| Average total loans | $31,157,750 | 5,577 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 3,922 |
| Cost of funding earning assets | 0.2085% | 5,845 |
| Net interest margin | 3.7446% | 2,780 |
| Noninterest income to average assets | 0.7174% | 2,198 |
| Noninterest expense to average assets | 2.8694% | 3,272 |
| Loan and lease loss provision to assets | 0.0451% | 3,419 |
| Net operating income to assets | 1.1734% | 1,675 |
| Return on assets (ROA) | 1.1613% | 1,787 |
| Pretax return on assets | 1.2140% | 2,598 |
| Return on Equity (ROE) | 7.1889% | 3,521 |
| Retained earnings to average equity (ytd only) | 4.8599% | 3,045 |
| Net charge-offs to loans | 0.1362% | 2,305 |
| Credit loss provision to net charge-offs | 85.7143% | 2,250 |
| Earnings coverage of net charge-offs (x) | 24.1429% | 1,438 |
| Efficiency ratio | 69.2913% | 3,780 |
| Assets per employee ($millions) | 3.2892% | 5,271 |
| Cash dividends to net income (ytd only)* | 32.3974% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 5,988 |
| Loan loss allowance to noncurrent loans | 63.4085% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 4,510 |
| Noncurrent loans to loans | 1.2522% | 2,722 |
| Net loans and leases to total assets | 38.4414% | 5,928 |
| Net loans and leases to deposits | 46.7265% | 5,842 |
| Net loans and leases to core deposits | 46.7265% | 5,963 |
| Total domestic deposits to total assets | 82.2690% | 4,560 |
| Equity capital to assets | 16.0394% | 548 |
| Core capital (leverage) ratio | 14.9046% | 623 |
| Tier 1 risk-based capital ratio | 33.7479% | 383 |
| Total risk-based capital ratio | 34.4550% | 393 |
| Memoranda: | ||
| Average total assets | $79,736,670 | 5,163 |
| Average earning assets | $72,905,330 | 5,160 |
| Average equity | $12,881,000 | 4,245 |
| Average total loans | $30,841,000 | 5,636 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 3,601 |
| Cost of funding earning assets | 0.2120% | 5,903 |
| Net interest margin | 3.8096% | 2,434 |
| Noninterest income to average assets | 0.6931% | 2,209 |
| Noninterest expense to average assets | 2.9609% | 3,015 |
| Loan and lease loss provision to assets | 0.0204% | 3,561 |
| Net operating income to assets | 1.1313% | 1,695 |
| Return on assets (ROA) | 1.1313% | 1,760 |
| Pretax return on assets | 1.1925% | 2,511 |
| Return on Equity (ROE) | 6.9773% | 3,486 |
| Retained earnings to average equity (ytd only) | 4.6201% | 3,345 |
| Net charge-offs to loans | 0.2770% | 1,239 |
| Credit loss provision to net charge-offs | 19.0476% | 2,516 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 1,787 |
| Efficiency ratio | 70.9402% | 3,662 |
| Assets per employee ($millions) | 3.2198% | 5,497 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 6,138 |
| Loan loss allowance to noncurrent loans | 90.5303% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 4,995 |
| Noncurrent loans to loans | 0.8666% | 3,726 |
| Net loans and leases to total assets | 37.5489% | 5,973 |
| Net loans and leases to deposits | 45.5381% | 5,883 |
| Net loans and leases to core deposits | 46.0242% | 5,986 |
| Total domestic deposits to total assets | 82.4561% | 4,801 |
| Equity capital to assets | 16.0234% | 523 |
| Core capital (leverage) ratio | 15.2524% | 572 |
| Tier 1 risk-based capital ratio | 34.4899% | 367 |
| Total risk-based capital ratio | 35.1822% | 375 |
| Memoranda: | ||
| Average total assets | $78,490,500 | 5,245 |
| Average earning assets | $71,714,000 | 5,236 |
| Average equity | $12,727,000 | 4,288 |
| Average total loans | $30,330,000 | 5,704 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 3,393 |
| Cost of funding earning assets | 0.2730% | 5,806 |
| Net interest margin | 3.9121% | 2,247 |
| Noninterest income to average assets | 0.8793% | 1,757 |
| Noninterest expense to average assets | 3.0700% | 2,834 |
| Loan and lease loss provision to assets | 0.0206% | 4,719 |
| Net operating income to assets | 1.1823% | 1,638 |
| Return on assets (ROA) | 1.2765% | 1,364 |
| Pretax return on assets | 1.4428% | 1,642 |
| Return on Equity (ROE) | 7.7814% | 3,155 |
| Retained earnings to average equity (ytd only) | 3.4584% | 3,773 |
| Net charge-offs to loans | -0.0032% | 5,887 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3562% | 3,943 |
| Assets per employee ($millions) | 3.1869% | 5,513 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 6,063 |
| Loan loss allowance to noncurrent loans | 324.0506% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 5,578 |
| Noncurrent loans to loans | 0.2616% | 5,399 |
| Net loans and leases to total assets | 39.1444% | 6,024 |
| Net loans and leases to deposits | 47.5812% | 5,921 |
| Net loans and leases to core deposits | 48.1173% | 6,026 |
| Total domestic deposits to total assets | 82.2687% | 4,779 |
| Equity capital to assets | 16.4161% | 460 |
| Core capital (leverage) ratio | 15.0284% | 599 |
| Tier 1 risk-based capital ratio | 34.5709% | 345 |
| Total risk-based capital ratio | 35.3235% | 356 |
| Memoranda: | ||
| Average total assets | $77,557,800 | 5,292 |
| Average earning assets | $70,320,400 | 5,302 |
| Average equity | $12,722,600 | 4,307 |
| Average total loans | $31,159,200 | 5,704 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 3,365 |
| Cost of funding earning assets | 0.2876% | 5,834 |
| Net interest margin | 3.9200% | 2,196 |
| Noninterest income to average assets | 0.9097% | 1,724 |
| Noninterest expense to average assets | 2.9330% | 3,199 |
| Loan and lease loss provision to assets | 0.0206% | 4,585 |
| Net operating income to assets | 1.3568% | 1,212 |
| Return on assets (ROA) | 1.3568% | 1,258 |
| Pretax return on assets | 1.5059% | 1,587 |
| Return on Equity (ROE) | 8.2729% | 2,987 |
| Retained earnings to average equity (ytd only) | 3.8335% | 3,960 |
| Net charge-offs to loans | -0.0085% | 5,858 |
| Credit loss provision to net charge-offs | -600.0000% | 6,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7703% | 4,526 |
| Assets per employee ($millions) | 3.1495% | 5,586 |
| Cash dividends to net income (ytd only)* | 53.6616% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 6,213 |
| Loan loss allowance to noncurrent loans | 96.9349% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 5,410 |
| Noncurrent loans to loans | 0.8595% | 4,102 |
| Net loans and leases to total assets | 38.2458% | 6,161 |
| Net loans and leases to deposits | 46.4529% | 6,068 |
| Net loans and leases to core deposits | 46.9599% | 6,176 |
| Total domestic deposits to total assets | 82.3325% | 4,813 |
| Equity capital to assets | 16.0443% | 544 |
| Core capital (leverage) ratio | 14.8809% | 660 |
| Tier 1 risk-based capital ratio | 34.0322% | 370 |
| Total risk-based capital ratio | 34.7689% | 377 |
| Memoranda: | ||
| Average total assets | $77,825,750 | 5,342 |
| Average earning assets | $70,474,000 | 5,353 |
| Average equity | $12,764,250 | 4,353 |
| Average total loans | $31,400,000 | 5,747 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 3,124 |
| Cost of funding earning assets | 0.2997% | 5,831 |
| Net interest margin | 3.9583% | 2,014 |
| Noninterest income to average assets | 0.9365% | 1,699 |
| Noninterest expense to average assets | 2.9566% | 3,140 |
| Loan and lease loss provision to assets | 0.0206% | 4,485 |
| Net operating income to assets | 1.3932% | 1,100 |
| Return on assets (ROA) | 1.3932% | 1,180 |
| Pretax return on assets | 1.5376% | 1,516 |
| Return on Equity (ROE) | 8.4322% | 2,884 |
| Retained earnings to average equity (ytd only) | 2.9669% | 4,431 |
| Net charge-offs to loans | -0.0693% | 6,379 |
| Credit loss provision to net charge-offs | -72.7273% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4857% | 4,632 |
| Assets per employee ($millions) | 3.2684% | 5,338 |
| Cash dividends to net income (ytd only)* | 64.8148% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 6,317 |
| Loan loss allowance to noncurrent loans | 87.7551% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 5,356 |
| Noncurrent loans to loans | 0.9353% | 4,054 |
| Net loans and leases to total assets | 39.7432% | 6,064 |
| Net loans and leases to deposits | 49.0011% | 5,919 |
| Net loans and leases to core deposits | 49.5463% | 6,045 |
| Total domestic deposits to total assets | 81.1068% | 5,313 |
| Equity capital to assets | 16.0197% | 520 |
| Core capital (leverage) ratio | 14.6882% | 669 |
| Tier 1 risk-based capital ratio | 32.7222% | 415 |
| Total risk-based capital ratio | 33.4556% | 429 |
| Memoranda: | ||
| Average total assets | $77,521,670 | 5,378 |
| Average earning assets | $70,080,670 | 5,391 |
| Average equity | $12,808,000 | 4,374 |
| Average total loans | $31,744,330 | 5,765 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 2,840 |
| Cost of funding earning assets | 0.3052% | 5,930 |
| Net interest margin | 4.0083% | 1,747 |
| Noninterest income to average assets | 0.9862% | 1,499 |
| Noninterest expense to average assets | 3.0106% | 2,956 |
| Loan and lease loss provision to assets | 0.0208% | 4,210 |
| Net operating income to assets | 1.3963% | 1,033 |
| Return on assets (ROA) | 1.3963% | 1,119 |
| Pretax return on assets | 1.5676% | 1,387 |
| Return on Equity (ROE) | 8.3224% | 2,805 |
| Retained earnings to average equity (ytd only) | -0.1856% | 5,811 |
| Net charge-offs to loans | -0.1254% | 6,531 |
| Credit loss provision to net charge-offs | -40.0000% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4628% | 4,754 |
| Assets per employee ($millions) | 2.8977% | 6,154 |
| Cash dividends to net income (ytd only)* | 102.2305% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 6,435 |
| Loan loss allowance to noncurrent loans | 151.4970% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 5,923 |
| Noncurrent loans to loans | 0.5376% | 5,101 |
| Net loans and leases to total assets | 39.3781% | 6,044 |
| Net loans and leases to deposits | 48.9311% | 5,856 |
| Net loans and leases to core deposits | 48.9311% | 6,035 |
| Total domestic deposits to total assets | 80.4765% | 5,638 |
| Equity capital to assets | 16.4496% | 498 |
| Core capital (leverage) ratio | 14.5772% | 655 |
| Tier 1 risk-based capital ratio | 32.4046% | 434 |
| Total risk-based capital ratio | 33.1291% | 451 |
| Memoranda: | ||
| Average total assets | $77,062,000 | 5,435 |
| Average earning assets | $69,456,500 | 5,453 |
| Average equity | $12,929,000 | 4,393 |
| Average total loans | $31,900,000 | 5,797 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 3,168 |
| Cost of funding earning assets | 0.3469% | 6,236 |
| Net interest margin | 4.2124% | 1,627 |
| Noninterest income to average assets | 0.8786% | 1,934 |
| Noninterest expense to average assets | 3.0555% | 3,076 |
| Loan and lease loss provision to assets | 0.0155% | 5,708 |
| Net operating income to assets | 1.3400% | 1,216 |
| Return on assets (ROA) | 1.3515% | 1,318 |
| Pretax return on assets | 1.6768% | 1,192 |
| Return on Equity (ROE) | 8.3078% | 2,955 |
| Retained earnings to average equity (ytd only) | 5.5200% | 2,368 |
| Net charge-offs to loans | 0.0462% | 5,268 |
| Credit loss provision to net charge-offs | 80.0000% | 3,833 |
| Earnings coverage of net charge-offs (x) | 86.3333% | 450 |
| Efficiency ratio | 64.5497% | 4,788 |
| Assets per employee ($millions) | 2.8106% | 6,300 |
| Cash dividends to net income (ytd only)* | 33.5570% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 6,600 |
| Loan loss allowance to noncurrent loans | 211.5044% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 6,190 |
| Noncurrent loans to loans | 0.3452% | 5,621 |
| Net loans and leases to total assets | 42.8266% | 5,914 |
| Net loans and leases to deposits | 53.6588% | 5,679 |
| Net loans and leases to core deposits | 53.6588% | 5,900 |
| Total domestic deposits to total assets | 79.8129% | 5,714 |
| Equity capital to assets | 17.1154% | 400 |
| Core capital (leverage) ratio | 14.7679% | 610 |
| Tier 1 risk-based capital ratio | 31.6338% | 445 |
| Total risk-based capital ratio | 32.3015% | 457 |
| Memoranda: | ||
| Average total assets | $77,172,000 | 5,427 |
| Average earning assets | $70,625,000 | 5,405 |
| Average equity | $12,554,400 | 4,451 |
| Average total loans | $32,492,000 | 5,827 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 3,293 |
| Cost of funding earning assets | 0.3540% | 6,357 |
| Net interest margin | 4.2234% | 1,671 |
| Noninterest income to average assets | 0.8981% | 1,831 |
| Noninterest expense to average assets | 2.8578% | 3,757 |
| Loan and lease loss provision to assets | 0.0138% | 5,640 |
| Net operating income to assets | 1.4515% | 1,125 |
| Return on assets (ROA) | 1.4659% | 1,212 |
| Pretax return on assets | 1.9253% | 823 |
| Return on Equity (ROE) | 9.1272% | 2,738 |
| Retained earnings to average equity (ytd only) | 6.7169% | 2,272 |
| Net charge-offs to loans | 0.0822% | 4,577 |
| Credit loss provision to net charge-offs | 40.0000% | 4,620 |
| Earnings coverage of net charge-offs (x) | 55.7915% | 694 |
| Efficiency ratio | 59.8127% | 5,530 |
| Assets per employee ($millions) | 2.8450% | 6,299 |
| Cash dividends to net income (ytd only)* | 26.4083% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 6,735 |
| Loan loss allowance to noncurrent loans | 3,833.3333% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 6,632 |
| Noncurrent loans to loans | 0.0187% | 6,598 |
| Net loans and leases to total assets | 41.5812% | 6,157 |
| Net loans and leases to deposits | 52.0907% | 5,970 |
| Net loans and leases to core deposits | 52.0907% | 6,177 |
| Total domestic deposits to total assets | 79.8245% | 5,704 |
| Equity capital to assets | 16.7960% | 491 |
| Core capital (leverage) ratio | 14.4394% | 723 |
| Tier 1 risk-based capital ratio | 31.4373% | 462 |
| Total risk-based capital ratio | 32.0795% | 480 |
| Memoranda: | ||
| Average total assets | $77,493,750 | 5,475 |
| Average earning assets | $71,188,250 | 5,453 |
| Average equity | $12,446,000 | 4,517 |
| Average total loans | $32,430,500 | 5,904 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 3,478 |
| Cost of funding earning assets | 0.3597% | 6,471 |
| Net interest margin | 4.2109% | 1,719 |
| Noninterest income to average assets | 0.8904% | 1,822 |
| Noninterest expense to average assets | 2.8384% | 3,872 |
| Loan and lease loss provision to assets | 0.0206% | 5,407 |
| Net operating income to assets | 1.4462% | 1,094 |
| Return on assets (ROA) | 1.4462% | 1,226 |
| Pretax return on assets | 1.9171% | 821 |
| Return on Equity (ROE) | 9.1427% | 2,746 |
| Retained earnings to average equity (ytd only) | 6.7025% | 2,268 |
| Net charge-offs to loans | 0.1230% | 3,945 |
| Credit loss provision to net charge-offs | 40.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | 37.6500% | 917 |
| Efficiency ratio | 59.4289% | 5,670 |
| Assets per employee ($millions) | 2.8408% | 6,339 |
| Cash dividends to net income (ytd only)* | 26.6904% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 6,819 |
| Loan loss allowance to noncurrent loans | 3,833.3333% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 6,649 |
| Noncurrent loans to loans | 0.0185% | 6,644 |
| Net loans and leases to total assets | 41.9799% | 6,187 |
| Net loans and leases to deposits | 52.2279% | 6,010 |
| Net loans and leases to core deposits | 52.2279% | 6,217 |
| Total domestic deposits to total assets | 80.3784% | 5,642 |
| Equity capital to assets | 16.4366% | 519 |
| Core capital (leverage) ratio | 14.1361% | 769 |
| Tier 1 risk-based capital ratio | 30.8582% | 485 |
| Total risk-based capital ratio | 31.5010% | 503 |
| Memoranda: | ||
| Average total assets | $77,719,670 | 5,503 |
| Average earning assets | $71,718,000 | 5,470 |
| Average equity | $12,294,000 | 4,543 |
| Average total loans | $32,517,000 | 5,938 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 3,501 |
| Cost of funding earning assets | 0.3687% | 6,556 |
| Net interest margin | 4.2314% | 1,668 |
| Noninterest income to average assets | 0.8283% | 2,039 |
| Noninterest expense to average assets | 2.8532% | 3,817 |
| Loan and lease loss provision to assets | 0.0205% | 5,082 |
| Net operating income to assets | 1.4266% | 1,173 |
| Return on assets (ROA) | 1.4266% | 1,317 |
| Pretax return on assets | 1.8868% | 906 |
| Return on Equity (ROE) | 9.1946% | 2,736 |
| Retained earnings to average equity (ytd only) | 6.7230% | 2,567 |
| Net charge-offs to loans | 0.2457% | 2,700 |
| Credit loss provision to net charge-offs | 20.0000% | 3,774 |
| Earnings coverage of net charge-offs (x) | 18.6500% | 1,256 |
| Efficiency ratio | 59.9356% | 5,624 |
| Assets per employee ($millions) | 3.0252% | 6,105 |
| Cash dividends to net income (ytd only)* | 26.8817% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 6,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 6,747 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 41.2243% | 6,250 |
| Net loans and leases to deposits | 50.4622% | 6,100 |
| Net loans and leases to core deposits | 50.4622% | 6,307 |
| Total domestic deposits to total assets | 81.6935% | 5,397 |
| Equity capital to assets | 15.5006% | 660 |
| Core capital (leverage) ratio | 13.8847% | 831 |
| Tier 1 risk-based capital ratio | 30.7518% | 494 |
| Total risk-based capital ratio | 31.3931% | 506 |
| Memoranda: | ||
| Average total assets | $78,229,000 | 5,535 |
| Average earning assets | $72,694,500 | 5,475 |
| Average equity | $12,137,500 | 4,582 |
| Average total loans | $32,561,000 | 5,976 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 4,143 |
| Cost of funding earning assets | 0.4737% | 6,641 |
| Net interest margin | 4.2527% | 1,868 |
| Noninterest income to average assets | 0.8882% | 1,715 |
| Noninterest expense to average assets | 2.9510% | 3,764 |
| Loan and lease loss provision to assets | 0.0302% | 6,192 |
| Net operating income to assets | 1.3532% | 1,138 |
| Return on assets (ROA) | 1.3945% | 1,124 |
| Pretax return on assets | 1.9108% | 649 |
| Return on Equity (ROE) | 9.5328% | 2,236 |
| Retained earnings to average equity (ytd only) | 3.0917% | 4,033 |
| Net charge-offs to loans | 0.0476% | 5,829 |
| Credit loss provision to net charge-offs | 150.0000% | 1,883 |
| Earnings coverage of net charge-offs (x) | 93.7500% | 322 |
| Efficiency ratio | 61.0288% | 5,600 |
| Assets per employee ($millions) | 2.8816% | 6,315 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 6,844 |
| Loan loss allowance to noncurrent loans | 424.5614% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 6,621 |
| Noncurrent loans to loans | 0.1755% | 6,399 |
| Net loans and leases to total assets | 41.4239% | 6,425 |
| Net loans and leases to deposits | 50.7280% | 6,311 |
| Net loans and leases to core deposits | 51.1320% | 6,470 |
| Total domestic deposits to total assets | 81.6588% | 5,251 |
| Equity capital to assets | 15.5302% | 670 |
| Core capital (leverage) ratio | 13.3124% | 1,038 |
| Tier 1 risk-based capital ratio | 30.5796% | 491 |
| Total risk-based capital ratio | 31.2757% | 508 |
| Memoranda: | ||
| Average total assets | $79,600,600 | 5,465 |
| Average earning assets | $73,882,400 | 5,402 |
| Average equity | $11,644,000 | 4,625 |
| Average total loans | $33,614,600 | 5,972 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 4,382 |
| Cost of funding earning assets | 0.4972% | 6,703 |
| Net interest margin | 4.2182% | 2,027 |
| Noninterest income to average assets | 0.8528% | 1,826 |
| Noninterest expense to average assets | 2.7782% | 4,420 |
| Loan and lease loss provision to assets | 0.0300% | 6,062 |
| Net operating income to assets | 1.3842% | 1,193 |
| Return on assets (ROA) | 1.4374% | 1,156 |
| Pretax return on assets | 2.0337% | 587 |
| Return on Equity (ROE) | 9.9759% | 2,210 |
| Retained earnings to average equity (ytd only) | 6.7970% | 2,081 |
| Net charge-offs to loans | 0.0079% | 6,055 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 596.2397% | 59 |
| Efficiency ratio | 58.2809% | 5,968 |
| Assets per employee ($millions) | 3.0052% | 6,106 |
| Cash dividends to net income (ytd only)* | 31.8657% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 6,875 |
| Loan loss allowance to noncurrent loans | 204.9180% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 6,131 |
| Noncurrent loans to loans | 0.3712% | 6,109 |
| Net loans and leases to total assets | 40.1955% | 6,615 |
| Net loans and leases to deposits | 49.0658% | 6,564 |
| Net loans and leases to core deposits | 49.4391% | 6,696 |
| Total domestic deposits to total assets | 81.9216% | 5,125 |
| Equity capital to assets | 15.1046% | 829 |
| Core capital (leverage) ratio | 13.4914% | 1,050 |
| Tier 1 risk-based capital ratio | 29.8289% | 548 |
| Total risk-based capital ratio | 30.5155% | 572 |
| Memoranda: | ||
| Average total assets | $80,050,000 | 5,501 |
| Average earning assets | $74,279,750 | 5,435 |
| Average equity | $11,534,250 | 4,684 |
| Average total loans | $33,900,500 | 6,025 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 4,457 |
| Cost of funding earning assets | 0.5330% | 6,731 |
| Net interest margin | 4.1852% | 2,097 |
| Noninterest income to average assets | 0.8282% | 1,897 |
| Noninterest expense to average assets | 2.7834% | 4,491 |
| Loan and lease loss provision to assets | 0.0351% | 5,873 |
| Net operating income to assets | 1.3649% | 1,157 |
| Return on assets (ROA) | 1.3829% | 1,187 |
| Pretax return on assets | 1.9175% | 678 |
| Return on Equity (ROE) | 9.7577% | 2,206 |
| Retained earnings to average equity (ytd only) | 6.2159% | 2,285 |
| Net charge-offs to loans | 0.0117% | 5,687 |
| Credit loss provision to net charge-offs | 700.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 384.0000% | 84 |
| Efficiency ratio | 59.0836% | 6,015 |
| Assets per employee ($millions) | 3.1283% | 5,810 |
| Cash dividends to net income (ytd only)* | 36.2976% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 6,979 |
| Loan loss allowance to noncurrent loans | 201.6393% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 6,179 |
| Noncurrent loans to loans | 0.3625% | 6,181 |
| Net loans and leases to total assets | 41.0797% | 6,660 |
| Net loans and leases to deposits | 50.1991% | 6,576 |
| Net loans and leases to core deposits | 50.7835% | 6,726 |
| Total domestic deposits to total assets | 81.8336% | 5,220 |
| Equity capital to assets | 14.3526% | 983 |
| Core capital (leverage) ratio | 13.0801% | 1,117 |
| Tier 1 risk-based capital ratio | 28.8637% | 607 |
| Total risk-based capital ratio | 29.5319% | 624 |
| Memoranda: | ||
| Average total assets | $79,686,330 | 5,559 |
| Average earning assets | $73,927,670 | 5,495 |
| Average equity | $11,293,670 | 4,738 |
| Average total loans | $34,245,670 | 6,060 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7388% | 4,338 |
| Cost of funding earning assets | 0.5630% | 6,753 |
| Net interest margin | 4.1758% | 1,979 |
| Noninterest income to average assets | 0.9181% | 1,593 |
| Noninterest expense to average assets | 2.7999% | 4,444 |
| Loan and lease loss provision to assets | 0.0507% | 5,366 |
| Net operating income to assets | 1.4086% | 1,048 |
| Return on assets (ROA) | 1.4456% | 1,034 |
| Pretax return on assets | 1.9934% | 567 |
| Return on Equity (ROE) | 10.2670% | 2,005 |
| Retained earnings to average equity (ytd only) | 7.5652% | 1,912 |
| Net charge-offs to loans | 0.0347% | 4,608 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 243 |
| Efficiency ratio | 58.4127% | 6,217 |
| Assets per employee ($millions) | 3.1424% | 5,851 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 7,051 |
| Loan loss allowance to noncurrent loans | 87.0036% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 6,259 |
| Noncurrent loans to loans | 0.8303% | 5,375 |
| Net loans and leases to total assets | 40.5388% | 6,740 |
| Net loans and leases to deposits | 48.9912% | 6,689 |
| Net loans and leases to core deposits | 49.5519% | 6,799 |
| Total domestic deposits to total assets | 82.7471% | 5,012 |
| Equity capital to assets | 13.6937% | 1,111 |
| Core capital (leverage) ratio | 12.8213% | 1,190 |
| Tier 1 risk-based capital ratio | 30.2377% | 510 |
| Total risk-based capital ratio | 30.9327% | 526 |
| Memoranda: | ||
| Average total assets | $78,861,000 | 5,620 |
| Average earning assets | $73,183,500 | 5,566 |
| Average equity | $11,103,500 | 4,775 |
| Average total loans | $34,539,000 | 6,100 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1294% | 3,961 |
| Cost of funding earning assets | 0.9017% | 6,172 |
| Net interest margin | 4.2278% | 2,068 |
| Noninterest income to average assets | 0.9089% | 1,825 |
| Noninterest expense to average assets | 2.9243% | 4,130 |
| Loan and lease loss provision to assets | 0.0646% | 6,500 |
| Net operating income to assets | 1.3170% | 1,128 |
| Return on assets (ROA) | 1.3337% | 1,168 |
| Pretax return on assets | 1.8540% | 678 |
| Return on Equity (ROE) | 9.2553% | 2,196 |
| Retained earnings to average equity (ytd only) | 2.4012% | 4,195 |
| Net charge-offs to loans | 0.1280% | 5,624 |
| Credit loss provision to net charge-offs | 111.1111% | 3,954 |
| Earnings coverage of net charge-offs (x) | 32.6222% | 687 |
| Efficiency ratio | 60.6751% | 5,937 |
| Assets per employee ($millions) | 2.8156% | 6,500 |
| Cash dividends to net income (ytd only)* | 74.0561% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6552% | 7,194 |
| Loan loss allowance to noncurrent loans | 84.4765% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 6,252 |
| Noncurrent loans to loans | 0.7756% | 5,493 |
| Net loans and leases to total assets | 46.6746% | 6,499 |
| Net loans and leases to deposits | 57.0661% | 6,342 |
| Net loans and leases to core deposits | 58.3298% | 6,533 |
| Total domestic deposits to total assets | 81.7903% | 5,246 |
| Equity capital to assets | 14.4949% | 904 |
| Core capital (leverage) ratio | 13.2843% | 1,033 |
| Tier 1 risk-based capital ratio | 28.7180% | 558 |
| Total risk-based capital ratio | 29.3720% | 581 |
| Memoranda: | ||
| Average total assets | $77,454,000 | 5,664 |
| Average earning assets | $71,645,400 | 5,613 |
| Average equity | $11,161,200 | 4,824 |
| Average total loans | $35,156,800 | 6,150 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1518% | 4,071 |
| Cost of funding earning assets | 0.9726% | 6,070 |
| Net interest margin | 4.1792% | 2,293 |
| Noninterest income to average assets | 0.8996% | 1,797 |
| Noninterest expense to average assets | 2.7998% | 4,490 |
| Loan and lease loss provision to assets | 0.0257% | 6,814 |
| Net operating income to assets | 1.4254% | 1,063 |
| Return on assets (ROA) | 1.4479% | 1,096 |
| Pretax return on assets | 1.9705% | 662 |
| Return on Equity (ROE) | 10.0622% | 2,100 |
| Retained earnings to average equity (ytd only) | 4.8227% | 3,108 |
| Net charge-offs to loans | 0.0305% | 6,257 |
| Credit loss provision to net charge-offs | 187.5000% | 1,921 |
| Earnings coverage of net charge-offs (x) | 143.3271% | 221 |
| Efficiency ratio | 58.7558% | 6,154 |
| Assets per employee ($millions) | 2.8699% | 6,442 |
| Cash dividends to net income (ytd only)* | 52.0708% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6755% | 7,240 |
| Loan loss allowance to noncurrent loans | 79.7297% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 6,365 |
| Noncurrent loans to loans | 0.8473% | 5,529 |
| Net loans and leases to total assets | 44.7798% | 6,789 |
| Net loans and leases to deposits | 56.2903% | 6,597 |
| Net loans and leases to core deposits | 57.5459% | 6,759 |
| Total domestic deposits to total assets | 79.5517% | 5,848 |
| Equity capital to assets | 14.9855% | 897 |
| Core capital (leverage) ratio | 13.3268% | 1,110 |
| Tier 1 risk-based capital ratio | 28.5050% | 599 |
| Total risk-based capital ratio | 29.1509% | 617 |
| Memoranda: | ||
| Average total assets | $77,812,500 | 5,722 |
| Average earning assets | $71,973,250 | 5,671 |
| Average equity | $11,196,750 | 4,878 |
| Average total loans | $35,017,000 | 6,238 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1365% | 4,266 |
| Cost of funding earning assets | 0.9985% | 6,149 |
| Net interest margin | 4.1381% | 2,390 |
| Noninterest income to average assets | 0.8111% | 2,066 |
| Noninterest expense to average assets | 2.7438% | 4,725 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4330% | 1,026 |
| Return on assets (ROA) | 1.4682% | 1,026 |
| Pretax return on assets | 1.9430% | 684 |
| Return on Equity (ROE) | 10.3451% | 1,981 |
| Retained earnings to average equity (ytd only) | 3.7438% | 3,715 |
| Net charge-offs to loans | 0.0228% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 184.7500% | 185 |
| Efficiency ratio | 59.1261% | 6,194 |
| Assets per employee ($millions) | 2.8094% | 6,555 |
| Cash dividends to net income (ytd only)* | 63.8112% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6490% | 7,338 |
| Loan loss allowance to noncurrent loans | 110.8374% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 6,545 |
| Noncurrent loans to loans | 0.5855% | 6,077 |
| Net loans and leases to total assets | 43.7886% | 6,936 |
| Net loans and leases to deposits | 56.0373% | 6,724 |
| Net loans and leases to core deposits | 57.7529% | 6,843 |
| Total domestic deposits to total assets | 78.1419% | 6,237 |
| Equity capital to assets | 14.2458% | 1,090 |
| Core capital (leverage) ratio | 12.9657% | 1,220 |
| Tier 1 risk-based capital ratio | 28.0926% | 622 |
| Total risk-based capital ratio | 28.7113% | 654 |
| Memoranda: | ||
| Average total assets | $77,920,670 | 5,759 |
| Average earning assets | $72,111,000 | 5,703 |
| Average equity | $11,058,330 | 4,910 |
| Average total loans | $35,044,330 | 6,286 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 4,374 |
| Cost of funding earning assets | 1.0312% | 6,220 |
| Net interest margin | 4.1025% | 2,425 |
| Noninterest income to average assets | 0.8201% | 1,929 |
| Noninterest expense to average assets | 2.8008% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3772% | 1,127 |
| Return on assets (ROA) | 1.3772% | 1,203 |
| Pretax return on assets | 1.8156% | 854 |
| Return on Equity (ROE) | 9.7228% | 2,198 |
| Retained earnings to average equity (ytd only) | 6.9917% | 2,135 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6704% | 6,063 |
| Assets per employee ($millions) | 2.9078% | 6,424 |
| Cash dividends to net income (ytd only)* | 28.0899% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 7,423 |
| Loan loss allowance to noncurrent loans | 109.5694% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 6,707 |
| Noncurrent loans to loans | 0.5979% | 6,109 |
| Net loans and leases to total assets | 44.2307% | 6,973 |
| Net loans and leases to deposits | 56.4605% | 6,737 |
| Net loans and leases to core deposits | 58.4770% | 6,850 |
| Total domestic deposits to total assets | 78.3393% | 6,234 |
| Equity capital to assets | 14.1560% | 1,101 |
| Core capital (leverage) ratio | 13.1271% | 1,176 |
| Tier 1 risk-based capital ratio | 27.8649% | 647 |
| Total risk-based capital ratio | 28.4903% | 677 |
| Memoranda: | ||
| Average total assets | $77,550,000 | 5,835 |
| Average earning assets | $71,761,000 | 5,784 |
| Average equity | $10,984,500 | 4,979 |
| Average total loans | $35,231,500 | 6,355 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2613% | 5,362 |
| Cost of funding earning assets | 1.4048% | 5,918 |
| Net interest margin | 3.8565% | 3,453 |
| Noninterest income to average assets | 0.7296% | 2,792 |
| Noninterest expense to average assets | 2.7601% | 5,122 |
| Loan and lease loss provision to assets | 0.0100% | 7,377 |
| Net operating income to assets | 1.0981% | 1,514 |
| Return on assets (ROA) | 1.0981% | 1,552 |
| Pretax return on assets | 1.5413% | 1,091 |
| Return on Equity (ROE) | 8.0932% | 2,329 |
| Retained earnings to average equity (ytd only) | 0.5230% | 4,616 |
| Net charge-offs to loans | 0.0469% | 6,635 |
| Credit loss provision to net charge-offs | 47.0588% | 6,780 |
| Earnings coverage of net charge-offs (x) | 73.2941% | 376 |
| Efficiency ratio | 64.0196% | 5,775 |
| Assets per employee ($millions) | 2.7353% | 6,793 |
| Cash dividends to net income (ytd only)* | 93.5374% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6449% | 7,481 |
| Loan loss allowance to noncurrent loans | 114.5000% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 6,685 |
| Noncurrent loans to loans | 0.5633% | 6,120 |
| Net loans and leases to total assets | 46.0628% | 6,964 |
| Net loans and leases to deposits | 58.9427% | 6,708 |
| Net loans and leases to core deposits | 62.8288% | 7,160 |
| Total domestic deposits to total assets | 78.1483% | 6,186 |
| Equity capital to assets | 14.1731% | 1,116 |
| Core capital (leverage) ratio | 12.2221% | 1,569 |
| Tier 1 risk-based capital ratio | 27.4129% | 676 |
| Total risk-based capital ratio | 28.0399% | 700 |
| Memoranda: | ||
| Average total assets | $80,321,800 | 5,719 |
| Average earning assets | $74,602,000 | 5,650 |
| Average equity | $10,898,000 | 5,050 |
| Average total loans | $36,210,200 | 6,296 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 5,730 |
| Cost of funding earning assets | 1.4371% | 6,095 |
| Net interest margin | 3.8028% | 3,644 |
| Noninterest income to average assets | 0.7154% | 2,915 |
| Noninterest expense to average assets | 2.5434% | 5,924 |
| Loan and lease loss provision to assets | 0.0098% | 7,232 |
| Net operating income to assets | 1.2454% | 1,356 |
| Return on assets (ROA) | 1.2454% | 1,423 |
| Pretax return on assets | 1.6967% | 978 |
| Return on Equity (ROE) | 9.2767% | 2,170 |
| Retained earnings to average equity (ytd only) | 4.6934% | 2,657 |
| Net charge-offs to loans | 0.0513% | 6,196 |
| Credit loss provision to net charge-offs | 42.8571% | 6,395 |
| Earnings coverage of net charge-offs (x) | 74.2705% | 455 |
| Efficiency ratio | 59.8456% | 6,436 |
| Assets per employee ($millions) | 2.9910% | 6,180 |
| Cash dividends to net income (ytd only)* | 49.4076% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6317% | 7,520 |
| Loan loss allowance to noncurrent loans | 244.6809% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 7,163 |
| Noncurrent loans to loans | 0.2582% | 6,867 |
| Net loans and leases to total assets | 43.2004% | 7,301 |
| Net loans and leases to deposits | 58.9782% | 6,902 |
| Net loans and leases to core deposits | 64.5132% | 7,222 |
| Total domestic deposits to total assets | 73.2480% | 7,058 |
| Equity capital to assets | 13.5085% | 1,496 |
| Core capital (leverage) ratio | 12.5662% | 1,553 |
| Tier 1 risk-based capital ratio | 27.6488% | 701 |
| Total risk-based capital ratio | 28.2639% | 729 |
| Memoranda: | ||
| Average total assets | $81,255,000 | 5,722 |
| Average earning assets | $75,522,250 | 5,652 |
| Average equity | $10,908,750 | 5,090 |
| Average total loans | $36,385,750 | 6,324 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3024% | 5,651 |
| Cost of funding earning assets | 1.4809% | 6,214 |
| Net interest margin | 3.8215% | 3,451 |
| Noninterest income to average assets | 0.7585% | 2,654 |
| Noninterest expense to average assets | 2.5415% | 5,978 |
| Loan and lease loss provision to assets | 0.0099% | 7,108 |
| Net operating income to assets | 1.2708% | 1,304 |
| Return on assets (ROA) | 1.2708% | 1,383 |
| Pretax return on assets | 1.7557% | 919 |
| Return on Equity (ROE) | 9.4858% | 2,193 |
| Retained earnings to average equity (ytd only) | 3.9168% | 3,103 |
| Net charge-offs to loans | 0.0770% | 5,436 |
| Credit loss provision to net charge-offs | 28.5714% | 6,045 |
| Earnings coverage of net charge-offs (x) | 50.7143% | 677 |
| Efficiency ratio | 59.0069% | 6,693 |
| Assets per employee ($millions) | 3.0384% | 6,029 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6287% | 7,580 |
| Loan loss allowance to noncurrent loans | 250.5495% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 7,192 |
| Noncurrent loans to loans | 0.2509% | 6,887 |
| Net loans and leases to total assets | 43.9319% | 7,333 |
| Net loans and leases to deposits | 59.8761% | 6,900 |
| Net loans and leases to core deposits | 65.3194% | 7,243 |
| Total domestic deposits to total assets | 73.3714% | 7,055 |
| Equity capital to assets | 13.2174% | 1,597 |
| Core capital (leverage) ratio | 12.3066% | 1,694 |
| Tier 1 risk-based capital ratio | 27.1685% | 768 |
| Total risk-based capital ratio | 27.7778% | 791 |
| Memoranda: | ||
| Average total assets | $80,424,330 | 5,783 |
| Average earning assets | $74,683,330 | 5,721 |
| Average equity | $10,774,000 | 5,145 |
| Average total loans | $36,378,000 | 6,384 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4012% | 5,421 |
| Cost of funding earning assets | 1.5277% | 6,316 |
| Net interest margin | 3.8735% | 3,171 |
| Noninterest income to average assets | 0.7687% | 2,491 |
| Noninterest expense to average assets | 2.5019% | 5,839 |
| Loan and lease loss provision to assets | 0.0100% | 6,701 |
| Net operating income to assets | 1.3715% | 1,204 |
| Return on assets (ROA) | 1.3715% | 1,297 |
| Pretax return on assets | 1.8488% | 893 |
| Return on Equity (ROE) | 10.1681% | 2,258 |
| Retained earnings to average equity (ytd only) | 7.3746% | 2,065 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3733% | 6,774 |
| Assets per employee ($millions) | 2.9920% | 6,178 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6585% | 7,553 |
| Loan loss allowance to noncurrent loans | 176.4706% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 7,047 |
| Noncurrent loans to loans | 0.3731% | 6,486 |
| Net loans and leases to total assets | 44.8208% | 7,277 |
| Net loans and leases to deposits | 61.2170% | 6,796 |
| Net loans and leases to core deposits | 66.9081% | 7,197 |
| Total domestic deposits to total assets | 73.2162% | 7,025 |
| Equity capital to assets | 13.5014% | 1,531 |
| Core capital (leverage) ratio | 12.7558% | 1,579 |
| Tier 1 risk-based capital ratio | 27.2306% | 803 |
| Total risk-based capital ratio | 27.8742% | 830 |
| Memoranda: | ||
| Average total assets | $79,618,500 | 5,836 |
| Average earning assets | $73,835,000 | 5,780 |
| Average equity | $10,739,500 | 5,173 |
| Average total loans | $36,433,000 | 6,419 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 7,192 |
| Cost of funding earning assets | 2.1729% | 5,716 |
| Net interest margin | 3.3794% | 5,744 |
| Noninterest income to average assets | 0.5873% | 3,947 |
| Noninterest expense to average assets | 2.5079% | 5,973 |
| Loan and lease loss provision to assets | 0.0050% | 7,296 |
| Net operating income to assets | 0.9310% | 2,873 |
| Return on assets (ROA) | 0.9679% | 2,583 |
| Pretax return on assets | 1.2829% | 2,371 |
| Return on Equity (ROE) | 7.6026% | 3,241 |
| Retained earnings to average equity (ytd only) | 4.6328% | 2,242 |
| Net charge-offs to loans | 0.0413% | 6,204 |
| Credit loss provision to net charge-offs | 28.5714% | 6,537 |
| Earnings coverage of net charge-offs (x) | 70.2143% | 579 |
| Efficiency ratio | 66.9358% | 4,919 |
| Assets per employee ($millions) | 3.0174% | 6,020 |
| Cash dividends to net income (ytd only)* | 39.0625% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 7,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 46.1168% | 7,320 |
| Net loans and leases to deposits | 63.1943% | 6,864 |
| Net loans and leases to core deposits | 69.5609% | 7,215 |
| Total domestic deposits to total assets | 72.9762% | 6,834 |
| Equity capital to assets | 13.4756% | 1,603 |
| Core capital (leverage) ratio | 12.7437% | 1,646 |
| Tier 1 risk-based capital ratio | 27.2638% | 815 |
| Total risk-based capital ratio | 27.9154% | 832 |
| Memoranda: | ||
| Average total assets | $79,350,600 | 5,725 |
| Average earning assets | $74,185,400 | 5,656 |
| Average equity | $10,101,800 | 5,378 |
| Average total loans | $33,933,400 | 6,491 |