Home > First National Bank of Bosque County > Performance and Condition Ratios
First National Bank of Bosque County, 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 | 4.7169% | 2,641 |
| Cost of funding earning assets | 0.5226% | 4,178 |
| Net interest margin | 4.1943% | 942 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.5643% | 2,112 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.8574% | 558 |
| Return on assets (ROA) | 1.8574% | 542 |
| Pretax return on assets | 1.8574% | 815 |
| Return on Equity (ROE) | 20.7500% | 548 |
| Retained earnings to average equity (ytd only) | 13.0212% | 500 |
| Net charge-offs to loans | 0.1163% | 822 |
| Credit loss provision to net charge-offs | 206.9231% | 1,199 |
| Earnings coverage of net charge-offs (x) | 27.3769% | 1,682 |
| Efficiency ratio | 56.0672% | 3,489 |
| Assets per employee ($millions) | 5.6697% | 3,099 |
| Cash dividends to net income (ytd only)* | 37.2340% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,027 |
| Loan loss allowance to noncurrent loans | 141.4263% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 732 |
| Noncurrent loans to loans | 1.0660% | 687 |
| Net loans and leases to total assets | 65.6000% | 2,298 |
| Net loans and leases to deposits | 78.2050% | 2,243 |
| Net loans and leases to core deposits | 81.2050% | 2,639 |
| Total domestic deposits to total assets | 83.8900% | 2,654 |
| Equity capital to assets | 9.8908% | 2,072 |
| Core capital (leverage) ratio | 10.4605% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7065% | 967 |
| Memoranda: | ||
| Average total assets | $177,127,800 | 3,151 |
| Average earning assets | $165,914,400 | 3,133 |
| Average equity | $15,858,800 | 3,198 |
| Average total loans | $111,780,000 | 3,031 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 2,821 |
| Cost of funding earning assets | 0.4436% | 4,209 |
| Net interest margin | 4.0948% | 1,077 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.5198% | 2,164 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.7595% | 716 |
| Return on assets (ROA) | 1.7595% | 703 |
| Pretax return on assets | 1.7595% | 1,068 |
| Return on Equity (ROE) | 20.1800% | 707 |
| Retained earnings to average equity (ytd only) | 14.6187% | 599 |
| Net charge-offs to loans | 0.1533% | 550 |
| Credit loss provision to net charge-offs | 197.6378% | 1,135 |
| Earnings coverage of net charge-offs (x) | 20.4173% | 1,810 |
| Efficiency ratio | 56.3982% | 3,370 |
| Assets per employee ($millions) | 5.9250% | 2,818 |
| Cash dividends to net income (ytd only)* | 27.5406% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 1,077 |
| Loan loss allowance to noncurrent loans | 101.2731% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.9721% | 545 |
| Noncurrent loans to loans | 1.4933% | 490 |
| Net loans and leases to total assets | 64.1100% | 2,435 |
| Net loans and leases to deposits | 75.6728% | 2,442 |
| Net loans and leases to core deposits | 80.1367% | 2,591 |
| Total domestic deposits to total assets | 84.7300% | 2,586 |
| Equity capital to assets | 9.1037% | 2,363 |
| Core capital (leverage) ratio | 10.2943% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9415% | 1,115 |
| Memoranda: | ||
| Average total assets | $177,469,750 | 3,153 |
| Average earning assets | $166,224,250 | 3,134 |
| Average equity | $15,477,500 | 3,214 |
| Average total loans | $110,457,000 | 3,051 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 2,987 |
| Cost of funding earning assets | 0.2696% | 4,357 |
| Net interest margin | 4.0884% | 1,098 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.4197% | 2,426 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.8559% | 605 |
| Return on assets (ROA) | 1.8559% | 599 |
| Pretax return on assets | 1.8559% | 926 |
| Return on Equity (ROE) | 21.6000% | 573 |
| Retained earnings to average equity (ytd only) | 16.0208% | 472 |
| Net charge-offs to loans | 0.1950% | 407 |
| Credit loss provision to net charge-offs | 198.1132% | 1,054 |
| Earnings coverage of net charge-offs (x) | 17.5094% | 1,798 |
| Efficiency ratio | 53.6232% | 3,644 |
| Assets per employee ($millions) | 5.7996% | 2,885 |
| Cash dividends to net income (ytd only)* | 25.8202% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 1,026 |
| Loan loss allowance to noncurrent loans | 145.1342% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 798 |
| Noncurrent loans to loans | 1.0708% | 684 |
| Net loans and leases to total assets | 60.9500% | 2,681 |
| Net loans and leases to deposits | 71.5107% | 2,684 |
| Net loans and leases to core deposits | 75.4868% | 2,795 |
| Total domestic deposits to total assets | 85.2400% | 2,479 |
| Equity capital to assets | 8.8215% | 2,644 |
| Core capital (leverage) ratio | 10.0459% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2372% | 1,077 |
| Memoranda: | ||
| Average total assets | $177,376,000 | 3,159 |
| Average earning assets | $166,175,667 | 3,143 |
| Average equity | $15,242,667 | 3,249 |
| Average total loans | $108,704,667 | 3,068 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,798 |
| Cost of funding earning assets | 0.2060% | 4,369 |
| Net interest margin | 4.0950% | 1,105 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.2751% | 2,882 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 2.2319% | 353 |
| Return on assets (ROA) | 2.2319% | 349 |
| Pretax return on assets | 2.2319% | 540 |
| Return on Equity (ROE) | 26.3300% | 350 |
| Retained earnings to average equity (ytd only) | 20.8384% | 330 |
| Net charge-offs to loans | 0.0186% | 1,308 |
| Credit loss provision to net charge-offs | 240.0000% | 759 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 504 |
| Efficiency ratio | 50.1753% | 3,919 |
| Assets per employee ($millions) | 5.5756% | 3,140 |
| Cash dividends to net income (ytd only)* | 20.8545% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 1,411 |
| Loan loss allowance to noncurrent loans | 145.9339% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 772 |
| Noncurrent loans to loans | 0.9986% | 727 |
| Net loans and leases to total assets | 63.8900% | 2,261 |
| Net loans and leases to deposits | 70.4189% | 2,572 |
| Net loans and leases to core deposits | 73.8053% | 2,689 |
| Total domestic deposits to total assets | 90.7200% | 901 |
| Equity capital to assets | 8.9253% | 2,572 |
| Core capital (leverage) ratio | 9.9532% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7806% | 1,194 |
| Memoranda: | ||
| Average total assets | $176,170,500 | 3,210 |
| Average earning assets | $165,080,500 | 3,192 |
| Average equity | $14,934,000 | 3,310 |
| Average total loans | $107,398,000 | 3,117 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3870% | 3,376 |
| Cost of funding earning assets | 0.1615% | 4,051 |
| Net interest margin | 3.2255% | 2,788 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.2909% | 2,767 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0753% | 2,282 |
| Return on assets (ROA) | 1.0753% | 2,221 |
| Pretax return on assets | 1.0753% | 2,849 |
| Return on Equity (ROE) | 13.3600% | 1,690 |
| Retained earnings to average equity (ytd only) | 8.3299% | 1,711 |
| Net charge-offs to loans | 0.1687% | 495 |
| Credit loss provision to net charge-offs | 143.6047% | 1,330 |
| Earnings coverage of net charge-offs (x) | 12.7093% | 2,101 |
| Efficiency ratio | 65.3950% | 2,307 |
| Assets per employee ($millions) | 5.7902% | 2,957 |
| Cash dividends to net income (ytd only)* | 37.6483% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 1,010 |
| Loan loss allowance to noncurrent loans | 176.1647% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 991 |
| Noncurrent loans to loans | 0.8984% | 826 |
| Net loans and leases to total assets | 56.3300% | 2,994 |
| Net loans and leases to deposits | 61.4481% | 3,241 |
| Net loans and leases to core deposits | 63.2489% | 3,312 |
| Total domestic deposits to total assets | 91.6700% | 729 |
| Equity capital to assets | 8.0453% | 3,036 |
| Core capital (leverage) ratio | 9.2577% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2746% | 1,088 |
| Memoranda: | ||
| Average total assets | $180,319,400 | 3,188 |
| Average earning assets | $169,089,600 | 3,163 |
| Average equity | $14,514,000 | 3,413 |
| Average total loans | $101,981,600 | 3,124 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1919% | 3,452 |
| Cost of funding earning assets | 0.1545% | 3,805 |
| Net interest margin | 3.0375% | 3,122 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.2807% | 2,687 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.9350% | 2,740 |
| Return on assets (ROA) | 0.9350% | 2,704 |
| Pretax return on assets | 0.9350% | 3,223 |
| Return on Equity (ROE) | 11.6200% | 2,163 |
| Retained earnings to average equity (ytd only) | 7.2114% | 2,296 |
| Net charge-offs to loans | 0.1375% | 472 |
| Credit loss provision to net charge-offs | 171.4286% | 1,058 |
| Earnings coverage of net charge-offs (x) | 13.7714% | 1,876 |
| Efficiency ratio | 68.1076% | 2,001 |
| Assets per employee ($millions) | 5.8155% | 2,916 |
| Cash dividends to net income (ytd only)* | 37.9147% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,085 |
| Loan loss allowance to noncurrent loans | 168.6722% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 1,009 |
| Noncurrent loans to loans | 0.9425% | 825 |
| Net loans and leases to total assets | 55.8300% | 2,918 |
| Net loans and leases to deposits | 60.8070% | 3,126 |
| Net loans and leases to core deposits | 62.7243% | 3,204 |
| Total domestic deposits to total assets | 91.8200% | 935 |
| Equity capital to assets | 7.6969% | 3,090 |
| Core capital (leverage) ratio | 8.8824% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6790% | 1,510 |
| Memoranda: | ||
| Average total assets | $180,525,250 | 3,204 |
| Average earning assets | $169,171,750 | 3,184 |
| Average equity | $14,532,250 | 3,460 |
| Average total loans | $101,792,750 | 3,127 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9895% | 3,588 |
| Cost of funding earning assets | 0.1523% | 3,540 |
| Net interest margin | 2.8372% | 3,321 |
| Noninterest income to average assets | 0.5293% | 2,043 |
| Noninterest expense to average assets | 2.2236% | 2,778 |
| Loan and lease loss provision to assets | 0.0664% | 1,419 |
| Net operating income to assets | 0.9003% | 2,580 |
| Return on assets (ROA) | 0.9003% | 2,551 |
| Pretax return on assets | 0.9003% | 3,063 |
| Return on Equity (ROE) | 11.0230% | 1,970 |
| Retained earnings to average equity (ytd only) | 6.6165% | 2,124 |
| Net charge-offs to loans | 0.0236% | 1,248 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 72.7500% | 982 |
| Efficiency ratio | 69.6980% | 2,002 |
| Assets per employee ($millions) | 5.2780% | 3,450 |
| Cash dividends to net income (ytd only)* | 39.9754% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 1,244 |
| Loan loss allowance to noncurrent loans | 127.0056% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 802 |
| Noncurrent loans to loans | 1.2285% | 646 |
| Net loans and leases to total assets | 54.6127% | 2,899 |
| Net loans and leases to deposits | 59.4353% | 3,095 |
| Net loans and leases to core deposits | 61.2589% | 3,179 |
| Total domestic deposits to total assets | 91.8860% | 884 |
| Equity capital to assets | 7.7102% | 3,340 |
| Core capital (leverage) ratio | 8.7491% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3878% | 1,604 |
| Memoranda: | ||
| Average total assets | $180,607,000 | 3,240 |
| Average earning assets | $169,392,000 | 3,222 |
| Average equity | $14,751,000 | 3,520 |
| Average total loans | $101,630,000 | 3,158 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9088% | 3,511 |
| Cost of funding earning assets | 0.1533% | 3,456 |
| Net interest margin | 2.7555% | 3,264 |
| Noninterest income to average assets | 0.4727% | 2,289 |
| Noninterest expense to average assets | 2.2493% | 2,688 |
| Loan and lease loss provision to assets | 0.0672% | 1,216 |
| Net operating income to assets | 0.7326% | 2,915 |
| Return on assets (ROA) | 0.7326% | 2,908 |
| Pretax return on assets | 0.7326% | 3,299 |
| Return on Equity (ROE) | 8.7171% | 2,430 |
| Retained earnings to average equity (ytd only) | 4.1853% | 2,872 |
| Net charge-offs to loans | 0.0158% | 1,222 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 710 |
| Efficiency ratio | 73.7693% | 1,768 |
| Assets per employee ($millions) | 5.1585% | 3,619 |
| Cash dividends to net income (ytd only)* | 51.9878% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,432 |
| Loan loss allowance to noncurrent loans | 130.2230% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6707% | 865 |
| Noncurrent loans to loans | 1.1800% | 752 |
| Net loans and leases to total assets | 55.9665% | 2,531 |
| Net loans and leases to deposits | 61.1639% | 2,791 |
| Net loans and leases to core deposits | 63.0913% | 2,879 |
| Total domestic deposits to total assets | 91.5026% | 805 |
| Equity capital to assets | 8.1319% | 3,465 |
| Core capital (leverage) ratio | 8.6771% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7847% | 1,879 |
| Memoranda: | ||
| Average total assets | $178,545,500 | 3,268 |
| Average earning assets | $166,941,000 | 3,262 |
| Average equity | $15,005,000 | 3,563 |
| Average total loans | $101,202,500 | 3,168 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4797% | 2,719 |
| Cost of funding earning assets | 0.1898% | 3,559 |
| Net interest margin | 3.2899% | 2,341 |
| Noninterest income to average assets | 0.6319% | 2,017 |
| Noninterest expense to average assets | 2.2978% | 2,803 |
| Loan and lease loss provision to assets | 0.3705% | 188 |
| Net operating income to assets | 1.0185% | 2,595 |
| Return on assets (ROA) | 1.0185% | 2,677 |
| Pretax return on assets | 1.0185% | 3,206 |
| Return on Equity (ROE) | 11.2732% | 2,063 |
| Retained earnings to average equity (ytd only) | 8.0219% | 1,532 |
| Net charge-offs to loans | 0.4852% | 172 |
| Credit loss provision to net charge-offs | 129.2887% | 1,587 |
| Earnings coverage of net charge-offs (x) | 4.8473% | 2,479 |
| Efficiency ratio | 62.3252% | 2,816 |
| Assets per employee ($millions) | 5.0441% | 3,692 |
| Cash dividends to net income (ytd only)* | 28.8405% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,374 |
| Loan loss allowance to noncurrent loans | 173.4899% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 1,316 |
| Noncurrent loans to loans | 0.8960% | 1,131 |
| Net loans and leases to total assets | 55.6412% | 2,658 |
| Net loans and leases to deposits | 61.1412% | 2,977 |
| Net loans and leases to core deposits | 63.2334% | 3,050 |
| Total domestic deposits to total assets | 91.0044% | 490 |
| Equity capital to assets | 8.6824% | 3,902 |
| Core capital (leverage) ratio | 8.6691% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6044% | 1,652 |
| Memoranda: | ||
| Average total assets | $166,811,000 | 3,329 |
| Average earning assets | $154,899,000 | 3,328 |
| Average equity | $15,071,200 | 3,626 |
| Average total loans | $98,510,400 | 3,217 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 2,406 |
| Cost of funding earning assets | 0.1934% | 3,686 |
| Net interest margin | 3.4603% | 1,975 |
| Noninterest income to average assets | 0.6205% | 2,130 |
| Noninterest expense to average assets | 2.3125% | 2,715 |
| Loan and lease loss provision to assets | 0.3869% | 169 |
| Net operating income to assets | 1.1291% | 2,440 |
| Return on assets (ROA) | 1.1291% | 2,503 |
| Pretax return on assets | 1.1291% | 3,138 |
| Return on Equity (ROE) | 12.3673% | 1,910 |
| Retained earnings to average equity (ytd only) | 9.5242% | 1,473 |
| Net charge-offs to loans | 0.4780% | 160 |
| Credit loss provision to net charge-offs | 135.5114% | 1,402 |
| Earnings coverage of net charge-offs (x) | 5.3097% | 2,228 |
| Efficiency ratio | 60.4025% | 2,929 |
| Assets per employee ($millions) | 5.1831% | 3,521 |
| Cash dividends to net income (ytd only)* | 22.9885% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,436 |
| Loan loss allowance to noncurrent loans | 100.7213% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 806 |
| Noncurrent loans to loans | 1.5484% | 676 |
| Net loans and leases to total assets | 55.0146% | 2,849 |
| Net loans and leases to deposits | 60.5589% | 3,182 |
| Net loans and leases to core deposits | 62.6361% | 3,256 |
| Total domestic deposits to total assets | 90.8447% | 422 |
| Equity capital to assets | 8.7246% | 4,052 |
| Core capital (leverage) ratio | 8.9834% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7561% | 1,698 |
| Memoranda: | ||
| Average total assets | $164,378,250 | 3,387 |
| Average earning assets | $152,391,750 | 3,386 |
| Average equity | $15,007,000 | 3,684 |
| Average total loans | $98,192,750 | 3,266 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 1,516 |
| Cost of funding earning assets | 0.2065% | 3,683 |
| Net interest margin | 3.8176% | 1,116 |
| Noninterest income to average assets | 0.6682% | 1,937 |
| Noninterest expense to average assets | 2.3051% | 2,762 |
| Loan and lease loss provision to assets | 0.3890% | 167 |
| Net operating income to assets | 1.5234% | 1,234 |
| Return on assets (ROA) | 1.5234% | 1,300 |
| Pretax return on assets | 1.5234% | 1,949 |
| Return on Equity (ROE) | 16.4199% | 876 |
| Retained earnings to average equity (ytd only) | 14.4044% | 498 |
| Net charge-offs to loans | 0.5444% | 147 |
| Credit loss provision to net charge-offs | 116.8539% | 1,276 |
| Earnings coverage of net charge-offs (x) | 5.7453% | 1,983 |
| Efficiency ratio | 54.6556% | 3,724 |
| Assets per employee ($millions) | 4.7708% | 3,864 |
| Cash dividends to net income (ytd only)* | 12.2750% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 1,643 |
| Loan loss allowance to noncurrent loans | 95.6636% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 805 |
| Noncurrent loans to loans | 1.5523% | 723 |
| Net loans and leases to total assets | 59.5470% | 2,477 |
| Net loans and leases to deposits | 66.0829% | 2,815 |
| Net loans and leases to core deposits | 68.3658% | 2,925 |
| Total domestic deposits to total assets | 90.1096% | 719 |
| Equity capital to assets | 9.4607% | 3,370 |
| Core capital (leverage) ratio | 9.2088% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3103% | 1,528 |
| Memoranda: | ||
| Average total assets | $160,429,000 | 3,431 |
| Average earning assets | $149,152,333 | 3,430 |
| Average equity | $14,884,333 | 3,694 |
| Average total loans | $98,095,000 | 3,281 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4154% | 894 |
| Cost of funding earning assets | 0.2239% | 3,690 |
| Net interest margin | 4.1915% | 606 |
| Noninterest income to average assets | 0.5641% | 2,355 |
| Noninterest expense to average assets | 2.1587% | 3,240 |
| Loan and lease loss provision to assets | 0.0802% | 1,613 |
| Net operating income to assets | 2.2214% | 400 |
| Return on assets (ROA) | 2.2214% | 435 |
| Pretax return on assets | 2.2214% | 666 |
| Return on Equity (ROE) | 24.1853% | 288 |
| Retained earnings to average equity (ytd only) | 20.0908% | 266 |
| Net charge-offs to loans | 0.1264% | 574 |
| Credit loss provision to net charge-offs | 103.2258% | 1,095 |
| Earnings coverage of net charge-offs (x) | 29.6129% | 1,099 |
| Efficiency ratio | 48.3980% | 4,315 |
| Assets per employee ($millions) | 5.0660% | 3,574 |
| Cash dividends to net income (ytd only)* | 16.9300% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,866 |
| Loan loss allowance to noncurrent loans | 144.2288% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 1,594 |
| Noncurrent loans to loans | 0.9862% | 1,366 |
| Net loans and leases to total assets | 58.5368% | 2,737 |
| Net loans and leases to deposits | 64.5975% | 3,073 |
| Net loans and leases to core deposits | 66.6567% | 3,188 |
| Total domestic deposits to total assets | 90.6177% | 535 |
| Equity capital to assets | 8.9767% | 3,708 |
| Core capital (leverage) ratio | 9.4252% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5523% | 1,414 |
| Memoranda: | ||
| Average total assets | $159,539,500 | 3,443 |
| Average earning assets | $148,300,000 | 3,436 |
| Average equity | $14,653,500 | 3,724 |
| Average total loans | $98,119,500 | 3,285 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 2,507 |
| Cost of funding earning assets | 0.3078% | 4,100 |
| Net interest margin | 3.7635% | 1,605 |
| Noninterest income to average assets | 0.6659% | 1,966 |
| Noninterest expense to average assets | 2.8217% | 1,889 |
| Loan and lease loss provision to assets | 0.3130% | 1,190 |
| Net operating income to assets | 0.9935% | 2,316 |
| Return on assets (ROA) | 0.9935% | 2,456 |
| Pretax return on assets | 0.9935% | 3,064 |
| Return on Equity (ROE) | 9.7437% | 2,098 |
| Retained earnings to average equity (ytd only) | 4.6042% | 2,479 |
| Net charge-offs to loans | 0.3665% | 475 |
| Credit loss provision to net charge-offs | 125.0000% | 2,596 |
| Earnings coverage of net charge-offs (x) | 5.2180% | 2,886 |
| Efficiency ratio | 68.3533% | 2,190 |
| Assets per employee ($millions) | 4.6031% | 3,807 |
| Cash dividends to net income (ytd only)* | 52.7473% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,751 |
| Loan loss allowance to noncurrent loans | 87.0988% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.0665% | 874 |
| Noncurrent loans to loans | 1.6707% | 778 |
| Net loans and leases to total assets | 62.9063% | 2,495 |
| Net loans and leases to deposits | 69.7555% | 2,905 |
| Net loans and leases to core deposits | 72.1482% | 3,063 |
| Total domestic deposits to total assets | 90.1812% | 494 |
| Equity capital to assets | 9.4140% | 3,689 |
| Core capital (leverage) ratio | 9.4382% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6884% | 1,348 |
| Memoranda: | ||
| Average total assets | $137,398,000 | 3,545 |
| Average earning assets | $126,399,400 | 3,551 |
| Average equity | $14,009,000 | 3,755 |
| Average total loans | $93,854,200 | 3,344 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 2,125 |
| Cost of funding earning assets | 0.3284% | 4,167 |
| Net interest margin | 3.9641% | 1,198 |
| Noninterest income to average assets | 0.6429% | 2,009 |
| Noninterest expense to average assets | 2.9333% | 1,605 |
| Loan and lease loss provision to assets | 0.3386% | 1,142 |
| Net operating income to assets | 1.0156% | 2,275 |
| Return on assets (ROA) | 1.0156% | 2,407 |
| Pretax return on assets | 1.0156% | 3,012 |
| Return on Equity (ROE) | 9.7489% | 2,114 |
| Retained earnings to average equity (ytd only) | 4.5827% | 2,756 |
| Net charge-offs to loans | 0.3624% | 435 |
| Credit loss provision to net charge-offs | 134.3874% | 2,420 |
| Earnings coverage of net charge-offs (x) | 5.3715% | 2,735 |
| Efficiency ratio | 68.4100% | 2,125 |
| Assets per employee ($millions) | 4.4894% | 3,861 |
| Cash dividends to net income (ytd only)* | 52.9931% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 1,464 |
| Loan loss allowance to noncurrent loans | 80.2273% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.1880% | 852 |
| Noncurrent loans to loans | 1.8360% | 711 |
| Net loans and leases to total assets | 63.7527% | 2,797 |
| Net loans and leases to deposits | 70.8811% | 3,227 |
| Net loans and leases to core deposits | 73.3773% | 3,367 |
| Total domestic deposits to total assets | 89.9432% | 447 |
| Equity capital to assets | 9.5269% | 3,664 |
| Core capital (leverage) ratio | 9.6501% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0219% | 1,244 |
| Memoranda: | ||
| Average total assets | $133,772,000 | 3,569 |
| Average earning assets | $123,001,750 | 3,579 |
| Average equity | $13,936,250 | 3,769 |
| Average total loans | $93,076,000 | 3,364 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 1,237 |
| Cost of funding earning assets | 0.3598% | 4,228 |
| Net interest margin | 4.4120% | 600 |
| Noninterest income to average assets | 0.6792% | 1,815 |
| Noninterest expense to average assets | 3.1214% | 1,308 |
| Loan and lease loss provision to assets | 0.1938% | 2,099 |
| Net operating income to assets | 1.4142% | 1,083 |
| Return on assets (ROA) | 1.4142% | 1,175 |
| Pretax return on assets | 1.4142% | 1,696 |
| Return on Equity (ROE) | 13.1441% | 1,068 |
| Retained earnings to average equity (ytd only) | 7.9556% | 1,323 |
| Net charge-offs to loans | 0.1324% | 1,053 |
| Credit loss provision to net charge-offs | 204.9180% | 1,887 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,833 |
| Efficiency ratio | 66.0000% | 2,517 |
| Assets per employee ($millions) | 4.3705% | 3,939 |
| Cash dividends to net income (ytd only)* | 39.4737% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 1,386 |
| Loan loss allowance to noncurrent loans | 69.4153% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.4075% | 693 |
| Noncurrent loans to loans | 2.0969% | 614 |
| Net loans and leases to total assets | 65.2004% | 2,736 |
| Net loans and leases to deposits | 72.7186% | 3,190 |
| Net loans and leases to core deposits | 75.3572% | 3,343 |
| Total domestic deposits to total assets | 89.6614% | 509 |
| Equity capital to assets | 9.8373% | 3,334 |
| Core capital (leverage) ratio | 10.1199% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6068% | 1,600 |
| Memoranda: | ||
| Average total assets | $128,979,667 | 3,609 |
| Average earning assets | $118,405,667 | 3,616 |
| Average equity | $13,877,000 | 3,786 |
| Average total loans | $92,147,667 | 3,371 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 2,044 |
| Cost of funding earning assets | 0.3711% | 4,458 |
| Net interest margin | 4.2120% | 898 |
| Noninterest income to average assets | 0.7713% | 1,390 |
| Noninterest expense to average assets | 3.1609% | 1,507 |
| Loan and lease loss provision to assets | 0.0989% | 2,446 |
| Net operating income to assets | 1.3646% | 1,068 |
| Return on assets (ROA) | 1.3646% | 1,149 |
| Pretax return on assets | 1.3646% | 1,673 |
| Return on Equity (ROE) | 12.0687% | 1,086 |
| Retained earnings to average equity (ytd only) | 6.8214% | 1,602 |
| Net charge-offs to loans | 0.0088% | 2,244 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 313 |
| Efficiency ratio | 68.3535% | 2,609 |
| Assets per employee ($millions) | 3.8525% | 4,115 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 1,382 |
| Loan loss allowance to noncurrent loans | 80.4400% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.3879% | 813 |
| Noncurrent loans to loans | 1.8507% | 801 |
| Net loans and leases to total assets | 72.6239% | 1,840 |
| Net loans and leases to deposits | 83.0990% | 2,323 |
| Net loans and leases to core deposits | 86.7354% | 2,621 |
| Total domestic deposits to total assets | 87.3944% | 1,386 |
| Equity capital to assets | 11.2306% | 2,657 |
| Core capital (leverage) ratio | 11.3733% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5155% | 1,464 |
| Memoranda: | ||
| Average total assets | $121,356,500 | 3,687 |
| Average earning assets | $111,015,000 | 3,704 |
| Average equity | $13,721,500 | 3,808 |
| Average total loans | $90,509,000 | 3,387 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 2,216 |
| Cost of funding earning assets | 0.3470% | 4,603 |
| Net interest margin | 4.3903% | 907 |
| Noninterest income to average assets | 0.7264% | 1,719 |
| Noninterest expense to average assets | 3.1007% | 1,756 |
| Loan and lease loss provision to assets | 0.1741% | 1,201 |
| Net operating income to assets | 1.4670% | 1,131 |
| Return on assets (ROA) | 1.4670% | 1,196 |
| Pretax return on assets | 1.4670% | 1,911 |
| Return on Equity (ROE) | 13.2001% | 1,115 |
| Retained earnings to average equity (ytd only) | 5.4420% | 2,198 |
| Net charge-offs to loans | 0.0963% | 1,763 |
| Credit loss provision to net charge-offs | 245.8824% | 1,105 |
| Earnings coverage of net charge-offs (x) | 23.1765% | 1,823 |
| Efficiency ratio | 65.3900% | 2,856 |
| Assets per employee ($millions) | 3.7323% | 4,229 |
| Cash dividends to net income (ytd only)* | 58.7734% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 1,306 |
| Loan loss allowance to noncurrent loans | 89.0457% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2651% | 882 |
| Noncurrent loans to loans | 1.6509% | 838 |
| Net loans and leases to total assets | 74.3591% | 1,692 |
| Net loans and leases to deposits | 85.2377% | 2,183 |
| Net loans and leases to core deposits | 89.0906% | 2,506 |
| Total domestic deposits to total assets | 87.2373% | 1,494 |
| Equity capital to assets | 11.3854% | 2,638 |
| Core capital (leverage) ratio | 11.3120% | 2,238 |
| Tier 1 risk-based capital ratio | 16.2594% | 2,309 |
| Total risk-based capital ratio | 17.5136% | 2,254 |
| Memoranda: | ||
| Average total assets | $120,037,600 | 3,704 |
| Average earning assets | $109,788,200 | 3,713 |
| Average equity | $13,340,800 | 3,853 |
| Average total loans | $88,281,200 | 3,443 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 2,324 |
| Cost of funding earning assets | 0.3434% | 4,681 |
| Net interest margin | 4.3859% | 980 |
| Noninterest income to average assets | 0.6811% | 1,863 |
| Noninterest expense to average assets | 3.0651% | 1,788 |
| Loan and lease loss provision to assets | 0.0777% | 2,347 |
| Net operating income to assets | 1.5475% | 1,069 |
| Return on assets (ROA) | 1.5475% | 1,124 |
| Pretax return on assets | 1.5475% | 1,821 |
| Return on Equity (ROE) | 14.0093% | 983 |
| Retained earnings to average equity (ytd only) | 9.1387% | 1,011 |
| Net charge-offs to loans | 0.0137% | 2,887 |
| Credit loss provision to net charge-offs | 777.7778% | 443 |
| Earnings coverage of net charge-offs (x) | 162.7733% | 511 |
| Efficiency ratio | 65.3500% | 2,809 |
| Assets per employee ($millions) | 3.6404% | 4,347 |
| Cash dividends to net income (ytd only)* | 34.7671% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,667 |
| Loan loss allowance to noncurrent loans | 118.4038% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8865% | 1,545 |
| Noncurrent loans to loans | 1.1616% | 1,361 |
| Net loans and leases to total assets | 75.2714% | 1,608 |
| Net loans and leases to deposits | 86.5294% | 2,131 |
| Net loans and leases to core deposits | 89.9724% | 2,550 |
| Total domestic deposits to total assets | 86.9893% | 1,525 |
| Equity capital to assets | 11.4715% | 2,677 |
| Core capital (leverage) ratio | 11.5893% | 2,154 |
| Tier 1 risk-based capital ratio | 14.9921% | 2,851 |
| Total risk-based capital ratio | 16.2434% | 2,786 |
| Memoranda: | ||
| Average total assets | $120,188,500 | 3,739 |
| Average earning assets | $109,865,500 | 3,753 |
| Average equity | $13,276,500 | 3,893 |
| Average total loans | $87,817,750 | 3,489 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 2,686 |
| Cost of funding earning assets | 0.3214% | 4,764 |
| Net interest margin | 4.2765% | 1,190 |
| Noninterest income to average assets | 0.6489% | 1,923 |
| Noninterest expense to average assets | 3.0397% | 1,885 |
| Loan and lease loss provision to assets | 0.0666% | 2,483 |
| Net operating income to assets | 1.4608% | 1,261 |
| Return on assets (ROA) | 1.4608% | 1,316 |
| Pretax return on assets | 1.4608% | 1,988 |
| Return on Equity (ROE) | 13.3961% | 1,124 |
| Retained earnings to average equity (ytd only) | 8.6662% | 1,139 |
| Net charge-offs to loans | 0.0139% | 2,643 |
| Credit loss provision to net charge-offs | 666.6667% | 480 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 491 |
| Efficiency ratio | 66.5574% | 2,742 |
| Assets per employee ($millions) | 3.7354% | 4,200 |
| Cash dividends to net income (ytd only)* | 35.3075% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,612 |
| Loan loss allowance to noncurrent loans | 149.6970% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 1,985 |
| Noncurrent loans to loans | 0.9352% | 1,746 |
| Net loans and leases to total assets | 72.7640% | 2,102 |
| Net loans and leases to deposits | 83.3960% | 2,561 |
| Net loans and leases to core deposits | 86.7151% | 2,903 |
| Total domestic deposits to total assets | 87.2512% | 1,461 |
| Equity capital to assets | 11.2379% | 2,824 |
| Core capital (leverage) ratio | 11.2123% | 2,412 |
| Tier 1 risk-based capital ratio | 15.2729% | 2,727 |
| Total risk-based capital ratio | 16.5243% | 2,659 |
| Memoranda: | ||
| Average total assets | $120,207,330 | 3,756 |
| Average earning assets | $110,137,330 | 3,770 |
| Average equity | $13,108,330 | 3,916 |
| Average total loans | $86,528,330 | 3,541 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 3,119 |
| Cost of funding earning assets | 0.3044% | 4,829 |
| Net interest margin | 4.1246% | 1,489 |
| Noninterest income to average assets | 0.6338% | 1,892 |
| Noninterest expense to average assets | 2.9898% | 2,019 |
| Loan and lease loss provision to assets | 0.0664% | 2,341 |
| Net operating income to assets | 1.3539% | 1,517 |
| Return on assets (ROA) | 1.3539% | 1,558 |
| Pretax return on assets | 1.3539% | 2,251 |
| Return on Equity (ROE) | 12.6062% | 1,356 |
| Retained earnings to average equity (ytd only) | 12.6062% | 528 |
| Net charge-offs to loans | 0.0280% | 1,897 |
| Credit loss provision to net charge-offs | 333.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 71.3333% | 833 |
| Efficiency ratio | 67.7953% | 2,665 |
| Assets per employee ($millions) | 3.7610% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,635 |
| Loan loss allowance to noncurrent loans | 114.0845% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 1,593 |
| Noncurrent loans to loans | 1.2371% | 1,328 |
| Net loans and leases to total assets | 70.5223% | 2,401 |
| Net loans and leases to deposits | 79.7443% | 2,869 |
| Net loans and leases to core deposits | 82.0461% | 3,181 |
| Total domestic deposits to total assets | 88.4356% | 1,118 |
| Equity capital to assets | 10.9454% | 2,909 |
| Core capital (leverage) ratio | 11.1096% | 2,466 |
| Tier 1 risk-based capital ratio | 15.6244% | 2,600 |
| Total risk-based capital ratio | 16.8763% | 2,520 |
| Memoranda: | ||
| Average total assets | $120,544,500 | 3,795 |
| Average earning assets | $110,363,000 | 3,809 |
| Average equity | $12,946,000 | 3,956 |
| Average total loans | $85,686,500 | 3,587 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 3,337 |
| Cost of funding earning assets | 0.3182% | 4,481 |
| Net interest margin | 3.9168% | 2,275 |
| Noninterest income to average assets | 0.6625% | 2,003 |
| Noninterest expense to average assets | 2.7696% | 2,787 |
| Loan and lease loss provision to assets | 0.1357% | 1,590 |
| Net operating income to assets | 1.3468% | 1,626 |
| Return on assets (ROA) | 1.3468% | 1,614 |
| Pretax return on assets | 1.3468% | 2,332 |
| Return on Equity (ROE) | 13.3313% | 1,222 |
| Retained earnings to average equity (ytd only) | 5.4141% | 2,527 |
| Net charge-offs to loans | 0.1450% | 1,318 |
| Credit loss provision to net charge-offs | 141.1765% | 1,919 |
| Earnings coverage of net charge-offs (x) | 15.4202% | 2,327 |
| Efficiency ratio | 65.1340% | 3,009 |
| Assets per employee ($millions) | 3.7730% | 4,225 |
| Cash dividends to net income (ytd only)* | 59.3881% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 1,603 |
| Loan loss allowance to noncurrent loans | 179.2537% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 2,391 |
| Noncurrent loans to loans | 0.7856% | 2,044 |
| Net loans and leases to total assets | 69.6406% | 2,624 |
| Net loans and leases to deposits | 78.3244% | 3,130 |
| Net loans and leases to core deposits | 80.5777% | 3,386 |
| Total domestic deposits to total assets | 88.9131% | 894 |
| Equity capital to assets | 10.5345% | 3,148 |
| Core capital (leverage) ratio | 10.5514% | 2,965 |
| Tier 1 risk-based capital ratio | 15.1623% | 2,751 |
| Total risk-based capital ratio | 16.4135% | 2,687 |
| Memoranda: | ||
| Average total assets | $123,772,000 | 3,731 |
| Average earning assets | $113,434,400 | 3,748 |
| Average equity | $12,504,400 | 3,959 |
| Average total loans | $82,088,400 | 3,623 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 3,568 |
| Cost of funding earning assets | 0.3150% | 4,415 |
| Net interest margin | 3.8039% | 2,635 |
| Noninterest income to average assets | 0.5996% | 2,311 |
| Noninterest expense to average assets | 2.7377% | 2,851 |
| Loan and lease loss provision to assets | 0.0910% | 2,157 |
| Net operating income to assets | 1.2623% | 1,990 |
| Return on assets (ROA) | 1.2623% | 1,998 |
| Pretax return on assets | 1.2623% | 2,760 |
| Return on Equity (ROE) | 12.6254% | 1,571 |
| Retained earnings to average equity (ytd only) | 8.4490% | 1,449 |
| Net charge-offs to loans | 0.0525% | 2,075 |
| Credit loss provision to net charge-offs | 265.6250% | 1,124 |
| Earnings coverage of net charge-offs (x) | 39.4959% | 1,370 |
| Efficiency ratio | 66.9197% | 2,725 |
| Assets per employee ($millions) | 3.9281% | 4,006 |
| Cash dividends to net income (ytd only)* | 33.0791% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,583 |
| Loan loss allowance to noncurrent loans | 187.9875% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 2,636 |
| Noncurrent loans to loans | 0.7620% | 2,182 |
| Net loans and leases to total assets | 68.0887% | 2,923 |
| Net loans and leases to deposits | 76.6889% | 3,353 |
| Net loans and leases to core deposits | 78.5473% | 3,614 |
| Total domestic deposits to total assets | 88.7856% | 919 |
| Equity capital to assets | 10.5123% | 3,129 |
| Core capital (leverage) ratio | 10.5521% | 3,033 |
| Tier 1 risk-based capital ratio | 15.4819% | 2,659 |
| Total risk-based capital ratio | 16.7340% | 2,588 |
| Memoranda: | ||
| Average total assets | $124,530,750 | 3,757 |
| Average earning assets | $114,300,500 | 3,778 |
| Average equity | $12,450,750 | 3,994 |
| Average total loans | $81,289,750 | 3,668 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 3,769 |
| Cost of funding earning assets | 0.3050% | 4,380 |
| Net interest margin | 3.7001% | 2,924 |
| Noninterest income to average assets | 0.5851% | 2,406 |
| Noninterest expense to average assets | 2.6799% | 3,080 |
| Loan and lease loss provision to assets | 0.0877% | 2,164 |
| Net operating income to assets | 1.2212% | 2,093 |
| Return on assets (ROA) | 1.2212% | 2,092 |
| Pretax return on assets | 1.2212% | 2,871 |
| Return on Equity (ROE) | 12.4210% | 1,573 |
| Retained earnings to average equity (ytd only) | 8.2050% | 1,536 |
| Net charge-offs to loans | 0.0274% | 2,307 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 74.6364% | 864 |
| Efficiency ratio | 67.1863% | 2,784 |
| Assets per employee ($millions) | 4.1361% | 3,669 |
| Cash dividends to net income (ytd only)* | 33.9426% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,604 |
| Loan loss allowance to noncurrent loans | 155.5267% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 2,361 |
| Noncurrent loans to loans | 0.9251% | 1,872 |
| Net loans and leases to total assets | 66.0254% | 3,147 |
| Net loans and leases to deposits | 73.9614% | 3,533 |
| Net loans and leases to core deposits | 75.8843% | 3,750 |
| Total domestic deposits to total assets | 89.2702% | 828 |
| Equity capital to assets | 10.0883% | 3,548 |
| Core capital (leverage) ratio | 10.0641% | 3,511 |
| Tier 1 risk-based capital ratio | 15.5164% | 2,631 |
| Total risk-based capital ratio | 16.7688% | 2,573 |
| Memoranda: | ||
| Average total assets | $125,450,330 | 3,766 |
| Average earning assets | $115,402,000 | 3,785 |
| Average equity | $12,334,000 | 4,032 |
| Average total loans | $80,347,000 | 3,705 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,918 |
| Cost of funding earning assets | 0.2964% | 4,380 |
| Net interest margin | 3.6051% | 3,159 |
| Noninterest income to average assets | 0.5772% | 2,379 |
| Noninterest expense to average assets | 2.6924% | 3,067 |
| Loan and lease loss provision to assets | 0.0317% | 3,090 |
| Net operating income to assets | 1.1702% | 2,136 |
| Return on assets (ROA) | 1.1702% | 2,146 |
| Pretax return on assets | 1.1702% | 2,893 |
| Return on Equity (ROE) | 12.0569% | 1,561 |
| Retained earnings to average equity (ytd only) | 12.0569% | 675 |
| Net charge-offs to loans | -0.0355% | 4,817 |
| Credit loss provision to net charge-offs | -142.8571% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1368% | 2,641 |
| Assets per employee ($millions) | 3.9335% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 1,572 |
| Loan loss allowance to noncurrent loans | 447.8927% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 4,053 |
| Noncurrent loans to loans | 0.3286% | 3,590 |
| Net loans and leases to total assets | 62.1666% | 3,529 |
| Net loans and leases to deposits | 69.4256% | 3,835 |
| Net loans and leases to core deposits | 71.1968% | 4,017 |
| Total domestic deposits to total assets | 89.5442% | 866 |
| Equity capital to assets | 9.8679% | 3,735 |
| Core capital (leverage) ratio | 9.9114% | 3,627 |
| Tier 1 risk-based capital ratio | 16.1833% | 2,395 |
| Total risk-based capital ratio | 17.4366% | 2,350 |
| Memoranda: | ||
| Average total assets | $126,133,500 | 3,793 |
| Average earning assets | $116,058,500 | 3,812 |
| Average equity | $12,242,000 | 4,083 |
| Average total loans | $78,959,000 | 3,763 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8618% | 3,847 |
| Cost of funding earning assets | 0.2396% | 4,650 |
| Net interest margin | 3.6222% | 3,095 |
| Noninterest income to average assets | 0.6972% | 1,979 |
| Noninterest expense to average assets | 2.7862% | 2,823 |
| Loan and lease loss provision to assets | 0.1409% | 1,614 |
| Net operating income to assets | 1.0837% | 1,917 |
| Return on assets (ROA) | 1.0837% | 1,940 |
| Pretax return on assets | 1.0837% | 3,253 |
| Return on Equity (ROE) | 11.0467% | 1,461 |
| Retained earnings to average equity (ytd only) | 4.9143% | 2,181 |
| Net charge-offs to loans | 0.0920% | 2,163 |
| Credit loss provision to net charge-offs | 244.2857% | 1,129 |
| Earnings coverage of net charge-offs (x) | 21.2286% | 1,922 |
| Efficiency ratio | 69.4678% | 2,628 |
| Assets per employee ($millions) | 4.0772% | 3,845 |
| Cash dividends to net income (ytd only)* | 55.5133% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,519 |
| Loan loss allowance to noncurrent loans | 429.8507% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 4,074 |
| Noncurrent loans to loans | 0.3414% | 3,537 |
| Net loans and leases to total assets | 61.1944% | 3,710 |
| Net loans and leases to deposits | 68.0689% | 4,022 |
| Net loans and leases to core deposits | 69.7886% | 4,190 |
| Total domestic deposits to total assets | 89.9006% | 604 |
| Equity capital to assets | 9.5440% | 4,198 |
| Core capital (leverage) ratio | 9.7082% | 3,804 |
| Tier 1 risk-based capital ratio | 16.0672% | 2,411 |
| Total risk-based capital ratio | 17.3200% | 2,347 |
| Memoranda: | ||
| Average total assets | $121,348,400 | 3,868 |
| Average earning assets | $111,011,200 | 3,898 |
| Average equity | $11,904,000 | 4,155 |
| Average total loans | $76,102,200 | 3,820 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 3,846 |
| Cost of funding earning assets | 0.2200% | 4,811 |
| Net interest margin | 3.6261% | 3,052 |
| Noninterest income to average assets | 0.6795% | 2,085 |
| Noninterest expense to average assets | 2.7968% | 2,736 |
| Loan and lease loss provision to assets | 0.1232% | 1,754 |
| Net operating income to assets | 1.0714% | 2,224 |
| Return on assets (ROA) | 1.0714% | 2,272 |
| Pretax return on assets | 1.0714% | 3,417 |
| Return on Equity (ROE) | 10.8446% | 1,759 |
| Retained earnings to average equity (ytd only) | 6.0123% | 2,229 |
| Net charge-offs to loans | 0.0653% | 2,184 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 29.0823% | 1,590 |
| Efficiency ratio | 70.0695% | 2,522 |
| Assets per employee ($millions) | 4.0473% | 3,905 |
| Cash dividends to net income (ytd only)* | 44.5598% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 1,636 |
| Loan loss allowance to noncurrent loans | 543.4783% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 4,452 |
| Noncurrent loans to loans | 0.2709% | 3,987 |
| Net loans and leases to total assets | 59.9998% | 3,864 |
| Net loans and leases to deposits | 66.9417% | 4,188 |
| Net loans and leases to core deposits | 68.8067% | 4,313 |
| Total domestic deposits to total assets | 89.6299% | 607 |
| Equity capital to assets | 9.6671% | 4,276 |
| Core capital (leverage) ratio | 9.9835% | 3,587 |
| Tier 1 risk-based capital ratio | 16.0377% | 2,485 |
| Total risk-based capital ratio | 17.2908% | 2,423 |
| Memoranda: | ||
| Average total assets | $120,087,000 | 3,933 |
| Average earning assets | $109,684,750 | 3,961 |
| Average equity | $11,864,250 | 4,201 |
| Average total loans | $75,503,250 | 3,868 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 3,830 |
| Cost of funding earning assets | 0.2164% | 4,829 |
| Net interest margin | 3.6025% | 3,028 |
| Noninterest income to average assets | 0.7388% | 1,819 |
| Noninterest expense to average assets | 2.8455% | 2,598 |
| Loan and lease loss provision to assets | 0.0896% | 2,192 |
| Net operating income to assets | 1.0973% | 1,991 |
| Return on assets (ROA) | 1.0973% | 2,047 |
| Pretax return on assets | 1.0973% | 3,190 |
| Return on Equity (ROE) | 11.0224% | 1,637 |
| Retained earnings to average equity (ytd only) | 6.2670% | 1,983 |
| Net charge-offs to loans | 0.0745% | 1,875 |
| Credit loss provision to net charge-offs | 189.2857% | 1,324 |
| Earnings coverage of net charge-offs (x) | 25.0714% | 1,619 |
| Efficiency ratio | 70.5660% | 2,573 |
| Assets per employee ($millions) | 3.6693% | 4,483 |
| Cash dividends to net income (ytd only)* | 43.1433% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 1,954 |
| Loan loss allowance to noncurrent loans | 502.8037% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 4,444 |
| Noncurrent loans to loans | 0.2782% | 4,045 |
| Net loans and leases to total assets | 64.6037% | 3,300 |
| Net loans and leases to deposits | 72.4933% | 3,685 |
| Net loans and leases to core deposits | 74.6653% | 3,887 |
| Total domestic deposits to total assets | 89.1168% | 904 |
| Equity capital to assets | 10.1721% | 3,709 |
| Core capital (leverage) ratio | 10.2106% | 3,258 |
| Tier 1 risk-based capital ratio | 16.1652% | 2,440 |
| Total risk-based capital ratio | 17.4173% | 2,384 |
| Memoranda: | ||
| Average total assets | $118,293,670 | 3,985 |
| Average earning assets | $108,147,330 | 4,015 |
| Average equity | $11,776,000 | 4,226 |
| Average total loans | $75,202,670 | 3,896 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7266% | 4,024 |
| Cost of funding earning assets | 0.1990% | 4,988 |
| Net interest margin | 3.5275% | 3,172 |
| Noninterest income to average assets | 0.8793% | 1,310 |
| Noninterest expense to average assets | 2.7929% | 2,820 |
| Loan and lease loss provision to assets | 0.0775% | 2,260 |
| Net operating income to assets | 1.2330% | 1,421 |
| Return on assets (ROA) | 1.2330% | 1,459 |
| Pretax return on assets | 1.2330% | 2,465 |
| Return on Equity (ROE) | 12.5214% | 1,106 |
| Retained earnings to average equity (ytd only) | 12.5214% | 421 |
| Net charge-offs to loans | 0.0430% | 1,975 |
| Credit loss provision to net charge-offs | 287.5000% | 812 |
| Earnings coverage of net charge-offs (x) | 48.6250% | 915 |
| Efficiency ratio | 68.0624% | 3,183 |
| Assets per employee ($millions) | 3.7166% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 1,997 |
| Loan loss allowance to noncurrent loans | 300.2817% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 4,002 |
| Noncurrent loans to loans | 0.4726% | 3,399 |
| Net loans and leases to total assets | 62.2652% | 3,499 |
| Net loans and leases to deposits | 69.6986% | 3,834 |
| Net loans and leases to core deposits | 71.7523% | 4,004 |
| Total domestic deposits to total assets | 89.3349% | 984 |
| Equity capital to assets | 9.9941% | 3,764 |
| Core capital (leverage) ratio | 10.1773% | 3,265 |
| Tier 1 risk-based capital ratio | 16.3364% | 2,417 |
| Total risk-based capital ratio | 17.5884% | 2,362 |
| Memoranda: | ||
| Average total assets | $118,731,000 | 4,017 |
| Average earning assets | $108,518,500 | 4,036 |
| Average equity | $11,692,000 | 4,269 |
| Average total loans | $74,337,500 | 3,944 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5948% | 4,518 |
| Cost of funding earning assets | 0.2309% | 4,730 |
| Net interest margin | 3.3638% | 3,946 |
| Noninterest income to average assets | 0.6581% | 2,378 |
| Noninterest expense to average assets | 2.7207% | 3,276 |
| Loan and lease loss provision to assets | 0.1444% | 1,733 |
| Net operating income to assets | 0.8857% | 2,903 |
| Return on assets (ROA) | 0.8857% | 3,021 |
| Pretax return on assets | 0.8857% | 3,892 |
| Return on Equity (ROE) | 9.1636% | 2,338 |
| Retained earnings to average equity (ytd only) | 4.0239% | 3,052 |
| Net charge-offs to loans | 0.1785% | 1,539 |
| Credit loss provision to net charge-offs | 141.6667% | 1,931 |
| Earnings coverage of net charge-offs (x) | 10.1083% | 2,674 |
| Efficiency ratio | 72.5379% | 2,498 |
| Assets per employee ($millions) | 3.8236% | 4,261 |
| Cash dividends to net income (ytd only)* | 56.0882% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,968 |
| Loan loss allowance to noncurrent loans | 367.4825% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 4,118 |
| Noncurrent loans to loans | 0.3888% | 3,751 |
| Net loans and leases to total assets | 61.1700% | 3,705 |
| Net loans and leases to deposits | 68.2140% | 4,070 |
| Net loans and leases to core deposits | 69.8274% | 4,257 |
| Total domestic deposits to total assets | 89.6737% | 780 |
| Equity capital to assets | 9.7003% | 4,071 |
| Core capital (leverage) ratio | 9.8039% | 3,743 |
| Tier 1 risk-based capital ratio | 15.9661% | 2,560 |
| Total risk-based capital ratio | 17.2188% | 2,495 |
| Memoranda: | ||
| Average total assets | $117,765,000 | 4,032 |
| Average earning assets | $108,268,800 | 4,036 |
| Average equity | $11,382,000 | 4,359 |
| Average total loans | $67,244,800 | 4,107 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,726 |
| Cost of funding earning assets | 0.2265% | 4,819 |
| Net interest margin | 3.3064% | 4,169 |
| Noninterest income to average assets | 0.6192% | 2,570 |
| Noninterest expense to average assets | 2.7579% | 3,152 |
| Loan and lease loss provision to assets | 0.1134% | 2,038 |
| Net operating income to assets | 0.7938% | 3,396 |
| Return on assets (ROA) | 0.7938% | 3,537 |
| Pretax return on assets | 0.7938% | 4,329 |
| Return on Equity (ROE) | 8.2208% | 2,894 |
| Retained earnings to average equity (ytd only) | 4.2279% | 3,315 |
| Net charge-offs to loans | 0.1299% | 1,665 |
| Credit loss provision to net charge-offs | 156.2500% | 1,728 |
| Earnings coverage of net charge-offs (x) | 12.5002% | 2,382 |
| Efficiency ratio | 75.2475% | 2,069 |
| Assets per employee ($millions) | 3.8455% | 4,225 |
| Cash dividends to net income (ytd only)* | 48.5712% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,920 |
| Loan loss allowance to noncurrent loans | 498.5577% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 4,522 |
| Noncurrent loans to loans | 0.2933% | 4,206 |
| Net loans and leases to total assets | 60.5681% | 3,809 |
| Net loans and leases to deposits | 67.9005% | 4,165 |
| Net loans and leases to core deposits | 69.5585% | 4,359 |
| Total domestic deposits to total assets | 89.2013% | 800 |
| Equity capital to assets | 10.0177% | 4,112 |
| Core capital (leverage) ratio | 9.8444% | 3,758 |
| Tier 1 risk-based capital ratio | 18.3190% | 1,826 |
| Total risk-based capital ratio | 19.5734% | 1,797 |
| Memoranda: | ||
| Average total assets | $117,573,250 | 4,060 |
| Average earning assets | $108,313,250 | 4,061 |
| Average equity | $11,353,000 | 4,404 |
| Average total loans | $65,666,750 | 4,177 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4616% | 4,960 |
| Cost of funding earning assets | 0.2252% | 4,885 |
| Net interest margin | 3.2364% | 4,421 |
| Noninterest income to average assets | 0.6170% | 2,525 |
| Noninterest expense to average assets | 2.7994% | 3,031 |
| Loan and lease loss provision to assets | 0.0727% | 2,681 |
| Net operating income to assets | 0.7337% | 3,634 |
| Return on assets (ROA) | 0.7337% | 3,796 |
| Pretax return on assets | 0.7337% | 4,521 |
| Return on Equity (ROE) | 7.6916% | 3,152 |
| Retained earnings to average equity (ytd only) | 3.6154% | 3,591 |
| Net charge-offs to loans | 0.0595% | 2,341 |
| Credit loss provision to net charge-offs | 226.3158% | 1,192 |
| Earnings coverage of net charge-offs (x) | 25.1053% | 1,519 |
| Efficiency ratio | 77.6371% | 1,846 |
| Assets per employee ($millions) | 3.8877% | 4,107 |
| Cash dividends to net income (ytd only)* | 52.9954% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 1,623 |
| Loan loss allowance to noncurrent loans | 293.6963% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 4,096 |
| Noncurrent loans to loans | 0.5340% | 3,475 |
| Net loans and leases to total assets | 55.1556% | 4,399 |
| Net loans and leases to deposits | 61.6310% | 4,687 |
| Net loans and leases to core deposits | 63.1261% | 4,801 |
| Total domestic deposits to total assets | 89.4933% | 686 |
| Equity capital to assets | 9.7694% | 4,490 |
| Core capital (leverage) ratio | 9.6201% | 4,038 |
| Tier 1 risk-based capital ratio | 17.2504% | 2,143 |
| Total risk-based capital ratio | 18.5045% | 2,107 |
| Memoranda: | ||
| Average total assets | $118,309,000 | 4,082 |
| Average earning assets | $109,256,000 | 4,073 |
| Average equity | $11,285,000 | 4,440 |
| Average total loans | $63,918,330 | 4,238 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4103% | 5,109 |
| Cost of funding earning assets | 0.2206% | 4,996 |
| Net interest margin | 3.1897% | 4,617 |
| Noninterest income to average assets | 0.6076% | 2,485 |
| Noninterest expense to average assets | 2.8469% | 2,899 |
| Loan and lease loss provision to assets | 0.0839% | 2,273 |
| Net operating income to assets | 0.6379% | 4,031 |
| Return on assets (ROA) | 0.6379% | 4,149 |
| Pretax return on assets | 0.6379% | 4,708 |
| Return on Equity (ROE) | 6.7673% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.7673% | 1,997 |
| Net charge-offs to loans | 0.0570% | 1,946 |
| Credit loss provision to net charge-offs | 277.7778% | 893 |
| Earnings coverage of net charge-offs (x) | 23.8889% | 1,348 |
| Efficiency ratio | 79.7742% | 1,638 |
| Assets per employee ($millions) | 4.0005% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,665 |
| Loan loss allowance to noncurrent loans | 511.0553% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 4,702 |
| Noncurrent loans to loans | 0.3096% | 4,319 |
| Net loans and leases to total assets | 52.7034% | 4,557 |
| Net loans and leases to deposits | 58.6639% | 4,805 |
| Net loans and leases to core deposits | 59.8790% | 4,947 |
| Total domestic deposits to total assets | 89.8396% | 658 |
| Equity capital to assets | 9.4696% | 4,694 |
| Core capital (leverage) ratio | 9.5336% | 4,127 |
| Tier 1 risk-based capital ratio | 17.7770% | 2,047 |
| Total risk-based capital ratio | 19.0316% | 2,008 |
| Memoranda: | ||
| Average total assets | $119,148,500 | 4,093 |
| Average earning assets | $110,606,500 | 4,081 |
| Average equity | $11,230,500 | 4,465 |
| Average total loans | $63,201,000 | 4,281 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4060% | 5,143 |
| Cost of funding earning assets | 0.2384% | 4,912 |
| Net interest margin | 3.1676% | 4,724 |
| Noninterest income to average assets | 0.8351% | 1,656 |
| Noninterest expense to average assets | 2.8456% | 3,053 |
| Loan and lease loss provision to assets | 0.1312% | 1,823 |
| Net operating income to assets | 0.7634% | 3,509 |
| Return on assets (ROA) | 0.7634% | 3,595 |
| Pretax return on assets | 0.7634% | 4,322 |
| Return on Equity (ROE) | 7.9652% | 2,979 |
| Retained earnings to average equity (ytd only) | 2.7189% | 4,133 |
| Net charge-offs to loans | 0.1654% | 1,711 |
| Credit loss provision to net charge-offs | 151.5152% | 1,758 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 2,697 |
| Efficiency ratio | 76.0814% | 2,258 |
| Assets per employee ($millions) | 3.8155% | 4,260 |
| Cash dividends to net income (ytd only)* | 65.8648% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 1,580 |
| Loan loss allowance to noncurrent loans | 278.0556% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 4,027 |
| Noncurrent loans to loans | 0.5794% | 3,431 |
| Net loans and leases to total assets | 51.6833% | 4,720 |
| Net loans and leases to deposits | 57.4516% | 4,949 |
| Net loans and leases to core deposits | 58.8096% | 5,057 |
| Total domestic deposits to total assets | 89.9596% | 644 |
| Equity capital to assets | 9.3810% | 4,697 |
| Core capital (leverage) ratio | 9.5688% | 4,086 |
| Tier 1 risk-based capital ratio | 17.9469% | 1,980 |
| Total risk-based capital ratio | 19.2011% | 1,937 |
| Memoranda: | ||
| Average total assets | $114,352,800 | 4,171 |
| Average earning assets | $104,873,400 | 4,166 |
| Average equity | $10,960,200 | 4,488 |
| Average total loans | $59,845,000 | 4,383 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4296% | 5,138 |
| Cost of funding earning assets | 0.2393% | 4,999 |
| Net interest margin | 3.1903% | 4,703 |
| Noninterest income to average assets | 0.6363% | 2,548 |
| Noninterest expense to average assets | 2.8390% | 3,041 |
| Loan and lease loss provision to assets | 0.0882% | 2,394 |
| Net operating income to assets | 0.6257% | 4,261 |
| Return on assets (ROA) | 0.6257% | 4,372 |
| Pretax return on assets | 0.6257% | 4,907 |
| Return on Equity (ROE) | 6.4919% | 3,915 |
| Retained earnings to average equity (ytd only) | 1.9158% | 4,927 |
| Net charge-offs to loans | 0.0585% | 2,767 |
| Credit loss provision to net charge-offs | 288.4615% | 996 |
| Earnings coverage of net charge-offs (x) | 23.3432% | 1,738 |
| Efficiency ratio | 79.9073% | 1,670 |
| Assets per employee ($millions) | 3.9538% | 3,965 |
| Cash dividends to net income (ytd only)* | 70.4886% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 1,452 |
| Loan loss allowance to noncurrent loans | 375.5639% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 4,478 |
| Noncurrent loans to loans | 0.4549% | 3,991 |
| Net loans and leases to total assets | 50.1278% | 4,923 |
| Net loans and leases to deposits | 55.9354% | 5,130 |
| Net loans and leases to core deposits | 57.4586% | 5,225 |
| Total domestic deposits to total assets | 89.6172% | 722 |
| Equity capital to assets | 9.5970% | 4,640 |
| Core capital (leverage) ratio | 9.5121% | 4,287 |
| Tier 1 risk-based capital ratio | 19.3335% | 1,697 |
| Total risk-based capital ratio | 20.5891% | 1,668 |
| Memoranda: | ||
| Average total assets | $113,370,500 | 4,237 |
| Average earning assets | $103,645,000 | 4,246 |
| Average equity | $10,926,250 | 4,550 |
| Average total loans | $59,273,000 | 4,444 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4311% | 5,160 |
| Cost of funding earning assets | 0.2444% | 5,002 |
| Net interest margin | 3.1867% | 4,702 |
| Noninterest income to average assets | 0.6375% | 2,540 |
| Noninterest expense to average assets | 2.8493% | 3,068 |
| Loan and lease loss provision to assets | 0.1063% | 2,059 |
| Net operating income to assets | 0.5915% | 4,389 |
| Return on assets (ROA) | 0.5915% | 4,478 |
| Pretax return on assets | 0.5915% | 4,997 |
| Return on Equity (ROE) | 6.1283% | 4,068 |
| Retained earnings to average equity (ytd only) | 1.2660% | 5,045 |
| Net charge-offs to loans | 0.0974% | 2,041 |
| Credit loss provision to net charge-offs | 206.8966% | 1,200 |
| Earnings coverage of net charge-offs (x) | 13.5862% | 2,120 |
| Efficiency ratio | 80.3295% | 1,709 |
| Assets per employee ($millions) | 4.1121% | 3,657 |
| Cash dividends to net income (ytd only)* | 79.3413% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 1,738 |
| Loan loss allowance to noncurrent loans | 324.8344% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 4,245 |
| Noncurrent loans to loans | 0.5088% | 3,933 |
| Net loans and leases to total assets | 50.7013% | 4,870 |
| Net loans and leases to deposits | 56.4738% | 5,093 |
| Net loans and leases to core deposits | 57.9568% | 5,197 |
| Total domestic deposits to total assets | 89.7784% | 756 |
| Equity capital to assets | 9.4512% | 4,712 |
| Core capital (leverage) ratio | 9.4030% | 4,413 |
| Tier 1 risk-based capital ratio | 18.3903% | 1,953 |
| Total risk-based capital ratio | 19.6451% | 1,918 |
| Memoranda: | ||
| Average total assets | $112,940,330 | 4,278 |
| Average earning assets | $103,116,000 | 4,295 |
| Average equity | $10,900,330 | 4,578 |
| Average total loans | $59,538,670 | 4,481 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5167% | 4,910 |
| Cost of funding earning assets | 0.2464% | 5,059 |
| Net interest margin | 3.2703% | 4,344 |
| Noninterest income to average assets | 0.6688% | 2,311 |
| Noninterest expense to average assets | 2.9435% | 2,766 |
| Loan and lease loss provision to assets | 0.1073% | 1,918 |
| Net operating income to assets | 0.6080% | 4,250 |
| Return on assets (ROA) | 0.6080% | 4,343 |
| Pretax return on assets | 0.6080% | 4,897 |
| Return on Equity (ROE) | 6.2331% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.2331% | 2,364 |
| Net charge-offs to loans | 0.1006% | 1,718 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,732 |
| Efficiency ratio | 80.4497% | 1,838 |
| Assets per employee ($millions) | 3.9071% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,798 |
| Loan loss allowance to noncurrent loans | 197.3415% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 4,098 |
| Noncurrent loans to loans | 0.8496% | 3,121 |
| Net loans and leases to total assets | 49.9475% | 4,856 |
| Net loans and leases to deposits | 55.7686% | 5,065 |
| Net loans and leases to core deposits | 57.4069% | 5,160 |
| Total domestic deposits to total assets | 89.5620% | 960 |
| Equity capital to assets | 9.7020% | 4,509 |
| Core capital (leverage) ratio | 9.9222% | 3,710 |
| Tier 1 risk-based capital ratio | 19.9284% | 1,641 |
| Total risk-based capital ratio | 21.1847% | 1,602 |
| Memoranda: | ||
| Average total assets | $111,841,000 | 4,333 |
| Average earning assets | $102,255,000 | 4,338 |
| Average equity | $10,909,500 | 4,614 |
| Average total loans | $59,629,000 | 4,502 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 5,020 |
| Cost of funding earning assets | 0.2757% | 5,044 |
| Net interest margin | 3.3474% | 4,411 |
| Noninterest income to average assets | 0.7390% | 2,126 |
| Noninterest expense to average assets | 2.7383% | 3,720 |
| Loan and lease loss provision to assets | 0.1820% | 1,413 |
| Net operating income to assets | 0.8615% | 3,056 |
| Return on assets (ROA) | 0.8615% | 3,154 |
| Pretax return on assets | 0.8615% | 4,030 |
| Return on Equity (ROE) | 8.8913% | 2,640 |
| Retained earnings to average equity (ytd only) | 3.6056% | 3,651 |
| Net charge-offs to loans | 0.2477% | 1,731 |
| Credit loss provision to net charge-offs | 133.5570% | 1,776 |
| Earnings coverage of net charge-offs (x) | 7.6577% | 2,997 |
| Efficiency ratio | 72.4063% | 3,134 |
| Assets per employee ($millions) | 3.4492% | 4,980 |
| Cash dividends to net income (ytd only)* | 59.4480% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 2,297 |
| Loan loss allowance to noncurrent loans | 295.9502% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 4,582 |
| Noncurrent loans to loans | 0.5203% | 4,110 |
| Net loans and leases to total assets | 55.0387% | 4,448 |
| Net loans and leases to deposits | 61.5273% | 4,762 |
| Net loans and leases to core deposits | 63.3991% | 4,881 |
| Total domestic deposits to total assets | 89.4541% | 990 |
| Equity capital to assets | 9.8084% | 4,341 |
| Core capital (leverage) ratio | 9.7593% | 3,888 |
| Tier 1 risk-based capital ratio | 15.9432% | 2,990 |
| Total risk-based capital ratio | 17.1946% | 2,938 |
| Memoranda: | ||
| Average total assets | $109,339,400 | 4,393 |
| Average earning assets | $99,390,600 | 4,408 |
| Average equity | $10,594,600 | 4,637 |
| Average total loans | $60,152,000 | 4,483 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6199% | 5,094 |
| Cost of funding earning assets | 0.2760% | 5,141 |
| Net interest margin | 3.3440% | 4,454 |
| Noninterest income to average assets | 0.6723% | 2,466 |
| Noninterest expense to average assets | 2.7820% | 3,532 |
| Loan and lease loss provision to assets | 0.1381% | 1,808 |
| Net operating income to assets | 0.7884% | 3,473 |
| Return on assets (ROA) | 0.7884% | 3,580 |
| Pretax return on assets | 0.7884% | 4,401 |
| Return on Equity (ROE) | 8.1617% | 3,124 |
| Retained earnings to average equity (ytd only) | 1.6450% | 5,226 |
| Net charge-offs to loans | 0.1629% | 2,171 |
| Credit loss provision to net charge-offs | 154.7945% | 1,538 |
| Earnings coverage of net charge-offs (x) | 10.3836% | 2,549 |
| Efficiency ratio | 75.0165% | 2,660 |
| Assets per employee ($millions) | 2.8006% | 5,964 |
| Cash dividends to net income (ytd only)* | 79.8449% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 2,298 |
| Loan loss allowance to noncurrent loans | 161.2350% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 3,988 |
| Noncurrent loans to loans | 0.9931% | 3,088 |
| Net loans and leases to total assets | 52.8867% | 4,712 |
| Net loans and leases to deposits | 59.1249% | 5,010 |
| Net loans and leases to core deposits | 61.3725% | 5,083 |
| Total domestic deposits to total assets | 89.4492% | 1,007 |
| Equity capital to assets | 9.6673% | 4,586 |
| Core capital (leverage) ratio | 9.5864% | 4,268 |
| Tier 1 risk-based capital ratio | 18.5096% | 2,047 |
| Total risk-based capital ratio | 19.7654% | 2,011 |
| Memoranda: | ||
| Average total assets | $109,080,500 | 4,440 |
| Average earning assets | $99,041,500 | 4,459 |
| Average equity | $10,536,750 | 4,681 |
| Average total loans | $59,765,250 | 4,534 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 5,114 |
| Cost of funding earning assets | 0.2745% | 5,242 |
| Net interest margin | 3.3380% | 4,448 |
| Noninterest income to average assets | 0.6640% | 2,465 |
| Noninterest expense to average assets | 2.7496% | 3,703 |
| Loan and lease loss provision to assets | 0.1339% | 1,847 |
| Net operating income to assets | 0.8144% | 3,258 |
| Return on assets (ROA) | 0.8144% | 3,362 |
| Pretax return on assets | 0.8144% | 4,215 |
| Return on Equity (ROE) | 8.4336% | 2,876 |
| Retained earnings to average equity (ytd only) | 1.7855% | 4,998 |
| Net charge-offs to loans | 0.1530% | 2,168 |
| Credit loss provision to net charge-offs | 158.6957% | 1,405 |
| Earnings coverage of net charge-offs (x) | 11.2391% | 2,179 |
| Efficiency ratio | 74.3552% | 2,914 |
| Assets per employee ($millions) | 2.8572% | 5,950 |
| Cash dividends to net income (ytd only)* | 78.8288% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 2,558 |
| Loan loss allowance to noncurrent loans | 141.5267% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 3,941 |
| Noncurrent loans to loans | 1.1133% | 2,994 |
| Net loans and leases to total assets | 53.3333% | 4,615 |
| Net loans and leases to deposits | 59.6264% | 4,895 |
| Net loans and leases to core deposits | 61.4533% | 5,014 |
| Total domestic deposits to total assets | 89.4457% | 1,120 |
| Equity capital to assets | 9.6903% | 4,506 |
| Core capital (leverage) ratio | 9.6419% | 4,121 |
| Tier 1 risk-based capital ratio | 18.4289% | 2,093 |
| Total risk-based capital ratio | 19.6835% | 2,048 |
| Memoranda: | ||
| Average total assets | $109,032,670 | 4,464 |
| Average earning assets | $99,100,330 | 4,489 |
| Average equity | $10,529,330 | 4,698 |
| Average total loans | $60,118,670 | 4,547 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 4,995 |
| Cost of funding earning assets | 0.2826% | 5,250 |
| Net interest margin | 3.3714% | 4,255 |
| Noninterest income to average assets | 0.6663% | 2,366 |
| Noninterest expense to average assets | 2.7127% | 3,896 |
| Loan and lease loss provision to assets | 0.1208% | 1,982 |
| Net operating income to assets | 0.8896% | 2,702 |
| Return on assets (ROA) | 0.8896% | 2,767 |
| Pretax return on assets | 0.8896% | 3,738 |
| Return on Equity (ROE) | 9.2277% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.2277% | 1,184 |
| Net charge-offs to loans | 0.1251% | 1,969 |
| Credit loss provision to net charge-offs | 173.6842% | 1,144 |
| Earnings coverage of net charge-offs (x) | 14.5263% | 1,598 |
| Efficiency ratio | 72.8614% | 3,328 |
| Assets per employee ($millions) | 2.9425% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 3,047 |
| Loan loss allowance to noncurrent loans | 101.7817% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8781% | 3,539 |
| Noncurrent loans to loans | 1.4971% | 2,544 |
| Net loans and leases to total assets | 54.2550% | 4,378 |
| Net loans and leases to deposits | 60.7102% | 4,689 |
| Net loans and leases to core deposits | 62.5641% | 4,821 |
| Total domestic deposits to total assets | 89.3672% | 1,433 |
| Equity capital to assets | 9.8052% | 4,105 |
| Core capital (leverage) ratio | 9.8840% | 3,739 |
| Tier 1 risk-based capital ratio | 18.1765% | 2,219 |
| Total risk-based capital ratio | 19.4307% | 2,187 |
| Memoranda: | ||
| Average total assets | $109,263,000 | 4,500 |
| Average earning assets | $99,067,500 | 4,537 |
| Average equity | $10,533,500 | 4,722 |
| Average total loans | $60,762,000 | 4,561 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6048% | 5,393 |
| Cost of funding earning assets | 0.3103% | 5,517 |
| Net interest margin | 3.2944% | 4,687 |
| Noninterest income to average assets | 0.7953% | 2,098 |
| Noninterest expense to average assets | 2.4905% | 4,790 |
| Loan and lease loss provision to assets | 0.1527% | 2,369 |
| Net operating income to assets | 1.1625% | 1,712 |
| Return on assets (ROA) | 1.1625% | 1,770 |
| Pretax return on assets | 1.1625% | 2,720 |
| Return on Equity (ROE) | 12.4050% | 1,306 |
| Retained earnings to average equity (ytd only) | 4.7913% | 2,737 |
| Net charge-offs to loans | 0.2032% | 2,845 |
| Credit loss provision to net charge-offs | 141.1765% | 1,652 |
| Earnings coverage of net charge-offs (x) | 12.1597% | 2,159 |
| Efficiency ratio | 65.4406% | 4,668 |
| Assets per employee ($millions) | 2.9636% | 5,890 |
| Cash dividends to net income (ytd only)* | 61.3761% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 3,365 |
| Loan loss allowance to noncurrent loans | 107.1429% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8189% | 3,841 |
| Noncurrent loans to loans | 1.3649% | 2,856 |
| Net loans and leases to total assets | 55.3025% | 4,417 |
| Net loans and leases to deposits | 61.6174% | 4,762 |
| Net loans and leases to core deposits | 63.2894% | 4,942 |
| Total domestic deposits to total assets | 89.7515% | 1,209 |
| Equity capital to assets | 9.4770% | 4,455 |
| Core capital (leverage) ratio | 9.5853% | 4,134 |
| Tier 1 risk-based capital ratio | 17.5825% | 2,380 |
| Total risk-based capital ratio | 18.8358% | 2,359 |
| Memoranda: | ||
| Average total assets | $110,018,000 | 4,500 |
| Average earning assets | $100,534,000 | 4,497 |
| Average equity | $10,310,400 | 4,783 |
| Average total loans | $58,550,200 | 4,662 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5613% | 5,549 |
| Cost of funding earning assets | 0.3088% | 5,655 |
| Net interest margin | 3.2525% | 4,815 |
| Noninterest income to average assets | 0.6817% | 2,728 |
| Noninterest expense to average assets | 2.4642% | 4,825 |
| Loan and lease loss provision to assets | 0.0981% | 3,124 |
| Net operating income to assets | 1.0910% | 2,037 |
| Return on assets (ROA) | 1.0910% | 2,118 |
| Pretax return on assets | 1.0910% | 3,150 |
| Return on Equity (ROE) | 11.6744% | 1,585 |
| Retained earnings to average equity (ytd only) | 7.7873% | 1,502 |
| Net charge-offs to loans | 0.1015% | 3,530 |
| Credit loss provision to net charge-offs | 184.0909% | 1,313 |
| Earnings coverage of net charge-offs (x) | 22.3163% | 1,503 |
| Efficiency ratio | 67.4511% | 4,195 |
| Assets per employee ($millions) | 2.9019% | 6,008 |
| Cash dividends to net income (ytd only)* | 33.2964% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 3,663 |
| Loan loss allowance to noncurrent loans | 123.8494% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 4,300 |
| Noncurrent loans to loans | 1.1746% | 3,470 |
| Net loans and leases to total assets | 56.0263% | 4,320 |
| Net loans and leases to deposits | 62.7396% | 4,657 |
| Net loans and leases to core deposits | 64.4994% | 4,850 |
| Total domestic deposits to total assets | 89.2997% | 1,407 |
| Equity capital to assets | 9.7782% | 4,211 |
| Core capital (leverage) ratio | 9.7181% | 4,078 |
| Tier 1 risk-based capital ratio | 17.2089% | 2,623 |
| Total risk-based capital ratio | 18.4608% | 2,588 |
| Memoranda: | ||
| Average total assets | $110,108,750 | 4,533 |
| Average earning assets | $100,596,750 | 4,540 |
| Average equity | $10,290,000 | 4,834 |
| Average total loans | $57,802,250 | 4,740 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 5,648 |
| Cost of funding earning assets | 0.3223% | 5,640 |
| Net interest margin | 3.2010% | 4,945 |
| Noninterest income to average assets | 0.6791% | 2,740 |
| Noninterest expense to average assets | 2.3383% | 5,248 |
| Loan and lease loss provision to assets | 0.0540% | 3,913 |
| Net operating income to assets | 1.2034% | 1,587 |
| Return on assets (ROA) | 1.2034% | 1,690 |
| Pretax return on assets | 1.2034% | 2,661 |
| Return on Equity (ROE) | 13.0720% | 1,229 |
| Retained earnings to average equity (ytd only) | 9.1582% | 1,071 |
| Net charge-offs to loans | 0.0035% | 4,851 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 698.0000% | 59 |
| Efficiency ratio | 65.0301% | 4,705 |
| Assets per employee ($millions) | 3.0626% | 5,742 |
| Cash dividends to net income (ytd only)* | 29.9401% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 3,514 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 5,364 |
| Noncurrent loans to loans | 0.6065% | 4,737 |
| Net loans and leases to total assets | 51.8407% | 4,880 |
| Net loans and leases to deposits | 57.7705% | 5,178 |
| Net loans and leases to core deposits | 59.4741% | 5,307 |
| Total domestic deposits to total assets | 89.7356% | 1,183 |
| Equity capital to assets | 9.4118% | 4,702 |
| Core capital (leverage) ratio | 9.4716% | 4,289 |
| Tier 1 risk-based capital ratio | 15.6453% | 3,398 |
| Total risk-based capital ratio | 16.8960% | 3,345 |
| Memoranda: | ||
| Average total assets | $111,021,330 | 4,556 |
| Average earning assets | $101,155,330 | 4,544 |
| Average equity | $10,220,330 | 4,889 |
| Average total loans | $56,721,670 | 4,794 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 5,856 |
| Cost of funding earning assets | 0.3357% | 5,670 |
| Net interest margin | 3.1045% | 5,248 |
| Noninterest income to average assets | 0.6463% | 2,894 |
| Noninterest expense to average assets | 2.5457% | 4,586 |
| Loan and lease loss provision to assets | 0.0395% | 3,937 |
| Net operating income to assets | 0.8833% | 2,734 |
| Return on assets (ROA) | 0.8833% | 2,878 |
| Pretax return on assets | 0.8833% | 3,821 |
| Return on Equity (ROE) | 9.7022% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.7022% | 1,189 |
| Net charge-offs to loans | 0.0143% | 3,861 |
| Credit loss provision to net charge-offs | 550.0000% | 488 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 301 |
| Efficiency ratio | 73.3954% | 3,371 |
| Assets per employee ($millions) | 3.0622% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 3,787 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 5,274 |
| Noncurrent loans to loans | 0.7547% | 4,616 |
| Net loans and leases to total assets | 50.9044% | 4,862 |
| Net loans and leases to deposits | 56.6371% | 5,177 |
| Net loans and leases to core deposits | 58.1386% | 5,337 |
| Total domestic deposits to total assets | 89.8783% | 1,123 |
| Equity capital to assets | 9.2962% | 5,137 |
| Core capital (leverage) ratio | 9.1871% | 4,588 |
| Tier 1 risk-based capital ratio | 18.2893% | 2,263 |
| Total risk-based capital ratio | 19.5439% | 2,227 |
| Memoranda: | ||
| Average total assets | $111,404,500 | 4,590 |
| Average earning assets | $101,273,000 | 4,585 |
| Average equity | $10,142,000 | 4,959 |
| Average total loans | $56,064,000 | 4,856 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 6,082 |
| Cost of funding earning assets | 0.4400% | 5,651 |
| Net interest margin | 3.2422% | 5,452 |
| Noninterest income to average assets | 0.7095% | 2,675 |
| Noninterest expense to average assets | 2.8360% | 3,889 |
| Loan and lease loss provision to assets | 0.0909% | 4,549 |
| Net operating income to assets | 0.7179% | 3,653 |
| Return on assets (ROA) | 0.7179% | 3,912 |
| Pretax return on assets | 0.7179% | 4,606 |
| Return on Equity (ROE) | 7.8109% | 3,178 |
| Retained earnings to average equity (ytd only) | 3.7321% | 3,591 |
| Net charge-offs to loans | 0.0851% | 4,831 |
| Credit loss provision to net charge-offs | 210.8696% | 1,206 |
| Earnings coverage of net charge-offs (x) | 18.7609% | 1,423 |
| Efficiency ratio | 77.8092% | 2,476 |
| Assets per employee ($millions) | 3.1270% | 5,795 |
| Cash dividends to net income (ytd only)* | 52.2193% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 3,558 |
| Loan loss allowance to noncurrent loans | 192.5339% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 5,387 |
| Noncurrent loans to loans | 0.8014% | 4,586 |
| Net loans and leases to total assets | 48.2371% | 5,386 |
| Net loans and leases to deposits | 53.4175% | 5,707 |
| Net loans and leases to core deposits | 54.8550% | 5,811 |
| Total domestic deposits to total assets | 90.3021% | 804 |
| Equity capital to assets | 8.9153% | 5,614 |
| Core capital (leverage) ratio | 8.7778% | 5,211 |
| Tier 1 risk-based capital ratio | 18.5539% | 2,087 |
| Total risk-based capital ratio | 19.8076% | 2,052 |
| Memoranda: | ||
| Average total assets | $106,698,800 | 4,661 |
| Average earning assets | $96,600,400 | 4,675 |
| Average equity | $9,806,800 | 5,022 |
| Average total loans | $54,058,400 | 4,938 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 6,116 |
| Cost of funding earning assets | 0.4641% | 5,690 |
| Net interest margin | 3.2921% | 5,417 |
| Noninterest income to average assets | 0.5968% | 3,297 |
| Noninterest expense to average assets | 2.9534% | 3,396 |
| Loan and lease loss provision to assets | 0.0849% | 4,550 |
| Net operating income to assets | 0.5334% | 4,690 |
| Return on assets (ROA) | 0.5334% | 4,962 |
| Pretax return on assets | 0.5334% | 5,369 |
| Return on Equity (ROE) | 5.7574% | 4,459 |
| Retained earnings to average equity (ytd only) | 2.6804% | 4,954 |
| Net charge-offs to loans | 0.0669% | 4,747 |
| Credit loss provision to net charge-offs | 248.1481% | 1,117 |
| Earnings coverage of net charge-offs (x) | 18.0736% | 1,586 |
| Efficiency ratio | 82.6889% | 1,738 |
| Assets per employee ($millions) | 3.2026% | 5,632 |
| Cash dividends to net income (ytd only)* | 53.4437% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 3,613 |
| Loan loss allowance to noncurrent loans | 189.6163% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 5,590 |
| Noncurrent loans to loans | 0.8321% | 4,751 |
| Net loans and leases to total assets | 45.4495% | 5,823 |
| Net loans and leases to deposits | 50.1680% | 6,095 |
| Net loans and leases to core deposits | 51.4790% | 6,215 |
| Total domestic deposits to total assets | 90.5946% | 563 |
| Equity capital to assets | 8.5702% | 6,199 |
| Core capital (leverage) ratio | 8.6570% | 5,542 |
| Tier 1 risk-based capital ratio | 18.4969% | 2,169 |
| Total risk-based capital ratio | 19.7517% | 2,132 |
| Memoranda: | ||
| Average total assets | $105,230,750 | 4,744 |
| Average earning assets | $95,093,500 | 4,768 |
| Average equity | $9,749,500 | 5,091 |
| Average total loans | $53,785,000 | 5,001 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8518% | 6,027 |
| Cost of funding earning assets | 0.5065% | 5,573 |
| Net interest margin | 3.3453% | 5,284 |
| Noninterest income to average assets | 0.6184% | 3,137 |
| Noninterest expense to average assets | 3.0056% | 3,240 |
| Loan and lease loss provision to assets | 0.0923% | 4,410 |
| Net operating income to assets | 0.5418% | 4,619 |
| Return on assets (ROA) | 0.5418% | 4,899 |
| Pretax return on assets | 0.5418% | 5,329 |
| Return on Equity (ROE) | 5.6874% | 4,484 |
| Retained earnings to average equity (ytd only) | 2.5964% | 4,890 |
| Net charge-offs to loans | 0.0815% | 4,329 |
| Credit loss provision to net charge-offs | 213.6364% | 1,324 |
| Earnings coverage of net charge-offs (x) | 14.6818% | 1,695 |
| Efficiency ratio | 82.5782% | 1,802 |
| Assets per employee ($millions) | 3.0111% | 6,042 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 3,814 |
| Loan loss allowance to noncurrent loans | 175.5319% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 5,500 |
| Noncurrent loans to loans | 0.8791% | 4,735 |
| Net loans and leases to total assets | 49.9488% | 5,360 |
| Net loans and leases to deposits | 55.5877% | 5,695 |
| Net loans and leases to core deposits | 57.3456% | 5,826 |
| Total domestic deposits to total assets | 89.8558% | 1,010 |
| Equity capital to assets | 9.2618% | 5,374 |
| Core capital (leverage) ratio | 9.4418% | 4,225 |
| Tier 1 risk-based capital ratio | 19.1508% | 1,924 |
| Total risk-based capital ratio | 20.4058% | 1,904 |
| Memoranda: | ||
| Average total assets | $101,876,000 | 4,857 |
| Average earning assets | $92,010,000 | 4,869 |
| Average equity | $9,705,670 | 5,107 |
| Average total loans | $53,966,330 | 5,031 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 6,046 |
| Cost of funding earning assets | 0.5045% | 5,787 |
| Net interest margin | 3.3813% | 5,194 |
| Noninterest income to average assets | 0.6752% | 2,780 |
| Noninterest expense to average assets | 2.9844% | 3,311 |
| Loan and lease loss provision to assets | 0.0799% | 4,398 |
| Net operating income to assets | 0.6632% | 4,064 |
| Return on assets (ROA) | 0.6632% | 4,277 |
| Pretax return on assets | 0.6632% | 4,902 |
| Return on Equity (ROE) | 6.8609% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.8609% | 2,499 |
| Net charge-offs to loans | 0.1402% | 3,257 |
| Credit loss provision to net charge-offs | 105.2632% | 2,194 |
| Earnings coverage of net charge-offs (x) | 9.7895% | 1,809 |
| Efficiency ratio | 80.0643% | 2,198 |
| Assets per employee ($millions) | 2.7689% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 4,290 |
| Loan loss allowance to noncurrent loans | 182.0455% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 5,603 |
| Noncurrent loans to loans | 0.8080% | 5,058 |
| Net loans and leases to total assets | 53.8242% | 4,752 |
| Net loans and leases to deposits | 60.2947% | 5,113 |
| Net loans and leases to core deposits | 62.4754% | 5,280 |
| Total domestic deposits to total assets | 89.2687% | 1,503 |
| Equity capital to assets | 9.7903% | 4,395 |
| Core capital (leverage) ratio | 9.8203% | 3,611 |
| Tier 1 risk-based capital ratio | 18.5603% | 2,127 |
| Total risk-based capital ratio | 19.8135% | 2,092 |
| Memoranda: | ||
| Average total assets | $100,119,000 | 4,933 |
| Average earning assets | $90,380,000 | 4,955 |
| Average equity | $9,678,000 | 5,124 |
| Average total loans | $54,216,500 | 5,058 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 6,410 |
| Cost of funding earning assets | 0.7367% | 5,297 |
| Net interest margin | 3.2880% | 5,847 |
| Noninterest income to average assets | 0.6907% | 2,660 |
| Noninterest expense to average assets | 3.2502% | 2,691 |
| Loan and lease loss provision to assets | 0.1116% | 5,193 |
| Net operating income to assets | 0.2946% | 5,277 |
| Return on assets (ROA) | 0.2946% | 5,430 |
| Pretax return on assets | 0.2946% | 5,569 |
| Return on Equity (ROE) | 3.0464% | 5,264 |
| Retained earnings to average equity (ytd only) | 1.2789% | 5,255 |
| Net charge-offs to loans | 0.1123% | 5,252 |
| Credit loss provision to net charge-offs | 181.9672% | 1,420 |
| Earnings coverage of net charge-offs (x) | 6.6230% | 2,478 |
| Efficiency ratio | 88.8919% | 1,283 |
| Assets per employee ($millions) | 2.7933% | 6,466 |
| Cash dividends to net income (ytd only)* | 58.0205% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 4,103 |
| Loan loss allowance to noncurrent loans | 164.2710% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 5,442 |
| Noncurrent loans to loans | 0.9022% | 4,878 |
| Net loans and leases to total assets | 52.8849% | 5,182 |
| Net loans and leases to deposits | 59.0574% | 5,594 |
| Net loans and leases to core deposits | 61.4081% | 5,714 |
| Total domestic deposits to total assets | 89.5483% | 1,238 |
| Equity capital to assets | 9.5437% | 4,806 |
| Core capital (leverage) ratio | 9.3730% | 4,220 |
| Tier 1 risk-based capital ratio | 17.6608% | 2,314 |
| Total risk-based capital ratio | 18.9129% | 2,281 |
| Memoranda: | ||
| Average total assets | $99,469,800 | 4,901 |
| Average earning assets | $89,719,000 | 4,943 |
| Average equity | $9,618,000 | 5,114 |
| Average total loans | $54,342,800 | 5,102 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 6,531 |
| Cost of funding earning assets | 0.7616% | 5,384 |
| Net interest margin | 3.2731% | 5,940 |
| Noninterest income to average assets | 0.8132% | 1,991 |
| Noninterest expense to average assets | 3.1384% | 3,030 |
| Loan and lease loss provision to assets | 0.0739% | 5,527 |
| Net operating income to assets | 0.5524% | 4,313 |
| Return on assets (ROA) | 0.5524% | 4,489 |
| Pretax return on assets | 0.5524% | 4,965 |
| Return on Equity (ROE) | 5.6944% | 4,182 |
| Retained earnings to average equity (ytd only) | 3.3391% | 4,347 |
| Net charge-offs to loans | 0.0661% | 5,301 |
| Credit loss provision to net charge-offs | 203.7037% | 1,438 |
| Earnings coverage of net charge-offs (x) | 17.2589% | 1,355 |
| Efficiency ratio | 83.3631% | 1,811 |
| Assets per employee ($millions) | 2.7653% | 6,551 |
| Cash dividends to net income (ytd only)* | 41.3621% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 4,373 |
| Loan loss allowance to noncurrent loans | 178.4404% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 5,779 |
| Noncurrent loans to loans | 0.8070% | 5,254 |
| Net loans and leases to total assets | 52.0461% | 5,442 |
| Net loans and leases to deposits | 58.1443% | 5,829 |
| Net loans and leases to core deposits | 60.4113% | 5,955 |
| Total domestic deposits to total assets | 89.5120% | 1,136 |
| Equity capital to assets | 9.5018% | 5,084 |
| Core capital (leverage) ratio | 9.6496% | 3,921 |
| Tier 1 risk-based capital ratio | 19.0086% | 1,936 |
| Total risk-based capital ratio | 20.2611% | 1,910 |
| Memoranda: | ||
| Average total assets | $99,197,750 | 4,947 |
| Average earning assets | $89,455,000 | 4,967 |
| Average equity | $9,623,250 | 5,149 |
| Average total loans | $54,433,500 | 5,142 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 6,552 |
| Cost of funding earning assets | 0.7976% | 5,383 |
| Net interest margin | 3.2646% | 5,955 |
| Noninterest income to average assets | 0.9087% | 1,621 |
| Noninterest expense to average assets | 3.1093% | 3,218 |
| Loan and lease loss provision to assets | 0.0815% | 5,290 |
| Net operating income to assets | 0.6703% | 3,686 |
| Return on assets (ROA) | 0.6703% | 3,806 |
| Pretax return on assets | 0.6703% | 4,497 |
| Return on Equity (ROE) | 6.8611% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.5671% | 3,283 |
| Net charge-offs to loans | 0.0733% | 4,912 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 18.4500% | 1,259 |
| Efficiency ratio | 80.5277% | 2,310 |
| Assets per employee ($millions) | 2.5940% | 6,799 |
| Cash dividends to net income (ytd only)* | 33.4347% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 4,414 |
| Loan loss allowance to noncurrent loans | 112.4088% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 5,299 |
| Noncurrent loans to loans | 1.2778% | 4,529 |
| Net loans and leases to total assets | 53.6029% | 5,350 |
| Net loans and leases to deposits | 60.1416% | 5,714 |
| Net loans and leases to core deposits | 62.5820% | 5,850 |
| Total domestic deposits to total assets | 89.1279% | 1,459 |
| Equity capital to assets | 9.8485% | 4,331 |
| Core capital (leverage) ratio | 9.8398% | 3,466 |
| Tier 1 risk-based capital ratio | 16.9529% | 2,548 |
| Total risk-based capital ratio | 18.2043% | 2,516 |
| Memoranda: | ||
| Average total assets | $98,158,000 | 5,021 |
| Average earning assets | $88,770,330 | 5,030 |
| Average equity | $9,590,330 | 5,158 |
| Average total loans | $54,568,000 | 5,186 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 6,514 |
| Cost of funding earning assets | 0.8040% | 5,558 |
| Net interest margin | 3.2882% | 5,821 |
| Noninterest income to average assets | 0.7677% | 2,173 |
| Noninterest expense to average assets | 3.0791% | 3,341 |
| Loan and lease loss provision to assets | 0.1225% | 4,474 |
| Net operating income to assets | 0.5390% | 4,320 |
| Return on assets (ROA) | 0.5390% | 4,402 |
| Pretax return on assets | 0.5390% | 4,899 |
| Return on Equity (ROE) | 5.5395% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.4412% | 4,125 |
| Net charge-offs to loans | 0.1235% | 3,788 |
| Credit loss provision to net charge-offs | 176.4706% | 1,653 |
| Earnings coverage of net charge-offs (x) | 9.5294% | 1,712 |
| Efficiency ratio | 82.3144% | 2,178 |
| Assets per employee ($millions) | 2.5851% | 6,865 |
| Cash dividends to net income (ytd only)* | 37.8788% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 4,632 |
| Loan loss allowance to noncurrent loans | 128.2353% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 5,580 |
| Noncurrent loans to loans | 1.0972% | 4,868 |
| Net loans and leases to total assets | 54.4266% | 5,240 |
| Net loans and leases to deposits | 60.9799% | 5,621 |
| Net loans and leases to core deposits | 63.3904% | 5,792 |
| Total domestic deposits to total assets | 89.2533% | 1,612 |
| Equity capital to assets | 9.7430% | 4,119 |
| Core capital (leverage) ratio | 9.6518% | 3,589 |
| Tier 1 risk-based capital ratio | 18.7809% | 1,873 |
| Total risk-based capital ratio | 20.0332% | 1,830 |
| Memoranda: | ||
| Average total assets | $97,950,500 | 5,059 |
| Average earning assets | $88,559,500 | 5,071 |
| Average equity | $9,531,500 | 5,167 |
| Average total loans | $55,048,000 | 5,210 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 5,994 |
| Cost of funding earning assets | 1.1163% | 5,044 |
| Net interest margin | 3.5222% | 5,153 |
| Noninterest income to average assets | 0.7370% | 2,612 |
| Noninterest expense to average assets | 3.2606% | 2,868 |
| Loan and lease loss provision to assets | 0.1136% | 6,027 |
| Net operating income to assets | 0.5319% | 3,958 |
| Return on assets (ROA) | 0.5319% | 4,111 |
| Pretax return on assets | 0.5319% | 4,523 |
| Return on Equity (ROE) | 5.5926% | 3,797 |
| Retained earnings to average equity (ytd only) | 2.8439% | 3,855 |
| Net charge-offs to loans | 0.1093% | 5,781 |
| Credit loss provision to net charge-offs | 179.3651% | 1,844 |
| Earnings coverage of net charge-offs (x) | 10.1905% | 1,741 |
| Efficiency ratio | 83.4749% | 1,987 |
| Assets per employee ($millions) | 2.5702% | 6,902 |
| Cash dividends to net income (ytd only)* | 49.1493% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 4,796 |
| Loan loss allowance to noncurrent loans | 105.1893% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 5,385 |
| Noncurrent loans to loans | 1.2762% | 4,582 |
| Net loans and leases to total assets | 56.4342% | 5,269 |
| Net loans and leases to deposits | 63.2134% | 5,717 |
| Net loans and leases to core deposits | 65.5819% | 5,921 |
| Total domestic deposits to total assets | 89.2757% | 1,506 |
| Equity capital to assets | 9.7188% | 4,094 |
| Core capital (leverage) ratio | 9.6430% | 3,496 |
| Tier 1 risk-based capital ratio | 17.1948% | 2,276 |
| Total risk-based capital ratio | 18.4462% | 2,237 |
| Memoranda: | ||
| Average total assets | $99,461,000 | 5,002 |
| Average earning assets | $89,490,400 | 5,035 |
| Average equity | $9,459,000 | 5,279 |
| Average total loans | $57,655,400 | 5,175 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7111% | 5,975 |
| Cost of funding earning assets | 1.1737% | 5,015 |
| Net interest margin | 3.5374% | 5,154 |
| Noninterest income to average assets | 0.6873% | 2,894 |
| Noninterest expense to average assets | 3.1334% | 3,177 |
| Loan and lease loss provision to assets | 0.1241% | 5,787 |
| Net operating income to assets | 0.6112% | 3,828 |
| Return on assets (ROA) | 0.6112% | 4,000 |
| Pretax return on assets | 0.6112% | 4,561 |
| Return on Equity (ROE) | 6.4614% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.9800% | 3,005 |
| Net charge-offs to loans | 0.1079% | 5,463 |
| Credit loss provision to net charge-offs | 197.8723% | 1,807 |
| Earnings coverage of net charge-offs (x) | 11.7225% | 1,761 |
| Efficiency ratio | 80.9934% | 2,209 |
| Assets per employee ($millions) | 2.6046% | 6,929 |
| Cash dividends to net income (ytd only)* | 22.9264% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,889 |
| Loan loss allowance to noncurrent loans | 121.3008% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7224% | 5,666 |
| Noncurrent loans to loans | 1.0816% | 5,074 |
| Net loans and leases to total assets | 56.6941% | 5,456 |
| Net loans and leases to deposits | 63.5143% | 5,970 |
| Net loans and leases to core deposits | 65.8549% | 6,136 |
| Total domestic deposits to total assets | 89.2619% | 1,248 |
| Equity capital to assets | 9.6913% | 4,557 |
| Core capital (leverage) ratio | 9.6176% | 3,741 |
| Tier 1 risk-based capital ratio | 18.2147% | 1,965 |
| Total risk-based capital ratio | 19.4672% | 1,918 |
| Memoranda: | ||
| Average total assets | $99,909,750 | 5,049 |
| Average earning assets | $89,856,750 | 5,075 |
| Average equity | $9,450,750 | 5,362 |
| Average total loans | $58,102,500 | 5,228 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 5,994 |
| Cost of funding earning assets | 1.2062% | 5,091 |
| Net interest margin | 3.5388% | 5,098 |
| Noninterest income to average assets | 0.7124% | 2,635 |
| Noninterest expense to average assets | 3.2029% | 2,892 |
| Loan and lease loss provision to assets | 0.1497% | 5,404 |
| Net operating income to assets | 0.5448% | 4,120 |
| Return on assets (ROA) | 0.5448% | 4,263 |
| Pretax return on assets | 0.5448% | 4,759 |
| Return on Equity (ROE) | 5.8062% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.6365% | 3,121 |
| Net charge-offs to loans | 0.1538% | 4,713 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 7.7333% | 2,249 |
| Efficiency ratio | 82.1813% | 2,139 |
| Assets per employee ($millions) | 2.6465% | 6,870 |
| Cash dividends to net income (ytd only)* | 20.1465% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 5,170 |
| Loan loss allowance to noncurrent loans | 122.6891% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 5,767 |
| Noncurrent loans to loans | 1.0209% | 5,269 |
| Net loans and leases to total assets | 57.2265% | 5,530 |
| Net loans and leases to deposits | 64.2755% | 6,003 |
| Net loans and leases to core deposits | 66.8366% | 6,170 |
| Total domestic deposits to total assets | 89.0332% | 1,422 |
| Equity capital to assets | 9.4156% | 4,842 |
| Core capital (leverage) ratio | 9.4767% | 3,855 |
| Tier 1 risk-based capital ratio | 16.3424% | 2,535 |
| Total risk-based capital ratio | 17.5923% | 2,480 |
| Memoranda: | ||
| Average total assets | $100,221,330 | 5,070 |
| Average earning assets | $90,199,330 | 5,085 |
| Average equity | $9,403,670 | 5,377 |
| Average total loans | $58,517,000 | 5,249 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 5,761 |
| Cost of funding earning assets | 1.2703% | 5,001 |
| Net interest margin | 3.5604% | 4,901 |
| Noninterest income to average assets | 0.8036% | 2,002 |
| Noninterest expense to average assets | 3.2104% | 2,817 |
| Loan and lease loss provision to assets | 0.0720% | 5,919 |
| Net operating income to assets | 0.7037% | 3,429 |
| Return on assets (ROA) | 0.7037% | 3,538 |
| Pretax return on assets | 0.7037% | 4,220 |
| Return on Equity (ROE) | 7.5125% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.5125% | 1,920 |
| Net charge-offs to loans | 0.1091% | 4,336 |
| Credit loss provision to net charge-offs | 112.5000% | 3,081 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 1,589 |
| Efficiency ratio | 80.5416% | 2,482 |
| Assets per employee ($millions) | 2.5301% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 5,580 |
| Loan loss allowance to noncurrent loans | 107.8341% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 5,384 |
| Noncurrent loans to loans | 1.0976% | 5,161 |
| Net loans and leases to total assets | 59.3976% | 5,223 |
| Net loans and leases to deposits | 66.4972% | 5,767 |
| Net loans and leases to core deposits | 68.9757% | 6,005 |
| Total domestic deposits to total assets | 89.3234% | 1,349 |
| Equity capital to assets | 9.5780% | 4,409 |
| Core capital (leverage) ratio | 9.3453% | 3,980 |
| Tier 1 risk-based capital ratio | 13.0788% | 4,277 |
| Total risk-based capital ratio | 14.0625% | 4,439 |
| Memoranda: | ||
| Average total assets | $100,048,500 | 5,146 |
| Average earning assets | $89,428,000 | 5,180 |
| Average equity | $9,371,000 | 5,429 |
| Average total loans | $58,635,000 | 5,311 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3610% | 4,884 |
| Cost of funding earning assets | 1.4226% | 5,833 |
| Net interest margin | 3.9384% | 3,125 |
| Noninterest income to average assets | 0.5715% | 3,846 |
| Noninterest expense to average assets | 3.3160% | 2,961 |
| Loan and lease loss provision to assets | 0.2050% | 5,704 |
| Net operating income to assets | 0.5938% | 3,356 |
| Return on assets (ROA) | 0.5938% | 3,436 |
| Pretax return on assets | 0.5938% | 3,915 |
| Return on Equity (ROE) | 6.2832% | 3,088 |
| Retained earnings to average equity (ytd only) | 2.5240% | 3,382 |
| Net charge-offs to loans | 0.3163% | 4,661 |
| Credit loss provision to net charge-offs | 117.4419% | 4,615 |
| Earnings coverage of net charge-offs (x) | 4.5756% | 2,900 |
| Efficiency ratio | 80.5871% | 2,800 |
| Assets per employee ($millions) | 2.6690% | 6,913 |
| Cash dividends to net income (ytd only)* | 59.8291% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 5,311 |
| Loan loss allowance to noncurrent loans | 111.6427% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 5,423 |
| Noncurrent loans to loans | 1.0818% | 5,160 |
| Net loans and leases to total assets | 56.4547% | 5,894 |
| Net loans and leases to deposits | 62.8787% | 6,377 |
| Net loans and leases to core deposits | 75.1053% | 6,464 |
| Total domestic deposits to total assets | 89.7834% | 1,065 |
| Equity capital to assets | 9.1606% | 4,899 |
| Core capital (leverage) ratio | 9.0537% | 4,334 |
| Tier 1 risk-based capital ratio | 15.3114% | 2,795 |
| Total risk-based capital ratio | 16.4819% | 2,794 |
| Memoranda: | ||
| Average total assets | $98,521,000 | 5,128 |
| Average earning assets | $88,640,600 | 5,164 |
| Average equity | $9,310,600 | 5,504 |
| Average total loans | $54,372,600 | 5,489 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 4,565 |
| Cost of funding earning assets | 1.4509% | 6,033 |
| Net interest margin | 4.0221% | 2,717 |
| Noninterest income to average assets | 0.5453% | 4,115 |
| Noninterest expense to average assets | 3.1589% | 3,437 |
| Loan and lease loss provision to assets | 0.1145% | 6,222 |
| Net operating income to assets | 0.8889% | 2,457 |
| Return on assets (ROA) | 0.8889% | 2,536 |
| Pretax return on assets | 0.8889% | 3,264 |
| Return on Equity (ROE) | 9.3319% | 2,149 |
| Retained earnings to average equity (ytd only) | 5.1097% | 2,421 |
| Net charge-offs to loans | 0.1845% | 4,912 |
| Credit loss provision to net charge-offs | 113.5135% | 4,479 |
| Earnings coverage of net charge-offs (x) | 9.9464% | 2,033 |
| Efficiency ratio | 75.8926% | 3,535 |
| Assets per employee ($millions) | 2.7286% | 6,786 |
| Cash dividends to net income (ytd only)* | 45.2451% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 5,073 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 6,193 |
| Noncurrent loans to loans | 0.5124% | 6,281 |
| Net loans and leases to total assets | 55.1972% | 6,246 |
| Net loans and leases to deposits | 61.7360% | 6,702 |
| Net loans and leases to core deposits | 72.2523% | 6,832 |
| Total domestic deposits to total assets | 89.4085% | 1,013 |
| Equity capital to assets | 9.3465% | 4,963 |
| Core capital (leverage) ratio | 9.3772% | 4,077 |
| Tier 1 risk-based capital ratio | 16.0871% | 2,597 |
| Total risk-based capital ratio | 17.2659% | 2,553 |
| Memoranda: | ||
| Average total assets | $97,795,500 | 5,181 |
| Average earning assets | $87,945,750 | 5,234 |
| Average equity | $9,315,500 | 5,552 |
| Average total loans | $53,476,250 | 5,572 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7087% | 3,486 |
| Cost of funding earning assets | 1.5033% | 6,126 |
| Net interest margin | 4.2054% | 1,980 |
| Noninterest income to average assets | 0.5251% | 4,226 |
| Noninterest expense to average assets | 3.1341% | 3,561 |
| Loan and lease loss provision to assets | 0.1013% | 6,157 |
| Net operating income to assets | 1.0606% | 1,912 |
| Return on assets (ROA) | 1.0606% | 1,988 |
| Pretax return on assets | 1.0606% | 2,769 |
| Return on Equity (ROE) | 11.0616% | 1,687 |
| Retained earnings to average equity (ytd only) | 6.8569% | 1,638 |
| Net charge-offs to loans | 0.1448% | 4,735 |
| Credit loss provision to net charge-offs | 128.9474% | 3,608 |
| Earnings coverage of net charge-offs (x) | 14.7895% | 1,630 |
| Efficiency ratio | 72.9548% | 4,207 |
| Assets per employee ($millions) | 2.5701% | 7,115 |
| Cash dividends to net income (ytd only)* | 38.0117% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 4,519 |
| Loan loss allowance to noncurrent loans | 215.5063% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 5,931 |
| Noncurrent loans to loans | 0.5858% | 6,084 |
| Net loans and leases to total assets | 56.0125% | 6,204 |
| Net loans and leases to deposits | 62.7721% | 6,683 |
| Net loans and leases to core deposits | 75.5046% | 6,705 |
| Total domestic deposits to total assets | 89.2316% | 1,153 |
| Equity capital to assets | 9.8798% | 4,107 |
| Core capital (leverage) ratio | 9.5573% | 3,802 |
| Tier 1 risk-based capital ratio | 16.7823% | 2,368 |
| Total risk-based capital ratio | 18.0190% | 2,321 |
| Memoranda: | ||
| Average total assets | $96,741,330 | 5,258 |
| Average earning assets | $86,744,670 | 5,309 |
| Average equity | $9,275,330 | 5,589 |
| Average total loans | $52,499,670 | 5,657 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6914% | 3,848 |
| Cost of funding earning assets | 1.5468% | 6,247 |
| Net interest margin | 4.1446% | 2,106 |
| Noninterest income to average assets | 0.5330% | 4,038 |
| Noninterest expense to average assets | 2.9888% | 3,817 |
| Loan and lease loss provision to assets | 0.0820% | 5,916 |
| Net operating income to assets | 1.1971% | 1,660 |
| Return on assets (ROA) | 1.1971% | 1,776 |
| Pretax return on assets | 1.1971% | 2,638 |
| Return on Equity (ROE) | 12.6743% | 1,468 |
| Retained earnings to average equity (ytd only) | 8.3338% | 1,689 |
| Net charge-offs to loans | 0.1159% | 4,040 |
| Credit loss provision to net charge-offs | 133.3333% | 3,026 |
| Earnings coverage of net charge-offs (x) | 20.8000% | 1,357 |
| Efficiency ratio | 70.0288% | 4,570 |
| Assets per employee ($millions) | 2.5373% | 7,207 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 4,133 |
| Loan loss allowance to noncurrent loans | 234.3750% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 5,804 |
| Noncurrent loans to loans | 0.5502% | 6,040 |
| Net loans and leases to total assets | 53.5906% | 6,519 |
| Net loans and leases to deposits | 59.8751% | 6,906 |
| Net loans and leases to core deposits | 72.7228% | 6,876 |
| Total domestic deposits to total assets | 89.5040% | 1,004 |
| Equity capital to assets | 9.6642% | 4,432 |
| Core capital (leverage) ratio | 9.1988% | 4,400 |
| Tier 1 risk-based capital ratio | 16.6609% | 2,461 |
| Total risk-based capital ratio | 17.8947% | 2,391 |
| Memoranda: | ||
| Average total assets | $97,565,500 | 5,253 |
| Average earning assets | $87,922,500 | 5,291 |
| Average equity | $9,215,500 | 5,623 |
| Average total loans | $51,777,000 | 5,727 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8031% | 6,413 |
| Cost of funding earning assets | 1.9584% | 6,540 |
| Net interest margin | 3.8446% | 3,815 |
| Noninterest income to average assets | 0.6934% | 3,157 |
| Noninterest expense to average assets | 3.1691% | 3,453 |
| Loan and lease loss provision to assets | 0.1217% | 5,802 |
| Net operating income to assets | 0.8665% | 3,143 |
| Return on assets (ROA) | 0.8665% | 2,994 |
| Pretax return on assets | 0.8665% | 3,834 |
| Return on Equity (ROE) | 9.3091% | 2,522 |
| Retained earnings to average equity (ytd only) | 5.0265% | 2,009 |
| Net charge-offs to loans | 0.1860% | 4,339 |
| Credit loss provision to net charge-offs | 120.8333% | 4,443 |
| Earnings coverage of net charge-offs (x) | 9.8125% | 2,631 |
| Efficiency ratio | 76.2301% | 3,200 |
| Assets per employee ($millions) | 2.5311% | 7,148 |
| Cash dividends to net income (ytd only)* | 46.0048% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 3,718 |
| Loan loss allowance to noncurrent loans | 218.2410% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 5,863 |
| Noncurrent loans to loans | 0.5995% | 5,574 |
| Net loans and leases to total assets | 51.1969% | 6,921 |
| Net loans and leases to deposits | 56.7907% | 7,276 |
| Net loans and leases to core deposits | 68.6452% | 7,260 |
| Total domestic deposits to total assets | 90.1502% | 593 |
| Equity capital to assets | 9.2318% | 5,029 |
| Core capital (leverage) ratio | 8.9881% | 4,759 |
| Tier 1 risk-based capital ratio | 12.2389% | 4,641 |
| Total risk-based capital ratio | 13.1579% | 4,798 |
| Memoranda: | ||
| Average total assets | $95,327,800 | 5,190 |
| Average earning assets | $85,885,800 | 5,239 |
| Average equity | $8,873,000 | 5,783 |
| Average total loans | $51,620,800 | 5,639 |