Home > First New Mexico Bank, Las Cruces > Performance and Condition Ratios
First New Mexico Bank, Las Cruces, 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 | 6.0179% | 621 |
| Cost of funding earning assets | 0.6485% | 4,002 |
| Net interest margin | 5.3694% | 215 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 3.2024% | 829 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4266% | 1,166 |
| Return on assets (ROA) | 1.4266% | 1,137 |
| Pretax return on assets | 2.1939% | 495 |
| Return on Equity (ROE) | 11.8500% | 1,995 |
| Retained earnings to average equity (ytd only) | 4.3065% | 2,862 |
| Net charge-offs to loans | 0.0175% | 2,011 |
| Credit loss provision to net charge-offs | 76.9231% | 2,042 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 470 |
| Efficiency ratio | 59.2753% | 3,158 |
| Assets per employee ($millions) | 4.5329% | 3,934 |
| Cash dividends to net income (ytd only)* | 63.6565% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2571% | 260 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 47.3700% | 3,762 |
| Net loans and leases to deposits | 56.1447% | 3,702 |
| Net loans and leases to core deposits | 60.2656% | 3,753 |
| Total domestic deposits to total assets | 84.3800% | 2,508 |
| Equity capital to assets | 12.6539% | 954 |
| Core capital (leverage) ratio | 12.6799% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $158,349,000 | 3,289 |
| Average earning assets | $144,484,600 | 3,299 |
| Average equity | $19,064,000 | 2,937 |
| Average total loans | $74,245,600 | 3,489 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9081% | 599 |
| Cost of funding earning assets | 0.5548% | 4,053 |
| Net interest margin | 5.3533% | 213 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 3.1123% | 916 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3500% | 1,424 |
| Return on assets (ROA) | 1.3500% | 1,403 |
| Pretax return on assets | 2.2198% | 546 |
| Return on Equity (ROE) | 11.3500% | 2,291 |
| Retained earnings to average equity (ytd only) | 4.8184% | 2,991 |
| Net charge-offs to loans | 0.0252% | 1,571 |
| Credit loss provision to net charge-offs | 71.4286% | 1,801 |
| Earnings coverage of net charge-offs (x) | 190.2857% | 621 |
| Efficiency ratio | 58.2772% | 3,172 |
| Assets per employee ($millions) | 4.5423% | 3,913 |
| Cash dividends to net income (ytd only)* | 57.5589% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2287% | 282 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 47.8600% | 3,747 |
| Net loans and leases to deposits | 56.5217% | 3,683 |
| Net loans and leases to core deposits | 60.3501% | 3,690 |
| Total domestic deposits to total assets | 84.6800% | 2,604 |
| Equity capital to assets | 12.5299% | 912 |
| Core capital (leverage) ratio | 12.6988% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $159,406,500 | 3,294 |
| Average earning assets | $145,402,250 | 3,303 |
| Average equity | $18,954,500 | 2,941 |
| Average total loans | $74,133,000 | 3,497 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8259% | 544 |
| Cost of funding earning assets | 0.3916% | 4,181 |
| Net interest margin | 5.4343% | 186 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 3.0671% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3312% | 1,491 |
| Return on assets (ROA) | 1.3312% | 1,475 |
| Pretax return on assets | 2.3804% | 411 |
| Return on Equity (ROE) | 11.3900% | 2,331 |
| Retained earnings to average equity (ytd only) | 4.0378% | 3,201 |
| Net charge-offs to loans | 0.0407% | 1,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 127.8000% | 816 |
| Efficiency ratio | 56.3027% | 3,378 |
| Assets per employee ($millions) | 4.5166% | 3,942 |
| Cash dividends to net income (ytd only)* | 64.5522% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3424% | 259 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 45.4500% | 3,823 |
| Net loans and leases to deposits | 53.5039% | 3,773 |
| Net loans and leases to core deposits | 56.5225% | 3,793 |
| Total domestic deposits to total assets | 84.9400% | 2,559 |
| Equity capital to assets | 12.3908% | 956 |
| Core capital (leverage) ratio | 12.1302% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $161,062,667 | 3,281 |
| Average earning assets | $147,101,333 | 3,306 |
| Average equity | $18,822,333 | 2,964 |
| Average total loans | $73,643,000 | 3,511 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6641% | 476 |
| Cost of funding earning assets | 0.2671% | 4,263 |
| Net interest margin | 5.3970% | 170 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.9852% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2936% | 1,688 |
| Return on assets (ROA) | 1.2936% | 1,664 |
| Pretax return on assets | 2.4877% | 363 |
| Return on Equity (ROE) | 11.3900% | 2,375 |
| Retained earnings to average equity (ytd only) | 4.0172% | 3,267 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.5455% | 3,549 |
| Assets per employee ($millions) | 4.7542% | 3,840 |
| Cash dividends to net income (ytd only)* | 64.7280% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3124% | 275 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 44.1400% | 3,861 |
| Net loans and leases to deposits | 51.3575% | 3,826 |
| Net loans and leases to core deposits | 53.7544% | 3,844 |
| Total domestic deposits to total assets | 85.9500% | 2,608 |
| Equity capital to assets | 11.6436% | 1,108 |
| Core capital (leverage) ratio | 11.4886% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $164,811,000 | 3,296 |
| Average earning assets | $151,269,500 | 3,308 |
| Average equity | $18,719,500 | 3,001 |
| Average total loans | $74,732,500 | 3,529 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 813 |
| Cost of funding earning assets | 0.1099% | 4,343 |
| Net interest margin | 4.3326% | 393 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.9323% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2135% | 1,722 |
| Return on assets (ROA) | 1.2135% | 1,665 |
| Pretax return on assets | 1.6450% | 1,047 |
| Return on Equity (ROE) | 11.0400% | 2,462 |
| Retained earnings to average equity (ytd only) | 3.9148% | 3,426 |
| Net charge-offs to loans | -0.0112% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.0619% | 2,479 |
| Assets per employee ($millions) | 4.7994% | 3,815 |
| Cash dividends to net income (ytd only)* | 64.5401% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2101% | 303 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 44.4900% | 3,868 |
| Net loans and leases to deposits | 51.2589% | 3,844 |
| Net loans and leases to core deposits | 53.1907% | 3,854 |
| Total domestic deposits to total assets | 86.7900% | 2,462 |
| Equity capital to assets | 11.0835% | 1,228 |
| Core capital (leverage) ratio | 11.1658% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $166,625,200 | 3,289 |
| Average earning assets | $152,889,000 | 3,298 |
| Average equity | $18,315,200 | 3,099 |
| Average total loans | $71,741,400 | 3,551 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 1,085 |
| Cost of funding earning assets | 0.0970% | 4,310 |
| Net interest margin | 3.9936% | 646 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.8200% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1923% | 1,726 |
| Return on assets (ROA) | 1.1923% | 1,702 |
| Pretax return on assets | 1.4689% | 1,500 |
| Return on Equity (ROE) | 10.8700% | 2,434 |
| Retained earnings to average equity (ytd only) | 3.8523% | 3,495 |
| Net charge-offs to loans | -0.0132% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.7506% | 2,313 |
| Assets per employee ($millions) | 4.6573% | 3,935 |
| Cash dividends to net income (ytd only)* | 64.5595% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1799% | 358 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 45.1800% | 3,809 |
| Net loans and leases to deposits | 51.9494% | 3,734 |
| Net loans and leases to core deposits | 53.3929% | 3,784 |
| Total domestic deposits to total assets | 86.9700% | 2,775 |
| Equity capital to assets | 10.9810% | 1,187 |
| Core capital (leverage) ratio | 10.8564% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $166,286,750 | 3,320 |
| Average earning assets | $152,507,750 | 3,326 |
| Average equity | $18,239,500 | 3,141 |
| Average total loans | $70,571,000 | 3,581 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 1,368 |
| Cost of funding earning assets | 0.0962% | 4,227 |
| Net interest margin | 3.6753% | 953 |
| Noninterest income to average assets | 0.6465% | 1,559 |
| Noninterest expense to average assets | 2.7595% | 1,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1566% | 1,579 |
| Return on assets (ROA) | 1.1566% | 1,563 |
| Pretax return on assets | 1.2519% | 1,894 |
| Return on Equity (ROE) | 10.5487% | 2,150 |
| Retained earnings to average equity (ytd only) | 3.7729% | 3,171 |
| Net charge-offs to loans | -0.0059% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7913% | 2,131 |
| Assets per employee ($millions) | 4.9395% | 3,727 |
| Cash dividends to net income (ytd only)* | 64.2336% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3408% | 309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.8086% | 3,987 |
| Net loans and leases to deposits | 47.8937% | 3,924 |
| Net loans and leases to core deposits | 49.3242% | 3,966 |
| Total domestic deposits to total assets | 87.2946% | 2,831 |
| Equity capital to assets | 10.8429% | 1,286 |
| Core capital (leverage) ratio | 11.1240% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,828,000 | 3,363 |
| Average earning assets | $151,824,667 | 3,380 |
| Average equity | $18,182,333 | 3,222 |
| Average total loans | $68,282,667 | 3,648 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5622% | 1,615 |
| Cost of funding earning assets | 0.0956% | 4,191 |
| Net interest margin | 3.4666% | 1,145 |
| Noninterest income to average assets | 0.6409% | 1,527 |
| Noninterest expense to average assets | 2.7262% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0657% | 1,635 |
| Return on assets (ROA) | 1.0657% | 1,627 |
| Pretax return on assets | 1.0827% | 2,195 |
| Return on Equity (ROE) | 9.6651% | 2,096 |
| Retained earnings to average equity (ytd only) | 3.5226% | 3,112 |
| Net charge-offs to loans | -0.0060% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5743% | 2,033 |
| Assets per employee ($millions) | 4.9123% | 3,822 |
| Cash dividends to net income (ytd only)* | 63.5535% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4397% | 300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 41.4914% | 3,914 |
| Net loans and leases to deposits | 47.6653% | 3,891 |
| Net loans and leases to core deposits | 49.5076% | 3,899 |
| Total domestic deposits to total assets | 87.0474% | 2,906 |
| Equity capital to assets | 11.1119% | 1,281 |
| Core capital (leverage) ratio | 11.3883% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,770,000 | 3,383 |
| Average earning assets | $150,579,500 | 3,401 |
| Average equity | $18,168,500 | 3,312 |
| Average total loans | $66,475,000 | 3,690 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 1,780 |
| Cost of funding earning assets | 0.1134% | 4,282 |
| Net interest margin | 3.7228% | 1,162 |
| Noninterest income to average assets | 0.7507% | 1,593 |
| Noninterest expense to average assets | 2.6652% | 1,723 |
| Loan and lease loss provision to assets | 0.0065% | 2,945 |
| Net operating income to assets | 1.2393% | 1,775 |
| Return on assets (ROA) | 1.2393% | 1,840 |
| Pretax return on assets | 1.5110% | 1,680 |
| Return on Equity (ROE) | 10.6551% | 2,291 |
| Retained earnings to average equity (ytd only) | 3.3297% | 3,484 |
| Net charge-offs to loans | -0.0563% | 4,374 |
| Credit loss provision to net charge-offs | -26.3158% | 3,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7191% | 2,607 |
| Assets per employee ($millions) | 4.9245% | 3,805 |
| Cash dividends to net income (ytd only)* | 68.7500% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6262% | 235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 37.2248% | 4,237 |
| Net loans and leases to deposits | 42.7556% | 4,237 |
| Net loans and leases to core deposits | 44.2572% | 4,257 |
| Total domestic deposits to total assets | 87.0642% | 2,498 |
| Equity capital to assets | 10.9440% | 1,825 |
| Core capital (leverage) ratio | 11.1786% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,925,600 | 3,442 |
| Average earning assets | $142,821,800 | 3,445 |
| Average equity | $18,019,600 | 3,381 |
| Average total loans | $67,522,200 | 3,701 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 1,828 |
| Cost of funding earning assets | 0.1150% | 4,388 |
| Net interest margin | 3.7621% | 1,201 |
| Noninterest income to average assets | 0.8072% | 1,500 |
| Noninterest expense to average assets | 2.6719% | 1,657 |
| Loan and lease loss provision to assets | 0.0086% | 2,813 |
| Net operating income to assets | 1.2437% | 2,011 |
| Return on assets (ROA) | 1.2437% | 2,074 |
| Pretax return on assets | 1.6047% | 1,685 |
| Return on Equity (ROE) | 10.5217% | 2,545 |
| Retained earnings to average equity (ytd only) | 3.0911% | 3,877 |
| Net charge-offs to loans | -0.0097% | 3,663 |
| Credit loss provision to net charge-offs | -200.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3488% | 2,640 |
| Assets per employee ($millions) | 4.8742% | 3,819 |
| Cash dividends to net income (ytd only)* | 70.6215% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3944% | 339 |
| Loan loss allowance to noncurrent loans | 7,847.6190% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 4,135 |
| Noncurrent loans to loans | 0.0305% | 3,980 |
| Net loans and leases to total assets | 41.7659% | 4,106 |
| Net loans and leases to deposits | 48.2802% | 4,097 |
| Net loans and leases to core deposits | 50.0730% | 4,134 |
| Total domestic deposits to total assets | 86.5072% | 2,552 |
| Equity capital to assets | 11.2833% | 1,829 |
| Core capital (leverage) ratio | 11.4123% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,798,500 | 3,504 |
| Average earning assets | $140,345,000 | 3,505 |
| Average equity | $17,943,500 | 3,431 |
| Average total loans | $68,400,750 | 3,735 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 1,575 |
| Cost of funding earning assets | 0.1207% | 4,436 |
| Net interest margin | 3.8743% | 1,018 |
| Noninterest income to average assets | 0.8590% | 1,380 |
| Noninterest expense to average assets | 2.7181% | 1,540 |
| Loan and lease loss provision to assets | 0.0134% | 2,685 |
| Net operating income to assets | 1.2448% | 2,041 |
| Return on assets (ROA) | 1.2448% | 2,101 |
| Pretax return on assets | 1.7085% | 1,460 |
| Return on Equity (ROE) | 10.3608% | 2,632 |
| Retained earnings to average equity (ytd only) | 3.7594% | 3,600 |
| Net charge-offs to loans | -0.0117% | 3,729 |
| Credit loss provision to net charge-offs | -250.0000% | 3,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2171% | 2,844 |
| Assets per employee ($millions) | 5.2861% | 3,365 |
| Cash dividends to net income (ytd only)* | 63.7149% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4699% | 288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 41.0111% | 4,238 |
| Net loans and leases to deposits | 47.4283% | 4,251 |
| Net loans and leases to core deposits | 49.1134% | 4,276 |
| Total domestic deposits to total assets | 86.4696% | 2,564 |
| Equity capital to assets | 11.3933% | 1,707 |
| Core capital (leverage) ratio | 11.6322% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,781,667 | 3,536 |
| Average earning assets | $137,520,000 | 3,544 |
| Average equity | $17,875,000 | 3,440 |
| Average total loans | $68,258,333 | 3,758 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 1,106 |
| Cost of funding earning assets | 0.1324% | 4,441 |
| Net interest margin | 4.1243% | 699 |
| Noninterest income to average assets | 0.9563% | 1,209 |
| Noninterest expense to average assets | 2.8301% | 1,309 |
| Loan and lease loss provision to assets | 0.0278% | 2,421 |
| Net operating income to assets | 1.2788% | 1,893 |
| Return on assets (ROA) | 1.2788% | 1,965 |
| Pretax return on assets | 1.9099% | 1,098 |
| Return on Equity (ROE) | 10.3496% | 2,578 |
| Retained earnings to average equity (ytd only) | 2.1149% | 3,986 |
| Net charge-offs to loans | 0.0348% | 1,128 |
| Credit loss provision to net charge-offs | 166.6667% | 949 |
| Earnings coverage of net charge-offs (x) | 116.1667% | 561 |
| Efficiency ratio | 59.3586% | 3,106 |
| Assets per employee ($millions) | 5.5762% | 3,044 |
| Cash dividends to net income (ytd only)* | 79.5652% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3929% | 308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,879 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 44.3517% | 4,094 |
| Net loans and leases to deposits | 51.6690% | 4,065 |
| Net loans and leases to core deposits | 53.1953% | 4,135 |
| Total domestic deposits to total assets | 85.8380% | 2,795 |
| Equity capital to assets | 11.8393% | 1,367 |
| Core capital (leverage) ratio | 12.4035% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,880,500 | 3,592 |
| Average earning assets | $132,969,500 | 3,596 |
| Average equity | $17,778,500 | 3,445 |
| Average total loans | $69,045,500 | 3,761 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 1,614 |
| Cost of funding earning assets | 0.2716% | 4,287 |
| Net interest margin | 4.1196% | 751 |
| Noninterest income to average assets | 0.9201% | 1,219 |
| Noninterest expense to average assets | 2.9769% | 1,486 |
| Loan and lease loss provision to assets | 0.0779% | 3,404 |
| Net operating income to assets | 1.4647% | 886 |
| Return on assets (ROA) | 1.4647% | 966 |
| Pretax return on assets | 1.6470% | 961 |
| Return on Equity (ROE) | 10.7105% | 1,740 |
| Retained earnings to average equity (ytd only) | 2.2959% | 3,706 |
| Net charge-offs to loans | 0.0192% | 2,686 |
| Credit loss provision to net charge-offs | 769.2308% | 933 |
| Earnings coverage of net charge-offs (x) | 170.3077% | 519 |
| Efficiency ratio | 63.3140% | 2,925 |
| Assets per employee ($millions) | 4.9001% | 3,505 |
| Cash dividends to net income (ytd only)* | 78.5638% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3436% | 320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 3,956 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 49.5951% | 3,852 |
| Net loans and leases to deposits | 58.6290% | 3,854 |
| Net loans and leases to core deposits | 60.6741% | 3,907 |
| Total domestic deposits to total assets | 84.5914% | 2,917 |
| Equity capital to assets | 12.9239% | 1,122 |
| Core capital (leverage) ratio | 12.9521% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,356,600 | 3,646 |
| Average earning assets | $117,826,800 | 3,646 |
| Average equity | $17,552,800 | 3,414 |
| Average total loans | $67,562,000 | 3,784 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 1,628 |
| Cost of funding earning assets | 0.3042% | 4,295 |
| Net interest margin | 4.1752% | 771 |
| Noninterest income to average assets | 0.8477% | 1,357 |
| Noninterest expense to average assets | 2.9743% | 1,500 |
| Loan and lease loss provision to assets | 0.0317% | 3,937 |
| Net operating income to assets | 1.5009% | 903 |
| Return on assets (ROA) | 1.5009% | 983 |
| Pretax return on assets | 1.6721% | 1,023 |
| Return on Equity (ROE) | 10.8138% | 1,745 |
| Retained earnings to average equity (ytd only) | 2.3532% | 3,799 |
| Net charge-offs to loans | -0.0259% | 4,485 |
| Credit loss provision to net charge-offs | -230.7692% | 3,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5789% | 2,802 |
| Assets per employee ($millions) | 4.6484% | 3,659 |
| Cash dividends to net income (ytd only)* | 78.2394% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2622% | 311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 4,047 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 50.9280% | 4,039 |
| Net loans and leases to deposits | 60.3256% | 4,042 |
| Net loans and leases to core deposits | 62.7616% | 4,065 |
| Total domestic deposits to total assets | 84.4218% | 2,667 |
| Equity capital to assets | 13.0834% | 1,145 |
| Core capital (leverage) ratio | 13.1463% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,145,000 | 3,666 |
| Average earning assets | $115,727,750 | 3,670 |
| Average equity | $17,508,000 | 3,419 |
| Average total loans | $67,032,750 | 3,811 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 1,448 |
| Cost of funding earning assets | 0.3541% | 4,252 |
| Net interest margin | 4.3270% | 709 |
| Noninterest income to average assets | 0.8340% | 1,335 |
| Noninterest expense to average assets | 3.0067% | 1,562 |
| Loan and lease loss provision to assets | 0.0325% | 3,860 |
| Net operating income to assets | 1.5658% | 817 |
| Return on assets (ROA) | 1.5658% | 886 |
| Pretax return on assets | 1.7605% | 876 |
| Return on Equity (ROE) | 11.0507% | 1,615 |
| Retained earnings to average equity (ytd only) | 2.5766% | 3,557 |
| Net charge-offs to loans | -0.0212% | 4,421 |
| Credit loss provision to net charge-offs | -285.7143% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6437% | 3,018 |
| Assets per employee ($millions) | 4.4150% | 3,893 |
| Cash dividends to net income (ytd only)* | 76.6839% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2754% | 297 |
| Loan loss allowance to noncurrent loans | 1,512.5000% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 4,132 |
| Noncurrent loans to loans | 0.1504% | 3,856 |
| Net loans and leases to total assets | 51.0060% | 4,097 |
| Net loans and leases to deposits | 60.5527% | 4,088 |
| Net loans and leases to core deposits | 63.2222% | 4,116 |
| Total domestic deposits to total assets | 84.2342% | 2,671 |
| Equity capital to assets | 13.2524% | 1,062 |
| Core capital (leverage) ratio | 13.4790% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,258,667 | 3,685 |
| Average earning assets | $112,965,667 | 3,690 |
| Average equity | $17,465,000 | 3,422 |
| Average total loans | $65,963,000 | 3,835 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 837 |
| Cost of funding earning assets | 0.4349% | 4,219 |
| Net interest margin | 4.6397% | 385 |
| Noninterest income to average assets | 0.7652% | 1,413 |
| Noninterest expense to average assets | 3.1113% | 1,610 |
| Loan and lease loss provision to assets | 0.0337% | 3,348 |
| Net operating income to assets | 1.6416% | 571 |
| Return on assets (ROA) | 1.6416% | 629 |
| Pretax return on assets | 1.8641% | 606 |
| Return on Equity (ROE) | 11.1819% | 1,362 |
| Retained earnings to average equity (ytd only) | 4.2707% | 2,583 |
| Net charge-offs to loans | -0.0186% | 4,313 |
| Credit loss provision to net charge-offs | -333.3333% | 3,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1131% | 3,485 |
| Assets per employee ($millions) | 4.0780% | 3,817 |
| Cash dividends to net income (ytd only)* | 61.8070% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4491% | 267 |
| Loan loss allowance to noncurrent loans | 1,528.4314% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 4,187 |
| Noncurrent loans to loans | 0.1602% | 3,887 |
| Net loans and leases to total assets | 50.7590% | 4,198 |
| Net loans and leases to deposits | 61.1899% | 4,150 |
| Net loans and leases to core deposits | 64.1336% | 4,162 |
| Total domestic deposits to total assets | 82.9531% | 3,130 |
| Equity capital to assets | 14.3160% | 958 |
| Core capital (leverage) ratio | 14.7561% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6966% | 462 |
| Memoranda: | ||
| Average total assets | $118,662,500 | 3,723 |
| Average earning assets | $108,542,000 | 3,738 |
| Average equity | $17,421,000 | 3,429 |
| Average total loans | $64,379,000 | 3,878 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4419% | 618 |
| Cost of funding earning assets | 0.4121% | 4,406 |
| Net interest margin | 5.0298% | 251 |
| Noninterest income to average assets | 0.9617% | 1,052 |
| Noninterest expense to average assets | 3.4091% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5940% | 848 |
| Return on assets (ROA) | 1.5940% | 901 |
| Pretax return on assets | 2.1793% | 398 |
| Return on Equity (ROE) | 10.7292% | 1,991 |
| Retained earnings to average equity (ytd only) | 3.7743% | 3,091 |
| Net charge-offs to loans | -0.0226% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0034% | 3,533 |
| Assets per employee ($millions) | 3.9650% | 3,944 |
| Cash dividends to net income (ytd only)* | 64.8219% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3748% | 254 |
| Loan loss allowance to noncurrent loans | 1,486.5385% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 4,180 |
| Noncurrent loans to loans | 0.1598% | 3,889 |
| Net loans and leases to total assets | 55.2719% | 3,972 |
| Net loans and leases to deposits | 67.4818% | 3,866 |
| Net loans and leases to core deposits | 70.7393% | 3,926 |
| Total domestic deposits to total assets | 81.9065% | 3,530 |
| Equity capital to assets | 15.0697% | 776 |
| Core capital (leverage) ratio | 15.1463% | 656 |
| Tier 1 risk-based capital ratio | 22.7226% | 940 |
| Total risk-based capital ratio | 23.9814% | 927 |
| Memoranda: | ||
| Average total assets | $114,488,400 | 3,769 |
| Average earning assets | $105,312,400 | 3,789 |
| Average equity | $17,009,600 | 3,432 |
| Average total loans | $61,909,800 | 3,947 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4638% | 630 |
| Cost of funding earning assets | 0.3990% | 4,509 |
| Net interest margin | 5.0649% | 252 |
| Noninterest income to average assets | 0.9816% | 970 |
| Noninterest expense to average assets | 3.3891% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5984% | 938 |
| Return on assets (ROA) | 1.5984% | 978 |
| Pretax return on assets | 2.2547% | 408 |
| Return on Equity (ROE) | 10.7971% | 2,095 |
| Retained earnings to average equity (ytd only) | 3.7959% | 3,498 |
| Net charge-offs to loans | -0.0240% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0496% | 3,636 |
| Assets per employee ($millions) | 3.7751% | 4,188 |
| Cash dividends to net income (ytd only)* | 64.8431% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5473% | 208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 52.1227% | 4,311 |
| Net loans and leases to deposits | 63.7390% | 4,189 |
| Net loans and leases to core deposits | 66.5104% | 4,244 |
| Total domestic deposits to total assets | 81.7752% | 3,538 |
| Equity capital to assets | 15.1591% | 805 |
| Core capital (leverage) ratio | 15.1710% | 699 |
| Tier 1 risk-based capital ratio | 23.8637% | 857 |
| Total risk-based capital ratio | 25.1244% | 841 |
| Memoranda: | ||
| Average total assets | $114,364,000 | 3,816 |
| Average earning assets | $105,272,000 | 3,829 |
| Average equity | $16,930,000 | 3,466 |
| Average total loans | $61,112,000 | 4,005 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4424% | 625 |
| Cost of funding earning assets | 0.3802% | 4,583 |
| Net interest margin | 5.0622% | 253 |
| Noninterest income to average assets | 0.9465% | 977 |
| Noninterest expense to average assets | 3.2754% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6107% | 884 |
| Return on assets (ROA) | 1.6107% | 923 |
| Pretax return on assets | 2.3358% | 330 |
| Return on Equity (ROE) | 10.9669% | 1,989 |
| Retained earnings to average equity (ytd only) | 3.9405% | 3,275 |
| Net charge-offs to loans | -0.0587% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3722% | 3,956 |
| Assets per employee ($millions) | 3.9430% | 3,949 |
| Cash dividends to net income (ytd only)* | 64.0693% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5122% | 218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 52.6026% | 4,318 |
| Net loans and leases to deposits | 63.9726% | 4,229 |
| Net loans and leases to core deposits | 65.8467% | 4,323 |
| Total domestic deposits to total assets | 82.2268% | 3,448 |
| Equity capital to assets | 14.8829% | 845 |
| Core capital (leverage) ratio | 14.8785% | 734 |
| Tier 1 risk-based capital ratio | 23.2785% | 919 |
| Total risk-based capital ratio | 24.5383% | 892 |
| Memoranda: | ||
| Average total assets | $114,734,670 | 3,834 |
| Average earning assets | $105,725,000 | 3,850 |
| Average equity | $16,850,670 | 3,476 |
| Average total loans | $61,291,670 | 4,017 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2938% | 767 |
| Cost of funding earning assets | 0.3617% | 4,637 |
| Net interest margin | 4.9321% | 320 |
| Noninterest income to average assets | 0.8666% | 1,126 |
| Noninterest expense to average assets | 3.0802% | 1,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5766% | 942 |
| Return on assets (ROA) | 1.5766% | 969 |
| Pretax return on assets | 2.3423% | 330 |
| Return on Equity (ROE) | 10.8069% | 2,020 |
| Retained earnings to average equity (ytd only) | 3.8647% | 3,372 |
| Net charge-offs to loans | -0.0851% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8036% | 4,238 |
| Assets per employee ($millions) | 4.0488% | 3,851 |
| Cash dividends to net income (ytd only)* | 64.2384% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5029% | 246 |
| Loan loss allowance to noncurrent loans | 2,032.8947% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 4,499 |
| Noncurrent loans to loans | 0.1231% | 4,190 |
| Net loans and leases to total assets | 51.2562% | 4,388 |
| Net loans and leases to deposits | 61.7756% | 4,313 |
| Net loans and leases to core deposits | 63.1213% | 4,422 |
| Total domestic deposits to total assets | 82.9717% | 3,399 |
| Equity capital to assets | 14.3490% | 924 |
| Core capital (leverage) ratio | 14.6416% | 778 |
| Tier 1 risk-based capital ratio | 24.7056% | 782 |
| Total risk-based capital ratio | 25.9682% | 771 |
| Memoranda: | ||
| Average total assets | $114,929,000 | 3,876 |
| Average earning assets | $106,161,000 | 3,880 |
| Average equity | $16,767,000 | 3,499 |
| Average total loans | $61,088,000 | 4,067 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0959% | 852 |
| Cost of funding earning assets | 0.3118% | 4,506 |
| Net interest margin | 4.7841% | 409 |
| Noninterest income to average assets | 0.8341% | 1,355 |
| Noninterest expense to average assets | 3.1755% | 1,615 |
| Loan and lease loss provision to assets | 0.0216% | 3,733 |
| Net operating income to assets | 1.4693% | 1,206 |
| Return on assets (ROA) | 1.4693% | 1,196 |
| Pretax return on assets | 2.0398% | 509 |
| Return on Equity (ROE) | 10.3803% | 2,355 |
| Retained earnings to average equity (ytd only) | 3.7491% | 3,511 |
| Net charge-offs to loans | -0.0830% | 5,109 |
| Credit loss provision to net charge-offs | -52.0833% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6371% | 3,753 |
| Assets per employee ($millions) | 3.8773% | 4,063 |
| Cash dividends to net income (ytd only)* | 63.8824% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5344% | 224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 52.3968% | 4,388 |
| Net loans and leases to deposits | 63.6379% | 4,270 |
| Net loans and leases to core deposits | 64.8505% | 4,416 |
| Total domestic deposits to total assets | 82.3358% | 3,542 |
| Equity capital to assets | 14.8397% | 747 |
| Core capital (leverage) ratio | 14.7238% | 752 |
| Tier 1 risk-based capital ratio | 22.5929% | 958 |
| Total risk-based capital ratio | 23.8521% | 932 |
| Memoranda: | ||
| Average total assets | $115,700,000 | 3,857 |
| Average earning assets | $106,477,000 | 3,867 |
| Average equity | $16,377,200 | 3,476 |
| Average total loans | $57,835,800 | 4,147 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0132% | 924 |
| Cost of funding earning assets | 0.3010% | 4,504 |
| Net interest margin | 4.7122% | 461 |
| Noninterest income to average assets | 0.8457% | 1,339 |
| Noninterest expense to average assets | 3.1251% | 1,700 |
| Loan and lease loss provision to assets | 0.0286% | 3,438 |
| Net operating income to assets | 1.4510% | 1,322 |
| Return on assets (ROA) | 1.4510% | 1,325 |
| Pretax return on assets | 2.0266% | 584 |
| Return on Equity (ROE) | 10.3719% | 2,448 |
| Retained earnings to average equity (ytd only) | 3.7054% | 3,919 |
| Net charge-offs to loans | -0.0606% | 5,003 |
| Credit loss provision to net charge-offs | -96.1538% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3269% | 3,769 |
| Assets per employee ($millions) | 3.8583% | 4,095 |
| Cash dividends to net income (ytd only)* | 64.2746% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6411% | 200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 48.0890% | 4,715 |
| Net loans and leases to deposits | 57.8985% | 4,649 |
| Net loans and leases to core deposits | 58.9832% | 4,742 |
| Total domestic deposits to total assets | 83.0575% | 3,293 |
| Equity capital to assets | 14.2765% | 885 |
| Core capital (leverage) ratio | 14.1947% | 887 |
| Tier 1 risk-based capital ratio | 23.7585% | 862 |
| Total risk-based capital ratio | 25.0194% | 846 |
| Memoranda: | ||
| Average total assets | $116,514,500 | 3,882 |
| Average earning assets | $107,181,000 | 3,896 |
| Average equity | $16,300,000 | 3,507 |
| Average total loans | $57,182,750 | 4,201 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 851 |
| Cost of funding earning assets | 0.2907% | 4,488 |
| Net interest margin | 4.6957% | 437 |
| Noninterest income to average assets | 0.7896% | 1,501 |
| Noninterest expense to average assets | 3.0899% | 1,814 |
| Loan and lease loss provision to assets | 0.0343% | 3,231 |
| Net operating income to assets | 1.4319% | 1,333 |
| Return on assets (ROA) | 1.4319% | 1,333 |
| Pretax return on assets | 1.9817% | 630 |
| Return on Equity (ROE) | 10.3051% | 2,422 |
| Retained earnings to average equity (ytd only) | 3.7720% | 3,714 |
| Net charge-offs to loans | -0.0699% | 5,039 |
| Credit loss provision to net charge-offs | -100.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5166% | 3,853 |
| Assets per employee ($millions) | 3.9080% | 4,044 |
| Cash dividends to net income (ytd only)* | 63.3971% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5584% | 232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 48.6971% | 4,673 |
| Net loans and leases to deposits | 58.2678% | 4,629 |
| Net loans and leases to core deposits | 59.5403% | 4,725 |
| Total domestic deposits to total assets | 83.5746% | 3,227 |
| Equity capital to assets | 13.9698% | 941 |
| Core capital (leverage) ratio | 14.1135% | 878 |
| Tier 1 risk-based capital ratio | 23.0757% | 928 |
| Total risk-based capital ratio | 24.3353% | 911 |
| Memoranda: | ||
| Average total assets | $116,769,330 | 3,914 |
| Average earning assets | $107,332,670 | 3,925 |
| Average equity | $16,225,000 | 3,531 |
| Average total loans | $57,186,000 | 4,236 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 865 |
| Cost of funding earning assets | 0.2731% | 4,559 |
| Net interest margin | 4.6307% | 471 |
| Noninterest income to average assets | 0.7620% | 1,586 |
| Noninterest expense to average assets | 3.1098% | 1,798 |
| Loan and lease loss provision to assets | 0.0686% | 2,394 |
| Net operating income to assets | 1.4176% | 1,294 |
| Return on assets (ROA) | 1.4176% | 1,302 |
| Pretax return on assets | 1.8329% | 851 |
| Return on Equity (ROE) | 10.2301% | 2,321 |
| Retained earnings to average equity (ytd only) | 3.7898% | 3,680 |
| Net charge-offs to loans | -0.0425% | 4,898 |
| Credit loss provision to net charge-offs | -333.3333% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0548% | 3,769 |
| Assets per employee ($millions) | 3.9603% | 4,044 |
| Cash dividends to net income (ytd only)* | 62.9540% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6280% | 221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 47.9077% | 4,702 |
| Net loans and leases to deposits | 57.4666% | 4,614 |
| Net loans and leases to core deposits | 58.7503% | 4,713 |
| Total domestic deposits to total assets | 83.3661% | 3,556 |
| Equity capital to assets | 14.1271% | 858 |
| Core capital (leverage) ratio | 14.0958% | 856 |
| Tier 1 risk-based capital ratio | 18.6248% | 1,658 |
| Total risk-based capital ratio | 19.8806% | 1,621 |
| Memoranda: | ||
| Average total assets | $116,534,500 | 3,959 |
| Average earning assets | $106,939,000 | 3,971 |
| Average equity | $16,148,500 | 3,567 |
| Average total loans | $56,483,500 | 4,294 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 1,102 |
| Cost of funding earning assets | 0.2960% | 4,176 |
| Net interest margin | 4.4421% | 696 |
| Noninterest income to average assets | 0.7864% | 1,623 |
| Noninterest expense to average assets | 2.9290% | 2,358 |
| Loan and lease loss provision to assets | 0.0657% | 2,895 |
| Net operating income to assets | 1.3151% | 1,190 |
| Return on assets (ROA) | 1.3151% | 1,205 |
| Pretax return on assets | 1.8692% | 649 |
| Return on Equity (ROE) | 10.1435% | 1,827 |
| Retained earnings to average equity (ytd only) | 3.5964% | 3,111 |
| Net charge-offs to loans | 0.1582% | 1,540 |
| Credit loss provision to net charge-offs | 90.9091% | 2,765 |
| Earnings coverage of net charge-offs (x) | 26.7841% | 1,659 |
| Efficiency ratio | 60.2194% | 4,230 |
| Assets per employee ($millions) | 3.8135% | 4,264 |
| Cash dividends to net income (ytd only)* | 64.5443% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5841% | 224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 5,068 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 46.5247% | 4,857 |
| Net loans and leases to deposits | 55.4071% | 4,829 |
| Net loans and leases to core deposits | 56.5982% | 4,908 |
| Total domestic deposits to total assets | 83.9687% | 3,223 |
| Equity capital to assets | 13.5951% | 1,023 |
| Core capital (leverage) ratio | 13.2650% | 1,052 |
| Tier 1 risk-based capital ratio | 23.4676% | 860 |
| Total risk-based capital ratio | 24.7277% | 845 |
| Memoranda: | ||
| Average total assets | $121,817,200 | 3,860 |
| Average earning assets | $111,816,000 | 3,884 |
| Average equity | $15,793,400 | 3,630 |
| Average total loans | $55,637,200 | 4,305 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 1,129 |
| Cost of funding earning assets | 0.2981% | 4,154 |
| Net interest margin | 4.4034% | 725 |
| Noninterest income to average assets | 0.7888% | 1,625 |
| Noninterest expense to average assets | 2.9085% | 2,374 |
| Loan and lease loss provision to assets | 0.0489% | 3,119 |
| Net operating income to assets | 1.3049% | 1,314 |
| Return on assets (ROA) | 1.3049% | 1,353 |
| Pretax return on assets | 1.8764% | 730 |
| Return on Equity (ROE) | 10.1839% | 2,045 |
| Retained earnings to average equity (ytd only) | 3.6716% | 3,740 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1708% | 4,185 |
| Assets per employee ($millions) | 4.2611% | 3,542 |
| Cash dividends to net income (ytd only)* | 63.9466% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6829% | 211 |
| Loan loss allowance to noncurrent loans | 1,575.0000% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,762 |
| Noncurrent loans to loans | 0.1703% | 4,384 |
| Net loans and leases to total assets | 44.3834% | 5,009 |
| Net loans and leases to deposits | 52.4346% | 5,032 |
| Net loans and leases to core deposits | 53.6555% | 5,080 |
| Total domestic deposits to total assets | 84.6453% | 2,863 |
| Equity capital to assets | 12.8970% | 1,443 |
| Core capital (leverage) ratio | 12.9314% | 1,240 |
| Tier 1 risk-based capital ratio | 23.3663% | 912 |
| Total risk-based capital ratio | 24.6272% | 895 |
| Memoranda: | ||
| Average total assets | $122,716,750 | 3,892 |
| Average earning assets | $112,728,000 | 3,905 |
| Average equity | $15,723,750 | 3,667 |
| Average total loans | $55,431,500 | 4,348 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 1,056 |
| Cost of funding earning assets | 0.3009% | 4,071 |
| Net interest margin | 4.4000% | 703 |
| Noninterest income to average assets | 0.7498% | 1,773 |
| Noninterest expense to average assets | 2.8734% | 2,505 |
| Loan and lease loss provision to assets | 0.0490% | 3,010 |
| Net operating income to assets | 1.3003% | 1,298 |
| Return on assets (ROA) | 1.3003% | 1,321 |
| Pretax return on assets | 1.8639% | 720 |
| Return on Equity (ROE) | 10.1708% | 1,962 |
| Retained earnings to average equity (ytd only) | 3.7438% | 3,469 |
| Net charge-offs to loans | 0.0073% | 3,200 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 585.5000% | 136 |
| Efficiency ratio | 60.0341% | 4,313 |
| Assets per employee ($millions) | 4.2863% | 3,457 |
| Cash dividends to net income (ytd only)* | 63.1910% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7307% | 215 |
| Loan loss allowance to noncurrent loans | 3,476.7442% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 5,012 |
| Noncurrent loans to loans | 0.0785% | 4,823 |
| Net loans and leases to total assets | 42.8413% | 5,105 |
| Net loans and leases to deposits | 50.4223% | 5,122 |
| Net loans and leases to core deposits | 51.5833% | 5,167 |
| Total domestic deposits to total assets | 84.9650% | 2,831 |
| Equity capital to assets | 12.7085% | 1,519 |
| Core capital (leverage) ratio | 12.5622% | 1,342 |
| Tier 1 risk-based capital ratio | 23.9185% | 860 |
| Total risk-based capital ratio | 25.1813% | 838 |
| Memoranda: | ||
| Average total assets | $122,432,000 | 3,919 |
| Average earning assets | $112,317,670 | 3,938 |
| Average equity | $15,652,670 | 3,681 |
| Average total loans | $55,123,000 | 4,384 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,022 |
| Cost of funding earning assets | 0.2983% | 4,061 |
| Net interest margin | 4.3557% | 695 |
| Noninterest income to average assets | 0.7111% | 1,914 |
| Noninterest expense to average assets | 2.8610% | 2,576 |
| Loan and lease loss provision to assets | 0.0494% | 2,821 |
| Net operating income to assets | 1.3004% | 1,239 |
| Return on assets (ROA) | 1.3004% | 1,275 |
| Pretax return on assets | 1.7910% | 820 |
| Return on Equity (ROE) | 10.1409% | 1,907 |
| Retained earnings to average equity (ytd only) | 3.9280% | 3,484 |
| Net charge-offs to loans | 0.0579% | 1,755 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 69.8750% | 723 |
| Efficiency ratio | 60.8543% | 4,340 |
| Assets per employee ($millions) | 4.4069% | 3,320 |
| Cash dividends to net income (ytd only)* | 61.2658% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7063% | 251 |
| Loan loss allowance to noncurrent loans | 9,212.5000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 5,133 |
| Noncurrent loans to loans | 0.0294% | 5,098 |
| Net loans and leases to total assets | 42.9454% | 5,107 |
| Net loans and leases to deposits | 50.5239% | 5,095 |
| Net loans and leases to core deposits | 51.8249% | 5,151 |
| Total domestic deposits to total assets | 85.0001% | 3,091 |
| Equity capital to assets | 12.6886% | 1,411 |
| Core capital (leverage) ratio | 12.8397% | 1,203 |
| Tier 1 risk-based capital ratio | 23.6154% | 905 |
| Total risk-based capital ratio | 24.8763% | 886 |
| Memoranda: | ||
| Average total assets | $121,496,500 | 3,969 |
| Average earning assets | $111,303,500 | 3,993 |
| Average equity | $15,580,500 | 3,713 |
| Average total loans | $55,310,500 | 4,414 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 972 |
| Cost of funding earning assets | 0.3144% | 3,904 |
| Net interest margin | 4.4327% | 720 |
| Noninterest income to average assets | 0.6969% | 2,188 |
| Noninterest expense to average assets | 2.8285% | 2,926 |
| Loan and lease loss provision to assets | 0.0637% | 3,102 |
| Net operating income to assets | 1.2364% | 1,390 |
| Return on assets (ROA) | 1.2364% | 1,477 |
| Pretax return on assets | 1.8541% | 685 |
| Return on Equity (ROE) | 9.9398% | 1,981 |
| Retained earnings to average equity (ytd only) | 3.4707% | 3,456 |
| Net charge-offs to loans | 0.1277% | 1,967 |
| Credit loss provision to net charge-offs | 111.4286% | 2,354 |
| Earnings coverage of net charge-offs (x) | 33.5714% | 1,334 |
| Efficiency ratio | 59.5942% | 4,645 |
| Assets per employee ($millions) | 4.2714% | 3,487 |
| Cash dividends to net income (ytd only)* | 65.0825% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6124% | 276 |
| Loan loss allowance to noncurrent loans | 2,619.6429% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 5,068 |
| Noncurrent loans to loans | 0.0997% | 4,840 |
| Net loans and leases to total assets | 45.7261% | 5,033 |
| Net loans and leases to deposits | 54.0427% | 5,008 |
| Net loans and leases to core deposits | 55.4842% | 5,070 |
| Total domestic deposits to total assets | 84.6111% | 3,204 |
| Equity capital to assets | 12.9633% | 1,273 |
| Core capital (leverage) ratio | 12.8053% | 1,211 |
| Tier 1 risk-based capital ratio | 22.8258% | 980 |
| Total risk-based capital ratio | 24.0861% | 967 |
| Memoranda: | ||
| Average total assets | $122,536,600 | 3,948 |
| Average earning assets | $111,941,800 | 3,971 |
| Average equity | $15,241,800 | 3,786 |
| Average total loans | $54,801,000 | 4,436 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 1,000 |
| Cost of funding earning assets | 0.3152% | 3,925 |
| Net interest margin | 4.4232% | 743 |
| Noninterest income to average assets | 0.6284% | 2,528 |
| Noninterest expense to average assets | 2.7927% | 3,033 |
| Loan and lease loss provision to assets | 0.0519% | 3,213 |
| Net operating income to assets | 1.2341% | 1,503 |
| Return on assets (ROA) | 1.2341% | 1,608 |
| Pretax return on assets | 1.8214% | 862 |
| Return on Equity (ROE) | 10.0242% | 2,043 |
| Retained earnings to average equity (ytd only) | 3.5405% | 3,777 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8516% | 4,563 |
| Assets per employee ($millions) | 4.5217% | 3,053 |
| Cash dividends to net income (ytd only)* | 64.6802% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6348% | 282 |
| Loan loss allowance to noncurrent loans | 1,408.4112% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 5,092 |
| Noncurrent loans to loans | 0.1871% | 4,596 |
| Net loans and leases to total assets | 45.6146% | 5,113 |
| Net loans and leases to deposits | 53.6358% | 5,133 |
| Net loans and leases to core deposits | 55.0488% | 5,193 |
| Total domestic deposits to total assets | 85.0450% | 2,785 |
| Equity capital to assets | 12.5960% | 1,712 |
| Core capital (leverage) ratio | 12.4500% | 1,416 |
| Tier 1 risk-based capital ratio | 22.2450% | 1,102 |
| Total risk-based capital ratio | 23.5064% | 1,083 |
| Memoranda: | ||
| Average total assets | $123,271,000 | 3,960 |
| Average earning assets | $112,525,500 | 3,983 |
| Average equity | $15,176,250 | 3,818 |
| Average total loans | $54,462,500 | 4,483 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 1,043 |
| Cost of funding earning assets | 0.3163% | 3,951 |
| Net interest margin | 4.3875% | 784 |
| Noninterest income to average assets | 0.5466% | 2,919 |
| Noninterest expense to average assets | 2.7768% | 3,104 |
| Loan and lease loss provision to assets | 0.0162% | 3,787 |
| Net operating income to assets | 1.2259% | 1,515 |
| Return on assets (ROA) | 1.2259% | 1,611 |
| Pretax return on assets | 1.7466% | 985 |
| Return on Equity (ROE) | 10.0338% | 2,036 |
| Retained earnings to average equity (ytd only) | 3.5476% | 3,635 |
| Net charge-offs to loans | -0.0411% | 5,285 |
| Credit loss provision to net charge-offs | -90.9091% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1685% | 4,485 |
| Assets per employee ($millions) | 4.5853% | 2,891 |
| Cash dividends to net income (ytd only)* | 64.6438% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6343% | 304 |
| Loan loss allowance to noncurrent loans | 1,423.0769% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 5,041 |
| Noncurrent loans to loans | 0.1851% | 4,694 |
| Net loans and leases to total assets | 44.1839% | 5,219 |
| Net loans and leases to deposits | 51.6715% | 5,261 |
| Net loans and leases to core deposits | 54.3710% | 5,257 |
| Total domestic deposits to total assets | 85.5092% | 2,639 |
| Equity capital to assets | 12.3123% | 1,898 |
| Core capital (leverage) ratio | 12.1616% | 1,530 |
| Tier 1 risk-based capital ratio | 21.8003% | 1,158 |
| Total risk-based capital ratio | 23.0603% | 1,142 |
| Memoranda: | ||
| Average total assets | $123,666,000 | 3,984 |
| Average earning assets | $112,547,670 | 4,004 |
| Average equity | $15,109,000 | 3,845 |
| Average total loans | $53,551,330 | 4,538 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,216 |
| Cost of funding earning assets | 0.3249% | 3,900 |
| Net interest margin | 4.2946% | 941 |
| Noninterest income to average assets | 0.4369% | 3,561 |
| Noninterest expense to average assets | 2.6861% | 3,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2233% | 1,481 |
| Return on assets (ROA) | 1.2233% | 1,588 |
| Pretax return on assets | 1.6440% | 1,198 |
| Return on Equity (ROE) | 10.0519% | 1,964 |
| Retained earnings to average equity (ytd only) | 3.5634% | 3,713 |
| Net charge-offs to loans | -0.0919% | 5,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0329% | 4,438 |
| Assets per employee ($millions) | 4.3491% | 3,327 |
| Cash dividends to net income (ytd only)* | 64.5503% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6908% | 317 |
| Loan loss allowance to noncurrent loans | 2,263.0769% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 5,176 |
| Noncurrent loans to loans | 0.1189% | 5,001 |
| Net loans and leases to total assets | 42.1772% | 5,344 |
| Net loans and leases to deposits | 49.0525% | 5,381 |
| Net loans and leases to core deposits | 51.5480% | 5,375 |
| Total domestic deposits to total assets | 85.9837% | 2,680 |
| Equity capital to assets | 11.9794% | 2,041 |
| Core capital (leverage) ratio | 12.1607% | 1,519 |
| Tier 1 risk-based capital ratio | 22.3923% | 1,104 |
| Total risk-based capital ratio | 23.6536% | 1,080 |
| Memoranda: | ||
| Average total assets | $123,597,500 | 4,014 |
| Average earning assets | $112,047,500 | 4,042 |
| Average equity | $15,042,000 | 3,863 |
| Average total loans | $52,236,500 | 4,610 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 1,384 |
| Cost of funding earning assets | 0.3238% | 3,978 |
| Net interest margin | 4.2567% | 1,050 |
| Noninterest income to average assets | 0.5149% | 3,231 |
| Noninterest expense to average assets | 2.7372% | 3,457 |
| Loan and lease loss provision to assets | 0.0506% | 3,310 |
| Net operating income to assets | 1.2390% | 1,424 |
| Return on assets (ROA) | 1.2390% | 1,476 |
| Pretax return on assets | 1.6332% | 1,157 |
| Return on Equity (ROE) | 9.9753% | 2,020 |
| Retained earnings to average equity (ytd only) | 3.4927% | 3,572 |
| Net charge-offs to loans | 0.0540% | 3,126 |
| Credit loss provision to net charge-offs | 222.2222% | 1,275 |
| Earnings coverage of net charge-offs (x) | 73.8889% | 739 |
| Efficiency ratio | 61.9129% | 4,618 |
| Assets per employee ($millions) | 4.4841% | 3,071 |
| Cash dividends to net income (ytd only)* | 64.9864% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9294% | 244 |
| Loan loss allowance to noncurrent loans | 1,402.8846% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 5,045 |
| Noncurrent loans to loans | 0.2088% | 4,669 |
| Net loans and leases to total assets | 39.9331% | 5,517 |
| Net loans and leases to deposits | 46.6368% | 5,535 |
| Net loans and leases to core deposits | 49.3861% | 5,524 |
| Total domestic deposits to total assets | 85.6257% | 2,802 |
| Equity capital to assets | 12.3689% | 1,689 |
| Core capital (leverage) ratio | 12.4897% | 1,355 |
| Tier 1 risk-based capital ratio | 21.8240% | 1,177 |
| Total risk-based capital ratio | 23.0847% | 1,150 |
| Memoranda: | ||
| Average total assets | $118,478,200 | 4,090 |
| Average earning assets | $108,722,000 | 4,085 |
| Average equity | $14,716,400 | 3,878 |
| Average total loans | $49,964,200 | 4,671 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 1,409 |
| Cost of funding earning assets | 0.3232% | 4,070 |
| Net interest margin | 4.2475% | 1,059 |
| Noninterest income to average assets | 0.5284% | 3,179 |
| Noninterest expense to average assets | 2.7474% | 3,395 |
| Loan and lease loss provision to assets | 0.0453% | 3,303 |
| Net operating income to assets | 1.2470% | 1,498 |
| Return on assets (ROA) | 1.2470% | 1,551 |
| Pretax return on assets | 1.6464% | 1,253 |
| Return on Equity (ROE) | 10.0282% | 2,093 |
| Retained earnings to average equity (ytd only) | 3.5035% | 3,973 |
| Net charge-offs to loans | -0.0213% | 5,226 |
| Credit loss provision to net charge-offs | -500.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8914% | 4,589 |
| Assets per employee ($millions) | 4.0663% | 3,769 |
| Cash dividends to net income (ytd only)* | 65.0636% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9405% | 263 |
| Loan loss allowance to noncurrent loans | 1,238.6555% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 5,150 |
| Noncurrent loans to loans | 0.2374% | 4,722 |
| Net loans and leases to total assets | 41.2588% | 5,528 |
| Net loans and leases to deposits | 48.3436% | 5,547 |
| Net loans and leases to core deposits | 51.3087% | 5,533 |
| Total domestic deposits to total assets | 85.3448% | 2,852 |
| Equity capital to assets | 12.5895% | 1,693 |
| Core capital (leverage) ratio | 12.5079% | 1,415 |
| Tier 1 risk-based capital ratio | 23.5013% | 998 |
| Total risk-based capital ratio | 24.7645% | 984 |
| Memoranda: | ||
| Average total assets | $117,830,250 | 4,146 |
| Average earning assets | $108,484,500 | 4,133 |
| Average equity | $14,651,750 | 3,925 |
| Average total loans | $50,003,750 | 4,715 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 1,391 |
| Cost of funding earning assets | 0.3208% | 4,147 |
| Net interest margin | 4.2347% | 1,041 |
| Noninterest income to average assets | 0.5450% | 3,073 |
| Noninterest expense to average assets | 2.7640% | 3,369 |
| Loan and lease loss provision to assets | 0.0238% | 3,662 |
| Net operating income to assets | 1.2428% | 1,482 |
| Return on assets (ROA) | 1.2428% | 1,548 |
| Pretax return on assets | 1.6571% | 1,176 |
| Return on Equity (ROE) | 10.0363% | 2,051 |
| Retained earnings to average equity (ytd only) | 3.4963% | 3,814 |
| Net charge-offs to loans | -0.0640% | 5,635 |
| Credit loss provision to net charge-offs | -87.5000% | 4,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1849% | 4,650 |
| Assets per employee ($millions) | 4.1448% | 3,578 |
| Cash dividends to net income (ytd only)* | 65.1639% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9408% | 287 |
| Loan loss allowance to noncurrent loans | 1,244.4444% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 5,275 |
| Noncurrent loans to loans | 0.2363% | 4,820 |
| Net loans and leases to total assets | 39.9787% | 5,633 |
| Net loans and leases to deposits | 46.5883% | 5,645 |
| Net loans and leases to core deposits | 49.2432% | 5,640 |
| Total domestic deposits to total assets | 85.8127% | 2,789 |
| Equity capital to assets | 12.2430% | 1,842 |
| Core capital (leverage) ratio | 12.4542% | 1,401 |
| Tier 1 risk-based capital ratio | 23.7973% | 979 |
| Total risk-based capital ratio | 25.0619% | 962 |
| Memoranda: | ||
| Average total assets | $117,799,000 | 4,192 |
| Average earning assets | $108,485,000 | 4,177 |
| Average equity | $14,587,000 | 3,950 |
| Average total loans | $49,962,330 | 4,751 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 1,142 |
| Cost of funding earning assets | 0.3246% | 4,168 |
| Net interest margin | 4.3166% | 846 |
| Noninterest income to average assets | 0.4288% | 3,772 |
| Noninterest expense to average assets | 2.7547% | 3,402 |
| Loan and lease loss provision to assets | 0.0172% | 3,499 |
| Net operating income to assets | 1.2522% | 1,400 |
| Return on assets (ROA) | 1.2522% | 1,487 |
| Pretax return on assets | 1.6261% | 1,204 |
| Return on Equity (ROE) | 10.0534% | 1,976 |
| Retained earnings to average equity (ytd only) | 3.3878% | 3,947 |
| Net charge-offs to loans | -0.0319% | 5,287 |
| Credit loss provision to net charge-offs | -125.0000% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6365% | 4,684 |
| Assets per employee ($millions) | 3.9177% | 4,127 |
| Cash dividends to net income (ytd only)* | 66.3014% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8806% | 336 |
| Loan loss allowance to noncurrent loans | 388.8889% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 4,525 |
| Noncurrent loans to loans | 0.7407% | 3,407 |
| Net loans and leases to total assets | 41.1648% | 5,538 |
| Net loans and leases to deposits | 48.0819% | 5,560 |
| Net loans and leases to core deposits | 50.5612% | 5,561 |
| Total domestic deposits to total assets | 85.6139% | 3,129 |
| Equity capital to assets | 12.4087% | 1,749 |
| Core capital (leverage) ratio | 12.4257% | 1,393 |
| Tier 1 risk-based capital ratio | 15.4652% | 3,165 |
| Total risk-based capital ratio | 15.7420% | 3,649 |
| Memoranda: | ||
| Average total assets | $116,599,000 | 4,246 |
| Average earning assets | $107,213,500 | 4,231 |
| Average equity | $14,522,500 | 3,989 |
| Average total loans | $50,188,500 | 4,778 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 859 |
| Cost of funding earning assets | 0.3650% | 4,082 |
| Net interest margin | 4.5776% | 642 |
| Noninterest income to average assets | 0.6985% | 2,310 |
| Noninterest expense to average assets | 3.0384% | 2,728 |
| Loan and lease loss provision to assets | 0.0667% | 3,163 |
| Net operating income to assets | 1.2495% | 1,433 |
| Return on assets (ROA) | 1.2495% | 1,499 |
| Pretax return on assets | 1.7729% | 841 |
| Return on Equity (ROE) | 9.9020% | 2,161 |
| Retained earnings to average equity (ytd only) | 4.1270% | 3,267 |
| Net charge-offs to loans | 0.0513% | 3,803 |
| Credit loss provision to net charge-offs | 288.4615% | 887 |
| Earnings coverage of net charge-offs (x) | 79.6154% | 627 |
| Efficiency ratio | 62.2882% | 4,867 |
| Assets per employee ($millions) | 3.9886% | 3,981 |
| Cash dividends to net income (ytd only)* | 58.3215% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8204% | 362 |
| Loan loss allowance to noncurrent loans | 398.3240% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 4,585 |
| Noncurrent loans to loans | 0.7081% | 3,555 |
| Net loans and leases to total assets | 42.4793% | 5,581 |
| Net loans and leases to deposits | 49.7101% | 5,592 |
| Net loans and leases to core deposits | 52.1797% | 5,604 |
| Total domestic deposits to total assets | 85.4541% | 3,101 |
| Equity capital to assets | 12.5022% | 1,649 |
| Core capital (leverage) ratio | 12.5925% | 1,310 |
| Tier 1 risk-based capital ratio | 21.2737% | 1,346 |
| Total risk-based capital ratio | 22.5344% | 1,321 |
| Memoranda: | ||
| Average total assets | $112,528,000 | 4,330 |
| Average earning assets | $102,739,600 | 4,333 |
| Average equity | $14,199,200 | 3,992 |
| Average total loans | $50,641,200 | 4,798 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9885% | 788 |
| Cost of funding earning assets | 0.3730% | 4,095 |
| Net interest margin | 4.6156% | 597 |
| Noninterest income to average assets | 0.7350% | 2,155 |
| Noninterest expense to average assets | 3.0116% | 2,768 |
| Loan and lease loss provision to assets | 0.0895% | 2,565 |
| Net operating income to assets | 1.2612% | 1,496 |
| Return on assets (ROA) | 1.2612% | 1,549 |
| Pretax return on assets | 1.8423% | 814 |
| Return on Equity (ROE) | 9.9712% | 2,233 |
| Retained earnings to average equity (ytd only) | 4.7450% | 3,247 |
| Net charge-offs to loans | 0.0605% | 3,346 |
| Credit loss provision to net charge-offs | 326.0870% | 855 |
| Earnings coverage of net charge-offs (x) | 70.3818% | 777 |
| Efficiency ratio | 60.9220% | 5,054 |
| Assets per employee ($millions) | 4.0795% | 3,710 |
| Cash dividends to net income (ytd only)* | 52.4125% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8505% | 420 |
| Loan loss allowance to noncurrent loans | 5,292.5926% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 5,833 |
| Noncurrent loans to loans | 0.0539% | 5,803 |
| Net loans and leases to total assets | 42.6378% | 5,624 |
| Net loans and leases to deposits | 49.9288% | 5,655 |
| Net loans and leases to core deposits | 52.4433% | 5,662 |
| Total domestic deposits to total assets | 85.3972% | 3,161 |
| Equity capital to assets | 12.5874% | 1,644 |
| Core capital (leverage) ratio | 12.4868% | 1,408 |
| Tier 1 risk-based capital ratio | 21.3526% | 1,384 |
| Total risk-based capital ratio | 22.6135% | 1,353 |
| Memoranda: | ||
| Average total assets | $111,743,000 | 4,384 |
| Average earning assets | $101,884,250 | 4,391 |
| Average equity | $14,133,750 | 4,026 |
| Average total loans | $50,661,250 | 4,843 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 715 |
| Cost of funding earning assets | 0.3826% | 4,070 |
| Net interest margin | 4.6430% | 537 |
| Noninterest income to average assets | 0.7645% | 1,988 |
| Noninterest expense to average assets | 3.0438% | 2,674 |
| Loan and lease loss provision to assets | 0.0721% | 2,829 |
| Net operating income to assets | 1.2640% | 1,410 |
| Return on assets (ROA) | 1.2640% | 1,470 |
| Pretax return on assets | 1.8717% | 725 |
| Return on Equity (ROE) | 9.9770% | 2,160 |
| Retained earnings to average equity (ytd only) | 5.0810% | 2,911 |
| Net charge-offs to loans | 0.1141% | 2,520 |
| Credit loss provision to net charge-offs | 137.9310% | 1,542 |
| Earnings coverage of net charge-offs (x) | 37.1724% | 1,111 |
| Efficiency ratio | 61.0268% | 5,143 |
| Assets per employee ($millions) | 3.9403% | 3,971 |
| Cash dividends to net income (ytd only)* | 49.0728% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6588% | 563 |
| Loan loss allowance to noncurrent loans | 5,140.7407% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 5,834 |
| Noncurrent loans to loans | 0.0517% | 5,889 |
| Net loans and leases to total assets | 46.0594% | 5,357 |
| Net loans and leases to deposits | 54.0550% | 5,352 |
| Net loans and leases to core deposits | 57.0601% | 5,338 |
| Total domestic deposits to total assets | 85.2085% | 3,406 |
| Equity capital to assets | 12.9007% | 1,423 |
| Core capital (leverage) ratio | 12.7179% | 1,280 |
| Tier 1 risk-based capital ratio | 20.8796% | 1,466 |
| Total risk-based capital ratio | 22.1397% | 1,444 |
| Memoranda: | ||
| Average total assets | $110,915,670 | 4,425 |
| Average earning assets | $100,883,330 | 4,448 |
| Average equity | $14,052,330 | 4,041 |
| Average total loans | $50,837,670 | 4,863 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 837 |
| Cost of funding earning assets | 0.3791% | 4,208 |
| Net interest margin | 4.5417% | 610 |
| Noninterest income to average assets | 0.7373% | 2,002 |
| Noninterest expense to average assets | 2.9710% | 2,977 |
| Loan and lease loss provision to assets | 0.0180% | 3,596 |
| Net operating income to assets | 1.2373% | 1,378 |
| Return on assets (ROA) | 1.2373% | 1,436 |
| Pretax return on assets | 1.8847% | 671 |
| Return on Equity (ROE) | 9.8553% | 2,097 |
| Retained earnings to average equity (ytd only) | 4.9850% | 3,116 |
| Net charge-offs to loans | -0.0798% | 6,029 |
| Credit loss provision to net charge-offs | -50.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9594% | 5,269 |
| Assets per employee ($millions) | 4.0325% | 3,877 |
| Cash dividends to net income (ytd only)* | 49.4186% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7015% | 624 |
| Loan loss allowance to noncurrent loans | 1,150.4132% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 5,386 |
| Noncurrent loans to loans | 0.2348% | 5,397 |
| Net loans and leases to total assets | 44.4021% | 5,471 |
| Net loans and leases to deposits | 51.7865% | 5,465 |
| Net loans and leases to core deposits | 54.5872% | 5,463 |
| Total domestic deposits to total assets | 85.7407% | 3,499 |
| Equity capital to assets | 12.4428% | 1,612 |
| Core capital (leverage) ratio | 12.6935% | 1,299 |
| Tier 1 risk-based capital ratio | 20.5383% | 1,577 |
| Total risk-based capital ratio | 21.7984% | 1,543 |
| Memoranda: | ||
| Average total assets | $111,210,000 | 4,461 |
| Average earning assets | $101,283,500 | 4,474 |
| Average equity | $13,962,000 | 4,052 |
| Average total loans | $50,154,500 | 4,923 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7971% | 1,326 |
| Cost of funding earning assets | 0.4167% | 4,462 |
| Net interest margin | 4.3803% | 945 |
| Noninterest income to average assets | 0.8542% | 1,850 |
| Noninterest expense to average assets | 3.1861% | 2,460 |
| Loan and lease loss provision to assets | 0.0356% | 4,410 |
| Net operating income to assets | 1.2343% | 1,438 |
| Return on assets (ROA) | 1.2343% | 1,501 |
| Pretax return on assets | 1.6282% | 1,102 |
| Return on Equity (ROE) | 10.0044% | 2,113 |
| Retained earnings to average equity (ytd only) | 5.0392% | 2,569 |
| Net charge-offs to loans | 0.1185% | 3,622 |
| Credit loss provision to net charge-offs | 70.9091% | 3,284 |
| Earnings coverage of net charge-offs (x) | 33.1818% | 1,087 |
| Efficiency ratio | 65.6955% | 4,612 |
| Assets per employee ($millions) | 3.9111% | 4,048 |
| Cash dividends to net income (ytd only)* | 49.6307% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8227% | 577 |
| Loan loss allowance to noncurrent loans | 918.0000% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 5,329 |
| Noncurrent loans to loans | 0.3075% | 5,264 |
| Net loans and leases to total assets | 43.2888% | 5,738 |
| Net loans and leases to deposits | 50.6058% | 5,723 |
| Net loans and leases to core deposits | 53.4538% | 5,711 |
| Total domestic deposits to total assets | 85.5412% | 3,489 |
| Equity capital to assets | 12.6700% | 1,438 |
| Core capital (leverage) ratio | 12.7524% | 1,235 |
| Tier 1 risk-based capital ratio | 21.1926% | 1,389 |
| Total risk-based capital ratio | 22.4542% | 1,371 |
| Memoranda: | ||
| Average total assets | $109,695,000 | 4,505 |
| Average earning assets | $100,061,200 | 4,519 |
| Average equity | $13,534,000 | 4,161 |
| Average total loans | $46,406,000 | 5,096 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7639% | 1,434 |
| Cost of funding earning assets | 0.4258% | 4,547 |
| Net interest margin | 4.3380% | 1,012 |
| Noninterest income to average assets | 0.9015% | 1,752 |
| Noninterest expense to average assets | 3.1406% | 2,529 |
| Loan and lease loss provision to assets | 0.0474% | 4,069 |
| Net operating income to assets | 1.2307% | 1,532 |
| Return on assets (ROA) | 1.2307% | 1,605 |
| Pretax return on assets | 1.6742% | 1,158 |
| Return on Equity (ROE) | 10.0428% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.0759% | 3,024 |
| Net charge-offs to loans | 0.1310% | 3,225 |
| Credit loss provision to net charge-offs | 86.6667% | 2,699 |
| Earnings coverage of net charge-offs (x) | 31.4882% | 1,199 |
| Efficiency ratio | 64.5927% | 4,710 |
| Assets per employee ($millions) | 4.0440% | 3,745 |
| Cash dividends to net income (ytd only)* | 49.4569% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0477% | 523 |
| Loan loss allowance to noncurrent loans | 788.0682% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 4,960 |
| Noncurrent loans to loans | 0.3867% | 5,229 |
| Net loans and leases to total assets | 40.4088% | 6,003 |
| Net loans and leases to deposits | 47.1424% | 6,024 |
| Net loans and leases to core deposits | 49.8796% | 6,026 |
| Total domestic deposits to total assets | 85.7165% | 3,395 |
| Equity capital to assets | 12.5516% | 1,553 |
| Core capital (leverage) ratio | 12.5582% | 1,390 |
| Tier 1 risk-based capital ratio | 21.6827% | 1,365 |
| Total risk-based capital ratio | 22.9452% | 1,344 |
| Memoranda: | ||
| Average total assets | $109,741,000 | 4,540 |
| Average earning assets | $100,196,250 | 4,554 |
| Average equity | $13,448,750 | 4,224 |
| Average total loans | $45,811,750 | 5,173 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 1,408 |
| Cost of funding earning assets | 0.4345% | 4,611 |
| Net interest margin | 4.3315% | 975 |
| Noninterest income to average assets | 0.9079% | 1,793 |
| Noninterest expense to average assets | 3.1330% | 2,572 |
| Loan and lease loss provision to assets | 0.0710% | 3,613 |
| Net operating income to assets | 1.2263% | 1,521 |
| Return on assets (ROA) | 1.2263% | 1,626 |
| Pretax return on assets | 1.6575% | 1,221 |
| Return on Equity (ROE) | 10.0873% | 2,164 |
| Retained earnings to average equity (ytd only) | 5.1185% | 2,973 |
| Net charge-offs to loans | -0.0131% | 5,828 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4461% | 4,797 |
| Assets per employee ($millions) | 3.7604% | 4,284 |
| Cash dividends to net income (ytd only)* | 49.2582% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1162% | 518 |
| Loan loss allowance to noncurrent loans | 458.4665% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 4,471 |
| Noncurrent loans to loans | 0.6797% | 4,578 |
| Net loans and leases to total assets | 40.9111% | 5,974 |
| Net loans and leases to deposits | 47.6864% | 6,001 |
| Net loans and leases to core deposits | 50.7698% | 5,977 |
| Total domestic deposits to total assets | 85.7920% | 3,484 |
| Equity capital to assets | 12.4116% | 1,635 |
| Core capital (leverage) ratio | 12.1626% | 1,530 |
| Tier 1 risk-based capital ratio | 21.4474% | 1,394 |
| Total risk-based capital ratio | 22.7103% | 1,364 |
| Memoranda: | ||
| Average total assets | $109,925,000 | 4,570 |
| Average earning assets | $100,335,330 | 4,578 |
| Average equity | $13,363,330 | 4,265 |
| Average total loans | $45,912,670 | 5,191 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 1,391 |
| Cost of funding earning assets | 0.4467% | 4,628 |
| Net interest margin | 4.3079% | 956 |
| Noninterest income to average assets | 0.8844% | 1,815 |
| Noninterest expense to average assets | 3.1279% | 2,589 |
| Loan and lease loss provision to assets | 0.0725% | 3,421 |
| Net operating income to assets | 1.2069% | 1,508 |
| Return on assets (ROA) | 1.2069% | 1,619 |
| Pretax return on assets | 1.5984% | 1,309 |
| Return on Equity (ROE) | 10.0320% | 2,052 |
| Retained earnings to average equity (ytd only) | 5.0913% | 3,179 |
| Net charge-offs to loans | 0.1745% | 2,350 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 23.0500% | 1,117 |
| Efficiency ratio | 65.1813% | 4,800 |
| Assets per employee ($millions) | 3.7836% | 4,391 |
| Cash dividends to net income (ytd only)* | 49.2492% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9762% | 674 |
| Loan loss allowance to noncurrent loans | 960.6897% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 5,080 |
| Noncurrent loans to loans | 0.3098% | 5,624 |
| Net loans and leases to total assets | 40.0065% | 5,992 |
| Net loans and leases to deposits | 46.2575% | 6,042 |
| Net loans and leases to core deposits | 48.8416% | 6,045 |
| Total domestic deposits to total assets | 86.4865% | 3,242 |
| Equity capital to assets | 11.7718% | 2,201 |
| Core capital (leverage) ratio | 12.1408% | 1,496 |
| Tier 1 risk-based capital ratio | 20.8144% | 1,580 |
| Total risk-based capital ratio | 22.0761% | 1,551 |
| Memoranda: | ||
| Average total assets | $110,362,000 | 4,607 |
| Average earning assets | $100,281,000 | 4,617 |
| Average equity | $13,277,500 | 4,334 |
| Average total loans | $45,844,500 | 5,219 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0039% | 1,547 |
| Cost of funding earning assets | 0.4955% | 5,248 |
| Net interest margin | 4.5084% | 933 |
| Noninterest income to average assets | 1.1038% | 1,273 |
| Noninterest expense to average assets | 3.3718% | 2,124 |
| Loan and lease loss provision to assets | 0.2000% | 3,138 |
| Net operating income to assets | 1.2397% | 1,475 |
| Return on assets (ROA) | 1.2499% | 1,607 |
| Pretax return on assets | 1.6479% | 1,268 |
| Return on Equity (ROE) | 10.1053% | 2,127 |
| Retained earnings to average equity (ytd only) | 5.1070% | 2,638 |
| Net charge-offs to loans | 0.1888% | 3,864 |
| Credit loss provision to net charge-offs | 250.6024% | 970 |
| Earnings coverage of net charge-offs (x) | 22.9880% | 1,236 |
| Efficiency ratio | 64.7645% | 4,746 |
| Assets per employee ($millions) | 3.5738% | 4,846 |
| Cash dividends to net income (ytd only)* | 49.4615% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1035% | 600 |
| Loan loss allowance to noncurrent loans | 473.8095% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 4,763 |
| Noncurrent loans to loans | 0.6550% | 4,890 |
| Net loans and leases to total assets | 40.5652% | 6,134 |
| Net loans and leases to deposits | 47.2529% | 6,158 |
| Net loans and leases to core deposits | 49.6456% | 6,167 |
| Total domestic deposits to total assets | 85.8471% | 3,430 |
| Equity capital to assets | 12.3052% | 1,855 |
| Core capital (leverage) ratio | 12.4547% | 1,341 |
| Tier 1 risk-based capital ratio | 21.5762% | 1,340 |
| Total risk-based capital ratio | 22.8371% | 1,314 |
| Memoranda: | ||
| Average total assets | $104,008,600 | 4,732 |
| Average earning assets | $94,645,600 | 4,740 |
| Average equity | $12,864,600 | 4,387 |
| Average total loans | $43,950,800 | 5,332 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 1,635 |
| Cost of funding earning assets | 0.5083% | 5,388 |
| Net interest margin | 4.5150% | 963 |
| Noninterest income to average assets | 1.0981% | 1,244 |
| Noninterest expense to average assets | 3.2491% | 2,427 |
| Loan and lease loss provision to assets | 0.2106% | 2,965 |
| Net operating income to assets | 1.2383% | 1,608 |
| Return on assets (ROA) | 1.2518% | 1,736 |
| Pretax return on assets | 1.7776% | 1,101 |
| Return on Equity (ROE) | 10.1073% | 2,295 |
| Retained earnings to average equity (ytd only) | 5.1111% | 3,287 |
| Net charge-offs to loans | -0.0213% | 6,512 |
| Credit loss provision to net charge-offs | -2,328.5714% | 6,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2679% | 5,108 |
| Assets per employee ($millions) | 4.1010% | 3,678 |
| Cash dividends to net income (ytd only)* | 49.4323% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2791% | 560 |
| Loan loss allowance to noncurrent loans | 473.0263% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 4,780 |
| Noncurrent loans to loans | 0.6932% | 5,050 |
| Net loans and leases to total assets | 39.7796% | 6,302 |
| Net loans and leases to deposits | 46.2627% | 6,366 |
| Net loans and leases to core deposits | 49.0307% | 6,349 |
| Total domestic deposits to total assets | 85.9864% | 3,267 |
| Equity capital to assets | 12.2166% | 2,101 |
| Core capital (leverage) ratio | 12.4613% | 1,429 |
| Tier 1 risk-based capital ratio | 21.5103% | 1,421 |
| Total risk-based capital ratio | 22.7752% | 1,391 |
| Memoranda: | ||
| Average total assets | $103,207,000 | 4,797 |
| Average earning assets | $94,172,250 | 4,793 |
| Average equity | $12,782,500 | 4,451 |
| Average total loans | $43,717,250 | 5,401 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 1,370 |
| Cost of funding earning assets | 0.5232% | 5,466 |
| Net interest margin | 4.6289% | 785 |
| Noninterest income to average assets | 1.0738% | 1,243 |
| Noninterest expense to average assets | 3.1822% | 2,653 |
| Loan and lease loss provision to assets | 0.1607% | 3,506 |
| Net operating income to assets | 1.2737% | 1,506 |
| Return on assets (ROA) | 1.2737% | 1,673 |
| Pretax return on assets | 1.9438% | 775 |
| Return on Equity (ROE) | 10.2351% | 2,268 |
| Retained earnings to average equity (ytd only) | 5.2435% | 3,129 |
| Net charge-offs to loans | -0.0824% | 6,816 |
| Credit loss provision to net charge-offs | -455.5556% | 6,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1927% | 5,542 |
| Assets per employee ($millions) | 3.8269% | 4,253 |
| Cash dividends to net income (ytd only)* | 48.7692% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2274% | 627 |
| Loan loss allowance to noncurrent loans | 295.4644% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.9746% | 4,425 |
| Noncurrent loans to loans | 1.0923% | 4,341 |
| Net loans and leases to total assets | 39.6990% | 6,368 |
| Net loans and leases to deposits | 46.2739% | 6,417 |
| Net loans and leases to core deposits | 49.4324% | 6,374 |
| Total domestic deposits to total assets | 85.7914% | 3,463 |
| Equity capital to assets | 12.4549% | 1,845 |
| Core capital (leverage) ratio | 12.2783% | 1,456 |
| Tier 1 risk-based capital ratio | 21.8619% | 1,324 |
| Total risk-based capital ratio | 23.1258% | 1,298 |
| Memoranda: | ||
| Average total assets | $102,067,670 | 4,853 |
| Average earning assets | $92,895,330 | 4,851 |
| Average equity | $12,701,330 | 4,458 |
| Average total loans | $43,672,000 | 5,442 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2308% | 1,253 |
| Cost of funding earning assets | 0.5339% | 5,591 |
| Net interest margin | 4.6968% | 686 |
| Noninterest income to average assets | 0.9109% | 1,702 |
| Noninterest expense to average assets | 3.1152% | 2,866 |
| Loan and lease loss provision to assets | 0.0237% | 5,048 |
| Net operating income to assets | 1.2500% | 1,602 |
| Return on assets (ROA) | 1.2500% | 1,774 |
| Pretax return on assets | 2.0387% | 691 |
| Return on Equity (ROE) | 10.0495% | 2,391 |
| Retained earnings to average equity (ytd only) | 5.1674% | 3,462 |
| Net charge-offs to loans | -0.0542% | 6,556 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1676% | 5,588 |
| Assets per employee ($millions) | 3.8601% | 4,290 |
| Cash dividends to net income (ytd only)* | 48.5804% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9846% | 845 |
| Loan loss allowance to noncurrent loans | 269.4737% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9777% | 4,554 |
| Noncurrent loans to loans | 1.1076% | 4,483 |
| Net loans and leases to total assets | 39.9215% | 6,357 |
| Net loans and leases to deposits | 46.3975% | 6,397 |
| Net loans and leases to core deposits | 49.3734% | 6,372 |
| Total domestic deposits to total assets | 86.0423% | 3,504 |
| Equity capital to assets | 12.1846% | 1,927 |
| Core capital (leverage) ratio | 12.6000% | 1,292 |
| Tier 1 risk-based capital ratio | 21.3648% | 1,404 |
| Total risk-based capital ratio | 22.6232% | 1,379 |
| Memoranda: | ||
| Average total assets | $101,439,000 | 4,902 |
| Average earning assets | $92,147,000 | 4,901 |
| Average equity | $12,617,500 | 4,480 |
| Average total loans | $44,314,500 | 5,460 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5923% | 974 |
| Cost of funding earning assets | 0.6906% | 5,604 |
| Net interest margin | 4.9017% | 505 |
| Noninterest income to average assets | 0.9178% | 1,615 |
| Noninterest expense to average assets | 3.2114% | 2,826 |
| Loan and lease loss provision to assets | 0.1402% | 4,866 |
| Net operating income to assets | 1.3134% | 1,207 |
| Return on assets (ROA) | 1.3134% | 1,313 |
| Pretax return on assets | 2.0174% | 517 |
| Return on Equity (ROE) | 10.3565% | 1,935 |
| Retained earnings to average equity (ytd only) | 4.9203% | 2,698 |
| Net charge-offs to loans | 0.1985% | 4,554 |
| Credit loss provision to net charge-offs | 150.0000% | 1,883 |
| Earnings coverage of net charge-offs (x) | 23.0889% | 1,040 |
| Efficiency ratio | 59.8143% | 5,789 |
| Assets per employee ($millions) | 3.6539% | 4,650 |
| Cash dividends to net income (ytd only)* | 52.4901% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7699% | 1,009 |
| Loan loss allowance to noncurrent loans | 624.1379% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 5,117 |
| Noncurrent loans to loans | 0.4438% | 5,823 |
| Net loans and leases to total assets | 45.0809% | 6,100 |
| Net loans and leases to deposits | 52.5734% | 6,165 |
| Net loans and leases to core deposits | 56.3331% | 6,136 |
| Total domestic deposits to total assets | 85.7485% | 3,459 |
| Equity capital to assets | 12.7068% | 1,650 |
| Core capital (leverage) ratio | 12.7525% | 1,238 |
| Tier 1 risk-based capital ratio | 20.6745% | 1,484 |
| Total risk-based capital ratio | 21.9345% | 1,455 |
| Memoranda: | ||
| Average total assets | $96,312,200 | 4,997 |
| Average earning assets | $87,459,800 | 5,009 |
| Average equity | $12,214,600 | 4,499 |
| Average total loans | $45,336,400 | 5,453 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5982% | 1,035 |
| Cost of funding earning assets | 0.7345% | 5,564 |
| Net interest margin | 4.8637% | 552 |
| Noninterest income to average assets | 0.7883% | 2,108 |
| Noninterest expense to average assets | 3.0475% | 3,364 |
| Loan and lease loss provision to assets | 0.1532% | 4,547 |
| Net operating income to assets | 1.3134% | 1,341 |
| Return on assets (ROA) | 1.3134% | 1,429 |
| Pretax return on assets | 2.0057% | 619 |
| Return on Equity (ROE) | 10.3616% | 2,082 |
| Retained earnings to average equity (ytd only) | 4.8676% | 3,265 |
| Net charge-offs to loans | 0.1680% | 4,449 |
| Credit loss provision to net charge-offs | 192.9825% | 1,511 |
| Earnings coverage of net charge-offs (x) | 27.1924% | 998 |
| Efficiency ratio | 58.5340% | 5,931 |
| Assets per employee ($millions) | 4.0844% | 3,665 |
| Cash dividends to net income (ytd only)* | 53.0223% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7801% | 1,049 |
| Loan loss allowance to noncurrent loans | 289.7727% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 5,376 |
| Noncurrent loans to loans | 0.9594% | 4,966 |
| Net loans and leases to total assets | 45.4843% | 6,190 |
| Net loans and leases to deposits | 53.0079% | 6,291 |
| Net loans and leases to core deposits | 56.4087% | 6,284 |
| Total domestic deposits to total assets | 85.8067% | 3,324 |
| Equity capital to assets | 12.6264% | 1,835 |
| Core capital (leverage) ratio | 12.7724% | 1,318 |
| Tier 1 risk-based capital ratio | 20.4406% | 1,575 |
| Total risk-based capital ratio | 21.7024% | 1,547 |
| Memoranda: | ||
| Average total assets | $95,726,250 | 5,047 |
| Average earning assets | $86,954,250 | 5,064 |
| Average equity | $12,134,250 | 4,529 |
| Average total loans | $45,235,000 | 5,505 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6149% | 1,048 |
| Cost of funding earning assets | 0.7782% | 5,521 |
| Net interest margin | 4.8367% | 572 |
| Noninterest income to average assets | 0.7224% | 2,425 |
| Noninterest expense to average assets | 3.0013% | 3,636 |
| Loan and lease loss provision to assets | 0.1369% | 4,595 |
| Net operating income to assets | 1.3248% | 1,259 |
| Return on assets (ROA) | 1.3248% | 1,337 |
| Pretax return on assets | 1.9693% | 629 |
| Return on Equity (ROE) | 10.4369% | 1,969 |
| Retained earnings to average equity (ytd only) | 4.8451% | 3,091 |
| Net charge-offs to loans | -0.0844% | 7,124 |
| Credit loss provision to net charge-offs | -342.1053% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7629% | 6,063 |
| Assets per employee ($millions) | 3.5389% | 4,836 |
| Cash dividends to net income (ytd only)* | 53.5771% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9836% | 913 |
| Loan loss allowance to noncurrent loans | 173.2095% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0539% | 4,780 |
| Noncurrent loans to loans | 1.7225% | 3,853 |
| Net loans and leases to total assets | 44.4448% | 6,397 |
| Net loans and leases to deposits | 51.8732% | 6,482 |
| Net loans and leases to core deposits | 53.8484% | 6,571 |
| Total domestic deposits to total assets | 85.6797% | 3,504 |
| Equity capital to assets | 12.7954% | 1,627 |
| Core capital (leverage) ratio | 12.9205% | 1,196 |
| Tier 1 risk-based capital ratio | 20.9374% | 1,431 |
| Total risk-based capital ratio | 22.1996% | 1,407 |
| Memoranda: | ||
| Average total assets | $94,960,000 | 5,111 |
| Average earning assets | $86,091,670 | 5,125 |
| Average equity | $12,053,330 | 4,547 |
| Average total loans | $45,026,330 | 5,558 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6951% | 890 |
| Cost of funding earning assets | 0.8136% | 5,506 |
| Net interest margin | 4.8815% | 483 |
| Noninterest income to average assets | 0.6930% | 2,615 |
| Noninterest expense to average assets | 2.9916% | 3,680 |
| Loan and lease loss provision to assets | 0.0845% | 4,941 |
| Net operating income to assets | 1.3226% | 1,221 |
| Return on assets (ROA) | 1.3226% | 1,267 |
| Pretax return on assets | 2.0282% | 528 |
| Return on Equity (ROE) | 10.4621% | 1,920 |
| Retained earnings to average equity (ytd only) | 2.2061% | 4,821 |
| Net charge-offs to loans | -0.1227% | 7,142 |
| Credit loss provision to net charge-offs | -142.8571% | 5,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6093% | 6,186 |
| Assets per employee ($millions) | 3.8227% | 4,250 |
| Cash dividends to net income (ytd only)* | 78.9137% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8149% | 1,095 |
| Loan loss allowance to noncurrent loans | 166.3576% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 4,816 |
| Noncurrent loans to loans | 1.6921% | 3,951 |
| Net loans and leases to total assets | 45.3744% | 6,344 |
| Net loans and leases to deposits | 52.8688% | 6,405 |
| Net loans and leases to core deposits | 56.5809% | 6,364 |
| Total domestic deposits to total assets | 85.8246% | 3,623 |
| Equity capital to assets | 12.5566% | 1,596 |
| Core capital (leverage) ratio | 12.6561% | 1,266 |
| Tier 1 risk-based capital ratio | 20.3149% | 1,518 |
| Total risk-based capital ratio | 21.5761% | 1,491 |
| Memoranda: | ||
| Average total assets | $94,665,000 | 5,147 |
| Average earning assets | $85,547,000 | 5,170 |
| Average equity | $11,967,000 | 4,556 |
| Average total loans | $45,653,000 | 5,580 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1494% | 633 |
| Cost of funding earning assets | 1.0059% | 5,659 |
| Net interest margin | 5.1434% | 325 |
| Noninterest income to average assets | 1.2390% | 979 |
| Noninterest expense to average assets | 3.4768% | 2,235 |
| Loan and lease loss provision to assets | 0.0794% | 6,366 |
| Net operating income to assets | 1.4170% | 913 |
| Return on assets (ROA) | 1.4170% | 983 |
| Pretax return on assets | 2.2910% | 254 |
| Return on Equity (ROE) | 10.5875% | 1,724 |
| Retained earnings to average equity (ytd only) | 2.2361% | 4,315 |
| Net charge-offs to loans | 0.4212% | 3,932 |
| Credit loss provision to net charge-offs | 35.0000% | 6,448 |
| Earnings coverage of net charge-offs (x) | 10.4550% | 1,700 |
| Efficiency ratio | 59.4610% | 6,121 |
| Assets per employee ($millions) | 3.3487% | 5,312 |
| Cash dividends to net income (ytd only)* | 78.8800% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6174% | 1,274 |
| Loan loss allowance to noncurrent loans | 92.9985% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.6712% | 3,793 |
| Noncurrent loans to loans | 2.8145% | 2,708 |
| Net loans and leases to total assets | 48.4893% | 6,340 |
| Net loans and leases to deposits | 56.5971% | 6,392 |
| Net loans and leases to core deposits | 59.9114% | 6,399 |
| Total domestic deposits to total assets | 85.6745% | 3,510 |
| Equity capital to assets | 12.7278% | 1,512 |
| Core capital (leverage) ratio | 13.1661% | 1,071 |
| Tier 1 risk-based capital ratio | 22.6964% | 1,078 |
| Total risk-based capital ratio | 23.9592% | 1,057 |
| Memoranda: | ||
| Average total assets | $88,214,400 | 5,342 |
| Average earning assets | $79,032,600 | 5,383 |
| Average equity | $11,806,400 | 4,669 |
| Average total loans | $47,486,400 | 5,578 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2498% | 560 |
| Cost of funding earning assets | 1.0396% | 5,745 |
| Net interest margin | 5.2102% | 288 |
| Noninterest income to average assets | 1.2377% | 896 |
| Noninterest expense to average assets | 3.4904% | 2,055 |
| Loan and lease loss provision to assets | 0.1075% | 5,960 |
| Net operating income to assets | 1.4358% | 1,047 |
| Return on assets (ROA) | 1.4358% | 1,115 |
| Pretax return on assets | 2.3110% | 327 |
| Return on Equity (ROE) | 10.5876% | 1,912 |
| Retained earnings to average equity (ytd only) | 2.2420% | 4,823 |
| Net charge-offs to loans | 0.1034% | 5,498 |
| Credit loss provision to net charge-offs | 189.1892% | 1,905 |
| Earnings coverage of net charge-offs (x) | 42.5694% | 651 |
| Efficiency ratio | 59.0696% | 6,097 |
| Assets per employee ($millions) | 3.2369% | 5,600 |
| Cash dividends to net income (ytd only)* | 78.8231% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8476% | 965 |
| Loan loss allowance to noncurrent loans | 101.2427% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.5653% | 4,098 |
| Noncurrent loans to loans | 2.8127% | 2,837 |
| Net loans and leases to total assets | 54.0659% | 5,843 |
| Net loans and leases to deposits | 63.8489% | 5,932 |
| Net loans and leases to core deposits | 67.3748% | 6,003 |
| Total domestic deposits to total assets | 84.6780% | 3,783 |
| Equity capital to assets | 13.5794% | 1,320 |
| Core capital (leverage) ratio | 13.5163% | 1,058 |
| Tier 1 risk-based capital ratio | 22.5161% | 1,128 |
| Total risk-based capital ratio | 23.7834% | 1,102 |
| Memoranda: | ||
| Average total assets | $86,827,250 | 5,449 |
| Average earning assets | $77,845,250 | 5,487 |
| Average equity | $11,774,500 | 4,747 |
| Average total loans | $47,686,250 | 5,657 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2239% | 593 |
| Cost of funding earning assets | 1.0653% | 5,844 |
| Net interest margin | 5.1586% | 306 |
| Noninterest income to average assets | 1.2096% | 884 |
| Noninterest expense to average assets | 3.3658% | 2,352 |
| Loan and lease loss provision to assets | 0.1616% | 5,275 |
| Net operating income to assets | 1.4359% | 1,018 |
| Return on assets (ROA) | 1.4359% | 1,090 |
| Pretax return on assets | 2.2877% | 349 |
| Return on Equity (ROE) | 10.5932% | 1,897 |
| Retained earnings to average equity (ytd only) | 2.3843% | 4,642 |
| Net charge-offs to loans | 0.1478% | 4,752 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 30.3143% | 913 |
| Efficiency ratio | 57.8801% | 6,395 |
| Assets per employee ($millions) | 3.3925% | 5,209 |
| Cash dividends to net income (ytd only)* | 77.4920% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8663% | 942 |
| Loan loss allowance to noncurrent loans | 141.0987% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 1.1144% | 4,898 |
| Noncurrent loans to loans | 2.0314% | 3,681 |
| Net loans and leases to total assets | 53.2884% | 6,079 |
| Net loans and leases to deposits | 62.6824% | 6,174 |
| Net loans and leases to core deposits | 66.5652% | 6,199 |
| Total domestic deposits to total assets | 85.0133% | 3,619 |
| Equity capital to assets | 13.3893% | 1,394 |
| Core capital (leverage) ratio | 13.6492% | 1,019 |
| Tier 1 risk-based capital ratio | 22.2637% | 1,163 |
| Total risk-based capital ratio | 23.5305% | 1,134 |
| Memoranda: | ||
| Average total assets | $86,637,330 | 5,490 |
| Average earning assets | $77,346,670 | 5,537 |
| Average equity | $11,743,330 | 4,749 |
| Average total loans | $47,369,330 | 5,704 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0532% | 879 |
| Cost of funding earning assets | 1.1134% | 5,836 |
| Net interest margin | 4.9398% | 475 |
| Noninterest income to average assets | 1.0483% | 1,159 |
| Noninterest expense to average assets | 3.2288% | 2,765 |
| Loan and lease loss provision to assets | 0.0466% | 6,199 |
| Net operating income to assets | 1.3977% | 1,079 |
| Return on assets (ROA) | 1.3977% | 1,150 |
| Pretax return on assets | 2.1758% | 443 |
| Return on Equity (ROE) | 10.2477% | 2,020 |
| Retained earnings to average equity (ytd only) | 2.7327% | 4,495 |
| Net charge-offs to loans | 0.2134% | 3,638 |
| Credit loss provision to net charge-offs | 40.0000% | 4,641 |
| Earnings coverage of net charge-offs (x) | 19.0800% | 1,213 |
| Efficiency ratio | 59.2308% | 6,302 |
| Assets per employee ($millions) | 3.6374% | 4,723 |
| Cash dividends to net income (ytd only)* | 73.3333% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8073% | 978 |
| Loan loss allowance to noncurrent loans | 321.3942% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 6,284 |
| Noncurrent loans to loans | 0.8735% | 5,569 |
| Net loans and leases to total assets | 53.0247% | 6,150 |
| Net loans and leases to deposits | 62.2474% | 6,253 |
| Net loans and leases to core deposits | 65.4428% | 6,331 |
| Total domestic deposits to total assets | 85.1839% | 3,568 |
| Equity capital to assets | 13.4598% | 1,343 |
| Core capital (leverage) ratio | 13.6769% | 1,034 |
| Tier 1 risk-based capital ratio | 22.4344% | 1,152 |
| Total risk-based capital ratio | 23.7002% | 1,121 |
| Memoranda: | ||
| Average total assets | $85,853,500 | 5,576 |
| Average earning assets | $76,521,000 | 5,620 |
| Average equity | $11,710,000 | 4,786 |
| Average total loans | $46,859,000 | 5,806 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4302% | 144 |
| Cost of funding earning assets | 1.4365% | 5,777 |
| Net interest margin | 5.9937% | 112 |
| Noninterest income to average assets | 0.5888% | 3,724 |
| Noninterest expense to average assets | 3.4042% | 2,669 |
| Loan and lease loss provision to assets | 0.1272% | 6,371 |
| Net operating income to assets | 1.4878% | 693 |
| Return on assets (ROA) | 1.4878% | 746 |
| Pretax return on assets | 2.3156% | 219 |
| Return on Equity (ROE) | 10.1427% | 1,649 |
| Retained earnings to average equity (ytd only) | 2.7047% | 3,261 |
| Net charge-offs to loans | 0.0536% | 6,564 |
| Credit loss provision to net charge-offs | 416.6667% | 755 |
| Earnings coverage of net charge-offs (x) | 80.0417% | 340 |
| Efficiency ratio | 58.2210% | 6,731 |
| Assets per employee ($millions) | 3.5171% | 4,972 |
| Cash dividends to net income (ytd only)* | 73.3333% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9333% | 820 |
| Loan loss allowance to noncurrent loans | 157.9439% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 5,087 |
| Noncurrent loans to loans | 1.8572% | 3,854 |
| Net loans and leases to total assets | 53.0032% | 6,309 |
| Net loans and leases to deposits | 62.5271% | 6,409 |
| Net loans and leases to core deposits | 76.1597% | 6,387 |
| Total domestic deposits to total assets | 84.7684% | 3,675 |
| Equity capital to assets | 13.8254% | 1,216 |
| Core capital (leverage) ratio | 13.8962% | 1,004 |
| Tier 1 risk-based capital ratio | 23.3704% | 1,003 |
| Total risk-based capital ratio | 24.6380% | 984 |
| Memoranda: | ||
| Average total assets | $78,639,000 | 5,764 |
| Average earning assets | $68,988,600 | 5,842 |
| Average equity | $11,535,400 | 4,865 |
| Average total loans | $44,757,200 | 5,888 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5271% | 144 |
| Cost of funding earning assets | 1.4983% | 5,827 |
| Net interest margin | 6.0288% | 109 |
| Noninterest income to average assets | 0.6097% | 3,622 |
| Noninterest expense to average assets | 3.4094% | 2,549 |
| Loan and lease loss provision to assets | 0.0691% | 6,672 |
| Net operating income to assets | 1.5026% | 809 |
| Return on assets (ROA) | 1.5026% | 868 |
| Pretax return on assets | 2.4059% | 228 |
| Return on Equity (ROE) | 10.0852% | 1,882 |
| Retained earnings to average equity (ytd only) | 2.6662% | 3,838 |
| Net charge-offs to loans | 0.0450% | 6,279 |
| Credit loss provision to net charge-offs | 266.6667% | 1,588 |
| Earnings coverage of net charge-offs (x) | 95.5310% | 371 |
| Efficiency ratio | 57.9395% | 6,722 |
| Assets per employee ($millions) | 3.6325% | 4,601 |
| Cash dividends to net income (ytd only)* | 73.5631% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8668% | 746 |
| Loan loss allowance to noncurrent loans | 1,626.2500% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 7,309 |
| Noncurrent loans to loans | 0.1763% | 7,054 |
| Net loans and leases to total assets | 52.7613% | 6,527 |
| Net loans and leases to deposits | 62.3485% | 6,637 |
| Net loans and leases to core deposits | 76.4857% | 6,581 |
| Total domestic deposits to total assets | 84.6232% | 3,421 |
| Equity capital to assets | 13.8699% | 1,350 |
| Core capital (leverage) ratio | 14.2057% | 1,039 |
| Tier 1 risk-based capital ratio | 23.2672% | 1,074 |
| Total risk-based capital ratio | 24.5342% | 1,047 |
| Memoranda: | ||
| Average total assets | $77,196,250 | 5,840 |
| Average earning assets | $67,540,500 | 5,922 |
| Average equity | $11,501,750 | 4,925 |
| Average total loans | $44,423,500 | 5,953 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8031% | 108 |
| Cost of funding earning assets | 1.5096% | 6,101 |
| Net interest margin | 6.2935% | 87 |
| Noninterest income to average assets | 0.6819% | 3,102 |
| Noninterest expense to average assets | 3.5003% | 2,335 |
| Loan and lease loss provision to assets | 0.1066% | 6,093 |
| Net operating income to assets | 1.6063% | 670 |
| Return on assets (ROA) | 1.6063% | 736 |
| Pretax return on assets | 2.5946% | 173 |
| Return on Equity (ROE) | 10.5116% | 1,845 |
| Retained earnings to average equity (ytd only) | 3.5387% | 3,332 |
| Net charge-offs to loans | 0.0363% | 5,951 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 126.7500% | 310 |
| Efficiency ratio | 56.4433% | 7,065 |
| Assets per employee ($millions) | 3.4608% | 4,922 |
| Cash dividends to net income (ytd only)* | 66.3350% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9042% | 613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 54.9386% | 6,341 |
| Net loans and leases to deposits | 65.4572% | 6,440 |
| Net loans and leases to core deposits | 80.6797% | 6,346 |
| Total domestic deposits to total assets | 83.9305% | 3,811 |
| Equity capital to assets | 14.5242% | 1,155 |
| Core capital (leverage) ratio | 15.0945% | 900 |
| Tier 1 risk-based capital ratio | 23.8028% | 1,059 |
| Total risk-based capital ratio | 25.0710% | 1,035 |
| Memoranda: | ||
| Average total assets | $75,079,000 | 5,945 |
| Average earning assets | $65,845,330 | 6,014 |
| Average equity | $11,473,000 | 4,959 |
| Average total loans | $44,104,000 | 6,024 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8162% | 114 |
| Cost of funding earning assets | 1.5272% | 6,319 |
| Net interest margin | 6.2889% | 86 |
| Noninterest income to average assets | 0.7580% | 2,553 |
| Noninterest expense to average assets | 3.5595% | 1,956 |
| Loan and lease loss provision to assets | 0.0824% | 5,907 |
| Net operating income to assets | 1.6479% | 720 |
| Return on assets (ROA) | 1.6479% | 791 |
| Pretax return on assets | 2.6806% | 186 |
| Return on Equity (ROE) | 10.4996% | 2,124 |
| Retained earnings to average equity (ytd only) | 4.9698% | 3,145 |
| Net charge-offs to loans | 0.0183% | 5,316 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 251.5000% | 169 |
| Efficiency ratio | 56.2989% | 6,927 |
| Assets per employee ($millions) | 3.0680% | 5,975 |
| Cash dividends to net income (ytd only)* | 52.6667% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9376% | 507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 6,680 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.8423% | 5,966 |
| Net loans and leases to deposits | 69.8969% | 5,989 |
| Net loans and leases to core deposits | 86.5301% | 5,865 |
| Total domestic deposits to total assets | 82.7537% | 4,268 |
| Equity capital to assets | 15.6180% | 943 |
| Core capital (leverage) ratio | 15.8750% | 799 |
| Tier 1 risk-based capital ratio | 24.0465% | 1,074 |
| Total risk-based capital ratio | 25.3157% | 1,046 |
| Memoranda: | ||
| Average total assets | $72,819,500 | 6,035 |
| Average earning assets | $64,430,500 | 6,089 |
| Average equity | $11,429,000 | 4,999 |
| Average total loans | $43,637,000 | 6,070 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7593% | 258 |
| Cost of funding earning assets | 1.9044% | 6,715 |
| Net interest margin | 5.8548% | 129 |
| Noninterest income to average assets | 0.6043% | 3,815 |
| Noninterest expense to average assets | 3.2635% | 3,098 |
| Loan and lease loss provision to assets | 0.0354% | 6,965 |
| Net operating income to assets | 1.6982% | 680 |
| Return on assets (ROA) | 1.6982% | 651 |
| Pretax return on assets | 2.5134% | 190 |
| Return on Equity (ROE) | 11.0145% | 1,899 |
| Retained earnings to average equity (ytd only) | 11.0145% | 322 |
| Net charge-offs to loans | 0.0685% | 5,789 |
| Credit loss provision to net charge-offs | 86.2069% | 5,756 |
| Earnings coverage of net charge-offs (x) | 62.1034% | 648 |
| Efficiency ratio | 56.1480% | 6,985 |
| Assets per employee ($millions) | 3.1307% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9405% | 460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 6,457 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.4923% | 6,129 |
| Net loans and leases to deposits | 70.5435% | 6,215 |
| Net loans and leases to core deposits | 85.3265% | 6,184 |
| Total domestic deposits to total assets | 82.9167% | 3,805 |
| Equity capital to assets | 15.7737% | 982 |
| Core capital (leverage) ratio | 16.1841% | 798 |
| Tier 1 risk-based capital ratio | 24.1685% | 1,070 |
| Total risk-based capital ratio | 25.4367% | 1,048 |
| Memoranda: | ||
| Average total assets | $70,661,250 | 6,013 |
| Average earning assets | $62,854,000 | 6,058 |
| Average equity | $10,894,750 | 5,153 |
| Average total loans | $42,326,750 | 6,057 |