Home > First Security Bank > Performance and Condition Ratios
First Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 4,050 |
| Cost of funding earning assets | 0.9575% | 3,390 |
| Net interest margin | 2.9730% | 3,350 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.3223% | 2,791 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7408% | 3,076 |
| Return on assets (ROA) | 0.4591% | 3,749 |
| Pretax return on assets | 0.4793% | 3,849 |
| Return on Equity (ROE) | 3.8100% | 3,915 |
| Retained earnings to average equity (ytd only) | -12.9552% | 4,484 |
| Net charge-offs to loans | 0.0051% | 2,534 |
| Credit loss provision to net charge-offs | 250.0000% | 1,064 |
| Earnings coverage of net charge-offs (x) | 289.5000% | 441 |
| Efficiency ratio | 74.8698% | 1,360 |
| Assets per employee ($millions) | 7.4438% | 1,772 |
| Cash dividends to net income (ytd only)* | 439.8827% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 1,940 |
| 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 | 56.4600% | 3,158 |
| Net loans and leases to deposits | 67.0854% | 3,101 |
| Net loans and leases to core deposits | 72.5714% | 3,149 |
| Total domestic deposits to total assets | 84.1600% | 2,577 |
| Equity capital to assets | 12.3123% | 1,031 |
| Core capital (leverage) ratio | 12.9323% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4513% | 1,006 |
| Memoranda: | ||
| Average total assets | $74,279,600 | 4,076 |
| Average earning assets | $67,574,800 | 4,060 |
| Average equity | $8,946,200 | 3,827 |
| Average total loans | $39,571,800 | 4,000 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 4,072 |
| Cost of funding earning assets | 0.7903% | 3,550 |
| Net interest margin | 3.0485% | 3,238 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.2305% | 2,991 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8913% | 2,716 |
| Return on assets (ROA) | 0.5154% | 3,721 |
| Pretax return on assets | 0.5388% | 3,844 |
| Return on Equity (ROE) | 4.3000% | 3,937 |
| Retained earnings to average equity (ytd only) | -18.1892% | 4,549 |
| Net charge-offs to loans | 0.0069% | 2,186 |
| Credit loss provision to net charge-offs | 250.0000% | 984 |
| Earnings coverage of net charge-offs (x) | 261.5000% | 500 |
| Efficiency ratio | 70.3683% | 1,745 |
| Assets per employee ($millions) | 7.0797% | 1,901 |
| Cash dividends to net income (ytd only)* | 522.6481% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,506 |
| 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 | 54.2300% | 3,345 |
| Net loans and leases to deposits | 61.2299% | 3,443 |
| Net loans and leases to core deposits | 66.2782% | 3,412 |
| Total domestic deposits to total assets | 88.5700% | 1,386 |
| Equity capital to assets | 10.9892% | 1,348 |
| Core capital (leverage) ratio | 13.2790% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2445% | 913 |
| Memoranda: | ||
| Average total assets | $74,240,000 | 4,092 |
| Average earning assets | $67,485,500 | 4,086 |
| Average equity | $8,891,500 | 3,838 |
| Average total loans | $38,822,750 | 4,025 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7575% | 4,072 |
| Cost of funding earning assets | 0.5705% | 3,832 |
| Net interest margin | 3.1871% | 3,022 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.2152% | 3,029 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0429% | 2,275 |
| Return on assets (ROA) | 0.4934% | 3,832 |
| Pretax return on assets | 0.5173% | 3,936 |
| Return on Equity (ROE) | 4.0200% | 4,026 |
| Retained earnings to average equity (ytd only) | -28.3740% | 4,598 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.6401% | 2,161 |
| Assets per employee ($millions) | 6.9153% | 1,996 |
| Cash dividends to net income (ytd only)* | 806.4516% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,232 |
| 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 | 52.1100% | 3,401 |
| Net loans and leases to deposits | 59.6389% | 3,442 |
| Net loans and leases to core deposits | 63.3412% | 3,486 |
| Total domestic deposits to total assets | 87.3800% | 1,806 |
| Equity capital to assets | 12.2352% | 989 |
| Core capital (leverage) ratio | 12.7127% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3496% | 780 |
| Memoranda: | ||
| Average total assets | $75,387,667 | 4,096 |
| Average earning assets | $68,715,333 | 4,088 |
| Average equity | $9,262,000 | 3,818 |
| Average total loans | $38,786,333 | 4,040 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5883% | 4,169 |
| Cost of funding earning assets | 0.4513% | 3,832 |
| Net interest margin | 3.1369% | 3,273 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.1553% | 3,239 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.9142% | 2,811 |
| Return on assets (ROA) | 0.0408% | 4,440 |
| Pretax return on assets | 0.0662% | 4,423 |
| Return on Equity (ROE) | 0.3300% | 4,430 |
| Retained earnings to average equity (ytd only) | 0.3312% | 3,973 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.2857% | 2,421 |
| Assets per employee ($millions) | 7.5680% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,272 |
| 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 | 47.1400% | 3,700 |
| Net loans and leases to deposits | 54.4999% | 3,651 |
| Net loans and leases to core deposits | 56.8175% | 3,698 |
| Total domestic deposits to total assets | 86.4900% | 2,450 |
| Equity capital to assets | 13.1699% | 724 |
| Core capital (leverage) ratio | 13.4978% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7849% | 584 |
| Memoranda: | ||
| Average total assets | $78,505,000 | 4,124 |
| Average earning assets | $71,789,500 | 4,115 |
| Average equity | $9,662,500 | 3,823 |
| Average total loans | $39,889,500 | 4,066 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2381% | 3,744 |
| Cost of funding earning assets | 0.3266% | 2,667 |
| Net interest margin | 2.9115% | 3,653 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.9471% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0248% | 2,480 |
| Return on assets (ROA) | 1.0284% | 2,405 |
| Pretax return on assets | 1.0769% | 2,841 |
| Return on Equity (ROE) | 8.0400% | 3,382 |
| Retained earnings to average equity (ytd only) | 8.0436% | 1,810 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.4698% | 2,440 |
| Assets per employee ($millions) | 9.0367% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,235 |
| 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 | 52.9000% | 3,291 |
| Net loans and leases to deposits | 72.1368% | 2,397 |
| Net loans and leases to core deposits | 76.1832% | 2,405 |
| Total domestic deposits to total assets | 73.3400% | 4,377 |
| Equity capital to assets | 11.5062% | 1,085 |
| Core capital (leverage) ratio | 13.8099% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3685% | 916 |
| Memoranda: | ||
| Average total assets | $78,372,600 | 4,147 |
| Average earning assets | $71,647,200 | 4,135 |
| Average equity | $10,020,400 | 3,870 |
| Average total loans | $40,873,600 | 4,053 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1461% | 3,565 |
| Cost of funding earning assets | 0.2592% | 2,612 |
| Net interest margin | 2.8869% | 3,523 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.9115% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0187% | 2,410 |
| Return on assets (ROA) | 1.0236% | 2,366 |
| Pretax return on assets | 1.0734% | 2,800 |
| Return on Equity (ROE) | 7.8000% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.8014% | 2,080 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1499% | 2,529 |
| Assets per employee ($millions) | 8.3710% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,728 |
| 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 | 51.4200% | 3,347 |
| Net loans and leases to deposits | 59.7904% | 3,216 |
| Net loans and leases to core deposits | 63.5350% | 3,155 |
| Total domestic deposits to total assets | 86.0100% | 3,067 |
| Equity capital to assets | 11.2213% | 1,091 |
| Core capital (leverage) ratio | 13.1392% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7603% | 755 |
| Memoranda: | ||
| Average total assets | $77,633,250 | 4,183 |
| Average earning assets | $70,985,750 | 4,180 |
| Average equity | $10,186,000 | 3,896 |
| Average total loans | $40,201,250 | 4,081 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0371% | 3,459 |
| Cost of funding earning assets | 0.2311% | 2,490 |
| Net interest margin | 2.8061% | 3,430 |
| Noninterest income to average assets | 0.2781% | 3,505 |
| Noninterest expense to average assets | 1.9184% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8855% | 2,643 |
| Return on assets (ROA) | 0.8903% | 2,597 |
| Pretax return on assets | 0.9362% | 2,946 |
| Return on Equity (ROE) | 6.4850% | 3,451 |
| Retained earnings to average equity (ytd only) | 6.4850% | 2,176 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3232% | 2,338 |
| Assets per employee ($millions) | 7.8494% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 1,946 |
| 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 | 49.8981% | 3,385 |
| Net loans and leases to deposits | 56.9669% | 3,304 |
| Net loans and leases to core deposits | 60.8930% | 3,202 |
| Total domestic deposits to total assets | 87.5914% | 2,735 |
| Equity capital to assets | 12.1321% | 832 |
| Core capital (leverage) ratio | 12.4117% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0322% | 847 |
| Memoranda: | ||
| Average total assets | $78,398,000 | 4,219 |
| Average earning assets | $71,844,667 | 4,226 |
| Average equity | $10,763,333 | 3,906 |
| Average total loans | $40,508,333 | 4,128 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9022% | 3,531 |
| Cost of funding earning assets | 0.2340% | 2,337 |
| Net interest margin | 2.6682% | 3,482 |
| Noninterest income to average assets | 0.2910% | 3,381 |
| Noninterest expense to average assets | 1.9196% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7765% | 2,742 |
| Return on assets (ROA) | 0.7862% | 2,705 |
| Pretax return on assets | 0.8271% | 3,024 |
| Return on Equity (ROE) | 5.4113% | 3,510 |
| Retained earnings to average equity (ytd only) | 5.4113% | 2,440 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1493% | 2,207 |
| Assets per employee ($millions) | 8.0241% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 2,065 |
| 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 | 48.4852% | 3,334 |
| Net loans and leases to deposits | 55.8675% | 3,278 |
| Net loans and leases to core deposits | 59.3535% | 3,199 |
| Total domestic deposits to total assets | 86.7861% | 3,003 |
| Equity capital to assets | 13.0569% | 678 |
| Core capital (leverage) ratio | 11.9219% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9940% | 907 |
| Memoranda: | ||
| Average total assets | $78,350,000 | 4,240 |
| Average earning assets | $71,807,500 | 4,243 |
| Average equity | $11,383,500 | 3,916 |
| Average total loans | $40,910,500 | 4,142 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 2,027 |
| Cost of funding earning assets | 0.3153% | 2,251 |
| Net interest margin | 3.4164% | 1,972 |
| Noninterest income to average assets | 0.3600% | 3,277 |
| Noninterest expense to average assets | 2.0603% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3565% | 1,420 |
| Return on assets (ROA) | 1.3991% | 1,335 |
| Pretax return on assets | 1.4683% | 1,823 |
| Return on Equity (ROE) | 8.9989% | 2,909 |
| Retained earnings to average equity (ytd only) | 0.7582% | 4,317 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1394% | 3,277 |
| Assets per employee ($millions) | 7.6459% | 1,528 |
| Cash dividends to net income (ytd only)* | 91.5751% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,518 |
| 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 | 54.7248% | 2,760 |
| Net loans and leases to deposits | 70.3747% | 2,091 |
| Net loans and leases to core deposits | 75.5366% | 1,948 |
| Total domestic deposits to total assets | 77.7619% | 4,420 |
| Equity capital to assets | 16.0740% | 375 |
| Core capital (leverage) ratio | 12.5232% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5146% | 965 |
| Memoranda: | ||
| Average total assets | $78,048,600 | 4,244 |
| Average earning assets | $71,361,000 | 4,244 |
| Average equity | $12,134,800 | 3,919 |
| Average total loans | $41,007,400 | 4,164 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 1,983 |
| Cost of funding earning assets | 0.3268% | 2,333 |
| Net interest margin | 3.4894% | 1,893 |
| Noninterest income to average assets | 0.3331% | 3,441 |
| Noninterest expense to average assets | 1.9087% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5417% | 1,170 |
| Return on assets (ROA) | 1.5756% | 1,135 |
| Pretax return on assets | 1.6538% | 1,541 |
| Return on Equity (ROE) | 10.2180% | 2,657 |
| Retained earnings to average equity (ytd only) | -0.8047% | 4,649 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1205% | 3,792 |
| Assets per employee ($millions) | 7.6350% | 1,484 |
| Cash dividends to net income (ytd only)* | 107.8749% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 2,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.0079% | 3,414 |
| Net loans and leases to deposits | 59.7811% | 3,249 |
| Net loans and leases to core deposits | 64.1363% | 3,125 |
| Total domestic deposits to total assets | 83.6516% | 3,553 |
| Equity capital to assets | 15.9450% | 422 |
| Core capital (leverage) ratio | 11.7477% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4104% | 896 |
| Memoranda: | ||
| Average total assets | $78,446,000 | 4,290 |
| Average earning assets | $71,797,250 | 4,290 |
| Average equity | $12,096,000 | 3,974 |
| Average total loans | $40,664,500 | 4,233 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 2,401 |
| Cost of funding earning assets | 0.3308% | 2,479 |
| Net interest margin | 3.3468% | 2,309 |
| Noninterest income to average assets | 0.3159% | 3,536 |
| Noninterest expense to average assets | 1.9130% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4586% | 1,402 |
| Return on assets (ROA) | 1.5112% | 1,325 |
| Pretax return on assets | 1.5238% | 1,946 |
| Return on Equity (ROE) | 9.9089% | 2,775 |
| Retained earnings to average equity (ytd only) | -6.6611% | 4,822 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5347% | 3,467 |
| Assets per employee ($millions) | 7.4940% | 1,478 |
| Cash dividends to net income (ytd only)* | 167.2241% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,304 |
| Loan loss allowance to noncurrent loans | 10,740.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,273 |
| Noncurrent loans to loans | 0.0124% | 4,178 |
| Net loans and leases to total assets | 48.4072% | 3,686 |
| Net loans and leases to deposits | 56.9471% | 3,641 |
| Net loans and leases to core deposits | 60.9575% | 3,547 |
| Total domestic deposits to total assets | 85.0038% | 3,092 |
| Equity capital to assets | 14.4613% | 625 |
| Core capital (leverage) ratio | 10.9319% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3565% | 1,058 |
| Memoranda: | ||
| Average total assets | $79,144,667 | 4,305 |
| Average earning assets | $72,546,667 | 4,310 |
| Average equity | $12,070,000 | 3,979 |
| Average total loans | $41,313,333 | 4,251 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 2,677 |
| Cost of funding earning assets | 0.3498% | 2,515 |
| Net interest margin | 3.2387% | 2,576 |
| Noninterest income to average assets | 0.3768% | 3,213 |
| Noninterest expense to average assets | 1.9923% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3213% | 1,756 |
| Return on assets (ROA) | 1.3213% | 1,842 |
| Pretax return on assets | 1.3471% | 2,439 |
| Return on Equity (ROE) | 8.4318% | 3,205 |
| Retained earnings to average equity (ytd only) | -24.5049% | 4,935 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6600% | 3,070 |
| Assets per employee ($millions) | 7.2213% | 1,628 |
| Cash dividends to net income (ytd only)* | 390.6250% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 2,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 50.1120% | 3,612 |
| Net loans and leases to deposits | 59.0374% | 3,559 |
| Net loans and leases to core deposits | 62.7637% | 3,520 |
| Total domestic deposits to total assets | 84.8818% | 3,151 |
| Equity capital to assets | 14.5366% | 562 |
| Core capital (leverage) ratio | 10.7907% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1138% | 1,055 |
| Memoranda: | ||
| Average total assets | $77,500,000 | 4,344 |
| Average earning assets | $70,893,500 | 4,345 |
| Average equity | $12,144,500 | 3,984 |
| Average total loans | $41,749,500 | 4,265 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 2,713 |
| Cost of funding earning assets | 0.4670% | 3,175 |
| Net interest margin | 3.5370% | 2,345 |
| Noninterest income to average assets | 0.4284% | 2,972 |
| Noninterest expense to average assets | 2.2295% | 3,597 |
| Loan and lease loss provision to assets | 0.0287% | 4,039 |
| Net operating income to assets | 1.3222% | 1,194 |
| Return on assets (ROA) | 1.3249% | 1,286 |
| Pretax return on assets | 1.3865% | 1,697 |
| Return on Equity (ROE) | 7.8589% | 2,871 |
| Retained earnings to average equity (ytd only) | 4.6114% | 2,475 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2176% | 3,273 |
| Assets per employee ($millions) | 6.8696% | 1,667 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 56.3997% | 3,258 |
| Net loans and leases to deposits | 68.4896% | 3,029 |
| Net loans and leases to core deposits | 73.1556% | 2,984 |
| Total domestic deposits to total assets | 82.3479% | 3,579 |
| Equity capital to assets | 16.8621% | 351 |
| Core capital (leverage) ratio | 12.4172% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0177% | 900 |
| Memoranda: | ||
| Average total assets | $73,064,200 | 4,339 |
| Average earning assets | $66,384,400 | 4,348 |
| Average equity | $12,317,200 | 3,941 |
| Average total loans | $42,596,200 | 4,263 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 2,568 |
| Cost of funding earning assets | 0.4885% | 3,300 |
| Net interest margin | 3.6467% | 2,105 |
| Noninterest income to average assets | 0.3718% | 3,225 |
| Noninterest expense to average assets | 2.1351% | 3,865 |
| Loan and lease loss provision to assets | 0.0276% | 3,991 |
| Net operating income to assets | 1.4487% | 998 |
| Return on assets (ROA) | 1.4522% | 1,083 |
| Pretax return on assets | 1.5240% | 1,395 |
| Return on Equity (ROE) | 8.6150% | 2,558 |
| Retained earnings to average equity (ytd only) | 4.2474% | 2,927 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9710% | 3,668 |
| Assets per employee ($millions) | 6.6620% | 1,703 |
| Cash dividends to net income (ytd only)* | 50.6971% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 56.5350% | 3,575 |
| Net loans and leases to deposits | 68.5439% | 3,428 |
| Net loans and leases to core deposits | 73.3521% | 3,369 |
| Total domestic deposits to total assets | 82.4800% | 3,295 |
| Equity capital to assets | 17.1802% | 357 |
| Core capital (leverage) ratio | 12.7217% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5162% | 837 |
| Memoranda: | ||
| Average total assets | $72,438,750 | 4,355 |
| Average earning assets | $65,774,000 | 4,367 |
| Average equity | $12,211,000 | 3,958 |
| Average total loans | $42,456,250 | 4,291 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 2,667 |
| Cost of funding earning assets | 0.5153% | 3,436 |
| Net interest margin | 3.7140% | 2,115 |
| Noninterest income to average assets | 0.4601% | 2,764 |
| Noninterest expense to average assets | 2.1619% | 3,897 |
| Loan and lease loss provision to assets | 0.0249% | 3,942 |
| Net operating income to assets | 1.5718% | 801 |
| Return on assets (ROA) | 1.5771% | 867 |
| Pretax return on assets | 1.6547% | 1,093 |
| Return on Equity (ROE) | 9.4169% | 2,193 |
| Retained earnings to average equity (ytd only) | 2.7969% | 3,458 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3584% | 3,901 |
| Assets per employee ($millions) | 6.3196% | 1,932 |
| Cash dividends to net income (ytd only)* | 70.2988% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 55.9979% | 3,686 |
| Net loans and leases to deposits | 67.2771% | 3,620 |
| Net loans and leases to core deposits | 71.7174% | 3,606 |
| Total domestic deposits to total assets | 83.2347% | 3,021 |
| Equity capital to assets | 16.4014% | 421 |
| Core capital (leverage) ratio | 12.2968% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8416% | 932 |
| Memoranda: | ||
| Average total assets | $72,157,667 | 4,370 |
| Average earning assets | $65,589,667 | 4,379 |
| Average equity | $12,084,667 | 3,975 |
| Average total loans | $42,621,333 | 4,301 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 3,064 |
| Cost of funding earning assets | 0.5643% | 3,620 |
| Net interest margin | 3.6870% | 2,369 |
| Noninterest income to average assets | 0.5347% | 2,367 |
| Noninterest expense to average assets | 2.1900% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6160% | 606 |
| Return on assets (ROA) | 1.6269% | 648 |
| Pretax return on assets | 1.7008% | 855 |
| Return on Equity (ROE) | 9.6070% | 1,872 |
| Retained earnings to average equity (ytd only) | -3.8294% | 4,423 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4516% | 4,166 |
| Assets per employee ($millions) | 5.9171% | 1,745 |
| Cash dividends to net income (ytd only)* | 139.8601% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 58.0832% | 3,663 |
| Net loans and leases to deposits | 69.9017% | 3,600 |
| Net loans and leases to core deposits | 74.8480% | 3,580 |
| Total domestic deposits to total assets | 83.0927% | 3,080 |
| Equity capital to assets | 16.5552% | 503 |
| Core capital (leverage) ratio | 12.3563% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1041% | 1,132 |
| Memoranda: | ||
| Average total assets | $70,319,000 | 4,410 |
| Average earning assets | $63,792,500 | 4,423 |
| Average equity | $11,908,000 | 4,008 |
| Average total loans | $42,436,500 | 4,319 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 3,119 |
| Cost of funding earning assets | 0.5754% | 3,741 |
| Net interest margin | 3.8741% | 2,262 |
| Noninterest income to average assets | 0.3705% | 3,483 |
| Noninterest expense to average assets | 2.4150% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3898% | 1,374 |
| Return on assets (ROA) | 1.3898% | 1,448 |
| Pretax return on assets | 1.4557% | 1,955 |
| Return on Equity (ROE) | 7.8747% | 3,216 |
| Retained earnings to average equity (ytd only) | -2.0828% | 4,872 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3912% | 3,307 |
| Assets per employee ($millions) | 5.3564% | 2,188 |
| Cash dividends to net income (ytd only)* | 126.4489% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 2,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 61.1765% | 3,481 |
| Net loans and leases to deposits | 74.3750% | 3,317 |
| Net loans and leases to core deposits | 79.7555% | 3,315 |
| Total domestic deposits to total assets | 82.2541% | 3,435 |
| Equity capital to assets | 17.3208% | 426 |
| Core capital (leverage) ratio | 12.9704% | 1,247 |
| Tier 1 risk-based capital ratio | 17.2476% | 1,981 |
| Total risk-based capital ratio | 18.3012% | 1,977 |
| Memoranda: | ||
| Average total assets | $68,281,200 | 4,458 |
| Average earning assets | $61,691,000 | 4,482 |
| Average equity | $12,051,200 | 3,995 |
| Average total loans | $42,919,800 | 4,337 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 3,153 |
| Cost of funding earning assets | 0.5652% | 3,842 |
| Net interest margin | 3.9045% | 2,235 |
| Noninterest income to average assets | 0.3846% | 3,409 |
| Noninterest expense to average assets | 2.2410% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5895% | 957 |
| Return on assets (ROA) | 1.5895% | 1,001 |
| Pretax return on assets | 1.6680% | 1,424 |
| Return on Equity (ROE) | 8.9633% | 2,904 |
| Retained earnings to average equity (ytd only) | -4.3157% | 5,038 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3293% | 4,027 |
| Assets per employee ($millions) | 5.0482% | 2,498 |
| Cash dividends to net income (ytd only)* | 148.1486% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,281 |
| 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 | 62.5469% | 3,439 |
| Net loans and leases to deposits | 76.8699% | 3,212 |
| Net loans and leases to core deposits | 82.8513% | 3,189 |
| Total domestic deposits to total assets | 81.3671% | 3,646 |
| Equity capital to assets | 18.2397% | 375 |
| Core capital (leverage) ratio | 13.0474% | 1,318 |
| Tier 1 risk-based capital ratio | 17.6632% | 1,905 |
| Total risk-based capital ratio | 18.7604% | 1,911 |
| Memoranda: | ||
| Average total assets | $67,943,250 | 4,516 |
| Average earning assets | $61,329,250 | 4,546 |
| Average equity | $12,048,750 | 4,029 |
| Average total loans | $42,871,000 | 4,393 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 3,492 |
| Cost of funding earning assets | 0.5212% | 4,029 |
| Net interest margin | 3.8283% | 2,487 |
| Noninterest income to average assets | 0.3172% | 3,806 |
| Noninterest expense to average assets | 2.1713% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5309% | 1,062 |
| Return on assets (ROA) | 1.5309% | 1,110 |
| Pretax return on assets | 1.6095% | 1,520 |
| Return on Equity (ROE) | 8.7122% | 2,970 |
| Retained earnings to average equity (ytd only) | -1.2257% | 4,851 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4288% | 4,079 |
| Assets per employee ($millions) | 5.2354% | 2,222 |
| Cash dividends to net income (ytd only)* | 114.0684% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,457 |
| 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 | 61.7558% | 3,574 |
| Net loans and leases to deposits | 75.7233% | 3,357 |
| Net loans and leases to core deposits | 79.2499% | 3,483 |
| Total domestic deposits to total assets | 81.5545% | 3,647 |
| Equity capital to assets | 18.0723% | 374 |
| Core capital (leverage) ratio | 13.2670% | 1,197 |
| Tier 1 risk-based capital ratio | 18.0307% | 1,801 |
| Total risk-based capital ratio | 19.1097% | 1,795 |
| Memoranda: | ||
| Average total assets | $68,715,670 | 4,539 |
| Average earning assets | $62,169,330 | 4,559 |
| Average equity | $12,075,000 | 4,035 |
| Average total loans | $43,307,000 | 4,410 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 3,671 |
| Cost of funding earning assets | 0.4800% | 4,156 |
| Net interest margin | 3.7823% | 2,596 |
| Noninterest income to average assets | 0.3824% | 3,310 |
| Noninterest expense to average assets | 2.1610% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5642% | 973 |
| Return on assets (ROA) | 1.5642% | 1,002 |
| Pretax return on assets | 1.6453% | 1,359 |
| Return on Equity (ROE) | 9.0282% | 2,799 |
| Retained earnings to average equity (ytd only) | -11.0345% | 5,138 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7732% | 4,244 |
| Assets per employee ($millions) | 5.7313% | 1,765 |
| Cash dividends to net income (ytd only)* | 222.2222% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 60.8570% | 3,617 |
| Net loans and leases to deposits | 73.8991% | 3,462 |
| Net loans and leases to core deposits | 77.2575% | 3,577 |
| Total domestic deposits to total assets | 82.3514% | 3,631 |
| Equity capital to assets | 17.2618% | 423 |
| Core capital (leverage) ratio | 13.1179% | 1,214 |
| Tier 1 risk-based capital ratio | 17.3759% | 1,984 |
| Total risk-based capital ratio | 18.4474% | 1,990 |
| Memoranda: | ||
| Average total assets | $69,043,500 | 4,585 |
| Average earning assets | $62,501,500 | 4,605 |
| Average equity | $11,962,500 | 4,058 |
| Average total loans | $43,687,000 | 4,436 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 3,068 |
| Cost of funding earning assets | 0.3609% | 4,213 |
| Net interest margin | 3.9499% | 2,158 |
| Noninterest income to average assets | 0.4277% | 3,259 |
| Noninterest expense to average assets | 2.3464% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5672% | 952 |
| Return on assets (ROA) | 1.5672% | 943 |
| Pretax return on assets | 1.6405% | 1,340 |
| Return on Equity (ROE) | 8.9552% | 3,016 |
| Retained earnings to average equity (ytd only) | 4.7705% | 2,907 |
| Net charge-offs to loans | -0.0047% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8538% | 4,029 |
| Assets per employee ($millions) | 5.7759% | 1,696 |
| Cash dividends to net income (ytd only)* | 46.7290% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,845 |
| 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 | 64.1846% | 3,338 |
| Net loans and leases to deposits | 81.3320% | 2,811 |
| Net loans and leases to core deposits | 84.2684% | 3,056 |
| Total domestic deposits to total assets | 78.9168% | 4,327 |
| Equity capital to assets | 17.3897% | 385 |
| Core capital (leverage) ratio | 13.4308% | 1,094 |
| Tier 1 risk-based capital ratio | 17.3638% | 1,932 |
| Total risk-based capital ratio | 18.3940% | 1,959 |
| Memoranda: | ||
| Average total assets | $68,273,600 | 4,611 |
| Average earning assets | $61,520,000 | 4,638 |
| Average equity | $11,948,400 | 4,038 |
| Average total loans | $42,677,200 | 4,479 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 3,273 |
| Cost of funding earning assets | 0.3178% | 4,389 |
| Net interest margin | 3.8947% | 2,323 |
| Noninterest income to average assets | 0.4195% | 3,355 |
| Noninterest expense to average assets | 2.2465% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6016% | 959 |
| Return on assets (ROA) | 1.6016% | 963 |
| Pretax return on assets | 1.6800% | 1,323 |
| Return on Equity (ROE) | 9.1368% | 3,027 |
| Retained earnings to average equity (ytd only) | 9.1368% | 1,170 |
| Net charge-offs to loans | -0.0063% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2142% | 4,223 |
| Assets per employee ($millions) | 5.2337% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,590 |
| 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 | 62.1035% | 3,648 |
| Net loans and leases to deposits | 80.7036% | 2,961 |
| Net loans and leases to core deposits | 82.6824% | 3,278 |
| Total domestic deposits to total assets | 76.9526% | 4,652 |
| Equity capital to assets | 18.0017% | 334 |
| Core capital (leverage) ratio | 14.0689% | 920 |
| Tier 1 risk-based capital ratio | 18.0145% | 1,787 |
| Total risk-based capital ratio | 19.0536% | 1,804 |
| Memoranda: | ||
| Average total assets | $68,014,250 | 4,660 |
| Average earning assets | $61,244,500 | 4,694 |
| Average equity | $11,922,250 | 4,075 |
| Average total loans | $42,095,750 | 4,543 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 3,357 |
| Cost of funding earning assets | 0.2708% | 4,628 |
| Net interest margin | 3.8561% | 2,355 |
| Noninterest income to average assets | 0.3882% | 3,569 |
| Noninterest expense to average assets | 2.2351% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5499% | 1,035 |
| Return on assets (ROA) | 1.5499% | 1,041 |
| Pretax return on assets | 1.6293% | 1,404 |
| Return on Equity (ROE) | 8.9219% | 3,061 |
| Retained earnings to average equity (ytd only) | 8.9219% | 1,243 |
| Net charge-offs to loans | -0.0096% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8387% | 4,260 |
| Assets per employee ($millions) | 5.1823% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,562 |
| 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 | 61.6105% | 3,651 |
| Net loans and leases to deposits | 75.9353% | 3,344 |
| Net loans and leases to core deposits | 77.3504% | 3,633 |
| Total domestic deposits to total assets | 81.1355% | 3,959 |
| Equity capital to assets | 17.8462% | 338 |
| Core capital (leverage) ratio | 13.4471% | 1,079 |
| Tier 1 risk-based capital ratio | 18.3581% | 1,710 |
| Total risk-based capital ratio | 19.4527% | 1,704 |
| Memoranda: | ||
| Average total assets | $68,006,330 | 4,712 |
| Average earning assets | $61,304,670 | 4,742 |
| Average equity | $11,813,670 | 4,116 |
| Average total loans | $41,871,000 | 4,589 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 3,609 |
| Cost of funding earning assets | 0.2272% | 4,850 |
| Net interest margin | 3.7721% | 2,535 |
| Noninterest income to average assets | 0.4098% | 3,395 |
| Noninterest expense to average assets | 2.2130% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5221% | 1,030 |
| Return on assets (ROA) | 1.5221% | 1,030 |
| Pretax return on assets | 1.5983% | 1,400 |
| Return on Equity (ROE) | 8.8821% | 2,961 |
| Retained earnings to average equity (ytd only) | 8.8821% | 1,504 |
| Net charge-offs to loans | -0.0096% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0645% | 4,327 |
| Assets per employee ($millions) | 5.2507% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,532 |
| 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 | 59.7181% | 3,777 |
| Net loans and leases to deposits | 72.4341% | 3,561 |
| Net loans and leases to core deposits | 73.7445% | 3,838 |
| Total domestic deposits to total assets | 82.4448% | 3,829 |
| Equity capital to assets | 17.2490% | 383 |
| Core capital (leverage) ratio | 13.1215% | 1,129 |
| Tier 1 risk-based capital ratio | 18.0443% | 1,827 |
| Total risk-based capital ratio | 19.1523% | 1,813 |
| Memoranda: | ||
| Average total assets | $68,324,500 | 4,767 |
| Average earning assets | $61,610,000 | 4,794 |
| Average equity | $11,709,000 | 4,166 |
| Average total loans | $41,795,000 | 4,640 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 3,686 |
| Cost of funding earning assets | 0.1898% | 5,022 |
| Net interest margin | 3.7214% | 2,715 |
| Noninterest income to average assets | 0.4872% | 3,084 |
| Noninterest expense to average assets | 2.3088% | 4,306 |
| Loan and lease loss provision to assets | 0.0561% | 3,107 |
| Net operating income to assets | 1.4172% | 978 |
| Return on assets (ROA) | 1.4172% | 999 |
| Pretax return on assets | 1.4806% | 1,718 |
| Return on Equity (ROE) | 7.8002% | 2,887 |
| Retained earnings to average equity (ytd only) | -10.0752% | 5,535 |
| Net charge-offs to loans | -0.0261% | 5,021 |
| Credit loss provision to net charge-offs | -345.4545% | 4,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0384% | 4,259 |
| Assets per employee ($millions) | 5.6992% | 1,753 |
| Cash dividends to net income (ytd only)* | 229.1667% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 61.1171% | 3,721 |
| Net loans and leases to deposits | 81.9071% | 2,724 |
| Net loans and leases to core deposits | 83.5425% | 3,097 |
| Total domestic deposits to total assets | 74.6176% | 5,120 |
| Equity capital to assets | 17.0259% | 397 |
| Core capital (leverage) ratio | 12.7755% | 1,230 |
| Tier 1 risk-based capital ratio | 17.0392% | 2,076 |
| Total risk-based capital ratio | 18.1168% | 2,083 |
| Memoranda: | ||
| Average total assets | $67,740,800 | 4,816 |
| Average earning assets | $61,133,000 | 4,837 |
| Average equity | $12,307,400 | 4,088 |
| Average total loans | $42,066,800 | 4,664 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 3,541 |
| Cost of funding earning assets | 0.1878% | 5,072 |
| Net interest margin | 3.7547% | 2,562 |
| Noninterest income to average assets | 0.4558% | 3,303 |
| Noninterest expense to average assets | 2.1762% | 4,577 |
| Loan and lease loss provision to assets | 0.0691% | 2,694 |
| Net operating income to assets | 1.5291% | 839 |
| Return on assets (ROA) | 1.5291% | 862 |
| Pretax return on assets | 1.6020% | 1,415 |
| Return on Equity (ROE) | 8.2842% | 2,981 |
| Retained earnings to average equity (ytd only) | -5.6118% | 5,555 |
| Net charge-offs to loans | -0.0317% | 5,014 |
| Credit loss provision to net charge-offs | -350.0000% | 4,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5641% | 4,671 |
| Assets per employee ($millions) | 5.6599% | 1,771 |
| Cash dividends to net income (ytd only)* | 167.7415% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,790 |
| Loan loss allowance to noncurrent loans | 7,285.7143% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 5,213 |
| Noncurrent loans to loans | 0.0168% | 5,065 |
| Net loans and leases to total assets | 60.7017% | 3,791 |
| Net loans and leases to deposits | 81.0187% | 2,875 |
| Net loans and leases to core deposits | 82.6411% | 3,235 |
| Total domestic deposits to total assets | 74.9231% | 5,134 |
| Equity capital to assets | 18.3469% | 307 |
| Core capital (leverage) ratio | 13.9834% | 896 |
| Tier 1 risk-based capital ratio | 19.7225% | 1,432 |
| Total risk-based capital ratio | 20.8601% | 1,419 |
| Memoranda: | ||
| Average total assets | $67,578,500 | 4,869 |
| Average earning assets | $61,042,500 | 4,889 |
| Average equity | $12,473,250 | 4,102 |
| Average total loans | $42,005,500 | 4,716 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8556% | 3,701 |
| Cost of funding earning assets | 0.1867% | 5,093 |
| Net interest margin | 3.6689% | 2,758 |
| Noninterest income to average assets | 0.4002% | 3,693 |
| Noninterest expense to average assets | 2.1848% | 4,585 |
| Loan and lease loss provision to assets | 0.0949% | 2,091 |
| Net operating income to assets | 1.3726% | 1,123 |
| Return on assets (ROA) | 1.3726% | 1,149 |
| Pretax return on assets | 1.4407% | 1,856 |
| Return on Equity (ROE) | 7.4215% | 3,328 |
| Retained earnings to average equity (ytd only) | -13.4163% | 5,692 |
| Net charge-offs to loans | -0.0475% | 5,152 |
| Credit loss provision to net charge-offs | -320.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7251% | 4,503 |
| Assets per employee ($millions) | 5.5746% | 1,803 |
| Cash dividends to net income (ytd only)* | 280.7775% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 60.0389% | 3,840 |
| Net loans and leases to deposits | 73.8752% | 3,560 |
| Net loans and leases to core deposits | 75.2567% | 3,837 |
| Total domestic deposits to total assets | 81.2706% | 4,115 |
| Equity capital to assets | 18.4050% | 297 |
| Core capital (leverage) ratio | 13.4374% | 1,012 |
| Tier 1 risk-based capital ratio | 19.2032% | 1,549 |
| Total risk-based capital ratio | 20.3421% | 1,525 |
| Memoranda: | ||
| Average total assets | $67,465,000 | 4,914 |
| Average earning assets | $61,053,330 | 4,923 |
| Average equity | $12,477,330 | 4,113 |
| Average total loans | $42,094,670 | 4,740 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 3,674 |
| Cost of funding earning assets | 0.1825% | 5,136 |
| Net interest margin | 3.6426% | 2,723 |
| Noninterest income to average assets | 0.4015% | 3,653 |
| Noninterest expense to average assets | 2.1727% | 4,716 |
| Loan and lease loss provision to assets | 0.1063% | 1,797 |
| Net operating income to assets | 1.3579% | 1,094 |
| Return on assets (ROA) | 1.3579% | 1,131 |
| Pretax return on assets | 1.4229% | 1,800 |
| Return on Equity (ROE) | 7.3248% | 3,250 |
| Retained earnings to average equity (ytd only) | -34.0764% | 5,799 |
| Net charge-offs to loans | -0.0093% | 4,393 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6922% | 4,631 |
| Assets per employee ($millions) | 5.6255% | 1,786 |
| Cash dividends to net income (ytd only)* | 565.2174% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 3,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.3162% | 3,855 |
| Net loans and leases to deposits | 72.4467% | 3,565 |
| Net loans and leases to core deposits | 73.3733% | 3,890 |
| Total domestic deposits to total assets | 81.8757% | 4,198 |
| Equity capital to assets | 17.8369% | 315 |
| Core capital (leverage) ratio | 12.7770% | 1,226 |
| Tier 1 risk-based capital ratio | 18.5995% | 1,719 |
| Total risk-based capital ratio | 19.6844% | 1,715 |
| Memoranda: | ||
| Average total assets | $67,750,000 | 4,958 |
| Average earning assets | $61,384,000 | 4,966 |
| Average equity | $12,560,000 | 4,128 |
| Average total loans | $42,807,500 | 4,759 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 4,032 |
| Cost of funding earning assets | 0.2066% | 4,953 |
| Net interest margin | 3.5511% | 3,246 |
| Noninterest income to average assets | 0.4044% | 3,842 |
| Noninterest expense to average assets | 2.1571% | 4,870 |
| Loan and lease loss provision to assets | 0.6016% | 217 |
| Net operating income to assets | 0.8300% | 3,158 |
| Return on assets (ROA) | 1.1046% | 1,973 |
| Pretax return on assets | 1.1525% | 2,885 |
| Return on Equity (ROE) | 6.0331% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.0331% | 1,684 |
| Net charge-offs to loans | 0.8690% | 224 |
| Credit loss provision to net charge-offs | 109.2072% | 2,403 |
| Earnings coverage of net charge-offs (x) | 2.6650% | 3,790 |
| Efficiency ratio | 59.5025% | 4,662 |
| Assets per employee ($millions) | 5.2303% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 4,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 65.6293% | 3,129 |
| Net loans and leases to deposits | 82.5392% | 2,603 |
| Net loans and leases to core deposits | 83.6172% | 3,061 |
| Total domestic deposits to total assets | 79.5129% | 4,676 |
| Equity capital to assets | 19.2355% | 231 |
| Core capital (leverage) ratio | 14.2405% | 749 |
| Tier 1 risk-based capital ratio | 18.4826% | 1,735 |
| Total risk-based capital ratio | 19.4002% | 1,778 |
| Memoranda: | ||
| Average total assets | $70,974,600 | 4,914 |
| Average earning assets | $64,374,000 | 4,935 |
| Average equity | $12,995,000 | 4,086 |
| Average total loans | $44,996,600 | 4,713 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 4,458 |
| Cost of funding earning assets | 0.2089% | 4,986 |
| Net interest margin | 3.4241% | 3,756 |
| Noninterest income to average assets | 0.3792% | 4,073 |
| Noninterest expense to average assets | 2.0524% | 5,102 |
| Loan and lease loss provision to assets | 0.7696% | 139 |
| Net operating income to assets | 0.6399% | 4,123 |
| Return on assets (ROA) | 0.5596% | 4,565 |
| Pretax return on assets | 0.5819% | 4,924 |
| Return on Equity (ROE) | 3.0933% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.0933% | 4,057 |
| Net charge-offs to loans | 1.1710% | 135 |
| Credit loss provision to net charge-offs | 104.8101% | 2,286 |
| Earnings coverage of net charge-offs (x) | 1.9544% | 3,637 |
| Efficiency ratio | 58.8486% | 4,707 |
| Assets per employee ($millions) | 5.4449% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 4,486 |
| Loan loss allowance to noncurrent loans | 39.6277% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.6557% | 1,041 |
| Noncurrent loans to loans | 2.4898% | 710 |
| Net loans and leases to total assets | 63.3717% | 3,477 |
| Net loans and leases to deposits | 82.7589% | 2,640 |
| Net loans and leases to core deposits | 83.8355% | 3,140 |
| Total domestic deposits to total assets | 76.5738% | 5,156 |
| Equity capital to assets | 18.6101% | 292 |
| Core capital (leverage) ratio | 13.4257% | 1,028 |
| Tier 1 risk-based capital ratio | 16.6723% | 2,345 |
| Total risk-based capital ratio | 17.5111% | 2,471 |
| Memoranda: | ||
| Average total assets | $71,719,750 | 4,937 |
| Average earning assets | $65,106,250 | 4,955 |
| Average equity | $12,974,000 | 4,130 |
| Average total loans | $44,973,500 | 4,754 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 5,010 |
| Cost of funding earning assets | 0.2047% | 5,096 |
| Net interest margin | 3.2325% | 4,438 |
| Noninterest income to average assets | 0.2915% | 4,700 |
| Noninterest expense to average assets | 2.0824% | 5,100 |
| Loan and lease loss provision to assets | 1.1356% | 86 |
| Net operating income to assets | 0.0100% | 5,759 |
| Return on assets (ROA) | -0.0666% | 5,821 |
| Pretax return on assets | -0.0722% | 5,820 |
| Return on Equity (ROE) | -0.3719% | 5,813 |
| Retained earnings to average equity (ytd only) | -0.3719% | 5,349 |
| Net charge-offs to loans | 1.7743% | 80 |
| Credit loss provision to net charge-offs | 102.7638% | 2,055 |
| Earnings coverage of net charge-offs (x) | 1.0377% | 3,462 |
| Efficiency ratio | 64.4884% | 3,934 |
| Assets per employee ($millions) | 5.4521% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 4,507 |
| Loan loss allowance to noncurrent loans | 38.5088% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6818% | 1,072 |
| Noncurrent loans to loans | 2.6012% | 644 |
| Net loans and leases to total assets | 61.2145% | 3,726 |
| Net loans and leases to deposits | 74.9901% | 3,480 |
| Net loans and leases to core deposits | 75.9018% | 3,831 |
| Total domestic deposits to total assets | 81.6301% | 4,109 |
| Equity capital to assets | 18.1074% | 330 |
| Core capital (leverage) ratio | 12.6055% | 1,302 |
| Tier 1 risk-based capital ratio | 16.3966% | 2,468 |
| Total risk-based capital ratio | 17.2375% | 2,586 |
| Memoranda: | ||
| Average total assets | $72,031,670 | 4,977 |
| Average earning assets | $65,460,000 | 4,995 |
| Average equity | $12,907,670 | 4,161 |
| Average total loans | $44,863,330 | 4,799 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 2,972 |
| Cost of funding earning assets | 0.2061% | 5,146 |
| Net interest margin | 3.8616% | 2,062 |
| Noninterest income to average assets | 0.2314% | 5,087 |
| Noninterest expense to average assets | 2.0493% | 5,222 |
| Loan and lease loss provision to assets | 0.0275% | 3,303 |
| Net operating income to assets | 1.5830% | 723 |
| Return on assets (ROA) | 1.5150% | 872 |
| Pretax return on assets | 1.5921% | 1,318 |
| Return on Equity (ROE) | 8.4978% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.4978% | 1,264 |
| Net charge-offs to loans | -0.0088% | 4,469 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7865% | 5,305 |
| Assets per employee ($millions) | 5.3867% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 4,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 4,837 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.5840% | 3,301 |
| Net loans and leases to deposits | 79.0070% | 2,895 |
| Net loans and leases to core deposits | 79.9935% | 3,322 |
| Total domestic deposits to total assets | 80.4790% | 4,641 |
| Equity capital to assets | 18.6471% | 281 |
| Core capital (leverage) ratio | 12.9489% | 1,179 |
| Tier 1 risk-based capital ratio | 16.3387% | 2,545 |
| Total risk-based capital ratio | 17.1391% | 2,669 |
| Memoranda: | ||
| Average total assets | $72,609,000 | 5,008 |
| Average earning assets | $65,982,500 | 5,023 |
| Average equity | $12,944,500 | 4,173 |
| Average total loans | $45,382,000 | 4,820 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,550 |
| Cost of funding earning assets | 0.2047% | 5,246 |
| Net interest margin | 3.7391% | 2,608 |
| Noninterest income to average assets | 0.4479% | 3,689 |
| Noninterest expense to average assets | 2.0074% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8111% | 478 |
| Return on assets (ROA) | 1.7264% | 573 |
| Pretax return on assets | 1.7522% | 886 |
| Return on Equity (ROE) | 9.7034% | 2,130 |
| Retained earnings to average equity (ytd only) | 1.3121% | 4,972 |
| Net charge-offs to loans | -0.0095% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2061% | 5,624 |
| Assets per employee ($millions) | 5.7839% | 1,550 |
| Cash dividends to net income (ytd only)* | 86.4780% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 4,944 |
| Loan loss allowance to noncurrent loans | 1,783.3333% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 4,758 |
| Noncurrent loans to loans | 0.0524% | 5,301 |
| Net loans and leases to total assets | 60.3476% | 3,789 |
| Net loans and leases to deposits | 78.4441% | 3,000 |
| Net loans and leases to core deposits | 79.3967% | 3,407 |
| Total domestic deposits to total assets | 76.9307% | 5,326 |
| Equity capital to assets | 17.0645% | 403 |
| Core capital (leverage) ratio | 12.3183% | 1,441 |
| Tier 1 risk-based capital ratio | 15.6903% | 2,837 |
| Total risk-based capital ratio | 16.4726% | 3,006 |
| Memoranda: | ||
| Average total assets | $73,677,800 | 5,000 |
| Average earning assets | $66,940,800 | 5,020 |
| Average equity | $13,108,800 | 4,121 |
| Average total loans | $42,226,000 | 4,923 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 3,581 |
| Cost of funding earning assets | 0.1983% | 5,391 |
| Net interest margin | 3.7431% | 2,599 |
| Noninterest income to average assets | 0.3802% | 4,212 |
| Noninterest expense to average assets | 1.8917% | 5,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7985% | 524 |
| Return on assets (ROA) | 1.7207% | 622 |
| Pretax return on assets | 1.8062% | 886 |
| Return on Equity (ROE) | 9.5711% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.5711% | 721 |
| Net charge-offs to loans | -0.0097% | 4,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0481% | 5,775 |
| Assets per employee ($millions) | 5.5462% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 4,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 4,963 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 57.4916% | 4,200 |
| Net loans and leases to deposits | 76.5744% | 3,234 |
| Net loans and leases to core deposits | 77.5688% | 3,643 |
| Total domestic deposits to total assets | 75.0794% | 5,616 |
| Equity capital to assets | 18.9082% | 281 |
| Core capital (leverage) ratio | 13.5913% | 981 |
| Tier 1 risk-based capital ratio | 18.3095% | 1,952 |
| Total risk-based capital ratio | 19.1450% | 2,022 |
| Memoranda: | ||
| Average total assets | $73,299,500 | 5,068 |
| Average earning assets | $66,574,500 | 5,089 |
| Average equity | $13,178,250 | 4,148 |
| Average total loans | $41,331,500 | 5,011 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 3,710 |
| Cost of funding earning assets | 0.1968% | 5,463 |
| Net interest margin | 3.6997% | 2,710 |
| Noninterest income to average assets | 0.3175% | 4,683 |
| Noninterest expense to average assets | 1.8888% | 5,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7097% | 620 |
| Return on assets (ROA) | 1.7097% | 650 |
| Pretax return on assets | 1.7965% | 901 |
| Return on Equity (ROE) | 9.6725% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.6725% | 735 |
| Net charge-offs to loans | -0.0097% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2518% | 5,776 |
| Assets per employee ($millions) | 5.5495% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 4,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 5,035 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 56.3658% | 4,302 |
| Net loans and leases to deposits | 70.6058% | 3,862 |
| Net loans and leases to core deposits | 70.9557% | 4,230 |
| Total domestic deposits to total assets | 79.8317% | 4,904 |
| Equity capital to assets | 18.4328% | 300 |
| Core capital (leverage) ratio | 13.1043% | 1,132 |
| Tier 1 risk-based capital ratio | 17.4873% | 2,228 |
| Total risk-based capital ratio | 18.3112% | 2,323 |
| Memoranda: | ||
| Average total assets | $73,699,000 | 5,111 |
| Average earning assets | $67,085,670 | 5,129 |
| Average equity | $13,026,670 | 4,205 |
| Average total loans | $41,149,000 | 5,064 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 4,026 |
| Cost of funding earning assets | 0.1945% | 5,559 |
| Net interest margin | 3.6015% | 2,996 |
| Noninterest income to average assets | 0.2847% | 4,897 |
| Noninterest expense to average assets | 1.8422% | 5,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6381% | 666 |
| Return on assets (ROA) | 1.6381% | 698 |
| Pretax return on assets | 1.7240% | 1,004 |
| Return on Equity (ROE) | 9.4640% | 2,236 |
| Retained earnings to average equity (ytd only) | 9.4640% | 1,050 |
| Net charge-offs to loans | -0.0097% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6566% | 5,829 |
| Assets per employee ($millions) | 5.5725% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 4,720 |
| Loan loss allowance to noncurrent loans | 833.3333% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 4,812 |
| Noncurrent loans to loans | 0.1268% | 5,319 |
| Net loans and leases to total assets | 54.9135% | 4,329 |
| Net loans and leases to deposits | 67.2999% | 4,026 |
| Net loans and leases to core deposits | 67.6249% | 4,371 |
| Total domestic deposits to total assets | 81.5952% | 4,641 |
| Equity capital to assets | 18.0211% | 329 |
| Core capital (leverage) ratio | 12.4832% | 1,369 |
| Tier 1 risk-based capital ratio | 17.2539% | 2,392 |
| Total risk-based capital ratio | 18.0951% | 2,492 |
| Memoranda: | ||
| Average total assets | $74,477,000 | 5,141 |
| Average earning assets | $67,861,500 | 5,147 |
| Average equity | $12,891,000 | 4,253 |
| Average total loans | $41,178,500 | 5,098 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 4,257 |
| Cost of funding earning assets | 0.2539% | 5,283 |
| Net interest margin | 3.6137% | 3,362 |
| Noninterest income to average assets | 0.4168% | 4,064 |
| Noninterest expense to average assets | 2.0632% | 5,654 |
| Loan and lease loss provision to assets | 0.0157% | 4,296 |
| Net operating income to assets | 1.5552% | 787 |
| Return on assets (ROA) | 1.5366% | 845 |
| Pretax return on assets | 1.6098% | 1,210 |
| Return on Equity (ROE) | 9.0359% | 2,565 |
| Retained earnings to average equity (ytd only) | 0.5840% | 5,510 |
| Net charge-offs to loans | 0.0050% | 4,848 |
| Credit loss provision to net charge-offs | 600.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 629.5000% | 80 |
| Efficiency ratio | 55.6378% | 5,703 |
| Assets per employee ($millions) | 5.8855% | 1,461 |
| Cash dividends to net income (ytd only)* | 93.5374% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 5,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 5,163 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.5373% | 4,508 |
| Net loans and leases to deposits | 76.5408% | 3,137 |
| Net loans and leases to core deposits | 76.9417% | 3,615 |
| Total domestic deposits to total assets | 71.2525% | 6,129 |
| Equity capital to assets | 16.6342% | 463 |
| Core capital (leverage) ratio | 11.6593% | 1,858 |
| Tier 1 risk-based capital ratio | 16.9290% | 2,538 |
| Total risk-based capital ratio | 17.7824% | 2,646 |
| Memoranda: | ||
| Average total assets | $76,531,800 | 5,136 |
| Average earning assets | $69,707,800 | 5,130 |
| Average equity | $13,014,800 | 4,195 |
| Average total loans | $40,238,400 | 5,176 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 4,319 |
| Cost of funding earning assets | 0.2601% | 5,303 |
| Net interest margin | 3.6025% | 3,416 |
| Noninterest income to average assets | 0.3623% | 4,531 |
| Noninterest expense to average assets | 1.9737% | 5,811 |
| Loan and lease loss provision to assets | 0.0157% | 4,097 |
| Net operating income to assets | 1.5769% | 795 |
| Return on assets (ROA) | 1.5504% | 874 |
| Pretax return on assets | 1.6271% | 1,242 |
| Return on Equity (ROE) | 9.0675% | 2,644 |
| Retained earnings to average equity (ytd only) | 9.0675% | 972 |
| Net charge-offs to loans | 0.0302% | 3,885 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 106.5525% | 559 |
| Efficiency ratio | 54.1587% | 5,804 |
| Assets per employee ($millions) | 5.8324% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 4,919 |
| Loan loss allowance to noncurrent loans | 1,061.5385% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 5,072 |
| Noncurrent loans to loans | 0.1003% | 5,637 |
| Net loans and leases to total assets | 50.7406% | 4,918 |
| Net loans and leases to deposits | 69.3489% | 3,989 |
| Net loans and leases to core deposits | 69.7058% | 4,352 |
| Total domestic deposits to total assets | 73.1671% | 6,079 |
| Equity capital to assets | 17.9040% | 344 |
| Core capital (leverage) ratio | 13.0061% | 1,173 |
| Tier 1 risk-based capital ratio | 19.5569% | 1,768 |
| Total risk-based capital ratio | 20.4346% | 1,831 |
| Memoranda: | ||
| Average total assets | $76,537,000 | 5,197 |
| Average earning assets | $69,728,500 | 5,181 |
| Average equity | $13,086,750 | 4,202 |
| Average total loans | $39,760,250 | 5,252 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 4,235 |
| Cost of funding earning assets | 0.2683% | 5,303 |
| Net interest margin | 3.6082% | 3,331 |
| Noninterest income to average assets | 0.3022% | 4,991 |
| Noninterest expense to average assets | 1.9069% | 5,991 |
| Loan and lease loss provision to assets | 0.0156% | 3,950 |
| Net operating income to assets | 1.5922% | 714 |
| Return on assets (ROA) | 1.5526% | 823 |
| Pretax return on assets | 1.6307% | 1,179 |
| Return on Equity (ROE) | 9.2232% | 2,493 |
| Retained earnings to average equity (ytd only) | 9.2232% | 911 |
| Net charge-offs to loans | -0.0100% | 5,319 |
| Credit loss provision to net charge-offs | -300.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0435% | 5,994 |
| Assets per employee ($millions) | 5.3665% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 4,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 5,329 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 50.1111% | 4,953 |
| Net loans and leases to deposits | 62.2082% | 4,671 |
| Net loans and leases to core deposits | 62.5015% | 4,929 |
| Total domestic deposits to total assets | 80.5540% | 5,110 |
| Equity capital to assets | 17.8076% | 338 |
| Core capital (leverage) ratio | 12.3796% | 1,457 |
| Tier 1 risk-based capital ratio | 19.1743% | 1,881 |
| Total risk-based capital ratio | 20.0803% | 1,927 |
| Memoranda: | ||
| Average total assets | $76,775,670 | 5,231 |
| Average earning assets | $70,062,330 | 5,220 |
| Average equity | $12,924,000 | 4,236 |
| Average total loans | $40,051,670 | 5,274 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 4,320 |
| Cost of funding earning assets | 0.2824% | 5,254 |
| Net interest margin | 3.5579% | 3,445 |
| Noninterest income to average assets | 0.3299% | 4,734 |
| Noninterest expense to average assets | 1.8918% | 6,081 |
| Loan and lease loss provision to assets | 0.0155% | 3,625 |
| Net operating income to assets | 1.5877% | 681 |
| Return on assets (ROA) | 1.5877% | 711 |
| Pretax return on assets | 1.6701% | 1,030 |
| Return on Equity (ROE) | 9.7035% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.7035% | 1,046 |
| Net charge-offs to loans | -0.0097% | 5,037 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8818% | 6,088 |
| Assets per employee ($millions) | 5.7572% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 5,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 5,396 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 52.6970% | 4,578 |
| Net loans and leases to deposits | 63.9253% | 4,321 |
| Net loans and leases to core deposits | 64.2209% | 4,673 |
| Total domestic deposits to total assets | 82.4352% | 4,804 |
| Equity capital to assets | 17.2160% | 374 |
| Core capital (leverage) ratio | 12.1871% | 1,545 |
| Tier 1 risk-based capital ratio | 17.9849% | 2,305 |
| Total risk-based capital ratio | 18.8547% | 2,416 |
| Memoranda: | ||
| Average total assets | $77,598,000 | 5,262 |
| Average earning assets | $70,828,500 | 5,255 |
| Average equity | $12,696,500 | 4,294 |
| Average total loans | $41,042,000 | 5,277 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 4,384 |
| Cost of funding earning assets | 0.3943% | 4,710 |
| Net interest margin | 3.5265% | 3,784 |
| Noninterest income to average assets | 0.4461% | 4,109 |
| Noninterest expense to average assets | 1.9850% | 6,057 |
| Loan and lease loss provision to assets | 0.0154% | 4,816 |
| Net operating income to assets | 1.5883% | 708 |
| Return on assets (ROA) | 1.5505% | 782 |
| Pretax return on assets | 1.6250% | 1,109 |
| Return on Equity (ROE) | 10.0520% | 2,093 |
| Retained earnings to average equity (ytd only) | 10.0520% | 557 |
| Net charge-offs to loans | -0.0196% | 6,137 |
| Credit loss provision to net charge-offs | -150.0000% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1564% | 6,124 |
| Assets per employee ($millions) | 6.1810% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 5,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 5,518 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 52.0354% | 4,842 |
| Net loans and leases to deposits | 70.3610% | 3,736 |
| Net loans and leases to core deposits | 70.6988% | 4,225 |
| Total domestic deposits to total assets | 73.9549% | 6,287 |
| Equity capital to assets | 15.5663% | 587 |
| Core capital (leverage) ratio | 11.2982% | 2,122 |
| Tier 1 risk-based capital ratio | 16.3614% | 2,929 |
| Total risk-based capital ratio | 17.1742% | 3,089 |
| Memoranda: | ||
| Average total assets | $77,782,600 | 5,288 |
| Average earning assets | $71,004,800 | 5,282 |
| Average equity | $11,997,600 | 4,439 |
| Average total loans | $40,877,400 | 5,308 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 4,352 |
| Cost of funding earning assets | 0.4145% | 4,678 |
| Net interest margin | 3.5244% | 3,780 |
| Noninterest income to average assets | 0.4131% | 4,426 |
| Noninterest expense to average assets | 1.9324% | 6,133 |
| Loan and lease loss provision to assets | 0.0156% | 4,703 |
| Net operating income to assets | 1.6050% | 745 |
| Return on assets (ROA) | 1.5590% | 859 |
| Pretax return on assets | 1.6351% | 1,252 |
| Return on Equity (ROE) | 10.1318% | 2,130 |
| Retained earnings to average equity (ytd only) | 10.1318% | 761 |
| Net charge-offs to loans | -0.0263% | 6,133 |
| Credit loss provision to net charge-offs | -112.5000% | 5,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2128% | 6,169 |
| Assets per employee ($millions) | 5.4736% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 5,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 5,657 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 50.9976% | 5,003 |
| Net loans and leases to deposits | 66.1857% | 4,281 |
| Net loans and leases to core deposits | 66.5056% | 4,669 |
| Total domestic deposits to total assets | 77.0524% | 6,040 |
| Equity capital to assets | 16.0744% | 541 |
| Core capital (leverage) ratio | 11.1998% | 2,305 |
| Tier 1 risk-based capital ratio | 16.7971% | 2,812 |
| Total risk-based capital ratio | 17.6547% | 2,947 |
| Memoranda: | ||
| Average total assets | $77,140,000 | 5,355 |
| Average earning assets | $70,439,500 | 5,356 |
| Average equity | $11,870,000 | 4,522 |
| Average total loans | $40,540,250 | 5,374 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 4,305 |
| Cost of funding earning assets | 0.4302% | 4,661 |
| Net interest margin | 3.5149% | 3,721 |
| Noninterest income to average assets | 0.3803% | 4,667 |
| Noninterest expense to average assets | 2.0023% | 6,043 |
| Loan and lease loss provision to assets | 0.0155% | 4,584 |
| Net operating income to assets | 1.5005% | 898 |
| Return on assets (ROA) | 1.5005% | 968 |
| Pretax return on assets | 1.5755% | 1,434 |
| Return on Equity (ROE) | 9.8970% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.8970% | 871 |
| Net charge-offs to loans | -0.0342% | 6,134 |
| Credit loss provision to net charge-offs | -85.7143% | 5,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7235% | 5,994 |
| Assets per employee ($millions) | 5.3752% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 5,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 5,447 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 51.1421% | 4,981 |
| Net loans and leases to deposits | 61.2981% | 4,825 |
| Net loans and leases to core deposits | 64.0206% | 4,893 |
| Total domestic deposits to total assets | 83.4319% | 4,531 |
| Equity capital to assets | 16.1641% | 506 |
| Core capital (leverage) ratio | 10.4730% | 2,916 |
| Tier 1 risk-based capital ratio | 16.4452% | 2,961 |
| Total risk-based capital ratio | 17.3134% | 3,099 |
| Memoranda: | ||
| Average total assets | $77,309,670 | 5,385 |
| Average earning assets | $70,671,000 | 5,371 |
| Average equity | $11,720,670 | 4,583 |
| Average total loans | $40,890,330 | 5,383 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9152% | 4,417 |
| Cost of funding earning assets | 0.4350% | 4,756 |
| Net interest margin | 3.4802% | 3,781 |
| Noninterest income to average assets | 0.3472% | 4,903 |
| Noninterest expense to average assets | 2.0782% | 5,958 |
| Loan and lease loss provision to assets | 0.0153% | 4,265 |
| Net operating income to assets | 1.3684% | 1,104 |
| Return on assets (ROA) | 1.3684% | 1,193 |
| Pretax return on assets | 1.4399% | 1,739 |
| Return on Equity (ROE) | 9.3225% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.3225% | 1,281 |
| Net charge-offs to loans | -0.0477% | 6,113 |
| Credit loss provision to net charge-offs | -60.0000% | 5,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8150% | 5,743 |
| Assets per employee ($millions) | 5.7484% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 5,984 |
| Loan loss allowance to noncurrent loans | 10,025.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 5,601 |
| Noncurrent loans to loans | 0.0100% | 6,478 |
| Net loans and leases to total assets | 49.3122% | 5,075 |
| Net loans and leases to deposits | 57.9851% | 5,037 |
| Net loans and leases to core deposits | 58.2267% | 5,328 |
| Total domestic deposits to total assets | 85.0429% | 4,017 |
| Equity capital to assets | 14.5433% | 867 |
| Core capital (leverage) ratio | 10.1426% | 3,228 |
| Tier 1 risk-based capital ratio | 14.8900% | 3,918 |
| Total risk-based capital ratio | 15.6973% | 4,180 |
| Memoranda: | ||
| Average total assets | $78,338,000 | 5,409 |
| Average earning assets | $71,720,500 | 5,390 |
| Average equity | $11,499,000 | 4,674 |
| Average total loans | $41,889,000 | 5,381 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 3,894 |
| Cost of funding earning assets | 0.6343% | 4,055 |
| Net interest margin | 3.7466% | 3,456 |
| Noninterest income to average assets | 0.5767% | 3,406 |
| Noninterest expense to average assets | 2.3162% | 5,645 |
| Loan and lease loss provision to assets | 0.1170% | 4,161 |
| Net operating income to assets | 1.4648% | 980 |
| Return on assets (ROA) | 1.4753% | 1,072 |
| Pretax return on assets | 1.5442% | 1,544 |
| Return on Equity (ROE) | 10.0610% | 2,146 |
| Retained earnings to average equity (ytd only) | 7.2454% | 1,453 |
| Net charge-offs to loans | -0.0025% | 6,340 |
| Credit loss provision to net charge-offs | -8,500.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3969% | 5,775 |
| Assets per employee ($millions) | 5.4428% | 1,741 |
| Cash dividends to net income (ytd only)* | 27.9851% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 6,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 5,640 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 56.8236% | 4,141 |
| Net loans and leases to deposits | 67.0512% | 4,129 |
| Net loans and leases to core deposits | 67.3474% | 4,609 |
| Total domestic deposits to total assets | 84.7465% | 3,968 |
| Equity capital to assets | 14.8217% | 783 |
| Core capital (leverage) ratio | 10.4994% | 2,769 |
| Tier 1 risk-based capital ratio | 13.6242% | 4,656 |
| Total risk-based capital ratio | 14.3772% | 4,968 |
| Memoranda: | ||
| Average total assets | $72,661,000 | 5,560 |
| Average earning assets | $65,740,000 | 5,560 |
| Average equity | $10,655,000 | 4,827 |
| Average total loans | $39,499,600 | 5,528 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 3,899 |
| Cost of funding earning assets | 0.6830% | 3,915 |
| Net interest margin | 3.7524% | 3,535 |
| Noninterest income to average assets | 0.5127% | 3,842 |
| Noninterest expense to average assets | 2.2532% | 5,812 |
| Loan and lease loss provision to assets | 0.1152% | 4,125 |
| Net operating income to assets | 1.4606% | 1,101 |
| Return on assets (ROA) | 1.4712% | 1,196 |
| Pretax return on assets | 1.5436% | 1,742 |
| Return on Equity (ROE) | 10.0614% | 2,324 |
| Retained earnings to average equity (ytd only) | 6.2503% | 2,525 |
| Net charge-offs to loans | 0.0173% | 5,435 |
| Credit loss provision to net charge-offs | 1,240.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 177.3073% | 254 |
| Efficiency ratio | 57.7619% | 5,822 |
| Assets per employee ($millions) | 4.7508% | 2,531 |
| Cash dividends to net income (ytd only)* | 37.8789% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 6,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 5,772 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 53.2009% | 4,877 |
| Net loans and leases to deposits | 63.3112% | 4,798 |
| Net loans and leases to core deposits | 63.6129% | 5,196 |
| Total domestic deposits to total assets | 84.0308% | 4,205 |
| Equity capital to assets | 15.5286% | 699 |
| Core capital (leverage) ratio | 10.2658% | 3,207 |
| Tier 1 risk-based capital ratio | 14.6137% | 4,109 |
| Total risk-based capital ratio | 15.3927% | 4,383 |
| Memoranda: | ||
| Average total assets | $71,776,500 | 5,640 |
| Average earning assets | $64,810,250 | 5,648 |
| Average equity | $10,495,250 | 4,915 |
| Average total loans | $38,451,500 | 5,636 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 4,043 |
| Cost of funding earning assets | 0.7392% | 3,693 |
| Net interest margin | 3.6960% | 3,841 |
| Noninterest income to average assets | 0.4197% | 4,504 |
| Noninterest expense to average assets | 2.2794% | 5,797 |
| Loan and lease loss provision to assets | 0.1112% | 4,139 |
| Net operating income to assets | 1.2962% | 1,452 |
| Return on assets (ROA) | 1.3121% | 1,558 |
| Pretax return on assets | 1.3816% | 2,276 |
| Return on Equity (ROE) | 9.1606% | 2,733 |
| Retained earnings to average equity (ytd only) | 3.3382% | 4,380 |
| Net charge-offs to loans | 0.0364% | 4,873 |
| Credit loss provision to net charge-offs | 571.4286% | 545 |
| Earnings coverage of net charge-offs (x) | 75.8571% | 537 |
| Efficiency ratio | 60.6958% | 5,467 |
| Assets per employee ($millions) | 4.7184% | 2,542 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 6,449 |
| Loan loss allowance to noncurrent loans | 947.2222% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 5,694 |
| Noncurrent loans to loans | 0.0951% | 6,425 |
| Net loans and leases to total assets | 52.9869% | 4,961 |
| Net loans and leases to deposits | 62.4503% | 4,943 |
| Net loans and leases to core deposits | 62.7470% | 5,327 |
| Total domestic deposits to total assets | 84.8466% | 3,932 |
| Equity capital to assets | 14.7437% | 847 |
| Core capital (leverage) ratio | 9.4256% | 4,258 |
| Tier 1 risk-based capital ratio | 14.0550% | 4,406 |
| Total risk-based capital ratio | 14.7892% | 4,756 |
| Memoranda: | ||
| Average total assets | $71,948,000 | 5,669 |
| Average earning assets | $64,934,330 | 5,677 |
| Average equity | $10,305,000 | 4,963 |
| Average total loans | $38,509,670 | 5,665 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 4,090 |
| Cost of funding earning assets | 0.6610% | 4,628 |
| Net interest margin | 3.7945% | 3,415 |
| Noninterest income to average assets | 0.4246% | 4,486 |
| Noninterest expense to average assets | 2.2114% | 6,011 |
| Loan and lease loss provision to assets | 0.0993% | 4,102 |
| Net operating income to assets | 1.4570% | 1,109 |
| Return on assets (ROA) | 1.4779% | 1,189 |
| Pretax return on assets | 1.5551% | 1,723 |
| Return on Equity (ROE) | 10.4688% | 2,244 |
| Retained earnings to average equity (ytd only) | 10.4688% | 1,164 |
| Net charge-offs to loans | -0.0927% | 6,760 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5323% | 5,969 |
| Assets per employee ($millions) | 4.8655% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 6,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 5,956 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 49.3382% | 5,389 |
| Net loans and leases to deposits | 58.3532% | 5,337 |
| Net loans and leases to core deposits | 58.6230% | 5,661 |
| Total domestic deposits to total assets | 84.5510% | 4,248 |
| Equity capital to assets | 14.0870% | 995 |
| Core capital (leverage) ratio | 9.7923% | 3,652 |
| Tier 1 risk-based capital ratio | 14.4326% | 4,163 |
| Total risk-based capital ratio | 15.1625% | 4,502 |
| Memoranda: | ||
| Average total assets | $72,534,000 | 5,695 |
| Average earning assets | $65,358,500 | 5,709 |
| Average equity | $10,240,000 | 4,988 |
| Average total loans | $38,843,000 | 5,690 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9999% | 2,882 |
| Cost of funding earning assets | 0.8851% | 4,219 |
| Net interest margin | 4.1148% | 2,368 |
| Noninterest income to average assets | 0.5515% | 3,492 |
| Noninterest expense to average assets | 2.7068% | 4,717 |
| Loan and lease loss provision to assets | 0.0450% | 6,016 |
| Net operating income to assets | 1.3654% | 1,095 |
| Return on assets (ROA) | 1.4028% | 1,109 |
| Pretax return on assets | 1.4688% | 1,562 |
| Return on Equity (ROE) | 9.5072% | 2,245 |
| Retained earnings to average equity (ytd only) | 6.4600% | 1,765 |
| Net charge-offs to loans | -0.0109% | 6,894 |
| Credit loss provision to net charge-offs | -750.0000% | 6,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7312% | 5,001 |
| Assets per employee ($millions) | 4.8057% | 2,445 |
| Cash dividends to net income (ytd only)* | 32.0513% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7426% | 6,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 6,001 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 56.9264% | 4,559 |
| Net loans and leases to deposits | 67.3926% | 4,528 |
| Net loans and leases to core deposits | 68.5785% | 4,957 |
| Total domestic deposits to total assets | 84.4699% | 4,110 |
| Equity capital to assets | 14.1484% | 1,015 |
| Core capital (leverage) ratio | 9.6677% | 3,785 |
| Tier 1 risk-based capital ratio | 12.7910% | 5,247 |
| Total risk-based capital ratio | 13.4099% | 5,695 |
| Memoranda: | ||
| Average total assets | $66,722,000 | 5,848 |
| Average earning assets | $58,861,400 | 5,907 |
| Average equity | $9,845,200 | 5,058 |
| Average total loans | $36,545,600 | 5,845 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 2,824 |
| Cost of funding earning assets | 0.9226% | 4,254 |
| Net interest margin | 4.1330% | 2,336 |
| Noninterest income to average assets | 0.5608% | 3,441 |
| Noninterest expense to average assets | 2.8530% | 4,132 |
| Loan and lease loss provision to assets | 0.0469% | 5,854 |
| Net operating income to assets | 1.2382% | 1,545 |
| Return on assets (ROA) | 1.2847% | 1,517 |
| Pretax return on assets | 1.3459% | 2,128 |
| Return on Equity (ROE) | 8.6092% | 2,776 |
| Retained earnings to average equity (ytd only) | 4.5096% | 3,514 |
| Net charge-offs to loans | -0.0076% | 6,748 |
| Credit loss provision to net charge-offs | -1,150.0000% | 6,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9786% | 4,317 |
| Assets per employee ($millions) | 4.4004% | 3,076 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 6,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 6,018 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 55.2813% | 4,957 |
| Net loans and leases to deposits | 68.5510% | 4,516 |
| Net loans and leases to core deposits | 69.2706% | 5,031 |
| Total domestic deposits to total assets | 80.6427% | 5,550 |
| Equity capital to assets | 15.1426% | 815 |
| Core capital (leverage) ratio | 9.5135% | 4,130 |
| Tier 1 risk-based capital ratio | 13.7798% | 4,515 |
| Total risk-based capital ratio | 14.4621% | 4,917 |
| Memoranda: | ||
| Average total assets | $65,381,000 | 5,935 |
| Average earning assets | $57,519,250 | 5,989 |
| Average equity | $9,756,750 | 5,106 |
| Average total loans | $35,346,250 | 5,954 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0822% | 2,762 |
| Cost of funding earning assets | 0.9496% | 4,321 |
| Net interest margin | 4.1326% | 2,297 |
| Noninterest income to average assets | 0.5309% | 3,623 |
| Noninterest expense to average assets | 2.9614% | 3,786 |
| Loan and lease loss provision to assets | 0.0460% | 5,731 |
| Net operating income to assets | 1.0771% | 1,946 |
| Return on assets (ROA) | 1.1354% | 1,842 |
| Pretax return on assets | 1.1907% | 2,517 |
| Return on Equity (ROE) | 7.6467% | 3,123 |
| Retained earnings to average equity (ytd only) | 1.4467% | 5,267 |
| Net charge-offs to loans | -0.0057% | 6,602 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5875% | 3,814 |
| Assets per employee ($millions) | 4.5461% | 2,762 |
| Cash dividends to net income (ytd only)* | 81.0811% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 6,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 6,128 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 52.2532% | 5,535 |
| Net loans and leases to deposits | 62.1568% | 5,485 |
| Net loans and leases to core deposits | 63.5469% | 5,774 |
| Total domestic deposits to total assets | 84.0668% | 4,313 |
| Equity capital to assets | 14.2775% | 1,001 |
| Core capital (leverage) ratio | 8.7203% | 5,192 |
| Tier 1 risk-based capital ratio | 12.1372% | 5,675 |
| Total risk-based capital ratio | 12.7463% | 6,157 |
| Memoranda: | ||
| Average total assets | $65,172,670 | 5,981 |
| Average earning assets | $56,865,000 | 6,061 |
| Average equity | $9,677,330 | 5,130 |
| Average total loans | $34,866,000 | 6,033 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 2,619 |
| Cost of funding earning assets | 0.9981% | 4,218 |
| Net interest margin | 4.1081% | 2,238 |
| Noninterest income to average assets | 0.5215% | 3,713 |
| Noninterest expense to average assets | 2.7331% | 4,707 |
| Loan and lease loss provision to assets | 0.0503% | 5,372 |
| Net operating income to assets | 1.2418% | 1,412 |
| Return on assets (ROA) | 1.3194% | 1,271 |
| Pretax return on assets | 1.3886% | 1,752 |
| Return on Equity (ROE) | 8.7065% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.7065% | 1,487 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8203% | 4,895 |
| Assets per employee ($millions) | 4.4791% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 6,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 6,167 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 51.1669% | 5,694 |
| Net loans and leases to deposits | 61.0246% | 5,614 |
| Net loans and leases to core deposits | 62.6986% | 5,853 |
| Total domestic deposits to total assets | 83.8463% | 4,547 |
| Equity capital to assets | 14.5685% | 862 |
| Core capital (leverage) ratio | 9.6672% | 3,574 |
| Tier 1 risk-based capital ratio | 12.6965% | 5,071 |
| Total risk-based capital ratio | 13.3013% | 5,636 |
| Memoranda: | ||
| Average total assets | $63,663,500 | 6,072 |
| Average earning assets | $55,306,000 | 6,151 |
| Average equity | $9,648,000 | 5,134 |
| Average total loans | $34,338,000 | 6,111 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2600% | 3,315 |
| Cost of funding earning assets | 1.2030% | 4,548 |
| Net interest margin | 4.0571% | 2,770 |
| Noninterest income to average assets | 0.4663% | 4,404 |
| Noninterest expense to average assets | 2.6263% | 5,308 |
| Loan and lease loss provision to assets | 0.0509% | 6,649 |
| Net operating income to assets | 1.2337% | 1,333 |
| Return on assets (ROA) | 1.3818% | 1,053 |
| Pretax return on assets | 1.4428% | 1,530 |
| Return on Equity (ROE) | 8.7964% | 2,377 |
| Retained earnings to average equity (ytd only) | 5.0188% | 2,397 |
| Net charge-offs to loans | 0.6329% | 3,125 |
| Credit loss provision to net charge-offs | 14.6341% | 6,591 |
| Earnings coverage of net charge-offs (x) | 3.8537% | 3,162 |
| Efficiency ratio | 66.2249% | 4,930 |
| Assets per employee ($millions) | 4.0094% | 3,765 |
| Cash dividends to net income (ytd only)* | 42.9448% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 6,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 6,116 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 56.1065% | 5,329 |
| Net loans and leases to deposits | 68.0989% | 5,090 |
| Net loans and leases to core deposits | 70.6364% | 5,384 |
| Total domestic deposits to total assets | 82.3897% | 5,064 |
| Equity capital to assets | 15.8095% | 619 |
| Core capital (leverage) ratio | 10.1369% | 2,940 |
| Tier 1 risk-based capital ratio | 13.7690% | 4,006 |
| Total risk-based capital ratio | 14.4297% | 4,418 |
| Memoranda: | ||
| Average total assets | $58,980,800 | 6,241 |
| Average earning assets | $50,874,200 | 6,333 |
| Average equity | $9,265,200 | 5,339 |
| Average total loans | $32,389,400 | 6,293 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 3,254 |
| Cost of funding earning assets | 1.2226% | 4,726 |
| Net interest margin | 4.0976% | 2,636 |
| Noninterest income to average assets | 0.6520% | 3,113 |
| Noninterest expense to average assets | 2.3717% | 6,110 |
| Loan and lease loss provision to assets | 0.0523% | 6,558 |
| Net operating income to assets | 1.6592% | 669 |
| Return on assets (ROA) | 1.6743% | 706 |
| Pretax return on assets | 1.7538% | 1,008 |
| Return on Equity (ROE) | 10.6756% | 1,880 |
| Retained earnings to average equity (ytd only) | 5.6058% | 2,587 |
| Net charge-offs to loans | 0.8504% | 2,319 |
| Credit loss provision to net charge-offs | 11.2745% | 6,328 |
| Earnings coverage of net charge-offs (x) | 3.8628% | 3,272 |
| Efficiency ratio | 56.9869% | 6,414 |
| Assets per employee ($millions) | 3.9335% | 3,970 |
| Cash dividends to net income (ytd only)* | 47.4904% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 6,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 5,687 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.6354% | 5,753 |
| Net loans and leases to deposits | 68.9584% | 5,281 |
| Net loans and leases to core deposits | 71.6881% | 5,552 |
| Total domestic deposits to total assets | 79.2295% | 5,959 |
| Equity capital to assets | 16.5113% | 587 |
| Core capital (leverage) ratio | 10.2490% | 2,990 |
| Tier 1 risk-based capital ratio | 14.0186% | 3,819 |
| Total risk-based capital ratio | 14.6858% | 4,198 |
| Memoranda: | ||
| Average total assets | $58,690,750 | 6,316 |
| Average earning assets | $50,272,500 | 6,429 |
| Average equity | $9,204,500 | 5,426 |
| Average total loans | $31,982,500 | 6,394 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 3,099 |
| Cost of funding earning assets | 1.2386% | 4,902 |
| Net interest margin | 4.1325% | 2,413 |
| Noninterest income to average assets | 0.6725% | 2,870 |
| Noninterest expense to average assets | 2.4135% | 6,031 |
| Loan and lease loss provision to assets | 0.0512% | 6,459 |
| Net operating income to assets | 1.6473% | 652 |
| Return on assets (ROA) | 1.5532% | 864 |
| Pretax return on assets | 1.6283% | 1,216 |
| Return on Equity (ROE) | 10.0827% | 2,082 |
| Retained earnings to average equity (ytd only) | 2.3268% | 4,675 |
| Net charge-offs to loans | 1.3015% | 1,465 |
| Credit loss provision to net charge-offs | 7.2464% | 5,971 |
| Earnings coverage of net charge-offs (x) | 2.5169% | 3,744 |
| Efficiency ratio | 57.5733% | 6,442 |
| Assets per employee ($millions) | 4.0012% | 3,769 |
| Cash dividends to net income (ytd only)* | 76.9231% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7976% | 7,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 5,739 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 53.2607% | 6,087 |
| Net loans and leases to deposits | 65.6885% | 5,846 |
| Net loans and leases to core deposits | 68.1549% | 6,041 |
| Total domestic deposits to total assets | 81.0807% | 5,375 |
| Equity capital to assets | 15.4404% | 785 |
| Core capital (leverage) ratio | 9.6276% | 3,645 |
| Tier 1 risk-based capital ratio | 13.3775% | 4,150 |
| Total risk-based capital ratio | 14.0203% | 4,596 |
| Memoranda: | ||
| Average total assets | $58,587,000 | 6,364 |
| Average earning assets | $49,897,000 | 6,477 |
| Average equity | $9,025,330 | 5,493 |
| Average total loans | $31,808,670 | 6,446 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3525% | 3,285 |
| Cost of funding earning assets | 1.2908% | 4,867 |
| Net interest margin | 4.0616% | 2,604 |
| Noninterest income to average assets | 0.5253% | 3,853 |
| Noninterest expense to average assets | 2.4883% | 5,771 |
| Loan and lease loss provision to assets | 0.0553% | 6,105 |
| Net operating income to assets | 1.3285% | 1,228 |
| Return on assets (ROA) | 1.6174% | 769 |
| Pretax return on assets | 1.7003% | 1,058 |
| Return on Equity (ROE) | 10.5115% | 1,941 |
| Retained earnings to average equity (ytd only) | 10.5115% | 1,035 |
| Net charge-offs to loans | -0.1899% | 7,663 |
| Credit loss provision to net charge-offs | -53.3333% | 6,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 5,631 |
| Assets per employee ($millions) | 3.8666% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 3,748 |
| Loan loss allowance to noncurrent loans | 73.1783% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.1121% | 4,929 |
| Noncurrent loans to loans | 2.0912% | 3,668 |
| Net loans and leases to total assets | 52.3664% | 6,235 |
| Net loans and leases to deposits | 63.7037% | 6,082 |
| Net loans and leases to core deposits | 66.1469% | 6,273 |
| Total domestic deposits to total assets | 82.2031% | 4,976 |
| Equity capital to assets | 15.6399% | 733 |
| Core capital (leverage) ratio | 9.3524% | 3,969 |
| Tier 1 risk-based capital ratio | 14.0523% | 3,625 |
| Total risk-based capital ratio | 15.2631% | 3,610 |
| Memoranda: | ||
| Average total assets | $57,871,500 | 6,474 |
| Average earning assets | $48,650,500 | 6,603 |
| Average equity | $8,904,500 | 5,568 |
| Average total loans | $31,601,500 | 6,539 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0341% | 1,730 |
| Cost of funding earning assets | 1.4164% | 5,857 |
| Net interest margin | 4.6176% | 949 |
| Noninterest income to average assets | 0.6194% | 3,490 |
| Noninterest expense to average assets | 2.4864% | 6,183 |
| Loan and lease loss provision to assets | 0.8100% | 2,700 |
| Net operating income to assets | 1.2796% | 1,073 |
| Return on assets (ROA) | 1.4841% | 759 |
| Pretax return on assets | 1.5653% | 1,038 |
| Return on Equity (ROE) | 9.6700% | 1,787 |
| Retained earnings to average equity (ytd only) | -1.8282% | 5,473 |
| Net charge-offs to loans | 1.3262% | 1,884 |
| Credit loss provision to net charge-offs | 106.9930% | 5,184 |
| Earnings coverage of net charge-offs (x) | 2.8531% | 3,660 |
| Efficiency ratio | 53.5131% | 7,275 |
| Assets per employee ($millions) | 3.8496% | 4,145 |
| Cash dividends to net income (ytd only)* | 118.9061% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 4,296 |
| Loan loss allowance to noncurrent loans | 69.6124% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.1170% | 4,856 |
| Noncurrent loans to loans | 1.9933% | 3,657 |
| Net loans and leases to total assets | 55.2612% | 6,052 |
| Net loans and leases to deposits | 66.8524% | 5,960 |
| Net loans and leases to core deposits | 77.2883% | 6,316 |
| Total domestic deposits to total assets | 82.6614% | 4,674 |
| Equity capital to assets | 15.1323% | 881 |
| Core capital (leverage) ratio | 9.9582% | 3,133 |
| Tier 1 risk-based capital ratio | 12.3746% | 4,618 |
| Total risk-based capital ratio | 13.4342% | 4,747 |
| Memoranda: | ||
| Average total assets | $56,667,200 | 6,467 |
| Average earning assets | $49,419,400 | 6,548 |
| Average equity | $8,697,000 | 5,702 |
| Average total loans | $32,349,200 | 6,502 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0754% | 1,742 |
| Cost of funding earning assets | 1.4190% | 6,151 |
| Net interest margin | 4.6564% | 899 |
| Noninterest income to average assets | 0.5745% | 3,897 |
| Noninterest expense to average assets | 2.4728% | 6,166 |
| Loan and lease loss provision to assets | 0.4444% | 3,683 |
| Net operating income to assets | 1.7083% | 552 |
| Return on assets (ROA) | 1.5107% | 851 |
| Pretax return on assets | 1.5839% | 1,205 |
| Return on Equity (ROE) | 9.8078% | 1,995 |
| Retained earnings to average equity (ytd only) | -5.5409% | 6,324 |
| Net charge-offs to loans | 0.9769% | 2,017 |
| Credit loss provision to net charge-offs | 79.3249% | 5,783 |
| Earnings coverage of net charge-offs (x) | 3.9916% | 3,307 |
| Efficiency ratio | 52.5100% | 7,375 |
| Assets per employee ($millions) | 3.6338% | 4,598 |
| Cash dividends to net income (ytd only)* | 156.4943% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,242 |
| Loan loss allowance to noncurrent loans | 57.2093% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.1833% | 4,710 |
| Noncurrent loans to loans | 2.0588% | 3,552 |
| Net loans and leases to total assets | 56.8000% | 6,056 |
| Net loans and leases to deposits | 68.8352% | 6,049 |
| Net loans and leases to core deposits | 81.2534% | 6,253 |
| Total domestic deposits to total assets | 82.5160% | 4,443 |
| Equity capital to assets | 15.1760% | 956 |
| Core capital (leverage) ratio | 9.5334% | 3,865 |
| Tier 1 risk-based capital ratio | 11.9312% | 5,032 |
| Total risk-based capital ratio | 12.8044% | 5,324 |
| Memoranda: | ||
| Average total assets | $56,398,000 | 6,528 |
| Average earning assets | $50,080,750 | 6,574 |
| Average equity | $8,686,750 | 5,754 |
| Average total loans | $32,346,750 | 6,548 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0272% | 2,068 |
| Cost of funding earning assets | 1.4052% | 6,461 |
| Net interest margin | 4.6220% | 913 |
| Noninterest income to average assets | 0.4840% | 4,594 |
| Noninterest expense to average assets | 2.5145% | 6,074 |
| Loan and lease loss provision to assets | 0.6032% | 2,641 |
| Net operating income to assets | 1.4049% | 1,022 |
| Return on assets (ROA) | 1.9780% | 344 |
| Pretax return on assets | 2.0762% | 462 |
| Return on Equity (ROE) | 12.7819% | 1,223 |
| Retained earnings to average equity (ytd only) | -9.8810% | 6,864 |
| Net charge-offs to loans | 1.4502% | 1,303 |
| Credit loss provision to net charge-offs | 72.5738% | 5,375 |
| Earnings coverage of net charge-offs (x) | 2.4979% | 3,817 |
| Efficiency ratio | 54.7746% | 7,249 |
| Assets per employee ($millions) | 4.0836% | 3,531 |
| Cash dividends to net income (ytd only)* | 177.3050% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 5,572 |
| Loan loss allowance to noncurrent loans | 54.8837% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 4,695 |
| Noncurrent loans to loans | 2.0117% | 3,500 |
| Net loans and leases to total assets | 55.4627% | 6,279 |
| Net loans and leases to deposits | 68.4942% | 6,138 |
| Net loans and leases to core deposits | 79.4368% | 6,450 |
| Total domestic deposits to total assets | 80.9743% | 5,092 |
| Equity capital to assets | 14.9921% | 1,025 |
| Core capital (leverage) ratio | 9.0561% | 4,544 |
| Tier 1 risk-based capital ratio | 10.9316% | 5,955 |
| Total risk-based capital ratio | 11.7107% | 6,360 |
| Memoranda: | ||
| Average total assets | $57,028,330 | 6,554 |
| Average earning assets | $50,670,670 | 6,605 |
| Average equity | $8,825,000 | 5,742 |
| Average total loans | $32,686,000 | 6,574 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0827% | 2,007 |
| Cost of funding earning assets | 1.5068% | 6,382 |
| Net interest margin | 4.5759% | 977 |
| Noninterest income to average assets | 0.4705% | 4,589 |
| Noninterest expense to average assets | 2.4580% | 5,998 |
| Loan and lease loss provision to assets | 0.9130% | 1,429 |
| Net operating income to assets | 1.0910% | 1,994 |
| Return on assets (ROA) | 1.6714% | 754 |
| Pretax return on assets | 1.7627% | 1,052 |
| Return on Equity (ROE) | 10.6345% | 2,090 |
| Retained earnings to average equity (ytd only) | -34.0483% | 7,901 |
| Net charge-offs to loans | 2.8729% | 451 |
| Credit loss provision to net charge-offs | 54.8523% | 4,604 |
| Earnings coverage of net charge-offs (x) | 1.2405% | 4,128 |
| Efficiency ratio | 54.3478% | 7,184 |
| Assets per employee ($millions) | 4.0944% | 3,469 |
| Cash dividends to net income (ytd only)* | 420.1681% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.9440% | 6,361 |
| Net loans and leases to deposits | 68.1400% | 6,176 |
| Net loans and leases to core deposits | 78.5177% | 6,499 |
| Total domestic deposits to total assets | 80.6340% | 5,119 |
| Equity capital to assets | 14.8686% | 1,138 |
| Core capital (leverage) ratio | 8.5745% | 5,383 |
| Tier 1 risk-based capital ratio | 9.7670% | 7,181 |
| Total risk-based capital ratio | 10.4237% | 7,683 |
| Memoranda: | ||
| Average total assets | $56,957,500 | 6,584 |
| Average earning assets | $50,438,500 | 6,639 |
| Average equity | $8,952,000 | 5,716 |
| Average total loans | $32,998,000 | 6,591 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3853% | 3,493 |
| Cost of funding earning assets | 1.9933% | 6,433 |
| Net interest margin | 4.3920% | 1,708 |
| Noninterest income to average assets | 0.9498% | 1,770 |
| Noninterest expense to average assets | 2.6694% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.0170% | 338 |
| Return on assets (ROA) | 2.1880% | 238 |
| Pretax return on assets | 2.2799% | 331 |
| Return on Equity (ROE) | 13.5628% | 1,198 |
| Retained earnings to average equity (ytd only) | 13.5628% | 142 |
| Net charge-offs to loans | 0.0395% | 6,236 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 478 |
| Efficiency ratio | 55.9492% | 7,021 |
| Assets per employee ($millions) | 4.0424% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 4,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 59.6717% | 5,962 |
| Net loans and leases to deposits | 77.0354% | 5,469 |
| Net loans and leases to core deposits | 88.2322% | 5,952 |
| Total domestic deposits to total assets | 77.4601% | 5,886 |
| Equity capital to assets | 16.5763% | 829 |
| Core capital (leverage) ratio | 10.3828% | 3,090 |
| Tier 1 risk-based capital ratio | 11.7843% | 4,993 |
| Total risk-based capital ratio | 12.7004% | 5,188 |
| Memoranda: | ||
| Average total assets | $54,432,200 | 6,604 |
| Average earning assets | $47,358,800 | 6,700 |
| Average equity | $8,781,400 | 5,816 |
| Average total loans | $32,926,600 | 6,554 |