Home > First Security Bank - Canby > Performance and Condition Ratios
First Security Bank - Canby, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 3,889 |
| Cost of funding earning assets | 0.3828% | 4,306 |
| Net interest margin | 3.6615% | 1,834 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.1093% | 3,385 |
| Loan and lease loss provision to assets | -0.3500% | 4,577 |
| Net operating income to assets | 1.8886% | 534 |
| Return on assets (ROA) | 1.6277% | 796 |
| Pretax return on assets | 1.7590% | 946 |
| Return on Equity (ROE) | 13.6700% | 1,564 |
| Retained earnings to average equity (ytd only) | -1.4964% | 4,230 |
| Net charge-offs to loans | -0.6157% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.5661% | 3,542 |
| Assets per employee ($millions) | 8.2987% | 1,279 |
| Cash dividends to net income (ytd only)* | 110.9467% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 1,972 |
| Loan loss allowance to noncurrent loans | 16,000.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 3,805 |
| Noncurrent loans to loans | 0.0079% | 3,717 |
| Net loans and leases to total assets | 45.4000% | 3,844 |
| Net loans and leases to deposits | 52.1729% | 3,873 |
| Net loans and leases to core deposits | 52.3636% | 4,024 |
| Total domestic deposits to total assets | 87.0100% | 1,677 |
| Equity capital to assets | 12.5947% | 968 |
| Core capital (leverage) ratio | 13.2192% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6247% | 637 |
| Memoranda: | ||
| Average total assets | $83,060,400 | 3,992 |
| Average earning assets | $78,110,600 | 3,947 |
| Average equity | $9,890,400 | 3,736 |
| Average total loans | $37,519,000 | 4,034 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 3,944 |
| Cost of funding earning assets | 0.3256% | 4,338 |
| Net interest margin | 3.6092% | 1,985 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.9772% | 3,650 |
| Loan and lease loss provision to assets | -0.4700% | 4,611 |
| Net operating income to assets | 2.0709% | 455 |
| Return on assets (ROA) | 1.7268% | 745 |
| Pretax return on assets | 1.8713% | 899 |
| Return on Equity (ROE) | 14.7100% | 1,504 |
| Retained earnings to average equity (ytd only) | -5.7981% | 4,436 |
| Net charge-offs to loans | -0.8279% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.6946% | 3,702 |
| Assets per employee ($millions) | 8.0463% | 1,328 |
| Cash dividends to net income (ytd only)* | 139.4052% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 1,940 |
| Loan loss allowance to noncurrent loans | 2,008.3333% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 3,507 |
| Noncurrent loans to loans | 0.0639% | 3,297 |
| Net loans and leases to total assets | 46.0700% | 3,827 |
| Net loans and leases to deposits | 52.0805% | 3,871 |
| Net loans and leases to core deposits | 52.2678% | 3,979 |
| Total domestic deposits to total assets | 88.4700% | 1,420 |
| Equity capital to assets | 11.2337% | 1,261 |
| Core capital (leverage) ratio | 12.9582% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6218% | 741 |
| Memoranda: | ||
| Average total assets | $83,078,750 | 4,005 |
| Average earning assets | $78,205,000 | 3,966 |
| Average equity | $9,750,000 | 3,748 |
| Average total loans | $37,360,500 | 4,046 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9528% | 3,783 |
| Cost of funding earning assets | 0.2906% | 4,328 |
| Net interest margin | 3.6621% | 1,893 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.9750% | 3,647 |
| Loan and lease loss provision to assets | -0.7000% | 4,641 |
| Net operating income to assets | 2.3284% | 297 |
| Return on assets (ROA) | 1.8177% | 635 |
| Pretax return on assets | 1.9702% | 781 |
| Return on Equity (ROE) | 15.2800% | 1,415 |
| Retained earnings to average equity (ytd only) | -14.7592% | 4,558 |
| Net charge-offs to loans | -1.3406% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.9424% | 3,776 |
| Assets per employee ($millions) | 7.2681% | 1,733 |
| Cash dividends to net income (ytd only)* | 196.5924% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 1,642 |
| Loan loss allowance to noncurrent loans | 210.0840% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 1,727 |
| Noncurrent loans to loans | 0.6516% | 1,147 |
| Net loans and leases to total assets | 45.0600% | 3,839 |
| Net loans and leases to deposits | 51.1653% | 3,871 |
| Net loans and leases to core deposits | 51.3513% | 3,972 |
| Total domestic deposits to total assets | 88.0700% | 1,576 |
| Equity capital to assets | 11.7150% | 1,128 |
| Core capital (leverage) ratio | 12.0877% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $83,950,667 | 4,014 |
| Average earning assets | $79,134,333 | 3,977 |
| Average equity | $9,987,000 | 3,746 |
| Average total loans | $37,295,667 | 4,058 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,554 |
| Cost of funding earning assets | 0.2369% | 4,317 |
| Net interest margin | 3.7120% | 1,876 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.9081% | 3,839 |
| Loan and lease loss provision to assets | -1.3600% | 4,671 |
| Net operating income to assets | 3.0220% | 151 |
| Return on assets (ROA) | 2.0244% | 464 |
| Pretax return on assets | 2.2105% | 559 |
| Return on Equity (ROE) | 16.9000% | 1,191 |
| Retained earnings to average equity (ytd only) | 16.8973% | 604 |
| Net charge-offs to loans | -2.6539% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.6970% | 3,963 |
| Assets per employee ($millions) | 7.7708% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 1,726 |
| Loan loss allowance to noncurrent loans | 543.4783% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 2,772 |
| Noncurrent loans to loans | 0.2526% | 2,242 |
| Net loans and leases to total assets | 42.0300% | 3,949 |
| Net loans and leases to deposits | 48.2229% | 3,952 |
| Net loans and leases to core deposits | 48.3885% | 4,037 |
| Total domestic deposits to total assets | 87.1600% | 2,210 |
| Equity capital to assets | 12.6815% | 832 |
| Core capital (leverage) ratio | 12.9571% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8187% | 513 |
| Memoranda: | ||
| Average total assets | $85,951,500 | 4,040 |
| Average earning assets | $81,034,500 | 4,008 |
| Average equity | $10,297,500 | 3,746 |
| Average total loans | $37,680,500 | 4,109 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 3,445 |
| Cost of funding earning assets | 0.0783% | 4,479 |
| Net interest margin | 3.2827% | 2,616 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.9449% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4099% | 1,108 |
| Return on assets (ROA) | 1.3399% | 1,269 |
| Pretax return on assets | 1.4031% | 1,763 |
| Return on Equity (ROE) | 11.5800% | 2,274 |
| Retained earnings to average equity (ytd only) | 11.5832% | 763 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.8399% | 3,486 |
| Assets per employee ($millions) | 7.8567% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 1,524 |
| Loan loss allowance to noncurrent loans | 405.2239% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 2,450 |
| Noncurrent loans to loans | 0.3442% | 1,911 |
| Net loans and leases to total assets | 44.4200% | 3,869 |
| Net loans and leases to deposits | 50.7824% | 3,864 |
| Net loans and leases to core deposits | 50.9543% | 3,944 |
| Total domestic deposits to total assets | 87.4700% | 2,242 |
| Equity capital to assets | 11.2874% | 1,150 |
| Core capital (leverage) ratio | 12.4409% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0988% | 622 |
| Memoranda: | ||
| Average total assets | $85,453,600 | 4,068 |
| Average earning assets | $80,451,000 | 4,029 |
| Average equity | $9,885,000 | 3,883 |
| Average total loans | $38,444,400 | 4,094 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2384% | 3,336 |
| Cost of funding earning assets | 0.0515% | 4,574 |
| Net interest margin | 3.1869% | 2,667 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.8182% | 3,947 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4289% | 1,012 |
| Return on assets (ROA) | 1.3363% | 1,226 |
| Pretax return on assets | 1.4208% | 1,657 |
| Return on Equity (ROE) | 11.4800% | 2,208 |
| Retained earnings to average equity (ytd only) | 11.4811% | 923 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.4773% | 3,777 |
| Assets per employee ($millions) | 7.8554% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,555 |
| Loan loss allowance to noncurrent loans | 319.4118% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 2,289 |
| Noncurrent loans to loans | 0.4436% | 1,698 |
| Net loans and leases to total assets | 43.7300% | 3,893 |
| Net loans and leases to deposits | 49.6635% | 3,878 |
| Net loans and leases to core deposits | 49.8279% | 3,959 |
| Total domestic deposits to total assets | 88.0500% | 2,418 |
| Equity capital to assets | 10.2559% | 1,488 |
| Core capital (leverage) ratio | 11.8985% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5392% | 598 |
| Memoranda: | ||
| Average total assets | $85,211,000 | 4,101 |
| Average earning assets | $80,326,000 | 4,060 |
| Average equity | $9,917,500 | 3,927 |
| Average total loans | $38,322,250 | 4,120 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9594% | 3,654 |
| Cost of funding earning assets | 0.0476% | 4,608 |
| Net interest margin | 2.9118% | 3,132 |
| Noninterest income to average assets | 0.3254% | 3,218 |
| Noninterest expense to average assets | 1.8394% | 3,860 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1390% | 1,635 |
| Return on assets (ROA) | 1.1390% | 1,615 |
| Pretax return on assets | 1.2286% | 1,967 |
| Return on Equity (ROE) | 9.4066% | 2,561 |
| Retained earnings to average equity (ytd only) | 9.4066% | 1,173 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9539% | 3,303 |
| Assets per employee ($millions) | 7.9935% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,671 |
| Loan loss allowance to noncurrent loans | 82.9008% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 708 |
| Noncurrent loans to loans | 1.7126% | 405 |
| Net loans and leases to total assets | 42.8805% | 3,911 |
| Net loans and leases to deposits | 48.1336% | 3,915 |
| Net loans and leases to core deposits | 48.1336% | 4,021 |
| Total domestic deposits to total assets | 89.0865% | 2,143 |
| Equity capital to assets | 10.8543% | 1,283 |
| Core capital (leverage) ratio | 11.8067% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5783% | 651 |
| Memoranda: | ||
| Average total assets | $84,811,667 | 4,143 |
| Average earning assets | $79,881,333 | 4,123 |
| Average equity | $10,269,333 | 3,952 |
| Average total loans | $38,320,667 | 4,170 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9740% | 3,332 |
| Cost of funding earning assets | 0.0509% | 4,596 |
| Net interest margin | 2.9230% | 2,757 |
| Noninterest income to average assets | 0.3027% | 3,298 |
| Noninterest expense to average assets | 1.8306% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1291% | 1,438 |
| Return on assets (ROA) | 1.1291% | 1,437 |
| Pretax return on assets | 1.2300% | 1,702 |
| Return on Equity (ROE) | 8.8412% | 2,373 |
| Retained earnings to average equity (ytd only) | 8.8412% | 1,315 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8116% | 3,501 |
| Assets per employee ($millions) | 7.7949% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 1,717 |
| Loan loss allowance to noncurrent loans | 84.1860% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7522% | 745 |
| Noncurrent loans to loans | 1.7211% | 453 |
| Net loans and leases to total assets | 43.0747% | 3,814 |
| Net loans and leases to deposits | 48.8765% | 3,825 |
| Net loans and leases to core deposits | 48.8765% | 3,937 |
| Total domestic deposits to total assets | 88.1298% | 2,467 |
| Equity capital to assets | 11.7513% | 1,040 |
| Core capital (leverage) ratio | 11.5418% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7320% | 671 |
| Memoranda: | ||
| Average total assets | $83,253,500 | 4,179 |
| Average earning assets | $78,548,500 | 4,155 |
| Average equity | $10,632,000 | 3,988 |
| Average total loans | $38,357,500 | 4,182 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 1,199 |
| Cost of funding earning assets | 0.0530% | 4,675 |
| Net interest margin | 4.0252% | 670 |
| Noninterest income to average assets | 0.3068% | 3,569 |
| Noninterest expense to average assets | 2.1386% | 3,277 |
| Loan and lease loss provision to assets | 0.0038% | 2,998 |
| Net operating income to assets | 1.7506% | 571 |
| Return on assets (ROA) | 1.7449% | 598 |
| Pretax return on assets | 1.9455% | 672 |
| Return on Equity (ROE) | 12.4637% | 1,666 |
| Retained earnings to average equity (ytd only) | 1.9631% | 3,986 |
| Net charge-offs to loans | -0.0025% | 3,402 |
| Credit loss provision to net charge-offs | -300.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2323% | 4,093 |
| Assets per employee ($millions) | 7.3421% | 1,696 |
| Cash dividends to net income (ytd only)* | 84.2491% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 1,980 |
| Loan loss allowance to noncurrent loans | 101.4953% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 979 |
| Noncurrent loans to loans | 1.3635% | 685 |
| Net loans and leases to total assets | 47.9118% | 3,505 |
| Net loans and leases to deposits | 55.6755% | 3,450 |
| Net loans and leases to core deposits | 55.6755% | 3,646 |
| Total domestic deposits to total assets | 86.0555% | 2,880 |
| Equity capital to assets | 13.8529% | 695 |
| Core capital (leverage) ratio | 12.0102% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2620% | 725 |
| Memoranda: | ||
| Average total assets | $78,230,000 | 4,243 |
| Average earning assets | $73,611,000 | 4,210 |
| Average equity | $10,951,800 | 4,043 |
| Average total loans | $40,763,000 | 4,170 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 1,320 |
| Cost of funding earning assets | 0.0530% | 4,765 |
| Net interest margin | 4.0395% | 732 |
| Noninterest income to average assets | 0.3093% | 3,578 |
| Noninterest expense to average assets | 1.9588% | 3,790 |
| Loan and lease loss provision to assets | 0.0052% | 2,873 |
| Net operating income to assets | 2.1444% | 360 |
| Return on assets (ROA) | 2.1358% | 389 |
| Pretax return on assets | 2.1358% | 628 |
| Return on Equity (ROE) | 15.2146% | 1,106 |
| Retained earnings to average equity (ytd only) | 1.1383% | 4,385 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6788% | 4,391 |
| Assets per employee ($millions) | 6.4768% | 2,272 |
| Cash dividends to net income (ytd only)* | 92.5181% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 2,115 |
| Loan loss allowance to noncurrent loans | 82.7481% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 829 |
| Noncurrent loans to loans | 1.6656% | 609 |
| Net loans and leases to total assets | 49.8984% | 3,425 |
| Net loans and leases to deposits | 58.4277% | 3,369 |
| Net loans and leases to core deposits | 58.4277% | 3,591 |
| Total domestic deposits to total assets | 85.4018% | 2,981 |
| Equity capital to assets | 14.3035% | 671 |
| Core capital (leverage) ratio | 12.0052% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0296% | 809 |
| Memoranda: | ||
| Average total assets | $77,596,750 | 4,303 |
| Average earning assets | $72,977,500 | 4,275 |
| Average equity | $10,892,750 | 4,104 |
| Average total loans | $41,144,250 | 4,214 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 1,461 |
| Cost of funding earning assets | 0.0549% | 4,804 |
| Net interest margin | 3.9917% | 838 |
| Noninterest income to average assets | 0.3069% | 3,597 |
| Noninterest expense to average assets | 1.9470% | 3,845 |
| Loan and lease loss provision to assets | 0.0077% | 2,759 |
| Net operating income to assets | 2.1043% | 402 |
| Return on assets (ROA) | 2.0914% | 432 |
| Pretax return on assets | 2.0914% | 694 |
| Return on Equity (ROE) | 14.9935% | 1,160 |
| Retained earnings to average equity (ytd only) | -3.4942% | 4,738 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9670% | 4,391 |
| Assets per employee ($millions) | 6.6297% | 2,071 |
| Cash dividends to net income (ytd only)* | 123.3046% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 2,367 |
| Loan loss allowance to noncurrent loans | 74.6556% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9126% | 847 |
| Noncurrent loans to loans | 1.7612% | 592 |
| Net loans and leases to total assets | 51.1350% | 3,435 |
| Net loans and leases to deposits | 59.6574% | 3,420 |
| Net loans and leases to core deposits | 59.6574% | 3,643 |
| Total domestic deposits to total assets | 85.7145% | 2,833 |
| Equity capital to assets | 13.7086% | 777 |
| Core capital (leverage) ratio | 11.5886% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4068% | 655 |
| Memoranda: | ||
| Average total assets | $77,555,000 | 4,330 |
| Average earning assets | $72,901,667 | 4,303 |
| Average equity | $10,818,000 | 4,122 |
| Average total loans | $41,751,000 | 4,240 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 2,784 |
| Cost of funding earning assets | 0.0555% | 4,843 |
| Net interest margin | 3.4958% | 1,835 |
| Noninterest income to average assets | 0.3187% | 3,499 |
| Noninterest expense to average assets | 2.0691% | 3,513 |
| Loan and lease loss provision to assets | 0.0157% | 2,570 |
| Net operating income to assets | 1.5257% | 1,272 |
| Return on assets (ROA) | 1.5257% | 1,335 |
| Pretax return on assets | 1.5257% | 1,930 |
| Return on Equity (ROE) | 10.8409% | 2,409 |
| Retained earnings to average equity (ytd only) | -26.2855% | 4,938 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3082% | 3,391 |
| Assets per employee ($millions) | 7.1752% | 1,665 |
| Cash dividends to net income (ytd only)* | 342.4658% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,549 |
| Loan loss allowance to noncurrent loans | 239.8230% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 2,718 |
| Noncurrent loans to loans | 0.5320% | 2,258 |
| Net loans and leases to total assets | 53.1339% | 3,331 |
| Net loans and leases to deposits | 61.5472% | 3,365 |
| Net loans and leases to core deposits | 61.5472% | 3,607 |
| Total domestic deposits to total assets | 86.3304% | 2,615 |
| Equity capital to assets | 13.1362% | 876 |
| Core capital (leverage) ratio | 11.2555% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9754% | 794 |
| Memoranda: | ||
| Average total assets | $76,554,500 | 4,359 |
| Average earning assets | $72,086,000 | 4,328 |
| Average equity | $10,774,000 | 4,136 |
| Average total loans | $42,015,000 | 4,258 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 2,569 |
| Cost of funding earning assets | 0.1739% | 4,668 |
| Net interest margin | 3.8804% | 1,271 |
| Noninterest income to average assets | 0.2626% | 3,905 |
| Noninterest expense to average assets | 2.1507% | 3,818 |
| Loan and lease loss provision to assets | 0.0383% | 3,934 |
| Net operating income to assets | 1.6851% | 522 |
| Return on assets (ROA) | 1.6851% | 560 |
| Pretax return on assets | 1.6851% | 878 |
| Return on Equity (ROE) | 11.1411% | 1,581 |
| Retained earnings to average equity (ytd only) | 6.9175% | 1,422 |
| Net charge-offs to loans | 0.0046% | 3,193 |
| Credit loss provision to net charge-offs | 1,350.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 607.0000% | 196 |
| Efficiency ratio | 55.5148% | 4,045 |
| Assets per employee ($millions) | 6.1818% | 2,182 |
| Cash dividends to net income (ytd only)* | 37.9107% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,427 |
| Loan loss allowance to noncurrent loans | 68.8378% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 889 |
| Noncurrent loans to loans | 1.8844% | 637 |
| Net loans and leases to total assets | 55.2856% | 3,365 |
| Net loans and leases to deposits | 65.2029% | 3,344 |
| Net loans and leases to core deposits | 65.2029% | 3,615 |
| Total domestic deposits to total assets | 84.7901% | 2,846 |
| Equity capital to assets | 15.0710% | 564 |
| Core capital (leverage) ratio | 12.8177% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3903% | 635 |
| Memoranda: | ||
| Average total assets | $70,440,600 | 4,381 |
| Average earning assets | $65,559,800 | 4,363 |
| Average equity | $10,654,200 | 4,131 |
| Average total loans | $43,728,400 | 4,234 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 2,222 |
| Cost of funding earning assets | 0.2043% | 4,659 |
| Net interest margin | 4.0564% | 986 |
| Noninterest income to average assets | 0.2628% | 3,895 |
| Noninterest expense to average assets | 2.0449% | 4,061 |
| Loan and lease loss provision to assets | 0.0345% | 3,907 |
| Net operating income to assets | 1.9547% | 328 |
| Return on assets (ROA) | 1.9547% | 358 |
| Pretax return on assets | 1.9547% | 563 |
| Return on Equity (ROE) | 12.9114% | 1,137 |
| Retained earnings to average equity (ytd only) | 7.2096% | 1,609 |
| Net charge-offs to loans | 0.0060% | 2,924 |
| Credit loss provision to net charge-offs | 900.0000% | 899 |
| Earnings coverage of net charge-offs (x) | 518.5000% | 223 |
| Efficiency ratio | 50.6895% | 4,448 |
| Assets per employee ($millions) | 6.0298% | 2,238 |
| Cash dividends to net income (ytd only)* | 44.1609% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,626 |
| Loan loss allowance to noncurrent loans | 69.1004% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.0600% | 1,022 |
| Noncurrent loans to loans | 1.7466% | 770 |
| Net loans and leases to total assets | 59.9588% | 3,233 |
| Net loans and leases to deposits | 70.8014% | 3,234 |
| Net loans and leases to core deposits | 72.6182% | 3,421 |
| Total domestic deposits to total assets | 84.6859% | 2,559 |
| Equity capital to assets | 15.1690% | 600 |
| Core capital (leverage) ratio | 12.8787% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0380% | 672 |
| Memoranda: | ||
| Average total assets | $69,505,250 | 4,403 |
| Average earning assets | $64,620,000 | 4,393 |
| Average equity | $10,522,750 | 4,152 |
| Average total loans | $44,272,750 | 4,244 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 1,831 |
| Cost of funding earning assets | 0.2169% | 4,715 |
| Net interest margin | 4.3138% | 732 |
| Noninterest income to average assets | 0.2772% | 3,813 |
| Noninterest expense to average assets | 2.1414% | 3,946 |
| Loan and lease loss provision to assets | 0.0263% | 3,927 |
| Net operating income to assets | 2.1122% | 258 |
| Return on assets (ROA) | 2.1122% | 286 |
| Pretax return on assets | 2.1122% | 426 |
| Return on Equity (ROE) | 13.9611% | 899 |
| Retained earnings to average equity (ytd only) | 5.2836% | 2,354 |
| Net charge-offs to loans | 0.0090% | 2,626 |
| Credit loss provision to net charge-offs | 450.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 366.5000% | 282 |
| Efficiency ratio | 50.0341% | 4,505 |
| Assets per employee ($millions) | 5.9740% | 2,207 |
| Cash dividends to net income (ytd only)* | 62.1547% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,671 |
| Loan loss allowance to noncurrent loans | 69.0981% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 1,113 |
| Noncurrent loans to loans | 1.6921% | 854 |
| Net loans and leases to total assets | 61.4329% | 3,174 |
| Net loans and leases to deposits | 72.3676% | 3,221 |
| Net loans and leases to core deposits | 74.1964% | 3,446 |
| Total domestic deposits to total assets | 84.8901% | 2,438 |
| Equity capital to assets | 14.9202% | 630 |
| Core capital (leverage) ratio | 12.9908% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2301% | 878 |
| Memoranda: | ||
| Average total assets | $68,554,333 | 4,424 |
| Average earning assets | $63,609,667 | 4,414 |
| Average equity | $10,371,667 | 4,177 |
| Average total loans | $44,392,000 | 4,246 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 3,175 |
| Cost of funding earning assets | 0.2387% | 4,801 |
| Net interest margin | 3.9733% | 1,463 |
| Noninterest income to average assets | 0.3404% | 3,484 |
| Noninterest expense to average assets | 2.1974% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8212% | 392 |
| Return on assets (ROA) | 1.8212% | 436 |
| Pretax return on assets | 1.8212% | 668 |
| Return on Equity (ROE) | 11.9497% | 1,119 |
| Retained earnings to average equity (ytd only) | -5.6810% | 4,564 |
| Net charge-offs to loans | 0.0181% | 2,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 152.5000% | 427 |
| Efficiency ratio | 54.6805% | 4,334 |
| Assets per employee ($millions) | 5.1522% | 2,478 |
| Cash dividends to net income (ytd only)* | 147.5410% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 2,879 |
| Loan loss allowance to noncurrent loans | 94.8148% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 1,681 |
| Noncurrent loans to loans | 1.2237% | 1,334 |
| Net loans and leases to total assets | 65.1229% | 2,925 |
| Net loans and leases to deposits | 76.9806% | 2,983 |
| Net loans and leases to core deposits | 79.0740% | 3,283 |
| Total domestic deposits to total assets | 84.5964% | 2,570 |
| Equity capital to assets | 15.1975% | 725 |
| Core capital (leverage) ratio | 13.0484% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0852% | 974 |
| Memoranda: | ||
| Average total assets | $66,987,500 | 4,453 |
| Average earning assets | $62,014,000 | 4,454 |
| Average equity | $10,209,500 | 4,214 |
| Average total loans | $44,307,500 | 4,271 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1698% | 3,885 |
| Cost of funding earning assets | 0.2645% | 4,814 |
| Net interest margin | 3.9053% | 2,161 |
| Noninterest income to average assets | 0.3621% | 3,539 |
| Noninterest expense to average assets | 2.3450% | 3,832 |
| Loan and lease loss provision to assets | 0.0312% | 3,390 |
| Net operating income to assets | 1.6014% | 838 |
| Return on assets (ROA) | 1.6727% | 752 |
| Pretax return on assets | 1.6727% | 1,265 |
| Return on Equity (ROE) | 10.7017% | 2,004 |
| Retained earnings to average equity (ytd only) | -3.5419% | 4,932 |
| Net charge-offs to loans | 0.0069% | 3,429 |
| Credit loss provision to net charge-offs | 700.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 366.6667% | 242 |
| Efficiency ratio | 58.9552% | 3,841 |
| Assets per employee ($millions) | 5.1536% | 2,391 |
| Cash dividends to net income (ytd only)* | 133.0967% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 2,671 |
| Loan loss allowance to noncurrent loans | 88.4682% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8672% | 1,478 |
| Noncurrent loans to loans | 1.3061% | 1,155 |
| Net loans and leases to total assets | 65.6313% | 2,994 |
| Net loans and leases to deposits | 77.6667% | 3,040 |
| Net loans and leases to core deposits | 79.7805% | 3,310 |
| Total domestic deposits to total assets | 84.5038% | 2,682 |
| Equity capital to assets | 15.2843% | 730 |
| Core capital (leverage) ratio | 13.3459% | 1,100 |
| Tier 1 risk-based capital ratio | 18.2586% | 1,698 |
| Total risk-based capital ratio | 19.3612% | 1,691 |
| Memoranda: | ||
| Average total assets | $67,377,200 | 4,475 |
| Average earning assets | $62,376,800 | 4,469 |
| Average equity | $10,531,000 | 4,172 |
| Average total loans | $43,723,400 | 4,313 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 3,997 |
| Cost of funding earning assets | 0.2669% | 4,883 |
| Net interest margin | 3.9005% | 2,250 |
| Noninterest income to average assets | 0.3596% | 3,574 |
| Noninterest expense to average assets | 2.2092% | 4,162 |
| Loan and lease loss provision to assets | 0.0415% | 3,074 |
| Net operating income to assets | 1.7192% | 719 |
| Return on assets (ROA) | 1.7192% | 757 |
| Pretax return on assets | 1.7192% | 1,290 |
| Return on Equity (ROE) | 10.9392% | 2,038 |
| Retained earnings to average equity (ytd only) | -7.9215% | 5,124 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6496% | 4,203 |
| Assets per employee ($millions) | 4.9405% | 2,626 |
| Cash dividends to net income (ytd only)* | 172.4139% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,164 |
| Loan loss allowance to noncurrent loans | 457.5221% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 3,871 |
| Noncurrent loans to loans | 0.2757% | 3,549 |
| Net loans and leases to total assets | 63.0093% | 3,386 |
| Net loans and leases to deposits | 74.9232% | 3,393 |
| Net loans and leases to core deposits | 77.0633% | 3,624 |
| Total domestic deposits to total assets | 84.0986% | 2,785 |
| Equity capital to assets | 15.7115% | 698 |
| Core capital (leverage) ratio | 12.9787% | 1,354 |
| Tier 1 risk-based capital ratio | 18.9840% | 1,571 |
| Total risk-based capital ratio | 20.1729% | 1,552 |
| Memoranda: | ||
| Average total assets | $67,472,250 | 4,529 |
| Average earning assets | $62,451,250 | 4,522 |
| Average equity | $10,603,750 | 4,215 |
| Average total loans | $43,533,000 | 4,372 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 4,274 |
| Cost of funding earning assets | 0.2523% | 4,953 |
| Net interest margin | 3.8006% | 2,586 |
| Noninterest income to average assets | 0.3443% | 3,633 |
| Noninterest expense to average assets | 2.1530% | 4,319 |
| Loan and lease loss provision to assets | 0.0613% | 2,598 |
| Net operating income to assets | 1.6454% | 819 |
| Return on assets (ROA) | 1.6454% | 853 |
| Pretax return on assets | 1.6454% | 1,411 |
| Return on Equity (ROE) | 10.4690% | 2,196 |
| Retained earnings to average equity (ytd only) | 6.7566% | 1,924 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7823% | 4,274 |
| Assets per employee ($millions) | 5.0766% | 2,379 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,553 |
| Loan loss allowance to noncurrent loans | 461.6071% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 3,918 |
| Noncurrent loans to loans | 0.2588% | 3,607 |
| Net loans and leases to total assets | 64.7797% | 3,264 |
| Net loans and leases to deposits | 78.7649% | 3,084 |
| Net loans and leases to core deposits | 79.5149% | 3,461 |
| Total domestic deposits to total assets | 82.2444% | 3,444 |
| Equity capital to assets | 16.7525% | 499 |
| Core capital (leverage) ratio | 14.2908% | 881 |
| Tier 1 risk-based capital ratio | 19.7480% | 1,397 |
| Total risk-based capital ratio | 20.8520% | 1,398 |
| Memoranda: | ||
| Average total assets | $68,554,000 | 4,541 |
| Average earning assets | $63,411,670 | 4,538 |
| Average equity | $10,774,670 | 4,202 |
| Average total loans | $44,382,000 | 4,378 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 4,084 |
| Cost of funding earning assets | 0.2421% | 5,002 |
| Net interest margin | 3.8737% | 2,271 |
| Noninterest income to average assets | 0.3379% | 3,599 |
| Noninterest expense to average assets | 2.0506% | 4,555 |
| Loan and lease loss provision to assets | 0.1203% | 1,456 |
| Net operating income to assets | 1.7413% | 671 |
| Return on assets (ROA) | 1.7413% | 695 |
| Pretax return on assets | 1.7413% | 1,111 |
| Return on Equity (ROE) | 11.4350% | 1,765 |
| Retained earnings to average equity (ytd only) | 3.9120% | 3,344 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4158% | 4,667 |
| Assets per employee ($millions) | 5.6303% | 1,859 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,622 |
| 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 | 63.4149% | 3,356 |
| Net loans and leases to deposits | 76.2421% | 3,236 |
| Net loans and leases to core deposits | 76.9431% | 3,600 |
| Total domestic deposits to total assets | 83.1757% | 3,321 |
| Equity capital to assets | 15.8696% | 593 |
| Core capital (leverage) ratio | 13.3940% | 1,122 |
| Tier 1 risk-based capital ratio | 19.4118% | 1,458 |
| Total risk-based capital ratio | 20.5282% | 1,455 |
| Memoranda: | ||
| Average total assets | $69,833,000 | 4,574 |
| Average earning assets | $64,434,500 | 4,574 |
| Average equity | $10,634,000 | 4,248 |
| Average total loans | $44,938,500 | 4,412 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3187% | 3,047 |
| Cost of funding earning assets | 0.1881% | 5,050 |
| Net interest margin | 4.1306% | 1,587 |
| Noninterest income to average assets | 0.3585% | 3,695 |
| Noninterest expense to average assets | 2.1774% | 4,393 |
| Loan and lease loss provision to assets | 0.1229% | 1,797 |
| Net operating income to assets | 1.8496% | 503 |
| Return on assets (ROA) | 1.8496% | 499 |
| Pretax return on assets | 1.8496% | 809 |
| Return on Equity (ROE) | 11.6519% | 1,842 |
| Retained earnings to average equity (ytd only) | -3.0973% | 5,181 |
| Net charge-offs to loans | 0.0364% | 2,673 |
| Credit loss provision to net charge-offs | 494.1176% | 700 |
| Earnings coverage of net charge-offs (x) | 79.2941% | 861 |
| Efficiency ratio | 52.4683% | 4,759 |
| Assets per employee ($millions) | 6.0086% | 1,514 |
| Cash dividends to net income (ytd only)* | 126.5823% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,287 |
| 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 | 63.8240% | 3,377 |
| Net loans and leases to deposits | 75.4546% | 3,389 |
| Net loans and leases to core deposits | 76.0846% | 3,715 |
| Total domestic deposits to total assets | 84.5859% | 2,804 |
| Equity capital to assets | 14.6263% | 802 |
| Core capital (leverage) ratio | 13.4024% | 1,107 |
| Tier 1 risk-based capital ratio | 18.8421% | 1,542 |
| Total risk-based capital ratio | 19.8940% | 1,542 |
| Memoranda: | ||
| Average total assets | $68,338,600 | 4,609 |
| Average earning assets | $62,727,400 | 4,614 |
| Average equity | $10,848,000 | 4,180 |
| Average total loans | $46,699,800 | 4,381 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 2,642 |
| Cost of funding earning assets | 0.1788% | 5,098 |
| Net interest margin | 4.2165% | 1,312 |
| Noninterest income to average assets | 0.3660% | 3,678 |
| Noninterest expense to average assets | 2.0732% | 4,602 |
| Loan and lease loss provision to assets | 0.1246% | 1,613 |
| Net operating income to assets | 2.0396% | 345 |
| Return on assets (ROA) | 2.0396% | 345 |
| Pretax return on assets | 2.0396% | 565 |
| Return on Equity (ROE) | 12.5842% | 1,583 |
| Retained earnings to average equity (ytd only) | 0.3784% | 4,973 |
| Net charge-offs to loans | 0.0485% | 2,133 |
| Credit loss provision to net charge-offs | 370.5882% | 862 |
| Earnings coverage of net charge-offs (x) | 64.3419% | 1,013 |
| Efficiency ratio | 48.9262% | 5,000 |
| Assets per employee ($millions) | 5.5395% | 1,875 |
| Cash dividends to net income (ytd only)* | 96.9934% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,789 |
| 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 | 70.9721% | 2,496 |
| Net loans and leases to deposits | 91.3665% | 1,710 |
| Net loans and leases to core deposits | 92.2689% | 2,450 |
| Total domestic deposits to total assets | 77.6785% | 4,533 |
| Equity capital to assets | 16.3402% | 483 |
| Core capital (leverage) ratio | 14.2505% | 873 |
| Tier 1 risk-based capital ratio | 19.9358% | 1,347 |
| Total risk-based capital ratio | 20.9594% | 1,364 |
| Memoranda: | ||
| Average total assets | $67,397,500 | 4,673 |
| Average earning assets | $61,882,000 | 4,680 |
| Average equity | $10,923,500 | 4,208 |
| Average total loans | $46,746,000 | 4,422 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 3,509 |
| Cost of funding earning assets | 0.1548% | 5,225 |
| Net interest margin | 3.9306% | 2,105 |
| Noninterest income to average assets | 0.3633% | 3,724 |
| Noninterest expense to average assets | 2.0058% | 4,789 |
| Loan and lease loss provision to assets | 0.1241% | 1,598 |
| Net operating income to assets | 1.8344% | 543 |
| Return on assets (ROA) | 1.8344% | 545 |
| Pretax return on assets | 1.8344% | 898 |
| Return on Equity (ROE) | 11.3487% | 1,976 |
| Retained earnings to average equity (ytd only) | -6.9262% | 5,358 |
| Net charge-offs to loans | 0.1163% | 1,231 |
| Credit loss provision to net charge-offs | 155.5556% | 1,542 |
| Earnings coverage of net charge-offs (x) | 24.5556% | 1,674 |
| Efficiency ratio | 50.5961% | 4,990 |
| Assets per employee ($millions) | 5.5658% | 1,829 |
| Cash dividends to net income (ytd only)* | 161.0306% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 4,134 |
| Loan loss allowance to noncurrent loans | 63.0682% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.7098% | 716 |
| Noncurrent loans to loans | 1.5001% | 1,116 |
| Net loans and leases to total assets | 69.6017% | 2,639 |
| Net loans and leases to deposits | 89.1068% | 1,961 |
| Net loans and leases to core deposits | 89.9777% | 2,573 |
| Total domestic deposits to total assets | 78.1105% | 4,571 |
| Equity capital to assets | 15.7643% | 544 |
| Core capital (leverage) ratio | 13.6076% | 1,031 |
| Tier 1 risk-based capital ratio | 18.9274% | 1,563 |
| Total risk-based capital ratio | 19.8780% | 1,607 |
| Memoranda: | ||
| Average total assets | $67,705,330 | 4,723 |
| Average earning assets | $62,026,330 | 4,729 |
| Average equity | $10,944,000 | 4,236 |
| Average total loans | $46,443,670 | 4,474 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 3,364 |
| Cost of funding earning assets | 0.1279% | 5,360 |
| Net interest margin | 3.9341% | 1,913 |
| Noninterest income to average assets | 0.3756% | 3,624 |
| Noninterest expense to average assets | 1.9483% | 4,944 |
| Loan and lease loss provision to assets | 0.1232% | 1,529 |
| Net operating income to assets | 1.9131% | 440 |
| Return on assets (ROA) | 1.9131% | 440 |
| Pretax return on assets | 1.9131% | 697 |
| Return on Equity (ROE) | 11.6935% | 1,689 |
| Retained earnings to average equity (ytd only) | 11.6935% | 741 |
| Net charge-offs to loans | 0.0260% | 1,982 |
| Credit loss provision to net charge-offs | 700.0000% | 473 |
| Earnings coverage of net charge-offs (x) | 115.6667% | 541 |
| Efficiency ratio | 48.8954% | 5,147 |
| Assets per employee ($millions) | 5.6265% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 4,080 |
| Loan loss allowance to noncurrent loans | 41.0092% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.6144% | 835 |
| Noncurrent loans to loans | 2.3830% | 587 |
| Net loans and leases to total assets | 67.0829% | 2,880 |
| Net loans and leases to deposits | 81.3583% | 2,645 |
| Net loans and leases to core deposits | 82.1031% | 3,132 |
| Total domestic deposits to total assets | 82.4536% | 3,827 |
| Equity capital to assets | 16.6770% | 424 |
| Core capital (leverage) ratio | 14.4946% | 765 |
| Tier 1 risk-based capital ratio | 20.4061% | 1,279 |
| Total risk-based capital ratio | 21.3615% | 1,294 |
| Memoranda: | ||
| Average total assets | $68,163,000 | 4,768 |
| Average earning assets | $62,530,000 | 4,778 |
| Average equity | $11,151,500 | 4,254 |
| Average total loans | $46,200,000 | 4,529 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 3,371 |
| Cost of funding earning assets | 0.1473% | 5,275 |
| Net interest margin | 3.8624% | 2,221 |
| Noninterest income to average assets | 0.6755% | 2,067 |
| Noninterest expense to average assets | 2.2369% | 4,461 |
| Loan and lease loss provision to assets | 0.1545% | 1,460 |
| Net operating income to assets | 1.8352% | 387 |
| Return on assets (ROA) | 1.8396% | 387 |
| Pretax return on assets | 1.8396% | 712 |
| Return on Equity (ROE) | 11.6973% | 1,290 |
| Retained earnings to average equity (ytd only) | 0.4679% | 4,848 |
| Net charge-offs to loans | 0.5227% | 446 |
| Credit loss provision to net charge-offs | 42.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | 5.4080% | 3,334 |
| Efficiency ratio | 52.9248% | 5,044 |
| Assets per employee ($millions) | 5.7340% | 1,727 |
| Cash dividends to net income (ytd only)* | 96.0000% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 4,377 |
| Loan loss allowance to noncurrent loans | 53.6921% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 1,279 |
| Noncurrent loans to loans | 1.7124% | 948 |
| Net loans and leases to total assets | 67.1884% | 2,940 |
| Net loans and leases to deposits | 80.8828% | 2,828 |
| Net loans and leases to core deposits | 81.5966% | 3,279 |
| Total domestic deposits to total assets | 83.0688% | 3,539 |
| Equity capital to assets | 16.0490% | 510 |
| Core capital (leverage) ratio | 13.9281% | 850 |
| Tier 1 risk-based capital ratio | 20.0222% | 1,318 |
| Total risk-based capital ratio | 20.9538% | 1,342 |
| Memoranda: | ||
| Average total assets | $67,950,200 | 4,815 |
| Average earning assets | $62,474,000 | 4,809 |
| Average equity | $10,686,200 | 4,351 |
| Average total loans | $47,824,200 | 4,517 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,227 |
| Cost of funding earning assets | 0.1495% | 5,315 |
| Net interest margin | 3.8858% | 2,086 |
| Noninterest income to average assets | 0.4823% | 3,138 |
| Noninterest expense to average assets | 2.0432% | 4,866 |
| Loan and lease loss provision to assets | 0.1791% | 1,122 |
| Net operating income to assets | 1.8404% | 426 |
| Return on assets (ROA) | 1.8464% | 439 |
| Pretax return on assets | 1.8464% | 794 |
| Return on Equity (ROE) | 11.8018% | 1,395 |
| Retained earnings to average equity (ytd only) | -3.2964% | 5,501 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2907% | 5,229 |
| Assets per employee ($millions) | 5.5748% | 1,853 |
| Cash dividends to net income (ytd only)* | 127.9313% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,908 |
| Loan loss allowance to noncurrent loans | 51.1162% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.9672% | 664 |
| Noncurrent loans to loans | 2.7320% | 519 |
| Net loans and leases to total assets | 70.0839% | 2,545 |
| Net loans and leases to deposits | 86.7917% | 2,209 |
| Net loans and leases to core deposits | 87.6025% | 2,811 |
| Total domestic deposits to total assets | 80.7495% | 4,123 |
| Equity capital to assets | 16.1203% | 518 |
| Core capital (leverage) ratio | 13.5123% | 1,019 |
| Tier 1 risk-based capital ratio | 19.2943% | 1,521 |
| Total risk-based capital ratio | 20.5463% | 1,475 |
| Memoranda: | ||
| Average total assets | $67,735,750 | 4,865 |
| Average earning assets | $62,413,250 | 4,859 |
| Average equity | $10,597,000 | 4,404 |
| Average total loans | $48,115,250 | 4,554 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 3,069 |
| Cost of funding earning assets | 0.1437% | 5,375 |
| Net interest margin | 3.8906% | 1,963 |
| Noninterest income to average assets | 0.3881% | 3,763 |
| Noninterest expense to average assets | 2.0260% | 4,919 |
| Loan and lease loss provision to assets | 0.0441% | 3,108 |
| Net operating income to assets | 1.8996% | 374 |
| Return on assets (ROA) | 1.9084% | 378 |
| Pretax return on assets | 1.9084% | 637 |
| Return on Equity (ROE) | 12.3212% | 1,204 |
| Retained earnings to average equity (ytd only) | -10.4607% | 5,661 |
| Net charge-offs to loans | -0.0041% | 4,291 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0370% | 5,242 |
| Assets per employee ($millions) | 5.6901% | 1,712 |
| Cash dividends to net income (ytd only)* | 184.8998% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,838 |
| Loan loss allowance to noncurrent loans | 641.3043% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 3,889 |
| Noncurrent loans to loans | 0.1916% | 4,351 |
| Net loans and leases to total assets | 69.4468% | 2,602 |
| Net loans and leases to deposits | 85.3151% | 2,308 |
| Net loans and leases to core deposits | 86.0896% | 2,870 |
| Total domestic deposits to total assets | 81.4004% | 4,075 |
| Equity capital to assets | 15.3952% | 633 |
| Core capital (leverage) ratio | 12.8087% | 1,252 |
| Tier 1 risk-based capital ratio | 18.6390% | 1,682 |
| Total risk-based capital ratio | 19.8889% | 1,648 |
| Memoranda: | ||
| Average total assets | $68,015,330 | 4,899 |
| Average earning assets | $62,612,670 | 4,892 |
| Average equity | $10,534,670 | 4,430 |
| Average total loans | $48,304,330 | 4,571 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 3,270 |
| Cost of funding earning assets | 0.1279% | 5,507 |
| Net interest margin | 3.8046% | 2,098 |
| Noninterest income to average assets | 0.3418% | 4,108 |
| Noninterest expense to average assets | 2.1802% | 4,701 |
| Loan and lease loss provision to assets | 0.0471% | 2,870 |
| Net operating income to assets | 1.6204% | 648 |
| Return on assets (ROA) | 1.6381% | 644 |
| Pretax return on assets | 1.6381% | 1,152 |
| Return on Equity (ROE) | 10.5443% | 1,717 |
| Retained earnings to average equity (ytd only) | -34.9706% | 5,802 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6616% | 4,868 |
| Assets per employee ($millions) | 5.6703% | 1,751 |
| Cash dividends to net income (ytd only)* | 431.6547% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 3,081 |
| Loan loss allowance to noncurrent loans | 606.2500% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 3,831 |
| Noncurrent loans to loans | 0.1994% | 4,407 |
| Net loans and leases to total assets | 69.9073% | 2,397 |
| Net loans and leases to deposits | 82.9372% | 2,403 |
| Net loans and leases to core deposits | 83.6666% | 2,934 |
| Total domestic deposits to total assets | 84.2893% | 3,366 |
| Equity capital to assets | 14.8421% | 685 |
| Core capital (leverage) ratio | 12.5242% | 1,330 |
| Tier 1 risk-based capital ratio | 17.9292% | 1,901 |
| Total risk-based capital ratio | 19.1787% | 1,861 |
| Memoranda: | ||
| Average total assets | $67,882,500 | 4,953 |
| Average earning assets | $62,556,500 | 4,944 |
| Average equity | $10,546,000 | 4,456 |
| Average total loans | $48,452,000 | 4,608 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 2,750 |
| Cost of funding earning assets | 0.1456% | 5,449 |
| Net interest margin | 3.9806% | 1,694 |
| Noninterest income to average assets | 0.3657% | 4,131 |
| Noninterest expense to average assets | 2.1462% | 4,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9097% | 376 |
| Return on assets (ROA) | 2.0954% | 275 |
| Pretax return on assets | 2.0954% | 402 |
| Return on Equity (ROE) | 13.5845% | 849 |
| Retained earnings to average equity (ytd only) | 13.5845% | 145 |
| Net charge-offs to loans | -0.0023% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9159% | 5,316 |
| Assets per employee ($millions) | 5.6435% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 3,259 |
| Loan loss allowance to noncurrent loans | 585.7143% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 3,872 |
| Noncurrent loans to loans | 0.2010% | 4,439 |
| Net loans and leases to total assets | 71.1453% | 2,312 |
| Net loans and leases to deposits | 85.8275% | 2,200 |
| Net loans and leases to core deposits | 85.8275% | 2,866 |
| Total domestic deposits to total assets | 82.8933% | 3,797 |
| Equity capital to assets | 16.2325% | 469 |
| Core capital (leverage) ratio | 13.5575% | 953 |
| Tier 1 risk-based capital ratio | 19.2485% | 1,537 |
| Total risk-based capital ratio | 20.4534% | 1,506 |
| Memoranda: | ||
| Average total assets | $68,912,000 | 4,957 |
| Average earning assets | $63,885,400 | 4,944 |
| Average equity | $10,629,800 | 4,473 |
| Average total loans | $44,364,000 | 4,738 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 2,887 |
| Cost of funding earning assets | 0.1474% | 5,500 |
| Net interest margin | 3.9505% | 1,815 |
| Noninterest income to average assets | 0.3737% | 4,104 |
| Noninterest expense to average assets | 2.0112% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0286% | 326 |
| Return on assets (ROA) | 1.9554% | 383 |
| Pretax return on assets | 1.9554% | 633 |
| Return on Equity (ROE) | 12.8409% | 1,100 |
| Retained earnings to average equity (ytd only) | 12.8409% | 230 |
| Net charge-offs to loans | -0.0031% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7854% | 5,518 |
| Assets per employee ($millions) | 5.8237% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 3,227 |
| Loan loss allowance to noncurrent loans | 1,397.5610% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 4,240 |
| Noncurrent loans to loans | 0.0860% | 5,001 |
| Net loans and leases to total assets | 67.4360% | 2,883 |
| Net loans and leases to deposits | 83.9515% | 2,487 |
| Net loans and leases to core deposits | 83.9515% | 3,126 |
| Total domestic deposits to total assets | 80.3274% | 4,434 |
| Equity capital to assets | 15.8334% | 578 |
| Core capital (leverage) ratio | 12.7710% | 1,284 |
| Tier 1 risk-based capital ratio | 16.7748% | 2,311 |
| Total risk-based capital ratio | 17.8744% | 2,314 |
| Memoranda: | ||
| Average total assets | $69,209,500 | 4,994 |
| Average earning assets | $64,226,000 | 4,976 |
| Average equity | $10,539,000 | 4,534 |
| Average total loans | $43,266,250 | 4,814 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 2,997 |
| Cost of funding earning assets | 0.1439% | 5,586 |
| Net interest margin | 3.9248% | 1,896 |
| Noninterest income to average assets | 0.3769% | 4,049 |
| Noninterest expense to average assets | 2.0642% | 5,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9512% | 360 |
| Return on assets (ROA) | 1.8526% | 461 |
| Pretax return on assets | 1.8526% | 781 |
| Return on Equity (ROE) | 12.3315% | 1,202 |
| Retained earnings to average equity (ytd only) | 12.3315% | 285 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4079% | 5,482 |
| Assets per employee ($millions) | 5.3698% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,996 |
| Loan loss allowance to noncurrent loans | 1,273.3333% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 4,315 |
| Noncurrent loans to loans | 0.0992% | 5,057 |
| Net loans and leases to total assets | 64.1660% | 3,339 |
| Net loans and leases to deposits | 80.4342% | 2,876 |
| Net loans and leases to core deposits | 80.4342% | 3,423 |
| Total domestic deposits to total assets | 79.7745% | 4,603 |
| Equity capital to assets | 15.3235% | 663 |
| Core capital (leverage) ratio | 12.2163% | 1,509 |
| Tier 1 risk-based capital ratio | 16.6101% | 2,390 |
| Total risk-based capital ratio | 17.7479% | 2,376 |
| Memoranda: | ||
| Average total assets | $68,984,670 | 5,046 |
| Average earning assets | $63,952,670 | 5,030 |
| Average equity | $10,363,670 | 4,588 |
| Average total loans | $41,788,330 | 4,907 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,191 |
| Cost of funding earning assets | 0.1385% | 5,690 |
| Net interest margin | 3.8712% | 2,031 |
| Noninterest income to average assets | 0.3500% | 4,228 |
| Noninterest expense to average assets | 2.2049% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7325% | 530 |
| Return on assets (ROA) | 1.7150% | 593 |
| Pretax return on assets | 1.7150% | 1,036 |
| Return on Equity (ROE) | 11.5328% | 1,453 |
| Retained earnings to average equity (ytd only) | 11.5328% | 574 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0000% | 5,188 |
| Assets per employee ($millions) | 5.3185% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 2,491 |
| Loan loss allowance to noncurrent loans | 1,245.6522% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 4,333 |
| Noncurrent loans to loans | 0.1113% | 5,028 |
| Net loans and leases to total assets | 58.9471% | 3,925 |
| Net loans and leases to deposits | 70.9849% | 3,753 |
| Net loans and leases to core deposits | 70.9849% | 4,157 |
| Total domestic deposits to total assets | 83.0417% | 3,874 |
| Equity capital to assets | 14.9118% | 711 |
| Core capital (leverage) ratio | 11.9097% | 1,672 |
| Tier 1 risk-based capital ratio | 15.2628% | 3,035 |
| Total risk-based capital ratio | 16.3533% | 3,047 |
| Memoranda: | ||
| Average total assets | $68,573,000 | 5,104 |
| Average earning assets | $63,547,000 | 5,087 |
| Average equity | $10,197,000 | 4,631 |
| Average total loans | $39,999,500 | 5,006 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 2,549 |
| Cost of funding earning assets | 0.1430% | 5,726 |
| Net interest margin | 4.0590% | 1,529 |
| Noninterest income to average assets | 0.3905% | 4,104 |
| Noninterest expense to average assets | 2.0697% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.0712% | 308 |
| Return on assets (ROA) | 1.9856% | 361 |
| Pretax return on assets | 1.9856% | 553 |
| Return on Equity (ROE) | 12.8424% | 1,092 |
| Retained earnings to average equity (ytd only) | 3.1280% | 3,829 |
| Net charge-offs to loans | -0.0189% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9819% | 5,762 |
| Assets per employee ($millions) | 5.2312% | 2,084 |
| Cash dividends to net income (ytd only)* | 75.6430% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 2,097 |
| Loan loss allowance to noncurrent loans | 1,123.5294% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 4,280 |
| Noncurrent loans to loans | 0.1319% | 4,963 |
| Net loans and leases to total assets | 56.0201% | 4,297 |
| Net loans and leases to deposits | 66.4510% | 4,277 |
| Net loans and leases to core deposits | 66.4510% | 4,556 |
| Total domestic deposits to total assets | 84.3029% | 3,364 |
| Equity capital to assets | 14.8281% | 701 |
| Core capital (leverage) ratio | 11.6589% | 1,841 |
| Tier 1 risk-based capital ratio | 15.2159% | 3,071 |
| Total risk-based capital ratio | 16.3443% | 3,068 |
| Memoranda: | ||
| Average total assets | $66,578,800 | 5,165 |
| Average earning assets | $61,517,200 | 5,143 |
| Average equity | $10,294,000 | 4,600 |
| Average total loans | $37,022,000 | 5,122 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 2,506 |
| Cost of funding earning assets | 0.1439% | 5,823 |
| Net interest margin | 4.0802% | 1,459 |
| Noninterest income to average assets | 0.4027% | 4,067 |
| Noninterest expense to average assets | 1.9248% | 5,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.2469% | 236 |
| Return on assets (ROA) | 2.1744% | 282 |
| Pretax return on assets | 2.1744% | 440 |
| Return on Equity (ROE) | 13.9174% | 928 |
| Retained earnings to average equity (ytd only) | 13.9174% | 214 |
| Net charge-offs to loans | 0.0036% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1,118.7669% | 64 |
| Efficiency ratio | 46.1390% | 5,958 |
| Assets per employee ($millions) | 5.1997% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 2,299 |
| Loan loss allowance to noncurrent loans | 376.6667% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 3,816 |
| Noncurrent loans to loans | 0.3893% | 4,220 |
| Net loans and leases to total assets | 56.1631% | 4,338 |
| Net loans and leases to deposits | 72.6556% | 3,687 |
| Net loans and leases to core deposits | 72.6556% | 4,132 |
| Total domestic deposits to total assets | 77.3004% | 5,297 |
| Equity capital to assets | 16.0557% | 555 |
| Core capital (leverage) ratio | 12.9185% | 1,233 |
| Tier 1 risk-based capital ratio | 16.7413% | 2,463 |
| Total risk-based capital ratio | 17.8561% | 2,481 |
| Memoranda: | ||
| Average total assets | $66,222,000 | 5,232 |
| Average earning assets | $61,172,500 | 5,220 |
| Average equity | $10,346,500 | 4,645 |
| Average total loans | $36,610,000 | 5,191 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 2,442 |
| Cost of funding earning assets | 0.1417% | 5,908 |
| Net interest margin | 4.0854% | 1,387 |
| Noninterest income to average assets | 0.4136% | 3,980 |
| Noninterest expense to average assets | 1.9464% | 5,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2383% | 238 |
| Return on assets (ROA) | 2.2049% | 270 |
| Pretax return on assets | 2.2049% | 410 |
| Return on Equity (ROE) | 14.2469% | 854 |
| Retained earnings to average equity (ytd only) | 14.2469% | 225 |
| Net charge-offs to loans | -0.0111% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5116% | 6,020 |
| Assets per employee ($millions) | 5.1856% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 2,154 |
| Loan loss allowance to noncurrent loans | 1,159.1837% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 4,482 |
| Noncurrent loans to loans | 0.1321% | 5,219 |
| Net loans and leases to total assets | 54.1735% | 4,534 |
| Net loans and leases to deposits | 68.1661% | 4,122 |
| Net loans and leases to core deposits | 68.1661% | 4,480 |
| Total domestic deposits to total assets | 79.4728% | 4,985 |
| Equity capital to assets | 15.6290% | 580 |
| Core capital (leverage) ratio | 12.6223% | 1,325 |
| Tier 1 risk-based capital ratio | 16.4143% | 2,653 |
| Total risk-based capital ratio | 17.5612% | 2,665 |
| Memoranda: | ||
| Average total assets | $65,764,000 | 5,313 |
| Average earning assets | $60,704,670 | 5,288 |
| Average equity | $10,177,670 | 4,707 |
| Average total loans | $35,970,330 | 5,259 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 2,213 |
| Cost of funding earning assets | 0.1470% | 5,953 |
| Net interest margin | 4.1171% | 1,237 |
| Noninterest income to average assets | 0.3757% | 4,195 |
| Noninterest expense to average assets | 1.9403% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.2298% | 217 |
| Return on assets (ROA) | 2.1805% | 256 |
| Pretax return on assets | 2.1805% | 399 |
| Return on Equity (ROE) | 14.1621% | 848 |
| Retained earnings to average equity (ytd only) | 14.1621% | 346 |
| Net charge-offs to loans | -0.0113% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5288% | 6,083 |
| Assets per employee ($millions) | 4.9851% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 2,100 |
| Loan loss allowance to noncurrent loans | 1,134.0000% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 4,536 |
| Noncurrent loans to loans | 0.1399% | 5,274 |
| Net loans and leases to total assets | 54.2758% | 4,412 |
| Net loans and leases to deposits | 65.2276% | 4,243 |
| Net loans and leases to core deposits | 65.2276% | 4,596 |
| Total domestic deposits to total assets | 83.2099% | 4,115 |
| Equity capital to assets | 15.8689% | 560 |
| Core capital (leverage) ratio | 12.3067% | 1,455 |
| Tier 1 risk-based capital ratio | 16.7029% | 2,594 |
| Total risk-based capital ratio | 17.9235% | 2,559 |
| Memoranda: | ||
| Average total assets | $64,939,500 | 5,376 |
| Average earning assets | $59,847,500 | 5,355 |
| Average equity | $9,998,500 | 4,785 |
| Average total loans | $35,411,500 | 5,318 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 2,399 |
| Cost of funding earning assets | 0.1640% | 6,017 |
| Net interest margin | 4.1889% | 1,337 |
| Noninterest income to average assets | 0.4156% | 4,073 |
| Noninterest expense to average assets | 2.0396% | 5,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.2144% | 220 |
| Return on assets (ROA) | 2.1561% | 247 |
| Pretax return on assets | 2.1561% | 355 |
| Return on Equity (ROE) | 13.8470% | 958 |
| Retained earnings to average equity (ytd only) | 2.0288% | 4,770 |
| Net charge-offs to loans | 0.0061% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 65 |
| Efficiency ratio | 47.9452% | 6,187 |
| Assets per employee ($millions) | 5.0056% | 2,316 |
| Cash dividends to net income (ytd only)* | 85.3485% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 2,047 |
| Loan loss allowance to noncurrent loans | 14,150.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 4,847 |
| Noncurrent loans to loans | 0.0114% | 5,870 |
| Net loans and leases to total assets | 53.0420% | 4,682 |
| Net loans and leases to deposits | 66.2979% | 4,290 |
| Net loans and leases to core deposits | 66.2979% | 4,649 |
| Total domestic deposits to total assets | 80.0055% | 5,014 |
| Equity capital to assets | 14.9263% | 715 |
| Core capital (leverage) ratio | 11.5451% | 1,949 |
| Tier 1 risk-based capital ratio | 17.6760% | 2,251 |
| Total risk-based capital ratio | 18.8934% | 2,232 |
| Memoranda: | ||
| Average total assets | $65,209,200 | 5,418 |
| Average earning assets | $59,753,200 | 5,397 |
| Average equity | $10,153,800 | 4,725 |
| Average total loans | $32,876,000 | 5,454 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 2,532 |
| Cost of funding earning assets | 0.1673% | 6,080 |
| Net interest margin | 4.1546% | 1,414 |
| Noninterest income to average assets | 0.4271% | 4,044 |
| Noninterest expense to average assets | 1.8883% | 5,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.3440% | 183 |
| Return on assets (ROA) | 2.2643% | 208 |
| Pretax return on assets | 2.2643% | 318 |
| Return on Equity (ROE) | 14.3930% | 916 |
| Retained earnings to average equity (ytd only) | 14.3930% | 231 |
| Net charge-offs to loans | 0.0124% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 382.3250% | 190 |
| Efficiency ratio | 44.6161% | 6,341 |
| Assets per employee ($millions) | 4.9477% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 2,030 |
| Loan loss allowance to noncurrent loans | 538.0952% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 4,513 |
| Noncurrent loans to loans | 0.3126% | 4,972 |
| Net loans and leases to total assets | 51.3479% | 4,865 |
| Net loans and leases to deposits | 66.8996% | 4,244 |
| Net loans and leases to core deposits | 66.8996% | 4,615 |
| Total domestic deposits to total assets | 76.7537% | 5,715 |
| Equity capital to assets | 16.8890% | 439 |
| Core capital (leverage) ratio | 13.2058% | 1,099 |
| Tier 1 risk-based capital ratio | 20.6500% | 1,517 |
| Total risk-based capital ratio | 21.7092% | 1,527 |
| Memoranda: | ||
| Average total assets | $65,243,250 | 5,476 |
| Average earning assets | $59,755,250 | 5,462 |
| Average equity | $10,264,000 | 4,734 |
| Average total loans | $32,324,500 | 5,523 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 2,689 |
| Cost of funding earning assets | 0.1570% | 6,223 |
| Net interest margin | 4.1166% | 1,455 |
| Noninterest income to average assets | 0.4485% | 3,884 |
| Noninterest expense to average assets | 1.8795% | 6,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.3280% | 185 |
| Return on assets (ROA) | 2.2090% | 234 |
| Pretax return on assets | 2.2090% | 355 |
| Return on Equity (ROE) | 14.3874% | 891 |
| Retained earnings to average equity (ytd only) | 14.3874% | 243 |
| Net charge-offs to loans | 0.0125% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 381.5000% | 183 |
| Efficiency ratio | 44.6701% | 6,402 |
| Assets per employee ($millions) | 4.9468% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 1,994 |
| Loan loss allowance to noncurrent loans | 258.9041% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 4,084 |
| Noncurrent loans to loans | 0.6735% | 4,030 |
| Net loans and leases to total assets | 49.6804% | 4,991 |
| Net loans and leases to deposits | 63.4727% | 4,550 |
| Net loans and leases to core deposits | 63.4727% | 4,862 |
| Total domestic deposits to total assets | 78.2705% | 5,584 |
| Equity capital to assets | 16.2745% | 503 |
| Core capital (leverage) ratio | 12.7417% | 1,269 |
| Tier 1 risk-based capital ratio | 20.1168% | 1,661 |
| Total risk-based capital ratio | 21.1859% | 1,672 |
| Memoranda: | ||
| Average total assets | $65,551,000 | 5,517 |
| Average earning assets | $59,855,330 | 5,507 |
| Average equity | $10,064,330 | 4,786 |
| Average total loans | $31,902,000 | 5,583 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 2,807 |
| Cost of funding earning assets | 0.1528% | 6,340 |
| Net interest margin | 4.0657% | 1,557 |
| Noninterest income to average assets | 0.5138% | 3,305 |
| Noninterest expense to average assets | 1.7651% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.4482% | 158 |
| Return on assets (ROA) | 2.4300% | 172 |
| Pretax return on assets | 2.4300% | 253 |
| Return on Equity (ROE) | 16.3025% | 612 |
| Retained earnings to average equity (ytd only) | 16.3025% | 259 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8938% | 6,554 |
| Assets per employee ($millions) | 5.0293% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 1,946 |
| Loan loss allowance to noncurrent loans | 249.1228% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 4,232 |
| Noncurrent loans to loans | 0.7365% | 4,023 |
| Net loans and leases to total assets | 46.4783% | 5,277 |
| Net loans and leases to deposits | 55.6058% | 5,145 |
| Net loans and leases to core deposits | 55.6058% | 5,377 |
| Total domestic deposits to total assets | 83.5854% | 4,426 |
| Equity capital to assets | 15.4892% | 599 |
| Core capital (leverage) ratio | 12.0095% | 1,648 |
| Tier 1 risk-based capital ratio | 19.9753% | 1,729 |
| Total risk-based capital ratio | 20.9898% | 1,752 |
| Memoranda: | ||
| Average total assets | $66,172,000 | 5,563 |
| Average earning assets | $60,211,000 | 5,559 |
| Average equity | $9,863,500 | 4,854 |
| Average total loans | $31,595,000 | 5,646 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 2,796 |
| Cost of funding earning assets | 0.1915% | 6,329 |
| Net interest margin | 4.1525% | 1,488 |
| Noninterest income to average assets | 0.7479% | 2,302 |
| Noninterest expense to average assets | 2.4672% | 4,870 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.0720% | 297 |
| Return on assets (ROA) | 1.9701% | 358 |
| Pretax return on assets | 1.9701% | 521 |
| Return on Equity (ROE) | 13.3882% | 1,092 |
| Retained earnings to average equity (ytd only) | 6.9317% | 1,462 |
| Net charge-offs to loans | -0.0032% | 5,886 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3537% | 6,104 |
| Assets per employee ($millions) | 5.1510% | 2,012 |
| Cash dividends to net income (ytd only)* | 48.2253% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 2,182 |
| Loan loss allowance to noncurrent loans | 148.6911% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 3,777 |
| Noncurrent loans to loans | 1.1851% | 3,175 |
| Net loans and leases to total assets | 47.2888% | 5,365 |
| Net loans and leases to deposits | 55.7863% | 5,323 |
| Net loans and leases to core deposits | 55.7863% | 5,551 |
| Total domestic deposits to total assets | 84.7677% | 3,860 |
| Equity capital to assets | 14.3363% | 819 |
| Core capital (leverage) ratio | 11.2216% | 2,180 |
| Tier 1 risk-based capital ratio | 18.3735% | 2,125 |
| Total risk-based capital ratio | 19.6038% | 2,089 |
| Memoranda: | ||
| Average total assets | $65,782,200 | 5,599 |
| Average earning assets | $60,060,800 | 5,587 |
| Average equity | $9,680,200 | 4,925 |
| Average total loans | $31,450,000 | 5,690 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 2,713 |
| Cost of funding earning assets | 0.1917% | 6,437 |
| Net interest margin | 4.1730% | 1,412 |
| Noninterest income to average assets | 0.8795% | 1,824 |
| Noninterest expense to average assets | 2.4554% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.2355% | 242 |
| Return on assets (ROA) | 2.1622% | 289 |
| Pretax return on assets | 2.1622% | 424 |
| Return on Equity (ROE) | 14.5971% | 871 |
| Retained earnings to average equity (ytd only) | 14.5971% | 222 |
| Net charge-offs to loans | 0.0128% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 365.9900% | 161 |
| Efficiency ratio | 52.3438% | 6,233 |
| Assets per employee ($millions) | 5.0056% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 2,164 |
| Loan loss allowance to noncurrent loans | 144.2455% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 3,902 |
| Noncurrent loans to loans | 1.2777% | 3,270 |
| Net loans and leases to total assets | 46.1620% | 5,534 |
| Net loans and leases to deposits | 60.0972% | 4,963 |
| Net loans and leases to core deposits | 60.0972% | 5,291 |
| Total domestic deposits to total assets | 76.8122% | 6,074 |
| Equity capital to assets | 15.4503% | 636 |
| Core capital (leverage) ratio | 11.8578% | 1,767 |
| Tier 1 risk-based capital ratio | 20.6790% | 1,566 |
| Total risk-based capital ratio | 21.9570% | 1,530 |
| Memoranda: | ||
| Average total assets | $65,487,000 | 5,668 |
| Average earning assets | $59,811,500 | 5,654 |
| Average equity | $9,700,250 | 4,971 |
| Average total loans | $31,254,000 | 5,754 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 2,780 |
| Cost of funding earning assets | 0.2043% | 6,452 |
| Net interest margin | 4.1387% | 1,440 |
| Noninterest income to average assets | 1.1550% | 1,142 |
| Noninterest expense to average assets | 2.6270% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2949% | 221 |
| Return on assets (ROA) | 2.2156% | 264 |
| Pretax return on assets | 2.2156% | 402 |
| Return on Equity (ROE) | 15.1738% | 781 |
| Retained earnings to average equity (ytd only) | 15.1738% | 226 |
| Net charge-offs to loans | 0.0127% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 376.5000% | 135 |
| Efficiency ratio | 53.3746% | 6,193 |
| Assets per employee ($millions) | 5.0905% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 2,367 |
| Loan loss allowance to noncurrent loans | 115.5419% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.2845% | 3,197 |
| Noncurrent loans to loans | 1.5749% | 2,948 |
| Net loans and leases to total assets | 46.0650% | 5,524 |
| Net loans and leases to deposits | 54.6641% | 5,461 |
| Net loans and leases to core deposits | 54.6641% | 5,702 |
| Total domestic deposits to total assets | 84.2692% | 4,213 |
| Equity capital to assets | 14.8075% | 753 |
| Core capital (leverage) ratio | 11.1669% | 2,200 |
| Tier 1 risk-based capital ratio | 19.4243% | 1,876 |
| Total risk-based capital ratio | 20.6748% | 1,850 |
| Memoranda: | ||
| Average total assets | $65,625,000 | 5,703 |
| Average earning assets | $59,729,000 | 5,703 |
| Average equity | $9,582,330 | 5,041 |
| Average total loans | $31,471,000 | 5,777 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 2,198 |
| Cost of funding earning assets | 0.2165% | 6,495 |
| Net interest margin | 4.2759% | 1,013 |
| Noninterest income to average assets | 0.3428% | 4,949 |
| Noninterest expense to average assets | 2.5402% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6710% | 627 |
| Return on assets (ROA) | 1.5486% | 842 |
| Pretax return on assets | 1.5486% | 1,427 |
| Return on Equity (ROE) | 10.6819% | 1,802 |
| Retained earnings to average equity (ytd only) | 10.6819% | 941 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3198% | 5,545 |
| Assets per employee ($millions) | 5.1944% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8167% | 2,562 |
| Loan loss allowance to noncurrent loans | 209.5941% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9256% | 4,080 |
| Noncurrent loans to loans | 0.8668% | 4,392 |
| Net loans and leases to total assets | 45.4589% | 5,492 |
| Net loans and leases to deposits | 53.5799% | 5,467 |
| Net loans and leases to core deposits | 53.5799% | 5,704 |
| Total domestic deposits to total assets | 84.8431% | 4,124 |
| Equity capital to assets | 14.2476% | 954 |
| Core capital (leverage) ratio | 10.5511% | 2,704 |
| Tier 1 risk-based capital ratio | 17.9684% | 2,381 |
| Total risk-based capital ratio | 19.0125% | 2,424 |
| Memoranda: | ||
| Average total assets | $65,349,500 | 5,759 |
| Average earning assets | $59,121,500 | 5,775 |
| Average equity | $9,474,000 | 5,114 |
| Average total loans | $31,682,000 | 5,809 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 2,216 |
| Cost of funding earning assets | 0.3466% | 6,239 |
| Net interest margin | 4.4489% | 1,050 |
| Noninterest income to average assets | 0.3180% | 5,182 |
| Noninterest expense to average assets | 2.3881% | 5,437 |
| Loan and lease loss provision to assets | 0.0162% | 5,700 |
| Net operating income to assets | 1.9306% | 410 |
| Return on assets (ROA) | 1.8625% | 510 |
| Pretax return on assets | 1.8641% | 805 |
| Return on Equity (ROE) | 13.1308% | 1,196 |
| Retained earnings to average equity (ytd only) | 9.6994% | 658 |
| Net charge-offs to loans | 0.0204% | 5,621 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 200.1667% | 211 |
| Efficiency ratio | 55.0692% | 6,162 |
| Assets per employee ($millions) | 4.5123% | 2,931 |
| Cash dividends to net income (ytd only)* | 26.1324% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 2,690 |
| Loan loss allowance to noncurrent loans | 158.6592% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 3,811 |
| Noncurrent loans to loans | 1.1153% | 3,981 |
| Net loans and leases to total assets | 49.9129% | 5,178 |
| Net loans and leases to deposits | 59.2343% | 5,104 |
| Net loans and leases to core deposits | 59.2343% | 5,429 |
| Total domestic deposits to total assets | 84.2636% | 4,198 |
| Equity capital to assets | 14.7645% | 801 |
| Core capital (leverage) ratio | 10.3871% | 2,900 |
| Tier 1 risk-based capital ratio | 16.7707% | 2,760 |
| Total risk-based capital ratio | 18.0274% | 2,720 |
| Memoranda: | ||
| Average total assets | $61,639,000 | 5,882 |
| Average earning assets | $55,676,200 | 5,870 |
| Average equity | $8,742,800 | 5,289 |
| Average total loans | $29,369,000 | 5,980 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 2,417 |
| Cost of funding earning assets | 0.3489% | 6,380 |
| Net interest margin | 4.4444% | 1,101 |
| Noninterest income to average assets | 0.4571% | 4,231 |
| Noninterest expense to average assets | 2.2027% | 5,944 |
| Loan and lease loss provision to assets | 0.0218% | 5,524 |
| Net operating income to assets | 2.2506% | 262 |
| Return on assets (ROA) | 2.1440% | 348 |
| Pretax return on assets | 2.1461% | 530 |
| Return on Equity (ROE) | 15.2767% | 853 |
| Retained earnings to average equity (ytd only) | 15.2767% | 221 |
| Net charge-offs to loans | 0.0186% | 5,413 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 261.4071% | 176 |
| Efficiency ratio | 49.1979% | 6,648 |
| Assets per employee ($millions) | 4.7882% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 2,605 |
| Loan loss allowance to noncurrent loans | 136.7788% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.3479% | 3,601 |
| Noncurrent loans to loans | 1.3633% | 3,743 |
| Net loans and leases to total assets | 48.1091% | 5,532 |
| Net loans and leases to deposits | 57.4239% | 5,494 |
| Net loans and leases to core deposits | 57.4239% | 5,776 |
| Total domestic deposits to total assets | 83.7789% | 4,326 |
| Equity capital to assets | 15.2058% | 772 |
| Core capital (leverage) ratio | 11.1299% | 2,273 |
| Tier 1 risk-based capital ratio | 17.8695% | 2,400 |
| Total risk-based capital ratio | 19.1354% | 2,362 |
| Memoranda: | ||
| Average total assets | $61,255,750 | 5,960 |
| Average earning assets | $55,409,250 | 5,952 |
| Average equity | $8,596,750 | 5,382 |
| Average total loans | $28,686,500 | 6,078 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 2,306 |
| Cost of funding earning assets | 0.3563% | 6,483 |
| Net interest margin | 4.4934% | 1,004 |
| Noninterest income to average assets | 0.4169% | 4,529 |
| Noninterest expense to average assets | 2.3077% | 5,713 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1633% | 300 |
| Return on assets (ROA) | 2.0714% | 390 |
| Pretax return on assets | 2.0747% | 602 |
| Return on Equity (ROE) | 15.1914% | 906 |
| Retained earnings to average equity (ytd only) | 15.1914% | 274 |
| Net charge-offs to loans | 0.0356% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 338 |
| Efficiency ratio | 51.5774% | 6,533 |
| Assets per employee ($millions) | 4.7602% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8730% | 2,637 |
| Loan loss allowance to noncurrent loans | 1,052.8302% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 4,862 |
| Noncurrent loans to loans | 0.1779% | 6,225 |
| Net loans and leases to total assets | 47.2391% | 5,689 |
| Net loans and leases to deposits | 55.7169% | 5,683 |
| Net loans and leases to core deposits | 55.7169% | 5,968 |
| Total domestic deposits to total assets | 84.7842% | 3,958 |
| Equity capital to assets | 14.1541% | 1,031 |
| Core capital (leverage) ratio | 10.1727% | 3,174 |
| Tier 1 risk-based capital ratio | 16.2805% | 3,012 |
| Total risk-based capital ratio | 17.5525% | 2,979 |
| Memoranda: | ||
| Average total assets | $60,925,670 | 6,006 |
| Average earning assets | $55,014,000 | 5,998 |
| Average equity | $8,307,330 | 5,477 |
| Average total loans | $28,077,000 | 6,147 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 2,607 |
| Cost of funding earning assets | 0.3591% | 6,604 |
| Net interest margin | 4.4484% | 1,114 |
| Noninterest income to average assets | 0.4169% | 4,541 |
| Noninterest expense to average assets | 2.2698% | 5,855 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1573% | 311 |
| Return on assets (ROA) | 2.0911% | 413 |
| Pretax return on assets | 2.0977% | 638 |
| Return on Equity (ROE) | 15.6407% | 860 |
| Retained earnings to average equity (ytd only) | 15.6407% | 398 |
| Net charge-offs to loans | 0.0294% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 163.5000% | 220 |
| Efficiency ratio | 51.1940% | 6,602 |
| Assets per employee ($millions) | 4.7581% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 2,295 |
| Loan loss allowance to noncurrent loans | 160.7450% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 4,068 |
| Noncurrent loans to loans | 1.2571% | 4,231 |
| Net loans and leases to total assets | 43.9754% | 6,014 |
| Net loans and leases to deposits | 51.4469% | 6,035 |
| Net loans and leases to core deposits | 51.4469% | 6,246 |
| Total domestic deposits to total assets | 85.4773% | 3,806 |
| Equity capital to assets | 13.4637% | 1,252 |
| Core capital (leverage) ratio | 10.1932% | 3,115 |
| Tier 1 risk-based capital ratio | 14.8558% | 3,853 |
| Total risk-based capital ratio | 15.7207% | 4,095 |
| Memoranda: | ||
| Average total assets | $60,447,000 | 6,052 |
| Average earning assets | $54,581,000 | 6,049 |
| Average equity | $8,081,500 | 5,566 |
| Average total loans | $27,220,000 | 6,237 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 2,024 |
| Cost of funding earning assets | 0.4835% | 6,603 |
| Net interest margin | 4.7243% | 712 |
| Noninterest income to average assets | 0.4780% | 4,006 |
| Noninterest expense to average assets | 2.8104% | 4,308 |
| Loan and lease loss provision to assets | -0.0898% | 7,273 |
| Net operating income to assets | 2.0413% | 285 |
| Return on assets (ROA) | 1.7934% | 503 |
| Pretax return on assets | 1.7934% | 811 |
| Return on Equity (ROE) | 13.0533% | 1,152 |
| Retained earnings to average equity (ytd only) | 2.5897% | 4,380 |
| Net charge-offs to loans | 0.0342% | 5,972 |
| Credit loss provision to net charge-offs | -555.5556% | 6,822 |
| Earnings coverage of net charge-offs (x) | 120.6667% | 272 |
| Efficiency ratio | 59.0189% | 5,896 |
| Assets per employee ($millions) | 4.5415% | 2,841 |
| Cash dividends to net income (ytd only)* | 80.1603% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 1,978 |
| Loan loss allowance to noncurrent loans | 1,023.6364% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 5,026 |
| Noncurrent loans to loans | 0.2062% | 6,333 |
| Net loans and leases to total assets | 44.2335% | 6,188 |
| Net loans and leases to deposits | 51.7118% | 6,237 |
| Net loans and leases to core deposits | 51.7118% | 6,440 |
| Total domestic deposits to total assets | 85.5384% | 3,572 |
| Equity capital to assets | 13.2709% | 1,372 |
| Core capital (leverage) ratio | 9.8002% | 3,605 |
| Tier 1 risk-based capital ratio | 15.8582% | 3,126 |
| Total risk-based capital ratio | 17.1115% | 3,084 |
| Memoranda: | ||
| Average total assets | $55,650,000 | 6,176 |
| Average earning assets | $50,462,000 | 6,173 |
| Average equity | $7,645,600 | 5,675 |
| Average total loans | $26,352,400 | 6,335 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2641% | 1,981 |
| Cost of funding earning assets | 0.5122% | 6,651 |
| Net interest margin | 4.7519% | 685 |
| Noninterest income to average assets | 0.4696% | 4,135 |
| Noninterest expense to average assets | 2.7224% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.0582% | 312 |
| Return on assets (ROA) | 1.7857% | 581 |
| Pretax return on assets | 1.7857% | 980 |
| Return on Equity (ROE) | 12.8798% | 1,311 |
| Retained earnings to average equity (ytd only) | 7.6156% | 1,658 |
| Net charge-offs to loans | 0.0457% | 5,534 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 93.9975% | 380 |
| Efficiency ratio | 56.9466% | 6,156 |
| Assets per employee ($millions) | 4.2706% | 3,328 |
| Cash dividends to net income (ytd only)* | 40.8720% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2508% | 1,776 |
| Loan loss allowance to noncurrent loans | 260.8511% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 4,422 |
| Noncurrent loans to loans | 0.8629% | 5,137 |
| Net loans and leases to total assets | 47.9520% | 5,960 |
| Net loans and leases to deposits | 57.1300% | 5,925 |
| Net loans and leases to core deposits | 57.1300% | 6,213 |
| Total domestic deposits to total assets | 83.9349% | 4,261 |
| Equity capital to assets | 14.5827% | 964 |
| Core capital (leverage) ratio | 10.6791% | 2,687 |
| Tier 1 risk-based capital ratio | 17.3836% | 2,491 |
| Total risk-based capital ratio | 18.6670% | 2,449 |
| Memoranda: | ||
| Average total assets | $54,802,750 | 6,250 |
| Average earning assets | $49,719,250 | 6,255 |
| Average equity | $7,598,250 | 5,724 |
| Average total loans | $26,271,000 | 6,406 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 1,985 |
| Cost of funding earning assets | 0.5280% | 6,752 |
| Net interest margin | 4.7442% | 664 |
| Noninterest income to average assets | 0.5095% | 3,783 |
| Noninterest expense to average assets | 2.8150% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9756% | 355 |
| Return on assets (ROA) | 1.6384% | 726 |
| Pretax return on assets | 1.6384% | 1,187 |
| Return on Equity (ROE) | 12.0285% | 1,480 |
| Retained earnings to average equity (ytd only) | 3.9557% | 3,677 |
| Net charge-offs to loans | 0.0540% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 445 |
| Efficiency ratio | 58.7605% | 6,064 |
| Assets per employee ($millions) | 4.2484% | 3,257 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3084% | 1,726 |
| Loan loss allowance to noncurrent loans | 788.4615% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 5,054 |
| Noncurrent loans to loans | 0.2928% | 6,329 |
| Net loans and leases to total assets | 47.1256% | 6,140 |
| Net loans and leases to deposits | 55.5646% | 6,173 |
| Net loans and leases to core deposits | 55.5646% | 6,445 |
| Total domestic deposits to total assets | 84.8123% | 3,961 |
| Equity capital to assets | 13.9039% | 1,132 |
| Core capital (leverage) ratio | 10.4277% | 2,789 |
| Tier 1 risk-based capital ratio | 16.8021% | 2,607 |
| Total risk-based capital ratio | 18.0851% | 2,557 |
| Memoranda: | ||
| Average total assets | $54,564,330 | 6,311 |
| Average earning assets | $49,239,000 | 6,330 |
| Average equity | $7,432,330 | 5,791 |
| Average total loans | $25,949,670 | 6,486 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1573% | 2,395 |
| Cost of funding earning assets | 0.5499% | 6,804 |
| Net interest margin | 4.6074% | 852 |
| Noninterest income to average assets | 0.5343% | 3,619 |
| Noninterest expense to average assets | 2.6323% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9417% | 381 |
| Return on assets (ROA) | 1.7983% | 514 |
| Pretax return on assets | 1.7983% | 821 |
| Return on Equity (ROE) | 11.7835% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.7835% | 768 |
| Net charge-offs to loans | -0.0559% | 6,917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5499% | 6,319 |
| Assets per employee ($millions) | 5.0683% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2731% | 1,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 4,903 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 44.8175% | 6,396 |
| Net loans and leases to deposits | 54.8385% | 6,225 |
| Net loans and leases to core deposits | 54.8385% | 6,498 |
| Total domestic deposits to total assets | 81.7264% | 5,415 |
| Equity capital to assets | 15.8402% | 601 |
| Core capital (leverage) ratio | 10.9930% | 2,195 |
| Tier 1 risk-based capital ratio | 17.5955% | 2,250 |
| Total risk-based capital ratio | 18.9066% | 2,203 |
| Memoranda: | ||
| Average total assets | $30,695,500 | 7,133 |
| Average earning assets | $26,913,500 | 7,139 |
| Average equity | $4,684,500 | 6,660 |
| Average total loans | $14,315,000 | 7,127 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1834% | 3,684 |
| Cost of funding earning assets | 0.7969% | 6,581 |
| Net interest margin | 4.3866% | 1,525 |
| Noninterest income to average assets | 0.2802% | 5,774 |
| Noninterest expense to average assets | 2.6939% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4516% | 850 |
| Return on assets (ROA) | 1.5124% | 801 |
| Pretax return on assets | 1.5124% | 1,340 |
| Return on Equity (ROE) | 11.4742% | 1,462 |
| Retained earnings to average equity (ytd only) | 11.4742% | 331 |
| Net charge-offs to loans | 0.6844% | 2,958 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 4.4330% | 2,924 |
| Efficiency ratio | 64.9837% | 5,167 |
| Assets per employee ($millions) | 5.1635% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1452% | 1,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9554% | 5,102 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 46.3800% | 6,528 |
| Net loans and leases to deposits | 56.4265% | 6,406 |
| Net loans and leases to core deposits | 56.4265% | 6,673 |
| Total domestic deposits to total assets | 82.1955% | 5,127 |
| Equity capital to assets | 14.6929% | 863 |
| Core capital (leverage) ratio | 10.6892% | 2,384 |
| Tier 1 risk-based capital ratio | 16.1801% | 2,662 |
| Total risk-based capital ratio | 17.2856% | 2,691 |
| Memoranda: | ||
| Average total assets | $29,622,600 | 7,215 |
| Average earning assets | $26,102,400 | 7,222 |
| Average equity | $3,904,400 | 7,026 |
| Average total loans | $14,173,600 | 7,200 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 3,140 |
| Cost of funding earning assets | 0.8366% | 6,628 |
| Net interest margin | 4.5085% | 1,240 |
| Noninterest income to average assets | 0.2641% | 6,007 |
| Noninterest expense to average assets | 2.4951% | 5,730 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7438% | 572 |
| Return on assets (ROA) | 1.3933% | 1,197 |
| Pretax return on assets | 1.3933% | 1,896 |
| Return on Equity (ROE) | 10.9015% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.9015% | 619 |
| Net charge-offs to loans | 0.8733% | 2,264 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 4.1631% | 3,167 |
| Efficiency ratio | 58.8614% | 6,128 |
| Assets per employee ($millions) | 4.7088% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4001% | 1,473 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 1.0901% | 4,937 |
| Noncurrent loans to loans | 0.0750% | 7,055 |
| Net loans and leases to total assets | 46.0588% | 6,688 |
| Net loans and leases to deposits | 55.9290% | 6,622 |
| Net loans and leases to core deposits | 55.9290% | 6,862 |
| Total domestic deposits to total assets | 82.3523% | 4,852 |
| Equity capital to assets | 13.8145% | 1,237 |
| Core capital (leverage) ratio | 10.3323% | 2,879 |
| Tier 1 risk-based capital ratio | 16.7259% | 2,448 |
| Total risk-based capital ratio | 18.0241% | 2,387 |
| Memoranda: | ||
| Average total assets | $29,283,000 | 7,315 |
| Average earning assets | $25,817,500 | 7,327 |
| Average equity | $3,742,500 | 7,166 |
| Average total loans | $14,046,000 | 7,297 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3410% | 3,260 |
| Cost of funding earning assets | 0.8417% | 6,779 |
| Net interest margin | 4.4993% | 1,211 |
| Noninterest income to average assets | 0.2363% | 6,214 |
| Noninterest expense to average assets | 2.5990% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6067% | 720 |
| Return on assets (ROA) | 0.9924% | 2,306 |
| Pretax return on assets | 0.9924% | 3,147 |
| Return on Equity (ROE) | 7.9696% | 2,896 |
| Retained earnings to average equity (ytd only) | 7.9696% | 1,449 |
| Net charge-offs to loans | -0.2940% | 7,686 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7978% | 5,723 |
| Assets per employee ($millions) | 4.8923% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0729% | 779 |
| Loan loss allowance to noncurrent loans | 366.9492% | 815 |
| Noncurrent assets plus other real estate owned to assets | 1.4172% | 4,349 |
| Noncurrent loans to loans | 0.8374% | 5,607 |
| Net loans and leases to total assets | 46.5286% | 6,740 |
| Net loans and leases to deposits | 56.2915% | 6,702 |
| Net loans and leases to core deposits | 56.2915% | 6,924 |
| Total domestic deposits to total assets | 82.6565% | 4,712 |
| Equity capital to assets | 13.7937% | 1,245 |
| Core capital (leverage) ratio | 9.6998% | 3,538 |
| Tier 1 risk-based capital ratio | 15.1316% | 3,089 |
| Total risk-based capital ratio | 16.4474% | 3,017 |
| Memoranda: | ||
| Average total assets | $29,626,330 | 7,359 |
| Average earning assets | $26,137,670 | 7,367 |
| Average equity | $3,689,000 | 7,216 |
| Average total loans | $14,283,670 | 7,343 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4301% | 2,899 |
| Cost of funding earning assets | 0.8847% | 6,825 |
| Net interest margin | 4.5455% | 1,055 |
| Noninterest income to average assets | 0.1344% | 7,012 |
| Noninterest expense to average assets | 2.6073% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5321% | 845 |
| Return on assets (ROA) | 1.1289% | 1,817 |
| Pretax return on assets | 1.1289% | 2,635 |
| Return on Equity (ROE) | 9.5754% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.5754% | 1,248 |
| Net charge-offs to loans | -0.5841% | 7,812 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9870% | 5,664 |
| Assets per employee ($millions) | 4.9473% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0909% | 764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 5,114 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 45.7351% | 6,848 |
| Net loans and leases to deposits | 56.3296% | 6,749 |
| Net loans and leases to core deposits | 56.3296% | 6,972 |
| Total domestic deposits to total assets | 81.1919% | 5,385 |
| Equity capital to assets | 13.0845% | 1,490 |
| Core capital (leverage) ratio | 9.4846% | 3,796 |
| Tier 1 risk-based capital ratio | 14.1652% | 3,553 |
| Total risk-based capital ratio | 15.4684% | 3,496 |
| Memoranda: | ||
| Average total assets | $29,762,500 | 7,451 |
| Average earning assets | $26,224,000 | 7,457 |
| Average equity | $3,509,000 | 7,342 |
| Average total loans | $14,380,000 | 7,431 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9446% | 2,065 |
| Cost of funding earning assets | 1.0195% | 7,173 |
| Net interest margin | 4.9251% | 529 |
| Noninterest income to average assets | 0.3811% | 5,363 |
| Noninterest expense to average assets | 2.6516% | 5,589 |
| Loan and lease loss provision to assets | 1.4857% | 1,550 |
| Net operating income to assets | 0.5814% | 3,399 |
| Return on assets (ROA) | -0.3973% | 6,065 |
| Pretax return on assets | -0.3973% | 5,912 |
| Return on Equity (ROE) | -3.3355% | 6,032 |
| Retained earnings to average equity (ytd only) | -4.8812% | 6,008 |
| Net charge-offs to loans | 2.0156% | 1,220 |
| Credit loss provision to net charge-offs | 156.4626% | 2,886 |
| Earnings coverage of net charge-offs (x) | 2.1769% | 4,089 |
| Efficiency ratio | 56.1944% | 6,996 |
| Assets per employee ($millions) | 4.9735% | 2,253 |
| Cash dividends to net income (ytd only)* | -46.3415% | 7,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7863% | 943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1293% | 4,828 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 48.0547% | 6,808 |
| Net loans and leases to deposits | 55.0374% | 6,983 |
| Net loans and leases to core deposits | 59.8897% | 7,266 |
| Total domestic deposits to total assets | 87.3128% | 2,314 |
| Equity capital to assets | 10.5023% | 3,178 |
| Core capital (leverage) ratio | 9.1662% | 4,172 |
| Tier 1 risk-based capital ratio | 12.3884% | 4,605 |
| Total risk-based capital ratio | 13.6524% | 4,561 |
| Memoranda: | ||
| Average total assets | $30,962,000 | 7,441 |
| Average earning assets | $27,268,600 | 7,450 |
| Average equity | $3,687,600 | 7,390 |
| Average total loans | $14,586,200 | 7,473 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9941% | 2,061 |
| Cost of funding earning assets | 1.0313% | 7,323 |
| Net interest margin | 4.9628% | 483 |
| Noninterest income to average assets | 0.3627% | 5,599 |
| Noninterest expense to average assets | 2.5648% | 5,837 |
| Loan and lease loss provision to assets | 1.9631% | 929 |
| Net operating income to assets | 0.2091% | 5,115 |
| Return on assets (ROA) | -0.6871% | 6,604 |
| Pretax return on assets | -0.6871% | 6,472 |
| Return on Equity (ROE) | -5.6106% | 6,515 |
| Retained earnings to average equity (ytd only) | -7.5970% | 6,557 |
| Net charge-offs to loans | 3.2725% | 488 |
| Credit loss provision to net charge-offs | 128.8515% | 3,891 |
| Earnings coverage of net charge-offs (x) | 1.4258% | 4,713 |
| Efficiency ratio | 54.1441% | 7,219 |
| Assets per employee ($millions) | 4.8872% | 2,282 |
| Cash dividends to net income (ytd only)* | -35.4048% | 7,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4177% | 1,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 4,826 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 48.0374% | 6,950 |
| Net loans and leases to deposits | 55.0191% | 7,145 |
| Net loans and leases to core deposits | 59.8564% | 7,405 |
| Total domestic deposits to total assets | 87.3103% | 2,009 |
| Equity capital to assets | 10.5037% | 3,510 |
| Core capital (leverage) ratio | 8.6350% | 5,249 |
| Tier 1 risk-based capital ratio | 12.2326% | 4,760 |
| Total risk-based capital ratio | 13.4785% | 4,708 |
| Memoranda: | ||
| Average total assets | $31,242,250 | 7,493 |
| Average earning assets | $27,537,750 | 7,514 |
| Average equity | $3,826,000 | 7,408 |
| Average total loans | $14,545,000 | 7,540 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9298% | 2,457 |
| Cost of funding earning assets | 1.0204% | 7,508 |
| Net interest margin | 4.9094% | 527 |
| Noninterest income to average assets | 0.3576% | 5,648 |
| Noninterest expense to average assets | 2.6159% | 5,679 |
| Loan and lease loss provision to assets | 2.8856% | 526 |
| Net operating income to assets | -0.8281% | 6,847 |
| Return on assets (ROA) | -0.7528% | 6,802 |
| Pretax return on assets | -0.7528% | 6,652 |
| Return on Equity (ROE) | -5.8900% | 6,700 |
| Retained earnings to average equity (ytd only) | -8.6878% | 6,739 |
| Net charge-offs to loans | 5.2532% | 234 |
| Credit loss provision to net charge-offs | 120.1044% | 3,868 |
| Earnings coverage of net charge-offs (x) | 0.8564% | 4,899 |
| Efficiency ratio | 55.9732% | 7,125 |
| Assets per employee ($millions) | 5.2107% | 1,845 |
| Cash dividends to net income (ytd only)* | -47.5000% | 8,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2504% | 1,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 4,855 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 44.8759% | 7,272 |
| Net loans and leases to deposits | 53.2933% | 7,321 |
| Net loans and leases to core deposits | 57.1790% | 7,546 |
| Total domestic deposits to total assets | 84.2055% | 3,644 |
| Equity capital to assets | 12.9670% | 1,706 |
| Core capital (leverage) ratio | 8.5188% | 5,413 |
| Tier 1 risk-based capital ratio | 13.1641% | 4,027 |
| Total risk-based capital ratio | 14.5204% | 3,878 |
| Memoranda: | ||
| Average total assets | $31,882,000 | 7,534 |
| Average earning assets | $28,028,000 | 7,560 |
| Average equity | $4,074,670 | 7,384 |
| Average total loans | $14,581,670 | 7,615 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9379% | 2,614 |
| Cost of funding earning assets | 1.0370% | 7,613 |
| Net interest margin | 4.9009% | 501 |
| Noninterest income to average assets | 0.3603% | 5,559 |
| Noninterest expense to average assets | 2.2864% | 6,580 |
| Loan and lease loss provision to assets | 4.7218% | 182 |
| Net operating income to assets | -2.3609% | 7,739 |
| Return on assets (ROA) | -2.3609% | 7,741 |
| Pretax return on assets | -2.3609% | 7,633 |
| Return on Equity (ROE) | -18.6047% | 7,723 |
| Retained earnings to average equity (ytd only) | -24.1860% | 7,751 |
| Net charge-offs to loans | 10.6696% | 56 |
| Credit loss provision to net charge-offs | 96.9388% | 3,862 |
| Earnings coverage of net charge-offs (x) | 0.4847% | 4,598 |
| Efficiency ratio | 49.1979% | 7,653 |
| Assets per employee ($millions) | 5.4517% | 1,607 |
| Cash dividends to net income (ytd only)* | -30.0000% | 8,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 2,309 |
| Loan loss allowance to noncurrent loans | 1,664.2857% | 262 |
| Noncurrent assets plus other real estate owned to assets | 1.0517% | 4,589 |
| Noncurrent loans to loans | 0.0993% | 7,244 |
| Net loans and leases to total assets | 42.3999% | 7,441 |
| Net loans and leases to deposits | 48.3426% | 7,564 |
| Net loans and leases to core deposits | 51.7500% | 7,736 |
| Total domestic deposits to total assets | 87.7071% | 1,883 |
| Equity capital to assets | 12.0391% | 2,234 |
| Core capital (leverage) ratio | 8.2755% | 5,950 |
| Tier 1 risk-based capital ratio | 12.6370% | 4,443 |
| Total risk-based capital ratio | 13.8138% | 4,428 |
| Memoranda: | ||
| Average total assets | $32,191,000 | 7,561 |
| Average earning assets | $28,158,000 | 7,605 |
| Average equity | $4,085,000 | 7,426 |
| Average total loans | $14,696,000 | 7,653 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9437% | 5,832 |
| Cost of funding earning assets | 1.6393% | 7,370 |
| Net interest margin | 4.3044% | 1,955 |
| Noninterest income to average assets | 0.4071% | 5,413 |
| Noninterest expense to average assets | 2.1294% | 7,159 |
| Loan and lease loss provision to assets | 1.0083% | 1,456 |
| Net operating income to assets | 1.0929% | 2,172 |
| Return on assets (ROA) | 0.9833% | 2,504 |
| Pretax return on assets | 0.9833% | 3,434 |
| Return on Equity (ROE) | 7.5484% | 3,261 |
| Retained earnings to average equity (ytd only) | 4.9522% | 2,058 |
| Net charge-offs to loans | 2.4215% | 410 |
| Credit loss provision to net charge-offs | 79.5062% | 5,910 |
| Earnings coverage of net charge-offs (x) | 1.6568% | 5,257 |
| Efficiency ratio | 50.3331% | 7,637 |
| Assets per employee ($millions) | 5.2787% | 1,663 |
| Cash dividends to net income (ytd only)* | 34.3949% | 3,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 2,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0419% | 4,215 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 47.4994% | 7,222 |
| Net loans and leases to deposits | 55.0135% | 7,380 |
| Net loans and leases to core deposits | 58.2198% | 7,658 |
| Total domestic deposits to total assets | 86.3412% | 2,242 |
| Equity capital to assets | 13.3620% | 1,646 |
| Core capital (leverage) ratio | 9.1551% | 4,518 |
| Tier 1 risk-based capital ratio | 14.1723% | 3,465 |
| Total risk-based capital ratio | 15.2649% | 3,459 |
| Memoranda: | ||
| Average total assets | $31,933,600 | 7,568 |
| Average earning assets | $28,366,000 | 7,597 |
| Average equity | $4,159,800 | 7,445 |
| Average total loans | $16,725,400 | 7,537 |