Home > First Tri County Bank > Performance and Condition Ratios
First Tri County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0764% | 3,845 |
| Cost of funding earning assets | 0.9535% | 3,401 |
| Net interest margin | 3.1229% | 3,043 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 2.6280% | 1,930 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2798% | 4,060 |
| Return on assets (ROA) | 0.2905% | 4,044 |
| Pretax return on assets | 0.4026% | 3,963 |
| Return on Equity (ROE) | 2.9100% | 4,033 |
| Retained earnings to average equity (ytd only) | -0.5417% | 4,143 |
| Net charge-offs to loans | -0.0620% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.9479% | 568 |
| Assets per employee ($millions) | 9.4661% | 840 |
| Cash dividends to net income (ytd only)* | 118.6047% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7772% | 4,015 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.9300% | 2,154 |
| Net loans and leases to deposits | 84.1580% | 1,767 |
| Net loans and leases to core deposits | 86.5212% | 2,274 |
| Total domestic deposits to total assets | 79.5300% | 3,534 |
| Equity capital to assets | 9.6344% | 2,251 |
| Core capital (leverage) ratio | 9.1992% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $74,010,400 | 4,080 |
| Average earning assets | $70,479,000 | 4,032 |
| Average equity | $7,383,800 | 4,001 |
| Average total loans | $50,018,600 | 3,843 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,859 |
| Cost of funding earning assets | 0.7993% | 3,517 |
| Net interest margin | 3.1916% | 2,937 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 2.4843% | 2,286 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4871% | 3,791 |
| Return on assets (ROA) | 0.5019% | 3,763 |
| Pretax return on assets | 0.6107% | 3,720 |
| Return on Equity (ROE) | 4.9900% | 3,806 |
| Retained earnings to average equity (ytd only) | 0.9362% | 3,964 |
| Net charge-offs to loans | -0.0590% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.3403% | 901 |
| Assets per employee ($millions) | 9.4494% | 796 |
| Cash dividends to net income (ytd only)* | 81.2274% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 4,066 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 67.6300% | 2,087 |
| Net loans and leases to deposits | 83.7626% | 1,758 |
| Net loans and leases to core deposits | 86.4994% | 2,158 |
| Total domestic deposits to total assets | 80.7400% | 3,425 |
| Equity capital to assets | 9.7731% | 1,947 |
| Core capital (leverage) ratio | 9.3943% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $73,580,750 | 4,102 |
| Average earning assets | $70,223,750 | 4,053 |
| Average equity | $7,405,750 | 4,003 |
| Average total loans | $49,752,750 | 3,853 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 3,905 |
| Cost of funding earning assets | 0.5796% | 3,808 |
| Net interest margin | 3.2999% | 2,748 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.3317% | 2,710 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.7790% | 3,145 |
| Return on assets (ROA) | 0.7790% | 3,158 |
| Pretax return on assets | 0.9025% | 3,158 |
| Return on Equity (ROE) | 7.6600% | 3,331 |
| Retained earnings to average equity (ytd only) | 1.5921% | 3,808 |
| Net charge-offs to loans | -0.0651% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.7905% | 1,577 |
| Assets per employee ($millions) | 9.1268% | 868 |
| Cash dividends to net income (ytd only)* | 79.2254% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7216% | 4,148 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 67.2700% | 2,036 |
| Net loans and leases to deposits | 79.9069% | 1,991 |
| Net loans and leases to core deposits | 82.3437% | 2,309 |
| Total domestic deposits to total assets | 84.1900% | 2,780 |
| Equity capital to assets | 10.1296% | 1,782 |
| Core capital (leverage) ratio | 9.6823% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $72,909,333 | 4,120 |
| Average earning assets | $69,699,333 | 4,079 |
| Average equity | $7,411,667 | 4,026 |
| Average total loans | $49,167,333 | 3,870 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 3,821 |
| Cost of funding earning assets | 0.3452% | 4,089 |
| Net interest margin | 3.4747% | 2,438 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.3498% | 2,671 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.9114% | 2,817 |
| Return on assets (ROA) | 0.9114% | 2,775 |
| Pretax return on assets | 1.0376% | 2,894 |
| Return on Equity (ROE) | 8.9500% | 3,064 |
| Retained earnings to average equity (ytd only) | 8.9494% | 1,967 |
| Net charge-offs to loans | -0.0979% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8103% | 1,886 |
| Assets per employee ($millions) | 10.1927% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7492% | 4,180 |
| Loan loss allowance to noncurrent loans | 8,825.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 3,838 |
| Noncurrent loans to loans | 0.0085% | 3,772 |
| Net loans and leases to total assets | 65.5400% | 2,106 |
| Net loans and leases to deposits | 73.3695% | 2,350 |
| Net loans and leases to core deposits | 74.7248% | 2,621 |
| Total domestic deposits to total assets | 89.3300% | 1,412 |
| Equity capital to assets | 10.5145% | 1,555 |
| Core capital (leverage) ratio | 9.6129% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $72,857,000 | 4,174 |
| Average earning assets | $69,531,500 | 4,138 |
| Average equity | $7,419,500 | 4,074 |
| Average total loans | $49,013,500 | 3,922 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3641% | 3,436 |
| Cost of funding earning assets | 0.2249% | 3,551 |
| Net interest margin | 3.1392% | 3,063 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.5393% | 1,995 |
| Loan and lease loss provision to assets | 0.8200% | 57 |
| Net operating income to assets | -0.0027% | 4,576 |
| Return on assets (ROA) | -0.0027% | 4,564 |
| Pretax return on assets | -0.0831% | 4,570 |
| Return on Equity (ROE) | -0.0300% | 4,547 |
| Retained earnings to average equity (ytd only) | -0.0284% | 4,362 |
| Net charge-offs to loans | 1.2900% | 54 |
| Credit loss provision to net charge-offs | 98.0392% | 1,576 |
| Earnings coverage of net charge-offs (x) | 0.8807% | 2,550 |
| Efficiency ratio | 77.5790% | 881 |
| Assets per employee ($millions) | 8.2628% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 4,270 |
| Loan loss allowance to noncurrent loans | 16,800.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,915 |
| Noncurrent loans to loans | 0.0039% | 3,854 |
| Net loans and leases to total assets | 68.0100% | 1,829 |
| Net loans and leases to deposits | 84.3600% | 1,440 |
| Net loans and leases to core deposits | 84.7843% | 1,827 |
| Total domestic deposits to total assets | 80.6100% | 3,804 |
| Equity capital to assets | 9.8662% | 1,777 |
| Core capital (leverage) ratio | 9.4403% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $73,444,400 | 4,203 |
| Average earning assets | $69,795,400 | 4,162 |
| Average equity | $7,051,800 | 4,206 |
| Average total loans | $47,442,800 | 3,936 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2571% | 3,297 |
| Cost of funding earning assets | 0.1840% | 3,466 |
| Net interest margin | 3.0731% | 3,010 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.4020% | 2,315 |
| Loan and lease loss provision to assets | 1.0900% | 36 |
| Net operating income to assets | -0.2804% | 4,655 |
| Return on assets (ROA) | -0.2804% | 4,636 |
| Pretax return on assets | -0.1985% | 4,617 |
| Return on Equity (ROE) | -2.9400% | 4,632 |
| Retained earnings to average equity (ytd only) | -2.9415% | 4,538 |
| Net charge-offs to loans | 1.7605% | 30 |
| Credit loss provision to net charge-offs | 97.5610% | 1,348 |
| Earnings coverage of net charge-offs (x) | 0.7984% | 2,287 |
| Efficiency ratio | 72.8729% | 1,396 |
| Assets per employee ($millions) | 7.3924% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 4,305 |
| Loan loss allowance to noncurrent loans | 3,027.2727% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 3,820 |
| Noncurrent loans to loans | 0.0221% | 3,745 |
| Net loans and leases to total assets | 66.8800% | 1,799 |
| Net loans and leases to deposits | 77.7893% | 1,734 |
| Net loans and leases to core deposits | 78.1582% | 2,028 |
| Total domestic deposits to total assets | 85.9700% | 3,071 |
| Equity capital to assets | 9.7194% | 1,760 |
| Core capital (leverage) ratio | 9.2229% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $73,214,250 | 4,235 |
| Average earning assets | $69,548,250 | 4,198 |
| Average equity | $6,980,500 | 4,256 |
| Average total loans | $46,576,250 | 3,973 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0999% | 3,305 |
| Cost of funding earning assets | 0.1965% | 2,962 |
| Net interest margin | 2.9035% | 3,162 |
| Noninterest income to average assets | 0.1315% | 4,346 |
| Noninterest expense to average assets | 2.2856% | 2,589 |
| Loan and lease loss provision to assets | 1.6443% | 22 |
| Net operating income to assets | -1.1675% | 4,720 |
| Return on assets (ROA) | -1.1675% | 4,715 |
| Pretax return on assets | -1.0442% | 4,704 |
| Return on Equity (ROE) | -12.3258% | 4,734 |
| Retained earnings to average equity (ytd only) | -12.3258% | 4,689 |
| Net charge-offs to loans | 2.7554% | 21 |
| Credit loss provision to net charge-offs | 95.6938% | 1,320 |
| Earnings coverage of net charge-offs (x) | 0.3493% | 2,098 |
| Efficiency ratio | 79.2023% | 1,007 |
| Assets per employee ($millions) | 7.5562% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6787% | 4,366 |
| Loan loss allowance to noncurrent loans | 5,350.0000% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,952 |
| Noncurrent loans to loans | 0.0127% | 3,882 |
| Net loans and leases to total assets | 62.1635% | 2,110 |
| Net loans and leases to deposits | 68.6133% | 2,334 |
| Net loans and leases to core deposits | 68.6133% | 2,595 |
| Total domestic deposits to total assets | 90.5998% | 1,416 |
| Equity capital to assets | 9.1488% | 2,284 |
| Core capital (leverage) ratio | 8.4974% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,977,667 | 4,283 |
| Average earning assets | $69,227,333 | 4,255 |
| Average equity | $6,912,333 | 4,328 |
| Average total loans | $45,511,000 | 4,038 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8713% | 3,607 |
| Cost of funding earning assets | 0.2231% | 2,481 |
| Net interest margin | 2.6482% | 3,528 |
| Noninterest income to average assets | 0.1730% | 4,131 |
| Noninterest expense to average assets | 2.3045% | 2,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2567% | 4,229 |
| Return on assets (ROA) | 0.2567% | 4,201 |
| Pretax return on assets | 0.3850% | 4,059 |
| Return on Equity (ROE) | 2.6620% | 4,159 |
| Retained earnings to average equity (ytd only) | 2.6620% | 3,374 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6846% | 753 |
| Assets per employee ($millions) | 7.7476% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 4,218 |
| Loan loss allowance to noncurrent loans | 11,600.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,056 |
| Noncurrent loans to loans | 0.0070% | 3,978 |
| Net loans and leases to total assets | 54.7008% | 2,666 |
| Net loans and leases to deposits | 60.6130% | 2,841 |
| Net loans and leases to core deposits | 60.6130% | 3,092 |
| Total domestic deposits to total assets | 90.2460% | 1,417 |
| Equity capital to assets | 9.5320% | 2,254 |
| Core capital (leverage) ratio | 9.3162% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,685,500 | 4,320 |
| Average earning assets | $68,121,500 | 4,290 |
| Average equity | $6,912,000 | 4,369 |
| Average total loans | $44,620,000 | 4,068 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 2,341 |
| Cost of funding earning assets | 0.3697% | 1,759 |
| Net interest margin | 3.2444% | 2,476 |
| Noninterest income to average assets | 0.1143% | 4,551 |
| Noninterest expense to average assets | 2.8240% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2702% | 4,458 |
| Return on assets (ROA) | 0.2702% | 4,478 |
| Pretax return on assets | 0.3653% | 4,425 |
| Return on Equity (ROE) | 2.8803% | 4,379 |
| Retained earnings to average equity (ytd only) | 1.2186% | 4,200 |
| Net charge-offs to loans | 0.0065% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 982 |
| Efficiency ratio | 88.5475% | 369 |
| Assets per employee ($millions) | 5.9905% | 2,783 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 4,355 |
| Loan loss allowance to noncurrent loans | 8,700.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,110 |
| Noncurrent loans to loans | 0.0086% | 4,041 |
| Net loans and leases to total assets | 70.0569% | 1,039 |
| Net loans and leases to deposits | 78.9088% | 1,304 |
| Net loans and leases to core deposits | 78.9088% | 1,685 |
| Total domestic deposits to total assets | 88.7822% | 1,623 |
| Equity capital to assets | 9.7716% | 2,877 |
| Core capital (leverage) ratio | 8.9415% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,350,800 | 4,367 |
| Average earning assets | $63,833,200 | 4,338 |
| Average equity | $6,318,800 | 4,497 |
| Average total loans | $46,390,200 | 4,064 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 2,215 |
| Cost of funding earning assets | 0.3955% | 1,725 |
| Net interest margin | 3.3262% | 2,342 |
| Noninterest income to average assets | 0.1142% | 4,603 |
| Noninterest expense to average assets | 2.4868% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6399% | 3,927 |
| Return on assets (ROA) | 0.6399% | 3,986 |
| Pretax return on assets | 0.7738% | 3,941 |
| Return on Equity (ROE) | 6.8904% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.7703% | 3,302 |
| Net charge-offs to loans | 0.0086% | 1,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 736 |
| Efficiency ratio | 76.2681% | 1,020 |
| Assets per employee ($millions) | 6.7290% | 2,068 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 4,486 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,086 |
| Noncurrent loans to loans | 0.0244% | 4,022 |
| Net loans and leases to total assets | 72.4610% | 826 |
| Net loans and leases to deposits | 81.3966% | 1,160 |
| Net loans and leases to core deposits | 81.3966% | 1,619 |
| Total domestic deposits to total assets | 89.0221% | 1,262 |
| Equity capital to assets | 9.4918% | 3,375 |
| Core capital (leverage) ratio | 8.5888% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,714,750 | 4,417 |
| Average earning assets | $64,055,750 | 4,392 |
| Average equity | $6,288,750 | 4,565 |
| Average total loans | $46,359,750 | 4,126 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 1,642 |
| Cost of funding earning assets | 0.4217% | 1,725 |
| Net interest margin | 3.5454% | 1,733 |
| Noninterest income to average assets | 0.1120% | 4,641 |
| Noninterest expense to average assets | 2.5112% | 2,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8135% | 3,468 |
| Return on assets (ROA) | 0.8135% | 3,542 |
| Pretax return on assets | 0.9461% | 3,554 |
| Return on Equity (ROE) | 8.8235% | 3,162 |
| Retained earnings to average equity (ytd only) | 5.6266% | 2,951 |
| Net charge-offs to loans | 0.0132% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 723 |
| Efficiency ratio | 72.6343% | 1,364 |
| Assets per employee ($millions) | 7.0788% | 1,746 |
| Cash dividends to net income (ytd only)* | 36.2319% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 4,447 |
| Loan loss allowance to noncurrent loans | 92.8000% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 1,569 |
| Noncurrent loans to loans | 0.8123% | 1,512 |
| Net loans and leases to total assets | 64.7214% | 1,864 |
| Net loans and leases to deposits | 72.3010% | 2,179 |
| Net loans and leases to core deposits | 72.3010% | 2,578 |
| Total domestic deposits to total assets | 89.5166% | 1,019 |
| Equity capital to assets | 8.9535% | 3,831 |
| Core capital (leverage) ratio | 8.3572% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,856,333 | 4,447 |
| Average earning assets | $64,027,000 | 4,417 |
| Average equity | $6,256,000 | 4,599 |
| Average total loans | $45,444,000 | 4,164 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 928 |
| Cost of funding earning assets | 0.4402% | 1,800 |
| Net interest margin | 3.9487% | 912 |
| Noninterest income to average assets | 0.1145% | 4,614 |
| Noninterest expense to average assets | 2.6088% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2351% | 2,025 |
| Return on assets (ROA) | 1.2351% | 2,112 |
| Pretax return on assets | 1.2351% | 2,747 |
| Return on Equity (ROE) | 13.1939% | 1,618 |
| Retained earnings to average equity (ytd only) | 6.7578% | 2,649 |
| Net charge-offs to loans | 0.0355% | 1,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 51.2500% | 886 |
| Efficiency ratio | 67.8683% | 1,949 |
| Assets per employee ($millions) | 6.3693% | 2,281 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 4,410 |
| Loan loss allowance to noncurrent loans | 348.0000% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 3,461 |
| Noncurrent loans to loans | 0.2298% | 3,278 |
| Net loans and leases to total assets | 61.6169% | 2,324 |
| Net loans and leases to deposits | 68.8001% | 2,619 |
| Net loans and leases to core deposits | 68.8001% | 2,987 |
| Total domestic deposits to total assets | 89.5592% | 1,045 |
| Equity capital to assets | 8.9449% | 3,737 |
| Core capital (leverage) ratio | 8.5081% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,390,500 | 4,475 |
| Average earning assets | $62,704,000 | 4,450 |
| Average equity | $6,215,000 | 4,622 |
| Average total loans | $45,084,500 | 4,186 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 1,945 |
| Cost of funding earning assets | 0.6741% | 1,854 |
| Net interest margin | 3.5998% | 2,140 |
| Noninterest income to average assets | 0.1132% | 4,700 |
| Noninterest expense to average assets | 3.1055% | 1,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3155% | 4,414 |
| Return on assets (ROA) | 0.3155% | 4,485 |
| Pretax return on assets | 0.3961% | 4,426 |
| Return on Equity (ROE) | 2.9598% | 4,392 |
| Retained earnings to average equity (ytd only) | 0.9491% | 4,243 |
| Net charge-offs to loans | -0.0043% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6876% | 422 |
| Assets per employee ($millions) | 5.7017% | 2,625 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7545% | 4,506 |
| Loan loss allowance to noncurrent loans | 977.7778% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 4,051 |
| Noncurrent loans to loans | 0.0772% | 3,985 |
| Net loans and leases to total assets | 73.8197% | 1,047 |
| Net loans and leases to deposits | 83.5285% | 1,501 |
| Net loans and leases to core deposits | 83.5285% | 2,080 |
| Total domestic deposits to total assets | 88.3767% | 1,290 |
| Equity capital to assets | 9.8264% | 3,287 |
| Core capital (leverage) ratio | 9.0356% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,316,000 | 4,536 |
| Average earning assets | $54,891,200 | 4,513 |
| Average equity | $6,216,600 | 4,617 |
| Average total loans | $46,994,000 | 4,164 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 1,710 |
| Cost of funding earning assets | 0.7011% | 2,018 |
| Net interest margin | 3.7456% | 1,779 |
| Noninterest income to average assets | 0.1258% | 4,664 |
| Noninterest expense to average assets | 2.7871% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7038% | 3,444 |
| Return on assets (ROA) | 0.7038% | 3,548 |
| Pretax return on assets | 0.8622% | 3,485 |
| Return on Equity (ROE) | 6.4632% | 3,387 |
| Retained earnings to average equity (ytd only) | 4.3231% | 2,883 |
| Net charge-offs to loans | -0.0057% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3729% | 1,173 |
| Assets per employee ($millions) | 5.5455% | 2,667 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 4,501 |
| Loan loss allowance to noncurrent loans | 293.3333% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 3,453 |
| Noncurrent loans to loans | 0.2528% | 3,397 |
| Net loans and leases to total assets | 77.2250% | 931 |
| Net loans and leases to deposits | 87.9816% | 1,488 |
| Net loans and leases to core deposits | 88.8931% | 2,076 |
| Total domestic deposits to total assets | 87.7740% | 1,309 |
| Equity capital to assets | 10.3359% | 2,934 |
| Core capital (leverage) ratio | 9.7886% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,215,250 | 4,565 |
| Average earning assets | $53,822,500 | 4,547 |
| Average equity | $6,230,000 | 4,637 |
| Average total loans | $47,079,750 | 4,184 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 1,606 |
| Cost of funding earning assets | 0.6936% | 2,428 |
| Net interest margin | 3.9251% | 1,514 |
| Noninterest income to average assets | 0.1215% | 4,696 |
| Noninterest expense to average assets | 2.8452% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7828% | 3,097 |
| Return on assets (ROA) | 0.7828% | 3,216 |
| Pretax return on assets | 0.9579% | 3,158 |
| Return on Equity (ROE) | 7.0588% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.0588% | 1,636 |
| Net charge-offs to loans | -0.0043% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8120% | 1,387 |
| Assets per employee ($millions) | 5.4045% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 4,487 |
| Loan loss allowance to noncurrent loans | 4,387.5000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,503 |
| Noncurrent loans to loans | 0.0169% | 4,437 |
| Net loans and leases to total assets | 79.1451% | 704 |
| Net loans and leases to deposits | 90.6361% | 1,291 |
| Net loans and leases to core deposits | 91.6013% | 1,941 |
| Total domestic deposits to total assets | 87.3219% | 1,488 |
| Equity capital to assets | 10.6343% | 2,634 |
| Core capital (leverage) ratio | 10.4161% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,953,333 | 4,600 |
| Average earning assets | $52,482,667 | 4,581 |
| Average equity | $6,205,000 | 4,661 |
| Average total loans | $46,953,000 | 4,192 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 1,878 |
| Cost of funding earning assets | 0.7318% | 2,774 |
| Net interest margin | 3.9110% | 1,639 |
| Noninterest income to average assets | 0.1550% | 4,600 |
| Noninterest expense to average assets | 3.0181% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6346% | 3,493 |
| Return on assets (ROA) | 0.6346% | 3,555 |
| Pretax return on assets | 0.8043% | 3,403 |
| Return on Equity (ROE) | 5.5967% | 3,451 |
| Retained earnings to average equity (ytd only) | 5.5967% | 2,031 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9575% | 1,241 |
| Assets per employee ($millions) | 4.5663% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7546% | 4,507 |
| Loan loss allowance to noncurrent loans | 7,000.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 4,599 |
| Noncurrent loans to loans | 0.0108% | 4,536 |
| Net loans and leases to total assets | 84.0058% | 263 |
| Net loans and leases to deposits | 97.1364% | 804 |
| Net loans and leases to core deposits | 98.2686% | 1,602 |
| Total domestic deposits to total assets | 86.4823% | 1,790 |
| Equity capital to assets | 11.2948% | 2,598 |
| Core capital (leverage) ratio | 10.4850% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4403% | 2,511 |
| Memoranda: | ||
| Average total assets | $54,205,500 | 4,636 |
| Average earning assets | $50,831,500 | 4,625 |
| Average equity | $6,146,500 | 4,702 |
| Average total loans | $46,728,500 | 4,215 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 2,133 |
| Cost of funding earning assets | 0.6845% | 3,236 |
| Net interest margin | 4.0868% | 1,579 |
| Noninterest income to average assets | 0.1793% | 4,593 |
| Noninterest expense to average assets | 3.4276% | 1,069 |
| Loan and lease loss provision to assets | 0.2303% | 834 |
| Net operating income to assets | 0.2246% | 4,823 |
| Return on assets (ROA) | 0.2246% | 4,845 |
| Pretax return on assets | 0.3303% | 4,791 |
| Return on Equity (ROE) | 1.9665% | 4,804 |
| Retained earnings to average equity (ytd only) | 1.9665% | 4,015 |
| Net charge-offs to loans | 0.1373% | 1,411 |
| Credit loss provision to net charge-offs | 193.6508% | 1,367 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 3,179 |
| Efficiency ratio | 85.9442% | 543 |
| Assets per employee ($millions) | 4.1243% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7435% | 4,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 87.1494% | 115 |
| Net loans and leases to deposits | 100.9114% | 533 |
| Net loans and leases to core deposits | 102.1132% | 1,398 |
| Total domestic deposits to total assets | 86.3623% | 1,904 |
| Equity capital to assets | 11.3847% | 2,639 |
| Core capital (leverage) ratio | 10.3440% | 3,144 |
| Tier 1 risk-based capital ratio | 12.4900% | 4,072 |
| Total risk-based capital ratio | 13.2666% | 4,225 |
| Memoranda: | ||
| Average total assets | $52,981,800 | 4,701 |
| Average earning assets | $49,378,800 | 4,685 |
| Average equity | $6,051,400 | 4,749 |
| Average total loans | $45,900,600 | 4,263 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 2,442 |
| Cost of funding earning assets | 0.6122% | 3,635 |
| Net interest margin | 4.0793% | 1,673 |
| Noninterest income to average assets | 0.1590% | 4,753 |
| Noninterest expense to average assets | 3.0516% | 1,822 |
| Loan and lease loss provision to assets | 0.2827% | 531 |
| Net operating income to assets | 0.4846% | 4,558 |
| Return on assets (ROA) | 0.4846% | 4,601 |
| Pretax return on assets | 0.6260% | 4,499 |
| Return on Equity (ROE) | 4.2395% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.2395% | 3,276 |
| Net charge-offs to loans | 0.1842% | 936 |
| Credit loss provision to net charge-offs | 177.7778% | 1,442 |
| Earnings coverage of net charge-offs (x) | 5.7142% | 2,897 |
| Efficiency ratio | 77.0554% | 1,211 |
| Assets per employee ($millions) | 4.5924% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 4,629 |
| Loan loss allowance to noncurrent loans | 92.3913% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 2,019 |
| Noncurrent loans to loans | 0.7698% | 2,046 |
| Net loans and leases to total assets | 86.1239% | 185 |
| Net loans and leases to deposits | 104.0172% | 414 |
| Net loans and leases to core deposits | 106.1339% | 1,172 |
| Total domestic deposits to total assets | 82.7977% | 3,228 |
| Equity capital to assets | 11.2087% | 2,914 |
| Core capital (leverage) ratio | 10.7796% | 2,861 |
| Tier 1 risk-based capital ratio | 12.5305% | 4,121 |
| Total risk-based capital ratio | 13.2777% | 4,296 |
| Memoranda: | ||
| Average total assets | $52,823,250 | 4,774 |
| Average earning assets | $49,222,500 | 4,752 |
| Average equity | $6,038,250 | 4,813 |
| Average total loans | $45,606,750 | 4,322 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 2,703 |
| Cost of funding earning assets | 0.5588% | 3,843 |
| Net interest margin | 4.0319% | 1,825 |
| Noninterest income to average assets | 0.1575% | 4,792 |
| Noninterest expense to average assets | 3.0541% | 1,854 |
| Loan and lease loss provision to assets | 0.4303% | 283 |
| Net operating income to assets | 0.2804% | 4,900 |
| Return on assets (ROA) | 0.2804% | 4,910 |
| Pretax return on assets | 0.4149% | 4,813 |
| Return on Equity (ROE) | 2.4366% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.4366% | 3,966 |
| Net charge-offs to loans | 0.2808% | 602 |
| Credit loss provision to net charge-offs | 177.7778% | 1,327 |
| Earnings coverage of net charge-offs (x) | 3.4921% | 2,838 |
| Efficiency ratio | 78.3251% | 1,108 |
| Assets per employee ($millions) | 5.1822% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7533% | 4,592 |
| Loan loss allowance to noncurrent loans | 5,666.6667% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,740 |
| Noncurrent loans to loans | 0.0133% | 4,659 |
| Net loans and leases to total assets | 86.4363% | 183 |
| Net loans and leases to deposits | 98.7304% | 773 |
| Net loans and leases to core deposits | 100.7467% | 1,653 |
| Total domestic deposits to total assets | 87.5478% | 1,316 |
| Equity capital to assets | 11.6881% | 2,456 |
| Core capital (leverage) ratio | 10.9323% | 2,660 |
| Tier 1 risk-based capital ratio | 12.9063% | 3,885 |
| Total risk-based capital ratio | 13.6923% | 4,042 |
| Memoranda: | ||
| Average total assets | $52,061,330 | 4,820 |
| Average earning assets | $48,315,000 | 4,804 |
| Average equity | $5,992,000 | 4,852 |
| Average total loans | $44,875,000 | 4,369 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 3,062 |
| Cost of funding earning assets | 0.5215% | 3,968 |
| Net interest margin | 3.9236% | 2,118 |
| Noninterest income to average assets | 0.1686% | 4,728 |
| Noninterest expense to average assets | 3.2042% | 1,483 |
| Loan and lease loss provision to assets | 0.8586% | 109 |
| Net operating income to assets | -0.3756% | 5,238 |
| Return on assets (ROA) | -0.3756% | 5,234 |
| Pretax return on assets | -0.2606% | 5,208 |
| Return on Equity (ROE) | -3.2889% | 5,243 |
| Retained earnings to average equity (ytd only) | -3.2889% | 4,832 |
| Net charge-offs to loans | 0.5632% | 268 |
| Credit loss provision to net charge-offs | 177.7778% | 1,124 |
| Earnings coverage of net charge-offs (x) | 1.2381% | 2,611 |
| Efficiency ratio | 84.2742% | 691 |
| Assets per employee ($millions) | 5.1713% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 4,605 |
| Loan loss allowance to noncurrent loans | 2,266.6667% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 4,705 |
| Noncurrent loans to loans | 0.0340% | 4,617 |
| Net loans and leases to total assets | 84.6383% | 317 |
| Net loans and leases to deposits | 96.0352% | 961 |
| Net loans and leases to core deposits | 97.9852% | 1,775 |
| Total domestic deposits to total assets | 88.1326% | 1,266 |
| Equity capital to assets | 11.4768% | 2,419 |
| Core capital (leverage) ratio | 10.5186% | 3,031 |
| Tier 1 risk-based capital ratio | 12.7412% | 4,016 |
| Total risk-based capital ratio | 13.5346% | 4,164 |
| Memoranda: | ||
| Average total assets | $52,181,000 | 4,869 |
| Average earning assets | $48,322,500 | 4,851 |
| Average equity | $5,959,500 | 4,896 |
| Average total loans | $44,746,000 | 4,416 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 2,534 |
| Cost of funding earning assets | 0.3896% | 4,049 |
| Net interest margin | 4.0846% | 1,733 |
| Noninterest income to average assets | 0.1632% | 4,905 |
| Noninterest expense to average assets | 3.2481% | 1,434 |
| Loan and lease loss provision to assets | 0.0649% | 2,855 |
| Net operating income to assets | 0.4730% | 4,721 |
| Return on assets (ROA) | 0.4730% | 4,722 |
| Pretax return on assets | 0.6622% | 4,505 |
| Return on Equity (ROE) | 4.2668% | 4,637 |
| Retained earnings to average equity (ytd only) | 1.2549% | 4,631 |
| Net charge-offs to loans | 0.0133% | 3,236 |
| Credit loss provision to net charge-offs | 583.3333% | 604 |
| Earnings coverage of net charge-offs (x) | 65.3333% | 973 |
| Efficiency ratio | 81.7079% | 826 |
| Assets per employee ($millions) | 5.2649% | 2,188 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6390% | 4,908 |
| Loan loss allowance to noncurrent loans | 9,666.6667% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,891 |
| Noncurrent loans to loans | 0.0066% | 4,790 |
| Net loans and leases to total assets | 85.6484% | 259 |
| Net loans and leases to deposits | 98.7539% | 831 |
| Net loans and leases to core deposits | 100.7507% | 1,664 |
| Total domestic deposits to total assets | 86.7291% | 1,903 |
| Equity capital to assets | 11.3658% | 2,354 |
| Core capital (leverage) ratio | 10.5363% | 2,982 |
| Tier 1 risk-based capital ratio | 12.6116% | 4,068 |
| Total risk-based capital ratio | 13.2755% | 4,302 |
| Memoranda: | ||
| Average total assets | $53,909,200 | 4,872 |
| Average earning assets | $50,310,800 | 4,849 |
| Average equity | $5,976,400 | 4,902 |
| Average total loans | $45,231,000 | 4,430 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 2,746 |
| Cost of funding earning assets | 0.3572% | 4,136 |
| Net interest margin | 4.0077% | 1,931 |
| Noninterest income to average assets | 0.1967% | 4,800 |
| Noninterest expense to average assets | 2.7613% | 2,773 |
| Loan and lease loss provision to assets | 0.0861% | 2,250 |
| Net operating income to assets | 0.9909% | 3,117 |
| Return on assets (ROA) | 0.9909% | 3,127 |
| Pretax return on assets | 1.1016% | 3,399 |
| Return on Equity (ROE) | 8.9936% | 3,092 |
| Retained earnings to average equity (ytd only) | 5.3114% | 3,055 |
| Net charge-offs to loans | -0.0856% | 5,119 |
| Credit loss provision to net charge-offs | -120.6897% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9253% | 2,196 |
| Assets per employee ($millions) | 5.4079% | 2,011 |
| Cash dividends to net income (ytd only)* | 40.9421% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 4,856 |
| Loan loss allowance to noncurrent loans | 509.3750% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 4,385 |
| Noncurrent loans to loans | 0.1394% | 4,258 |
| Net loans and leases to total assets | 84.2638% | 428 |
| Net loans and leases to deposits | 96.4770% | 1,095 |
| Net loans and leases to core deposits | 98.3574% | 1,906 |
| Total domestic deposits to total assets | 87.3407% | 1,579 |
| Equity capital to assets | 11.3649% | 2,346 |
| Core capital (leverage) ratio | 10.6568% | 2,927 |
| Tier 1 risk-based capital ratio | 12.8292% | 4,001 |
| Total risk-based capital ratio | 13.5666% | 4,198 |
| Memoranda: | ||
| Average total assets | $54,224,250 | 4,923 |
| Average earning assets | $50,767,500 | 4,894 |
| Average equity | $5,974,500 | 4,952 |
| Average total loans | $45,193,000 | 4,477 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 2,734 |
| Cost of funding earning assets | 0.3383% | 4,145 |
| Net interest margin | 3.9692% | 1,962 |
| Noninterest income to average assets | 0.2027% | 4,804 |
| Noninterest expense to average assets | 2.6201% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1903% | 2,238 |
| Return on assets (ROA) | 1.1903% | 2,237 |
| Pretax return on assets | 1.3008% | 2,511 |
| Return on Equity (ROE) | 10.9171% | 2,144 |
| Retained earnings to average equity (ytd only) | 5.3402% | 2,914 |
| Net charge-offs to loans | -0.0133% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8233% | 2,851 |
| Assets per employee ($millions) | 5.3815% | 2,006 |
| Cash dividends to net income (ytd only)* | 51.0836% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5905% | 5,119 |
| Loan loss allowance to noncurrent loans | 114.7186% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 3,009 |
| Noncurrent loans to loans | 0.5147% | 2,877 |
| Net loans and leases to total assets | 82.8988% | 590 |
| Net loans and leases to deposits | 93.6676% | 1,395 |
| Net loans and leases to core deposits | 95.4758% | 2,106 |
| Total domestic deposits to total assets | 88.5032% | 1,141 |
| Equity capital to assets | 11.0880% | 2,551 |
| Core capital (leverage) ratio | 10.4218% | 3,113 |
| Tier 1 risk-based capital ratio | 12.6865% | 4,068 |
| Total risk-based capital ratio | 13.2987% | 4,339 |
| Memoranda: | ||
| Average total assets | $54,272,670 | 4,974 |
| Average earning assets | $50,841,330 | 4,952 |
| Average equity | $5,917,330 | 5,015 |
| Average total loans | $44,959,000 | 4,525 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 2,638 |
| Cost of funding earning assets | 0.3218% | 4,190 |
| Net interest margin | 3.9476% | 1,874 |
| Noninterest income to average assets | 0.1835% | 4,927 |
| Noninterest expense to average assets | 2.6495% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2257% | 1,907 |
| Return on assets (ROA) | 1.2257% | 1,917 |
| Pretax return on assets | 1.2257% | 2,659 |
| Return on Equity (ROE) | 11.3364% | 1,842 |
| Retained earnings to average equity (ytd only) | 11.3364% | 820 |
| Net charge-offs to loans | -0.0178% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3712% | 2,769 |
| Assets per employee ($millions) | 5.4578% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 5,175 |
| Loan loss allowance to noncurrent loans | 160.9756% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 3,645 |
| Noncurrent loans to loans | 0.3756% | 3,440 |
| Net loans and leases to total assets | 79.5174% | 1,010 |
| Net loans and leases to deposits | 89.7267% | 1,723 |
| Net loans and leases to core deposits | 91.4298% | 2,340 |
| Total domestic deposits to total assets | 88.6218% | 1,297 |
| Equity capital to assets | 10.9495% | 2,636 |
| Core capital (leverage) ratio | 10.1038% | 3,423 |
| Tier 1 risk-based capital ratio | 12.8375% | 4,044 |
| Total risk-based capital ratio | 13.4536% | 4,329 |
| Memoranda: | ||
| Average total assets | $54,501,500 | 5,032 |
| Average earning assets | $50,968,000 | 5,009 |
| Average equity | $5,892,500 | 5,071 |
| Average total loans | $45,000,000 | 4,567 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,559 |
| Cost of funding earning assets | 0.2801% | 4,309 |
| Net interest margin | 3.9554% | 1,900 |
| Noninterest income to average assets | 0.1881% | 5,012 |
| Noninterest expense to average assets | 3.3926% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4450% | 4,552 |
| Return on assets (ROA) | 0.4450% | 4,577 |
| Pretax return on assets | 0.5288% | 4,881 |
| Return on Equity (ROE) | 4.1196% | 4,467 |
| Retained earnings to average equity (ytd only) | 1.1893% | 4,552 |
| Net charge-offs to loans | 0.1215% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 5.2593% | 3,357 |
| Efficiency ratio | 86.5147% | 612 |
| Assets per employee ($millions) | 5.4425% | 1,993 |
| Cash dividends to net income (ytd only)* | 71.1297% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5654% | 5,303 |
| Loan loss allowance to noncurrent loans | 1,746.6667% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 5,010 |
| Noncurrent loans to loans | 0.0324% | 4,865 |
| Net loans and leases to total assets | 84.6578% | 377 |
| Net loans and leases to deposits | 97.3937% | 952 |
| Net loans and leases to core deposits | 99.2803% | 1,771 |
| Total domestic deposits to total assets | 86.9233% | 2,033 |
| Equity capital to assets | 10.6734% | 2,970 |
| Core capital (leverage) ratio | 9.8138% | 3,684 |
| Tier 1 risk-based capital ratio | 11.9567% | 4,560 |
| Total risk-based capital ratio | 12.5440% | 4,859 |
| Memoranda: | ||
| Average total assets | $53,704,800 | 5,083 |
| Average earning assets | $50,690,800 | 5,046 |
| Average equity | $5,801,600 | 5,131 |
| Average total loans | $44,446,600 | 4,607 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 2,732 |
| Cost of funding earning assets | 0.2684% | 4,423 |
| Net interest margin | 3.8971% | 2,050 |
| Noninterest income to average assets | 0.1644% | 5,195 |
| Noninterest expense to average assets | 3.0714% | 1,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6601% | 4,156 |
| Return on assets (ROA) | 0.6601% | 4,209 |
| Pretax return on assets | 0.7822% | 4,398 |
| Return on Equity (ROE) | 6.0920% | 4,083 |
| Retained earnings to average equity (ytd only) | 2.5287% | 4,381 |
| Net charge-offs to loans | -0.0091% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7027% | 1,144 |
| Assets per employee ($millions) | 5.3843% | 2,031 |
| Cash dividends to net income (ytd only)* | 58.4909% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7014% | 5,134 |
| Loan loss allowance to noncurrent loans | 390.2439% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 4,509 |
| Noncurrent loans to loans | 0.1797% | 4,348 |
| Net loans and leases to total assets | 84.1354% | 421 |
| Net loans and leases to deposits | 96.4528% | 1,072 |
| Net loans and leases to core deposits | 98.3329% | 1,860 |
| Total domestic deposits to total assets | 87.2295% | 1,763 |
| Equity capital to assets | 10.8649% | 3,001 |
| Core capital (leverage) ratio | 10.1394% | 3,393 |
| Tier 1 risk-based capital ratio | 12.3837% | 4,390 |
| Total risk-based capital ratio | 13.1209% | 4,592 |
| Memoranda: | ||
| Average total assets | $53,524,750 | 5,149 |
| Average earning assets | $50,669,250 | 5,105 |
| Average equity | $5,799,750 | 5,190 |
| Average total loans | $43,974,000 | 4,660 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1456% | 2,688 |
| Cost of funding earning assets | 0.2653% | 4,415 |
| Net interest margin | 3.8803% | 1,997 |
| Noninterest income to average assets | 0.1722% | 5,190 |
| Noninterest expense to average assets | 3.0626% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6215% | 4,206 |
| Return on assets (ROA) | 0.6215% | 4,252 |
| Pretax return on assets | 0.7788% | 4,345 |
| Return on Equity (ROE) | 5.7410% | 4,162 |
| Retained earnings to average equity (ytd only) | 1.4179% | 4,682 |
| Net charge-offs to loans | -0.0138% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7271% | 1,241 |
| Assets per employee ($millions) | 4.8682% | 2,558 |
| Cash dividends to net income (ytd only)* | 75.3012% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7210% | 5,156 |
| Loan loss allowance to noncurrent loans | 1,386.9565% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 5,067 |
| Noncurrent loans to loans | 0.0520% | 4,931 |
| Net loans and leases to total assets | 82.0299% | 662 |
| Net loans and leases to deposits | 92.5851% | 1,419 |
| Net loans and leases to core deposits | 94.9219% | 2,076 |
| Total domestic deposits to total assets | 88.5994% | 1,159 |
| Equity capital to assets | 10.7955% | 3,038 |
| Core capital (leverage) ratio | 10.1698% | 3,313 |
| Tier 1 risk-based capital ratio | 12.5274% | 4,289 |
| Total risk-based capital ratio | 13.2806% | 4,498 |
| Memoranda: | ||
| Average total assets | $53,418,670 | 5,184 |
| Average earning assets | $50,511,000 | 5,149 |
| Average equity | $5,783,000 | 5,223 |
| Average total loans | $43,425,000 | 4,704 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 2,870 |
| Cost of funding earning assets | 0.2629% | 4,428 |
| Net interest margin | 3.7835% | 2,174 |
| Noninterest income to average assets | 0.2024% | 5,056 |
| Noninterest expense to average assets | 2.9389% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6673% | 3,845 |
| Return on assets (ROA) | 0.6673% | 3,886 |
| Pretax return on assets | 0.8247% | 4,015 |
| Return on Equity (ROE) | 6.1549% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.1549% | 2,248 |
| Net charge-offs to loans | -0.0093% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0876% | 1,615 |
| Assets per employee ($millions) | 4.8260% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 5,165 |
| Loan loss allowance to noncurrent loans | 31,700.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,378 |
| Noncurrent loans to loans | 0.0024% | 5,269 |
| Net loans and leases to total assets | 77.5873% | 1,189 |
| Net loans and leases to deposits | 87.6415% | 1,846 |
| Net loans and leases to core deposits | 89.8713% | 2,360 |
| Total domestic deposits to total assets | 88.5280% | 1,407 |
| Equity capital to assets | 10.9784% | 2,645 |
| Core capital (leverage) ratio | 9.8566% | 3,685 |
| Tier 1 risk-based capital ratio | 13.1821% | 3,967 |
| Total risk-based capital ratio | 13.9628% | 4,153 |
| Memoranda: | ||
| Average total assets | $53,353,000 | 5,239 |
| Average earning assets | $50,217,500 | 5,207 |
| Average equity | $5,784,000 | 5,272 |
| Average total loans | $43,014,500 | 4,751 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 2,694 |
| Cost of funding earning assets | 0.2672% | 4,396 |
| Net interest margin | 3.8731% | 2,052 |
| Noninterest income to average assets | 0.1485% | 5,455 |
| Noninterest expense to average assets | 3.3112% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3533% | 5,075 |
| Return on assets (ROA) | 0.3533% | 5,160 |
| Pretax return on assets | 0.4867% | 5,049 |
| Return on Equity (ROE) | 3.2647% | 5,080 |
| Retained earnings to average equity (ytd only) | 1.5281% | 4,651 |
| Net charge-offs to loans | -0.0091% | 4,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1846% | 738 |
| Assets per employee ($millions) | 4.8745% | 2,538 |
| Cash dividends to net income (ytd only)* | 53.1915% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 5,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 82.4468% | 545 |
| Net loans and leases to deposits | 94.6091% | 1,130 |
| Net loans and leases to core deposits | 97.0261% | 1,835 |
| Total domestic deposits to total assets | 87.1447% | 2,062 |
| Equity capital to assets | 10.7050% | 2,919 |
| Core capital (leverage) ratio | 9.7350% | 3,815 |
| Tier 1 risk-based capital ratio | 12.3716% | 4,461 |
| Total risk-based capital ratio | 13.1142% | 4,709 |
| Memoranda: | ||
| Average total assets | $53,212,800 | 5,279 |
| Average earning assets | $50,140,600 | 5,246 |
| Average equity | $5,758,600 | 5,322 |
| Average total loans | $43,912,400 | 4,756 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 2,841 |
| Cost of funding earning assets | 0.2653% | 4,444 |
| Net interest margin | 3.8444% | 2,180 |
| Noninterest income to average assets | 0.1682% | 5,425 |
| Noninterest expense to average assets | 2.8317% | 2,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8159% | 3,293 |
| Return on assets (ROA) | 0.8159% | 3,429 |
| Pretax return on assets | 0.9740% | 3,722 |
| Return on Equity (ROE) | 7.5187% | 3,284 |
| Retained earnings to average equity (ytd only) | 5.2052% | 2,695 |
| Net charge-offs to loans | -0.0091% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4063% | 2,202 |
| Assets per employee ($millions) | 4.8108% | 2,600 |
| Cash dividends to net income (ytd only)* | 30.7694% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 5,396 |
| Loan loss allowance to noncurrent loans | 3,937.5000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 5,460 |
| Noncurrent loans to loans | 0.0182% | 5,322 |
| Net loans and leases to total assets | 82.6830% | 549 |
| Net loans and leases to deposits | 93.5356% | 1,314 |
| Net loans and leases to core deposits | 95.9203% | 1,996 |
| Total domestic deposits to total assets | 88.3974% | 1,190 |
| Equity capital to assets | 11.1057% | 2,915 |
| Core capital (leverage) ratio | 10.3663% | 3,140 |
| Tier 1 risk-based capital ratio | 12.8985% | 4,223 |
| Total risk-based capital ratio | 13.6506% | 4,435 |
| Memoranda: | ||
| Average total assets | $53,111,000 | 5,339 |
| Average earning assets | $50,254,000 | 5,293 |
| Average equity | $5,763,250 | 5,378 |
| Average total loans | $43,759,500 | 4,792 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 2,954 |
| Cost of funding earning assets | 0.2669% | 4,481 |
| Net interest margin | 3.8120% | 2,265 |
| Noninterest income to average assets | 0.1730% | 5,457 |
| Noninterest expense to average assets | 2.7983% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8162% | 3,239 |
| Return on assets (ROA) | 0.8162% | 3,374 |
| Pretax return on assets | 0.9741% | 3,682 |
| Return on Equity (ROE) | 7.5803% | 3,217 |
| Retained earnings to average equity (ytd only) | 4.0871% | 3,301 |
| Net charge-offs to loans | -0.0092% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1775% | 2,330 |
| Assets per employee ($millions) | 4.8005% | 2,559 |
| Cash dividends to net income (ytd only)* | 46.0829% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 5,430 |
| Loan loss allowance to noncurrent loans | 221.1268% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 4,419 |
| Noncurrent loans to loans | 0.3355% | 4,160 |
| Net loans and leases to total assets | 79.5554% | 976 |
| Net loans and leases to deposits | 89.8168% | 1,774 |
| Net loans and leases to core deposits | 92.1050% | 2,343 |
| Total domestic deposits to total assets | 88.5752% | 1,128 |
| Equity capital to assets | 10.9268% | 3,140 |
| Core capital (leverage) ratio | 10.2269% | 3,302 |
| Tier 1 risk-based capital ratio | 12.9024% | 4,257 |
| Total risk-based capital ratio | 13.6675% | 4,494 |
| Memoranda: | ||
| Average total assets | $53,175,000 | 5,396 |
| Average earning assets | $50,210,000 | 5,351 |
| Average equity | $5,725,330 | 5,440 |
| Average total loans | $43,656,000 | 4,840 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 2,891 |
| Cost of funding earning assets | 0.2714% | 4,482 |
| Net interest margin | 3.8159% | 2,235 |
| Noninterest income to average assets | 0.1949% | 5,341 |
| Noninterest expense to average assets | 2.8711% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7496% | 3,485 |
| Return on assets (ROA) | 0.7496% | 3,591 |
| Pretax return on assets | 0.9071% | 3,820 |
| Return on Equity (ROE) | 7.0139% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.0139% | 1,880 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9921% | 2,178 |
| Assets per employee ($millions) | 4.7293% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7299% | 5,542 |
| Loan loss allowance to noncurrent loans | 234.5865% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 4,539 |
| Noncurrent loans to loans | 0.3111% | 4,315 |
| Net loans and leases to total assets | 81.5732% | 618 |
| Net loans and leases to deposits | 92.3365% | 1,299 |
| Net loans and leases to core deposits | 94.7274% | 1,911 |
| Total domestic deposits to total assets | 88.3434% | 1,441 |
| Equity capital to assets | 11.0588% | 2,876 |
| Core capital (leverage) ratio | 9.8194% | 3,750 |
| Tier 1 risk-based capital ratio | 12.7722% | 4,416 |
| Total risk-based capital ratio | 13.5272% | 4,637 |
| Memoranda: | ||
| Average total assets | $53,359,500 | 5,442 |
| Average earning assets | $50,105,500 | 5,402 |
| Average equity | $5,703,000 | 5,472 |
| Average total loans | $44,322,000 | 4,860 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 3,621 |
| Cost of funding earning assets | 0.2659% | 4,636 |
| Net interest margin | 3.6580% | 2,908 |
| Noninterest income to average assets | 0.1535% | 5,649 |
| Noninterest expense to average assets | 3.0760% | 2,308 |
| Loan and lease loss provision to assets | 0.0542% | 3,232 |
| Net operating income to assets | 0.3143% | 5,321 |
| Return on assets (ROA) | 0.3143% | 5,404 |
| Pretax return on assets | 0.4768% | 5,160 |
| Return on Equity (ROE) | 3.0586% | 5,285 |
| Retained earnings to average equity (ytd only) | -0.0176% | 5,516 |
| Net charge-offs to loans | 0.0023% | 4,394 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 294.0000% | 243 |
| Efficiency ratio | 85.2779% | 1,065 |
| Assets per employee ($millions) | 4.9725% | 2,400 |
| Cash dividends to net income (ytd only)* | 100.5747% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 5,676 |
| Loan loss allowance to noncurrent loans | 233.8346% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 4,625 |
| Noncurrent loans to loans | 0.2898% | 4,424 |
| Net loans and leases to total assets | 83.3410% | 447 |
| Net loans and leases to deposits | 96.4578% | 966 |
| Net loans and leases to core deposits | 98.8807% | 1,602 |
| Total domestic deposits to total assets | 86.4014% | 2,429 |
| Equity capital to assets | 10.3351% | 3,585 |
| Core capital (leverage) ratio | 9.5342% | 4,126 |
| Tier 1 risk-based capital ratio | 11.7789% | 5,087 |
| Total risk-based capital ratio | 12.4864% | 5,302 |
| Memoranda: | ||
| Average total assets | $55,363,800 | 5,423 |
| Average earning assets | $52,269,000 | 5,379 |
| Average equity | $5,688,800 | 5,505 |
| Average total loans | $43,190,000 | 4,886 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 4,059 |
| Cost of funding earning assets | 0.2638% | 4,733 |
| Net interest margin | 3.5459% | 3,357 |
| Noninterest income to average assets | 0.1561% | 5,709 |
| Noninterest expense to average assets | 2.6819% | 3,624 |
| Loan and lease loss provision to assets | 0.0240% | 3,796 |
| Net operating income to assets | 0.6555% | 4,101 |
| Return on assets (ROA) | 0.6555% | 4,216 |
| Pretax return on assets | 0.8067% | 4,317 |
| Return on Equity (ROE) | 6.3883% | 3,965 |
| Retained earnings to average equity (ytd only) | 2.2932% | 4,742 |
| Net charge-offs to loans | -0.0157% | 5,120 |
| Credit loss provision to net charge-offs | -200.0000% | 5,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3500% | 2,189 |
| Assets per employee ($millions) | 4.9205% | 2,396 |
| Cash dividends to net income (ytd only)* | 64.1034% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6782% | 5,773 |
| Loan loss allowance to noncurrent loans | 188.6076% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 4,600 |
| Noncurrent loans to loans | 0.3596% | 4,328 |
| Net loans and leases to total assets | 80.6374% | 734 |
| Net loans and leases to deposits | 90.7531% | 1,558 |
| Net loans and leases to core deposits | 92.9903% | 2,172 |
| Total domestic deposits to total assets | 88.8536% | 1,095 |
| Equity capital to assets | 10.6273% | 3,437 |
| Core capital (leverage) ratio | 9.6804% | 4,054 |
| Tier 1 risk-based capital ratio | 12.4602% | 4,786 |
| Total risk-based capital ratio | 13.1638% | 5,053 |
| Memoranda: | ||
| Average total assets | $55,530,500 | 5,486 |
| Average earning assets | $52,565,750 | 5,440 |
| Average equity | $5,697,750 | 5,571 |
| Average total loans | $42,513,500 | 4,969 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7049% | 4,391 |
| Cost of funding earning assets | 0.2609% | 4,821 |
| Net interest margin | 3.4441% | 3,741 |
| Noninterest income to average assets | 0.1750% | 5,650 |
| Noninterest expense to average assets | 2.7250% | 3,512 |
| Loan and lease loss provision to assets | 0.0357% | 3,413 |
| Net operating income to assets | 0.5179% | 4,692 |
| Return on assets (ROA) | 0.5179% | 4,796 |
| Pretax return on assets | 0.6679% | 4,764 |
| Return on Equity (ROE) | 5.1059% | 4,569 |
| Retained earnings to average equity (ytd only) | 0.7043% | 5,274 |
| Net charge-offs to loans | -0.0143% | 5,041 |
| Credit loss provision to net charge-offs | -333.3333% | 5,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4792% | 1,842 |
| Assets per employee ($millions) | 5.0920% | 2,152 |
| Cash dividends to net income (ytd only)* | 86.2069% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 5,785 |
| Loan loss allowance to noncurrent loans | 100.3390% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 3,855 |
| Noncurrent loans to loans | 0.7113% | 3,357 |
| Net loans and leases to total assets | 73.5128% | 1,741 |
| Net loans and leases to deposits | 82.2402% | 2,525 |
| Net loans and leases to core deposits | 84.1821% | 2,968 |
| Total domestic deposits to total assets | 89.3880% | 956 |
| Equity capital to assets | 10.1282% | 3,898 |
| Core capital (leverage) ratio | 9.4550% | 4,332 |
| Tier 1 risk-based capital ratio | 12.5930% | 4,748 |
| Total risk-based capital ratio | 13.3101% | 5,003 |
| Memoranda: | ||
| Average total assets | $55,999,000 | 5,536 |
| Average earning assets | $52,902,670 | 5,489 |
| Average equity | $5,679,670 | 5,628 |
| Average total loans | $42,037,000 | 5,029 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 4,603 |
| Cost of funding earning assets | 0.2580% | 4,927 |
| Net interest margin | 3.3694% | 3,952 |
| Noninterest income to average assets | 0.1929% | 5,552 |
| Noninterest expense to average assets | 2.7932% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4215% | 4,988 |
| Return on assets (ROA) | 0.4215% | 5,110 |
| Pretax return on assets | 0.5715% | 4,993 |
| Return on Equity (ROE) | 4.1527% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.1527% | 3,514 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0149% | 1,491 |
| Assets per employee ($millions) | 5.0835% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 5,875 |
| Loan loss allowance to noncurrent loans | 212.7820% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 4,982 |
| Noncurrent loans to loans | 0.3360% | 4,583 |
| Net loans and leases to total assets | 70.2856% | 2,100 |
| Net loans and leases to deposits | 78.6910% | 2,715 |
| Net loans and leases to core deposits | 80.5505% | 3,099 |
| Total domestic deposits to total assets | 89.3185% | 1,084 |
| Equity capital to assets | 10.2166% | 3,864 |
| Core capital (leverage) ratio | 9.2973% | 4,576 |
| Tier 1 risk-based capital ratio | 13.5541% | 4,299 |
| Total risk-based capital ratio | 14.2865% | 4,497 |
| Memoranda: | ||
| Average total assets | $55,992,500 | 5,588 |
| Average earning assets | $52,709,000 | 5,539 |
| Average equity | $5,683,000 | 5,680 |
| Average total loans | $42,319,500 | 5,056 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7374% | 4,688 |
| Cost of funding earning assets | 0.2692% | 5,108 |
| Net interest margin | 3.4681% | 3,906 |
| Noninterest income to average assets | 0.1495% | 5,947 |
| Noninterest expense to average assets | 2.9157% | 3,097 |
| Loan and lease loss provision to assets | 0.0264% | 4,080 |
| Net operating income to assets | 0.3042% | 5,505 |
| Return on assets (ROA) | 0.3042% | 5,578 |
| Pretax return on assets | 0.4695% | 5,327 |
| Return on Equity (ROE) | 3.0664% | 5,458 |
| Retained earnings to average equity (ytd only) | 0.8508% | 5,390 |
| Net charge-offs to loans | 0.2466% | 1,736 |
| Credit loss provision to net charge-offs | 14.5631% | 4,048 |
| Earnings coverage of net charge-offs (x) | 2.7379% | 4,077 |
| Efficiency ratio | 85.4639% | 1,236 |
| Assets per employee ($millions) | 5.0969% | 2,193 |
| Cash dividends to net income (ytd only)* | 72.2543% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6281% | 6,104 |
| Loan loss allowance to noncurrent loans | 212.7820% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 5,072 |
| Noncurrent loans to loans | 0.2952% | 4,792 |
| Net loans and leases to total assets | 79.8523% | 753 |
| Net loans and leases to deposits | 89.1744% | 1,598 |
| Net loans and leases to core deposits | 91.2686% | 2,160 |
| Total domestic deposits to total assets | 89.5462% | 951 |
| Equity capital to assets | 10.0828% | 4,006 |
| Core capital (leverage) ratio | 9.2716% | 4,568 |
| Tier 1 risk-based capital ratio | 11.9141% | 5,420 |
| Total risk-based capital ratio | 12.5653% | 5,682 |
| Memoranda: | ||
| Average total assets | $56,864,600 | 5,628 |
| Average earning assets | $53,486,800 | 5,579 |
| Average equity | $5,641,800 | 5,706 |
| Average total loans | $41,765,600 | 5,116 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 4,932 |
| Cost of funding earning assets | 0.2695% | 5,206 |
| Net interest margin | 3.4023% | 4,233 |
| Noninterest income to average assets | 0.1612% | 5,947 |
| Noninterest expense to average assets | 2.5608% | 4,316 |
| Loan and lease loss provision to assets | 0.0350% | 3,703 |
| Net operating income to assets | 0.4463% | 5,087 |
| Return on assets (ROA) | 0.4463% | 5,165 |
| Pretax return on assets | 0.7804% | 4,426 |
| Return on Equity (ROE) | 4.5160% | 4,961 |
| Retained earnings to average equity (ytd only) | 1.5606% | 5,263 |
| Net charge-offs to loans | 0.3354% | 1,196 |
| Credit loss provision to net charge-offs | 14.5631% | 3,639 |
| Earnings coverage of net charge-offs (x) | 3.3883% | 3,670 |
| Efficiency ratio | 75.8478% | 2,515 |
| Assets per employee ($millions) | 5.3017% | 1,900 |
| Cash dividends to net income (ytd only)* | 65.4441% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 6,120 |
| Loan loss allowance to noncurrent loans | 210.3704% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 5,290 |
| Noncurrent loans to loans | 0.3271% | 4,928 |
| Net loans and leases to total assets | 70.2790% | 2,150 |
| Net loans and leases to deposits | 78.1579% | 2,935 |
| Net loans and leases to core deposits | 80.3364% | 3,280 |
| Total domestic deposits to total assets | 89.9192% | 775 |
| Equity capital to assets | 9.7258% | 4,522 |
| Core capital (leverage) ratio | 9.1199% | 4,896 |
| Tier 1 risk-based capital ratio | 12.7531% | 5,005 |
| Total risk-based capital ratio | 13.4500% | 5,285 |
| Memoranda: | ||
| Average total assets | $57,064,250 | 5,690 |
| Average earning assets | $53,922,250 | 5,635 |
| Average equity | $5,639,000 | 5,760 |
| Average total loans | $40,943,750 | 5,196 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 5,021 |
| Cost of funding earning assets | 0.2724% | 5,264 |
| Net interest margin | 3.3737% | 4,294 |
| Noninterest income to average assets | 0.1695% | 5,939 |
| Noninterest expense to average assets | 2.5315% | 4,480 |
| Loan and lease loss provision to assets | 0.0530% | 3,243 |
| Net operating income to assets | 0.3213% | 5,490 |
| Return on assets (ROA) | 0.3213% | 5,568 |
| Pretax return on assets | 0.7768% | 4,357 |
| Return on Equity (ROE) | 3.2338% | 5,446 |
| Retained earnings to average equity (ytd only) | -1.2082% | 5,888 |
| Net charge-offs to loans | 0.4800% | 835 |
| Credit loss provision to net charge-offs | 15.3061% | 3,250 |
| Earnings coverage of net charge-offs (x) | 2.3980% | 3,558 |
| Efficiency ratio | 75.3151% | 2,755 |
| Assets per employee ($millions) | 5.2129% | 1,955 |
| Cash dividends to net income (ytd only)* | 137.3626% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 6,128 |
| Loan loss allowance to noncurrent loans | 123.0769% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 4,790 |
| Noncurrent loans to loans | 0.5926% | 4,248 |
| Net loans and leases to total assets | 68.3565% | 2,360 |
| Net loans and leases to deposits | 76.0560% | 3,049 |
| Net loans and leases to core deposits | 78.2110% | 3,415 |
| Total domestic deposits to total assets | 89.8765% | 867 |
| Equity capital to assets | 9.7154% | 4,467 |
| Core capital (leverage) ratio | 8.8649% | 5,214 |
| Tier 1 risk-based capital ratio | 13.0119% | 4,902 |
| Total risk-based capital ratio | 13.7473% | 5,154 |
| Memoranda: | ||
| Average total assets | $56,646,000 | 5,746 |
| Average earning assets | $53,591,000 | 5,699 |
| Average equity | $5,628,000 | 5,800 |
| Average total loans | $40,835,000 | 5,237 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6819% | 4,909 |
| Cost of funding earning assets | 0.2786% | 5,296 |
| Net interest margin | 3.4033% | 4,100 |
| Noninterest income to average assets | 0.1776% | 5,902 |
| Noninterest expense to average assets | 2.5862% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7318% | 3,534 |
| Return on assets (ROA) | 0.7318% | 3,613 |
| Pretax return on assets | 0.8029% | 4,100 |
| Return on Equity (ROE) | 7.2837% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.2837% | 1,913 |
| Net charge-offs to loans | 0.3662% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.9737% | 2,757 |
| Efficiency ratio | 76.3103% | 2,747 |
| Assets per employee ($millions) | 5.2528% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 5,944 |
| Loan loss allowance to noncurrent loans | 482.6087% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 5,892 |
| Noncurrent loans to loans | 0.1807% | 5,553 |
| Net loans and leases to total assets | 65.5008% | 2,636 |
| Net loans and leases to deposits | 73.1329% | 3,185 |
| Net loans and leases to core deposits | 75.1917% | 3,507 |
| Total domestic deposits to total assets | 89.5640% | 1,336 |
| Equity capital to assets | 9.8787% | 3,980 |
| Core capital (leverage) ratio | 8.9422% | 5,088 |
| Tier 1 risk-based capital ratio | 13.8501% | 4,436 |
| Total risk-based capital ratio | 14.7315% | 4,639 |
| Memoranda: | ||
| Average total assets | $56,298,000 | 5,802 |
| Average earning assets | $53,125,000 | 5,758 |
| Average equity | $5,656,500 | 5,828 |
| Average total loans | $41,510,000 | 5,257 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 3,330 |
| Cost of funding earning assets | 0.3154% | 5,465 |
| Net interest margin | 3.8898% | 2,326 |
| Noninterest income to average assets | 0.1749% | 6,043 |
| Noninterest expense to average assets | 2.8792% | 3,433 |
| Loan and lease loss provision to assets | 0.0893% | 3,329 |
| Net operating income to assets | 0.5534% | 4,487 |
| Return on assets (ROA) | 0.5534% | 4,615 |
| Pretax return on assets | 0.8390% | 4,001 |
| Return on Equity (ROE) | 5.5131% | 4,386 |
| Retained earnings to average equity (ytd only) | 2.3119% | 4,604 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6212% | 2,841 |
| Assets per employee ($millions) | 4.9832% | 2,195 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 6,107 |
| Loan loss allowance to noncurrent loans | 200.5405% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 5,254 |
| Noncurrent loans to loans | 0.4126% | 4,974 |
| Net loans and leases to total assets | 81.1256% | 481 |
| Net loans and leases to deposits | 90.9461% | 1,161 |
| Net loans and leases to core deposits | 93.6544% | 1,623 |
| Total domestic deposits to total assets | 89.2019% | 1,487 |
| Equity capital to assets | 10.2253% | 3,477 |
| Core capital (leverage) ratio | 9.3937% | 4,420 |
| Tier 1 risk-based capital ratio | 12.1022% | 5,558 |
| Total risk-based capital ratio | 12.9774% | 5,721 |
| Memoranda: | ||
| Average total assets | $56,021,800 | 5,870 |
| Average earning assets | $52,316,200 | 5,827 |
| Average equity | $5,623,000 | 5,899 |
| Average total loans | $44,353,600 | 5,173 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 3,323 |
| Cost of funding earning assets | 0.3191% | 5,560 |
| Net interest margin | 3.8972% | 2,286 |
| Noninterest income to average assets | 0.1728% | 6,153 |
| Noninterest expense to average assets | 2.4808% | 4,784 |
| Loan and lease loss provision to assets | 0.1184% | 2,819 |
| Net operating income to assets | 0.9942% | 2,398 |
| Return on assets (ROA) | 0.9942% | 2,488 |
| Pretax return on assets | 1.2168% | 2,632 |
| Return on Equity (ROE) | 9.9510% | 2,202 |
| Retained earnings to average equity (ytd only) | 7.3446% | 1,711 |
| Net charge-offs to loans | -0.0211% | 6,053 |
| Credit loss provision to net charge-offs | -714.2857% | 6,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0124% | 4,645 |
| Assets per employee ($millions) | 4.9418% | 2,251 |
| Cash dividends to net income (ytd only)* | 26.1898% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 6,180 |
| Loan loss allowance to noncurrent loans | 206.5574% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 5,400 |
| Noncurrent loans to loans | 0.4130% | 5,161 |
| Net loans and leases to total assets | 80.8186% | 471 |
| Net loans and leases to deposits | 91.1341% | 1,052 |
| Net loans and leases to core deposits | 93.8840% | 1,586 |
| Total domestic deposits to total assets | 88.6810% | 1,732 |
| Equity capital to assets | 10.6402% | 3,122 |
| Core capital (leverage) ratio | 9.7243% | 4,069 |
| Tier 1 risk-based capital ratio | 12.6912% | 5,333 |
| Total risk-based capital ratio | 13.5949% | 5,484 |
| Memoranda: | ||
| Average total assets | $56,323,500 | 5,924 |
| Average earning assets | $52,651,250 | 5,879 |
| Average equity | $5,627,500 | 5,965 |
| Average total loans | $44,232,000 | 5,232 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 3,483 |
| Cost of funding earning assets | 0.3284% | 5,579 |
| Net interest margin | 3.8388% | 2,414 |
| Noninterest income to average assets | 0.1720% | 6,180 |
| Noninterest expense to average assets | 2.4711% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0460% | 2,132 |
| Return on assets (ROA) | 1.0460% | 2,253 |
| Pretax return on assets | 1.2707% | 2,402 |
| Return on Equity (ROE) | 10.6900% | 1,930 |
| Retained earnings to average equity (ytd only) | 6.7440% | 2,010 |
| Net charge-offs to loans | -0.0317% | 6,116 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0413% | 4,539 |
| Assets per employee ($millions) | 5.5852% | 1,509 |
| Cash dividends to net income (ytd only)* | 36.9128% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 6,434 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 5,384 |
| Noncurrent loans to loans | 0.4678% | 5,087 |
| Net loans and leases to total assets | 77.8701% | 763 |
| Net loans and leases to deposits | 87.3158% | 1,425 |
| Net loans and leases to core deposits | 89.8558% | 1,920 |
| Total domestic deposits to total assets | 89.1821% | 1,518 |
| Equity capital to assets | 10.1393% | 3,734 |
| Core capital (leverage) ratio | 9.4132% | 4,369 |
| Tier 1 risk-based capital ratio | 12.5211% | 5,479 |
| Total risk-based capital ratio | 13.3127% | 5,710 |
| Memoranda: | ||
| Average total assets | $56,978,000 | 5,945 |
| Average earning assets | $52,984,670 | 5,898 |
| Average equity | $5,575,330 | 6,027 |
| Average total loans | $44,205,670 | 5,257 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,871 |
| Cost of funding earning assets | 0.3394% | 5,641 |
| Net interest margin | 3.7255% | 2,752 |
| Noninterest income to average assets | 0.1738% | 6,216 |
| Noninterest expense to average assets | 2.5443% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7925% | 3,207 |
| Return on assets (ROA) | 0.7925% | 3,341 |
| Pretax return on assets | 1.0636% | 3,095 |
| Return on Equity (ROE) | 8.2437% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.2437% | 1,664 |
| Net charge-offs to loans | -0.0541% | 6,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5202% | 3,888 |
| Assets per employee ($millions) | 5.1132% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 6,509 |
| Loan loss allowance to noncurrent loans | 289.3805% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 5,961 |
| Noncurrent loans to loans | 0.2648% | 5,748 |
| Net loans and leases to total assets | 75.2956% | 924 |
| Net loans and leases to deposits | 84.2149% | 1,571 |
| Net loans and leases to core deposits | 87.0897% | 1,999 |
| Total domestic deposits to total assets | 89.4088% | 1,411 |
| Equity capital to assets | 9.9369% | 4,229 |
| Core capital (leverage) ratio | 8.9496% | 4,972 |
| Tier 1 risk-based capital ratio | 12.6343% | 5,484 |
| Total risk-based capital ratio | 13.4422% | 5,754 |
| Memoranda: | ||
| Average total assets | $57,541,000 | 5,977 |
| Average earning assets | $53,040,000 | 5,943 |
| Average equity | $5,531,500 | 6,093 |
| Average total loans | $44,398,500 | 5,285 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 3,358 |
| Cost of funding earning assets | 0.4913% | 5,281 |
| Net interest margin | 4.0181% | 2,321 |
| Noninterest income to average assets | 0.2152% | 5,886 |
| Noninterest expense to average assets | 2.8615% | 3,805 |
| Loan and lease loss provision to assets | 0.0356% | 5,445 |
| Net operating income to assets | 0.6811% | 3,829 |
| Return on assets (ROA) | 0.6936% | 4,029 |
| Pretax return on assets | 1.0759% | 3,252 |
| Return on Equity (ROE) | 7.4413% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.4413% | 1,360 |
| Net charge-offs to loans | 0.3894% | 2,695 |
| Credit loss provision to net charge-offs | 12.1212% | 5,374 |
| Earnings coverage of net charge-offs (x) | 3.7212% | 3,625 |
| Efficiency ratio | 72.3797% | 3,345 |
| Assets per employee ($millions) | 5.3488% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6938% | 6,646 |
| Loan loss allowance to noncurrent loans | 214.7651% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 5,913 |
| Noncurrent loans to loans | 0.3231% | 5,677 |
| Net loans and leases to total assets | 77.8422% | 699 |
| Net loans and leases to deposits | 92.4916% | 873 |
| Net loans and leases to core deposits | 96.4353% | 1,268 |
| Total domestic deposits to total assets | 84.1613% | 4,248 |
| Equity capital to assets | 9.3037% | 5,149 |
| Core capital (leverage) ratio | 9.0728% | 4,779 |
| Tier 1 risk-based capital ratio | 11.5857% | 6,039 |
| Total risk-based capital ratio | 12.3273% | 6,282 |
| Memoranda: | ||
| Average total assets | $56,229,600 | 6,020 |
| Average earning assets | $52,313,400 | 5,972 |
| Average equity | $5,241,000 | 6,227 |
| Average total loans | $42,373,800 | 5,403 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 3,691 |
| Cost of funding earning assets | 0.5203% | 5,305 |
| Net interest margin | 3.9661% | 2,646 |
| Noninterest income to average assets | 0.2063% | 6,054 |
| Noninterest expense to average assets | 2.4781% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2466% | 1,584 |
| Return on assets (ROA) | 1.2691% | 1,676 |
| Pretax return on assets | 1.4850% | 1,935 |
| Return on Equity (ROE) | 13.6090% | 1,196 |
| Retained earnings to average equity (ytd only) | 13.6090% | 338 |
| Net charge-offs to loans | 0.5052% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.8726% | 3,481 |
| Efficiency ratio | 62.9494% | 4,986 |
| Assets per employee ($millions) | 5.0168% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 6,707 |
| Loan loss allowance to noncurrent loans | 225.5474% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 6,079 |
| Noncurrent loans to loans | 0.3227% | 5,833 |
| Net loans and leases to total assets | 76.3668% | 915 |
| Net loans and leases to deposits | 85.4793% | 1,663 |
| Net loans and leases to core deposits | 89.1331% | 2,093 |
| Total domestic deposits to total assets | 89.3395% | 1,221 |
| Equity capital to assets | 10.1712% | 4,243 |
| Core capital (leverage) ratio | 9.1870% | 4,783 |
| Tier 1 risk-based capital ratio | 12.9011% | 5,329 |
| Total risk-based capital ratio | 13.6770% | 5,661 |
| Memoranda: | ||
| Average total assets | $55,577,750 | 6,107 |
| Average earning assets | $52,275,500 | 6,046 |
| Average equity | $5,182,750 | 6,314 |
| Average total loans | $41,437,250 | 5,505 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 4,228 |
| Cost of funding earning assets | 0.5520% | 5,294 |
| Net interest margin | 3.8377% | 3,189 |
| Noninterest income to average assets | 0.1939% | 6,170 |
| Noninterest expense to average assets | 2.4341% | 5,347 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3427% | 1,323 |
| Return on assets (ROA) | 1.3427% | 1,482 |
| Pretax return on assets | 1.3786% | 2,299 |
| Return on Equity (ROE) | 14.8432% | 961 |
| Retained earnings to average equity (ytd only) | 14.8432% | 291 |
| Net charge-offs to loans | 0.7153% | 1,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.6122% | 3,697 |
| Efficiency ratio | 63.8418% | 4,920 |
| Assets per employee ($millions) | 5.6449% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 6,724 |
| Loan loss allowance to noncurrent loans | 362.5000% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 6,405 |
| Noncurrent loans to loans | 0.2140% | 6,155 |
| Net loans and leases to total assets | 72.2918% | 1,516 |
| Net loans and leases to deposits | 80.0204% | 2,378 |
| Net loans and leases to core deposits | 83.3139% | 2,782 |
| Total domestic deposits to total assets | 90.3417% | 740 |
| Equity capital to assets | 9.3146% | 5,298 |
| Core capital (leverage) ratio | 8.5316% | 5,610 |
| Tier 1 risk-based capital ratio | 12.1597% | 5,824 |
| Total risk-based capital ratio | 12.9706% | 6,079 |
| Memoranda: | ||
| Average total assets | $55,708,670 | 6,143 |
| Average earning assets | $52,531,670 | 6,077 |
| Average equity | $5,039,330 | 6,378 |
| Average total loans | $41,099,000 | 5,547 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 4,038 |
| Cost of funding earning assets | 0.5864% | 5,242 |
| Net interest margin | 3.8813% | 2,999 |
| Noninterest income to average assets | 0.2313% | 5,971 |
| Noninterest expense to average assets | 2.4215% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3734% | 1,270 |
| Return on assets (ROA) | 1.3734% | 1,421 |
| Pretax return on assets | 1.4456% | 2,035 |
| Return on Equity (ROE) | 15.4158% | 905 |
| Retained earnings to average equity (ytd only) | 15.4158% | 413 |
| Net charge-offs to loans | 0.2239% | 2,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.6957% | 1,927 |
| Efficiency ratio | 62.6168% | 5,170 |
| Assets per employee ($millions) | 5.1241% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 5,743 |
| Loan loss allowance to noncurrent loans | 93.2632% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 4,846 |
| Noncurrent loans to loans | 1.2248% | 4,289 |
| Net loans and leases to total assets | 68.0174% | 2,112 |
| Net loans and leases to deposits | 75.0401% | 2,968 |
| Net loans and leases to core deposits | 78.5164% | 3,257 |
| Total domestic deposits to total assets | 90.6414% | 720 |
| Equity capital to assets | 9.0038% | 5,486 |
| Core capital (leverage) ratio | 8.1589% | 6,084 |
| Tier 1 risk-based capital ratio | 12.2611% | 5,786 |
| Total risk-based capital ratio | 13.4419% | 5,805 |
| Memoranda: | ||
| Average total assets | $55,338,500 | 6,194 |
| Average earning assets | $51,838,000 | 6,136 |
| Average equity | $4,930,000 | 6,444 |
| Average total loans | $41,085,000 | 5,598 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 3,065 |
| Cost of funding earning assets | 0.8306% | 4,620 |
| Net interest margin | 4.1313% | 2,303 |
| Noninterest income to average assets | 0.2445% | 5,792 |
| Noninterest expense to average assets | 2.6611% | 4,884 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9592% | 2,364 |
| Return on assets (ROA) | 0.9592% | 2,497 |
| Pretax return on assets | 1.4724% | 1,556 |
| Return on Equity (ROE) | 11.3646% | 1,596 |
| Retained earnings to average equity (ytd only) | 11.3646% | 362 |
| Net charge-offs to loans | 0.0545% | 5,775 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 34.3043% | 756 |
| Efficiency ratio | 64.3792% | 5,058 |
| Assets per employee ($millions) | 4.9375% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 5,909 |
| Loan loss allowance to noncurrent loans | 109.1335% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7862% | 5,061 |
| Noncurrent loans to loans | 0.9841% | 4,741 |
| Net loans and leases to total assets | 79.0304% | 606 |
| Net loans and leases to deposits | 87.0049% | 1,525 |
| Net loans and leases to core deposits | 91.1762% | 1,966 |
| Total domestic deposits to total assets | 90.8344% | 570 |
| Equity capital to assets | 8.8102% | 5,782 |
| Core capital (leverage) ratio | 7.9327% | 6,322 |
| Tier 1 risk-based capital ratio | 10.5697% | 6,656 |
| Total risk-based capital ratio | 11.7125% | 6,681 |
| Memoranda: | ||
| Average total assets | $53,586,800 | 6,244 |
| Average earning assets | $50,444,200 | 6,175 |
| Average equity | $4,522,800 | 6,586 |
| Average total loans | $42,217,600 | 5,597 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 3,452 |
| Cost of funding earning assets | 0.8862% | 4,499 |
| Net interest margin | 4.0396% | 2,734 |
| Noninterest income to average assets | 0.2571% | 5,785 |
| Noninterest expense to average assets | 2.2719% | 6,113 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4979% | 936 |
| Return on assets (ROA) | 1.4979% | 1,018 |
| Pretax return on assets | 1.7975% | 961 |
| Return on Equity (ROE) | 17.9478% | 462 |
| Retained earnings to average equity (ytd only) | 17.9478% | 115 |
| Net charge-offs to loans | 0.0922% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 24.8249% | 1,067 |
| Efficiency ratio | 55.8282% | 6,305 |
| Assets per employee ($millions) | 4.5072% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 5,993 |
| Loan loss allowance to noncurrent loans | 127.0718% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 5,467 |
| Noncurrent loans to loans | 0.8414% | 5,192 |
| Net loans and leases to total assets | 78.7006% | 640 |
| Net loans and leases to deposits | 86.6360% | 1,601 |
| Net loans and leases to core deposits | 90.7958% | 2,149 |
| Total domestic deposits to total assets | 90.8405% | 496 |
| Equity capital to assets | 8.8193% | 5,958 |
| Core capital (leverage) ratio | 7.8626% | 6,518 |
| Tier 1 risk-based capital ratio | 10.5799% | 6,743 |
| Total risk-based capital ratio | 11.7130% | 6,777 |
| Memoranda: | ||
| Average total assets | $53,405,500 | 6,301 |
| Average earning assets | $50,400,000 | 6,228 |
| Average equity | $4,457,250 | 6,660 |
| Average total loans | $41,924,750 | 5,652 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 3,650 |
| Cost of funding earning assets | 0.9469% | 4,341 |
| Net interest margin | 3.9474% | 3,099 |
| Noninterest income to average assets | 0.2407% | 5,926 |
| Noninterest expense to average assets | 2.2377% | 6,282 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2674% | 1,402 |
| Return on assets (ROA) | 1.2674% | 1,467 |
| Pretax return on assets | 1.7187% | 1,014 |
| Return on Equity (ROE) | 15.4836% | 721 |
| Retained earnings to average equity (ytd only) | 15.4836% | 222 |
| Net charge-offs to loans | 0.1155% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 19.0417% | 1,231 |
| Efficiency ratio | 56.5589% | 6,353 |
| Assets per employee ($millions) | 4.9995% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,823 |
| Loan loss allowance to noncurrent loans | 247.3404% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 6,274 |
| Noncurrent loans to loans | 0.4573% | 5,999 |
| Net loans and leases to total assets | 73.9153% | 1,435 |
| Net loans and leases to deposits | 80.8163% | 2,641 |
| Net loans and leases to core deposits | 83.7192% | 3,254 |
| Total domestic deposits to total assets | 91.4609% | 351 |
| Equity capital to assets | 8.1954% | 6,520 |
| Core capital (leverage) ratio | 7.4606% | 6,770 |
| Tier 1 risk-based capital ratio | 10.2598% | 6,891 |
| Total risk-based capital ratio | 11.4430% | 6,901 |
| Memoranda: | ||
| Average total assets | $53,178,670 | 6,363 |
| Average earning assets | $50,057,670 | 6,291 |
| Average equity | $4,353,000 | 6,729 |
| Average total loans | $41,557,670 | 5,727 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 3,432 |
| Cost of funding earning assets | 0.9872% | 4,289 |
| Net interest margin | 3.9405% | 2,951 |
| Noninterest income to average assets | 0.1990% | 6,298 |
| Noninterest expense to average assets | 2.2039% | 6,415 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6147% | 667 |
| Return on assets (ROA) | 1.6147% | 706 |
| Pretax return on assets | 1.6912% | 1,000 |
| Return on Equity (ROE) | 19.7381% | 344 |
| Retained earnings to average equity (ytd only) | 19.7381% | 170 |
| Net charge-offs to loans | 0.2298% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.2083% | 1,746 |
| Efficiency ratio | 56.5815% | 6,436 |
| Assets per employee ($millions) | 5.4291% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,837 |
| Loan loss allowance to noncurrent loans | 172.2222% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 5,979 |
| Noncurrent loans to loans | 0.6693% | 5,694 |
| Net loans and leases to total assets | 73.4468% | 1,427 |
| Net loans and leases to deposits | 80.3445% | 2,648 |
| Net loans and leases to core deposits | 82.4034% | 3,398 |
| Total domestic deposits to total assets | 91.4148% | 439 |
| Equity capital to assets | 8.0713% | 6,422 |
| Core capital (leverage) ratio | 7.4345% | 6,767 |
| Tier 1 risk-based capital ratio | 10.0049% | 7,003 |
| Total risk-based capital ratio | 11.1956% | 7,023 |
| Memoranda: | ||
| Average total assets | $52,271,000 | 6,446 |
| Average earning assets | $49,029,000 | 6,378 |
| Average equity | $4,276,000 | 6,784 |
| Average total loans | $41,779,500 | 5,772 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7496% | 1,405 |
| Cost of funding earning assets | 1.3477% | 3,589 |
| Net interest margin | 4.4019% | 1,466 |
| Noninterest income to average assets | 0.3487% | 5,307 |
| Noninterest expense to average assets | 2.9187% | 4,147 |
| Loan and lease loss provision to assets | 0.2359% | 4,922 |
| Net operating income to assets | 0.8430% | 2,622 |
| Return on assets (ROA) | 0.8430% | 2,757 |
| Pretax return on assets | 1.2943% | 1,942 |
| Return on Equity (ROE) | 10.0725% | 1,900 |
| Retained earnings to average equity (ytd only) | 1.7400% | 4,639 |
| Net charge-offs to loans | 0.0581% | 6,209 |
| Credit loss provision to net charge-offs | 479.1667% | 477 |
| Earnings coverage of net charge-offs (x) | 31.0833% | 710 |
| Efficiency ratio | 65.6063% | 5,043 |
| Assets per employee ($millions) | 5.0251% | 2,123 |
| Cash dividends to net income (ytd only)* | 82.7251% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 5,819 |
| Loan loss allowance to noncurrent loans | 138.5269% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.7025% | 5,596 |
| Noncurrent loans to loans | 0.8168% | 5,417 |
| Net loans and leases to total assets | 85.0331% | 236 |
| Net loans and leases to deposits | 93.5482% | 1,100 |
| Net loans and leases to core deposits | 96.1500% | 1,997 |
| Total domestic deposits to total assets | 90.8977% | 650 |
| Equity capital to assets | 8.2983% | 6,150 |
| Core capital (leverage) ratio | 7.1714% | 6,926 |
| Tier 1 risk-based capital ratio | 9.0435% | 7,238 |
| Total risk-based capital ratio | 10.2403% | 7,254 |
| Memoranda: | ||
| Average total assets | $48,753,800 | 6,585 |
| Average earning assets | $45,412,200 | 6,524 |
| Average equity | $4,080,400 | 6,969 |
| Average total loans | $41,284,000 | 5,872 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7971% | 1,403 |
| Cost of funding earning assets | 1.4085% | 3,530 |
| Net interest margin | 4.3886% | 1,554 |
| Noninterest income to average assets | 0.3528% | 5,346 |
| Noninterest expense to average assets | 2.5327% | 5,595 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6232% | 714 |
| Return on assets (ROA) | 1.6232% | 782 |
| Pretax return on assets | 1.8988% | 772 |
| Return on Equity (ROE) | 19.3521% | 359 |
| Retained earnings to average equity (ytd only) | 12.9453% | 351 |
| Net charge-offs to loans | 0.0033% | 6,638 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 690.7068% | 37 |
| Efficiency ratio | 57.1517% | 6,395 |
| Assets per employee ($millions) | 5.5550% | 1,581 |
| Cash dividends to net income (ytd only)* | 33.1067% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 6,597 |
| Loan loss allowance to noncurrent loans | 543.8356% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 6,988 |
| Noncurrent loans to loans | 0.1736% | 6,835 |
| Net loans and leases to total assets | 83.3243% | 378 |
| Net loans and leases to deposits | 91.6568% | 1,496 |
| Net loans and leases to core deposits | 94.2062% | 2,500 |
| Total domestic deposits to total assets | 90.9091% | 480 |
| Equity capital to assets | 8.5889% | 6,172 |
| Core capital (leverage) ratio | 7.6721% | 6,705 |
| Tier 1 risk-based capital ratio | 9.6403% | 7,214 |
| Total risk-based capital ratio | 10.6424% | 7,288 |
| Memoranda: | ||
| Average total assets | $48,379,500 | 6,675 |
| Average earning assets | $44,963,500 | 6,618 |
| Average equity | $4,058,000 | 7,065 |
| Average total loans | $40,800,250 | 5,970 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7789% | 1,483 |
| Cost of funding earning assets | 1.4571% | 3,519 |
| Net interest margin | 4.3218% | 1,698 |
| Noninterest income to average assets | 0.3177% | 5,614 |
| Noninterest expense to average assets | 2.5459% | 5,537 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3712% | 1,147 |
| Return on assets (ROA) | 1.3712% | 1,215 |
| Pretax return on assets | 1.7893% | 907 |
| Return on Equity (ROE) | 16.4852% | 633 |
| Retained earnings to average equity (ytd only) | 10.2027% | 800 |
| Net charge-offs to loans | 0.0050% | 6,306 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 428.0000% | 79 |
| Efficiency ratio | 58.7271% | 6,271 |
| Assets per employee ($millions) | 5.5981% | 1,540 |
| Cash dividends to net income (ytd only)* | 38.1098% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 6,574 |
| Loan loss allowance to noncurrent loans | 1,417.8571% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 7,250 |
| Noncurrent loans to loans | 0.0675% | 7,143 |
| Net loans and leases to total assets | 81.5811% | 587 |
| Net loans and leases to deposits | 89.3019% | 1,965 |
| Net loans and leases to core deposits | 92.2730% | 2,945 |
| Total domestic deposits to total assets | 91.3542% | 369 |
| Equity capital to assets | 8.1416% | 6,608 |
| Core capital (leverage) ratio | 7.4742% | 6,847 |
| Tier 1 risk-based capital ratio | 9.2521% | 7,357 |
| Total risk-based capital ratio | 10.2648% | 7,422 |
| Memoranda: | ||
| Average total assets | $47,841,000 | 6,732 |
| Average earning assets | $44,472,330 | 6,680 |
| Average equity | $3,979,330 | 7,132 |
| Average total loans | $40,382,000 | 6,031 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8020% | 1,448 |
| Cost of funding earning assets | 1.5128% | 3,474 |
| Net interest margin | 4.2892% | 1,717 |
| Noninterest income to average assets | 0.3092% | 5,670 |
| Noninterest expense to average assets | 2.5768% | 5,446 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3829% | 1,115 |
| Return on assets (ROA) | 1.3829% | 1,192 |
| Pretax return on assets | 1.7264% | 1,010 |
| Return on Equity (ROE) | 16.4370% | 663 |
| Retained earnings to average equity (ytd only) | 3.6753% | 3,949 |
| Net charge-offs to loans | 0.0100% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 170 |
| Efficiency ratio | 59.8802% | 6,199 |
| Assets per employee ($millions) | 5.3453% | 1,826 |
| Cash dividends to net income (ytd only)* | 77.6398% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 6,392 |
| Loan loss allowance to noncurrent loans | 992.5000% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 7,281 |
| Noncurrent loans to loans | 0.1020% | 7,139 |
| Net loans and leases to total assets | 80.6581% | 749 |
| Net loans and leases to deposits | 88.3935% | 2,162 |
| Net loans and leases to core deposits | 91.4647% | 3,174 |
| Total domestic deposits to total assets | 91.2489% | 454 |
| Equity capital to assets | 8.1816% | 6,454 |
| Core capital (leverage) ratio | 7.3898% | 6,945 |
| Tier 1 risk-based capital ratio | 9.3644% | 7,367 |
| Total risk-based capital ratio | 10.4386% | 7,437 |
| Memoranda: | ||
| Average total assets | $46,570,000 | 6,858 |
| Average earning assets | $43,364,500 | 6,802 |
| Average equity | $3,918,000 | 7,214 |
| Average total loans | $39,823,000 | 6,128 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2233% | 1,182 |
| Cost of funding earning assets | 1.8914% | 3,507 |
| Net interest margin | 4.3319% | 1,628 |
| Noninterest income to average assets | 0.3850% | 5,339 |
| Noninterest expense to average assets | 3.1049% | 3,720 |
| Loan and lease loss provision to assets | 0.1146% | 6,499 |
| Net operating income to assets | 0.8433% | 2,376 |
| Return on assets (ROA) | 0.8433% | 2,460 |
| Pretax return on assets | 1.2328% | 1,862 |
| Return on Equity (ROE) | 10.2513% | 1,620 |
| Retained earnings to average equity (ytd only) | 6.7692% | 1,048 |
| Net charge-offs to loans | 0.0726% | 6,380 |
| Credit loss provision to net charge-offs | 178.5714% | 2,337 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,013 |
| Efficiency ratio | 69.7375% | 4,686 |
| Assets per employee ($millions) | 5.0036% | 2,212 |
| Cash dividends to net income (ytd only)* | 33.9674% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 6,483 |
| Loan loss allowance to noncurrent loans | 456.3218% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 6,984 |
| Noncurrent loans to loans | 0.2151% | 6,887 |
| Net loans and leases to total assets | 88.9345% | 131 |
| Net loans and leases to deposits | 98.8693% | 1,013 |
| Net loans and leases to core deposits | 111.1978% | 2,773 |
| Total domestic deposits to total assets | 89.9516% | 988 |
| Equity capital to assets | 8.6605% | 5,644 |
| Core capital (leverage) ratio | 7.6133% | 6,668 |
| Tier 1 risk-based capital ratio | 9.0656% | 7,441 |
| Total risk-based capital ratio | 10.1165% | 7,541 |
| Memoranda: | ||
| Average total assets | $43,640,200 | 6,959 |
| Average earning assets | $40,975,000 | 6,910 |
| Average equity | $3,589,800 | 7,417 |
| Average total loans | $38,565,200 | 6,174 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2405% | 1,266 |
| Cost of funding earning assets | 1.9671% | 3,535 |
| Net interest margin | 4.2734% | 1,795 |
| Noninterest income to average assets | 0.3911% | 5,371 |
| Noninterest expense to average assets | 2.7348% | 5,173 |
| Loan and lease loss provision to assets | 0.0616% | 6,749 |
| Net operating income to assets | 1.3459% | 1,131 |
| Return on assets (ROA) | 1.3459% | 1,192 |
| Pretax return on assets | 1.6292% | 1,116 |
| Return on Equity (ROE) | 16.5891% | 590 |
| Retained earnings to average equity (ytd only) | 11.8440% | 360 |
| Net charge-offs to loans | 0.0700% | 5,992 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 27.4458% | 992 |
| Efficiency ratio | 61.7954% | 6,154 |
| Assets per employee ($millions) | 4.8607% | 2,313 |
| Cash dividends to net income (ytd only)* | 28.6038% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 6,585 |
| Loan loss allowance to noncurrent loans | 475.9494% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 7,082 |
| Noncurrent loans to loans | 0.1980% | 7,006 |
| Net loans and leases to total assets | 90.3534% | 104 |
| Net loans and leases to deposits | 99.2517% | 1,185 |
| Net loans and leases to core deposits | 110.3832% | 3,196 |
| Total domestic deposits to total assets | 91.0346% | 407 |
| Equity capital to assets | 8.4442% | 6,319 |
| Core capital (leverage) ratio | 7.3174% | 7,175 |
| Tier 1 risk-based capital ratio | 8.6944% | 7,711 |
| Total risk-based capital ratio | 9.7099% | 7,761 |
| Memoranda: | ||
| Average total assets | $43,292,250 | 7,026 |
| Average earning assets | $40,871,750 | 6,964 |
| Average equity | $3,512,250 | 7,505 |
| Average total loans | $38,095,000 | 6,242 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2123% | 1,416 |
| Cost of funding earning assets | 2.0446% | 3,547 |
| Net interest margin | 4.1678% | 2,103 |
| Noninterest income to average assets | 0.4080% | 5,215 |
| Noninterest expense to average assets | 2.6518% | 5,551 |
| Loan and lease loss provision to assets | 0.0927% | 6,240 |
| Net operating income to assets | 1.4093% | 1,012 |
| Return on assets (ROA) | 1.4093% | 1,076 |
| Pretax return on assets | 1.5948% | 1,215 |
| Return on Equity (ROE) | 17.6147% | 523 |
| Retained earnings to average equity (ytd only) | 10.3718% | 657 |
| Net charge-offs to loans | 0.0854% | 5,353 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 22.7500% | 1,210 |
| Efficiency ratio | 61.1111% | 6,380 |
| Assets per employee ($millions) | 4.9526% | 2,139 |
| Cash dividends to net income (ytd only)* | 41.1184% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 6,181 |
| Loan loss allowance to noncurrent loans | 690.9091% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 7,253 |
| Noncurrent loans to loans | 0.1458% | 7,152 |
| Net loans and leases to total assets | 83.7592% | 672 |
| Net loans and leases to deposits | 91.6847% | 2,528 |
| Net loans and leases to core deposits | 101.6472% | 4,319 |
| Total domestic deposits to total assets | 91.3558% | 352 |
| Equity capital to assets | 7.9891% | 6,764 |
| Core capital (leverage) ratio | 7.1300% | 7,427 |
| Tier 1 risk-based capital ratio | 8.6479% | 7,825 |
| Total risk-based capital ratio | 9.7128% | 7,884 |
| Memoranda: | ||
| Average total assets | $43,141,000 | 7,091 |
| Average earning assets | $40,693,330 | 7,028 |
| Average equity | $3,451,670 | 7,590 |
| Average total loans | $37,492,670 | 6,319 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3399% | 1,191 |
| Cost of funding earning assets | 2.1367% | 3,487 |
| Net interest margin | 4.2032% | 1,888 |
| Noninterest income to average assets | 0.4148% | 5,096 |
| Noninterest expense to average assets | 2.7154% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4614% | 1,012 |
| Return on assets (ROA) | 1.4614% | 1,088 |
| Pretax return on assets | 1.6500% | 1,291 |
| Return on Equity (ROE) | 18.2514% | 572 |
| Retained earnings to average equity (ytd only) | 3.5325% | 3,931 |
| Net charge-offs to loans | -0.0214% | 7,458 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2030% | 6,016 |
| Assets per employee ($millions) | 4.8032% | 2,296 |
| Cash dividends to net income (ytd only)* | 80.6452% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 6,013 |
| Loan loss allowance to noncurrent loans | 472.5000% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 6,983 |
| Noncurrent loans to loans | 0.2164% | 6,912 |
| Net loans and leases to total assets | 84.6469% | 602 |
| Net loans and leases to deposits | 92.8142% | 2,467 |
| Net loans and leases to core deposits | 102.8154% | 4,256 |
| Total domestic deposits to total assets | 91.2004% | 352 |
| Equity capital to assets | 7.8928% | 6,962 |
| Core capital (leverage) ratio | 6.9964% | 7,637 |
| Tier 1 risk-based capital ratio | 8.3525% | 7,969 |
| Total risk-based capital ratio | 9.4275% | 8,023 |
| Memoranda: | ||
| Average total assets | $42,425,000 | 7,149 |
| Average earning assets | $39,874,500 | 7,101 |
| Average equity | $3,397,000 | 7,660 |
| Average total loans | $37,382,000 | 6,359 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9916% | 1,156 |
| Cost of funding earning assets | 3.0190% | 1,804 |
| Net interest margin | 3.9726% | 3,258 |
| Noninterest income to average assets | 0.4335% | 5,183 |
| Noninterest expense to average assets | 3.0471% | 3,908 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7754% | 3,547 |
| Return on assets (ROA) | 0.7754% | 3,386 |
| Pretax return on assets | 1.1222% | 2,946 |
| Return on Equity (ROE) | 9.4837% | 2,442 |
| Retained earnings to average equity (ytd only) | 7.6657% | 939 |
| Net charge-offs to loans | 0.0400% | 6,226 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 32.3571% | 1,112 |
| Efficiency ratio | 73.0838% | 3,733 |
| Assets per employee ($millions) | 4.6246% | 2,439 |
| Cash dividends to net income (ytd only)* | 19.1693% | 4,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 6,106 |
| Loan loss allowance to noncurrent loans | 587.5000% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 6,828 |
| Noncurrent loans to loans | 0.1693% | 6,883 |
| Net loans and leases to total assets | 89.9017% | 200 |
| Net loans and leases to deposits | 102.0064% | 1,585 |
| Net loans and leases to core deposits | 110.8287% | 3,704 |
| Total domestic deposits to total assets | 88.1334% | 1,412 |
| Equity capital to assets | 8.1257% | 6,664 |
| Core capital (leverage) ratio | 7.0610% | 7,648 |
| Tier 1 risk-based capital ratio | 8.3117% | 8,031 |
| Total risk-based capital ratio | 9.3867% | 8,100 |
| Memoranda: | ||
| Average total assets | $40,366,600 | 7,198 |
| Average earning assets | $37,959,600 | 7,140 |
| Average equity | $3,300,400 | 7,745 |
| Average total loans | $34,968,800 | 6,430 |