Home > Friend Bank > Performance and Condition Ratios
Friend 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 | 5.6643% | 970 |
| Cost of funding earning assets | 0.9412% | 3,435 |
| Net interest margin | 4.7231% | 466 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 3.1191% | 931 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.6988% | 736 |
| Return on assets (ROA) | 1.7139% | 685 |
| Pretax return on assets | 1.8323% | 851 |
| Return on Equity (ROE) | 15.7700% | 1,139 |
| Retained earnings to average equity (ytd only) | 15.7698% | 282 |
| Net charge-offs to loans | 0.0306% | 1,686 |
| Credit loss provision to net charge-offs | 736.1111% | 513 |
| Earnings coverage of net charge-offs (x) | 98.1111% | 914 |
| Efficiency ratio | 61.0905% | 2,962 |
| Assets per employee ($millions) | 3.9591% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8796% | 463 |
| Loan loss allowance to noncurrent loans | 912.6984% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 2,618 |
| Noncurrent loans to loans | 0.2059% | 2,484 |
| Net loans and leases to total assets | 64.5300% | 2,417 |
| Net loans and leases to deposits | 74.6039% | 2,575 |
| Net loans and leases to core deposits | 78.5572% | 2,793 |
| Total domestic deposits to total assets | 86.4900% | 1,864 |
| Equity capital to assets | 11.6538% | 1,236 |
| Core capital (leverage) ratio | 12.2791% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $180,754,400 | 3,124 |
| Average earning assets | $169,571,200 | 3,094 |
| Average equity | $19,645,200 | 2,889 |
| Average total loans | $117,489,400 | 2,984 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5905% | 916 |
| Cost of funding earning assets | 0.8443% | 3,414 |
| Net interest margin | 4.7461% | 435 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.0222% | 1,042 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.7999% | 673 |
| Return on assets (ROA) | 1.8117% | 648 |
| Pretax return on assets | 1.9417% | 816 |
| Return on Equity (ROE) | 16.9900% | 1,078 |
| Retained earnings to average equity (ytd only) | 16.9874% | 393 |
| Net charge-offs to loans | -0.0126% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.8235% | 3,110 |
| Assets per employee ($millions) | 3.6739% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 489 |
| Loan loss allowance to noncurrent loans | 1,021.7778% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 2,727 |
| Noncurrent loans to loans | 0.1843% | 2,622 |
| Net loans and leases to total assets | 66.5500% | 2,195 |
| Net loans and leases to deposits | 76.4109% | 2,382 |
| Net loans and leases to core deposits | 79.2984% | 2,651 |
| Total domestic deposits to total assets | 87.0900% | 1,862 |
| Equity capital to assets | 11.2381% | 1,258 |
| Core capital (leverage) ratio | 12.1821% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $179,424,000 | 3,139 |
| Average earning assets | $168,019,750 | 3,123 |
| Average equity | $19,135,250 | 2,923 |
| Average total loans | $116,270,250 | 2,998 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4329% | 919 |
| Cost of funding earning assets | 0.7506% | 3,348 |
| Net interest margin | 4.6824% | 472 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.9873% | 1,063 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.7473% | 716 |
| Return on assets (ROA) | 1.7598% | 704 |
| Pretax return on assets | 1.8892% | 889 |
| Return on Equity (ROE) | 16.8000% | 1,137 |
| Retained earnings to average equity (ytd only) | 16.8034% | 404 |
| Net charge-offs to loans | -0.0192% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.9579% | 3,078 |
| Assets per employee ($millions) | 3.7553% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8687% | 530 |
| Loan loss allowance to noncurrent loans | 467.3640% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 1,849 |
| Noncurrent loans to loans | 0.3998% | 1,730 |
| Net loans and leases to total assets | 66.4700% | 2,105 |
| Net loans and leases to deposits | 75.0691% | 2,399 |
| Net loans and leases to core deposits | 76.7522% | 2,711 |
| Total domestic deposits to total assets | 88.5400% | 1,406 |
| Equity capital to assets | 11.1939% | 1,305 |
| Core capital (leverage) ratio | 11.7700% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $179,225,000 | 3,143 |
| Average earning assets | $167,607,333 | 3,126 |
| Average equity | $18,770,000 | 2,967 |
| Average total loans | $114,327,333 | 3,014 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3415% | 785 |
| Cost of funding earning assets | 0.6517% | 3,216 |
| Net interest margin | 4.6898% | 449 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.7643% | 1,522 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 2.0053% | 490 |
| Return on assets (ROA) | 2.0201% | 470 |
| Pretax return on assets | 2.1375% | 625 |
| Return on Equity (ROE) | 19.9600% | 770 |
| Retained earnings to average equity (ytd only) | 19.9601% | 380 |
| Net charge-offs to loans | -0.0107% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.6056% | 3,545 |
| Assets per employee ($millions) | 3.6175% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8806% | 567 |
| Loan loss allowance to noncurrent loans | 749.8246% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 2,402 |
| Noncurrent loans to loans | 0.2508% | 2,247 |
| Net loans and leases to total assets | 61.6400% | 2,496 |
| Net loans and leases to deposits | 68.9959% | 2,691 |
| Net loans and leases to core deposits | 70.4779% | 2,923 |
| Total domestic deposits to total assets | 89.3400% | 1,406 |
| Equity capital to assets | 10.4133% | 1,609 |
| Core capital (leverage) ratio | 10.9752% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $180,588,500 | 3,173 |
| Average earning assets | $168,792,000 | 3,160 |
| Average equity | $18,276,500 | 3,029 |
| Average total loans | $111,716,500 | 3,080 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 1,268 |
| Cost of funding earning assets | 0.2104% | 3,675 |
| Net interest margin | 3.9791% | 812 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.7808% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5371% | 800 |
| Return on assets (ROA) | 1.5340% | 782 |
| Pretax return on assets | 1.6260% | 1,096 |
| Return on Equity (ROE) | 16.8100% | 891 |
| Retained earnings to average equity (ytd only) | 12.7144% | 549 |
| Net charge-offs to loans | -0.0695% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.6150% | 2,686 |
| Assets per employee ($millions) | 3.9196% | 4,313 |
| Cash dividends to net income (ytd only)* | 24.3653% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 665 |
| Loan loss allowance to noncurrent loans | 2,781.6901% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,406 |
| Noncurrent loans to loans | 0.0647% | 3,279 |
| Net loans and leases to total assets | 59.8000% | 2,646 |
| Net loans and leases to deposits | 66.5940% | 2,847 |
| Net loans and leases to core deposits | 67.8922% | 3,017 |
| Total domestic deposits to total assets | 89.8000% | 1,446 |
| Equity capital to assets | 9.8268% | 1,802 |
| Core capital (leverage) ratio | 10.4885% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $184,873,800 | 3,146 |
| Average earning assets | $170,664,800 | 3,139 |
| Average equity | $16,870,600 | 3,212 |
| Average total loans | $102,085,400 | 3,121 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9131% | 1,454 |
| Cost of funding earning assets | 0.1592% | 3,738 |
| Net interest margin | 3.7539% | 1,027 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.6563% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4051% | 1,078 |
| Return on assets (ROA) | 1.3984% | 1,066 |
| Pretax return on assets | 1.4937% | 1,429 |
| Return on Equity (ROE) | 15.6200% | 1,059 |
| Retained earnings to average equity (ytd only) | 10.0845% | 1,320 |
| Net charge-offs to loans | -0.1092% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4310% | 2,630 |
| Assets per employee ($millions) | 3.8026% | 4,396 |
| Cash dividends to net income (ytd only)* | 35.4177% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 646 |
| Loan loss allowance to noncurrent loans | 2,392.7711% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 3,447 |
| Noncurrent loans to loans | 0.0778% | 3,318 |
| Net loans and leases to total assets | 57.3500% | 2,766 |
| Net loans and leases to deposits | 63.2947% | 2,920 |
| Net loans and leases to core deposits | 64.5003% | 3,070 |
| Total domestic deposits to total assets | 90.6000% | 1,405 |
| Equity capital to assets | 9.0788% | 2,155 |
| Core capital (leverage) ratio | 9.8403% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $186,016,750 | 3,163 |
| Average earning assets | $171,691,500 | 3,159 |
| Average equity | $16,658,750 | 3,262 |
| Average total loans | $100,156,750 | 3,154 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6765% | 1,600 |
| Cost of funding earning assets | 0.1178% | 3,987 |
| Net interest margin | 3.5587% | 1,163 |
| Noninterest income to average assets | 0.6849% | 1,409 |
| Noninterest expense to average assets | 2.5911% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3103% | 1,109 |
| Return on assets (ROA) | 1.2993% | 1,120 |
| Pretax return on assets | 1.3751% | 1,507 |
| Return on Equity (ROE) | 14.5733% | 983 |
| Retained earnings to average equity (ytd only) | 6.2919% | 2,239 |
| Net charge-offs to loans | -0.1572% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6522% | 2,686 |
| Assets per employee ($millions) | 4.0905% | 4,320 |
| Cash dividends to net income (ytd only)* | 56.8257% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9470% | 607 |
| Loan loss allowance to noncurrent loans | 2,303.4884% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,530 |
| Noncurrent loans to loans | 0.0845% | 3,361 |
| Net loans and leases to total assets | 53.0195% | 3,060 |
| Net loans and leases to deposits | 58.2493% | 3,205 |
| Net loans and leases to core deposits | 60.8385% | 3,207 |
| Total domestic deposits to total assets | 91.0216% | 1,232 |
| Equity capital to assets | 8.6882% | 2,621 |
| Core capital (leverage) ratio | 9.2197% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,181,000 | 3,181 |
| Average earning assets | $173,207,667 | 3,185 |
| Average equity | $16,688,000 | 3,342 |
| Average total loans | $97,989,333 | 3,211 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7098% | 1,254 |
| Cost of funding earning assets | 0.0925% | 4,235 |
| Net interest margin | 3.6173% | 870 |
| Noninterest income to average assets | 0.6128% | 1,638 |
| Noninterest expense to average assets | 2.6225% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2679% | 1,075 |
| Return on assets (ROA) | 1.2598% | 1,079 |
| Pretax return on assets | 1.3348% | 1,427 |
| Return on Equity (ROE) | 13.9518% | 840 |
| Retained earnings to average equity (ytd only) | 6.8098% | 1,952 |
| Net charge-offs to loans | -0.0416% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6402% | 2,809 |
| Assets per employee ($millions) | 4.0580% | 4,379 |
| Cash dividends to net income (ytd only)* | 51.1905% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9704% | 652 |
| Loan loss allowance to noncurrent loans | 1,234.8387% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 2,951 |
| Noncurrent loans to loans | 0.1596% | 3,007 |
| Net loans and leases to total assets | 51.0133% | 3,068 |
| Net loans and leases to deposits | 56.1517% | 3,258 |
| Net loans and leases to core deposits | 58.6714% | 3,261 |
| Total domestic deposits to total assets | 90.8490% | 1,107 |
| Equity capital to assets | 8.9056% | 2,796 |
| Core capital (leverage) ratio | 9.2366% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,690,000 | 3,194 |
| Average earning assets | $173,056,000 | 3,199 |
| Average equity | $16,858,000 | 3,409 |
| Average total loans | $96,112,000 | 3,245 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 1,134 |
| Cost of funding earning assets | 0.1259% | 4,181 |
| Net interest margin | 3.9896% | 729 |
| Noninterest income to average assets | 1.7757% | 373 |
| Noninterest expense to average assets | 2.6267% | 1,808 |
| Loan and lease loss provision to assets | 0.0290% | 2,475 |
| Net operating income to assets | 2.6342% | 139 |
| Return on assets (ROA) | 2.6454% | 141 |
| Pretax return on assets | 2.8239% | 173 |
| Return on Equity (ROE) | 29.3531% | 74 |
| Retained earnings to average equity (ytd only) | 13.9765% | 307 |
| Net charge-offs to loans | 0.0163% | 1,975 |
| Credit loss provision to net charge-offs | 318.7500% | 1,031 |
| Earnings coverage of net charge-offs (x) | 312.3750% | 389 |
| Efficiency ratio | 47.6661% | 4,426 |
| Assets per employee ($millions) | 4.3421% | 4,240 |
| Cash dividends to net income (ytd only)* | 52.3850% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0024% | 602 |
| Loan loss allowance to noncurrent loans | 564.9852% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 2,457 |
| Noncurrent loans to loans | 0.3544% | 2,312 |
| Net loans and leases to total assets | 49.9060% | 3,288 |
| Net loans and leases to deposits | 55.1081% | 3,507 |
| Net loans and leases to core deposits | 57.8330% | 3,487 |
| Total domestic deposits to total assets | 90.5603% | 688 |
| Equity capital to assets | 9.1543% | 3,456 |
| Core capital (leverage) ratio | 9.0905% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,926,800 | 3,243 |
| Average earning assets | $162,798,800 | 3,246 |
| Average equity | $15,855,200 | 3,554 |
| Average total loans | $98,367,400 | 3,222 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 1,139 |
| Cost of funding earning assets | 0.1365% | 4,218 |
| Net interest margin | 4.0408% | 729 |
| Noninterest income to average assets | 2.1520% | 311 |
| Noninterest expense to average assets | 2.5322% | 2,026 |
| Loan and lease loss provision to assets | 0.0260% | 2,479 |
| Net operating income to assets | 3.1493% | 104 |
| Return on assets (ROA) | 3.1603% | 105 |
| Pretax return on assets | 3.3411% | 129 |
| Return on Equity (ROE) | 35.2150% | 57 |
| Retained earnings to average equity (ytd only) | 26.1411% | 43 |
| Net charge-offs to loans | 0.0229% | 1,585 |
| Credit loss provision to net charge-offs | 200.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 256.4706% | 477 |
| Efficiency ratio | 42.6536% | 4,641 |
| Assets per employee ($millions) | 4.3043% | 4,262 |
| Cash dividends to net income (ytd only)* | 25.7672% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 747 |
| Loan loss allowance to noncurrent loans | 881.3084% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 2,963 |
| Noncurrent loans to loans | 0.2172% | 3,082 |
| Net loans and leases to total assets | 53.4675% | 3,029 |
| Net loans and leases to deposits | 59.4047% | 3,281 |
| Net loans and leases to core deposits | 62.4995% | 3,264 |
| Total domestic deposits to total assets | 90.0055% | 771 |
| Equity capital to assets | 9.7251% | 3,174 |
| Core capital (leverage) ratio | 9.7308% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,230,750 | 3,296 |
| Average earning assets | $160,161,000 | 3,305 |
| Average equity | $15,546,000 | 3,625 |
| Average total loans | $99,188,250 | 3,251 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 1,674 |
| Cost of funding earning assets | 0.1459% | 4,238 |
| Net interest margin | 3.8044% | 1,132 |
| Noninterest income to average assets | 0.7463% | 1,681 |
| Noninterest expense to average assets | 2.5223% | 2,074 |
| Loan and lease loss provision to assets | 0.0187% | 2,581 |
| Net operating income to assets | 1.6536% | 946 |
| Return on assets (ROA) | 1.6648% | 981 |
| Pretax return on assets | 1.7597% | 1,330 |
| Return on Equity (ROE) | 19.1153% | 532 |
| Retained earnings to average equity (ytd only) | 10.4388% | 1,274 |
| Net charge-offs to loans | 0.0543% | 1,080 |
| Credit loss provision to net charge-offs | 59.2593% | 1,562 |
| Earnings coverage of net charge-offs (x) | 55.8519% | 1,006 |
| Efficiency ratio | 58.3174% | 3,245 |
| Assets per employee ($millions) | 4.1350% | 4,374 |
| Cash dividends to net income (ytd only)* | 45.3906% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 859 |
| Loan loss allowance to noncurrent loans | 814.9123% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 3,013 |
| Noncurrent loans to loans | 0.2230% | 3,160 |
| Net loans and leases to total assets | 57.8048% | 2,696 |
| Net loans and leases to deposits | 63.5567% | 3,045 |
| Net loans and leases to core deposits | 67.0794% | 3,031 |
| Total domestic deposits to total assets | 90.9500% | 393 |
| Equity capital to assets | 8.8185% | 3,956 |
| Core capital (leverage) ratio | 8.6046% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,714,667 | 3,331 |
| Average earning assets | $158,973,000 | 3,318 |
| Average equity | $14,867,667 | 3,698 |
| Average total loans | $99,403,000 | 3,262 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 1,405 |
| Cost of funding earning assets | 0.1595% | 4,238 |
| Net interest margin | 3.9327% | 935 |
| Noninterest income to average assets | 0.7185% | 1,812 |
| Noninterest expense to average assets | 2.5975% | 1,890 |
| Loan and lease loss provision to assets | 0.0189% | 2,532 |
| Net operating income to assets | 1.6888% | 963 |
| Return on assets (ROA) | 1.7112% | 973 |
| Pretax return on assets | 1.7963% | 1,295 |
| Return on Equity (ROE) | 19.7760% | 550 |
| Retained earnings to average equity (ytd only) | 11.2264% | 1,339 |
| Net charge-offs to loans | 0.0898% | 744 |
| Credit loss provision to net charge-offs | 36.3636% | 1,363 |
| Earnings coverage of net charge-offs (x) | 34.4545% | 1,038 |
| Efficiency ratio | 58.6968% | 3,201 |
| Assets per employee ($millions) | 4.0348% | 4,458 |
| Cash dividends to net income (ytd only)* | 43.2320% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 747 |
| Loan loss allowance to noncurrent loans | 687.0370% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 3,088 |
| Noncurrent loans to loans | 0.2754% | 3,113 |
| Net loans and leases to total assets | 55.4373% | 3,102 |
| Net loans and leases to deposits | 60.7840% | 3,429 |
| Net loans and leases to core deposits | 64.1438% | 3,400 |
| Total domestic deposits to total assets | 91.2038% | 329 |
| Equity capital to assets | 8.5236% | 4,092 |
| Core capital (leverage) ratio | 8.6222% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,237,500 | 3,343 |
| Average earning assets | $157,956,500 | 3,332 |
| Average equity | $14,644,000 | 3,726 |
| Average total loans | $97,981,000 | 3,287 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4584% | 1,417 |
| Cost of funding earning assets | 0.3705% | 3,764 |
| Net interest margin | 4.0879% | 806 |
| Noninterest income to average assets | 0.9800% | 1,088 |
| Noninterest expense to average assets | 2.8717% | 1,755 |
| Loan and lease loss provision to assets | 0.1630% | 2,339 |
| Net operating income to assets | 1.5945% | 650 |
| Return on assets (ROA) | 1.5938% | 704 |
| Pretax return on assets | 1.6898% | 871 |
| Return on Equity (ROE) | 17.0980% | 401 |
| Retained earnings to average equity (ytd only) | 2.8497% | 3,452 |
| Net charge-offs to loans | 0.1498% | 1,084 |
| Credit loss provision to net charge-offs | 173.5714% | 2,299 |
| Earnings coverage of net charge-offs (x) | 19.7357% | 1,965 |
| Efficiency ratio | 60.2641% | 3,419 |
| Assets per employee ($millions) | 3.9281% | 4,424 |
| Cash dividends to net income (ytd only)* | 83.3333% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 707 |
| Loan loss allowance to noncurrent loans | 541.7391% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 2,950 |
| Noncurrent loans to loans | 0.3523% | 2,936 |
| Net loans and leases to total assets | 58.2234% | 3,059 |
| Net loans and leases to deposits | 64.1483% | 3,427 |
| Net loans and leases to core deposits | 67.8997% | 3,422 |
| Total domestic deposits to total assets | 90.7637% | 288 |
| Equity capital to assets | 8.7889% | 4,234 |
| Core capital (leverage) ratio | 8.5547% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,074,200 | 3,414 |
| Average earning assets | $136,573,800 | 3,425 |
| Average equity | $13,896,400 | 3,771 |
| Average total loans | $93,444,200 | 3,352 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 1,405 |
| Cost of funding earning assets | 0.4333% | 3,622 |
| Net interest margin | 4.1337% | 837 |
| Noninterest income to average assets | 1.0420% | 959 |
| Noninterest expense to average assets | 2.9166% | 1,662 |
| Loan and lease loss provision to assets | 0.0655% | 3,519 |
| Net operating income to assets | 1.7255% | 547 |
| Return on assets (ROA) | 1.7220% | 612 |
| Pretax return on assets | 1.8258% | 745 |
| Return on Equity (ROE) | 18.1776% | 348 |
| Retained earnings to average equity (ytd only) | 8.4292% | 1,159 |
| Net charge-offs to loans | 0.1242% | 1,134 |
| Credit loss provision to net charge-offs | 82.5581% | 2,742 |
| Earnings coverage of net charge-offs (x) | 23.9767% | 1,774 |
| Efficiency ratio | 60.1031% | 3,378 |
| Assets per employee ($millions) | 4.0124% | 4,301 |
| Cash dividends to net income (ytd only)* | 53.6286% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 750 |
| Loan loss allowance to noncurrent loans | 334.1603% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 2,834 |
| Noncurrent loans to loans | 0.5347% | 2,459 |
| Net loans and leases to total assets | 59.9681% | 3,232 |
| Net loans and leases to deposits | 66.1505% | 3,607 |
| Net loans and leases to core deposits | 70.1330% | 3,615 |
| Total domestic deposits to total assets | 90.6540% | 247 |
| Equity capital to assets | 9.0058% | 4,118 |
| Core capital (leverage) ratio | 9.0981% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,097,750 | 3,446 |
| Average earning assets | $132,306,750 | 3,467 |
| Average equity | $13,745,500 | 3,791 |
| Average total loans | $92,323,750 | 3,380 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 1,506 |
| Cost of funding earning assets | 0.5164% | 3,433 |
| Net interest margin | 4.1453% | 1,028 |
| Noninterest income to average assets | 1.1474% | 762 |
| Noninterest expense to average assets | 3.0250% | 1,518 |
| Loan and lease loss provision to assets | 0.0757% | 3,346 |
| Net operating income to assets | 1.7414% | 571 |
| Return on assets (ROA) | 1.7333% | 633 |
| Pretax return on assets | 1.8233% | 776 |
| Return on Equity (ROE) | 17.9580% | 373 |
| Retained earnings to average equity (ytd only) | 8.4830% | 1,167 |
| Net charge-offs to loans | 0.0708% | 1,541 |
| Credit loss provision to net charge-offs | 165.6250% | 2,056 |
| Earnings coverage of net charge-offs (x) | 41.7188% | 1,216 |
| Efficiency ratio | 60.8053% | 3,307 |
| Assets per employee ($millions) | 3.4168% | 4,701 |
| Cash dividends to net income (ytd only)* | 52.7617% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 652 |
| Loan loss allowance to noncurrent loans | 214.7837% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 2,153 |
| Noncurrent loans to loans | 0.8378% | 1,819 |
| Net loans and leases to total assets | 64.8652% | 2,771 |
| Net loans and leases to deposits | 71.9660% | 3,263 |
| Net loans and leases to core deposits | 76.6358% | 3,237 |
| Total domestic deposits to total assets | 90.1331% | 367 |
| Equity capital to assets | 9.4139% | 3,733 |
| Core capital (leverage) ratio | 9.3436% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,964,667 | 3,485 |
| Average earning assets | $127,807,333 | 3,502 |
| Average equity | $13,509,333 | 3,822 |
| Average total loans | $90,432,333 | 3,404 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 1,210 |
| Cost of funding earning assets | 0.6056% | 3,405 |
| Net interest margin | 4.2877% | 776 |
| Noninterest income to average assets | 1.0595% | 760 |
| Noninterest expense to average assets | 3.2083% | 1,408 |
| Loan and lease loss provision to assets | 0.0890% | 2,575 |
| Net operating income to assets | 1.5592% | 684 |
| Return on assets (ROA) | 1.5344% | 788 |
| Pretax return on assets | 1.6442% | 969 |
| Return on Equity (ROE) | 15.6815% | 466 |
| Retained earnings to average equity (ytd only) | 5.8844% | 1,923 |
| Net charge-offs to loans | 0.1954% | 699 |
| Credit loss provision to net charge-offs | 71.4286% | 1,968 |
| Earnings coverage of net charge-offs (x) | 14.1190% | 1,615 |
| Efficiency ratio | 64.0382% | 3,230 |
| Assets per employee ($millions) | 3.2238% | 4,680 |
| Cash dividends to net income (ytd only)* | 62.4758% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0791% | 447 |
| Loan loss allowance to noncurrent loans | 290.8789% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 2,687 |
| Noncurrent loans to loans | 0.7148% | 2,211 |
| Net loans and leases to total assets | 61.0118% | 3,398 |
| Net loans and leases to deposits | 68.1629% | 3,722 |
| Net loans and leases to core deposits | 74.5894% | 3,600 |
| Total domestic deposits to total assets | 89.5089% | 466 |
| Equity capital to assets | 9.9476% | 3,841 |
| Core capital (leverage) ratio | 9.8808% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,776,500 | 3,524 |
| Average earning assets | $122,862,000 | 3,539 |
| Average equity | $13,187,500 | 3,862 |
| Average total loans | $85,995,500 | 3,486 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4794% | 581 |
| Cost of funding earning assets | 0.6931% | 3,195 |
| Net interest margin | 4.7863% | 405 |
| Noninterest income to average assets | 0.9439% | 1,083 |
| Noninterest expense to average assets | 3.0502% | 1,881 |
| Loan and lease loss provision to assets | 0.4223% | 330 |
| Net operating income to assets | 1.7010% | 658 |
| Return on assets (ROA) | 1.7074% | 692 |
| Pretax return on assets | 1.8136% | 904 |
| Return on Equity (ROE) | 17.5652% | 372 |
| Retained earnings to average equity (ytd only) | 2.7533% | 3,662 |
| Net charge-offs to loans | 0.0033% | 3,562 |
| Credit loss provision to net charge-offs | 18,566.6667% | 18 |
| Earnings coverage of net charge-offs (x) | 980.0000% | 104 |
| Efficiency ratio | 57.2598% | 4,055 |
| Assets per employee ($millions) | 3.2720% | 4,664 |
| Cash dividends to net income (ytd only)* | 84.3250% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0154% | 448 |
| Loan loss allowance to noncurrent loans | 284.8387% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 2,557 |
| Noncurrent loans to loans | 0.7075% | 2,105 |
| Net loans and leases to total assets | 64.0023% | 3,198 |
| Net loans and leases to deposits | 71.2622% | 3,568 |
| Net loans and leases to core deposits | 78.0051% | 3,449 |
| Total domestic deposits to total assets | 89.8124% | 390 |
| Equity capital to assets | 9.6204% | 4,254 |
| Core capital (leverage) ratio | 9.4296% | 4,132 |
| Tier 1 risk-based capital ratio | 15.4235% | 2,610 |
| Total risk-based capital ratio | 16.6843% | 2,533 |
| Memoranda: | ||
| Average total assets | $131,894,400 | 3,541 |
| Average earning assets | $119,466,000 | 3,564 |
| Average equity | $12,820,800 | 3,903 |
| Average total loans | $91,224,800 | 3,371 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5557% | 530 |
| Cost of funding earning assets | 0.6894% | 3,262 |
| Net interest margin | 4.8663% | 371 |
| Noninterest income to average assets | 0.8640% | 1,229 |
| Noninterest expense to average assets | 3.0751% | 1,767 |
| Loan and lease loss provision to assets | 0.4244% | 309 |
| Net operating income to assets | 1.6599% | 812 |
| Return on assets (ROA) | 1.6599% | 851 |
| Pretax return on assets | 1.7645% | 1,169 |
| Return on Equity (ROE) | 17.0315% | 474 |
| Retained earnings to average equity (ytd only) | 7.2501% | 1,736 |
| Net charge-offs to loans | -0.0072% | 4,298 |
| Credit loss provision to net charge-offs | -8,360.0000% | 4,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8978% | 3,950 |
| Assets per employee ($millions) | 3.2366% | 4,720 |
| Cash dividends to net income (ytd only)* | 57.4311% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 671 |
| Loan loss allowance to noncurrent loans | 202.3515% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 2,173 |
| Noncurrent loans to loans | 0.8913% | 1,797 |
| Net loans and leases to total assets | 67.0806% | 2,918 |
| Net loans and leases to deposits | 74.8335% | 3,400 |
| Net loans and leases to core deposits | 82.3742% | 3,222 |
| Total domestic deposits to total assets | 89.6398% | 398 |
| Equity capital to assets | 10.0000% | 4,020 |
| Core capital (leverage) ratio | 9.8391% | 3,799 |
| Tier 1 risk-based capital ratio | 14.9498% | 2,870 |
| Total risk-based capital ratio | 16.2081% | 2,800 |
| Memoranda: | ||
| Average total assets | $131,329,750 | 3,579 |
| Average earning assets | $118,746,750 | 3,609 |
| Average equity | $12,799,500 | 3,944 |
| Average total loans | $92,124,250 | 3,397 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5996% | 469 |
| Cost of funding earning assets | 0.6643% | 3,339 |
| Net interest margin | 4.9353% | 331 |
| Noninterest income to average assets | 0.8665% | 1,165 |
| Noninterest expense to average assets | 2.9830% | 2,046 |
| Loan and lease loss provision to assets | 0.4310% | 282 |
| Net operating income to assets | 1.8109% | 578 |
| Return on assets (ROA) | 1.8109% | 599 |
| Pretax return on assets | 1.9255% | 791 |
| Return on Equity (ROE) | 18.7460% | 337 |
| Retained earnings to average equity (ytd only) | 8.8272% | 1,085 |
| Net charge-offs to loans | -0.0367% | 4,737 |
| Credit loss provision to net charge-offs | -1,658.8235% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3520% | 4,333 |
| Assets per employee ($millions) | 3.2659% | 4,724 |
| Cash dividends to net income (ytd only)* | 52.9114% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 939 |
| Loan loss allowance to noncurrent loans | 197.2585% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 2,299 |
| Noncurrent loans to loans | 0.8330% | 1,923 |
| Net loans and leases to total assets | 67.5442% | 2,881 |
| Net loans and leases to deposits | 75.0689% | 3,420 |
| Net loans and leases to core deposits | 79.3589% | 3,473 |
| Total domestic deposits to total assets | 89.9763% | 339 |
| Equity capital to assets | 9.7654% | 4,177 |
| Core capital (leverage) ratio | 9.6662% | 3,966 |
| Tier 1 risk-based capital ratio | 14.5019% | 3,068 |
| Total risk-based capital ratio | 15.7580% | 2,986 |
| Memoranda: | ||
| Average total assets | $130,873,000 | 3,609 |
| Average earning assets | $118,615,670 | 3,638 |
| Average equity | $12,642,670 | 3,968 |
| Average total loans | $92,615,330 | 3,398 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8296% | 294 |
| Cost of funding earning assets | 0.6129% | 3,498 |
| Net interest margin | 5.2167% | 198 |
| Noninterest income to average assets | 0.8689% | 1,122 |
| Noninterest expense to average assets | 3.0705% | 1,803 |
| Loan and lease loss provision to assets | 0.4360% | 256 |
| Net operating income to assets | 1.9635% | 414 |
| Return on assets (ROA) | 1.9635% | 429 |
| Pretax return on assets | 2.0996% | 525 |
| Return on Equity (ROE) | 20.4410% | 241 |
| Retained earnings to average equity (ytd only) | 10.3010% | 964 |
| Net charge-offs to loans | 0.1851% | 750 |
| Credit loss provision to net charge-offs | 327.9070% | 779 |
| Earnings coverage of net charge-offs (x) | 19.0698% | 1,603 |
| Efficiency ratio | 54.2747% | 4,510 |
| Assets per employee ($millions) | 3.2600% | 4,780 |
| Cash dividends to net income (ytd only)* | 49.6063% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,609 |
| Loan loss allowance to noncurrent loans | 119.8536% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 1,695 |
| Noncurrent loans to loans | 1.1827% | 1,404 |
| Net loans and leases to total assets | 69.8689% | 2,501 |
| Net loans and leases to deposits | 77.5614% | 3,110 |
| Net loans and leases to core deposits | 80.8822% | 3,283 |
| Total domestic deposits to total assets | 90.0821% | 419 |
| Equity capital to assets | 9.6879% | 4,101 |
| Core capital (leverage) ratio | 9.7579% | 3,861 |
| Tier 1 risk-based capital ratio | 14.2537% | 3,215 |
| Total risk-based capital ratio | 15.5067% | 3,145 |
| Memoranda: | ||
| Average total assets | $129,358,500 | 3,666 |
| Average earning assets | $117,470,000 | 3,690 |
| Average equity | $12,426,000 | 4,015 |
| Average total loans | $92,946,000 | 3,431 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 904 |
| Cost of funding earning assets | 0.4163% | 3,889 |
| Net interest margin | 4.6548% | 539 |
| Noninterest income to average assets | 0.9338% | 1,096 |
| Noninterest expense to average assets | 3.1108% | 1,774 |
| Loan and lease loss provision to assets | 0.3615% | 412 |
| Net operating income to assets | 1.5821% | 918 |
| Return on assets (ROA) | 1.5866% | 891 |
| Pretax return on assets | 1.6853% | 1,202 |
| Return on Equity (ROE) | 16.5787% | 533 |
| Retained earnings to average equity (ytd only) | 3.5302% | 3,647 |
| Net charge-offs to loans | 0.3457% | 548 |
| Credit loss provision to net charge-offs | 149.1857% | 1,845 |
| Earnings coverage of net charge-offs (x) | 8.4267% | 2,897 |
| Efficiency ratio | 59.8192% | 3,888 |
| Assets per employee ($millions) | 3.2079% | 4,825 |
| Cash dividends to net income (ytd only)* | 78.7065% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,056 |
| Loan loss allowance to noncurrent loans | 91.8878% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0279% | 1,330 |
| Noncurrent loans to loans | 1.4111% | 1,102 |
| Net loans and leases to total assets | 71.9008% | 2,272 |
| Net loans and leases to deposits | 79.8002% | 2,977 |
| Net loans and leases to core deposits | 83.0552% | 3,175 |
| Total domestic deposits to total assets | 90.1011% | 440 |
| Equity capital to assets | 9.5225% | 4,109 |
| Core capital (leverage) ratio | 9.5492% | 4,061 |
| Tier 1 risk-based capital ratio | 13.5916% | 3,501 |
| Total risk-based capital ratio | 14.8428% | 3,408 |
| Memoranda: | ||
| Average total assets | $126,687,400 | 3,687 |
| Average earning assets | $114,828,400 | 3,736 |
| Average equity | $12,124,000 | 4,004 |
| Average total loans | $88,812,600 | 3,500 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 999 |
| Cost of funding earning assets | 0.3847% | 3,972 |
| Net interest margin | 4.5829% | 619 |
| Noninterest income to average assets | 0.9502% | 1,057 |
| Noninterest expense to average assets | 3.1231% | 1,707 |
| Loan and lease loss provision to assets | 0.2608% | 591 |
| Net operating income to assets | 1.6137% | 941 |
| Return on assets (ROA) | 1.6196% | 929 |
| Pretax return on assets | 1.7231% | 1,221 |
| Return on Equity (ROE) | 16.9028% | 554 |
| Retained earnings to average equity (ytd only) | 7.2834% | 1,983 |
| Net charge-offs to loans | 0.0837% | 1,684 |
| Credit loss provision to net charge-offs | 449.0909% | 763 |
| Earnings coverage of net charge-offs (x) | 34.0552% | 1,499 |
| Efficiency ratio | 60.6707% | 3,709 |
| Assets per employee ($millions) | 3.1631% | 4,915 |
| Cash dividends to net income (ytd only)* | 56.9101% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 1,917 |
| Loan loss allowance to noncurrent loans | 71.7640% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 948 |
| Noncurrent loans to loans | 1.8661% | 815 |
| Net loans and leases to total assets | 72.9606% | 2,174 |
| Net loans and leases to deposits | 81.1021% | 2,913 |
| Net loans and leases to core deposits | 83.6872% | 3,179 |
| Total domestic deposits to total assets | 89.9615% | 521 |
| Equity capital to assets | 9.7271% | 3,893 |
| Core capital (leverage) ratio | 9.9102% | 3,729 |
| Tier 1 risk-based capital ratio | 13.7926% | 3,465 |
| Total risk-based capital ratio | 15.0440% | 3,379 |
| Memoranda: | ||
| Average total assets | $126,280,000 | 3,726 |
| Average earning assets | $114,364,000 | 3,777 |
| Average equity | $12,100,250 | 4,041 |
| Average total loans | $87,647,500 | 3,554 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 1,194 |
| Cost of funding earning assets | 0.3428% | 4,120 |
| Net interest margin | 4.4797% | 726 |
| Noninterest income to average assets | 0.9144% | 1,143 |
| Noninterest expense to average assets | 3.0492% | 1,907 |
| Loan and lease loss provision to assets | 0.1236% | 1,603 |
| Net operating income to assets | 1.6995% | 718 |
| Return on assets (ROA) | 1.7084% | 710 |
| Pretax return on assets | 1.8098% | 939 |
| Return on Equity (ROE) | 17.9199% | 423 |
| Retained earnings to average equity (ytd only) | 8.2285% | 1,530 |
| Net charge-offs to loans | 0.0514% | 1,868 |
| Credit loss provision to net charge-offs | 354.5455% | 892 |
| Earnings coverage of net charge-offs (x) | 55.1818% | 1,055 |
| Efficiency ratio | 60.7393% | 3,805 |
| Assets per employee ($millions) | 3.2371% | 4,895 |
| Cash dividends to net income (ytd only)* | 54.0816% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,545 |
| Loan loss allowance to noncurrent loans | 59.0381% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 698 |
| Noncurrent loans to loans | 2.0868% | 693 |
| Net loans and leases to total assets | 70.9286% | 2,445 |
| Net loans and leases to deposits | 78.6969% | 3,088 |
| Net loans and leases to core deposits | 80.9529% | 3,324 |
| Total domestic deposits to total assets | 90.1290% | 528 |
| Equity capital to assets | 9.6699% | 3,942 |
| Core capital (leverage) ratio | 9.8313% | 3,754 |
| Tier 1 risk-based capital ratio | 13.9725% | 3,370 |
| Total risk-based capital ratio | 15.2230% | 3,298 |
| Memoranda: | ||
| Average total assets | $126,199,000 | 3,757 |
| Average earning assets | $114,338,670 | 3,805 |
| Average equity | $12,031,330 | 4,077 |
| Average total loans | $85,675,000 | 3,612 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 1,661 |
| Cost of funding earning assets | 0.2981% | 4,362 |
| Net interest margin | 4.2745% | 993 |
| Noninterest income to average assets | 0.9954% | 920 |
| Noninterest expense to average assets | 3.1702% | 1,634 |
| Loan and lease loss provision to assets | 0.1522% | 1,188 |
| Net operating income to assets | 1.4248% | 1,269 |
| Return on assets (ROA) | 1.4424% | 1,222 |
| Pretax return on assets | 1.5566% | 1,509 |
| Return on Equity (ROE) | 15.2391% | 766 |
| Retained earnings to average equity (ytd only) | 5.4258% | 2,985 |
| Net charge-offs to loans | 0.1683% | 857 |
| Credit loss provision to net charge-offs | 137.1429% | 1,287 |
| Earnings coverage of net charge-offs (x) | 15.2286% | 1,675 |
| Efficiency ratio | 64.6445% | 3,383 |
| Assets per employee ($millions) | 3.2206% | 4,975 |
| Cash dividends to net income (ytd only)* | 64.3956% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,341 |
| Loan loss allowance to noncurrent loans | 53.7538% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.8948% | 625 |
| Noncurrent loans to loans | 2.3791% | 590 |
| Net loans and leases to total assets | 66.0067% | 3,029 |
| Net loans and leases to deposits | 73.0632% | 3,510 |
| Net loans and leases to core deposits | 75.1589% | 3,729 |
| Total domestic deposits to total assets | 90.3419% | 526 |
| Equity capital to assets | 9.5037% | 4,085 |
| Core capital (leverage) ratio | 9.7601% | 3,796 |
| Tier 1 risk-based capital ratio | 14.3587% | 3,192 |
| Total risk-based capital ratio | 15.6097% | 3,106 |
| Memoranda: | ||
| Average total assets | $126,174,500 | 3,792 |
| Average earning assets | $114,072,000 | 3,845 |
| Average equity | $11,943,000 | 4,132 |
| Average total loans | $83,181,000 | 3,686 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 1,318 |
| Cost of funding earning assets | 0.2787% | 4,328 |
| Net interest margin | 4.3677% | 822 |
| Noninterest income to average assets | 0.8253% | 1,479 |
| Noninterest expense to average assets | 3.2104% | 1,585 |
| Loan and lease loss provision to assets | 0.1838% | 1,158 |
| Net operating income to assets | 1.2908% | 1,248 |
| Return on assets (ROA) | 1.2908% | 1,267 |
| Pretax return on assets | 1.3634% | 2,114 |
| Return on Equity (ROE) | 13.4469% | 858 |
| Retained earnings to average equity (ytd only) | 2.5233% | 3,815 |
| Net charge-offs to loans | 0.2748% | 953 |
| Credit loss provision to net charge-offs | 104.0179% | 2,463 |
| Earnings coverage of net charge-offs (x) | 8.7545% | 2,871 |
| Efficiency ratio | 66.8823% | 3,102 |
| Assets per employee ($millions) | 3.1686% | 5,060 |
| Cash dividends to net income (ytd only)* | 81.2347% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 2,278 |
| Loan loss allowance to noncurrent loans | 93.8938% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.3697% | 1,034 |
| Noncurrent loans to loans | 1.3717% | 1,265 |
| Net loans and leases to total assets | 64.1603% | 3,347 |
| Net loans and leases to deposits | 71.0404% | 3,785 |
| Net loans and leases to core deposits | 72.6000% | 4,002 |
| Total domestic deposits to total assets | 90.3152% | 464 |
| Equity capital to assets | 9.4276% | 4,294 |
| Core capital (leverage) ratio | 9.2810% | 4,313 |
| Tier 1 risk-based capital ratio | 14.5349% | 3,074 |
| Total risk-based capital ratio | 15.7861% | 2,994 |
| Memoranda: | ||
| Average total assets | $126,742,800 | 3,796 |
| Average earning assets | $114,110,400 | 3,840 |
| Average equity | $12,166,400 | 4,114 |
| Average total loans | $81,514,800 | 3,720 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 1,323 |
| Cost of funding earning assets | 0.2803% | 4,309 |
| Net interest margin | 4.3379% | 844 |
| Noninterest income to average assets | 0.8595% | 1,399 |
| Noninterest expense to average assets | 3.2169% | 1,523 |
| Loan and lease loss provision to assets | 0.1410% | 1,501 |
| Net operating income to assets | 1.3307% | 1,251 |
| Return on assets (ROA) | 1.3307% | 1,277 |
| Pretax return on assets | 1.4086% | 2,092 |
| Return on Equity (ROE) | 13.8013% | 876 |
| Retained earnings to average equity (ytd only) | 10.1683% | 551 |
| Net charge-offs to loans | 0.3313% | 635 |
| Credit loss provision to net charge-offs | 66.3366% | 2,734 |
| Earnings coverage of net charge-offs (x) | 7.2920% | 2,893 |
| Efficiency ratio | 66.8947% | 3,061 |
| Assets per employee ($millions) | 3.0193% | 5,250 |
| Cash dividends to net income (ytd only)* | 26.3242% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 3,057 |
| Loan loss allowance to noncurrent loans | 96.0938% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.3991% | 1,114 |
| Noncurrent loans to loans | 1.2234% | 1,555 |
| Net loans and leases to total assets | 66.8212% | 2,999 |
| Net loans and leases to deposits | 74.6833% | 3,502 |
| Net loans and leases to core deposits | 76.3762% | 3,777 |
| Total domestic deposits to total assets | 89.4727% | 665 |
| Equity capital to assets | 10.2865% | 3,601 |
| Core capital (leverage) ratio | 9.9969% | 3,566 |
| Tier 1 risk-based capital ratio | 15.1271% | 2,870 |
| Total risk-based capital ratio | 16.3211% | 2,818 |
| Memoranda: | ||
| Average total assets | $126,742,250 | 3,833 |
| Average earning assets | $114,153,250 | 3,882 |
| Average equity | $12,220,750 | 4,139 |
| Average total loans | $81,298,250 | 3,747 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 1,694 |
| Cost of funding earning assets | 0.2804% | 4,282 |
| Net interest margin | 4.1596% | 1,171 |
| Noninterest income to average assets | 0.8878% | 1,313 |
| Noninterest expense to average assets | 3.1818% | 1,622 |
| Loan and lease loss provision to assets | 0.1033% | 1,962 |
| Net operating income to assets | 1.2997% | 1,300 |
| Return on assets (ROA) | 1.2997% | 1,325 |
| Pretax return on assets | 1.3654% | 2,150 |
| Return on Equity (ROE) | 13.7763% | 854 |
| Retained earnings to average equity (ytd only) | 10.0916% | 566 |
| Net charge-offs to loans | 0.4298% | 473 |
| Credit loss provision to net charge-offs | 38.1503% | 2,660 |
| Earnings coverage of net charge-offs (x) | 5.4220% | 2,829 |
| Efficiency ratio | 67.8114% | 3,046 |
| Assets per employee ($millions) | 2.9178% | 5,337 |
| Cash dividends to net income (ytd only)* | 26.7470% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 3,304 |
| Loan loss allowance to noncurrent loans | 105.8231% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.4522% | 1,072 |
| Noncurrent loans to loans | 1.0884% | 1,800 |
| Net loans and leases to total assets | 64.6382% | 3,298 |
| Net loans and leases to deposits | 71.9033% | 3,753 |
| Net loans and leases to core deposits | 73.5005% | 3,982 |
| Total domestic deposits to total assets | 89.8961% | 567 |
| Equity capital to assets | 9.9270% | 3,995 |
| Core capital (leverage) ratio | 9.5790% | 4,042 |
| Tier 1 risk-based capital ratio | 15.1573% | 2,862 |
| Total risk-based capital ratio | 16.3376% | 2,826 |
| Memoranda: | ||
| Average total assets | $127,725,330 | 3,844 |
| Average earning assets | $115,538,670 | 3,887 |
| Average equity | $12,049,670 | 4,176 |
| Average total loans | $80,496,330 | 3,782 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 2,016 |
| Cost of funding earning assets | 0.2805% | 4,250 |
| Net interest margin | 3.9987% | 1,478 |
| Noninterest income to average assets | 0.8971% | 1,257 |
| Noninterest expense to average assets | 3.2129% | 1,569 |
| Loan and lease loss provision to assets | 0.0714% | 2,377 |
| Net operating income to assets | 1.1796% | 1,559 |
| Return on assets (ROA) | 1.1796% | 1,601 |
| Pretax return on assets | 1.2417% | 2,446 |
| Return on Equity (ROE) | 12.8303% | 1,032 |
| Retained earnings to average equity (ytd only) | 9.0825% | 1,052 |
| Net charge-offs to loans | 0.3111% | 596 |
| Credit loss provision to net charge-offs | 37.0968% | 2,079 |
| Earnings coverage of net charge-offs (x) | 6.8226% | 2,189 |
| Efficiency ratio | 70.3704% | 2,834 |
| Assets per employee ($millions) | 3.2161% | 5,145 |
| Cash dividends to net income (ytd only)* | 29.2105% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,673 |
| Loan loss allowance to noncurrent loans | 108.3422% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3191% | 1,289 |
| Noncurrent loans to loans | 1.1745% | 1,733 |
| Net loans and leases to total assets | 61.0937% | 3,646 |
| Net loans and leases to deposits | 67.4806% | 4,044 |
| Net loans and leases to core deposits | 68.9288% | 4,226 |
| Total domestic deposits to total assets | 90.5352% | 459 |
| Equity capital to assets | 9.3233% | 4,485 |
| Core capital (leverage) ratio | 9.1947% | 4,485 |
| Tier 1 risk-based capital ratio | 15.1857% | 2,882 |
| Total risk-based capital ratio | 16.4365% | 2,819 |
| Memoranda: | ||
| Average total assets | $128,855,000 | 3,863 |
| Average earning assets | $116,938,000 | 3,896 |
| Average equity | $11,847,000 | 4,240 |
| Average total loans | $79,722,500 | 3,816 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 1,532 |
| Cost of funding earning assets | 0.3073% | 3,983 |
| Net interest margin | 4.1934% | 1,136 |
| Noninterest income to average assets | 0.9235% | 1,338 |
| Noninterest expense to average assets | 3.2768% | 1,627 |
| Loan and lease loss provision to assets | 0.2507% | 839 |
| Net operating income to assets | 1.1248% | 1,801 |
| Return on assets (ROA) | 1.1248% | 1,883 |
| Pretax return on assets | 1.1711% | 2,802 |
| Return on Equity (ROE) | 12.0068% | 1,245 |
| Retained earnings to average equity (ytd only) | 3.0542% | 3,726 |
| Net charge-offs to loans | 0.3463% | 788 |
| Credit loss provision to net charge-offs | 115.5797% | 2,275 |
| Earnings coverage of net charge-offs (x) | 6.5543% | 3,154 |
| Efficiency ratio | 69.1368% | 3,050 |
| Assets per employee ($millions) | 3.1479% | 5,221 |
| Cash dividends to net income (ytd only)* | 74.5632% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,446 |
| Loan loss allowance to noncurrent loans | 74.2938% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 919 |
| Noncurrent loans to loans | 1.7736% | 1,074 |
| Net loans and leases to total assets | 61.0437% | 3,721 |
| Net loans and leases to deposits | 67.3212% | 4,142 |
| Net loans and leases to core deposits | 68.7559% | 4,341 |
| Total domestic deposits to total assets | 90.6752% | 393 |
| Equity capital to assets | 9.0652% | 4,749 |
| Core capital (leverage) ratio | 8.8473% | 4,914 |
| Tier 1 risk-based capital ratio | 15.0894% | 2,930 |
| Total risk-based capital ratio | 16.3413% | 2,860 |
| Memoranda: | ||
| Average total assets | $127,227,600 | 3,876 |
| Average earning assets | $114,537,800 | 3,915 |
| Average equity | $11,918,200 | 4,258 |
| Average total loans | $79,692,800 | 3,802 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,578 |
| Cost of funding earning assets | 0.3113% | 3,963 |
| Net interest margin | 4.1781% | 1,185 |
| Noninterest income to average assets | 0.9603% | 1,235 |
| Noninterest expense to average assets | 3.2626% | 1,645 |
| Loan and lease loss provision to assets | 0.2640% | 688 |
| Net operating income to assets | 1.1433% | 1,837 |
| Return on assets (ROA) | 1.1433% | 1,940 |
| Pretax return on assets | 1.1885% | 2,878 |
| Return on Equity (ROE) | 12.1050% | 1,289 |
| Retained earnings to average equity (ytd only) | 8.9534% | 830 |
| Net charge-offs to loans | 0.3548% | 633 |
| Credit loss provision to net charge-offs | 118.3962% | 2,113 |
| Earnings coverage of net charge-offs (x) | 6.5142% | 2,993 |
| Efficiency ratio | 68.5925% | 3,124 |
| Assets per employee ($millions) | 3.3426% | 4,992 |
| Cash dividends to net income (ytd only)* | 26.0346% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,947 |
| Loan loss allowance to noncurrent loans | 63.1706% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.8257% | 895 |
| Noncurrent loans to loans | 1.9808% | 998 |
| Net loans and leases to total assets | 63.4423% | 3,466 |
| Net loans and leases to deposits | 70.2763% | 3,965 |
| Net loans and leases to core deposits | 72.2375% | 4,143 |
| Total domestic deposits to total assets | 90.2755% | 380 |
| Equity capital to assets | 9.4791% | 4,679 |
| Core capital (leverage) ratio | 9.3203% | 4,436 |
| Tier 1 risk-based capital ratio | 14.7356% | 3,172 |
| Total risk-based capital ratio | 15.9863% | 3,110 |
| Memoranda: | ||
| Average total assets | $126,768,250 | 3,909 |
| Average earning assets | $113,925,500 | 3,954 |
| Average equity | $11,972,750 | 4,294 |
| Average total loans | $79,656,500 | 3,834 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 1,545 |
| Cost of funding earning assets | 0.3144% | 3,970 |
| Net interest margin | 4.1755% | 1,169 |
| Noninterest income to average assets | 0.9317% | 1,286 |
| Noninterest expense to average assets | 3.2141% | 1,779 |
| Loan and lease loss provision to assets | 0.1863% | 1,166 |
| Net operating income to assets | 1.2391% | 1,467 |
| Return on assets (ROA) | 1.2391% | 1,569 |
| Pretax return on assets | 1.2965% | 2,419 |
| Return on Equity (ROE) | 13.1367% | 999 |
| Retained earnings to average equity (ytd only) | 10.1311% | 570 |
| Net charge-offs to loans | 0.1482% | 1,441 |
| Credit loss provision to net charge-offs | 201.7241% | 1,295 |
| Earnings coverage of net charge-offs (x) | 16.0517% | 1,953 |
| Efficiency ratio | 67.8196% | 3,380 |
| Assets per employee ($millions) | 3.3154% | 5,040 |
| Cash dividends to net income (ytd only)* | 22.8792% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,828 |
| Loan loss allowance to noncurrent loans | 50.3299% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 2.2431% | 669 |
| Noncurrent loans to loans | 2.5681% | 661 |
| Net loans and leases to total assets | 64.7389% | 3,260 |
| Net loans and leases to deposits | 71.8235% | 3,803 |
| Net loans and leases to core deposits | 73.8980% | 3,992 |
| Total domestic deposits to total assets | 90.1362% | 434 |
| Equity capital to assets | 9.6733% | 4,585 |
| Core capital (leverage) ratio | 9.3770% | 4,362 |
| Tier 1 risk-based capital ratio | 14.8397% | 3,144 |
| Total risk-based capital ratio | 16.0902% | 3,086 |
| Memoranda: | ||
| Average total assets | $125,570,670 | 3,951 |
| Average earning assets | $113,230,670 | 3,994 |
| Average equity | $11,844,670 | 4,344 |
| Average total loans | $78,291,330 | 3,892 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 1,510 |
| Cost of funding earning assets | 0.3150% | 4,007 |
| Net interest margin | 4.1832% | 1,137 |
| Noninterest income to average assets | 0.9572% | 1,167 |
| Noninterest expense to average assets | 3.1524% | 1,951 |
| Loan and lease loss provision to assets | 0.2457% | 726 |
| Net operating income to assets | 1.2763% | 1,316 |
| Return on assets (ROA) | 1.2763% | 1,411 |
| Pretax return on assets | 1.3305% | 2,179 |
| Return on Equity (ROE) | 13.7063% | 896 |
| Retained earnings to average equity (ytd only) | 10.6566% | 714 |
| Net charge-offs to loans | 0.0368% | 2,247 |
| Credit loss provision to net charge-offs | 1,100.0000% | 347 |
| Earnings coverage of net charge-offs (x) | 70.5714% | 690 |
| Efficiency ratio | 66.0594% | 3,791 |
| Assets per employee ($millions) | 3.2258% | 5,234 |
| Cash dividends to net income (ytd only)* | 22.2500% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 2,314 |
| Loan loss allowance to noncurrent loans | 65.9535% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.8735% | 968 |
| Noncurrent loans to loans | 2.1594% | 961 |
| Net loans and leases to total assets | 59.3627% | 3,867 |
| Net loans and leases to deposits | 65.6548% | 4,289 |
| Net loans and leases to core deposits | 67.5442% | 4,431 |
| Total domestic deposits to total assets | 90.4163% | 458 |
| Equity capital to assets | 9.4239% | 4,747 |
| Core capital (leverage) ratio | 9.2646% | 4,531 |
| Tier 1 risk-based capital ratio | 16.0168% | 2,677 |
| Total risk-based capital ratio | 17.2701% | 2,624 |
| Memoranda: | ||
| Average total assets | $125,363,000 | 3,987 |
| Average earning assets | $113,024,000 | 4,019 |
| Average equity | $11,673,500 | 4,391 |
| Average total loans | $76,122,000 | 3,961 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 581 |
| Cost of funding earning assets | 0.3445% | 3,750 |
| Net interest margin | 4.6914% | 454 |
| Noninterest income to average assets | 1.0007% | 1,182 |
| Noninterest expense to average assets | 3.7032% | 974 |
| Loan and lease loss provision to assets | 0.3528% | 416 |
| Net operating income to assets | 1.0460% | 2,144 |
| Return on assets (ROA) | 1.0460% | 2,232 |
| Pretax return on assets | 1.1438% | 2,866 |
| Return on Equity (ROE) | 10.5538% | 1,783 |
| Retained earnings to average equity (ytd only) | -23.2327% | 6,126 |
| Net charge-offs to loans | 0.0830% | 2,646 |
| Credit loss provision to net charge-offs | 650.8197% | 515 |
| Earnings coverage of net charge-offs (x) | 27.6066% | 1,544 |
| Efficiency ratio | 70.6033% | 3,124 |
| Assets per employee ($millions) | 3.3762% | 5,028 |
| Cash dividends to net income (ytd only)* | 320.1359% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,796 |
| Loan loss allowance to noncurrent loans | 67.5820% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 1,077 |
| Noncurrent loans to loans | 1.9521% | 1,083 |
| Net loans and leases to total assets | 60.4180% | 3,774 |
| Net loans and leases to deposits | 66.7017% | 4,249 |
| Net loans and leases to core deposits | 68.7857% | 4,390 |
| Total domestic deposits to total assets | 90.5794% | 415 |
| Equity capital to assets | 9.1988% | 4,914 |
| Core capital (leverage) ratio | 9.1068% | 4,744 |
| Tier 1 risk-based capital ratio | 15.5114% | 2,923 |
| Total risk-based capital ratio | 16.7629% | 2,862 |
| Memoranda: | ||
| Average total assets | $112,524,400 | 4,208 |
| Average earning assets | $100,715,400 | 4,268 |
| Average equity | $11,152,400 | 4,445 |
| Average total loans | $73,481,000 | 4,012 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3108% | 368 |
| Cost of funding earning assets | 0.3320% | 3,961 |
| Net interest margin | 4.9788% | 270 |
| Noninterest income to average assets | 1.0649% | 1,057 |
| Noninterest expense to average assets | 3.6943% | 985 |
| Loan and lease loss provision to assets | 0.3058% | 469 |
| Net operating income to assets | 1.4475% | 1,013 |
| Return on assets (ROA) | 1.4475% | 1,057 |
| Pretax return on assets | 1.5231% | 1,616 |
| Return on Equity (ROE) | 14.3115% | 838 |
| Retained earnings to average equity (ytd only) | -19.6000% | 6,199 |
| Net charge-offs to loans | 0.0293% | 3,346 |
| Credit loss provision to net charge-offs | 1,568.7500% | 226 |
| Earnings coverage of net charge-offs (x) | 93.8247% | 657 |
| Efficiency ratio | 66.2916% | 3,843 |
| Assets per employee ($millions) | 3.4619% | 4,870 |
| Cash dividends to net income (ytd only)* | 236.9530% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 4,191 |
| Loan loss allowance to noncurrent loans | 62.5949% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.6762% | 1,298 |
| Noncurrent loans to loans | 1.7677% | 1,347 |
| Net loans and leases to total assets | 65.0453% | 3,146 |
| Net loans and leases to deposits | 72.4437% | 3,714 |
| Net loans and leases to core deposits | 74.7297% | 3,935 |
| Total domestic deposits to total assets | 89.7874% | 659 |
| Equity capital to assets | 10.0096% | 4,133 |
| Core capital (leverage) ratio | 10.0173% | 3,604 |
| Tier 1 risk-based capital ratio | 15.7098% | 2,948 |
| Total risk-based capital ratio | 16.8768% | 2,914 |
| Memoranda: | ||
| Average total assets | $109,426,000 | 4,313 |
| Average earning assets | $97,986,750 | 4,384 |
| Average equity | $11,067,750 | 4,518 |
| Average total loans | $72,730,750 | 4,064 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6153% | 224 |
| Cost of funding earning assets | 0.3230% | 4,122 |
| Net interest margin | 5.2924% | 163 |
| Noninterest income to average assets | 1.0771% | 1,033 |
| Noninterest expense to average assets | 3.8310% | 836 |
| Loan and lease loss provision to assets | 0.3929% | 311 |
| Net operating income to assets | 1.4853% | 923 |
| Return on assets (ROA) | 1.4853% | 971 |
| Pretax return on assets | 1.5638% | 1,441 |
| Return on Equity (ROE) | 14.6245% | 799 |
| Retained earnings to average equity (ytd only) | -36.3064% | 6,312 |
| Net charge-offs to loans | 0.0517% | 2,683 |
| Credit loss provision to net charge-offs | 1,138.8889% | 313 |
| Earnings coverage of net charge-offs (x) | 56.7222% | 872 |
| Efficiency ratio | 66.1921% | 3,973 |
| Assets per employee ($millions) | 3.4236% | 4,945 |
| Cash dividends to net income (ytd only)* | 348.2581% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 4,540 |
| Loan loss allowance to noncurrent loans | 56.4304% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.7558% | 1,336 |
| Noncurrent loans to loans | 1.8778% | 1,337 |
| Net loans and leases to total assets | 65.1508% | 3,101 |
| Net loans and leases to deposits | 72.8085% | 3,639 |
| Net loans and leases to core deposits | 74.9323% | 3,860 |
| Total domestic deposits to total assets | 89.4824% | 907 |
| Equity capital to assets | 9.8652% | 4,193 |
| Core capital (leverage) ratio | 9.7376% | 3,956 |
| Tier 1 risk-based capital ratio | 15.5577% | 3,069 |
| Total risk-based capital ratio | 16.7010% | 3,069 |
| Memoranda: | ||
| Average total assets | $104,358,000 | 4,457 |
| Average earning assets | $92,888,330 | 4,536 |
| Average equity | $10,598,670 | 4,637 |
| Average total loans | $69,650,000 | 4,171 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6151% | 219 |
| Cost of funding earning assets | 0.4220% | 3,044 |
| Net interest margin | 5.1931% | 177 |
| Noninterest income to average assets | 1.1674% | 840 |
| Noninterest expense to average assets | 4.1133% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5383% | 790 |
| Return on assets (ROA) | 1.5383% | 833 |
| Pretax return on assets | 1.6183% | 1,227 |
| Return on Equity (ROE) | 14.8699% | 731 |
| Retained earnings to average equity (ytd only) | -86.9787% | 6,403 |
| Net charge-offs to loans | 0.0563% | 2,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 939 |
| Efficiency ratio | 71.7647% | 3,208 |
| Assets per employee ($millions) | 3.3621% | 5,146 |
| Cash dividends to net income (ytd only)* | 684.9315% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 5,551 |
| Loan loss allowance to noncurrent loans | 53.2905% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.6714% | 1,509 |
| Noncurrent loans to loans | 1.6049% | 1,739 |
| Net loans and leases to total assets | 63.5930% | 3,147 |
| Net loans and leases to deposits | 71.1305% | 3,629 |
| Net loans and leases to core deposits | 72.9811% | 3,873 |
| Total domestic deposits to total assets | 89.4032% | 1,043 |
| Equity capital to assets | 9.9118% | 4,251 |
| Core capital (leverage) ratio | 9.8667% | 3,800 |
| Tier 1 risk-based capital ratio | 16.1209% | 2,865 |
| Total risk-based capital ratio | 17.0410% | 2,959 |
| Memoranda: | ||
| Average total assets | $94,911,500 | 4,694 |
| Average earning assets | $83,418,500 | 4,789 |
| Average equity | $9,818,500 | 4,823 |
| Average total loans | $63,895,500 | 4,366 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6933% | 1,326 |
| Cost of funding earning assets | 0.3599% | 4,142 |
| Net interest margin | 4.3334% | 991 |
| Noninterest income to average assets | 0.9937% | 1,230 |
| Noninterest expense to average assets | 3.7949% | 993 |
| Loan and lease loss provision to assets | 0.1428% | 1,862 |
| Net operating income to assets | 0.8809% | 2,966 |
| Return on assets (ROA) | 0.8809% | 3,055 |
| Pretax return on assets | 0.9066% | 3,878 |
| Return on Equity (ROE) | 8.1210% | 3,066 |
| Retained earnings to average equity (ytd only) | 0.1316% | 5,716 |
| Net charge-offs to loans | 0.3404% | 1,287 |
| Credit loss provision to net charge-offs | 61.3497% | 3,260 |
| Earnings coverage of net charge-offs (x) | 4.5092% | 3,635 |
| Efficiency ratio | 78.3378% | 2,156 |
| Assets per employee ($millions) | 3.2755% | 5,304 |
| Cash dividends to net income (ytd only)* | 98.3793% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 3,221 |
| Loan loss allowance to noncurrent loans | 693.8144% | 821 |
| Noncurrent assets plus other real estate owned to assets | 1.3259% | 2,118 |
| Noncurrent loans to loans | 0.1934% | 5,128 |
| Net loans and leases to total assets | 71.9376% | 1,922 |
| Net loans and leases to deposits | 81.0785% | 2,592 |
| Net loans and leases to core deposits | 82.1254% | 3,094 |
| Total domestic deposits to total assets | 88.7259% | 1,403 |
| Equity capital to assets | 11.1069% | 2,798 |
| Core capital (leverage) ratio | 11.0096% | 2,404 |
| Tier 1 risk-based capital ratio | 16.6856% | 2,644 |
| Total risk-based capital ratio | 17.9386% | 2,588 |
| Memoranda: | ||
| Average total assets | $70,041,600 | 5,286 |
| Average earning assets | $62,237,000 | 5,333 |
| Average equity | $7,597,600 | 5,295 |
| Average total loans | $47,880,200 | 4,885 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 1,508 |
| Cost of funding earning assets | 0.3752% | 4,073 |
| Net interest margin | 4.2471% | 1,166 |
| Noninterest income to average assets | 0.9589% | 1,341 |
| Noninterest expense to average assets | 3.6102% | 1,276 |
| Loan and lease loss provision to assets | 0.1895% | 1,284 |
| Net operating income to assets | 0.9059% | 2,887 |
| Return on assets (ROA) | 0.9059% | 2,979 |
| Pretax return on assets | 0.9343% | 3,842 |
| Return on Equity (ROE) | 8.4002% | 2,987 |
| Retained earnings to average equity (ytd only) | 2.0737% | 5,014 |
| Net charge-offs to loans | 0.3720% | 1,078 |
| Credit loss provision to net charge-offs | 75.7576% | 2,675 |
| Earnings coverage of net charge-offs (x) | 4.4923% | 3,446 |
| Efficiency ratio | 76.2610% | 2,450 |
| Assets per employee ($millions) | 3.1810% | 5,470 |
| Cash dividends to net income (ytd only)* | 75.3138% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 3,294 |
| Loan loss allowance to noncurrent loans | 372.4868% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 1.5075% | 2,043 |
| Noncurrent loans to loans | 0.3687% | 4,808 |
| Net loans and leases to total assets | 72.2447% | 1,804 |
| Net loans and leases to deposits | 84.1542% | 2,129 |
| Net loans and leases to core deposits | 85.2554% | 2,748 |
| Total domestic deposits to total assets | 85.8480% | 2,933 |
| Equity capital to assets | 11.0198% | 2,939 |
| Core capital (leverage) ratio | 11.1900% | 2,319 |
| Tier 1 risk-based capital ratio | 16.4158% | 2,848 |
| Total risk-based capital ratio | 17.6700% | 2,796 |
| Memoranda: | ||
| Average total assets | $70,355,500 | 5,331 |
| Average earning assets | $62,535,750 | 5,387 |
| Average equity | $7,587,000 | 5,335 |
| Average total loans | $47,311,250 | 4,959 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 1,706 |
| Cost of funding earning assets | 0.3836% | 4,059 |
| Net interest margin | 4.1528% | 1,375 |
| Noninterest income to average assets | 0.9847% | 1,245 |
| Noninterest expense to average assets | 3.6323% | 1,238 |
| Loan and lease loss provision to assets | 0.2838% | 713 |
| Net operating income to assets | 0.7236% | 3,710 |
| Return on assets (ROA) | 0.7236% | 3,805 |
| Pretax return on assets | 0.7548% | 4,435 |
| Return on Equity (ROE) | 6.7591% | 3,745 |
| Retained earnings to average equity (ytd only) | 0.3711% | 5,589 |
| Net charge-offs to loans | 0.3479% | 1,177 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 4.5750% | 3,081 |
| Efficiency ratio | 77.7643% | 2,327 |
| Assets per employee ($millions) | 3.2012% | 5,424 |
| Cash dividends to net income (ytd only)* | 94.5098% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 2,541 |
| Loan loss allowance to noncurrent loans | 129.4521% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 2.3911% | 1,210 |
| Noncurrent loans to loans | 1.2204% | 2,795 |
| Net loans and leases to total assets | 66.8763% | 2,602 |
| Net loans and leases to deposits | 75.0845% | 3,181 |
| Net loans and leases to core deposits | 76.0250% | 3,625 |
| Total domestic deposits to total assets | 89.0681% | 1,318 |
| Equity capital to assets | 10.7771% | 3,118 |
| Core capital (leverage) ratio | 10.6311% | 2,788 |
| Tier 1 risk-based capital ratio | 17.0081% | 2,617 |
| Total risk-based capital ratio | 18.2642% | 2,570 |
| Memoranda: | ||
| Average total assets | $70,479,670 | 5,374 |
| Average earning assets | $62,560,330 | 5,434 |
| Average equity | $7,545,330 | 5,374 |
| Average total loans | $45,994,000 | 5,030 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 1,728 |
| Cost of funding earning assets | 0.3823% | 4,170 |
| Net interest margin | 4.1413% | 1,363 |
| Noninterest income to average assets | 1.0325% | 1,054 |
| Noninterest expense to average assets | 3.6366% | 1,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0382% | 2,053 |
| Return on assets (ROA) | 1.0382% | 2,125 |
| Pretax return on assets | 1.0836% | 2,983 |
| Return on Equity (ROE) | 9.7302% | 2,141 |
| Retained earnings to average equity (ytd only) | 7.8692% | 1,648 |
| Net charge-offs to loans | 0.0799% | 2,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 21.2222% | 1,301 |
| Efficiency ratio | 77.0433% | 2,640 |
| Assets per employee ($millions) | 3.1925% | 5,538 |
| Cash dividends to net income (ytd only)* | 19.1257% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 2,649 |
| Loan loss allowance to noncurrent loans | 131.4647% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 2.1414% | 1,565 |
| Noncurrent loans to loans | 1.2251% | 3,000 |
| Net loans and leases to total assets | 63.2372% | 3,027 |
| Net loans and leases to deposits | 71.0874% | 3,463 |
| Net loans and leases to core deposits | 72.3945% | 3,832 |
| Total domestic deposits to total assets | 88.9569% | 1,689 |
| Equity capital to assets | 10.8665% | 2,856 |
| Core capital (leverage) ratio | 11.0157% | 2,373 |
| Tier 1 risk-based capital ratio | 18.2628% | 2,184 |
| Total risk-based capital ratio | 19.5184% | 2,146 |
| Memoranda: | ||
| Average total assets | $70,506,000 | 5,426 |
| Average earning assets | $62,782,000 | 5,480 |
| Average equity | $7,523,000 | 5,415 |
| Average total loans | $45,063,500 | 5,119 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 1,764 |
| Cost of funding earning assets | 0.4573% | 4,043 |
| Net interest margin | 4.1762% | 1,431 |
| Noninterest income to average assets | 0.8123% | 2,017 |
| Noninterest expense to average assets | 3.3174% | 2,100 |
| Loan and lease loss provision to assets | 0.6005% | 417 |
| Net operating income to assets | 0.6103% | 4,218 |
| Return on assets (ROA) | 0.6103% | 4,336 |
| Pretax return on assets | 0.6353% | 4,752 |
| Return on Equity (ROE) | 5.7455% | 4,248 |
| Retained earnings to average equity (ytd only) | 0.9051% | 5,430 |
| Net charge-offs to loans | 1.9369% | 201 |
| Credit loss provision to net charge-offs | 49.4834% | 3,830 |
| Earnings coverage of net charge-offs (x) | 1.0184% | 4,737 |
| Efficiency ratio | 72.8580% | 3,320 |
| Assets per employee ($millions) | 3.0773% | 5,712 |
| Cash dividends to net income (ytd only)* | 84.2466% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 2,623 |
| Loan loss allowance to noncurrent loans | 128.0000% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 2.4259% | 1,426 |
| Noncurrent loans to loans | 1.2782% | 2,998 |
| Net loans and leases to total assets | 62.5194% | 3,297 |
| Net loans and leases to deposits | 69.9904% | 3,786 |
| Net loans and leases to core deposits | 71.2606% | 4,156 |
| Total domestic deposits to total assets | 89.3258% | 1,419 |
| Equity capital to assets | 10.4750% | 3,196 |
| Core capital (leverage) ratio | 10.6897% | 2,689 |
| Tier 1 risk-based capital ratio | 17.8573% | 2,287 |
| Total risk-based capital ratio | 19.1141% | 2,254 |
| Memoranda: | ||
| Average total assets | $71,773,400 | 5,422 |
| Average earning assets | $64,292,400 | 5,454 |
| Average equity | $7,623,400 | 5,430 |
| Average total loans | $44,969,400 | 5,147 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 1,868 |
| Cost of funding earning assets | 0.4732% | 4,038 |
| Net interest margin | 4.1368% | 1,520 |
| Noninterest income to average assets | 0.7720% | 2,273 |
| Noninterest expense to average assets | 3.2637% | 2,166 |
| Loan and lease loss provision to assets | 0.5554% | 465 |
| Net operating income to assets | 0.6350% | 4,197 |
| Return on assets (ROA) | 0.6350% | 4,317 |
| Pretax return on assets | 0.6590% | 4,828 |
| Return on Equity (ROE) | 5.9580% | 4,213 |
| Retained earnings to average equity (ytd only) | 1.7197% | 5,281 |
| Net charge-offs to loans | 1.7969% | 228 |
| Credit loss provision to net charge-offs | 49.5050% | 3,515 |
| Earnings coverage of net charge-offs (x) | 1.0825% | 4,484 |
| Efficiency ratio | 72.8814% | 3,247 |
| Assets per employee ($millions) | 3.3063% | 5,274 |
| Cash dividends to net income (ytd only)* | 71.1384% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 1,958 |
| Loan loss allowance to noncurrent loans | 74.7423% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.8762% | 1,293 |
| Noncurrent loans to loans | 2.5624% | 1,674 |
| Net loans and leases to total assets | 64.1727% | 2,975 |
| Net loans and leases to deposits | 72.0789% | 3,506 |
| Net loans and leases to core deposits | 73.4162% | 3,917 |
| Total domestic deposits to total assets | 89.0312% | 1,536 |
| Equity capital to assets | 10.7715% | 2,987 |
| Core capital (leverage) ratio | 10.4875% | 3,017 |
| Tier 1 risk-based capital ratio | 17.9067% | 2,354 |
| Total risk-based capital ratio | 19.1667% | 2,319 |
| Memoranda: | ||
| Average total assets | $72,022,250 | 5,471 |
| Average earning assets | $64,524,500 | 5,509 |
| Average equity | $7,675,750 | 5,477 |
| Average total loans | $44,965,250 | 5,202 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 1,873 |
| Cost of funding earning assets | 0.4747% | 4,149 |
| Net interest margin | 4.1192% | 1,492 |
| Noninterest income to average assets | 0.8699% | 1,926 |
| Noninterest expense to average assets | 3.1749% | 2,429 |
| Loan and lease loss provision to assets | 0.2744% | 1,344 |
| Net operating income to assets | 1.0757% | 2,012 |
| Return on assets (ROA) | 1.0757% | 2,125 |
| Pretax return on assets | 1.1113% | 3,052 |
| Return on Equity (ROE) | 10.1275% | 2,151 |
| Retained earnings to average equity (ytd only) | 6.4588% | 2,170 |
| Net charge-offs to loans | 2.5351% | 146 |
| Credit loss provision to net charge-offs | 17.6056% | 3,776 |
| Earnings coverage of net charge-offs (x) | 0.8891% | 4,231 |
| Efficiency ratio | 69.6149% | 3,904 |
| Assets per employee ($millions) | 3.5580% | 4,735 |
| Cash dividends to net income (ytd only)* | 36.2245% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 3,215 |
| Loan loss allowance to noncurrent loans | 104.7267% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 2.1267% | 2,024 |
| Noncurrent loans to loans | 1.5119% | 3,032 |
| Net loans and leases to total assets | 58.9818% | 3,833 |
| Net loans and leases to deposits | 66.4535% | 4,206 |
| Net loans and leases to core deposits | 67.9139% | 4,507 |
| Total domestic deposits to total assets | 88.7564% | 1,752 |
| Equity capital to assets | 10.3884% | 3,443 |
| Core capital (leverage) ratio | 10.4793% | 2,900 |
| Tier 1 risk-based capital ratio | 18.1959% | 2,250 |
| Total risk-based capital ratio | 19.4509% | 2,205 |
| Memoranda: | ||
| Average total assets | $72,885,330 | 5,490 |
| Average earning assets | $65,304,670 | 5,518 |
| Average equity | $7,741,330 | 5,500 |
| Average total loans | $44,811,330 | 5,231 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 1,795 |
| Cost of funding earning assets | 0.4857% | 4,227 |
| Net interest margin | 4.1258% | 1,390 |
| Noninterest income to average assets | 0.8393% | 1,964 |
| Noninterest expense to average assets | 3.2681% | 2,167 |
| Loan and lease loss provision to assets | 0.5558% | 474 |
| Net operating income to assets | 0.7281% | 3,549 |
| Return on assets (ROA) | 0.7281% | 3,685 |
| Pretax return on assets | 0.7448% | 4,396 |
| Return on Equity (ROE) | 6.7779% | 3,607 |
| Retained earnings to average equity (ytd only) | 4.7601% | 3,382 |
| Net charge-offs to loans | 5.0326% | 44 |
| Credit loss provision to net charge-offs | 17.7305% | 3,070 |
| Earnings coverage of net charge-offs (x) | 0.4149% | 3,674 |
| Efficiency ratio | 71.5328% | 3,700 |
| Assets per employee ($millions) | 3.4658% | 5,054 |
| Cash dividends to net income (ytd only)* | 29.7710% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 3,367 |
| Loan loss allowance to noncurrent loans | 72.5790% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.6010% | 1,755 |
| Noncurrent loans to loans | 2.2168% | 2,369 |
| Net loans and leases to total assets | 59.8247% | 3,457 |
| Net loans and leases to deposits | 67.6334% | 3,814 |
| Net loans and leases to core deposits | 68.7819% | 4,211 |
| Total domestic deposits to total assets | 88.4544% | 2,033 |
| Equity capital to assets | 10.6594% | 3,366 |
| Core capital (leverage) ratio | 10.5158% | 2,757 |
| Tier 1 risk-based capital ratio | 18.4546% | 2,208 |
| Total risk-based capital ratio | 19.7100% | 2,176 |
| Memoranda: | ||
| Average total assets | $71,969,000 | 5,562 |
| Average earning assets | $65,054,500 | 5,576 |
| Average equity | $7,731,000 | 5,573 |
| Average total loans | $44,827,500 | 5,262 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 1,579 |
| Cost of funding earning assets | 0.6297% | 4,101 |
| Net interest margin | 4.3625% | 1,246 |
| Noninterest income to average assets | 0.8275% | 2,143 |
| Noninterest expense to average assets | 3.4840% | 1,853 |
| Loan and lease loss provision to assets | 0.4909% | 1,227 |
| Net operating income to assets | 0.7340% | 3,590 |
| Return on assets (ROA) | 0.7027% | 3,977 |
| Pretax return on assets | 0.7265% | 4,569 |
| Return on Equity (ROE) | 6.4801% | 3,923 |
| Retained earnings to average equity (ytd only) | 0.2069% | 5,746 |
| Net charge-offs to loans | 0.4032% | 2,640 |
| Credit loss provision to net charge-offs | 193.3702% | 1,352 |
| Earnings coverage of net charge-offs (x) | 4.9227% | 3,205 |
| Efficiency ratio | 73.6000% | 3,134 |
| Assets per employee ($millions) | 3.3884% | 5,236 |
| Cash dividends to net income (ytd only)* | 96.8064% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5902% | 1,026 |
| Loan loss allowance to noncurrent loans | 52.3598% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 3.1676% | 1,473 |
| Noncurrent loans to loans | 4.9469% | 816 |
| Net loans and leases to total assets | 62.1527% | 3,224 |
| Net loans and leases to deposits | 70.4124% | 3,651 |
| Net loans and leases to core deposits | 71.6373% | 4,087 |
| Total domestic deposits to total assets | 88.2696% | 2,047 |
| Equity capital to assets | 10.8268% | 3,144 |
| Core capital (leverage) ratio | 10.6299% | 2,622 |
| Tier 1 risk-based capital ratio | 18.5929% | 2,073 |
| Total risk-based capital ratio | 19.8634% | 2,029 |
| Memoranda: | ||
| Average total assets | $71,296,400 | 5,596 |
| Average earning assets | $63,839,200 | 5,615 |
| Average equity | $7,731,400 | 5,578 |
| Average total loans | $44,891,800 | 5,289 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 1,332 |
| Cost of funding earning assets | 0.6729% | 3,993 |
| Net interest margin | 4.4665% | 1,055 |
| Noninterest income to average assets | 0.8710% | 1,936 |
| Noninterest expense to average assets | 3.5402% | 1,670 |
| Loan and lease loss provision to assets | 0.0935% | 4,422 |
| Net operating income to assets | 1.1087% | 2,057 |
| Return on assets (ROA) | 1.0692% | 2,427 |
| Pretax return on assets | 1.1645% | 3,113 |
| Return on Equity (ROE) | 9.8556% | 2,414 |
| Retained earnings to average equity (ytd only) | 2.8774% | 4,826 |
| Net charge-offs to loans | 0.5182% | 2,055 |
| Credit loss provision to net charge-offs | 28.7356% | 4,817 |
| Earnings coverage of net charge-offs (x) | 4.0001% | 3,434 |
| Efficiency ratio | 73.1274% | 3,130 |
| Assets per employee ($millions) | 3.2617% | 5,518 |
| Cash dividends to net income (ytd only)* | 70.8044% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9924% | 2,189 |
| Loan loss allowance to noncurrent loans | 90.0102% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.5184% | 3,305 |
| Noncurrent loans to loans | 2.2135% | 2,602 |
| Net loans and leases to total assets | 63.4148% | 3,134 |
| Net loans and leases to deposits | 72.4537% | 3,542 |
| Net loans and leases to core deposits | 73.7741% | 3,999 |
| Total domestic deposits to total assets | 87.5246% | 2,334 |
| Equity capital to assets | 11.5410% | 2,708 |
| Core capital (leverage) ratio | 10.9264% | 2,462 |
| Tier 1 risk-based capital ratio | 19.1809% | 1,953 |
| Total risk-based capital ratio | 20.4440% | 1,923 |
| Memoranda: | ||
| Average total assets | $71,331,250 | 5,657 |
| Average earning assets | $63,403,500 | 5,681 |
| Average equity | $7,738,250 | 5,628 |
| Average total loans | $44,764,250 | 5,357 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1901% | 1,282 |
| Cost of funding earning assets | 0.6999% | 4,014 |
| Net interest margin | 4.4902% | 1,011 |
| Noninterest income to average assets | 0.9408% | 1,644 |
| Noninterest expense to average assets | 3.4838% | 1,820 |
| Loan and lease loss provision to assets | 0.1384% | 3,793 |
| Net operating income to assets | 1.1733% | 1,808 |
| Return on assets (ROA) | 1.1733% | 2,011 |
| Pretax return on assets | 1.2950% | 2,572 |
| Return on Equity (ROE) | 11.0378% | 1,981 |
| Retained earnings to average equity (ytd only) | 3.3061% | 4,405 |
| Net charge-offs to loans | 0.1559% | 3,670 |
| Credit loss provision to net charge-offs | 142.8571% | 1,932 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,689 |
| Efficiency ratio | 70.8497% | 3,627 |
| Assets per employee ($millions) | 3.2058% | 5,639 |
| Cash dividends to net income (ytd only)* | 70.0472% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2846% | 1,614 |
| Loan loss allowance to noncurrent loans | 418.8525% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 5,531 |
| Noncurrent loans to loans | 0.5454% | 5,428 |
| Net loans and leases to total assets | 61.9782% | 3,442 |
| Net loans and leases to deposits | 71.5406% | 3,681 |
| Net loans and leases to core deposits | 74.1510% | 4,013 |
| Total domestic deposits to total assets | 86.6337% | 2,990 |
| Equity capital to assets | 11.0623% | 3,051 |
| Core capital (leverage) ratio | 10.5999% | 2,710 |
| Tier 1 risk-based capital ratio | 18.3161% | 2,192 |
| Total risk-based capital ratio | 19.5821% | 2,153 |
| Memoranda: | ||
| Average total assets | $72,276,670 | 5,658 |
| Average earning assets | $64,006,670 | 5,707 |
| Average equity | $7,682,670 | 5,659 |
| Average total loans | $44,912,670 | 5,386 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0588% | 1,693 |
| Cost of funding earning assets | 0.7271% | 4,049 |
| Net interest margin | 4.3318% | 1,374 |
| Noninterest income to average assets | 0.8476% | 1,954 |
| Noninterest expense to average assets | 3.3629% | 2,110 |
| Loan and lease loss provision to assets | 0.2734% | 2,275 |
| Net operating income to assets | 0.8804% | 3,017 |
| Return on assets (ROA) | 0.8804% | 3,239 |
| Pretax return on assets | 1.0554% | 3,484 |
| Return on Equity (ROE) | 8.4481% | 3,083 |
| Retained earnings to average equity (ytd only) | -0.6297% | 6,095 |
| Net charge-offs to loans | 0.1333% | 3,309 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 16.2000% | 1,380 |
| Efficiency ratio | 71.6783% | 3,499 |
| Assets per employee ($millions) | 3.3468% | 5,459 |
| Cash dividends to net income (ytd only)* | 107.4534% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3134% | 1,652 |
| Loan loss allowance to noncurrent loans | 408.6275% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 5,647 |
| Noncurrent loans to loans | 0.5661% | 5,531 |
| Net loans and leases to total assets | 59.7583% | 3,721 |
| Net loans and leases to deposits | 68.5305% | 3,966 |
| Net loans and leases to core deposits | 70.8991% | 4,309 |
| Total domestic deposits to total assets | 87.1995% | 2,826 |
| Equity capital to assets | 10.3368% | 3,689 |
| Core capital (leverage) ratio | 10.2381% | 3,067 |
| Tier 1 risk-based capital ratio | 17.7545% | 2,380 |
| Total risk-based capital ratio | 19.0191% | 2,352 |
| Memoranda: | ||
| Average total assets | $73,151,000 | 5,677 |
| Average earning assets | $64,916,000 | 5,725 |
| Average equity | $7,623,000 | 5,705 |
| Average total loans | $45,002,000 | 5,419 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 2,817 |
| Cost of funding earning assets | 0.9311% | 3,865 |
| Net interest margin | 4.0832% | 2,510 |
| Noninterest income to average assets | 0.9338% | 1,555 |
| Noninterest expense to average assets | 3.2182% | 2,796 |
| Loan and lease loss provision to assets | 0.4484% | 2,362 |
| Net operating income to assets | 0.9487% | 2,419 |
| Return on assets (ROA) | 0.8560% | 2,944 |
| Pretax return on assets | 0.8639% | 3,729 |
| Return on Equity (ROE) | 8.7259% | 2,577 |
| Retained earnings to average equity (ytd only) | 3.5899% | 3,665 |
| Net charge-offs to loans | 0.4322% | 3,272 |
| Credit loss provision to net charge-offs | 165.8537% | 1,633 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,872 |
| Efficiency ratio | 69.5950% | 4,041 |
| Assets per employee ($millions) | 3.3033% | 5,504 |
| Cash dividends to net income (ytd only)* | 58.8598% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2397% | 1,726 |
| Loan loss allowance to noncurrent loans | 69.6404% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 2.1425% | 2,796 |
| Noncurrent loans to loans | 3.2160% | 2,009 |
| Net loans and leases to total assets | 60.4841% | 3,896 |
| Net loans and leases to deposits | 70.1260% | 4,077 |
| Net loans and leases to core deposits | 72.2457% | 4,487 |
| Total domestic deposits to total assets | 86.2506% | 3,166 |
| Equity capital to assets | 10.5061% | 3,530 |
| Core capital (leverage) ratio | 10.0739% | 3,251 |
| Tier 1 risk-based capital ratio | 18.3650% | 2,087 |
| Total risk-based capital ratio | 19.6313% | 2,047 |
| Memoranda: | ||
| Average total assets | $75,818,600 | 5,576 |
| Average earning assets | $68,524,000 | 5,591 |
| Average equity | $7,437,600 | 5,738 |
| Average total loans | $47,432,800 | 5,365 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 2,999 |
| Cost of funding earning assets | 0.9814% | 3,806 |
| Net interest margin | 4.0374% | 2,741 |
| Noninterest income to average assets | 0.9799% | 1,394 |
| Noninterest expense to average assets | 3.1207% | 3,087 |
| Loan and lease loss provision to assets | 0.4438% | 2,256 |
| Net operating income to assets | 1.0073% | 2,293 |
| Return on assets (ROA) | 0.8911% | 2,929 |
| Pretax return on assets | 0.9433% | 3,605 |
| Return on Equity (ROE) | 9.2397% | 2,486 |
| Retained earnings to average equity (ytd only) | 3.5731% | 4,199 |
| Net charge-offs to loans | 0.3690% | 3,246 |
| Credit loss provision to net charge-offs | 191.7293% | 1,522 |
| Earnings coverage of net charge-offs (x) | 6.5263% | 2,537 |
| Efficiency ratio | 67.3807% | 4,447 |
| Assets per employee ($millions) | 3.3617% | 5,337 |
| Cash dividends to net income (ytd only)* | 61.3286% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1368% | 1,986 |
| Loan loss allowance to noncurrent loans | 65.4809% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 2.3419% | 2,741 |
| Noncurrent loans to loans | 3.2632% | 2,124 |
| Net loans and leases to total assets | 61.5560% | 3,829 |
| Net loans and leases to deposits | 71.6624% | 4,033 |
| Net loans and leases to core deposits | 74.2623% | 4,414 |
| Total domestic deposits to total assets | 85.8972% | 3,267 |
| Equity capital to assets | 10.2533% | 4,016 |
| Core capital (leverage) ratio | 9.6930% | 3,861 |
| Tier 1 risk-based capital ratio | 17.5772% | 2,406 |
| Total risk-based capital ratio | 18.8413% | 2,374 |
| Memoranda: | ||
| Average total assets | $76,605,250 | 5,592 |
| Average earning assets | $69,283,750 | 5,604 |
| Average equity | $7,388,250 | 5,785 |
| Average total loans | $48,050,500 | 5,382 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 3,298 |
| Cost of funding earning assets | 0.9968% | 3,971 |
| Net interest margin | 3.9757% | 2,966 |
| Noninterest income to average assets | 0.9963% | 1,331 |
| Noninterest expense to average assets | 3.0069% | 3,618 |
| Loan and lease loss provision to assets | 0.4388% | 2,240 |
| Net operating income to assets | 1.1058% | 1,854 |
| Return on assets (ROA) | 0.9318% | 2,614 |
| Pretax return on assets | 0.9808% | 3,310 |
| Return on Equity (ROE) | 9.8589% | 2,168 |
| Retained earnings to average equity (ytd only) | 4.3696% | 3,412 |
| Net charge-offs to loans | 0.0535% | 5,116 |
| Credit loss provision to net charge-offs | 1,307.6923% | 266 |
| Earnings coverage of net charge-offs (x) | 47.7692% | 646 |
| Efficiency ratio | 65.2296% | 5,018 |
| Assets per employee ($millions) | 3.7307% | 4,354 |
| Cash dividends to net income (ytd only)* | 55.6787% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 2,071 |
| Loan loss allowance to noncurrent loans | 54.0157% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.5809% | 2,583 |
| Noncurrent loans to loans | 3.9271% | 1,770 |
| Net loans and leases to total assets | 60.6037% | 4,167 |
| Net loans and leases to deposits | 70.8964% | 4,307 |
| Net loans and leases to core deposits | 75.0458% | 4,431 |
| Total domestic deposits to total assets | 85.4822% | 3,634 |
| Equity capital to assets | 9.5794% | 4,689 |
| Core capital (leverage) ratio | 9.6523% | 3,729 |
| Tier 1 risk-based capital ratio | 16.9008% | 2,564 |
| Total risk-based capital ratio | 18.1641% | 2,528 |
| Memoranda: | ||
| Average total assets | $77,488,000 | 5,607 |
| Average earning assets | $70,427,000 | 5,621 |
| Average equity | $7,323,330 | 5,829 |
| Average total loans | $48,561,000 | 5,417 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 3,426 |
| Cost of funding earning assets | 1.0349% | 3,956 |
| Net interest margin | 3.8938% | 3,173 |
| Noninterest income to average assets | 0.7527% | 2,248 |
| Noninterest expense to average assets | 2.9951% | 3,662 |
| Loan and lease loss provision to assets | 0.4412% | 1,998 |
| Net operating income to assets | 0.8046% | 3,007 |
| Return on assets (ROA) | 0.8046% | 3,072 |
| Pretax return on assets | 0.8513% | 3,702 |
| Return on Equity (ROE) | 8.5724% | 2,666 |
| Retained earnings to average equity (ytd only) | 4.0373% | 3,746 |
| Net charge-offs to loans | 0.0659% | 4,263 |
| Credit loss provision to net charge-offs | 1,062.5000% | 365 |
| Earnings coverage of net charge-offs (x) | 31.1250% | 812 |
| Efficiency ratio | 69.8547% | 4,307 |
| Assets per employee ($millions) | 3.6380% | 4,680 |
| Cash dividends to net income (ytd only)* | 52.9032% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9574% | 2,524 |
| Loan loss allowance to noncurrent loans | 55.3353% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 2.3757% | 2,870 |
| Noncurrent loans to loans | 3.5373% | 2,103 |
| Net loans and leases to total assets | 62.2197% | 3,807 |
| Net loans and leases to deposits | 73.0966% | 3,906 |
| Net loans and leases to core deposits | 80.5798% | 3,657 |
| Total domestic deposits to total assets | 85.1198% | 3,983 |
| Equity capital to assets | 9.5396% | 4,383 |
| Core capital (leverage) ratio | 9.4847% | 3,834 |
| Tier 1 risk-based capital ratio | 16.4509% | 2,682 |
| Total risk-based capital ratio | 17.7114% | 2,656 |
| Memoranda: | ||
| Average total assets | $77,059,500 | 5,665 |
| Average earning assets | $69,958,000 | 5,671 |
| Average equity | $7,232,500 | 5,863 |
| Average total loans | $48,587,000 | 5,454 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5581% | 2,055 |
| Cost of funding earning assets | 1.4664% | 2,842 |
| Net interest margin | 4.0917% | 2,606 |
| Noninterest income to average assets | 0.7577% | 2,495 |
| Noninterest expense to average assets | 3.2336% | 2,965 |
| Loan and lease loss provision to assets | 0.7577% | 2,164 |
| Net operating income to assets | 0.3829% | 4,624 |
| Return on assets (ROA) | 0.3236% | 5,017 |
| Pretax return on assets | 0.3353% | 5,128 |
| Return on Equity (ROE) | 3.4392% | 4,777 |
| Retained earnings to average equity (ytd only) | -1.8785% | 5,952 |
| Net charge-offs to loans | 0.7650% | 2,727 |
| Credit loss provision to net charge-offs | 154.6419% | 2,292 |
| Earnings coverage of net charge-offs (x) | 2.3554% | 3,970 |
| Efficiency ratio | 73.6967% | 3,462 |
| Assets per employee ($millions) | 3.3792% | 5,220 |
| Cash dividends to net income (ytd only)* | 154.6185% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 2,890 |
| Loan loss allowance to noncurrent loans | 97.7578% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.3137% | 4,397 |
| Noncurrent loans to loans | 1.8320% | 3,777 |
| Net loans and leases to total assets | 61.5257% | 4,391 |
| Net loans and leases to deposits | 72.5234% | 4,425 |
| Net loans and leases to core deposits | 81.1372% | 4,042 |
| Total domestic deposits to total assets | 84.8357% | 3,933 |
| Equity capital to assets | 9.2342% | 4,781 |
| Core capital (leverage) ratio | 9.1119% | 4,335 |
| Tier 1 risk-based capital ratio | 16.2811% | 2,623 |
| Total risk-based capital ratio | 17.5391% | 2,577 |
| Memoranda: | ||
| Average total assets | $76,943,200 | 5,681 |
| Average earning assets | $68,260,200 | 5,723 |
| Average equity | $7,240,000 | 5,949 |
| Average total loans | $49,284,200 | 5,514 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 1,988 |
| Cost of funding earning assets | 1.5497% | 2,680 |
| Net interest margin | 4.0713% | 2,753 |
| Noninterest income to average assets | 0.7105% | 2,758 |
| Noninterest expense to average assets | 3.0992% | 3,343 |
| Loan and lease loss provision to assets | 0.5785% | 2,616 |
| Net operating income to assets | 0.5821% | 3,950 |
| Return on assets (ROA) | 0.5299% | 4,357 |
| Pretax return on assets | 0.5646% | 4,707 |
| Return on Equity (ROE) | 5.6047% | 4,000 |
| Retained earnings to average equity (ytd only) | 0.2022% | 5,697 |
| Net charge-offs to loans | 0.3587% | 3,867 |
| Credit loss provision to net charge-offs | 250.3759% | 1,327 |
| Earnings coverage of net charge-offs (x) | 5.1880% | 2,821 |
| Efficiency ratio | 72.1099% | 3,676 |
| Assets per employee ($millions) | 3.1443% | 5,818 |
| Cash dividends to net income (ytd only)* | 96.3926% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 2,999 |
| Loan loss allowance to noncurrent loans | 93.1183% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.4681% | 4,251 |
| Noncurrent loans to loans | 1.8779% | 3,830 |
| Net loans and leases to total assets | 61.8991% | 4,553 |
| Net loans and leases to deposits | 73.6825% | 4,566 |
| Net loans and leases to core deposits | 83.8972% | 3,954 |
| Total domestic deposits to total assets | 84.0078% | 4,126 |
| Equity capital to assets | 9.4813% | 4,874 |
| Core capital (leverage) ratio | 9.4835% | 3,931 |
| Tier 1 risk-based capital ratio | 15.8559% | 2,834 |
| Total risk-based capital ratio | 17.1128% | 2,778 |
| Memoranda: | ||
| Average total assets | $76,748,500 | 5,748 |
| Average earning assets | $67,625,500 | 5,810 |
| Average equity | $7,255,750 | 6,026 |
| Average total loans | $49,432,500 | 5,585 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7543% | 1,544 |
| Cost of funding earning assets | 1.5899% | 2,714 |
| Net interest margin | 4.1644% | 2,277 |
| Noninterest income to average assets | 0.6936% | 2,746 |
| Noninterest expense to average assets | 3.0974% | 3,337 |
| Loan and lease loss provision to assets | 0.6121% | 2,348 |
| Net operating income to assets | 0.5799% | 3,950 |
| Return on assets (ROA) | 0.5281% | 4,360 |
| Pretax return on assets | 0.5622% | 4,696 |
| Return on Equity (ROE) | 5.5911% | 3,998 |
| Retained earnings to average equity (ytd only) | -0.5563% | 5,861 |
| Net charge-offs to loans | 0.5506% | 2,881 |
| Credit loss provision to net charge-offs | 171.3235% | 2,285 |
| Earnings coverage of net charge-offs (x) | 3.4412% | 3,321 |
| Efficiency ratio | 71.5847% | 3,876 |
| Assets per employee ($millions) | 3.0569% | 6,021 |
| Cash dividends to net income (ytd only)* | 109.9502% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 3,620 |
| Loan loss allowance to noncurrent loans | 91.0501% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.3897% | 4,396 |
| Noncurrent loans to loans | 1.7145% | 4,117 |
| Net loans and leases to total assets | 62.9570% | 4,476 |
| Net loans and leases to deposits | 76.4256% | 4,251 |
| Net loans and leases to core deposits | 89.1642% | 3,387 |
| Total domestic deposits to total assets | 82.3768% | 4,837 |
| Equity capital to assets | 9.5679% | 4,605 |
| Core capital (leverage) ratio | 9.5384% | 3,763 |
| Tier 1 risk-based capital ratio | 15.7542% | 2,775 |
| Total risk-based capital ratio | 17.0084% | 2,741 |
| Memoranda: | ||
| Average total assets | $76,129,000 | 5,800 |
| Average earning assets | $66,420,330 | 5,890 |
| Average equity | $7,190,000 | 6,074 |
| Average total loans | $49,402,330 | 5,632 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9124% | 1,179 |
| Cost of funding earning assets | 1.5981% | 2,975 |
| Net interest margin | 4.3143% | 1,646 |
| Noninterest income to average assets | 0.6001% | 3,275 |
| Noninterest expense to average assets | 3.0217% | 3,594 |
| Loan and lease loss provision to assets | 0.7002% | 1,817 |
| Net operating income to assets | 0.5859% | 3,957 |
| Return on assets (ROA) | 0.5159% | 4,457 |
| Pretax return on assets | 0.5422% | 4,812 |
| Return on Equity (ROE) | 5.4987% | 4,102 |
| Retained earnings to average equity (ytd only) | -1.8516% | 6,189 |
| Net charge-offs to loans | 0.2577% | 3,391 |
| Credit loss provision to net charge-offs | 415.6250% | 998 |
| Earnings coverage of net charge-offs (x) | 7.8125% | 2,036 |
| Efficiency ratio | 69.6602% | 4,383 |
| Assets per employee ($millions) | 3.1913% | 5,790 |
| Cash dividends to net income (ytd only)* | 133.6735% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 3,700 |
| Loan loss allowance to noncurrent loans | 81.2500% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5250% | 4,212 |
| Noncurrent loans to loans | 1.8950% | 3,929 |
| Net loans and leases to total assets | 64.0380% | 4,319 |
| Net loans and leases to deposits | 77.9071% | 4,061 |
| Net loans and leases to core deposits | 94.7787% | 2,732 |
| Total domestic deposits to total assets | 82.1979% | 4,979 |
| Equity capital to assets | 9.3822% | 4,704 |
| Core capital (leverage) ratio | 9.6148% | 3,624 |
| Tier 1 risk-based capital ratio | 14.7210% | 3,247 |
| Total risk-based capital ratio | 15.9743% | 3,208 |
| Memoranda: | ||
| Average total assets | $75,982,500 | 5,881 |
| Average earning assets | $65,827,500 | 5,972 |
| Average equity | $7,129,000 | 6,145 |
| Average total loans | $49,665,500 | 5,683 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0416% | 1,710 |
| Cost of funding earning assets | 1.6913% | 4,564 |
| Net interest margin | 4.3502% | 1,571 |
| Noninterest income to average assets | 0.6987% | 2,992 |
| Noninterest expense to average assets | 3.0901% | 3,788 |
| Loan and lease loss provision to assets | 0.7155% | 2,967 |
| Net operating income to assets | 0.8891% | 2,216 |
| Return on assets (ROA) | 0.8849% | 2,298 |
| Pretax return on assets | 0.8863% | 2,965 |
| Return on Equity (ROE) | 9.6046% | 1,818 |
| Retained earnings to average equity (ytd only) | 0.8662% | 4,421 |
| Net charge-offs to loans | 0.7498% | 2,951 |
| Credit loss provision to net charge-offs | 142.7374% | 3,376 |
| Earnings coverage of net charge-offs (x) | 3.2039% | 3,454 |
| Efficiency ratio | 65.8020% | 5,429 |
| Assets per employee ($millions) | 3.1405% | 5,890 |
| Cash dividends to net income (ytd only)* | 90.9810% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 4,511 |
| Loan loss allowance to noncurrent loans | 164.4444% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.8345% | 5,436 |
| Noncurrent loans to loans | 0.8179% | 5,651 |
| Net loans and leases to total assets | 64.8110% | 4,411 |
| Net loans and leases to deposits | 79.6082% | 4,065 |
| Net loans and leases to core deposits | 108.8555% | 3,016 |
| Total domestic deposits to total assets | 81.4124% | 5,189 |
| Equity capital to assets | 9.3827% | 4,584 |
| Core capital (leverage) ratio | 9.7790% | 3,356 |
| Tier 1 risk-based capital ratio | 14.9049% | 3,000 |
| Total risk-based capital ratio | 16.1558% | 2,941 |
| Memoranda: | ||
| Average total assets | $71,421,000 | 5,959 |
| Average earning assets | $65,628,800 | 5,939 |
| Average equity | $6,580,200 | 6,399 |
| Average total loans | $47,749,000 | 5,771 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0425% | 1,871 |
| Cost of funding earning assets | 1.7217% | 4,795 |
| Net interest margin | 4.3208% | 1,673 |
| Noninterest income to average assets | 0.7061% | 2,979 |
| Noninterest expense to average assets | 2.9304% | 4,316 |
| Loan and lease loss provision to assets | 0.5433% | 3,220 |
| Net operating income to assets | 1.1582% | 1,566 |
| Return on assets (ROA) | 1.1528% | 1,647 |
| Pretax return on assets | 1.2172% | 2,209 |
| Return on Equity (ROE) | 12.5747% | 1,212 |
| Retained earnings to average equity (ytd only) | 3.6135% | 3,265 |
| Net charge-offs to loans | 0.1015% | 5,656 |
| Credit loss provision to net charge-offs | 797.2222% | 481 |
| Earnings coverage of net charge-offs (x) | 25.9160% | 1,037 |
| Efficiency ratio | 62.3942% | 6,036 |
| Assets per employee ($millions) | 2.8147% | 6,625 |
| Cash dividends to net income (ytd only)* | 71.2641% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5427% | 3,220 |
| Loan loss allowance to noncurrent loans | 176.0369% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 5,118 |
| Noncurrent loans to loans | 0.8764% | 5,537 |
| Net loans and leases to total assets | 66.6266% | 4,277 |
| Net loans and leases to deposits | 83.3798% | 3,760 |
| Net loans and leases to core deposits | 109.5907% | 3,279 |
| Total domestic deposits to total assets | 79.9074% | 5,465 |
| Equity capital to assets | 9.8769% | 4,236 |
| Core capital (leverage) ratio | 10.2899% | 2,986 |
| Tier 1 risk-based capital ratio | 15.2492% | 2,929 |
| Total risk-based capital ratio | 16.5025% | 2,872 |
| Memoranda: | ||
| Average total assets | $70,433,000 | 6,029 |
| Average earning assets | $65,048,500 | 6,003 |
| Average equity | $6,457,250 | 6,502 |
| Average total loans | $47,307,250 | 5,836 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0172% | 2,118 |
| Cost of funding earning assets | 1.7546% | 4,980 |
| Net interest margin | 4.2626% | 1,768 |
| Noninterest income to average assets | 0.7365% | 2,785 |
| Noninterest expense to average assets | 2.8655% | 4,660 |
| Loan and lease loss provision to assets | 0.6560% | 2,462 |
| Net operating income to assets | 1.0892% | 1,811 |
| Return on assets (ROA) | 1.0731% | 1,941 |
| Pretax return on assets | 1.1537% | 2,449 |
| Return on Equity (ROE) | 12.0316% | 1,403 |
| Retained earnings to average equity (ytd only) | 2.6128% | 3,874 |
| Net charge-offs to loans | 0.1460% | 4,723 |
| Credit loss provision to net charge-offs | 670.5882% | 694 |
| Earnings coverage of net charge-offs (x) | 18.6765% | 1,398 |
| Efficiency ratio | 61.0668% | 6,387 |
| Assets per employee ($millions) | 3.2472% | 5,456 |
| Cash dividends to net income (ytd only)* | 78.2842% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 3,521 |
| Loan loss allowance to noncurrent loans | 172.8606% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.9603% | 5,060 |
| Noncurrent loans to loans | 0.8331% | 5,557 |
| Net loans and leases to total assets | 67.7319% | 4,198 |
| Net loans and leases to deposits | 89.0465% | 2,982 |
| Net loans and leases to core deposits | 111.4369% | 3,207 |
| Total domestic deposits to total assets | 76.0635% | 6,534 |
| Equity capital to assets | 9.5396% | 4,557 |
| Core capital (leverage) ratio | 10.3844% | 2,918 |
| Tier 1 risk-based capital ratio | 15.2609% | 2,905 |
| Total risk-based capital ratio | 16.5145% | 2,831 |
| Memoranda: | ||
| Average total assets | $69,517,000 | 6,094 |
| Average earning assets | $64,514,670 | 6,063 |
| Average equity | $6,200,330 | 6,645 |
| Average total loans | $46,569,000 | 5,910 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9989% | 2,369 |
| Cost of funding earning assets | 1.8497% | 4,878 |
| Net interest margin | 4.1493% | 2,094 |
| Noninterest income to average assets | 0.7177% | 2,777 |
| Noninterest expense to average assets | 2.7481% | 4,788 |
| Loan and lease loss provision to assets | 0.5134% | 2,413 |
| Net operating income to assets | 1.2369% | 1,540 |
| Return on assets (ROA) | 1.2369% | 1,650 |
| Pretax return on assets | 1.3303% | 2,178 |
| Return on Equity (ROE) | 14.3900% | 1,090 |
| Retained earnings to average equity (ytd only) | 5.9053% | 2,673 |
| Net charge-offs to loans | 0.0618% | 4,591 |
| Credit loss provision to net charge-offs | 1,257.1429% | 496 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 776 |
| Efficiency ratio | 59.8475% | 6,430 |
| Assets per employee ($millions) | 3.3071% | 5,310 |
| Cash dividends to net income (ytd only)* | 58.9623% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 4,202 |
| Loan loss allowance to noncurrent loans | 106.8345% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1908% | 4,288 |
| Noncurrent loans to loans | 1.1981% | 4,575 |
| Net loans and leases to total assets | 65.9669% | 4,592 |
| Net loans and leases to deposits | 91.0562% | 2,765 |
| Net loans and leases to core deposits | 112.6703% | 3,147 |
| Total domestic deposits to total assets | 72.4464% | 7,143 |
| Equity capital to assets | 9.4629% | 4,727 |
| Core capital (leverage) ratio | 10.7098% | 2,729 |
| Tier 1 risk-based capital ratio | 15.9562% | 2,704 |
| Total risk-based capital ratio | 17.2069% | 2,640 |
| Memoranda: | ||
| Average total assets | $68,556,000 | 6,155 |
| Average earning assets | $64,011,500 | 6,108 |
| Average equity | $5,893,000 | 6,815 |
| Average total loans | $45,306,500 | 5,998 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1998% | 4,517 |
| Cost of funding earning assets | 2.4459% | 4,498 |
| Net interest margin | 3.7538% | 4,211 |
| Noninterest income to average assets | 0.6089% | 3,782 |
| Noninterest expense to average assets | 2.7640% | 4,992 |
| Loan and lease loss provision to assets | 0.2403% | 4,500 |
| Net operating income to assets | 1.0558% | 2,328 |
| Return on assets (ROA) | 1.0527% | 2,235 |
| Pretax return on assets | 1.1056% | 3,007 |
| Return on Equity (ROE) | 12.4197% | 1,472 |
| Retained earnings to average equity (ytd only) | 6.2382% | 1,410 |
| Net charge-offs to loans | -0.0052% | 7,788 |
| Credit loss provision to net charge-offs | -7,500.0000% | 7,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1991% | 4,876 |
| Assets per employee ($millions) | 3.3831% | 4,983 |
| Cash dividends to net income (ytd only)* | 49.7717% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 4,840 |
| Loan loss allowance to noncurrent loans | 76.4531% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 4,356 |
| Noncurrent loans to loans | 1.5179% | 3,513 |
| Net loans and leases to total assets | 64.5739% | 5,156 |
| Net loans and leases to deposits | 89.3972% | 3,552 |
| Net loans and leases to core deposits | 116.6831% | 3,043 |
| Total domestic deposits to total assets | 72.2326% | 6,960 |
| Equity capital to assets | 7.7060% | 7,196 |
| Core capital (leverage) ratio | 8.6811% | 5,232 |
| Tier 1 risk-based capital ratio | 13.1472% | 4,033 |
| Total risk-based capital ratio | 14.3224% | 3,982 |
| Memoranda: | ||
| Average total assets | $62,410,400 | 6,300 |
| Average earning assets | $58,260,200 | 6,251 |
| Average equity | $5,290,000 | 7,046 |
| Average total loans | $38,509,200 | 6,242 |