Home > The First Central National Bank of St. Paris > Performance and Condition Ratios
The First Central National Bank of St. Paris, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5790% | 2,947 |
| Cost of funding earning assets | 0.6364% | 4,021 |
| Net interest margin | 3.9426% | 1,287 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.5697% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0983% | 1,926 |
| Return on assets (ROA) | 1.0983% | 1,896 |
| Pretax return on assets | 1.3337% | 1,785 |
| Return on Equity (ROE) | 6.6300% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.2270% | 2,521 |
| Net charge-offs to loans | 0.0039% | 2,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 697.0000% | 204 |
| Efficiency ratio | 65.8333% | 2,376 |
| Assets per employee ($millions) | 4.4005% | 3,996 |
| Cash dividends to net income (ytd only)* | 21.1672% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 3,577 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 54.6900% | 3,297 |
| Net loans and leases to deposits | 68.6564% | 2,979 |
| Net loans and leases to core deposits | 69.5666% | 3,333 |
| Total domestic deposits to total assets | 79.6500% | 3,518 |
| Equity capital to assets | 18.5165% | 324 |
| Core capital (leverage) ratio | 18.4092% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8101% | 246 |
| Memoranda: | ||
| Average total assets | $104,525,000 | 3,787 |
| Average earning assets | $94,277,600 | 3,795 |
| Average equity | $17,314,000 | 3,069 |
| Average total loans | $51,188,200 | 3,826 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 2,926 |
| Cost of funding earning assets | 0.6120% | 3,948 |
| Net interest margin | 3.8851% | 1,431 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.4473% | 2,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1560% | 1,908 |
| Return on assets (ROA) | 1.1560% | 1,892 |
| Pretax return on assets | 1.4078% | 1,761 |
| Return on Equity (ROE) | 7.1700% | 3,387 |
| Retained earnings to average equity (ytd only) | 6.5030% | 2,462 |
| Net charge-offs to loans | 0.0053% | 2,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 562.0000% | 281 |
| Efficiency ratio | 63.4828% | 2,565 |
| Assets per employee ($millions) | 4.5286% | 3,921 |
| Cash dividends to net income (ytd only)* | 9.3174% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 3,454 |
| Loan loss allowance to noncurrent loans | 2,505.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,626 |
| Noncurrent loans to loans | 0.0392% | 3,485 |
| Net loans and leases to total assets | 50.6700% | 3,574 |
| Net loans and leases to deposits | 62.6807% | 3,358 |
| Net loans and leases to core deposits | 63.5590% | 3,555 |
| Total domestic deposits to total assets | 80.8400% | 3,412 |
| Equity capital to assets | 17.5190% | 371 |
| Core capital (leverage) ratio | 18.0901% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2660% | 242 |
| Memoranda: | ||
| Average total assets | $106,453,500 | 3,787 |
| Average earning assets | $96,297,750 | 3,792 |
| Average equity | $17,161,000 | 3,073 |
| Average total loans | $50,624,250 | 3,846 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 2,690 |
| Cost of funding earning assets | 0.5936% | 3,768 |
| Net interest margin | 3.8900% | 1,445 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.3894% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2067% | 1,818 |
| Return on assets (ROA) | 1.2067% | 1,804 |
| Pretax return on assets | 1.4734% | 1,646 |
| Return on Equity (ROE) | 7.6900% | 3,320 |
| Retained earnings to average equity (ytd only) | 6.6810% | 2,383 |
| Net charge-offs to loans | 0.0119% | 1,750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 494 |
| Efficiency ratio | 61.8571% | 2,732 |
| Assets per employee ($millions) | 4.3326% | 4,043 |
| Cash dividends to net income (ytd only)* | 13.1098% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 3,527 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,636 |
| Noncurrent loans to loans | 0.0388% | 3,452 |
| Net loans and leases to total assets | 49.0300% | 3,621 |
| Net loans and leases to deposits | 59.9072% | 3,424 |
| Net loans and leases to core deposits | 60.6996% | 3,593 |
| Total domestic deposits to total assets | 81.8500% | 3,262 |
| Equity capital to assets | 16.6171% | 405 |
| Core capital (leverage) ratio | 16.4126% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4081% | 254 |
| Memoranda: | ||
| Average total assets | $108,728,333 | 3,785 |
| Average earning assets | $98,713,667 | 3,788 |
| Average equity | $17,063,333 | 3,101 |
| Average total loans | $50,504,333 | 3,856 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,056 |
| Cost of funding earning assets | 0.5541% | 3,520 |
| Net interest margin | 3.6410% | 2,031 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.2538% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1197% | 2,165 |
| Return on assets (ROA) | 1.1197% | 2,133 |
| Pretax return on assets | 1.3681% | 1,967 |
| Return on Equity (ROE) | 7.3400% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.3369% | 2,410 |
| Net charge-offs to loans | 0.0320% | 1,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 812 |
| Efficiency ratio | 62.2266% | 2,657 |
| Assets per employee ($millions) | 4.8120% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,533 |
| Loan loss allowance to noncurrent loans | 2,495.0000% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,634 |
| Noncurrent loans to loans | 0.0400% | 3,456 |
| Net loans and leases to total assets | 44.7600% | 3,831 |
| Net loans and leases to deposits | 53.8823% | 3,694 |
| Net loans and leases to core deposits | 54.5137% | 3,812 |
| Total domestic deposits to total assets | 83.0700% | 3,281 |
| Equity capital to assets | 15.4868% | 443 |
| Core capital (leverage) ratio | 15.8489% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2290% | 239 |
| Memoranda: | ||
| Average total assets | $111,101,000 | 3,813 |
| Average earning assets | $101,072,500 | 3,812 |
| Average equity | $16,955,500 | 3,132 |
| Average total loans | $50,014,500 | 3,905 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0824% | 4,023 |
| Cost of funding earning assets | 0.2066% | 3,702 |
| Net interest margin | 2.8758% | 3,739 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.2170% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7674% | 3,430 |
| Return on assets (ROA) | 0.7674% | 3,373 |
| Pretax return on assets | 0.9076% | 3,337 |
| Return on Equity (ROE) | 5.1900% | 3,984 |
| Retained earnings to average equity (ytd only) | 3.2446% | 3,645 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.9540% | 1,570 |
| Assets per employee ($millions) | 5.0694% | 3,621 |
| Cash dividends to net income (ytd only)* | 37.4566% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 3,623 |
| Loan loss allowance to noncurrent loans | 1,884.0000% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,615 |
| Noncurrent loans to loans | 0.0500% | 3,399 |
| Net loans and leases to total assets | 44.4000% | 3,873 |
| Net loans and leases to deposits | 53.2183% | 3,726 |
| Net loans and leases to core deposits | 53.8362% | 3,814 |
| Total domestic deposits to total assets | 83.4300% | 3,327 |
| Equity capital to assets | 15.0376% | 467 |
| Core capital (leverage) ratio | 15.2289% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2173% | 278 |
| Memoranda: | ||
| Average total assets | $112,719,400 | 3,802 |
| Average earning assets | $103,587,000 | 3,801 |
| Average equity | $16,673,800 | 3,227 |
| Average total loans | $48,422,000 | 3,920 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7216% | 4,278 |
| Cost of funding earning assets | 0.1779% | 3,538 |
| Net interest margin | 2.5438% | 4,173 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.1860% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6076% | 3,815 |
| Return on assets (ROA) | 0.6076% | 3,770 |
| Pretax return on assets | 0.6984% | 3,803 |
| Return on Equity (ROE) | 4.1200% | 4,134 |
| Retained earnings to average equity (ytd only) | 2.7628% | 3,844 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.7873% | 1,097 |
| Assets per employee ($millions) | 4.5910% | 3,989 |
| Cash dividends to net income (ytd only)* | 33.0097% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 3,690 |
| Loan loss allowance to noncurrent loans | 798.3051% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 3,368 |
| Noncurrent loans to loans | 0.1189% | 3,051 |
| Net loans and leases to total assets | 42.8100% | 3,948 |
| Net loans and leases to deposits | 50.7682% | 3,804 |
| Net loans and leases to core deposits | 51.4702% | 3,879 |
| Total domestic deposits to total assets | 84.3200% | 3,425 |
| Equity capital to assets | 14.3717% | 525 |
| Core capital (leverage) ratio | 14.9644% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2653% | 305 |
| Memoranda: | ||
| Average total assets | $113,017,500 | 3,821 |
| Average earning assets | $104,200,500 | 3,815 |
| Average equity | $16,649,500 | 3,263 |
| Average total loans | $48,030,250 | 3,946 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4670% | 4,405 |
| Cost of funding earning assets | 0.1619% | 3,417 |
| Net interest margin | 2.3051% | 4,329 |
| Noninterest income to average assets | 0.6671% | 1,473 |
| Noninterest expense to average assets | 2.1346% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5906% | 3,653 |
| Return on assets (ROA) | 0.5906% | 3,595 |
| Pretax return on assets | 0.6600% | 3,685 |
| Return on Equity (ROE) | 3.9758% | 4,041 |
| Retained earnings to average equity (ytd only) | 2.7783% | 3,520 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3845% | 1,237 |
| Assets per employee ($millions) | 5.1501% | 3,548 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 3,667 |
| Loan loss allowance to noncurrent loans | 356.8182% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 2,889 |
| Noncurrent loans to loans | 0.2758% | 2,370 |
| Net loans and leases to total assets | 41.8206% | 3,986 |
| Net loans and leases to deposits | 49.6969% | 3,821 |
| Net loans and leases to core deposits | 50.4493% | 3,913 |
| Total domestic deposits to total assets | 84.1513% | 3,662 |
| Equity capital to assets | 14.6792% | 437 |
| Core capital (leverage) ratio | 14.8463% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8299% | 298 |
| Memoranda: | ||
| Average total assets | $112,432,000 | 3,871 |
| Average earning assets | $103,769,667 | 3,870 |
| Average equity | $16,701,000 | 3,340 |
| Average total loans | $47,505,333 | 4,004 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0968% | 4,580 |
| Cost of funding earning assets | 0.1664% | 3,274 |
| Net interest margin | 1.9305% | 4,560 |
| Noninterest income to average assets | 1.0572% | 618 |
| Noninterest expense to average assets | 2.1536% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5786% | 3,473 |
| Return on assets (ROA) | 0.5786% | 3,447 |
| Pretax return on assets | 0.6857% | 3,430 |
| Return on Equity (ROE) | 3.8720% | 3,912 |
| Retained earnings to average equity (ytd only) | 3.7525% | 3,028 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8491% | 1,544 |
| Assets per employee ($millions) | 4.9477% | 3,796 |
| Cash dividends to net income (ytd only)* | 3.0864% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 3,644 |
| Loan loss allowance to noncurrent loans | 535.2273% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,295 |
| Noncurrent loans to loans | 0.1901% | 2,867 |
| Net loans and leases to total assets | 40.2585% | 3,993 |
| Net loans and leases to deposits | 47.8890% | 3,873 |
| Net loans and leases to core deposits | 48.6111% | 3,955 |
| Total domestic deposits to total assets | 84.0664% | 3,753 |
| Equity capital to assets | 14.6586% | 431 |
| Core capital (leverage) ratio | 14.9944% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3808% | 528 |
| Memoranda: | ||
| Average total assets | $111,996,500 | 3,892 |
| Average earning assets | $103,393,500 | 3,893 |
| Average equity | $16,735,500 | 3,420 |
| Average total loans | $47,330,500 | 4,021 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3557% | 4,561 |
| Cost of funding earning assets | 0.2831% | 2,568 |
| Net interest margin | 2.0726% | 4,557 |
| Noninterest income to average assets | 0.4925% | 2,606 |
| Noninterest expense to average assets | 2.0860% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2959% | 4,423 |
| Return on assets (ROA) | 0.2959% | 4,448 |
| Pretax return on assets | 0.3258% | 4,465 |
| Return on Equity (ROE) | 1.8486% | 4,516 |
| Retained earnings to average equity (ytd only) | -1.9715% | 4,625 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4907% | 445 |
| Assets per employee ($millions) | 5.0089% | 3,718 |
| Cash dividends to net income (ytd only)* | 206.6456% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 3,859 |
| Loan loss allowance to noncurrent loans | 288.9571% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 2,907 |
| Noncurrent loans to loans | 0.3369% | 2,377 |
| Net loans and leases to total assets | 43.4734% | 3,873 |
| Net loans and leases to deposits | 52.1761% | 3,724 |
| Net loans and leases to core deposits | 53.0027% | 3,828 |
| Total domestic deposits to total assets | 83.3206% | 3,735 |
| Equity capital to assets | 15.2365% | 464 |
| Core capital (leverage) ratio | 15.1404% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0438% | 490 |
| Memoranda: | ||
| Average total assets | $106,809,400 | 3,922 |
| Average earning assets | $98,908,400 | 3,919 |
| Average equity | $17,093,800 | 3,457 |
| Average total loans | $48,870,200 | 4,023 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3796% | 4,639 |
| Cost of funding earning assets | 0.3054% | 2,541 |
| Net interest margin | 2.0741% | 4,642 |
| Noninterest income to average assets | 0.3825% | 3,195 |
| Noninterest expense to average assets | 2.0686% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2265% | 4,603 |
| Return on assets (ROA) | 0.2265% | 4,627 |
| Pretax return on assets | 0.2366% | 4,645 |
| Return on Equity (ROE) | 1.3978% | 4,652 |
| Retained earnings to average equity (ytd only) | -0.6989% | 4,635 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7380% | 329 |
| Assets per employee ($millions) | 5.6437% | 3,045 |
| Cash dividends to net income (ytd only)* | 150.0000% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 3,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 45.3866% | 3,838 |
| Net loans and leases to deposits | 54.9213% | 3,660 |
| Net loans and leases to core deposits | 55.8196% | 3,788 |
| Total domestic deposits to total assets | 82.6392% | 3,791 |
| Equity capital to assets | 15.9442% | 423 |
| Core capital (leverage) ratio | 15.6742% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3014% | 468 |
| Memoranda: | ||
| Average total assets | $105,962,750 | 3,984 |
| Average earning assets | $98,223,000 | 3,975 |
| Average equity | $17,169,750 | 3,491 |
| Average total loans | $48,993,500 | 4,077 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4009% | 4,673 |
| Cost of funding earning assets | 0.3170% | 2,621 |
| Net interest margin | 2.0839% | 4,661 |
| Noninterest income to average assets | 0.3354% | 3,420 |
| Noninterest expense to average assets | 2.0845% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1819% | 4,650 |
| Return on assets (ROA) | 0.1819% | 4,667 |
| Pretax return on assets | 0.1819% | 4,682 |
| Return on Equity (ROE) | 1.1167% | 4,687 |
| Retained earnings to average equity (ytd only) | 0.3024% | 4,462 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9732% | 295 |
| Assets per employee ($millions) | 5.7054% | 2,889 |
| Cash dividends to net income (ytd only)* | 72.9167% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 3,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 44.6080% | 4,000 |
| Net loans and leases to deposits | 53.8084% | 3,866 |
| Net loans and leases to core deposits | 54.5871% | 3,988 |
| Total domestic deposits to total assets | 82.9016% | 3,728 |
| Equity capital to assets | 15.7156% | 440 |
| Core capital (leverage) ratio | 15.7108% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1187% | 477 |
| Memoranda: | ||
| Average total assets | $105,540,333 | 4,005 |
| Average earning assets | $97,795,333 | 3,993 |
| Average equity | $17,194,000 | 3,492 |
| Average total loans | $48,945,000 | 4,103 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4508% | 4,685 |
| Cost of funding earning assets | 0.3323% | 2,686 |
| Net interest margin | 2.1185% | 4,668 |
| Noninterest income to average assets | 0.2920% | 3,663 |
| Noninterest expense to average assets | 2.1554% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0961% | 4,716 |
| Return on assets (ROA) | 0.0961% | 4,726 |
| Pretax return on assets | 0.0961% | 4,733 |
| Return on Equity (ROE) | 0.5789% | 4,746 |
| Retained earnings to average equity (ytd only) | 0.5789% | 4,292 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7338% | 252 |
| Assets per employee ($millions) | 5.5892% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,983 |
| Loan loss allowance to noncurrent loans | 475.7576% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 3,723 |
| Noncurrent loans to loans | 0.2025% | 3,384 |
| Net loans and leases to total assets | 45.5954% | 3,989 |
| Net loans and leases to deposits | 55.2929% | 3,841 |
| Net loans and leases to core deposits | 56.1138% | 3,963 |
| Total domestic deposits to total assets | 82.4615% | 3,804 |
| Equity capital to assets | 16.2550% | 364 |
| Core capital (leverage) ratio | 16.5965% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8750% | 689 |
| Memoranda: | ||
| Average total assets | $104,109,500 | 4,027 |
| Average earning assets | $96,293,500 | 4,019 |
| Average equity | $17,273,000 | 3,492 |
| Average total loans | $49,004,000 | 4,123 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9699% | 4,653 |
| Cost of funding earning assets | 0.4673% | 3,170 |
| Net interest margin | 2.5025% | 4,591 |
| Noninterest income to average assets | 0.4016% | 3,080 |
| Noninterest expense to average assets | 2.2224% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4220% | 4,205 |
| Return on assets (ROA) | 0.4220% | 4,282 |
| Pretax return on assets | 0.4772% | 4,308 |
| Return on Equity (ROE) | 2.4007% | 4,508 |
| Retained earnings to average equity (ytd only) | 1.2381% | 4,129 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3240% | 730 |
| Assets per employee ($millions) | 5.1012% | 3,281 |
| Cash dividends to net income (ytd only)* | 48.4262% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 4,006 |
| Loan loss allowance to noncurrent loans | 1,023.9130% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,119 |
| Noncurrent loans to loans | 0.0937% | 3,921 |
| Net loans and leases to total assets | 47.6809% | 3,997 |
| Net loans and leases to deposits | 58.4589% | 3,864 |
| Net loans and leases to core deposits | 59.3801% | 3,982 |
| Total domestic deposits to total assets | 81.5632% | 3,752 |
| Equity capital to assets | 16.9411% | 342 |
| Core capital (leverage) ratio | 16.9144% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1472% | 650 |
| Memoranda: | ||
| Average total assets | $97,868,400 | 4,029 |
| Average earning assets | $89,869,000 | 4,031 |
| Average equity | $17,203,400 | 3,437 |
| Average total loans | $49,757,000 | 4,116 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0769% | 4,683 |
| Cost of funding earning assets | 0.4925% | 3,270 |
| Net interest margin | 2.5844% | 4,584 |
| Noninterest income to average assets | 0.4213% | 2,978 |
| Noninterest expense to average assets | 2.2651% | 3,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4613% | 4,142 |
| Return on assets (ROA) | 0.4613% | 4,211 |
| Pretax return on assets | 0.5260% | 4,231 |
| Return on Equity (ROE) | 2.5994% | 4,459 |
| Retained earnings to average equity (ytd only) | 2.0407% | 3,920 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1544% | 782 |
| Assets per employee ($millions) | 4.8527% | 3,428 |
| Cash dividends to net income (ytd only)* | 21.4925% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 3,986 |
| Loan loss allowance to noncurrent loans | 495.7895% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 3,942 |
| Noncurrent loans to loans | 0.1870% | 3,642 |
| Net loans and leases to total assets | 51.8711% | 3,975 |
| Net loans and leases to deposits | 64.4127% | 3,763 |
| Net loans and leases to core deposits | 65.7503% | 3,905 |
| Total domestic deposits to total assets | 80.5294% | 3,763 |
| Equity capital to assets | 17.8859% | 309 |
| Core capital (leverage) ratio | 17.6223% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6175% | 541 |
| Memoranda: | ||
| Average total assets | $96,829,500 | 4,036 |
| Average earning assets | $88,788,250 | 4,042 |
| Average equity | $17,183,250 | 3,447 |
| Average total loans | $49,917,000 | 4,134 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1560% | 4,751 |
| Cost of funding earning assets | 0.5234% | 3,393 |
| Net interest margin | 2.6326% | 4,625 |
| Noninterest income to average assets | 0.4713% | 2,705 |
| Noninterest expense to average assets | 2.3151% | 3,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4961% | 4,035 |
| Return on assets (ROA) | 0.4961% | 4,105 |
| Pretax return on assets | 0.5684% | 4,123 |
| Return on Equity (ROE) | 2.8030% | 4,385 |
| Retained earnings to average equity (ytd only) | 1.9621% | 3,774 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2867% | 873 |
| Assets per employee ($millions) | 4.6594% | 3,585 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 3,913 |
| Loan loss allowance to noncurrent loans | 485.5670% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 4,035 |
| Noncurrent loans to loans | 0.1896% | 3,702 |
| Net loans and leases to total assets | 51.8018% | 4,042 |
| Net loans and leases to deposits | 64.1510% | 3,870 |
| Net loans and leases to core deposits | 65.4803% | 3,990 |
| Total domestic deposits to total assets | 80.7497% | 3,670 |
| Equity capital to assets | 17.6549% | 326 |
| Core capital (leverage) ratio | 17.3484% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5628% | 424 |
| Memoranda: | ||
| Average total assets | $96,754,667 | 4,040 |
| Average earning assets | $88,656,333 | 4,046 |
| Average equity | $17,124,667 | 3,461 |
| Average total loans | $49,618,000 | 4,152 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4279% | 4,712 |
| Cost of funding earning assets | 0.5721% | 3,583 |
| Net interest margin | 2.8558% | 4,495 |
| Noninterest income to average assets | 0.3201% | 3,604 |
| Noninterest expense to average assets | 2.3366% | 3,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5197% | 3,844 |
| Return on assets (ROA) | 0.5197% | 3,901 |
| Pretax return on assets | 0.5987% | 3,920 |
| Return on Equity (ROE) | 2.9326% | 4,234 |
| Retained earnings to average equity (ytd only) | 2.9326% | 3,113 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6034% | 1,180 |
| Assets per employee ($millions) | 4.6100% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,864 |
| Loan loss allowance to noncurrent loans | 841.0714% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 4,301 |
| Noncurrent loans to loans | 0.1149% | 4,061 |
| Net loans and leases to total assets | 49.8445% | 4,250 |
| Net loans and leases to deposits | 61.8384% | 4,108 |
| Net loans and leases to core deposits | 63.1346% | 4,223 |
| Total domestic deposits to total assets | 80.6045% | 3,743 |
| Equity capital to assets | 17.7841% | 372 |
| Core capital (leverage) ratio | 17.7169% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0027% | 390 |
| Memoranda: | ||
| Average total assets | $96,208,000 | 4,045 |
| Average earning assets | $88,100,500 | 4,050 |
| Average equity | $17,049,500 | 3,468 |
| Average total loans | $48,848,000 | 4,177 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,649 |
| Cost of funding earning assets | 0.5833% | 3,705 |
| Net interest margin | 3.1454% | 4,295 |
| Noninterest income to average assets | 0.3204% | 3,773 |
| Noninterest expense to average assets | 2.2754% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7708% | 3,641 |
| Return on assets (ROA) | 0.7708% | 3,721 |
| Pretax return on assets | 0.9188% | 3,682 |
| Return on Equity (ROE) | 4.4159% | 4,367 |
| Retained earnings to average equity (ytd only) | 3.0954% | 3,474 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2347% | 1,983 |
| Assets per employee ($millions) | 4.3457% | 3,443 |
| Cash dividends to net income (ytd only)* | 29.9040% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 3,690 |
| Loan loss allowance to noncurrent loans | 336.4286% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 3,907 |
| Noncurrent loans to loans | 0.2859% | 3,420 |
| Net loans and leases to total assets | 50.7285% | 4,293 |
| Net loans and leases to deposits | 62.8877% | 4,144 |
| Net loans and leases to core deposits | 64.2218% | 4,267 |
| Total domestic deposits to total assets | 80.6652% | 3,840 |
| Equity capital to assets | 17.6581% | 397 |
| Core capital (leverage) ratio | 17.7883% | 355 |
| Tier 1 risk-based capital ratio | 28.4600% | 537 |
| Total risk-based capital ratio | 29.2532% | 546 |
| Memoranda: | ||
| Average total assets | $94,578,400 | 4,081 |
| Average earning assets | $86,411,200 | 4,093 |
| Average equity | $16,508,600 | 3,494 |
| Average total loans | $48,903,400 | 4,206 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 4,723 |
| Cost of funding earning assets | 0.5754% | 3,795 |
| Net interest margin | 3.1772% | 4,351 |
| Noninterest income to average assets | 0.3166% | 3,859 |
| Noninterest expense to average assets | 2.2744% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7916% | 3,696 |
| Return on assets (ROA) | 0.7916% | 3,772 |
| Pretax return on assets | 0.9457% | 3,750 |
| Return on Equity (ROE) | 4.5485% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.9718% | 3,409 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6321% | 2,033 |
| Assets per employee ($millions) | 4.4379% | 3,300 |
| Cash dividends to net income (ytd only)* | 12.6780% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,637 |
| Loan loss allowance to noncurrent loans | 142.2961% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 3,084 |
| Noncurrent loans to loans | 0.6946% | 2,218 |
| Net loans and leases to total assets | 50.6304% | 4,390 |
| Net loans and leases to deposits | 63.1398% | 4,229 |
| Net loans and leases to core deposits | 64.1501% | 4,358 |
| Total domestic deposits to total assets | 80.1878% | 3,952 |
| Equity capital to assets | 18.1179% | 386 |
| Core capital (leverage) ratio | 17.9994% | 354 |
| Tier 1 risk-based capital ratio | 30.5194% | 469 |
| Total risk-based capital ratio | 31.3710% | 472 |
| Memoranda: | ||
| Average total assets | $94,321,750 | 4,130 |
| Average earning assets | $86,194,750 | 4,146 |
| Average equity | $16,415,250 | 3,527 |
| Average total loans | $48,886,750 | 4,258 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7410% | 4,782 |
| Cost of funding earning assets | 0.5592% | 3,842 |
| Net interest margin | 3.1818% | 4,397 |
| Noninterest income to average assets | 0.3147% | 3,824 |
| Noninterest expense to average assets | 2.2831% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7878% | 3,698 |
| Return on assets (ROA) | 0.7878% | 3,755 |
| Pretax return on assets | 0.9398% | 3,744 |
| Return on Equity (ROE) | 4.5883% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.7149% | 3,401 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8388% | 2,090 |
| Assets per employee ($millions) | 4.6996% | 2,880 |
| Cash dividends to net income (ytd only)* | 19.0349% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,806 |
| Loan loss allowance to noncurrent loans | 186.9048% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 3,486 |
| Noncurrent loans to loans | 0.5160% | 2,734 |
| Net loans and leases to total assets | 51.4586% | 4,390 |
| Net loans and leases to deposits | 63.8298% | 4,234 |
| Net loans and leases to core deposits | 64.8351% | 4,370 |
| Total domestic deposits to total assets | 80.6186% | 3,912 |
| Equity capital to assets | 17.7707% | 401 |
| Core capital (leverage) ratio | 17.6662% | 364 |
| Tier 1 risk-based capital ratio | 29.8993% | 484 |
| Total risk-based capital ratio | 30.7429% | 489 |
| Memoranda: | ||
| Average total assets | $94,697,330 | 4,147 |
| Average earning assets | $86,553,670 | 4,164 |
| Average equity | $16,258,670 | 3,540 |
| Average total loans | $49,297,000 | 4,273 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 4,872 |
| Cost of funding earning assets | 0.5517% | 3,817 |
| Net interest margin | 3.1309% | 4,528 |
| Noninterest income to average assets | 0.3156% | 3,746 |
| Noninterest expense to average assets | 2.2557% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7743% | 3,704 |
| Return on assets (ROA) | 0.7743% | 3,749 |
| Pretax return on assets | 0.9258% | 3,673 |
| Return on Equity (ROE) | 4.5895% | 4,448 |
| Retained earnings to average equity (ytd only) | 4.5895% | 3,087 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8995% | 2,204 |
| Assets per employee ($millions) | 4.7888% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 3,897 |
| Loan loss allowance to noncurrent loans | 724.6154% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 4,479 |
| Noncurrent loans to loans | 0.1333% | 4,138 |
| Net loans and leases to total assets | 50.4223% | 4,437 |
| Net loans and leases to deposits | 61.8732% | 4,308 |
| Net loans and leases to core deposits | 63.0230% | 4,429 |
| Total domestic deposits to total assets | 81.4931% | 3,858 |
| Equity capital to assets | 17.0566% | 439 |
| Core capital (leverage) ratio | 17.5523% | 366 |
| Tier 1 risk-based capital ratio | 28.2525% | 544 |
| Total risk-based capital ratio | 29.0552% | 560 |
| Memoranda: | ||
| Average total assets | $95,050,000 | 4,183 |
| Average earning assets | $87,004,000 | 4,201 |
| Average equity | $16,036,500 | 3,579 |
| Average total loans | $49,526,500 | 4,312 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 4,619 |
| Cost of funding earning assets | 0.5166% | 3,246 |
| Net interest margin | 3.2157% | 4,455 |
| Noninterest income to average assets | 0.3347% | 3,877 |
| Noninterest expense to average assets | 2.3473% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7719% | 3,908 |
| Return on assets (ROA) | 0.7719% | 3,911 |
| Pretax return on assets | 0.9187% | 3,847 |
| Return on Equity (ROE) | 4.7408% | 4,519 |
| Retained earnings to average equity (ytd only) | 3.3789% | 3,727 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8720% | 1,919 |
| Assets per employee ($millions) | 4.4917% | 3,189 |
| Cash dividends to net income (ytd only)* | 28.7278% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,013 |
| Loan loss allowance to noncurrent loans | 713.6364% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,476 |
| Noncurrent loans to loans | 0.1312% | 4,148 |
| Net loans and leases to total assets | 52.8163% | 4,365 |
| Net loans and leases to deposits | 64.5583% | 4,218 |
| Net loans and leases to core deposits | 66.1282% | 4,346 |
| Total domestic deposits to total assets | 81.8118% | 3,691 |
| Equity capital to assets | 16.6838% | 446 |
| Core capital (leverage) ratio | 17.3377% | 376 |
| Tier 1 risk-based capital ratio | 27.3053% | 598 |
| Total risk-based capital ratio | 28.0900% | 614 |
| Memoranda: | ||
| Average total assets | $94,703,000 | 4,190 |
| Average earning assets | $86,325,800 | 4,214 |
| Average equity | $15,419,200 | 3,584 |
| Average total loans | $50,407,600 | 4,310 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 4,665 |
| Cost of funding earning assets | 0.5038% | 3,174 |
| Net interest margin | 3.1899% | 4,533 |
| Noninterest income to average assets | 0.3376% | 3,901 |
| Noninterest expense to average assets | 2.3277% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7665% | 4,024 |
| Return on assets (ROA) | 0.7665% | 4,033 |
| Pretax return on assets | 0.9128% | 3,976 |
| Return on Equity (ROE) | 4.7370% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.1634% | 3,694 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8316% | 1,910 |
| Assets per employee ($millions) | 4.6990% | 2,851 |
| Cash dividends to net income (ytd only)* | 12.1104% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 4,203 |
| Loan loss allowance to noncurrent loans | 713.6364% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 4,628 |
| Noncurrent loans to loans | 0.1284% | 4,309 |
| Net loans and leases to total assets | 54.2068% | 4,352 |
| Net loans and leases to deposits | 66.0534% | 4,195 |
| Net loans and leases to core deposits | 68.3423% | 4,281 |
| Total domestic deposits to total assets | 82.0651% | 3,589 |
| Equity capital to assets | 16.4196% | 470 |
| Core capital (leverage) ratio | 17.4120% | 380 |
| Tier 1 risk-based capital ratio | 27.5301% | 597 |
| Total risk-based capital ratio | 28.3232% | 614 |
| Memoranda: | ||
| Average total assets | $94,797,500 | 4,227 |
| Average earning assets | $86,270,250 | 4,262 |
| Average equity | $15,339,750 | 3,616 |
| Average total loans | $50,437,000 | 4,355 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6117% | 4,748 |
| Cost of funding earning assets | 0.4893% | 3,095 |
| Net interest margin | 3.1225% | 4,683 |
| Noninterest income to average assets | 0.3534% | 3,801 |
| Noninterest expense to average assets | 2.3393% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7258% | 4,115 |
| Return on assets (ROA) | 0.7258% | 4,121 |
| Pretax return on assets | 0.8604% | 4,079 |
| Return on Equity (ROE) | 4.5071% | 4,693 |
| Retained earnings to average equity (ytd only) | 3.6579% | 3,767 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1098% | 1,832 |
| Assets per employee ($millions) | 5.5616% | 1,833 |
| Cash dividends to net income (ytd only)* | 18.8406% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 4,202 |
| Loan loss allowance to noncurrent loans | 713.6364% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,668 |
| Noncurrent loans to loans | 0.1305% | 4,322 |
| Net loans and leases to total assets | 53.0112% | 4,410 |
| Net loans and leases to deposits | 64.4237% | 4,257 |
| Net loans and leases to core deposits | 66.5821% | 4,342 |
| Total domestic deposits to total assets | 82.2852% | 3,635 |
| Equity capital to assets | 16.2172% | 471 |
| Core capital (leverage) ratio | 17.0840% | 385 |
| Tier 1 risk-based capital ratio | 26.5866% | 630 |
| Total risk-based capital ratio | 27.3619% | 649 |
| Memoranda: | ||
| Average total assets | $95,070,330 | 4,265 |
| Average earning assets | $86,662,330 | 4,283 |
| Average equity | $15,309,330 | 3,645 |
| Average total loans | $50,111,330 | 4,400 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 4,806 |
| Cost of funding earning assets | 0.4691% | 3,053 |
| Net interest margin | 3.0723% | 4,759 |
| Noninterest income to average assets | 0.3315% | 3,936 |
| Noninterest expense to average assets | 2.3371% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6755% | 4,187 |
| Return on assets (ROA) | 0.6755% | 4,191 |
| Pretax return on assets | 0.7972% | 4,157 |
| Return on Equity (ROE) | 4.2098% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.2098% | 3,505 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5649% | 1,813 |
| Assets per employee ($millions) | 5.3065% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 4,245 |
| Loan loss allowance to noncurrent loans | 692.6471% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 4,445 |
| Noncurrent loans to loans | 0.1364% | 4,355 |
| Net loans and leases to total assets | 51.7112% | 4,457 |
| Net loans and leases to deposits | 62.6823% | 4,290 |
| Net loans and leases to core deposits | 64.9634% | 4,371 |
| Total domestic deposits to total assets | 82.4974% | 3,815 |
| Equity capital to assets | 15.9647% | 489 |
| Core capital (leverage) ratio | 16.9588% | 386 |
| Tier 1 risk-based capital ratio | 25.6295% | 713 |
| Total risk-based capital ratio | 26.3825% | 731 |
| Memoranda: | ||
| Average total assets | $95,331,500 | 4,297 |
| Average earning assets | $86,970,000 | 4,324 |
| Average equity | $15,297,500 | 3,671 |
| Average total loans | $49,871,000 | 4,448 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6676% | 4,415 |
| Cost of funding earning assets | 0.4766% | 2,532 |
| Net interest margin | 3.1910% | 4,468 |
| Noninterest income to average assets | 0.4493% | 3,313 |
| Noninterest expense to average assets | 2.3275% | 4,262 |
| Loan and lease loss provision to assets | 0.0323% | 3,623 |
| Net operating income to assets | 0.6530% | 3,806 |
| Return on assets (ROA) | 0.6530% | 3,845 |
| Pretax return on assets | 0.9967% | 3,583 |
| Return on Equity (ROE) | 3.9354% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.6106% | 3,758 |
| Net charge-offs to loans | 0.0863% | 2,230 |
| Credit loss provision to net charge-offs | 68.1818% | 3,114 |
| Earnings coverage of net charge-offs (x) | 21.7045% | 1,888 |
| Efficiency ratio | 69.3419% | 2,648 |
| Assets per employee ($millions) | 5.2859% | 2,164 |
| Cash dividends to net income (ytd only)* | 33.6634% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 4,247 |
| Loan loss allowance to noncurrent loans | 354.1353% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 4,152 |
| Noncurrent loans to loans | 0.2667% | 3,832 |
| Net loans and leases to total assets | 51.9276% | 4,518 |
| Net loans and leases to deposits | 63.0416% | 4,378 |
| Net loans and leases to core deposits | 65.5874% | 4,437 |
| Total domestic deposits to total assets | 82.3703% | 3,766 |
| Equity capital to assets | 16.1289% | 500 |
| Core capital (leverage) ratio | 16.6350% | 398 |
| Tier 1 risk-based capital ratio | 25.9781% | 667 |
| Total risk-based capital ratio | 26.7491% | 679 |
| Memoranda: | ||
| Average total assets | $92,803,200 | 4,375 |
| Average earning assets | $84,550,200 | 4,387 |
| Average equity | $15,398,600 | 3,669 |
| Average total loans | $50,997,400 | 4,433 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 4,391 |
| Cost of funding earning assets | 0.4727% | 2,491 |
| Net interest margin | 3.1982% | 4,452 |
| Noninterest income to average assets | 0.4872% | 3,103 |
| Noninterest expense to average assets | 2.3654% | 4,104 |
| Loan and lease loss provision to assets | 0.0390% | 3,328 |
| Net operating income to assets | 0.7403% | 3,773 |
| Return on assets (ROA) | 0.7403% | 3,846 |
| Pretax return on assets | 0.9976% | 3,700 |
| Return on Equity (ROE) | 4.4294% | 4,737 |
| Retained earnings to average equity (ytd only) | 3.8584% | 3,628 |
| Net charge-offs to loans | -0.0104% | 4,645 |
| Credit loss provision to net charge-offs | -675.0000% | 4,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5283% | 2,618 |
| Assets per employee ($millions) | 4.8734% | 2,601 |
| Cash dividends to net income (ytd only)* | 12.8909% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 4,020 |
| Loan loss allowance to noncurrent loans | 335.0649% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 4,441 |
| Noncurrent loans to loans | 0.3001% | 3,867 |
| Net loans and leases to total assets | 54.8680% | 4,333 |
| Net loans and leases to deposits | 67.3181% | 4,160 |
| Net loans and leases to core deposits | 70.1281% | 4,235 |
| Total domestic deposits to total assets | 81.5055% | 3,918 |
| Equity capital to assets | 16.9707% | 432 |
| Core capital (leverage) ratio | 17.2521% | 361 |
| Tier 1 risk-based capital ratio | 26.8041% | 630 |
| Total risk-based capital ratio | 27.6733% | 642 |
| Memoranda: | ||
| Average total assets | $92,217,500 | 4,425 |
| Average earning assets | $84,045,000 | 4,439 |
| Average equity | $15,411,750 | 3,701 |
| Average total loans | $51,277,250 | 4,463 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 4,314 |
| Cost of funding earning assets | 0.4625% | 2,479 |
| Net interest margin | 3.2086% | 4,394 |
| Noninterest income to average assets | 0.5516% | 2,706 |
| Noninterest expense to average assets | 2.3976% | 4,055 |
| Loan and lease loss provision to assets | 0.0391% | 3,232 |
| Net operating income to assets | 0.7666% | 3,562 |
| Return on assets (ROA) | 0.7666% | 3,608 |
| Pretax return on assets | 1.0381% | 3,412 |
| Return on Equity (ROE) | 4.6111% | 4,626 |
| Retained earnings to average equity (ytd only) | 3.7489% | 3,467 |
| Net charge-offs to loans | -0.0117% | 4,588 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0000% | 2,854 |
| Assets per employee ($millions) | 4.8565% | 2,581 |
| Cash dividends to net income (ytd only)* | 18.6969% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 4,173 |
| Loan loss allowance to noncurrent loans | 213.5021% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 4,096 |
| Noncurrent loans to loans | 0.4666% | 3,340 |
| Net loans and leases to total assets | 54.5035% | 4,352 |
| Net loans and leases to deposits | 66.7897% | 4,165 |
| Net loans and leases to core deposits | 69.0511% | 4,294 |
| Total domestic deposits to total assets | 81.6046% | 4,017 |
| Equity capital to assets | 16.8923% | 416 |
| Core capital (leverage) ratio | 17.0030% | 370 |
| Tier 1 risk-based capital ratio | 27.1460% | 604 |
| Total risk-based capital ratio | 28.0179% | 608 |
| Memoranda: | ||
| Average total assets | $92,091,670 | 4,462 |
| Average earning assets | $83,899,000 | 4,468 |
| Average equity | $15,311,000 | 3,723 |
| Average total loans | $51,262,670 | 4,485 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 4,161 |
| Cost of funding earning assets | 0.4550% | 2,485 |
| Net interest margin | 3.2278% | 4,252 |
| Noninterest income to average assets | 0.7304% | 1,828 |
| Noninterest expense to average assets | 2.3913% | 4,138 |
| Loan and lease loss provision to assets | 0.0391% | 3,018 |
| Net operating income to assets | 0.8956% | 2,783 |
| Return on assets (ROA) | 0.8956% | 2,830 |
| Pretax return on assets | 1.2304% | 2,474 |
| Return on Equity (ROE) | 5.4307% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.4307% | 2,646 |
| Net charge-offs to loans | -0.0233% | 4,823 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3207% | 3,611 |
| Assets per employee ($millions) | 4.6339% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 4,450 |
| Loan loss allowance to noncurrent loans | 217.9825% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 4,236 |
| Noncurrent loans to loans | 0.4444% | 3,503 |
| Net loans and leases to total assets | 54.8227% | 4,267 |
| Net loans and leases to deposits | 66.9557% | 4,094 |
| Net loans and leases to core deposits | 69.2028% | 4,209 |
| Total domestic deposits to total assets | 81.8790% | 4,197 |
| Equity capital to assets | 16.5597% | 425 |
| Core capital (leverage) ratio | 17.1372% | 355 |
| Tier 1 risk-based capital ratio | 26.1334% | 681 |
| Total risk-based capital ratio | 26.9620% | 692 |
| Memoranda: | ||
| Average total assets | $92,001,000 | 4,501 |
| Average earning assets | $83,524,500 | 4,516 |
| Average equity | $15,173,000 | 3,764 |
| Average total loans | $51,495,000 | 4,518 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 3,904 |
| Cost of funding earning assets | 0.4828% | 2,232 |
| Net interest margin | 3.3202% | 4,085 |
| Noninterest income to average assets | 0.3857% | 3,993 |
| Noninterest expense to average assets | 2.4468% | 4,174 |
| Loan and lease loss provision to assets | 0.0405% | 3,570 |
| Net operating income to assets | 0.7095% | 3,739 |
| Return on assets (ROA) | 0.7095% | 3,859 |
| Pretax return on assets | 0.9299% | 3,734 |
| Return on Equity (ROE) | 4.1379% | 4,786 |
| Retained earnings to average equity (ytd only) | 2.8395% | 3,873 |
| Net charge-offs to loans | 0.0038% | 4,119 |
| Credit loss provision to net charge-offs | 1,800.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 431.5000% | 189 |
| Efficiency ratio | 71.6025% | 2,651 |
| Assets per employee ($millions) | 4.8066% | 2,640 |
| Cash dividends to net income (ytd only)* | 31.3788% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 4,625 |
| Loan loss allowance to noncurrent loans | 312.9032% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 4,643 |
| Noncurrent loans to loans | 0.2999% | 4,070 |
| Net loans and leases to total assets | 56.0635% | 4,263 |
| Net loans and leases to deposits | 68.2466% | 4,066 |
| Net loans and leases to core deposits | 70.0765% | 4,239 |
| Total domestic deposits to total assets | 82.1484% | 4,032 |
| Equity capital to assets | 16.4238% | 443 |
| Core capital (leverage) ratio | 16.9618% | 362 |
| Tier 1 risk-based capital ratio | 26.3456% | 666 |
| Total risk-based capital ratio | 27.1716% | 685 |
| Memoranda: | ||
| Average total assets | $88,931,000 | 4,563 |
| Average earning assets | $81,200,400 | 4,562 |
| Average equity | $15,249,200 | 3,784 |
| Average total loans | $52,545,000 | 4,506 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 3,851 |
| Cost of funding earning assets | 0.4893% | 2,183 |
| Net interest margin | 3.3358% | 4,074 |
| Noninterest income to average assets | 0.3924% | 3,975 |
| Noninterest expense to average assets | 2.4950% | 3,997 |
| Loan and lease loss provision to assets | 0.0408% | 3,422 |
| Net operating income to assets | 0.7019% | 3,841 |
| Return on assets (ROA) | 0.7019% | 3,970 |
| Pretax return on assets | 0.9132% | 3,933 |
| Return on Equity (ROE) | 4.0490% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.4744% | 3,816 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3414% | 2,526 |
| Assets per employee ($millions) | 4.6742% | 2,793 |
| Cash dividends to net income (ytd only)* | 14.1940% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 4,882 |
| Loan loss allowance to noncurrent loans | 605.0633% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 5,086 |
| Noncurrent loans to loans | 0.1483% | 4,751 |
| Net loans and leases to total assets | 59.4534% | 3,945 |
| Net loans and leases to deposits | 73.4180% | 3,651 |
| Net loans and leases to core deposits | 76.0423% | 3,831 |
| Total domestic deposits to total assets | 80.9794% | 4,256 |
| Equity capital to assets | 17.5027% | 393 |
| Core capital (leverage) ratio | 17.4132% | 336 |
| Tier 1 risk-based capital ratio | 26.2953% | 692 |
| Total risk-based capital ratio | 27.1096% | 709 |
| Memoranda: | ||
| Average total assets | $88,332,500 | 4,613 |
| Average earning assets | $80,937,250 | 4,605 |
| Average equity | $15,311,750 | 3,804 |
| Average total loans | $52,760,000 | 4,535 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 3,993 |
| Cost of funding earning assets | 0.4896% | 2,192 |
| Net interest margin | 3.2989% | 4,235 |
| Noninterest income to average assets | 0.3901% | 3,949 |
| Noninterest expense to average assets | 2.5064% | 4,008 |
| Loan and lease loss provision to assets | 0.0408% | 3,343 |
| Net operating income to assets | 0.6623% | 3,987 |
| Return on assets (ROA) | 0.6623% | 4,131 |
| Pretax return on assets | 0.8687% | 4,052 |
| Return on Equity (ROE) | 3.8334% | 4,977 |
| Retained earnings to average equity (ytd only) | 2.9407% | 4,044 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3732% | 2,458 |
| Assets per employee ($millions) | 4.4252% | 3,174 |
| Cash dividends to net income (ytd only)* | 23.2877% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 5,004 |
| Loan loss allowance to noncurrent loans | 679.7101% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 5,218 |
| Noncurrent loans to loans | 0.1302% | 4,917 |
| Net loans and leases to total assets | 59.3600% | 3,969 |
| Net loans and leases to deposits | 73.2281% | 3,682 |
| Net loans and leases to core deposits | 75.9597% | 3,828 |
| Total domestic deposits to total assets | 81.0619% | 4,257 |
| Equity capital to assets | 17.4162% | 383 |
| Core capital (leverage) ratio | 17.1901% | 351 |
| Tier 1 risk-based capital ratio | 25.6911% | 747 |
| Total risk-based capital ratio | 26.4806% | 776 |
| Memoranda: | ||
| Average total assets | $88,173,670 | 4,653 |
| Average earning assets | $80,874,670 | 4,645 |
| Average equity | $15,234,330 | 3,832 |
| Average total loans | $52,587,330 | 4,568 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,036 |
| Cost of funding earning assets | 0.4962% | 2,140 |
| Net interest margin | 3.2796% | 4,304 |
| Noninterest income to average assets | 0.3818% | 3,974 |
| Noninterest expense to average assets | 2.4679% | 4,173 |
| Loan and lease loss provision to assets | 0.0409% | 3,103 |
| Net operating income to assets | 0.6681% | 3,882 |
| Return on assets (ROA) | 0.6681% | 4,002 |
| Pretax return on assets | 0.8772% | 3,945 |
| Return on Equity (ROE) | 3.8826% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.8826% | 3,554 |
| Net charge-offs to loans | 0.0076% | 2,861 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 301 |
| Efficiency ratio | 72.8859% | 2,662 |
| Assets per employee ($millions) | 4.4176% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 5,141 |
| Loan loss allowance to noncurrent loans | 4,590.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 5,621 |
| Noncurrent loans to loans | 0.0190% | 5,430 |
| Net loans and leases to total assets | 58.9732% | 3,923 |
| Net loans and leases to deposits | 72.5622% | 3,596 |
| Net loans and leases to core deposits | 75.2633% | 3,752 |
| Total domestic deposits to total assets | 81.2726% | 4,411 |
| Equity capital to assets | 17.2797% | 399 |
| Core capital (leverage) ratio | 17.2435% | 351 |
| Tier 1 risk-based capital ratio | 25.3021% | 788 |
| Total risk-based capital ratio | 26.0670% | 816 |
| Memoranda: | ||
| Average total assets | $88,008,500 | 4,695 |
| Average earning assets | $80,619,500 | 4,689 |
| Average equity | $15,144,500 | 3,855 |
| Average total loans | $52,378,500 | 4,605 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7689% | 4,139 |
| Cost of funding earning assets | 0.4596% | 2,538 |
| Net interest margin | 3.3093% | 4,259 |
| Noninterest income to average assets | 0.4014% | 4,027 |
| Noninterest expense to average assets | 2.5184% | 4,167 |
| Loan and lease loss provision to assets | 0.0489% | 3,352 |
| Net operating income to assets | 0.6651% | 3,975 |
| Return on assets (ROA) | 0.6651% | 4,061 |
| Pretax return on assets | 0.8630% | 3,978 |
| Return on Equity (ROE) | 3.9531% | 4,966 |
| Retained earnings to average equity (ytd only) | 2.6894% | 4,158 |
| Net charge-offs to loans | 0.1105% | 2,271 |
| Credit loss provision to net charge-offs | 74.1379% | 3,056 |
| Earnings coverage of net charge-offs (x) | 13.8276% | 2,345 |
| Efficiency ratio | 73.4173% | 2,671 |
| Assets per employee ($millions) | 4.1745% | 3,619 |
| Cash dividends to net income (ytd only)* | 31.9658% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 5,218 |
| Loan loss allowance to noncurrent loans | 2,818.7500% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 5,625 |
| Noncurrent loans to loans | 0.0307% | 5,386 |
| Net loans and leases to total assets | 59.0236% | 3,966 |
| Net loans and leases to deposits | 72.5068% | 3,665 |
| Net loans and leases to core deposits | 74.9508% | 3,854 |
| Total domestic deposits to total assets | 81.4042% | 4,368 |
| Equity capital to assets | 17.1357% | 393 |
| Core capital (leverage) ratio | 16.9252% | 371 |
| Tier 1 risk-based capital ratio | 25.3674% | 783 |
| Total risk-based capital ratio | 26.1283% | 811 |
| Memoranda: | ||
| Average total assets | $87,952,400 | 4,713 |
| Average earning assets | $80,500,000 | 4,704 |
| Average equity | $14,798,600 | 3,865 |
| Average total loans | $52,489,000 | 4,596 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 4,226 |
| Cost of funding earning assets | 0.4552% | 2,636 |
| Net interest margin | 3.3036% | 4,324 |
| Noninterest income to average assets | 0.4014% | 4,073 |
| Noninterest expense to average assets | 2.5356% | 4,094 |
| Loan and lease loss provision to assets | 0.0515% | 3,172 |
| Net operating income to assets | 0.6498% | 4,133 |
| Return on assets (ROA) | 0.6498% | 4,244 |
| Pretax return on assets | 0.8376% | 4,213 |
| Return on Equity (ROE) | 3.8798% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.3281% | 4,102 |
| Net charge-offs to loans | 0.1471% | 1,660 |
| Credit loss provision to net charge-offs | 58.6207% | 2,925 |
| Earnings coverage of net charge-offs (x) | 10.1209% | 2,625 |
| Efficiency ratio | 74.0380% | 2,549 |
| Assets per employee ($millions) | 4.1580% | 3,602 |
| Cash dividends to net income (ytd only)* | 14.2188% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 5,441 |
| Loan loss allowance to noncurrent loans | 306.9444% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 5,096 |
| Noncurrent loans to loans | 0.2702% | 4,609 |
| Net loans and leases to total assets | 60.5190% | 3,806 |
| Net loans and leases to deposits | 74.4397% | 3,495 |
| Net loans and leases to core deposits | 77.2144% | 3,677 |
| Total domestic deposits to total assets | 81.2994% | 4,394 |
| Equity capital to assets | 17.2450% | 409 |
| Core capital (leverage) ratio | 17.0781% | 375 |
| Tier 1 risk-based capital ratio | 25.3262% | 826 |
| Total risk-based capital ratio | 26.0722% | 861 |
| Memoranda: | ||
| Average total assets | $88,024,250 | 4,767 |
| Average earning assets | $80,556,750 | 4,764 |
| Average equity | $14,742,750 | 3,914 |
| Average total loans | $52,562,750 | 4,646 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,340 |
| Cost of funding earning assets | 0.4485% | 2,746 |
| Net interest margin | 3.2756% | 4,394 |
| Noninterest income to average assets | 0.4011% | 4,075 |
| Noninterest expense to average assets | 2.5878% | 3,945 |
| Loan and lease loss provision to assets | 0.0567% | 2,967 |
| Net operating income to assets | 0.5937% | 4,380 |
| Return on assets (ROA) | 0.5937% | 4,469 |
| Pretax return on assets | 0.7523% | 4,485 |
| Return on Equity (ROE) | 3.5798% | 5,188 |
| Retained earnings to average equity (ytd only) | 2.7463% | 4,306 |
| Net charge-offs to loans | 0.1949% | 1,287 |
| Credit loss provision to net charge-offs | 49.0196% | 2,717 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,709 |
| Efficiency ratio | 76.1841% | 2,325 |
| Assets per employee ($millions) | 4.2170% | 3,439 |
| Cash dividends to net income (ytd only)* | 23.2824% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8415% | 5,491 |
| Loan loss allowance to noncurrent loans | 229.1667% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 5,000 |
| Noncurrent loans to loans | 0.3672% | 4,389 |
| Net loans and leases to total assets | 58.5505% | 4,033 |
| Net loans and leases to deposits | 71.3637% | 3,777 |
| Net loans and leases to core deposits | 73.9637% | 3,959 |
| Total domestic deposits to total assets | 82.0453% | 4,285 |
| Equity capital to assets | 16.5997% | 457 |
| Core capital (leverage) ratio | 16.6130% | 399 |
| Tier 1 risk-based capital ratio | 25.3904% | 824 |
| Total risk-based capital ratio | 26.1503% | 860 |
| Memoranda: | ||
| Average total assets | $88,259,670 | 4,809 |
| Average earning assets | $80,717,670 | 4,811 |
| Average equity | $14,637,670 | 3,944 |
| Average total loans | $52,321,670 | 4,696 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 4,319 |
| Cost of funding earning assets | 0.4473% | 2,796 |
| Net interest margin | 3.2655% | 4,365 |
| Noninterest income to average assets | 0.4177% | 3,861 |
| Noninterest expense to average assets | 2.6466% | 3,755 |
| Loan and lease loss provision to assets | 0.0272% | 3,341 |
| Net operating income to assets | 0.5765% | 4,379 |
| Return on assets (ROA) | 0.5765% | 4,483 |
| Pretax return on assets | 0.7264% | 4,520 |
| Return on Equity (ROE) | 3.4779% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.4779% | 3,908 |
| Net charge-offs to loans | 0.4738% | 525 |
| Credit loss provision to net charge-offs | 9.6774% | 2,433 |
| Earnings coverage of net charge-offs (x) | 2.6774% | 2,718 |
| Efficiency ratio | 77.8371% | 2,209 |
| Assets per employee ($millions) | 3.8364% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 5,713 |
| Loan loss allowance to noncurrent loans | 145.3901% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 4,705 |
| Noncurrent loans to loans | 0.5449% | 3,949 |
| Net loans and leases to total assets | 58.1835% | 3,918 |
| Net loans and leases to deposits | 70.9910% | 3,642 |
| Net loans and leases to core deposits | 73.5362% | 3,822 |
| Total domestic deposits to total assets | 81.9590% | 4,521 |
| Equity capital to assets | 16.7604% | 462 |
| Core capital (leverage) ratio | 16.8304% | 374 |
| Tier 1 risk-based capital ratio | 25.6722% | 819 |
| Total risk-based capital ratio | 26.3839% | 853 |
| Memoranda: | ||
| Average total assets | $88,111,500 | 4,857 |
| Average earning assets | $80,477,500 | 4,853 |
| Average equity | $14,606,500 | 3,974 |
| Average total loans | $52,337,500 | 4,724 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 4,395 |
| Cost of funding earning assets | 0.4154% | 3,534 |
| Net interest margin | 3.4139% | 4,141 |
| Noninterest income to average assets | 0.4166% | 4,067 |
| Noninterest expense to average assets | 2.5732% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7431% | 3,663 |
| Return on assets (ROA) | 0.7431% | 3,762 |
| Pretax return on assets | 0.9689% | 3,615 |
| Return on Equity (ROE) | 4.5185% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.1736% | 3,978 |
| Net charge-offs to loans | 0.0137% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 118.2857% | 448 |
| Efficiency ratio | 72.6462% | 3,096 |
| Assets per employee ($millions) | 3.8254% | 4,302 |
| Cash dividends to net income (ytd only)* | 29.7638% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 5,527 |
| Loan loss allowance to noncurrent loans | 192.5620% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 4,933 |
| Noncurrent loans to loans | 0.4573% | 4,281 |
| Net loans and leases to total assets | 59.6227% | 3,836 |
| Net loans and leases to deposits | 72.4672% | 3,623 |
| Net loans and leases to core deposits | 75.3299% | 3,786 |
| Total domestic deposits to total assets | 82.2754% | 4,320 |
| Equity capital to assets | 16.3937% | 488 |
| Core capital (leverage) ratio | 16.9351% | 376 |
| Tier 1 risk-based capital ratio | 24.2350% | 925 |
| Total risk-based capital ratio | 25.0066% | 962 |
| Memoranda: | ||
| Average total assets | $85,456,800 | 4,927 |
| Average earning assets | $78,239,600 | 4,918 |
| Average equity | $14,053,400 | 4,012 |
| Average total loans | $51,070,800 | 4,782 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 4,445 |
| Cost of funding earning assets | 0.4049% | 3,736 |
| Net interest margin | 3.4225% | 4,137 |
| Noninterest income to average assets | 0.4244% | 4,064 |
| Noninterest expense to average assets | 2.5872% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7466% | 3,684 |
| Return on assets (ROA) | 0.7466% | 3,784 |
| Pretax return on assets | 0.9730% | 3,705 |
| Return on Equity (ROE) | 4.5364% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.9539% | 3,834 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6711% | 3,065 |
| Assets per employee ($millions) | 3.6224% | 4,631 |
| Cash dividends to net income (ytd only)* | 12.8418% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 5,531 |
| Loan loss allowance to noncurrent loans | 150.4762% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 4,791 |
| Noncurrent loans to loans | 0.6119% | 4,090 |
| Net loans and leases to total assets | 61.2163% | 3,589 |
| Net loans and leases to deposits | 75.1149% | 3,295 |
| Net loans and leases to core deposits | 77.9636% | 3,542 |
| Total domestic deposits to total assets | 81.4970% | 4,663 |
| Equity capital to assets | 17.1504% | 409 |
| Core capital (leverage) ratio | 17.2685% | 345 |
| Tier 1 risk-based capital ratio | 25.9515% | 793 |
| Total risk-based capital ratio | 26.7938% | 815 |
| Memoranda: | ||
| Average total assets | $84,824,750 | 5,002 |
| Average earning assets | $77,718,750 | 4,986 |
| Average equity | $13,960,750 | 4,049 |
| Average total loans | $50,607,250 | 4,844 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,645 |
| Cost of funding earning assets | 0.3907% | 3,988 |
| Net interest margin | 3.3733% | 4,298 |
| Noninterest income to average assets | 0.4219% | 4,076 |
| Noninterest expense to average assets | 2.5877% | 4,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7172% | 3,743 |
| Return on assets (ROA) | 0.7172% | 3,841 |
| Pretax return on assets | 0.9305% | 3,759 |
| Return on Equity (ROE) | 4.4183% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.5376% | 3,950 |
| Net charge-offs to loans | -0.0040% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5510% | 3,053 |
| Assets per employee ($millions) | 3.6769% | 4,491 |
| Cash dividends to net income (ytd only)* | 19.9346% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 5,672 |
| Loan loss allowance to noncurrent loans | 313.9073% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 5,606 |
| Noncurrent loans to loans | 0.2924% | 5,140 |
| Net loans and leases to total assets | 60.5004% | 3,634 |
| Net loans and leases to deposits | 73.7946% | 3,347 |
| Net loans and leases to core deposits | 76.2458% | 3,606 |
| Total domestic deposits to total assets | 81.9849% | 4,657 |
| Equity capital to assets | 16.7096% | 451 |
| Core capital (leverage) ratio | 16.6114% | 397 |
| Tier 1 risk-based capital ratio | 25.7143% | 804 |
| Total risk-based capital ratio | 26.5586% | 822 |
| Memoranda: | ||
| Average total assets | $85,327,670 | 5,034 |
| Average earning assets | $78,320,330 | 5,015 |
| Average equity | $13,851,330 | 4,071 |
| Average total loans | $50,317,330 | 4,886 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 4,785 |
| Cost of funding earning assets | 0.3814% | 4,181 |
| Net interest margin | 3.3362% | 4,392 |
| Noninterest income to average assets | 0.4200% | 4,031 |
| Noninterest expense to average assets | 2.5762% | 4,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7001% | 3,690 |
| Return on assets (ROA) | 0.7001% | 3,768 |
| Pretax return on assets | 0.9054% | 3,680 |
| Return on Equity (ROE) | 4.3759% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.3759% | 3,499 |
| Net charge-offs to loans | -0.0081% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9946% | 3,145 |
| Assets per employee ($millions) | 3.7451% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 5,681 |
| Loan loss allowance to noncurrent loans | 1,128.5714% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 6,131 |
| Noncurrent loans to loans | 0.0847% | 5,880 |
| Net loans and leases to total assets | 57.0445% | 3,999 |
| Net loans and leases to deposits | 69.0670% | 3,729 |
| Net loans and leases to core deposits | 71.2533% | 3,954 |
| Total domestic deposits to total assets | 82.5930% | 4,756 |
| Equity capital to assets | 16.1253% | 510 |
| Core capital (leverage) ratio | 16.5021% | 421 |
| Tier 1 risk-based capital ratio | 25.3325% | 857 |
| Total risk-based capital ratio | 26.1698% | 882 |
| Memoranda: | ||
| Average total assets | $85,707,500 | 5,071 |
| Average earning assets | $78,652,000 | 5,059 |
| Average equity | $13,711,500 | 4,104 |
| Average total loans | $49,657,000 | 4,943 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 4,719 |
| Cost of funding earning assets | 0.4541% | 4,071 |
| Net interest margin | 3.3709% | 4,400 |
| Noninterest income to average assets | 0.5365% | 3,508 |
| Noninterest expense to average assets | 2.6048% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7659% | 3,462 |
| Return on assets (ROA) | 0.7659% | 3,557 |
| Pretax return on assets | 1.0059% | 3,327 |
| Return on Equity (ROE) | 4.7568% | 4,741 |
| Retained earnings to average equity (ytd only) | 3.5000% | 3,736 |
| Net charge-offs to loans | 0.0345% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 50.2941% | 788 |
| Efficiency ratio | 72.1408% | 3,450 |
| Assets per employee ($millions) | 3.5532% | 4,796 |
| Cash dividends to net income (ytd only)* | 26.4209% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 5,753 |
| Loan loss allowance to noncurrent loans | 606.4103% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 6,070 |
| Noncurrent loans to loans | 0.1569% | 5,725 |
| Net loans and leases to total assets | 57.7295% | 4,082 |
| Net loans and leases to deposits | 69.7289% | 3,817 |
| Net loans and leases to core deposits | 71.9621% | 4,073 |
| Total domestic deposits to total assets | 82.7914% | 4,613 |
| Equity capital to assets | 15.8695% | 544 |
| Core capital (leverage) ratio | 16.4761% | 419 |
| Tier 1 risk-based capital ratio | 25.0547% | 844 |
| Total risk-based capital ratio | 25.8898% | 881 |
| Memoranda: | ||
| Average total assets | $84,997,400 | 5,116 |
| Average earning assets | $77,516,800 | 5,103 |
| Average equity | $13,685,600 | 4,129 |
| Average total loans | $49,253,400 | 4,994 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 4,722 |
| Cost of funding earning assets | 0.4620% | 4,149 |
| Net interest margin | 3.3723% | 4,391 |
| Noninterest income to average assets | 0.4490% | 4,165 |
| Noninterest expense to average assets | 2.5888% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7159% | 3,779 |
| Return on assets (ROA) | 0.7159% | 3,909 |
| Pretax return on assets | 0.9310% | 3,756 |
| Return on Equity (ROE) | 4.4301% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.8958% | 3,914 |
| Net charge-offs to loans | 0.0434% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 37.0675% | 1,060 |
| Efficiency ratio | 73.5504% | 3,132 |
| Assets per employee ($millions) | 3.5067% | 4,838 |
| Cash dividends to net income (ytd only)* | 12.0613% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 5,885 |
| Loan loss allowance to noncurrent loans | 423.2143% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 6,044 |
| Noncurrent loans to loans | 0.2268% | 5,666 |
| Net loans and leases to total assets | 58.1048% | 3,993 |
| Net loans and leases to deposits | 70.4412% | 3,722 |
| Net loans and leases to core deposits | 72.4652% | 4,036 |
| Total domestic deposits to total assets | 82.4869% | 4,765 |
| Equity capital to assets | 16.2037% | 514 |
| Core capital (leverage) ratio | 16.6507% | 418 |
| Tier 1 risk-based capital ratio | 26.1889% | 774 |
| Total risk-based capital ratio | 27.0685% | 790 |
| Memoranda: | ||
| Average total assets | $84,927,500 | 5,165 |
| Average earning assets | $77,334,500 | 5,158 |
| Average equity | $13,723,750 | 4,170 |
| Average total loans | $49,141,000 | 5,040 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 4,833 |
| Cost of funding earning assets | 0.4731% | 4,169 |
| Net interest margin | 3.3271% | 4,460 |
| Noninterest income to average assets | 0.4484% | 4,170 |
| Noninterest expense to average assets | 2.5803% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6973% | 3,816 |
| Return on assets (ROA) | 0.6973% | 3,993 |
| Pretax return on assets | 0.9063% | 3,882 |
| Return on Equity (ROE) | 4.3192% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.5193% | 4,084 |
| Net charge-offs to loans | -0.0041% | 5,601 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0067% | 3,128 |
| Assets per employee ($millions) | 3.5616% | 4,725 |
| Cash dividends to net income (ytd only)* | 18.5185% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 5,823 |
| Loan loss allowance to noncurrent loans | 287.1345% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 5,895 |
| Noncurrent loans to loans | 0.3481% | 5,422 |
| Net loans and leases to total assets | 56.9024% | 4,151 |
| Net loans and leases to deposits | 68.5829% | 3,923 |
| Net loans and leases to core deposits | 70.5189% | 4,216 |
| Total domestic deposits to total assets | 82.9687% | 4,705 |
| Equity capital to assets | 15.7959% | 558 |
| Core capital (leverage) ratio | 16.1666% | 446 |
| Tier 1 risk-based capital ratio | 25.7958% | 795 |
| Total risk-based capital ratio | 26.7035% | 807 |
| Memoranda: | ||
| Average total assets | $85,183,330 | 5,182 |
| Average earning assets | $77,784,330 | 5,176 |
| Average equity | $13,752,670 | 4,200 |
| Average total loans | $49,063,000 | 5,067 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 4,936 |
| Cost of funding earning assets | 0.4940% | 4,143 |
| Net interest margin | 3.2730% | 4,620 |
| Noninterest income to average assets | 0.3998% | 4,457 |
| Noninterest expense to average assets | 2.4648% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6962% | 3,704 |
| Return on assets (ROA) | 0.6962% | 3,848 |
| Pretax return on assets | 0.9267% | 3,666 |
| Return on Equity (ROE) | 4.2657% | 4,964 |
| Retained earnings to average equity (ytd only) | 4.2657% | 3,669 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6768% | 3,488 |
| Assets per employee ($millions) | 3.4451% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 5,932 |
| Loan loss allowance to noncurrent loans | 347.5177% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 6,080 |
| Noncurrent loans to loans | 0.2922% | 5,677 |
| Net loans and leases to total assets | 55.4565% | 4,176 |
| Net loans and leases to deposits | 67.1272% | 3,896 |
| Net loans and leases to core deposits | 69.0247% | 4,182 |
| Total domestic deposits to total assets | 82.6140% | 4,983 |
| Equity capital to assets | 16.1819% | 530 |
| Core capital (leverage) ratio | 16.0321% | 449 |
| Tier 1 risk-based capital ratio | 25.4143% | 848 |
| Total risk-based capital ratio | 26.3127% | 870 |
| Memoranda: | ||
| Average total assets | $85,036,000 | 5,231 |
| Average earning assets | $77,726,000 | 5,214 |
| Average equity | $13,878,000 | 4,221 |
| Average total loans | $49,029,500 | 5,091 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 5,035 |
| Cost of funding earning assets | 0.6220% | 4,162 |
| Net interest margin | 3.4535% | 4,692 |
| Noninterest income to average assets | 0.4159% | 4,487 |
| Noninterest expense to average assets | 2.6660% | 4,522 |
| Loan and lease loss provision to assets | 0.0122% | 5,761 |
| Net operating income to assets | 0.6915% | 3,777 |
| Return on assets (ROA) | 0.6915% | 4,041 |
| Pretax return on assets | 0.9001% | 3,921 |
| Return on Equity (ROE) | 4.1490% | 5,081 |
| Retained earnings to average equity (ytd only) | 2.9416% | 4,157 |
| Net charge-offs to loans | 0.1767% | 3,959 |
| Credit loss provision to net charge-offs | 11.7647% | 5,378 |
| Earnings coverage of net charge-offs (x) | 8.8000% | 2,351 |
| Efficiency ratio | 74.5058% | 2,987 |
| Assets per employee ($millions) | 3.3578% | 5,310 |
| Cash dividends to net income (ytd only)* | 29.1005% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 6,016 |
| Loan loss allowance to noncurrent loans | 204.1667% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 5,828 |
| Noncurrent loans to loans | 0.4819% | 5,320 |
| Net loans and leases to total assets | 58.7480% | 3,846 |
| Net loans and leases to deposits | 71.4114% | 3,508 |
| Net loans and leases to core deposits | 73.5018% | 3,849 |
| Total domestic deposits to total assets | 82.2670% | 5,002 |
| Equity capital to assets | 16.4620% | 484 |
| Core capital (leverage) ratio | 16.1255% | 437 |
| Tier 1 risk-based capital ratio | 26.2863% | 748 |
| Total risk-based capital ratio | 27.2257% | 764 |
| Memoranda: | ||
| Average total assets | $81,994,400 | 5,300 |
| Average earning assets | $75,082,600 | 5,276 |
| Average equity | $13,666,000 | 4,228 |
| Average total loans | $48,104,000 | 5,175 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 5,132 |
| Cost of funding earning assets | 0.6377% | 4,295 |
| Net interest margin | 3.4776% | 4,724 |
| Noninterest income to average assets | 0.4171% | 4,503 |
| Noninterest expense to average assets | 2.6680% | 4,509 |
| Loan and lease loss provision to assets | 0.0164% | 5,601 |
| Net operating income to assets | 0.7050% | 3,894 |
| Return on assets (ROA) | 0.7050% | 4,134 |
| Pretax return on assets | 0.9177% | 4,036 |
| Return on Equity (ROE) | 4.2168% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.6787% | 4,298 |
| Net charge-offs to loans | 0.2377% | 3,298 |
| Credit loss provision to net charge-offs | 11.7647% | 5,058 |
| Earnings coverage of net charge-offs (x) | 6.7176% | 2,730 |
| Efficiency ratio | 74.0690% | 2,972 |
| Assets per employee ($millions) | 3.2948% | 5,448 |
| Cash dividends to net income (ytd only)* | 12.7608% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,049 |
| Loan loss allowance to noncurrent loans | 171.5789% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 5,476 |
| Noncurrent loans to loans | 0.5875% | 5,264 |
| Net loans and leases to total assets | 58.3035% | 4,084 |
| Net loans and leases to deposits | 71.2057% | 3,717 |
| Net loans and leases to core deposits | 73.0325% | 4,117 |
| Total domestic deposits to total assets | 81.8803% | 5,065 |
| Equity capital to assets | 16.7672% | 493 |
| Core capital (leverage) ratio | 16.6581% | 407 |
| Tier 1 risk-based capital ratio | 25.3318% | 883 |
| Total risk-based capital ratio | 26.2369% | 899 |
| Memoranda: | ||
| Average total assets | $81,506,750 | 5,364 |
| Average earning assets | $74,646,750 | 5,341 |
| Average equity | $13,627,750 | 4,277 |
| Average total loans | $47,678,500 | 5,246 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 5,135 |
| Cost of funding earning assets | 0.6579% | 4,376 |
| Net interest margin | 3.4909% | 4,714 |
| Noninterest income to average assets | 0.4088% | 4,589 |
| Noninterest expense to average assets | 2.6915% | 4,463 |
| Loan and lease loss provision to assets | 0.0246% | 5,358 |
| Net operating income to assets | 0.6895% | 3,921 |
| Return on assets (ROA) | 0.6895% | 4,185 |
| Pretax return on assets | 0.8939% | 4,099 |
| Return on Equity (ROE) | 4.1278% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.3170% | 4,394 |
| Net charge-offs to loans | 0.3333% | 2,690 |
| Credit loss provision to net charge-offs | 12.6582% | 4,706 |
| Earnings coverage of net charge-offs (x) | 4.7215% | 3,004 |
| Efficiency ratio | 74.5566% | 2,981 |
| Assets per employee ($millions) | 3.2843% | 5,486 |
| Cash dividends to net income (ytd only)* | 19.6429% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 6,047 |
| Loan loss allowance to noncurrent loans | 319.3548% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 5,962 |
| Noncurrent loans to loans | 0.3218% | 5,910 |
| Net loans and leases to total assets | 58.0686% | 4,147 |
| Net loans and leases to deposits | 70.7834% | 3,786 |
| Net loans and leases to core deposits | 72.2245% | 4,274 |
| Total domestic deposits to total assets | 82.0371% | 5,115 |
| Equity capital to assets | 16.6439% | 490 |
| Core capital (leverage) ratio | 16.5039% | 413 |
| Tier 1 risk-based capital ratio | 25.2053% | 881 |
| Total risk-based capital ratio | 26.1272% | 899 |
| Memoranda: | ||
| Average total assets | $81,219,330 | 5,403 |
| Average earning assets | $74,478,670 | 5,379 |
| Average equity | $13,566,670 | 4,286 |
| Average total loans | $47,400,330 | 5,289 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 5,116 |
| Cost of funding earning assets | 0.6822% | 4,438 |
| Net interest margin | 3.5137% | 4,625 |
| Noninterest income to average assets | 0.4061% | 4,628 |
| Noninterest expense to average assets | 2.6345% | 4,685 |
| Loan and lease loss provision to assets | 0.0495% | 4,788 |
| Net operating income to assets | 0.7180% | 3,794 |
| Return on assets (ROA) | 0.7180% | 4,018 |
| Pretax return on assets | 0.9359% | 3,910 |
| Return on Equity (ROE) | 4.2909% | 5,144 |
| Retained earnings to average equity (ytd only) | 4.2909% | 4,017 |
| Net charge-offs to loans | 0.5020% | 1,829 |
| Credit loss provision to net charge-offs | 16.9492% | 3,825 |
| Earnings coverage of net charge-offs (x) | 3.3729% | 2,863 |
| Efficiency ratio | 72.7770% | 3,292 |
| Assets per employee ($millions) | 3.2841% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,916 |
| Loan loss allowance to noncurrent loans | 138.0697% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 5,492 |
| Noncurrent loans to loans | 0.7940% | 5,084 |
| Net loans and leases to total assets | 56.5930% | 4,274 |
| Net loans and leases to deposits | 68.7561% | 3,918 |
| Net loans and leases to core deposits | 70.1470% | 4,395 |
| Total domestic deposits to total assets | 82.3098% | 5,193 |
| Equity capital to assets | 16.5623% | 491 |
| Core capital (leverage) ratio | 16.7286% | 388 |
| Tier 1 risk-based capital ratio | 25.5202% | 852 |
| Total risk-based capital ratio | 26.4970% | 862 |
| Memoranda: | ||
| Average total assets | $80,775,000 | 5,448 |
| Average earning assets | $73,882,000 | 5,439 |
| Average equity | $13,517,000 | 4,298 |
| Average total loans | $47,013,500 | 5,340 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 5,459 |
| Cost of funding earning assets | 0.7985% | 4,886 |
| Net interest margin | 3.5933% | 4,761 |
| Noninterest income to average assets | 0.4606% | 4,135 |
| Noninterest expense to average assets | 2.7054% | 4,721 |
| Loan and lease loss provision to assets | 0.1640% | 4,581 |
| Net operating income to assets | 0.6965% | 3,511 |
| Return on assets (ROA) | 0.6965% | 3,690 |
| Pretax return on assets | 0.8959% | 3,617 |
| Return on Equity (ROE) | 4.1658% | 4,769 |
| Retained earnings to average equity (ytd only) | 2.9206% | 4,159 |
| Net charge-offs to loans | 0.1995% | 4,543 |
| Credit loss provision to net charge-offs | 138.2979% | 2,138 |
| Earnings coverage of net charge-offs (x) | 8.9362% | 2,061 |
| Efficiency ratio | 71.8499% | 3,604 |
| Assets per employee ($millions) | 3.1779% | 5,750 |
| Cash dividends to net income (ytd only)* | 29.8913% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 5,395 |
| Loan loss allowance to noncurrent loans | 83.5556% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 4,702 |
| Noncurrent loans to loans | 1.4347% | 4,012 |
| Net loans and leases to total assets | 58.5087% | 4,282 |
| Net loans and leases to deposits | 71.2890% | 3,902 |
| Net loans and leases to core deposits | 72.7802% | 4,406 |
| Total domestic deposits to total assets | 82.0726% | 5,108 |
| Equity capital to assets | 16.9117% | 457 |
| Core capital (leverage) ratio | 16.7104% | 390 |
| Tier 1 risk-based capital ratio | 27.6250% | 651 |
| Total risk-based capital ratio | 28.7956% | 649 |
| Memoranda: | ||
| Average total assets | $79,248,400 | 5,473 |
| Average earning assets | $72,886,200 | 5,449 |
| Average equity | $13,250,800 | 4,290 |
| Average total loans | $47,128,800 | 5,377 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 5,537 |
| Cost of funding earning assets | 0.8221% | 4,993 |
| Net interest margin | 3.5989% | 4,769 |
| Noninterest income to average assets | 0.4663% | 4,156 |
| Noninterest expense to average assets | 2.7121% | 4,680 |
| Loan and lease loss provision to assets | 0.1936% | 4,085 |
| Net operating income to assets | 0.6852% | 3,692 |
| Return on assets (ROA) | 0.6852% | 3,864 |
| Pretax return on assets | 0.8771% | 3,854 |
| Return on Equity (ROE) | 4.1096% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.5542% | 4,214 |
| Net charge-offs to loans | 0.2658% | 3,778 |
| Credit loss provision to net charge-offs | 122.3404% | 2,647 |
| Earnings coverage of net charge-offs (x) | 6.7660% | 2,491 |
| Efficiency ratio | 71.6956% | 3,617 |
| Assets per employee ($millions) | 3.2713% | 5,532 |
| Cash dividends to net income (ytd only)* | 13.5133% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 5,609 |
| Loan loss allowance to noncurrent loans | 82.8054% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 4,843 |
| Noncurrent loans to loans | 1.4090% | 4,180 |
| Net loans and leases to total assets | 59.2337% | 4,284 |
| Net loans and leases to deposits | 72.5643% | 3,880 |
| Net loans and leases to core deposits | 73.8081% | 4,475 |
| Total domestic deposits to total assets | 81.6293% | 5,212 |
| Equity capital to assets | 17.1161% | 474 |
| Core capital (leverage) ratio | 16.6969% | 424 |
| Tier 1 risk-based capital ratio | 27.0053% | 736 |
| Total risk-based capital ratio | 28.1221% | 734 |
| Memoranda: | ||
| Average total assets | $79,198,500 | 5,523 |
| Average earning assets | $72,983,500 | 5,481 |
| Average equity | $13,204,500 | 4,305 |
| Average total loans | $47,149,000 | 5,417 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 5,521 |
| Cost of funding earning assets | 0.8444% | 5,108 |
| Net interest margin | 3.6070% | 4,699 |
| Noninterest income to average assets | 0.4734% | 4,077 |
| Noninterest expense to average assets | 2.7220% | 4,734 |
| Loan and lease loss provision to assets | 0.2266% | 3,649 |
| Net operating income to assets | 0.6648% | 3,716 |
| Return on assets (ROA) | 0.6648% | 3,841 |
| Pretax return on assets | 0.8486% | 3,836 |
| Return on Equity (ROE) | 4.0223% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.1844% | 4,245 |
| Net charge-offs to loans | 0.3010% | 3,367 |
| Credit loss provision to net charge-offs | 126.7606% | 2,413 |
| Earnings coverage of net charge-offs (x) | 6.0141% | 2,489 |
| Efficiency ratio | 71.6844% | 3,799 |
| Assets per employee ($millions) | 3.3469% | 5,329 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 5,635 |
| Loan loss allowance to noncurrent loans | 84.4136% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8067% | 5,270 |
| Noncurrent loans to loans | 1.3970% | 4,317 |
| Net loans and leases to total assets | 57.0637% | 4,811 |
| Net loans and leases to deposits | 69.3145% | 4,523 |
| Net loans and leases to core deposits | 70.4610% | 5,016 |
| Total domestic deposits to total assets | 82.3258% | 5,051 |
| Equity capital to assets | 16.4853% | 545 |
| Core capital (leverage) ratio | 16.2250% | 478 |
| Tier 1 risk-based capital ratio | 27.2132% | 715 |
| Total risk-based capital ratio | 28.3467% | 707 |
| Memoranda: | ||
| Average total assets | $79,427,670 | 5,566 |
| Average earning assets | $73,190,330 | 5,518 |
| Average equity | $13,126,670 | 4,310 |
| Average total loans | $47,180,670 | 5,471 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5298% | 5,240 |
| Cost of funding earning assets | 0.9005% | 4,921 |
| Net interest margin | 3.6293% | 4,435 |
| Noninterest income to average assets | 0.4761% | 4,078 |
| Noninterest expense to average assets | 2.7045% | 4,818 |
| Loan and lease loss provision to assets | 0.2279% | 3,380 |
| Net operating income to assets | 0.6939% | 3,535 |
| Return on assets (ROA) | 0.6939% | 3,604 |
| Pretax return on assets | 0.8914% | 3,533 |
| Return on Equity (ROE) | 4.1931% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.1931% | 3,646 |
| Net charge-offs to loans | 0.5969% | 2,000 |
| Credit loss provision to net charge-offs | 63.3803% | 3,483 |
| Earnings coverage of net charge-offs (x) | 3.1127% | 2,852 |
| Efficiency ratio | 70.7285% | 4,112 |
| Assets per employee ($millions) | 3.3470% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 6,164 |
| Loan loss allowance to noncurrent loans | 56.6591% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 4,711 |
| Noncurrent loans to loans | 1.8864% | 3,717 |
| Net loans and leases to total assets | 57.8434% | 4,668 |
| Net loans and leases to deposits | 70.1263% | 4,328 |
| Net loans and leases to core deposits | 71.2916% | 4,891 |
| Total domestic deposits to total assets | 82.4845% | 5,114 |
| Equity capital to assets | 16.3515% | 517 |
| Core capital (leverage) ratio | 16.3058% | 455 |
| Tier 1 risk-based capital ratio | 25.9312% | 795 |
| Total risk-based capital ratio | 26.9280% | 792 |
| Memoranda: | ||
| Average total assets | $78,978,500 | 5,616 |
| Average earning assets | $72,851,500 | 5,575 |
| Average equity | $13,069,000 | 4,323 |
| Average total loans | $47,579,000 | 5,495 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 3,597 |
| Cost of funding earning assets | 1.2500% | 4,215 |
| Net interest margin | 3.9524% | 3,253 |
| Noninterest income to average assets | 0.5231% | 4,005 |
| Noninterest expense to average assets | 2.7006% | 4,985 |
| Loan and lease loss provision to assets | 0.1242% | 5,920 |
| Net operating income to assets | 0.9351% | 2,258 |
| Return on assets (ROA) | 0.9351% | 2,389 |
| Pretax return on assets | 1.2464% | 2,083 |
| Return on Equity (ROE) | 5.5815% | 3,804 |
| Retained earnings to average equity (ytd only) | 4.4027% | 2,771 |
| Net charge-offs to loans | 0.0042% | 6,806 |
| Credit loss provision to net charge-offs | 4,750.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 524.0000% | 41 |
| Efficiency ratio | 66.3347% | 4,907 |
| Assets per employee ($millions) | 3.2345% | 5,583 |
| Cash dividends to net income (ytd only)* | 21.1189% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 5,964 |
| Loan loss allowance to noncurrent loans | 44.2582% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 4,008 |
| Noncurrent loans to loans | 2.4756% | 3,047 |
| Net loans and leases to total assets | 61.3992% | 4,419 |
| Net loans and leases to deposits | 74.8171% | 4,059 |
| Net loans and leases to core deposits | 77.1546% | 4,572 |
| Total domestic deposits to total assets | 82.0657% | 5,167 |
| Equity capital to assets | 16.7504% | 488 |
| Core capital (leverage) ratio | 16.2998% | 477 |
| Tier 1 risk-based capital ratio | 26.1785% | 742 |
| Total risk-based capital ratio | 27.2481% | 735 |
| Memoranda: | ||
| Average total assets | $76,463,200 | 5,697 |
| Average earning assets | $68,641,800 | 5,714 |
| Average equity | $12,810,200 | 4,395 |
| Average total loans | $48,058,600 | 5,559 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3019% | 3,346 |
| Cost of funding earning assets | 1.3206% | 4,110 |
| Net interest margin | 3.9814% | 3,181 |
| Noninterest income to average assets | 0.5304% | 3,938 |
| Noninterest expense to average assets | 2.6886% | 4,932 |
| Loan and lease loss provision to assets | 0.0963% | 6,062 |
| Net operating income to assets | 0.9680% | 2,342 |
| Return on assets (ROA) | 0.9680% | 2,464 |
| Pretax return on assets | 1.2970% | 2,178 |
| Return on Equity (ROE) | 5.7774% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.2760% | 2,790 |
| Net charge-offs to loans | 0.0056% | 6,592 |
| Credit loss provision to net charge-offs | 2,750.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 397.4944% | 77 |
| Efficiency ratio | 65.8662% | 4,892 |
| Assets per employee ($millions) | 3.2333% | 5,606 |
| Cash dividends to net income (ytd only)* | 8.6802% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 6,351 |
| Loan loss allowance to noncurrent loans | 61.3065% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.0258% | 5,047 |
| Noncurrent loans to loans | 1.6468% | 4,173 |
| Net loans and leases to total assets | 61.6601% | 4,599 |
| Net loans and leases to deposits | 75.4804% | 4,265 |
| Net loans and leases to core deposits | 77.8367% | 4,820 |
| Total domestic deposits to total assets | 81.6902% | 5,129 |
| Equity capital to assets | 16.8677% | 533 |
| Core capital (leverage) ratio | 16.6613% | 471 |
| Tier 1 risk-based capital ratio | 25.5426% | 815 |
| Total risk-based capital ratio | 26.5115% | 821 |
| Memoranda: | ||
| Average total assets | $76,172,000 | 5,765 |
| Average earning assets | $67,948,250 | 5,801 |
| Average equity | $12,762,000 | 4,483 |
| Average total loans | $48,025,500 | 5,644 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3855% | 3,039 |
| Cost of funding earning assets | 1.3920% | 3,923 |
| Net interest margin | 3.9935% | 3,050 |
| Noninterest income to average assets | 0.5443% | 3,756 |
| Noninterest expense to average assets | 2.7399% | 4,738 |
| Loan and lease loss provision to assets | 0.0793% | 6,148 |
| Net operating income to assets | 0.9353% | 2,417 |
| Return on assets (ROA) | 0.9353% | 2,506 |
| Pretax return on assets | 1.2497% | 2,259 |
| Return on Equity (ROE) | 5.5955% | 3,995 |
| Retained earnings to average equity (ytd only) | 4.8368% | 2,992 |
| Net charge-offs to loans | 0.0083% | 6,242 |
| Credit loss provision to net charge-offs | 1,500.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 251.5000% | 131 |
| Efficiency ratio | 67.3377% | 4,707 |
| Assets per employee ($millions) | 3.2084% | 5,669 |
| Cash dividends to net income (ytd only)* | 13.5593% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,508 |
| Loan loss allowance to noncurrent loans | 88.0228% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 5,785 |
| Noncurrent loans to loans | 1.1064% | 5,111 |
| Net loans and leases to total assets | 61.1408% | 4,852 |
| Net loans and leases to deposits | 74.6433% | 4,579 |
| Net loans and leases to core deposits | 76.9717% | 5,086 |
| Total domestic deposits to total assets | 81.9106% | 5,024 |
| Equity capital to assets | 16.7219% | 567 |
| Core capital (leverage) ratio | 16.5036% | 497 |
| Tier 1 risk-based capital ratio | 24.8904% | 851 |
| Total risk-based capital ratio | 25.8004% | 868 |
| Memoranda: | ||
| Average total assets | $75,696,670 | 5,811 |
| Average earning assets | $66,809,000 | 5,871 |
| Average equity | $12,653,000 | 4,510 |
| Average total loans | $47,922,330 | 5,692 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 2,246 |
| Cost of funding earning assets | 1.4536% | 3,847 |
| Net interest margin | 4.1257% | 2,335 |
| Noninterest income to average assets | 0.5543% | 3,617 |
| Noninterest expense to average assets | 2.7504% | 4,691 |
| Loan and lease loss provision to assets | 0.0800% | 5,844 |
| Net operating income to assets | 0.9541% | 2,348 |
| Return on assets (ROA) | 0.9541% | 2,415 |
| Pretax return on assets | 1.2792% | 2,108 |
| Return on Equity (ROE) | 5.7090% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.7090% | 2,760 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9261% | 4,933 |
| Assets per employee ($millions) | 3.1428% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 6,686 |
| Loan loss allowance to noncurrent loans | 44.3350% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 4,501 |
| Noncurrent loans to loans | 2.1343% | 3,608 |
| Net loans and leases to total assets | 62.4524% | 4,667 |
| Net loans and leases to deposits | 76.0363% | 4,409 |
| Net loans and leases to core deposits | 78.4472% | 4,968 |
| Total domestic deposits to total assets | 82.1350% | 5,019 |
| Equity capital to assets | 16.6903% | 568 |
| Core capital (leverage) ratio | 16.4887% | 509 |
| Tier 1 risk-based capital ratio | 25.1454% | 848 |
| Total risk-based capital ratio | 26.0479% | 865 |
| Memoranda: | ||
| Average total assets | $75,044,500 | 5,906 |
| Average earning assets | $64,667,500 | 6,010 |
| Average equity | $12,541,500 | 4,578 |
| Average total loans | $48,112,500 | 5,753 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5022% | 4,131 |
| Cost of funding earning assets | 1.6459% | 4,816 |
| Net interest margin | 3.8563% | 3,455 |
| Noninterest income to average assets | 0.5603% | 3,941 |
| Noninterest expense to average assets | 2.8266% | 4,854 |
| Loan and lease loss provision to assets | 0.0761% | 6,831 |
| Net operating income to assets | 0.8343% | 2,403 |
| Return on assets (ROA) | 0.8343% | 2,487 |
| Pretax return on assets | 1.1359% | 2,138 |
| Return on Equity (ROE) | 4.9089% | 3,704 |
| Retained earnings to average equity (ytd only) | 3.7448% | 2,580 |
| Net charge-offs to loans | 0.0755% | 6,360 |
| Credit loss provision to net charge-offs | 157.1429% | 2,865 |
| Earnings coverage of net charge-offs (x) | 25.0286% | 888 |
| Efficiency ratio | 69.6471% | 4,706 |
| Assets per employee ($millions) | 3.1109% | 5,964 |
| Cash dividends to net income (ytd only)* | 23.7148% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 6,840 |
| Loan loss allowance to noncurrent loans | 48.6034% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 4,706 |
| Noncurrent loans to loans | 1.8390% | 3,874 |
| Net loans and leases to total assets | 64.6031% | 4,467 |
| Net loans and leases to deposits | 78.7211% | 4,227 |
| Net loans and leases to core deposits | 88.3941% | 5,288 |
| Total domestic deposits to total assets | 82.0658% | 4,919 |
| Equity capital to assets | 16.7341% | 586 |
| Core capital (leverage) ratio | 16.6808% | 530 |
| Tier 1 risk-based capital ratio | 24.6132% | 890 |
| Total risk-based capital ratio | 25.4794% | 901 |
| Memoranda: | ||
| Average total assets | $72,278,000 | 5,935 |
| Average earning assets | $65,191,600 | 5,952 |
| Average equity | $12,283,800 | 4,689 |
| Average total loans | $46,358,000 | 5,826 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4649% | 4,604 |
| Cost of funding earning assets | 1.6837% | 4,980 |
| Net interest margin | 3.7812% | 3,731 |
| Noninterest income to average assets | 0.5654% | 3,968 |
| Noninterest expense to average assets | 2.8384% | 4,727 |
| Loan and lease loss provision to assets | 0.0744% | 6,615 |
| Net operating income to assets | 0.8128% | 2,755 |
| Return on assets (ROA) | 0.8128% | 2,819 |
| Pretax return on assets | 1.1030% | 2,553 |
| Return on Equity (ROE) | 4.7636% | 4,061 |
| Retained earnings to average equity (ytd only) | 4.3058% | 2,865 |
| Net charge-offs to loans | 0.0990% | 5,681 |
| Credit loss provision to net charge-offs | 117.6471% | 4,320 |
| Earnings coverage of net charge-offs (x) | 18.6186% | 1,340 |
| Efficiency ratio | 70.3566% | 4,520 |
| Assets per employee ($millions) | 2.9453% | 6,289 |
| Cash dividends to net income (ytd only)* | 9.6113% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 6,795 |
| Loan loss allowance to noncurrent loans | 36.6406% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 1.7528% | 3,729 |
| Noncurrent loans to loans | 2.4316% | 3,097 |
| Net loans and leases to total assets | 66.2522% | 4,372 |
| Net loans and leases to deposits | 81.7224% | 4,080 |
| Net loans and leases to core deposits | 91.2263% | 5,308 |
| Total domestic deposits to total assets | 81.0698% | 5,056 |
| Equity capital to assets | 17.5311% | 557 |
| Core capital (leverage) ratio | 17.0784% | 546 |
| Tier 1 risk-based capital ratio | 25.0867% | 889 |
| Total risk-based capital ratio | 25.9459% | 905 |
| Memoranda: | ||
| Average total assets | $71,682,000 | 5,992 |
| Average earning assets | $65,409,250 | 5,984 |
| Average equity | $12,231,250 | 4,739 |
| Average total loans | $45,780,250 | 5,895 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 5,442 |
| Cost of funding earning assets | 1.7541% | 4,983 |
| Net interest margin | 3.5870% | 4,420 |
| Noninterest income to average assets | 0.6110% | 3,597 |
| Noninterest expense to average assets | 2.7550% | 5,157 |
| Loan and lease loss provision to assets | 0.0694% | 6,506 |
| Net operating income to assets | 0.7998% | 2,859 |
| Return on assets (ROA) | 0.7998% | 2,955 |
| Pretax return on assets | 1.0748% | 2,717 |
| Return on Equity (ROE) | 4.7300% | 4,194 |
| Retained earnings to average equity (ytd only) | 4.0402% | 3,037 |
| Net charge-offs to loans | 0.1325% | 4,841 |
| Credit loss provision to net charge-offs | 83.3333% | 5,103 |
| Earnings coverage of net charge-offs (x) | 13.7333% | 1,713 |
| Efficiency ratio | 70.2991% | 4,716 |
| Assets per employee ($millions) | 3.0108% | 6,099 |
| Cash dividends to net income (ytd only)* | 14.5833% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 6,821 |
| Loan loss allowance to noncurrent loans | 269.7368% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 6,622 |
| Noncurrent loans to loans | 0.3296% | 6,687 |
| Net loans and leases to total assets | 63.2553% | 5,134 |
| Net loans and leases to deposits | 77.4708% | 4,946 |
| Net loans and leases to core deposits | 85.9962% | 5,904 |
| Total domestic deposits to total assets | 81.6505% | 4,837 |
| Equity capital to assets | 17.0334% | 661 |
| Core capital (leverage) ratio | 16.7902% | 640 |
| Tier 1 risk-based capital ratio | 21.9716% | 1,262 |
| Total risk-based capital ratio | 22.7133% | 1,296 |
| Memoranda: | ||
| Average total assets | $72,014,000 | 6,031 |
| Average earning assets | $66,015,330 | 6,005 |
| Average equity | $12,177,670 | 4,766 |
| Average total loans | $45,289,670 | 5,974 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5229% | 4,792 |
| Cost of funding earning assets | 1.8816% | 4,734 |
| Net interest margin | 3.6413% | 4,134 |
| Noninterest income to average assets | 0.6120% | 3,461 |
| Noninterest expense to average assets | 2.8765% | 4,243 |
| Loan and lease loss provision to assets | 0.0556% | 6,266 |
| Net operating income to assets | 0.7678% | 3,265 |
| Return on assets (ROA) | 0.7678% | 3,440 |
| Pretax return on assets | 1.0071% | 3,321 |
| Return on Equity (ROE) | 4.5573% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.5573% | 3,397 |
| Net charge-offs to loans | 0.2585% | 3,113 |
| Credit loss provision to net charge-offs | 34.4828% | 4,895 |
| Earnings coverage of net charge-offs (x) | 6.5862% | 2,477 |
| Efficiency ratio | 72.7401% | 4,052 |
| Assets per employee ($millions) | 2.9833% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 6,822 |
| Loan loss allowance to noncurrent loans | 477.1084% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 6,483 |
| Noncurrent loans to loans | 0.1850% | 7,002 |
| Net loans and leases to total assets | 62.1098% | 5,300 |
| Net loans and leases to deposits | 76.0678% | 5,216 |
| Net loans and leases to core deposits | 84.6209% | 6,013 |
| Total domestic deposits to total assets | 81.6506% | 4,699 |
| Equity capital to assets | 17.1134% | 708 |
| Core capital (leverage) ratio | 16.7371% | 686 |
| Tier 1 risk-based capital ratio | 23.5761% | 1,129 |
| Total risk-based capital ratio | 24.3517% | 1,155 |
| Memoranda: | ||
| Average total assets | $71,892,000 | 6,069 |
| Average earning assets | $65,690,500 | 6,046 |
| Average equity | $12,112,500 | 4,808 |
| Average total loans | $44,876,000 | 6,017 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5532% | 7,189 |
| Cost of funding earning assets | 2.3455% | 4,946 |
| Net interest margin | 3.2077% | 6,343 |
| Noninterest income to average assets | 0.5423% | 4,299 |
| Noninterest expense to average assets | 2.6146% | 5,594 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6742% | 4,011 |
| Return on assets (ROA) | 0.6742% | 3,847 |
| Pretax return on assets | 0.8814% | 3,793 |
| Return on Equity (ROE) | 4.2435% | 4,713 |
| Retained earnings to average equity (ytd only) | 3.1085% | 3,222 |
| Net charge-offs to loans | 0.1460% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 10.2344% | 2,551 |
| Efficiency ratio | 74.4034% | 3,505 |
| Assets per employee ($millions) | 3.0077% | 6,044 |
| Cash dividends to net income (ytd only)* | 26.7465% | 4,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 6,531 |
| Loan loss allowance to noncurrent loans | 169.3878% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 5,576 |
| Noncurrent loans to loans | 0.5458% | 5,725 |
| Net loans and leases to total assets | 61.6070% | 5,681 |
| Net loans and leases to deposits | 76.4382% | 5,541 |
| Net loans and leases to core deposits | 85.5047% | 6,170 |
| Total domestic deposits to total assets | 80.5971% | 4,808 |
| Equity capital to assets | 16.5852% | 828 |
| Core capital (leverage) ratio | 16.1345% | 806 |
| Tier 1 risk-based capital ratio | 23.8605% | 1,103 |
| Total risk-based capital ratio | 24.6927% | 1,115 |
| Memoranda: | ||
| Average total assets | $74,313,200 | 5,905 |
| Average earning assets | $68,428,400 | 5,876 |
| Average equity | $11,806,400 | 4,885 |
| Average total loans | $43,827,800 | 5,992 |