Home > The First National Bank in Cimarron > Performance and Condition Ratios
The First National Bank in Cimarron, 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 | 4.0957% | 3,815 |
| Cost of funding earning assets | 0.8498% | 3,613 |
| Net interest margin | 3.2460% | 2,759 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.3942% | 2,616 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9257% | 2,468 |
| Return on assets (ROA) | 1.0863% | 1,930 |
| Pretax return on assets | 1.1249% | 2,331 |
| Return on Equity (ROE) | 43.0300% | 76 |
| Retained earnings to average equity (ytd only) | 18.4822% | 170 |
| Net charge-offs to loans | -0.0018% | 3,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.4268% | 1,823 |
| Assets per employee ($millions) | 7.9208% | 1,479 |
| Cash dividends to net income (ytd only)* | 57.0470% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,124 |
| Loan loss allowance to noncurrent loans | 7,977.7778% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,764 |
| Noncurrent loans to loans | 0.0154% | 3,635 |
| Net loans and leases to total assets | 38.3700% | 4,086 |
| Net loans and leases to deposits | 40.0055% | 4,201 |
| Net loans and leases to core deposits | 42.9599% | 4,224 |
| Total domestic deposits to total assets | 95.9200% | 42 |
| Equity capital to assets | 2.8180% | 4,547 |
| Core capital (leverage) ratio | 8.2137% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7898% | 1,319 |
| Memoranda: | ||
| Average total assets | $137,166,000 | 3,485 |
| Average earning assets | $132,626,800 | 3,423 |
| Average equity | $3,462,800 | 4,391 |
| Average total loans | $56,239,400 | 3,754 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 3,600 |
| Cost of funding earning assets | 0.7904% | 3,548 |
| Net interest margin | 3.3405% | 2,594 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.3023% | 2,787 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.1052% | 2,039 |
| Return on assets (ROA) | 1.3200% | 1,481 |
| Pretax return on assets | 1.3828% | 1,814 |
| Return on Equity (ROE) | 54.0500% | 63 |
| Retained earnings to average equity (ytd only) | 38.3478% | 53 |
| Net charge-offs to loans | -0.0024% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.0852% | 2,267 |
| Assets per employee ($millions) | 6.3663% | 2,436 |
| Cash dividends to net income (ytd only)* | 29.0566% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 2,449 |
| Loan loss allowance to noncurrent loans | 357.8947% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 2,579 |
| Noncurrent loans to loans | 0.3307% | 2,048 |
| Net loans and leases to total assets | 44.5900% | 3,891 |
| Net loans and leases to deposits | 46.2777% | 4,044 |
| Net loans and leases to core deposits | 50.0154% | 4,040 |
| Total domestic deposits to total assets | 96.3500% | 68 |
| Equity capital to assets | 1.8700% | 4,550 |
| Core capital (leverage) ratio | 8.5187% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4583% | 1,208 |
| Memoranda: | ||
| Average total assets | $133,833,500 | 3,517 |
| Average earning assets | $129,559,000 | 3,458 |
| Average equity | $3,268,250 | 4,425 |
| Average total loans | $55,682,750 | 3,773 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 3,642 |
| Cost of funding earning assets | 0.6291% | 3,682 |
| Net interest margin | 3.3908% | 2,546 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.2441% | 2,963 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2104% | 1,807 |
| Return on assets (ROA) | 1.5308% | 1,048 |
| Pretax return on assets | 1.6029% | 1,412 |
| Return on Equity (ROE) | 58.4200% | 51 |
| Retained earnings to average equity (ytd only) | 50.5612% | 33 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.2146% | 2,570 |
| Assets per employee ($millions) | 6.4450% | 2,335 |
| Cash dividends to net income (ytd only)* | 13.4486% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,441 |
| Loan loss allowance to noncurrent loans | 1,656.0976% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,469 |
| Noncurrent loans to loans | 0.0725% | 3,178 |
| Net loans and leases to total assets | 43.3600% | 3,908 |
| Net loans and leases to deposits | 45.9155% | 4,049 |
| Net loans and leases to core deposits | 49.1514% | 4,041 |
| Total domestic deposits to total assets | 94.4400% | 126 |
| Equity capital to assets | 2.8813% | 4,571 |
| Core capital (leverage) ratio | 8.3359% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2525% | 1,270 |
| Memoranda: | ||
| Average total assets | $136,003,000 | 3,506 |
| Average earning assets | $131,944,333 | 3,446 |
| Average equity | $3,564,000 | 4,432 |
| Average total loans | $55,092,667 | 3,791 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9316% | 3,612 |
| Cost of funding earning assets | 0.5372% | 3,569 |
| Net interest margin | 3.3944% | 2,649 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.1640% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3735% | 1,477 |
| Return on assets (ROA) | 1.7312% | 768 |
| Pretax return on assets | 1.8115% | 1,050 |
| Return on Equity (ROE) | 69.2500% | 43 |
| Retained earnings to average equity (ytd only) | 69.2462% | 26 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.0636% | 2,953 |
| Assets per employee ($millions) | 7.0399% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,438 |
| Loan loss allowance to noncurrent loans | 1,676.9231% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,487 |
| Noncurrent loans to loans | 0.0729% | 3,210 |
| Net loans and leases to total assets | 39.5100% | 4,059 |
| Net loans and leases to deposits | 41.2336% | 4,189 |
| Net loans and leases to core deposits | 43.9807% | 4,171 |
| Total domestic deposits to total assets | 95.8300% | 62 |
| Equity capital to assets | 2.8626% | 4,604 |
| Core capital (leverage) ratio | 7.8684% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5921% | 1,241 |
| Memoranda: | ||
| Average total assets | $139,555,000 | 3,524 |
| Average earning assets | $135,518,000 | 3,453 |
| Average equity | $3,489,000 | 4,499 |
| Average total loans | $54,353,500 | 3,844 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1855% | 3,838 |
| Cost of funding earning assets | 0.2621% | 3,228 |
| Net interest margin | 2.9234% | 3,622 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.2050% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8171% | 3,267 |
| Return on assets (ROA) | 0.9227% | 2,818 |
| Pretax return on assets | 0.9617% | 3,191 |
| Return on Equity (ROE) | 25.7500% | 184 |
| Retained earnings to average equity (ytd only) | 11.2099% | 840 |
| Net charge-offs to loans | -0.0160% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.1354% | 1,430 |
| Assets per employee ($millions) | 7.6501% | 1,516 |
| Cash dividends to net income (ytd only)* | 56.4706% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,462 |
| Loan loss allowance to noncurrent loans | 1,421.7391% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 3,492 |
| Noncurrent loans to loans | 0.0833% | 3,161 |
| Net loans and leases to total assets | 37.5300% | 4,160 |
| Net loans and leases to deposits | 38.9082% | 4,275 |
| Net loans and leases to core deposits | 41.5948% | 4,242 |
| Total domestic deposits to total assets | 96.4500% | 67 |
| Equity capital to assets | 2.1665% | 4,640 |
| Core capital (leverage) ratio | 7.6093% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2253% | 1,558 |
| Memoranda: | ||
| Average total assets | $138,185,800 | 3,550 |
| Average earning assets | $133,918,600 | 3,487 |
| Average equity | $4,951,000 | 4,436 |
| Average total loans | $50,009,000 | 3,889 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0842% | 3,713 |
| Cost of funding earning assets | 0.1837% | 3,471 |
| Net interest margin | 2.9004% | 3,498 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.1105% | 3,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9077% | 2,837 |
| Return on assets (ROA) | 1.0489% | 2,258 |
| Pretax return on assets | 1.0987% | 2,730 |
| Return on Equity (ROE) | 26.4900% | 148 |
| Retained earnings to average equity (ytd only) | 17.5996% | 181 |
| Net charge-offs to loans | -0.0219% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.9556% | 1,890 |
| Assets per employee ($millions) | 6.8561% | 2,056 |
| Cash dividends to net income (ytd only)* | 33.5508% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,213 |
| Loan loss allowance to noncurrent loans | 1,362.5000% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 3,548 |
| Noncurrent loans to loans | 0.0926% | 3,218 |
| Net loans and leases to total assets | 39.2900% | 4,099 |
| Net loans and leases to deposits | 42.1781% | 4,177 |
| Net loans and leases to core deposits | 45.5785% | 4,132 |
| Total domestic deposits to total assets | 93.1500% | 541 |
| Equity capital to assets | 1.5154% | 4,679 |
| Core capital (leverage) ratio | 7.7486% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0680% | 1,407 |
| Memoranda: | ||
| Average total assets | $136,394,500 | 3,591 |
| Average earning assets | $132,069,500 | 3,522 |
| Average equity | $5,401,500 | 4,424 |
| Average total loans | $48,711,000 | 3,930 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8467% | 3,902 |
| Cost of funding earning assets | 0.1385% | 3,729 |
| Net interest margin | 2.7082% | 3,685 |
| Noninterest income to average assets | 0.2340% | 3,779 |
| Noninterest expense to average assets | 2.0544% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7702% | 3,064 |
| Return on assets (ROA) | 0.9824% | 2,194 |
| Pretax return on assets | 1.0286% | 2,637 |
| Return on Equity (ROE) | 20.7824% | 259 |
| Retained earnings to average equity (ytd only) | 16.5037% | 169 |
| Net charge-offs to loans | -0.0336% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7819% | 1,749 |
| Assets per employee ($millions) | 7.2197% | 1,794 |
| Cash dividends to net income (ytd only)* | 20.5882% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 1,933 |
| Loan loss allowance to noncurrent loans | 726.6667% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,323 |
| Noncurrent loans to loans | 0.1866% | 2,772 |
| Net loans and leases to total assets | 34.6812% | 4,302 |
| Net loans and leases to deposits | 35.8516% | 4,394 |
| Net loans and leases to core deposits | 38.4747% | 4,371 |
| Total domestic deposits to total assets | 96.7356% | 59 |
| Equity capital to assets | 2.0798% | 4,721 |
| Core capital (leverage) ratio | 7.4977% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2250% | 1,383 |
| Memoranda: | ||
| Average total assets | $138,437,667 | 3,617 |
| Average earning assets | $134,332,333 | 3,551 |
| Average equity | $6,544,000 | 4,360 |
| Average total loans | $47,669,667 | 3,997 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7475% | 3,845 |
| Cost of funding earning assets | 0.1269% | 3,811 |
| Net interest margin | 2.6206% | 3,610 |
| Noninterest income to average assets | 0.3049% | 3,282 |
| Noninterest expense to average assets | 2.0738% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7491% | 2,856 |
| Return on assets (ROA) | 1.0556% | 1,661 |
| Pretax return on assets | 1.1045% | 2,129 |
| Return on Equity (ROE) | 17.4981% | 372 |
| Retained earnings to average equity (ytd only) | 17.4981% | 157 |
| Net charge-offs to loans | -0.0675% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5352% | 1,908 |
| Assets per employee ($millions) | 7.0387% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 33.2179% | 4,331 |
| Net loans and leases to deposits | 35.3737% | 4,405 |
| Net loans and leases to core deposits | 38.1191% | 4,370 |
| Total domestic deposits to total assets | 93.9059% | 121 |
| Equity capital to assets | 5.1153% | 4,710 |
| Core capital (leverage) ratio | 7.5068% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2174% | 1,205 |
| Memoranda: | ||
| Average total assets | $139,069,000 | 3,627 |
| Average earning assets | $135,543,000 | 3,557 |
| Average equity | $8,389,500 | 4,228 |
| Average total loans | $47,390,500 | 4,020 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2627% | 3,319 |
| Cost of funding earning assets | 0.1389% | 4,077 |
| Net interest margin | 3.1237% | 2,829 |
| Noninterest income to average assets | 0.2153% | 4,077 |
| Noninterest expense to average assets | 2.1872% | 3,128 |
| Loan and lease loss provision to assets | 0.0227% | 2,613 |
| Net operating income to assets | 1.0184% | 2,596 |
| Return on assets (ROA) | 1.1401% | 2,195 |
| Pretax return on assets | 1.1718% | 2,754 |
| Return on Equity (ROE) | 14.5468% | 1,058 |
| Retained earnings to average equity (ytd only) | 5.8708% | 2,415 |
| Net charge-offs to loans | -0.0020% | 3,362 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1694% | 2,098 |
| Assets per employee ($millions) | 8.0224% | 1,318 |
| Cash dividends to net income (ytd only)* | 59.6421% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,356 |
| Loan loss allowance to noncurrent loans | 1,502.3256% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 3,826 |
| Noncurrent loans to loans | 0.0865% | 3,502 |
| Net loans and leases to total assets | 33.9723% | 4,379 |
| Net loans and leases to deposits | 37.0292% | 4,445 |
| Net loans and leases to core deposits | 39.7390% | 4,397 |
| Total domestic deposits to total assets | 91.7446% | 252 |
| Equity capital to assets | 6.8821% | 4,738 |
| Core capital (leverage) ratio | 7.4276% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1574% | 1,793 |
| Memoranda: | ||
| Average total assets | $132,360,600 | 3,652 |
| Average earning assets | $128,852,200 | 3,591 |
| Average equity | $10,373,400 | 4,087 |
| Average total loans | $49,834,800 | 4,000 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4860% | 2,873 |
| Cost of funding earning assets | 0.1409% | 4,187 |
| Net interest margin | 3.3451% | 2,304 |
| Noninterest income to average assets | 0.2474% | 3,912 |
| Noninterest expense to average assets | 2.0595% | 3,487 |
| Loan and lease loss provision to assets | -0.0464% | 4,443 |
| Net operating income to assets | 1.4461% | 1,410 |
| Return on assets (ROA) | 1.6121% | 1,046 |
| Pretax return on assets | 1.6595% | 1,523 |
| Return on Equity (ROE) | 19.8935% | 431 |
| Retained earnings to average equity (ytd only) | 14.9964% | 396 |
| Net charge-offs to loans | -0.0027% | 3,272 |
| Credit loss provision to net charge-offs | 4,500.0000% | 184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8166% | 3,151 |
| Assets per employee ($millions) | 7.0427% | 1,837 |
| Cash dividends to net income (ytd only)* | 24.6164% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,804 |
| 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 | 35.9244% | 4,397 |
| Net loans and leases to deposits | 40.4073% | 4,436 |
| Net loans and leases to core deposits | 43.9284% | 4,382 |
| Total domestic deposits to total assets | 88.9058% | 1,339 |
| Equity capital to assets | 8.5739% | 4,161 |
| Core capital (leverage) ratio | 7.7261% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9411% | 1,633 |
| Memoranda: | ||
| Average total assets | $129,350,000 | 3,721 |
| Average earning assets | $125,832,250 | 3,653 |
| Average equity | $10,482,250 | 4,140 |
| Average total loans | $49,867,750 | 4,058 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4194% | 3,118 |
| Cost of funding earning assets | 0.1405% | 4,274 |
| Net interest margin | 3.2789% | 2,518 |
| Noninterest income to average assets | 0.2442% | 3,934 |
| Noninterest expense to average assets | 1.9829% | 3,754 |
| Loan and lease loss provision to assets | -0.0691% | 4,560 |
| Net operating income to assets | 1.4873% | 1,328 |
| Return on assets (ROA) | 1.7372% | 866 |
| Pretax return on assets | 1.7756% | 1,288 |
| Return on Equity (ROE) | 21.8480% | 330 |
| Retained earnings to average equity (ytd only) | 19.1436% | 182 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7370% | 3,318 |
| Assets per employee ($millions) | 7.0874% | 1,736 |
| Cash dividends to net income (ytd only)* | 12.3784% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,340 |
| 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 | 39.5629% | 4,304 |
| Net loans and leases to deposits | 43.6998% | 4,394 |
| Net loans and leases to core deposits | 47.5438% | 4,348 |
| Total domestic deposits to total assets | 90.5333% | 543 |
| Equity capital to assets | 8.1772% | 4,442 |
| Core capital (leverage) ratio | 7.4695% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8281% | 1,680 |
| Memoranda: | ||
| Average total assets | $130,210,333 | 3,724 |
| Average earning assets | $126,689,667 | 3,662 |
| Average equity | $10,353,333 | 4,167 |
| Average total loans | $51,119,667 | 4,056 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1481% | 3,784 |
| Cost of funding earning assets | 0.1437% | 4,349 |
| Net interest margin | 3.0045% | 3,243 |
| Noninterest income to average assets | 0.2737% | 3,762 |
| Noninterest expense to average assets | 1.8186% | 4,176 |
| Loan and lease loss provision to assets | -0.1369% | 4,764 |
| Net operating income to assets | 1.5145% | 1,295 |
| Return on assets (ROA) | 1.9403% | 665 |
| Pretax return on assets | 1.9433% | 1,040 |
| Return on Equity (ROE) | 24.7431% | 269 |
| Retained earnings to average equity (ytd only) | 24.7431% | 145 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8441% | 3,445 |
| Assets per employee ($millions) | 7.2062% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 3,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 38.2871% | 4,412 |
| Net loans and leases to deposits | 42.1058% | 4,494 |
| Net loans and leases to core deposits | 45.7256% | 4,450 |
| Total domestic deposits to total assets | 90.9307% | 426 |
| Equity capital to assets | 7.8944% | 4,549 |
| Core capital (leverage) ratio | 7.2624% | 4,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4239% | 1,766 |
| Memoranda: | ||
| Average total assets | $131,528,500 | 3,722 |
| Average earning assets | $128,075,500 | 3,648 |
| Average equity | $10,314,000 | 4,181 |
| Average total loans | $51,158,500 | 4,068 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 3,368 |
| Cost of funding earning assets | 0.2313% | 4,457 |
| Net interest margin | 3.5458% | 2,321 |
| Noninterest income to average assets | 0.3062% | 3,648 |
| Noninterest expense to average assets | 2.4664% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2221% | 1,471 |
| Return on assets (ROA) | 1.3446% | 1,235 |
| Pretax return on assets | 1.3956% | 1,672 |
| Return on Equity (ROE) | 16.5713% | 450 |
| Retained earnings to average equity (ytd only) | 7.6620% | 1,156 |
| Net charge-offs to loans | 0.0223% | 2,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 124.2500% | 687 |
| Efficiency ratio | 66.0442% | 2,525 |
| Assets per employee ($millions) | 7.4081% | 1,336 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 3,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 38.5984% | 4,496 |
| Net loans and leases to deposits | 42.3714% | 4,585 |
| Net loans and leases to core deposits | 45.5700% | 4,553 |
| Total domestic deposits to total assets | 91.0953% | 205 |
| Equity capital to assets | 7.7903% | 4,777 |
| Core capital (leverage) ratio | 7.3096% | 4,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6708% | 1,984 |
| Memoranda: | ||
| Average total assets | $117,580,000 | 3,773 |
| Average earning assets | $113,682,200 | 3,715 |
| Average equity | $9,540,600 | 4,243 |
| Average total loans | $53,929,400 | 4,020 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 2,775 |
| Cost of funding earning assets | 0.2637% | 4,457 |
| Net interest margin | 3.8015% | 1,616 |
| Noninterest income to average assets | 0.3543% | 3,333 |
| Noninterest expense to average assets | 2.4205% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5317% | 848 |
| Return on assets (ROA) | 1.6989% | 638 |
| Pretax return on assets | 1.7799% | 814 |
| Return on Equity (ROE) | 20.6954% | 215 |
| Retained earnings to average equity (ytd only) | 15.1213% | 196 |
| Net charge-offs to loans | 0.0294% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 113.9167% | 725 |
| Efficiency ratio | 60.1458% | 3,373 |
| Assets per employee ($millions) | 7.0146% | 1,493 |
| Cash dividends to net income (ytd only)* | 26.9337% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,329 |
| Loan loss allowance to noncurrent loans | 1,708.3333% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 4,311 |
| Noncurrent loans to loans | 0.0630% | 4,118 |
| Net loans and leases to total assets | 47.4289% | 4,245 |
| Net loans and leases to deposits | 54.2393% | 4,328 |
| Net loans and leases to core deposits | 59.0598% | 4,252 |
| Total domestic deposits to total assets | 87.4438% | 1,475 |
| Equity capital to assets | 8.9066% | 4,179 |
| Core capital (leverage) ratio | 7.7535% | 4,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0909% | 1,801 |
| Memoranda: | ||
| Average total assets | $113,638,750 | 3,819 |
| Average earning assets | $109,708,750 | 3,758 |
| Average equity | $9,328,750 | 4,286 |
| Average total loans | $54,390,750 | 4,038 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 2,358 |
| Cost of funding earning assets | 0.3071% | 4,454 |
| Net interest margin | 4.0355% | 1,249 |
| Noninterest income to average assets | 0.4295% | 2,915 |
| Noninterest expense to average assets | 2.4747% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7746% | 527 |
| Return on assets (ROA) | 1.8055% | 544 |
| Pretax return on assets | 1.8896% | 681 |
| Return on Equity (ROE) | 22.6793% | 147 |
| Retained earnings to average equity (ytd only) | 19.5325% | 97 |
| Net charge-offs to loans | 0.0449% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 86.5000% | 768 |
| Efficiency ratio | 57.1252% | 3,796 |
| Assets per employee ($millions) | 6.5802% | 1,722 |
| Cash dividends to net income (ytd only)* | 13.8751% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,148 |
| Loan loss allowance to noncurrent loans | 1,708.3333% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,398 |
| Noncurrent loans to loans | 0.0635% | 4,221 |
| Net loans and leases to total assets | 47.3190% | 4,295 |
| Net loans and leases to deposits | 52.9125% | 4,413 |
| Net loans and leases to core deposits | 57.5338% | 4,376 |
| Total domestic deposits to total assets | 89.4287% | 604 |
| Equity capital to assets | 8.6751% | 4,370 |
| Core capital (leverage) ratio | 7.7823% | 4,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7642% | 1,900 |
| Memoranda: | ||
| Average total assets | $111,769,000 | 3,836 |
| Average earning assets | $108,091,667 | 3,770 |
| Average equity | $8,898,000 | 4,348 |
| Average total loans | $53,463,333 | 4,068 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 3,746 |
| Cost of funding earning assets | 0.3780% | 4,432 |
| Net interest margin | 3.6385% | 2,544 |
| Noninterest income to average assets | 0.7083% | 1,625 |
| Noninterest expense to average assets | 2.4974% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6490% | 561 |
| Return on assets (ROA) | 1.6490% | 620 |
| Pretax return on assets | 1.7264% | 821 |
| Return on Equity (ROE) | 21.7796% | 117 |
| Retained earnings to average equity (ytd only) | 21.7796% | 47 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1266% | 3,850 |
| Assets per employee ($millions) | 5.5579% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,414 |
| Loan loss allowance to noncurrent loans | 1,741.6667% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 4,448 |
| Noncurrent loans to loans | 0.0716% | 4,238 |
| Net loans and leases to total assets | 47.0289% | 4,384 |
| Net loans and leases to deposits | 51.9645% | 4,519 |
| Net loans and leases to core deposits | 56.6703% | 4,473 |
| Total domestic deposits to total assets | 90.5020% | 194 |
| Equity capital to assets | 7.6505% | 5,020 |
| Core capital (leverage) ratio | 7.8584% | 5,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6193% | 2,435 |
| Memoranda: | ||
| Average total assets | $108,432,000 | 3,864 |
| Average earning assets | $104,768,500 | 3,806 |
| Average equity | $8,209,500 | 4,467 |
| Average total loans | $51,864,500 | 4,117 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 3,788 |
| Cost of funding earning assets | 0.5042% | 4,077 |
| Net interest margin | 3.7061% | 2,797 |
| Noninterest income to average assets | 0.3650% | 3,515 |
| Noninterest expense to average assets | 2.6301% | 3,096 |
| Loan and lease loss provision to assets | -0.0039% | 4,915 |
| Net operating income to assets | 1.2409% | 1,902 |
| Return on assets (ROA) | 1.2353% | 2,011 |
| Pretax return on assets | 1.2888% | 2,543 |
| Return on Equity (ROE) | 16.1487% | 522 |
| Retained earnings to average equity (ytd only) | 5.8410% | 1,953 |
| Net charge-offs to loans | -0.0099% | 4,466 |
| Credit loss provision to net charge-offs | 80.0000% | 2,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0804% | 2,608 |
| Assets per employee ($millions) | 5.8559% | 1,751 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 2,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 47.4659% | 4,448 |
| Net loans and leases to deposits | 52.6961% | 4,581 |
| Net loans and leases to core deposits | 57.1781% | 4,549 |
| Total domestic deposits to total assets | 90.0749% | 301 |
| Equity capital to assets | 7.4958% | 5,111 |
| Core capital (leverage) ratio | 7.7403% | 5,080 |
| Tier 1 risk-based capital ratio | 12.0544% | 4,334 |
| Total risk-based capital ratio | 13.0059% | 4,370 |
| Memoranda: | ||
| Average total assets | $102,731,800 | 3,957 |
| Average earning assets | $98,566,400 | 3,899 |
| Average equity | $7,858,200 | 4,523 |
| Average total loans | $50,488,000 | 4,172 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 3,679 |
| Cost of funding earning assets | 0.5118% | 4,092 |
| Net interest margin | 3.7791% | 2,659 |
| Noninterest income to average assets | 0.4029% | 3,298 |
| Noninterest expense to average assets | 2.5301% | 3,351 |
| Loan and lease loss provision to assets | -0.0053% | 5,044 |
| Net operating income to assets | 1.4310% | 1,383 |
| Return on assets (ROA) | 1.4234% | 1,458 |
| Pretax return on assets | 1.4910% | 1,980 |
| Return on Equity (ROE) | 18.5062% | 352 |
| Retained earnings to average equity (ytd only) | 13.5092% | 233 |
| Net charge-offs to loans | -0.0107% | 4,395 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8788% | 3,184 |
| Assets per employee ($millions) | 5.0422% | 2,503 |
| Cash dividends to net income (ytd only)* | 27.0022% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,324 |
| Loan loss allowance to noncurrent loans | 6,260.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 4,712 |
| Noncurrent loans to loans | 0.0197% | 4,586 |
| Net loans and leases to total assets | 49.7437% | 4,442 |
| Net loans and leases to deposits | 59.3666% | 4,411 |
| Net loans and leases to core deposits | 65.2255% | 4,316 |
| Total domestic deposits to total assets | 83.7906% | 2,897 |
| Equity capital to assets | 8.4884% | 5,007 |
| Core capital (leverage) ratio | 8.2078% | 5,060 |
| Tier 1 risk-based capital ratio | 12.9525% | 3,877 |
| Total risk-based capital ratio | 13.9331% | 3,909 |
| Memoranda: | ||
| Average total assets | $100,599,000 | 4,035 |
| Average earning assets | $96,387,000 | 3,976 |
| Average equity | $7,737,750 | 4,595 |
| Average total loans | $49,750,250 | 4,238 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 3,798 |
| Cost of funding earning assets | 0.4772% | 4,219 |
| Net interest margin | 3.7717% | 2,687 |
| Noninterest income to average assets | 0.4676% | 2,859 |
| Noninterest expense to average assets | 2.4971% | 3,492 |
| Loan and lease loss provision to assets | -0.0080% | 5,116 |
| Net operating income to assets | 1.5234% | 1,085 |
| Return on assets (ROA) | 1.5102% | 1,171 |
| Pretax return on assets | 1.5818% | 1,601 |
| Return on Equity (ROE) | 20.3385% | 236 |
| Retained earnings to average equity (ytd only) | 18.4628% | 77 |
| Net charge-offs to loans | -0.0081% | 4,260 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1301% | 3,566 |
| Assets per employee ($millions) | 5.0305% | 2,440 |
| Cash dividends to net income (ytd only)* | 9.2227% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,295 |
| Loan loss allowance to noncurrent loans | 31,200.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,817 |
| Noncurrent loans to loans | 0.0040% | 4,718 |
| Net loans and leases to total assets | 49.3445% | 4,503 |
| Net loans and leases to deposits | 55.0370% | 4,631 |
| Net loans and leases to core deposits | 60.2817% | 4,563 |
| Total domestic deposits to total assets | 89.6570% | 426 |
| Equity capital to assets | 8.2597% | 5,127 |
| Core capital (leverage) ratio | 8.1837% | 5,116 |
| Tier 1 risk-based capital ratio | 12.8660% | 3,906 |
| Total risk-based capital ratio | 13.8481% | 3,961 |
| Memoranda: | ||
| Average total assets | $100,517,670 | 4,062 |
| Average earning assets | $96,401,670 | 3,999 |
| Average equity | $7,463,670 | 4,657 |
| Average total loans | $49,404,000 | 4,271 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 3,930 |
| Cost of funding earning assets | 0.4601% | 4,243 |
| Net interest margin | 3.7183% | 2,822 |
| Noninterest income to average assets | 0.5972% | 2,059 |
| Noninterest expense to average assets | 2.4564% | 3,615 |
| Loan and lease loss provision to assets | -0.0159% | 5,221 |
| Net operating income to assets | 1.6525% | 806 |
| Return on assets (ROA) | 1.6602% | 824 |
| Pretax return on assets | 1.7358% | 1,122 |
| Return on Equity (ROE) | 23.6915% | 125 |
| Retained earnings to average equity (ytd only) | 23.6915% | 57 |
| Net charge-offs to loans | -0.0163% | 4,412 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9303% | 3,968 |
| Assets per employee ($millions) | 4.9558% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,152 |
| Loan loss allowance to noncurrent loans | 15,600.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,866 |
| Noncurrent loans to loans | 0.0083% | 4,756 |
| Net loans and leases to total assets | 48.2788% | 4,573 |
| Net loans and leases to deposits | 53.1052% | 4,710 |
| Net loans and leases to core deposits | 58.6781% | 4,621 |
| Total domestic deposits to total assets | 90.9117% | 190 |
| Equity capital to assets | 7.5356% | 5,261 |
| Core capital (leverage) ratio | 7.9711% | 5,213 |
| Tier 1 risk-based capital ratio | 12.8624% | 3,949 |
| Total risk-based capital ratio | 13.8781% | 3,963 |
| Memoranda: | ||
| Average total assets | $100,472,000 | 4,103 |
| Average earning assets | $96,495,500 | 4,037 |
| Average equity | $7,040,500 | 4,744 |
| Average total loans | $48,971,500 | 4,326 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,930 |
| Cost of funding earning assets | 0.3969% | 4,001 |
| Net interest margin | 3.6380% | 3,260 |
| Noninterest income to average assets | 0.3585% | 3,696 |
| Noninterest expense to average assets | 2.7327% | 2,923 |
| Loan and lease loss provision to assets | -0.0411% | 5,174 |
| Net operating income to assets | 1.1165% | 2,530 |
| Return on assets (ROA) | 1.1165% | 2,530 |
| Pretax return on assets | 1.1650% | 3,040 |
| Return on Equity (ROE) | 16.0591% | 623 |
| Retained earnings to average equity (ytd only) | 5.6715% | 2,370 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8584% | 2,062 |
| Assets per employee ($millions) | 5.0914% | 2,389 |
| Cash dividends to net income (ytd only)* | 64.6837% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,224 |
| Loan loss allowance to noncurrent loans | 15,650.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,912 |
| Noncurrent loans to loans | 0.0081% | 4,784 |
| Net loans and leases to total assets | 47.9642% | 4,641 |
| Net loans and leases to deposits | 52.3826% | 4,813 |
| Net loans and leases to core deposits | 57.0100% | 4,742 |
| Total domestic deposits to total assets | 91.5652% | 110 |
| Equity capital to assets | 6.4933% | 5,363 |
| Core capital (leverage) ratio | 7.7863% | 5,284 |
| Tier 1 risk-based capital ratio | 12.9400% | 3,881 |
| Total risk-based capital ratio | 14.0222% | 3,860 |
| Memoranda: | ||
| Average total assets | $94,850,400 | 4,188 |
| Average earning assets | $91,204,200 | 4,127 |
| Average equity | $6,594,400 | 4,811 |
| Average total loans | $45,964,200 | 4,404 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 3,953 |
| Cost of funding earning assets | 0.3567% | 4,139 |
| Net interest margin | 3.6368% | 3,239 |
| Noninterest income to average assets | 0.4167% | 3,378 |
| Noninterest expense to average assets | 2.6464% | 3,133 |
| Loan and lease loss provision to assets | -0.0559% | 5,300 |
| Net operating income to assets | 1.2702% | 1,964 |
| Return on assets (ROA) | 1.2702% | 1,968 |
| Pretax return on assets | 1.3304% | 2,504 |
| Return on Equity (ROE) | 17.9460% | 432 |
| Retained earnings to average equity (ytd only) | 10.6624% | 730 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4945% | 2,631 |
| Assets per employee ($millions) | 4.7115% | 2,832 |
| Cash dividends to net income (ytd only)* | 40.5863% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,166 |
| Loan loss allowance to noncurrent loans | 12,540.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,001 |
| Noncurrent loans to loans | 0.0103% | 4,877 |
| Net loans and leases to total assets | 51.0671% | 4,526 |
| Net loans and leases to deposits | 60.6481% | 4,517 |
| Net loans and leases to core deposits | 67.0428% | 4,352 |
| Total domestic deposits to total assets | 84.2023% | 2,874 |
| Equity capital to assets | 6.8355% | 5,406 |
| Core capital (leverage) ratio | 8.0689% | 5,302 |
| Tier 1 risk-based capital ratio | 13.2485% | 3,762 |
| Total risk-based capital ratio | 14.3360% | 3,770 |
| Memoranda: | ||
| Average total assets | $93,106,000 | 4,261 |
| Average earning assets | $89,710,250 | 4,194 |
| Average equity | $6,590,000 | 4,865 |
| Average total loans | $45,088,500 | 4,479 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 4,198 |
| Cost of funding earning assets | 0.3091% | 4,359 |
| Net interest margin | 3.5474% | 3,475 |
| Noninterest income to average assets | 0.4529% | 3,131 |
| Noninterest expense to average assets | 2.5946% | 3,342 |
| Loan and lease loss provision to assets | -0.0841% | 5,409 |
| Net operating income to assets | 1.2984% | 1,781 |
| Return on assets (ROA) | 1.2984% | 1,772 |
| Pretax return on assets | 1.3588% | 2,297 |
| Return on Equity (ROE) | 18.1334% | 405 |
| Retained earnings to average equity (ytd only) | 13.9164% | 288 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0569% | 2,811 |
| Assets per employee ($millions) | 4.8706% | 2,597 |
| Cash dividends to net income (ytd only)* | 23.2558% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,790 |
| Loan loss allowance to noncurrent loans | 1,605.1282% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 4,811 |
| Noncurrent loans to loans | 0.0865% | 4,522 |
| Net loans and leases to total assets | 48.0274% | 4,719 |
| Net loans and leases to deposits | 53.1073% | 4,873 |
| Net loans and leases to core deposits | 57.9231% | 4,796 |
| Total domestic deposits to total assets | 90.4345% | 422 |
| Equity capital to assets | 7.0996% | 5,437 |
| Core capital (leverage) ratio | 8.1041% | 5,309 |
| Tier 1 risk-based capital ratio | 13.8342% | 3,444 |
| Total risk-based capital ratio | 14.9778% | 3,402 |
| Memoranda: | ||
| Average total assets | $92,731,670 | 4,301 |
| Average earning assets | $89,304,670 | 4,235 |
| Average equity | $6,639,670 | 4,902 |
| Average total loans | $43,869,000 | 4,548 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 4,283 |
| Cost of funding earning assets | 0.2913% | 4,407 |
| Net interest margin | 3.4866% | 3,580 |
| Noninterest income to average assets | 0.6248% | 2,150 |
| Noninterest expense to average assets | 2.5811% | 3,387 |
| Loan and lease loss provision to assets | -0.1207% | 5,520 |
| Net operating income to assets | 1.4479% | 1,201 |
| Return on assets (ROA) | 1.4479% | 1,208 |
| Pretax return on assets | 1.5168% | 1,640 |
| Return on Equity (ROE) | 20.1363% | 240 |
| Retained earnings to average equity (ytd only) | 20.1363% | 101 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8971% | 3,333 |
| Assets per employee ($millions) | 4.9035% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,277 |
| Loan loss allowance to noncurrent loans | 6,370.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 5,070 |
| Noncurrent loans to loans | 0.0244% | 4,871 |
| Net loans and leases to total assets | 43.3523% | 4,924 |
| Net loans and leases to deposits | 47.2188% | 5,067 |
| Net loans and leases to core deposits | 52.7402% | 4,960 |
| Total domestic deposits to total assets | 91.8115% | 132 |
| Equity capital to assets | 7.0422% | 5,507 |
| Core capital (leverage) ratio | 8.0818% | 5,370 |
| Tier 1 risk-based capital ratio | 14.8684% | 2,939 |
| Total risk-based capital ratio | 16.1183% | 2,875 |
| Memoranda: | ||
| Average total assets | $92,827,000 | 4,352 |
| Average earning assets | $89,255,000 | 4,280 |
| Average equity | $6,674,500 | 4,948 |
| Average total loans | $43,268,000 | 4,604 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6560% | 4,437 |
| Cost of funding earning assets | 0.2040% | 4,917 |
| Net interest margin | 3.4520% | 3,683 |
| Noninterest income to average assets | 0.3486% | 3,969 |
| Noninterest expense to average assets | 2.5967% | 3,458 |
| Loan and lease loss provision to assets | 0.0563% | 3,104 |
| Net operating income to assets | 0.9765% | 2,340 |
| Return on assets (ROA) | 1.0888% | 1,920 |
| Pretax return on assets | 1.1351% | 3,041 |
| Return on Equity (ROE) | 14.1400% | 741 |
| Retained earnings to average equity (ytd only) | 3.7535% | 2,977 |
| Net charge-offs to loans | -0.0066% | 4,695 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7332% | 2,436 |
| Assets per employee ($millions) | 4.6244% | 2,992 |
| Cash dividends to net income (ytd only)* | 73.4549% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 1,542 |
| Loan loss allowance to noncurrent loans | 7,388.8889% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 5,122 |
| Noncurrent loans to loans | 0.0198% | 4,929 |
| Net loans and leases to total assets | 48.4868% | 4,738 |
| Net loans and leases to deposits | 54.0856% | 4,891 |
| Net loans and leases to core deposits | 57.2216% | 4,887 |
| Total domestic deposits to total assets | 89.6483% | 710 |
| Equity capital to assets | 7.3394% | 5,561 |
| Core capital (leverage) ratio | 7.9221% | 5,474 |
| Tier 1 risk-based capital ratio | 13.2710% | 3,753 |
| Total risk-based capital ratio | 14.5121% | 3,684 |
| Memoranda: | ||
| Average total assets | $90,654,200 | 4,415 |
| Average earning assets | $87,253,800 | 4,344 |
| Average equity | $6,980,200 | 4,941 |
| Average total loans | $45,317,800 | 4,582 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 4,513 |
| Cost of funding earning assets | 0.1962% | 5,007 |
| Net interest margin | 3.4236% | 3,765 |
| Noninterest income to average assets | 0.3725% | 3,863 |
| Noninterest expense to average assets | 2.5455% | 3,581 |
| Loan and lease loss provision to assets | 0.0163% | 3,818 |
| Net operating income to assets | 1.0618% | 2,275 |
| Return on assets (ROA) | 1.2107% | 1,682 |
| Pretax return on assets | 1.2683% | 2,629 |
| Return on Equity (ROE) | 15.5369% | 586 |
| Retained earnings to average equity (ytd only) | 7.9486% | 1,245 |
| Net charge-offs to loans | -0.0088% | 4,598 |
| Credit loss provision to net charge-offs | -366.6667% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2958% | 2,652 |
| Assets per employee ($millions) | 4.4601% | 3,224 |
| Cash dividends to net income (ytd only)* | 48.8402% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 52.1844% | 4,552 |
| Net loans and leases to deposits | 63.7780% | 4,393 |
| Net loans and leases to core deposits | 65.1408% | 4,538 |
| Total domestic deposits to total assets | 81.8220% | 3,826 |
| Equity capital to assets | 8.1434% | 5,460 |
| Core capital (leverage) ratio | 8.1729% | 5,438 |
| Tier 1 risk-based capital ratio | 13.5005% | 3,702 |
| Total risk-based capital ratio | 14.6615% | 3,677 |
| Memoranda: | ||
| Average total assets | $90,196,000 | 4,464 |
| Average earning assets | $86,964,000 | 4,391 |
| Average equity | $7,028,250 | 4,992 |
| Average total loans | $45,270,000 | 4,629 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5435% | 4,647 |
| Cost of funding earning assets | 0.1878% | 5,085 |
| Net interest margin | 3.3557% | 3,926 |
| Noninterest income to average assets | 0.4087% | 3,634 |
| Noninterest expense to average assets | 2.5075% | 3,723 |
| Loan and lease loss provision to assets | 0.0243% | 3,515 |
| Net operating income to assets | 1.0631% | 2,151 |
| Return on assets (ROA) | 1.2328% | 1,522 |
| Pretax return on assets | 1.2902% | 2,427 |
| Return on Equity (ROE) | 16.0583% | 521 |
| Retained earnings to average equity (ytd only) | 11.7416% | 347 |
| Net charge-offs to loans | -0.0045% | 4,312 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7879% | 2,872 |
| Assets per employee ($millions) | 4.6982% | 2,793 |
| Cash dividends to net income (ytd only)* | 26.8817% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 2,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 50.8279% | 4,654 |
| Net loans and leases to deposits | 60.6270% | 4,582 |
| Net loans and leases to core deposits | 61.8847% | 4,721 |
| Total domestic deposits to total assets | 83.8371% | 3,263 |
| Equity capital to assets | 8.1935% | 5,449 |
| Core capital (leverage) ratio | 8.1034% | 5,488 |
| Tier 1 risk-based capital ratio | 13.5245% | 3,692 |
| Total risk-based capital ratio | 14.6856% | 3,648 |
| Memoranda: | ||
| Average total assets | $90,527,670 | 4,488 |
| Average earning assets | $87,315,000 | 4,411 |
| Average equity | $6,949,670 | 5,033 |
| Average total loans | $44,635,330 | 4,672 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 4,790 |
| Cost of funding earning assets | 0.1727% | 5,215 |
| Net interest margin | 3.2902% | 4,042 |
| Noninterest income to average assets | 0.4827% | 3,091 |
| Noninterest expense to average assets | 2.4924% | 3,835 |
| Loan and lease loss provision to assets | 0.0483% | 2,848 |
| Net operating income to assets | 1.0696% | 1,989 |
| Return on assets (ROA) | 1.2550% | 1,397 |
| Pretax return on assets | 1.3120% | 2,195 |
| Return on Equity (ROE) | 16.9043% | 425 |
| Retained earnings to average equity (ytd only) | 16.9043% | 171 |
| Net charge-offs to loans | -0.0091% | 4,384 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1055% | 3,178 |
| Assets per employee ($millions) | 4.6210% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 1,884 |
| Loan loss allowance to noncurrent loans | 62,300.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,390 |
| Noncurrent loans to loans | 0.0023% | 5,271 |
| Net loans and leases to total assets | 48.4220% | 4,787 |
| Net loans and leases to deposits | 55.6838% | 4,837 |
| Net loans and leases to core deposits | 56.8134% | 4,933 |
| Total domestic deposits to total assets | 86.9588% | 2,237 |
| Equity capital to assets | 7.8987% | 5,566 |
| Core capital (leverage) ratio | 8.0577% | 5,534 |
| Tier 1 risk-based capital ratio | 13.9957% | 3,483 |
| Total risk-based capital ratio | 15.2177% | 3,413 |
| Memoranda: | ||
| Average total assets | $91,158,500 | 4,519 |
| Average earning assets | $88,020,000 | 4,444 |
| Average equity | $6,767,500 | 5,109 |
| Average total loans | $43,955,500 | 4,730 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 4,494 |
| Cost of funding earning assets | 0.1517% | 5,414 |
| Net interest margin | 3.4535% | 3,616 |
| Noninterest income to average assets | 0.3657% | 4,129 |
| Noninterest expense to average assets | 2.6806% | 3,409 |
| Loan and lease loss provision to assets | 0.0134% | 4,111 |
| Net operating income to assets | 0.9651% | 2,512 |
| Return on assets (ROA) | 0.9846% | 2,518 |
| Pretax return on assets | 1.0180% | 3,415 |
| Return on Equity (ROE) | 12.0784% | 1,223 |
| Retained earnings to average equity (ytd only) | 1.6825% | 4,571 |
| Net charge-offs to loans | 0.0023% | 4,192 |
| Credit loss provision to net charge-offs | 1,200.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 907.0000% | 85 |
| Efficiency ratio | 72.6065% | 2,489 |
| Assets per employee ($millions) | 4.7259% | 2,747 |
| Cash dividends to net income (ytd only)* | 86.0702% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 2,242 |
| Loan loss allowance to noncurrent loans | 12,220.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,411 |
| Noncurrent loans to loans | 0.0112% | 5,244 |
| Net loans and leases to total assets | 46.7244% | 4,971 |
| Net loans and leases to deposits | 52.7168% | 5,080 |
| Net loans and leases to core deposits | 53.8665% | 5,154 |
| Total domestic deposits to total assets | 88.6329% | 1,305 |
| Equity capital to assets | 6.9828% | 5,804 |
| Core capital (leverage) ratio | 7.8546% | 5,667 |
| Tier 1 risk-based capital ratio | 13.1334% | 3,980 |
| Total risk-based capital ratio | 14.3049% | 3,949 |
| Memoranda: | ||
| Average total assets | $89,683,000 | 4,550 |
| Average earning assets | $86,376,600 | 4,466 |
| Average equity | $7,310,600 | 5,037 |
| Average total loans | $43,338,200 | 4,775 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6635% | 4,359 |
| Cost of funding earning assets | 0.1488% | 5,492 |
| Net interest margin | 3.5147% | 3,417 |
| Noninterest income to average assets | 0.4009% | 3,916 |
| Noninterest expense to average assets | 2.7081% | 3,329 |
| Loan and lease loss provision to assets | 0.0181% | 3,885 |
| Net operating income to assets | 1.0093% | 2,389 |
| Return on assets (ROA) | 1.0353% | 2,389 |
| Pretax return on assets | 1.0835% | 3,302 |
| Return on Equity (ROE) | 12.2322% | 1,256 |
| Retained earnings to average equity (ytd only) | 4.4869% | 3,147 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5936% | 2,631 |
| Assets per employee ($millions) | 4.3500% | 3,331 |
| Cash dividends to net income (ytd only)* | 63.3191% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 2,402 |
| Loan loss allowance to noncurrent loans | 4,371.4286% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,449 |
| Noncurrent loans to loans | 0.0310% | 5,258 |
| Net loans and leases to total assets | 51.1293% | 4,722 |
| Net loans and leases to deposits | 61.8734% | 4,635 |
| Net loans and leases to core deposits | 63.4361% | 4,753 |
| Total domestic deposits to total assets | 82.6354% | 3,732 |
| Equity capital to assets | 8.6852% | 5,410 |
| Core capital (leverage) ratio | 8.1547% | 5,606 |
| Tier 1 risk-based capital ratio | 13.2710% | 3,993 |
| Total risk-based capital ratio | 14.4349% | 3,949 |
| Memoranda: | ||
| Average total assets | $88,474,250 | 4,611 |
| Average earning assets | $85,126,750 | 4,529 |
| Average equity | $7,488,250 | 5,063 |
| Average total loans | $42,979,250 | 4,828 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6656% | 4,398 |
| Cost of funding earning assets | 0.1424% | 5,597 |
| Net interest margin | 3.5232% | 3,401 |
| Noninterest income to average assets | 0.4294% | 3,665 |
| Noninterest expense to average assets | 2.6819% | 3,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0888% | 1,998 |
| Return on assets (ROA) | 1.1060% | 2,061 |
| Pretax return on assets | 1.1577% | 2,950 |
| Return on Equity (ROE) | 13.1803% | 986 |
| Retained earnings to average equity (ytd only) | 9.0280% | 843 |
| Net charge-offs to loans | 0.0047% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 507.0000% | 134 |
| Efficiency ratio | 70.1765% | 2,949 |
| Assets per employee ($millions) | 4.3344% | 3,319 |
| Cash dividends to net income (ytd only)* | 31.5041% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 2,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 47.6104% | 5,020 |
| Net loans and leases to deposits | 56.6939% | 4,972 |
| Net loans and leases to core deposits | 58.1034% | 5,064 |
| Total domestic deposits to total assets | 83.9780% | 3,275 |
| Equity capital to assets | 8.8906% | 5,320 |
| Core capital (leverage) ratio | 8.2368% | 5,577 |
| Tier 1 risk-based capital ratio | 13.8295% | 3,706 |
| Total risk-based capital ratio | 15.0023% | 3,665 |
| Memoranda: | ||
| Average total assets | $88,966,000 | 4,638 |
| Average earning assets | $85,661,000 | 4,548 |
| Average equity | $7,465,670 | 5,110 |
| Average total loans | $42,274,330 | 4,894 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,192 |
| Cost of funding earning assets | 0.1380% | 5,693 |
| Net interest margin | 3.5961% | 3,097 |
| Noninterest income to average assets | 0.5505% | 2,802 |
| Noninterest expense to average assets | 2.6591% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3021% | 1,245 |
| Return on assets (ROA) | 1.3362% | 1,253 |
| Pretax return on assets | 1.3984% | 1,910 |
| Return on Equity (ROE) | 16.3921% | 494 |
| Retained earnings to average equity (ytd only) | 16.3921% | 176 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1148% | 3,781 |
| Assets per employee ($millions) | 4.4034% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 2,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 47.0483% | 5,045 |
| Net loans and leases to deposits | 54.3739% | 5,078 |
| Net loans and leases to core deposits | 55.6617% | 5,152 |
| Total domestic deposits to total assets | 86.5273% | 2,433 |
| Equity capital to assets | 8.6014% | 5,492 |
| Core capital (leverage) ratio | 7.8622% | 5,829 |
| Tier 1 risk-based capital ratio | 13.6314% | 3,910 |
| Total risk-based capital ratio | 14.7953% | 3,881 |
| Memoranda: | ||
| Average total assets | $90,105,500 | 4,657 |
| Average earning assets | $86,984,000 | 4,564 |
| Average equity | $7,345,000 | 5,166 |
| Average total loans | $42,476,000 | 4,919 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6248% | 4,605 |
| Cost of funding earning assets | 0.1460% | 5,709 |
| Net interest margin | 3.4787% | 3,600 |
| Noninterest income to average assets | 0.3449% | 4,448 |
| Noninterest expense to average assets | 2.6955% | 3,594 |
| Loan and lease loss provision to assets | 0.0099% | 4,204 |
| Net operating income to assets | 0.9579% | 2,585 |
| Return on assets (ROA) | 0.9631% | 2,634 |
| Pretax return on assets | 1.0050% | 3,457 |
| Return on Equity (ROE) | 11.9759% | 1,307 |
| Retained earnings to average equity (ytd only) | 1.5621% | 4,830 |
| Net charge-offs to loans | -0.0049% | 4,971 |
| Credit loss provision to net charge-offs | -450.0000% | 5,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7543% | 2,782 |
| Assets per employee ($millions) | 4.3878% | 3,237 |
| Cash dividends to net income (ytd only)* | 86.9565% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 2,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 45.9259% | 5,165 |
| Net loans and leases to deposits | 51.1427% | 5,329 |
| Net loans and leases to core deposits | 52.2483% | 5,405 |
| Total domestic deposits to total assets | 89.7997% | 716 |
| Equity capital to assets | 7.7216% | 5,937 |
| Core capital (leverage) ratio | 7.5269% | 5,975 |
| Tier 1 risk-based capital ratio | 12.7350% | 4,488 |
| Total risk-based capital ratio | 13.8711% | 4,448 |
| Memoranda: | ||
| Average total assets | $90,744,800 | 4,651 |
| Average earning assets | $87,646,600 | 4,545 |
| Average equity | $7,298,000 | 5,187 |
| Average total loans | $40,805,600 | 4,974 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 4,679 |
| Cost of funding earning assets | 0.1467% | 5,807 |
| Net interest margin | 3.4699% | 3,669 |
| Noninterest income to average assets | 0.3732% | 4,266 |
| Noninterest expense to average assets | 2.6240% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0476% | 2,227 |
| Return on assets (ROA) | 1.0546% | 2,293 |
| Pretax return on assets | 1.1048% | 3,207 |
| Return on Equity (ROE) | 12.9812% | 1,125 |
| Retained earnings to average equity (ytd only) | 5.0835% | 2,857 |
| Net charge-offs to loans | -0.0066% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5113% | 3,132 |
| Assets per employee ($millions) | 4.4953% | 3,016 |
| Cash dividends to net income (ytd only)* | 60.8396% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 2,489 |
| Loan loss allowance to noncurrent loans | 4,925.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 5,749 |
| Noncurrent loans to loans | 0.0289% | 5,510 |
| Net loans and leases to total assets | 45.5465% | 5,260 |
| Net loans and leases to deposits | 56.2471% | 5,109 |
| Net loans and leases to core deposits | 57.6178% | 5,213 |
| Total domestic deposits to total assets | 80.9757% | 4,478 |
| Equity capital to assets | 8.1496% | 5,898 |
| Core capital (leverage) ratio | 7.7905% | 5,984 |
| Tier 1 risk-based capital ratio | 12.8620% | 4,518 |
| Total risk-based capital ratio | 13.9650% | 4,512 |
| Memoranda: | ||
| Average total assets | $90,395,000 | 4,715 |
| Average earning assets | $87,225,000 | 4,601 |
| Average equity | $7,343,750 | 5,246 |
| Average total loans | $40,277,500 | 5,051 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 4,724 |
| Cost of funding earning assets | 0.1444% | 5,897 |
| Net interest margin | 3.4529% | 3,693 |
| Noninterest income to average assets | 0.4240% | 3,895 |
| Noninterest expense to average assets | 2.5972% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1004% | 1,953 |
| Return on assets (ROA) | 1.1109% | 1,992 |
| Pretax return on assets | 1.1639% | 2,923 |
| Return on Equity (ROE) | 13.6883% | 964 |
| Retained earnings to average equity (ytd only) | 9.6063% | 750 |
| Net charge-offs to loans | -0.0050% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2580% | 3,452 |
| Assets per employee ($millions) | 4.7215% | 2,647 |
| Cash dividends to net income (ytd only)* | 29.8211% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 2,268 |
| Loan loss allowance to noncurrent loans | 2,185.1852% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 5,756 |
| Noncurrent loans to loans | 0.0690% | 5,458 |
| Net loans and leases to total assets | 42.9716% | 5,438 |
| Net loans and leases to deposits | 49.1364% | 5,548 |
| Net loans and leases to core deposits | 50.2418% | 5,605 |
| Total domestic deposits to total assets | 87.4537% | 1,926 |
| Equity capital to assets | 8.2233% | 5,867 |
| Core capital (leverage) ratio | 7.8048% | 6,015 |
| Tier 1 risk-based capital ratio | 13.5057% | 4,221 |
| Total risk-based capital ratio | 14.6497% | 4,206 |
| Memoranda: | ||
| Average total assets | $90,558,000 | 4,750 |
| Average earning assets | $87,230,670 | 4,648 |
| Average equity | $7,349,330 | 5,290 |
| Average total loans | $39,856,670 | 5,116 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 4,663 |
| Cost of funding earning assets | 0.1418% | 5,985 |
| Net interest margin | 3.4668% | 3,559 |
| Noninterest income to average assets | 0.5803% | 2,770 |
| Noninterest expense to average assets | 2.5983% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2574% | 1,383 |
| Return on assets (ROA) | 1.2574% | 1,468 |
| Pretax return on assets | 1.3145% | 2,219 |
| Return on Equity (ROE) | 15.5954% | 618 |
| Retained earnings to average equity (ytd only) | 15.5954% | 238 |
| Net charge-offs to loans | 0.0597% | 2,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 49.8333% | 841 |
| Efficiency ratio | 66.4045% | 4,078 |
| Assets per employee ($millions) | 4.4983% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 2,059 |
| Loan loss allowance to noncurrent loans | 29,150.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,967 |
| Noncurrent loans to loans | 0.0055% | 5,790 |
| Net loans and leases to total assets | 39.8966% | 5,603 |
| Net loans and leases to deposits | 44.1521% | 5,754 |
| Net loans and leases to core deposits | 45.1070% | 5,794 |
| Total domestic deposits to total assets | 90.3618% | 581 |
| Equity capital to assets | 8.3710% | 5,825 |
| Core capital (leverage) ratio | 7.7136% | 6,062 |
| Tier 1 risk-based capital ratio | 14.3933% | 3,779 |
| Total risk-based capital ratio | 15.6098% | 3,718 |
| Memoranda: | ||
| Average total assets | $90,983,000 | 4,790 |
| Average earning assets | $87,457,000 | 4,682 |
| Average equity | $7,335,500 | 5,337 |
| Average total loans | $40,215,500 | 5,130 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 4,396 |
| Cost of funding earning assets | 0.1659% | 6,005 |
| Net interest margin | 3.6632% | 3,159 |
| Noninterest income to average assets | 0.3827% | 4,319 |
| Noninterest expense to average assets | 2.7731% | 3,587 |
| Loan and lease loss provision to assets | 0.0596% | 3,337 |
| Net operating income to assets | 1.0001% | 2,380 |
| Return on assets (ROA) | 1.0749% | 2,125 |
| Pretax return on assets | 1.1207% | 3,006 |
| Return on Equity (ROE) | 13.4388% | 1,055 |
| Retained earnings to average equity (ytd only) | 2.6935% | 4,329 |
| Net charge-offs to loans | 0.0838% | 3,297 |
| Credit loss provision to net charge-offs | 157.5758% | 1,534 |
| Earnings coverage of net charge-offs (x) | 29.1515% | 1,368 |
| Efficiency ratio | 71.5553% | 3,286 |
| Assets per employee ($millions) | 4.6001% | 2,874 |
| Cash dividends to net income (ytd only)* | 79.9574% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 3,234 |
| Loan loss allowance to noncurrent loans | 8,414.2857% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,048 |
| Noncurrent loans to loans | 0.0159% | 5,842 |
| Net loans and leases to total assets | 47.1364% | 5,238 |
| Net loans and leases to deposits | 52.5044% | 5,446 |
| Net loans and leases to core deposits | 53.4466% | 5,530 |
| Total domestic deposits to total assets | 89.7762% | 847 |
| Equity capital to assets | 7.7608% | 6,154 |
| Core capital (leverage) ratio | 7.8505% | 6,078 |
| Tier 1 risk-based capital ratio | 13.3113% | 4,536 |
| Total risk-based capital ratio | 14.4971% | 4,486 |
| Memoranda: | ||
| Average total assets | $87,266,400 | 4,903 |
| Average earning assets | $83,205,600 | 4,817 |
| Average equity | $6,979,800 | 5,420 |
| Average total loans | $39,376,000 | 5,210 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 4,238 |
| Cost of funding earning assets | 0.1704% | 6,057 |
| Net interest margin | 3.7101% | 2,986 |
| Noninterest income to average assets | 0.4259% | 4,056 |
| Noninterest expense to average assets | 2.7244% | 3,734 |
| Loan and lease loss provision to assets | 0.0805% | 2,738 |
| Net operating income to assets | 1.1096% | 1,988 |
| Return on assets (ROA) | 1.2097% | 1,716 |
| Pretax return on assets | 1.2670% | 2,506 |
| Return on Equity (ROE) | 15.0050% | 827 |
| Retained earnings to average equity (ytd only) | 6.8396% | 1,907 |
| Net charge-offs to loans | 0.0453% | 3,588 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | 61.7028% | 845 |
| Efficiency ratio | 68.6841% | 3,732 |
| Assets per employee ($millions) | 4.2327% | 3,415 |
| Cash dividends to net income (ytd only)* | 54.4170% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 2,816 |
| Loan loss allowance to noncurrent loans | 1,602.6316% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 5,980 |
| Noncurrent loans to loans | 0.0924% | 5,667 |
| Net loans and leases to total assets | 47.8435% | 5,220 |
| Net loans and leases to deposits | 57.1838% | 5,161 |
| Net loans and leases to core deposits | 58.3840% | 5,308 |
| Total domestic deposits to total assets | 83.6663% | 3,894 |
| Equity capital to assets | 8.5478% | 5,762 |
| Core capital (leverage) ratio | 8.1963% | 5,936 |
| Tier 1 risk-based capital ratio | 14.4390% | 3,920 |
| Total risk-based capital ratio | 15.6892% | 3,869 |
| Memoranda: | ||
| Average total assets | $86,082,750 | 4,975 |
| Average earning assets | $82,151,500 | 4,902 |
| Average equity | $6,939,750 | 5,477 |
| Average total loans | $38,231,250 | 5,294 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 4,276 |
| Cost of funding earning assets | 0.1746% | 6,109 |
| Net interest margin | 3.6919% | 2,995 |
| Noninterest income to average assets | 0.4991% | 3,491 |
| Noninterest expense to average assets | 2.7149% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2424% | 1,469 |
| Return on assets (ROA) | 1.3933% | 1,126 |
| Pretax return on assets | 1.4580% | 1,680 |
| Return on Equity (ROE) | 17.6290% | 495 |
| Retained earnings to average equity (ytd only) | 13.2437% | 319 |
| Net charge-offs to loans | -0.0107% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6064% | 4,083 |
| Assets per employee ($millions) | 4.1208% | 3,609 |
| Cash dividends to net income (ytd only)* | 24.8756% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 2,827 |
| Loan loss allowance to noncurrent loans | 1,167.3469% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 6,000 |
| Noncurrent loans to loans | 0.1298% | 5,618 |
| Net loans and leases to total assets | 45.1022% | 5,452 |
| Net loans and leases to deposits | 50.3611% | 5,612 |
| Net loans and leases to core deposits | 51.3738% | 5,710 |
| Total domestic deposits to total assets | 89.5577% | 1,050 |
| Equity capital to assets | 8.8443% | 5,478 |
| Core capital (leverage) ratio | 7.9894% | 6,106 |
| Tier 1 risk-based capital ratio | 15.5581% | 3,327 |
| Total risk-based capital ratio | 16.8092% | 3,279 |
| Memoranda: | ||
| Average total assets | $86,559,330 | 5,009 |
| Average earning assets | $82,450,670 | 4,926 |
| Average equity | $6,841,000 | 5,526 |
| Average total loans | $37,271,670 | 5,364 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8086% | 4,451 |
| Cost of funding earning assets | 0.1755% | 6,197 |
| Net interest margin | 3.6332% | 3,130 |
| Noninterest income to average assets | 0.6995% | 2,167 |
| Noninterest expense to average assets | 2.6492% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4392% | 916 |
| Return on assets (ROA) | 1.4306% | 972 |
| Pretax return on assets | 1.4983% | 1,432 |
| Return on Equity (ROE) | 19.1628% | 346 |
| Retained earnings to average equity (ytd only) | 19.1628% | 137 |
| Net charge-offs to loans | -0.0108% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7351% | 4,903 |
| Assets per employee ($millions) | 4.3597% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 2,581 |
| Loan loss allowance to noncurrent loans | 1,464.1026% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 6,150 |
| Noncurrent loans to loans | 0.1113% | 5,793 |
| Net loans and leases to total assets | 39.5165% | 5,842 |
| Net loans and leases to deposits | 44.2959% | 5,960 |
| Net loans and leases to core deposits | 44.9102% | 6,038 |
| Total domestic deposits to total assets | 89.2103% | 1,521 |
| Equity capital to assets | 7.9180% | 6,105 |
| Core capital (leverage) ratio | 7.7369% | 6,254 |
| Tier 1 risk-based capital ratio | 15.7622% | 3,294 |
| Total risk-based capital ratio | 17.0131% | 3,258 |
| Memoranda: | ||
| Average total assets | $88,631,500 | 5,003 |
| Average earning assets | $84,334,500 | 4,907 |
| Average equity | $6,617,000 | 5,614 |
| Average total loans | $37,036,000 | 5,421 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 5,267 |
| Cost of funding earning assets | 0.2985% | 5,610 |
| Net interest margin | 3.3563% | 4,458 |
| Noninterest income to average assets | 0.3668% | 4,687 |
| Noninterest expense to average assets | 2.7271% | 4,004 |
| Loan and lease loss provision to assets | -0.0123% | 6,278 |
| Net operating income to assets | 0.8270% | 3,147 |
| Return on assets (ROA) | 0.9800% | 2,490 |
| Pretax return on assets | 1.0202% | 3,268 |
| Return on Equity (ROE) | 12.5672% | 1,260 |
| Retained earnings to average equity (ytd only) | 2.2018% | 4,683 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2707% | 2,732 |
| Assets per employee ($millions) | 4.2890% | 3,294 |
| Cash dividends to net income (ytd only)* | 82.4801% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 3,376 |
| Loan loss allowance to noncurrent loans | 1,965.5172% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 6,288 |
| Noncurrent loans to loans | 0.0743% | 5,994 |
| Net loans and leases to total assets | 42.7173% | 5,775 |
| Net loans and leases to deposits | 48.1962% | 5,884 |
| Net loans and leases to core deposits | 49.3560% | 5,971 |
| Total domestic deposits to total assets | 88.6320% | 1,837 |
| Equity capital to assets | 7.0279% | 6,450 |
| Core capital (leverage) ratio | 7.2703% | 6,452 |
| Tier 1 risk-based capital ratio | 14.0760% | 4,250 |
| Total risk-based capital ratio | 15.3249% | 4,192 |
| Memoranda: | ||
| Average total assets | $89,692,400 | 4,987 |
| Average earning assets | $85,749,000 | 4,887 |
| Average equity | $6,994,400 | 5,570 |
| Average total loans | $35,873,400 | 5,500 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5916% | 5,464 |
| Cost of funding earning assets | 0.3312% | 5,458 |
| Net interest margin | 3.2604% | 4,790 |
| Noninterest income to average assets | 0.3884% | 4,616 |
| Noninterest expense to average assets | 2.6890% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7823% | 3,446 |
| Return on assets (ROA) | 0.9866% | 2,534 |
| Pretax return on assets | 1.0327% | 3,367 |
| Return on Equity (ROE) | 12.3452% | 1,385 |
| Retained earnings to average equity (ytd only) | 4.8971% | 3,152 |
| Net charge-offs to loans | 0.0038% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 552.3684% | 104 |
| Efficiency ratio | 76.6327% | 2,625 |
| Assets per employee ($millions) | 3.8076% | 4,220 |
| Cash dividends to net income (ytd only)* | 60.3317% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 2,883 |
| Loan loss allowance to noncurrent loans | 327.6836% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 5,828 |
| Noncurrent loans to loans | 0.4976% | 4,952 |
| Net loans and leases to total assets | 39.9578% | 6,035 |
| Net loans and leases to deposits | 47.1528% | 6,022 |
| Net loans and leases to core deposits | 48.8354% | 6,077 |
| Total domestic deposits to total assets | 84.7411% | 3,865 |
| Equity capital to assets | 7.3137% | 6,455 |
| Core capital (leverage) ratio | 7.4376% | 6,474 |
| Tier 1 risk-based capital ratio | 15.4485% | 3,497 |
| Total risk-based capital ratio | 16.6994% | 3,452 |
| Memoranda: | ||
| Average total assets | $89,598,250 | 5,041 |
| Average earning assets | $85,754,250 | 4,933 |
| Average equity | $7,160,500 | 5,592 |
| Average total loans | $35,080,500 | 5,583 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5577% | 5,570 |
| Cost of funding earning assets | 0.3842% | 5,091 |
| Net interest margin | 3.1734% | 5,036 |
| Noninterest income to average assets | 0.4276% | 4,321 |
| Noninterest expense to average assets | 2.6475% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7792% | 3,409 |
| Return on assets (ROA) | 1.0834% | 2,096 |
| Pretax return on assets | 1.1343% | 2,953 |
| Return on Equity (ROE) | 13.1942% | 1,197 |
| Retained earnings to average equity (ytd only) | 9.1469% | 1,074 |
| Net charge-offs to loans | 0.0172% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 393 |
| Efficiency ratio | 76.4066% | 2,725 |
| Assets per employee ($millions) | 3.8687% | 4,071 |
| Cash dividends to net income (ytd only)* | 30.6748% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6908% | 2,809 |
| Loan loss allowance to noncurrent loans | 6,422.2222% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,528 |
| Noncurrent loans to loans | 0.0263% | 6,336 |
| Net loans and leases to total assets | 37.7685% | 6,190 |
| Net loans and leases to deposits | 43.1698% | 6,274 |
| Net loans and leases to core deposits | 44.7811% | 6,294 |
| Total domestic deposits to total assets | 87.4881% | 2,547 |
| Equity capital to assets | 7.5906% | 6,411 |
| Core capital (leverage) ratio | 7.5437% | 6,438 |
| Tier 1 risk-based capital ratio | 15.8212% | 3,303 |
| Total risk-based capital ratio | 17.0732% | 3,250 |
| Memoranda: | ||
| Average total assets | $90,272,670 | 5,057 |
| Average earning assets | $86,405,000 | 4,939 |
| Average equity | $7,412,330 | 5,582 |
| Average total loans | $34,916,330 | 5,622 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 5,336 |
| Cost of funding earning assets | 0.5470% | 3,601 |
| Net interest margin | 3.0934% | 5,283 |
| Noninterest income to average assets | 0.6203% | 3,028 |
| Noninterest expense to average assets | 2.6221% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9146% | 2,586 |
| Return on assets (ROA) | 1.3242% | 1,322 |
| Pretax return on assets | 1.3858% | 1,904 |
| Return on Equity (ROE) | 15.5525% | 671 |
| Retained earnings to average equity (ytd only) | 15.5525% | 310 |
| Net charge-offs to loans | 0.0113% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 185 |
| Efficiency ratio | 73.2187% | 3,410 |
| Assets per employee ($millions) | 3.8617% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 2,582 |
| Loan loss allowance to noncurrent loans | 14,500.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,624 |
| Noncurrent loans to loans | 0.0125% | 6,464 |
| Net loans and leases to total assets | 35.3974% | 6,342 |
| Net loans and leases to deposits | 39.6055% | 6,438 |
| Net loans and leases to core deposits | 40.7069% | 6,455 |
| Total domestic deposits to total assets | 89.3751% | 1,439 |
| Equity capital to assets | 8.7739% | 5,731 |
| Core capital (leverage) ratio | 7.3251% | 6,534 |
| Tier 1 risk-based capital ratio | 16.2931% | 3,110 |
| Total risk-based capital ratio | 17.5453% | 3,062 |
| Memoranda: | ||
| Average total assets | $90,919,500 | 5,076 |
| Average earning assets | $87,023,000 | 4,958 |
| Average equity | $7,741,500 | 5,568 |
| Average total loans | $35,282,500 | 5,652 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 4,733 |
| Cost of funding earning assets | 0.4800% | 5,348 |
| Net interest margin | 3.6800% | 3,740 |
| Noninterest income to average assets | 0.3773% | 4,772 |
| Noninterest expense to average assets | 2.7902% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9546% | 2,522 |
| Return on assets (ROA) | 1.1475% | 1,948 |
| Pretax return on assets | 1.1969% | 2,818 |
| Return on Equity (ROE) | 12.9620% | 1,232 |
| Retained earnings to average equity (ytd only) | 2.5620% | 4,425 |
| Net charge-offs to loans | 0.0227% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 110.8750% | 346 |
| Efficiency ratio | 73.6951% | 3,113 |
| Assets per employee ($millions) | 4.0443% | 3,856 |
| Cash dividends to net income (ytd only)* | 80.2348% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 3,719 |
| Loan loss allowance to noncurrent loans | 1,936.6667% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 6,576 |
| Noncurrent loans to loans | 0.0778% | 6,290 |
| Net loans and leases to total assets | 40.8132% | 6,117 |
| Net loans and leases to deposits | 45.5018% | 6,282 |
| Net loans and leases to core deposits | 47.1497% | 6,320 |
| Total domestic deposits to total assets | 89.6957% | 1,131 |
| Equity capital to assets | 8.2671% | 6,226 |
| Core capital (leverage) ratio | 7.3716% | 6,553 |
| Tier 1 risk-based capital ratio | 13.9179% | 4,433 |
| Total risk-based capital ratio | 15.1676% | 4,406 |
| Memoranda: | ||
| Average total assets | $89,060,800 | 5,112 |
| Average earning assets | $82,499,200 | 5,054 |
| Average equity | $7,884,600 | 5,533 |
| Average total loans | $35,236,200 | 5,713 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2440% | 4,670 |
| Cost of funding earning assets | 0.5385% | 5,176 |
| Net interest margin | 3.7054% | 3,776 |
| Noninterest income to average assets | 0.3997% | 4,639 |
| Noninterest expense to average assets | 2.7492% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0100% | 2,455 |
| Return on assets (ROA) | 1.2702% | 1,669 |
| Pretax return on assets | 1.3277% | 2,505 |
| Return on Equity (ROE) | 14.1007% | 1,089 |
| Retained earnings to average equity (ytd only) | 7.3781% | 1,908 |
| Net charge-offs to loans | 0.0310% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 87.2202% | 474 |
| Efficiency ratio | 72.2355% | 3,283 |
| Assets per employee ($millions) | 3.8323% | 4,234 |
| Cash dividends to net income (ytd only)* | 47.6757% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 3,311 |
| Loan loss allowance to noncurrent loans | 29,050.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,811 |
| Noncurrent loans to loans | 0.0057% | 6,673 |
| Net loans and leases to total assets | 40.9429% | 6,206 |
| Net loans and leases to deposits | 46.8130% | 6,331 |
| Net loans and leases to core deposits | 48.9458% | 6,356 |
| Total domestic deposits to total assets | 87.4606% | 2,375 |
| Equity capital to assets | 9.7438% | 4,862 |
| Core capital (leverage) ratio | 7.4700% | 6,637 |
| Tier 1 risk-based capital ratio | 15.2764% | 3,657 |
| Total risk-based capital ratio | 16.5278% | 3,611 |
| Memoranda: | ||
| Average total assets | $88,071,250 | 5,189 |
| Average earning assets | $80,960,000 | 5,146 |
| Average equity | $7,933,250 | 5,580 |
| Average total loans | $34,409,000 | 5,819 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 4,717 |
| Cost of funding earning assets | 0.6050% | 4,861 |
| Net interest margin | 3.6571% | 4,001 |
| Noninterest income to average assets | 0.4478% | 4,311 |
| Noninterest expense to average assets | 2.7159% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0150% | 2,397 |
| Return on assets (ROA) | 1.2471% | 1,746 |
| Pretax return on assets | 1.3031% | 2,548 |
| Return on Equity (ROE) | 14.2104% | 1,066 |
| Retained earnings to average equity (ytd only) | 10.3835% | 875 |
| Net charge-offs to loans | 0.0527% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 52.6667% | 700 |
| Efficiency ratio | 71.9028% | 3,447 |
| Assets per employee ($millions) | 4.1098% | 3,644 |
| Cash dividends to net income (ytd only)* | 26.9300% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 3,122 |
| Loan loss allowance to noncurrent loans | 9,666.6667% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 6,835 |
| Noncurrent loans to loans | 0.0179% | 6,645 |
| Net loans and leases to total assets | 36.5157% | 6,584 |
| Net loans and leases to deposits | 42.0645% | 6,644 |
| Net loans and leases to core deposits | 43.5447% | 6,679 |
| Total domestic deposits to total assets | 86.8088% | 2,888 |
| Equity capital to assets | 8.7927% | 5,921 |
| Core capital (leverage) ratio | 7.5638% | 6,590 |
| Tier 1 risk-based capital ratio | 15.5179% | 3,428 |
| Total risk-based capital ratio | 16.7689% | 3,394 |
| Memoranda: | ||
| Average total assets | $89,325,000 | 5,185 |
| Average earning assets | $81,320,670 | 5,170 |
| Average equity | $7,839,330 | 5,623 |
| Average total loans | $34,178,670 | 5,863 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 4,754 |
| Cost of funding earning assets | 0.5831% | 5,267 |
| Net interest margin | 3.7129% | 3,773 |
| Noninterest income to average assets | 0.6308% | 3,056 |
| Noninterest expense to average assets | 2.7213% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2122% | 1,704 |
| Return on assets (ROA) | 1.4328% | 1,302 |
| Pretax return on assets | 1.4958% | 1,879 |
| Return on Equity (ROE) | 16.3412% | 758 |
| Retained earnings to average equity (ytd only) | 16.3412% | 346 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2486% | 4,122 |
| Assets per employee ($millions) | 3.9004% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8793% | 2,742 |
| Loan loss allowance to noncurrent loans | 5,354.5455% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 6,894 |
| Noncurrent loans to loans | 0.0351% | 6,676 |
| Net loans and leases to total assets | 35.8389% | 6,631 |
| Net loans and leases to deposits | 41.2947% | 6,689 |
| Net loans and leases to core deposits | 42.7481% | 6,711 |
| Total domestic deposits to total assets | 86.7881% | 3,077 |
| Equity capital to assets | 9.1086% | 5,345 |
| Core capital (leverage) ratio | 7.4897% | 6,640 |
| Tier 1 risk-based capital ratio | 16.2871% | 3,023 |
| Total risk-based capital ratio | 17.5393% | 2,984 |
| Memoranda: | ||
| Average total assets | $88,779,500 | 5,251 |
| Average earning assets | $80,260,500 | 5,239 |
| Average equity | $7,784,000 | 5,664 |
| Average total loans | $34,470,000 | 5,901 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 3,582 |
| Cost of funding earning assets | 0.7175% | 5,416 |
| Net interest margin | 4.1336% | 2,292 |
| Noninterest income to average assets | 0.7629% | 2,273 |
| Noninterest expense to average assets | 3.0184% | 3,529 |
| Loan and lease loss provision to assets | 0.0593% | 5,863 |
| Net operating income to assets | 1.4049% | 1,022 |
| Return on assets (ROA) | 1.4926% | 909 |
| Pretax return on assets | 1.5566% | 1,320 |
| Return on Equity (ROE) | 17.7208% | 405 |
| Retained earnings to average equity (ytd only) | 5.5360% | 2,280 |
| Net charge-offs to loans | 0.0524% | 5,792 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 64.2500% | 461 |
| Efficiency ratio | 66.4403% | 4,676 |
| Assets per employee ($millions) | 4.3690% | 3,121 |
| Cash dividends to net income (ytd only)* | 68.7599% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 3,723 |
| Loan loss allowance to noncurrent loans | 14,725.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,993 |
| Noncurrent loans to loans | 0.0106% | 6,823 |
| Net loans and leases to total assets | 40.3368% | 6,523 |
| Net loans and leases to deposits | 45.9391% | 6,630 |
| Net loans and leases to core deposits | 47.5053% | 6,668 |
| Total domestic deposits to total assets | 87.8049% | 2,276 |
| Equity capital to assets | 8.4490% | 6,207 |
| Core capital (leverage) ratio | 7.5110% | 6,644 |
| Tier 1 risk-based capital ratio | 14.1859% | 4,187 |
| Total risk-based capital ratio | 15.4366% | 4,143 |
| Memoranda: | ||
| Average total assets | $84,284,200 | 5,332 |
| Average earning assets | $77,075,000 | 5,314 |
| Average equity | $7,099,000 | 5,839 |
| Average total loans | $38,178,000 | 5,773 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 3,401 |
| Cost of funding earning assets | 0.7395% | 5,528 |
| Net interest margin | 4.1961% | 2,116 |
| Noninterest income to average assets | 0.8946% | 1,674 |
| Noninterest expense to average assets | 3.0446% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6644% | 687 |
| Return on assets (ROA) | 1.7827% | 582 |
| Pretax return on assets | 1.8669% | 836 |
| Return on Equity (ROE) | 21.1844% | 251 |
| Retained earnings to average equity (ytd only) | 13.4950% | 332 |
| Net charge-offs to loans | 0.0592% | 5,377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 63.3419% | 522 |
| Efficiency ratio | 63.6026% | 5,137 |
| Assets per employee ($millions) | 3.5577% | 4,862 |
| Cash dividends to net income (ytd only)* | 36.2976% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 4,146 |
| Loan loss allowance to noncurrent loans | 1,642.4242% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 6,953 |
| Noncurrent loans to loans | 0.0908% | 6,708 |
| Net loans and leases to total assets | 43.7746% | 6,353 |
| Net loans and leases to deposits | 55.9349% | 6,039 |
| Net loans and leases to core deposits | 58.0319% | 6,125 |
| Total domestic deposits to total assets | 78.2600% | 6,141 |
| Equity capital to assets | 9.7451% | 4,709 |
| Core capital (leverage) ratio | 8.1693% | 6,167 |
| Tier 1 risk-based capital ratio | 14.8815% | 3,731 |
| Total risk-based capital ratio | 16.1439% | 3,697 |
| Memoranda: | ||
| Average total assets | $82,417,750 | 5,424 |
| Average earning assets | $76,450,500 | 5,367 |
| Average equity | $6,935,750 | 5,920 |
| Average total loans | $38,323,000 | 5,822 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 3,444 |
| Cost of funding earning assets | 0.7622% | 5,609 |
| Net interest margin | 4.1774% | 2,133 |
| Noninterest income to average assets | 0.6924% | 2,600 |
| Noninterest expense to average assets | 3.0430% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4453% | 990 |
| Return on assets (ROA) | 1.4453% | 1,049 |
| Pretax return on assets | 1.5106% | 1,501 |
| Return on Equity (ROE) | 18.1193% | 459 |
| Retained earnings to average equity (ytd only) | 13.5667% | 348 |
| Net charge-offs to loans | 0.0872% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 36.7059% | 795 |
| Efficiency ratio | 66.8262% | 4,722 |
| Assets per employee ($millions) | 3.6579% | 4,543 |
| Cash dividends to net income (ytd only)* | 25.1256% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 4,492 |
| Loan loss allowance to noncurrent loans | 677.5000% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 6,845 |
| Noncurrent loans to loans | 0.2090% | 6,488 |
| Net loans and leases to total assets | 46.8847% | 6,167 |
| Net loans and leases to deposits | 55.2764% | 6,201 |
| Net loans and leases to core deposits | 57.6471% | 6,294 |
| Total domestic deposits to total assets | 84.8187% | 3,958 |
| Equity capital to assets | 9.1868% | 5,300 |
| Core capital (leverage) ratio | 7.6514% | 6,624 |
| Tier 1 risk-based capital ratio | 14.4527% | 3,824 |
| Total risk-based capital ratio | 15.7041% | 3,794 |
| Memoranda: | ||
| Average total assets | $82,615,000 | 5,469 |
| Average earning assets | $76,362,670 | 5,422 |
| Average equity | $6,589,670 | 6,057 |
| Average total loans | $38,977,000 | 5,844 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 3,702 |
| Cost of funding earning assets | 0.7952% | 5,598 |
| Net interest margin | 4.0801% | 2,348 |
| Noninterest income to average assets | 0.8986% | 1,669 |
| Noninterest expense to average assets | 2.9778% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6012% | 692 |
| Return on assets (ROA) | 1.6012% | 736 |
| Pretax return on assets | 1.6729% | 1,028 |
| Return on Equity (ROE) | 21.6548% | 259 |
| Retained earnings to average equity (ytd only) | 21.6548% | 139 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0288% | 5,359 |
| Assets per employee ($millions) | 3.5844% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 4,356 |
| Loan loss allowance to noncurrent loans | 1,215.2174% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 7,020 |
| Noncurrent loans to loans | 0.1208% | 6,747 |
| Net loans and leases to total assets | 45.5229% | 6,331 |
| Net loans and leases to deposits | 53.3506% | 6,357 |
| Net loans and leases to core deposits | 55.2798% | 6,466 |
| Total domestic deposits to total assets | 85.3279% | 3,874 |
| Equity capital to assets | 8.2810% | 6,185 |
| Core capital (leverage) ratio | 7.4129% | 6,779 |
| Tier 1 risk-based capital ratio | 13.8514% | 4,177 |
| Total risk-based capital ratio | 15.1029% | 4,150 |
| Memoranda: | ||
| Average total assets | $83,685,500 | 5,477 |
| Average earning assets | $76,958,500 | 5,447 |
| Average equity | $6,188,000 | 6,186 |
| Average total loans | $39,329,500 | 5,877 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4475% | 2,487 |
| Cost of funding earning assets | 1.0463% | 5,451 |
| Net interest margin | 4.4012% | 1,469 |
| Noninterest income to average assets | 0.6889% | 2,910 |
| Noninterest expense to average assets | 3.4136% | 2,402 |
| Loan and lease loss provision to assets | 0.1179% | 5,979 |
| Net operating income to assets | 1.2568% | 1,277 |
| Return on assets (ROA) | 1.3040% | 1,221 |
| Pretax return on assets | 1.3268% | 1,865 |
| Return on Equity (ROE) | 16.2682% | 556 |
| Retained earnings to average equity (ytd only) | 1.3877% | 4,847 |
| Net charge-offs to loans | 0.0282% | 6,520 |
| Credit loss provision to net charge-offs | 800.0000% | 271 |
| Earnings coverage of net charge-offs (x) | 94.7273% | 254 |
| Efficiency ratio | 70.9668% | 3,997 |
| Assets per employee ($millions) | 3.6926% | 4,484 |
| Cash dividends to net income (ytd only)* | 91.4697% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 4,621 |
| Loan loss allowance to noncurrent loans | 1,242.2222% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 7,099 |
| Noncurrent loans to loans | 0.1109% | 6,865 |
| Net loans and leases to total assets | 47.1111% | 6,470 |
| Net loans and leases to deposits | 54.3495% | 6,584 |
| Net loans and leases to core deposits | 56.0245% | 6,691 |
| Total domestic deposits to total assets | 86.6818% | 2,990 |
| Equity capital to assets | 6.5337% | 7,248 |
| Core capital (leverage) ratio | 6.3490% | 7,230 |
| Tier 1 risk-based capital ratio | 10.8506% | 6,449 |
| Total risk-based capital ratio | 12.0824% | 6,433 |
| Memoranda: | ||
| Average total assets | $74,614,200 | 5,749 |
| Average earning assets | $69,867,200 | 5,675 |
| Average equity | $5,981,000 | 6,372 |
| Average total loans | $39,041,800 | 5,963 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6236% | 1,975 |
| Cost of funding earning assets | 1.1077% | 5,382 |
| Net interest margin | 4.5159% | 1,224 |
| Noninterest income to average assets | 0.7903% | 2,287 |
| Noninterest expense to average assets | 3.0780% | 3,432 |
| Loan and lease loss provision to assets | 0.0703% | 6,358 |
| Net operating income to assets | 1.7851% | 528 |
| Return on assets (ROA) | 1.8490% | 499 |
| Pretax return on assets | 1.9342% | 722 |
| Return on Equity (ROE) | 21.8750% | 204 |
| Retained earnings to average equity (ytd only) | 13.6637% | 297 |
| Net charge-offs to loans | 0.0379% | 6,177 |
| Credit loss provision to net charge-offs | 345.4545% | 919 |
| Earnings coverage of net charge-offs (x) | 95.1581% | 324 |
| Efficiency ratio | 61.3653% | 5,726 |
| Assets per employee ($millions) | 3.1704% | 5,748 |
| Cash dividends to net income (ytd only)* | 37.5376% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 5,305 |
| Loan loss allowance to noncurrent loans | 1,957.6923% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 7,265 |
| Noncurrent loans to loans | 0.0632% | 7,080 |
| Net loans and leases to total assets | 55.7536% | 5,582 |
| Net loans and leases to deposits | 69.8900% | 5,163 |
| Net loans and leases to core deposits | 71.2770% | 5,603 |
| Total domestic deposits to total assets | 79.7734% | 5,784 |
| Equity capital to assets | 9.0361% | 5,528 |
| Core capital (leverage) ratio | 7.4588% | 6,872 |
| Tier 1 risk-based capital ratio | 12.1036% | 5,364 |
| Total risk-based capital ratio | 13.2309% | 5,446 |
| Memoranda: | ||
| Average total assets | $72,035,500 | 5,882 |
| Average earning assets | $67,404,250 | 5,821 |
| Average equity | $6,089,000 | 6,422 |
| Average total loans | $38,659,750 | 6,060 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6719% | 1,863 |
| Cost of funding earning assets | 1.1248% | 5,552 |
| Net interest margin | 4.5471% | 1,106 |
| Noninterest income to average assets | 0.7945% | 2,145 |
| Noninterest expense to average assets | 3.0945% | 3,350 |
| Loan and lease loss provision to assets | 0.0697% | 6,254 |
| Net operating income to assets | 1.7966% | 489 |
| Return on assets (ROA) | 1.8929% | 447 |
| Pretax return on assets | 1.9793% | 625 |
| Return on Equity (ROE) | 22.9302% | 176 |
| Retained earnings to average equity (ytd only) | 17.8646% | 132 |
| Net charge-offs to loans | -0.0053% | 7,117 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3599% | 5,803 |
| Assets per employee ($millions) | 3.0852% | 5,958 |
| Cash dividends to net income (ytd only)* | 22.0913% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 4,872 |
| Loan loss allowance to noncurrent loans | 1,372.9730% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 7,259 |
| Noncurrent loans to loans | 0.0952% | 7,077 |
| Net loans and leases to total assets | 54.0685% | 5,982 |
| Net loans and leases to deposits | 64.5073% | 5,976 |
| Net loans and leases to core deposits | 65.7543% | 6,263 |
| Total domestic deposits to total assets | 83.8176% | 4,192 |
| Equity capital to assets | 8.8585% | 5,662 |
| Core capital (leverage) ratio | 7.3058% | 6,993 |
| Tier 1 risk-based capital ratio | 12.3377% | 5,005 |
| Total risk-based capital ratio | 13.5049% | 5,049 |
| Memoranda: | ||
| Average total assets | $71,741,000 | 5,927 |
| Average earning assets | $67,031,670 | 5,861 |
| Average equity | $5,922,330 | 6,490 |
| Average total loans | $37,825,000 | 6,143 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6998% | 1,784 |
| Cost of funding earning assets | 1.1162% | 5,823 |
| Net interest margin | 4.5836% | 985 |
| Noninterest income to average assets | 1.0093% | 1,271 |
| Noninterest expense to average assets | 3.1221% | 3,174 |
| Loan and lease loss provision to assets | 0.0665% | 5,970 |
| Net operating income to assets | 2.0074% | 344 |
| Return on assets (ROA) | 2.0074% | 374 |
| Pretax return on assets | 2.1017% | 507 |
| Return on Equity (ROE) | 25.2243% | 156 |
| Retained earnings to average equity (ytd only) | 25.2243% | 101 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0147% | 6,339 |
| Assets per employee ($millions) | 3.1655% | 5,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 5,002 |
| Loan loss allowance to noncurrent loans | 588.0952% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 7,188 |
| Noncurrent loans to loans | 0.2190% | 6,895 |
| Net loans and leases to total assets | 52.0012% | 6,273 |
| Net loans and leases to deposits | 65.1624% | 5,920 |
| Net loans and leases to core deposits | 66.4525% | 6,251 |
| Total domestic deposits to total assets | 79.8025% | 5,856 |
| Equity capital to assets | 8.2301% | 6,391 |
| Core capital (leverage) ratio | 7.2887% | 7,040 |
| Tier 1 risk-based capital ratio | 11.9626% | 5,234 |
| Total risk-based capital ratio | 13.0984% | 5,294 |
| Memoranda: | ||
| Average total assets | $72,131,500 | 5,991 |
| Average earning assets | $67,370,500 | 5,922 |
| Average equity | $5,740,500 | 6,599 |
| Average total loans | $37,300,000 | 6,249 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7839% | 2,726 |
| Cost of funding earning assets | 1.2047% | 6,644 |
| Net interest margin | 4.5793% | 1,022 |
| Noninterest income to average assets | 0.6240% | 3,464 |
| Noninterest expense to average assets | 3.6998% | 1,915 |
| Loan and lease loss provision to assets | 0.1106% | 6,539 |
| Net operating income to assets | 1.1096% | 1,485 |
| Return on assets (ROA) | 1.2687% | 1,154 |
| Pretax return on assets | 1.2937% | 1,711 |
| Return on Equity (ROE) | 15.6318% | 587 |
| Retained earnings to average equity (ytd only) | 2.9082% | 3,137 |
| Net charge-offs to loans | 0.0481% | 6,618 |
| Credit loss provision to net charge-offs | 441.1765% | 707 |
| Earnings coverage of net charge-offs (x) | 49.5294% | 521 |
| Efficiency ratio | 74.8657% | 3,731 |
| Assets per employee ($millions) | 3.1068% | 5,973 |
| Cash dividends to net income (ytd only)* | 81.3953% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 4,591 |
| Loan loss allowance to noncurrent loans | 610.1266% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 7,211 |
| Noncurrent loans to loans | 0.2180% | 6,882 |
| Net loans and leases to total assets | 50.0497% | 6,635 |
| Net loans and leases to deposits | 57.7509% | 6,798 |
| Net loans and leases to core deposits | 67.6605% | 6,898 |
| Total domestic deposits to total assets | 86.6647% | 2,671 |
| Equity capital to assets | 7.6815% | 6,875 |
| Core capital (leverage) ratio | 7.0735% | 7,175 |
| Tier 1 risk-based capital ratio | 11.7557% | 5,153 |
| Total risk-based capital ratio | 12.9262% | 5,178 |
| Memoranda: | ||
| Average total assets | $67,787,800 | 6,083 |
| Average earning assets | $63,918,400 | 6,004 |
| Average equity | $5,501,600 | 6,767 |
| Average total loans | $35,363,200 | 6,337 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7970% | 2,910 |
| Cost of funding earning assets | 1.2213% | 6,831 |
| Net interest margin | 4.5757% | 1,030 |
| Noninterest income to average assets | 0.6779% | 3,170 |
| Noninterest expense to average assets | 3.3038% | 2,907 |
| Loan and lease loss provision to assets | 0.0498% | 6,873 |
| Net operating income to assets | 1.5847% | 682 |
| Return on assets (ROA) | 1.7665% | 513 |
| Pretax return on assets | 1.8463% | 733 |
| Return on Equity (ROE) | 21.4596% | 224 |
| Retained earnings to average equity (ytd only) | 12.3769% | 310 |
| Net charge-offs to loans | 0.0645% | 6,051 |
| Credit loss provision to net charge-offs | 147.0588% | 3,293 |
| Earnings coverage of net charge-offs (x) | 50.3441% | 628 |
| Efficiency ratio | 65.9371% | 5,376 |
| Assets per employee ($millions) | 2.9298% | 6,328 |
| Cash dividends to net income (ytd only)* | 42.3254% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 5,198 |
| Loan loss allowance to noncurrent loans | 496.5517% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 7,224 |
| Noncurrent loans to loans | 0.2385% | 6,905 |
| Net loans and leases to total assets | 53.4882% | 6,445 |
| Net loans and leases to deposits | 67.1342% | 6,199 |
| Net loans and leases to core deposits | 79.6724% | 6,382 |
| Total domestic deposits to total assets | 79.6735% | 5,568 |
| Equity capital to assets | 8.7319% | 5,906 |
| Core capital (leverage) ratio | 7.7672% | 6,647 |
| Tier 1 risk-based capital ratio | 13.1616% | 4,078 |
| Total risk-based capital ratio | 14.2567% | 4,118 |
| Memoranda: | ||
| Average total assets | $66,870,500 | 6,161 |
| Average earning assets | $63,318,750 | 6,063 |
| Average equity | $5,504,750 | 6,847 |
| Average total loans | $35,142,500 | 6,396 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8178% | 2,963 |
| Cost of funding earning assets | 1.2315% | 7,015 |
| Net interest margin | 4.5864% | 986 |
| Noninterest income to average assets | 0.7256% | 2,839 |
| Noninterest expense to average assets | 3.2864% | 3,016 |
| Loan and lease loss provision to assets | 0.0390% | 6,846 |
| Net operating income to assets | 1.6587% | 608 |
| Return on assets (ROA) | 1.7422% | 564 |
| Pretax return on assets | 1.8201% | 815 |
| Return on Equity (ROE) | 21.6052% | 258 |
| Retained earnings to average equity (ytd only) | 16.0273% | 157 |
| Net charge-offs to loans | 0.0231% | 6,173 |
| Credit loss provision to net charge-offs | 325.0000% | 1,436 |
| Earnings coverage of net charge-offs (x) | 147.7500% | 273 |
| Efficiency ratio | 64.9674% | 5,727 |
| Assets per employee ($millions) | 2.9037% | 6,382 |
| Cash dividends to net income (ytd only)* | 25.8176% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 4,401 |
| Loan loss allowance to noncurrent loans | 272.3270% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 6,899 |
| Noncurrent loans to loans | 0.4696% | 6,352 |
| Net loans and leases to total assets | 50.0554% | 6,867 |
| Net loans and leases to deposits | 60.7623% | 6,830 |
| Net loans and leases to core deposits | 72.2992% | 6,878 |
| Total domestic deposits to total assets | 82.3790% | 4,530 |
| Equity capital to assets | 8.1876% | 6,513 |
| Core capital (leverage) ratio | 7.5023% | 7,011 |
| Tier 1 risk-based capital ratio | 13.5741% | 3,774 |
| Total risk-based capital ratio | 14.7238% | 3,767 |
| Memoranda: | ||
| Average total assets | $66,699,000 | 6,199 |
| Average earning assets | $63,013,000 | 6,115 |
| Average equity | $5,378,330 | 6,936 |
| Average total loans | $34,698,330 | 6,471 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8463% | 3,049 |
| Cost of funding earning assets | 1.2151% | 7,267 |
| Net interest margin | 4.6312% | 893 |
| Noninterest income to average assets | 0.8701% | 1,988 |
| Noninterest expense to average assets | 3.2165% | 2,913 |
| Loan and lease loss provision to assets | 0.0780% | 5,976 |
| Net operating income to assets | 1.8612% | 470 |
| Return on assets (ROA) | 2.0283% | 381 |
| Pretax return on assets | 2.1183% | 520 |
| Return on Equity (ROE) | 25.3492% | 176 |
| Retained earnings to average equity (ytd only) | 25.3492% | 76 |
| Net charge-offs to loans | 0.0114% | 5,458 |
| Credit loss provision to net charge-offs | 1,300.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 117 |
| Efficiency ratio | 61.3975% | 6,178 |
| Assets per employee ($millions) | 2.8630% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 4,459 |
| Loan loss allowance to noncurrent loans | 281.2903% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 6,814 |
| Noncurrent loans to loans | 0.4435% | 6,316 |
| Net loans and leases to total assets | 52.4070% | 6,642 |
| Net loans and leases to deposits | 60.6801% | 6,836 |
| Net loans and leases to core deposits | 70.7390% | 6,979 |
| Total domestic deposits to total assets | 86.3660% | 2,513 |
| Equity capital to assets | 8.3705% | 6,284 |
| Core capital (leverage) ratio | 7.6296% | 6,986 |
| Tier 1 risk-based capital ratio | 13.1147% | 4,108 |
| Total risk-based capital ratio | 14.2540% | 4,102 |
| Memoranda: | ||
| Average total assets | $66,656,500 | 6,226 |
| Average earning assets | $62,877,500 | 6,143 |
| Average equity | $5,333,500 | 6,992 |
| Average total loans | $35,116,500 | 6,488 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2845% | 4,053 |
| Cost of funding earning assets | 1.6847% | 7,295 |
| Net interest margin | 4.5999% | 1,178 |
| Noninterest income to average assets | 0.6250% | 3,675 |
| Noninterest expense to average assets | 3.5434% | 2,280 |
| Loan and lease loss provision to assets | 0.1320% | 5,673 |
| Net operating income to assets | 1.1895% | 1,803 |
| Return on assets (ROA) | 1.3060% | 1,416 |
| Pretax return on assets | 1.3576% | 2,101 |
| Return on Equity (ROE) | 18.0511% | 520 |
| Retained earnings to average equity (ytd only) | 3.3754% | 3,051 |
| Net charge-offs to loans | 0.0638% | 5,864 |
| Credit loss provision to net charge-offs | 395.4545% | 1,114 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 900 |
| Efficiency ratio | 72.1433% | 3,912 |
| Assets per employee ($millions) | 2.9332% | 6,210 |
| Cash dividends to net income (ytd only)* | 81.3008% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 4,521 |
| Loan loss allowance to noncurrent loans | 1,145.9459% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 7,358 |
| Noncurrent loans to loans | 0.1049% | 7,100 |
| Net loans and leases to total assets | 51.6772% | 6,875 |
| Net loans and leases to deposits | 58.7058% | 7,166 |
| Net loans and leases to core deposits | 67.1928% | 7,319 |
| Total domestic deposits to total assets | 88.0275% | 1,463 |
| Equity capital to assets | 7.6412% | 7,269 |
| Core capital (leverage) ratio | 7.3465% | 7,367 |
| Tier 1 risk-based capital ratio | 12.3757% | 4,525 |
| Total risk-based capital ratio | 13.4967% | 4,524 |
| Memoranda: | ||
| Average total assets | $65,924,600 | 6,164 |
| Average earning assets | $61,436,600 | 6,113 |
| Average equity | $4,769,800 | 7,221 |
| Average total loans | $34,488,400 | 6,457 |