Home > The First National Bank of Coleraine > Performance and Condition Ratios
The First National Bank of Coleraine, 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 | 3.3691% | 4,441 |
| Cost of funding earning assets | 0.8773% | 3,569 |
| Net interest margin | 2.4918% | 4,100 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.2220% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3104% | 4,012 |
| Return on assets (ROA) | 0.3073% | 4,013 |
| Pretax return on assets | 0.3831% | 3,988 |
| Return on Equity (ROE) | 8.4400% | 2,907 |
| Retained earnings to average equity (ytd only) | 0.9612% | 3,845 |
| Net charge-offs to loans | -0.0025% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.1659% | 601 |
| Assets per employee ($millions) | 5.6667% | 3,103 |
| Cash dividends to net income (ytd only)* | 88.6076% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 3,272 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 38.7800% | 4,077 |
| Net loans and leases to deposits | 40.6176% | 4,184 |
| Net loans and leases to core deposits | 44.6437% | 4,188 |
| Total domestic deposits to total assets | 95.4700% | 47 |
| Equity capital to assets | 4.4058% | 4,476 |
| Core capital (leverage) ratio | 7.9178% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0411% | 910 |
| Memoranda: | ||
| Average total assets | $102,836,000 | 3,804 |
| Average earning assets | $93,468,400 | 3,807 |
| Average equity | $3,745,400 | 4,372 |
| Average total loans | $39,387,600 | 4,004 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3220% | 4,448 |
| Cost of funding earning assets | 0.7848% | 3,564 |
| Net interest margin | 2.5371% | 4,106 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.1945% | 3,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3369% | 4,074 |
| Return on assets (ROA) | 0.3338% | 4,082 |
| Pretax return on assets | 0.4153% | 4,041 |
| Return on Equity (ROE) | 9.6700% | 2,745 |
| Retained earnings to average equity (ytd only) | 4.4215% | 3,138 |
| Net charge-offs to loans | -0.0034% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.9604% | 620 |
| Assets per employee ($millions) | 5.6385% | 3,072 |
| Cash dividends to net income (ytd only)* | 54.2636% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,450 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 39.8900% | 4,060 |
| Net loans and leases to deposits | 42.5176% | 4,151 |
| Net loans and leases to core deposits | 46.8422% | 4,113 |
| Total domestic deposits to total assets | 93.8100% | 204 |
| Equity capital to assets | 3.0899% | 4,486 |
| Core capital (leverage) ratio | 7.9253% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6872% | 989 |
| Memoranda: | ||
| Average total assets | $103,044,750 | 3,815 |
| Average earning assets | $93,436,250 | 3,825 |
| Average equity | $3,558,250 | 4,403 |
| Average total loans | $39,245,750 | 4,022 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2246% | 4,492 |
| Cost of funding earning assets | 0.6834% | 3,532 |
| Net interest margin | 2.5412% | 4,169 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.1726% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3367% | 4,105 |
| Return on assets (ROA) | 0.3322% | 4,135 |
| Pretax return on assets | 0.4191% | 4,089 |
| Return on Equity (ROE) | 9.3000% | 2,889 |
| Retained earnings to average equity (ytd only) | 1.7302% | 3,776 |
| Net charge-offs to loans | -0.0052% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.6431% | 616 |
| Assets per employee ($millions) | 5.7171% | 2,953 |
| Cash dividends to net income (ytd only)* | 81.3953% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,300 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 37.6100% | 4,130 |
| Net loans and leases to deposits | 40.2764% | 4,208 |
| Net loans and leases to core deposits | 44.3566% | 4,161 |
| Total domestic deposits to total assets | 93.3800% | 197 |
| Equity capital to assets | 3.5420% | 4,542 |
| Core capital (leverage) ratio | 7.8719% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9821% | 961 |
| Memoranda: | ||
| Average total assets | $103,562,000 | 3,825 |
| Average earning assets | $93,656,000 | 3,834 |
| Average equity | $3,699,000 | 4,419 |
| Average total loans | $38,700,000 | 4,041 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1770% | 4,502 |
| Cost of funding earning assets | 0.5345% | 3,579 |
| Net interest margin | 2.6426% | 4,159 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.2563% | 2,941 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3449% | 4,176 |
| Return on assets (ROA) | 0.3388% | 4,144 |
| Pretax return on assets | 0.4274% | 4,090 |
| Return on Equity (ROE) | 9.4500% | 2,934 |
| Retained earnings to average equity (ytd only) | 9.4471% | 1,824 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.8340% | 598 |
| Assets per employee ($millions) | 5.6003% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,357 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 38.0100% | 4,116 |
| Net loans and leases to deposits | 39.6117% | 4,235 |
| Net loans and leases to core deposits | 42.7884% | 4,207 |
| Total domestic deposits to total assets | 95.9500% | 53 |
| Equity capital to assets | 3.9810% | 4,546 |
| Core capital (leverage) ratio | 7.8529% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3698% | 935 |
| Memoranda: | ||
| Average total assets | $103,889,000 | 3,870 |
| Average earning assets | $94,301,500 | 3,878 |
| Average equity | $3,726,000 | 4,477 |
| Average total loans | $38,498,000 | 4,096 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7875% | 4,332 |
| Cost of funding earning assets | 0.3654% | 2,364 |
| Net interest margin | 2.4221% | 4,348 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.0887% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3462% | 4,320 |
| Return on assets (ROA) | 0.3462% | 4,286 |
| Pretax return on assets | 0.4305% | 4,247 |
| Return on Equity (ROE) | 7.9500% | 3,405 |
| Retained earnings to average equity (ytd only) | 1.7188% | 4,036 |
| Net charge-offs to loans | -0.0169% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.9123% | 546 |
| Assets per employee ($millions) | 5.9429% | 2,819 |
| Cash dividends to net income (ytd only)* | 78.3784% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,136 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 35.4100% | 4,242 |
| Net loans and leases to deposits | 36.5994% | 4,328 |
| Net loans and leases to core deposits | 38.3273% | 4,322 |
| Total domestic deposits to total assets | 96.7500% | 57 |
| Equity capital to assets | 3.2148% | 4,593 |
| Core capital (leverage) ratio | 7.3206% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7476% | 1,019 |
| Memoranda: | ||
| Average total assets | $106,859,800 | 3,866 |
| Average earning assets | $95,784,000 | 3,878 |
| Average equity | $4,654,400 | 4,464 |
| Average total loans | $35,565,400 | 4,145 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6592% | 4,329 |
| Cost of funding earning assets | 0.3586% | 1,632 |
| Net interest margin | 2.3006% | 4,404 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.0306% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3033% | 4,375 |
| Return on assets (ROA) | 0.3033% | 4,332 |
| Pretax return on assets | 0.3719% | 4,299 |
| Return on Equity (ROE) | 6.5300% | 3,684 |
| Retained earnings to average equity (ytd only) | 2.7697% | 3,842 |
| Net charge-offs to loans | -0.0038% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.5195% | 518 |
| Assets per employee ($millions) | 5.9307% | 2,825 |
| Cash dividends to net income (ytd only)* | 57.6132% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,127 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 34.1700% | 4,297 |
| Net loans and leases to deposits | 35.1576% | 4,390 |
| Net loans and leases to core deposits | 36.8100% | 4,375 |
| Total domestic deposits to total assets | 97.2000% | 75 |
| Equity capital to assets | 2.7222% | 4,612 |
| Core capital (leverage) ratio | 7.5118% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8472% | 1,020 |
| Memoranda: | ||
| Average total assets | $106,831,500 | 3,886 |
| Average earning assets | $95,915,250 | 3,906 |
| Average equity | $4,958,250 | 4,474 |
| Average total loans | $34,886,500 | 4,176 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5636% | 4,313 |
| Cost of funding earning assets | 0.3515% | 1,243 |
| Net interest margin | 2.2121% | 4,410 |
| Noninterest income to average assets | 0.3388% | 3,129 |
| Noninterest expense to average assets | 2.0045% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2901% | 4,307 |
| Return on assets (ROA) | 0.2901% | 4,255 |
| Pretax return on assets | 0.3369% | 4,244 |
| Return on Equity (ROE) | 5.4942% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.4942% | 2,514 |
| Net charge-offs to loans | -0.0058% | 3,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6115% | 597 |
| Assets per employee ($millions) | 5.8543% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 3,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 33.1957% | 4,362 |
| Net loans and leases to deposits | 34.6059% | 4,433 |
| Net loans and leases to core deposits | 36.2746% | 4,425 |
| Total domestic deposits to total assets | 95.9251% | 88 |
| Equity capital to assets | 4.0445% | 4,617 |
| Core capital (leverage) ratio | 7.6524% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7769% | 887 |
| Memoranda: | ||
| Average total assets | $106,858,000 | 3,929 |
| Average earning assets | $96,739,000 | 3,946 |
| Average equity | $5,642,333 | 4,450 |
| Average total loans | $34,222,667 | 4,241 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5325% | 4,224 |
| Cost of funding earning assets | 0.3582% | 1,143 |
| Net interest margin | 2.1743% | 4,377 |
| Noninterest income to average assets | 0.3309% | 3,119 |
| Noninterest expense to average assets | 1.9406% | 3,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2751% | 4,190 |
| Return on assets (ROA) | 0.2751% | 4,158 |
| Pretax return on assets | 0.3309% | 4,142 |
| Return on Equity (ROE) | 4.6743% | 3,707 |
| Retained earnings to average equity (ytd only) | 4.6743% | 2,716 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4337% | 770 |
| Assets per employee ($millions) | 5.8191% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,009 |
| 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 | 31.8876% | 4,382 |
| Net loans and leases to deposits | 33.5780% | 4,450 |
| Net loans and leases to core deposits | 35.3518% | 4,446 |
| Total domestic deposits to total assets | 94.9658% | 41 |
| Equity capital to assets | 5.0046% | 4,722 |
| Core capital (leverage) ratio | 7.3253% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1799% | 878 |
| Memoranda: | ||
| Average total assets | $107,598,000 | 3,941 |
| Average earning assets | $96,032,000 | 3,968 |
| Average equity | $6,332,500 | 4,430 |
| Average total loans | $33,645,500 | 4,268 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7918% | 4,215 |
| Cost of funding earning assets | 0.3769% | 1,704 |
| Net interest margin | 2.4150% | 4,308 |
| Noninterest income to average assets | 0.4712% | 2,721 |
| Noninterest expense to average assets | 1.9832% | 3,730 |
| Loan and lease loss provision to assets | 0.0151% | 2,777 |
| Net operating income to assets | 0.4306% | 4,221 |
| Return on assets (ROA) | 0.4306% | 4,263 |
| Pretax return on assets | 0.5487% | 4,180 |
| Return on Equity (ROE) | 5.8343% | 3,812 |
| Retained earnings to average equity (ytd only) | 2.1239% | 3,954 |
| Net charge-offs to loans | -0.0029% | 3,434 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8643% | 959 |
| Assets per employee ($millions) | 5.8133% | 2,938 |
| Cash dividends to net income (ytd only)* | 63.5965% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 29.9684% | 4,503 |
| Net loans and leases to deposits | 32.1409% | 4,576 |
| Net loans and leases to core deposits | 33.9501% | 4,560 |
| Total domestic deposits to total assets | 93.2406% | 34 |
| Equity capital to assets | 6.7205% | 4,759 |
| Core capital (leverage) ratio | 7.0176% | 4,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2759% | 855 |
| Memoranda: | ||
| Average total assets | $105,891,400 | 3,934 |
| Average earning assets | $91,015,400 | 4,003 |
| Average equity | $7,815,800 | 4,348 |
| Average total loans | $34,212,400 | 4,299 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8707% | 4,212 |
| Cost of funding earning assets | 0.3756% | 1,894 |
| Net interest margin | 2.4951% | 4,284 |
| Noninterest income to average assets | 0.4620% | 2,785 |
| Noninterest expense to average assets | 1.9067% | 3,930 |
| Loan and lease loss provision to assets | 0.0200% | 2,596 |
| Net operating income to assets | 0.5091% | 4,182 |
| Return on assets (ROA) | 0.5091% | 4,226 |
| Pretax return on assets | 0.6657% | 4,128 |
| Return on Equity (ROE) | 6.7389% | 3,737 |
| Retained earnings to average equity (ytd only) | 4.3803% | 3,451 |
| Net charge-offs to loans | -0.0039% | 3,356 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5395% | 1,255 |
| Assets per employee ($millions) | 6.4845% | 2,261 |
| Cash dividends to net income (ytd only)* | 35.0000% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,132 |
| 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 | 30.3655% | 4,580 |
| Net loans and leases to deposits | 32.7634% | 4,659 |
| Net loans and leases to core deposits | 34.3499% | 4,645 |
| Total domestic deposits to total assets | 92.6812% | 54 |
| Equity capital to assets | 7.1138% | 4,788 |
| Core capital (leverage) ratio | 7.1489% | 4,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8161% | 849 |
| Memoranda: | ||
| Average total assets | $104,751,000 | 4,000 |
| Average earning assets | $89,453,500 | 4,079 |
| Average equity | $7,914,000 | 4,398 |
| Average total loans | $34,391,500 | 4,351 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9220% | 4,187 |
| Cost of funding earning assets | 0.3778% | 2,067 |
| Net interest margin | 2.5442% | 4,254 |
| Noninterest income to average assets | 0.4897% | 2,667 |
| Noninterest expense to average assets | 1.9238% | 3,911 |
| Loan and lease loss provision to assets | 0.0311% | 2,359 |
| Net operating income to assets | 0.5383% | 4,142 |
| Return on assets (ROA) | 0.5383% | 4,189 |
| Pretax return on assets | 0.7073% | 4,051 |
| Return on Equity (ROE) | 6.9791% | 3,664 |
| Retained earnings to average equity (ytd only) | 3.4518% | 3,702 |
| Net charge-offs to loans | -0.0058% | 3,477 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2628% | 1,407 |
| Assets per employee ($millions) | 5.9441% | 2,674 |
| Cash dividends to net income (ytd only)* | 50.5415% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 3,103 |
| 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 | 31.2385% | 4,613 |
| Net loans and leases to deposits | 33.7749% | 4,684 |
| Net loans and leases to core deposits | 35.2485% | 4,692 |
| Total domestic deposits to total assets | 92.4902% | 68 |
| Equity capital to assets | 7.2846% | 4,789 |
| Core capital (leverage) ratio | 7.5088% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4153% | 768 |
| Memoranda: | ||
| Average total assets | $102,922,333 | 4,040 |
| Average earning assets | $87,885,667 | 4,113 |
| Average equity | $7,938,000 | 4,416 |
| Average total loans | $34,565,667 | 4,382 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9953% | 4,094 |
| Cost of funding earning assets | 0.3975% | 2,116 |
| Net interest margin | 2.5978% | 4,159 |
| Noninterest income to average assets | 0.4916% | 2,645 |
| Noninterest expense to average assets | 1.8635% | 4,074 |
| Loan and lease loss provision to assets | 0.0476% | 2,127 |
| Net operating income to assets | 0.6066% | 3,927 |
| Return on assets (ROA) | 0.6066% | 3,990 |
| Pretax return on assets | 0.8088% | 3,796 |
| Return on Equity (ROE) | 7.6404% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.6404% | 2,366 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5131% | 1,870 |
| Assets per employee ($millions) | 5.9596% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,390 |
| 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 | 34.3250% | 4,566 |
| Net loans and leases to deposits | 37.3085% | 4,651 |
| Net loans and leases to core deposits | 39.0386% | 4,646 |
| Total domestic deposits to total assets | 92.0031% | 146 |
| Equity capital to assets | 7.7393% | 4,618 |
| Core capital (leverage) ratio | 7.6735% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6919% | 713 |
| Memoranda: | ||
| Average total assets | $100,887,000 | 4,064 |
| Average earning assets | $86,535,500 | 4,138 |
| Average equity | $8,010,000 | 4,428 |
| Average total loans | $34,939,500 | 4,404 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4977% | 4,038 |
| Cost of funding earning assets | 0.4844% | 3,048 |
| Net interest margin | 3.0132% | 3,855 |
| Noninterest income to average assets | 0.7301% | 1,742 |
| Noninterest expense to average assets | 2.3032% | 3,391 |
| Loan and lease loss provision to assets | 0.0456% | 3,829 |
| Net operating income to assets | 0.7484% | 3,265 |
| Return on assets (ROA) | 0.7518% | 3,384 |
| Pretax return on assets | 0.9941% | 3,061 |
| Return on Equity (ROE) | 8.7670% | 2,485 |
| Retained earnings to average equity (ytd only) | 5.0930% | 2,235 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9880% | 2,097 |
| Assets per employee ($millions) | 5.5811% | 2,761 |
| Cash dividends to net income (ytd only)* | 41.9075% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,514 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 4,414 |
| Noncurrent loans to loans | 0.0202% | 4,260 |
| Net loans and leases to total assets | 34.1778% | 4,639 |
| Net loans and leases to deposits | 37.4011% | 4,711 |
| Net loans and leases to core deposits | 39.1581% | 4,718 |
| Total domestic deposits to total assets | 91.3816% | 150 |
| Equity capital to assets | 8.1415% | 4,647 |
| Core capital (leverage) ratio | 7.7817% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2339% | 747 |
| Memoranda: | ||
| Average total assets | $92,045,000 | 4,097 |
| Average earning assets | $79,682,000 | 4,163 |
| Average equity | $7,893,200 | 4,435 |
| Average total loans | $34,589,200 | 4,417 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,085 |
| Cost of funding earning assets | 0.4916% | 3,278 |
| Net interest margin | 3.0775% | 3,791 |
| Noninterest income to average assets | 0.6330% | 2,061 |
| Noninterest expense to average assets | 2.2310% | 3,605 |
| Loan and lease loss provision to assets | 0.0445% | 3,799 |
| Net operating income to assets | 0.7780% | 3,175 |
| Return on assets (ROA) | 0.7827% | 3,274 |
| Pretax return on assets | 1.0451% | 2,918 |
| Return on Equity (ROE) | 9.0003% | 2,396 |
| Retained earnings to average equity (ytd only) | 6.6139% | 1,846 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3077% | 2,281 |
| Assets per employee ($millions) | 5.6812% | 2,553 |
| Cash dividends to net income (ytd only)* | 26.5152% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 35.5194% | 4,696 |
| Net loans and leases to deposits | 39.0611% | 4,775 |
| Net loans and leases to core deposits | 40.9773% | 4,770 |
| Total domestic deposits to total assets | 90.9330% | 188 |
| Equity capital to assets | 8.5048% | 4,463 |
| Core capital (leverage) ratio | 7.9979% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6064% | 712 |
| Memoranda: | ||
| Average total assets | $89,941,250 | 4,123 |
| Average earning assets | $78,374,250 | 4,189 |
| Average equity | $7,821,750 | 4,465 |
| Average total loans | $34,558,250 | 4,448 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 4,167 |
| Cost of funding earning assets | 0.5006% | 3,530 |
| Net interest margin | 3.1530% | 3,780 |
| Noninterest income to average assets | 0.5677% | 2,266 |
| Noninterest expense to average assets | 2.3071% | 3,494 |
| Loan and lease loss provision to assets | 0.0410% | 3,765 |
| Net operating income to assets | 0.7569% | 3,195 |
| Return on assets (ROA) | 0.7569% | 3,310 |
| Pretax return on assets | 1.0054% | 3,009 |
| Return on Equity (ROE) | 8.6335% | 2,517 |
| Retained earnings to average equity (ytd only) | 4.9928% | 2,475 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7967% | 2,125 |
| Assets per employee ($millions) | 5.4639% | 2,674 |
| Cash dividends to net income (ytd only)* | 42.1687% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 37.5456% | 4,684 |
| Net loans and leases to deposits | 41.3490% | 4,761 |
| Net loans and leases to core deposits | 43.4585% | 4,763 |
| Total domestic deposits to total assets | 90.8017% | 196 |
| Equity capital to assets | 8.6643% | 4,377 |
| Core capital (leverage) ratio | 8.3389% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7216% | 805 |
| Memoranda: | ||
| Average total assets | $87,728,000 | 4,154 |
| Average earning assets | $77,513,000 | 4,206 |
| Average equity | $7,691,000 | 4,498 |
| Average total loans | $34,520,667 | 4,464 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6599% | 4,454 |
| Cost of funding earning assets | 0.5243% | 3,831 |
| Net interest margin | 3.1355% | 4,024 |
| Noninterest income to average assets | 0.4322% | 2,896 |
| Noninterest expense to average assets | 2.2643% | 3,847 |
| Loan and lease loss provision to assets | 0.0282% | 3,436 |
| Net operating income to assets | 0.7281% | 3,174 |
| Return on assets (ROA) | 0.7281% | 3,258 |
| Pretax return on assets | 0.9489% | 3,002 |
| Return on Equity (ROE) | 8.2529% | 2,407 |
| Retained earnings to average equity (ytd only) | 8.2529% | 1,155 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8551% | 2,375 |
| Assets per employee ($millions) | 4.9605% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 40.7226% | 4,641 |
| Net loans and leases to deposits | 45.0014% | 4,745 |
| Net loans and leases to core deposits | 47.5446% | 4,741 |
| Total domestic deposits to total assets | 90.4920% | 196 |
| Equity capital to assets | 9.0526% | 4,569 |
| Core capital (leverage) ratio | 8.7381% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9969% | 867 |
| Memoranda: | ||
| Average total assets | $85,148,500 | 4,196 |
| Average earning assets | $76,286,500 | 4,224 |
| Average equity | $7,512,500 | 4,552 |
| Average total loans | $34,166,500 | 4,495 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 4,820 |
| Cost of funding earning assets | 0.5142% | 4,029 |
| Net interest margin | 3.0356% | 4,473 |
| Noninterest income to average assets | 0.4055% | 3,264 |
| Noninterest expense to average assets | 2.3489% | 3,826 |
| Loan and lease loss provision to assets | 0.0253% | 3,505 |
| Net operating income to assets | 0.6092% | 4,129 |
| Return on assets (ROA) | 0.6111% | 4,189 |
| Pretax return on assets | 0.7661% | 4,051 |
| Return on Equity (ROE) | 7.4406% | 3,394 |
| Retained earnings to average equity (ytd only) | 3.5245% | 3,238 |
| Net charge-offs to loans | 0.0029% | 3,578 |
| Credit loss provision to net charge-offs | 2,200.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 687.0000% | 152 |
| Efficiency ratio | 74.8536% | 1,507 |
| Assets per employee ($millions) | 5.0569% | 2,506 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,525 |
| 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 | 38.7516% | 4,778 |
| Net loans and leases to deposits | 42.5548% | 4,863 |
| Net loans and leases to core deposits | 44.8885% | 4,852 |
| Total domestic deposits to total assets | 91.0630% | 112 |
| Equity capital to assets | 8.5974% | 4,871 |
| Core capital (leverage) ratio | 8.3960% | 4,899 |
| Tier 1 risk-based capital ratio | 18.7384% | 1,577 |
| Total risk-based capital ratio | 19.6157% | 1,642 |
| Memoranda: | ||
| Average total assets | $87,060,400 | 4,186 |
| Average earning assets | $78,370,400 | 4,210 |
| Average equity | $7,150,000 | 4,620 |
| Average total loans | $34,038,400 | 4,556 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 4,957 |
| Cost of funding earning assets | 0.5028% | 4,130 |
| Net interest margin | 3.0019% | 4,620 |
| Noninterest income to average assets | 0.3695% | 3,500 |
| Noninterest expense to average assets | 2.2412% | 4,089 |
| Loan and lease loss provision to assets | 0.0244% | 3,405 |
| Net operating income to assets | 0.6525% | 4,155 |
| Return on assets (ROA) | 0.6549% | 4,200 |
| Pretax return on assets | 0.8229% | 4,067 |
| Return on Equity (ROE) | 8.0678% | 3,272 |
| Retained earnings to average equity (ytd only) | 5.6230% | 2,556 |
| Net charge-offs to loans | 0.0039% | 3,271 |
| Credit loss provision to net charge-offs | 1,600.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 554.3684% | 179 |
| Efficiency ratio | 72.6373% | 1,746 |
| Assets per employee ($millions) | 4.9302% | 2,635 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 36.2958% | 4,928 |
| Net loans and leases to deposits | 39.8205% | 5,000 |
| Net loans and leases to core deposits | 42.1895% | 4,992 |
| Total domestic deposits to total assets | 91.1486% | 84 |
| Equity capital to assets | 8.4176% | 5,024 |
| Core capital (leverage) ratio | 8.3883% | 4,989 |
| Tier 1 risk-based capital ratio | 19.1954% | 1,524 |
| Total risk-based capital ratio | 20.0723% | 1,574 |
| Memoranda: | ||
| Average total assets | $87,333,500 | 4,234 |
| Average earning assets | $79,014,250 | 4,258 |
| Average equity | $7,089,750 | 4,683 |
| Average total loans | $34,135,500 | 4,616 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 5,076 |
| Cost of funding earning assets | 0.4860% | 4,182 |
| Net interest margin | 2.9236% | 4,796 |
| Noninterest income to average assets | 0.3385% | 3,669 |
| Noninterest expense to average assets | 2.2702% | 4,080 |
| Loan and lease loss provision to assets | 0.0230% | 3,344 |
| Net operating income to assets | 0.6032% | 4,300 |
| Return on assets (ROA) | 0.6032% | 4,341 |
| Pretax return on assets | 0.7460% | 4,224 |
| Return on Equity (ROE) | 7.5255% | 3,484 |
| Retained earnings to average equity (ytd only) | 3.7915% | 3,356 |
| Net charge-offs to loans | -0.0058% | 4,168 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6970% | 1,559 |
| Assets per employee ($millions) | 4.5986% | 3,005 |
| Cash dividends to net income (ytd only)* | 49.6183% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 3,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 41.5705% | 4,795 |
| Net loans and leases to deposits | 45.7507% | 4,914 |
| Net loans and leases to core deposits | 48.6890% | 4,895 |
| Total domestic deposits to total assets | 90.8632% | 120 |
| Equity capital to assets | 8.7865% | 4,908 |
| Core capital (leverage) ratio | 8.4205% | 4,994 |
| Tier 1 risk-based capital ratio | 17.8826% | 1,836 |
| Total risk-based capital ratio | 18.7087% | 1,911 |
| Memoranda: | ||
| Average total assets | $86,863,670 | 4,270 |
| Average earning assets | $80,243,000 | 4,260 |
| Average equity | $6,963,000 | 4,733 |
| Average total loans | $34,667,330 | 4,634 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2991% | 5,172 |
| Cost of funding earning assets | 0.4671% | 4,215 |
| Net interest margin | 2.8320% | 4,956 |
| Noninterest income to average assets | 0.2924% | 3,920 |
| Noninterest expense to average assets | 2.1685% | 4,336 |
| Loan and lease loss provision to assets | 0.0180% | 3,207 |
| Net operating income to assets | 0.5939% | 4,264 |
| Return on assets (ROA) | 0.5939% | 4,296 |
| Pretax return on assets | 0.7243% | 4,243 |
| Return on Equity (ROE) | 7.7556% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.7556% | 1,752 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4977% | 1,681 |
| Assets per employee ($millions) | 4.7508% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 40.1548% | 4,884 |
| Net loans and leases to deposits | 43.8298% | 4,993 |
| Net loans and leases to core deposits | 46.5240% | 4,972 |
| Total domestic deposits to total assets | 91.6154% | 87 |
| Equity capital to assets | 8.2244% | 5,119 |
| Core capital (leverage) ratio | 8.2428% | 5,123 |
| Tier 1 risk-based capital ratio | 17.4311% | 1,962 |
| Total risk-based capital ratio | 18.2191% | 2,066 |
| Memoranda: | ||
| Average total assets | $88,908,000 | 4,280 |
| Average earning assets | $82,204,000 | 4,276 |
| Average equity | $6,808,000 | 4,784 |
| Average total loans | $34,633,000 | 4,685 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2549% | 5,110 |
| Cost of funding earning assets | 0.4110% | 3,918 |
| Net interest margin | 2.8439% | 4,979 |
| Noninterest income to average assets | 0.3216% | 3,950 |
| Noninterest expense to average assets | 2.3300% | 4,046 |
| Loan and lease loss provision to assets | 0.0135% | 3,875 |
| Net operating income to assets | 0.5476% | 4,553 |
| Return on assets (ROA) | 0.5476% | 4,550 |
| Pretax return on assets | 0.6545% | 4,527 |
| Return on Equity (ROE) | 7.5720% | 3,632 |
| Retained earnings to average equity (ytd only) | 3.9959% | 3,373 |
| Net charge-offs to loans | 0.0318% | 2,766 |
| Credit loss provision to net charge-offs | 109.0909% | 2,353 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,089 |
| Efficiency ratio | 77.7194% | 1,159 |
| Assets per employee ($millions) | 5.1279% | 2,351 |
| Cash dividends to net income (ytd only)* | 47.2279% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 4,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 37.1541% | 5,039 |
| Net loans and leases to deposits | 40.0420% | 5,123 |
| Net loans and leases to core deposits | 41.2629% | 5,142 |
| Total domestic deposits to total assets | 92.7878% | 43 |
| Equity capital to assets | 7.1320% | 5,324 |
| Core capital (leverage) ratio | 7.7468% | 5,290 |
| Tier 1 risk-based capital ratio | 16.7493% | 2,153 |
| Total risk-based capital ratio | 17.5112% | 2,266 |
| Memoranda: | ||
| Average total assets | $88,927,200 | 4,290 |
| Average earning assets | $83,688,200 | 4,255 |
| Average equity | $6,431,600 | 4,838 |
| Average total loans | $34,617,200 | 4,700 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2679% | 5,150 |
| Cost of funding earning assets | 0.4004% | 3,856 |
| Net interest margin | 2.8674% | 5,016 |
| Noninterest income to average assets | 0.2846% | 4,250 |
| Noninterest expense to average assets | 2.2887% | 4,126 |
| Loan and lease loss provision to assets | 0.0182% | 3,650 |
| Net operating income to assets | 0.5555% | 4,631 |
| Return on assets (ROA) | 0.5555% | 4,640 |
| Pretax return on assets | 0.6766% | 4,589 |
| Return on Equity (ROE) | 7.6531% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.5678% | 2,914 |
| Net charge-offs to loans | 0.0424% | 2,244 |
| Credit loss provision to net charge-offs | 109.0909% | 2,121 |
| Earnings coverage of net charge-offs (x) | 41.7164% | 1,320 |
| Efficiency ratio | 76.7123% | 1,267 |
| Assets per employee ($millions) | 4.9784% | 2,495 |
| Cash dividends to net income (ytd only)* | 27.2480% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 4,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 38.8006% | 5,059 |
| Net loans and leases to deposits | 41.8185% | 5,157 |
| Net loans and leases to core deposits | 43.0466% | 5,178 |
| Total domestic deposits to total assets | 92.7833% | 44 |
| Equity capital to assets | 7.1129% | 5,373 |
| Core capital (leverage) ratio | 7.6439% | 5,379 |
| Tier 1 risk-based capital ratio | 16.8768% | 2,146 |
| Total risk-based capital ratio | 17.6433% | 2,245 |
| Memoranda: | ||
| Average total assets | $88,083,500 | 4,347 |
| Average earning assets | $82,906,750 | 4,306 |
| Average equity | $6,393,750 | 4,893 |
| Average total loans | $34,619,250 | 4,748 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2127% | 5,214 |
| Cost of funding earning assets | 0.3988% | 3,726 |
| Net interest margin | 2.8138% | 5,105 |
| Noninterest income to average assets | 0.3220% | 4,031 |
| Noninterest expense to average assets | 2.3272% | 4,085 |
| Loan and lease loss provision to assets | 0.0274% | 3,370 |
| Net operating income to assets | 0.5024% | 4,745 |
| Return on assets (ROA) | 0.5024% | 4,748 |
| Pretax return on assets | 0.6098% | 4,725 |
| Return on Equity (ROE) | 6.8746% | 3,934 |
| Retained earnings to average equity (ytd only) | 3.7498% | 3,725 |
| Net charge-offs to loans | 0.0638% | 1,710 |
| Credit loss provision to net charge-offs | 109.0909% | 1,903 |
| Earnings coverage of net charge-offs (x) | 25.3636% | 1,642 |
| Efficiency ratio | 78.5054% | 1,163 |
| Assets per employee ($millions) | 4.8563% | 2,607 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 4,921 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 38.7837% | 5,100 |
| Net loans and leases to deposits | 41.8492% | 5,198 |
| Net loans and leases to core deposits | 43.7778% | 5,200 |
| Total domestic deposits to total assets | 92.6750% | 46 |
| Equity capital to assets | 7.2621% | 5,427 |
| Core capital (leverage) ratio | 7.8625% | 5,383 |
| Tier 1 risk-based capital ratio | 16.8633% | 2,142 |
| Total risk-based capital ratio | 17.6459% | 2,241 |
| Memoranda: | ||
| Average total assets | $87,574,000 | 4,387 |
| Average earning assets | $82,236,670 | 4,358 |
| Average equity | $6,400,330 | 4,945 |
| Average total loans | $34,464,000 | 4,797 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1941% | 5,237 |
| Cost of funding earning assets | 0.3712% | 3,821 |
| Net interest margin | 2.8229% | 5,131 |
| Noninterest income to average assets | 0.3057% | 4,117 |
| Noninterest expense to average assets | 2.2634% | 4,266 |
| Loan and lease loss provision to assets | 0.0274% | 3,160 |
| Net operating income to assets | 0.5522% | 4,567 |
| Return on assets (ROA) | 0.5522% | 4,570 |
| Pretax return on assets | 0.6526% | 4,564 |
| Return on Equity (ROE) | 7.5313% | 3,575 |
| Retained earnings to average equity (ytd only) | 7.5313% | 2,034 |
| Net charge-offs to loans | 0.1272% | 1,034 |
| Credit loss provision to net charge-offs | 54.5455% | 1,917 |
| Earnings coverage of net charge-offs (x) | 13.5455% | 1,748 |
| Efficiency ratio | 76.8992% | 1,475 |
| Assets per employee ($millions) | 4.7674% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 4,465 |
| Loan loss allowance to noncurrent loans | 261.8644% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 4,283 |
| Noncurrent loans to loans | 0.3422% | 3,535 |
| Net loans and leases to total assets | 39.8215% | 5,074 |
| Net loans and leases to deposits | 43.4554% | 5,174 |
| Net loans and leases to core deposits | 45.5202% | 5,178 |
| Total domestic deposits to total assets | 91.6376% | 163 |
| Equity capital to assets | 7.4220% | 5,444 |
| Core capital (leverage) ratio | 7.8418% | 5,433 |
| Tier 1 risk-based capital ratio | 16.5126% | 2,268 |
| Total risk-based capital ratio | 17.2642% | 2,401 |
| Memoranda: | ||
| Average total assets | $87,654,500 | 4,439 |
| Average earning assets | $81,900,500 | 4,408 |
| Average equity | $6,426,500 | 4,992 |
| Average total loans | $34,587,500 | 4,840 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 5,105 |
| Cost of funding earning assets | 0.4118% | 3,139 |
| Net interest margin | 2.8676% | 5,085 |
| Noninterest income to average assets | 0.3897% | 3,704 |
| Noninterest expense to average assets | 2.3059% | 4,314 |
| Loan and lease loss provision to assets | 0.0275% | 3,733 |
| Net operating income to assets | 0.5389% | 4,267 |
| Return on assets (ROA) | 0.5398% | 4,295 |
| Pretax return on assets | 0.6750% | 4,570 |
| Return on Equity (ROE) | 7.2014% | 3,175 |
| Retained earnings to average equity (ytd only) | 3.8377% | 2,916 |
| Net charge-offs to loans | -0.0029% | 4,569 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6768% | 1,523 |
| Assets per employee ($millions) | 4.9720% | 2,514 |
| Cash dividends to net income (ytd only)* | 46.7091% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 4,454 |
| Loan loss allowance to noncurrent loans | 1,046.6667% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 4,973 |
| Noncurrent loans to loans | 0.0865% | 4,615 |
| Net loans and leases to total assets | 38.4151% | 5,203 |
| Net loans and leases to deposits | 41.4352% | 5,309 |
| Net loans and leases to core deposits | 43.2954% | 5,314 |
| Total domestic deposits to total assets | 92.7114% | 41 |
| Equity capital to assets | 7.2450% | 5,568 |
| Core capital (leverage) ratio | 7.3349% | 5,580 |
| Tier 1 risk-based capital ratio | 16.0408% | 2,425 |
| Total risk-based capital ratio | 16.7962% | 2,542 |
| Memoranda: | ||
| Average total assets | $87,254,600 | 4,471 |
| Average earning assets | $79,649,000 | 4,471 |
| Average equity | $6,540,400 | 5,019 |
| Average total loans | $34,262,200 | 4,890 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2827% | 5,134 |
| Cost of funding earning assets | 0.4129% | 3,062 |
| Net interest margin | 2.8698% | 5,133 |
| Noninterest income to average assets | 0.3614% | 3,947 |
| Noninterest expense to average assets | 2.2254% | 4,475 |
| Loan and lease loss provision to assets | 0.0277% | 3,576 |
| Net operating income to assets | 0.5816% | 4,454 |
| Return on assets (ROA) | 0.5829% | 4,490 |
| Pretax return on assets | 0.7182% | 4,564 |
| Return on Equity (ROE) | 7.7095% | 3,289 |
| Retained earnings to average equity (ytd only) | 5.6753% | 2,444 |
| Net charge-offs to loans | -0.0039% | 4,417 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9353% | 1,755 |
| Assets per employee ($millions) | 5.1701% | 2,261 |
| Cash dividends to net income (ytd only)* | 26.3853% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 4,674 |
| Loan loss allowance to noncurrent loans | 1,026.6667% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 5,072 |
| Noncurrent loans to loans | 0.0852% | 4,730 |
| Net loans and leases to total assets | 37.4915% | 5,288 |
| Net loans and leases to deposits | 40.4860% | 5,409 |
| Net loans and leases to core deposits | 42.6815% | 5,404 |
| Total domestic deposits to total assets | 92.6038% | 36 |
| Equity capital to assets | 7.2501% | 5,639 |
| Core capital (leverage) ratio | 7.3208% | 5,638 |
| Tier 1 risk-based capital ratio | 16.0691% | 2,476 |
| Total risk-based capital ratio | 16.8083% | 2,631 |
| Memoranda: | ||
| Average total assets | $86,694,250 | 4,518 |
| Average earning assets | $78,795,750 | 4,524 |
| Average equity | $6,554,500 | 5,066 |
| Average total loans | $34,154,250 | 4,946 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2447% | 5,182 |
| Cost of funding earning assets | 0.4075% | 2,998 |
| Net interest margin | 2.8372% | 5,191 |
| Noninterest income to average assets | 0.3524% | 4,037 |
| Noninterest expense to average assets | 2.2797% | 4,406 |
| Loan and lease loss provision to assets | 0.0284% | 3,432 |
| Net operating income to assets | 0.5396% | 4,574 |
| Return on assets (ROA) | 0.5416% | 4,600 |
| Pretax return on assets | 0.6480% | 4,691 |
| Return on Equity (ROE) | 7.0567% | 3,526 |
| Retained earnings to average equity (ytd only) | 3.9751% | 3,340 |
| Net charge-offs to loans | -0.0059% | 4,373 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1817% | 1,564 |
| Assets per employee ($millions) | 4.8902% | 2,524 |
| Cash dividends to net income (ytd only)* | 43.6681% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 4,744 |
| 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 | 39.0166% | 5,257 |
| Net loans and leases to deposits | 42.2669% | 5,389 |
| Net loans and leases to core deposits | 45.0130% | 5,373 |
| Total domestic deposits to total assets | 92.3101% | 50 |
| Equity capital to assets | 7.5536% | 5,649 |
| Core capital (leverage) ratio | 7.5528% | 5,647 |
| Tier 1 risk-based capital ratio | 15.8104% | 2,581 |
| Total risk-based capital ratio | 16.5399% | 2,739 |
| Memoranda: | ||
| Average total assets | $84,572,000 | 4,581 |
| Average earning assets | $77,541,330 | 4,573 |
| Average equity | $6,490,330 | 5,105 |
| Average total loans | $33,806,330 | 4,987 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1761% | 5,272 |
| Cost of funding earning assets | 0.3878% | 3,120 |
| Net interest margin | 2.7883% | 5,265 |
| Noninterest income to average assets | 0.3090% | 4,343 |
| Noninterest expense to average assets | 2.2596% | 4,508 |
| Loan and lease loss provision to assets | 0.0290% | 3,190 |
| Net operating income to assets | 0.5070% | 4,572 |
| Return on assets (ROA) | 0.5070% | 4,599 |
| Pretax return on assets | 0.5890% | 4,753 |
| Return on Equity (ROE) | 6.5512% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.5512% | 2,051 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5235% | 1,562 |
| Assets per employee ($millions) | 4.5644% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 4,788 |
| Loan loss allowance to noncurrent loans | 14,750.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,373 |
| Noncurrent loans to loans | 0.0060% | 5,237 |
| Net loans and leases to total assets | 39.9124% | 5,253 |
| Net loans and leases to deposits | 43.3711% | 5,378 |
| Net loans and leases to core deposits | 46.3734% | 5,357 |
| Total domestic deposits to total assets | 92.0253% | 103 |
| Equity capital to assets | 7.9260% | 5,556 |
| Core capital (leverage) ratio | 7.9387% | 5,584 |
| Tier 1 risk-based capital ratio | 16.2741% | 2,448 |
| Total risk-based capital ratio | 17.0102% | 2,583 |
| Memoranda: | ||
| Average total assets | $82,846,000 | 4,664 |
| Average earning assets | $76,320,000 | 4,646 |
| Average equity | $6,411,000 | 5,168 |
| Average total loans | $33,386,500 | 5,043 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 5,107 |
| Cost of funding earning assets | 0.3983% | 3,016 |
| Net interest margin | 2.9377% | 5,064 |
| Noninterest income to average assets | 0.4310% | 3,674 |
| Noninterest expense to average assets | 2.3785% | 4,351 |
| Loan and lease loss provision to assets | 0.0291% | 3,771 |
| Net operating income to assets | 0.5891% | 4,258 |
| Return on assets (ROA) | 0.5949% | 4,336 |
| Pretax return on assets | 0.7443% | 4,359 |
| Return on Equity (ROE) | 7.5440% | 3,196 |
| Retained earnings to average equity (ytd only) | 4.1569% | 2,945 |
| Net charge-offs to loans | -0.0118% | 4,979 |
| Credit loss provision to net charge-offs | -600.0000% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6371% | 2,037 |
| Assets per employee ($millions) | 4.6407% | 2,899 |
| Cash dividends to net income (ytd only)* | 44.8980% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 4,938 |
| Loan loss allowance to noncurrent loans | 9,633.3333% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,423 |
| Noncurrent loans to loans | 0.0089% | 5,262 |
| Net loans and leases to total assets | 39.9811% | 5,312 |
| Net loans and leases to deposits | 43.2738% | 5,454 |
| Net loans and leases to core deposits | 45.1640% | 5,461 |
| Total domestic deposits to total assets | 92.3909% | 74 |
| Equity capital to assets | 7.5540% | 5,705 |
| Core capital (leverage) ratio | 7.6649% | 5,713 |
| Tier 1 risk-based capital ratio | 15.7782% | 2,642 |
| Total risk-based capital ratio | 16.4888% | 2,800 |
| Memoranda: | ||
| Average total assets | $82,363,800 | 4,687 |
| Average earning assets | $76,080,000 | 4,674 |
| Average equity | $6,495,200 | 5,189 |
| Average total loans | $34,000,600 | 5,068 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3343% | 5,160 |
| Cost of funding earning assets | 0.3956% | 3,061 |
| Net interest margin | 2.9387% | 5,113 |
| Noninterest income to average assets | 0.3866% | 4,013 |
| Noninterest expense to average assets | 2.3134% | 4,501 |
| Loan and lease loss provision to assets | 0.0292% | 3,656 |
| Net operating income to assets | 0.6224% | 4,196 |
| Return on assets (ROA) | 0.6303% | 4,287 |
| Pretax return on assets | 0.7814% | 4,361 |
| Return on Equity (ROE) | 7.9083% | 3,058 |
| Retained earnings to average equity (ytd only) | 5.8701% | 2,259 |
| Net charge-offs to loans | -0.0156% | 4,926 |
| Credit loss provision to net charge-offs | -450.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2827% | 2,228 |
| Assets per employee ($millions) | 4.6637% | 2,813 |
| Cash dividends to net income (ytd only)* | 25.7732% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 5,149 |
| Loan loss allowance to noncurrent loans | 5,660.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 5,512 |
| Noncurrent loans to loans | 0.0144% | 5,344 |
| Net loans and leases to total assets | 41.0978% | 5,329 |
| Net loans and leases to deposits | 44.8436% | 5,489 |
| Net loans and leases to core deposits | 46.8756% | 5,481 |
| Total domestic deposits to total assets | 91.6470% | 103 |
| Equity capital to assets | 8.0218% | 5,730 |
| Core capital (leverage) ratio | 7.7138% | 5,784 |
| Tier 1 risk-based capital ratio | 15.4450% | 2,853 |
| Total risk-based capital ratio | 16.1242% | 3,041 |
| Memoranda: | ||
| Average total assets | $82,071,750 | 4,729 |
| Average earning assets | $76,175,750 | 4,710 |
| Average equity | $6,541,500 | 5,227 |
| Average total loans | $34,079,250 | 5,111 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3313% | 5,222 |
| Cost of funding earning assets | 0.3956% | 3,090 |
| Net interest margin | 2.9356% | 5,194 |
| Noninterest income to average assets | 0.3364% | 4,378 |
| Noninterest expense to average assets | 2.2763% | 4,671 |
| Loan and lease loss provision to assets | 0.0295% | 3,543 |
| Net operating income to assets | 0.6192% | 4,191 |
| Return on assets (ROA) | 0.6311% | 4,273 |
| Pretax return on assets | 0.7784% | 4,355 |
| Return on Equity (ROE) | 7.9354% | 3,011 |
| Retained earnings to average equity (ytd only) | 4.8477% | 2,826 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1600% | 2,332 |
| Assets per employee ($millions) | 4.7512% | 2,630 |
| Cash dividends to net income (ytd only)* | 38.9105% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 5,303 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 5,592 |
| Noncurrent loans to loans | 0.0202% | 5,392 |
| Net loans and leases to total assets | 42.4831% | 5,315 |
| Net loans and leases to deposits | 46.4450% | 5,485 |
| Net loans and leases to core deposits | 48.7186% | 5,474 |
| Total domestic deposits to total assets | 91.4697% | 126 |
| Equity capital to assets | 8.2022% | 5,733 |
| Core capital (leverage) ratio | 7.8781% | 5,790 |
| Tier 1 risk-based capital ratio | 15.3636% | 2,923 |
| Total risk-based capital ratio | 16.0290% | 3,113 |
| Memoranda: | ||
| Average total assets | $81,447,000 | 4,784 |
| Average earning assets | $75,826,670 | 4,761 |
| Average equity | $6,477,330 | 5,286 |
| Average total loans | $33,844,670 | 5,176 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3559% | 5,214 |
| Cost of funding earning assets | 0.3957% | 3,123 |
| Net interest margin | 2.9602% | 5,200 |
| Noninterest income to average assets | 0.3130% | 4,494 |
| Noninterest expense to average assets | 2.3770% | 4,434 |
| Loan and lease loss provision to assets | 0.0293% | 3,266 |
| Net operating income to assets | 0.5625% | 4,355 |
| Return on assets (ROA) | 0.5625% | 4,460 |
| Pretax return on assets | 0.6505% | 4,677 |
| Return on Equity (ROE) | 7.1836% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.1836% | 1,800 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7600% | 1,929 |
| Assets per employee ($millions) | 4.7654% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7943% | 5,375 |
| Loan loss allowance to noncurrent loans | 3,337.5000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 5,637 |
| Noncurrent loans to loans | 0.0238% | 5,402 |
| Net loans and leases to total assets | 41.1635% | 5,393 |
| Net loans and leases to deposits | 45.8984% | 5,507 |
| Net loans and leases to core deposits | 48.3858% | 5,496 |
| Total domestic deposits to total assets | 89.6841% | 746 |
| Equity capital to assets | 8.0508% | 5,804 |
| Core capital (leverage) ratio | 7.7598% | 5,862 |
| Tier 1 risk-based capital ratio | 15.4305% | 2,956 |
| Total risk-based capital ratio | 16.0884% | 3,165 |
| Memoranda: | ||
| Average total assets | $81,785,000 | 4,823 |
| Average earning assets | $75,806,500 | 4,802 |
| Average equity | $6,403,500 | 5,335 |
| Average total loans | $33,473,500 | 5,228 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3275% | 5,300 |
| Cost of funding earning assets | 0.4220% | 2,918 |
| Net interest margin | 2.9055% | 5,329 |
| Noninterest income to average assets | 0.3316% | 4,526 |
| Noninterest expense to average assets | 2.3310% | 4,702 |
| Loan and lease loss provision to assets | 0.0297% | 3,777 |
| Net operating income to assets | 0.5343% | 4,564 |
| Return on assets (ROA) | 0.5394% | 4,631 |
| Pretax return on assets | 0.6520% | 4,671 |
| Return on Equity (ROE) | 7.0600% | 3,482 |
| Retained earnings to average equity (ytd only) | 4.7931% | 2,580 |
| Net charge-offs to loans | -0.0095% | 5,101 |
| Credit loss provision to net charge-offs | -800.0000% | 5,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5309% | 2,047 |
| Assets per employee ($millions) | 4.8564% | 2,525 |
| Cash dividends to net income (ytd only)* | 32.1101% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7830% | 5,454 |
| Loan loss allowance to noncurrent loans | 2,610.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 5,657 |
| Noncurrent loans to loans | 0.0300% | 5,389 |
| Net loans and leases to total assets | 40.0586% | 5,508 |
| Net loans and leases to deposits | 43.4181% | 5,669 |
| Net loans and leases to core deposits | 45.8423% | 5,654 |
| Total domestic deposits to total assets | 92.2625% | 85 |
| Equity capital to assets | 7.6127% | 5,965 |
| Core capital (leverage) ratio | 7.6253% | 5,949 |
| Tier 1 risk-based capital ratio | 15.2029% | 3,078 |
| Total risk-based capital ratio | 15.8484% | 3,306 |
| Memoranda: | ||
| Average total assets | $80,823,200 | 4,852 |
| Average earning assets | $74,410,800 | 4,847 |
| Average equity | $6,175,600 | 5,403 |
| Average total loans | $31,441,400 | 5,312 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3690% | 5,280 |
| Cost of funding earning assets | 0.4288% | 2,922 |
| Net interest margin | 2.9402% | 5,332 |
| Noninterest income to average assets | 0.3218% | 4,639 |
| Noninterest expense to average assets | 2.3104% | 4,751 |
| Loan and lease loss provision to assets | 0.0299% | 3,639 |
| Net operating income to assets | 0.5589% | 4,565 |
| Return on assets (ROA) | 0.5656% | 4,632 |
| Pretax return on assets | 0.6966% | 4,690 |
| Return on Equity (ROE) | 7.3949% | 3,406 |
| Retained earnings to average equity (ytd only) | 5.4432% | 2,615 |
| Net charge-offs to loans | -0.0086% | 4,941 |
| Credit loss provision to net charge-offs | -900.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2870% | 2,198 |
| Assets per employee ($millions) | 4.5547% | 2,912 |
| Cash dividends to net income (ytd only)* | 26.3933% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 5,532 |
| Loan loss allowance to noncurrent loans | 2,116.6667% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 5,743 |
| Noncurrent loans to loans | 0.0375% | 5,467 |
| Net loans and leases to total assets | 38.7315% | 5,662 |
| Net loans and leases to deposits | 42.0834% | 5,802 |
| Net loans and leases to core deposits | 45.2265% | 5,756 |
| Total domestic deposits to total assets | 92.0351% | 96 |
| Equity capital to assets | 7.7234% | 6,035 |
| Core capital (leverage) ratio | 7.5628% | 6,040 |
| Tier 1 risk-based capital ratio | 15.5671% | 3,017 |
| Total risk-based capital ratio | 16.2151% | 3,252 |
| Memoranda: | ||
| Average total assets | $80,389,250 | 4,922 |
| Average earning assets | $74,007,000 | 4,909 |
| Average equity | $6,148,250 | 5,471 |
| Average total loans | $30,968,500 | 5,384 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3350% | 5,376 |
| Cost of funding earning assets | 0.4294% | 2,941 |
| Net interest margin | 2.9056% | 5,434 |
| Noninterest income to average assets | 0.3080% | 4,752 |
| Noninterest expense to average assets | 2.2991% | 4,849 |
| Loan and lease loss provision to assets | 0.0301% | 3,528 |
| Net operating income to assets | 0.5581% | 4,526 |
| Return on assets (ROA) | 0.5685% | 4,582 |
| Pretax return on assets | 0.6862% | 4,702 |
| Return on Equity (ROE) | 7.4585% | 3,342 |
| Retained earnings to average equity (ytd only) | 4.5014% | 3,153 |
| Net charge-offs to loans | -0.0131% | 5,016 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5638% | 2,269 |
| Assets per employee ($millions) | 4.4584% | 3,049 |
| Cash dividends to net income (ytd only)* | 39.6476% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 5,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 39.2718% | 5,673 |
| Net loans and leases to deposits | 43.3979% | 5,787 |
| Net loans and leases to core deposits | 46.7576% | 5,733 |
| Total domestic deposits to total assets | 90.4923% | 454 |
| Equity capital to assets | 7.5825% | 6,105 |
| Core capital (leverage) ratio | 7.6132% | 6,065 |
| Tier 1 risk-based capital ratio | 15.4425% | 3,130 |
| Total risk-based capital ratio | 16.0821% | 3,390 |
| Memoranda: | ||
| Average total assets | $79,857,330 | 4,982 |
| Average earning assets | $74,063,330 | 4,959 |
| Average equity | $6,087,000 | 5,532 |
| Average total loans | $30,622,000 | 5,450 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3097% | 5,424 |
| Cost of funding earning assets | 0.4326% | 2,948 |
| Net interest margin | 2.8771% | 5,496 |
| Noninterest income to average assets | 0.2963% | 4,801 |
| Noninterest expense to average assets | 2.4002% | 4,591 |
| Loan and lease loss provision to assets | 0.0301% | 3,288 |
| Net operating income to assets | 0.4620% | 4,822 |
| Return on assets (ROA) | 0.4620% | 4,943 |
| Pretax return on assets | 0.5373% | 5,077 |
| Return on Equity (ROE) | 6.0447% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.0447% | 2,474 |
| Net charge-offs to loans | -0.0266% | 5,181 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8799% | 1,773 |
| Assets per employee ($millions) | 4.3594% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7919% | 5,715 |
| Loan loss allowance to noncurrent loans | 1,613.3333% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 5,862 |
| Noncurrent loans to loans | 0.0491% | 5,588 |
| Net loans and leases to total assets | 38.6344% | 5,684 |
| Net loans and leases to deposits | 42.8095% | 5,806 |
| Net loans and leases to core deposits | 45.9452% | 5,757 |
| Total domestic deposits to total assets | 90.2471% | 631 |
| Equity capital to assets | 7.9331% | 6,055 |
| Core capital (leverage) ratio | 7.5274% | 6,129 |
| Tier 1 risk-based capital ratio | 15.5299% | 3,128 |
| Total risk-based capital ratio | 16.1623% | 3,413 |
| Memoranda: | ||
| Average total assets | $79,660,500 | 5,032 |
| Average earning assets | $73,964,000 | 5,003 |
| Average equity | $6,088,000 | 5,578 |
| Average total loans | $30,051,000 | 5,506 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 5,808 |
| Cost of funding earning assets | 0.4881% | 2,795 |
| Net interest margin | 2.7343% | 5,892 |
| Noninterest income to average assets | 0.3785% | 4,359 |
| Noninterest expense to average assets | 2.3745% | 4,908 |
| Loan and lease loss provision to assets | 0.0101% | 4,420 |
| Net operating income to assets | 0.4240% | 5,135 |
| Return on assets (ROA) | 0.4240% | 5,211 |
| Pretax return on assets | 0.4683% | 5,330 |
| Return on Equity (ROE) | 5.8493% | 4,229 |
| Retained earnings to average equity (ytd only) | 2.5318% | 4,435 |
| Net charge-offs to loans | 0.0549% | 3,735 |
| Credit loss provision to net charge-offs | 53.3333% | 3,417 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 1,505 |
| Efficiency ratio | 83.2298% | 1,492 |
| Assets per employee ($millions) | 4.4918% | 3,055 |
| Cash dividends to net income (ytd only)* | 56.7164% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 5,797 |
| Loan loss allowance to noncurrent loans | 396.6102% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 5,734 |
| Noncurrent loans to loans | 0.1997% | 5,106 |
| Net loans and leases to total assets | 36.2514% | 5,940 |
| Net loans and leases to deposits | 39.1672% | 6,060 |
| Net loans and leases to core deposits | 42.1436% | 6,034 |
| Total domestic deposits to total assets | 92.5555% | 93 |
| Equity capital to assets | 7.3604% | 6,271 |
| Core capital (leverage) ratio | 7.2193% | 6,267 |
| Tier 1 risk-based capital ratio | 15.5948% | 3,189 |
| Total risk-based capital ratio | 16.2184% | 3,439 |
| Memoranda: | ||
| Average total assets | $79,006,200 | 5,093 |
| Average earning assets | $71,498,000 | 5,093 |
| Average equity | $5,727,200 | 5,686 |
| Average total loans | $27,345,600 | 5,679 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2515% | 5,839 |
| Cost of funding earning assets | 0.4983% | 2,789 |
| Net interest margin | 2.7531% | 5,933 |
| Noninterest income to average assets | 0.3735% | 4,441 |
| Noninterest expense to average assets | 2.3748% | 4,897 |
| Loan and lease loss provision to assets | 0.0034% | 4,341 |
| Net operating income to assets | 0.4295% | 5,146 |
| Return on assets (ROA) | 0.4295% | 5,219 |
| Pretax return on assets | 0.4804% | 5,381 |
| Return on Equity (ROE) | 5.9479% | 4,265 |
| Retained earnings to average equity (ytd only) | 3.8321% | 3,924 |
| Net charge-offs to loans | 0.0697% | 3,203 |
| Credit loss provision to net charge-offs | 14.2857% | 3,642 |
| Earnings coverage of net charge-offs (x) | 20.3530% | 1,741 |
| Efficiency ratio | 83.0760% | 1,483 |
| Assets per employee ($millions) | 4.5706% | 2,855 |
| Cash dividends to net income (ytd only)* | 35.5745% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 5,862 |
| Loan loss allowance to noncurrent loans | 1,272.2222% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 5,917 |
| Noncurrent loans to loans | 0.0632% | 5,761 |
| Net loans and leases to total assets | 34.3333% | 6,101 |
| Net loans and leases to deposits | 37.0235% | 6,213 |
| Net loans and leases to core deposits | 40.2697% | 6,170 |
| Total domestic deposits to total assets | 92.7337% | 96 |
| Equity capital to assets | 7.1849% | 6,357 |
| Core capital (leverage) ratio | 7.1561% | 6,362 |
| Tier 1 risk-based capital ratio | 15.7606% | 3,179 |
| Total risk-based capital ratio | 16.3757% | 3,456 |
| Memoranda: | ||
| Average total assets | $78,544,750 | 5,157 |
| Average earning assets | $70,899,750 | 5,160 |
| Average equity | $5,671,250 | 5,752 |
| Average total loans | $26,796,000 | 5,763 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2442% | 5,880 |
| Cost of funding earning assets | 0.5013% | 2,821 |
| Net interest margin | 2.7429% | 5,999 |
| Noninterest income to average assets | 0.4010% | 4,243 |
| Noninterest expense to average assets | 2.4035% | 4,868 |
| Loan and lease loss provision to assets | 0.0052% | 4,126 |
| Net operating income to assets | 0.4321% | 5,088 |
| Return on assets (ROA) | 0.4321% | 5,174 |
| Pretax return on assets | 0.4838% | 5,320 |
| Return on Equity (ROE) | 5.9735% | 4,163 |
| Retained earnings to average equity (ytd only) | 2.7543% | 4,448 |
| Net charge-offs to loans | 0.1067% | 2,613 |
| Credit loss provision to net charge-offs | 14.2857% | 3,263 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,972 |
| Efficiency ratio | 83.0948% | 1,619 |
| Assets per employee ($millions) | 4.3690% | 3,140 |
| Cash dividends to net income (ytd only)* | 53.8922% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 5,815 |
| Loan loss allowance to noncurrent loans | 1,145.0000% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 5,989 |
| Noncurrent loans to loans | 0.0759% | 5,794 |
| Net loans and leases to total assets | 33.2036% | 6,191 |
| Net loans and leases to deposits | 35.8519% | 6,294 |
| Net loans and leases to core deposits | 39.1173% | 6,240 |
| Total domestic deposits to total assets | 92.6134% | 109 |
| Equity capital to assets | 7.3383% | 6,384 |
| Core capital (leverage) ratio | 7.5685% | 6,290 |
| Tier 1 risk-based capital ratio | 16.2325% | 2,965 |
| Total risk-based capital ratio | 16.8753% | 3,227 |
| Memoranda: | ||
| Average total assets | $77,303,000 | 5,219 |
| Average earning assets | $70,217,330 | 5,215 |
| Average equity | $5,591,330 | 5,808 |
| Average total loans | $26,236,330 | 5,834 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2386% | 5,949 |
| Cost of funding earning assets | 0.4961% | 2,948 |
| Net interest margin | 2.7426% | 6,040 |
| Noninterest income to average assets | 0.3967% | 4,215 |
| Noninterest expense to average assets | 2.5263% | 4,533 |
| Loan and lease loss provision to assets | 0.0104% | 3,694 |
| Net operating income to assets | 0.3393% | 5,358 |
| Return on assets (ROA) | 0.3393% | 5,412 |
| Pretax return on assets | 0.3706% | 5,542 |
| Return on Equity (ROE) | 4.7260% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.7260% | 3,279 |
| Net charge-offs to loans | 0.2139% | 1,472 |
| Credit loss provision to net charge-offs | 14.2857% | 2,568 |
| Earnings coverage of net charge-offs (x) | 5.2143% | 2,407 |
| Efficiency ratio | 86.8941% | 1,350 |
| Assets per employee ($millions) | 4.2001% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 5,952 |
| Loan loss allowance to noncurrent loans | 1,090.4762% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 6,075 |
| Noncurrent loans to loans | 0.0795% | 5,900 |
| Net loans and leases to total assets | 34.6261% | 6,149 |
| Net loans and leases to deposits | 38.1359% | 6,241 |
| Net loans and leases to core deposits | 41.6039% | 6,171 |
| Total domestic deposits to total assets | 90.7965% | 643 |
| Equity capital to assets | 7.4284% | 6,333 |
| Core capital (leverage) ratio | 7.5837% | 6,310 |
| Tier 1 risk-based capital ratio | 16.1635% | 3,077 |
| Total risk-based capital ratio | 16.8048% | 3,376 |
| Memoranda: | ||
| Average total assets | $76,633,500 | 5,286 |
| Average earning assets | $70,153,000 | 5,271 |
| Average equity | $5,501,500 | 5,865 |
| Average total loans | $26,184,000 | 5,886 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3181% | 5,976 |
| Cost of funding earning assets | 0.5677% | 2,946 |
| Net interest margin | 2.7503% | 6,064 |
| Noninterest income to average assets | 0.4459% | 4,116 |
| Noninterest expense to average assets | 2.4529% | 4,920 |
| Loan and lease loss provision to assets | 0.0312% | 4,490 |
| Net operating income to assets | 0.4231% | 5,065 |
| Return on assets (ROA) | 0.5226% | 4,760 |
| Pretax return on assets | 0.5862% | 4,910 |
| Return on Equity (ROE) | 7.1198% | 3,501 |
| Retained earnings to average equity (ytd only) | 3.2234% | 3,934 |
| Net charge-offs to loans | 0.0159% | 5,123 |
| Credit loss provision to net charge-offs | 600.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 97.2500% | 472 |
| Efficiency ratio | 82.9086% | 1,763 |
| Assets per employee ($millions) | 4.3147% | 3,242 |
| Cash dividends to net income (ytd only)* | 54.7264% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 5,827 |
| Loan loss allowance to noncurrent loans | 482.0000% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 6,033 |
| Noncurrent loans to loans | 0.1926% | 5,615 |
| Net loans and leases to total assets | 33.1166% | 6,330 |
| Net loans and leases to deposits | 35.6312% | 6,435 |
| Net loans and leases to core deposits | 38.9756% | 6,393 |
| Total domestic deposits to total assets | 92.9428% | 140 |
| Equity capital to assets | 6.9362% | 6,471 |
| Core capital (leverage) ratio | 7.4830% | 6,378 |
| Tier 1 risk-based capital ratio | 16.0588% | 3,074 |
| Total risk-based capital ratio | 16.7370% | 3,335 |
| Memoranda: | ||
| Average total assets | $76,930,400 | 5,307 |
| Average earning assets | $70,282,200 | 5,304 |
| Average equity | $5,646,200 | 5,895 |
| Average total loans | $25,123,400 | 5,981 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3209% | 6,026 |
| Cost of funding earning assets | 0.5828% | 2,971 |
| Net interest margin | 2.7381% | 6,105 |
| Noninterest income to average assets | 0.4031% | 4,516 |
| Noninterest expense to average assets | 2.3957% | 5,038 |
| Loan and lease loss provision to assets | 0.0313% | 4,381 |
| Net operating income to assets | 0.3987% | 5,248 |
| Return on assets (ROA) | 0.5212% | 4,863 |
| Pretax return on assets | 0.6393% | 4,887 |
| Return on Equity (ROE) | 7.0039% | 3,644 |
| Retained earnings to average equity (ytd only) | 4.6692% | 3,345 |
| Net charge-offs to loans | 0.0214% | 4,700 |
| Credit loss provision to net charge-offs | 450.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 75.0450% | 630 |
| Efficiency ratio | 82.1322% | 1,810 |
| Assets per employee ($millions) | 4.2471% | 3,335 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 6,033 |
| Loan loss allowance to noncurrent loans | 297.4684% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 6,120 |
| Noncurrent loans to loans | 0.3057% | 5,464 |
| Net loans and leases to total assets | 33.4951% | 6,389 |
| Net loans and leases to deposits | 36.1335% | 6,503 |
| Net loans and leases to core deposits | 39.1194% | 6,477 |
| Total domestic deposits to total assets | 92.6982% | 150 |
| Equity capital to assets | 7.1723% | 6,501 |
| Core capital (leverage) ratio | 7.5863% | 6,416 |
| Tier 1 risk-based capital ratio | 16.1722% | 3,094 |
| Total risk-based capital ratio | 16.8362% | 3,381 |
| Memoranda: | ||
| Average total assets | $76,746,750 | 5,363 |
| Average earning assets | $70,461,000 | 5,354 |
| Average equity | $5,711,000 | 5,944 |
| Average total loans | $24,914,000 | 6,043 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2764% | 6,121 |
| Cost of funding earning assets | 0.6001% | 2,934 |
| Net interest margin | 2.6763% | 6,215 |
| Noninterest income to average assets | 0.4008% | 4,524 |
| Noninterest expense to average assets | 2.3736% | 5,125 |
| Loan and lease loss provision to assets | 0.0312% | 4,305 |
| Net operating income to assets | 0.3712% | 5,330 |
| Return on assets (ROA) | 0.5570% | 4,689 |
| Pretax return on assets | 0.6689% | 4,782 |
| Return on Equity (ROE) | 7.3959% | 3,399 |
| Retained earnings to average equity (ytd only) | 3.9399% | 3,788 |
| Net charge-offs to loans | 0.0325% | 4,232 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 45.7500% | 844 |
| Efficiency ratio | 83.2877% | 1,718 |
| Assets per employee ($millions) | 4.2304% | 3,293 |
| Cash dividends to net income (ytd only)* | 46.7290% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 6,080 |
| Loan loss allowance to noncurrent loans | 424.0741% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 6,071 |
| Noncurrent loans to loans | 0.2168% | 5,759 |
| Net loans and leases to total assets | 32.4040% | 6,490 |
| Net loans and leases to deposits | 34.9227% | 6,580 |
| Net loans and leases to core deposits | 37.7929% | 6,547 |
| Total domestic deposits to total assets | 92.7877% | 146 |
| Equity capital to assets | 7.1217% | 6,571 |
| Core capital (leverage) ratio | 7.3913% | 6,496 |
| Tier 1 risk-based capital ratio | 16.3472% | 3,009 |
| Total risk-based capital ratio | 17.0112% | 3,281 |
| Memoranda: | ||
| Average total assets | $76,846,670 | 5,395 |
| Average earning assets | $70,320,330 | 5,385 |
| Average equity | $5,787,000 | 5,975 |
| Average total loans | $24,605,000 | 6,090 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2578% | 6,227 |
| Cost of funding earning assets | 0.6119% | 2,993 |
| Net interest margin | 2.6459% | 6,300 |
| Noninterest income to average assets | 0.3213% | 5,129 |
| Noninterest expense to average assets | 2.3628% | 5,223 |
| Loan and lease loss provision to assets | 0.0311% | 4,064 |
| Net operating income to assets | 0.2912% | 5,597 |
| Return on assets (ROA) | 0.4871% | 4,894 |
| Pretax return on assets | 0.5803% | 5,022 |
| Return on Equity (ROE) | 6.2992% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.2992% | 2,508 |
| Net charge-offs to loans | 0.0491% | 3,340 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,085 |
| Efficiency ratio | 86.2004% | 1,487 |
| Assets per employee ($millions) | 4.2358% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 6,241 |
| Loan loss allowance to noncurrent loans | 678.7879% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 6,166 |
| Noncurrent loans to loans | 0.1338% | 6,068 |
| Net loans and leases to total assets | 32.0624% | 6,512 |
| Net loans and leases to deposits | 34.9114% | 6,604 |
| Net loans and leases to core deposits | 38.4607% | 6,547 |
| Total domestic deposits to total assets | 91.8395% | 276 |
| Equity capital to assets | 7.8563% | 6,449 |
| Core capital (leverage) ratio | 7.2414% | 6,566 |
| Tier 1 risk-based capital ratio | 16.2694% | 3,120 |
| Total risk-based capital ratio | 16.9182% | 3,404 |
| Memoranda: | ||
| Average total assets | $77,196,000 | 5,432 |
| Average earning assets | $70,599,500 | 5,423 |
| Average equity | $5,969,000 | 5,994 |
| Average total loans | $24,455,500 | 6,154 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 6,484 |
| Cost of funding earning assets | 0.7819% | 2,812 |
| Net interest margin | 2.6191% | 6,617 |
| Noninterest income to average assets | 0.4933% | 3,944 |
| Noninterest expense to average assets | 2.4637% | 5,213 |
| Loan and lease loss provision to assets | 0.0317% | 5,498 |
| Net operating income to assets | 0.3382% | 5,334 |
| Return on assets (ROA) | 0.5407% | 4,772 |
| Pretax return on assets | 0.6542% | 4,813 |
| Return on Equity (ROE) | 6.8539% | 3,728 |
| Retained earnings to average equity (ytd only) | 3.1762% | 3,991 |
| Net charge-offs to loans | -0.0082% | 6,438 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7935% | 1,536 |
| Assets per employee ($millions) | 4.3415% | 3,275 |
| Cash dividends to net income (ytd only)* | 53.6585% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 6,243 |
| Loan loss allowance to noncurrent loans | 263.0952% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 6,225 |
| Noncurrent loans to loans | 0.3465% | 5,618 |
| Net loans and leases to total assets | 30.7369% | 6,675 |
| Net loans and leases to deposits | 33.4005% | 6,745 |
| Net loans and leases to core deposits | 36.6488% | 6,711 |
| Total domestic deposits to total assets | 92.0253% | 242 |
| Equity capital to assets | 7.6113% | 6,589 |
| Core capital (leverage) ratio | 7.2572% | 6,609 |
| Tier 1 risk-based capital ratio | 16.2739% | 3,012 |
| Total risk-based capital ratio | 16.9249% | 3,289 |
| Memoranda: | ||
| Average total assets | $75,821,600 | 5,462 |
| Average earning assets | $69,832,000 | 5,437 |
| Average equity | $5,982,000 | 6,030 |
| Average total loans | $24,333,000 | 6,229 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4312% | 6,588 |
| Cost of funding earning assets | 0.8277% | 2,725 |
| Net interest margin | 2.6035% | 6,754 |
| Noninterest income to average assets | 0.5033% | 3,910 |
| Noninterest expense to average assets | 2.4756% | 5,163 |
| Loan and lease loss provision to assets | 0.0319% | 5,379 |
| Net operating income to assets | 0.3118% | 5,575 |
| Return on assets (ROA) | 0.5546% | 4,861 |
| Pretax return on assets | 0.7248% | 4,772 |
| Return on Equity (ROE) | 6.9664% | 3,839 |
| Retained earnings to average equity (ytd only) | 4.7407% | 3,567 |
| Net charge-offs to loans | -0.0055% | 6,281 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8724% | 1,487 |
| Assets per employee ($millions) | 4.2209% | 3,427 |
| Cash dividends to net income (ytd only)* | 31.9491% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,347 |
| Loan loss allowance to noncurrent loans | 419.6078% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 6,489 |
| Noncurrent loans to loans | 0.2175% | 6,067 |
| Net loans and leases to total assets | 30.5750% | 6,792 |
| Net loans and leases to deposits | 33.4331% | 6,879 |
| Net loans and leases to core deposits | 36.5389% | 6,844 |
| Total domestic deposits to total assets | 91.4514% | 298 |
| Equity capital to assets | 8.0182% | 6,580 |
| Core capital (leverage) ratio | 7.2288% | 6,738 |
| Tier 1 risk-based capital ratio | 16.8387% | 2,817 |
| Total risk-based capital ratio | 17.4883% | 3,108 |
| Memoranda: | ||
| Average total assets | $75,240,250 | 5,544 |
| Average earning assets | $69,750,500 | 5,497 |
| Average equity | $5,990,500 | 6,094 |
| Average total loans | $24,356,000 | 6,311 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4874% | 6,620 |
| Cost of funding earning assets | 0.8711% | 2,652 |
| Net interest margin | 2.6162% | 6,807 |
| Noninterest income to average assets | 0.4880% | 4,002 |
| Noninterest expense to average assets | 2.4695% | 5,238 |
| Loan and lease loss provision to assets | 0.0320% | 5,270 |
| Net operating income to assets | 0.3220% | 5,533 |
| Return on assets (ROA) | 0.6000% | 4,624 |
| Pretax return on assets | 0.8001% | 4,472 |
| Return on Equity (ROE) | 7.5546% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.1970% | 3,817 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2584% | 1,600 |
| Assets per employee ($millions) | 4.1492% | 3,568 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 6,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 6,755 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 32.7174% | 6,784 |
| Net loans and leases to deposits | 35.8038% | 6,882 |
| Net loans and leases to core deposits | 39.1354% | 6,825 |
| Total domestic deposits to total assets | 91.3798% | 333 |
| Equity capital to assets | 8.0819% | 6,525 |
| Core capital (leverage) ratio | 7.1878% | 6,757 |
| Tier 1 risk-based capital ratio | 16.7547% | 2,782 |
| Total risk-based capital ratio | 17.3901% | 3,065 |
| Memoranda: | ||
| Average total assets | $74,994,670 | 5,578 |
| Average earning assets | $70,024,000 | 5,519 |
| Average equity | $5,956,670 | 6,130 |
| Average total loans | $24,660,000 | 6,335 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 6,551 |
| Cost of funding earning assets | 0.9283% | 2,455 |
| Net interest margin | 2.6938% | 6,777 |
| Noninterest income to average assets | 0.4578% | 4,243 |
| Noninterest expense to average assets | 2.5709% | 4,924 |
| Loan and lease loss provision to assets | 0.0319% | 4,970 |
| Net operating income to assets | 0.2597% | 5,783 |
| Return on assets (ROA) | 0.6600% | 4,289 |
| Pretax return on assets | 0.9528% | 3,853 |
| Return on Equity (ROE) | 8.3826% | 3,106 |
| Retained earnings to average equity (ytd only) | 8.3826% | 1,827 |
| Net charge-offs to loans | -0.0162% | 6,109 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4043% | 1,443 |
| Assets per employee ($millions) | 4.2263% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 6,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 6,829 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 32.5451% | 6,799 |
| Net loans and leases to deposits | 35.4207% | 6,907 |
| Net loans and leases to core deposits | 38.9933% | 6,849 |
| Total domestic deposits to total assets | 91.8815% | 289 |
| Equity capital to assets | 7.7202% | 6,681 |
| Core capital (leverage) ratio | 7.1543% | 6,780 |
| Tier 1 risk-based capital ratio | 17.2160% | 2,597 |
| Total risk-based capital ratio | 17.8532% | 2,820 |
| Memoranda: | ||
| Average total assets | $75,149,500 | 5,614 |
| Average earning assets | $70,236,500 | 5,553 |
| Average equity | $5,917,000 | 6,166 |
| Average total loans | $24,669,000 | 6,391 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 6,387 |
| Cost of funding earning assets | 1.1324% | 2,449 |
| Net interest margin | 2.9049% | 6,680 |
| Noninterest income to average assets | 0.4185% | 4,465 |
| Noninterest expense to average assets | 2.5791% | 5,174 |
| Loan and lease loss provision to assets | 0.0334% | 6,145 |
| Net operating income to assets | 0.4359% | 4,710 |
| Return on assets (ROA) | 0.5422% | 4,454 |
| Pretax return on assets | 0.6382% | 4,564 |
| Return on Equity (ROE) | 6.8633% | 3,457 |
| Retained earnings to average equity (ytd only) | 2.9917% | 4,100 |
| Net charge-offs to loans | 0.2924% | 3,945 |
| Credit loss provision to net charge-offs | 33.3333% | 5,737 |
| Earnings coverage of net charge-offs (x) | 5.4583% | 2,788 |
| Efficiency ratio | 82.5178% | 1,951 |
| Assets per employee ($millions) | 4.1237% | 3,604 |
| Cash dividends to net income (ytd only)* | 56.4103% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 6,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 6,786 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 32.5802% | 6,927 |
| Net loans and leases to deposits | 35.6298% | 7,011 |
| Net loans and leases to core deposits | 38.6477% | 6,980 |
| Total domestic deposits to total assets | 91.4410% | 346 |
| Equity capital to assets | 8.0309% | 6,552 |
| Core capital (leverage) ratio | 7.3038% | 6,745 |
| Tier 1 risk-based capital ratio | 17.5046% | 2,381 |
| Total risk-based capital ratio | 18.1445% | 2,613 |
| Memoranda: | ||
| Average total assets | $71,924,000 | 5,694 |
| Average earning assets | $67,024,400 | 5,641 |
| Average equity | $5,682,400 | 6,239 |
| Average total loans | $24,624,000 | 6,438 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 6,446 |
| Cost of funding earning assets | 1.1763% | 2,475 |
| Net interest margin | 2.9076% | 6,738 |
| Noninterest income to average assets | 0.4765% | 4,072 |
| Noninterest expense to average assets | 2.6181% | 5,010 |
| Loan and lease loss provision to assets | 0.0449% | 5,881 |
| Net operating income to assets | 0.4547% | 4,750 |
| Return on assets (ROA) | 0.5588% | 4,446 |
| Pretax return on assets | 0.6447% | 4,671 |
| Return on Equity (ROE) | 7.1028% | 3,476 |
| Retained earnings to average equity (ytd only) | 4.7273% | 3,358 |
| Net charge-offs to loans | 0.3889% | 3,168 |
| Credit loss provision to net charge-offs | 33.3333% | 5,367 |
| Earnings coverage of net charge-offs (x) | 4.2360% | 3,131 |
| Efficiency ratio | 82.1219% | 1,955 |
| Assets per employee ($millions) | 4.0400% | 3,758 |
| Cash dividends to net income (ytd only)* | 33.4445% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 6,852 |
| Loan loss allowance to noncurrent loans | 1,147.0588% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 6,771 |
| Noncurrent loans to loans | 0.0681% | 6,758 |
| Net loans and leases to total assets | 34.0484% | 6,949 |
| Net loans and leases to deposits | 37.3381% | 7,052 |
| Net loans and leases to core deposits | 40.5862% | 7,021 |
| Total domestic deposits to total assets | 91.1895% | 382 |
| Equity capital to assets | 8.2605% | 6,518 |
| Core capital (leverage) ratio | 7.4739% | 6,777 |
| Tier 1 risk-based capital ratio | 17.7722% | 2,344 |
| Total risk-based capital ratio | 18.4183% | 2,540 |
| Memoranda: | ||
| Average total assets | $71,348,500 | 5,748 |
| Average earning assets | $66,536,250 | 5,693 |
| Average equity | $5,612,750 | 6,300 |
| Average total loans | $24,685,500 | 6,498 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 6,387 |
| Cost of funding earning assets | 1.2176% | 2,458 |
| Net interest margin | 2.9319% | 6,733 |
| Noninterest income to average assets | 0.4824% | 4,001 |
| Noninterest expense to average assets | 2.6378% | 5,043 |
| Loan and lease loss provision to assets | 0.0677% | 5,461 |
| Net operating income to assets | 0.4448% | 4,745 |
| Return on assets (ROA) | 0.6037% | 4,186 |
| Pretax return on assets | 0.6884% | 4,423 |
| Return on Equity (ROE) | 7.8083% | 3,036 |
| Retained earnings to average equity (ytd only) | 4.1596% | 3,547 |
| Net charge-offs to loans | 0.5855% | 2,356 |
| Credit loss provision to net charge-offs | 33.3333% | 4,934 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,427 |
| Efficiency ratio | 82.0896% | 2,089 |
| Assets per employee ($millions) | 3.8896% | 4,014 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 6,852 |
| Loan loss allowance to noncurrent loans | 1,147.0588% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 6,612 |
| Noncurrent loans to loans | 0.0705% | 6,804 |
| Net loans and leases to total assets | 34.1794% | 7,039 |
| Net loans and leases to deposits | 37.3836% | 7,137 |
| Net loans and leases to core deposits | 41.2515% | 7,091 |
| Total domestic deposits to total assets | 91.4287% | 360 |
| Equity capital to assets | 8.1956% | 6,519 |
| Core capital (leverage) ratio | 7.5953% | 6,674 |
| Tier 1 risk-based capital ratio | 18.0346% | 2,161 |
| Total risk-based capital ratio | 18.7009% | 2,328 |
| Memoranda: | ||
| Average total assets | $70,891,330 | 5,800 |
| Average earning assets | $66,031,330 | 5,754 |
| Average equity | $5,481,330 | 6,372 |
| Average total loans | $24,595,670 | 6,557 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 6,360 |
| Cost of funding earning assets | 1.2762% | 2,330 |
| Net interest margin | 2.8894% | 6,779 |
| Noninterest income to average assets | 0.4374% | 4,388 |
| Noninterest expense to average assets | 2.5347% | 5,434 |
| Loan and lease loss provision to assets | 0.0673% | 5,152 |
| Net operating income to assets | 0.4658% | 4,642 |
| Return on assets (ROA) | 0.6505% | 3,822 |
| Pretax return on assets | 0.7346% | 4,167 |
| Return on Equity (ROE) | 8.6680% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.6680% | 1,502 |
| Net charge-offs to loans | 1.1598% | 1,197 |
| Credit loss provision to net charge-offs | 16.6667% | 4,299 |
| Earnings coverage of net charge-offs (x) | 1.4722% | 3,605 |
| Efficiency ratio | 81.0036% | 2,370 |
| Assets per employee ($millions) | 3.8812% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 7,007 |
| Loan loss allowance to noncurrent loans | 351.9231% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 6,721 |
| Noncurrent loans to loans | 0.2126% | 6,545 |
| Net loans and leases to total assets | 34.7413% | 7,061 |
| Net loans and leases to deposits | 38.7326% | 7,148 |
| Net loans and leases to core deposits | 41.8336% | 7,115 |
| Total domestic deposits to total assets | 89.6954% | 1,359 |
| Equity capital to assets | 7.8040% | 6,676 |
| Core capital (leverage) ratio | 7.5049% | 6,724 |
| Tier 1 risk-based capital ratio | 18.0033% | 2,115 |
| Total risk-based capital ratio | 18.6273% | 2,318 |
| Memoranda: | ||
| Average total assets | $71,330,500 | 5,837 |
| Average earning assets | $66,449,000 | 5,788 |
| Average equity | $5,353,000 | 6,435 |
| Average total loans | $24,831,000 | 6,594 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 5,755 |
| Cost of funding earning assets | 1.6135% | 1,990 |
| Net interest margin | 3.1016% | 6,517 |
| Noninterest income to average assets | 0.3790% | 5,071 |
| Noninterest expense to average assets | 2.6472% | 5,229 |
| Loan and lease loss provision to assets | 0.0334% | 6,810 |
| Net operating income to assets | 0.4439% | 4,346 |
| Return on assets (ROA) | 0.5699% | 3,963 |
| Pretax return on assets | 0.7161% | 3,915 |
| Return on Equity (ROE) | 7.4780% | 2,904 |
| Retained earnings to average equity (ytd only) | 3.0899% | 3,696 |
| Net charge-offs to loans | 0.0349% | 6,453 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 47.2222% | 488 |
| Efficiency ratio | 81.7204% | 2,201 |
| Assets per employee ($millions) | 4.0444% | 3,694 |
| Cash dividends to net income (ytd only)* | 58.6797% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 6,517 |
| Loan loss allowance to noncurrent loans | 110.4545% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 6,274 |
| Noncurrent loans to loans | 0.8727% | 5,319 |
| Net loans and leases to total assets | 34.2931% | 7,214 |
| Net loans and leases to deposits | 37.0082% | 7,327 |
| Net loans and leases to core deposits | 41.6980% | 7,266 |
| Total domestic deposits to total assets | 92.6634% | 169 |
| Equity capital to assets | 7.2171% | 7,029 |
| Core capital (leverage) ratio | 7.1482% | 6,942 |
| Tier 1 risk-based capital ratio | 16.9367% | 2,366 |
| Total risk-based capital ratio | 17.7337% | 2,497 |
| Memoranda: | ||
| Average total assets | $71,773,200 | 5,821 |
| Average earning assets | $66,192,200 | 5,791 |
| Average equity | $5,469,400 | 6,514 |
| Average total loans | $25,824,400 | 6,621 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 5,629 |
| Cost of funding earning assets | 1.6653% | 2,027 |
| Net interest margin | 3.1419% | 6,502 |
| Noninterest income to average assets | 0.3319% | 5,507 |
| Noninterest expense to average assets | 2.5653% | 5,447 |
| Loan and lease loss provision to assets | 0.0373% | 6,709 |
| Net operating income to assets | 0.4719% | 4,433 |
| Return on assets (ROA) | 0.6227% | 3,952 |
| Pretax return on assets | 0.8128% | 3,857 |
| Return on Equity (ROE) | 8.0626% | 2,874 |
| Retained earnings to average equity (ytd only) | 5.1660% | 2,863 |
| Net charge-offs to loans | 0.0411% | 6,134 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 43.8604% | 639 |
| Efficiency ratio | 79.6757% | 2,392 |
| Assets per employee ($millions) | 3.8309% | 4,193 |
| Cash dividends to net income (ytd only)* | 35.9292% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 6,642 |
| Loan loss allowance to noncurrent loans | 108.6364% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 6,422 |
| Noncurrent loans to loans | 0.8565% | 5,510 |
| Net loans and leases to total assets | 34.9604% | 7,310 |
| Net loans and leases to deposits | 38.2363% | 7,416 |
| Net loans and leases to core deposits | 43.6409% | 7,333 |
| Total domestic deposits to total assets | 91.4327% | 324 |
| Equity capital to assets | 7.9670% | 6,824 |
| Core capital (leverage) ratio | 7.1899% | 7,064 |
| Tier 1 risk-based capital ratio | 16.8282% | 2,397 |
| Total risk-based capital ratio | 17.6003% | 2,569 |
| Memoranda: | ||
| Average total assets | $71,516,750 | 5,902 |
| Average earning assets | $65,733,750 | 5,869 |
| Average equity | $5,523,250 | 6,584 |
| Average total loans | $25,978,500 | 6,702 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 5,347 |
| Cost of funding earning assets | 1.6895% | 2,170 |
| Net interest margin | 3.2198% | 6,255 |
| Noninterest income to average assets | 0.4135% | 4,802 |
| Noninterest expense to average assets | 2.6050% | 5,307 |
| Loan and lease loss provision to assets | 0.0563% | 6,396 |
| Net operating income to assets | 0.5310% | 4,190 |
| Return on assets (ROA) | 0.6892% | 3,598 |
| Pretax return on assets | 0.9255% | 3,401 |
| Return on Equity (ROE) | 9.0217% | 2,454 |
| Retained earnings to average equity (ytd only) | 4.6029% | 3,142 |
| Net charge-offs to loans | 0.0690% | 5,451 |
| Credit loss provision to net charge-offs | 222.2222% | 1,750 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 910 |
| Efficiency ratio | 77.2310% | 2,854 |
| Assets per employee ($millions) | 3.7427% | 4,364 |
| Cash dividends to net income (ytd only)* | 48.9796% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 6,644 |
| Loan loss allowance to noncurrent loans | 142.2619% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 6,398 |
| Noncurrent loans to loans | 0.6569% | 5,938 |
| Net loans and leases to total assets | 35.6283% | 7,364 |
| Net loans and leases to deposits | 38.8702% | 7,469 |
| Net loans and leases to core deposits | 43.5806% | 7,416 |
| Total domestic deposits to total assets | 91.6596% | 303 |
| Equity capital to assets | 7.8580% | 6,879 |
| Core capital (leverage) ratio | 7.2319% | 7,048 |
| Tier 1 risk-based capital ratio | 16.8294% | 2,348 |
| Total risk-based capital ratio | 17.6150% | 2,473 |
| Memoranda: | ||
| Average total assets | $71,093,000 | 5,944 |
| Average earning assets | $65,344,670 | 5,914 |
| Average equity | $5,431,330 | 6,640 |
| Average total loans | $26,076,000 | 6,742 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 5,396 |
| Cost of funding earning assets | 1.7255% | 2,265 |
| Net interest margin | 3.1880% | 6,325 |
| Noninterest income to average assets | 0.4052% | 4,877 |
| Noninterest expense to average assets | 2.5266% | 5,629 |
| Loan and lease loss provision to assets | 0.0675% | 5,959 |
| Net operating income to assets | 0.5772% | 3,996 |
| Return on assets (ROA) | 0.7484% | 3,325 |
| Pretax return on assets | 0.9622% | 3,227 |
| Return on Equity (ROE) | 9.9384% | 2,126 |
| Retained earnings to average equity (ytd only) | 9.9384% | 1,155 |
| Net charge-offs to loans | 0.1519% | 4,022 |
| Credit loss provision to net charge-offs | 120.0000% | 2,902 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 1,433 |
| Efficiency ratio | 75.7167% | 3,271 |
| Assets per employee ($millions) | 3.7793% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 6,932 |
| Loan loss allowance to noncurrent loans | 102.6786% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 6,064 |
| Noncurrent loans to loans | 0.8464% | 5,625 |
| Net loans and leases to total assets | 36.5340% | 7,410 |
| Net loans and leases to deposits | 40.9350% | 7,490 |
| Net loans and leases to core deposits | 45.4371% | 7,447 |
| Total domestic deposits to total assets | 89.2490% | 1,398 |
| Equity capital to assets | 7.5160% | 7,060 |
| Core capital (leverage) ratio | 7.2563% | 7,064 |
| Tier 1 risk-based capital ratio | 16.2592% | 2,536 |
| Total risk-based capital ratio | 16.9885% | 2,705 |
| Memoranda: | ||
| Average total assets | $71,083,500 | 6,020 |
| Average earning assets | $65,371,000 | 5,982 |
| Average equity | $5,353,000 | 6,722 |
| Average total loans | $26,326,500 | 6,816 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4781% | 4,271 |
| Cost of funding earning assets | 2.0785% | 2,579 |
| Net interest margin | 3.3996% | 5,370 |
| Noninterest income to average assets | 0.4800% | 4,567 |
| Noninterest expense to average assets | 2.7897% | 5,016 |
| Loan and lease loss provision to assets | 0.1536% | 6,135 |
| Net operating income to assets | 0.5124% | 3,680 |
| Return on assets (ROA) | 0.6291% | 3,283 |
| Pretax return on assets | 0.8255% | 3,165 |
| Return on Equity (ROE) | 8.0006% | 2,370 |
| Retained earnings to average equity (ytd only) | 3.4932% | 2,725 |
| Net charge-offs to loans | 0.4072% | 4,188 |
| Credit loss provision to net charge-offs | 90.4348% | 5,985 |
| Earnings coverage of net charge-offs (x) | 4.8609% | 2,780 |
| Efficiency ratio | 77.1650% | 3,334 |
| Assets per employee ($millions) | 3.7032% | 4,512 |
| Cash dividends to net income (ytd only)* | 56.3380% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 6,921 |
| Loan loss allowance to noncurrent loans | 110.6796% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 6,090 |
| Noncurrent loans to loans | 0.7866% | 5,702 |
| Net loans and leases to total assets | 36.8974% | 7,488 |
| Net loans and leases to deposits | 40.0577% | 7,627 |
| Net loans and leases to core deposits | 51.7605% | 7,535 |
| Total domestic deposits to total assets | 92.1106% | 243 |
| Equity capital to assets | 7.5455% | 6,992 |
| Core capital (leverage) ratio | 7.0833% | 7,165 |
| Tier 1 risk-based capital ratio | 16.1462% | 2,456 |
| Total risk-based capital ratio | 16.8832% | 2,610 |
| Memoranda: | ||
| Average total assets | $67,713,200 | 6,088 |
| Average earning assets | $62,448,800 | 6,048 |
| Average equity | $5,324,600 | 6,831 |
| Average total loans | $28,243,200 | 6,731 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5687% | 4,045 |
| Cost of funding earning assets | 2.1294% | 2,748 |
| Net interest margin | 3.4393% | 5,116 |
| Noninterest income to average assets | 0.4693% | 4,756 |
| Noninterest expense to average assets | 2.7003% | 5,327 |
| Loan and lease loss provision to assets | 0.1591% | 5,760 |
| Net operating income to assets | 0.6335% | 3,483 |
| Return on assets (ROA) | 0.7576% | 3,060 |
| Pretax return on assets | 0.9445% | 3,079 |
| Return on Equity (ROE) | 9.5335% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.5307% | 1,698 |
| Net charge-offs to loans | 0.5471% | 3,045 |
| Credit loss provision to net charge-offs | 67.7966% | 6,026 |
| Earnings coverage of net charge-offs (x) | 4.0423% | 3,287 |
| Efficiency ratio | 74.0054% | 3,862 |
| Assets per employee ($millions) | 3.9354% | 3,859 |
| Cash dividends to net income (ytd only)* | 31.4967% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 7,300 |
| Loan loss allowance to noncurrent loans | 64.6302% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6056% | 5,933 |
| Noncurrent loans to loans | 1.1366% | 5,046 |
| Net loans and leases to total assets | 38.3438% | 7,534 |
| Net loans and leases to deposits | 42.0999% | 7,672 |
| Net loans and leases to core deposits | 54.9682% | 7,575 |
| Total domestic deposits to total assets | 91.0782% | 389 |
| Equity capital to assets | 7.7529% | 7,091 |
| Core capital (leverage) ratio | 7.4546% | 7,030 |
| Tier 1 risk-based capital ratio | 16.1486% | 2,581 |
| Total risk-based capital ratio | 16.7888% | 2,741 |
| Memoranda: | ||
| Average total assets | $67,051,500 | 6,151 |
| Average earning assets | $61,988,250 | 6,107 |
| Average equity | $5,328,500 | 6,897 |
| Average total loans | $28,756,750 | 6,757 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 4,433 |
| Cost of funding earning assets | 2.1711% | 2,929 |
| Net interest margin | 3.3602% | 5,320 |
| Noninterest income to average assets | 0.6597% | 3,269 |
| Noninterest expense to average assets | 2.6934% | 5,408 |
| Loan and lease loss provision to assets | 0.1702% | 5,365 |
| Net operating income to assets | 0.7843% | 2,913 |
| Return on assets (ROA) | 0.7843% | 3,004 |
| Pretax return on assets | 0.9059% | 3,314 |
| Return on Equity (ROE) | 9.7838% | 2,099 |
| Retained earnings to average equity (ytd only) | 5.2332% | 2,378 |
| Net charge-offs to loans | 0.8213% | 2,045 |
| Credit loss provision to net charge-offs | 46.6667% | 5,807 |
| Earnings coverage of net charge-offs (x) | 2.9500% | 3,627 |
| Efficiency ratio | 71.4516% | 4,517 |
| Assets per employee ($millions) | 3.7149% | 4,287 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6201% | 7,597 |
| Loan loss allowance to noncurrent loans | 69.1700% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 6,035 |
| Noncurrent loans to loans | 0.8965% | 5,422 |
| Net loans and leases to total assets | 41.9417% | 7,449 |
| Net loans and leases to deposits | 47.2784% | 7,582 |
| Net loans and leases to core deposits | 61.4842% | 7,396 |
| Total domestic deposits to total assets | 88.7123% | 1,426 |
| Equity capital to assets | 7.8631% | 6,899 |
| Core capital (leverage) ratio | 7.4269% | 7,104 |
| Tier 1 risk-based capital ratio | 15.7915% | 2,696 |
| Total risk-based capital ratio | 16.3501% | 2,914 |
| Memoranda: | ||
| Average total assets | $65,789,330 | 6,234 |
| Average earning assets | $60,890,000 | 6,188 |
| Average equity | $5,274,000 | 6,974 |
| Average total loans | $29,221,330 | 6,776 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5214% | 4,803 |
| Cost of funding earning assets | 2.2059% | 3,137 |
| Net interest margin | 3.3155% | 5,442 |
| Noninterest income to average assets | 0.7356% | 2,680 |
| Noninterest expense to average assets | 2.5931% | 5,481 |
| Loan and lease loss provision to assets | 0.0368% | 6,486 |
| Net operating income to assets | 0.8950% | 2,721 |
| Return on assets (ROA) | 0.8950% | 2,874 |
| Pretax return on assets | 1.2015% | 2,623 |
| Return on Equity (ROE) | 11.0564% | 1,950 |
| Retained earnings to average equity (ytd only) | 11.0564% | 956 |
| Net charge-offs to loans | -0.0135% | 7,346 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6800% | 5,027 |
| Assets per employee ($millions) | 3.4746% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 7,016 |
| Loan loss allowance to noncurrent loans | 55.0336% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 5,465 |
| Noncurrent loans to loans | 1.5239% | 3,999 |
| Net loans and leases to total assets | 44.0577% | 7,334 |
| Net loans and leases to deposits | 48.6974% | 7,551 |
| Net loans and leases to core deposits | 62.4659% | 7,372 |
| Total domestic deposits to total assets | 90.4723% | 606 |
| Equity capital to assets | 8.0084% | 6,795 |
| Core capital (leverage) ratio | 7.5195% | 7,140 |
| Tier 1 risk-based capital ratio | 15.4164% | 2,888 |
| Total risk-based capital ratio | 16.1818% | 3,033 |
| Memoranda: | ||
| Average total assets | $65,249,500 | 6,282 |
| Average earning assets | $60,926,500 | 6,217 |
| Average equity | $5,282,000 | 7,018 |
| Average total loans | $29,721,500 | 6,785 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8565% | 6,251 |
| Cost of funding earning assets | 2.6822% | 3,248 |
| Net interest margin | 3.1743% | 6,451 |
| Noninterest income to average assets | 0.6269% | 3,659 |
| Noninterest expense to average assets | 2.8169% | 4,752 |
| Loan and lease loss provision to assets | 0.0126% | 7,214 |
| Net operating income to assets | 0.5384% | 4,587 |
| Return on assets (ROA) | 0.5384% | 4,433 |
| Pretax return on assets | 0.7406% | 4,280 |
| Return on Equity (ROE) | 6.8623% | 3,597 |
| Retained earnings to average equity (ytd only) | 2.4350% | 3,678 |
| Net charge-offs to loans | -0.0096% | 7,850 |
| Credit loss provision to net charge-offs | -266.6667% | 7,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9031% | 2,771 |
| Assets per employee ($millions) | 3.3937% | 4,962 |
| Cash dividends to net income (ytd only)* | 64.5161% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 7,133 |
| Loan loss allowance to noncurrent loans | 55.7110% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 5,228 |
| Noncurrent loans to loans | 1.4247% | 3,669 |
| Net loans and leases to total assets | 46.3268% | 7,298 |
| Net loans and leases to deposits | 51.1726% | 7,576 |
| Net loans and leases to core deposits | 65.9601% | 7,364 |
| Total domestic deposits to total assets | 90.5305% | 473 |
| Equity capital to assets | 8.1838% | 6,574 |
| Core capital (leverage) ratio | 7.4376% | 7,275 |
| Tier 1 risk-based capital ratio | 15.0094% | 3,045 |
| Total risk-based capital ratio | 15.7553% | 3,214 |
| Memoranda: | ||
| Average total assets | $63,331,000 | 6,259 |
| Average earning assets | $58,721,200 | 6,232 |
| Average equity | $4,969,200 | 7,155 |
| Average total loans | $31,262,800 | 6,638 |