Home > The First National Bank of Eagle Lake > Performance and Condition Ratios
The First National Bank of Eagle Lake, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8447% | 779 |
| Cost of funding earning assets | 0.9186% | 3,478 |
| Net interest margin | 4.9261% | 351 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 3.9588% | 379 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.3776% | 1,256 |
| Return on assets (ROA) | 1.3776% | 1,229 |
| Pretax return on assets | 1.3816% | 1,678 |
| Return on Equity (ROE) | 14.7100% | 1,342 |
| Retained earnings to average equity (ytd only) | 8.0009% | 1,540 |
| Net charge-offs to loans | 0.0575% | 1,279 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 37.8667% | 1,478 |
| Efficiency ratio | 72.3231% | 1,634 |
| Assets per employee ($millions) | 6.0658% | 2,764 |
| Cash dividends to net income (ytd only)* | 45.5954% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 748 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.5000% | 2,200 |
| Net loans and leases to deposits | 79.7089% | 2,140 |
| Net loans and leases to core deposits | 82.7803% | 2,540 |
| Total domestic deposits to total assets | 83.4300% | 2,772 |
| Equity capital to assets | 9.3506% | 2,454 |
| Core capital (leverage) ratio | 9.9929% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $149,969,600 | 3,362 |
| Average earning assets | $138,141,200 | 3,365 |
| Average equity | $14,048,400 | 3,342 |
| Average total loans | $104,289,600 | 3,130 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 811 |
| Cost of funding earning assets | 0.7893% | 3,554 |
| Net interest margin | 4.8922% | 357 |
| Noninterest income to average assets | 1.0400% | 608 |
| Noninterest expense to average assets | 4.2016% | 316 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.1637% | 1,893 |
| Return on assets (ROA) | 1.1637% | 1,876 |
| Pretax return on assets | 1.1682% | 2,366 |
| Return on Equity (ROE) | 12.4200% | 2,025 |
| Retained earnings to average equity (ytd only) | 6.6887% | 2,402 |
| Net charge-offs to loans | 0.0141% | 1,889 |
| Credit loss provision to net charge-offs | 1,818.1818% | 262 |
| Earnings coverage of net charge-offs (x) | 136.0909% | 779 |
| Efficiency ratio | 75.7059% | 1,200 |
| Assets per employee ($millions) | 6.2814% | 2,506 |
| Cash dividends to net income (ytd only)* | 46.1300% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 670 |
| 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 | 66.0700% | 2,237 |
| Net loans and leases to deposits | 78.5895% | 2,187 |
| Net loans and leases to core deposits | 80.8542% | 2,539 |
| Total domestic deposits to total assets | 84.0700% | 2,754 |
| Equity capital to assets | 8.7171% | 2,591 |
| Core capital (leverage) ratio | 10.2380% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $148,034,000 | 3,393 |
| Average earning assets | $136,323,000 | 3,388 |
| Average equity | $13,873,750 | 3,343 |
| Average total loans | $103,700,000 | 3,136 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5536% | 775 |
| Cost of funding earning assets | 0.6546% | 3,617 |
| Net interest margin | 4.8990% | 348 |
| Noninterest income to average assets | 1.2600% | 413 |
| Noninterest expense to average assets | 4.5645% | 265 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.9198% | 2,690 |
| Return on assets (ROA) | 0.9198% | 2,673 |
| Pretax return on assets | 0.9239% | 3,113 |
| Return on Equity (ROE) | 9.5700% | 2,818 |
| Retained earnings to average equity (ytd only) | 5.4825% | 2,793 |
| Net charge-offs to loans | 0.0116% | 1,758 |
| Credit loss provision to net charge-offs | 3,333.3333% | 157 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 768 |
| Efficiency ratio | 79.1866% | 892 |
| Assets per employee ($millions) | 5.3499% | 3,280 |
| Cash dividends to net income (ytd only)* | 42.7286% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7089% | 735 |
| 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 | 72.5100% | 1,464 |
| Net loans and leases to deposits | 83.8436% | 1,682 |
| Net loans and leases to core deposits | 86.0266% | 2,069 |
| Total domestic deposits to total assets | 86.4800% | 2,096 |
| Equity capital to assets | 9.5717% | 2,113 |
| Core capital (leverage) ratio | 10.5499% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $145,033,333 | 3,426 |
| Average earning assets | $133,210,000 | 3,436 |
| Average equity | $13,935,333 | 3,365 |
| Average total loans | $103,075,667 | 3,139 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2777% | 850 |
| Cost of funding earning assets | 0.5215% | 3,625 |
| Net interest margin | 4.7562% | 405 |
| Noninterest income to average assets | 1.8500% | 250 |
| Noninterest expense to average assets | 5.8489% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3661% | 4,141 |
| Return on assets (ROA) | 0.3661% | 4,095 |
| Pretax return on assets | 0.3716% | 4,168 |
| Return on Equity (ROE) | 3.8000% | 4,072 |
| Retained earnings to average equity (ytd only) | 1.2866% | 3,823 |
| Net charge-offs to loans | 0.0079% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 961 |
| Efficiency ratio | 94.0265% | 260 |
| Assets per employee ($millions) | 5.8528% | 2,892 |
| Cash dividends to net income (ytd only)* | 66.1654% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 1,056 |
| 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 | 69.3200% | 1,688 |
| Net loans and leases to deposits | 79.8926% | 1,823 |
| Net loans and leases to core deposits | 80.7911% | 2,193 |
| Total domestic deposits to total assets | 86.7700% | 2,351 |
| Equity capital to assets | 9.5032% | 2,141 |
| Core capital (leverage) ratio | 10.4587% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $145,326,500 | 3,471 |
| Average earning assets | $133,468,000 | 3,479 |
| Average equity | $13,990,000 | 3,388 |
| Average total loans | $101,333,000 | 3,197 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 458 |
| Cost of funding earning assets | 0.2409% | 3,408 |
| Net interest margin | 4.5255% | 280 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 3.7082% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1631% | 1,922 |
| Return on assets (ROA) | 1.1631% | 1,855 |
| Pretax return on assets | 1.1638% | 2,555 |
| Return on Equity (ROE) | 11.9000% | 2,174 |
| Retained earnings to average equity (ytd only) | 6.9659% | 2,258 |
| Net charge-offs to loans | 0.0195% | 1,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 91.8889% | 1,012 |
| Efficiency ratio | 76.1121% | 995 |
| Assets per employee ($millions) | 5.5513% | 3,163 |
| Cash dividends to net income (ytd only)* | 41.4398% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 2,731 |
| 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 | 68.2300% | 1,805 |
| Net loans and leases to deposits | 76.4313% | 2,065 |
| Net loans and leases to core deposits | 76.7900% | 2,365 |
| Total domestic deposits to total assets | 89.2700% | 1,641 |
| Equity capital to assets | 9.7517% | 1,856 |
| Core capital (leverage) ratio | 10.5216% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $142,117,800 | 3,517 |
| Average earning assets | $130,747,200 | 3,523 |
| Average equity | $13,896,200 | 3,480 |
| Average total loans | $92,156,800 | 3,261 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 459 |
| Cost of funding earning assets | 0.1832% | 3,478 |
| Net interest margin | 4.3746% | 292 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 3.6082% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1359% | 1,947 |
| Return on assets (ROA) | 1.1359% | 1,920 |
| Pretax return on assets | 1.1368% | 2,605 |
| Return on Equity (ROE) | 11.6100% | 2,166 |
| Retained earnings to average equity (ytd only) | 7.3636% | 2,245 |
| Net charge-offs to loans | 0.0162% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 109.7273% | 898 |
| Efficiency ratio | 76.0421% | 1,075 |
| Assets per employee ($millions) | 5.4123% | 3,319 |
| Cash dividends to net income (ytd only)* | 36.5672% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,041 |
| Loan loss allowance to noncurrent loans | 113,400.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,040 |
| Noncurrent loans to loans | 0.0010% | 3,978 |
| Net loans and leases to total assets | 72.7900% | 1,202 |
| Net loans and leases to deposits | 81.2474% | 1,501 |
| Net loans and leases to core deposits | 82.2945% | 1,745 |
| Total domestic deposits to total assets | 89.5900% | 1,836 |
| Equity capital to assets | 9.6184% | 1,817 |
| Core capital (leverage) ratio | 10.7022% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $141,563,750 | 3,545 |
| Average earning assets | $130,293,000 | 3,544 |
| Average equity | $13,851,500 | 3,533 |
| Average total loans | $90,293,250 | 3,294 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3768% | 455 |
| Cost of funding earning assets | 0.1211% | 3,949 |
| Net interest margin | 4.2557% | 299 |
| Noninterest income to average assets | 0.6979% | 1,345 |
| Noninterest expense to average assets | 3.5645% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0476% | 1,983 |
| Return on assets (ROA) | 1.0476% | 1,953 |
| Pretax return on assets | 1.0490% | 2,572 |
| Return on Equity (ROE) | 10.6470% | 2,115 |
| Retained earnings to average equity (ytd only) | 7.1935% | 1,923 |
| Net charge-offs to loans | 0.0093% | 1,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 562 |
| Efficiency ratio | 77.2616% | 1,151 |
| Assets per employee ($millions) | 4.9618% | 3,710 |
| Cash dividends to net income (ytd only)* | 32.4361% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 2,801 |
| 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 | 68.8289% | 1,411 |
| Net loans and leases to deposits | 76.7472% | 1,631 |
| Net loans and leases to core deposits | 77.7475% | 1,872 |
| Total domestic deposits to total assets | 89.6826% | 1,853 |
| Equity capital to assets | 9.6898% | 1,888 |
| Core capital (leverage) ratio | 10.3468% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,845,000 | 3,588 |
| Average earning assets | $130,507,667 | 3,590 |
| Average equity | $13,957,000 | 3,589 |
| Average total loans | $85,870,667 | 3,382 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 727 |
| Cost of funding earning assets | 0.0818% | 4,337 |
| Net interest margin | 3.9486% | 451 |
| Noninterest income to average assets | 0.6950% | 1,331 |
| Noninterest expense to average assets | 3.5394% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7955% | 2,675 |
| Return on assets (ROA) | 0.7955% | 2,667 |
| Pretax return on assets | 0.7955% | 3,121 |
| Return on Equity (ROE) | 8.0256% | 2,683 |
| Retained earnings to average equity (ytd only) | 5.6883% | 2,356 |
| Net charge-offs to loans | 0.0497% | 793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,155 |
| Efficiency ratio | 81.6484% | 1,016 |
| Assets per employee ($millions) | 5.5829% | 3,245 |
| Cash dividends to net income (ytd only)* | 29.1228% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 2,143 |
| 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 | 57.4724% | 2,360 |
| Net loans and leases to deposits | 63.8320% | 2,545 |
| Net loans and leases to core deposits | 64.6247% | 2,748 |
| Total domestic deposits to total assets | 90.0369% | 1,542 |
| Equity capital to assets | 9.6283% | 2,189 |
| Core capital (leverage) ratio | 10.0155% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,302,500 | 3,586 |
| Average earning assets | $132,097,500 | 3,592 |
| Average equity | $14,204,500 | 3,632 |
| Average total loans | $80,423,500 | 3,454 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 1,064 |
| Cost of funding earning assets | 0.1311% | 4,145 |
| Net interest margin | 4.0279% | 667 |
| Noninterest income to average assets | 0.7163% | 1,705 |
| Noninterest expense to average assets | 3.5194% | 459 |
| Loan and lease loss provision to assets | -0.2347% | 4,739 |
| Net operating income to assets | 1.1070% | 2,271 |
| Return on assets (ROA) | 1.1070% | 2,331 |
| Pretax return on assets | 1.1078% | 2,942 |
| Return on Equity (ROE) | 10.3747% | 2,392 |
| Retained earnings to average equity (ytd only) | 4.5558% | 2,985 |
| Net charge-offs to loans | 0.0340% | 1,552 |
| Credit loss provision to net charge-offs | -1,192.3077% | 3,963 |
| Earnings coverage of net charge-offs (x) | 44.3462% | 1,372 |
| Efficiency ratio | 80.1241% | 796 |
| Assets per employee ($millions) | 5.4404% | 3,320 |
| Cash dividends to net income (ytd only)* | 56.0876% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,551 |
| Loan loss allowance to noncurrent loans | 316.2983% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 2,279 |
| Noncurrent loans to loans | 0.4745% | 1,942 |
| Net loans and leases to total assets | 53.1227% | 2,950 |
| Net loans and leases to deposits | 59.7085% | 3,102 |
| Net loans and leases to core deposits | 59.8751% | 3,322 |
| Total domestic deposits to total assets | 88.9700% | 1,532 |
| Equity capital to assets | 10.2036% | 2,468 |
| Core capital (leverage) ratio | 10.3397% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,066,400 | 3,656 |
| Average earning assets | $120,533,000 | 3,683 |
| Average equity | $14,092,000 | 3,736 |
| Average total loans | $76,520,800 | 3,532 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1670% | 1,152 |
| Cost of funding earning assets | 0.1480% | 4,127 |
| Net interest margin | 4.0189% | 770 |
| Noninterest income to average assets | 0.6917% | 1,852 |
| Noninterest expense to average assets | 3.4432% | 502 |
| Loan and lease loss provision to assets | -0.0617% | 4,501 |
| Net operating income to assets | 0.9651% | 3,032 |
| Return on assets (ROA) | 0.9651% | 3,118 |
| Pretax return on assets | 0.9662% | 3,550 |
| Return on Equity (ROE) | 8.9383% | 3,124 |
| Retained earnings to average equity (ytd only) | 3.1127% | 3,864 |
| Net charge-offs to loans | 0.0296% | 1,459 |
| Credit loss provision to net charge-offs | -352.9412% | 3,544 |
| Earnings coverage of net charge-offs (x) | 51.7647% | 1,227 |
| Efficiency ratio | 79.1962% | 796 |
| Assets per employee ($millions) | 5.0013% | 3,696 |
| Cash dividends to net income (ytd only)* | 65.1757% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7582% | 1,003 |
| Loan loss allowance to noncurrent loans | 307.2210% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 2,028 |
| Noncurrent loans to loans | 0.5723% | 1,879 |
| Net loans and leases to total assets | 60.3307% | 2,212 |
| Net loans and leases to deposits | 68.2420% | 2,417 |
| Net loans and leases to core deposits | 68.8106% | 2,706 |
| Total domestic deposits to total assets | 88.4070% | 1,617 |
| Equity capital to assets | 10.8755% | 2,102 |
| Core capital (leverage) ratio | 10.9123% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,720,500 | 3,716 |
| Average earning assets | $118,004,750 | 3,746 |
| Average equity | $14,006,750 | 3,790 |
| Average total loans | $76,579,250 | 3,589 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 1,205 |
| Cost of funding earning assets | 0.1784% | 3,966 |
| Net interest margin | 4.0115% | 801 |
| Noninterest income to average assets | 0.7314% | 1,712 |
| Noninterest expense to average assets | 3.4487% | 505 |
| Loan and lease loss provision to assets | 0.0617% | 1,810 |
| Net operating income to assets | 0.8626% | 3,323 |
| Return on assets (ROA) | 0.8626% | 3,401 |
| Pretax return on assets | 0.8641% | 3,735 |
| Return on Equity (ROE) | 8.0076% | 3,407 |
| Retained earnings to average equity (ytd only) | 2.6215% | 3,968 |
| Net charge-offs to loans | 0.0212% | 1,522 |
| Credit loss provision to net charge-offs | 500.0000% | 677 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 867 |
| Efficiency ratio | 78.8360% | 856 |
| Assets per employee ($millions) | 4.5502% | 4,065 |
| Cash dividends to net income (ytd only)* | 67.2630% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9670% | 649 |
| Loan loss allowance to noncurrent loans | 317.1908% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 2,054 |
| Noncurrent loans to loans | 0.6201% | 1,855 |
| Net loans and leases to total assets | 61.3772% | 2,254 |
| Net loans and leases to deposits | 69.7716% | 2,437 |
| Net loans and leases to core deposits | 70.1631% | 2,765 |
| Total domestic deposits to total assets | 87.9687% | 1,844 |
| Equity capital to assets | 11.4021% | 1,698 |
| Core capital (leverage) ratio | 10.9250% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,615,667 | 3,729 |
| Average earning assets | $117,710,333 | 3,763 |
| Average equity | $13,961,667 | 3,796 |
| Average total loans | $75,487,333 | 3,626 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 1,906 |
| Cost of funding earning assets | 0.2587% | 3,391 |
| Net interest margin | 3.6120% | 1,555 |
| Noninterest income to average assets | 0.6647% | 1,978 |
| Noninterest expense to average assets | 3.2542% | 643 |
| Loan and lease loss provision to assets | 0.0902% | 1,469 |
| Net operating income to assets | 0.5955% | 3,955 |
| Return on assets (ROA) | 0.5955% | 4,015 |
| Pretax return on assets | 0.5955% | 4,199 |
| Return on Equity (ROE) | 5.6821% | 3,955 |
| Retained earnings to average equity (ytd only) | 1.1766% | 4,190 |
| Net charge-offs to loans | 0.0374% | 1,097 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 32.5714% | 1,063 |
| Efficiency ratio | 82.5954% | 668 |
| Assets per employee ($millions) | 4.9199% | 3,743 |
| Cash dividends to net income (ytd only)* | 79.2929% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0142% | 585 |
| Loan loss allowance to noncurrent loans | 300.1996% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 2,234 |
| Noncurrent loans to loans | 0.6709% | 1,905 |
| Net loans and leases to total assets | 57.1988% | 2,884 |
| Net loans and leases to deposits | 64.5058% | 3,078 |
| Net loans and leases to core deposits | 64.8506% | 3,327 |
| Total domestic deposits to total assets | 88.6723% | 1,526 |
| Equity capital to assets | 10.9094% | 1,930 |
| Core capital (leverage) ratio | 10.0768% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,996,000 | 3,706 |
| Average earning assets | $120,598,000 | 3,732 |
| Average equity | $13,938,500 | 3,799 |
| Average total loans | $74,772,000 | 3,656 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 1,621 |
| Cost of funding earning assets | 0.3882% | 3,657 |
| Net interest margin | 4.0009% | 973 |
| Noninterest income to average assets | 0.7095% | 1,836 |
| Noninterest expense to average assets | 3.2161% | 1,027 |
| Loan and lease loss provision to assets | 0.5214% | 448 |
| Net operating income to assets | 0.5723% | 3,841 |
| Return on assets (ROA) | 0.5723% | 3,945 |
| Pretax return on assets | 0.5763% | 4,130 |
| Return on Equity (ROE) | 5.3429% | 3,800 |
| Retained earnings to average equity (ytd only) | 0.7392% | 4,306 |
| Net charge-offs to loans | 0.0553% | 1,992 |
| Credit loss provision to net charge-offs | 1,583.3333% | 526 |
| Earnings coverage of net charge-offs (x) | 33.3333% | 1,523 |
| Efficiency ratio | 74.5547% | 1,382 |
| Assets per employee ($millions) | 5.3106% | 3,041 |
| Cash dividends to net income (ytd only)* | 86.1644% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9780% | 622 |
| Loan loss allowance to noncurrent loans | 284.8077% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 2,478 |
| Noncurrent loans to loans | 0.6945% | 1,949 |
| Net loans and leases to total assets | 53.1537% | 3,567 |
| Net loans and leases to deposits | 65.4497% | 3,325 |
| Net loans and leases to core deposits | 65.8035% | 3,558 |
| Total domestic deposits to total assets | 81.2131% | 3,828 |
| Equity capital to assets | 10.0829% | 3,050 |
| Core capital (leverage) ratio | 10.0806% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,545,800 | 3,663 |
| Average earning assets | $114,898,600 | 3,693 |
| Average equity | $13,663,000 | 3,802 |
| Average total loans | $75,947,000 | 3,625 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 1,368 |
| Cost of funding earning assets | 0.4235% | 3,679 |
| Net interest margin | 4.1562% | 801 |
| Noninterest income to average assets | 0.7077% | 1,773 |
| Noninterest expense to average assets | 3.3067% | 900 |
| Loan and lease loss provision to assets | 0.5500% | 492 |
| Net operating income to assets | 0.5860% | 3,811 |
| Return on assets (ROA) | 0.5860% | 3,914 |
| Pretax return on assets | 0.5913% | 4,115 |
| Return on Equity (ROE) | 5.3829% | 3,759 |
| Retained earnings to average equity (ytd only) | 0.5785% | 4,364 |
| Net charge-offs to loans | 0.0437% | 2,002 |
| Credit loss provision to net charge-offs | 2,060.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 42.7600% | 1,313 |
| Efficiency ratio | 74.3461% | 1,375 |
| Assets per employee ($millions) | 5.0129% | 3,232 |
| Cash dividends to net income (ytd only)* | 89.2532% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 826 |
| Loan loss allowance to noncurrent loans | 245.5373% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 2,480 |
| Noncurrent loans to loans | 0.7085% | 2,025 |
| Net loans and leases to total assets | 58.4213% | 3,377 |
| Net loans and leases to deposits | 73.0027% | 3,033 |
| Net loans and leases to core deposits | 73.4272% | 3,361 |
| Total domestic deposits to total assets | 80.0262% | 3,858 |
| Equity capital to assets | 10.7115% | 2,612 |
| Core capital (leverage) ratio | 10.7472% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,913,500 | 3,681 |
| Average earning assets | $112,407,000 | 3,721 |
| Average equity | $13,598,250 | 3,813 |
| Average total loans | $76,215,500 | 3,636 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 1,186 |
| Cost of funding earning assets | 0.4756% | 3,676 |
| Net interest margin | 4.3167% | 724 |
| Noninterest income to average assets | 0.7327% | 1,631 |
| Noninterest expense to average assets | 3.4166% | 835 |
| Loan and lease loss provision to assets | 0.5767% | 564 |
| Net operating income to assets | 0.6125% | 3,695 |
| Return on assets (ROA) | 0.6125% | 3,775 |
| Pretax return on assets | 0.6174% | 4,024 |
| Return on Equity (ROE) | 5.5946% | 3,633 |
| Retained earnings to average equity (ytd only) | 0.6975% | 4,162 |
| Net charge-offs to loans | 0.0581% | 1,675 |
| Credit loss provision to net charge-offs | 1,613.6364% | 571 |
| Earnings coverage of net charge-offs (x) | 33.4091% | 1,359 |
| Efficiency ratio | 74.1015% | 1,455 |
| Assets per employee ($millions) | 4.4661% | 3,828 |
| Cash dividends to net income (ytd only)* | 87.5332% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,169 |
| Loan loss allowance to noncurrent loans | 208.2168% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 2,487 |
| Noncurrent loans to loans | 0.7361% | 2,035 |
| Net loans and leases to total assets | 61.1897% | 3,196 |
| Net loans and leases to deposits | 77.1205% | 2,748 |
| Net loans and leases to core deposits | 77.5913% | 3,144 |
| Total domestic deposits to total assets | 79.3430% | 3,964 |
| Equity capital to assets | 11.0330% | 2,312 |
| Core capital (leverage) ratio | 10.9710% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,106,000 | 3,686 |
| Average earning assets | $110,594,000 | 3,728 |
| Average equity | $13,477,333 | 3,826 |
| Average total loans | $75,790,000 | 3,652 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 1,217 |
| Cost of funding earning assets | 0.5947% | 3,467 |
| Net interest margin | 4.2939% | 769 |
| Noninterest income to average assets | 0.8024% | 1,304 |
| Noninterest expense to average assets | 3.5568% | 859 |
| Loan and lease loss provision to assets | 0.2948% | 1,049 |
| Net operating income to assets | 0.7991% | 2,912 |
| Return on assets (ROA) | 0.7991% | 3,003 |
| Pretax return on assets | 0.8057% | 3,399 |
| Return on Equity (ROE) | 7.3287% | 2,811 |
| Retained earnings to average equity (ytd only) | 1.7120% | 3,542 |
| Net charge-offs to loans | 0.0909% | 1,150 |
| Credit loss provision to net charge-offs | 529.4118% | 851 |
| Earnings coverage of net charge-offs (x) | 19.7647% | 1,431 |
| Efficiency ratio | 76.3713% | 1,521 |
| Assets per employee ($millions) | 4.2543% | 3,591 |
| Cash dividends to net income (ytd only)* | 76.6393% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,189 |
| Loan loss allowance to noncurrent loans | 137.7219% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 2,295 |
| Noncurrent loans to loans | 0.9363% | 1,760 |
| Net loans and leases to total assets | 59.8309% | 3,512 |
| Net loans and leases to deposits | 75.9436% | 3,081 |
| Net loans and leases to core deposits | 76.4331% | 3,466 |
| Total domestic deposits to total assets | 78.7834% | 4,089 |
| Equity capital to assets | 11.1049% | 2,771 |
| Core capital (leverage) ratio | 10.7890% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0425% | 1,589 |
| Memoranda: | ||
| Average total assets | $122,133,000 | 3,678 |
| Average earning assets | $109,643,500 | 3,715 |
| Average equity | $13,317,500 | 3,851 |
| Average total loans | $74,830,000 | 3,667 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2464% | 911 |
| Cost of funding earning assets | 0.7228% | 3,053 |
| Net interest margin | 4.5236% | 688 |
| Noninterest income to average assets | 0.9383% | 1,101 |
| Noninterest expense to average assets | 3.7023% | 762 |
| Loan and lease loss provision to assets | 0.2664% | 676 |
| Net operating income to assets | 1.0757% | 2,544 |
| Return on assets (ROA) | 1.0757% | 2,641 |
| Pretax return on assets | 1.0806% | 3,232 |
| Return on Equity (ROE) | 10.0574% | 2,272 |
| Retained earnings to average equity (ytd only) | 3.6587% | 3,166 |
| Net charge-offs to loans | 0.6080% | 304 |
| Credit loss provision to net charge-offs | 65.1731% | 2,975 |
| Earnings coverage of net charge-offs (x) | 3.2953% | 3,332 |
| Efficiency ratio | 73.3223% | 1,684 |
| Assets per employee ($millions) | 4.6351% | 3,039 |
| Cash dividends to net income (ytd only)* | 63.6223% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 2,899 |
| Loan loss allowance to noncurrent loans | 82.7553% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 1,550 |
| Noncurrent loans to loans | 1.3401% | 1,115 |
| Net loans and leases to total assets | 61.2080% | 3,479 |
| Net loans and leases to deposits | 83.7671% | 2,357 |
| Net loans and leases to core deposits | 84.3213% | 2,922 |
| Total domestic deposits to total assets | 73.0693% | 4,824 |
| Equity capital to assets | 10.7130% | 3,245 |
| Core capital (leverage) ratio | 10.2454% | 3,253 |
| Tier 1 risk-based capital ratio | 14.2342% | 3,151 |
| Total risk-based capital ratio | 15.1582% | 3,218 |
| Memoranda: | ||
| Average total assets | $120,113,000 | 3,701 |
| Average earning assets | $109,160,600 | 3,724 |
| Average equity | $12,846,200 | 3,896 |
| Average total loans | $80,757,200 | 3,589 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3019% | 862 |
| Cost of funding earning assets | 0.7026% | 3,212 |
| Net interest margin | 4.5994% | 620 |
| Noninterest income to average assets | 0.9625% | 1,019 |
| Noninterest expense to average assets | 3.6795% | 769 |
| Loan and lease loss provision to assets | 0.3085% | 473 |
| Net operating income to assets | 1.1476% | 2,380 |
| Return on assets (ROA) | 1.1476% | 2,470 |
| Pretax return on assets | 1.1532% | 3,125 |
| Return on Equity (ROE) | 10.7348% | 2,127 |
| Retained earnings to average equity (ytd only) | 4.4807% | 3,154 |
| Net charge-offs to loans | 0.0670% | 1,868 |
| Credit loss provision to net charge-offs | 670.7317% | 498 |
| Earnings coverage of net charge-offs (x) | 31.7778% | 1,575 |
| Efficiency ratio | 71.5688% | 1,894 |
| Assets per employee ($millions) | 5.0070% | 2,557 |
| Cash dividends to net income (ytd only)* | 58.2601% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,185 |
| Loan loss allowance to noncurrent loans | 120.6304% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 1,645 |
| Noncurrent loans to loans | 1.2634% | 1,238 |
| Net loans and leases to total assets | 65.1940% | 3,160 |
| Net loans and leases to deposits | 89.0089% | 1,812 |
| Net loans and leases to core deposits | 93.5280% | 2,218 |
| Total domestic deposits to total assets | 73.2444% | 4,851 |
| Equity capital to assets | 10.4886% | 3,551 |
| Core capital (leverage) ratio | 11.0761% | 2,580 |
| Tier 1 risk-based capital ratio | 13.2986% | 3,689 |
| Total risk-based capital ratio | 14.5488% | 3,588 |
| Memoranda: | ||
| Average total assets | $118,854,500 | 3,761 |
| Average earning assets | $107,983,500 | 3,792 |
| Average equity | $12,706,000 | 3,951 |
| Average total loans | $81,581,750 | 3,611 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5018% | 565 |
| Cost of funding earning assets | 0.7196% | 3,051 |
| Net interest margin | 4.7822% | 418 |
| Noninterest income to average assets | 0.8326% | 1,242 |
| Noninterest expense to average assets | 3.8065% | 658 |
| Loan and lease loss provision to assets | 0.2141% | 783 |
| Net operating income to assets | 1.1443% | 2,347 |
| Return on assets (ROA) | 1.1443% | 2,425 |
| Pretax return on assets | 1.1495% | 3,077 |
| Return on Equity (ROE) | 10.6327% | 2,121 |
| Retained earnings to average equity (ytd only) | 4.4727% | 3,028 |
| Net charge-offs to loans | 0.0641% | 1,740 |
| Credit loss provision to net charge-offs | 480.7692% | 623 |
| Earnings coverage of net charge-offs (x) | 30.6154% | 1,444 |
| Efficiency ratio | 73.6249% | 1,684 |
| Assets per employee ($millions) | 4.3303% | 3,395 |
| Cash dividends to net income (ytd only)* | 57.9341% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 1,606 |
| Loan loss allowance to noncurrent loans | 105.2190% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 1,516 |
| Noncurrent loans to loans | 1.3322% | 1,172 |
| Net loans and leases to total assets | 67.9243% | 2,824 |
| Net loans and leases to deposits | 83.3753% | 2,563 |
| Net loans and leases to core deposits | 87.4162% | 2,855 |
| Total domestic deposits to total assets | 81.4680% | 3,673 |
| Equity capital to assets | 11.0668% | 2,978 |
| Core capital (leverage) ratio | 11.3090% | 2,329 |
| Tier 1 risk-based capital ratio | 12.9938% | 3,838 |
| Total risk-based capital ratio | 14.1296% | 3,804 |
| Memoranda: | ||
| Average total assets | $116,748,000 | 3,813 |
| Average earning assets | $105,892,000 | 3,843 |
| Average equity | $12,565,000 | 3,976 |
| Average total loans | $81,152,670 | 3,637 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5585% | 471 |
| Cost of funding earning assets | 0.7052% | 3,022 |
| Net interest margin | 4.8533% | 367 |
| Noninterest income to average assets | 0.8160% | 1,249 |
| Noninterest expense to average assets | 3.8230% | 641 |
| Loan and lease loss provision to assets | 0.2743% | 497 |
| Net operating income to assets | 1.1246% | 2,374 |
| Return on assets (ROA) | 1.1246% | 2,421 |
| Pretax return on assets | 1.1315% | 3,037 |
| Return on Equity (ROE) | 10.5995% | 2,119 |
| Retained earnings to average equity (ytd only) | 4.3626% | 3,179 |
| Net charge-offs to loans | 0.1179% | 1,033 |
| Credit loss provision to net charge-offs | 333.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 17.0833% | 1,673 |
| Efficiency ratio | 73.1148% | 1,864 |
| Assets per employee ($millions) | 4.5384% | 3,129 |
| Cash dividends to net income (ytd only)* | 58.8415% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 1,933 |
| Loan loss allowance to noncurrent loans | 67.6012% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4146% | 876 |
| Noncurrent loans to loans | 1.9781% | 753 |
| Net loans and leases to total assets | 70.5573% | 2,398 |
| Net loans and leases to deposits | 86.6790% | 2,045 |
| Net loans and leases to core deposits | 90.6297% | 2,430 |
| Total domestic deposits to total assets | 81.4007% | 3,882 |
| Equity capital to assets | 11.0452% | 2,804 |
| Core capital (leverage) ratio | 11.0464% | 2,532 |
| Tier 1 risk-based capital ratio | 12.5632% | 4,124 |
| Total risk-based capital ratio | 13.6306% | 4,110 |
| Memoranda: | ||
| Average total assets | $116,663,500 | 3,853 |
| Average earning assets | $106,072,500 | 3,882 |
| Average equity | $12,378,000 | 4,020 |
| Average total loans | $81,457,000 | 3,663 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 768 |
| Cost of funding earning assets | 0.3673% | 4,182 |
| Net interest margin | 4.7830% | 411 |
| Noninterest income to average assets | 0.7236% | 1,757 |
| Noninterest expense to average assets | 3.9252% | 587 |
| Loan and lease loss provision to assets | 0.1651% | 1,229 |
| Net operating income to assets | 0.9868% | 3,071 |
| Return on assets (ROA) | 0.9868% | 3,069 |
| Pretax return on assets | 0.9923% | 3,630 |
| Return on Equity (ROE) | 8.9529% | 3,018 |
| Retained earnings to average equity (ytd only) | 4.4016% | 3,114 |
| Net charge-offs to loans | 0.0489% | 2,455 |
| Credit loss provision to net charge-offs | 486.4865% | 707 |
| Earnings coverage of net charge-offs (x) | 34.1081% | 1,476 |
| Efficiency ratio | 77.2284% | 1,210 |
| Assets per employee ($millions) | 4.6102% | 3,008 |
| Cash dividends to net income (ytd only)* | 50.8364% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 2,259 |
| Loan loss allowance to noncurrent loans | 328.7540% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 3,541 |
| Noncurrent loans to loans | 0.3828% | 3,161 |
| Net loans and leases to total assets | 67.3627% | 2,955 |
| Net loans and leases to deposits | 81.6621% | 2,776 |
| Net loans and leases to core deposits | 85.1049% | 2,996 |
| Total domestic deposits to total assets | 82.4896% | 3,489 |
| Equity capital to assets | 10.1981% | 3,468 |
| Core capital (leverage) ratio | 10.9590% | 2,564 |
| Tier 1 risk-based capital ratio | 12.9145% | 3,894 |
| Total risk-based capital ratio | 13.9662% | 3,891 |
| Memoranda: | ||
| Average total assets | $109,038,800 | 3,957 |
| Average earning assets | $99,373,800 | 3,987 |
| Average equity | $12,018,400 | 4,023 |
| Average total loans | $75,603,000 | 3,758 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0526% | 836 |
| Cost of funding earning assets | 0.2880% | 4,596 |
| Net interest margin | 4.7645% | 401 |
| Noninterest income to average assets | 0.7273% | 1,761 |
| Noninterest expense to average assets | 3.9310% | 569 |
| Loan and lease loss provision to assets | 0.1693% | 1,103 |
| Net operating income to assets | 0.9555% | 3,281 |
| Return on assets (ROA) | 0.9555% | 3,295 |
| Pretax return on assets | 0.9617% | 3,844 |
| Return on Equity (ROE) | 8.4898% | 3,335 |
| Retained earnings to average equity (ytd only) | 4.5903% | 3,452 |
| Net charge-offs to loans | 0.0468% | 2,162 |
| Credit loss provision to net charge-offs | 519.2308% | 679 |
| Earnings coverage of net charge-offs (x) | 34.6882% | 1,472 |
| Efficiency ratio | 77.6567% | 1,152 |
| Assets per employee ($millions) | 4.1731% | 3,611 |
| Cash dividends to net income (ytd only)* | 45.9325% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,459 |
| Loan loss allowance to noncurrent loans | 490.6404% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 4,048 |
| Noncurrent loans to loans | 0.2504% | 3,792 |
| Net loans and leases to total assets | 71.0655% | 2,483 |
| Net loans and leases to deposits | 90.3789% | 1,843 |
| Net loans and leases to core deposits | 90.3789% | 2,627 |
| Total domestic deposits to total assets | 78.6306% | 4,389 |
| Equity capital to assets | 10.7264% | 2,915 |
| Core capital (leverage) ratio | 11.6426% | 2,051 |
| Tier 1 risk-based capital ratio | 13.2276% | 3,772 |
| Total risk-based capital ratio | 14.2804% | 3,800 |
| Memoranda: | ||
| Average total assets | $106,332,000 | 4,037 |
| Average earning assets | $96,740,250 | 4,066 |
| Average equity | $11,967,000 | 4,064 |
| Average total loans | $74,060,250 | 3,828 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8983% | 1,025 |
| Cost of funding earning assets | 0.1957% | 5,049 |
| Net interest margin | 4.7026% | 431 |
| Noninterest income to average assets | 0.7408% | 1,682 |
| Noninterest expense to average assets | 3.8976% | 602 |
| Loan and lease loss provision to assets | 0.1727% | 1,064 |
| Net operating income to assets | 0.9538% | 3,215 |
| Return on assets (ROA) | 0.9538% | 3,223 |
| Pretax return on assets | 0.9595% | 3,776 |
| Return on Equity (ROE) | 8.3338% | 3,346 |
| Retained earnings to average equity (ytd only) | 4.4268% | 3,385 |
| Net charge-offs to loans | 0.0446% | 1,974 |
| Credit loss provision to net charge-offs | 562.5000% | 657 |
| Earnings coverage of net charge-offs (x) | 36.8750% | 1,352 |
| Efficiency ratio | 77.4895% | 1,250 |
| Assets per employee ($millions) | 3.9292% | 4,022 |
| Cash dividends to net income (ytd only)* | 46.8813% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,574 |
| Loan loss allowance to noncurrent loans | 422.9075% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 3,928 |
| Noncurrent loans to loans | 0.2898% | 3,665 |
| Net loans and leases to total assets | 72.9385% | 2,130 |
| Net loans and leases to deposits | 89.7356% | 1,873 |
| Net loans and leases to core deposits | 89.7356% | 2,595 |
| Total domestic deposits to total assets | 81.2816% | 3,924 |
| Equity capital to assets | 11.3217% | 2,345 |
| Core capital (leverage) ratio | 12.3979% | 1,487 |
| Tier 1 risk-based capital ratio | 13.5830% | 3,573 |
| Total risk-based capital ratio | 14.6371% | 3,599 |
| Memoranda: | ||
| Average total assets | $104,217,670 | 4,109 |
| Average earning assets | $95,053,330 | 4,127 |
| Average equity | $11,927,330 | 4,095 |
| Average total loans | $71,724,000 | 3,899 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6505% | 1,434 |
| Cost of funding earning assets | 0.1396% | 5,311 |
| Net interest margin | 4.5109% | 602 |
| Noninterest income to average assets | 0.7668% | 1,554 |
| Noninterest expense to average assets | 4.0200% | 516 |
| Loan and lease loss provision to assets | 0.1743% | 1,002 |
| Net operating income to assets | 0.6932% | 4,121 |
| Return on assets (ROA) | 0.6932% | 4,131 |
| Pretax return on assets | 0.7010% | 4,442 |
| Return on Equity (ROE) | 6.0241% | 4,148 |
| Retained earnings to average equity (ytd only) | 2.2212% | 4,279 |
| Net charge-offs to loans | 0.0117% | 2,325 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 554 |
| Efficiency ratio | 82.1203% | 933 |
| Assets per employee ($millions) | 3.1395% | 5,055 |
| Cash dividends to net income (ytd only)* | 63.1285% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 1,987 |
| Loan loss allowance to noncurrent loans | 349.2481% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 3,808 |
| Noncurrent loans to loans | 0.3894% | 3,392 |
| Net loans and leases to total assets | 67.0728% | 2,882 |
| Net loans and leases to deposits | 76.2884% | 3,179 |
| Net loans and leases to core deposits | 76.2884% | 3,652 |
| Total domestic deposits to total assets | 87.9201% | 1,665 |
| Equity capital to assets | 11.7724% | 1,930 |
| Core capital (leverage) ratio | 11.9869% | 1,662 |
| Tier 1 risk-based capital ratio | 14.5549% | 3,094 |
| Total risk-based capital ratio | 15.6658% | 3,075 |
| Memoranda: | ||
| Average total assets | $103,282,500 | 4,171 |
| Average earning assets | $94,527,000 | 4,179 |
| Average equity | $11,885,500 | 4,143 |
| Average total loans | $68,416,500 | 3,997 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 649 |
| Cost of funding earning assets | 0.1530% | 5,246 |
| Net interest margin | 4.8462% | 316 |
| Noninterest income to average assets | 0.7853% | 1,629 |
| Noninterest expense to average assets | 4.3116% | 371 |
| Loan and lease loss provision to assets | -0.1853% | 5,568 |
| Net operating income to assets | 1.0789% | 1,940 |
| Return on assets (ROA) | 1.0789% | 1,958 |
| Pretax return on assets | 1.0779% | 3,272 |
| Return on Equity (ROE) | 9.3392% | 2,160 |
| Retained earnings to average equity (ytd only) | 4.6949% | 2,324 |
| Net charge-offs to loans | -0.1336% | 5,438 |
| Credit loss provision to net charge-offs | 208.7912% | 1,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8491% | 866 |
| Assets per employee ($millions) | 3.3157% | 4,923 |
| Cash dividends to net income (ytd only)* | 49.7288% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,243 |
| Loan loss allowance to noncurrent loans | 289.8693% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 3,734 |
| Noncurrent loans to loans | 0.4466% | 3,178 |
| Net loans and leases to total assets | 63.7440% | 3,394 |
| Net loans and leases to deposits | 72.3688% | 3,666 |
| Net loans and leases to core deposits | 72.3688% | 4,027 |
| Total domestic deposits to total assets | 88.0821% | 1,458 |
| Equity capital to assets | 11.2572% | 2,393 |
| Core capital (leverage) ratio | 11.3393% | 2,068 |
| Tier 1 risk-based capital ratio | 14.7777% | 2,945 |
| Total risk-based capital ratio | 15.8604% | 2,961 |
| Memoranda: | ||
| Average total assets | $102,514,000 | 4,199 |
| Average earning assets | $93,475,200 | 4,209 |
| Average equity | $11,842,600 | 4,168 |
| Average total loans | $68,122,600 | 4,007 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 604 |
| Cost of funding earning assets | 0.1455% | 5,337 |
| Net interest margin | 4.8619% | 292 |
| Noninterest income to average assets | 0.8253% | 1,496 |
| Noninterest expense to average assets | 4.2092% | 405 |
| Loan and lease loss provision to assets | -0.2493% | 5,677 |
| Net operating income to assets | 1.2885% | 1,379 |
| Return on assets (ROA) | 1.2885% | 1,405 |
| Pretax return on assets | 1.2937% | 2,521 |
| Return on Equity (ROE) | 11.0796% | 1,665 |
| Retained earnings to average equity (ytd only) | 6.1603% | 2,138 |
| Net charge-offs to loans | -0.1980% | 5,537 |
| Credit loss provision to net charge-offs | 188.1188% | 1,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1199% | 1,087 |
| Assets per employee ($millions) | 3.2801% | 4,985 |
| Cash dividends to net income (ytd only)* | 44.3993% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,753 |
| Loan loss allowance to noncurrent loans | 253.3898% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,706 |
| Noncurrent loans to loans | 0.4846% | 3,233 |
| Net loans and leases to total assets | 68.7464% | 2,732 |
| Net loans and leases to deposits | 82.7863% | 2,685 |
| Net loans and leases to core deposits | 82.7863% | 3,224 |
| Total domestic deposits to total assets | 83.0409% | 3,439 |
| Equity capital to assets | 11.6583% | 2,225 |
| Core capital (leverage) ratio | 11.8609% | 1,777 |
| Tier 1 risk-based capital ratio | 14.6021% | 3,130 |
| Total risk-based capital ratio | 15.6849% | 3,133 |
| Memoranda: | ||
| Average total assets | $101,617,250 | 4,252 |
| Average earning assets | $92,554,250 | 4,264 |
| Average equity | $11,817,250 | 4,212 |
| Average total loans | $68,023,250 | 4,044 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0302% | 537 |
| Cost of funding earning assets | 0.1204% | 5,505 |
| Net interest margin | 4.9098% | 258 |
| Noninterest income to average assets | 0.8895% | 1,302 |
| Noninterest expense to average assets | 4.2626% | 392 |
| Loan and lease loss provision to assets | -0.3781% | 5,749 |
| Net operating income to assets | 1.4607% | 934 |
| Return on assets (ROA) | 1.4607% | 959 |
| Pretax return on assets | 1.4666% | 1,772 |
| Return on Equity (ROE) | 12.5714% | 1,149 |
| Retained earnings to average equity (ytd only) | 7.6901% | 1,287 |
| Net charge-offs to loans | -0.3648% | 5,665 |
| Credit loss provision to net charge-offs | 157.0248% | 1,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6579% | 1,256 |
| Assets per employee ($millions) | 3.1892% | 5,112 |
| Cash dividends to net income (ytd only)* | 38.8283% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,289 |
| Loan loss allowance to noncurrent loans | 237.9221% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 3,603 |
| Noncurrent loans to loans | 0.5576% | 3,066 |
| Net loans and leases to total assets | 66.7565% | 2,995 |
| Net loans and leases to deposits | 80.5808% | 2,849 |
| Net loans and leases to core deposits | 80.5808% | 3,374 |
| Total domestic deposits to total assets | 82.8442% | 3,616 |
| Equity capital to assets | 11.7890% | 2,082 |
| Core capital (leverage) ratio | 12.2357% | 1,508 |
| Tier 1 risk-based capital ratio | 15.0187% | 2,918 |
| Total risk-based capital ratio | 16.1653% | 2,896 |
| Memoranda: | ||
| Average total assets | $100,501,670 | 4,299 |
| Average earning assets | $91,328,000 | 4,319 |
| Average equity | $11,677,330 | 4,246 |
| Average total loans | $66,345,670 | 4,097 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1776% | 392 |
| Cost of funding earning assets | 0.0974% | 5,657 |
| Net interest margin | 5.0802% | 194 |
| Noninterest income to average assets | 0.7380% | 1,789 |
| Noninterest expense to average assets | 4.2837% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0509% | 2,066 |
| Return on assets (ROA) | 1.0509% | 2,115 |
| Pretax return on assets | 1.0589% | 3,141 |
| Return on Equity (ROE) | 9.1126% | 2,357 |
| Retained earnings to average equity (ytd only) | 5.0780% | 2,844 |
| Net charge-offs to loans | -0.6216% | 5,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1802% | 1,362 |
| Assets per employee ($millions) | 3.0829% | 5,287 |
| Cash dividends to net income (ytd only)* | 44.2748% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 1,220 |
| Loan loss allowance to noncurrent loans | 275.6345% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 3,598 |
| Noncurrent loans to loans | 0.6037% | 3,010 |
| Net loans and leases to total assets | 65.0590% | 3,106 |
| Net loans and leases to deposits | 73.9364% | 3,412 |
| Net loans and leases to core deposits | 73.9364% | 3,840 |
| Total domestic deposits to total assets | 87.9931% | 1,717 |
| Equity capital to assets | 11.7190% | 2,021 |
| Core capital (leverage) ratio | 11.7247% | 1,811 |
| Tier 1 risk-based capital ratio | 14.9096% | 3,011 |
| Total risk-based capital ratio | 16.1611% | 2,934 |
| Memoranda: | ||
| Average total assets | $99,726,000 | 4,355 |
| Average earning assets | $90,389,500 | 4,387 |
| Average equity | $11,500,500 | 4,309 |
| Average total loans | $64,997,000 | 4,158 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 592 |
| Cost of funding earning assets | 0.1546% | 5,390 |
| Net interest margin | 4.8417% | 321 |
| Noninterest income to average assets | 0.6722% | 2,307 |
| Noninterest expense to average assets | 3.9342% | 659 |
| Loan and lease loss provision to assets | 0.1293% | 1,923 |
| Net operating income to assets | 1.0382% | 2,198 |
| Return on assets (ROA) | 1.0382% | 2,292 |
| Pretax return on assets | 1.0439% | 3,318 |
| Return on Equity (ROE) | 9.5436% | 2,171 |
| Retained earnings to average equity (ytd only) | 4.6495% | 2,586 |
| Net charge-offs to loans | 0.3807% | 707 |
| Credit loss provision to net charge-offs | 49.2754% | 3,389 |
| Earnings coverage of net charge-offs (x) | 4.4710% | 3,495 |
| Efficiency ratio | 77.0290% | 1,838 |
| Assets per employee ($millions) | 3.1500% | 5,219 |
| Cash dividends to net income (ytd only)* | 51.2821% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,593 |
| Loan loss allowance to noncurrent loans | 302.1472% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 3,982 |
| Noncurrent loans to loans | 0.5037% | 3,343 |
| Net loans and leases to total assets | 63.2351% | 3,444 |
| Net loans and leases to deposits | 71.6465% | 3,746 |
| Net loans and leases to core deposits | 71.9749% | 4,084 |
| Total domestic deposits to total assets | 88.2599% | 1,507 |
| Equity capital to assets | 11.3492% | 2,294 |
| Core capital (leverage) ratio | 10.6301% | 2,743 |
| Tier 1 risk-based capital ratio | 15.1377% | 2,903 |
| Total risk-based capital ratio | 16.3878% | 2,837 |
| Memoranda: | ||
| Average total assets | $105,181,200 | 4,251 |
| Average earning assets | $96,349,800 | 4,266 |
| Average equity | $11,442,200 | 4,346 |
| Average total loans | $72,490,600 | 3,977 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 689 |
| Cost of funding earning assets | 0.1503% | 5,485 |
| Net interest margin | 4.7774% | 378 |
| Noninterest income to average assets | 0.6775% | 2,274 |
| Noninterest expense to average assets | 3.8364% | 726 |
| Loan and lease loss provision to assets | 0.1706% | 1,333 |
| Net operating income to assets | 1.0513% | 2,195 |
| Return on assets (ROA) | 1.0513% | 2,320 |
| Pretax return on assets | 1.0576% | 3,400 |
| Return on Equity (ROE) | 9.7643% | 2,164 |
| Retained earnings to average equity (ytd only) | 4.0199% | 3,442 |
| Net charge-offs to loans | 0.4407% | 485 |
| Credit loss provision to net charge-offs | 55.2846% | 2,967 |
| Earnings coverage of net charge-offs (x) | 3.9797% | 3,328 |
| Efficiency ratio | 75.7493% | 2,015 |
| Assets per employee ($millions) | 3.4802% | 4,800 |
| Cash dividends to net income (ytd only)* | 58.8306% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 2,366 |
| Loan loss allowance to noncurrent loans | 255.6675% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 3,985 |
| Noncurrent loans to loans | 0.5336% | 3,395 |
| Net loans and leases to total assets | 65.8923% | 3,142 |
| Net loans and leases to deposits | 87.5355% | 2,076 |
| Net loans and leases to core deposits | 87.9615% | 2,766 |
| Total domestic deposits to total assets | 75.2750% | 5,313 |
| Equity capital to assets | 10.3812% | 3,704 |
| Core capital (leverage) ratio | 10.3774% | 3,130 |
| Tier 1 risk-based capital ratio | 13.1983% | 4,037 |
| Total risk-based capital ratio | 14.3770% | 3,990 |
| Memoranda: | ||
| Average total assets | $106,276,500 | 4,274 |
| Average earning assets | $97,596,000 | 4,280 |
| Average equity | $11,442,750 | 4,386 |
| Average total loans | $74,431,750 | 3,961 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 666 |
| Cost of funding earning assets | 0.1293% | 5,697 |
| Net interest margin | 4.8047% | 365 |
| Noninterest income to average assets | 0.6713% | 2,269 |
| Noninterest expense to average assets | 3.7904% | 779 |
| Loan and lease loss provision to assets | 0.0765% | 2,605 |
| Net operating income to assets | 1.2048% | 1,581 |
| Return on assets (ROA) | 1.2048% | 1,680 |
| Pretax return on assets | 1.2106% | 2,747 |
| Return on Equity (ROE) | 11.0494% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.3493% | 2,516 |
| Net charge-offs to loans | 0.2928% | 812 |
| Credit loss provision to net charge-offs | 36.6972% | 2,804 |
| Earnings coverage of net charge-offs (x) | 6.1743% | 2,775 |
| Efficiency ratio | 74.6516% | 2,266 |
| Assets per employee ($millions) | 3.3384% | 5,007 |
| Cash dividends to net income (ytd only)* | 51.5873% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 2,549 |
| Loan loss allowance to noncurrent loans | 54.8287% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.8029% | 954 |
| Noncurrent loans to loans | 2.4542% | 726 |
| Net loans and leases to total assets | 72.4722% | 2,094 |
| Net loans and leases to deposits | 95.8027% | 1,100 |
| Net loans and leases to core deposits | 96.2864% | 1,953 |
| Total domestic deposits to total assets | 75.6473% | 5,333 |
| Equity capital to assets | 10.8125% | 3,268 |
| Core capital (leverage) ratio | 10.8845% | 2,551 |
| Tier 1 risk-based capital ratio | 12.6379% | 4,427 |
| Total risk-based capital ratio | 13.8163% | 4,382 |
| Memoranda: | ||
| Average total assets | $104,580,330 | 4,342 |
| Average earning assets | $95,907,000 | 4,343 |
| Average equity | $11,403,330 | 4,418 |
| Average total loans | $74,443,670 | 3,989 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 702 |
| Cost of funding earning assets | 0.1139% | 5,850 |
| Net interest margin | 4.7793% | 371 |
| Noninterest income to average assets | 0.6650% | 2,195 |
| Noninterest expense to average assets | 3.8509% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1870% | 1,601 |
| Return on assets (ROA) | 1.1870% | 1,698 |
| Pretax return on assets | 1.1947% | 2,725 |
| Return on Equity (ROE) | 10.8390% | 1,661 |
| Retained earnings to average equity (ytd only) | 9.1796% | 1,057 |
| Net charge-offs to loans | 0.2596% | 803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.5745% | 2,232 |
| Efficiency ratio | 76.3218% | 2,131 |
| Assets per employee ($millions) | 3.1914% | 5,293 |
| Cash dividends to net income (ytd only)* | 15.3094% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 2,069 |
| Loan loss allowance to noncurrent loans | 128.7933% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 2,641 |
| Noncurrent loans to loans | 1.1493% | 2,111 |
| Net loans and leases to total assets | 70.2597% | 2,296 |
| Net loans and leases to deposits | 83.5122% | 2,366 |
| Net loans and leases to core deposits | 83.9087% | 2,946 |
| Total domestic deposits to total assets | 84.1311% | 3,470 |
| Equity capital to assets | 11.2442% | 2,688 |
| Core capital (leverage) ratio | 10.9047% | 2,498 |
| Tier 1 risk-based capital ratio | 13.1292% | 4,175 |
| Total risk-based capital ratio | 14.3792% | 4,100 |
| Memoranda: | ||
| Average total assets | $103,455,500 | 4,399 |
| Average earning assets | $94,826,000 | 4,402 |
| Average equity | $11,329,500 | 4,443 |
| Average total loans | $72,426,500 | 4,058 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1308% | 489 |
| Cost of funding earning assets | 0.1243% | 5,860 |
| Net interest margin | 5.0065% | 253 |
| Noninterest income to average assets | 0.6401% | 2,517 |
| Noninterest expense to average assets | 3.8857% | 774 |
| Loan and lease loss provision to assets | 0.3088% | 547 |
| Net operating income to assets | 1.0398% | 2,175 |
| Return on assets (ROA) | 1.0398% | 2,258 |
| Pretax return on assets | 1.0435% | 3,290 |
| Return on Equity (ROE) | 10.2444% | 1,902 |
| Retained earnings to average equity (ytd only) | 6.8787% | 1,333 |
| Net charge-offs to loans | 0.4094% | 697 |
| Credit loss provision to net charge-offs | 109.6346% | 2,300 |
| Earnings coverage of net charge-offs (x) | 4.8007% | 3,489 |
| Efficiency ratio | 74.1826% | 2,552 |
| Assets per employee ($millions) | 3.2746% | 5,184 |
| Cash dividends to net income (ytd only)* | 32.8533% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,750 |
| Loan loss allowance to noncurrent loans | 168.1614% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 3,146 |
| Noncurrent loans to loans | 0.9289% | 2,479 |
| Net loans and leases to total assets | 67.6592% | 2,762 |
| Net loans and leases to deposits | 75.9494% | 3,260 |
| Net loans and leases to core deposits | 76.2812% | 3,731 |
| Total domestic deposits to total assets | 89.0845% | 1,077 |
| Equity capital to assets | 10.6654% | 3,174 |
| Core capital (leverage) ratio | 10.0593% | 3,430 |
| Tier 1 risk-based capital ratio | 12.4924% | 4,639 |
| Total risk-based capital ratio | 13.7420% | 4,529 |
| Memoranda: | ||
| Average total assets | $106,852,600 | 4,316 |
| Average earning assets | $98,132,600 | 4,333 |
| Average equity | $10,845,000 | 4,509 |
| Average total loans | $73,531,200 | 4,010 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 554 |
| Cost of funding earning assets | 0.1216% | 5,969 |
| Net interest margin | 4.9417% | 291 |
| Noninterest income to average assets | 0.6271% | 2,596 |
| Noninterest expense to average assets | 3.8582% | 782 |
| Loan and lease loss provision to assets | 0.0993% | 2,193 |
| Net operating income to assets | 1.2083% | 1,624 |
| Return on assets (ROA) | 1.2083% | 1,688 |
| Pretax return on assets | 1.2107% | 2,779 |
| Return on Equity (ROE) | 12.0542% | 1,358 |
| Retained earnings to average equity (ytd only) | 8.3376% | 1,118 |
| Net charge-offs to loans | 0.1046% | 2,086 |
| Credit loss provision to net charge-offs | 137.9310% | 1,789 |
| Earnings coverage of net charge-offs (x) | 18.1900% | 2,012 |
| Efficiency ratio | 74.6516% | 2,449 |
| Assets per employee ($millions) | 3.4432% | 4,902 |
| Cash dividends to net income (ytd only)* | 30.8325% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 2,532 |
| Loan loss allowance to noncurrent loans | 113.3874% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8949% | 2,637 |
| Noncurrent loans to loans | 1.2464% | 2,044 |
| Net loans and leases to total assets | 70.7795% | 2,269 |
| Net loans and leases to deposits | 85.9778% | 2,141 |
| Net loans and leases to core deposits | 86.3643% | 2,814 |
| Total domestic deposits to total assets | 82.3230% | 4,063 |
| Equity capital to assets | 10.1150% | 4,035 |
| Core capital (leverage) ratio | 10.1524% | 3,435 |
| Tier 1 risk-based capital ratio | 12.9218% | 4,473 |
| Total risk-based capital ratio | 14.1719% | 4,393 |
| Memoranda: | ||
| Average total assets | $107,369,000 | 4,358 |
| Average earning assets | $98,669,000 | 4,368 |
| Average equity | $10,762,250 | 4,576 |
| Average total loans | $73,908,250 | 4,035 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 602 |
| Cost of funding earning assets | 0.1192% | 6,047 |
| Net interest margin | 4.8763% | 312 |
| Noninterest income to average assets | 0.6445% | 2,509 |
| Noninterest expense to average assets | 3.8222% | 845 |
| Loan and lease loss provision to assets | 0.1127% | 1,949 |
| Net operating income to assets | 1.1651% | 1,724 |
| Return on assets (ROA) | 1.1651% | 1,795 |
| Pretax return on assets | 1.1670% | 2,911 |
| Return on Equity (ROE) | 11.6600% | 1,484 |
| Retained earnings to average equity (ytd only) | 7.6918% | 1,391 |
| Net charge-offs to loans | 0.1413% | 1,655 |
| Credit loss provision to net charge-offs | 117.6471% | 1,831 |
| Earnings coverage of net charge-offs (x) | 13.3529% | 2,138 |
| Efficiency ratio | 74.9171% | 2,550 |
| Assets per employee ($millions) | 3.3628% | 5,052 |
| Cash dividends to net income (ytd only)* | 34.0323% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 2,455 |
| Loan loss allowance to noncurrent loans | 129.5428% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 3,006 |
| Noncurrent loans to loans | 1.1280% | 2,393 |
| Net loans and leases to total assets | 69.2442% | 2,449 |
| Net loans and leases to deposits | 84.2183% | 2,288 |
| Net loans and leases to core deposits | 84.6056% | 2,921 |
| Total domestic deposits to total assets | 82.2199% | 4,225 |
| Equity capital to assets | 10.0140% | 4,021 |
| Core capital (leverage) ratio | 10.1922% | 3,345 |
| Tier 1 risk-based capital ratio | 13.0919% | 4,464 |
| Total risk-based capital ratio | 14.3463% | 4,377 |
| Memoranda: | ||
| Average total assets | $106,431,000 | 4,413 |
| Average earning assets | $97,286,330 | 4,437 |
| Average equity | $10,634,670 | 4,632 |
| Average total loans | $72,176,000 | 4,102 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 791 |
| Cost of funding earning assets | 0.1208% | 6,111 |
| Net interest margin | 4.7162% | 399 |
| Noninterest income to average assets | 0.7596% | 1,868 |
| Noninterest expense to average assets | 3.6696% | 1,041 |
| Loan and lease loss provision to assets | 0.1134% | 1,822 |
| Net operating income to assets | 1.2547% | 1,392 |
| Return on assets (ROA) | 1.2547% | 1,480 |
| Pretax return on assets | 1.2547% | 2,450 |
| Return on Equity (ROE) | 12.5710% | 1,199 |
| Retained earnings to average equity (ytd only) | 9.0117% | 1,189 |
| Net charge-offs to loans | -0.0170% | 4,967 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8432% | 3,019 |
| Assets per employee ($millions) | 3.1812% | 5,439 |
| Cash dividends to net income (ytd only)* | 28.3133% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 1,981 |
| Loan loss allowance to noncurrent loans | 51.3649% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.0938% | 1,108 |
| Noncurrent loans to loans | 3.1493% | 655 |
| Net loans and leases to total assets | 65.4074% | 2,863 |
| Net loans and leases to deposits | 73.0359% | 3,427 |
| Net loans and leases to core deposits | 73.3519% | 3,841 |
| Total domestic deposits to total assets | 89.5551% | 966 |
| Equity capital to assets | 10.1677% | 3,923 |
| Core capital (leverage) ratio | 9.7069% | 4,005 |
| Tier 1 risk-based capital ratio | 13.0276% | 4,588 |
| Total risk-based capital ratio | 14.2802% | 4,498 |
| Memoranda: | ||
| Average total assets | $105,842,000 | 4,460 |
| Average earning assets | $96,009,000 | 4,508 |
| Average equity | $10,564,000 | 4,684 |
| Average total loans | $70,455,000 | 4,172 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1680% | 554 |
| Cost of funding earning assets | 0.1442% | 6,132 |
| Net interest margin | 5.0237% | 294 |
| Noninterest income to average assets | 0.6949% | 2,325 |
| Noninterest expense to average assets | 4.0227% | 735 |
| Loan and lease loss provision to assets | 0.1301% | 2,017 |
| Net operating income to assets | 1.1056% | 1,954 |
| Return on assets (ROA) | 1.1056% | 2,007 |
| Pretax return on assets | 1.1056% | 3,058 |
| Return on Equity (ROE) | 11.8161% | 1,462 |
| Retained earnings to average equity (ytd only) | 7.4868% | 1,197 |
| Net charge-offs to loans | 0.1022% | 3,045 |
| Credit loss provision to net charge-offs | 191.7808% | 1,289 |
| Earnings coverage of net charge-offs (x) | 18.2192% | 1,858 |
| Efficiency ratio | 76.5018% | 2,439 |
| Assets per employee ($millions) | 3.1384% | 5,518 |
| Cash dividends to net income (ytd only)* | 36.6387% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 2,296 |
| Loan loss allowance to noncurrent loans | 1,611.7647% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 5,766 |
| Noncurrent loans to loans | 0.0956% | 5,511 |
| Net loans and leases to total assets | 65.6211% | 2,961 |
| Net loans and leases to deposits | 73.1855% | 3,529 |
| Net loans and leases to core deposits | 73.4967% | 3,966 |
| Total domestic deposits to total assets | 89.6640% | 893 |
| Equity capital to assets | 9.7971% | 4,359 |
| Core capital (leverage) ratio | 9.4346% | 4,332 |
| Tier 1 risk-based capital ratio | 12.7498% | 4,886 |
| Total risk-based capital ratio | 14.0015% | 4,793 |
| Memoranda: | ||
| Average total assets | $107,638,200 | 4,426 |
| Average earning assets | $97,775,600 | 4,456 |
| Average equity | $10,071,000 | 4,735 |
| Average total loans | $71,406,800 | 4,140 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 635 |
| Cost of funding earning assets | 0.1443% | 6,219 |
| Net interest margin | 4.9632% | 320 |
| Noninterest income to average assets | 0.6823% | 2,416 |
| Noninterest expense to average assets | 3.8007% | 974 |
| Loan and lease loss provision to assets | 0.1360% | 1,836 |
| Net operating income to assets | 1.2508% | 1,523 |
| Return on assets (ROA) | 1.2508% | 1,577 |
| Pretax return on assets | 1.2508% | 2,570 |
| Return on Equity (ROE) | 13.5265% | 1,086 |
| Retained earnings to average equity (ytd only) | 9.2360% | 916 |
| Net charge-offs to loans | 0.1231% | 2,582 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 16.9995% | 1,931 |
| Efficiency ratio | 73.2666% | 2,946 |
| Assets per employee ($millions) | 3.2287% | 5,373 |
| Cash dividends to net income (ytd only)* | 31.7194% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 3,155 |
| Loan loss allowance to noncurrent loans | 1,490.2778% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 5,889 |
| Noncurrent loans to loans | 0.0942% | 5,664 |
| Net loans and leases to total assets | 68.6841% | 2,437 |
| Net loans and leases to deposits | 80.2773% | 2,652 |
| Net loans and leases to core deposits | 80.6249% | 3,236 |
| Total domestic deposits to total assets | 85.5586% | 3,092 |
| Equity capital to assets | 9.5304% | 4,758 |
| Core capital (leverage) ratio | 9.5475% | 4,307 |
| Tier 1 risk-based capital ratio | 12.0899% | 5,432 |
| Total risk-based capital ratio | 13.3396% | 5,350 |
| Memoranda: | ||
| Average total assets | $107,871,500 | 4,462 |
| Average earning assets | $97,917,750 | 4,500 |
| Average equity | $9,975,250 | 4,794 |
| Average total loans | $71,479,250 | 4,175 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 737 |
| Cost of funding earning assets | 0.1477% | 6,273 |
| Net interest margin | 4.8633% | 372 |
| Noninterest income to average assets | 0.6714% | 2,423 |
| Noninterest expense to average assets | 3.8177% | 948 |
| Loan and lease loss provision to assets | 0.5576% | 259 |
| Net operating income to assets | 0.7180% | 3,737 |
| Return on assets (ROA) | 0.7180% | 3,837 |
| Pretax return on assets | 0.7180% | 4,577 |
| Return on Equity (ROE) | 7.8467% | 3,188 |
| Retained earnings to average equity (ytd only) | 5.2787% | 2,780 |
| Net charge-offs to loans | 0.7334% | 519 |
| Credit loss provision to net charge-offs | 116.7969% | 1,744 |
| Earnings coverage of net charge-offs (x) | 2.6719% | 3,492 |
| Efficiency ratio | 74.9542% | 2,814 |
| Assets per employee ($millions) | 3.0591% | 5,674 |
| Cash dividends to net income (ytd only)* | 32.7273% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 3,121 |
| Loan loss allowance to noncurrent loans | 1,540.5797% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 5,982 |
| Noncurrent loans to loans | 0.0940% | 5,736 |
| Net loans and leases to total assets | 67.5947% | 2,488 |
| Net loans and leases to deposits | 78.8918% | 2,677 |
| Net loans and leases to core deposits | 79.2408% | 3,297 |
| Total domestic deposits to total assets | 85.6803% | 3,203 |
| Equity capital to assets | 9.3893% | 4,853 |
| Core capital (leverage) ratio | 9.2845% | 4,616 |
| Tier 1 risk-based capital ratio | 11.9953% | 5,541 |
| Total risk-based capital ratio | 13.2459% | 5,476 |
| Memoranda: | ||
| Average total assets | $107,237,000 | 4,508 |
| Average earning assets | $97,505,330 | 4,542 |
| Average equity | $9,813,000 | 4,843 |
| Average total loans | $69,815,330 | 4,241 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 918 |
| Cost of funding earning assets | 0.1521% | 6,345 |
| Net interest margin | 4.7136% | 456 |
| Noninterest income to average assets | 0.6783% | 2,298 |
| Noninterest expense to average assets | 3.6414% | 1,231 |
| Loan and lease loss provision to assets | 1.0063% | 108 |
| Net operating income to assets | 0.3056% | 5,470 |
| Return on assets (ROA) | 0.3056% | 5,520 |
| Pretax return on assets | 0.3056% | 5,703 |
| Return on Equity (ROE) | 3.3839% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.0633% | 4,780 |
| Net charge-offs to loans | 1.3940% | 233 |
| Credit loss provision to net charge-offs | 113.9241% | 1,506 |
| Earnings coverage of net charge-offs (x) | 1.4852% | 3,089 |
| Efficiency ratio | 73.5139% | 3,227 |
| Assets per employee ($millions) | 3.0260% | 5,817 |
| Cash dividends to net income (ytd only)* | 39.0244% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 2,859 |
| Loan loss allowance to noncurrent loans | 1,041.1765% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 5,682 |
| Noncurrent loans to loans | 0.1503% | 5,635 |
| Net loans and leases to total assets | 63.0636% | 3,064 |
| Net loans and leases to deposits | 69.6665% | 3,646 |
| Net loans and leases to core deposits | 69.9613% | 4,100 |
| Total domestic deposits to total assets | 90.5221% | 787 |
| Equity capital to assets | 9.2372% | 4,831 |
| Core capital (leverage) ratio | 8.7339% | 5,341 |
| Tier 1 risk-based capital ratio | 12.2231% | 5,492 |
| Total risk-based capital ratio | 13.4742% | 5,425 |
| Memoranda: | ||
| Average total assets | $107,321,000 | 4,549 |
| Average earning assets | $97,335,500 | 4,587 |
| Average equity | $9,693,000 | 4,892 |
| Average total loans | $68,005,000 | 4,328 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 1,132 |
| Cost of funding earning assets | 0.2040% | 6,267 |
| Net interest margin | 4.6757% | 532 |
| Noninterest income to average assets | 0.6798% | 2,649 |
| Noninterest expense to average assets | 3.9171% | 964 |
| Loan and lease loss provision to assets | 0.5302% | 513 |
| Net operating income to assets | 0.3815% | 5,213 |
| Return on assets (ROA) | 0.3815% | 5,329 |
| Pretax return on assets | 0.3815% | 5,535 |
| Return on Equity (ROE) | 4.2892% | 4,976 |
| Retained earnings to average equity (ytd only) | 2.5341% | 4,448 |
| Net charge-offs to loans | 0.3188% | 2,089 |
| Credit loss provision to net charge-offs | 274.6411% | 827 |
| Earnings coverage of net charge-offs (x) | 4.7225% | 3,477 |
| Efficiency ratio | 81.1209% | 2,008 |
| Assets per employee ($millions) | 3.1067% | 5,659 |
| Cash dividends to net income (ytd only)* | 40.9201% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 3,133 |
| Loan loss allowance to noncurrent loans | 69.2929% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.3657% | 2,703 |
| Noncurrent loans to loans | 2.1788% | 1,792 |
| Net loans and leases to total assets | 61.7375% | 3,403 |
| Net loans and leases to deposits | 67.9299% | 4,064 |
| Net loans and leases to core deposits | 68.2081% | 4,494 |
| Total domestic deposits to total assets | 90.8841% | 621 |
| Equity capital to assets | 8.8317% | 5,221 |
| Core capital (leverage) ratio | 8.7050% | 5,411 |
| Tier 1 risk-based capital ratio | 12.7000% | 5,173 |
| Total risk-based capital ratio | 13.9520% | 5,118 |
| Memoranda: | ||
| Average total assets | $108,267,800 | 4,541 |
| Average earning assets | $96,071,800 | 4,616 |
| Average equity | $9,628,800 | 4,941 |
| Average total loans | $65,558,800 | 4,427 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 1,138 |
| Cost of funding earning assets | 0.2131% | 6,335 |
| Net interest margin | 4.6803% | 533 |
| Noninterest income to average assets | 0.6682% | 2,788 |
| Noninterest expense to average assets | 3.9179% | 943 |
| Loan and lease loss provision to assets | 0.7076% | 311 |
| Net operating income to assets | 0.1862% | 5,944 |
| Return on assets (ROA) | 0.1862% | 6,016 |
| Pretax return on assets | 0.1862% | 6,059 |
| Return on Equity (ROE) | 2.0895% | 5,911 |
| Retained earnings to average equity (ytd only) | 0.4844% | 5,772 |
| Net charge-offs to loans | 0.0678% | 3,951 |
| Credit loss provision to net charge-offs | 1,739.3939% | 192 |
| Earnings coverage of net charge-offs (x) | 21.9691% | 1,522 |
| Efficiency ratio | 81.4245% | 1,911 |
| Assets per employee ($millions) | 3.2825% | 5,320 |
| Cash dividends to net income (ytd only)* | 76.8192% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 2,068 |
| Loan loss allowance to noncurrent loans | 109.1568% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.0413% | 3,569 |
| Noncurrent loans to loans | 1.7202% | 2,617 |
| Net loans and leases to total assets | 58.0824% | 3,999 |
| Net loans and leases to deposits | 63.7376% | 4,547 |
| Net loans and leases to core deposits | 63.9989% | 4,904 |
| Total domestic deposits to total assets | 91.1274% | 477 |
| Equity capital to assets | 8.6132% | 5,610 |
| Core capital (leverage) ratio | 8.7799% | 5,440 |
| Tier 1 risk-based capital ratio | 13.0037% | 5,121 |
| Total risk-based capital ratio | 14.2586% | 5,070 |
| Memoranda: | ||
| Average total assets | $108,151,500 | 4,583 |
| Average earning assets | $95,746,500 | 4,671 |
| Average equity | $9,635,250 | 4,992 |
| Average total loans | $64,909,000 | 4,491 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 1,207 |
| Cost of funding earning assets | 0.2181% | 6,379 |
| Net interest margin | 4.6364% | 564 |
| Noninterest income to average assets | 0.6938% | 2,672 |
| Noninterest expense to average assets | 3.9003% | 980 |
| Loan and lease loss provision to assets | 0.4145% | 736 |
| Net operating income to assets | 0.4700% | 4,923 |
| Return on assets (ROA) | 0.4700% | 5,103 |
| Pretax return on assets | 0.4700% | 5,461 |
| Return on Equity (ROE) | 5.2172% | 4,608 |
| Retained earnings to average equity (ytd only) | 3.4918% | 4,098 |
| Net charge-offs to loans | 0.0644% | 3,778 |
| Credit loss provision to net charge-offs | 1,066.6667% | 287 |
| Earnings coverage of net charge-offs (x) | 22.7619% | 1,354 |
| Efficiency ratio | 81.5159% | 1,961 |
| Assets per employee ($millions) | 2.8965% | 6,029 |
| Cash dividends to net income (ytd only)* | 33.0709% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 4,622 |
| Loan loss allowance to noncurrent loans | 57.1146% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.4155% | 2,980 |
| Noncurrent loans to loans | 2.2319% | 2,132 |
| Net loans and leases to total assets | 61.0050% | 3,486 |
| Net loans and leases to deposits | 69.3868% | 3,802 |
| Net loans and leases to core deposits | 69.6770% | 4,302 |
| Total domestic deposits to total assets | 87.9202% | 2,299 |
| Equity capital to assets | 8.6701% | 5,592 |
| Core capital (leverage) ratio | 8.9818% | 5,023 |
| Tier 1 risk-based capital ratio | 12.3866% | 5,582 |
| Total risk-based capital ratio | 13.5229% | 5,587 |
| Memoranda: | ||
| Average total assets | $108,094,670 | 4,603 |
| Average earning assets | $95,375,670 | 4,709 |
| Average equity | $9,737,000 | 4,999 |
| Average total loans | $65,172,000 | 4,495 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 1,611 |
| Cost of funding earning assets | 0.2287% | 6,422 |
| Net interest margin | 4.4450% | 742 |
| Noninterest income to average assets | 0.6909% | 2,644 |
| Noninterest expense to average assets | 3.9736% | 915 |
| Loan and lease loss provision to assets | 0.8216% | 261 |
| Net operating income to assets | -0.1120% | 6,454 |
| Return on assets (ROA) | -0.1120% | 6,503 |
| Pretax return on assets | -0.1120% | 6,490 |
| Return on Equity (ROE) | -1.2203% | 6,510 |
| Retained earnings to average equity (ytd only) | -2.4812% | 6,136 |
| Net charge-offs to loans | 0.1255% | 2,667 |
| Credit loss provision to net charge-offs | 1,100.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,824 |
| Efficiency ratio | 84.8485% | 1,657 |
| Assets per employee ($millions) | 2.6307% | 6,465 |
| Cash dividends to net income (ytd only)* | -103.3333% | 6,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,454 |
| Loan loss allowance to noncurrent loans | 142.8099% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 4,855 |
| Noncurrent loans to loans | 0.9471% | 4,250 |
| Net loans and leases to total assets | 59.8824% | 3,448 |
| Net loans and leases to deposits | 66.1804% | 4,028 |
| Net loans and leases to core deposits | 66.4617% | 4,474 |
| Total domestic deposits to total assets | 90.4835% | 776 |
| Equity capital to assets | 9.2913% | 5,142 |
| Core capital (leverage) ratio | 8.5650% | 5,488 |
| Tier 1 risk-based capital ratio | 12.7577% | 5,396 |
| Total risk-based capital ratio | 13.9532% | 5,379 |
| Memoranda: | ||
| Average total assets | $107,108,000 | 4,676 |
| Average earning assets | $96,197,500 | 4,734 |
| Average equity | $9,834,000 | 5,028 |
| Average total loans | $63,751,000 | 4,575 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 1,556 |
| Cost of funding earning assets | 0.2965% | 6,471 |
| Net interest margin | 4.7051% | 642 |
| Noninterest income to average assets | 0.7622% | 2,435 |
| Noninterest expense to average assets | 3.9378% | 1,056 |
| Loan and lease loss provision to assets | 0.5543% | 1,029 |
| Net operating income to assets | 0.5214% | 4,594 |
| Return on assets (ROA) | 0.5214% | 4,865 |
| Pretax return on assets | 0.5214% | 5,218 |
| Return on Equity (ROE) | 5.5626% | 4,392 |
| Retained earnings to average equity (ytd only) | 3.3953% | 3,840 |
| Net charge-offs to loans | 0.9774% | 1,117 |
| Credit loss provision to net charge-offs | 94.2434% | 3,303 |
| Earnings coverage of net charge-offs (x) | 1.8289% | 4,519 |
| Efficiency ratio | 78.5452% | 2,354 |
| Assets per employee ($millions) | 2.5950% | 6,545 |
| Cash dividends to net income (ytd only)* | 38.9610% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 5,788 |
| Loan loss allowance to noncurrent loans | 274.3802% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 5,899 |
| Noncurrent loans to loans | 0.3804% | 5,549 |
| Net loans and leases to total assets | 57.7687% | 4,021 |
| Net loans and leases to deposits | 63.7135% | 4,568 |
| Net loans and leases to core deposits | 63.9737% | 4,959 |
| Total domestic deposits to total assets | 90.6696% | 624 |
| Equity capital to assets | 9.0753% | 5,432 |
| Core capital (leverage) ratio | 8.7128% | 5,311 |
| Tier 1 risk-based capital ratio | 12.6738% | 5,345 |
| Total risk-based capital ratio | 13.5805% | 5,532 |
| Memoranda: | ||
| Average total assets | $103,382,800 | 4,753 |
| Average earning assets | $93,410,200 | 4,767 |
| Average equity | $9,689,800 | 5,057 |
| Average total loans | $62,203,800 | 4,626 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 1,601 |
| Cost of funding earning assets | 0.3101% | 6,563 |
| Net interest margin | 4.7229% | 641 |
| Noninterest income to average assets | 0.7191% | 2,622 |
| Noninterest expense to average assets | 4.0228% | 911 |
| Loan and lease loss provision to assets | 0.6249% | 854 |
| Net operating income to assets | 0.3530% | 5,421 |
| Return on assets (ROA) | 0.3530% | 5,630 |
| Pretax return on assets | 0.3530% | 5,830 |
| Return on Equity (ROE) | 3.7345% | 5,388 |
| Retained earnings to average equity (ytd only) | 1.2725% | 5,662 |
| Net charge-offs to loans | -0.0022% | 6,209 |
| Credit loss provision to net charge-offs | -47,800.0000% | 6,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4444% | 2,026 |
| Assets per employee ($millions) | 2.6111% | 6,585 |
| Cash dividends to net income (ytd only)* | 65.9268% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 2,828 |
| Loan loss allowance to noncurrent loans | 142.2705% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 1.3965% | 3,513 |
| Noncurrent loans to loans | 1.2568% | 3,955 |
| Net loans and leases to total assets | 60.4405% | 3,684 |
| Net loans and leases to deposits | 68.0815% | 4,169 |
| Net loans and leases to core deposits | 68.3707% | 4,688 |
| Total domestic deposits to total assets | 88.7767% | 1,548 |
| Equity capital to assets | 9.0646% | 5,756 |
| Core capital (leverage) ratio | 8.8511% | 5,263 |
| Tier 1 risk-based capital ratio | 12.2120% | 5,828 |
| Total risk-based capital ratio | 13.4666% | 5,801 |
| Memoranda: | ||
| Average total assets | $101,981,500 | 4,827 |
| Average earning assets | $92,455,250 | 4,836 |
| Average equity | $9,639,500 | 5,117 |
| Average total loans | $61,848,500 | 4,690 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 1,702 |
| Cost of funding earning assets | 0.3281% | 6,606 |
| Net interest margin | 4.7056% | 666 |
| Noninterest income to average assets | 0.7359% | 2,488 |
| Noninterest expense to average assets | 4.0722% | 862 |
| Loan and lease loss provision to assets | 0.7638% | 677 |
| Net operating income to assets | 0.1615% | 6,018 |
| Return on assets (ROA) | 0.1615% | 6,190 |
| Pretax return on assets | 0.1615% | 6,207 |
| Return on Equity (ROE) | 1.6843% | 6,138 |
| Retained earnings to average equity (ytd only) | -0.4783% | 6,119 |
| Net charge-offs to loans | -0.0066% | 6,214 |
| Credit loss provision to net charge-offs | -19,150.0000% | 6,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4844% | 1,966 |
| Assets per employee ($millions) | 2.2146% | 6,963 |
| Cash dividends to net income (ytd only)* | 128.3951% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 3,398 |
| Loan loss allowance to noncurrent loans | 121.9348% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.5614% | 3,364 |
| Noncurrent loans to loans | 1.3599% | 3,886 |
| Net loans and leases to total assets | 64.5096% | 2,936 |
| Net loans and leases to deposits | 73.1865% | 3,431 |
| Net loans and leases to core deposits | 73.5221% | 4,093 |
| Total domestic deposits to total assets | 88.1441% | 2,043 |
| Equity capital to assets | 9.5911% | 4,927 |
| Core capital (leverage) ratio | 9.1389% | 4,705 |
| Tier 1 risk-based capital ratio | 11.8164% | 6,045 |
| Total risk-based capital ratio | 13.0685% | 6,017 |
| Memoranda: | ||
| Average total assets | $100,290,670 | 4,894 |
| Average earning assets | $90,828,330 | 4,905 |
| Average equity | $9,618,000 | 5,132 |
| Average total loans | $60,504,000 | 4,773 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 2,153 |
| Cost of funding earning assets | 0.3383% | 6,688 |
| Net interest margin | 4.5869% | 843 |
| Noninterest income to average assets | 0.7276% | 2,513 |
| Noninterest expense to average assets | 3.9520% | 993 |
| Loan and lease loss provision to assets | 0.1869% | 3,092 |
| Net operating income to assets | 0.7395% | 3,681 |
| Return on assets (ROA) | 0.7395% | 3,920 |
| Pretax return on assets | 0.7395% | 4,653 |
| Return on Equity (ROE) | 7.7114% | 3,408 |
| Retained earnings to average equity (ytd only) | 4.7264% | 3,729 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0106% | 2,076 |
| Assets per employee ($millions) | 2.3171% | 6,984 |
| Cash dividends to net income (ytd only)* | 38.7097% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 5,303 |
| Loan loss allowance to noncurrent loans | 114.4172% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4874% | 3,634 |
| Noncurrent loans to loans | 1.0855% | 4,519 |
| Net loans and leases to total assets | 59.5337% | 3,769 |
| Net loans and leases to deposits | 66.1584% | 4,355 |
| Net loans and leases to core deposits | 66.4549% | 4,863 |
| Total domestic deposits to total assets | 89.9866% | 1,095 |
| Equity capital to assets | 9.7354% | 4,475 |
| Core capital (leverage) ratio | 9.0014% | 4,843 |
| Tier 1 risk-based capital ratio | 12.5166% | 5,586 |
| Total risk-based capital ratio | 13.5466% | 5,720 |
| Memoranda: | ||
| Average total assets | $100,608,500 | 4,926 |
| Average earning assets | $91,042,000 | 4,933 |
| Average equity | $9,648,000 | 5,134 |
| Average total loans | $58,070,500 | 4,901 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 2,625 |
| Cost of funding earning assets | 0.4319% | 6,796 |
| Net interest margin | 4.6248% | 874 |
| Noninterest income to average assets | 0.7815% | 2,155 |
| Noninterest expense to average assets | 4.2075% | 800 |
| Loan and lease loss provision to assets | 0.2197% | 3,998 |
| Net operating income to assets | 0.5386% | 4,279 |
| Return on assets (ROA) | 0.5513% | 4,411 |
| Pretax return on assets | 0.5513% | 4,830 |
| Return on Equity (ROE) | 5.5565% | 4,102 |
| Retained earnings to average equity (ytd only) | 1.6606% | 5,023 |
| Net charge-offs to loans | 0.3252% | 3,765 |
| Credit loss provision to net charge-offs | 116.8539% | 2,762 |
| Earnings coverage of net charge-offs (x) | 4.0337% | 3,295 |
| Efficiency ratio | 84.3896% | 1,721 |
| Assets per employee ($millions) | 2.4186% | 6,901 |
| Cash dividends to net income (ytd only)* | 70.1149% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 5,192 |
| Loan loss allowance to noncurrent loans | 60.0515% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.7631% | 3,307 |
| Noncurrent loans to loans | 2.0757% | 3,103 |
| Net loans and leases to total assets | 54.5171% | 4,946 |
| Net loans and leases to deposits | 60.4291% | 5,443 |
| Net loans and leases to core deposits | 60.6940% | 5,784 |
| Total domestic deposits to total assets | 90.2167% | 870 |
| Equity capital to assets | 9.4466% | 4,972 |
| Core capital (leverage) ratio | 8.8633% | 5,004 |
| Tier 1 risk-based capital ratio | 14.0781% | 4,272 |
| Total risk-based capital ratio | 15.1774% | 4,337 |
| Memoranda: | ||
| Average total assets | $94,687,200 | 5,057 |
| Average earning assets | $85,669,200 | 5,063 |
| Average equity | $9,394,400 | 5,183 |
| Average total loans | $54,741,000 | 5,081 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1194% | 2,514 |
| Cost of funding earning assets | 0.4497% | 6,880 |
| Net interest margin | 4.6697% | 813 |
| Noninterest income to average assets | 0.9021% | 1,641 |
| Noninterest expense to average assets | 4.3170% | 705 |
| Loan and lease loss provision to assets | 0.2768% | 3,300 |
| Net operating income to assets | 0.5378% | 4,371 |
| Return on assets (ROA) | 0.5550% | 4,473 |
| Pretax return on assets | 0.5550% | 4,952 |
| Return on Equity (ROE) | 5.5222% | 4,275 |
| Retained earnings to average equity (ytd only) | 1.4697% | 5,408 |
| Net charge-offs to loans | 0.1152% | 4,866 |
| Credit loss provision to net charge-offs | 410.6383% | 697 |
| Earnings coverage of net charge-offs (x) | 12.0841% | 1,741 |
| Efficiency ratio | 83.6780% | 1,763 |
| Assets per employee ($millions) | 2.1904% | 7,150 |
| Cash dividends to net income (ytd only)* | 73.3851% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 4,500 |
| Loan loss allowance to noncurrent loans | 236.2319% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 4,597 |
| Noncurrent loans to loans | 0.5981% | 5,682 |
| Net loans and leases to total assets | 59.0016% | 4,319 |
| Net loans and leases to deposits | 65.8430% | 4,930 |
| Net loans and leases to core deposits | 65.8430% | 5,432 |
| Total domestic deposits to total assets | 89.6096% | 1,089 |
| Equity capital to assets | 9.9474% | 4,412 |
| Core capital (leverage) ratio | 9.7204% | 3,815 |
| Tier 1 risk-based capital ratio | 13.0617% | 5,050 |
| Total risk-based capital ratio | 14.2580% | 5,062 |
| Memoranda: | ||
| Average total assets | $92,963,750 | 5,140 |
| Average earning assets | $84,200,750 | 5,154 |
| Average equity | $9,344,000 | 5,224 |
| Average total loans | $54,406,750 | 5,146 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 3,458 |
| Cost of funding earning assets | 0.4702% | 6,950 |
| Net interest margin | 4.4665% | 1,212 |
| Noninterest income to average assets | 0.9562% | 1,443 |
| Noninterest expense to average assets | 4.4170% | 657 |
| Loan and lease loss provision to assets | 0.3180% | 2,884 |
| Net operating income to assets | 0.2766% | 5,460 |
| Return on assets (ROA) | 0.3027% | 5,500 |
| Pretax return on assets | 0.3027% | 5,664 |
| Return on Equity (ROE) | 3.0012% | 5,390 |
| Retained earnings to average equity (ytd only) | 1.7705% | 5,109 |
| Net charge-offs to loans | 0.0825% | 4,817 |
| Credit loss provision to net charge-offs | 663.6364% | 471 |
| Earnings coverage of net charge-offs (x) | 12.4091% | 1,630 |
| Efficiency ratio | 87.6575% | 1,452 |
| Assets per employee ($millions) | 2.0560% | 7,261 |
| Cash dividends to net income (ytd only)* | 41.0072% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 4,684 |
| Loan loss allowance to noncurrent loans | 113.6103% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.5431% | 3,885 |
| Noncurrent loans to loans | 1.2138% | 4,634 |
| Net loans and leases to total assets | 62.6899% | 3,745 |
| Net loans and leases to deposits | 70.4938% | 4,369 |
| Net loans and leases to core deposits | 70.4938% | 5,010 |
| Total domestic deposits to total assets | 88.9295% | 1,578 |
| Equity capital to assets | 10.4105% | 3,625 |
| Core capital (leverage) ratio | 9.7249% | 3,631 |
| Tier 1 risk-based capital ratio | 13.2700% | 4,712 |
| Total risk-based capital ratio | 14.4562% | 4,741 |
| Memoranda: | ||
| Average total assets | $91,826,000 | 5,215 |
| Average earning assets | $83,376,000 | 5,218 |
| Average equity | $9,263,000 | 5,249 |
| Average total loans | $53,316,000 | 5,234 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 4,266 |
| Cost of funding earning assets | 0.4756% | 7,048 |
| Net interest margin | 4.2808% | 1,621 |
| Noninterest income to average assets | 0.9772% | 1,399 |
| Noninterest expense to average assets | 4.4667% | 613 |
| Loan and lease loss provision to assets | 0.4411% | 2,000 |
| Net operating income to assets | -0.0389% | 6,399 |
| Return on assets (ROA) | -0.0389% | 6,418 |
| Pretax return on assets | -0.0389% | 6,394 |
| Return on Equity (ROE) | -0.3919% | 6,422 |
| Retained earnings to average equity (ytd only) | -0.3919% | 5,862 |
| Net charge-offs to loans | 0.1171% | 3,831 |
| Credit loss provision to net charge-offs | 680.0000% | 556 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,139 |
| Efficiency ratio | 91.2078% | 1,226 |
| Assets per employee ($millions) | 2.1069% | 7,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 4,341 |
| Loan loss allowance to noncurrent loans | 268.0851% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 1.0817% | 4,763 |
| Noncurrent loans to loans | 0.5490% | 5,927 |
| Net loans and leases to total assets | 55.8650% | 5,014 |
| Net loans and leases to deposits | 62.6588% | 5,426 |
| Net loans and leases to core deposits | 62.6588% | 5,858 |
| Total domestic deposits to total assets | 89.1575% | 1,674 |
| Equity capital to assets | 10.2001% | 3,538 |
| Core capital (leverage) ratio | 9.3936% | 3,971 |
| Tier 1 risk-based capital ratio | 14.0948% | 4,008 |
| Total risk-based capital ratio | 15.3090% | 4,013 |
| Memoranda: | ||
| Average total assets | $92,506,000 | 5,220 |
| Average earning assets | $84,095,500 | 5,227 |
| Average equity | $9,185,500 | 5,265 |
| Average total loans | $51,221,000 | 5,355 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 4,178 |
| Cost of funding earning assets | 0.5653% | 7,194 |
| Net interest margin | 4.5174% | 1,193 |
| Noninterest income to average assets | 0.3006% | 5,643 |
| Noninterest expense to average assets | 4.3934% | 728 |
| Loan and lease loss provision to assets | 0.2438% | 4,851 |
| Net operating income to assets | -0.2459% | 6,155 |
| Return on assets (ROA) | 0.2501% | 5,261 |
| Pretax return on assets | 0.2501% | 5,355 |
| Return on Equity (ROE) | 2.5669% | 5,143 |
| Retained earnings to average equity (ytd only) | -0.9167% | 5,791 |
| Net charge-offs to loans | 0.5736% | 3,331 |
| Credit loss provision to net charge-offs | 76.5677% | 5,679 |
| Earnings coverage of net charge-offs (x) | -0.0066% | 6,134 |
| Efficiency ratio | 99.5213% | 790 |
| Assets per employee ($millions) | 2.0981% | 7,371 |
| Cash dividends to net income (ytd only)* | 135.7143% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,952 |
| Loan loss allowance to noncurrent loans | 150.3371% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 1.2106% | 4,604 |
| Noncurrent loans to loans | 0.8713% | 5,321 |
| Net loans and leases to total assets | 53.3866% | 5,718 |
| Net loans and leases to deposits | 59.6107% | 6,099 |
| Net loans and leases to core deposits | 59.6107% | 6,425 |
| Total domestic deposits to total assets | 89.5589% | 1,353 |
| Equity capital to assets | 9.6701% | 4,189 |
| Core capital (leverage) ratio | 9.3020% | 4,008 |
| Tier 1 risk-based capital ratio | 14.9181% | 3,293 |
| Total risk-based capital ratio | 16.1569% | 3,256 |
| Memoranda: | ||
| Average total assets | $95,143,000 | 5,121 |
| Average earning assets | $86,155,600 | 5,141 |
| Average equity | $9,272,000 | 5,337 |
| Average total loans | $52,826,000 | 5,365 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 4,408 |
| Cost of funding earning assets | 0.5848% | 7,318 |
| Net interest margin | 4.4989% | 1,257 |
| Noninterest income to average assets | 0.3595% | 5,290 |
| Noninterest expense to average assets | 4.4101% | 658 |
| Loan and lease loss provision to assets | 0.2965% | 4,203 |
| Net operating income to assets | -0.2797% | 6,413 |
| Return on assets (ROA) | 0.3049% | 5,320 |
| Pretax return on assets | 0.3049% | 5,494 |
| Return on Equity (ROE) | 3.1229% | 5,172 |
| Retained earnings to average equity (ytd only) | -0.3725% | 5,877 |
| Net charge-offs to loans | 0.3805% | 3,775 |
| Credit loss provision to net charge-offs | 139.4737% | 2,858 |
| Earnings coverage of net charge-offs (x) | 0.0789% | 5,954 |
| Efficiency ratio | 99.1153% | 771 |
| Assets per employee ($millions) | 2.0285% | 7,503 |
| Cash dividends to net income (ytd only)* | 111.9280% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 4,493 |
| Loan loss allowance to noncurrent loans | 118.1684% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 2.1090% | 3,321 |
| Noncurrent loans to loans | 1.1796% | 4,887 |
| Net loans and leases to total assets | 60.6496% | 4,790 |
| Net loans and leases to deposits | 72.4431% | 4,769 |
| Net loans and leases to core deposits | 72.8844% | 5,416 |
| Total domestic deposits to total assets | 83.7204% | 4,264 |
| Equity capital to assets | 10.1765% | 3,914 |
| Core capital (leverage) ratio | 9.2806% | 4,236 |
| Tier 1 risk-based capital ratio | 13.6924% | 4,058 |
| Total risk-based capital ratio | 14.9435% | 4,015 |
| Memoranda: | ||
| Average total assets | $95,325,000 | 5,181 |
| Average earning assets | $86,181,500 | 5,198 |
| Average equity | $9,307,500 | 5,402 |
| Average total loans | $53,264,000 | 5,421 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8283% | 5,689 |
| Cost of funding earning assets | 0.6070% | 7,393 |
| Net interest margin | 4.2214% | 2,088 |
| Noninterest income to average assets | 0.3979% | 4,932 |
| Noninterest expense to average assets | 4.3981% | 648 |
| Loan and lease loss provision to assets | 0.3813% | 3,428 |
| Net operating income to assets | -0.5563% | 6,703 |
| Return on assets (ROA) | 0.0833% | 6,017 |
| Pretax return on assets | 0.0833% | 6,011 |
| Return on Equity (ROE) | 0.8654% | 5,988 |
| Retained earnings to average equity (ytd only) | -0.7788% | 5,922 |
| Net charge-offs to loans | 0.6052% | 2,719 |
| Credit loss provision to net charge-offs | 116.5605% | 3,482 |
| Earnings coverage of net charge-offs (x) | -0.5350% | 6,027 |
| Efficiency ratio | 103.6014% | 695 |
| Assets per employee ($millions) | 1.9891% | 7,581 |
| Cash dividends to net income (ytd only)* | 190.0000% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 4,595 |
| Loan loss allowance to noncurrent loans | 117.3047% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 2.1875% | 3,274 |
| Noncurrent loans to loans | 1.1644% | 5,011 |
| Net loans and leases to total assets | 59.1676% | 5,217 |
| Net loans and leases to deposits | 67.4487% | 5,620 |
| Net loans and leases to core deposits | 67.8383% | 6,067 |
| Total domestic deposits to total assets | 87.7224% | 2,155 |
| Equity capital to assets | 9.8270% | 4,234 |
| Core capital (leverage) ratio | 9.3241% | 4,072 |
| Tier 1 risk-based capital ratio | 13.6215% | 3,991 |
| Total risk-based capital ratio | 14.8715% | 3,953 |
| Memoranda: | ||
| Average total assets | $95,995,670 | 5,193 |
| Average earning assets | $86,986,330 | 5,209 |
| Average equity | $9,244,670 | 5,434 |
| Average total loans | $51,887,330 | 5,523 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 6,494 |
| Cost of funding earning assets | 0.6482% | 7,446 |
| Net interest margin | 3.9753% | 2,975 |
| Noninterest income to average assets | 0.0494% | 7,465 |
| Noninterest expense to average assets | 4.4792% | 594 |
| Loan and lease loss provision to assets | 0.5553% | 2,282 |
| Net operating income to assets | -1.3779% | 7,285 |
| Return on assets (ROA) | -0.2303% | 6,648 |
| Pretax return on assets | -0.2303% | 6,580 |
| Return on Equity (ROE) | -2.4155% | 6,682 |
| Retained earnings to average equity (ytd only) | -4.0114% | 6,496 |
| Net charge-offs to loans | 1.2613% | 1,351 |
| Credit loss provision to net charge-offs | 85.9873% | 3,751 |
| Earnings coverage of net charge-offs (x) | -1.2739% | 5,412 |
| Efficiency ratio | 121.9348% | 421 |
| Assets per employee ($millions) | 2.1107% | 7,608 |
| Cash dividends to net income (ytd only)* | -66.0714% | 7,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 4,143 |
| Loan loss allowance to noncurrent loans | 78.6418% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 2.4268% | 2,994 |
| Noncurrent loans to loans | 1.8526% | 3,985 |
| Net loans and leases to total assets | 51.1286% | 6,362 |
| Net loans and leases to deposits | 56.7802% | 6,719 |
| Net loans and leases to core deposits | 57.0940% | 6,930 |
| Total domestic deposits to total assets | 90.0465% | 963 |
| Equity capital to assets | 9.6029% | 4,376 |
| Core capital (leverage) ratio | 8.9997% | 4,571 |
| Tier 1 risk-based capital ratio | 14.2569% | 3,508 |
| Total risk-based capital ratio | 15.5076% | 3,476 |
| Memoranda: | ||
| Average total assets | $97,250,000 | 5,227 |
| Average earning assets | $88,245,500 | 5,230 |
| Average equity | $9,273,500 | 5,463 |
| Average total loans | $49,791,000 | 5,678 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 6,499 |
| Cost of funding earning assets | 1.0412% | 7,116 |
| Net interest margin | 3.9382% | 3,126 |
| Noninterest income to average assets | 0.7634% | 2,597 |
| Noninterest expense to average assets | 4.1079% | 1,216 |
| Loan and lease loss provision to assets | 0.1959% | 5,771 |
| Net operating income to assets | 0.0805% | 5,266 |
| Return on assets (ROA) | 0.2454% | 4,817 |
| Pretax return on assets | 0.2454% | 4,900 |
| Return on Equity (ROE) | 2.7186% | 4,619 |
| Retained earnings to average equity (ytd only) | -0.2364% | 4,999 |
| Net charge-offs to loans | 0.5582% | 3,549 |
| Credit loss provision to net charge-offs | 67.1096% | 6,543 |
| Earnings coverage of net charge-offs (x) | 0.9468% | 5,164 |
| Efficiency ratio | 93.2080% | 1,470 |
| Assets per employee ($millions) | 2.1634% | 7,602 |
| Cash dividends to net income (ytd only)* | 108.6957% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 3,889 |
| Loan loss allowance to noncurrent loans | 42.6022% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 2.6417% | 2,662 |
| Noncurrent loans to loans | 3.4532% | 2,201 |
| Net loans and leases to total assets | 49.8010% | 6,664 |
| Net loans and leases to deposits | 55.2618% | 6,968 |
| Net loans and leases to core deposits | 62.9027% | 7,158 |
| Total domestic deposits to total assets | 90.1184% | 909 |
| Equity capital to assets | 9.4717% | 4,456 |
| Core capital (leverage) ratio | 8.7113% | 4,906 |
| Tier 1 risk-based capital ratio | 14.3950% | 3,265 |
| Total risk-based capital ratio | 15.6454% | 3,217 |
| Memoranda: | ||
| Average total assets | $103,093,400 | 5,011 |
| Average earning assets | $94,790,600 | 4,984 |
| Average equity | $9,306,400 | 5,507 |
| Average total loans | $53,921,600 | 5,508 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0163% | 6,556 |
| Cost of funding earning assets | 1.1171% | 7,142 |
| Net interest margin | 3.8993% | 3,238 |
| Noninterest income to average assets | 0.7757% | 2,572 |
| Noninterest expense to average assets | 4.0401% | 1,224 |
| Loan and lease loss provision to assets | 0.0782% | 6,585 |
| Net operating income to assets | 0.2513% | 4,983 |
| Return on assets (ROA) | 0.2975% | 4,901 |
| Pretax return on assets | 0.2975% | 5,070 |
| Return on Equity (ROE) | 3.3346% | 4,645 |
| Retained earnings to average equity (ytd only) | 0.5318% | 4,988 |
| Net charge-offs to loans | 0.1702% | 5,031 |
| Credit loss provision to net charge-offs | 87.1429% | 5,563 |
| Earnings coverage of net charge-offs (x) | 3.6715% | 3,429 |
| Efficiency ratio | 91.9601% | 1,546 |
| Assets per employee ($millions) | 2.1942% | 7,620 |
| Cash dividends to net income (ytd only)* | 84.0494% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 3,520 |
| Loan loss allowance to noncurrent loans | 37.6759% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 2.1827% | 3,118 |
| Noncurrent loans to loans | 3.9449% | 1,865 |
| Net loans and leases to total assets | 54.5065% | 6,323 |
| Net loans and leases to deposits | 60.4251% | 6,793 |
| Net loans and leases to core deposits | 71.1603% | 6,902 |
| Total domestic deposits to total assets | 90.2052% | 697 |
| Equity capital to assets | 9.4579% | 4,802 |
| Core capital (leverage) ratio | 8.8791% | 4,844 |
| Tier 1 risk-based capital ratio | 13.9115% | 3,604 |
| Total risk-based capital ratio | 15.1627% | 3,546 |
| Memoranda: | ||
| Average total assets | $103,987,250 | 5,015 |
| Average earning assets | $95,844,250 | 4,986 |
| Average equity | $9,276,500 | 5,566 |
| Average total loans | $54,826,750 | 5,526 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8962% | 7,036 |
| Cost of funding earning assets | 1.2044% | 7,094 |
| Net interest margin | 3.6918% | 3,984 |
| Noninterest income to average assets | 0.8000% | 2,410 |
| Noninterest expense to average assets | 4.1045% | 1,186 |
| Loan and lease loss provision to assets | 0.0590% | 6,629 |
| Net operating income to assets | 0.0400% | 5,729 |
| Return on assets (ROA) | 0.0400% | 5,820 |
| Pretax return on assets | 0.0400% | 5,794 |
| Return on Equity (ROE) | 0.4572% | 5,798 |
| Retained earnings to average equity (ytd only) | -2.4819% | 5,858 |
| Net charge-offs to loans | 0.2643% | 3,869 |
| Credit loss provision to net charge-offs | 43.0556% | 5,859 |
| Earnings coverage of net charge-offs (x) | 0.7222% | 4,998 |
| Efficiency ratio | 97.1454% | 1,307 |
| Assets per employee ($millions) | 2.1736% | 7,704 |
| Cash dividends to net income (ytd only)* | 642.8571% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 3,642 |
| Loan loss allowance to noncurrent loans | 35.0769% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 2.2612% | 2,882 |
| Noncurrent loans to loans | 4.0368% | 1,672 |
| Net loans and leases to total assets | 54.3843% | 6,398 |
| Net loans and leases to deposits | 59.9788% | 6,891 |
| Net loans and leases to core deposits | 71.7575% | 6,913 |
| Total domestic deposits to total assets | 90.6725% | 566 |
| Equity capital to assets | 8.8479% | 5,527 |
| Core capital (leverage) ratio | 8.5177% | 5,417 |
| Tier 1 risk-based capital ratio | 13.4755% | 3,827 |
| Total risk-based capital ratio | 14.7261% | 3,763 |
| Memoranda: | ||
| Average total assets | $105,006,000 | 5,014 |
| Average earning assets | $96,809,000 | 4,979 |
| Average equity | $9,186,670 | 5,614 |
| Average total loans | $54,487,670 | 5,580 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 7,492 |
| Cost of funding earning assets | 1.3174% | 6,969 |
| Net interest margin | 3.3950% | 5,158 |
| Noninterest income to average assets | 0.8682% | 2,001 |
| Noninterest expense to average assets | 4.0778% | 1,093 |
| Loan and lease loss provision to assets | 0.0564% | 6,256 |
| Net operating income to assets | -0.1278% | 6,452 |
| Return on assets (ROA) | -0.1278% | 6,558 |
| Pretax return on assets | -0.1278% | 6,500 |
| Return on Equity (ROE) | -1.4686% | 6,606 |
| Retained earnings to average equity (ytd only) | -1.4686% | 5,991 |
| Net charge-offs to loans | 0.0149% | 5,378 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | -9.5000% | 5,615 |
| Efficiency ratio | 101.3133% | 1,076 |
| Assets per employee ($millions) | 2.2721% | 7,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 2,328 |
| Loan loss allowance to noncurrent loans | 35.5444% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 2.3260% | 2,468 |
| Noncurrent loans to loans | 4.6264% | 1,219 |
| Net loans and leases to total assets | 48.7576% | 6,962 |
| Net loans and leases to deposits | 53.7520% | 7,306 |
| Net loans and leases to core deposits | 64.8152% | 7,284 |
| Total domestic deposits to total assets | 90.7085% | 511 |
| Equity capital to assets | 8.9097% | 5,460 |
| Core capital (leverage) ratio | 8.3267% | 5,855 |
| Tier 1 risk-based capital ratio | 13.7231% | 3,727 |
| Total risk-based capital ratio | 14.9736% | 3,654 |
| Memoranda: | ||
| Average total assets | $106,429,000 | 4,995 |
| Average earning assets | $98,379,000 | 4,960 |
| Average equity | $9,260,500 | 5,614 |
| Average total loans | $53,553,000 | 5,655 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0982% | 5,054 |
| Cost of funding earning assets | 2.1144% | 5,985 |
| Net interest margin | 3.9838% | 3,199 |
| Noninterest income to average assets | 0.9123% | 1,912 |
| Noninterest expense to average assets | 3.8650% | 1,630 |
| Loan and lease loss provision to assets | 0.1177% | 5,865 |
| Net operating income to assets | 0.5837% | 4,374 |
| Return on assets (ROA) | 0.6043% | 4,144 |
| Pretax return on assets | 0.6043% | 4,680 |
| Return on Equity (ROE) | 7.0276% | 3,517 |
| Retained earnings to average equity (ytd only) | 7.0276% | 1,144 |
| Net charge-offs to loans | 0.0338% | 6,346 |
| Credit loss provision to net charge-offs | 631.5789% | 678 |
| Earnings coverage of net charge-offs (x) | 37.6316% | 980 |
| Efficiency ratio | 84.1676% | 2,038 |
| Assets per employee ($millions) | 2.3052% | 7,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 2,596 |
| Loan loss allowance to noncurrent loans | 33.7219% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 2.2964% | 2,118 |
| Noncurrent loans to loans | 4.4995% | 1,064 |
| Net loans and leases to total assets | 50.2626% | 7,007 |
| Net loans and leases to deposits | 58.3097% | 7,188 |
| Net loans and leases to core deposits | 71.4449% | 7,110 |
| Total domestic deposits to total assets | 86.1994% | 2,314 |
| Equity capital to assets | 8.4999% | 6,082 |
| Core capital (leverage) ratio | 8.1750% | 6,215 |
| Tier 1 risk-based capital ratio | 13.4514% | 3,852 |
| Total risk-based capital ratio | 14.7019% | 3,751 |
| Memoranda: | ||
| Average total assets | $101,940,200 | 4,996 |
| Average earning assets | $93,503,200 | 4,982 |
| Average equity | $8,765,400 | 5,823 |
| Average total loans | $56,283,600 | 5,434 |