Home > The First National Bank of Eldorado > Performance and Condition Ratios
The First National Bank of Eldorado, 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 | 7.6644% | 138 |
| Cost of funding earning assets | 1.4101% | 2,206 |
| Net interest margin | 6.2543% | 93 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 3.1381% | 905 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.9730% | 166 |
| Return on assets (ROA) | 2.9730% | 164 |
| Pretax return on assets | 2.9730% | 212 |
| Return on Equity (ROE) | 19.1300% | 694 |
| Retained earnings to average equity (ytd only) | 9.6374% | 1,110 |
| Net charge-offs to loans | 0.0823% | 1,041 |
| Credit loss provision to net charge-offs | 213.4615% | 1,178 |
| Earnings coverage of net charge-offs (x) | 51.6346% | 1,272 |
| Efficiency ratio | 50.2962% | 3,963 |
| Assets per employee ($millions) | 5.2686% | 3,419 |
| Cash dividends to net income (ytd only)* | 49.6115% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6204% | 803 |
| Loan loss allowance to noncurrent loans | 2,202.0833% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 1,463 |
| Noncurrent loans to loans | 0.0736% | 3,190 |
| Net loans and leases to total assets | 71.6500% | 1,624 |
| Net loans and leases to deposits | 85.2609% | 1,672 |
| Net loans and leases to core deposits | 102.8825% | 1,287 |
| Total domestic deposits to total assets | 84.0400% | 2,608 |
| Equity capital to assets | 15.4175% | 516 |
| Core capital (leverage) ratio | 15.0286% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $86,580,200 | 3,954 |
| Average earning assets | $80,280,600 | 3,928 |
| Average equity | $13,458,000 | 3,382 |
| Average total loans | $63,151,800 | 3,660 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3987% | 155 |
| Cost of funding earning assets | 1.1369% | 2,639 |
| Net interest margin | 6.2619% | 84 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 3.0803% | 955 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 2.9933% | 181 |
| Return on assets (ROA) | 2.9933% | 183 |
| Pretax return on assets | 2.9933% | 238 |
| Return on Equity (ROE) | 19.2200% | 799 |
| Retained earnings to average equity (ytd only) | 18.8075% | 306 |
| Net charge-offs to loans | 0.1064% | 743 |
| Credit loss provision to net charge-offs | 224.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 40.7800% | 1,434 |
| Efficiency ratio | 49.3038% | 3,960 |
| Assets per employee ($millions) | 5.8728% | 2,863 |
| Cash dividends to net income (ytd only)* | 2.1277% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 916 |
| Loan loss allowance to noncurrent loans | 2,038.4615% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 1,575 |
| Noncurrent loans to loans | 0.0777% | 3,202 |
| Net loans and leases to total assets | 70.0700% | 1,820 |
| Net loans and leases to deposits | 88.8965% | 1,312 |
| Net loans and leases to core deposits | 107.5796% | 955 |
| Total domestic deposits to total assets | 78.8200% | 3,726 |
| Equity capital to assets | 15.2514% | 509 |
| Core capital (leverage) ratio | 15.8094% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $85,833,500 | 3,981 |
| Average earning assets | $79,867,500 | 3,948 |
| Average equity | $13,370,250 | 3,388 |
| Average total loans | $62,631,750 | 3,675 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2042% | 155 |
| Cost of funding earning assets | 0.7519% | 3,343 |
| Net interest margin | 6.4523% | 79 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.2001% | 791 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 3.0942% | 141 |
| Return on assets (ROA) | 3.0942% | 140 |
| Pretax return on assets | 3.0942% | 188 |
| Return on Equity (ROE) | 19.7100% | 741 |
| Retained earnings to average equity (ytd only) | 19.2797% | 274 |
| Net charge-offs to loans | 0.1634% | 482 |
| Credit loss provision to net charge-offs | 108.0000% | 1,387 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,602 |
| Efficiency ratio | 49.8127% | 3,944 |
| Assets per employee ($millions) | 5.7001% | 2,969 |
| Cash dividends to net income (ytd only)* | 2.1773% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,178 |
| Loan loss allowance to noncurrent loans | 1,926.9231% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 1,422 |
| Noncurrent loans to loans | 0.0779% | 3,128 |
| Net loans and leases to total assets | 72.1300% | 1,516 |
| Net loans and leases to deposits | 91.1693% | 1,090 |
| Net loans and leases to core deposits | 110.3553% | 811 |
| Total domestic deposits to total assets | 79.1200% | 3,705 |
| Equity capital to assets | 15.0030% | 524 |
| Core capital (leverage) ratio | 16.5491% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $83,123,000 | 4,019 |
| Average earning assets | $77,399,000 | 3,988 |
| Average equity | $13,050,000 | 3,429 |
| Average total loans | $61,208,000 | 3,705 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1460% | 107 |
| Cost of funding earning assets | 0.5697% | 3,476 |
| Net interest margin | 6.5763% | 68 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 3.3371% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.2158% | 137 |
| Return on assets (ROA) | 3.2158% | 137 |
| Pretax return on assets | 3.2158% | 172 |
| Return on Equity (ROE) | 19.9400% | 772 |
| Retained earnings to average equity (ytd only) | 19.9373% | 382 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.9259% | 3,858 |
| Assets per employee ($millions) | 4.9674% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 1,031 |
| Loan loss allowance to noncurrent loans | 1,956.8627% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 1,202 |
| Noncurrent loans to loans | 0.0812% | 3,163 |
| Net loans and leases to total assets | 77.7700% | 788 |
| Net loans and leases to deposits | 93.5442% | 813 |
| Net loans and leases to core deposits | 97.2652% | 1,216 |
| Total domestic deposits to total assets | 83.1400% | 3,269 |
| Equity capital to assets | 16.4761% | 372 |
| Core capital (leverage) ratio | 16.2315% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $79,110,000 | 4,110 |
| Average earning assets | $73,719,500 | 4,086 |
| Average equity | $12,760,000 | 3,503 |
| Average total loans | $58,418,500 | 3,784 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0149% | 93 |
| Cost of funding earning assets | 0.2658% | 3,201 |
| Net interest margin | 5.7491% | 64 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 3.2502% | 675 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 2.4769% | 149 |
| Return on assets (ROA) | 2.4769% | 144 |
| Pretax return on assets | 2.4769% | 214 |
| Return on Equity (ROE) | 15.4300% | 1,154 |
| Retained earnings to average equity (ytd only) | 7.1850% | 2,156 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.6172% | 3,615 |
| Assets per employee ($millions) | 4.9213% | 3,733 |
| Cash dividends to net income (ytd only)* | 53.4311% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 601 |
| Loan loss allowance to noncurrent loans | 219.8238% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9449% | 459 |
| Noncurrent loans to loans | 0.8404% | 890 |
| Net loans and leases to total assets | 67.3400% | 1,899 |
| Net loans and leases to deposits | 80.2515% | 1,752 |
| Net loans and leases to core deposits | 83.6309% | 1,895 |
| Total domestic deposits to total assets | 83.9200% | 3,225 |
| Equity capital to assets | 15.7796% | 402 |
| Core capital (leverage) ratio | 15.4746% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $77,072,400 | 4,160 |
| Average earning assets | $71,489,000 | 4,137 |
| Average equity | $12,373,000 | 3,636 |
| Average total loans | $49,691,200 | 3,898 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7237% | 95 |
| Cost of funding earning assets | 0.1763% | 3,555 |
| Net interest margin | 5.5474% | 71 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 3.0995% | 786 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 2.4647% | 159 |
| Return on assets (ROA) | 2.4647% | 156 |
| Pretax return on assets | 2.4647% | 222 |
| Return on Equity (ROE) | 15.2900% | 1,114 |
| Retained earnings to average equity (ytd only) | 14.8648% | 378 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.6793% | 3,758 |
| Assets per employee ($millions) | 5.4974% | 3,219 |
| Cash dividends to net income (ytd only)* | 2.7523% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 651 |
| Loan loss allowance to noncurrent loans | 1,861.5385% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 1,393 |
| Noncurrent loans to loans | 0.0998% | 3,164 |
| Net loans and leases to total assets | 58.1300% | 2,681 |
| Net loans and leases to deposits | 68.4558% | 2,499 |
| Net loans and leases to core deposits | 71.1081% | 2,561 |
| Total domestic deposits to total assets | 84.9200% | 3,307 |
| Equity capital to assets | 14.6386% | 485 |
| Core capital (leverage) ratio | 16.9213% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $76,655,250 | 4,190 |
| Average earning assets | $71,070,750 | 4,177 |
| Average equity | $12,360,000 | 3,674 |
| Average total loans | $48,607,750 | 3,933 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7879% | 82 |
| Cost of funding earning assets | 0.0977% | 4,212 |
| Net interest margin | 5.6901% | 63 |
| Noninterest income to average assets | 0.5625% | 1,894 |
| Noninterest expense to average assets | 3.2653% | 574 |
| Loan and lease loss provision to assets | 0.0823% | 1,196 |
| Net operating income to assets | 2.4860% | 113 |
| Return on assets (ROA) | 2.4860% | 109 |
| Pretax return on assets | 2.4860% | 168 |
| Return on Equity (ROE) | 14.8671% | 920 |
| Retained earnings to average equity (ytd only) | 14.4404% | 322 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9737% | 3,773 |
| Assets per employee ($millions) | 4.5648% | 4,026 |
| Cash dividends to net income (ytd only)* | 2.8698% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 775 |
| Loan loss allowance to noncurrent loans | 1,705.4545% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 1,206 |
| Noncurrent loans to loans | 0.1072% | 3,214 |
| Net loans and leases to total assets | 68.9322% | 1,404 |
| Net loans and leases to deposits | 83.6035% | 1,148 |
| Net loans and leases to core deposits | 84.5029% | 1,422 |
| Total domestic deposits to total assets | 82.4514% | 3,949 |
| Equity capital to assets | 17.0489% | 276 |
| Core capital (leverage) ratio | 16.7611% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,887,333 | 4,284 |
| Average earning assets | $67,520,667 | 4,271 |
| Average equity | $12,188,000 | 3,769 |
| Average total loans | $47,444,000 | 4,005 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0067% | 71 |
| Cost of funding earning assets | 0.0949% | 4,200 |
| Net interest margin | 5.9118% | 51 |
| Noninterest income to average assets | 0.4834% | 2,218 |
| Noninterest expense to average assets | 3.2906% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.6699% | 105 |
| Return on assets (ROA) | 2.6699% | 102 |
| Pretax return on assets | 2.6699% | 142 |
| Return on Equity (ROE) | 16.1248% | 519 |
| Retained earnings to average equity (ytd only) | 16.1248% | 225 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2074% | 3,951 |
| Assets per employee ($millions) | 4.7859% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0912% | 525 |
| Loan loss allowance to noncurrent loans | 1,565.5172% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 1,344 |
| Noncurrent loans to loans | 0.1336% | 3,143 |
| Net loans and leases to total assets | 55.5168% | 2,572 |
| Net loans and leases to deposits | 66.3908% | 2,305 |
| Net loans and leases to core deposits | 67.0610% | 2,531 |
| Total domestic deposits to total assets | 83.6213% | 3,845 |
| Equity capital to assets | 15.9047% | 324 |
| Core capital (leverage) ratio | 16.5615% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,812,500 | 4,309 |
| Average earning assets | $67,458,000 | 4,298 |
| Average equity | $12,056,000 | 3,857 |
| Average total loans | $45,524,000 | 4,046 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9625% | 84 |
| Cost of funding earning assets | 0.1089% | 4,315 |
| Net interest margin | 5.8536% | 61 |
| Noninterest income to average assets | 0.4695% | 2,732 |
| Noninterest expense to average assets | 3.3079% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.5409% | 153 |
| Return on assets (ROA) | 2.5409% | 157 |
| Pretax return on assets | 2.5409% | 241 |
| Return on Equity (ROE) | 15.2060% | 908 |
| Retained earnings to average equity (ytd only) | 7.4005% | 1,763 |
| Net charge-offs to loans | 0.0074% | 2,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 600.6667% | 239 |
| Efficiency ratio | 56.5574% | 3,637 |
| Assets per employee ($millions) | 4.3156% | 4,261 |
| Cash dividends to net income (ytd only)* | 51.3319% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9064% | 719 |
| Loan loss allowance to noncurrent loans | 260.9195% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 1,325 |
| Noncurrent loans to loans | 0.7307% | 1,392 |
| Net loans and leases to total assets | 67.6611% | 1,309 |
| Net loans and leases to deposits | 82.3797% | 1,028 |
| Net loans and leases to core deposits | 83.3200% | 1,372 |
| Total domestic deposits to total assets | 82.1332% | 3,942 |
| Equity capital to assets | 17.2817% | 284 |
| Core capital (leverage) ratio | 16.4278% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,920,800 | 4,331 |
| Average earning assets | $65,173,800 | 4,322 |
| Average equity | $11,850,600 | 3,948 |
| Average total loans | $40,536,200 | 4,175 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0980% | 80 |
| Cost of funding earning assets | 0.1098% | 4,423 |
| Net interest margin | 5.9882% | 56 |
| Noninterest income to average assets | 0.4202% | 2,980 |
| Noninterest expense to average assets | 3.0518% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.8706% | 143 |
| Return on assets (ROA) | 2.8706% | 142 |
| Pretax return on assets | 2.8706% | 208 |
| Return on Equity (ROE) | 17.3228% | 718 |
| Retained earnings to average equity (ytd only) | 16.8607% | 249 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5295% | 4,068 |
| Assets per employee ($millions) | 4.8419% | 3,847 |
| Cash dividends to net income (ytd only)* | 2.6675% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0932% | 542 |
| Loan loss allowance to noncurrent loans | 236.6234% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 1,440 |
| Noncurrent loans to loans | 0.8846% | 1,297 |
| Net loans and leases to total assets | 58.6680% | 2,406 |
| Net loans and leases to deposits | 71.5713% | 2,098 |
| Net loans and leases to core deposits | 78.3358% | 1,871 |
| Total domestic deposits to total assets | 81.9714% | 3,935 |
| Equity capital to assets | 17.3705% | 311 |
| Core capital (leverage) ratio | 17.1813% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,388,500 | 4,378 |
| Average earning assets | $65,594,000 | 4,376 |
| Average equity | $11,830,000 | 4,003 |
| Average total loans | $38,763,250 | 4,279 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0062% | 98 |
| Cost of funding earning assets | 0.1109% | 4,500 |
| Net interest margin | 5.8953% | 67 |
| Noninterest income to average assets | 0.4396% | 2,906 |
| Noninterest expense to average assets | 3.0518% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.7784% | 156 |
| Return on assets (ROA) | 2.7784% | 158 |
| Pretax return on assets | 2.7784% | 238 |
| Return on Equity (ROE) | 17.0470% | 776 |
| Retained earnings to average equity (ytd only) | 16.5975% | 297 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3441% | 4,008 |
| Assets per employee ($millions) | 5.5748% | 3,039 |
| Cash dividends to net income (ytd only)* | 2.6369% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4048% | 312 |
| Loan loss allowance to noncurrent loans | 235.4005% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 1,556 |
| Noncurrent loans to loans | 1.0216% | 1,201 |
| Net loans and leases to total assets | 51.0135% | 3,446 |
| Net loans and leases to deposits | 62.0152% | 3,203 |
| Net loans and leases to core deposits | 63.2231% | 3,359 |
| Total domestic deposits to total assets | 82.2596% | 3,872 |
| Equity capital to assets | 16.6890% | 348 |
| Core capital (leverage) ratio | 16.4304% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,975,000 | 4,410 |
| Average earning assets | $64,899,667 | 4,409 |
| Average equity | $11,568,000 | 4,041 |
| Average total loans | $37,177,333 | 4,331 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9119% | 405 |
| Cost of funding earning assets | 0.1105% | 4,583 |
| Net interest margin | 4.8013% | 239 |
| Noninterest income to average assets | 0.4728% | 2,735 |
| Noninterest expense to average assets | 3.2808% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6461% | 1,028 |
| Return on assets (ROA) | 1.6461% | 1,081 |
| Pretax return on assets | 1.6461% | 1,611 |
| Return on Equity (ROE) | 10.2260% | 2,612 |
| Retained earnings to average equity (ytd only) | 10.2260% | 1,594 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5896% | 2,148 |
| Assets per employee ($millions) | 5.6301% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3245% | 351 |
| Loan loss allowance to noncurrent loans | 141.2403% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 992 |
| Noncurrent loans to loans | 1.6458% | 736 |
| Net loans and leases to total assets | 52.3015% | 3,416 |
| Net loans and leases to deposits | 62.8778% | 3,230 |
| Net loans and leases to core deposits | 64.0755% | 3,406 |
| Total domestic deposits to total assets | 83.1796% | 3,644 |
| Equity capital to assets | 15.6044% | 430 |
| Core capital (leverage) ratio | 15.4798% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,226,000 | 4,435 |
| Average earning assets | $65,148,500 | 4,421 |
| Average equity | $11,304,500 | 4,075 |
| Average total loans | $36,825,000 | 4,363 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5356% | 179 |
| Cost of funding earning assets | 0.1563% | 4,709 |
| Net interest margin | 5.3794% | 74 |
| Noninterest income to average assets | 0.4354% | 2,934 |
| Noninterest expense to average assets | 3.1390% | 1,160 |
| Loan and lease loss provision to assets | 0.2052% | 1,917 |
| Net operating income to assets | 2.0519% | 241 |
| Return on assets (ROA) | 2.0519% | 257 |
| Pretax return on assets | 2.0519% | 410 |
| Return on Equity (ROE) | 11.8687% | 1,356 |
| Retained earnings to average equity (ytd only) | 4.9378% | 2,299 |
| Net charge-offs to loans | 0.0054% | 3,152 |
| Credit loss provision to net charge-offs | 6,550.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 720.5000% | 165 |
| Efficiency ratio | 58.1713% | 3,703 |
| Assets per employee ($millions) | 4.4841% | 3,923 |
| Cash dividends to net income (ytd only)* | 58.3969% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6437% | 212 |
| Loan loss allowance to noncurrent loans | 145.7600% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9292% | 1,049 |
| Noncurrent loans to loans | 1.8137% | 683 |
| Net loans and leases to total assets | 49.8773% | 3,840 |
| Net loans and leases to deposits | 60.1833% | 3,745 |
| Net loans and leases to core deposits | 61.4365% | 3,861 |
| Total domestic deposits to total assets | 82.8757% | 3,445 |
| Equity capital to assets | 16.6337% | 370 |
| Core capital (leverage) ratio | 16.4655% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,842,200 | 4,464 |
| Average earning assets | $58,873,200 | 4,452 |
| Average equity | $11,037,400 | 4,073 |
| Average total loans | $36,874,200 | 4,375 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1468% | 86 |
| Cost of funding earning assets | 0.1674% | 4,757 |
| Net interest margin | 5.9795% | 47 |
| Noninterest income to average assets | 0.4276% | 2,949 |
| Noninterest expense to average assets | 3.0799% | 1,274 |
| Loan and lease loss provision to assets | 0.5715% | 461 |
| Net operating income to assets | 2.2967% | 178 |
| Return on assets (ROA) | 2.2967% | 188 |
| Pretax return on assets | 2.2967% | 280 |
| Return on Equity (ROE) | 13.1515% | 1,064 |
| Retained earnings to average equity (ytd only) | 12.6788% | 358 |
| Net charge-offs to loans | 0.0320% | 2,188 |
| Credit loss provision to net charge-offs | 3,000.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 150.5556% | 596 |
| Efficiency ratio | 51.7794% | 4,359 |
| Assets per employee ($millions) | 4.3365% | 4,010 |
| Cash dividends to net income (ytd only)* | 3.5945% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5964% | 203 |
| Loan loss allowance to noncurrent loans | 297.1510% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 2,085 |
| Noncurrent loans to loans | 0.8738% | 1,707 |
| Net loans and leases to total assets | 60.1525% | 3,214 |
| Net loans and leases to deposits | 73.8515% | 2,970 |
| Net loans and leases to core deposits | 74.7488% | 3,259 |
| Total domestic deposits to total assets | 81.4506% | 3,549 |
| Equity capital to assets | 18.0006% | 304 |
| Core capital (leverage) ratio | 17.9409% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,987,500 | 4,484 |
| Average earning assets | $58,153,000 | 4,483 |
| Average equity | $10,999,750 | 4,083 |
| Average total loans | $37,478,000 | 4,385 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7396% | 70 |
| Cost of funding earning assets | 0.1883% | 4,790 |
| Net interest margin | 6.5513% | 43 |
| Noninterest income to average assets | 0.4334% | 2,886 |
| Noninterest expense to average assets | 3.1204% | 1,309 |
| Loan and lease loss provision to assets | 0.8668% | 262 |
| Net operating income to assets | 2.4783% | 146 |
| Return on assets (ROA) | 2.4783% | 159 |
| Pretax return on assets | 2.4783% | 227 |
| Return on Equity (ROE) | 14.3450% | 817 |
| Retained earnings to average equity (ytd only) | 13.8619% | 290 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2622% | 4,612 |
| Assets per employee ($millions) | 4.2393% | 4,065 |
| Cash dividends to net income (ytd only)* | 3.3679% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5183% | 213 |
| Loan loss allowance to noncurrent loans | 315.6156% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 2,262 |
| Noncurrent loans to loans | 0.7979% | 1,898 |
| Net loans and leases to total assets | 63.9796% | 2,884 |
| Net loans and leases to deposits | 78.4466% | 2,607 |
| Net loans and leases to core deposits | 79.3803% | 2,995 |
| Total domestic deposits to total assets | 81.5581% | 3,485 |
| Equity capital to assets | 17.9040% | 308 |
| Core capital (leverage) ratio | 16.7090% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8755% | 370 |
| Memoranda: | ||
| Average total assets | $62,300,667 | 4,506 |
| Average earning assets | $57,362,333 | 4,504 |
| Average equity | $10,763,333 | 4,124 |
| Average total loans | $36,580,333 | 4,415 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0353% | 157 |
| Cost of funding earning assets | 0.2327% | 4,814 |
| Net interest margin | 5.8026% | 63 |
| Noninterest income to average assets | 0.4541% | 2,768 |
| Noninterest expense to average assets | 3.1854% | 1,455 |
| Loan and lease loss provision to assets | 0.1946% | 1,552 |
| Net operating income to assets | 2.4134% | 128 |
| Return on assets (ROA) | 2.4134% | 137 |
| Pretax return on assets | 2.4134% | 195 |
| Return on Equity (ROE) | 14.2358% | 656 |
| Retained earnings to average equity (ytd only) | 14.2358% | 237 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9832% | 4,310 |
| Assets per employee ($millions) | 4.1071% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3509% | 304 |
| Loan loss allowance to noncurrent loans | 541.3333% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 3,486 |
| Noncurrent loans to loans | 0.4343% | 2,949 |
| Net loans and leases to total assets | 54.7470% | 3,929 |
| Net loans and leases to deposits | 66.3610% | 3,844 |
| Net loans and leases to core deposits | 66.7458% | 4,038 |
| Total domestic deposits to total assets | 82.4987% | 3,260 |
| Equity capital to assets | 16.9753% | 444 |
| Core capital (leverage) ratio | 16.6549% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0251% | 331 |
| Memoranda: | ||
| Average total assets | $61,656,500 | 4,535 |
| Average earning assets | $56,733,000 | 4,529 |
| Average equity | $10,452,500 | 4,187 |
| Average total loans | $34,003,000 | 4,499 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1193% | 190 |
| Cost of funding earning assets | 0.2005% | 4,965 |
| Net interest margin | 5.9189% | 69 |
| Noninterest income to average assets | 0.5574% | 2,435 |
| Noninterest expense to average assets | 3.2303% | 1,446 |
| Loan and lease loss provision to assets | 0.0662% | 2,695 |
| Net operating income to assets | 2.6812% | 106 |
| Return on assets (ROA) | 2.6812% | 111 |
| Pretax return on assets | 2.6812% | 152 |
| Return on Equity (ROE) | 16.0089% | 536 |
| Retained earnings to average equity (ytd only) | 8.4143% | 849 |
| Net charge-offs to loans | 0.0032% | 3,570 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 1,661.0000% | 48 |
| Efficiency ratio | 54.0398% | 4,420 |
| Assets per employee ($millions) | 4.1137% | 3,756 |
| Cash dividends to net income (ytd only)* | 47.4399% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 269 |
| Loan loss allowance to noncurrent loans | 1,281.9672% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 4,129 |
| Noncurrent loans to loans | 0.1823% | 3,803 |
| Net loans and leases to total assets | 52.9673% | 4,152 |
| Net loans and leases to deposits | 64.1567% | 4,065 |
| Net loans and leases to core deposits | 64.5278% | 4,257 |
| Total domestic deposits to total assets | 82.5592% | 3,344 |
| Equity capital to assets | 16.9303% | 477 |
| Core capital (leverage) ratio | 16.8157% | 435 |
| Tier 1 risk-based capital ratio | 26.4309% | 649 |
| Total risk-based capital ratio | 27.6896% | 638 |
| Memoranda: | ||
| Average total assets | $60,458,800 | 4,590 |
| Average earning assets | $55,365,400 | 4,594 |
| Average equity | $10,125,600 | 4,223 |
| Average total loans | $31,574,800 | 4,611 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0389% | 221 |
| Cost of funding earning assets | 0.1914% | 5,052 |
| Net interest margin | 5.8475% | 73 |
| Noninterest income to average assets | 0.5498% | 2,462 |
| Noninterest expense to average assets | 3.2276% | 1,413 |
| Loan and lease loss provision to assets | 0.0222% | 3,471 |
| Net operating income to assets | 2.6512% | 132 |
| Return on assets (ROA) | 2.6512% | 137 |
| Pretax return on assets | 2.6512% | 184 |
| Return on Equity (ROE) | 15.8745% | 630 |
| Retained earnings to average equity (ytd only) | 15.3568% | 130 |
| Net charge-offs to loans | 0.0043% | 3,252 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 1,208.9925% | 67 |
| Efficiency ratio | 54.6957% | 4,311 |
| Assets per employee ($millions) | 3.9288% | 3,991 |
| Cash dividends to net income (ytd only)* | 3.2609% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1868% | 335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 57.0760% | 3,960 |
| Net loans and leases to deposits | 70.3211% | 3,751 |
| Net loans and leases to core deposits | 70.7531% | 4,017 |
| Total domestic deposits to total assets | 81.1647% | 3,703 |
| Equity capital to assets | 18.2057% | 379 |
| Core capital (leverage) ratio | 17.9172% | 361 |
| Tier 1 risk-based capital ratio | 27.0939% | 634 |
| Total risk-based capital ratio | 28.3521% | 617 |
| Memoranda: | ||
| Average total assets | $60,147,000 | 4,660 |
| Average earning assets | $55,041,750 | 4,663 |
| Average equity | $10,045,250 | 4,282 |
| Average total loans | $31,102,000 | 4,680 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9141% | 278 |
| Cost of funding earning assets | 0.1914% | 5,089 |
| Net interest margin | 5.7227% | 87 |
| Noninterest income to average assets | 0.5285% | 2,521 |
| Noninterest expense to average assets | 3.2171% | 1,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.5466% | 145 |
| Return on assets (ROA) | 2.5466% | 149 |
| Pretax return on assets | 2.5466% | 221 |
| Return on Equity (ROE) | 15.7069% | 639 |
| Retained earnings to average equity (ytd only) | 15.1772% | 164 |
| Net charge-offs to loans | 0.0067% | 2,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 771.0000% | 101 |
| Efficiency ratio | 55.8166% | 4,270 |
| Assets per employee ($millions) | 3.9775% | 3,894 |
| Cash dividends to net income (ytd only)* | 3.3722% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3586% | 271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 51.4842% | 4,389 |
| Net loans and leases to deposits | 62.6596% | 4,296 |
| Net loans and leases to core deposits | 63.0351% | 4,455 |
| Total domestic deposits to total assets | 82.1648% | 3,465 |
| Equity capital to assets | 17.2720% | 439 |
| Core capital (leverage) ratio | 17.0434% | 427 |
| Tier 1 risk-based capital ratio | 27.5185% | 588 |
| Total risk-based capital ratio | 28.7777% | 572 |
| Memoranda: | ||
| Average total assets | $60,552,000 | 4,684 |
| Average earning assets | $55,393,000 | 4,695 |
| Average equity | $9,817,330 | 4,327 |
| Average total loans | $30,006,670 | 4,734 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7334% | 345 |
| Cost of funding earning assets | 0.1933% | 5,132 |
| Net interest margin | 5.5401% | 112 |
| Noninterest income to average assets | 0.5574% | 2,241 |
| Noninterest expense to average assets | 3.2199% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4133% | 187 |
| Return on assets (ROA) | 2.4133% | 197 |
| Pretax return on assets | 2.4133% | 288 |
| Return on Equity (ROE) | 15.3758% | 683 |
| Retained earnings to average equity (ytd only) | 15.3758% | 253 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1595% | 4,195 |
| Assets per employee ($millions) | 4.0971% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5690% | 226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 45.8523% | 4,674 |
| Net loans and leases to deposits | 54.8945% | 4,644 |
| Net loans and leases to core deposits | 55.2086% | 4,742 |
| Total domestic deposits to total assets | 83.5281% | 3,210 |
| Equity capital to assets | 15.9610% | 577 |
| Core capital (leverage) ratio | 15.9594% | 537 |
| Tier 1 risk-based capital ratio | 27.6486% | 580 |
| Total risk-based capital ratio | 28.9088% | 569 |
| Memoranda: | ||
| Average total assets | $60,996,500 | 4,731 |
| Average earning assets | $55,883,000 | 4,738 |
| Average equity | $9,573,500 | 4,393 |
| Average total loans | $29,280,500 | 4,805 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9371% | 180 |
| Cost of funding earning assets | 0.1225% | 5,237 |
| Net interest margin | 5.8146% | 80 |
| Noninterest income to average assets | 0.5076% | 2,793 |
| Noninterest expense to average assets | 3.0905% | 1,827 |
| Loan and lease loss provision to assets | 0.0999% | 2,186 |
| Net operating income to assets | 2.6112% | 120 |
| Return on assets (ROA) | 2.5496% | 139 |
| Pretax return on assets | 2.5496% | 191 |
| Return on Equity (ROE) | 16.9762% | 496 |
| Retained earnings to average equity (ytd only) | 9.8954% | 635 |
| Net charge-offs to loans | 0.0382% | 2,633 |
| Credit loss provision to net charge-offs | 545.4545% | 638 |
| Earnings coverage of net charge-offs (x) | 148.0909% | 567 |
| Efficiency ratio | 53.2702% | 4,685 |
| Assets per employee ($millions) | 4.3241% | 3,421 |
| Cash dividends to net income (ytd only)* | 41.7102% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5068% | 233 |
| Loan loss allowance to noncurrent loans | 74,300.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,924 |
| Noncurrent loans to loans | 0.0034% | 4,809 |
| Net loans and leases to total assets | 47.7328% | 4,657 |
| Net loans and leases to deposits | 56.7646% | 4,631 |
| Net loans and leases to core deposits | 57.0684% | 4,739 |
| Total domestic deposits to total assets | 84.0891% | 2,976 |
| Equity capital to assets | 15.4253% | 625 |
| Core capital (leverage) ratio | 15.6265% | 577 |
| Tier 1 risk-based capital ratio | 26.7156% | 628 |
| Total risk-based capital ratio | 27.9754% | 620 |
| Memoranda: | ||
| Average total assets | $60,088,200 | 4,760 |
| Average earning assets | $54,707,000 | 4,774 |
| Average equity | $9,024,400 | 4,453 |
| Average total loans | $28,804,200 | 4,847 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9089% | 177 |
| Cost of funding earning assets | 0.1124% | 5,321 |
| Net interest margin | 5.7965% | 79 |
| Noninterest income to average assets | 0.4957% | 2,899 |
| Noninterest expense to average assets | 3.1056% | 1,755 |
| Loan and lease loss provision to assets | 0.1334% | 1,512 |
| Net operating income to assets | 2.5298% | 154 |
| Return on assets (ROA) | 2.5298% | 152 |
| Pretax return on assets | 2.5298% | 220 |
| Return on Equity (ROE) | 16.9607% | 546 |
| Retained earnings to average equity (ytd only) | 16.3794% | 125 |
| Net charge-offs to loans | 0.0560% | 2,017 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 99.8306% | 753 |
| Efficiency ratio | 53.8343% | 4,621 |
| Assets per employee ($millions) | 4.1964% | 3,579 |
| Cash dividends to net income (ytd only)* | 3.4271% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6147% | 205 |
| Loan loss allowance to noncurrent loans | 1,426.9231% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,527 |
| Noncurrent loans to loans | 0.1832% | 4,066 |
| Net loans and leases to total assets | 47.0400% | 4,751 |
| Net loans and leases to deposits | 56.4311% | 4,726 |
| Net loans and leases to core deposits | 56.7451% | 4,826 |
| Total domestic deposits to total assets | 83.3583% | 3,180 |
| Equity capital to assets | 16.1072% | 523 |
| Core capital (leverage) ratio | 16.2814% | 481 |
| Tier 1 risk-based capital ratio | 23.6040% | 877 |
| Total risk-based capital ratio | 24.8605% | 863 |
| Memoranda: | ||
| Average total assets | $59,976,000 | 4,818 |
| Average earning assets | $54,560,750 | 4,829 |
| Average equity | $8,946,000 | 4,507 |
| Average total loans | $28,595,500 | 4,908 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9872% | 143 |
| Cost of funding earning assets | 0.1128% | 5,370 |
| Net interest margin | 5.8744% | 78 |
| Noninterest income to average assets | 0.4803% | 2,973 |
| Noninterest expense to average assets | 3.1200% | 1,736 |
| Loan and lease loss provision to assets | 0.1987% | 866 |
| Net operating income to assets | 2.5106% | 149 |
| Return on assets (ROA) | 2.5106% | 149 |
| Pretax return on assets | 2.5106% | 223 |
| Return on Equity (ROE) | 17.2790% | 493 |
| Retained earnings to average equity (ytd only) | 16.6863% | 132 |
| Net charge-offs to loans | 0.0140% | 2,672 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 227 |
| Efficiency ratio | 53.5227% | 4,740 |
| Assets per employee ($millions) | 4.0574% | 3,801 |
| Cash dividends to net income (ytd only)* | 3.4301% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6009% | 224 |
| Loan loss allowance to noncurrent loans | 1,232.7869% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 4,496 |
| Noncurrent loans to loans | 0.2110% | 3,968 |
| Net loans and leases to total assets | 46.2710% | 4,813 |
| Net loans and leases to deposits | 54.7549% | 4,814 |
| Net loans and leases to core deposits | 55.0450% | 4,899 |
| Total domestic deposits to total assets | 84.5057% | 2,872 |
| Equity capital to assets | 15.0178% | 682 |
| Core capital (leverage) ratio | 15.3247% | 610 |
| Tier 1 risk-based capital ratio | 25.9660% | 675 |
| Total risk-based capital ratio | 27.2259% | 660 |
| Memoranda: | ||
| Average total assets | $60,384,670 | 4,867 |
| Average earning assets | $54,984,330 | 4,877 |
| Average equity | $8,773,670 | 4,568 |
| Average total loans | $28,668,000 | 4,955 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9807% | 138 |
| Cost of funding earning assets | 0.1094% | 5,436 |
| Net interest margin | 5.8713% | 79 |
| Noninterest income to average assets | 0.4655% | 3,027 |
| Noninterest expense to average assets | 3.1257% | 1,753 |
| Loan and lease loss provision to assets | 0.3990% | 283 |
| Net operating income to assets | 2.2944% | 208 |
| Return on assets (ROA) | 2.2944% | 208 |
| Pretax return on assets | 2.2944% | 323 |
| Return on Equity (ROE) | 16.0643% | 611 |
| Retained earnings to average equity (ytd only) | 16.0643% | 246 |
| Net charge-offs to loans | 0.0420% | 1,697 |
| Credit loss provision to net charge-offs | 2,000.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 480 |
| Efficiency ratio | 53.7143% | 4,825 |
| Assets per employee ($millions) | 4.0695% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6667% | 212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 44.9051% | 4,852 |
| Net loans and leases to deposits | 52.7206% | 4,849 |
| Net loans and leases to core deposits | 52.9927% | 4,950 |
| Total domestic deposits to total assets | 85.1758% | 2,869 |
| Equity capital to assets | 14.3246% | 811 |
| Core capital (leverage) ratio | 14.6547% | 727 |
| Tier 1 risk-based capital ratio | 25.3605% | 729 |
| Total risk-based capital ratio | 26.6219% | 717 |
| Memoranda: | ||
| Average total assets | $60,146,500 | 4,925 |
| Average earning assets | $54,843,000 | 4,941 |
| Average equity | $8,590,500 | 4,650 |
| Average total loans | $28,545,500 | 5,003 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2532% | 399 |
| Cost of funding earning assets | 0.1068% | 5,471 |
| Net interest margin | 5.1463% | 180 |
| Noninterest income to average assets | 0.5518% | 2,709 |
| Noninterest expense to average assets | 3.0629% | 1,969 |
| Loan and lease loss provision to assets | 0.0991% | 2,246 |
| Net operating income to assets | 2.0056% | 282 |
| Return on assets (ROA) | 2.0205% | 277 |
| Pretax return on assets | 2.0205% | 468 |
| Return on Equity (ROE) | 14.9453% | 614 |
| Retained earnings to average equity (ytd only) | 9.9350% | 356 |
| Net charge-offs to loans | 0.0191% | 3,466 |
| Credit loss provision to net charge-offs | 1,200.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 254.8000% | 328 |
| Efficiency ratio | 59.2711% | 4,378 |
| Assets per employee ($millions) | 4.2322% | 3,609 |
| Cash dividends to net income (ytd only)* | 33.5241% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3990% | 280 |
| Loan loss allowance to noncurrent loans | 2,041.1765% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 4,846 |
| Noncurrent loans to loans | 0.1175% | 4,453 |
| Net loans and leases to total assets | 47.6532% | 4,794 |
| Net loans and leases to deposits | 55.8843% | 4,808 |
| Net loans and leases to core deposits | 56.1812% | 4,932 |
| Total domestic deposits to total assets | 85.2711% | 2,732 |
| Equity capital to assets | 14.2394% | 847 |
| Core capital (leverage) ratio | 14.8367% | 651 |
| Tier 1 risk-based capital ratio | 24.4254% | 777 |
| Total risk-based capital ratio | 25.6838% | 756 |
| Memoranda: | ||
| Average total assets | $60,530,600 | 4,954 |
| Average earning assets | $54,291,200 | 4,990 |
| Average equity | $8,183,200 | 4,756 |
| Average total loans | $26,184,400 | 5,122 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 496 |
| Cost of funding earning assets | 0.1102% | 5,521 |
| Net interest margin | 4.9986% | 233 |
| Noninterest income to average assets | 0.5456% | 2,748 |
| Noninterest expense to average assets | 3.0588% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9588% | 343 |
| Return on assets (ROA) | 1.9632% | 343 |
| Pretax return on assets | 1.9632% | 590 |
| Return on Equity (ROE) | 14.7128% | 699 |
| Retained earnings to average equity (ytd only) | 14.0724% | 152 |
| Net charge-offs to loans | 0.0262% | 2,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 178.7061% | 477 |
| Efficiency ratio | 60.9607% | 4,051 |
| Assets per employee ($millions) | 4.0844% | 3,850 |
| Cash dividends to net income (ytd only)* | 4.3528% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1867% | 419 |
| Loan loss allowance to noncurrent loans | 10,566.6667% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 5,211 |
| Noncurrent loans to loans | 0.0207% | 5,036 |
| Net loans and leases to total assets | 49.5943% | 4,728 |
| Net loans and leases to deposits | 58.8764% | 4,689 |
| Net loans and leases to core deposits | 59.2046% | 4,857 |
| Total domestic deposits to total assets | 84.2345% | 3,028 |
| Equity capital to assets | 15.1709% | 696 |
| Core capital (leverage) ratio | 14.6966% | 724 |
| Tier 1 risk-based capital ratio | 24.7251% | 785 |
| Total risk-based capital ratio | 25.9810% | 766 |
| Memoranda: | ||
| Average total assets | $60,850,500 | 5,000 |
| Average earning assets | $54,441,000 | 5,041 |
| Average equity | $8,119,750 | 4,822 |
| Average total loans | $25,498,250 | 5,195 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 624 |
| Cost of funding earning assets | 0.1089% | 5,562 |
| Net interest margin | 4.8390% | 297 |
| Noninterest income to average assets | 0.5284% | 2,839 |
| Noninterest expense to average assets | 2.9675% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8559% | 405 |
| Return on assets (ROA) | 1.8559% | 417 |
| Pretax return on assets | 1.8559% | 733 |
| Return on Equity (ROE) | 14.5186% | 736 |
| Retained earnings to average equity (ytd only) | 13.8632% | 187 |
| Net charge-offs to loans | 0.0082% | 3,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 576.0000% | 145 |
| Efficiency ratio | 61.5230% | 4,077 |
| Assets per employee ($millions) | 3.9904% | 3,970 |
| Cash dividends to net income (ytd only)* | 4.5139% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5139% | 279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 41.3342% | 5,177 |
| Net loans and leases to deposits | 48.3270% | 5,202 |
| Net loans and leases to core deposits | 48.5803% | 5,265 |
| Total domestic deposits to total assets | 85.5303% | 2,602 |
| Equity capital to assets | 13.9485% | 982 |
| Core capital (leverage) ratio | 13.4676% | 1,005 |
| Tier 1 risk-based capital ratio | 25.6093% | 695 |
| Total risk-based capital ratio | 26.8683% | 685 |
| Memoranda: | ||
| Average total assets | $62,073,330 | 5,014 |
| Average earning assets | $55,094,330 | 5,066 |
| Average equity | $7,934,670 | 4,868 |
| Average total loans | $24,333,330 | 5,275 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 628 |
| Cost of funding earning assets | 0.1077% | 5,625 |
| Net interest margin | 4.7941% | 315 |
| Noninterest income to average assets | 0.5191% | 2,844 |
| Noninterest expense to average assets | 2.9375% | 2,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8106% | 439 |
| Return on assets (ROA) | 1.8106% | 448 |
| Pretax return on assets | 1.8106% | 771 |
| Return on Equity (ROE) | 14.8043% | 675 |
| Retained earnings to average equity (ytd only) | 14.8043% | 243 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8667% | 4,170 |
| Assets per employee ($millions) | 4.4794% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6884% | 257 |
| Loan loss allowance to noncurrent loans | 31,950.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,364 |
| Noncurrent loans to loans | 0.0084% | 5,218 |
| Net loans and leases to total assets | 36.8835% | 5,372 |
| Net loans and leases to deposits | 42.4762% | 5,402 |
| Net loans and leases to core deposits | 43.1578% | 5,440 |
| Total domestic deposits to total assets | 86.8333% | 2,294 |
| Equity capital to assets | 12.6852% | 1,415 |
| Core capital (leverage) ratio | 12.4809% | 1,349 |
| Tier 1 risk-based capital ratio | 24.8427% | 788 |
| Total risk-based capital ratio | 26.1011% | 774 |
| Memoranda: | ||
| Average total assets | $63,182,000 | 5,047 |
| Average earning assets | $55,735,000 | 5,112 |
| Average equity | $7,727,500 | 4,941 |
| Average total loans | $23,810,500 | 5,340 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1683% | 2,595 |
| Cost of funding earning assets | 0.1111% | 5,652 |
| Net interest margin | 4.0572% | 1,476 |
| Noninterest income to average assets | 0.5095% | 3,175 |
| Noninterest expense to average assets | 3.0651% | 2,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9684% | 2,496 |
| Return on assets (ROA) | 1.0143% | 2,392 |
| Pretax return on assets | 1.0143% | 3,428 |
| Return on Equity (ROE) | 8.3139% | 2,775 |
| Retained earnings to average equity (ytd only) | 5.4086% | 2,073 |
| Net charge-offs to loans | -0.0135% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9906% | 1,982 |
| Assets per employee ($millions) | 4.2435% | 3,539 |
| Cash dividends to net income (ytd only)* | 34.9454% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6790% | 257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 36.4680% | 5,472 |
| Net loans and leases to deposits | 41.5795% | 5,503 |
| Net loans and leases to core deposits | 42.2293% | 5,542 |
| Total domestic deposits to total assets | 87.7068% | 1,787 |
| Equity capital to assets | 11.7826% | 1,945 |
| Core capital (leverage) ratio | 12.2102% | 1,471 |
| Tier 1 risk-based capital ratio | 24.1982% | 851 |
| Total risk-based capital ratio | 25.4572% | 820 |
| Memoranda: | ||
| Average total assets | $63,196,200 | 5,069 |
| Average earning assets | $54,890,000 | 5,153 |
| Average equity | $7,710,000 | 4,978 |
| Average total loans | $22,152,600 | 5,440 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0890% | 2,913 |
| Cost of funding earning assets | 0.1099% | 5,720 |
| Net interest margin | 3.9791% | 1,713 |
| Noninterest income to average assets | 0.4819% | 3,368 |
| Noninterest expense to average assets | 3.0584% | 2,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8666% | 3,067 |
| Return on assets (ROA) | 0.9279% | 2,887 |
| Pretax return on assets | 0.9279% | 3,882 |
| Return on Equity (ROE) | 7.5404% | 3,274 |
| Retained earnings to average equity (ytd only) | 6.8705% | 1,690 |
| Net charge-offs to loans | -0.0307% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9214% | 1,697 |
| Assets per employee ($millions) | 3.9773% | 4,006 |
| Cash dividends to net income (ytd only)* | 8.8840% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8228% | 236 |
| Loan loss allowance to noncurrent loans | 8,012.5000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 5,468 |
| Noncurrent loans to loans | 0.0352% | 5,232 |
| Net loans and leases to total assets | 36.9886% | 5,509 |
| Net loans and leases to deposits | 42.9344% | 5,547 |
| Net loans and leases to core deposits | 43.6642% | 5,589 |
| Total domestic deposits to total assets | 86.1513% | 2,281 |
| Equity capital to assets | 13.2889% | 1,352 |
| Core capital (leverage) ratio | 12.6917% | 1,314 |
| Tier 1 risk-based capital ratio | 25.0818% | 808 |
| Total risk-based capital ratio | 26.3407% | 789 |
| Memoranda: | ||
| Average total assets | $63,082,000 | 5,119 |
| Average earning assets | $54,584,250 | 5,200 |
| Average equity | $7,762,500 | 5,021 |
| Average total loans | $21,727,750 | 5,510 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 3,256 |
| Cost of funding earning assets | 0.1128% | 5,792 |
| Net interest margin | 3.8851% | 2,029 |
| Noninterest income to average assets | 0.4734% | 3,383 |
| Noninterest expense to average assets | 3.0176% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7817% | 3,394 |
| Return on assets (ROA) | 0.8377% | 3,278 |
| Pretax return on assets | 0.8377% | 4,166 |
| Return on Equity (ROE) | 6.9804% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.3057% | 1,957 |
| Net charge-offs to loans | -0.0374% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4262% | 1,572 |
| Assets per employee ($millions) | 4.0883% | 3,757 |
| Cash dividends to net income (ytd only)* | 9.6654% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0081% | 192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 33.6502% | 5,690 |
| Net loans and leases to deposits | 38.8340% | 5,728 |
| Net loans and leases to core deposits | 39.4721% | 5,763 |
| Total domestic deposits to total assets | 86.6514% | 2,083 |
| Equity capital to assets | 12.8333% | 1,595 |
| Core capital (leverage) ratio | 11.8444% | 1,734 |
| Tier 1 risk-based capital ratio | 24.3187% | 873 |
| Total risk-based capital ratio | 25.5777% | 855 |
| Memoranda: | ||
| Average total assets | $64,223,000 | 5,142 |
| Average earning assets | $54,979,670 | 5,253 |
| Average equity | $7,707,330 | 5,073 |
| Average total loans | $21,401,000 | 5,580 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 2,914 |
| Cost of funding earning assets | 0.1084% | 5,879 |
| Net interest margin | 3.9748% | 1,693 |
| Noninterest income to average assets | 0.4507% | 3,480 |
| Noninterest expense to average assets | 2.9845% | 2,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8162% | 3,165 |
| Return on assets (ROA) | 0.9136% | 2,797 |
| Pretax return on assets | 0.9136% | 3,788 |
| Return on Equity (ROE) | 7.8678% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.8678% | 1,517 |
| Net charge-offs to loans | 0.0186% | 2,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 440 |
| Efficiency ratio | 78.5256% | 1,823 |
| Assets per employee ($millions) | 4.2720% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9443% | 234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 32.6654% | 5,766 |
| Net loans and leases to deposits | 37.3526% | 5,799 |
| Net loans and leases to core deposits | 37.9340% | 5,824 |
| Total domestic deposits to total assets | 87.4516% | 1,960 |
| Equity capital to assets | 12.0880% | 1,966 |
| Core capital (leverage) ratio | 11.1954% | 2,228 |
| Tier 1 risk-based capital ratio | 23.7167% | 947 |
| Total risk-based capital ratio | 24.9760% | 937 |
| Memoranda: | ||
| Average total assets | $65,672,000 | 5,162 |
| Average earning assets | $55,349,000 | 5,288 |
| Average equity | $7,626,000 | 5,118 |
| Average total loans | $21,463,500 | 5,630 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 4,167 |
| Cost of funding earning assets | 0.1324% | 5,801 |
| Net interest margin | 3.6259% | 3,035 |
| Noninterest income to average assets | 0.4380% | 3,760 |
| Noninterest expense to average assets | 2.8759% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5812% | 4,378 |
| Return on assets (ROA) | 0.6728% | 4,027 |
| Pretax return on assets | 0.6728% | 4,604 |
| Return on Equity (ROE) | 5.6260% | 4,219 |
| Retained earnings to average equity (ytd only) | -9.8157% | 6,034 |
| Net charge-offs to loans | -0.0449% | 5,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1884% | 1,256 |
| Assets per employee ($millions) | 4.4843% | 3,070 |
| Cash dividends to net income (ytd only)* | 274.4681% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9775% | 221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 30.8099% | 5,870 |
| Net loans and leases to deposits | 34.8408% | 5,910 |
| Net loans and leases to core deposits | 35.3513% | 5,937 |
| Total domestic deposits to total assets | 88.4307% | 1,415 |
| Equity capital to assets | 11.1590% | 2,670 |
| Core capital (leverage) ratio | 10.5987% | 2,826 |
| Tier 1 risk-based capital ratio | 22.9106% | 1,025 |
| Total risk-based capital ratio | 24.1712% | 1,006 |
| Memoranda: | ||
| Average total assets | $69,855,800 | 5,096 |
| Average earning assets | $58,165,600 | 5,236 |
| Average equity | $8,354,000 | 4,993 |
| Average total loans | $22,251,000 | 5,643 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 4,258 |
| Cost of funding earning assets | 0.1380% | 5,866 |
| Net interest margin | 3.6125% | 3,111 |
| Noninterest income to average assets | 0.4179% | 3,948 |
| Noninterest expense to average assets | 2.8026% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6354% | 4,212 |
| Return on assets (ROA) | 0.7111% | 3,960 |
| Pretax return on assets | 0.7111% | 4,650 |
| Return on Equity (ROE) | 5.8524% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.1520% | 2,807 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5182% | 1,461 |
| Assets per employee ($millions) | 4.3210% | 3,286 |
| Cash dividends to net income (ytd only)* | 11.9684% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8941% | 275 |
| Loan loss allowance to noncurrent loans | 4,471.4286% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,709 |
| Noncurrent loans to loans | 0.0647% | 5,358 |
| Net loans and leases to total assets | 32.4061% | 5,910 |
| Net loans and leases to deposits | 37.5937% | 5,936 |
| Net loans and leases to core deposits | 38.1808% | 5,970 |
| Total domestic deposits to total assets | 86.2007% | 2,440 |
| Equity capital to assets | 13.3549% | 1,290 |
| Core capital (leverage) ratio | 12.8549% | 1,250 |
| Tier 1 risk-based capital ratio | 26.8681% | 699 |
| Total risk-based capital ratio | 28.1284% | 675 |
| Memoranda: | ||
| Average total assets | $70,503,750 | 5,142 |
| Average earning assets | $58,941,500 | 5,276 |
| Average equity | $8,566,000 | 5,004 |
| Average total loans | $22,473,750 | 5,706 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 4,449 |
| Cost of funding earning assets | 0.1411% | 5,912 |
| Net interest margin | 3.5440% | 3,313 |
| Noninterest income to average assets | 0.4033% | 4,063 |
| Noninterest expense to average assets | 2.7265% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6602% | 4,074 |
| Return on assets (ROA) | 0.6823% | 4,089 |
| Pretax return on assets | 0.6823% | 4,714 |
| Return on Equity (ROE) | 5.7873% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.0843% | 2,808 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5057% | 1,693 |
| Assets per employee ($millions) | 4.5453% | 2,910 |
| Cash dividends to net income (ytd only)* | 12.1457% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9114% | 295 |
| Loan loss allowance to noncurrent loans | 2,318.5185% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 5,707 |
| Noncurrent loans to loans | 0.1256% | 5,250 |
| Net loans and leases to total assets | 30.6189% | 6,021 |
| Net loans and leases to deposits | 35.1483% | 6,058 |
| Net loans and leases to core deposits | 35.6635% | 6,069 |
| Total domestic deposits to total assets | 87.1135% | 2,105 |
| Equity capital to assets | 12.4861% | 1,666 |
| Core capital (leverage) ratio | 11.6631% | 1,869 |
| Tier 1 risk-based capital ratio | 26.4300% | 745 |
| Total risk-based capital ratio | 27.6898% | 730 |
| Memoranda: | ||
| Average total assets | $72,400,000 | 5,143 |
| Average earning assets | $60,948,670 | 5,279 |
| Average equity | $8,536,000 | 5,050 |
| Average total loans | $22,755,000 | 5,754 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 3,757 |
| Cost of funding earning assets | 0.1402% | 5,995 |
| Net interest margin | 3.7268% | 2,524 |
| Noninterest income to average assets | 0.3543% | 4,364 |
| Noninterest expense to average assets | 2.6198% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8751% | 2,870 |
| Return on assets (ROA) | 0.9180% | 2,780 |
| Pretax return on assets | 0.9180% | 3,819 |
| Return on Equity (ROE) | 8.0023% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.0023% | 1,572 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9616% | 2,655 |
| Assets per employee ($millions) | 4.9665% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8935% | 329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 28.2011% | 6,126 |
| Net loans and leases to deposits | 32.0435% | 6,163 |
| Net loans and leases to core deposits | 32.4684% | 6,178 |
| Total domestic deposits to total assets | 88.0089% | 1,812 |
| Equity capital to assets | 11.6246% | 2,356 |
| Core capital (leverage) ratio | 11.2026% | 2,230 |
| Tier 1 risk-based capital ratio | 25.1423% | 874 |
| Total risk-based capital ratio | 26.3991% | 852 |
| Memoranda: | ||
| Average total assets | $74,510,000 | 5,140 |
| Average earning assets | $62,788,000 | 5,285 |
| Average equity | $8,547,500 | 5,087 |
| Average total loans | $23,381,500 | 5,779 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 3,080 |
| Cost of funding earning assets | 0.1802% | 5,909 |
| Net interest margin | 3.9809% | 1,953 |
| Noninterest income to average assets | 0.6567% | 2,518 |
| Noninterest expense to average assets | 2.7085% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2677% | 1,379 |
| Return on assets (ROA) | 1.3549% | 1,228 |
| Pretax return on assets | 1.3549% | 2,059 |
| Return on Equity (ROE) | 11.6057% | 1,523 |
| Retained earnings to average equity (ytd only) | 7.9904% | 1,021 |
| Net charge-offs to loans | -0.2286% | 6,282 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1180% | 3,881 |
| Assets per employee ($millions) | 4.9682% | 2,360 |
| Cash dividends to net income (ytd only)* | 31.1510% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4912% | 555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 32.8784% | 6,088 |
| Net loans and leases to deposits | 37.2201% | 6,127 |
| Net loans and leases to core deposits | 37.7116% | 6,158 |
| Total domestic deposits to total assets | 88.3351% | 1,604 |
| Equity capital to assets | 11.3187% | 2,590 |
| Core capital (leverage) ratio | 11.0986% | 2,314 |
| Tier 1 risk-based capital ratio | 22.4398% | 1,156 |
| Total risk-based capital ratio | 23.6963% | 1,142 |
| Memoranda: | ||
| Average total assets | $69,892,000 | 5,293 |
| Average earning assets | $58,277,800 | 5,449 |
| Average equity | $8,159,800 | 5,167 |
| Average total loans | $22,751,400 | 5,866 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 3,364 |
| Cost of funding earning assets | 0.1866% | 5,950 |
| Net interest margin | 3.9149% | 2,176 |
| Noninterest income to average assets | 0.7197% | 2,230 |
| Noninterest expense to average assets | 2.6827% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2919% | 1,391 |
| Return on assets (ROA) | 1.4044% | 1,166 |
| Pretax return on assets | 1.4044% | 1,989 |
| Return on Equity (ROE) | 11.9307% | 1,497 |
| Retained earnings to average equity (ytd only) | 11.1891% | 487 |
| Net charge-offs to loans | -0.3129% | 6,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4963% | 3,939 |
| Assets per employee ($millions) | 4.4461% | 3,059 |
| Cash dividends to net income (ytd only)* | 6.2156% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5703% | 598 |
| Loan loss allowance to noncurrent loans | 6,955.5556% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 6,125 |
| Noncurrent loans to loans | 0.0370% | 5,875 |
| Net loans and leases to total assets | 35.5800% | 6,046 |
| Net loans and leases to deposits | 40.9891% | 6,087 |
| Net loans and leases to core deposits | 41.6057% | 6,134 |
| Total domestic deposits to total assets | 86.8035% | 2,420 |
| Equity capital to assets | 12.7452% | 1,563 |
| Core capital (leverage) ratio | 12.0641% | 1,663 |
| Tier 1 risk-based capital ratio | 22.8899% | 1,129 |
| Total risk-based capital ratio | 24.1477% | 1,109 |
| Memoranda: | ||
| Average total assets | $68,734,250 | 5,380 |
| Average earning assets | $57,148,500 | 5,540 |
| Average equity | $8,091,000 | 5,221 |
| Average total loans | $22,157,250 | 5,944 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 3,994 |
| Cost of funding earning assets | 0.1869% | 6,022 |
| Net interest margin | 3.7476% | 2,772 |
| Noninterest income to average assets | 0.8154% | 1,781 |
| Noninterest expense to average assets | 2.6161% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3196% | 1,251 |
| Return on assets (ROA) | 1.4608% | 989 |
| Pretax return on assets | 1.4608% | 1,671 |
| Return on Equity (ROE) | 12.7472% | 1,244 |
| Retained earnings to average equity (ytd only) | 11.9930% | 426 |
| Net charge-offs to loans | -0.4854% | 6,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4714% | 4,288 |
| Assets per employee ($millions) | 4.8034% | 2,471 |
| Cash dividends to net income (ytd only)* | 5.9172% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9007% | 432 |
| Loan loss allowance to noncurrent loans | 2,980.9524% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 6,115 |
| Noncurrent loans to loans | 0.0973% | 5,729 |
| Net loans and leases to total assets | 31.1612% | 6,274 |
| Net loans and leases to deposits | 35.7112% | 6,298 |
| Net loans and leases to core deposits | 36.2405% | 6,322 |
| Total domestic deposits to total assets | 87.2589% | 2,319 |
| Equity capital to assets | 12.3054% | 1,773 |
| Core capital (leverage) ratio | 11.5889% | 1,934 |
| Tier 1 risk-based capital ratio | 23.5476% | 1,040 |
| Total risk-based capital ratio | 24.8059% | 1,018 |
| Memoranda: | ||
| Average total assets | $69,415,000 | 5,412 |
| Average earning assets | $57,797,000 | 5,564 |
| Average equity | $7,954,670 | 5,282 |
| Average total loans | $21,424,670 | 6,018 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8634% | 4,230 |
| Cost of funding earning assets | 0.1904% | 6,075 |
| Net interest margin | 3.6729% | 2,981 |
| Noninterest income to average assets | 0.4880% | 3,507 |
| Noninterest expense to average assets | 2.6100% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9419% | 2,445 |
| Return on assets (ROA) | 1.1575% | 1,675 |
| Pretax return on assets | 1.1575% | 2,667 |
| Return on Equity (ROE) | 10.4689% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.4689% | 851 |
| Net charge-offs to loans | -0.9369% | 6,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4824% | 3,230 |
| Assets per employee ($millions) | 5.0120% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0045% | 431 |
| Loan loss allowance to noncurrent loans | 4,800.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 6,254 |
| Noncurrent loans to loans | 0.0626% | 5,964 |
| Net loans and leases to total assets | 28.7097% | 6,397 |
| Net loans and leases to deposits | 32.5234% | 6,417 |
| Net loans and leases to core deposits | 32.9797% | 6,436 |
| Total domestic deposits to total assets | 88.2739% | 2,069 |
| Equity capital to assets | 11.3185% | 2,402 |
| Core capital (leverage) ratio | 10.8229% | 2,570 |
| Tier 1 risk-based capital ratio | 23.1655% | 1,119 |
| Total risk-based capital ratio | 24.4234% | 1,104 |
| Memoranda: | ||
| Average total assets | $70,499,000 | 5,428 |
| Average earning assets | $58,808,500 | 5,594 |
| Average equity | $7,794,500 | 5,342 |
| Average total loans | $21,346,500 | 6,079 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 5,170 |
| Cost of funding earning assets | 0.2186% | 6,189 |
| Net interest margin | 3.4697% | 4,027 |
| Noninterest income to average assets | 0.6384% | 2,873 |
| Noninterest expense to average assets | 2.6418% | 4,310 |
| Loan and lease loss provision to assets | 0.0881% | 3,346 |
| Net operating income to assets | 0.7969% | 3,301 |
| Return on assets (ROA) | 0.8806% | 2,965 |
| Pretax return on assets | 0.8806% | 3,844 |
| Return on Equity (ROE) | 7.8090% | 3,139 |
| Retained earnings to average equity (ytd only) | 4.6854% | 2,822 |
| Net charge-offs to loans | 0.0140% | 5,171 |
| Credit loss provision to net charge-offs | 2,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 222 |
| Efficiency ratio | 74.9064% | 2,968 |
| Assets per employee ($millions) | 4.7220% | 2,551 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6181% | 718 |
| Loan loss allowance to noncurrent loans | 2,870.0000% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 6,304 |
| Noncurrent loans to loans | 0.0912% | 5,942 |
| Net loans and leases to total assets | 30.1426% | 6,457 |
| Net loans and leases to deposits | 33.9449% | 6,489 |
| Net loans and leases to core deposits | 34.4133% | 6,510 |
| Total domestic deposits to total assets | 88.7985% | 1,756 |
| Equity capital to assets | 10.7963% | 2,820 |
| Core capital (leverage) ratio | 11.0017% | 2,384 |
| Tier 1 risk-based capital ratio | 21.7817% | 1,296 |
| Total risk-based capital ratio | 23.0380% | 1,272 |
| Memoranda: | ||
| Average total assets | $68,136,000 | 5,535 |
| Average earning assets | $56,719,800 | 5,686 |
| Average equity | $7,683,400 | 5,417 |
| Average total loans | $21,448,200 | 6,133 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 5,300 |
| Cost of funding earning assets | 0.2281% | 6,240 |
| Net interest margin | 3.4213% | 4,200 |
| Noninterest income to average assets | 0.6344% | 2,961 |
| Noninterest expense to average assets | 2.6444% | 4,228 |
| Loan and lease loss provision to assets | 0.0889% | 3,281 |
| Net operating income to assets | 0.7471% | 3,614 |
| Return on assets (ROA) | 0.8597% | 3,158 |
| Pretax return on assets | 0.8597% | 4,051 |
| Return on Equity (ROE) | 7.5397% | 3,356 |
| Retained earnings to average equity (ytd only) | 6.5863% | 2,086 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9796% | 2,733 |
| Assets per employee ($millions) | 4.0221% | 3,786 |
| Cash dividends to net income (ytd only)* | 12.6433% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6790% | 762 |
| Loan loss allowance to noncurrent loans | 3,746.6667% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 6,415 |
| Noncurrent loans to loans | 0.0715% | 6,122 |
| Net loans and leases to total assets | 31.7245% | 6,465 |
| Net loans and leases to deposits | 36.2069% | 6,500 |
| Net loans and leases to core deposits | 36.7651% | 6,540 |
| Total domestic deposits to total assets | 87.6200% | 2,349 |
| Equity capital to assets | 11.8843% | 1,992 |
| Core capital (leverage) ratio | 11.4372% | 2,095 |
| Tier 1 risk-based capital ratio | 23.4440% | 1,079 |
| Total risk-based capital ratio | 24.7014% | 1,058 |
| Memoranda: | ||
| Average total assets | $67,462,500 | 5,612 |
| Average earning assets | $56,117,000 | 5,759 |
| Average equity | $7,692,500 | 5,472 |
| Average total loans | $21,329,250 | 6,203 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 5,470 |
| Cost of funding earning assets | 0.2344% | 6,276 |
| Net interest margin | 3.3553% | 4,359 |
| Noninterest income to average assets | 0.6628% | 2,844 |
| Noninterest expense to average assets | 2.5782% | 4,465 |
| Loan and lease loss provision to assets | 0.0876% | 3,332 |
| Net operating income to assets | 0.7971% | 3,311 |
| Return on assets (ROA) | 0.9635% | 2,647 |
| Pretax return on assets | 0.9635% | 3,666 |
| Return on Equity (ROE) | 8.5633% | 2,813 |
| Retained earnings to average equity (ytd only) | 7.9145% | 1,522 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4519% | 3,042 |
| Assets per employee ($millions) | 4.1995% | 3,358 |
| Cash dividends to net income (ytd only)* | 7.5758% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6299% | 852 |
| Loan loss allowance to noncurrent loans | 7,814.2857% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 6,523 |
| Noncurrent loans to loans | 0.0337% | 6,303 |
| Net loans and leases to total assets | 30.1405% | 6,572 |
| Net loans and leases to deposits | 34.1939% | 6,602 |
| Net loans and leases to core deposits | 34.6947% | 6,631 |
| Total domestic deposits to total assets | 88.1459% | 2,141 |
| Equity capital to assets | 11.3897% | 2,391 |
| Core capital (leverage) ratio | 10.9168% | 2,435 |
| Tier 1 risk-based capital ratio | 22.4913% | 1,204 |
| Total risk-based capital ratio | 23.7464% | 1,189 |
| Memoranda: | ||
| Average total assets | $68,498,670 | 5,621 |
| Average earning assets | $57,163,000 | 5,773 |
| Average equity | $7,707,330 | 5,512 |
| Average total loans | $21,446,330 | 6,238 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6108% | 5,423 |
| Cost of funding earning assets | 0.2490% | 6,296 |
| Net interest margin | 3.3618% | 4,266 |
| Noninterest income to average assets | 0.6999% | 2,589 |
| Noninterest expense to average assets | 2.4873% | 4,800 |
| Loan and lease loss provision to assets | 0.0868% | 3,215 |
| Net operating income to assets | 0.9371% | 2,483 |
| Return on assets (ROA) | 1.0875% | 2,017 |
| Pretax return on assets | 1.0875% | 3,006 |
| Return on Equity (ROE) | 9.7227% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.2055% | 1,318 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8402% | 3,817 |
| Assets per employee ($millions) | 4.3161% | 3,306 |
| Cash dividends to net income (ytd only)* | 5.3191% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4499% | 1,178 |
| Loan loss allowance to noncurrent loans | 492.5926% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 6,101 |
| Noncurrent loans to loans | 0.4974% | 5,184 |
| Net loans and leases to total assets | 30.6747% | 6,577 |
| Net loans and leases to deposits | 34.7713% | 6,609 |
| Net loans and leases to core deposits | 35.2662% | 6,643 |
| Total domestic deposits to total assets | 88.2184% | 2,179 |
| Equity capital to assets | 11.3254% | 2,607 |
| Core capital (leverage) ratio | 10.5890% | 2,664 |
| Tier 1 risk-based capital ratio | 21.8377% | 1,362 |
| Total risk-based capital ratio | 23.0927% | 1,334 |
| Memoranda: | ||
| Average total assets | $69,152,000 | 5,649 |
| Average earning assets | $57,826,500 | 5,804 |
| Average equity | $7,734,500 | 5,572 |
| Average total loans | $21,770,000 | 6,284 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8287% | 5,761 |
| Cost of funding earning assets | 0.3348% | 6,294 |
| Net interest margin | 3.4939% | 4,526 |
| Noninterest income to average assets | 0.9262% | 1,782 |
| Noninterest expense to average assets | 2.9405% | 3,501 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8413% | 3,087 |
| Return on assets (ROA) | 1.0991% | 2,125 |
| Pretax return on assets | 1.0991% | 3,161 |
| Return on Equity (ROE) | 9.3054% | 2,481 |
| Retained earnings to average equity (ytd only) | 6.3101% | 1,917 |
| Net charge-offs to loans | -0.0052% | 6,391 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7547% | 2,487 |
| Assets per employee ($millions) | 4.3279% | 3,294 |
| Cash dividends to net income (ytd only)* | 32.1888% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3688% | 1,282 |
| Loan loss allowance to noncurrent loans | 224.7826% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 5,669 |
| Noncurrent loans to loans | 1.0538% | 4,099 |
| Net loans and leases to total assets | 30.7710% | 6,673 |
| Net loans and leases to deposits | 34.7551% | 6,716 |
| Net loans and leases to core deposits | 35.2461% | 6,740 |
| Total domestic deposits to total assets | 88.5367% | 1,880 |
| Equity capital to assets | 11.0445% | 2,897 |
| Core capital (leverage) ratio | 10.5274% | 2,729 |
| Tier 1 risk-based capital ratio | 21.2138% | 1,414 |
| Total risk-based capital ratio | 22.4667% | 1,390 |
| Memoranda: | ||
| Average total assets | $63,595,400 | 5,834 |
| Average earning assets | $51,976,200 | 5,983 |
| Average equity | $7,511,800 | 5,634 |
| Average total loans | $19,072,000 | 6,458 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 5,883 |
| Cost of funding earning assets | 0.3513% | 6,368 |
| Net interest margin | 3.5102% | 4,603 |
| Noninterest income to average assets | 0.9392% | 1,707 |
| Noninterest expense to average assets | 2.8689% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9199% | 2,881 |
| Return on assets (ROA) | 1.1643% | 2,046 |
| Pretax return on assets | 1.1643% | 3,115 |
| Return on Equity (ROE) | 9.6818% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.8794% | 1,274 |
| Net charge-offs to loans | -0.0072% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7216% | 2,717 |
| Assets per employee ($millions) | 4.1323% | 3,622 |
| Cash dividends to net income (ytd only)* | 8.2875% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6057% | 1,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 31.1753% | 6,771 |
| Net loans and leases to deposits | 35.8602% | 6,818 |
| Net loans and leases to core deposits | 36.4370% | 6,847 |
| Total domestic deposits to total assets | 86.9355% | 2,708 |
| Equity capital to assets | 12.5417% | 1,865 |
| Core capital (leverage) ratio | 11.3887% | 2,062 |
| Tier 1 risk-based capital ratio | 23.7979% | 1,048 |
| Total risk-based capital ratio | 25.0545% | 1,029 |
| Memoranda: | ||
| Average total assets | $62,182,500 | 5,936 |
| Average earning assets | $50,481,000 | 6,098 |
| Average equity | $7,477,750 | 5,701 |
| Average total loans | $18,383,750 | 6,580 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 6,120 |
| Cost of funding earning assets | 0.3610% | 6,462 |
| Net interest margin | 3.4472% | 4,893 |
| Noninterest income to average assets | 0.8964% | 1,799 |
| Noninterest expense to average assets | 2.8724% | 3,738 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8161% | 3,325 |
| Return on assets (ROA) | 1.1438% | 2,116 |
| Pretax return on assets | 1.1438% | 3,140 |
| Return on Equity (ROE) | 9.6490% | 2,513 |
| Retained earnings to average equity (ytd only) | 8.8359% | 1,330 |
| Net charge-offs to loans | -0.0112% | 6,301 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8746% | 2,475 |
| Assets per employee ($millions) | 3.7696% | 4,387 |
| Cash dividends to net income (ytd only)* | 8.4270% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6565% | 1,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 31.4106% | 6,835 |
| Net loans and leases to deposits | 36.1463% | 6,871 |
| Net loans and leases to core deposits | 36.7443% | 6,899 |
| Total domestic deposits to total assets | 86.8986% | 2,831 |
| Equity capital to assets | 12.4863% | 1,830 |
| Core capital (leverage) ratio | 11.1944% | 2,128 |
| Tier 1 risk-based capital ratio | 23.2957% | 1,098 |
| Total risk-based capital ratio | 24.5529% | 1,077 |
| Memoranda: | ||
| Average total assets | $62,248,330 | 5,970 |
| Average earning assets | $50,418,000 | 6,143 |
| Average equity | $7,379,000 | 5,749 |
| Average total loans | $17,898,000 | 6,653 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 6,463 |
| Cost of funding earning assets | 0.3605% | 6,600 |
| Net interest margin | 3.3228% | 5,396 |
| Noninterest income to average assets | 0.8542% | 1,928 |
| Noninterest expense to average assets | 2.7651% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7720% | 3,517 |
| Return on assets (ROA) | 1.0757% | 2,371 |
| Pretax return on assets | 1.0757% | 3,413 |
| Return on Equity (ROE) | 9.3112% | 2,675 |
| Retained earnings to average equity (ytd only) | 9.3112% | 1,468 |
| Net charge-offs to loans | -0.0234% | 6,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1753% | 2,472 |
| Assets per employee ($millions) | 4.0107% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9592% | 865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 26.4200% | 7,025 |
| Net loans and leases to deposits | 30.0619% | 7,056 |
| Net loans and leases to core deposits | 30.5230% | 7,068 |
| Total domestic deposits to total assets | 87.8855% | 2,406 |
| Equity capital to assets | 11.4709% | 2,464 |
| Core capital (leverage) ratio | 10.7440% | 2,504 |
| Tier 1 risk-based capital ratio | 23.3409% | 1,089 |
| Total risk-based capital ratio | 24.5986% | 1,064 |
| Memoranda: | ||
| Average total assets | $63,215,500 | 5,979 |
| Average earning assets | $51,041,000 | 6,153 |
| Average equity | $7,303,000 | 5,789 |
| Average total loans | $17,116,000 | 6,746 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 6,598 |
| Cost of funding earning assets | 0.4674% | 6,669 |
| Net interest margin | 3.4442% | 5,353 |
| Noninterest income to average assets | 1.0650% | 1,181 |
| Noninterest expense to average assets | 3.0880% | 3,242 |
| Loan and lease loss provision to assets | 0.0518% | 5,942 |
| Net operating income to assets | 0.7491% | 3,264 |
| Return on assets (ROA) | 1.0167% | 2,285 |
| Pretax return on assets | 1.0167% | 3,178 |
| Return on Equity (ROE) | 8.6063% | 2,629 |
| Retained earnings to average equity (ytd only) | 5.5379% | 2,278 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4052% | 2,384 |
| Assets per employee ($millions) | 3.8913% | 4,099 |
| Cash dividends to net income (ytd only)* | 35.6537% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0786% | 759 |
| Loan loss allowance to noncurrent loans | 25,800.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 7,001 |
| Noncurrent loans to loans | 0.0119% | 6,818 |
| Net loans and leases to total assets | 26.0922% | 7,117 |
| Net loans and leases to deposits | 29.6328% | 7,141 |
| Net loans and leases to core deposits | 30.1001% | 7,154 |
| Total domestic deposits to total assets | 88.0517% | 2,118 |
| Equity capital to assets | 11.6367% | 2,399 |
| Core capital (leverage) ratio | 10.4020% | 2,841 |
| Tier 1 risk-based capital ratio | 23.5041% | 1,030 |
| Total risk-based capital ratio | 24.7606% | 1,010 |
| Memoranda: | ||
| Average total assets | $57,933,200 | 6,109 |
| Average earning assets | $47,500,000 | 6,273 |
| Average equity | $6,843,800 | 5,911 |
| Average total loans | $15,839,400 | 6,861 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 6,589 |
| Cost of funding earning assets | 0.4926% | 6,726 |
| Net interest margin | 3.5074% | 5,158 |
| Noninterest income to average assets | 0.8584% | 1,809 |
| Noninterest expense to average assets | 3.1051% | 3,140 |
| Loan and lease loss provision to assets | 0.0704% | 5,571 |
| Net operating income to assets | 0.5887% | 4,137 |
| Return on assets (ROA) | 0.9006% | 2,881 |
| Pretax return on assets | 0.9006% | 3,764 |
| Return on Equity (ROE) | 7.5923% | 3,233 |
| Retained earnings to average equity (ytd only) | 6.7026% | 2,132 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4922% | 1,904 |
| Assets per employee ($millions) | 4.9385% | 2,275 |
| Cash dividends to net income (ytd only)* | 11.7190% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2392% | 696 |
| Loan loss allowance to noncurrent loans | 25,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,084 |
| Noncurrent loans to loans | 0.0126% | 6,921 |
| Net loans and leases to total assets | 20.8081% | 7,277 |
| Net loans and leases to deposits | 23.1271% | 7,302 |
| Net loans and leases to core deposits | 23.4259% | 7,298 |
| Total domestic deposits to total assets | 89.9726% | 880 |
| Equity capital to assets | 9.6697% | 4,827 |
| Core capital (leverage) ratio | 10.2752% | 3,105 |
| Tier 1 risk-based capital ratio | 22.2709% | 1,243 |
| Total risk-based capital ratio | 23.5264% | 1,219 |
| Memoranda: | ||
| Average total assets | $56,851,500 | 6,190 |
| Average earning assets | $47,099,000 | 6,335 |
| Average equity | $6,743,500 | 5,987 |
| Average total loans | $15,609,000 | 6,939 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 5,174 |
| Cost of funding earning assets | 0.5873% | 6,514 |
| Net interest margin | 3.9619% | 3,026 |
| Noninterest income to average assets | 0.9235% | 1,567 |
| Noninterest expense to average assets | 3.4631% | 2,083 |
| Loan and lease loss provision to assets | 0.1174% | 4,805 |
| Net operating income to assets | 0.5635% | 4,247 |
| Return on assets (ROA) | 0.8178% | 3,113 |
| Pretax return on assets | 0.8178% | 3,956 |
| Return on Equity (ROE) | 6.3298% | 3,779 |
| Retained earnings to average equity (ytd only) | 5.4212% | 2,727 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5694% | 1,876 |
| Assets per employee ($millions) | 3.4249% | 5,139 |
| Cash dividends to net income (ytd only)* | 14.3541% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3060% | 700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 29.3767% | 7,202 |
| Net loans and leases to deposits | 34.1147% | 7,212 |
| Net loans and leases to core deposits | 34.7822% | 7,244 |
| Total domestic deposits to total assets | 86.1117% | 3,263 |
| Equity capital to assets | 13.3180% | 1,372 |
| Core capital (leverage) ratio | 12.3945% | 1,407 |
| Tier 1 risk-based capital ratio | 25.4118% | 863 |
| Total risk-based capital ratio | 26.6698% | 846 |
| Memoranda: | ||
| Average total assets | $51,109,670 | 6,446 |
| Average earning assets | $41,545,330 | 6,583 |
| Average equity | $6,603,670 | 6,053 |
| Average total loans | $15,502,000 | 7,013 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 4,797 |
| Cost of funding earning assets | 0.6132% | 6,554 |
| Net interest margin | 4.0240% | 2,592 |
| Noninterest income to average assets | 0.9651% | 1,421 |
| Noninterest expense to average assets | 3.4290% | 2,198 |
| Loan and lease loss provision to assets | 0.2354% | 3,306 |
| Net operating income to assets | 0.5963% | 4,052 |
| Return on assets (ROA) | 0.6905% | 3,621 |
| Pretax return on assets | 0.6905% | 4,343 |
| Return on Equity (ROE) | 5.4283% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.4283% | 2,945 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4788% | 2,441 |
| Assets per employee ($millions) | 3.4337% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3496% | 690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 28.9073% | 7,267 |
| Net loans and leases to deposits | 33.4291% | 7,285 |
| Net loans and leases to core deposits | 34.0787% | 7,305 |
| Total domestic deposits to total assets | 86.4734% | 3,253 |
| Equity capital to assets | 12.8684% | 1,443 |
| Core capital (leverage) ratio | 12.3476% | 1,390 |
| Tier 1 risk-based capital ratio | 24.7325% | 908 |
| Total risk-based capital ratio | 25.9905% | 885 |
| Memoranda: | ||
| Average total assets | $50,977,500 | 6,500 |
| Average earning assets | $41,749,000 | 6,624 |
| Average equity | $6,484,500 | 6,099 |
| Average total loans | $15,449,000 | 7,066 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 3,646 |
| Cost of funding earning assets | 0.6283% | 7,063 |
| Net interest margin | 4.5641% | 1,095 |
| Noninterest income to average assets | 1.0867% | 1,268 |
| Noninterest expense to average assets | 3.6461% | 1,814 |
| Loan and lease loss provision to assets | 0.2587% | 4,720 |
| Net operating income to assets | 1.2075% | 1,396 |
| Return on assets (ROA) | 1.5244% | 784 |
| Pretax return on assets | 1.5244% | 1,313 |
| Return on Equity (ROE) | 11.1108% | 1,553 |
| Retained earnings to average equity (ytd only) | 7.9677% | 985 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3201% | 3,933 |
| Assets per employee ($millions) | 3.3633% | 5,264 |
| Cash dividends to net income (ytd only)* | 28.2885% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1369% | 776 |
| Loan loss allowance to noncurrent loans | 585.5422% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 6,816 |
| Noncurrent loans to loans | 0.5357% | 5,976 |
| Net loans and leases to total assets | 29.7469% | 7,364 |
| Net loans and leases to deposits | 34.3174% | 7,390 |
| Net loans and leases to core deposits | 34.9960% | 7,405 |
| Total domestic deposits to total assets | 86.6816% | 2,991 |
| Equity capital to assets | 12.5691% | 1,590 |
| Core capital (leverage) ratio | 13.1462% | 1,082 |
| Tier 1 risk-based capital ratio | 24.4192% | 894 |
| Total risk-based capital ratio | 25.6789% | 881 |
| Memoranda: | ||
| Average total assets | $46,378,000 | 6,655 |
| Average earning assets | $40,906,400 | 6,678 |
| Average equity | $6,363,200 | 6,247 |
| Average total loans | $15,880,800 | 7,126 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2702% | 3,489 |
| Cost of funding earning assets | 0.6306% | 7,227 |
| Net interest margin | 4.6396% | 962 |
| Noninterest income to average assets | 1.0376% | 1,347 |
| Noninterest expense to average assets | 3.6566% | 1,657 |
| Loan and lease loss provision to assets | 0.2645% | 4,464 |
| Net operating income to assets | 1.2904% | 1,355 |
| Return on assets (ROA) | 1.5285% | 948 |
| Pretax return on assets | 1.5285% | 1,534 |
| Return on Equity (ROE) | 10.8863% | 1,825 |
| Retained earnings to average equity (ytd only) | 9.6301% | 886 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1636% | 4,029 |
| Assets per employee ($millions) | 2.7404% | 6,704 |
| Cash dividends to net income (ytd only)* | 11.5387% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8043% | 998 |
| Loan loss allowance to noncurrent loans | 524.1379% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 6,869 |
| Noncurrent loans to loans | 0.5350% | 6,136 |
| Net loans and leases to total assets | 36.0466% | 7,263 |
| Net loans and leases to deposits | 43.2220% | 7,262 |
| Net loans and leases to core deposits | 43.9345% | 7,326 |
| Total domestic deposits to total assets | 83.3987% | 4,416 |
| Equity capital to assets | 15.5795% | 753 |
| Core capital (leverage) ratio | 14.2059% | 881 |
| Tier 1 risk-based capital ratio | 25.1681% | 851 |
| Total risk-based capital ratio | 26.4273% | 830 |
| Memoranda: | ||
| Average total assets | $45,360,250 | 6,769 |
| Average earning assets | $40,806,750 | 6,765 |
| Average equity | $6,368,750 | 6,328 |
| Average total loans | $15,977,750 | 7,212 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 4,086 |
| Cost of funding earning assets | 0.6374% | 7,324 |
| Net interest margin | 4.5342% | 1,139 |
| Noninterest income to average assets | 0.9899% | 1,405 |
| Noninterest expense to average assets | 3.6280% | 1,711 |
| Loan and lease loss provision to assets | 0.2616% | 4,308 |
| Net operating income to assets | 1.1948% | 1,573 |
| Return on assets (ROA) | 1.3692% | 1,219 |
| Pretax return on assets | 1.3692% | 1,904 |
| Return on Equity (ROE) | 10.1051% | 2,073 |
| Retained earnings to average equity (ytd only) | 9.1397% | 1,067 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3551% | 3,926 |
| Assets per employee ($millions) | 2.9340% | 6,288 |
| Cash dividends to net income (ytd only)* | 9.5541% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6015% | 1,192 |
| Loan loss allowance to noncurrent loans | 468.1319% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 6,885 |
| Noncurrent loans to loans | 0.5557% | 6,138 |
| Net loans and leases to total assets | 36.2395% | 7,339 |
| Net loans and leases to deposits | 42.8886% | 7,360 |
| Net loans and leases to core deposits | 43.5836% | 7,415 |
| Total domestic deposits to total assets | 84.4967% | 3,872 |
| Equity capital to assets | 14.4104% | 1,036 |
| Core capital (leverage) ratio | 13.2188% | 1,135 |
| Tier 1 risk-based capital ratio | 23.6369% | 983 |
| Total risk-based capital ratio | 24.8936% | 962 |
| Memoranda: | ||
| Average total assets | $45,865,000 | 6,794 |
| Average earning assets | $41,418,330 | 6,796 |
| Average equity | $6,214,670 | 6,400 |
| Average total loans | $15,883,330 | 7,266 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8558% | 5,661 |
| Cost of funding earning assets | 0.6317% | 7,492 |
| Net interest margin | 4.2241% | 1,951 |
| Noninterest income to average assets | 0.8890% | 1,669 |
| Noninterest expense to average assets | 3.4877% | 2,016 |
| Loan and lease loss provision to assets | 0.2565% | 3,990 |
| Net operating income to assets | 0.9745% | 2,287 |
| Return on assets (ROA) | 1.2395% | 1,504 |
| Pretax return on assets | 1.2395% | 2,239 |
| Return on Equity (ROE) | 9.4294% | 2,330 |
| Retained earnings to average equity (ytd only) | 9.4294% | 1,292 |
| Net charge-offs to loans | -0.0256% | 7,142 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9130% | 3,589 |
| Assets per employee ($millions) | 2.9296% | 6,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5066% | 1,287 |
| Loan loss allowance to noncurrent loans | 413.5417% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 6,951 |
| Noncurrent loans to loans | 0.6061% | 6,092 |
| Net loans and leases to total assets | 32.9415% | 7,536 |
| Net loans and leases to deposits | 38.5178% | 7,565 |
| Net loans and leases to core deposits | 39.0961% | 7,601 |
| Total domestic deposits to total assets | 85.5229% | 3,404 |
| Equity capital to assets | 13.3763% | 1,375 |
| Core capital (leverage) ratio | 12.4856% | 1,411 |
| Tier 1 risk-based capital ratio | 23.5426% | 1,008 |
| Total risk-based capital ratio | 24.7961% | 982 |
| Memoranda: | ||
| Average total assets | $46,792,500 | 6,846 |
| Average earning assets | $42,423,500 | 6,840 |
| Average equity | $6,151,000 | 6,469 |
| Average total loans | $15,637,500 | 7,369 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 7,215 |
| Cost of funding earning assets | 0.7095% | 7,673 |
| Net interest margin | 3.9403% | 3,118 |
| Noninterest income to average assets | 0.7876% | 2,465 |
| Noninterest expense to average assets | 3.4196% | 2,616 |
| Loan and lease loss provision to assets | 0.2487% | 5,402 |
| Net operating income to assets | 0.6756% | 3,033 |
| Return on assets (ROA) | 1.0445% | 1,732 |
| Pretax return on assets | 1.0445% | 2,437 |
| Return on Equity (ROE) | 8.4416% | 2,221 |
| Retained earnings to average equity (ytd only) | 5.4268% | 1,612 |
| Net charge-offs to loans | 0.9887% | 2,431 |
| Credit loss provision to net charge-offs | 80.5369% | 6,268 |
| Earnings coverage of net charge-offs (x) | 2.9933% | 3,580 |
| Efficiency ratio | 78.7214% | 3,087 |
| Assets per employee ($millions) | 2.9194% | 6,415 |
| Cash dividends to net income (ytd only)* | 35.7143% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3709% | 1,387 |
| Loan loss allowance to noncurrent loans | 366.0000% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 6,932 |
| Noncurrent loans to loans | 0.6478% | 5,941 |
| Net loans and leases to total assets | 32.2643% | 7,649 |
| Net loans and leases to deposits | 37.5498% | 7,692 |
| Net loans and leases to core deposits | 42.2761% | 7,730 |
| Total domestic deposits to total assets | 85.9241% | 3,056 |
| Equity capital to assets | 12.9134% | 1,541 |
| Core capital (leverage) ratio | 12.5145% | 1,450 |
| Tier 1 risk-based capital ratio | 23.6891% | 975 |
| Total risk-based capital ratio | 24.9409% | 957 |
| Memoranda: | ||
| Average total assets | $48,250,600 | 6,781 |
| Average earning assets | $43,550,400 | 6,781 |
| Average equity | $5,970,400 | 6,613 |
| Average total loans | $15,070,200 | 7,446 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 7,323 |
| Cost of funding earning assets | 0.7270% | 7,783 |
| Net interest margin | 3.9485% | 3,042 |
| Noninterest income to average assets | 0.7731% | 2,584 |
| Noninterest expense to average assets | 3.3528% | 2,719 |
| Loan and lease loss provision to assets | 0.2467% | 4,976 |
| Net operating income to assets | 0.7320% | 3,086 |
| Return on assets (ROA) | 1.2199% | 1,477 |
| Pretax return on assets | 1.2199% | 2,201 |
| Return on Equity (ROE) | 9.9634% | 1,922 |
| Retained earnings to average equity (ytd only) | 8.7320% | 913 |
| Net charge-offs to loans | 1.3352% | 1,533 |
| Credit loss provision to net charge-offs | 60.0000% | 6,172 |
| Earnings coverage of net charge-offs (x) | 2.3800% | 4,043 |
| Efficiency ratio | 77.4051% | 3,257 |
| Assets per employee ($millions) | 2.7273% | 6,790 |
| Cash dividends to net income (ytd only)* | 12.3593% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2404% | 1,361 |
| Loan loss allowance to noncurrent loans | 121.3768% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 5,866 |
| Noncurrent loans to loans | 1.8458% | 3,850 |
| Net loans and leases to total assets | 33.4991% | 7,702 |
| Net loans and leases to deposits | 39.7293% | 7,740 |
| Net loans and leases to core deposits | 45.5475% | 7,774 |
| Total domestic deposits to total assets | 84.3184% | 3,567 |
| Equity capital to assets | 14.2723% | 1,215 |
| Core capital (leverage) ratio | 12.7430% | 1,480 |
| Tier 1 risk-based capital ratio | 25.1392% | 879 |
| Total risk-based capital ratio | 26.3915% | 861 |
| Memoranda: | ||
| Average total assets | $48,635,500 | 6,817 |
| Average earning assets | $43,830,250 | 6,824 |
| Average equity | $5,955,000 | 6,677 |
| Average total loans | $14,978,500 | 7,523 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 7,545 |
| Cost of funding earning assets | 0.7599% | 7,865 |
| Net interest margin | 3.8347% | 3,391 |
| Noninterest income to average assets | 0.7395% | 2,763 |
| Noninterest expense to average assets | 3.1410% | 3,534 |
| Loan and lease loss provision to assets | 0.2386% | 4,680 |
| Net operating income to assets | 0.8111% | 2,812 |
| Return on assets (ROA) | 1.0298% | 2,087 |
| Pretax return on assets | 1.0298% | 2,886 |
| Return on Equity (ROE) | 8.8336% | 2,419 |
| Retained earnings to average equity (ytd only) | 7.6398% | 1,337 |
| Net charge-offs to loans | 1.9884% | 932 |
| Credit loss provision to net charge-offs | 40.2685% | 5,900 |
| Earnings coverage of net charge-offs (x) | 1.7718% | 4,230 |
| Efficiency ratio | 74.9526% | 3,884 |
| Assets per employee ($millions) | 2.9464% | 6,278 |
| Cash dividends to net income (ytd only)* | 13.5135% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0988% | 1,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 6,518 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 30.2787% | 7,879 |
| Net loans and leases to deposits | 35.1524% | 7,915 |
| Net loans and leases to core deposits | 39.6864% | 7,933 |
| Total domestic deposits to total assets | 86.1355% | 2,719 |
| Equity capital to assets | 12.4242% | 1,961 |
| Core capital (leverage) ratio | 11.4024% | 2,132 |
| Tier 1 risk-based capital ratio | 24.5025% | 983 |
| Total risk-based capital ratio | 25.7549% | 969 |
| Memoranda: | ||
| Average total assets | $50,301,670 | 6,814 |
| Average earning assets | $45,270,330 | 6,826 |
| Average equity | $5,864,000 | 6,775 |
| Average total loans | $14,987,000 | 7,594 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 7,680 |
| Cost of funding earning assets | 0.8125% | 7,896 |
| Net interest margin | 3.7238% | 3,786 |
| Noninterest income to average assets | 0.6862% | 2,967 |
| Noninterest expense to average assets | 2.9606% | 3,939 |
| Loan and lease loss provision to assets | 0.2313% | 4,139 |
| Net operating income to assets | 0.8866% | 2,751 |
| Return on assets (ROA) | 0.9098% | 2,807 |
| Pretax return on assets | 0.9098% | 3,680 |
| Return on Equity (ROE) | 8.0443% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.0443% | 1,798 |
| Net charge-offs to loans | -0.0527% | 7,709 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5898% | 4,088 |
| Assets per employee ($millions) | 3.1978% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8896% | 537 |
| Loan loss allowance to noncurrent loans | 284.6667% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 5,573 |
| Noncurrent loans to loans | 1.0151% | 4,968 |
| Net loans and leases to total assets | 28.0471% | 7,960 |
| Net loans and leases to deposits | 32.2168% | 8,008 |
| Net loans and leases to core deposits | 35.8177% | 8,030 |
| Total domestic deposits to total assets | 87.0573% | 2,185 |
| Equity capital to assets | 11.5648% | 2,550 |
| Core capital (leverage) ratio | 10.5089% | 2,913 |
| Tier 1 risk-based capital ratio | 24.2495% | 1,053 |
| Total risk-based capital ratio | 25.5084% | 1,030 |
| Memoranda: | ||
| Average total assets | $51,881,500 | 6,787 |
| Average earning assets | $47,264,000 | 6,777 |
| Average equity | $5,867,500 | 6,824 |
| Average total loans | $15,190,500 | 7,623 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 7,113 |
| Cost of funding earning assets | 1.3763% | 7,765 |
| Net interest margin | 4.2111% | 2,274 |
| Noninterest income to average assets | 0.7511% | 2,776 |
| Noninterest expense to average assets | 3.3200% | 2,901 |
| Loan and lease loss provision to assets | 0.2490% | 4,428 |
| Net operating income to assets | 1.0167% | 2,491 |
| Return on assets (ROA) | 1.0645% | 2,192 |
| Pretax return on assets | 1.0645% | 3,162 |
| Return on Equity (ROE) | 9.3709% | 2,489 |
| Retained earnings to average equity (ytd only) | 5.1695% | 1,921 |
| Net charge-offs to loans | 0.3908% | 2,863 |
| Credit loss provision to net charge-offs | 196.7213% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,588 |
| Efficiency ratio | 72.3982% | 3,861 |
| Assets per employee ($millions) | 3.2874% | 5,246 |
| Cash dividends to net income (ytd only)* | 44.8343% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5314% | 656 |
| Loan loss allowance to noncurrent loans | 263.3333% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 5,337 |
| Noncurrent loans to loans | 0.9613% | 4,679 |
| Net loans and leases to total assets | 28.9150% | 8,018 |
| Net loans and leases to deposits | 33.0250% | 8,080 |
| Net loans and leases to core deposits | 37.1440% | 8,093 |
| Total domestic deposits to total assets | 87.5549% | 1,689 |
| Equity capital to assets | 11.0610% | 2,991 |
| Core capital (leverage) ratio | 10.6949% | 2,829 |
| Tier 1 risk-based capital ratio | 22.9277% | 1,205 |
| Total risk-based capital ratio | 24.1824% | 1,175 |
| Memoranda: | ||
| Average total assets | $48,193,000 | 6,853 |
| Average earning assets | $43,884,200 | 6,857 |
| Average equity | $5,474,400 | 6,986 |
| Average total loans | $15,607,600 | 7,612 |