Home > The First National Bank of Evant > Performance and Condition Ratios
The First National Bank of Evant, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 2,955 |
| Cost of funding earning assets | 0.6978% | 3,932 |
| Net interest margin | 3.8782% | 1,420 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.8131% | 1,466 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.5292% | 967 |
| Return on assets (ROA) | 1.5292% | 938 |
| Pretax return on assets | 1.5292% | 1,357 |
| Return on Equity (ROE) | 22.4100% | 435 |
| Retained earnings to average equity (ytd only) | 15.0128% | 326 |
| Net charge-offs to loans | 0.0218% | 1,895 |
| Credit loss provision to net charge-offs | 119.0476% | 1,681 |
| Earnings coverage of net charge-offs (x) | 117.5714% | 830 |
| Efficiency ratio | 63.6755% | 2,644 |
| Assets per employee ($millions) | 5.7973% | 2,982 |
| Cash dividends to net income (ytd only)* | 33.0196% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 4,044 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.6300% | 2,706 |
| Net loans and leases to deposits | 71.4757% | 2,785 |
| Net loans and leases to core deposits | 79.5695% | 2,728 |
| Total domestic deposits to total assets | 86.2200% | 1,943 |
| Equity capital to assets | 7.4856% | 3,723 |
| Core capital (leverage) ratio | 9.0400% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $159,826,400 | 3,271 |
| Average earning assets | $150,326,400 | 3,247 |
| Average equity | $10,904,000 | 3,625 |
| Average total loans | $96,465,400 | 3,214 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 3,053 |
| Cost of funding earning assets | 0.5449% | 4,071 |
| Net interest margin | 3.8793% | 1,449 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.8322% | 1,363 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5103% | 1,096 |
| Return on assets (ROA) | 1.5103% | 1,090 |
| Pretax return on assets | 1.5103% | 1,535 |
| Return on Equity (ROE) | 22.7300% | 507 |
| Retained earnings to average equity (ytd only) | 12.4634% | 892 |
| Net charge-offs to loans | 0.0155% | 1,840 |
| Credit loss provision to net charge-offs | 227.2727% | 1,041 |
| Earnings coverage of net charge-offs (x) | 164.7273% | 687 |
| Efficiency ratio | 64.0132% | 2,491 |
| Assets per employee ($millions) | 5.5699% | 3,125 |
| Cash dividends to net income (ytd only)* | 45.1595% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 3,999 |
| Loan loss allowance to noncurrent loans | 80,000.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,882 |
| Noncurrent loans to loans | 0.0010% | 3,828 |
| Net loans and leases to total assets | 62.0900% | 2,650 |
| Net loans and leases to deposits | 71.6584% | 2,729 |
| Net loans and leases to core deposits | 78.6099% | 2,707 |
| Total domestic deposits to total assets | 86.6500% | 1,998 |
| Equity capital to assets | 6.8422% | 3,689 |
| Core capital (leverage) ratio | 9.1723% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $157,752,250 | 3,306 |
| Average earning assets | $149,507,000 | 3,265 |
| Average equity | $10,483,750 | 3,668 |
| Average total loans | $94,482,000 | 3,239 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 3,001 |
| Cost of funding earning assets | 0.3636% | 4,221 |
| Net interest margin | 3.9844% | 1,275 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.8627% | 1,297 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.5783% | 977 |
| Return on assets (ROA) | 1.5783% | 976 |
| Pretax return on assets | 1.5783% | 1,451 |
| Return on Equity (ROE) | 23.9900% | 432 |
| Retained earnings to average equity (ytd only) | 8.3153% | 1,870 |
| Net charge-offs to loans | 0.0130% | 1,704 |
| Credit loss provision to net charge-offs | 416.6667% | 714 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 583 |
| Efficiency ratio | 63.1143% | 2,581 |
| Assets per employee ($millions) | 5.8132% | 2,873 |
| Cash dividends to net income (ytd only)* | 65.3441% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 3,927 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.4600% | 2,730 |
| Net loans and leases to deposits | 69.6828% | 2,810 |
| Net loans and leases to core deposits | 75.2556% | 2,808 |
| Total domestic deposits to total assets | 86.7600% | 2,006 |
| Equity capital to assets | 6.6592% | 3,922 |
| Core capital (leverage) ratio | 9.0051% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4362% | 1,444 |
| Memoranda: | ||
| Average total assets | $156,493,667 | 3,332 |
| Average earning assets | $148,529,000 | 3,286 |
| Average equity | $10,294,333 | 3,706 |
| Average total loans | $92,277,333 | 3,265 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,735 |
| Cost of funding earning assets | 0.2080% | 4,367 |
| Net interest margin | 4.1187% | 1,070 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.7083% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8866% | 587 |
| Return on assets (ROA) | 1.8866% | 580 |
| Pretax return on assets | 1.8866% | 928 |
| Return on Equity (ROE) | 28.8600% | 261 |
| Retained earnings to average equity (ytd only) | 28.8581% | 123 |
| Net charge-offs to loans | 0.0088% | 1,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 368.5000% | 305 |
| Efficiency ratio | 58.1058% | 3,184 |
| Assets per employee ($millions) | 5.7324% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 3,978 |
| Loan loss allowance to noncurrent loans | 2,529.0323% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,607 |
| Noncurrent loans to loans | 0.0337% | 3,509 |
| Net loans and leases to total assets | 58.8800% | 2,776 |
| Net loans and leases to deposits | 63.3894% | 3,138 |
| Net loans and leases to core deposits | 66.4741% | 3,191 |
| Total domestic deposits to total assets | 92.8800% | 326 |
| Equity capital to assets | 6.9739% | 3,843 |
| Core capital (leverage) ratio | 9.0220% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1352% | 974 |
| Memoranda: | ||
| Average total assets | $156,262,500 | 3,374 |
| Average earning assets | $148,106,000 | 3,330 |
| Average equity | $10,215,500 | 3,758 |
| Average total loans | $90,567,500 | 3,324 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6170% | 2,753 |
| Cost of funding earning assets | 0.1712% | 3,990 |
| Net interest margin | 3.4458% | 2,112 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.4958% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4480% | 1,012 |
| Return on assets (ROA) | 1.4480% | 972 |
| Pretax return on assets | 1.4480% | 1,622 |
| Return on Equity (ROE) | 22.7600% | 289 |
| Retained earnings to average equity (ytd only) | 14.8749% | 302 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.3079% | 2,720 |
| Assets per employee ($millions) | 5.8426% | 2,910 |
| Cash dividends to net income (ytd only)* | 34.6556% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 3,838 |
| Loan loss allowance to noncurrent loans | 1,048.0000% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 3,332 |
| Noncurrent loans to loans | 0.0841% | 3,154 |
| Net loans and leases to total assets | 56.0600% | 3,024 |
| Net loans and leases to deposits | 59.7826% | 3,338 |
| Net loans and leases to core deposits | 62.5107% | 3,363 |
| Total domestic deposits to total assets | 93.7800% | 269 |
| Equity capital to assets | 6.1091% | 4,049 |
| Core capital (leverage) ratio | 8.1777% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5971% | 1,040 |
| Memoranda: | ||
| Average total assets | $158,429,200 | 3,363 |
| Average earning assets | $150,097,400 | 3,330 |
| Average equity | $10,077,400 | 3,863 |
| Average total loans | $80,064,200 | 3,417 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 2,922 |
| Cost of funding earning assets | 0.1732% | 3,588 |
| Net interest margin | 3.2268% | 2,543 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.4968% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2055% | 1,678 |
| Return on assets (ROA) | 1.2055% | 1,656 |
| Pretax return on assets | 1.2055% | 2,346 |
| Return on Equity (ROE) | 18.7700% | 549 |
| Retained earnings to average equity (ytd only) | 10.6926% | 1,135 |
| Net charge-offs to loans | -0.0017% | 3,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.3942% | 2,228 |
| Assets per employee ($millions) | 6.5666% | 2,267 |
| Cash dividends to net income (ytd only)* | 43.0265% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 3,676 |
| Loan loss allowance to noncurrent loans | 1,049.3333% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,444 |
| Noncurrent loans to loans | 0.0909% | 3,231 |
| Net loans and leases to total assets | 49.7800% | 3,477 |
| Net loans and leases to deposits | 52.7387% | 3,685 |
| Net loans and leases to core deposits | 55.2868% | 3,670 |
| Total domestic deposits to total assets | 94.3800% | 309 |
| Equity capital to assets | 5.4147% | 4,157 |
| Core capital (leverage) ratio | 7.8176% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6402% | 1,056 |
| Memoranda: | ||
| Average total assets | $158,599,250 | 3,378 |
| Average earning assets | $150,075,000 | 3,348 |
| Average equity | $10,187,500 | 3,895 |
| Average total loans | $77,774,500 | 3,457 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2518% | 2,892 |
| Cost of funding earning assets | 0.1744% | 3,259 |
| Net interest margin | 3.0774% | 2,612 |
| Noninterest income to average assets | 0.6482% | 1,549 |
| Noninterest expense to average assets | 2.4562% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0961% | 1,785 |
| Return on assets (ROA) | 1.0961% | 1,765 |
| Pretax return on assets | 1.0961% | 2,426 |
| Return on Equity (ROE) | 16.1765% | 673 |
| Retained earnings to average equity (ytd only) | 4.5573% | 2,858 |
| Net charge-offs to loans | -0.0525% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0316% | 2,239 |
| Assets per employee ($millions) | 6.3187% | 2,466 |
| Cash dividends to net income (ytd only)* | 71.8277% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 3,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.4110% | 3,430 |
| Net loans and leases to deposits | 52.5461% | 3,643 |
| Net loans and leases to core deposits | 55.1939% | 3,633 |
| Total domestic deposits to total assets | 94.0336% | 278 |
| Equity capital to assets | 5.7892% | 4,275 |
| Core capital (leverage) ratio | 7.5505% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4762% | 1,083 |
| Memoranda: | ||
| Average total assets | $156,744,333 | 3,446 |
| Average earning assets | $147,919,000 | 3,415 |
| Average equity | $10,620,333 | 3,921 |
| Average total loans | $76,198,667 | 3,514 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1302% | 2,879 |
| Cost of funding earning assets | 0.1754% | 3,151 |
| Net interest margin | 2.9548% | 2,656 |
| Noninterest income to average assets | 0.6354% | 1,553 |
| Noninterest expense to average assets | 2.4364% | 2,053 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0043% | 1,869 |
| Return on assets (ROA) | 1.0043% | 1,859 |
| Pretax return on assets | 1.0043% | 2,427 |
| Return on Equity (ROE) | 13.8052% | 868 |
| Retained earnings to average equity (ytd only) | 10.2835% | 953 |
| Net charge-offs to loans | -0.1282% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6947% | 2,276 |
| Assets per employee ($millions) | 6.3719% | 2,476 |
| Cash dividends to net income (ytd only)* | 25.5102% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 45.7953% | 3,600 |
| Net loans and leases to deposits | 49.4214% | 3,781 |
| Net loans and leases to core deposits | 51.8232% | 3,744 |
| Total domestic deposits to total assets | 92.6628% | 359 |
| Equity capital to assets | 7.1890% | 4,106 |
| Core capital (leverage) ratio | 7.7770% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3854% | 981 |
| Memoranda: | ||
| Average total assets | $156,133,000 | 3,461 |
| Average earning assets | $148,235,000 | 3,426 |
| Average equity | $11,358,000 | 3,920 |
| Average total loans | $74,868,500 | 3,542 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 2,098 |
| Cost of funding earning assets | 0.1958% | 3,515 |
| Net interest margin | 3.5103% | 1,699 |
| Noninterest income to average assets | 0.6533% | 1,929 |
| Noninterest expense to average assets | 2.7166% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2203% | 1,855 |
| Return on assets (ROA) | 1.2203% | 1,902 |
| Pretax return on assets | 1.2203% | 2,598 |
| Return on Equity (ROE) | 14.8376% | 987 |
| Retained earnings to average equity (ytd only) | 10.2332% | 859 |
| Net charge-offs to loans | -0.0071% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8698% | 2,001 |
| Assets per employee ($millions) | 6.1187% | 2,646 |
| Cash dividends to net income (ytd only)* | 31.0324% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 3,616 |
| Loan loss allowance to noncurrent loans | 19,650.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,165 |
| Noncurrent loans to loans | 0.0053% | 4,072 |
| Net loans and leases to total assets | 49.1541% | 3,386 |
| Net loans and leases to deposits | 53.1416% | 3,654 |
| Net loans and leases to core deposits | 55.7244% | 3,642 |
| Total domestic deposits to total assets | 92.4965% | 94 |
| Equity capital to assets | 7.3636% | 4,637 |
| Core capital (leverage) ratio | 7.8814% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6625% | 1,125 |
| Memoranda: | ||
| Average total assets | $136,528,600 | 3,614 |
| Average earning assets | $127,711,000 | 3,601 |
| Average equity | $11,228,200 | 4,011 |
| Average total loans | $70,737,200 | 3,632 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 1,826 |
| Cost of funding earning assets | 0.1992% | 3,612 |
| Net interest margin | 3.6782% | 1,389 |
| Noninterest income to average assets | 0.6122% | 2,165 |
| Noninterest expense to average assets | 2.7669% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2667% | 1,932 |
| Return on assets (ROA) | 1.2667% | 1,990 |
| Pretax return on assets | 1.2667% | 2,712 |
| Return on Equity (ROE) | 14.9501% | 1,152 |
| Retained earnings to average equity (ytd only) | 8.8061% | 1,766 |
| Net charge-offs to loans | -0.0211% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4488% | 1,905 |
| Assets per employee ($millions) | 5.8729% | 2,815 |
| Cash dividends to net income (ytd only)* | 41.0970% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 3,457 |
| Loan loss allowance to noncurrent loans | 79,200.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,299 |
| Noncurrent loans to loans | 0.0014% | 4,221 |
| Net loans and leases to total assets | 48.6794% | 3,555 |
| Net loans and leases to deposits | 52.9454% | 3,812 |
| Net loans and leases to core deposits | 55.5135% | 3,811 |
| Total domestic deposits to total assets | 91.9426% | 140 |
| Equity capital to assets | 7.8530% | 4,584 |
| Core capital (leverage) ratio | 7.9344% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,418,750 | 3,690 |
| Average earning assets | $123,174,500 | 3,684 |
| Average equity | $11,219,250 | 4,063 |
| Average total loans | $69,427,500 | 3,713 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 1,135 |
| Cost of funding earning assets | 0.2002% | 3,746 |
| Net interest margin | 4.0287% | 782 |
| Noninterest income to average assets | 0.6159% | 2,145 |
| Noninterest expense to average assets | 2.8068% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5311% | 1,213 |
| Return on assets (ROA) | 1.5311% | 1,277 |
| Pretax return on assets | 1.5311% | 1,923 |
| Return on Equity (ROE) | 17.5788% | 701 |
| Retained earnings to average equity (ytd only) | 8.2766% | 1,987 |
| Net charge-offs to loans | -0.0175% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5838% | 2,486 |
| Assets per employee ($millions) | 5.2708% | 3,382 |
| Cash dividends to net income (ytd only)* | 52.9171% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,346 |
| Loan loss allowance to noncurrent loans | 78,700.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,346 |
| Noncurrent loans to loans | 0.0014% | 4,269 |
| Net loans and leases to total assets | 50.9151% | 3,460 |
| Net loans and leases to deposits | 55.5747% | 3,743 |
| Net loans and leases to core deposits | 57.8576% | 3,762 |
| Total domestic deposits to total assets | 91.6156% | 216 |
| Equity capital to assets | 8.1940% | 4,435 |
| Core capital (leverage) ratio | 8.2703% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,617,667 | 3,754 |
| Average earning assets | $117,903,667 | 3,758 |
| Average equity | $11,115,667 | 4,087 |
| Average total loans | $68,482,000 | 3,755 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 766 |
| Cost of funding earning assets | 0.1997% | 3,915 |
| Net interest margin | 4.3077% | 510 |
| Noninterest income to average assets | 0.5988% | 2,217 |
| Noninterest expense to average assets | 2.8607% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6696% | 990 |
| Return on assets (ROA) | 1.6696% | 1,041 |
| Pretax return on assets | 1.6696% | 1,559 |
| Return on Equity (ROE) | 18.5550% | 664 |
| Retained earnings to average equity (ytd only) | 18.5550% | 337 |
| Net charge-offs to loans | -0.0356% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9971% | 2,761 |
| Assets per employee ($millions) | 4.9161% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,199 |
| Loan loss allowance to noncurrent loans | 11,242.8571% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,359 |
| Noncurrent loans to loans | 0.0102% | 4,262 |
| Net loans and leases to total assets | 53.0344% | 3,347 |
| Net loans and leases to deposits | 58.2797% | 3,624 |
| Net loans and leases to core deposits | 60.5943% | 3,663 |
| Total domestic deposits to total assets | 90.9998% | 395 |
| Equity capital to assets | 8.8469% | 3,835 |
| Core capital (leverage) ratio | 9.1994% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,906,500 | 3,832 |
| Average earning assets | $112,170,500 | 3,840 |
| Average equity | $11,059,000 | 4,102 |
| Average total loans | $67,442,500 | 3,784 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 1,062 |
| Cost of funding earning assets | 0.2304% | 4,464 |
| Net interest margin | 4.3901% | 415 |
| Noninterest income to average assets | 0.6686% | 1,957 |
| Noninterest expense to average assets | 3.2551% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4627% | 894 |
| Return on assets (ROA) | 1.4627% | 973 |
| Pretax return on assets | 1.4627% | 1,460 |
| Return on Equity (ROE) | 15.3019% | 589 |
| Retained earnings to average equity (ytd only) | 8.2977% | 972 |
| Net charge-offs to loans | 0.0296% | 2,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 76.0476% | 924 |
| Efficiency ratio | 67.8121% | 2,256 |
| Assets per employee ($millions) | 4.3701% | 4,043 |
| Cash dividends to net income (ytd only)* | 45.7733% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 3,066 |
| Loan loss allowance to noncurrent loans | 743.8095% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 3,878 |
| Noncurrent loans to loans | 0.1583% | 3,646 |
| Net loans and leases to total assets | 55.5359% | 3,343 |
| Net loans and leases to deposits | 61.1929% | 3,664 |
| Net loans and leases to core deposits | 63.7113% | 3,707 |
| Total domestic deposits to total assets | 90.7555% | 290 |
| Equity capital to assets | 9.1615% | 3,927 |
| Core capital (leverage) ratio | 9.1046% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,181,600 | 3,887 |
| Average earning assets | $100,704,600 | 3,883 |
| Average equity | $10,436,600 | 4,159 |
| Average total loans | $70,831,800 | 3,717 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 759 |
| Cost of funding earning assets | 0.2327% | 4,560 |
| Net interest margin | 4.6502% | 287 |
| Noninterest income to average assets | 0.6294% | 2,068 |
| Noninterest expense to average assets | 3.3277% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5853% | 756 |
| Return on assets (ROA) | 1.5853% | 828 |
| Pretax return on assets | 1.5853% | 1,222 |
| Return on Equity (ROE) | 16.3968% | 503 |
| Retained earnings to average equity (ytd only) | 8.9074% | 1,008 |
| Net charge-offs to loans | 0.0278% | 2,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 84.8000% | 889 |
| Efficiency ratio | 66.5652% | 2,390 |
| Assets per employee ($millions) | 4.1792% | 4,162 |
| Cash dividends to net income (ytd only)* | 45.6761% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 3,098 |
| Loan loss allowance to noncurrent loans | 596.2121% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 3,844 |
| Noncurrent loans to loans | 0.1879% | 3,639 |
| Net loans and leases to total assets | 61.5759% | 3,062 |
| Net loans and leases to deposits | 68.1253% | 3,456 |
| Net loans and leases to core deposits | 71.7786% | 3,493 |
| Total domestic deposits to total assets | 90.3862% | 313 |
| Equity capital to assets | 9.4339% | 3,739 |
| Core capital (leverage) ratio | 9.3097% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,978,500 | 3,910 |
| Average earning assets | $98,544,250 | 3,910 |
| Average equity | $10,343,250 | 4,178 |
| Average total loans | $71,962,250 | 3,708 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2223% | 539 |
| Cost of funding earning assets | 0.2347% | 4,670 |
| Net interest margin | 4.9876% | 212 |
| Noninterest income to average assets | 0.6379% | 1,980 |
| Noninterest expense to average assets | 3.4068% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8034% | 494 |
| Return on assets (ROA) | 1.8034% | 547 |
| Pretax return on assets | 1.8034% | 808 |
| Return on Equity (ROE) | 18.4913% | 334 |
| Retained earnings to average equity (ytd only) | 7.1466% | 1,596 |
| Net charge-offs to loans | 0.0303% | 2,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 86.0909% | 772 |
| Efficiency ratio | 64.2544% | 2,793 |
| Assets per employee ($millions) | 4.1285% | 4,177 |
| Cash dividends to net income (ytd only)* | 61.3516% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,099 |
| Loan loss allowance to noncurrent loans | 573.1884% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 3,912 |
| Noncurrent loans to loans | 0.1910% | 3,692 |
| Net loans and leases to total assets | 64.1237% | 2,863 |
| Net loans and leases to deposits | 70.8222% | 3,359 |
| Net loans and leases to core deposits | 74.6600% | 3,408 |
| Total domestic deposits to total assets | 90.5418% | 266 |
| Equity capital to assets | 9.2959% | 3,834 |
| Core capital (leverage) ratio | 9.1806% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1533% | 1,025 |
| Memoranda: | ||
| Average total assets | $105,025,333 | 3,923 |
| Average earning assets | $96,279,333 | 3,935 |
| Average equity | $10,242,667 | 4,193 |
| Average total loans | $72,527,000 | 3,705 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2841% | 566 |
| Cost of funding earning assets | 0.2416% | 4,791 |
| Net interest margin | 5.0426% | 175 |
| Noninterest income to average assets | 0.6876% | 1,689 |
| Noninterest expense to average assets | 3.5441% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7367% | 470 |
| Return on assets (ROA) | 1.7367% | 522 |
| Pretax return on assets | 1.7367% | 802 |
| Return on Equity (ROE) | 17.3623% | 303 |
| Retained earnings to average equity (ytd only) | 17.3623% | 99 |
| Net charge-offs to loans | 0.0385% | 1,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 63.1429% | 782 |
| Efficiency ratio | 65.9970% | 2,961 |
| Assets per employee ($millions) | 3.8648% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,124 |
| Loan loss allowance to noncurrent loans | 575.3623% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 3,980 |
| Noncurrent loans to loans | 0.1934% | 3,785 |
| Net loans and leases to total assets | 67.6090% | 2,597 |
| Net loans and leases to deposits | 75.2261% | 3,149 |
| Net loans and leases to core deposits | 79.3008% | 3,258 |
| Total domestic deposits to total assets | 89.8745% | 361 |
| Equity capital to assets | 9.9952% | 3,791 |
| Core capital (leverage) ratio | 10.0234% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8260% | 1,005 |
| Memoranda: | ||
| Average total assets | $101,803,500 | 3,964 |
| Average earning assets | $92,730,500 | 3,990 |
| Average equity | $10,183,000 | 4,220 |
| Average total loans | $72,656,000 | 3,712 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 817 |
| Cost of funding earning assets | 0.2401% | 4,874 |
| Net interest margin | 5.0591% | 235 |
| Noninterest income to average assets | 0.7338% | 1,690 |
| Noninterest expense to average assets | 3.4825% | 986 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9152% | 420 |
| Return on assets (ROA) | 1.9152% | 437 |
| Pretax return on assets | 1.9152% | 724 |
| Return on Equity (ROE) | 20.9762% | 165 |
| Retained earnings to average equity (ytd only) | 15.6803% | 76 |
| Net charge-offs to loans | 0.0466% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 58.2121% | 999 |
| Efficiency ratio | 63.3727% | 3,165 |
| Assets per employee ($millions) | 3.8176% | 4,136 |
| Cash dividends to net income (ytd only)* | 25.2473% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,036 |
| Loan loss allowance to noncurrent loans | 598.5075% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 3,961 |
| Noncurrent loans to loans | 0.1812% | 3,809 |
| Net loans and leases to total assets | 73.7137% | 1,799 |
| Net loans and leases to deposits | 82.0596% | 2,553 |
| Net loans and leases to core deposits | 86.7986% | 2,727 |
| Total domestic deposits to total assets | 89.8294% | 380 |
| Equity capital to assets | 10.0104% | 3,906 |
| Core capital (leverage) ratio | 9.7628% | 3,776 |
| Tier 1 risk-based capital ratio | 15.3354% | 2,642 |
| Total risk-based capital ratio | 16.5848% | 2,575 |
| Memoranda: | ||
| Average total assets | $100,302,000 | 3,997 |
| Average earning assets | $92,466,800 | 4,008 |
| Average equity | $9,158,000 | 4,350 |
| Average total loans | $70,775,400 | 3,763 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2351% | 969 |
| Cost of funding earning assets | 0.2386% | 4,954 |
| Net interest margin | 4.9965% | 292 |
| Noninterest income to average assets | 0.7053% | 1,760 |
| Noninterest expense to average assets | 3.3477% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9662% | 422 |
| Return on assets (ROA) | 1.9662% | 442 |
| Pretax return on assets | 1.9662% | 739 |
| Return on Equity (ROE) | 22.0592% | 162 |
| Retained earnings to average equity (ytd only) | 14.8450% | 157 |
| Net charge-offs to loans | 0.0114% | 2,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 247.1600% | 378 |
| Efficiency ratio | 61.8513% | 3,347 |
| Assets per employee ($millions) | 3.6876% | 4,288 |
| Cash dividends to net income (ytd only)* | 32.7040% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 2,806 |
| Loan loss allowance to noncurrent loans | 292.9329% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 3,415 |
| Noncurrent loans to loans | 0.3903% | 3,147 |
| Net loans and leases to total assets | 71.9939% | 2,175 |
| Net loans and leases to deposits | 79.7632% | 2,927 |
| Net loans and leases to core deposits | 84.3254% | 3,067 |
| Total domestic deposits to total assets | 90.2595% | 225 |
| Equity capital to assets | 9.5456% | 4,421 |
| Core capital (leverage) ratio | 9.1914% | 4,481 |
| Tier 1 risk-based capital ratio | 14.8250% | 2,939 |
| Total risk-based capital ratio | 16.0748% | 2,868 |
| Memoranda: | ||
| Average total assets | $100,563,250 | 4,036 |
| Average earning assets | $92,756,750 | 4,038 |
| Average equity | $8,963,500 | 4,428 |
| Average total loans | $69,977,250 | 3,816 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1757% | 1,031 |
| Cost of funding earning assets | 0.2339% | 4,998 |
| Net interest margin | 4.9418% | 330 |
| Noninterest income to average assets | 0.6581% | 1,881 |
| Noninterest expense to average assets | 3.3183% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9049% | 476 |
| Return on assets (ROA) | 1.9049% | 498 |
| Pretax return on assets | 1.9049% | 829 |
| Return on Equity (ROE) | 21.8824% | 168 |
| Retained earnings to average equity (ytd only) | 10.8387% | 572 |
| Net charge-offs to loans | 0.0087% | 2,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 320.3333% | 247 |
| Efficiency ratio | 62.3529% | 3,374 |
| Assets per employee ($millions) | 4.0552% | 3,797 |
| Cash dividends to net income (ytd only)* | 50.4683% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,551 |
| Loan loss allowance to noncurrent loans | 523.2704% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 3,538 |
| Noncurrent loans to loans | 0.2284% | 3,719 |
| Net loans and leases to total assets | 67.8467% | 2,833 |
| Net loans and leases to deposits | 74.5696% | 3,472 |
| Net loans and leases to core deposits | 78.9384% | 3,508 |
| Total domestic deposits to total assets | 90.9844% | 108 |
| Equity capital to assets | 8.8597% | 4,872 |
| Core capital (leverage) ratio | 8.4142% | 5,003 |
| Tier 1 risk-based capital ratio | 14.7151% | 2,954 |
| Total risk-based capital ratio | 15.9663% | 2,885 |
| Memoranda: | ||
| Average total assets | $100,896,330 | 4,054 |
| Average earning assets | $93,204,000 | 4,052 |
| Average equity | $8,783,330 | 4,469 |
| Average total loans | $69,133,330 | 3,853 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0653% | 1,176 |
| Cost of funding earning assets | 0.2279% | 5,048 |
| Net interest margin | 4.8374% | 375 |
| Noninterest income to average assets | 0.6676% | 1,740 |
| Noninterest expense to average assets | 3.2626% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8757% | 478 |
| Return on assets (ROA) | 1.8757% | 494 |
| Pretax return on assets | 1.8757% | 838 |
| Return on Equity (ROE) | 21.7411% | 182 |
| Retained earnings to average equity (ytd only) | 21.7411% | 75 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3357% | 3,482 |
| Assets per employee ($millions) | 3.9628% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,645 |
| Loan loss allowance to noncurrent loans | 482.6590% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 3,548 |
| Noncurrent loans to loans | 0.2463% | 3,681 |
| Net loans and leases to total assets | 67.3723% | 2,844 |
| Net loans and leases to deposits | 73.8685% | 3,463 |
| Net loans and leases to core deposits | 78.1287% | 3,509 |
| Total domestic deposits to total assets | 91.2056% | 132 |
| Equity capital to assets | 8.6682% | 4,894 |
| Core capital (leverage) ratio | 8.6792% | 4,890 |
| Tier 1 risk-based capital ratio | 14.6188% | 3,055 |
| Total risk-based capital ratio | 15.8700% | 2,975 |
| Memoranda: | ||
| Average total assets | $100,654,500 | 4,097 |
| Average earning assets | $93,025,000 | 4,097 |
| Average equity | $8,684,000 | 4,511 |
| Average total loans | $68,892,500 | 3,894 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9536% | 1,151 |
| Cost of funding earning assets | 0.2282% | 4,895 |
| Net interest margin | 4.7254% | 460 |
| Noninterest income to average assets | 0.6842% | 1,913 |
| Noninterest expense to average assets | 3.4098% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6186% | 830 |
| Return on assets (ROA) | 1.6186% | 826 |
| Pretax return on assets | 1.6186% | 1,410 |
| Return on Equity (ROE) | 20.0374% | 247 |
| Retained earnings to average equity (ytd only) | 14.4586% | 139 |
| Net charge-offs to loans | 0.0300% | 2,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 78.3000% | 866 |
| Efficiency ratio | 66.5365% | 2,780 |
| Assets per employee ($millions) | 3.6399% | 4,400 |
| Cash dividends to net income (ytd only)* | 27.8416% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,373 |
| Loan loss allowance to noncurrent loans | 356.8376% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 2,722 |
| Noncurrent loans to loans | 0.3465% | 3,301 |
| Net loans and leases to total assets | 67.8694% | 2,894 |
| Net loans and leases to deposits | 74.3457% | 3,475 |
| Net loans and leases to core deposits | 78.8453% | 3,514 |
| Total domestic deposits to total assets | 91.2889% | 150 |
| Equity capital to assets | 8.5849% | 4,878 |
| Core capital (leverage) ratio | 8.2034% | 5,173 |
| Tier 1 risk-based capital ratio | 14.2204% | 3,196 |
| Total risk-based capital ratio | 15.4721% | 3,118 |
| Memoranda: | ||
| Average total assets | $96,750,000 | 4,154 |
| Average earning assets | $88,944,800 | 4,167 |
| Average equity | $7,815,400 | 4,633 |
| Average total loans | $66,657,800 | 3,948 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 1,152 |
| Cost of funding earning assets | 0.2277% | 4,902 |
| Net interest margin | 4.6739% | 496 |
| Noninterest income to average assets | 0.6710% | 1,973 |
| Noninterest expense to average assets | 3.2984% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6603% | 817 |
| Return on assets (ROA) | 1.6603% | 825 |
| Pretax return on assets | 1.6603% | 1,382 |
| Return on Equity (ROE) | 20.8872% | 219 |
| Retained earnings to average equity (ytd only) | 13.2982% | 326 |
| Net charge-offs to loans | 0.0401% | 2,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 59.9910% | 1,063 |
| Efficiency ratio | 65.2344% | 2,998 |
| Assets per employee ($millions) | 3.8379% | 4,127 |
| Cash dividends to net income (ytd only)* | 36.3334% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,329 |
| Loan loss allowance to noncurrent loans | 271.9870% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 3,052 |
| Noncurrent loans to loans | 0.4621% | 2,999 |
| Net loans and leases to total assets | 65.7437% | 3,207 |
| Net loans and leases to deposits | 71.6808% | 3,797 |
| Net loans and leases to core deposits | 75.6274% | 3,832 |
| Total domestic deposits to total assets | 91.7173% | 107 |
| Equity capital to assets | 8.0582% | 5,156 |
| Core capital (leverage) ratio | 7.9957% | 5,319 |
| Tier 1 risk-based capital ratio | 13.6997% | 3,512 |
| Total risk-based capital ratio | 14.9509% | 3,433 |
| Memoranda: | ||
| Average total assets | $96,368,250 | 4,203 |
| Average earning assets | $88,402,750 | 4,214 |
| Average equity | $7,660,000 | 4,704 |
| Average total loans | $66,438,500 | 3,986 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8568% | 1,114 |
| Cost of funding earning assets | 0.2278% | 4,870 |
| Net interest margin | 4.6290% | 521 |
| Noninterest income to average assets | 0.6826% | 1,946 |
| Noninterest expense to average assets | 3.2847% | 1,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6655% | 781 |
| Return on assets (ROA) | 1.6655% | 790 |
| Pretax return on assets | 1.6655% | 1,304 |
| Return on Equity (ROE) | 21.0540% | 204 |
| Retained earnings to average equity (ytd only) | 9.4783% | 1,078 |
| Net charge-offs to loans | 0.0512% | 1,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 46.6471% | 1,180 |
| Efficiency ratio | 65.0403% | 3,153 |
| Assets per employee ($millions) | 4.0240% | 3,856 |
| Cash dividends to net income (ytd only)* | 54.9811% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,425 |
| Loan loss allowance to noncurrent loans | 438.7435% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 3,550 |
| Noncurrent loans to loans | 0.2853% | 3,680 |
| Net loans and leases to total assets | 68.4549% | 2,800 |
| Net loans and leases to deposits | 74.4854% | 3,490 |
| Net loans and leases to core deposits | 78.3909% | 3,542 |
| Total domestic deposits to total assets | 91.9038% | 98 |
| Equity capital to assets | 7.9129% | 5,256 |
| Core capital (leverage) ratio | 7.4918% | 5,442 |
| Tier 1 risk-based capital ratio | 13.0157% | 3,886 |
| Total risk-based capital ratio | 14.2681% | 3,802 |
| Memoranda: | ||
| Average total assets | $95,229,000 | 4,261 |
| Average earning assets | $87,794,000 | 4,260 |
| Average equity | $7,533,000 | 4,768 |
| Average total loans | $66,438,670 | 4,009 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 1,093 |
| Cost of funding earning assets | 0.2297% | 4,838 |
| Net interest margin | 4.5654% | 542 |
| Noninterest income to average assets | 0.6769% | 1,924 |
| Noninterest expense to average assets | 3.2996% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5821% | 893 |
| Return on assets (ROA) | 1.5821% | 899 |
| Pretax return on assets | 1.5821% | 1,444 |
| Return on Equity (ROE) | 20.0040% | 245 |
| Retained earnings to average equity (ytd only) | 20.0040% | 102 |
| Net charge-offs to loans | 0.0786% | 1,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 28.7692% | 1,265 |
| Efficiency ratio | 66.2912% | 3,106 |
| Assets per employee ($millions) | 4.0778% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,402 |
| Loan loss allowance to noncurrent loans | 410.7317% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 3,577 |
| Noncurrent loans to loans | 0.3091% | 3,664 |
| Net loans and leases to total assets | 66.9030% | 2,904 |
| Net loans and leases to deposits | 72.6857% | 3,541 |
| Net loans and leases to core deposits | 76.4344% | 3,630 |
| Total domestic deposits to total assets | 92.0443% | 102 |
| Equity capital to assets | 7.8300% | 5,317 |
| Core capital (leverage) ratio | 7.8017% | 5,442 |
| Tier 1 risk-based capital ratio | 13.3276% | 3,757 |
| Total risk-based capital ratio | 14.5804% | 3,671 |
| Memoranda: | ||
| Average total assets | $94,555,500 | 4,313 |
| Average earning assets | $87,089,000 | 4,320 |
| Average equity | $7,478,500 | 4,825 |
| Average total loans | $66,183,500 | 4,053 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 619 |
| Cost of funding earning assets | 0.2336% | 4,698 |
| Net interest margin | 4.7888% | 361 |
| Noninterest income to average assets | 0.7164% | 1,896 |
| Noninterest expense to average assets | 3.5182% | 1,003 |
| Loan and lease loss provision to assets | 0.1308% | 1,757 |
| Net operating income to assets | 1.4570% | 892 |
| Return on assets (ROA) | 1.4570% | 898 |
| Pretax return on assets | 1.4570% | 1,790 |
| Return on Equity (ROE) | 17.4478% | 354 |
| Retained earnings to average equity (ytd only) | 5.1415% | 2,035 |
| Net charge-offs to loans | 0.1086% | 1,983 |
| Credit loss provision to net charge-offs | 163.7681% | 1,638 |
| Earnings coverage of net charge-offs (x) | 19.8841% | 1,998 |
| Efficiency ratio | 67.7471% | 2,943 |
| Assets per employee ($millions) | 3.9671% | 4,018 |
| Cash dividends to net income (ytd only)* | 70.5322% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,244 |
| Loan loss allowance to noncurrent loans | 409.0909% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 3,498 |
| Noncurrent loans to loans | 0.3164% | 3,647 |
| Net loans and leases to total assets | 71.4502% | 2,305 |
| Net loans and leases to deposits | 77.7814% | 3,139 |
| Net loans and leases to core deposits | 81.2862% | 3,313 |
| Total domestic deposits to total assets | 91.8603% | 92 |
| Equity capital to assets | 7.9940% | 5,396 |
| Core capital (leverage) ratio | 7.9377% | 5,470 |
| Tier 1 risk-based capital ratio | 12.6053% | 4,143 |
| Total risk-based capital ratio | 13.8578% | 4,030 |
| Memoranda: | ||
| Average total assets | $86,407,600 | 4,480 |
| Average earning assets | $79,205,200 | 4,476 |
| Average equity | $7,215,800 | 4,906 |
| Average total loans | $63,527,200 | 4,109 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0160% | 592 |
| Cost of funding earning assets | 0.2320% | 4,729 |
| Net interest margin | 4.7839% | 349 |
| Noninterest income to average assets | 0.7136% | 1,941 |
| Noninterest expense to average assets | 3.3537% | 1,241 |
| Loan and lease loss provision to assets | 0.1565% | 1,321 |
| Net operating income to assets | 1.5915% | 733 |
| Return on assets (ROA) | 1.5915% | 751 |
| Pretax return on assets | 1.5915% | 1,454 |
| Return on Equity (ROE) | 18.8427% | 289 |
| Retained earnings to average equity (ytd only) | 8.6709% | 958 |
| Net charge-offs to loans | 0.1505% | 1,340 |
| Credit loss provision to net charge-offs | 140.8451% | 1,769 |
| Earnings coverage of net charge-offs (x) | 15.7332% | 2,207 |
| Efficiency ratio | 64.6319% | 3,429 |
| Assets per employee ($millions) | 3.8029% | 4,307 |
| Cash dividends to net income (ytd only)* | 53.9820% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,508 |
| Loan loss allowance to noncurrent loans | 383.5616% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 4,058 |
| Noncurrent loans to loans | 0.3316% | 3,760 |
| Net loans and leases to total assets | 74.5470% | 1,831 |
| Net loans and leases to deposits | 81.6285% | 2,815 |
| Net loans and leases to core deposits | 85.4921% | 3,010 |
| Total domestic deposits to total assets | 91.3247% | 126 |
| Equity capital to assets | 8.4923% | 5,292 |
| Core capital (leverage) ratio | 8.2491% | 5,398 |
| Tier 1 risk-based capital ratio | 12.9139% | 4,070 |
| Total risk-based capital ratio | 14.1670% | 3,972 |
| Memoranda: | ||
| Average total assets | $85,198,500 | 4,544 |
| Average earning assets | $78,148,500 | 4,534 |
| Average equity | $7,196,250 | 4,963 |
| Average total loans | $62,896,750 | 4,158 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 635 |
| Cost of funding earning assets | 0.2299% | 4,717 |
| Net interest margin | 4.7115% | 387 |
| Noninterest income to average assets | 0.7271% | 1,877 |
| Noninterest expense to average assets | 3.2969% | 1,375 |
| Loan and lease loss provision to assets | 0.1184% | 1,733 |
| Net operating income to assets | 1.6319% | 649 |
| Return on assets (ROA) | 1.6319% | 670 |
| Pretax return on assets | 1.6319% | 1,246 |
| Return on Equity (ROE) | 19.3567% | 251 |
| Retained earnings to average equity (ytd only) | 3.9331% | 3,354 |
| Net charge-offs to loans | 0.2199% | 928 |
| Credit loss provision to net charge-offs | 73.5294% | 2,340 |
| Earnings coverage of net charge-offs (x) | 10.8676% | 2,315 |
| Efficiency ratio | 64.3829% | 3,609 |
| Assets per employee ($millions) | 3.7949% | 4,284 |
| Cash dividends to net income (ytd only)* | 79.6807% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,907 |
| Loan loss allowance to noncurrent loans | 469.2308% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 4,403 |
| Noncurrent loans to loans | 0.2597% | 4,107 |
| Net loans and leases to total assets | 73.6570% | 1,934 |
| Net loans and leases to deposits | 80.3243% | 2,874 |
| Net loans and leases to core deposits | 84.1129% | 3,056 |
| Total domestic deposits to total assets | 91.6994% | 104 |
| Equity capital to assets | 8.1413% | 5,472 |
| Core capital (leverage) ratio | 7.7157% | 5,607 |
| Tier 1 risk-based capital ratio | 12.5560% | 4,268 |
| Total risk-based capital ratio | 13.8078% | 4,169 |
| Memoranda: | ||
| Average total assets | $84,442,330 | 4,587 |
| Average earning assets | $77,428,000 | 4,575 |
| Average equity | $7,119,000 | 5,003 |
| Average total loans | $61,847,670 | 4,207 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,006 |
| Cost of funding earning assets | 0.2148% | 4,843 |
| Net interest margin | 4.4477% | 578 |
| Noninterest income to average assets | 0.6360% | 2,243 |
| Noninterest expense to average assets | 3.1992% | 1,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5273% | 771 |
| Return on assets (ROA) | 1.5273% | 797 |
| Pretax return on assets | 1.5273% | 1,452 |
| Return on Equity (ROE) | 17.7952% | 355 |
| Retained earnings to average equity (ytd only) | 17.7952% | 144 |
| Net charge-offs to loans | 0.2324% | 775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.0571% | 2,017 |
| Efficiency ratio | 67.6860% | 3,253 |
| Assets per employee ($millions) | 4.0390% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 3,137 |
| Loan loss allowance to noncurrent loans | 102.9178% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 2,179 |
| Noncurrent loans to loans | 1.1665% | 1,742 |
| Net loans and leases to total assets | 71.8712% | 2,095 |
| Net loans and leases to deposits | 78.4117% | 2,928 |
| Net loans and leases to core deposits | 82.0400% | 3,090 |
| Total domestic deposits to total assets | 91.6587% | 153 |
| Equity capital to assets | 8.1950% | 5,422 |
| Core capital (leverage) ratio | 8.5129% | 5,218 |
| Tier 1 risk-based capital ratio | 12.6225% | 4,314 |
| Total risk-based capital ratio | 13.8736% | 4,217 |
| Memoranda: | ||
| Average total assets | $83,022,000 | 4,657 |
| Average earning assets | $76,354,500 | 4,645 |
| Average equity | $7,125,500 | 5,040 |
| Average total loans | $60,230,000 | 4,298 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7195% | 1,028 |
| Cost of funding earning assets | 0.2165% | 4,872 |
| Net interest margin | 4.5029% | 617 |
| Noninterest income to average assets | 1.0295% | 1,064 |
| Noninterest expense to average assets | 3.1068% | 2,012 |
| Loan and lease loss provision to assets | 0.2630% | 780 |
| Net operating income to assets | 1.7881% | 457 |
| Return on assets (ROA) | 1.7920% | 471 |
| Pretax return on assets | 1.7920% | 817 |
| Return on Equity (ROE) | 19.9059% | 214 |
| Retained earnings to average equity (ytd only) | 8.8211% | 622 |
| Net charge-offs to loans | 0.1296% | 1,947 |
| Credit loss provision to net charge-offs | 285.7143% | 1,017 |
| Earnings coverage of net charge-offs (x) | 22.2857% | 1,740 |
| Efficiency ratio | 60.2345% | 4,546 |
| Assets per employee ($millions) | 3.8593% | 4,210 |
| Cash dividends to net income (ytd only)* | 55.6860% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,860 |
| Loan loss allowance to noncurrent loans | 132.3002% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 2,371 |
| Noncurrent loans to loans | 1.0982% | 1,896 |
| Net loans and leases to total assets | 71.2690% | 2,288 |
| Net loans and leases to deposits | 78.4901% | 3,048 |
| Net loans and leases to core deposits | 80.7614% | 3,329 |
| Total domestic deposits to total assets | 90.8000% | 346 |
| Equity capital to assets | 9.0290% | 4,783 |
| Core capital (leverage) ratio | 9.1729% | 4,517 |
| Tier 1 risk-based capital ratio | 14.7841% | 3,057 |
| Total risk-based capital ratio | 16.0382% | 3,004 |
| Memoranda: | ||
| Average total assets | $76,058,600 | 4,814 |
| Average earning assets | $69,732,200 | 4,811 |
| Average equity | $6,847,200 | 5,123 |
| Average total loans | $54,016,000 | 4,457 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 1,042 |
| Cost of funding earning assets | 0.2172% | 4,904 |
| Net interest margin | 4.4936% | 642 |
| Noninterest income to average assets | 1.1490% | 867 |
| Noninterest expense to average assets | 2.9964% | 2,328 |
| Loan and lease loss provision to assets | 0.1760% | 1,278 |
| Net operating income to assets | 2.0903% | 299 |
| Return on assets (ROA) | 2.0956% | 311 |
| Pretax return on assets | 2.0956% | 472 |
| Return on Equity (ROE) | 23.2950% | 117 |
| Retained earnings to average equity (ytd only) | 14.7672% | 139 |
| Net charge-offs to loans | 0.0573% | 2,538 |
| Credit loss provision to net charge-offs | 434.7826% | 791 |
| Earnings coverage of net charge-offs (x) | 55.9925% | 1,005 |
| Efficiency ratio | 56.9375% | 4,957 |
| Assets per employee ($millions) | 4.1549% | 3,682 |
| Cash dividends to net income (ytd only)* | 36.6080% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 2,323 |
| Loan loss allowance to noncurrent loans | 126.1231% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 2,533 |
| Noncurrent loans to loans | 1.0894% | 2,079 |
| Net loans and leases to total assets | 72.7510% | 2,054 |
| Net loans and leases to deposits | 80.6310% | 2,894 |
| Net loans and leases to core deposits | 83.0558% | 3,210 |
| Total domestic deposits to total assets | 90.2270% | 395 |
| Equity capital to assets | 9.5804% | 4,577 |
| Core capital (leverage) ratio | 9.6427% | 4,005 |
| Tier 1 risk-based capital ratio | 15.5531% | 2,808 |
| Total risk-based capital ratio | 16.8078% | 2,741 |
| Memoranda: | ||
| Average total assets | $75,777,000 | 4,855 |
| Average earning assets | $69,371,500 | 4,858 |
| Average equity | $6,816,750 | 5,172 |
| Average total loans | $53,565,000 | 4,502 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 1,190 |
| Cost of funding earning assets | 0.2121% | 5,019 |
| Net interest margin | 4.4245% | 723 |
| Noninterest income to average assets | 1.4007% | 592 |
| Noninterest expense to average assets | 2.9774% | 2,421 |
| Loan and lease loss provision to assets | 0.2628% | 711 |
| Net operating income to assets | 2.2179% | 223 |
| Return on assets (ROA) | 2.2179% | 237 |
| Pretax return on assets | 2.2179% | 368 |
| Return on Equity (ROE) | 25.1915% | 88 |
| Retained earnings to average equity (ytd only) | 12.1779% | 301 |
| Net charge-offs to loans | 0.0603% | 2,330 |
| Credit loss provision to net charge-offs | 625.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 896 |
| Efficiency ratio | 54.5498% | 5,268 |
| Assets per employee ($millions) | 4.4261% | 3,170 |
| Cash dividends to net income (ytd only)* | 51.6588% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 2,215 |
| Loan loss allowance to noncurrent loans | 119.7183% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8492% | 2,472 |
| Noncurrent loans to loans | 1.1841% | 1,938 |
| Net loans and leases to total assets | 70.7046% | 2,367 |
| Net loans and leases to deposits | 77.9216% | 3,164 |
| Net loans and leases to core deposits | 80.2368% | 3,438 |
| Total domestic deposits to total assets | 90.7381% | 248 |
| Equity capital to assets | 9.0718% | 5,190 |
| Core capital (leverage) ratio | 9.0058% | 4,818 |
| Tier 1 risk-based capital ratio | 14.7488% | 3,183 |
| Total risk-based capital ratio | 16.0037% | 3,127 |
| Memoranda: | ||
| Average total assets | $76,106,670 | 4,890 |
| Average earning assets | $69,793,000 | 4,890 |
| Average equity | $6,700,670 | 5,248 |
| Average total loans | $53,031,000 | 4,552 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 1,169 |
| Cost of funding earning assets | 0.2118% | 5,088 |
| Net interest margin | 4.4253% | 700 |
| Noninterest income to average assets | 2.1009% | 318 |
| Noninterest expense to average assets | 2.9946% | 2,407 |
| Loan and lease loss provision to assets | 0.2613% | 658 |
| Net operating income to assets | 2.8848% | 109 |
| Return on assets (ROA) | 2.8848% | 107 |
| Pretax return on assets | 2.8848% | 145 |
| Return on Equity (ROE) | 33.2630% | 37 |
| Retained earnings to average equity (ytd only) | 33.2630% | 20 |
| Net charge-offs to loans | -0.1674% | 5,801 |
| Credit loss provision to net charge-offs | -227.2727% | 4,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7660% | 5,690 |
| Assets per employee ($millions) | 4.2502% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 2,223 |
| Loan loss allowance to noncurrent loans | 122.2403% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 2,682 |
| Noncurrent loans to loans | 1.1823% | 2,046 |
| Net loans and leases to total assets | 67.1216% | 2,793 |
| Net loans and leases to deposits | 73.9562% | 3,440 |
| Net loans and leases to core deposits | 76.1158% | 3,672 |
| Total domestic deposits to total assets | 90.7585% | 344 |
| Equity capital to assets | 9.0807% | 5,098 |
| Core capital (leverage) ratio | 9.2111% | 4,587 |
| Tier 1 risk-based capital ratio | 15.3215% | 3,007 |
| Total risk-based capital ratio | 16.5758% | 2,946 |
| Memoranda: | ||
| Average total assets | $76,538,000 | 4,928 |
| Average earning assets | $69,871,000 | 4,929 |
| Average equity | $6,638,000 | 5,294 |
| Average total loans | $52,563,500 | 4,601 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 1,378 |
| Cost of funding earning assets | 0.2219% | 5,080 |
| Net interest margin | 4.3617% | 857 |
| Noninterest income to average assets | 0.6685% | 2,353 |
| Noninterest expense to average assets | 2.9795% | 2,619 |
| Loan and lease loss provision to assets | 0.0673% | 2,948 |
| Net operating income to assets | 1.6142% | 682 |
| Return on assets (ROA) | 1.6142% | 708 |
| Pretax return on assets | 1.6142% | 1,212 |
| Return on Equity (ROE) | 19.3517% | 281 |
| Retained earnings to average equity (ytd only) | 7.1118% | 1,233 |
| Net charge-offs to loans | 0.0683% | 2,873 |
| Credit loss provision to net charge-offs | 147.0588% | 1,811 |
| Earnings coverage of net charge-offs (x) | 36.7647% | 1,257 |
| Efficiency ratio | 63.9250% | 4,279 |
| Assets per employee ($millions) | 4.2541% | 3,481 |
| Cash dividends to net income (ytd only)* | 63.2500% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,997 |
| Loan loss allowance to noncurrent loans | 121.8247% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 2,867 |
| Noncurrent loans to loans | 1.0542% | 2,228 |
| Net loans and leases to total assets | 68.3570% | 2,649 |
| Net loans and leases to deposits | 74.6243% | 3,418 |
| Net loans and leases to core deposits | 76.7808% | 3,684 |
| Total domestic deposits to total assets | 91.6015% | 159 |
| Equity capital to assets | 8.2653% | 5,729 |
| Core capital (leverage) ratio | 8.4011% | 5,525 |
| Tier 1 risk-based capital ratio | 13.7947% | 3,830 |
| Total risk-based capital ratio | 15.0458% | 3,756 |
| Memoranda: | ||
| Average total assets | $74,341,600 | 4,983 |
| Average earning assets | $68,046,200 | 4,985 |
| Average equity | $6,201,000 | 5,399 |
| Average total loans | $49,795,600 | 4,676 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5647% | 1,423 |
| Cost of funding earning assets | 0.2236% | 5,150 |
| Net interest margin | 4.3411% | 885 |
| Noninterest income to average assets | 0.6307% | 2,582 |
| Noninterest expense to average assets | 2.9545% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6408% | 700 |
| Return on assets (ROA) | 1.6408% | 726 |
| Pretax return on assets | 1.6408% | 1,266 |
| Return on Equity (ROE) | 19.6246% | 295 |
| Retained earnings to average equity (ytd only) | 10.2013% | 602 |
| Net charge-offs to loans | 0.0817% | 2,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 30.2660% | 1,484 |
| Efficiency ratio | 64.2941% | 4,193 |
| Assets per employee ($millions) | 4.1394% | 3,640 |
| Cash dividends to net income (ytd only)* | 48.0176% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 3,374 |
| Loan loss allowance to noncurrent loans | 182.4713% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 3,451 |
| Noncurrent loans to loans | 0.6844% | 3,269 |
| Net loans and leases to total assets | 67.3878% | 2,793 |
| Net loans and leases to deposits | 73.9034% | 3,557 |
| Net loans and leases to core deposits | 76.1092% | 3,788 |
| Total domestic deposits to total assets | 91.1836% | 209 |
| Equity capital to assets | 8.6392% | 5,615 |
| Core capital (leverage) ratio | 8.7409% | 5,309 |
| Tier 1 risk-based capital ratio | 14.2860% | 3,678 |
| Total risk-based capital ratio | 15.5372% | 3,606 |
| Memoranda: | ||
| Average total assets | $73,783,750 | 5,058 |
| Average earning assets | $67,385,500 | 5,060 |
| Average equity | $6,169,000 | 5,467 |
| Average total loans | $48,988,500 | 4,754 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 1,511 |
| Cost of funding earning assets | 0.2230% | 5,227 |
| Net interest margin | 4.2840% | 951 |
| Noninterest income to average assets | 0.6037% | 2,713 |
| Noninterest expense to average assets | 2.9317% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5909% | 758 |
| Return on assets (ROA) | 1.5909% | 785 |
| Pretax return on assets | 1.5909% | 1,352 |
| Return on Equity (ROE) | 19.2445% | 311 |
| Retained earnings to average equity (ytd only) | 4.9016% | 2,922 |
| Net charge-offs to loans | 0.0910% | 2,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.5909% | 1,477 |
| Efficiency ratio | 64.8226% | 4,221 |
| Assets per employee ($millions) | 4.1166% | 3,645 |
| Cash dividends to net income (ytd only)* | 74.5299% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 3,180 |
| Loan loss allowance to noncurrent loans | 128.3433% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 3,373 |
| Noncurrent loans to loans | 1.0222% | 2,601 |
| Net loans and leases to total assets | 65.2762% | 3,083 |
| Net loans and leases to deposits | 71.2535% | 3,792 |
| Net loans and leases to core deposits | 73.7175% | 3,976 |
| Total domestic deposits to total assets | 91.6112% | 168 |
| Equity capital to assets | 8.2093% | 5,873 |
| Core capital (leverage) ratio | 8.1360% | 5,841 |
| Tier 1 risk-based capital ratio | 14.3720% | 3,712 |
| Total risk-based capital ratio | 15.6245% | 3,637 |
| Memoranda: | ||
| Average total assets | $73,542,000 | 5,115 |
| Average earning assets | $67,273,670 | 5,121 |
| Average equity | $6,079,670 | 5,533 |
| Average total loans | $48,369,670 | 4,809 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 1,586 |
| Cost of funding earning assets | 0.2265% | 5,253 |
| Net interest margin | 4.2314% | 1,009 |
| Noninterest income to average assets | 0.7207% | 2,063 |
| Noninterest expense to average assets | 2.9701% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6270% | 685 |
| Return on assets (ROA) | 1.6270% | 713 |
| Pretax return on assets | 1.6270% | 1,198 |
| Return on Equity (ROE) | 19.6117% | 284 |
| Retained earnings to average equity (ytd only) | 19.6117% | 106 |
| Net charge-offs to loans | 0.0916% | 1,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 27.0909% | 1,220 |
| Efficiency ratio | 64.6081% | 4,377 |
| Assets per employee ($millions) | 4.6590% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 3,121 |
| Loan loss allowance to noncurrent loans | 155.3444% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7834% | 3,154 |
| Noncurrent loans to loans | 0.8727% | 3,064 |
| Net loans and leases to total assets | 63.8388% | 3,113 |
| Net loans and leases to deposits | 69.7730% | 3,773 |
| Net loans and leases to core deposits | 72.4576% | 3,919 |
| Total domestic deposits to total assets | 91.4950% | 231 |
| Equity capital to assets | 8.3602% | 5,829 |
| Core capital (leverage) ratio | 8.5807% | 5,446 |
| Tier 1 risk-based capital ratio | 14.3941% | 3,778 |
| Total risk-based capital ratio | 15.6461% | 3,701 |
| Memoranda: | ||
| Average total assets | $73,263,500 | 5,167 |
| Average earning assets | $67,118,000 | 5,168 |
| Average equity | $6,078,000 | 5,580 |
| Average total loans | $48,048,500 | 4,845 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 1,969 |
| Cost of funding earning assets | 0.2483% | 5,342 |
| Net interest margin | 4.2280% | 1,222 |
| Noninterest income to average assets | 0.6858% | 2,364 |
| Noninterest expense to average assets | 2.9832% | 2,893 |
| Loan and lease loss provision to assets | 0.0701% | 3,082 |
| Net operating income to assets | 1.4769% | 919 |
| Return on assets (ROA) | 1.4769% | 961 |
| Pretax return on assets | 1.4769% | 1,630 |
| Return on Equity (ROE) | 17.9381% | 400 |
| Retained earnings to average equity (ytd only) | 5.0083% | 2,592 |
| Net charge-offs to loans | 0.0675% | 3,514 |
| Credit loss provision to net charge-offs | 161.2903% | 1,504 |
| Earnings coverage of net charge-offs (x) | 35.5806% | 1,188 |
| Efficiency ratio | 65.8514% | 4,276 |
| Assets per employee ($millions) | 4.4989% | 3,041 |
| Cash dividends to net income (ytd only)* | 72.0798% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 3,000 |
| Loan loss allowance to noncurrent loans | 145.8333% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 2,986 |
| Noncurrent loans to loans | 0.9529% | 2,946 |
| Net loans and leases to total assets | 65.5571% | 2,969 |
| Net loans and leases to deposits | 71.5401% | 3,732 |
| Net loans and leases to core deposits | 74.3899% | 3,888 |
| Total domestic deposits to total assets | 91.6369% | 201 |
| Equity capital to assets | 8.2297% | 5,945 |
| Core capital (leverage) ratio | 8.2490% | 5,822 |
| Tier 1 risk-based capital ratio | 14.1363% | 4,010 |
| Total risk-based capital ratio | 15.3898% | 3,932 |
| Memoranda: | ||
| Average total assets | $71,300,000 | 5,249 |
| Average earning assets | $64,830,000 | 5,257 |
| Average equity | $5,870,200 | 5,648 |
| Average total loans | $45,956,400 | 4,956 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 2,078 |
| Cost of funding earning assets | 0.2516% | 5,390 |
| Net interest margin | 4.1901% | 1,313 |
| Noninterest income to average assets | 0.6936% | 2,359 |
| Noninterest expense to average assets | 2.8230% | 3,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6795% | 638 |
| Return on assets (ROA) | 1.6795% | 665 |
| Pretax return on assets | 1.6795% | 1,115 |
| Return on Equity (ROE) | 20.3977% | 261 |
| Retained earnings to average equity (ytd only) | 10.4720% | 607 |
| Net charge-offs to loans | 0.0410% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 63.9871% | 825 |
| Efficiency ratio | 62.6978% | 4,781 |
| Assets per employee ($millions) | 4.7037% | 2,667 |
| Cash dividends to net income (ytd only)* | 48.6607% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 3,488 |
| Loan loss allowance to noncurrent loans | 109.7222% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.2231% | 2,515 |
| Noncurrent loans to loans | 1.2148% | 2,612 |
| Net loans and leases to total assets | 66.3062% | 2,804 |
| Net loans and leases to deposits | 72.7235% | 3,594 |
| Net loans and leases to core deposits | 75.3908% | 3,820 |
| Total domestic deposits to total assets | 91.1758% | 311 |
| Equity capital to assets | 8.6428% | 5,683 |
| Core capital (leverage) ratio | 8.6367% | 5,519 |
| Tier 1 risk-based capital ratio | 14.5632% | 3,847 |
| Total risk-based capital ratio | 15.8145% | 3,788 |
| Memoranda: | ||
| Average total assets | $71,129,250 | 5,313 |
| Average earning assets | $64,659,500 | 5,314 |
| Average equity | $5,856,750 | 5,707 |
| Average total loans | $45,481,750 | 5,028 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 2,256 |
| Cost of funding earning assets | 0.2533% | 5,451 |
| Net interest margin | 4.1274% | 1,435 |
| Noninterest income to average assets | 0.6955% | 2,307 |
| Noninterest expense to average assets | 2.8071% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6349% | 658 |
| Return on assets (ROA) | 1.6349% | 687 |
| Pretax return on assets | 1.6349% | 1,170 |
| Return on Equity (ROE) | 20.1858% | 283 |
| Retained earnings to average equity (ytd only) | 5.0897% | 2,905 |
| Net charge-offs to loans | 0.0446% | 3,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 58.3000% | 821 |
| Efficiency ratio | 63.1944% | 4,822 |
| Assets per employee ($millions) | 4.4247% | 3,045 |
| Cash dividends to net income (ytd only)* | 74.7856% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 3,339 |
| Loan loss allowance to noncurrent loans | 118.4358% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 2,751 |
| Noncurrent loans to loans | 1.1837% | 2,863 |
| Net loans and leases to total assets | 63.1838% | 3,211 |
| Net loans and leases to deposits | 68.9400% | 3,946 |
| Net loans and leases to core deposits | 71.6751% | 4,083 |
| Total domestic deposits to total assets | 91.6505% | 228 |
| Equity capital to assets | 8.1757% | 6,043 |
| Core capital (leverage) ratio | 7.9552% | 6,130 |
| Tier 1 risk-based capital ratio | 14.4628% | 3,952 |
| Total risk-based capital ratio | 15.7178% | 3,892 |
| Memoranda: | ||
| Average total assets | $71,320,330 | 5,352 |
| Average earning assets | $64,737,670 | 5,364 |
| Average equity | $5,776,330 | 5,757 |
| Average total loans | $44,837,330 | 5,083 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 2,346 |
| Cost of funding earning assets | 0.2593% | 5,502 |
| Net interest margin | 4.0872% | 1,498 |
| Noninterest income to average assets | 0.6873% | 2,240 |
| Noninterest expense to average assets | 2.8498% | 3,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5367% | 755 |
| Return on assets (ROA) | 1.5367% | 789 |
| Pretax return on assets | 1.5367% | 1,320 |
| Return on Equity (ROE) | 19.0625% | 353 |
| Retained earnings to average equity (ytd only) | 19.0625% | 141 |
| Net charge-offs to loans | 0.1346% | 1,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,423 |
| Efficiency ratio | 64.9682% | 4,697 |
| Assets per employee ($millions) | 4.5929% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 3,508 |
| Loan loss allowance to noncurrent loans | 138.6813% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.0097% | 3,238 |
| Noncurrent loans to loans | 1.0228% | 3,380 |
| Net loans and leases to total assets | 59.6767% | 3,610 |
| Net loans and leases to deposits | 64.9862% | 4,208 |
| Net loans and leases to core deposits | 67.4615% | 4,361 |
| Total domestic deposits to total assets | 91.8297% | 291 |
| Equity capital to assets | 8.0410% | 6,029 |
| Core capital (leverage) ratio | 8.2225% | 5,925 |
| Tier 1 risk-based capital ratio | 15.1867% | 3,618 |
| Total risk-based capital ratio | 16.4424% | 3,573 |
| Memoranda: | ||
| Average total assets | $71,583,000 | 5,395 |
| Average earning assets | $64,787,500 | 5,417 |
| Average equity | $5,770,500 | 5,805 |
| Average total loans | $44,572,500 | 5,140 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 2,018 |
| Cost of funding earning assets | 0.2949% | 5,639 |
| Net interest margin | 4.2590% | 1,196 |
| Noninterest income to average assets | 0.7066% | 2,507 |
| Noninterest expense to average assets | 3.1057% | 2,716 |
| Loan and lease loss provision to assets | 0.0747% | 3,622 |
| Net operating income to assets | 1.3878% | 1,048 |
| Return on assets (ROA) | 1.3878% | 1,087 |
| Pretax return on assets | 1.3878% | 1,831 |
| Return on Equity (ROE) | 16.6332% | 549 |
| Retained earnings to average equity (ytd only) | 4.7805% | 2,745 |
| Net charge-offs to loans | 0.0376% | 4,704 |
| Credit loss provision to net charge-offs | 312.5000% | 731 |
| Earnings coverage of net charge-offs (x) | 61.1875% | 678 |
| Efficiency ratio | 67.9856% | 4,202 |
| Assets per employee ($millions) | 4.3550% | 3,166 |
| Cash dividends to net income (ytd only)* | 71.2594% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 3,437 |
| Loan loss allowance to noncurrent loans | 257.3705% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 3,963 |
| Noncurrent loans to loans | 0.5620% | 4,583 |
| Net loans and leases to total assets | 63.1659% | 3,186 |
| Net loans and leases to deposits | 68.8203% | 3,935 |
| Net loans and leases to core deposits | 71.5908% | 4,120 |
| Total domestic deposits to total assets | 91.7839% | 338 |
| Equity capital to assets | 8.0827% | 5,957 |
| Core capital (leverage) ratio | 8.5505% | 5,609 |
| Tier 1 risk-based capital ratio | 14.4308% | 3,997 |
| Total risk-based capital ratio | 15.6849% | 3,939 |
| Memoranda: | ||
| Average total assets | $66,942,200 | 5,569 |
| Average earning assets | $60,695,000 | 5,569 |
| Average equity | $5,585,200 | 5,908 |
| Average total loans | $42,516,600 | 5,249 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 1,966 |
| Cost of funding earning assets | 0.3041% | 5,697 |
| Net interest margin | 4.2746% | 1,153 |
| Noninterest income to average assets | 0.6942% | 2,641 |
| Noninterest expense to average assets | 3.1311% | 2,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4388% | 1,007 |
| Return on assets (ROA) | 1.4388% | 1,066 |
| Pretax return on assets | 1.4388% | 1,803 |
| Return on Equity (ROE) | 17.1043% | 530 |
| Retained earnings to average equity (ytd only) | 8.9947% | 1,058 |
| Net charge-offs to loans | 0.0476% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 47.6655% | 894 |
| Efficiency ratio | 68.5161% | 3,992 |
| Assets per employee ($millions) | 3.8514% | 4,125 |
| Cash dividends to net income (ytd only)* | 47.4127% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 3,868 |
| Loan loss allowance to noncurrent loans | 241.7004% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 4,025 |
| Noncurrent loans to loans | 0.5818% | 4,749 |
| Net loans and leases to total assets | 63.9332% | 3,010 |
| Net loans and leases to deposits | 70.1838% | 3,761 |
| Net loans and leases to core deposits | 73.2223% | 3,946 |
| Total domestic deposits to total assets | 91.0940% | 492 |
| Equity capital to assets | 8.7441% | 5,475 |
| Core capital (leverage) ratio | 8.6281% | 5,624 |
| Tier 1 risk-based capital ratio | 15.5744% | 3,433 |
| Total risk-based capital ratio | 16.8286% | 3,389 |
| Memoranda: | ||
| Average total assets | $66,257,750 | 5,641 |
| Average earning assets | $60,074,500 | 5,651 |
| Average equity | $5,573,500 | 5,984 |
| Average total loans | $41,980,750 | 5,315 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 2,109 |
| Cost of funding earning assets | 0.3117% | 5,743 |
| Net interest margin | 4.2112% | 1,250 |
| Noninterest income to average assets | 0.6585% | 2,867 |
| Noninterest expense to average assets | 3.0006% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4763% | 939 |
| Return on assets (ROA) | 1.4763% | 1,012 |
| Pretax return on assets | 1.4763% | 1,687 |
| Return on Equity (ROE) | 17.7802% | 476 |
| Retained earnings to average equity (ytd only) | 5.5043% | 2,738 |
| Net charge-offs to loans | 0.0717% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 32.7333% | 1,077 |
| Efficiency ratio | 67.0248% | 4,358 |
| Assets per employee ($millions) | 4.1780% | 3,413 |
| Cash dividends to net income (ytd only)* | 69.0428% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 4,008 |
| Loan loss allowance to noncurrent loans | 226.1364% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 4,000 |
| Noncurrent loans to loans | 0.6217% | 4,701 |
| Net loans and leases to total assets | 62.6316% | 3,173 |
| Net loans and leases to deposits | 68.3749% | 3,957 |
| Net loans and leases to core deposits | 71.5594% | 4,103 |
| Total domestic deposits to total assets | 91.6003% | 344 |
| Equity capital to assets | 8.2575% | 6,007 |
| Core capital (leverage) ratio | 8.1776% | 6,029 |
| Tier 1 risk-based capital ratio | 14.7866% | 3,915 |
| Total risk-based capital ratio | 16.0421% | 3,879 |
| Memoranda: | ||
| Average total assets | $66,519,330 | 5,669 |
| Average earning assets | $60,315,000 | 5,684 |
| Average equity | $5,523,000 | 6,034 |
| Average total loans | $41,822,330 | 5,341 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 2,172 |
| Cost of funding earning assets | 0.3319% | 5,701 |
| Net interest margin | 4.1681% | 1,282 |
| Noninterest income to average assets | 0.6571% | 2,837 |
| Noninterest expense to average assets | 3.0503% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3925% | 1,047 |
| Return on assets (ROA) | 1.3925% | 1,132 |
| Pretax return on assets | 1.3925% | 1,882 |
| Return on Equity (ROE) | 16.7255% | 536 |
| Retained earnings to average equity (ytd only) | 16.7255% | 244 |
| Net charge-offs to loans | 0.0675% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 913 |
| Efficiency ratio | 68.6567% | 4,201 |
| Assets per employee ($millions) | 4.1344% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 3,971 |
| Loan loss allowance to noncurrent loans | 113.0841% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.3318% | 3,294 |
| Noncurrent loans to loans | 1.2909% | 3,623 |
| Net loans and leases to total assets | 61.7360% | 3,118 |
| Net loans and leases to deposits | 67.5605% | 3,824 |
| Net loans and leases to core deposits | 70.4436% | 4,020 |
| Total domestic deposits to total assets | 91.3788% | 388 |
| Equity capital to assets | 8.5139% | 6,008 |
| Core capital (leverage) ratio | 8.5441% | 5,519 |
| Tier 1 risk-based capital ratio | 15.3426% | 3,626 |
| Total risk-based capital ratio | 16.5967% | 3,579 |
| Memoranda: | ||
| Average total assets | $66,355,000 | 5,729 |
| Average earning assets | $60,267,500 | 5,743 |
| Average equity | $5,524,500 | 6,095 |
| Average total loans | $41,501,000 | 5,395 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 2,805 |
| Cost of funding earning assets | 0.4867% | 5,308 |
| Net interest margin | 4.1612% | 1,774 |
| Noninterest income to average assets | 0.6551% | 2,964 |
| Noninterest expense to average assets | 2.9286% | 3,538 |
| Loan and lease loss provision to assets | 0.0763% | 4,764 |
| Net operating income to assets | 1.4231% | 1,057 |
| Return on assets (ROA) | 1.4231% | 1,172 |
| Pretax return on assets | 1.4231% | 1,953 |
| Return on Equity (ROE) | 17.5260% | 487 |
| Retained earnings to average equity (ytd only) | 6.5817% | 1,775 |
| Net charge-offs to loans | 0.0529% | 5,190 |
| Credit loss provision to net charge-offs | 238.0952% | 1,042 |
| Earnings coverage of net charge-offs (x) | 46.7619% | 707 |
| Efficiency ratio | 66.1379% | 4,475 |
| Assets per employee ($millions) | 4.4373% | 3,075 |
| Cash dividends to net income (ytd only)* | 62.4464% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 3,849 |
| Loan loss allowance to noncurrent loans | 228.3582% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 4,071 |
| Noncurrent loans to loans | 0.6449% | 4,903 |
| Net loans and leases to total assets | 61.5184% | 3,334 |
| Net loans and leases to deposits | 67.0586% | 4,128 |
| Net loans and leases to core deposits | 69.8904% | 4,327 |
| Total domestic deposits to total assets | 91.7382% | 294 |
| Equity capital to assets | 8.1386% | 6,330 |
| Core capital (leverage) ratio | 8.1332% | 6,058 |
| Tier 1 risk-based capital ratio | 14.8382% | 3,812 |
| Total risk-based capital ratio | 16.0950% | 3,762 |
| Memoranda: | ||
| Average total assets | $65,491,000 | 5,765 |
| Average earning assets | $59,382,000 | 5,770 |
| Average equity | $5,317,800 | 6,201 |
| Average total loans | $39,686,200 | 5,521 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6329% | 3,088 |
| Cost of funding earning assets | 0.5165% | 5,333 |
| Net interest margin | 4.1164% | 2,032 |
| Noninterest income to average assets | 0.6317% | 3,099 |
| Noninterest expense to average assets | 2.9048% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4575% | 1,108 |
| Return on assets (ROA) | 1.4575% | 1,227 |
| Pretax return on assets | 1.4575% | 2,048 |
| Return on Equity (ROE) | 17.9603% | 503 |
| Retained earnings to average equity (ytd only) | 11.4614% | 621 |
| Net charge-offs to loans | 0.0476% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 50.9181% | 745 |
| Efficiency ratio | 66.5886% | 4,335 |
| Assets per employee ($millions) | 4.4025% | 3,070 |
| Cash dividends to net income (ytd only)* | 36.1851% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 4,416 |
| Loan loss allowance to noncurrent loans | 205.4152% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 1.0070% | 4,269 |
| Noncurrent loans to loans | 0.6771% | 5,089 |
| Net loans and leases to total assets | 61.0915% | 3,556 |
| Net loans and leases to deposits | 66.8107% | 4,361 |
| Net loans and leases to core deposits | 70.3514% | 4,457 |
| Total domestic deposits to total assets | 91.4396% | 300 |
| Equity capital to assets | 8.3847% | 6,364 |
| Core capital (leverage) ratio | 8.5773% | 5,657 |
| Tier 1 risk-based capital ratio | 15.1494% | 3,740 |
| Total risk-based capital ratio | 16.4024% | 3,689 |
| Memoranda: | ||
| Average total assets | $65,224,000 | 5,841 |
| Average earning assets | $59,111,500 | 5,841 |
| Average equity | $5,293,000 | 6,276 |
| Average total loans | $39,218,250 | 5,610 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6290% | 3,231 |
| Cost of funding earning assets | 0.5629% | 5,203 |
| Net interest margin | 4.0661% | 2,229 |
| Noninterest income to average assets | 0.6158% | 3,165 |
| Noninterest expense to average assets | 2.9160% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3918% | 1,207 |
| Return on assets (ROA) | 1.3918% | 1,351 |
| Pretax return on assets | 1.3918% | 2,230 |
| Return on Equity (ROE) | 17.3457% | 595 |
| Retained earnings to average equity (ytd only) | 7.4448% | 1,903 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6912% | 4,188 |
| Assets per employee ($millions) | 4.2398% | 3,380 |
| Cash dividends to net income (ytd only)* | 57.0796% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 4,043 |
| Loan loss allowance to noncurrent loans | 197.6271% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 4,213 |
| Noncurrent loans to loans | 0.7553% | 4,999 |
| Net loans and leases to total assets | 60.4950% | 3,737 |
| Net loans and leases to deposits | 66.0708% | 4,501 |
| Net loans and leases to core deposits | 69.7189% | 4,563 |
| Total domestic deposits to total assets | 91.5609% | 301 |
| Equity capital to assets | 8.2740% | 6,396 |
| Core capital (leverage) ratio | 7.9236% | 6,345 |
| Tier 1 risk-based capital ratio | 14.7011% | 3,966 |
| Total risk-based capital ratio | 15.9556% | 3,922 |
| Memoranda: | ||
| Average total assets | $64,953,000 | 5,885 |
| Average earning assets | $58,976,000 | 5,872 |
| Average equity | $5,211,670 | 6,329 |
| Average total loans | $38,653,670 | 5,661 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 3,745 |
| Cost of funding earning assets | 0.5973% | 5,156 |
| Net interest margin | 3.9463% | 2,739 |
| Noninterest income to average assets | 0.6582% | 2,880 |
| Noninterest expense to average assets | 2.8828% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3591% | 1,297 |
| Return on assets (ROA) | 1.3591% | 1,460 |
| Pretax return on assets | 1.3591% | 2,344 |
| Return on Equity (ROE) | 17.1985% | 642 |
| Retained earnings to average equity (ytd only) | 17.1985% | 298 |
| Net charge-offs to loans | -0.0624% | 6,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9598% | 4,180 |
| Assets per employee ($millions) | 4.1991% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 4,078 |
| Loan loss allowance to noncurrent loans | 195.6811% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 4,055 |
| Noncurrent loans to loans | 0.7753% | 5,113 |
| Net loans and leases to total assets | 56.9070% | 4,231 |
| Net loans and leases to deposits | 61.8617% | 4,941 |
| Net loans and leases to core deposits | 65.0786% | 5,009 |
| Total domestic deposits to total assets | 91.9908% | 257 |
| Equity capital to assets | 7.8782% | 6,597 |
| Core capital (leverage) ratio | 8.0766% | 6,187 |
| Tier 1 risk-based capital ratio | 14.5027% | 4,105 |
| Total risk-based capital ratio | 15.7581% | 4,059 |
| Memoranda: | ||
| Average total assets | $65,631,000 | 5,900 |
| Average earning assets | $59,599,500 | 5,890 |
| Average equity | $5,186,500 | 6,373 |
| Average total loans | $38,452,500 | 5,711 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 4,688 |
| Cost of funding earning assets | 0.7146% | 5,438 |
| Net interest margin | 3.8831% | 3,411 |
| Noninterest income to average assets | 0.5996% | 3,164 |
| Noninterest expense to average assets | 3.0722% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1017% | 1,823 |
| Return on assets (ROA) | 1.1017% | 1,940 |
| Pretax return on assets | 1.0765% | 2,922 |
| Return on Equity (ROE) | 13.8002% | 976 |
| Retained earnings to average equity (ytd only) | 2.7797% | 4,257 |
| Net charge-offs to loans | 0.2586% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 7.1250% | 2,393 |
| Efficiency ratio | 74.0516% | 3,230 |
| Assets per employee ($millions) | 4.0048% | 3,837 |
| Cash dividends to net income (ytd only)* | 79.8571% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 3,882 |
| Loan loss allowance to noncurrent loans | 140.4819% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.5044% | 3,695 |
| Noncurrent loans to loans | 1.0897% | 4,534 |
| Net loans and leases to total assets | 58.5233% | 4,279 |
| Net loans and leases to deposits | 63.6543% | 5,053 |
| Net loans and leases to core deposits | 67.1453% | 5,143 |
| Total domestic deposits to total assets | 91.9394% | 246 |
| Equity capital to assets | 7.9280% | 6,619 |
| Core capital (leverage) ratio | 7.9169% | 6,344 |
| Tier 1 risk-based capital ratio | 14.0707% | 4,278 |
| Total risk-based capital ratio | 15.3261% | 4,223 |
| Memoranda: | ||
| Average total assets | $63,537,200 | 5,939 |
| Average earning assets | $58,072,200 | 5,930 |
| Average equity | $5,072,400 | 6,420 |
| Average total loans | $37,115,800 | 5,829 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 4,886 |
| Cost of funding earning assets | 0.7355% | 5,559 |
| Net interest margin | 3.8589% | 3,576 |
| Noninterest income to average assets | 0.5615% | 3,438 |
| Noninterest expense to average assets | 3.0303% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0956% | 1,987 |
| Return on assets (ROA) | 1.0956% | 2,136 |
| Pretax return on assets | 1.0620% | 3,160 |
| Return on Equity (ROE) | 13.6998% | 1,106 |
| Retained earnings to average equity (ytd only) | 6.8893% | 2,034 |
| Net charge-offs to loans | 0.3652% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.0001% | 2,904 |
| Efficiency ratio | 74.0493% | 3,174 |
| Assets per employee ($millions) | 3.9583% | 3,938 |
| Cash dividends to net income (ytd only)* | 49.7114% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 3,803 |
| Loan loss allowance to noncurrent loans | 138.2775% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 1.5269% | 3,814 |
| Noncurrent loans to loans | 1.1353% | 4,651 |
| Net loans and leases to total assets | 57.2214% | 4,638 |
| Net loans and leases to deposits | 62.4925% | 5,344 |
| Net loans and leases to core deposits | 65.9737% | 5,417 |
| Total domestic deposits to total assets | 91.5652% | 279 |
| Equity capital to assets | 8.2358% | 6,538 |
| Core capital (leverage) ratio | 8.1082% | 6,272 |
| Tier 1 risk-based capital ratio | 15.4632% | 3,405 |
| Total risk-based capital ratio | 16.7199% | 3,376 |
| Memoranda: | ||
| Average total assets | $63,402,250 | 5,983 |
| Average earning assets | $58,012,000 | 5,978 |
| Average equity | $5,070,500 | 6,475 |
| Average total loans | $36,874,000 | 5,880 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 5,140 |
| Cost of funding earning assets | 0.7495% | 5,670 |
| Net interest margin | 3.8095% | 3,736 |
| Noninterest income to average assets | 0.5424% | 3,535 |
| Noninterest expense to average assets | 3.0209% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0658% | 1,981 |
| Return on assets (ROA) | 1.0658% | 2,072 |
| Pretax return on assets | 1.0154% | 3,183 |
| Return on Equity (ROE) | 13.4608% | 1,098 |
| Retained earnings to average equity (ytd only) | 3.1462% | 4,272 |
| Net charge-offs to loans | 0.4987% | 2,609 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,153 |
| Efficiency ratio | 74.8438% | 3,215 |
| Assets per employee ($millions) | 3.9499% | 3,866 |
| Cash dividends to net income (ytd only)* | 76.6272% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,646 |
| Loan loss allowance to noncurrent loans | 101.3817% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.8149% | 3,484 |
| Noncurrent loans to loans | 1.5903% | 4,011 |
| Net loans and leases to total assets | 56.6813% | 4,870 |
| Net loans and leases to deposits | 61.6897% | 5,538 |
| Net loans and leases to core deposits | 65.1179% | 5,598 |
| Total domestic deposits to total assets | 91.8812% | 261 |
| Equity capital to assets | 7.9653% | 6,703 |
| Core capital (leverage) ratio | 7.8762% | 6,437 |
| Tier 1 risk-based capital ratio | 13.9008% | 4,235 |
| Total risk-based capital ratio | 15.1566% | 4,203 |
| Memoranda: | ||
| Average total assets | $63,425,330 | 6,032 |
| Average earning assets | $58,170,000 | 6,019 |
| Average equity | $5,022,000 | 6,519 |
| Average total loans | $36,892,670 | 5,939 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 5,087 |
| Cost of funding earning assets | 0.7615% | 5,794 |
| Net interest margin | 3.8074% | 3,585 |
| Noninterest income to average assets | 0.5288% | 3,661 |
| Noninterest expense to average assets | 3.0281% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9947% | 2,200 |
| Return on assets (ROA) | 0.9947% | 2,247 |
| Pretax return on assets | 0.9947% | 3,147 |
| Return on Equity (ROE) | 12.5997% | 1,300 |
| Retained earnings to average equity (ytd only) | 12.5997% | 655 |
| Net charge-offs to loans | 0.5709% | 2,059 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.9811% | 2,892 |
| Efficiency ratio | 75.2739% | 3,288 |
| Assets per employee ($millions) | 3.9476% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 3,396 |
| Loan loss allowance to noncurrent loans | 67.0954% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.4772% | 4,036 |
| Noncurrent loans to loans | 2.5106% | 2,975 |
| Net loans and leases to total assets | 57.8474% | 4,667 |
| Net loans and leases to deposits | 63.0416% | 5,377 |
| Net loans and leases to core deposits | 66.5483% | 5,457 |
| Total domestic deposits to total assets | 91.7607% | 351 |
| Equity capital to assets | 8.0762% | 6,413 |
| Core capital (leverage) ratio | 8.0640% | 6,174 |
| Tier 1 risk-based capital ratio | 14.3350% | 3,842 |
| Total risk-based capital ratio | 15.5926% | 3,801 |
| Memoranda: | ||
| Average total assets | $63,538,500 | 6,077 |
| Average earning assets | $58,308,000 | 6,052 |
| Average equity | $5,016,000 | 6,552 |
| Average total loans | $37,134,500 | 5,984 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3229% | 3,019 |
| Cost of funding earning assets | 1.0528% | 5,415 |
| Net interest margin | 4.2701% | 1,918 |
| Noninterest income to average assets | 0.6583% | 3,096 |
| Noninterest expense to average assets | 2.9771% | 3,935 |
| Loan and lease loss provision to assets | 0.1662% | 5,556 |
| Net operating income to assets | 1.3714% | 1,006 |
| Return on assets (ROA) | 1.3714% | 1,076 |
| Pretax return on assets | 1.3714% | 1,734 |
| Return on Equity (ROE) | 17.2205% | 458 |
| Retained earnings to average equity (ytd only) | 6.4290% | 1,600 |
| Net charge-offs to loans | 0.0444% | 6,362 |
| Credit loss provision to net charge-offs | 588.2353% | 374 |
| Earnings coverage of net charge-offs (x) | 54.4118% | 433 |
| Efficiency ratio | 65.9426% | 4,978 |
| Assets per employee ($millions) | 3.9948% | 3,798 |
| Cash dividends to net income (ytd only)* | 62.6667% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 2,759 |
| Loan loss allowance to noncurrent loans | 61.6152% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.7241% | 3,714 |
| Noncurrent loans to loans | 2.9699% | 2,575 |
| Net loans and leases to total assets | 56.9920% | 5,187 |
| Net loans and leases to deposits | 61.8686% | 5,855 |
| Net loans and leases to core deposits | 66.0161% | 5,872 |
| Total domestic deposits to total assets | 92.1178% | 260 |
| Equity capital to assets | 7.7148% | 6,742 |
| Core capital (leverage) ratio | 7.8368% | 6,391 |
| Tier 1 risk-based capital ratio | 14.9264% | 3,290 |
| Total risk-based capital ratio | 16.1864% | 3,242 |
| Memoranda: | ||
| Average total assets | $60,159,200 | 6,192 |
| Average earning assets | $54,331,200 | 6,198 |
| Average equity | $4,790,800 | 6,730 |
| Average total loans | $38,276,200 | 5,996 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5183% | 2,363 |
| Cost of funding earning assets | 1.1137% | 5,358 |
| Net interest margin | 4.4046% | 1,510 |
| Noninterest income to average assets | 0.6709% | 3,012 |
| Noninterest expense to average assets | 2.9359% | 3,961 |
| Loan and lease loss provision to assets | 0.2251% | 4,813 |
| Net operating income to assets | 1.4724% | 973 |
| Return on assets (ROA) | 1.4724% | 1,049 |
| Pretax return on assets | 1.4724% | 1,678 |
| Return on Equity (ROE) | 18.3353% | 453 |
| Retained earnings to average equity (ytd only) | 3.8408% | 3,756 |
| Net charge-offs to loans | 0.0519% | 6,005 |
| Credit loss provision to net charge-offs | 666.6667% | 441 |
| Earnings coverage of net charge-offs (x) | 50.2655% | 566 |
| Efficiency ratio | 63.3625% | 5,368 |
| Assets per employee ($millions) | 3.8639% | 4,109 |
| Cash dividends to net income (ytd only)* | 79.0523% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 2,780 |
| Loan loss allowance to noncurrent loans | 63.8837% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.7243% | 3,856 |
| Noncurrent loans to loans | 2.8219% | 2,829 |
| Net loans and leases to total assets | 60.0029% | 4,915 |
| Net loans and leases to deposits | 65.1830% | 5,759 |
| Net loans and leases to core deposits | 69.7052% | 5,776 |
| Total domestic deposits to total assets | 92.0530% | 182 |
| Equity capital to assets | 7.7254% | 6,985 |
| Core capital (leverage) ratio | 7.7792% | 6,591 |
| Tier 1 risk-based capital ratio | 13.4430% | 4,236 |
| Total risk-based capital ratio | 14.7023% | 4,185 |
| Memoranda: | ||
| Average total assets | $59,220,000 | 6,299 |
| Average earning assets | $53,276,250 | 6,319 |
| Average equity | $4,755,750 | 6,825 |
| Average total loans | $38,568,750 | 6,066 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 2,146 |
| Cost of funding earning assets | 1.1586% | 5,351 |
| Net interest margin | 4.4386% | 1,350 |
| Noninterest income to average assets | 0.6889% | 2,766 |
| Noninterest expense to average assets | 2.9510% | 3,884 |
| Loan and lease loss provision to assets | 0.1714% | 5,150 |
| Net operating income to assets | 1.5321% | 846 |
| Return on assets (ROA) | 1.5321% | 904 |
| Pretax return on assets | 1.5321% | 1,473 |
| Return on Equity (ROE) | 18.8250% | 403 |
| Retained earnings to average equity (ytd only) | -2.9480% | 6,291 |
| Net charge-offs to loans | 0.1082% | 5,079 |
| Credit loss provision to net charge-offs | 238.0952% | 1,617 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,097 |
| Efficiency ratio | 63.4021% | 5,446 |
| Assets per employee ($millions) | 3.7659% | 4,305 |
| Cash dividends to net income (ytd only)* | 115.6600% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 3,423 |
| Loan loss allowance to noncurrent loans | 60.6796% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.7094% | 3,880 |
| Noncurrent loans to loans | 2.6446% | 2,994 |
| Net loans and leases to total assets | 63.6014% | 4,331 |
| Net loans and leases to deposits | 69.0268% | 5,411 |
| Net loans and leases to core deposits | 73.9298% | 5,457 |
| Total domestic deposits to total assets | 92.1401% | 201 |
| Equity capital to assets | 7.6342% | 7,033 |
| Core capital (leverage) ratio | 7.6657% | 6,652 |
| Tier 1 risk-based capital ratio | 12.7912% | 4,614 |
| Total risk-based capital ratio | 14.0473% | 4,575 |
| Memoranda: | ||
| Average total assets | $58,352,670 | 6,376 |
| Average earning assets | $52,133,000 | 6,406 |
| Average equity | $4,749,000 | 6,862 |
| Average total loans | $38,833,000 | 6,098 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7873% | 1,501 |
| Cost of funding earning assets | 1.2288% | 5,237 |
| Net interest margin | 4.5585% | 1,034 |
| Noninterest income to average assets | 0.7038% | 2,570 |
| Noninterest expense to average assets | 2.8849% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8257% | 469 |
| Return on assets (ROA) | 1.8257% | 518 |
| Pretax return on assets | 1.8257% | 846 |
| Return on Equity (ROE) | 21.7270% | 287 |
| Retained earnings to average equity (ytd only) | 21.7270% | 158 |
| Net charge-offs to loans | -0.0722% | 7,450 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2426% | 5,956 |
| Assets per employee ($millions) | 4.4441% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 3,717 |
| Loan loss allowance to noncurrent loans | 195.7792% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 6,170 |
| Noncurrent loans to loans | 0.7846% | 5,750 |
| Net loans and leases to total assets | 66.9067% | 3,654 |
| Net loans and leases to deposits | 73.3848% | 4,843 |
| Net loans and leases to core deposits | 79.5317% | 4,825 |
| Total domestic deposits to total assets | 91.1723% | 476 |
| Equity capital to assets | 8.5697% | 5,911 |
| Core capital (leverage) ratio | 8.4812% | 5,408 |
| Tier 1 risk-based capital ratio | 12.8340% | 4,451 |
| Total risk-based capital ratio | 14.0873% | 4,427 |
| Memoranda: | ||
| Average total assets | $57,401,500 | 6,488 |
| Average earning assets | $50,455,000 | 6,530 |
| Average equity | $4,823,500 | 6,901 |
| Average total loans | $38,775,500 | 6,175 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9958% | 1,890 |
| Cost of funding earning assets | 1.5432% | 5,322 |
| Net interest margin | 4.4526% | 1,288 |
| Noninterest income to average assets | 0.7045% | 2,935 |
| Noninterest expense to average assets | 3.1282% | 3,621 |
| Loan and lease loss provision to assets | 0.2665% | 5,278 |
| Net operating income to assets | 1.2593% | 1,114 |
| Return on assets (ROA) | 1.2593% | 1,169 |
| Pretax return on assets | 1.2593% | 1,811 |
| Return on Equity (ROE) | 15.2372% | 641 |
| Retained earnings to average equity (ytd only) | 5.7636% | 1,442 |
| Net charge-offs to loans | 0.2968% | 4,777 |
| Credit loss provision to net charge-offs | 133.9450% | 3,721 |
| Earnings coverage of net charge-offs (x) | 7.6697% | 2,096 |
| Efficiency ratio | 67.2157% | 5,144 |
| Assets per employee ($millions) | 4.3869% | 3,136 |
| Cash dividends to net income (ytd only)* | 62.1739% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 3,449 |
| Loan loss allowance to noncurrent loans | 236.5079% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 6,353 |
| Noncurrent loans to loans | 0.6581% | 5,924 |
| Net loans and leases to total assets | 66.1021% | 4,123 |
| Net loans and leases to deposits | 72.2405% | 5,292 |
| Net loans and leases to core deposits | 96.1659% | 4,451 |
| Total domestic deposits to total assets | 91.5027% | 377 |
| Equity capital to assets | 8.2343% | 6,297 |
| Core capital (leverage) ratio | 8.0846% | 6,021 |
| Tier 1 risk-based capital ratio | 12.0639% | 4,890 |
| Total risk-based capital ratio | 13.2542% | 4,897 |
| Memoranda: | ||
| Average total assets | $54,792,200 | 6,532 |
| Average earning assets | $48,600,600 | 6,576 |
| Average equity | $4,528,400 | 7,105 |
| Average total loans | $36,722,000 | 6,264 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9585% | 2,201 |
| Cost of funding earning assets | 1.6034% | 5,383 |
| Net interest margin | 4.3551% | 1,578 |
| Noninterest income to average assets | 0.7105% | 2,949 |
| Noninterest expense to average assets | 3.1075% | 3,622 |
| Loan and lease loss provision to assets | 0.2360% | 5,086 |
| Net operating income to assets | 1.2735% | 1,277 |
| Return on assets (ROA) | 1.2735% | 1,350 |
| Pretax return on assets | 1.2735% | 2,033 |
| Return on Equity (ROE) | 15.3940% | 719 |
| Retained earnings to average equity (ytd only) | 2.6448% | 3,849 |
| Net charge-offs to loans | 0.4000% | 3,665 |
| Credit loss provision to net charge-offs | 88.0734% | 5,536 |
| Earnings coverage of net charge-offs (x) | 5.6330% | 2,768 |
| Efficiency ratio | 67.3056% | 5,117 |
| Assets per employee ($millions) | 4.3348% | 3,147 |
| Cash dividends to net income (ytd only)* | 82.8191% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 3,789 |
| Loan loss allowance to noncurrent loans | 145.2128% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 5,808 |
| Noncurrent loans to loans | 0.9840% | 5,338 |
| Net loans and leases to total assets | 66.8423% | 4,230 |
| Net loans and leases to deposits | 72.8865% | 5,525 |
| Net loans and leases to core deposits | 96.6911% | 4,737 |
| Total domestic deposits to total assets | 91.7075% | 223 |
| Equity capital to assets | 8.0459% | 6,807 |
| Core capital (leverage) ratio | 7.9579% | 6,435 |
| Tier 1 risk-based capital ratio | 11.7259% | 5,219 |
| Total risk-based capital ratio | 12.9281% | 5,213 |
| Memoranda: | ||
| Average total assets | $54,232,750 | 6,601 |
| Average earning assets | $48,646,500 | 6,627 |
| Average equity | $4,486,500 | 7,188 |
| Average total loans | $36,329,000 | 6,327 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9812% | 2,260 |
| Cost of funding earning assets | 1.6798% | 5,366 |
| Net interest margin | 4.3015% | 1,649 |
| Noninterest income to average assets | 0.7660% | 2,615 |
| Noninterest expense to average assets | 3.1312% | 3,576 |
| Loan and lease loss provision to assets | 0.2466% | 4,607 |
| Net operating income to assets | 1.2442% | 1,373 |
| Return on assets (ROA) | 1.2442% | 1,448 |
| Pretax return on assets | 1.2442% | 2,180 |
| Return on Equity (ROE) | 14.8971% | 850 |
| Retained earnings to average equity (ytd only) | -4.2947% | 6,186 |
| Net charge-offs to loans | 0.6610% | 2,380 |
| Credit loss provision to net charge-offs | 55.9322% | 5,665 |
| Earnings coverage of net charge-offs (x) | 3.3814% | 3,454 |
| Efficiency ratio | 67.7445% | 5,200 |
| Assets per employee ($millions) | 4.1696% | 3,352 |
| Cash dividends to net income (ytd only)* | 128.8288% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 3,793 |
| Loan loss allowance to noncurrent loans | 158.4375% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 5,939 |
| Noncurrent loans to loans | 0.8761% | 5,462 |
| Net loans and leases to total assets | 66.4496% | 4,470 |
| Net loans and leases to deposits | 72.4044% | 5,684 |
| Net loans and leases to core deposits | 94.8118% | 5,024 |
| Total domestic deposits to total assets | 91.7757% | 251 |
| Equity capital to assets | 7.9808% | 6,776 |
| Core capital (leverage) ratio | 7.6917% | 6,770 |
| Tier 1 risk-based capital ratio | 11.9374% | 4,973 |
| Total risk-based capital ratio | 13.1897% | 4,887 |
| Memoranda: | ||
| Average total assets | $53,526,330 | 6,686 |
| Average earning assets | $47,983,330 | 6,712 |
| Average equity | $4,470,670 | 7,249 |
| Average total loans | $35,701,000 | 6,423 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9773% | 2,453 |
| Cost of funding earning assets | 1.7814% | 5,198 |
| Net interest margin | 4.1959% | 1,912 |
| Noninterest income to average assets | 0.4888% | 4,418 |
| Noninterest expense to average assets | 3.0308% | 3,630 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1958% | 1,667 |
| Return on assets (ROA) | 1.1958% | 1,781 |
| Pretax return on assets | 1.1958% | 2,644 |
| Return on Equity (ROE) | 13.9996% | 1,171 |
| Retained earnings to average equity (ytd only) | 13.9996% | 519 |
| Net charge-offs to loans | -0.0907% | 7,851 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7082% | 4,236 |
| Assets per employee ($millions) | 4.1232% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 2,566 |
| Loan loss allowance to noncurrent loans | 65.0976% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.7966% | 3,222 |
| Noncurrent loans to loans | 2.4402% | 2,702 |
| Net loans and leases to total assets | 65.5342% | 4,693 |
| Net loans and leases to deposits | 71.9182% | 5,755 |
| Net loans and leases to core deposits | 96.1699% | 4,954 |
| Total domestic deposits to total assets | 91.1233% | 375 |
| Equity capital to assets | 8.6584% | 5,829 |
| Core capital (leverage) ratio | 8.4611% | 5,614 |
| Tier 1 risk-based capital ratio | 12.8895% | 4,259 |
| Total risk-based capital ratio | 14.1441% | 4,182 |
| Memoranda: | ||
| Average total assets | $53,187,000 | 6,733 |
| Average earning assets | $47,379,500 | 6,772 |
| Average equity | $4,543,000 | 7,274 |
| Average total loans | $35,288,500 | 6,472 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8362% | 1,563 |
| Cost of funding earning assets | 2.4202% | 4,633 |
| Net interest margin | 4.4160% | 1,639 |
| Noninterest income to average assets | 0.5861% | 3,964 |
| Noninterest expense to average assets | 3.3976% | 2,689 |
| Loan and lease loss provision to assets | 0.0993% | 6,109 |
| Net operating income to assets | 0.9756% | 2,661 |
| Return on assets (ROA) | 0.9756% | 2,541 |
| Pretax return on assets | 0.9756% | 3,467 |
| Return on Equity (ROE) | 11.4596% | 1,766 |
| Retained earnings to average equity (ytd only) | 2.6374% | 3,545 |
| Net charge-offs to loans | 0.0244% | 6,504 |
| Credit loss provision to net charge-offs | 625.0000% | 688 |
| Earnings coverage of net charge-offs (x) | 67.6250% | 600 |
| Efficiency ratio | 75.9662% | 3,238 |
| Assets per employee ($millions) | 4.0595% | 3,391 |
| Cash dividends to net income (ytd only)* | 76.9857% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 2,232 |
| Loan loss allowance to noncurrent loans | 68.8424% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.7130% | 2,844 |
| Noncurrent loans to loans | 2.3278% | 2,373 |
| Net loans and leases to total assets | 65.0408% | 5,052 |
| Net loans and leases to deposits | 71.2220% | 6,139 |
| Net loans and leases to core deposits | 95.2122% | 5,328 |
| Total domestic deposits to total assets | 91.3213% | 243 |
| Equity capital to assets | 8.4229% | 6,217 |
| Core capital (leverage) ratio | 8.1715% | 6,220 |
| Tier 1 risk-based capital ratio | 12.6400% | 4,330 |
| Total risk-based capital ratio | 13.8952% | 4,244 |
| Memoranda: | ||
| Average total assets | $50,330,000 | 6,762 |
| Average earning assets | $44,293,800 | 6,845 |
| Average equity | $4,284,600 | 7,399 |
| Average total loans | $32,733,600 | 6,566 |