Home > The First National Bank of Lacon > Performance and Condition Ratios
The First National Bank of Lacon, 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 | 4.3361% | 3,384 |
| Cost of funding earning assets | 0.6765% | 3,958 |
| Net interest margin | 3.6595% | 1,839 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.6166% | 1,956 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9715% | 2,302 |
| Return on assets (ROA) | 0.9715% | 2,288 |
| Pretax return on assets | 0.9715% | 2,748 |
| Return on Equity (ROE) | 16.7400% | 981 |
| Retained earnings to average equity (ytd only) | 2.4629% | 3,455 |
| Net charge-offs to loans | 0.0413% | 1,491 |
| Credit loss provision to net charge-offs | 68.1818% | 2,102 |
| Earnings coverage of net charge-offs (x) | 37.4545% | 1,488 |
| Efficiency ratio | 72.5608% | 1,607 |
| Assets per employee ($millions) | 6.2608% | 2,581 |
| Cash dividends to net income (ytd only)* | 85.2905% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 4,022 |
| Loan loss allowance to noncurrent loans | 711.8644% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,074 |
| Noncurrent loans to loans | 0.1083% | 2,993 |
| Net loans and leases to total assets | 66.4200% | 2,209 |
| Net loans and leases to deposits | 72.9186% | 2,704 |
| Net loans and leases to core deposits | 76.1331% | 2,965 |
| Total domestic deposits to total assets | 91.0800% | 484 |
| Equity capital to assets | 6.5929% | 4,084 |
| Core capital (leverage) ratio | 8.2167% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9347% | 1,886 |
| Memoranda: | ||
| Average total assets | $83,275,400 | 3,989 |
| Average earning assets | $80,557,000 | 3,926 |
| Average equity | $4,831,800 | 4,277 |
| Average total loans | $53,251,000 | 3,793 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,414 |
| Cost of funding earning assets | 0.6214% | 3,935 |
| Net interest margin | 3.6105% | 1,981 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 2.5266% | 2,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0301% | 2,275 |
| Return on assets (ROA) | 1.0301% | 2,263 |
| Pretax return on assets | 1.0301% | 2,769 |
| Return on Equity (ROE) | 18.3600% | 902 |
| Retained earnings to average equity (ytd only) | 4.8811% | 2,974 |
| Net charge-offs to loans | 0.0050% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 323.5000% | 424 |
| Efficiency ratio | 71.0385% | 1,676 |
| Assets per employee ($millions) | 6.7186% | 2,170 |
| Cash dividends to net income (ytd only)* | 73.4158% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 4,008 |
| Loan loss allowance to noncurrent loans | 1,036.5854% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,337 |
| Noncurrent loans to loans | 0.0756% | 3,218 |
| Net loans and leases to total assets | 61.5700% | 2,694 |
| Net loans and leases to deposits | 66.1806% | 3,113 |
| Net loans and leases to core deposits | 68.8117% | 3,280 |
| Total domestic deposits to total assets | 93.0300% | 292 |
| Equity capital to assets | 5.5666% | 4,122 |
| Core capital (leverage) ratio | 8.1607% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7910% | 1,976 |
| Memoranda: | ||
| Average total assets | $83,746,750 | 3,998 |
| Average earning assets | $81,316,500 | 3,936 |
| Average equity | $4,698,250 | 4,296 |
| Average total loans | $52,944,750 | 3,808 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 3,296 |
| Cost of funding earning assets | 0.5560% | 3,868 |
| Net interest margin | 3.6424% | 1,934 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 2.6336% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9546% | 2,569 |
| Return on assets (ROA) | 0.9546% | 2,559 |
| Pretax return on assets | 0.9546% | 3,031 |
| Return on Equity (ROE) | 16.9700% | 1,103 |
| Retained earnings to average equity (ytd only) | 2.9718% | 3,487 |
| Net charge-offs to loans | 0.0038% | 2,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 394.0000% | 366 |
| Efficiency ratio | 73.3964% | 1,418 |
| Assets per employee ($millions) | 6.9311% | 1,981 |
| Cash dividends to net income (ytd only)* | 82.4873% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 4,046 |
| 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 | 59.1900% | 2,850 |
| Net loans and leases to deposits | 63.2882% | 3,242 |
| Net loans and leases to core deposits | 65.6924% | 3,367 |
| Total domestic deposits to total assets | 93.5300% | 183 |
| Equity capital to assets | 5.1785% | 4,347 |
| Core capital (leverage) ratio | 7.7280% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2712% | 2,185 |
| Memoranda: | ||
| Average total assets | $82,548,333 | 4,022 |
| Average earning assets | $80,222,333 | 3,967 |
| Average equity | $4,643,667 | 4,331 |
| Average total loans | $52,525,667 | 3,825 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 3,127 |
| Cost of funding earning assets | 0.4553% | 3,825 |
| Net interest margin | 3.6996% | 1,898 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 2.6253% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9953% | 2,543 |
| Return on assets (ROA) | 0.9953% | 2,512 |
| Pretax return on assets | 0.9953% | 3,010 |
| Return on Equity (ROE) | 16.9200% | 1,186 |
| Retained earnings to average equity (ytd only) | 0.5181% | 3,946 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.5105% | 1,492 |
| Assets per employee ($millions) | 6.0821% | 2,693 |
| Cash dividends to net income (ytd only)* | 96.9388% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 4,021 |
| Loan loss allowance to noncurrent loans | 4,270.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,735 |
| Noncurrent loans to loans | 0.0196% | 3,640 |
| Net loans and leases to total assets | 64.1000% | 2,242 |
| Net loans and leases to deposits | 69.3365% | 2,669 |
| Net loans and leases to core deposits | 72.3730% | 2,789 |
| Total domestic deposits to total assets | 92.4500% | 415 |
| Equity capital to assets | 6.1568% | 4,146 |
| Core capital (leverage) ratio | 8.0125% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4206% | 1,821 |
| Memoranda: | ||
| Average total assets | $78,770,500 | 4,120 |
| Average earning assets | $76,440,500 | 4,050 |
| Average equity | $4,632,500 | 4,387 |
| Average total loans | $51,909,000 | 3,881 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5986% | 2,809 |
| Cost of funding earning assets | 0.2382% | 3,427 |
| Net interest margin | 3.3604% | 2,382 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.4788% | 2,186 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 0.9089% | 2,922 |
| Return on assets (ROA) | 0.9089% | 2,863 |
| Pretax return on assets | 0.9089% | 3,332 |
| Return on Equity (ROE) | 14.5500% | 1,385 |
| Retained earnings to average equity (ytd only) | 3.5673% | 3,547 |
| Net charge-offs to loans | 0.0039% | 2,311 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | 343.0000% | 444 |
| Efficiency ratio | 74.2686% | 1,193 |
| Assets per employee ($millions) | 6.0365% | 2,732 |
| Cash dividends to net income (ytd only)* | 75.4821% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 4,006 |
| Loan loss allowance to noncurrent loans | 1,293.9394% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,380 |
| Noncurrent loans to loans | 0.0626% | 3,300 |
| Net loans and leases to total assets | 66.6200% | 1,966 |
| Net loans and leases to deposits | 71.5680% | 2,449 |
| Net loans and leases to core deposits | 74.7259% | 2,519 |
| Total domestic deposits to total assets | 93.0900% | 384 |
| Equity capital to assets | 5.6031% | 4,207 |
| Core capital (leverage) ratio | 7.9303% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6546% | 2,104 |
| Memoranda: | ||
| Average total assets | $79,878,000 | 4,134 |
| Average earning assets | $77,252,600 | 4,071 |
| Average equity | $4,989,800 | 4,430 |
| Average total loans | $50,920,600 | 3,875 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4634% | 2,739 |
| Cost of funding earning assets | 0.1977% | 3,309 |
| Net interest margin | 3.2657% | 2,402 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 2.3466% | 2,489 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 0.9589% | 2,629 |
| Return on assets (ROA) | 0.9589% | 2,602 |
| Pretax return on assets | 0.9589% | 3,144 |
| Return on Equity (ROE) | 14.9700% | 1,183 |
| Retained earnings to average equity (ytd only) | 6.4615% | 2,568 |
| Net charge-offs to loans | -0.0132% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.4474% | 1,453 |
| Assets per employee ($millions) | 6.8789% | 2,038 |
| Cash dividends to net income (ytd only)* | 56.8458% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 4,022 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 62.8600% | 2,208 |
| Net loans and leases to deposits | 67.3756% | 2,593 |
| Net loans and leases to core deposits | 69.4721% | 2,679 |
| Total domestic deposits to total assets | 93.3000% | 502 |
| Equity capital to assets | 5.2721% | 4,199 |
| Core capital (leverage) ratio | 7.8976% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7048% | 2,169 |
| Memoranda: | ||
| Average total assets | $80,229,000 | 4,156 |
| Average earning assets | $77,571,250 | 4,095 |
| Average equity | $5,138,000 | 4,453 |
| Average total loans | $50,474,250 | 3,907 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3210% | 2,671 |
| Cost of funding earning assets | 0.1926% | 3,019 |
| Net interest margin | 3.1284% | 2,440 |
| Noninterest income to average assets | 0.0780% | 4,562 |
| Noninterest expense to average assets | 2.4189% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6847% | 3,362 |
| Return on assets (ROA) | 0.6847% | 3,315 |
| Pretax return on assets | 0.6847% | 3,612 |
| Return on Equity (ROE) | 10.0741% | 2,307 |
| Retained earnings to average equity (ytd only) | 2.3704% | 3,652 |
| Net charge-offs to loans | -0.0201% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9400% | 1,086 |
| Assets per employee ($millions) | 6.7674% | 2,097 |
| Cash dividends to net income (ytd only)* | 76.4706% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 3,873 |
| Loan loss allowance to noncurrent loans | 3,160.0000% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 3,845 |
| Noncurrent loans to loans | 0.0293% | 3,737 |
| Net loans and leases to total assets | 57.5589% | 2,574 |
| Net loans and leases to deposits | 61.8026% | 2,901 |
| Net loans and leases to core deposits | 63.6028% | 3,002 |
| Total domestic deposits to total assets | 93.1334% | 484 |
| Equity capital to assets | 5.5799% | 4,337 |
| Core capital (leverage) ratio | 7.6803% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4211% | 2,330 |
| Memoranda: | ||
| Average total assets | $79,456,333 | 4,211 |
| Average earning assets | $76,845,000 | 4,160 |
| Average equity | $5,400,000 | 4,484 |
| Average total loans | $49,858,333 | 3,961 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2824% | 2,439 |
| Cost of funding earning assets | 0.2038% | 2,746 |
| Net interest margin | 3.0786% | 2,240 |
| Noninterest income to average assets | 0.0745% | 4,594 |
| Noninterest expense to average assets | 2.4842% | 1,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5639% | 3,509 |
| Return on assets (ROA) | 0.5639% | 3,485 |
| Pretax return on assets | 0.5639% | 3,722 |
| Return on Equity (ROE) | 7.5104% | 2,867 |
| Retained earnings to average equity (ytd only) | -1.7005% | 4,221 |
| Net charge-offs to loans | -0.0244% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5009% | 1,025 |
| Assets per employee ($millions) | 5.8925% | 2,904 |
| Cash dividends to net income (ytd only)* | 122.6415% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,847 |
| Loan loss allowance to noncurrent loans | 59.5449% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 480 |
| Noncurrent loans to loans | 1.6244% | 493 |
| Net loans and leases to total assets | 62.9518% | 1,747 |
| Net loans and leases to deposits | 68.7466% | 2,075 |
| Net loans and leases to core deposits | 71.0918% | 2,200 |
| Total domestic deposits to total assets | 91.5708% | 766 |
| Equity capital to assets | 7.0089% | 4,211 |
| Core capital (leverage) ratio | 8.0119% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1381% | 2,140 |
| Memoranda: | ||
| Average total assets | $75,196,500 | 4,283 |
| Average earning assets | $72,629,500 | 4,230 |
| Average equity | $5,645,500 | 4,506 |
| Average total loans | $49,231,500 | 3,985 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2994% | 3,221 |
| Cost of funding earning assets | 0.2210% | 3,242 |
| Net interest margin | 3.0784% | 2,970 |
| Noninterest income to average assets | 0.0990% | 4,610 |
| Noninterest expense to average assets | 2.4592% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6222% | 3,827 |
| Return on assets (ROA) | 0.6222% | 3,868 |
| Pretax return on assets | 0.6222% | 4,073 |
| Return on Equity (ROE) | 7.8931% | 3,248 |
| Retained earnings to average equity (ytd only) | 2.8517% | 3,703 |
| Net charge-offs to loans | -0.0021% | 3,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8089% | 817 |
| Assets per employee ($millions) | 5.6762% | 3,088 |
| Cash dividends to net income (ytd only)* | 63.8710% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 3,956 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 3,840 |
| Noncurrent loans to loans | 0.0422% | 3,772 |
| Net loans and leases to total assets | 66.8112% | 1,398 |
| Net loans and leases to deposits | 73.7461% | 1,736 |
| Net loans and leases to core deposits | 76.4223% | 1,883 |
| Total domestic deposits to total assets | 90.5963% | 674 |
| Equity capital to assets | 8.0255% | 4,351 |
| Core capital (leverage) ratio | 8.1683% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5175% | 2,444 |
| Memoranda: | ||
| Average total assets | $74,740,600 | 4,281 |
| Average earning assets | $72,407,200 | 4,224 |
| Average equity | $5,891,200 | 4,539 |
| Average total loans | $48,431,600 | 4,031 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2496% | 3,516 |
| Cost of funding earning assets | 0.2235% | 3,392 |
| Net interest margin | 3.0261% | 3,244 |
| Noninterest income to average assets | 0.0907% | 4,704 |
| Noninterest expense to average assets | 2.3935% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6348% | 3,941 |
| Return on assets (ROA) | 0.6348% | 3,998 |
| Pretax return on assets | 0.6348% | 4,181 |
| Return on Equity (ROE) | 8.0902% | 3,373 |
| Retained earnings to average equity (ytd only) | 3.3993% | 3,768 |
| Net charge-offs to loans | -0.0055% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0370% | 809 |
| Assets per employee ($millions) | 6.1735% | 2,527 |
| Cash dividends to net income (ytd only)* | 57.9832% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 4,040 |
| Loan loss allowance to noncurrent loans | 1,175.0000% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 3,821 |
| Noncurrent loans to loans | 0.0798% | 3,690 |
| Net loans and leases to total assets | 61.8471% | 2,024 |
| Net loans and leases to deposits | 67.9740% | 2,436 |
| Net loans and leases to core deposits | 70.2204% | 2,577 |
| Total domestic deposits to total assets | 90.9863% | 375 |
| Equity capital to assets | 7.5396% | 4,692 |
| Core capital (leverage) ratio | 7.9409% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0461% | 2,695 |
| Memoranda: | ||
| Average total assets | $74,978,250 | 4,333 |
| Average earning assets | $72,786,000 | 4,279 |
| Average equity | $5,883,500 | 4,605 |
| Average total loans | $48,097,250 | 4,086 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2932% | 3,448 |
| Cost of funding earning assets | 0.2364% | 3,419 |
| Net interest margin | 3.0568% | 3,160 |
| Noninterest income to average assets | 0.0929% | 4,714 |
| Noninterest expense to average assets | 2.4994% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5600% | 4,072 |
| Return on assets (ROA) | 0.5600% | 4,126 |
| Pretax return on assets | 0.5600% | 4,297 |
| Return on Equity (ROE) | 7.0354% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.7751% | 3,589 |
| Net charge-offs to loans | 0.0042% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 489 |
| Efficiency ratio | 81.6964% | 692 |
| Assets per employee ($millions) | 6.2929% | 2,339 |
| Cash dividends to net income (ytd only)* | 46.3415% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 3,629 |
| Loan loss allowance to noncurrent loans | 2,139.1304% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 4,076 |
| Noncurrent loans to loans | 0.0491% | 3,933 |
| Net loans and leases to total assets | 56.7035% | 2,814 |
| Net loans and leases to deposits | 62.0376% | 3,200 |
| Net loans and leases to core deposits | 64.0338% | 3,284 |
| Total domestic deposits to total assets | 91.4018% | 256 |
| Equity capital to assets | 7.2157% | 4,803 |
| Core capital (leverage) ratio | 7.9040% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,219,000 | 4,379 |
| Average earning assets | $71,055,333 | 4,328 |
| Average equity | $5,827,667 | 4,639 |
| Average total loans | $47,427,667 | 4,127 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 3,026 |
| Cost of funding earning assets | 0.2698% | 3,276 |
| Net interest margin | 3.1954% | 2,714 |
| Noninterest income to average assets | 0.0987% | 4,692 |
| Noninterest expense to average assets | 2.6057% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5861% | 3,977 |
| Return on assets (ROA) | 0.5861% | 4,035 |
| Pretax return on assets | 0.5861% | 4,210 |
| Return on Equity (ROE) | 6.9775% | 3,614 |
| Retained earnings to average equity (ytd only) | 5.5959% | 3,030 |
| Net charge-offs to loans | 0.0252% | 1,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,050 |
| Efficiency ratio | 81.6364% | 719 |
| Assets per employee ($millions) | 5.3129% | 3,323 |
| Cash dividends to net income (ytd only)* | 19.8020% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,651 |
| Loan loss allowance to noncurrent loans | 2,809.5238% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,143 |
| Noncurrent loans to loans | 0.0446% | 4,068 |
| Net loans and leases to total assets | 67.3134% | 1,620 |
| Net loans and leases to deposits | 74.6943% | 2,051 |
| Net loans and leases to core deposits | 77.5914% | 2,218 |
| Total domestic deposits to total assets | 90.1184% | 764 |
| Equity capital to assets | 8.3222% | 4,257 |
| Core capital (leverage) ratio | 8.4694% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,924,500 | 4,450 |
| Average earning assets | $66,720,000 | 4,400 |
| Average equity | $5,790,000 | 4,659 |
| Average total loans | $47,701,500 | 4,145 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 2,676 |
| Cost of funding earning assets | 0.3287% | 3,983 |
| Net interest margin | 3.6878% | 1,843 |
| Noninterest income to average assets | 0.1337% | 4,616 |
| Noninterest expense to average assets | 2.6410% | 2,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0453% | 2,119 |
| Return on assets (ROA) | 1.0453% | 2,262 |
| Pretax return on assets | 1.0453% | 2,897 |
| Return on Equity (ROE) | 11.5646% | 1,452 |
| Retained earnings to average equity (ytd only) | 1.0714% | 4,201 |
| Net charge-offs to loans | 0.0128% | 2,873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 113.3333% | 730 |
| Efficiency ratio | 71.6430% | 1,731 |
| Assets per employee ($millions) | 5.2908% | 3,058 |
| Cash dividends to net income (ytd only)* | 90.7353% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 2,804 |
| Loan loss allowance to noncurrent loans | 714.4578% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 3,682 |
| Noncurrent loans to loans | 0.1718% | 3,597 |
| Net loans and leases to total assets | 69.3913% | 1,632 |
| Net loans and leases to deposits | 77.0701% | 2,166 |
| Net loans and leases to core deposits | 80.1088% | 2,355 |
| Total domestic deposits to total assets | 90.0365% | 553 |
| Equity capital to assets | 8.4791% | 4,458 |
| Core capital (leverage) ratio | 8.6247% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,050,800 | 4,444 |
| Average earning assets | $62,666,800 | 4,407 |
| Average equity | $5,880,000 | 4,655 |
| Average total loans | $46,756,000 | 4,168 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 2,676 |
| Cost of funding earning assets | 0.3433% | 4,094 |
| Net interest margin | 3.7546% | 1,746 |
| Noninterest income to average assets | 0.1248% | 4,669 |
| Noninterest expense to average assets | 2.5556% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1853% | 1,687 |
| Return on assets (ROA) | 1.1853% | 1,811 |
| Pretax return on assets | 1.1853% | 2,439 |
| Return on Equity (ROE) | 12.8985% | 1,141 |
| Retained earnings to average equity (ytd only) | 5.6120% | 2,282 |
| Net charge-offs to loans | 0.0173% | 2,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 823 |
| Efficiency ratio | 68.3157% | 2,139 |
| Assets per employee ($millions) | 5.4415% | 2,761 |
| Cash dividends to net income (ytd only)* | 56.4912% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,426 |
| Loan loss allowance to noncurrent loans | 1,140.3846% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 4,033 |
| Noncurrent loans to loans | 0.1091% | 3,930 |
| Net loans and leases to total assets | 72.1140% | 1,648 |
| Net loans and leases to deposits | 81.0022% | 2,197 |
| Net loans and leases to core deposits | 83.9481% | 2,481 |
| Total domestic deposits to total assets | 89.0272% | 754 |
| Equity capital to assets | 9.2208% | 3,936 |
| Core capital (leverage) ratio | 8.7104% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,118,250 | 4,469 |
| Average earning assets | $61,754,250 | 4,434 |
| Average equity | $5,892,000 | 4,680 |
| Average total loans | $46,364,750 | 4,199 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 2,813 |
| Cost of funding earning assets | 0.3584% | 4,231 |
| Net interest margin | 3.8256% | 1,758 |
| Noninterest income to average assets | 0.1287% | 4,658 |
| Noninterest expense to average assets | 2.5641% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2491% | 1,495 |
| Return on assets (ROA) | 1.2491% | 1,613 |
| Pretax return on assets | 1.2491% | 2,187 |
| Return on Equity (ROE) | 13.6092% | 953 |
| Retained earnings to average equity (ytd only) | 7.0439% | 1,644 |
| Net charge-offs to loans | 0.0087% | 2,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 455 |
| Efficiency ratio | 67.2428% | 2,345 |
| Assets per employee ($millions) | 6.0698% | 2,121 |
| Cash dividends to net income (ytd only)* | 48.2412% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,060 |
| Loan loss allowance to noncurrent loans | 1,148.0769% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 4,171 |
| Noncurrent loans to loans | 0.1122% | 4,004 |
| Net loans and leases to total assets | 62.7950% | 3,033 |
| Net loans and leases to deposits | 71.7707% | 3,283 |
| Net loans and leases to core deposits | 74.1333% | 3,451 |
| Total domestic deposits to total assets | 87.4940% | 1,418 |
| Equity capital to assets | 8.2335% | 4,619 |
| Core capital (leverage) ratio | 9.1178% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,725,000 | 4,485 |
| Average earning assets | $61,375,667 | 4,449 |
| Average equity | $5,849,000 | 4,703 |
| Average total loans | $45,925,667 | 4,218 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 1,453 |
| Cost of funding earning assets | 0.4020% | 4,354 |
| Net interest margin | 4.3864% | 645 |
| Noninterest income to average assets | 0.1622% | 4,560 |
| Noninterest expense to average assets | 2.7582% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6090% | 615 |
| Return on assets (ROA) | 1.6090% | 679 |
| Pretax return on assets | 1.6090% | 1,026 |
| Return on Equity (ROE) | 16.4848% | 383 |
| Retained earnings to average equity (ytd only) | 3.1861% | 3,004 |
| Net charge-offs to loans | 0.0350% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 811 |
| Efficiency ratio | 63.1579% | 3,349 |
| Assets per employee ($millions) | 4.8652% | 2,796 |
| Cash dividends to net income (ytd only)* | 80.6723% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,135 |
| Loan loss allowance to noncurrent loans | 177.6119% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5738% | 2,280 |
| Noncurrent loans to loans | 0.7338% | 2,166 |
| Net loans and leases to total assets | 77.1762% | 1,099 |
| Net loans and leases to deposits | 87.5420% | 1,804 |
| Net loans and leases to core deposits | 91.8837% | 2,173 |
| Total domestic deposits to total assets | 88.1590% | 1,035 |
| Equity capital to assets | 9.9568% | 3,828 |
| Core capital (leverage) ratio | 9.6230% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,169,000 | 4,569 |
| Average earning assets | $56,721,000 | 4,530 |
| Average equity | $5,775,000 | 4,753 |
| Average total loans | $45,721,000 | 4,234 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 3,060 |
| Cost of funding earning assets | 0.3918% | 4,466 |
| Net interest margin | 4.0744% | 1,610 |
| Noninterest income to average assets | 0.1779% | 4,601 |
| Noninterest expense to average assets | 3.0291% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0391% | 2,700 |
| Return on assets (ROA) | 1.0391% | 2,791 |
| Pretax return on assets | 1.0391% | 3,365 |
| Return on Equity (ROE) | 11.0194% | 1,879 |
| Retained earnings to average equity (ytd only) | 1.4986% | 4,206 |
| Net charge-offs to loans | -0.0269% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4585% | 1,555 |
| Assets per employee ($millions) | 4.9963% | 2,604 |
| Cash dividends to net income (ytd only)* | 86.4000% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 1,885 |
| Loan loss allowance to noncurrent loans | 713.0952% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 3,940 |
| Noncurrent loans to loans | 0.1834% | 3,797 |
| Net loans and leases to total assets | 75.3736% | 1,527 |
| Net loans and leases to deposits | 84.9551% | 2,210 |
| Net loans and leases to core deposits | 89.0428% | 2,512 |
| Total domestic deposits to total assets | 88.7217% | 780 |
| Equity capital to assets | 9.5687% | 4,294 |
| Core capital (leverage) ratio | 9.4612% | 4,098 |
| Tier 1 risk-based capital ratio | 12.9280% | 3,825 |
| Total risk-based capital ratio | 14.1787% | 3,708 |
| Memoranda: | ||
| Average total assets | $60,149,400 | 4,595 |
| Average earning assets | $57,432,200 | 4,568 |
| Average equity | $5,671,800 | 4,799 |
| Average total loans | $44,529,200 | 4,294 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 3,277 |
| Cost of funding earning assets | 0.3806% | 4,560 |
| Net interest margin | 4.0446% | 1,787 |
| Noninterest income to average assets | 0.1572% | 4,764 |
| Noninterest expense to average assets | 2.9059% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1119% | 2,531 |
| Return on assets (ROA) | 1.1119% | 2,613 |
| Pretax return on assets | 1.1119% | 3,262 |
| Return on Equity (ROE) | 11.8349% | 1,674 |
| Retained earnings to average equity (ytd only) | 6.0589% | 2,345 |
| Net charge-offs to loans | -0.0271% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3264% | 1,786 |
| Assets per employee ($millions) | 4.9930% | 2,573 |
| Cash dividends to net income (ytd only)* | 48.8048% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 1,953 |
| Loan loss allowance to noncurrent loans | 1,862.5000% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 4,445 |
| Noncurrent loans to loans | 0.0699% | 4,320 |
| Net loans and leases to total assets | 75.3672% | 1,591 |
| Net loans and leases to deposits | 85.4405% | 2,269 |
| Net loans and leases to core deposits | 89.5581% | 2,579 |
| Total domestic deposits to total assets | 88.2102% | 946 |
| Equity capital to assets | 9.8555% | 4,153 |
| Core capital (leverage) ratio | 9.8278% | 3,815 |
| Tier 1 risk-based capital ratio | 13.3236% | 3,673 |
| Total risk-based capital ratio | 14.5751% | 3,570 |
| Memoranda: | ||
| Average total assets | $60,197,750 | 4,658 |
| Average earning assets | $57,457,750 | 4,621 |
| Average equity | $5,655,500 | 4,867 |
| Average total loans | $44,214,000 | 4,354 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 3,546 |
| Cost of funding earning assets | 0.3705% | 4,617 |
| Net interest margin | 3.9578% | 2,069 |
| Noninterest income to average assets | 0.1327% | 4,909 |
| Noninterest expense to average assets | 2.8760% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0482% | 2,731 |
| Return on assets (ROA) | 1.0482% | 2,804 |
| Pretax return on assets | 1.0482% | 3,394 |
| Return on Equity (ROE) | 11.3418% | 1,848 |
| Retained earnings to average equity (ytd only) | 2.5483% | 3,923 |
| Net charge-offs to loans | -0.0320% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2883% | 1,733 |
| Assets per employee ($millions) | 5.4511% | 2,006 |
| Cash dividends to net income (ytd only)* | 77.5316% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 1,801 |
| Loan loss allowance to noncurrent loans | 1,856.2500% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 4,523 |
| Noncurrent loans to loans | 0.0729% | 4,352 |
| Net loans and leases to total assets | 66.2055% | 3,080 |
| Net loans and leases to deposits | 72.6859% | 3,624 |
| Net loans and leases to core deposits | 75.7605% | 3,754 |
| Total domestic deposits to total assets | 91.0843% | 92 |
| Equity capital to assets | 8.7460% | 4,925 |
| Core capital (leverage) ratio | 9.5371% | 4,113 |
| Tier 1 risk-based capital ratio | 13.0698% | 3,802 |
| Total risk-based capital ratio | 14.3212% | 3,706 |
| Memoranda: | ||
| Average total assets | $60,291,670 | 4,690 |
| Average earning assets | $57,760,000 | 4,655 |
| Average equity | $5,572,330 | 4,908 |
| Average total loans | $43,701,000 | 4,397 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 3,144 |
| Cost of funding earning assets | 0.3768% | 4,581 |
| Net interest margin | 4.0438% | 1,706 |
| Noninterest income to average assets | 0.1386% | 4,903 |
| Noninterest expense to average assets | 2.9655% | 2,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0393% | 2,696 |
| Return on assets (ROA) | 1.0393% | 2,738 |
| Pretax return on assets | 1.0393% | 3,310 |
| Return on Equity (ROE) | 10.9131% | 1,976 |
| Retained earnings to average equity (ytd only) | 1.8188% | 4,114 |
| Net charge-offs to loans | -0.0459% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0484% | 1,753 |
| Assets per employee ($millions) | 4.7373% | 2,864 |
| Cash dividends to net income (ytd only)* | 83.3333% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 1,832 |
| Loan loss allowance to noncurrent loans | 69.5652% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 803 |
| Noncurrent loans to loans | 1.9531% | 767 |
| Net loans and leases to total assets | 75.6051% | 1,545 |
| Net loans and leases to deposits | 83.9650% | 2,390 |
| Net loans and leases to core deposits | 88.1081% | 2,674 |
| Total domestic deposits to total assets | 90.0436% | 429 |
| Equity capital to assets | 9.8174% | 3,997 |
| Core capital (leverage) ratio | 9.6391% | 3,981 |
| Tier 1 risk-based capital ratio | 13.4305% | 3,645 |
| Total risk-based capital ratio | 14.6821% | 3,549 |
| Memoranda: | ||
| Average total assets | $57,731,000 | 4,780 |
| Average earning assets | $55,195,000 | 4,747 |
| Average equity | $5,498,000 | 4,960 |
| Average total loans | $43,601,000 | 4,439 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 3,759 |
| Cost of funding earning assets | 0.2893% | 4,623 |
| Net interest margin | 3.8054% | 2,645 |
| Noninterest income to average assets | 0.1534% | 4,951 |
| Noninterest expense to average assets | 3.0265% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7750% | 3,896 |
| Return on assets (ROA) | 0.7750% | 3,897 |
| Pretax return on assets | 0.7750% | 4,234 |
| Return on Equity (ROE) | 8.8752% | 3,051 |
| Retained earnings to average equity (ytd only) | 1.9619% | 4,363 |
| Net charge-offs to loans | 0.0448% | 2,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,789 |
| Efficiency ratio | 79.6137% | 991 |
| Assets per employee ($millions) | 4.5088% | 3,152 |
| Cash dividends to net income (ytd only)* | 77.8947% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 1,847 |
| Loan loss allowance to noncurrent loans | 70.7229% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.4160% | 850 |
| Noncurrent loans to loans | 1.9024% | 725 |
| Net loans and leases to total assets | 73.4347% | 2,021 |
| Net loans and leases to deposits | 82.4895% | 2,678 |
| Net loans and leases to core deposits | 86.6806% | 2,868 |
| Total domestic deposits to total assets | 89.0231% | 847 |
| Equity capital to assets | 9.2384% | 4,380 |
| Core capital (leverage) ratio | 9.5252% | 4,089 |
| Tier 1 risk-based capital ratio | 13.3934% | 3,609 |
| Total risk-based capital ratio | 14.6445% | 3,504 |
| Memoranda: | ||
| Average total assets | $61,292,600 | 4,738 |
| Average earning assets | $58,758,600 | 4,698 |
| Average equity | $5,352,000 | 4,994 |
| Average total loans | $42,450,000 | 4,487 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 4,024 |
| Cost of funding earning assets | 0.2688% | 4,682 |
| Net interest margin | 3.7010% | 3,015 |
| Noninterest income to average assets | 0.1549% | 5,002 |
| Noninterest expense to average assets | 2.9329% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7768% | 3,983 |
| Return on assets (ROA) | 0.7768% | 3,995 |
| Pretax return on assets | 0.7768% | 4,355 |
| Return on Equity (ROE) | 9.0198% | 3,071 |
| Retained earnings to average equity (ytd only) | 2.5235% | 4,391 |
| Net charge-offs to loans | 0.0633% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 18.0472% | 2,074 |
| Efficiency ratio | 79.0603% | 1,027 |
| Assets per employee ($millions) | 4.8155% | 2,705 |
| Cash dividends to net income (ytd only)* | 72.0228% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 1,931 |
| Loan loss allowance to noncurrent loans | 68.8602% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.3594% | 991 |
| Noncurrent loans to loans | 1.9413% | 774 |
| Net loans and leases to total assets | 69.0872% | 2,788 |
| Net loans and leases to deposits | 75.6754% | 3,442 |
| Net loans and leases to core deposits | 79.1603% | 3,559 |
| Total domestic deposits to total assets | 91.2942% | 168 |
| Equity capital to assets | 8.4534% | 4,959 |
| Core capital (leverage) ratio | 9.2457% | 4,463 |
| Tier 1 risk-based capital ratio | 13.0497% | 3,878 |
| Total risk-based capital ratio | 14.3019% | 3,786 |
| Memoranda: | ||
| Average total assets | $61,962,250 | 4,771 |
| Average earning assets | $59,514,500 | 4,724 |
| Average equity | $5,336,250 | 5,056 |
| Average total loans | $42,155,000 | 4,540 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,906 |
| Cost of funding earning assets | 0.2567% | 4,717 |
| Net interest margin | 3.7013% | 2,921 |
| Noninterest income to average assets | 0.1522% | 5,061 |
| Noninterest expense to average assets | 2.9507% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7514% | 4,025 |
| Return on assets (ROA) | 0.7514% | 4,027 |
| Pretax return on assets | 0.7514% | 4,386 |
| Return on Equity (ROE) | 8.6713% | 3,187 |
| Retained earnings to average equity (ytd only) | 2.6911% | 4,174 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7025% | 1,044 |
| Assets per employee ($millions) | 5.2883% | 2,112 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,562 |
| Loan loss allowance to noncurrent loans | 3,787.5000% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,912 |
| Noncurrent loans to loans | 0.0383% | 4,742 |
| Net loans and leases to total assets | 59.9261% | 3,819 |
| Net loans and leases to deposits | 65.0786% | 4,216 |
| Net loans and leases to core deposits | 68.3421% | 4,235 |
| Total domestic deposits to total assets | 92.0827% | 83 |
| Equity capital to assets | 7.7544% | 5,305 |
| Core capital (leverage) ratio | 9.0682% | 4,625 |
| Tier 1 risk-based capital ratio | 13.1043% | 3,844 |
| Total risk-based capital ratio | 14.3563% | 3,760 |
| Memoranda: | ||
| Average total assets | $61,749,000 | 4,836 |
| Average earning assets | $59,222,330 | 4,788 |
| Average equity | $5,351,000 | 5,100 |
| Average total loans | $41,594,670 | 4,596 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,439 |
| Cost of funding earning assets | 0.2560% | 4,674 |
| Net interest margin | 3.7902% | 2,460 |
| Noninterest income to average assets | 0.1579% | 5,070 |
| Noninterest expense to average assets | 3.1932% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6249% | 4,358 |
| Return on assets (ROA) | 0.6249% | 4,368 |
| Pretax return on assets | 0.6249% | 4,630 |
| Return on Equity (ROE) | 6.7898% | 3,865 |
| Retained earnings to average equity (ytd only) | 2.3130% | 4,238 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6331% | 827 |
| Assets per employee ($millions) | 4.4987% | 3,162 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 1,483 |
| Loan loss allowance to noncurrent loans | 1,836.3636% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 4,812 |
| Noncurrent loans to loans | 0.0814% | 4,617 |
| Net loans and leases to total assets | 68.2626% | 2,733 |
| Net loans and leases to deposits | 75.2195% | 3,297 |
| Net loans and leases to core deposits | 79.7515% | 3,345 |
| Total domestic deposits to total assets | 90.7512% | 399 |
| Equity capital to assets | 9.1120% | 4,445 |
| Core capital (leverage) ratio | 9.4383% | 4,142 |
| Tier 1 risk-based capital ratio | 13.4763% | 3,666 |
| Total risk-based capital ratio | 14.7300% | 3,581 |
| Memoranda: | ||
| Average total assets | $58,249,500 | 4,962 |
| Average earning assets | $56,250,000 | 4,905 |
| Average equity | $5,361,000 | 5,157 |
| Average total loans | $41,490,000 | 4,645 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9205% | 3,655 |
| Cost of funding earning assets | 0.2614% | 4,470 |
| Net interest margin | 3.6591% | 2,956 |
| Noninterest income to average assets | 0.1512% | 5,199 |
| Noninterest expense to average assets | 2.9289% | 2,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7434% | 3,415 |
| Return on assets (ROA) | 0.7434% | 3,460 |
| Pretax return on assets | 0.7434% | 4,404 |
| Return on Equity (ROE) | 8.6861% | 2,455 |
| Retained earnings to average equity (ytd only) | 2.7342% | 3,675 |
| Net charge-offs to loans | -0.0770% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7573% | 1,128 |
| Assets per employee ($millions) | 4.1440% | 3,752 |
| Cash dividends to net income (ytd only)* | 68.5225% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 1,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 72.1284% | 2,217 |
| Net loans and leases to deposits | 79.5491% | 2,961 |
| Net loans and leases to core deposits | 83.5667% | 3,094 |
| Total domestic deposits to total assets | 90.6715% | 343 |
| Equity capital to assets | 9.2957% | 4,432 |
| Core capital (leverage) ratio | 9.1617% | 4,446 |
| Tier 1 risk-based capital ratio | 13.1146% | 3,841 |
| Total risk-based capital ratio | 14.3673% | 3,751 |
| Memoranda: | ||
| Average total assets | $62,822,400 | 4,906 |
| Average earning assets | $60,451,800 | 4,843 |
| Average equity | $5,376,400 | 5,209 |
| Average total loans | $42,864,400 | 4,648 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 3,942 |
| Cost of funding earning assets | 0.2596% | 4,485 |
| Net interest margin | 3.5591% | 3,294 |
| Noninterest income to average assets | 0.1354% | 5,330 |
| Noninterest expense to average assets | 2.8489% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7122% | 3,914 |
| Return on assets (ROA) | 0.7122% | 3,978 |
| Pretax return on assets | 0.7122% | 4,577 |
| Return on Equity (ROE) | 8.4879% | 2,887 |
| Retained earnings to average equity (ytd only) | 3.0278% | 4,106 |
| Net charge-offs to loans | -0.0993% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,105 |
| Assets per employee ($millions) | 4.3720% | 3,352 |
| Cash dividends to net income (ytd only)* | 64.3282% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.9369% | 2,565 |
| Net loans and leases to deposits | 79.1447% | 3,054 |
| Net loans and leases to core deposits | 83.0172% | 3,211 |
| Total domestic deposits to total assets | 88.3659% | 1,191 |
| Equity capital to assets | 8.9237% | 4,980 |
| Core capital (leverage) ratio | 8.6724% | 5,088 |
| Tier 1 risk-based capital ratio | 12.5440% | 4,290 |
| Total risk-based capital ratio | 13.7948% | 4,200 |
| Memoranda: | ||
| Average total assets | $64,024,000 | 4,931 |
| Average earning assets | $61,624,500 | 4,876 |
| Average equity | $5,372,250 | 5,265 |
| Average total loans | $42,967,500 | 4,690 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6907% | 4,254 |
| Cost of funding earning assets | 0.2495% | 4,544 |
| Net interest margin | 3.4412% | 3,625 |
| Noninterest income to average assets | 0.1231% | 5,433 |
| Noninterest expense to average assets | 2.7924% | 2,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6434% | 4,115 |
| Return on assets (ROA) | 0.6434% | 4,163 |
| Pretax return on assets | 0.6434% | 4,706 |
| Return on Equity (ROE) | 7.8243% | 3,137 |
| Retained earnings to average equity (ytd only) | 2.9575% | 3,954 |
| Net charge-offs to loans | -0.0420% | 5,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2724% | 1,081 |
| Assets per employee ($millions) | 5.0828% | 2,298 |
| Cash dividends to net income (ytd only)* | 62.2010% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 2,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 59.7310% | 3,869 |
| Net loans and leases to deposits | 64.7907% | 4,317 |
| Net loans and leases to core deposits | 67.3758% | 4,392 |
| Total domestic deposits to total assets | 92.1907% | 58 |
| Equity capital to assets | 7.6519% | 5,631 |
| Core capital (leverage) ratio | 8.6318% | 5,109 |
| Tier 1 risk-based capital ratio | 11.9341% | 4,673 |
| Total risk-based capital ratio | 13.1834% | 4,574 |
| Memoranda: | ||
| Average total assets | $64,962,670 | 4,953 |
| Average earning assets | $62,535,670 | 4,894 |
| Average equity | $5,342,330 | 5,304 |
| Average total loans | $42,819,330 | 4,721 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7824% | 3,821 |
| Cost of funding earning assets | 0.2419% | 4,609 |
| Net interest margin | 3.5406% | 3,118 |
| Noninterest income to average assets | 0.1293% | 5,471 |
| Noninterest expense to average assets | 3.0583% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4785% | 4,677 |
| Return on assets (ROA) | 0.4785% | 4,703 |
| Pretax return on assets | 0.4785% | 5,008 |
| Return on Equity (ROE) | 5.5944% | 4,092 |
| Retained earnings to average equity (ytd only) | 3.3264% | 3,771 |
| Net charge-offs to loans | -0.0094% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4717% | 767 |
| Assets per employee ($millions) | 4.3779% | 3,375 |
| Cash dividends to net income (ytd only)* | 40.5405% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 2,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.9277% | 2,826 |
| Net loans and leases to deposits | 75.4238% | 3,261 |
| Net loans and leases to core deposits | 79.0762% | 3,379 |
| Total domestic deposits to total assets | 88.7355% | 1,296 |
| Equity capital to assets | 8.6947% | 5,076 |
| Core capital (leverage) ratio | 8.8889% | 4,856 |
| Tier 1 risk-based capital ratio | 12.6809% | 4,276 |
| Total risk-based capital ratio | 13.9311% | 4,180 |
| Memoranda: | ||
| Average total assets | $61,864,500 | 5,077 |
| Average earning assets | $59,538,500 | 5,012 |
| Average equity | $5,291,000 | 5,360 |
| Average total loans | $42,686,000 | 4,767 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7870% | 3,955 |
| Cost of funding earning assets | 0.2490% | 4,575 |
| Net interest margin | 3.5380% | 3,295 |
| Noninterest income to average assets | 0.1626% | 5,399 |
| Noninterest expense to average assets | 2.6957% | 3,350 |
| Loan and lease loss provision to assets | 0.0852% | 2,654 |
| Net operating income to assets | 0.7695% | 3,454 |
| Return on assets (ROA) | 0.7695% | 3,552 |
| Pretax return on assets | 0.7695% | 4,272 |
| Return on Equity (ROE) | 9.4282% | 2,220 |
| Retained earnings to average equity (ytd only) | 5.6342% | 1,930 |
| Net charge-offs to loans | 0.0108% | 3,904 |
| Credit loss provision to net charge-offs | 1,100.0000% | 355 |
| Earnings coverage of net charge-offs (x) | 110.4000% | 547 |
| Efficiency ratio | 75.9267% | 1,993 |
| Assets per employee ($millions) | 4.4599% | 3,173 |
| Cash dividends to net income (ytd only)* | 40.2414% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 2,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 69.1955% | 2,597 |
| Net loans and leases to deposits | 77.6119% | 3,150 |
| Net loans and leases to core deposits | 81.3026% | 3,283 |
| Total domestic deposits to total assets | 89.1558% | 1,035 |
| Equity capital to assets | 8.4130% | 5,334 |
| Core capital (leverage) ratio | 8.5111% | 5,252 |
| Tier 1 risk-based capital ratio | 12.1205% | 4,646 |
| Total risk-based capital ratio | 13.3698% | 4,522 |
| Memoranda: | ||
| Average total assets | $64,585,000 | 5,035 |
| Average earning assets | $61,842,400 | 4,980 |
| Average equity | $5,271,400 | 5,414 |
| Average total loans | $46,211,400 | 4,684 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 4,016 |
| Cost of funding earning assets | 0.2503% | 4,599 |
| Net interest margin | 3.5205% | 3,391 |
| Noninterest income to average assets | 0.1515% | 5,513 |
| Noninterest expense to average assets | 2.6534% | 3,483 |
| Loan and lease loss provision to assets | 0.1126% | 2,046 |
| Net operating income to assets | 0.7555% | 3,583 |
| Return on assets (ROA) | 0.7555% | 3,710 |
| Pretax return on assets | 0.7555% | 4,457 |
| Return on Equity (ROE) | 9.3251% | 2,350 |
| Retained earnings to average equity (ytd only) | 6.7980% | 1,720 |
| Net charge-offs to loans | 0.0142% | 3,457 |
| Credit loss provision to net charge-offs | 1,100.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 84.7556% | 740 |
| Efficiency ratio | 75.3488% | 2,055 |
| Assets per employee ($millions) | 4.4669% | 3,135 |
| Cash dividends to net income (ytd only)* | 27.1001% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,920 |
| Loan loss allowance to noncurrent loans | 28,650.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,535 |
| Noncurrent loans to loans | 0.0044% | 5,408 |
| Net loans and leases to total assets | 67.2199% | 2,918 |
| Net loans and leases to deposits | 73.3228% | 3,661 |
| Net loans and leases to core deposits | 76.4634% | 3,793 |
| Total domestic deposits to total assets | 91.6766% | 100 |
| Equity capital to assets | 8.0965% | 5,708 |
| Core capital (leverage) ratio | 8.2909% | 5,504 |
| Tier 1 risk-based capital ratio | 11.3951% | 5,157 |
| Total risk-based capital ratio | 12.6033% | 5,080 |
| Memoranda: | ||
| Average total assets | $65,121,500 | 5,070 |
| Average earning assets | $62,337,500 | 5,015 |
| Average equity | $5,276,000 | 5,474 |
| Average total loans | $46,819,750 | 4,708 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 3,961 |
| Cost of funding earning assets | 0.2528% | 4,631 |
| Net interest margin | 3.5451% | 3,308 |
| Noninterest income to average assets | 0.1426% | 5,598 |
| Noninterest expense to average assets | 2.6731% | 3,476 |
| Loan and lease loss provision to assets | 0.1706% | 1,298 |
| Net operating income to assets | 0.6915% | 3,835 |
| Return on assets (ROA) | 0.6915% | 3,985 |
| Pretax return on assets | 0.6915% | 4,647 |
| Return on Equity (ROE) | 8.5337% | 2,730 |
| Retained earnings to average equity (ytd only) | 4.7069% | 2,917 |
| Net charge-offs to loans | 0.0169% | 3,174 |
| Credit loss provision to net charge-offs | 1,375.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 778 |
| Efficiency ratio | 75.6140% | 2,128 |
| Assets per employee ($millions) | 4.6617% | 2,778 |
| Cash dividends to net income (ytd only)* | 44.8430% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,971 |
| Loan loss allowance to noncurrent loans | 352.1472% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 4,558 |
| Noncurrent loans to loans | 0.3599% | 4,079 |
| Net loans and leases to total assets | 63.9405% | 3,369 |
| Net loans and leases to deposits | 69.2775% | 4,055 |
| Net loans and leases to core deposits | 72.0913% | 4,169 |
| Total domestic deposits to total assets | 92.2961% | 68 |
| Equity capital to assets | 7.5551% | 5,904 |
| Core capital (leverage) ratio | 8.0417% | 5,705 |
| Tier 1 risk-based capital ratio | 11.0634% | 5,390 |
| Total risk-based capital ratio | 12.2710% | 5,332 |
| Memoranda: | ||
| Average total assets | $64,494,000 | 5,133 |
| Average earning assets | $61,718,670 | 5,075 |
| Average equity | $5,226,330 | 5,539 |
| Average total loans | $47,222,000 | 4,731 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 3,163 |
| Cost of funding earning assets | 0.2786% | 4,409 |
| Net interest margin | 3.7378% | 2,530 |
| Noninterest income to average assets | 0.1424% | 5,631 |
| Noninterest expense to average assets | 2.8878% | 2,743 |
| Loan and lease loss provision to assets | 0.3561% | 419 |
| Net operating income to assets | 0.4597% | 4,784 |
| Return on assets (ROA) | 0.4597% | 4,868 |
| Pretax return on assets | 0.4597% | 5,187 |
| Return on Equity (ROE) | 5.4636% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.4636% | 2,678 |
| Net charge-offs to loans | 0.0498% | 2,046 |
| Credit loss provision to net charge-offs | 916.6667% | 394 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,443 |
| Efficiency ratio | 77.9720% | 1,902 |
| Assets per employee ($millions) | 4.0547% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 3,370 |
| Loan loss allowance to noncurrent loans | 1,845.1613% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 5,416 |
| Noncurrent loans to loans | 0.0661% | 5,211 |
| Net loans and leases to total assets | 76.2249% | 1,360 |
| Net loans and leases to deposits | 83.4819% | 2,369 |
| Net loans and leases to core deposits | 87.4404% | 2,620 |
| Total domestic deposits to total assets | 91.3071% | 197 |
| Equity capital to assets | 8.5959% | 5,498 |
| Core capital (leverage) ratio | 8.4781% | 5,414 |
| Tier 1 risk-based capital ratio | 11.3712% | 5,296 |
| Total risk-based capital ratio | 12.6204% | 5,203 |
| Memoranda: | ||
| Average total assets | $61,778,000 | 5,247 |
| Average earning assets | $58,858,000 | 5,191 |
| Average equity | $5,198,000 | 5,583 |
| Average total loans | $48,190,500 | 4,733 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,572 |
| Cost of funding earning assets | 0.3059% | 4,183 |
| Net interest margin | 3.6321% | 3,006 |
| Noninterest income to average assets | 0.1636% | 5,602 |
| Noninterest expense to average assets | 2.7119% | 3,540 |
| Loan and lease loss provision to assets | 0.6405% | 159 |
| Net operating income to assets | 0.2747% | 5,428 |
| Return on assets (ROA) | 0.2747% | 5,506 |
| Pretax return on assets | 0.2747% | 5,577 |
| Return on Equity (ROE) | 3.2843% | 5,199 |
| Retained earnings to average equity (ytd only) | -4.3544% | 5,882 |
| Net charge-offs to loans | 0.7914% | 282 |
| Credit loss provision to net charge-offs | 106.1381% | 2,369 |
| Earnings coverage of net charge-offs (x) | 1.5166% | 4,071 |
| Efficiency ratio | 74.7660% | 2,462 |
| Assets per employee ($millions) | 4.8258% | 2,567 |
| Cash dividends to net income (ytd only)* | 232.5843% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 4,262 |
| Loan loss allowance to noncurrent loans | 38.0261% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 769 |
| Noncurrent loans to loans | 2.7867% | 620 |
| Net loans and leases to total assets | 77.9855% | 1,122 |
| Net loans and leases to deposits | 89.0420% | 1,740 |
| Net loans and leases to core deposits | 93.3398% | 2,104 |
| Total domestic deposits to total assets | 87.5829% | 1,854 |
| Equity capital to assets | 8.2377% | 5,743 |
| Core capital (leverage) ratio | 8.2991% | 5,606 |
| Tier 1 risk-based capital ratio | 10.4690% | 5,788 |
| Total risk-based capital ratio | 11.5371% | 5,794 |
| Memoranda: | ||
| Average total assets | $64,788,800 | 5,204 |
| Average earning assets | $61,781,800 | 5,132 |
| Average equity | $5,419,800 | 5,557 |
| Average total loans | $49,408,200 | 4,689 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 3,608 |
| Cost of funding earning assets | 0.2946% | 4,399 |
| Net interest margin | 3.6402% | 2,995 |
| Noninterest income to average assets | 0.1552% | 5,713 |
| Noninterest expense to average assets | 2.5889% | 3,917 |
| Loan and lease loss provision to assets | 0.0510% | 3,184 |
| Net operating income to assets | 0.9964% | 2,489 |
| Return on assets (ROA) | 0.9964% | 2,577 |
| Pretax return on assets | 0.9964% | 3,631 |
| Return on Equity (ROE) | 11.8672% | 1,409 |
| Retained earnings to average equity (ytd only) | 3.1371% | 4,225 |
| Net charge-offs to loans | 0.0540% | 2,831 |
| Credit loss provision to net charge-offs | 125.0000% | 1,923 |
| Earnings coverage of net charge-offs (x) | 25.6460% | 1,655 |
| Efficiency ratio | 71.1960% | 3,013 |
| Assets per employee ($millions) | 4.8197% | 2,531 |
| Cash dividends to net income (ytd only)* | 73.5649% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 4,516 |
| Loan loss allowance to noncurrent loans | 151.6517% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 3,716 |
| Noncurrent loans to loans | 0.6866% | 3,262 |
| Net loans and leases to total assets | 76.5960% | 1,305 |
| Net loans and leases to deposits | 89.8104% | 1,675 |
| Net loans and leases to core deposits | 94.2665% | 2,050 |
| Total domestic deposits to total assets | 85.2863% | 2,890 |
| Equity capital to assets | 8.8515% | 5,439 |
| Core capital (leverage) ratio | 8.5668% | 5,497 |
| Tier 1 risk-based capital ratio | 11.1584% | 5,569 |
| Total risk-based capital ratio | 12.1826% | 5,602 |
| Memoranda: | ||
| Average total assets | $65,302,000 | 5,258 |
| Average earning assets | $62,449,750 | 5,183 |
| Average equity | $5,482,750 | 5,616 |
| Average total loans | $49,398,000 | 4,741 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 3,637 |
| Cost of funding earning assets | 0.2911% | 4,493 |
| Net interest margin | 3.6227% | 3,004 |
| Noninterest income to average assets | 0.1632% | 5,729 |
| Noninterest expense to average assets | 2.4900% | 4,272 |
| Loan and lease loss provision to assets | 0.0302% | 3,524 |
| Net operating income to assets | 1.1030% | 1,944 |
| Return on assets (ROA) | 1.1030% | 2,031 |
| Pretax return on assets | 1.1030% | 3,164 |
| Return on Equity (ROE) | 13.3659% | 1,044 |
| Retained earnings to average equity (ytd only) | 2.6366% | 4,380 |
| Net charge-offs to loans | 0.0080% | 3,618 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 187.5000% | 363 |
| Efficiency ratio | 68.7239% | 3,550 |
| Assets per employee ($millions) | 5.4347% | 1,805 |
| Cash dividends to net income (ytd only)* | 80.2740% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 4,747 |
| Loan loss allowance to noncurrent loans | 102.8340% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 3,302 |
| Noncurrent loans to loans | 0.9954% | 2,652 |
| Net loans and leases to total assets | 69.5248% | 2,400 |
| Net loans and leases to deposits | 79.8089% | 2,815 |
| Net loans and leases to core deposits | 83.5744% | 3,025 |
| Total domestic deposits to total assets | 87.1141% | 2,103 |
| Equity capital to assets | 7.7763% | 6,052 |
| Core capital (leverage) ratio | 8.2467% | 5,748 |
| Tier 1 risk-based capital ratio | 10.5277% | 5,911 |
| Total risk-based capital ratio | 11.5101% | 5,952 |
| Memoranda: | ||
| Average total assets | $66,184,000 | 5,296 |
| Average earning assets | $63,213,330 | 5,218 |
| Average equity | $5,461,670 | 5,672 |
| Average total loans | $49,698,330 | 4,760 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 2,951 |
| Cost of funding earning assets | 0.3010% | 4,429 |
| Net interest margin | 3.7692% | 2,356 |
| Noninterest income to average assets | 0.1689% | 5,708 |
| Noninterest expense to average assets | 2.6708% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1009% | 1,868 |
| Return on assets (ROA) | 1.1009% | 1,974 |
| Pretax return on assets | 1.1009% | 3,074 |
| Return on Equity (ROE) | 12.9281% | 1,113 |
| Retained earnings to average equity (ytd only) | 1.9098% | 4,710 |
| Net charge-offs to loans | -0.0322% | 5,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8126% | 3,351 |
| Assets per employee ($millions) | 4.8853% | 2,511 |
| Cash dividends to net income (ytd only)* | 85.2273% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,892 |
| Loan loss allowance to noncurrent loans | 384.7328% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 5,030 |
| Noncurrent loans to loans | 0.2667% | 4,822 |
| Net loans and leases to total assets | 76.5498% | 1,129 |
| Net loans and leases to deposits | 89.2282% | 1,476 |
| Net loans and leases to core deposits | 94.0385% | 1,766 |
| Total domestic deposits to total assets | 85.7910% | 3,045 |
| Equity capital to assets | 8.5956% | 5,668 |
| Core capital (leverage) ratio | 8.4043% | 5,625 |
| Tier 1 risk-based capital ratio | 10.9046% | 5,847 |
| Total risk-based capital ratio | 11.9228% | 5,872 |
| Memoranda: | ||
| Average total assets | $63,950,500 | 5,397 |
| Average earning assets | $61,126,500 | 5,323 |
| Average equity | $5,445,500 | 5,727 |
| Average total loans | $49,733,500 | 4,792 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 3,407 |
| Cost of funding earning assets | 0.2615% | 5,207 |
| Net interest margin | 3.8168% | 2,563 |
| Noninterest income to average assets | 0.1715% | 5,831 |
| Noninterest expense to average assets | 2.7147% | 3,816 |
| Loan and lease loss provision to assets | 0.2484% | 924 |
| Net operating income to assets | 0.8574% | 3,079 |
| Return on assets (ROA) | 0.8574% | 3,177 |
| Pretax return on assets | 0.8574% | 4,044 |
| Return on Equity (ROE) | 9.8946% | 2,166 |
| Retained earnings to average equity (ytd only) | 2.0714% | 4,745 |
| Net charge-offs to loans | 0.2398% | 1,767 |
| Credit loss provision to net charge-offs | 139.6396% | 1,701 |
| Earnings coverage of net charge-offs (x) | 6.2162% | 3,247 |
| Efficiency ratio | 71.0570% | 3,363 |
| Assets per employee ($millions) | 4.9532% | 2,381 |
| Cash dividends to net income (ytd only)* | 79.0654% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 5,097 |
| Loan loss allowance to noncurrent loans | 381.6794% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 5,132 |
| Noncurrent loans to loans | 0.2602% | 4,909 |
| Net loans and leases to total assets | 77.4118% | 1,087 |
| Net loans and leases to deposits | 89.9068% | 1,526 |
| Net loans and leases to core deposits | 94.6618% | 1,854 |
| Total domestic deposits to total assets | 86.1023% | 2,779 |
| Equity capital to assets | 8.4358% | 5,803 |
| Core capital (leverage) ratio | 8.1702% | 5,873 |
| Tier 1 risk-based capital ratio | 10.7610% | 6,007 |
| Total risk-based capital ratio | 11.7626% | 6,039 |
| Memoranda: | ||
| Average total assets | $62,400,600 | 5,488 |
| Average earning assets | $59,657,600 | 5,399 |
| Average equity | $5,407,000 | 5,764 |
| Average total loans | $46,283,600 | 4,941 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,747 |
| Cost of funding earning assets | 0.2539% | 5,370 |
| Net interest margin | 3.7486% | 2,822 |
| Noninterest income to average assets | 0.1745% | 5,874 |
| Noninterest expense to average assets | 2.6665% | 3,957 |
| Loan and lease loss provision to assets | 0.3123% | 609 |
| Net operating income to assets | 0.7883% | 3,474 |
| Return on assets (ROA) | 0.7883% | 3,581 |
| Pretax return on assets | 0.7883% | 4,402 |
| Return on Equity (ROE) | 9.0356% | 2,662 |
| Retained earnings to average equity (ytd only) | 2.5428% | 4,774 |
| Net charge-offs to loans | 0.3417% | 1,174 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | 4.4053% | 3,468 |
| Efficiency ratio | 70.7833% | 3,373 |
| Assets per employee ($millions) | 4.9284% | 2,334 |
| Cash dividends to net income (ytd only)* | 71.8580% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 5,365 |
| Loan loss allowance to noncurrent loans | 151.5625% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 4,321 |
| Noncurrent loans to loans | 0.6372% | 4,020 |
| Net loans and leases to total assets | 77.6288% | 1,000 |
| Net loans and leases to deposits | 88.0844% | 1,663 |
| Net loans and leases to core deposits | 92.6459% | 1,984 |
| Total domestic deposits to total assets | 88.1300% | 1,701 |
| Equity capital to assets | 8.4737% | 5,816 |
| Core capital (leverage) ratio | 8.4510% | 5,707 |
| Tier 1 risk-based capital ratio | 10.8248% | 6,081 |
| Total risk-based capital ratio | 11.8035% | 6,138 |
| Memoranda: | ||
| Average total assets | $61,902,750 | 5,566 |
| Average earning assets | $59,326,750 | 5,470 |
| Average equity | $5,400,750 | 5,824 |
| Average total loans | $45,267,750 | 5,038 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9397% | 3,975 |
| Cost of funding earning assets | 0.2526% | 5,458 |
| Net interest margin | 3.6871% | 3,010 |
| Noninterest income to average assets | 0.1733% | 5,912 |
| Noninterest expense to average assets | 2.6740% | 3,964 |
| Loan and lease loss provision to assets | 0.3923% | 425 |
| Net operating income to assets | 0.6375% | 4,165 |
| Return on assets (ROA) | 0.6375% | 4,271 |
| Pretax return on assets | 0.6375% | 4,825 |
| Return on Equity (ROE) | 7.2338% | 3,494 |
| Retained earnings to average equity (ytd only) | 2.4113% | 4,674 |
| Net charge-offs to loans | 0.5182% | 784 |
| Credit loss provision to net charge-offs | 106.1947% | 1,886 |
| Earnings coverage of net charge-offs (x) | 2.7876% | 3,465 |
| Efficiency ratio | 72.1977% | 3,292 |
| Assets per employee ($millions) | 4.7284% | 2,572 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 5,399 |
| Loan loss allowance to noncurrent loans | 110.5012% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 4,034 |
| Noncurrent loans to loans | 0.8955% | 3,463 |
| Net loans and leases to total assets | 69.9840% | 2,089 |
| Net loans and leases to deposits | 76.3204% | 3,016 |
| Net loans and leases to core deposits | 79.2446% | 3,295 |
| Total domestic deposits to total assets | 91.6976% | 220 |
| Equity capital to assets | 8.1422% | 6,068 |
| Core capital (leverage) ratio | 8.7159% | 5,376 |
| Tier 1 risk-based capital ratio | 11.5954% | 5,747 |
| Total risk-based capital ratio | 12.6049% | 5,824 |
| Memoranda: | ||
| Average total assets | $61,180,670 | 5,631 |
| Average earning assets | $58,583,000 | 5,544 |
| Average equity | $5,391,330 | 5,865 |
| Average total loans | $43,616,670 | 5,143 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 3,812 |
| Cost of funding earning assets | 0.2642% | 5,451 |
| Net interest margin | 3.7059% | 2,842 |
| Noninterest income to average assets | 0.1636% | 5,997 |
| Noninterest expense to average assets | 2.9316% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7704% | 3,306 |
| Return on assets (ROA) | 0.7704% | 3,389 |
| Pretax return on assets | 0.7704% | 4,227 |
| Return on Equity (ROE) | 8.3828% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.3828% | 1,461 |
| Net charge-offs to loans | -0.0286% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1897% | 2,309 |
| Assets per employee ($millions) | 4.2014% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 5,156 |
| Loan loss allowance to noncurrent loans | 80.2448% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9946% | 3,279 |
| Noncurrent loans to loans | 1.3604% | 2,764 |
| Net loans and leases to total assets | 70.7033% | 1,774 |
| Net loans and leases to deposits | 78.0127% | 2,554 |
| Net loans and leases to core deposits | 81.4282% | 2,804 |
| Total domestic deposits to total assets | 90.6306% | 724 |
| Equity capital to assets | 9.2487% | 4,814 |
| Core capital (leverage) ratio | 9.2925% | 4,585 |
| Tier 1 risk-based capital ratio | 13.0250% | 4,991 |
| Total risk-based capital ratio | 14.1394% | 5,010 |
| Memoranda: | ||
| Average total assets | $58,672,000 | 5,749 |
| Average earning assets | $56,019,500 | 5,665 |
| Average equity | $5,392,000 | 5,900 |
| Average total loans | $42,029,500 | 5,237 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 4,481 |
| Cost of funding earning assets | 0.3077% | 5,536 |
| Net interest margin | 3.5867% | 3,516 |
| Noninterest income to average assets | 0.4098% | 4,373 |
| Noninterest expense to average assets | 2.6428% | 4,306 |
| Loan and lease loss provision to assets | 0.9352% | 202 |
| Net operating income to assets | 0.2635% | 5,644 |
| Return on assets (ROA) | 0.3513% | 5,441 |
| Pretax return on assets | 0.3513% | 5,603 |
| Return on Equity (ROE) | 3.9645% | 5,128 |
| Retained earnings to average equity (ytd only) | 1.5784% | 5,098 |
| Net charge-offs to loans | 1.3761% | 356 |
| Credit loss provision to net charge-offs | 100.3490% | 2,410 |
| Earnings coverage of net charge-offs (x) | 1.2862% | 4,635 |
| Efficiency ratio | 68.7976% | 4,052 |
| Assets per employee ($millions) | 4.1804% | 3,485 |
| Cash dividends to net income (ytd only)* | 60.1852% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 5,232 |
| Loan loss allowance to noncurrent loans | 67.0103% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 3,034 |
| Noncurrent loans to loans | 1.6162% | 2,481 |
| Net loans and leases to total assets | 71.0090% | 1,836 |
| Net loans and leases to deposits | 78.1694% | 2,700 |
| Net loans and leases to core deposits | 81.1965% | 2,988 |
| Total domestic deposits to total assets | 90.8398% | 644 |
| Equity capital to assets | 9.1311% | 4,887 |
| Core capital (leverage) ratio | 8.8423% | 5,227 |
| Tier 1 risk-based capital ratio | 12.3428% | 5,400 |
| Total risk-based capital ratio | 13.4105% | 5,451 |
| Memoranda: | ||
| Average total assets | $61,486,800 | 5,715 |
| Average earning assets | $58,828,600 | 5,629 |
| Average equity | $5,448,400 | 5,947 |
| Average total loans | $41,638,400 | 5,278 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8419% | 4,690 |
| Cost of funding earning assets | 0.3172% | 5,580 |
| Net interest margin | 3.5248% | 3,778 |
| Noninterest income to average assets | 0.4671% | 4,020 |
| Noninterest expense to average assets | 2.5861% | 4,439 |
| Loan and lease loss provision to assets | 1.0713% | 146 |
| Net operating income to assets | 0.1907% | 5,936 |
| Return on assets (ROA) | 0.3064% | 5,711 |
| Pretax return on assets | 0.3064% | 5,862 |
| Return on Equity (ROE) | 3.4827% | 5,440 |
| Retained earnings to average equity (ytd only) | 1.6560% | 5,314 |
| Net charge-offs to loans | 1.6015% | 270 |
| Credit loss provision to net charge-offs | 100.2004% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.1803% | 4,451 |
| Efficiency ratio | 67.2049% | 4,263 |
| Assets per employee ($millions) | 4.2641% | 3,299 |
| Cash dividends to net income (ytd only)* | 52.4494% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 5,307 |
| Loan loss allowance to noncurrent loans | 68.6275% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.1324% | 3,389 |
| Noncurrent loans to loans | 1.6100% | 2,758 |
| Net loans and leases to total assets | 68.2200% | 2,260 |
| Net loans and leases to deposits | 75.1222% | 3,071 |
| Net loans and leases to core deposits | 78.3554% | 3,314 |
| Total domestic deposits to total assets | 90.8121% | 609 |
| Equity capital to assets | 8.9366% | 5,260 |
| Core capital (leverage) ratio | 8.4932% | 5,777 |
| Tier 1 risk-based capital ratio | 12.6888% | 5,335 |
| Total risk-based capital ratio | 13.7902% | 5,379 |
| Memoranda: | ||
| Average total assets | $62,227,250 | 5,757 |
| Average earning assets | $59,690,750 | 5,658 |
| Average equity | $5,474,500 | 6,010 |
| Average total loans | $41,544,750 | 5,333 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,922 |
| Cost of funding earning assets | 0.3269% | 5,594 |
| Net interest margin | 3.4442% | 4,023 |
| Noninterest income to average assets | 0.5962% | 3,221 |
| Noninterest expense to average assets | 2.4861% | 4,786 |
| Loan and lease loss provision to assets | 0.1586% | 2,343 |
| Net operating income to assets | 1.2589% | 1,436 |
| Return on assets (ROA) | 1.2589% | 1,530 |
| Pretax return on assets | 1.2589% | 2,455 |
| Return on Equity (ROE) | 14.3815% | 931 |
| Retained earnings to average equity (ytd only) | 12.0268% | 488 |
| Net charge-offs to loans | 0.2160% | 2,466 |
| Credit loss provision to net charge-offs | 111.1111% | 1,994 |
| Earnings coverage of net charge-offs (x) | 9.9333% | 2,216 |
| Efficiency ratio | 63.6881% | 4,913 |
| Assets per employee ($millions) | 4.8161% | 2,348 |
| Cash dividends to net income (ytd only)* | 16.3728% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 5,327 |
| Loan loss allowance to noncurrent loans | 40.8000% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 1.6878% | 2,579 |
| Noncurrent loans to loans | 2.7654% | 1,643 |
| Net loans and leases to total assets | 59.6535% | 3,718 |
| Net loans and leases to deposits | 65.2361% | 4,353 |
| Net loans and leases to core deposits | 67.6876% | 4,532 |
| Total domestic deposits to total assets | 91.4425% | 401 |
| Equity capital to assets | 8.3988% | 5,871 |
| Core capital (leverage) ratio | 8.8287% | 5,249 |
| Tier 1 risk-based capital ratio | 13.3891% | 4,847 |
| Total risk-based capital ratio | 14.5053% | 4,894 |
| Memoranda: | ||
| Average total assets | $63,070,330 | 5,775 |
| Average earning assets | $60,566,000 | 5,674 |
| Average equity | $5,521,000 | 6,035 |
| Average total loans | $41,666,000 | 5,347 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 3,728 |
| Cost of funding earning assets | 0.3634% | 5,426 |
| Net interest margin | 3.7365% | 2,712 |
| Noninterest income to average assets | 0.1577% | 6,318 |
| Noninterest expense to average assets | 2.4831% | 4,816 |
| Loan and lease loss provision to assets | 0.3284% | 1,024 |
| Net operating income to assets | 0.9262% | 2,540 |
| Return on assets (ROA) | 0.9262% | 2,680 |
| Pretax return on assets | 0.9262% | 3,667 |
| Return on Equity (ROE) | 10.3486% | 1,932 |
| Retained earnings to average equity (ytd only) | 9.6147% | 1,211 |
| Net charge-offs to loans | 0.4080% | 1,431 |
| Credit loss provision to net charge-offs | 116.2791% | 1,631 |
| Earnings coverage of net charge-offs (x) | 4.4419% | 2,556 |
| Efficiency ratio | 66.4323% | 4,587 |
| Assets per employee ($millions) | 4.2957% | 3,346 |
| Cash dividends to net income (ytd only)* | 7.0922% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 5,430 |
| Loan loss allowance to noncurrent loans | 569.1358% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 6,122 |
| Noncurrent loans to loans | 0.2012% | 5,896 |
| Net loans and leases to total assets | 66.1723% | 2,342 |
| Net loans and leases to deposits | 72.9292% | 3,062 |
| Net loans and leases to core deposits | 75.8554% | 3,342 |
| Total domestic deposits to total assets | 90.7350% | 652 |
| Equity capital to assets | 9.1586% | 5,300 |
| Core capital (leverage) ratio | 8.5905% | 5,455 |
| Tier 1 risk-based capital ratio | 13.1207% | 5,128 |
| Total risk-based capital ratio | 14.2606% | 5,158 |
| Memoranda: | ||
| Average total assets | $60,892,500 | 5,890 |
| Average earning assets | $58,344,000 | 5,793 |
| Average equity | $5,450,000 | 6,116 |
| Average total loans | $42,158,500 | 5,371 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 4,804 |
| Cost of funding earning assets | 0.5043% | 5,187 |
| Net interest margin | 3.6367% | 3,934 |
| Noninterest income to average assets | 0.1733% | 6,164 |
| Noninterest expense to average assets | 2.4652% | 5,207 |
| Loan and lease loss provision to assets | 0.1238% | 4,070 |
| Net operating income to assets | 1.0214% | 2,247 |
| Return on assets (ROA) | 1.0229% | 2,452 |
| Pretax return on assets | 1.0229% | 3,461 |
| Return on Equity (ROE) | 12.3797% | 1,394 |
| Retained earnings to average equity (ytd only) | 2.0789% | 4,763 |
| Net charge-offs to loans | 0.1045% | 4,622 |
| Credit loss provision to net charge-offs | 177.7778% | 1,479 |
| Earnings coverage of net charge-offs (x) | 16.4444% | 1,578 |
| Efficiency ratio | 68.2812% | 4,091 |
| Assets per employee ($millions) | 4.4032% | 3,138 |
| Cash dividends to net income (ytd only)* | 83.2073% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 5,853 |
| Loan loss allowance to noncurrent loans | 343.9394% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 6,025 |
| Noncurrent loans to loans | 0.2996% | 5,729 |
| Net loans and leases to total assets | 70.7373% | 1,697 |
| Net loans and leases to deposits | 81.3044% | 2,106 |
| Net loans and leases to core deposits | 84.6225% | 2,475 |
| Total domestic deposits to total assets | 87.0030% | 2,846 |
| Equity capital to assets | 8.7469% | 5,802 |
| Core capital (leverage) ratio | 8.1065% | 6,083 |
| Tier 1 risk-based capital ratio | 11.6752% | 5,973 |
| Total risk-based capital ratio | 12.6997% | 6,101 |
| Memoranda: | ||
| Average total assets | $64,619,400 | 5,796 |
| Average earning assets | $61,072,600 | 5,704 |
| Average equity | $5,339,400 | 6,197 |
| Average total loans | $43,077,600 | 5,373 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 5,150 |
| Cost of funding earning assets | 0.5251% | 5,273 |
| Net interest margin | 3.5847% | 4,297 |
| Noninterest income to average assets | 0.1550% | 6,374 |
| Noninterest expense to average assets | 2.4009% | 5,397 |
| Loan and lease loss provision to assets | 0.1020% | 4,303 |
| Net operating income to assets | 1.0362% | 2,334 |
| Return on assets (ROA) | 1.0362% | 2,557 |
| Pretax return on assets | 1.0362% | 3,580 |
| Return on Equity (ROE) | 12.7166% | 1,407 |
| Retained earnings to average equity (ytd only) | 2.3281% | 5,173 |
| Net charge-offs to loans | 0.0529% | 4,913 |
| Credit loss provision to net charge-offs | 294.1176% | 921 |
| Earnings coverage of net charge-offs (x) | 32.8178% | 1,017 |
| Efficiency ratio | 67.8386% | 4,101 |
| Assets per employee ($millions) | 4.9837% | 2,212 |
| Cash dividends to net income (ytd only)* | 81.6926% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 5,924 |
| Loan loss allowance to noncurrent loans | 287.8981% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 6,141 |
| Noncurrent loans to loans | 0.3625% | 5,753 |
| Net loans and leases to total assets | 61.4244% | 3,492 |
| Net loans and leases to deposits | 69.5482% | 3,960 |
| Net loans and leases to core deposits | 72.0044% | 4,251 |
| Total domestic deposits to total assets | 88.3191% | 1,831 |
| Equity capital to assets | 7.7237% | 6,704 |
| Core capital (leverage) ratio | 8.0929% | 6,236 |
| Tier 1 risk-based capital ratio | 11.6959% | 6,119 |
| Total risk-based capital ratio | 12.7212% | 6,212 |
| Memoranda: | ||
| Average total assets | $65,363,000 | 5,834 |
| Average earning assets | $61,704,250 | 5,745 |
| Average equity | $5,326,250 | 6,267 |
| Average total loans | $42,832,000 | 5,453 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 5,016 |
| Cost of funding earning assets | 0.5551% | 5,267 |
| Net interest margin | 3.6280% | 4,148 |
| Noninterest income to average assets | 0.1565% | 6,411 |
| Noninterest expense to average assets | 2.5230% | 5,062 |
| Loan and lease loss provision to assets | 0.0783% | 4,631 |
| Net operating income to assets | 0.9923% | 2,498 |
| Return on assets (ROA) | 0.9923% | 2,723 |
| Pretax return on assets | 0.9923% | 3,735 |
| Return on Equity (ROE) | 11.9502% | 1,681 |
| Retained earnings to average equity (ytd only) | 1.9603% | 5,216 |
| Net charge-offs to loans | 0.0984% | 4,185 |
| Credit loss provision to net charge-offs | 119.0476% | 2,310 |
| Earnings coverage of net charge-offs (x) | 16.2857% | 1,600 |
| Efficiency ratio | 70.2091% | 3,732 |
| Assets per employee ($millions) | 4.8832% | 2,312 |
| Cash dividends to net income (ytd only)* | 83.5962% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 6,134 |
| Loan loss allowance to noncurrent loans | 269.4268% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 6,197 |
| Noncurrent loans to loans | 0.3734% | 5,794 |
| Net loans and leases to total assets | 60.8864% | 3,644 |
| Net loans and leases to deposits | 69.0047% | 4,038 |
| Net loans and leases to core deposits | 71.4924% | 4,355 |
| Total domestic deposits to total assets | 88.2352% | 2,000 |
| Equity capital to assets | 7.8022% | 6,675 |
| Core capital (leverage) ratio | 7.9713% | 6,303 |
| Tier 1 risk-based capital ratio | 12.1131% | 5,858 |
| Total risk-based capital ratio | 13.1148% | 5,988 |
| Memoranda: | ||
| Average total assets | $63,893,330 | 5,919 |
| Average earning assets | $60,529,670 | 5,816 |
| Average equity | $5,305,330 | 6,300 |
| Average total loans | $42,673,000 | 5,480 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 4,339 |
| Cost of funding earning assets | 0.6107% | 5,049 |
| Net interest margin | 3.7890% | 3,442 |
| Noninterest income to average assets | 0.1557% | 6,463 |
| Noninterest expense to average assets | 2.6080% | 4,789 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0899% | 2,140 |
| Return on assets (ROA) | 1.0899% | 2,322 |
| Pretax return on assets | 1.0899% | 3,365 |
| Return on Equity (ROE) | 12.7008% | 1,492 |
| Retained earnings to average equity (ytd only) | 2.1168% | 5,209 |
| Net charge-offs to loans | -0.0651% | 6,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5263% | 3,713 |
| Assets per employee ($millions) | 4.4119% | 3,173 |
| Cash dividends to net income (ytd only)* | 83.3333% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 6,126 |
| Loan loss allowance to noncurrent loans | 373.6842% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 6,421 |
| Noncurrent loans to loans | 0.2778% | 6,126 |
| Net loans and leases to total assets | 65.7595% | 2,507 |
| Net loans and leases to deposits | 75.5075% | 2,887 |
| Net loans and leases to core deposits | 79.0414% | 3,176 |
| Total domestic deposits to total assets | 87.0900% | 2,908 |
| Equity capital to assets | 8.5727% | 6,017 |
| Core capital (leverage) ratio | 8.1468% | 6,098 |
| Tier 1 risk-based capital ratio | 12.2938% | 5,761 |
| Total risk-based capital ratio | 13.3225% | 5,888 |
| Memoranda: | ||
| Average total assets | $61,657,500 | 6,017 |
| Average earning assets | $57,641,000 | 5,951 |
| Average equity | $5,291,000 | 6,338 |
| Average total loans | $42,985,500 | 5,506 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7878% | 3,868 |
| Cost of funding earning assets | 0.7844% | 4,977 |
| Net interest margin | 4.0035% | 2,859 |
| Noninterest income to average assets | 0.0526% | 6,821 |
| Noninterest expense to average assets | 2.6520% | 4,914 |
| Loan and lease loss provision to assets | 0.2055% | 4,130 |
| Net operating income to assets | 0.9799% | 2,285 |
| Return on assets (ROA) | 0.9815% | 2,410 |
| Pretax return on assets | 0.9815% | 3,312 |
| Return on Equity (ROE) | 12.0606% | 1,388 |
| Retained earnings to average equity (ytd only) | 1.3535% | 5,215 |
| Net charge-offs to loans | 0.2671% | 4,098 |
| Credit loss provision to net charge-offs | 111.6071% | 2,978 |
| Earnings coverage of net charge-offs (x) | 6.4375% | 2,520 |
| Efficiency ratio | 69.1088% | 4,129 |
| Assets per employee ($millions) | 4.3964% | 3,070 |
| Cash dividends to net income (ytd only)* | 88.7772% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 6,454 |
| Loan loss allowance to noncurrent loans | 566.2162% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 6,656 |
| Noncurrent loans to loans | 0.1647% | 6,423 |
| Net loans and leases to total assets | 72.3147% | 1,591 |
| Net loans and leases to deposits | 82.9865% | 2,068 |
| Net loans and leases to core deposits | 86.8740% | 2,518 |
| Total domestic deposits to total assets | 87.1403% | 2,678 |
| Equity capital to assets | 8.5899% | 6,026 |
| Core capital (leverage) ratio | 8.2173% | 5,963 |
| Tier 1 risk-based capital ratio | 11.3039% | 6,288 |
| Total risk-based capital ratio | 12.2393% | 6,442 |
| Memoranda: | ||
| Average total assets | $60,822,600 | 6,011 |
| Average earning assets | $57,499,800 | 5,942 |
| Average equity | $4,950,000 | 6,461 |
| Average total loans | $41,935,800 | 5,601 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 4,037 |
| Cost of funding earning assets | 0.8173% | 5,033 |
| Net interest margin | 3.9773% | 3,018 |
| Noninterest income to average assets | 0.1055% | 6,722 |
| Noninterest expense to average assets | 2.6076% | 5,053 |
| Loan and lease loss provision to assets | 0.2528% | 3,481 |
| Net operating income to assets | 1.0114% | 2,280 |
| Return on assets (ROA) | 1.0114% | 2,435 |
| Pretax return on assets | 1.0114% | 3,361 |
| Return on Equity (ROE) | 12.6048% | 1,386 |
| Retained earnings to average equity (ytd only) | 1.9181% | 5,179 |
| Net charge-offs to loans | 0.3658% | 3,262 |
| Credit loss provision to net charge-offs | 101.7699% | 3,291 |
| Earnings coverage of net charge-offs (x) | 5.0886% | 2,879 |
| Efficiency ratio | 67.3481% | 4,456 |
| Assets per employee ($millions) | 4.2951% | 3,283 |
| Cash dividends to net income (ytd only)* | 84.7828% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 6,370 |
| Loan loss allowance to noncurrent loans | 544.0000% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 6,417 |
| Noncurrent loans to loans | 0.1793% | 6,515 |
| Net loans and leases to total assets | 68.8663% | 2,300 |
| Net loans and leases to deposits | 79.1173% | 2,791 |
| Net loans and leases to core deposits | 82.9112% | 3,202 |
| Total domestic deposits to total assets | 87.0433% | 2,627 |
| Equity capital to assets | 8.3534% | 6,439 |
| Core capital (leverage) ratio | 7.6077% | 6,692 |
| Tier 1 risk-based capital ratio | 11.1896% | 6,436 |
| Total risk-based capital ratio | 12.1473% | 6,585 |
| Memoranda: | ||
| Average total assets | $60,641,000 | 6,066 |
| Average earning assets | $57,424,000 | 5,993 |
| Average equity | $4,865,750 | 6,539 |
| Average total loans | $41,187,750 | 5,685 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 4,469 |
| Cost of funding earning assets | 0.8500% | 5,061 |
| Net interest margin | 3.8651% | 3,466 |
| Noninterest income to average assets | 0.0724% | 6,948 |
| Noninterest expense to average assets | 2.6377% | 5,044 |
| Loan and lease loss provision to assets | 0.1480% | 4,462 |
| Net operating income to assets | 0.9505% | 2,435 |
| Return on assets (ROA) | 0.9505% | 2,528 |
| Pretax return on assets | 0.9505% | 3,428 |
| Return on Equity (ROE) | 12.0083% | 1,487 |
| Retained earnings to average equity (ytd only) | 1.6205% | 5,182 |
| Net charge-offs to loans | 0.1464% | 4,311 |
| Credit loss provision to net charge-offs | 150.0000% | 2,038 |
| Earnings coverage of net charge-offs (x) | 11.1333% | 1,741 |
| Efficiency ratio | 70.5986% | 4,010 |
| Assets per employee ($millions) | 4.7406% | 2,488 |
| Cash dividends to net income (ytd only)* | 86.5052% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 6,308 |
| Loan loss allowance to noncurrent loans | 253.6145% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 6,208 |
| Noncurrent loans to loans | 0.3966% | 6,108 |
| Net loans and leases to total assets | 62.4328% | 3,807 |
| Net loans and leases to deposits | 70.5678% | 4,359 |
| Net loans and leases to core deposits | 73.7125% | 4,615 |
| Total domestic deposits to total assets | 88.4720% | 1,871 |
| Equity capital to assets | 7.4312% | 6,978 |
| Core capital (leverage) ratio | 7.5984% | 6,671 |
| Tier 1 risk-based capital ratio | 11.0732% | 6,468 |
| Total risk-based capital ratio | 12.0577% | 6,629 |
| Memoranda: | ||
| Average total assets | $60,811,000 | 6,110 |
| Average earning assets | $57,644,670 | 6,034 |
| Average equity | $4,813,330 | 6,594 |
| Average total loans | $40,977,670 | 5,756 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 3,718 |
| Cost of funding earning assets | 0.8970% | 4,947 |
| Net interest margin | 3.9744% | 2,804 |
| Noninterest income to average assets | 0.1310% | 6,760 |
| Noninterest expense to average assets | 2.6882% | 4,885 |
| Loan and lease loss provision to assets | 0.1723% | 3,910 |
| Net operating income to assets | 1.0270% | 2,086 |
| Return on assets (ROA) | 1.0270% | 2,133 |
| Pretax return on assets | 1.0270% | 3,035 |
| Return on Equity (ROE) | 12.5368% | 1,316 |
| Retained earnings to average equity (ytd only) | 3.2814% | 4,218 |
| Net charge-offs to loans | 0.2565% | 3,047 |
| Credit loss provision to net charge-offs | 96.1538% | 2,826 |
| Earnings coverage of net charge-offs (x) | 6.6923% | 2,062 |
| Efficiency ratio | 69.1489% | 4,445 |
| Assets per employee ($millions) | 4.2336% | 3,387 |
| Cash dividends to net income (ytd only)* | 73.8255% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 6,269 |
| Loan loss allowance to noncurrent loans | 445.0549% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.5163% | 5,950 |
| Noncurrent loans to loans | 0.2326% | 6,519 |
| Net loans and leases to total assets | 65.3265% | 3,170 |
| Net loans and leases to deposits | 75.4697% | 3,500 |
| Net loans and leases to core deposits | 79.1508% | 3,859 |
| Total domestic deposits to total assets | 86.5598% | 3,202 |
| Equity capital to assets | 8.0564% | 6,445 |
| Core capital (leverage) ratio | 8.0660% | 6,169 |
| Tier 1 risk-based capital ratio | 11.7411% | 5,904 |
| Total risk-based capital ratio | 12.7455% | 6,090 |
| Memoranda: | ||
| Average total assets | $58,032,000 | 6,257 |
| Average earning assets | $54,851,000 | 6,175 |
| Average equity | $4,754,000 | 6,632 |
| Average total loans | $40,538,000 | 5,827 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 3,796 |
| Cost of funding earning assets | 1.0980% | 5,144 |
| Net interest margin | 4.0640% | 2,728 |
| Noninterest income to average assets | 0.1955% | 6,377 |
| Noninterest expense to average assets | 2.7317% | 4,844 |
| Loan and lease loss provision to assets | 0.4976% | 3,166 |
| Net operating income to assets | 0.7749% | 2,899 |
| Return on assets (ROA) | 0.9135% | 2,465 |
| Pretax return on assets | 0.9135% | 3,227 |
| Return on Equity (ROE) | 10.6785% | 1,699 |
| Retained earnings to average equity (ytd only) | 0.8102% | 5,147 |
| Net charge-offs to loans | 0.5642% | 3,363 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 3.1964% | 3,480 |
| Efficiency ratio | 68.2202% | 4,519 |
| Assets per employee ($millions) | 4.0567% | 3,670 |
| Cash dividends to net income (ytd only)* | 92.4125% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 6,502 |
| Loan loss allowance to noncurrent loans | 168.4647% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 5,403 |
| Noncurrent loans to loans | 0.5745% | 5,903 |
| Net loans and leases to total assets | 73.1521% | 1,837 |
| Net loans and leases to deposits | 83.8940% | 2,466 |
| Net loans and leases to core deposits | 88.2587% | 3,017 |
| Total domestic deposits to total assets | 87.1958% | 2,716 |
| Equity capital to assets | 8.3336% | 6,105 |
| Core capital (leverage) ratio | 8.0979% | 6,022 |
| Tier 1 risk-based capital ratio | 10.9329% | 6,382 |
| Total risk-based capital ratio | 11.8781% | 6,587 |
| Memoranda: | ||
| Average total assets | $56,264,600 | 6,333 |
| Average earning assets | $52,731,800 | 6,263 |
| Average equity | $4,813,400 | 6,719 |
| Average total loans | $39,701,200 | 5,933 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1144% | 4,239 |
| Cost of funding earning assets | 1.1227% | 5,303 |
| Net interest margin | 3.9917% | 3,145 |
| Noninterest income to average assets | 0.1876% | 6,542 |
| Noninterest expense to average assets | 2.6128% | 5,275 |
| Loan and lease loss provision to assets | 0.3563% | 3,764 |
| Net operating income to assets | 0.9596% | 2,373 |
| Return on assets (ROA) | 1.1473% | 1,844 |
| Pretax return on assets | 1.1473% | 2,677 |
| Return on Equity (ROE) | 13.3233% | 1,179 |
| Retained earnings to average equity (ytd only) | 1.7379% | 5,093 |
| Net charge-offs to loans | 0.5144% | 3,232 |
| Credit loss provision to net charge-offs | 99.3377% | 4,390 |
| Earnings coverage of net charge-offs (x) | 3.6689% | 3,345 |
| Efficiency ratio | 66.5054% | 4,755 |
| Assets per employee ($millions) | 4.3805% | 3,107 |
| Cash dividends to net income (ytd only)* | 86.9577% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 6,812 |
| Loan loss allowance to noncurrent loans | 101.4535% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 5,124 |
| Noncurrent loans to loans | 0.8653% | 5,493 |
| Net loans and leases to total assets | 69.1954% | 2,938 |
| Net loans and leases to deposits | 79.7765% | 3,492 |
| Net loans and leases to core deposits | 83.4777% | 4,026 |
| Total domestic deposits to total assets | 86.7366% | 2,670 |
| Equity capital to assets | 8.5572% | 6,212 |
| Core capital (leverage) ratio | 8.0821% | 6,224 |
| Tier 1 risk-based capital ratio | 11.3599% | 6,048 |
| Total risk-based capital ratio | 12.2002% | 6,409 |
| Memoranda: | ||
| Average total assets | $56,132,250 | 6,413 |
| Average earning assets | $52,608,500 | 6,346 |
| Average equity | $4,833,500 | 6,802 |
| Average total loans | $39,138,500 | 6,039 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1078% | 4,413 |
| Cost of funding earning assets | 1.1346% | 5,491 |
| Net interest margin | 3.9732% | 3,145 |
| Noninterest income to average assets | 0.2614% | 6,049 |
| Noninterest expense to average assets | 2.6566% | 5,091 |
| Loan and lease loss provision to assets | 0.3759% | 3,458 |
| Net operating income to assets | 0.9524% | 2,356 |
| Return on assets (ROA) | 1.2352% | 1,527 |
| Pretax return on assets | 1.2352% | 2,308 |
| Return on Equity (ROE) | 14.3144% | 970 |
| Retained earnings to average equity (ytd only) | 1.4522% | 5,146 |
| Net charge-offs to loans | 0.6216% | 2,670 |
| Credit loss provision to net charge-offs | 86.7769% | 4,525 |
| Earnings coverage of net charge-offs (x) | 3.0661% | 3,470 |
| Efficiency ratio | 66.6667% | 4,850 |
| Assets per employee ($millions) | 4.7447% | 2,514 |
| Cash dividends to net income (ytd only)* | 89.8551% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 6,942 |
| Loan loss allowance to noncurrent loans | 65.4902% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.2078% | 4,722 |
| Noncurrent loans to loans | 1.2798% | 4,824 |
| Net loans and leases to total assets | 64.0651% | 4,252 |
| Net loans and leases to deposits | 72.8486% | 4,861 |
| Net loans and leases to core deposits | 75.9004% | 5,204 |
| Total domestic deposits to total assets | 87.9428% | 2,036 |
| Equity capital to assets | 7.7949% | 6,934 |
| Core capital (leverage) ratio | 8.1781% | 5,979 |
| Tier 1 risk-based capital ratio | 11.0582% | 6,176 |
| Total risk-based capital ratio | 11.8457% | 6,612 |
| Memoranda: | ||
| Average total assets | $55,861,000 | 6,460 |
| Average earning assets | $52,351,000 | 6,394 |
| Average equity | $4,820,330 | 6,835 |
| Average total loans | $38,933,670 | 6,093 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3120% | 3,481 |
| Cost of funding earning assets | 1.1885% | 5,461 |
| Net interest margin | 4.1235% | 2,343 |
| Noninterest income to average assets | 0.3248% | 5,557 |
| Noninterest expense to average assets | 2.6968% | 4,921 |
| Loan and lease loss provision to assets | 0.1133% | 5,484 |
| Net operating income to assets | 1.3673% | 1,150 |
| Return on assets (ROA) | 1.3673% | 1,219 |
| Pretax return on assets | 1.3673% | 1,860 |
| Return on Equity (ROE) | 15.0005% | 875 |
| Retained earnings to average equity (ytd only) | 1.7404% | 5,071 |
| Net charge-offs to loans | 0.3015% | 3,211 |
| Credit loss provision to net charge-offs | 51.7241% | 4,452 |
| Earnings coverage of net charge-offs (x) | 6.7586% | 2,169 |
| Efficiency ratio | 64.5570% | 5,379 |
| Assets per employee ($millions) | 4.1825% | 3,495 |
| Cash dividends to net income (ytd only)* | 88.3978% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 6,930 |
| Loan loss allowance to noncurrent loans | 32.3388% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 2.2235% | 3,246 |
| Noncurrent loans to loans | 2.6884% | 2,983 |
| Net loans and leases to total assets | 70.4614% | 2,809 |
| Net loans and leases to deposits | 81.5913% | 3,354 |
| Net loans and leases to core deposits | 86.0344% | 3,889 |
| Total domestic deposits to total assets | 86.3590% | 2,957 |
| Equity capital to assets | 8.8647% | 5,456 |
| Core capital (leverage) ratio | 8.7109% | 5,007 |
| Tier 1 risk-based capital ratio | 11.6678% | 5,513 |
| Total risk-based capital ratio | 12.5062% | 5,859 |
| Memoranda: | ||
| Average total assets | $52,951,000 | 6,634 |
| Average earning assets | $49,473,000 | 6,572 |
| Average equity | $4,826,500 | 6,899 |
| Average total loans | $38,475,500 | 6,193 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3208% | 5,078 |
| Cost of funding earning assets | 1.4382% | 5,770 |
| Net interest margin | 3.8826% | 3,337 |
| Noninterest income to average assets | 0.2784% | 6,109 |
| Noninterest expense to average assets | 2.9149% | 4,485 |
| Loan and lease loss provision to assets | 0.3964% | 4,423 |
| Net operating income to assets | 0.6305% | 3,214 |
| Return on assets (ROA) | 0.6379% | 3,238 |
| Pretax return on assets | 0.6379% | 3,782 |
| Return on Equity (ROE) | 7.0951% | 2,756 |
| Retained earnings to average equity (ytd only) | -0.6972% | 5,172 |
| Net charge-offs to loans | 0.8491% | 2,704 |
| Credit loss provision to net charge-offs | 67.3981% | 6,540 |
| Earnings coverage of net charge-offs (x) | 1.7461% | 4,418 |
| Efficiency ratio | 73.9476% | 3,907 |
| Assets per employee ($millions) | 3.9638% | 3,892 |
| Cash dividends to net income (ytd only)* | 109.8266% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 6,753 |
| Loan loss allowance to noncurrent loans | 140.5622% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9587% | 5,186 |
| Noncurrent loans to loans | 0.6501% | 5,935 |
| Net loans and leases to total assets | 73.6537% | 2,349 |
| Net loans and leases to deposits | 83.1427% | 3,430 |
| Net loans and leases to core deposits | 100.3809% | 3,957 |
| Total domestic deposits to total assets | 88.5870% | 1,683 |
| Equity capital to assets | 9.3792% | 4,591 |
| Core capital (leverage) ratio | 8.8862% | 4,614 |
| Tier 1 risk-based capital ratio | 11.9222% | 5,015 |
| Total risk-based capital ratio | 12.8116% | 5,294 |
| Memoranda: | ||
| Average total assets | $54,238,600 | 6,553 |
| Average earning assets | $51,176,800 | 6,489 |
| Average equity | $4,876,600 | 6,993 |
| Average total loans | $37,567,400 | 6,218 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2411% | 5,724 |
| Cost of funding earning assets | 1.4967% | 5,835 |
| Net interest margin | 3.7443% | 3,891 |
| Noninterest income to average assets | 0.2477% | 6,464 |
| Noninterest expense to average assets | 2.7629% | 5,053 |
| Loan and lease loss provision to assets | 0.2549% | 4,912 |
| Net operating income to assets | 0.7769% | 2,908 |
| Return on assets (ROA) | 0.7866% | 2,932 |
| Pretax return on assets | 0.7866% | 3,584 |
| Return on Equity (ROE) | 8.8387% | 2,322 |
| Retained earnings to average equity (ytd only) | 0.3820% | 5,037 |
| Net charge-offs to loans | 0.5136% | 3,158 |
| Credit loss provision to net charge-offs | 72.9167% | 5,923 |
| Earnings coverage of net charge-offs (x) | 2.9513% | 3,753 |
| Efficiency ratio | 72.8087% | 4,084 |
| Assets per employee ($millions) | 4.1726% | 3,422 |
| Cash dividends to net income (ytd only)* | 95.6781% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,722 |
| Loan loss allowance to noncurrent loans | 42.4770% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 1.9855% | 3,366 |
| Noncurrent loans to loans | 2.5902% | 2,914 |
| Net loans and leases to total assets | 68.7707% | 3,782 |
| Net loans and leases to deposits | 76.6909% | 4,939 |
| Net loans and leases to core deposits | 91.8252% | 5,247 |
| Total domestic deposits to total assets | 89.6726% | 898 |
| Equity capital to assets | 9.0646% | 5,393 |
| Core capital (leverage) ratio | 8.5210% | 5,456 |
| Tier 1 risk-based capital ratio | 12.0685% | 4,908 |
| Total risk-based capital ratio | 13.1249% | 5,021 |
| Memoranda: | ||
| Average total assets | $54,916,000 | 6,580 |
| Average earning assets | $52,023,750 | 6,498 |
| Average equity | $4,887,500 | 7,045 |
| Average total loans | $37,383,500 | 6,268 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 5,929 |
| Cost of funding earning assets | 1.5420% | 5,966 |
| Net interest margin | 3.6948% | 3,966 |
| Noninterest income to average assets | 0.2285% | 6,648 |
| Noninterest expense to average assets | 2.7711% | 5,085 |
| Loan and lease loss provision to assets | 0.1814% | 5,230 |
| Net operating income to assets | 0.7871% | 2,902 |
| Return on assets (ROA) | 0.8016% | 2,944 |
| Pretax return on assets | 0.8016% | 3,668 |
| Return on Equity (ROE) | 9.0617% | 2,340 |
| Retained earnings to average equity (ytd only) | 0.4510% | 5,035 |
| Net charge-offs to loans | 0.1020% | 5,143 |
| Credit loss provision to net charge-offs | 263.1579% | 1,772 |
| Earnings coverage of net charge-offs (x) | 14.0526% | 1,687 |
| Efficiency ratio | 74.1028% | 4,020 |
| Assets per employee ($millions) | 4.5437% | 2,707 |
| Cash dividends to net income (ytd only)* | 95.0226% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,246 |
| Loan loss allowance to noncurrent loans | 54.8643% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.4966% | 3,990 |
| Noncurrent loans to loans | 2.3774% | 3,036 |
| Net loans and leases to total assets | 62.1284% | 5,341 |
| Net loans and leases to deposits | 69.4052% | 6,052 |
| Net loans and leases to core deposits | 79.8182% | 6,426 |
| Total domestic deposits to total assets | 89.5155% | 1,035 |
| Equity capital to assets | 8.1228% | 6,606 |
| Core capital (leverage) ratio | 8.5457% | 5,364 |
| Tier 1 risk-based capital ratio | 11.9946% | 4,922 |
| Total risk-based capital ratio | 13.2225% | 4,863 |
| Memoranda: | ||
| Average total assets | $55,140,000 | 6,633 |
| Average earning assets | $52,398,000 | 6,536 |
| Average equity | $4,877,670 | 7,108 |
| Average total loans | $37,271,670 | 6,330 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5160% | 4,824 |
| Cost of funding earning assets | 1.6429% | 5,849 |
| Net interest margin | 3.8731% | 3,172 |
| Noninterest income to average assets | 0.1956% | 6,898 |
| Noninterest expense to average assets | 2.5801% | 5,531 |
| Loan and lease loss provision to assets | 0.2257% | 4,197 |
| Net operating income to assets | 1.0606% | 2,105 |
| Return on assets (ROA) | 1.0757% | 2,180 |
| Pretax return on assets | 1.0757% | 3,080 |
| Return on Equity (ROE) | 11.6319% | 1,778 |
| Retained earnings to average equity (ytd only) | 3.4977% | 3,952 |
| Net charge-offs to loans | 0.0750% | 4,429 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 24.4286% | 1,240 |
| Efficiency ratio | 66.7315% | 5,191 |
| Assets per employee ($millions) | 4.0415% | 3,573 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 4,192 |
| Loan loss allowance to noncurrent loans | 42.7419% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 2.1241% | 2,715 |
| Noncurrent loans to loans | 2.9963% | 2,178 |
| Net loans and leases to total assets | 69.9829% | 3,673 |
| Net loans and leases to deposits | 79.4404% | 4,695 |
| Net loans and leases to core deposits | 92.4611% | 5,307 |
| Total domestic deposits to total assets | 88.0948% | 1,702 |
| Equity capital to assets | 9.3148% | 4,919 |
| Core capital (leverage) ratio | 8.9346% | 4,816 |
| Tier 1 risk-based capital ratio | 12.4025% | 4,613 |
| Total risk-based capital ratio | 13.6430% | 4,547 |
| Memoranda: | ||
| Average total assets | $53,176,000 | 6,734 |
| Average earning assets | $50,398,500 | 6,643 |
| Average equity | $4,917,500 | 7,140 |
| Average total loans | $37,316,000 | 6,363 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5561% | 7,184 |
| Cost of funding earning assets | 2.1317% | 5,920 |
| Net interest margin | 3.4244% | 5,562 |
| Noninterest income to average assets | 0.2080% | 6,952 |
| Noninterest expense to average assets | 2.3773% | 6,480 |
| Loan and lease loss provision to assets | 3.2041% | 272 |
| Net operating income to assets | -2.1800% | 7,644 |
| Return on assets (ROA) | -1.9986% | 7,566 |
| Pretax return on assets | -1.9986% | 7,437 |
| Return on Equity (ROE) | -23.1342% | 7,828 |
| Retained earnings to average equity (ytd only) | -25.6041% | 7,818 |
| Net charge-offs to loans | 4.4337% | 135 |
| Credit loss provision to net charge-offs | 115.2911% | 4,686 |
| Earnings coverage of net charge-offs (x) | 0.3685% | 6,010 |
| Efficiency ratio | 69.8902% | 4,374 |
| Assets per employee ($millions) | 4.1394% | 3,234 |
| Cash dividends to net income (ytd only)* | -10.6762% | 7,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 4,427 |
| Loan loss allowance to noncurrent loans | 43.4450% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 1.9419% | 2,531 |
| Noncurrent loans to loans | 2.7952% | 1,942 |
| Net loans and leases to total assets | 68.6315% | 4,339 |
| Net loans and leases to deposits | 82.1441% | 4,706 |
| Net loans and leases to core deposits | 95.1488% | 5,334 |
| Total domestic deposits to total assets | 83.5501% | 3,554 |
| Equity capital to assets | 9.1820% | 5,108 |
| Core capital (leverage) ratio | 8.5853% | 5,410 |
| Tier 1 risk-based capital ratio | 12.1645% | 4,697 |
| Total risk-based capital ratio | 13.3328% | 4,637 |
| Memoranda: | ||
| Average total assets | $56,239,800 | 6,518 |
| Average earning assets | $52,446,600 | 6,486 |
| Average equity | $4,858,600 | 7,195 |
| Average total loans | $35,252,600 | 6,410 |