Home > The Fisher National Bank > Performance and Condition Ratios
The Fisher National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5347% | 1,113 |
| Cost of funding earning assets | 1.6732% | 1,509 |
| Net interest margin | 3.8615% | 1,456 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 3.1234% | 925 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3093% | 1,418 |
| Return on assets (ROA) | 1.2952% | 1,414 |
| Pretax return on assets | 1.3115% | 1,841 |
| Return on Equity (ROE) | 17.7200% | 860 |
| Retained earnings to average equity (ytd only) | -8.2840% | 4,448 |
| Net charge-offs to loans | 0.0262% | 1,795 |
| Credit loss provision to net charge-offs | 324.0741% | 906 |
| Earnings coverage of net charge-offs (x) | 73.8889% | 1,074 |
| Efficiency ratio | 69.2557% | 1,982 |
| Assets per employee ($millions) | 6.1804% | 2,666 |
| Cash dividends to net income (ytd only)* | 146.7400% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 3,763 |
| Loan loss allowance to noncurrent loans | 321.5453% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 2,220 |
| Noncurrent loans to loans | 0.2754% | 2,192 |
| Net loans and leases to total assets | 72.5800% | 1,517 |
| Net loans and leases to deposits | 87.6001% | 1,473 |
| Net loans and leases to core deposits | 93.9931% | 1,776 |
| Total domestic deposits to total assets | 82.8500% | 2,927 |
| Equity capital to assets | 8.1899% | 3,287 |
| Core capital (leverage) ratio | 9.1826% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $287,761,800 | 2,484 |
| Average earning assets | $265,363,400 | 2,489 |
| Average equity | $21,028,600 | 2,773 |
| Average total loans | $205,893,200 | 2,248 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5598% | 949 |
| Cost of funding earning assets | 1.5203% | 1,553 |
| Net interest margin | 4.0395% | 1,163 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.3320% | 692 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0609% | 2,181 |
| Return on assets (ROA) | 1.0415% | 2,231 |
| Pretax return on assets | 1.0589% | 2,688 |
| Return on Equity (ROE) | 14.7900% | 1,484 |
| Retained earnings to average equity (ytd only) | -19.5548% | 4,552 |
| Net charge-offs to loans | 0.0367% | 1,365 |
| Credit loss provision to net charge-offs | 129.6296% | 1,425 |
| Earnings coverage of net charge-offs (x) | 42.6852% | 1,410 |
| Efficiency ratio | 74.9701% | 1,270 |
| Assets per employee ($millions) | 5.8273% | 2,901 |
| Cash dividends to net income (ytd only)* | 232.2057% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 3,834 |
| Loan loss allowance to noncurrent loans | 133.4413% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 1,252 |
| Noncurrent loans to loans | 0.6487% | 1,267 |
| Net loans and leases to total assets | 70.9900% | 1,703 |
| Net loans and leases to deposits | 88.9439% | 1,308 |
| Net loans and leases to core deposits | 100.4357% | 1,297 |
| Total domestic deposits to total assets | 79.8200% | 3,557 |
| Equity capital to assets | 6.9194% | 3,652 |
| Core capital (leverage) ratio | 9.1791% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1452% | 1,838 |
| Memoranda: | ||
| Average total assets | $276,267,000 | 2,548 |
| Average earning assets | $254,249,000 | 2,554 |
| Average equity | $19,452,500 | 2,894 |
| Average total loans | $196,269,500 | 2,314 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7027% | 634 |
| Cost of funding earning assets | 1.4975% | 1,244 |
| Net interest margin | 4.2052% | 924 |
| Noninterest income to average assets | 1.2100% | 434 |
| Noninterest expense to average assets | 3.8157% | 398 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2188% | 1,779 |
| Return on assets (ROA) | 1.1876% | 1,856 |
| Pretax return on assets | 1.2070% | 2,342 |
| Return on Equity (ROE) | 16.5800% | 1,169 |
| Retained earnings to average equity (ytd only) | -33.3983% | 4,602 |
| Net charge-offs to loans | 0.0132% | 1,697 |
| Credit loss provision to net charge-offs | 475.0000% | 669 |
| Earnings coverage of net charge-offs (x) | 137.8333% | 784 |
| Efficiency ratio | 74.8365% | 1,272 |
| Assets per employee ($millions) | 5.7955% | 2,889 |
| Cash dividends to net income (ytd only)* | 301.4370% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 3,558 |
| Loan loss allowance to noncurrent loans | 378.7659% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,319 |
| Noncurrent loans to loans | 0.2543% | 2,246 |
| Net loans and leases to total assets | 68.5600% | 1,907 |
| Net loans and leases to deposits | 82.2303% | 1,810 |
| Net loans and leases to core deposits | 87.4494% | 1,971 |
| Total domestic deposits to total assets | 83.3800% | 2,962 |
| Equity capital to assets | 7.9241% | 3,265 |
| Core capital (leverage) ratio | 10.0100% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3309% | 1,779 |
| Memoranda: | ||
| Average total assets | $257,830,000 | 2,644 |
| Average earning assets | $238,132,333 | 2,650 |
| Average equity | $18,468,000 | 2,987 |
| Average total loans | $182,403,667 | 2,417 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,979 |
| Cost of funding earning assets | 1.0016% | 2,043 |
| Net interest margin | 3.2282% | 3,047 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.2061% | 3,084 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2803% | 1,725 |
| Return on assets (ROA) | 1.2803% | 1,695 |
| Pretax return on assets | 1.3046% | 2,158 |
| Return on Equity (ROE) | 19.2600% | 846 |
| Retained earnings to average equity (ytd only) | -96.5332% | 4,688 |
| Net charge-offs to loans | 0.0145% | 1,411 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 130.1667% | 666 |
| Efficiency ratio | 61.9210% | 2,709 |
| Assets per employee ($millions) | 6.3046% | 2,497 |
| Cash dividends to net income (ytd only)* | 601.0855% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,271 |
| Loan loss allowance to noncurrent loans | 8,608.3333% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 3,762 |
| Noncurrent loans to loans | 0.0146% | 3,708 |
| Net loans and leases to total assets | 69.7300% | 1,652 |
| Net loans and leases to deposits | 80.0172% | 1,812 |
| Net loans and leases to core deposits | 85.8983% | 1,871 |
| Total domestic deposits to total assets | 87.1400% | 2,215 |
| Equity capital to assets | 6.0753% | 4,174 |
| Core capital (leverage) ratio | 8.8141% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7094% | 1,716 |
| Memoranda: | ||
| Average total assets | $230,266,000 | 2,842 |
| Average earning assets | $214,853,500 | 2,826 |
| Average equity | $15,302,500 | 3,279 |
| Average total loans | $165,276,500 | 2,587 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 2,072 |
| Cost of funding earning assets | 0.3847% | 2,223 |
| Net interest margin | 3.4828% | 1,984 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.3501% | 2,581 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.4280% | 1,054 |
| Return on assets (ROA) | 1.4382% | 993 |
| Pretax return on assets | 1.4590% | 1,576 |
| Return on Equity (ROE) | 17.9900% | 705 |
| Retained earnings to average equity (ytd only) | 13.4963% | 453 |
| Net charge-offs to loans | 0.0148% | 1,832 |
| Credit loss provision to net charge-offs | 818.1818% | 488 |
| Earnings coverage of net charge-offs (x) | 147.5455% | 795 |
| Efficiency ratio | 60.5109% | 2,982 |
| Assets per employee ($millions) | 5.8272% | 2,922 |
| Cash dividends to net income (ytd only)* | 24.9671% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 3,444 |
| Loan loss allowance to noncurrent loans | 311.5750% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 1,985 |
| Noncurrent loans to loans | 0.3178% | 2,011 |
| Net loans and leases to total assets | 72.2500% | 1,388 |
| Net loans and leases to deposits | 84.5093% | 1,424 |
| Net loans and leases to core deposits | 92.2910% | 1,369 |
| Total domestic deposits to total assets | 85.4900% | 2,859 |
| Equity capital to assets | 7.2309% | 3,533 |
| Core capital (leverage) ratio | 10.3457% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4909% | 1,236 |
| Memoranda: | ||
| Average total assets | $211,646,600 | 2,965 |
| Average earning assets | $198,088,600 | 2,952 |
| Average equity | $16,923,200 | 3,208 |
| Average total loans | $148,755,600 | 2,644 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7792% | 1,819 |
| Cost of funding earning assets | 0.3117% | 2,041 |
| Net interest margin | 3.4674% | 1,757 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.4228% | 2,251 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2861% | 1,403 |
| Return on assets (ROA) | 1.2997% | 1,318 |
| Pretax return on assets | 1.3574% | 1,858 |
| Return on Equity (ROE) | 15.8400% | 1,008 |
| Retained earnings to average equity (ytd only) | 11.2635% | 980 |
| Net charge-offs to loans | 0.0166% | 1,518 |
| Credit loss provision to net charge-offs | 750.0000% | 488 |
| Earnings coverage of net charge-offs (x) | 123.7778% | 831 |
| Efficiency ratio | 62.8852% | 2,703 |
| Assets per employee ($millions) | 5.6068% | 3,118 |
| Cash dividends to net income (ytd only)* | 28.8889% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 3,517 |
| Loan loss allowance to noncurrent loans | 620.5426% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 2,788 |
| Noncurrent loans to loans | 0.1601% | 2,805 |
| Net loans and leases to total assets | 72.9800% | 1,182 |
| Net loans and leases to deposits | 86.0139% | 1,170 |
| Net loans and leases to core deposits | 91.0486% | 1,234 |
| Total domestic deposits to total assets | 84.8500% | 3,322 |
| Equity capital to assets | 6.3646% | 3,810 |
| Core capital (leverage) ratio | 9.9636% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9466% | 1,189 |
| Memoranda: | ||
| Average total assets | $207,743,000 | 3,015 |
| Average earning assets | $194,606,500 | 2,989 |
| Average equity | $17,045,750 | 3,239 |
| Average total loans | $144,485,500 | 2,694 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 1,707 |
| Cost of funding earning assets | 0.2993% | 1,718 |
| Net interest margin | 3.3439% | 1,778 |
| Noninterest income to average assets | 0.6262% | 1,629 |
| Noninterest expense to average assets | 2.3792% | 2,301 |
| Loan and lease loss provision to assets | 0.0882% | 1,117 |
| Net operating income to assets | 1.2395% | 1,303 |
| Return on assets (ROA) | 1.2602% | 1,237 |
| Pretax return on assets | 1.3111% | 1,709 |
| Return on Equity (ROE) | 14.2188% | 1,059 |
| Retained earnings to average equity (ytd only) | 12.1734% | 582 |
| Net charge-offs to loans | 0.0302% | 1,124 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 66.9524% | 1,027 |
| Efficiency ratio | 63.3281% | 2,864 |
| Assets per employee ($millions) | 5.4830% | 3,251 |
| Cash dividends to net income (ytd only)* | 14.3857% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,524 |
| Loan loss allowance to noncurrent loans | 666.5236% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 2,924 |
| Noncurrent loans to loans | 0.1527% | 2,930 |
| Net loans and leases to total assets | 72.4784% | 1,054 |
| Net loans and leases to deposits | 91.4664% | 636 |
| Net loans and leases to core deposits | 96.8870% | 796 |
| Total domestic deposits to total assets | 79.2405% | 4,283 |
| Equity capital to assets | 7.5838% | 3,416 |
| Core capital (leverage) ratio | 10.5325% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5767% | 1,057 |
| Memoranda: | ||
| Average total assets | $204,102,667 | 3,073 |
| Average earning assets | $191,093,333 | 3,054 |
| Average equity | $18,088,667 | 3,229 |
| Average total loans | $138,920,667 | 2,758 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 1,687 |
| Cost of funding earning assets | 0.2945% | 1,702 |
| Net interest margin | 3.2399% | 1,751 |
| Noninterest income to average assets | 0.6278% | 1,572 |
| Noninterest expense to average assets | 2.3884% | 2,205 |
| Loan and lease loss provision to assets | 0.0891% | 928 |
| Net operating income to assets | 1.1494% | 1,379 |
| Return on assets (ROA) | 1.1883% | 1,271 |
| Pretax return on assets | 1.2180% | 1,744 |
| Return on Equity (ROE) | 12.4789% | 1,170 |
| Retained earnings to average equity (ytd only) | 12.4789% | 532 |
| Net charge-offs to loans | 0.0666% | 664 |
| Credit loss provision to net charge-offs | 204.5455% | 771 |
| Earnings coverage of net charge-offs (x) | 29.0909% | 1,146 |
| Efficiency ratio | 65.3304% | 2,854 |
| Assets per employee ($millions) | 5.0906% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,232 |
| Loan loss allowance to noncurrent loans | 881.8713% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 3,236 |
| Noncurrent loans to loans | 0.1272% | 3,179 |
| Net loans and leases to total assets | 65.2813% | 1,485 |
| Net loans and leases to deposits | 80.3068% | 1,128 |
| Net loans and leases to core deposits | 85.6709% | 1,150 |
| Total domestic deposits to total assets | 81.2898% | 4,169 |
| Equity capital to assets | 8.5718% | 3,103 |
| Core capital (leverage) ratio | 10.2330% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3884% | 1,171 |
| Memoranda: | ||
| Average total assets | $201,977,500 | 3,089 |
| Average earning assets | $188,773,000 | 3,087 |
| Average equity | $19,232,500 | 3,216 |
| Average total loans | $132,099,000 | 2,826 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 1,901 |
| Cost of funding earning assets | 0.3703% | 1,751 |
| Net interest margin | 3.4189% | 1,969 |
| Noninterest income to average assets | 0.7684% | 1,539 |
| Noninterest expense to average assets | 2.5036% | 2,168 |
| Loan and lease loss provision to assets | 0.0963% | 1,290 |
| Net operating income to assets | 1.2994% | 1,601 |
| Return on assets (ROA) | 1.3221% | 1,585 |
| Pretax return on assets | 1.4212% | 1,977 |
| Return on Equity (ROE) | 11.3908% | 2,023 |
| Retained earnings to average equity (ytd only) | 5.5074% | 2,563 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6400% | 2,772 |
| Assets per employee ($millions) | 4.8862% | 3,827 |
| Cash dividends to net income (ytd only)* | 51.6502% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,157 |
| Loan loss allowance to noncurrent loans | 531.8996% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 2,963 |
| Noncurrent loans to loans | 0.2150% | 2,884 |
| Net loans and leases to total assets | 64.0329% | 1,698 |
| Net loans and leases to deposits | 81.0436% | 1,132 |
| Net loans and leases to core deposits | 86.6346% | 1,162 |
| Total domestic deposits to total assets | 79.0104% | 4,317 |
| Equity capital to assets | 10.4880% | 2,186 |
| Core capital (leverage) ratio | 10.4481% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9825% | 895 |
| Memoranda: | ||
| Average total assets | $176,465,600 | 3,237 |
| Average earning assets | $166,631,800 | 3,217 |
| Average equity | $20,481,400 | 3,173 |
| Average total loans | $111,375,000 | 3,056 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8374% | 1,939 |
| Cost of funding earning assets | 0.3894% | 1,782 |
| Net interest margin | 3.4479% | 2,015 |
| Noninterest income to average assets | 0.8047% | 1,511 |
| Noninterest expense to average assets | 2.4915% | 2,144 |
| Loan and lease loss provision to assets | 0.1196% | 989 |
| Net operating income to assets | 1.4310% | 1,444 |
| Return on assets (ROA) | 1.4639% | 1,406 |
| Pretax return on assets | 1.4881% | 2,027 |
| Return on Equity (ROE) | 12.2657% | 1,952 |
| Retained earnings to average equity (ytd only) | 4.3703% | 3,456 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2810% | 2,791 |
| Assets per employee ($millions) | 4.6827% | 3,980 |
| Cash dividends to net income (ytd only)* | 64.3697% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,917 |
| Loan loss allowance to noncurrent loans | 1,905.1948% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,882 |
| Noncurrent loans to loans | 0.0638% | 3,780 |
| Net loans and leases to total assets | 63.6778% | 1,812 |
| Net loans and leases to deposits | 80.4122% | 1,248 |
| Net loans and leases to core deposits | 86.5545% | 1,254 |
| Total domestic deposits to total assets | 79.1892% | 4,328 |
| Equity capital to assets | 11.0225% | 2,000 |
| Core capital (leverage) ratio | 11.0331% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6952% | 861 |
| Memoranda: | ||
| Average total assets | $170,498,750 | 3,332 |
| Average earning assets | $161,253,000 | 3,291 |
| Average equity | $20,349,000 | 3,218 |
| Average total loans | $106,778,000 | 3,158 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 2,138 |
| Cost of funding earning assets | 0.4288% | 1,667 |
| Net interest margin | 3.3443% | 2,316 |
| Noninterest income to average assets | 0.8442% | 1,410 |
| Noninterest expense to average assets | 2.4901% | 2,180 |
| Loan and lease loss provision to assets | 0.1237% | 1,014 |
| Net operating income to assets | 1.3664% | 1,663 |
| Return on assets (ROA) | 1.3985% | 1,641 |
| Pretax return on assets | 1.4227% | 2,264 |
| Return on Equity (ROE) | 11.3877% | 2,270 |
| Retained earnings to average equity (ytd only) | 1.7580% | 4,174 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1933% | 2,701 |
| Assets per employee ($millions) | 4.4669% | 4,122 |
| Cash dividends to net income (ytd only)* | 84.5620% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 2,328 |
| Loan loss allowance to noncurrent loans | 1,748.1481% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,716 |
| Noncurrent loans to loans | 0.0756% | 3,806 |
| Net loans and leases to total assets | 60.6605% | 2,343 |
| Net loans and leases to deposits | 70.8593% | 2,322 |
| Net loans and leases to core deposits | 76.2684% | 2,213 |
| Total domestic deposits to total assets | 85.6069% | 2,873 |
| Equity capital to assets | 11.5895% | 1,576 |
| Core capital (leverage) ratio | 11.4564% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9956% | 960 |
| Memoranda: | ||
| Average total assets | $164,896,000 | 3,385 |
| Average earning assets | $155,788,000 | 3,359 |
| Average equity | $20,250,000 | 3,222 |
| Average total loans | $102,124,000 | 3,225 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 1,918 |
| Cost of funding earning assets | 0.4627% | 1,634 |
| Net interest margin | 3.4030% | 2,103 |
| Noninterest income to average assets | 0.9810% | 1,165 |
| Noninterest expense to average assets | 2.4289% | 2,406 |
| Loan and lease loss provision to assets | 0.1273% | 1,078 |
| Net operating income to assets | 1.6076% | 1,116 |
| Return on assets (ROA) | 1.6076% | 1,163 |
| Pretax return on assets | 1.6375% | 1,628 |
| Return on Equity (ROE) | 12.7022% | 1,751 |
| Retained earnings to average equity (ytd only) | 5.3057% | 3,125 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9167% | 3,311 |
| Assets per employee ($millions) | 4.7775% | 3,858 |
| Cash dividends to net income (ytd only)* | 58.2298% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,075 |
| Loan loss allowance to noncurrent loans | 1,625.0000% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 3,741 |
| Noncurrent loans to loans | 0.0847% | 3,882 |
| Net loans and leases to total assets | 58.5075% | 2,739 |
| Net loans and leases to deposits | 66.8519% | 2,826 |
| Net loans and leases to core deposits | 72.2080% | 2,686 |
| Total domestic deposits to total assets | 87.5182% | 2,079 |
| Equity capital to assets | 12.0094% | 1,276 |
| Core capital (leverage) ratio | 12.1995% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7633% | 702 |
| Memoranda: | ||
| Average total assets | $160,239,500 | 3,430 |
| Average earning assets | $151,279,000 | 3,401 |
| Average equity | $20,280,000 | 3,220 |
| Average total loans | $99,640,000 | 3,265 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 1,935 |
| Cost of funding earning assets | 0.6889% | 1,778 |
| Net interest margin | 3.5877% | 2,177 |
| Noninterest income to average assets | 1.3661% | 627 |
| Noninterest expense to average assets | 2.6677% | 2,334 |
| Loan and lease loss provision to assets | 0.1262% | 2,780 |
| Net operating income to assets | 1.9171% | 305 |
| Return on assets (ROA) | 1.9570% | 311 |
| Pretax return on assets | 1.9892% | 462 |
| Return on Equity (ROE) | 14.6790% | 690 |
| Retained earnings to average equity (ytd only) | 9.5792% | 662 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2518% | 3,957 |
| Assets per employee ($millions) | 4.6445% | 3,768 |
| Cash dividends to net income (ytd only)* | 34.7421% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,354 |
| Loan loss allowance to noncurrent loans | 476.0870% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,166 |
| Noncurrent loans to loans | 0.2758% | 3,202 |
| Net loans and leases to total assets | 64.4427% | 2,305 |
| Net loans and leases to deposits | 74.7273% | 2,409 |
| Net loans and leases to core deposits | 81.3806% | 2,242 |
| Total domestic deposits to total assets | 86.2372% | 2,257 |
| Equity capital to assets | 13.3616% | 978 |
| Core capital (leverage) ratio | 12.7534% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6590% | 613 |
| Memoranda: | ||
| Average total assets | $142,669,400 | 3,482 |
| Average earning assets | $134,265,600 | 3,453 |
| Average equity | $19,020,400 | 3,277 |
| Average total loans | $101,131,800 | 3,213 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 1,943 |
| Cost of funding earning assets | 0.7253% | 1,874 |
| Net interest margin | 3.6415% | 2,119 |
| Noninterest income to average assets | 1.3779% | 584 |
| Noninterest expense to average assets | 2.7110% | 2,231 |
| Loan and lease loss provision to assets | 0.1286% | 2,739 |
| Net operating income to assets | 1.9341% | 341 |
| Return on assets (ROA) | 1.9892% | 329 |
| Pretax return on assets | 2.0225% | 496 |
| Return on Equity (ROE) | 14.9298% | 697 |
| Retained earnings to average equity (ytd only) | 7.9973% | 1,303 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4097% | 3,873 |
| Assets per employee ($millions) | 4.9910% | 3,261 |
| Cash dividends to net income (ytd only)* | 46.4337% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,478 |
| Loan loss allowance to noncurrent loans | 390.4615% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 3,002 |
| Noncurrent loans to loans | 0.3160% | 3,155 |
| Net loans and leases to total assets | 67.8519% | 2,267 |
| Net loans and leases to deposits | 78.9245% | 2,433 |
| Net loans and leases to core deposits | 85.9939% | 2,301 |
| Total domestic deposits to total assets | 85.9707% | 2,085 |
| Equity capital to assets | 13.0643% | 1,156 |
| Core capital (leverage) ratio | 12.6842% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2580% | 645 |
| Memoranda: | ||
| Average total assets | $140,019,750 | 3,498 |
| Average earning assets | $131,809,000 | 3,475 |
| Average equity | $18,655,750 | 3,312 |
| Average total loans | $101,393,750 | 3,216 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 1,940 |
| Cost of funding earning assets | 0.7873% | 1,891 |
| Net interest margin | 3.7037% | 2,145 |
| Noninterest income to average assets | 1.3671% | 555 |
| Noninterest expense to average assets | 2.7343% | 2,277 |
| Loan and lease loss provision to assets | 0.1316% | 2,703 |
| Net operating income to assets | 1.9593% | 359 |
| Return on assets (ROA) | 1.9593% | 401 |
| Pretax return on assets | 1.9885% | 557 |
| Return on Equity (ROE) | 14.6017% | 773 |
| Retained earnings to average equity (ytd only) | 6.7560% | 1,758 |
| Net charge-offs to loans | -0.0020% | 3,823 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3253% | 3,902 |
| Assets per employee ($millions) | 4.6775% | 3,560 |
| Cash dividends to net income (ytd only)* | 53.7313% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,509 |
| Loan loss allowance to noncurrent loans | 644.7368% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 1,919 |
| Noncurrent loans to loans | 0.1863% | 3,712 |
| Net loans and leases to total assets | 69.4823% | 2,113 |
| Net loans and leases to deposits | 80.8893% | 2,327 |
| Net loans and leases to core deposits | 87.3247% | 2,320 |
| Total domestic deposits to total assets | 85.8980% | 2,063 |
| Equity capital to assets | 13.1889% | 1,081 |
| Core capital (leverage) ratio | 12.8856% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0098% | 673 |
| Memoranda: | ||
| Average total assets | $136,783,333 | 3,522 |
| Average earning assets | $128,789,333 | 3,487 |
| Average equity | $18,354,000 | 3,332 |
| Average total loans | $100,904,000 | 3,221 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 1,875 |
| Cost of funding earning assets | 0.8550% | 2,090 |
| Net interest margin | 3.7885% | 2,022 |
| Noninterest income to average assets | 0.9798% | 897 |
| Noninterest expense to average assets | 2.7315% | 2,628 |
| Loan and lease loss provision to assets | 0.1357% | 2,026 |
| Net operating income to assets | 1.6522% | 558 |
| Return on assets (ROA) | 1.6522% | 616 |
| Pretax return on assets | 1.6793% | 893 |
| Return on Equity (ROE) | 12.1988% | 1,055 |
| Retained earnings to average equity (ytd only) | 6.0326% | 1,858 |
| Net charge-offs to loans | -0.0040% | 3,791 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0796% | 3,730 |
| Assets per employee ($millions) | 4.6416% | 3,072 |
| Cash dividends to net income (ytd only)* | 50.5474% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,712 |
| Loan loss allowance to noncurrent loans | 331.4607% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 2,880 |
| Noncurrent loans to loans | 0.3596% | 3,207 |
| Net loans and leases to total assets | 72.6626% | 1,829 |
| Net loans and leases to deposits | 84.5565% | 2,163 |
| Net loans and leases to core deposits | 92.4873% | 2,112 |
| Total domestic deposits to total assets | 85.9339% | 2,025 |
| Equity capital to assets | 13.3425% | 1,288 |
| Core capital (leverage) ratio | 13.4295% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1168% | 631 |
| Memoranda: | ||
| Average total assets | $132,674,500 | 3,557 |
| Average earning assets | $124,905,000 | 3,508 |
| Average equity | $17,969,000 | 3,373 |
| Average total loans | $100,368,500 | 3,219 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 1,779 |
| Cost of funding earning assets | 0.8949% | 2,211 |
| Net interest margin | 3.9958% | 1,870 |
| Noninterest income to average assets | 0.9899% | 989 |
| Noninterest expense to average assets | 2.6596% | 2,995 |
| Loan and lease loss provision to assets | 0.1180% | 1,793 |
| Net operating income to assets | 1.9390% | 401 |
| Return on assets (ROA) | 1.9577% | 406 |
| Pretax return on assets | 1.9869% | 615 |
| Return on Equity (ROE) | 14.7847% | 735 |
| Retained earnings to average equity (ytd only) | 9.9714% | 496 |
| Net charge-offs to loans | 0.0526% | 2,362 |
| Credit loss provision to net charge-offs | 283.0189% | 992 |
| Earnings coverage of net charge-offs (x) | 50.0189% | 1,130 |
| Efficiency ratio | 56.0438% | 4,193 |
| Assets per employee ($millions) | 4.6694% | 2,989 |
| Cash dividends to net income (ytd only)* | 32.5563% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 2,855 |
| Loan loss allowance to noncurrent loans | 366.9903% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 3,137 |
| Noncurrent loans to loans | 0.3037% | 3,347 |
| Net loans and leases to total assets | 76.9561% | 1,264 |
| Net loans and leases to deposits | 89.9649% | 1,595 |
| Net loans and leases to core deposits | 98.1112% | 1,716 |
| Total domestic deposits to total assets | 85.5402% | 2,269 |
| Equity capital to assets | 13.7507% | 1,189 |
| Core capital (leverage) ratio | 13.5152% | 1,053 |
| Tier 1 risk-based capital ratio | 20.0196% | 1,324 |
| Total risk-based capital ratio | 21.2693% | 1,296 |
| Memoranda: | ||
| Average total assets | $127,085,000 | 3,600 |
| Average earning assets | $119,450,400 | 3,565 |
| Average equity | $16,828,200 | 3,455 |
| Average total loans | $100,797,400 | 3,217 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 1,877 |
| Cost of funding earning assets | 0.8907% | 2,273 |
| Net interest margin | 3.9878% | 1,987 |
| Noninterest income to average assets | 0.9257% | 1,092 |
| Noninterest expense to average assets | 2.6831% | 2,911 |
| Loan and lease loss provision to assets | 0.1427% | 1,346 |
| Net operating income to assets | 1.8200% | 590 |
| Return on assets (ROA) | 1.8451% | 588 |
| Pretax return on assets | 1.8725% | 928 |
| Return on Equity (ROE) | 14.0740% | 969 |
| Retained earnings to average equity (ytd only) | 7.5448% | 1,599 |
| Net charge-offs to loans | 0.0292% | 2,506 |
| Credit loss provision to net charge-offs | 613.6364% | 532 |
| Earnings coverage of net charge-offs (x) | 85.5984% | 822 |
| Efficiency ratio | 57.4175% | 4,010 |
| Assets per employee ($millions) | 4.7341% | 2,869 |
| Cash dividends to net income (ytd only)* | 46.3917% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 2,961 |
| Loan loss allowance to noncurrent loans | 241.8947% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 2,811 |
| Noncurrent loans to loans | 0.4600% | 2,923 |
| Net loans and leases to total assets | 79.8881% | 863 |
| Net loans and leases to deposits | 94.1863% | 1,208 |
| Net loans and leases to core deposits | 102.7728% | 1,435 |
| Total domestic deposits to total assets | 84.8193% | 2,491 |
| Equity capital to assets | 13.4955% | 1,366 |
| Core capital (leverage) ratio | 13.2717% | 1,225 |
| Tier 1 risk-based capital ratio | 18.8043% | 1,609 |
| Total risk-based capital ratio | 20.0545% | 1,577 |
| Memoranda: | ||
| Average total assets | $126,170,750 | 3,648 |
| Average earning assets | $118,558,000 | 3,616 |
| Average equity | $16,540,750 | 3,512 |
| Average total loans | $100,559,750 | 3,257 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 1,963 |
| Cost of funding earning assets | 0.8815% | 2,234 |
| Net interest margin | 3.9499% | 2,092 |
| Noninterest income to average assets | 0.8948% | 1,081 |
| Noninterest expense to average assets | 2.7034% | 2,891 |
| Loan and lease loss provision to assets | 0.1433% | 1,293 |
| Net operating income to assets | 1.7322% | 681 |
| Return on assets (ROA) | 1.7290% | 714 |
| Pretax return on assets | 1.7545% | 1,162 |
| Return on Equity (ROE) | 13.3216% | 1,150 |
| Retained earnings to average equity (ytd only) | 5.8389% | 2,355 |
| Net charge-offs to loans | 0.0281% | 2,295 |
| Credit loss provision to net charge-offs | 642.8571% | 497 |
| Earnings coverage of net charge-offs (x) | 85.2857% | 776 |
| Efficiency ratio | 58.7137% | 3,904 |
| Assets per employee ($millions) | 4.7154% | 2,856 |
| Cash dividends to net income (ytd only)* | 56.1694% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,969 |
| Loan loss allowance to noncurrent loans | 621.2291% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 3,807 |
| Noncurrent loans to loans | 0.1802% | 3,913 |
| Net loans and leases to total assets | 77.1680% | 1,361 |
| Net loans and leases to deposits | 91.3765% | 1,572 |
| Net loans and leases to core deposits | 99.4725% | 1,770 |
| Total domestic deposits to total assets | 84.4506% | 2,707 |
| Equity capital to assets | 13.1404% | 1,521 |
| Core capital (leverage) ratio | 12.9883% | 1,300 |
| Tier 1 risk-based capital ratio | 19.3592% | 1,469 |
| Total risk-based capital ratio | 20.6091% | 1,438 |
| Memoranda: | ||
| Average total assets | $125,621,000 | 3,680 |
| Average earning assets | $117,977,330 | 3,649 |
| Average equity | $16,304,330 | 3,537 |
| Average total loans | $99,659,000 | 3,288 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 1,952 |
| Cost of funding earning assets | 0.8496% | 2,274 |
| Net interest margin | 3.9340% | 2,080 |
| Noninterest income to average assets | 0.9169% | 1,003 |
| Noninterest expense to average assets | 2.7602% | 2,703 |
| Loan and lease loss provision to assets | 0.1443% | 1,182 |
| Net operating income to assets | 1.6829% | 758 |
| Return on assets (ROA) | 1.6766% | 794 |
| Pretax return on assets | 1.7023% | 1,200 |
| Return on Equity (ROE) | 13.0007% | 1,218 |
| Retained earnings to average equity (ytd only) | 6.5376% | 2,234 |
| Net charge-offs to loans | 0.0401% | 1,700 |
| Credit loss provision to net charge-offs | 450.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 57.8000% | 932 |
| Efficiency ratio | 59.8332% | 3,830 |
| Assets per employee ($millions) | 4.6783% | 2,944 |
| Cash dividends to net income (ytd only)* | 49.7132% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 3,199 |
| Loan loss allowance to noncurrent loans | 591.7127% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 3,829 |
| Noncurrent loans to loans | 0.1836% | 3,926 |
| Net loans and leases to total assets | 77.1813% | 1,293 |
| Net loans and leases to deposits | 92.1944% | 1,382 |
| Net loans and leases to core deposits | 99.4918% | 1,664 |
| Total domestic deposits to total assets | 83.7158% | 3,139 |
| Equity capital to assets | 12.9393% | 1,490 |
| Core capital (leverage) ratio | 12.9455% | 1,297 |
| Tier 1 risk-based capital ratio | 19.4689% | 1,445 |
| Total risk-based capital ratio | 20.7184% | 1,422 |
| Memoranda: | ||
| Average total assets | $124,773,000 | 3,725 |
| Average earning assets | $117,234,000 | 3,697 |
| Average equity | $16,091,500 | 3,569 |
| Average total loans | $99,808,500 | 3,330 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,774 |
| Cost of funding earning assets | 0.6326% | 2,505 |
| Net interest margin | 4.0826% | 1,741 |
| Noninterest income to average assets | 0.9300% | 1,105 |
| Noninterest expense to average assets | 2.7696% | 2,786 |
| Loan and lease loss provision to assets | 0.1337% | 1,624 |
| Net operating income to assets | 1.8368% | 513 |
| Return on assets (ROA) | 1.8769% | 468 |
| Pretax return on assets | 1.9045% | 714 |
| Return on Equity (ROE) | 15.3921% | 745 |
| Retained earnings to average equity (ytd only) | 8.8154% | 930 |
| Net charge-offs to loans | 0.0334% | 2,736 |
| Credit loss provision to net charge-offs | 500.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 74.7273% | 900 |
| Efficiency ratio | 58.0969% | 4,145 |
| Assets per employee ($millions) | 4.4012% | 3,304 |
| Cash dividends to net income (ytd only)* | 42.7277% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,517 |
| Loan loss allowance to noncurrent loans | 357.5862% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 3,420 |
| Noncurrent loans to loans | 0.2870% | 3,535 |
| Net loans and leases to total assets | 81.1625% | 787 |
| Net loans and leases to deposits | 97.8210% | 918 |
| Net loans and leases to core deposits | 105.9725% | 1,269 |
| Total domestic deposits to total assets | 82.9705% | 3,338 |
| Equity capital to assets | 12.8529% | 1,414 |
| Core capital (leverage) ratio | 12.8978% | 1,287 |
| Tier 1 risk-based capital ratio | 18.0682% | 1,739 |
| Total risk-based capital ratio | 19.2458% | 1,715 |
| Memoranda: | ||
| Average total assets | $123,446,200 | 3,737 |
| Average earning assets | $116,027,600 | 3,719 |
| Average equity | $15,053,200 | 3,636 |
| Average total loans | $98,823,600 | 3,326 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 1,865 |
| Cost of funding earning assets | 0.5719% | 2,691 |
| Net interest margin | 4.0708% | 1,720 |
| Noninterest income to average assets | 0.9231% | 1,131 |
| Noninterest expense to average assets | 2.7778% | 2,715 |
| Loan and lease loss provision to assets | 0.1457% | 1,361 |
| Net operating income to assets | 1.8002% | 601 |
| Return on assets (ROA) | 1.8537% | 542 |
| Pretax return on assets | 1.8807% | 846 |
| Return on Equity (ROE) | 15.4090% | 802 |
| Retained earnings to average equity (ytd only) | 7.5564% | 1,864 |
| Net charge-offs to loans | 0.0339% | 2,408 |
| Credit loss provision to net charge-offs | 540.0000% | 658 |
| Earnings coverage of net charge-offs (x) | 73.0855% | 929 |
| Efficiency ratio | 58.4773% | 4,045 |
| Assets per employee ($millions) | 4.3896% | 3,291 |
| Cash dividends to net income (ytd only)* | 50.9610% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,716 |
| Loan loss allowance to noncurrent loans | 1,990.1961% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 4,496 |
| Noncurrent loans to loans | 0.0506% | 4,667 |
| Net loans and leases to total assets | 81.2373% | 839 |
| Net loans and leases to deposits | 97.8653% | 957 |
| Net loans and leases to core deposits | 107.5902% | 1,193 |
| Total domestic deposits to total assets | 83.0094% | 3,306 |
| Equity capital to assets | 12.3856% | 1,654 |
| Core capital (leverage) ratio | 12.6368% | 1,443 |
| Tier 1 risk-based capital ratio | 18.0787% | 1,769 |
| Total risk-based capital ratio | 19.2682% | 1,745 |
| Memoranda: | ||
| Average total assets | $123,499,500 | 3,774 |
| Average earning assets | $116,108,750 | 3,752 |
| Average equity | $14,856,750 | 3,684 |
| Average total loans | $98,265,500 | 3,356 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 1,944 |
| Cost of funding earning assets | 0.5165% | 2,886 |
| Net interest margin | 4.0321% | 1,753 |
| Noninterest income to average assets | 0.8828% | 1,234 |
| Noninterest expense to average assets | 2.7648% | 2,786 |
| Loan and lease loss provision to assets | 0.1455% | 1,312 |
| Net operating income to assets | 1.7333% | 677 |
| Return on assets (ROA) | 1.7333% | 678 |
| Pretax return on assets | 1.7591% | 1,072 |
| Return on Equity (ROE) | 14.5507% | 948 |
| Retained earnings to average equity (ytd only) | 5.3887% | 2,882 |
| Net charge-offs to loans | 0.0472% | 1,939 |
| Credit loss provision to net charge-offs | 391.3043% | 835 |
| Earnings coverage of net charge-offs (x) | 51.2174% | 1,112 |
| Efficiency ratio | 59.2105% | 4,052 |
| Assets per employee ($millions) | 4.2216% | 3,545 |
| Cash dividends to net income (ytd only)* | 62.9664% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 3,910 |
| Loan loss allowance to noncurrent loans | 1,620.0000% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 4,283 |
| Noncurrent loans to loans | 0.0611% | 4,647 |
| Net loans and leases to total assets | 79.3596% | 1,114 |
| Net loans and leases to deposits | 93.0257% | 1,474 |
| Net loans and leases to core deposits | 100.9088% | 1,658 |
| Total domestic deposits to total assets | 85.3094% | 2,562 |
| Equity capital to assets | 12.2205% | 1,713 |
| Core capital (leverage) ratio | 12.4877% | 1,445 |
| Tier 1 risk-based capital ratio | 17.3957% | 1,968 |
| Total risk-based capital ratio | 18.5244% | 1,961 |
| Memoranda: | ||
| Average total assets | $123,696,330 | 3,799 |
| Average earning assets | $116,167,000 | 3,774 |
| Average equity | $14,734,670 | 3,713 |
| Average total loans | $97,399,670 | 3,385 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 1,987 |
| Cost of funding earning assets | 0.4694% | 3,049 |
| Net interest margin | 3.9919% | 1,749 |
| Noninterest income to average assets | 0.8558% | 1,278 |
| Noninterest expense to average assets | 2.7475% | 2,881 |
| Loan and lease loss provision to assets | 0.1448% | 1,290 |
| Net operating income to assets | 1.6858% | 701 |
| Return on assets (ROA) | 1.6858% | 710 |
| Pretax return on assets | 1.7115% | 1,086 |
| Return on Equity (ROE) | 14.3351% | 942 |
| Retained earnings to average equity (ytd only) | -2.7631% | 5,066 |
| Net charge-offs to loans | 0.0948% | 1,229 |
| Credit loss provision to net charge-offs | 195.6522% | 1,059 |
| Earnings coverage of net charge-offs (x) | 25.0870% | 1,347 |
| Efficiency ratio | 59.6785% | 4,107 |
| Assets per employee ($millions) | 4.6755% | 2,890 |
| Cash dividends to net income (ytd only)* | 119.2748% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 4,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 4,645 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 76.5570% | 1,446 |
| Net loans and leases to deposits | 87.9029% | 1,940 |
| Net loans and leases to core deposits | 92.4018% | 2,268 |
| Total domestic deposits to total assets | 87.0926% | 2,085 |
| Equity capital to assets | 11.4625% | 2,160 |
| Core capital (leverage) ratio | 12.0357% | 1,633 |
| Tier 1 risk-based capital ratio | 16.7194% | 2,206 |
| Total risk-based capital ratio | 17.7895% | 2,211 |
| Memoranda: | ||
| Average total assets | $124,332,000 | 3,825 |
| Average earning assets | $116,737,000 | 3,800 |
| Average equity | $14,621,500 | 3,756 |
| Average total loans | $97,035,500 | 3,413 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 1,407 |
| Cost of funding earning assets | 0.4420% | 2,858 |
| Net interest margin | 4.1648% | 1,266 |
| Noninterest income to average assets | 0.9403% | 1,166 |
| Noninterest expense to average assets | 2.8033% | 2,759 |
| Loan and lease loss provision to assets | 0.1394% | 1,643 |
| Net operating income to assets | 1.8858% | 350 |
| Return on assets (ROA) | 1.9778% | 298 |
| Pretax return on assets | 2.0074% | 480 |
| Return on Equity (ROE) | 16.6387% | 425 |
| Retained earnings to average equity (ytd only) | 10.0287% | 343 |
| Net charge-offs to loans | -0.0107% | 4,802 |
| Credit loss provision to net charge-offs | -1,650.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7144% | 4,559 |
| Assets per employee ($millions) | 4.3724% | 3,371 |
| Cash dividends to net income (ytd only)* | 39.7266% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 4,282 |
| Loan loss allowance to noncurrent loans | 624.1379% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 4,262 |
| Noncurrent loans to loans | 0.1503% | 4,322 |
| Net loans and leases to total assets | 78.0839% | 1,279 |
| Net loans and leases to deposits | 93.3499% | 1,348 |
| Net loans and leases to core deposits | 99.6425% | 1,738 |
| Total domestic deposits to total assets | 83.6464% | 3,332 |
| Equity capital to assets | 12.0669% | 1,789 |
| Core capital (leverage) ratio | 12.1376% | 1,535 |
| Tier 1 risk-based capital ratio | 17.0771% | 2,064 |
| Total risk-based capital ratio | 18.1368% | 2,071 |
| Memoranda: | ||
| Average total assets | $118,361,600 | 3,927 |
| Average earning assets | $111,314,000 | 3,894 |
| Average equity | $14,069,600 | 3,835 |
| Average total loans | $93,359,200 | 3,465 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 1,397 |
| Cost of funding earning assets | 0.4307% | 2,881 |
| Net interest margin | 4.1587% | 1,257 |
| Noninterest income to average assets | 0.9385% | 1,167 |
| Noninterest expense to average assets | 2.8167% | 2,673 |
| Loan and lease loss provision to assets | 0.1363% | 1,579 |
| Net operating income to assets | 1.8739% | 411 |
| Return on assets (ROA) | 1.9020% | 394 |
| Pretax return on assets | 1.9304% | 634 |
| Return on Equity (ROE) | 16.0643% | 524 |
| Retained earnings to average equity (ytd only) | 7.7635% | 1,319 |
| Net charge-offs to loans | -0.0173% | 4,805 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0154% | 4,502 |
| Assets per employee ($millions) | 4.4102% | 3,295 |
| Cash dividends to net income (ytd only)* | 51.6725% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 4,564 |
| Loan loss allowance to noncurrent loans | 1,038.5542% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 4,535 |
| Noncurrent loans to loans | 0.0868% | 4,723 |
| Net loans and leases to total assets | 79.6053% | 1,043 |
| Net loans and leases to deposits | 94.1816% | 1,281 |
| Net loans and leases to core deposits | 102.4126% | 1,515 |
| Total domestic deposits to total assets | 84.5232% | 2,911 |
| Equity capital to assets | 12.1008% | 1,899 |
| Core capital (leverage) ratio | 11.6866% | 1,896 |
| Tier 1 risk-based capital ratio | 17.7374% | 1,934 |
| Total risk-based capital ratio | 18.8309% | 1,925 |
| Memoranda: | ||
| Average total assets | $117,345,500 | 3,974 |
| Average earning assets | $110,513,500 | 3,943 |
| Average equity | $13,893,750 | 3,900 |
| Average total loans | $92,574,000 | 3,509 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 1,406 |
| Cost of funding earning assets | 0.4102% | 2,976 |
| Net interest margin | 4.1328% | 1,244 |
| Noninterest income to average assets | 0.9026% | 1,267 |
| Noninterest expense to average assets | 2.8295% | 2,648 |
| Loan and lease loss provision to assets | 0.1285% | 1,619 |
| Net operating income to assets | 1.8006% | 451 |
| Return on assets (ROA) | 1.8430% | 429 |
| Pretax return on assets | 1.8704% | 712 |
| Return on Equity (ROE) | 15.6828% | 570 |
| Retained earnings to average equity (ytd only) | 7.3021% | 1,452 |
| Net charge-offs to loans | -0.0262% | 4,899 |
| Credit loss provision to net charge-offs | -625.0000% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1267% | 4,452 |
| Assets per employee ($millions) | 4.2997% | 3,433 |
| Cash dividends to net income (ytd only)* | 53.4387% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 4,753 |
| Loan loss allowance to noncurrent loans | 1,339.3443% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 4,688 |
| Noncurrent loans to loans | 0.0649% | 4,867 |
| Net loans and leases to total assets | 77.3415% | 1,339 |
| Net loans and leases to deposits | 93.2351% | 1,339 |
| Net loans and leases to core deposits | 98.7423% | 1,749 |
| Total domestic deposits to total assets | 82.9532% | 3,585 |
| Equity capital to assets | 11.7541% | 2,112 |
| Core capital (leverage) ratio | 11.6886% | 1,837 |
| Tier 1 risk-based capital ratio | 16.2803% | 2,399 |
| Total risk-based capital ratio | 17.2530% | 2,444 |
| Memoranda: | ||
| Average total assets | $116,769,000 | 4,011 |
| Average earning assets | $109,708,000 | 3,982 |
| Average equity | $13,722,000 | 3,930 |
| Average total loans | $91,548,000 | 3,548 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 1,370 |
| Cost of funding earning assets | 0.4069% | 2,927 |
| Net interest margin | 4.0946% | 1,228 |
| Noninterest income to average assets | 0.9464% | 1,115 |
| Noninterest expense to average assets | 2.8880% | 2,493 |
| Loan and lease loss provision to assets | 0.1044% | 1,832 |
| Net operating income to assets | 1.7780% | 467 |
| Return on assets (ROA) | 1.7780% | 479 |
| Pretax return on assets | 1.8059% | 787 |
| Return on Equity (ROE) | 15.1323% | 625 |
| Retained earnings to average equity (ytd only) | 3.5832% | 3,647 |
| Net charge-offs to loans | -0.2922% | 5,680 |
| Credit loss provision to net charge-offs | -45.4545% | 3,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1885% | 4,428 |
| Assets per employee ($millions) | 4.1079% | 3,826 |
| Cash dividends to net income (ytd only)* | 76.3209% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 4,720 |
| Loan loss allowance to noncurrent loans | 243.6578% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 3,634 |
| Noncurrent loans to loans | 0.3733% | 3,755 |
| Net loans and leases to total assets | 78.2363% | 1,099 |
| Net loans and leases to deposits | 91.7385% | 1,351 |
| Net loans and leases to core deposits | 97.9419% | 1,660 |
| Total domestic deposits to total assets | 85.2819% | 2,971 |
| Equity capital to assets | 11.8543% | 1,939 |
| Core capital (leverage) ratio | 11.5145% | 1,935 |
| Tier 1 risk-based capital ratio | 16.7448% | 2,265 |
| Total risk-based capital ratio | 17.7851% | 2,296 |
| Memoranda: | ||
| Average total assets | $114,957,500 | 4,082 |
| Average earning assets | $108,141,500 | 4,046 |
| Average equity | $13,507,500 | 3,987 |
| Average total loans | $90,357,000 | 3,592 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 1,521 |
| Cost of funding earning assets | 0.4183% | 2,825 |
| Net interest margin | 4.0877% | 1,408 |
| Noninterest income to average assets | 1.0635% | 998 |
| Noninterest expense to average assets | 2.8378% | 2,887 |
| Loan and lease loss provision to assets | 0.1579% | 1,573 |
| Net operating income to assets | 1.8795% | 387 |
| Return on assets (ROA) | 1.9164% | 384 |
| Pretax return on assets | 1.9471% | 565 |
| Return on Equity (ROE) | 16.9755% | 408 |
| Retained earnings to average equity (ytd only) | 10.8740% | 319 |
| Net charge-offs to loans | 0.5489% | 435 |
| Credit loss provision to net charge-offs | 37.8151% | 3,516 |
| Earnings coverage of net charge-offs (x) | 4.9496% | 3,416 |
| Efficiency ratio | 57.8533% | 4,870 |
| Assets per employee ($millions) | 4.1033% | 3,779 |
| Cash dividends to net income (ytd only)* | 35.9432% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 5,076 |
| Loan loss allowance to noncurrent loans | 675.9259% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 4,619 |
| Noncurrent loans to loans | 0.1201% | 4,753 |
| Net loans and leases to total assets | 77.6105% | 1,266 |
| Net loans and leases to deposits | 92.1891% | 1,429 |
| Net loans and leases to core deposits | 98.9129% | 1,716 |
| Total domestic deposits to total assets | 84.1862% | 3,353 |
| Equity capital to assets | 11.6456% | 2,048 |
| Core capital (leverage) ratio | 11.4755% | 1,948 |
| Tier 1 risk-based capital ratio | 16.0953% | 2,505 |
| Total risk-based capital ratio | 16.9872% | 2,581 |
| Memoranda: | ||
| Average total assets | $113,962,000 | 4,091 |
| Average earning assets | $107,102,600 | 4,055 |
| Average equity | $12,865,600 | 4,110 |
| Average total loans | $86,711,400 | 3,646 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 1,603 |
| Cost of funding earning assets | 0.4214% | 2,830 |
| Net interest margin | 4.0593% | 1,505 |
| Noninterest income to average assets | 1.0961% | 944 |
| Noninterest expense to average assets | 2.9250% | 2,559 |
| Loan and lease loss provision to assets | 0.1583% | 1,464 |
| Net operating income to assets | 1.8006% | 492 |
| Return on assets (ROA) | 1.8500% | 467 |
| Pretax return on assets | 1.8804% | 742 |
| Return on Equity (ROE) | 16.5184% | 491 |
| Retained earnings to average equity (ytd only) | 8.8244% | 873 |
| Net charge-offs to loans | 0.7418% | 249 |
| Credit loss provision to net charge-offs | 28.2427% | 3,238 |
| Earnings coverage of net charge-offs (x) | 3.5481% | 3,400 |
| Efficiency ratio | 59.5323% | 4,609 |
| Assets per employee ($millions) | 4.5840% | 2,947 |
| Cash dividends to net income (ytd only)* | 46.5781% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 5,287 |
| Loan loss allowance to noncurrent loans | 215.1420% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,983 |
| Noncurrent loans to loans | 0.3559% | 3,982 |
| Net loans and leases to total assets | 77.1351% | 1,338 |
| Net loans and leases to deposits | 90.0071% | 1,753 |
| Net loans and leases to core deposits | 95.7693% | 2,018 |
| Total domestic deposits to total assets | 85.6988% | 2,509 |
| Equity capital to assets | 11.6284% | 2,414 |
| Core capital (leverage) ratio | 10.9655% | 2,482 |
| Tier 1 risk-based capital ratio | 16.5315% | 2,404 |
| Total risk-based capital ratio | 17.4250% | 2,505 |
| Memoranda: | ||
| Average total assets | $113,729,250 | 4,127 |
| Average earning assets | $106,945,500 | 4,086 |
| Average equity | $12,737,000 | 4,170 |
| Average total loans | $85,914,500 | 3,683 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 1,734 |
| Cost of funding earning assets | 0.4258% | 2,771 |
| Net interest margin | 4.0065% | 1,622 |
| Noninterest income to average assets | 1.0332% | 1,048 |
| Noninterest expense to average assets | 2.9443% | 2,535 |
| Loan and lease loss provision to assets | 0.1587% | 1,435 |
| Net operating income to assets | 1.6670% | 621 |
| Return on assets (ROA) | 1.7137% | 595 |
| Pretax return on assets | 1.7437% | 993 |
| Return on Equity (ROE) | 15.5016% | 609 |
| Retained earnings to average equity (ytd only) | 5.6935% | 2,306 |
| Net charge-offs to loans | 1.1101% | 155 |
| Credit loss provision to net charge-offs | 19.1083% | 2,935 |
| Earnings coverage of net charge-offs (x) | 2.2335% | 3,306 |
| Efficiency ratio | 61.3519% | 4,451 |
| Assets per employee ($millions) | 4.4761% | 3,071 |
| Cash dividends to net income (ytd only)* | 63.2716% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 5,399 |
| Loan loss allowance to noncurrent loans | 484.2105% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 4,665 |
| Noncurrent loans to loans | 0.1554% | 4,817 |
| Net loans and leases to total assets | 72.9943% | 2,017 |
| Net loans and leases to deposits | 85.8436% | 2,262 |
| Net loans and leases to core deposits | 88.5542% | 2,675 |
| Total domestic deposits to total assets | 85.0317% | 2,866 |
| Equity capital to assets | 11.1386% | 2,911 |
| Core capital (leverage) ratio | 10.6266% | 2,821 |
| Tier 1 risk-based capital ratio | 14.7001% | 3,205 |
| Total risk-based capital ratio | 15.4805% | 3,396 |
| Memoranda: | ||
| Average total assets | $113,439,330 | 4,161 |
| Average earning assets | $106,626,670 | 4,123 |
| Average equity | $12,540,670 | 4,225 |
| Average total loans | $84,860,000 | 3,723 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 1,753 |
| Cost of funding earning assets | 0.4296% | 2,774 |
| Net interest margin | 3.9884% | 1,648 |
| Noninterest income to average assets | 0.8895% | 1,341 |
| Noninterest expense to average assets | 2.8865% | 2,749 |
| Loan and lease loss provision to assets | 0.1608% | 1,290 |
| Net operating income to assets | 1.5559% | 774 |
| Return on assets (ROA) | 1.6469% | 681 |
| Pretax return on assets | 1.6826% | 1,109 |
| Return on Equity (ROE) | 14.9560% | 675 |
| Retained earnings to average equity (ytd only) | 1.1679% | 4,776 |
| Net charge-offs to loans | 2.4239% | 55 |
| Credit loss provision to net charge-offs | 8.7891% | 2,368 |
| Earnings coverage of net charge-offs (x) | 0.9570% | 2,880 |
| Efficiency ratio | 62.2496% | 4,417 |
| Assets per employee ($millions) | 4.1395% | 3,690 |
| Cash dividends to net income (ytd only)* | 92.1909% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6674% | 5,650 |
| Loan loss allowance to noncurrent loans | 1,166.6667% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 5,020 |
| Noncurrent loans to loans | 0.0572% | 5,252 |
| Net loans and leases to total assets | 74.5685% | 1,635 |
| Net loans and leases to deposits | 89.7967% | 1,600 |
| Net loans and leases to core deposits | 93.8843% | 1,999 |
| Total domestic deposits to total assets | 83.0415% | 3,875 |
| Equity capital to assets | 11.0927% | 2,834 |
| Core capital (leverage) ratio | 10.6437% | 2,803 |
| Tier 1 risk-based capital ratio | 15.3143% | 3,010 |
| Total risk-based capital ratio | 16.0404% | 3,186 |
| Memoranda: | ||
| Average total assets | $111,969,500 | 4,222 |
| Average earning assets | $105,205,000 | 4,180 |
| Average equity | $12,329,500 | 4,280 |
| Average total loans | $84,493,000 | 3,740 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 1,545 |
| Cost of funding earning assets | 0.4472% | 2,653 |
| Net interest margin | 4.0696% | 1,487 |
| Noninterest income to average assets | 0.8031% | 1,778 |
| Noninterest expense to average assets | 2.7497% | 3,411 |
| Loan and lease loss provision to assets | 0.1366% | 1,736 |
| Net operating income to assets | 1.7581% | 519 |
| Return on assets (ROA) | 1.7964% | 500 |
| Pretax return on assets | 1.8256% | 765 |
| Return on Equity (ROE) | 16.9802% | 455 |
| Retained earnings to average equity (ytd only) | 9.0538% | 640 |
| Net charge-offs to loans | -0.0012% | 4,848 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8465% | 5,044 |
| Assets per employee ($millions) | 4.1545% | 3,651 |
| Cash dividends to net income (ytd only)* | 46.6802% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 3,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 5,130 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 74.9358% | 1,582 |
| Net loans and leases to deposits | 89.9804% | 1,617 |
| Net loans and leases to core deposits | 94.8553% | 1,965 |
| Total domestic deposits to total assets | 83.2801% | 3,746 |
| Equity capital to assets | 10.9305% | 2,896 |
| Core capital (leverage) ratio | 10.4966% | 2,932 |
| Tier 1 risk-based capital ratio | 15.4228% | 2,974 |
| Total risk-based capital ratio | 16.6737% | 2,911 |
| Memoranda: | ||
| Average total assets | $109,829,400 | 4,263 |
| Average earning assets | $104,431,800 | 4,177 |
| Average equity | $11,619,400 | 4,365 |
| Average total loans | $82,200,200 | 3,765 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 1,565 |
| Cost of funding earning assets | 0.4477% | 2,712 |
| Net interest margin | 4.0630% | 1,522 |
| Noninterest income to average assets | 0.8165% | 1,743 |
| Noninterest expense to average assets | 2.7656% | 3,324 |
| Loan and lease loss provision to assets | 0.1648% | 1,289 |
| Net operating income to assets | 1.7217% | 598 |
| Return on assets (ROA) | 1.7599% | 582 |
| Pretax return on assets | 1.7904% | 919 |
| Return on Equity (ROE) | 16.7783% | 494 |
| Retained earnings to average equity (ytd only) | 6.6555% | 1,860 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0719% | 5,001 |
| Assets per employee ($millions) | 4.6535% | 2,764 |
| Cash dividends to net income (ytd only)* | 60.3328% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 3,542 |
| Loan loss allowance to noncurrent loans | 268.1698% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 4,096 |
| Noncurrent loans to loans | 0.4550% | 3,990 |
| Net loans and leases to total assets | 73.2827% | 1,856 |
| Net loans and leases to deposits | 88.5337% | 1,833 |
| Net loans and leases to core deposits | 95.2140% | 1,961 |
| Total domestic deposits to total assets | 82.7737% | 3,890 |
| Equity capital to assets | 10.5709% | 3,522 |
| Core capital (leverage) ratio | 10.1941% | 3,377 |
| Tier 1 risk-based capital ratio | 15.1149% | 3,238 |
| Total risk-based capital ratio | 16.3649% | 3,173 |
| Memoranda: | ||
| Average total assets | $109,243,750 | 4,318 |
| Average earning assets | $103,928,000 | 4,241 |
| Average equity | $11,459,000 | 4,447 |
| Average total loans | $81,479,500 | 3,819 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 1,558 |
| Cost of funding earning assets | 0.4492% | 2,736 |
| Net interest margin | 4.0452% | 1,508 |
| Noninterest income to average assets | 0.7802% | 1,867 |
| Noninterest expense to average assets | 2.7612% | 3,376 |
| Loan and lease loss provision to assets | 0.1660% | 1,265 |
| Net operating income to assets | 1.6753% | 653 |
| Return on assets (ROA) | 1.6969% | 659 |
| Pretax return on assets | 1.7283% | 1,025 |
| Return on Equity (ROE) | 16.2210% | 587 |
| Retained earnings to average equity (ytd only) | 4.5842% | 3,118 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5939% | 5,035 |
| Assets per employee ($millions) | 4.2398% | 3,402 |
| Cash dividends to net income (ytd only)* | 71.7391% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 4,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 5,535 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 74.8490% | 1,528 |
| Net loans and leases to deposits | 86.9889% | 1,944 |
| Net loans and leases to core deposits | 92.8789% | 2,076 |
| Total domestic deposits to total assets | 86.0442% | 2,677 |
| Equity capital to assets | 10.3017% | 3,690 |
| Core capital (leverage) ratio | 10.0145% | 3,572 |
| Tier 1 risk-based capital ratio | 14.7758% | 3,490 |
| Total risk-based capital ratio | 16.0258% | 3,419 |
| Memoranda: | ||
| Average total assets | $108,430,330 | 4,371 |
| Average earning assets | $103,284,000 | 4,293 |
| Average equity | $11,343,330 | 4,499 |
| Average total loans | $81,020,670 | 3,846 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 1,624 |
| Cost of funding earning assets | 0.4538% | 2,736 |
| Net interest margin | 3.9904% | 1,590 |
| Noninterest income to average assets | 0.6993% | 2,164 |
| Noninterest expense to average assets | 2.7118% | 3,543 |
| Loan and lease loss provision to assets | 0.1674% | 1,195 |
| Net operating income to assets | 1.5768% | 741 |
| Return on assets (ROA) | 1.5549% | 812 |
| Pretax return on assets | 1.5921% | 1,289 |
| Return on Equity (ROE) | 14.7482% | 745 |
| Retained earnings to average equity (ytd only) | -2.3639% | 5,727 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3477% | 5,048 |
| Assets per employee ($millions) | 4.0370% | 3,883 |
| Cash dividends to net income (ytd only)* | 116.0287% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 4,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 5,606 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 73.0465% | 1,645 |
| Net loans and leases to deposits | 83.8927% | 2,094 |
| Net loans and leases to core deposits | 89.9062% | 2,140 |
| Total domestic deposits to total assets | 87.0714% | 2,334 |
| Equity capital to assets | 10.4432% | 3,596 |
| Core capital (leverage) ratio | 9.9077% | 3,734 |
| Tier 1 risk-based capital ratio | 14.0070% | 4,008 |
| Total risk-based capital ratio | 15.2100% | 3,971 |
| Memoranda: | ||
| Average total assets | $107,528,500 | 4,425 |
| Average earning assets | $102,246,000 | 4,339 |
| Average equity | $11,337,000 | 4,539 |
| Average total loans | $79,794,000 | 3,898 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 1,567 |
| Cost of funding earning assets | 0.5019% | 2,660 |
| Net interest margin | 4.0942% | 1,595 |
| Noninterest income to average assets | 0.8027% | 1,867 |
| Noninterest expense to average assets | 2.6595% | 4,010 |
| Loan and lease loss provision to assets | 0.1699% | 1,532 |
| Net operating income to assets | 1.8273% | 453 |
| Return on assets (ROA) | 1.8850% | 420 |
| Pretax return on assets | 1.9112% | 623 |
| Return on Equity (ROE) | 18.0403% | 389 |
| Retained earnings to average equity (ytd only) | 12.2622% | 278 |
| Net charge-offs to loans | 0.0177% | 4,508 |
| Credit loss provision to net charge-offs | 1,346.1538% | 213 |
| Earnings coverage of net charge-offs (x) | 160.3077% | 337 |
| Efficiency ratio | 56.7993% | 5,587 |
| Assets per employee ($millions) | 3.9281% | 4,104 |
| Cash dividends to net income (ytd only)* | 32.0288% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 4,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 5,684 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 73.7172% | 1,634 |
| Net loans and leases to deposits | 85.1286% | 2,081 |
| Net loans and leases to core deposits | 92.1632% | 2,073 |
| Total domestic deposits to total assets | 86.5951% | 2,515 |
| Equity capital to assets | 10.6461% | 3,303 |
| Core capital (leverage) ratio | 10.1152% | 3,416 |
| Tier 1 risk-based capital ratio | 13.7005% | 4,298 |
| Total risk-based capital ratio | 14.8122% | 4,309 |
| Memoranda: | ||
| Average total assets | $103,026,000 | 4,528 |
| Average earning assets | $97,626,000 | 4,461 |
| Average equity | $10,764,800 | 4,605 |
| Average total loans | $73,568,000 | 4,073 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 1,839 |
| Cost of funding earning assets | 0.5095% | 2,666 |
| Net interest margin | 3.9992% | 1,883 |
| Noninterest income to average assets | 0.7940% | 1,919 |
| Noninterest expense to average assets | 2.6779% | 3,906 |
| Loan and lease loss provision to assets | 0.1760% | 1,395 |
| Net operating income to assets | 1.7019% | 608 |
| Return on assets (ROA) | 1.7522% | 575 |
| Pretax return on assets | 1.7770% | 926 |
| Return on Equity (ROE) | 16.8524% | 568 |
| Retained earnings to average equity (ytd only) | 9.7051% | 776 |
| Net charge-offs to loans | -0.0259% | 5,692 |
| Credit loss provision to net charge-offs | -964.2857% | 5,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4685% | 5,380 |
| Assets per employee ($millions) | 4.0983% | 3,673 |
| Cash dividends to net income (ytd only)* | 42.4105% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 4,769 |
| Loan loss allowance to noncurrent loans | 786.2385% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 5,459 |
| Noncurrent loans to loans | 0.1394% | 5,506 |
| Net loans and leases to total assets | 72.5938% | 1,744 |
| Net loans and leases to deposits | 83.9133% | 2,163 |
| Net loans and leases to core deposits | 91.9665% | 2,042 |
| Total domestic deposits to total assets | 86.5104% | 2,583 |
| Equity capital to assets | 10.5212% | 3,527 |
| Core capital (leverage) ratio | 10.2331% | 3,365 |
| Tier 1 risk-based capital ratio | 13.9426% | 4,256 |
| Total risk-based capital ratio | 15.0618% | 4,282 |
| Memoranda: | ||
| Average total assets | $102,268,000 | 4,589 |
| Average earning assets | $96,816,750 | 4,530 |
| Average equity | $10,633,250 | 4,662 |
| Average total loans | $72,196,750 | 4,151 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 1,925 |
| Cost of funding earning assets | 0.5187% | 2,649 |
| Net interest margin | 3.9524% | 1,958 |
| Noninterest income to average assets | 0.7953% | 1,854 |
| Noninterest expense to average assets | 2.6795% | 3,946 |
| Loan and lease loss provision to assets | 0.1785% | 1,374 |
| Net operating income to assets | 1.6480% | 642 |
| Return on assets (ROA) | 1.6283% | 693 |
| Pretax return on assets | 1.6502% | 1,137 |
| Return on Equity (ROE) | 15.7270% | 680 |
| Retained earnings to average equity (ytd only) | 7.1068% | 1,719 |
| Net charge-offs to loans | -0.0256% | 5,630 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1765% | 5,406 |
| Assets per employee ($millions) | 4.1098% | 3,623 |
| Cash dividends to net income (ytd only)* | 54.8112% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 4,908 |
| Loan loss allowance to noncurrent loans | 368.4932% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 5,048 |
| Noncurrent loans to loans | 0.2984% | 5,122 |
| Net loans and leases to total assets | 70.6435% | 1,975 |
| Net loans and leases to deposits | 79.6467% | 2,570 |
| Net loans and leases to core deposits | 86.4710% | 2,471 |
| Total domestic deposits to total assets | 88.6962% | 1,538 |
| Equity capital to assets | 10.5466% | 3,386 |
| Core capital (leverage) ratio | 10.0599% | 3,522 |
| Tier 1 risk-based capital ratio | 13.8698% | 4,336 |
| Total risk-based capital ratio | 14.9595% | 4,392 |
| Memoranda: | ||
| Average total assets | $100,838,670 | 4,667 |
| Average earning assets | $95,233,670 | 4,604 |
| Average equity | $10,440,670 | 4,720 |
| Average total loans | $70,192,330 | 4,228 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 2,198 |
| Cost of funding earning assets | 0.5263% | 2,641 |
| Net interest margin | 3.8581% | 2,237 |
| Noninterest income to average assets | 0.7288% | 2,039 |
| Noninterest expense to average assets | 2.6350% | 4,165 |
| Loan and lease loss provision to assets | 0.1802% | 1,335 |
| Net operating income to assets | 1.5337% | 760 |
| Return on assets (ROA) | 1.5337% | 795 |
| Pretax return on assets | 1.5538% | 1,282 |
| Return on Equity (ROE) | 14.9566% | 779 |
| Retained earnings to average equity (ytd only) | 9.4894% | 1,107 |
| Net charge-offs to loans | -0.0233% | 5,427 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3116% | 5,356 |
| Assets per employee ($millions) | 4.1153% | 3,693 |
| Cash dividends to net income (ytd only)* | 36.5535% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 5,132 |
| Loan loss allowance to noncurrent loans | 241.0828% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 5,144 |
| Noncurrent loans to loans | 0.4551% | 4,788 |
| Net loans and leases to total assets | 66.3274% | 2,508 |
| Net loans and leases to deposits | 74.4268% | 3,019 |
| Net loans and leases to core deposits | 80.3256% | 2,930 |
| Total domestic deposits to total assets | 89.1176% | 1,579 |
| Equity capital to assets | 10.1816% | 3,619 |
| Core capital (leverage) ratio | 10.1531% | 3,347 |
| Tier 1 risk-based capital ratio | 14.4487% | 4,029 |
| Total risk-based capital ratio | 15.5269% | 4,096 |
| Memoranda: | ||
| Average total assets | $99,886,000 | 4,741 |
| Average earning assets | $94,242,500 | 4,676 |
| Average equity | $10,243,000 | 4,768 |
| Average total loans | $68,594,000 | 4,315 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 2,183 |
| Cost of funding earning assets | 0.5877% | 2,772 |
| Net interest margin | 3.9175% | 2,228 |
| Noninterest income to average assets | 0.9180% | 1,618 |
| Noninterest expense to average assets | 2.6213% | 4,389 |
| Loan and lease loss provision to assets | 0.1412% | 2,543 |
| Net operating income to assets | 1.7927% | 490 |
| Return on assets (ROA) | 1.8194% | 474 |
| Pretax return on assets | 1.8560% | 670 |
| Return on Equity (ROE) | 17.7446% | 433 |
| Retained earnings to average equity (ytd only) | 9.5352% | 659 |
| Net charge-offs to loans | 0.0456% | 4,580 |
| Credit loss provision to net charge-offs | 465.5172% | 494 |
| Earnings coverage of net charge-offs (x) | 64.9655% | 643 |
| Efficiency ratio | 57.0941% | 5,840 |
| Assets per employee ($millions) | 3.7265% | 4,419 |
| Cash dividends to net income (ytd only)* | 46.2644% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 5,384 |
| Loan loss allowance to noncurrent loans | 251.9573% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 5,296 |
| Noncurrent loans to loans | 0.4121% | 4,975 |
| Net loans and leases to total assets | 69.6501% | 2,074 |
| Net loans and leases to deposits | 78.2514% | 2,693 |
| Net loans and leases to core deposits | 84.2602% | 2,647 |
| Total domestic deposits to total assets | 89.0082% | 1,617 |
| Equity capital to assets | 10.3323% | 3,361 |
| Core capital (leverage) ratio | 10.1827% | 3,318 |
| Tier 1 risk-based capital ratio | 14.6869% | 3,847 |
| Total risk-based capital ratio | 15.7371% | 3,901 |
| Memoranda: | ||
| Average total assets | $95,638,200 | 4,845 |
| Average earning assets | $89,674,800 | 4,785 |
| Average equity | $9,805,800 | 4,894 |
| Average total loans | $63,590,200 | 4,497 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 2,358 |
| Cost of funding earning assets | 0.5929% | 2,870 |
| Net interest margin | 3.8738% | 2,367 |
| Noninterest income to average assets | 0.9693% | 1,542 |
| Noninterest expense to average assets | 2.5316% | 4,615 |
| Loan and lease loss provision to assets | 0.1888% | 1,941 |
| Net operating income to assets | 1.8044% | 523 |
| Return on assets (ROA) | 1.8393% | 504 |
| Pretax return on assets | 1.9134% | 689 |
| Return on Equity (ROE) | 17.9742% | 445 |
| Retained earnings to average equity (ytd only) | 6.9847% | 1,886 |
| Net charge-offs to loans | -0.0342% | 6,194 |
| Credit loss provision to net charge-offs | -843.7500% | 6,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0654% | 6,014 |
| Assets per employee ($millions) | 3.6824% | 4,485 |
| Cash dividends to net income (ytd only)* | 61.1405% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 5,173 |
| Loan loss allowance to noncurrent loans | 432.7586% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 5,561 |
| Noncurrent loans to loans | 0.2631% | 5,573 |
| Net loans and leases to total assets | 68.2786% | 2,255 |
| Net loans and leases to deposits | 76.7628% | 2,853 |
| Net loans and leases to core deposits | 82.9805% | 2,763 |
| Total domestic deposits to total assets | 88.9475% | 1,580 |
| Equity capital to assets | 10.1678% | 3,680 |
| Core capital (leverage) ratio | 9.8951% | 3,824 |
| Tier 1 risk-based capital ratio | 14.6295% | 3,996 |
| Total risk-based capital ratio | 15.7919% | 4,002 |
| Memoranda: | ||
| Average total assets | $95,325,250 | 4,900 |
| Average earning assets | $89,280,500 | 4,839 |
| Average equity | $9,754,500 | 4,961 |
| Average total loans | $62,439,750 | 4,568 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 2,545 |
| Cost of funding earning assets | 0.5956% | 2,979 |
| Net interest margin | 3.8097% | 2,516 |
| Noninterest income to average assets | 1.0506% | 1,379 |
| Noninterest expense to average assets | 2.5004% | 4,726 |
| Loan and lease loss provision to assets | 0.1891% | 1,999 |
| Net operating income to assets | 1.8301% | 483 |
| Return on assets (ROA) | 1.8301% | 517 |
| Pretax return on assets | 1.9226% | 713 |
| Return on Equity (ROE) | 17.8465% | 470 |
| Retained earnings to average equity (ytd only) | 4.1389% | 3,651 |
| Net charge-offs to loans | -0.0555% | 6,302 |
| Credit loss provision to net charge-offs | -529.4118% | 5,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2141% | 6,130 |
| Assets per employee ($millions) | 3.8000% | 4,206 |
| Cash dividends to net income (ytd only)* | 76.8083% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,342 |
| Loan loss allowance to noncurrent loans | 290.5738% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 5,389 |
| Noncurrent loans to loans | 0.3875% | 5,302 |
| Net loans and leases to total assets | 65.5347% | 2,674 |
| Net loans and leases to deposits | 73.8573% | 3,178 |
| Net loans and leases to core deposits | 78.5451% | 3,223 |
| Total domestic deposits to total assets | 88.7316% | 1,764 |
| Equity capital to assets | 9.8989% | 4,055 |
| Core capital (leverage) ratio | 9.4291% | 4,348 |
| Tier 1 risk-based capital ratio | 14.7850% | 3,917 |
| Total risk-based capital ratio | 15.9283% | 3,944 |
| Memoranda: | ||
| Average total assets | $95,186,000 | 4,932 |
| Average earning assets | $88,983,000 | 4,872 |
| Average equity | $9,761,000 | 4,995 |
| Average total loans | $61,211,330 | 4,633 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 3,024 |
| Cost of funding earning assets | 0.5868% | 3,243 |
| Net interest margin | 3.6830% | 2,932 |
| Noninterest income to average assets | 0.8606% | 1,897 |
| Noninterest expense to average assets | 2.4517% | 4,947 |
| Loan and lease loss provision to assets | 0.1889% | 1,944 |
| Net operating income to assets | 1.5155% | 832 |
| Return on assets (ROA) | 1.5155% | 909 |
| Pretax return on assets | 1.6457% | 1,199 |
| Return on Equity (ROE) | 14.5279% | 859 |
| Retained earnings to average equity (ytd only) | -2.1731% | 6,096 |
| Net charge-offs to loans | -0.0862% | 6,378 |
| Credit loss provision to net charge-offs | -346.1538% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1988% | 5,936 |
| Assets per employee ($millions) | 3.8992% | 4,160 |
| Cash dividends to net income (ytd only)* | 114.9584% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 5,581 |
| Loan loss allowance to noncurrent loans | 365.5738% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 5,687 |
| Noncurrent loans to loans | 0.3026% | 5,644 |
| Net loans and leases to total assets | 61.3443% | 3,200 |
| Net loans and leases to deposits | 69.2864% | 3,605 |
| Net loans and leases to core deposits | 73.8232% | 3,601 |
| Total domestic deposits to total assets | 88.5373% | 1,977 |
| Equity capital to assets | 10.1066% | 4,010 |
| Core capital (leverage) ratio | 9.3106% | 4,383 |
| Tier 1 risk-based capital ratio | 14.3858% | 4,250 |
| Total risk-based capital ratio | 15.4656% | 4,314 |
| Memoranda: | ||
| Average total assets | $95,279,000 | 4,967 |
| Average earning assets | $88,623,000 | 4,922 |
| Average equity | $9,939,500 | 4,997 |
| Average total loans | $60,333,500 | 4,694 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 1,668 |
| Cost of funding earning assets | 0.8237% | 2,476 |
| Net interest margin | 4.1336% | 1,875 |
| Noninterest income to average assets | 0.8896% | 1,897 |
| Noninterest expense to average assets | 2.4661% | 5,204 |
| Loan and lease loss provision to assets | 0.2178% | 2,958 |
| Net operating income to assets | 2.0271% | 340 |
| Return on assets (ROA) | 2.0271% | 372 |
| Pretax return on assets | 2.0364% | 563 |
| Return on Equity (ROE) | 18.3824% | 410 |
| Retained earnings to average equity (ytd only) | 15.7458% | 132 |
| Net charge-offs to loans | 0.1609% | 4,096 |
| Credit loss provision to net charge-offs | 206.5934% | 1,241 |
| Earnings coverage of net charge-offs (x) | 21.3846% | 1,302 |
| Efficiency ratio | 52.2454% | 6,445 |
| Assets per employee ($millions) | 3.7231% | 4,523 |
| Cash dividends to net income (ytd only)* | 14.3429% | 3,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 5,913 |
| Loan loss allowance to noncurrent loans | 636.4583% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 5,932 |
| Noncurrent loans to loans | 0.1595% | 6,080 |
| Net loans and leases to total assets | 64.0201% | 2,895 |
| Net loans and leases to deposits | 73.2814% | 3,211 |
| Net loans and leases to core deposits | 78.6184% | 3,183 |
| Total domestic deposits to total assets | 87.3621% | 2,607 |
| Equity capital to assets | 10.7728% | 3,202 |
| Core capital (leverage) ratio | 9.9030% | 3,542 |
| Tier 1 risk-based capital ratio | 12.0047% | 5,789 |
| Total risk-based capital ratio | 12.8226% | 6,013 |
| Memoranda: | ||
| Average total assets | $86,329,000 | 5,178 |
| Average earning assets | $80,003,800 | 5,125 |
| Average equity | $9,520,000 | 5,102 |
| Average total loans | $56,563,200 | 4,850 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3656% | 892 |
| Cost of funding earning assets | 0.8739% | 2,367 |
| Net interest margin | 4.4916% | 1,009 |
| Noninterest income to average assets | 0.3796% | 4,787 |
| Noninterest expense to average assets | 2.3676% | 5,493 |
| Loan and lease loss provision to assets | 0.1859% | 3,265 |
| Net operating income to assets | 1.9911% | 388 |
| Return on assets (ROA) | 1.9911% | 438 |
| Pretax return on assets | 2.0037% | 700 |
| Return on Equity (ROE) | 17.9415% | 505 |
| Retained earnings to average equity (ytd only) | 14.6627% | 259 |
| Net charge-offs to loans | 0.0814% | 4,583 |
| Credit loss provision to net charge-offs | 347.0588% | 773 |
| Earnings coverage of net charge-offs (x) | 40.8844% | 869 |
| Efficiency ratio | 51.9530% | 6,451 |
| Assets per employee ($millions) | 3.7012% | 4,539 |
| Cash dividends to net income (ytd only)* | 18.2752% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 6,061 |
| Loan loss allowance to noncurrent loans | 239.2000% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 5,812 |
| Noncurrent loans to loans | 0.4202% | 5,611 |
| Net loans and leases to total assets | 66.3124% | 2,593 |
| Net loans and leases to deposits | 76.9906% | 2,818 |
| Net loans and leases to core deposits | 81.1272% | 3,076 |
| Total domestic deposits to total assets | 86.1305% | 3,179 |
| Equity capital to assets | 11.1530% | 3,089 |
| Core capital (leverage) ratio | 10.0473% | 3,478 |
| Tier 1 risk-based capital ratio | 15.3338% | 3,628 |
| Total risk-based capital ratio | 16.3816% | 3,707 |
| Memoranda: | ||
| Average total assets | $84,642,000 | 5,280 |
| Average earning assets | $78,722,000 | 5,217 |
| Average equity | $9,393,250 | 5,179 |
| Average total loans | $55,654,250 | 4,931 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 954 |
| Cost of funding earning assets | 0.9102% | 2,318 |
| Net interest margin | 4.4427% | 1,097 |
| Noninterest income to average assets | 0.3868% | 4,751 |
| Noninterest expense to average assets | 2.3881% | 5,499 |
| Loan and lease loss provision to assets | 0.1802% | 3,296 |
| Net operating income to assets | 1.9388% | 429 |
| Return on assets (ROA) | 1.9388% | 494 |
| Pretax return on assets | 1.9580% | 744 |
| Return on Equity (ROE) | 17.5016% | 572 |
| Retained earnings to average equity (ytd only) | 13.4678% | 395 |
| Net charge-offs to loans | 0.1435% | 3,771 |
| Credit loss provision to net charge-offs | 192.3077% | 1,472 |
| Earnings coverage of net charge-offs (x) | 22.8205% | 1,275 |
| Efficiency ratio | 52.7601% | 6,443 |
| Assets per employee ($millions) | 3.9332% | 4,014 |
| Cash dividends to net income (ytd only)* | 23.0483% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 6,343 |
| Loan loss allowance to noncurrent loans | 234.0426% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 5,908 |
| Noncurrent loans to loans | 0.4032% | 5,727 |
| Net loans and leases to total assets | 66.7171% | 2,520 |
| Net loans and leases to deposits | 77.4674% | 2,758 |
| Net loans and leases to core deposits | 79.2790% | 3,327 |
| Total domestic deposits to total assets | 86.1229% | 3,294 |
| Equity capital to assets | 11.1463% | 2,964 |
| Core capital (leverage) ratio | 9.9087% | 3,557 |
| Tier 1 risk-based capital ratio | 15.6510% | 3,360 |
| Total risk-based capital ratio | 16.6533% | 3,464 |
| Memoranda: | ||
| Average total assets | $83,246,670 | 5,343 |
| Average earning assets | $77,565,330 | 5,283 |
| Average equity | $9,222,000 | 5,220 |
| Average total loans | $54,371,670 | 5,016 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1895% | 1,340 |
| Cost of funding earning assets | 0.9546% | 2,274 |
| Net interest margin | 4.2349% | 1,654 |
| Noninterest income to average assets | 0.4264% | 4,476 |
| Noninterest expense to average assets | 2.2744% | 5,840 |
| Loan and lease loss provision to assets | 0.1863% | 3,106 |
| Net operating income to assets | 1.8626% | 524 |
| Return on assets (ROA) | 1.8626% | 597 |
| Pretax return on assets | 1.9019% | 874 |
| Return on Equity (ROE) | 16.8692% | 691 |
| Retained earnings to average equity (ytd only) | 14.7384% | 477 |
| Net charge-offs to loans | -0.0763% | 6,701 |
| Credit loss provision to net charge-offs | -380.0000% | 5,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1348% | 6,532 |
| Assets per employee ($millions) | 3.6653% | 4,730 |
| Cash dividends to net income (ytd only)* | 12.6316% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 6,053 |
| Loan loss allowance to noncurrent loans | 194.4637% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 5,925 |
| Noncurrent loans to loans | 0.5441% | 5,572 |
| Net loans and leases to total assets | 62.3430% | 3,182 |
| Net loans and leases to deposits | 72.1808% | 3,408 |
| Net loans and leases to core deposits | 74.4919% | 3,837 |
| Total domestic deposits to total assets | 86.3706% | 3,320 |
| Equity capital to assets | 10.8964% | 3,032 |
| Core capital (leverage) ratio | 10.0811% | 3,269 |
| Tier 1 risk-based capital ratio | 16.1966% | 3,072 |
| Total risk-based capital ratio | 17.2935% | 3,121 |
| Memoranda: | ||
| Average total assets | $81,604,500 | 5,424 |
| Average earning assets | $75,846,000 | 5,370 |
| Average equity | $9,010,500 | 5,278 |
| Average total loans | $52,417,000 | 5,128 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3590% | 1,536 |
| Cost of funding earning assets | 1.2240% | 1,876 |
| Net interest margin | 4.1350% | 2,288 |
| Noninterest income to average assets | 0.7311% | 2,436 |
| Noninterest expense to average assets | 3.1223% | 3,123 |
| Loan and lease loss provision to assets | 0.5461% | 1,914 |
| Net operating income to assets | 0.7973% | 3,046 |
| Return on assets (ROA) | 0.8660% | 2,893 |
| Pretax return on assets | 0.8737% | 3,696 |
| Return on Equity (ROE) | 8.8687% | 2,507 |
| Retained earnings to average equity (ytd only) | 6.4607% | 1,762 |
| Net charge-offs to loans | 0.8438% | 2,050 |
| Credit loss provision to net charge-offs | 104.6798% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2.5887% | 3,923 |
| Efficiency ratio | 69.8075% | 4,003 |
| Assets per employee ($millions) | 3.4307% | 5,178 |
| Cash dividends to net income (ytd only)* | 27.1513% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 6,253 |
| Loan loss allowance to noncurrent loans | 176.6323% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 5,944 |
| Noncurrent loans to loans | 0.5627% | 5,593 |
| Net loans and leases to total assets | 64.8886% | 3,008 |
| Net loans and leases to deposits | 75.4876% | 3,262 |
| Net loans and leases to core deposits | 78.4329% | 3,633 |
| Total domestic deposits to total assets | 85.9592% | 3,343 |
| Equity capital to assets | 11.1969% | 2,799 |
| Core capital (leverage) ratio | 10.1409% | 3,183 |
| Tier 1 risk-based capital ratio | 16.1547% | 2,976 |
| Total risk-based capital ratio | 17.1969% | 3,033 |
| Memoranda: | ||
| Average total assets | $77,826,000 | 5,512 |
| Average earning assets | $70,423,800 | 5,524 |
| Average equity | $7,599,800 | 5,688 |
| Average total loans | $48,114,400 | 5,341 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 1,964 |
| Cost of funding earning assets | 1.2873% | 1,776 |
| Net interest margin | 3.9842% | 2,982 |
| Noninterest income to average assets | 0.8424% | 1,866 |
| Noninterest expense to average assets | 3.2715% | 2,590 |
| Loan and lease loss provision to assets | 0.6791% | 1,424 |
| Net operating income to assets | 0.4643% | 4,704 |
| Return on assets (ROA) | 0.5553% | 4,471 |
| Pretax return on assets | 0.5656% | 4,915 |
| Return on Equity (ROE) | 5.9067% | 4,062 |
| Retained earnings to average equity (ytd only) | 3.1636% | 4,448 |
| Net charge-offs to loans | 1.0561% | 1,509 |
| Credit loss provision to net charge-offs | 105.6150% | 3,142 |
| Earnings coverage of net charge-offs (x) | 1.7915% | 4,316 |
| Efficiency ratio | 73.9604% | 3,187 |
| Assets per employee ($millions) | 3.5515% | 4,875 |
| Cash dividends to net income (ytd only)* | 46.4403% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 6,033 |
| Loan loss allowance to noncurrent loans | 178.8927% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 5,750 |
| Noncurrent loans to loans | 0.5892% | 5,695 |
| Net loans and leases to total assets | 62.1100% | 3,695 |
| Net loans and leases to deposits | 72.1782% | 3,956 |
| Net loans and leases to core deposits | 75.1514% | 4,302 |
| Total domestic deposits to total assets | 86.0509% | 3,192 |
| Equity capital to assets | 10.9095% | 3,231 |
| Core capital (leverage) ratio | 9.7837% | 3,722 |
| Tier 1 risk-based capital ratio | 15.9515% | 3,144 |
| Total risk-based capital ratio | 17.0295% | 3,193 |
| Memoranda: | ||
| Average total assets | $77,556,000 | 5,562 |
| Average earning assets | $69,706,250 | 5,592 |
| Average equity | $7,291,000 | 5,820 |
| Average total loans | $47,214,250 | 5,415 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1982% | 2,263 |
| Cost of funding earning assets | 1.3320% | 1,747 |
| Net interest margin | 3.8662% | 3,461 |
| Noninterest income to average assets | 0.9229% | 1,568 |
| Noninterest expense to average assets | 3.2341% | 2,792 |
| Loan and lease loss provision to assets | 0.7885% | 1,169 |
| Net operating income to assets | 0.3525% | 5,165 |
| Return on assets (ROA) | 0.3749% | 5,202 |
| Pretax return on assets | 0.3904% | 5,418 |
| Return on Equity (ROE) | 4.2151% | 4,829 |
| Retained earnings to average equity (ytd only) | 0.8721% | 5,521 |
| Net charge-offs to loans | -0.0601% | 7,062 |
| Credit loss provision to net charge-offs | -2,178.5714% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6749% | 3,421 |
| Assets per employee ($millions) | 3.4539% | 5,069 |
| Cash dividends to net income (ytd only)* | 79.3103% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7394% | 3,190 |
| Loan loss allowance to noncurrent loans | 78.3237% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 4.6715% | 1,336 |
| Noncurrent loans to loans | 2.2207% | 3,203 |
| Net loans and leases to total assets | 57.8147% | 4,668 |
| Net loans and leases to deposits | 66.3738% | 4,946 |
| Net loans and leases to core deposits | 68.7586% | 5,212 |
| Total domestic deposits to total assets | 87.1047% | 2,685 |
| Equity capital to assets | 9.0118% | 5,562 |
| Core capital (leverage) ratio | 8.2101% | 6,015 |
| Tier 1 risk-based capital ratio | 13.0148% | 4,901 |
| Total risk-based capital ratio | 14.2689% | 4,884 |
| Memoranda: | ||
| Average total assets | $77,363,330 | 5,611 |
| Average earning assets | $69,369,670 | 5,648 |
| Average equity | $6,880,000 | 5,954 |
| Average total loans | $46,603,670 | 5,492 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2103% | 2,189 |
| Cost of funding earning assets | 1.3711% | 1,761 |
| Net interest margin | 3.8391% | 3,421 |
| Noninterest income to average assets | 0.7285% | 2,400 |
| Noninterest expense to average assets | 3.0763% | 3,354 |
| Loan and lease loss provision to assets | 0.9171% | 866 |
| Net operating income to assets | 0.1520% | 5,939 |
| Return on assets (ROA) | 0.1520% | 5,996 |
| Pretax return on assets | 0.1834% | 5,977 |
| Return on Equity (ROE) | 1.7209% | 5,899 |
| Retained earnings to average equity (ytd only) | -0.3561% | 5,856 |
| Net charge-offs to loans | -0.0344% | 6,756 |
| Credit loss provision to net charge-offs | -4,375.0000% | 6,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6512% | 3,580 |
| Assets per employee ($millions) | 3.4095% | 5,218 |
| Cash dividends to net income (ytd only)* | 120.6897% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 4,385 |
| Loan loss allowance to noncurrent loans | 63.8863% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 3.3207% | 2,055 |
| Noncurrent loans to loans | 2.2881% | 3,210 |
| Net loans and leases to total assets | 57.9395% | 4,656 |
| Net loans and leases to deposits | 66.2250% | 4,942 |
| Net loans and leases to core deposits | 68.8774% | 5,183 |
| Total domestic deposits to total assets | 87.4888% | 2,667 |
| Equity capital to assets | 8.6256% | 5,744 |
| Core capital (leverage) ratio | 8.3476% | 5,716 |
| Tier 1 risk-based capital ratio | 13.1205% | 4,735 |
| Total risk-based capital ratio | 14.3718% | 4,711 |
| Memoranda: | ||
| Average total assets | $76,325,000 | 5,695 |
| Average earning assets | $68,557,000 | 5,712 |
| Average equity | $6,740,500 | 6,009 |
| Average total loans | $46,535,000 | 5,545 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8781% | 1,084 |
| Cost of funding earning assets | 1.7114% | 1,549 |
| Net interest margin | 4.1668% | 2,305 |
| Noninterest income to average assets | 0.6782% | 2,973 |
| Noninterest expense to average assets | 3.1701% | 3,190 |
| Loan and lease loss provision to assets | 0.4006% | 3,712 |
| Net operating income to assets | 0.7666% | 2,929 |
| Return on assets (ROA) | 0.8619% | 2,686 |
| Pretax return on assets | 0.8619% | 3,432 |
| Return on Equity (ROE) | 9.5041% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.7678% | 1,053 |
| Net charge-offs to loans | 0.7036% | 2,902 |
| Credit loss provision to net charge-offs | 89.5062% | 5,148 |
| Earnings coverage of net charge-offs (x) | 2.6080% | 3,797 |
| Efficiency ratio | 73.0892% | 3,581 |
| Assets per employee ($millions) | 3.2275% | 5,604 |
| Cash dividends to net income (ytd only)* | 18.2692% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 6,131 |
| Loan loss allowance to noncurrent loans | 44.6751% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 3.5349% | 1,954 |
| Noncurrent loans to loans | 2.3594% | 3,163 |
| Net loans and leases to total assets | 62.5956% | 4,151 |
| Net loans and leases to deposits | 72.0035% | 4,516 |
| Net loans and leases to core deposits | 73.4536% | 5,048 |
| Total domestic deposits to total assets | 86.9342% | 2,865 |
| Equity capital to assets | 9.0487% | 5,073 |
| Core capital (leverage) ratio | 8.5104% | 5,343 |
| Tier 1 risk-based capital ratio | 13.6630% | 4,086 |
| Total risk-based capital ratio | 14.7074% | 4,214 |
| Memoranda: | ||
| Average total assets | $72,394,600 | 5,804 |
| Average earning assets | $63,574,600 | 5,870 |
| Average equity | $6,565,600 | 6,180 |
| Average total loans | $46,047,000 | 5,640 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9235% | 1,078 |
| Cost of funding earning assets | 1.7998% | 1,424 |
| Net interest margin | 4.1237% | 2,520 |
| Noninterest income to average assets | 0.7099% | 2,765 |
| Noninterest expense to average assets | 3.1379% | 3,149 |
| Loan and lease loss provision to assets | 0.4634% | 3,158 |
| Net operating income to assets | 0.6969% | 3,426 |
| Return on assets (ROA) | 0.6969% | 3,587 |
| Pretax return on assets | 0.6969% | 4,238 |
| Return on Equity (ROE) | 7.6798% | 3,034 |
| Retained earnings to average equity (ytd only) | 5.3513% | 2,737 |
| Net charge-offs to loans | 0.8410% | 2,348 |
| Credit loss provision to net charge-offs | 86.5052% | 4,901 |
| Earnings coverage of net charge-offs (x) | 2.1661% | 4,103 |
| Efficiency ratio | 73.0056% | 3,525 |
| Assets per employee ($millions) | 3.4270% | 5,146 |
| Cash dividends to net income (ytd only)* | 30.3200% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 6,064 |
| Loan loss allowance to noncurrent loans | 243.7811% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 2.3517% | 3,022 |
| Noncurrent loans to loans | 0.4394% | 6,320 |
| Net loans and leases to total assets | 60.0255% | 4,908 |
| Net loans and leases to deposits | 69.1708% | 5,252 |
| Net loans and leases to core deposits | 70.4797% | 5,700 |
| Total domestic deposits to total assets | 86.7786% | 2,652 |
| Equity capital to assets | 9.1693% | 5,353 |
| Core capital (leverage) ratio | 8.4641% | 5,574 |
| Tier 1 risk-based capital ratio | 13.1469% | 4,460 |
| Total risk-based capital ratio | 14.1811% | 4,610 |
| Memoranda: | ||
| Average total assets | $71,935,250 | 5,888 |
| Average earning assets | $62,596,500 | 5,971 |
| Average equity | $6,527,750 | 6,267 |
| Average total loans | $45,818,500 | 5,742 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7396% | 1,596 |
| Cost of funding earning assets | 1.8512% | 1,427 |
| Net interest margin | 3.8885% | 3,500 |
| Noninterest income to average assets | 0.7036% | 2,680 |
| Noninterest expense to average assets | 3.2155% | 2,850 |
| Loan and lease loss provision to assets | 0.6216% | 2,305 |
| Net operating income to assets | 0.2910% | 5,214 |
| Return on assets (ROA) | 0.2910% | 5,367 |
| Pretax return on assets | 0.2910% | 5,523 |
| Return on Equity (ROE) | 3.2191% | 5,128 |
| Retained earnings to average equity (ytd only) | 0.9063% | 5,403 |
| Net charge-offs to loans | 0.7635% | 2,330 |
| Credit loss provision to net charge-offs | 125.7143% | 3,211 |
| Earnings coverage of net charge-offs (x) | 1.8457% | 4,133 |
| Efficiency ratio | 77.8919% | 2,744 |
| Assets per employee ($millions) | 3.2085% | 5,668 |
| Cash dividends to net income (ytd only)* | 71.8447% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 5,192 |
| Loan loss allowance to noncurrent loans | 123.4409% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 3.3264% | 2,119 |
| Noncurrent loans to loans | 1.0116% | 5,287 |
| Net loans and leases to total assets | 64.3102% | 4,197 |
| Net loans and leases to deposits | 75.0264% | 4,511 |
| Net loans and leases to core deposits | 76.5588% | 5,132 |
| Total domestic deposits to total assets | 85.7167% | 3,254 |
| Equity capital to assets | 9.2653% | 5,054 |
| Core capital (leverage) ratio | 8.3184% | 5,723 |
| Tier 1 risk-based capital ratio | 12.7827% | 4,620 |
| Total risk-based capital ratio | 14.0064% | 4,611 |
| Memoranda: | ||
| Average total assets | $70,782,670 | 5,953 |
| Average earning assets | $62,338,330 | 6,012 |
| Average equity | $6,399,330 | 6,342 |
| Average total loans | $45,843,000 | 5,770 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9157% | 1,167 |
| Cost of funding earning assets | 1.9093% | 1,409 |
| Net interest margin | 4.0064% | 2,850 |
| Noninterest income to average assets | 0.4966% | 4,068 |
| Noninterest expense to average assets | 2.8837% | 4,124 |
| Loan and lease loss provision to assets | 1.0722% | 1,152 |
| Net operating income to assets | 0.0339% | 6,210 |
| Return on assets (ROA) | 0.0339% | 6,325 |
| Pretax return on assets | 0.0339% | 6,294 |
| Return on Equity (ROE) | 0.3792% | 6,313 |
| Retained earnings to average equity (ytd only) | 0.3792% | 5,685 |
| Net charge-offs to loans | 1.1533% | 1,458 |
| Credit loss provision to net charge-offs | 143.9394% | 2,471 |
| Earnings coverage of net charge-offs (x) | 1.4848% | 3,842 |
| Efficiency ratio | 72.2772% | 3,877 |
| Assets per employee ($millions) | 3.1221% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,948 |
| Loan loss allowance to noncurrent loans | 67.9398% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 4.2878% | 1,586 |
| Noncurrent loans to loans | 1.9116% | 3,908 |
| Net loans and leases to total assets | 62.1240% | 4,732 |
| Net loans and leases to deposits | 71.9760% | 5,054 |
| Net loans and leases to core deposits | 75.4299% | 5,338 |
| Total domestic deposits to total assets | 86.3121% | 2,978 |
| Equity capital to assets | 8.7915% | 5,565 |
| Core capital (leverage) ratio | 8.4126% | 5,537 |
| Tier 1 risk-based capital ratio | 12.7042% | 4,553 |
| Total risk-based capital ratio | 13.9527% | 4,522 |
| Memoranda: | ||
| Average total assets | $70,881,000 | 6,023 |
| Average earning assets | $61,801,500 | 6,098 |
| Average equity | $6,329,000 | 6,403 |
| Average total loans | $45,780,500 | 5,851 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3059% | 1,016 |
| Cost of funding earning assets | 2.2588% | 1,808 |
| Net interest margin | 4.0471% | 2,664 |
| Noninterest income to average assets | 0.4801% | 4,566 |
| Noninterest expense to average assets | 2.6861% | 5,453 |
| Loan and lease loss provision to assets | 0.6229% | 3,313 |
| Net operating income to assets | 0.6590% | 3,103 |
| Return on assets (ROA) | 0.6647% | 3,134 |
| Pretax return on assets | 0.6748% | 3,666 |
| Return on Equity (ROE) | 7.4559% | 2,598 |
| Retained earnings to average equity (ytd only) | 4.4315% | 2,142 |
| Net charge-offs to loans | 0.8903% | 2,615 |
| Credit loss provision to net charge-offs | 106.9307% | 5,185 |
| Earnings coverage of net charge-offs (x) | 2.2178% | 4,058 |
| Efficiency ratio | 67.5245% | 5,091 |
| Assets per employee ($millions) | 3.1797% | 5,770 |
| Cash dividends to net income (ytd only)* | 40.5640% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,684 |
| Loan loss allowance to noncurrent loans | 32.5338% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 5.2149% | 1,146 |
| Noncurrent loans to loans | 3.5070% | 2,166 |
| Net loans and leases to total assets | 65.5216% | 4,273 |
| Net loans and leases to deposits | 76.2544% | 4,695 |
| Net loans and leases to core deposits | 92.0511% | 4,880 |
| Total domestic deposits to total assets | 85.9250% | 3,053 |
| Equity capital to assets | 9.0702% | 5,027 |
| Core capital (leverage) ratio | 8.4936% | 5,287 |
| Tier 1 risk-based capital ratio | 12.4804% | 4,544 |
| Total risk-based capital ratio | 13.5868% | 4,610 |
| Memoranda: | ||
| Average total assets | $69,356,400 | 6,024 |
| Average earning assets | $59,943,600 | 6,128 |
| Average equity | $6,183,000 | 6,538 |
| Average total loans | $45,377,000 | 5,857 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3162% | 1,100 |
| Cost of funding earning assets | 2.3418% | 1,840 |
| Net interest margin | 3.9745% | 2,926 |
| Noninterest income to average assets | 0.4797% | 4,669 |
| Noninterest expense to average assets | 2.6239% | 5,625 |
| Loan and lease loss provision to assets | 0.5780% | 3,076 |
| Net operating income to assets | 0.6942% | 3,229 |
| Return on assets (ROA) | 0.7610% | 3,043 |
| Pretax return on assets | 0.7687% | 3,630 |
| Return on Equity (ROE) | 8.5739% | 2,421 |
| Retained earnings to average equity (ytd only) | 4.5149% | 2,749 |
| Net charge-offs to loans | 0.9011% | 2,165 |
| Credit loss provision to net charge-offs | 98.3607% | 5,200 |
| Earnings coverage of net charge-offs (x) | 2.1770% | 4,194 |
| Efficiency ratio | 67.2261% | 5,134 |
| Assets per employee ($millions) | 3.3081% | 5,379 |
| Cash dividends to net income (ytd only)* | 47.3426% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 5,963 |
| Loan loss allowance to noncurrent loans | 21.6122% | 7,003 |
| Noncurrent assets plus other real estate owned to assets | 6.0702% | 880 |
| Noncurrent loans to loans | 4.9034% | 1,371 |
| Net loans and leases to total assets | 66.6580% | 4,273 |
| Net loans and leases to deposits | 77.8521% | 4,759 |
| Net loans and leases to core deposits | 96.2024% | 4,789 |
| Total domestic deposits to total assets | 85.6213% | 2,902 |
| Equity capital to assets | 9.2499% | 5,091 |
| Core capital (leverage) ratio | 8.3875% | 5,683 |
| Tier 1 risk-based capital ratio | 12.3035% | 4,704 |
| Total risk-based capital ratio | 13.3375% | 4,836 |
| Memoranda: | ||
| Average total assets | $69,207,000 | 6,067 |
| Average earning assets | $59,612,000 | 6,184 |
| Average equity | $6,142,500 | 6,617 |
| Average total loans | $45,130,250 | 5,921 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6262% | 628 |
| Cost of funding earning assets | 2.4504% | 1,775 |
| Net interest margin | 4.1759% | 2,072 |
| Noninterest income to average assets | 0.4514% | 4,836 |
| Noninterest expense to average assets | 2.5897% | 5,779 |
| Loan and lease loss provision to assets | 0.4659% | 3,192 |
| Net operating income to assets | 0.9350% | 2,327 |
| Return on assets (ROA) | 0.9751% | 2,289 |
| Pretax return on assets | 0.9867% | 3,060 |
| Return on Equity (ROE) | 11.1442% | 1,662 |
| Retained earnings to average equity (ytd only) | 6.9444% | 1,602 |
| Net charge-offs to loans | 0.7538% | 2,178 |
| Credit loss provision to net charge-offs | 95.8333% | 4,745 |
| Earnings coverage of net charge-offs (x) | 2.9048% | 3,653 |
| Efficiency ratio | 64.7144% | 5,770 |
| Assets per employee ($millions) | 3.5273% | 4,746 |
| Cash dividends to net income (ytd only)* | 37.6855% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 5,458 |
| Loan loss allowance to noncurrent loans | 51.0331% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 4.1944% | 1,375 |
| Noncurrent loans to loans | 2.1942% | 3,266 |
| Net loans and leases to total assets | 61.8348% | 5,386 |
| Net loans and leases to deposits | 71.6524% | 5,787 |
| Net loans and leases to core deposits | 86.9692% | 5,812 |
| Total domestic deposits to total assets | 86.2983% | 2,628 |
| Equity capital to assets | 8.6596% | 5,805 |
| Core capital (leverage) ratio | 8.3734% | 5,671 |
| Tier 1 risk-based capital ratio | 13.2165% | 3,988 |
| Total risk-based capital ratio | 14.3225% | 4,010 |
| Memoranda: | ||
| Average total assets | $69,119,000 | 6,105 |
| Average earning assets | $58,766,330 | 6,279 |
| Average equity | $6,048,000 | 6,696 |
| Average total loans | $44,572,330 | 6,001 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8242% | 462 |
| Cost of funding earning assets | 2.5313% | 1,797 |
| Net interest margin | 4.2928% | 1,624 |
| Noninterest income to average assets | 0.4444% | 4,841 |
| Noninterest expense to average assets | 2.5086% | 5,807 |
| Loan and lease loss provision to assets | 0.5614% | 2,233 |
| Net operating income to assets | 0.9782% | 2,405 |
| Return on assets (ROA) | 1.0584% | 2,245 |
| Pretax return on assets | 1.0759% | 3,079 |
| Return on Equity (ROE) | 12.0316% | 1,651 |
| Retained earnings to average equity (ytd only) | 7.5779% | 1,989 |
| Net charge-offs to loans | 1.4643% | 986 |
| Credit loss provision to net charge-offs | 58.5366% | 4,543 |
| Earnings coverage of net charge-offs (x) | 1.6220% | 3,918 |
| Efficiency ratio | 61.7266% | 6,108 |
| Assets per employee ($millions) | 3.6683% | 4,410 |
| Cash dividends to net income (ytd only)* | 37.0166% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,227 |
| Loan loss allowance to noncurrent loans | 32.4102% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 4.2268% | 1,184 |
| Noncurrent loans to loans | 3.0684% | 2,117 |
| Net loans and leases to total assets | 61.8497% | 5,364 |
| Net loans and leases to deposits | 71.7856% | 5,769 |
| Net loans and leases to core deposits | 89.7859% | 5,576 |
| Total domestic deposits to total assets | 86.1589% | 2,631 |
| Equity capital to assets | 8.7320% | 5,719 |
| Core capital (leverage) ratio | 8.4987% | 5,539 |
| Tier 1 risk-based capital ratio | 13.1729% | 4,072 |
| Total risk-based capital ratio | 14.1551% | 4,174 |
| Memoranda: | ||
| Average total assets | $68,405,500 | 6,164 |
| Average earning assets | $57,677,500 | 6,349 |
| Average equity | $6,017,500 | 6,753 |
| Average total loans | $44,800,500 | 6,024 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6941% | 2,043 |
| Cost of funding earning assets | 2.8342% | 2,562 |
| Net interest margin | 3.8599% | 3,743 |
| Noninterest income to average assets | 0.5078% | 4,559 |
| Noninterest expense to average assets | 2.6067% | 5,627 |
| Loan and lease loss provision to assets | 0.5898% | 2,466 |
| Net operating income to assets | 0.6677% | 4,034 |
| Return on assets (ROA) | 0.0505% | 6,088 |
| Pretax return on assets | 0.0599% | 6,026 |
| Return on Equity (ROE) | 0.5349% | 6,060 |
| Retained earnings to average equity (ytd only) | -6.5862% | 6,736 |
| Net charge-offs to loans | 0.4550% | 2,557 |
| Credit loss provision to net charge-offs | 187.0000% | 2,656 |
| Earnings coverage of net charge-offs (x) | 4.3900% | 3,999 |
| Efficiency ratio | 65.3102% | 5,250 |
| Assets per employee ($millions) | 3.3557% | 5,078 |
| Cash dividends to net income (ytd only)* | 1,331.2500% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 5,351 |
| Loan loss allowance to noncurrent loans | 18.5720% | 7,292 |
| Noncurrent assets plus other real estate owned to assets | 4.0275% | 1,016 |
| Noncurrent loans to loans | 5.8684% | 634 |
| Net loans and leases to total assets | 67.8825% | 4,485 |
| Net loans and leases to deposits | 79.1130% | 5,183 |
| Net loans and leases to core deposits | 98.7301% | 4,957 |
| Total domestic deposits to total assets | 85.8045% | 2,492 |
| Equity capital to assets | 8.8642% | 5,544 |
| Core capital (leverage) ratio | 8.8048% | 5,028 |
| Tier 1 risk-based capital ratio | 12.8273% | 4,199 |
| Total risk-based capital ratio | 13.9584% | 4,200 |
| Memoranda: | ||
| Average total assets | $63,413,400 | 6,253 |
| Average earning assets | $57,229,200 | 6,291 |
| Average equity | $5,982,200 | 6,815 |
| Average total loans | $43,959,800 | 5,981 |