Home > First National Bank > Performance and Condition Ratios
First 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 | 3.9675% | 4,012 |
| Cost of funding earning assets | 1.5335% | 1,856 |
| Net interest margin | 2.4340% | 4,155 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.6263% | 1,935 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.1051% | 4,248 |
| Return on assets (ROA) | 0.1051% | 4,273 |
| Pretax return on assets | 0.1051% | 4,273 |
| Return on Equity (ROE) | 15.0900% | 1,273 |
| Retained earnings to average equity (ytd only) | 15.0938% | 319 |
| Net charge-offs to loans | -0.1906% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 94.0424% | 300 |
| Assets per employee ($millions) | 5.6288% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6749% | 71 |
| Loan loss allowance to noncurrent loans | 186.8035% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 786 |
| Noncurrent loans to loans | 1.9672% | 294 |
| Net loans and leases to total assets | 32.9600% | 4,234 |
| Net loans and leases to deposits | 38.0749% | 4,239 |
| Net loans and leases to core deposits | 41.2170% | 4,267 |
| Total domestic deposits to total assets | 86.5700% | 1,824 |
| Equity capital to assets | 2.2503% | 4,563 |
| Core capital (leverage) ratio | 9.8832% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1355% | 531 |
| Memoranda: | ||
| Average total assets | $97,970,800 | 3,849 |
| Average earning assets | $94,619,400 | 3,794 |
| Average equity | $682,400 | 4,528 |
| Average total loans | $32,001,800 | 4,114 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 3,950 |
| Cost of funding earning assets | 1.4153% | 1,822 |
| Net interest margin | 2.5157% | 4,123 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.6725% | 1,737 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.0096% | 4,366 |
| Return on assets (ROA) | 0.0096% | 4,387 |
| Pretax return on assets | 0.0096% | 4,381 |
| Return on Equity (ROE) | 3.3000% | 4,073 |
| Retained earnings to average equity (ytd only) | 3.2979% | 3,443 |
| Net charge-offs to loans | -0.1362% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.3987% | 210 |
| Assets per employee ($millions) | 5.2379% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8984% | 58 |
| Loan loss allowance to noncurrent loans | 183.4328% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 794 |
| Noncurrent loans to loans | 2.1252% | 269 |
| Net loans and leases to total assets | 32.1300% | 4,282 |
| Net loans and leases to deposits | 36.4835% | 4,285 |
| Net loans and leases to core deposits | 38.6436% | 4,286 |
| Total domestic deposits to total assets | 88.0800% | 1,537 |
| Equity capital to assets | -0.6640% | 4,620 |
| Core capital (leverage) ratio | 9.5364% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3558% | 529 |
| Memoranda: | ||
| Average total assets | $97,134,000 | 3,868 |
| Average earning assets | $94,019,750 | 3,816 |
| Average equity | $283,000 | 4,558 |
| Average total loans | $31,335,250 | 4,142 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7754% | 4,056 |
| Cost of funding earning assets | 1.2669% | 1,803 |
| Net interest margin | 2.5085% | 4,201 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.5998% | 1,933 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.0693% | 4,381 |
| Return on assets (ROA) | 0.0693% | 4,417 |
| Pretax return on assets | 0.0693% | 4,412 |
| Return on Equity (ROE) | 11.6000% | 2,272 |
| Retained earnings to average equity (ytd only) | 11.6041% | 1,060 |
| Net charge-offs to loans | -0.2622% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.9367% | 244 |
| Assets per employee ($millions) | 5.7382% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7346% | 74 |
| Loan loss allowance to noncurrent loans | 182.4143% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 763 |
| Noncurrent loans to loans | 2.0473% | 266 |
| Net loans and leases to total assets | 32.3400% | 4,275 |
| Net loans and leases to deposits | 37.6427% | 4,262 |
| Net loans and leases to core deposits | 39.0971% | 4,276 |
| Total domestic deposits to total assets | 85.9200% | 2,253 |
| Equity capital to assets | 0.5197% | 4,627 |
| Core capital (leverage) ratio | 9.7088% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8211% | 494 |
| Memoranda: | ||
| Average total assets | $98,084,333 | 3,874 |
| Average earning assets | $95,036,667 | 3,827 |
| Average equity | $586,000 | 4,586 |
| Average total loans | $31,271,667 | 4,150 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6311% | 4,121 |
| Cost of funding earning assets | 0.9758% | 2,129 |
| Net interest margin | 2.6553% | 4,140 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5988% | 1,953 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.2115% | 4,345 |
| Return on assets (ROA) | 0.2115% | 4,309 |
| Pretax return on assets | 0.2115% | 4,327 |
| Return on Equity (ROE) | 33.2500% | 184 |
| Retained earnings to average equity (ytd only) | 33.2534% | 91 |
| Net charge-offs to loans | -0.2621% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.5099% | 342 |
| Assets per employee ($millions) | 5.7812% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7414% | 78 |
| Loan loss allowance to noncurrent loans | 177.6453% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 723 |
| Noncurrent loans to loans | 2.1061% | 257 |
| Net loans and leases to total assets | 31.2000% | 4,345 |
| Net loans and leases to deposits | 34.5469% | 4,363 |
| Net loans and leases to core deposits | 35.7978% | 4,371 |
| Total domestic deposits to total assets | 90.3200% | 1,040 |
| Equity capital to assets | 0.7529% | 4,656 |
| Core capital (leverage) ratio | 9.5324% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9631% | 573 |
| Memoranda: | ||
| Average total assets | $98,351,500 | 3,921 |
| Average earning assets | $95,507,000 | 3,866 |
| Average equity | $625,500 | 4,655 |
| Average total loans | $30,520,000 | 4,216 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2771% | 3,647 |
| Cost of funding earning assets | 0.3302% | 2,627 |
| Net interest margin | 2.9469% | 3,578 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.4635% | 2,228 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7118% | 3,582 |
| Return on assets (ROA) | 0.7128% | 3,524 |
| Pretax return on assets | 0.7128% | 3,822 |
| Return on Equity (ROE) | 24.8700% | 217 |
| Retained earnings to average equity (ytd only) | 8.0840% | 1,796 |
| Net charge-offs to loans | -0.1672% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.0764% | 1,002 |
| Assets per employee ($millions) | 5.7895% | 2,960 |
| Cash dividends to net income (ytd only)* | 67.5000% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9650% | 65 |
| Loan loss allowance to noncurrent loans | 171.4074% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 708 |
| Noncurrent loans to loans | 2.3132% | 216 |
| Net loans and leases to total assets | 28.4700% | 4,422 |
| Net loans and leases to deposits | 30.0344% | 4,473 |
| Net loans and leases to core deposits | 30.3927% | 4,480 |
| Total domestic deposits to total assets | 94.8000% | 161 |
| Equity capital to assets | 0.5192% | 4,681 |
| Core capital (leverage) ratio | 9.6393% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7319% | 497 |
| Memoranda: | ||
| Average total assets | $95,393,800 | 3,967 |
| Average earning assets | $92,674,800 | 3,909 |
| Average equity | $2,733,800 | 4,631 |
| Average total loans | $31,689,800 | 4,213 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2500% | 3,308 |
| Cost of funding earning assets | 0.2958% | 2,217 |
| Net interest margin | 2.9541% | 3,349 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.5331% | 1,913 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6706% | 3,645 |
| Return on assets (ROA) | 0.6706% | 3,604 |
| Pretax return on assets | 0.6706% | 3,855 |
| Return on Equity (ROE) | 19.2900% | 501 |
| Retained earnings to average equity (ytd only) | 8.1469% | 1,942 |
| Net charge-offs to loans | -0.1320% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.5334% | 953 |
| Assets per employee ($millions) | 5.7682% | 2,970 |
| Cash dividends to net income (ytd only)* | 57.7731% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2985% | 60 |
| Loan loss allowance to noncurrent loans | 165.0957% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 751 |
| Noncurrent loans to loans | 2.6036% | 199 |
| Net loans and leases to total assets | 25.4500% | 4,520 |
| Net loans and leases to deposits | 25.2790% | 4,574 |
| Net loans and leases to core deposits | 25.5636% | 4,565 |
| Total domestic deposits to total assets | 100.6800% | 11 |
| Equity capital to assets | -1.0626% | 4,749 |
| Core capital (leverage) ratio | 9.7818% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6422% | 454 |
| Memoranda: | ||
| Average total assets | $94,636,750 | 4,001 |
| Average earning assets | $91,936,500 | 3,942 |
| Average equity | $3,289,500 | 4,635 |
| Average total loans | $32,317,250 | 4,232 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 2,996 |
| Cost of funding earning assets | 0.2776% | 1,931 |
| Net interest margin | 2.9369% | 3,068 |
| Noninterest income to average assets | 0.4428% | 2,494 |
| Noninterest expense to average assets | 2.5627% | 1,748 |
| Loan and lease loss provision to assets | 0.0642% | 1,452 |
| Net operating income to assets | 0.6674% | 3,422 |
| Return on assets (ROA) | 0.6674% | 3,367 |
| Pretax return on assets | 0.6674% | 3,660 |
| Return on Equity (ROE) | 13.1831% | 1,332 |
| Retained earnings to average equity (ytd only) | 5.4085% | 2,553 |
| Net charge-offs to loans | -0.0581% | 4,294 |
| Credit loss provision to net charge-offs | -300.0000% | 3,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7922% | 1,103 |
| Assets per employee ($millions) | 5.3980% | 3,333 |
| Cash dividends to net income (ytd only)* | 58.9744% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4821% | 98 |
| Loan loss allowance to noncurrent loans | 160.5926% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 725 |
| Noncurrent loans to loans | 2.1683% | 294 |
| Net loans and leases to total assets | 32.7431% | 4,377 |
| Net loans and leases to deposits | 33.1447% | 4,464 |
| Net loans and leases to core deposits | 33.5507% | 4,492 |
| Total domestic deposits to total assets | 98.7882% | 15 |
| Equity capital to assets | 0.5492% | 4,757 |
| Core capital (leverage) ratio | 9.8058% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4385% | 454 |
| Memoranda: | ||
| Average total assets | $93,495,667 | 4,051 |
| Average earning assets | $90,776,000 | 4,005 |
| Average equity | $4,733,333 | 4,546 |
| Average total loans | $34,396,667 | 4,239 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1579% | 2,805 |
| Cost of funding earning assets | 0.2791% | 1,829 |
| Net interest margin | 2.8787% | 2,901 |
| Noninterest income to average assets | 0.5638% | 1,851 |
| Noninterest expense to average assets | 2.4799% | 1,932 |
| Loan and lease loss provision to assets | 0.0636% | 1,275 |
| Net operating income to assets | 0.8181% | 2,600 |
| Return on assets (ROA) | 0.8181% | 2,590 |
| Pretax return on assets | 0.8181% | 3,054 |
| Return on Equity (ROE) | 11.2734% | 1,522 |
| Retained earnings to average equity (ytd only) | 11.2734% | 728 |
| Net charge-offs to loans | -0.0111% | 3,627 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7705% | 1,767 |
| Assets per employee ($millions) | 5.9332% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0108% | 158 |
| Loan loss allowance to noncurrent loans | 156.5731% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 795 |
| Noncurrent loans to loans | 1.9229% | 386 |
| Net loans and leases to total assets | 35.9703% | 4,210 |
| Net loans and leases to deposits | 38.6698% | 4,296 |
| Net loans and leases to core deposits | 39.2688% | 4,330 |
| Total domestic deposits to total assets | 93.0191% | 269 |
| Equity capital to assets | 5.4418% | 4,671 |
| Core capital (leverage) ratio | 9.5999% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9891% | 563 |
| Memoranda: | ||
| Average total assets | $94,360,500 | 4,054 |
| Average earning assets | $91,707,500 | 4,011 |
| Average equity | $6,848,000 | 4,376 |
| Average total loans | $36,029,500 | 4,232 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4546% | 2,787 |
| Cost of funding earning assets | 0.3585% | 1,868 |
| Net interest margin | 3.0961% | 2,912 |
| Noninterest income to average assets | 0.5436% | 2,381 |
| Noninterest expense to average assets | 2.5318% | 2,082 |
| Loan and lease loss provision to assets | 0.0664% | 1,739 |
| Net operating income to assets | 0.9476% | 2,877 |
| Return on assets (ROA) | 1.0761% | 2,458 |
| Pretax return on assets | 1.0761% | 3,047 |
| Return on Equity (ROE) | 11.1338% | 2,117 |
| Retained earnings to average equity (ytd only) | 4.8223% | 2,847 |
| Net charge-offs to loans | 0.0085% | 2,261 |
| Credit loss provision to net charge-offs | 2,000.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 305.3333% | 402 |
| Efficiency ratio | 71.4018% | 1,573 |
| Assets per employee ($millions) | 5.8619% | 2,895 |
| Cash dividends to net income (ytd only)* | 56.6872% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8330% | 179 |
| Loan loss allowance to noncurrent loans | 151.7442% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 846 |
| Noncurrent loans to loans | 1.8669% | 434 |
| Net loans and leases to total assets | 38.1789% | 4,185 |
| Net loans and leases to deposits | 43.6513% | 4,193 |
| Net loans and leases to core deposits | 44.3789% | 4,253 |
| Total domestic deposits to total assets | 87.4635% | 2,304 |
| Equity capital to assets | 9.0948% | 3,519 |
| Core capital (leverage) ratio | 10.0900% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6934% | 515 |
| Memoranda: | ||
| Average total assets | $90,329,600 | 4,096 |
| Average earning assets | $87,593,800 | 4,046 |
| Average equity | $8,730,200 | 4,265 |
| Average total loans | $35,231,800 | 4,282 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 2,600 |
| Cost of funding earning assets | 0.3672% | 1,963 |
| Net interest margin | 3.2170% | 2,677 |
| Noninterest income to average assets | 0.3145% | 3,538 |
| Noninterest expense to average assets | 2.5305% | 2,030 |
| Loan and lease loss provision to assets | 0.0671% | 1,661 |
| Net operating income to assets | 0.8376% | 3,426 |
| Return on assets (ROA) | 0.9523% | 3,157 |
| Pretax return on assets | 0.9523% | 3,581 |
| Return on Equity (ROE) | 9.7034% | 2,844 |
| Retained earnings to average equity (ytd only) | 5.5274% | 3,032 |
| Net charge-offs to loans | -0.0191% | 3,944 |
| Credit loss provision to net charge-offs | -900.0000% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6659% | 1,244 |
| Assets per employee ($millions) | 6.1482% | 2,550 |
| Cash dividends to net income (ytd only)* | 43.0360% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0720% | 142 |
| Loan loss allowance to noncurrent loans | 144.6304% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 926 |
| Noncurrent loans to loans | 2.1240% | 399 |
| Net loans and leases to total assets | 35.4792% | 4,412 |
| Net loans and leases to deposits | 40.5618% | 4,434 |
| Net loans and leases to core deposits | 41.2480% | 4,476 |
| Total domestic deposits to total assets | 87.4695% | 2,122 |
| Equity capital to assets | 9.8002% | 3,102 |
| Core capital (leverage) ratio | 10.0143% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6374% | 447 |
| Memoranda: | ||
| Average total assets | $89,464,500 | 4,157 |
| Average earning assets | $86,785,500 | 4,104 |
| Average equity | $8,780,250 | 4,322 |
| Average total loans | $34,826,750 | 4,344 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 1,928 |
| Cost of funding earning assets | 0.3729% | 2,107 |
| Net interest margin | 3.4846% | 1,904 |
| Noninterest income to average assets | 0.3275% | 3,465 |
| Noninterest expense to average assets | 2.5592% | 1,967 |
| Loan and lease loss provision to assets | 0.0678% | 1,697 |
| Net operating income to assets | 1.0774% | 2,617 |
| Return on assets (ROA) | 1.2468% | 2,094 |
| Pretax return on assets | 1.2468% | 2,778 |
| Return on Equity (ROE) | 12.6979% | 1,821 |
| Retained earnings to average equity (ytd only) | 8.4653% | 1,909 |
| Net charge-offs to loans | -0.0171% | 3,915 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0854% | 1,748 |
| Assets per employee ($millions) | 5.8445% | 2,768 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0762% | 140 |
| Loan loss allowance to noncurrent loans | 142.6573% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 980 |
| Noncurrent loans to loans | 2.1563% | 423 |
| Net loans and leases to total assets | 36.6592% | 4,438 |
| Net loans and leases to deposits | 41.0091% | 4,487 |
| Net loans and leases to core deposits | 41.5875% | 4,528 |
| Total domestic deposits to total assets | 89.3928% | 1,088 |
| Equity capital to assets | 10.2251% | 2,644 |
| Core capital (leverage) ratio | 10.2819% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5073% | 453 |
| Memoranda: | ||
| Average total assets | $88,545,000 | 4,188 |
| Average earning assets | $85,805,000 | 4,135 |
| Average equity | $8,694,333 | 4,354 |
| Average total loans | $35,183,333 | 4,371 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0842% | 3,918 |
| Cost of funding earning assets | 0.3716% | 2,341 |
| Net interest margin | 2.7126% | 3,939 |
| Noninterest income to average assets | 0.3416% | 3,386 |
| Noninterest expense to average assets | 2.4409% | 2,353 |
| Loan and lease loss provision to assets | 0.0674% | 1,805 |
| Net operating income to assets | 0.4585% | 4,252 |
| Return on assets (ROA) | 0.5125% | 4,185 |
| Pretax return on assets | 0.5125% | 4,323 |
| Return on Equity (ROE) | 5.3274% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.3274% | 3,117 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2727% | 691 |
| Assets per employee ($millions) | 5.9086% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9083% | 163 |
| Loan loss allowance to noncurrent loans | 145.8515% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7751% | 1,171 |
| Noncurrent loans to loans | 1.9940% | 544 |
| Net loans and leases to total assets | 37.7427% | 4,429 |
| Net loans and leases to deposits | 41.6130% | 4,510 |
| Net loans and leases to core deposits | 42.1839% | 4,560 |
| Total domestic deposits to total assets | 90.6994% | 509 |
| Equity capital to assets | 9.0061% | 3,680 |
| Core capital (leverage) ratio | 10.1730% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0278% | 450 |
| Memoranda: | ||
| Average total assets | $88,984,000 | 4,201 |
| Average earning assets | $86,117,500 | 4,144 |
| Average equity | $8,559,500 | 4,381 |
| Average total loans | $36,196,000 | 4,375 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 3,116 |
| Cost of funding earning assets | 0.4494% | 3,285 |
| Net interest margin | 3.4193% | 2,711 |
| Noninterest income to average assets | 0.5928% | 2,239 |
| Noninterest expense to average assets | 2.7178% | 2,186 |
| Loan and lease loss provision to assets | 0.3197% | 1,152 |
| Net operating income to assets | 0.8584% | 2,866 |
| Return on assets (ROA) | 1.3774% | 1,163 |
| Pretax return on assets | 1.3774% | 1,736 |
| Return on Equity (ROE) | 12.9810% | 1,046 |
| Retained earnings to average equity (ytd only) | 6.6064% | 1,542 |
| Net charge-offs to loans | 1.3097% | 85 |
| Credit loss provision to net charge-offs | 56.2771% | 3,105 |
| Earnings coverage of net charge-offs (x) | 2.0736% | 3,205 |
| Efficiency ratio | 69.7601% | 1,981 |
| Assets per employee ($millions) | 5.9559% | 2,375 |
| Cash dividends to net income (ytd only)* | 49.1071% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6042% | 225 |
| Loan loss allowance to noncurrent loans | 119.6126% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 1,062 |
| Noncurrent loans to loans | 2.1772% | 500 |
| Net loans and leases to total assets | 41.3604% | 4,385 |
| Net loans and leases to deposits | 48.5629% | 4,371 |
| Net loans and leases to core deposits | 49.2654% | 4,450 |
| Total domestic deposits to total assets | 85.1689% | 2,695 |
| Equity capital to assets | 10.2273% | 2,908 |
| Core capital (leverage) ratio | 9.9701% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2627% | 559 |
| Memoranda: | ||
| Average total assets | $81,314,600 | 4,227 |
| Average earning assets | $78,554,000 | 4,180 |
| Average equity | $8,628,000 | 4,357 |
| Average total loans | $35,274,200 | 4,400 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 2,936 |
| Cost of funding earning assets | 0.4645% | 3,445 |
| Net interest margin | 3.5471% | 2,433 |
| Noninterest income to average assets | 0.6775% | 1,867 |
| Noninterest expense to average assets | 2.8849% | 1,741 |
| Loan and lease loss provision to assets | 0.0757% | 3,379 |
| Net operating income to assets | 1.1449% | 1,837 |
| Return on assets (ROA) | 1.7787% | 528 |
| Pretax return on assets | 1.7787% | 817 |
| Return on Equity (ROE) | 16.5942% | 482 |
| Retained earnings to average equity (ytd only) | 12.2810% | 395 |
| Net charge-offs to loans | 1.1635% | 116 |
| Credit loss provision to net charge-offs | 14.9007% | 2,987 |
| Earnings coverage of net charge-offs (x) | 2.4040% | 2,994 |
| Efficiency ratio | 70.2703% | 1,849 |
| Assets per employee ($millions) | 5.7784% | 2,472 |
| Cash dividends to net income (ytd only)* | 25.9924% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4068% | 261 |
| Loan loss allowance to noncurrent loans | 93.2933% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 892 |
| Noncurrent loans to loans | 2.5798% | 400 |
| Net loans and leases to total assets | 43.6015% | 4,434 |
| Net loans and leases to deposits | 51.5763% | 4,431 |
| Net loans and leases to core deposits | 52.3500% | 4,514 |
| Total domestic deposits to total assets | 84.5378% | 2,614 |
| Equity capital to assets | 10.7169% | 2,606 |
| Core capital (leverage) ratio | 10.7440% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8960% | 456 |
| Memoranda: | ||
| Average total assets | $79,308,500 | 4,261 |
| Average earning assets | $76,642,000 | 4,213 |
| Average equity | $8,500,750 | 4,389 |
| Average total loans | $34,608,000 | 4,447 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 2,547 |
| Cost of funding earning assets | 0.4753% | 3,678 |
| Net interest margin | 3.7942% | 1,852 |
| Noninterest income to average assets | 0.3487% | 3,388 |
| Noninterest expense to average assets | 3.0370% | 1,491 |
| Loan and lease loss provision to assets | 0.0781% | 3,319 |
| Net operating income to assets | 0.8900% | 2,729 |
| Return on assets (ROA) | 1.6031% | 823 |
| Pretax return on assets | 1.6031% | 1,215 |
| Return on Equity (ROE) | 14.9551% | 713 |
| Retained earnings to average equity (ytd only) | 10.5123% | 688 |
| Net charge-offs to loans | 1.8414% | 71 |
| Credit loss provision to net charge-offs | 9.8039% | 2,751 |
| Earnings coverage of net charge-offs (x) | 1.2157% | 2,871 |
| Efficiency ratio | 75.8285% | 1,283 |
| Assets per employee ($millions) | 5.2391% | 2,900 |
| Cash dividends to net income (ytd only)* | 29.7078% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5691% | 201 |
| Loan loss allowance to noncurrent loans | 91.6750% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2687% | 839 |
| Noncurrent loans to loans | 2.8024% | 375 |
| Net loans and leases to total assets | 44.1078% | 4,449 |
| Net loans and leases to deposits | 50.1679% | 4,528 |
| Net loans and leases to core deposits | 50.9645% | 4,602 |
| Total domestic deposits to total assets | 87.9204% | 1,224 |
| Equity capital to assets | 11.5783% | 1,921 |
| Core capital (leverage) ratio | 11.3432% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0952% | 401 |
| Memoranda: | ||
| Average total assets | $76,852,667 | 4,296 |
| Average earning assets | $74,060,333 | 4,247 |
| Average equity | $8,238,000 | 4,435 |
| Average total loans | $33,236,000 | 4,498 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,903 |
| Cost of funding earning assets | 0.4210% | 4,275 |
| Net interest margin | 3.5374% | 2,859 |
| Noninterest income to average assets | 0.3948% | 3,138 |
| Noninterest expense to average assets | 3.1269% | 1,576 |
| Loan and lease loss provision to assets | 0.0790% | 2,726 |
| Net operating income to assets | 0.5949% | 3,609 |
| Return on assets (ROA) | 1.2423% | 1,502 |
| Pretax return on assets | 1.2423% | 2,059 |
| Return on Equity (ROE) | 12.0909% | 1,075 |
| Retained earnings to average equity (ytd only) | 12.0909% | 415 |
| Net charge-offs to loans | 0.0873% | 1,177 |
| Credit loss provision to net charge-offs | 214.2857% | 1,377 |
| Earnings coverage of net charge-offs (x) | 18.2857% | 1,471 |
| Efficiency ratio | 82.2715% | 959 |
| Assets per employee ($millions) | 4.5986% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9319% | 76 |
| Loan loss allowance to noncurrent loans | 92.8627% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.7519% | 543 |
| Noncurrent loans to loans | 4.2341% | 171 |
| Net loans and leases to total assets | 39.7488% | 4,676 |
| Net loans and leases to deposits | 46.1075% | 4,720 |
| Net loans and leases to core deposits | 46.9039% | 4,753 |
| Total domestic deposits to total assets | 86.2090% | 1,914 |
| Equity capital to assets | 9.7925% | 3,962 |
| Core capital (leverage) ratio | 11.4609% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6715% | 518 |
| Memoranda: | ||
| Average total assets | $75,985,500 | 4,318 |
| Average earning assets | $73,160,500 | 4,273 |
| Average equity | $7,807,500 | 4,507 |
| Average total loans | $32,065,500 | 4,560 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 4,285 |
| Cost of funding earning assets | 0.4632% | 4,231 |
| Net interest margin | 3.5260% | 3,358 |
| Noninterest income to average assets | 0.4417% | 3,050 |
| Noninterest expense to average assets | 2.9409% | 2,168 |
| Loan and lease loss provision to assets | 0.1636% | 1,274 |
| Net operating income to assets | 0.7308% | 3,762 |
| Return on assets (ROA) | 0.9885% | 2,968 |
| Pretax return on assets | 0.9885% | 3,489 |
| Return on Equity (ROE) | 8.9955% | 2,760 |
| Retained earnings to average equity (ytd only) | 6.5884% | 1,570 |
| Net charge-offs to loans | 0.0303% | 2,795 |
| Credit loss provision to net charge-offs | 1,333.3333% | 258 |
| Earnings coverage of net charge-offs (x) | 72.8889% | 860 |
| Efficiency ratio | 76.6797% | 1,298 |
| Assets per employee ($millions) | 4.8996% | 2,706 |
| Cash dividends to net income (ytd only)* | 26.7586% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5294% | 83 |
| Loan loss allowance to noncurrent loans | 91.9567% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.6494% | 573 |
| Noncurrent loans to loans | 3.8382% | 196 |
| Net loans and leases to total assets | 41.4560% | 4,691 |
| Net loans and leases to deposits | 49.7977% | 4,694 |
| Net loans and leases to core deposits | 50.6302% | 4,743 |
| Total domestic deposits to total assets | 83.2487% | 3,123 |
| Equity capital to assets | 10.7279% | 3,237 |
| Core capital (leverage) ratio | 11.5268% | 2,089 |
| Tier 1 risk-based capital ratio | 22.0537% | 1,015 |
| Total risk-based capital ratio | 23.3254% | 995 |
| Memoranda: | ||
| Average total assets | $73,345,600 | 4,381 |
| Average earning assets | $70,590,800 | 4,336 |
| Average equity | $8,059,600 | 4,501 |
| Average total loans | $29,730,000 | 4,648 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 4,461 |
| Cost of funding earning assets | 0.4765% | 4,235 |
| Net interest margin | 3.4718% | 3,656 |
| Noninterest income to average assets | 0.4347% | 3,111 |
| Noninterest expense to average assets | 3.0298% | 1,892 |
| Loan and lease loss provision to assets | 0.1665% | 1,121 |
| Net operating income to assets | 0.5808% | 4,340 |
| Return on assets (ROA) | 0.9193% | 3,352 |
| Pretax return on assets | 0.9193% | 3,819 |
| Return on Equity (ROE) | 8.3122% | 3,190 |
| Retained earnings to average equity (ytd only) | 8.3122% | 1,280 |
| Net charge-offs to loans | 0.0325% | 2,421 |
| Credit loss provision to net charge-offs | 1,285.7143% | 282 |
| Earnings coverage of net charge-offs (x) | 57.7331% | 1,084 |
| Efficiency ratio | 80.2155% | 906 |
| Assets per employee ($millions) | 4.5514% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8222% | 73 |
| Loan loss allowance to noncurrent loans | 90.7813% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 567 |
| Noncurrent loans to loans | 4.2104% | 154 |
| Net loans and leases to total assets | 40.1508% | 4,813 |
| Net loans and leases to deposits | 46.4694% | 4,862 |
| Net loans and leases to core deposits | 47.2733% | 4,887 |
| Total domestic deposits to total assets | 86.4026% | 1,819 |
| Equity capital to assets | 11.8108% | 2,410 |
| Core capital (leverage) ratio | 12.1285% | 1,771 |
| Tier 1 risk-based capital ratio | 24.4195% | 812 |
| Total risk-based capital ratio | 25.6941% | 794 |
| Memoranda: | ||
| Average total assets | $72,083,500 | 4,449 |
| Average earning assets | $69,394,500 | 4,409 |
| Average equity | $7,972,000 | 4,563 |
| Average total loans | $28,740,500 | 4,733 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 4,605 |
| Cost of funding earning assets | 0.4900% | 4,159 |
| Net interest margin | 3.3804% | 3,956 |
| Noninterest income to average assets | 0.4315% | 3,057 |
| Noninterest expense to average assets | 3.0875% | 1,767 |
| Loan and lease loss provision to assets | 0.1670% | 1,086 |
| Net operating income to assets | 0.4232% | 4,692 |
| Return on assets (ROA) | 0.6654% | 4,167 |
| Pretax return on assets | 0.6654% | 4,412 |
| Return on Equity (ROE) | 6.1579% | 4,000 |
| Retained earnings to average equity (ytd only) | 6.1579% | 2,214 |
| Net charge-offs to loans | 0.0142% | 2,632 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 670 |
| Efficiency ratio | 83.9516% | 655 |
| Assets per employee ($millions) | 4.5151% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9292% | 66 |
| Loan loss allowance to noncurrent loans | 82.7385% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 2.0273% | 456 |
| Noncurrent loans to loans | 4.7489% | 115 |
| Net loans and leases to total assets | 41.0117% | 4,822 |
| Net loans and leases to deposits | 50.1643% | 4,799 |
| Net loans and leases to core deposits | 51.1500% | 4,837 |
| Total domestic deposits to total assets | 81.7547% | 3,590 |
| Equity capital to assets | 12.5341% | 1,834 |
| Core capital (leverage) ratio | 12.1954% | 1,704 |
| Tier 1 risk-based capital ratio | 24.8053% | 767 |
| Total risk-based capital ratio | 26.0836% | 751 |
| Memoranda: | ||
| Average total assets | $71,837,000 | 4,491 |
| Average earning assets | $68,985,670 | 4,449 |
| Average equity | $7,762,330 | 4,615 |
| Average total loans | $28,187,000 | 4,782 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 4,639 |
| Cost of funding earning assets | 0.4969% | 4,075 |
| Net interest margin | 3.3428% | 4,051 |
| Noninterest income to average assets | 0.4006% | 3,180 |
| Noninterest expense to average assets | 3.0423% | 1,870 |
| Loan and lease loss provision to assets | 0.1624% | 1,037 |
| Net operating income to assets | 0.4006% | 4,731 |
| Return on assets (ROA) | 0.4980% | 4,550 |
| Pretax return on assets | 0.4980% | 4,691 |
| Return on Equity (ROE) | 4.9736% | 4,333 |
| Retained earnings to average equity (ytd only) | 4.9736% | 2,920 |
| Net charge-offs to loans | -0.0144% | 4,362 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3844% | 684 |
| Assets per employee ($millions) | 4.2651% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1618% | 56 |
| Loan loss allowance to noncurrent loans | 81.3050% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.9988% | 491 |
| Noncurrent loans to loans | 5.1188% | 106 |
| Net loans and leases to total assets | 37.4232% | 4,973 |
| Net loans and leases to deposits | 42.3109% | 5,032 |
| Net loans and leases to core deposits | 43.0701% | 5,061 |
| Total domestic deposits to total assets | 88.4483% | 1,108 |
| Equity capital to assets | 11.3392% | 2,530 |
| Core capital (leverage) ratio | 11.0448% | 2,534 |
| Tier 1 risk-based capital ratio | 24.5566% | 794 |
| Total risk-based capital ratio | 25.8328% | 780 |
| Memoranda: | ||
| Average total assets | $73,892,000 | 4,511 |
| Average earning assets | $70,838,000 | 4,470 |
| Average equity | $7,399,000 | 4,699 |
| Average total loans | $27,824,500 | 4,844 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 4,119 |
| Cost of funding earning assets | 0.5064% | 3,306 |
| Net interest margin | 3.4608% | 3,833 |
| Noninterest income to average assets | 0.4110% | 3,374 |
| Noninterest expense to average assets | 2.8797% | 2,423 |
| Loan and lease loss provision to assets | 0.3083% | 524 |
| Net operating income to assets | 0.5677% | 4,507 |
| Return on assets (ROA) | 0.5484% | 4,548 |
| Pretax return on assets | 0.5484% | 4,726 |
| Return on Equity (ROE) | 6.1634% | 4,125 |
| Retained earnings to average equity (ytd only) | 0.5774% | 4,831 |
| Net charge-offs to loans | 0.0285% | 2,838 |
| Credit loss provision to net charge-offs | 2,666.6667% | 181 |
| Earnings coverage of net charge-offs (x) | 75.7778% | 893 |
| Efficiency ratio | 76.6758% | 1,271 |
| Assets per employee ($millions) | 4.9714% | 2,540 |
| Cash dividends to net income (ytd only)* | 90.6323% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7170% | 69 |
| Loan loss allowance to noncurrent loans | 78.1159% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.7349% | 611 |
| Noncurrent loans to loans | 4.7583% | 124 |
| Net loans and leases to total assets | 35.1055% | 5,096 |
| Net loans and leases to deposits | 38.6139% | 5,144 |
| Net loans and leases to core deposits | 43.3165% | 5,093 |
| Total domestic deposits to total assets | 90.9143% | 227 |
| Equity capital to assets | 8.8757% | 4,676 |
| Core capital (leverage) ratio | 9.8085% | 3,786 |
| Tier 1 risk-based capital ratio | 22.5974% | 956 |
| Total risk-based capital ratio | 23.8687% | 930 |
| Memoranda: | ||
| Average total assets | $77,856,600 | 4,466 |
| Average earning assets | $75,242,600 | 4,398 |
| Average equity | $6,928,000 | 4,759 |
| Average total loans | $31,590,800 | 4,781 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 4,133 |
| Cost of funding earning assets | 0.4615% | 3,449 |
| Net interest margin | 3.4705% | 3,803 |
| Noninterest income to average assets | 0.3943% | 3,519 |
| Noninterest expense to average assets | 2.9547% | 2,152 |
| Loan and lease loss provision to assets | 0.3099% | 466 |
| Net operating income to assets | 0.4959% | 4,769 |
| Return on assets (ROA) | 0.4701% | 4,826 |
| Pretax return on assets | 0.4701% | 4,943 |
| Return on Equity (ROE) | 5.2790% | 4,479 |
| Retained earnings to average equity (ytd only) | -0.3288% | 5,079 |
| Net charge-offs to loans | 0.0331% | 2,423 |
| Credit loss provision to net charge-offs | 2,250.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 58.4799% | 1,072 |
| Efficiency ratio | 78.5714% | 1,065 |
| Assets per employee ($millions) | 5.2419% | 2,177 |
| Cash dividends to net income (ytd only)* | 106.2282% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1038% | 125 |
| Loan loss allowance to noncurrent loans | 71.5590% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.6979% | 723 |
| Noncurrent loans to loans | 4.3374% | 176 |
| Net loans and leases to total assets | 37.9301% | 5,084 |
| Net loans and leases to deposits | 41.2741% | 5,177 |
| Net loans and leases to core deposits | 48.7428% | 5,049 |
| Total domestic deposits to total assets | 91.8982% | 90 |
| Equity capital to assets | 7.7382% | 5,260 |
| Core capital (leverage) ratio | 9.7351% | 3,914 |
| Tier 1 risk-based capital ratio | 20.0904% | 1,319 |
| Total risk-based capital ratio | 21.3585% | 1,282 |
| Memoranda: | ||
| Average total assets | $77,435,000 | 4,522 |
| Average earning assets | $75,108,250 | 4,447 |
| Average equity | $6,895,000 | 4,814 |
| Average total loans | $32,238,000 | 4,815 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9135% | 4,035 |
| Cost of funding earning assets | 0.4053% | 3,687 |
| Net interest margin | 3.5082% | 3,603 |
| Noninterest income to average assets | 0.3985% | 3,500 |
| Noninterest expense to average assets | 3.0734% | 1,848 |
| Loan and lease loss provision to assets | 0.3188% | 429 |
| Net operating income to assets | 0.4091% | 4,941 |
| Return on assets (ROA) | 0.3692% | 5,022 |
| Pretax return on assets | 0.3692% | 5,084 |
| Return on Equity (ROE) | 3.9545% | 4,836 |
| Retained earnings to average equity (ytd only) | -1.5647% | 5,118 |
| Net charge-offs to loans | 0.0499% | 1,888 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 34.2500% | 1,400 |
| Efficiency ratio | 80.8526% | 928 |
| Assets per employee ($millions) | 4.8413% | 2,628 |
| Cash dividends to net income (ytd only)* | 139.5683% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9398% | 154 |
| Loan loss allowance to noncurrent loans | 62.0712% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.9946% | 542 |
| Noncurrent loans to loans | 4.7362% | 152 |
| Net loans and leases to total assets | 40.8748% | 5,027 |
| Net loans and leases to deposits | 45.9456% | 5,100 |
| Net loans and leases to core deposits | 55.4452% | 4,884 |
| Total domestic deposits to total assets | 88.9635% | 952 |
| Equity capital to assets | 8.7425% | 4,766 |
| Core capital (leverage) ratio | 10.4838% | 3,048 |
| Tier 1 risk-based capital ratio | 21.2527% | 1,134 |
| Total risk-based capital ratio | 22.5182% | 1,112 |
| Memoranda: | ||
| Average total assets | $75,290,000 | 4,603 |
| Average earning assets | $73,029,000 | 4,526 |
| Average equity | $7,030,000 | 4,840 |
| Average total loans | $32,040,330 | 4,872 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,691 |
| Cost of funding earning assets | 0.2890% | 4,422 |
| Net interest margin | 3.6909% | 2,837 |
| Noninterest income to average assets | 0.4043% | 3,432 |
| Noninterest expense to average assets | 3.1157% | 1,784 |
| Loan and lease loss provision to assets | 0.3234% | 389 |
| Net operating income to assets | 0.5444% | 4,593 |
| Return on assets (ROA) | 0.5444% | 4,597 |
| Pretax return on assets | 0.5444% | 4,801 |
| Return on Equity (ROE) | 5.6432% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.6432% | 2,875 |
| Net charge-offs to loans | 0.0630% | 1,478 |
| Credit loss provision to net charge-offs | 1,200.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 32.2000% | 1,200 |
| Efficiency ratio | 78.2138% | 1,332 |
| Assets per employee ($millions) | 4.7349% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0358% | 154 |
| Loan loss allowance to noncurrent loans | 57.5990% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 2.0671% | 539 |
| Noncurrent loans to loans | 5.2706% | 133 |
| Net loans and leases to total assets | 38.0290% | 5,138 |
| Net loans and leases to deposits | 45.0135% | 5,128 |
| Net loans and leases to core deposits | 45.9541% | 5,162 |
| Total domestic deposits to total assets | 84.4835% | 3,124 |
| Equity capital to assets | 8.9944% | 4,560 |
| Core capital (leverage) ratio | 10.9906% | 2,449 |
| Tier 1 risk-based capital ratio | 22.3901% | 1,009 |
| Total risk-based capital ratio | 23.6567% | 983 |
| Memoranda: | ||
| Average total assets | $74,204,500 | 4,674 |
| Average earning assets | $71,960,500 | 4,597 |
| Average equity | $7,159,000 | 4,875 |
| Average total loans | $31,750,000 | 4,928 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 3,634 |
| Cost of funding earning assets | 0.2749% | 4,365 |
| Net interest margin | 3.6554% | 2,970 |
| Noninterest income to average assets | 0.4587% | 3,255 |
| Noninterest expense to average assets | 2.9834% | 2,209 |
| Loan and lease loss provision to assets | 1.5064% | 57 |
| Net operating income to assets | -0.5064% | 5,529 |
| Return on assets (ROA) | -0.4362% | 5,515 |
| Pretax return on assets | -0.4362% | 5,540 |
| Return on Equity (ROE) | -4.0745% | 5,524 |
| Retained earnings to average equity (ytd only) | -5.3454% | 5,444 |
| Net charge-offs to loans | 3.1227% | 40 |
| Credit loss provision to net charge-offs | 99.2606% | 2,618 |
| Earnings coverage of net charge-offs (x) | 0.6590% | 3,977 |
| Efficiency ratio | 74.8944% | 1,780 |
| Assets per employee ($millions) | 4.5407% | 3,128 |
| Cash dividends to net income (ytd only)* | -31.1897% | 5,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5068% | 246 |
| Loan loss allowance to noncurrent loans | 34.5151% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 3.3778% | 205 |
| Noncurrent loans to loans | 7.2629% | 54 |
| Net loans and leases to total assets | 45.3414% | 4,922 |
| Net loans and leases to deposits | 51.4462% | 5,012 |
| Net loans and leases to core deposits | 52.5191% | 5,056 |
| Total domestic deposits to total assets | 88.1337% | 1,416 |
| Equity capital to assets | 10.3288% | 3,351 |
| Core capital (leverage) ratio | 11.1668% | 2,181 |
| Tier 1 risk-based capital ratio | 21.9887% | 1,020 |
| Total risk-based capital ratio | 23.2510% | 999 |
| Memoranda: | ||
| Average total assets | $71,293,600 | 4,757 |
| Average earning assets | $68,747,400 | 4,687 |
| Average equity | $7,632,800 | 4,836 |
| Average total loans | $34,650,000 | 4,879 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 3,588 |
| Cost of funding earning assets | 0.2710% | 4,399 |
| Net interest margin | 3.6578% | 2,922 |
| Noninterest income to average assets | 0.4529% | 3,318 |
| Noninterest expense to average assets | 2.9445% | 2,267 |
| Loan and lease loss provision to assets | 1.5597% | 54 |
| Net operating income to assets | -0.5261% | 5,632 |
| Return on assets (ROA) | -0.4322% | 5,625 |
| Pretax return on assets | -0.4322% | 5,619 |
| Return on Equity (ROE) | -4.0008% | 5,624 |
| Retained earnings to average equity (ytd only) | -5.6881% | 5,556 |
| Net charge-offs to loans | 3.4073% | 36 |
| Credit loss provision to net charge-offs | 93.1538% | 2,418 |
| Earnings coverage of net charge-offs (x) | 0.6173% | 3,649 |
| Efficiency ratio | 74.0198% | 1,886 |
| Assets per employee ($millions) | 4.3471% | 3,396 |
| Cash dividends to net income (ytd only)* | -42.1737% | 5,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 337 |
| Loan loss allowance to noncurrent loans | 33.1386% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 3.4448% | 229 |
| Noncurrent loans to loans | 7.0169% | 70 |
| Net loans and leases to total assets | 47.9512% | 4,828 |
| Net loans and leases to deposits | 54.2494% | 4,950 |
| Net loans and leases to core deposits | 55.4269% | 5,022 |
| Total domestic deposits to total assets | 88.3903% | 1,176 |
| Equity capital to assets | 11.2733% | 2,599 |
| Core capital (leverage) ratio | 11.4200% | 2,080 |
| Tier 1 risk-based capital ratio | 22.6965% | 972 |
| Total risk-based capital ratio | 23.9614% | 955 |
| Memoranda: | ||
| Average total assets | $70,954,250 | 4,811 |
| Average earning assets | $68,382,000 | 4,745 |
| Average equity | $7,665,000 | 4,879 |
| Average total loans | $34,865,500 | 4,923 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8556% | 3,702 |
| Cost of funding earning assets | 0.2615% | 4,449 |
| Net interest margin | 3.5941% | 3,065 |
| Noninterest income to average assets | 0.4508% | 3,345 |
| Noninterest expense to average assets | 3.0551% | 1,958 |
| Loan and lease loss provision to assets | 2.1562% | 39 |
| Net operating income to assets | -1.2965% | 5,734 |
| Return on assets (ROA) | -1.2965% | 5,733 |
| Pretax return on assets | -1.2965% | 5,733 |
| Return on Equity (ROE) | -12.1741% | 5,729 |
| Retained earnings to average equity (ytd only) | -14.7246% | 5,700 |
| Net charge-offs to loans | 4.7742% | 24 |
| Credit loss provision to net charge-offs | 91.8854% | 2,121 |
| Earnings coverage of net charge-offs (x) | 0.3663% | 3,382 |
| Efficiency ratio | 78.0401% | 1,456 |
| Assets per employee ($millions) | 4.3913% | 3,284 |
| Cash dividends to net income (ytd only)* | -20.9503% | 5,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3535% | 352 |
| Loan loss allowance to noncurrent loans | 28.2079% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 3.9709% | 173 |
| Noncurrent loans to loans | 8.3433% | 43 |
| Net loans and leases to total assets | 46.4739% | 4,925 |
| Net loans and leases to deposits | 53.5006% | 4,992 |
| Net loans and leases to core deposits | 54.6686% | 5,061 |
| Total domestic deposits to total assets | 86.8661% | 2,004 |
| Equity capital to assets | 10.9136% | 2,911 |
| Core capital (leverage) ratio | 11.0888% | 2,322 |
| Tier 1 risk-based capital ratio | 21.0581% | 1,165 |
| Total risk-based capital ratio | 22.3195% | 1,146 |
| Memoranda: | ||
| Average total assets | $71,421,000 | 4,834 |
| Average earning assets | $68,835,000 | 4,768 |
| Average equity | $7,606,330 | 4,913 |
| Average total loans | $35,105,330 | 4,951 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 3,309 |
| Cost of funding earning assets | 0.2604% | 4,451 |
| Net interest margin | 3.6631% | 2,640 |
| Noninterest income to average assets | 0.4444% | 3,340 |
| Noninterest expense to average assets | 3.0500% | 2,013 |
| Loan and lease loss provision to assets | 0.3333% | 369 |
| Net operating income to assets | 0.5778% | 4,249 |
| Return on assets (ROA) | 0.5778% | 4,294 |
| Pretax return on assets | 0.5778% | 4,781 |
| Return on Equity (ROE) | 5.4914% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.4914% | 2,603 |
| Net charge-offs to loans | -0.0445% | 5,130 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9986% | 1,757 |
| Assets per employee ($millions) | 4.5753% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7301% | 245 |
| Loan loss allowance to noncurrent loans | 21.9962% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 5.7073% | 91 |
| Noncurrent loans to loans | 12.4116% | 21 |
| Net loans and leases to total assets | 44.7284% | 5,000 |
| Net loans and leases to deposits | 50.0237% | 5,131 |
| Net loans and leases to core deposits | 51.0397% | 5,185 |
| Total domestic deposits to total assets | 89.4145% | 938 |
| Equity capital to assets | 10.3956% | 3,296 |
| Core capital (leverage) ratio | 11.6207% | 1,867 |
| Tier 1 risk-based capital ratio | 21.3130% | 1,171 |
| Total risk-based capital ratio | 22.5754% | 1,153 |
| Memoranda: | ||
| Average total assets | $72,001,000 | 4,869 |
| Average earning assets | $69,122,000 | 4,809 |
| Average equity | $7,575,500 | 4,960 |
| Average total loans | $35,938,000 | 4,973 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 3,307 |
| Cost of funding earning assets | 0.2603% | 4,461 |
| Net interest margin | 3.7103% | 2,652 |
| Noninterest income to average assets | 0.4640% | 3,457 |
| Noninterest expense to average assets | 2.9170% | 2,614 |
| Loan and lease loss provision to assets | 0.5325% | 260 |
| Net operating income to assets | 0.5845% | 4,269 |
| Return on assets (ROA) | 0.9705% | 2,592 |
| Pretax return on assets | 0.9705% | 3,582 |
| Return on Equity (ROE) | 8.2247% | 2,821 |
| Retained earnings to average equity (ytd only) | 2.5405% | 4,071 |
| Net charge-offs to loans | 1.0984% | 166 |
| Credit loss provision to net charge-offs | 95.1100% | 2,700 |
| Earnings coverage of net charge-offs (x) | 1.9951% | 3,908 |
| Efficiency ratio | 72.3108% | 2,545 |
| Assets per employee ($millions) | 4.4249% | 3,233 |
| Cash dividends to net income (ytd only)* | 69.1114% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2374% | 442 |
| Loan loss allowance to noncurrent loans | 41.2446% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 2.9280% | 357 |
| Noncurrent loans to loans | 5.4247% | 130 |
| Net loans and leases to total assets | 52.7684% | 4,547 |
| Net loans and leases to deposits | 59.1311% | 4,726 |
| Net loans and leases to core deposits | 60.3743% | 4,845 |
| Total domestic deposits to total assets | 89.2398% | 989 |
| Equity capital to assets | 10.6514% | 2,978 |
| Core capital (leverage) ratio | 11.4868% | 1,937 |
| Tier 1 risk-based capital ratio | 21.4414% | 1,146 |
| Total risk-based capital ratio | 22.7016% | 1,129 |
| Memoranda: | ||
| Average total assets | $73,054,400 | 4,865 |
| Average earning assets | $70,290,200 | 4,800 |
| Average equity | $8,620,400 | 4,818 |
| Average total loans | $37,236,600 | 4,972 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 3,498 |
| Cost of funding earning assets | 0.2559% | 4,550 |
| Net interest margin | 3.6729% | 2,819 |
| Noninterest income to average assets | 0.4492% | 3,564 |
| Noninterest expense to average assets | 2.8543% | 2,812 |
| Loan and lease loss provision to assets | 0.4147% | 340 |
| Net operating income to assets | 0.7154% | 3,763 |
| Return on assets (ROA) | 0.9834% | 2,641 |
| Pretax return on assets | 0.9834% | 3,690 |
| Return on Equity (ROE) | 8.1435% | 2,935 |
| Retained earnings to average equity (ytd only) | 3.7044% | 3,670 |
| Net charge-offs to loans | 1.4669% | 92 |
| Credit loss provision to net charge-offs | 56.2654% | 2,954 |
| Earnings coverage of net charge-offs (x) | 1.5332% | 3,683 |
| Efficiency ratio | 71.6364% | 2,625 |
| Assets per employee ($millions) | 4.4839% | 3,114 |
| Cash dividends to net income (ytd only)* | 54.5126% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 957 |
| Loan loss allowance to noncurrent loans | 33.7204% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.8812% | 417 |
| Noncurrent loans to loans | 5.4299% | 142 |
| Net loans and leases to total assets | 52.0894% | 4,654 |
| Net loans and leases to deposits | 60.5153% | 4,716 |
| Net loans and leases to core deposits | 61.8156% | 4,845 |
| Total domestic deposits to total assets | 86.0765% | 2,314 |
| Equity capital to assets | 12.4111% | 1,836 |
| Core capital (leverage) ratio | 11.9335% | 1,723 |
| Tier 1 risk-based capital ratio | 21.4402% | 1,201 |
| Total risk-based capital ratio | 22.6972% | 1,186 |
| Memoranda: | ||
| Average total assets | $73,618,500 | 4,894 |
| Average earning assets | $70,860,250 | 4,820 |
| Average equity | $8,890,250 | 4,826 |
| Average total loans | $36,992,250 | 5,028 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 3,515 |
| Cost of funding earning assets | 0.2554% | 4,600 |
| Net interest margin | 3.6708% | 2,823 |
| Noninterest income to average assets | 0.4499% | 3,522 |
| Noninterest expense to average assets | 2.8393% | 2,883 |
| Loan and lease loss provision to assets | 0.4553% | 310 |
| Net operating income to assets | 0.6788% | 3,904 |
| Return on assets (ROA) | 1.0748% | 2,190 |
| Pretax return on assets | 1.0748% | 3,308 |
| Return on Equity (ROE) | 8.9808% | 2,499 |
| Retained earnings to average equity (ytd only) | 4.5241% | 3,034 |
| Net charge-offs to loans | 0.2129% | 1,104 |
| Credit loss provision to net charge-offs | 433.3333% | 732 |
| Earnings coverage of net charge-offs (x) | 10.7949% | 2,304 |
| Efficiency ratio | 71.4576% | 2,752 |
| Assets per employee ($millions) | 4.3345% | 3,318 |
| Cash dividends to net income (ytd only)* | 49.6241% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7728% | 257 |
| Loan loss allowance to noncurrent loans | 43.6767% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 3.3179% | 342 |
| Noncurrent loans to loans | 6.3485% | 108 |
| Net loans and leases to total assets | 50.8132% | 4,780 |
| Net loans and leases to deposits | 58.6434% | 4,869 |
| Net loans and leases to core deposits | 59.9381% | 4,983 |
| Total domestic deposits to total assets | 86.6478% | 2,087 |
| Equity capital to assets | 13.0825% | 1,454 |
| Core capital (leverage) ratio | 12.1866% | 1,517 |
| Tier 1 risk-based capital ratio | 20.7599% | 1,299 |
| Total risk-based capital ratio | 22.0217% | 1,281 |
| Memoranda: | ||
| Average total assets | $74,244,000 | 4,926 |
| Average earning assets | $71,264,670 | 4,852 |
| Average equity | $8,885,670 | 4,862 |
| Average total loans | $36,634,000 | 5,085 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 3,467 |
| Cost of funding earning assets | 0.2558% | 4,645 |
| Net interest margin | 3.6731% | 2,790 |
| Noninterest income to average assets | 0.4329% | 3,595 |
| Noninterest expense to average assets | 2.6861% | 3,471 |
| Loan and lease loss provision to assets | 0.5685% | 201 |
| Net operating income to assets | 0.6989% | 3,723 |
| Return on assets (ROA) | 0.9441% | 2,653 |
| Pretax return on assets | 0.9441% | 3,677 |
| Return on Equity (ROE) | 8.2348% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.2348% | 1,361 |
| Net charge-offs to loans | 0.4453% | 510 |
| Credit loss provision to net charge-offs | 265.8537% | 915 |
| Earnings coverage of net charge-offs (x) | 5.9268% | 2,281 |
| Efficiency ratio | 67.9420% | 3,468 |
| Assets per employee ($millions) | 4.6974% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7471% | 294 |
| Loan loss allowance to noncurrent loans | 128.2993% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.9779% | 2,264 |
| Noncurrent loans to loans | 2.1412% | 975 |
| Net loans and leases to total assets | 44.4184% | 5,220 |
| Net loans and leases to deposits | 50.4496% | 5,318 |
| Net loans and leases to core deposits | 51.4574% | 5,386 |
| Total domestic deposits to total assets | 88.0452% | 1,614 |
| Equity capital to assets | 11.8138% | 2,146 |
| Core capital (leverage) ratio | 11.3289% | 2,116 |
| Tier 1 risk-based capital ratio | 20.9288% | 1,329 |
| Total risk-based capital ratio | 22.1942% | 1,298 |
| Memoranda: | ||
| Average total assets | $76,690,000 | 4,925 |
| Average earning assets | $73,507,000 | 4,855 |
| Average equity | $8,792,000 | 4,905 |
| Average total loans | $36,828,500 | 5,120 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 3,591 |
| Cost of funding earning assets | 0.2634% | 4,660 |
| Net interest margin | 3.6691% | 2,865 |
| Noninterest income to average assets | 0.4544% | 3,630 |
| Noninterest expense to average assets | 2.6289% | 3,823 |
| Loan and lease loss provision to assets | 0.2865% | 619 |
| Net operating income to assets | 1.0573% | 2,094 |
| Return on assets (ROA) | 1.4870% | 917 |
| Pretax return on assets | 1.4870% | 1,598 |
| Return on Equity (ROE) | 13.2791% | 999 |
| Retained earnings to average equity (ytd only) | 6.3488% | 1,630 |
| Net charge-offs to loans | 0.1162% | 2,215 |
| Credit loss provision to net charge-offs | 511.6279% | 632 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,698 |
| Efficiency ratio | 66.1750% | 3,879 |
| Assets per employee ($millions) | 5.2148% | 2,104 |
| Cash dividends to net income (ytd only)* | 52.1891% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2248% | 574 |
| Loan loss allowance to noncurrent loans | 94.0860% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 1,824 |
| Noncurrent loans to loans | 2.3646% | 804 |
| Net loans and leases to total assets | 49.1614% | 4,935 |
| Net loans and leases to deposits | 55.3548% | 5,082 |
| Net loans and leases to core deposits | 56.1978% | 5,191 |
| Total domestic deposits to total assets | 88.8113% | 1,222 |
| Equity capital to assets | 11.1286% | 2,703 |
| Core capital (leverage) ratio | 11.1107% | 2,302 |
| Tier 1 risk-based capital ratio | 18.4293% | 1,847 |
| Total risk-based capital ratio | 19.6876% | 1,795 |
| Memoranda: | ||
| Average total assets | $76,800,000 | 4,932 |
| Average earning assets | $73,642,600 | 4,867 |
| Average equity | $8,600,000 | 4,932 |
| Average total loans | $37,009,200 | 5,124 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 3,850 |
| Cost of funding earning assets | 0.2630% | 4,744 |
| Net interest margin | 3.6082% | 3,127 |
| Noninterest income to average assets | 0.4465% | 3,744 |
| Noninterest expense to average assets | 2.6650% | 3,677 |
| Loan and lease loss provision to assets | 0.1570% | 1,375 |
| Net operating income to assets | 1.0936% | 2,037 |
| Return on assets (ROA) | 1.4459% | 1,060 |
| Pretax return on assets | 1.4459% | 1,842 |
| Return on Equity (ROE) | 12.8918% | 1,150 |
| Retained earnings to average equity (ytd only) | 8.2265% | 1,151 |
| Net charge-offs to loans | 0.1647% | 1,504 |
| Credit loss provision to net charge-offs | 200.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 15.9330% | 2,152 |
| Efficiency ratio | 68.0624% | 3,526 |
| Assets per employee ($millions) | 4.9689% | 2,339 |
| Cash dividends to net income (ytd only)* | 36.1880% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9356% | 1,002 |
| Loan loss allowance to noncurrent loans | 91.2776% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.0921% | 2,172 |
| Noncurrent loans to loans | 2.1206% | 1,064 |
| Net loans and leases to total assets | 50.5051% | 4,891 |
| Net loans and leases to deposits | 58.9323% | 4,926 |
| Net loans and leases to core deposits | 59.9077% | 5,071 |
| Total domestic deposits to total assets | 85.7003% | 2,694 |
| Equity capital to assets | 11.8498% | 2,218 |
| Core capital (leverage) ratio | 11.1209% | 2,376 |
| Tier 1 risk-based capital ratio | 19.4350% | 1,679 |
| Total risk-based capital ratio | 20.6906% | 1,649 |
| Memoranda: | ||
| Average total assets | $76,444,500 | 4,995 |
| Average earning assets | $73,498,000 | 4,924 |
| Average equity | $8,573,750 | 5,000 |
| Average total loans | $36,429,000 | 5,201 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 4,365 |
| Cost of funding earning assets | 0.2619% | 4,810 |
| Net interest margin | 3.4529% | 3,692 |
| Noninterest income to average assets | 0.4307% | 3,850 |
| Noninterest expense to average assets | 2.6258% | 3,831 |
| Loan and lease loss provision to assets | 0.1557% | 1,366 |
| Net operating income to assets | 0.9678% | 2,547 |
| Return on assets (ROA) | 1.4815% | 978 |
| Pretax return on assets | 1.4815% | 1,700 |
| Return on Equity (ROE) | 13.4548% | 1,027 |
| Retained earnings to average equity (ytd only) | 8.7421% | 1,011 |
| Net charge-offs to loans | -0.0839% | 5,721 |
| Credit loss provision to net charge-offs | -400.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0346% | 3,319 |
| Assets per employee ($millions) | 5.0021% | 2,273 |
| Cash dividends to net income (ytd only)* | 35.0263% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 733 |
| Loan loss allowance to noncurrent loans | 74.6384% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 1,812 |
| Noncurrent loans to loans | 2.9453% | 683 |
| Net loans and leases to total assets | 45.8944% | 5,256 |
| Net loans and leases to deposits | 51.8194% | 5,394 |
| Net loans and leases to core deposits | 52.6424% | 5,505 |
| Total domestic deposits to total assets | 88.5661% | 1,383 |
| Equity capital to assets | 11.1887% | 2,678 |
| Core capital (leverage) ratio | 11.0533% | 2,377 |
| Tier 1 risk-based capital ratio | 19.6565% | 1,632 |
| Total risk-based capital ratio | 20.9134% | 1,596 |
| Memoranda: | ||
| Average total assets | $77,081,670 | 5,035 |
| Average earning assets | $74,082,330 | 4,958 |
| Average equity | $8,487,670 | 5,058 |
| Average total loans | $35,776,670 | 5,267 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7388% | 4,235 |
| Cost of funding earning assets | 0.2663% | 4,837 |
| Net interest margin | 3.4725% | 3,542 |
| Noninterest income to average assets | 0.4148% | 3,882 |
| Noninterest expense to average assets | 2.5964% | 3,942 |
| Loan and lease loss provision to assets | 0.1536% | 1,326 |
| Net operating income to assets | 1.0038% | 2,251 |
| Return on assets (ROA) | 2.0177% | 348 |
| Pretax return on assets | 2.0177% | 566 |
| Return on Equity (ROE) | 18.4673% | 353 |
| Retained earnings to average equity (ytd only) | 18.4673% | 132 |
| Net charge-offs to loans | -0.0333% | 5,314 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1678% | 3,628 |
| Assets per employee ($millions) | 5.1605% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2430% | 758 |
| Loan loss allowance to noncurrent loans | 66.6971% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.4159% | 1,873 |
| Noncurrent loans to loans | 3.3630% | 594 |
| Net loans and leases to total assets | 41.1578% | 5,539 |
| Net loans and leases to deposits | 46.5007% | 5,640 |
| Net loans and leases to core deposits | 47.3958% | 5,701 |
| Total domestic deposits to total assets | 88.5101% | 1,541 |
| Equity capital to assets | 11.3581% | 2,590 |
| Core capital (leverage) ratio | 10.8670% | 2,556 |
| Tier 1 risk-based capital ratio | 20.7864% | 1,459 |
| Total risk-based capital ratio | 22.0449% | 1,429 |
| Memoranda: | ||
| Average total assets | $78,107,000 | 5,068 |
| Average earning assets | $75,105,000 | 4,989 |
| Average equity | $8,534,000 | 5,090 |
| Average total loans | $36,060,500 | 5,296 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 3,720 |
| Cost of funding earning assets | 0.2699% | 5,101 |
| Net interest margin | 3.7331% | 2,866 |
| Noninterest income to average assets | 0.5140% | 3,392 |
| Noninterest expense to average assets | 2.5145% | 4,497 |
| Loan and lease loss provision to assets | 0.1586% | 1,657 |
| Net operating income to assets | 1.4416% | 997 |
| Return on assets (ROA) | 1.4416% | 1,030 |
| Pretax return on assets | 1.4416% | 1,750 |
| Return on Equity (ROE) | 14.6188% | 838 |
| Retained earnings to average equity (ytd only) | 7.9191% | 1,049 |
| Net charge-offs to loans | 0.1299% | 2,717 |
| Credit loss provision to net charge-offs | 266.6667% | 960 |
| Earnings coverage of net charge-offs (x) | 26.9111% | 1,450 |
| Efficiency ratio | 61.1111% | 5,048 |
| Assets per employee ($millions) | 5.2552% | 2,009 |
| Cash dividends to net income (ytd only)* | 45.8295% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 1,605 |
| Loan loss allowance to noncurrent loans | 2,055.8824% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 5,864 |
| Noncurrent loans to loans | 0.0860% | 5,540 |
| Net loans and leases to total assets | 49.2883% | 5,038 |
| Net loans and leases to deposits | 58.5488% | 5,022 |
| Net loans and leases to core deposits | 59.7123% | 5,162 |
| Total domestic deposits to total assets | 84.1833% | 3,634 |
| Equity capital to assets | 10.5254% | 3,446 |
| Core capital (leverage) ratio | 10.3017% | 3,170 |
| Tier 1 risk-based capital ratio | 17.3942% | 2,357 |
| Total risk-based capital ratio | 18.6483% | 2,320 |
| Memoranda: | ||
| Average total assets | $75,680,800 | 5,158 |
| Average earning assets | $72,996,200 | 5,070 |
| Average equity | $7,463,000 | 5,311 |
| Average total loans | $34,630,000 | 5,378 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 4,121 |
| Cost of funding earning assets | 0.2692% | 5,212 |
| Net interest margin | 3.6447% | 3,243 |
| Noninterest income to average assets | 0.5109% | 3,475 |
| Noninterest expense to average assets | 2.6276% | 4,101 |
| Loan and lease loss provision to assets | 0.1602% | 1,557 |
| Net operating income to assets | 1.2426% | 1,547 |
| Return on assets (ROA) | 1.2426% | 1,604 |
| Pretax return on assets | 1.2426% | 2,600 |
| Return on Equity (ROE) | 12.8285% | 1,257 |
| Retained earnings to average equity (ytd only) | 7.3148% | 1,660 |
| Net charge-offs to loans | -0.0120% | 5,469 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1943% | 4,335 |
| Assets per employee ($millions) | 4.7081% | 2,660 |
| Cash dividends to net income (ytd only)* | 42.9801% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 1,316 |
| Loan loss allowance to noncurrent loans | 906.3291% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 5,748 |
| Noncurrent loans to loans | 0.2170% | 5,250 |
| Net loans and leases to total assets | 47.3822% | 5,261 |
| Net loans and leases to deposits | 54.4491% | 5,346 |
| Net loans and leases to core deposits | 55.5429% | 5,475 |
| Total domestic deposits to total assets | 87.0211% | 2,308 |
| Equity capital to assets | 10.5536% | 3,495 |
| Core capital (leverage) ratio | 10.6115% | 2,912 |
| Tier 1 risk-based capital ratio | 18.3914% | 2,090 |
| Total risk-based capital ratio | 19.6465% | 2,052 |
| Memoranda: | ||
| Average total assets | $74,894,000 | 5,229 |
| Average earning assets | $72,322,250 | 5,135 |
| Average equity | $7,254,500 | 5,397 |
| Average total loans | $33,399,500 | 5,475 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 4,224 |
| Cost of funding earning assets | 0.2662% | 5,324 |
| Net interest margin | 3.6134% | 3,308 |
| Noninterest income to average assets | 0.4388% | 3,960 |
| Noninterest expense to average assets | 2.6649% | 3,999 |
| Loan and lease loss provision to assets | 0.1605% | 1,545 |
| Net operating income to assets | 1.0997% | 1,944 |
| Return on assets (ROA) | 1.0997% | 2,010 |
| Pretax return on assets | 1.0997% | 3,104 |
| Return on Equity (ROE) | 11.7049% | 1,519 |
| Retained earnings to average equity (ytd only) | 6.0091% | 2,321 |
| Net charge-offs to loans | -0.0185% | 5,516 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8937% | 4,027 |
| Assets per employee ($millions) | 4.6050% | 2,761 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1964% | 1,031 |
| Loan loss allowance to noncurrent loans | 1,758.9744% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 6,030 |
| Noncurrent loans to loans | 0.1249% | 5,647 |
| Net loans and leases to total assets | 41.4590% | 5,713 |
| Net loans and leases to deposits | 49.7047% | 5,653 |
| Net loans and leases to core deposits | 50.7704% | 5,750 |
| Total domestic deposits to total assets | 83.4107% | 4,146 |
| Equity capital to assets | 10.3583% | 3,609 |
| Core capital (leverage) ratio | 10.3790% | 3,106 |
| Tier 1 risk-based capital ratio | 19.7752% | 1,743 |
| Total risk-based capital ratio | 21.0311% | 1,705 |
| Memoranda: | ||
| Average total assets | $74,748,670 | 5,277 |
| Average earning assets | $72,121,330 | 5,177 |
| Average equity | $7,022,670 | 5,486 |
| Average total loans | $32,396,330 | 5,556 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 4,296 |
| Cost of funding earning assets | 0.2697% | 5,389 |
| Net interest margin | 3.5783% | 3,343 |
| Noninterest income to average assets | 0.4357% | 3,902 |
| Noninterest expense to average assets | 2.6620% | 4,071 |
| Loan and lease loss provision to assets | 0.1594% | 1,527 |
| Net operating income to assets | 1.0680% | 1,935 |
| Return on assets (ROA) | 1.0680% | 1,999 |
| Pretax return on assets | 1.0680% | 3,041 |
| Return on Equity (ROE) | 11.9678% | 1,416 |
| Retained earnings to average equity (ytd only) | 11.9678% | 611 |
| Net charge-offs to loans | -0.0364% | 5,670 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4426% | 4,104 |
| Assets per employee ($millions) | 4.7469% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1890% | 1,179 |
| Loan loss allowance to noncurrent loans | 143.5449% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 4,344 |
| Noncurrent loans to loans | 1.5250% | 2,514 |
| Net loans and leases to total assets | 38.5938% | 5,901 |
| Net loans and leases to deposits | 42.6487% | 6,040 |
| Net loans and leases to core deposits | 43.4632% | 6,099 |
| Total domestic deposits to total assets | 90.4924% | 803 |
| Equity capital to assets | 9.3390% | 4,714 |
| Core capital (leverage) ratio | 9.8811% | 3,741 |
| Tier 1 risk-based capital ratio | 19.5234% | 1,829 |
| Total risk-based capital ratio | 20.7802% | 1,799 |
| Memoranda: | ||
| Average total assets | $75,283,000 | 5,316 |
| Average earning assets | $72,660,500 | 5,213 |
| Average equity | $6,718,000 | 5,586 |
| Average total loans | $32,978,000 | 5,585 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 4,647 |
| Cost of funding earning assets | 0.3649% | 5,003 |
| Net interest margin | 3.4789% | 3,988 |
| Noninterest income to average assets | 0.4344% | 4,199 |
| Noninterest expense to average assets | 2.4865% | 4,811 |
| Loan and lease loss provision to assets | 0.1515% | 2,385 |
| Net operating income to assets | 1.1555% | 1,737 |
| Return on assets (ROA) | 1.2161% | 1,575 |
| Pretax return on assets | 1.2161% | 2,513 |
| Return on Equity (ROE) | 14.1684% | 911 |
| Retained earnings to average equity (ytd only) | 6.8120% | 1,524 |
| Net charge-offs to loans | 0.1335% | 3,466 |
| Credit loss provision to net charge-offs | 255.3191% | 885 |
| Earnings coverage of net charge-offs (x) | 22.0213% | 1,469 |
| Efficiency ratio | 65.5459% | 4,645 |
| Assets per employee ($millions) | 4.6635% | 2,633 |
| Cash dividends to net income (ytd only)* | 51.9211% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 2,297 |
| Loan loss allowance to noncurrent loans | 115.1571% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 4,067 |
| Noncurrent loans to loans | 1.5033% | 2,641 |
| Net loans and leases to total assets | 47.3960% | 5,357 |
| Net loans and leases to deposits | 53.1693% | 5,535 |
| Net loans and leases to core deposits | 54.2183% | 5,657 |
| Total domestic deposits to total assets | 89.1417% | 1,524 |
| Equity capital to assets | 8.5009% | 5,582 |
| Core capital (leverage) ratio | 9.7503% | 3,911 |
| Tier 1 risk-based capital ratio | 17.7293% | 2,329 |
| Total risk-based capital ratio | 18.9826% | 2,306 |
| Memoranda: | ||
| Average total assets | $79,189,200 | 5,256 |
| Average earning assets | $76,460,400 | 5,135 |
| Average equity | $6,796,800 | 5,620 |
| Average total loans | $35,196,200 | 5,527 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7485% | 5,038 |
| Cost of funding earning assets | 0.3883% | 4,916 |
| Net interest margin | 3.3602% | 4,430 |
| Noninterest income to average assets | 0.4166% | 4,396 |
| Noninterest expense to average assets | 2.4763% | 4,795 |
| Loan and lease loss provision to assets | 0.1494% | 2,401 |
| Net operating income to assets | 1.0373% | 2,234 |
| Return on assets (ROA) | 1.1170% | 2,014 |
| Pretax return on assets | 1.1170% | 3,036 |
| Return on Equity (ROE) | 12.9852% | 1,236 |
| Retained earnings to average equity (ytd only) | 7.1968% | 1,789 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6031% | 4,168 |
| Assets per employee ($millions) | 4.8814% | 2,333 |
| Cash dividends to net income (ytd only)* | 44.5766% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 2,454 |
| Loan loss allowance to noncurrent loans | 141.2804% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 4,706 |
| Noncurrent loans to loans | 1.2381% | 3,334 |
| Net loans and leases to total assets | 46.0277% | 5,551 |
| Net loans and leases to deposits | 53.5266% | 5,575 |
| Net loans and leases to core deposits | 55.5351% | 5,666 |
| Total domestic deposits to total assets | 85.9903% | 3,255 |
| Equity capital to assets | 8.1149% | 6,065 |
| Core capital (leverage) ratio | 9.3900% | 4,542 |
| Tier 1 risk-based capital ratio | 17.6795% | 2,446 |
| Total risk-based capital ratio | 18.9325% | 2,413 |
| Memoranda: | ||
| Average total assets | $80,332,500 | 5,279 |
| Average earning assets | $77,611,750 | 5,149 |
| Average equity | $6,910,250 | 5,663 |
| Average total loans | $34,998,250 | 5,590 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 5,171 |
| Cost of funding earning assets | 0.3965% | 4,975 |
| Net interest margin | 3.2945% | 4,609 |
| Noninterest income to average assets | 0.4070% | 4,475 |
| Noninterest expense to average assets | 2.4397% | 4,931 |
| Loan and lease loss provision to assets | 0.1480% | 2,484 |
| Net operating income to assets | 0.9966% | 2,341 |
| Return on assets (ROA) | 1.1125% | 2,001 |
| Pretax return on assets | 1.1125% | 3,044 |
| Return on Equity (ROE) | 12.7024% | 1,317 |
| Retained earnings to average equity (ytd only) | 7.0694% | 1,864 |
| Net charge-offs to loans | 0.0116% | 4,641 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 226 |
| Efficiency ratio | 68.0661% | 4,171 |
| Assets per employee ($millions) | 4.7836% | 2,405 |
| Cash dividends to net income (ytd only)* | 44.3459% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8705% | 2,192 |
| Loan loss allowance to noncurrent loans | 136.0179% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 4,791 |
| Noncurrent loans to loans | 1.3752% | 3,251 |
| Net loans and leases to total assets | 41.6740% | 5,924 |
| Net loans and leases to deposits | 45.4631% | 6,140 |
| Net loans and leases to core deposits | 47.3980% | 6,157 |
| Total domestic deposits to total assets | 91.6655% | 323 |
| Equity capital to assets | 7.7061% | 6,361 |
| Core capital (leverage) ratio | 8.9572% | 5,070 |
| Tier 1 risk-based capital ratio | 18.2190% | 2,237 |
| Total risk-based capital ratio | 19.4742% | 2,197 |
| Memoranda: | ||
| Average total assets | $81,075,670 | 5,294 |
| Average earning assets | $78,190,330 | 5,164 |
| Average equity | $7,101,000 | 5,657 |
| Average total loans | $34,468,000 | 5,641 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4465% | 5,842 |
| Cost of funding earning assets | 0.3984% | 5,118 |
| Net interest margin | 3.0481% | 5,442 |
| Noninterest income to average assets | 0.3983% | 4,468 |
| Noninterest expense to average assets | 2.3181% | 5,375 |
| Loan and lease loss provision to assets | 0.1440% | 2,439 |
| Net operating income to assets | 0.8735% | 2,784 |
| Return on assets (ROA) | 1.0990% | 1,962 |
| Pretax return on assets | 1.0990% | 2,952 |
| Return on Equity (ROE) | 11.8922% | 1,456 |
| Retained earnings to average equity (ytd only) | 11.8922% | 719 |
| Net charge-offs to loans | 0.0226% | 3,723 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 358 |
| Efficiency ratio | 69.4964% | 4,057 |
| Assets per employee ($millions) | 4.9406% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9005% | 2,296 |
| Loan loss allowance to noncurrent loans | 123.2409% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 4,993 |
| Noncurrent loans to loans | 1.5421% | 3,239 |
| Net loans and leases to total assets | 35.5221% | 6,333 |
| Net loans and leases to deposits | 39.1613% | 6,456 |
| Net loans and leases to core deposits | 40.6887% | 6,456 |
| Total domestic deposits to total assets | 90.7072% | 669 |
| Equity capital to assets | 9.1320% | 5,331 |
| Core capital (leverage) ratio | 8.3940% | 5,720 |
| Tier 1 risk-based capital ratio | 18.3256% | 2,255 |
| Total risk-based capital ratio | 19.5791% | 2,212 |
| Memoranda: | ||
| Average total assets | $83,345,000 | 5,287 |
| Average earning assets | $80,313,000 | 5,143 |
| Average equity | $7,702,500 | 5,583 |
| Average total loans | $35,450,000 | 5,644 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 6,098 |
| Cost of funding earning assets | 0.4826% | 5,335 |
| Net interest margin | 3.1883% | 5,596 |
| Noninterest income to average assets | 0.7003% | 2,722 |
| Noninterest expense to average assets | 2.2259% | 5,865 |
| Loan and lease loss provision to assets | 0.0673% | 4,910 |
| Net operating income to assets | 1.4888% | 935 |
| Return on assets (ROA) | 1.6835% | 720 |
| Pretax return on assets | 1.6835% | 1,177 |
| Return on Equity (ROE) | 18.5255% | 397 |
| Retained earnings to average equity (ytd only) | 13.1363% | 247 |
| Net charge-offs to loans | 0.3221% | 3,039 |
| Credit loss provision to net charge-offs | 53.3981% | 4,609 |
| Earnings coverage of net charge-offs (x) | 12.3398% | 1,938 |
| Efficiency ratio | 58.8540% | 5,714 |
| Assets per employee ($millions) | 4.8647% | 2,397 |
| Cash dividends to net income (ytd only)* | 29.0909% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 4,359 |
| Loan loss allowance to noncurrent loans | 113.6364% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 5,014 |
| Noncurrent loans to loans | 1.1954% | 3,860 |
| Net loans and leases to total assets | 48.2914% | 5,379 |
| Net loans and leases to deposits | 55.0977% | 5,542 |
| Net loans and leases to core deposits | 56.3947% | 5,685 |
| Total domestic deposits to total assets | 87.6469% | 2,453 |
| Equity capital to assets | 9.3531% | 5,071 |
| Core capital (leverage) ratio | 8.5854% | 5,481 |
| Tier 1 risk-based capital ratio | 15.2840% | 3,555 |
| Total risk-based capital ratio | 16.5265% | 3,511 |
| Memoranda: | ||
| Average total assets | $81,674,400 | 5,310 |
| Average earning assets | $78,944,600 | 5,161 |
| Average equity | $7,422,200 | 5,658 |
| Average total loans | $31,980,400 | 5,855 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 6,471 |
| Cost of funding earning assets | 0.5085% | 5,387 |
| Net interest margin | 3.0238% | 6,120 |
| Noninterest income to average assets | 0.7664% | 2,403 |
| Noninterest expense to average assets | 2.2337% | 5,871 |
| Loan and lease loss provision to assets | 0.0246% | 5,481 |
| Net operating income to assets | 1.4394% | 1,145 |
| Return on assets (ROA) | 1.6802% | 800 |
| Pretax return on assets | 1.6802% | 1,328 |
| Return on Equity (ROE) | 18.6270% | 428 |
| Retained earnings to average equity (ytd only) | 14.9961% | 236 |
| Net charge-offs to loans | 0.4868% | 2,157 |
| Credit loss provision to net charge-offs | 13.7615% | 5,034 |
| Earnings coverage of net charge-offs (x) | 8.2018% | 2,486 |
| Efficiency ratio | 60.4074% | 5,429 |
| Assets per employee ($millions) | 4.7694% | 2,506 |
| Cash dividends to net income (ytd only)* | 19.4931% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 4,407 |
| Loan loss allowance to noncurrent loans | 92.1389% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 4,998 |
| Noncurrent loans to loans | 1.5117% | 3,521 |
| Net loans and leases to total assets | 44.0077% | 5,967 |
| Net loans and leases to deposits | 49.6811% | 6,136 |
| Net loans and leases to core deposits | 50.4012% | 6,261 |
| Total domestic deposits to total assets | 88.5803% | 1,672 |
| Equity capital to assets | 9.7436% | 4,863 |
| Core capital (leverage) ratio | 8.4292% | 5,860 |
| Tier 1 risk-based capital ratio | 15.9922% | 3,264 |
| Total risk-based capital ratio | 17.2105% | 3,257 |
| Memoranda: | ||
| Average total assets | $81,418,000 | 5,369 |
| Average earning assets | $78,928,500 | 5,207 |
| Average equity | $7,344,000 | 5,730 |
| Average total loans | $29,853,750 | 6,029 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3855% | 6,738 |
| Cost of funding earning assets | 0.5415% | 5,362 |
| Net interest margin | 2.8440% | 6,511 |
| Noninterest income to average assets | 0.9248% | 1,691 |
| Noninterest expense to average assets | 2.2666% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4154% | 1,158 |
| Return on assets (ROA) | 1.7760% | 659 |
| Pretax return on assets | 1.7760% | 1,085 |
| Return on Equity (ROE) | 20.2272% | 343 |
| Retained earnings to average equity (ytd only) | 17.4334% | 164 |
| Net charge-offs to loans | 0.0288% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 144.2500% | 313 |
| Efficiency ratio | 61.5590% | 5,320 |
| Assets per employee ($millions) | 4.6772% | 2,600 |
| Cash dividends to net income (ytd only)* | 13.8122% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8603% | 2,670 |
| Loan loss allowance to noncurrent loans | 282.8571% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 6,115 |
| Noncurrent loans to loans | 0.6577% | 5,190 |
| Net loans and leases to total assets | 39.4117% | 6,377 |
| Net loans and leases to deposits | 45.0613% | 6,500 |
| Net loans and leases to core deposits | 45.7354% | 6,585 |
| Total domestic deposits to total assets | 87.4623% | 2,494 |
| Equity capital to assets | 9.3483% | 5,259 |
| Core capital (leverage) ratio | 8.2222% | 6,021 |
| Tier 1 risk-based capital ratio | 16.3550% | 2,980 |
| Total risk-based capital ratio | 17.6092% | 2,951 |
| Memoranda: | ||
| Average total assets | $81,531,000 | 5,396 |
| Average earning assets | $79,043,330 | 5,237 |
| Average equity | $7,158,670 | 5,799 |
| Average total loans | $27,743,330 | 6,164 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2779% | 6,903 |
| Cost of funding earning assets | 0.6005% | 5,121 |
| Net interest margin | 2.6774% | 6,801 |
| Noninterest income to average assets | 1.3763% | 765 |
| Noninterest expense to average assets | 2.2583% | 5,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7107% | 701 |
| Return on assets (ROA) | 2.3843% | 259 |
| Pretax return on assets | 2.3843% | 402 |
| Return on Equity (ROE) | 28.0282% | 127 |
| Retained earnings to average equity (ytd only) | 28.0282% | 68 |
| Net charge-offs to loans | 0.0468% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 117.6667% | 301 |
| Efficiency ratio | 56.8987% | 6,038 |
| Assets per employee ($millions) | 4.7638% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2389% | 1,798 |
| Loan loss allowance to noncurrent loans | 251.0549% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 6,160 |
| Noncurrent loans to loans | 0.8918% | 4,883 |
| Net loans and leases to total assets | 32.0816% | 6,828 |
| Net loans and leases to deposits | 36.5358% | 6,870 |
| Net loans and leases to core deposits | 36.8071% | 6,915 |
| Total domestic deposits to total assets | 87.8087% | 2,450 |
| Equity capital to assets | 8.9746% | 5,531 |
| Core capital (leverage) ratio | 7.8307% | 6,389 |
| Tier 1 risk-based capital ratio | 17.8037% | 2,356 |
| Total risk-based capital ratio | 19.0593% | 2,334 |
| Memoranda: | ||
| Average total assets | $82,540,500 | 5,399 |
| Average earning assets | $79,929,500 | 5,248 |
| Average equity | $7,021,500 | 5,868 |
| Average total loans | $25,649,500 | 6,325 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 6,297 |
| Cost of funding earning assets | 0.9212% | 3,951 |
| Net interest margin | 3.1687% | 6,171 |
| Noninterest income to average assets | 0.6066% | 3,126 |
| Noninterest expense to average assets | 2.5099% | 5,439 |
| Loan and lease loss provision to assets | 0.1874% | 4,313 |
| Net operating income to assets | 0.9606% | 2,356 |
| Return on assets (ROA) | 1.1425% | 1,804 |
| Pretax return on assets | 1.1425% | 2,685 |
| Return on Equity (ROE) | 13.3856% | 1,067 |
| Retained earnings to average equity (ytd only) | 8.5063% | 919 |
| Net charge-offs to loans | 0.0934% | 5,407 |
| Credit loss provision to net charge-offs | 540.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 33.0800% | 780 |
| Efficiency ratio | 68.6148% | 4,227 |
| Assets per employee ($millions) | 4.9469% | 2,280 |
| Cash dividends to net income (ytd only)* | 36.4520% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4188% | 1,431 |
| Loan loss allowance to noncurrent loans | 196.7105% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 6,074 |
| Noncurrent loans to loans | 1.2296% | 4,312 |
| Net loans and leases to total assets | 28.6871% | 7,044 |
| Net loans and leases to deposits | 31.6058% | 7,101 |
| Net loans and leases to core deposits | 31.8238% | 7,116 |
| Total domestic deposits to total assets | 90.7654% | 600 |
| Equity capital to assets | 8.0562% | 6,534 |
| Core capital (leverage) ratio | 6.9845% | 6,871 |
| Tier 1 risk-based capital ratio | 16.7957% | 2,692 |
| Total risk-based capital ratio | 18.0523% | 2,655 |
| Memoranda: | ||
| Average total assets | $72,035,200 | 5,689 |
| Average earning assets | $69,366,400 | 5,561 |
| Average equity | $6,148,400 | 6,115 |
| Average total loans | $26,774,800 | 6,314 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 5,766 |
| Cost of funding earning assets | 1.0181% | 3,543 |
| Net interest margin | 3.3334% | 5,760 |
| Noninterest income to average assets | 0.6066% | 3,130 |
| Noninterest expense to average assets | 2.5886% | 5,126 |
| Loan and lease loss provision to assets | 0.2222% | 3,795 |
| Net operating income to assets | 1.0026% | 2,308 |
| Return on assets (ROA) | 1.0026% | 2,460 |
| Pretax return on assets | 1.0026% | 3,387 |
| Return on Equity (ROE) | 11.5489% | 1,665 |
| Retained earnings to average equity (ytd only) | 4.8732% | 3,260 |
| Net charge-offs to loans | 0.2736% | 3,724 |
| Credit loss provision to net charge-offs | 205.3571% | 1,425 |
| Earnings coverage of net charge-offs (x) | 11.3221% | 1,819 |
| Efficiency ratio | 67.8825% | 4,346 |
| Assets per employee ($millions) | 4.9124% | 2,306 |
| Cash dividends to net income (ytd only)* | 57.8037% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1138% | 2,038 |
| Loan loss allowance to noncurrent loans | 156.2857% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 5,678 |
| Noncurrent loans to loans | 1.3526% | 4,277 |
| Net loans and leases to total assets | 30.3317% | 7,079 |
| Net loans and leases to deposits | 33.0162% | 7,157 |
| Net loans and leases to core deposits | 33.2419% | 7,178 |
| Total domestic deposits to total assets | 91.8692% | 229 |
| Equity capital to assets | 7.8697% | 6,769 |
| Core capital (leverage) ratio | 7.9593% | 6,434 |
| Tier 1 risk-based capital ratio | 15.5556% | 3,352 |
| Total risk-based capital ratio | 16.8254% | 3,305 |
| Memoranda: | ||
| Average total assets | $69,019,750 | 5,812 |
| Average earning assets | $66,397,500 | 5,697 |
| Average equity | $5,991,750 | 6,206 |
| Average total loans | $27,287,750 | 6,336 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 4,711 |
| Cost of funding earning assets | 1.2060% | 2,536 |
| Net interest margin | 3.4526% | 5,355 |
| Noninterest income to average assets | 0.7104% | 2,495 |
| Noninterest expense to average assets | 2.8104% | 4,386 |
| Loan and lease loss provision to assets | 0.2648% | 3,282 |
| Net operating income to assets | 0.9534% | 2,424 |
| Return on assets (ROA) | 0.9534% | 2,518 |
| Pretax return on assets | 0.9534% | 3,416 |
| Return on Equity (ROE) | 10.5548% | 1,933 |
| Retained earnings to average equity (ytd only) | 3.6562% | 3,900 |
| Net charge-offs to loans | -0.0144% | 6,758 |
| Credit loss provision to net charge-offs | -4,250.0000% | 6,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7602% | 4,160 |
| Assets per employee ($millions) | 3.8597% | 4,071 |
| Cash dividends to net income (ytd only)* | 65.3595% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 2,099 |
| Loan loss allowance to noncurrent loans | 216.9811% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 5,710 |
| Noncurrent loans to loans | 0.9734% | 5,039 |
| Net loans and leases to total assets | 40.6142% | 6,694 |
| Net loans and leases to deposits | 46.2897% | 6,810 |
| Net loans and leases to core deposits | 46.7117% | 6,903 |
| Total domestic deposits to total assets | 87.7391% | 2,321 |
| Equity capital to assets | 9.4338% | 4,918 |
| Core capital (leverage) ratio | 8.4945% | 5,563 |
| Tier 1 risk-based capital ratio | 17.1935% | 2,440 |
| Total risk-based capital ratio | 18.4436% | 2,419 |
| Memoranda: | ||
| Average total assets | $64,189,670 | 6,007 |
| Average earning assets | $61,692,000 | 5,898 |
| Average equity | $5,798,330 | 6,290 |
| Average total loans | $27,758,000 | 6,377 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 3,593 |
| Cost of funding earning assets | 1.2481% | 2,515 |
| Net interest margin | 3.6523% | 4,315 |
| Noninterest income to average assets | 0.8318% | 1,921 |
| Noninterest expense to average assets | 2.8357% | 4,312 |
| Loan and lease loss provision to assets | 0.3466% | 2,485 |
| Net operating income to assets | 1.1532% | 1,656 |
| Return on assets (ROA) | 1.1532% | 1,702 |
| Pretax return on assets | 1.1532% | 2,547 |
| Return on Equity (ROE) | 13.0656% | 1,177 |
| Retained earnings to average equity (ytd only) | 13.0656% | 577 |
| Net charge-offs to loans | -0.1998% | 7,256 |
| Credit loss provision to net charge-offs | -392.8571% | 5,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4070% | 5,139 |
| Assets per employee ($millions) | 3.9852% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2683% | 1,821 |
| Loan loss allowance to noncurrent loans | 198.2206% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6081% | 5,755 |
| Noncurrent loans to loans | 1.1443% | 4,789 |
| Net loans and leases to total assets | 35.4239% | 7,026 |
| Net loans and leases to deposits | 38.7844% | 7,144 |
| Net loans and leases to core deposits | 39.1112% | 7,189 |
| Total domestic deposits to total assets | 91.3355% | 469 |
| Equity capital to assets | 8.5139% | 5,886 |
| Core capital (leverage) ratio | 8.4277% | 5,578 |
| Tier 1 risk-based capital ratio | 17.5645% | 2,265 |
| Total risk-based capital ratio | 18.8212% | 2,230 |
| Memoranda: | ||
| Average total assets | $63,477,000 | 6,080 |
| Average earning assets | $60,893,000 | 5,969 |
| Average equity | $5,602,500 | 6,366 |
| Average total loans | $28,025,000 | 6,417 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6748% | 1,665 |
| Cost of funding earning assets | 1.2778% | 4,033 |
| Net interest margin | 4.3970% | 1,483 |
| Noninterest income to average assets | 0.6235% | 3,323 |
| Noninterest expense to average assets | 3.0087% | 3,816 |
| Loan and lease loss provision to assets | 0.2504% | 4,790 |
| Net operating income to assets | 1.5544% | 681 |
| Return on assets (ROA) | 1.6425% | 624 |
| Pretax return on assets | 1.6425% | 1,047 |
| Return on Equity (ROE) | 16.9025% | 487 |
| Retained earnings to average equity (ytd only) | 8.0158% | 974 |
| Net charge-offs to loans | 0.2055% | 5,054 |
| Credit loss provision to net charge-offs | 237.7049% | 1,226 |
| Earnings coverage of net charge-offs (x) | 17.1311% | 1,173 |
| Efficiency ratio | 62.5045% | 5,631 |
| Assets per employee ($millions) | 3.4827% | 4,974 |
| Cash dividends to net income (ytd only)* | 52.5762% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 3,779 |
| Loan loss allowance to noncurrent loans | 164.8649% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 5,562 |
| Noncurrent loans to loans | 0.9399% | 5,167 |
| Net loans and leases to total assets | 52.3697% | 5,867 |
| Net loans and leases to deposits | 57.7103% | 6,282 |
| Net loans and leases to core deposits | 58.2677% | 6,537 |
| Total domestic deposits to total assets | 90.7459% | 718 |
| Equity capital to assets | 9.1832% | 4,864 |
| Core capital (leverage) ratio | 9.3489% | 3,929 |
| Tier 1 risk-based capital ratio | 15.1456% | 3,175 |
| Total risk-based capital ratio | 16.4205% | 3,103 |
| Memoranda: | ||
| Average total assets | $57,898,400 | 6,279 |
| Average earning assets | $55,173,400 | 6,167 |
| Average equity | $5,626,400 | 6,478 |
| Average total loans | $29,681,600 | 6,411 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6452% | 1,896 |
| Cost of funding earning assets | 1.2739% | 4,410 |
| Net interest margin | 4.3712% | 1,611 |
| Noninterest income to average assets | 0.6369% | 3,209 |
| Noninterest expense to average assets | 2.9945% | 3,767 |
| Loan and lease loss provision to assets | 0.2084% | 4,979 |
| Net operating income to assets | 1.5980% | 750 |
| Return on assets (ROA) | 1.7161% | 661 |
| Pretax return on assets | 1.7161% | 1,086 |
| Return on Equity (ROE) | 17.4132% | 545 |
| Retained earnings to average equity (ytd only) | 10.3633% | 711 |
| Net charge-offs to loans | 0.0091% | 6,538 |
| Credit loss provision to net charge-offs | 4,500.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 389.5019% | 80 |
| Efficiency ratio | 62.3734% | 5,547 |
| Assets per employee ($millions) | 3.6891% | 4,532 |
| Cash dividends to net income (ytd only)* | 40.4856% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 3,947 |
| Loan loss allowance to noncurrent loans | 142.6087% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8064% | 5,485 |
| Noncurrent loans to loans | 1.0532% | 5,136 |
| Net loans and leases to total assets | 54.6624% | 5,749 |
| Net loans and leases to deposits | 64.3037% | 5,877 |
| Net loans and leases to core deposits | 64.9666% | 6,210 |
| Total domestic deposits to total assets | 85.0066% | 3,616 |
| Equity capital to assets | 10.1464% | 3,953 |
| Core capital (leverage) ratio | 9.4247% | 4,024 |
| Tier 1 risk-based capital ratio | 15.2444% | 3,129 |
| Total risk-based capital ratio | 16.4882% | 3,101 |
| Memoranda: | ||
| Average total assets | $57,571,500 | 6,368 |
| Average earning assets | $54,842,000 | 6,248 |
| Average equity | $5,673,750 | 6,546 |
| Average total loans | $29,228,500 | 6,521 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5307% | 2,403 |
| Cost of funding earning assets | 1.2777% | 4,667 |
| Net interest margin | 4.2530% | 1,953 |
| Noninterest income to average assets | 0.6481% | 3,025 |
| Noninterest expense to average assets | 3.0550% | 3,499 |
| Loan and lease loss provision to assets | 0.2102% | 4,775 |
| Net operating income to assets | 1.4294% | 1,038 |
| Return on assets (ROA) | 1.6081% | 771 |
| Pretax return on assets | 1.6081% | 1,282 |
| Return on Equity (ROE) | 16.4851% | 634 |
| Retained earnings to average equity (ytd only) | 9.3020% | 1,013 |
| Net charge-offs to loans | 0.0570% | 5,590 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 525 |
| Efficiency ratio | 65.0746% | 5,135 |
| Assets per employee ($millions) | 3.5051% | 4,918 |
| Cash dividends to net income (ytd only)* | 43.5730% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 3,493 |
| Loan loss allowance to noncurrent loans | 132.5581% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 5,956 |
| Noncurrent loans to loans | 1.1992% | 4,964 |
| Net loans and leases to total assets | 50.3352% | 6,395 |
| Net loans and leases to deposits | 57.9056% | 6,580 |
| Net loans and leases to core deposits | 58.5166% | 6,796 |
| Total domestic deposits to total assets | 86.9263% | 2,569 |
| Equity capital to assets | 10.2225% | 3,740 |
| Core capital (leverage) ratio | 9.4753% | 3,857 |
| Tier 1 risk-based capital ratio | 16.6514% | 2,421 |
| Total risk-based capital ratio | 17.9177% | 2,363 |
| Memoranda: | ||
| Average total assets | $57,086,670 | 6,430 |
| Average earning assets | $54,315,000 | 6,310 |
| Average equity | $5,568,670 | 6,599 |
| Average total loans | $28,052,330 | 6,633 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5661% | 2,304 |
| Cost of funding earning assets | 1.2800% | 4,926 |
| Net interest margin | 4.2861% | 1,727 |
| Noninterest income to average assets | 0.6390% | 3,005 |
| Noninterest expense to average assets | 3.0909% | 3,305 |
| Loan and lease loss provision to assets | 0.2084% | 4,418 |
| Net operating income to assets | 1.4100% | 1,052 |
| Return on assets (ROA) | 1.7226% | 640 |
| Pretax return on assets | 1.7226% | 1,016 |
| Return on Equity (ROE) | 18.0807% | 510 |
| Retained earnings to average equity (ytd only) | 18.0807% | 244 |
| Net charge-offs to loans | 0.0144% | 5,384 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 144 |
| Efficiency ratio | 65.6342% | 5,198 |
| Assets per employee ($millions) | 3.8002% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 3,211 |
| Loan loss allowance to noncurrent loans | 534.5679% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 7,127 |
| Noncurrent loans to loans | 0.3106% | 6,702 |
| Net loans and leases to total assets | 44.9924% | 6,905 |
| Net loans and leases to deposits | 49.9805% | 7,124 |
| Net loans and leases to core deposits | 50.4793% | 7,266 |
| Total domestic deposits to total assets | 90.0198% | 978 |
| Equity capital to assets | 9.8047% | 4,099 |
| Core capital (leverage) ratio | 9.1345% | 4,320 |
| Tier 1 risk-based capital ratio | 16.7233% | 2,367 |
| Total risk-based capital ratio | 17.9755% | 2,320 |
| Memoranda: | ||
| Average total assets | $57,589,000 | 6,482 |
| Average earning assets | $54,688,000 | 6,372 |
| Average equity | $5,486,500 | 6,680 |
| Average total loans | $27,736,000 | 6,733 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 3,211 |
| Cost of funding earning assets | 1.3167% | 6,252 |
| Net interest margin | 4.3624% | 1,537 |
| Noninterest income to average assets | 0.6200% | 3,487 |
| Noninterest expense to average assets | 3.0512% | 3,940 |
| Loan and lease loss provision to assets | 0.3064% | 4,984 |
| Net operating income to assets | 1.4184% | 819 |
| Return on assets (ROA) | 1.4292% | 857 |
| Pretax return on assets | 1.4292% | 1,363 |
| Return on Equity (ROE) | 15.0412% | 662 |
| Retained earnings to average equity (ytd only) | 5.5575% | 1,549 |
| Net charge-offs to loans | 0.3034% | 4,734 |
| Credit loss provision to net charge-offs | 212.5000% | 1,809 |
| Earnings coverage of net charge-offs (x) | 11.9625% | 1,552 |
| Efficiency ratio | 63.8868% | 5,794 |
| Assets per employee ($millions) | 3.6359% | 4,682 |
| Cash dividends to net income (ytd only)* | 63.0517% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 4,370 |
| Loan loss allowance to noncurrent loans | 498.7654% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 7,132 |
| Noncurrent loans to loans | 0.2756% | 6,740 |
| Net loans and leases to total assets | 49.8290% | 6,661 |
| Net loans and leases to deposits | 57.7842% | 6,796 |
| Net loans and leases to core deposits | 69.1211% | 6,823 |
| Total domestic deposits to total assets | 86.2329% | 2,897 |
| Equity capital to assets | 9.2548% | 4,762 |
| Core capital (leverage) ratio | 8.7148% | 4,902 |
| Tier 1 risk-based capital ratio | 14.4830% | 3,220 |
| Total risk-based capital ratio | 15.6762% | 3,197 |
| Memoranda: | ||
| Average total assets | $55,486,200 | 6,510 |
| Average earning assets | $52,860,600 | 6,418 |
| Average equity | $5,272,200 | 6,845 |
| Average total loans | $26,364,800 | 6,836 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5805% | 3,970 |
| Cost of funding earning assets | 1.3321% | 6,460 |
| Net interest margin | 4.2484% | 1,875 |
| Noninterest income to average assets | 0.6154% | 3,586 |
| Noninterest expense to average assets | 3.1256% | 3,555 |
| Loan and lease loss provision to assets | 0.3162% | 4,446 |
| Net operating income to assets | 1.2308% | 1,395 |
| Return on assets (ROA) | 1.2454% | 1,424 |
| Pretax return on assets | 1.2454% | 2,124 |
| Return on Equity (ROE) | 13.0171% | 1,115 |
| Retained earnings to average equity (ytd only) | 5.3899% | 2,259 |
| Net charge-offs to loans | 0.3332% | 3,967 |
| Credit loss provision to net charge-offs | 203.1250% | 2,192 |
| Earnings coverage of net charge-offs (x) | 9.9377% | 2,035 |
| Efficiency ratio | 66.8922% | 5,212 |
| Assets per employee ($millions) | 3.8159% | 4,158 |
| Cash dividends to net income (ytd only)* | 58.5937% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 4,117 |
| Loan loss allowance to noncurrent loans | 213.4831% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 6,759 |
| Noncurrent loans to loans | 0.6412% | 6,014 |
| Net loans and leases to total assets | 44.8432% | 7,185 |
| Net loans and leases to deposits | 49.4491% | 7,433 |
| Net loans and leases to core deposits | 58.2371% | 7,456 |
| Total domestic deposits to total assets | 90.6854% | 521 |
| Equity capital to assets | 8.9313% | 5,593 |
| Core capital (leverage) ratio | 8.2970% | 5,843 |
| Tier 1 risk-based capital ratio | 14.5801% | 3,231 |
| Total risk-based capital ratio | 15.7300% | 3,236 |
| Memoranda: | ||
| Average total assets | $54,814,000 | 6,586 |
| Average earning assets | $52,347,500 | 6,485 |
| Average equity | $5,244,250 | 6,926 |
| Average total loans | $25,608,000 | 6,935 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6190% | 3,973 |
| Cost of funding earning assets | 1.3968% | 6,492 |
| Net interest margin | 4.2222% | 1,908 |
| Noninterest income to average assets | 0.6599% | 3,268 |
| Noninterest expense to average assets | 3.2124% | 3,302 |
| Loan and lease loss provision to assets | 0.2276% | 4,759 |
| Net operating income to assets | 1.2440% | 1,374 |
| Return on assets (ROA) | 1.2667% | 1,391 |
| Pretax return on assets | 1.2667% | 2,116 |
| Return on Equity (ROE) | 12.9090% | 1,200 |
| Retained earnings to average equity (ytd only) | 5.1791% | 2,407 |
| Net charge-offs to loans | -0.5223% | 8,103 |
| Credit loss provision to net charge-offs | -92.3077% | 6,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5830% | 5,049 |
| Assets per employee ($millions) | 3.0679% | 5,956 |
| Cash dividends to net income (ytd only)* | 59.8802% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 2,141 |
| Loan loss allowance to noncurrent loans | 118.6486% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 5,633 |
| Noncurrent loans to loans | 1.4872% | 4,265 |
| Net loans and leases to total assets | 46.8612% | 7,137 |
| Net loans and leases to deposits | 53.7261% | 7,288 |
| Net loans and leases to core deposits | 65.8121% | 7,224 |
| Total domestic deposits to total assets | 87.2225% | 2,142 |
| Equity capital to assets | 9.6407% | 4,440 |
| Core capital (leverage) ratio | 9.1762% | 4,340 |
| Tier 1 risk-based capital ratio | 16.2472% | 2,535 |
| Total risk-based capital ratio | 17.5157% | 2,471 |
| Memoranda: | ||
| Average total assets | $52,733,670 | 6,711 |
| Average earning assets | $50,257,670 | 6,622 |
| Average equity | $5,174,670 | 7,005 |
| Average total loans | $24,891,000 | 7,037 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5828% | 4,458 |
| Cost of funding earning assets | 1.4215% | 6,657 |
| Net interest margin | 4.1613% | 2,046 |
| Noninterest income to average assets | 0.7016% | 2,884 |
| Noninterest expense to average assets | 3.0930% | 3,401 |
| Loan and lease loss provision to assets | 0.2263% | 4,183 |
| Net operating income to assets | 1.3353% | 1,304 |
| Return on assets (ROA) | 1.3579% | 1,328 |
| Pretax return on assets | 1.3579% | 2,095 |
| Return on Equity (ROE) | 13.7195% | 1,222 |
| Retained earnings to average equity (ytd only) | 13.7195% | 539 |
| Net charge-offs to loans | -0.9479% | 8,155 |
| Credit loss provision to net charge-offs | -50.8475% | 6,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4506% | 5,241 |
| Assets per employee ($millions) | 3.2186% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 2,058 |
| Loan loss allowance to noncurrent loans | 319.8413% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 6,833 |
| Noncurrent loans to loans | 0.5394% | 6,064 |
| Net loans and leases to total assets | 41.9530% | 7,468 |
| Net loans and leases to deposits | 46.5109% | 7,648 |
| Net loans and leases to core deposits | 56.2968% | 7,602 |
| Total domestic deposits to total assets | 90.2003% | 714 |
| Equity capital to assets | 9.5913% | 4,540 |
| Core capital (leverage) ratio | 9.0523% | 4,618 |
| Tier 1 risk-based capital ratio | 16.7952% | 2,408 |
| Total risk-based capital ratio | 18.0291% | 2,342 |
| Memoranda: | ||
| Average total assets | $53,023,500 | 6,740 |
| Average earning assets | $50,369,000 | 6,645 |
| Average equity | $5,248,000 | 7,038 |
| Average total loans | $24,897,000 | 7,073 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5228% | 2,850 |
| Cost of funding earning assets | 1.8738% | 6,810 |
| Net interest margin | 4.6490% | 1,056 |
| Noninterest income to average assets | 0.7106% | 3,050 |
| Noninterest expense to average assets | 3.4902% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5994% | 838 |
| Return on assets (ROA) | 1.6979% | 652 |
| Pretax return on assets | 1.6979% | 1,149 |
| Return on Equity (ROE) | 16.9527% | 643 |
| Retained earnings to average equity (ytd only) | 0.8372% | 4,720 |
| Net charge-offs to loans | 0.0627% | 5,877 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 50.8667% | 752 |
| Efficiency ratio | 68.5750% | 4,619 |
| Assets per employee ($millions) | 3.2082% | 5,464 |
| Cash dividends to net income (ytd only)* | 95.0617% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 4,637 |
| Loan loss allowance to noncurrent loans | 218.0556% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 5,338 |
| Noncurrent loans to loans | 0.5447% | 5,729 |
| Net loans and leases to total assets | 50.8893% | 6,946 |
| Net loans and leases to deposits | 58.7064% | 7,165 |
| Net loans and leases to core deposits | 70.0040% | 7,186 |
| Total domestic deposits to total assets | 86.6845% | 2,101 |
| Equity capital to assets | 10.2238% | 3,775 |
| Core capital (leverage) ratio | 9.6506% | 3,830 |
| Tier 1 risk-based capital ratio | 15.1725% | 2,970 |
| Total risk-based capital ratio | 16.1818% | 2,991 |
| Memoranda: | ||
| Average total assets | $47,704,600 | 6,872 |
| Average earning assets | $44,934,400 | 6,815 |
| Average equity | $4,778,000 | 7,213 |
| Average total loans | $23,926,800 | 7,077 |