Home > FNB Coweta > Performance and Condition Ratios
FNB Coweta, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,952 |
| Cost of funding earning assets | 0.4048% | 4,286 |
| Net interest margin | 3.6066% | 1,952 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.6945% | 1,748 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 1.2190% | 1,605 |
| Return on assets (ROA) | 1.1183% | 1,838 |
| Pretax return on assets | 1.1183% | 2,356 |
| Return on Equity (ROE) | 24.3400% | 336 |
| Retained earnings to average equity (ytd only) | 15.3110% | 310 |
| Net charge-offs to loans | 0.8417% | 121 |
| Credit loss provision to net charge-offs | 102.0997% | 1,817 |
| Earnings coverage of net charge-offs (x) | 4.5144% | 2,581 |
| Efficiency ratio | 63.1060% | 2,718 |
| Assets per employee ($millions) | 6.2567% | 2,585 |
| Cash dividends to net income (ytd only)* | 37.1007% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 1,431 |
| Loan loss allowance to noncurrent loans | 171.9697% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 1,554 |
| Noncurrent loans to loans | 0.8061% | 962 |
| Net loans and leases to total assets | 43.0100% | 3,936 |
| Net loans and leases to deposits | 47.5248% | 4,006 |
| Net loans and leases to core deposits | 49.9289% | 4,085 |
| Total domestic deposits to total assets | 90.5100% | 628 |
| Equity capital to assets | 5.3436% | 4,362 |
| Core capital (leverage) ratio | 9.0613% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $109,187,400 | 3,749 |
| Average earning assets | $106,221,400 | 3,684 |
| Average equity | $5,016,000 | 4,261 |
| Average total loans | $45,265,800 | 3,908 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 4,003 |
| Cost of funding earning assets | 0.3433% | 4,321 |
| Net interest margin | 3.5516% | 2,105 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.5194% | 2,165 |
| Loan and lease loss provision to assets | 0.4400% | 179 |
| Net operating income to assets | 0.9034% | 2,664 |
| Return on assets (ROA) | 0.7680% | 3,110 |
| Pretax return on assets | 0.7680% | 3,403 |
| Return on Equity (ROE) | 17.4600% | 1,016 |
| Retained earnings to average equity (ytd only) | 17.4584% | 371 |
| Net charge-offs to loans | 1.1286% | 83 |
| Credit loss provision to net charge-offs | 94.9333% | 1,665 |
| Earnings coverage of net charge-offs (x) | 2.9067% | 2,457 |
| Efficiency ratio | 65.2534% | 2,361 |
| Assets per employee ($millions) | 5.8989% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 1,502 |
| Loan loss allowance to noncurrent loans | 99.6951% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.0359% | 487 |
| Noncurrent loans to loans | 1.3891% | 547 |
| Net loans and leases to total assets | 41.5500% | 4,005 |
| Net loans and leases to deposits | 45.4534% | 4,068 |
| Net loans and leases to core deposits | 47.8589% | 4,087 |
| Total domestic deposits to total assets | 91.4200% | 575 |
| Equity capital to assets | 4.3202% | 4,366 |
| Core capital (leverage) ratio | 9.0272% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $108,329,000 | 3,773 |
| Average earning assets | $105,264,500 | 3,705 |
| Average equity | $4,765,500 | 4,290 |
| Average total loans | $44,301,250 | 3,937 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 4,036 |
| Cost of funding earning assets | 0.2817% | 4,341 |
| Net interest margin | 3.5066% | 2,249 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.4318% | 2,403 |
| Loan and lease loss provision to assets | 0.4900% | 151 |
| Net operating income to assets | 0.9152% | 2,706 |
| Return on assets (ROA) | 0.7098% | 3,327 |
| Pretax return on assets | 0.7098% | 3,586 |
| Return on Equity (ROE) | 16.0300% | 1,262 |
| Retained earnings to average equity (ytd only) | 16.0338% | 470 |
| Net charge-offs to loans | 1.7310% | 52 |
| Credit loss provision to net charge-offs | 69.3333% | 1,596 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,332 |
| Efficiency ratio | 63.4503% | 2,548 |
| Assets per employee ($millions) | 6.0849% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 2,525 |
| Loan loss allowance to noncurrent loans | 84.6505% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 896 |
| Noncurrent loans to loans | 1.3971% | 497 |
| Net loans and leases to total assets | 42.4900% | 3,946 |
| Net loans and leases to deposits | 46.5284% | 4,026 |
| Net loans and leases to core deposits | 48.8558% | 4,047 |
| Total domestic deposits to total assets | 91.3200% | 552 |
| Equity capital to assets | 4.4253% | 4,457 |
| Core capital (leverage) ratio | 9.2797% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0227% | 954 |
| Memoranda: | ||
| Average total assets | $107,079,000 | 3,797 |
| Average earning assets | $104,373,667 | 3,735 |
| Average equity | $4,740,000 | 4,318 |
| Average total loans | $43,326,333 | 3,969 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7226% | 3,990 |
| Cost of funding earning assets | 0.2172% | 4,346 |
| Net interest margin | 3.5055% | 2,350 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.4373% | 2,411 |
| Loan and lease loss provision to assets | 0.6200% | 114 |
| Net operating income to assets | 0.7671% | 3,305 |
| Return on assets (ROA) | 0.3514% | 4,124 |
| Pretax return on assets | 0.3514% | 4,204 |
| Return on Equity (ROE) | 7.9400% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.9377% | 2,237 |
| Net charge-offs to loans | 3.6293% | 27 |
| Credit loss provision to net charge-offs | 43.6170% | 1,311 |
| Earnings coverage of net charge-offs (x) | 0.9761% | 1,988 |
| Efficiency ratio | 63.7352% | 2,494 |
| Assets per employee ($millions) | 5.5683% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,285 |
| Loan loss allowance to noncurrent loans | 174.6212% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 1,874 |
| Noncurrent loans to loans | 0.6025% | 1,233 |
| Net loans and leases to total assets | 40.9800% | 4,000 |
| Net loans and leases to deposits | 43.0753% | 4,128 |
| Net loans and leases to core deposits | 44.3777% | 4,159 |
| Total domestic deposits to total assets | 95.1400% | 82 |
| Equity capital to assets | 4.7676% | 4,453 |
| Core capital (leverage) ratio | 8.9920% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0170% | 1,365 |
| Memoranda: | ||
| Average total assets | $105,854,000 | 3,857 |
| Average earning assets | $103,153,000 | 3,792 |
| Average equity | $4,686,500 | 4,377 |
| Average total loans | $41,440,500 | 4,044 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1636% | 3,880 |
| Cost of funding earning assets | 0.1743% | 3,963 |
| Net interest margin | 2.9893% | 3,478 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.5196% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8186% | 3,262 |
| Return on assets (ROA) | 0.8186% | 3,196 |
| Pretax return on assets | 0.8186% | 3,577 |
| Return on Equity (ROE) | 15.4300% | 1,154 |
| Retained earnings to average equity (ytd only) | 11.3999% | 809 |
| Net charge-offs to loans | 0.0024% | 2,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 861.0000% | 212 |
| Efficiency ratio | 75.4771% | 1,073 |
| Assets per employee ($millions) | 5.2956% | 3,425 |
| Cash dividends to net income (ytd only)* | 26.1324% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 774 |
| Loan loss allowance to noncurrent loans | 79.4569% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 590 |
| Noncurrent loans to loans | 2.1683% | 240 |
| Net loans and leases to total assets | 36.2500% | 4,203 |
| Net loans and leases to deposits | 37.8066% | 4,298 |
| Net loans and leases to core deposits | 38.8362% | 4,309 |
| Total domestic deposits to total assets | 95.8800% | 85 |
| Equity capital to assets | 4.0874% | 4,507 |
| Core capital (leverage) ratio | 8.7977% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4718% | 672 |
| Memoranda: | ||
| Average total assets | $105,175,000 | 3,882 |
| Average earning assets | $102,130,200 | 3,816 |
| Average equity | $5,579,000 | 4,374 |
| Average total loans | $42,124,800 | 4,026 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0621% | 3,763 |
| Cost of funding earning assets | 0.1793% | 3,528 |
| Net interest margin | 2.8829% | 3,534 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.5640% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6667% | 3,653 |
| Return on assets (ROA) | 0.6667% | 3,614 |
| Pretax return on assets | 0.6667% | 3,866 |
| Return on Equity (ROE) | 11.8800% | 2,074 |
| Retained earnings to average equity (ytd only) | 11.3155% | 965 |
| Net charge-offs to loans | 0.0062% | 1,929 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 262.5000% | 521 |
| Efficiency ratio | 79.3632% | 812 |
| Assets per employee ($millions) | 5.3064% | 3,409 |
| Cash dividends to net income (ytd only)* | 4.7619% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 781 |
| Loan loss allowance to noncurrent loans | 83.1891% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7623% | 660 |
| Noncurrent loans to loans | 2.1211% | 278 |
| Net loans and leases to total assets | 35.3000% | 4,258 |
| Net loans and leases to deposits | 36.6984% | 4,344 |
| Net loans and leases to core deposits | 37.5096% | 4,353 |
| Total domestic deposits to total assets | 96.2000% | 117 |
| Equity capital to assets | 3.5862% | 4,537 |
| Core capital (leverage) ratio | 8.8299% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5686% | 674 |
| Memoranda: | ||
| Average total assets | $104,991,000 | 3,905 |
| Average earning assets | $101,887,250 | 3,842 |
| Average equity | $5,891,500 | 4,379 |
| Average total loans | $42,890,250 | 4,037 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0162% | 3,517 |
| Cost of funding earning assets | 0.1835% | 3,137 |
| Net interest margin | 2.8328% | 3,338 |
| Noninterest income to average assets | 0.4359% | 2,535 |
| Noninterest expense to average assets | 2.5618% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6194% | 3,569 |
| Return on assets (ROA) | 0.6194% | 3,520 |
| Pretax return on assets | 0.6194% | 3,775 |
| Return on Equity (ROE) | 9.8381% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.0789% | 1,264 |
| Net charge-offs to loans | -0.0045% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5288% | 904 |
| Assets per employee ($millions) | 4.9047% | 3,759 |
| Cash dividends to net income (ytd only)* | 7.7160% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,328 |
| Loan loss allowance to noncurrent loans | 86.3346% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 689 |
| Noncurrent loans to loans | 1.7732% | 376 |
| Net loans and leases to total assets | 42.2159% | 3,959 |
| Net loans and leases to deposits | 44.2682% | 4,102 |
| Net loans and leases to core deposits | 45.4035% | 4,141 |
| Total domestic deposits to total assets | 95.3640% | 113 |
| Equity capital to assets | 4.4641% | 4,564 |
| Core capital (leverage) ratio | 8.6513% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7969% | 1,223 |
| Memoranda: | ||
| Average total assets | $104,612,000 | 3,951 |
| Average earning assets | $101,384,333 | 3,899 |
| Average equity | $6,586,667 | 4,356 |
| Average total loans | $44,473,333 | 4,062 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9583% | 3,376 |
| Cost of funding earning assets | 0.1878% | 2,973 |
| Net interest margin | 2.7705% | 3,226 |
| Noninterest income to average assets | 0.4477% | 2,405 |
| Noninterest expense to average assets | 2.5612% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5730% | 3,485 |
| Return on assets (ROA) | 0.5730% | 3,463 |
| Pretax return on assets | 0.5730% | 3,698 |
| Return on Equity (ROE) | 7.9673% | 2,709 |
| Retained earnings to average equity (ytd only) | 6.6482% | 2,010 |
| Net charge-offs to loans | -0.0090% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7191% | 1,005 |
| Assets per employee ($millions) | 5.0364% | 3,722 |
| Cash dividends to net income (ytd only)* | 16.5563% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,514 |
| Loan loss allowance to noncurrent loans | 165.0367% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 1,564 |
| Noncurrent loans to loans | 0.9164% | 998 |
| Net loans and leases to total assets | 41.5601% | 3,910 |
| Net loans and leases to deposits | 44.2378% | 4,053 |
| Net loans and leases to core deposits | 45.3571% | 4,102 |
| Total domestic deposits to total assets | 93.9470% | 118 |
| Equity capital to assets | 5.9613% | 4,594 |
| Core capital (leverage) ratio | 8.4549% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,418,500 | 3,965 |
| Average earning assets | $102,221,500 | 3,912 |
| Average equity | $7,581,000 | 4,306 |
| Average total loans | $44,631,000 | 4,067 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 1,835 |
| Cost of funding earning assets | 0.2233% | 3,217 |
| Net interest margin | 3.5916% | 1,489 |
| Noninterest income to average assets | 0.4701% | 2,726 |
| Noninterest expense to average assets | 2.4890% | 2,212 |
| Loan and lease loss provision to assets | 0.2163% | 475 |
| Net operating income to assets | 1.2445% | 1,759 |
| Return on assets (ROA) | 1.2445% | 1,818 |
| Pretax return on assets | 1.2445% | 2,538 |
| Return on Equity (ROE) | 13.6766% | 1,275 |
| Retained earnings to average equity (ytd only) | 6.6327% | 2,064 |
| Net charge-offs to loans | 0.2355% | 395 |
| Credit loss provision to net charge-offs | 211.8812% | 1,278 |
| Earnings coverage of net charge-offs (x) | 14.3069% | 2,034 |
| Efficiency ratio | 63.0151% | 2,713 |
| Assets per employee ($millions) | 5.2536% | 3,513 |
| Cash dividends to net income (ytd only)* | 51.5028% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,505 |
| Loan loss allowance to noncurrent loans | 158.0796% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 1,609 |
| Noncurrent loans to loans | 0.9567% | 1,050 |
| Net loans and leases to total assets | 41.8342% | 3,987 |
| Net loans and leases to deposits | 45.7070% | 4,107 |
| Net loans and leases to core deposits | 47.1019% | 4,135 |
| Total domestic deposits to total assets | 91.5268% | 307 |
| Equity capital to assets | 8.4295% | 4,096 |
| Core capital (leverage) ratio | 8.4959% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,916,800 | 3,998 |
| Average earning assets | $95,835,000 | 3,955 |
| Average equity | $9,000,800 | 4,242 |
| Average total loans | $42,880,800 | 4,131 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 1,182 |
| Cost of funding earning assets | 0.2332% | 3,286 |
| Net interest margin | 3.9169% | 905 |
| Noninterest income to average assets | 0.4833% | 2,699 |
| Noninterest expense to average assets | 2.5289% | 2,039 |
| Loan and lease loss provision to assets | 0.2927% | 276 |
| Net operating income to assets | 1.4555% | 1,378 |
| Return on assets (ROA) | 1.4555% | 1,438 |
| Pretax return on assets | 1.4555% | 2,132 |
| Return on Equity (ROE) | 15.6837% | 1,005 |
| Retained earnings to average equity (ytd only) | 11.4197% | 966 |
| Net charge-offs to loans | 0.3173% | 245 |
| Credit loss provision to net charge-offs | 211.8812% | 1,175 |
| Earnings coverage of net charge-offs (x) | 12.6436% | 1,947 |
| Efficiency ratio | 59.1229% | 3,110 |
| Assets per employee ($millions) | 4.8177% | 3,873 |
| Cash dividends to net income (ytd only)* | 27.1872% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 1,328 |
| Loan loss allowance to noncurrent loans | 157.3427% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 1,766 |
| Noncurrent loans to loans | 1.0195% | 1,123 |
| Net loans and leases to total assets | 40.9234% | 4,155 |
| Net loans and leases to deposits | 45.2146% | 4,268 |
| Net loans and leases to core deposits | 46.6728% | 4,294 |
| Total domestic deposits to total assets | 90.5092% | 561 |
| Equity capital to assets | 9.2367% | 3,615 |
| Core capital (leverage) ratio | 9.1302% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,378,000 | 4,061 |
| Average earning assets | $94,324,750 | 4,019 |
| Average equity | $9,036,750 | 4,300 |
| Average total loans | $42,443,250 | 4,191 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 471 |
| Cost of funding earning assets | 0.2493% | 3,287 |
| Net interest margin | 4.5403% | 330 |
| Noninterest income to average assets | 0.5015% | 2,618 |
| Noninterest expense to average assets | 2.5283% | 2,054 |
| Loan and lease loss provision to assets | 0.4453% | 126 |
| Net operating income to assets | 1.9248% | 561 |
| Return on assets (ROA) | 1.9248% | 586 |
| Pretax return on assets | 1.9248% | 967 |
| Return on Equity (ROE) | 20.7074% | 409 |
| Retained earnings to average equity (ytd only) | 20.1478% | 153 |
| Net charge-offs to loans | 0.4746% | 177 |
| Credit loss provision to net charge-offs | 211.8812% | 1,024 |
| Earnings coverage of net charge-offs (x) | 11.2772% | 1,768 |
| Efficiency ratio | 51.6143% | 4,083 |
| Assets per employee ($millions) | 5.2812% | 3,373 |
| Cash dividends to net income (ytd only)* | 2.7027% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 1,406 |
| Loan loss allowance to noncurrent loans | 156.2500% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 1,896 |
| Noncurrent loans to loans | 0.9957% | 1,240 |
| Net loans and leases to total assets | 42.5644% | 4,139 |
| Net loans and leases to deposits | 47.0966% | 4,265 |
| Net loans and leases to core deposits | 48.6452% | 4,297 |
| Total domestic deposits to total assets | 90.3769% | 612 |
| Equity capital to assets | 9.4497% | 3,382 |
| Core capital (leverage) ratio | 9.2508% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,113,333 | 4,104 |
| Average earning assets | $93,077,667 | 4,057 |
| Average equity | $8,934,000 | 4,331 |
| Average total loans | $42,565,000 | 4,222 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 1,003 |
| Cost of funding earning assets | 0.2639% | 3,340 |
| Net interest margin | 4.0637% | 767 |
| Noninterest income to average assets | 0.4255% | 2,955 |
| Noninterest expense to average assets | 2.5575% | 1,997 |
| Loan and lease loss provision to assets | 0.9106% | 48 |
| Net operating income to assets | 0.8894% | 3,156 |
| Return on assets (ROA) | 0.8894% | 3,240 |
| Pretax return on assets | 0.8894% | 3,626 |
| Return on Equity (ROE) | 9.6536% | 2,802 |
| Retained earnings to average equity (ytd only) | 9.6536% | 1,750 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6914% | 3,203 |
| Assets per employee ($millions) | 5.0927% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 817 |
| Loan loss allowance to noncurrent loans | 133.8515% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 1,592 |
| Noncurrent loans to loans | 1.3727% | 921 |
| Net loans and leases to total assets | 42.7916% | 4,188 |
| Net loans and leases to deposits | 46.9525% | 4,308 |
| Net loans and leases to core deposits | 48.5376% | 4,355 |
| Total domestic deposits to total assets | 91.1381% | 353 |
| Equity capital to assets | 8.7638% | 3,897 |
| Core capital (leverage) ratio | 9.0229% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,999,000 | 4,141 |
| Average earning assets | $90,952,000 | 4,083 |
| Average equity | $8,660,000 | 4,369 |
| Average total loans | $42,155,000 | 4,253 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 3,498 |
| Cost of funding earning assets | 0.3103% | 4,086 |
| Net interest margin | 3.4193% | 2,712 |
| Noninterest income to average assets | 0.4872% | 2,687 |
| Noninterest expense to average assets | 2.7534% | 2,066 |
| Loan and lease loss provision to assets | 0.4406% | 643 |
| Net operating income to assets | 0.5958% | 3,768 |
| Return on assets (ROA) | 0.6639% | 3,672 |
| Pretax return on assets | 0.6639% | 3,955 |
| Return on Equity (ROE) | 6.6933% | 3,332 |
| Retained earnings to average equity (ytd only) | 3.8884% | 2,881 |
| Net charge-offs to loans | 0.7406% | 196 |
| Credit loss provision to net charge-offs | 123.4114% | 2,611 |
| Earnings coverage of net charge-offs (x) | 2.9030% | 3,126 |
| Efficiency ratio | 72.6528% | 1,612 |
| Assets per employee ($millions) | 4.3446% | 4,077 |
| Cash dividends to net income (ytd only)* | 41.9065% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,257 |
| Loan loss allowance to noncurrent loans | 94.4538% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 1,610 |
| Noncurrent loans to loans | 1.4123% | 956 |
| Net loans and leases to total assets | 45.5599% | 4,154 |
| Net loans and leases to deposits | 50.4766% | 4,289 |
| Net loans and leases to core deposits | 52.4776% | 4,316 |
| Total domestic deposits to total assets | 90.2593% | 466 |
| Equity capital to assets | 9.6892% | 3,420 |
| Core capital (leverage) ratio | 9.0782% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,751,200 | 4,200 |
| Average earning assets | $80,894,800 | 4,153 |
| Average equity | $8,306,800 | 4,389 |
| Average total loans | $40,372,800 | 4,301 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 3,030 |
| Cost of funding earning assets | 0.3225% | 4,202 |
| Net interest margin | 3.6574% | 2,078 |
| Noninterest income to average assets | 0.5032% | 2,607 |
| Noninterest expense to average assets | 2.9734% | 1,502 |
| Loan and lease loss provision to assets | 0.3823% | 959 |
| Net operating income to assets | 0.6741% | 3,549 |
| Return on assets (ROA) | 0.7474% | 3,399 |
| Pretax return on assets | 0.7474% | 3,785 |
| Return on Equity (ROE) | 7.4874% | 3,018 |
| Retained earnings to average equity (ytd only) | 6.3292% | 1,958 |
| Net charge-offs to loans | -0.0033% | 3,967 |
| Credit loss provision to net charge-offs | -23,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7778% | 1,429 |
| Assets per employee ($millions) | 4.3549% | 3,993 |
| Cash dividends to net income (ytd only)* | 15.4684% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 933 |
| Loan loss allowance to noncurrent loans | 81.1594% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 1,063 |
| Noncurrent loans to loans | 2.0647% | 583 |
| Net loans and leases to total assets | 49.0442% | 4,151 |
| Net loans and leases to deposits | 54.7409% | 4,305 |
| Net loans and leases to core deposits | 56.8455% | 4,347 |
| Total domestic deposits to total assets | 89.5932% | 557 |
| Equity capital to assets | 10.0692% | 3,167 |
| Core capital (leverage) ratio | 9.5138% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,880,000 | 4,231 |
| Average earning assets | $78,961,500 | 4,181 |
| Average equity | $8,173,500 | 4,422 |
| Average total loans | $39,933,750 | 4,334 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 2,903 |
| Cost of funding earning assets | 0.3289% | 4,368 |
| Net interest margin | 3.8229% | 1,767 |
| Noninterest income to average assets | 0.5116% | 2,520 |
| Noninterest expense to average assets | 3.0122% | 1,546 |
| Loan and lease loss provision to assets | 0.5066% | 698 |
| Net operating income to assets | 0.6763% | 3,477 |
| Return on assets (ROA) | 0.7412% | 3,361 |
| Pretax return on assets | 0.7412% | 3,765 |
| Return on Equity (ROE) | 7.4486% | 2,951 |
| Retained earnings to average equity (ytd only) | 5.6679% | 2,204 |
| Net charge-offs to loans | -0.0052% | 4,020 |
| Credit loss provision to net charge-offs | -20,300.0000% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8025% | 1,710 |
| Assets per employee ($millions) | 4.2478% | 4,058 |
| Cash dividends to net income (ytd only)* | 23.9057% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 908 |
| Loan loss allowance to noncurrent loans | 73.2632% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 1,020 |
| Noncurrent loans to loans | 2.2505% | 553 |
| Net loans and leases to total assets | 48.8688% | 4,218 |
| Net loans and leases to deposits | 54.5207% | 4,358 |
| Net loans and leases to core deposits | 56.3760% | 4,420 |
| Total domestic deposits to total assets | 89.6335% | 514 |
| Equity capital to assets | 10.1123% | 3,103 |
| Core capital (leverage) ratio | 9.6640% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,141,000 | 4,249 |
| Average earning assets | $77,218,667 | 4,209 |
| Average equity | $7,974,667 | 4,458 |
| Average total loans | $38,763,667 | 4,369 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 4,336 |
| Cost of funding earning assets | 0.3358% | 4,560 |
| Net interest margin | 3.3901% | 3,322 |
| Noninterest income to average assets | 0.5763% | 2,146 |
| Noninterest expense to average assets | 3.0926% | 1,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7564% | 3,073 |
| Return on assets (ROA) | 0.9057% | 2,611 |
| Pretax return on assets | 0.9057% | 3,125 |
| Return on Equity (ROE) | 9.1828% | 2,033 |
| Retained earnings to average equity (ytd only) | 6.7828% | 1,618 |
| Net charge-offs to loans | -0.0108% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3476% | 1,103 |
| Assets per employee ($millions) | 4.3491% | 3,478 |
| Cash dividends to net income (ytd only)* | 26.1364% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,906 |
| Loan loss allowance to noncurrent loans | 572.0930% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 4,068 |
| Noncurrent loans to loans | 0.2361% | 3,640 |
| Net loans and leases to total assets | 45.9052% | 4,429 |
| Net loans and leases to deposits | 50.7506% | 4,569 |
| Net loans and leases to core deposits | 52.6065% | 4,616 |
| Total domestic deposits to total assets | 90.4526% | 209 |
| Equity capital to assets | 9.3775% | 4,335 |
| Core capital (leverage) ratio | 10.2599% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,733,500 | 4,296 |
| Average earning assets | $75,041,500 | 4,239 |
| Average equity | $7,666,500 | 4,528 |
| Average total loans | $37,039,000 | 4,431 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 4,464 |
| Cost of funding earning assets | 0.3442% | 4,613 |
| Net interest margin | 3.5401% | 3,315 |
| Noninterest income to average assets | 0.5955% | 2,248 |
| Noninterest expense to average assets | 3.1217% | 1,708 |
| Loan and lease loss provision to assets | 0.0845% | 2,313 |
| Net operating income to assets | 0.8126% | 3,520 |
| Return on assets (ROA) | 0.8126% | 3,609 |
| Pretax return on assets | 0.8126% | 3,947 |
| Return on Equity (ROE) | 8.3160% | 3,033 |
| Retained earnings to average equity (ytd only) | 6.4399% | 1,641 |
| Net charge-offs to loans | 0.0238% | 2,927 |
| Credit loss provision to net charge-offs | 722.2222% | 440 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 820 |
| Efficiency ratio | 77.6771% | 1,186 |
| Assets per employee ($millions) | 4.5402% | 3,167 |
| Cash dividends to net income (ytd only)* | 22.5600% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 1,891 |
| Loan loss allowance to noncurrent loans | 546.6667% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 4,052 |
| Noncurrent loans to loans | 0.2390% | 3,590 |
| Net loans and leases to total assets | 48.1421% | 4,420 |
| Net loans and leases to deposits | 53.7439% | 4,542 |
| Net loans and leases to core deposits | 55.7534% | 4,594 |
| Total domestic deposits to total assets | 89.5769% | 466 |
| Equity capital to assets | 10.3545% | 3,585 |
| Core capital (leverage) ratio | 10.2007% | 3,299 |
| Tier 1 risk-based capital ratio | 21.1067% | 1,147 |
| Total risk-based capital ratio | 22.3563% | 1,121 |
| Memoranda: | ||
| Average total assets | $76,913,200 | 4,337 |
| Average earning assets | $74,376,800 | 4,279 |
| Average equity | $7,515,600 | 4,571 |
| Average total loans | $37,781,200 | 4,457 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 4,522 |
| Cost of funding earning assets | 0.3463% | 4,668 |
| Net interest margin | 3.5648% | 3,353 |
| Noninterest income to average assets | 0.5951% | 2,226 |
| Noninterest expense to average assets | 3.1994% | 1,471 |
| Loan and lease loss provision to assets | 0.0694% | 2,490 |
| Net operating income to assets | 0.7738% | 3,757 |
| Return on assets (ROA) | 0.7738% | 3,827 |
| Pretax return on assets | 0.7738% | 4,184 |
| Return on Equity (ROE) | 8.0396% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.5890% | 1,580 |
| Net charge-offs to loans | 0.0247% | 2,609 |
| Credit loss provision to net charge-offs | 571.4286% | 564 |
| Earnings coverage of net charge-offs (x) | 69.4512% | 955 |
| Efficiency ratio | 79.1416% | 999 |
| Assets per employee ($millions) | 4.0272% | 3,865 |
| Cash dividends to net income (ytd only)* | 5.6050% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,515 |
| Loan loss allowance to noncurrent loans | 477.5510% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 3,967 |
| Noncurrent loans to loans | 0.2510% | 3,643 |
| Net loans and leases to total assets | 50.4149% | 4,404 |
| Net loans and leases to deposits | 56.5108% | 4,535 |
| Net loans and leases to core deposits | 58.6752% | 4,577 |
| Total domestic deposits to total assets | 89.2129% | 549 |
| Equity capital to assets | 10.4630% | 3,572 |
| Core capital (leverage) ratio | 10.2444% | 3,368 |
| Tier 1 risk-based capital ratio | 20.6840% | 1,235 |
| Total risk-based capital ratio | 21.9085% | 1,214 |
| Memoranda: | ||
| Average total assets | $76,845,500 | 4,388 |
| Average earning assets | $74,318,000 | 4,333 |
| Average equity | $7,396,500 | 4,640 |
| Average total loans | $37,814,000 | 4,510 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 4,581 |
| Cost of funding earning assets | 0.3461% | 4,695 |
| Net interest margin | 3.5390% | 3,475 |
| Noninterest income to average assets | 0.6029% | 2,136 |
| Noninterest expense to average assets | 3.2149% | 1,479 |
| Loan and lease loss provision to assets | 0.1040% | 1,803 |
| Net operating income to assets | 0.7121% | 3,966 |
| Return on assets (ROA) | 0.7121% | 4,023 |
| Pretax return on assets | 0.7121% | 4,303 |
| Return on Equity (ROE) | 7.6182% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.9231% | 1,845 |
| Net charge-offs to loans | 0.0053% | 2,964 |
| Credit loss provision to net charge-offs | 4,000.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 256 |
| Efficiency ratio | 79.7550% | 983 |
| Assets per employee ($millions) | 3.6669% | 4,289 |
| Cash dividends to net income (ytd only)* | 9.1241% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,177 |
| Loan loss allowance to noncurrent loans | 331.4685% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 3,833 |
| Noncurrent loans to loans | 0.3810% | 3,161 |
| Net loans and leases to total assets | 48.1280% | 4,565 |
| Net loans and leases to deposits | 53.6758% | 4,691 |
| Net loans and leases to core deposits | 55.7015% | 4,722 |
| Total domestic deposits to total assets | 89.6643% | 425 |
| Equity capital to assets | 10.0591% | 3,929 |
| Core capital (leverage) ratio | 10.0541% | 3,532 |
| Tier 1 risk-based capital ratio | 21.4829% | 1,122 |
| Total risk-based capital ratio | 22.7331% | 1,100 |
| Memoranda: | ||
| Average total assets | $76,955,000 | 4,422 |
| Average earning assets | $74,541,330 | 4,360 |
| Average equity | $7,193,330 | 4,698 |
| Average total loans | $37,404,000 | 4,561 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 4,569 |
| Cost of funding earning assets | 0.3492% | 4,682 |
| Net interest margin | 3.5403% | 3,461 |
| Noninterest income to average assets | 0.5615% | 2,222 |
| Noninterest expense to average assets | 3.1873% | 1,522 |
| Loan and lease loss provision to assets | 0.1560% | 1,074 |
| Net operating income to assets | 0.6447% | 4,109 |
| Return on assets (ROA) | 0.6447% | 4,144 |
| Pretax return on assets | 0.6447% | 4,432 |
| Return on Equity (ROE) | 7.1707% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.7250% | 2,579 |
| Net charge-offs to loans | 0.0107% | 2,302 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 496 |
| Efficiency ratio | 79.9218% | 1,075 |
| Assets per employee ($millions) | 3.5280% | 4,534 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,363 |
| Loan loss allowance to noncurrent loans | 362.5000% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 3,589 |
| Noncurrent loans to loans | 0.3430% | 3,347 |
| Net loans and leases to total assets | 47.4857% | 4,602 |
| Net loans and leases to deposits | 52.3813% | 4,741 |
| Net loans and leases to core deposits | 54.5280% | 4,767 |
| Total domestic deposits to total assets | 90.6539% | 242 |
| Equity capital to assets | 9.1941% | 4,540 |
| Core capital (leverage) ratio | 9.8138% | 3,805 |
| Tier 1 risk-based capital ratio | 21.1032% | 1,151 |
| Total risk-based capital ratio | 22.3527% | 1,129 |
| Memoranda: | ||
| Average total assets | $76,930,000 | 4,470 |
| Average earning assets | $74,456,000 | 4,405 |
| Average equity | $6,917,000 | 4,770 |
| Average total loans | $37,338,500 | 4,610 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6283% | 4,765 |
| Cost of funding earning assets | 0.2694% | 4,712 |
| Net interest margin | 3.3589% | 4,108 |
| Noninterest income to average assets | 0.6172% | 2,205 |
| Noninterest expense to average assets | 3.1235% | 1,738 |
| Loan and lease loss provision to assets | 0.0207% | 3,748 |
| Net operating income to assets | 0.7222% | 4,063 |
| Return on assets (ROA) | 0.7131% | 4,110 |
| Pretax return on assets | 0.7131% | 4,381 |
| Return on Equity (ROE) | 8.4312% | 3,254 |
| Retained earnings to average equity (ytd only) | 5.4266% | 2,520 |
| Net charge-offs to loans | -0.0436% | 4,933 |
| Credit loss provision to net charge-offs | -106.6667% | 4,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7847% | 892 |
| Assets per employee ($millions) | 3.4657% | 4,584 |
| Cash dividends to net income (ytd only)* | 35.6364% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,747 |
| Loan loss allowance to noncurrent loans | 353.6585% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 3,569 |
| Noncurrent loans to loans | 0.3293% | 3,372 |
| Net loans and leases to total assets | 48.4255% | 4,609 |
| Net loans and leases to deposits | 53.1680% | 4,778 |
| Net loans and leases to core deposits | 55.3694% | 4,800 |
| Total domestic deposits to total assets | 91.0801% | 183 |
| Equity capital to assets | 8.7848% | 4,745 |
| Core capital (leverage) ratio | 9.6323% | 3,968 |
| Tier 1 risk-based capital ratio | 19.9797% | 1,311 |
| Total risk-based capital ratio | 21.1410% | 1,300 |
| Memoranda: | ||
| Average total assets | $77,126,200 | 4,481 |
| Average earning assets | $74,607,200 | 4,408 |
| Average equity | $6,523,400 | 4,826 |
| Average total loans | $34,394,400 | 4,706 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 4,851 |
| Cost of funding earning assets | 0.2584% | 4,737 |
| Net interest margin | 3.3124% | 4,247 |
| Noninterest income to average assets | 0.6154% | 2,236 |
| Noninterest expense to average assets | 3.1459% | 1,656 |
| Loan and lease loss provision to assets | -0.0241% | 5,249 |
| Net operating income to assets | 0.6981% | 4,227 |
| Return on assets (ROA) | 0.6861% | 4,281 |
| Pretax return on assets | 0.6861% | 4,566 |
| Return on Equity (ROE) | 8.1894% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.3581% | 2,450 |
| Net charge-offs to loans | -0.0555% | 4,972 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3556% | 756 |
| Assets per employee ($millions) | 3.5190% | 4,538 |
| Cash dividends to net income (ytd only)* | 22.3613% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,046 |
| Loan loss allowance to noncurrent loans | 297.0588% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 3,613 |
| Noncurrent loans to loans | 0.3791% | 3,292 |
| Net loans and leases to total assets | 45.8233% | 4,814 |
| Net loans and leases to deposits | 50.0861% | 4,951 |
| Net loans and leases to core deposits | 52.1262% | 4,968 |
| Total domestic deposits to total assets | 91.4889% | 132 |
| Equity capital to assets | 8.1636% | 5,102 |
| Core capital (leverage) ratio | 9.7200% | 3,925 |
| Tier 1 risk-based capital ratio | 25.1241% | 740 |
| Total risk-based capital ratio | 26.3737% | 725 |
| Memoranda: | ||
| Average total assets | $77,346,500 | 4,524 |
| Average earning assets | $74,827,750 | 4,450 |
| Average equity | $6,479,750 | 4,882 |
| Average total loans | $33,653,750 | 4,778 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,901 |
| Cost of funding earning assets | 0.2457% | 4,770 |
| Net interest margin | 3.2686% | 4,335 |
| Noninterest income to average assets | 0.6311% | 2,177 |
| Noninterest expense to average assets | 3.1375% | 1,697 |
| Loan and lease loss provision to assets | -0.0621% | 5,389 |
| Net operating income to assets | 0.7216% | 4,129 |
| Return on assets (ROA) | 0.7035% | 4,188 |
| Pretax return on assets | 0.7035% | 4,503 |
| Return on Equity (ROE) | 8.3270% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.5616% | 1,816 |
| Net charge-offs to loans | -0.1033% | 5,170 |
| Credit loss provision to net charge-offs | 141.1765% | 1,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6294% | 793 |
| Assets per employee ($millions) | 3.4615% | 4,647 |
| Cash dividends to net income (ytd only)* | 9.1912% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,627 |
| Loan loss allowance to noncurrent loans | 186.3850% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 3,657 |
| Noncurrent loans to loans | 0.6524% | 2,478 |
| Net loans and leases to total assets | 42.3495% | 4,971 |
| Net loans and leases to deposits | 46.4029% | 5,088 |
| Net loans and leases to core deposits | 48.0211% | 5,097 |
| Total domestic deposits to total assets | 91.2648% | 192 |
| Equity capital to assets | 8.4765% | 4,962 |
| Core capital (leverage) ratio | 9.6936% | 3,897 |
| Tier 1 risk-based capital ratio | 23.0596% | 929 |
| Total risk-based capital ratio | 24.3006% | 915 |
| Memoranda: | ||
| Average total assets | $77,323,000 | 4,564 |
| Average earning assets | $74,894,000 | 4,489 |
| Average equity | $6,533,000 | 4,923 |
| Average total loans | $32,912,000 | 4,839 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4641% | 4,930 |
| Cost of funding earning assets | 0.2327% | 4,817 |
| Net interest margin | 3.2314% | 4,367 |
| Noninterest income to average assets | 0.6469% | 2,044 |
| Noninterest expense to average assets | 3.0857% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6983% | 4,105 |
| Return on assets (ROA) | 0.6880% | 4,146 |
| Pretax return on assets | 0.6880% | 4,474 |
| Return on Equity (ROE) | 8.1558% | 3,315 |
| Retained earnings to average equity (ytd only) | 6.6342% | 2,439 |
| Net charge-offs to loans | 0.0847% | 1,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 19.4286% | 1,504 |
| Efficiency ratio | 81.5468% | 995 |
| Assets per employee ($millions) | 3.5052% | 4,656 |
| Cash dividends to net income (ytd only)* | 18.6567% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,685 |
| Loan loss allowance to noncurrent loans | 86.6812% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 2,541 |
| Noncurrent loans to loans | 1.4077% | 1,263 |
| Net loans and leases to total assets | 41.6760% | 4,992 |
| Net loans and leases to deposits | 45.5090% | 5,115 |
| Net loans and leases to core deposits | 47.0652% | 5,119 |
| Total domestic deposits to total assets | 91.5774% | 173 |
| Equity capital to assets | 8.2566% | 5,134 |
| Core capital (leverage) ratio | 9.3602% | 4,244 |
| Tier 1 risk-based capital ratio | 22.6952% | 967 |
| Total risk-based capital ratio | 23.9397% | 951 |
| Memoranda: | ||
| Average total assets | $77,908,500 | 4,606 |
| Average earning assets | $75,634,000 | 4,532 |
| Average equity | $6,572,000 | 4,964 |
| Average total loans | $33,044,500 | 4,890 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 4,814 |
| Cost of funding earning assets | 0.2383% | 4,663 |
| Net interest margin | 3.2401% | 4,333 |
| Noninterest income to average assets | 0.6063% | 2,417 |
| Noninterest expense to average assets | 3.0641% | 1,965 |
| Loan and lease loss provision to assets | 0.0131% | 4,029 |
| Net operating income to assets | 0.6626% | 3,767 |
| Return on assets (ROA) | 0.6875% | 3,705 |
| Pretax return on assets | 0.6875% | 4,540 |
| Return on Equity (ROE) | 8.0415% | 2,775 |
| Retained earnings to average equity (ytd only) | 4.7483% | 2,290 |
| Net charge-offs to loans | 0.0349% | 3,096 |
| Credit loss provision to net charge-offs | 90.9091% | 2,765 |
| Earnings coverage of net charge-offs (x) | 46.9091% | 1,142 |
| Efficiency ratio | 81.9328% | 934 |
| Assets per employee ($millions) | 3.5774% | 4,604 |
| Cash dividends to net income (ytd only)* | 40.9524% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 2,751 |
| Loan loss allowance to noncurrent loans | 167.6349% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 3,660 |
| Noncurrent loans to loans | 0.7182% | 2,409 |
| Net loans and leases to total assets | 42.1204% | 5,060 |
| Net loans and leases to deposits | 47.4412% | 5,145 |
| Net loans and leases to core deposits | 49.0777% | 5,163 |
| Total domestic deposits to total assets | 88.7844% | 1,098 |
| Equity capital to assets | 8.6109% | 5,026 |
| Core capital (leverage) ratio | 9.1858% | 4,414 |
| Tier 1 risk-based capital ratio | 19.3593% | 1,438 |
| Total risk-based capital ratio | 20.4561% | 1,441 |
| Memoranda: | ||
| Average total assets | $76,367,400 | 4,660 |
| Average earning assets | $73,855,600 | 4,582 |
| Average equity | $6,528,600 | 5,022 |
| Average total loans | $31,526,200 | 4,985 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 4,824 |
| Cost of funding earning assets | 0.2349% | 4,706 |
| Net interest margin | 3.2599% | 4,298 |
| Noninterest income to average assets | 0.6070% | 2,439 |
| Noninterest expense to average assets | 2.9399% | 2,280 |
| Loan and lease loss provision to assets | 0.0176% | 3,794 |
| Net operating income to assets | 0.7987% | 3,529 |
| Return on assets (ROA) | 0.8322% | 3,411 |
| Pretax return on assets | 0.8322% | 4,264 |
| Return on Equity (ROE) | 9.7526% | 2,229 |
| Retained earnings to average equity (ytd only) | 9.2371% | 779 |
| Net charge-offs to loans | -0.0086% | 4,591 |
| Credit loss provision to net charge-offs | -500.0000% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2670% | 1,298 |
| Assets per employee ($millions) | 3.3561% | 4,907 |
| Cash dividends to net income (ytd only)* | 5.2850% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,079 |
| Loan loss allowance to noncurrent loans | 236.9318% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 4,150 |
| Noncurrent loans to loans | 0.5740% | 2,975 |
| Net loans and leases to total assets | 39.1825% | 5,224 |
| Net loans and leases to deposits | 43.2857% | 5,328 |
| Net loans and leases to core deposits | 44.7762% | 5,349 |
| Total domestic deposits to total assets | 90.5208% | 318 |
| Equity capital to assets | 9.2434% | 4,692 |
| Core capital (leverage) ratio | 9.4713% | 4,201 |
| Tier 1 risk-based capital ratio | 19.0692% | 1,564 |
| Total risk-based capital ratio | 20.1632% | 1,570 |
| Memoranda: | ||
| Average total assets | $75,783,500 | 4,721 |
| Average earning assets | $73,211,500 | 4,642 |
| Average equity | $6,466,500 | 5,083 |
| Average total loans | $31,019,250 | 5,047 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 4,710 |
| Cost of funding earning assets | 0.2394% | 4,646 |
| Net interest margin | 3.2827% | 4,157 |
| Noninterest income to average assets | 0.6081% | 2,419 |
| Noninterest expense to average assets | 2.9370% | 2,303 |
| Loan and lease loss provision to assets | 0.0133% | 3,688 |
| Net operating income to assets | 0.8259% | 3,265 |
| Return on assets (ROA) | 0.8418% | 3,242 |
| Pretax return on assets | 0.8418% | 4,124 |
| Return on Equity (ROE) | 10.1543% | 1,965 |
| Retained earnings to average equity (ytd only) | 9.6738% | 651 |
| Net charge-offs to loans | -0.0128% | 4,620 |
| Credit loss provision to net charge-offs | -250.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 1,494 |
| Assets per employee ($millions) | 3.6233% | 4,543 |
| Cash dividends to net income (ytd only)* | 4.7319% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 2,234 |
| Loan loss allowance to noncurrent loans | 227.6243% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 4,193 |
| Noncurrent loans to loans | 0.5883% | 2,967 |
| Net loans and leases to total assets | 39.8962% | 5,228 |
| Net loans and leases to deposits | 44.0704% | 5,337 |
| Net loans and leases to core deposits | 46.0199% | 5,338 |
| Total domestic deposits to total assets | 90.5283% | 349 |
| Equity capital to assets | 9.2667% | 4,658 |
| Core capital (leverage) ratio | 9.4464% | 4,185 |
| Tier 1 risk-based capital ratio | 20.9921% | 1,185 |
| Total risk-based capital ratio | 22.2065% | 1,165 |
| Memoranda: | ||
| Average total assets | $75,314,670 | 4,757 |
| Average earning assets | $72,683,000 | 4,682 |
| Average equity | $6,243,670 | 5,151 |
| Average total loans | $31,138,330 | 5,075 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 4,440 |
| Cost of funding earning assets | 0.2378% | 4,657 |
| Net interest margin | 3.3568% | 3,814 |
| Noninterest income to average assets | 0.6086% | 2,377 |
| Noninterest expense to average assets | 2.9522% | 2,293 |
| Loan and lease loss provision to assets | 0.0267% | 3,225 |
| Net operating income to assets | 0.8702% | 2,899 |
| Return on assets (ROA) | 0.8755% | 2,933 |
| Pretax return on assets | 0.8755% | 3,847 |
| Return on Equity (ROE) | 11.2329% | 1,490 |
| Retained earnings to average equity (ytd only) | 10.2055% | 764 |
| Net charge-offs to loans | -0.0128% | 4,521 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6990% | 1,806 |
| Assets per employee ($millions) | 3.4255% | 4,896 |
| Cash dividends to net income (ytd only)* | 9.1463% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,512 |
| Loan loss allowance to noncurrent loans | 230.8989% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 4,281 |
| Noncurrent loans to loans | 0.5654% | 3,112 |
| Net loans and leases to total assets | 41.2295% | 5,196 |
| Net loans and leases to deposits | 44.9009% | 5,336 |
| Net loans and leases to core deposits | 46.8756% | 5,342 |
| Total domestic deposits to total assets | 91.8234% | 125 |
| Equity capital to assets | 8.0373% | 5,502 |
| Core capital (leverage) ratio | 8.5459% | 5,194 |
| Tier 1 risk-based capital ratio | 19.6842% | 1,453 |
| Total risk-based capital ratio | 20.9348% | 1,427 |
| Memoranda: | ||
| Average total assets | $74,927,000 | 4,817 |
| Average earning assets | $72,331,500 | 4,734 |
| Average equity | $5,840,000 | 5,261 |
| Average total loans | $31,323,000 | 5,114 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4669% | 4,854 |
| Cost of funding earning assets | 0.2494% | 4,571 |
| Net interest margin | 3.2174% | 4,390 |
| Noninterest income to average assets | 0.6565% | 2,389 |
| Noninterest expense to average assets | 3.2111% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5341% | 4,497 |
| Return on assets (ROA) | 0.5919% | 4,357 |
| Pretax return on assets | 0.5919% | 4,811 |
| Return on Equity (ROE) | 6.9294% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.5513% | 2,665 |
| Net charge-offs to loans | 0.1102% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.4063% | 2,456 |
| Efficiency ratio | 85.7399% | 847 |
| Assets per employee ($millions) | 3.7247% | 4,439 |
| Cash dividends to net income (ytd only)* | 34.3182% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,548 |
| Loan loss allowance to noncurrent loans | 206.6327% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 4,236 |
| Noncurrent loans to loans | 0.6289% | 2,965 |
| Net loans and leases to total assets | 41.2911% | 5,263 |
| Net loans and leases to deposits | 44.6981% | 5,411 |
| Net loans and leases to core deposits | 46.3210% | 5,417 |
| Total domestic deposits to total assets | 92.3778% | 75 |
| Equity capital to assets | 7.5484% | 5,708 |
| Core capital (leverage) ratio | 8.3915% | 5,376 |
| Tier 1 risk-based capital ratio | 19.4966% | 1,479 |
| Total risk-based capital ratio | 20.7458% | 1,441 |
| Memoranda: | ||
| Average total assets | $74,334,800 | 4,842 |
| Average earning assets | $71,361,000 | 4,773 |
| Average equity | $6,349,800 | 5,219 |
| Average total loans | $29,033,600 | 5,225 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4528% | 4,918 |
| Cost of funding earning assets | 0.2488% | 4,613 |
| Net interest margin | 3.2040% | 4,479 |
| Noninterest income to average assets | 0.6604% | 2,363 |
| Noninterest expense to average assets | 3.1639% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5707% | 4,412 |
| Return on assets (ROA) | 0.6478% | 4,218 |
| Pretax return on assets | 0.6478% | 4,750 |
| Return on Equity (ROE) | 7.3692% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.0630% | 1,593 |
| Net charge-offs to loans | -0.0187% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7189% | 932 |
| Assets per employee ($millions) | 3.4115% | 4,894 |
| Cash dividends to net income (ytd only)* | 4.1552% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,833 |
| Loan loss allowance to noncurrent loans | 207.0423% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 3,465 |
| Noncurrent loans to loans | 0.7155% | 2,888 |
| Net loans and leases to total assets | 39.0782% | 5,428 |
| Net loans and leases to deposits | 43.0644% | 5,545 |
| Net loans and leases to core deposits | 44.6428% | 5,559 |
| Total domestic deposits to total assets | 90.7438% | 260 |
| Equity capital to assets | 9.0244% | 5,153 |
| Core capital (leverage) ratio | 8.4068% | 5,425 |
| Tier 1 risk-based capital ratio | 20.1072% | 1,427 |
| Total risk-based capital ratio | 21.3619% | 1,385 |
| Memoranda: | ||
| Average total assets | $74,295,250 | 4,880 |
| Average earning assets | $71,283,500 | 4,806 |
| Average equity | $6,531,500 | 5,231 |
| Average total loans | $28,501,000 | 5,293 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4283% | 5,023 |
| Cost of funding earning assets | 0.2483% | 4,677 |
| Net interest margin | 3.1800% | 4,608 |
| Noninterest income to average assets | 0.6510% | 2,364 |
| Noninterest expense to average assets | 3.1090% | 2,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5861% | 4,326 |
| Return on assets (ROA) | 0.6186% | 4,321 |
| Pretax return on assets | 0.6186% | 4,841 |
| Return on Equity (ROE) | 7.0997% | 3,484 |
| Retained earnings to average equity (ytd only) | 6.6346% | 1,789 |
| Net charge-offs to loans | -0.0142% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1374% | 1,037 |
| Assets per employee ($millions) | 3.8085% | 4,251 |
| Cash dividends to net income (ytd only)* | 6.5502% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 1,711 |
| Loan loss allowance to noncurrent loans | 219.5000% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 3,631 |
| Noncurrent loans to loans | 0.7022% | 2,973 |
| Net loans and leases to total assets | 36.8142% | 5,568 |
| Net loans and leases to deposits | 40.5264% | 5,671 |
| Net loans and leases to core deposits | 41.9857% | 5,682 |
| Total domestic deposits to total assets | 90.8401% | 223 |
| Equity capital to assets | 8.9748% | 5,256 |
| Core capital (leverage) ratio | 8.4260% | 5,424 |
| Tier 1 risk-based capital ratio | 17.6981% | 2,016 |
| Total risk-based capital ratio | 18.9420% | 1,972 |
| Memoranda: | ||
| Average total assets | $74,043,000 | 4,931 |
| Average earning assets | $70,880,670 | 4,862 |
| Average equity | $6,451,000 | 5,297 |
| Average total loans | $28,078,000 | 5,366 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3915% | 5,148 |
| Cost of funding earning assets | 0.2529% | 4,672 |
| Net interest margin | 3.1386% | 4,753 |
| Noninterest income to average assets | 0.6522% | 2,256 |
| Noninterest expense to average assets | 3.1296% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5152% | 4,562 |
| Return on assets (ROA) | 0.5810% | 4,381 |
| Pretax return on assets | 0.5810% | 4,875 |
| Return on Equity (ROE) | 6.7748% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.7748% | 1,992 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8647% | 986 |
| Assets per employee ($millions) | 3.6687% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 1,727 |
| Loan loss allowance to noncurrent loans | 206.1321% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 3,536 |
| Noncurrent loans to loans | 0.7599% | 2,933 |
| Net loans and leases to total assets | 37.4279% | 5,579 |
| Net loans and leases to deposits | 41.0733% | 5,681 |
| Net loans and leases to core deposits | 42.6038% | 5,696 |
| Total domestic deposits to total assets | 91.1248% | 234 |
| Equity capital to assets | 8.7566% | 5,376 |
| Core capital (leverage) ratio | 8.4857% | 5,398 |
| Tier 1 risk-based capital ratio | 19.0640% | 1,722 |
| Total risk-based capital ratio | 20.3155% | 1,682 |
| Memoranda: | ||
| Average total assets | $72,980,000 | 5,001 |
| Average earning assets | $69,585,500 | 4,938 |
| Average equity | $6,258,500 | 5,372 |
| Average total loans | $27,877,000 | 5,417 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3452% | 5,265 |
| Cost of funding earning assets | 0.2345% | 4,957 |
| Net interest margin | 3.1108% | 4,878 |
| Noninterest income to average assets | 0.6559% | 2,433 |
| Noninterest expense to average assets | 3.2341% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4075% | 5,032 |
| Return on assets (ROA) | 0.4363% | 5,011 |
| Pretax return on assets | 0.4363% | 5,254 |
| Return on Equity (ROE) | 5.3440% | 4,350 |
| Retained earnings to average equity (ytd only) | 3.4114% | 3,627 |
| Net charge-offs to loans | -0.0731% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8093% | 773 |
| Assets per employee ($millions) | 3.6294% | 4,595 |
| Cash dividends to net income (ytd only)* | 36.1635% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 1,727 |
| Loan loss allowance to noncurrent loans | 178.3673% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 3,374 |
| Noncurrent loans to loans | 0.8796% | 2,596 |
| Net loans and leases to total assets | 37.7726% | 5,634 |
| Net loans and leases to deposits | 41.2599% | 5,732 |
| Net loans and leases to core deposits | 42.8052% | 5,743 |
| Total domestic deposits to total assets | 91.5481% | 168 |
| Equity capital to assets | 8.3927% | 5,635 |
| Core capital (leverage) ratio | 8.2281% | 5,670 |
| Tier 1 risk-based capital ratio | 21.1617% | 1,266 |
| Total risk-based capital ratio | 22.4140% | 1,247 |
| Memoranda: | ||
| Average total assets | $72,879,200 | 5,017 |
| Average earning assets | $69,950,600 | 4,942 |
| Average equity | $5,950,600 | 5,447 |
| Average total loans | $27,374,000 | 5,464 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3316% | 5,355 |
| Cost of funding earning assets | 0.2285% | 5,106 |
| Net interest margin | 3.1032% | 4,959 |
| Noninterest income to average assets | 0.6506% | 2,478 |
| Noninterest expense to average assets | 3.1673% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4624% | 4,928 |
| Return on assets (ROA) | 0.4843% | 4,939 |
| Pretax return on assets | 0.4843% | 5,256 |
| Return on Equity (ROE) | 5.9730% | 4,167 |
| Retained earnings to average equity (ytd only) | 4.8461% | 3,020 |
| Net charge-offs to loans | -0.1419% | 5,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2608% | 915 |
| Assets per employee ($millions) | 3.4748% | 4,842 |
| Cash dividends to net income (ytd only)* | 18.8696% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 1,815 |
| Loan loss allowance to noncurrent loans | 166.4179% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 3,476 |
| Noncurrent loans to loans | 0.9568% | 2,589 |
| Net loans and leases to total assets | 37.7739% | 5,715 |
| Net loans and leases to deposits | 41.3359% | 5,826 |
| Net loans and leases to core deposits | 42.5134% | 5,839 |
| Total domestic deposits to total assets | 91.3829% | 175 |
| Equity capital to assets | 8.4047% | 5,760 |
| Core capital (leverage) ratio | 8.2097% | 5,768 |
| Tier 1 risk-based capital ratio | 19.6790% | 1,628 |
| Total risk-based capital ratio | 20.9292% | 1,592 |
| Memoranda: | ||
| Average total assets | $72,952,250 | 5,078 |
| Average earning assets | $70,034,500 | 4,994 |
| Average equity | $5,915,250 | 5,519 |
| Average total loans | $27,253,750 | 5,534 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2810% | 5,475 |
| Cost of funding earning assets | 0.2229% | 5,228 |
| Net interest margin | 3.0581% | 5,068 |
| Noninterest income to average assets | 0.6361% | 2,549 |
| Noninterest expense to average assets | 3.1558% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4140% | 5,100 |
| Return on assets (ROA) | 0.4250% | 5,168 |
| Pretax return on assets | 0.4250% | 5,414 |
| Return on Equity (ROE) | 5.3058% | 4,481 |
| Retained earnings to average equity (ytd only) | 3.5942% | 3,738 |
| Net charge-offs to loans | -0.0148% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4025% | 885 |
| Assets per employee ($millions) | 3.4818% | 4,837 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 2,246 |
| Loan loss allowance to noncurrent loans | 141.0774% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 3,501 |
| Noncurrent loans to loans | 1.0713% | 2,505 |
| Net loans and leases to total assets | 37.3437% | 5,764 |
| Net loans and leases to deposits | 40.6149% | 5,885 |
| Net loans and leases to core deposits | 41.7661% | 5,909 |
| Total domestic deposits to total assets | 91.9459% | 129 |
| Equity capital to assets | 7.8708% | 6,030 |
| Core capital (leverage) ratio | 7.9767% | 5,943 |
| Tier 1 risk-based capital ratio | 19.8468% | 1,586 |
| Total risk-based capital ratio | 21.0977% | 1,543 |
| Memoranda: | ||
| Average total assets | $72,946,000 | 5,129 |
| Average earning assets | $69,978,330 | 5,045 |
| Average equity | $5,842,670 | 5,590 |
| Average total loans | $27,001,670 | 5,592 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 5,544 |
| Cost of funding earning assets | 0.2232% | 5,286 |
| Net interest margin | 3.0328% | 5,116 |
| Noninterest income to average assets | 0.6533% | 2,390 |
| Noninterest expense to average assets | 3.1348% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4282% | 4,955 |
| Return on assets (ROA) | 0.4447% | 5,013 |
| Pretax return on assets | 0.4447% | 5,333 |
| Return on Equity (ROE) | 5.5041% | 4,281 |
| Retained earnings to average equity (ytd only) | 2.1065% | 4,623 |
| Net charge-offs to loans | -0.0300% | 5,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9815% | 1,016 |
| Assets per employee ($millions) | 3.5685% | 4,781 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 2,435 |
| Loan loss allowance to noncurrent loans | 150.7194% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 3,663 |
| Noncurrent loans to loans | 0.9964% | 2,772 |
| Net loans and leases to total assets | 36.6730% | 5,797 |
| Net loans and leases to deposits | 39.9274% | 5,914 |
| Net loans and leases to core deposits | 41.1900% | 5,929 |
| Total domestic deposits to total assets | 91.8493% | 166 |
| Equity capital to assets | 8.0467% | 6,012 |
| Core capital (leverage) ratio | 8.2636% | 5,767 |
| Tier 1 risk-based capital ratio | 17.2125% | 2,402 |
| Total risk-based capital ratio | 18.4432% | 2,365 |
| Memoranda: | ||
| Average total assets | $72,860,000 | 5,174 |
| Average earning assets | $69,903,500 | 5,089 |
| Average equity | $5,886,500 | 5,628 |
| Average total loans | $26,640,500 | 5,654 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 5,057 |
| Cost of funding earning assets | 0.2559% | 5,262 |
| Net interest margin | 3.3562% | 4,385 |
| Noninterest income to average assets | 0.7521% | 2,067 |
| Noninterest expense to average assets | 3.4914% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4269% | 5,126 |
| Return on assets (ROA) | 0.4386% | 5,163 |
| Pretax return on assets | 0.4386% | 5,407 |
| Return on Equity (ROE) | 5.6165% | 4,352 |
| Retained earnings to average equity (ytd only) | 3.7883% | 3,528 |
| Net charge-offs to loans | 0.1846% | 2,194 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.0417% | 3,286 |
| Efficiency ratio | 89.1059% | 902 |
| Assets per employee ($millions) | 3.3706% | 5,126 |
| Cash dividends to net income (ytd only)* | 32.5503% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 1,945 |
| Loan loss allowance to noncurrent loans | 144.7917% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 3,604 |
| Noncurrent loans to loans | 1.1348% | 2,568 |
| Net loans and leases to total assets | 35.2674% | 5,985 |
| Net loans and leases to deposits | 38.4052% | 6,087 |
| Net loans and leases to core deposits | 39.6931% | 6,101 |
| Total domestic deposits to total assets | 91.8298% | 171 |
| Equity capital to assets | 8.1136% | 6,001 |
| Core capital (leverage) ratio | 8.3862% | 5,679 |
| Tier 1 risk-based capital ratio | 20.4419% | 1,518 |
| Total risk-based capital ratio | 21.6938% | 1,488 |
| Memoranda: | ||
| Average total assets | $67,939,000 | 5,346 |
| Average earning assets | $64,090,800 | 5,275 |
| Average equity | $5,305,800 | 5,790 |
| Average total loans | $25,998,000 | 5,736 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6261% | 5,080 |
| Cost of funding earning assets | 0.2617% | 5,285 |
| Net interest margin | 3.3643% | 4,376 |
| Noninterest income to average assets | 0.7616% | 2,045 |
| Noninterest expense to average assets | 3.4528% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4700% | 4,991 |
| Return on assets (ROA) | 0.4859% | 4,989 |
| Pretax return on assets | 0.4859% | 5,361 |
| Return on Equity (ROE) | 6.2862% | 4,086 |
| Retained earnings to average equity (ytd only) | 6.1578% | 2,307 |
| Net charge-offs to loans | -0.0102% | 5,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0182% | 999 |
| Assets per employee ($millions) | 3.2739% | 5,277 |
| Cash dividends to net income (ytd only)* | 2.0419% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 1,851 |
| Loan loss allowance to noncurrent loans | 107.6037% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 3,214 |
| Noncurrent loans to loans | 1.6175% | 2,018 |
| Net loans and leases to total assets | 38.3471% | 5,922 |
| Net loans and leases to deposits | 41.8257% | 6,061 |
| Net loans and leases to core deposits | 43.3184% | 6,070 |
| Total domestic deposits to total assets | 91.6830% | 203 |
| Equity capital to assets | 8.1322% | 6,056 |
| Core capital (leverage) ratio | 8.5251% | 5,635 |
| Tier 1 risk-based capital ratio | 18.7193% | 1,981 |
| Total risk-based capital ratio | 19.9732% | 1,946 |
| Memoranda: | ||
| Average total assets | $67,228,250 | 5,422 |
| Average earning assets | $63,170,750 | 5,363 |
| Average equity | $5,196,500 | 5,876 |
| Average total loans | $26,152,500 | 5,792 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 5,262 |
| Cost of funding earning assets | 0.2635% | 5,349 |
| Net interest margin | 3.2959% | 4,609 |
| Noninterest income to average assets | 0.7374% | 2,102 |
| Noninterest expense to average assets | 3.4862% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3627% | 5,362 |
| Return on assets (ROA) | 0.3777% | 5,371 |
| Pretax return on assets | 0.3777% | 5,620 |
| Return on Equity (ROE) | 4.9753% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.9753% | 2,971 |
| Net charge-offs to loans | -0.0231% | 5,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5763% | 870 |
| Assets per employee ($millions) | 3.1711% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8455% | 1,717 |
| Loan loss allowance to noncurrent loans | 81.3913% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 2,799 |
| Noncurrent loans to loans | 2.2674% | 1,435 |
| Net loans and leases to total assets | 37.3772% | 5,987 |
| Net loans and leases to deposits | 40.7295% | 6,122 |
| Net loans and leases to core deposits | 42.2296% | 6,139 |
| Total domestic deposits to total assets | 91.7695% | 203 |
| Equity capital to assets | 8.0833% | 6,110 |
| Core capital (leverage) ratio | 8.5491% | 5,587 |
| Tier 1 risk-based capital ratio | 15.7964% | 3,195 |
| Total risk-based capital ratio | 17.0455% | 3,131 |
| Memoranda: | ||
| Average total assets | $66,720,670 | 5,481 |
| Average earning assets | $62,986,670 | 5,425 |
| Average equity | $5,065,000 | 5,943 |
| Average total loans | $25,926,330 | 5,842 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5663% | 5,254 |
| Cost of funding earning assets | 0.2724% | 5,364 |
| Net interest margin | 3.2939% | 4,564 |
| Noninterest income to average assets | 0.7247% | 2,059 |
| Noninterest expense to average assets | 3.5038% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3354% | 5,373 |
| Return on assets (ROA) | 0.3294% | 5,446 |
| Pretax return on assets | 0.3294% | 5,653 |
| Return on Equity (ROE) | 4.4843% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.4843% | 3,427 |
| Net charge-offs to loans | -0.0458% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2637% | 927 |
| Assets per employee ($millions) | 3.0362% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 1,949 |
| Loan loss allowance to noncurrent loans | 101.5184% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 3,300 |
| Noncurrent loans to loans | 1.8067% | 2,127 |
| Net loans and leases to total assets | 37.4993% | 5,979 |
| Net loans and leases to deposits | 40.6076% | 6,151 |
| Net loans and leases to core deposits | 43.1267% | 6,113 |
| Total domestic deposits to total assets | 92.3454% | 188 |
| Equity capital to assets | 7.5484% | 6,301 |
| Core capital (leverage) ratio | 8.4727% | 5,675 |
| Tier 1 risk-based capital ratio | 14.5290% | 3,994 |
| Total risk-based capital ratio | 15.7254% | 3,977 |
| Memoranda: | ||
| Average total assets | $66,784,000 | 5,539 |
| Average earning assets | $63,147,000 | 5,468 |
| Average equity | $4,906,000 | 6,019 |
| Average total loans | $26,210,000 | 5,885 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 5,217 |
| Cost of funding earning assets | 0.2802% | 5,760 |
| Net interest margin | 3.3905% | 4,313 |
| Noninterest income to average assets | 0.7860% | 2,137 |
| Noninterest expense to average assets | 3.4406% | 1,788 |
| Loan and lease loss provision to assets | 0.0860% | 3,393 |
| Net operating income to assets | 0.4716% | 4,863 |
| Return on assets (ROA) | 0.5561% | 4,603 |
| Pretax return on assets | 0.5561% | 5,026 |
| Return on Equity (ROE) | 7.0803% | 3,524 |
| Retained earnings to average equity (ytd only) | 2.9076% | 4,175 |
| Net charge-offs to loans | 0.1833% | 3,008 |
| Credit loss provision to net charge-offs | 120.8333% | 1,974 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 2,778 |
| Efficiency ratio | 86.0534% | 1,409 |
| Assets per employee ($millions) | 3.0351% | 5,777 |
| Cash dividends to net income (ytd only)* | 58.9333% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 2,311 |
| Loan loss allowance to noncurrent loans | 97.8947% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 3,413 |
| Noncurrent loans to loans | 1.7655% | 2,282 |
| Net loans and leases to total assets | 39.5959% | 5,992 |
| Net loans and leases to deposits | 43.3718% | 6,154 |
| Net loans and leases to core deposits | 46.0947% | 6,132 |
| Total domestic deposits to total assets | 91.2943% | 470 |
| Equity capital to assets | 7.1437% | 6,420 |
| Core capital (leverage) ratio | 8.3794% | 5,804 |
| Tier 1 risk-based capital ratio | 20.4187% | 1,558 |
| Total risk-based capital ratio | 21.6740% | 1,527 |
| Memoranda: | ||
| Average total assets | $67,430,400 | 5,554 |
| Average earning assets | $63,884,200 | 5,472 |
| Average equity | $5,296,400 | 5,992 |
| Average total loans | $26,185,000 | 5,931 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6885% | 5,192 |
| Cost of funding earning assets | 0.2789% | 5,895 |
| Net interest margin | 3.4096% | 4,247 |
| Noninterest income to average assets | 0.7870% | 2,214 |
| Noninterest expense to average assets | 3.4183% | 1,784 |
| Loan and lease loss provision to assets | 0.1144% | 2,859 |
| Net operating income to assets | 0.4852% | 4,865 |
| Return on assets (ROA) | 0.5937% | 4,505 |
| Pretax return on assets | 0.5937% | 5,039 |
| Return on Equity (ROE) | 7.3935% | 3,438 |
| Retained earnings to average equity (ytd only) | 5.5514% | 2,692 |
| Net charge-offs to loans | 0.2512% | 2,308 |
| Credit loss provision to net charge-offs | 118.3673% | 1,984 |
| Earnings coverage of net charge-offs (x) | 6.2042% | 3,016 |
| Efficiency ratio | 85.0761% | 1,460 |
| Assets per employee ($millions) | 3.0958% | 5,683 |
| Cash dividends to net income (ytd only)* | 24.9178% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 2,507 |
| Loan loss allowance to noncurrent loans | 82.2695% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1130% | 3,423 |
| Noncurrent loans to loans | 2.1074% | 2,120 |
| Net loans and leases to total assets | 38.6142% | 6,130 |
| Net loans and leases to deposits | 41.7252% | 6,325 |
| Net loans and leases to core deposits | 44.6313% | 6,268 |
| Total domestic deposits to total assets | 92.5441% | 176 |
| Equity capital to assets | 7.2474% | 6,479 |
| Core capital (leverage) ratio | 8.5041% | 5,766 |
| Tier 1 risk-based capital ratio | 15.6442% | 3,377 |
| Total risk-based capital ratio | 16.8953% | 3,337 |
| Memoranda: | ||
| Average total assets | $67,595,000 | 5,607 |
| Average earning assets | $64,052,750 | 5,523 |
| Average equity | $5,428,000 | 6,026 |
| Average total loans | $26,005,250 | 5,992 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 5,326 |
| Cost of funding earning assets | 0.2804% | 5,981 |
| Net interest margin | 3.3588% | 4,345 |
| Noninterest income to average assets | 0.7801% | 2,275 |
| Noninterest expense to average assets | 3.4646% | 1,691 |
| Loan and lease loss provision to assets | 0.1098% | 2,966 |
| Net operating income to assets | 0.4034% | 5,205 |
| Return on assets (ROA) | 0.5666% | 4,639 |
| Pretax return on assets | 0.5666% | 5,140 |
| Return on Equity (ROE) | 6.8312% | 3,707 |
| Retained earnings to average equity (ytd only) | 4.6853% | 3,273 |
| Net charge-offs to loans | 0.4815% | 1,370 |
| Credit loss provision to net charge-offs | 59.6774% | 3,025 |
| Earnings coverage of net charge-offs (x) | 2.7903% | 3,585 |
| Efficiency ratio | 87.0992% | 1,314 |
| Assets per employee ($millions) | 3.0275% | 5,804 |
| Cash dividends to net income (ytd only)* | 31.4136% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 2,965 |
| Loan loss allowance to noncurrent loans | 71.1921% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.1981% | 3,346 |
| Noncurrent loans to loans | 2.3226% | 2,031 |
| Net loans and leases to total assets | 38.3974% | 6,152 |
| Net loans and leases to deposits | 41.7013% | 6,341 |
| Net loans and leases to core deposits | 44.4435% | 6,313 |
| Total domestic deposits to total assets | 92.0773% | 239 |
| Equity capital to assets | 7.7380% | 6,346 |
| Core capital (leverage) ratio | 8.3770% | 5,792 |
| Tier 1 risk-based capital ratio | 17.7170% | 2,429 |
| Total risk-based capital ratio | 18.9685% | 2,395 |
| Memoranda: | ||
| Average total assets | $67,424,330 | 5,650 |
| Average earning assets | $64,189,330 | 5,553 |
| Average equity | $5,592,000 | 6,021 |
| Average total loans | $25,752,670 | 6,032 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 5,359 |
| Cost of funding earning assets | 0.2793% | 6,111 |
| Net interest margin | 3.3517% | 4,309 |
| Noninterest income to average assets | 0.7902% | 2,163 |
| Noninterest expense to average assets | 3.4968% | 1,629 |
| Loan and lease loss provision to assets | 0.1592% | 2,282 |
| Net operating income to assets | 0.3184% | 5,499 |
| Return on assets (ROA) | 0.5720% | 4,500 |
| Pretax return on assets | 0.5720% | 5,046 |
| Return on Equity (ROE) | 6.6770% | 3,675 |
| Retained earnings to average equity (ytd only) | 4.6119% | 3,470 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9822% | 1,331 |
| Assets per employee ($millions) | 2.9520% | 6,067 |
| Cash dividends to net income (ytd only)* | 30.9278% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 2,382 |
| Loan loss allowance to noncurrent loans | 67.3184% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.3403% | 3,278 |
| Noncurrent loans to loans | 2.7840% | 1,822 |
| Net loans and leases to total assets | 37.1692% | 6,209 |
| Net loans and leases to deposits | 41.4691% | 6,353 |
| Net loans and leases to core deposits | 44.2233% | 6,304 |
| Total domestic deposits to total assets | 89.6310% | 1,272 |
| Equity capital to assets | 8.5691% | 5,945 |
| Core capital (leverage) ratio | 8.2282% | 5,909 |
| Tier 1 risk-based capital ratio | 17.1531% | 2,690 |
| Total risk-based capital ratio | 18.4066% | 2,660 |
| Memoranda: | ||
| Average total assets | $67,833,500 | 5,691 |
| Average earning assets | $64,445,000 | 5,600 |
| Average equity | $5,811,000 | 6,031 |
| Average total loans | $25,626,500 | 6,084 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 6,018 |
| Cost of funding earning assets | 0.3821% | 6,040 |
| Net interest margin | 3.3354% | 5,120 |
| Noninterest income to average assets | 0.8301% | 2,132 |
| Noninterest expense to average assets | 3.6355% | 1,534 |
| Loan and lease loss provision to assets | 0.1619% | 3,588 |
| Net operating income to assets | 0.2193% | 5,735 |
| Return on assets (ROA) | 0.4769% | 5,024 |
| Pretax return on assets | 0.4769% | 5,348 |
| Return on Equity (ROE) | 5.7645% | 4,274 |
| Retained earnings to average equity (ytd only) | 3.4694% | 3,778 |
| Net charge-offs to loans | 0.4206% | 2,554 |
| Credit loss provision to net charge-offs | 98.2143% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.3125% | 4,255 |
| Efficiency ratio | 90.5093% | 1,021 |
| Assets per employee ($millions) | 2.8238% | 6,283 |
| Cash dividends to net income (ytd only)* | 39.8148% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 2,648 |
| Loan loss allowance to noncurrent loans | 103.4091% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0757% | 3,873 |
| Noncurrent loans to loans | 1.7231% | 3,026 |
| Net loans and leases to total assets | 37.0064% | 6,371 |
| Net loans and leases to deposits | 40.4928% | 6,528 |
| Net loans and leases to core deposits | 42.9210% | 6,508 |
| Total domestic deposits to total assets | 91.3902% | 370 |
| Equity capital to assets | 8.5640% | 5,997 |
| Core capital (leverage) ratio | 8.0226% | 6,171 |
| Tier 1 risk-based capital ratio | 18.6043% | 2,071 |
| Total risk-based capital ratio | 19.8580% | 2,031 |
| Memoranda: | ||
| Average total assets | $67,940,600 | 5,674 |
| Average earning assets | $64,909,200 | 5,587 |
| Average equity | $5,620,600 | 6,118 |
| Average total loans | $26,627,200 | 6,106 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6816% | 6,254 |
| Cost of funding earning assets | 0.4086% | 6,067 |
| Net interest margin | 3.2730% | 5,478 |
| Noninterest income to average assets | 0.8433% | 2,063 |
| Noninterest expense to average assets | 3.5792% | 1,595 |
| Loan and lease loss provision to assets | 0.1569% | 3,556 |
| Net operating income to assets | 0.2334% | 5,829 |
| Return on assets (ROA) | 0.4844% | 5,167 |
| Pretax return on assets | 0.4844% | 5,506 |
| Return on Equity (ROE) | 5.9075% | 4,374 |
| Retained earnings to average equity (ytd only) | 4.8312% | 3,485 |
| Net charge-offs to loans | 0.3469% | 2,717 |
| Credit loss provision to net charge-offs | 114.2857% | 2,550 |
| Earnings coverage of net charge-offs (x) | 2.8429% | 3,900 |
| Efficiency ratio | 90.1680% | 1,029 |
| Assets per employee ($millions) | 3.1007% | 5,849 |
| Cash dividends to net income (ytd only)* | 18.2188% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8397% | 2,672 |
| Loan loss allowance to noncurrent loans | 145.4829% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 4,482 |
| Noncurrent loans to loans | 1.2646% | 3,939 |
| Net loans and leases to total assets | 36.5272% | 6,522 |
| Net loans and leases to deposits | 40.0898% | 6,671 |
| Net loans and leases to core deposits | 42.4842% | 6,654 |
| Total domestic deposits to total assets | 91.1134% | 388 |
| Equity capital to assets | 8.6594% | 6,136 |
| Core capital (leverage) ratio | 8.0435% | 6,287 |
| Tier 1 risk-based capital ratio | 16.9181% | 2,774 |
| Total risk-based capital ratio | 18.1709% | 2,735 |
| Memoranda: | ||
| Average total assets | $67,982,750 | 5,745 |
| Average earning assets | $64,934,500 | 5,641 |
| Average equity | $5,574,750 | 6,201 |
| Average total loans | $26,900,250 | 6,172 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 6,206 |
| Cost of funding earning assets | 0.4436% | 6,006 |
| Net interest margin | 3.3270% | 5,360 |
| Noninterest income to average assets | 0.8571% | 1,945 |
| Noninterest expense to average assets | 3.8348% | 1,162 |
| Loan and lease loss provision to assets | 0.1473% | 3,674 |
| Net operating income to assets | 0.0560% | 6,247 |
| Return on assets (ROA) | 0.3858% | 5,503 |
| Pretax return on assets | 0.3858% | 5,740 |
| Return on Equity (ROE) | 4.7950% | 4,905 |
| Retained earnings to average equity (ytd only) | 4.4290% | 3,656 |
| Net charge-offs to loans | 0.5546% | 1,927 |
| Credit loss provision to net charge-offs | 65.7895% | 3,664 |
| Earnings coverage of net charge-offs (x) | 0.9079% | 4,584 |
| Efficiency ratio | 94.9672% | 758 |
| Assets per employee ($millions) | 2.8593% | 6,302 |
| Cash dividends to net income (ytd only)* | 7.6336% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 3,369 |
| Loan loss allowance to noncurrent loans | 86.5462% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 4,082 |
| Noncurrent loans to loans | 1.9257% | 3,036 |
| Net loans and leases to total assets | 37.0581% | 6,544 |
| Net loans and leases to deposits | 40.4801% | 6,717 |
| Net loans and leases to core deposits | 43.5147% | 6,680 |
| Total domestic deposits to total assets | 91.5464% | 304 |
| Equity capital to assets | 8.2976% | 6,381 |
| Core capital (leverage) ratio | 7.9332% | 6,335 |
| Tier 1 risk-based capital ratio | 16.5512% | 2,884 |
| Total risk-based capital ratio | 17.8015% | 2,848 |
| Memoranda: | ||
| Average total assets | $67,905,330 | 5,784 |
| Average earning assets | $64,923,670 | 5,678 |
| Average equity | $5,464,000 | 6,249 |
| Average total loans | $27,405,670 | 6,184 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 6,005 |
| Cost of funding earning assets | 0.4579% | 6,097 |
| Net interest margin | 3.4469% | 4,925 |
| Noninterest income to average assets | 0.8883% | 1,800 |
| Noninterest expense to average assets | 3.9202% | 1,037 |
| Loan and lease loss provision to assets | 0.1184% | 3,865 |
| Net operating income to assets | 0.1480% | 6,123 |
| Return on assets (ROA) | 0.2369% | 6,012 |
| Pretax return on assets | 0.2369% | 6,118 |
| Return on Equity (ROE) | 2.9912% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.2434% | 5,136 |
| Net charge-offs to loans | 0.6104% | 1,570 |
| Credit loss provision to net charge-offs | 46.5116% | 3,337 |
| Earnings coverage of net charge-offs (x) | 1.0465% | 3,805 |
| Efficiency ratio | 93.6351% | 840 |
| Assets per employee ($millions) | 2.8524% | 6,430 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 3,772 |
| Loan loss allowance to noncurrent loans | 102.8436% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 4,386 |
| Noncurrent loans to loans | 1.5431% | 3,800 |
| Net loans and leases to total assets | 39.3146% | 6,401 |
| Net loans and leases to deposits | 42.7159% | 6,621 |
| Net loans and leases to core deposits | 46.3228% | 6,549 |
| Total domestic deposits to total assets | 92.0375% | 248 |
| Equity capital to assets | 7.8135% | 6,629 |
| Core capital (leverage) ratio | 7.9042% | 6,331 |
| Tier 1 risk-based capital ratio | 15.7596% | 3,312 |
| Total risk-based capital ratio | 17.0089% | 3,282 |
| Memoranda: | ||
| Average total assets | $67,547,000 | 5,846 |
| Average earning assets | $64,638,000 | 5,736 |
| Average equity | $5,349,000 | 6,319 |
| Average total loans | $28,178,000 | 6,193 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 6,003 |
| Cost of funding earning assets | 0.5928% | 6,119 |
| Net interest margin | 3.6258% | 4,628 |
| Noninterest income to average assets | 0.9428% | 1,527 |
| Noninterest expense to average assets | 4.0998% | 909 |
| Loan and lease loss provision to assets | 0.0886% | 5,480 |
| Net operating income to assets | 0.2032% | 5,584 |
| Return on assets (ROA) | 0.2032% | 5,712 |
| Pretax return on assets | 0.2032% | 5,777 |
| Return on Equity (ROE) | 2.4786% | 5,481 |
| Retained earnings to average equity (ytd only) | 1.3977% | 5,196 |
| Net charge-offs to loans | 0.1117% | 5,257 |
| Credit loss provision to net charge-offs | 175.7576% | 1,496 |
| Earnings coverage of net charge-offs (x) | 5.7879% | 2,685 |
| Efficiency ratio | 93.3542% | 963 |
| Assets per employee ($millions) | 2.4680% | 6,860 |
| Cash dividends to net income (ytd only)* | 43.6090% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 3,678 |
| Loan loss allowance to noncurrent loans | 78.6575% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.2006% | 4,235 |
| Noncurrent loans to loans | 2.0029% | 3,199 |
| Net loans and leases to total assets | 42.8462% | 6,313 |
| Net loans and leases to deposits | 46.6093% | 6,593 |
| Net loans and leases to core deposits | 50.6610% | 6,495 |
| Total domestic deposits to total assets | 91.9263% | 249 |
| Equity capital to assets | 8.0272% | 6,557 |
| Core capital (leverage) ratio | 7.9284% | 6,326 |
| Tier 1 risk-based capital ratio | 15.2252% | 3,496 |
| Total risk-based capital ratio | 16.4764% | 3,458 |
| Memoranda: | ||
| Average total assets | $65,442,200 | 5,885 |
| Average earning assets | $62,248,200 | 5,796 |
| Average equity | $5,366,000 | 6,333 |
| Average total loans | $29,542,800 | 6,178 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 5,838 |
| Cost of funding earning assets | 0.6227% | 6,169 |
| Net interest margin | 3.7105% | 4,291 |
| Noninterest income to average assets | 0.9415% | 1,511 |
| Noninterest expense to average assets | 4.1446% | 846 |
| Loan and lease loss provision to assets | 0.0553% | 5,753 |
| Net operating income to assets | 0.2661% | 5,525 |
| Return on assets (ROA) | 0.2661% | 5,677 |
| Pretax return on assets | 0.2661% | 5,779 |
| Return on Equity (ROE) | 3.2276% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.8552% | 4,646 |
| Net charge-offs to loans | 0.1707% | 4,432 |
| Credit loss provision to net charge-offs | 71.0526% | 4,450 |
| Earnings coverage of net charge-offs (x) | 4.1312% | 3,167 |
| Efficiency ratio | 92.8048% | 981 |
| Assets per employee ($millions) | 2.4477% | 6,942 |
| Cash dividends to net income (ytd only)* | 11.5387% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 4,397 |
| Loan loss allowance to noncurrent loans | 80.3435% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 4,530 |
| Noncurrent loans to loans | 1.7855% | 3,655 |
| Net loans and leases to total assets | 43.7696% | 6,354 |
| Net loans and leases to deposits | 47.8124% | 6,630 |
| Net loans and leases to core deposits | 51.0997% | 6,614 |
| Total domestic deposits to total assets | 91.5445% | 281 |
| Equity capital to assets | 8.1741% | 6,580 |
| Core capital (leverage) ratio | 8.1057% | 6,275 |
| Tier 1 risk-based capital ratio | 15.5193% | 3,373 |
| Total risk-based capital ratio | 16.7474% | 3,362 |
| Memoranda: | ||
| Average total assets | $65,143,750 | 5,937 |
| Average earning assets | $61,876,250 | 5,851 |
| Average equity | $5,370,250 | 6,378 |
| Average total loans | $29,676,500 | 6,232 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 5,759 |
| Cost of funding earning assets | 0.6599% | 6,172 |
| Net interest margin | 3.7219% | 4,169 |
| Noninterest income to average assets | 0.9224% | 1,573 |
| Noninterest expense to average assets | 4.1247% | 892 |
| Loan and lease loss provision to assets | 0.0555% | 5,624 |
| Net operating income to assets | 0.2746% | 5,466 |
| Return on assets (ROA) | 0.2746% | 5,590 |
| Pretax return on assets | 0.2746% | 5,728 |
| Return on Equity (ROE) | 3.3211% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.3211% | 4,141 |
| Net charge-offs to loans | -0.0940% | 7,154 |
| Credit loss provision to net charge-offs | -128.5714% | 6,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5900% | 1,059 |
| Assets per employee ($millions) | 2.3800% | 7,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,783 |
| Loan loss allowance to noncurrent loans | 58.5859% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.5733% | 3,838 |
| Noncurrent loans to loans | 2.6962% | 2,700 |
| Net loans and leases to total assets | 44.9914% | 6,353 |
| Net loans and leases to deposits | 49.2253% | 6,656 |
| Net loans and leases to core deposits | 52.7121% | 6,627 |
| Total domestic deposits to total assets | 91.3989% | 368 |
| Equity capital to assets | 8.3926% | 6,314 |
| Core capital (leverage) ratio | 8.1993% | 6,033 |
| Tier 1 risk-based capital ratio | 15.3101% | 3,344 |
| Total risk-based capital ratio | 16.5621% | 3,297 |
| Memoranda: | ||
| Average total assets | $64,829,330 | 5,988 |
| Average earning assets | $61,528,000 | 5,906 |
| Average equity | $5,359,670 | 6,424 |
| Average total loans | $29,786,330 | 6,291 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 5,614 |
| Cost of funding earning assets | 0.6864% | 6,215 |
| Net interest margin | 3.7361% | 3,915 |
| Noninterest income to average assets | 0.8907% | 1,690 |
| Noninterest expense to average assets | 4.0421% | 984 |
| Loan and lease loss provision to assets | 0.0614% | 5,229 |
| Net operating income to assets | 0.3317% | 5,261 |
| Return on assets (ROA) | 0.3317% | 5,337 |
| Pretax return on assets | 0.3317% | 5,558 |
| Return on Equity (ROE) | 4.0427% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.0427% | 3,743 |
| Net charge-offs to loans | -0.1867% | 7,246 |
| Credit loss provision to net charge-offs | -71.4286% | 5,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1357% | 1,233 |
| Assets per employee ($millions) | 2.3148% | 7,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 4,027 |
| Loan loss allowance to noncurrent loans | 65.1429% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.3747% | 4,228 |
| Noncurrent loans to loans | 2.3563% | 3,129 |
| Net loans and leases to total assets | 45.1322% | 6,368 |
| Net loans and leases to deposits | 49.2840% | 6,666 |
| Net loans and leases to core deposits | 52.7291% | 6,642 |
| Total domestic deposits to total assets | 91.5759% | 395 |
| Equity capital to assets | 8.2744% | 6,193 |
| Core capital (leverage) ratio | 8.0684% | 6,163 |
| Tier 1 risk-based capital ratio | 15.1242% | 3,362 |
| Total risk-based capital ratio | 16.3752% | 3,317 |
| Memoranda: | ||
| Average total assets | $65,114,500 | 6,026 |
| Average earning assets | $61,775,500 | 5,947 |
| Average equity | $5,343,000 | 6,440 |
| Average total loans | $29,992,000 | 6,335 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 5,496 |
| Cost of funding earning assets | 0.8785% | 6,249 |
| Net interest margin | 3.8995% | 3,494 |
| Noninterest income to average assets | 1.0142% | 1,457 |
| Noninterest expense to average assets | 4.0919% | 1,036 |
| Loan and lease loss provision to assets | 0.3052% | 4,360 |
| Net operating income to assets | 0.3037% | 4,924 |
| Return on assets (ROA) | 0.3037% | 5,097 |
| Pretax return on assets | 0.3037% | 5,225 |
| Return on Equity (ROE) | 3.7421% | 4,640 |
| Retained earnings to average equity (ytd only) | 2.6195% | 4,029 |
| Net charge-offs to loans | 0.3046% | 4,490 |
| Credit loss provision to net charge-offs | 213.8298% | 1,423 |
| Earnings coverage of net charge-offs (x) | 4.2660% | 2,994 |
| Efficiency ratio | 87.0478% | 1,567 |
| Assets per employee ($millions) | 2.5160% | 6,990 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 4,390 |
| Loan loss allowance to noncurrent loans | 67.7116% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.2719% | 4,491 |
| Noncurrent loans to loans | 2.1073% | 3,428 |
| Net loans and leases to total assets | 45.6226% | 6,591 |
| Net loans and leases to deposits | 49.6920% | 6,869 |
| Net loans and leases to core deposits | 53.1155% | 6,854 |
| Total domestic deposits to total assets | 91.8107% | 321 |
| Equity capital to assets | 8.1373% | 6,336 |
| Core capital (leverage) ratio | 7.8611% | 6,367 |
| Tier 1 risk-based capital ratio | 14.7362% | 3,404 |
| Total risk-based capital ratio | 15.9590% | 3,384 |
| Memoranda: | ||
| Average total assets | $65,861,800 | 6,005 |
| Average earning assets | $62,264,800 | 5,910 |
| Average equity | $5,344,600 | 6,553 |
| Average total loans | $30,858,800 | 6,359 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 5,480 |
| Cost of funding earning assets | 0.9159% | 6,331 |
| Net interest margin | 3.9312% | 3,401 |
| Noninterest income to average assets | 1.0307% | 1,368 |
| Noninterest expense to average assets | 4.0803% | 954 |
| Loan and lease loss provision to assets | 0.2627% | 4,478 |
| Net operating income to assets | 0.4001% | 4,750 |
| Return on assets (ROA) | 0.4001% | 4,926 |
| Pretax return on assets | 0.4001% | 5,216 |
| Return on Equity (ROE) | 4.9344% | 4,321 |
| Retained earnings to average equity (ytd only) | 4.9344% | 3,036 |
| Net charge-offs to loans | 0.2580% | 4,398 |
| Credit loss provision to net charge-offs | 216.6667% | 1,602 |
| Earnings coverage of net charge-offs (x) | 5.4665% | 2,740 |
| Efficiency ratio | 86.0247% | 1,628 |
| Assets per employee ($millions) | 2.3357% | 7,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 5,030 |
| Loan loss allowance to noncurrent loans | 83.1579% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.1116% | 4,893 |
| Noncurrent loans to loans | 1.5492% | 4,312 |
| Net loans and leases to total assets | 46.2790% | 6,674 |
| Net loans and leases to deposits | 50.6493% | 6,971 |
| Net loans and leases to core deposits | 56.3413% | 6,837 |
| Total domestic deposits to total assets | 91.3714% | 340 |
| Equity capital to assets | 8.3105% | 6,491 |
| Core capital (leverage) ratio | 7.9761% | 6,381 |
| Tier 1 risk-based capital ratio | 15.3801% | 3,056 |
| Total risk-based capital ratio | 16.5342% | 3,072 |
| Memoranda: | ||
| Average total assets | $65,973,500 | 6,068 |
| Average earning assets | $62,303,500 | 5,982 |
| Average equity | $5,350,000 | 6,633 |
| Average total loans | $31,004,500 | 6,437 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 5,331 |
| Cost of funding earning assets | 0.9443% | 6,403 |
| Net interest margin | 3.9694% | 3,165 |
| Noninterest income to average assets | 1.0428% | 1,242 |
| Noninterest expense to average assets | 4.0928% | 933 |
| Loan and lease loss provision to assets | 0.2569% | 4,367 |
| Net operating income to assets | 0.4413% | 4,580 |
| Return on assets (ROA) | 0.4413% | 4,734 |
| Pretax return on assets | 0.4413% | 5,090 |
| Return on Equity (ROE) | 5.4870% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.4870% | 2,620 |
| Net charge-offs to loans | 0.4113% | 3,342 |
| Credit loss provision to net charge-offs | 132.8125% | 3,031 |
| Earnings coverage of net charge-offs (x) | 3.6094% | 3,244 |
| Efficiency ratio | 85.4259% | 1,777 |
| Assets per employee ($millions) | 2.3103% | 7,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,791 |
| Loan loss allowance to noncurrent loans | 54.2320% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.3758% | 4,421 |
| Noncurrent loans to loans | 2.0849% | 3,611 |
| Net loans and leases to total assets | 46.7707% | 6,724 |
| Net loans and leases to deposits | 51.1600% | 7,017 |
| Net loans and leases to core deposits | 56.4112% | 6,916 |
| Total domestic deposits to total assets | 91.4204% | 355 |
| Equity capital to assets | 8.3014% | 6,427 |
| Core capital (leverage) ratio | 7.9513% | 6,324 |
| Tier 1 risk-based capital ratio | 14.8098% | 3,259 |
| Total risk-based capital ratio | 15.7929% | 3,385 |
| Memoranda: | ||
| Average total assets | $66,165,000 | 6,097 |
| Average earning assets | $62,478,000 | 6,003 |
| Average equity | $5,321,670 | 6,681 |
| Average total loans | $31,119,000 | 6,475 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8496% | 5,690 |
| Cost of funding earning assets | 0.9876% | 6,432 |
| Net interest margin | 3.8620% | 3,502 |
| Noninterest income to average assets | 1.0044% | 1,291 |
| Noninterest expense to average assets | 4.0117% | 1,017 |
| Loan and lease loss provision to assets | 0.2392% | 4,133 |
| Net operating income to assets | 0.4006% | 4,835 |
| Return on assets (ROA) | 0.4006% | 4,980 |
| Pretax return on assets | 0.4006% | 5,288 |
| Return on Equity (ROE) | 5.0590% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.0590% | 3,124 |
| Net charge-offs to loans | 0.1147% | 4,290 |
| Credit loss provision to net charge-offs | 444.4444% | 944 |
| Earnings coverage of net charge-offs (x) | 11.8889% | 1,611 |
| Efficiency ratio | 86.2468% | 1,771 |
| Assets per employee ($millions) | 2.3634% | 7,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 5,731 |
| Loan loss allowance to noncurrent loans | 57.6052% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.2769% | 4,620 |
| Noncurrent loans to loans | 2.0085% | 3,781 |
| Net loans and leases to total assets | 45.9591% | 6,833 |
| Net loans and leases to deposits | 50.1071% | 7,117 |
| Net loans and leases to core deposits | 55.0940% | 7,042 |
| Total domestic deposits to total assets | 91.7218% | 315 |
| Equity capital to assets | 8.0606% | 6,588 |
| Core capital (leverage) ratio | 7.6763% | 6,650 |
| Tier 1 risk-based capital ratio | 14.5431% | 3,353 |
| Total risk-based capital ratio | 15.5518% | 3,454 |
| Memoranda: | ||
| Average total assets | $66,903,500 | 6,141 |
| Average earning assets | $63,180,500 | 6,047 |
| Average equity | $5,297,500 | 6,742 |
| Average total loans | $31,378,000 | 6,550 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 5,898 |
| Cost of funding earning assets | 1.2351% | 6,527 |
| Net interest margin | 3.9103% | 3,227 |
| Noninterest income to average assets | 1.0195% | 1,506 |
| Noninterest expense to average assets | 4.1268% | 1,188 |
| Loan and lease loss provision to assets | 0.2390% | 5,463 |
| Net operating income to assets | 0.3674% | 4,260 |
| Return on assets (ROA) | 0.3674% | 4,359 |
| Pretax return on assets | 0.3674% | 4,589 |
| Return on Equity (ROE) | 4.7232% | 3,791 |
| Retained earnings to average equity (ytd only) | 2.9212% | 3,124 |
| Net charge-offs to loans | 0.4641% | 3,926 |
| Credit loss provision to net charge-offs | 111.7241% | 4,915 |
| Earnings coverage of net charge-offs (x) | 2.8345% | 3,672 |
| Efficiency ratio | 87.1883% | 1,970 |
| Assets per employee ($millions) | 2.4155% | 7,335 |
| Cash dividends to net income (ytd only)* | 38.1526% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 6,283 |
| Loan loss allowance to noncurrent loans | 59.5238% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.1429% | 4,807 |
| Noncurrent loans to loans | 1.7069% | 4,080 |
| Net loans and leases to total assets | 46.8144% | 6,909 |
| Net loans and leases to deposits | 50.8316% | 7,211 |
| Net loans and leases to core deposits | 63.8102% | 7,100 |
| Total domestic deposits to total assets | 92.0971% | 245 |
| Equity capital to assets | 7.7787% | 6,788 |
| Core capital (leverage) ratio | 7.4140% | 6,872 |
| Tier 1 risk-based capital ratio | 13.8499% | 3,599 |
| Total risk-based capital ratio | 14.7384% | 3,777 |
| Memoranda: | ||
| Average total assets | $67,776,000 | 6,086 |
| Average earning assets | $64,369,000 | 5,983 |
| Average equity | $5,271,800 | 6,847 |
| Average total loans | $31,242,000 | 6,567 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 5,728 |
| Cost of funding earning assets | 1.2842% | 6,604 |
| Net interest margin | 3.9560% | 3,009 |
| Noninterest income to average assets | 1.0047% | 1,595 |
| Noninterest expense to average assets | 4.2293% | 1,002 |
| Loan and lease loss provision to assets | 0.0629% | 6,730 |
| Net operating income to assets | 0.4739% | 4,102 |
| Return on assets (ROA) | 0.4739% | 4,202 |
| Pretax return on assets | 0.4739% | 4,597 |
| Return on Equity (ROE) | 6.0921% | 3,490 |
| Retained earnings to average equity (ytd only) | 4.1962% | 2,932 |
| Net charge-offs to loans | 0.2147% | 4,688 |
| Credit loss provision to net charge-offs | 64.0000% | 6,108 |
| Earnings coverage of net charge-offs (x) | 5.4596% | 2,816 |
| Efficiency ratio | 88.7376% | 1,801 |
| Assets per employee ($millions) | 2.4430% | 7,314 |
| Cash dividends to net income (ytd only)* | 31.1207% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,754 |
| Loan loss allowance to noncurrent loans | 34.6476% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 1.2236% | 4,622 |
| Noncurrent loans to loans | 2.6011% | 2,900 |
| Net loans and leases to total assets | 46.6179% | 7,061 |
| Net loans and leases to deposits | 50.7973% | 7,372 |
| Net loans and leases to core deposits | 63.0866% | 7,283 |
| Total domestic deposits to total assets | 91.7725% | 209 |
| Equity capital to assets | 7.7684% | 7,067 |
| Core capital (leverage) ratio | 7.4029% | 7,077 |
| Tier 1 risk-based capital ratio | 13.9871% | 3,562 |
| Total risk-based capital ratio | 14.7858% | 3,757 |
| Memoranda: | ||
| Average total assets | $67,811,750 | 6,114 |
| Average earning assets | $64,474,250 | 6,019 |
| Average equity | $5,274,500 | 6,913 |
| Average total loans | $31,055,750 | 6,627 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 5,681 |
| Cost of funding earning assets | 1.3609% | 6,619 |
| Net interest margin | 3.9333% | 2,964 |
| Noninterest income to average assets | 0.9791% | 1,663 |
| Noninterest expense to average assets | 4.2476% | 1,012 |
| Loan and lease loss provision to assets | 0.0532% | 6,694 |
| Net operating income to assets | 0.4141% | 4,451 |
| Return on assets (ROA) | 0.4141% | 4,559 |
| Pretax return on assets | 0.4141% | 4,894 |
| Return on Equity (ROE) | 5.3218% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.4212% | 3,418 |
| Net charge-offs to loans | 0.0847% | 5,361 |
| Credit loss provision to net charge-offs | 138.4615% | 3,376 |
| Earnings coverage of net charge-offs (x) | 12.1538% | 1,843 |
| Efficiency ratio | 90.0878% | 1,800 |
| Assets per employee ($millions) | 2.4566% | 7,331 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 6,121 |
| Loan loss allowance to noncurrent loans | 40.4916% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4509% | 4,072 |
| Noncurrent loans to loans | 2.5052% | 2,887 |
| Net loans and leases to total assets | 44.4042% | 7,301 |
| Net loans and leases to deposits | 48.2596% | 7,556 |
| Net loans and leases to core deposits | 59.4072% | 7,471 |
| Total domestic deposits to total assets | 92.0112% | 210 |
| Equity capital to assets | 7.6355% | 7,147 |
| Core capital (leverage) ratio | 7.2479% | 7,308 |
| Tier 1 risk-based capital ratio | 13.8544% | 3,601 |
| Total risk-based capital ratio | 14.7214% | 3,770 |
| Memoranda: | ||
| Average total assets | $67,614,000 | 6,167 |
| Average earning assets | $64,220,330 | 6,068 |
| Average equity | $5,261,330 | 6,979 |
| Average total loans | $30,681,330 | 6,694 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3615% | 5,607 |
| Cost of funding earning assets | 1.3954% | 6,750 |
| Net interest margin | 3.9662% | 2,794 |
| Noninterest income to average assets | 0.9429% | 1,677 |
| Noninterest expense to average assets | 4.1654% | 982 |
| Loan and lease loss provision to assets | 0.0537% | 6,295 |
| Net operating income to assets | 0.4893% | 4,473 |
| Return on assets (ROA) | 0.4893% | 4,663 |
| Pretax return on assets | 0.4893% | 5,109 |
| Return on Equity (ROE) | 6.2286% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.3297% | 3,503 |
| Net charge-offs to loans | 0.0392% | 4,950 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,043 |
| Efficiency ratio | 88.4664% | 1,853 |
| Assets per employee ($millions) | 2.3467% | 7,531 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 5,993 |
| Loan loss allowance to noncurrent loans | 73.7089% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9199% | 4,891 |
| Noncurrent loans to loans | 1.3901% | 4,228 |
| Net loans and leases to total assets | 44.5711% | 7,296 |
| Net loans and leases to deposits | 48.4297% | 7,561 |
| Net loans and leases to core deposits | 59.8146% | 7,464 |
| Total domestic deposits to total assets | 92.0327% | 182 |
| Equity capital to assets | 7.7351% | 7,145 |
| Core capital (leverage) ratio | 7.3862% | 7,287 |
| Tier 1 risk-based capital ratio | 14.0973% | 3,527 |
| Total risk-based capital ratio | 14.9881% | 3,646 |
| Memoranda: | ||
| Average total assets | $67,029,000 | 6,214 |
| Average earning assets | $63,638,500 | 6,121 |
| Average equity | $5,266,000 | 7,028 |
| Average total loans | $30,594,000 | 6,731 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9380% | 5,865 |
| Cost of funding earning assets | 1.8851% | 6,775 |
| Net interest margin | 4.0529% | 2,904 |
| Noninterest income to average assets | 1.1035% | 1,290 |
| Noninterest expense to average assets | 4.4515% | 907 |
| Loan and lease loss provision to assets | 0.0704% | 6,517 |
| Net operating income to assets | 0.4179% | 5,083 |
| Return on assets (ROA) | 0.4179% | 4,896 |
| Pretax return on assets | 0.4179% | 5,209 |
| Return on Equity (ROE) | 5.3067% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.3192% | 3,084 |
| Net charge-offs to loans | 0.1287% | 4,947 |
| Credit loss provision to net charge-offs | 112.5000% | 4,790 |
| Earnings coverage of net charge-offs (x) | 7.8000% | 3,021 |
| Efficiency ratio | 90.1141% | 1,509 |
| Assets per employee ($millions) | 2.2002% | 7,710 |
| Cash dividends to net income (ytd only)* | 37.4532% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 5,958 |
| Loan loss allowance to noncurrent loans | 56.2044% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 1.2317% | 3,760 |
| Noncurrent loans to loans | 1.7943% | 3,070 |
| Net loans and leases to total assets | 45.8056% | 7,348 |
| Net loans and leases to deposits | 49.8582% | 7,632 |
| Net loans and leases to core deposits | 57.3820% | 7,692 |
| Total domestic deposits to total assets | 91.8718% | 153 |
| Equity capital to assets | 7.9812% | 6,873 |
| Core capital (leverage) ratio | 7.5506% | 7,142 |
| Tier 1 risk-based capital ratio | 14.0874% | 3,504 |
| Total risk-based capital ratio | 14.9709% | 3,604 |
| Memoranda: | ||
| Average total assets | $63,888,200 | 6,236 |
| Average earning assets | $60,475,000 | 6,153 |
| Average equity | $5,031,400 | 7,136 |
| Average total loans | $31,073,000 | 6,647 |