Home > The Fayette County National Bank of Fayetteville > Performance and Condition Ratios
The Fayette County National Bank of Fayetteville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7371% | 4,246 |
| Cost of funding earning assets | 1.1601% | 2,911 |
| Net interest margin | 2.5770% | 3,999 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.1567% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5694% | 3,516 |
| Return on assets (ROA) | 0.5274% | 3,596 |
| Pretax return on assets | 0.6513% | 3,533 |
| Return on Equity (ROE) | 11.5600% | 2,074 |
| Retained earnings to average equity (ytd only) | 3.9128% | 2,991 |
| Net charge-offs to loans | 0.0146% | 2,114 |
| Credit loss provision to net charge-offs | 30.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 101.9000% | 894 |
| Efficiency ratio | 75.3567% | 1,315 |
| Assets per employee ($millions) | 5.3394% | 3,360 |
| Cash dividends to net income (ytd only)* | 66.1417% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,309 |
| Loan loss allowance to noncurrent loans | 202.1687% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 1,733 |
| Noncurrent loans to loans | 0.5925% | 1,331 |
| Net loans and leases to total assets | 48.0100% | 3,726 |
| Net loans and leases to deposits | 50.8128% | 3,921 |
| Net loans and leases to core deposits | 51.7072% | 4,037 |
| Total domestic deposits to total assets | 94.4800% | 81 |
| Equity capital to assets | 5.1330% | 4,391 |
| Core capital (leverage) ratio | 9.4980% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0738% | 473 |
| Memoranda: | ||
| Average total assets | $144,483,200 | 3,416 |
| Average earning assets | $138,959,000 | 3,356 |
| Average equity | $6,593,800 | 4,098 |
| Average total loans | $68,627,000 | 3,572 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 4,231 |
| Cost of funding earning assets | 1.0840% | 2,789 |
| Net interest margin | 2.5963% | 4,037 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.1462% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6057% | 3,534 |
| Return on assets (ROA) | 0.5654% | 3,620 |
| Pretax return on assets | 0.6733% | 3,600 |
| Return on Equity (ROE) | 12.7900% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.2830% | 1,326 |
| Net charge-offs to loans | 0.0215% | 1,678 |
| Credit loss provision to net charge-offs | 27.2727% | 1,983 |
| Earnings coverage of net charge-offs (x) | 71.3636% | 1,103 |
| Efficiency ratio | 74.7751% | 1,294 |
| Assets per employee ($millions) | 5.3944% | 3,266 |
| Cash dividends to net income (ytd only)* | 19.5759% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,387 |
| Loan loss allowance to noncurrent loans | 147.2759% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 1,475 |
| Noncurrent loans to loans | 0.8124% | 1,018 |
| Net loans and leases to total assets | 47.5100% | 3,764 |
| Net loans and leases to deposits | 49.7394% | 3,947 |
| Net loans and leases to core deposits | 50.8341% | 4,017 |
| Total domestic deposits to total assets | 95.5200% | 96 |
| Equity capital to assets | 4.2479% | 4,377 |
| Core capital (leverage) ratio | 9.6295% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1028% | 484 |
| Memoranda: | ||
| Average total assets | $144,562,750 | 3,420 |
| Average earning assets | $138,860,000 | 3,366 |
| Average equity | $6,392,250 | 4,125 |
| Average total loans | $68,272,000 | 3,588 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 4,223 |
| Cost of funding earning assets | 1.0123% | 2,564 |
| Net interest margin | 2.6152% | 4,095 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.1262% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6433% | 3,478 |
| Return on assets (ROA) | 0.5908% | 3,607 |
| Pretax return on assets | 0.6879% | 3,626 |
| Return on Equity (ROE) | 13.1900% | 1,863 |
| Retained earnings to average equity (ytd only) | 9.4727% | 1,558 |
| Net charge-offs to loans | 0.0148% | 1,645 |
| Credit loss provision to net charge-offs | 40.0000% | 1,713 |
| Earnings coverage of net charge-offs (x) | 108.4000% | 891 |
| Efficiency ratio | 73.8795% | 1,358 |
| Assets per employee ($millions) | 5.1854% | 3,424 |
| Cash dividends to net income (ytd only)* | 28.1690% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,332 |
| Loan loss allowance to noncurrent loans | 173.8144% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 1,583 |
| Noncurrent loans to loans | 0.7032% | 1,058 |
| Net loans and leases to total assets | 46.9200% | 3,747 |
| Net loans and leases to deposits | 49.9553% | 3,918 |
| Net loans and leases to core deposits | 50.7026% | 3,997 |
| Total domestic deposits to total assets | 93.9300% | 155 |
| Equity capital to assets | 4.5168% | 4,442 |
| Core capital (leverage) ratio | 9.5739% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1119% | 479 |
| Memoranda: | ||
| Average total assets | $144,200,667 | 3,436 |
| Average earning assets | $138,496,000 | 3,380 |
| Average equity | $6,460,667 | 4,141 |
| Average total loans | $67,683,333 | 3,600 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5091% | 4,250 |
| Cost of funding earning assets | 0.9852% | 2,097 |
| Net interest margin | 2.5239% | 4,283 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.1767% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4047% | 4,082 |
| Return on assets (ROA) | 0.3145% | 4,192 |
| Pretax return on assets | 0.4259% | 4,093 |
| Return on Equity (ROE) | 7.0500% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.0493% | 2,479 |
| Net charge-offs to loans | -0.0179% | 4,061 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.1230% | 825 |
| Assets per employee ($millions) | 5.1287% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,212 |
| Loan loss allowance to noncurrent loans | 164.2166% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 1,430 |
| Noncurrent loans to loans | 0.7706% | 1,002 |
| Net loans and leases to total assets | 46.1300% | 3,770 |
| Net loans and leases to deposits | 48.9832% | 3,930 |
| Net loans and leases to core deposits | 49.6076% | 4,004 |
| Total domestic deposits to total assets | 94.1700% | 152 |
| Equity capital to assets | 4.5876% | 4,479 |
| Core capital (leverage) ratio | 9.5358% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1168% | 495 |
| Memoranda: | ||
| Average total assets | $143,705,000 | 3,484 |
| Average earning assets | $138,041,000 | 3,431 |
| Average equity | $6,412,000 | 4,204 |
| Average total loans | $67,040,500 | 3,655 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3261% | 3,523 |
| Cost of funding earning assets | 0.4079% | 2,024 |
| Net interest margin | 2.9183% | 3,640 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.1321% | 3,209 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7599% | 3,457 |
| Return on assets (ROA) | 0.7373% | 3,458 |
| Pretax return on assets | 0.9331% | 3,263 |
| Return on Equity (ROE) | 12.8000% | 1,878 |
| Retained earnings to average equity (ytd only) | 7.9717% | 1,844 |
| Net charge-offs to loans | -0.0247% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.3129% | 1,926 |
| Assets per employee ($millions) | 5.5310% | 3,184 |
| Cash dividends to net income (ytd only)* | 37.7428% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 2,106 |
| Loan loss allowance to noncurrent loans | 165.9449% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 1,453 |
| Noncurrent loans to loans | 0.7583% | 990 |
| Net loans and leases to total assets | 46.0000% | 3,800 |
| Net loans and leases to deposits | 48.1901% | 3,971 |
| Net loans and leases to core deposits | 48.9735% | 4,019 |
| Total domestic deposits to total assets | 95.4600% | 108 |
| Equity capital to assets | 4.3364% | 4,478 |
| Core capital (leverage) ratio | 9.2692% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9260% | 485 |
| Memoranda: | ||
| Average total assets | $146,614,800 | 3,475 |
| Average earning assets | $140,734,000 | 3,411 |
| Average equity | $8,442,400 | 4,055 |
| Average total loans | $64,679,000 | 3,662 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 3,316 |
| Cost of funding earning assets | 0.2998% | 2,173 |
| Net interest margin | 2.9470% | 3,366 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.1332% | 3,120 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7826% | 3,320 |
| Return on assets (ROA) | 0.7612% | 3,328 |
| Pretax return on assets | 0.9720% | 3,105 |
| Return on Equity (ROE) | 12.4700% | 1,882 |
| Retained earnings to average equity (ytd only) | 12.1115% | 770 |
| Net charge-offs to loans | -0.0478% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.7104% | 2,067 |
| Assets per employee ($millions) | 6.0880% | 2,681 |
| Cash dividends to net income (ytd only)* | 2.8537% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,249 |
| Loan loss allowance to noncurrent loans | 142.8571% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3817% | 1,416 |
| Noncurrent loans to loans | 0.8768% | 897 |
| Net loans and leases to total assets | 42.9900% | 3,937 |
| Net loans and leases to deposits | 45.1586% | 4,062 |
| Net loans and leases to core deposits | 45.7256% | 4,125 |
| Total domestic deposits to total assets | 95.2100% | 197 |
| Equity capital to assets | 4.2293% | 4,448 |
| Core capital (leverage) ratio | 9.2593% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2131% | 478 |
| Memoranda: | ||
| Average total assets | $147,316,750 | 3,496 |
| Average earning assets | $141,427,500 | 3,431 |
| Average equity | $8,994,000 | 4,036 |
| Average total loans | $64,100,250 | 3,689 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1632% | 3,154 |
| Cost of funding earning assets | 0.2330% | 2,468 |
| Net interest margin | 2.9302% | 3,087 |
| Noninterest income to average assets | 0.3212% | 3,251 |
| Noninterest expense to average assets | 2.1663% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7697% | 3,067 |
| Return on assets (ROA) | 0.7372% | 3,145 |
| Pretax return on assets | 0.9280% | 2,971 |
| Return on Equity (ROE) | 10.9076% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.4201% | 919 |
| Net charge-offs to loans | -0.0884% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0893% | 2,089 |
| Assets per employee ($millions) | 5.5102% | 3,215 |
| Cash dividends to net income (ytd only)* | 4.4693% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,405 |
| Loan loss allowance to noncurrent loans | 137.6689% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 1,341 |
| Noncurrent loans to loans | 0.9125% | 918 |
| Net loans and leases to total assets | 43.0603% | 3,901 |
| Net loans and leases to deposits | 46.4497% | 4,004 |
| Net loans and leases to core deposits | 47.0626% | 4,082 |
| Total domestic deposits to total assets | 92.7031% | 586 |
| Equity capital to assets | 4.9222% | 4,491 |
| Core capital (leverage) ratio | 9.2473% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5302% | 446 |
| Memoranda: | ||
| Average total assets | $145,689,000 | 3,542 |
| Average earning assets | $139,921,667 | 3,491 |
| Average equity | $9,846,333 | 4,013 |
| Average total loans | $63,378,000 | 3,735 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0730% | 3,051 |
| Cost of funding earning assets | 0.2144% | 2,605 |
| Net interest margin | 2.8586% | 2,962 |
| Noninterest income to average assets | 0.3025% | 3,302 |
| Noninterest expense to average assets | 2.3032% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5854% | 3,441 |
| Return on assets (ROA) | 0.5328% | 3,587 |
| Pretax return on assets | 0.7076% | 3,373 |
| Return on Equity (ROE) | 6.9139% | 3,062 |
| Retained earnings to average equity (ytd only) | 6.9139% | 1,918 |
| Net charge-offs to loans | -0.0255% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8422% | 1,649 |
| Assets per employee ($millions) | 4.8012% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,547 |
| Loan loss allowance to noncurrent loans | 139.5062% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 1,488 |
| Noncurrent loans to loans | 0.9028% | 1,022 |
| Net loans and leases to total assets | 41.6641% | 3,902 |
| Net loans and leases to deposits | 44.6798% | 4,033 |
| Net loans and leases to core deposits | 45.2646% | 4,106 |
| Total domestic deposits to total assets | 93.2504% | 213 |
| Equity capital to assets | 6.5736% | 4,398 |
| Core capital (leverage) ratio | 9.2940% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5071% | 399 |
| Memoranda: | ||
| Average total assets | $144,146,000 | 3,576 |
| Average earning assets | $139,929,000 | 3,504 |
| Average equity | $11,108,000 | 3,946 |
| Average total loans | $62,628,000 | 3,750 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 2,559 |
| Cost of funding earning assets | 0.2302% | 3,130 |
| Net interest margin | 3.3041% | 2,305 |
| Noninterest income to average assets | 0.3947% | 3,077 |
| Noninterest expense to average assets | 2.4463% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8976% | 3,055 |
| Return on assets (ROA) | 0.8871% | 3,154 |
| Pretax return on assets | 1.1216% | 2,902 |
| Return on Equity (ROE) | 8.9779% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.1811% | 2,717 |
| Net charge-offs to loans | -0.0111% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3108% | 1,939 |
| Assets per employee ($millions) | 4.8088% | 3,879 |
| Cash dividends to net income (ytd only)* | 42.2907% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,566 |
| Loan loss allowance to noncurrent loans | 124.3286% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6461% | 1,010 |
| Noncurrent loans to loans | 1.0136% | 972 |
| Net loans and leases to total assets | 44.2196% | 3,824 |
| Net loans and leases to deposits | 49.2532% | 3,928 |
| Net loans and leases to core deposits | 50.2870% | 4,002 |
| Total domestic deposits to total assets | 89.7801% | 1,072 |
| Equity capital to assets | 8.9148% | 3,710 |
| Core capital (leverage) ratio | 9.1268% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,947,800 | 3,705 |
| Average earning assets | $123,391,000 | 3,644 |
| Average equity | $12,642,200 | 3,863 |
| Average total loans | $63,253,200 | 3,771 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 2,604 |
| Cost of funding earning assets | 0.2194% | 3,430 |
| Net interest margin | 3.3621% | 2,262 |
| Noninterest income to average assets | 0.3912% | 3,142 |
| Noninterest expense to average assets | 2.4903% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9051% | 3,229 |
| Return on assets (ROA) | 0.9051% | 3,307 |
| Pretax return on assets | 1.1353% | 3,118 |
| Return on Equity (ROE) | 8.9168% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.9086% | 2,084 |
| Net charge-offs to loans | 0.0021% | 2,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,065.0000% | 156 |
| Efficiency ratio | 68.6857% | 1,736 |
| Assets per employee ($millions) | 5.0786% | 3,626 |
| Cash dividends to net income (ytd only)* | 11.3074% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,810 |
| Loan loss allowance to noncurrent loans | 130.0501% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 1,300 |
| Noncurrent loans to loans | 0.9518% | 1,208 |
| Net loans and leases to total assets | 42.2026% | 4,076 |
| Net loans and leases to deposits | 47.1211% | 4,164 |
| Net loans and leases to core deposits | 48.0578% | 4,236 |
| Total domestic deposits to total assets | 89.5621% | 979 |
| Equity capital to assets | 8.8838% | 3,936 |
| Core capital (leverage) ratio | 9.2677% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,071,250 | 3,779 |
| Average earning assets | $120,318,500 | 3,719 |
| Average equity | $12,694,750 | 3,911 |
| Average total loans | $63,453,250 | 3,823 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 2,238 |
| Cost of funding earning assets | 0.2222% | 3,538 |
| Net interest margin | 3.5153% | 1,817 |
| Noninterest income to average assets | 0.4045% | 3,092 |
| Noninterest expense to average assets | 2.5937% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9994% | 2,882 |
| Return on assets (ROA) | 0.9994% | 2,965 |
| Pretax return on assets | 1.1983% | 2,917 |
| Return on Equity (ROE) | 9.3593% | 2,992 |
| Retained earnings to average equity (ytd only) | 7.8313% | 2,140 |
| Net charge-offs to loans | 0.0472% | 1,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,093 |
| Efficiency ratio | 68.3998% | 1,829 |
| Assets per employee ($millions) | 4.4321% | 4,154 |
| Cash dividends to net income (ytd only)* | 16.3265% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,980 |
| Loan loss allowance to noncurrent loans | 96.5909% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 1,022 |
| Noncurrent loans to loans | 1.2348% | 967 |
| Net loans and leases to total assets | 49.3079% | 3,626 |
| Net loans and leases to deposits | 55.3256% | 3,766 |
| Net loans and leases to core deposits | 56.5938% | 3,855 |
| Total domestic deposits to total assets | 89.1232% | 1,218 |
| Equity capital to assets | 9.8700% | 2,983 |
| Core capital (leverage) ratio | 10.8820% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,668,333 | 3,885 |
| Average earning assets | $113,390,333 | 3,817 |
| Average equity | $12,565,000 | 3,937 |
| Average total loans | $63,626,000 | 3,839 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8867% | 1,859 |
| Cost of funding earning assets | 0.2367% | 3,591 |
| Net interest margin | 3.6500% | 1,449 |
| Noninterest income to average assets | 0.3920% | 3,128 |
| Noninterest expense to average assets | 2.5411% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2188% | 2,073 |
| Return on assets (ROA) | 1.2188% | 2,159 |
| Pretax return on assets | 1.3685% | 2,374 |
| Return on Equity (ROE) | 10.9401% | 2,382 |
| Retained earnings to average equity (ytd only) | 10.9401% | 1,415 |
| Net charge-offs to loans | 0.0189% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 532 |
| Efficiency ratio | 64.9954% | 2,354 |
| Assets per employee ($millions) | 3.8145% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,811 |
| Loan loss allowance to noncurrent loans | 74.9277% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 1,004 |
| Noncurrent loans to loans | 1.6297% | 747 |
| Net loans and leases to total assets | 53.1531% | 3,328 |
| Net loans and leases to deposits | 60.4333% | 3,449 |
| Net loans and leases to core deposits | 61.9602% | 3,572 |
| Total domestic deposits to total assets | 87.9534% | 1,867 |
| Equity capital to assets | 10.4703% | 2,295 |
| Core capital (leverage) ratio | 11.5427% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,237,000 | 3,950 |
| Average earning assets | $108,164,500 | 3,895 |
| Average equity | $12,504,500 | 3,952 |
| Average total loans | $63,368,500 | 3,861 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 1,911 |
| Cost of funding earning assets | 0.3275% | 3,989 |
| Net interest margin | 3.9571% | 1,068 |
| Noninterest income to average assets | 0.5256% | 2,525 |
| Noninterest expense to average assets | 2.9538% | 1,536 |
| Loan and lease loss provision to assets | 0.0240% | 4,099 |
| Net operating income to assets | 1.0118% | 2,252 |
| Return on assets (ROA) | 1.0118% | 2,394 |
| Pretax return on assets | 1.3558% | 1,797 |
| Return on Equity (ROE) | 8.4079% | 2,647 |
| Retained earnings to average equity (ytd only) | 4.6710% | 2,435 |
| Net charge-offs to loans | -0.0222% | 4,453 |
| Credit loss provision to net charge-offs | -178.5714% | 3,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1596% | 2,218 |
| Assets per employee ($millions) | 3.4266% | 4,679 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,768 |
| Loan loss allowance to noncurrent loans | 77.6119% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9913% | 961 |
| Noncurrent loans to loans | 1.5925% | 828 |
| Net loans and leases to total assets | 58.6745% | 3,013 |
| Net loans and leases to deposits | 66.8781% | 3,197 |
| Net loans and leases to core deposits | 68.7648% | 3,348 |
| Total domestic deposits to total assets | 87.7336% | 1,596 |
| Equity capital to assets | 11.8880% | 1,628 |
| Core capital (leverage) ratio | 11.2360% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,069,000 | 3,943 |
| Average earning assets | $100,148,000 | 3,893 |
| Average equity | $12,524,000 | 3,915 |
| Average total loans | $63,090,400 | 3,863 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 2,102 |
| Cost of funding earning assets | 0.3339% | 4,130 |
| Net interest margin | 3.9635% | 1,201 |
| Noninterest income to average assets | 0.5023% | 2,610 |
| Noninterest expense to average assets | 2.8191% | 1,922 |
| Loan and lease loss provision to assets | 0.0222% | 4,048 |
| Net operating income to assets | 1.1423% | 1,846 |
| Return on assets (ROA) | 1.1423% | 1,961 |
| Pretax return on assets | 1.4681% | 1,519 |
| Return on Equity (ROE) | 9.4626% | 2,219 |
| Retained earnings to average equity (ytd only) | 8.4385% | 1,154 |
| Net charge-offs to loans | 0.0254% | 2,325 |
| Credit loss provision to net charge-offs | 141.6667% | 2,374 |
| Earnings coverage of net charge-offs (x) | 96.4167% | 814 |
| Efficiency ratio | 65.4214% | 2,533 |
| Assets per employee ($millions) | 3.8391% | 4,445 |
| Cash dividends to net income (ytd only)* | 10.8230% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,856 |
| Loan loss allowance to noncurrent loans | 77.9519% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8726% | 1,326 |
| Noncurrent loans to loans | 1.4974% | 956 |
| Net loans and leases to total assets | 54.8418% | 3,729 |
| Net loans and leases to deposits | 63.0816% | 3,857 |
| Net loans and leases to core deposits | 64.2364% | 4,004 |
| Total domestic deposits to total assets | 86.9379% | 1,689 |
| Equity capital to assets | 11.2639% | 2,180 |
| Core capital (leverage) ratio | 11.6705% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,530,000 | 3,946 |
| Average earning assets | $99,437,250 | 3,900 |
| Average equity | $12,498,000 | 3,921 |
| Average total loans | $63,086,250 | 3,880 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 2,193 |
| Cost of funding earning assets | 0.3687% | 4,180 |
| Net interest margin | 4.0370% | 1,247 |
| Noninterest income to average assets | 0.4977% | 2,579 |
| Noninterest expense to average assets | 2.8560% | 1,958 |
| Loan and lease loss provision to assets | 0.0040% | 4,115 |
| Net operating income to assets | 1.1821% | 1,689 |
| Return on assets (ROA) | 1.1821% | 1,823 |
| Pretax return on assets | 1.5274% | 1,398 |
| Return on Equity (ROE) | 9.5464% | 2,126 |
| Retained earnings to average equity (ytd only) | 7.9905% | 1,311 |
| Net charge-offs to loans | -0.0223% | 4,437 |
| Credit loss provision to net charge-offs | -28.5714% | 3,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0961% | 2,646 |
| Assets per employee ($millions) | 3.5007% | 4,659 |
| Cash dividends to net income (ytd only)* | 16.2988% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,695 |
| Loan loss allowance to noncurrent loans | 42.7838% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.7149% | 485 |
| Noncurrent loans to loans | 2.7259% | 395 |
| Net loans and leases to total assets | 60.5197% | 3,263 |
| Net loans and leases to deposits | 69.0799% | 3,491 |
| Net loans and leases to core deposits | 70.0660% | 3,699 |
| Total domestic deposits to total assets | 87.6083% | 1,374 |
| Equity capital to assets | 12.0898% | 1,609 |
| Core capital (leverage) ratio | 11.9736% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,649,000 | 3,997 |
| Average earning assets | $96,012,000 | 3,939 |
| Average equity | $12,339,667 | 3,941 |
| Average total loans | $62,812,000 | 3,897 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 2,344 |
| Cost of funding earning assets | 0.4201% | 4,284 |
| Net interest margin | 4.0679% | 1,202 |
| Noninterest income to average assets | 0.5033% | 2,534 |
| Noninterest expense to average assets | 2.8300% | 2,342 |
| Loan and lease loss provision to assets | 0.0041% | 3,690 |
| Net operating income to assets | 1.3077% | 1,227 |
| Return on assets (ROA) | 1.3077% | 1,323 |
| Pretax return on assets | 1.5841% | 1,103 |
| Return on Equity (ROE) | 10.4268% | 1,602 |
| Retained earnings to average equity (ytd only) | 10.4268% | 658 |
| Net charge-offs to loans | -0.0193% | 4,327 |
| Credit loss provision to net charge-offs | -33.3333% | 3,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0523% | 3,228 |
| Assets per employee ($millions) | 3.2931% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,662 |
| Loan loss allowance to noncurrent loans | 79.0032% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 1,442 |
| Noncurrent loans to loans | 1.5210% | 1,053 |
| Net loans and leases to total assets | 60.0039% | 3,489 |
| Net loans and leases to deposits | 68.9025% | 3,666 |
| Net loans and leases to core deposits | 70.2732% | 3,863 |
| Total domestic deposits to total assets | 87.0853% | 1,525 |
| Equity capital to assets | 12.1712% | 1,946 |
| Core capital (leverage) ratio | 12.6905% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,962,500 | 4,034 |
| Average earning assets | $93,316,000 | 3,980 |
| Average equity | $12,161,000 | 3,978 |
| Average total loans | $62,063,500 | 3,924 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 2,074 |
| Cost of funding earning assets | 0.4247% | 4,361 |
| Net interest margin | 4.3648% | 958 |
| Noninterest income to average assets | 0.5491% | 2,485 |
| Noninterest expense to average assets | 3.2636% | 1,378 |
| Loan and lease loss provision to assets | 0.0616% | 2,804 |
| Net operating income to assets | 1.1117% | 2,394 |
| Return on assets (ROA) | 1.1004% | 2,544 |
| Pretax return on assets | 1.4162% | 2,097 |
| Return on Equity (ROE) | 8.5652% | 2,919 |
| Retained earnings to average equity (ytd only) | 4.5567% | 2,678 |
| Net charge-offs to loans | 0.0752% | 2,019 |
| Credit loss provision to net charge-offs | 119.1489% | 2,124 |
| Earnings coverage of net charge-offs (x) | 28.8511% | 1,618 |
| Efficiency ratio | 68.6256% | 2,368 |
| Assets per employee ($millions) | 2.8700% | 4,875 |
| Cash dividends to net income (ytd only)* | 46.8000% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,473 |
| Loan loss allowance to noncurrent loans | 75.2284% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.0725% | 1,156 |
| Noncurrent loans to loans | 1.5855% | 890 |
| Net loans and leases to total assets | 66.8402% | 2,856 |
| Net loans and leases to deposits | 77.0803% | 3,086 |
| Net loans and leases to core deposits | 78.5208% | 3,415 |
| Total domestic deposits to total assets | 86.7149% | 1,748 |
| Equity capital to assets | 12.9541% | 1,554 |
| Core capital (leverage) ratio | 12.3717% | 1,556 |
| Tier 1 risk-based capital ratio | 24.9407% | 753 |
| Total risk-based capital ratio | 26.1933% | 740 |
| Memoranda: | ||
| Average total assets | $90,880,000 | 4,134 |
| Average earning assets | $87,587,000 | 4,072 |
| Average equity | $11,675,200 | 4,038 |
| Average total loans | $62,517,800 | 3,938 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 2,133 |
| Cost of funding earning assets | 0.4062% | 4,483 |
| Net interest margin | 4.3886% | 972 |
| Noninterest income to average assets | 0.5457% | 2,483 |
| Noninterest expense to average assets | 3.0552% | 1,811 |
| Loan and lease loss provision to assets | 0.0074% | 3,738 |
| Net operating income to assets | 1.3316% | 1,718 |
| Return on assets (ROA) | 1.3165% | 1,864 |
| Pretax return on assets | 1.6916% | 1,359 |
| Return on Equity (ROE) | 10.2696% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.1681% | 999 |
| Net charge-offs to loans | 0.0021% | 3,366 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 1,170.8947% | 73 |
| Efficiency ratio | 64.0062% | 3,005 |
| Assets per employee ($millions) | 3.0395% | 4,869 |
| Cash dividends to net income (ytd only)* | 10.7266% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,702 |
| Loan loss allowance to noncurrent loans | 100.2725% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.0995% | 1,191 |
| Noncurrent loans to loans | 1.1603% | 1,363 |
| Net loans and leases to total assets | 66.3568% | 3,006 |
| Net loans and leases to deposits | 76.5803% | 3,242 |
| Net loans and leases to core deposits | 77.9727% | 3,554 |
| Total domestic deposits to total assets | 86.6499% | 1,712 |
| Equity capital to assets | 12.9309% | 1,669 |
| Core capital (leverage) ratio | 12.7153% | 1,479 |
| Tier 1 risk-based capital ratio | 23.9092% | 852 |
| Total risk-based capital ratio | 25.1609% | 836 |
| Memoranda: | ||
| Average total assets | $90,640,000 | 4,189 |
| Average earning assets | $87,315,000 | 4,127 |
| Average equity | $11,619,750 | 4,083 |
| Average total loans | $62,615,500 | 3,976 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 2,031 |
| Cost of funding earning assets | 0.4043% | 4,489 |
| Net interest margin | 4.4055% | 932 |
| Noninterest income to average assets | 0.5389% | 2,450 |
| Noninterest expense to average assets | 3.1058% | 1,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2641% | 1,897 |
| Return on assets (ROA) | 1.2499% | 2,015 |
| Pretax return on assets | 1.6546% | 1,382 |
| Return on Equity (ROE) | 9.7798% | 2,491 |
| Retained earnings to average equity (ytd only) | 8.1003% | 1,350 |
| Net charge-offs to loans | -0.0128% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9977% | 2,976 |
| Assets per employee ($millions) | 3.0250% | 4,890 |
| Cash dividends to net income (ytd only)* | 17.1735% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 2,698 |
| Loan loss allowance to noncurrent loans | 95.8279% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.1835% | 1,133 |
| Noncurrent loans to loans | 1.2157% | 1,314 |
| Net loans and leases to total assets | 68.7089% | 2,724 |
| Net loans and leases to deposits | 79.2935% | 3,023 |
| Net loans and leases to core deposits | 80.9887% | 3,343 |
| Total domestic deposits to total assets | 86.6514% | 1,746 |
| Equity capital to assets | 13.0291% | 1,573 |
| Core capital (leverage) ratio | 12.9035% | 1,352 |
| Tier 1 risk-based capital ratio | 24.6652% | 786 |
| Total risk-based capital ratio | 25.9178% | 766 |
| Memoranda: | ||
| Average total assets | $89,445,330 | 4,232 |
| Average earning assets | $86,074,000 | 4,175 |
| Average equity | $11,431,670 | 4,117 |
| Average total loans | $62,400,670 | 4,001 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 1,992 |
| Cost of funding earning assets | 0.4073% | 4,454 |
| Net interest margin | 4.3628% | 983 |
| Noninterest income to average assets | 0.4099% | 3,114 |
| Noninterest expense to average assets | 2.9867% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1537% | 2,247 |
| Return on assets (ROA) | 1.1217% | 2,435 |
| Pretax return on assets | 1.5812% | 1,519 |
| Return on Equity (ROE) | 8.8648% | 2,867 |
| Retained earnings to average equity (ytd only) | 8.8648% | 1,366 |
| Net charge-offs to loans | 0.0387% | 1,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 915 |
| Efficiency ratio | 64.8094% | 3,114 |
| Assets per employee ($millions) | 2.8831% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 2,771 |
| Loan loss allowance to noncurrent loans | 72.2388% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.2408% | 1,070 |
| Noncurrent loans to loans | 1.6116% | 982 |
| Net loans and leases to total assets | 68.9622% | 2,626 |
| Net loans and leases to deposits | 79.2570% | 2,923 |
| Net loans and leases to core deposits | 80.9666% | 3,278 |
| Total domestic deposits to total assets | 87.0109% | 1,809 |
| Equity capital to assets | 12.7855% | 1,572 |
| Core capital (leverage) ratio | 12.8345% | 1,348 |
| Tier 1 risk-based capital ratio | 24.7292% | 778 |
| Total risk-based capital ratio | 25.9826% | 770 |
| Memoranda: | ||
| Average total assets | $88,792,500 | 4,284 |
| Average earning assets | $85,449,500 | 4,233 |
| Average equity | $11,235,500 | 4,164 |
| Average total loans | $62,056,500 | 4,046 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 2,128 |
| Cost of funding earning assets | 0.3290% | 4,415 |
| Net interest margin | 4.2711% | 1,220 |
| Noninterest income to average assets | 0.3513% | 3,756 |
| Noninterest expense to average assets | 3.0827% | 1,848 |
| Loan and lease loss provision to assets | 0.0518% | 3,147 |
| Net operating income to assets | 1.0284% | 2,895 |
| Return on assets (ROA) | 1.0110% | 2,940 |
| Pretax return on assets | 1.2985% | 2,506 |
| Return on Equity (ROE) | 8.3700% | 3,285 |
| Retained earnings to average equity (ytd only) | 4.2123% | 3,234 |
| Net charge-offs to loans | 0.0516% | 2,419 |
| Credit loss provision to net charge-offs | 146.8750% | 1,861 |
| Earnings coverage of net charge-offs (x) | 38.9375% | 1,346 |
| Efficiency ratio | 69.1965% | 2,346 |
| Assets per employee ($millions) | 2.9403% | 5,029 |
| Cash dividends to net income (ytd only)* | 49.6732% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,644 |
| Loan loss allowance to noncurrent loans | 68.6036% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.3037% | 975 |
| Noncurrent loans to loans | 1.7279% | 833 |
| Net loans and leases to total assets | 69.1758% | 2,708 |
| Net loans and leases to deposits | 79.2828% | 3,032 |
| Net loans and leases to core deposits | 81.0057% | 3,349 |
| Total domestic deposits to total assets | 87.2520% | 1,663 |
| Equity capital to assets | 12.5201% | 1,568 |
| Core capital (leverage) ratio | 12.3520% | 1,537 |
| Tier 1 risk-based capital ratio | 24.2599% | 805 |
| Total risk-based capital ratio | 25.5123% | 783 |
| Memoranda: | ||
| Average total assets | $90,798,200 | 4,256 |
| Average earning assets | $87,237,000 | 4,200 |
| Average equity | $10,967,800 | 4,163 |
| Average total loans | $62,061,200 | 4,046 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 2,269 |
| Cost of funding earning assets | 0.2992% | 4,524 |
| Net interest margin | 4.2102% | 1,330 |
| Noninterest income to average assets | 0.3645% | 3,694 |
| Noninterest expense to average assets | 2.9044% | 2,291 |
| Loan and lease loss provision to assets | 0.0685% | 2,608 |
| Net operating income to assets | 1.1550% | 2,422 |
| Return on assets (ROA) | 1.1562% | 2,425 |
| Pretax return on assets | 1.4347% | 2,107 |
| Return on Equity (ROE) | 9.6569% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.4878% | 1,425 |
| Net charge-offs to loans | 0.0472% | 2,152 |
| Credit loss provision to net charge-offs | 213.6364% | 1,317 |
| Earnings coverage of net charge-offs (x) | 46.8224% | 1,223 |
| Efficiency ratio | 65.9166% | 2,884 |
| Assets per employee ($millions) | 3.0808% | 4,979 |
| Cash dividends to net income (ytd only)* | 12.1062% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,700 |
| Loan loss allowance to noncurrent loans | 56.8582% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.4272% | 927 |
| Noncurrent loans to loans | 2.0872% | 687 |
| Net loans and leases to total assets | 64.6905% | 3,345 |
| Net loans and leases to deposits | 73.3997% | 3,651 |
| Net loans and leases to core deposits | 74.8519% | 3,888 |
| Total domestic deposits to total assets | 88.1345% | 1,187 |
| Equity capital to assets | 11.6770% | 2,126 |
| Core capital (leverage) ratio | 12.4563% | 1,523 |
| Tier 1 risk-based capital ratio | 24.1881% | 827 |
| Total risk-based capital ratio | 25.4407% | 802 |
| Memoranda: | ||
| Average total assets | $91,445,250 | 4,289 |
| Average earning assets | $87,783,750 | 4,228 |
| Average equity | $10,948,750 | 4,201 |
| Average total loans | $62,138,500 | 4,079 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 2,153 |
| Cost of funding earning assets | 0.2867% | 4,522 |
| Net interest margin | 4.1961% | 1,298 |
| Noninterest income to average assets | 0.4018% | 3,471 |
| Noninterest expense to average assets | 2.9636% | 2,158 |
| Loan and lease loss provision to assets | 0.0755% | 2,386 |
| Net operating income to assets | 1.1415% | 2,427 |
| Return on assets (ROA) | 1.1433% | 2,426 |
| Pretax return on assets | 1.3941% | 2,166 |
| Return on Equity (ROE) | 9.4660% | 2,818 |
| Retained earnings to average equity (ytd only) | 7.7015% | 1,753 |
| Net charge-offs to loans | 0.0613% | 1,731 |
| Credit loss provision to net charge-offs | 178.9474% | 1,405 |
| Earnings coverage of net charge-offs (x) | 34.7895% | 1,393 |
| Efficiency ratio | 66.8838% | 2,843 |
| Assets per employee ($millions) | 2.7037% | 5,259 |
| Cash dividends to net income (ytd only)* | 18.6408% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,867 |
| Loan loss allowance to noncurrent loans | 58.0952% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 815 |
| Noncurrent loans to loans | 2.0195% | 736 |
| Net loans and leases to total assets | 69.1096% | 2,705 |
| Net loans and leases to deposits | 79.2161% | 3,031 |
| Net loans and leases to core deposits | 80.9093% | 3,331 |
| Total domestic deposits to total assets | 87.2419% | 1,744 |
| Equity capital to assets | 12.2772% | 1,680 |
| Core capital (leverage) ratio | 12.2567% | 1,565 |
| Tier 1 risk-based capital ratio | 23.7940% | 855 |
| Total risk-based capital ratio | 25.0462% | 826 |
| Memoranda: | ||
| Average total assets | $90,092,330 | 4,348 |
| Average earning assets | $86,508,670 | 4,285 |
| Average equity | $10,881,000 | 4,250 |
| Average total loans | $62,010,000 | 4,116 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 2,298 |
| Cost of funding earning assets | 0.2760% | 4,537 |
| Net interest margin | 4.0933% | 1,455 |
| Noninterest income to average assets | 0.3491% | 3,807 |
| Noninterest expense to average assets | 2.7262% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3167% | 1,587 |
| Return on assets (ROA) | 1.3167% | 1,595 |
| Pretax return on assets | 1.5553% | 1,513 |
| Return on Equity (ROE) | 10.9917% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.9917% | 899 |
| Net charge-offs to loans | 0.0129% | 2,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 371 |
| Efficiency ratio | 63.6739% | 3,531 |
| Assets per employee ($millions) | 3.0058% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 3,000 |
| Loan loss allowance to noncurrent loans | 60.1852% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.4456% | 988 |
| Noncurrent loans to loans | 1.9370% | 838 |
| Net loans and leases to total assets | 65.0530% | 3,172 |
| Net loans and leases to deposits | 73.9196% | 3,421 |
| Net loans and leases to core deposits | 74.8746% | 3,752 |
| Total domestic deposits to total assets | 88.0051% | 1,618 |
| Equity capital to assets | 11.7009% | 1,991 |
| Core capital (leverage) ratio | 12.4683% | 1,404 |
| Tier 1 risk-based capital ratio | 23.9788% | 845 |
| Total risk-based capital ratio | 25.2307% | 824 |
| Memoranda: | ||
| Average total assets | $90,527,500 | 4,387 |
| Average earning assets | $86,972,000 | 4,323 |
| Average equity | $10,844,500 | 4,298 |
| Average total loans | $61,818,500 | 4,158 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 2,000 |
| Cost of funding earning assets | 0.2543% | 4,524 |
| Net interest margin | 4.1568% | 1,285 |
| Noninterest income to average assets | 0.3975% | 3,650 |
| Noninterest expense to average assets | 3.1283% | 1,782 |
| Loan and lease loss provision to assets | 0.0637% | 2,953 |
| Net operating income to assets | 0.7219% | 3,510 |
| Return on assets (ROA) | 0.7247% | 3,537 |
| Pretax return on assets | 1.1947% | 2,794 |
| Return on Equity (ROE) | 6.0303% | 3,744 |
| Retained earnings to average equity (ytd only) | 1.6446% | 4,317 |
| Net charge-offs to loans | 0.1108% | 1,955 |
| Credit loss provision to net charge-offs | 85.2941% | 2,860 |
| Earnings coverage of net charge-offs (x) | 16.7941% | 2,156 |
| Efficiency ratio | 71.3856% | 2,322 |
| Assets per employee ($millions) | 2.7461% | 5,362 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 3,060 |
| Loan loss allowance to noncurrent loans | 59.6010% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.5431% | 870 |
| Noncurrent loans to loans | 1.9308% | 799 |
| Net loans and leases to total assets | 70.0867% | 2,512 |
| Net loans and leases to deposits | 83.3667% | 2,566 |
| Net loans and leases to core deposits | 84.5606% | 3,022 |
| Total domestic deposits to total assets | 84.0704% | 3,177 |
| Equity capital to assets | 12.2744% | 1,653 |
| Core capital (leverage) ratio | 12.0245% | 1,590 |
| Tier 1 risk-based capital ratio | 23.1424% | 898 |
| Total risk-based capital ratio | 24.3947% | 880 |
| Memoranda: | ||
| Average total assets | $91,071,000 | 4,409 |
| Average earning assets | $87,302,000 | 4,342 |
| Average equity | $10,944,800 | 4,309 |
| Average total loans | $61,383,600 | 4,169 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 2,256 |
| Cost of funding earning assets | 0.2422% | 4,644 |
| Net interest margin | 4.0593% | 1,512 |
| Noninterest income to average assets | 0.4209% | 3,553 |
| Noninterest expense to average assets | 2.9940% | 2,125 |
| Loan and lease loss provision to assets | 0.0552% | 2,989 |
| Net operating income to assets | 0.8730% | 3,159 |
| Return on assets (ROA) | 0.8780% | 3,185 |
| Pretax return on assets | 1.2713% | 2,620 |
| Return on Equity (ROE) | 7.3435% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.6152% | 1,900 |
| Net charge-offs to loans | 0.1221% | 1,573 |
| Credit loss provision to net charge-offs | 67.8571% | 2,715 |
| Earnings coverage of net charge-offs (x) | 16.2332% | 2,176 |
| Efficiency ratio | 69.4145% | 2,631 |
| Assets per employee ($millions) | 3.0884% | 5,190 |
| Cash dividends to net income (ytd only)* | 9.9176% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,223 |
| Loan loss allowance to noncurrent loans | 57.4089% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 1,019 |
| Noncurrent loans to loans | 1.9953% | 856 |
| Net loans and leases to total assets | 63.9081% | 3,415 |
| Net loans and leases to deposits | 72.7181% | 3,704 |
| Net loans and leases to core deposits | 74.2996% | 3,949 |
| Total domestic deposits to total assets | 87.8848% | 1,427 |
| Equity capital to assets | 11.7904% | 2,118 |
| Core capital (leverage) ratio | 12.2329% | 1,552 |
| Tier 1 risk-based capital ratio | 23.9760% | 854 |
| Total risk-based capital ratio | 25.2287% | 834 |
| Memoranda: | ||
| Average total assets | $91,870,250 | 4,433 |
| Average earning assets | $88,091,250 | 4,373 |
| Average equity | $10,984,500 | 4,341 |
| Average total loans | $61,153,250 | 4,213 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 2,110 |
| Cost of funding earning assets | 0.2488% | 4,552 |
| Net interest margin | 4.0551% | 1,448 |
| Noninterest income to average assets | 0.4372% | 3,441 |
| Noninterest expense to average assets | 3.1397% | 1,737 |
| Loan and lease loss provision to assets | 0.0795% | 2,393 |
| Net operating income to assets | 0.7381% | 3,680 |
| Return on assets (ROA) | 0.7485% | 3,698 |
| Pretax return on assets | 1.1194% | 3,091 |
| Return on Equity (ROE) | 6.2297% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.1271% | 2,624 |
| Net charge-offs to loans | 0.1970% | 1,023 |
| Credit loss provision to net charge-offs | 60.0000% | 2,465 |
| Earnings coverage of net charge-offs (x) | 8.9333% | 2,474 |
| Efficiency ratio | 72.6251% | 2,244 |
| Assets per employee ($millions) | 2.7805% | 5,435 |
| Cash dividends to net income (ytd only)* | 17.6991% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 3,275 |
| Loan loss allowance to noncurrent loans | 54.3697% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.6937% | 852 |
| Noncurrent loans to loans | 2.1270% | 777 |
| Net loans and leases to total assets | 67.5328% | 2,874 |
| Net loans and leases to deposits | 77.3353% | 3,178 |
| Net loans and leases to core deposits | 78.5372% | 3,548 |
| Total domestic deposits to total assets | 87.3247% | 1,791 |
| Equity capital to assets | 12.4202% | 1,659 |
| Core capital (leverage) ratio | 12.3386% | 1,449 |
| Tier 1 risk-based capital ratio | 23.2169% | 921 |
| Total risk-based capital ratio | 24.4683% | 912 |
| Memoranda: | ||
| Average total assets | $90,580,670 | 4,487 |
| Average earning assets | $86,805,330 | 4,422 |
| Average equity | $10,883,330 | 4,376 |
| Average total loans | $60,906,330 | 4,245 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,068 |
| Cost of funding earning assets | 0.2740% | 4,315 |
| Net interest margin | 3.9869% | 1,502 |
| Noninterest income to average assets | 0.3983% | 3,672 |
| Noninterest expense to average assets | 3.0334% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8534% | 2,976 |
| Return on assets (ROA) | 0.8754% | 2,934 |
| Pretax return on assets | 1.2169% | 2,520 |
| Return on Equity (ROE) | 7.4078% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.4078% | 1,692 |
| Net charge-offs to loans | 0.1115% | 1,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 15.9412% | 1,656 |
| Efficiency ratio | 71.8880% | 2,595 |
| Assets per employee ($millions) | 2.6547% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 3,294 |
| Loan loss allowance to noncurrent loans | 55.4254% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.7006% | 875 |
| Noncurrent loans to loans | 2.1152% | 823 |
| Net loans and leases to total assets | 66.3099% | 2,928 |
| Net loans and leases to deposits | 75.5345% | 3,252 |
| Net loans and leases to core deposits | 76.6832% | 3,592 |
| Total domestic deposits to total assets | 87.7876% | 1,836 |
| Equity capital to assets | 12.0827% | 1,777 |
| Core capital (leverage) ratio | 11.8019% | 1,754 |
| Tier 1 risk-based capital ratio | 23.5496% | 910 |
| Total risk-based capital ratio | 24.8020% | 896 |
| Memoranda: | ||
| Average total assets | $91,383,000 | 4,510 |
| Average earning assets | $87,586,000 | 4,450 |
| Average equity | $10,799,500 | 4,419 |
| Average total loans | $60,964,000 | 4,272 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 1,962 |
| Cost of funding earning assets | 0.2751% | 4,307 |
| Net interest margin | 4.0828% | 1,422 |
| Noninterest income to average assets | 0.4648% | 3,452 |
| Noninterest expense to average assets | 3.3982% | 1,364 |
| Loan and lease loss provision to assets | 0.0425% | 3,531 |
| Net operating income to assets | 0.6486% | 4,007 |
| Return on assets (ROA) | 0.6530% | 4,104 |
| Pretax return on assets | 0.9445% | 3,671 |
| Return on Equity (ROE) | 5.5768% | 4,166 |
| Retained earnings to average equity (ytd only) | 1.7621% | 4,524 |
| Net charge-offs to loans | 0.0703% | 2,691 |
| Credit loss provision to net charge-offs | 93.0233% | 2,746 |
| Earnings coverage of net charge-offs (x) | 21.4419% | 1,784 |
| Efficiency ratio | 77.6051% | 1,757 |
| Assets per employee ($millions) | 2.7207% | 5,551 |
| Cash dividends to net income (ytd only)* | 68.4039% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,223 |
| Loan loss allowance to noncurrent loans | 51.1268% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.7858% | 827 |
| Noncurrent loans to loans | 2.3140% | 713 |
| Net loans and leases to total assets | 65.5532% | 3,141 |
| Net loans and leases to deposits | 81.1455% | 2,770 |
| Net loans and leases to core deposits | 82.1747% | 3,198 |
| Total domestic deposits to total assets | 80.7848% | 4,394 |
| Equity capital to assets | 11.5594% | 2,113 |
| Core capital (leverage) ratio | 11.2610% | 2,116 |
| Tier 1 risk-based capital ratio | 21.9276% | 1,094 |
| Total risk-based capital ratio | 23.1799% | 1,066 |
| Memoranda: | ||
| Average total assets | $94,021,000 | 4,468 |
| Average earning assets | $90,134,800 | 4,381 |
| Average equity | $11,009,800 | 4,423 |
| Average total loans | $61,137,400 | 4,255 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 2,035 |
| Cost of funding earning assets | 0.2667% | 4,428 |
| Net interest margin | 4.0740% | 1,468 |
| Noninterest income to average assets | 0.4802% | 3,375 |
| Noninterest expense to average assets | 3.3601% | 1,433 |
| Loan and lease loss provision to assets | 0.0424% | 3,386 |
| Net operating income to assets | 0.6796% | 3,968 |
| Return on assets (ROA) | 0.6864% | 4,056 |
| Pretax return on assets | 0.9929% | 3,661 |
| Return on Equity (ROE) | 5.8434% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.8434% | 2,270 |
| Net charge-offs to loans | 0.0699% | 2,317 |
| Credit loss provision to net charge-offs | 93.7500% | 2,474 |
| Earnings coverage of net charge-offs (x) | 22.6853% | 1,745 |
| Efficiency ratio | 76.6184% | 1,892 |
| Assets per employee ($millions) | 2.5403% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 3,323 |
| Loan loss allowance to noncurrent loans | 52.2989% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 1.7278% | 982 |
| Noncurrent loans to loans | 2.2689% | 818 |
| Net loans and leases to total assets | 64.4977% | 3,332 |
| Net loans and leases to deposits | 75.3181% | 3,466 |
| Net loans and leases to core deposits | 76.2023% | 3,814 |
| Total domestic deposits to total assets | 85.6337% | 2,539 |
| Equity capital to assets | 12.0682% | 2,069 |
| Core capital (leverage) ratio | 11.2812% | 2,205 |
| Tier 1 risk-based capital ratio | 22.5313% | 1,061 |
| Total risk-based capital ratio | 23.7835% | 1,044 |
| Memoranda: | ||
| Average total assets | $94,400,000 | 4,496 |
| Average earning assets | $90,490,500 | 4,407 |
| Average equity | $11,089,000 | 4,457 |
| Average total loans | $61,080,250 | 4,290 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 1,990 |
| Cost of funding earning assets | 0.2672% | 4,477 |
| Net interest margin | 4.0808% | 1,411 |
| Noninterest income to average assets | 0.4549% | 3,490 |
| Noninterest expense to average assets | 3.4759% | 1,207 |
| Loan and lease loss provision to assets | 0.0212% | 3,712 |
| Net operating income to assets | 0.5469% | 4,495 |
| Return on assets (ROA) | 0.5564% | 4,570 |
| Pretax return on assets | 0.8822% | 4,021 |
| Return on Equity (ROE) | 4.7799% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.7799% | 2,878 |
| Net charge-offs to loans | 0.0459% | 2,557 |
| Credit loss provision to net charge-offs | 71.4286% | 2,459 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,388 |
| Efficiency ratio | 79.6413% | 1,539 |
| Assets per employee ($millions) | 2.4716% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 3,336 |
| Loan loss allowance to noncurrent loans | 54.3413% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.5833% | 1,177 |
| Noncurrent loans to loans | 2.2154% | 846 |
| Net loans and leases to total assets | 63.4366% | 3,444 |
| Net loans and leases to deposits | 77.7966% | 3,178 |
| Net loans and leases to core deposits | 78.7561% | 3,578 |
| Total domestic deposits to total assets | 81.5415% | 4,129 |
| Equity capital to assets | 11.9092% | 2,188 |
| Core capital (leverage) ratio | 11.1926% | 2,243 |
| Tier 1 risk-based capital ratio | 22.5761% | 1,068 |
| Total risk-based capital ratio | 23.8296% | 1,051 |
| Memoranda: | ||
| Average total assets | $94,536,330 | 4,527 |
| Average earning assets | $90,570,330 | 4,446 |
| Average equity | $11,004,330 | 4,493 |
| Average total loans | $60,990,330 | 4,313 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 2,112 |
| Cost of funding earning assets | 0.2724% | 4,474 |
| Net interest margin | 4.0334% | 1,523 |
| Noninterest income to average assets | 0.4513% | 3,473 |
| Noninterest expense to average assets | 3.0703% | 2,179 |
| Loan and lease loss provision to assets | 0.0422% | 3,081 |
| Net operating income to assets | 0.8276% | 3,111 |
| Return on assets (ROA) | 0.8477% | 3,126 |
| Pretax return on assets | 1.2399% | 2,539 |
| Return on Equity (ROE) | 7.3667% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.3667% | 1,718 |
| Net charge-offs to loans | 0.0587% | 1,921 |
| Credit loss provision to net charge-offs | 111.1111% | 1,504 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,128 |
| Efficiency ratio | 71.0244% | 2,957 |
| Assets per employee ($millions) | 2.5904% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 3,511 |
| Loan loss allowance to noncurrent loans | 53.4357% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.4701% | 1,400 |
| Noncurrent loans to loans | 2.2364% | 912 |
| Net loans and leases to total assets | 63.0608% | 3,376 |
| Net loans and leases to deposits | 75.0202% | 3,321 |
| Net loans and leases to core deposits | 75.8972% | 3,695 |
| Total domestic deposits to total assets | 84.0585% | 3,495 |
| Equity capital to assets | 11.5375% | 2,410 |
| Core capital (leverage) ratio | 10.9093% | 2,490 |
| Tier 1 risk-based capital ratio | 22.3231% | 1,117 |
| Total risk-based capital ratio | 23.5760% | 1,097 |
| Memoranda: | ||
| Average total assets | $94,845,000 | 4,558 |
| Average earning assets | $91,040,000 | 4,480 |
| Average equity | $10,914,000 | 4,526 |
| Average total loans | $61,333,000 | 4,335 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3137% | 2,183 |
| Cost of funding earning assets | 0.2544% | 4,734 |
| Net interest margin | 4.0593% | 1,528 |
| Noninterest income to average assets | 0.4071% | 3,986 |
| Noninterest expense to average assets | 3.0935% | 2,261 |
| Loan and lease loss provision to assets | 0.0318% | 3,730 |
| Net operating income to assets | 0.7801% | 3,420 |
| Return on assets (ROA) | 0.8163% | 3,351 |
| Pretax return on assets | 1.2096% | 2,620 |
| Return on Equity (ROE) | 7.1028% | 3,460 |
| Retained earnings to average equity (ytd only) | 2.6197% | 4,207 |
| Net charge-offs to loans | 0.0671% | 2,900 |
| Credit loss provision to net charge-offs | 75.0000% | 3,036 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,527 |
| Efficiency ratio | 72.2635% | 2,859 |
| Assets per employee ($millions) | 2.4696% | 5,906 |
| Cash dividends to net income (ytd only)* | 63.1169% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 3,556 |
| Loan loss allowance to noncurrent loans | 55.1360% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.4513% | 1,419 |
| Noncurrent loans to loans | 2.1530% | 938 |
| Net loans and leases to total assets | 64.7497% | 3,156 |
| Net loans and leases to deposits | 78.0399% | 3,052 |
| Net loans and leases to core deposits | 78.9833% | 3,446 |
| Total domestic deposits to total assets | 82.9700% | 3,841 |
| Equity capital to assets | 11.4762% | 2,381 |
| Core capital (leverage) ratio | 10.7691% | 2,634 |
| Tier 1 risk-based capital ratio | 22.2272% | 1,116 |
| Total risk-based capital ratio | 23.4797% | 1,093 |
| Memoranda: | ||
| Average total assets | $94,327,200 | 4,575 |
| Average earning assets | $90,015,800 | 4,505 |
| Average equity | $10,840,800 | 4,511 |
| Average total loans | $59,628,600 | 4,386 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,275 |
| Cost of funding earning assets | 0.2474% | 4,908 |
| Net interest margin | 4.0405% | 1,581 |
| Noninterest income to average assets | 0.4066% | 4,046 |
| Noninterest expense to average assets | 2.9857% | 2,570 |
| Loan and lease loss provision to assets | 0.0282% | 3,673 |
| Net operating income to assets | 0.8352% | 3,251 |
| Return on assets (ROA) | 0.8399% | 3,306 |
| Pretax return on assets | 1.2493% | 2,604 |
| Return on Equity (ROE) | 7.3059% | 3,466 |
| Retained earnings to average equity (ytd only) | 5.9062% | 2,306 |
| Net charge-offs to loans | 0.0676% | 2,598 |
| Credit loss provision to net charge-offs | 66.6667% | 2,822 |
| Earnings coverage of net charge-offs (x) | 29.9993% | 1,498 |
| Efficiency ratio | 70.1493% | 3,185 |
| Assets per employee ($millions) | 2.5533% | 5,933 |
| Cash dividends to net income (ytd only)* | 19.1602% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 3,570 |
| Loan loss allowance to noncurrent loans | 88.1643% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 2,641 |
| Noncurrent loans to loans | 1.3771% | 1,856 |
| Net loans and leases to total assets | 61.2189% | 3,704 |
| Net loans and leases to deposits | 73.6086% | 3,585 |
| Net loans and leases to core deposits | 73.6086% | 4,053 |
| Total domestic deposits to total assets | 83.1681% | 3,747 |
| Equity capital to assets | 11.4343% | 2,553 |
| Core capital (leverage) ratio | 10.8249% | 2,683 |
| Tier 1 risk-based capital ratio | 23.2288% | 1,026 |
| Total risk-based capital ratio | 24.4827% | 1,010 |
| Memoranda: | ||
| Average total assets | $94,447,500 | 4,626 |
| Average earning assets | $89,987,000 | 4,556 |
| Average equity | $10,858,500 | 4,561 |
| Average total loans | $59,162,000 | 4,450 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 2,313 |
| Cost of funding earning assets | 0.2532% | 4,903 |
| Net interest margin | 4.0107% | 1,611 |
| Noninterest income to average assets | 0.3975% | 4,094 |
| Noninterest expense to average assets | 2.9598% | 2,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8548% | 3,110 |
| Return on assets (ROA) | 0.8548% | 3,212 |
| Pretax return on assets | 1.2630% | 2,496 |
| Return on Equity (ROE) | 7.4212% | 3,359 |
| Retained earnings to average equity (ytd only) | 5.3061% | 2,666 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0911% | 3,311 |
| Assets per employee ($millions) | 2.4729% | 6,046 |
| Cash dividends to net income (ytd only)* | 28.5000% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 3,559 |
| Loan loss allowance to noncurrent loans | 64.6288% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 2,059 |
| Noncurrent loans to loans | 1.9204% | 1,297 |
| Net loans and leases to total assets | 61.0547% | 3,684 |
| Net loans and leases to deposits | 78.1118% | 3,009 |
| Net loans and leases to core deposits | 78.6333% | 3,516 |
| Total domestic deposits to total assets | 78.1633% | 5,247 |
| Equity capital to assets | 11.2740% | 2,596 |
| Core capital (leverage) ratio | 10.1198% | 3,439 |
| Tier 1 risk-based capital ratio | 23.0097% | 1,081 |
| Total risk-based capital ratio | 24.2639% | 1,056 |
| Memoranda: | ||
| Average total assets | $93,588,670 | 4,688 |
| Average earning assets | $89,261,000 | 4,613 |
| Average equity | $10,780,000 | 4,606 |
| Average total loans | $58,840,330 | 4,491 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2604% | 2,235 |
| Cost of funding earning assets | 0.2450% | 5,077 |
| Net interest margin | 4.0154% | 1,507 |
| Noninterest income to average assets | 0.3906% | 4,086 |
| Noninterest expense to average assets | 3.0902% | 2,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7639% | 3,462 |
| Return on assets (ROA) | 0.7639% | 3,595 |
| Pretax return on assets | 1.1415% | 2,897 |
| Return on Equity (ROE) | 6.5589% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.4409% | 2,812 |
| Net charge-offs to loans | -0.0137% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0256% | 2,985 |
| Assets per employee ($millions) | 2.4942% | 6,115 |
| Cash dividends to net income (ytd only)* | 17.0455% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 3,578 |
| Loan loss allowance to noncurrent loans | 122.6446% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 3,399 |
| Noncurrent loans to loans | 1.0360% | 2,694 |
| Net loans and leases to total assets | 62.4728% | 3,291 |
| Net loans and leases to deposits | 71.0257% | 3,639 |
| Net loans and leases to core deposits | 71.5991% | 4,003 |
| Total domestic deposits to total assets | 87.9580% | 1,849 |
| Equity capital to assets | 11.8047% | 2,191 |
| Core capital (leverage) ratio | 10.8406% | 2,583 |
| Tier 1 risk-based capital ratio | 22.9935% | 1,103 |
| Total risk-based capital ratio | 24.2483% | 1,085 |
| Memoranda: | ||
| Average total assets | $92,161,500 | 4,766 |
| Average earning assets | $88,161,500 | 4,670 |
| Average equity | $10,733,500 | 4,656 |
| Average total loans | $58,449,000 | 4,531 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 2,182 |
| Cost of funding earning assets | 0.2899% | 4,900 |
| Net interest margin | 4.1221% | 1,507 |
| Noninterest income to average assets | 0.4279% | 3,987 |
| Noninterest expense to average assets | 3.0999% | 2,514 |
| Loan and lease loss provision to assets | 0.0762% | 2,950 |
| Net operating income to assets | 0.8103% | 3,322 |
| Return on assets (ROA) | 0.8133% | 3,395 |
| Pretax return on assets | 1.1422% | 2,912 |
| Return on Equity (ROE) | 7.1677% | 3,543 |
| Retained earnings to average equity (ytd only) | 4.5194% | 2,953 |
| Net charge-offs to loans | 0.1000% | 3,080 |
| Credit loss provision to net charge-offs | 120.6897% | 1,986 |
| Earnings coverage of net charge-offs (x) | 19.2241% | 1,796 |
| Efficiency ratio | 71.8576% | 3,230 |
| Assets per employee ($millions) | 2.3599% | 6,246 |
| Cash dividends to net income (ytd only)* | 36.9478% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 3,626 |
| Loan loss allowance to noncurrent loans | 88.2002% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9605% | 2,838 |
| Noncurrent loans to loans | 1.4341% | 2,054 |
| Net loans and leases to total assets | 62.7599% | 3,398 |
| Net loans and leases to deposits | 74.8061% | 3,337 |
| Net loans and leases to core deposits | 75.3349% | 3,784 |
| Total domestic deposits to total assets | 83.8969% | 3,766 |
| Equity capital to assets | 11.4876% | 2,438 |
| Core capital (leverage) ratio | 10.5540% | 2,892 |
| Tier 1 risk-based capital ratio | 22.5522% | 1,142 |
| Total risk-based capital ratio | 23.8073% | 1,132 |
| Memoranda: | ||
| Average total assets | $91,842,400 | 4,791 |
| Average earning assets | $86,581,800 | 4,729 |
| Average equity | $10,421,800 | 4,672 |
| Average total loans | $58,012,200 | 4,549 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 2,212 |
| Cost of funding earning assets | 0.2862% | 5,029 |
| Net interest margin | 4.1153% | 1,528 |
| Noninterest income to average assets | 0.3965% | 4,275 |
| Noninterest expense to average assets | 3.0343% | 2,692 |
| Loan and lease loss provision to assets | 0.0436% | 3,525 |
| Net operating income to assets | 0.8360% | 3,252 |
| Return on assets (ROA) | 0.8381% | 3,330 |
| Pretax return on assets | 1.1852% | 2,843 |
| Return on Equity (ROE) | 7.4086% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.4086% | 1,616 |
| Net charge-offs to loans | 0.0438% | 3,626 |
| Credit loss provision to net charge-offs | 157.8947% | 1,521 |
| Earnings coverage of net charge-offs (x) | 44.4260% | 1,055 |
| Efficiency ratio | 71.2240% | 3,306 |
| Assets per employee ($millions) | 2.5322% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 3,859 |
| Loan loss allowance to noncurrent loans | 69.9149% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 2,468 |
| Noncurrent loans to loans | 1.8068% | 1,786 |
| Net loans and leases to total assets | 61.6533% | 3,539 |
| Net loans and leases to deposits | 69.7823% | 3,941 |
| Net loans and leases to core deposits | 70.6356% | 4,274 |
| Total domestic deposits to total assets | 88.3509% | 1,575 |
| Equity capital to assets | 11.3790% | 2,608 |
| Core capital (leverage) ratio | 10.6288% | 2,893 |
| Tier 1 risk-based capital ratio | 22.7829% | 1,150 |
| Total risk-based capital ratio | 24.0377% | 1,123 |
| Memoranda: | ||
| Average total assets | $91,793,500 | 4,848 |
| Average earning assets | $86,179,750 | 4,784 |
| Average equity | $10,384,000 | 4,711 |
| Average total loans | $57,889,500 | 4,599 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 2,345 |
| Cost of funding earning assets | 0.2906% | 5,069 |
| Net interest margin | 4.0681% | 1,616 |
| Noninterest income to average assets | 0.3686% | 4,491 |
| Noninterest expense to average assets | 3.0386% | 2,697 |
| Loan and lease loss provision to assets | 0.0439% | 3,441 |
| Net operating income to assets | 0.8386% | 3,135 |
| Return on assets (ROA) | 0.8403% | 3,224 |
| Pretax return on assets | 1.0970% | 3,115 |
| Return on Equity (ROE) | 7.4429% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.4429% | 1,545 |
| Net charge-offs to loans | 0.0347% | 3,517 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 51.9000% | 889 |
| Efficiency ratio | 72.7416% | 3,204 |
| Assets per employee ($millions) | 2.4854% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 3,942 |
| Loan loss allowance to noncurrent loans | 71.1668% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.2081% | 2,671 |
| Noncurrent loans to loans | 1.8036% | 1,894 |
| Net loans and leases to total assets | 60.0968% | 3,699 |
| Net loans and leases to deposits | 72.0566% | 3,559 |
| Net loans and leases to core deposits | 72.9832% | 3,947 |
| Total domestic deposits to total assets | 83.4022% | 4,150 |
| Equity capital to assets | 11.1545% | 2,731 |
| Core capital (leverage) ratio | 10.8791% | 2,550 |
| Tier 1 risk-based capital ratio | 22.4873% | 1,192 |
| Total risk-based capital ratio | 23.7431% | 1,170 |
| Memoranda: | ||
| Average total assets | $91,161,330 | 4,902 |
| Average earning assets | $85,347,670 | 4,841 |
| Average equity | $10,291,670 | 4,742 |
| Average total loans | $57,685,330 | 4,629 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 2,272 |
| Cost of funding earning assets | 0.3053% | 5,009 |
| Net interest margin | 4.0642% | 1,561 |
| Noninterest income to average assets | 0.4066% | 4,128 |
| Noninterest expense to average assets | 3.1412% | 2,401 |
| Loan and lease loss provision to assets | 0.0894% | 2,426 |
| Net operating income to assets | 0.7820% | 3,242 |
| Return on assets (ROA) | 0.7820% | 3,324 |
| Pretax return on assets | 0.9830% | 3,396 |
| Return on Equity (ROE) | 6.8830% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.8830% | 2,098 |
| Net charge-offs to loans | 0.0692% | 2,460 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,196 |
| Efficiency ratio | 74.5493% | 3,041 |
| Assets per employee ($millions) | 2.3463% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 4,268 |
| Loan loss allowance to noncurrent loans | 63.7857% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 2,325 |
| Noncurrent loans to loans | 1.9939% | 1,871 |
| Net loans and leases to total assets | 62.6050% | 3,139 |
| Net loans and leases to deposits | 75.2245% | 2,915 |
| Net loans and leases to core deposits | 76.2255% | 3,388 |
| Total domestic deposits to total assets | 83.2242% | 4,525 |
| Equity capital to assets | 11.2265% | 2,500 |
| Core capital (leverage) ratio | 11.0679% | 2,334 |
| Tier 1 risk-based capital ratio | 22.2006% | 1,258 |
| Total risk-based capital ratio | 23.4553% | 1,240 |
| Memoranda: | ||
| Average total assets | $89,519,000 | 4,983 |
| Average earning assets | $83,855,000 | 4,918 |
| Average equity | $10,170,000 | 4,785 |
| Average total loans | $57,779,500 | 4,663 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5254% | 2,111 |
| Cost of funding earning assets | 0.4308% | 4,314 |
| Net interest margin | 4.0946% | 1,660 |
| Noninterest income to average assets | 0.2662% | 5,442 |
| Noninterest expense to average assets | 2.9285% | 3,281 |
| Loan and lease loss provision to assets | 0.1320% | 2,661 |
| Net operating income to assets | 0.7871% | 3,357 |
| Return on assets (ROA) | 0.7888% | 3,453 |
| Pretax return on assets | 1.0451% | 3,172 |
| Return on Equity (ROE) | 6.9929% | 3,560 |
| Retained earnings to average equity (ytd only) | 2.0774% | 4,758 |
| Net charge-offs to loans | 0.1624% | 3,188 |
| Credit loss provision to net charge-offs | 134.8315% | 1,740 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,181 |
| Efficiency ratio | 71.3673% | 3,593 |
| Assets per employee ($millions) | 2.3657% | 6,483 |
| Cash dividends to net income (ytd only)* | 70.2929% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 4,319 |
| Loan loss allowance to noncurrent loans | 58.0542% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 1.6794% | 2,197 |
| Noncurrent loans to loans | 2.1796% | 1,791 |
| Net loans and leases to total assets | 64.8970% | 2,890 |
| Net loans and leases to deposits | 74.8350% | 3,128 |
| Net loans and leases to core deposits | 76.4772% | 3,558 |
| Total domestic deposits to total assets | 86.7201% | 2,865 |
| Equity capital to assets | 11.5011% | 2,165 |
| Core capital (leverage) ratio | 10.7688% | 2,607 |
| Tier 1 risk-based capital ratio | 21.8891% | 1,278 |
| Total risk-based capital ratio | 23.1441% | 1,251 |
| Memoranda: | ||
| Average total assets | $90,899,600 | 4,957 |
| Average earning assets | $85,186,200 | 4,903 |
| Average equity | $10,253,200 | 4,792 |
| Average total loans | $54,807,600 | 4,784 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 2,195 |
| Cost of funding earning assets | 0.4550% | 4,218 |
| Net interest margin | 4.0542% | 1,775 |
| Noninterest income to average assets | 0.2761% | 5,469 |
| Noninterest expense to average assets | 2.8136% | 3,610 |
| Loan and lease loss provision to assets | 0.1163% | 2,840 |
| Net operating income to assets | 0.8234% | 3,233 |
| Return on assets (ROA) | 0.8255% | 3,345 |
| Pretax return on assets | 1.1438% | 2,927 |
| Return on Equity (ROE) | 7.3527% | 3,459 |
| Retained earnings to average equity (ytd only) | 3.6246% | 4,114 |
| Net charge-offs to loans | 0.1207% | 3,341 |
| Credit loss provision to net charge-offs | 163.2653% | 1,453 |
| Earnings coverage of net charge-offs (x) | 17.6535% | 1,720 |
| Efficiency ratio | 69.1182% | 3,897 |
| Assets per employee ($millions) | 2.8391% | 6,094 |
| Cash dividends to net income (ytd only)* | 50.7045% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,282 |
| Loan loss allowance to noncurrent loans | 108.5075% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9830% | 3,694 |
| Noncurrent loans to loans | 1.2181% | 3,372 |
| Net loans and leases to total assets | 57.9336% | 4,021 |
| Net loans and leases to deposits | 65.1354% | 4,393 |
| Net loans and leases to core deposits | 66.4919% | 4,670 |
| Total domestic deposits to total assets | 88.9433% | 1,584 |
| Equity capital to assets | 10.8656% | 2,898 |
| Core capital (leverage) ratio | 10.5571% | 2,946 |
| Tier 1 risk-based capital ratio | 23.0410% | 1,137 |
| Total risk-based capital ratio | 24.2960% | 1,123 |
| Memoranda: | ||
| Average total assets | $91,741,750 | 4,980 |
| Average earning assets | $85,867,500 | 4,930 |
| Average equity | $10,299,750 | 4,831 |
| Average total loans | $54,126,250 | 4,852 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 1,876 |
| Cost of funding earning assets | 0.5211% | 3,695 |
| Net interest margin | 4.0722% | 1,625 |
| Noninterest income to average assets | 0.2305% | 5,797 |
| Noninterest expense to average assets | 2.8477% | 3,524 |
| Loan and lease loss provision to assets | 0.1098% | 2,964 |
| Net operating income to assets | 0.8178% | 3,210 |
| Return on assets (ROA) | 0.8211% | 3,348 |
| Pretax return on assets | 1.0868% | 3,150 |
| Return on Equity (ROE) | 7.2343% | 3,478 |
| Retained earnings to average equity (ytd only) | 1.6635% | 5,186 |
| Net charge-offs to loans | 0.1003% | 3,358 |
| Credit loss provision to net charge-offs | 185.1852% | 1,288 |
| Earnings coverage of net charge-offs (x) | 20.1111% | 1,477 |
| Efficiency ratio | 70.4891% | 3,739 |
| Assets per employee ($millions) | 2.2366% | 6,663 |
| Cash dividends to net income (ytd only)* | 77.0053% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 4,346 |
| Loan loss allowance to noncurrent loans | 136.6224% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.8495% | 4,116 |
| Noncurrent loans to loans | 0.9761% | 3,983 |
| Net loans and leases to total assets | 59.5460% | 3,743 |
| Net loans and leases to deposits | 67.1520% | 4,126 |
| Net loans and leases to core deposits | 68.8888% | 4,407 |
| Total domestic deposits to total assets | 88.6734% | 1,794 |
| Equity capital to assets | 11.1600% | 2,599 |
| Core capital (leverage) ratio | 10.5056% | 2,871 |
| Tier 1 risk-based capital ratio | 22.9937% | 1,135 |
| Total risk-based capital ratio | 24.2499% | 1,122 |
| Memoranda: | ||
| Average total assets | $91,092,330 | 5,034 |
| Average earning assets | $85,211,670 | 4,976 |
| Average equity | $10,339,670 | 4,862 |
| Average total loans | $53,833,330 | 4,888 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 1,491 |
| Cost of funding earning assets | 0.5628% | 3,456 |
| Net interest margin | 4.1539% | 1,315 |
| Noninterest income to average assets | 0.3221% | 5,124 |
| Noninterest expense to average assets | 2.8333% | 3,588 |
| Loan and lease loss provision to assets | 0.1306% | 2,611 |
| Net operating income to assets | 0.7094% | 3,647 |
| Return on assets (ROA) | 0.7094% | 3,783 |
| Pretax return on assets | 1.2447% | 2,418 |
| Return on Equity (ROE) | 6.1992% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.1992% | 2,568 |
| Net charge-offs to loans | 0.2084% | 2,168 |
| Credit loss provision to net charge-offs | 107.1429% | 1,726 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 1,671 |
| Efficiency ratio | 67.3216% | 4,439 |
| Assets per employee ($millions) | 2.5724% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 4,680 |
| Loan loss allowance to noncurrent loans | 148.7234% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 4,302 |
| Noncurrent loans to loans | 0.8762% | 4,381 |
| Net loans and leases to total assets | 57.1689% | 3,890 |
| Net loans and leases to deposits | 64.9440% | 4,194 |
| Net loans and leases to core deposits | 66.5774% | 4,457 |
| Total domestic deposits to total assets | 88.0280% | 2,290 |
| Equity capital to assets | 11.4105% | 2,506 |
| Core capital (leverage) ratio | 10.6466% | 2,598 |
| Tier 1 risk-based capital ratio | 23.0019% | 1,160 |
| Total risk-based capital ratio | 24.2580% | 1,134 |
| Memoranda: | ||
| Average total assets | $91,907,500 | 5,055 |
| Average earning assets | $85,992,000 | 4,983 |
| Average equity | $10,517,500 | 4,882 |
| Average total loans | $53,754,500 | 4,923 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 1,952 |
| Cost of funding earning assets | 0.6736% | 3,702 |
| Net interest margin | 4.1957% | 1,676 |
| Noninterest income to average assets | 0.4506% | 4,238 |
| Noninterest expense to average assets | 2.9574% | 3,443 |
| Loan and lease loss provision to assets | 0.1329% | 3,964 |
| Net operating income to assets | 0.9137% | 2,750 |
| Return on assets (ROA) | 0.9256% | 2,919 |
| Pretax return on assets | 1.2943% | 2,431 |
| Return on Equity (ROE) | 8.0729% | 3,053 |
| Retained earnings to average equity (ytd only) | 3.5150% | 3,741 |
| Net charge-offs to loans | 0.1983% | 3,789 |
| Credit loss provision to net charge-offs | 114.2857% | 2,542 |
| Earnings coverage of net charge-offs (x) | 12.1333% | 1,962 |
| Efficiency ratio | 67.7060% | 4,202 |
| Assets per employee ($millions) | 2.5335% | 6,589 |
| Cash dividends to net income (ytd only)* | 56.4593% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 4,659 |
| Loan loss allowance to noncurrent loans | 72.6042% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 3,464 |
| Noncurrent loans to loans | 1.7822% | 2,944 |
| Net loans and leases to total assets | 58.2960% | 3,925 |
| Net loans and leases to deposits | 66.2505% | 4,248 |
| Net loans and leases to core deposits | 67.9437% | 4,537 |
| Total domestic deposits to total assets | 87.9932% | 2,239 |
| Equity capital to assets | 11.4772% | 2,468 |
| Core capital (leverage) ratio | 10.2640% | 3,058 |
| Tier 1 risk-based capital ratio | 21.3577% | 1,387 |
| Total risk-based capital ratio | 22.6122% | 1,360 |
| Memoranda: | ||
| Average total assets | $90,315,800 | 5,076 |
| Average earning assets | $84,323,600 | 5,005 |
| Average equity | $10,355,600 | 4,903 |
| Average total loans | $52,942,200 | 4,985 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 1,974 |
| Cost of funding earning assets | 0.6696% | 4,023 |
| Net interest margin | 4.2395% | 1,622 |
| Noninterest income to average assets | 0.4765% | 4,090 |
| Noninterest expense to average assets | 2.8503% | 3,796 |
| Loan and lease loss provision to assets | 0.1184% | 4,071 |
| Net operating income to assets | 1.0132% | 2,435 |
| Return on assets (ROA) | 1.0285% | 2,589 |
| Pretax return on assets | 1.4844% | 1,937 |
| Return on Equity (ROE) | 8.9725% | 2,816 |
| Retained earnings to average equity (ytd only) | 6.6488% | 2,305 |
| Net charge-offs to loans | 0.2529% | 3,205 |
| Credit loss provision to net charge-offs | 80.0000% | 3,615 |
| Earnings coverage of net charge-offs (x) | 10.6800% | 2,160 |
| Efficiency ratio | 64.3287% | 4,752 |
| Assets per employee ($millions) | 2.5008% | 6,692 |
| Cash dividends to net income (ytd only)* | 25.8989% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 5,061 |
| Loan loss allowance to noncurrent loans | 115.1304% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 4,586 |
| Noncurrent loans to loans | 1.0829% | 4,272 |
| Net loans and leases to total assets | 55.1810% | 4,574 |
| Net loans and leases to deposits | 62.7166% | 4,887 |
| Net loans and leases to core deposits | 64.2536% | 5,125 |
| Total domestic deposits to total assets | 87.9847% | 2,052 |
| Equity capital to assets | 11.2282% | 3,005 |
| Core capital (leverage) ratio | 10.4588% | 2,968 |
| Tier 1 risk-based capital ratio | 22.0223% | 1,327 |
| Total risk-based capital ratio | 23.2747% | 1,302 |
| Memoranda: | ||
| Average total assets | $90,093,000 | 5,137 |
| Average earning assets | $84,033,500 | 5,073 |
| Average equity | $10,327,500 | 4,955 |
| Average total loans | $52,711,000 | 5,042 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 1,624 |
| Cost of funding earning assets | 0.6866% | 4,130 |
| Net interest margin | 4.3756% | 1,268 |
| Noninterest income to average assets | 0.5156% | 3,815 |
| Noninterest expense to average assets | 2.9079% | 3,585 |
| Loan and lease loss provision to assets | 0.1131% | 4,116 |
| Net operating income to assets | 1.0904% | 2,074 |
| Return on assets (ROA) | 1.1125% | 2,218 |
| Pretax return on assets | 1.5896% | 1,577 |
| Return on Equity (ROE) | 9.6345% | 2,521 |
| Retained earnings to average equity (ytd only) | 6.1097% | 2,648 |
| Net charge-offs to loans | 0.2853% | 2,895 |
| Credit loss provision to net charge-offs | 66.6667% | 3,644 |
| Earnings coverage of net charge-offs (x) | 9.8533% | 2,125 |
| Efficiency ratio | 63.5062% | 4,982 |
| Assets per employee ($millions) | 2.3305% | 6,885 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 5,199 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.9587% | 4,455 |
| Noncurrent loans to loans | 1.2321% | 4,084 |
| Net loans and leases to total assets | 59.4695% | 3,918 |
| Net loans and leases to deposits | 67.9662% | 4,210 |
| Net loans and leases to core deposits | 69.7670% | 4,555 |
| Total domestic deposits to total assets | 87.4986% | 2,473 |
| Equity capital to assets | 11.7719% | 2,347 |
| Core capital (leverage) ratio | 10.5381% | 2,765 |
| Tier 1 risk-based capital ratio | 22.0291% | 1,284 |
| Total risk-based capital ratio | 23.2903% | 1,264 |
| Memoranda: | ||
| Average total assets | $88,447,670 | 5,212 |
| Average earning assets | $82,138,000 | 5,145 |
| Average equity | $10,213,330 | 4,980 |
| Average total loans | $52,581,330 | 5,082 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0846% | 1,627 |
| Cost of funding earning assets | 0.6929% | 4,342 |
| Net interest margin | 4.3917% | 1,248 |
| Noninterest income to average assets | 0.5611% | 3,489 |
| Noninterest expense to average assets | 2.9097% | 3,587 |
| Loan and lease loss provision to assets | 0.0905% | 4,222 |
| Net operating income to assets | 1.0725% | 2,196 |
| Return on assets (ROA) | 1.0725% | 2,381 |
| Pretax return on assets | 1.6336% | 1,473 |
| Return on Equity (ROE) | 9.3792% | 2,644 |
| Retained earnings to average equity (ytd only) | 9.3792% | 1,445 |
| Net charge-offs to loans | 0.0460% | 4,058 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 529 |
| Efficiency ratio | 62.7930% | 5,138 |
| Assets per employee ($millions) | 2.5138% | 6,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 4,895 |
| Loan loss allowance to noncurrent loans | 149.3562% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 5,021 |
| Noncurrent loans to loans | 0.8892% | 4,887 |
| Net loans and leases to total assets | 57.1446% | 4,196 |
| Net loans and leases to deposits | 64.8203% | 4,506 |
| Net loans and leases to core deposits | 66.4871% | 4,858 |
| Total domestic deposits to total assets | 88.1585% | 2,213 |
| Equity capital to assets | 11.2758% | 2,650 |
| Core capital (leverage) ratio | 10.7415% | 2,506 |
| Tier 1 risk-based capital ratio | 21.8066% | 1,318 |
| Total risk-based capital ratio | 23.0605% | 1,294 |
| Memoranda: | ||
| Average total assets | $88,392,500 | 5,259 |
| Average earning assets | $81,973,500 | 5,191 |
| Average equity | $10,107,500 | 5,014 |
| Average total loans | $52,211,000 | 5,139 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 1,745 |
| Cost of funding earning assets | 0.9265% | 3,911 |
| Net interest margin | 4.3603% | 1,512 |
| Noninterest income to average assets | 0.5260% | 3,674 |
| Noninterest expense to average assets | 3.0729% | 3,296 |
| Loan and lease loss provision to assets | 0.1409% | 4,858 |
| Net operating income to assets | 0.9536% | 2,396 |
| Return on assets (ROA) | 0.9570% | 2,510 |
| Pretax return on assets | 1.3456% | 1,965 |
| Return on Equity (ROE) | 8.5328% | 2,661 |
| Retained earnings to average equity (ytd only) | 3.8842% | 3,447 |
| Net charge-offs to loans | 0.0986% | 5,362 |
| Credit loss provision to net charge-offs | 240.0000% | 1,008 |
| Earnings coverage of net charge-offs (x) | 25.2400% | 978 |
| Efficiency ratio | 67.4658% | 4,473 |
| Assets per employee ($millions) | 2.2126% | 7,071 |
| Cash dividends to net income (ytd only)* | 54.4785% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 4,855 |
| Loan loss allowance to noncurrent loans | 103.3333% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.0245% | 4,567 |
| Noncurrent loans to loans | 1.2689% | 4,252 |
| Net loans and leases to total assets | 59.4866% | 4,084 |
| Net loans and leases to deposits | 67.6958% | 4,483 |
| Net loans and leases to core deposits | 69.5297% | 4,844 |
| Total domestic deposits to total assets | 87.8734% | 2,235 |
| Equity capital to assets | 11.6016% | 2,425 |
| Core capital (leverage) ratio | 10.6699% | 2,554 |
| Tier 1 risk-based capital ratio | 21.5740% | 1,304 |
| Total risk-based capital ratio | 22.8278% | 1,272 |
| Memoranda: | ||
| Average total assets | $85,165,200 | 5,306 |
| Average earning assets | $78,687,000 | 5,271 |
| Average equity | $9,551,400 | 5,136 |
| Average total loans | $50,723,600 | 5,244 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2814% | 1,937 |
| Cost of funding earning assets | 0.9386% | 4,126 |
| Net interest margin | 4.3428% | 1,579 |
| Noninterest income to average assets | 0.4712% | 4,115 |
| Noninterest expense to average assets | 3.0221% | 3,477 |
| Loan and lease loss provision to assets | 0.1414% | 4,673 |
| Net operating income to assets | 0.9552% | 2,507 |
| Return on assets (ROA) | 0.9597% | 2,652 |
| Pretax return on assets | 1.3257% | 2,198 |
| Return on Equity (ROE) | 8.6330% | 2,770 |
| Retained earnings to average equity (ytd only) | 7.4461% | 1,741 |
| Net charge-offs to loans | 0.1270% | 4,774 |
| Credit loss provision to net charge-offs | 187.5000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 19.3745% | 1,264 |
| Efficiency ratio | 67.4142% | 4,439 |
| Assets per employee ($millions) | 2.4773% | 6,919 |
| Cash dividends to net income (ytd only)* | 13.7482% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 5,049 |
| Loan loss allowance to noncurrent loans | 153.1616% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 5,487 |
| Noncurrent loans to loans | 0.8433% | 5,187 |
| Net loans and leases to total assets | 54.5292% | 5,086 |
| Net loans and leases to deposits | 61.8145% | 5,424 |
| Net loans and leases to core deposits | 63.7867% | 5,638 |
| Total domestic deposits to total assets | 88.2142% | 1,917 |
| Equity capital to assets | 11.1116% | 3,039 |
| Core capital (leverage) ratio | 11.0392% | 2,354 |
| Tier 1 risk-based capital ratio | 21.7734% | 1,326 |
| Total risk-based capital ratio | 23.0270% | 1,295 |
| Memoranda: | ||
| Average total assets | $84,884,000 | 5,358 |
| Average earning assets | $78,411,250 | 5,315 |
| Average equity | $9,436,500 | 5,195 |
| Average total loans | $50,401,250 | 5,287 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4033% | 1,553 |
| Cost of funding earning assets | 0.9636% | 4,226 |
| Net interest margin | 4.4397% | 1,269 |
| Noninterest income to average assets | 0.4018% | 4,670 |
| Noninterest expense to average assets | 3.1346% | 3,130 |
| Loan and lease loss provision to assets | 0.1452% | 4,491 |
| Net operating income to assets | 0.8545% | 2,837 |
| Return on assets (ROA) | 0.8545% | 2,930 |
| Pretax return on assets | 1.2151% | 2,422 |
| Return on Equity (ROE) | 7.6848% | 3,106 |
| Retained earnings to average equity (ytd only) | 5.8561% | 2,516 |
| Net charge-offs to loans | 0.1550% | 4,252 |
| Credit loss provision to net charge-offs | 153.8462% | 1,980 |
| Earnings coverage of net charge-offs (x) | 14.4103% | 1,484 |
| Efficiency ratio | 69.7361% | 4,165 |
| Assets per employee ($millions) | 2.0174% | 7,291 |
| Cash dividends to net income (ytd only)* | 23.7960% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 5,359 |
| Loan loss allowance to noncurrent loans | 96.0546% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 5,337 |
| Noncurrent loans to loans | 1.2917% | 4,502 |
| Net loans and leases to total assets | 59.4628% | 4,388 |
| Net loans and leases to deposits | 67.8847% | 4,725 |
| Net loans and leases to core deposits | 70.2510% | 5,044 |
| Total domestic deposits to total assets | 87.5938% | 2,410 |
| Equity capital to assets | 11.2201% | 2,748 |
| Core capital (leverage) ratio | 10.7304% | 2,492 |
| Tier 1 risk-based capital ratio | 21.5842% | 1,317 |
| Total risk-based capital ratio | 22.8434% | 1,289 |
| Memoranda: | ||
| Average total assets | $82,625,000 | 5,468 |
| Average earning assets | $76,176,330 | 5,431 |
| Average equity | $9,187,000 | 5,271 |
| Average total loans | $50,323,000 | 5,341 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 1,485 |
| Cost of funding earning assets | 0.9676% | 4,447 |
| Net interest margin | 4.4605% | 1,149 |
| Noninterest income to average assets | 0.3433% | 5,172 |
| Noninterest expense to average assets | 3.1580% | 3,034 |
| Loan and lease loss provision to assets | 0.1471% | 4,172 |
| Net operating income to assets | 0.8189% | 2,932 |
| Return on assets (ROA) | 0.8189% | 2,989 |
| Pretax return on assets | 1.1524% | 2,551 |
| Return on Equity (ROE) | 7.4000% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.4000% | 1,989 |
| Net charge-offs to loans | 0.1441% | 3,633 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 14.7222% | 1,352 |
| Efficiency ratio | 70.8471% | 4,087 |
| Assets per employee ($millions) | 2.1107% | 7,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 5,428 |
| Loan loss allowance to noncurrent loans | 120.6963% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 5,696 |
| Noncurrent loans to loans | 1.0302% | 4,997 |
| Net loans and leases to total assets | 60.2087% | 4,227 |
| Net loans and leases to deposits | 69.7094% | 4,394 |
| Net loans and leases to core deposits | 72.2499% | 4,753 |
| Total domestic deposits to total assets | 86.3710% | 3,298 |
| Equity capital to assets | 11.0621% | 2,626 |
| Core capital (leverage) ratio | 10.7828% | 2,366 |
| Tier 1 risk-based capital ratio | 21.3752% | 1,330 |
| Total risk-based capital ratio | 22.6269% | 1,304 |
| Memoranda: | ||
| Average total assets | $81,571,500 | 5,542 |
| Average earning assets | $75,238,500 | 5,505 |
| Average equity | $9,027,000 | 5,319 |
| Average total loans | $49,976,000 | 5,390 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7406% | 1,436 |
| Cost of funding earning assets | 1.1286% | 4,974 |
| Net interest margin | 4.6119% | 989 |
| Noninterest income to average assets | 0.4772% | 4,334 |
| Noninterest expense to average assets | 3.3217% | 2,663 |
| Loan and lease loss provision to assets | 0.1988% | 5,246 |
| Net operating income to assets | 0.9203% | 2,317 |
| Return on assets (ROA) | 1.0352% | 2,028 |
| Pretax return on assets | 1.3458% | 1,814 |
| Return on Equity (ROE) | 9.2048% | 2,217 |
| Retained earnings to average equity (ytd only) | 4.4090% | 2,765 |
| Net charge-offs to loans | 0.0570% | 6,218 |
| Credit loss provision to net charge-offs | 592.5926% | 367 |
| Earnings coverage of net charge-offs (x) | 41.5926% | 559 |
| Efficiency ratio | 70.4162% | 4,084 |
| Assets per employee ($millions) | 2.0725% | 7,387 |
| Cash dividends to net income (ytd only)* | 52.1008% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 5,369 |
| Loan loss allowance to noncurrent loans | 167.6712% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 5,971 |
| Noncurrent loans to loans | 0.7334% | 5,579 |
| Net loans and leases to total assets | 60.8146% | 4,521 |
| Net loans and leases to deposits | 69.3590% | 4,900 |
| Net loans and leases to core deposits | 71.8952% | 5,226 |
| Total domestic deposits to total assets | 87.6809% | 2,435 |
| Equity capital to assets | 11.0707% | 2,627 |
| Core capital (leverage) ratio | 10.4600% | 2,595 |
| Tier 1 risk-based capital ratio | 20.4260% | 1,415 |
| Total risk-based capital ratio | 21.6779% | 1,393 |
| Memoranda: | ||
| Average total assets | $80,471,400 | 5,580 |
| Average earning assets | $73,982,400 | 5,541 |
| Average equity | $9,049,600 | 5,406 |
| Average total loans | $47,339,600 | 5,587 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7511% | 1,546 |
| Cost of funding earning assets | 1.1542% | 5,122 |
| Net interest margin | 4.5969% | 1,052 |
| Noninterest income to average assets | 0.4926% | 4,246 |
| Noninterest expense to average assets | 3.2942% | 2,593 |
| Loan and lease loss provision to assets | 0.1493% | 5,544 |
| Net operating income to assets | 0.9909% | 2,268 |
| Return on assets (ROA) | 1.1462% | 1,849 |
| Pretax return on assets | 1.4696% | 1,691 |
| Return on Equity (ROE) | 10.1522% | 2,065 |
| Retained earnings to average equity (ytd only) | 8.9180% | 1,078 |
| Net charge-offs to loans | 0.0628% | 5,884 |
| Credit loss provision to net charge-offs | 409.0909% | 733 |
| Earnings coverage of net charge-offs (x) | 38.9124% | 699 |
| Efficiency ratio | 69.8804% | 4,094 |
| Assets per employee ($millions) | 2.3249% | 7,288 |
| Cash dividends to net income (ytd only)* | 12.1566% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,872 |
| Loan loss allowance to noncurrent loans | 279.0816% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 6,626 |
| Noncurrent loans to loans | 0.4000% | 6,398 |
| Net loans and leases to total assets | 56.3316% | 5,500 |
| Net loans and leases to deposits | 65.1663% | 5,764 |
| Net loans and leases to core deposits | 67.4334% | 6,000 |
| Total domestic deposits to total assets | 86.4428% | 2,829 |
| Equity capital to assets | 11.2263% | 2,753 |
| Core capital (leverage) ratio | 10.8673% | 2,357 |
| Tier 1 risk-based capital ratio | 20.7681% | 1,402 |
| Total risk-based capital ratio | 22.0180% | 1,377 |
| Memoranda: | ||
| Average total assets | $80,382,750 | 5,653 |
| Average earning assets | $73,816,250 | 5,614 |
| Average equity | $9,075,000 | 5,471 |
| Average total loans | $46,733,000 | 5,687 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8327% | 1,340 |
| Cost of funding earning assets | 1.1992% | 5,135 |
| Net interest margin | 4.6335% | 927 |
| Noninterest income to average assets | 0.4331% | 4,661 |
| Noninterest expense to average assets | 3.2712% | 2,656 |
| Loan and lease loss provision to assets | 0.1529% | 5,371 |
| Net operating income to assets | 1.0180% | 2,126 |
| Return on assets (ROA) | 1.2382% | 1,519 |
| Pretax return on assets | 1.5464% | 1,444 |
| Return on Equity (ROE) | 10.9447% | 1,776 |
| Retained earnings to average equity (ytd only) | 9.0530% | 1,087 |
| Net charge-offs to loans | 0.0870% | 5,270 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 27.9500% | 963 |
| Efficiency ratio | 69.6690% | 4,253 |
| Assets per employee ($millions) | 2.0651% | 7,545 |
| Cash dividends to net income (ytd only)* | 17.2840% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 5,964 |
| Loan loss allowance to noncurrent loans | 102.7723% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 5,864 |
| Noncurrent loans to loans | 1.0656% | 5,183 |
| Net loans and leases to total assets | 59.7283% | 5,115 |
| Net loans and leases to deposits | 69.0534% | 5,408 |
| Net loans and leases to core deposits | 71.6941% | 5,704 |
| Total domestic deposits to total assets | 86.4958% | 2,820 |
| Equity capital to assets | 11.6793% | 2,295 |
| Core capital (leverage) ratio | 10.9587% | 2,271 |
| Tier 1 risk-based capital ratio | 21.3497% | 1,292 |
| Total risk-based capital ratio | 22.6233% | 1,259 |
| Memoranda: | ||
| Average total assets | $78,503,330 | 5,743 |
| Average earning assets | $72,213,670 | 5,698 |
| Average equity | $8,881,000 | 5,538 |
| Average total loans | $45,976,000 | 5,762 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7815% | 1,517 |
| Cost of funding earning assets | 1.2128% | 5,330 |
| Net interest margin | 4.5687% | 1,008 |
| Noninterest income to average assets | 0.3974% | 4,931 |
| Noninterest expense to average assets | 3.2247% | 2,777 |
| Loan and lease loss provision to assets | 0.1528% | 5,009 |
| Net operating income to assets | 1.0344% | 2,055 |
| Return on assets (ROA) | 1.4111% | 1,120 |
| Pretax return on assets | 1.6658% | 1,131 |
| Return on Equity (ROE) | 12.6788% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.6788% | 666 |
| Net charge-offs to loans | 0.0442% | 4,972 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 538 |
| Efficiency ratio | 70.0997% | 4,281 |
| Assets per employee ($millions) | 2.2435% | 7,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 6,049 |
| Loan loss allowance to noncurrent loans | 157.5000% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 6,480 |
| Noncurrent loans to loans | 0.6926% | 5,945 |
| Net loans and leases to total assets | 56.5790% | 5,665 |
| Net loans and leases to deposits | 65.1674% | 5,918 |
| Net loans and leases to core deposits | 67.5766% | 6,138 |
| Total domestic deposits to total assets | 86.8210% | 2,726 |
| Equity capital to assets | 10.9577% | 2,803 |
| Core capital (leverage) ratio | 10.8868% | 2,299 |
| Tier 1 risk-based capital ratio | 20.8968% | 1,356 |
| Total risk-based capital ratio | 22.1250% | 1,331 |
| Memoranda: | ||
| Average total assets | $78,519,000 | 5,814 |
| Average earning assets | $72,230,000 | 5,767 |
| Average equity | $8,739,000 | 5,611 |
| Average total loans | $45,269,500 | 5,870 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8714% | 2,365 |
| Cost of funding earning assets | 1.3320% | 6,205 |
| Net interest margin | 4.5393% | 1,097 |
| Noninterest income to average assets | 0.4254% | 5,003 |
| Noninterest expense to average assets | 3.3725% | 2,770 |
| Loan and lease loss provision to assets | 0.2114% | 5,655 |
| Net operating income to assets | 0.7231% | 2,842 |
| Return on assets (ROA) | 0.7530% | 2,798 |
| Pretax return on assets | 1.0330% | 2,486 |
| Return on Equity (ROE) | 6.6513% | 2,929 |
| Retained earnings to average equity (ytd only) | 3.3373% | 2,836 |
| Net charge-offs to loans | 0.2669% | 4,949 |
| Credit loss provision to net charge-offs | 142.8571% | 3,365 |
| Earnings coverage of net charge-offs (x) | 8.1339% | 1,994 |
| Efficiency ratio | 73.7009% | 3,958 |
| Assets per employee ($millions) | 2.1792% | 7,590 |
| Cash dividends to net income (ytd only)* | 49.8246% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 5,995 |
| Loan loss allowance to noncurrent loans | 140.8824% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 6,317 |
| Noncurrent loans to loans | 0.7668% | 5,736 |
| Net loans and leases to total assets | 57.5040% | 5,740 |
| Net loans and leases to deposits | 66.0632% | 6,040 |
| Net loans and leases to core deposits | 75.2871% | 6,452 |
| Total domestic deposits to total assets | 87.0439% | 2,477 |
| Equity capital to assets | 11.3120% | 2,456 |
| Core capital (leverage) ratio | 10.4859% | 2,625 |
| Tier 1 risk-based capital ratio | 21.2062% | 1,260 |
| Total risk-based capital ratio | 22.4304% | 1,237 |
| Memoranda: | ||
| Average total assets | $75,700,000 | 5,849 |
| Average earning assets | $69,217,400 | 5,834 |
| Average equity | $8,569,800 | 5,743 |
| Average total loans | $41,963,200 | 6,016 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8727% | 2,573 |
| Cost of funding earning assets | 1.3316% | 6,463 |
| Net interest margin | 4.5410% | 1,091 |
| Noninterest income to average assets | 0.4023% | 5,264 |
| Noninterest expense to average assets | 3.2893% | 2,955 |
| Loan and lease loss provision to assets | 0.2294% | 5,138 |
| Net operating income to assets | 0.7712% | 2,931 |
| Return on assets (ROA) | 0.8064% | 2,849 |
| Pretax return on assets | 1.0835% | 2,631 |
| Return on Equity (ROE) | 7.1222% | 3,013 |
| Retained earnings to average equity (ytd only) | 5.8130% | 2,039 |
| Net charge-offs to loans | 0.2739% | 4,333 |
| Credit loss provision to net charge-offs | 152.9412% | 3,123 |
| Earnings coverage of net charge-offs (x) | 8.4354% | 2,242 |
| Efficiency ratio | 72.2201% | 4,205 |
| Assets per employee ($millions) | 2.1167% | 7,698 |
| Cash dividends to net income (ytd only)* | 18.3811% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 5,689 |
| Loan loss allowance to noncurrent loans | 124.9344% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 6,288 |
| Noncurrent loans to loans | 0.8849% | 5,516 |
| Net loans and leases to total assets | 51.5772% | 6,646 |
| Net loans and leases to deposits | 59.5746% | 6,859 |
| Net loans and leases to core deposits | 66.2703% | 7,149 |
| Total domestic deposits to total assets | 86.5757% | 2,391 |
| Equity capital to assets | 10.6878% | 3,303 |
| Core capital (leverage) ratio | 10.7575% | 2,599 |
| Tier 1 risk-based capital ratio | 21.2965% | 1,328 |
| Total risk-based capital ratio | 22.5056% | 1,314 |
| Memoranda: | ||
| Average total assets | $75,556,750 | 5,887 |
| Average earning assets | $69,086,750 | 5,879 |
| Average equity | $8,555,250 | 5,801 |
| Average total loans | $41,369,250 | 6,091 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0212% | 2,097 |
| Cost of funding earning assets | 1.3769% | 6,554 |
| Net interest margin | 4.6442% | 884 |
| Noninterest income to average assets | 0.3988% | 5,300 |
| Noninterest expense to average assets | 3.4087% | 2,598 |
| Loan and lease loss provision to assets | 0.2731% | 4,392 |
| Net operating income to assets | 0.7280% | 3,142 |
| Return on assets (ROA) | 0.7320% | 3,231 |
| Pretax return on assets | 0.9969% | 3,026 |
| Return on Equity (ROE) | 6.3312% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.3468% | 2,876 |
| Net charge-offs to loans | 0.3872% | 3,264 |
| Credit loss provision to net charge-offs | 126.5823% | 3,668 |
| Earnings coverage of net charge-offs (x) | 5.8608% | 2,742 |
| Efficiency ratio | 72.9398% | 4,213 |
| Assets per employee ($millions) | 2.0264% | 7,834 |
| Cash dividends to net income (ytd only)* | 31.3433% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 5,817 |
| Loan loss allowance to noncurrent loans | 226.0000% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 6,789 |
| Noncurrent loans to loans | 0.4709% | 6,349 |
| Net loans and leases to total assets | 56.0471% | 6,200 |
| Net loans and leases to deposits | 63.8066% | 6,580 |
| Net loans and leases to core deposits | 69.1657% | 7,066 |
| Total domestic deposits to total assets | 87.8391% | 1,843 |
| Equity capital to assets | 11.2433% | 2,722 |
| Core capital (leverage) ratio | 11.0576% | 2,361 |
| Tier 1 risk-based capital ratio | 21.6860% | 1,301 |
| Total risk-based capital ratio | 22.8819% | 1,279 |
| Memoranda: | ||
| Average total assets | $73,225,000 | 5,995 |
| Average earning assets | $67,395,670 | 5,969 |
| Average equity | $8,466,000 | 5,858 |
| Average total loans | $40,807,670 | 6,167 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9757% | 2,460 |
| Cost of funding earning assets | 1.4609% | 6,537 |
| Net interest margin | 4.5148% | 1,101 |
| Noninterest income to average assets | 0.3760% | 5,422 |
| Noninterest expense to average assets | 3.2952% | 2,669 |
| Loan and lease loss provision to assets | 0.1106% | 5,548 |
| Net operating income to assets | 0.8212% | 3,039 |
| Return on assets (ROA) | 0.8293% | 3,151 |
| Pretax return on assets | 1.1334% | 2,862 |
| Return on Equity (ROE) | 7.0721% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.0721% | 2,186 |
| Net charge-offs to loans | 0.0700% | 4,495 |
| Credit loss provision to net charge-offs | 285.7143% | 1,685 |
| Earnings coverage of net charge-offs (x) | 31.8571% | 1,013 |
| Efficiency ratio | 72.7717% | 4,048 |
| Assets per employee ($millions) | 2.0460% | 7,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,483 |
| Loan loss allowance to noncurrent loans | 1,009.0909% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 7,425 |
| Noncurrent loans to loans | 0.1088% | 7,218 |
| Net loans and leases to total assets | 52.8130% | 6,604 |
| Net loans and leases to deposits | 61.7610% | 6,754 |
| Net loans and leases to core deposits | 67.5218% | 7,160 |
| Total domestic deposits to total assets | 85.5118% | 2,963 |
| Equity capital to assets | 11.3628% | 2,681 |
| Core capital (leverage) ratio | 11.3718% | 2,232 |
| Tier 1 risk-based capital ratio | 22.1150% | 1,289 |
| Total risk-based capital ratio | 23.3181% | 1,263 |
| Memoranda: | ||
| Average total assets | $72,348,500 | 6,055 |
| Average earning assets | $66,536,000 | 6,020 |
| Average equity | $8,484,000 | 5,886 |
| Average total loans | $39,974,000 | 6,241 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1427% | 4,812 |
| Cost of funding earning assets | 1.6083% | 7,431 |
| Net interest margin | 4.5345% | 1,342 |
| Noninterest income to average assets | 0.4208% | 5,291 |
| Noninterest expense to average assets | 3.3495% | 2,820 |
| Loan and lease loss provision to assets | 0.0644% | 6,588 |
| Net operating income to assets | 0.8297% | 3,310 |
| Return on assets (ROA) | 0.8775% | 2,952 |
| Pretax return on assets | 1.2310% | 2,547 |
| Return on Equity (ROE) | 7.5716% | 3,252 |
| Retained earnings to average equity (ytd only) | 2.1369% | 3,904 |
| Net charge-offs to loans | 0.0359% | 6,300 |
| Credit loss provision to net charge-offs | 346.1538% | 1,305 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 609 |
| Efficiency ratio | 73.1707% | 3,715 |
| Assets per employee ($millions) | 1.9713% | 7,936 |
| Cash dividends to net income (ytd only)* | 71.7781% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,347 |
| Loan loss allowance to noncurrent loans | 216.5829% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 6,429 |
| Noncurrent loans to loans | 0.5035% | 5,841 |
| Net loans and leases to total assets | 56.6600% | 6,364 |
| Net loans and leases to deposits | 66.1187% | 6,638 |
| Net loans and leases to core deposits | 72.3029% | 7,061 |
| Total domestic deposits to total assets | 85.6944% | 2,539 |
| Equity capital to assets | 12.1257% | 2,211 |
| Core capital (leverage) ratio | 11.0495% | 2,552 |
| Tier 1 risk-based capital ratio | 22.1798% | 1,296 |
| Total risk-based capital ratio | 23.3729% | 1,266 |
| Memoranda: | ||
| Average total assets | $69,861,200 | 6,041 |
| Average earning assets | $64,043,000 | 6,018 |
| Average equity | $8,096,000 | 6,048 |
| Average total loans | $36,258,400 | 6,351 |