Home > 1st Community Bank > Performance and Condition Ratios
1st Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 1,803 |
| Cost of funding earning assets | 0.8424% | 3,628 |
| Net interest margin | 4.2838% | 833 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 3.1051% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9493% | 2,368 |
| Return on assets (ROA) | 0.9579% | 2,335 |
| Pretax return on assets | 0.9982% | 2,697 |
| Return on Equity (ROE) | 9.5800% | 2,616 |
| Retained earnings to average equity (ytd only) | 0.9996% | 3,838 |
| Net charge-offs to loans | 0.0022% | 2,727 |
| Credit loss provision to net charge-offs | -4,100.0000% | 4,593 |
| Earnings coverage of net charge-offs (x) | 663.0000% | 218 |
| Efficiency ratio | 75.8382% | 1,259 |
| Assets per employee ($millions) | 4.0446% | 4,146 |
| Cash dividends to net income (ytd only)* | 89.5639% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 3,278 |
| Loan loss allowance to noncurrent loans | 75.6098% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 604 |
| Noncurrent loans to loans | 1.3298% | 522 |
| Net loans and leases to total assets | 62.1500% | 2,659 |
| Net loans and leases to deposits | 69.3224% | 2,930 |
| Net loans and leases to core deposits | 72.8937% | 3,130 |
| Total domestic deposits to total assets | 89.6500% | 858 |
| Equity capital to assets | 9.7195% | 2,185 |
| Core capital (leverage) ratio | 9.9627% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $67,019,400 | 4,147 |
| Average earning assets | $62,795,400 | 4,110 |
| Average equity | $6,702,800 | 4,081 |
| Average total loans | $44,479,800 | 3,924 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 1,922 |
| Cost of funding earning assets | 0.7832% | 3,567 |
| Net interest margin | 4.1762% | 953 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 3.0877% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8773% | 2,768 |
| Return on assets (ROA) | 0.8831% | 2,727 |
| Pretax return on assets | 0.9171% | 3,060 |
| Return on Equity (ROE) | 8.7700% | 2,991 |
| Retained earnings to average equity (ytd only) | 2.3057% | 3,664 |
| Net charge-offs to loans | 0.0030% | 2,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 455.0000% | 329 |
| Efficiency ratio | 77.2158% | 1,073 |
| Assets per employee ($millions) | 3.8579% | 4,215 |
| Cash dividends to net income (ytd only)* | 73.6961% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,139 |
| Loan loss allowance to noncurrent loans | 73.9875% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.9789% | 539 |
| Noncurrent loans to loans | 1.4084% | 535 |
| Net loans and leases to total assets | 68.7800% | 1,968 |
| Net loans and leases to deposits | 76.9617% | 2,338 |
| Net loans and leases to core deposits | 81.1339% | 2,522 |
| Total domestic deposits to total assets | 89.3700% | 1,129 |
| Equity capital to assets | 10.1564% | 1,733 |
| Core capital (leverage) ratio | 10.4311% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $66,584,500 | 4,163 |
| Average earning assets | $62,479,500 | 4,131 |
| Average equity | $6,707,750 | 4,080 |
| Average total loans | $44,808,500 | 3,927 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8220% | 1,948 |
| Cost of funding earning assets | 0.7025% | 3,481 |
| Net interest margin | 4.1194% | 1,052 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 3.0216% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8790% | 2,825 |
| Return on assets (ROA) | 0.8877% | 2,791 |
| Pretax return on assets | 0.9205% | 3,122 |
| Return on Equity (ROE) | 8.8300% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.8349% | 1,725 |
| Net charge-offs to loans | 0.0045% | 2,122 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 443 |
| Efficiency ratio | 76.8237% | 1,104 |
| Assets per employee ($millions) | 3.8912% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 3,005 |
| Loan loss allowance to noncurrent loans | 81.8966% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8768% | 563 |
| Noncurrent loans to loans | 1.3291% | 535 |
| Net loans and leases to total assets | 65.2500% | 2,240 |
| Net loans and leases to deposits | 73.2082% | 2,566 |
| Net loans and leases to core deposits | 76.3834% | 2,738 |
| Total domestic deposits to total assets | 89.1300% | 1,206 |
| Equity capital to assets | 10.3596% | 1,651 |
| Core capital (leverage) ratio | 10.6174% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $66,918,000 | 4,183 |
| Average earning assets | $62,630,000 | 4,154 |
| Average equity | $6,723,333 | 4,103 |
| Average total loans | $44,550,333 | 3,942 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5514% | 2,187 |
| Cost of funding earning assets | 0.5801% | 3,444 |
| Net interest margin | 3.9713% | 1,323 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 2.9717% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7731% | 3,285 |
| Return on assets (ROA) | 0.7845% | 3,189 |
| Pretax return on assets | 0.8202% | 3,422 |
| Return on Equity (ROE) | 7.9300% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.9297% | 2,239 |
| Net charge-offs to loans | 0.0089% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 644 |
| Efficiency ratio | 78.6164% | 944 |
| Assets per employee ($millions) | 3.7308% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,129 |
| Loan loss allowance to noncurrent loans | 81.4751% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8682% | 526 |
| Noncurrent loans to loans | 1.3325% | 497 |
| Net loans and leases to total assets | 64.4500% | 2,207 |
| Net loans and leases to deposits | 71.9561% | 2,473 |
| Net loans and leases to core deposits | 74.9922% | 2,600 |
| Total domestic deposits to total assets | 89.5600% | 1,313 |
| Equity capital to assets | 10.0530% | 1,792 |
| Core capital (leverage) ratio | 10.3528% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $67,301,500 | 4,231 |
| Average earning assets | $62,750,000 | 4,206 |
| Average equity | $6,658,500 | 4,165 |
| Average total loans | $45,005,500 | 3,979 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 2,681 |
| Cost of funding earning assets | 0.2737% | 3,115 |
| Net interest margin | 3.3659% | 2,359 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 2.7109% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4764% | 4,119 |
| Return on assets (ROA) | 0.4750% | 4,091 |
| Pretax return on assets | 0.5073% | 4,165 |
| Return on Equity (ROE) | 4.8700% | 4,042 |
| Retained earnings to average equity (ytd only) | 1.1118% | 4,173 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.1985% | 484 |
| Assets per employee ($millions) | 3.7472% | 4,365 |
| Cash dividends to net income (ytd only)* | 77.1605% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,209 |
| Loan loss allowance to noncurrent loans | 81.2287% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8688% | 527 |
| Noncurrent loans to loans | 1.2668% | 544 |
| Net loans and leases to total assets | 67.8800% | 1,839 |
| Net loans and leases to deposits | 75.4993% | 2,134 |
| Net loans and leases to core deposits | 78.6551% | 2,228 |
| Total domestic deposits to total assets | 89.9000% | 1,408 |
| Equity capital to assets | 9.7348% | 1,863 |
| Core capital (leverage) ratio | 9.9607% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $68,206,800 | 4,246 |
| Average earning assets | $63,578,600 | 4,223 |
| Average equity | $6,655,800 | 4,254 |
| Average total loans | $45,470,600 | 3,968 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3670% | 2,997 |
| Cost of funding earning assets | 0.2658% | 2,536 |
| Net interest margin | 3.1012% | 2,936 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 2.6628% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2903% | 4,392 |
| Return on assets (ROA) | 0.2885% | 4,352 |
| Pretax return on assets | 0.3080% | 4,368 |
| Return on Equity (ROE) | 2.9500% | 4,301 |
| Retained earnings to average equity (ytd only) | 0.4592% | 4,277 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.5738% | 333 |
| Assets per employee ($millions) | 3.8934% | 4,366 |
| Cash dividends to net income (ytd only)* | 84.4595% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,421 |
| Loan loss allowance to noncurrent loans | 43.3121% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 192 |
| Noncurrent loans to loans | 2.3317% | 239 |
| Net loans and leases to total assets | 70.4900% | 1,442 |
| Net loans and leases to deposits | 78.4464% | 1,678 |
| Net loans and leases to core deposits | 83.3694% | 1,698 |
| Total domestic deposits to total assets | 89.8600% | 1,722 |
| Equity capital to assets | 9.8131% | 1,721 |
| Core capital (leverage) ratio | 9.7666% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $68,396,250 | 4,276 |
| Average earning assets | $63,715,250 | 4,249 |
| Average equity | $6,678,250 | 4,292 |
| Average total loans | $45,273,750 | 3,996 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1021% | 3,300 |
| Cost of funding earning assets | 0.2632% | 2,110 |
| Net interest margin | 2.8389% | 3,314 |
| Noninterest income to average assets | 0.0781% | 4,561 |
| Noninterest expense to average assets | 2.6037% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1066% | 4,509 |
| Return on assets (ROA) | 0.1041% | 4,476 |
| Pretax return on assets | 0.1244% | 4,466 |
| Return on Equity (ROE) | 1.0684% | 4,456 |
| Retained earnings to average equity (ytd only) | 1.0684% | 3,980 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3390% | 254 |
| Assets per employee ($millions) | 4.0327% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,285 |
| Loan loss allowance to noncurrent loans | 262.9834% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 1,988 |
| Noncurrent loans to loans | 0.4060% | 1,912 |
| Net loans and leases to total assets | 64.3416% | 1,867 |
| Net loans and leases to deposits | 71.4876% | 2,071 |
| Net loans and leases to core deposits | 75.8008% | 2,032 |
| Total domestic deposits to total assets | 90.0038% | 1,704 |
| Equity capital to assets | 9.6461% | 1,910 |
| Core capital (leverage) ratio | 9.7329% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,132,667 | 4,314 |
| Average earning assets | $64,601,667 | 4,298 |
| Average equity | $6,739,333 | 4,344 |
| Average total loans | $44,654,333 | 4,057 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9555% | 3,385 |
| Cost of funding earning assets | 0.2653% | 1,973 |
| Net interest margin | 2.6902% | 3,428 |
| Noninterest income to average assets | 0.0691% | 4,606 |
| Noninterest expense to average assets | 2.6102% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0346% | 4,563 |
| Return on assets (ROA) | -0.0346% | 4,542 |
| Pretax return on assets | -0.0288% | 4,536 |
| Return on Equity (ROE) | -0.3528% | 4,550 |
| Retained earnings to average equity (ytd only) | -0.3528% | 4,064 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1161% | 224 |
| Assets per employee ($millions) | 4.0882% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,452 |
| Loan loss allowance to noncurrent loans | 264.4444% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 2,110 |
| Noncurrent loans to loans | 0.4052% | 2,046 |
| Net loans and leases to total assets | 63.2383% | 1,715 |
| Net loans and leases to deposits | 70.2144% | 1,946 |
| Net loans and leases to core deposits | 74.0660% | 1,935 |
| Total domestic deposits to total assets | 90.0646% | 1,527 |
| Equity capital to assets | 9.7009% | 2,130 |
| Core capital (leverage) ratio | 9.7378% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,421,000 | 4,333 |
| Average earning assets | $64,827,500 | 4,319 |
| Average equity | $6,802,500 | 4,381 |
| Average total loans | $44,688,500 | 4,066 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 1,364 |
| Cost of funding earning assets | 0.3801% | 1,683 |
| Net interest margin | 3.6169% | 1,419 |
| Noninterest income to average assets | 0.0978% | 4,616 |
| Noninterest expense to average assets | 2.7265% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7120% | 3,599 |
| Return on assets (ROA) | 0.7231% | 3,624 |
| Pretax return on assets | 0.7676% | 3,794 |
| Return on Equity (ROE) | 7.0206% | 3,512 |
| Retained earnings to average equity (ytd only) | 3.4240% | 3,444 |
| Net charge-offs to loans | -0.0021% | 3,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2979% | 925 |
| Assets per employee ($millions) | 4.0790% | 4,396 |
| Cash dividends to net income (ytd only)* | 51.2295% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,532 |
| Loan loss allowance to noncurrent loans | 332.8671% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,533 |
| Noncurrent loans to loans | 0.3181% | 2,448 |
| Net loans and leases to total assets | 64.1377% | 1,684 |
| Net loans and leases to deposits | 71.3735% | 1,973 |
| Net loans and leases to core deposits | 75.3060% | 1,974 |
| Total domestic deposits to total assets | 89.8620% | 1,023 |
| Equity capital to assets | 9.8972% | 2,756 |
| Core capital (leverage) ratio | 9.9608% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,485,400 | 4,366 |
| Average earning assets | $63,148,200 | 4,350 |
| Average equity | $6,951,000 | 4,427 |
| Average total loans | $46,756,400 | 4,058 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 976 |
| Cost of funding earning assets | 0.4059% | 1,658 |
| Net interest margin | 3.8787% | 979 |
| Noninterest income to average assets | 0.1015% | 4,661 |
| Noninterest expense to average assets | 2.7274% | 1,518 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0007% | 2,903 |
| Return on assets (ROA) | 1.0126% | 2,924 |
| Pretax return on assets | 1.0166% | 3,404 |
| Return on Equity (ROE) | 9.7325% | 2,835 |
| Retained earnings to average equity (ytd only) | 7.3424% | 2,296 |
| Net charge-offs to loans | -0.0028% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0810% | 1,297 |
| Assets per employee ($millions) | 3.9358% | 4,487 |
| Cash dividends to net income (ytd only)* | 24.5580% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,747 |
| Loan loss allowance to noncurrent loans | 332.8671% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 2,709 |
| Noncurrent loans to loans | 0.3088% | 2,686 |
| Net loans and leases to total assets | 68.4900% | 1,259 |
| Net loans and leases to deposits | 76.7695% | 1,595 |
| Net loans and leases to core deposits | 80.5973% | 1,685 |
| Total domestic deposits to total assets | 89.2152% | 1,165 |
| Equity capital to assets | 10.5367% | 2,430 |
| Core capital (leverage) ratio | 10.2486% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,021,000 | 4,426 |
| Average earning assets | $62,734,000 | 4,411 |
| Average equity | $6,973,000 | 4,486 |
| Average total loans | $47,207,750 | 4,112 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 497 |
| Cost of funding earning assets | 0.4369% | 1,604 |
| Net interest margin | 4.3151% | 483 |
| Noninterest income to average assets | 0.1133% | 4,634 |
| Noninterest expense to average assets | 2.7319% | 1,501 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4137% | 1,528 |
| Return on assets (ROA) | 1.4197% | 1,581 |
| Pretax return on assets | 1.4226% | 2,265 |
| Return on Equity (ROE) | 13.7031% | 1,504 |
| Retained earnings to average equity (ytd only) | 13.7031% | 597 |
| Net charge-offs to loans | -0.0042% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8519% | 2,185 |
| Assets per employee ($millions) | 4.2426% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 3,741 |
| Loan loss allowance to noncurrent loans | 332.8671% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 2,887 |
| Noncurrent loans to loans | 0.3083% | 2,822 |
| Net loans and leases to total assets | 67.6213% | 1,499 |
| Net loans and leases to deposits | 75.7696% | 1,847 |
| Net loans and leases to core deposits | 79.9018% | 1,894 |
| Total domestic deposits to total assets | 89.2459% | 1,166 |
| Equity capital to assets | 10.5214% | 2,376 |
| Core capital (leverage) ratio | 10.4360% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,058,333 | 4,451 |
| Average earning assets | $62,710,667 | 4,439 |
| Average equity | $6,947,333 | 4,512 |
| Average total loans | $47,509,667 | 4,125 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2907% | 236 |
| Cost of funding earning assets | 0.4740% | 1,566 |
| Net interest margin | 4.8167% | 236 |
| Noninterest income to average assets | 0.1440% | 4,485 |
| Noninterest expense to average assets | 2.7788% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8726% | 695 |
| Return on assets (ROA) | 1.8846% | 735 |
| Pretax return on assets | 1.8906% | 1,134 |
| Return on Equity (ROE) | 18.3358% | 685 |
| Retained earnings to average equity (ytd only) | 18.3358% | 347 |
| Net charge-offs to loans | -0.0083% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6649% | 3,069 |
| Assets per employee ($millions) | 3.9338% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,926 |
| Loan loss allowance to noncurrent loans | 204.2918% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 2,406 |
| Noncurrent loans to loans | 0.4791% | 2,412 |
| Net loans and leases to total assets | 72.0145% | 1,027 |
| Net loans and leases to deposits | 80.6413% | 1,457 |
| Net loans and leases to core deposits | 85.0911% | 1,583 |
| Total domestic deposits to total assets | 89.3023% | 1,171 |
| Equity capital to assets | 10.4435% | 2,322 |
| Core capital (leverage) ratio | 10.3175% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,647,000 | 4,473 |
| Average earning assets | $62,449,500 | 4,454 |
| Average equity | $6,850,000 | 4,537 |
| Average total loans | $48,075,500 | 4,141 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 3,003 |
| Cost of funding earning assets | 0.6313% | 2,110 |
| Net interest margin | 3.2775% | 3,134 |
| Noninterest income to average assets | 0.0839% | 4,788 |
| Noninterest expense to average assets | 2.8286% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3326% | 4,388 |
| Return on assets (ROA) | 0.3399% | 4,440 |
| Pretax return on assets | 0.3489% | 4,490 |
| Return on Equity (ROE) | 3.3578% | 4,294 |
| Retained earnings to average equity (ytd only) | -0.3402% | 4,570 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2300% | 398 |
| Assets per employee ($millions) | 3.9071% | 4,439 |
| Cash dividends to net income (ytd only)* | 110.1322% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,868 |
| Loan loss allowance to noncurrent loans | 209.2511% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 2,624 |
| Noncurrent loans to loans | 0.4777% | 2,538 |
| Net loans and leases to total assets | 70.8235% | 1,454 |
| Net loans and leases to deposits | 79.0273% | 1,976 |
| Net loans and leases to core deposits | 87.5866% | 1,737 |
| Total domestic deposits to total assets | 89.6191% | 717 |
| Equity capital to assets | 10.1114% | 3,019 |
| Core capital (leverage) ratio | 9.5354% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,783,000 | 4,426 |
| Average earning assets | $62,882,800 | 4,402 |
| Average equity | $6,760,400 | 4,552 |
| Average total loans | $47,534,200 | 4,155 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 2,894 |
| Cost of funding earning assets | 0.6492% | 2,325 |
| Net interest margin | 3.3792% | 2,982 |
| Noninterest income to average assets | 0.0857% | 4,805 |
| Noninterest expense to average assets | 2.8670% | 1,780 |
| Loan and lease loss provision to assets | 0.0179% | 4,107 |
| Net operating income to assets | 0.3790% | 4,306 |
| Return on assets (ROA) | 0.3868% | 4,350 |
| Pretax return on assets | 0.3948% | 4,438 |
| Return on Equity (ROE) | 3.8198% | 4,203 |
| Retained earnings to average equity (ytd only) | 1.3586% | 4,130 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6295% | 430 |
| Assets per employee ($millions) | 3.7946% | 4,475 |
| Cash dividends to net income (ytd only)* | 64.4330% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,536 |
| Loan loss allowance to noncurrent loans | 393.4959% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 3,530 |
| Noncurrent loans to loans | 0.2632% | 3,352 |
| Net loans and leases to total assets | 67.7203% | 2,280 |
| Net loans and leases to deposits | 80.7694% | 2,229 |
| Net loans and leases to core deposits | 89.8853% | 1,985 |
| Total domestic deposits to total assets | 83.8440% | 2,869 |
| Equity capital to assets | 9.9937% | 3,229 |
| Core capital (leverage) ratio | 9.6849% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,873,750 | 4,441 |
| Average earning assets | $63,051,750 | 4,414 |
| Average equity | $6,771,500 | 4,572 |
| Average total loans | $47,538,750 | 4,175 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 2,684 |
| Cost of funding earning assets | 0.6681% | 2,572 |
| Net interest margin | 3.5544% | 2,623 |
| Noninterest income to average assets | 0.0934% | 4,802 |
| Noninterest expense to average assets | 2.9007% | 1,829 |
| Loan and lease loss provision to assets | 0.0181% | 4,010 |
| Net operating income to assets | 0.5182% | 3,961 |
| Return on assets (ROA) | 0.5301% | 4,013 |
| Pretax return on assets | 0.5362% | 4,184 |
| Return on Equity (ROE) | 5.2122% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.2122% | 2,383 |
| Net charge-offs to loans | 0.0042% | 2,831 |
| Credit loss provision to net charge-offs | 600.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 485 |
| Efficiency ratio | 84.2520% | 627 |
| Assets per employee ($millions) | 3.8647% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 3,687 |
| Loan loss allowance to noncurrent loans | 533.3333% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 3,877 |
| Noncurrent loans to loans | 0.1827% | 3,722 |
| Net loans and leases to total assets | 70.1128% | 2,010 |
| Net loans and leases to deposits | 83.4714% | 2,049 |
| Net loans and leases to core deposits | 92.6452% | 1,846 |
| Total domestic deposits to total assets | 83.9963% | 2,747 |
| Equity capital to assets | 9.9662% | 3,238 |
| Core capital (leverage) ratio | 10.0674% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,397,333 | 4,451 |
| Average earning assets | $62,569,667 | 4,431 |
| Average equity | $6,753,333 | 4,597 |
| Average total loans | $47,805,333 | 4,178 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2014% | 3,204 |
| Cost of funding earning assets | 0.7221% | 2,825 |
| Net interest margin | 3.4793% | 3,046 |
| Noninterest income to average assets | 0.1173% | 4,765 |
| Noninterest expense to average assets | 2.8513% | 2,275 |
| Loan and lease loss provision to assets | 0.0185% | 3,559 |
| Net operating income to assets | 0.5123% | 3,861 |
| Return on assets (ROA) | 0.5184% | 3,905 |
| Pretax return on assets | 0.5246% | 4,082 |
| Return on Equity (ROE) | 5.0424% | 3,619 |
| Retained earnings to average equity (ytd only) | 5.0424% | 2,261 |
| Net charge-offs to loans | 0.0085% | 2,255 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 639 |
| Efficiency ratio | 84.1530% | 818 |
| Assets per employee ($millions) | 3.5698% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 3,660 |
| Loan loss allowance to noncurrent loans | 238.5000% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 3,195 |
| Noncurrent loans to loans | 0.4229% | 2,978 |
| Net loans and leases to total assets | 72.8555% | 1,793 |
| Net loans and leases to deposits | 81.6357% | 2,500 |
| Net loans and leases to core deposits | 93.1122% | 2,056 |
| Total domestic deposits to total assets | 89.2446% | 568 |
| Equity capital to assets | 10.4582% | 3,358 |
| Core capital (leverage) ratio | 10.3595% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4800% | 2,079 |
| Memoranda: | ||
| Average total assets | $64,813,500 | 4,490 |
| Average earning assets | $60,932,000 | 4,468 |
| Average equity | $6,663,500 | 4,639 |
| Average total loans | $47,081,000 | 4,203 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 3,401 |
| Cost of funding earning assets | 0.7515% | 2,914 |
| Net interest margin | 3.5956% | 3,148 |
| Noninterest income to average assets | 0.1225% | 4,848 |
| Noninterest expense to average assets | 2.9331% | 2,195 |
| Loan and lease loss provision to assets | 0.0188% | 3,638 |
| Net operating income to assets | 0.5525% | 4,282 |
| Return on assets (ROA) | 0.6830% | 3,988 |
| Pretax return on assets | 0.6909% | 4,221 |
| Return on Equity (ROE) | 6.7377% | 3,650 |
| Retained earnings to average equity (ytd only) | 2.8655% | 3,605 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5420% | 689 |
| Assets per employee ($millions) | 3.6317% | 4,344 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,419 |
| Loan loss allowance to noncurrent loans | 117.2840% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 2,034 |
| Noncurrent loans to loans | 0.8641% | 1,782 |
| Net loans and leases to total assets | 70.9734% | 2,253 |
| Net loans and leases to deposits | 79.1849% | 2,888 |
| Net loans and leases to core deposits | 91.1799% | 2,305 |
| Total domestic deposits to total assets | 89.6300% | 455 |
| Equity capital to assets | 10.1069% | 3,825 |
| Core capital (leverage) ratio | 9.9437% | 3,576 |
| Tier 1 risk-based capital ratio | 13.4914% | 3,530 |
| Total risk-based capital ratio | 14.4663% | 3,567 |
| Memoranda: | ||
| Average total assets | $63,686,000 | 4,533 |
| Average earning assets | $60,017,000 | 4,509 |
| Average equity | $6,456,200 | 4,700 |
| Average total loans | $47,941,600 | 4,222 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 3,434 |
| Cost of funding earning assets | 0.7545% | 2,949 |
| Net interest margin | 3.6201% | 3,196 |
| Noninterest income to average assets | 0.1180% | 4,926 |
| Noninterest expense to average assets | 2.9210% | 2,194 |
| Loan and lease loss provision to assets | 0.0190% | 3,530 |
| Net operating income to assets | 0.5792% | 4,345 |
| Return on assets (ROA) | 0.7545% | 3,902 |
| Pretax return on assets | 0.7629% | 4,206 |
| Return on Equity (ROE) | 7.4366% | 3,531 |
| Retained earnings to average equity (ytd only) | 4.8401% | 2,966 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8452% | 697 |
| Assets per employee ($millions) | 3.5798% | 4,422 |
| Cash dividends to net income (ytd only)* | 34.9158% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 3,701 |
| Loan loss allowance to noncurrent loans | 37.6696% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.9446% | 459 |
| Noncurrent loans to loans | 2.5908% | 433 |
| Net loans and leases to total assets | 74.3249% | 1,746 |
| Net loans and leases to deposits | 83.1819% | 2,546 |
| Net loans and leases to core deposits | 96.5584% | 1,957 |
| Total domestic deposits to total assets | 89.3522% | 497 |
| Equity capital to assets | 10.3312% | 3,690 |
| Core capital (leverage) ratio | 10.3996% | 3,203 |
| Tier 1 risk-based capital ratio | 12.8788% | 3,916 |
| Total risk-based capital ratio | 13.7969% | 3,990 |
| Memoranda: | ||
| Average total assets | $63,264,750 | 4,595 |
| Average earning assets | $59,555,500 | 4,579 |
| Average equity | $6,418,500 | 4,769 |
| Average total loans | $48,209,250 | 4,272 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 3,440 |
| Cost of funding earning assets | 0.7443% | 2,922 |
| Net interest margin | 3.6199% | 3,194 |
| Noninterest income to average assets | 0.1145% | 4,984 |
| Noninterest expense to average assets | 2.9042% | 2,273 |
| Loan and lease loss provision to assets | 0.0191% | 3,408 |
| Net operating income to assets | 0.5853% | 4,343 |
| Return on assets (ROA) | 0.5853% | 4,383 |
| Pretax return on assets | 0.5948% | 4,551 |
| Return on Equity (ROE) | 5.8053% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.8053% | 2,365 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5497% | 765 |
| Assets per employee ($millions) | 3.4489% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,817 |
| Loan loss allowance to noncurrent loans | 154.7855% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 2,589 |
| Noncurrent loans to loans | 0.6219% | 2,396 |
| Net loans and leases to total assets | 77.7207% | 1,270 |
| Net loans and leases to deposits | 90.5914% | 1,675 |
| Net loans and leases to core deposits | 104.9325% | 1,308 |
| Total domestic deposits to total assets | 85.7925% | 2,139 |
| Equity capital to assets | 10.6540% | 3,382 |
| Core capital (leverage) ratio | 10.5765% | 3,003 |
| Tier 1 risk-based capital ratio | 12.7681% | 3,965 |
| Total risk-based capital ratio | 13.6793% | 4,047 |
| Memoranda: | ||
| Average total assets | $62,874,330 | 4,640 |
| Average earning assets | $59,117,330 | 4,622 |
| Average equity | $6,339,000 | 4,808 |
| Average total loans | $48,157,670 | 4,298 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 3,587 |
| Cost of funding earning assets | 0.7042% | 3,030 |
| Net interest margin | 3.5889% | 3,292 |
| Noninterest income to average assets | 0.1138% | 5,034 |
| Noninterest expense to average assets | 2.8133% | 2,529 |
| Loan and lease loss provision to assets | 0.0190% | 3,202 |
| Net operating income to assets | 0.6196% | 4,182 |
| Return on assets (ROA) | 0.6196% | 4,224 |
| Pretax return on assets | 0.6322% | 4,457 |
| Return on Equity (ROE) | 6.3211% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.3211% | 2,310 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2044% | 951 |
| Assets per employee ($millions) | 3.5517% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 3,909 |
| Loan loss allowance to noncurrent loans | 3,106.6667% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 4,733 |
| Noncurrent loans to loans | 0.0310% | 4,637 |
| Net loans and leases to total assets | 74.9183% | 1,657 |
| Net loans and leases to deposits | 86.4549% | 2,077 |
| Net loans and leases to core deposits | 99.5262% | 1,660 |
| Total domestic deposits to total assets | 86.6559% | 1,981 |
| Equity capital to assets | 9.9404% | 3,880 |
| Core capital (leverage) ratio | 10.3053% | 3,268 |
| Tier 1 risk-based capital ratio | 12.8230% | 3,969 |
| Total risk-based capital ratio | 13.7445% | 4,044 |
| Memoranda: | ||
| Average total assets | $63,271,500 | 4,684 |
| Average earning assets | $59,070,500 | 4,673 |
| Average equity | $6,201,500 | 4,864 |
| Average total loans | $47,877,500 | 4,353 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,792 |
| Cost of funding earning assets | 0.6225% | 2,570 |
| Net interest margin | 3.4598% | 3,836 |
| Noninterest income to average assets | 0.1222% | 5,067 |
| Noninterest expense to average assets | 2.7673% | 2,795 |
| Loan and lease loss provision to assets | 0.0188% | 3,786 |
| Net operating income to assets | 0.4997% | 4,660 |
| Return on assets (ROA) | 0.4795% | 4,705 |
| Pretax return on assets | 0.4858% | 4,817 |
| Return on Equity (ROE) | 5.0542% | 4,443 |
| Retained earnings to average equity (ytd only) | 0.9249% | 4,724 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0552% | 650 |
| Assets per employee ($millions) | 3.4784% | 4,565 |
| Cash dividends to net income (ytd only)* | 81.6993% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 3,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.9537% | 1,782 |
| Net loans and leases to deposits | 86.2573% | 2,241 |
| Net loans and leases to core deposits | 100.0085% | 1,716 |
| Total domestic deposits to total assets | 86.8955% | 1,829 |
| Equity capital to assets | 9.6595% | 3,993 |
| Core capital (leverage) ratio | 10.0956% | 3,464 |
| Tier 1 risk-based capital ratio | 13.0357% | 3,832 |
| Total risk-based capital ratio | 13.9805% | 3,882 |
| Memoranda: | ||
| Average total assets | $63,817,000 | 4,690 |
| Average earning assets | $58,472,000 | 4,699 |
| Average equity | $6,054,400 | 4,886 |
| Average total loans | $46,350,200 | 4,391 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,873 |
| Cost of funding earning assets | 0.6067% | 2,421 |
| Net interest margin | 3.4108% | 3,972 |
| Noninterest income to average assets | 0.1144% | 5,158 |
| Noninterest expense to average assets | 2.7449% | 2,829 |
| Loan and lease loss provision to assets | 0.0187% | 3,635 |
| Net operating income to assets | 0.4655% | 4,828 |
| Return on assets (ROA) | 0.4388% | 4,885 |
| Pretax return on assets | 0.4450% | 4,978 |
| Return on Equity (ROE) | 4.6455% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.8933% | 4,614 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8329% | 590 |
| Assets per employee ($millions) | 3.4457% | 4,628 |
| Cash dividends to net income (ytd only)* | 59.2400% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 3,804 |
| Loan loss allowance to noncurrent loans | 1,483.8710% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 4,718 |
| Noncurrent loans to loans | 0.0670% | 4,581 |
| Net loans and leases to total assets | 73.8367% | 2,010 |
| Net loans and leases to deposits | 85.0260% | 2,474 |
| Net loans and leases to core deposits | 97.8108% | 1,950 |
| Total domestic deposits to total assets | 86.8402% | 1,803 |
| Equity capital to assets | 9.6385% | 3,961 |
| Core capital (leverage) ratio | 10.1600% | 3,452 |
| Tier 1 risk-based capital ratio | 13.2904% | 3,730 |
| Total risk-based capital ratio | 14.2428% | 3,820 |
| Memoranda: | ||
| Average total assets | $64,118,250 | 4,737 |
| Average earning assets | $58,674,250 | 4,743 |
| Average equity | $6,056,000 | 4,939 |
| Average total loans | $46,089,500 | 4,445 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 3,987 |
| Cost of funding earning assets | 0.5702% | 2,434 |
| Net interest margin | 3.3637% | 4,065 |
| Noninterest income to average assets | 0.1142% | 5,213 |
| Noninterest expense to average assets | 2.7092% | 2,987 |
| Loan and lease loss provision to assets | 0.0185% | 3,527 |
| Net operating income to assets | 0.4567% | 4,846 |
| Return on assets (ROA) | 0.4567% | 4,851 |
| Pretax return on assets | 0.4628% | 4,965 |
| Return on Equity (ROE) | 4.8668% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.8668% | 3,146 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9130% | 633 |
| Assets per employee ($millions) | 3.7389% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 3,908 |
| Loan loss allowance to noncurrent loans | 85.1024% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 1,767 |
| Noncurrent loans to loans | 1.1641% | 1,497 |
| Net loans and leases to total assets | 71.8543% | 2,299 |
| Net loans and leases to deposits | 84.0749% | 2,528 |
| Net loans and leases to core deposits | 96.6603% | 2,005 |
| Total domestic deposits to total assets | 85.4646% | 2,510 |
| Equity capital to assets | 9.5450% | 4,058 |
| Core capital (leverage) ratio | 10.2447% | 3,293 |
| Tier 1 risk-based capital ratio | 13.0727% | 3,861 |
| Total risk-based capital ratio | 13.9946% | 3,949 |
| Memoranda: | ||
| Average total assets | $64,817,000 | 4,780 |
| Average earning assets | $59,280,670 | 4,783 |
| Average equity | $6,082,000 | 4,992 |
| Average total loans | $46,034,330 | 4,491 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 4,102 |
| Cost of funding earning assets | 0.5605% | 2,313 |
| Net interest margin | 3.2830% | 4,232 |
| Noninterest income to average assets | 0.1222% | 5,244 |
| Noninterest expense to average assets | 2.6649% | 3,146 |
| Loan and lease loss provision to assets | 0.0183% | 3,295 |
| Net operating income to assets | 0.4401% | 4,841 |
| Return on assets (ROA) | 0.4401% | 4,844 |
| Pretax return on assets | 0.4462% | 4,964 |
| Return on Equity (ROE) | 4.7295% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.7295% | 3,296 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1563% | 701 |
| Assets per employee ($millions) | 3.9204% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 4,029 |
| Loan loss allowance to noncurrent loans | 1,513.3333% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,880 |
| Noncurrent loans to loans | 0.0653% | 4,682 |
| Net loans and leases to total assets | 68.2817% | 2,730 |
| Net loans and leases to deposits | 75.3103% | 3,290 |
| Net loans and leases to core deposits | 86.0051% | 2,803 |
| Total domestic deposits to total assets | 90.6671% | 420 |
| Equity capital to assets | 9.0793% | 4,478 |
| Core capital (leverage) ratio | 9.9230% | 3,610 |
| Tier 1 risk-based capital ratio | 13.1472% | 3,879 |
| Total risk-based capital ratio | 14.0792% | 3,936 |
| Memoranda: | ||
| Average total assets | $65,444,500 | 4,826 |
| Average earning assets | $59,944,500 | 4,828 |
| Average equity | $6,089,500 | 5,041 |
| Average total loans | $45,987,000 | 4,540 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 3,925 |
| Cost of funding earning assets | 0.5743% | 1,786 |
| Net interest margin | 3.2619% | 4,280 |
| Noninterest income to average assets | 0.1351% | 5,272 |
| Noninterest expense to average assets | 2.6066% | 3,422 |
| Loan and lease loss provision to assets | 0.0186% | 3,927 |
| Net operating income to assets | 0.4769% | 4,437 |
| Return on assets (ROA) | 0.4769% | 4,474 |
| Pretax return on assets | 0.4831% | 4,949 |
| Return on Equity (ROE) | 4.9556% | 4,176 |
| Retained earnings to average equity (ytd only) | 0.9201% | 4,651 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8581% | 780 |
| Assets per employee ($millions) | 3.5691% | 4,612 |
| Cash dividends to net income (ytd only)* | 81.4332% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 4,052 |
| Loan loss allowance to noncurrent loans | 145.0161% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 2,943 |
| Noncurrent loans to loans | 0.6759% | 2,521 |
| Net loans and leases to total assets | 70.9213% | 2,379 |
| Net loans and leases to deposits | 78.5823% | 3,054 |
| Net loans and leases to core deposits | 90.3703% | 2,529 |
| Total domestic deposits to total assets | 90.2511% | 482 |
| Equity capital to assets | 9.5388% | 4,202 |
| Core capital (leverage) ratio | 9.8871% | 3,597 |
| Tier 1 risk-based capital ratio | 13.1244% | 3,833 |
| Total risk-based capital ratio | 14.0592% | 3,925 |
| Memoranda: | ||
| Average total assets | $64,374,200 | 4,869 |
| Average earning assets | $58,677,200 | 4,888 |
| Average equity | $6,195,000 | 5,068 |
| Average total loans | $45,663,600 | 4,576 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8218% | 3,933 |
| Cost of funding earning assets | 0.5771% | 1,693 |
| Net interest margin | 3.2447% | 4,342 |
| Noninterest income to average assets | 0.1304% | 5,357 |
| Noninterest expense to average assets | 2.5835% | 3,458 |
| Loan and lease loss provision to assets | 0.0186% | 3,771 |
| Net operating income to assets | 0.4782% | 4,795 |
| Return on assets (ROA) | 0.4782% | 4,836 |
| Pretax return on assets | 0.4844% | 5,059 |
| Return on Equity (ROE) | 4.9582% | 4,542 |
| Retained earnings to average equity (ytd only) | 2.2752% | 4,503 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7022% | 778 |
| Assets per employee ($millions) | 3.4814% | 4,752 |
| Cash dividends to net income (ytd only)* | 54.1121% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 4,214 |
| Loan loss allowance to noncurrent loans | 4,072.7273% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 5,166 |
| Noncurrent loans to loans | 0.0239% | 5,012 |
| Net loans and leases to total assets | 72.6439% | 2,154 |
| Net loans and leases to deposits | 81.0205% | 2,874 |
| Net loans and leases to core deposits | 92.4494% | 2,398 |
| Total domestic deposits to total assets | 89.6611% | 599 |
| Equity capital to assets | 10.0645% | 3,835 |
| Core capital (leverage) ratio | 10.1452% | 3,386 |
| Tier 1 risk-based capital ratio | 13.3578% | 3,789 |
| Total risk-based capital ratio | 14.2956% | 3,888 |
| Memoranda: | ||
| Average total assets | $64,407,000 | 4,924 |
| Average earning assets | $58,679,500 | 4,941 |
| Average equity | $6,211,750 | 5,124 |
| Average total loans | $45,576,250 | 4,622 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7597% | 4,034 |
| Cost of funding earning assets | 0.5821% | 1,562 |
| Net interest margin | 3.1776% | 4,480 |
| Noninterest income to average assets | 0.1262% | 5,420 |
| Noninterest expense to average assets | 2.5543% | 3,568 |
| Loan and lease loss provision to assets | 0.0185% | 3,597 |
| Net operating income to assets | 0.4370% | 4,876 |
| Return on assets (ROA) | 0.4370% | 4,900 |
| Pretax return on assets | 0.4432% | 5,095 |
| Return on Equity (ROE) | 4.5955% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.5955% | 2,978 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6939% | 788 |
| Assets per employee ($millions) | 3.5617% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 4,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.4682% | 2,287 |
| Net loans and leases to deposits | 79.5538% | 2,960 |
| Net loans and leases to core deposits | 91.9377% | 2,344 |
| Total domestic deposits to total assets | 89.8364% | 586 |
| Equity capital to assets | 9.9468% | 3,976 |
| Core capital (leverage) ratio | 9.9084% | 3,647 |
| Tier 1 risk-based capital ratio | 13.3230% | 3,791 |
| Total risk-based capital ratio | 14.2469% | 3,919 |
| Memoranda: | ||
| Average total assets | $64,987,330 | 4,951 |
| Average earning assets | $59,100,670 | 4,972 |
| Average equity | $6,180,000 | 5,163 |
| Average total loans | $45,444,670 | 4,652 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 4,139 |
| Cost of funding earning assets | 0.5802% | 1,510 |
| Net interest margin | 3.1102% | 4,624 |
| Noninterest income to average assets | 0.1223% | 5,503 |
| Noninterest expense to average assets | 2.5189% | 3,750 |
| Loan and lease loss provision to assets | 0.0917% | 2,008 |
| Net operating income to assets | 0.3240% | 5,136 |
| Return on assets (ROA) | 0.3240% | 5,163 |
| Pretax return on assets | 0.3301% | 5,271 |
| Return on Equity (ROE) | 3.4860% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.4860% | 3,694 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6549% | 826 |
| Assets per employee ($millions) | 3.6080% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 4,256 |
| Loan loss allowance to noncurrent loans | 22,700.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,365 |
| Noncurrent loans to loans | 0.0044% | 5,252 |
| Net loans and leases to total assets | 68.9456% | 2,541 |
| Net loans and leases to deposits | 76.3731% | 3,150 |
| Net loans and leases to core deposits | 90.0165% | 2,345 |
| Total domestic deposits to total assets | 90.2747% | 552 |
| Equity capital to assets | 9.4851% | 4,292 |
| Core capital (leverage) ratio | 9.8405% | 3,706 |
| Tier 1 risk-based capital ratio | 14.2068% | 3,360 |
| Total risk-based capital ratio | 15.2261% | 3,408 |
| Memoranda: | ||
| Average total assets | $65,425,500 | 4,996 |
| Average earning assets | $59,288,500 | 5,020 |
| Average equity | $6,081,500 | 5,224 |
| Average total loans | $45,035,000 | 4,702 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5844% | 4,553 |
| Cost of funding earning assets | 0.6234% | 1,178 |
| Net interest margin | 2.9609% | 5,032 |
| Noninterest income to average assets | 0.1437% | 5,476 |
| Noninterest expense to average assets | 2.4615% | 4,125 |
| Loan and lease loss provision to assets | 0.0898% | 2,573 |
| Net operating income to assets | 0.2814% | 5,257 |
| Return on assets (ROA) | 0.3591% | 5,144 |
| Pretax return on assets | 0.3651% | 5,271 |
| Return on Equity (ROE) | 3.8309% | 4,892 |
| Retained earnings to average equity (ytd only) | -0.1596% | 5,328 |
| Net charge-offs to loans | 0.0111% | 3,897 |
| Credit loss provision to net charge-offs | 1,200.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 50.2000% | 1,003 |
| Efficiency ratio | 86.7616% | 764 |
| Assets per employee ($millions) | 3.6615% | 4,529 |
| Cash dividends to net income (ytd only)* | 104.1667% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 4,442 |
| Loan loss allowance to noncurrent loans | 14,633.3333% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,418 |
| Noncurrent loans to loans | 0.0067% | 5,281 |
| Net loans and leases to total assets | 67.3692% | 2,876 |
| Net loans and leases to deposits | 74.2939% | 3,482 |
| Net loans and leases to core deposits | 87.3451% | 2,745 |
| Total domestic deposits to total assets | 90.6793% | 390 |
| Equity capital to assets | 9.1083% | 4,698 |
| Core capital (leverage) ratio | 9.8595% | 3,680 |
| Tier 1 risk-based capital ratio | 14.0443% | 3,444 |
| Total risk-based capital ratio | 15.0269% | 3,499 |
| Memoranda: | ||
| Average total assets | $66,829,000 | 4,991 |
| Average earning assets | $60,791,600 | 5,000 |
| Average equity | $6,264,800 | 5,238 |
| Average total loans | $45,031,400 | 4,712 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5862% | 4,591 |
| Cost of funding earning assets | 0.6311% | 1,135 |
| Net interest margin | 2.9551% | 5,087 |
| Noninterest income to average assets | 0.1451% | 5,534 |
| Noninterest expense to average assets | 2.4813% | 4,040 |
| Loan and lease loss provision to assets | 0.0895% | 2,436 |
| Net operating income to assets | 0.2698% | 5,349 |
| Return on assets (ROA) | 0.4036% | 5,104 |
| Pretax return on assets | 0.4096% | 5,286 |
| Return on Equity (ROE) | 4.2757% | 4,803 |
| Retained earnings to average equity (ytd only) | -0.9900% | 5,490 |
| Net charge-offs to loans | 0.0266% | 3,137 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 20.3325% | 1,879 |
| Efficiency ratio | 87.2117% | 723 |
| Assets per employee ($millions) | 3.4678% | 4,813 |
| Cash dividends to net income (ytd only)* | 123.1545% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 4,676 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 5,412 |
| Noncurrent loans to loans | 0.0338% | 5,241 |
| Net loans and leases to total assets | 70.3621% | 2,441 |
| Net loans and leases to deposits | 78.6097% | 3,119 |
| Net loans and leases to core deposits | 94.3076% | 2,165 |
| Total domestic deposits to total assets | 89.5082% | 669 |
| Equity capital to assets | 10.1474% | 3,985 |
| Core capital (leverage) ratio | 9.9304% | 3,660 |
| Tier 1 risk-based capital ratio | 14.3294% | 3,380 |
| Total risk-based capital ratio | 15.2941% | 3,460 |
| Memoranda: | ||
| Average total assets | $67,059,500 | 5,036 |
| Average earning assets | $61,270,500 | 5,032 |
| Average equity | $6,330,250 | 5,277 |
| Average total loans | $45,079,250 | 4,750 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5486% | 4,752 |
| Cost of funding earning assets | 0.6242% | 1,166 |
| Net interest margin | 2.9244% | 5,223 |
| Noninterest income to average assets | 0.1312% | 5,661 |
| Noninterest expense to average assets | 2.4342% | 4,222 |
| Loan and lease loss provision to assets | 0.0875% | 2,396 |
| Net operating income to assets | 0.2964% | 5,337 |
| Return on assets (ROA) | 0.4927% | 4,806 |
| Pretax return on assets | 0.4985% | 5,132 |
| Return on Equity (ROE) | 5.3405% | 4,362 |
| Retained earnings to average equity (ytd only) | 1.3904% | 4,822 |
| Net charge-offs to loans | 0.0397% | 2,666 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 14.7778% | 2,041 |
| Efficiency ratio | 86.2603% | 855 |
| Assets per employee ($millions) | 3.6090% | 4,585 |
| Cash dividends to net income (ytd only)* | 73.9645% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 4,940 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 5,545 |
| Noncurrent loans to loans | 0.0224% | 5,382 |
| Net loans and leases to total assets | 68.2122% | 2,749 |
| Net loans and leases to deposits | 75.9560% | 3,390 |
| Net loans and leases to core deposits | 90.9729% | 2,438 |
| Total domestic deposits to total assets | 89.8048% | 561 |
| Equity capital to assets | 9.8719% | 4,365 |
| Core capital (leverage) ratio | 9.6567% | 3,992 |
| Tier 1 risk-based capital ratio | 14.1909% | 3,503 |
| Total risk-based capital ratio | 15.0990% | 3,611 |
| Memoranda: | ||
| Average total assets | $68,606,000 | 5,056 |
| Average earning assets | $63,124,330 | 5,047 |
| Average equity | $6,329,000 | 5,327 |
| Average total loans | $45,325,670 | 4,789 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 5,031 |
| Cost of funding earning assets | 0.6152% | 1,238 |
| Net interest margin | 2.8239% | 5,436 |
| Noninterest income to average assets | 0.1363% | 5,666 |
| Noninterest expense to average assets | 2.3911% | 4,396 |
| Loan and lease loss provision to assets | 0.0852% | 2,256 |
| Net operating income to assets | 0.2629% | 5,403 |
| Return on assets (ROA) | 0.4260% | 4,993 |
| Pretax return on assets | 0.4316% | 5,241 |
| Return on Equity (ROE) | 4.7718% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.7718% | 3,082 |
| Net charge-offs to loans | 0.0789% | 1,693 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 6.8889% | 2,199 |
| Efficiency ratio | 87.1636% | 878 |
| Assets per employee ($millions) | 3.7742% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 5,259 |
| Loan loss allowance to noncurrent loans | 67.4740% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 2,563 |
| Noncurrent loans to loans | 1.2429% | 1,946 |
| Net loans and leases to total assets | 67.8771% | 2,662 |
| Net loans and leases to deposits | 79.0662% | 2,893 |
| Net loans and leases to core deposits | 94.2081% | 1,971 |
| Total domestic deposits to total assets | 85.8484% | 2,738 |
| Equity capital to assets | 9.4280% | 4,741 |
| Core capital (leverage) ratio | 9.1336% | 4,688 |
| Tier 1 risk-based capital ratio | 13.3462% | 4,070 |
| Total risk-based capital ratio | 14.1646% | 4,228 |
| Memoranda: | ||
| Average total assets | $70,428,000 | 5,059 |
| Average earning assets | $65,016,500 | 5,048 |
| Average equity | $6,287,000 | 5,366 |
| Average total loans | $45,630,000 | 4,817 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 4,662 |
| Cost of funding earning assets | 0.6495% | 1,074 |
| Net interest margin | 2.9556% | 5,233 |
| Noninterest income to average assets | 0.1501% | 5,663 |
| Noninterest expense to average assets | 2.3735% | 4,579 |
| Loan and lease loss provision to assets | 0.0850% | 2,596 |
| Net operating income to assets | 0.4137% | 5,008 |
| Return on assets (ROA) | 0.4291% | 5,032 |
| Pretax return on assets | 0.4334% | 5,257 |
| Return on Equity (ROE) | 5.0139% | 4,495 |
| Retained earnings to average equity (ytd only) | 5.0139% | 2,404 |
| Net charge-offs to loans | 0.0522% | 3,154 |
| Credit loss provision to net charge-offs | 250.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 14.7917% | 2,263 |
| Efficiency ratio | 82.5209% | 1,337 |
| Assets per employee ($millions) | 4.2894% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 5,240 |
| Loan loss allowance to noncurrent loans | 153.6000% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 4,215 |
| Noncurrent loans to loans | 0.5586% | 3,494 |
| Net loans and leases to total assets | 60.8516% | 3,718 |
| Net loans and leases to deposits | 69.8271% | 3,941 |
| Net loans and leases to core deposits | 82.0173% | 3,144 |
| Total domestic deposits to total assets | 87.1462% | 2,053 |
| Equity capital to assets | 8.4600% | 5,593 |
| Core capital (leverage) ratio | 8.8820% | 5,024 |
| Tier 1 risk-based capital ratio | 13.3516% | 4,078 |
| Total risk-based capital ratio | 14.1674% | 4,268 |
| Memoranda: | ||
| Average total assets | $70,611,800 | 5,081 |
| Average earning assets | $65,129,800 | 5,058 |
| Average equity | $6,043,200 | 5,426 |
| Average total loans | $46,016,200 | 4,794 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6546% | 4,561 |
| Cost of funding earning assets | 0.6607% | 1,030 |
| Net interest margin | 2.9939% | 5,204 |
| Noninterest income to average assets | 0.1485% | 5,743 |
| Noninterest expense to average assets | 2.3873% | 4,547 |
| Loan and lease loss provision to assets | 0.0857% | 2,450 |
| Net operating income to assets | 0.4324% | 5,040 |
| Return on assets (ROA) | 0.4531% | 5,051 |
| Pretax return on assets | 0.4569% | 5,335 |
| Return on Equity (ROE) | 5.2785% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.2785% | 2,740 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0681% | 1,389 |
| Assets per employee ($millions) | 3.6579% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 5,350 |
| Loan loss allowance to noncurrent loans | 120.1835% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 3,918 |
| Noncurrent loans to loans | 0.7118% | 3,198 |
| Net loans and leases to total assets | 65.5367% | 3,084 |
| Net loans and leases to deposits | 75.7807% | 3,329 |
| Net loans and leases to core deposits | 92.7979% | 2,189 |
| Total domestic deposits to total assets | 86.4820% | 2,292 |
| Equity capital to assets | 8.9122% | 5,385 |
| Core capital (leverage) ratio | 8.8673% | 5,157 |
| Tier 1 risk-based capital ratio | 12.9627% | 4,442 |
| Total risk-based capital ratio | 13.7817% | 4,640 |
| Memoranda: | ||
| Average total assets | $70,034,750 | 5,158 |
| Average earning assets | $64,575,250 | 5,135 |
| Average equity | $6,011,750 | 5,494 |
| Average total loans | $46,331,000 | 4,834 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 4,550 |
| Cost of funding earning assets | 0.6653% | 1,022 |
| Net interest margin | 2.9923% | 5,244 |
| Noninterest income to average assets | 0.1424% | 5,854 |
| Noninterest expense to average assets | 2.3386% | 4,748 |
| Loan and lease loss provision to assets | 0.0855% | 2,405 |
| Net operating income to assets | 0.4703% | 4,890 |
| Return on assets (ROA) | 0.5013% | 4,871 |
| Pretax return on assets | 0.5042% | 5,213 |
| Return on Equity (ROE) | 5.9150% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.9150% | 2,295 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7276% | 1,658 |
| Assets per employee ($millions) | 3.8320% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 5,545 |
| Loan loss allowance to noncurrent loans | 115.5963% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 4,033 |
| Noncurrent loans to loans | 0.7100% | 3,362 |
| Net loans and leases to total assets | 66.2259% | 2,911 |
| Net loans and leases to deposits | 76.3484% | 3,226 |
| Net loans and leases to core deposits | 92.0615% | 2,152 |
| Total domestic deposits to total assets | 86.7418% | 2,299 |
| Equity capital to assets | 8.6320% | 5,578 |
| Core capital (leverage) ratio | 8.8192% | 5,205 |
| Tier 1 risk-based capital ratio | 12.8554% | 4,594 |
| Total risk-based capital ratio | 13.6445% | 4,789 |
| Memoranda: | ||
| Average total assets | $70,213,000 | 5,207 |
| Average earning assets | $64,632,670 | 5,186 |
| Average equity | $5,951,000 | 5,562 |
| Average total loans | $46,461,000 | 4,871 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 4,551 |
| Cost of funding earning assets | 0.6810% | 942 |
| Net interest margin | 2.9635% | 5,306 |
| Noninterest income to average assets | 0.1355% | 5,926 |
| Noninterest expense to average assets | 2.2984% | 4,886 |
| Loan and lease loss provision to assets | 0.0847% | 2,281 |
| Net operating income to assets | 0.4800% | 4,767 |
| Return on assets (ROA) | 0.5421% | 4,619 |
| Pretax return on assets | 0.5421% | 5,066 |
| Return on Equity (ROE) | 6.4543% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.4543% | 2,260 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2761% | 1,868 |
| Assets per employee ($millions) | 4.1738% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 5,736 |
| Loan loss allowance to noncurrent loans | 88.5366% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5778% | 3,749 |
| Noncurrent loans to loans | 0.8838% | 3,034 |
| Net loans and leases to total assets | 64.8730% | 2,966 |
| Net loans and leases to deposits | 74.6065% | 3,216 |
| Net loans and leases to core deposits | 90.7424% | 2,061 |
| Total domestic deposits to total assets | 86.9535% | 2,397 |
| Equity capital to assets | 8.5633% | 5,695 |
| Core capital (leverage) ratio | 8.5365% | 5,488 |
| Tier 1 risk-based capital ratio | 12.5227% | 4,890 |
| Total risk-based capital ratio | 13.2706% | 5,121 |
| Memoranda: | ||
| Average total assets | $70,831,500 | 5,237 |
| Average earning assets | $65,194,000 | 5,228 |
| Average equity | $5,949,500 | 5,611 |
| Average total loans | $46,662,500 | 4,892 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 4,630 |
| Cost of funding earning assets | 0.7195% | 1,010 |
| Net interest margin | 3.0364% | 5,359 |
| Noninterest income to average assets | 0.1535% | 5,928 |
| Noninterest expense to average assets | 2.2792% | 5,159 |
| Loan and lease loss provision to assets | 0.0861% | 2,751 |
| Net operating income to assets | 0.5895% | 4,428 |
| Return on assets (ROA) | 0.6039% | 4,443 |
| Pretax return on assets | 0.6053% | 4,922 |
| Return on Equity (ROE) | 7.8463% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.8463% | 1,076 |
| Net charge-offs to loans | 0.2266% | 1,858 |
| Credit loss provision to net charge-offs | 58.8235% | 3,310 |
| Earnings coverage of net charge-offs (x) | 4.6275% | 3,604 |
| Efficiency ratio | 77.0985% | 2,342 |
| Assets per employee ($millions) | 4.1594% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 5,904 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 3,602 |
| Noncurrent loans to loans | 0.9887% | 2,858 |
| Net loans and leases to total assets | 65.8813% | 2,903 |
| Net loans and leases to deposits | 75.4959% | 3,255 |
| Net loans and leases to core deposits | 91.8672% | 2,104 |
| Total domestic deposits to total assets | 87.2647% | 2,140 |
| Equity capital to assets | 8.2352% | 5,941 |
| Core capital (leverage) ratio | 8.3875% | 5,676 |
| Tier 1 risk-based capital ratio | 12.1806% | 5,244 |
| Total risk-based capital ratio | 12.8892% | 5,489 |
| Memoranda: | ||
| Average total assets | $69,717,800 | 5,302 |
| Average earning assets | $64,352,000 | 5,269 |
| Average equity | $5,365,600 | 5,773 |
| Average total loans | $45,005,800 | 4,993 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,657 |
| Cost of funding earning assets | 0.7222% | 1,035 |
| Net interest margin | 3.0471% | 5,387 |
| Noninterest income to average assets | 0.1478% | 6,029 |
| Noninterest expense to average assets | 2.2973% | 5,117 |
| Loan and lease loss provision to assets | 0.0864% | 2,624 |
| Net operating income to assets | 0.5719% | 4,584 |
| Return on assets (ROA) | 0.5719% | 4,659 |
| Pretax return on assets | 0.5738% | 5,113 |
| Return on Equity (ROE) | 7.5662% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.5662% | 1,552 |
| Net charge-offs to loans | 0.0270% | 3,961 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 38.2217% | 1,167 |
| Efficiency ratio | 77.6768% | 2,235 |
| Assets per employee ($millions) | 4.1085% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 5,512 |
| Loan loss allowance to noncurrent loans | 133.5423% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 4,528 |
| Noncurrent loans to loans | 0.6931% | 3,878 |
| Net loans and leases to total assets | 65.2826% | 2,983 |
| Net loans and leases to deposits | 74.6533% | 3,350 |
| Net loans and leases to core deposits | 91.1373% | 2,101 |
| Total domestic deposits to total assets | 87.4477% | 2,065 |
| Equity capital to assets | 7.9606% | 6,154 |
| Core capital (leverage) ratio | 8.3003% | 5,836 |
| Tier 1 risk-based capital ratio | 11.9773% | 5,503 |
| Total risk-based capital ratio | 12.8484% | 5,657 |
| Memoranda: | ||
| Average total assets | $69,470,000 | 5,361 |
| Average earning assets | $64,058,750 | 5,332 |
| Average equity | $5,251,250 | 5,859 |
| Average total loans | $44,524,250 | 5,070 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7462% | 4,712 |
| Cost of funding earning assets | 0.7329% | 1,004 |
| Net interest margin | 3.0132% | 5,483 |
| Noninterest income to average assets | 0.1471% | 6,079 |
| Noninterest expense to average assets | 2.2669% | 5,238 |
| Loan and lease loss provision to assets | 0.0865% | 2,585 |
| Net operating income to assets | 0.5653% | 4,520 |
| Return on assets (ROA) | 0.5653% | 4,623 |
| Pretax return on assets | 0.5682% | 5,063 |
| Return on Equity (ROE) | 7.6141% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.6141% | 1,473 |
| Net charge-offs to loans | 0.0409% | 3,412 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 25.2222% | 1,404 |
| Efficiency ratio | 77.5913% | 2,359 |
| Assets per employee ($millions) | 3.9851% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 5,636 |
| Loan loss allowance to noncurrent loans | 80.2734% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 3,705 |
| Noncurrent loans to loans | 1.1568% | 2,913 |
| Net loans and leases to total assets | 64.7246% | 2,956 |
| Net loans and leases to deposits | 71.7284% | 3,605 |
| Net loans and leases to core deposits | 86.5025% | 2,468 |
| Total domestic deposits to total assets | 90.2357% | 695 |
| Equity capital to assets | 7.9841% | 6,163 |
| Core capital (leverage) ratio | 8.4161% | 5,728 |
| Tier 1 risk-based capital ratio | 12.2294% | 5,399 |
| Total risk-based capital ratio | 13.1025% | 5,549 |
| Memoranda: | ||
| Average total assets | $69,345,330 | 5,414 |
| Average earning assets | $63,851,670 | 5,390 |
| Average equity | $5,148,330 | 5,924 |
| Average total loans | $44,025,000 | 5,125 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 4,765 |
| Cost of funding earning assets | 0.7545% | 956 |
| Net interest margin | 2.9685% | 5,602 |
| Noninterest income to average assets | 0.1312% | 6,194 |
| Noninterest expense to average assets | 2.2354% | 5,367 |
| Loan and lease loss provision to assets | 0.0855% | 2,478 |
| Net operating income to assets | 0.5417% | 4,494 |
| Return on assets (ROA) | 0.5417% | 4,567 |
| Pretax return on assets | 0.5474% | 5,020 |
| Return on Equity (ROE) | 7.5727% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.5727% | 1,783 |
| Net charge-offs to loans | 0.0820% | 2,332 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,722 |
| Efficiency ratio | 77.9324% | 2,484 |
| Assets per employee ($millions) | 4.0974% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 5,860 |
| Loan loss allowance to noncurrent loans | 81.8182% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 4,026 |
| Noncurrent loans to loans | 1.1031% | 3,217 |
| Net loans and leases to total assets | 62.4205% | 3,167 |
| Net loans and leases to deposits | 67.5958% | 3,902 |
| Net loans and leases to core deposits | 81.4427% | 2,801 |
| Total domestic deposits to total assets | 92.3437% | 189 |
| Equity capital to assets | 7.3649% | 6,357 |
| Core capital (leverage) ratio | 8.0820% | 6,058 |
| Tier 1 risk-based capital ratio | 12.2196% | 5,495 |
| Total risk-based capital ratio | 13.0753% | 5,682 |
| Memoranda: | ||
| Average total assets | $70,144,500 | 5,440 |
| Average earning assets | $64,679,000 | 5,422 |
| Average equity | $5,018,000 | 5,991 |
| Average total loans | $43,907,500 | 5,169 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 4,464 |
| Cost of funding earning assets | 0.8139% | 1,134 |
| Net interest margin | 3.0861% | 5,353 |
| Noninterest income to average assets | 0.1799% | 6,009 |
| Noninterest expense to average assets | 2.2585% | 5,483 |
| Loan and lease loss provision to assets | 0.0885% | 3,341 |
| Net operating income to assets | 0.6619% | 3,973 |
| Return on assets (ROA) | 0.6619% | 4,076 |
| Pretax return on assets | 0.6782% | 4,614 |
| Return on Equity (ROE) | 8.5335% | 2,771 |
| Retained earnings to average equity (ytd only) | -0.9693% | 6,056 |
| Net charge-offs to loans | 0.2759% | 2,323 |
| Credit loss provision to net charge-offs | 53.5714% | 3,736 |
| Earnings coverage of net charge-offs (x) | 4.6429% | 3,505 |
| Efficiency ratio | 74.6589% | 3,021 |
| Assets per employee ($millions) | 4.1549% | 3,523 |
| Cash dividends to net income (ytd only)* | 111.3586% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 5,965 |
| Loan loss allowance to noncurrent loans | 71.0383% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9924% | 3,432 |
| Noncurrent loans to loans | 1.2494% | 3,040 |
| Net loans and leases to total assets | 61.6559% | 3,415 |
| Net loans and leases to deposits | 66.4804% | 4,246 |
| Net loans and leases to core deposits | 79.5754% | 3,179 |
| Total domestic deposits to total assets | 92.7429% | 162 |
| Equity capital to assets | 6.9457% | 6,469 |
| Core capital (leverage) ratio | 7.8251% | 6,230 |
| Tier 1 risk-based capital ratio | 10.8231% | 6,252 |
| Total risk-based capital ratio | 11.5821% | 6,382 |
| Memoranda: | ||
| Average total assets | $67,831,600 | 5,545 |
| Average earning assets | $62,537,600 | 5,523 |
| Average equity | $5,261,600 | 6,004 |
| Average total loans | $40,592,800 | 5,322 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 4,316 |
| Cost of funding earning assets | 0.8188% | 1,214 |
| Net interest margin | 3.1310% | 5,228 |
| Noninterest income to average assets | 0.1847% | 6,088 |
| Noninterest expense to average assets | 2.2125% | 5,575 |
| Loan and lease loss provision to assets | 0.0894% | 3,271 |
| Net operating income to assets | 0.7508% | 3,597 |
| Return on assets (ROA) | 0.7508% | 3,723 |
| Pretax return on assets | 0.7686% | 4,427 |
| Return on Equity (ROE) | 9.4195% | 2,436 |
| Retained earnings to average equity (ytd only) | -3.0401% | 6,357 |
| Net charge-offs to loans | 0.0168% | 4,792 |
| Credit loss provision to net charge-offs | 900.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 86.3553% | 554 |
| Efficiency ratio | 72.0569% | 3,394 |
| Assets per employee ($millions) | 4.1129% | 3,612 |
| Cash dividends to net income (ytd only)* | 132.2744% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 5,023 |
| Loan loss allowance to noncurrent loans | 50.8976% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 1.3544% | 2,933 |
| Noncurrent loans to loans | 2.2978% | 1,910 |
| Net loans and leases to total assets | 58.2551% | 3,970 |
| Net loans and leases to deposits | 62.8745% | 4,645 |
| Net loans and leases to core deposits | 72.5647% | 4,025 |
| Total domestic deposits to total assets | 92.6530% | 156 |
| Equity capital to assets | 7.0266% | 6,544 |
| Core capital (leverage) ratio | 8.0340% | 6,197 |
| Tier 1 risk-based capital ratio | 11.2144% | 6,181 |
| Total risk-based capital ratio | 12.1992% | 6,267 |
| Memoranda: | ||
| Average total assets | $67,131,000 | 5,622 |
| Average earning assets | $61,873,500 | 5,597 |
| Average equity | $5,350,500 | 6,048 |
| Average total loans | $39,756,000 | 5,407 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 4,006 |
| Cost of funding earning assets | 0.8361% | 1,225 |
| Net interest margin | 3.1902% | 4,981 |
| Noninterest income to average assets | 0.1692% | 6,204 |
| Noninterest expense to average assets | 2.2145% | 5,596 |
| Loan and lease loss provision to assets | 0.0906% | 3,274 |
| Net operating income to assets | 0.7825% | 3,392 |
| Return on assets (ROA) | 0.7825% | 3,554 |
| Pretax return on assets | 0.8036% | 4,304 |
| Return on Equity (ROE) | 9.4245% | 2,446 |
| Retained earnings to average equity (ytd only) | 0.3275% | 5,761 |
| Net charge-offs to loans | 0.0255% | 4,341 |
| Credit loss provision to net charge-offs | 600.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 59.2000% | 711 |
| Efficiency ratio | 71.2342% | 3,606 |
| Assets per employee ($millions) | 3.9461% | 3,919 |
| Cash dividends to net income (ytd only)* | 96.5251% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,035 |
| Loan loss allowance to noncurrent loans | 60.1030% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.1583% | 3,433 |
| Noncurrent loans to loans | 1.9817% | 2,423 |
| Net loans and leases to total assets | 57.7508% | 4,028 |
| Net loans and leases to deposits | 62.7883% | 4,655 |
| Net loans and leases to core deposits | 72.3968% | 3,995 |
| Total domestic deposits to total assets | 91.9771% | 254 |
| Equity capital to assets | 7.6756% | 6,379 |
| Core capital (leverage) ratio | 8.3835% | 5,785 |
| Tier 1 risk-based capital ratio | 11.9395% | 5,827 |
| Total risk-based capital ratio | 12.9315% | 5,957 |
| Memoranda: | ||
| Average total assets | $66,201,330 | 5,685 |
| Average earning assets | $60,999,330 | 5,663 |
| Average equity | $5,496,330 | 6,044 |
| Average total loans | $39,270,000 | 5,456 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 3,836 |
| Cost of funding earning assets | 0.8381% | 1,321 |
| Net interest margin | 3.2336% | 4,788 |
| Noninterest income to average assets | 0.1642% | 6,276 |
| Noninterest expense to average assets | 2.1898% | 5,717 |
| Loan and lease loss provision to assets | 0.0912% | 3,138 |
| Net operating income to assets | 0.8333% | 2,991 |
| Return on assets (ROA) | 0.8333% | 3,133 |
| Pretax return on assets | 0.8637% | 3,897 |
| Return on Equity (ROE) | 9.6649% | 2,202 |
| Retained earnings to average equity (ytd only) | -7.9718% | 6,522 |
| Net charge-offs to loans | 0.0509% | 3,319 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 31.4000% | 942 |
| Efficiency ratio | 69.6325% | 4,032 |
| Assets per employee ($millions) | 3.8985% | 4,164 |
| Cash dividends to net income (ytd only)* | 182.4818% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,402 |
| Loan loss allowance to noncurrent loans | 37.5104% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 1.8182% | 2,590 |
| Noncurrent loans to loans | 3.0696% | 1,629 |
| Net loans and leases to total assets | 58.5500% | 3,688 |
| Net loans and leases to deposits | 64.1664% | 4,292 |
| Net loans and leases to core deposits | 72.8508% | 3,719 |
| Total domestic deposits to total assets | 91.2471% | 428 |
| Equity capital to assets | 8.4783% | 6,039 |
| Core capital (leverage) ratio | 8.4323% | 5,662 |
| Tier 1 risk-based capital ratio | 11.6837% | 6,097 |
| Total risk-based capital ratio | 12.6442% | 6,216 |
| Memoranda: | ||
| Average total assets | $65,760,500 | 5,746 |
| Average earning assets | $60,613,500 | 5,726 |
| Average equity | $5,670,000 | 6,057 |
| Average total loans | $39,301,000 | 5,496 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 3,491 |
| Cost of funding earning assets | 1.0738% | 1,003 |
| Net interest margin | 3.4044% | 4,867 |
| Noninterest income to average assets | 0.1892% | 6,051 |
| Noninterest expense to average assets | 2.2753% | 5,753 |
| Loan and lease loss provision to assets | 0.0938% | 4,501 |
| Net operating income to assets | 0.9182% | 2,724 |
| Return on assets (ROA) | 0.9336% | 2,878 |
| Pretax return on assets | 0.9492% | 3,748 |
| Return on Equity (ROE) | 10.7247% | 1,897 |
| Retained earnings to average equity (ytd only) | 6.2336% | 1,959 |
| Net charge-offs to loans | 0.0478% | 5,246 |
| Credit loss provision to net charge-offs | 333.3333% | 728 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 866 |
| Efficiency ratio | 68.8920% | 3,989 |
| Assets per employee ($millions) | 3.8380% | 4,294 |
| Cash dividends to net income (ytd only)* | 41.8760% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 5,461 |
| Loan loss allowance to noncurrent loans | 38.5017% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 1.7595% | 2,762 |
| Noncurrent loans to loans | 2.9177% | 1,792 |
| Net loans and leases to total assets | 59.6266% | 3,670 |
| Net loans and leases to deposits | 65.5888% | 4,347 |
| Net loans and leases to core deposits | 74.6217% | 3,703 |
| Total domestic deposits to total assets | 90.9098% | 528 |
| Equity capital to assets | 8.7684% | 5,772 |
| Core capital (leverage) ratio | 8.4952% | 5,617 |
| Tier 1 risk-based capital ratio | 11.8975% | 5,844 |
| Total risk-based capital ratio | 12.8348% | 6,003 |
| Memoranda: | ||
| Average total assets | $63,948,200 | 5,818 |
| Average earning assets | $58,483,400 | 5,798 |
| Average equity | $5,566,600 | 6,132 |
| Average total loans | $37,628,600 | 5,608 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 3,401 |
| Cost of funding earning assets | 1.1196% | 987 |
| Net interest margin | 3.4369% | 4,889 |
| Noninterest income to average assets | 0.1886% | 6,165 |
| Noninterest expense to average assets | 2.2276% | 5,889 |
| Loan and lease loss provision to assets | 0.0943% | 4,407 |
| Net operating income to assets | 0.9895% | 2,560 |
| Return on assets (ROA) | 1.0101% | 2,684 |
| Pretax return on assets | 1.0268% | 3,613 |
| Return on Equity (ROE) | 11.6254% | 1,751 |
| Retained earnings to average equity (ytd only) | 5.5957% | 2,965 |
| Net charge-offs to loans | 0.0681% | 4,735 |
| Credit loss provision to net charge-offs | 236.8421% | 1,170 |
| Earnings coverage of net charge-offs (x) | 27.6344% | 1,179 |
| Efficiency ratio | 66.9395% | 4,257 |
| Assets per employee ($millions) | 3.7747% | 4,358 |
| Cash dividends to net income (ytd only)* | 51.8680% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 5,734 |
| Loan loss allowance to noncurrent loans | 45.3191% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 1.4960% | 3,350 |
| Noncurrent loans to loans | 2.4172% | 2,380 |
| Net loans and leases to total assets | 59.9377% | 3,796 |
| Net loans and leases to deposits | 65.9522% | 4,473 |
| Net loans and leases to core deposits | 75.1284% | 3,831 |
| Total domestic deposits to total assets | 90.8805% | 441 |
| Equity capital to assets | 8.7969% | 6,020 |
| Core capital (leverage) ratio | 8.4533% | 5,821 |
| Tier 1 risk-based capital ratio | 11.5600% | 6,196 |
| Total risk-based capital ratio | 12.4558% | 6,364 |
| Memoranda: | ||
| Average total assets | $63,623,750 | 5,890 |
| Average earning assets | $58,112,000 | 5,878 |
| Average equity | $5,528,000 | 6,209 |
| Average total loans | $37,199,250 | 5,694 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5461% | 3,578 |
| Cost of funding earning assets | 1.1564% | 995 |
| Net interest margin | 3.3898% | 5,119 |
| Noninterest income to average assets | 0.1828% | 6,258 |
| Noninterest expense to average assets | 2.2351% | 5,912 |
| Loan and lease loss provision to assets | 0.0946% | 4,370 |
| Net operating income to assets | 0.9306% | 2,760 |
| Return on assets (ROA) | 0.9615% | 2,860 |
| Pretax return on assets | 0.9804% | 3,786 |
| Return on Equity (ROE) | 11.1131% | 1,951 |
| Retained earnings to average equity (ytd only) | 11.1131% | 729 |
| Net charge-offs to loans | 0.1037% | 4,134 |
| Credit loss provision to net charge-offs | 157.8947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 17.4211% | 1,527 |
| Efficiency ratio | 68.1731% | 4,085 |
| Assets per employee ($millions) | 3.8547% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,804 |
| Loan loss allowance to noncurrent loans | 44.9180% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 3,576 |
| Noncurrent loans to loans | 2.4348% | 2,469 |
| Net loans and leases to total assets | 56.7206% | 4,362 |
| Net loans and leases to deposits | 62.3934% | 4,955 |
| Net loans and leases to core deposits | 71.0335% | 4,409 |
| Total domestic deposits to total assets | 90.9080% | 484 |
| Equity capital to assets | 8.7075% | 6,018 |
| Core capital (leverage) ratio | 8.6041% | 5,513 |
| Tier 1 risk-based capital ratio | 12.1057% | 5,860 |
| Total risk-based capital ratio | 12.9992% | 6,068 |
| Memoranda: | ||
| Average total assets | $63,441,670 | 5,932 |
| Average earning assets | $57,939,330 | 5,909 |
| Average equity | $5,489,000 | 6,246 |
| Average total loans | $36,636,330 | 5,753 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 3,492 |
| Cost of funding earning assets | 1.1981% | 994 |
| Net interest margin | 3.4041% | 5,105 |
| Noninterest income to average assets | 0.1795% | 6,303 |
| Noninterest expense to average assets | 2.2821% | 5,814 |
| Loan and lease loss provision to assets | 0.0962% | 4,147 |
| Net operating income to assets | 0.8673% | 3,063 |
| Return on assets (ROA) | 0.9295% | 2,996 |
| Pretax return on assets | 0.9616% | 3,823 |
| Return on Equity (ROE) | 10.7797% | 2,115 |
| Retained earnings to average equity (ytd only) | 10.7797% | 1,093 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6673% | 3,874 |
| Assets per employee ($millions) | 3.7416% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 5,727 |
| Loan loss allowance to noncurrent loans | 37.6247% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 1.8300% | 3,138 |
| Noncurrent loans to loans | 3.0445% | 2,120 |
| Net loans and leases to total assets | 56.3051% | 4,330 |
| Net loans and leases to deposits | 61.8325% | 4,944 |
| Net loans and leases to core deposits | 71.7112% | 4,194 |
| Total domestic deposits to total assets | 91.0607% | 528 |
| Equity capital to assets | 8.6028% | 5,991 |
| Core capital (leverage) ratio | 8.7312% | 5,247 |
| Tier 1 risk-based capital ratio | 12.0599% | 5,922 |
| Total risk-based capital ratio | 12.9852% | 6,119 |
| Memoranda: | ||
| Average total assets | $62,397,500 | 5,997 |
| Average earning assets | $56,755,000 | 5,985 |
| Average equity | $5,380,500 | 6,311 |
| Average total loans | $36,164,500 | 5,820 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0126% | 2,822 |
| Cost of funding earning assets | 1.4056% | 1,013 |
| Net interest margin | 3.6070% | 4,704 |
| Noninterest income to average assets | 0.1774% | 6,221 |
| Noninterest expense to average assets | 2.4607% | 5,595 |
| Loan and lease loss provision to assets | 0.1033% | 5,294 |
| Net operating income to assets | 0.9161% | 2,539 |
| Return on assets (ROA) | 0.9161% | 2,657 |
| Pretax return on assets | 0.9230% | 3,539 |
| Return on Equity (ROE) | 10.1974% | 1,994 |
| Retained earnings to average equity (ytd only) | 5.4054% | 2,367 |
| Net charge-offs to loans | -0.0055% | 6,843 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5679% | 3,833 |
| Assets per employee ($millions) | 3.3993% | 5,249 |
| Cash dividends to net income (ytd only)* | 46.9925% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 5,784 |
| Loan loss allowance to noncurrent loans | 56.4175% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.2584% | 4,128 |
| Noncurrent loans to loans | 1.9640% | 3,253 |
| Net loans and leases to total assets | 58.3448% | 4,309 |
| Net loans and leases to deposits | 64.1394% | 4,991 |
| Net loans and leases to core deposits | 73.9651% | 4,245 |
| Total domestic deposits to total assets | 90.9655% | 522 |
| Equity capital to assets | 8.6439% | 5,966 |
| Core capital (leverage) ratio | 8.3998% | 5,713 |
| Tier 1 risk-based capital ratio | 11.7470% | 5,996 |
| Total risk-based capital ratio | 12.6577% | 6,209 |
| Memoranda: | ||
| Average total assets | $58,073,600 | 6,105 |
| Average earning assets | $53,286,000 | 6,068 |
| Average equity | $5,217,000 | 6,379 |
| Average total loans | $36,619,600 | 5,842 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 2,819 |
| Cost of funding earning assets | 1.4336% | 1,090 |
| Net interest margin | 3.6232% | 4,683 |
| Noninterest income to average assets | 0.1722% | 6,355 |
| Noninterest expense to average assets | 2.3969% | 5,773 |
| Loan and lease loss provision to assets | 0.1047% | 5,135 |
| Net operating income to assets | 0.9960% | 2,339 |
| Return on assets (ROA) | 0.9960% | 2,489 |
| Pretax return on assets | 1.0053% | 3,377 |
| Return on Equity (ROE) | 10.9761% | 1,873 |
| Retained earnings to average equity (ytd only) | 4.5649% | 3,468 |
| Net charge-offs to loans | -0.0073% | 6,746 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3477% | 4,249 |
| Assets per employee ($millions) | 3.3164% | 5,448 |
| Cash dividends to net income (ytd only)* | 58.4123% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 6,139 |
| Loan loss allowance to noncurrent loans | 64.3813% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1039% | 4,569 |
| Noncurrent loans to loans | 1.5939% | 3,906 |
| Net loans and leases to total assets | 62.2052% | 3,673 |
| Net loans and leases to deposits | 68.4472% | 4,534 |
| Net loans and leases to core deposits | 79.8289% | 3,663 |
| Total domestic deposits to total assets | 90.8805% | 477 |
| Equity capital to assets | 8.7192% | 6,063 |
| Core capital (leverage) ratio | 8.7145% | 5,386 |
| Tier 1 risk-based capital ratio | 11.4551% | 6,264 |
| Total risk-based capital ratio | 12.3289% | 6,477 |
| Memoranda: | ||
| Average total assets | $57,295,000 | 6,176 |
| Average earning assets | $52,733,250 | 6,139 |
| Average equity | $5,199,000 | 6,438 |
| Average total loans | $36,749,500 | 5,885 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 2,718 |
| Cost of funding earning assets | 1.4722% | 1,105 |
| Net interest margin | 3.6209% | 4,645 |
| Noninterest income to average assets | 0.1699% | 6,447 |
| Noninterest expense to average assets | 2.4427% | 5,723 |
| Loan and lease loss provision to assets | 0.1062% | 4,978 |
| Net operating income to assets | 0.9417% | 2,474 |
| Return on assets (ROA) | 0.9417% | 2,567 |
| Pretax return on assets | 0.9558% | 3,406 |
| Return on Equity (ROE) | 10.2367% | 2,039 |
| Retained earnings to average equity (ytd only) | 0.6157% | 5,614 |
| Net charge-offs to loans | -0.0110% | 6,701 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6970% | 4,170 |
| Assets per employee ($millions) | 3.3168% | 5,396 |
| Cash dividends to net income (ytd only)* | 93.9850% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 6,285 |
| Loan loss allowance to noncurrent loans | 108.8235% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7112% | 5,484 |
| Noncurrent loans to loans | 0.9279% | 5,114 |
| Net loans and leases to total assets | 64.3263% | 3,394 |
| Net loans and leases to deposits | 71.2859% | 4,236 |
| Net loans and leases to core deposits | 83.1885% | 3,340 |
| Total domestic deposits to total assets | 90.2369% | 844 |
| Equity capital to assets | 9.3232% | 5,112 |
| Core capital (leverage) ratio | 8.7498% | 5,140 |
| Tier 1 risk-based capital ratio | 12.1573% | 5,659 |
| Total risk-based capital ratio | 13.0573% | 5,920 |
| Memoranda: | ||
| Average total assets | $56,494,670 | 6,247 |
| Average earning assets | $52,031,330 | 6,219 |
| Average equity | $5,197,000 | 6,467 |
| Average total loans | $36,493,000 | 5,956 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 2,797 |
| Cost of funding earning assets | 1.4789% | 1,260 |
| Net interest margin | 3.5861% | 4,634 |
| Noninterest income to average assets | 0.1485% | 6,664 |
| Noninterest expense to average assets | 2.3696% | 5,985 |
| Loan and lease loss provision to assets | 0.1061% | 4,687 |
| Net operating income to assets | 0.9549% | 2,337 |
| Return on assets (ROA) | 0.9549% | 2,402 |
| Pretax return on assets | 0.9832% | 3,187 |
| Return on Equity (ROE) | 10.4509% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.4509% | 1,008 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5072% | 4,560 |
| Assets per employee ($millions) | 3.3917% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 6,536 |
| Loan loss allowance to noncurrent loans | 90.5128% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 5,346 |
| Noncurrent loans to loans | 1.0524% | 4,952 |
| Net loans and leases to total assets | 63.6605% | 3,510 |
| Net loans and leases to deposits | 70.2790% | 4,307 |
| Net loans and leases to core deposits | 80.2984% | 3,706 |
| Total domestic deposits to total assets | 90.5826% | 806 |
| Equity capital to assets | 8.9370% | 5,299 |
| Core capital (leverage) ratio | 9.0782% | 4,483 |
| Tier 1 risk-based capital ratio | 12.2087% | 5,506 |
| Total risk-based capital ratio | 13.0507% | 5,857 |
| Memoranda: | ||
| Average total assets | $56,549,000 | 6,293 |
| Average earning assets | $52,201,000 | 6,264 |
| Average equity | $5,167,000 | 6,498 |
| Average total loans | $36,419,000 | 6,010 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5186% | 2,213 |
| Cost of funding earning assets | 2.1075% | 415 |
| Net interest margin | 3.4111% | 5,587 |
| Noninterest income to average assets | 0.2010% | 6,344 |
| Noninterest expense to average assets | 2.4534% | 5,935 |
| Loan and lease loss provision to assets | 0.1005% | 6,142 |
| Net operating income to assets | 0.8160% | 2,726 |
| Return on assets (ROA) | 0.8823% | 2,595 |
| Pretax return on assets | 0.8898% | 3,335 |
| Return on Equity (ROE) | 9.1499% | 2,234 |
| Retained earnings to average equity (ytd only) | -0.5019% | 5,709 |
| Net charge-offs to loans | 0.2402% | 4,847 |
| Credit loss provision to net charge-offs | 62.0690% | 6,052 |
| Earnings coverage of net charge-offs (x) | 5.7011% | 2,552 |
| Efficiency ratio | 72.6571% | 3,665 |
| Assets per employee ($millions) | 3.2611% | 5,513 |
| Cash dividends to net income (ytd only)* | 105.4852% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 6,594 |
| Loan loss allowance to noncurrent loans | 121.1470% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 5,792 |
| Noncurrent loans to loans | 0.7798% | 5,481 |
| Net loans and leases to total assets | 63.9279% | 3,889 |
| Net loans and leases to deposits | 70.8777% | 4,705 |
| Net loans and leases to core deposits | 79.9409% | 4,229 |
| Total domestic deposits to total assets | 90.1946% | 993 |
| Equity capital to assets | 9.3454% | 4,628 |
| Core capital (leverage) ratio | 8.7965% | 4,864 |
| Tier 1 risk-based capital ratio | 12.1211% | 5,362 |
| Total risk-based capital ratio | 12.9434% | 5,740 |
| Memoranda: | ||
| Average total assets | $53,720,600 | 6,413 |
| Average earning assets | $50,012,600 | 6,365 |
| Average equity | $5,180,400 | 6,609 |
| Average total loans | $36,222,800 | 6,103 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 2,306 |
| Cost of funding earning assets | 2.2594% | 315 |
| Net interest margin | 3.2764% | 6,091 |
| Noninterest income to average assets | 0.2077% | 6,419 |
| Noninterest expense to average assets | 2.4544% | 5,872 |
| Loan and lease loss provision to assets | 0.0976% | 6,047 |
| Net operating income to assets | 0.7008% | 3,407 |
| Return on assets (ROA) | 0.7306% | 3,437 |
| Pretax return on assets | 0.7406% | 4,117 |
| Return on Equity (ROE) | 7.5155% | 3,097 |
| Retained earnings to average equity (ytd only) | -5.3536% | 6,582 |
| Net charge-offs to loans | 0.0624% | 5,887 |
| Credit loss provision to net charge-offs | 229.4118% | 1,498 |
| Earnings coverage of net charge-offs (x) | 18.9969% | 1,226 |
| Efficiency ratio | 75.2301% | 3,097 |
| Assets per employee ($millions) | 3.3039% | 5,449 |
| Cash dividends to net income (ytd only)* | 171.2345% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,939 |
| Loan loss allowance to noncurrent loans | 116.2722% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 5,767 |
| Noncurrent loans to loans | 0.9463% | 5,342 |
| Net loans and leases to total assets | 62.8939% | 4,348 |
| Net loans and leases to deposits | 69.7819% | 5,183 |
| Net loans and leases to core deposits | 78.0628% | 4,795 |
| Total domestic deposits to total assets | 90.1293% | 815 |
| Equity capital to assets | 9.2992% | 5,142 |
| Core capital (leverage) ratio | 8.0579% | 6,264 |
| Tier 1 risk-based capital ratio | 11.4619% | 5,970 |
| Total risk-based capital ratio | 12.4003% | 6,231 |
| Memoranda: | ||
| Average total assets | $53,291,000 | 6,501 |
| Average earning assets | $49,687,750 | 6,449 |
| Average equity | $5,180,250 | 6,686 |
| Average total loans | $36,333,750 | 6,186 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5072% | 2,482 |
| Cost of funding earning assets | 1.9425% | 1,068 |
| Net interest margin | 3.5647% | 4,972 |
| Noninterest income to average assets | 0.2026% | 6,458 |
| Noninterest expense to average assets | 2.4803% | 5,791 |
| Loan and lease loss provision to assets | 0.0917% | 6,005 |
| Net operating income to assets | 0.9325% | 2,431 |
| Return on assets (ROA) | 0.9325% | 2,519 |
| Pretax return on assets | 0.9478% | 3,317 |
| Return on Equity (ROE) | 9.4464% | 2,298 |
| Retained earnings to average equity (ytd only) | -9.9110% | 6,912 |
| Net charge-offs to loans | 0.0602% | 5,549 |
| Credit loss provision to net charge-offs | 218.1818% | 1,786 |
| Earnings coverage of net charge-offs (x) | 24.7273% | 1,056 |
| Efficiency ratio | 70.4669% | 4,096 |
| Assets per employee ($millions) | 3.3166% | 5,398 |
| Cash dividends to net income (ytd only)* | 204.9180% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 6,180 |
| Loan loss allowance to noncurrent loans | 181.1321% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 6,329 |
| Noncurrent loans to loans | 0.5793% | 6,091 |
| Net loans and leases to total assets | 64.2262% | 4,213 |
| Net loans and leases to deposits | 78.7765% | 3,835 |
| Net loans and leases to core deposits | 87.5193% | 3,615 |
| Total domestic deposits to total assets | 81.5296% | 5,188 |
| Equity capital to assets | 9.0862% | 5,316 |
| Core capital (leverage) ratio | 8.9458% | 4,692 |
| Tier 1 risk-based capital ratio | 11.1678% | 6,074 |
| Total risk-based capital ratio | 12.0702% | 6,417 |
| Memoranda: | ||
| Average total assets | $52,332,670 | 6,569 |
| Average earning assets | $48,700,000 | 6,518 |
| Average equity | $5,166,000 | 6,721 |
| Average total loans | $36,539,000 | 6,219 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6511% | 1,958 |
| Cost of funding earning assets | 1.9980% | 1,090 |
| Net interest margin | 3.6530% | 4,475 |
| Noninterest income to average assets | 0.1908% | 6,599 |
| Noninterest expense to average assets | 2.5284% | 5,620 |
| Loan and lease loss provision to assets | 0.0954% | 5,677 |
| Net operating income to assets | 0.9541% | 2,347 |
| Return on assets (ROA) | 0.9541% | 2,414 |
| Pretax return on assets | 0.9541% | 3,251 |
| Return on Equity (ROE) | 9.2530% | 2,405 |
| Retained earnings to average equity (ytd only) | -29.3012% | 7,536 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6667% | 4,184 |
| Assets per employee ($millions) | 2.8979% | 6,447 |
| Cash dividends to net income (ytd only)* | 416.6667% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 6,226 |
| Loan loss allowance to noncurrent loans | 68.6380% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 4,897 |
| Noncurrent loans to loans | 1.5300% | 4,453 |
| Net loans and leases to total assets | 73.2528% | 2,141 |
| Net loans and leases to deposits | 92.5832% | 1,533 |
| Net loans and leases to core deposits | 104.7821% | 1,674 |
| Total domestic deposits to total assets | 79.1211% | 6,047 |
| Equity capital to assets | 10.2182% | 3,579 |
| Core capital (leverage) ratio | 9.1596% | 4,285 |
| Tier 1 risk-based capital ratio | 11.2950% | 5,860 |
| Total risk-based capital ratio | 12.2297% | 6,145 |
| Memoranda: | ||
| Average total assets | $50,308,000 | 6,725 |
| Average earning assets | $46,646,000 | 6,676 |
| Average equity | $5,187,500 | 6,786 |
| Average total loans | $36,510,500 | 6,279 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6745% | 3,230 |
| Cost of funding earning assets | 2.3453% | 1,474 |
| Net interest margin | 3.3292% | 5,625 |
| Noninterest income to average assets | 0.2249% | 6,503 |
| Noninterest expense to average assets | 2.6693% | 5,517 |
| Loan and lease loss provision to assets | 0.0947% | 6,662 |
| Net operating income to assets | 0.5289% | 3,612 |
| Return on assets (ROA) | 0.5366% | 3,675 |
| Pretax return on assets | 0.5465% | 4,060 |
| Return on Equity (ROE) | 5.4728% | 3,445 |
| Retained earnings to average equity (ytd only) | 5.4728% | 1,589 |
| Net charge-offs to loans | 0.0531% | 6,568 |
| Credit loss provision to net charge-offs | 252.6316% | 1,398 |
| Earnings coverage of net charge-offs (x) | 16.8947% | 1,226 |
| Efficiency ratio | 80.8244% | 2,769 |
| Assets per employee ($millions) | 3.0206% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 6,291 |
| Loan loss allowance to noncurrent loans | 70.0000% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 5,039 |
| Noncurrent loans to loans | 1.4501% | 4,494 |
| Net loans and leases to total assets | 70.4543% | 3,145 |
| Net loans and leases to deposits | 88.7915% | 2,426 |
| Net loans and leases to core deposits | 134.7047% | 1,014 |
| Total domestic deposits to total assets | 79.3480% | 5,890 |
| Equity capital to assets | 10.4010% | 3,284 |
| Core capital (leverage) ratio | 9.8371% | 3,290 |
| Tier 1 risk-based capital ratio | 11.9497% | 4,986 |
| Total risk-based capital ratio | 12.8374% | 5,267 |
| Memoranda: | ||
| Average total assets | $50,688,000 | 6,678 |
| Average earning assets | $46,858,800 | 6,643 |
| Average equity | $4,970,000 | 6,950 |
| Average total loans | $35,757,800 | 6,319 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6759% | 3,450 |
| Cost of funding earning assets | 2.4113% | 1,598 |
| Net interest margin | 3.2646% | 5,777 |
| Noninterest income to average assets | 0.2190% | 6,662 |
| Noninterest expense to average assets | 2.6179% | 5,653 |
| Loan and lease loss provision to assets | 0.0950% | 6,416 |
| Net operating income to assets | 0.5121% | 3,929 |
| Return on assets (ROA) | 0.5199% | 3,993 |
| Pretax return on assets | 0.5331% | 4,417 |
| Return on Equity (ROE) | 5.3854% | 3,797 |
| Retained earnings to average equity (ytd only) | 5.3854% | 2,262 |
| Net charge-offs to loans | 0.0712% | 5,975 |
| Credit loss provision to net charge-offs | 189.4737% | 2,401 |
| Earnings coverage of net charge-offs (x) | 12.3699% | 1,767 |
| Efficiency ratio | 80.8476% | 2,728 |
| Assets per employee ($millions) | 2.9287% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 6,227 |
| Loan loss allowance to noncurrent loans | 133.4572% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 6,105 |
| Noncurrent loans to loans | 0.7567% | 5,792 |
| Net loans and leases to total assets | 70.6757% | 3,343 |
| Net loans and leases to deposits | 90.1494% | 2,549 |
| Net loans and leases to core deposits | 137.2387% | 1,044 |
| Total domestic deposits to total assets | 78.3984% | 5,979 |
| Equity capital to assets | 10.9283% | 3,082 |
| Core capital (leverage) ratio | 9.7437% | 3,579 |
| Tier 1 risk-based capital ratio | 11.9685% | 5,008 |
| Total risk-based capital ratio | 12.8393% | 5,289 |
| Memoranda: | ||
| Average total assets | $50,522,250 | 6,734 |
| Average earning assets | $46,722,750 | 6,701 |
| Average equity | $4,877,250 | 7,054 |
| Average total loans | $35,559,750 | 6,372 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6697% | 3,718 |
| Cost of funding earning assets | 2.4653% | 1,728 |
| Net interest margin | 3.2044% | 5,900 |
| Noninterest income to average assets | 0.2206% | 6,717 |
| Noninterest expense to average assets | 2.6238% | 5,641 |
| Loan and lease loss provision to assets | 0.0945% | 6,220 |
| Net operating income to assets | 0.4374% | 4,346 |
| Return on assets (ROA) | 0.4412% | 4,440 |
| Pretax return on assets | 0.4609% | 4,746 |
| Return on Equity (ROE) | 4.7768% | 4,176 |
| Retained earnings to average equity (ytd only) | 4.7768% | 2,651 |
| Net charge-offs to loans | 0.0675% | 5,560 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,882 |
| Efficiency ratio | 82.6303% | 2,648 |
| Assets per employee ($millions) | 2.9956% | 6,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 5,984 |
| Loan loss allowance to noncurrent loans | 478.3784% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 7,201 |
| Noncurrent loans to loans | 0.2166% | 6,970 |
| Net loans and leases to total assets | 66.4075% | 4,478 |
| Net loans and leases to deposits | 82.9788% | 4,043 |
| Net loans and leases to core deposits | 122.8495% | 2,126 |
| Total domestic deposits to total assets | 80.0295% | 5,467 |
| Equity capital to assets | 9.4786% | 4,640 |
| Core capital (leverage) ratio | 9.1400% | 4,400 |
| Tier 1 risk-based capital ratio | 11.8615% | 5,032 |
| Total risk-based capital ratio | 12.7483% | 5,302 |
| Memoranda: | ||
| Average total assets | $50,767,000 | 6,792 |
| Average earning assets | $46,810,000 | 6,755 |
| Average equity | $4,689,330 | 7,178 |
| Average total loans | $35,564,000 | 6,432 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6512% | 4,042 |
| Cost of funding earning assets | 2.5030% | 1,908 |
| Net interest margin | 3.1482% | 6,026 |
| Noninterest income to average assets | 0.2131% | 6,771 |
| Noninterest expense to average assets | 2.6278% | 5,334 |
| Loan and lease loss provision to assets | 0.0947% | 5,748 |
| Net operating income to assets | 0.3393% | 5,118 |
| Return on assets (ROA) | 0.3393% | 5,302 |
| Pretax return on assets | 0.3788% | 5,455 |
| Return on Equity (ROE) | 3.7225% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.7225% | 3,834 |
| Net charge-offs to loans | 0.0441% | 4,860 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,631 |
| Efficiency ratio | 84.7328% | 2,220 |
| Assets per employee ($millions) | 3.0276% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 6,350 |
| Loan loss allowance to noncurrent loans | 648.1481% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 7,275 |
| Noncurrent loans to loans | 0.1503% | 7,089 |
| Net loans and leases to total assets | 69.1218% | 3,887 |
| Net loans and leases to deposits | 85.5525% | 3,709 |
| Net loans and leases to core deposits | 125.4655% | 1,958 |
| Total domestic deposits to total assets | 80.7946% | 5,044 |
| Equity capital to assets | 8.9139% | 5,455 |
| Core capital (leverage) ratio | 9.0317% | 4,651 |
| Tier 1 risk-based capital ratio | 11.8025% | 5,123 |
| Total risk-based capital ratio | 12.6996% | 5,357 |
| Memoranda: | ||
| Average total assets | $50,688,000 | 6,833 |
| Average earning assets | $46,503,500 | 6,820 |
| Average equity | $4,620,500 | 7,253 |
| Average total loans | $36,260,000 | 6,431 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3445% | 3,715 |
| Cost of funding earning assets | 2.9422% | 2,086 |
| Net interest margin | 3.4023% | 5,652 |
| Noninterest income to average assets | 0.3154% | 6,195 |
| Noninterest expense to average assets | 2.3767% | 6,482 |
| Loan and lease loss provision to assets | 0.0952% | 6,170 |
| Net operating income to assets | 1.0078% | 2,523 |
| Return on assets (ROA) | 1.0098% | 2,397 |
| Pretax return on assets | 1.0138% | 3,331 |
| Return on Equity (ROE) | 11.0806% | 1,877 |
| Retained earnings to average equity (ytd only) | 6.7268% | 1,253 |
| Net charge-offs to loans | 0.0440% | 6,154 |
| Credit loss provision to net charge-offs | 300.0000% | 1,503 |
| Earnings coverage of net charge-offs (x) | 34.8750% | 1,040 |
| Efficiency ratio | 68.2232% | 4,683 |
| Assets per employee ($millions) | 3.1191% | 5,721 |
| Cash dividends to net income (ytd only)* | 39.2927% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 6,481 |
| Loan loss allowance to noncurrent loans | 169.3069% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 6,002 |
| Noncurrent loans to loans | 0.5520% | 5,706 |
| Net loans and leases to total assets | 72.6386% | 3,452 |
| Net loans and leases to deposits | 90.7659% | 3,322 |
| Net loans and leases to core deposits | 132.6272% | 1,680 |
| Total domestic deposits to total assets | 80.0285% | 5,007 |
| Equity capital to assets | 9.3235% | 4,914 |
| Core capital (leverage) ratio | 9.1629% | 4,498 |
| Tier 1 risk-based capital ratio | 12.2017% | 4,666 |
| Total risk-based capital ratio | 13.1085% | 4,835 |
| Memoranda: | ||
| Average total assets | $50,406,800 | 6,758 |
| Average earning assets | $46,938,400 | 6,717 |
| Average equity | $4,593,600 | 7,304 |
| Average total loans | $36,385,000 | 6,347 |