Home > Bank of Walker County > Performance and Condition Ratios
Bank of Walker County, 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 | 5.2553% | 1,561 |
| Cost of funding earning assets | 0.6958% | 3,935 |
| Net interest margin | 4.5595% | 558 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 3.8080% | 426 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.0905% | 1,949 |
| Return on assets (ROA) | 1.0749% | 1,964 |
| Pretax return on assets | 1.1316% | 2,313 |
| Return on Equity (ROE) | 12.4700% | 1,847 |
| Retained earnings to average equity (ytd only) | 6.2593% | 2,148 |
| Net charge-offs to loans | -0.0097% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.0215% | 1,348 |
| Assets per employee ($millions) | 4.0570% | 4,137 |
| Cash dividends to net income (ytd only)* | 49.7972% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,185 |
| Loan loss allowance to noncurrent loans | 2,420.6897% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,429 |
| Noncurrent loans to loans | 0.0424% | 3,421 |
| Net loans and leases to total assets | 75.8600% | 1,136 |
| Net loans and leases to deposits | 83.9034% | 1,786 |
| Net loans and leases to core deposits | 99.0592% | 1,484 |
| Total domestic deposits to total assets | 90.4100% | 649 |
| Equity capital to assets | 9.3978% | 2,426 |
| Core capital (leverage) ratio | 10.3190% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $91,727,000 | 3,902 |
| Average earning assets | $86,084,600 | 3,870 |
| Average equity | $7,908,200 | 3,939 |
| Average total loans | $62,064,000 | 3,680 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 1,806 |
| Cost of funding earning assets | 0.5622% | 3,851 |
| Net interest margin | 4.3198% | 785 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 3.5486% | 510 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1108% | 2,097 |
| Return on assets (ROA) | 1.0801% | 2,171 |
| Pretax return on assets | 1.1405% | 2,536 |
| Return on Equity (ROE) | 12.9000% | 1,921 |
| Retained earnings to average equity (ytd only) | 8.5196% | 1,813 |
| Net charge-offs to loans | -0.0104% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.1441% | 1,331 |
| Assets per employee ($millions) | 4.1588% | 4,117 |
| Cash dividends to net income (ytd only)* | 33.9321% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,460 |
| Loan loss allowance to noncurrent loans | 1,190.3846% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 3,201 |
| Noncurrent loans to loans | 0.0834% | 3,093 |
| Net loans and leases to total assets | 67.4900% | 2,011 |
| Net loans and leases to deposits | 74.0947% | 2,480 |
| Net loans and leases to core deposits | 86.3091% | 2,048 |
| Total domestic deposits to total assets | 91.0900% | 624 |
| Equity capital to assets | 8.7646% | 2,682 |
| Core capital (leverage) ratio | 10.1235% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $92,769,333 | 3,917 |
| Average earning assets | $86,809,333 | 3,889 |
| Average equity | $7,770,333 | 3,977 |
| Average total loans | $57,684,000 | 3,755 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 1,800 |
| Cost of funding earning assets | 0.4952% | 3,703 |
| Net interest margin | 4.2232% | 913 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 3.4473% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2033% | 1,924 |
| Return on assets (ROA) | 1.2033% | 1,883 |
| Pretax return on assets | 1.2761% | 2,238 |
| Return on Equity (ROE) | 14.7000% | 1,624 |
| Retained earnings to average equity (ytd only) | 6.6440% | 2,604 |
| Net charge-offs to loans | -0.0145% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.9828% | 1,437 |
| Assets per employee ($millions) | 4.1846% | 4,175 |
| Cash dividends to net income (ytd only)* | 54.8043% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,335 |
| Loan loss allowance to noncurrent loans | 1,784.8485% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,424 |
| Noncurrent loans to loans | 0.0584% | 3,316 |
| Net loans and leases to total assets | 60.7800% | 2,573 |
| Net loans and leases to deposits | 66.4616% | 2,896 |
| Net loans and leases to core deposits | 78.1044% | 2,380 |
| Total domestic deposits to total assets | 91.4500% | 660 |
| Equity capital to assets | 8.4955% | 2,897 |
| Core capital (leverage) ratio | 9.6948% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $93,407,500 | 3,964 |
| Average earning assets | $87,231,500 | 3,940 |
| Average equity | $7,646,000 | 4,042 |
| Average total loans | $55,342,000 | 3,827 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 2,335 |
| Cost of funding earning assets | 0.2432% | 3,380 |
| Net interest margin | 3.5358% | 1,819 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 3.4145% | 538 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6348% | 3,791 |
| Return on assets (ROA) | 0.6348% | 3,744 |
| Pretax return on assets | 0.6582% | 3,932 |
| Return on Equity (ROE) | 7.7500% | 3,446 |
| Retained earnings to average equity (ytd only) | 4.4681% | 3,246 |
| Net charge-offs to loans | -0.0189% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.7288% | 502 |
| Assets per employee ($millions) | 4.3070% | 4,141 |
| Cash dividends to net income (ytd only)* | 42.3786% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 2,970 |
| Loan loss allowance to noncurrent loans | 1,726.4706% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,443 |
| Noncurrent loans to loans | 0.0628% | 3,298 |
| Net loans and leases to total assets | 56.5200% | 2,972 |
| Net loans and leases to deposits | 63.5618% | 3,075 |
| Net loans and leases to core deposits | 75.4601% | 2,465 |
| Total domestic deposits to total assets | 88.9200% | 1,742 |
| Equity capital to assets | 7.8846% | 3,131 |
| Core capital (leverage) ratio | 9.4302% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $94,040,800 | 3,977 |
| Average earning assets | $86,770,200 | 3,962 |
| Average equity | $7,699,000 | 4,128 |
| Average total loans | $47,705,000 | 3,928 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5235% | 2,532 |
| Cost of funding earning assets | 0.2297% | 2,933 |
| Net interest margin | 3.2938% | 2,316 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 3.3396% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5284% | 4,018 |
| Return on assets (ROA) | 0.5284% | 3,958 |
| Pretax return on assets | 0.5483% | 4,073 |
| Return on Equity (ROE) | 6.3900% | 3,715 |
| Retained earnings to average equity (ytd only) | 2.1832% | 3,984 |
| Net charge-offs to loans | -0.0202% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.8970% | 464 |
| Assets per employee ($millions) | 4.4403% | 4,100 |
| Cash dividends to net income (ytd only)* | 65.8602% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,701 |
| Loan loss allowance to noncurrent loans | 723.7500% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 3,095 |
| Noncurrent loans to loans | 0.1616% | 2,795 |
| Net loans and leases to total assets | 50.1000% | 3,450 |
| Net loans and leases to deposits | 54.1074% | 3,596 |
| Net loans and leases to core deposits | 64.1751% | 3,097 |
| Total domestic deposits to total assets | 92.5900% | 684 |
| Equity capital to assets | 7.3859% | 3,276 |
| Core capital (leverage) ratio | 9.0730% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8319% | 1,214 |
| Memoranda: | ||
| Average total assets | $93,862,500 | 4,006 |
| Average earning assets | $86,503,500 | 3,988 |
| Average equity | $7,756,000 | 4,166 |
| Average total loans | $46,096,000 | 3,985 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2778% | 2,808 |
| Cost of funding earning assets | 0.2331% | 2,466 |
| Net interest margin | 3.0447% | 2,739 |
| Noninterest income to average assets | 0.9893% | 685 |
| Noninterest expense to average assets | 3.2013% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5508% | 3,760 |
| Return on assets (ROA) | 0.5508% | 3,710 |
| Pretax return on assets | 0.5811% | 3,849 |
| Return on Equity (ROE) | 6.4261% | 3,465 |
| Retained earnings to average equity (ytd only) | 0.2520% | 4,142 |
| Net charge-offs to loans | -0.0222% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6374% | 644 |
| Assets per employee ($millions) | 4.2746% | 4,221 |
| Cash dividends to net income (ytd only)* | 96.0784% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,187 |
| Loan loss allowance to noncurrent loans | 1,559.4595% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,587 |
| Noncurrent loans to loans | 0.0834% | 3,365 |
| Net loans and leases to total assets | 46.5510% | 3,676 |
| Net loans and leases to deposits | 50.5864% | 3,783 |
| Net loans and leases to core deposits | 61.6847% | 3,140 |
| Total domestic deposits to total assets | 92.0226% | 822 |
| Equity capital to assets | 7.9242% | 3,181 |
| Core capital (leverage) ratio | 9.0263% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,588,000 | 4,055 |
| Average earning assets | $84,934,000 | 4,062 |
| Average equity | $7,936,333 | 4,211 |
| Average total loans | $44,955,667 | 4,048 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0965% | 2,990 |
| Cost of funding earning assets | 0.2346% | 2,328 |
| Net interest margin | 2.8619% | 2,950 |
| Noninterest income to average assets | 1.0538% | 620 |
| Noninterest expense to average assets | 3.0394% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6314% | 3,296 |
| Return on assets (ROA) | 0.6314% | 3,275 |
| Pretax return on assets | 0.6706% | 3,474 |
| Return on Equity (ROE) | 7.0918% | 3,006 |
| Retained earnings to average equity (ytd only) | -4.4018% | 4,396 |
| Net charge-offs to loans | -0.0265% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9249% | 987 |
| Assets per employee ($millions) | 4.9879% | 3,766 |
| Cash dividends to net income (ytd only)* | 162.0690% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 2,381 |
| Loan loss allowance to noncurrent loans | 717.5000% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 3,230 |
| Noncurrent loans to loans | 0.1806% | 2,912 |
| Net loans and leases to total assets | 46.1359% | 3,562 |
| Net loans and leases to deposits | 50.3240% | 3,709 |
| Net loans and leases to core deposits | 61.0418% | 3,060 |
| Total domestic deposits to total assets | 91.6777% | 708 |
| Equity capital to assets | 8.2368% | 3,376 |
| Core capital (leverage) ratio | 9.2277% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6521% | 1,113 |
| Memoranda: | ||
| Average total assets | $91,861,500 | 4,081 |
| Average earning assets | $85,257,500 | 4,069 |
| Average equity | $8,178,500 | 4,253 |
| Average total loans | $45,256,500 | 4,055 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5575% | 2,495 |
| Cost of funding earning assets | 0.3148% | 2,256 |
| Net interest margin | 3.2427% | 2,479 |
| Noninterest income to average assets | 1.2490% | 679 |
| Noninterest expense to average assets | 3.5113% | 463 |
| Loan and lease loss provision to assets | 0.0035% | 3,010 |
| Net operating income to assets | 0.7529% | 3,481 |
| Return on assets (ROA) | 0.7529% | 3,544 |
| Pretax return on assets | 0.7930% | 3,743 |
| Return on Equity (ROE) | 7.5995% | 3,351 |
| Retained earnings to average equity (ytd only) | 4.3409% | 3,075 |
| Net charge-offs to loans | 0.0329% | 1,579 |
| Credit loss provision to net charge-offs | 18.7500% | 2,277 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 1,402 |
| Efficiency ratio | 81.5098% | 719 |
| Assets per employee ($millions) | 4.6817% | 3,982 |
| Cash dividends to net income (ytd only)* | 42.8795% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,690 |
| Loan loss allowance to noncurrent loans | 550.0000% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 843 |
| Noncurrent loans to loans | 0.2250% | 2,834 |
| Net loans and leases to total assets | 51.3125% | 3,137 |
| Net loans and leases to deposits | 56.8185% | 3,350 |
| Net loans and leases to core deposits | 69.8113% | 2,468 |
| Total domestic deposits to total assets | 90.3095% | 803 |
| Equity capital to assets | 9.6129% | 3,036 |
| Core capital (leverage) ratio | 9.6012% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7787% | 926 |
| Memoranda: | ||
| Average total assets | $84,868,400 | 4,156 |
| Average earning assets | $80,056,000 | 4,132 |
| Average equity | $8,408,400 | 4,299 |
| Average total loans | $48,678,200 | 4,025 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6259% | 2,480 |
| Cost of funding earning assets | 0.3418% | 2,194 |
| Net interest margin | 3.2841% | 2,463 |
| Noninterest income to average assets | 1.3977% | 614 |
| Noninterest expense to average assets | 3.4634% | 478 |
| Loan and lease loss provision to assets | 0.0048% | 2,883 |
| Net operating income to assets | 0.9573% | 3,057 |
| Return on assets (ROA) | 0.9573% | 3,137 |
| Pretax return on assets | 1.0161% | 3,408 |
| Return on Equity (ROE) | 9.5864% | 2,891 |
| Retained earnings to average equity (ytd only) | 5.2232% | 3,131 |
| Net charge-offs to loans | 0.0379% | 1,329 |
| Credit loss provision to net charge-offs | 21.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 45.8571% | 1,283 |
| Efficiency ratio | 77.2340% | 940 |
| Assets per employee ($millions) | 4.3475% | 4,231 |
| Cash dividends to net income (ytd only)* | 45.5150% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,881 |
| Loan loss allowance to noncurrent loans | 512.5000% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 952 |
| Noncurrent loans to loans | 0.2385% | 2,977 |
| Net loans and leases to total assets | 53.3387% | 3,044 |
| Net loans and leases to deposits | 59.3024% | 3,294 |
| Net loans and leases to core deposits | 73.3226% | 2,293 |
| Total domestic deposits to total assets | 89.9436% | 797 |
| Equity capital to assets | 9.9206% | 2,977 |
| Core capital (leverage) ratio | 9.9645% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1582% | 1,107 |
| Memoranda: | ||
| Average total assets | $83,847,250 | 4,215 |
| Average earning assets | $78,801,000 | 4,196 |
| Average equity | $8,372,750 | 4,363 |
| Average total loans | $49,293,750 | 4,071 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 2,196 |
| Cost of funding earning assets | 0.3844% | 2,019 |
| Net interest margin | 3.3664% | 2,253 |
| Noninterest income to average assets | 1.0119% | 1,053 |
| Noninterest expense to average assets | 3.4681% | 484 |
| Loan and lease loss provision to assets | 0.0072% | 2,766 |
| Net operating income to assets | 0.6472% | 3,879 |
| Return on assets (ROA) | 0.6472% | 3,941 |
| Pretax return on assets | 0.6883% | 4,089 |
| Return on Equity (ROE) | 6.4669% | 3,795 |
| Retained earnings to average equity (ytd only) | -0.1448% | 4,530 |
| Net charge-offs to loans | 0.0839% | 841 |
| Credit loss provision to net charge-offs | 14.2857% | 1,755 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 1,688 |
| Efficiency ratio | 83.2947% | 594 |
| Assets per employee ($millions) | 4.2628% | 4,287 |
| Cash dividends to net income (ytd only)* | 102.2388% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 3,097 |
| Loan loss allowance to noncurrent loans | 423.1343% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 1.8580% | 239 |
| Noncurrent loans to loans | 0.2763% | 2,947 |
| Net loans and leases to total assets | 56.2114% | 2,873 |
| Net loans and leases to deposits | 62.3567% | 3,165 |
| Net loans and leases to core deposits | 77.5817% | 2,083 |
| Total domestic deposits to total assets | 90.1449% | 702 |
| Equity capital to assets | 9.7402% | 3,104 |
| Core capital (leverage) ratio | 9.5325% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3321% | 1,260 |
| Memoranda: | ||
| Average total assets | $82,813,000 | 4,255 |
| Average earning assets | $77,530,333 | 4,238 |
| Average equity | $8,288,333 | 4,397 |
| Average total loans | $50,074,333 | 4,085 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 910 |
| Cost of funding earning assets | 0.4153% | 1,974 |
| Net interest margin | 3.9867% | 860 |
| Noninterest income to average assets | 0.5687% | 2,333 |
| Noninterest expense to average assets | 3.5151% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7697% | 3,515 |
| Return on assets (ROA) | 0.7697% | 3,584 |
| Pretax return on assets | 0.8187% | 3,778 |
| Return on Equity (ROE) | 7.5841% | 3,454 |
| Retained earnings to average equity (ytd only) | -5.6518% | 4,722 |
| Net charge-offs to loans | 0.1730% | 457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 7.5909% | 1,605 |
| Efficiency ratio | 81.1086% | 750 |
| Assets per employee ($millions) | 3.9801% | 4,489 |
| Cash dividends to net income (ytd only)* | 174.5223% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,136 |
| Loan loss allowance to noncurrent loans | 446.8254% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 1.8856% | 282 |
| Noncurrent loans to loans | 0.2600% | 3,179 |
| Net loans and leases to total assets | 57.2970% | 2,875 |
| Net loans and leases to deposits | 63.6023% | 3,164 |
| Net loans and leases to core deposits | 79.8513% | 2,014 |
| Total domestic deposits to total assets | 90.0864% | 778 |
| Equity capital to assets | 9.7760% | 2,924 |
| Core capital (leverage) ratio | 9.9054% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8268% | 1,099 |
| Memoranda: | ||
| Average total assets | $81,592,000 | 4,287 |
| Average earning assets | $77,057,000 | 4,263 |
| Average equity | $8,280,500 | 4,410 |
| Average total loans | $50,866,500 | 4,075 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9128% | 583 |
| Cost of funding earning assets | 0.6260% | 2,147 |
| Net interest margin | 4.2868% | 521 |
| Noninterest income to average assets | 0.6628% | 1,978 |
| Noninterest expense to average assets | 3.9156% | 410 |
| Loan and lease loss provision to assets | 0.0639% | 3,578 |
| Net operating income to assets | 0.6969% | 3,446 |
| Return on assets (ROA) | 0.6994% | 3,570 |
| Pretax return on assets | 0.7424% | 3,782 |
| Return on Equity (ROE) | 6.6192% | 3,360 |
| Retained earnings to average equity (ytd only) | 3.1738% | 3,248 |
| Net charge-offs to loans | 0.0534% | 2,024 |
| Credit loss provision to net charge-offs | 163.3333% | 2,355 |
| Earnings coverage of net charge-offs (x) | 20.5333% | 1,940 |
| Efficiency ratio | 82.9693% | 695 |
| Assets per employee ($millions) | 3.7906% | 4,514 |
| Cash dividends to net income (ytd only)* | 52.0522% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,479 |
| Loan loss allowance to noncurrent loans | 180.2469% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 467 |
| Noncurrent loans to loans | 0.6081% | 2,180 |
| Net loans and leases to total assets | 66.1993% | 2,076 |
| Net loans and leases to deposits | 74.1445% | 2,469 |
| Net loans and leases to core deposits | 95.3118% | 1,163 |
| Total domestic deposits to total assets | 89.2842% | 861 |
| Equity capital to assets | 10.5399% | 2,637 |
| Core capital (leverage) ratio | 10.3119% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4225% | 1,421 |
| Memoranda: | ||
| Average total assets | $76,641,400 | 4,285 |
| Average earning assets | $72,524,400 | 4,262 |
| Average equity | $8,097,600 | 4,411 |
| Average total loans | $56,229,200 | 3,977 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0098% | 593 |
| Cost of funding earning assets | 0.6643% | 2,233 |
| Net interest margin | 4.3455% | 535 |
| Noninterest income to average assets | 0.6745% | 1,884 |
| Noninterest expense to average assets | 3.8558% | 433 |
| Loan and lease loss provision to assets | 0.0856% | 3,241 |
| Net operating income to assets | 0.7977% | 3,102 |
| Return on assets (ROA) | 0.8010% | 3,206 |
| Pretax return on assets | 0.8502% | 3,513 |
| Return on Equity (ROE) | 7.5766% | 2,976 |
| Retained earnings to average equity (ytd only) | 2.9409% | 3,549 |
| Net charge-offs to loans | 0.0726% | 1,586 |
| Credit loss provision to net charge-offs | 158.0645% | 2,281 |
| Earnings coverage of net charge-offs (x) | 17.1290% | 2,030 |
| Efficiency ratio | 80.5209% | 840 |
| Assets per employee ($millions) | 4.1562% | 4,186 |
| Cash dividends to net income (ytd only)* | 61.1842% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,419 |
| Loan loss allowance to noncurrent loans | 148.6005% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 1.6374% | 492 |
| Noncurrent loans to loans | 0.7124% | 2,014 |
| Net loans and leases to total assets | 69.1229% | 2,090 |
| Net loans and leases to deposits | 77.4014% | 2,604 |
| Net loans and leases to core deposits | 99.3955% | 1,209 |
| Total domestic deposits to total assets | 89.3045% | 646 |
| Equity capital to assets | 10.5169% | 2,776 |
| Core capital (leverage) ratio | 10.3030% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,901,250 | 4,305 |
| Average earning assets | $71,857,500 | 4,283 |
| Average equity | $8,024,500 | 4,442 |
| Average total loans | $56,966,500 | 3,985 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 626 |
| Cost of funding earning assets | 0.7166% | 2,298 |
| Net interest margin | 4.4347% | 574 |
| Noninterest income to average assets | 0.6864% | 1,790 |
| Noninterest expense to average assets | 3.9263% | 442 |
| Loan and lease loss provision to assets | 0.0801% | 3,289 |
| Net operating income to assets | 0.8124% | 3,000 |
| Return on assets (ROA) | 0.8173% | 3,098 |
| Pretax return on assets | 0.8841% | 3,357 |
| Return on Equity (ROE) | 7.7166% | 2,855 |
| Retained earnings to average equity (ytd only) | 0.8070% | 4,136 |
| Net charge-offs to loans | 0.0799% | 1,448 |
| Credit loss provision to net charge-offs | 130.4348% | 2,231 |
| Earnings coverage of net charge-offs (x) | 15.6087% | 1,899 |
| Efficiency ratio | 80.3718% | 869 |
| Assets per employee ($millions) | 4.1122% | 4,191 |
| Cash dividends to net income (ytd only)* | 89.5425% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,574 |
| Loan loss allowance to noncurrent loans | 140.7862% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.6728% | 505 |
| Noncurrent loans to loans | 0.7110% | 2,098 |
| Net loans and leases to total assets | 72.5295% | 1,618 |
| Net loans and leases to deposits | 81.0458% | 2,308 |
| Net loans and leases to core deposits | 103.1396% | 1,051 |
| Total domestic deposits to total assets | 89.4920% | 572 |
| Equity capital to assets | 10.3902% | 2,847 |
| Core capital (leverage) ratio | 10.2649% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,879,000 | 4,322 |
| Average earning assets | $70,894,667 | 4,292 |
| Average equity | $7,931,000 | 4,464 |
| Average total loans | $57,565,667 | 3,985 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 615 |
| Cost of funding earning assets | 0.7657% | 2,577 |
| Net interest margin | 4.4731% | 540 |
| Noninterest income to average assets | 0.7863% | 1,353 |
| Noninterest expense to average assets | 3.9425% | 536 |
| Loan and lease loss provision to assets | 0.1638% | 1,775 |
| Net operating income to assets | 0.8689% | 2,619 |
| Return on assets (ROA) | 0.8791% | 2,689 |
| Pretax return on assets | 0.9338% | 3,043 |
| Return on Equity (ROE) | 8.2169% | 2,422 |
| Retained earnings to average equity (ytd only) | -5.7671% | 4,570 |
| Net charge-offs to loans | 0.2079% | 668 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 6.6333% | 1,975 |
| Efficiency ratio | 78.3931% | 1,291 |
| Assets per employee ($millions) | 3.7993% | 4,169 |
| Cash dividends to net income (ytd only)* | 170.1863% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,851 |
| Loan loss allowance to noncurrent loans | 158.3799% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.6556% | 604 |
| Noncurrent loans to loans | 0.6119% | 2,457 |
| Net loans and leases to total assets | 76.2506% | 1,258 |
| Net loans and leases to deposits | 87.7438% | 1,773 |
| Net loans and leases to core deposits | 118.2163% | 526 |
| Total domestic deposits to total assets | 86.9014% | 1,599 |
| Equity capital to assets | 10.2494% | 3,556 |
| Core capital (leverage) ratio | 10.6861% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,253,000 | 4,354 |
| Average earning assets | $69,482,000 | 4,320 |
| Average equity | $7,837,500 | 4,504 |
| Average total loans | $57,728,000 | 3,995 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 1,096 |
| Cost of funding earning assets | 0.7473% | 2,932 |
| Net interest margin | 4.4082% | 880 |
| Noninterest income to average assets | 0.8201% | 1,385 |
| Noninterest expense to average assets | 3.9330% | 573 |
| Loan and lease loss provision to assets | 0.1927% | 1,062 |
| Net operating income to assets | 0.8270% | 3,465 |
| Return on assets (ROA) | 0.8243% | 3,566 |
| Pretax return on assets | 0.8651% | 3,839 |
| Return on Equity (ROE) | 7.7651% | 3,265 |
| Retained earnings to average equity (ytd only) | 5.5919% | 2,108 |
| Net charge-offs to loans | 0.0130% | 3,225 |
| Credit loss provision to net charge-offs | 1,957.1429% | 197 |
| Earnings coverage of net charge-offs (x) | 107.7143% | 643 |
| Efficiency ratio | 78.7606% | 1,056 |
| Assets per employee ($millions) | 3.5261% | 4,455 |
| Cash dividends to net income (ytd only)* | 27.9863% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,550 |
| Loan loss allowance to noncurrent loans | 43.7163% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.8392% | 461 |
| Noncurrent loans to loans | 2.2774% | 526 |
| Net loans and leases to total assets | 79.9521% | 800 |
| Net loans and leases to deposits | 90.2402% | 1,562 |
| Net loans and leases to core deposits | 123.8017% | 388 |
| Total domestic deposits to total assets | 88.5991% | 840 |
| Equity capital to assets | 11.1839% | 2,826 |
| Core capital (leverage) ratio | 11.1170% | 2,401 |
| Tier 1 risk-based capital ratio | 13.0680% | 3,761 |
| Total risk-based capital ratio | 14.0028% | 3,809 |
| Memoranda: | ||
| Average total assets | $71,091,400 | 4,415 |
| Average earning assets | $67,306,200 | 4,383 |
| Average equity | $7,546,600 | 4,562 |
| Average total loans | $54,009,800 | 4,100 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1305% | 1,213 |
| Cost of funding earning assets | 0.7309% | 3,062 |
| Net interest margin | 4.3995% | 947 |
| Noninterest income to average assets | 0.8142% | 1,382 |
| Noninterest expense to average assets | 3.7584% | 694 |
| Loan and lease loss provision to assets | 0.2190% | 785 |
| Net operating income to assets | 0.9430% | 3,192 |
| Return on assets (ROA) | 0.9359% | 3,285 |
| Pretax return on assets | 0.9864% | 3,633 |
| Return on Equity (ROE) | 8.9345% | 2,916 |
| Retained earnings to average equity (ytd only) | 6.0040% | 2,370 |
| Net charge-offs to loans | -0.0125% | 4,452 |
| Credit loss provision to net charge-offs | -2,340.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6024% | 1,372 |
| Assets per employee ($millions) | 3.5934% | 4,400 |
| Cash dividends to net income (ytd only)* | 32.7998% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,224 |
| Loan loss allowance to noncurrent loans | 40.1439% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.9341% | 470 |
| Noncurrent loans to loans | 2.6435% | 416 |
| Net loans and leases to total assets | 72.3883% | 2,116 |
| Net loans and leases to deposits | 81.4313% | 2,753 |
| Net loans and leases to core deposits | 109.4113% | 974 |
| Total domestic deposits to total assets | 88.8949% | 653 |
| Equity capital to assets | 10.8435% | 3,256 |
| Core capital (leverage) ratio | 11.1051% | 2,553 |
| Tier 1 risk-based capital ratio | 14.8189% | 2,942 |
| Total risk-based capital ratio | 15.8735% | 2,945 |
| Memoranda: | ||
| Average total assets | $71,234,000 | 4,465 |
| Average earning assets | $67,308,500 | 4,437 |
| Average equity | $7,461,500 | 4,636 |
| Average total loans | $53,274,750 | 4,167 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 1,337 |
| Cost of funding earning assets | 0.7171% | 3,070 |
| Net interest margin | 4.3382% | 1,070 |
| Noninterest income to average assets | 0.7913% | 1,377 |
| Noninterest expense to average assets | 3.7425% | 712 |
| Loan and lease loss provision to assets | 0.2168% | 771 |
| Net operating income to assets | 0.8744% | 3,384 |
| Return on assets (ROA) | 0.8476% | 3,539 |
| Pretax return on assets | 0.8927% | 3,868 |
| Return on Equity (ROE) | 8.1894% | 3,209 |
| Retained earnings to average equity (ytd only) | 3.7274% | 3,394 |
| Net charge-offs to loans | -0.0187% | 4,525 |
| Credit loss provision to net charge-offs | -1,540.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6878% | 1,309 |
| Assets per employee ($millions) | 3.5234% | 4,474 |
| Cash dividends to net income (ytd only)* | 54.4850% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 3,794 |
| Loan loss allowance to noncurrent loans | 37.6727% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.9512% | 482 |
| Noncurrent loans to loans | 2.5682% | 448 |
| Net loans and leases to total assets | 75.2412% | 1,679 |
| Net loans and leases to deposits | 84.4754% | 2,439 |
| Net loans and leases to core deposits | 107.4539% | 1,140 |
| Total domestic deposits to total assets | 89.0688% | 641 |
| Equity capital to assets | 10.7269% | 3,324 |
| Core capital (leverage) ratio | 10.7268% | 2,870 |
| Tier 1 risk-based capital ratio | 14.4795% | 3,075 |
| Total risk-based capital ratio | 15.4610% | 3,118 |
| Memoranda: | ||
| Average total assets | $71,022,670 | 4,501 |
| Average earning assets | $66,939,670 | 4,479 |
| Average equity | $7,351,000 | 4,676 |
| Average total loans | $53,505,670 | 4,188 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 1,892 |
| Cost of funding earning assets | 0.6682% | 3,215 |
| Net interest margin | 4.1343% | 1,470 |
| Noninterest income to average assets | 0.7518% | 1,426 |
| Noninterest expense to average assets | 3.6858% | 763 |
| Loan and lease loss provision to assets | 0.2525% | 575 |
| Net operating income to assets | 0.6826% | 3,995 |
| Return on assets (ROA) | 0.6227% | 4,215 |
| Pretax return on assets | 0.6396% | 4,441 |
| Return on Equity (ROE) | 6.1267% | 3,977 |
| Retained earnings to average equity (ytd only) | -2.9253% | 4,811 |
| Net charge-offs to loans | -0.0150% | 4,378 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4438% | 1,111 |
| Assets per employee ($millions) | 3.4510% | 4,608 |
| Cash dividends to net income (ytd only)* | 147.7477% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 4,246 |
| Loan loss allowance to noncurrent loans | 68.7055% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 1,445 |
| Noncurrent loans to loans | 1.2790% | 1,283 |
| Net loans and leases to total assets | 75.1752% | 1,615 |
| Net loans and leases to deposits | 86.4284% | 2,080 |
| Net loans and leases to core deposits | 109.1235% | 976 |
| Total domestic deposits to total assets | 86.9798% | 1,825 |
| Equity capital to assets | 10.0411% | 3,789 |
| Core capital (leverage) ratio | 10.5947% | 2,947 |
| Tier 1 risk-based capital ratio | 13.9713% | 3,350 |
| Total risk-based capital ratio | 14.8768% | 3,450 |
| Memoranda: | ||
| Average total assets | $71,300,000 | 4,546 |
| Average earning assets | $67,049,000 | 4,528 |
| Average equity | $7,247,000 | 4,721 |
| Average total loans | $53,489,000 | 4,229 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 2,105 |
| Cost of funding earning assets | 0.5160% | 3,251 |
| Net interest margin | 4.0966% | 1,688 |
| Noninterest income to average assets | 0.8735% | 1,254 |
| Noninterest expense to average assets | 3.9228% | 589 |
| Loan and lease loss provision to assets | 0.1478% | 1,443 |
| Net operating income to assets | 0.6493% | 4,286 |
| Return on assets (ROA) | 0.6090% | 4,400 |
| Pretax return on assets | 0.6444% | 4,548 |
| Return on Equity (ROE) | 5.9014% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.3141% | 2,589 |
| Net charge-offs to loans | 0.1372% | 1,388 |
| Credit loss provision to net charge-offs | 153.8462% | 1,792 |
| Earnings coverage of net charge-offs (x) | 8.6923% | 2,876 |
| Efficiency ratio | 82.4480% | 753 |
| Assets per employee ($millions) | 3.6909% | 4,329 |
| Cash dividends to net income (ytd only)* | 9.9515% | 3,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 4,401 |
| Loan loss allowance to noncurrent loans | 64.6884% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 1,421 |
| Noncurrent loans to loans | 1.2958% | 1,221 |
| Net loans and leases to total assets | 73.5484% | 2,001 |
| Net loans and leases to deposits | 82.1882% | 2,708 |
| Net loans and leases to core deposits | 103.8706% | 1,425 |
| Total domestic deposits to total assets | 89.4878% | 664 |
| Equity capital to assets | 10.2912% | 3,385 |
| Core capital (leverage) ratio | 10.6712% | 2,863 |
| Tier 1 risk-based capital ratio | 14.6166% | 3,012 |
| Total risk-based capital ratio | 15.4658% | 3,120 |
| Memoranda: | ||
| Average total assets | $67,656,000 | 4,620 |
| Average earning assets | $64,150,600 | 4,588 |
| Average equity | $6,981,400 | 4,753 |
| Average total loans | $47,378,400 | 4,366 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4858% | 2,353 |
| Cost of funding earning assets | 0.4868% | 3,281 |
| Net interest margin | 3.9990% | 1,960 |
| Noninterest income to average assets | 0.8771% | 1,257 |
| Noninterest expense to average assets | 3.8226% | 651 |
| Loan and lease loss provision to assets | 0.1671% | 1,125 |
| Net operating income to assets | 0.6415% | 4,393 |
| Return on assets (ROA) | 0.5867% | 4,547 |
| Pretax return on assets | 0.6205% | 4,697 |
| Return on Equity (ROE) | 5.6818% | 4,362 |
| Retained earnings to average equity (ytd only) | 4.8922% | 3,297 |
| Net charge-offs to loans | 0.1817% | 923 |
| Credit loss provision to net charge-offs | 133.3333% | 1,859 |
| Earnings coverage of net charge-offs (x) | 6.7458% | 2,854 |
| Efficiency ratio | 81.8918% | 779 |
| Assets per employee ($millions) | 3.5104% | 4,551 |
| Cash dividends to net income (ytd only)* | 13.8996% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 4,529 |
| Loan loss allowance to noncurrent loans | 67.2496% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 1,646 |
| Noncurrent loans to loans | 1.2312% | 1,368 |
| Net loans and leases to total assets | 72.1680% | 2,306 |
| Net loans and leases to deposits | 80.4034% | 2,994 |
| Net loans and leases to core deposits | 101.4842% | 1,652 |
| Total domestic deposits to total assets | 89.7574% | 581 |
| Equity capital to assets | 10.0375% | 3,603 |
| Core capital (leverage) ratio | 10.6712% | 2,912 |
| Tier 1 risk-based capital ratio | 14.9057% | 2,927 |
| Total risk-based capital ratio | 15.7591% | 3,032 |
| Memoranda: | ||
| Average total assets | $67,038,000 | 4,682 |
| Average earning assets | $63,547,750 | 4,642 |
| Average equity | $6,922,500 | 4,808 |
| Average total loans | $46,219,500 | 4,436 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 2,476 |
| Cost of funding earning assets | 0.4480% | 3,372 |
| Net interest margin | 3.9357% | 2,085 |
| Noninterest income to average assets | 0.8396% | 1,350 |
| Noninterest expense to average assets | 3.9617% | 560 |
| Loan and lease loss provision to assets | 0.2122% | 787 |
| Net operating income to assets | 0.3549% | 5,043 |
| Return on assets (ROA) | 0.2758% | 5,146 |
| Pretax return on assets | 0.3061% | 5,159 |
| Return on Equity (ROE) | 2.6450% | 5,074 |
| Retained earnings to average equity (ytd only) | 1.4533% | 4,650 |
| Net charge-offs to loans | 0.0135% | 2,685 |
| Credit loss provision to net charge-offs | 2,333.3333% | 177 |
| Earnings coverage of net charge-offs (x) | 66.6667% | 933 |
| Efficiency ratio | 86.7286% | 534 |
| Assets per employee ($millions) | 3.4154% | 4,700 |
| Cash dividends to net income (ytd only)* | 45.0549% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,832 |
| Loan loss allowance to noncurrent loans | 78.3920% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 1,711 |
| Noncurrent loans to loans | 1.2768% | 1,339 |
| Net loans and leases to total assets | 67.7676% | 2,899 |
| Net loans and leases to deposits | 75.4585% | 3,397 |
| Net loans and leases to core deposits | 94.6955% | 2,160 |
| Total domestic deposits to total assets | 89.8078% | 630 |
| Equity capital to assets | 10.0004% | 3,616 |
| Core capital (leverage) ratio | 10.8292% | 2,673 |
| Tier 1 risk-based capital ratio | 15.6599% | 2,561 |
| Total risk-based capital ratio | 16.6801% | 2,600 |
| Memoranda: | ||
| Average total assets | $65,981,670 | 4,759 |
| Average earning assets | $62,504,330 | 4,721 |
| Average equity | $6,881,000 | 4,864 |
| Average total loans | $44,596,000 | 4,535 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 3,061 |
| Cost of funding earning assets | 0.4177% | 3,464 |
| Net interest margin | 3.7331% | 2,675 |
| Noninterest income to average assets | 0.8516% | 1,295 |
| Noninterest expense to average assets | 3.5977% | 875 |
| Loan and lease loss provision to assets | 0.2160% | 738 |
| Net operating income to assets | 0.5307% | 4,624 |
| Return on assets (ROA) | 0.5307% | 4,629 |
| Pretax return on assets | 0.5677% | 4,757 |
| Return on Equity (ROE) | 4.9812% | 4,497 |
| Retained earnings to average equity (ytd only) | 2.6643% | 4,114 |
| Net charge-offs to loans | 0.0092% | 2,409 |
| Credit loss provision to net charge-offs | 3,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 507 |
| Efficiency ratio | 82.1127% | 935 |
| Assets per employee ($millions) | 3.3185% | 4,886 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 4,098 |
| Loan loss allowance to noncurrent loans | 68.2390% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.9583% | 1,653 |
| Noncurrent loans to loans | 1.4265% | 1,243 |
| Net loans and leases to total assets | 66.5235% | 2,963 |
| Net loans and leases to deposits | 74.3646% | 3,378 |
| Net loans and leases to core deposits | 96.6676% | 1,927 |
| Total domestic deposits to total assets | 89.4559% | 910 |
| Equity capital to assets | 10.3196% | 3,254 |
| Core capital (leverage) ratio | 11.1330% | 2,305 |
| Tier 1 risk-based capital ratio | 15.9710% | 2,486 |
| Total risk-based capital ratio | 16.9361% | 2,544 |
| Memoranda: | ||
| Average total assets | $64,819,000 | 4,833 |
| Average earning assets | $61,289,000 | 4,798 |
| Average equity | $6,906,000 | 4,907 |
| Average total loans | $43,515,000 | 4,600 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 2,381 |
| Cost of funding earning assets | 0.3299% | 3,875 |
| Net interest margin | 3.9553% | 1,901 |
| Noninterest income to average assets | 0.8790% | 1,329 |
| Noninterest expense to average assets | 3.9454% | 580 |
| Loan and lease loss provision to assets | 0.1815% | 1,180 |
| Net operating income to assets | 0.5066% | 4,357 |
| Return on assets (ROA) | 0.5097% | 4,385 |
| Pretax return on assets | 0.4829% | 4,950 |
| Return on Equity (ROE) | 4.0633% | 4,484 |
| Retained earnings to average equity (ytd only) | 0.4529% | 4,857 |
| Net charge-offs to loans | 0.6519% | 333 |
| Credit loss provision to net charge-offs | 41.9708% | 3,423 |
| Earnings coverage of net charge-offs (x) | 1.5292% | 3,873 |
| Efficiency ratio | 85.6458% | 659 |
| Assets per employee ($millions) | 3.5149% | 4,678 |
| Cash dividends to net income (ytd only)* | 88.8545% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,258 |
| Loan loss allowance to noncurrent loans | 62.0155% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 1,503 |
| Noncurrent loans to loans | 1.5196% | 1,114 |
| Net loans and leases to total assets | 66.4543% | 3,039 |
| Net loans and leases to deposits | 74.7693% | 3,449 |
| Net loans and leases to core deposits | 91.2851% | 2,430 |
| Total domestic deposits to total assets | 88.8792% | 1,055 |
| Equity capital to assets | 11.0054% | 2,616 |
| Core capital (leverage) ratio | 11.5504% | 1,910 |
| Tier 1 risk-based capital ratio | 16.3857% | 2,306 |
| Total risk-based capital ratio | 17.3044% | 2,351 |
| Memoranda: | ||
| Average total assets | $63,365,400 | 4,891 |
| Average earning assets | $59,718,000 | 4,863 |
| Average equity | $7,949,200 | 4,789 |
| Average total loans | $42,029,800 | 4,665 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,169 |
| Cost of funding earning assets | 0.3280% | 3,863 |
| Net interest margin | 4.0034% | 1,688 |
| Noninterest income to average assets | 0.8708% | 1,369 |
| Noninterest expense to average assets | 3.8491% | 635 |
| Loan and lease loss provision to assets | 0.2040% | 925 |
| Net operating income to assets | 0.5764% | 4,473 |
| Return on assets (ROA) | 0.5805% | 4,495 |
| Pretax return on assets | 0.5952% | 4,857 |
| Return on Equity (ROE) | 4.4900% | 4,717 |
| Retained earnings to average equity (ytd only) | -0.1790% | 5,237 |
| Net charge-offs to loans | 0.4834% | 424 |
| Credit loss provision to net charge-offs | 63.8158% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.4869% | 3,461 |
| Efficiency ratio | 82.8804% | 850 |
| Assets per employee ($millions) | 3.4187% | 4,841 |
| Cash dividends to net income (ytd only)* | 103.9865% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,696 |
| Loan loss allowance to noncurrent loans | 62.5774% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 2.0703% | 611 |
| Noncurrent loans to loans | 1.9803% | 863 |
| Net loans and leases to total assets | 65.4024% | 3,191 |
| Net loans and leases to deposits | 73.9408% | 3,577 |
| Net loans and leases to core deposits | 89.9513% | 2,618 |
| Total domestic deposits to total assets | 88.4523% | 1,149 |
| Equity capital to assets | 11.3137% | 2,559 |
| Core capital (leverage) ratio | 11.5157% | 2,006 |
| Tier 1 risk-based capital ratio | 16.6389% | 2,270 |
| Total risk-based capital ratio | 17.8245% | 2,252 |
| Memoranda: | ||
| Average total assets | $63,389,500 | 4,946 |
| Average earning assets | $59,747,250 | 4,918 |
| Average equity | $8,195,750 | 4,803 |
| Average total loans | $41,926,000 | 4,717 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 1,994 |
| Cost of funding earning assets | 0.3177% | 3,902 |
| Net interest margin | 4.0240% | 1,536 |
| Noninterest income to average assets | 0.8437% | 1,430 |
| Noninterest expense to average assets | 3.9370% | 570 |
| Loan and lease loss provision to assets | 0.1156% | 1,779 |
| Net operating income to assets | 0.5720% | 4,420 |
| Return on assets (ROA) | 0.5781% | 4,454 |
| Pretax return on assets | 0.5968% | 4,814 |
| Return on Equity (ROE) | 4.2988% | 4,733 |
| Retained earnings to average equity (ytd only) | -0.6739% | 5,181 |
| Net charge-offs to loans | 0.7136% | 271 |
| Credit loss provision to net charge-offs | 24.5033% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.4967% | 3,272 |
| Efficiency ratio | 84.7914% | 784 |
| Assets per employee ($millions) | 3.5366% | 4,664 |
| Cash dividends to net income (ytd only)* | 115.6757% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,503 |
| Loan loss allowance to noncurrent loans | 88.4921% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.7704% | 787 |
| Noncurrent loans to loans | 1.2590% | 1,529 |
| Net loans and leases to total assets | 62.1854% | 3,612 |
| Net loans and leases to deposits | 72.1004% | 3,725 |
| Net loans and leases to core deposits | 89.0834% | 2,607 |
| Total domestic deposits to total assets | 86.2484% | 2,270 |
| Equity capital to assets | 13.5238% | 1,133 |
| Core capital (leverage) ratio | 13.6994% | 941 |
| Tier 1 risk-based capital ratio | 20.5683% | 1,263 |
| Total risk-based capital ratio | 21.6193% | 1,270 |
| Memoranda: | ||
| Average total assets | $64,007,330 | 4,972 |
| Average earning assets | $60,436,670 | 4,939 |
| Average equity | $8,607,000 | 4,752 |
| Average total loans | $42,317,670 | 4,736 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 1,803 |
| Cost of funding earning assets | 0.3289% | 3,756 |
| Net interest margin | 4.0254% | 1,402 |
| Noninterest income to average assets | 0.8538% | 1,384 |
| Noninterest expense to average assets | 3.7456% | 727 |
| Loan and lease loss provision to assets | 0.1122% | 1,709 |
| Net operating income to assets | 0.7795% | 3,315 |
| Return on assets (ROA) | 0.7915% | 3,318 |
| Pretax return on assets | 0.8227% | 4,023 |
| Return on Equity (ROE) | 5.9029% | 3,960 |
| Retained earnings to average equity (ytd only) | -0.4648% | 4,991 |
| Net charge-offs to loans | 1.1781% | 152 |
| Credit loss provision to net charge-offs | 14.0625% | 2,203 |
| Earnings coverage of net charge-offs (x) | 1.1563% | 2,755 |
| Efficiency ratio | 80.2403% | 1,354 |
| Assets per employee ($millions) | 3.4105% | 4,916 |
| Cash dividends to net income (ytd only)* | 107.8740% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 4,060 |
| Loan loss allowance to noncurrent loans | 84.1121% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 1,646 |
| Noncurrent loans to loans | 1.2307% | 1,645 |
| Net loans and leases to total assets | 66.3930% | 2,915 |
| Net loans and leases to deposits | 76.7086% | 3,110 |
| Net loans and leases to core deposits | 93.7544% | 2,003 |
| Total domestic deposits to total assets | 86.5523% | 2,416 |
| Equity capital to assets | 13.2996% | 1,149 |
| Core capital (leverage) ratio | 13.5022% | 976 |
| Tier 1 risk-based capital ratio | 19.7896% | 1,427 |
| Total risk-based capital ratio | 20.8075% | 1,459 |
| Memoranda: | ||
| Average total assets | $64,182,000 | 5,030 |
| Average earning assets | $60,813,500 | 4,974 |
| Average equity | $8,606,000 | 4,794 |
| Average total loans | $43,460,500 | 4,743 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 1,958 |
| Cost of funding earning assets | 0.3461% | 3,566 |
| Net interest margin | 4.0128% | 1,596 |
| Noninterest income to average assets | 0.8787% | 1,484 |
| Noninterest expense to average assets | 3.9215% | 670 |
| Loan and lease loss provision to assets | 0.0091% | 4,188 |
| Net operating income to assets | 0.4099% | 4,907 |
| Return on assets (ROA) | 0.4235% | 4,948 |
| Pretax return on assets | 0.7743% | 4,257 |
| Return on Equity (ROE) | 3.0850% | 5,133 |
| Retained earnings to average equity (ytd only) | -25.3410% | 5,872 |
| Net charge-offs to loans | 0.0729% | 2,656 |
| Credit loss provision to net charge-offs | 18.7500% | 3,682 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 2,179 |
| Efficiency ratio | 83.7262% | 1,037 |
| Assets per employee ($millions) | 3.3455% | 4,985 |
| Cash dividends to net income (ytd only)* | 921.4286% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,604 |
| Loan loss allowance to noncurrent loans | 92.8690% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 1,892 |
| Noncurrent loans to loans | 1.3878% | 1,472 |
| Net loans and leases to total assets | 67.4727% | 2,855 |
| Net loans and leases to deposits | 78.1420% | 3,087 |
| Net loans and leases to core deposits | 101.0603% | 1,529 |
| Total domestic deposits to total assets | 86.3463% | 2,435 |
| Equity capital to assets | 13.5200% | 1,041 |
| Core capital (leverage) ratio | 13.6835% | 902 |
| Tier 1 risk-based capital ratio | 19.9941% | 1,372 |
| Total risk-based capital ratio | 21.2428% | 1,343 |
| Memoranda: | ||
| Average total assets | $66,123,400 | 5,010 |
| Average earning assets | $62,699,400 | 4,967 |
| Average equity | $9,076,200 | 4,745 |
| Average total loans | $43,891,800 | 4,757 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 2,088 |
| Cost of funding earning assets | 0.3454% | 3,586 |
| Net interest margin | 3.9827% | 1,704 |
| Noninterest income to average assets | 0.8647% | 1,533 |
| Noninterest expense to average assets | 3.8184% | 734 |
| Loan and lease loss provision to assets | 0.0060% | 4,110 |
| Net operating income to assets | 0.3915% | 5,045 |
| Return on assets (ROA) | 0.4094% | 5,076 |
| Pretax return on assets | 0.8448% | 4,172 |
| Return on Equity (ROE) | 2.9720% | 5,227 |
| Retained earnings to average equity (ytd only) | -33.4168% | 5,949 |
| Net charge-offs to loans | 0.1000% | 1,949 |
| Credit loss provision to net charge-offs | 9.0909% | 3,372 |
| Earnings coverage of net charge-offs (x) | 12.4845% | 2,384 |
| Efficiency ratio | 82.2719% | 1,162 |
| Assets per employee ($millions) | 3.4028% | 4,905 |
| Cash dividends to net income (ytd only)* | 1,224.3735% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,774 |
| Loan loss allowance to noncurrent loans | 351.8987% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 4,229 |
| Noncurrent loans to loans | 0.3650% | 3,951 |
| Net loans and leases to total assets | 66.0882% | 3,109 |
| Net loans and leases to deposits | 76.7619% | 3,314 |
| Net loans and leases to core deposits | 93.8149% | 2,206 |
| Total domestic deposits to total assets | 86.0950% | 2,305 |
| Equity capital to assets | 13.5616% | 1,217 |
| Core capital (leverage) ratio | 13.3968% | 1,035 |
| Tier 1 risk-based capital ratio | 19.3092% | 1,598 |
| Total risk-based capital ratio | 20.5356% | 1,564 |
| Memoranda: | ||
| Average total assets | $66,763,000 | 5,041 |
| Average earning assets | $63,306,250 | 4,994 |
| Average equity | $9,196,750 | 4,766 |
| Average total loans | $44,002,500 | 4,785 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 2,221 |
| Cost of funding earning assets | 0.3472% | 3,600 |
| Net interest margin | 3.9315% | 1,875 |
| Noninterest income to average assets | 0.8360% | 1,593 |
| Noninterest expense to average assets | 3.7737% | 797 |
| Loan and lease loss provision to assets | 0.0059% | 3,942 |
| Net operating income to assets | 0.1590% | 5,599 |
| Return on assets (ROA) | 0.1571% | 5,650 |
| Pretax return on assets | 0.7796% | 4,352 |
| Return on Equity (ROE) | 1.1349% | 5,668 |
| Retained earnings to average equity (ytd only) | -52.6143% | 6,040 |
| Net charge-offs to loans | 0.1763% | 1,285 |
| Credit loss provision to net charge-offs | 5.1282% | 3,028 |
| Earnings coverage of net charge-offs (x) | 6.8205% | 2,697 |
| Efficiency ratio | 82.7160% | 1,183 |
| Assets per employee ($millions) | 3.4222% | 4,883 |
| Cash dividends to net income (ytd only)* | 4,735.8491% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 2,953 |
| Loan loss allowance to noncurrent loans | 415.9091% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 4,475 |
| Noncurrent loans to loans | 0.3055% | 4,274 |
| Net loans and leases to total assets | 65.6132% | 3,139 |
| Net loans and leases to deposits | 75.9331% | 3,393 |
| Net loans and leases to core deposits | 92.6590% | 2,289 |
| Total domestic deposits to total assets | 86.4092% | 2,211 |
| Equity capital to assets | 13.2617% | 1,347 |
| Core capital (leverage) ratio | 13.1766% | 1,092 |
| Tier 1 risk-based capital ratio | 20.6868% | 1,311 |
| Total risk-based capital ratio | 21.9371% | 1,293 |
| Memoranda: | ||
| Average total assets | $67,466,330 | 5,078 |
| Average earning assets | $63,945,330 | 5,032 |
| Average equity | $9,339,670 | 4,766 |
| Average total loans | $44,242,000 | 4,821 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 2,240 |
| Cost of funding earning assets | 0.3625% | 3,477 |
| Net interest margin | 3.9074% | 1,916 |
| Noninterest income to average assets | 0.8036% | 1,604 |
| Noninterest expense to average assets | 3.9250% | 667 |
| Loan and lease loss provision to assets | 0.0116% | 3,535 |
| Net operating income to assets | -0.6177% | 5,989 |
| Return on assets (ROA) | -0.6289% | 5,995 |
| Pretax return on assets | 0.5532% | 4,946 |
| Return on Equity (ROE) | -4.4545% | 5,963 |
| Retained earnings to average equity (ytd only) | -107.9810% | 6,109 |
| Net charge-offs to loans | 0.3128% | 696 |
| Credit loss provision to net charge-offs | 5.7143% | 2,389 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 2,620 |
| Efficiency ratio | 87.0801% | 882 |
| Assets per employee ($millions) | 3.5019% | 4,804 |
| Cash dividends to net income (ytd only)* | -2,324.0741% | 6,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 3,067 |
| Loan loss allowance to noncurrent loans | 412.6866% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 4,545 |
| Noncurrent loans to loans | 0.3072% | 4,325 |
| Net loans and leases to total assets | 64.7294% | 3,149 |
| Net loans and leases to deposits | 74.3710% | 3,398 |
| Net loans and leases to core deposits | 90.6410% | 2,312 |
| Total domestic deposits to total assets | 87.0358% | 2,196 |
| Equity capital to assets | 12.6636% | 1,580 |
| Core capital (leverage) ratio | 12.3830% | 1,388 |
| Tier 1 risk-based capital ratio | 19.2529% | 1,673 |
| Total risk-based capital ratio | 20.5026% | 1,640 |
| Memoranda: | ||
| Average total assets | $68,688,500 | 5,100 |
| Average earning assets | $65,107,000 | 5,045 |
| Average equity | $9,698,000 | 4,729 |
| Average total loans | $44,757,000 | 4,840 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 2,136 |
| Cost of funding earning assets | 0.3759% | 3,413 |
| Net interest margin | 3.9473% | 1,883 |
| Noninterest income to average assets | 0.9134% | 1,399 |
| Noninterest expense to average assets | 3.5433% | 1,226 |
| Loan and lease loss provision to assets | 0.0580% | 3,153 |
| Net operating income to assets | 0.7164% | 3,733 |
| Return on assets (ROA) | 0.7635% | 3,594 |
| Pretax return on assets | 1.1227% | 2,949 |
| Return on Equity (ROE) | 5.0257% | 4,489 |
| Retained earnings to average equity (ytd only) | 3.4435% | 3,607 |
| Net charge-offs to loans | -0.0042% | 4,949 |
| Credit loss provision to net charge-offs | -2,050.0000% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1239% | 2,250 |
| Assets per employee ($millions) | 3.7284% | 4,416 |
| Cash dividends to net income (ytd only)* | 31.4815% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 3,039 |
| Loan loss allowance to noncurrent loans | 176.7372% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 3,582 |
| Noncurrent loans to loans | 0.7213% | 3,020 |
| Net loans and leases to total assets | 63.9568% | 3,292 |
| Net loans and leases to deposits | 75.8378% | 3,273 |
| Net loans and leases to core deposits | 92.2825% | 2,189 |
| Total domestic deposits to total assets | 84.3337% | 3,356 |
| Equity capital to assets | 15.4856% | 596 |
| Core capital (leverage) ratio | 15.4293% | 549 |
| Tier 1 risk-based capital ratio | 22.4028% | 1,097 |
| Total risk-based capital ratio | 23.5879% | 1,086 |
| Memoranda: | ||
| Average total assets | $70,725,400 | 5,075 |
| Average earning assets | $67,033,800 | 5,016 |
| Average equity | $10,744,800 | 4,533 |
| Average total loans | $47,184,600 | 4,752 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,110 |
| Cost of funding earning assets | 0.3782% | 3,460 |
| Net interest margin | 3.9613% | 1,836 |
| Noninterest income to average assets | 0.9222% | 1,392 |
| Noninterest expense to average assets | 3.4758% | 1,332 |
| Loan and lease loss provision to assets | 0.0773% | 2,635 |
| Net operating income to assets | 0.6669% | 4,048 |
| Return on assets (ROA) | 0.7261% | 3,888 |
| Pretax return on assets | 1.2145% | 2,754 |
| Return on Equity (ROE) | 4.8025% | 4,716 |
| Retained earnings to average equity (ytd only) | 2.6819% | 4,508 |
| Net charge-offs to loans | -0.0281% | 5,330 |
| Credit loss provision to net charge-offs | -410.0000% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3445% | 2,497 |
| Assets per employee ($millions) | 3.8181% | 4,229 |
| Cash dividends to net income (ytd only)* | 44.1557% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 3,192 |
| Loan loss allowance to noncurrent loans | 181.6514% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 3,835 |
| Noncurrent loans to loans | 0.7056% | 3,216 |
| Net loans and leases to total assets | 63.0619% | 3,449 |
| Net loans and leases to deposits | 74.3467% | 3,505 |
| Net loans and leases to core deposits | 90.7445% | 2,379 |
| Total domestic deposits to total assets | 84.8214% | 3,089 |
| Equity capital to assets | 14.9084% | 761 |
| Core capital (leverage) ratio | 15.5170% | 553 |
| Tier 1 risk-based capital ratio | 23.0610% | 1,047 |
| Total risk-based capital ratio | 24.3110% | 1,029 |
| Memoranda: | ||
| Average total assets | $70,696,750 | 5,138 |
| Average earning assets | $66,979,750 | 5,078 |
| Average equity | $10,688,500 | 4,588 |
| Average total loans | $47,507,750 | 4,793 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 1,641 |
| Cost of funding earning assets | 0.3799% | 3,493 |
| Net interest margin | 4.0851% | 1,389 |
| Noninterest income to average assets | 0.8847% | 1,490 |
| Noninterest expense to average assets | 3.4018% | 1,472 |
| Loan and lease loss provision to assets | 0.1113% | 1,976 |
| Net operating income to assets | 0.7304% | 3,736 |
| Return on assets (ROA) | 0.8162% | 3,409 |
| Pretax return on assets | 1.3727% | 2,095 |
| Return on Equity (ROE) | 5.3727% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.1792% | 4,620 |
| Net charge-offs to loans | -0.0125% | 4,995 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5916% | 3,056 |
| Assets per employee ($millions) | 3.6688% | 4,493 |
| Cash dividends to net income (ytd only)* | 59.4406% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 3,717 |
| Loan loss allowance to noncurrent loans | 186.3057% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 3,701 |
| Noncurrent loans to loans | 0.6510% | 3,523 |
| Net loans and leases to total assets | 68.3576% | 2,594 |
| Net loans and leases to deposits | 80.9686% | 2,673 |
| Net loans and leases to core deposits | 99.7885% | 1,506 |
| Total domestic deposits to total assets | 84.4248% | 3,387 |
| Equity capital to assets | 15.3112% | 645 |
| Core capital (leverage) ratio | 15.3800% | 563 |
| Tier 1 risk-based capital ratio | 22.8048% | 1,104 |
| Total risk-based capital ratio | 24.0396% | 1,088 |
| Memoranda: | ||
| Average total assets | $70,081,330 | 5,214 |
| Average earning assets | $66,338,000 | 5,145 |
| Average equity | $10,646,330 | 4,629 |
| Average total loans | $47,896,670 | 4,822 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3938% | 1,788 |
| Cost of funding earning assets | 0.3787% | 3,541 |
| Net interest margin | 4.0151% | 1,508 |
| Noninterest income to average assets | 0.8311% | 1,597 |
| Noninterest expense to average assets | 3.3813% | 1,525 |
| Loan and lease loss provision to assets | 0.1423% | 1,436 |
| Net operating income to assets | 0.6496% | 4,047 |
| Return on assets (ROA) | 0.8026% | 3,372 |
| Pretax return on assets | 1.3491% | 2,078 |
| Return on Equity (ROE) | 5.3042% | 4,376 |
| Retained earnings to average equity (ytd only) | -1.0909% | 5,572 |
| Net charge-offs to loans | 0.0168% | 2,832 |
| Credit loss provision to net charge-offs | 1,250.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 456 |
| Efficiency ratio | 72.9730% | 2,993 |
| Assets per employee ($millions) | 3.6979% | 4,521 |
| Cash dividends to net income (ytd only)* | 120.5674% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 4,216 |
| Loan loss allowance to noncurrent loans | 157.2222% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 3,597 |
| Noncurrent loans to loans | 0.7366% | 3,422 |
| Net loans and leases to total assets | 68.7518% | 2,324 |
| Net loans and leases to deposits | 81.2942% | 2,410 |
| Net loans and leases to core deposits | 99.4176% | 1,364 |
| Total domestic deposits to total assets | 84.5716% | 3,591 |
| Equity capital to assets | 15.1580% | 688 |
| Core capital (leverage) ratio | 15.0350% | 605 |
| Tier 1 risk-based capital ratio | 21.0048% | 1,424 |
| Total risk-based capital ratio | 22.1200% | 1,419 |
| Memoranda: | ||
| Average total assets | $70,268,500 | 5,251 |
| Average earning assets | $66,549,000 | 5,180 |
| Average equity | $10,633,000 | 4,668 |
| Average total loans | $47,727,500 | 4,860 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 1,882 |
| Cost of funding earning assets | 0.4047% | 3,648 |
| Net interest margin | 4.0915% | 1,606 |
| Noninterest income to average assets | 0.7872% | 1,920 |
| Noninterest expense to average assets | 3.4794% | 1,531 |
| Loan and lease loss provision to assets | 0.0840% | 2,803 |
| Net operating income to assets | 0.7344% | 3,711 |
| Return on assets (ROA) | 0.7522% | 3,720 |
| Pretax return on assets | 1.1304% | 2,964 |
| Return on Equity (ROE) | 5.2330% | 4,542 |
| Retained earnings to average equity (ytd only) | 3.5764% | 3,678 |
| Net charge-offs to loans | 0.3074% | 1,433 |
| Credit loss provision to net charge-offs | 41.9580% | 3,638 |
| Earnings coverage of net charge-offs (x) | 5.9301% | 3,314 |
| Efficiency ratio | 74.5498% | 2,743 |
| Assets per employee ($millions) | 3.6988% | 4,530 |
| Cash dividends to net income (ytd only)* | 31.6574% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 4,193 |
| Loan loss allowance to noncurrent loans | 577.6596% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 4,947 |
| Noncurrent loans to loans | 0.2018% | 5,097 |
| Net loans and leases to total assets | 65.5136% | 2,976 |
| Net loans and leases to deposits | 77.3252% | 3,045 |
| Net loans and leases to core deposits | 97.2827% | 1,612 |
| Total domestic deposits to total assets | 84.7247% | 3,408 |
| Equity capital to assets | 15.1059% | 691 |
| Core capital (leverage) ratio | 15.0266% | 610 |
| Tier 1 risk-based capital ratio | 23.1479% | 1,063 |
| Total risk-based capital ratio | 24.3238% | 1,053 |
| Memoranda: | ||
| Average total assets | $71,391,600 | 5,247 |
| Average earning assets | $67,701,200 | 5,181 |
| Average equity | $10,261,800 | 4,695 |
| Average total loans | $46,515,000 | 4,933 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 2,068 |
| Cost of funding earning assets | 0.4059% | 3,714 |
| Net interest margin | 4.0379% | 1,758 |
| Noninterest income to average assets | 0.7627% | 2,040 |
| Noninterest expense to average assets | 3.4211% | 1,612 |
| Loan and lease loss provision to assets | 0.1060% | 2,267 |
| Net operating income to assets | 0.6348% | 4,283 |
| Return on assets (ROA) | 0.6455% | 4,332 |
| Pretax return on assets | 1.0827% | 3,255 |
| Return on Equity (ROE) | 4.5478% | 4,941 |
| Retained earnings to average equity (ytd only) | 2.3197% | 4,893 |
| Net charge-offs to loans | 0.3642% | 1,100 |
| Credit loss provision to net charge-offs | 44.8819% | 3,201 |
| Earnings coverage of net charge-offs (x) | 4.9606% | 3,348 |
| Efficiency ratio | 74.4836% | 2,741 |
| Assets per employee ($millions) | 3.5935% | 4,689 |
| Cash dividends to net income (ytd only)* | 48.9906% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 4,230 |
| Loan loss allowance to noncurrent loans | 97.5439% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 3,269 |
| Noncurrent loans to loans | 1.2288% | 2,591 |
| Net loans and leases to total assets | 63.7679% | 3,214 |
| Net loans and leases to deposits | 74.6855% | 3,342 |
| Net loans and leases to core deposits | 91.4971% | 2,075 |
| Total domestic deposits to total assets | 85.3819% | 3,171 |
| Equity capital to assets | 14.3815% | 886 |
| Core capital (leverage) ratio | 14.5743% | 708 |
| Tier 1 risk-based capital ratio | 22.4582% | 1,196 |
| Total risk-based capital ratio | 23.6476% | 1,189 |
| Memoranda: | ||
| Average total assets | $71,670,250 | 5,291 |
| Average earning assets | $67,986,500 | 5,226 |
| Average equity | $10,173,250 | 4,749 |
| Average total loans | $46,497,750 | 4,984 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 2,027 |
| Cost of funding earning assets | 0.4089% | 3,785 |
| Net interest margin | 4.0327% | 1,714 |
| Noninterest income to average assets | 0.7067% | 2,250 |
| Noninterest expense to average assets | 3.3657% | 1,767 |
| Loan and lease loss provision to assets | 0.1257% | 1,967 |
| Net operating income to assets | 0.6221% | 4,236 |
| Return on assets (ROA) | 0.6257% | 4,314 |
| Pretax return on assets | 1.0502% | 3,279 |
| Return on Equity (ROE) | 4.4273% | 4,952 |
| Retained earnings to average equity (ytd only) | 1.0673% | 5,333 |
| Net charge-offs to loans | 0.2407% | 1,599 |
| Credit loss provision to net charge-offs | 80.3571% | 2,326 |
| Earnings coverage of net charge-offs (x) | 7.4821% | 2,622 |
| Efficiency ratio | 74.1995% | 2,943 |
| Assets per employee ($millions) | 3.6718% | 4,502 |
| Cash dividends to net income (ytd only)* | 75.8929% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 3,622 |
| Loan loss allowance to noncurrent loans | 210.2389% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 4,049 |
| Noncurrent loans to loans | 0.6391% | 4,109 |
| Net loans and leases to total assets | 61.5951% | 3,469 |
| Net loans and leases to deposits | 71.6892% | 3,612 |
| Net loans and leases to core deposits | 88.3078% | 2,280 |
| Total domestic deposits to total assets | 85.9197% | 3,083 |
| Equity capital to assets | 13.8856% | 1,020 |
| Core capital (leverage) ratio | 14.4057% | 730 |
| Tier 1 risk-based capital ratio | 22.0773% | 1,249 |
| Total risk-based capital ratio | 23.3008% | 1,230 |
| Memoranda: | ||
| Average total assets | $71,603,670 | 5,347 |
| Average earning assets | $67,993,670 | 5,270 |
| Average equity | $10,119,000 | 4,776 |
| Average total loans | $46,535,000 | 5,016 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 2,142 |
| Cost of funding earning assets | 0.4107% | 3,852 |
| Net interest margin | 3.9877% | 1,807 |
| Noninterest income to average assets | 0.7130% | 2,111 |
| Noninterest expense to average assets | 3.3839% | 1,741 |
| Loan and lease loss provision to assets | 0.2546% | 840 |
| Net operating income to assets | 0.5715% | 4,344 |
| Return on assets (ROA) | 0.5715% | 4,420 |
| Pretax return on assets | 0.8658% | 3,842 |
| Return on Equity (ROE) | 4.0079% | 5,030 |
| Retained earnings to average equity (ytd only) | 4.0079% | 3,709 |
| Net charge-offs to loans | 0.4181% | 872 |
| Credit loss provision to net charge-offs | 91.8367% | 1,781 |
| Earnings coverage of net charge-offs (x) | 4.0408% | 2,579 |
| Efficiency ratio | 75.1256% | 2,945 |
| Assets per employee ($millions) | 3.5281% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 3,853 |
| Loan loss allowance to noncurrent loans | 97.4922% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 3,360 |
| Noncurrent loans to loans | 1.3836% | 2,714 |
| Net loans and leases to total assets | 64.4681% | 2,815 |
| Net loans and leases to deposits | 75.4357% | 2,879 |
| Net loans and leases to core deposits | 90.4248% | 1,877 |
| Total domestic deposits to total assets | 85.4610% | 3,638 |
| Equity capital to assets | 14.3959% | 812 |
| Core capital (leverage) ratio | 14.7564% | 635 |
| Tier 1 risk-based capital ratio | 22.6536% | 1,184 |
| Total risk-based capital ratio | 23.9034% | 1,169 |
| Memoranda: | ||
| Average total assets | $70,687,500 | 5,418 |
| Average earning assets | $67,207,500 | 5,345 |
| Average equity | $10,080,000 | 4,797 |
| Average total loans | $46,878,000 | 5,049 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2799% | 3,039 |
| Cost of funding earning assets | 0.5296% | 3,288 |
| Net interest margin | 3.7503% | 2,844 |
| Noninterest income to average assets | 0.6896% | 2,605 |
| Noninterest expense to average assets | 3.2860% | 2,179 |
| Loan and lease loss provision to assets | 0.0246% | 4,632 |
| Net operating income to assets | 0.6208% | 4,160 |
| Return on assets (ROA) | 0.6352% | 4,199 |
| Pretax return on assets | 0.9812% | 3,427 |
| Return on Equity (ROE) | 4.8967% | 4,677 |
| Retained earnings to average equity (ytd only) | 2.7981% | 4,254 |
| Net charge-offs to loans | 0.3118% | 2,126 |
| Credit loss provision to net charge-offs | 12.7517% | 4,554 |
| Earnings coverage of net charge-offs (x) | 5.0940% | 3,385 |
| Efficiency ratio | 76.9581% | 2,623 |
| Assets per employee ($millions) | 3.5407% | 4,823 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 4,072 |
| Loan loss allowance to noncurrent loans | 72.2030% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.2667% | 2,881 |
| Noncurrent loans to loans | 1.8197% | 2,212 |
| Net loans and leases to total assets | 66.3974% | 2,630 |
| Net loans and leases to deposits | 77.3793% | 2,802 |
| Net loans and leases to core deposits | 91.6888% | 1,823 |
| Total domestic deposits to total assets | 85.8077% | 3,358 |
| Equity capital to assets | 14.1245% | 868 |
| Core capital (leverage) ratio | 14.4156% | 710 |
| Tier 1 risk-based capital ratio | 21.6269% | 1,314 |
| Total risk-based capital ratio | 22.8464% | 1,297 |
| Memoranda: | ||
| Average total assets | $77,146,600 | 5,301 |
| Average earning assets | $73,646,800 | 5,202 |
| Average equity | $10,006,800 | 4,847 |
| Average total loans | $47,779,800 | 5,037 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 3,258 |
| Cost of funding earning assets | 0.5618% | 3,150 |
| Net interest margin | 3.6721% | 3,143 |
| Noninterest income to average assets | 0.6639% | 2,805 |
| Noninterest expense to average assets | 3.0890% | 2,694 |
| Loan and lease loss provision to assets | 0.0254% | 4,499 |
| Net operating income to assets | 0.7409% | 3,644 |
| Return on assets (ROA) | 0.7587% | 3,695 |
| Pretax return on assets | 1.0838% | 3,175 |
| Return on Equity (ROE) | 5.9684% | 4,207 |
| Retained earnings to average equity (ytd only) | 3.1708% | 4,416 |
| Net charge-offs to loans | 0.0530% | 4,150 |
| Credit loss provision to net charge-offs | 78.9474% | 2,873 |
| Earnings coverage of net charge-offs (x) | 33.6877% | 1,139 |
| Efficiency ratio | 74.0260% | 3,066 |
| Assets per employee ($millions) | 3.8880% | 4,055 |
| Cash dividends to net income (ytd only)* | 46.8744% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 2,954 |
| Loan loss allowance to noncurrent loans | 223.4421% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 4,920 |
| Noncurrent loans to loans | 0.7216% | 4,408 |
| Net loans and leases to total assets | 62.1981% | 3,327 |
| Net loans and leases to deposits | 72.0941% | 3,504 |
| Net loans and leases to core deposits | 83.5613% | 2,696 |
| Total domestic deposits to total assets | 86.2736% | 3,093 |
| Equity capital to assets | 13.5857% | 1,083 |
| Core capital (leverage) ratio | 13.6620% | 964 |
| Tier 1 risk-based capital ratio | 22.0899% | 1,306 |
| Total risk-based capital ratio | 23.3234% | 1,291 |
| Memoranda: | ||
| Average total assets | $78,730,000 | 5,318 |
| Average earning assets | $75,231,250 | 5,218 |
| Average equity | $10,008,000 | 4,900 |
| Average total loans | $47,813,750 | 5,082 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 3,491 |
| Cost of funding earning assets | 0.5755% | 3,162 |
| Net interest margin | 3.5885% | 3,409 |
| Noninterest income to average assets | 0.6347% | 2,993 |
| Noninterest expense to average assets | 3.0616% | 2,792 |
| Loan and lease loss provision to assets | 0.0324% | 4,285 |
| Net operating income to assets | 0.6783% | 3,914 |
| Return on assets (ROA) | 0.7044% | 3,955 |
| Pretax return on assets | 1.0081% | 3,473 |
| Return on Equity (ROE) | 5.6608% | 4,367 |
| Retained earnings to average equity (ytd only) | 1.4602% | 5,290 |
| Net charge-offs to loans | 0.0789% | 3,589 |
| Credit loss provision to net charge-offs | 68.4211% | 2,855 |
| Earnings coverage of net charge-offs (x) | 21.2105% | 1,424 |
| Efficiency ratio | 75.3215% | 2,892 |
| Assets per employee ($millions) | 3.8229% | 4,162 |
| Cash dividends to net income (ytd only)* | 74.2049% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 3,256 |
| Loan loss allowance to noncurrent loans | 225.2252% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 4,461 |
| Noncurrent loans to loans | 0.6982% | 4,539 |
| Net loans and leases to total assets | 61.4023% | 3,404 |
| Net loans and leases to deposits | 70.5959% | 3,645 |
| Net loans and leases to core deposits | 83.7173% | 2,596 |
| Total domestic deposits to total assets | 86.9772% | 2,835 |
| Equity capital to assets | 12.9274% | 1,370 |
| Core capital (leverage) ratio | 13.1654% | 1,109 |
| Tier 1 risk-based capital ratio | 21.2375% | 1,438 |
| Total risk-based capital ratio | 22.5120% | 1,403 |
| Memoranda: | ||
| Average total assets | $80,349,330 | 5,308 |
| Average earning assets | $76,801,670 | 5,202 |
| Average equity | $9,998,670 | 4,937 |
| Average total loans | $48,185,000 | 5,093 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 3,579 |
| Cost of funding earning assets | 0.5580% | 3,493 |
| Net interest margin | 3.5763% | 3,357 |
| Noninterest income to average assets | 0.6173% | 3,043 |
| Noninterest expense to average assets | 2.7997% | 3,699 |
| Loan and lease loss provision to assets | 0.0486% | 3,805 |
| Net operating income to assets | 0.8409% | 2,945 |
| Return on assets (ROA) | 0.8409% | 3,088 |
| Pretax return on assets | 1.1957% | 2,590 |
| Return on Equity (ROE) | 6.8815% | 3,556 |
| Retained earnings to average equity (ytd only) | -1.4718% | 6,021 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 4,105 |
| Assets per employee ($millions) | 4.1090% | 3,727 |
| Cash dividends to net income (ytd only)* | 121.3873% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 3,462 |
| Loan loss allowance to noncurrent loans | 255.3333% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 5,363 |
| Noncurrent loans to loans | 0.6207% | 4,890 |
| Net loans and leases to total assets | 57.8798% | 3,792 |
| Net loans and leases to deposits | 66.0919% | 4,042 |
| Net loans and leases to core deposits | 76.2908% | 3,278 |
| Total domestic deposits to total assets | 87.5747% | 2,585 |
| Equity capital to assets | 12.2172% | 1,898 |
| Core capital (leverage) ratio | 12.1874% | 1,469 |
| Tier 1 risk-based capital ratio | 19.9501% | 1,785 |
| Total risk-based capital ratio | 21.1805% | 1,765 |
| Memoranda: | ||
| Average total assets | $82,295,000 | 5,312 |
| Average earning assets | $78,851,500 | 5,188 |
| Average equity | $10,056,000 | 4,974 |
| Average total loans | $48,429,000 | 5,114 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 3,847 |
| Cost of funding earning assets | 0.7511% | 3,082 |
| Net interest margin | 3.6396% | 3,921 |
| Noninterest income to average assets | 0.7287% | 2,593 |
| Noninterest expense to average assets | 2.9335% | 3,526 |
| Loan and lease loss provision to assets | 0.4736% | 1,305 |
| Net operating income to assets | 0.5081% | 4,648 |
| Return on assets (ROA) | 0.6771% | 4,115 |
| Pretax return on assets | 1.0452% | 3,370 |
| Return on Equity (ROE) | 5.4428% | 4,459 |
| Retained earnings to average equity (ytd only) | 3.7261% | 3,594 |
| Net charge-offs to loans | 0.6308% | 1,861 |
| Credit loss provision to net charge-offs | 127.3649% | 2,212 |
| Earnings coverage of net charge-offs (x) | 3.3851% | 3,750 |
| Efficiency ratio | 69.9730% | 3,823 |
| Assets per employee ($millions) | 4.3374% | 3,280 |
| Cash dividends to net income (ytd only)* | 31.5399% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,484 |
| Loan loss allowance to noncurrent loans | 821.7391% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 6,158 |
| Noncurrent loans to loans | 0.1896% | 5,995 |
| Net loans and leases to total assets | 57.9668% | 3,988 |
| Net loans and leases to deposits | 66.3431% | 4,236 |
| Net loans and leases to core deposits | 76.5463% | 3,456 |
| Total domestic deposits to total assets | 87.3743% | 2,593 |
| Equity capital to assets | 12.2217% | 1,907 |
| Core capital (leverage) ratio | 11.8945% | 1,622 |
| Tier 1 risk-based capital ratio | 19.5221% | 1,807 |
| Total risk-based capital ratio | 20.7936% | 1,773 |
| Memoranda: | ||
| Average total assets | $79,599,000 | 5,365 |
| Average earning assets | $75,750,600 | 5,253 |
| Average equity | $9,903,000 | 4,997 |
| Average total loans | $46,926,000 | 5,215 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 3,868 |
| Cost of funding earning assets | 0.8007% | 2,931 |
| Net interest margin | 3.6421% | 4,047 |
| Noninterest income to average assets | 0.7317% | 2,557 |
| Noninterest expense to average assets | 2.8307% | 3,868 |
| Loan and lease loss provision to assets | 0.6253% | 852 |
| Net operating income to assets | 0.5142% | 4,787 |
| Return on assets (ROA) | 0.7402% | 3,987 |
| Pretax return on assets | 1.0579% | 3,509 |
| Return on Equity (ROE) | 5.9224% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.6237% | 4,330 |
| Net charge-offs to loans | 0.7451% | 1,488 |
| Credit loss provision to net charge-offs | 142.3077% | 2,025 |
| Earnings coverage of net charge-offs (x) | 3.0961% | 3,786 |
| Efficiency ratio | 67.5403% | 4,165 |
| Assets per employee ($millions) | 4.4553% | 2,990 |
| Cash dividends to net income (ytd only)* | 38.8123% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 3,209 |
| Loan loss allowance to noncurrent loans | 1,075.3425% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 6,303 |
| Noncurrent loans to loans | 0.1563% | 6,219 |
| Net loans and leases to total assets | 54.2427% | 4,719 |
| Net loans and leases to deposits | 61.7529% | 4,994 |
| Net loans and leases to core deposits | 71.2289% | 4,348 |
| Total domestic deposits to total assets | 87.8383% | 2,137 |
| Equity capital to assets | 11.8735% | 2,376 |
| Core capital (leverage) ratio | 11.7213% | 1,832 |
| Tier 1 risk-based capital ratio | 17.7698% | 2,437 |
| Total risk-based capital ratio | 18.8372% | 2,472 |
| Memoranda: | ||
| Average total assets | $78,896,000 | 5,437 |
| Average earning assets | $74,937,250 | 5,327 |
| Average equity | $9,860,750 | 5,057 |
| Average total loans | $46,525,750 | 5,296 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 3,461 |
| Cost of funding earning assets | 0.8786% | 2,576 |
| Net interest margin | 3.6956% | 3,843 |
| Noninterest income to average assets | 0.6443% | 2,982 |
| Noninterest expense to average assets | 2.8580% | 3,785 |
| Loan and lease loss provision to assets | 0.7379% | 710 |
| Net operating income to assets | 0.3827% | 5,280 |
| Return on assets (ROA) | 0.7301% | 3,977 |
| Pretax return on assets | 1.0419% | 3,553 |
| Return on Equity (ROE) | 5.7363% | 4,456 |
| Retained earnings to average equity (ytd only) | 2.2659% | 5,063 |
| Net charge-offs to loans | 1.0889% | 1,000 |
| Credit loss provision to net charge-offs | 112.2530% | 2,431 |
| Earnings coverage of net charge-offs (x) | 1.9526% | 3,999 |
| Efficiency ratio | 69.0088% | 3,938 |
| Assets per employee ($millions) | 4.0612% | 3,745 |
| Cash dividends to net income (ytd only)* | 60.4982% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,840 |
| Loan loss allowance to noncurrent loans | 274.7082% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 5,065 |
| Noncurrent loans to loans | 0.5596% | 5,391 |
| Net loans and leases to total assets | 58.6079% | 4,063 |
| Net loans and leases to deposits | 67.3653% | 4,307 |
| Net loans and leases to core deposits | 78.9728% | 3,366 |
| Total domestic deposits to total assets | 87.0001% | 2,764 |
| Equity capital to assets | 12.7978% | 1,631 |
| Core capital (leverage) ratio | 12.6827% | 1,271 |
| Tier 1 risk-based capital ratio | 18.4091% | 2,157 |
| Total risk-based capital ratio | 19.6269% | 2,132 |
| Memoranda: | ||
| Average total assets | $76,977,670 | 5,522 |
| Average earning assets | $72,842,670 | 5,435 |
| Average equity | $9,797,330 | 5,076 |
| Average total loans | $46,467,000 | 5,326 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 3,020 |
| Cost of funding earning assets | 0.9430% | 2,356 |
| Net interest margin | 3.7663% | 3,533 |
| Noninterest income to average assets | 0.6451% | 2,960 |
| Noninterest expense to average assets | 2.8406% | 3,861 |
| Loan and lease loss provision to assets | 1.1498% | 341 |
| Net operating income to assets | 0.1452% | 6,128 |
| Return on assets (ROA) | 0.8116% | 3,559 |
| Pretax return on assets | 1.1602% | 3,069 |
| Return on Equity (ROE) | 6.3944% | 4,093 |
| Retained earnings to average equity (ytd only) | 6.3944% | 2,744 |
| Net charge-offs to loans | 1.1126% | 925 |
| Credit loss provision to net charge-offs | 170.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 2.0077% | 3,341 |
| Efficiency ratio | 67.6580% | 4,243 |
| Assets per employee ($millions) | 4.5137% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 3,657 |
| Loan loss allowance to noncurrent loans | 2,946.1538% | 170 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 4,027 |
| Noncurrent loans to loans | 0.0549% | 6,618 |
| Net loans and leases to total assets | 60.7405% | 3,504 |
| Net loans and leases to deposits | 69.7036% | 3,767 |
| Net loans and leases to core deposits | 82.1446% | 2,812 |
| Total domestic deposits to total assets | 87.1411% | 2,867 |
| Equity capital to assets | 12.7468% | 1,573 |
| Core capital (leverage) ratio | 12.7265% | 1,229 |
| Tier 1 risk-based capital ratio | 20.2912% | 1,642 |
| Total risk-based capital ratio | 21.5612% | 1,608 |
| Memoranda: | ||
| Average total assets | $76,885,500 | 5,567 |
| Average earning assets | $72,537,500 | 5,481 |
| Average equity | $9,758,500 | 5,101 |
| Average total loans | $46,736,000 | 5,353 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 3,617 |
| Cost of funding earning assets | 1.2909% | 1,527 |
| Net interest margin | 3.5503% | 4,932 |
| Noninterest income to average assets | 0.5988% | 3,170 |
| Noninterest expense to average assets | 2.9487% | 3,775 |
| Loan and lease loss provision to assets | 0.3629% | 2,830 |
| Net operating income to assets | 0.4375% | 4,699 |
| Return on assets (ROA) | 0.5805% | 4,280 |
| Pretax return on assets | 0.8481% | 3,780 |
| Return on Equity (ROE) | 5.0309% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.0309% | 2,616 |
| Net charge-offs to loans | 1.0315% | 1,688 |
| Credit loss provision to net charge-offs | 60.4888% | 5,157 |
| Earnings coverage of net charge-offs (x) | 1.6680% | 4,517 |
| Efficiency ratio | 74.6597% | 3,111 |
| Assets per employee ($millions) | 4.0546% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 4,173 |
| Loan loss allowance to noncurrent loans | 416.6667% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 5,573 |
| Noncurrent loans to loans | 0.3514% | 6,022 |
| Net loans and leases to total assets | 58.9618% | 4,202 |
| Net loans and leases to deposits | 67.5696% | 4,501 |
| Net loans and leases to core deposits | 78.6982% | 3,604 |
| Total domestic deposits to total assets | 87.2608% | 2,604 |
| Equity capital to assets | 12.6379% | 1,712 |
| Core capital (leverage) ratio | 12.5220% | 1,341 |
| Tier 1 risk-based capital ratio | 19.3044% | 1,817 |
| Total risk-based capital ratio | 20.5223% | 1,795 |
| Memoranda: | ||
| Average total assets | $81,831,400 | 5,411 |
| Average earning assets | $77,232,000 | 5,308 |
| Average equity | $9,441,600 | 5,168 |
| Average total loans | $47,600,200 | 5,363 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 3,874 |
| Cost of funding earning assets | 1.3659% | 1,390 |
| Net interest margin | 3.4658% | 5,329 |
| Noninterest income to average assets | 0.5508% | 3,509 |
| Noninterest expense to average assets | 2.7877% | 4,388 |
| Loan and lease loss provision to assets | 0.4769% | 2,083 |
| Net operating income to assets | 0.3870% | 5,053 |
| Return on assets (ROA) | 0.3870% | 5,240 |
| Pretax return on assets | 0.5540% | 4,957 |
| Return on Equity (ROE) | 3.4301% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.4301% | 4,292 |
| Net charge-offs to loans | 0.5919% | 2,484 |
| Credit loss provision to net charge-offs | 139.4366% | 2,289 |
| Earnings coverage of net charge-offs (x) | 3.0141% | 3,626 |
| Efficiency ratio | 73.0025% | 3,362 |
| Assets per employee ($millions) | 4.0093% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0824% | 2,108 |
| Loan loss allowance to noncurrent loans | 130.7270% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9578% | 4,825 |
| Noncurrent loans to loans | 1.5929% | 3,910 |
| Net loans and leases to total assets | 55.8851% | 4,861 |
| Net loans and leases to deposits | 66.0291% | 4,903 |
| Net loans and leases to core deposits | 76.4397% | 4,148 |
| Total domestic deposits to total assets | 84.6370% | 3,947 |
| Equity capital to assets | 12.0744% | 2,196 |
| Core capital (leverage) ratio | 11.7713% | 1,844 |
| Tier 1 risk-based capital ratio | 19.0520% | 1,916 |
| Total risk-based capital ratio | 20.3102% | 1,888 |
| Memoranda: | ||
| Average total assets | $83,029,750 | 5,407 |
| Average earning assets | $78,287,250 | 5,320 |
| Average equity | $9,368,000 | 5,215 |
| Average total loans | $47,975,750 | 5,385 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8503% | 3,865 |
| Cost of funding earning assets | 1.4158% | 1,348 |
| Net interest margin | 3.4344% | 5,424 |
| Noninterest income to average assets | 0.6168% | 3,023 |
| Noninterest expense to average assets | 2.7341% | 4,683 |
| Loan and lease loss provision to assets | 0.7002% | 1,354 |
| Net operating income to assets | 0.2906% | 5,405 |
| Return on assets (ROA) | 0.2906% | 5,545 |
| Pretax return on assets | 0.4120% | 5,358 |
| Return on Equity (ROE) | 2.6340% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.6340% | 4,620 |
| Net charge-offs to loans | 0.8458% | 1,813 |
| Credit loss provision to net charge-offs | 142.7184% | 2,141 |
| Earnings coverage of net charge-offs (x) | 2.2670% | 3,697 |
| Efficiency ratio | 71.0836% | 3,922 |
| Assets per employee ($millions) | 4.3597% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9989% | 2,376 |
| Loan loss allowance to noncurrent loans | 253.8462% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 4,477 |
| Noncurrent loans to loans | 0.7874% | 5,338 |
| Net loans and leases to total assets | 56.6434% | 4,878 |
| Net loans and leases to deposits | 69.2475% | 4,531 |
| Net loans and leases to core deposits | 79.7349% | 3,822 |
| Total domestic deposits to total assets | 81.7985% | 5,237 |
| Equity capital to assets | 11.4023% | 2,601 |
| Core capital (leverage) ratio | 11.0359% | 2,218 |
| Tier 1 risk-based capital ratio | 17.4458% | 2,357 |
| Total risk-based capital ratio | 18.6500% | 2,347 |
| Memoranda: | ||
| Average total assets | $83,977,670 | 5,428 |
| Average earning assets | $78,964,670 | 5,342 |
| Average equity | $9,263,330 | 5,248 |
| Average total loans | $48,712,670 | 5,406 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 3,904 |
| Cost of funding earning assets | 1.4258% | 1,490 |
| Net interest margin | 3.4059% | 5,409 |
| Noninterest income to average assets | 0.6292% | 2,967 |
| Noninterest expense to average assets | 2.7771% | 4,537 |
| Loan and lease loss provision to assets | 0.3075% | 2,708 |
| Net operating income to assets | 0.5204% | 4,402 |
| Return on assets (ROA) | 0.5204% | 4,485 |
| Pretax return on assets | 0.7428% | 4,134 |
| Return on Equity (ROE) | 4.7969% | 4,502 |
| Retained earnings to average equity (ytd only) | 4.7969% | 3,305 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5587% | 3,759 |
| Assets per employee ($millions) | 4.7132% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 2,617 |
| Loan loss allowance to noncurrent loans | 122.8947% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.6290% | 3,804 |
| Noncurrent loans to loans | 1.5640% | 4,130 |
| Net loans and leases to total assets | 56.1771% | 4,968 |
| Net loans and leases to deposits | 70.6614% | 4,242 |
| Net loans and leases to core deposits | 80.7055% | 3,641 |
| Total domestic deposits to total assets | 79.5019% | 6,056 |
| Equity capital to assets | 10.8502% | 2,824 |
| Core capital (leverage) ratio | 11.0591% | 2,143 |
| Tier 1 risk-based capital ratio | 17.4841% | 2,301 |
| Total risk-based capital ratio | 18.7131% | 2,277 |
| Memoranda: | ||
| Average total assets | $84,549,500 | 5,452 |
| Average earning assets | $79,391,500 | 5,379 |
| Average equity | $9,172,500 | 5,268 |
| Average total loans | $49,130,500 | 5,435 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2379% | 3,420 |
| Cost of funding earning assets | 1.6022% | 2,060 |
| Net interest margin | 3.6357% | 4,647 |
| Noninterest income to average assets | 0.4707% | 4,379 |
| Noninterest expense to average assets | 2.7405% | 4,814 |
| Loan and lease loss provision to assets | 0.5578% | 2,896 |
| Net operating income to assets | 0.4226% | 4,448 |
| Return on assets (ROA) | 0.4332% | 4,545 |
| Pretax return on assets | 0.5941% | 4,347 |
| Return on Equity (ROE) | 3.9080% | 4,568 |
| Retained earnings to average equity (ytd only) | 3.9080% | 3,126 |
| Net charge-offs to loans | 0.5665% | 3,350 |
| Credit loss provision to net charge-offs | 154.1806% | 2,299 |
| Earnings coverage of net charge-offs (x) | 3.1438% | 3,500 |
| Efficiency ratio | 70.6708% | 4,042 |
| Assets per employee ($millions) | 4.6812% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7496% | 3,031 |
| Loan loss allowance to noncurrent loans | 179.1753% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 1.9012% | 3,476 |
| Noncurrent loans to loans | 0.9765% | 5,100 |
| Net loans and leases to total assets | 57.9134% | 5,038 |
| Net loans and leases to deposits | 73.1411% | 4,339 |
| Net loans and leases to core deposits | 83.2492% | 3,714 |
| Total domestic deposits to total assets | 79.1804% | 6,038 |
| Equity capital to assets | 10.8471% | 2,820 |
| Core capital (leverage) ratio | 10.8127% | 2,301 |
| Tier 1 risk-based capital ratio | 16.6612% | 2,473 |
| Total risk-based capital ratio | 17.8720% | 2,460 |
| Memoranda: | ||
| Average total assets | $82,650,200 | 5,506 |
| Average earning assets | $77,455,000 | 5,434 |
| Average equity | $9,160,800 | 5,370 |
| Average total loans | $52,784,200 | 5,367 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 3,251 |
| Cost of funding earning assets | 1.6288% | 2,225 |
| Net interest margin | 3.6916% | 4,448 |
| Noninterest income to average assets | 0.4166% | 4,825 |
| Noninterest expense to average assets | 2.7461% | 4,696 |
| Loan and lease loss provision to assets | 0.4199% | 3,386 |
| Net operating income to assets | 0.5009% | 4,312 |
| Return on assets (ROA) | 0.5009% | 4,502 |
| Pretax return on assets | 0.7117% | 4,191 |
| Return on Equity (ROE) | 4.4948% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.4948% | 3,353 |
| Net charge-offs to loans | 0.7119% | 2,641 |
| Credit loss provision to net charge-offs | 90.5594% | 4,738 |
| Earnings coverage of net charge-offs (x) | 2.4406% | 3,955 |
| Efficiency ratio | 70.8194% | 3,917 |
| Assets per employee ($millions) | 4.6961% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 4,859 |
| Loan loss allowance to noncurrent loans | 350.5155% | 852 |
| Noncurrent assets plus other real estate owned to assets | 1.5509% | 4,120 |
| Noncurrent loans to loans | 0.3761% | 6,442 |
| Net loans and leases to total assets | 60.2148% | 4,867 |
| Net loans and leases to deposits | 76.0186% | 4,176 |
| Net loans and leases to core deposits | 86.3368% | 3,599 |
| Total domestic deposits to total assets | 79.2107% | 5,968 |
| Equity capital to assets | 11.0648% | 2,896 |
| Core capital (leverage) ratio | 11.0208% | 2,243 |
| Tier 1 risk-based capital ratio | 16.6276% | 2,496 |
| Total risk-based capital ratio | 17.8645% | 2,462 |
| Memoranda: | ||
| Average total assets | $82,247,250 | 5,588 |
| Average earning assets | $77,110,250 | 5,512 |
| Average equity | $9,166,000 | 5,442 |
| Average total loans | $53,563,250 | 5,411 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3358% | 3,287 |
| Cost of funding earning assets | 1.6615% | 2,324 |
| Net interest margin | 3.6743% | 4,481 |
| Noninterest income to average assets | 0.5203% | 3,953 |
| Noninterest expense to average assets | 2.7023% | 4,895 |
| Loan and lease loss provision to assets | 0.2062% | 4,814 |
| Net operating income to assets | 0.7388% | 3,243 |
| Return on assets (ROA) | 0.7388% | 3,392 |
| Pretax return on assets | 1.0529% | 2,922 |
| Return on Equity (ROE) | 6.6127% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.6127% | 2,013 |
| Net charge-offs to loans | 0.0406% | 5,806 |
| Credit loss provision to net charge-offs | 763.6364% | 487 |
| Earnings coverage of net charge-offs (x) | 46.6364% | 636 |
| Efficiency ratio | 68.2156% | 4,537 |
| Assets per employee ($millions) | 4.4952% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 4,235 |
| Loan loss allowance to noncurrent loans | 93.5252% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.9255% | 3,587 |
| Noncurrent loans to loans | 1.5399% | 4,402 |
| Net loans and leases to total assets | 65.9721% | 3,838 |
| Net loans and leases to deposits | 84.2089% | 2,836 |
| Net loans and leases to core deposits | 96.1577% | 2,423 |
| Total domestic deposits to total assets | 78.3434% | 6,191 |
| Equity capital to assets | 11.5260% | 2,420 |
| Core capital (leverage) ratio | 11.2085% | 2,097 |
| Tier 1 risk-based capital ratio | 16.2393% | 2,578 |
| Total risk-based capital ratio | 17.4911% | 2,531 |
| Memoranda: | ||
| Average total assets | $81,486,670 | 5,649 |
| Average earning assets | $76,314,670 | 5,566 |
| Average equity | $9,103,670 | 5,472 |
| Average total loans | $54,224,670 | 5,412 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3035% | 3,532 |
| Cost of funding earning assets | 1.6875% | 2,449 |
| Net interest margin | 3.6160% | 4,649 |
| Noninterest income to average assets | 0.5332% | 3,790 |
| Noninterest expense to average assets | 2.7050% | 4,887 |
| Loan and lease loss provision to assets | 0.2152% | 4,357 |
| Net operating income to assets | 0.6897% | 3,486 |
| Return on assets (ROA) | 0.6897% | 3,604 |
| Pretax return on assets | 0.9881% | 3,132 |
| Return on Equity (ROE) | 6.2719% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.2719% | 2,484 |
| Net charge-offs to loans | 0.0369% | 5,061 |
| Credit loss provision to net charge-offs | 880.0000% | 528 |
| Earnings coverage of net charge-offs (x) | 49.2000% | 586 |
| Efficiency ratio | 69.2115% | 4,469 |
| Assets per employee ($millions) | 5.1593% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,544 |
| Loan loss allowance to noncurrent loans | 90.1937% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 2.6154% | 2,784 |
| Noncurrent loans to loans | 1.5249% | 4,464 |
| Net loans and leases to total assets | 64.7155% | 4,164 |
| Net loans and leases to deposits | 81.8076% | 3,315 |
| Net loans and leases to core deposits | 92.5681% | 3,034 |
| Total domestic deposits to total assets | 79.1070% | 6,049 |
| Equity capital to assets | 11.0032% | 2,758 |
| Core capital (leverage) ratio | 11.0553% | 2,197 |
| Tier 1 risk-based capital ratio | 16.1258% | 2,601 |
| Total risk-based capital ratio | 17.3777% | 2,556 |
| Memoranda: | ||
| Average total assets | $81,773,500 | 5,714 |
| Average earning assets | $76,327,500 | 5,627 |
| Average equity | $8,992,500 | 5,549 |
| Average total loans | $54,257,000 | 5,481 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8943% | 2,262 |
| Cost of funding earning assets | 2.0532% | 2,707 |
| Net interest margin | 3.8412% | 3,527 |
| Noninterest income to average assets | 0.4359% | 4,908 |
| Noninterest expense to average assets | 3.0330% | 4,017 |
| Loan and lease loss provision to assets | 1.2683% | 1,821 |
| Net operating income to assets | -0.1654% | 5,786 |
| Return on assets (ROA) | -0.1654% | 5,791 |
| Pretax return on assets | -0.3085% | 5,840 |
| Return on Equity (ROE) | -1.4127% | 5,758 |
| Retained earnings to average equity (ytd only) | -1.6930% | 5,434 |
| Net charge-offs to loans | 1.0912% | 2,234 |
| Credit loss provision to net charge-offs | 162.6263% | 2,706 |
| Earnings coverage of net charge-offs (x) | 1.2306% | 4,893 |
| Efficiency ratio | 75.9619% | 3,537 |
| Assets per employee ($millions) | 4.4999% | 2,924 |
| Cash dividends to net income (ytd only)* | -19.8413% | 7,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 4,761 |
| Loan loss allowance to noncurrent loans | 65.2214% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.7988% | 2,500 |
| Noncurrent loans to loans | 1.9946% | 3,655 |
| Net loans and leases to total assets | 66.2239% | 4,102 |
| Net loans and leases to deposits | 83.8387% | 3,308 |
| Net loans and leases to core deposits | 145.1259% | 639 |
| Total domestic deposits to total assets | 78.9896% | 5,980 |
| Equity capital to assets | 10.9904% | 2,708 |
| Core capital (leverage) ratio | 11.2015% | 2,104 |
| Tier 1 risk-based capital ratio | 15.5247% | 2,707 |
| Total risk-based capital ratio | 16.7678% | 2,661 |
| Memoranda: | ||
| Average total assets | $76,163,200 | 5,835 |
| Average earning assets | $70,525,600 | 5,799 |
| Average equity | $8,919,000 | 5,628 |
| Average total loans | $54,437,400 | 5,485 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0076% | 2,003 |
| Cost of funding earning assets | 2.1527% | 2,631 |
| Net interest margin | 3.8549% | 3,407 |
| Noninterest income to average assets | 0.3113% | 5,993 |
| Noninterest expense to average assets | 2.9777% | 4,129 |
| Loan and lease loss provision to assets | 1.3928% | 1,382 |
| Net operating income to assets | -0.5657% | 6,492 |
| Return on assets (ROA) | -0.5657% | 6,489 |
| Pretax return on assets | -0.4981% | 6,294 |
| Return on Equity (ROE) | -4.7515% | 6,422 |
| Retained earnings to average equity (ytd only) | -5.1250% | 6,274 |
| Net charge-offs to loans | 0.8397% | 2,281 |
| Credit loss provision to net charge-offs | 228.2799% | 1,911 |
| Earnings coverage of net charge-offs (x) | 1.4665% | 4,689 |
| Efficiency ratio | 76.8948% | 3,342 |
| Assets per employee ($millions) | 4.4701% | 2,901 |
| Cash dividends to net income (ytd only)* | -7.8610% | 7,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 3,756 |
| Loan loss allowance to noncurrent loans | 42.4508% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 4.2215% | 1,484 |
| Noncurrent loans to loans | 3.3848% | 2,229 |
| Net loans and leases to total assets | 70.0468% | 3,505 |
| Net loans and leases to deposits | 90.1272% | 2,556 |
| Net loans and leases to core deposits | 161.6017% | 358 |
| Total domestic deposits to total assets | 77.7200% | 6,166 |
| Equity capital to assets | 11.5710% | 2,532 |
| Core capital (leverage) ratio | 11.2862% | 2,195 |
| Tier 1 risk-based capital ratio | 16.4124% | 2,467 |
| Total risk-based capital ratio | 17.6645% | 2,405 |
| Memoranda: | ||
| Average total assets | $74,954,500 | 5,909 |
| Average earning assets | $69,243,750 | 5,872 |
| Average equity | $8,923,250 | 5,680 |
| Average total loans | $54,460,000 | 5,541 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1606% | 1,597 |
| Cost of funding earning assets | 2.3095% | 2,322 |
| Net interest margin | 3.8511% | 3,336 |
| Noninterest income to average assets | 0.4798% | 4,626 |
| Noninterest expense to average assets | 3.0318% | 3,961 |
| Loan and lease loss provision to assets | 0.6166% | 2,586 |
| Net operating income to assets | 0.2257% | 5,174 |
| Return on assets (ROA) | 0.0456% | 5,808 |
| Pretax return on assets | 0.0992% | 5,679 |
| Return on Equity (ROE) | 0.3792% | 5,818 |
| Retained earnings to average equity (ytd only) | -0.1784% | 5,262 |
| Net charge-offs to loans | 0.1428% | 4,743 |
| Credit loss provision to net charge-offs | 589.7436% | 790 |
| Earnings coverage of net charge-offs (x) | 9.5385% | 2,112 |
| Efficiency ratio | 75.2495% | 3,838 |
| Assets per employee ($millions) | 4.3547% | 3,015 |
| Cash dividends to net income (ytd only)* | 147.0588% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 6,504 |
| Loan loss allowance to noncurrent loans | 38.1159% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 2.7529% | 2,335 |
| Noncurrent loans to loans | 2.5193% | 2,871 |
| Net loans and leases to total assets | 73.2825% | 2,887 |
| Net loans and leases to deposits | 95.4015% | 1,888 |
| Net loans and leases to core deposits | 171.4525% | 307 |
| Total domestic deposits to total assets | 76.8148% | 6,370 |
| Equity capital to assets | 12.1046% | 2,149 |
| Core capital (leverage) ratio | 11.9680% | 1,846 |
| Tier 1 risk-based capital ratio | 16.1320% | 2,578 |
| Total risk-based capital ratio | 17.0779% | 2,623 |
| Memoranda: | ||
| Average total assets | $74,608,670 | 5,964 |
| Average earning assets | $68,760,000 | 5,928 |
| Average equity | $8,966,670 | 5,695 |
| Average total loans | $54,611,330 | 5,573 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1843% | 1,649 |
| Cost of funding earning assets | 2.5097% | 1,884 |
| Net interest margin | 3.6746% | 3,996 |
| Noninterest income to average assets | 0.1762% | 7,044 |
| Noninterest expense to average assets | 3.0602% | 3,518 |
| Loan and lease loss provision to assets | 0.1869% | 4,568 |
| Net operating income to assets | 0.2258% | 5,577 |
| Return on assets (ROA) | 0.2296% | 5,724 |
| Pretax return on assets | 0.3204% | 5,622 |
| Return on Equity (ROE) | 1.9176% | 5,800 |
| Retained earnings to average equity (ytd only) | 0.8027% | 5,338 |
| Net charge-offs to loans | 0.1540% | 3,725 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 4.4762% | 2,876 |
| Efficiency ratio | 85.9070% | 2,076 |
| Assets per employee ($millions) | 4.4045% | 2,876 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6399% | 7,586 |
| Loan loss allowance to noncurrent loans | 29.4118% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 2.4080% | 2,383 |
| Noncurrent loans to loans | 2.1756% | 3,014 |
| Net loans and leases to total assets | 72.5827% | 3,100 |
| Net loans and leases to deposits | 94.3934% | 2,210 |
| Net loans and leases to core deposits | 169.3264% | 359 |
| Total domestic deposits to total assets | 76.8938% | 6,304 |
| Equity capital to assets | 12.0599% | 2,224 |
| Core capital (leverage) ratio | 11.7223% | 2,035 |
| Tier 1 risk-based capital ratio | 15.9121% | 2,720 |
| Total risk-based capital ratio | 16.5311% | 2,887 |
| Memoranda: | ||
| Average total assets | $74,898,000 | 5,977 |
| Average earning assets | $69,013,500 | 5,950 |
| Average equity | $8,969,500 | 5,707 |
| Average total loans | $54,528,500 | 5,606 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5773% | 2,594 |
| Cost of funding earning assets | 2.8350% | 2,556 |
| Net interest margin | 3.7423% | 4,261 |
| Noninterest income to average assets | 0.7424% | 2,831 |
| Noninterest expense to average assets | 2.9501% | 4,258 |
| Loan and lease loss provision to assets | 0.3380% | 3,692 |
| Net operating income to assets | 0.6579% | 4,074 |
| Return on assets (ROA) | 0.6579% | 3,921 |
| Pretax return on assets | 0.9391% | 3,589 |
| Return on Equity (ROE) | 5.4633% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.4633% | 1,779 |
| Net charge-offs to loans | 0.8534% | 1,472 |
| Credit loss provision to net charge-offs | 54.7085% | 6,297 |
| Earnings coverage of net charge-offs (x) | 2.0673% | 5,044 |
| Efficiency ratio | 69.7903% | 4,392 |
| Assets per employee ($millions) | 4.6825% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 7,651 |
| Loan loss allowance to noncurrent loans | 50.7576% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 3.2088% | 1,424 |
| Noncurrent loans to loans | 1.2141% | 4,089 |
| Net loans and leases to total assets | 72.1103% | 3,561 |
| Net loans and leases to deposits | 93.5320% | 2,851 |
| Net loans and leases to core deposits | 178.5891% | 303 |
| Total domestic deposits to total assets | 77.0969% | 5,967 |
| Equity capital to assets | 11.8914% | 2,363 |
| Core capital (leverage) ratio | 11.6808% | 2,138 |
| Tier 1 risk-based capital ratio | 15.8656% | 2,721 |
| Total risk-based capital ratio | 16.4576% | 2,878 |
| Memoranda: | ||
| Average total assets | $72,199,800 | 5,955 |
| Average earning assets | $67,231,000 | 5,921 |
| Average equity | $8,694,400 | 5,844 |
| Average total loans | $52,262,000 | 5,608 |