Home > First Bank > Performance and Condition Ratios
First Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 3,106 |
| Cost of funding earning assets | 0.9082% | 3,254 |
| Net interest margin | 3.4903% | 2,233 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.2510% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5499% | 1,021 |
| Return on assets (ROA) | 1.4791% | 1,149 |
| Pretax return on assets | 1.5816% | 1,396 |
| Return on Equity (ROE) | 26.4200% | 333 |
| Retained earnings to average equity (ytd only) | 13.2088% | 786 |
| Net charge-offs to loans | 0.0288% | 1,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 198.0000% | 604 |
| Efficiency ratio | 57.6017% | 3,256 |
| Assets per employee ($millions) | 5.0496% | 3,568 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 3,437 |
| Loan loss allowance to noncurrent loans | 502.5974% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,211 |
| Noncurrent loans to loans | 0.1961% | 2,571 |
| Net loans and leases to total assets | 30.8000% | 4,301 |
| Net loans and leases to deposits | 32.7138% | 4,348 |
| Net loans and leases to core deposits | 34.9260% | 4,342 |
| Total domestic deposits to total assets | 94.1400% | 179 |
| Equity capital to assets | 5.3596% | 4,178 |
| Core capital (leverage) ratio | 9.6919% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3943% | 1,040 |
| Memoranda: | ||
| Average total assets | $127,464,000 | 3,591 |
| Average earning assets | $119,795,500 | 3,561 |
| Average equity | $7,136,500 | 4,034 |
| Average total loans | $37,032,500 | 4,053 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 3,056 |
| Cost of funding earning assets | 0.7988% | 3,205 |
| Net interest margin | 3.5221% | 2,217 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.1975% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6214% | 912 |
| Return on assets (ROA) | 1.5156% | 1,071 |
| Pretax return on assets | 1.6204% | 1,371 |
| Return on Equity (ROE) | 26.6900% | 299 |
| Retained earnings to average equity (ytd only) | 19.9725% | 249 |
| Net charge-offs to loans | 0.0551% | 975 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 110.8000% | 885 |
| Efficiency ratio | 55.9093% | 3,433 |
| Assets per employee ($millions) | 5.0847% | 3,522 |
| Cash dividends to net income (ytd only)* | 25.1806% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 2,982 |
| Loan loss allowance to noncurrent loans | 463.8554% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 3,116 |
| Noncurrent loans to loans | 0.2358% | 2,317 |
| Net loans and leases to total assets | 27.3900% | 4,373 |
| Net loans and leases to deposits | 29.3002% | 4,409 |
| Net loans and leases to core deposits | 30.7688% | 4,398 |
| Total domestic deposits to total assets | 93.4700% | 187 |
| Equity capital to assets | 6.0920% | 4,122 |
| Core capital (leverage) ratio | 9.6120% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1455% | 936 |
| Memoranda: | ||
| Average total assets | $127,871,667 | 3,594 |
| Average earning assets | $119,929,667 | 3,571 |
| Average equity | $7,260,000 | 4,041 |
| Average total loans | $36,287,667 | 4,077 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 2,812 |
| Cost of funding earning assets | 0.7042% | 3,042 |
| Net interest margin | 3.5911% | 2,153 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.1677% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7193% | 792 |
| Return on assets (ROA) | 1.5220% | 1,118 |
| Pretax return on assets | 1.6281% | 1,405 |
| Return on Equity (ROE) | 27.8100% | 299 |
| Retained earnings to average equity (ytd only) | 27.8142% | 138 |
| Net charge-offs to loans | 0.0326% | 1,061 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 196.6667% | 510 |
| Efficiency ratio | 54.0856% | 3,593 |
| Assets per employee ($millions) | 5.3988% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,295 |
| Loan loss allowance to noncurrent loans | 435.5556% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,106 |
| Noncurrent loans to loans | 0.2411% | 2,295 |
| Net loans and leases to total assets | 28.5100% | 4,394 |
| Net loans and leases to deposits | 30.4503% | 4,438 |
| Net loans and leases to core deposits | 31.8687% | 4,428 |
| Total domestic deposits to total assets | 93.6200% | 211 |
| Equity capital to assets | 5.9697% | 4,211 |
| Core capital (leverage) ratio | 9.1456% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3149% | 1,110 |
| Memoranda: | ||
| Average total assets | $128,248,500 | 3,635 |
| Average earning assets | $119,852,500 | 3,610 |
| Average equity | $7,018,000 | 4,123 |
| Average total loans | $36,832,500 | 4,120 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 3,070 |
| Cost of funding earning assets | 0.2830% | 3,014 |
| Net interest margin | 3.2185% | 2,815 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.1952% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4367% | 1,034 |
| Return on assets (ROA) | 1.3359% | 1,284 |
| Pretax return on assets | 1.4258% | 1,697 |
| Return on Equity (ROE) | 21.2800% | 376 |
| Retained earnings to average equity (ytd only) | 13.1096% | 493 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.8783% | 3,211 |
| Assets per employee ($millions) | 5.5186% | 3,196 |
| Cash dividends to net income (ytd only)* | 38.3934% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 2,955 |
| Loan loss allowance to noncurrent loans | 420.2128% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,048 |
| Noncurrent loans to loans | 0.2587% | 2,236 |
| Net loans and leases to total assets | 28.3200% | 4,427 |
| Net loans and leases to deposits | 29.9176% | 4,474 |
| Net loans and leases to core deposits | 31.1142% | 4,470 |
| Total domestic deposits to total assets | 94.6400% | 180 |
| Equity capital to assets | 4.9643% | 4,371 |
| Core capital (leverage) ratio | 8.8511% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9165% | 1,137 |
| Memoranda: | ||
| Average total assets | $126,733,800 | 3,668 |
| Average earning assets | $119,805,800 | 3,626 |
| Average equity | $7,956,000 | 4,101 |
| Average total loans | $33,182,000 | 4,183 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2721% | 3,257 |
| Cost of funding earning assets | 0.2344% | 2,880 |
| Net interest margin | 3.0377% | 3,121 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.1691% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3155% | 1,305 |
| Return on assets (ROA) | 1.1819% | 1,734 |
| Pretax return on assets | 1.2640% | 2,161 |
| Return on Equity (ROE) | 17.8900% | 656 |
| Retained earnings to average equity (ytd only) | 11.1191% | 1,017 |
| Net charge-offs to loans | 0.0041% | 2,056 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,336.0000% | 97 |
| Efficiency ratio | 60.6712% | 3,030 |
| Assets per employee ($millions) | 5.4352% | 3,288 |
| Cash dividends to net income (ytd only)* | 37.8451% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 2,750 |
| Loan loss allowance to noncurrent loans | 300.7634% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 2,950 |
| Noncurrent loans to loans | 0.3854% | 1,853 |
| Net loans and leases to total assets | 25.7600% | 4,514 |
| Net loans and leases to deposits | 26.9921% | 4,551 |
| Net loans and leases to core deposits | 27.8073% | 4,543 |
| Total domestic deposits to total assets | 95.4300% | 175 |
| Equity capital to assets | 4.1374% | 4,464 |
| Core capital (leverage) ratio | 8.4623% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8167% | 1,217 |
| Memoranda: | ||
| Average total assets | $126,685,500 | 3,696 |
| Average earning assets | $120,042,500 | 3,643 |
| Average equity | $8,369,750 | 4,107 |
| Average total loans | $32,393,750 | 4,230 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0522% | 3,423 |
| Cost of funding earning assets | 0.2173% | 2,674 |
| Net interest margin | 2.8349% | 3,329 |
| Noninterest income to average assets | 0.7000% | 1,338 |
| Noninterest expense to average assets | 2.1589% | 2,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1449% | 1,615 |
| Return on assets (ROA) | 1.1464% | 1,594 |
| Pretax return on assets | 1.2262% | 1,978 |
| Return on Equity (ROE) | 15.3622% | 821 |
| Retained earnings to average equity (ytd only) | 11.6231% | 675 |
| Net charge-offs to loans | -0.0439% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8077% | 2,793 |
| Assets per employee ($millions) | 5.3937% | 3,339 |
| Cash dividends to net income (ytd only)* | 24.3394% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,550 |
| Loan loss allowance to noncurrent loans | 447.7778% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,276 |
| Noncurrent loans to loans | 0.2742% | 2,379 |
| Net loans and leases to total assets | 25.0479% | 4,579 |
| Net loans and leases to deposits | 26.5991% | 4,611 |
| Net loans and leases to core deposits | 27.6135% | 4,606 |
| Total domestic deposits to total assets | 94.1683% | 257 |
| Equity capital to assets | 5.4091% | 4,393 |
| Core capital (leverage) ratio | 8.5863% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7115% | 1,250 |
| Memoranda: | ||
| Average total assets | $125,432,667 | 3,750 |
| Average earning assets | $118,735,000 | 3,713 |
| Average equity | $9,360,667 | 4,065 |
| Average total loans | $31,860,667 | 4,287 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0058% | 3,240 |
| Cost of funding earning assets | 0.2125% | 2,631 |
| Net interest margin | 2.7933% | 3,165 |
| Noninterest income to average assets | 0.6806% | 1,385 |
| Noninterest expense to average assets | 2.1681% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0771% | 1,600 |
| Return on assets (ROA) | 1.0922% | 1,545 |
| Pretax return on assets | 1.1699% | 1,918 |
| Return on Equity (ROE) | 12.7894% | 1,090 |
| Retained earnings to average equity (ytd only) | 7.0968% | 1,859 |
| Net charge-offs to loans | -0.1402% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2683% | 2,862 |
| Assets per employee ($millions) | 5.1744% | 3,603 |
| Cash dividends to net income (ytd only)* | 44.5104% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 2,209 |
| Loan loss allowance to noncurrent loans | 221.8579% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 2,684 |
| Noncurrent loans to loans | 0.5997% | 1,562 |
| Net loans and leases to total assets | 24.2443% | 4,610 |
| Net loans and leases to deposits | 26.2498% | 4,634 |
| Net loans and leases to core deposits | 27.3158% | 4,631 |
| Total domestic deposits to total assets | 92.3598% | 446 |
| Equity capital to assets | 7.2279% | 4,088 |
| Core capital (leverage) ratio | 8.3067% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0802% | 1,239 |
| Memoranda: | ||
| Average total assets | $123,425,000 | 3,787 |
| Average earning assets | $116,708,500 | 3,761 |
| Average equity | $10,540,000 | 4,002 |
| Average total loans | $31,377,500 | 4,304 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 1,550 |
| Cost of funding earning assets | 0.2271% | 3,173 |
| Net interest margin | 3.6986% | 1,218 |
| Noninterest income to average assets | 0.6126% | 2,102 |
| Noninterest expense to average assets | 2.3724% | 2,577 |
| Loan and lease loss provision to assets | 0.0130% | 2,822 |
| Net operating income to assets | 1.6173% | 764 |
| Return on assets (ROA) | 1.8864% | 447 |
| Pretax return on assets | 2.0036% | 597 |
| Return on Equity (ROE) | 18.0844% | 457 |
| Retained earnings to average equity (ytd only) | 11.0137% | 699 |
| Net charge-offs to loans | -0.0061% | 3,598 |
| Credit loss provision to net charge-offs | -750.0000% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8257% | 3,475 |
| Assets per employee ($millions) | 4.9066% | 3,814 |
| Cash dividends to net income (ytd only)* | 39.0984% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,764 |
| Loan loss allowance to noncurrent loans | 201.5306% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 2,642 |
| Noncurrent loans to loans | 0.6079% | 1,622 |
| Net loans and leases to total assets | 25.9620% | 4,627 |
| Net loans and leases to deposits | 28.9378% | 4,647 |
| Net loans and leases to core deposits | 30.0928% | 4,641 |
| Total domestic deposits to total assets | 89.7166% | 1,103 |
| Equity capital to assets | 9.8676% | 2,784 |
| Core capital (leverage) ratio | 8.4822% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6986% | 1,340 |
| Memoranda: | ||
| Average total assets | $115,244,000 | 3,850 |
| Average earning assets | $108,744,600 | 3,824 |
| Average equity | $12,021,400 | 3,928 |
| Average total loans | $32,887,000 | 4,316 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 864 |
| Cost of funding earning assets | 0.2332% | 3,287 |
| Net interest margin | 4.1292% | 618 |
| Noninterest income to average assets | 0.5985% | 2,222 |
| Noninterest expense to average assets | 2.4423% | 2,298 |
| Loan and lease loss provision to assets | 0.0176% | 2,656 |
| Net operating income to assets | 1.9013% | 556 |
| Return on assets (ROA) | 2.2600% | 303 |
| Pretax return on assets | 2.4176% | 381 |
| Return on Equity (ROE) | 21.3537% | 340 |
| Retained earnings to average equity (ytd only) | 14.1321% | 498 |
| Net charge-offs to loans | -0.0081% | 3,590 |
| Credit loss provision to net charge-offs | -750.0000% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3717% | 3,752 |
| Assets per employee ($millions) | 4.9519% | 3,743 |
| Cash dividends to net income (ytd only)* | 33.8189% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 2,129 |
| Loan loss allowance to noncurrent loans | 316.0000% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,223 |
| Noncurrent loans to loans | 0.4350% | 2,253 |
| Net loans and leases to total assets | 23.8453% | 4,742 |
| Net loans and leases to deposits | 26.7468% | 4,756 |
| Net loans and leases to core deposits | 28.0085% | 4,757 |
| Total domestic deposits to total assets | 89.1523% | 1,198 |
| Equity capital to assets | 10.2991% | 2,612 |
| Core capital (leverage) ratio | 8.7896% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4125% | 1,826 |
| Memoranda: | ||
| Average total assets | $113,389,000 | 3,909 |
| Average earning assets | $106,910,750 | 3,883 |
| Average equity | $12,000,750 | 3,983 |
| Average total loans | $33,048,500 | 4,374 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0546% | 316 |
| Cost of funding earning assets | 0.2384% | 3,394 |
| Net interest margin | 4.8162% | 216 |
| Noninterest income to average assets | 0.5790% | 2,300 |
| Noninterest expense to average assets | 2.6172% | 1,815 |
| Loan and lease loss provision to assets | 0.0269% | 2,439 |
| Net operating income to assets | 2.3034% | 279 |
| Return on assets (ROA) | 2.8502% | 149 |
| Pretax return on assets | 3.0492% | 180 |
| Return on Equity (ROE) | 26.6756% | 155 |
| Retained earnings to average equity (ytd only) | 19.9648% | 159 |
| Net charge-offs to loans | -0.0058% | 3,478 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2640% | 4,116 |
| Assets per employee ($millions) | 4.8698% | 3,775 |
| Cash dividends to net income (ytd only)* | 25.1572% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 3,011 |
| Loan loss allowance to noncurrent loans | 1,036.8421% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 3,822 |
| Noncurrent loans to loans | 0.1145% | 3,619 |
| Net loans and leases to total assets | 28.0695% | 4,701 |
| Net loans and leases to deposits | 31.5810% | 4,732 |
| Net loans and leases to core deposits | 33.1016% | 4,727 |
| Total domestic deposits to total assets | 88.8812% | 1,340 |
| Equity capital to assets | 10.6046% | 2,307 |
| Core capital (leverage) ratio | 8.6696% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8705% | 2,415 |
| Memoranda: | ||
| Average total assets | $111,570,333 | 3,950 |
| Average earning assets | $104,855,000 | 3,923 |
| Average equity | $11,921,000 | 3,997 |
| Average total loans | $34,486,667 | 4,387 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 295 |
| Cost of funding earning assets | 0.2472% | 3,503 |
| Net interest margin | 4.8966% | 209 |
| Noninterest income to average assets | 0.6023% | 2,196 |
| Noninterest expense to average assets | 2.5377% | 2,065 |
| Loan and lease loss provision to assets | 0.0551% | 2,005 |
| Net operating income to assets | 2.4238% | 300 |
| Return on assets (ROA) | 2.4238% | 324 |
| Pretax return on assets | 2.5928% | 378 |
| Return on Equity (ROE) | 22.5940% | 358 |
| Retained earnings to average equity (ytd only) | 22.5940% | 190 |
| Net charge-offs to loans | 0.1025% | 675 |
| Credit loss provision to net charge-offs | 166.6667% | 949 |
| Earnings coverage of net charge-offs (x) | 80.1111% | 704 |
| Efficiency ratio | 48.9377% | 4,267 |
| Assets per employee ($millions) | 4.8323% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,638 |
| Loan loss allowance to noncurrent loans | 345.9459% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 2,796 |
| Noncurrent loans to loans | 0.3042% | 3,006 |
| Net loans and leases to total assets | 32.4852% | 4,615 |
| Net loans and leases to deposits | 36.5165% | 4,663 |
| Net loans and leases to core deposits | 38.3675% | 4,661 |
| Total domestic deposits to total assets | 88.9602% | 1,359 |
| Equity capital to assets | 10.5459% | 2,223 |
| Core capital (leverage) ratio | 8.9125% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6125% | 2,787 |
| Memoranda: | ||
| Average total assets | $108,918,500 | 3,981 |
| Average earning assets | $101,947,500 | 3,957 |
| Average equity | $11,684,500 | 4,034 |
| Average total loans | $35,130,000 | 4,398 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 2,896 |
| Cost of funding earning assets | 0.4088% | 3,526 |
| Net interest margin | 3.5353% | 2,354 |
| Noninterest income to average assets | 0.6817% | 1,921 |
| Noninterest expense to average assets | 2.6882% | 2,275 |
| Loan and lease loss provision to assets | 0.0407% | 3,891 |
| Net operating income to assets | 1.1509% | 1,721 |
| Return on assets (ROA) | 1.1345% | 1,909 |
| Pretax return on assets | 1.1996% | 2,324 |
| Return on Equity (ROE) | 10.9367% | 1,651 |
| Retained earnings to average equity (ytd only) | 8.9750% | 776 |
| Net charge-offs to loans | -0.0286% | 4,521 |
| Credit loss provision to net charge-offs | -400.0000% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1279% | 2,229 |
| Assets per employee ($millions) | 4.4456% | 3,974 |
| Cash dividends to net income (ytd only)* | 17.9372% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,370 |
| Loan loss allowance to noncurrent loans | 207.6923% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 2,592 |
| Noncurrent loans to loans | 0.5389% | 2,362 |
| Net loans and leases to total assets | 31.2979% | 4,725 |
| Net loans and leases to deposits | 35.3126% | 4,757 |
| Net loans and leases to core deposits | 37.6391% | 4,749 |
| Total domestic deposits to total assets | 88.6310% | 1,153 |
| Equity capital to assets | 10.9172% | 2,328 |
| Core capital (leverage) ratio | 8.6265% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4689% | 2,809 |
| Memoranda: | ||
| Average total assets | $98,281,600 | 4,021 |
| Average earning assets | $90,742,600 | 4,018 |
| Average equity | $10,195,000 | 4,174 |
| Average total loans | $34,928,400 | 4,407 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,670 |
| Cost of funding earning assets | 0.4421% | 3,572 |
| Net interest margin | 3.6570% | 2,080 |
| Noninterest income to average assets | 0.6890% | 1,834 |
| Noninterest expense to average assets | 2.7933% | 1,986 |
| Loan and lease loss provision to assets | 0.0551% | 3,662 |
| Net operating income to assets | 1.1327% | 1,868 |
| Return on assets (ROA) | 1.1160% | 2,048 |
| Pretax return on assets | 1.1936% | 2,410 |
| Return on Equity (ROE) | 10.9167% | 1,712 |
| Retained earnings to average equity (ytd only) | 8.2045% | 1,235 |
| Net charge-offs to loans | -0.0303% | 4,536 |
| Credit loss provision to net charge-offs | -500.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7948% | 2,069 |
| Assets per employee ($millions) | 4.2754% | 4,067 |
| Cash dividends to net income (ytd only)* | 24.8447% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,741 |
| Loan loss allowance to noncurrent loans | 218.6047% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 1,559 |
| Noncurrent loans to loans | 0.4533% | 2,691 |
| Net loans and leases to total assets | 36.6137% | 4,658 |
| Net loans and leases to deposits | 41.2751% | 4,711 |
| Net loans and leases to core deposits | 44.2207% | 4,704 |
| Total domestic deposits to total assets | 88.7066% | 894 |
| Equity capital to assets | 10.7876% | 2,557 |
| Core capital (leverage) ratio | 8.5167% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0606% | 2,906 |
| Memoranda: | ||
| Average total assets | $96,178,500 | 4,043 |
| Average earning assets | $88,668,000 | 4,045 |
| Average equity | $9,831,750 | 4,226 |
| Average total loans | $35,217,750 | 4,432 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 2,353 |
| Cost of funding earning assets | 0.4719% | 3,692 |
| Net interest margin | 3.8728% | 1,641 |
| Noninterest income to average assets | 0.6615% | 1,898 |
| Noninterest expense to average assets | 2.8883% | 1,860 |
| Loan and lease loss provision to assets | 0.0851% | 3,218 |
| Net operating income to assets | 1.1511% | 1,796 |
| Return on assets (ROA) | 1.1294% | 1,996 |
| Pretax return on assets | 1.2081% | 2,340 |
| Return on Equity (ROE) | 11.2747% | 1,551 |
| Retained earnings to average equity (ytd only) | 7.0281% | 1,655 |
| Net charge-offs to loans | -0.0291% | 4,529 |
| Credit loss provision to net charge-offs | -800.0000% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6899% | 2,145 |
| Assets per employee ($millions) | 3.9901% | 4,325 |
| Cash dividends to net income (ytd only)* | 37.6648% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,598 |
| Loan loss allowance to noncurrent loans | 376.7677% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 1,767 |
| Noncurrent loans to loans | 0.2643% | 3,436 |
| Net loans and leases to total assets | 37.1782% | 4,695 |
| Net loans and leases to deposits | 41.6940% | 4,755 |
| Net loans and leases to core deposits | 44.3146% | 4,746 |
| Total domestic deposits to total assets | 89.1691% | 679 |
| Equity capital to assets | 10.3767% | 2,860 |
| Core capital (leverage) ratio | 8.4930% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2071% | 1,728 |
| Memoranda: | ||
| Average total assets | $94,035,000 | 4,069 |
| Average earning assets | $86,036,667 | 4,078 |
| Average equity | $9,419,333 | 4,294 |
| Average total loans | $34,308,667 | 4,468 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 3,136 |
| Cost of funding earning assets | 0.5035% | 3,928 |
| Net interest margin | 3.7202% | 2,260 |
| Noninterest income to average assets | 0.7590% | 1,437 |
| Noninterest expense to average assets | 2.8034% | 2,423 |
| Loan and lease loss provision to assets | 0.0219% | 3,531 |
| Net operating income to assets | 1.1880% | 1,555 |
| Return on assets (ROA) | 1.1757% | 1,717 |
| Pretax return on assets | 1.2591% | 1,999 |
| Return on Equity (ROE) | 11.9730% | 1,112 |
| Retained earnings to average equity (ytd only) | 3.0379% | 3,070 |
| Net charge-offs to loans | -0.0367% | 4,537 |
| Credit loss provision to net charge-offs | -166.6667% | 3,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4154% | 2,599 |
| Assets per employee ($millions) | 3.8639% | 4,098 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,674 |
| Loan loss allowance to noncurrent loans | 254.5455% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 1,733 |
| Noncurrent loans to loans | 0.3952% | 3,067 |
| Net loans and leases to total assets | 35.6529% | 4,792 |
| Net loans and leases to deposits | 39.5767% | 4,842 |
| Net loans and leases to core deposits | 42.0625% | 4,841 |
| Total domestic deposits to total assets | 90.0855% | 294 |
| Equity capital to assets | 9.4961% | 4,221 |
| Core capital (leverage) ratio | 8.9793% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5920% | 2,443 |
| Memoranda: | ||
| Average total assets | $91,176,500 | 4,101 |
| Average earning assets | $81,824,000 | 4,142 |
| Average equity | $8,953,500 | 4,371 |
| Average total loans | $32,733,500 | 4,540 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 3,337 |
| Cost of funding earning assets | 0.4768% | 4,180 |
| Net interest margin | 3.8915% | 2,209 |
| Noninterest income to average assets | 0.7958% | 1,466 |
| Noninterest expense to average assets | 3.0405% | 1,908 |
| Loan and lease loss provision to assets | 0.0377% | 3,260 |
| Net operating income to assets | 1.1742% | 2,157 |
| Return on assets (ROA) | 1.6167% | 861 |
| Pretax return on assets | 1.7058% | 1,173 |
| Return on Equity (ROE) | 15.9166% | 548 |
| Retained earnings to average equity (ytd only) | 0.7419% | 4,476 |
| Net charge-offs to loans | 0.0577% | 2,276 |
| Credit loss provision to net charge-offs | 183.3333% | 1,439 |
| Earnings coverage of net charge-offs (x) | 62.1667% | 961 |
| Efficiency ratio | 70.4125% | 2,110 |
| Assets per employee ($millions) | 3.4469% | 4,528 |
| Cash dividends to net income (ytd only)* | 95.3390% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,364 |
| Loan loss allowance to noncurrent loans | 298.1818% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8123% | 1,596 |
| Noncurrent loans to loans | 0.3430% | 3,215 |
| Net loans and leases to total assets | 35.4173% | 4,857 |
| Net loans and leases to deposits | 39.6188% | 4,917 |
| Net loans and leases to core deposits | 41.8935% | 4,908 |
| Total domestic deposits to total assets | 89.3952% | 530 |
| Equity capital to assets | 10.1551% | 3,783 |
| Core capital (leverage) ratio | 9.1566% | 4,396 |
| Tier 1 risk-based capital ratio | 14.9002% | 2,823 |
| Total risk-based capital ratio | 15.5118% | 3,057 |
| Memoranda: | ||
| Average total assets | $87,585,600 | 4,174 |
| Average earning assets | $79,274,400 | 4,197 |
| Average equity | $8,896,400 | 4,391 |
| Average total loans | $31,170,600 | 4,616 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 3,450 |
| Cost of funding earning assets | 0.4611% | 4,299 |
| Net interest margin | 3.9094% | 2,218 |
| Noninterest income to average assets | 0.8100% | 1,389 |
| Noninterest expense to average assets | 3.0532% | 1,817 |
| Loan and lease loss provision to assets | 0.0352% | 3,190 |
| Net operating income to assets | 1.1983% | 2,194 |
| Return on assets (ROA) | 1.7808% | 672 |
| Pretax return on assets | 1.9048% | 857 |
| Return on Equity (ROE) | 17.5307% | 431 |
| Retained earnings to average equity (ytd only) | 0.9497% | 4,578 |
| Net charge-offs to loans | 0.0733% | 1,775 |
| Credit loss provision to net charge-offs | 135.2941% | 1,765 |
| Earnings coverage of net charge-offs (x) | 50.4618% | 1,181 |
| Efficiency ratio | 69.9158% | 2,127 |
| Assets per employee ($millions) | 3.2468% | 4,707 |
| Cash dividends to net income (ytd only)* | 94.5828% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,435 |
| Loan loss allowance to noncurrent loans | 229.4964% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 1,651 |
| Noncurrent loans to loans | 0.4463% | 2,970 |
| Net loans and leases to total assets | 35.1604% | 4,964 |
| Net loans and leases to deposits | 39.6509% | 5,005 |
| Net loans and leases to core deposits | 42.1724% | 4,993 |
| Total domestic deposits to total assets | 88.6749% | 757 |
| Equity capital to assets | 10.7433% | 3,341 |
| Core capital (leverage) ratio | 9.4782% | 4,188 |
| Tier 1 risk-based capital ratio | 14.0266% | 3,318 |
| Total risk-based capital ratio | 14.5867% | 3,559 |
| Memoranda: | ||
| Average total assets | $87,077,000 | 4,237 |
| Average earning assets | $79,225,500 | 4,252 |
| Average equity | $8,845,250 | 4,445 |
| Average total loans | $30,946,000 | 4,681 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 3,321 |
| Cost of funding earning assets | 0.4507% | 4,321 |
| Net interest margin | 3.9527% | 2,088 |
| Noninterest income to average assets | 0.8195% | 1,284 |
| Noninterest expense to average assets | 3.0340% | 1,906 |
| Loan and lease loss provision to assets | 0.0414% | 2,984 |
| Net operating income to assets | 1.2461% | 1,976 |
| Return on assets (ROA) | 2.1224% | 322 |
| Pretax return on assets | 2.2698% | 379 |
| Return on Equity (ROE) | 21.3073% | 192 |
| Retained earnings to average equity (ytd only) | 1.6639% | 4,223 |
| Net charge-offs to loans | 0.1166% | 1,266 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 33.2778% | 1,384 |
| Efficiency ratio | 68.7533% | 2,409 |
| Assets per employee ($millions) | 3.5460% | 4,443 |
| Cash dividends to net income (ytd only)* | 92.1909% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,477 |
| Loan loss allowance to noncurrent loans | 204.5752% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 1,599 |
| Noncurrent loans to loans | 0.5011% | 2,779 |
| Net loans and leases to total assets | 35.5064% | 4,992 |
| Net loans and leases to deposits | 39.9585% | 5,055 |
| Net loans and leases to core deposits | 40.7545% | 5,070 |
| Total domestic deposits to total assets | 88.8582% | 722 |
| Equity capital to assets | 10.6353% | 3,403 |
| Core capital (leverage) ratio | 9.2688% | 4,387 |
| Tier 1 risk-based capital ratio | 15.9696% | 2,429 |
| Total risk-based capital ratio | 16.5948% | 2,613 |
| Memoranda: | ||
| Average total assets | $86,881,330 | 4,269 |
| Average earning assets | $78,984,330 | 4,284 |
| Average equity | $8,654,330 | 4,491 |
| Average total loans | $30,880,670 | 4,717 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 3,434 |
| Cost of funding earning assets | 0.4554% | 4,264 |
| Net interest margin | 3.8831% | 2,242 |
| Noninterest income to average assets | 0.7975% | 1,299 |
| Noninterest expense to average assets | 2.6660% | 3,015 |
| Loan and lease loss provision to assets | 0.0228% | 3,141 |
| Net operating income to assets | 1.5368% | 1,039 |
| Return on assets (ROA) | 1.5495% | 1,036 |
| Pretax return on assets | 1.6589% | 1,315 |
| Return on Equity (ROE) | 16.0833% | 577 |
| Retained earnings to average equity (ytd only) | 1.8921% | 4,094 |
| Net charge-offs to loans | 0.0515% | 1,548 |
| Credit loss provision to net charge-offs | 125.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 707 |
| Efficiency ratio | 61.5142% | 3,605 |
| Assets per employee ($millions) | 3.5351% | 4,531 |
| Cash dividends to net income (ytd only)* | 88.2353% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,687 |
| Loan loss allowance to noncurrent loans | 280.3571% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 1,560 |
| Noncurrent loans to loans | 0.3578% | 3,297 |
| Net loans and leases to total assets | 35.0634% | 5,046 |
| Net loans and leases to deposits | 39.1352% | 5,090 |
| Net loans and leases to core deposits | 39.8780% | 5,111 |
| Total domestic deposits to total assets | 89.5957% | 600 |
| Equity capital to assets | 9.9087% | 3,912 |
| Core capital (leverage) ratio | 9.3926% | 4,263 |
| Tier 1 risk-based capital ratio | 15.7238% | 2,559 |
| Total risk-based capital ratio | 16.3290% | 2,768 |
| Memoranda: | ||
| Average total assets | $87,770,500 | 4,298 |
| Average earning assets | $79,936,500 | 4,305 |
| Average equity | $8,456,000 | 4,547 |
| Average total loans | $31,056,000 | 4,770 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 3,443 |
| Cost of funding earning assets | 0.4330% | 3,781 |
| Net interest margin | 3.7697% | 2,782 |
| Noninterest income to average assets | 0.8286% | 1,374 |
| Noninterest expense to average assets | 2.8195% | 2,623 |
| Loan and lease loss provision to assets | 0.0236% | 3,699 |
| Net operating income to assets | 1.3223% | 1,708 |
| Return on assets (ROA) | 1.3155% | 1,727 |
| Pretax return on assets | 1.3544% | 2,302 |
| Return on Equity (ROE) | 13.7290% | 1,121 |
| Retained earnings to average equity (ytd only) | 3.2723% | 3,770 |
| Net charge-offs to loans | 0.0578% | 2,312 |
| Credit loss provision to net charge-offs | 117.6471% | 2,209 |
| Earnings coverage of net charge-offs (x) | 69.1176% | 942 |
| Efficiency ratio | 67.0592% | 2,701 |
| Assets per employee ($millions) | 3.6308% | 4,411 |
| Cash dividends to net income (ytd only)* | 76.1649% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,585 |
| Loan loss allowance to noncurrent loans | 162.1762% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 1,295 |
| Noncurrent loans to loans | 0.6264% | 2,414 |
| Net loans and leases to total assets | 34.9985% | 5,098 |
| Net loans and leases to deposits | 38.8561% | 5,140 |
| Net loans and leases to core deposits | 39.5998% | 5,165 |
| Total domestic deposits to total assets | 90.0721% | 449 |
| Equity capital to assets | 9.3587% | 4,259 |
| Core capital (leverage) ratio | 9.6953% | 3,904 |
| Tier 1 risk-based capital ratio | 16.5469% | 2,226 |
| Total risk-based capital ratio | 17.2006% | 2,364 |
| Memoranda: | ||
| Average total assets | $84,837,000 | 4,344 |
| Average earning assets | $75,974,600 | 4,383 |
| Average equity | $8,128,800 | 4,589 |
| Average total loans | $29,437,200 | 4,829 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 3,392 |
| Cost of funding earning assets | 0.4276% | 3,679 |
| Net interest margin | 3.7498% | 2,828 |
| Noninterest income to average assets | 0.8070% | 1,449 |
| Noninterest expense to average assets | 2.7580% | 2,781 |
| Loan and lease loss provision to assets | 0.0079% | 3,817 |
| Net operating income to assets | 1.3079% | 1,823 |
| Return on assets (ROA) | 1.2975% | 1,874 |
| Pretax return on assets | 1.3877% | 2,274 |
| Return on Equity (ROE) | 13.4607% | 1,280 |
| Retained earnings to average equity (ytd only) | 6.0737% | 2,621 |
| Net charge-offs to loans | 0.0825% | 1,698 |
| Credit loss provision to net charge-offs | 27.7778% | 2,977 |
| Earnings coverage of net charge-offs (x) | 49.3875% | 1,182 |
| Efficiency ratio | 66.2234% | 2,826 |
| Assets per employee ($millions) | 3.3647% | 4,714 |
| Cash dividends to net income (ytd only)* | 54.8783% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,772 |
| Loan loss allowance to noncurrent loans | 167.7966% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 1,706 |
| Noncurrent loans to loans | 0.5956% | 2,598 |
| Net loans and leases to total assets | 34.9763% | 5,173 |
| Net loans and leases to deposits | 38.9156% | 5,231 |
| Net loans and leases to core deposits | 39.5295% | 5,246 |
| Total domestic deposits to total assets | 89.8772% | 549 |
| Equity capital to assets | 9.4190% | 4,167 |
| Core capital (leverage) ratio | 9.8915% | 3,751 |
| Tier 1 risk-based capital ratio | 16.9876% | 2,112 |
| Total risk-based capital ratio | 17.6161% | 2,258 |
| Memoranda: | ||
| Average total assets | $84,261,750 | 4,402 |
| Average earning assets | $75,451,000 | 4,438 |
| Average equity | $8,122,250 | 4,635 |
| Average total loans | $29,094,000 | 4,895 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 3,401 |
| Cost of funding earning assets | 0.4155% | 3,598 |
| Net interest margin | 3.6992% | 2,928 |
| Noninterest income to average assets | 0.8137% | 1,434 |
| Noninterest expense to average assets | 2.6592% | 3,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3562% | 1,581 |
| Return on assets (ROA) | 1.3450% | 1,624 |
| Pretax return on assets | 1.4376% | 2,027 |
| Return on Equity (ROE) | 13.8484% | 1,115 |
| Retained earnings to average equity (ytd only) | 8.9636% | 1,234 |
| Net charge-offs to loans | 0.1177% | 1,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 35.9412% | 1,371 |
| Efficiency ratio | 64.7229% | 3,208 |
| Assets per employee ($millions) | 3.2606% | 4,866 |
| Cash dividends to net income (ytd only)* | 35.2734% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,698 |
| Loan loss allowance to noncurrent loans | 194.0397% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 1,434 |
| Noncurrent loans to loans | 0.5274% | 2,838 |
| Net loans and leases to total assets | 34.7646% | 5,217 |
| Net loans and leases to deposits | 38.9285% | 5,274 |
| Net loans and leases to core deposits | 39.5655% | 5,292 |
| Total domestic deposits to total assets | 89.3037% | 814 |
| Equity capital to assets | 10.0645% | 3,564 |
| Core capital (leverage) ratio | 9.7496% | 3,841 |
| Tier 1 risk-based capital ratio | 18.0680% | 1,780 |
| Total risk-based capital ratio | 18.7278% | 1,899 |
| Memoranda: | ||
| Average total assets | $84,310,000 | 4,443 |
| Average earning assets | $75,096,670 | 4,486 |
| Average equity | $8,188,670 | 4,663 |
| Average total loans | $28,886,000 | 4,951 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 3,612 |
| Cost of funding earning assets | 0.3956% | 3,618 |
| Net interest margin | 3.6030% | 3,167 |
| Noninterest income to average assets | 0.8027% | 1,448 |
| Noninterest expense to average assets | 2.5342% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3611% | 1,448 |
| Return on assets (ROA) | 1.3394% | 1,527 |
| Pretax return on assets | 1.4328% | 1,891 |
| Return on Equity (ROE) | 14.0325% | 1,009 |
| Retained earnings to average equity (ytd only) | 4.2538% | 3,487 |
| Net charge-offs to loans | 0.2619% | 589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 16.4211% | 1,623 |
| Efficiency ratio | 63.5088% | 3,558 |
| Assets per employee ($millions) | 3.5162% | 4,650 |
| Cash dividends to net income (ytd only)* | 69.6864% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,889 |
| Loan loss allowance to noncurrent loans | 141.2621% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.0329% | 1,522 |
| Noncurrent loans to loans | 0.7152% | 2,424 |
| Net loans and leases to total assets | 32.4354% | 5,311 |
| Net loans and leases to deposits | 35.8718% | 5,362 |
| Net loans and leases to core deposits | 36.4077% | 5,389 |
| Total domestic deposits to total assets | 90.4202% | 495 |
| Equity capital to assets | 9.0326% | 4,525 |
| Core capital (leverage) ratio | 9.2630% | 4,364 |
| Tier 1 risk-based capital ratio | 17.4905% | 1,978 |
| Total risk-based capital ratio | 18.1475% | 2,096 |
| Memoranda: | ||
| Average total assets | $85,708,000 | 4,460 |
| Average earning assets | $75,826,500 | 4,528 |
| Average equity | $8,181,000 | 4,715 |
| Average total loans | $29,013,500 | 4,991 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 2,804 |
| Cost of funding earning assets | 0.3717% | 3,501 |
| Net interest margin | 3.7983% | 2,435 |
| Noninterest income to average assets | 0.9076% | 1,247 |
| Noninterest expense to average assets | 2.6855% | 3,176 |
| Loan and lease loss provision to assets | 0.0622% | 2,984 |
| Net operating income to assets | 1.4309% | 946 |
| Return on assets (ROA) | 1.3664% | 1,103 |
| Pretax return on assets | 1.5069% | 1,611 |
| Return on Equity (ROE) | 13.2183% | 901 |
| Retained earnings to average equity (ytd only) | 1.7921% | 4,243 |
| Net charge-offs to loans | 0.0926% | 2,156 |
| Credit loss provision to net charge-offs | 185.1852% | 1,467 |
| Earnings coverage of net charge-offs (x) | 48.8519% | 1,102 |
| Efficiency ratio | 62.0868% | 3,925 |
| Assets per employee ($millions) | 3.3405% | 4,896 |
| Cash dividends to net income (ytd only)* | 86.4422% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,556 |
| Loan loss allowance to noncurrent loans | 112.7273% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 1,328 |
| Noncurrent loans to loans | 0.9410% | 1,893 |
| Net loans and leases to total assets | 34.6226% | 5,326 |
| Net loans and leases to deposits | 38.7478% | 5,371 |
| Net loans and leases to core deposits | 39.1778% | 5,400 |
| Total domestic deposits to total assets | 89.3536% | 848 |
| Equity capital to assets | 10.0848% | 3,611 |
| Core capital (leverage) ratio | 9.8065% | 3,691 |
| Tier 1 risk-based capital ratio | 18.3204% | 1,707 |
| Total risk-based capital ratio | 19.0427% | 1,808 |
| Memoranda: | ||
| Average total assets | $80,431,200 | 4,585 |
| Average earning assets | $72,373,600 | 4,614 |
| Average equity | $8,314,200 | 4,732 |
| Average total loans | $29,142,200 | 5,045 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 2,795 |
| Cost of funding earning assets | 0.3642% | 3,511 |
| Net interest margin | 3.7848% | 2,461 |
| Noninterest income to average assets | 0.9456% | 1,153 |
| Noninterest expense to average assets | 2.7365% | 2,938 |
| Loan and lease loss provision to assets | 0.0586% | 2,912 |
| Net operating income to assets | 1.4739% | 949 |
| Return on assets (ROA) | 1.4427% | 1,020 |
| Pretax return on assets | 1.5432% | 1,608 |
| Return on Equity (ROE) | 13.8683% | 862 |
| Retained earnings to average equity (ytd only) | 3.4108% | 3,893 |
| Net charge-offs to loans | 0.1007% | 1,779 |
| Credit loss provision to net charge-offs | 159.0909% | 1,610 |
| Earnings coverage of net charge-offs (x) | 44.4129% | 1,209 |
| Efficiency ratio | 62.5957% | 3,796 |
| Assets per employee ($millions) | 3.2300% | 5,037 |
| Cash dividends to net income (ytd only)* | 75.4068% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 4,218 |
| Loan loss allowance to noncurrent loans | 118.6508% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.1356% | 1,452 |
| Noncurrent loans to loans | 0.8208% | 2,319 |
| Net loans and leases to total assets | 37.6515% | 5,282 |
| Net loans and leases to deposits | 42.4785% | 5,354 |
| Net loans and leases to core deposits | 42.9702% | 5,391 |
| Total domestic deposits to total assets | 88.6367% | 1,051 |
| Equity capital to assets | 10.7318% | 3,135 |
| Core capital (leverage) ratio | 9.9653% | 3,611 |
| Tier 1 risk-based capital ratio | 17.5098% | 2,007 |
| Total risk-based capital ratio | 18.1878% | 2,132 |
| Memoranda: | ||
| Average total assets | $79,661,000 | 4,642 |
| Average earning assets | $72,112,000 | 4,665 |
| Average equity | $8,287,250 | 4,784 |
| Average total loans | $29,121,750 | 5,101 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 2,980 |
| Cost of funding earning assets | 0.3554% | 3,526 |
| Net interest margin | 3.7035% | 2,647 |
| Noninterest income to average assets | 0.9105% | 1,244 |
| Noninterest expense to average assets | 2.7163% | 3,032 |
| Loan and lease loss provision to assets | 0.0378% | 3,257 |
| Net operating income to assets | 1.4232% | 1,011 |
| Return on assets (ROA) | 1.3947% | 1,107 |
| Pretax return on assets | 1.4906% | 1,687 |
| Return on Equity (ROE) | 13.5523% | 911 |
| Retained earnings to average equity (ytd only) | 3.7495% | 3,466 |
| Net charge-offs to loans | 0.0839% | 1,771 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 1,054 |
| Efficiency ratio | 63.5398% | 3,755 |
| Assets per employee ($millions) | 3.1177% | 5,173 |
| Cash dividends to net income (ytd only)* | 72.3327% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,440 |
| Loan loss allowance to noncurrent loans | 103.9568% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.3228% | 1,235 |
| Noncurrent loans to loans | 0.9090% | 2,154 |
| Net loans and leases to total assets | 38.8661% | 5,265 |
| Net loans and leases to deposits | 43.9513% | 5,346 |
| Net loans and leases to core deposits | 44.4798% | 5,388 |
| Total domestic deposits to total assets | 88.4299% | 1,240 |
| Equity capital to assets | 11.0480% | 2,752 |
| Core capital (leverage) ratio | 9.7839% | 3,797 |
| Tier 1 risk-based capital ratio | 17.8352% | 1,909 |
| Total risk-based capital ratio | 18.5079% | 2,028 |
| Memoranda: | ||
| Average total assets | $79,297,670 | 4,678 |
| Average earning assets | $72,040,670 | 4,697 |
| Average equity | $8,161,000 | 4,833 |
| Average total loans | $28,594,670 | 5,152 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,089 |
| Cost of funding earning assets | 0.3447% | 3,589 |
| Net interest margin | 3.6418% | 2,730 |
| Noninterest income to average assets | 0.8353% | 1,446 |
| Noninterest expense to average assets | 2.6208% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3948% | 1,011 |
| Return on assets (ROA) | 1.3854% | 1,059 |
| Pretax return on assets | 1.4805% | 1,601 |
| Return on Equity (ROE) | 13.9617% | 817 |
| Retained earnings to average equity (ytd only) | 3.8810% | 3,513 |
| Net charge-offs to loans | -0.0145% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7470% | 3,879 |
| Assets per employee ($millions) | 3.1212% | 5,251 |
| Cash dividends to net income (ytd only)* | 72.2022% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 4,007 |
| Loan loss allowance to noncurrent loans | 185.8065% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1637% | 1,516 |
| Noncurrent loans to loans | 0.5618% | 3,122 |
| Net loans and leases to total assets | 34.9870% | 5,442 |
| Net loans and leases to deposits | 39.2332% | 5,498 |
| Net loans and leases to core deposits | 39.6999% | 5,532 |
| Total domestic deposits to total assets | 89.1771% | 1,062 |
| Equity capital to assets | 10.3538% | 3,342 |
| Core capital (leverage) ratio | 9.6111% | 3,976 |
| Tier 1 risk-based capital ratio | 18.6964% | 1,693 |
| Total risk-based capital ratio | 19.4061% | 1,789 |
| Memoranda: | ||
| Average total assets | $79,975,500 | 4,712 |
| Average earning assets | $71,943,000 | 4,748 |
| Average equity | $7,936,000 | 4,913 |
| Average total loans | $27,601,000 | 5,228 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 2,644 |
| Cost of funding earning assets | 0.3465% | 3,554 |
| Net interest margin | 3.8080% | 2,293 |
| Noninterest income to average assets | 0.9767% | 1,206 |
| Noninterest expense to average assets | 2.8266% | 2,937 |
| Loan and lease loss provision to assets | 0.0906% | 2,549 |
| Net operating income to assets | 1.3728% | 1,060 |
| Return on assets (ROA) | 1.3467% | 1,161 |
| Pretax return on assets | 1.4023% | 1,932 |
| Return on Equity (ROE) | 12.1729% | 1,194 |
| Retained earnings to average equity (ytd only) | 1.6488% | 4,594 |
| Net charge-offs to loans | 0.1055% | 2,213 |
| Credit loss provision to net charge-offs | 259.2593% | 1,114 |
| Earnings coverage of net charge-offs (x) | 43.5185% | 1,108 |
| Efficiency ratio | 65.0298% | 3,755 |
| Assets per employee ($millions) | 3.2769% | 5,073 |
| Cash dividends to net income (ytd only)* | 86.4553% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 4,104 |
| Loan loss allowance to noncurrent loans | 191.9463% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 1.1389% | 1,626 |
| Noncurrent loans to loans | 0.5396% | 3,232 |
| Net loans and leases to total assets | 33.3586% | 5,566 |
| Net loans and leases to deposits | 37.0424% | 5,622 |
| Net loans and leases to core deposits | 37.5870% | 5,645 |
| Total domestic deposits to total assets | 90.0552% | 612 |
| Equity capital to assets | 9.5127% | 4,256 |
| Core capital (leverage) ratio | 9.6272% | 3,935 |
| Tier 1 risk-based capital ratio | 18.2778% | 1,782 |
| Total risk-based capital ratio | 18.9739% | 1,900 |
| Memoranda: | ||
| Average total assets | $77,300,600 | 4,786 |
| Average earning assets | $68,407,800 | 4,842 |
| Average equity | $8,551,800 | 4,832 |
| Average total loans | $25,600,800 | 5,327 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 2,604 |
| Cost of funding earning assets | 0.3502% | 3,535 |
| Net interest margin | 3.8211% | 2,259 |
| Noninterest income to average assets | 1.0191% | 1,108 |
| Noninterest expense to average assets | 2.8541% | 2,814 |
| Loan and lease loss provision to assets | 0.0700% | 2,813 |
| Net operating income to assets | 1.3810% | 1,101 |
| Return on assets (ROA) | 1.3448% | 1,258 |
| Pretax return on assets | 1.4376% | 1,923 |
| Return on Equity (ROE) | 11.7139% | 1,413 |
| Retained earnings to average equity (ytd only) | 1.0371% | 5,075 |
| Net charge-offs to loans | 0.1700% | 1,349 |
| Credit loss provision to net charge-offs | 125.0000% | 2,021 |
| Earnings coverage of net charge-offs (x) | 27.5908% | 1,563 |
| Efficiency ratio | 64.8627% | 3,784 |
| Assets per employee ($millions) | 3.1476% | 5,244 |
| Cash dividends to net income (ytd only)* | 91.1462% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 4,893 |
| Loan loss allowance to noncurrent loans | 162.1795% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.2543% | 1,561 |
| Noncurrent loans to loans | 0.5512% | 3,345 |
| Net loans and leases to total assets | 35.6437% | 5,565 |
| Net loans and leases to deposits | 40.4815% | 5,621 |
| Net loans and leases to core deposits | 41.1243% | 5,656 |
| Total domestic deposits to total assets | 88.0493% | 1,379 |
| Equity capital to assets | 11.3890% | 2,612 |
| Core capital (leverage) ratio | 9.7134% | 3,920 |
| Tier 1 risk-based capital ratio | 17.0495% | 2,208 |
| Total risk-based capital ratio | 17.6295% | 2,414 |
| Memoranda: | ||
| Average total assets | $76,145,250 | 4,843 |
| Average earning assets | $67,378,750 | 4,898 |
| Average equity | $8,741,500 | 4,848 |
| Average total loans | $25,097,500 | 5,401 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 2,540 |
| Cost of funding earning assets | 0.3491% | 3,580 |
| Net interest margin | 3.8406% | 2,169 |
| Noninterest income to average assets | 1.0412% | 1,031 |
| Noninterest expense to average assets | 2.9005% | 2,672 |
| Loan and lease loss provision to assets | 0.0266% | 3,598 |
| Net operating income to assets | 1.4050% | 1,052 |
| Return on assets (ROA) | 1.3334% | 1,284 |
| Pretax return on assets | 1.4264% | 1,926 |
| Return on Equity (ROE) | 11.5828% | 1,452 |
| Retained earnings to average equity (ytd only) | 1.1998% | 4,900 |
| Net charge-offs to loans | 0.2747% | 870 |
| Credit loss provision to net charge-offs | 30.3030% | 2,857 |
| Earnings coverage of net charge-offs (x) | 17.4545% | 1,874 |
| Efficiency ratio | 65.4676% | 3,761 |
| Assets per employee ($millions) | 3.0352% | 5,385 |
| Cash dividends to net income (ytd only)* | 89.6414% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 5,191 |
| Loan loss allowance to noncurrent loans | 170.0000% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 1.2665% | 1,610 |
| Noncurrent loans to loans | 0.4885% | 3,622 |
| Net loans and leases to total assets | 34.7821% | 5,655 |
| Net loans and leases to deposits | 39.8439% | 5,700 |
| Net loans and leases to core deposits | 40.3415% | 5,731 |
| Total domestic deposits to total assets | 87.2959% | 1,757 |
| Equity capital to assets | 12.1677% | 2,000 |
| Core capital (leverage) ratio | 9.9523% | 3,621 |
| Tier 1 risk-based capital ratio | 18.8546% | 1,726 |
| Total risk-based capital ratio | 19.4161% | 1,852 |
| Memoranda: | ||
| Average total assets | $75,297,000 | 4,903 |
| Average earning assets | $66,448,000 | 4,969 |
| Average equity | $8,668,000 | 4,896 |
| Average total loans | $24,029,670 | 5,501 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 2,456 |
| Cost of funding earning assets | 0.3528% | 3,572 |
| Net interest margin | 3.8506% | 2,102 |
| Noninterest income to average assets | 1.0293% | 1,015 |
| Noninterest expense to average assets | 2.9811% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3295% | 1,187 |
| Return on assets (ROA) | 1.2799% | 1,400 |
| Pretax return on assets | 1.3706% | 2,002 |
| Return on Equity (ROE) | 11.4483% | 1,467 |
| Retained earnings to average equity (ytd only) | 1.9081% | 4,496 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6755% | 3,518 |
| Assets per employee ($millions) | 3.0169% | 5,493 |
| Cash dividends to net income (ytd only)* | 83.3333% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 4,014 |
| Loan loss allowance to noncurrent loans | 153.1250% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 1,629 |
| Noncurrent loans to loans | 0.7226% | 3,032 |
| Net loans and leases to total assets | 29.0340% | 5,847 |
| Net loans and leases to deposits | 32.8695% | 5,888 |
| Net loans and leases to core deposits | 33.2710% | 5,905 |
| Total domestic deposits to total assets | 88.3310% | 1,445 |
| Equity capital to assets | 11.1996% | 2,727 |
| Core capital (leverage) ratio | 9.9678% | 3,576 |
| Tier 1 risk-based capital ratio | 20.7518% | 1,354 |
| Total risk-based capital ratio | 21.4380% | 1,437 |
| Memoranda: | ||
| Average total assets | $75,005,000 | 4,959 |
| Average earning assets | $65,756,000 | 5,028 |
| Average equity | $8,385,500 | 4,981 |
| Average total loans | $22,737,500 | 5,596 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2342% | 2,443 |
| Cost of funding earning assets | 0.3604% | 3,577 |
| Net interest margin | 3.8738% | 2,118 |
| Noninterest income to average assets | 1.0370% | 1,099 |
| Noninterest expense to average assets | 3.0815% | 2,295 |
| Loan and lease loss provision to assets | 0.0561% | 3,186 |
| Net operating income to assets | 1.3375% | 1,184 |
| Return on assets (ROA) | 1.2770% | 1,374 |
| Pretax return on assets | 1.3064% | 2,253 |
| Return on Equity (ROE) | 10.9055% | 1,646 |
| Retained earnings to average equity (ytd only) | 0.7190% | 5,228 |
| Net charge-offs to loans | 0.5018% | 525 |
| Credit loss provision to net charge-offs | 35.7143% | 3,582 |
| Earnings coverage of net charge-offs (x) | 9.0625% | 2,873 |
| Efficiency ratio | 68.3899% | 3,490 |
| Assets per employee ($millions) | 2.9835% | 5,532 |
| Cash dividends to net income (ytd only)* | 93.4066% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 4,315 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 1,500 |
| Noncurrent loans to loans | 1.0501% | 2,234 |
| Net loans and leases to total assets | 30.9527% | 5,865 |
| Net loans and leases to deposits | 35.0036% | 5,908 |
| Net loans and leases to core deposits | 35.4421% | 5,933 |
| Total domestic deposits to total assets | 88.4271% | 1,417 |
| Equity capital to assets | 11.1600% | 2,668 |
| Core capital (leverage) ratio | 10.3000% | 3,155 |
| Tier 1 risk-based capital ratio | 20.0883% | 1,469 |
| Total risk-based capital ratio | 20.7557% | 1,553 |
| Memoranda: | ||
| Average total assets | $71,263,400 | 5,062 |
| Average earning assets | $63,813,800 | 5,090 |
| Average equity | $8,344,400 | 4,996 |
| Average total loans | $22,320,200 | 5,642 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 2,624 |
| Cost of funding earning assets | 0.3615% | 3,639 |
| Net interest margin | 3.8241% | 2,293 |
| Noninterest income to average assets | 1.0431% | 1,098 |
| Noninterest expense to average assets | 3.0875% | 2,255 |
| Loan and lease loss provision to assets | 0.0189% | 3,895 |
| Net operating income to assets | 1.3094% | 1,317 |
| Return on assets (ROA) | 1.2513% | 1,533 |
| Pretax return on assets | 1.3384% | 2,252 |
| Return on Equity (ROE) | 10.5552% | 1,880 |
| Retained earnings to average equity (ytd only) | 5.7647% | 2,394 |
| Net charge-offs to loans | 0.6284% | 354 |
| Credit loss provision to net charge-offs | 9.6154% | 3,454 |
| Earnings coverage of net charge-offs (x) | 7.2117% | 2,944 |
| Efficiency ratio | 68.5006% | 3,452 |
| Assets per employee ($millions) | 2.9279% | 5,622 |
| Cash dividends to net income (ytd only)* | 45.3858% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 5,115 |
| Loan loss allowance to noncurrent loans | 41.1111% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.3470% | 1,732 |
| Noncurrent loans to loans | 2.2417% | 969 |
| Net loans and leases to total assets | 32.6065% | 5,904 |
| Net loans and leases to deposits | 37.1477% | 5,949 |
| Net loans and leases to core deposits | 37.6255% | 5,981 |
| Total domestic deposits to total assets | 87.7755% | 1,668 |
| Equity capital to assets | 11.6630% | 2,372 |
| Core capital (leverage) ratio | 10.8657% | 2,624 |
| Tier 1 risk-based capital ratio | 20.2776% | 1,483 |
| Total risk-based capital ratio | 20.8644% | 1,613 |
| Memoranda: | ||
| Average total assets | $70,432,250 | 5,145 |
| Average earning assets | $63,803,500 | 5,153 |
| Average equity | $8,349,500 | 5,052 |
| Average total loans | $22,067,250 | 5,716 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 2,722 |
| Cost of funding earning assets | 0.3706% | 3,593 |
| Net interest margin | 3.7788% | 2,409 |
| Noninterest income to average assets | 0.9754% | 1,233 |
| Noninterest expense to average assets | 3.1132% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2095% | 1,566 |
| Return on assets (ROA) | 1.1854% | 1,715 |
| Pretax return on assets | 1.2689% | 2,474 |
| Return on Equity (ROE) | 9.9433% | 2,095 |
| Retained earnings to average equity (ytd only) | 6.3232% | 2,050 |
| Net charge-offs to loans | -0.0280% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6266% | 3,238 |
| Assets per employee ($millions) | 2.7988% | 5,812 |
| Cash dividends to net income (ytd only)* | 36.4078% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 2,680 |
| Loan loss allowance to noncurrent loans | 48.0422% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 1,524 |
| Noncurrent loans to loans | 2.9481% | 680 |
| Net loans and leases to total assets | 31.7331% | 5,990 |
| Net loans and leases to deposits | 36.1193% | 6,034 |
| Net loans and leases to core deposits | 36.6046% | 6,053 |
| Total domestic deposits to total assets | 87.8564% | 1,723 |
| Equity capital to assets | 11.6177% | 2,319 |
| Core capital (leverage) ratio | 10.7740% | 2,651 |
| Tier 1 risk-based capital ratio | 21.5856% | 1,270 |
| Total risk-based capital ratio | 22.4949% | 1,294 |
| Memoranda: | ||
| Average total assets | $69,510,670 | 5,227 |
| Average earning assets | $63,142,330 | 5,221 |
| Average equity | $8,287,000 | 5,106 |
| Average total loans | $21,393,330 | 5,792 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 2,857 |
| Cost of funding earning assets | 0.3704% | 3,644 |
| Net interest margin | 3.7234% | 2,539 |
| Noninterest income to average assets | 0.8891% | 1,425 |
| Noninterest expense to average assets | 3.1524% | 2,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0321% | 2,115 |
| Return on assets (ROA) | 1.0104% | 2,353 |
| Pretax return on assets | 1.0797% | 3,167 |
| Return on Equity (ROE) | 8.3672% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.3672% | 1,428 |
| Net charge-offs to loans | -0.0384% | 5,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0841% | 2,804 |
| Assets per employee ($millions) | 2.7049% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 2,350 |
| Loan loss allowance to noncurrent loans | 46.8336% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 1.5996% | 1,605 |
| Noncurrent loans to loans | 3.2555% | 630 |
| Net loans and leases to total assets | 29.2046% | 6,104 |
| Net loans and leases to deposits | 33.3788% | 6,131 |
| Net loans and leases to core deposits | 33.9707% | 6,140 |
| Total domestic deposits to total assets | 87.4943% | 2,109 |
| Equity capital to assets | 12.0706% | 1,977 |
| Core capital (leverage) ratio | 10.5095% | 2,948 |
| Tier 1 risk-based capital ratio | 21.8600% | 1,264 |
| Total risk-based capital ratio | 22.7889% | 1,287 |
| Memoranda: | ||
| Average total assets | $69,280,500 | 5,274 |
| Average earning assets | $62,630,500 | 5,289 |
| Average equity | $8,366,000 | 5,123 |
| Average total loans | $20,828,500 | 5,860 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 3,069 |
| Cost of funding earning assets | 0.4101% | 3,586 |
| Net interest margin | 3.7533% | 2,802 |
| Noninterest income to average assets | 0.9553% | 1,335 |
| Noninterest expense to average assets | 3.1305% | 2,420 |
| Loan and lease loss provision to assets | 0.0396% | 3,782 |
| Net operating income to assets | 1.1081% | 1,948 |
| Return on assets (ROA) | 1.0657% | 2,164 |
| Pretax return on assets | 1.0586% | 3,261 |
| Return on Equity (ROE) | 9.1744% | 2,502 |
| Retained earnings to average equity (ytd only) | -0.5726% | 5,861 |
| Net charge-offs to loans | 0.0304% | 4,216 |
| Credit loss provision to net charge-offs | 400.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 115.1429% | 459 |
| Efficiency ratio | 72.6972% | 3,089 |
| Assets per employee ($millions) | 2.6243% | 6,085 |
| Cash dividends to net income (ytd only)* | 106.2417% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 2,386 |
| Loan loss allowance to noncurrent loans | 40.6692% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 1.7924% | 1,461 |
| Noncurrent loans to loans | 3.7356% | 528 |
| Net loans and leases to total assets | 30.0207% | 6,180 |
| Net loans and leases to deposits | 34.2960% | 6,215 |
| Net loans and leases to core deposits | 34.9229% | 6,222 |
| Total domestic deposits to total assets | 87.5339% | 2,014 |
| Equity capital to assets | 12.0807% | 1,956 |
| Core capital (leverage) ratio | 10.5541% | 2,891 |
| Tier 1 risk-based capital ratio | 22.5256% | 1,146 |
| Total risk-based capital ratio | 23.4993% | 1,165 |
| Memoranda: | ||
| Average total assets | $70,660,600 | 5,265 |
| Average earning assets | $62,424,600 | 5,327 |
| Average equity | $8,207,600 | 5,150 |
| Average total loans | $22,992,000 | 5,853 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 3,057 |
| Cost of funding earning assets | 0.4212% | 3,563 |
| Net interest margin | 3.7610% | 2,771 |
| Noninterest income to average assets | 0.9766% | 1,291 |
| Noninterest expense to average assets | 3.0663% | 2,576 |
| Loan and lease loss provision to assets | 0.0524% | 3,329 |
| Net operating income to assets | 1.0922% | 2,063 |
| Return on assets (ROA) | 0.9990% | 2,518 |
| Pretax return on assets | 1.0664% | 3,313 |
| Return on Equity (ROE) | 8.6840% | 2,855 |
| Retained earnings to average equity (ytd only) | 2.1791% | 4,969 |
| Net charge-offs to loans | -0.0623% | 5,995 |
| Credit loss provision to net charge-offs | -254.5455% | 5,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5721% | 3,255 |
| Assets per employee ($millions) | 2.7176% | 6,067 |
| Cash dividends to net income (ytd only)* | 74.9066% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 2,164 |
| Loan loss allowance to noncurrent loans | 40.5832% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 1.9929% | 1,446 |
| Noncurrent loans to loans | 4.0432% | 517 |
| Net loans and leases to total assets | 29.4682% | 6,271 |
| Net loans and leases to deposits | 33.8398% | 6,302 |
| Net loans and leases to core deposits | 34.4637% | 6,307 |
| Total domestic deposits to total assets | 87.0814% | 2,273 |
| Equity capital to assets | 12.4520% | 1,735 |
| Core capital (leverage) ratio | 10.5628% | 2,964 |
| Tier 1 risk-based capital ratio | 23.8385% | 1,008 |
| Total risk-based capital ratio | 24.9045% | 1,011 |
| Memoranda: | ||
| Average total assets | $71,267,500 | 5,306 |
| Average earning assets | $62,677,000 | 5,383 |
| Average equity | $8,198,750 | 5,192 |
| Average total loans | $23,540,000 | 5,898 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 2,322 |
| Cost of funding earning assets | 0.4363% | 3,479 |
| Net interest margin | 3.9263% | 2,060 |
| Noninterest income to average assets | 0.8179% | 1,774 |
| Noninterest expense to average assets | 2.9485% | 3,010 |
| Loan and lease loss provision to assets | 0.0774% | 2,731 |
| Net operating income to assets | 0.9849% | 2,385 |
| Return on assets (ROA) | 1.0528% | 2,184 |
| Pretax return on assets | 1.2822% | 2,328 |
| Return on Equity (ROE) | 9.3939% | 2,421 |
| Retained earnings to average equity (ytd only) | 1.9971% | 4,882 |
| Net charge-offs to loans | -0.0732% | 6,035 |
| Credit loss provision to net charge-offs | -311.1111% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7842% | 3,693 |
| Assets per employee ($millions) | 2.8830% | 5,907 |
| Cash dividends to net income (ytd only)* | 78.7402% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 3,380 |
| Loan loss allowance to noncurrent loans | 49.5522% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.0825% | 1,507 |
| Noncurrent loans to loans | 2.8150% | 1,068 |
| Net loans and leases to total assets | 32.5615% | 6,222 |
| Net loans and leases to deposits | 36.9893% | 6,266 |
| Net loans and leases to core deposits | 37.4737% | 6,292 |
| Total domestic deposits to total assets | 88.0293% | 1,883 |
| Equity capital to assets | 11.5656% | 2,360 |
| Core capital (leverage) ratio | 9.5603% | 4,239 |
| Tier 1 risk-based capital ratio | 18.1083% | 2,202 |
| Total risk-based capital ratio | 18.9914% | 2,303 |
| Memoranda: | ||
| Average total assets | $72,376,330 | 5,326 |
| Average earning assets | $62,808,000 | 5,429 |
| Average equity | $8,111,670 | 5,242 |
| Average total loans | $24,601,670 | 5,904 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 2,026 |
| Cost of funding earning assets | 0.4687% | 3,239 |
| Net interest margin | 3.9615% | 1,883 |
| Noninterest income to average assets | 0.9927% | 1,146 |
| Noninterest expense to average assets | 2.8514% | 3,374 |
| Loan and lease loss provision to assets | 0.0993% | 2,272 |
| Net operating income to assets | 1.3533% | 1,092 |
| Return on assets (ROA) | 1.2133% | 1,507 |
| Pretax return on assets | 1.2961% | 2,109 |
| Return on Equity (ROE) | 11.0007% | 1,680 |
| Retained earnings to average equity (ytd only) | 6.0004% | 2,545 |
| Net charge-offs to loans | -0.0960% | 6,101 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8683% | 4,716 |
| Assets per employee ($millions) | 2.9433% | 5,923 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 4,248 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 2,664 |
| Noncurrent loans to loans | 0.5799% | 4,422 |
| Net loans and leases to total assets | 33.5485% | 6,200 |
| Net loans and leases to deposits | 37.9027% | 6,254 |
| Net loans and leases to core deposits | 39.0181% | 6,274 |
| Total domestic deposits to total assets | 88.5123% | 1,928 |
| Equity capital to assets | 11.1670% | 2,561 |
| Core capital (leverage) ratio | 10.3810% | 3,076 |
| Tier 1 risk-based capital ratio | 20.6776% | 1,540 |
| Total risk-based capital ratio | 21.5600% | 1,611 |
| Memoranda: | ||
| Average total assets | $72,526,500 | 5,378 |
| Average earning assets | $62,299,000 | 5,492 |
| Average equity | $7,999,500 | 5,290 |
| Average total loans | $25,002,000 | 5,936 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 3,318 |
| Cost of funding earning assets | 0.5198% | 3,398 |
| Net interest margin | 3.6890% | 3,102 |
| Noninterest income to average assets | 1.1664% | 1,033 |
| Noninterest expense to average assets | 3.0483% | 2,904 |
| Loan and lease loss provision to assets | 0.0626% | 3,882 |
| Net operating income to assets | 1.3601% | 1,111 |
| Return on assets (ROA) | 1.1365% | 1,873 |
| Pretax return on assets | 1.1764% | 2,666 |
| Return on Equity (ROE) | 10.1029% | 2,072 |
| Retained earnings to average equity (ytd only) | -3.1738% | 6,279 |
| Net charge-offs to loans | 0.1426% | 3,375 |
| Credit loss provision to net charge-offs | 118.9189% | 2,013 |
| Earnings coverage of net charge-offs (x) | 27.9189% | 1,252 |
| Efficiency ratio | 67.4748% | 4,293 |
| Assets per employee ($millions) | 2.8588% | 6,027 |
| Cash dividends to net income (ytd only)* | 131.4143% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 4,755 |
| Loan loss allowance to noncurrent loans | 221.8045% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 1.3488% | 2,728 |
| Noncurrent loans to loans | 0.5320% | 4,661 |
| Net loans and leases to total assets | 34.5656% | 6,264 |
| Net loans and leases to deposits | 38.9383% | 6,340 |
| Net loans and leases to core deposits | 40.1150% | 6,360 |
| Total domestic deposits to total assets | 88.7701% | 1,767 |
| Equity capital to assets | 10.8885% | 2,717 |
| Core capital (leverage) ratio | 10.8225% | 2,552 |
| Tier 1 risk-based capital ratio | 20.7637% | 1,472 |
| Total risk-based capital ratio | 21.5963% | 1,543 |
| Memoranda: | ||
| Average total assets | $70,301,000 | 5,471 |
| Average earning assets | $63,866,200 | 5,474 |
| Average equity | $7,908,600 | 5,363 |
| Average total loans | $25,947,200 | 5,937 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 3,649 |
| Cost of funding earning assets | 0.5349% | 3,420 |
| Net interest margin | 3.5938% | 3,470 |
| Noninterest income to average assets | 1.1636% | 1,082 |
| Noninterest expense to average assets | 3.0453% | 2,837 |
| Loan and lease loss provision to assets | 0.0267% | 4,476 |
| Net operating income to assets | 1.3163% | 1,308 |
| Return on assets (ROA) | 1.0817% | 2,159 |
| Pretax return on assets | 1.1560% | 2,867 |
| Return on Equity (ROE) | 9.5376% | 2,381 |
| Retained earnings to average equity (ytd only) | -6.4144% | 6,552 |
| Net charge-offs to loans | -0.0306% | 6,171 |
| Credit loss provision to net charge-offs | -233.3333% | 5,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0136% | 4,101 |
| Assets per employee ($millions) | 2.5093% | 6,468 |
| Cash dividends to net income (ytd only)* | 167.2552% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 4,937 |
| Loan loss allowance to noncurrent loans | 57.7861% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 1.5603% | 2,592 |
| Noncurrent loans to loans | 2.0501% | 2,194 |
| Net loans and leases to total assets | 39.3780% | 6,078 |
| Net loans and leases to deposits | 44.7080% | 6,174 |
| Net loans and leases to core deposits | 46.2035% | 6,202 |
| Total domestic deposits to total assets | 88.0782% | 2,078 |
| Equity capital to assets | 11.4926% | 2,310 |
| Core capital (leverage) ratio | 10.4824% | 3,022 |
| Tier 1 risk-based capital ratio | 20.8809% | 1,515 |
| Total risk-based capital ratio | 21.7710% | 1,571 |
| Memoranda: | ||
| Average total assets | $70,008,750 | 5,530 |
| Average earning assets | $64,554,750 | 5,506 |
| Average equity | $7,940,250 | 5,407 |
| Average total loans | $26,184,250 | 5,987 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 4,134 |
| Cost of funding earning assets | 0.5508% | 3,404 |
| Net interest margin | 3.4439% | 4,025 |
| Noninterest income to average assets | 1.2822% | 938 |
| Noninterest expense to average assets | 3.0755% | 2,741 |
| Loan and lease loss provision to assets | 0.0391% | 4,168 |
| Net operating income to assets | 1.2572% | 1,440 |
| Return on assets (ROA) | 1.1118% | 2,004 |
| Pretax return on assets | 1.1900% | 2,718 |
| Return on Equity (ROE) | 9.8421% | 2,260 |
| Retained earnings to average equity (ytd only) | -9.9411% | 6,666 |
| Net charge-offs to loans | -0.0152% | 5,879 |
| Credit loss provision to net charge-offs | -700.0000% | 5,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9418% | 4,020 |
| Assets per employee ($millions) | 2.7510% | 6,221 |
| Cash dividends to net income (ytd only)* | 201.0050% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,218 |
| Loan loss allowance to noncurrent loans | 56.7164% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4834% | 2,880 |
| Noncurrent loans to loans | 2.0347% | 2,362 |
| Net loans and leases to total assets | 36.4044% | 6,275 |
| Net loans and leases to deposits | 41.0917% | 6,364 |
| Net loans and leases to core deposits | 42.3343% | 6,393 |
| Total domestic deposits to total assets | 88.5931% | 1,856 |
| Equity capital to assets | 11.0783% | 2,680 |
| Core capital (leverage) ratio | 10.1906% | 3,248 |
| Tier 1 risk-based capital ratio | 20.2376% | 1,671 |
| Total risk-based capital ratio | 21.0914% | 1,730 |
| Memoranda: | ||
| Average total assets | $71,597,670 | 5,520 |
| Average earning assets | $66,087,670 | 5,493 |
| Average equity | $8,087,670 | 5,412 |
| Average total loans | $26,246,000 | 6,013 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 4,083 |
| Cost of funding earning assets | 0.5606% | 3,469 |
| Net interest margin | 3.4479% | 3,920 |
| Noninterest income to average assets | 0.9046% | 1,747 |
| Noninterest expense to average assets | 2.9204% | 3,269 |
| Loan and lease loss provision to assets | 0.0782% | 3,333 |
| Net operating income to assets | 1.0305% | 2,107 |
| Return on assets (ROA) | 0.8153% | 3,217 |
| Pretax return on assets | 0.8711% | 3,868 |
| Return on Equity (ROE) | 7.1485% | 3,412 |
| Retained earnings to average equity (ytd only) | -27.1253% | 6,885 |
| Net charge-offs to loans | -0.0763% | 6,322 |
| Credit loss provision to net charge-offs | -280.0000% | 5,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2534% | 3,756 |
| Assets per employee ($millions) | 2.6970% | 6,406 |
| Cash dividends to net income (ytd only)* | 479.4521% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,348 |
| Loan loss allowance to noncurrent loans | 49.5961% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 1.9566% | 2,399 |
| Noncurrent loans to loans | 2.3489% | 2,219 |
| Net loans and leases to total assets | 37.1438% | 6,212 |
| Net loans and leases to deposits | 42.0165% | 6,318 |
| Net loans and leases to core deposits | 43.3154% | 6,349 |
| Total domestic deposits to total assets | 88.4031% | 2,065 |
| Equity capital to assets | 11.3131% | 2,620 |
| Core capital (leverage) ratio | 9.9481% | 3,458 |
| Tier 1 risk-based capital ratio | 20.0199% | 1,762 |
| Total risk-based capital ratio | 20.8912% | 1,844 |
| Memoranda: | ||
| Average total assets | $71,633,000 | 5,576 |
| Average earning assets | $66,359,500 | 5,535 |
| Average equity | $8,169,500 | 5,441 |
| Average total loans | $26,197,500 | 6,061 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 1,945 |
| Cost of funding earning assets | 0.7238% | 3,299 |
| Net interest margin | 4.1471% | 1,832 |
| Noninterest income to average assets | 1.4671% | 725 |
| Noninterest expense to average assets | 3.4695% | 1,901 |
| Loan and lease loss provision to assets | 0.4862% | 1,255 |
| Net operating income to assets | 1.1762% | 1,676 |
| Return on assets (ROA) | 1.0531% | 2,305 |
| Pretax return on assets | 1.0877% | 3,207 |
| Return on Equity (ROE) | 9.8718% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.8718% | 617 |
| Net charge-offs to loans | 1.2965% | 749 |
| Credit loss provision to net charge-offs | 100.5970% | 3,015 |
| Earnings coverage of net charge-offs (x) | 3.5194% | 3,698 |
| Efficiency ratio | 67.1038% | 4,310 |
| Assets per employee ($millions) | 2.8132% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 5,530 |
| Loan loss allowance to noncurrent loans | 43.3083% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 1.9386% | 2,525 |
| Noncurrent loans to loans | 2.5536% | 2,072 |
| Net loans and leases to total assets | 35.2100% | 6,483 |
| Net loans and leases to deposits | 39.9039% | 6,557 |
| Net loans and leases to core deposits | 41.0868% | 6,574 |
| Total domestic deposits to total assets | 88.2369% | 2,074 |
| Equity capital to assets | 11.4924% | 2,456 |
| Core capital (leverage) ratio | 11.2299% | 2,067 |
| Tier 1 risk-based capital ratio | 21.8347% | 1,295 |
| Total risk-based capital ratio | 22.6614% | 1,353 |
| Memoranda: | ||
| Average total assets | $69,319,200 | 5,646 |
| Average earning assets | $61,899,200 | 5,676 |
| Average equity | $7,394,800 | 5,665 |
| Average total loans | $25,838,200 | 6,147 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0822% | 1,469 |
| Cost of funding earning assets | 0.7775% | 3,136 |
| Net interest margin | 4.3047% | 1,446 |
| Noninterest income to average assets | 1.6851% | 545 |
| Noninterest expense to average assets | 3.5886% | 1,575 |
| Loan and lease loss provision to assets | 0.6104% | 891 |
| Net operating income to assets | 1.2251% | 1,653 |
| Return on assets (ROA) | 1.1078% | 2,248 |
| Pretax return on assets | 1.1838% | 3,046 |
| Return on Equity (ROE) | 10.6036% | 2,097 |
| Retained earnings to average equity (ytd only) | 10.6036% | 761 |
| Net charge-offs to loans | 1.5615% | 542 |
| Credit loss provision to net charge-offs | 103.6424% | 2,842 |
| Earnings coverage of net charge-offs (x) | 3.2583% | 3,724 |
| Efficiency ratio | 65.1558% | 4,598 |
| Assets per employee ($millions) | 2.6294% | 6,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 5,766 |
| Loan loss allowance to noncurrent loans | 36.0000% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 2.0888% | 2,546 |
| Noncurrent loans to loans | 3.0252% | 1,839 |
| Net loans and leases to total assets | 39.4564% | 6,323 |
| Net loans and leases to deposits | 44.7538% | 6,468 |
| Net loans and leases to core deposits | 46.3782% | 6,498 |
| Total domestic deposits to total assets | 88.1634% | 1,947 |
| Equity capital to assets | 11.5017% | 2,739 |
| Core capital (leverage) ratio | 10.9305% | 2,460 |
| Tier 1 risk-based capital ratio | 21.1923% | 1,478 |
| Total risk-based capital ratio | 22.0378% | 1,543 |
| Memoranda: | ||
| Average total assets | $68,363,000 | 5,732 |
| Average earning assets | $60,707,750 | 5,778 |
| Average equity | $7,142,000 | 5,786 |
| Average total loans | $25,787,250 | 6,228 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1766% | 1,324 |
| Cost of funding earning assets | 0.8265% | 2,981 |
| Net interest margin | 4.3501% | 1,339 |
| Noninterest income to average assets | 0.9508% | 1,612 |
| Noninterest expense to average assets | 3.2766% | 2,366 |
| Loan and lease loss provision to assets | 0.7431% | 703 |
| Net operating income to assets | 0.6872% | 3,938 |
| Return on assets (ROA) | 0.6817% | 4,235 |
| Pretax return on assets | 0.7285% | 4,740 |
| Return on Equity (ROE) | 6.7520% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.7520% | 2,248 |
| Net charge-offs to loans | 2.2773% | 326 |
| Credit loss provision to net charge-offs | 88.1944% | 3,099 |
| Earnings coverage of net charge-offs (x) | 1.7535% | 4,105 |
| Efficiency ratio | 68.9231% | 3,956 |
| Assets per employee ($millions) | 2.6256% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 6,222 |
| Loan loss allowance to noncurrent loans | 31.5068% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 2.0596% | 2,709 |
| Noncurrent loans to loans | 3.1209% | 1,876 |
| Net loans and leases to total assets | 37.3207% | 6,531 |
| Net loans and leases to deposits | 41.8582% | 6,655 |
| Net loans and leases to core deposits | 43.6661% | 6,675 |
| Total domestic deposits to total assets | 89.1599% | 1,412 |
| Equity capital to assets | 10.5750% | 3,595 |
| Core capital (leverage) ratio | 10.3876% | 2,933 |
| Tier 1 risk-based capital ratio | 19.6235% | 1,809 |
| Total risk-based capital ratio | 20.3218% | 1,930 |
| Memoranda: | ||
| Average total assets | $68,362,670 | 5,767 |
| Average earning assets | $59,768,670 | 5,845 |
| Average equity | $6,901,670 | 5,878 |
| Average total loans | $25,292,670 | 6,301 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4857% | 778 |
| Cost of funding earning assets | 0.8716% | 2,905 |
| Net interest margin | 4.6140% | 806 |
| Noninterest income to average assets | 1.0115% | 1,400 |
| Noninterest expense to average assets | 3.1866% | 2,645 |
| Loan and lease loss provision to assets | 1.3448% | 274 |
| Net operating income to assets | 0.3547% | 5,457 |
| Return on assets (ROA) | 0.5613% | 4,760 |
| Pretax return on assets | 0.6022% | 5,111 |
| Return on Equity (ROE) | 5.6948% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.6948% | 3,149 |
| Net charge-offs to loans | 4.3232% | 128 |
| Credit loss provision to net charge-offs | 84.8708% | 2,642 |
| Earnings coverage of net charge-offs (x) | 1.0886% | 3,789 |
| Efficiency ratio | 64.8810% | 4,763 |
| Assets per employee ($millions) | 2.7722% | 6,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 6,359 |
| Loan loss allowance to noncurrent loans | 30.9045% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 2.0518% | 2,821 |
| Noncurrent loans to loans | 3.1381% | 2,045 |
| Net loans and leases to total assets | 36.2461% | 6,604 |
| Net loans and leases to deposits | 40.3534% | 6,720 |
| Net loans and leases to core deposits | 42.0665% | 6,746 |
| Total domestic deposits to total assets | 89.8217% | 1,172 |
| Equity capital to assets | 9.9749% | 4,151 |
| Core capital (leverage) ratio | 10.1848% | 3,131 |
| Tier 1 risk-based capital ratio | 19.1892% | 1,940 |
| Total risk-based capital ratio | 19.8662% | 2,073 |
| Memoranda: | ||
| Average total assets | $68,411,500 | 5,811 |
| Average earning assets | $57,823,500 | 5,948 |
| Average equity | $6,743,000 | 5,951 |
| Average total loans | $25,074,000 | 6,368 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7871% | 661 |
| Cost of funding earning assets | 1.0714% | 2,871 |
| Net interest margin | 4.7158% | 725 |
| Noninterest income to average assets | 0.8290% | 1,928 |
| Noninterest expense to average assets | 3.3340% | 2,407 |
| Loan and lease loss provision to assets | 0.6150% | 1,680 |
| Net operating income to assets | 0.8162% | 2,970 |
| Return on assets (ROA) | 0.7003% | 3,673 |
| Pretax return on assets | 0.7138% | 4,276 |
| Return on Equity (ROE) | 7.2358% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.2358% | 1,395 |
| Net charge-offs to loans | 1.6130% | 973 |
| Credit loss provision to net charge-offs | 96.0280% | 3,755 |
| Earnings coverage of net charge-offs (x) | 2.2593% | 4,092 |
| Efficiency ratio | 69.7340% | 4,016 |
| Assets per employee ($millions) | 2.7008% | 6,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 5,610 |
| Loan loss allowance to noncurrent loans | 28.1773% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 2.4304% | 2,506 |
| Noncurrent loans to loans | 4.0957% | 1,517 |
| Net loans and leases to total assets | 36.2802% | 6,750 |
| Net loans and leases to deposits | 40.2941% | 6,872 |
| Net loans and leases to core deposits | 42.0583% | 6,883 |
| Total domestic deposits to total assets | 90.0384% | 975 |
| Equity capital to assets | 9.7350% | 4,542 |
| Core capital (leverage) ratio | 10.2780% | 2,994 |
| Tier 1 risk-based capital ratio | 19.1250% | 1,862 |
| Total risk-based capital ratio | 19.9205% | 1,965 |
| Memoranda: | ||
| Average total assets | $66,826,400 | 5,845 |
| Average earning assets | $56,003,800 | 5,982 |
| Average equity | $6,467,800 | 6,021 |
| Average total loans | $26,535,200 | 6,322 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8741% | 591 |
| Cost of funding earning assets | 1.1184% | 2,847 |
| Net interest margin | 4.7556% | 679 |
| Noninterest income to average assets | 0.8361% | 1,899 |
| Noninterest expense to average assets | 3.4226% | 2,133 |
| Loan and lease loss provision to assets | 0.5921% | 1,665 |
| Net operating income to assets | 0.7515% | 3,374 |
| Return on assets (ROA) | 0.6481% | 4,057 |
| Pretax return on assets | 0.6921% | 4,510 |
| Return on Equity (ROE) | 6.7064% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.7064% | 2,128 |
| Net charge-offs to loans | 0.9540% | 1,685 |
| Credit loss provision to net charge-offs | 153.3679% | 2,026 |
| Earnings coverage of net charge-offs (x) | 3.6114% | 3,369 |
| Efficiency ratio | 71.0548% | 3,732 |
| Assets per employee ($millions) | 2.5443% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 3,408 |
| Loan loss allowance to noncurrent loans | 32.0725% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 2.8646% | 2,261 |
| Noncurrent loans to loans | 5.1811% | 1,180 |
| Net loans and leases to total assets | 36.4101% | 6,848 |
| Net loans and leases to deposits | 40.5816% | 6,961 |
| Net loans and leases to core deposits | 42.2147% | 6,980 |
| Total domestic deposits to total assets | 89.7206% | 1,025 |
| Equity capital to assets | 10.0193% | 4,318 |
| Core capital (leverage) ratio | 9.9487% | 3,512 |
| Tier 1 risk-based capital ratio | 19.2728% | 1,863 |
| Total risk-based capital ratio | 20.4380% | 1,848 |
| Memoranda: | ||
| Average total assets | $66,653,250 | 5,891 |
| Average earning assets | $55,792,000 | 6,037 |
| Average equity | $6,441,500 | 6,071 |
| Average total loans | $26,973,500 | 6,353 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0478% | 438 |
| Cost of funding earning assets | 1.1865% | 2,666 |
| Net interest margin | 4.8613% | 534 |
| Noninterest income to average assets | 0.8381% | 1,848 |
| Noninterest expense to average assets | 3.3882% | 2,297 |
| Loan and lease loss provision to assets | 0.1497% | 4,442 |
| Net operating income to assets | 1.2473% | 1,447 |
| Return on assets (ROA) | 1.1164% | 1,910 |
| Pretax return on assets | 1.1942% | 2,507 |
| Return on Equity (ROE) | 11.6940% | 1,583 |
| Retained earnings to average equity (ytd only) | 11.6940% | 566 |
| Net charge-offs to loans | 0.0144% | 5,643 |
| Credit loss provision to net charge-offs | 2,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 136 |
| Efficiency ratio | 69.5332% | 4,198 |
| Assets per employee ($millions) | 2.5503% | 6,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,971 |
| Loan loss allowance to noncurrent loans | 50.0709% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.7057% | 3,636 |
| Noncurrent loans to loans | 2.6350% | 2,751 |
| Net loans and leases to total assets | 39.8172% | 6,759 |
| Net loans and leases to deposits | 44.6954% | 6,898 |
| Net loans and leases to core deposits | 46.2966% | 6,919 |
| Total domestic deposits to total assets | 89.0858% | 1,487 |
| Equity capital to assets | 10.6624% | 3,321 |
| Core capital (leverage) ratio | 10.1371% | 3,098 |
| Tier 1 risk-based capital ratio | 18.2145% | 2,099 |
| Total risk-based capital ratio | 19.1626% | 2,156 |
| Memoranda: | ||
| Average total assets | $66,820,330 | 5,933 |
| Average earning assets | $55,458,330 | 6,105 |
| Average equity | $6,379,330 | 6,119 |
| Average total loans | $27,800,330 | 6,374 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0229% | 452 |
| Cost of funding earning assets | 1.2665% | 2,385 |
| Net interest margin | 4.7564% | 623 |
| Noninterest income to average assets | 0.8408% | 1,881 |
| Noninterest expense to average assets | 3.4528% | 2,138 |
| Loan and lease loss provision to assets | 0.2982% | 2,774 |
| Net operating income to assets | 0.9664% | 2,291 |
| Return on assets (ROA) | 0.9720% | 2,341 |
| Pretax return on assets | 1.0376% | 2,994 |
| Return on Equity (ROE) | 10.8054% | 1,805 |
| Retained earnings to average equity (ytd only) | 10.8054% | 937 |
| Net charge-offs to loans | 0.0565% | 4,366 |
| Credit loss provision to net charge-offs | 1,250.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 55.7500% | 528 |
| Efficiency ratio | 72.1945% | 3,820 |
| Assets per employee ($millions) | 2.6870% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 5,347 |
| Loan loss allowance to noncurrent loans | 26.3952% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 2.6260% | 2,616 |
| Noncurrent loans to loans | 4.7677% | 1,440 |
| Net loans and leases to total assets | 40.8813% | 6,712 |
| Net loans and leases to deposits | 45.4646% | 6,885 |
| Net loans and leases to core deposits | 47.6862% | 6,889 |
| Total domestic deposits to total assets | 89.9189% | 1,198 |
| Equity capital to assets | 9.8608% | 3,954 |
| Core capital (leverage) ratio | 9.6703% | 3,568 |
| Tier 1 risk-based capital ratio | 18.0067% | 2,112 |
| Total risk-based capital ratio | 18.9658% | 2,181 |
| Memoranda: | ||
| Average total assets | $67,076,500 | 5,964 |
| Average earning assets | $55,588,000 | 6,142 |
| Average equity | $6,034,000 | 6,235 |
| Average total loans | $28,323,000 | 6,403 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4741% | 332 |
| Cost of funding earning assets | 1.5584% | 2,311 |
| Net interest margin | 4.9158% | 525 |
| Noninterest income to average assets | 0.9735% | 1,594 |
| Noninterest expense to average assets | 3.5751% | 1,989 |
| Loan and lease loss provision to assets | 0.0300% | 6,828 |
| Net operating income to assets | 1.5446% | 700 |
| Return on assets (ROA) | 0.8507% | 2,726 |
| Pretax return on assets | 0.8582% | 3,444 |
| Return on Equity (ROE) | 12.7963% | 1,146 |
| Retained earnings to average equity (ytd only) | 12.7963% | 222 |
| Net charge-offs to loans | 0.5855% | 3,281 |
| Credit loss provision to net charge-offs | 11.2360% | 6,606 |
| Earnings coverage of net charge-offs (x) | 5.9607% | 2,479 |
| Efficiency ratio | 69.2285% | 4,332 |
| Assets per employee ($millions) | 2.6791% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 6,128 |
| Loan loss allowance to noncurrent loans | 16.0422% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 3.3563% | 2,090 |
| Noncurrent loans to loans | 6.5721% | 903 |
| Net loans and leases to total assets | 42.5961% | 6,817 |
| Net loans and leases to deposits | 46.4688% | 7,023 |
| Net loans and leases to core deposits | 50.8638% | 6,951 |
| Total domestic deposits to total assets | 91.6659% | 353 |
| Equity capital to assets | 8.1280% | 6,348 |
| Core capital (leverage) ratio | 9.4479% | 3,771 |
| Tier 1 risk-based capital ratio | 16.9376% | 2,365 |
| Total risk-based capital ratio | 17.7410% | 2,492 |
| Memoranda: | ||
| Average total assets | $66,767,800 | 5,969 |
| Average earning assets | $56,918,800 | 6,098 |
| Average equity | $4,438,800 | 6,840 |
| Average total loans | $30,402,400 | 6,372 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4493% | 376 |
| Cost of funding earning assets | 1.5867% | 2,463 |
| Net interest margin | 4.8626% | 592 |
| Noninterest income to average assets | 1.0212% | 1,413 |
| Noninterest expense to average assets | 3.6033% | 1,784 |
| Loan and lease loss provision to assets | 0.0400% | 6,686 |
| Net operating income to assets | 1.4518% | 1,017 |
| Return on assets (ROA) | 1.1451% | 1,850 |
| Pretax return on assets | 1.2251% | 2,411 |
| Return on Equity (ROE) | 18.2443% | 464 |
| Retained earnings to average equity (ytd only) | 18.2443% | 107 |
| Net charge-offs to loans | 0.5888% | 2,976 |
| Credit loss provision to net charge-offs | 14.7059% | 6,295 |
| Earnings coverage of net charge-offs (x) | 5.8676% | 2,658 |
| Efficiency ratio | 69.3195% | 4,204 |
| Assets per employee ($millions) | 2.6807% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,638 |
| Loan loss allowance to noncurrent loans | 40.1858% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 1.8130% | 3,731 |
| Noncurrent loans to loans | 2.9051% | 2,751 |
| Net loans and leases to total assets | 43.7083% | 6,863 |
| Net loans and leases to deposits | 47.4441% | 7,108 |
| Net loans and leases to core deposits | 51.9067% | 7,050 |
| Total domestic deposits to total assets | 92.1259% | 175 |
| Equity capital to assets | 7.6145% | 7,049 |
| Core capital (leverage) ratio | 9.6848% | 3,637 |
| Tier 1 risk-based capital ratio | 16.5595% | 2,533 |
| Total risk-based capital ratio | 17.4527% | 2,621 |
| Memoranda: | ||
| Average total assets | $66,715,250 | 6,038 |
| Average earning assets | $57,306,750 | 6,152 |
| Average equity | $4,187,500 | 7,020 |
| Average total loans | $30,794,500 | 6,445 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4969% | 337 |
| Cost of funding earning assets | 1.6330% | 2,464 |
| Net interest margin | 4.8639% | 585 |
| Noninterest income to average assets | 1.1109% | 1,067 |
| Noninterest expense to average assets | 3.7109% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4675% | 961 |
| Return on assets (ROA) | 1.0808% | 1,993 |
| Pretax return on assets | 1.1559% | 2,564 |
| Return on Equity (ROE) | 18.5456% | 423 |
| Retained earnings to average equity (ytd only) | 18.5456% | 115 |
| Net charge-offs to loans | 0.7505% | 2,363 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 4.4615% | 2,946 |
| Efficiency ratio | 70.3072% | 4,130 |
| Assets per employee ($millions) | 2.3965% | 7,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,897 |
| Loan loss allowance to noncurrent loans | 40.2794% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 1.8601% | 3,676 |
| Noncurrent loans to loans | 2.7573% | 2,898 |
| Net loans and leases to total assets | 49.4439% | 6,497 |
| Net loans and leases to deposits | 52.7778% | 6,932 |
| Net loans and leases to core deposits | 57.7751% | 6,842 |
| Total domestic deposits to total assets | 93.6831% | 85 |
| Equity capital to assets | 6.0938% | 7,527 |
| Core capital (leverage) ratio | 9.4750% | 3,858 |
| Tier 1 risk-based capital ratio | 15.3138% | 3,000 |
| Total risk-based capital ratio | 16.1682% | 3,166 |
| Memoranda: | ||
| Average total assets | $66,614,670 | 6,082 |
| Average earning assets | $57,073,330 | 6,197 |
| Average equity | $3,882,330 | 7,155 |
| Average total loans | $31,180,000 | 6,469 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5442% | 331 |
| Cost of funding earning assets | 1.7185% | 2,298 |
| Net interest margin | 4.8257% | 608 |
| Noninterest income to average assets | 1.1633% | 913 |
| Noninterest expense to average assets | 3.7983% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2493% | 1,403 |
| Return on assets (ROA) | 1.0005% | 2,254 |
| Pretax return on assets | 1.0935% | 2,757 |
| Return on Equity (ROE) | 17.5287% | 555 |
| Retained earnings to average equity (ytd only) | 17.5287% | 264 |
| Net charge-offs to loans | 0.8207% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.6719% | 2,829 |
| Efficiency ratio | 73.5360% | 3,653 |
| Assets per employee ($millions) | 2.7017% | 6,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,827 |
| Loan loss allowance to noncurrent loans | 49.2593% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.5802% | 4,130 |
| Noncurrent loans to loans | 2.6791% | 2,995 |
| Net loans and leases to total assets | 42.4728% | 7,096 |
| Net loans and leases to deposits | 45.8993% | 7,336 |
| Net loans and leases to core deposits | 53.3692% | 7,140 |
| Total domestic deposits to total assets | 92.5347% | 164 |
| Equity capital to assets | 7.2461% | 7,256 |
| Core capital (leverage) ratio | 8.6929% | 5,030 |
| Tier 1 risk-based capital ratio | 14.8428% | 3,185 |
| Total risk-based capital ratio | 15.8251% | 3,299 |
| Memoranda: | ||
| Average total assets | $68,767,500 | 6,080 |
| Average earning assets | $57,028,000 | 6,275 |
| Average equity | $3,925,000 | 7,211 |
| Average total loans | $31,193,000 | 6,561 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8780% | 332 |
| Cost of funding earning assets | 1.9582% | 3,170 |
| Net interest margin | 4.9197% | 536 |
| Noninterest income to average assets | 0.9014% | 1,932 |
| Noninterest expense to average assets | 3.3098% | 2,982 |
| Loan and lease loss provision to assets | 1.2961% | 1,786 |
| Net operating income to assets | 0.6775% | 3,025 |
| Return on assets (ROA) | 0.8640% | 2,366 |
| Pretax return on assets | 0.8669% | 3,027 |
| Return on Equity (ROE) | 16.7950% | 474 |
| Retained earnings to average equity (ytd only) | -0.6417% | 5,152 |
| Net charge-offs to loans | 3.0529% | 685 |
| Credit loss provision to net charge-offs | 85.6736% | 6,141 |
| Earnings coverage of net charge-offs (x) | 1.3065% | 4,819 |
| Efficiency ratio | 62.6120% | 6,036 |
| Assets per employee ($millions) | 2.6916% | 6,870 |
| Cash dividends to net income (ytd only)* | 103.8206% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 4,043 |
| Loan loss allowance to noncurrent loans | 50.8251% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 2.0077% | 3,385 |
| Noncurrent loans to loans | 2.8272% | 2,727 |
| Net loans and leases to total assets | 47.0947% | 6,889 |
| Net loans and leases to deposits | 49.1905% | 7,305 |
| Net loans and leases to core deposits | 58.2923% | 7,331 |
| Total domestic deposits to total assets | 95.7393% | 38 |
| Equity capital to assets | 4.1016% | 7,852 |
| Core capital (leverage) ratio | 6.7582% | 7,390 |
| Tier 1 risk-based capital ratio | 11.0218% | 5,898 |
| Total risk-based capital ratio | 12.0735% | 6,059 |
| Memoranda: | ||
| Average total assets | $69,672,600 | 6,016 |
| Average earning assets | $62,096,800 | 6,058 |
| Average equity | $3,584,400 | 7,420 |
| Average total loans | $34,524,400 | 6,375 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8976% | 355 |
| Cost of funding earning assets | 1.9307% | 3,714 |
| Net interest margin | 4.9670% | 476 |
| Noninterest income to average assets | 0.9051% | 1,966 |
| Noninterest expense to average assets | 3.0302% | 3,931 |
| Loan and lease loss provision to assets | 1.6508% | 1,137 |
| Net operating income to assets | 0.6764% | 3,293 |
| Return on assets (ROA) | 0.5882% | 3,708 |
| Pretax return on assets | 0.6299% | 4,085 |
| Return on Equity (ROE) | 10.9041% | 1,655 |
| Retained earnings to average equity (ytd only) | -11.0801% | 6,890 |
| Net charge-offs to loans | 4.4117% | 298 |
| Credit loss provision to net charge-offs | 74.8709% | 5,888 |
| Earnings coverage of net charge-offs (x) | 1.0775% | 4,978 |
| Efficiency ratio | 56.0548% | 6,991 |
| Assets per employee ($millions) | 2.9135% | 6,371 |
| Cash dividends to net income (ytd only)* | 201.6138% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 6,605 |
| Loan loss allowance to noncurrent loans | 22.9836% | 6,913 |
| Noncurrent assets plus other real estate owned to assets | 2.1637% | 3,139 |
| Noncurrent loans to loans | 4.0819% | 1,795 |
| Net loans and leases to total assets | 46.6789% | 7,059 |
| Net loans and leases to deposits | 54.8980% | 7,152 |
| Net loans and leases to core deposits | 65.8876% | 7,164 |
| Total domestic deposits to total assets | 85.0284% | 3,221 |
| Equity capital to assets | 7.8750% | 6,965 |
| Core capital (leverage) ratio | 6.2854% | 7,735 |
| Tier 1 risk-based capital ratio | 9.8372% | 7,103 |
| Total risk-based capital ratio | 10.5334% | 7,490 |
| Memoranda: | ||
| Average total assets | $70,268,250 | 6,034 |
| Average earning assets | $63,672,500 | 6,051 |
| Average equity | $3,790,500 | 7,420 |
| Average total loans | $35,117,500 | 6,398 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2322% | 226 |
| Cost of funding earning assets | 1.8708% | 4,415 |
| Net interest margin | 5.3613% | 225 |
| Noninterest income to average assets | 0.9336% | 1,825 |
| Noninterest expense to average assets | 3.1032% | 3,688 |
| Loan and lease loss provision to assets | 0.0720% | 6,478 |
| Net operating income to assets | 2.5022% | 109 |
| Return on assets (ROA) | 2.0198% | 307 |
| Pretax return on assets | 2.1610% | 389 |
| Return on Equity (ROE) | 44.6213% | 24 |
| Retained earnings to average equity (ytd only) | 4.8377% | 2,602 |
| Net charge-offs to loans | 1.7636% | 1,076 |
| Credit loss provision to net charge-offs | 8.0128% | 6,203 |
| Earnings coverage of net charge-offs (x) | 3.0609% | 3,592 |
| Efficiency ratio | 53.0020% | 7,437 |
| Assets per employee ($millions) | 2.8975% | 6,398 |
| Cash dividends to net income (ytd only)* | 89.1583% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 6,668 |
| Loan loss allowance to noncurrent loans | 15.2296% | 7,360 |
| Noncurrent assets plus other real estate owned to assets | 3.1599% | 1,987 |
| Noncurrent loans to loans | 6.0725% | 895 |
| Net loans and leases to total assets | 48.0646% | 7,027 |
| Net loans and leases to deposits | 54.7145% | 7,233 |
| Net loans and leases to core deposits | 64.8663% | 7,255 |
| Total domestic deposits to total assets | 87.8462% | 1,839 |
| Equity capital to assets | 4.9932% | 8,039 |
| Core capital (leverage) ratio | 7.1806% | 7,378 |
| Tier 1 risk-based capital ratio | 9.5059% | 7,386 |
| Total risk-based capital ratio | 10.1312% | 7,791 |
| Memoranda: | ||
| Average total assets | $69,411,670 | 6,098 |
| Average earning assets | $63,715,330 | 6,083 |
| Average equity | $3,142,000 | 7,687 |
| Average total loans | $35,382,670 | 6,444 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1147% | 283 |
| Cost of funding earning assets | 1.8137% | 5,053 |
| Net interest margin | 5.3010% | 231 |
| Noninterest income to average assets | 0.9779% | 1,553 |
| Noninterest expense to average assets | 2.9632% | 3,923 |
| Loan and lease loss provision to assets | 0.1473% | 5,059 |
| Net operating income to assets | 2.5921% | 112 |
| Return on assets (ROA) | 2.5921% | 137 |
| Pretax return on assets | 2.7747% | 159 |
| Return on Equity (ROE) | 60.5956% | 17 |
| Retained earnings to average equity (ytd only) | 19.2804% | 188 |
| Net charge-offs to loans | -0.0113% | 7,300 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3504% | 7,563 |
| Assets per employee ($millions) | 2.6695% | 6,946 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 1,796 |
| Loan loss allowance to noncurrent loans | 36.5352% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 2.6207% | 2,190 |
| Noncurrent loans to loans | 4.9922% | 1,086 |
| Net loans and leases to total assets | 51.5396% | 6,726 |
| Net loans and leases to deposits | 59.5973% | 6,928 |
| Net loans and leases to core deposits | 71.2678% | 6,946 |
| Total domestic deposits to total assets | 86.4798% | 2,457 |
| Equity capital to assets | 3.9753% | 8,163 |
| Core capital (leverage) ratio | 7.2315% | 7,451 |
| Tier 1 risk-based capital ratio | 11.4815% | 5,437 |
| Total risk-based capital ratio | 12.7343% | 5,326 |
| Memoranda: | ||
| Average total assets | $67,898,500 | 6,181 |
| Average earning assets | $62,856,000 | 6,145 |
| Average equity | $2,904,500 | 7,811 |
| Average total loans | $35,503,000 | 6,464 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2056% | 737 |
| Cost of funding earning assets | 2.3004% | 5,150 |
| Net interest margin | 4.9051% | 627 |
| Noninterest income to average assets | 0.8038% | 2,497 |
| Noninterest expense to average assets | 2.7985% | 4,824 |
| Loan and lease loss provision to assets | 0.4574% | 3,002 |
| Net operating income to assets | 1.9951% | 357 |
| Return on assets (ROA) | 1.9991% | 334 |
| Pretax return on assets | 2.1453% | 443 |
| Return on Equity (ROE) | 29.4802% | 68 |
| Retained earnings to average equity (ytd only) | -0.6896% | 5,508 |
| Net charge-offs to loans | 0.1365% | 4,857 |
| Credit loss provision to net charge-offs | 652.0833% | 652 |
| Earnings coverage of net charge-offs (x) | 37.0417% | 999 |
| Efficiency ratio | 51.8549% | 7,503 |
| Assets per employee ($millions) | 2.8775% | 6,376 |
| Cash dividends to net income (ytd only)* | 102.3392% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7042% | 1,897 |
| Loan loss allowance to noncurrent loans | 44.4525% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 1.9968% | 2,468 |
| Noncurrent loans to loans | 3.8336% | 1,295 |
| Net loans and leases to total assets | 51.1990% | 6,919 |
| Net loans and leases to deposits | 60.0377% | 7,083 |
| Net loans and leases to core deposits | 69.3022% | 7,231 |
| Total domestic deposits to total assets | 85.2780% | 2,714 |
| Equity capital to assets | 4.5699% | 8,226 |
| Core capital (leverage) ratio | 7.0791% | 7,632 |
| Tier 1 risk-based capital ratio | 10.9894% | 5,730 |
| Total risk-based capital ratio | 12.2410% | 5,632 |
| Memoranda: | ||
| Average total assets | $68,429,200 | 6,081 |
| Average earning assets | $64,075,600 | 6,016 |
| Average equity | $4,640,400 | 7,283 |
| Average total loans | $35,167,200 | 6,414 |