Home > First Bank of Pike > Performance and Condition Ratios
First Bank of Pike, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2455% | 464 |
| Cost of funding earning assets | 0.5656% | 4,124 |
| Net interest margin | 5.6798% | 151 |
| Noninterest income to average assets | 1.3400% | 451 |
| Noninterest expense to average assets | 5.0638% | 224 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.0823% | 1,968 |
| Return on assets (ROA) | 1.0823% | 1,942 |
| Pretax return on assets | 1.3567% | 1,726 |
| Return on Equity (ROE) | 13.5500% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.0027% | 792 |
| Net charge-offs to loans | 0.2590% | 411 |
| Credit loss provision to net charge-offs | 159.6639% | 1,412 |
| Earnings coverage of net charge-offs (x) | 9.8235% | 2,268 |
| Efficiency ratio | 75.7620% | 1,268 |
| Assets per employee ($millions) | 3.1007% | 4,366 |
| Cash dividends to net income (ytd only)* | 18.8220% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,296 |
| Loan loss allowance to noncurrent loans | 133.8374% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7418% | 695 |
| Noncurrent loans to loans | 1.0641% | 691 |
| Net loans and leases to total assets | 68.7200% | 1,955 |
| Net loans and leases to deposits | 76.1574% | 2,440 |
| Net loans and leases to core deposits | 81.8688% | 2,593 |
| Total domestic deposits to total assets | 90.2300% | 704 |
| Equity capital to assets | 8.5282% | 3,030 |
| Core capital (leverage) ratio | 9.5607% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8649% | 1,101 |
| Memoranda: | ||
| Average total assets | $72,159,200 | 4,095 |
| Average earning assets | $67,889,200 | 4,056 |
| Average equity | $5,762,200 | 4,186 |
| Average total loans | $45,937,800 | 3,900 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0711% | 489 |
| Cost of funding earning assets | 0.4724% | 4,173 |
| Net interest margin | 5.5987% | 164 |
| Noninterest income to average assets | 1.4100% | 420 |
| Noninterest expense to average assets | 4.8582% | 234 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.3136% | 1,520 |
| Return on assets (ROA) | 1.3136% | 1,502 |
| Pretax return on assets | 1.5936% | 1,373 |
| Return on Equity (ROE) | 16.7300% | 1,129 |
| Retained earnings to average equity (ytd only) | 16.7300% | 408 |
| Net charge-offs to loans | 0.2845% | 301 |
| Credit loss provision to net charge-offs | 135.4167% | 1,383 |
| Earnings coverage of net charge-offs (x) | 10.3646% | 2,129 |
| Efficiency ratio | 72.6046% | 1,499 |
| Assets per employee ($millions) | 3.6474% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,405 |
| Loan loss allowance to noncurrent loans | 161.6867% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 1,032 |
| Noncurrent loans to loans | 0.8738% | 949 |
| Net loans and leases to total assets | 64.1900% | 2,423 |
| Net loans and leases to deposits | 71.0031% | 2,774 |
| Net loans and leases to core deposits | 76.5232% | 2,829 |
| Total domestic deposits to total assets | 90.4000% | 841 |
| Equity capital to assets | 8.2005% | 2,922 |
| Core capital (leverage) ratio | 9.7937% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5474% | 1,012 |
| Memoranda: | ||
| Average total assets | $72,370,000 | 4,110 |
| Average earning assets | $68,300,250 | 4,071 |
| Average equity | $5,682,250 | 4,203 |
| Average total loans | $44,994,000 | 3,925 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9310% | 481 |
| Cost of funding earning assets | 0.3872% | 4,189 |
| Net interest margin | 5.5438% | 168 |
| Noninterest income to average assets | 1.1900% | 446 |
| Noninterest expense to average assets | 4.8685% | 230 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 1.0862% | 2,159 |
| Return on assets (ROA) | 1.0862% | 2,152 |
| Pretax return on assets | 1.3356% | 1,973 |
| Return on Equity (ROE) | 14.0400% | 1,673 |
| Retained earnings to average equity (ytd only) | 14.0443% | 671 |
| Net charge-offs to loans | 0.3578% | 235 |
| Credit loss provision to net charge-offs | 101.2658% | 1,434 |
| Earnings coverage of net charge-offs (x) | 7.1139% | 2,099 |
| Efficiency ratio | 75.7654% | 1,191 |
| Assets per employee ($millions) | 3.3312% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 1,369 |
| Loan loss allowance to noncurrent loans | 141.4634% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 870 |
| Noncurrent loans to loans | 1.0220% | 739 |
| Net loans and leases to total assets | 59.3400% | 2,833 |
| Net loans and leases to deposits | 65.2582% | 3,104 |
| Net loans and leases to core deposits | 68.0818% | 3,230 |
| Total domestic deposits to total assets | 90.9400% | 668 |
| Equity capital to assets | 7.8282% | 3,332 |
| Core capital (leverage) ratio | 9.1464% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5452% | 1,027 |
| Memoranda: | ||
| Average total assets | $72,177,667 | 4,128 |
| Average earning assets | $68,184,333 | 4,093 |
| Average equity | $5,582,333 | 4,240 |
| Average total loans | $44,160,667 | 3,953 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7491% | 447 |
| Cost of funding earning assets | 0.3608% | 4,045 |
| Net interest margin | 5.3883% | 175 |
| Noninterest income to average assets | 1.2000% | 440 |
| Noninterest expense to average assets | 5.0821% | 221 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 0.7539% | 3,334 |
| Return on assets (ROA) | 0.7539% | 3,288 |
| Pretax return on assets | 0.9494% | 3,128 |
| Return on Equity (ROE) | 9.8100% | 2,843 |
| Retained earnings to average equity (ytd only) | 9.8093% | 1,741 |
| Net charge-offs to loans | 0.4980% | 165 |
| Credit loss provision to net charge-offs | 81.8182% | 1,204 |
| Earnings coverage of net charge-offs (x) | 3.9091% | 1,870 |
| Efficiency ratio | 80.8889% | 771 |
| Assets per employee ($millions) | 3.1780% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 1,390 |
| Loan loss allowance to noncurrent loans | 213.2653% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 1,283 |
| Noncurrent loans to loans | 0.6854% | 1,108 |
| Net loans and leases to total assets | 57.8300% | 2,884 |
| Net loans and leases to deposits | 63.4068% | 3,136 |
| Net loans and leases to core deposits | 66.1373% | 3,215 |
| Total domestic deposits to total assets | 91.2000% | 736 |
| Equity capital to assets | 7.6709% | 3,463 |
| Core capital (leverage) ratio | 8.7789% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2966% | 1,116 |
| Memoranda: | ||
| Average total assets | $71,623,500 | 4,186 |
| Average earning assets | $67,628,500 | 4,157 |
| Average equity | $5,505,000 | 4,300 |
| Average total loans | $44,177,000 | 3,997 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 308 |
| Cost of funding earning assets | 0.2718% | 3,139 |
| Net interest margin | 4.7137% | 200 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 4.3721% | 268 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.8208% | 3,253 |
| Return on assets (ROA) | 0.8208% | 3,187 |
| Pretax return on assets | 1.0283% | 2,988 |
| Return on Equity (ROE) | 11.3100% | 2,380 |
| Retained earnings to average equity (ytd only) | 9.6757% | 1,248 |
| Net charge-offs to loans | 0.1981% | 415 |
| Credit loss provision to net charge-offs | 180.2326% | 1,184 |
| Earnings coverage of net charge-offs (x) | 10.6744% | 2,184 |
| Efficiency ratio | 77.9433% | 854 |
| Assets per employee ($millions) | 2.9230% | 4,538 |
| Cash dividends to net income (ytd only)* | 14.4499% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 1,499 |
| Loan loss allowance to noncurrent loans | 223.5088% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 1,266 |
| Noncurrent loans to loans | 0.6269% | 1,181 |
| Net loans and leases to total assets | 63.8900% | 2,255 |
| Net loans and leases to deposits | 70.0064% | 2,580 |
| Net loans and leases to core deposits | 72.2637% | 2,703 |
| Total domestic deposits to total assets | 91.2700% | 851 |
| Equity capital to assets | 7.7017% | 3,253 |
| Core capital (leverage) ratio | 8.5773% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7091% | 1,186 |
| Memoranda: | ||
| Average total assets | $74,197,600 | 4,196 |
| Average earning assets | $70,284,000 | 4,153 |
| Average equity | $5,384,600 | 4,394 |
| Average total loans | $43,408,600 | 4,004 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 337 |
| Cost of funding earning assets | 0.2617% | 2,584 |
| Net interest margin | 4.4582% | 255 |
| Noninterest income to average assets | 1.1700% | 523 |
| Noninterest expense to average assets | 4.2547% | 280 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.7747% | 3,337 |
| Return on assets (ROA) | 0.7747% | 3,291 |
| Pretax return on assets | 0.9750% | 3,092 |
| Return on Equity (ROE) | 10.8300% | 2,451 |
| Retained earnings to average equity (ytd only) | 10.8300% | 1,097 |
| Net charge-offs to loans | 0.0839% | 711 |
| Credit loss provision to net charge-offs | 351.8519% | 747 |
| Earnings coverage of net charge-offs (x) | 23.8889% | 1,640 |
| Efficiency ratio | 78.8177% | 851 |
| Assets per employee ($millions) | 3.1604% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,547 |
| Loan loss allowance to noncurrent loans | 227.9570% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 1,463 |
| Noncurrent loans to loans | 0.6230% | 1,305 |
| Net loans and leases to total assets | 58.2100% | 2,673 |
| Net loans and leases to deposits | 63.3338% | 2,917 |
| Net loans and leases to core deposits | 66.8757% | 2,888 |
| Total domestic deposits to total assets | 91.9100% | 912 |
| Equity capital to assets | 6.9375% | 3,548 |
| Core capital (leverage) ratio | 8.0829% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4329% | 1,306 |
| Memoranda: | ||
| Average total assets | $75,208,750 | 4,216 |
| Average earning assets | $71,327,500 | 4,175 |
| Average equity | $5,380,000 | 4,429 |
| Average total loans | $42,895,750 | 4,036 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5415% | 353 |
| Cost of funding earning assets | 0.2612% | 2,128 |
| Net interest margin | 4.2803% | 287 |
| Noninterest income to average assets | 1.1574% | 509 |
| Noninterest expense to average assets | 4.2856% | 238 |
| Loan and lease loss provision to assets | 0.2000% | 412 |
| Net operating income to assets | 0.5974% | 3,631 |
| Return on assets (ROA) | 0.5974% | 3,577 |
| Pretax return on assets | 0.7360% | 3,490 |
| Return on Equity (ROE) | 8.2667% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.2667% | 1,521 |
| Net charge-offs to loans | 0.1845% | 351 |
| Credit loss provision to net charge-offs | 192.3077% | 988 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,804 |
| Efficiency ratio | 82.0735% | 792 |
| Assets per employee ($millions) | 3.2377% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 1,722 |
| Loan loss allowance to noncurrent loans | 127.9661% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 918 |
| Noncurrent loans to loans | 1.1006% | 750 |
| Net loans and leases to total assets | 54.4135% | 2,919 |
| Net loans and leases to deposits | 59.0201% | 3,131 |
| Net loans and leases to core deposits | 62.2371% | 3,092 |
| Total domestic deposits to total assets | 92.1948% | 761 |
| Equity capital to assets | 6.7898% | 3,884 |
| Core capital (leverage) ratio | 7.8642% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3814% | 1,331 |
| Memoranda: | ||
| Average total assets | $74,995,333 | 4,262 |
| Average earning assets | $71,210,333 | 4,233 |
| Average equity | $5,419,333 | 4,477 |
| Average total loans | $42,265,667 | 4,099 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 332 |
| Cost of funding earning assets | 0.2630% | 2,007 |
| Net interest margin | 4.2079% | 283 |
| Noninterest income to average assets | 0.9343% | 787 |
| Noninterest expense to average assets | 4.1227% | 258 |
| Loan and lease loss provision to assets | 0.1358% | 595 |
| Net operating income to assets | 0.5866% | 3,437 |
| Return on assets (ROA) | 0.5866% | 3,424 |
| Pretax return on assets | 0.6735% | 3,466 |
| Return on Equity (ROE) | 7.8674% | 2,734 |
| Retained earnings to average equity (ytd only) | 7.8674% | 1,623 |
| Net charge-offs to loans | 0.1907% | 321 |
| Credit loss provision to net charge-offs | 125.0000% | 914 |
| Earnings coverage of net charge-offs (x) | 7.4500% | 1,536 |
| Efficiency ratio | 83.5903% | 882 |
| Assets per employee ($millions) | 3.1144% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 2,052 |
| Loan loss allowance to noncurrent loans | 180.7571% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 1,431 |
| Noncurrent loans to loans | 0.7546% | 1,261 |
| Net loans and leases to total assets | 55.4331% | 2,587 |
| Net loans and leases to deposits | 60.3853% | 2,869 |
| Net loans and leases to core deposits | 63.8232% | 2,811 |
| Total domestic deposits to total assets | 91.7989% | 658 |
| Equity capital to assets | 7.2512% | 4,071 |
| Core capital (leverage) ratio | 8.0733% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6241% | 1,357 |
| Memoranda: | ||
| Average total assets | $73,640,500 | 4,301 |
| Average earning assets | $69,964,000 | 4,266 |
| Average equity | $5,491,000 | 4,518 |
| Average total loans | $41,955,500 | 4,121 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 314 |
| Cost of funding earning assets | 0.3024% | 2,387 |
| Net interest margin | 4.5738% | 235 |
| Noninterest income to average assets | 1.0046% | 997 |
| Noninterest expense to average assets | 4.4808% | 218 |
| Loan and lease loss provision to assets | 0.1867% | 601 |
| Net operating income to assets | 0.5542% | 3,970 |
| Return on assets (ROA) | 0.5542% | 4,018 |
| Pretax return on assets | 0.6846% | 3,962 |
| Return on Equity (ROE) | 7.0420% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.4227% | 2,608 |
| Net charge-offs to loans | 0.1272% | 716 |
| Credit loss provision to net charge-offs | 247.0588% | 1,176 |
| Earnings coverage of net charge-offs (x) | 11.5294% | 2,149 |
| Efficiency ratio | 83.7209% | 590 |
| Assets per employee ($millions) | 3.1537% | 4,662 |
| Cash dividends to net income (ytd only)* | 22.9947% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 2,109 |
| Loan loss allowance to noncurrent loans | 216.7939% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,779 |
| Noncurrent loans to loans | 0.6252% | 1,586 |
| Net loans and leases to total assets | 56.9877% | 2,482 |
| Net loans and leases to deposits | 62.3215% | 2,851 |
| Net loans and leases to core deposits | 65.9929% | 2,822 |
| Total domestic deposits to total assets | 91.4414% | 335 |
| Equity capital to assets | 7.6680% | 4,518 |
| Core capital (leverage) ratio | 7.8073% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5281% | 1,377 |
| Memoranda: | ||
| Average total assets | $67,487,200 | 4,365 |
| Average earning assets | $64,148,600 | 4,332 |
| Average equity | $5,311,000 | 4,601 |
| Average total loans | $40,106,600 | 4,185 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 313 |
| Cost of funding earning assets | 0.3115% | 2,482 |
| Net interest margin | 4.6657% | 233 |
| Noninterest income to average assets | 0.9825% | 1,102 |
| Noninterest expense to average assets | 4.3809% | 233 |
| Loan and lease loss provision to assets | 0.2340% | 411 |
| Net operating income to assets | 0.6523% | 3,895 |
| Return on assets (ROA) | 0.6523% | 3,947 |
| Pretax return on assets | 0.8013% | 3,891 |
| Return on Equity (ROE) | 8.2311% | 3,336 |
| Retained earnings to average equity (ytd only) | 8.2311% | 1,982 |
| Net charge-offs to loans | 0.1479% | 556 |
| Credit loss provision to net charge-offs | 263.6364% | 1,065 |
| Earnings coverage of net charge-offs (x) | 11.6818% | 1,987 |
| Efficiency ratio | 80.8922% | 704 |
| Assets per employee ($millions) | 2.7861% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 2,039 |
| Loan loss allowance to noncurrent loans | 582.4742% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 3,183 |
| Noncurrent loans to loans | 0.2397% | 2,973 |
| Net loans and leases to total assets | 57.2905% | 2,583 |
| Net loans and leases to deposits | 63.1462% | 2,941 |
| Net loans and leases to core deposits | 67.0734% | 2,850 |
| Total domestic deposits to total assets | 90.7268% | 459 |
| Equity capital to assets | 8.1807% | 4,421 |
| Core capital (leverage) ratio | 8.1433% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1902% | 1,314 |
| Memoranda: | ||
| Average total assets | $66,225,250 | 4,433 |
| Average earning assets | $62,926,250 | 4,406 |
| Average equity | $5,248,250 | 4,672 |
| Average total loans | $39,657,250 | 4,252 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1260% | 286 |
| Cost of funding earning assets | 0.3236% | 2,557 |
| Net interest margin | 4.8024% | 222 |
| Noninterest income to average assets | 0.9065% | 1,257 |
| Noninterest expense to average assets | 4.4159% | 228 |
| Loan and lease loss provision to assets | 0.2796% | 326 |
| Net operating income to assets | 0.6361% | 3,906 |
| Return on assets (ROA) | 0.6361% | 3,966 |
| Pretax return on assets | 0.7713% | 3,921 |
| Return on Equity (ROE) | 8.1203% | 3,377 |
| Retained earnings to average equity (ytd only) | 8.1203% | 2,032 |
| Net charge-offs to loans | 0.2082% | 410 |
| Credit loss provision to net charge-offs | 221.9512% | 1,010 |
| Earnings coverage of net charge-offs (x) | 8.3415% | 1,884 |
| Efficiency ratio | 80.7757% | 739 |
| Assets per employee ($millions) | 2.8956% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 2,387 |
| Loan loss allowance to noncurrent loans | 221.6327% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 2,182 |
| Noncurrent loans to loans | 0.5906% | 1,923 |
| Net loans and leases to total assets | 58.9093% | 2,551 |
| Net loans and leases to deposits | 64.6154% | 2,937 |
| Net loans and leases to core deposits | 68.6159% | 2,904 |
| Total domestic deposits to total assets | 91.1691% | 317 |
| Equity capital to assets | 7.8624% | 4,594 |
| Core capital (leverage) ratio | 8.1096% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0302% | 1,618 |
| Memoranda: | ||
| Average total assets | $65,083,000 | 4,477 |
| Average earning assets | $61,802,000 | 4,449 |
| Average equity | $5,098,333 | 4,717 |
| Average total loans | $39,386,667 | 4,295 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9825% | 367 |
| Cost of funding earning assets | 0.3425% | 2,592 |
| Net interest margin | 4.6400% | 296 |
| Noninterest income to average assets | 0.7252% | 1,786 |
| Noninterest expense to average assets | 4.0969% | 266 |
| Loan and lease loss provision to assets | 0.2545% | 407 |
| Net operating income to assets | 0.6171% | 3,898 |
| Return on assets (ROA) | 0.6171% | 3,960 |
| Pretax return on assets | 0.7698% | 3,865 |
| Return on Equity (ROE) | 7.8934% | 3,361 |
| Retained earnings to average equity (ytd only) | 7.8934% | 2,282 |
| Net charge-offs to loans | 0.3547% | 239 |
| Credit loss provision to net charge-offs | 117.6471% | 1,051 |
| Earnings coverage of net charge-offs (x) | 4.7353% | 1,713 |
| Efficiency ratio | 80.0000% | 822 |
| Assets per employee ($millions) | 2.7540% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,717 |
| Loan loss allowance to noncurrent loans | 227.8539% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 2,481 |
| Noncurrent loans to loans | 0.5443% | 2,226 |
| Net loans and leases to total assets | 60.1201% | 2,532 |
| Net loans and leases to deposits | 65.5899% | 2,965 |
| Net loans and leases to core deposits | 70.8754% | 2,795 |
| Total domestic deposits to total assets | 91.6606% | 205 |
| Equity capital to assets | 7.4710% | 4,719 |
| Core capital (leverage) ratio | 7.8006% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9390% | 1,912 |
| Memoranda: | ||
| Average total assets | $62,877,000 | 4,521 |
| Average earning assets | $59,569,000 | 4,494 |
| Average equity | $4,915,500 | 4,756 |
| Average total loans | $38,339,000 | 4,334 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 160 |
| Cost of funding earning assets | 0.4625% | 3,201 |
| Net interest margin | 5.1291% | 103 |
| Noninterest income to average assets | 0.6253% | 2,118 |
| Noninterest expense to average assets | 4.8072% | 210 |
| Loan and lease loss provision to assets | 0.1691% | 2,271 |
| Net operating income to assets | 0.3808% | 4,283 |
| Return on assets (ROA) | 0.5848% | 3,905 |
| Pretax return on assets | 0.7257% | 3,823 |
| Return on Equity (ROE) | 6.9436% | 3,225 |
| Retained earnings to average equity (ytd only) | 6.9436% | 1,417 |
| Net charge-offs to loans | 0.0917% | 1,536 |
| Credit loss provision to net charge-offs | 300.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 11.4063% | 2,403 |
| Efficiency ratio | 88.2030% | 435 |
| Assets per employee ($millions) | 2.4858% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,184 |
| Loan loss allowance to noncurrent loans | 238.1643% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 2,600 |
| Noncurrent loans to loans | 0.5680% | 2,280 |
| Net loans and leases to total assets | 60.2585% | 2,828 |
| Net loans and leases to deposits | 66.3400% | 3,237 |
| Net loans and leases to core deposits | 72.3728% | 3,042 |
| Total domestic deposits to total assets | 90.8327% | 265 |
| Equity capital to assets | 8.2017% | 4,624 |
| Core capital (leverage) ratio | 7.8906% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1230% | 1,816 |
| Memoranda: | ||
| Average total assets | $56,769,000 | 4,559 |
| Average earning assets | $53,401,400 | 4,535 |
| Average equity | $4,781,400 | 4,777 |
| Average total loans | $34,906,000 | 4,408 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6780% | 158 |
| Cost of funding earning assets | 0.4888% | 3,298 |
| Net interest margin | 5.1892% | 106 |
| Noninterest income to average assets | 0.5852% | 2,231 |
| Noninterest expense to average assets | 4.6460% | 229 |
| Loan and lease loss provision to assets | 0.1713% | 2,282 |
| Net operating income to assets | 0.5495% | 3,910 |
| Return on assets (ROA) | 0.5495% | 4,002 |
| Pretax return on assets | 0.6423% | 4,025 |
| Return on Equity (ROE) | 6.4793% | 3,379 |
| Retained earnings to average equity (ytd only) | 6.4793% | 1,891 |
| Net charge-offs to loans | 0.1197% | 1,169 |
| Credit loss provision to net charge-offs | 232.2581% | 1,991 |
| Earnings coverage of net charge-offs (x) | 11.0323% | 2,321 |
| Efficiency ratio | 85.0980% | 555 |
| Assets per employee ($millions) | 2.5212% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 2,213 |
| Loan loss allowance to noncurrent loans | 116.0494% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 1,722 |
| Noncurrent loans to loans | 1.1085% | 1,361 |
| Net loans and leases to total assets | 59.6037% | 3,265 |
| Net loans and leases to deposits | 65.6659% | 3,646 |
| Net loans and leases to core deposits | 71.2072% | 3,543 |
| Total domestic deposits to total assets | 90.7682% | 218 |
| Equity capital to assets | 8.2105% | 4,632 |
| Core capital (leverage) ratio | 7.9658% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8007% | 1,891 |
| Memoranda: | ||
| Average total assets | $56,046,750 | 4,582 |
| Average earning assets | $52,646,750 | 4,565 |
| Average equity | $4,753,500 | 4,804 |
| Average total loans | $34,522,000 | 4,449 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8837% | 166 |
| Cost of funding earning assets | 0.5167% | 3,430 |
| Net interest margin | 5.3669% | 104 |
| Noninterest income to average assets | 0.7405% | 1,613 |
| Noninterest expense to average assets | 4.8351% | 207 |
| Loan and lease loss provision to assets | 0.1760% | 2,258 |
| Net operating income to assets | 0.6122% | 3,698 |
| Return on assets (ROA) | 0.6122% | 3,777 |
| Pretax return on assets | 0.7551% | 3,726 |
| Return on Equity (ROE) | 7.1337% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.1337% | 1,605 |
| Net charge-offs to loans | 0.0709% | 1,539 |
| Credit loss provision to net charge-offs | 400.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 21.1667% | 1,663 |
| Efficiency ratio | 83.8525% | 650 |
| Assets per employee ($millions) | 2.4407% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 1,794 |
| Loan loss allowance to noncurrent loans | 203.9474% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 1,888 |
| Noncurrent loans to loans | 0.6600% | 2,214 |
| Net loans and leases to total assets | 58.1798% | 3,497 |
| Net loans and leases to deposits | 64.1711% | 3,868 |
| Net loans and leases to core deposits | 69.7703% | 3,726 |
| Total domestic deposits to total assets | 90.6636% | 234 |
| Equity capital to assets | 8.3753% | 4,548 |
| Core capital (leverage) ratio | 8.1756% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4468% | 1,647 |
| Memoranda: | ||
| Average total assets | $54,559,667 | 4,624 |
| Average earning assets | $51,090,667 | 4,602 |
| Average equity | $4,682,000 | 4,837 |
| Average total loans | $33,851,000 | 4,483 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9180% | 178 |
| Cost of funding earning assets | 0.5380% | 3,758 |
| Net interest margin | 5.3800% | 108 |
| Noninterest income to average assets | 0.7764% | 1,378 |
| Noninterest expense to average assets | 4.8258% | 246 |
| Loan and lease loss provision to assets | 0.1827% | 1,637 |
| Net operating income to assets | 0.6546% | 3,437 |
| Return on assets (ROA) | 0.6546% | 3,495 |
| Pretax return on assets | 0.7916% | 3,432 |
| Return on Equity (ROE) | 7.5274% | 2,724 |
| Retained earnings to average equity (ytd only) | 7.5274% | 1,370 |
| Net charge-offs to loans | 0.0955% | 1,114 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,543 |
| Efficiency ratio | 83.2021% | 888 |
| Assets per employee ($millions) | 2.3104% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 1,998 |
| Loan loss allowance to noncurrent loans | 419.8113% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 2,560 |
| Noncurrent loans to loans | 0.3170% | 3,360 |
| Net loans and leases to total assets | 62.0881% | 3,288 |
| Net loans and leases to deposits | 68.7025% | 3,683 |
| Net loans and leases to core deposits | 75.3747% | 3,538 |
| Total domestic deposits to total assets | 90.3724% | 227 |
| Equity capital to assets | 8.6697% | 4,758 |
| Core capital (leverage) ratio | 8.7596% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5637% | 1,736 |
| Memoranda: | ||
| Average total assets | $52,551,000 | 4,675 |
| Average earning assets | $49,071,000 | 4,653 |
| Average equity | $4,570,000 | 4,886 |
| Average total loans | $33,504,000 | 4,518 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1294% | 187 |
| Cost of funding earning assets | 0.5683% | 3,782 |
| Net interest margin | 5.5610% | 109 |
| Noninterest income to average assets | 0.4022% | 3,283 |
| Noninterest expense to average assets | 4.7508% | 251 |
| Loan and lease loss provision to assets | 0.1914% | 1,069 |
| Net operating income to assets | 0.5221% | 4,353 |
| Return on assets (ROA) | 0.5221% | 4,403 |
| Pretax return on assets | 0.6439% | 4,340 |
| Return on Equity (ROE) | 6.1372% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.4097% | 2,756 |
| Net charge-offs to loans | 0.1006% | 1,721 |
| Credit loss provision to net charge-offs | 309.3750% | 896 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 2,357 |
| Efficiency ratio | 85.0467% | 599 |
| Assets per employee ($millions) | 2.2593% | 5,055 |
| Cash dividends to net income (ytd only)* | 28.1481% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,034 |
| Loan loss allowance to noncurrent loans | 264.8148% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 2,096 |
| Noncurrent loans to loans | 0.4826% | 2,740 |
| Net loans and leases to total assets | 63.7781% | 3,229 |
| Net loans and leases to deposits | 70.5593% | 3,624 |
| Net loans and leases to core deposits | 76.9236% | 3,519 |
| Total domestic deposits to total assets | 90.3893% | 217 |
| Equity capital to assets | 8.7235% | 4,815 |
| Core capital (leverage) ratio | 8.3556% | 4,925 |
| Tier 1 risk-based capital ratio | 14.0133% | 3,268 |
| Total risk-based capital ratio | 15.2638% | 3,175 |
| Memoranda: | ||
| Average total assets | $51,717,400 | 4,726 |
| Average earning assets | $48,210,400 | 4,706 |
| Average equity | $4,399,400 | 4,952 |
| Average total loans | $31,821,600 | 4,604 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0039% | 235 |
| Cost of funding earning assets | 0.5649% | 3,844 |
| Net interest margin | 5.4390% | 134 |
| Noninterest income to average assets | 0.2633% | 4,164 |
| Noninterest expense to average assets | 4.5892% | 278 |
| Loan and lease loss provision to assets | 0.2039% | 864 |
| Net operating income to assets | 0.4104% | 4,702 |
| Return on assets (ROA) | 0.4104% | 4,730 |
| Pretax return on assets | 0.5395% | 4,637 |
| Return on Equity (ROE) | 4.8555% | 4,365 |
| Retained earnings to average equity (ytd only) | 4.8555% | 2,958 |
| Net charge-offs to loans | 0.1317% | 1,207 |
| Credit loss provision to net charge-offs | 254.8387% | 1,077 |
| Earnings coverage of net charge-offs (x) | 9.2908% | 2,583 |
| Efficiency ratio | 86.0600% | 496 |
| Assets per employee ($millions) | 2.3739% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,572 |
| Loan loss allowance to noncurrent loans | 232.9545% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 2,213 |
| Noncurrent loans to loans | 0.5097% | 2,766 |
| Net loans and leases to total assets | 62.4865% | 3,444 |
| Net loans and leases to deposits | 68.9399% | 3,844 |
| Net loans and leases to core deposits | 75.6693% | 3,720 |
| Total domestic deposits to total assets | 90.6390% | 146 |
| Equity capital to assets | 8.3133% | 5,061 |
| Core capital (leverage) ratio | 8.3033% | 5,029 |
| Tier 1 risk-based capital ratio | 13.7891% | 3,428 |
| Total risk-based capital ratio | 15.0384% | 3,338 |
| Memoranda: | ||
| Average total assets | $51,656,000 | 4,791 |
| Average earning assets | $48,145,000 | 4,773 |
| Average equity | $4,366,000 | 5,025 |
| Average total loans | $31,384,500 | 4,677 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9501% | 258 |
| Cost of funding earning assets | 0.5610% | 3,832 |
| Net interest margin | 5.3891% | 153 |
| Noninterest income to average assets | 0.3828% | 3,383 |
| Noninterest expense to average assets | 4.7755% | 250 |
| Loan and lease loss provision to assets | 0.1737% | 1,043 |
| Net operating income to assets | 0.3394% | 4,821 |
| Return on assets (ROA) | 0.3394% | 4,834 |
| Pretax return on assets | 0.4381% | 4,776 |
| Return on Equity (ROE) | 3.9923% | 4,585 |
| Retained earnings to average equity (ytd only) | 3.9923% | 3,252 |
| Net charge-offs to loans | 0.1121% | 1,297 |
| Credit loss provision to net charge-offs | 258.8235% | 993 |
| Earnings coverage of net charge-offs (x) | 9.1176% | 2,357 |
| Efficiency ratio | 88.6447% | 408 |
| Assets per employee ($millions) | 2.3728% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,573 |
| Loan loss allowance to noncurrent loans | 135.0694% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 1.3793% | 876 |
| Noncurrent loans to loans | 0.8822% | 1,843 |
| Net loans and leases to total assets | 61.7938% | 3,567 |
| Net loans and leases to deposits | 68.3020% | 3,948 |
| Net loans and leases to core deposits | 75.3000% | 3,788 |
| Total domestic deposits to total assets | 90.4714% | 198 |
| Equity capital to assets | 8.5439% | 5,022 |
| Core capital (leverage) ratio | 8.5695% | 4,931 |
| Tier 1 risk-based capital ratio | 14.3853% | 3,125 |
| Total risk-based capital ratio | 15.6350% | 3,042 |
| Memoranda: | ||
| Average total assets | $50,675,000 | 4,835 |
| Average earning assets | $47,058,330 | 4,831 |
| Average equity | $4,308,330 | 5,069 |
| Average total loans | $30,337,000 | 4,728 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8895% | 266 |
| Cost of funding earning assets | 0.5621% | 3,774 |
| Net interest margin | 5.3273% | 167 |
| Noninterest income to average assets | -0.0160% | 5,329 |
| Noninterest expense to average assets | 4.4478% | 307 |
| Loan and lease loss provision to assets | 0.1763% | 949 |
| Net operating income to assets | 0.2404% | 4,973 |
| Return on assets (ROA) | 0.2404% | 4,977 |
| Pretax return on assets | 0.2965% | 4,963 |
| Return on Equity (ROE) | 2.8352% | 4,823 |
| Retained earnings to average equity (ytd only) | 2.8352% | 3,804 |
| Net charge-offs to loans | 0.1645% | 826 |
| Credit loss provision to net charge-offs | 183.3333% | 1,104 |
| Earnings coverage of net charge-offs (x) | 4.9167% | 2,298 |
| Efficiency ratio | 90.3909% | 378 |
| Assets per employee ($millions) | 2.3209% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,315 |
| Loan loss allowance to noncurrent loans | 476.9231% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9988% | 1,400 |
| Noncurrent loans to loans | 0.2625% | 3,624 |
| Net loans and leases to total assets | 57.4727% | 3,943 |
| Net loans and leases to deposits | 63.3856% | 4,221 |
| Net loans and leases to core deposits | 71.3313% | 3,989 |
| Total domestic deposits to total assets | 90.6716% | 238 |
| Equity capital to assets | 8.4197% | 5,030 |
| Core capital (leverage) ratio | 8.7267% | 4,846 |
| Tier 1 risk-based capital ratio | 15.3278% | 2,741 |
| Total risk-based capital ratio | 16.5778% | 2,651 |
| Memoranda: | ||
| Average total assets | $49,912,000 | 4,898 |
| Average earning assets | $46,252,000 | 4,900 |
| Average equity | $4,232,500 | 5,118 |
| Average total loans | $29,182,500 | 4,808 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7498% | 255 |
| Cost of funding earning assets | 0.4793% | 3,490 |
| Net interest margin | 5.2704% | 169 |
| Noninterest income to average assets | 0.6874% | 1,894 |
| Noninterest expense to average assets | 4.9518% | 212 |
| Loan and lease loss provision to assets | 0.1293% | 1,704 |
| Net operating income to assets | 0.3620% | 4,920 |
| Return on assets (ROA) | 0.3620% | 4,915 |
| Pretax return on assets | 0.4396% | 4,891 |
| Return on Equity (ROE) | 4.0539% | 4,699 |
| Retained earnings to average equity (ytd only) | 2.1958% | 4,279 |
| Net charge-offs to loans | 0.1932% | 995 |
| Credit loss provision to net charge-offs | 113.2075% | 2,287 |
| Earnings coverage of net charge-offs (x) | 4.9811% | 3,237 |
| Efficiency ratio | 89.6956% | 358 |
| Assets per employee ($millions) | 2.2166% | 5,278 |
| Cash dividends to net income (ytd only)* | 45.8333% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,230 |
| Loan loss allowance to noncurrent loans | 103.7249% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 2.0117% | 477 |
| Noncurrent loans to loans | 1.2182% | 1,309 |
| Net loans and leases to total assets | 58.0047% | 3,960 |
| Net loans and leases to deposits | 64.0491% | 4,255 |
| Net loans and leases to core deposits | 72.4892% | 3,957 |
| Total domestic deposits to total assets | 90.5629% | 307 |
| Equity capital to assets | 8.5430% | 4,906 |
| Core capital (leverage) ratio | 8.9438% | 4,701 |
| Tier 1 risk-based capital ratio | 15.5660% | 2,587 |
| Total risk-based capital ratio | 16.8153% | 2,513 |
| Memoranda: | ||
| Average total assets | $46,407,200 | 5,007 |
| Average earning assets | $42,558,200 | 5,001 |
| Average equity | $4,144,200 | 5,159 |
| Average total loans | $27,432,000 | 4,879 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7328% | 248 |
| Cost of funding earning assets | 0.4579% | 3,471 |
| Net interest margin | 5.2750% | 156 |
| Noninterest income to average assets | 0.7944% | 1,491 |
| Noninterest expense to average assets | 4.8423% | 226 |
| Loan and lease loss provision to assets | 0.1310% | 1,541 |
| Net operating income to assets | 0.5325% | 4,693 |
| Return on assets (ROA) | 0.5325% | 4,695 |
| Pretax return on assets | 0.6489% | 4,638 |
| Return on Equity (ROE) | 5.8953% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.8953% | 2,708 |
| Net charge-offs to loans | 0.1524% | 1,081 |
| Credit loss provision to net charge-offs | 145.1613% | 1,757 |
| Earnings coverage of net charge-offs (x) | 8.6455% | 2,684 |
| Efficiency ratio | 86.1284% | 506 |
| Assets per employee ($millions) | 2.1461% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,242 |
| Loan loss allowance to noncurrent loans | 82.9213% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 2.7979% | 282 |
| Noncurrent loans to loans | 1.5347% | 1,047 |
| Net loans and leases to total assets | 60.6324% | 3,783 |
| Net loans and leases to deposits | 67.2864% | 4,104 |
| Net loans and leases to core deposits | 75.5071% | 3,837 |
| Total domestic deposits to total assets | 90.1110% | 473 |
| Equity capital to assets | 8.8067% | 4,717 |
| Core capital (leverage) ratio | 9.2729% | 4,432 |
| Tier 1 risk-based capital ratio | 15.4673% | 2,665 |
| Total risk-based capital ratio | 16.7246% | 2,593 |
| Memoranda: | ||
| Average total assets | $45,817,750 | 5,076 |
| Average earning assets | $41,932,750 | 5,078 |
| Average equity | $4,138,750 | 5,225 |
| Average total loans | $27,128,000 | 4,941 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6062% | 274 |
| Cost of funding earning assets | 0.4431% | 3,399 |
| Net interest margin | 5.1631% | 184 |
| Noninterest income to average assets | 0.8247% | 1,406 |
| Noninterest expense to average assets | 4.9964% | 214 |
| Loan and lease loss provision to assets | 0.1323% | 1,494 |
| Net operating income to assets | 0.3263% | 5,085 |
| Return on assets (ROA) | 0.3263% | 5,080 |
| Pretax return on assets | 0.4234% | 5,020 |
| Return on Equity (ROE) | 3.5815% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.5815% | 3,808 |
| Net charge-offs to loans | 0.0905% | 1,443 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,324 |
| Efficiency ratio | 89.9921% | 369 |
| Assets per employee ($millions) | 2.2105% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 1,657 |
| Loan loss allowance to noncurrent loans | 85.9447% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 2.8220% | 276 |
| Noncurrent loans to loans | 1.6611% | 962 |
| Net loans and leases to total assets | 55.4792% | 4,204 |
| Net loans and leases to deposits | 61.4742% | 4,453 |
| Net loans and leases to core deposits | 68.3094% | 4,237 |
| Total domestic deposits to total assets | 90.2479% | 485 |
| Equity capital to assets | 8.8021% | 4,716 |
| Core capital (leverage) ratio | 9.2380% | 4,428 |
| Tier 1 risk-based capital ratio | 16.4320% | 2,276 |
| Total risk-based capital ratio | 17.6833% | 2,222 |
| Memoranda: | ||
| Average total assets | $45,352,330 | 5,145 |
| Average earning assets | $41,525,330 | 5,141 |
| Average equity | $4,132,330 | 5,283 |
| Average total loans | $26,505,330 | 5,010 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 316 |
| Cost of funding earning assets | 0.4386% | 3,301 |
| Net interest margin | 4.9901% | 230 |
| Noninterest income to average assets | 0.8479% | 1,308 |
| Noninterest expense to average assets | 4.7213% | 258 |
| Loan and lease loss provision to assets | 0.1339% | 1,409 |
| Net operating income to assets | 0.4552% | 4,801 |
| Return on assets (ROA) | 0.4552% | 4,805 |
| Pretax return on assets | 0.5623% | 4,763 |
| Return on Equity (ROE) | 4.9092% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.9092% | 3,224 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1499% | 576 |
| Assets per employee ($millions) | 2.4417% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 1,924 |
| Loan loss allowance to noncurrent loans | 106.3218% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 2.6729% | 331 |
| Noncurrent loans to loans | 1.2961% | 1,386 |
| Net loans and leases to total assets | 57.0788% | 4,026 |
| Net loans and leases to deposits | 63.1830% | 4,264 |
| Net loans and leases to core deposits | 70.1922% | 4,073 |
| Total domestic deposits to total assets | 90.3389% | 528 |
| Equity capital to assets | 8.8183% | 4,724 |
| Core capital (leverage) ratio | 9.4397% | 4,138 |
| Tier 1 risk-based capital ratio | 16.1860% | 2,393 |
| Total risk-based capital ratio | 17.4404% | 2,346 |
| Memoranda: | ||
| Average total assets | $44,818,000 | 5,210 |
| Average earning assets | $41,041,500 | 5,210 |
| Average equity | $4,155,500 | 5,338 |
| Average total loans | $26,694,500 | 5,056 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5490% | 249 |
| Cost of funding earning assets | 0.3792% | 3,429 |
| Net interest margin | 5.1697% | 175 |
| Noninterest income to average assets | 0.7907% | 1,604 |
| Noninterest expense to average assets | 4.6372% | 282 |
| Loan and lease loss provision to assets | 0.1363% | 1,679 |
| Net operating income to assets | 0.5021% | 4,372 |
| Return on assets (ROA) | 0.5021% | 4,407 |
| Pretax return on assets | 0.7248% | 4,449 |
| Return on Equity (ROE) | 5.2828% | 4,052 |
| Retained earnings to average equity (ytd only) | 3.8246% | 2,927 |
| Net charge-offs to loans | -0.0273% | 5,037 |
| Credit loss provision to net charge-offs | -857.1429% | 5,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3388% | 744 |
| Assets per employee ($millions) | 2.2760% | 5,520 |
| Cash dividends to net income (ytd only)* | 27.6018% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 2,038 |
| Loan loss allowance to noncurrent loans | 89.4207% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 3.0016% | 269 |
| Noncurrent loans to loans | 1.4959% | 1,137 |
| Net loans and leases to total assets | 60.5494% | 3,779 |
| Net loans and leases to deposits | 67.6170% | 4,053 |
| Net loans and leases to core deposits | 75.2479% | 3,799 |
| Total domestic deposits to total assets | 89.5477% | 752 |
| Equity capital to assets | 9.7586% | 3,956 |
| Core capital (leverage) ratio | 9.4851% | 4,072 |
| Tier 1 risk-based capital ratio | 16.1866% | 2,364 |
| Total risk-based capital ratio | 17.4408% | 2,301 |
| Memoranda: | ||
| Average total assets | $44,013,400 | 5,273 |
| Average earning assets | $40,079,600 | 5,272 |
| Average equity | $4,183,400 | 5,397 |
| Average total loans | $25,632,800 | 5,140 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4827% | 258 |
| Cost of funding earning assets | 0.3746% | 3,423 |
| Net interest margin | 5.1081% | 186 |
| Noninterest income to average assets | 0.7842% | 1,638 |
| Noninterest expense to average assets | 4.4759% | 321 |
| Loan and lease loss provision to assets | 0.1357% | 1,589 |
| Net operating income to assets | 0.8204% | 3,436 |
| Return on assets (ROA) | 0.8204% | 3,478 |
| Pretax return on assets | 0.8204% | 4,298 |
| Return on Equity (ROE) | 8.6880% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.6880% | 950 |
| Net charge-offs to loans | 0.0577% | 2,301 |
| Credit loss provision to net charge-offs | 409.0909% | 757 |
| Earnings coverage of net charge-offs (x) | 28.8112% | 1,597 |
| Efficiency ratio | 82.3987% | 884 |
| Assets per employee ($millions) | 2.6502% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,848 |
| Loan loss allowance to noncurrent loans | 147.7064% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 2.4837% | 433 |
| Noncurrent loans to loans | 0.8215% | 2,313 |
| Net loans and leases to total assets | 58.1892% | 4,041 |
| Net loans and leases to deposits | 65.0424% | 4,319 |
| Net loans and leases to core deposits | 70.1263% | 4,237 |
| Total domestic deposits to total assets | 89.4635% | 669 |
| Equity capital to assets | 9.6153% | 4,330 |
| Core capital (leverage) ratio | 9.3833% | 4,311 |
| Tier 1 risk-based capital ratio | 16.4212% | 2,346 |
| Total risk-based capital ratio | 17.6531% | 2,303 |
| Memoranda: | ||
| Average total assets | $44,205,750 | 5,326 |
| Average earning assets | $40,222,500 | 5,324 |
| Average equity | $4,174,250 | 5,458 |
| Average total loans | $25,406,250 | 5,198 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 256 |
| Cost of funding earning assets | 0.3760% | 3,326 |
| Net interest margin | 5.0940% | 193 |
| Noninterest income to average assets | 0.7012% | 1,986 |
| Noninterest expense to average assets | 4.6262% | 282 |
| Loan and lease loss provision to assets | 0.1366% | 1,517 |
| Net operating income to assets | 0.5646% | 4,450 |
| Return on assets (ROA) | 0.5646% | 4,502 |
| Pretax return on assets | 0.5646% | 4,873 |
| Return on Equity (ROE) | 6.0170% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.0170% | 2,106 |
| Net charge-offs to loans | -0.0080% | 4,464 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8376% | 618 |
| Assets per employee ($millions) | 2.7969% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 2,656 |
| Loan loss allowance to noncurrent loans | 141.1504% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 2.5184% | 428 |
| Noncurrent loans to loans | 0.8890% | 2,197 |
| Net loans and leases to total assets | 56.0939% | 4,218 |
| Net loans and leases to deposits | 62.3730% | 4,479 |
| Net loans and leases to core deposits | 68.1656% | 4,339 |
| Total domestic deposits to total assets | 89.9330% | 558 |
| Equity capital to assets | 9.3497% | 4,566 |
| Core capital (leverage) ratio | 9.2189% | 4,468 |
| Tier 1 risk-based capital ratio | 16.5034% | 2,323 |
| Total risk-based capital ratio | 17.7539% | 2,269 |
| Memoranda: | ||
| Average total assets | $43,923,330 | 5,371 |
| Average earning assets | $39,890,330 | 5,375 |
| Average equity | $4,121,670 | 5,506 |
| Average total loans | $25,029,000 | 5,247 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 272 |
| Cost of funding earning assets | 0.3859% | 3,129 |
| Net interest margin | 5.0168% | 223 |
| Noninterest income to average assets | 0.5608% | 2,605 |
| Noninterest expense to average assets | 4.4036% | 357 |
| Loan and lease loss provision to assets | 0.1379% | 1,380 |
| Net operating income to assets | 0.5608% | 4,323 |
| Return on assets (ROA) | 0.5608% | 4,371 |
| Pretax return on assets | 0.5608% | 4,816 |
| Return on Equity (ROE) | 5.9650% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.9650% | 2,361 |
| Net charge-offs to loans | 0.0483% | 1,886 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,335 |
| Efficiency ratio | 86.3063% | 783 |
| Assets per employee ($millions) | 2.7619% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 3,190 |
| Loan loss allowance to noncurrent loans | 132.7434% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 2.8151% | 372 |
| Noncurrent loans to loans | 0.8973% | 2,233 |
| Net loans and leases to total assets | 56.3169% | 4,138 |
| Net loans and leases to deposits | 62.5302% | 4,403 |
| Net loans and leases to core deposits | 68.3953% | 4,266 |
| Total domestic deposits to total assets | 90.0636% | 630 |
| Equity capital to assets | 9.3254% | 4,477 |
| Core capital (leverage) ratio | 9.4762% | 4,140 |
| Tier 1 risk-based capital ratio | 16.5383% | 2,343 |
| Total risk-based capital ratio | 17.7541% | 2,306 |
| Memoranda: | ||
| Average total assets | $43,510,000 | 5,433 |
| Average earning assets | $39,387,500 | 5,444 |
| Average equity | $4,090,500 | 5,567 |
| Average total loans | $24,833,000 | 5,304 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4016% | 291 |
| Cost of funding earning assets | 0.4181% | 2,827 |
| Net interest margin | 4.9834% | 257 |
| Noninterest income to average assets | -0.8312% | 5,906 |
| Noninterest expense to average assets | 4.7131% | 312 |
| Loan and lease loss provision to assets | 0.9917% | 103 |
| Net operating income to assets | -1.4876% | 5,861 |
| Return on assets (ROA) | -1.4876% | 5,863 |
| Pretax return on assets | -2.0614% | 5,876 |
| Return on Equity (ROE) | -14.3501% | 5,860 |
| Retained earnings to average equity (ytd only) | -14.3501% | 5,824 |
| Net charge-offs to loans | 1.6914% | 83 |
| Credit loss provision to net charge-offs | 100.4785% | 2,551 |
| Earnings coverage of net charge-offs (x) | -1.0837% | 4,172 |
| Efficiency ratio | 129.3584% | 59 |
| Assets per employee ($millions) | 2.5194% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 3,267 |
| Loan loss allowance to noncurrent loans | 132.1101% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 3.5093% | 248 |
| Noncurrent loans to loans | 0.8906% | 2,316 |
| Net loans and leases to total assets | 56.4828% | 4,219 |
| Net loans and leases to deposits | 62.7800% | 4,486 |
| Net loans and leases to core deposits | 68.8614% | 4,335 |
| Total domestic deposits to total assets | 89.9694% | 640 |
| Equity capital to assets | 9.4796% | 4,290 |
| Core capital (leverage) ratio | 9.1532% | 4,544 |
| Tier 1 risk-based capital ratio | 16.3421% | 2,408 |
| Total risk-based capital ratio | 17.5129% | 2,383 |
| Memoranda: | ||
| Average total assets | $42,350,200 | 5,505 |
| Average earning assets | $38,026,000 | 5,508 |
| Average equity | $4,390,200 | 5,574 |
| Average total loans | $24,713,200 | 5,365 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3890% | 303 |
| Cost of funding earning assets | 0.4186% | 2,854 |
| Net interest margin | 4.9704% | 266 |
| Noninterest income to average assets | -1.3734% | 5,978 |
| Noninterest expense to average assets | 4.5906% | 355 |
| Loan and lease loss provision to assets | 1.3260% | 67 |
| Net operating income to assets | -2.8604% | 5,962 |
| Return on assets (ROA) | -2.8604% | 5,962 |
| Pretax return on assets | -2.8289% | 5,962 |
| Return on Equity (ROE) | -27.0073% | 5,953 |
| Retained earnings to average equity (ytd only) | -27.0073% | 5,936 |
| Net charge-offs to loans | 2.2175% | 55 |
| Credit loss provision to net charge-offs | 101.9417% | 2,312 |
| Earnings coverage of net charge-offs (x) | -1.1553% | 3,857 |
| Efficiency ratio | 148.6708% | 37 |
| Assets per employee ($millions) | 2.5824% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 3,164 |
| Loan loss allowance to noncurrent loans | 105.3763% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 3.6286% | 261 |
| Noncurrent loans to loans | 1.1502% | 1,952 |
| Net loans and leases to total assets | 54.5819% | 4,440 |
| Net loans and leases to deposits | 60.3060% | 4,738 |
| Net loans and leases to core deposits | 66.4393% | 4,577 |
| Total domestic deposits to total assets | 90.5082% | 317 |
| Equity capital to assets | 8.6194% | 5,458 |
| Core capital (leverage) ratio | 8.6709% | 5,185 |
| Tier 1 risk-based capital ratio | 15.6267% | 2,777 |
| Total risk-based capital ratio | 16.8408% | 2,727 |
| Memoranda: | ||
| Average total assets | $42,230,500 | 5,558 |
| Average earning assets | $37,903,750 | 5,567 |
| Average equity | $4,472,750 | 5,621 |
| Average total loans | $24,771,750 | 5,412 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4644% | 269 |
| Cost of funding earning assets | 0.4241% | 2,791 |
| Net interest margin | 5.0403% | 238 |
| Noninterest income to average assets | 0.1728% | 5,459 |
| Noninterest expense to average assets | 4.5016% | 388 |
| Loan and lease loss provision to assets | 0.2400% | 822 |
| Net operating income to assets | -0.0912% | 5,810 |
| Return on assets (ROA) | -0.0912% | 5,827 |
| Pretax return on assets | -0.0624% | 5,814 |
| Return on Equity (ROE) | -0.8081% | 5,829 |
| Retained earnings to average equity (ytd only) | -0.8081% | 5,414 |
| Net charge-offs to loans | 0.1684% | 1,331 |
| Credit loss provision to net charge-offs | 238.0952% | 1,147 |
| Earnings coverage of net charge-offs (x) | 1.7619% | 3,367 |
| Efficiency ratio | 96.2051% | 337 |
| Assets per employee ($millions) | 2.6907% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 3,050 |
| Loan loss allowance to noncurrent loans | 35.3933% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 5.2937% | 134 |
| Noncurrent loans to loans | 3.5434% | 372 |
| Net loans and leases to total assets | 57.6107% | 4,154 |
| Net loans and leases to deposits | 65.2101% | 4,400 |
| Net loans and leases to core deposits | 70.5665% | 4,288 |
| Total domestic deposits to total assets | 88.3464% | 1,251 |
| Equity capital to assets | 10.8499% | 3,236 |
| Core capital (leverage) ratio | 11.0787% | 2,352 |
| Tier 1 risk-based capital ratio | 18.6133% | 1,774 |
| Total risk-based capital ratio | 19.8685% | 1,739 |
| Memoranda: | ||
| Average total assets | $41,673,670 | 5,630 |
| Average earning assets | $37,259,330 | 5,642 |
| Average equity | $4,702,330 | 5,642 |
| Average total loans | $24,943,670 | 5,463 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5082% | 256 |
| Cost of funding earning assets | 0.4279% | 2,784 |
| Net interest margin | 5.0802% | 214 |
| Noninterest income to average assets | 0.8198% | 1,558 |
| Noninterest expense to average assets | 4.5480% | 376 |
| Loan and lease loss provision to assets | 0.2440% | 730 |
| Net operating income to assets | 0.5465% | 4,438 |
| Return on assets (ROA) | 0.5465% | 4,542 |
| Pretax return on assets | 0.5465% | 4,960 |
| Return on Equity (ROE) | 4.7478% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.7478% | 3,091 |
| Net charge-offs to loans | 0.1448% | 1,245 |
| Credit loss provision to net charge-offs | 277.7778% | 893 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,015 |
| Efficiency ratio | 85.1920% | 1,048 |
| Assets per employee ($millions) | 2.5860% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 3,406 |
| Loan loss allowance to noncurrent loans | 29.7830% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 6.7696% | 93 |
| Noncurrent loans to loans | 4.0703% | 295 |
| Net loans and leases to total assets | 59.4789% | 3,852 |
| Net loans and leases to deposits | 67.6992% | 4,090 |
| Net loans and leases to core deposits | 73.0722% | 3,972 |
| Total domestic deposits to total assets | 87.8577% | 1,721 |
| Equity capital to assets | 11.4704% | 2,467 |
| Core capital (leverage) ratio | 11.4926% | 1,976 |
| Tier 1 risk-based capital ratio | 19.0038% | 1,740 |
| Total risk-based capital ratio | 20.2130% | 1,709 |
| Memoranda: | ||
| Average total assets | $40,985,000 | 5,694 |
| Average earning assets | $36,455,000 | 5,715 |
| Average equity | $4,718,000 | 5,675 |
| Average total loans | $24,857,000 | 5,515 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6366% | 220 |
| Cost of funding earning assets | 0.4555% | 2,572 |
| Net interest margin | 5.1810% | 192 |
| Noninterest income to average assets | 0.7199% | 2,103 |
| Noninterest expense to average assets | 4.5256% | 404 |
| Loan and lease loss provision to assets | 0.5494% | 204 |
| Net operating income to assets | 0.1160% | 5,733 |
| Return on assets (ROA) | 0.1160% | 5,775 |
| Pretax return on assets | 0.1160% | 5,782 |
| Return on Equity (ROE) | 1.0348% | 5,763 |
| Retained earnings to average equity (ytd only) | -0.0422% | 5,521 |
| Net charge-offs to loans | 1.0592% | 183 |
| Credit loss provision to net charge-offs | 85.9259% | 2,835 |
| Earnings coverage of net charge-offs (x) | 1.0407% | 4,148 |
| Efficiency ratio | 87.1807% | 893 |
| Assets per employee ($millions) | 2.5371% | 5,873 |
| Cash dividends to net income (ytd only)* | 104.0816% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 3,737 |
| Loan loss allowance to noncurrent loans | 31.1208% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 6.4517% | 122 |
| Noncurrent loans to loans | 3.7053% | 353 |
| Net loans and leases to total assets | 60.3932% | 3,780 |
| Net loans and leases to deposits | 68.7339% | 4,056 |
| Net loans and leases to core deposits | 74.2482% | 3,913 |
| Total domestic deposits to total assets | 87.8652% | 1,708 |
| Equity capital to assets | 11.5534% | 2,316 |
| Core capital (leverage) ratio | 11.2656% | 2,147 |
| Tier 1 risk-based capital ratio | 18.8316% | 1,739 |
| Total risk-based capital ratio | 19.9799% | 1,724 |
| Memoranda: | ||
| Average total assets | $42,226,400 | 5,722 |
| Average earning assets | $36,440,600 | 5,759 |
| Average equity | $4,735,200 | 5,714 |
| Average total loans | $25,489,800 | 5,535 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6864% | 202 |
| Cost of funding earning assets | 0.4605% | 2,579 |
| Net interest margin | 5.2259% | 176 |
| Noninterest income to average assets | 0.7193% | 2,152 |
| Noninterest expense to average assets | 4.5064% | 407 |
| Loan and lease loss provision to assets | 0.2346% | 771 |
| Net operating income to assets | 0.3721% | 5,256 |
| Return on assets (ROA) | 0.3721% | 5,336 |
| Pretax return on assets | 0.4503% | 5,346 |
| Return on Equity (ROE) | 3.3427% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.3427% | 4,095 |
| Net charge-offs to loans | 0.5196% | 459 |
| Credit loss provision to net charge-offs | 75.0000% | 2,680 |
| Earnings coverage of net charge-offs (x) | 2.1900% | 3,713 |
| Efficiency ratio | 86.8072% | 949 |
| Assets per employee ($millions) | 2.6776% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 3,817 |
| Loan loss allowance to noncurrent loans | 18.1102% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 7.8219% | 86 |
| Noncurrent loans to loans | 6.4588% | 113 |
| Net loans and leases to total assets | 58.9692% | 4,017 |
| Net loans and leases to deposits | 67.0159% | 4,280 |
| Net loans and leases to core deposits | 72.1058% | 4,181 |
| Total domestic deposits to total assets | 87.9928% | 1,557 |
| Equity capital to assets | 11.2299% | 2,771 |
| Core capital (leverage) ratio | 11.0776% | 2,403 |
| Tier 1 risk-based capital ratio | 18.8106% | 1,820 |
| Total risk-based capital ratio | 19.9797% | 1,806 |
| Memoranda: | ||
| Average total assets | $42,634,500 | 5,789 |
| Average earning assets | $36,483,750 | 5,836 |
| Average equity | $4,746,500 | 5,789 |
| Average total loans | $25,661,750 | 5,592 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7641% | 174 |
| Cost of funding earning assets | 0.4808% | 2,424 |
| Net interest margin | 5.2833% | 164 |
| Noninterest income to average assets | 0.7847% | 1,847 |
| Noninterest expense to average assets | 4.4872% | 426 |
| Loan and lease loss provision to assets | 0.2349% | 779 |
| Net operating income to assets | 0.4276% | 5,046 |
| Return on assets (ROA) | 0.4276% | 5,151 |
| Pretax return on assets | 0.5028% | 5,218 |
| Return on Equity (ROE) | 3.8519% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.8519% | 3,553 |
| Net charge-offs to loans | 0.7784% | 285 |
| Credit loss provision to net charge-offs | 50.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 1.5700% | 3,490 |
| Efficiency ratio | 85.8813% | 1,067 |
| Assets per employee ($millions) | 2.7991% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 4,630 |
| Loan loss allowance to noncurrent loans | 17.2980% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 7.3440% | 112 |
| Noncurrent loans to loans | 6.0433% | 156 |
| Net loans and leases to total assets | 57.9145% | 4,112 |
| Net loans and leases to deposits | 65.3144% | 4,402 |
| Net loans and leases to core deposits | 70.9767% | 4,227 |
| Total domestic deposits to total assets | 88.6703% | 1,315 |
| Equity capital to assets | 10.6799% | 3,236 |
| Core capital (leverage) ratio | 11.0129% | 2,408 |
| Tier 1 risk-based capital ratio | 18.2258% | 2,000 |
| Total risk-based capital ratio | 19.2699% | 2,017 |
| Memoranda: | ||
| Average total assets | $42,565,670 | 5,854 |
| Average earning assets | $35,773,000 | 5,911 |
| Average equity | $4,725,000 | 5,849 |
| Average total loans | $25,695,000 | 5,644 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5306% | 245 |
| Cost of funding earning assets | 0.4887% | 2,393 |
| Net interest margin | 5.0420% | 230 |
| Noninterest income to average assets | 0.8105% | 1,672 |
| Noninterest expense to average assets | 4.8147% | 340 |
| Loan and lease loss provision to assets | 0.2412% | 698 |
| Net operating income to assets | 0.0772% | 5,920 |
| Return on assets (ROA) | 0.0772% | 5,966 |
| Pretax return on assets | 0.1351% | 5,916 |
| Return on Equity (ROE) | 0.6814% | 5,966 |
| Retained earnings to average equity (ytd only) | 0.6814% | 5,177 |
| Net charge-offs to loans | 1.3995% | 144 |
| Credit loss provision to net charge-offs | 28.0899% | 2,291 |
| Earnings coverage of net charge-offs (x) | 0.4382% | 3,056 |
| Efficiency ratio | 92.7509% | 666 |
| Assets per employee ($millions) | 2.6516% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 5,000 |
| Loan loss allowance to noncurrent loans | 39.2157% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 5.5816% | 198 |
| Noncurrent loans to loans | 2.5579% | 943 |
| Net loans and leases to total assets | 60.4832% | 3,582 |
| Net loans and leases to deposits | 68.4559% | 3,915 |
| Net loans and leases to core deposits | 74.2005% | 3,764 |
| Total domestic deposits to total assets | 88.3536% | 1,629 |
| Equity capital to assets | 11.0784% | 2,885 |
| Core capital (leverage) ratio | 11.0635% | 2,353 |
| Tier 1 risk-based capital ratio | 18.2199% | 2,078 |
| Total risk-based capital ratio | 19.2278% | 2,097 |
| Memoranda: | ||
| Average total assets | $41,456,000 | 5,929 |
| Average earning assets | $36,017,500 | 5,964 |
| Average equity | $4,696,000 | 5,907 |
| Average total loans | $25,437,000 | 5,701 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1233% | 134 |
| Cost of funding earning assets | 0.5490% | 2,211 |
| Net interest margin | 5.5743% | 117 |
| Noninterest income to average assets | 0.7954% | 1,896 |
| Noninterest expense to average assets | 4.7505% | 375 |
| Loan and lease loss provision to assets | 0.2447% | 945 |
| Net operating income to assets | 0.2961% | 5,527 |
| Return on assets (ROA) | 0.2961% | 5,599 |
| Pretax return on assets | 0.3475% | 5,604 |
| Return on Equity (ROE) | 2.5816% | 5,605 |
| Retained earnings to average equity (ytd only) | 1.5148% | 5,077 |
| Net charge-offs to loans | 0.2698% | 1,601 |
| Credit loss provision to net charge-offs | 147.0588% | 1,634 |
| Earnings coverage of net charge-offs (x) | 3.5588% | 3,862 |
| Efficiency ratio | 88.9143% | 921 |
| Assets per employee ($millions) | 2.5304% | 6,141 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 3,432 |
| Loan loss allowance to noncurrent loans | 36.0000% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 6.1896% | 188 |
| Noncurrent loans to loans | 3.6066% | 556 |
| Net loans and leases to total assets | 60.8343% | 3,665 |
| Net loans and leases to deposits | 69.2068% | 4,005 |
| Net loans and leases to core deposits | 76.4219% | 3,662 |
| Total domestic deposits to total assets | 87.9023% | 1,823 |
| Equity capital to assets | 11.5889% | 2,357 |
| Core capital (leverage) ratio | 11.3077% | 2,126 |
| Tier 1 risk-based capital ratio | 18.8222% | 1,901 |
| Total risk-based capital ratio | 20.0738% | 1,862 |
| Memoranda: | ||
| Average total assets | $40,859,200 | 6,014 |
| Average earning assets | $33,331,800 | 6,110 |
| Average equity | $4,687,000 | 5,933 |
| Average total loans | $25,202,400 | 5,773 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1683% | 132 |
| Cost of funding earning assets | 0.5502% | 2,288 |
| Net interest margin | 5.6182% | 116 |
| Noninterest income to average assets | 0.8335% | 1,762 |
| Noninterest expense to average assets | 4.6720% | 393 |
| Loan and lease loss provision to assets | 0.2442% | 894 |
| Net operating income to assets | 0.3646% | 5,384 |
| Return on assets (ROA) | 0.3646% | 5,455 |
| Pretax return on assets | 0.4721% | 5,400 |
| Return on Equity (ROE) | 3.1869% | 5,479 |
| Retained earnings to average equity (ytd only) | 3.1869% | 4,362 |
| Net charge-offs to loans | 0.1689% | 2,109 |
| Credit loss provision to net charge-offs | 234.3750% | 1,114 |
| Earnings coverage of net charge-offs (x) | 6.8744% | 3,009 |
| Efficiency ratio | 86.7069% | 1,117 |
| Assets per employee ($millions) | 2.6041% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 3,480 |
| Loan loss allowance to noncurrent loans | 231.0345% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 4.5001% | 402 |
| Noncurrent loans to loans | 0.5775% | 4,188 |
| Net loans and leases to total assets | 59.4586% | 3,876 |
| Net loans and leases to deposits | 67.5630% | 4,176 |
| Net loans and leases to core deposits | 73.8949% | 3,949 |
| Total domestic deposits to total assets | 88.0046% | 1,768 |
| Equity capital to assets | 11.3594% | 2,620 |
| Core capital (leverage) ratio | 11.2500% | 2,260 |
| Tier 1 risk-based capital ratio | 18.8754% | 1,937 |
| Total risk-based capital ratio | 20.1276% | 1,909 |
| Memoranda: | ||
| Average total assets | $40,952,250 | 6,084 |
| Average earning assets | $33,201,000 | 6,184 |
| Average equity | $4,685,750 | 5,993 |
| Average total loans | $25,264,500 | 5,830 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1574% | 126 |
| Cost of funding earning assets | 0.5537% | 2,316 |
| Net interest margin | 5.6037% | 115 |
| Noninterest income to average assets | 0.8253% | 1,751 |
| Noninterest expense to average assets | 4.5881% | 413 |
| Loan and lease loss provision to assets | 0.2456% | 903 |
| Net operating income to assets | 0.5404% | 4,647 |
| Return on assets (ROA) | 0.5404% | 4,742 |
| Pretax return on assets | 0.5649% | 5,074 |
| Return on Equity (ROE) | 4.7109% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.7109% | 3,150 |
| Net charge-offs to loans | 0.1501% | 2,186 |
| Credit loss provision to net charge-offs | 263.1579% | 957 |
| Earnings coverage of net charge-offs (x) | 8.6842% | 2,457 |
| Efficiency ratio | 84.9864% | 1,388 |
| Assets per employee ($millions) | 2.6218% | 6,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 4,039 |
| Loan loss allowance to noncurrent loans | 252.3438% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 4.4293% | 443 |
| Noncurrent loans to loans | 0.5024% | 4,486 |
| Net loans and leases to total assets | 59.9623% | 3,718 |
| Net loans and leases to deposits | 68.0160% | 4,047 |
| Net loans and leases to core deposits | 73.2597% | 3,924 |
| Total domestic deposits to total assets | 88.1591% | 1,818 |
| Equity capital to assets | 11.2782% | 2,630 |
| Core capital (leverage) ratio | 11.3239% | 2,141 |
| Tier 1 risk-based capital ratio | 18.5668% | 2,047 |
| Total risk-based capital ratio | 19.8148% | 2,002 |
| Memoranda: | ||
| Average total assets | $40,714,330 | 6,152 |
| Average earning assets | $33,228,330 | 6,243 |
| Average equity | $4,670,000 | 6,040 |
| Average total loans | $25,316,330 | 5,865 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1485% | 117 |
| Cost of funding earning assets | 0.5557% | 2,378 |
| Net interest margin | 5.5928% | 117 |
| Noninterest income to average assets | 0.8180% | 1,684 |
| Noninterest expense to average assets | 4.8083% | 353 |
| Loan and lease loss provision to assets | 0.2494% | 865 |
| Net operating income to assets | 0.3691% | 5,237 |
| Return on assets (ROA) | 0.3691% | 5,303 |
| Pretax return on assets | 0.3791% | 5,517 |
| Return on Equity (ROE) | 3.1900% | 5,393 |
| Retained earnings to average equity (ytd only) | 3.1900% | 4,209 |
| Net charge-offs to loans | 0.2853% | 1,209 |
| Credit loss provision to net charge-offs | 138.8889% | 1,318 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,676 |
| Efficiency ratio | 88.4404% | 1,184 |
| Assets per employee ($millions) | 2.5828% | 6,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 4,678 |
| Loan loss allowance to noncurrent loans | 141.0377% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 4.8616% | 433 |
| Noncurrent loans to loans | 0.8440% | 3,780 |
| Net loans and leases to total assets | 60.0571% | 3,556 |
| Net loans and leases to deposits | 68.0616% | 3,849 |
| Net loans and leases to core deposits | 78.8273% | 3,111 |
| Total domestic deposits to total assets | 88.2393% | 2,088 |
| Equity capital to assets | 11.2719% | 2,457 |
| Core capital (leverage) ratio | 11.3543% | 2,090 |
| Tier 1 risk-based capital ratio | 18.5548% | 2,105 |
| Total risk-based capital ratio | 19.7459% | 2,089 |
| Memoranda: | ||
| Average total assets | $40,097,500 | 6,232 |
| Average earning assets | $33,114,000 | 6,310 |
| Average equity | $4,639,500 | 6,086 |
| Average total loans | $25,236,500 | 5,928 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2329% | 118 |
| Cost of funding earning assets | 0.6986% | 1,824 |
| Net interest margin | 5.5343% | 127 |
| Noninterest income to average assets | 0.8493% | 1,870 |
| Noninterest expense to average assets | 4.8168% | 400 |
| Loan and lease loss provision to assets | 0.3169% | 1,046 |
| Net operating income to assets | 0.3169% | 5,466 |
| Return on assets (ROA) | 0.3169% | 5,561 |
| Pretax return on assets | 0.3346% | 5,636 |
| Return on Equity (ROE) | 2.7190% | 5,612 |
| Retained earnings to average equity (ytd only) | 1.6097% | 5,068 |
| Net charge-offs to loans | 0.1949% | 2,906 |
| Credit loss provision to net charge-offs | 255.1020% | 886 |
| Earnings coverage of net charge-offs (x) | 5.2449% | 3,347 |
| Efficiency ratio | 88.0853% | 1,208 |
| Assets per employee ($millions) | 2.4294% | 6,444 |
| Cash dividends to net income (ytd only)* | 40.8000% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 4,903 |
| Loan loss allowance to noncurrent loans | 117.7419% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 5.2610% | 433 |
| Noncurrent loans to loans | 0.9781% | 3,567 |
| Net loans and leases to total assets | 64.4799% | 2,957 |
| Net loans and leases to deposits | 73.5424% | 3,326 |
| Net loans and leases to core deposits | 79.1087% | 3,229 |
| Total domestic deposits to total assets | 87.6772% | 2,380 |
| Equity capital to assets | 11.8880% | 1,876 |
| Core capital (leverage) ratio | 11.6322% | 1,869 |
| Tier 1 risk-based capital ratio | 18.1315% | 2,209 |
| Total risk-based capital ratio | 19.2773% | 2,209 |
| Memoranda: | ||
| Average total assets | $39,445,200 | 6,303 |
| Average earning assets | $32,922,000 | 6,378 |
| Average equity | $4,597,200 | 6,174 |
| Average total loans | $25,138,400 | 5,980 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2020% | 130 |
| Cost of funding earning assets | 0.7306% | 1,736 |
| Net interest margin | 5.4714% | 142 |
| Noninterest income to average assets | 0.8521% | 1,924 |
| Noninterest expense to average assets | 4.7420% | 424 |
| Loan and lease loss provision to assets | 0.2526% | 1,413 |
| Net operating income to assets | 0.3536% | 5,425 |
| Return on assets (ROA) | 0.3536% | 5,556 |
| Pretax return on assets | 0.3974% | 5,627 |
| Return on Equity (ROE) | 3.0493% | 5,585 |
| Retained earnings to average equity (ytd only) | 3.0493% | 4,493 |
| Net charge-offs to loans | 0.2551% | 2,281 |
| Credit loss provision to net charge-offs | 156.2500% | 1,512 |
| Earnings coverage of net charge-offs (x) | 4.0208% | 3,555 |
| Efficiency ratio | 87.9450% | 1,183 |
| Assets per employee ($millions) | 2.3479% | 6,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 5,945 |
| Loan loss allowance to noncurrent loans | 48.6000% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 5.1735% | 528 |
| Noncurrent loans to loans | 1.9370% | 2,318 |
| Net loans and leases to total assets | 64.0611% | 2,995 |
| Net loans and leases to deposits | 72.9883% | 3,407 |
| Net loans and leases to core deposits | 77.4028% | 3,439 |
| Total domestic deposits to total assets | 87.7690% | 2,266 |
| Equity capital to assets | 11.6548% | 2,167 |
| Core capital (leverage) ratio | 11.5672% | 1,987 |
| Tier 1 risk-based capital ratio | 18.0513% | 2,304 |
| Total risk-based capital ratio | 18.9942% | 2,391 |
| Memoranda: | ||
| Average total assets | $39,588,750 | 6,368 |
| Average earning assets | $32,849,000 | 6,450 |
| Average equity | $4,591,250 | 6,255 |
| Average total loans | $25,084,000 | 6,034 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1187% | 149 |
| Cost of funding earning assets | 0.7556% | 1,669 |
| Net interest margin | 5.3631% | 164 |
| Noninterest income to average assets | 0.8359% | 2,041 |
| Noninterest expense to average assets | 4.6809% | 454 |
| Loan and lease loss provision to assets | 0.2533% | 1,464 |
| Net operating income to assets | 0.2786% | 5,671 |
| Return on assets (ROA) | 0.2786% | 5,807 |
| Pretax return on assets | 0.3242% | 5,810 |
| Return on Equity (ROE) | 2.4065% | 5,832 |
| Retained earnings to average equity (ytd only) | 2.4065% | 4,769 |
| Net charge-offs to loans | 0.0644% | 3,779 |
| Credit loss provision to net charge-offs | 625.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 1,836 |
| Efficiency ratio | 89.0173% | 1,131 |
| Assets per employee ($millions) | 2.5308% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 5,748 |
| Loan loss allowance to noncurrent loans | 56.0870% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 5.0009% | 615 |
| Noncurrent loans to loans | 1.8139% | 2,627 |
| Net loans and leases to total assets | 61.9910% | 3,285 |
| Net loans and leases to deposits | 70.3374% | 3,676 |
| Net loans and leases to core deposits | 74.4999% | 3,730 |
| Total domestic deposits to total assets | 88.1338% | 2,146 |
| Equity capital to assets | 11.3649% | 2,411 |
| Core capital (leverage) ratio | 11.4052% | 2,020 |
| Tier 1 risk-based capital ratio | 18.2968% | 2,211 |
| Total risk-based capital ratio | 19.3225% | 2,254 |
| Memoranda: | ||
| Average total assets | $39,480,000 | 6,420 |
| Average earning assets | $32,556,000 | 6,502 |
| Average equity | $4,571,000 | 6,314 |
| Average total loans | $24,841,000 | 6,076 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9475% | 185 |
| Cost of funding earning assets | 0.7806% | 1,641 |
| Net interest margin | 5.1669% | 206 |
| Noninterest income to average assets | 0.8827% | 1,823 |
| Noninterest expense to average assets | 4.6801% | 461 |
| Loan and lease loss provision to assets | 0.2566% | 1,387 |
| Net operating income to assets | 0.1745% | 5,967 |
| Return on assets (ROA) | 0.1745% | 6,069 |
| Pretax return on assets | 0.2258% | 6,030 |
| Return on Equity (ROE) | 1.4927% | 6,092 |
| Retained earnings to average equity (ytd only) | 1.4927% | 5,242 |
| Net charge-offs to loans | -0.4394% | 6,839 |
| Credit loss provision to net charge-offs | -92.5926% | 5,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6561% | 1,090 |
| Assets per employee ($millions) | 2.3695% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 5,671 |
| Loan loss allowance to noncurrent loans | 106.3492% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 4.8633% | 756 |
| Noncurrent loans to loans | 1.0201% | 4,095 |
| Net loans and leases to total assets | 60.6638% | 3,318 |
| Net loans and leases to deposits | 68.6655% | 3,684 |
| Net loans and leases to core deposits | 75.9542% | 3,332 |
| Total domestic deposits to total assets | 88.3469% | 2,104 |
| Equity capital to assets | 11.3304% | 2,602 |
| Core capital (leverage) ratio | 11.7257% | 1,729 |
| Tier 1 risk-based capital ratio | 18.3293% | 2,252 |
| Total risk-based capital ratio | 19.4056% | 2,270 |
| Memoranda: | ||
| Average total assets | $38,973,500 | 6,493 |
| Average earning assets | $32,282,500 | 6,574 |
| Average equity | $4,555,500 | 6,382 |
| Average total loans | $24,581,500 | 6,141 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3325% | 161 |
| Cost of funding earning assets | 0.9415% | 1,696 |
| Net interest margin | 5.3909% | 199 |
| Noninterest income to average assets | 0.9363% | 1,755 |
| Noninterest expense to average assets | 4.5537% | 550 |
| Loan and lease loss provision to assets | 0.4142% | 1,549 |
| Net operating income to assets | 0.3489% | 5,296 |
| Return on assets (ROA) | 0.3489% | 5,519 |
| Pretax return on assets | 0.2661% | 5,890 |
| Return on Equity (ROE) | 3.0711% | 5,528 |
| Retained earnings to average equity (ytd only) | 1.9443% | 4,852 |
| Net charge-offs to loans | 0.9438% | 1,173 |
| Credit loss provision to net charge-offs | 71.1207% | 4,122 |
| Earnings coverage of net charge-offs (x) | 1.1681% | 4,877 |
| Efficiency ratio | 87.0024% | 1,332 |
| Assets per employee ($millions) | 2.3541% | 6,743 |
| Cash dividends to net income (ytd only)* | 36.6906% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 6,301 |
| Loan loss allowance to noncurrent loans | 91.5254% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 5.1585% | 741 |
| Noncurrent loans to loans | 0.9649% | 4,268 |
| Net loans and leases to total assets | 64.3631% | 2,834 |
| Net loans and leases to deposits | 73.4080% | 3,191 |
| Net loans and leases to core deposits | 77.3795% | 3,351 |
| Total domestic deposits to total assets | 87.6785% | 2,425 |
| Equity capital to assets | 12.0719% | 2,002 |
| Core capital (leverage) ratio | 11.8208% | 1,655 |
| Tier 1 risk-based capital ratio | 18.6139% | 2,069 |
| Total risk-based capital ratio | 19.4981% | 2,140 |
| Memoranda: | ||
| Average total assets | $39,835,800 | 6,508 |
| Average earning assets | $31,757,000 | 6,615 |
| Average equity | $4,526,000 | 6,438 |
| Average total loans | $24,581,000 | 6,215 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3192% | 174 |
| Cost of funding earning assets | 0.9731% | 1,720 |
| Net interest margin | 5.3460% | 221 |
| Noninterest income to average assets | 0.9444% | 1,688 |
| Noninterest expense to average assets | 4.2299% | 699 |
| Loan and lease loss provision to assets | 0.4458% | 1,412 |
| Net operating income to assets | 0.3698% | 5,372 |
| Return on assets (ROA) | 0.3698% | 5,572 |
| Pretax return on assets | 0.4590% | 5,567 |
| Return on Equity (ROE) | 3.3032% | 5,575 |
| Retained earnings to average equity (ytd only) | 3.3032% | 4,543 |
| Net charge-offs to loans | 1.1972% | 815 |
| Credit loss provision to net charge-offs | 61.0860% | 4,124 |
| Earnings coverage of net charge-offs (x) | 1.2398% | 4,669 |
| Efficiency ratio | 82.3794% | 1,764 |
| Assets per employee ($millions) | 2.2625% | 6,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 6,553 |
| Loan loss allowance to noncurrent loans | 35.6239% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 5.5067% | 771 |
| Noncurrent loans to loans | 2.3084% | 2,497 |
| Net loans and leases to total assets | 61.7727% | 3,432 |
| Net loans and leases to deposits | 70.3887% | 3,845 |
| Net loans and leases to core deposits | 74.8009% | 3,877 |
| Total domestic deposits to total assets | 87.7593% | 2,192 |
| Equity capital to assets | 11.8845% | 2,364 |
| Core capital (leverage) ratio | 11.8770% | 1,728 |
| Tier 1 risk-based capital ratio | 19.0976% | 1,982 |
| Total risk-based capital ratio | 19.9206% | 2,078 |
| Memoranda: | ||
| Average total assets | $40,378,250 | 6,574 |
| Average earning assets | $31,649,000 | 6,703 |
| Average equity | $4,520,750 | 6,507 |
| Average total loans | $24,611,500 | 6,302 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3559% | 174 |
| Cost of funding earning assets | 1.0152% | 1,674 |
| Net interest margin | 5.3408% | 231 |
| Noninterest income to average assets | 0.8192% | 2,098 |
| Noninterest expense to average assets | 4.0910% | 843 |
| Loan and lease loss provision to assets | 0.2926% | 2,240 |
| Net operating income to assets | 0.4779% | 4,917 |
| Return on assets (ROA) | 0.4779% | 5,164 |
| Pretax return on assets | 0.5656% | 5,260 |
| Return on Equity (ROE) | 4.3517% | 5,112 |
| Retained earnings to average equity (ytd only) | 4.3517% | 3,718 |
| Net charge-offs to loans | 0.4913% | 2,108 |
| Credit loss provision to net charge-offs | 98.3607% | 2,819 |
| Earnings coverage of net charge-offs (x) | 2.8852% | 3,586 |
| Efficiency ratio | 82.6601% | 1,791 |
| Assets per employee ($millions) | 2.2639% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 5,549 |
| Loan loss allowance to noncurrent loans | 129.9539% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 4.8692% | 995 |
| Noncurrent loans to loans | 0.8888% | 4,714 |
| Net loans and leases to total assets | 62.7069% | 3,285 |
| Net loans and leases to deposits | 71.3285% | 3,716 |
| Net loans and leases to core deposits | 75.1066% | 3,868 |
| Total domestic deposits to total assets | 87.9128% | 2,198 |
| Equity capital to assets | 11.8404% | 2,277 |
| Core capital (leverage) ratio | 11.5073% | 1,899 |
| Tier 1 risk-based capital ratio | 18.6099% | 2,100 |
| Total risk-based capital ratio | 19.7615% | 2,084 |
| Memoranda: | ||
| Average total assets | $41,017,000 | 6,590 |
| Average earning assets | $31,718,330 | 6,747 |
| Average equity | $4,504,000 | 6,546 |
| Average total loans | $24,830,000 | 6,330 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3437% | 196 |
| Cost of funding earning assets | 1.0720% | 1,538 |
| Net interest margin | 5.2717% | 267 |
| Noninterest income to average assets | 0.8420% | 1,976 |
| Noninterest expense to average assets | 4.0774% | 854 |
| Loan and lease loss provision to assets | 0.2838% | 2,194 |
| Net operating income to assets | 0.3500% | 5,479 |
| Return on assets (ROA) | 0.3500% | 5,654 |
| Pretax return on assets | 0.4352% | 5,630 |
| Return on Equity (ROE) | 3.3054% | 5,591 |
| Retained earnings to average equity (ytd only) | 3.3054% | 4,584 |
| Net charge-offs to loans | 1.2462% | 814 |
| Credit loss provision to net charge-offs | 38.4615% | 3,467 |
| Earnings coverage of net charge-offs (x) | 0.9744% | 3,843 |
| Efficiency ratio | 85.0099% | 1,580 |
| Assets per employee ($millions) | 2.4901% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 6,446 |
| Loan loss allowance to noncurrent loans | 33.6676% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 5.1605% | 992 |
| Noncurrent loans to loans | 2.7887% | 2,324 |
| Net loans and leases to total assets | 62.2349% | 3,213 |
| Net loans and leases to deposits | 70.2985% | 3,691 |
| Net loans and leases to core deposits | 74.6545% | 3,807 |
| Total domestic deposits to total assets | 88.5294% | 1,993 |
| Equity capital to assets | 11.2849% | 2,639 |
| Core capital (leverage) ratio | 11.4306% | 1,940 |
| Tier 1 risk-based capital ratio | 18.6000% | 2,112 |
| Total risk-based capital ratio | 19.5722% | 2,167 |
| Memoranda: | ||
| Average total assets | $42,282,000 | 6,589 |
| Average earning assets | $31,716,500 | 6,804 |
| Average equity | $4,477,500 | 6,588 |
| Average total loans | $25,037,000 | 6,371 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5817% | 161 |
| Cost of funding earning assets | 1.2464% | 1,755 |
| Net interest margin | 5.3353% | 227 |
| Noninterest income to average assets | 0.4649% | 4,094 |
| Noninterest expense to average assets | 4.2595% | 749 |
| Loan and lease loss provision to assets | 0.2147% | 4,048 |
| Net operating income to assets | 0.3107% | 5,209 |
| Return on assets (ROA) | 0.3107% | 5,367 |
| Pretax return on assets | 0.3057% | 5,542 |
| Return on Equity (ROE) | 2.7675% | 5,375 |
| Retained earnings to average equity (ytd only) | 1.6200% | 5,060 |
| Net charge-offs to loans | 0.4431% | 3,218 |
| Credit loss provision to net charge-offs | 75.2212% | 4,666 |
| Earnings coverage of net charge-offs (x) | 1.8230% | 4,414 |
| Efficiency ratio | 89.1121% | 1,260 |
| Assets per employee ($millions) | 2.6308% | 6,684 |
| Cash dividends to net income (ytd only)* | 41.4634% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 5,694 |
| Loan loss allowance to noncurrent loans | 161.7143% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 3.6044% | 1,633 |
| Noncurrent loans to loans | 0.6988% | 5,299 |
| Net loans and leases to total assets | 55.3652% | 4,821 |
| Net loans and leases to deposits | 61.6145% | 5,290 |
| Net loans and leases to core deposits | 64.4902% | 5,416 |
| Total domestic deposits to total assets | 89.8576% | 1,071 |
| Equity capital to assets | 9.9703% | 4,203 |
| Core capital (leverage) ratio | 11.3316% | 2,018 |
| Tier 1 risk-based capital ratio | 18.7692% | 1,970 |
| Total risk-based capital ratio | 19.9604% | 1,947 |
| Memoranda: | ||
| Average total assets | $39,582,400 | 6,693 |
| Average earning assets | $32,013,000 | 6,808 |
| Average equity | $4,444,400 | 6,618 |
| Average total loans | $25,499,800 | 6,393 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5921% | 170 |
| Cost of funding earning assets | 1.2787% | 1,826 |
| Net interest margin | 5.3134% | 242 |
| Noninterest income to average assets | 0.3412% | 5,132 |
| Noninterest expense to average assets | 4.3449% | 678 |
| Loan and lease loss provision to assets | 0.2228% | 3,785 |
| Net operating income to assets | 0.1567% | 5,813 |
| Return on assets (ROA) | 0.1567% | 5,937 |
| Pretax return on assets | 0.2437% | 5,819 |
| Return on Equity (ROE) | 1.3511% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.3511% | 5,462 |
| Net charge-offs to loans | 0.4737% | 2,843 |
| Credit loss provision to net charge-offs | 70.3297% | 4,477 |
| Earnings coverage of net charge-offs (x) | 1.4725% | 4,527 |
| Efficiency ratio | 90.3039% | 1,146 |
| Assets per employee ($millions) | 2.2096% | 7,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,941 |
| Loan loss allowance to noncurrent loans | 1,092.3077% | 337 |
| Noncurrent assets plus other real estate owned to assets | 3.8948% | 1,585 |
| Noncurrent loans to loans | 0.0995% | 6,680 |
| Net loans and leases to total assets | 68.8204% | 2,309 |
| Net loans and leases to deposits | 78.2628% | 2,926 |
| Net loans and leases to core deposits | 84.2381% | 3,024 |
| Total domestic deposits to total assets | 87.9349% | 2,068 |
| Equity capital to assets | 11.7988% | 2,414 |
| Core capital (leverage) ratio | 11.6856% | 1,896 |
| Tier 1 risk-based capital ratio | 17.9332% | 2,280 |
| Total risk-based capital ratio | 19.0823% | 2,284 |
| Memoranda: | ||
| Average total assets | $38,297,250 | 6,783 |
| Average earning assets | $32,219,750 | 6,859 |
| Average equity | $4,440,750 | 6,666 |
| Average total loans | $25,613,750 | 6,444 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6632% | 170 |
| Cost of funding earning assets | 1.3351% | 1,727 |
| Net interest margin | 5.3281% | 231 |
| Noninterest income to average assets | 0.8147% | 1,953 |
| Noninterest expense to average assets | 4.2499% | 787 |
| Loan and lease loss provision to assets | 0.2231% | 3,686 |
| Net operating income to assets | 0.6642% | 3,721 |
| Return on assets (ROA) | 0.6642% | 3,846 |
| Pretax return on assets | 0.7939% | 4,056 |
| Return on Equity (ROE) | 5.7610% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.7610% | 2,562 |
| Net charge-offs to loans | 0.5503% | 2,452 |
| Credit loss provision to net charge-offs | 61.4286% | 4,307 |
| Earnings coverage of net charge-offs (x) | 2.8000% | 3,446 |
| Efficiency ratio | 80.6897% | 2,287 |
| Assets per employee ($millions) | 2.2335% | 7,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 5,831 |
| Loan loss allowance to noncurrent loans | 132.7103% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 4.7933% | 1,296 |
| Noncurrent loans to loans | 0.8507% | 5,244 |
| Net loans and leases to total assets | 65.5043% | 3,133 |
| Net loans and leases to deposits | 74.5698% | 3,708 |
| Net loans and leases to core deposits | 81.4701% | 3,587 |
| Total domestic deposits to total assets | 87.8430% | 2,250 |
| Equity capital to assets | 11.8910% | 2,173 |
| Core capital (leverage) ratio | 11.7105% | 1,778 |
| Tier 1 risk-based capital ratio | 18.5200% | 2,004 |
| Total risk-based capital ratio | 19.6850% | 1,983 |
| Memoranda: | ||
| Average total assets | $38,542,000 | 6,842 |
| Average earning assets | $32,206,670 | 6,930 |
| Average equity | $4,443,670 | 6,700 |
| Average total loans | $25,440,000 | 6,514 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6536% | 166 |
| Cost of funding earning assets | 1.3929% | 1,644 |
| Net interest margin | 5.2607% | 234 |
| Noninterest income to average assets | 0.7726% | 2,141 |
| Noninterest expense to average assets | 4.4504% | 627 |
| Loan and lease loss provision to assets | 0.2163% | 3,488 |
| Net operating income to assets | 0.4327% | 4,790 |
| Return on assets (ROA) | 0.4327% | 4,874 |
| Pretax return on assets | 0.4636% | 5,140 |
| Return on Equity (ROE) | 3.8113% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.8113% | 3,884 |
| Net charge-offs to loans | 0.8913% | 1,484 |
| Credit loss provision to net charge-offs | 36.8421% | 4,005 |
| Earnings coverage of net charge-offs (x) | 1.1579% | 3,790 |
| Efficiency ratio | 86.7470% | 1,638 |
| Assets per employee ($millions) | 2.2630% | 7,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 6,146 |
| Loan loss allowance to noncurrent loans | 40.9226% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 5.1545% | 1,219 |
| Noncurrent loans to loans | 2.6231% | 2,875 |
| Net loans and leases to total assets | 65.8782% | 3,044 |
| Net loans and leases to deposits | 74.7104% | 3,647 |
| Net loans and leases to core deposits | 79.8941% | 3,776 |
| Total domestic deposits to total assets | 88.1781% | 2,271 |
| Equity capital to assets | 11.5126% | 2,252 |
| Core capital (leverage) ratio | 11.5156% | 1,839 |
| Tier 1 risk-based capital ratio | 18.0901% | 2,085 |
| Total risk-based capital ratio | 19.2133% | 2,093 |
| Memoranda: | ||
| Average total assets | $38,828,000 | 6,876 |
| Average earning assets | $32,163,000 | 6,983 |
| Average equity | $4,408,000 | 6,740 |
| Average total loans | $25,582,000 | 6,557 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8886% | 166 |
| Cost of funding earning assets | 1.6560% | 1,796 |
| Net interest margin | 5.2327% | 272 |
| Noninterest income to average assets | 0.7688% | 2,431 |
| Noninterest expense to average assets | 4.3178% | 795 |
| Loan and lease loss provision to assets | 0.2200% | 5,069 |
| Net operating income to assets | 0.5125% | 4,042 |
| Return on assets (ROA) | 0.5125% | 4,194 |
| Pretax return on assets | 0.6808% | 4,044 |
| Return on Equity (ROE) | 4.5664% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.3902% | 3,500 |
| Net charge-offs to loans | 0.0960% | 5,888 |
| Credit loss provision to net charge-offs | 340.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 13.9200% | 1,379 |
| Efficiency ratio | 82.7381% | 2,079 |
| Assets per employee ($millions) | 2.3050% | 7,217 |
| Cash dividends to net income (ytd only)* | 25.7576% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 5,428 |
| Loan loss allowance to noncurrent loans | 46.9789% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 5.0351% | 1,266 |
| Noncurrent loans to loans | 2.5915% | 2,939 |
| Net loans and leases to total assets | 64.3971% | 3,785 |
| Net loans and leases to deposits | 72.7729% | 4,383 |
| Net loans and leases to core deposits | 80.9379% | 4,071 |
| Total domestic deposits to total assets | 88.4905% | 1,949 |
| Equity capital to assets | 11.1956% | 2,515 |
| Core capital (leverage) ratio | 11.2248% | 1,993 |
| Tier 1 risk-based capital ratio | 17.8580% | 2,045 |
| Total risk-based capital ratio | 19.1036% | 2,008 |
| Memoranda: | ||
| Average total assets | $38,631,000 | 6,914 |
| Average earning assets | $32,851,200 | 6,987 |
| Average equity | $4,336,000 | 6,876 |
| Average total loans | $26,042,000 | 6,614 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8889% | 174 |
| Cost of funding earning assets | 1.6738% | 1,991 |
| Net interest margin | 5.2151% | 284 |
| Noninterest income to average assets | 0.7690% | 2,390 |
| Noninterest expense to average assets | 4.3713% | 682 |
| Loan and lease loss provision to assets | 0.2217% | 4,840 |
| Net operating income to assets | 0.6339% | 3,732 |
| Return on assets (ROA) | 0.6339% | 3,899 |
| Pretax return on assets | 0.6546% | 4,410 |
| Return on Equity (ROE) | 5.6437% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.6437% | 2,570 |
| Net charge-offs to loans | 0.0662% | 5,848 |
| Credit loss provision to net charge-offs | 492.3077% | 600 |
| Earnings coverage of net charge-offs (x) | 19.4645% | 1,211 |
| Efficiency ratio | 83.3003% | 1,918 |
| Assets per employee ($millions) | 2.2282% | 7,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 5,610 |
| Loan loss allowance to noncurrent loans | 629.1667% | 522 |
| Noncurrent assets plus other real estate owned to assets | 3.5876% | 1,985 |
| Noncurrent loans to loans | 0.1869% | 6,808 |
| Net loans and leases to total assets | 67.0090% | 3,460 |
| Net loans and leases to deposits | 76.2275% | 4,143 |
| Net loans and leases to core deposits | 82.2974% | 4,201 |
| Total domestic deposits to total assets | 87.9065% | 2,013 |
| Equity capital to assets | 11.6763% | 2,375 |
| Core capital (leverage) ratio | 11.4737% | 1,955 |
| Tier 1 risk-based capital ratio | 17.6412% | 2,129 |
| Total risk-based capital ratio | 18.8457% | 2,114 |
| Memoranda: | ||
| Average total assets | $38,492,500 | 7,000 |
| Average earning assets | $33,057,000 | 7,062 |
| Average equity | $4,323,250 | 6,973 |
| Average total loans | $26,166,250 | 6,696 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8718% | 186 |
| Cost of funding earning assets | 1.6998% | 2,119 |
| Net interest margin | 5.1720% | 298 |
| Noninterest income to average assets | 0.7339% | 2,493 |
| Noninterest expense to average assets | 4.3001% | 728 |
| Loan and lease loss provision to assets | 0.2222% | 4,677 |
| Net operating income to assets | 0.5995% | 3,881 |
| Return on assets (ROA) | 0.5995% | 4,016 |
| Pretax return on assets | 0.6305% | 4,474 |
| Return on Equity (ROE) | 5.4079% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.4079% | 2,673 |
| Net charge-offs to loans | 0.0456% | 5,748 |
| Credit loss provision to net charge-offs | 716.6667% | 524 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 974 |
| Efficiency ratio | 83.4504% | 1,985 |
| Assets per employee ($millions) | 2.2413% | 7,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 5,900 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 3.9132% | 1,768 |
| Noncurrent loans to loans | 0.4855% | 6,278 |
| Net loans and leases to total assets | 67.3639% | 3,532 |
| Net loans and leases to deposits | 76.4149% | 4,255 |
| Net loans and leases to core deposits | 83.5378% | 4,206 |
| Total domestic deposits to total assets | 88.1555% | 1,925 |
| Equity capital to assets | 11.4325% | 2,494 |
| Core capital (leverage) ratio | 11.0446% | 2,204 |
| Tier 1 risk-based capital ratio | 17.2099% | 2,196 |
| Total risk-based capital ratio | 18.3478% | 2,196 |
| Memoranda: | ||
| Average total assets | $38,696,670 | 7,040 |
| Average earning assets | $33,062,670 | 7,109 |
| Average equity | $4,290,000 | 7,018 |
| Average total loans | $26,326,670 | 6,726 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8668% | 204 |
| Cost of funding earning assets | 1.7258% | 2,263 |
| Net interest margin | 5.1410% | 325 |
| Noninterest income to average assets | 0.6873% | 2,681 |
| Noninterest expense to average assets | 4.4315% | 622 |
| Loan and lease loss provision to assets | 0.2154% | 4,351 |
| Net operating income to assets | 0.3488% | 5,084 |
| Return on assets (ROA) | 0.3488% | 5,206 |
| Pretax return on assets | 0.3795% | 5,354 |
| Return on Equity (ROE) | 3.1947% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.1947% | 4,230 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1633% | 1,571 |
| Assets per employee ($millions) | 2.3191% | 7,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 6,281 |
| Loan loss allowance to noncurrent loans | 143.1579% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 3.7666% | 1,843 |
| Noncurrent loans to loans | 0.7269% | 5,867 |
| Net loans and leases to total assets | 65.6132% | 3,954 |
| Net loans and leases to deposits | 73.9403% | 4,753 |
| Net loans and leases to core deposits | 79.8740% | 4,774 |
| Total domestic deposits to total assets | 88.7381% | 1,651 |
| Equity capital to assets | 10.8408% | 2,911 |
| Core capital (leverage) ratio | 10.9273% | 2,274 |
| Tier 1 risk-based capital ratio | 16.8261% | 2,333 |
| Total risk-based capital ratio | 17.8969% | 2,348 |
| Memoranda: | ||
| Average total assets | $38,994,000 | 7,116 |
| Average earning assets | $32,912,000 | 7,203 |
| Average equity | $4,257,000 | 7,095 |
| Average total loans | $26,512,500 | 6,808 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0539% | 257 |
| Cost of funding earning assets | 2.1539% | 2,221 |
| Net interest margin | 4.9000% | 557 |
| Noninterest income to average assets | 0.5243% | 4,219 |
| Noninterest expense to average assets | 4.5086% | 796 |
| Loan and lease loss provision to assets | 0.5977% | 3,405 |
| Net operating income to assets | -0.0682% | 5,618 |
| Return on assets (ROA) | -0.0682% | 5,638 |
| Pretax return on assets | -0.2228% | 5,729 |
| Return on Equity (ROE) | -0.6007% | 5,641 |
| Retained earnings to average equity (ytd only) | -1.7789% | 5,459 |
| Net charge-offs to loans | 0.9827% | 2,444 |
| Credit loss provision to net charge-offs | 88.0309% | 6,067 |
| Earnings coverage of net charge-offs (x) | 0.5521% | 5,556 |
| Efficiency ratio | 92.3242% | 1,538 |
| Assets per employee ($millions) | 2.2684% | 7,509 |
| Cash dividends to net income (ytd only)* | -196.1538% | 7,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 6,694 |
| Loan loss allowance to noncurrent loans | 190.1515% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 3.5060% | 1,916 |
| Noncurrent loans to loans | 0.4910% | 6,271 |
| Net loans and leases to total assets | 69.0662% | 3,470 |
| Net loans and leases to deposits | 78.0095% | 4,370 |
| Net loans and leases to core deposits | 97.3821% | 4,306 |
| Total domestic deposits to total assets | 88.5356% | 1,711 |
| Equity capital to assets | 10.9950% | 2,706 |
| Core capital (leverage) ratio | 10.9876% | 2,231 |
| Tier 1 risk-based capital ratio | 16.3643% | 2,368 |
| Total risk-based capital ratio | 17.3331% | 2,417 |
| Memoranda: | ||
| Average total assets | $38,149,000 | 7,166 |
| Average earning assets | $33,938,800 | 7,189 |
| Average equity | $4,328,400 | 7,165 |
| Average total loans | $26,356,800 | 6,837 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0454% | 281 |
| Cost of funding earning assets | 2.2053% | 2,391 |
| Net interest margin | 4.8400% | 637 |
| Noninterest income to average assets | 0.5712% | 3,910 |
| Noninterest expense to average assets | 4.5453% | 704 |
| Loan and lease loss provision to assets | 0.3680% | 4,111 |
| Net operating income to assets | -0.0140% | 5,732 |
| Return on assets (ROA) | -0.0140% | 5,793 |
| Pretax return on assets | 0.0035% | 5,700 |
| Return on Equity (ROE) | -0.1225% | 5,792 |
| Retained earnings to average equity (ytd only) | -0.1225% | 5,234 |
| Net charge-offs to loans | 0.8999% | 2,167 |
| Credit loss provision to net charge-offs | 59.3220% | 6,183 |
| Earnings coverage of net charge-offs (x) | 0.5989% | 5,435 |
| Efficiency ratio | 92.4448% | 1,508 |
| Assets per employee ($millions) | 2.2432% | 7,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8115% | 7,082 |
| Loan loss allowance to noncurrent loans | 54.6875% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 4.7307% | 1,261 |
| Noncurrent loans to loans | 1.4838% | 4,442 |
| Net loans and leases to total assets | 67.3126% | 4,112 |
| Net loans and leases to deposits | 76.2823% | 4,990 |
| Net loans and leases to core deposits | 92.9868% | 5,138 |
| Total domestic deposits to total assets | 88.2415% | 1,538 |
| Equity capital to assets | 11.3101% | 2,737 |
| Core capital (leverage) ratio | 10.9301% | 2,454 |
| Tier 1 risk-based capital ratio | 17.1532% | 2,229 |
| Total risk-based capital ratio | 17.9884% | 2,301 |
| Memoranda: | ||
| Average total assets | $38,045,500 | 7,231 |
| Average earning assets | $34,158,750 | 7,239 |
| Average equity | $4,350,500 | 7,233 |
| Average total loans | $26,224,750 | 6,903 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2019% | 237 |
| Cost of funding earning assets | 2.3270% | 2,251 |
| Net interest margin | 4.8750% | 568 |
| Noninterest income to average assets | 0.7471% | 2,720 |
| Noninterest expense to average assets | 4.4192% | 844 |
| Loan and lease loss provision to assets | 0.1841% | 5,189 |
| Net operating income to assets | 0.5261% | 3,992 |
| Return on assets (ROA) | 0.5261% | 4,109 |
| Pretax return on assets | 0.5524% | 4,460 |
| Return on Equity (ROE) | 4.5840% | 4,267 |
| Retained earnings to average equity (ytd only) | 4.5840% | 2,745 |
| Net charge-offs to loans | 0.1367% | 4,800 |
| Credit loss provision to net charge-offs | 194.4444% | 2,351 |
| Earnings coverage of net charge-offs (x) | 7.7778% | 2,388 |
| Efficiency ratio | 85.7143% | 2,253 |
| Assets per employee ($millions) | 2.2726% | 7,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,278 |
| Loan loss allowance to noncurrent loans | 213.5714% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 2.8342% | 2,262 |
| Noncurrent loans to loans | 0.5379% | 6,193 |
| Net loans and leases to total assets | 66.5976% | 4,441 |
| Net loans and leases to deposits | 75.6676% | 5,219 |
| Net loans and leases to core deposits | 88.6172% | 5,670 |
| Total domestic deposits to total assets | 88.0135% | 1,766 |
| Equity capital to assets | 11.4326% | 2,580 |
| Core capital (leverage) ratio | 11.1245% | 2,316 |
| Tier 1 risk-based capital ratio | 17.7304% | 2,083 |
| Total risk-based capital ratio | 18.9306% | 2,048 |
| Memoranda: | ||
| Average total assets | $38,016,000 | 7,294 |
| Average earning assets | $34,379,670 | 7,299 |
| Average equity | $4,363,000 | 7,288 |
| Average total loans | $26,340,000 | 6,949 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1825% | 258 |
| Cost of funding earning assets | 2.4683% | 2,032 |
| Net interest margin | 4.7143% | 746 |
| Noninterest income to average assets | 0.7532% | 2,577 |
| Noninterest expense to average assets | 4.4449% | 755 |
| Loan and lease loss provision to assets | 0.1803% | 4,644 |
| Net operating income to assets | 0.4031% | 4,847 |
| Return on assets (ROA) | 0.4031% | 5,029 |
| Pretax return on assets | 0.4031% | 5,389 |
| Return on Equity (ROE) | 3.5055% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.5055% | 3,943 |
| Net charge-offs to loans | 0.2114% | 3,367 |
| Credit loss provision to net charge-offs | 121.4286% | 3,245 |
| Earnings coverage of net charge-offs (x) | 3.9286% | 3,026 |
| Efficiency ratio | 88.3966% | 1,861 |
| Assets per employee ($millions) | 2.3246% | 7,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 5,676 |
| Loan loss allowance to noncurrent loans | 195.2055% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 4,233 |
| Noncurrent loans to loans | 0.5490% | 6,044 |
| Net loans and leases to total assets | 66.5680% | 4,449 |
| Net loans and leases to deposits | 75.2230% | 5,316 |
| Net loans and leases to core deposits | 88.8180% | 5,667 |
| Total domestic deposits to total assets | 88.4941% | 1,491 |
| Equity capital to assets | 11.0200% | 2,945 |
| Core capital (leverage) ratio | 11.3285% | 2,259 |
| Tier 1 risk-based capital ratio | 17.4703% | 2,195 |
| Total risk-based capital ratio | 18.6136% | 2,172 |
| Memoranda: | ||
| Average total assets | $37,706,500 | 7,342 |
| Average earning assets | $34,194,000 | 7,342 |
| Average equity | $4,336,000 | 7,341 |
| Average total loans | $26,495,500 | 6,976 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9785% | 201 |
| Cost of funding earning assets | 3.0439% | 1,703 |
| Net interest margin | 4.9346% | 590 |
| Noninterest income to average assets | 0.7215% | 2,974 |
| Noninterest expense to average assets | 4.5406% | 857 |
| Loan and lease loss provision to assets | 0.1850% | 5,041 |
| Net operating income to assets | 0.4097% | 5,116 |
| Return on assets (ROA) | 0.4097% | 4,930 |
| Pretax return on assets | 0.5418% | 4,874 |
| Return on Equity (ROE) | 3.6269% | 4,985 |
| Retained earnings to average equity (ytd only) | 2.4335% | 3,680 |
| Net charge-offs to loans | 0.1981% | 4,214 |
| Credit loss provision to net charge-offs | 140.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 3,625 |
| Efficiency ratio | 86.2017% | 1,835 |
| Assets per employee ($millions) | 1.9941% | 7,914 |
| Cash dividends to net income (ytd only)* | 32.9032% | 4,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 5,494 |
| Loan loss allowance to noncurrent loans | 335.7143% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 1.1367% | 4,000 |
| Noncurrent loans to loans | 0.3182% | 6,420 |
| Net loans and leases to total assets | 72.7615% | 3,423 |
| Net loans and leases to deposits | 83.2361% | 4,537 |
| Net loans and leases to core deposits | 95.2654% | 5,318 |
| Total domestic deposits to total assets | 87.4157% | 1,746 |
| Equity capital to assets | 12.0271% | 2,275 |
| Core capital (leverage) ratio | 11.4110% | 2,304 |
| Tier 1 risk-based capital ratio | 17.8684% | 2,070 |
| Total risk-based capital ratio | 19.0356% | 2,031 |
| Memoranda: | ||
| Average total assets | $37,836,600 | 7,313 |
| Average earning assets | $34,856,200 | 7,291 |
| Average equity | $4,273,600 | 7,402 |
| Average total loans | $25,242,000 | 7,014 |