Home > First Capital Bank > Performance and Condition Ratios
First Capital Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2432% | 190 |
| Cost of funding earning assets | 1.2053% | 2,785 |
| Net interest margin | 6.0379% | 107 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 3.7483% | 441 |
| Loan and lease loss provision to assets | 0.4900% | 188 |
| Net operating income to assets | 1.4966% | 1,024 |
| Return on assets (ROA) | 1.4966% | 995 |
| Pretax return on assets | 1.8385% | 847 |
| Return on Equity (ROE) | 16.7400% | 981 |
| Retained earnings to average equity (ytd only) | 16.1066% | 261 |
| Net charge-offs to loans | 0.7017% | 142 |
| Credit loss provision to net charge-offs | 74.6421% | 2,058 |
| Earnings coverage of net charge-offs (x) | 4.2004% | 2,601 |
| Efficiency ratio | 61.7148% | 2,872 |
| Assets per employee ($millions) | 3.8712% | 4,205 |
| Cash dividends to net income (ytd only)* | 3.7821% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,512 |
| Loan loss allowance to noncurrent loans | 248.5577% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 1,293 |
| Noncurrent loans to loans | 0.5511% | 1,424 |
| Net loans and leases to total assets | 76.9300% | 983 |
| Net loans and leases to deposits | 84.5907% | 1,730 |
| Net loans and leases to core deposits | 93.3699% | 1,814 |
| Total domestic deposits to total assets | 90.9500% | 521 |
| Equity capital to assets | 8.8034% | 2,824 |
| Core capital (leverage) ratio | 9.6914% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7431% | 2,323 |
| Memoranda: | ||
| Average total assets | $88,333,800 | 3,929 |
| Average earning assets | $77,742,400 | 3,950 |
| Average equity | $7,897,400 | 3,940 |
| Average total loans | $69,692,400 | 3,554 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0731% | 186 |
| Cost of funding earning assets | 0.9887% | 3,070 |
| Net interest margin | 6.0844% | 97 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 3.8049% | 419 |
| Loan and lease loss provision to assets | 0.4900% | 161 |
| Net operating income to assets | 1.5251% | 1,072 |
| Return on assets (ROA) | 1.5251% | 1,061 |
| Pretax return on assets | 1.9334% | 829 |
| Return on Equity (ROE) | 16.9800% | 1,081 |
| Retained earnings to average equity (ytd only) | 16.1200% | 450 |
| Net charge-offs to loans | 0.4806% | 180 |
| Credit loss provision to net charge-offs | 128.0488% | 1,434 |
| Earnings coverage of net charge-offs (x) | 6.3618% | 2,299 |
| Efficiency ratio | 61.1180% | 2,832 |
| Assets per employee ($millions) | 3.5332% | 4,314 |
| Cash dividends to net income (ytd only)* | 5.0710% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 595 |
| Loan loss allowance to noncurrent loans | 216.4021% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6977% | 817 |
| Noncurrent loans to loans | 0.8206% | 1,006 |
| Net loans and leases to total assets | 83.5200% | 322 |
| Net loans and leases to deposits | 93.1424% | 956 |
| Net loans and leases to core deposits | 99.6915% | 1,330 |
| Total domestic deposits to total assets | 89.6700% | 1,025 |
| Equity capital to assets | 10.0698% | 1,792 |
| Core capital (leverage) ratio | 10.0276% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3418% | 2,138 |
| Memoranda: | ||
| Average total assets | $86,201,750 | 3,976 |
| Average earning assets | $77,135,750 | 3,972 |
| Average equity | $7,741,750 | 3,960 |
| Average total loans | $68,243,250 | 3,589 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8436% | 194 |
| Cost of funding earning assets | 0.7824% | 3,260 |
| Net interest margin | 6.0611% | 104 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 3.6791% | 448 |
| Loan and lease loss provision to assets | 0.4300% | 186 |
| Net operating income to assets | 1.6346% | 899 |
| Return on assets (ROA) | 1.6346% | 901 |
| Pretax return on assets | 2.0604% | 676 |
| Return on Equity (ROE) | 18.9100% | 842 |
| Retained earnings to average equity (ytd only) | 17.5913% | 366 |
| Net charge-offs to loans | 0.2207% | 369 |
| Credit loss provision to net charge-offs | 253.3333% | 950 |
| Earnings coverage of net charge-offs (x) | 14.6000% | 1,873 |
| Efficiency ratio | 59.6090% | 3,006 |
| Assets per employee ($millions) | 3.2045% | 4,399 |
| Cash dividends to net income (ytd only)* | 6.9638% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8422% | 554 |
| Loan loss allowance to noncurrent loans | 268.5654% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 727 |
| Noncurrent loans to loans | 0.6859% | 1,092 |
| Net loans and leases to total assets | 84.6700% | 233 |
| Net loans and leases to deposits | 94.1718% | 847 |
| Net loans and leases to core deposits | 98.6045% | 1,311 |
| Total domestic deposits to total assets | 89.9100% | 946 |
| Equity capital to assets | 9.8812% | 1,923 |
| Core capital (leverage) ratio | 9.4027% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9860% | 2,303 |
| Memoranda: | ||
| Average total assets | $87,848,000 | 3,964 |
| Average earning assets | $78,731,000 | 3,980 |
| Average equity | $7,594,667 | 4,004 |
| Average total loans | $67,958,333 | 3,597 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2823% | 227 |
| Cost of funding earning assets | 0.4453% | 3,848 |
| Net interest margin | 5.8370% | 110 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.4847% | 550 |
| Loan and lease loss provision to assets | 0.5000% | 150 |
| Net operating income to assets | 1.6268% | 935 |
| Return on assets (ROA) | 1.6268% | 935 |
| Pretax return on assets | 1.9800% | 809 |
| Return on Equity (ROE) | 20.0700% | 756 |
| Retained earnings to average equity (ytd only) | 20.0699% | 373 |
| Net charge-offs to loans | 0.4393% | 185 |
| Credit loss provision to net charge-offs | 155.4054% | 934 |
| Earnings coverage of net charge-offs (x) | 7.6892% | 1,745 |
| Efficiency ratio | 58.4064% | 3,144 |
| Assets per employee ($millions) | 3.4872% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 741 |
| Loan loss allowance to noncurrent loans | 197.6898% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 555 |
| Noncurrent loans to loans | 0.8783% | 861 |
| Net loans and leases to total assets | 81.0100% | 456 |
| Net loans and leases to deposits | 89.4250% | 1,097 |
| Net loans and leases to core deposits | 92.0597% | 1,500 |
| Total domestic deposits to total assets | 90.5900% | 950 |
| Equity capital to assets | 9.1047% | 2,435 |
| Core capital (leverage) ratio | 8.7481% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3628% | 2,614 |
| Memoranda: | ||
| Average total assets | $91,716,000 | 3,980 |
| Average earning assets | $82,645,500 | 3,985 |
| Average equity | $7,434,000 | 4,072 |
| Average total loans | $67,385,500 | 3,650 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 273 |
| Cost of funding earning assets | 0.1698% | 4,002 |
| Net interest margin | 4.8844% | 156 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 3.4604% | 507 |
| Loan and lease loss provision to assets | 0.3700% | 191 |
| Net operating income to assets | 0.9068% | 2,933 |
| Return on assets (ROA) | 0.9068% | 2,872 |
| Pretax return on assets | 1.2610% | 2,231 |
| Return on Equity (ROE) | 11.5100% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.5011% | 2,025 |
| Net charge-offs to loans | 0.3688% | 207 |
| Credit loss provision to net charge-offs | 141.7391% | 1,339 |
| Earnings coverage of net charge-offs (x) | 6.2783% | 2,341 |
| Efficiency ratio | 67.9965% | 1,968 |
| Assets per employee ($millions) | 4.1558% | 4,222 |
| Cash dividends to net income (ytd only)* | 34.8259% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 712 |
| Loan loss allowance to noncurrent loans | 140.7047% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.9264% | 474 |
| Noncurrent loans to loans | 1.2513% | 553 |
| Net loans and leases to total assets | 64.7800% | 2,168 |
| Net loans and leases to deposits | 69.9555% | 2,585 |
| Net loans and leases to core deposits | 71.3632% | 2,767 |
| Total domestic deposits to total assets | 92.6000% | 491 |
| Equity capital to assets | 7.2670% | 3,508 |
| Core capital (leverage) ratio | 8.0450% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3157% | 2,641 |
| Memoranda: | ||
| Average total assets | $88,660,200 | 4,031 |
| Average earning assets | $80,091,200 | 4,035 |
| Average equity | $6,985,600 | 4,218 |
| Average total loans | $62,362,800 | 3,687 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 238 |
| Cost of funding earning assets | 0.1343% | 3,994 |
| Net interest margin | 4.7646% | 154 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 3.5657% | 460 |
| Loan and lease loss provision to assets | 0.3800% | 152 |
| Net operating income to assets | 0.7560% | 3,401 |
| Return on assets (ROA) | 0.7560% | 3,350 |
| Pretax return on assets | 1.0401% | 2,902 |
| Return on Equity (ROE) | 9.3800% | 2,914 |
| Retained earnings to average equity (ytd only) | 9.3832% | 1,524 |
| Net charge-offs to loans | 0.5007% | 128 |
| Credit loss provision to net charge-offs | 106.4935% | 1,290 |
| Earnings coverage of net charge-offs (x) | 3.9654% | 2,191 |
| Efficiency ratio | 71.4908% | 1,592 |
| Assets per employee ($millions) | 3.4144% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 859 |
| Loan loss allowance to noncurrent loans | 169.1824% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 721 |
| Noncurrent loans to loans | 1.0100% | 758 |
| Net loans and leases to total assets | 69.7200% | 1,500 |
| Net loans and leases to deposits | 76.3708% | 1,848 |
| Net loans and leases to core deposits | 78.4171% | 2,009 |
| Total domestic deposits to total assets | 91.3000% | 1,124 |
| Equity capital to assets | 8.1217% | 2,822 |
| Core capital (leverage) ratio | 7.9027% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1009% | 2,430 |
| Memoranda: | ||
| Average total assets | $85,890,500 | 4,093 |
| Average earning assets | $77,458,000 | 4,096 |
| Average equity | $6,920,000 | 4,269 |
| Average total loans | $61,510,750 | 3,724 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 323 |
| Cost of funding earning assets | 0.1205% | 3,957 |
| Net interest margin | 4.4606% | 204 |
| Noninterest income to average assets | 0.6594% | 1,502 |
| Noninterest expense to average assets | 3.5253% | 436 |
| Loan and lease loss provision to assets | 0.3909% | 147 |
| Net operating income to assets | 0.5628% | 3,724 |
| Return on assets (ROA) | 0.5628% | 3,673 |
| Pretax return on assets | 0.7536% | 3,443 |
| Return on Equity (ROE) | 7.0054% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.0054% | 1,989 |
| Net charge-offs to loans | 0.6653% | 91 |
| Credit loss provision to net charge-offs | 81.7734% | 1,383 |
| Earnings coverage of net charge-offs (x) | 2.3941% | 2,030 |
| Efficiency ratio | 75.4917% | 1,336 |
| Assets per employee ($millions) | 3.5370% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 1,022 |
| Loan loss allowance to noncurrent loans | 176.1168% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 662 |
| Noncurrent loans to loans | 0.9454% | 885 |
| Net loans and leases to total assets | 65.8279% | 1,717 |
| Net loans and leases to deposits | 71.2800% | 2,082 |
| Net loans and leases to core deposits | 74.0194% | 2,170 |
| Total domestic deposits to total assets | 92.3511% | 706 |
| Equity capital to assets | 7.5706% | 3,421 |
| Core capital (leverage) ratio | 7.9167% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1855% | 2,756 |
| Memoranda: | ||
| Average total assets | $84,929,333 | 4,140 |
| Average earning assets | $76,357,000 | 4,164 |
| Average equity | $6,823,333 | 4,335 |
| Average total loans | $61,023,333 | 3,772 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 350 |
| Cost of funding earning assets | 0.1310% | 3,759 |
| Net interest margin | 4.3219% | 229 |
| Noninterest income to average assets | 0.6436% | 1,516 |
| Noninterest expense to average assets | 3.7635% | 325 |
| Loan and lease loss provision to assets | 0.3685% | 153 |
| Net operating income to assets | 0.3046% | 4,136 |
| Return on assets (ROA) | 0.3046% | 4,107 |
| Pretax return on assets | 0.4029% | 4,030 |
| Return on Equity (ROE) | 3.6719% | 3,955 |
| Retained earnings to average equity (ytd only) | 3.6719% | 3,048 |
| Net charge-offs to loans | 1.3168% | 56 |
| Credit loss provision to net charge-offs | 37.5000% | 1,237 |
| Earnings coverage of net charge-offs (x) | 0.7850% | 1,758 |
| Efficiency ratio | 82.9902% | 916 |
| Assets per employee ($millions) | 3.4544% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 1,361 |
| Loan loss allowance to noncurrent loans | 134.0000% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 529 |
| Noncurrent loans to loans | 1.1688% | 754 |
| Net loans and leases to total assets | 68.2611% | 1,185 |
| Net loans and leases to deposits | 74.2606% | 1,581 |
| Net loans and leases to core deposits | 76.5985% | 1,738 |
| Total domestic deposits to total assets | 91.9211% | 606 |
| Equity capital to assets | 7.8554% | 3,681 |
| Core capital (leverage) ratio | 8.8012% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2472% | 2,839 |
| Memoranda: | ||
| Average total assets | $81,413,500 | 4,205 |
| Average earning assets | $73,300,500 | 4,222 |
| Average equity | $6,754,000 | 4,386 |
| Average total loans | $60,754,500 | 3,782 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 248 |
| Cost of funding earning assets | 0.3200% | 2,196 |
| Net interest margin | 4.7368% | 195 |
| Noninterest income to average assets | 0.7584% | 1,571 |
| Noninterest expense to average assets | 3.8921% | 319 |
| Loan and lease loss provision to assets | 0.3920% | 176 |
| Net operating income to assets | 0.6097% | 3,850 |
| Return on assets (ROA) | 0.6097% | 3,897 |
| Pretax return on assets | 0.7368% | 3,860 |
| Return on Equity (ROE) | 6.9276% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.9276% | 1,946 |
| Net charge-offs to loans | 0.1198% | 754 |
| Credit loss provision to net charge-offs | 397.2603% | 912 |
| Earnings coverage of net charge-offs (x) | 11.4384% | 2,155 |
| Efficiency ratio | 77.5175% | 993 |
| Assets per employee ($millions) | 3.0586% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 999 |
| Loan loss allowance to noncurrent loans | 112.0253% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.4229% | 306 |
| Noncurrent loans to loans | 1.5385% | 581 |
| Net loans and leases to total assets | 79.1960% | 310 |
| Net loans and leases to deposits | 87.0837% | 709 |
| Net loans and leases to core deposits | 91.7323% | 895 |
| Total domestic deposits to total assets | 90.9424% | 514 |
| Equity capital to assets | 8.7935% | 3,814 |
| Core capital (leverage) ratio | 8.8010% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2166% | 2,834 |
| Memoranda: | ||
| Average total assets | $73,970,200 | 4,289 |
| Average earning assets | $66,563,600 | 4,306 |
| Average equity | $6,510,200 | 4,475 |
| Average total loans | $60,910,600 | 3,798 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0760% | 266 |
| Cost of funding earning assets | 0.3473% | 2,143 |
| Net interest margin | 4.7287% | 215 |
| Noninterest income to average assets | 0.7562% | 1,653 |
| Noninterest expense to average assets | 3.7520% | 355 |
| Loan and lease loss provision to assets | 0.3913% | 167 |
| Net operating income to assets | 0.7289% | 3,697 |
| Return on assets (ROA) | 0.7289% | 3,760 |
| Pretax return on assets | 0.8707% | 3,756 |
| Return on Equity (ROE) | 8.2805% | 3,323 |
| Retained earnings to average equity (ytd only) | 8.2805% | 1,961 |
| Net charge-offs to loans | 0.2525% | 325 |
| Credit loss provision to net charge-offs | 186.9565% | 1,240 |
| Earnings coverage of net charge-offs (x) | 6.0348% | 2,197 |
| Efficiency ratio | 74.8368% | 1,146 |
| Assets per employee ($millions) | 3.1369% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 1,447 |
| Loan loss allowance to noncurrent loans | 83.1283% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.7587% | 244 |
| Noncurrent loans to loans | 1.8711% | 496 |
| Net loans and leases to total assets | 79.5285% | 315 |
| Net loans and leases to deposits | 87.5285% | 739 |
| Net loans and leases to core deposits | 93.7567% | 836 |
| Total domestic deposits to total assets | 90.8601% | 413 |
| Equity capital to assets | 8.8650% | 3,951 |
| Core capital (leverage) ratio | 8.9621% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3401% | 2,895 |
| Memoranda: | ||
| Average total assets | $73,346,250 | 4,353 |
| Average earning assets | $66,034,750 | 4,368 |
| Average equity | $6,456,750 | 4,547 |
| Average total loans | $60,733,250 | 3,856 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1476% | 273 |
| Cost of funding earning assets | 0.3753% | 2,088 |
| Net interest margin | 4.7723% | 228 |
| Noninterest income to average assets | 0.7345% | 1,703 |
| Noninterest expense to average assets | 3.8569% | 320 |
| Loan and lease loss provision to assets | 0.3851% | 176 |
| Net operating income to assets | 0.6382% | 3,901 |
| Return on assets (ROA) | 0.6382% | 3,962 |
| Pretax return on assets | 0.7950% | 3,873 |
| Return on Equity (ROE) | 7.2678% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.2678% | 2,331 |
| Net charge-offs to loans | 0.1878% | 453 |
| Credit loss provision to net charge-offs | 245.6140% | 969 |
| Earnings coverage of net charge-offs (x) | 7.5263% | 1,918 |
| Efficiency ratio | 76.5702% | 1,024 |
| Assets per employee ($millions) | 3.0838% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 1,464 |
| Loan loss allowance to noncurrent loans | 106.5442% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 412 |
| Noncurrent loans to loans | 1.4429% | 802 |
| Net loans and leases to total assets | 80.3059% | 297 |
| Net loans and leases to deposits | 88.0873% | 772 |
| Net loans and leases to core deposits | 93.9180% | 905 |
| Total domestic deposits to total assets | 91.1663% | 323 |
| Equity capital to assets | 8.7891% | 3,985 |
| Core capital (leverage) ratio | 8.9100% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2354% | 2,912 |
| Memoranda: | ||
| Average total assets | $72,700,000 | 4,389 |
| Average earning assets | $65,544,667 | 4,399 |
| Average equity | $6,384,333 | 4,580 |
| Average total loans | $60,704,667 | 3,884 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1839% | 278 |
| Cost of funding earning assets | 0.4105% | 2,006 |
| Net interest margin | 4.7733% | 246 |
| Noninterest income to average assets | 0.7162% | 1,820 |
| Noninterest expense to average assets | 3.9976% | 285 |
| Loan and lease loss provision to assets | 0.3609% | 230 |
| Net operating income to assets | 0.5608% | 4,040 |
| Return on assets (ROA) | 0.5608% | 4,087 |
| Pretax return on assets | 0.6829% | 4,054 |
| Return on Equity (ROE) | 6.3884% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.3884% | 2,766 |
| Net charge-offs to loans | -0.0657% | 4,495 |
| Credit loss provision to net charge-offs | -650.0000% | 3,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2952% | 866 |
| Assets per employee ($millions) | 3.0188% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,621 |
| Loan loss allowance to noncurrent loans | 129.9013% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 1.2353% | 598 |
| Noncurrent loans to loans | 1.1521% | 1,156 |
| Net loans and leases to total assets | 83.6692% | 163 |
| Net loans and leases to deposits | 91.8930% | 600 |
| Net loans and leases to core deposits | 98.5323% | 782 |
| Total domestic deposits to total assets | 91.0506% | 382 |
| Equity capital to assets | 8.7989% | 3,877 |
| Core capital (leverage) ratio | 9.0251% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9602% | 2,937 |
| Memoranda: | ||
| Average total assets | $72,044,000 | 4,411 |
| Average earning assets | $65,279,500 | 4,420 |
| Average equity | $6,324,000 | 4,605 |
| Average total loans | $60,875,000 | 3,901 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3613% | 232 |
| Cost of funding earning assets | 0.8590% | 990 |
| Net interest margin | 4.5023% | 329 |
| Noninterest income to average assets | 0.9540% | 1,137 |
| Noninterest expense to average assets | 3.8260% | 446 |
| Loan and lease loss provision to assets | 0.4663% | 581 |
| Net operating income to assets | 0.6004% | 3,755 |
| Return on assets (ROA) | 0.6004% | 3,869 |
| Pretax return on assets | 0.6902% | 3,901 |
| Return on Equity (ROE) | 7.1968% | 3,128 |
| Retained earnings to average equity (ytd only) | 4.4617% | 2,556 |
| Net charge-offs to loans | 0.1990% | 867 |
| Credit loss provision to net charge-offs | 297.2727% | 1,747 |
| Earnings coverage of net charge-offs (x) | 7.3727% | 2,699 |
| Efficiency ratio | 76.7888% | 1,142 |
| Assets per employee ($millions) | 3.1174% | 4,787 |
| Cash dividends to net income (ytd only)* | 38.0048% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,951 |
| Loan loss allowance to noncurrent loans | 159.3220% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 951 |
| Noncurrent loans to loans | 0.8819% | 1,604 |
| Net loans and leases to total assets | 82.7936% | 243 |
| Net loans and leases to deposits | 90.9304% | 856 |
| Net loans and leases to core deposits | 97.9587% | 1,010 |
| Total domestic deposits to total assets | 91.0516% | 216 |
| Equity capital to assets | 8.8382% | 4,189 |
| Core capital (leverage) ratio | 8.9686% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7736% | 2,975 |
| Memoranda: | ||
| Average total assets | $70,125,000 | 4,385 |
| Average earning assets | $62,745,600 | 4,405 |
| Average equity | $5,849,800 | 4,658 |
| Average total loans | $55,275,200 | 3,992 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4698% | 245 |
| Cost of funding earning assets | 0.9568% | 888 |
| Net interest margin | 4.5130% | 362 |
| Noninterest income to average assets | 1.0382% | 967 |
| Noninterest expense to average assets | 3.7935% | 460 |
| Loan and lease loss provision to assets | 0.5163% | 558 |
| Net operating income to assets | 0.5889% | 3,799 |
| Return on assets (ROA) | 0.5889% | 3,900 |
| Pretax return on assets | 0.7419% | 3,794 |
| Return on Equity (ROE) | 7.1693% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.1693% | 1,625 |
| Net charge-offs to loans | 0.1628% | 906 |
| Credit loss provision to net charge-offs | 409.0909% | 1,444 |
| Earnings coverage of net charge-offs (x) | 9.9697% | 2,390 |
| Efficiency ratio | 75.0946% | 1,290 |
| Assets per employee ($millions) | 3.0245% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 1,517 |
| Loan loss allowance to noncurrent loans | 193.0394% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 1,300 |
| Noncurrent loans to loans | 0.7541% | 1,921 |
| Net loans and leases to total assets | 80.9712% | 526 |
| Net loans and leases to deposits | 88.5504% | 1,425 |
| Net loans and leases to core deposits | 95.5877% | 1,492 |
| Total domestic deposits to total assets | 91.4409% | 108 |
| Equity capital to assets | 8.4600% | 4,484 |
| Core capital (leverage) ratio | 8.2613% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6552% | 2,999 |
| Memoranda: | ||
| Average total assets | $69,731,250 | 4,399 |
| Average earning assets | $62,011,250 | 4,429 |
| Average equity | $5,728,000 | 4,692 |
| Average total loans | $54,041,750 | 4,048 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 308 |
| Cost of funding earning assets | 1.0263% | 908 |
| Net interest margin | 4.5260% | 477 |
| Noninterest income to average assets | 1.1779% | 720 |
| Noninterest expense to average assets | 3.8345% | 482 |
| Loan and lease loss provision to assets | 0.5588% | 590 |
| Net operating income to assets | 0.6248% | 3,656 |
| Return on assets (ROA) | 0.6248% | 3,733 |
| Pretax return on assets | 0.7910% | 3,617 |
| Return on Equity (ROE) | 7.6819% | 2,869 |
| Retained earnings to average equity (ytd only) | 7.6819% | 1,406 |
| Net charge-offs to loans | 0.3321% | 491 |
| Credit loss provision to net charge-offs | 221.5909% | 1,837 |
| Earnings coverage of net charge-offs (x) | 5.3523% | 2,519 |
| Efficiency ratio | 73.9635% | 1,467 |
| Assets per employee ($millions) | 3.5927% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 1,976 |
| Loan loss allowance to noncurrent loans | 150.5112% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 1,049 |
| Noncurrent loans to loans | 0.8676% | 1,756 |
| Net loans and leases to total assets | 70.3745% | 1,971 |
| Net loans and leases to deposits | 76.0701% | 2,852 |
| Net loans and leases to core deposits | 80.8994% | 2,880 |
| Total domestic deposits to total assets | 92.5127% | 26 |
| Equity capital to assets | 7.3317% | 4,919 |
| Core capital (leverage) ratio | 7.9274% | 4,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2847% | 3,126 |
| Memoranda: | ||
| Average total assets | $69,787,333 | 4,401 |
| Average earning assets | $61,776,333 | 4,441 |
| Average equity | $5,675,667 | 4,724 |
| Average total loans | $53,003,000 | 4,080 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0540% | 151 |
| Cost of funding earning assets | 1.2066% | 758 |
| Net interest margin | 4.8474% | 250 |
| Noninterest income to average assets | 0.8349% | 1,208 |
| Noninterest expense to average assets | 4.1313% | 439 |
| Loan and lease loss provision to assets | 0.4297% | 705 |
| Net operating income to assets | 0.4911% | 3,918 |
| Return on assets (ROA) | 0.4911% | 3,972 |
| Pretax return on assets | 0.5402% | 4,055 |
| Return on Equity (ROE) | 5.6980% | 3,424 |
| Retained earnings to average equity (ytd only) | 5.6980% | 1,993 |
| Net charge-offs to loans | 0.4988% | 290 |
| Credit loss provision to net charge-offs | 109.3750% | 1,762 |
| Earnings coverage of net charge-offs (x) | 2.4688% | 2,286 |
| Efficiency ratio | 80.9868% | 1,046 |
| Assets per employee ($millions) | 2.9651% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,554 |
| Loan loss allowance to noncurrent loans | 109.6718% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.3490% | 852 |
| Noncurrent loans to loans | 1.1137% | 1,486 |
| Net loans and leases to total assets | 78.7209% | 878 |
| Net loans and leases to deposits | 86.3567% | 1,955 |
| Net loans and leases to core deposits | 92.4096% | 2,116 |
| Total domestic deposits to total assets | 91.1578% | 93 |
| Equity capital to assets | 8.6705% | 4,757 |
| Core capital (leverage) ratio | 8.5353% | 4,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0135% | 3,097 |
| Memoranda: | ||
| Average total assets | $65,161,000 | 4,481 |
| Average earning assets | $57,350,500 | 4,521 |
| Average equity | $5,616,000 | 4,771 |
| Average total loans | $51,324,500 | 4,132 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5374% | 106 |
| Cost of funding earning assets | 1.0427% | 1,546 |
| Net interest margin | 5.4946% | 115 |
| Noninterest income to average assets | 0.9368% | 1,104 |
| Noninterest expense to average assets | 4.2545% | 395 |
| Loan and lease loss provision to assets | 0.3306% | 479 |
| Net operating income to assets | 0.8963% | 3,218 |
| Return on assets (ROA) | 0.8963% | 3,303 |
| Pretax return on assets | 1.1686% | 2,954 |
| Return on Equity (ROE) | 10.0795% | 2,263 |
| Retained earnings to average equity (ytd only) | 5.4498% | 2,190 |
| Net charge-offs to loans | 0.4262% | 454 |
| Credit loss provision to net charge-offs | 90.2655% | 2,651 |
| Earnings coverage of net charge-offs (x) | 4.0929% | 3,259 |
| Efficiency ratio | 73.9437% | 1,611 |
| Assets per employee ($millions) | 3.0995% | 4,765 |
| Cash dividends to net income (ytd only)* | 45.9313% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,221 |
| Loan loss allowance to noncurrent loans | 198.4227% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 1,338 |
| Noncurrent loans to loans | 0.6257% | 2,324 |
| Net loans and leases to total assets | 76.8686% | 1,281 |
| Net loans and leases to deposits | 84.1768% | 2,310 |
| Net loans and leases to core deposits | 90.8337% | 2,341 |
| Total domestic deposits to total assets | 91.3180% | 83 |
| Equity capital to assets | 8.5667% | 4,883 |
| Core capital (leverage) ratio | 8.9132% | 4,589 |
| Tier 1 risk-based capital ratio | 11.1224% | 4,812 |
| Total risk-based capital ratio | 12.3711% | 4,701 |
| Memoranda: | ||
| Average total assets | $61,700,000 | 4,571 |
| Average earning assets | $54,089,000 | 4,609 |
| Average equity | $5,486,400 | 4,828 |
| Average total loans | $53,030,800 | 4,123 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6019% | 100 |
| Cost of funding earning assets | 1.0151% | 1,701 |
| Net interest margin | 5.5867% | 103 |
| Noninterest income to average assets | 0.9465% | 1,050 |
| Noninterest expense to average assets | 4.4127% | 326 |
| Loan and lease loss provision to assets | 0.3352% | 411 |
| Net operating income to assets | 0.8304% | 3,574 |
| Return on assets (ROA) | 0.8304% | 3,656 |
| Pretax return on assets | 1.1065% | 3,278 |
| Return on Equity (ROE) | 9.2482% | 2,780 |
| Retained earnings to average equity (ytd only) | 9.2482% | 976 |
| Net charge-offs to loans | 0.5072% | 334 |
| Credit loss provision to net charge-offs | 75.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 3.2255% | 3,122 |
| Efficiency ratio | 75.3743% | 1,403 |
| Assets per employee ($millions) | 2.9524% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 2,973 |
| Loan loss allowance to noncurrent loans | 167.7871% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.0806% | 1,217 |
| Noncurrent loans to loans | 0.6620% | 2,302 |
| Net loans and leases to total assets | 86.0067% | 191 |
| Net loans and leases to deposits | 98.4237% | 772 |
| Net loans and leases to core deposits | 105.1547% | 1,247 |
| Total domestic deposits to total assets | 87.3841% | 1,320 |
| Equity capital to assets | 9.1257% | 4,711 |
| Core capital (leverage) ratio | 9.2536% | 4,422 |
| Tier 1 risk-based capital ratio | 10.8370% | 4,973 |
| Total risk-based capital ratio | 11.9843% | 4,919 |
| Memoranda: | ||
| Average total assets | $60,852,750 | 4,643 |
| Average earning assets | $53,458,500 | 4,687 |
| Average equity | $5,464,000 | 4,896 |
| Average total loans | $53,623,000 | 4,156 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5685% | 105 |
| Cost of funding earning assets | 1.0244% | 1,586 |
| Net interest margin | 5.5441% | 119 |
| Noninterest income to average assets | 0.9459% | 978 |
| Noninterest expense to average assets | 4.4319% | 325 |
| Loan and lease loss provision to assets | 0.3374% | 384 |
| Net operating income to assets | 0.7938% | 3,679 |
| Return on assets (ROA) | 0.7938% | 3,739 |
| Pretax return on assets | 1.0451% | 3,402 |
| Return on Equity (ROE) | 8.8900% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.8900% | 1,065 |
| Net charge-offs to loans | 0.1457% | 1,062 |
| Credit loss provision to net charge-offs | 261.5385% | 986 |
| Earnings coverage of net charge-offs (x) | 10.7179% | 2,243 |
| Efficiency ratio | 76.2230% | 1,362 |
| Assets per employee ($millions) | 2.7409% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 1,889 |
| Loan loss allowance to noncurrent loans | 221.4286% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 1,299 |
| Noncurrent loans to loans | 0.6006% | 2,471 |
| Net loans and leases to total assets | 87.7297% | 125 |
| Net loans and leases to deposits | 97.3196% | 904 |
| Net loans and leases to core deposits | 100.4844% | 1,678 |
| Total domestic deposits to total assets | 90.1459% | 298 |
| Equity capital to assets | 9.1509% | 4,694 |
| Core capital (leverage) ratio | 9.0184% | 4,616 |
| Tier 1 risk-based capital ratio | 10.7572% | 5,012 |
| Total risk-based capital ratio | 12.0087% | 4,925 |
| Memoranda: | ||
| Average total assets | $60,470,000 | 4,685 |
| Average earning assets | $53,101,670 | 4,723 |
| Average equity | $5,399,330 | 4,936 |
| Average total loans | $53,522,670 | 4,187 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5459% | 115 |
| Cost of funding earning assets | 0.9491% | 1,798 |
| Net interest margin | 5.5968% | 101 |
| Noninterest income to average assets | 0.9050% | 1,032 |
| Noninterest expense to average assets | 4.3927% | 336 |
| Loan and lease loss provision to assets | 0.3369% | 360 |
| Net operating income to assets | 0.8059% | 3,598 |
| Return on assets (ROA) | 0.8059% | 3,639 |
| Pretax return on assets | 1.0833% | 3,196 |
| Return on Equity (ROE) | 9.1386% | 2,744 |
| Retained earnings to average equity (ytd only) | 9.1386% | 1,266 |
| Net charge-offs to loans | 0.1720% | 797 |
| Credit loss provision to net charge-offs | 221.7391% | 988 |
| Earnings coverage of net charge-offs (x) | 9.3478% | 2,038 |
| Efficiency ratio | 75.5682% | 1,549 |
| Assets per employee ($millions) | 2.8035% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,290 |
| Loan loss allowance to noncurrent loans | 188.0886% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.2874% | 1,024 |
| Noncurrent loans to loans | 0.6682% | 2,348 |
| Net loans and leases to total assets | 86.4893% | 162 |
| Net loans and leases to deposits | 98.9281% | 701 |
| Net loans and leases to core deposits | 103.3899% | 1,359 |
| Total domestic deposits to total assets | 87.4264% | 1,603 |
| Equity capital to assets | 8.7569% | 4,852 |
| Core capital (leverage) ratio | 8.8255% | 4,773 |
| Tier 1 risk-based capital ratio | 9.8400% | 5,304 |
| Total risk-based capital ratio | 11.0771% | 5,273 |
| Memoranda: | ||
| Average total assets | $60,555,000 | 4,737 |
| Average earning assets | $53,102,000 | 4,776 |
| Average equity | $5,340,000 | 4,987 |
| Average total loans | $53,477,000 | 4,231 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0523% | 154 |
| Cost of funding earning assets | 0.7468% | 1,808 |
| Net interest margin | 5.3055% | 159 |
| Noninterest income to average assets | 0.9546% | 1,055 |
| Noninterest expense to average assets | 3.9408% | 582 |
| Loan and lease loss provision to assets | 0.4459% | 287 |
| Net operating income to assets | 1.0075% | 2,972 |
| Return on assets (ROA) | 1.0075% | 2,959 |
| Pretax return on assets | 1.2734% | 2,600 |
| Return on Equity (ROE) | 11.6979% | 1,822 |
| Retained earnings to average equity (ytd only) | 6.2133% | 2,084 |
| Net charge-offs to loans | 0.3246% | 597 |
| Credit loss provision to net charge-offs | 156.9767% | 1,767 |
| Earnings coverage of net charge-offs (x) | 6.0523% | 3,129 |
| Efficiency ratio | 69.6236% | 2,260 |
| Assets per employee ($millions) | 2.7015% | 5,140 |
| Cash dividends to net income (ytd only)* | 46.8852% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,420 |
| Loan loss allowance to noncurrent loans | 192.3077% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2973% | 986 |
| Noncurrent loans to loans | 0.6386% | 2,387 |
| Net loans and leases to total assets | 87.9663% | 119 |
| Net loans and leases to deposits | 96.7128% | 1,002 |
| Net loans and leases to core deposits | 101.0515% | 1,636 |
| Total domestic deposits to total assets | 90.9562% | 214 |
| Equity capital to assets | 8.8823% | 4,674 |
| Core capital (leverage) ratio | 8.7592% | 4,841 |
| Tier 1 risk-based capital ratio | 10.3550% | 5,230 |
| Total risk-based capital ratio | 11.6046% | 5,142 |
| Memoranda: | ||
| Average total assets | $60,546,800 | 4,754 |
| Average earning assets | $53,698,800 | 4,790 |
| Average equity | $5,214,600 | 5,016 |
| Average total loans | $52,982,800 | 4,241 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9254% | 173 |
| Cost of funding earning assets | 0.7289% | 1,690 |
| Net interest margin | 5.1965% | 181 |
| Noninterest income to average assets | 0.9579% | 1,041 |
| Noninterest expense to average assets | 3.9325% | 567 |
| Loan and lease loss provision to assets | 0.3836% | 334 |
| Net operating income to assets | 0.9908% | 3,120 |
| Return on assets (ROA) | 0.9908% | 3,129 |
| Pretax return on assets | 1.2516% | 2,805 |
| Return on Equity (ROE) | 11.5928% | 1,959 |
| Retained earnings to average equity (ytd only) | 11.5928% | 537 |
| Net charge-offs to loans | 0.3623% | 448 |
| Credit loss provision to net charge-offs | 121.5278% | 1,970 |
| Earnings coverage of net charge-offs (x) | 5.1804% | 2,982 |
| Efficiency ratio | 70.6299% | 2,099 |
| Assets per employee ($millions) | 2.6234% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 3,102 |
| Loan loss allowance to noncurrent loans | 107.7491% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.2264% | 1,133 |
| Noncurrent loans to loans | 1.0354% | 1,652 |
| Net loans and leases to total assets | 85.7900% | 283 |
| Net loans and leases to deposits | 94.5686% | 1,315 |
| Net loans and leases to core deposits | 98.1866% | 1,921 |
| Total domestic deposits to total assets | 90.7173% | 287 |
| Equity capital to assets | 8.9612% | 4,584 |
| Core capital (leverage) ratio | 9.0891% | 4,619 |
| Tier 1 risk-based capital ratio | 11.0347% | 5,022 |
| Total risk-based capital ratio | 12.2265% | 4,940 |
| Memoranda: | ||
| Average total assets | $60,825,250 | 4,795 |
| Average earning assets | $53,958,500 | 4,840 |
| Average equity | $5,198,500 | 5,077 |
| Average total loans | $52,995,750 | 4,291 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8457% | 185 |
| Cost of funding earning assets | 0.6756% | 1,769 |
| Net interest margin | 5.1701% | 180 |
| Noninterest income to average assets | 0.9379% | 1,082 |
| Noninterest expense to average assets | 3.7942% | 677 |
| Loan and lease loss provision to assets | 0.4263% | 279 |
| Net operating income to assets | 1.0560% | 2,775 |
| Return on assets (ROA) | 1.0560% | 2,770 |
| Pretax return on assets | 1.3347% | 2,380 |
| Return on Equity (ROE) | 12.5561% | 1,521 |
| Retained earnings to average equity (ytd only) | 12.5561% | 442 |
| Net charge-offs to loans | 0.3232% | 494 |
| Credit loss provision to net charge-offs | 151.1628% | 1,572 |
| Earnings coverage of net charge-offs (x) | 6.2442% | 2,647 |
| Efficiency ratio | 68.2999% | 2,591 |
| Assets per employee ($millions) | 2.6353% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,786 |
| Loan loss allowance to noncurrent loans | 108.3485% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 1,157 |
| Noncurrent loans to loans | 1.0981% | 1,607 |
| Net loans and leases to total assets | 81.7993% | 728 |
| Net loans and leases to deposits | 96.1338% | 1,121 |
| Net loans and leases to core deposits | 105.3928% | 1,286 |
| Total domestic deposits to total assets | 85.0890% | 2,637 |
| Equity capital to assets | 8.7077% | 4,795 |
| Core capital (leverage) ratio | 8.7784% | 4,902 |
| Tier 1 risk-based capital ratio | 11.0142% | 5,050 |
| Total risk-based capital ratio | 12.2600% | 4,951 |
| Memoranda: | ||
| Average total assets | $60,987,670 | 4,855 |
| Average earning assets | $54,467,000 | 4,888 |
| Average equity | $5,129,000 | 5,145 |
| Average total loans | $53,211,670 | 4,324 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8471% | 170 |
| Cost of funding earning assets | 0.6456% | 1,744 |
| Net interest margin | 5.2015% | 158 |
| Noninterest income to average assets | 0.9350% | 1,060 |
| Noninterest expense to average assets | 3.2562% | 1,439 |
| Loan and lease loss provision to assets | 0.5558% | 188 |
| Net operating income to assets | 1.3012% | 1,637 |
| Return on assets (ROA) | 1.3012% | 1,642 |
| Pretax return on assets | 1.7589% | 988 |
| Return on Equity (ROE) | 15.7483% | 666 |
| Retained earnings to average equity (ytd only) | 15.7483% | 264 |
| Net charge-offs to loans | 0.8040% | 179 |
| Credit loss provision to net charge-offs | 77.2727% | 1,769 |
| Earnings coverage of net charge-offs (x) | 3.2182% | 2,405 |
| Efficiency ratio | 58.4507% | 4,289 |
| Assets per employee ($millions) | 2.7579% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 4,114 |
| Loan loss allowance to noncurrent loans | 109.3361% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.1208% | 1,382 |
| Noncurrent loans to loans | 0.8874% | 2,054 |
| Net loans and leases to total assets | 88.6572% | 102 |
| Net loans and leases to deposits | 103.8677% | 482 |
| Net loans and leases to core deposits | 113.5790% | 825 |
| Total domestic deposits to total assets | 85.3559% | 2,804 |
| Equity capital to assets | 8.4947% | 4,976 |
| Core capital (leverage) ratio | 8.6079% | 5,055 |
| Tier 1 risk-based capital ratio | 10.0988% | 5,476 |
| Total risk-based capital ratio | 11.1314% | 5,474 |
| Memoranda: | ||
| Average total assets | $61,175,000 | 4,901 |
| Average earning assets | $54,522,500 | 4,945 |
| Average equity | $5,054,500 | 5,210 |
| Average total loans | $54,728,500 | 4,333 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9615% | 143 |
| Cost of funding earning assets | 0.4266% | 2,989 |
| Net interest margin | 5.5349% | 99 |
| Noninterest income to average assets | 1.0770% | 877 |
| Noninterest expense to average assets | 4.5009% | 315 |
| Loan and lease loss provision to assets | 0.4863% | 274 |
| Net operating income to assets | 0.5270% | 4,304 |
| Return on assets (ROA) | 0.5385% | 4,301 |
| Pretax return on assets | 0.9456% | 3,754 |
| Return on Equity (ROE) | 6.0287% | 3,745 |
| Retained earnings to average equity (ytd only) | 1.5929% | 4,356 |
| Net charge-offs to loans | 0.2917% | 898 |
| Credit loss provision to net charge-offs | 191.4894% | 1,427 |
| Earnings coverage of net charge-offs (x) | 5.5674% | 3,307 |
| Efficiency ratio | 76.0962% | 1,601 |
| Assets per employee ($millions) | 2.8035% | 5,320 |
| Cash dividends to net income (ytd only)* | 73.5786% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,921 |
| Loan loss allowance to noncurrent loans | 258.4112% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 2,310 |
| Noncurrent loans to loans | 0.3881% | 3,371 |
| Net loans and leases to total assets | 88.5030% | 117 |
| Net loans and leases to deposits | 107.1743% | 348 |
| Net loans and leases to core deposits | 110.9314% | 957 |
| Total domestic deposits to total assets | 82.5786% | 3,704 |
| Equity capital to assets | 8.0338% | 5,382 |
| Core capital (leverage) ratio | 8.2187% | 5,341 |
| Tier 1 risk-based capital ratio | 9.8556% | 5,559 |
| Total risk-based capital ratio | 10.9555% | 5,550 |
| Memoranda: | ||
| Average total assets | $55,522,800 | 5,052 |
| Average earning assets | $48,528,200 | 5,096 |
| Average equity | $4,959,600 | 5,278 |
| Average total loans | $48,341,000 | 4,505 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8682% | 152 |
| Cost of funding earning assets | 0.3861% | 3,319 |
| Net interest margin | 5.4821% | 106 |
| Noninterest income to average assets | 1.1238% | 802 |
| Noninterest expense to average assets | 4.6358% | 281 |
| Loan and lease loss provision to assets | 0.4569% | 281 |
| Net operating income to assets | 0.5112% | 4,701 |
| Return on assets (ROA) | 0.5112% | 4,733 |
| Pretax return on assets | 0.8002% | 4,349 |
| Return on Equity (ROE) | 5.5635% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.5635% | 2,497 |
| Net charge-offs to loans | 0.2916% | 731 |
| Credit loss provision to net charge-offs | 181.3725% | 1,460 |
| Earnings coverage of net charge-offs (x) | 4.9901% | 3,162 |
| Efficiency ratio | 78.6672% | 1,251 |
| Assets per employee ($millions) | 2.6645% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 4,176 |
| Loan loss allowance to noncurrent loans | 332.8947% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.7233% | 2,343 |
| Noncurrent loans to loans | 0.2951% | 3,880 |
| Net loans and leases to total assets | 87.0196% | 203 |
| Net loans and leases to deposits | 98.0245% | 912 |
| Net loans and leases to core deposits | 104.5009% | 1,355 |
| Total domestic deposits to total assets | 88.7733% | 989 |
| Equity capital to assets | 8.6781% | 5,162 |
| Core capital (leverage) ratio | 9.1242% | 4,609 |
| Tier 1 risk-based capital ratio | 10.6196% | 5,409 |
| Total risk-based capital ratio | 11.6769% | 5,413 |
| Memoranda: | ||
| Average total assets | $53,984,250 | 5,139 |
| Average earning assets | $46,963,750 | 5,180 |
| Average equity | $4,960,750 | 5,335 |
| Average total loans | $46,641,500 | 4,591 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 166 |
| Cost of funding earning assets | 0.3518% | 3,561 |
| Net interest margin | 5.4480% | 109 |
| Noninterest income to average assets | 1.1442% | 764 |
| Noninterest expense to average assets | 4.8094% | 249 |
| Loan and lease loss provision to assets | 0.5340% | 210 |
| Net operating income to assets | 0.3204% | 5,172 |
| Return on assets (ROA) | 0.3204% | 5,193 |
| Pretax return on assets | 0.5263% | 4,960 |
| Return on Equity (ROE) | 3.4156% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.4156% | 3,676 |
| Net charge-offs to loans | 0.4443% | 450 |
| Credit loss provision to net charge-offs | 140.0000% | 1,597 |
| Earnings coverage of net charge-offs (x) | 2.7800% | 3,129 |
| Efficiency ratio | 81.9363% | 1,013 |
| Assets per employee ($millions) | 2.4469% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 4,259 |
| Loan loss allowance to noncurrent loans | 276.1905% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 2,165 |
| Noncurrent loans to loans | 0.3554% | 3,757 |
| Net loans and leases to total assets | 86.9573% | 206 |
| Net loans and leases to deposits | 98.4293% | 856 |
| Net loans and leases to core deposits | 103.7962% | 1,365 |
| Total domestic deposits to total assets | 88.3450% | 1,279 |
| Equity capital to assets | 9.2252% | 4,702 |
| Core capital (leverage) ratio | 9.3528% | 4,287 |
| Tier 1 risk-based capital ratio | 10.9810% | 5,260 |
| Total risk-based capital ratio | 12.0081% | 5,285 |
| Memoranda: | ||
| Average total assets | $52,439,330 | 5,204 |
| Average earning assets | $45,484,330 | 5,250 |
| Average equity | $4,918,670 | 5,379 |
| Average total loans | $45,016,670 | 4,659 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7738% | 164 |
| Cost of funding earning assets | 0.3497% | 3,535 |
| Net interest margin | 5.4241% | 118 |
| Noninterest income to average assets | 1.1828% | 727 |
| Noninterest expense to average assets | 5.0557% | 228 |
| Loan and lease loss provision to assets | 0.7344% | 138 |
| Net operating income to assets | 0.1933% | 5,403 |
| Return on assets (ROA) | 0.1933% | 5,417 |
| Pretax return on assets | 0.0696% | 5,555 |
| Return on Equity (ROE) | 2.0429% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.0429% | 4,320 |
| Net charge-offs to loans | 0.6836% | 260 |
| Credit loss provision to net charge-offs | 126.6667% | 1,337 |
| Earnings coverage of net charge-offs (x) | 1.3867% | 2,738 |
| Efficiency ratio | 86.2797% | 790 |
| Assets per employee ($millions) | 2.7017% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 4,416 |
| Loan loss allowance to noncurrent loans | 222.0000% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 2,122 |
| Noncurrent loans to loans | 0.4393% | 3,519 |
| Net loans and leases to total assets | 83.4308% | 419 |
| Net loans and leases to deposits | 95.8110% | 945 |
| Net loans and leases to core deposits | 101.0853% | 1,439 |
| Total domestic deposits to total assets | 87.0785% | 2,175 |
| Equity capital to assets | 9.0813% | 4,731 |
| Core capital (leverage) ratio | 9.6355% | 3,948 |
| Tier 1 risk-based capital ratio | 11.5486% | 4,997 |
| Total risk-based capital ratio | 12.5948% | 5,024 |
| Memoranda: | ||
| Average total assets | $51,743,500 | 5,277 |
| Average earning assets | $44,615,500 | 5,330 |
| Average equity | $4,895,000 | 5,435 |
| Average total loans | $43,888,000 | 4,731 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8097% | 165 |
| Cost of funding earning assets | 0.2464% | 4,598 |
| Net interest margin | 5.5633% | 98 |
| Noninterest income to average assets | 1.3888% | 590 |
| Noninterest expense to average assets | 5.1448% | 241 |
| Loan and lease loss provision to assets | 0.2525% | 828 |
| Net operating income to assets | 0.4503% | 4,797 |
| Return on assets (ROA) | 0.4503% | 4,875 |
| Pretax return on assets | 0.6944% | 4,510 |
| Return on Equity (ROE) | 4.3576% | 4,715 |
| Retained earnings to average equity (ytd only) | 1.0996% | 4,865 |
| Net charge-offs to loans | 0.3907% | 681 |
| Credit loss provision to net charge-offs | 77.9221% | 3,005 |
| Earnings coverage of net charge-offs (x) | 2.9221% | 3,745 |
| Efficiency ratio | 84.4560% | 974 |
| Assets per employee ($millions) | 2.3549% | 5,719 |
| Cash dividends to net income (ytd only)* | 74.7664% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 4,299 |
| Loan loss allowance to noncurrent loans | 128.4848% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.8179% | 804 |
| Noncurrent loans to loans | 0.7810% | 2,566 |
| Net loans and leases to total assets | 84.5793% | 335 |
| Net loans and leases to deposits | 94.2283% | 1,177 |
| Net loans and leases to core deposits | 101.6798% | 1,470 |
| Total domestic deposits to total assets | 89.7600% | 744 |
| Equity capital to assets | 9.8740% | 3,854 |
| Core capital (leverage) ratio | 9.9045% | 3,617 |
| Tier 1 risk-based capital ratio | 12.2784% | 4,518 |
| Total risk-based capital ratio | 13.3461% | 4,541 |
| Memoranda: | ||
| Average total assets | $47,523,800 | 5,396 |
| Average earning assets | $40,174,200 | 5,467 |
| Average equity | $4,911,000 | 5,483 |
| Average total loans | $39,419,600 | 4,894 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8015% | 167 |
| Cost of funding earning assets | 0.2224% | 4,866 |
| Net interest margin | 5.5792% | 101 |
| Noninterest income to average assets | 1.4086% | 598 |
| Noninterest expense to average assets | 5.1471% | 239 |
| Loan and lease loss provision to assets | 0.1701% | 1,337 |
| Net operating income to assets | 0.5130% | 4,650 |
| Return on assets (ROA) | 0.5130% | 4,750 |
| Pretax return on assets | 0.7851% | 4,348 |
| Return on Equity (ROE) | 4.9071% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.9071% | 2,893 |
| Net charge-offs to loans | 0.0517% | 2,629 |
| Credit loss provision to net charge-offs | 400.0000% | 840 |
| Earnings coverage of net charge-offs (x) | 22.4660% | 1,756 |
| Efficiency ratio | 84.3474% | 964 |
| Assets per employee ($millions) | 2.5462% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 3,014 |
| Loan loss allowance to noncurrent loans | 143.4286% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.8976% | 845 |
| Noncurrent loans to loans | 0.8648% | 2,526 |
| Net loans and leases to total assets | 82.6198% | 553 |
| Net loans and leases to deposits | 92.5423% | 1,428 |
| Net loans and leases to core deposits | 94.2021% | 2,175 |
| Total domestic deposits to total assets | 89.2780% | 764 |
| Equity capital to assets | 10.3603% | 3,732 |
| Core capital (leverage) ratio | 10.7180% | 2,766 |
| Tier 1 risk-based capital ratio | 12.8550% | 4,252 |
| Total risk-based capital ratio | 14.1040% | 4,159 |
| Memoranda: | ||
| Average total assets | $47,041,500 | 5,457 |
| Average earning assets | $39,574,750 | 5,534 |
| Average equity | $4,918,000 | 5,538 |
| Average total loans | $38,711,750 | 4,965 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8183% | 157 |
| Cost of funding earning assets | 0.2157% | 4,986 |
| Net interest margin | 5.6026% | 100 |
| Noninterest income to average assets | 1.3778% | 604 |
| Noninterest expense to average assets | 5.2193% | 240 |
| Loan and lease loss provision to assets | 0.1288% | 1,774 |
| Net operating income to assets | 0.4636% | 4,824 |
| Return on assets (ROA) | 0.4636% | 4,912 |
| Pretax return on assets | 0.7125% | 4,578 |
| Return on Equity (ROE) | 4.4202% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.4202% | 3,100 |
| Net charge-offs to loans | 0.0682% | 2,211 |
| Credit loss provision to net charge-offs | 230.7692% | 1,176 |
| Earnings coverage of net charge-offs (x) | 15.0769% | 2,016 |
| Efficiency ratio | 86.1190% | 869 |
| Assets per employee ($millions) | 2.3176% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,373 |
| Loan loss allowance to noncurrent loans | 189.6000% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.7670% | 989 |
| Noncurrent loans to loans | 0.6322% | 3,185 |
| Net loans and leases to total assets | 84.2981% | 398 |
| Net loans and leases to deposits | 94.6559% | 1,223 |
| Net loans and leases to core deposits | 96.4337% | 1,939 |
| Total domestic deposits to total assets | 89.0574% | 893 |
| Equity capital to assets | 10.6600% | 3,457 |
| Core capital (leverage) ratio | 10.6979% | 2,742 |
| Tier 1 risk-based capital ratio | 13.0936% | 4,145 |
| Total risk-based capital ratio | 14.3419% | 4,066 |
| Memoranda: | ||
| Average total assets | $46,596,330 | 5,528 |
| Average earning assets | $38,946,000 | 5,604 |
| Average equity | $4,886,670 | 5,601 |
| Average total loans | $38,125,330 | 5,036 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8360% | 154 |
| Cost of funding earning assets | 0.1977% | 5,226 |
| Net interest margin | 5.6383% | 94 |
| Noninterest income to average assets | 1.3699% | 591 |
| Noninterest expense to average assets | 5.2227% | 242 |
| Loan and lease loss provision to assets | 0.1284% | 1,658 |
| Net operating income to assets | 0.4281% | 4,911 |
| Return on assets (ROA) | 0.4281% | 4,988 |
| Pretax return on assets | 0.6593% | 4,651 |
| Return on Equity (ROE) | 4.1156% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.1156% | 3,427 |
| Net charge-offs to loans | -0.0214% | 4,895 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8946% | 899 |
| Assets per employee ($millions) | 2.3112% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 3,138 |
| Loan loss allowance to noncurrent loans | 235.8209% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 1.6680% | 1,177 |
| Noncurrent loans to loans | 0.5328% | 3,590 |
| Net loans and leases to total assets | 80.5854% | 732 |
| Net loans and leases to deposits | 90.3247% | 1,542 |
| Net loans and leases to core deposits | 93.7908% | 2,013 |
| Total domestic deposits to total assets | 89.2175% | 992 |
| Equity capital to assets | 10.5662% | 3,410 |
| Core capital (leverage) ratio | 10.3243% | 3,162 |
| Tier 1 risk-based capital ratio | 13.4147% | 4,036 |
| Total risk-based capital ratio | 14.6650% | 3,954 |
| Memoranda: | ||
| Average total assets | $46,719,000 | 5,581 |
| Average earning assets | $38,451,000 | 5,674 |
| Average equity | $4,859,500 | 5,647 |
| Average total loans | $37,414,500 | 5,100 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5102% | 258 |
| Cost of funding earning assets | 0.1751% | 5,502 |
| Net interest margin | 5.3352% | 163 |
| Noninterest income to average assets | 1.1951% | 841 |
| Noninterest expense to average assets | 5.3066% | 226 |
| Loan and lease loss provision to assets | 0.1299% | 1,843 |
| Net operating income to assets | 0.1580% | 5,663 |
| Return on assets (ROA) | 0.1580% | 5,711 |
| Pretax return on assets | 0.1797% | 5,707 |
| Return on Equity (ROE) | 1.5080% | 5,683 |
| Retained earnings to average equity (ytd only) | 0.4751% | 5,326 |
| Net charge-offs to loans | 0.1669% | 1,695 |
| Credit loss provision to net charge-offs | 101.6949% | 2,463 |
| Earnings coverage of net charge-offs (x) | 2.4237% | 3,911 |
| Efficiency ratio | 94.4873% | 462 |
| Assets per employee ($millions) | 2.3608% | 5,947 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 3,286 |
| Loan loss allowance to noncurrent loans | 348.8550% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 1,366 |
| Noncurrent loans to loans | 0.3530% | 4,196 |
| Net loans and leases to total assets | 77.6215% | 1,178 |
| Net loans and leases to deposits | 90.9856% | 1,507 |
| Net loans and leases to core deposits | 94.5610% | 1,997 |
| Total domestic deposits to total assets | 85.3119% | 2,945 |
| Equity capital to assets | 10.2404% | 3,694 |
| Core capital (leverage) ratio | 10.5937% | 2,828 |
| Tier 1 risk-based capital ratio | 13.1714% | 4,187 |
| Total risk-based capital ratio | 14.4200% | 4,119 |
| Memoranda: | ||
| Average total assets | $46,188,000 | 5,630 |
| Average earning assets | $38,274,400 | 5,723 |
| Average equity | $4,841,000 | 5,688 |
| Average total loans | $35,349,000 | 5,181 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 264 |
| Cost of funding earning assets | 0.1735% | 5,599 |
| Net interest margin | 5.3296% | 160 |
| Noninterest income to average assets | 1.2105% | 822 |
| Noninterest expense to average assets | 5.3905% | 221 |
| Loan and lease loss provision to assets | 0.1306% | 1,723 |
| Net operating income to assets | 0.1335% | 5,803 |
| Return on assets (ROA) | 0.1335% | 5,845 |
| Pretax return on assets | 0.1480% | 5,845 |
| Return on Equity (ROE) | 1.2665% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.2665% | 5,213 |
| Net charge-offs to loans | 0.1375% | 1,754 |
| Credit loss provision to net charge-offs | 125.0000% | 1,923 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,624 |
| Efficiency ratio | 95.0845% | 452 |
| Assets per employee ($millions) | 2.3285% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 2,521 |
| Loan loss allowance to noncurrent loans | 270.3488% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 1.5933% | 1,398 |
| Noncurrent loans to loans | 0.5240% | 3,771 |
| Net loans and leases to total assets | 69.4804% | 2,465 |
| Net loans and leases to deposits | 77.7532% | 3,121 |
| Net loans and leases to core deposits | 79.2345% | 3,486 |
| Total domestic deposits to total assets | 89.3601% | 834 |
| Equity capital to assets | 10.4381% | 3,663 |
| Core capital (leverage) ratio | 10.5505% | 2,989 |
| Tier 1 risk-based capital ratio | 14.5334% | 3,546 |
| Total risk-based capital ratio | 15.7843% | 3,466 |
| Memoranda: | ||
| Average total assets | $45,931,250 | 5,706 |
| Average earning assets | $38,426,000 | 5,796 |
| Average equity | $4,842,500 | 5,764 |
| Average total loans | $34,909,750 | 5,253 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6588% | 211 |
| Cost of funding earning assets | 0.1686% | 5,707 |
| Net interest margin | 5.4902% | 127 |
| Noninterest income to average assets | 1.2249% | 809 |
| Noninterest expense to average assets | 5.5208% | 221 |
| Loan and lease loss provision to assets | 0.1312% | 1,677 |
| Net operating income to assets | 0.1487% | 5,812 |
| Return on assets (ROA) | 0.1487% | 5,859 |
| Pretax return on assets | 0.1312% | 5,906 |
| Return on Equity (ROE) | 1.4060% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.4060% | 4,986 |
| Net charge-offs to loans | -0.0393% | 5,446 |
| Credit loss provision to net charge-offs | -428.5714% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4614% | 459 |
| Assets per employee ($millions) | 2.3142% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 2,593 |
| Loan loss allowance to noncurrent loans | 278.5311% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 1.6989% | 1,401 |
| Noncurrent loans to loans | 0.5147% | 3,914 |
| Net loans and leases to total assets | 77.0821% | 1,203 |
| Net loans and leases to deposits | 86.8472% | 1,963 |
| Net loans and leases to core deposits | 88.0361% | 2,549 |
| Total domestic deposits to total assets | 88.7560% | 1,263 |
| Equity capital to assets | 11.0302% | 2,859 |
| Core capital (leverage) ratio | 10.9462% | 2,485 |
| Tier 1 risk-based capital ratio | 14.2739% | 3,776 |
| Total risk-based capital ratio | 15.5264% | 3,701 |
| Memoranda: | ||
| Average total assets | $45,718,330 | 5,774 |
| Average earning assets | $37,958,330 | 5,864 |
| Average equity | $4,836,330 | 5,821 |
| Average total loans | $35,605,670 | 5,274 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 230 |
| Cost of funding earning assets | 0.1659% | 5,806 |
| Net interest margin | 5.4115% | 135 |
| Noninterest income to average assets | 1.0989% | 934 |
| Noninterest expense to average assets | 5.4258% | 236 |
| Loan and lease loss provision to assets | 0.1717% | 1,148 |
| Net operating income to assets | 0.0944% | 5,886 |
| Return on assets (ROA) | 0.0944% | 5,943 |
| Pretax return on assets | -0.0172% | 6,064 |
| Return on Equity (ROE) | 0.9111% | 5,928 |
| Retained earnings to average equity (ytd only) | 0.9111% | 5,100 |
| Net charge-offs to loans | -0.0442% | 5,455 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2308% | 458 |
| Assets per employee ($millions) | 2.0565% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 3,327 |
| Loan loss allowance to noncurrent loans | 322.1477% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 1.5892% | 1,617 |
| Noncurrent loans to loans | 0.4076% | 4,370 |
| Net loans and leases to total assets | 79.7295% | 714 |
| Net loans and leases to deposits | 89.4399% | 1,445 |
| Net loans and leases to core deposits | 90.6241% | 2,073 |
| Total domestic deposits to total assets | 89.1431% | 1,176 |
| Equity capital to assets | 10.6889% | 3,330 |
| Core capital (leverage) ratio | 10.4672% | 3,012 |
| Tier 1 risk-based capital ratio | 11.9571% | 5,268 |
| Total risk-based capital ratio | 13.0075% | 5,306 |
| Memoranda: | ||
| Average total assets | $46,592,500 | 5,804 |
| Average earning assets | $38,584,500 | 5,903 |
| Average equity | $4,829,500 | 5,877 |
| Average total loans | $36,215,500 | 5,291 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4657% | 340 |
| Cost of funding earning assets | 0.2008% | 5,739 |
| Net interest margin | 5.2649% | 190 |
| Noninterest income to average assets | 1.3730% | 652 |
| Noninterest expense to average assets | 5.3056% | 260 |
| Loan and lease loss provision to assets | 0.1165% | 2,228 |
| Net operating income to assets | 0.2437% | 5,676 |
| Return on assets (ROA) | 0.2437% | 5,729 |
| Pretax return on assets | 0.3390% | 5,628 |
| Return on Equity (ROE) | 2.3773% | 5,667 |
| Retained earnings to average equity (ytd only) | 0.6202% | 5,487 |
| Net charge-offs to loans | 0.4860% | 854 |
| Credit loss provision to net charge-offs | 33.1325% | 3,791 |
| Earnings coverage of net charge-offs (x) | 1.2952% | 4,452 |
| Efficiency ratio | 92.0927% | 695 |
| Assets per employee ($millions) | 2.1792% | 6,319 |
| Cash dividends to net income (ytd only)* | 73.9130% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 3,587 |
| Loan loss allowance to noncurrent loans | 194.0426% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6833% | 1,590 |
| Noncurrent loans to loans | 0.6550% | 3,719 |
| Net loans and leases to total assets | 73.8872% | 1,600 |
| Net loans and leases to deposits | 82.3312% | 2,433 |
| Net loans and leases to core deposits | 84.3425% | 2,858 |
| Total domestic deposits to total assets | 89.7439% | 854 |
| Equity capital to assets | 10.0601% | 4,031 |
| Core capital (leverage) ratio | 10.1130% | 3,419 |
| Tier 1 risk-based capital ratio | 12.4446% | 5,065 |
| Total risk-based capital ratio | 13.6259% | 5,032 |
| Memoranda: | ||
| Average total assets | $47,195,000 | 5,853 |
| Average earning assets | $39,336,000 | 5,941 |
| Average equity | $4,837,400 | 5,901 |
| Average total loans | $34,153,200 | 5,392 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4292% | 353 |
| Cost of funding earning assets | 0.2033% | 5,794 |
| Net interest margin | 5.2258% | 195 |
| Noninterest income to average assets | 1.4096% | 629 |
| Noninterest expense to average assets | 5.3096% | 257 |
| Loan and lease loss provision to assets | 0.1134% | 2,153 |
| Net operating income to assets | 0.2524% | 5,733 |
| Return on assets (ROA) | 0.2524% | 5,793 |
| Pretax return on assets | 0.3602% | 5,657 |
| Return on Equity (ROE) | 2.4511% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.4511% | 4,831 |
| Net charge-offs to loans | 0.5694% | 659 |
| Credit loss provision to net charge-offs | 27.7778% | 3,485 |
| Earnings coverage of net charge-offs (x) | 1.1597% | 4,214 |
| Efficiency ratio | 91.8097% | 723 |
| Assets per employee ($millions) | 2.1308% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 3,287 |
| Loan loss allowance to noncurrent loans | 208.0717% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 1.6959% | 1,780 |
| Noncurrent loans to loans | 0.6609% | 3,961 |
| Net loans and leases to total assets | 70.9943% | 2,026 |
| Net loans and leases to deposits | 79.2683% | 2,811 |
| Net loans and leases to core deposits | 81.8092% | 3,118 |
| Total domestic deposits to total assets | 89.5620% | 956 |
| Equity capital to assets | 10.4188% | 3,657 |
| Core capital (leverage) ratio | 10.7636% | 2,738 |
| Tier 1 risk-based capital ratio | 13.3273% | 4,660 |
| Total risk-based capital ratio | 14.5770% | 4,592 |
| Memoranda: | ||
| Average total assets | $47,008,250 | 5,930 |
| Average earning assets | $39,342,250 | 6,008 |
| Average equity | $4,841,000 | 5,957 |
| Average total loans | $33,721,750 | 5,463 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3950% | 374 |
| Cost of funding earning assets | 0.2081% | 5,849 |
| Net interest margin | 5.1869% | 207 |
| Noninterest income to average assets | 1.4325% | 591 |
| Noninterest expense to average assets | 5.3133% | 256 |
| Loan and lease loss provision to assets | 0.1063% | 2,249 |
| Net operating income to assets | 0.2083% | 5,809 |
| Return on assets (ROA) | 0.2083% | 5,868 |
| Pretax return on assets | 0.3571% | 5,664 |
| Return on Equity (ROE) | 2.0304% | 5,831 |
| Retained earnings to average equity (ytd only) | 2.0304% | 4,875 |
| Net charge-offs to loans | 0.2432% | 1,586 |
| Credit loss provision to net charge-offs | 60.9756% | 2,619 |
| Earnings coverage of net charge-offs (x) | 2.6585% | 3,495 |
| Efficiency ratio | 91.9794% | 767 |
| Assets per employee ($millions) | 2.1896% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 2,083 |
| Loan loss allowance to noncurrent loans | 163.0178% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 2.0813% | 1,510 |
| Noncurrent loans to loans | 1.0523% | 3,122 |
| Net loans and leases to total assets | 68.6566% | 2,298 |
| Net loans and leases to deposits | 76.7673% | 2,958 |
| Net loans and leases to core deposits | 78.7866% | 3,344 |
| Total domestic deposits to total assets | 89.4348% | 1,134 |
| Equity capital to assets | 10.5413% | 3,394 |
| Core capital (leverage) ratio | 10.5398% | 2,895 |
| Tier 1 risk-based capital ratio | 13.9309% | 4,292 |
| Total risk-based capital ratio | 15.1844% | 4,239 |
| Memoranda: | ||
| Average total assets | $47,052,000 | 5,982 |
| Average earning assets | $39,407,000 | 6,063 |
| Average equity | $4,826,670 | 5,999 |
| Average total loans | $33,714,330 | 5,506 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 386 |
| Cost of funding earning assets | 0.2177% | 5,864 |
| Net interest margin | 5.1250% | 215 |
| Noninterest income to average assets | 1.5214% | 508 |
| Noninterest expense to average assets | 5.3628% | 259 |
| Loan and lease loss provision to assets | 0.1261% | 1,923 |
| Net operating income to assets | 0.2522% | 5,656 |
| Return on assets (ROA) | 0.2522% | 5,697 |
| Pretax return on assets | 0.3867% | 5,496 |
| Return on Equity (ROE) | 2.4914% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.4914% | 4,580 |
| Net charge-offs to loans | 0.5795% | 635 |
| Credit loss provision to net charge-offs | 30.0000% | 2,395 |
| Earnings coverage of net charge-offs (x) | 1.2200% | 3,142 |
| Efficiency ratio | 91.2732% | 926 |
| Assets per employee ($millions) | 2.2404% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 2,815 |
| Loan loss allowance to noncurrent loans | 152.0000% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 2.0404% | 1,663 |
| Noncurrent loans to loans | 1.0356% | 3,356 |
| Net loans and leases to total assets | 70.7029% | 1,775 |
| Net loans and leases to deposits | 78.8569% | 2,445 |
| Net loans and leases to core deposits | 80.8757% | 2,866 |
| Total domestic deposits to total assets | 89.6597% | 1,270 |
| Equity capital to assets | 10.2680% | 3,517 |
| Core capital (leverage) ratio | 10.2174% | 3,267 |
| Tier 1 risk-based capital ratio | 13.2627% | 4,851 |
| Total risk-based capital ratio | 14.5160% | 4,782 |
| Memoranda: | ||
| Average total assets | $47,587,500 | 6,016 |
| Average earning assets | $40,429,500 | 6,092 |
| Average equity | $4,816,500 | 6,040 |
| Average total loans | $34,511,500 | 5,521 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6510% | 284 |
| Cost of funding earning assets | 0.2442% | 6,005 |
| Net interest margin | 5.4068% | 154 |
| Noninterest income to average assets | 1.0619% | 1,248 |
| Noninterest expense to average assets | 4.8068% | 407 |
| Loan and lease loss provision to assets | 0.1615% | 2,261 |
| Net operating income to assets | 0.5027% | 4,724 |
| Return on assets (ROA) | 0.5027% | 4,854 |
| Pretax return on assets | 0.6521% | 4,694 |
| Return on Equity (ROE) | 5.1780% | 4,549 |
| Retained earnings to average equity (ytd only) | 2.0587% | 4,775 |
| Net charge-offs to loans | 0.4929% | 1,347 |
| Credit loss provision to net charge-offs | 44.1989% | 3,956 |
| Earnings coverage of net charge-offs (x) | 2.2265% | 4,280 |
| Efficiency ratio | 85.5244% | 1,465 |
| Assets per employee ($millions) | 2.0924% | 6,608 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6096% | 2,720 |
| Loan loss allowance to noncurrent loans | 72.7856% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.8119% | 2,030 |
| Noncurrent loans to loans | 2.2114% | 1,760 |
| Net loans and leases to total assets | 72.0172% | 1,675 |
| Net loans and leases to deposits | 80.0753% | 2,449 |
| Net loans and leases to core deposits | 83.2469% | 2,750 |
| Total domestic deposits to total assets | 89.9368% | 1,106 |
| Equity capital to assets | 9.9780% | 3,799 |
| Core capital (leverage) ratio | 9.7746% | 3,876 |
| Tier 1 risk-based capital ratio | 12.9003% | 5,050 |
| Total risk-based capital ratio | 14.1541% | 4,991 |
| Memoranda: | ||
| Average total assets | $49,534,400 | 6,024 |
| Average earning assets | $41,762,200 | 6,119 |
| Average equity | $4,808,800 | 6,114 |
| Average total loans | $36,721,200 | 5,466 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7795% | 245 |
| Cost of funding earning assets | 0.2482% | 6,102 |
| Net interest margin | 5.5313% | 126 |
| Noninterest income to average assets | 1.0450% | 1,333 |
| Noninterest expense to average assets | 4.6611% | 454 |
| Loan and lease loss provision to assets | 0.1336% | 2,609 |
| Net operating income to assets | 0.5880% | 4,400 |
| Return on assets (ROA) | 0.5880% | 4,529 |
| Pretax return on assets | 0.8954% | 3,905 |
| Return on Equity (ROE) | 6.0977% | 4,137 |
| Retained earnings to average equity (ytd only) | 4.7118% | 3,296 |
| Net charge-offs to loans | 0.3451% | 1,821 |
| Credit loss provision to net charge-offs | 52.0833% | 3,455 |
| Earnings coverage of net charge-offs (x) | 4.0103% | 3,561 |
| Efficiency ratio | 81.9164% | 1,833 |
| Assets per employee ($millions) | 2.0760% | 6,683 |
| Cash dividends to net income (ytd only)* | 22.7287% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8207% | 2,236 |
| Loan loss allowance to noncurrent loans | 480.6202% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 5,039 |
| Noncurrent loans to loans | 0.3788% | 5,266 |
| Net loans and leases to total assets | 70.0212% | 1,963 |
| Net loans and leases to deposits | 78.1437% | 2,647 |
| Net loans and leases to core deposits | 81.3138% | 2,958 |
| Total domestic deposits to total assets | 89.6056% | 1,221 |
| Equity capital to assets | 10.2059% | 3,635 |
| Core capital (leverage) ratio | 10.2345% | 3,352 |
| Tier 1 risk-based capital ratio | 13.6980% | 4,631 |
| Total risk-based capital ratio | 14.9534% | 4,582 |
| Memoranda: | ||
| Average total assets | $49,886,500 | 6,085 |
| Average earning assets | $41,894,000 | 6,184 |
| Average equity | $4,810,500 | 6,188 |
| Average total loans | $37,095,000 | 5,512 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9209% | 204 |
| Cost of funding earning assets | 0.2473% | 6,190 |
| Net interest margin | 5.6736% | 110 |
| Noninterest income to average assets | 1.0474% | 1,387 |
| Noninterest expense to average assets | 4.4546% | 549 |
| Loan and lease loss provision to assets | 0.1581% | 2,347 |
| Net operating income to assets | 0.7549% | 3,538 |
| Return on assets (ROA) | 0.7549% | 3,690 |
| Pretax return on assets | 1.1502% | 2,885 |
| Return on Equity (ROE) | 7.9755% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.9755% | 1,499 |
| Net charge-offs to loans | 0.5458% | 1,209 |
| Credit loss provision to net charge-offs | 38.4615% | 3,445 |
| Earnings coverage of net charge-offs (x) | 3.1827% | 3,459 |
| Efficiency ratio | 77.2977% | 2,574 |
| Assets per employee ($millions) | 2.2595% | 6,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 2,897 |
| Loan loss allowance to noncurrent loans | 538.3929% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 5,196 |
| Noncurrent loans to loans | 0.3103% | 5,521 |
| Net loans and leases to total assets | 74.8045% | 1,128 |
| Net loans and leases to deposits | 83.6038% | 1,855 |
| Net loans and leases to core deposits | 87.0186% | 2,228 |
| Total domestic deposits to total assets | 89.4750% | 1,341 |
| Equity capital to assets | 10.3227% | 3,522 |
| Core capital (leverage) ratio | 10.1784% | 3,264 |
| Tier 1 risk-based capital ratio | 13.1617% | 5,026 |
| Total risk-based capital ratio | 14.4167% | 4,958 |
| Memoranda: | ||
| Average total assets | $50,599,670 | 6,111 |
| Average earning assets | $42,054,330 | 6,224 |
| Average equity | $4,789,670 | 6,243 |
| Average total loans | $38,109,000 | 5,502 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7708% | 246 |
| Cost of funding earning assets | 0.2334% | 6,391 |
| Net interest margin | 5.5374% | 117 |
| Noninterest income to average assets | 0.9660% | 1,567 |
| Noninterest expense to average assets | 4.6612% | 469 |
| Loan and lease loss provision to assets | 0.2300% | 1,589 |
| Net operating income to assets | 0.2990% | 5,570 |
| Return on assets (ROA) | 0.2990% | 5,694 |
| Pretax return on assets | 0.6210% | 4,873 |
| Return on Equity (ROE) | 3.2943% | 5,436 |
| Retained earnings to average equity (ytd only) | 3.2943% | 4,272 |
| Net charge-offs to loans | 0.6033% | 1,012 |
| Credit loss provision to net charge-offs | 50.8475% | 2,584 |
| Earnings coverage of net charge-offs (x) | 1.8814% | 3,210 |
| Efficiency ratio | 84.5619% | 1,695 |
| Assets per employee ($millions) | 2.2493% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 3,335 |
| Loan loss allowance to noncurrent loans | 141.8708% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 4,023 |
| Noncurrent loans to loans | 1.1386% | 3,880 |
| Net loans and leases to total assets | 82.1404% | 275 |
| Net loans and leases to deposits | 91.5265% | 843 |
| Net loans and leases to core deposits | 95.2684% | 1,248 |
| Total domestic deposits to total assets | 89.7449% | 1,188 |
| Equity capital to assets | 10.0603% | 4,064 |
| Core capital (leverage) ratio | 9.8209% | 3,639 |
| Tier 1 risk-based capital ratio | 12.0567% | 5,882 |
| Total risk-based capital ratio | 13.3122% | 5,830 |
| Memoranda: | ||
| Average total assets | $52,175,000 | 6,121 |
| Average earning assets | $42,836,000 | 6,250 |
| Average equity | $4,735,500 | 6,325 |
| Average total loans | $39,115,000 | 5,501 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6397% | 475 |
| Cost of funding earning assets | 0.2701% | 6,590 |
| Net interest margin | 5.3696% | 206 |
| Noninterest income to average assets | 0.9630% | 1,652 |
| Noninterest expense to average assets | 4.6664% | 492 |
| Loan and lease loss provision to assets | 0.0928% | 4,511 |
| Net operating income to assets | 0.4156% | 5,033 |
| Return on assets (ROA) | 0.4156% | 5,290 |
| Pretax return on assets | 0.7403% | 4,516 |
| Return on Equity (ROE) | 4.7714% | 4,803 |
| Retained earnings to average equity (ytd only) | 2.7691% | 4,292 |
| Net charge-offs to loans | -0.1987% | 6,936 |
| Credit loss provision to net charge-offs | -63.2911% | 6,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8516% | 1,529 |
| Assets per employee ($millions) | 2.8558% | 6,235 |
| Cash dividends to net income (ytd only)* | 41.9643% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 2,864 |
| Loan loss allowance to noncurrent loans | 157.3113% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 4,617 |
| Noncurrent loans to loans | 1.0930% | 4,023 |
| Net loans and leases to total assets | 66.7548% | 2,411 |
| Net loans and leases to deposits | 73.0682% | 3,243 |
| Net loans and leases to core deposits | 74.7354% | 3,689 |
| Total domestic deposits to total assets | 91.3595% | 381 |
| Equity capital to assets | 8.2623% | 6,230 |
| Core capital (leverage) ratio | 8.9830% | 4,923 |
| Tier 1 risk-based capital ratio | 11.5224% | 6,086 |
| Total risk-based capital ratio | 12.7770% | 6,050 |
| Memoranda: | ||
| Average total assets | $53,895,400 | 6,093 |
| Average earning assets | $45,534,200 | 6,189 |
| Average equity | $4,694,600 | 6,389 |
| Average total loans | $39,755,400 | 5,517 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6583% | 503 |
| Cost of funding earning assets | 0.2851% | 6,675 |
| Net interest margin | 5.3732% | 210 |
| Noninterest income to average assets | 0.9744% | 1,583 |
| Noninterest expense to average assets | 4.7289% | 453 |
| Loan and lease loss provision to assets | 0.0628% | 4,924 |
| Net operating income to assets | 0.5399% | 4,661 |
| Return on assets (ROA) | 0.5399% | 4,927 |
| Pretax return on assets | 0.8212% | 4,411 |
| Return on Equity (ROE) | 6.1141% | 4,275 |
| Retained earnings to average equity (ytd only) | 3.4410% | 4,441 |
| Net charge-offs to loans | -0.2267% | 7,012 |
| Credit loss provision to net charge-offs | -36.7647% | 6,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2506% | 1,565 |
| Assets per employee ($millions) | 2.6659% | 6,534 |
| Cash dividends to net income (ytd only)* | 43.7208% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 3,080 |
| Loan loss allowance to noncurrent loans | 232.8413% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 5,401 |
| Noncurrent loans to loans | 0.7389% | 4,944 |
| Net loans and leases to total assets | 67.6057% | 2,350 |
| Net loans and leases to deposits | 74.4675% | 3,219 |
| Net loans and leases to core deposits | 76.3314% | 3,687 |
| Total domestic deposits to total assets | 90.7855% | 485 |
| Equity capital to assets | 8.8582% | 5,967 |
| Core capital (leverage) ratio | 8.9228% | 5,162 |
| Tier 1 risk-based capital ratio | 12.3368% | 5,744 |
| Total risk-based capital ratio | 13.5924% | 5,713 |
| Memoranda: | ||
| Average total assets | $53,090,500 | 6,187 |
| Average earning assets | $45,831,250 | 6,259 |
| Average equity | $4,688,500 | 6,461 |
| Average total loans | $39,995,750 | 5,572 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8288% | 387 |
| Cost of funding earning assets | 0.3031% | 6,728 |
| Net interest margin | 5.5257% | 173 |
| Noninterest income to average assets | 0.9695% | 1,546 |
| Noninterest expense to average assets | 4.8326% | 419 |
| Loan and lease loss provision to assets | 0.0943% | 4,374 |
| Net operating income to assets | 0.5168% | 4,736 |
| Return on assets (ROA) | 0.5168% | 5,005 |
| Pretax return on assets | 0.7885% | 4,511 |
| Return on Equity (ROE) | 5.8585% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.8585% | 2,799 |
| Net charge-offs to loans | -0.0389% | 6,598 |
| Credit loss provision to net charge-offs | -312.5000% | 6,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5545% | 1,579 |
| Assets per employee ($millions) | 2.6169% | 6,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 4,082 |
| Loan loss allowance to noncurrent loans | 197.5779% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 5,378 |
| Noncurrent loans to loans | 0.7514% | 5,007 |
| Net loans and leases to total assets | 72.3948% | 1,492 |
| Net loans and leases to deposits | 79.8457% | 2,406 |
| Net loans and leases to core deposits | 81.8836% | 2,974 |
| Total domestic deposits to total assets | 90.6683% | 583 |
| Equity capital to assets | 9.0508% | 5,649 |
| Core capital (leverage) ratio | 9.2645% | 4,507 |
| Tier 1 risk-based capital ratio | 11.9756% | 5,952 |
| Total risk-based capital ratio | 13.2290% | 5,921 |
| Memoranda: | ||
| Average total assets | $53,014,670 | 6,229 |
| Average earning assets | $45,532,330 | 6,300 |
| Average equity | $4,677,000 | 6,492 |
| Average total loans | $41,102,000 | 5,546 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9113% | 353 |
| Cost of funding earning assets | 0.3143% | 6,801 |
| Net interest margin | 5.5970% | 162 |
| Noninterest income to average assets | 0.9671% | 1,518 |
| Noninterest expense to average assets | 4.7757% | 434 |
| Loan and lease loss provision to assets | 0.1125% | 3,951 |
| Net operating income to assets | 0.5848% | 4,418 |
| Return on assets (ROA) | 0.5848% | 4,637 |
| Pretax return on assets | 0.8847% | 4,088 |
| Return on Equity (ROE) | 6.7140% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.7140% | 2,577 |
| Net charge-offs to loans | -0.0471% | 6,508 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7273% | 1,837 |
| Assets per employee ($millions) | 2.3300% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,883 |
| Loan loss allowance to noncurrent loans | 96.2069% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.1315% | 4,242 |
| Noncurrent loans to loans | 1.3831% | 4,043 |
| Net loans and leases to total assets | 80.7199% | 351 |
| Net loans and leases to deposits | 89.0537% | 1,054 |
| Net loans and leases to core deposits | 91.3722% | 1,712 |
| Total domestic deposits to total assets | 90.6418% | 719 |
| Equity capital to assets | 9.1377% | 5,311 |
| Core capital (leverage) ratio | 8.8555% | 5,055 |
| Tier 1 risk-based capital ratio | 10.9234% | 6,572 |
| Total risk-based capital ratio | 12.1731% | 6,561 |
| Memoranda: | ||
| Average total assets | $53,353,000 | 6,251 |
| Average earning assets | $45,810,500 | 6,334 |
| Average equity | $4,647,000 | 6,531 |
| Average total loans | $42,422,500 | 5,536 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7091% | 767 |
| Cost of funding earning assets | 0.5209% | 6,449 |
| Net interest margin | 5.1882% | 293 |
| Noninterest income to average assets | 0.8454% | 1,865 |
| Noninterest expense to average assets | 4.5981% | 532 |
| Loan and lease loss provision to assets | 0.4937% | 2,133 |
| Net operating income to assets | 0.1669% | 5,684 |
| Return on assets (ROA) | 0.1669% | 5,825 |
| Pretax return on assets | 0.2646% | 5,646 |
| Return on Equity (ROE) | 2.0855% | 5,626 |
| Retained earnings to average equity (ytd only) | 0.3550% | 5,672 |
| Net charge-offs to loans | 0.7240% | 2,344 |
| Credit loss provision to net charge-offs | 87.9747% | 4,102 |
| Earnings coverage of net charge-offs (x) | 1.3513% | 4,755 |
| Efficiency ratio | 85.8422% | 1,584 |
| Assets per employee ($millions) | 2.5203% | 6,814 |
| Cash dividends to net income (ytd only)* | 82.9787% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 5,146 |
| Loan loss allowance to noncurrent loans | 95.5595% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0154% | 4,585 |
| Noncurrent loans to loans | 1.3120% | 4,180 |
| Net loans and leases to total assets | 76.4203% | 892 |
| Net loans and leases to deposits | 83.4670% | 1,993 |
| Net loans and leases to core deposits | 86.6875% | 2,544 |
| Total domestic deposits to total assets | 91.5576% | 316 |
| Equity capital to assets | 8.3144% | 6,335 |
| Core capital (leverage) ratio | 7.9680% | 6,295 |
| Tier 1 risk-based capital ratio | 10.3769% | 6,741 |
| Total risk-based capital ratio | 11.6049% | 6,724 |
| Memoranda: | ||
| Average total assets | $56,305,800 | 6,152 |
| Average earning assets | $48,957,200 | 6,227 |
| Average equity | $4,507,400 | 6,592 |
| Average total loans | $43,647,400 | 5,533 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6702% | 900 |
| Cost of funding earning assets | 0.5554% | 6,494 |
| Net interest margin | 5.1148% | 328 |
| Noninterest income to average assets | 0.8256% | 1,943 |
| Noninterest expense to average assets | 4.5669% | 544 |
| Loan and lease loss provision to assets | 0.3373% | 2,858 |
| Net operating income to assets | 0.2642% | 5,529 |
| Return on assets (ROA) | 0.2642% | 5,683 |
| Pretax return on assets | 0.3963% | 5,483 |
| Return on Equity (ROE) | 3.3320% | 5,300 |
| Retained earnings to average equity (ytd only) | 1.0114% | 5,606 |
| Net charge-offs to loans | 0.4411% | 2,962 |
| Credit loss provision to net charge-offs | 98.6207% | 3,465 |
| Earnings coverage of net charge-offs (x) | 2.1448% | 4,059 |
| Efficiency ratio | 86.1593% | 1,514 |
| Assets per employee ($millions) | 2.6155% | 6,760 |
| Cash dividends to net income (ytd only)* | 69.6444% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,784 |
| Loan loss allowance to noncurrent loans | 96.1474% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0375% | 4,683 |
| Noncurrent loans to loans | 1.4016% | 4,190 |
| Net loans and leases to total assets | 73.0257% | 1,499 |
| Net loans and leases to deposits | 79.5498% | 2,711 |
| Net loans and leases to core deposits | 82.9317% | 3,200 |
| Total domestic deposits to total assets | 91.7987% | 239 |
| Equity capital to assets | 8.0553% | 6,660 |
| Core capital (leverage) ratio | 8.7251% | 5,370 |
| Tier 1 risk-based capital ratio | 10.5115% | 6,773 |
| Total risk-based capital ratio | 11.7627% | 6,762 |
| Memoranda: | ||
| Average total assets | $56,520,750 | 6,198 |
| Average earning assets | $49,450,500 | 6,266 |
| Average equity | $4,481,750 | 6,648 |
| Average total loans | $43,831,750 | 5,569 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7808% | 741 |
| Cost of funding earning assets | 0.6079% | 6,419 |
| Net interest margin | 5.1729% | 293 |
| Noninterest income to average assets | 0.8259% | 1,909 |
| Noninterest expense to average assets | 4.5887% | 541 |
| Loan and lease loss provision to assets | 0.2100% | 3,814 |
| Net operating income to assets | 0.4094% | 4,899 |
| Return on assets (ROA) | 0.4094% | 5,057 |
| Pretax return on assets | 0.5411% | 4,935 |
| Return on Equity (ROE) | 5.1911% | 4,364 |
| Retained earnings to average equity (ytd only) | 1.6702% | 5,157 |
| Net charge-offs to loans | 0.3345% | 3,225 |
| Credit loss provision to net charge-offs | 79.7297% | 3,781 |
| Earnings coverage of net charge-offs (x) | 2.8514% | 3,418 |
| Efficiency ratio | 85.9333% | 1,606 |
| Assets per employee ($millions) | 2.5161% | 6,896 |
| Cash dividends to net income (ytd only)* | 67.8261% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 5,293 |
| Loan loss allowance to noncurrent loans | 65.4609% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.4809% | 3,987 |
| Noncurrent loans to loans | 1.9141% | 3,590 |
| Net loans and leases to total assets | 76.3975% | 1,017 |
| Net loans and leases to deposits | 82.8468% | 2,307 |
| Net loans and leases to core deposits | 88.7880% | 2,528 |
| Total domestic deposits to total assets | 92.2154% | 198 |
| Equity capital to assets | 7.6550% | 6,876 |
| Core capital (leverage) ratio | 7.5945% | 6,676 |
| Tier 1 risk-based capital ratio | 9.5466% | 7,091 |
| Total risk-based capital ratio | 10.7730% | 7,104 |
| Memoranda: | ||
| Average total assets | $56,181,000 | 6,257 |
| Average earning assets | $49,024,330 | 6,339 |
| Average equity | $4,430,670 | 6,708 |
| Average total loans | $44,244,670 | 5,602 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8153% | 720 |
| Cost of funding earning assets | 0.6563% | 6,359 |
| Net interest margin | 5.1590% | 273 |
| Noninterest income to average assets | 0.8241% | 1,945 |
| Noninterest expense to average assets | 4.6046% | 536 |
| Loan and lease loss provision to assets | 0.2891% | 2,837 |
| Net operating income to assets | 0.4554% | 4,691 |
| Return on assets (ROA) | 0.4554% | 4,778 |
| Pretax return on assets | 0.4193% | 5,285 |
| Return on Equity (ROE) | 5.6872% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.6872% | 2,804 |
| Net charge-offs to loans | 0.6821% | 1,853 |
| Credit loss provision to net charge-offs | 53.3333% | 3,684 |
| Earnings coverage of net charge-offs (x) | 1.3067% | 3,697 |
| Efficiency ratio | 86.6667% | 1,641 |
| Assets per employee ($millions) | 2.4127% | 7,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 5,617 |
| Loan loss allowance to noncurrent loans | 88.1107% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 4,752 |
| Noncurrent loans to loans | 1.3662% | 4,425 |
| Net loans and leases to total assets | 76.6804% | 929 |
| Net loans and leases to deposits | 83.1184% | 2,167 |
| Net loans and leases to core deposits | 89.4226% | 2,421 |
| Total domestic deposits to total assets | 92.2544% | 224 |
| Equity capital to assets | 7.7007% | 6,745 |
| Core capital (leverage) ratio | 7.8126% | 6,454 |
| Tier 1 risk-based capital ratio | 9.4756% | 7,148 |
| Total risk-based capital ratio | 10.6431% | 7,171 |
| Memoranda: | ||
| Average total assets | $55,336,000 | 6,331 |
| Average earning assets | $48,149,000 | 6,406 |
| Average equity | $4,431,000 | 6,730 |
| Average total loans | $43,980,500 | 5,656 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7327% | 1,457 |
| Cost of funding earning assets | 0.8226% | 6,473 |
| Net interest margin | 4.9101% | 534 |
| Noninterest income to average assets | 0.8746% | 1,954 |
| Noninterest expense to average assets | 4.4044% | 721 |
| Loan and lease loss provision to assets | 1.3443% | 1,134 |
| Net operating income to assets | -0.3621% | 6,276 |
| Return on assets (ROA) | -0.3621% | 6,302 |
| Pretax return on assets | -0.5849% | 6,389 |
| Return on Equity (ROE) | -4.4090% | 6,383 |
| Retained earnings to average equity (ytd only) | -5.9012% | 6,374 |
| Net charge-offs to loans | 1.5106% | 1,454 |
| Credit loss provision to net charge-offs | 114.3760% | 3,794 |
| Earnings coverage of net charge-offs (x) | 0.6461% | 5,465 |
| Efficiency ratio | 85.2931% | 1,772 |
| Assets per employee ($millions) | 2.3985% | 7,134 |
| Cash dividends to net income (ytd only)* | -33.8462% | 7,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 4,803 |
| Loan loss allowance to noncurrent loans | 108.8847% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.0025% | 4,996 |
| Noncurrent loans to loans | 1.2297% | 4,673 |
| Net loans and leases to total assets | 80.4332% | 607 |
| Net loans and leases to deposits | 89.6027% | 1,581 |
| Net loans and leases to core deposits | 96.6547% | 1,926 |
| Total domestic deposits to total assets | 89.7665% | 1,224 |
| Equity capital to assets | 8.3441% | 6,089 |
| Core capital (leverage) ratio | 8.2102% | 5,808 |
| Tier 1 risk-based capital ratio | 9.8567% | 7,036 |
| Total risk-based capital ratio | 11.1071% | 7,030 |
| Memoranda: | ||
| Average total assets | $53,855,400 | 6,407 |
| Average earning assets | $47,046,200 | 6,477 |
| Average equity | $4,422,800 | 6,845 |
| Average total loans | $41,903,800 | 5,841 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6407% | 1,912 |
| Cost of funding earning assets | 0.8375% | 6,624 |
| Net interest margin | 4.8032% | 674 |
| Noninterest income to average assets | 0.8769% | 1,885 |
| Noninterest expense to average assets | 4.3255% | 725 |
| Loan and lease loss provision to assets | 1.7834% | 702 |
| Net operating income to assets | -1.0272% | 6,919 |
| Return on assets (ROA) | -1.0272% | 6,960 |
| Pretax return on assets | -1.0223% | 6,870 |
| Return on Equity (ROE) | -12.5569% | 7,033 |
| Retained earnings to average equity (ytd only) | -14.5442% | 7,061 |
| Net charge-offs to loans | 1.9155% | 998 |
| Credit loss provision to net charge-offs | 121.0702% | 3,400 |
| Earnings coverage of net charge-offs (x) | 0.5167% | 5,507 |
| Efficiency ratio | 85.0363% | 1,726 |
| Assets per employee ($millions) | 2.2195% | 7,370 |
| Cash dividends to net income (ytd only)* | -15.8276% | 7,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 4,128 |
| Loan loss allowance to noncurrent loans | 122.9839% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 5,145 |
| Noncurrent loans to loans | 1.1916% | 4,860 |
| Net loans and leases to total assets | 80.3420% | 690 |
| Net loans and leases to deposits | 89.0310% | 1,851 |
| Net loans and leases to core deposits | 98.5818% | 1,986 |
| Total domestic deposits to total assets | 90.2406% | 756 |
| Equity capital to assets | 8.2256% | 6,582 |
| Core capital (leverage) ratio | 7.6095% | 6,759 |
| Tier 1 risk-based capital ratio | 9.8482% | 7,138 |
| Total risk-based capital ratio | 11.1002% | 7,130 |
| Memoranda: | ||
| Average total assets | $54,127,250 | 6,470 |
| Average earning assets | $47,439,500 | 6,533 |
| Average equity | $4,427,750 | 6,932 |
| Average total loans | $41,625,000 | 5,935 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 2,619 |
| Cost of funding earning assets | 0.8374% | 6,799 |
| Net interest margin | 4.6406% | 913 |
| Noninterest income to average assets | 0.8739% | 1,788 |
| Noninterest expense to average assets | 4.1847% | 826 |
| Loan and lease loss provision to assets | 0.4061% | 3,283 |
| Net operating income to assets | 0.2430% | 5,400 |
| Return on assets (ROA) | 0.2430% | 5,544 |
| Pretax return on assets | 0.3626% | 5,334 |
| Return on Equity (ROE) | 2.9751% | 5,241 |
| Retained earnings to average equity (ytd only) | 2.9751% | 4,229 |
| Net charge-offs to loans | 0.1922% | 4,459 |
| Credit loss provision to net charge-offs | 280.0000% | 1,325 |
| Earnings coverage of net charge-offs (x) | 5.3000% | 2,705 |
| Efficiency ratio | 84.4802% | 1,865 |
| Assets per employee ($millions) | 2.5454% | 7,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 4,830 |
| Loan loss allowance to noncurrent loans | 58.8173% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.6911% | 3,905 |
| Noncurrent loans to loans | 2.2343% | 3,444 |
| Net loans and leases to total assets | 74.6924% | 1,769 |
| Net loans and leases to deposits | 81.4278% | 3,357 |
| Net loans and leases to core deposits | 98.4095% | 2,186 |
| Total domestic deposits to total assets | 91.7284% | 280 |
| Equity capital to assets | 8.1323% | 6,620 |
| Core capital (leverage) ratio | 7.9747% | 6,301 |
| Tier 1 risk-based capital ratio | 10.0268% | 7,006 |
| Total risk-based capital ratio | 11.2779% | 6,989 |
| Memoranda: | ||
| Average total assets | $55,153,670 | 6,485 |
| Average earning assets | $48,485,330 | 6,531 |
| Average equity | $4,504,000 | 6,934 |
| Average total loans | $41,625,670 | 5,975 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3733% | 3,174 |
| Cost of funding earning assets | 0.8484% | 6,943 |
| Net interest margin | 4.5248% | 1,089 |
| Noninterest income to average assets | 0.8112% | 1,967 |
| Noninterest expense to average assets | 4.1220% | 881 |
| Loan and lease loss provision to assets | 0.6358% | 1,994 |
| Net operating income to assets | 0.0365% | 6,196 |
| Return on assets (ROA) | 0.0365% | 6,314 |
| Pretax return on assets | 0.0292% | 6,300 |
| Return on Equity (ROE) | 0.4465% | 6,287 |
| Retained earnings to average equity (ytd only) | 0.4465% | 5,655 |
| Net charge-offs to loans | 0.2715% | 3,327 |
| Credit loss provision to net charge-offs | 310.7143% | 1,269 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 2,968 |
| Efficiency ratio | 86.1069% | 1,784 |
| Assets per employee ($millions) | 2.3850% | 7,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,972 |
| Loan loss allowance to noncurrent loans | 60.3774% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.5740% | 4,139 |
| Noncurrent loans to loans | 2.1420% | 3,595 |
| Net loans and leases to total assets | 72.5337% | 2,322 |
| Net loans and leases to deposits | 78.8465% | 3,872 |
| Net loans and leases to core deposits | 99.6066% | 2,169 |
| Total domestic deposits to total assets | 91.9935% | 239 |
| Equity capital to assets | 7.8405% | 6,819 |
| Core capital (leverage) ratio | 8.1388% | 6,009 |
| Tier 1 risk-based capital ratio | 9.8443% | 7,121 |
| Total risk-based capital ratio | 11.0631% | 7,141 |
| Memoranda: | ||
| Average total assets | $54,731,000 | 6,580 |
| Average earning assets | $48,090,000 | 6,623 |
| Average equity | $4,479,000 | 7,009 |
| Average total loans | $41,246,500 | 6,064 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0240% | 1,774 |
| Cost of funding earning assets | 1.1521% | 6,815 |
| Net interest margin | 4.8719% | 598 |
| Noninterest income to average assets | 0.9196% | 1,871 |
| Noninterest expense to average assets | 4.2233% | 1,064 |
| Loan and lease loss provision to assets | 0.4067% | 4,376 |
| Net operating income to assets | 0.3987% | 4,136 |
| Return on assets (ROA) | 0.3987% | 4,236 |
| Pretax return on assets | 0.5509% | 4,046 |
| Return on Equity (ROE) | 4.8653% | 3,728 |
| Retained earnings to average equity (ytd only) | 3.7406% | 2,583 |
| Net charge-offs to loans | 0.0434% | 6,675 |
| Credit loss provision to net charge-offs | 1,268.7500% | 241 |
| Earnings coverage of net charge-offs (x) | 29.8750% | 769 |
| Efficiency ratio | 81.5159% | 2,669 |
| Assets per employee ($millions) | 2.4867% | 7,225 |
| Cash dividends to net income (ytd only)* | 23.1156% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 5,360 |
| Loan loss allowance to noncurrent loans | 49.1388% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 1.8900% | 3,546 |
| Noncurrent loans to loans | 2.4413% | 3,106 |
| Net loans and leases to total assets | 76.4922% | 1,697 |
| Net loans and leases to deposits | 83.7913% | 3,316 |
| Net loans and leases to core deposits | 124.0682% | 1,632 |
| Total domestic deposits to total assets | 91.2889% | 439 |
| Equity capital to assets | 8.5598% | 5,792 |
| Core capital (leverage) ratio | 8.5168% | 5,254 |
| Tier 1 risk-based capital ratio | 10.5699% | 6,321 |
| Total risk-based capital ratio | 11.7377% | 6,381 |
| Memoranda: | ||
| Average total assets | $49,913,800 | 6,705 |
| Average earning assets | $43,658,800 | 6,772 |
| Average equity | $4,090,200 | 7,250 |
| Average total loans | $36,849,200 | 6,256 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0095% | 1,997 |
| Cost of funding earning assets | 1.2155% | 6,849 |
| Net interest margin | 4.7940% | 689 |
| Noninterest income to average assets | 0.9215% | 1,898 |
| Noninterest expense to average assets | 4.0645% | 1,193 |
| Loan and lease loss provision to assets | 0.4405% | 3,707 |
| Net operating income to assets | 0.4081% | 4,366 |
| Return on assets (ROA) | 0.4081% | 4,470 |
| Pretax return on assets | 0.6162% | 4,142 |
| Return on Equity (ROE) | 5.0392% | 3,948 |
| Retained earnings to average equity (ytd only) | 3.5042% | 3,329 |
| Net charge-offs to loans | 0.0408% | 6,329 |
| Credit loss provision to net charge-offs | 1,481.8182% | 266 |
| Earnings coverage of net charge-offs (x) | 35.5365% | 820 |
| Efficiency ratio | 79.3668% | 2,943 |
| Assets per employee ($millions) | 2.5867% | 7,076 |
| Cash dividends to net income (ytd only)* | 30.4624% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 5,405 |
| Loan loss allowance to noncurrent loans | 94.5263% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.0612% | 4,955 |
| Noncurrent loans to loans | 1.2181% | 4,910 |
| Net loans and leases to total assets | 74.5061% | 2,378 |
| Net loans and leases to deposits | 81.6044% | 4,095 |
| Net loans and leases to core deposits | 116.7040% | 2,551 |
| Total domestic deposits to total assets | 91.3017% | 301 |
| Equity capital to assets | 8.5630% | 6,166 |
| Core capital (leverage) ratio | 8.6537% | 5,216 |
| Tier 1 risk-based capital ratio | 10.5725% | 6,386 |
| Total risk-based capital ratio | 11.6657% | 6,502 |
| Memoranda: | ||
| Average total assets | $49,337,000 | 6,788 |
| Average earning assets | $43,219,500 | 6,856 |
| Average equity | $3,995,250 | 7,359 |
| Average total loans | $35,954,000 | 6,353 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1375% | 1,657 |
| Cost of funding earning assets | 1.2983% | 6,813 |
| Net interest margin | 4.8392% | 610 |
| Noninterest income to average assets | 0.9024% | 1,981 |
| Noninterest expense to average assets | 4.0175% | 1,288 |
| Loan and lease loss provision to assets | 0.5109% | 2,979 |
| Net operating income to assets | 0.3914% | 4,547 |
| Return on assets (ROA) | 0.3914% | 4,649 |
| Pretax return on assets | 0.5975% | 4,329 |
| Return on Equity (ROE) | 4.9346% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.8438% | 3,154 |
| Net charge-offs to loans | 0.0286% | 6,075 |
| Credit loss provision to net charge-offs | 2,480.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 53.8000% | 657 |
| Efficiency ratio | 78.3762% | 3,291 |
| Assets per employee ($millions) | 2.4045% | 7,420 |
| Cash dividends to net income (ytd only)* | 22.1053% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,357 |
| Loan loss allowance to noncurrent loans | 502.4096% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 6,650 |
| Noncurrent loans to loans | 0.2261% | 6,943 |
| Net loans and leases to total assets | 75.4705% | 2,322 |
| Net loans and leases to deposits | 82.2579% | 4,184 |
| Net loans and leases to core deposits | 112.1435% | 3,120 |
| Total domestic deposits to total assets | 91.7486% | 257 |
| Equity capital to assets | 8.0455% | 6,698 |
| Core capital (leverage) ratio | 7.6589% | 6,814 |
| Tier 1 risk-based capital ratio | 9.8247% | 7,107 |
| Total risk-based capital ratio | 10.8997% | 7,222 |
| Memoranda: | ||
| Average total assets | $48,538,000 | 6,886 |
| Average earning assets | $42,362,330 | 6,956 |
| Average equity | $3,850,330 | 7,457 |
| Average total loans | $34,940,670 | 6,460 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1052% | 1,924 |
| Cost of funding earning assets | 1.3682% | 6,822 |
| Net interest margin | 4.7370% | 709 |
| Noninterest income to average assets | 0.8121% | 2,272 |
| Noninterest expense to average assets | 3.9375% | 1,256 |
| Loan and lease loss provision to assets | 0.5250% | 2,371 |
| Net operating income to assets | 0.3281% | 5,174 |
| Return on assets (ROA) | 0.3281% | 5,357 |
| Pretax return on assets | 0.4676% | 5,183 |
| Return on Equity (ROE) | 4.1656% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.1656% | 3,598 |
| Net charge-offs to loans | 0.0352% | 5,020 |
| Credit loss provision to net charge-offs | 2,133.3333% | 301 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 841 |
| Efficiency ratio | 79.8669% | 2,845 |
| Assets per employee ($millions) | 2.5689% | 7,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,186 |
| Loan loss allowance to noncurrent loans | 402.2472% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 7,025 |
| Noncurrent loans to loans | 0.2485% | 6,827 |
| Net loans and leases to total assets | 69.0023% | 3,912 |
| Net loans and leases to deposits | 74.8217% | 5,375 |
| Net loans and leases to core deposits | 113.7449% | 3,029 |
| Total domestic deposits to total assets | 92.2224% | 152 |
| Equity capital to assets | 7.5558% | 7,305 |
| Core capital (leverage) ratio | 7.5199% | 7,137 |
| Tier 1 risk-based capital ratio | 9.7723% | 7,174 |
| Total risk-based capital ratio | 10.6986% | 7,421 |
| Memoranda: | ||
| Average total assets | $48,762,500 | 6,915 |
| Average earning assets | $42,390,000 | 7,003 |
| Average equity | $3,841,000 | 7,508 |
| Average total loans | $34,056,000 | 6,539 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4233% | 3,302 |
| Cost of funding earning assets | 2.1229% | 5,958 |
| Net interest margin | 4.3004% | 1,970 |
| Noninterest income to average assets | 1.0262% | 1,507 |
| Noninterest expense to average assets | 4.4324% | 923 |
| Loan and lease loss provision to assets | 0.2893% | 4,068 |
| Net operating income to assets | 0.0407% | 6,256 |
| Return on assets (ROA) | 0.0407% | 6,115 |
| Pretax return on assets | 0.0407% | 6,072 |
| Return on Equity (ROE) | 0.4786% | 6,084 |
| Retained earnings to average equity (ytd only) | 0.4786% | 4,955 |
| Net charge-offs to loans | 0.0734% | 5,711 |
| Credit loss provision to net charge-offs | 640.0000% | 668 |
| Earnings coverage of net charge-offs (x) | 7.3000% | 3,145 |
| Efficiency ratio | 93.0707% | 1,321 |
| Assets per employee ($millions) | 2.1975% | 7,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 6,547 |
| Loan loss allowance to noncurrent loans | 458.4615% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 7,016 |
| Noncurrent loans to loans | 0.2012% | 6,781 |
| Net loans and leases to total assets | 69.3523% | 4,178 |
| Net loans and leases to deposits | 78.5644% | 5,259 |
| Net loans and leases to core deposits | 102.1872% | 4,587 |
| Total domestic deposits to total assets | 88.2744% | 1,350 |
| Equity capital to assets | 8.2346% | 6,503 |
| Core capital (leverage) ratio | 8.3326% | 5,888 |
| Tier 1 risk-based capital ratio | 10.6204% | 6,077 |
| Total risk-based capital ratio | 11.4673% | 6,363 |
| Memoranda: | ||
| Average total assets | $44,242,800 | 7,016 |
| Average earning assets | $38,438,200 | 7,114 |
| Average equity | $3,760,800 | 7,591 |
| Average total loans | $27,265,800 | 6,882 |