Home > First City Bank > Performance and Condition Ratios
First City Bank, Performance and Condition Ratios
| 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 | 4.7527% | 315 |
| Cost of funding earning assets | 0.2764% | 2,423 |
| Net interest margin | 4.4763% | 249 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 3.6206% | 433 |
| Loan and lease loss provision to assets | -0.2000% | 4,678 |
| Net operating income to assets | 0.8198% | 3,173 |
| Return on assets (ROA) | 0.7836% | 3,269 |
| Pretax return on assets | 0.7836% | 3,622 |
| Return on Equity (ROE) | 6.0300% | 3,794 |
| Retained earnings to average equity (ytd only) | 2.2876% | 3,961 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.4028% | 484 |
| Assets per employee ($millions) | 6.4844% | 2,333 |
| Cash dividends to net income (ytd only)* | 62.0513% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 1,861 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 86.8400% | 93 |
| Net loans and leases to deposits | 103.2707% | 255 |
| Net loans and leases to core deposits | 104.3510% | 639 |
| Total domestic deposits to total assets | 84.0800% | 3,489 |
| Equity capital to assets | 14.8749% | 463 |
| Core capital (leverage) ratio | 14.2932% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $66,359,500 | 4,292 |
| Average earning assets | $62,222,750 | 4,268 |
| Average equity | $8,626,000 | 4,078 |
| Average total loans | $51,822,000 | 3,884 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 293 |
| Cost of funding earning assets | 0.2712% | 2,014 |
| Net interest margin | 4.3476% | 253 |
| Noninterest income to average assets | 0.0435% | 4,650 |
| Noninterest expense to average assets | 3.6566% | 374 |
| Loan and lease loss provision to assets | -0.2897% | 4,719 |
| Net operating income to assets | 0.7649% | 3,088 |
| Return on assets (ROA) | 0.7070% | 3,240 |
| Pretax return on assets | 0.7070% | 3,555 |
| Return on Equity (ROE) | 5.6694% | 3,665 |
| Retained earnings to average equity (ytd only) | 2.3003% | 3,667 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4993% | 474 |
| Assets per employee ($millions) | 5.5913% | 3,131 |
| Cash dividends to net income (ytd only)* | 59.4262% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 81.9020% | 290 |
| Net loans and leases to deposits | 96.3081% | 420 |
| Net loans and leases to core deposits | 97.2508% | 786 |
| Total domestic deposits to total assets | 85.0416% | 3,478 |
| Equity capital to assets | 14.0430% | 507 |
| Core capital (leverage) ratio | 12.9533% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,026,000 | 4,315 |
| Average earning assets | $64,908,667 | 4,296 |
| Average equity | $8,607,667 | 4,138 |
| Average total loans | $51,975,000 | 3,927 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 428 |
| Cost of funding earning assets | 0.2813% | 1,805 |
| Net interest margin | 4.0254% | 396 |
| Noninterest income to average assets | 0.0440% | 4,668 |
| Noninterest expense to average assets | 3.1324% | 664 |
| Loan and lease loss provision to assets | -0.5495% | 4,765 |
| Net operating income to assets | 1.2365% | 1,147 |
| Return on assets (ROA) | 1.2035% | 1,229 |
| Pretax return on assets | 1.2035% | 1,801 |
| Return on Equity (ROE) | 10.1943% | 1,888 |
| Retained earnings to average equity (ytd only) | 3.4447% | 3,137 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0144% | 980 |
| Assets per employee ($millions) | 6.6682% | 2,245 |
| Cash dividends to net income (ytd only)* | 66.2100% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 2,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 68.5712% | 1,152 |
| Net loans and leases to deposits | 78.3625% | 1,259 |
| Net loans and leases to core deposits | 78.9852% | 1,553 |
| Total domestic deposits to total assets | 87.5051% | 2,745 |
| Equity capital to assets | 11.7560% | 1,038 |
| Core capital (leverage) ratio | 11.4132% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,787,000 | 4,310 |
| Average earning assets | $68,266,500 | 4,288 |
| Average equity | $8,593,000 | 4,198 |
| Average total loans | $52,433,000 | 3,935 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 324 |
| Cost of funding earning assets | 0.3878% | 1,628 |
| Net interest margin | 4.4756% | 291 |
| Noninterest income to average assets | 0.0390% | 4,744 |
| Noninterest expense to average assets | 3.1986% | 729 |
| Loan and lease loss provision to assets | 0.0390% | 2,262 |
| Net operating income to assets | 0.9993% | 2,668 |
| Return on assets (ROA) | 1.0565% | 2,529 |
| Pretax return on assets | 1.0565% | 3,115 |
| Return on Equity (ROE) | 8.7658% | 2,990 |
| Retained earnings to average equity (ytd only) | -1.6768% | 4,611 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4934% | 1,155 |
| Assets per employee ($millions) | 6.5658% | 2,280 |
| Cash dividends to net income (ytd only)* | 119.1293% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 73.5171% | 708 |
| Net loans and leases to deposits | 84.0901% | 904 |
| Net loans and leases to core deposits | 84.7667% | 1,279 |
| Total domestic deposits to total assets | 87.4266% | 2,322 |
| Equity capital to assets | 11.8562% | 1,313 |
| Core capital (leverage) ratio | 12.1605% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,749,400 | 4,320 |
| Average earning assets | $67,298,200 | 4,296 |
| Average equity | $8,647,200 | 4,271 |
| Average total loans | $57,235,600 | 3,867 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 347 |
| Cost of funding earning assets | 0.4122% | 1,608 |
| Net interest margin | 4.5009% | 315 |
| Noninterest income to average assets | 0.0391% | 4,818 |
| Noninterest expense to average assets | 3.1085% | 807 |
| Loan and lease loss provision to assets | 0.0517% | 1,957 |
| Net operating income to assets | 1.0852% | 2,610 |
| Return on assets (ROA) | 1.1410% | 2,462 |
| Pretax return on assets | 1.1410% | 3,103 |
| Return on Equity (ROE) | 9.4288% | 2,953 |
| Retained earnings to average equity (ytd only) | -1.1844% | 4,673 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2135% | 1,285 |
| Assets per employee ($millions) | 6.3066% | 2,416 |
| Cash dividends to net income (ytd only)* | 112.5612% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 1,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 75.4155% | 587 |
| Net loans and leases to deposits | 86.8579% | 777 |
| Net loans and leases to core deposits | 87.5894% | 1,181 |
| Total domestic deposits to total assets | 86.8263% | 2,420 |
| Equity capital to assets | 12.4515% | 1,194 |
| Core capital (leverage) ratio | 11.9816% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,630,750 | 4,374 |
| Average earning assets | $66,948,250 | 4,356 |
| Average equity | $8,668,250 | 4,335 |
| Average total loans | $58,073,750 | 3,904 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 373 |
| Cost of funding earning assets | 0.4309% | 1,652 |
| Net interest margin | 4.5168% | 344 |
| Noninterest income to average assets | 0.0414% | 4,853 |
| Noninterest expense to average assets | 3.0725% | 876 |
| Loan and lease loss provision to assets | 0.0663% | 1,718 |
| Net operating income to assets | 1.1025% | 2,538 |
| Return on assets (ROA) | 1.1550% | 2,407 |
| Pretax return on assets | 1.1550% | 3,044 |
| Return on Equity (ROE) | 9.6332% | 2,897 |
| Retained earnings to average equity (ytd only) | -2.7886% | 4,708 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4430% | 1,387 |
| Assets per employee ($millions) | 5.9878% | 2,624 |
| Cash dividends to net income (ytd only)* | 128.9474% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 1,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 76.6081% | 534 |
| Net loans and leases to deposits | 89.8197% | 664 |
| Net loans and leases to core deposits | 90.9430% | 1,070 |
| Total domestic deposits to total assets | 85.2910% | 2,989 |
| Equity capital to assets | 11.9618% | 1,380 |
| Core capital (leverage) ratio | 12.1886% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,383,333 | 4,392 |
| Average earning assets | $67,304,667 | 4,377 |
| Average equity | $8,678,333 | 4,355 |
| Average total loans | $59,730,333 | 3,904 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3827% | 215 |
| Cost of funding earning assets | 0.4556% | 1,679 |
| Net interest margin | 4.9271% | 204 |
| Noninterest income to average assets | 0.0440% | 4,862 |
| Noninterest expense to average assets | 3.1384% | 790 |
| Loan and lease loss provision to assets | 0.0661% | 1,823 |
| Net operating income to assets | 1.3655% | 1,647 |
| Return on assets (ROA) | 1.4701% | 1,459 |
| Pretax return on assets | 1.4701% | 2,076 |
| Return on Equity (ROE) | 12.2477% | 1,927 |
| Retained earnings to average equity (ytd only) | -0.2294% | 4,384 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6747% | 1,853 |
| Assets per employee ($millions) | 6.7802% | 1,954 |
| Cash dividends to net income (ytd only)* | 101.8727% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 80.5677% | 309 |
| Net loans and leases to deposits | 91.9045% | 597 |
| Net loans and leases to core deposits | 93.3581% | 1,021 |
| Total domestic deposits to total assets | 87.6646% | 2,010 |
| Equity capital to assets | 11.6865% | 1,448 |
| Core capital (leverage) ratio | 12.3829% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,648,000 | 4,401 |
| Average earning assets | $66,732,500 | 4,399 |
| Average equity | $8,720,000 | 4,365 |
| Average total loans | $61,681,500 | 3,886 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 418 |
| Cost of funding earning assets | 0.9045% | 841 |
| Net interest margin | 4.1893% | 647 |
| Noninterest income to average assets | 0.0570% | 4,849 |
| Noninterest expense to average assets | 3.0630% | 1,299 |
| Loan and lease loss provision to assets | 0.0456% | 3,830 |
| Net operating income to assets | 0.8876% | 2,749 |
| Return on assets (ROA) | 0.9203% | 2,745 |
| Pretax return on assets | 0.9203% | 3,313 |
| Return on Equity (ROE) | 8.0512% | 2,799 |
| Retained earnings to average equity (ytd only) | 2.1187% | 3,775 |
| Net charge-offs to loans | 0.0065% | 3,113 |
| Credit loss provision to net charge-offs | 800.0000% | 900 |
| Earnings coverage of net charge-offs (x) | 163.7500% | 534 |
| Efficiency ratio | 76.6488% | 1,157 |
| Assets per employee ($millions) | 5.8928% | 2,442 |
| Cash dividends to net income (ytd only)* | 73.6842% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 87.3179% | 63 |
| Net loans and leases to deposits | 109.3237% | 173 |
| Net loans and leases to core deposits | 110.3316% | 497 |
| Total domestic deposits to total assets | 79.8710% | 4,065 |
| Equity capital to assets | 12.3370% | 1,401 |
| Core capital (leverage) ratio | 12.4515% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,191,600 | 4,384 |
| Average earning assets | $66,001,400 | 4,353 |
| Average equity | $8,023,600 | 4,421 |
| Average total loans | $61,462,800 | 3,890 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 814 |
| Cost of funding earning assets | 0.9981% | 765 |
| Net interest margin | 3.8470% | 1,482 |
| Noninterest income to average assets | 0.0438% | 4,903 |
| Noninterest expense to average assets | 2.9707% | 1,506 |
| Loan and lease loss provision to assets | 0.0385% | 3,868 |
| Net operating income to assets | 0.6661% | 3,577 |
| Return on assets (ROA) | 0.8012% | 3,204 |
| Pretax return on assets | 0.8012% | 3,640 |
| Return on Equity (ROE) | 7.1519% | 3,142 |
| Retained earnings to average equity (ytd only) | 1.8517% | 3,982 |
| Net charge-offs to loans | 0.0087% | 2,797 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 833 |
| Efficiency ratio | 80.8389% | 811 |
| Assets per employee ($millions) | 6.0854% | 2,192 |
| Cash dividends to net income (ytd only)* | 74.1093% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 2,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 88.8079% | 65 |
| Net loans and leases to deposits | 111.7541% | 198 |
| Net loans and leases to core deposits | 113.2648% | 586 |
| Total domestic deposits to total assets | 79.4673% | 3,965 |
| Equity capital to assets | 11.7973% | 1,808 |
| Core capital (leverage) ratio | 12.4597% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,061,000 | 4,392 |
| Average earning assets | $66,127,250 | 4,361 |
| Average equity | $7,848,500 | 4,460 |
| Average total loans | $61,202,500 | 3,912 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 1,052 |
| Cost of funding earning assets | 1.1051% | 709 |
| Net interest margin | 3.7462% | 2,006 |
| Noninterest income to average assets | 0.0347% | 4,946 |
| Noninterest expense to average assets | 2.9881% | 1,602 |
| Loan and lease loss provision to assets | 0.0232% | 3,959 |
| Net operating income to assets | 0.5472% | 3,892 |
| Return on assets (ROA) | 0.7441% | 3,349 |
| Pretax return on assets | 0.7441% | 3,758 |
| Return on Equity (ROE) | 6.7694% | 3,220 |
| Retained earnings to average equity (ytd only) | 1.4750% | 3,943 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9707% | 639 |
| Assets per employee ($millions) | 5.9470% | 2,231 |
| Cash dividends to net income (ytd only)* | 78.2101% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 2,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 83.8885% | 262 |
| Net loans and leases to deposits | 102.3305% | 438 |
| Net loans and leases to core deposits | 104.0076% | 1,004 |
| Total domestic deposits to total assets | 81.9780% | 3,376 |
| Equity capital to assets | 9.8304% | 3,342 |
| Core capital (leverage) ratio | 10.4353% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,073,000 | 4,413 |
| Average earning assets | $64,973,000 | 4,392 |
| Average equity | $7,593,000 | 4,509 |
| Average total loans | $59,737,333 | 3,951 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0611% | 863 |
| Cost of funding earning assets | 1.2784% | 599 |
| Net interest margin | 3.7827% | 2,044 |
| Noninterest income to average assets | 0.0369% | 4,993 |
| Noninterest expense to average assets | 3.1037% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4865% | 3,926 |
| Return on assets (ROA) | 0.6220% | 3,591 |
| Pretax return on assets | 0.6220% | 3,885 |
| Return on Equity (ROE) | 5.3231% | 3,532 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,988 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4494% | 672 |
| Assets per employee ($millions) | 5.0279% | 2,619 |
| Cash dividends to net income (ytd only)* | 100.0000% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 86.2522% | 125 |
| Net loans and leases to deposits | 98.3068% | 679 |
| Net loans and leases to core deposits | 100.0923% | 1,458 |
| Total domestic deposits to total assets | 87.7377% | 1,215 |
| Equity capital to assets | 11.6090% | 2,351 |
| Core capital (leverage) ratio | 11.5292% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,954,000 | 4,485 |
| Average earning assets | $61,015,000 | 4,467 |
| Average equity | $7,589,500 | 4,539 |
| Average total loans | $56,809,500 | 4,014 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 1,310 |
| Cost of funding earning assets | 1.3889% | 588 |
| Net interest margin | 3.6720% | 2,896 |
| Noninterest income to average assets | 0.0426% | 5,051 |
| Noninterest expense to average assets | 3.1156% | 1,722 |
| Loan and lease loss provision to assets | -0.0761% | 5,043 |
| Net operating income to assets | 0.5142% | 4,375 |
| Return on assets (ROA) | 0.5142% | 4,427 |
| Pretax return on assets | 0.5142% | 4,550 |
| Return on Equity (ROE) | 4.5026% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.6385% | 4,146 |
| Net charge-offs to loans | 0.0018% | 3,648 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,669 |
| Earnings coverage of net charge-offs (x) | 288.0000% | 292 |
| Efficiency ratio | 87.6712% | 458 |
| Assets per employee ($millions) | 4.9650% | 2,647 |
| Cash dividends to net income (ytd only)* | 63.6095% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 1,963 |
| Loan loss allowance to noncurrent loans | 73,000.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,685 |
| Noncurrent loans to loans | 0.0018% | 4,604 |
| Net loans and leases to total assets | 86.4234% | 144 |
| Net loans and leases to deposits | 98.7484% | 697 |
| Net loans and leases to core deposits | 101.5086% | 1,443 |
| Total domestic deposits to total assets | 87.5188% | 1,358 |
| Equity capital to assets | 11.7608% | 2,312 |
| Core capital (leverage) ratio | 11.6195% | 2,024 |
| Tier 1 risk-based capital ratio | 15.1884% | 2,705 |
| Total risk-based capital ratio | 16.4416% | 2,638 |
| Memoranda: | ||
| Average total assets | $65,734,000 | 4,500 |
| Average earning assets | $62,853,800 | 4,462 |
| Average equity | $7,506,800 | 4,573 |
| Average total loans | $55,650,400 | 4,062 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 1,430 |
| Cost of funding earning assets | 1.3746% | 627 |
| Net interest margin | 3.6706% | 3,024 |
| Noninterest income to average assets | 0.0444% | 5,124 |
| Noninterest expense to average assets | 3.0813% | 1,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4785% | 4,571 |
| Return on assets (ROA) | 0.4785% | 4,609 |
| Pretax return on assets | 0.4785% | 4,725 |
| Return on Equity (ROE) | 4.2212% | 4,549 |
| Retained earnings to average equity (ytd only) | 1.5139% | 4,430 |
| Net charge-offs to loans | 0.0024% | 3,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 237.5865% | 389 |
| Efficiency ratio | 86.5570% | 470 |
| Assets per employee ($millions) | 4.9378% | 2,628 |
| Cash dividends to net income (ytd only)* | 64.1349% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 86.7850% | 147 |
| Net loans and leases to deposits | 99.2093% | 705 |
| Net loans and leases to core deposits | 102.4552% | 1,460 |
| Total domestic deposits to total assets | 87.4766% | 1,272 |
| Equity capital to assets | 11.7554% | 2,451 |
| Core capital (leverage) ratio | 11.2806% | 2,399 |
| Tier 1 risk-based capital ratio | 15.1488% | 2,781 |
| Total risk-based capital ratio | 16.4032% | 2,712 |
| Memoranda: | ||
| Average total assets | $66,031,250 | 4,554 |
| Average earning assets | $63,239,750 | 4,504 |
| Average equity | $7,485,750 | 4,628 |
| Average total loans | $55,435,000 | 4,114 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 1,524 |
| Cost of funding earning assets | 1.3133% | 715 |
| Net interest margin | 3.6703% | 3,031 |
| Noninterest income to average assets | 0.0480% | 5,171 |
| Noninterest expense to average assets | 3.0430% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5192% | 4,488 |
| Return on assets (ROA) | 0.5192% | 4,520 |
| Pretax return on assets | 0.5192% | 4,669 |
| Return on Equity (ROE) | 4.6345% | 4,436 |
| Retained earnings to average equity (ytd only) | 2.5718% | 3,910 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4254% | 573 |
| Assets per employee ($millions) | 5.1252% | 2,328 |
| Cash dividends to net income (ytd only)* | 44.5087% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 81.8827% | 624 |
| Net loans and leases to deposits | 93.0672% | 1,365 |
| Net loans and leases to core deposits | 95.9733% | 2,075 |
| Total domestic deposits to total assets | 87.9823% | 1,109 |
| Equity capital to assets | 11.3227% | 2,767 |
| Core capital (leverage) ratio | 11.3383% | 2,306 |
| Tier 1 risk-based capital ratio | 15.5190% | 2,621 |
| Total risk-based capital ratio | 16.7731% | 2,549 |
| Memoranda: | ||
| Average total assets | $66,644,330 | 4,575 |
| Average earning assets | $63,809,000 | 4,527 |
| Average equity | $7,465,670 | 4,655 |
| Average total loans | $55,083,670 | 4,144 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 1,602 |
| Cost of funding earning assets | 1.2134% | 867 |
| Net interest margin | 3.6837% | 2,955 |
| Noninterest income to average assets | 0.0360% | 5,245 |
| Noninterest expense to average assets | 2.9946% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5941% | 4,260 |
| Return on assets (ROA) | 0.5941% | 4,293 |
| Pretax return on assets | 0.5941% | 4,527 |
| Return on Equity (ROE) | 5.3323% | 4,239 |
| Retained earnings to average equity (ytd only) | 3.2855% | 3,607 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4448% | 751 |
| Assets per employee ($millions) | 5.0352% | 2,474 |
| Cash dividends to net income (ytd only)* | 38.3838% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.6674% | 402 |
| Net loans and leases to deposits | 95.2420% | 1,039 |
| Net loans and leases to core deposits | 96.9585% | 1,859 |
| Total domestic deposits to total assets | 87.8472% | 1,419 |
| Equity capital to assets | 11.3951% | 2,491 |
| Core capital (leverage) ratio | 11.2325% | 2,361 |
| Tier 1 risk-based capital ratio | 15.4169% | 2,693 |
| Total risk-based capital ratio | 16.6705% | 2,601 |
| Memoranda: | ||
| Average total assets | $66,653,000 | 4,627 |
| Average earning assets | $64,282,500 | 4,576 |
| Average equity | $7,426,500 | 4,692 |
| Average total loans | $54,956,500 | 4,187 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 1,578 |
| Cost of funding earning assets | 0.9361% | 978 |
| Net interest margin | 3.8498% | 2,504 |
| Noninterest income to average assets | 0.0398% | 5,291 |
| Noninterest expense to average assets | 3.2068% | 1,532 |
| Loan and lease loss provision to assets | 0.0643% | 2,872 |
| Net operating income to assets | 0.4620% | 4,743 |
| Return on assets (ROA) | 0.4620% | 4,740 |
| Pretax return on assets | 0.4620% | 4,853 |
| Return on Equity (ROE) | 4.1335% | 4,679 |
| Retained earnings to average equity (ytd only) | 2.3952% | 4,182 |
| Net charge-offs to loans | -0.1059% | 5,162 |
| Credit loss provision to net charge-offs | -72.4138% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9016% | 531 |
| Assets per employee ($millions) | 5.2191% | 2,246 |
| Cash dividends to net income (ytd only)* | 42.0530% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 1,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.9736% | 1,101 |
| Net loans and leases to deposits | 89.3272% | 1,887 |
| Net loans and leases to core deposits | 90.8616% | 2,502 |
| Total domestic deposits to total assets | 88.4094% | 1,112 |
| Equity capital to assets | 10.8979% | 2,794 |
| Core capital (leverage) ratio | 11.3104% | 2,261 |
| Tier 1 risk-based capital ratio | 15.7172% | 2,523 |
| Total risk-based capital ratio | 16.9718% | 2,448 |
| Memoranda: | ||
| Average total assets | $65,361,600 | 4,671 |
| Average earning assets | $62,704,600 | 4,615 |
| Average equity | $7,306,200 | 4,703 |
| Average total loans | $54,772,200 | 4,215 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 1,502 |
| Cost of funding earning assets | 0.8517% | 1,113 |
| Net interest margin | 3.9163% | 2,237 |
| Noninterest income to average assets | 0.0412% | 5,364 |
| Noninterest expense to average assets | 3.2787% | 1,348 |
| Loan and lease loss provision to assets | 0.0865% | 2,244 |
| Net operating income to assets | 0.4263% | 4,904 |
| Return on assets (ROA) | 0.4263% | 4,912 |
| Pretax return on assets | 0.4263% | 5,005 |
| Return on Equity (ROE) | 3.7889% | 4,866 |
| Retained earnings to average equity (ytd only) | 1.9951% | 4,582 |
| Net charge-offs to loans | -0.1409% | 5,233 |
| Credit loss provision to net charge-offs | -72.4138% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4747% | 490 |
| Assets per employee ($millions) | 4.9570% | 2,522 |
| Cash dividends to net income (ytd only)* | 47.3423% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 84.1452% | 441 |
| Net loans and leases to deposits | 104.2849% | 534 |
| Net loans and leases to core deposits | 105.3036% | 1,355 |
| Total domestic deposits to total assets | 80.6878% | 3,957 |
| Equity capital to assets | 11.3608% | 2,348 |
| Core capital (leverage) ratio | 11.3642% | 2,277 |
| Tier 1 risk-based capital ratio | 15.3284% | 2,726 |
| Total risk-based capital ratio | 16.5840% | 2,649 |
| Memoranda: | ||
| Average total assets | $64,740,000 | 4,726 |
| Average earning assets | $61,995,750 | 4,677 |
| Average equity | $7,284,250 | 4,755 |
| Average total loans | $54,874,250 | 4,254 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,552 |
| Cost of funding earning assets | 0.7499% | 1,370 |
| Net interest margin | 3.9295% | 2,109 |
| Noninterest income to average assets | 0.0432% | 5,421 |
| Noninterest expense to average assets | 3.2943% | 1,338 |
| Loan and lease loss provision to assets | 0.0987% | 1,964 |
| Net operating income to assets | 0.4164% | 4,929 |
| Return on assets (ROA) | 0.4164% | 4,933 |
| Pretax return on assets | 0.4164% | 5,026 |
| Return on Equity (ROE) | 3.7129% | 4,885 |
| Retained earnings to average equity (ytd only) | 1.5402% | 4,625 |
| Net charge-offs to loans | -0.0146% | 4,448 |
| Credit loss provision to net charge-offs | -800.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4777% | 550 |
| Assets per employee ($millions) | 4.9478% | 2,486 |
| Cash dividends to net income (ytd only)* | 58.5185% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.7723% | 480 |
| Net loans and leases to deposits | 103.1194% | 581 |
| Net loans and leases to core deposits | 103.1194% | 1,474 |
| Total domestic deposits to total assets | 81.2381% | 3,934 |
| Equity capital to assets | 11.3367% | 2,321 |
| Core capital (leverage) ratio | 11.4992% | 2,078 |
| Tier 1 risk-based capital ratio | 15.2486% | 2,759 |
| Total risk-based capital ratio | 16.5018% | 2,685 |
| Memoranda: | ||
| Average total assets | $64,839,670 | 4,779 |
| Average earning assets | $62,145,670 | 4,726 |
| Average equity | $7,272,000 | 4,805 |
| Average total loans | $54,830,330 | 4,285 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 1,418 |
| Cost of funding earning assets | 0.7163% | 1,362 |
| Net interest margin | 3.9395% | 1,901 |
| Noninterest income to average assets | 0.0492% | 5,475 |
| Noninterest expense to average assets | 3.2505% | 1,451 |
| Loan and lease loss provision to assets | 0.0983% | 1,879 |
| Net operating income to assets | 0.4854% | 4,731 |
| Return on assets (ROA) | 0.4854% | 4,735 |
| Pretax return on assets | 0.4854% | 4,894 |
| Return on Equity (ROE) | 4.3514% | 4,665 |
| Retained earnings to average equity (ytd only) | 1.9278% | 4,373 |
| Net charge-offs to loans | -0.0218% | 4,604 |
| Credit loss provision to net charge-offs | -533.3333% | 4,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7756% | 738 |
| Assets per employee ($millions) | 4.3109% | 3,464 |
| Cash dividends to net income (ytd only)* | 55.6962% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 2,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.2572% | 633 |
| Net loans and leases to deposits | 98.7139% | 813 |
| Net loans and leases to core deposits | 99.1777% | 1,749 |
| Total domestic deposits to total assets | 83.3290% | 3,570 |
| Equity capital to assets | 11.2445% | 2,352 |
| Core capital (leverage) ratio | 11.2137% | 2,235 |
| Tier 1 risk-based capital ratio | 15.5825% | 2,635 |
| Total risk-based capital ratio | 16.8354% | 2,580 |
| Memoranda: | ||
| Average total assets | $65,098,500 | 4,829 |
| Average earning assets | $62,546,500 | 4,777 |
| Average equity | $7,262,000 | 4,857 |
| Average total loans | $54,944,500 | 4,331 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 1,130 |
| Cost of funding earning assets | 0.5743% | 1,787 |
| Net interest margin | 4.1528% | 1,294 |
| Noninterest income to average assets | 0.0373% | 5,558 |
| Noninterest expense to average assets | 3.4766% | 1,074 |
| Loan and lease loss provision to assets | 0.0102% | 4,076 |
| Net operating income to assets | 0.5398% | 4,260 |
| Return on assets (ROA) | 0.5398% | 4,294 |
| Pretax return on assets | 0.5398% | 4,864 |
| Return on Equity (ROE) | 4.4542% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.8994% | 3,571 |
| Net charge-offs to loans | -0.0059% | 4,667 |
| Credit loss provision to net charge-offs | -200.0000% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3406% | 623 |
| Assets per employee ($millions) | 4.3689% | 3,376 |
| Cash dividends to net income (ytd only)* | 34.9057% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 84.4081% | 407 |
| Net loans and leases to deposits | 104.7632% | 458 |
| Net loans and leases to core deposits | 105.2656% | 1,320 |
| Total domestic deposits to total assets | 80.5704% | 4,225 |
| Equity capital to assets | 11.0675% | 2,568 |
| Core capital (leverage) ratio | 11.4829% | 1,950 |
| Tier 1 risk-based capital ratio | 14.9449% | 2,873 |
| Total risk-based capital ratio | 16.1979% | 2,803 |
| Memoranda: | ||
| Average total assets | $58,908,800 | 4,983 |
| Average earning assets | $56,588,600 | 4,936 |
| Average equity | $7,139,400 | 4,920 |
| Average total loans | $51,174,800 | 4,426 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 1,057 |
| Cost of funding earning assets | 0.5589% | 1,817 |
| Net interest margin | 4.1798% | 1,205 |
| Noninterest income to average assets | 0.0396% | 5,629 |
| Noninterest expense to average assets | 3.5421% | 932 |
| Loan and lease loss provision to assets | 0.0140% | 3,871 |
| Net operating income to assets | 0.4890% | 4,762 |
| Return on assets (ROA) | 0.4890% | 4,799 |
| Pretax return on assets | 0.4890% | 5,049 |
| Return on Equity (ROE) | 3.9374% | 4,870 |
| Retained earnings to average equity (ytd only) | 2.5500% | 4,359 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5648% | 532 |
| Assets per employee ($millions) | 4.1513% | 3,738 |
| Cash dividends to net income (ytd only)* | 35.2370% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.7537% | 734 |
| Net loans and leases to deposits | 94.8414% | 1,219 |
| Net loans and leases to core deposits | 95.2887% | 2,148 |
| Total domestic deposits to total assets | 86.2004% | 2,231 |
| Equity capital to assets | 11.5690% | 2,303 |
| Core capital (leverage) ratio | 11.9384% | 1,729 |
| Tier 1 risk-based capital ratio | 16.2079% | 2,412 |
| Total risk-based capital ratio | 17.4605% | 2,364 |
| Memoranda: | ||
| Average total assets | $57,252,500 | 5,072 |
| Average earning assets | $54,866,250 | 5,031 |
| Average equity | $7,111,000 | 4,977 |
| Average total loans | $49,969,000 | 4,506 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 984 |
| Cost of funding earning assets | 0.5375% | 1,859 |
| Net interest margin | 4.2022% | 1,073 |
| Noninterest income to average assets | 0.0432% | 5,663 |
| Noninterest expense to average assets | 3.6272% | 841 |
| Loan and lease loss provision to assets | 0.0216% | 3,555 |
| Net operating income to assets | 0.4174% | 4,942 |
| Return on assets (ROA) | 0.4174% | 4,968 |
| Pretax return on assets | 0.4174% | 5,150 |
| Return on Equity (ROE) | 3.2768% | 5,047 |
| Retained earnings to average equity (ytd only) | 1.7232% | 4,560 |
| Net charge-offs to loans | 0.0121% | 3,031 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,236 |
| Efficiency ratio | 89.2035% | 487 |
| Assets per employee ($millions) | 3.8955% | 4,135 |
| Cash dividends to net income (ytd only)* | 47.4138% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 2,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 85.4994% | 310 |
| Net loans and leases to deposits | 103.6150% | 517 |
| Net loans and leases to core deposits | 104.1594% | 1,342 |
| Total domestic deposits to total assets | 82.5164% | 3,721 |
| Equity capital to assets | 12.2074% | 1,783 |
| Core capital (leverage) ratio | 12.5600% | 1,343 |
| Tier 1 risk-based capital ratio | 16.2264% | 2,420 |
| Total risk-based capital ratio | 17.4795% | 2,356 |
| Memoranda: | ||
| Average total assets | $55,580,000 | 5,146 |
| Average earning assets | $53,210,000 | 5,101 |
| Average equity | $7,080,000 | 5,009 |
| Average total loans | $49,429,670 | 4,544 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 763 |
| Cost of funding earning assets | 0.5330% | 1,841 |
| Net interest margin | 4.2565% | 877 |
| Noninterest income to average assets | 0.0295% | 5,759 |
| Noninterest expense to average assets | 3.6045% | 894 |
| Loan and lease loss provision to assets | 0.0443% | 2,910 |
| Net operating income to assets | 0.4506% | 4,775 |
| Return on assets (ROA) | 0.4506% | 4,796 |
| Pretax return on assets | 0.4506% | 5,057 |
| Return on Equity (ROE) | 3.4593% | 4,973 |
| Retained earnings to average equity (ytd only) | 1.5312% | 4,489 |
| Net charge-offs to loans | -0.0164% | 4,634 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9279% | 664 |
| Assets per employee ($millions) | 3.6995% | 4,507 |
| Cash dividends to net income (ytd only)* | 55.7377% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 2,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 88.9013% | 87 |
| Net loans and leases to deposits | 104.9459% | 363 |
| Net loans and leases to core deposits | 105.5115% | 1,140 |
| Total domestic deposits to total assets | 84.7116% | 3,209 |
| Equity capital to assets | 12.7349% | 1,384 |
| Core capital (leverage) ratio | 12.9146% | 1,178 |
| Tier 1 risk-based capital ratio | 16.2434% | 2,457 |
| Total risk-based capital ratio | 17.4970% | 2,397 |
| Memoranda: | ||
| Average total assets | $54,154,000 | 5,224 |
| Average earning assets | $51,780,000 | 5,176 |
| Average equity | $7,053,500 | 5,052 |
| Average total loans | $48,827,000 | 4,596 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,218 |
| Cost of funding earning assets | 0.4828% | 2,231 |
| Net interest margin | 4.1439% | 1,261 |
| Noninterest income to average assets | 0.0361% | 5,805 |
| Noninterest expense to average assets | 3.6456% | 955 |
| Loan and lease loss provision to assets | 0.0627% | 3,121 |
| Net operating income to assets | 0.2756% | 5,274 |
| Return on assets (ROA) | 0.2775% | 5,336 |
| Pretax return on assets | 0.2775% | 5,395 |
| Return on Equity (ROE) | 2.0892% | 5,385 |
| Retained earnings to average equity (ytd only) | 1.5455% | 4,640 |
| Net charge-offs to loans | -0.0275% | 5,213 |
| Credit loss provision to net charge-offs | -275.0000% | 5,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5076% | 483 |
| Assets per employee ($millions) | 3.7725% | 4,358 |
| Cash dividends to net income (ytd only)* | 26.0274% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 2,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 88.9255% | 99 |
| Net loans and leases to deposits | 103.7510% | 438 |
| Net loans and leases to core deposits | 104.9191% | 1,211 |
| Total domestic deposits to total assets | 85.7105% | 2,725 |
| Equity capital to assets | 13.3295% | 1,123 |
| Core capital (leverage) ratio | 12.9371% | 1,156 |
| Tier 1 risk-based capital ratio | 16.8098% | 2,227 |
| Total risk-based capital ratio | 18.0643% | 2,177 |
| Memoranda: | ||
| Average total assets | $52,612,000 | 5,295 |
| Average earning assets | $50,122,200 | 5,248 |
| Average equity | $6,988,200 | 5,092 |
| Average total loans | $43,687,200 | 4,763 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 1,325 |
| Cost of funding earning assets | 0.4583% | 2,475 |
| Net interest margin | 4.1249% | 1,325 |
| Noninterest income to average assets | 0.0355% | 5,866 |
| Noninterest expense to average assets | 3.7010% | 840 |
| Loan and lease loss provision to assets | 0.0609% | 3,025 |
| Net operating income to assets | 0.2004% | 5,462 |
| Return on assets (ROA) | 0.2029% | 5,521 |
| Pretax return on assets | 0.2029% | 5,563 |
| Return on Equity (ROE) | 1.5291% | 5,555 |
| Retained earnings to average equity (ytd only) | 1.0130% | 5,085 |
| Net charge-offs to loans | -0.0281% | 5,140 |
| Credit loss provision to net charge-offs | -266.6667% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4059% | 410 |
| Assets per employee ($millions) | 3.8984% | 4,131 |
| Cash dividends to net income (ytd only)* | 33.7521% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.5288% | 813 |
| Net loans and leases to deposits | 94.4858% | 1,211 |
| Net loans and leases to core deposits | 95.5187% | 2,049 |
| Total domestic deposits to total assets | 85.2285% | 2,705 |
| Equity capital to assets | 12.8312% | 1,576 |
| Core capital (leverage) ratio | 13.1985% | 1,110 |
| Tier 1 risk-based capital ratio | 17.7634% | 1,987 |
| Total risk-based capital ratio | 19.0176% | 1,944 |
| Memoranda: | ||
| Average total assets | $52,561,250 | 5,350 |
| Average earning assets | $50,036,250 | 5,296 |
| Average equity | $6,975,250 | 5,143 |
| Average total loans | $42,699,250 | 4,839 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,333 |
| Cost of funding earning assets | 0.4246% | 2,781 |
| Net interest margin | 4.1445% | 1,250 |
| Noninterest income to average assets | 0.0154% | 5,974 |
| Noninterest expense to average assets | 3.7426% | 828 |
| Loan and lease loss provision to assets | 0.0578% | 2,984 |
| Net operating income to assets | 0.1657% | 5,588 |
| Return on assets (ROA) | 0.1889% | 5,601 |
| Pretax return on assets | 0.1889% | 5,629 |
| Return on Equity (ROE) | 1.4068% | 5,627 |
| Retained earnings to average equity (ytd only) | 0.9187% | 5,024 |
| Net charge-offs to loans | -0.0285% | 5,094 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3635% | 401 |
| Assets per employee ($millions) | 3.5835% | 4,622 |
| Cash dividends to net income (ytd only)* | 34.6939% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 1,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 84.3250% | 396 |
| Net loans and leases to deposits | 101.6043% | 592 |
| Net loans and leases to core deposits | 102.8418% | 1,413 |
| Total domestic deposits to total assets | 82.9935% | 3,657 |
| Equity capital to assets | 13.9289% | 1,051 |
| Core capital (leverage) ratio | 13.6466% | 934 |
| Tier 1 risk-based capital ratio | 18.3175% | 1,844 |
| Total risk-based capital ratio | 19.5725% | 1,807 |
| Memoranda: | ||
| Average total assets | $51,889,000 | 5,419 |
| Average earning assets | $49,463,670 | 5,365 |
| Average equity | $6,966,000 | 5,199 |
| Average total loans | $42,061,670 | 4,899 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 1,591 |
| Cost of funding earning assets | 0.3971% | 3,105 |
| Net interest margin | 4.0741% | 1,415 |
| Noninterest income to average assets | -0.0076% | 6,089 |
| Noninterest expense to average assets | 3.7309% | 861 |
| Loan and lease loss provision to assets | 0.0455% | 3,012 |
| Net operating income to assets | 0.1062% | 5,674 |
| Return on assets (ROA) | 0.1517% | 5,664 |
| Pretax return on assets | 0.1517% | 5,691 |
| Return on Equity (ROE) | 1.1503% | 5,668 |
| Retained earnings to average equity (ytd only) | 0.5751% | 4,972 |
| Net charge-offs to loans | -0.0288% | 5,047 |
| Credit loss provision to net charge-offs | -200.0000% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0938% | 395 |
| Assets per employee ($millions) | 3.9638% | 4,017 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 1,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.5752% | 1,016 |
| Net loans and leases to deposits | 95.2525% | 1,016 |
| Net loans and leases to core deposits | 95.2525% | 1,866 |
| Total domestic deposits to total assets | 82.4914% | 4,072 |
| Equity capital to assets | 13.5341% | 1,172 |
| Core capital (leverage) ratio | 13.3032% | 1,050 |
| Tier 1 risk-based capital ratio | 18.4786% | 1,856 |
| Total risk-based capital ratio | 19.7353% | 1,817 |
| Memoranda: | ||
| Average total assets | $52,749,000 | 5,455 |
| Average earning assets | $50,366,500 | 5,395 |
| Average equity | $6,955,000 | 5,242 |
| Average total loans | $41,615,500 | 4,946 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 1,603 |
| Cost of funding earning assets | 0.4548% | 2,579 |
| Net interest margin | 4.0435% | 1,579 |
| Noninterest income to average assets | 0.0626% | 5,970 |
| Noninterest expense to average assets | 3.4106% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5178% | 4,626 |
| Return on assets (ROA) | 0.5178% | 4,709 |
| Pretax return on assets | 0.5178% | 5,070 |
| Return on Equity (ROE) | 4.0622% | 4,920 |
| Retained earnings to average equity (ytd only) | 1.3300% | 4,968 |
| Net charge-offs to loans | -0.0286% | 5,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8199% | 927 |
| Assets per employee ($millions) | 4.1515% | 3,659 |
| Cash dividends to net income (ytd only)* | 67.2598% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 2,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.8534% | 1,279 |
| Net loans and leases to deposits | 95.6132% | 1,058 |
| Net loans and leases to core deposits | 95.6132% | 1,886 |
| Total domestic deposits to total assets | 80.3795% | 4,645 |
| Equity capital to assets | 12.8518% | 1,432 |
| Core capital (leverage) ratio | 12.7529% | 1,244 |
| Tier 1 risk-based capital ratio | 17.9906% | 1,967 |
| Total risk-based capital ratio | 19.2445% | 1,923 |
| Memoranda: | ||
| Average total assets | $54,271,200 | 5,452 |
| Average earning assets | $51,885,400 | 5,397 |
| Average equity | $6,917,400 | 5,257 |
| Average total loans | $41,921,000 | 4,936 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 1,524 |
| Cost of funding earning assets | 0.4597% | 2,592 |
| Net interest margin | 4.0655% | 1,510 |
| Noninterest income to average assets | 0.0368% | 6,130 |
| Noninterest expense to average assets | 3.3758% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5446% | 4,613 |
| Return on assets (ROA) | 0.5446% | 4,709 |
| Pretax return on assets | 0.5446% | 5,113 |
| Return on Equity (ROE) | 4.2818% | 4,921 |
| Retained earnings to average equity (ytd only) | 0.7330% | 5,395 |
| Net charge-offs to loans | -0.0287% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1076% | 998 |
| Assets per employee ($millions) | 4.4528% | 3,094 |
| Cash dividends to net income (ytd only)* | 82.8846% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 2,293 |
| Loan loss allowance to noncurrent loans | 20,833.3333% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,787 |
| Noncurrent loans to loans | 0.0070% | 5,624 |
| Net loans and leases to total assets | 78.4894% | 1,026 |
| Net loans and leases to deposits | 98.8428% | 744 |
| Net loans and leases to core deposits | 98.8428% | 1,625 |
| Total domestic deposits to total assets | 79.4082% | 4,883 |
| Equity capital to assets | 12.9393% | 1,479 |
| Core capital (leverage) ratio | 12.6632% | 1,340 |
| Tier 1 risk-based capital ratio | 17.8505% | 2,072 |
| Total risk-based capital ratio | 19.1043% | 2,039 |
| Memoranda: | ||
| Average total assets | $54,346,750 | 5,516 |
| Average earning assets | $51,914,750 | 5,463 |
| Average equity | $6,912,750 | 5,328 |
| Average total loans | $41,875,000 | 4,996 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 1,531 |
| Cost of funding earning assets | 0.4563% | 2,648 |
| Net interest margin | 4.0457% | 1,507 |
| Noninterest income to average assets | 0.0403% | 6,200 |
| Noninterest expense to average assets | 3.1546% | 2,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7466% | 3,655 |
| Return on assets (ROA) | 0.7466% | 3,753 |
| Pretax return on assets | 0.7466% | 4,504 |
| Return on Equity (ROE) | 5.9025% | 4,174 |
| Retained earnings to average equity (ytd only) | 1.5335% | 4,931 |
| Net charge-offs to loans | -0.0192% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8630% | 1,643 |
| Assets per employee ($millions) | 5.5288% | 1,708 |
| Cash dividends to net income (ytd only)* | 74.0196% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 2,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 70.5234% | 2,240 |
| Net loans and leases to deposits | 88.7955% | 1,745 |
| Net loans and leases to core deposits | 88.7955% | 2,475 |
| Total domestic deposits to total assets | 79.4223% | 4,999 |
| Equity capital to assets | 12.5416% | 1,636 |
| Core capital (leverage) ratio | 12.4172% | 1,420 |
| Tier 1 risk-based capital ratio | 19.2413% | 1,732 |
| Total risk-based capital ratio | 20.4974% | 1,700 |
| Memoranda: | ||
| Average total assets | $54,651,000 | 5,570 |
| Average earning assets | $52,154,000 | 5,507 |
| Average equity | $6,912,330 | 5,372 |
| Average total loans | $41,645,000 | 5,042 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 1,159 |
| Cost of funding earning assets | 0.4718% | 2,545 |
| Net interest margin | 4.1610% | 1,143 |
| Noninterest income to average assets | 0.0221% | 6,288 |
| Noninterest expense to average assets | 3.1731% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8098% | 3,214 |
| Return on assets (ROA) | 0.8098% | 3,336 |
| Pretax return on assets | 0.8098% | 4,203 |
| Return on Equity (ROE) | 6.3754% | 3,841 |
| Retained earnings to average equity (ytd only) | 0.9853% | 5,076 |
| Net charge-offs to loans | -0.0188% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6673% | 1,936 |
| Assets per employee ($millions) | 5.0066% | 2,349 |
| Cash dividends to net income (ytd only)* | 84.5455% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 2,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.7309% | 1,095 |
| Net loans and leases to deposits | 97.1426% | 757 |
| Net loans and leases to core deposits | 99.4493% | 1,362 |
| Total domestic deposits to total assets | 78.9879% | 5,267 |
| Equity capital to assets | 12.5379% | 1,672 |
| Core capital (leverage) ratio | 12.7413% | 1,258 |
| Tier 1 risk-based capital ratio | 17.3955% | 2,341 |
| Total risk-based capital ratio | 18.6493% | 2,292 |
| Memoranda: | ||
| Average total assets | $54,332,500 | 5,633 |
| Average earning assets | $51,718,500 | 5,571 |
| Average equity | $6,901,500 | 5,425 |
| Average total loans | $42,662,000 | 5,040 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7839% | 1,147 |
| Cost of funding earning assets | 0.4925% | 2,744 |
| Net interest margin | 4.2914% | 1,076 |
| Noninterest income to average assets | 0.0336% | 6,327 |
| Noninterest expense to average assets | 3.1804% | 2,257 |
| Loan and lease loss provision to assets | 0.0354% | 3,882 |
| Net operating income to assets | 0.8972% | 2,891 |
| Return on assets (ROA) | 0.8972% | 2,977 |
| Pretax return on assets | 0.8972% | 3,916 |
| Return on Equity (ROE) | 7.0272% | 3,611 |
| Retained earnings to average equity (ytd only) | 1.0665% | 5,292 |
| Net charge-offs to loans | -0.0403% | 5,863 |
| Credit loss provision to net charge-offs | -111.7647% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3243% | 2,309 |
| Assets per employee ($millions) | 4.8720% | 2,503 |
| Cash dividends to net income (ytd only)* | 84.8233% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 2,677 |
| Loan loss allowance to noncurrent loans | 12,340.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 6,033 |
| Noncurrent loans to loans | 0.0118% | 5,866 |
| Net loans and leases to total assets | 78.0527% | 991 |
| Net loans and leases to deposits | 93.9683% | 1,076 |
| Net loans and leases to core deposits | 96.1410% | 1,704 |
| Total domestic deposits to total assets | 83.0628% | 4,055 |
| Equity capital to assets | 12.8713% | 1,429 |
| Core capital (leverage) ratio | 12.7409% | 1,231 |
| Tier 1 risk-based capital ratio | 17.7132% | 2,230 |
| Total risk-based capital ratio | 18.9669% | 2,198 |
| Memoranda: | ||
| Average total assets | $53,609,400 | 5,704 |
| Average earning assets | $50,962,200 | 5,645 |
| Average equity | $6,844,800 | 5,449 |
| Average total loans | $42,184,000 | 5,096 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 1,132 |
| Cost of funding earning assets | 0.4916% | 2,846 |
| Net interest margin | 4.2933% | 1,068 |
| Noninterest income to average assets | 0.0298% | 6,422 |
| Noninterest expense to average assets | 3.1857% | 2,218 |
| Loan and lease loss provision to assets | 0.0472% | 3,434 |
| Net operating income to assets | 0.8804% | 3,018 |
| Return on assets (ROA) | 0.8804% | 3,115 |
| Pretax return on assets | 0.8804% | 4,074 |
| Return on Equity (ROE) | 6.9090% | 3,747 |
| Retained earnings to average equity (ytd only) | 0.6441% | 5,611 |
| Net charge-offs to loans | -0.0411% | 5,840 |
| Credit loss provision to net charge-offs | -146.1538% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4486% | 2,275 |
| Assets per employee ($millions) | 5.3341% | 1,874 |
| Cash dividends to net income (ytd only)* | 90.6778% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 2,915 |
| Loan loss allowance to noncurrent loans | 8,757.1429% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,129 |
| Noncurrent loans to loans | 0.0166% | 5,963 |
| Net loans and leases to total assets | 77.7732% | 981 |
| Net loans and leases to deposits | 94.4042% | 1,002 |
| Net loans and leases to core deposits | 96.6116% | 1,625 |
| Total domestic deposits to total assets | 82.3832% | 4,348 |
| Equity capital to assets | 12.8457% | 1,506 |
| Core capital (leverage) ratio | 12.5542% | 1,377 |
| Tier 1 risk-based capital ratio | 17.7921% | 2,278 |
| Total risk-based capital ratio | 19.0459% | 2,245 |
| Memoranda: | ||
| Average total assets | $53,613,750 | 5,767 |
| Average earning assets | $50,992,750 | 5,706 |
| Average equity | $6,831,500 | 5,507 |
| Average total loans | $42,118,250 | 5,158 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 1,126 |
| Cost of funding earning assets | 0.4853% | 2,973 |
| Net interest margin | 4.2859% | 1,051 |
| Noninterest income to average assets | 0.0298% | 6,495 |
| Noninterest expense to average assets | 3.1394% | 2,360 |
| Loan and lease loss provision to assets | 0.0708% | 2,858 |
| Net operating income to assets | 0.8975% | 2,824 |
| Return on assets (ROA) | 0.8975% | 2,920 |
| Pretax return on assets | 0.8975% | 3,897 |
| Return on Equity (ROE) | 7.0626% | 3,597 |
| Retained earnings to average equity (ytd only) | 1.1136% | 5,314 |
| Net charge-offs to loans | -0.0475% | 5,850 |
| Credit loss provision to net charge-offs | -190.0000% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4279% | 2,549 |
| Assets per employee ($millions) | 5.4185% | 1,770 |
| Cash dividends to net income (ytd only)* | 84.2324% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 3,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 76.5378% | 1,102 |
| Net loans and leases to deposits | 92.6459% | 1,082 |
| Net loans and leases to core deposits | 94.7671% | 1,705 |
| Total domestic deposits to total assets | 82.6133% | 4,441 |
| Equity capital to assets | 12.6769% | 1,551 |
| Core capital (leverage) ratio | 12.4248% | 1,434 |
| Tier 1 risk-based capital ratio | 17.9197% | 2,272 |
| Total risk-based capital ratio | 19.1736% | 2,240 |
| Memoranda: | ||
| Average total assets | $53,704,670 | 5,816 |
| Average earning assets | $51,098,330 | 5,751 |
| Average equity | $6,824,670 | 5,533 |
| Average total loans | $42,125,000 | 5,195 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 1,113 |
| Cost of funding earning assets | 0.4797% | 3,112 |
| Net interest margin | 4.2856% | 1,027 |
| Noninterest income to average assets | 0.0299% | 6,535 |
| Noninterest expense to average assets | 3.0749% | 2,602 |
| Loan and lease loss provision to assets | 0.1197% | 1,994 |
| Net operating income to assets | 0.9128% | 2,588 |
| Return on assets (ROA) | 0.9128% | 2,661 |
| Pretax return on assets | 0.9128% | 3,654 |
| Return on Equity (ROE) | 7.1738% | 3,373 |
| Retained earnings to average equity (ytd only) | -1.1760% | 5,758 |
| Net charge-offs to loans | -0.0475% | 5,784 |
| Credit loss provision to net charge-offs | -320.0000% | 5,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8634% | 2,990 |
| Assets per employee ($millions) | 5.3857% | 1,820 |
| Cash dividends to net income (ytd only)* | 116.3934% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 3,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 76.3002% | 968 |
| Net loans and leases to deposits | 92.3003% | 929 |
| Net loans and leases to core deposits | 92.3003% | 1,700 |
| Total domestic deposits to total assets | 82.6652% | 4,730 |
| Equity capital to assets | 12.6186% | 1,512 |
| Core capital (leverage) ratio | 12.6397% | 1,323 |
| Tier 1 risk-based capital ratio | 17.7644% | 2,386 |
| Total risk-based capital ratio | 19.0181% | 2,355 |
| Memoranda: | ||
| Average total assets | $53,464,500 | 5,874 |
| Average earning assets | $50,867,500 | 5,817 |
| Average equity | $6,802,500 | 5,565 |
| Average total loans | $42,146,500 | 5,231 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6519% | 1,709 |
| Cost of funding earning assets | 0.5988% | 2,671 |
| Net interest margin | 4.0530% | 1,795 |
| Noninterest income to average assets | 0.0522% | 6,546 |
| Noninterest expense to average assets | 2.7697% | 3,836 |
| Loan and lease loss provision to assets | 0.2350% | 1,537 |
| Net operating income to assets | 0.9122% | 2,717 |
| Return on assets (ROA) | 0.9122% | 2,808 |
| Pretax return on assets | 0.9122% | 3,716 |
| Return on Equity (ROE) | 7.7893% | 3,148 |
| Retained earnings to average equity (ytd only) | 2.6311% | 4,378 |
| Net charge-offs to loans | 0.6246% | 1,050 |
| Credit loss provision to net charge-offs | 49.8155% | 3,824 |
| Earnings coverage of net charge-offs (x) | 2.4317% | 4,197 |
| Efficiency ratio | 70.7111% | 3,720 |
| Assets per employee ($millions) | 5.3072% | 1,841 |
| Cash dividends to net income (ytd only)* | 66.2214% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 3,828 |
| Loan loss allowance to noncurrent loans | 237.1429% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 4,858 |
| Noncurrent loans to loans | 0.5752% | 4,544 |
| Net loans and leases to total assets | 79.1679% | 687 |
| Net loans and leases to deposits | 96.1355% | 721 |
| Net loans and leases to core deposits | 96.1355% | 1,448 |
| Total domestic deposits to total assets | 82.3504% | 4,751 |
| Equity capital to assets | 12.8297% | 1,352 |
| Core capital (leverage) ratio | 12.0418% | 1,575 |
| Tier 1 risk-based capital ratio | 17.5397% | 2,394 |
| Total risk-based capital ratio | 18.7946% | 2,374 |
| Memoranda: | ||
| Average total assets | $57,442,600 | 5,824 |
| Average earning assets | $54,773,600 | 5,739 |
| Average equity | $6,727,200 | 5,636 |
| Average total loans | $43,388,200 | 5,221 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 1,824 |
| Cost of funding earning assets | 0.6138% | 2,700 |
| Net interest margin | 4.0075% | 1,917 |
| Noninterest income to average assets | 0.0547% | 6,620 |
| Noninterest expense to average assets | 2.7926% | 3,685 |
| Loan and lease loss provision to assets | 0.2278% | 1,591 |
| Net operating income to assets | 0.8564% | 3,065 |
| Return on assets (ROA) | 0.8564% | 3,181 |
| Pretax return on assets | 0.8564% | 4,068 |
| Return on Equity (ROE) | 7.4749% | 3,393 |
| Retained earnings to average equity (ytd only) | 2.3060% | 4,947 |
| Net charge-offs to loans | 0.7495% | 798 |
| Credit loss provision to net charge-offs | 40.8163% | 3,695 |
| Earnings coverage of net charge-offs (x) | 1.9428% | 4,175 |
| Efficiency ratio | 72.0329% | 3,398 |
| Assets per employee ($millions) | 5.7412% | 1,412 |
| Cash dividends to net income (ytd only)* | 69.1494% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 4,287 |
| Loan loss allowance to noncurrent loans | 193.8983% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 4,907 |
| Noncurrent loans to loans | 0.6810% | 4,498 |
| Net loans and leases to total assets | 74.4583% | 1,219 |
| Net loans and leases to deposits | 90.9745% | 1,068 |
| Net loans and leases to core deposits | 90.9745% | 1,873 |
| Total domestic deposits to total assets | 81.8453% | 4,980 |
| Equity capital to assets | 11.7432% | 2,093 |
| Core capital (leverage) ratio | 11.5486% | 2,000 |
| Tier 1 risk-based capital ratio | 16.8051% | 2,804 |
| Total risk-based capital ratio | 18.0564% | 2,755 |
| Memoranda: | ||
| Average total assets | $58,535,250 | 5,855 |
| Average earning assets | $55,828,000 | 5,763 |
| Average equity | $6,706,750 | 5,712 |
| Average total loans | $43,586,000 | 5,257 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 1,904 |
| Cost of funding earning assets | 0.6245% | 2,737 |
| Net interest margin | 3.9566% | 2,021 |
| Noninterest income to average assets | 0.0611% | 6,634 |
| Noninterest expense to average assets | 2.7805% | 3,743 |
| Loan and lease loss provision to assets | 0.2037% | 1,864 |
| Net operating income to assets | 0.8623% | 2,979 |
| Return on assets (ROA) | 0.8623% | 3,134 |
| Pretax return on assets | 0.8623% | 4,054 |
| Return on Equity (ROE) | 7.5878% | 3,299 |
| Retained earnings to average equity (ytd only) | 2.3898% | 4,779 |
| Net charge-offs to loans | 0.9204% | 676 |
| Credit loss provision to net charge-offs | 29.8507% | 3,589 |
| Earnings coverage of net charge-offs (x) | 1.5622% | 4,009 |
| Efficiency ratio | 72.2860% | 3,423 |
| Assets per employee ($millions) | 5.2547% | 1,842 |
| Cash dividends to net income (ytd only)* | 68.5039% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 4,172 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 4,761 |
| Noncurrent loans to loans | 0.8218% | 4,271 |
| Net loans and leases to total assets | 71.6307% | 1,633 |
| Net loans and leases to deposits | 87.3650% | 1,417 |
| Net loans and leases to core deposits | 87.3650% | 2,186 |
| Total domestic deposits to total assets | 81.9902% | 5,063 |
| Equity capital to assets | 11.6051% | 2,214 |
| Core capital (leverage) ratio | 11.3652% | 2,043 |
| Tier 1 risk-based capital ratio | 17.7768% | 2,401 |
| Total risk-based capital ratio | 19.0298% | 2,369 |
| Memoranda: | ||
| Average total assets | $58,909,670 | 5,879 |
| Average earning assets | $56,361,670 | 5,789 |
| Average equity | $6,695,000 | 5,762 |
| Average total loans | $43,674,670 | 5,278 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 1,955 |
| Cost of funding earning assets | 0.6462% | 2,695 |
| Net interest margin | 3.9124% | 2,075 |
| Noninterest income to average assets | 0.0942% | 6,592 |
| Noninterest expense to average assets | 2.7580% | 3,841 |
| Loan and lease loss provision to assets | 0.2018% | 1,842 |
| Net operating income to assets | 0.8812% | 2,743 |
| Return on assets (ROA) | 0.8812% | 2,892 |
| Pretax return on assets | 0.8812% | 3,829 |
| Return on Equity (ROE) | 7.8343% | 3,061 |
| Retained earnings to average equity (ytd only) | 2.6314% | 4,706 |
| Net charge-offs to loans | -0.0359% | 5,980 |
| Credit loss provision to net charge-offs | -750.0000% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8039% | 3,651 |
| Assets per employee ($millions) | 5.3804% | 1,764 |
| Cash dividends to net income (ytd only)* | 66.4122% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 2,946 |
| Loan loss allowance to noncurrent loans | 151.5152% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 4,290 |
| Noncurrent loans to loans | 1.1322% | 3,891 |
| Net loans and leases to total assets | 72.6058% | 1,264 |
| Net loans and leases to deposits | 88.0824% | 1,140 |
| Net loans and leases to core deposits | 88.0824% | 1,898 |
| Total domestic deposits to total assets | 82.4294% | 5,051 |
| Equity capital to assets | 11.3510% | 2,581 |
| Core capital (leverage) ratio | 11.0783% | 2,197 |
| Tier 1 risk-based capital ratio | 17.0602% | 2,716 |
| Total risk-based capital ratio | 18.3183% | 2,692 |
| Memoranda: | ||
| Average total assets | $59,463,500 | 5,915 |
| Average earning assets | $56,947,500 | 5,824 |
| Average equity | $6,688,500 | 5,818 |
| Average total loans | $44,522,500 | 5,280 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 2,314 |
| Cost of funding earning assets | 0.7857% | 2,777 |
| Net interest margin | 3.9861% | 2,456 |
| Noninterest income to average assets | 0.0327% | 6,742 |
| Noninterest expense to average assets | 2.6676% | 4,517 |
| Loan and lease loss provision to assets | 0.0982% | 4,417 |
| Net operating income to assets | 1.1030% | 1,926 |
| Return on assets (ROA) | 1.1030% | 2,110 |
| Pretax return on assets | 1.1030% | 3,148 |
| Return on Equity (ROE) | 10.4584% | 1,987 |
| Retained earnings to average equity (ytd only) | 6.3309% | 1,908 |
| Net charge-offs to loans | 0.0267% | 5,527 |
| Credit loss provision to net charge-offs | 500.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 61.1667% | 587 |
| Efficiency ratio | 68.9509% | 3,982 |
| Assets per employee ($millions) | 5.4312% | 1,750 |
| Cash dividends to net income (ytd only)* | 39.4659% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 3,396 |
| Loan loss allowance to noncurrent loans | 14,340.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,667 |
| Noncurrent loans to loans | 0.0110% | 6,531 |
| Net loans and leases to total assets | 74.6648% | 1,102 |
| Net loans and leases to deposits | 90.3781% | 1,047 |
| Net loans and leases to core deposits | 90.3781% | 1,792 |
| Total domestic deposits to total assets | 82.6139% | 4,879 |
| Equity capital to assets | 11.1461% | 2,794 |
| Core capital (leverage) ratio | 10.7707% | 2,470 |
| Tier 1 risk-based capital ratio | 16.1156% | 3,094 |
| Total risk-based capital ratio | 17.3708% | 3,047 |
| Memoranda: | ||
| Average total assets | $61,104,600 | 5,895 |
| Average earning assets | $58,804,400 | 5,783 |
| Average equity | $6,444,600 | 5,905 |
| Average total loans | $44,980,800 | 5,283 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 2,578 |
| Cost of funding earning assets | 0.8089% | 2,871 |
| Net interest margin | 3.9407% | 2,751 |
| Noninterest income to average assets | 0.0325% | 6,857 |
| Noninterest expense to average assets | 2.6690% | 4,503 |
| Loan and lease loss provision to assets | 0.0825% | 4,592 |
| Net operating income to assets | 1.0763% | 2,185 |
| Return on assets (ROA) | 1.0763% | 2,385 |
| Pretax return on assets | 1.0763% | 3,441 |
| Return on Equity (ROE) | 10.3477% | 2,198 |
| Retained earnings to average equity (ytd only) | 6.5924% | 2,334 |
| Net charge-offs to loans | 0.0386% | 5,113 |
| Credit loss provision to net charge-offs | 292.3077% | 928 |
| Earnings coverage of net charge-offs (x) | 41.0837% | 866 |
| Efficiency ratio | 69.7279% | 3,743 |
| Assets per employee ($millions) | 5.5147% | 1,622 |
| Cash dividends to net income (ytd only)* | 36.2895% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 3,876 |
| Loan loss allowance to noncurrent loans | 11,566.6667% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 6,762 |
| Noncurrent loans to loans | 0.0131% | 6,621 |
| Net loans and leases to total assets | 74.2178% | 1,218 |
| Net loans and leases to deposits | 91.9924% | 973 |
| Net loans and leases to core deposits | 91.9924% | 1,780 |
| Total domestic deposits to total assets | 80.6782% | 5,459 |
| Equity capital to assets | 10.8536% | 3,439 |
| Core capital (leverage) ratio | 10.6028% | 2,793 |
| Tier 1 risk-based capital ratio | 15.9198% | 3,306 |
| Total risk-based capital ratio | 18.1592% | 2,740 |
| Memoranda: | ||
| Average total assets | $61,445,000 | 5,953 |
| Average earning assets | $59,176,000 | 5,839 |
| Average equity | $6,391,000 | 5,990 |
| Average total loans | $44,895,000 | 5,350 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7203% | 2,838 |
| Cost of funding earning assets | 0.8344% | 2,915 |
| Net interest margin | 3.8859% | 2,972 |
| Noninterest income to average assets | 0.0324% | 6,914 |
| Noninterest expense to average assets | 2.6578% | 4,577 |
| Loan and lease loss provision to assets | 0.0810% | 4,582 |
| Net operating income to assets | 1.0372% | 2,313 |
| Return on assets (ROA) | 1.0372% | 2,534 |
| Pretax return on assets | 1.0372% | 3,571 |
| Return on Equity (ROE) | 10.1159% | 2,311 |
| Retained earnings to average equity (ytd only) | 6.8282% | 2,202 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3863% | 3,700 |
| Assets per employee ($millions) | 5.5305% | 1,590 |
| Cash dividends to net income (ytd only)* | 32.5000% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 3,862 |
| Loan loss allowance to noncurrent loans | 96.6527% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.1786% | 4,048 |
| Noncurrent loans to loans | 1.5855% | 3,531 |
| Net loans and leases to total assets | 73.1935% | 1,367 |
| Net loans and leases to deposits | 91.3526% | 1,017 |
| Net loans and leases to core deposits | 91.3526% | 1,833 |
| Total domestic deposits to total assets | 80.1220% | 5,707 |
| Equity capital to assets | 10.5891% | 3,580 |
| Core capital (leverage) ratio | 10.3721% | 2,959 |
| Tier 1 risk-based capital ratio | 15.9042% | 3,206 |
| Total risk-based capital ratio | 18.1541% | 2,675 |
| Memoranda: | ||
| Average total assets | $61,706,000 | 5,987 |
| Average earning assets | $59,446,000 | 5,861 |
| Average equity | $6,326,670 | 6,034 |
| Average total loans | $44,621,330 | 5,401 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 3,000 |
| Cost of funding earning assets | 0.8693% | 2,921 |
| Net interest margin | 3.8451% | 3,156 |
| Noninterest income to average assets | 0.0322% | 7,003 |
| Noninterest expense to average assets | 2.6327% | 4,692 |
| Loan and lease loss provision to assets | 0.1030% | 4,049 |
| Net operating income to assets | 0.9977% | 2,489 |
| Return on assets (ROA) | 0.9977% | 2,678 |
| Pretax return on assets | 0.9977% | 3,685 |
| Return on Equity (ROE) | 9.8899% | 2,436 |
| Retained earnings to average equity (ytd only) | 6.5720% | 2,643 |
| Net charge-offs to loans | 0.0180% | 4,436 |
| Credit loss provision to net charge-offs | 800.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 398 |
| Efficiency ratio | 70.5172% | 3,716 |
| Assets per employee ($millions) | 5.5955% | 1,613 |
| Cash dividends to net income (ytd only)* | 33.5484% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 3,998 |
| Loan loss allowance to noncurrent loans | 95.9270% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1568% | 4,193 |
| Noncurrent loans to loans | 1.6023% | 3,717 |
| Net loans and leases to total assets | 71.0841% | 1,557 |
| Net loans and leases to deposits | 88.2882% | 1,134 |
| Net loans and leases to core deposits | 88.2882% | 2,021 |
| Total domestic deposits to total assets | 80.5137% | 5,717 |
| Equity capital to assets | 10.3020% | 3,725 |
| Core capital (leverage) ratio | 10.0122% | 3,354 |
| Tier 1 risk-based capital ratio | 16.0142% | 3,171 |
| Total risk-based capital ratio | 18.2954% | 2,628 |
| Memoranda: | ||
| Average total assets | $62,141,000 | 6,006 |
| Average earning assets | $59,816,000 | 5,884 |
| Average equity | $6,269,000 | 6,082 |
| Average total loans | $44,321,500 | 5,458 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 1,731 |
| Cost of funding earning assets | 1.1533% | 2,332 |
| Net interest margin | 4.1375% | 2,278 |
| Noninterest income to average assets | 0.0397% | 6,875 |
| Noninterest expense to average assets | 3.1335% | 3,088 |
| Loan and lease loss provision to assets | 0.1871% | 4,316 |
| Net operating income to assets | 0.6919% | 3,531 |
| Return on assets (ROA) | 0.6936% | 3,705 |
| Pretax return on assets | 0.6936% | 4,343 |
| Return on Equity (ROE) | 7.1205% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.1205% | 1,439 |
| Net charge-offs to loans | -0.0108% | 6,892 |
| Credit loss provision to net charge-offs | -2,260.0000% | 6,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0941% | 2,576 |
| Assets per employee ($millions) | 5.7028% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,966 |
| Loan loss allowance to noncurrent loans | 49.2636% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 2.1648% | 2,773 |
| Noncurrent loans to loans | 3.0719% | 2,108 |
| Net loans and leases to total assets | 69.4043% | 2,141 |
| Net loans and leases to deposits | 85.6457% | 1,712 |
| Net loans and leases to core deposits | 85.6457% | 2,677 |
| Total domestic deposits to total assets | 81.0365% | 5,433 |
| Equity capital to assets | 9.8787% | 4,330 |
| Core capital (leverage) ratio | 10.4140% | 2,832 |
| Tier 1 risk-based capital ratio | 15.7398% | 3,196 |
| Total risk-based capital ratio | 18.0190% | 2,672 |
| Memoranda: | ||
| Average total assets | $60,411,600 | 6,024 |
| Average earning assets | $58,006,200 | 5,932 |
| Average equity | $5,884,400 | 6,186 |
| Average total loans | $46,347,800 | 5,410 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4804% | 1,301 |
| Cost of funding earning assets | 1.2308% | 2,117 |
| Net interest margin | 4.2497% | 1,909 |
| Noninterest income to average assets | 0.0401% | 6,985 |
| Noninterest expense to average assets | 3.3270% | 2,415 |
| Loan and lease loss provision to assets | 0.1850% | 4,184 |
| Net operating income to assets | 0.6061% | 4,060 |
| Return on assets (ROA) | 0.6084% | 4,236 |
| Pretax return on assets | 0.6084% | 4,779 |
| Return on Equity (ROE) | 6.2689% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.2689% | 2,390 |
| Net charge-offs to loans | -0.0114% | 6,798 |
| Credit loss provision to net charge-offs | -2,075.0000% | 6,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7900% | 2,146 |
| Assets per employee ($millions) | 5.2913% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 4,366 |
| Loan loss allowance to noncurrent loans | 46.7742% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 2.3435% | 2,738 |
| Noncurrent loans to loans | 3.0812% | 2,251 |
| Net loans and leases to total assets | 74.9622% | 1,147 |
| Net loans and leases to deposits | 86.0963% | 1,678 |
| Net loans and leases to core deposits | 86.0963% | 2,759 |
| Total domestic deposits to total assets | 87.0679% | 2,607 |
| Equity capital to assets | 10.3979% | 3,833 |
| Core capital (leverage) ratio | 10.3076% | 3,073 |
| Tier 1 risk-based capital ratio | 15.5426% | 3,364 |
| Total risk-based capital ratio | 18.0908% | 2,674 |
| Memoranda: | ||
| Average total assets | $59,831,750 | 6,093 |
| Average earning assets | $57,415,000 | 5,994 |
| Average equity | $5,806,250 | 6,251 |
| Average total loans | $46,883,000 | 5,431 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6345% | 1,005 |
| Cost of funding earning assets | 1.2533% | 2,233 |
| Net interest margin | 4.3812% | 1,433 |
| Noninterest income to average assets | 0.0464% | 7,061 |
| Noninterest expense to average assets | 3.6241% | 1,691 |
| Loan and lease loss provision to assets | 0.1756% | 4,168 |
| Net operating income to assets | 0.4505% | 4,719 |
| Return on assets (ROA) | 0.4538% | 4,840 |
| Pretax return on assets | 0.4538% | 5,213 |
| Return on Equity (ROE) | 4.7866% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.7866% | 3,135 |
| Net charge-offs to loans | -0.0042% | 6,569 |
| Credit loss provision to net charge-offs | -5,300.0000% | 6,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2689% | 1,674 |
| Assets per employee ($millions) | 5.2717% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 5,019 |
| Loan loss allowance to noncurrent loans | 91.8058% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.1364% | 4,616 |
| Noncurrent loans to loans | 1.4254% | 4,280 |
| Net loans and leases to total assets | 78.6856% | 682 |
| Net loans and leases to deposits | 90.2454% | 1,245 |
| Net loans and leases to core deposits | 90.2454% | 2,344 |
| Total domestic deposits to total assets | 87.1907% | 2,628 |
| Equity capital to assets | 10.2192% | 3,859 |
| Core capital (leverage) ratio | 9.9661% | 3,303 |
| Tier 1 risk-based capital ratio | 14.6488% | 3,699 |
| Total risk-based capital ratio | 17.3975% | 2,877 |
| Memoranda: | ||
| Average total assets | $60,374,330 | 6,127 |
| Average earning assets | $57,929,000 | 6,026 |
| Average equity | $5,724,330 | 6,311 |
| Average total loans | $47,754,330 | 5,450 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8309% | 693 |
| Cost of funding earning assets | 1.3003% | 2,172 |
| Net interest margin | 4.5306% | 1,003 |
| Noninterest income to average assets | 0.0390% | 7,190 |
| Noninterest expense to average assets | 4.2620% | 752 |
| Loan and lease loss provision to assets | 0.1494% | 4,151 |
| Net operating income to assets | -0.0260% | 6,384 |
| Return on assets (ROA) | -0.0195% | 6,401 |
| Pretax return on assets | -0.0195% | 6,380 |
| Return on Equity (ROE) | -0.2134% | 6,404 |
| Retained earnings to average equity (ytd only) | -0.2134% | 5,826 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1852% | 866 |
| Assets per employee ($millions) | 5.3921% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 5,582 |
| Loan loss allowance to noncurrent loans | 196.5753% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 5,996 |
| Noncurrent loans to loans | 0.6156% | 5,801 |
| Net loans and leases to total assets | 79.0046% | 621 |
| Net loans and leases to deposits | 90.4721% | 1,182 |
| Net loans and leases to core deposits | 90.9232% | 2,249 |
| Total domestic deposits to total assets | 87.3249% | 2,752 |
| Equity capital to assets | 9.7011% | 4,178 |
| Core capital (leverage) ratio | 9.3012% | 4,122 |
| Tier 1 risk-based capital ratio | 13.9431% | 4,109 |
| Total risk-based capital ratio | 16.6549% | 3,166 |
| Memoranda: | ||
| Average total assets | $61,567,000 | 6,137 |
| Average earning assets | $59,065,000 | 6,027 |
| Average equity | $5,623,500 | 6,359 |
| Average total loans | $48,514,500 | 5,458 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5144% | 2,221 |
| Cost of funding earning assets | 1.6794% | 1,688 |
| Net interest margin | 3.8350% | 3,799 |
| Noninterest income to average assets | 0.0172% | 7,220 |
| Noninterest expense to average assets | 2.7570% | 4,755 |
| Loan and lease loss provision to assets | 0.2760% | 4,602 |
| Net operating income to assets | 0.6768% | 3,314 |
| Return on assets (ROA) | 0.6768% | 3,452 |
| Pretax return on assets | 0.6768% | 4,058 |
| Return on Equity (ROE) | 8.0892% | 2,670 |
| Retained earnings to average equity (ytd only) | 6.6913% | 1,457 |
| Net charge-offs to loans | 0.5984% | 3,236 |
| Credit loss provision to net charge-offs | 56.3694% | 6,146 |
| Earnings coverage of net charge-offs (x) | 1.9459% | 4,269 |
| Efficiency ratio | 74.3169% | 3,329 |
| Assets per employee ($millions) | 5.8019% | 1,350 |
| Cash dividends to net income (ytd only)* | 17.2811% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 5,918 |
| Loan loss allowance to noncurrent loans | 32.3357% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 2.6700% | 2,610 |
| Noncurrent loans to loans | 3.4358% | 2,209 |
| Net loans and leases to total assets | 76.8462% | 1,120 |
| Net loans and leases to deposits | 86.3223% | 2,040 |
| Net loans and leases to core deposits | 86.7130% | 3,225 |
| Total domestic deposits to total assets | 89.0224% | 1,651 |
| Equity capital to assets | 8.6069% | 5,712 |
| Core capital (leverage) ratio | 8.5670% | 5,246 |
| Tier 1 risk-based capital ratio | 12.6371% | 4,910 |
| Total risk-based capital ratio | 15.2710% | 3,825 |
| Memoranda: | ||
| Average total assets | $64,128,800 | 6,057 |
| Average earning assets | $61,747,400 | 5,934 |
| Average equity | $5,365,200 | 6,547 |
| Average total loans | $52,470,800 | 5,385 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 2,174 |
| Cost of funding earning assets | 1.7226% | 1,756 |
| Net interest margin | 3.8478% | 3,761 |
| Noninterest income to average assets | 0.0125% | 7,407 |
| Noninterest expense to average assets | 2.7681% | 4,606 |
| Loan and lease loss provision to assets | 0.3177% | 4,044 |
| Net operating income to assets | 0.6375% | 3,714 |
| Return on assets (ROA) | 0.6375% | 3,885 |
| Pretax return on assets | 0.6375% | 4,462 |
| Return on Equity (ROE) | 7.6749% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.6749% | 1,530 |
| Net charge-offs to loans | -0.0251% | 7,380 |
| Credit loss provision to net charge-offs | -1,530.0000% | 7,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3447% | 3,259 |
| Assets per employee ($millions) | 6.5382% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 3,394 |
| Loan loss allowance to noncurrent loans | 30.6556% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 4.2458% | 1,614 |
| Noncurrent loans to loans | 5.3318% | 1,265 |
| Net loans and leases to total assets | 78.3304% | 978 |
| Net loans and leases to deposits | 90.0260% | 1,715 |
| Net loans and leases to core deposits | 91.5533% | 2,866 |
| Total domestic deposits to total assets | 87.0087% | 2,525 |
| Equity capital to assets | 8.3677% | 6,433 |
| Core capital (leverage) ratio | 8.3110% | 5,851 |
| Tier 1 risk-based capital ratio | 12.1052% | 5,362 |
| Total risk-based capital ratio | 14.6997% | 4,187 |
| Memoranda: | ||
| Average total assets | $64,205,750 | 6,128 |
| Average earning assets | $61,921,500 | 5,993 |
| Average equity | $5,333,250 | 6,636 |
| Average total loans | $53,189,750 | 5,426 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6501% | 1,941 |
| Cost of funding earning assets | 1.7457% | 1,890 |
| Net interest margin | 3.9043% | 3,427 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 2.8176% | 4,407 |
| Loan and lease loss provision to assets | 0.1316% | 5,569 |
| Net operating income to assets | 0.8149% | 2,901 |
| Return on assets (ROA) | 0.8149% | 3,047 |
| Pretax return on assets | 0.8149% | 3,827 |
| Return on Equity (ROE) | 9.8348% | 2,161 |
| Retained earnings to average equity (ytd only) | 9.8348% | 882 |
| Net charge-offs to loans | -0.0075% | 7,161 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8543% | 3,289 |
| Assets per employee ($millions) | 6.4527% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 4,646 |
| Loan loss allowance to noncurrent loans | 45.6644% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 2.4842% | 2,898 |
| Noncurrent loans to loans | 2.9713% | 2,699 |
| Net loans and leases to total assets | 82.4740% | 487 |
| Net loans and leases to deposits | 95.0372% | 1,144 |
| Net loans and leases to core deposits | 96.6686% | 2,365 |
| Total domestic deposits to total assets | 86.7807% | 2,660 |
| Equity capital to assets | 8.4151% | 6,277 |
| Core capital (leverage) ratio | 8.3588% | 5,650 |
| Tier 1 risk-based capital ratio | 11.5198% | 5,756 |
| Total risk-based capital ratio | 14.2713% | 4,372 |
| Memoranda: | ||
| Average total assets | $63,813,670 | 6,184 |
| Average earning assets | $61,521,330 | 6,043 |
| Average equity | $5,287,330 | 6,687 |
| Average total loans | $53,564,670 | 5,444 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6710% | 1,885 |
| Cost of funding earning assets | 1.7595% | 2,076 |
| Net interest margin | 3.9115% | 3,278 |
| Noninterest income to average assets | -0.0252% | 7,707 |
| Noninterest expense to average assets | 2.8240% | 4,392 |
| Loan and lease loss provision to assets | 0.1324% | 5,247 |
| Net operating income to assets | 0.7879% | 3,021 |
| Return on assets (ROA) | 0.7879% | 3,136 |
| Pretax return on assets | 0.7879% | 3,919 |
| Return on Equity (ROE) | 9.5859% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.5859% | 1,243 |
| Net charge-offs to loans | -0.0150% | 6,997 |
| Credit loss provision to net charge-offs | -1,050.0000% | 6,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4209% | 3,322 |
| Assets per employee ($millions) | 7.1350% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,889 |
| Loan loss allowance to noncurrent loans | 77.4510% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4296% | 4,365 |
| Noncurrent loans to loans | 1.6893% | 4,212 |
| Net loans and leases to total assets | 83.5163% | 422 |
| Net loans and leases to deposits | 98.3045% | 881 |
| Net loans and leases to core deposits | 100.0298% | 2,125 |
| Total domestic deposits to total assets | 84.9568% | 3,696 |
| Equity capital to assets | 8.2193% | 6,409 |
| Core capital (leverage) ratio | 8.3990% | 5,561 |
| Tier 1 risk-based capital ratio | 11.2192% | 5,933 |
| Total risk-based capital ratio | 13.9684% | 4,508 |
| Memoranda: | ||
| Average total assets | $63,457,000 | 6,261 |
| Average earning assets | $61,153,000 | 6,125 |
| Average equity | $5,216,000 | 6,778 |
| Average total loans | $53,372,000 | 5,522 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9310% | 2,127 |
| Cost of funding earning assets | 2.2921% | 1,692 |
| Net interest margin | 3.6389% | 4,392 |
| Noninterest income to average assets | 0.0314% | 7,582 |
| Noninterest expense to average assets | 2.6810% | 5,478 |
| Loan and lease loss provision to assets | 0.4113% | 4,345 |
| Net operating income to assets | 0.3981% | 4,138 |
| Return on assets (ROA) | 0.3981% | 4,238 |
| Pretax return on assets | 0.3981% | 4,506 |
| Return on Equity (ROE) | 4.8709% | 3,724 |
| Retained earnings to average equity (ytd only) | 2.8295% | 3,185 |
| Net charge-offs to loans | 0.0795% | 6,317 |
| Credit loss provision to net charge-offs | 622.5000% | 473 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 1,525 |
| Efficiency ratio | 76.8102% | 3,385 |
| Assets per employee ($millions) | 6.2699% | 1,098 |
| Cash dividends to net income (ytd only)* | 41.9087% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 4,684 |
| Loan loss allowance to noncurrent loans | 72.9586% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.7353% | 3,769 |
| Noncurrent loans to loans | 1.7995% | 3,932 |
| Net loans and leases to total assets | 82.4814% | 615 |
| Net loans and leases to deposits | 101.0651% | 819 |
| Net loans and leases to core deposits | 113.9976% | 2,495 |
| Total domestic deposits to total assets | 81.6121% | 5,104 |
| Equity capital to assets | 8.2202% | 6,321 |
| Core capital (leverage) ratio | 8.3998% | 5,438 |
| Tier 1 risk-based capital ratio | 11.3754% | 5,538 |
| Total risk-based capital ratio | 14.1832% | 4,136 |
| Memoranda: | ||
| Average total assets | $60,536,400 | 6,326 |
| Average earning assets | $57,545,400 | 6,232 |
| Average equity | $4,947,800 | 6,959 |
| Average total loans | $50,329,400 | 5,655 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0127% | 1,981 |
| Cost of funding earning assets | 2.4412% | 1,487 |
| Net interest margin | 3.5715% | 4,587 |
| Noninterest income to average assets | 0.0311% | 7,726 |
| Noninterest expense to average assets | 2.7379% | 5,157 |
| Loan and lease loss provision to assets | 0.4689% | 3,561 |
| Net operating income to assets | 0.2089% | 5,116 |
| Return on assets (ROA) | 0.2089% | 5,205 |
| Pretax return on assets | 0.2089% | 5,279 |
| Return on Equity (ROE) | 2.5597% | 4,961 |
| Retained earnings to average equity (ytd only) | 1.1983% | 4,653 |
| Net charge-offs to loans | -0.0027% | 7,599 |
| Credit loss provision to net charge-offs | -21,100.0000% | 7,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1561% | 2,817 |
| Assets per employee ($millions) | 6.1800% | 1,132 |
| Cash dividends to net income (ytd only)* | 53.1956% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 4,138 |
| Loan loss allowance to noncurrent loans | 63.2205% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.7686% | 3,708 |
| Noncurrent loans to loans | 2.1583% | 3,434 |
| Net loans and leases to total assets | 80.8269% | 1,016 |
| Net loans and leases to deposits | 95.4174% | 1,656 |
| Net loans and leases to core deposits | 109.8162% | 3,258 |
| Total domestic deposits to total assets | 84.7087% | 3,370 |
| Equity capital to assets | 8.1974% | 6,644 |
| Core capital (leverage) ratio | 8.3032% | 5,828 |
| Tier 1 risk-based capital ratio | 11.7444% | 5,207 |
| Total risk-based capital ratio | 14.6571% | 3,852 |
| Memoranda: | ||
| Average total assets | $59,995,750 | 6,390 |
| Average earning assets | $56,856,000 | 6,299 |
| Average equity | $4,896,250 | 7,041 |
| Average total loans | $49,811,000 | 5,732 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1124% | 1,753 |
| Cost of funding earning assets | 2.6068% | 1,264 |
| Net interest margin | 3.5056% | 4,771 |
| Noninterest income to average assets | 0.0303% | 7,837 |
| Noninterest expense to average assets | 2.7814% | 5,041 |
| Loan and lease loss provision to assets | 0.6398% | 2,512 |
| Net operating income to assets | -0.0943% | 5,994 |
| Return on assets (ROA) | -0.0943% | 6,047 |
| Pretax return on assets | -0.0943% | 5,985 |
| Return on Equity (ROE) | -1.1571% | 6,091 |
| Retained earnings to average equity (ytd only) | -3.2234% | 6,004 |
| Net charge-offs to loans | -0.0040% | 7,511 |
| Credit loss provision to net charge-offs | -19,000.0000% | 7,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6032% | 2,524 |
| Assets per employee ($millions) | 5.9533% | 1,229 |
| Cash dividends to net income (ytd only)* | -178.5714% | 8,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 4,096 |
| Loan loss allowance to noncurrent loans | 36.3144% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 3.0991% | 2,026 |
| Noncurrent loans to loans | 3.6626% | 1,897 |
| Net loans and leases to total assets | 83.4898% | 712 |
| Net loans and leases to deposits | 99.1364% | 1,375 |
| Net loans and leases to core deposits | 116.0468% | 2,706 |
| Total domestic deposits to total assets | 84.2172% | 3,637 |
| Equity capital to assets | 8.2828% | 6,366 |
| Core capital (leverage) ratio | 8.0291% | 6,272 |
| Tier 1 risk-based capital ratio | 11.6018% | 5,285 |
| Total risk-based capital ratio | 14.7508% | 3,748 |
| Memoranda: | ||
| Average total assets | $59,394,330 | 6,469 |
| Average earning assets | $55,854,000 | 6,400 |
| Average equity | $4,839,670 | 7,127 |
| Average total loans | $49,534,000 | 5,789 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2683% | 1,390 |
| Cost of funding earning assets | 2.7859% | 1,012 |
| Net interest margin | 3.4824% | 4,798 |
| Noninterest income to average assets | 0.0270% | 7,946 |
| Noninterest expense to average assets | 2.8588% | 4,309 |
| Loan and lease loss provision to assets | 0.1281% | 5,316 |
| Net operating income to assets | 0.2764% | 5,378 |
| Return on assets (ROA) | 0.2764% | 5,550 |
| Pretax return on assets | 0.2764% | 5,744 |
| Return on Equity (ROE) | 3.4209% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.4209% | 3,987 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6033% | 1,924 |
| Assets per employee ($millions) | 5.9946% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 6,245 |
| Loan loss allowance to noncurrent loans | 80.9756% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 4,646 |
| Noncurrent loans to loans | 1.2258% | 4,520 |
| Net loans and leases to total assets | 82.8612% | 876 |
| Net loans and leases to deposits | 98.0865% | 1,649 |
| Net loans and leases to core deposits | 115.8206% | 2,819 |
| Total domestic deposits to total assets | 84.4777% | 3,469 |
| Equity capital to assets | 8.0289% | 6,765 |
| Core capital (leverage) ratio | 7.9855% | 6,475 |
| Tier 1 risk-based capital ratio | 11.3213% | 5,575 |
| Total risk-based capital ratio | 14.4027% | 4,002 |
| Memoranda: | ||
| Average total assets | $59,325,000 | 6,493 |
| Average earning assets | $55,134,500 | 6,452 |
| Average equity | $4,794,000 | 7,188 |
| Average total loans | $49,114,000 | 5,838 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5464% | 2,738 |
| Cost of funding earning assets | 3.2593% | 1,025 |
| Net interest margin | 3.2871% | 6,084 |
| Noninterest income to average assets | 0.0421% | 7,927 |
| Noninterest expense to average assets | 2.5605% | 5,791 |
| Loan and lease loss provision to assets | 0.0755% | 6,459 |
| Net operating income to assets | 0.5304% | 4,617 |
| Return on assets (ROA) | 0.5304% | 4,471 |
| Pretax return on assets | 0.5304% | 4,906 |
| Return on Equity (ROE) | 6.4832% | 3,759 |
| Retained earnings to average equity (ytd only) | 3.4777% | 2,978 |
| Net charge-offs to loans | 0.3629% | 3,020 |
| Credit loss provision to net charge-offs | 24.7126% | 6,562 |
| Earnings coverage of net charge-offs (x) | 1.9828% | 5,077 |
| Efficiency ratio | 80.8652% | 2,473 |
| Assets per employee ($millions) | 5.8704% | 1,213 |
| Cash dividends to net income (ytd only)* | 46.3576% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 6,088 |
| Loan loss allowance to noncurrent loans | 246.9072% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 6,282 |
| Noncurrent loans to loans | 0.4037% | 6,137 |
| Net loans and leases to total assets | 81.0490% | 1,426 |
| Net loans and leases to deposits | 98.1861% | 2,094 |
| Net loans and leases to core deposits | 115.1811% | 3,219 |
| Total domestic deposits to total assets | 82.5463% | 3,976 |
| Equity capital to assets | 8.1340% | 6,650 |
| Core capital (leverage) ratio | 8.3899% | 5,787 |
| Tier 1 risk-based capital ratio | 11.7989% | 4,984 |
| Total risk-based capital ratio | 14.9859% | 3,595 |
| Memoranda: | ||
| Average total assets | $56,942,200 | 6,494 |
| Average earning assets | $54,121,400 | 6,408 |
| Average equity | $4,658,200 | 7,271 |
| Average total loans | $47,952,400 | 5,792 |