Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 2,311 |
| Cost of funding earning assets | 0.5436% | 4,150 |
| Net interest margin | 4.3411% | 759 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 3.4718% | 597 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.7090% | 3,171 |
| Return on assets (ROA) | 0.5243% | 3,603 |
| Pretax return on assets | 0.5243% | 3,768 |
| Return on Equity (ROE) | 7.0400% | 3,269 |
| Retained earnings to average equity (ytd only) | -3.4336% | 4,348 |
| Net charge-offs to loans | 0.2312% | 470 |
| Credit loss provision to net charge-offs | 95.2381% | 1,898 |
| Earnings coverage of net charge-offs (x) | 6.5810% | 2,462 |
| Efficiency ratio | 80.7252% | 871 |
| Assets per employee ($millions) | 4.2555% | 4,058 |
| Cash dividends to net income (ytd only)* | 148.7414% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 1,898 |
| Loan loss allowance to noncurrent loans | 106.1508% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 876 |
| Noncurrent loans to loans | 1.2021% | 591 |
| Net loans and leases to total assets | 51.1900% | 3,532 |
| Net loans and leases to deposits | 55.7557% | 3,724 |
| Net loans and leases to core deposits | 56.3976% | 3,898 |
| Total domestic deposits to total assets | 91.8200% | 334 |
| Equity capital to assets | 8.1455% | 3,319 |
| Core capital (leverage) ratio | 9.8722% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $83,357,000 | 3,988 |
| Average earning assets | $79,104,600 | 3,938 |
| Average equity | $6,203,400 | 4,141 |
| Average total loans | $45,422,200 | 3,907 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8285% | 2,208 |
| Cost of funding earning assets | 0.5118% | 4,119 |
| Net interest margin | 4.3167% | 788 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 3.5308% | 537 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.6033% | 3,538 |
| Return on assets (ROA) | 0.3556% | 4,043 |
| Pretax return on assets | 0.3556% | 4,110 |
| Return on Equity (ROE) | 4.8900% | 3,827 |
| Retained earnings to average equity (ytd only) | -6.5707% | 4,455 |
| Net charge-offs to loans | 0.2333% | 380 |
| Credit loss provision to net charge-offs | 123.4568% | 1,458 |
| Earnings coverage of net charge-offs (x) | 5.9259% | 2,322 |
| Efficiency ratio | 82.2485% | 716 |
| Assets per employee ($millions) | 4.1920% | 4,085 |
| Cash dividends to net income (ytd only)* | 234.3750% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 1,945 |
| Loan loss allowance to noncurrent loans | 90.1613% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 711 |
| Noncurrent loans to loans | 1.4231% | 521 |
| Net loans and leases to total assets | 54.0000% | 3,361 |
| Net loans and leases to deposits | 59.0434% | 3,556 |
| Net loans and leases to core deposits | 59.9880% | 3,706 |
| Total domestic deposits to total assets | 91.4600% | 565 |
| Equity capital to assets | 6.7522% | 3,726 |
| Core capital (leverage) ratio | 9.5211% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $83,982,750 | 3,995 |
| Average earning assets | $79,719,750 | 3,950 |
| Average equity | $6,107,750 | 4,157 |
| Average total loans | $46,295,750 | 3,906 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 2,086 |
| Cost of funding earning assets | 0.4574% | 4,067 |
| Net interest margin | 4.3010% | 804 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 3.5632% | 494 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.4916% | 3,825 |
| Return on assets (ROA) | 0.1264% | 4,375 |
| Pretax return on assets | 0.1264% | 4,377 |
| Return on Equity (ROE) | 1.7000% | 4,302 |
| Retained earnings to average equity (ytd only) | -5.3850% | 4,434 |
| Net charge-offs to loans | 0.1907% | 418 |
| Credit loss provision to net charge-offs | 222.2222% | 1,002 |
| Earnings coverage of net charge-offs (x) | 6.8889% | 2,105 |
| Efficiency ratio | 83.0786% | 652 |
| Assets per employee ($millions) | 4.3387% | 4,039 |
| Cash dividends to net income (ytd only)* | 416.6667% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 1,926 |
| Loan loss allowance to noncurrent loans | 86.1071% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 602 |
| Noncurrent loans to loans | 1.5119% | 435 |
| Net loans and leases to total assets | 54.7200% | 3,214 |
| Net loans and leases to deposits | 62.4472% | 3,279 |
| Net loans and leases to core deposits | 63.4503% | 3,478 |
| Total domestic deposits to total assets | 87.6300% | 1,733 |
| Equity capital to assets | 7.4968% | 3,518 |
| Core capital (leverage) ratio | 9.4526% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $85,427,667 | 4,000 |
| Average earning assets | $81,329,333 | 3,947 |
| Average equity | $6,351,000 | 4,156 |
| Average total loans | $47,205,000 | 3,899 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 1,608 |
| Cost of funding earning assets | 0.4283% | 3,890 |
| Net interest margin | 4.3747% | 719 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 3.3777% | 619 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 0.7639% | 3,312 |
| Return on assets (ROA) | 0.7639% | 3,264 |
| Pretax return on assets | 0.7639% | 3,541 |
| Return on Equity (ROE) | 10.3200% | 2,690 |
| Retained earnings to average equity (ytd only) | 2.5480% | 3,593 |
| Net charge-offs to loans | 0.2502% | 307 |
| Credit loss provision to net charge-offs | 200.0000% | 827 |
| Earnings coverage of net charge-offs (x) | 7.5333% | 1,751 |
| Efficiency ratio | 76.4583% | 1,132 |
| Assets per employee ($millions) | 4.4302% | 4,062 |
| Cash dividends to net income (ytd only)* | 75.3012% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,456 |
| Loan loss allowance to noncurrent loans | 70.0246% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 433 |
| Noncurrent loans to loans | 1.7415% | 357 |
| Net loans and leases to total assets | 54.8500% | 3,130 |
| Net loans and leases to deposits | 59.5005% | 3,367 |
| Net loans and leases to core deposits | 60.3869% | 3,524 |
| Total domestic deposits to total assets | 92.1900% | 475 |
| Equity capital to assets | 7.7828% | 3,394 |
| Core capital (leverage) ratio | 9.2849% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $86,924,000 | 4,029 |
| Average earning assets | $83,114,000 | 3,978 |
| Average equity | $6,436,500 | 4,196 |
| Average total loans | $47,955,000 | 3,936 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 1,168 |
| Cost of funding earning assets | 0.2770% | 3,070 |
| Net interest margin | 3.9672% | 831 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.6679% | 1,633 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 0.9509% | 2,767 |
| Return on assets (ROA) | 0.7992% | 3,256 |
| Pretax return on assets | 0.7992% | 3,626 |
| Return on Equity (ROE) | 10.3700% | 2,690 |
| Retained earnings to average equity (ytd only) | 7.0431% | 2,226 |
| Net charge-offs to loans | 0.4230% | 179 |
| Credit loss provision to net charge-offs | 94.2029% | 1,606 |
| Earnings coverage of net charge-offs (x) | 4.9710% | 2,394 |
| Efficiency ratio | 69.4568% | 1,760 |
| Assets per employee ($millions) | 4.7197% | 3,877 |
| Cash dividends to net income (ytd only)* | 32.0970% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 2,904 |
| Loan loss allowance to noncurrent loans | 186.8512% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 1,572 |
| Noncurrent loans to loans | 0.5878% | 1,269 |
| Net loans and leases to total assets | 54.2300% | 3,182 |
| Net loans and leases to deposits | 60.2699% | 3,316 |
| Net loans and leases to core deposits | 61.1421% | 3,441 |
| Total domestic deposits to total assets | 89.9800% | 1,374 |
| Equity capital to assets | 7.0499% | 3,642 |
| Core capital (leverage) ratio | 9.1247% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $87,708,800 | 4,041 |
| Average earning assets | $82,299,800 | 4,015 |
| Average equity | $6,758,400 | 4,245 |
| Average total loans | $48,941,000 | 3,913 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 1,129 |
| Cost of funding earning assets | 0.2095% | 3,158 |
| Net interest margin | 3.8564% | 875 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.5621% | 1,819 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.9310% | 2,757 |
| Return on assets (ROA) | 0.7277% | 3,435 |
| Pretax return on assets | 0.7277% | 3,746 |
| Return on Equity (ROE) | 9.2400% | 2,959 |
| Retained earnings to average equity (ytd only) | 6.1350% | 2,705 |
| Net charge-offs to loans | 0.4964% | 130 |
| Credit loss provision to net charge-offs | 85.1648% | 1,400 |
| Earnings coverage of net charge-offs (x) | 4.1978% | 2,184 |
| Efficiency ratio | 68.6885% | 1,930 |
| Assets per employee ($millions) | 4.5172% | 4,041 |
| Cash dividends to net income (ytd only)* | 33.6134% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,151 |
| Loan loss allowance to noncurrent loans | 80.8937% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 667 |
| Noncurrent loans to loans | 1.3214% | 556 |
| Net loans and leases to total assets | 56.6200% | 2,840 |
| Net loans and leases to deposits | 61.6535% | 3,047 |
| Net loans and leases to core deposits | 62.5657% | 3,210 |
| Total domestic deposits to total assets | 91.8300% | 931 |
| Equity capital to assets | 6.3791% | 3,801 |
| Core capital (leverage) ratio | 8.8026% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $87,217,250 | 4,074 |
| Average earning assets | $81,456,250 | 4,053 |
| Average equity | $6,867,500 | 4,275 |
| Average total loans | $48,883,750 | 3,929 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8302% | 1,247 |
| Cost of funding earning assets | 0.1777% | 3,207 |
| Net interest margin | 3.6525% | 991 |
| Noninterest income to average assets | 0.1711% | 4,152 |
| Noninterest expense to average assets | 2.4087% | 2,202 |
| Loan and lease loss provision to assets | 0.1483% | 643 |
| Net operating income to assets | 0.9900% | 2,194 |
| Return on assets (ROA) | 0.9900% | 2,164 |
| Pretax return on assets | 0.9900% | 2,770 |
| Return on Equity (ROE) | 11.8391% | 1,708 |
| Retained earnings to average equity (ytd only) | 8.8384% | 1,337 |
| Net charge-offs to loans | 0.4753% | 141 |
| Credit loss provision to net charge-offs | 56.0345% | 1,467 |
| Earnings coverage of net charge-offs (x) | 4.3017% | 1,960 |
| Efficiency ratio | 67.9100% | 2,257 |
| Assets per employee ($millions) | 4.4874% | 4,080 |
| Cash dividends to net income (ytd only)* | 25.3456% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,290 |
| Loan loss allowance to noncurrent loans | 79.3049% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 712 |
| Noncurrent loans to loans | 1.3455% | 576 |
| Net loans and leases to total assets | 54.5889% | 2,902 |
| Net loans and leases to deposits | 59.3056% | 3,106 |
| Net loans and leases to core deposits | 60.1844% | 3,258 |
| Total domestic deposits to total assets | 92.0468% | 816 |
| Equity capital to assets | 7.9169% | 3,188 |
| Core capital (leverage) ratio | 9.0882% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,680,667 | 4,105 |
| Average earning assets | $81,039,333 | 4,107 |
| Average equity | $7,331,667 | 4,272 |
| Average total loans | $48,806,333 | 3,977 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 947 |
| Cost of funding earning assets | 0.1577% | 3,403 |
| Net interest margin | 3.7268% | 714 |
| Noninterest income to average assets | 0.1845% | 4,054 |
| Noninterest expense to average assets | 2.6415% | 1,501 |
| Loan and lease loss provision to assets | 0.1350% | 601 |
| Net operating income to assets | 0.8100% | 2,634 |
| Return on assets (ROA) | 0.8100% | 2,626 |
| Pretax return on assets | 0.8100% | 3,087 |
| Return on Equity (ROE) | 9.4457% | 2,172 |
| Retained earnings to average equity (ytd only) | 6.8219% | 1,948 |
| Net charge-offs to loans | 0.1127% | 482 |
| Credit loss provision to net charge-offs | 214.2857% | 753 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,359 |
| Efficiency ratio | 73.6512% | 1,783 |
| Assets per employee ($millions) | 4.5921% | 4,086 |
| Cash dividends to net income (ytd only)* | 27.7778% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,015 |
| Loan loss allowance to noncurrent loans | 319.1011% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 2,405 |
| Noncurrent loans to loans | 0.3657% | 2,174 |
| Net loans and leases to total assets | 55.1342% | 2,619 |
| Net loans and leases to deposits | 60.1292% | 2,897 |
| Net loans and leases to core deposits | 61.0008% | 3,063 |
| Total domestic deposits to total assets | 91.6927% | 699 |
| Equity capital to assets | 8.2832% | 3,337 |
| Core capital (leverage) ratio | 8.5105% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,890,500 | 4,113 |
| Average earning assets | $81,141,500 | 4,128 |
| Average equity | $7,622,500 | 4,302 |
| Average total loans | $49,687,000 | 3,977 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 1,729 |
| Cost of funding earning assets | 0.1699% | 3,773 |
| Net interest margin | 3.6897% | 1,237 |
| Noninterest income to average assets | 0.1656% | 4,329 |
| Noninterest expense to average assets | 2.6765% | 1,695 |
| Loan and lease loss provision to assets | 0.1983% | 548 |
| Net operating income to assets | 0.6589% | 3,721 |
| Return on assets (ROA) | 0.7569% | 3,531 |
| Pretax return on assets | 0.7569% | 3,823 |
| Return on Equity (ROE) | 8.2173% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.2677% | 1,819 |
| Net charge-offs to loans | 0.0950% | 884 |
| Credit loss provision to net charge-offs | 435.8974% | 872 |
| Earnings coverage of net charge-offs (x) | 18.8462% | 1,897 |
| Efficiency ratio | 75.7426% | 1,127 |
| Assets per employee ($millions) | 5.0296% | 3,702 |
| Cash dividends to net income (ytd only)* | 11.5562% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,402 |
| Loan loss allowance to noncurrent loans | 484.2105% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 3,056 |
| Noncurrent loans to loans | 0.2248% | 2,835 |
| Net loans and leases to total assets | 55.3948% | 2,696 |
| Net loans and leases to deposits | 60.7871% | 3,007 |
| Net loans and leases to core deposits | 61.6502% | 3,197 |
| Total domestic deposits to total assets | 91.1291% | 448 |
| Equity capital to assets | 8.8565% | 3,754 |
| Core capital (leverage) ratio | 8.5301% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,747,200 | 4,145 |
| Average earning assets | $78,272,000 | 4,150 |
| Average equity | $7,898,000 | 4,338 |
| Average total loans | $41,073,600 | 4,162 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 2,277 |
| Cost of funding earning assets | 0.1693% | 3,929 |
| Net interest margin | 3.5302% | 1,785 |
| Noninterest income to average assets | 0.1750% | 4,330 |
| Noninterest expense to average assets | 2.6224% | 1,779 |
| Loan and lease loss provision to assets | 0.1928% | 544 |
| Net operating income to assets | 0.5835% | 4,034 |
| Return on assets (ROA) | 0.7254% | 3,771 |
| Pretax return on assets | 0.7254% | 4,023 |
| Return on Equity (ROE) | 7.7951% | 3,462 |
| Retained earnings to average equity (ytd only) | 6.5242% | 2,608 |
| Net charge-offs to loans | 0.1345% | 601 |
| Credit loss provision to net charge-offs | 312.8205% | 981 |
| Earnings coverage of net charge-offs (x) | 12.6154% | 1,948 |
| Efficiency ratio | 77.1694% | 944 |
| Assets per employee ($millions) | 4.6655% | 3,997 |
| Cash dividends to net income (ytd only)* | 16.3043% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,995 |
| Loan loss allowance to noncurrent loans | 424.3697% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 3,219 |
| Noncurrent loans to loans | 0.2823% | 2,785 |
| Net loans and leases to total assets | 46.9801% | 3,717 |
| Net loans and leases to deposits | 51.6527% | 3,908 |
| Net loans and leases to core deposits | 55.4306% | 3,817 |
| Total domestic deposits to total assets | 90.9537% | 383 |
| Equity capital to assets | 9.0034% | 3,827 |
| Core capital (leverage) ratio | 8.7125% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,551,000 | 4,207 |
| Average earning assets | $77,198,750 | 4,216 |
| Average equity | $7,868,000 | 4,403 |
| Average total loans | $38,666,500 | 4,282 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5716% | 2,713 |
| Cost of funding earning assets | 0.1667% | 4,075 |
| Net interest margin | 3.4049% | 2,128 |
| Noninterest income to average assets | 0.1923% | 4,239 |
| Noninterest expense to average assets | 2.4619% | 2,268 |
| Loan and lease loss provision to assets | 0.2044% | 543 |
| Net operating income to assets | 0.6684% | 3,835 |
| Return on assets (ROA) | 0.6684% | 3,899 |
| Pretax return on assets | 0.6684% | 4,130 |
| Return on Equity (ROE) | 7.1006% | 3,634 |
| Retained earnings to average equity (ytd only) | 5.8235% | 2,884 |
| Net charge-offs to loans | 0.2080% | 411 |
| Credit loss provision to net charge-offs | 217.9487% | 1,014 |
| Earnings coverage of net charge-offs (x) | 9.3077% | 1,843 |
| Efficiency ratio | 73.8284% | 1,257 |
| Assets per employee ($millions) | 4.4248% | 4,160 |
| Cash dividends to net income (ytd only)* | 17.9856% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,261 |
| Loan loss allowance to noncurrent loans | 373.6000% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 3,255 |
| Noncurrent loans to loans | 0.3041% | 2,834 |
| Net loans and leases to total assets | 48.3437% | 3,694 |
| Net loans and leases to deposits | 53.3646% | 3,901 |
| Net loans and leases to core deposits | 54.1827% | 4,015 |
| Total domestic deposits to total assets | 90.5913% | 524 |
| Equity capital to assets | 9.3742% | 3,445 |
| Core capital (leverage) ratio | 8.5136% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,186,667 | 4,248 |
| Average earning assets | $76,771,667 | 4,249 |
| Average equity | $7,830,333 | 4,429 |
| Average total loans | $37,505,333 | 4,327 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5251% | 2,843 |
| Cost of funding earning assets | 0.1691% | 4,170 |
| Net interest margin | 3.3560% | 2,231 |
| Noninterest income to average assets | 0.2272% | 4,017 |
| Noninterest expense to average assets | 2.7361% | 1,529 |
| Loan and lease loss provision to assets | 0.1112% | 1,249 |
| Net operating income to assets | 0.4496% | 4,274 |
| Return on assets (ROA) | 0.4496% | 4,308 |
| Pretax return on assets | 0.4496% | 4,421 |
| Return on Equity (ROE) | 4.7662% | 4,136 |
| Retained earnings to average equity (ytd only) | 4.7662% | 3,294 |
| Net charge-offs to loans | 0.3585% | 237 |
| Credit loss provision to net charge-offs | 71.8750% | 1,240 |
| Earnings coverage of net charge-offs (x) | 3.6250% | 1,757 |
| Efficiency ratio | 82.9912% | 648 |
| Assets per employee ($millions) | 3.9668% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,362 |
| Loan loss allowance to noncurrent loans | 698.3051% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,867 |
| Noncurrent loans to loans | 0.1595% | 3,539 |
| Net loans and leases to total assets | 43.9168% | 4,119 |
| Net loans and leases to deposits | 48.4486% | 4,246 |
| Net loans and leases to core deposits | 49.1958% | 4,334 |
| Total domestic deposits to total assets | 90.6462% | 524 |
| Equity capital to assets | 9.3286% | 3,357 |
| Core capital (leverage) ratio | 8.5911% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,744,500 | 4,271 |
| Average earning assets | $75,686,000 | 4,284 |
| Average equity | $7,805,000 | 4,450 |
| Average total loans | $35,703,000 | 4,386 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 4,122 |
| Cost of funding earning assets | 0.2221% | 4,500 |
| Net interest margin | 3.2282% | 3,277 |
| Noninterest income to average assets | 0.1659% | 4,462 |
| Noninterest expense to average assets | 2.8319% | 1,860 |
| Loan and lease loss provision to assets | 0.1286% | 2,754 |
| Net operating income to assets | 0.1595% | 4,616 |
| Return on assets (ROA) | 0.4077% | 4,309 |
| Pretax return on assets | 0.4077% | 4,407 |
| Return on Equity (ROE) | 4.1768% | 4,122 |
| Retained earnings to average equity (ytd only) | 1.2781% | 4,116 |
| Net charge-offs to loans | -0.1002% | 4,814 |
| Credit loss provision to net charge-offs | -370.3704% | 3,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7667% | 350 |
| Assets per employee ($millions) | 4.1093% | 4,284 |
| Cash dividends to net income (ytd only)* | 69.4006% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,826 |
| Loan loss allowance to noncurrent loans | 657.8125% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,942 |
| Noncurrent loans to loans | 0.1860% | 3,547 |
| Net loans and leases to total assets | 41.3562% | 4,386 |
| Net loans and leases to deposits | 45.7235% | 4,476 |
| Net loans and leases to core deposits | 46.4483% | 4,536 |
| Total domestic deposits to total assets | 90.4485% | 396 |
| Equity capital to assets | 9.5381% | 3,573 |
| Core capital (leverage) ratio | 8.3526% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,756,400 | 4,273 |
| Average earning assets | $71,154,000 | 4,279 |
| Average equity | $7,589,600 | 4,469 |
| Average total loans | $26,951,400 | 4,580 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 4,150 |
| Cost of funding earning assets | 0.2362% | 4,548 |
| Net interest margin | 3.2985% | 3,199 |
| Noninterest income to average assets | 0.1739% | 4,424 |
| Noninterest expense to average assets | 2.8336% | 1,870 |
| Loan and lease loss provision to assets | 0.0561% | 3,648 |
| Net operating income to assets | 0.2975% | 4,454 |
| Return on assets (ROA) | 0.2975% | 4,500 |
| Pretax return on assets | 0.2975% | 4,551 |
| Return on Equity (ROE) | 3.0289% | 4,382 |
| Retained earnings to average equity (ytd only) | -0.1948% | 4,507 |
| Net charge-offs to loans | -0.1382% | 4,878 |
| Credit loss provision to net charge-offs | -119.2308% | 3,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9192% | 391 |
| Assets per employee ($millions) | 4.5668% | 3,762 |
| Cash dividends to net income (ytd only)* | 106.4327% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,721 |
| Loan loss allowance to noncurrent loans | 510.1449% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,014 |
| Noncurrent loans to loans | 0.2332% | 3,469 |
| Net loans and leases to total assets | 35.5733% | 4,693 |
| Net loans and leases to deposits | 39.2631% | 4,773 |
| Net loans and leases to core deposits | 39.8827% | 4,783 |
| Total domestic deposits to total assets | 90.6024% | 259 |
| Equity capital to assets | 9.3489% | 3,822 |
| Core capital (leverage) ratio | 8.5603% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,649,000 | 4,293 |
| Average earning assets | $70,009,250 | 4,307 |
| Average equity | $7,527,250 | 4,495 |
| Average total loans | $25,086,750 | 4,637 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 3,679 |
| Cost of funding earning assets | 0.2527% | 4,615 |
| Net interest margin | 3.6265% | 2,394 |
| Noninterest income to average assets | 0.1925% | 4,315 |
| Noninterest expense to average assets | 2.9814% | 1,628 |
| Loan and lease loss provision to assets | 0.0562% | 3,596 |
| Net operating income to assets | 0.4546% | 4,125 |
| Return on assets (ROA) | 0.4546% | 4,185 |
| Pretax return on assets | 0.4546% | 4,327 |
| Return on Equity (ROE) | 4.5487% | 3,959 |
| Retained earnings to average equity (ytd only) | 0.5351% | 4,206 |
| Net charge-offs to loans | -0.1611% | 4,913 |
| Credit loss provision to net charge-offs | -110.5263% | 3,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3752% | 569 |
| Assets per employee ($millions) | 5.1678% | 2,981 |
| Cash dividends to net income (ytd only)* | 88.2353% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,504 |
| Loan loss allowance to noncurrent loans | 232.6389% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 3,608 |
| Noncurrent loans to loans | 0.6125% | 2,325 |
| Net loans and leases to total assets | 29.8967% | 4,859 |
| Net loans and leases to deposits | 33.2306% | 4,899 |
| Net loans and leases to core deposits | 33.7892% | 4,906 |
| Total domestic deposits to total assets | 89.9674% | 408 |
| Equity capital to assets | 9.9914% | 3,215 |
| Core capital (leverage) ratio | 8.9271% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,798,000 | 4,323 |
| Average earning assets | $68,055,000 | 4,345 |
| Average equity | $7,474,667 | 4,520 |
| Average total loans | $23,584,333 | 4,700 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 4,371 |
| Cost of funding earning assets | 0.2673% | 4,736 |
| Net interest margin | 3.4456% | 3,158 |
| Noninterest income to average assets | 0.2288% | 4,183 |
| Noninterest expense to average assets | 3.2898% | 1,249 |
| Loan and lease loss provision to assets | 0.0545% | 3,085 |
| Net operating income to assets | 0.0436% | 4,720 |
| Return on assets (ROA) | 0.0436% | 4,713 |
| Pretax return on assets | 0.0436% | 4,708 |
| Return on Equity (ROE) | 0.4360% | 4,699 |
| Retained earnings to average equity (ytd only) | -5.0140% | 4,523 |
| Net charge-offs to loans | -0.0169% | 4,272 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1061% | 295 |
| Assets per employee ($millions) | 3.8422% | 4,127 |
| Cash dividends to net income (ytd only)* | 1,250.0000% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 1,855 |
| Loan loss allowance to noncurrent loans | 217.0213% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 3,720 |
| Noncurrent loans to loans | 0.6272% | 2,421 |
| Net loans and leases to total assets | 30.3745% | 4,903 |
| Net loans and leases to deposits | 33.7668% | 4,937 |
| Net loans and leases to core deposits | 34.3687% | 4,942 |
| Total domestic deposits to total assets | 89.9537% | 338 |
| Equity capital to assets | 10.0148% | 3,771 |
| Core capital (leverage) ratio | 9.1457% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,438,500 | 4,350 |
| Average earning assets | $67,332,500 | 4,363 |
| Average equity | $7,339,500 | 4,570 |
| Average total loans | $23,621,500 | 4,729 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 4,864 |
| Cost of funding earning assets | 0.2754% | 4,785 |
| Net interest margin | 3.2112% | 4,161 |
| Noninterest income to average assets | 0.2486% | 4,189 |
| Noninterest expense to average assets | 2.9617% | 2,117 |
| Loan and lease loss provision to assets | 0.0137% | 3,739 |
| Net operating income to assets | 0.2047% | 4,834 |
| Return on assets (ROA) | 0.3640% | 4,688 |
| Pretax return on assets | 0.3640% | 4,757 |
| Return on Equity (ROE) | 3.8216% | 4,512 |
| Retained earnings to average equity (ytd only) | 1.2979% | 4,276 |
| Net charge-offs to loans | -0.3918% | 5,108 |
| Credit loss provision to net charge-offs | -15.1515% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1317% | 265 |
| Assets per employee ($millions) | 3.8882% | 4,040 |
| Cash dividends to net income (ytd only)* | 66.0377% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,482 |
| Loan loss allowance to noncurrent loans | 172.5146% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 3,515 |
| Noncurrent loans to loans | 0.6905% | 2,159 |
| Net loans and leases to total assets | 33.1208% | 4,916 |
| Net loans and leases to deposits | 36.8123% | 4,963 |
| Net loans and leases to core deposits | 37.4673% | 4,978 |
| Total domestic deposits to total assets | 89.9723% | 328 |
| Equity capital to assets | 9.9736% | 3,946 |
| Core capital (leverage) ratio | 9.1144% | 4,435 |
| Tier 1 risk-based capital ratio | 16.4566% | 2,232 |
| Total risk-based capital ratio | 17.1743% | 2,376 |
| Memoranda: | ||
| Average total assets | $72,796,400 | 4,387 |
| Average earning assets | $66,455,200 | 4,399 |
| Average equity | $6,934,200 | 4,650 |
| Average total loans | $16,844,400 | 4,932 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4694% | 4,975 |
| Cost of funding earning assets | 0.2787% | 4,849 |
| Net interest margin | 3.1907% | 4,316 |
| Noninterest income to average assets | 0.2372% | 4,315 |
| Noninterest expense to average assets | 3.0314% | 1,879 |
| Loan and lease loss provision to assets | 0.0037% | 3,791 |
| Net operating income to assets | 0.1066% | 5,014 |
| Return on assets (ROA) | 0.3033% | 4,860 |
| Pretax return on assets | 0.3033% | 4,904 |
| Return on Equity (ROE) | 3.2229% | 4,730 |
| Retained earnings to average equity (ytd only) | 2.0511% | 4,253 |
| Net charge-offs to loans | 0.0089% | 3,043 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 60.1504% | 1,051 |
| Efficiency ratio | 96.4892% | 194 |
| Assets per employee ($millions) | 3.8869% | 4,045 |
| Cash dividends to net income (ytd only)* | 36.3653% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 1,661 |
| Loan loss allowance to noncurrent loans | 84.3511% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 3,086 |
| Noncurrent loans to loans | 1.6322% | 899 |
| Net loans and leases to total assets | 21.4364% | 5,148 |
| Net loans and leases to deposits | 23.8150% | 5,161 |
| Net loans and leases to core deposits | 24.2372% | 5,162 |
| Total domestic deposits to total assets | 90.0123% | 283 |
| Equity capital to assets | 9.9322% | 4,087 |
| Core capital (leverage) ratio | 9.2217% | 4,458 |
| Tier 1 risk-based capital ratio | 23.8806% | 856 |
| Total risk-based capital ratio | 24.6592% | 887 |
| Memoranda: | ||
| Average total assets | $72,526,750 | 4,445 |
| Average earning assets | $66,023,500 | 4,459 |
| Average equity | $6,825,750 | 4,717 |
| Average total loans | $14,864,750 | 5,045 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 5,005 |
| Cost of funding earning assets | 0.2596% | 4,927 |
| Net interest margin | 3.2433% | 4,260 |
| Noninterest income to average assets | 0.2442% | 4,293 |
| Noninterest expense to average assets | 3.1574% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1027% | 5,058 |
| Return on assets (ROA) | 0.2414% | 4,962 |
| Pretax return on assets | 0.2414% | 4,989 |
| Return on Equity (ROE) | 2.6142% | 4,858 |
| Retained earnings to average equity (ytd only) | 1.7127% | 4,203 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8511% | 193 |
| Assets per employee ($millions) | 3.7765% | 4,156 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 1,057 |
| Loan loss allowance to noncurrent loans | 74.9153% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 2,866 |
| Noncurrent loans to loans | 2.1165% | 650 |
| Net loans and leases to total assets | 19.1170% | 5,211 |
| Net loans and leases to deposits | 21.2878% | 5,216 |
| Net loans and leases to core deposits | 21.6763% | 5,215 |
| Total domestic deposits to total assets | 89.8025% | 391 |
| Equity capital to assets | 10.1571% | 3,829 |
| Core capital (leverage) ratio | 9.3729% | 4,281 |
| Tier 1 risk-based capital ratio | 24.9426% | 761 |
| Total risk-based capital ratio | 25.7614% | 781 |
| Memoranda: | ||
| Average total assets | $72,085,330 | 4,485 |
| Average earning assets | $67,029,670 | 4,478 |
| Average equity | $6,656,000 | 4,760 |
| Average total loans | $14,469,000 | 5,098 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 5,022 |
| Cost of funding earning assets | 0.2512% | 4,976 |
| Net interest margin | 3.2770% | 4,215 |
| Noninterest income to average assets | 0.2713% | 4,062 |
| Noninterest expense to average assets | 3.1003% | 1,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2048% | 5,007 |
| Return on assets (ROA) | 0.2048% | 5,013 |
| Pretax return on assets | 0.2048% | 5,026 |
| Return on Equity (ROE) | 2.3344% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.3344% | 3,973 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8023% | 281 |
| Assets per employee ($millions) | 3.8113% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 1,238 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 3,394 |
| Noncurrent loans to loans | 1.5312% | 1,051 |
| Net loans and leases to total assets | 19.5377% | 5,267 |
| Net loans and leases to deposits | 21.5398% | 5,273 |
| Net loans and leases to core deposits | 21.8209% | 5,275 |
| Total domestic deposits to total assets | 90.7048% | 227 |
| Equity capital to assets | 9.2731% | 4,455 |
| Core capital (leverage) ratio | 9.4429% | 4,205 |
| Tier 1 risk-based capital ratio | 24.3514% | 814 |
| Total risk-based capital ratio | 25.1497% | 829 |
| Memoranda: | ||
| Average total assets | $72,251,500 | 4,532 |
| Average earning assets | $66,891,000 | 4,531 |
| Average equity | $6,340,000 | 4,837 |
| Average total loans | $14,734,500 | 5,153 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 5,059 |
| Cost of funding earning assets | 0.3502% | 4,279 |
| Net interest margin | 2.9792% | 4,824 |
| Noninterest income to average assets | 0.2736% | 4,274 |
| Noninterest expense to average assets | 2.8227% | 2,610 |
| Loan and lease loss provision to assets | 0.0201% | 3,759 |
| Net operating income to assets | 0.1797% | 5,126 |
| Return on assets (ROA) | 0.2105% | 5,093 |
| Pretax return on assets | 0.2105% | 5,109 |
| Return on Equity (ROE) | 2.6384% | 4,964 |
| Retained earnings to average equity (ytd only) | 2.1342% | 4,300 |
| Net charge-offs to loans | 0.7276% | 219 |
| Credit loss provision to net charge-offs | 14.1509% | 3,418 |
| Earnings coverage of net charge-offs (x) | 1.4057% | 3,629 |
| Efficiency ratio | 93.3895% | 253 |
| Assets per employee ($millions) | 3.7942% | 4,186 |
| Cash dividends to net income (ytd only)* | 19.1083% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,427 |
| Loan loss allowance to noncurrent loans | 72.1311% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 2,872 |
| Noncurrent loans to loans | 2.0197% | 668 |
| Net loans and leases to total assets | 20.6425% | 5,302 |
| Net loans and leases to deposits | 22.5074% | 5,313 |
| Net loans and leases to core deposits | 22.7984% | 5,312 |
| Total domestic deposits to total assets | 91.7144% | 95 |
| Equity capital to assets | 8.2745% | 5,054 |
| Core capital (leverage) ratio | 9.4466% | 4,176 |
| Tier 1 risk-based capital ratio | 23.1294% | 909 |
| Total risk-based capital ratio | 23.8919% | 928 |
| Memoranda: | ||
| Average total assets | $74,574,600 | 4,519 |
| Average earning assets | $68,810,000 | 4,515 |
| Average equity | $5,950,600 | 4,909 |
| Average total loans | $14,569,200 | 5,202 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2821% | 5,140 |
| Cost of funding earning assets | 0.3790% | 4,001 |
| Net interest margin | 2.9031% | 4,971 |
| Noninterest income to average assets | 0.2926% | 4,193 |
| Noninterest expense to average assets | 2.7767% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1915% | 5,200 |
| Return on assets (ROA) | 0.2323% | 5,169 |
| Pretax return on assets | 0.2323% | 5,187 |
| Return on Equity (ROE) | 2.9369% | 5,014 |
| Retained earnings to average equity (ytd only) | 2.9369% | 4,259 |
| Net charge-offs to loans | 0.5819% | 257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 3,323 |
| Efficiency ratio | 93.5484% | 249 |
| Assets per employee ($millions) | 3.7323% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 939 |
| Loan loss allowance to noncurrent loans | 69.3593% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 2,685 |
| Noncurrent loans to loans | 2.3999% | 559 |
| Net loans and leases to total assets | 20.7434% | 5,377 |
| Net loans and leases to deposits | 22.8665% | 5,388 |
| Net loans and leases to core deposits | 23.1701% | 5,386 |
| Total domestic deposits to total assets | 90.7155% | 290 |
| Equity capital to assets | 7.8264% | 5,230 |
| Core capital (leverage) ratio | 9.1916% | 4,520 |
| Tier 1 risk-based capital ratio | 23.5624% | 884 |
| Total risk-based capital ratio | 24.4408% | 892 |
| Memoranda: | ||
| Average total assets | $75,196,000 | 4,554 |
| Average earning assets | $69,302,500 | 4,552 |
| Average equity | $5,947,000 | 4,958 |
| Average total loans | $14,436,250 | 5,271 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2020% | 5,225 |
| Cost of funding earning assets | 0.4309% | 3,489 |
| Net interest margin | 2.7711% | 5,154 |
| Noninterest income to average assets | 0.3289% | 3,988 |
| Noninterest expense to average assets | 2.7720% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0914% | 5,298 |
| Return on assets (ROA) | 0.1514% | 5,253 |
| Pretax return on assets | 0.1514% | 5,274 |
| Return on Equity (ROE) | 1.9081% | 5,185 |
| Retained earnings to average equity (ytd only) | 1.9081% | 4,491 |
| Net charge-offs to loans | 0.9255% | 145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.5303% | 3,122 |
| Efficiency ratio | 96.8095% | 211 |
| Assets per employee ($millions) | 3.8740% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 1,239 |
| Loan loss allowance to noncurrent loans | 86.5724% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 2,928 |
| Noncurrent loans to loans | 1.7906% | 871 |
| Net loans and leases to total assets | 21.1396% | 5,435 |
| Net loans and leases to deposits | 24.0279% | 5,443 |
| Net loans and leases to core deposits | 24.3445% | 5,445 |
| Total domestic deposits to total assets | 87.9792% | 1,397 |
| Equity capital to assets | 7.9110% | 5,257 |
| Core capital (leverage) ratio | 8.7947% | 4,889 |
| Tier 1 risk-based capital ratio | 22.0671% | 1,028 |
| Total risk-based capital ratio | 22.8855% | 1,057 |
| Memoranda: | ||
| Average total assets | $76,623,330 | 4,579 |
| Average earning assets | $70,080,670 | 4,592 |
| Average equity | $6,079,330 | 4,993 |
| Average total loans | $14,262,000 | 5,335 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0991% | 5,313 |
| Cost of funding earning assets | 0.4855% | 2,902 |
| Net interest margin | 2.6136% | 5,316 |
| Noninterest income to average assets | 0.4352% | 3,201 |
| Noninterest expense to average assets | 2.8465% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0410% | 5,404 |
| Return on assets (ROA) | 0.0819% | 5,335 |
| Pretax return on assets | 0.0819% | 5,343 |
| Return on Equity (ROE) | 1.0310% | 5,306 |
| Retained earnings to average equity (ytd only) | 1.0310% | 4,623 |
| Net charge-offs to loans | 2.0459% | 60 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -0.1159% | 2,659 |
| Efficiency ratio | 101.4599% | 164 |
| Assets per employee ($millions) | 4.0368% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 1,102 |
| Loan loss allowance to noncurrent loans | 61.5776% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 2,607 |
| Noncurrent loans to loans | 2.6386% | 491 |
| Net loans and leases to total assets | 19.1032% | 5,510 |
| Net loans and leases to deposits | 22.2695% | 5,515 |
| Net loans and leases to core deposits | 22.5578% | 5,511 |
| Total domestic deposits to total assets | 85.7821% | 2,642 |
| Equity capital to assets | 7.6781% | 5,373 |
| Core capital (leverage) ratio | 8.4346% | 5,179 |
| Tier 1 risk-based capital ratio | 18.5644% | 1,673 |
| Total risk-based capital ratio | 19.2488% | 1,787 |
| Memoranda: | ||
| Average total assets | $78,132,000 | 4,602 |
| Average earning assets | $70,860,000 | 4,622 |
| Average equity | $6,207,500 | 5,022 |
| Average total loans | $13,490,500 | 5,411 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0337% | 5,335 |
| Cost of funding earning assets | 0.6252% | 1,431 |
| Net interest margin | 2.4085% | 5,459 |
| Noninterest income to average assets | 0.2417% | 4,687 |
| Noninterest expense to average assets | 2.6380% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.1598% | 5,438 |
| Return on assets (ROA) | -0.1598% | 5,439 |
| Pretax return on assets | -0.1598% | 5,486 |
| Return on Equity (ROE) | -1.8643% | 5,460 |
| Retained earnings to average equity (ytd only) | -1.8643% | 5,275 |
| Net charge-offs to loans | 0.1807% | 1,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -5.9524% | 4,077 |
| Efficiency ratio | 106.4499% | 120 |
| Assets per employee ($millions) | 4.1876% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5730% | 225 |
| Loan loss allowance to noncurrent loans | 65.7505% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 1,976 |
| Noncurrent loans to loans | 3.9133% | 248 |
| Net loans and leases to total assets | 14.8005% | 5,604 |
| Net loans and leases to deposits | 17.3098% | 5,608 |
| Net loans and leases to core deposits | 17.5262% | 5,605 |
| Total domestic deposits to total assets | 85.5037% | 2,650 |
| Equity capital to assets | 8.2021% | 5,299 |
| Core capital (leverage) ratio | 8.3509% | 5,256 |
| Tier 1 risk-based capital ratio | 18.7268% | 1,580 |
| Total risk-based capital ratio | 19.6162% | 1,644 |
| Memoranda: | ||
| Average total assets | $78,203,200 | 4,626 |
| Average earning assets | $72,616,800 | 4,608 |
| Average equity | $6,705,000 | 4,994 |
| Average total loans | $11,621,800 | 5,509 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9991% | 5,409 |
| Cost of funding earning assets | 0.6728% | 1,106 |
| Net interest margin | 2.3263% | 5,558 |
| Noninterest income to average assets | 0.2586% | 4,651 |
| Noninterest expense to average assets | 2.6816% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.2500% | 5,593 |
| Return on assets (ROA) | -0.2500% | 5,594 |
| Pretax return on assets | -0.2500% | 5,585 |
| Return on Equity (ROE) | -2.8840% | 5,606 |
| Retained earnings to average equity (ytd only) | -2.8840% | 5,480 |
| Net charge-offs to loans | 0.2318% | 928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -7.2988% | 3,762 |
| Efficiency ratio | 110.2817% | 97 |
| Assets per employee ($millions) | 4.3579% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4137% | 298 |
| Loan loss allowance to noncurrent loans | 55.8140% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 1,972 |
| Noncurrent loans to loans | 4.3246% | 213 |
| Net loans and leases to total assets | 16.0807% | 5,662 |
| Net loans and leases to deposits | 19.0019% | 5,663 |
| Net loans and leases to core deposits | 19.2454% | 5,663 |
| Total domestic deposits to total assets | 84.6269% | 2,871 |
| Equity capital to assets | 8.9416% | 4,963 |
| Core capital (leverage) ratio | 8.3731% | 5,334 |
| Tier 1 risk-based capital ratio | 19.5051% | 1,478 |
| Total risk-based capital ratio | 20.4375% | 1,499 |
| Memoranda: | ||
| Average total assets | $77,862,750 | 4,676 |
| Average earning assets | $72,730,500 | 4,653 |
| Average equity | $6,749,750 | 5,043 |
| Average total loans | $11,505,500 | 5,571 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0180% | 5,420 |
| Cost of funding earning assets | 0.7765% | 593 |
| Net interest margin | 2.2414% | 5,634 |
| Noninterest income to average assets | 0.2833% | 4,529 |
| Noninterest expense to average assets | 2.7192% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.3399% | 5,657 |
| Return on assets (ROA) | -0.3399% | 5,656 |
| Pretax return on assets | -0.3399% | 5,640 |
| Return on Equity (ROE) | -3.9630% | 5,671 |
| Retained earnings to average equity (ytd only) | -3.9630% | 5,487 |
| Net charge-offs to loans | 0.3807% | 542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -6.2857% | 3,470 |
| Efficiency ratio | 114.2857% | 85 |
| Assets per employee ($millions) | 3.9468% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9320% | 171 |
| Loan loss allowance to noncurrent loans | 45.1237% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9455% | 1,861 |
| Noncurrent loans to loans | 6.4977% | 87 |
| Net loans and leases to total assets | 13.6860% | 5,725 |
| Net loans and leases to deposits | 16.5939% | 5,725 |
| Net loans and leases to core deposits | 16.8221% | 5,725 |
| Total domestic deposits to total assets | 82.4761% | 3,735 |
| Equity capital to assets | 9.4761% | 4,424 |
| Core capital (leverage) ratio | 8.6817% | 5,058 |
| Tier 1 risk-based capital ratio | 20.0948% | 1,355 |
| Total risk-based capital ratio | 21.0486% | 1,379 |
| Memoranda: | ||
| Average total assets | $77,669,670 | 4,709 |
| Average earning assets | $72,631,670 | 4,683 |
| Average equity | $6,661,670 | 5,084 |
| Average total loans | $11,032,000 | 5,627 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9861% | 5,471 |
| Cost of funding earning assets | 1.0606% | 118 |
| Net interest margin | 1.9254% | 5,767 |
| Noninterest income to average assets | 0.3544% | 4,005 |
| Noninterest expense to average assets | 2.6984% | 3,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.5518% | 5,746 |
| Return on assets (ROA) | -0.5518% | 5,745 |
| Pretax return on assets | -0.5518% | 5,737 |
| Return on Equity (ROE) | -6.7707% | 5,756 |
| Retained earnings to average equity (ytd only) | -6.7707% | 5,479 |
| Net charge-offs to loans | 0.8525% | 200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -4.5417% | 2,903 |
| Efficiency ratio | 125.7075% | 68 |
| Assets per employee ($millions) | 3.9897% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7703% | 231 |
| Loan loss allowance to noncurrent loans | 47.8261% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 2,104 |
| Noncurrent loans to loans | 5.7924% | 121 |
| Net loans and leases to total assets | 14.2603% | 5,791 |
| Net loans and leases to deposits | 16.8273% | 5,787 |
| Net loans and leases to core deposits | 16.8273% | 5,789 |
| Total domestic deposits to total assets | 84.7451% | 3,191 |
| Equity capital to assets | 8.6221% | 5,133 |
| Core capital (leverage) ratio | 8.5515% | 5,190 |
| Tier 1 risk-based capital ratio | 19.7028% | 1,447 |
| Total risk-based capital ratio | 20.6274% | 1,497 |
| Memoranda: | ||
| Average total assets | $79,010,000 | 4,732 |
| Average earning assets | $73,541,500 | 4,713 |
| Average equity | $6,439,500 | 5,163 |
| Average total loans | $11,261,500 | 5,688 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0253% | 5,482 |
| Cost of funding earning assets | 0.6294% | 1,157 |
| Net interest margin | 2.3959% | 5,647 |
| Noninterest income to average assets | 0.1241% | 5,564 |
| Noninterest expense to average assets | 2.3977% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.0446% | 5,664 |
| Return on assets (ROA) | 0.2338% | 5,417 |
| Pretax return on assets | 0.2338% | 5,452 |
| Return on Equity (ROE) | 2.5598% | 5,280 |
| Retained earnings to average equity (ytd only) | 0.8445% | 4,986 |
| Net charge-offs to loans | 0.1384% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -2.1765% | 4,195 |
| Efficiency ratio | 101.8945% | 200 |
| Assets per employee ($millions) | 4.5675% | 3,021 |
| Cash dividends to net income (ytd only)* | 67.0103% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9110% | 191 |
| Loan loss allowance to noncurrent loans | 175.6614% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 4,212 |
| Noncurrent loans to loans | 1.6572% | 1,168 |
| Net loans and leases to total assets | 13.4683% | 5,855 |
| Net loans and leases to deposits | 16.8157% | 5,848 |
| Net loans and leases to core deposits | 16.8157% | 5,850 |
| Total domestic deposits to total assets | 80.0937% | 4,555 |
| Equity capital to assets | 7.7151% | 5,659 |
| Core capital (leverage) ratio | 8.1474% | 5,535 |
| Tier 1 risk-based capital ratio | 19.5505% | 1,464 |
| Total risk-based capital ratio | 20.5233% | 1,490 |
| Memoranda: | ||
| Average total assets | $82,994,600 | 4,667 |
| Average earning assets | $77,215,000 | 4,640 |
| Average equity | $7,578,800 | 4,996 |
| Average total loans | $12,279,000 | 5,725 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0430% | 5,535 |
| Cost of funding earning assets | 0.6264% | 1,160 |
| Net interest margin | 2.4165% | 5,709 |
| Noninterest income to average assets | 0.1314% | 5,597 |
| Noninterest expense to average assets | 2.4682% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0801% | 5,753 |
| Return on assets (ROA) | 0.2821% | 5,402 |
| Pretax return on assets | 0.2821% | 5,477 |
| Return on Equity (ROE) | 2.9750% | 5,223 |
| Retained earnings to average equity (ytd only) | 1.0311% | 5,079 |
| Net charge-offs to loans | 0.2134% | 1,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -2.4998% | 3,877 |
| Efficiency ratio | 103.3557% | 186 |
| Assets per employee ($millions) | 4.3925% | 3,263 |
| Cash dividends to net income (ytd only)* | 65.3413% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7900% | 240 |
| Loan loss allowance to noncurrent loans | 825.0000% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 5,205 |
| Noncurrent loans to loans | 0.3382% | 4,046 |
| Net loans and leases to total assets | 13.7772% | 5,918 |
| Net loans and leases to deposits | 17.6350% | 5,913 |
| Net loans and leases to core deposits | 17.6350% | 5,910 |
| Total domestic deposits to total assets | 78.1241% | 4,891 |
| Equity capital to assets | 9.7595% | 4,409 |
| Core capital (leverage) ratio | 8.1073% | 5,637 |
| Tier 1 risk-based capital ratio | 19.0028% | 1,670 |
| Total risk-based capital ratio | 19.9430% | 1,708 |
| Memoranda: | ||
| Average total assets | $83,189,500 | 4,700 |
| Average earning assets | $77,684,750 | 4,673 |
| Average equity | $7,887,750 | 5,007 |
| Average total loans | $12,497,500 | 5,780 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 5,558 |
| Cost of funding earning assets | 0.6240% | 1,169 |
| Net interest margin | 2.4677% | 5,761 |
| Noninterest income to average assets | 0.1396% | 5,615 |
| Noninterest expense to average assets | 2.5920% | 3,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1492% | 5,838 |
| Return on assets (ROA) | 0.1564% | 5,652 |
| Pretax return on assets | 0.1564% | 5,662 |
| Return on Equity (ROE) | 1.6662% | 5,581 |
| Retained earnings to average equity (ytd only) | -0.7690% | 5,406 |
| Net charge-offs to loans | 0.0943% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -10.3333% | 3,647 |
| Efficiency ratio | 106.1084% | 171 |
| Assets per employee ($millions) | 4.2775% | 3,412 |
| Cash dividends to net income (ytd only)* | 146.1538% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8531% | 237 |
| Loan loss allowance to noncurrent loans | 263.0769% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,814 |
| Noncurrent loans to loans | 1.0845% | 2,120 |
| Net loans and leases to total assets | 14.3284% | 5,991 |
| Net loans and leases to deposits | 18.4853% | 5,984 |
| Net loans and leases to core deposits | 18.4853% | 5,986 |
| Total domestic deposits to total assets | 77.5126% | 5,083 |
| Equity capital to assets | 10.0527% | 4,160 |
| Core capital (leverage) ratio | 8.0429% | 5,704 |
| Tier 1 risk-based capital ratio | 18.9197% | 1,705 |
| Total risk-based capital ratio | 19.9034% | 1,730 |
| Memoranda: | ||
| Average total assets | $83,100,330 | 4,740 |
| Average earning assets | $77,563,670 | 4,712 |
| Average equity | $7,802,000 | 5,063 |
| Average total loans | $12,720,670 | 5,848 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1431% | 5,558 |
| Cost of funding earning assets | 0.6235% | 1,196 |
| Net interest margin | 2.5196% | 5,790 |
| Noninterest income to average assets | 0.1619% | 5,524 |
| Noninterest expense to average assets | 2.5139% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0048% | 5,789 |
| Return on assets (ROA) | 0.6047% | 4,275 |
| Pretax return on assets | 0.6047% | 4,810 |
| Return on Equity (ROE) | 6.6684% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.3056% | 3,328 |
| Net charge-offs to loans | -0.2139% | 5,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1898% | 287 |
| Assets per employee ($millions) | 4.3801% | 3,276 |
| Cash dividends to net income (ytd only)* | 35.4331% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7674% | 286 |
| Loan loss allowance to noncurrent loans | 289.4309% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 4,835 |
| Noncurrent loans to loans | 0.9562% | 2,465 |
| Net loans and leases to total assets | 15.0299% | 6,039 |
| Net loans and leases to deposits | 19.1579% | 6,036 |
| Net loans and leases to core deposits | 19.1579% | 6,036 |
| Total domestic deposits to total assets | 78.4526% | 5,066 |
| Equity capital to assets | 9.4111% | 4,760 |
| Core capital (leverage) ratio | 8.4541% | 5,434 |
| Tier 1 risk-based capital ratio | 18.1609% | 1,942 |
| Total risk-based capital ratio | 19.0797% | 1,994 |
| Memoranda: | ||
| Average total assets | $84,014,500 | 4,767 |
| Average earning assets | $78,266,500 | 4,740 |
| Average equity | $7,618,000 | 5,119 |
| Average total loans | $13,087,500 | 5,896 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0960% | 5,632 |
| Cost of funding earning assets | 0.6388% | 1,132 |
| Net interest margin | 2.4572% | 5,853 |
| Noninterest income to average assets | 0.1305% | 5,763 |
| Noninterest expense to average assets | 2.3763% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0415% | 5,824 |
| Return on assets (ROA) | 0.4792% | 4,856 |
| Pretax return on assets | 0.4804% | 5,152 |
| Return on Equity (ROE) | 5.1437% | 4,442 |
| Retained earnings to average equity (ytd only) | -1.1387% | 5,677 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2359% | 332 |
| Assets per employee ($millions) | 4.9887% | 2,379 |
| Cash dividends to net income (ytd only)* | 122.1374% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6219% | 348 |
| Loan loss allowance to noncurrent loans | 484.7222% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 5,174 |
| Noncurrent loans to loans | 0.5409% | 3,541 |
| Net loans and leases to total assets | 15.2839% | 6,102 |
| Net loans and leases to deposits | 19.2569% | 6,101 |
| Net loans and leases to core deposits | 19.6465% | 6,098 |
| Total domestic deposits to total assets | 79.3687% | 4,894 |
| Equity capital to assets | 8.7303% | 5,364 |
| Core capital (leverage) ratio | 8.0584% | 5,801 |
| Tier 1 risk-based capital ratio | 16.5361% | 2,460 |
| Total risk-based capital ratio | 17.4094% | 2,575 |
| Memoranda: | ||
| Average total assets | $82,019,000 | 4,826 |
| Average earning assets | $76,388,000 | 4,805 |
| Average equity | $7,640,400 | 5,124 |
| Average total loans | $13,213,000 | 5,948 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0948% | 5,714 |
| Cost of funding earning assets | 0.6375% | 1,162 |
| Net interest margin | 2.4573% | 5,939 |
| Noninterest income to average assets | 0.1361% | 5,804 |
| Noninterest expense to average assets | 2.2970% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1377% | 5,797 |
| Return on assets (ROA) | 0.6673% | 4,160 |
| Pretax return on assets | 0.6689% | 4,781 |
| Return on Equity (ROE) | 7.0479% | 3,593 |
| Retained earnings to average equity (ytd only) | -0.3983% | 5,676 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2799% | 477 |
| Assets per employee ($millions) | 5.0725% | 2,210 |
| Cash dividends to net income (ytd only)* | 105.6519% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5539% | 405 |
| Loan loss allowance to noncurrent loans | 470.2703% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 5,301 |
| Noncurrent loans to loans | 0.5431% | 3,718 |
| Net loans and leases to total assets | 16.3603% | 6,182 |
| Net loans and leases to deposits | 20.8990% | 6,172 |
| Net loans and leases to core deposits | 20.8990% | 6,180 |
| Total domestic deposits to total assets | 78.2824% | 5,133 |
| Equity capital to assets | 9.3420% | 4,950 |
| Core capital (leverage) ratio | 8.3171% | 5,702 |
| Tier 1 risk-based capital ratio | 19.2777% | 1,715 |
| Total risk-based capital ratio | 20.2839% | 1,735 |
| Memoranda: | ||
| Average total assets | $81,321,750 | 4,895 |
| Average earning assets | $76,126,000 | 4,864 |
| Average equity | $7,699,500 | 5,175 |
| Average total loans | $13,188,500 | 6,026 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1289% | 5,706 |
| Cost of funding earning assets | 0.6395% | 1,170 |
| Net interest margin | 2.4894% | 5,970 |
| Noninterest income to average assets | 0.1475% | 5,825 |
| Noninterest expense to average assets | 2.3250% | 4,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1450% | 5,820 |
| Return on assets (ROA) | 0.9462% | 2,774 |
| Pretax return on assets | 0.9487% | 3,775 |
| Return on Equity (ROE) | 9.9500% | 2,090 |
| Retained earnings to average equity (ytd only) | -0.6461% | 5,635 |
| Net charge-offs to loans | -0.0307% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0358% | 515 |
| Assets per employee ($millions) | 4.9524% | 2,334 |
| Cash dividends to net income (ytd only)* | 106.4935% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7269% | 358 |
| Loan loss allowance to noncurrent loans | 432.0988% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 5,365 |
| Noncurrent loans to loans | 0.6311% | 3,580 |
| Net loans and leases to total assets | 15.7561% | 6,259 |
| Net loans and leases to deposits | 20.1716% | 6,250 |
| Net loans and leases to core deposits | 20.6163% | 6,248 |
| Total domestic deposits to total assets | 78.1105% | 5,261 |
| Equity capital to assets | 9.2316% | 4,979 |
| Core capital (leverage) ratio | 8.2875% | 5,720 |
| Tier 1 risk-based capital ratio | 18.6455% | 1,884 |
| Total risk-based capital ratio | 19.6238% | 1,923 |
| Memoranda: | ||
| Average total assets | $81,375,670 | 4,946 |
| Average earning assets | $76,001,000 | 4,922 |
| Average equity | $7,738,670 | 5,211 |
| Average total loans | $13,042,670 | 6,096 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1602% | 5,710 |
| Cost of funding earning assets | 0.6331% | 1,214 |
| Net interest margin | 2.5271% | 5,988 |
| Noninterest income to average assets | 0.1747% | 5,666 |
| Noninterest expense to average assets | 2.4307% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0825% | 5,907 |
| Return on assets (ROA) | 1.5477% | 820 |
| Pretax return on assets | 1.5526% | 1,381 |
| Return on Equity (ROE) | 16.0493% | 564 |
| Retained earnings to average equity (ytd only) | -3.3205% | 5,815 |
| Net charge-offs to loans | -0.0304% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5318% | 483 |
| Assets per employee ($millions) | 4.3299% | 3,324 |
| Cash dividends to net income (ytd only)* | 120.6897% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6613% | 426 |
| Loan loss allowance to noncurrent loans | 505.7971% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 5,128 |
| Noncurrent loans to loans | 0.5262% | 3,991 |
| Net loans and leases to total assets | 15.5164% | 6,324 |
| Net loans and leases to deposits | 19.8677% | 6,307 |
| Net loans and leases to core deposits | 19.8677% | 6,312 |
| Total domestic deposits to total assets | 78.0984% | 5,429 |
| Equity capital to assets | 9.7073% | 4,498 |
| Core capital (leverage) ratio | 8.1293% | 5,864 |
| Tier 1 risk-based capital ratio | 16.8816% | 2,527 |
| Total risk-based capital ratio | 17.6791% | 2,660 |
| Memoranda: | ||
| Average total assets | $82,444,000 | 4,977 |
| Average earning assets | $76,451,000 | 4,957 |
| Average equity | $7,950,500 | 5,224 |
| Average total loans | $13,146,500 | 6,147 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4521% | 5,428 |
| Cost of funding earning assets | 0.6799% | 1,209 |
| Net interest margin | 2.7722% | 5,848 |
| Noninterest income to average assets | 0.1804% | 5,774 |
| Noninterest expense to average assets | 2.3341% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4271% | 5,123 |
| Return on assets (ROA) | 0.6160% | 4,396 |
| Pretax return on assets | 0.6173% | 4,886 |
| Return on Equity (ROE) | 6.8711% | 3,706 |
| Retained earnings to average equity (ytd only) | 4.0652% | 3,315 |
| Net charge-offs to loans | -0.5005% | 6,392 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4958% | 1,343 |
| Assets per employee ($millions) | 4.3484% | 3,275 |
| Cash dividends to net income (ytd only)* | 40.8367% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6482% | 454 |
| Loan loss allowance to noncurrent loans | 491.5493% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 5,223 |
| Noncurrent loans to loans | 0.5387% | 4,042 |
| Net loans and leases to total assets | 15.5289% | 6,416 |
| Net loans and leases to deposits | 19.8395% | 6,407 |
| Net loans and leases to core deposits | 20.2570% | 6,402 |
| Total domestic deposits to total assets | 78.2728% | 5,382 |
| Equity capital to assets | 9.5800% | 4,617 |
| Core capital (leverage) ratio | 8.1545% | 5,883 |
| Tier 1 risk-based capital ratio | 18.9764% | 1,853 |
| Total risk-based capital ratio | 19.9654% | 1,894 |
| Memoranda: | ||
| Average total assets | $81,487,200 | 5,028 |
| Average earning assets | $75,895,400 | 4,990 |
| Average equity | $7,306,000 | 5,347 |
| Average total loans | $14,185,600 | 6,185 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 5,401 |
| Cost of funding earning assets | 0.6842% | 1,233 |
| Net interest margin | 2.8106% | 5,858 |
| Noninterest income to average assets | 0.1987% | 5,736 |
| Noninterest expense to average assets | 2.3003% | 5,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5205% | 4,800 |
| Return on assets (ROA) | 0.7766% | 3,633 |
| Pretax return on assets | 0.7783% | 4,432 |
| Return on Equity (ROE) | 8.8157% | 2,776 |
| Retained earnings to average equity (ytd only) | 5.9268% | 2,457 |
| Net charge-offs to loans | -0.6280% | 6,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5009% | 1,678 |
| Assets per employee ($millions) | 4.5302% | 2,914 |
| Cash dividends to net income (ytd only)* | 32.7694% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5368% | 618 |
| Loan loss allowance to noncurrent loans | 629.0909% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 5,498 |
| Noncurrent loans to loans | 0.4033% | 4,698 |
| Net loans and leases to total assets | 16.3018% | 6,493 |
| Net loans and leases to deposits | 20.8351% | 6,483 |
| Net loans and leases to core deposits | 21.9690% | 6,472 |
| Total domestic deposits to total assets | 78.2422% | 5,476 |
| Equity capital to assets | 9.4147% | 4,902 |
| Core capital (leverage) ratio | 8.2233% | 5,906 |
| Tier 1 risk-based capital ratio | 19.3178% | 1,819 |
| Total risk-based capital ratio | 20.3129% | 1,855 |
| Memoranda: | ||
| Average total assets | $81,204,000 | 5,086 |
| Average earning assets | $75,806,500 | 5,045 |
| Average equity | $7,153,750 | 5,432 |
| Average total loans | $14,437,250 | 6,248 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3876% | 5,649 |
| Cost of funding earning assets | 0.6881% | 1,251 |
| Net interest margin | 2.6995% | 6,053 |
| Noninterest income to average assets | 0.2269% | 5,585 |
| Noninterest expense to average assets | 2.2493% | 5,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4908% | 4,843 |
| Return on assets (ROA) | 0.8756% | 3,019 |
| Pretax return on assets | 0.8780% | 3,969 |
| Return on Equity (ROE) | 10.1729% | 2,068 |
| Retained earnings to average equity (ytd only) | 7.8804% | 1,372 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0144% | 1,743 |
| Assets per employee ($millions) | 4.1863% | 3,482 |
| Cash dividends to net income (ytd only)* | 22.5352% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9522% | 1,454 |
| Loan loss allowance to noncurrent loans | 485.9649% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 5,534 |
| Noncurrent loans to loans | 0.4017% | 4,784 |
| Net loans and leases to total assets | 17.4908% | 6,545 |
| Net loans and leases to deposits | 22.4782% | 6,528 |
| Net loans and leases to core deposits | 23.3564% | 6,524 |
| Total domestic deposits to total assets | 77.8121% | 5,672 |
| Equity capital to assets | 9.5337% | 4,710 |
| Core capital (leverage) ratio | 8.3471% | 5,804 |
| Tier 1 risk-based capital ratio | 19.3348% | 1,845 |
| Total risk-based capital ratio | 20.1373% | 1,913 |
| Memoranda: | ||
| Average total assets | $81,091,000 | 5,138 |
| Average earning assets | $75,569,670 | 5,087 |
| Average equity | $6,979,330 | 5,495 |
| Average total loans | $14,703,330 | 6,294 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 5,762 |
| Cost of funding earning assets | 0.6750% | 1,405 |
| Net interest margin | 2.6687% | 6,144 |
| Noninterest income to average assets | 0.3274% | 4,750 |
| Noninterest expense to average assets | 2.2964% | 5,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5179% | 4,595 |
| Return on assets (ROA) | 1.0749% | 1,983 |
| Pretax return on assets | 1.0798% | 2,999 |
| Return on Equity (ROE) | 13.1786% | 1,118 |
| Retained earnings to average equity (ytd only) | 9.5844% | 1,082 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4558% | 1,996 |
| Assets per employee ($millions) | 4.5265% | 2,931 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 1,722 |
| Loan loss allowance to noncurrent loans | 308.8889% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 5,505 |
| Noncurrent loans to loans | 0.6183% | 4,316 |
| Net loans and leases to total assets | 17.5252% | 6,614 |
| Net loans and leases to deposits | 22.1521% | 6,596 |
| Net loans and leases to core deposits | 22.9817% | 6,595 |
| Total domestic deposits to total assets | 79.1131% | 5,665 |
| Equity capital to assets | 8.5423% | 5,611 |
| Core capital (leverage) ratio | 7.9877% | 6,129 |
| Tier 1 risk-based capital ratio | 18.7953% | 2,032 |
| Total risk-based capital ratio | 19.5919% | 2,132 |
| Memoranda: | ||
| Average total assets | $81,867,000 | 5,166 |
| Average earning assets | $76,441,500 | 5,103 |
| Average equity | $6,677,500 | 5,597 |
| Average total loans | $14,960,500 | 6,348 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3640% | 5,904 |
| Cost of funding earning assets | 0.7074% | 1,765 |
| Net interest margin | 2.6566% | 6,196 |
| Noninterest income to average assets | 0.1337% | 6,263 |
| Noninterest expense to average assets | 2.2740% | 5,447 |
| Loan and lease loss provision to assets | 0.0578% | 3,987 |
| Net operating income to assets | 0.2614% | 5,653 |
| Return on assets (ROA) | 0.5372% | 4,696 |
| Pretax return on assets | 0.5384% | 5,078 |
| Return on Equity (ROE) | 6.1891% | 3,982 |
| Retained earnings to average equity (ytd only) | 1.6791% | 5,033 |
| Net charge-offs to loans | 0.2887% | 2,246 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.5417% | 3,273 |
| Efficiency ratio | 87.6509% | 1,251 |
| Assets per employee ($millions) | 4.5698% | 2,779 |
| Cash dividends to net income (ytd only)* | 72.8700% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 2,038 |
| Loan loss allowance to noncurrent loans | 231.6667% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 5,008 |
| Noncurrent loans to loans | 0.7810% | 4,023 |
| Net loans and leases to total assets | 18.3401% | 6,688 |
| Net loans and leases to deposits | 22.9236% | 6,682 |
| Net loans and leases to core deposits | 23.7635% | 6,673 |
| Total domestic deposits to total assets | 80.0053% | 5,444 |
| Equity capital to assets | 7.7744% | 6,147 |
| Core capital (leverage) ratio | 7.8007% | 6,244 |
| Tier 1 risk-based capital ratio | 17.3114% | 2,486 |
| Total risk-based capital ratio | 18.0635% | 2,657 |
| Memoranda: | ||
| Average total assets | $83,026,800 | 5,164 |
| Average earning assets | $76,902,800 | 5,119 |
| Average equity | $7,206,200 | 5,518 |
| Average total loans | $16,628,600 | 6,337 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3375% | 5,991 |
| Cost of funding earning assets | 0.7075% | 1,903 |
| Net interest margin | 2.6300% | 6,278 |
| Noninterest income to average assets | 0.1346% | 6,350 |
| Noninterest expense to average assets | 2.2991% | 5,345 |
| Loan and lease loss provision to assets | 0.0689% | 3,681 |
| Net operating income to assets | 0.2067% | 5,896 |
| Return on assets (ROA) | 0.4662% | 5,093 |
| Pretax return on assets | 0.4678% | 5,452 |
| Return on Equity (ROE) | 5.2367% | 4,604 |
| Retained earnings to average equity (ytd only) | -0.6118% | 6,064 |
| Net charge-offs to loans | 0.3935% | 1,631 |
| Credit loss provision to net charge-offs | 86.0000% | 2,713 |
| Earnings coverage of net charge-offs (x) | 3.4597% | 3,693 |
| Efficiency ratio | 89.2413% | 1,062 |
| Assets per employee ($millions) | 4.5799% | 2,755 |
| Cash dividends to net income (ytd only)* | 111.6833% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 2,809 |
| Loan loss allowance to noncurrent loans | 193.5714% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 4,435 |
| Noncurrent loans to loans | 0.8510% | 4,124 |
| Net loans and leases to total assets | 19.6278% | 6,754 |
| Net loans and leases to deposits | 24.5781% | 6,742 |
| Net loans and leases to core deposits | 25.5790% | 6,744 |
| Total domestic deposits to total assets | 79.8590% | 5,544 |
| Equity capital to assets | 7.9125% | 6,204 |
| Core capital (leverage) ratio | 7.6643% | 6,384 |
| Tier 1 risk-based capital ratio | 16.8148% | 2,795 |
| Total risk-based capital ratio | 17.5446% | 3,003 |
| Memoranda: | ||
| Average total assets | $83,219,250 | 5,211 |
| Average earning assets | $77,261,500 | 5,164 |
| Average equity | $7,409,000 | 5,537 |
| Average total loans | $16,944,750 | 6,392 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 5,937 |
| Cost of funding earning assets | 0.7118% | 1,986 |
| Net interest margin | 2.6737% | 6,220 |
| Noninterest income to average assets | 0.1437% | 6,331 |
| Noninterest expense to average assets | 2.4006% | 5,048 |
| Loan and lease loss provision to assets | 0.0359% | 4,228 |
| Net operating income to assets | 0.1797% | 5,958 |
| Return on assets (ROA) | 0.5774% | 4,587 |
| Pretax return on assets | 0.5798% | 5,099 |
| Return on Equity (ROE) | 6.2562% | 4,017 |
| Retained earnings to average equity (ytd only) | -1.5316% | 6,130 |
| Net charge-offs to loans | 0.4442% | 1,473 |
| Credit loss provision to net charge-offs | 39.4737% | 3,428 |
| Earnings coverage of net charge-offs (x) | 2.3947% | 3,721 |
| Efficiency ratio | 91.6743% | 914 |
| Assets per employee ($millions) | 4.6766% | 2,547 |
| Cash dividends to net income (ytd only)* | 124.4813% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 3,657 |
| Loan loss allowance to noncurrent loans | 170.4698% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 4,722 |
| Noncurrent loans to loans | 0.8702% | 4,182 |
| Net loans and leases to total assets | 21.2183% | 6,776 |
| Net loans and leases to deposits | 27.0884% | 6,752 |
| Net loans and leases to core deposits | 28.2568% | 6,748 |
| Total domestic deposits to total assets | 78.3301% | 5,916 |
| Equity capital to assets | 8.4300% | 5,839 |
| Core capital (leverage) ratio | 7.6861% | 6,373 |
| Tier 1 risk-based capital ratio | 17.0528% | 2,693 |
| Total risk-based capital ratio | 17.7493% | 2,893 |
| Memoranda: | ||
| Average total assets | $83,479,330 | 5,235 |
| Average earning assets | $77,272,330 | 5,189 |
| Average equity | $7,704,330 | 5,513 |
| Average total loans | $17,109,000 | 6,423 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3699% | 6,002 |
| Cost of funding earning assets | 0.7076% | 2,142 |
| Net interest margin | 2.6623% | 6,281 |
| Noninterest income to average assets | 0.1872% | 6,134 |
| Noninterest expense to average assets | 2.3869% | 5,160 |
| Loan and lease loss provision to assets | 0.0328% | 4,035 |
| Net operating income to assets | 0.2106% | 5,853 |
| Return on assets (ROA) | 0.9875% | 2,407 |
| Pretax return on assets | 0.9922% | 3,386 |
| Return on Equity (ROE) | 10.2858% | 1,960 |
| Retained earnings to average equity (ytd only) | 1.7549% | 5,112 |
| Net charge-offs to loans | -0.1403% | 6,575 |
| Credit loss provision to net charge-offs | -116.6667% | 5,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5861% | 1,096 |
| Assets per employee ($millions) | 4.7138% | 2,627 |
| Cash dividends to net income (ytd only)* | 82.9384% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6627% | 3,159 |
| Loan loss allowance to noncurrent loans | 123.3051% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 4,385 |
| Noncurrent loans to loans | 1.3484% | 3,543 |
| Net loans and leases to total assets | 20.2845% | 6,854 |
| Net loans and leases to deposits | 25.7723% | 6,824 |
| Net loans and leases to core deposits | 25.7723% | 6,839 |
| Total domestic deposits to total assets | 78.7066% | 6,012 |
| Equity capital to assets | 9.4263% | 4,963 |
| Core capital (leverage) ratio | 7.4945% | 6,473 |
| Tier 1 risk-based capital ratio | 16.7912% | 2,864 |
| Total risk-based capital ratio | 17.5651% | 3,051 |
| Memoranda: | ||
| Average total assets | $85,468,000 | 5,219 |
| Average earning assets | $78,578,500 | 5,192 |
| Average equity | $8,205,500 | 5,432 |
| Average total loans | $17,102,000 | 6,482 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 6,101 |
| Cost of funding earning assets | 0.8924% | 1,979 |
| Net interest margin | 2.7778% | 6,410 |
| Noninterest income to average assets | 0.1719% | 6,171 |
| Noninterest expense to average assets | 2.4096% | 5,380 |
| Loan and lease loss provision to assets | 0.1102% | 4,253 |
| Net operating income to assets | 0.2074% | 5,766 |
| Return on assets (ROA) | 0.6957% | 4,017 |
| Pretax return on assets | 0.6969% | 4,673 |
| Return on Equity (ROE) | 6.9904% | 3,642 |
| Retained earnings to average equity (ytd only) | 1.5124% | 5,109 |
| Net charge-offs to loans | 0.8026% | 1,454 |
| Credit loss provision to net charge-offs | 65.4930% | 4,301 |
| Earnings coverage of net charge-offs (x) | 1.8944% | 4,476 |
| Efficiency ratio | 88.3145% | 1,217 |
| Assets per employee ($millions) | 4.7827% | 2,519 |
| Cash dividends to net income (ytd only)* | 78.3646% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 3,069 |
| Loan loss allowance to noncurrent loans | 120.8696% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7748% | 4,523 |
| Noncurrent loans to loans | 1.3771% | 3,533 |
| Net loans and leases to total assets | 19.0782% | 6,940 |
| Net loans and leases to deposits | 24.2930% | 6,925 |
| Net loans and leases to core deposits | 24.2930% | 6,928 |
| Total domestic deposits to total assets | 78.5336% | 5,982 |
| Equity capital to assets | 9.7726% | 4,493 |
| Core capital (leverage) ratio | 7.5112% | 6,501 |
| Tier 1 risk-based capital ratio | 17.3521% | 2,501 |
| Total risk-based capital ratio | 18.1205% | 2,678 |
| Memoranda: | ||
| Average total assets | $84,369,400 | 5,238 |
| Average earning assets | $77,652,400 | 5,197 |
| Average equity | $8,397,200 | 5,391 |
| Average total loans | $17,691,600 | 6,525 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 6,144 |
| Cost of funding earning assets | 0.9399% | 1,915 |
| Net interest margin | 2.8024% | 6,497 |
| Noninterest income to average assets | 0.1827% | 6,213 |
| Noninterest expense to average assets | 2.2809% | 5,738 |
| Loan and lease loss provision to assets | 0.0953% | 4,384 |
| Net operating income to assets | 0.3860% | 5,307 |
| Return on assets (ROA) | 1.0452% | 2,519 |
| Pretax return on assets | 1.0468% | 3,549 |
| Return on Equity (ROE) | 10.4526% | 2,151 |
| Retained earnings to average equity (ytd only) | 6.3223% | 2,470 |
| Net charge-offs to loans | 0.8324% | 1,317 |
| Credit loss provision to net charge-offs | 53.5714% | 4,308 |
| Earnings coverage of net charge-offs (x) | 2.7143% | 3,948 |
| Efficiency ratio | 82.5287% | 1,750 |
| Assets per employee ($millions) | 4.2809% | 3,314 |
| Cash dividends to net income (ytd only)* | 39.5140% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 3,347 |
| Loan loss allowance to noncurrent loans | 192.3611% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 4,822 |
| Noncurrent loans to loans | 0.8560% | 4,706 |
| Net loans and leases to total assets | 19.3256% | 7,039 |
| Net loans and leases to deposits | 24.7817% | 7,027 |
| Net loans and leases to core deposits | 24.7817% | 7,040 |
| Total domestic deposits to total assets | 77.9833% | 6,082 |
| Equity capital to assets | 10.2667% | 4,112 |
| Core capital (leverage) ratio | 7.7996% | 6,468 |
| Tier 1 risk-based capital ratio | 18.2385% | 2,254 |
| Total risk-based capital ratio | 19.0101% | 2,410 |
| Memoranda: | ||
| Average total assets | $83,939,750 | 5,301 |
| Average earning assets | $77,312,750 | 5,263 |
| Average equity | $8,393,250 | 5,442 |
| Average total loans | $17,939,000 | 6,601 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 6,048 |
| Cost of funding earning assets | 0.9887% | 1,836 |
| Net interest margin | 2.8540% | 6,490 |
| Noninterest income to average assets | 0.2135% | 6,039 |
| Noninterest expense to average assets | 2.4274% | 5,362 |
| Loan and lease loss provision to assets | 0.1151% | 4,086 |
| Net operating income to assets | 0.2926% | 5,646 |
| Return on assets (ROA) | 1.2929% | 1,609 |
| Pretax return on assets | 1.2953% | 2,571 |
| Return on Equity (ROE) | 13.0493% | 1,352 |
| Retained earnings to average equity (ytd only) | 8.2072% | 1,568 |
| Net charge-offs to loans | 1.2233% | 883 |
| Credit loss provision to net charge-offs | 42.8571% | 4,195 |
| Earnings coverage of net charge-offs (x) | 1.5268% | 4,227 |
| Efficiency ratio | 85.5452% | 1,477 |
| Assets per employee ($millions) | 4.1523% | 3,559 |
| Cash dividends to net income (ytd only)* | 37.1058% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 3,953 |
| Loan loss allowance to noncurrent loans | 162.9630% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7911% | 4,815 |
| Noncurrent loans to loans | 0.9287% | 4,650 |
| Net loans and leases to total assets | 20.6873% | 7,074 |
| Net loans and leases to deposits | 26.6208% | 7,064 |
| Net loans and leases to core deposits | 27.7370% | 7,059 |
| Total domestic deposits to total assets | 77.7111% | 6,212 |
| Equity capital to assets | 10.1703% | 4,093 |
| Core capital (leverage) ratio | 7.9246% | 6,343 |
| Tier 1 risk-based capital ratio | 18.0158% | 2,283 |
| Total risk-based capital ratio | 18.7486% | 2,438 |
| Memoranda: | ||
| Average total assets | $83,380,670 | 5,342 |
| Average earning assets | $76,663,330 | 5,309 |
| Average equity | $8,261,000 | 5,496 |
| Average total loans | $18,311,000 | 6,630 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 5,348 |
| Cost of funding earning assets | 1.0095% | 1,922 |
| Net interest margin | 3.1226% | 5,976 |
| Noninterest income to average assets | 0.2346% | 5,951 |
| Noninterest expense to average assets | 2.5135% | 5,105 |
| Loan and lease loss provision to assets | 0.0239% | 5,046 |
| Net operating income to assets | 0.5506% | 4,592 |
| Return on assets (ROA) | 2.5806% | 192 |
| Pretax return on assets | 2.5853% | 296 |
| Return on Equity (ROE) | 26.3941% | 149 |
| Retained earnings to average equity (ytd only) | 21.4972% | 145 |
| Net charge-offs to loans | -0.1494% | 6,917 |
| Credit loss provision to net charge-offs | -71.4286% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2693% | 2,045 |
| Assets per employee ($millions) | 4.7079% | 2,651 |
| Cash dividends to net income (ytd only)* | 18.5529% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8327% | 2,885 |
| Loan loss allowance to noncurrent loans | 41.3625% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 3,499 |
| Noncurrent loans to loans | 4.4308% | 1,328 |
| Net loans and leases to total assets | 21.4911% | 7,119 |
| Net loans and leases to deposits | 27.4203% | 7,102 |
| Net loans and leases to core deposits | 27.4203% | 7,112 |
| Total domestic deposits to total assets | 78.3767% | 6,213 |
| Equity capital to assets | 9.7579% | 4,447 |
| Core capital (leverage) ratio | 8.0399% | 6,219 |
| Tier 1 risk-based capital ratio | 18.2127% | 2,220 |
| Total risk-based capital ratio | 19.1525% | 2,304 |
| Memoranda: | ||
| Average total assets | $83,548,000 | 5,374 |
| Average earning assets | $76,474,000 | 5,346 |
| Average equity | $8,168,500 | 5,543 |
| Average total loans | $18,744,500 | 6,671 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 5,655 |
| Cost of funding earning assets | 1.0990% | 2,682 |
| Net interest margin | 3.2343% | 5,995 |
| Noninterest income to average assets | 0.2187% | 5,955 |
| Noninterest expense to average assets | 2.5522% | 5,281 |
| Loan and lease loss provision to assets | 0.0803% | 5,610 |
| Net operating income to assets | 0.5732% | 4,129 |
| Return on assets (ROA) | 0.8104% | 3,165 |
| Pretax return on assets | 0.8116% | 3,937 |
| Return on Equity (ROE) | 8.9625% | 2,466 |
| Retained earnings to average equity (ytd only) | 4.1124% | 3,261 |
| Net charge-offs to loans | 0.1329% | 5,085 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 20.3846% | 1,133 |
| Efficiency ratio | 79.5840% | 2,362 |
| Assets per employee ($millions) | 4.5752% | 2,789 |
| Cash dividends to net income (ytd only)* | 54.1159% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 3,083 |
| Loan loss allowance to noncurrent loans | 46.9242% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 1.4705% | 3,758 |
| Noncurrent loans to loans | 3.6912% | 1,709 |
| Net loans and leases to total assets | 22.5964% | 7,177 |
| Net loans and leases to deposits | 28.9697% | 7,154 |
| Net loans and leases to core deposits | 28.9697% | 7,167 |
| Total domestic deposits to total assets | 77.9999% | 6,194 |
| Equity capital to assets | 9.7967% | 4,447 |
| Core capital (leverage) ratio | 7.7411% | 6,507 |
| Tier 1 risk-based capital ratio | 16.9805% | 2,619 |
| Total risk-based capital ratio | 17.8861% | 2,725 |
| Memoranda: | ||
| Average total assets | $80,951,200 | 5,433 |
| Average earning assets | $74,792,200 | 5,382 |
| Average equity | $7,319,400 | 5,766 |
| Average total loans | $19,560,200 | 6,677 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 5,682 |
| Cost of funding earning assets | 1.1247% | 2,799 |
| Net interest margin | 3.2529% | 6,006 |
| Noninterest income to average assets | 0.2349% | 5,941 |
| Noninterest expense to average assets | 2.6715% | 4,836 |
| Loan and lease loss provision to assets | 0.0744% | 5,518 |
| Net operating income to assets | 0.5112% | 4,501 |
| Return on assets (ROA) | 0.8321% | 3,177 |
| Pretax return on assets | 0.8337% | 4,006 |
| Return on Equity (ROE) | 9.4031% | 2,424 |
| Retained earnings to average equity (ytd only) | 3.7014% | 4,113 |
| Net charge-offs to loans | 0.0947% | 5,031 |
| Credit loss provision to net charge-offs | 321.4286% | 871 |
| Earnings coverage of net charge-offs (x) | 25.3519% | 1,051 |
| Efficiency ratio | 81.9797% | 1,974 |
| Assets per employee ($millions) | 4.2914% | 3,288 |
| Cash dividends to net income (ytd only)* | 60.6367% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 3,355 |
| Loan loss allowance to noncurrent loans | 29.5370% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 1.9415% | 3,216 |
| Noncurrent loans to loans | 5.6717% | 1,019 |
| Net loans and leases to total assets | 22.9629% | 7,245 |
| Net loans and leases to deposits | 29.5572% | 7,224 |
| Net loans and leases to core deposits | 29.5572% | 7,236 |
| Total domestic deposits to total assets | 77.6896% | 6,253 |
| Equity capital to assets | 9.9478% | 4,411 |
| Core capital (leverage) ratio | 7.5230% | 6,756 |
| Tier 1 risk-based capital ratio | 16.6076% | 2,807 |
| Total risk-based capital ratio | 17.4837% | 2,965 |
| Memoranda: | ||
| Average total assets | $80,600,500 | 5,486 |
| Average earning assets | $74,925,000 | 5,423 |
| Average equity | $7,132,250 | 5,870 |
| Average total loans | $19,716,000 | 6,742 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 5,682 |
| Cost of funding earning assets | 1.1388% | 2,975 |
| Net interest margin | 3.2644% | 5,957 |
| Noninterest income to average assets | 0.2541% | 5,831 |
| Noninterest expense to average assets | 2.7301% | 4,704 |
| Loan and lease loss provision to assets | 0.0947% | 5,147 |
| Net operating income to assets | 0.4758% | 4,613 |
| Return on assets (ROA) | 0.8395% | 3,006 |
| Pretax return on assets | 0.8420% | 3,865 |
| Return on Equity (ROE) | 9.9030% | 2,155 |
| Retained earnings to average equity (ytd only) | 3.2912% | 4,165 |
| Net charge-offs to loans | 0.2106% | 3,886 |
| Credit loss provision to net charge-offs | 180.9524% | 1,665 |
| Earnings coverage of net charge-offs (x) | 10.9524% | 1,754 |
| Efficiency ratio | 82.6546% | 2,000 |
| Assets per employee ($millions) | 3.9831% | 3,787 |
| Cash dividends to net income (ytd only)* | 66.7656% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 3,750 |
| Loan loss allowance to noncurrent loans | 38.6565% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 1.6809% | 3,661 |
| Noncurrent loans to loans | 4.1021% | 1,676 |
| Net loans and leases to total assets | 23.7619% | 7,321 |
| Net loans and leases to deposits | 31.0388% | 7,291 |
| Net loans and leases to core deposits | 31.6189% | 7,302 |
| Total domestic deposits to total assets | 76.5557% | 6,515 |
| Equity capital to assets | 9.5392% | 4,752 |
| Core capital (leverage) ratio | 7.3832% | 6,821 |
| Tier 1 risk-based capital ratio | 16.2448% | 2,861 |
| Total risk-based capital ratio | 17.0758% | 3,043 |
| Memoranda: | ||
| Average total assets | $80,288,670 | 5,540 |
| Average earning assets | $74,991,330 | 5,464 |
| Average equity | $6,806,000 | 5,984 |
| Average total loans | $19,940,670 | 6,792 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 6,340 |
| Cost of funding earning assets | 1.1535% | 3,137 |
| Net interest margin | 3.0194% | 6,536 |
| Noninterest income to average assets | 0.3920% | 4,772 |
| Noninterest expense to average assets | 2.8237% | 4,362 |
| Loan and lease loss provision to assets | 0.1489% | 4,154 |
| Net operating income to assets | 0.2394% | 5,646 |
| Return on assets (ROA) | 0.8536% | 2,826 |
| Pretax return on assets | 0.8585% | 3,668 |
| Return on Equity (ROE) | 10.7341% | 1,823 |
| Retained earnings to average equity (ytd only) | 4.4933% | 3,477 |
| Net charge-offs to loans | 0.0591% | 4,342 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 938 |
| Efficiency ratio | 87.9444% | 1,521 |
| Assets per employee ($millions) | 4.0532% | 3,730 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 3,822 |
| Loan loss allowance to noncurrent loans | 32.9510% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 1.6987% | 3,705 |
| Noncurrent loans to loans | 4.7924% | 1,422 |
| Net loans and leases to total assets | 24.2959% | 7,369 |
| Net loans and leases to deposits | 30.8173% | 7,346 |
| Net loans and leases to core deposits | 31.3655% | 7,364 |
| Total domestic deposits to total assets | 78.8387% | 6,229 |
| Equity capital to assets | 8.0000% | 6,491 |
| Core capital (leverage) ratio | 7.3742% | 6,812 |
| Tier 1 risk-based capital ratio | 15.5742% | 3,120 |
| Total risk-based capital ratio | 16.4054% | 3,301 |
| Memoranda: | ||
| Average total assets | $80,602,500 | 5,576 |
| Average earning assets | $75,247,500 | 5,504 |
| Average equity | $6,409,500 | 6,126 |
| Average total loans | $20,294,000 | 6,823 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 5,745 |
| Cost of funding earning assets | 1.6094% | 2,015 |
| Net interest margin | 3.1080% | 6,505 |
| Noninterest income to average assets | 0.2287% | 6,169 |
| Noninterest expense to average assets | 2.7986% | 4,614 |
| Loan and lease loss provision to assets | 0.2287% | 4,989 |
| Net operating income to assets | 0.0565% | 5,681 |
| Return on assets (ROA) | 0.7502% | 3,120 |
| Pretax return on assets | 0.7515% | 3,794 |
| Return on Equity (ROE) | 8.9283% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.1895% | 2,316 |
| Net charge-offs to loans | 0.7848% | 2,677 |
| Credit loss provision to net charge-offs | 113.0435% | 3,856 |
| Earnings coverage of net charge-offs (x) | 1.4161% | 4,699 |
| Efficiency ratio | 90.7128% | 1,265 |
| Assets per employee ($millions) | 4.0071% | 3,772 |
| Cash dividends to net income (ytd only)* | 41.8760% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 4,486 |
| Loan loss allowance to noncurrent loans | 91.7460% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 5,153 |
| Noncurrent loans to loans | 1.5308% | 4,198 |
| Net loans and leases to total assets | 25.3151% | 7,447 |
| Net loans and leases to deposits | 31.8313% | 7,432 |
| Net loans and leases to core deposits | 32.3965% | 7,445 |
| Total domestic deposits to total assets | 79.5288% | 5,961 |
| Equity capital to assets | 7.9035% | 6,582 |
| Core capital (leverage) ratio | 7.4451% | 6,749 |
| Tier 1 risk-based capital ratio | 15.1621% | 3,165 |
| Total risk-based capital ratio | 15.9112% | 3,409 |
| Memoranda: | ||
| Average total assets | $79,576,400 | 5,606 |
| Average earning assets | $73,134,200 | 5,567 |
| Average equity | $6,686,600 | 6,137 |
| Average total loans | $20,515,800 | 6,900 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 5,713 |
| Cost of funding earning assets | 1.7016% | 1,871 |
| Net interest margin | 3.0867% | 6,646 |
| Noninterest income to average assets | 0.2216% | 6,323 |
| Noninterest expense to average assets | 2.6285% | 5,204 |
| Loan and lease loss provision to assets | 0.2299% | 4,773 |
| Net operating income to assets | 0.1930% | 5,528 |
| Return on assets (ROA) | 0.9383% | 2,594 |
| Pretax return on assets | 0.9399% | 3,408 |
| Return on Equity (ROE) | 11.0013% | 1,787 |
| Retained earnings to average equity (ytd only) | 8.5413% | 1,226 |
| Net charge-offs to loans | 0.9690% | 2,058 |
| Credit loss provision to net charge-offs | 91.9463% | 4,692 |
| Earnings coverage of net charge-offs (x) | 1.6980% | 4,430 |
| Efficiency ratio | 86.0913% | 1,624 |
| Assets per employee ($millions) | 4.1355% | 3,584 |
| Cash dividends to net income (ytd only)* | 22.3612% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 4,824 |
| Loan loss allowance to noncurrent loans | 82.8479% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9660% | 5,153 |
| Noncurrent loans to loans | 1.5999% | 4,245 |
| Net loans and leases to total assets | 23.0420% | 7,579 |
| Net loans and leases to deposits | 29.3851% | 7,568 |
| Net loans and leases to core deposits | 29.7563% | 7,584 |
| Total domestic deposits to total assets | 78.4137% | 6,166 |
| Equity capital to assets | 9.3520% | 5,048 |
| Core capital (leverage) ratio | 7.3517% | 6,972 |
| Tier 1 risk-based capital ratio | 16.0502% | 2,738 |
| Total risk-based capital ratio | 16.7424% | 2,973 |
| Memoranda: | ||
| Average total assets | $79,435,000 | 5,677 |
| Average earning assets | $72,869,750 | 5,640 |
| Average equity | $6,774,750 | 6,187 |
| Average total loans | $20,500,500 | 6,988 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 5,299 |
| Cost of funding earning assets | 1.7903% | 1,683 |
| Net interest margin | 3.1323% | 6,513 |
| Noninterest income to average assets | 0.2170% | 6,369 |
| Noninterest expense to average assets | 2.7111% | 4,865 |
| Loan and lease loss provision to assets | 0.1915% | 4,965 |
| Net operating income to assets | 0.1838% | 5,620 |
| Return on assets (ROA) | 0.8424% | 2,923 |
| Pretax return on assets | 0.8450% | 3,726 |
| Return on Equity (ROE) | 10.2252% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.2252% | 797 |
| Net charge-offs to loans | 0.8136% | 2,212 |
| Credit loss provision to net charge-offs | 88.2353% | 4,471 |
| Earnings coverage of net charge-offs (x) | 1.7412% | 4,211 |
| Efficiency ratio | 87.7686% | 1,532 |
| Assets per employee ($millions) | 3.8966% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 4,885 |
| Loan loss allowance to noncurrent loans | 82.3718% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 5,020 |
| Noncurrent loans to loans | 1.5849% | 4,335 |
| Net loans and leases to total assets | 24.9307% | 7,625 |
| Net loans and leases to deposits | 32.0283% | 7,613 |
| Net loans and leases to core deposits | 32.4590% | 7,625 |
| Total domestic deposits to total assets | 77.8397% | 6,304 |
| Equity capital to assets | 9.1747% | 5,178 |
| Core capital (leverage) ratio | 7.4352% | 6,888 |
| Tier 1 risk-based capital ratio | 16.6372% | 2,426 |
| Total risk-based capital ratio | 17.3702% | 2,584 |
| Memoranda: | ||
| Average total assets | $78,343,330 | 5,747 |
| Average earning assets | $71,831,670 | 5,712 |
| Average equity | $6,454,670 | 6,315 |
| Average total loans | $20,896,000 | 7,017 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 5,809 |
| Cost of funding earning assets | 1.8400% | 1,697 |
| Net interest margin | 2.9810% | 6,871 |
| Noninterest income to average assets | 0.2444% | 6,198 |
| Noninterest expense to average assets | 2.6786% | 5,010 |
| Loan and lease loss provision to assets | 0.3565% | 3,237 |
| Net operating income to assets | -0.0720% | 6,400 |
| Return on assets (ROA) | 0.8657% | 2,776 |
| Pretax return on assets | 0.8708% | 3,576 |
| Return on Equity (ROE) | 11.1348% | 1,743 |
| Retained earnings to average equity (ytd only) | 11.1348% | 891 |
| Net charge-offs to loans | 1.4511% | 1,191 |
| Credit loss provision to net charge-offs | 89.7436% | 3,666 |
| Earnings coverage of net charge-offs (x) | 0.7051% | 4,398 |
| Efficiency ratio | 90.5336% | 1,388 |
| Assets per employee ($millions) | 4.1551% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 5,297 |
| Loan loss allowance to noncurrent loans | 70.8447% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1426% | 4,884 |
| Noncurrent loans to loans | 1.7457% | 4,132 |
| Net loans and leases to total assets | 26.3003% | 7,697 |
| Net loans and leases to deposits | 33.2112% | 7,678 |
| Net loans and leases to core deposits | 33.6428% | 7,690 |
| Total domestic deposits to total assets | 79.1908% | 6,033 |
| Equity capital to assets | 7.9890% | 6,666 |
| Core capital (leverage) ratio | 7.2199% | 7,090 |
| Tier 1 risk-based capital ratio | 16.5167% | 2,441 |
| Total risk-based capital ratio | 17.2737% | 2,605 |
| Memoranda: | ||
| Average total assets | $78,549,000 | 5,811 |
| Average earning assets | $71,520,000 | 5,798 |
| Average equity | $6,107,000 | 6,483 |
| Average total loans | $21,501,000 | 7,077 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2623% | 5,359 |
| Cost of funding earning assets | 2.0309% | 2,816 |
| Net interest margin | 3.2314% | 5,987 |
| Noninterest income to average assets | 0.1826% | 6,782 |
| Noninterest expense to average assets | 2.7236% | 5,283 |
| Loan and lease loss provision to assets | 0.1323% | 6,316 |
| Net operating income to assets | 0.3070% | 4,507 |
| Return on assets (ROA) | 0.8364% | 2,481 |
| Pretax return on assets | 0.8377% | 3,122 |
| Return on Equity (ROE) | 11.9268% | 1,181 |
| Retained earnings to average equity (ytd only) | 10.7001% | 303 |
| Net charge-offs to loans | 0.0121% | 7,052 |
| Credit loss provision to net charge-offs | 3,333.3333% | 104 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 255 |
| Efficiency ratio | 86.0728% | 2,104 |
| Assets per employee ($millions) | 4.1133% | 3,589 |
| Cash dividends to net income (ytd only)* | 10.2848% | 3,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 5,268 |
| Loan loss allowance to noncurrent loans | 45.9552% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1580% | 4,777 |
| Noncurrent loans to loans | 2.6434% | 2,909 |
| Net loans and leases to total assets | 27.7818% | 7,754 |
| Net loans and leases to deposits | 34.9365% | 7,745 |
| Net loans and leases to core deposits | 37.9614% | 7,792 |
| Total domestic deposits to total assets | 79.5207% | 5,841 |
| Equity capital to assets | 7.5583% | 6,978 |
| Core capital (leverage) ratio | 7.3507% | 6,938 |
| Tier 1 risk-based capital ratio | 16.2024% | 2,434 |
| Total risk-based capital ratio | 16.9886% | 2,568 |
| Memoranda: | ||
| Average total assets | $75,562,400 | 5,851 |
| Average earning assets | $69,722,600 | 5,820 |
| Average equity | $5,299,000 | 6,835 |
| Average total loans | $24,838,400 | 6,922 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 5,164 |
| Cost of funding earning assets | 2.0605% | 3,073 |
| Net interest margin | 3.2917% | 5,670 |
| Noninterest income to average assets | 0.2616% | 6,360 |
| Noninterest expense to average assets | 2.6910% | 5,369 |
| Loan and lease loss provision to assets | 0.1780% | 5,581 |
| Net operating income to assets | 0.4503% | 4,192 |
| Return on assets (ROA) | 0.7422% | 3,109 |
| Pretax return on assets | 0.7439% | 3,715 |
| Return on Equity (ROE) | 10.8022% | 1,676 |
| Retained earnings to average equity (ytd only) | 9.1183% | 815 |
| Net charge-offs to loans | -0.0104% | 7,689 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0289% | 2,706 |
| Assets per employee ($millions) | 3.8378% | 4,109 |
| Cash dividends to net income (ytd only)* | 15.5866% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,344 |
| Loan loss allowance to noncurrent loans | 39.4509% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 1.7562% | 3,727 |
| Noncurrent loans to loans | 2.9467% | 2,579 |
| Net loans and leases to total assets | 30.2404% | 7,799 |
| Net loans and leases to deposits | 38.2572% | 7,778 |
| Net loans and leases to core deposits | 41.6184% | 7,833 |
| Total domestic deposits to total assets | 79.0450% | 5,786 |
| Equity capital to assets | 7.7519% | 7,094 |
| Core capital (leverage) ratio | 6.6409% | 7,612 |
| Tier 1 risk-based capital ratio | 14.5234% | 3,267 |
| Total risk-based capital ratio | 15.3105% | 3,459 |
| Memoranda: | ||
| Average total assets | $74,915,000 | 5,911 |
| Average earning assets | $69,627,000 | 5,857 |
| Average equity | $5,147,000 | 6,953 |
| Average total loans | $25,553,250 | 6,937 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4129% | 5,075 |
| Cost of funding earning assets | 2.0997% | 3,265 |
| Net interest margin | 3.3132% | 5,507 |
| Noninterest income to average assets | 0.2961% | 6,140 |
| Noninterest expense to average assets | 2.5652% | 5,883 |
| Loan and lease loss provision to assets | 0.2692% | 4,429 |
| Net operating income to assets | 0.5383% | 3,945 |
| Return on assets (ROA) | 0.5518% | 3,994 |
| Pretax return on assets | 0.5545% | 4,457 |
| Return on Equity (ROE) | 8.4028% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.7385% | 2,145 |
| Net charge-offs to loans | -0.0076% | 7,579 |
| Credit loss provision to net charge-offs | -10,000.0000% | 7,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9968% | 3,687 |
| Assets per employee ($millions) | 3.8715% | 3,943 |
| Cash dividends to net income (ytd only)* | 31.7073% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,626 |
| Loan loss allowance to noncurrent loans | 128.3019% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 4,887 |
| Noncurrent loans to loans | 0.8550% | 5,512 |
| Net loans and leases to total assets | 33.3383% | 7,799 |
| Net loans and leases to deposits | 41.8846% | 7,760 |
| Net loans and leases to core deposits | 45.7954% | 7,836 |
| Total domestic deposits to total assets | 79.5957% | 5,592 |
| Equity capital to assets | 6.6193% | 7,779 |
| Core capital (leverage) ratio | 6.4690% | 7,808 |
| Tier 1 risk-based capital ratio | 14.7902% | 3,105 |
| Total risk-based capital ratio | 15.6239% | 3,255 |
| Memoranda: | ||
| Average total assets | $74,301,670 | 5,973 |
| Average earning assets | $69,057,330 | 5,919 |
| Average equity | $4,879,330 | 7,105 |
| Average total loans | $26,243,000 | 6,951 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4415% | 5,221 |
| Cost of funding earning assets | 2.1225% | 3,547 |
| Net interest margin | 3.3190% | 5,436 |
| Noninterest income to average assets | 0.3857% | 5,334 |
| Noninterest expense to average assets | 2.6944% | 5,037 |
| Loan and lease loss provision to assets | 0.5357% | 2,330 |
| Net operating income to assets | 0.2416% | 5,522 |
| Return on assets (ROA) | 0.2678% | 5,575 |
| Pretax return on assets | 0.2732% | 5,753 |
| Return on Equity (ROE) | 4.0946% | 4,889 |
| Retained earnings to average equity (ytd only) | -1.2284% | 5,937 |
| Net charge-offs to loans | -0.0297% | 7,550 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5039% | 3,251 |
| Assets per employee ($millions) | 3.9679% | 3,728 |
| Cash dividends to net income (ytd only)* | 130.0000% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 5,978 |
| Loan loss allowance to noncurrent loans | 150.2762% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 4,756 |
| Noncurrent loans to loans | 0.6829% | 5,700 |
| Net loans and leases to total assets | 34.7933% | 7,777 |
| Net loans and leases to deposits | 44.6599% | 7,704 |
| Net loans and leases to core deposits | 48.7538% | 7,816 |
| Total domestic deposits to total assets | 77.9072% | 6,050 |
| Equity capital to assets | 6.7289% | 7,796 |
| Core capital (leverage) ratio | 6.2391% | 7,959 |
| Tier 1 risk-based capital ratio | 12.7714% | 4,341 |
| Total risk-based capital ratio | 13.5153% | 4,645 |
| Memoranda: | ||
| Average total assets | $74,673,500 | 5,984 |
| Average earning assets | $69,540,000 | 5,926 |
| Average equity | $4,884,500 | 7,156 |
| Average total loans | $26,967,000 | 6,938 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8866% | 6,102 |
| Cost of funding earning assets | 2.4242% | 4,611 |
| Net interest margin | 3.4624% | 5,428 |
| Noninterest income to average assets | 0.2376% | 6,742 |
| Noninterest expense to average assets | 2.7989% | 4,820 |
| Loan and lease loss provision to assets | 0.1915% | 4,968 |
| Net operating income to assets | 0.4692% | 4,873 |
| Return on assets (ROA) | 0.6786% | 3,828 |
| Pretax return on assets | 0.6800% | 4,456 |
| Return on Equity (ROE) | 9.9551% | 2,277 |
| Retained earnings to average equity (ytd only) | 2.7665% | 3,459 |
| Net charge-offs to loans | 0.9802% | 1,264 |
| Credit loss provision to net charge-offs | 45.5830% | 6,396 |
| Earnings coverage of net charge-offs (x) | 1.5760% | 5,304 |
| Efficiency ratio | 80.8666% | 2,472 |
| Assets per employee ($millions) | 3.8924% | 3,756 |
| Cash dividends to net income (ytd only)* | 72.2101% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6234% | 7,627 |
| Loan loss allowance to noncurrent loans | 201.1765% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 4,688 |
| Noncurrent loans to loans | 0.3099% | 6,452 |
| Net loans and leases to total assets | 36.8598% | 7,802 |
| Net loans and leases to deposits | 46.1385% | 7,776 |
| Net loans and leases to core deposits | 50.6936% | 7,874 |
| Total domestic deposits to total assets | 79.8894% | 5,064 |
| Equity capital to assets | 6.3497% | 7,982 |
| Core capital (leverage) ratio | 6.5078% | 7,933 |
| Tier 1 risk-based capital ratio | 12.8826% | 4,174 |
| Total risk-based capital ratio | 13.3528% | 4,620 |
| Memoranda: | ||
| Average total assets | $67,348,000 | 6,109 |
| Average earning assets | $62,701,600 | 6,066 |
| Average equity | $4,590,600 | 7,305 |
| Average total loans | $28,872,000 | 6,777 |