Home > First National Bank in Frankfort > Performance and Condition Ratios
First National Bank in Frankfort, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 3,147 |
| Cost of funding earning assets | 1.7892% | 2,474 |
| Net interest margin | 3.1904% | 3,030 |
| Noninterest income to average assets | 0.2900% | 2,950 |
| Noninterest expense to average assets | 2.7162% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.5453% | 3,480 |
| Return on assets (ROA) | 0.5782% | 3,417 |
| Pretax return on assets | 0.5917% | 3,589 |
| Return on Equity (ROE) | 12.5800% | 1,595 |
| Retained earnings to average equity (ytd only) | 12.5800% | 695 |
| Net charge-offs to loans | -0.0557% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 82.9569% | 775 |
| Assets per employee ($millions) | 7.4424% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,093 |
| Loan loss allowance to noncurrent loans | 165.7480% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 1,658 |
| Noncurrent loans to loans | 0.8881% | 1,191 |
| Net loans and leases to total assets | 47.3300% | 3,709 |
| Net loans and leases to deposits | 50.1673% | 3,863 |
| Net loans and leases to core deposits | 56.0952% | 3,825 |
| Total domestic deposits to total assets | 94.3400% | 58 |
| Equity capital to assets | 5.0051% | 4,370 |
| Core capital (leverage) ratio | 10.5814% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $59,494,500 | 4,128 |
| Average earning assets | $55,667,000 | 4,107 |
| Average equity | $2,734,500 | 4,369 |
| Average total loans | $28,700,500 | 4,110 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 3,528 |
| Cost of funding earning assets | 1.8906% | 2,483 |
| Net interest margin | 2.8498% | 3,399 |
| Noninterest income to average assets | 0.2400% | 3,442 |
| Noninterest expense to average assets | 2.4373% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4490% | 3,587 |
| Return on assets (ROA) | 0.4864% | 3,527 |
| Pretax return on assets | 0.4899% | 3,669 |
| Return on Equity (ROE) | 10.5700% | 2,010 |
| Retained earnings to average equity (ytd only) | 6.8355% | 1,485 |
| Net charge-offs to loans | 0.0110% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 87.6667% | 878 |
| Efficiency ratio | 84.3546% | 772 |
| Assets per employee ($millions) | 7.4313% | 1,883 |
| Cash dividends to net income (ytd only)* | 35.3357% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 1,160 |
| Loan loss allowance to noncurrent loans | 164.8221% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 1,634 |
| Noncurrent loans to loans | 0.8785% | 1,139 |
| Net loans and leases to total assets | 47.7400% | 3,738 |
| Net loans and leases to deposits | 50.1644% | 3,912 |
| Net loans and leases to core deposits | 55.9988% | 3,885 |
| Total domestic deposits to total assets | 95.1700% | 49 |
| Equity capital to assets | 4.1867% | 4,414 |
| Core capital (leverage) ratio | 10.5677% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $58,179,800 | 4,159 |
| Average earning assets | $54,108,400 | 4,133 |
| Average equity | $2,677,200 | 4,390 |
| Average total loans | $27,279,200 | 4,141 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6988% | 3,555 |
| Cost of funding earning assets | 1.8860% | 2,505 |
| Net interest margin | 2.8128% | 3,433 |
| Noninterest income to average assets | 0.2400% | 3,438 |
| Noninterest expense to average assets | 2.4126% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.4355% | 3,615 |
| Return on assets (ROA) | 0.4770% | 3,552 |
| Pretax return on assets | 0.4770% | 3,686 |
| Return on Equity (ROE) | 10.1300% | 2,155 |
| Retained earnings to average equity (ytd only) | 5.2368% | 2,375 |
| Net charge-offs to loans | 0.0099% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 823 |
| Efficiency ratio | 84.7087% | 771 |
| Assets per employee ($millions) | 7.1840% | 2,017 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 1,062 |
| Loan loss allowance to noncurrent loans | 155.3903% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 1,476 |
| Noncurrent loans to loans | 0.9621% | 1,042 |
| Net loans and leases to total assets | 47.9200% | 3,729 |
| Net loans and leases to deposits | 52.1668% | 3,879 |
| Net loans and leases to core deposits | 57.9673% | 3,850 |
| Total domestic deposits to total assets | 91.8600% | 200 |
| Equity capital to assets | 5.7593% | 4,379 |
| Core capital (leverage) ratio | 10.7640% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $57,862,250 | 4,179 |
| Average earning assets | $53,658,000 | 4,159 |
| Average equity | $2,724,250 | 4,415 |
| Average total loans | $26,899,000 | 4,164 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6205% | 3,609 |
| Cost of funding earning assets | 2.1912% | 1,664 |
| Net interest margin | 2.4293% | 3,964 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 2.3831% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.1345% | 4,085 |
| Return on assets (ROA) | 0.1621% | 4,080 |
| Pretax return on assets | 0.1517% | 4,110 |
| Return on Equity (ROE) | 3.6000% | 3,797 |
| Retained earnings to average equity (ytd only) | -4.0572% | 4,279 |
| Net charge-offs to loans | -0.0301% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 95.0481% | 406 |
| Assets per employee ($millions) | 7.1204% | 1,994 |
| Cash dividends to net income (ytd only)* | 212.7660% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 843 |
| Loan loss allowance to noncurrent loans | 149.2958% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 1,344 |
| Noncurrent loans to loans | 1.0756% | 850 |
| Net loans and leases to total assets | 45.6100% | 3,847 |
| Net loans and leases to deposits | 49.8131% | 3,960 |
| Net loans and leases to core deposits | 56.2177% | 3,895 |
| Total domestic deposits to total assets | 91.5600% | 346 |
| Equity capital to assets | 4.3151% | 4,440 |
| Core capital (leverage) ratio | 10.9121% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $57,992,333 | 4,194 |
| Average earning assets | $53,760,000 | 4,175 |
| Average equity | $2,612,667 | 4,435 |
| Average total loans | $26,545,333 | 4,183 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6914% | 3,342 |
| Cost of funding earning assets | 1.3941% | 3,408 |
| Net interest margin | 3.2973% | 2,350 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 2.4065% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9015% | 2,229 |
| Return on assets (ROA) | 0.8546% | 2,392 |
| Pretax return on assets | 0.8683% | 2,749 |
| Return on Equity (ROE) | 18.5900% | 550 |
| Retained earnings to average equity (ytd only) | 18.5874% | 247 |
| Net charge-offs to loans | -0.0301% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.4280% | 1,904 |
| Assets per employee ($millions) | 7.1926% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 884 |
| Loan loss allowance to noncurrent loans | 118.5915% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 1,040 |
| Noncurrent loans to loans | 1.3344% | 610 |
| Net loans and leases to total assets | 45.5000% | 3,831 |
| Net loans and leases to deposits | 51.2027% | 3,881 |
| Net loans and leases to core deposits | 56.0103% | 3,903 |
| Total domestic deposits to total assets | 88.8700% | 1,140 |
| Equity capital to assets | 4.4890% | 4,440 |
| Core capital (leverage) ratio | 10.7031% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $58,507,000 | 4,211 |
| Average earning assets | $54,227,000 | 4,191 |
| Average equity | $2,690,000 | 4,455 |
| Average total loans | $26,615,500 | 4,204 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 3,683 |
| Cost of funding earning assets | 0.9103% | 3,499 |
| Net interest margin | 3.2587% | 2,736 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.2125% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9934% | 2,241 |
| Return on assets (ROA) | 1.0500% | 2,036 |
| Pretax return on assets | 1.0881% | 2,441 |
| Return on Equity (ROE) | 30.3900% | 176 |
| Retained earnings to average equity (ytd only) | 15.3476% | 309 |
| Net charge-offs to loans | 0.0040% | 2,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 594.0000% | 246 |
| Efficiency ratio | 68.2523% | 2,086 |
| Assets per employee ($millions) | 7.4341% | 1,780 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 876 |
| Loan loss allowance to noncurrent loans | 133.7580% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 1,063 |
| Noncurrent loans to loans | 1.1792% | 607 |
| Net loans and leases to total assets | 44.0700% | 3,898 |
| Net loans and leases to deposits | 50.7268% | 3,924 |
| Net loans and leases to core deposits | 54.5898% | 3,961 |
| Total domestic deposits to total assets | 86.8700% | 1,725 |
| Equity capital to assets | 4.7030% | 4,448 |
| Core capital (leverage) ratio | 10.6800% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $57,716,800 | 4,237 |
| Average earning assets | $53,610,800 | 4,212 |
| Average equity | $1,993,800 | 4,491 |
| Average total loans | $24,806,000 | 4,217 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0042% | 3,839 |
| Cost of funding earning assets | 0.8398% | 3,428 |
| Net interest margin | 3.1644% | 2,992 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.1765% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9600% | 2,483 |
| Return on assets (ROA) | 0.9916% | 2,375 |
| Pretax return on assets | 1.0266% | 2,778 |
| Return on Equity (ROE) | 31.6800% | 196 |
| Retained earnings to average equity (ytd only) | 16.8057% | 403 |
| Net charge-offs to loans | 0.0110% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 213.5000% | 573 |
| Efficiency ratio | 68.6490% | 1,943 |
| Assets per employee ($millions) | 7.1713% | 1,838 |
| Cash dividends to net income (ytd only)* | 46.9484% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 960 |
| Loan loss allowance to noncurrent loans | 126.9697% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 1,012 |
| Noncurrent loans to loans | 1.2296% | 634 |
| Net loans and leases to total assets | 46.0500% | 3,829 |
| Net loans and leases to deposits | 50.8107% | 3,904 |
| Net loans and leases to core deposits | 53.5274% | 3,950 |
| Total domestic deposits to total assets | 90.6300% | 769 |
| Equity capital to assets | 2.2486% | 4,535 |
| Core capital (leverage) ratio | 10.6484% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $57,277,750 | 4,254 |
| Average earning assets | $53,342,750 | 4,229 |
| Average equity | $1,793,000 | 4,523 |
| Average total loans | $24,350,500 | 4,244 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 4,022 |
| Cost of funding earning assets | 0.7707% | 3,295 |
| Net interest margin | 3.0262% | 3,365 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.1695% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8461% | 2,938 |
| Return on assets (ROA) | 0.8664% | 2,866 |
| Pretax return on assets | 0.8909% | 3,192 |
| Return on Equity (ROE) | 25.3000% | 367 |
| Retained earnings to average equity (ytd only) | 15.0969% | 551 |
| Net charge-offs to loans | -0.0595% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.3793% | 1,628 |
| Assets per employee ($millions) | 8.1423% | 1,256 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 610 |
| Loan loss allowance to noncurrent loans | 124.4186% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 891 |
| Noncurrent loans to loans | 1.4478% | 472 |
| Net loans and leases to total assets | 40.9400% | 4,007 |
| Net loans and leases to deposits | 45.5749% | 4,054 |
| Net loans and leases to core deposits | 47.5369% | 4,086 |
| Total domestic deposits to total assets | 89.8300% | 975 |
| Equity capital to assets | 3.5757% | 4,538 |
| Core capital (leverage) ratio | 10.7584% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $57,247,000 | 4,276 |
| Average earning assets | $53,201,667 | 4,252 |
| Average equity | $1,960,667 | 4,545 |
| Average total loans | $23,521,333 | 4,274 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 4,095 |
| Cost of funding earning assets | 0.6977% | 3,064 |
| Net interest margin | 2.9560% | 3,686 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.1753% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8157% | 3,147 |
| Return on assets (ROA) | 0.8087% | 3,121 |
| Pretax return on assets | 0.8157% | 3,437 |
| Return on Equity (ROE) | 24.1400% | 448 |
| Retained earnings to average equity (ytd only) | 3.3299% | 3,426 |
| Net charge-offs to loans | -0.0684% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.5581% | 1,489 |
| Assets per employee ($millions) | 7.1640% | 1,843 |
| Cash dividends to net income (ytd only)* | 86.2069% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8696% | 573 |
| Loan loss allowance to noncurrent loans | 118.0556% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 802 |
| Noncurrent loans to loans | 1.5837% | 408 |
| Net loans and leases to total assets | 38.9200% | 4,084 |
| Net loans and leases to deposits | 40.7278% | 4,201 |
| Net loans and leases to core deposits | 42.3508% | 4,217 |
| Total domestic deposits to total assets | 95.5700% | 68 |
| Equity capital to assets | 4.0585% | 4,536 |
| Core capital (leverage) ratio | 10.3693% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $57,372,500 | 4,333 |
| Average earning assets | $53,316,000 | 4,312 |
| Average equity | $1,922,000 | 4,612 |
| Average total loans | $23,401,500 | 4,338 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3463% | 3,480 |
| Cost of funding earning assets | 0.3186% | 2,733 |
| Net interest margin | 3.0277% | 3,370 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.7107% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6411% | 3,780 |
| Return on assets (ROA) | 0.6720% | 3,651 |
| Pretax return on assets | 0.6807% | 3,894 |
| Return on Equity (ROE) | 13.0800% | 1,784 |
| Retained earnings to average equity (ytd only) | 6.3218% | 2,524 |
| Net charge-offs to loans | -0.0398% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.6718% | 668 |
| Assets per employee ($millions) | 7.1791% | 1,842 |
| Cash dividends to net income (ytd only)* | 51.6796% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 731 |
| Loan loss allowance to noncurrent loans | 112.2667% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 764 |
| Noncurrent loans to loans | 1.5579% | 416 |
| Net loans and leases to total assets | 41.1800% | 4,021 |
| Net loans and leases to deposits | 42.8450% | 4,153 |
| Net loans and leases to core deposits | 43.5784% | 4,192 |
| Total domestic deposits to total assets | 96.1100% | 77 |
| Equity capital to assets | 2.6431% | 4,622 |
| Core capital (leverage) ratio | 10.5673% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $57,586,000 | 4,362 |
| Average earning assets | $53,671,000 | 4,334 |
| Average equity | $2,958,000 | 4,613 |
| Average total loans | $22,585,600 | 4,368 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2603% | 3,287 |
| Cost of funding earning assets | 0.2899% | 2,282 |
| Net interest margin | 2.9704% | 3,296 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.8251% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5808% | 3,884 |
| Return on assets (ROA) | 0.6039% | 3,785 |
| Pretax return on assets | 0.6039% | 3,982 |
| Return on Equity (ROE) | 10.4900% | 2,576 |
| Retained earnings to average equity (ytd only) | 2.4512% | 3,927 |
| Net charge-offs to loans | -0.0480% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.9484% | 608 |
| Assets per employee ($millions) | 7.0254% | 1,924 |
| Cash dividends to net income (ytd only)* | 76.6284% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 725 |
| Loan loss allowance to noncurrent loans | 106.8702% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 742 |
| Noncurrent loans to loans | 1.6858% | 387 |
| Net loans and leases to total assets | 40.7300% | 4,044 |
| Net loans and leases to deposits | 41.7071% | 4,185 |
| Net loans and leases to core deposits | 42.4235% | 4,212 |
| Total domestic deposits to total assets | 97.6600% | 58 |
| Equity capital to assets | 1.8771% | 4,663 |
| Core capital (leverage) ratio | 10.1757% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $57,624,250 | 4,398 |
| Average earning assets | $53,817,750 | 4,370 |
| Average equity | $3,318,000 | 4,632 |
| Average total loans | $22,214,250 | 4,405 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1552% | 3,174 |
| Cost of funding earning assets | 0.2798% | 1,911 |
| Net interest margin | 2.8754% | 3,234 |
| Noninterest income to average assets | 0.3374% | 3,134 |
| Noninterest expense to average assets | 2.2686% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7608% | 3,108 |
| Return on assets (ROA) | 0.7608% | 3,066 |
| Pretax return on assets | 0.7573% | 3,434 |
| Return on Equity (ROE) | 10.8537% | 2,032 |
| Retained earnings to average equity (ytd only) | 8.3981% | 1,475 |
| Net charge-offs to loans | -0.0458% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9716% | 1,391 |
| Assets per employee ($millions) | 6.9443% | 1,974 |
| Cash dividends to net income (ytd only)* | 22.6244% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9466% | 608 |
| Loan loss allowance to noncurrent loans | 102.2059% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 727 |
| Noncurrent loans to loans | 1.9046% | 345 |
| Net loans and leases to total assets | 37.8101% | 4,175 |
| Net loans and leases to deposits | 40.0882% | 4,263 |
| Net loans and leases to core deposits | 40.8102% | 4,301 |
| Total domestic deposits to total assets | 94.3172% | 230 |
| Equity capital to assets | 4.2103% | 4,599 |
| Core capital (leverage) ratio | 10.2554% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,098,000 | 4,434 |
| Average earning assets | $54,322,333 | 4,421 |
| Average equity | $4,072,333 | 4,612 |
| Average total loans | $21,848,000 | 4,466 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0567% | 3,092 |
| Cost of funding earning assets | 0.2812% | 1,806 |
| Net interest margin | 2.7755% | 3,210 |
| Noninterest income to average assets | 0.3234% | 3,167 |
| Noninterest expense to average assets | 2.3042% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6535% | 3,220 |
| Return on assets (ROA) | 0.6401% | 3,244 |
| Pretax return on assets | 0.5996% | 3,632 |
| Return on Equity (ROE) | 7.6939% | 2,806 |
| Retained earnings to average equity (ytd only) | 7.6939% | 1,674 |
| Net charge-offs to loans | -0.0363% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9838% | 1,228 |
| Assets per employee ($millions) | 7.3613% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 666 |
| Loan loss allowance to noncurrent loans | 98.5714% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 794 |
| Noncurrent loans to loans | 1.9904% | 374 |
| Net loans and leases to total assets | 35.1282% | 4,256 |
| Net loans and leases to deposits | 38.2491% | 4,315 |
| Net loans and leases to core deposits | 39.0992% | 4,335 |
| Total domestic deposits to total assets | 91.8407% | 639 |
| Equity capital to assets | 6.7923% | 4,301 |
| Core capital (leverage) ratio | 9.4431% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,370,000 | 4,448 |
| Average earning assets | $55,484,500 | 4,431 |
| Average equity | $4,939,000 | 4,567 |
| Average total loans | $22,061,000 | 4,480 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4849% | 2,700 |
| Cost of funding earning assets | 0.4175% | 1,414 |
| Net interest margin | 3.0674% | 3,004 |
| Noninterest income to average assets | 0.5745% | 2,260 |
| Noninterest expense to average assets | 2.2928% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1344% | 2,161 |
| Return on assets (ROA) | 1.3318% | 1,547 |
| Pretax return on assets | 1.3750% | 2,123 |
| Return on Equity (ROE) | 12.8641% | 1,499 |
| Retained earnings to average equity (ytd only) | 7.4485% | 1,744 |
| Net charge-offs to loans | -0.2355% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1853% | 2,232 |
| Assets per employee ($millions) | 7.4813% | 1,631 |
| Cash dividends to net income (ytd only)* | 42.0984% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 886 |
| Loan loss allowance to noncurrent loans | 92.5843% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 830 |
| Noncurrent loans to loans | 1.9330% | 409 |
| Net loans and leases to total assets | 37.7761% | 4,207 |
| Net loans and leases to deposits | 42.4439% | 4,254 |
| Net loans and leases to core deposits | 43.4021% | 4,288 |
| Total domestic deposits to total assets | 89.0025% | 1,516 |
| Equity capital to assets | 9.8212% | 2,830 |
| Core capital (leverage) ratio | 9.6508% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,964,600 | 4,479 |
| Average earning assets | $54,606,400 | 4,456 |
| Average equity | $6,001,200 | 4,529 |
| Average total loans | $22,510,000 | 4,529 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 2,400 |
| Cost of funding earning assets | 0.4464% | 1,380 |
| Net interest margin | 3.2085% | 2,705 |
| Noninterest income to average assets | 0.6702% | 1,934 |
| Noninterest expense to average assets | 2.2819% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3806% | 1,600 |
| Return on assets (ROA) | 1.4796% | 1,372 |
| Pretax return on assets | 1.5236% | 1,928 |
| Return on Equity (ROE) | 14.1022% | 1,360 |
| Retained earnings to average equity (ytd only) | 11.3392% | 985 |
| Net charge-offs to loans | -0.3038% | 4,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6155% | 2,754 |
| Assets per employee ($millions) | 7.2308% | 1,720 |
| Cash dividends to net income (ytd only)* | 19.5925% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 955 |
| Loan loss allowance to noncurrent loans | 89.9123% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 910 |
| Noncurrent loans to loans | 1.9873% | 446 |
| Net loans and leases to total assets | 38.9586% | 4,254 |
| Net loans and leases to deposits | 44.8558% | 4,281 |
| Net loans and leases to core deposits | 45.6962% | 4,334 |
| Total domestic deposits to total assets | 86.8530% | 2,405 |
| Equity capital to assets | 10.7216% | 2,243 |
| Core capital (leverage) ratio | 9.9751% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,493,250 | 4,541 |
| Average earning assets | $54,354,250 | 4,512 |
| Average equity | $6,032,000 | 4,591 |
| Average total loans | $22,382,250 | 4,584 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 1,705 |
| Cost of funding earning assets | 0.4648% | 1,416 |
| Net interest margin | 3.4790% | 1,921 |
| Noninterest income to average assets | 0.8505% | 1,389 |
| Noninterest expense to average assets | 2.1821% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9031% | 584 |
| Return on assets (ROA) | 2.0113% | 502 |
| Pretax return on assets | 2.0671% | 729 |
| Return on Equity (ROE) | 19.3127% | 513 |
| Retained earnings to average equity (ytd only) | 15.1289% | 414 |
| Net charge-offs to loans | -0.3334% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7380% | 3,959 |
| Assets per employee ($millions) | 7.1696% | 1,680 |
| Cash dividends to net income (ytd only)* | 21.6638% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 829 |
| Loan loss allowance to noncurrent loans | 70.2655% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 769 |
| Noncurrent loans to loans | 2.6155% | 305 |
| Net loans and leases to total assets | 36.9702% | 4,427 |
| Net loans and leases to deposits | 43.3259% | 4,407 |
| Net loans and leases to core deposits | 44.1596% | 4,451 |
| Total domestic deposits to total assets | 85.3305% | 2,975 |
| Equity capital to assets | 10.5933% | 2,321 |
| Core capital (leverage) ratio | 9.7183% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,375,667 | 4,569 |
| Average earning assets | $54,211,667 | 4,543 |
| Average equity | $5,975,333 | 4,620 |
| Average total loans | $22,194,333 | 4,624 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0572% | 3,971 |
| Cost of funding earning assets | 0.4726% | 1,575 |
| Net interest margin | 2.5846% | 4,177 |
| Noninterest income to average assets | 2.3839% | 284 |
| Noninterest expense to average assets | 2.1539% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6171% | 221 |
| Return on assets (ROA) | 2.7742% | 208 |
| Pretax return on assets | 2.8300% | 292 |
| Return on Equity (ROE) | 26.8692% | 209 |
| Retained earnings to average equity (ytd only) | 26.8692% | 108 |
| Net charge-offs to loans | -0.6047% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6532% | 4,545 |
| Assets per employee ($millions) | 7.2835% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 904 |
| Loan loss allowance to noncurrent loans | 83.0867% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 1,090 |
| Noncurrent loans to loans | 2.1454% | 473 |
| Net loans and leases to total assets | 37.1628% | 4,447 |
| Net loans and leases to deposits | 43.2734% | 4,455 |
| Net loans and leases to core deposits | 44.3739% | 4,485 |
| Total domestic deposits to total assets | 85.8790% | 2,778 |
| Equity capital to assets | 10.1497% | 2,552 |
| Core capital (leverage) ratio | 9.6984% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,385,000 | 4,591 |
| Average earning assets | $54,167,000 | 4,559 |
| Average equity | $5,925,000 | 4,645 |
| Average total loans | $22,490,500 | 4,645 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 3,654 |
| Cost of funding earning assets | 0.7142% | 1,650 |
| Net interest margin | 2.9574% | 3,990 |
| Noninterest income to average assets | 0.5010% | 2,631 |
| Noninterest expense to average assets | 2.3778% | 3,182 |
| Loan and lease loss provision to assets | 0.0196% | 4,143 |
| Net operating income to assets | 0.8204% | 3,013 |
| Return on assets (ROA) | 0.9022% | 2,823 |
| Pretax return on assets | 0.9531% | 3,209 |
| Return on Equity (ROE) | 8.2800% | 2,700 |
| Retained earnings to average equity (ytd only) | 4.2388% | 2,689 |
| Net charge-offs to loans | -0.0753% | 4,750 |
| Credit loss provision to net charge-offs | -55.5556% | 3,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8417% | 1,592 |
| Assets per employee ($millions) | 8.0717% | 1,017 |
| Cash dividends to net income (ytd only)* | 48.8069% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 1,382 |
| Loan loss allowance to noncurrent loans | 76.2208% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 1,208 |
| Noncurrent loans to loans | 2.0537% | 546 |
| Net loans and leases to total assets | 39.9543% | 4,442 |
| Net loans and leases to deposits | 46.8108% | 4,437 |
| Net loans and leases to core deposits | 48.0472% | 4,484 |
| Total domestic deposits to total assets | 85.3527% | 2,633 |
| Equity capital to assets | 10.5058% | 2,669 |
| Core capital (leverage) ratio | 9.5109% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,097,200 | 4,638 |
| Average earning assets | $47,744,800 | 4,618 |
| Average equity | $5,567,600 | 4,691 |
| Average total loans | $23,893,000 | 4,643 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 3,633 |
| Cost of funding earning assets | 0.7678% | 1,647 |
| Net interest margin | 3.0081% | 3,957 |
| Noninterest income to average assets | 0.5307% | 2,476 |
| Noninterest expense to average assets | 2.3988% | 3,138 |
| Loan and lease loss provision to assets | 0.0261% | 4,014 |
| Net operating income to assets | 0.8675% | 2,837 |
| Return on assets (ROA) | 0.9381% | 2,699 |
| Pretax return on assets | 0.9944% | 3,093 |
| Return on Equity (ROE) | 8.5226% | 2,593 |
| Retained earnings to average equity (ytd only) | 5.4788% | 2,335 |
| Net charge-offs to loans | -0.0829% | 4,791 |
| Credit loss provision to net charge-offs | -66.6667% | 3,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7147% | 1,675 |
| Assets per employee ($millions) | 7.4149% | 1,268 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,592 |
| Loan loss allowance to noncurrent loans | 73.3060% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 1,214 |
| Noncurrent loans to loans | 1.9557% | 624 |
| Net loans and leases to total assets | 47.2892% | 4,253 |
| Net loans and leases to deposits | 56.1748% | 4,248 |
| Net loans and leases to core deposits | 57.8101% | 4,312 |
| Total domestic deposits to total assets | 84.1823% | 2,757 |
| Equity capital to assets | 11.2785% | 2,164 |
| Core capital (leverage) ratio | 10.2044% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,746,000 | 4,678 |
| Average earning assets | $46,540,500 | 4,659 |
| Average equity | $5,475,500 | 4,721 |
| Average total loans | $24,132,750 | 4,663 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 3,697 |
| Cost of funding earning assets | 0.8118% | 1,770 |
| Net interest margin | 3.0596% | 3,991 |
| Noninterest income to average assets | 0.6242% | 2,040 |
| Noninterest expense to average assets | 2.3987% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0185% | 2,258 |
| Return on assets (ROA) | 1.0606% | 2,236 |
| Pretax return on assets | 1.1300% | 2,620 |
| Return on Equity (ROE) | 9.7208% | 2,073 |
| Retained earnings to average equity (ytd only) | 5.0474% | 2,454 |
| Net charge-offs to loans | -0.0670% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8525% | 2,113 |
| Assets per employee ($millions) | 7.2233% | 1,310 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,594 |
| Loan loss allowance to noncurrent loans | 67.3956% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 1,209 |
| Noncurrent loans to loans | 2.0740% | 632 |
| Net loans and leases to total assets | 47.2955% | 4,297 |
| Net loans and leases to deposits | 56.3438% | 4,281 |
| Net loans and leases to core deposits | 58.0338% | 4,355 |
| Total domestic deposits to total assets | 83.9408% | 2,762 |
| Equity capital to assets | 11.4135% | 2,026 |
| Core capital (leverage) ratio | 10.3286% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,026,667 | 4,704 |
| Average earning assets | $45,823,333 | 4,687 |
| Average equity | $5,349,333 | 4,761 |
| Average total loans | $23,876,333 | 4,692 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 3,742 |
| Cost of funding earning assets | 0.7733% | 2,526 |
| Net interest margin | 3.2444% | 3,740 |
| Noninterest income to average assets | 0.3896% | 3,171 |
| Noninterest expense to average assets | 2.4617% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8612% | 2,653 |
| Return on assets (ROA) | 0.8537% | 2,788 |
| Pretax return on assets | 0.9449% | 3,015 |
| Return on Equity (ROE) | 8.0179% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.0179% | 1,230 |
| Net charge-offs to loans | -0.0675% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0874% | 2,065 |
| Assets per employee ($millions) | 6.8846% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,524 |
| Loan loss allowance to noncurrent loans | 65.5577% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 1,230 |
| Noncurrent loans to loans | 2.2154% | 604 |
| Net loans and leases to total assets | 47.1676% | 4,378 |
| Net loans and leases to deposits | 55.9698% | 4,367 |
| Net loans and leases to core deposits | 57.7882% | 4,441 |
| Total domestic deposits to total assets | 84.2733% | 2,683 |
| Equity capital to assets | 10.4353% | 3,377 |
| Core capital (leverage) ratio | 10.4718% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,258,500 | 4,740 |
| Average earning assets | $45,001,000 | 4,722 |
| Average equity | $5,138,500 | 4,820 |
| Average total loans | $23,688,000 | 4,726 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 3,772 |
| Cost of funding earning assets | 0.8032% | 2,671 |
| Net interest margin | 3.4129% | 3,707 |
| Noninterest income to average assets | 0.4359% | 3,078 |
| Noninterest expense to average assets | 2.4447% | 3,587 |
| Loan and lease loss provision to assets | 0.1369% | 1,558 |
| Net operating income to assets | 1.0225% | 2,760 |
| Return on assets (ROA) | 1.6741% | 749 |
| Pretax return on assets | 1.7204% | 1,136 |
| Return on Equity (ROE) | 17.0725% | 410 |
| Retained earnings to average equity (ytd only) | 11.1669% | 309 |
| Net charge-offs to loans | 0.2092% | 984 |
| Credit loss provision to net charge-offs | 130.0000% | 1,966 |
| Earnings coverage of net charge-offs (x) | 11.2600% | 2,511 |
| Efficiency ratio | 67.3434% | 2,554 |
| Assets per employee ($millions) | 6.9036% | 1,083 |
| Cash dividends to net income (ytd only)* | 34.5912% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 1,667 |
| Loan loss allowance to noncurrent loans | 16,550.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,666 |
| Noncurrent loans to loans | 0.0082% | 4,560 |
| Net loans and leases to total assets | 49.6203% | 4,343 |
| Net loans and leases to deposits | 58.8355% | 4,338 |
| Net loans and leases to core deposits | 61.5193% | 4,365 |
| Total domestic deposits to total assets | 84.3373% | 2,739 |
| Equity capital to assets | 10.8598% | 3,126 |
| Core capital (leverage) ratio | 10.4773% | 2,975 |
| Tier 1 risk-based capital ratio | 17.5953% | 1,866 |
| Total risk-based capital ratio | 18.7559% | 1,843 |
| Memoranda: | ||
| Average total assets | $47,489,600 | 4,792 |
| Average earning assets | $44,449,600 | 4,776 |
| Average equity | $4,656,600 | 4,924 |
| Average total loans | $23,896,800 | 4,783 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 3,796 |
| Cost of funding earning assets | 0.7955% | 2,744 |
| Net interest margin | 3.4591% | 3,703 |
| Noninterest income to average assets | 0.4456% | 3,048 |
| Noninterest expense to average assets | 2.3716% | 3,762 |
| Loan and lease loss provision to assets | 0.1833% | 989 |
| Net operating income to assets | 1.0803% | 2,652 |
| Return on assets (ROA) | 1.0857% | 2,720 |
| Pretax return on assets | 1.1336% | 3,190 |
| Return on Equity (ROE) | 11.3850% | 1,848 |
| Retained earnings to average equity (ytd only) | 4.7315% | 3,039 |
| Net charge-offs to loans | 0.3026% | 577 |
| Credit loss provision to net charge-offs | 120.3704% | 1,947 |
| Earnings coverage of net charge-offs (x) | 8.6108% | 2,640 |
| Efficiency ratio | 64.3951% | 2,951 |
| Assets per employee ($millions) | 6.7689% | 1,125 |
| Cash dividends to net income (ytd only)* | 58.4411% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 1,772 |
| Loan loss allowance to noncurrent loans | 4,671.4286% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,680 |
| Noncurrent loans to loans | 0.0289% | 4,543 |
| Net loans and leases to total assets | 50.4580% | 4,401 |
| Net loans and leases to deposits | 59.4948% | 4,403 |
| Net loans and leases to core deposits | 62.2361% | 4,447 |
| Total domestic deposits to total assets | 84.8107% | 2,495 |
| Equity capital to assets | 10.2592% | 3,766 |
| Core capital (leverage) ratio | 9.7892% | 3,869 |
| Tier 1 risk-based capital ratio | 16.1866% | 2,366 |
| Total risk-based capital ratio | 17.3296% | 2,345 |
| Memoranda: | ||
| Average total assets | $47,280,750 | 4,864 |
| Average earning assets | $44,249,750 | 4,850 |
| Average equity | $4,508,750 | 5,006 |
| Average total loans | $23,793,500 | 4,857 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 3,720 |
| Cost of funding earning assets | 0.7703% | 2,802 |
| Net interest margin | 3.5028% | 3,585 |
| Noninterest income to average assets | 0.4783% | 2,796 |
| Noninterest expense to average assets | 2.3367% | 3,905 |
| Loan and lease loss provision to assets | 0.2751% | 539 |
| Net operating income to assets | 1.0882% | 2,571 |
| Return on assets (ROA) | 1.0964% | 2,601 |
| Pretax return on assets | 1.1472% | 3,088 |
| Return on Equity (ROE) | 11.7960% | 1,663 |
| Retained earnings to average equity (ytd only) | 8.3801% | 1,248 |
| Net charge-offs to loans | 0.4314% | 385 |
| Credit loss provision to net charge-offs | 127.4510% | 1,678 |
| Earnings coverage of net charge-offs (x) | 6.5490% | 2,555 |
| Efficiency ratio | 62.3025% | 3,383 |
| Assets per employee ($millions) | 6.8139% | 1,084 |
| Cash dividends to net income (ytd only)* | 28.9575% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,655 |
| Loan loss allowance to noncurrent loans | 4,714.2857% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 4,720 |
| Noncurrent loans to loans | 0.0295% | 4,571 |
| Net loans and leases to total assets | 49.0744% | 4,519 |
| Net loans and leases to deposits | 57.5790% | 4,534 |
| Net loans and leases to core deposits | 60.2001% | 4,566 |
| Total domestic deposits to total assets | 85.2297% | 2,374 |
| Equity capital to assets | 9.9000% | 4,061 |
| Core capital (leverage) ratio | 9.8208% | 3,799 |
| Tier 1 risk-based capital ratio | 16.6113% | 2,201 |
| Total risk-based capital ratio | 17.7892% | 2,175 |
| Memoranda: | ||
| Average total assets | $47,247,000 | 4,904 |
| Average earning assets | $44,136,330 | 4,895 |
| Average equity | $4,391,330 | 5,058 |
| Average total loans | $23,646,330 | 4,896 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 3,572 |
| Cost of funding earning assets | 0.7388% | 2,842 |
| Net interest margin | 3.5574% | 3,407 |
| Noninterest income to average assets | 0.6040% | 2,023 |
| Noninterest expense to average assets | 2.3649% | 3,861 |
| Loan and lease loss provision to assets | 0.5529% | 186 |
| Net operating income to assets | 0.9536% | 3,033 |
| Return on assets (ROA) | 0.9698% | 3,015 |
| Pretax return on assets | 1.0208% | 3,378 |
| Return on Equity (ROE) | 10.7903% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.7903% | 852 |
| Net charge-offs to loans | 1.0000% | 138 |
| Credit loss provision to net charge-offs | 110.1695% | 1,496 |
| Earnings coverage of net charge-offs (x) | 3.1017% | 2,431 |
| Efficiency ratio | 60.3037% | 3,764 |
| Assets per employee ($millions) | 6.7716% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 1,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 4,527 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.4230% | 4,564 |
| Net loans and leases to deposits | 56.3914% | 4,580 |
| Net loans and leases to core deposits | 58.9476% | 4,609 |
| Total domestic deposits to total assets | 85.8695% | 2,334 |
| Equity capital to assets | 9.1918% | 4,542 |
| Core capital (leverage) ratio | 9.7786% | 3,831 |
| Tier 1 risk-based capital ratio | 16.2710% | 2,346 |
| Total risk-based capital ratio | 17.4137% | 2,326 |
| Memoranda: | ||
| Average total assets | $47,022,000 | 4,956 |
| Average earning assets | $43,852,500 | 4,947 |
| Average equity | $4,226,000 | 5,119 |
| Average total loans | $23,601,000 | 4,958 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 3,154 |
| Cost of funding earning assets | 0.5483% | 3,059 |
| Net interest margin | 3.7402% | 2,901 |
| Noninterest income to average assets | 0.3972% | 3,457 |
| Noninterest expense to average assets | 2.4809% | 3,666 |
| Loan and lease loss provision to assets | 0.1553% | 1,350 |
| Net operating income to assets | 1.1938% | 2,203 |
| Return on assets (ROA) | 1.1938% | 2,201 |
| Pretax return on assets | 1.2427% | 2,729 |
| Return on Equity (ROE) | 13.0659% | 1,316 |
| Retained earnings to average equity (ytd only) | 2.8657% | 3,969 |
| Net charge-offs to loans | 0.0691% | 2,127 |
| Credit loss provision to net charge-offs | 437.5000% | 774 |
| Earnings coverage of net charge-offs (x) | 39.3750% | 1,331 |
| Efficiency ratio | 63.9588% | 3,202 |
| Assets per employee ($millions) | 6.6633% | 1,134 |
| Cash dividends to net income (ytd only)* | 78.0669% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 1,946 |
| Loan loss allowance to noncurrent loans | 5,266.6667% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,838 |
| Noncurrent loans to loans | 0.0251% | 4,666 |
| Net loans and leases to total assets | 50.6207% | 4,482 |
| Net loans and leases to deposits | 58.7002% | 4,545 |
| Net loans and leases to core deposits | 61.3942% | 4,567 |
| Total domestic deposits to total assets | 86.2359% | 2,119 |
| Equity capital to assets | 8.7795% | 4,748 |
| Core capital (leverage) ratio | 10.0703% | 3,497 |
| Tier 1 risk-based capital ratio | 15.7846% | 2,501 |
| Total risk-based capital ratio | 16.9003% | 2,479 |
| Memoranda: | ||
| Average total assets | $45,064,600 | 5,031 |
| Average earning assets | $41,950,000 | 5,015 |
| Average equity | $4,117,600 | 5,164 |
| Average total loans | $23,150,400 | 4,993 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 3,077 |
| Cost of funding earning assets | 0.5253% | 3,026 |
| Net interest margin | 3.7441% | 2,852 |
| Noninterest income to average assets | 0.3970% | 3,501 |
| Noninterest expense to average assets | 2.4356% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3910% | 1,521 |
| Return on assets (ROA) | 1.3939% | 1,509 |
| Pretax return on assets | 1.4536% | 2,048 |
| Return on Equity (ROE) | 15.1010% | 852 |
| Retained earnings to average equity (ytd only) | 4.9151% | 3,282 |
| Net charge-offs to loans | -0.2091% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6728% | 3,399 |
| Assets per employee ($millions) | 6.1547% | 1,379 |
| Cash dividends to net income (ytd only)* | 67.4520% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,376 |
| Loan loss allowance to noncurrent loans | 29,800.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,022 |
| Noncurrent loans to loans | 0.0042% | 4,923 |
| Net loans and leases to total assets | 54.7362% | 4,309 |
| Net loans and leases to deposits | 61.6991% | 4,456 |
| Net loans and leases to core deposits | 64.6773% | 4,478 |
| Total domestic deposits to total assets | 88.7148% | 948 |
| Equity capital to assets | 8.9943% | 4,555 |
| Core capital (leverage) ratio | 10.3151% | 3,274 |
| Tier 1 risk-based capital ratio | 16.2771% | 2,344 |
| Total risk-based capital ratio | 17.3538% | 2,349 |
| Memoranda: | ||
| Average total assets | $44,670,000 | 5,098 |
| Average earning assets | $41,629,250 | 5,081 |
| Average equity | $4,123,250 | 5,228 |
| Average total loans | $22,956,250 | 5,063 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 2,983 |
| Cost of funding earning assets | 0.4667% | 3,244 |
| Net interest margin | 3.7717% | 2,663 |
| Noninterest income to average assets | 0.2965% | 4,197 |
| Noninterest expense to average assets | 2.3054% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4372% | 1,320 |
| Return on assets (ROA) | 1.4160% | 1,381 |
| Pretax return on assets | 1.4735% | 1,912 |
| Return on Equity (ROE) | 15.2164% | 811 |
| Retained earnings to average equity (ytd only) | 9.7480% | 1,000 |
| Net charge-offs to loans | -0.2826% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6519% | 3,826 |
| Assets per employee ($millions) | 6.2954% | 1,271 |
| Cash dividends to net income (ytd only)* | 35.9375% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,204 |
| Loan loss allowance to noncurrent loans | 14,700.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 5,032 |
| Noncurrent loans to loans | 0.0088% | 4,918 |
| Net loans and leases to total assets | 50.9463% | 4,548 |
| Net loans and leases to deposits | 58.8601% | 4,596 |
| Net loans and leases to core deposits | 60.8709% | 4,662 |
| Total domestic deposits to total assets | 86.5549% | 2,031 |
| Equity capital to assets | 9.3537% | 4,239 |
| Core capital (leverage) ratio | 10.2209% | 3,338 |
| Tier 1 risk-based capital ratio | 16.5830% | 2,233 |
| Total risk-based capital ratio | 17.6526% | 2,240 |
| Memoranda: | ||
| Average total assets | $45,199,000 | 5,149 |
| Average earning assets | $41,997,330 | 5,129 |
| Average equity | $4,206,000 | 5,275 |
| Average total loans | $22,648,330 | 5,135 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 2,716 |
| Cost of funding earning assets | 0.4334% | 3,344 |
| Net interest margin | 3.8154% | 2,358 |
| Noninterest income to average assets | 0.3234% | 3,992 |
| Noninterest expense to average assets | 2.2900% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5096% | 1,060 |
| Return on assets (ROA) | 1.4509% | 1,199 |
| Pretax return on assets | 1.5121% | 1,657 |
| Return on Equity (ROE) | 15.6309% | 680 |
| Retained earnings to average equity (ytd only) | 15.6309% | 273 |
| Net charge-offs to loans | -0.2478% | 5,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2760% | 4,168 |
| Assets per employee ($millions) | 6.5706% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 47.5519% | 4,717 |
| Net loans and leases to deposits | 54.9178% | 4,749 |
| Net loans and leases to core deposits | 56.7812% | 4,804 |
| Total domestic deposits to total assets | 86.5874% | 2,276 |
| Equity capital to assets | 9.0468% | 4,505 |
| Core capital (leverage) ratio | 9.8522% | 3,710 |
| Tier 1 risk-based capital ratio | 16.1642% | 2,406 |
| Total risk-based capital ratio | 17.1512% | 2,456 |
| Memoranda: | ||
| Average total assets | $45,764,500 | 5,194 |
| Average earning assets | $42,459,000 | 5,175 |
| Average equity | $4,248,000 | 5,323 |
| Average total loans | $22,600,000 | 5,191 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 3,421 |
| Cost of funding earning assets | 0.4538% | 2,736 |
| Net interest margin | 3.5402% | 3,376 |
| Noninterest income to average assets | 0.3326% | 4,088 |
| Noninterest expense to average assets | 2.2901% | 4,359 |
| Loan and lease loss provision to assets | 0.2023% | 1,019 |
| Net operating income to assets | 1.0773% | 1,952 |
| Return on assets (ROA) | 1.2271% | 1,457 |
| Pretax return on assets | 1.2541% | 2,534 |
| Return on Equity (ROE) | 12.6900% | 1,028 |
| Retained earnings to average equity (ytd only) | 7.1120% | 1,037 |
| Net charge-offs to loans | 0.1866% | 1,351 |
| Credit loss provision to net charge-offs | 230.7692% | 1,200 |
| Earnings coverage of net charge-offs (x) | 14.8718% | 2,290 |
| Efficiency ratio | 63.7273% | 3,641 |
| Assets per employee ($millions) | 6.5050% | 1,206 |
| Cash dividends to net income (ytd only)* | 43.9560% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 3,137 |
| Loan loss allowance to noncurrent loans | 157.8313% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 3,402 |
| Noncurrent loans to loans | 0.7201% | 2,404 |
| Net loans and leases to total assets | 50.0516% | 4,645 |
| Net loans and leases to deposits | 57.5559% | 4,716 |
| Net loans and leases to core deposits | 59.5205% | 4,775 |
| Total domestic deposits to total assets | 86.9617% | 2,018 |
| Equity capital to assets | 9.5201% | 4,219 |
| Core capital (leverage) ratio | 9.7694% | 3,725 |
| Tier 1 risk-based capital ratio | 15.5769% | 2,593 |
| Total risk-based capital ratio | 16.5151% | 2,652 |
| Memoranda: | ||
| Average total assets | $44,495,000 | 5,263 |
| Average earning assets | $40,986,400 | 5,253 |
| Average equity | $4,302,600 | 5,374 |
| Average total loans | $20,904,200 | 5,289 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 3,554 |
| Cost of funding earning assets | 0.4549% | 2,671 |
| Net interest margin | 3.4853% | 3,550 |
| Noninterest income to average assets | 0.3466% | 4,060 |
| Noninterest expense to average assets | 2.3269% | 4,226 |
| Loan and lease loss provision to assets | 0.1809% | 1,105 |
| Net operating income to assets | 1.0328% | 2,401 |
| Return on assets (ROA) | 1.2298% | 1,607 |
| Pretax return on assets | 1.2479% | 2,720 |
| Return on Equity (ROE) | 12.6671% | 1,132 |
| Retained earnings to average equity (ytd only) | 7.6996% | 1,344 |
| Net charge-offs to loans | 0.1440% | 1,385 |
| Credit loss provision to net charge-offs | 272.7273% | 1,061 |
| Earnings coverage of net charge-offs (x) | 18.5472% | 2,038 |
| Efficiency ratio | 65.4237% | 3,308 |
| Assets per employee ($millions) | 6.3359% | 1,288 |
| Cash dividends to net income (ytd only)* | 39.2158% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,253 |
| Loan loss allowance to noncurrent loans | 197.6190% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 3,931 |
| Noncurrent loans to loans | 0.5766% | 2,961 |
| Net loans and leases to total assets | 48.7069% | 4,782 |
| Net loans and leases to deposits | 56.6982% | 4,829 |
| Net loans and leases to core deposits | 58.7091% | 4,885 |
| Total domestic deposits to total assets | 85.9056% | 2,342 |
| Equity capital to assets | 9.9389% | 3,978 |
| Core capital (leverage) ratio | 9.6977% | 3,938 |
| Tier 1 risk-based capital ratio | 15.7015% | 2,628 |
| Total risk-based capital ratio | 16.6124% | 2,710 |
| Memoranda: | ||
| Average total assets | $44,235,000 | 5,324 |
| Average earning assets | $40,741,250 | 5,315 |
| Average equity | $4,294,500 | 5,434 |
| Average total loans | $20,367,000 | 5,360 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 3,539 |
| Cost of funding earning assets | 0.4441% | 2,655 |
| Net interest margin | 3.4588% | 3,553 |
| Noninterest income to average assets | 0.3711% | 3,902 |
| Noninterest expense to average assets | 2.3396% | 4,245 |
| Loan and lease loss provision to assets | 0.1358% | 1,529 |
| Net operating income to assets | 1.0618% | 2,160 |
| Return on assets (ROA) | 1.3485% | 1,206 |
| Pretax return on assets | 1.3576% | 2,174 |
| Return on Equity (ROE) | 14.0016% | 810 |
| Retained earnings to average equity (ytd only) | 10.0078% | 583 |
| Net charge-offs to loans | -0.0302% | 4,960 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0281% | 3,347 |
| Assets per employee ($millions) | 6.3410% | 1,236 |
| Cash dividends to net income (ytd only)* | 28.5235% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 3,080 |
| Loan loss allowance to noncurrent loans | 1,161.9048% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 4,492 |
| Noncurrent loans to loans | 0.1024% | 4,718 |
| Net loans and leases to total assets | 45.6372% | 4,963 |
| Net loans and leases to deposits | 52.6101% | 5,034 |
| Net loans and leases to core deposits | 54.4558% | 5,069 |
| Total domestic deposits to total assets | 86.7461% | 2,068 |
| Equity capital to assets | 10.0390% | 3,870 |
| Core capital (leverage) ratio | 9.5430% | 4,077 |
| Tier 1 risk-based capital ratio | 16.5694% | 2,292 |
| Total risk-based capital ratio | 17.5189% | 2,347 |
| Memoranda: | ||
| Average total assets | $44,196,330 | 5,364 |
| Average earning assets | $40,534,000 | 5,359 |
| Average equity | $4,256,670 | 5,483 |
| Average total loans | $19,872,330 | 5,414 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 3,493 |
| Cost of funding earning assets | 0.4103% | 2,900 |
| Net interest margin | 3.4627% | 3,412 |
| Noninterest income to average assets | 0.4626% | 3,233 |
| Noninterest expense to average assets | 2.4761% | 3,890 |
| Loan and lease loss provision to assets | 0.2721% | 531 |
| Net operating income to assets | 0.8889% | 2,820 |
| Return on assets (ROA) | 1.4421% | 933 |
| Pretax return on assets | 1.4059% | 1,872 |
| Return on Equity (ROE) | 15.2995% | 613 |
| Retained earnings to average equity (ytd only) | 15.2995% | 222 |
| Net charge-offs to loans | -0.0409% | 5,085 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7657% | 3,087 |
| Assets per employee ($millions) | 6.5316% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,676 |
| Loan loss allowance to noncurrent loans | 405.0000% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 4,736 |
| Noncurrent loans to loans | 0.3141% | 3,998 |
| Net loans and leases to total assets | 41.2524% | 5,194 |
| Net loans and leases to deposits | 46.8934% | 5,271 |
| Net loans and leases to core deposits | 48.4622% | 5,283 |
| Total domestic deposits to total assets | 87.9705% | 1,734 |
| Equity capital to assets | 9.2146% | 4,601 |
| Core capital (leverage) ratio | 9.7367% | 3,829 |
| Tier 1 risk-based capital ratio | 16.6357% | 2,308 |
| Total risk-based capital ratio | 17.5972% | 2,359 |
| Memoranda: | ||
| Average total assets | $44,101,000 | 5,419 |
| Average earning assets | $39,969,000 | 5,433 |
| Average equity | $4,157,000 | 5,553 |
| Average total loans | $19,558,000 | 5,480 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,426 |
| Cost of funding earning assets | 0.4355% | 2,654 |
| Net interest margin | 3.5023% | 3,422 |
| Noninterest income to average assets | 0.3363% | 4,332 |
| Noninterest expense to average assets | 2.3635% | 4,389 |
| Loan and lease loss provision to assets | 0.0726% | 2,904 |
| Net operating income to assets | 1.1155% | 1,838 |
| Return on assets (ROA) | 1.1660% | 1,719 |
| Pretax return on assets | 1.2217% | 2,583 |
| Return on Equity (ROE) | 11.0530% | 1,562 |
| Retained earnings to average equity (ytd only) | -0.4128% | 5,365 |
| Net charge-offs to loans | 0.1785% | 1,538 |
| Credit loss provision to net charge-offs | 88.2353% | 2,835 |
| Earnings coverage of net charge-offs (x) | 15.0882% | 2,234 |
| Efficiency ratio | 65.5705% | 3,667 |
| Assets per employee ($millions) | 6.0687% | 1,426 |
| Cash dividends to net income (ytd only)* | 103.7344% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 3,984 |
| Loan loss allowance to noncurrent loans | 137.0130% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 3,831 |
| Noncurrent loans to loans | 0.7695% | 2,607 |
| Net loans and leases to total assets | 46.6114% | 4,979 |
| Net loans and leases to deposits | 53.3748% | 5,045 |
| Net loans and leases to core deposits | 55.3162% | 5,084 |
| Total domestic deposits to total assets | 87.3285% | 1,971 |
| Equity capital to assets | 9.6537% | 4,111 |
| Core capital (leverage) ratio | 9.6474% | 3,914 |
| Tier 1 risk-based capital ratio | 15.9772% | 2,554 |
| Total risk-based capital ratio | 16.8109% | 2,653 |
| Memoranda: | ||
| Average total assets | $41,337,200 | 5,518 |
| Average earning assets | $38,575,200 | 5,495 |
| Average equity | $4,360,800 | 5,582 |
| Average total loans | $19,050,200 | 5,546 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 3,430 |
| Cost of funding earning assets | 0.4457% | 2,594 |
| Net interest margin | 3.5031% | 3,454 |
| Noninterest income to average assets | 0.3443% | 4,324 |
| Noninterest expense to average assets | 2.3677% | 4,361 |
| Loan and lease loss provision to assets | 0.0650% | 2,930 |
| Net operating income to assets | 1.1241% | 1,898 |
| Return on assets (ROA) | 1.1920% | 1,761 |
| Pretax return on assets | 1.2504% | 2,619 |
| Return on Equity (ROE) | 11.0562% | 1,647 |
| Retained earnings to average equity (ytd only) | -0.9942% | 5,492 |
| Net charge-offs to loans | 0.0709% | 2,298 |
| Credit loss provision to net charge-offs | 200.0000% | 1,437 |
| Earnings coverage of net charge-offs (x) | 38.3083% | 1,276 |
| Efficiency ratio | 65.5576% | 3,669 |
| Assets per employee ($millions) | 5.8957% | 1,516 |
| Cash dividends to net income (ytd only)* | 108.9921% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 3,514 |
| Loan loss allowance to noncurrent loans | 125.6983% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 3,689 |
| Noncurrent loans to loans | 0.9187% | 2,408 |
| Net loans and leases to total assets | 46.6659% | 5,048 |
| Net loans and leases to deposits | 54.3702% | 5,091 |
| Net loans and leases to core deposits | 56.4416% | 5,124 |
| Total domestic deposits to total assets | 85.8299% | 2,442 |
| Equity capital to assets | 10.8675% | 3,177 |
| Core capital (leverage) ratio | 9.8194% | 3,790 |
| Tier 1 risk-based capital ratio | 16.2342% | 2,534 |
| Total risk-based capital ratio | 17.1408% | 2,608 |
| Memoranda: | ||
| Average total assets | $41,051,250 | 5,576 |
| Average earning assets | $38,289,250 | 5,557 |
| Average equity | $4,425,750 | 5,630 |
| Average total loans | $18,809,750 | 5,606 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,383 |
| Cost of funding earning assets | 0.4557% | 2,514 |
| Net interest margin | 3.5043% | 3,477 |
| Noninterest income to average assets | 0.3514% | 4,264 |
| Noninterest expense to average assets | 2.3964% | 4,344 |
| Loan and lease loss provision to assets | 0.0488% | 3,175 |
| Net operating income to assets | 1.1130% | 1,914 |
| Return on assets (ROA) | 1.2104% | 1,661 |
| Pretax return on assets | 1.2738% | 2,507 |
| Return on Equity (ROE) | 11.2574% | 1,556 |
| Retained earnings to average equity (ytd only) | -2.3604% | 5,568 |
| Net charge-offs to loans | -0.0323% | 5,159 |
| Credit loss provision to net charge-offs | -333.3333% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2618% | 3,643 |
| Assets per employee ($millions) | 5.8136% | 1,534 |
| Cash dividends to net income (ytd only)* | 120.9677% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 3,187 |
| Loan loss allowance to noncurrent loans | 265.1163% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 4,651 |
| Noncurrent loans to loans | 0.4642% | 3,705 |
| Net loans and leases to total assets | 44.9687% | 5,179 |
| Net loans and leases to deposits | 52.5741% | 5,222 |
| Net loans and leases to core deposits | 54.6122% | 5,246 |
| Total domestic deposits to total assets | 85.5338% | 2,630 |
| Equity capital to assets | 11.1586% | 2,892 |
| Core capital (leverage) ratio | 9.7178% | 3,904 |
| Tier 1 risk-based capital ratio | 16.7397% | 2,335 |
| Total risk-based capital ratio | 17.6918% | 2,392 |
| Memoranda: | ||
| Average total assets | $40,978,330 | 5,641 |
| Average earning assets | $38,182,000 | 5,624 |
| Average equity | $4,406,000 | 5,695 |
| Average total loans | $18,585,000 | 5,678 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 2,630 |
| Cost of funding earning assets | 0.4712% | 2,360 |
| Net interest margin | 3.6861% | 2,724 |
| Noninterest income to average assets | 0.4183% | 3,697 |
| Noninterest expense to average assets | 2.3346% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4202% | 1,008 |
| Return on assets (ROA) | 1.4202% | 1,059 |
| Pretax return on assets | 1.5078% | 1,558 |
| Return on Equity (ROE) | 13.4609% | 935 |
| Retained earnings to average equity (ytd only) | -4.9787% | 5,607 |
| Net charge-offs to loans | -0.0430% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7595% | 4,636 |
| Assets per employee ($millions) | 5.9623% | 1,428 |
| Cash dividends to net income (ytd only)* | 136.9863% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 3,617 |
| Loan loss allowance to noncurrent loans | 361.6667% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 4,998 |
| Noncurrent loans to loans | 0.3257% | 4,268 |
| Net loans and leases to total assets | 43.6218% | 5,267 |
| Net loans and leases to deposits | 50.5469% | 5,312 |
| Net loans and leases to core deposits | 52.5107% | 5,327 |
| Total domestic deposits to total assets | 86.2996% | 2,538 |
| Equity capital to assets | 10.4897% | 3,509 |
| Core capital (leverage) ratio | 9.5322% | 4,130 |
| Tier 1 risk-based capital ratio | 15.9981% | 2,685 |
| Total risk-based capital ratio | 16.8642% | 2,786 |
| Memoranda: | ||
| Average total assets | $41,120,000 | 5,692 |
| Average earning assets | $38,198,000 | 5,679 |
| Average equity | $4,338,500 | 5,753 |
| Average total loans | $18,613,500 | 5,730 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 3,631 |
| Cost of funding earning assets | 0.4439% | 2,693 |
| Net interest margin | 3.4778% | 3,607 |
| Noninterest income to average assets | 0.3910% | 4,101 |
| Noninterest expense to average assets | 2.4860% | 4,269 |
| Loan and lease loss provision to assets | 0.0246% | 3,894 |
| Net operating income to assets | 1.0780% | 2,015 |
| Return on assets (ROA) | 1.2369% | 1,484 |
| Pretax return on assets | 1.3032% | 2,275 |
| Return on Equity (ROE) | 11.8303% | 1,344 |
| Retained earnings to average equity (ytd only) | 6.3738% | 1,618 |
| Net charge-offs to loans | -0.0234% | 5,321 |
| Credit loss provision to net charge-offs | -250.0000% | 5,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1726% | 3,538 |
| Assets per employee ($millions) | 5.7863% | 1,546 |
| Cash dividends to net income (ytd only)* | 46.1233% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,792 |
| Loan loss allowance to noncurrent loans | 1,023.8095% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 5,468 |
| Noncurrent loans to loans | 0.1117% | 5,055 |
| Net loans and leases to total assets | 45.8942% | 5,171 |
| Net loans and leases to deposits | 53.2865% | 5,198 |
| Net loans and leases to core deposits | 55.4267% | 5,230 |
| Total domestic deposits to total assets | 86.1273% | 2,581 |
| Equity capital to assets | 10.6138% | 3,229 |
| Core capital (leverage) ratio | 9.8952% | 3,652 |
| Tier 1 risk-based capital ratio | 16.5952% | 2,429 |
| Total risk-based capital ratio | 17.4735% | 2,554 |
| Memoranda: | ||
| Average total assets | $40,667,800 | 5,750 |
| Average earning assets | $38,070,000 | 5,727 |
| Average equity | $4,251,800 | 5,809 |
| Average total loans | $17,101,200 | 5,826 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8686% | 3,857 |
| Cost of funding earning assets | 0.4566% | 2,624 |
| Net interest margin | 3.4120% | 3,904 |
| Noninterest income to average assets | 0.3963% | 4,113 |
| Noninterest expense to average assets | 2.4695% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0712% | 2,126 |
| Return on assets (ROA) | 1.2282% | 1,615 |
| Pretax return on assets | 1.3003% | 2,399 |
| Return on Equity (ROE) | 11.7922% | 1,434 |
| Retained earnings to average equity (ytd only) | 6.3835% | 2,028 |
| Net charge-offs to loans | -0.0080% | 4,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5455% | 3,440 |
| Assets per employee ($millions) | 5.8011% | 1,508 |
| Cash dividends to net income (ytd only)* | 45.8669% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 3,965 |
| Loan loss allowance to noncurrent loans | 117.4419% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 4,081 |
| Noncurrent loans to loans | 0.9745% | 2,541 |
| Net loans and leases to total assets | 42.9669% | 5,425 |
| Net loans and leases to deposits | 49.9285% | 5,471 |
| Net loans and leases to core deposits | 51.9255% | 5,503 |
| Total domestic deposits to total assets | 86.0569% | 2,497 |
| Equity capital to assets | 10.5718% | 3,518 |
| Core capital (leverage) ratio | 9.6742% | 4,066 |
| Tier 1 risk-based capital ratio | 17.6601% | 2,132 |
| Total risk-based capital ratio | 18.5532% | 2,210 |
| Memoranda: | ||
| Average total assets | $40,708,750 | 5,826 |
| Average earning assets | $38,255,750 | 5,801 |
| Average equity | $4,240,000 | 5,890 |
| Average total loans | $16,675,500 | 5,918 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8258% | 3,971 |
| Cost of funding earning assets | 0.4535% | 2,685 |
| Net interest margin | 3.3723% | 4,003 |
| Noninterest income to average assets | 0.4418% | 3,764 |
| Noninterest expense to average assets | 2.4103% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1296% | 1,837 |
| Return on assets (ROA) | 1.1389% | 1,888 |
| Pretax return on assets | 1.2174% | 2,707 |
| Return on Equity (ROE) | 10.9892% | 1,685 |
| Retained earnings to average equity (ytd only) | 5.6841% | 2,421 |
| Net charge-offs to loans | -0.0122% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6214% | 3,895 |
| Assets per employee ($millions) | 5.9701% | 1,382 |
| Cash dividends to net income (ytd only)* | 48.2759% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 3,868 |
| Loan loss allowance to noncurrent loans | 2,885.7143% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 5,827 |
| Noncurrent loans to loans | 0.0411% | 5,584 |
| Net loans and leases to total assets | 40.2431% | 5,614 |
| Net loans and leases to deposits | 47.0855% | 5,625 |
| Net loans and leases to core deposits | 48.9251% | 5,656 |
| Total domestic deposits to total assets | 85.4682% | 2,937 |
| Equity capital to assets | 9.8394% | 4,235 |
| Core capital (leverage) ratio | 9.4421% | 4,351 |
| Tier 1 risk-based capital ratio | 16.8650% | 2,460 |
| Total risk-based capital ratio | 17.7361% | 2,573 |
| Memoranda: | ||
| Average total assets | $40,742,330 | 5,890 |
| Average earning assets | $38,371,000 | 5,855 |
| Average equity | $4,222,330 | 5,956 |
| Average total loans | $16,350,670 | 5,989 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 3,871 |
| Cost of funding earning assets | 0.4531% | 2,741 |
| Net interest margin | 3.3824% | 3,908 |
| Noninterest income to average assets | 0.4973% | 3,304 |
| Noninterest expense to average assets | 2.3373% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2351% | 1,449 |
| Return on assets (ROA) | 1.2532% | 1,485 |
| Pretax return on assets | 1.3725% | 1,987 |
| Return on Equity (ROE) | 11.7826% | 1,401 |
| Retained earnings to average equity (ytd only) | 11.7826% | 596 |
| Net charge-offs to loans | 0.0250% | 2,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 382 |
| Efficiency ratio | 63.3423% | 4,581 |
| Assets per employee ($millions) | 5.8547% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 3,642 |
| Loan loss allowance to noncurrent loans | 454.5455% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 5,525 |
| Noncurrent loans to loans | 0.2767% | 4,793 |
| Net loans and leases to total assets | 38.3061% | 5,709 |
| Net loans and leases to deposits | 44.6553% | 5,729 |
| Net loans and leases to core deposits | 46.4261% | 5,736 |
| Total domestic deposits to total assets | 85.7819% | 3,055 |
| Equity capital to assets | 10.8167% | 3,178 |
| Core capital (leverage) ratio | 9.4742% | 4,319 |
| Tier 1 risk-based capital ratio | 17.7601% | 2,213 |
| Total risk-based capital ratio | 18.6670% | 2,284 |
| Memoranda: | ||
| Average total assets | $40,218,000 | 5,957 |
| Average earning assets | $37,961,500 | 5,924 |
| Average equity | $4,277,500 | 5,998 |
| Average total loans | $16,016,000 | 6,053 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 4,240 |
| Cost of funding earning assets | 0.4907% | 2,764 |
| Net interest margin | 3.3810% | 4,273 |
| Noninterest income to average assets | 0.4895% | 3,588 |
| Noninterest expense to average assets | 2.4662% | 4,648 |
| Loan and lease loss provision to assets | -0.1058% | 6,160 |
| Net operating income to assets | 1.2474% | 1,443 |
| Return on assets (ROA) | 1.3680% | 1,188 |
| Pretax return on assets | 1.4077% | 1,860 |
| Return on Equity (ROE) | 13.3110% | 1,076 |
| Retained earnings to average equity (ytd only) | 0.5664% | 5,514 |
| Net charge-offs to loans | -0.3502% | 6,349 |
| Credit loss provision to net charge-offs | 76.9231% | 2,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6834% | 3,946 |
| Assets per employee ($millions) | 5.6361% | 1,663 |
| Cash dividends to net income (ytd only)* | 95.7447% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 3,742 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 5,953 |
| Noncurrent loans to loans | 0.0558% | 5,656 |
| Net loans and leases to total assets | 40.3822% | 5,718 |
| Net loans and leases to deposits | 46.9680% | 5,747 |
| Net loans and leases to core deposits | 48.9012% | 5,767 |
| Total domestic deposits to total assets | 85.9783% | 2,856 |
| Equity capital to assets | 10.4479% | 3,551 |
| Core capital (leverage) ratio | 9.5829% | 4,128 |
| Tier 1 risk-based capital ratio | 17.1806% | 2,439 |
| Total risk-based capital ratio | 18.0920% | 2,525 |
| Memoranda: | ||
| Average total assets | $37,791,400 | 6,085 |
| Average earning assets | $35,255,600 | 6,056 |
| Average equity | $3,884,000 | 6,112 |
| Average total loans | $14,850,200 | 6,163 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 4,280 |
| Cost of funding earning assets | 0.4986% | 2,785 |
| Net interest margin | 3.3715% | 4,347 |
| Noninterest income to average assets | 0.5529% | 3,189 |
| Noninterest expense to average assets | 2.5185% | 4,466 |
| Loan and lease loss provision to assets | -0.1427% | 6,343 |
| Net operating income to assets | 1.2804% | 1,428 |
| Return on assets (ROA) | 1.4448% | 1,079 |
| Pretax return on assets | 1.4804% | 1,712 |
| Return on Equity (ROE) | 14.1192% | 961 |
| Retained earnings to average equity (ytd only) | 2.0918% | 5,005 |
| Net charge-offs to loans | -0.5873% | 6,475 |
| Credit loss provision to net charge-offs | 62.5000% | 2,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2785% | 3,811 |
| Assets per employee ($millions) | 5.3903% | 1,826 |
| Cash dividends to net income (ytd only)* | 85.1849% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 3,084 |
| Loan loss allowance to noncurrent loans | 1,331.2500% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 5,997 |
| Noncurrent loans to loans | 0.1066% | 5,614 |
| Net loans and leases to total assets | 39.2320% | 5,862 |
| Net loans and leases to deposits | 45.8865% | 5,868 |
| Net loans and leases to core deposits | 47.8721% | 5,890 |
| Total domestic deposits to total assets | 85.4977% | 3,115 |
| Equity capital to assets | 10.7177% | 3,272 |
| Core capital (leverage) ratio | 10.1857% | 3,428 |
| Tier 1 risk-based capital ratio | 18.6613% | 2,001 |
| Total risk-based capital ratio | 19.6997% | 2,032 |
| Memoranda: | ||
| Average total assets | $37,376,000 | 6,171 |
| Average earning assets | $34,761,500 | 6,142 |
| Average equity | $3,824,500 | 6,192 |
| Average total loans | $14,529,500 | 6,246 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8847% | 4,197 |
| Cost of funding earning assets | 0.5087% | 2,743 |
| Net interest margin | 3.3760% | 4,282 |
| Noninterest income to average assets | 0.4026% | 4,221 |
| Noninterest expense to average assets | 2.5606% | 4,378 |
| Loan and lease loss provision to assets | -0.2147% | 6,485 |
| Net operating income to assets | 1.1779% | 1,663 |
| Return on assets (ROA) | 1.4011% | 1,099 |
| Pretax return on assets | 1.4172% | 1,829 |
| Return on Equity (ROE) | 13.9151% | 973 |
| Retained earnings to average equity (ytd only) | 3.5188% | 3,961 |
| Net charge-offs to loans | -0.8909% | 6,565 |
| Credit loss provision to net charge-offs | 62.5000% | 2,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3824% | 3,271 |
| Assets per employee ($millions) | 5.3019% | 1,880 |
| Cash dividends to net income (ytd only)* | 74.7126% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 2,908 |
| Loan loss allowance to noncurrent loans | 322.7273% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 3,302 |
| Noncurrent loans to loans | 0.4642% | 4,606 |
| Net loans and leases to total assets | 37.7361% | 5,975 |
| Net loans and leases to deposits | 44.4744% | 5,957 |
| Net loans and leases to core deposits | 46.4480% | 5,975 |
| Total domestic deposits to total assets | 84.8490% | 3,582 |
| Equity capital to assets | 10.7213% | 3,174 |
| Core capital (leverage) ratio | 9.9644% | 3,663 |
| Tier 1 risk-based capital ratio | 19.0706% | 1,906 |
| Total risk-based capital ratio | 20.1304% | 1,915 |
| Memoranda: | ||
| Average total assets | $37,257,330 | 6,231 |
| Average earning assets | $34,597,000 | 6,205 |
| Average equity | $3,751,330 | 6,255 |
| Average total loans | $14,367,330 | 6,305 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 4,336 |
| Cost of funding earning assets | 0.5069% | 2,829 |
| Net interest margin | 3.3292% | 4,430 |
| Noninterest income to average assets | 0.4822% | 3,551 |
| Noninterest expense to average assets | 2.6146% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0072% | 2,187 |
| Return on assets (ROA) | 1.0072% | 2,249 |
| Pretax return on assets | 0.9644% | 3,463 |
| Return on Equity (ROE) | 10.3368% | 1,925 |
| Retained earnings to average equity (ytd only) | 2.0893% | 4,766 |
| Net charge-offs to loans | -0.2216% | 6,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0539% | 3,306 |
| Assets per employee ($millions) | 5.5129% | 1,699 |
| Cash dividends to net income (ytd only)* | 79.7872% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 3,419 |
| Loan loss allowance to noncurrent loans | 50.2551% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 3,224 |
| Noncurrent loans to loans | 2.8649% | 1,142 |
| Net loans and leases to total assets | 34.9469% | 6,127 |
| Net loans and leases to deposits | 40.4039% | 6,160 |
| Net loans and leases to core deposits | 42.0885% | 6,155 |
| Total domestic deposits to total assets | 86.4939% | 3,107 |
| Equity capital to assets | 9.8082% | 4,096 |
| Core capital (leverage) ratio | 9.8376% | 3,809 |
| Tier 1 risk-based capital ratio | 19.5124% | 1,831 |
| Total risk-based capital ratio | 20.5278% | 1,853 |
| Memoranda: | ||
| Average total assets | $37,329,500 | 6,296 |
| Average earning assets | $34,723,500 | 6,263 |
| Average equity | $3,637,500 | 6,318 |
| Average total loans | $14,442,000 | 6,365 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 4,832 |
| Cost of funding earning assets | 0.5682% | 2,941 |
| Net interest margin | 3.2280% | 4,902 |
| Noninterest income to average assets | 0.4530% | 4,072 |
| Noninterest expense to average assets | 2.5260% | 4,686 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8612% | 2,971 |
| Return on assets (ROA) | 1.2560% | 1,430 |
| Pretax return on assets | 1.3061% | 2,122 |
| Return on Equity (ROE) | 12.0111% | 1,415 |
| Retained earnings to average equity (ytd only) | 6.6964% | 1,580 |
| Net charge-offs to loans | 0.2149% | 2,741 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.7333% | 2,325 |
| Efficiency ratio | 73.8424% | 3,153 |
| Assets per employee ($millions) | 5.1527% | 2,010 |
| Cash dividends to net income (ytd only)* | 44.2478% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 4,457 |
| Loan loss allowance to noncurrent loans | 46.8828% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 1.3945% | 2,657 |
| Noncurrent loans to loans | 2.6380% | 1,409 |
| Net loans and leases to total assets | 41.6230% | 5,847 |
| Net loans and leases to deposits | 48.1927% | 5,885 |
| Net loans and leases to core deposits | 50.3505% | 5,908 |
| Total domestic deposits to total assets | 86.3678% | 3,063 |
| Equity capital to assets | 9.6759% | 4,188 |
| Core capital (leverage) ratio | 10.2407% | 3,229 |
| Tier 1 risk-based capital ratio | 18.2117% | 2,178 |
| Total risk-based capital ratio | 19.1198% | 2,252 |
| Memoranda: | ||
| Average total assets | $35,986,000 | 6,392 |
| Average earning assets | $33,086,000 | 6,373 |
| Average equity | $3,763,200 | 6,379 |
| Average total loans | $13,960,000 | 6,453 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7307% | 5,085 |
| Cost of funding earning assets | 0.5861% | 2,939 |
| Net interest margin | 3.1446% | 5,165 |
| Noninterest income to average assets | 0.4338% | 4,277 |
| Noninterest expense to average assets | 2.6247% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6596% | 4,070 |
| Return on assets (ROA) | 1.1863% | 1,748 |
| Pretax return on assets | 1.2419% | 2,539 |
| Return on Equity (ROE) | 11.1356% | 1,775 |
| Retained earnings to average equity (ytd only) | 6.9597% | 1,894 |
| Net charge-offs to loans | -0.0390% | 6,230 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1061% | 2,246 |
| Assets per employee ($millions) | 5.2601% | 1,881 |
| Cash dividends to net income (ytd only)* | 37.5006% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,346 |
| Loan loss allowance to noncurrent loans | 55.0868% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 1.3715% | 2,903 |
| Noncurrent loans to loans | 2.7732% | 1,509 |
| Net loans and leases to total assets | 38.8637% | 6,113 |
| Net loans and leases to deposits | 44.9943% | 6,158 |
| Net loans and leases to core deposits | 46.9611% | 6,174 |
| Total domestic deposits to total assets | 86.3746% | 3,040 |
| Equity capital to assets | 9.6548% | 4,350 |
| Core capital (leverage) ratio | 10.2382% | 3,348 |
| Tier 1 risk-based capital ratio | 18.9800% | 1,998 |
| Total risk-based capital ratio | 20.1133% | 1,991 |
| Memoranda: | ||
| Average total assets | $35,965,250 | 6,464 |
| Average earning assets | $32,987,000 | 6,447 |
| Average equity | $3,831,500 | 6,447 |
| Average total loans | $13,649,750 | 6,539 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 5,111 |
| Cost of funding earning assets | 0.6105% | 2,840 |
| Net interest margin | 3.1012% | 5,276 |
| Noninterest income to average assets | 0.4316% | 4,298 |
| Noninterest expense to average assets | 2.6626% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5838% | 4,381 |
| Return on assets (ROA) | 1.1323% | 1,920 |
| Pretax return on assets | 1.1939% | 2,705 |
| Return on Equity (ROE) | 10.2965% | 2,087 |
| Retained earnings to average equity (ytd only) | 5.1992% | 2,927 |
| Net charge-offs to loans | -0.0898% | 6,474 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1966% | 2,004 |
| Assets per employee ($millions) | 5.1790% | 1,901 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 2,807 |
| Loan loss allowance to noncurrent loans | 40.8759% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 1.5116% | 2,833 |
| Noncurrent loans to loans | 4.1374% | 923 |
| Net loans and leases to total assets | 35.9170% | 6,306 |
| Net loans and leases to deposits | 41.8534% | 6,334 |
| Net loans and leases to core deposits | 43.7240% | 6,342 |
| Total domestic deposits to total assets | 85.8163% | 3,467 |
| Equity capital to assets | 10.1536% | 3,722 |
| Core capital (leverage) ratio | 10.1648% | 3,276 |
| Tier 1 risk-based capital ratio | 19.8041% | 1,765 |
| Total risk-based capital ratio | 21.0296% | 1,748 |
| Memoranda: | ||
| Average total assets | $35,680,000 | 6,517 |
| Average earning assets | $32,761,000 | 6,498 |
| Average equity | $3,923,670 | 6,471 |
| Average total loans | $13,355,670 | 6,587 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7143% | 5,112 |
| Cost of funding earning assets | 0.6374% | 2,765 |
| Net interest margin | 3.0768% | 5,341 |
| Noninterest income to average assets | 0.4521% | 4,110 |
| Noninterest expense to average assets | 2.8141% | 3,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4408% | 4,955 |
| Return on assets (ROA) | 0.4408% | 5,118 |
| Pretax return on assets | 0.4747% | 5,345 |
| Return on Equity (ROE) | 3.8566% | 5,168 |
| Retained earnings to average equity (ytd only) | -6.0321% | 6,421 |
| Net charge-offs to loans | -0.1790% | 6,655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5670% | 1,571 |
| Assets per employee ($millions) | 5.0919% | 2,105 |
| Cash dividends to net income (ytd only)* | 256.4103% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7795% | 2,694 |
| Loan loss allowance to noncurrent loans | 43.9216% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 1.4309% | 3,117 |
| Noncurrent loans to loans | 4.0515% | 1,109 |
| Net loans and leases to total assets | 34.6884% | 6,381 |
| Net loans and leases to deposits | 40.9797% | 6,381 |
| Net loans and leases to core deposits | 42.2831% | 6,392 |
| Total domestic deposits to total assets | 84.6478% | 4,201 |
| Equity capital to assets | 11.1887% | 2,753 |
| Core capital (leverage) ratio | 9.5775% | 3,961 |
| Tier 1 risk-based capital ratio | 19.6588% | 1,862 |
| Total risk-based capital ratio | 20.9099% | 1,839 |
| Memoranda: | ||
| Average total assets | $35,393,500 | 6,585 |
| Average earning assets | $32,631,000 | 6,563 |
| Average equity | $4,045,000 | 6,501 |
| Average total loans | $13,411,000 | 6,644 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 5,011 |
| Cost of funding earning assets | 0.7309% | 3,247 |
| Net interest margin | 3.3512% | 5,068 |
| Noninterest income to average assets | 0.5544% | 3,547 |
| Noninterest expense to average assets | 2.5291% | 4,995 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0608% | 2,084 |
| Return on assets (ROA) | 1.4518% | 1,117 |
| Pretax return on assets | 1.5289% | 1,599 |
| Return on Equity (ROE) | 12.7523% | 1,294 |
| Retained earnings to average equity (ytd only) | 4.5938% | 2,991 |
| Net charge-offs to loans | 0.0449% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 65.1667% | 552 |
| Efficiency ratio | 69.3574% | 3,921 |
| Assets per employee ($millions) | 5.8573% | 1,389 |
| Cash dividends to net income (ytd only)* | 63.9764% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 3,608 |
| Loan loss allowance to noncurrent loans | 44.2191% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 3,299 |
| Noncurrent loans to loans | 3.4635% | 1,446 |
| Net loans and leases to total assets | 39.8816% | 6,177 |
| Net loans and leases to deposits | 48.6160% | 6,060 |
| Net loans and leases to core deposits | 50.2330% | 6,137 |
| Total domestic deposits to total assets | 82.0339% | 5,080 |
| Equity capital to assets | 11.6720% | 2,291 |
| Core capital (leverage) ratio | 9.8370% | 3,620 |
| Tier 1 risk-based capital ratio | 18.9425% | 1,973 |
| Total risk-based capital ratio | 20.1163% | 1,965 |
| Memoranda: | ||
| Average total assets | $34,992,200 | 6,630 |
| Average earning assets | $32,287,400 | 6,599 |
| Average equity | $3,983,600 | 6,572 |
| Average total loans | $13,369,000 | 6,719 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 5,000 |
| Cost of funding earning assets | 0.7492% | 3,360 |
| Net interest margin | 3.3981% | 5,042 |
| Noninterest income to average assets | 0.5798% | 3,408 |
| Noninterest expense to average assets | 2.5976% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0566% | 2,262 |
| Return on assets (ROA) | 1.5639% | 1,022 |
| Pretax return on assets | 1.6478% | 1,421 |
| Return on Equity (ROE) | 13.8252% | 1,145 |
| Retained earnings to average equity (ytd only) | 6.2382% | 2,532 |
| Net charge-offs to loans | -0.0101% | 6,366 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9897% | 3,686 |
| Assets per employee ($millions) | 5.8848% | 1,316 |
| Cash dividends to net income (ytd only)* | 54.8779% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 2,738 |
| Loan loss allowance to noncurrent loans | 205.5046% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 5,924 |
| Noncurrent loans to loans | 0.8841% | 4,662 |
| Net loans and leases to total assets | 34.2830% | 6,642 |
| Net loans and leases to deposits | 40.7713% | 6,650 |
| Net loans and leases to core deposits | 42.0853% | 6,666 |
| Total domestic deposits to total assets | 84.0862% | 4,175 |
| Equity capital to assets | 11.5976% | 2,649 |
| Core capital (leverage) ratio | 9.8020% | 3,816 |
| Tier 1 risk-based capital ratio | 21.0602% | 1,510 |
| Total risk-based capital ratio | 22.3106% | 1,479 |
| Memoranda: | ||
| Average total assets | $34,954,250 | 6,718 |
| Average earning assets | $32,213,250 | 6,681 |
| Average equity | $3,954,000 | 6,657 |
| Average total loans | $13,152,750 | 6,823 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 4,748 |
| Cost of funding earning assets | 0.7620% | 3,504 |
| Net interest margin | 3.4912% | 4,711 |
| Noninterest income to average assets | 0.6660% | 2,862 |
| Noninterest expense to average assets | 2.6295% | 4,685 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1794% | 1,788 |
| Return on assets (ROA) | 1.7568% | 680 |
| Pretax return on assets | 1.8601% | 922 |
| Return on Equity (ROE) | 15.6642% | 825 |
| Retained earnings to average equity (ytd only) | 4.1464% | 3,850 |
| Net charge-offs to loans | 0.0596% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 54.2500% | 685 |
| Efficiency ratio | 67.8519% | 4,155 |
| Assets per employee ($millions) | 5.0733% | 2,072 |
| Cash dividends to net income (ytd only)* | 73.5294% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 3,051 |
| Loan loss allowance to noncurrent loans | 211.5385% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 6,034 |
| Noncurrent loans to loans | 0.8244% | 4,868 |
| Net loans and leases to total assets | 34.9055% | 6,673 |
| Net loans and leases to deposits | 41.3145% | 6,685 |
| Net loans and leases to core deposits | 42.6287% | 6,707 |
| Total domestic deposits to total assets | 84.4874% | 4,106 |
| Equity capital to assets | 11.2100% | 2,888 |
| Core capital (leverage) ratio | 9.7600% | 3,767 |
| Tier 1 risk-based capital ratio | 20.4209% | 1,600 |
| Total risk-based capital ratio | 21.6703% | 1,573 |
| Memoranda: | ||
| Average total assets | $34,836,000 | 6,770 |
| Average earning assets | $32,023,000 | 6,733 |
| Average equity | $3,907,000 | 6,711 |
| Average total loans | $13,427,330 | 6,859 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 4,272 |
| Cost of funding earning assets | 0.7797% | 3,629 |
| Net interest margin | 3.6345% | 4,112 |
| Noninterest income to average assets | 0.7189% | 2,559 |
| Noninterest expense to average assets | 2.5741% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4791% | 1,062 |
| Return on assets (ROA) | 2.1219% | 391 |
| Pretax return on assets | 2.1451% | 591 |
| Return on Equity (ROE) | 18.9147% | 459 |
| Retained earnings to average equity (ytd only) | 11.1628% | 991 |
| Net charge-offs to loans | -0.0578% | 6,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2479% | 5,057 |
| Assets per employee ($millions) | 4.9706% | 2,286 |
| Cash dividends to net income (ytd only)* | 40.9836% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 37.2047% | 6,546 |
| Net loans and leases to deposits | 44.5335% | 6,525 |
| Net loans and leases to core deposits | 46.0758% | 6,565 |
| Total domestic deposits to total assets | 83.5431% | 4,695 |
| Equity capital to assets | 11.1226% | 2,781 |
| Core capital (leverage) ratio | 9.8083% | 3,630 |
| Tier 1 risk-based capital ratio | 20.6948% | 1,545 |
| Total risk-based capital ratio | 21.9451% | 1,518 |
| Memoranda: | ||
| Average total assets | $34,497,500 | 6,833 |
| Average earning assets | $31,806,000 | 6,800 |
| Average equity | $3,870,000 | 6,759 |
| Average total loans | $13,833,000 | 6,908 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7246% | 4,147 |
| Cost of funding earning assets | 0.9443% | 3,755 |
| Net interest margin | 3.7803% | 3,923 |
| Noninterest income to average assets | 0.4317% | 4,363 |
| Noninterest expense to average assets | 2.6533% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1819% | 1,560 |
| Return on assets (ROA) | 1.8019% | 494 |
| Pretax return on assets | 1.8438% | 740 |
| Return on Equity (ROE) | 16.8830% | 485 |
| Retained earnings to average equity (ytd only) | 6.3487% | 1,831 |
| Net charge-offs to loans | -0.1791% | 7,204 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6579% | 4,218 |
| Assets per employee ($millions) | 4.8859% | 2,336 |
| Cash dividends to net income (ytd only)* | 62.3960% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 3,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 41.7327% | 6,408 |
| Net loans and leases to deposits | 49.6073% | 6,389 |
| Net loans and leases to core deposits | 51.3380% | 6,462 |
| Total domestic deposits to total assets | 84.1262% | 4,271 |
| Equity capital to assets | 11.3155% | 2,671 |
| Core capital (leverage) ratio | 9.7044% | 3,740 |
| Tier 1 risk-based capital ratio | 19.3873% | 1,798 |
| Total risk-based capital ratio | 20.6429% | 1,764 |
| Memoranda: | ||
| Average total assets | $33,354,400 | 6,881 |
| Average earning assets | $30,288,400 | 6,860 |
| Average equity | $3,559,800 | 6,862 |
| Average total loans | $13,397,200 | 6,972 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7862% | 4,086 |
| Cost of funding earning assets | 0.9759% | 3,846 |
| Net interest margin | 3.8103% | 3,821 |
| Noninterest income to average assets | 0.4385% | 4,375 |
| Noninterest expense to average assets | 2.5948% | 5,096 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2816% | 1,429 |
| Return on assets (ROA) | 1.5126% | 987 |
| Pretax return on assets | 1.5327% | 1,569 |
| Return on Equity (ROE) | 14.3964% | 961 |
| Retained earnings to average equity (ytd only) | 6.7387% | 2,115 |
| Net charge-offs to loans | -0.1728% | 7,246 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6322% | 4,596 |
| Assets per employee ($millions) | 4.7551% | 2,548 |
| Cash dividends to net income (ytd only)* | 53.1916% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 3,502 |
| Loan loss allowance to noncurrent loans | 1,963.6364% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 6,926 |
| Noncurrent loans to loans | 0.0833% | 6,728 |
| Net loans and leases to total assets | 39.0374% | 6,708 |
| Net loans and leases to deposits | 47.0184% | 6,687 |
| Net loans and leases to core deposits | 48.7251% | 6,726 |
| Total domestic deposits to total assets | 83.0259% | 4,671 |
| Equity capital to assets | 12.2153% | 2,082 |
| Core capital (leverage) ratio | 9.8277% | 3,674 |
| Tier 1 risk-based capital ratio | 20.0954% | 1,662 |
| Total risk-based capital ratio | 21.3250% | 1,636 |
| Memoranda: | ||
| Average total assets | $33,142,750 | 6,950 |
| Average earning assets | $30,058,000 | 6,934 |
| Average equity | $3,482,250 | 6,939 |
| Average total loans | $13,122,500 | 7,056 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 4,695 |
| Cost of funding earning assets | 0.9980% | 3,960 |
| Net interest margin | 3.6637% | 4,445 |
| Noninterest income to average assets | 0.4714% | 4,097 |
| Noninterest expense to average assets | 2.6107% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1724% | 1,653 |
| Return on assets (ROA) | 1.4020% | 1,144 |
| Pretax return on assets | 1.3960% | 1,805 |
| Return on Equity (ROE) | 14.1133% | 955 |
| Retained earnings to average equity (ytd only) | 1.9467% | 5,004 |
| Net charge-offs to loans | -0.1527% | 7,256 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1200% | 4,303 |
| Assets per employee ($millions) | 4.8337% | 2,365 |
| Cash dividends to net income (ytd only)* | 86.2069% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 3,629 |
| Loan loss allowance to noncurrent loans | 475.0000% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 6,727 |
| Noncurrent loans to loans | 0.3405% | 6,238 |
| Net loans and leases to total assets | 37.5724% | 6,883 |
| Net loans and leases to deposits | 44.3487% | 6,910 |
| Net loans and leases to core deposits | 45.8937% | 6,944 |
| Total domestic deposits to total assets | 84.7204% | 4,006 |
| Equity capital to assets | 10.2347% | 3,837 |
| Core capital (leverage) ratio | 9.4940% | 3,967 |
| Tier 1 risk-based capital ratio | 19.5957% | 1,692 |
| Total risk-based capital ratio | 20.8435% | 1,663 |
| Memoranda: | ||
| Average total assets | $33,095,000 | 7,013 |
| Average earning assets | $29,860,330 | 7,002 |
| Average equity | $3,287,670 | 7,045 |
| Average total loans | $13,093,330 | 7,125 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 4,472 |
| Cost of funding earning assets | 1.0271% | 4,014 |
| Net interest margin | 3.6838% | 4,187 |
| Noninterest income to average assets | 0.5378% | 3,597 |
| Noninterest expense to average assets | 2.5791% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1940% | 1,539 |
| Return on assets (ROA) | 1.3935% | 1,116 |
| Pretax return on assets | 1.4546% | 1,584 |
| Return on Equity (ROE) | 14.2500% | 946 |
| Retained earnings to average equity (ytd only) | -10.7500% | 6,897 |
| Net charge-offs to loans | -0.3035% | 7,340 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4121% | 4,769 |
| Assets per employee ($millions) | 4.6726% | 2,621 |
| Cash dividends to net income (ytd only)* | 175.4386% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 3,438 |
| Loan loss allowance to noncurrent loans | 321.5385% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 6,660 |
| Noncurrent loans to loans | 0.5202% | 5,986 |
| Net loans and leases to total assets | 37.5627% | 6,927 |
| Net loans and leases to deposits | 44.0769% | 6,951 |
| Net loans and leases to core deposits | 45.6525% | 6,984 |
| Total domestic deposits to total assets | 85.2207% | 3,937 |
| Equity capital to assets | 9.5787% | 4,334 |
| Core capital (leverage) ratio | 9.2297% | 4,243 |
| Tier 1 risk-based capital ratio | 19.4706% | 1,704 |
| Total risk-based capital ratio | 20.7201% | 1,670 |
| Memoranda: | ||
| Average total assets | $32,724,500 | 7,079 |
| Average earning assets | $29,209,000 | 7,074 |
| Average equity | $3,200,000 | 7,105 |
| Average total loans | $13,179,000 | 7,177 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9096% | 4,981 |
| Cost of funding earning assets | 1.3640% | 3,489 |
| Net interest margin | 3.5456% | 5,054 |
| Noninterest income to average assets | 0.4479% | 4,528 |
| Noninterest expense to average assets | 2.6660% | 5,148 |
| Loan and lease loss provision to assets | 0.3954% | 3,746 |
| Net operating income to assets | 0.6285% | 3,541 |
| Return on assets (ROA) | 0.8835% | 2,590 |
| Pretax return on assets | 0.9206% | 3,195 |
| Return on Equity (ROE) | 8.4187% | 2,528 |
| Retained earnings to average equity (ytd only) | 1.7367% | 4,641 |
| Net charge-offs to loans | 1.9588% | 1,037 |
| Credit loss provision to net charge-offs | 47.9401% | 6,292 |
| Earnings coverage of net charge-offs (x) | 1.2734% | 4,829 |
| Efficiency ratio | 71.7373% | 3,848 |
| Assets per employee ($millions) | 4.6773% | 2,584 |
| Cash dividends to net income (ytd only)* | 79.3706% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 4,347 |
| Loan loss allowance to noncurrent loans | 947.6190% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 7,068 |
| Noncurrent loans to loans | 0.1515% | 6,766 |
| Net loans and leases to total assets | 41.7336% | 6,860 |
| Net loans and leases to deposits | 49.2414% | 6,893 |
| Net loans and leases to core deposits | 51.0041% | 6,943 |
| Total domestic deposits to total assets | 84.7531% | 3,971 |
| Equity capital to assets | 9.9783% | 3,768 |
| Core capital (leverage) ratio | 9.5494% | 3,645 |
| Tier 1 risk-based capital ratio | 18.5956% | 1,817 |
| Total risk-based capital ratio | 19.7919% | 1,797 |
| Memoranda: | ||
| Average total assets | $32,371,000 | 7,135 |
| Average earning assets | $29,839,600 | 7,095 |
| Average equity | $3,397,200 | 7,161 |
| Average total loans | $13,630,600 | 7,223 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 5,222 |
| Cost of funding earning assets | 1.4083% | 3,533 |
| Net interest margin | 3.5005% | 5,287 |
| Noninterest income to average assets | 0.4461% | 4,592 |
| Noninterest expense to average assets | 2.7055% | 4,857 |
| Loan and lease loss provision to assets | 0.5163% | 2,879 |
| Net operating income to assets | 0.4398% | 4,589 |
| Return on assets (ROA) | 0.7848% | 3,228 |
| Pretax return on assets | 0.8179% | 3,835 |
| Return on Equity (ROE) | 7.3863% | 3,159 |
| Retained earnings to average equity (ytd only) | -1.4383% | 6,089 |
| Net charge-offs to loans | 2.6621% | 613 |
| Credit loss provision to net charge-offs | 46.1255% | 5,946 |
| Earnings coverage of net charge-offs (x) | 0.8709% | 5,177 |
| Efficiency ratio | 73.5129% | 3,411 |
| Assets per employee ($millions) | 4.6656% | 2,657 |
| Cash dividends to net income (ytd only)* | 119.4726% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 4,080 |
| Loan loss allowance to noncurrent loans | 494.8718% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 7,060 |
| Noncurrent loans to loans | 0.2979% | 6,591 |
| Net loans and leases to total assets | 39.4929% | 7,104 |
| Net loans and leases to deposits | 48.8838% | 7,052 |
| Net loans and leases to core deposits | 50.7216% | 7,095 |
| Total domestic deposits to total assets | 80.7894% | 5,454 |
| Equity capital to assets | 11.0659% | 2,894 |
| Core capital (leverage) ratio | 9.2594% | 4,261 |
| Tier 1 risk-based capital ratio | 18.8030% | 1,794 |
| Total risk-based capital ratio | 20.0075% | 1,772 |
| Memoranda: | ||
| Average total assets | $32,278,500 | 7,220 |
| Average earning assets | $29,823,250 | 7,183 |
| Average equity | $3,429,750 | 7,246 |
| Average total loans | $13,572,500 | 7,319 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 5,259 |
| Cost of funding earning assets | 1.4362% | 3,632 |
| Net interest margin | 3.4966% | 5,262 |
| Noninterest income to average assets | 0.4417% | 4,592 |
| Noninterest expense to average assets | 2.7619% | 4,654 |
| Loan and lease loss provision to assets | 0.3421% | 3,683 |
| Net operating income to assets | 0.5564% | 4,053 |
| Return on assets (ROA) | 1.0699% | 2,021 |
| Pretax return on assets | 1.1135% | 2,738 |
| Return on Equity (ROE) | 10.2128% | 2,020 |
| Retained earnings to average equity (ytd only) | -3.2657% | 6,334 |
| Net charge-offs to loans | 1.9661% | 933 |
| Credit loss provision to net charge-offs | 40.7407% | 5,600 |
| Earnings coverage of net charge-offs (x) | 1.0963% | 4,696 |
| Efficiency ratio | 75.0000% | 3,263 |
| Assets per employee ($millions) | 4.5880% | 2,744 |
| Cash dividends to net income (ytd only)* | 131.9767% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 2,501 |
| Loan loss allowance to noncurrent loans | 133.6788% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 5,988 |
| Noncurrent loans to loans | 1.4008% | 4,601 |
| Net loans and leases to total assets | 42.0974% | 7,039 |
| Net loans and leases to deposits | 51.9580% | 6,978 |
| Net loans and leases to core deposits | 53.9312% | 7,038 |
| Total domestic deposits to total assets | 81.0219% | 5,392 |
| Equity capital to assets | 10.6831% | 3,184 |
| Core capital (leverage) ratio | 9.4268% | 3,923 |
| Tier 1 risk-based capital ratio | 17.9470% | 1,974 |
| Total risk-based capital ratio | 19.1994% | 1,939 |
| Memoranda: | ||
| Average total assets | $32,151,670 | 7,280 |
| Average earning assets | $29,800,670 | 7,235 |
| Average equity | $3,368,330 | 7,306 |
| Average total loans | $13,733,000 | 7,367 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 4,576 |
| Cost of funding earning assets | 1.4868% | 3,642 |
| Net interest margin | 3.6032% | 4,713 |
| Noninterest income to average assets | 0.4352% | 4,604 |
| Noninterest expense to average assets | 2.6982% | 4,917 |
| Loan and lease loss provision to assets | 0.6839% | 1,861 |
| Net operating income to assets | 0.3768% | 4,942 |
| Return on assets (ROA) | 1.3926% | 1,168 |
| Pretax return on assets | 1.4672% | 1,602 |
| Return on Equity (ROE) | 13.4252% | 1,164 |
| Retained earnings to average equity (ytd only) | -6.9524% | 6,733 |
| Net charge-offs to loans | 3.9094% | 343 |
| Credit loss provision to net charge-offs | 41.0448% | 4,625 |
| Earnings coverage of net charge-offs (x) | 0.6493% | 4,446 |
| Efficiency ratio | 71.3816% | 4,051 |
| Assets per employee ($millions) | 4.5916% | 2,815 |
| Cash dividends to net income (ytd only)* | 151.7857% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9652% | 2,274 |
| Loan loss allowance to noncurrent loans | 152.3529% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 6,181 |
| Noncurrent loans to loans | 1.2899% | 4,824 |
| Net loans and leases to total assets | 40.1979% | 7,241 |
| Net loans and leases to deposits | 49.2566% | 7,168 |
| Net loans and leases to core deposits | 51.6862% | 7,220 |
| Total domestic deposits to total assets | 81.6092% | 5,230 |
| Equity capital to assets | 10.0993% | 3,746 |
| Core capital (leverage) ratio | 9.0788% | 4,417 |
| Tier 1 risk-based capital ratio | 18.8081% | 1,766 |
| Total risk-based capital ratio | 20.0654% | 1,731 |
| Memoranda: | ||
| Average total assets | $32,169,500 | 7,372 |
| Average earning assets | $29,862,000 | 7,328 |
| Average equity | $3,337,000 | 7,397 |
| Average total loans | $13,710,500 | 7,459 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5687% | 3,761 |
| Cost of funding earning assets | 1.8853% | 3,536 |
| Net interest margin | 3.6834% | 4,205 |
| Noninterest income to average assets | 0.5480% | 4,040 |
| Noninterest expense to average assets | 2.7788% | 5,056 |
| Loan and lease loss provision to assets | 0.4642% | 4,050 |
| Net operating income to assets | 0.6857% | 2,994 |
| Return on assets (ROA) | 0.7414% | 2,851 |
| Pretax return on assets | 0.7705% | 3,343 |
| Return on Equity (ROE) | 7.2173% | 2,702 |
| Retained earnings to average equity (ytd only) | 5.3345% | 1,658 |
| Net charge-offs to loans | -0.4217% | 7,938 |
| Credit loss provision to net charge-offs | -240.0000% | 7,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2526% | 4,572 |
| Assets per employee ($millions) | 4.5997% | 2,766 |
| Cash dividends to net income (ytd only)* | 26.0870% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3733% | 1,382 |
| Loan loss allowance to noncurrent loans | 108.3333% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9690% | 5,168 |
| Noncurrent loans to loans | 2.1907% | 3,400 |
| Net loans and leases to total assets | 43.1828% | 7,166 |
| Net loans and leases to deposits | 53.2782% | 7,096 |
| Net loans and leases to core deposits | 67.0137% | 6,928 |
| Total domestic deposits to total assets | 81.0516% | 5,328 |
| Equity capital to assets | 10.6466% | 3,027 |
| Core capital (leverage) ratio | 9.5186% | 3,691 |
| Tier 1 risk-based capital ratio | 17.5270% | 2,015 |
| Total risk-based capital ratio | 18.7859% | 1,979 |
| Memoranda: | ||
| Average total assets | $31,020,400 | 7,440 |
| Average earning assets | $28,696,000 | 7,406 |
| Average equity | $3,186,800 | 7,537 |
| Average total loans | $14,228,400 | 7,488 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6624% | 3,513 |
| Cost of funding earning assets | 1.9814% | 3,463 |
| Net interest margin | 3.6811% | 4,155 |
| Noninterest income to average assets | 0.4817% | 4,655 |
| Noninterest expense to average assets | 2.8076% | 4,865 |
| Loan and lease loss provision to assets | 0.6249% | 2,891 |
| Net operating income to assets | 0.4327% | 4,267 |
| Return on assets (ROA) | 0.5077% | 4,033 |
| Pretax return on assets | 0.5294% | 4,424 |
| Return on Equity (ROE) | 4.9896% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.1985% | 3,524 |
| Net charge-offs to loans | -0.2437% | 7,985 |
| Credit loss provision to net charge-offs | -553.8462% | 7,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2905% | 4,193 |
| Assets per employee ($millions) | 4.4471% | 2,944 |
| Cash dividends to net income (ytd only)* | 35.8974% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1321% | 1,541 |
| Loan loss allowance to noncurrent loans | 91.5663% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0665% | 4,943 |
| Noncurrent loans to loans | 2.3285% | 3,230 |
| Net loans and leases to total assets | 44.8249% | 7,188 |
| Net loans and leases to deposits | 55.7825% | 7,106 |
| Net loans and leases to core deposits | 70.8865% | 6,915 |
| Total domestic deposits to total assets | 80.3566% | 5,310 |
| Equity capital to assets | 10.9765% | 3,029 |
| Core capital (leverage) ratio | 9.7432% | 3,581 |
| Tier 1 risk-based capital ratio | 17.1962% | 2,217 |
| Total risk-based capital ratio | 18.4532% | 2,161 |
| Memoranda: | ||
| Average total assets | $30,726,000 | 7,514 |
| Average earning assets | $28,397,000 | 7,484 |
| Average equity | $3,126,500 | 7,626 |
| Average total loans | $14,225,000 | 7,556 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5707% | 4,213 |
| Cost of funding earning assets | 2.0881% | 3,327 |
| Net interest margin | 3.4826% | 4,878 |
| Noninterest income to average assets | 0.4773% | 4,651 |
| Noninterest expense to average assets | 2.6936% | 5,407 |
| Loan and lease loss provision to assets | 0.4511% | 3,280 |
| Net operating income to assets | 0.5277% | 3,989 |
| Return on assets (ROA) | 0.6407% | 3,605 |
| Pretax return on assets | 0.6669% | 4,110 |
| Return on Equity (ROE) | 6.4694% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.1491% | 2,428 |
| Net charge-offs to loans | 0.0704% | 5,521 |
| Credit loss provision to net charge-offs | 1,380.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 30.6000% | 987 |
| Efficiency ratio | 72.9204% | 4,224 |
| Assets per employee ($millions) | 4.3106% | 3,099 |
| Cash dividends to net income (ytd only)* | 20.4082% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 3,623 |
| Loan loss allowance to noncurrent loans | 61.4907% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.0671% | 4,834 |
| Noncurrent loans to loans | 2.3086% | 3,127 |
| Net loans and leases to total assets | 45.5690% | 7,226 |
| Net loans and leases to deposits | 56.3663% | 7,139 |
| Net loans and leases to core deposits | 69.3289% | 7,058 |
| Total domestic deposits to total assets | 80.8444% | 5,128 |
| Equity capital to assets | 10.1975% | 3,722 |
| Core capital (leverage) ratio | 9.6719% | 3,670 |
| Tier 1 risk-based capital ratio | 17.7331% | 2,081 |
| Total risk-based capital ratio | 18.9205% | 2,052 |
| Memoranda: | ||
| Average total assets | $30,591,330 | 7,580 |
| Average earning assets | $28,255,000 | 7,554 |
| Average equity | $3,029,670 | 7,718 |
| Average total loans | $14,214,000 | 7,638 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6214% | 4,231 |
| Cost of funding earning assets | 2.2205% | 3,057 |
| Net interest margin | 3.4010% | 5,139 |
| Noninterest income to average assets | 0.5065% | 4,268 |
| Noninterest expense to average assets | 2.8312% | 4,420 |
| Loan and lease loss provision to assets | 0.7013% | 1,809 |
| Net operating income to assets | 0.1127% | 5,943 |
| Return on assets (ROA) | 0.3247% | 5,369 |
| Pretax return on assets | 0.3377% | 5,565 |
| Return on Equity (ROE) | 3.3267% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.3267% | 4,027 |
| Net charge-offs to loans | 0.0558% | 4,687 |
| Credit loss provision to net charge-offs | 2,700.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,019 |
| Efficiency ratio | 77.5801% | 3,244 |
| Assets per employee ($millions) | 4.3823% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 3,883 |
| Loan loss allowance to noncurrent loans | 411.1111% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 7,132 |
| Noncurrent loans to loans | 0.3248% | 6,626 |
| Net loans and leases to total assets | 44.5658% | 7,297 |
| Net loans and leases to deposits | 55.5280% | 7,182 |
| Net loans and leases to core deposits | 67.9102% | 7,138 |
| Total domestic deposits to total assets | 80.2582% | 5,255 |
| Equity capital to assets | 10.0502% | 3,944 |
| Core capital (leverage) ratio | 9.1748% | 4,443 |
| Tier 1 risk-based capital ratio | 16.5848% | 2,482 |
| Total risk-based capital ratio | 17.6413% | 2,499 |
| Memoranda: | ||
| Average total assets | $30,800,000 | 7,614 |
| Average earning assets | $28,462,500 | 7,594 |
| Average equity | $3,006,000 | 7,784 |
| Average total loans | $14,347,000 | 7,666 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1331% | 4,878 |
| Cost of funding earning assets | 2.7277% | 3,028 |
| Net interest margin | 3.4054% | 5,640 |
| Noninterest income to average assets | 0.4735% | 4,846 |
| Noninterest expense to average assets | 2.2865% | 6,739 |
| Loan and lease loss provision to assets | 1.9314% | 644 |
| Net operating income to assets | -0.5626% | 6,969 |
| Return on assets (ROA) | -4.0309% | 7,977 |
| Pretax return on assets | -4.2490% | 7,935 |
| Return on Equity (ROE) | -44.0076% | 8,108 |
| Retained earnings to average equity (ytd only) | -47.4765% | 8,120 |
| Net charge-offs to loans | 4.6154% | 118 |
| Credit loss provision to net charge-offs | 90.3790% | 5,674 |
| Earnings coverage of net charge-offs (x) | 0.6239% | 5,848 |
| Efficiency ratio | 63.1670% | 5,744 |
| Assets per employee ($millions) | 4.4177% | 2,757 |
| Cash dividends to net income (ytd only)* | -7.8825% | 7,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 6,663 |
| Loan loss allowance to noncurrent loans | 144.0860% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 6,397 |
| Noncurrent loans to loans | 0.6268% | 5,489 |
| Net loans and leases to total assets | 47.5488% | 7,218 |
| Net loans and leases to deposits | 61.4819% | 6,993 |
| Net loans and leases to core deposits | 76.7673% | 6,814 |
| Total domestic deposits to total assets | 77.3380% | 5,910 |
| Equity capital to assets | 9.4716% | 4,730 |
| Core capital (leverage) ratio | 8.4051% | 5,750 |
| Tier 1 risk-based capital ratio | 14.8230% | 3,139 |
| Total risk-based capital ratio | 15.5299% | 3,326 |
| Memoranda: | ||
| Average total assets | $32,101,800 | 7,556 |
| Average earning assets | $29,658,800 | 7,531 |
| Average equity | $2,940,400 | 7,854 |
| Average total loans | $14,863,400 | 7,659 |