Home > First National Bank of Benton > Performance and Condition Ratios
First National Bank of Benton, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 1,498 |
| Cost of funding earning assets | 0.5408% | 1,154 |
| Net interest margin | 3.5485% | 1,785 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 3.1666% | 760 |
| Loan and lease loss provision to assets | -1.1800% | 4,706 |
| Net operating income to assets | 2.1895% | 216 |
| Return on assets (ROA) | 2.1895% | 209 |
| Pretax return on assets | 2.4037% | 230 |
| Return on Equity (ROE) | 13.4100% | 1,681 |
| Retained earnings to average equity (ytd only) | 13.1825% | 484 |
| Net charge-offs to loans | 0.0040% | 2,307 |
| Credit loss provision to net charge-offs | -47,250.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | 487.0000% | 337 |
| Efficiency ratio | 72.1873% | 1,419 |
| Assets per employee ($millions) | 6.3752% | 2,442 |
| Cash dividends to net income (ytd only)* | 1.7162% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 1,793 |
| Loan loss allowance to noncurrent loans | 148.0167% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 870 |
| Noncurrent loans to loans | 0.8937% | 830 |
| Net loans and leases to total assets | 63.8100% | 2,263 |
| Net loans and leases to deposits | 78.6822% | 1,880 |
| Net loans and leases to core deposits | 79.3873% | 2,172 |
| Total domestic deposits to total assets | 81.1000% | 3,742 |
| Equity capital to assets | 16.7429% | 347 |
| Core capital (leverage) ratio | 16.0191% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $79,834,400 | 4,135 |
| Average earning assets | $78,398,600 | 4,058 |
| Average equity | $13,032,400 | 3,568 |
| Average total loans | $49,552,800 | 3,902 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 1,792 |
| Cost of funding earning assets | 0.4649% | 909 |
| Net interest margin | 3.3247% | 2,215 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.1347% | 3,115 |
| Loan and lease loss provision to assets | -1.6200% | 4,747 |
| Net operating income to assets | 2.6978% | 129 |
| Return on assets (ROA) | 2.6978% | 125 |
| Pretax return on assets | 3.0030% | 136 |
| Return on Equity (ROE) | 16.6400% | 863 |
| Retained earnings to average equity (ytd only) | 16.3263% | 255 |
| Net charge-offs to loans | 0.0055% | 1,970 |
| Credit loss provision to net charge-offs | -48,000.0000% | 4,762 |
| Earnings coverage of net charge-offs (x) | 410.5000% | 374 |
| Efficiency ratio | 60.6612% | 3,031 |
| Assets per employee ($millions) | 6.2696% | 2,516 |
| Cash dividends to net income (ytd only)* | 1.8750% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 1,909 |
| Loan loss allowance to noncurrent loans | 162.9108% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 1,040 |
| Noncurrent loans to loans | 0.8138% | 979 |
| Net loans and leases to total assets | 63.3700% | 2,155 |
| Net loans and leases to deposits | 79.0435% | 1,629 |
| Net loans and leases to core deposits | 79.7711% | 1,917 |
| Total domestic deposits to total assets | 80.1700% | 4,084 |
| Equity capital to assets | 16.7744% | 330 |
| Core capital (leverage) ratio | 17.5735% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $79,073,750 | 4,172 |
| Average earning assets | $77,720,000 | 4,092 |
| Average equity | $12,821,500 | 3,630 |
| Average total loans | $48,542,000 | 3,936 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5226% | 2,065 |
| Cost of funding earning assets | 0.4527% | 684 |
| Net interest margin | 3.0699% | 2,649 |
| Noninterest income to average assets | 0.2709% | 3,547 |
| Noninterest expense to average assets | 2.0929% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9200% | 2,488 |
| Return on assets (ROA) | 0.9200% | 2,458 |
| Pretax return on assets | 1.1934% | 2,098 |
| Return on Equity (ROE) | 5.7425% | 3,643 |
| Retained earnings to average equity (ytd only) | 5.2640% | 2,604 |
| Net charge-offs to loans | -0.0254% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6858% | 2,810 |
| Assets per employee ($millions) | 5.6746% | 3,056 |
| Cash dividends to net income (ytd only)* | 8.3333% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3554% | 103 |
| Loan loss allowance to noncurrent loans | 382.0690% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 1,038 |
| Noncurrent loans to loans | 0.8782% | 964 |
| Net loans and leases to total assets | 60.2563% | 2,294 |
| Net loans and leases to deposits | 75.9082% | 1,691 |
| Net loans and leases to core deposits | 76.6312% | 1,963 |
| Total domestic deposits to total assets | 79.3804% | 4,278 |
| Equity capital to assets | 15.8262% | 345 |
| Core capital (leverage) ratio | 16.0497% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,263,333 | 4,220 |
| Average earning assets | $76,874,667 | 4,159 |
| Average equity | $12,538,000 | 3,730 |
| Average total loans | $47,274,333 | 4,007 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2920% | 2,407 |
| Cost of funding earning assets | 0.4508% | 655 |
| Net interest margin | 2.8412% | 3,008 |
| Noninterest income to average assets | 0.2884% | 3,395 |
| Noninterest expense to average assets | 2.0857% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7725% | 2,759 |
| Return on assets (ROA) | 0.7725% | 2,751 |
| Pretax return on assets | 0.9939% | 2,457 |
| Return on Equity (ROE) | 4.7921% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.7921% | 2,669 |
| Net charge-offs to loans | -0.0520% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7258% | 2,540 |
| Assets per employee ($millions) | 5.6535% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5234% | 102 |
| Loan loss allowance to noncurrent loans | 401.4493% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 1,147 |
| Noncurrent loans to loans | 0.8777% | 1,062 |
| Net loans and leases to total assets | 57.4966% | 2,354 |
| Net loans and leases to deposits | 72.3797% | 1,751 |
| Net loans and leases to core deposits | 73.0712% | 2,013 |
| Total domestic deposits to total assets | 79.4375% | 4,318 |
| Equity capital to assets | 15.8006% | 331 |
| Core capital (leverage) ratio | 16.0462% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,673,000 | 4,246 |
| Average earning assets | $76,306,500 | 4,184 |
| Average equity | $12,520,500 | 3,808 |
| Average total loans | $46,145,500 | 4,038 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 2,852 |
| Cost of funding earning assets | 0.4663% | 1,088 |
| Net interest margin | 2.9639% | 3,285 |
| Noninterest income to average assets | 0.3212% | 3,486 |
| Noninterest expense to average assets | 2.1028% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8935% | 3,066 |
| Return on assets (ROA) | 0.8935% | 3,124 |
| Pretax return on assets | 1.1324% | 2,876 |
| Return on Equity (ROE) | 5.3079% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.0633% | 2,757 |
| Net charge-offs to loans | -0.0617% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9979% | 2,401 |
| Assets per employee ($millions) | 5.8613% | 2,896 |
| Cash dividends to net income (ytd only)* | 4.6083% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6701% | 83 |
| Loan loss allowance to noncurrent loans | 257.1429% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 696 |
| Noncurrent loans to loans | 1.4273% | 651 |
| Net loans and leases to total assets | 57.0429% | 2,475 |
| Net loans and leases to deposits | 72.5711% | 1,860 |
| Net loans and leases to core deposits | 73.6158% | 2,111 |
| Total domestic deposits to total assets | 78.6028% | 4,348 |
| Equity capital to assets | 16.4508% | 337 |
| Core capital (leverage) ratio | 16.1183% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,856,400 | 4,304 |
| Average earning assets | $71,628,600 | 4,241 |
| Average equity | $12,264,800 | 3,905 |
| Average total loans | $45,345,600 | 4,083 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4415% | 2,985 |
| Cost of funding earning assets | 0.4650% | 1,253 |
| Net interest margin | 2.9765% | 3,369 |
| Noninterest income to average assets | 0.3277% | 3,470 |
| Noninterest expense to average assets | 2.2271% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7960% | 3,531 |
| Return on assets (ROA) | 0.7960% | 3,603 |
| Pretax return on assets | 1.0274% | 3,379 |
| Return on Equity (ROE) | 4.7004% | 4,185 |
| Retained earnings to average equity (ytd only) | 4.3725% | 3,455 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4300% | 1,772 |
| Assets per employee ($millions) | 5.7908% | 2,901 |
| Cash dividends to net income (ytd only)* | 6.9767% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5764% | 99 |
| Loan loss allowance to noncurrent loans | 414.2494% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 1,459 |
| Noncurrent loans to loans | 0.8633% | 1,334 |
| Net loans and leases to total assets | 58.3055% | 2,447 |
| Net loans and leases to deposits | 74.6061% | 1,799 |
| Net loans and leases to core deposits | 75.6972% | 2,081 |
| Total domestic deposits to total assets | 78.1512% | 4,412 |
| Equity capital to assets | 16.4132% | 376 |
| Core capital (leverage) ratio | 16.7298% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,021,250 | 4,369 |
| Average earning assets | $70,820,000 | 4,308 |
| Average equity | $12,197,250 | 3,961 |
| Average total loans | $45,401,750 | 4,136 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 3,053 |
| Cost of funding earning assets | 0.4386% | 1,600 |
| Net interest margin | 3.0016% | 3,317 |
| Noninterest income to average assets | 0.2735% | 3,767 |
| Noninterest expense to average assets | 2.2669% | 2,860 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7359% | 3,672 |
| Return on assets (ROA) | 0.7359% | 3,740 |
| Pretax return on assets | 0.9586% | 3,530 |
| Return on Equity (ROE) | 4.2983% | 4,276 |
| Retained earnings to average equity (ytd only) | 3.8042% | 3,585 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2797% | 1,598 |
| Assets per employee ($millions) | 6.0041% | 2,604 |
| Cash dividends to net income (ytd only)* | 11.4943% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5721% | 90 |
| Loan loss allowance to noncurrent loans | 399.0196% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 1,470 |
| Noncurrent loans to loans | 0.8952% | 1,382 |
| Net loans and leases to total assets | 60.9974% | 2,307 |
| Net loans and leases to deposits | 78.7810% | 1,549 |
| Net loans and leases to core deposits | 79.9971% | 1,888 |
| Total domestic deposits to total assets | 77.4265% | 4,487 |
| Equity capital to assets | 16.9510% | 329 |
| Core capital (leverage) ratio | 16.9805% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,934,667 | 4,411 |
| Average earning assets | $69,762,000 | 4,342 |
| Average equity | $12,144,333 | 3,971 |
| Average total loans | $45,362,000 | 4,167 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3873% | 3,234 |
| Cost of funding earning assets | 0.5078% | 1,343 |
| Net interest margin | 2.8795% | 3,577 |
| Noninterest income to average assets | 0.3751% | 3,222 |
| Noninterest expense to average assets | 2.2280% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7559% | 3,558 |
| Return on assets (ROA) | 0.7559% | 3,627 |
| Pretax return on assets | 0.9833% | 3,421 |
| Return on Equity (ROE) | 4.3931% | 4,209 |
| Retained earnings to average equity (ytd only) | 4.3931% | 3,389 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3805% | 1,773 |
| Assets per employee ($millions) | 6.3850% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5652% | 93 |
| Loan loss allowance to noncurrent loans | 884.7826% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 2,834 |
| Noncurrent loans to loans | 0.4030% | 2,658 |
| Net loans and leases to total assets | 62.6967% | 2,206 |
| Net loans and leases to deposits | 81.4151% | 1,384 |
| Net loans and leases to core deposits | 82.7119% | 1,781 |
| Total domestic deposits to total assets | 77.0086% | 4,515 |
| Equity capital to assets | 17.3119% | 289 |
| Core capital (leverage) ratio | 16.7899% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,377,500 | 4,429 |
| Average earning assets | $69,318,000 | 4,365 |
| Average equity | $12,110,000 | 3,986 |
| Average total loans | $45,255,000 | 4,182 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 3,040 |
| Cost of funding earning assets | 0.5347% | 2,716 |
| Net interest margin | 3.3610% | 2,898 |
| Noninterest income to average assets | 0.2307% | 4,120 |
| Noninterest expense to average assets | 2.3231% | 3,345 |
| Loan and lease loss provision to assets | 0.6935% | 237 |
| Net operating income to assets | 0.2352% | 4,527 |
| Return on assets (ROA) | 0.2352% | 4,589 |
| Pretax return on assets | 0.5020% | 4,267 |
| Return on Equity (ROE) | 1.3154% | 4,648 |
| Retained earnings to average equity (ytd only) | 1.0625% | 4,206 |
| Net charge-offs to loans | 0.0799% | 1,675 |
| Credit loss provision to net charge-offs | 1,352.9412% | 619 |
| Earnings coverage of net charge-offs (x) | 23.3235% | 1,807 |
| Efficiency ratio | 66.0240% | 2,526 |
| Assets per employee ($millions) | 5.8767% | 2,467 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6301% | 80 |
| Loan loss allowance to noncurrent loans | 82.0151% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 2.8148% | 140 |
| Noncurrent loans to loans | 4.4262% | 115 |
| Net loans and leases to total assets | 61.2862% | 2,690 |
| Net loans and leases to deposits | 76.6226% | 2,214 |
| Net loans and leases to core deposits | 87.9508% | 1,700 |
| Total domestic deposits to total assets | 79.9844% | 4,045 |
| Equity capital to assets | 17.1029% | 327 |
| Core capital (leverage) ratio | 17.1078% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6627% | 121 |
| Memoranda: | ||
| Average total assets | $66,332,400 | 4,428 |
| Average earning assets | $64,890,600 | 4,375 |
| Average equity | $11,859,200 | 3,991 |
| Average total loans | $42,571,600 | 4,264 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 3,287 |
| Cost of funding earning assets | 0.5402% | 2,990 |
| Net interest margin | 3.3478% | 3,046 |
| Noninterest income to average assets | 0.2328% | 4,104 |
| Noninterest expense to average assets | 2.4507% | 2,987 |
| Loan and lease loss provision to assets | 0.9390% | 159 |
| Net operating income to assets | -0.1348% | 4,822 |
| Return on assets (ROA) | -0.1348% | 4,833 |
| Pretax return on assets | 0.1082% | 4,725 |
| Return on Equity (ROE) | -0.7452% | 4,825 |
| Retained earnings to average equity (ytd only) | -1.0839% | 4,620 |
| Net charge-offs to loans | 0.1079% | 1,257 |
| Credit loss provision to net charge-offs | 1,352.9412% | 670 |
| Earnings coverage of net charge-offs (x) | 15.0882% | 2,118 |
| Efficiency ratio | 70.0525% | 1,882 |
| Assets per employee ($millions) | 5.6076% | 2,620 |
| Cash dividends to net income (ytd only)* | -45.4545% | 5,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9021% | 67 |
| Loan loss allowance to noncurrent loans | 95.9340% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 2.5219% | 214 |
| Noncurrent loans to loans | 4.0675% | 159 |
| Net loans and leases to total assets | 59.5815% | 3,268 |
| Net loans and leases to deposits | 73.2627% | 3,017 |
| Net loans and leases to core deposits | 84.0172% | 2,472 |
| Total domestic deposits to total assets | 81.3259% | 3,584 |
| Equity capital to assets | 17.6472% | 328 |
| Core capital (leverage) ratio | 17.4264% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.8836% | 120 |
| Memoranda: | ||
| Average total assets | $65,285,500 | 4,453 |
| Average earning assets | $63,681,750 | 4,406 |
| Average equity | $11,808,750 | 4,002 |
| Average total loans | $42,002,750 | 4,303 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0615% | 3,155 |
| Cost of funding earning assets | 0.5634% | 3,163 |
| Net interest margin | 3.4981% | 2,791 |
| Noninterest income to average assets | 0.2538% | 3,952 |
| Noninterest expense to average assets | 2.4483% | 3,112 |
| Loan and lease loss provision to assets | 1.4238% | 94 |
| Net operating income to assets | -0.4890% | 4,915 |
| Return on assets (ROA) | -0.4890% | 4,913 |
| Pretax return on assets | -0.2167% | 4,856 |
| Return on Equity (ROE) | -2.6810% | 4,886 |
| Retained earnings to average equity (ytd only) | -2.6810% | 4,634 |
| Net charge-offs to loans | 0.1663% | 894 |
| Credit loss provision to net charge-offs | 1,314.2857% | 664 |
| Earnings coverage of net charge-offs (x) | 11.1429% | 2,111 |
| Efficiency ratio | 66.9771% | 2,380 |
| Assets per employee ($millions) | 5.5619% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8842% | 70 |
| Loan loss allowance to noncurrent loans | 96.1016% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 2.5366% | 221 |
| Noncurrent loans to loans | 4.0417% | 166 |
| Net loans and leases to total assets | 60.3224% | 3,287 |
| Net loans and leases to deposits | 74.2439% | 3,056 |
| Net loans and leases to core deposits | 84.7993% | 2,544 |
| Total domestic deposits to total assets | 81.2490% | 3,549 |
| Equity capital to assets | 17.7037% | 323 |
| Core capital (leverage) ratio | 18.0542% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6929% | 133 |
| Memoranda: | ||
| Average total assets | $64,617,000 | 4,475 |
| Average earning assets | $62,834,333 | 4,427 |
| Average equity | $11,786,667 | 4,010 |
| Average total loans | $42,096,667 | 4,311 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 2,607 |
| Cost of funding earning assets | 0.6085% | 3,390 |
| Net interest margin | 3.7936% | 2,003 |
| Noninterest income to average assets | 0.2895% | 3,792 |
| Noninterest expense to average assets | 2.5868% | 3,015 |
| Loan and lease loss provision to assets | 2.8952% | 35 |
| Net operating income to assets | -1.8252% | 5,041 |
| Return on assets (ROA) | -1.8252% | 5,026 |
| Pretax return on assets | -1.5042% | 4,997 |
| Return on Equity (ROE) | -9.8539% | 4,998 |
| Retained earnings to average equity (ytd only) | -9.8539% | 4,760 |
| Net charge-offs to loans | 0.3223% | 453 |
| Credit loss provision to net charge-offs | 1,352.9412% | 468 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 1,981 |
| Efficiency ratio | 65.0316% | 3,082 |
| Assets per employee ($millions) | 5.3206% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8436% | 86 |
| Loan loss allowance to noncurrent loans | 92.7107% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 2.7503% | 231 |
| Noncurrent loans to loans | 4.1458% | 179 |
| Net loans and leases to total assets | 63.7900% | 3,094 |
| Net loans and leases to deposits | 82.1692% | 2,433 |
| Net loans and leases to core deposits | 111.1542% | 795 |
| Total domestic deposits to total assets | 77.6325% | 4,273 |
| Equity capital to assets | 18.3063% | 333 |
| Core capital (leverage) ratio | 17.9236% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8455% | 141 |
| Memoranda: | ||
| Average total assets | $63,554,000 | 4,506 |
| Average earning assets | $61,787,500 | 4,455 |
| Average equity | $11,772,000 | 4,023 |
| Average total loans | $42,201,000 | 4,325 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8799% | 1,813 |
| Cost of funding earning assets | 0.6386% | 3,461 |
| Net interest margin | 4.2414% | 1,227 |
| Noninterest income to average assets | 0.2713% | 4,051 |
| Noninterest expense to average assets | 2.3144% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6361% | 762 |
| Return on assets (ROA) | 1.6361% | 810 |
| Pretax return on assets | 2.0823% | 498 |
| Return on Equity (ROE) | 8.8029% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.2753% | 894 |
| Net charge-offs to loans | 0.0070% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 424.6667% | 218 |
| Efficiency ratio | 52.6394% | 4,557 |
| Assets per employee ($millions) | 5.2718% | 2,271 |
| Cash dividends to net income (ytd only)* | 5.9940% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8588% | 144 |
| Loan loss allowance to noncurrent loans | 443.5424% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 2,677 |
| Noncurrent loans to loans | 0.6445% | 2,277 |
| Net loans and leases to total assets | 64.5643% | 3,130 |
| Net loans and leases to deposits | 86.6974% | 2,011 |
| Net loans and leases to core deposits | 88.5814% | 2,558 |
| Total domestic deposits to total assets | 74.4708% | 4,741 |
| Equity capital to assets | 18.7414% | 315 |
| Core capital (leverage) ratio | 18.5696% | 305 |
| Tier 1 risk-based capital ratio | 41.0892% | 229 |
| Total risk-based capital ratio | 42.3769% | 224 |
| Memoranda: | ||
| Average total assets | $61,183,000 | 4,583 |
| Average earning assets | $59,509,000 | 4,523 |
| Average equity | $11,371,200 | 4,072 |
| Average total loans | $42,955,000 | 4,336 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 1,515 |
| Cost of funding earning assets | 0.6304% | 3,533 |
| Net interest margin | 4.3769% | 994 |
| Noninterest income to average assets | 0.2549% | 4,212 |
| Noninterest expense to average assets | 2.4045% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6154% | 897 |
| Return on assets (ROA) | 1.6154% | 935 |
| Pretax return on assets | 2.1078% | 538 |
| Return on Equity (ROE) | 8.7109% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.3554% | 1,265 |
| Net charge-offs to loans | 0.0185% | 2,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 159.8288% | 519 |
| Efficiency ratio | 53.2879% | 4,467 |
| Assets per employee ($millions) | 5.1183% | 2,425 |
| Cash dividends to net income (ytd only)* | 4.0817% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8002% | 158 |
| Loan loss allowance to noncurrent loans | 401.0033% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 2,579 |
| Noncurrent loans to loans | 0.6983% | 2,208 |
| Net loans and leases to total assets | 67.7613% | 2,820 |
| Net loans and leases to deposits | 90.6969% | 1,603 |
| Net loans and leases to core deposits | 92.7112% | 2,295 |
| Total domestic deposits to total assets | 74.7118% | 4,766 |
| Equity capital to assets | 18.9645% | 314 |
| Core capital (leverage) ratio | 18.3095% | 330 |
| Tier 1 risk-based capital ratio | 41.2126% | 226 |
| Total risk-based capital ratio | 42.5021% | 222 |
| Memoranda: | ||
| Average total assets | $60,663,500 | 4,649 |
| Average earning assets | $59,005,250 | 4,590 |
| Average equity | $11,250,000 | 4,126 |
| Average total loans | $43,182,250 | 4,385 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 1,400 |
| Cost of funding earning assets | 0.6103% | 3,599 |
| Net interest margin | 4.4182% | 914 |
| Noninterest income to average assets | 0.2682% | 4,144 |
| Noninterest expense to average assets | 2.4135% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6686% | 771 |
| Return on assets (ROA) | 1.6686% | 803 |
| Pretax return on assets | 2.1685% | 478 |
| Return on Equity (ROE) | 9.0669% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.5272% | 1,190 |
| Net charge-offs to loans | -0.0139% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6734% | 4,598 |
| Assets per employee ($millions) | 5.1493% | 2,304 |
| Cash dividends to net income (ytd only)* | 5.9524% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7640% | 161 |
| Loan loss allowance to noncurrent loans | 401.3289% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 2,596 |
| Noncurrent loans to loans | 0.6887% | 2,248 |
| Net loans and leases to total assets | 68.7727% | 2,711 |
| Net loans and leases to deposits | 91.2010% | 1,596 |
| Net loans and leases to core deposits | 92.4831% | 2,368 |
| Total domestic deposits to total assets | 75.4078% | 4,738 |
| Equity capital to assets | 18.4684% | 335 |
| Core capital (leverage) ratio | 18.0815% | 334 |
| Tier 1 risk-based capital ratio | 38.9200% | 254 |
| Total risk-based capital ratio | 40.2077% | 247 |
| Memoranda: | ||
| Average total assets | $60,411,330 | 4,686 |
| Average earning assets | $58,983,670 | 4,625 |
| Average equity | $11,117,330 | 4,155 |
| Average total loans | $43,303,670 | 4,411 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 1,345 |
| Cost of funding earning assets | 0.5910% | 3,624 |
| Net interest margin | 4.4049% | 892 |
| Noninterest income to average assets | 0.2612% | 4,140 |
| Noninterest expense to average assets | 2.5184% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5673% | 967 |
| Return on assets (ROA) | 1.5673% | 994 |
| Pretax return on assets | 2.0361% | 601 |
| Return on Equity (ROE) | 8.5324% | 3,025 |
| Retained earnings to average equity (ytd only) | 8.5324% | 1,479 |
| Net charge-offs to loans | -0.0186% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2941% | 4,410 |
| Assets per employee ($millions) | 5.0368% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7788% | 168 |
| Loan loss allowance to noncurrent loans | 498.7603% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 2,984 |
| Noncurrent loans to loans | 0.5571% | 2,655 |
| Net loans and leases to total assets | 69.8670% | 2,502 |
| Net loans and leases to deposits | 92.6684% | 1,321 |
| Net loans and leases to core deposits | 94.0010% | 2,122 |
| Total domestic deposits to total assets | 75.3946% | 4,827 |
| Equity capital to assets | 18.3846% | 315 |
| Core capital (leverage) ratio | 18.3576% | 315 |
| Tier 1 risk-based capital ratio | 35.0425% | 322 |
| Total risk-based capital ratio | 36.3260% | 317 |
| Memoranda: | ||
| Average total assets | $59,721,000 | 4,750 |
| Average earning assets | $58,207,500 | 4,688 |
| Average equity | $10,970,000 | 4,192 |
| Average total loans | $43,103,500 | 4,459 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7562% | 1,656 |
| Cost of funding earning assets | 0.4735% | 3,528 |
| Net interest margin | 4.2826% | 1,196 |
| Noninterest income to average assets | 0.2844% | 4,198 |
| Noninterest expense to average assets | 2.4598% | 3,730 |
| Loan and lease loss provision to assets | 0.5383% | 212 |
| Net operating income to assets | 1.0005% | 3,007 |
| Return on assets (ROA) | 1.0005% | 2,994 |
| Pretax return on assets | 1.4508% | 1,950 |
| Return on Equity (ROE) | 5.6523% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.0784% | 2,724 |
| Net charge-offs to loans | -0.2110% | 5,274 |
| Credit loss provision to net charge-offs | -365.5172% | 4,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2892% | 4,486 |
| Assets per employee ($millions) | 4.9167% | 2,599 |
| Cash dividends to net income (ytd only)* | 10.1523% | 3,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8173% | 159 |
| Loan loss allowance to noncurrent loans | 767.5159% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 3,518 |
| Noncurrent loans to loans | 0.3671% | 3,223 |
| Net loans and leases to total assets | 70.4508% | 2,504 |
| Net loans and leases to deposits | 93.3124% | 1,356 |
| Net loans and leases to core deposits | 94.6791% | 2,171 |
| Total domestic deposits to total assets | 75.5000% | 4,812 |
| Equity capital to assets | 18.3525% | 316 |
| Core capital (leverage) ratio | 18.2044% | 315 |
| Tier 1 risk-based capital ratio | 38.3157% | 254 |
| Total risk-based capital ratio | 39.6036% | 251 |
| Memoranda: | ||
| Average total assets | $59,069,400 | 4,777 |
| Average earning assets | $57,441,400 | 4,724 |
| Average equity | $10,456,000 | 4,241 |
| Average total loans | $41,237,000 | 4,516 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 1,692 |
| Cost of funding earning assets | 0.4419% | 3,588 |
| Net interest margin | 4.2534% | 1,226 |
| Noninterest income to average assets | 0.2730% | 4,326 |
| Noninterest expense to average assets | 2.5250% | 3,515 |
| Loan and lease loss provision to assets | 0.7176% | 138 |
| Net operating income to assets | 0.7311% | 4,133 |
| Return on assets (ROA) | 0.7311% | 4,141 |
| Pretax return on assets | 1.1576% | 3,172 |
| Return on Equity (ROE) | 4.1686% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.7826% | 3,887 |
| Net charge-offs to loans | -0.2937% | 5,356 |
| Credit loss provision to net charge-offs | -353.3333% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3846% | 4,203 |
| Assets per employee ($millions) | 4.9219% | 2,563 |
| Cash dividends to net income (ytd only)* | 9.2595% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9248% | 151 |
| Loan loss allowance to noncurrent loans | 509.7046% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 3,080 |
| Noncurrent loans to loans | 0.5738% | 2,655 |
| Net loans and leases to total assets | 67.8834% | 2,963 |
| Net loans and leases to deposits | 89.6256% | 1,949 |
| Net loans and leases to core deposits | 90.2611% | 2,640 |
| Total domestic deposits to total assets | 75.7412% | 4,817 |
| Equity capital to assets | 17.8437% | 350 |
| Core capital (leverage) ratio | 17.4356% | 378 |
| Tier 1 risk-based capital ratio | 38.5139% | 254 |
| Total risk-based capital ratio | 39.8011% | 250 |
| Memoranda: | ||
| Average total assets | $59,086,750 | 4,834 |
| Average earning assets | $57,333,750 | 4,774 |
| Average equity | $10,363,000 | 4,295 |
| Average total loans | $40,853,500 | 4,569 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 1,565 |
| Cost of funding earning assets | 0.4258% | 3,533 |
| Net interest margin | 4.2505% | 1,158 |
| Noninterest income to average assets | 0.3012% | 4,166 |
| Noninterest expense to average assets | 2.5281% | 3,555 |
| Loan and lease loss provision to assets | 1.0762% | 72 |
| Net operating income to assets | 0.4027% | 4,958 |
| Return on assets (ROA) | 0.4027% | 4,964 |
| Pretax return on assets | 0.8190% | 4,196 |
| Return on Equity (ROE) | 2.3097% | 5,135 |
| Retained earnings to average equity (ytd only) | 1.7274% | 4,556 |
| Net charge-offs to loans | -0.4275% | 5,420 |
| Credit loss provision to net charge-offs | -365.5172% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1538% | 4,339 |
| Assets per employee ($millions) | 5.0332% | 2,377 |
| Cash dividends to net income (ytd only)* | 25.2101% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9467% | 151 |
| Loan loss allowance to noncurrent loans | 485.8871% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 3,088 |
| Noncurrent loans to loans | 0.6065% | 2,596 |
| Net loans and leases to total assets | 65.7108% | 3,188 |
| Net loans and leases to deposits | 86.6834% | 2,249 |
| Net loans and leases to core deposits | 87.2839% | 2,794 |
| Total domestic deposits to total assets | 75.8055% | 4,870 |
| Equity capital to assets | 17.2489% | 382 |
| Core capital (leverage) ratio | 17.1853% | 375 |
| Tier 1 risk-based capital ratio | 37.9139% | 267 |
| Total risk-based capital ratio | 39.1989% | 260 |
| Memoranda: | ||
| Average total assets | $59,094,670 | 4,887 |
| Average earning assets | $57,310,330 | 4,831 |
| Average equity | $10,304,330 | 4,341 |
| Average total loans | $40,704,000 | 4,616 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 1,869 |
| Cost of funding earning assets | 0.4026% | 3,559 |
| Net interest margin | 4.0964% | 1,447 |
| Noninterest income to average assets | 0.3080% | 4,100 |
| Noninterest expense to average assets | 2.5598% | 3,461 |
| Loan and lease loss provision to assets | 2.1765% | 28 |
| Net operating income to assets | -0.8624% | 5,527 |
| Return on assets (ROA) | -0.8624% | 5,526 |
| Pretax return on assets | -0.4586% | 5,491 |
| Return on Equity (ROE) | -4.9183% | 5,499 |
| Retained earnings to average equity (ytd only) | -4.9183% | 5,200 |
| Net charge-offs to loans | -0.0295% | 4,730 |
| Credit loss provision to net charge-offs | -10,600.0000% | 4,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8400% | 4,088 |
| Assets per employee ($millions) | 4.8974% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7111% | 206 |
| Loan loss allowance to noncurrent loans | 842.8571% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 3,969 |
| Noncurrent loans to loans | 0.3217% | 3,610 |
| Net loans and leases to total assets | 68.4494% | 2,709 |
| Net loans and leases to deposits | 90.6851% | 1,604 |
| Net loans and leases to core deposits | 91.3337% | 2,348 |
| Total domestic deposits to total assets | 75.4803% | 5,020 |
| Equity capital to assets | 17.3272% | 373 |
| Core capital (leverage) ratio | 17.1725% | 367 |
| Tier 1 risk-based capital ratio | 35.7214% | 314 |
| Total risk-based capital ratio | 37.0037% | 308 |
| Memoranda: | ||
| Average total assets | $58,443,000 | 4,958 |
| Average earning assets | $56,635,500 | 4,897 |
| Average equity | $10,247,500 | 4,393 |
| Average total loans | $40,609,500 | 4,675 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 2,308 |
| Cost of funding earning assets | 0.3529% | 3,687 |
| Net interest margin | 3.9524% | 1,910 |
| Noninterest income to average assets | 0.3323% | 4,092 |
| Noninterest expense to average assets | 2.4506% | 3,934 |
| Loan and lease loss provision to assets | 0.0334% | 3,595 |
| Net operating income to assets | 1.0759% | 1,957 |
| Return on assets (ROA) | 1.0759% | 1,974 |
| Pretax return on assets | 1.6683% | 1,100 |
| Return on Equity (ROE) | 6.0602% | 3,736 |
| Retained earnings to average equity (ytd only) | 5.4661% | 1,833 |
| Net charge-offs to loans | -0.0375% | 5,116 |
| Credit loss provision to net charge-offs | -135.7143% | 4,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0178% | 4,411 |
| Assets per employee ($millions) | 4.8431% | 2,682 |
| Cash dividends to net income (ytd only)* | 9.8039% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0065% | 533 |
| Loan loss allowance to noncurrent loans | 296.2963% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 3,014 |
| Noncurrent loans to loans | 0.6772% | 2,518 |
| Net loans and leases to total assets | 67.2282% | 2,932 |
| Net loans and leases to deposits | 89.4667% | 1,840 |
| Net loans and leases to core deposits | 90.1105% | 2,562 |
| Total domestic deposits to total assets | 75.1432% | 5,078 |
| Equity capital to assets | 17.7435% | 333 |
| Core capital (leverage) ratio | 17.7879% | 312 |
| Tier 1 risk-based capital ratio | 37.5046% | 264 |
| Total risk-based capital ratio | 38.7757% | 256 |
| Memoranda: | ||
| Average total assets | $56,884,400 | 5,029 |
| Average earning assets | $54,979,600 | 4,977 |
| Average equity | $10,098,600 | 4,429 |
| Average total loans | $37,339,600 | 4,810 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2484% | 2,440 |
| Cost of funding earning assets | 0.3512% | 3,654 |
| Net interest margin | 3.8972% | 2,049 |
| Noninterest income to average assets | 0.3394% | 4,109 |
| Noninterest expense to average assets | 2.5405% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0298% | 2,412 |
| Return on assets (ROA) | 1.0298% | 2,454 |
| Pretax return on assets | 1.5648% | 1,531 |
| Return on Equity (ROE) | 5.8003% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.4021% | 2,603 |
| Net charge-offs to loans | -0.0400% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8829% | 3,903 |
| Assets per employee ($millions) | 4.7064% | 2,824 |
| Cash dividends to net income (ytd only)* | 6.8652% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0586% | 512 |
| Loan loss allowance to noncurrent loans | 555.7143% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 4,068 |
| Noncurrent loans to loans | 0.3704% | 3,625 |
| Net loans and leases to total assets | 65.5382% | 3,173 |
| Net loans and leases to deposits | 88.2441% | 2,023 |
| Net loans and leases to core deposits | 88.9054% | 2,697 |
| Total domestic deposits to total assets | 74.2692% | 5,211 |
| Equity capital to assets | 18.1543% | 323 |
| Core capital (leverage) ratio | 17.4550% | 347 |
| Tier 1 risk-based capital ratio | 38.9977% | 234 |
| Total risk-based capital ratio | 40.2689% | 233 |
| Memoranda: | ||
| Average total assets | $56,576,250 | 5,089 |
| Average earning assets | $54,670,500 | 5,036 |
| Average equity | $10,045,250 | 4,481 |
| Average total loans | $36,706,750 | 4,877 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 2,429 |
| Cost of funding earning assets | 0.3473% | 3,611 |
| Net interest margin | 3.8642% | 2,045 |
| Noninterest income to average assets | 0.3427% | 4,097 |
| Noninterest expense to average assets | 2.5226% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0175% | 2,344 |
| Return on assets (ROA) | 1.0175% | 2,385 |
| Pretax return on assets | 1.5545% | 1,476 |
| Return on Equity (ROE) | 5.7739% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.1724% | 2,595 |
| Net charge-offs to loans | -0.0275% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8718% | 4,011 |
| Assets per employee ($millions) | 4.8187% | 2,620 |
| Cash dividends to net income (ytd only)* | 10.4167% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0438% | 556 |
| Loan loss allowance to noncurrent loans | 539.8601% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 4,142 |
| Noncurrent loans to loans | 0.3786% | 3,668 |
| Net loans and leases to total assets | 63.9873% | 3,385 |
| Net loans and leases to deposits | 85.0536% | 2,346 |
| Net loans and leases to core deposits | 85.6680% | 2,911 |
| Total domestic deposits to total assets | 75.2317% | 5,174 |
| Equity capital to assets | 17.5048% | 362 |
| Core capital (leverage) ratio | 17.4352% | 334 |
| Tier 1 risk-based capital ratio | 38.1157% | 244 |
| Total risk-based capital ratio | 39.3882% | 236 |
| Memoranda: | ||
| Average total assets | $56,609,330 | 5,124 |
| Average earning assets | $54,707,330 | 5,074 |
| Average equity | $9,976,000 | 4,513 |
| Average total loans | $36,345,000 | 4,919 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 2,405 |
| Cost of funding earning assets | 0.3471% | 3,564 |
| Net interest margin | 3.8184% | 2,052 |
| Noninterest income to average assets | 0.3500% | 4,039 |
| Noninterest expense to average assets | 2.5356% | 3,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9928% | 2,335 |
| Return on assets (ROA) | 0.9928% | 2,389 |
| Pretax return on assets | 1.5071% | 1,511 |
| Return on Equity (ROE) | 5.6145% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.6145% | 2,537 |
| Net charge-offs to loans | -0.0112% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7208% | 4,035 |
| Assets per employee ($millions) | 4.7632% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0965% | 559 |
| Loan loss allowance to noncurrent loans | 529.6552% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 4,192 |
| Noncurrent loans to loans | 0.3958% | 3,680 |
| Net loans and leases to total assets | 62.7471% | 3,434 |
| Net loans and leases to deposits | 83.3527% | 2,357 |
| Net loans and leases to core deposits | 83.9615% | 2,903 |
| Total domestic deposits to total assets | 75.2791% | 5,310 |
| Equity capital to assets | 17.4674% | 343 |
| Core capital (leverage) ratio | 17.3737% | 336 |
| Tier 1 risk-based capital ratio | 39.2043% | 233 |
| Total risk-based capital ratio | 40.4772% | 230 |
| Memoranda: | ||
| Average total assets | $56,002,000 | 5,196 |
| Average earning assets | $54,159,500 | 5,135 |
| Average equity | $9,903,000 | 4,558 |
| Average total loans | $35,631,500 | 4,979 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,056 |
| Cost of funding earning assets | 0.4256% | 2,751 |
| Net interest margin | 3.6171% | 3,010 |
| Noninterest income to average assets | 0.3207% | 4,448 |
| Noninterest expense to average assets | 2.5837% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7999% | 3,305 |
| Return on assets (ROA) | 0.8486% | 3,185 |
| Pretax return on assets | 1.2865% | 2,327 |
| Return on Equity (ROE) | 4.8329% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.2172% | 2,906 |
| Net charge-offs to loans | -0.1775% | 5,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0589% | 3,220 |
| Assets per employee ($millions) | 4.5705% | 3,014 |
| Cash dividends to net income (ytd only)* | 12.7389% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2148% | 454 |
| Loan loss allowance to noncurrent loans | 507.9470% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 4,183 |
| Noncurrent loans to loans | 0.4360% | 3,581 |
| Net loans and leases to total assets | 61.7420% | 3,643 |
| Net loans and leases to deposits | 79.5691% | 2,932 |
| Net loans and leases to core deposits | 83.3735% | 3,087 |
| Total domestic deposits to total assets | 77.5954% | 5,033 |
| Equity capital to assets | 17.9083% | 309 |
| Core capital (leverage) ratio | 17.0633% | 353 |
| Tier 1 risk-based capital ratio | 41.2381% | 206 |
| Total risk-based capital ratio | 42.5111% | 205 |
| Memoranda: | ||
| Average total assets | $55,501,400 | 5,236 |
| Average earning assets | $53,330,600 | 5,179 |
| Average equity | $9,745,800 | 4,626 |
| Average total loans | $32,672,600 | 5,112 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 3,258 |
| Cost of funding earning assets | 0.4224% | 2,818 |
| Net interest margin | 3.5687% | 3,200 |
| Noninterest income to average assets | 0.3210% | 4,478 |
| Noninterest expense to average assets | 2.6515% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7160% | 3,759 |
| Return on assets (ROA) | 0.7808% | 3,597 |
| Pretax return on assets | 1.1880% | 2,881 |
| Return on Equity (ROE) | 4.4687% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.0575% | 3,413 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8707% | 2,764 |
| Assets per employee ($millions) | 4.6474% | 2,845 |
| Cash dividends to net income (ytd only)* | 9.2026% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0730% | 633 |
| Loan loss allowance to noncurrent loans | 323.7443% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 3,852 |
| Noncurrent loans to loans | 0.6403% | 3,100 |
| Net loans and leases to total assets | 60.0549% | 3,870 |
| Net loans and leases to deposits | 77.4382% | 3,250 |
| Net loans and leases to core deposits | 81.1849% | 3,343 |
| Total domestic deposits to total assets | 77.5520% | 4,992 |
| Equity capital to assets | 17.7410% | 367 |
| Core capital (leverage) ratio | 17.2361% | 350 |
| Tier 1 risk-based capital ratio | 39.8767% | 227 |
| Total risk-based capital ratio | 41.1475% | 222 |
| Memoranda: | ||
| Average total assets | $55,665,250 | 5,280 |
| Average earning assets | $53,351,250 | 5,226 |
| Average equity | $9,726,750 | 4,669 |
| Average total loans | $32,183,250 | 5,172 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 3,389 |
| Cost of funding earning assets | 0.4191% | 2,843 |
| Net interest margin | 3.5398% | 3,328 |
| Noninterest income to average assets | 0.3128% | 4,536 |
| Noninterest expense to average assets | 2.7215% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6505% | 4,039 |
| Return on assets (ROA) | 0.7478% | 3,713 |
| Pretax return on assets | 1.1397% | 3,042 |
| Return on Equity (ROE) | 4.3015% | 4,805 |
| Retained earnings to average equity (ytd only) | 3.6811% | 3,547 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2817% | 2,471 |
| Assets per employee ($millions) | 4.5992% | 2,868 |
| Cash dividends to net income (ytd only)* | 14.4231% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1921% | 551 |
| Loan loss allowance to noncurrent loans | 312.3348% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 3,855 |
| Noncurrent loans to loans | 0.7019% | 2,976 |
| Net loans and leases to total assets | 57.3184% | 4,185 |
| Net loans and leases to deposits | 73.8940% | 3,606 |
| Net loans and leases to core deposits | 77.6447% | 3,674 |
| Total domestic deposits to total assets | 77.5684% | 5,073 |
| Equity capital to assets | 17.7840% | 358 |
| Core capital (leverage) ratio | 16.9354% | 371 |
| Tier 1 risk-based capital ratio | 41.1330% | 214 |
| Total risk-based capital ratio | 42.4078% | 215 |
| Memoranda: | ||
| Average total assets | $55,630,670 | 5,341 |
| Average earning assets | $53,449,000 | 5,281 |
| Average equity | $9,671,000 | 4,709 |
| Average total loans | $31,510,670 | 5,250 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9696% | 3,331 |
| Cost of funding earning assets | 0.4186% | 2,871 |
| Net interest margin | 3.5509% | 3,275 |
| Noninterest income to average assets | 0.3223% | 4,425 |
| Noninterest expense to average assets | 2.5855% | 3,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7448% | 3,512 |
| Return on assets (ROA) | 0.7448% | 3,618 |
| Pretax return on assets | 1.1387% | 2,939 |
| Return on Equity (ROE) | 4.3338% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.3338% | 3,314 |
| Net charge-offs to loans | 0.0129% | 2,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 378 |
| Efficiency ratio | 69.4231% | 3,226 |
| Assets per employee ($millions) | 4.6080% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2471% | 552 |
| Loan loss allowance to noncurrent loans | 242.4658% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 3,259 |
| Noncurrent loans to loans | 0.9268% | 2,531 |
| Net loans and leases to total assets | 55.6984% | 4,288 |
| Net loans and leases to deposits | 71.4992% | 3,697 |
| Net loans and leases to core deposits | 74.1394% | 3,884 |
| Total domestic deposits to total assets | 77.9008% | 5,163 |
| Equity capital to assets | 17.5293% | 374 |
| Core capital (leverage) ratio | 16.4694% | 425 |
| Tier 1 risk-based capital ratio | 40.8529% | 222 |
| Total risk-based capital ratio | 42.1247% | 220 |
| Memoranda: | ||
| Average total assets | $55,851,000 | 5,387 |
| Average earning assets | $53,507,000 | 5,328 |
| Average equity | $9,599,000 | 4,743 |
| Average total loans | $31,094,500 | 5,305 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 4,289 |
| Cost of funding earning assets | 0.4388% | 2,749 |
| Net interest margin | 3.2883% | 4,334 |
| Noninterest income to average assets | 0.3881% | 4,126 |
| Noninterest expense to average assets | 2.4639% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7212% | 3,704 |
| Return on assets (ROA) | 0.7212% | 3,809 |
| Pretax return on assets | 1.0928% | 3,094 |
| Return on Equity (ROE) | 4.2127% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.8920% | 3,266 |
| Net charge-offs to loans | 0.0102% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 337 |
| Efficiency ratio | 69.2743% | 3,350 |
| Assets per employee ($millions) | 4.7005% | 2,731 |
| Cash dividends to net income (ytd only)* | 7.6142% | 4,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3108% | 505 |
| Loan loss allowance to noncurrent loans | 181.3299% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 2,702 |
| Noncurrent loans to loans | 1.2744% | 1,851 |
| Net loans and leases to total assets | 53.1380% | 4,583 |
| Net loans and leases to deposits | 67.4066% | 4,183 |
| Net loans and leases to core deposits | 70.4899% | 4,268 |
| Total domestic deposits to total assets | 78.8320% | 5,009 |
| Equity capital to assets | 16.8510% | 430 |
| Core capital (leverage) ratio | 16.1980% | 443 |
| Tier 1 risk-based capital ratio | 40.8860% | 219 |
| Total risk-based capital ratio | 42.1600% | 215 |
| Memoranda: | ||
| Average total assets | $54,629,400 | 5,440 |
| Average earning assets | $52,641,200 | 5,367 |
| Average equity | $9,352,600 | 4,777 |
| Average total loans | $29,479,600 | 5,378 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7536% | 4,247 |
| Cost of funding earning assets | 0.4472% | 2,716 |
| Net interest margin | 3.3065% | 4,316 |
| Noninterest income to average assets | 0.4011% | 4,079 |
| Noninterest expense to average assets | 2.5468% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6865% | 3,961 |
| Return on assets (ROA) | 0.6865% | 4,080 |
| Pretax return on assets | 1.0384% | 3,472 |
| Return on Equity (ROE) | 3.9937% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.5642% | 3,927 |
| Net charge-offs to loans | 0.0092% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 210.7303% | 343 |
| Efficiency ratio | 71.0364% | 3,037 |
| Assets per employee ($millions) | 4.7083% | 2,686 |
| Cash dividends to net income (ytd only)* | 10.7530% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4149% | 492 |
| Loan loss allowance to noncurrent loans | 257.2464% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 3,459 |
| Noncurrent loans to loans | 0.9387% | 2,622 |
| Net loans and leases to total assets | 50.7814% | 4,871 |
| Net loans and leases to deposits | 64.5133% | 4,514 |
| Net loans and leases to core deposits | 66.7139% | 4,646 |
| Total domestic deposits to total assets | 78.7147% | 5,048 |
| Equity capital to assets | 16.7667% | 463 |
| Core capital (leverage) ratio | 16.5693% | 419 |
| Tier 1 risk-based capital ratio | 42.1588% | 223 |
| Total risk-based capital ratio | 43.4338% | 219 |
| Memoranda: | ||
| Average total assets | $54,185,250 | 5,521 |
| Average earning assets | $52,179,250 | 5,453 |
| Average equity | $9,314,500 | 4,845 |
| Average total loans | $29,179,000 | 5,457 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 4,126 |
| Cost of funding earning assets | 0.4629% | 2,577 |
| Net interest margin | 3.3184% | 4,219 |
| Noninterest income to average assets | 0.4081% | 4,025 |
| Noninterest expense to average assets | 2.5798% | 3,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6740% | 4,010 |
| Return on assets (ROA) | 0.6740% | 4,122 |
| Pretax return on assets | 1.0222% | 3,487 |
| Return on Equity (ROE) | 3.8870% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.2392% | 3,986 |
| Net charge-offs to loans | -0.0069% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6216% | 3,047 |
| Assets per employee ($millions) | 4.5380% | 2,925 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4414% | 518 |
| Loan loss allowance to noncurrent loans | 251.0563% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 3,497 |
| Noncurrent loans to loans | 0.9725% | 2,703 |
| Net loans and leases to total assets | 52.3193% | 4,726 |
| Net loans and leases to deposits | 66.7346% | 4,261 |
| Net loans and leases to core deposits | 69.0657% | 4,408 |
| Total domestic deposits to total assets | 78.3991% | 5,201 |
| Equity capital to assets | 17.0798% | 409 |
| Core capital (leverage) ratio | 16.3944% | 420 |
| Tier 1 risk-based capital ratio | 41.2426% | 239 |
| Total risk-based capital ratio | 42.5171% | 238 |
| Memoranda: | ||
| Average total assets | $53,414,000 | 5,604 |
| Average earning assets | $51,410,330 | 5,528 |
| Average equity | $9,261,670 | 4,892 |
| Average total loans | $29,105,000 | 5,515 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9091% | 3,563 |
| Cost of funding earning assets | 0.4641% | 2,631 |
| Net interest margin | 3.4450% | 3,644 |
| Noninterest income to average assets | 0.4008% | 3,999 |
| Noninterest expense to average assets | 2.6015% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7260% | 3,662 |
| Return on assets (ROA) | 0.7260% | 3,800 |
| Pretax return on assets | 1.1117% | 3,030 |
| Return on Equity (ROE) | 4.1549% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.1549% | 3,511 |
| Net charge-offs to loans | -0.0138% | 4,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0611% | 3,478 |
| Assets per employee ($millions) | 4.4422% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4787% | 545 |
| Loan loss allowance to noncurrent loans | 241.6949% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 3,464 |
| Noncurrent loans to loans | 1.0256% | 2,713 |
| Net loans and leases to total assets | 52.6245% | 4,597 |
| Net loans and leases to deposits | 67.6131% | 3,992 |
| Net loans and leases to core deposits | 69.9883% | 4,157 |
| Total domestic deposits to total assets | 77.8318% | 5,481 |
| Equity capital to assets | 17.5271% | 373 |
| Core capital (leverage) ratio | 16.7435% | 387 |
| Tier 1 risk-based capital ratio | 41.2824% | 243 |
| Total risk-based capital ratio | 42.5704% | 243 |
| Memoranda: | ||
| Average total assets | $52,893,000 | 5,665 |
| Average earning assets | $50,856,000 | 5,595 |
| Average equity | $9,242,000 | 4,932 |
| Average total loans | $29,055,500 | 5,558 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 4,405 |
| Cost of funding earning assets | 0.4697% | 2,984 |
| Net interest margin | 3.3572% | 4,380 |
| Noninterest income to average assets | 0.4092% | 4,119 |
| Noninterest expense to average assets | 2.6379% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6686% | 4,047 |
| Return on assets (ROA) | 0.6686% | 4,147 |
| Pretax return on assets | 1.0125% | 3,444 |
| Return on Equity (ROE) | 3.8752% | 5,171 |
| Retained earnings to average equity (ytd only) | 2.8730% | 4,189 |
| Net charge-offs to loans | -0.2030% | 6,268 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2632% | 3,160 |
| Assets per employee ($millions) | 4.3733% | 3,232 |
| Cash dividends to net income (ytd only)* | 25.8621% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4262% | 606 |
| Loan loss allowance to noncurrent loans | 182.0972% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 3,037 |
| Noncurrent loans to loans | 1.3324% | 2,207 |
| Net loans and leases to total assets | 54.5617% | 4,507 |
| Net loans and leases to deposits | 69.8510% | 3,933 |
| Net loans and leases to core deposits | 72.2679% | 4,097 |
| Total domestic deposits to total assets | 78.1117% | 5,418 |
| Equity capital to assets | 17.4181% | 372 |
| Core capital (leverage) ratio | 17.0924% | 356 |
| Tier 1 risk-based capital ratio | 38.5594% | 257 |
| Total risk-based capital ratio | 39.8356% | 256 |
| Memoranda: | ||
| Average total assets | $52,048,600 | 5,740 |
| Average earning assets | $50,249,800 | 5,671 |
| Average equity | $8,980,200 | 4,980 |
| Average total loans | $29,070,200 | 5,601 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 4,427 |
| Cost of funding earning assets | 0.4678% | 3,071 |
| Net interest margin | 3.3651% | 4,375 |
| Noninterest income to average assets | 0.4081% | 4,178 |
| Noninterest expense to average assets | 2.6363% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6802% | 4,041 |
| Return on assets (ROA) | 0.6802% | 4,132 |
| Pretax return on assets | 1.0216% | 3,514 |
| Return on Equity (ROE) | 3.9521% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.5048% | 4,145 |
| Net charge-offs to loans | -0.2666% | 6,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0702% | 3,160 |
| Assets per employee ($millions) | 4.2809% | 3,331 |
| Cash dividends to net income (ytd only)* | 11.3212% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4680% | 670 |
| Loan loss allowance to noncurrent loans | 199.1597% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 3,730 |
| Noncurrent loans to loans | 1.2392% | 2,569 |
| Net loans and leases to total assets | 54.6962% | 4,491 |
| Net loans and leases to deposits | 70.4705% | 3,869 |
| Net loans and leases to core deposits | 72.9307% | 4,059 |
| Total domestic deposits to total assets | 77.6158% | 5,592 |
| Equity capital to assets | 17.6539% | 363 |
| Core capital (leverage) ratio | 17.3131% | 339 |
| Tier 1 risk-based capital ratio | 39.3561% | 255 |
| Total risk-based capital ratio | 40.6315% | 250 |
| Memoranda: | ||
| Average total assets | $51,940,750 | 5,805 |
| Average earning assets | $50,161,250 | 5,735 |
| Average equity | $8,940,000 | 5,025 |
| Average total loans | $29,001,250 | 5,662 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8510% | 4,331 |
| Cost of funding earning assets | 0.4640% | 3,170 |
| Net interest margin | 3.3870% | 4,227 |
| Noninterest income to average assets | 0.4182% | 4,111 |
| Noninterest expense to average assets | 2.6510% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6982% | 3,850 |
| Return on assets (ROA) | 0.6982% | 3,939 |
| Pretax return on assets | 1.0435% | 3,306 |
| Return on Equity (ROE) | 4.0913% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.4169% | 4,025 |
| Net charge-offs to loans | -0.3922% | 6,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7549% | 3,388 |
| Assets per employee ($millions) | 4.2923% | 3,286 |
| Cash dividends to net income (ytd only)* | 16.4835% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5024% | 706 |
| Loan loss allowance to noncurrent loans | 202.2792% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 3,946 |
| Noncurrent loans to loans | 1.2371% | 2,755 |
| Net loans and leases to total assets | 53.7073% | 4,574 |
| Net loans and leases to deposits | 68.9850% | 3,942 |
| Net loans and leases to core deposits | 71.3350% | 4,119 |
| Total domestic deposits to total assets | 77.8535% | 5,663 |
| Equity capital to assets | 17.4831% | 364 |
| Core capital (leverage) ratio | 16.9788% | 360 |
| Tier 1 risk-based capital ratio | 39.9800% | 242 |
| Total risk-based capital ratio | 41.2561% | 238 |
| Memoranda: | ||
| Average total assets | $52,130,670 | 5,852 |
| Average earning assets | $50,428,000 | 5,774 |
| Average equity | $8,897,000 | 5,056 |
| Average total loans | $29,065,330 | 5,693 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6976% | 4,858 |
| Cost of funding earning assets | 0.4563% | 3,359 |
| Net interest margin | 3.2413% | 4,773 |
| Noninterest income to average assets | 0.4195% | 4,036 |
| Noninterest expense to average assets | 2.5933% | 4,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6560% | 3,914 |
| Return on assets (ROA) | 0.6560% | 4,014 |
| Pretax return on assets | 0.9687% | 3,448 |
| Return on Equity (ROE) | 3.8901% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.8901% | 3,785 |
| Net charge-offs to loans | -0.0136% | 5,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8051% | 3,339 |
| Assets per employee ($millions) | 4.4129% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2354% | 1,113 |
| Loan loss allowance to noncurrent loans | 77.9499% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.5844% | 2,227 |
| Noncurrent loans to loans | 2.8678% | 1,140 |
| Net loans and leases to total assets | 54.0119% | 4,418 |
| Net loans and leases to deposits | 68.6014% | 3,782 |
| Net loans and leases to core deposits | 70.7935% | 4,005 |
| Total domestic deposits to total assets | 78.7329% | 5,724 |
| Equity capital to assets | 16.8105% | 420 |
| Core capital (leverage) ratio | 16.3504% | 438 |
| Tier 1 risk-based capital ratio | 38.5835% | 262 |
| Total risk-based capital ratio | 39.8552% | 259 |
| Memoranda: | ||
| Average total assets | $52,442,500 | 5,906 |
| Average earning assets | $50,843,500 | 5,819 |
| Average equity | $8,843,000 | 5,095 |
| Average total loans | $29,411,500 | 5,733 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4444% | 5,746 |
| Cost of funding earning assets | 0.4371% | 4,245 |
| Net interest margin | 3.0074% | 5,564 |
| Noninterest income to average assets | 0.3826% | 4,573 |
| Noninterest expense to average assets | 2.3295% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6239% | 4,145 |
| Return on assets (ROA) | 0.6239% | 4,261 |
| Pretax return on assets | 0.9440% | 3,587 |
| Return on Equity (ROE) | 3.9524% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.9332% | 4,155 |
| Net charge-offs to loans | -0.1935% | 6,610 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1633% | 3,635 |
| Assets per employee ($millions) | 4.3275% | 3,220 |
| Cash dividends to net income (ytd only)* | 25.7880% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2085% | 1,161 |
| Loan loss allowance to noncurrent loans | 83.2908% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.5097% | 2,461 |
| Noncurrent loans to loans | 2.6516% | 1,392 |
| Net loans and leases to total assets | 55.6788% | 4,363 |
| Net loans and leases to deposits | 70.7515% | 3,687 |
| Net loans and leases to core deposits | 72.9967% | 3,949 |
| Total domestic deposits to total assets | 78.6963% | 5,710 |
| Equity capital to assets | 16.9151% | 400 |
| Core capital (leverage) ratio | 16.0988% | 459 |
| Tier 1 risk-based capital ratio | 38.1549% | 262 |
| Total risk-based capital ratio | 39.4249% | 254 |
| Memoranda: | ||
| Average total assets | $55,934,600 | 5,873 |
| Average earning assets | $53,767,800 | 5,772 |
| Average equity | $8,830,000 | 5,129 |
| Average total loans | $27,385,800 | 5,877 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3897% | 5,906 |
| Cost of funding earning assets | 0.4371% | 4,421 |
| Net interest margin | 2.9526% | 5,695 |
| Noninterest income to average assets | 0.3864% | 4,631 |
| Noninterest expense to average assets | 2.3160% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5925% | 4,389 |
| Return on assets (ROA) | 0.5925% | 4,514 |
| Pretax return on assets | 0.9016% | 3,875 |
| Return on Equity (ROE) | 3.8152% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.3629% | 4,288 |
| Net charge-offs to loans | -0.0149% | 5,976 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9796% | 3,409 |
| Assets per employee ($millions) | 4.8073% | 2,434 |
| Cash dividends to net income (ytd only)* | 11.8582% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2096% | 1,310 |
| Loan loss allowance to noncurrent loans | 71.5302% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.4613% | 2,751 |
| Noncurrent loans to loans | 3.0890% | 1,291 |
| Net loans and leases to total assets | 46.2617% | 5,521 |
| Net loans and leases to deposits | 57.5126% | 5,233 |
| Net loans and leases to core deposits | 61.6770% | 5,152 |
| Total domestic deposits to total assets | 80.4375% | 5,378 |
| Equity capital to assets | 15.3310% | 651 |
| Core capital (leverage) ratio | 14.9607% | 651 |
| Tier 1 risk-based capital ratio | 41.3515% | 225 |
| Total risk-based capital ratio | 42.6233% | 223 |
| Memoranda: | ||
| Average total assets | $56,935,750 | 5,904 |
| Average earning assets | $54,595,000 | 5,810 |
| Average equity | $8,841,500 | 5,181 |
| Average total loans | $26,840,500 | 5,952 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4040% | 5,896 |
| Cost of funding earning assets | 0.4352% | 4,604 |
| Net interest margin | 2.9689% | 5,650 |
| Noninterest income to average assets | 0.3846% | 4,633 |
| Noninterest expense to average assets | 2.3145% | 5,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5998% | 4,283 |
| Return on assets (ROA) | 0.5998% | 4,466 |
| Pretax return on assets | 0.9103% | 3,867 |
| Return on Equity (ROE) | 3.8459% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.1672% | 4,298 |
| Net charge-offs to loans | -0.0075% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7724% | 3,511 |
| Assets per employee ($millions) | 4.7407% | 2,464 |
| Cash dividends to net income (ytd only)* | 17.6471% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1882% | 1,447 |
| Loan loss allowance to noncurrent loans | 74.4734% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.4186% | 2,973 |
| Noncurrent loans to loans | 2.9383% | 1,524 |
| Net loans and leases to total assets | 47.2226% | 5,401 |
| Net loans and leases to deposits | 58.7487% | 5,093 |
| Net loans and leases to core deposits | 63.0359% | 5,000 |
| Total domestic deposits to total assets | 80.3807% | 5,516 |
| Equity capital to assets | 15.4127% | 632 |
| Core capital (leverage) ratio | 14.8537% | 639 |
| Tier 1 risk-based capital ratio | 40.2661% | 223 |
| Total risk-based capital ratio | 41.5350% | 220 |
| Memoranda: | ||
| Average total assets | $56,685,330 | 5,950 |
| Average earning assets | $54,229,670 | 5,855 |
| Average equity | $8,840,670 | 5,217 |
| Average total loans | $26,690,670 | 5,992 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4294% | 5,875 |
| Cost of funding earning assets | 0.4389% | 4,714 |
| Net interest margin | 2.9905% | 5,594 |
| Noninterest income to average assets | 0.3817% | 4,608 |
| Noninterest expense to average assets | 2.3611% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5726% | 4,347 |
| Return on assets (ROA) | 0.5726% | 4,496 |
| Pretax return on assets | 0.8624% | 3,903 |
| Return on Equity (ROE) | 3.6499% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.6499% | 4,054 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2456% | 3,405 |
| Assets per employee ($millions) | 4.7921% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2315% | 1,522 |
| Loan loss allowance to noncurrent loans | 71.0059% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.4694% | 3,056 |
| Noncurrent loans to loans | 3.1427% | 1,576 |
| Net loans and leases to total assets | 45.7143% | 5,464 |
| Net loans and leases to deposits | 56.9300% | 5,147 |
| Net loans and leases to core deposits | 60.6497% | 5,081 |
| Total domestic deposits to total assets | 80.2991% | 5,691 |
| Equity capital to assets | 15.4839% | 640 |
| Core capital (leverage) ratio | 15.0502% | 586 |
| Tier 1 risk-based capital ratio | 40.6778% | 220 |
| Total risk-based capital ratio | 41.9499% | 218 |
| Memoranda: | ||
| Average total assets | $56,584,000 | 6,010 |
| Average earning assets | $53,770,000 | 5,908 |
| Average equity | $8,877,000 | 5,246 |
| Average total loans | $26,303,500 | 6,058 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2981% | 6,586 |
| Cost of funding earning assets | 0.4783% | 5,367 |
| Net interest margin | 2.8199% | 6,364 |
| Noninterest income to average assets | 0.4238% | 4,426 |
| Noninterest expense to average assets | 2.3817% | 5,465 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4728% | 4,793 |
| Return on assets (ROA) | 0.4800% | 5,010 |
| Pretax return on assets | 0.7227% | 4,584 |
| Return on Equity (ROE) | 3.0259% | 5,545 |
| Retained earnings to average equity (ytd only) | 1.9983% | 4,816 |
| Net charge-offs to loans | -0.0996% | 6,825 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9906% | 2,594 |
| Assets per employee ($millions) | 4.2818% | 3,396 |
| Cash dividends to net income (ytd only)* | 33.9623% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3329% | 1,322 |
| Loan loss allowance to noncurrent loans | 72.1154% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.4947% | 3,141 |
| Noncurrent loans to loans | 3.2350% | 1,596 |
| Net loans and leases to total assets | 45.1269% | 5,709 |
| Net loans and leases to deposits | 56.5489% | 5,384 |
| Net loans and leases to core deposits | 59.9356% | 5,367 |
| Total domestic deposits to total assets | 79.8017% | 5,718 |
| Equity capital to assets | 15.8993% | 572 |
| Core capital (leverage) ratio | 15.1665% | 548 |
| Tier 1 risk-based capital ratio | 42.3120% | 198 |
| Total risk-based capital ratio | 43.5824% | 193 |
| Memoranda: | ||
| Average total assets | $55,212,600 | 6,042 |
| Average earning assets | $52,271,800 | 5,974 |
| Average equity | $8,757,600 | 5,284 |
| Average total loans | $23,085,200 | 6,290 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2196% | 6,786 |
| Cost of funding earning assets | 0.4810% | 5,562 |
| Net interest margin | 2.7386% | 6,591 |
| Noninterest income to average assets | 0.4186% | 4,490 |
| Noninterest expense to average assets | 2.3666% | 5,497 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4357% | 5,096 |
| Return on assets (ROA) | 0.4452% | 5,300 |
| Pretax return on assets | 0.6703% | 4,956 |
| Return on Equity (ROE) | 2.8087% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.3508% | 5,160 |
| Net charge-offs to loans | -0.0357% | 6,622 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3026% | 2,353 |
| Assets per employee ($millions) | 4.2791% | 3,320 |
| Cash dividends to net income (ytd only)* | 16.3046% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3186% | 1,482 |
| Loan loss allowance to noncurrent loans | 64.0659% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.6359% | 3,133 |
| Noncurrent loans to loans | 3.6190% | 1,494 |
| Net loans and leases to total assets | 44.1540% | 5,955 |
| Net loans and leases to deposits | 55.4835% | 5,678 |
| Net loans and leases to core deposits | 58.7861% | 5,679 |
| Total domestic deposits to total assets | 79.5804% | 5,754 |
| Equity capital to assets | 15.9182% | 622 |
| Core capital (leverage) ratio | 15.3615% | 556 |
| Tier 1 risk-based capital ratio | 43.8797% | 186 |
| Total risk-based capital ratio | 45.1530% | 185 |
| Memoranda: | ||
| Average total assets | $55,100,000 | 6,123 |
| Average earning assets | $52,385,250 | 6,042 |
| Average equity | $8,734,500 | 5,344 |
| Average total loans | $22,426,750 | 6,402 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1163% | 6,925 |
| Cost of funding earning assets | 0.4765% | 5,788 |
| Net interest margin | 2.6398% | 6,783 |
| Noninterest income to average assets | 0.4188% | 4,515 |
| Noninterest expense to average assets | 2.3705% | 5,564 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3896% | 5,248 |
| Return on assets (ROA) | 0.3896% | 5,491 |
| Pretax return on assets | 0.5899% | 5,175 |
| Return on Equity (ROE) | 2.4614% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.7713% | 5,308 |
| Net charge-offs to loans | -0.0279% | 6,511 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0738% | 2,157 |
| Assets per employee ($millions) | 3.9605% | 3,956 |
| Cash dividends to net income (ytd only)* | 28.0374% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5190% | 1,258 |
| Loan loss allowance to noncurrent loans | 77.9570% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.3418% | 3,755 |
| Noncurrent loans to loans | 3.2313% | 1,802 |
| Net loans and leases to total assets | 40.4801% | 6,310 |
| Net loans and leases to deposits | 50.8127% | 6,125 |
| Net loans and leases to core deposits | 53.8275% | 6,103 |
| Total domestic deposits to total assets | 79.6653% | 5,826 |
| Equity capital to assets | 15.8656% | 607 |
| Core capital (leverage) ratio | 15.1867% | 567 |
| Tier 1 risk-based capital ratio | 48.3078% | 143 |
| Total risk-based capital ratio | 49.5835% | 141 |
| Memoranda: | ||
| Average total assets | $54,924,000 | 6,170 |
| Average earning assets | $52,883,330 | 6,067 |
| Average equity | $8,694,330 | 5,356 |
| Average total loans | $21,520,670 | 6,488 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0631% | 7,025 |
| Cost of funding earning assets | 0.4765% | 5,971 |
| Net interest margin | 2.5866% | 6,883 |
| Noninterest income to average assets | 0.4391% | 4,384 |
| Noninterest expense to average assets | 2.3855% | 5,521 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3732% | 5,376 |
| Return on assets (ROA) | 0.3732% | 5,557 |
| Pretax return on assets | 0.5561% | 5,254 |
| Return on Equity (ROE) | 2.3603% | 5,959 |
| Retained earnings to average equity (ytd only) | 2.3603% | 5,081 |
| Net charge-offs to loans | -0.0193% | 6,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0945% | 2,063 |
| Assets per employee ($millions) | 3.9041% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7932% | 1,015 |
| Loan loss allowance to noncurrent loans | 100.6969% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.0502% | 4,393 |
| Noncurrent loans to loans | 2.7739% | 2,337 |
| Net loans and leases to total assets | 36.8016% | 6,570 |
| Net loans and leases to deposits | 46.1269% | 6,421 |
| Net loans and leases to core deposits | 48.8786% | 6,405 |
| Total domestic deposits to total assets | 79.7834% | 5,903 |
| Equity capital to assets | 15.8019% | 605 |
| Core capital (leverage) ratio | 15.0617% | 591 |
| Tier 1 risk-based capital ratio | 53.0472% | 116 |
| Total risk-based capital ratio | 54.3303% | 114 |
| Memoranda: | ||
| Average total assets | $54,662,500 | 6,211 |
| Average earning assets | $52,887,500 | 6,102 |
| Average equity | $8,643,000 | 5,385 |
| Average total loans | $20,768,500 | 6,575 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4303% | 7,035 |
| Cost of funding earning assets | 0.4906% | 6,573 |
| Net interest margin | 2.9397% | 6,627 |
| Noninterest income to average assets | 0.4329% | 4,352 |
| Noninterest expense to average assets | 2.2946% | 6,051 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6176% | 3,901 |
| Return on assets (ROA) | 0.6176% | 4,097 |
| Pretax return on assets | 0.9009% | 3,606 |
| Return on Equity (ROE) | 4.1897% | 4,757 |
| Retained earnings to average equity (ytd only) | 3.1155% | 4,011 |
| Net charge-offs to loans | -0.0688% | 7,093 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8062% | 3,615 |
| Assets per employee ($millions) | 3.9048% | 4,063 |
| Cash dividends to net income (ytd only)* | 25.6410% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7682% | 1,012 |
| Loan loss allowance to noncurrent loans | 181.4465% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 5,519 |
| Noncurrent loans to loans | 1.5256% | 3,862 |
| Net loans and leases to total assets | 37.0736% | 6,697 |
| Net loans and leases to deposits | 46.4477% | 6,601 |
| Net loans and leases to core deposits | 49.3787% | 6,562 |
| Total domestic deposits to total assets | 79.8178% | 5,792 |
| Equity capital to assets | 15.8212% | 604 |
| Core capital (leverage) ratio | 14.8516% | 633 |
| Tier 1 risk-based capital ratio | 53.4643% | 118 |
| Total risk-based capital ratio | 54.7460% | 116 |
| Memoranda: | ||
| Average total assets | $56,829,600 | 6,142 |
| Average earning assets | $53,406,200 | 6,063 |
| Average equity | $8,377,600 | 5,447 |
| Average total loans | $20,363,400 | 6,645 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2902% | 7,180 |
| Cost of funding earning assets | 0.4935% | 6,720 |
| Net interest margin | 2.7966% | 6,885 |
| Noninterest income to average assets | 0.4323% | 4,421 |
| Noninterest expense to average assets | 2.2775% | 6,093 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5322% | 4,396 |
| Return on assets (ROA) | 0.5322% | 4,587 |
| Pretax return on assets | 0.7623% | 4,269 |
| Return on Equity (ROE) | 3.6744% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.7116% | 4,731 |
| Net charge-offs to loans | -0.0988% | 7,161 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9235% | 3,017 |
| Assets per employee ($millions) | 4.0870% | 3,660 |
| Cash dividends to net income (ytd only)* | 26.2012% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7947% | 1,037 |
| Loan loss allowance to noncurrent loans | 181.7610% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 5,720 |
| Noncurrent loans to loans | 1.5376% | 3,977 |
| Net loans and leases to total assets | 35.1358% | 6,907 |
| Net loans and leases to deposits | 43.5963% | 6,853 |
| Net loans and leases to core deposits | 46.1705% | 6,839 |
| Total domestic deposits to total assets | 80.5935% | 5,568 |
| Equity capital to assets | 15.0302% | 845 |
| Core capital (leverage) ratio | 14.2038% | 845 |
| Tier 1 risk-based capital ratio | 53.4715% | 133 |
| Total risk-based capital ratio | 54.7549% | 132 |
| Memoranda: | ||
| Average total assets | $57,370,250 | 6,172 |
| Average earning assets | $53,491,250 | 6,112 |
| Average equity | $8,309,750 | 5,510 |
| Average total loans | $20,243,250 | 6,711 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2110% | 7,278 |
| Cost of funding earning assets | 0.4914% | 6,870 |
| Net interest margin | 2.7196% | 7,005 |
| Noninterest income to average assets | 0.4040% | 4,649 |
| Noninterest expense to average assets | 2.2431% | 6,262 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4841% | 4,570 |
| Return on assets (ROA) | 0.4841% | 4,717 |
| Pretax return on assets | 0.6862% | 4,431 |
| Return on Equity (ROE) | 3.3849% | 5,218 |
| Retained earnings to average equity (ytd only) | 1.9238% | 5,019 |
| Net charge-offs to loans | -0.1294% | 7,215 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5755% | 2,925 |
| Assets per employee ($millions) | 4.0003% | 3,753 |
| Cash dividends to net income (ytd only)* | 43.1655% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8927% | 993 |
| Loan loss allowance to noncurrent loans | 154.8387% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 5,683 |
| Noncurrent loans to loans | 1.8682% | 3,656 |
| Net loans and leases to total assets | 32.2240% | 7,107 |
| Net loans and leases to deposits | 39.2060% | 7,090 |
| Net loans and leases to core deposits | 41.1063% | 7,100 |
| Total domestic deposits to total assets | 82.1915% | 5,100 |
| Equity capital to assets | 13.8605% | 1,147 |
| Core capital (leverage) ratio | 14.4048% | 783 |
| Tier 1 risk-based capital ratio | 54.8345% | 130 |
| Total risk-based capital ratio | 56.1174% | 125 |
| Memoranda: | ||
| Average total assets | $57,421,000 | 6,223 |
| Average earning assets | $53,316,670 | 6,170 |
| Average equity | $8,213,000 | 5,547 |
| Average total loans | $20,097,000 | 6,776 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2044% | 7,336 |
| Cost of funding earning assets | 0.4941% | 6,992 |
| Net interest margin | 2.7103% | 7,002 |
| Noninterest income to average assets | 0.4632% | 4,163 |
| Noninterest expense to average assets | 2.2733% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5345% | 4,332 |
| Return on assets (ROA) | 0.5345% | 4,422 |
| Pretax return on assets | 0.7697% | 4,019 |
| Return on Equity (ROE) | 3.6760% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.6760% | 3,969 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7073% | 3,390 |
| Assets per employee ($millions) | 3.8013% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7694% | 1,142 |
| Loan loss allowance to noncurrent loans | 301.0695% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 6,377 |
| Noncurrent loans to loans | 0.9199% | 5,195 |
| Net loans and leases to total assets | 34.6650% | 7,065 |
| Net loans and leases to deposits | 42.4701% | 7,005 |
| Net loans and leases to core deposits | 45.0641% | 7,008 |
| Total domestic deposits to total assets | 81.6222% | 5,450 |
| Equity capital to assets | 14.3634% | 916 |
| Core capital (leverage) ratio | 13.7231% | 908 |
| Tier 1 risk-based capital ratio | 54.3584% | 132 |
| Total risk-based capital ratio | 55.6375% | 131 |
| Memoranda: | ||
| Average total assets | $56,129,000 | 6,306 |
| Average earning assets | $53,426,500 | 6,219 |
| Average equity | $8,161,000 | 5,562 |
| Average total loans | $20,189,500 | 6,831 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2069% | 7,464 |
| Cost of funding earning assets | 0.5108% | 7,284 |
| Net interest margin | 2.6961% | 7,125 |
| Noninterest income to average assets | 0.4502% | 4,510 |
| Noninterest expense to average assets | 2.3253% | 6,286 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5117% | 4,045 |
| Return on assets (ROA) | 0.5117% | 4,197 |
| Pretax return on assets | 0.7685% | 3,730 |
| Return on Equity (ROE) | 3.5116% | 4,749 |
| Retained earnings to average equity (ytd only) | 2.3948% | 4,201 |
| Net charge-offs to loans | -0.1477% | 7,527 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1607% | 3,173 |
| Assets per employee ($millions) | 3.9456% | 3,899 |
| Cash dividends to net income (ytd only)* | 31.8021% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8080% | 1,043 |
| Loan loss allowance to noncurrent loans | 273.3010% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 6,336 |
| Noncurrent loans to loans | 1.0274% | 5,014 |
| Net loans and leases to total assets | 35.2783% | 7,191 |
| Net loans and leases to deposits | 43.4570% | 7,138 |
| Net loans and leases to core deposits | 46.2534% | 7,133 |
| Total domestic deposits to total assets | 81.1796% | 5,463 |
| Equity capital to assets | 14.7217% | 857 |
| Core capital (leverage) ratio | 14.2450% | 801 |
| Tier 1 risk-based capital ratio | 54.1182% | 131 |
| Total risk-based capital ratio | 55.3969% | 130 |
| Memoranda: | ||
| Average total assets | $55,303,800 | 6,358 |
| Average earning assets | $54,227,200 | 6,208 |
| Average equity | $8,059,000 | 5,696 |
| Average total loans | $19,637,000 | 6,947 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2467% | 7,591 |
| Cost of funding earning assets | 0.5141% | 7,428 |
| Net interest margin | 2.7327% | 7,198 |
| Noninterest income to average assets | 0.4386% | 4,649 |
| Noninterest expense to average assets | 2.3668% | 6,126 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4989% | 4,321 |
| Return on assets (ROA) | 0.4989% | 4,512 |
| Pretax return on assets | 0.7495% | 4,082 |
| Return on Equity (ROE) | 3.4324% | 5,036 |
| Retained earnings to average equity (ytd only) | 2.4376% | 4,715 |
| Net charge-offs to loans | -0.3617% | 7,661 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9474% | 2,959 |
| Assets per employee ($millions) | 3.9696% | 3,900 |
| Cash dividends to net income (ytd only)* | 28.9866% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0752% | 773 |
| Loan loss allowance to noncurrent loans | 215.0183% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 6,200 |
| Noncurrent loans to loans | 1.4302% | 4,470 |
| Net loans and leases to total assets | 33.2907% | 7,368 |
| Net loans and leases to deposits | 41.0896% | 7,338 |
| Net loans and leases to core deposits | 43.7097% | 7,330 |
| Total domestic deposits to total assets | 81.0199% | 5,357 |
| Equity capital to assets | 14.6507% | 979 |
| Core capital (leverage) ratio | 14.1382% | 894 |
| Tier 1 risk-based capital ratio | 55.7105% | 130 |
| Total risk-based capital ratio | 56.9990% | 126 |
| Memoranda: | ||
| Average total assets | $55,320,250 | 6,437 |
| Average earning assets | $54,207,250 | 6,271 |
| Average equity | $8,040,750 | 5,776 |
| Average total loans | $19,533,750 | 7,046 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3035% | 7,659 |
| Cost of funding earning assets | 0.5216% | 7,514 |
| Net interest margin | 2.7819% | 7,167 |
| Noninterest income to average assets | 0.4562% | 4,468 |
| Noninterest expense to average assets | 2.4187% | 6,014 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5069% | 4,295 |
| Return on assets (ROA) | 0.5069% | 4,442 |
| Pretax return on assets | 0.7604% | 4,025 |
| Return on Equity (ROE) | 3.4969% | 5,017 |
| Retained earnings to average equity (ytd only) | 1.9983% | 4,862 |
| Net charge-offs to loans | -0.0102% | 7,188 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0820% | 3,062 |
| Assets per employee ($millions) | 4.1420% | 3,503 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7166% | 1,074 |
| Loan loss allowance to noncurrent loans | 187.7193% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 5,892 |
| Noncurrent loans to loans | 1.4471% | 4,541 |
| Net loans and leases to total assets | 33.0396% | 7,451 |
| Net loans and leases to deposits | 40.2915% | 7,438 |
| Net loans and leases to core deposits | 42.7141% | 7,437 |
| Total domestic deposits to total assets | 82.0014% | 4,989 |
| Equity capital to assets | 13.9029% | 1,205 |
| Core capital (leverage) ratio | 14.3966% | 837 |
| Tier 1 risk-based capital ratio | 39.7769% | 252 |
| Total risk-based capital ratio | 41.0446% | 246 |
| Memoranda: | ||
| Average total assets | $55,235,670 | 6,481 |
| Average earning assets | $54,063,330 | 6,321 |
| Average equity | $8,007,000 | 5,800 |
| Average total loans | $19,682,330 | 7,085 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4536% | 7,721 |
| Cost of funding earning assets | 0.5389% | 7,616 |
| Net interest margin | 2.9147% | 6,995 |
| Noninterest income to average assets | 0.4456% | 4,516 |
| Noninterest expense to average assets | 2.5028% | 5,719 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5273% | 4,249 |
| Return on assets (ROA) | 0.5273% | 4,390 |
| Pretax return on assets | 0.7947% | 3,890 |
| Return on Equity (ROE) | 3.5591% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.5591% | 4,017 |
| Net charge-offs to loans | -0.0203% | 7,081 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9009% | 3,234 |
| Assets per employee ($millions) | 3.8873% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6605% | 1,113 |
| Loan loss allowance to noncurrent loans | 119.4196% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 5,190 |
| Noncurrent loans to loans | 2.2279% | 3,489 |
| Net loans and leases to total assets | 35.9671% | 7,423 |
| Net loans and leases to deposits | 44.3734% | 7,390 |
| Net loans and leases to core deposits | 47.2608% | 7,387 |
| Total domestic deposits to total assets | 81.0555% | 5,441 |
| Equity capital to assets | 14.6742% | 964 |
| Core capital (leverage) ratio | 13.7446% | 1,018 |
| Tier 1 risk-based capital ratio | 40.3741% | 249 |
| Total risk-based capital ratio | 41.6418% | 240 |
| Memoranda: | ||
| Average total assets | $53,859,500 | 6,608 |
| Average earning assets | $52,698,500 | 6,454 |
| Average equity | $7,979,500 | 5,856 |
| Average total loans | $19,676,500 | 7,173 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7991% | 7,760 |
| Cost of funding earning assets | 0.5961% | 7,777 |
| Net interest margin | 3.2029% | 6,080 |
| Noninterest income to average assets | 0.4827% | 4,546 |
| Noninterest expense to average assets | 2.5478% | 5,961 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7349% | 2,791 |
| Return on assets (ROA) | 0.7349% | 2,874 |
| Pretax return on assets | 1.0764% | 2,319 |
| Return on Equity (ROE) | 5.1779% | 3,589 |
| Retained earnings to average equity (ytd only) | 2.9102% | 3,135 |
| Net charge-offs to loans | -0.0630% | 7,861 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3009% | 4,560 |
| Assets per employee ($millions) | 3.8069% | 4,274 |
| Cash dividends to net income (ytd only)* | 43.7956% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7749% | 954 |
| Loan loss allowance to noncurrent loans | 108.9796% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 1.0789% | 4,935 |
| Noncurrent loans to loans | 2.5462% | 3,006 |
| Net loans and leases to total assets | 35.1052% | 7,557 |
| Net loans and leases to deposits | 43.4894% | 7,529 |
| Net loans and leases to core deposits | 50.6346% | 7,572 |
| Total domestic deposits to total assets | 80.7212% | 5,434 |
| Equity capital to assets | 14.9596% | 921 |
| Core capital (leverage) ratio | 14.8349% | 821 |
| Tier 1 risk-based capital ratio | 41.0707% | 232 |
| Total risk-based capital ratio | 42.3402% | 226 |
| Memoranda: | ||
| Average total assets | $55,929,600 | 6,497 |
| Average earning assets | $54,855,800 | 6,340 |
| Average equity | $7,937,600 | 5,943 |
| Average total loans | $19,041,400 | 7,256 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 7,840 |
| Cost of funding earning assets | 0.6151% | 7,880 |
| Net interest margin | 3.2679% | 5,760 |
| Noninterest income to average assets | 0.4783% | 4,683 |
| Noninterest expense to average assets | 2.4881% | 6,107 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7964% | 2,831 |
| Return on assets (ROA) | 0.7964% | 2,892 |
| Pretax return on assets | 1.1946% | 2,282 |
| Return on Equity (ROE) | 5.6839% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.6749% | 2,669 |
| Net charge-offs to loans | -0.0772% | 7,896 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5624% | 5,065 |
| Assets per employee ($millions) | 3.7521% | 4,306 |
| Cash dividends to net income (ytd only)* | 17.7517% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8237% | 771 |
| Loan loss allowance to noncurrent loans | 161.0272% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 5,533 |
| Noncurrent loans to loans | 1.7535% | 3,985 |
| Net loans and leases to total assets | 34.9198% | 7,659 |
| Net loans and leases to deposits | 43.6312% | 7,632 |
| Net loans and leases to core deposits | 51.6021% | 7,654 |
| Total domestic deposits to total assets | 80.0339% | 5,424 |
| Equity capital to assets | 15.3420% | 919 |
| Core capital (leverage) ratio | 14.8552% | 882 |
| Tier 1 risk-based capital ratio | 42.0285% | 250 |
| Total risk-based capital ratio | 43.3037% | 242 |
| Memoranda: | ||
| Average total assets | $56,587,750 | 6,520 |
| Average earning assets | $55,488,250 | 6,360 |
| Average equity | $7,928,750 | 6,007 |
| Average total loans | $18,990,750 | 7,321 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 7,944 |
| Cost of funding earning assets | 0.6405% | 7,964 |
| Net interest margin | 3.2516% | 5,729 |
| Noninterest income to average assets | 0.4798% | 4,627 |
| Noninterest expense to average assets | 2.4370% | 6,348 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8250% | 2,756 |
| Return on assets (ROA) | 0.8250% | 2,854 |
| Pretax return on assets | 1.2323% | 2,211 |
| Return on Equity (ROE) | 6.0619% | 3,619 |
| Retained earnings to average equity (ytd only) | 4.5401% | 2,767 |
| Net charge-offs to loans | -0.1051% | 7,959 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4158% | 5,470 |
| Assets per employee ($millions) | 3.7269% | 4,265 |
| Cash dividends to net income (ytd only)* | 25.1046% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7698% | 699 |
| Loan loss allowance to noncurrent loans | 200.7547% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 5,736 |
| Noncurrent loans to loans | 1.3797% | 4,456 |
| Net loans and leases to total assets | 35.7923% | 7,713 |
| Net loans and leases to deposits | 44.5268% | 7,684 |
| Net loans and leases to core deposits | 53.6838% | 7,664 |
| Total domestic deposits to total assets | 80.3837% | 5,322 |
| Equity capital to assets | 15.0395% | 1,017 |
| Core capital (leverage) ratio | 14.4387% | 1,034 |
| Tier 1 risk-based capital ratio | 43.8324% | 239 |
| Total risk-based capital ratio | 45.1057% | 236 |
| Memoranda: | ||
| Average total assets | $57,940,670 | 6,513 |
| Average earning assets | $56,833,670 | 6,354 |
| Average equity | $7,885,330 | 6,057 |
| Average total loans | $19,029,000 | 7,391 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 8,063 |
| Cost of funding earning assets | 0.6491% | 8,023 |
| Net interest margin | 3.0382% | 6,381 |
| Noninterest income to average assets | 0.4340% | 4,927 |
| Noninterest expense to average assets | 2.1176% | 7,075 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8221% | 3,035 |
| Return on assets (ROA) | 0.8221% | 3,188 |
| Pretax return on assets | 1.3021% | 2,276 |
| Return on Equity (ROE) | 6.3255% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.3255% | 2,483 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9231% | 6,061 |
| Assets per employee ($millions) | 3.9591% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6970% | 627 |
| Loan loss allowance to noncurrent loans | 183.8028% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 5,501 |
| Noncurrent loans to loans | 1.4673% | 4,103 |
| Net loans and leases to total assets | 33.9780% | 7,803 |
| Net loans and leases to deposits | 41.8939% | 7,786 |
| Net loans and leases to core deposits | 50.0625% | 7,791 |
| Total domestic deposits to total assets | 81.1049% | 4,921 |
| Equity capital to assets | 14.3396% | 1,271 |
| Core capital (leverage) ratio | 12.9927% | 1,485 |
| Tier 1 risk-based capital ratio | 41.2932% | 295 |
| Total risk-based capital ratio | 42.5605% | 288 |
| Memoranda: | ||
| Average total assets | $60,823,000 | 6,444 |
| Average earning assets | $59,772,000 | 6,270 |
| Average equity | $7,904,500 | 6,095 |
| Average total loans | $18,940,000 | 7,443 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 8,044 |
| Cost of funding earning assets | 1.1767% | 7,965 |
| Net interest margin | 3.2614% | 6,177 |
| Noninterest income to average assets | 0.4624% | 4,946 |
| Noninterest expense to average assets | 2.3586% | 6,537 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8797% | 3,095 |
| Return on assets (ROA) | 0.8797% | 2,941 |
| Pretax return on assets | 1.2763% | 2,388 |
| Return on Equity (ROE) | 6.4774% | 3,763 |
| Retained earnings to average equity (ytd only) | 1.4281% | 4,363 |
| Net charge-offs to loans | 0.0848% | 5,548 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 49.1333% | 769 |
| Efficiency ratio | 64.8880% | 5,350 |
| Assets per employee ($millions) | 4.7299% | 2,282 |
| Cash dividends to net income (ytd only)* | 77.9528% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8178% | 512 |
| Loan loss allowance to noncurrent loans | 128.8889% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 5,004 |
| Noncurrent loans to loans | 2.1862% | 2,526 |
| Net loans and leases to total assets | 27.1871% | 8,051 |
| Net loans and leases to deposits | 31.0697% | 8,105 |
| Net loans and leases to core deposits | 35.6700% | 8,109 |
| Total domestic deposits to total assets | 87.5036% | 1,703 |
| Equity capital to assets | 11.8712% | 2,374 |
| Core capital (leverage) ratio | 13.2893% | 1,445 |
| Tier 1 risk-based capital ratio | 37.9121% | 372 |
| Total risk-based capital ratio | 39.1705% | 366 |
| Memoranda: | ||
| Average total assets | $57,745,200 | 6,462 |
| Average earning assets | $56,172,000 | 6,330 |
| Average equity | $7,842,600 | 6,153 |
| Average total loans | $17,686,400 | 7,484 |