Home > First National Bank of Dublin > Performance and Condition Ratios
First National Bank of Dublin, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2974% | 286 |
| Cost of funding earning assets | 0.9180% | 4,091 |
| Net interest margin | 6.3794% | 76 |
| Noninterest income to average assets | 0.7400% | 1,053 |
| Noninterest expense to average assets | 3.7015% | 474 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 2.8675% | 157 |
| Return on assets (ROA) | 2.8675% | 159 |
| Pretax return on assets | 2.8675% | 210 |
| Return on Equity (ROE) | 25.7500% | 175 |
| Retained earnings to average equity (ytd only) | 8.9947% | 798 |
| Net charge-offs to loans | 0.1078% | 1,120 |
| Credit loss provision to net charge-offs | 239.3617% | 1,023 |
| Earnings coverage of net charge-offs (x) | 42.0426% | 1,304 |
| Efficiency ratio | 54.9013% | 3,657 |
| Assets per employee ($millions) | 4.0071% | 4,087 |
| Cash dividends to net income (ytd only)* | 65.0657% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9243% | 429 |
| Loan loss allowance to noncurrent loans | 1,239.5683% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 2,962 |
| Noncurrent loans to loans | 0.1552% | 2,901 |
| Net loans and leases to total assets | 66.4100% | 2,319 |
| Net loans and leases to deposits | 75.1024% | 2,549 |
| Net loans and leases to core deposits | 77.8390% | 2,922 |
| Total domestic deposits to total assets | 88.4300% | 1,352 |
| Equity capital to assets | 11.4471% | 1,395 |
| Core capital (leverage) ratio | 11.6217% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5071% | 969 |
| Memoranda: | ||
| Average total assets | $129,973,600 | 3,533 |
| Average earning assets | $122,331,400 | 3,506 |
| Average equity | $14,475,200 | 3,373 |
| Average total loans | $87,206,400 | 3,342 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3191% | 282 |
| Cost of funding earning assets | 0.9145% | 4,112 |
| Net interest margin | 6.4046% | 77 |
| Noninterest income to average assets | 0.7500% | 990 |
| Noninterest expense to average assets | 3.6256% | 496 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 2.9405% | 151 |
| Return on assets (ROA) | 2.9405% | 152 |
| Pretax return on assets | 2.9405% | 211 |
| Return on Equity (ROE) | 26.5900% | 162 |
| Retained earnings to average equity (ytd only) | 9.3547% | 1,015 |
| Net charge-offs to loans | 0.0816% | 1,103 |
| Credit loss provision to net charge-offs | 377.3585% | 760 |
| Earnings coverage of net charge-offs (x) | 57.6226% | 1,123 |
| Efficiency ratio | 53.5372% | 3,768 |
| Assets per employee ($millions) | 3.7750% | 4,180 |
| Cash dividends to net income (ytd only)* | 64.8213% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9742% | 410 |
| Loan loss allowance to noncurrent loans | 2,048.2353% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,258 |
| Noncurrent loans to loans | 0.0964% | 3,206 |
| Net loans and leases to total assets | 67.3500% | 2,164 |
| Net loans and leases to deposits | 76.5648% | 2,477 |
| Net loans and leases to core deposits | 79.5229% | 2,844 |
| Total domestic deposits to total assets | 87.9700% | 1,250 |
| Equity capital to assets | 11.5614% | 1,451 |
| Core capital (leverage) ratio | 11.6187% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3514% | 1,032 |
| Memoranda: | ||
| Average total assets | $129,408,500 | 3,543 |
| Average earning assets | $121,742,750 | 3,516 |
| Average equity | $14,309,750 | 3,388 |
| Average total loans | $86,622,750 | 3,353 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2544% | 286 |
| Cost of funding earning assets | 0.9052% | 4,108 |
| Net interest margin | 6.3493% | 81 |
| Noninterest income to average assets | 0.7300% | 1,020 |
| Noninterest expense to average assets | 3.5742% | 521 |
| Loan and lease loss provision to assets | 0.2200% | 493 |
| Net operating income to assets | 2.9069% | 160 |
| Return on assets (ROA) | 2.9069% | 163 |
| Pretax return on assets | 2.9069% | 222 |
| Return on Equity (ROE) | 26.6900% | 183 |
| Retained earnings to average equity (ytd only) | 8.6462% | 1,187 |
| Net charge-offs to loans | 0.0581% | 1,187 |
| Credit loss provision to net charge-offs | 580.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 81.2400% | 871 |
| Efficiency ratio | 53.3103% | 3,801 |
| Assets per employee ($millions) | 3.8728% | 4,158 |
| Cash dividends to net income (ytd only)* | 67.6034% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9936% | 399 |
| Loan loss allowance to noncurrent loans | 2,063.8554% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 3,219 |
| Noncurrent loans to loans | 0.0966% | 3,163 |
| Net loans and leases to total assets | 65.8900% | 2,362 |
| Net loans and leases to deposits | 74.5934% | 2,660 |
| Net loans and leases to core deposits | 76.7988% | 2,990 |
| Total domestic deposits to total assets | 88.3400% | 1,209 |
| Equity capital to assets | 11.3033% | 1,420 |
| Core capital (leverage) ratio | 11.2947% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1356% | 1,061 |
| Memoranda: | ||
| Average total assets | $129,761,667 | 3,550 |
| Average earning assets | $122,187,333 | 3,523 |
| Average equity | $14,133,333 | 3,381 |
| Average total loans | $86,101,000 | 3,362 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1995% | 275 |
| Cost of funding earning assets | 0.8711% | 4,124 |
| Net interest margin | 6.3284% | 92 |
| Noninterest income to average assets | 0.7100% | 1,002 |
| Noninterest expense to average assets | 3.5000% | 568 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 2.8606% | 185 |
| Return on assets (ROA) | 2.8606% | 185 |
| Pretax return on assets | 2.8606% | 247 |
| Return on Equity (ROE) | 26.7600% | 194 |
| Retained earnings to average equity (ytd only) | 8.1563% | 1,513 |
| Net charge-offs to loans | -0.0975% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.5011% | 3,867 |
| Assets per employee ($millions) | 3.7587% | 4,215 |
| Cash dividends to net income (ytd only)* | 69.5187% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 400 |
| Loan loss allowance to noncurrent loans | 614.6953% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 2,263 |
| Noncurrent loans to loans | 0.3223% | 2,171 |
| Net loans and leases to total assets | 66.4000% | 2,192 |
| Net loans and leases to deposits | 74.8600% | 2,524 |
| Net loans and leases to core deposits | 76.8825% | 2,925 |
| Total domestic deposits to total assets | 88.7000% | 1,198 |
| Equity capital to assets | 11.0489% | 1,485 |
| Core capital (leverage) ratio | 10.8846% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6320% | 1,152 |
| Memoranda: | ||
| Average total assets | $130,741,000 | 3,548 |
| Average earning assets | $123,064,500 | 3,530 |
| Average equity | $13,977,000 | 3,405 |
| Average total loans | $86,188,500 | 3,367 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6739% | 296 |
| Cost of funding earning assets | 0.5676% | 4,118 |
| Net interest margin | 6.1063% | 103 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 3.3333% | 711 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 2.7487% | 198 |
| Return on assets (ROA) | 2.7487% | 197 |
| Pretax return on assets | 2.7487% | 267 |
| Return on Equity (ROE) | 27.8400% | 220 |
| Retained earnings to average equity (ytd only) | 12.2329% | 615 |
| Net charge-offs to loans | 0.2438% | 441 |
| Credit loss provision to net charge-offs | 215.3110% | 1,168 |
| Earnings coverage of net charge-offs (x) | 19.5215% | 1,899 |
| Efficiency ratio | 51.8981% | 3,840 |
| Assets per employee ($millions) | 4.0511% | 4,141 |
| Cash dividends to net income (ytd only)* | 56.0606% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8565% | 485 |
| Loan loss allowance to noncurrent loans | 894.9438% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 2,638 |
| Noncurrent loans to loans | 0.2074% | 2,478 |
| Net loans and leases to total assets | 62.9900% | 2,575 |
| Net loans and leases to deposits | 70.3387% | 2,868 |
| Net loans and leases to core deposits | 72.3138% | 3,172 |
| Total domestic deposits to total assets | 89.5600% | 889 |
| Equity capital to assets | 10.3481% | 1,814 |
| Core capital (leverage) ratio | 10.5827% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5194% | 1,179 |
| Memoranda: | ||
| Average total assets | $132,060,600 | 3,532 |
| Average earning assets | $124,199,600 | 3,503 |
| Average equity | $13,038,600 | 3,423 |
| Average total loans | $85,729,200 | 3,353 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5428% | 295 |
| Cost of funding earning assets | 0.4986% | 4,139 |
| Net interest margin | 6.0443% | 103 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 3.4362% | 597 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 2.5693% | 251 |
| Return on assets (ROA) | 2.5693% | 245 |
| Pretax return on assets | 2.5693% | 353 |
| Return on Equity (ROE) | 26.3400% | 337 |
| Retained earnings to average equity (ytd only) | 12.7102% | 853 |
| Net charge-offs to loans | 0.1540% | 548 |
| Credit loss provision to net charge-offs | 368.6869% | 762 |
| Earnings coverage of net charge-offs (x) | 29.3131% | 1,602 |
| Efficiency ratio | 53.8999% | 3,597 |
| Assets per employee ($millions) | 3.9909% | 4,175 |
| Cash dividends to net income (ytd only)* | 51.7540% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 456 |
| Loan loss allowance to noncurrent loans | 2,311.4286% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,275 |
| Noncurrent loans to loans | 0.0831% | 3,167 |
| Net loans and leases to total assets | 62.7300% | 2,587 |
| Net loans and leases to deposits | 70.2089% | 2,830 |
| Net loans and leases to core deposits | 72.7334% | 3,067 |
| Total domestic deposits to total assets | 89.3400% | 1,145 |
| Equity capital to assets | 10.2232% | 1,691 |
| Core capital (leverage) ratio | 10.4212% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3375% | 1,235 |
| Memoranda: | ||
| Average total assets | $131,654,250 | 3,544 |
| Average earning assets | $123,816,750 | 3,511 |
| Average equity | $12,839,750 | 3,435 |
| Average total loans | $85,710,000 | 3,347 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3430% | 301 |
| Cost of funding earning assets | 0.4222% | 4,130 |
| Net interest margin | 5.9208% | 114 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 3.5977% | 478 |
| Loan and lease loss provision to assets | 0.3000% | 309 |
| Net operating income to assets | 2.3549% | 286 |
| Return on assets (ROA) | 2.3549% | 281 |
| Pretax return on assets | 2.3549% | 430 |
| Return on Equity (ROE) | 24.5400% | 402 |
| Retained earnings to average equity (ytd only) | 12.3974% | 909 |
| Net charge-offs to loans | 0.1717% | 459 |
| Credit loss provision to net charge-offs | 270.2703% | 914 |
| Earnings coverage of net charge-offs (x) | 23.6486% | 1,670 |
| Efficiency ratio | 57.5036% | 3,256 |
| Assets per employee ($millions) | 3.9285% | 4,213 |
| Cash dividends to net income (ytd only)* | 49.4839% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 805 |
| Loan loss allowance to noncurrent loans | 693.8967% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 2,414 |
| Noncurrent loans to loans | 0.2402% | 2,303 |
| Net loans and leases to total assets | 67.2700% | 2,036 |
| Net loans and leases to deposits | 75.0833% | 2,398 |
| Net loans and leases to core deposits | 76.9427% | 2,692 |
| Total domestic deposits to total assets | 89.6000% | 1,051 |
| Equity capital to assets | 10.0447% | 1,830 |
| Core capital (leverage) ratio | 10.0962% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3771% | 1,460 |
| Memoranda: | ||
| Average total assets | $131,638,667 | 3,554 |
| Average earning assets | $124,105,000 | 3,515 |
| Average equity | $12,631,667 | 3,473 |
| Average total loans | $86,203,333 | 3,348 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 654 |
| Cost of funding earning assets | 0.1432% | 4,160 |
| Net interest margin | 4.4110% | 344 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.9983% | 971 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.6155% | 666 |
| Return on assets (ROA) | 1.6155% | 638 |
| Pretax return on assets | 1.6155% | 1,133 |
| Return on Equity (ROE) | 18.1300% | 682 |
| Retained earnings to average equity (ytd only) | 7.7493% | 1,933 |
| Net charge-offs to loans | 0.0470% | 1,217 |
| Credit loss provision to net charge-offs | 743.5897% | 524 |
| Earnings coverage of net charge-offs (x) | 61.8974% | 1,231 |
| Efficiency ratio | 62.0201% | 2,762 |
| Assets per employee ($millions) | 4.2217% | 4,189 |
| Cash dividends to net income (ytd only)* | 57.2505% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 972 |
| Loan loss allowance to noncurrent loans | 446.5347% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 2,034 |
| Noncurrent loans to loans | 0.3593% | 1,857 |
| Net loans and leases to total assets | 61.4200% | 2,499 |
| Net loans and leases to deposits | 67.5538% | 2,765 |
| Net loans and leases to core deposits | 68.9871% | 2,945 |
| Total domestic deposits to total assets | 90.9200% | 988 |
| Equity capital to assets | 9.0603% | 2,322 |
| Core capital (leverage) ratio | 9.0011% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3260% | 1,526 |
| Memoranda: | ||
| Average total assets | $131,474,200 | 3,620 |
| Average earning assets | $124,303,600 | 3,576 |
| Average equity | $11,717,200 | 3,694 |
| Average total loans | $82,914,600 | 3,371 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 933 |
| Cost of funding earning assets | 0.1154% | 4,156 |
| Net interest margin | 4.0598% | 563 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.9613% | 956 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.3765% | 1,149 |
| Return on assets (ROA) | 1.3765% | 1,122 |
| Pretax return on assets | 1.3765% | 1,792 |
| Return on Equity (ROE) | 15.5100% | 1,078 |
| Retained earnings to average equity (ytd only) | 6.4441% | 2,577 |
| Net charge-offs to loans | 0.0307% | 1,221 |
| Credit loss provision to net charge-offs | 894.7368% | 443 |
| Earnings coverage of net charge-offs (x) | 79.8947% | 1,046 |
| Efficiency ratio | 65.6406% | 2,329 |
| Assets per employee ($millions) | 4.1744% | 4,238 |
| Cash dividends to net income (ytd only)* | 58.4570% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 1,393 |
| Loan loss allowance to noncurrent loans | 1,545.6790% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 3,305 |
| Noncurrent loans to loans | 0.0949% | 3,198 |
| Net loans and leases to total assets | 61.0300% | 2,399 |
| Net loans and leases to deposits | 66.9614% | 2,635 |
| Net loans and leases to core deposits | 68.2336% | 2,786 |
| Total domestic deposits to total assets | 91.1400% | 1,178 |
| Equity capital to assets | 8.6320% | 2,457 |
| Core capital (leverage) ratio | 8.7340% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4463% | 1,890 |
| Memoranda: | ||
| Average total assets | $130,569,000 | 3,654 |
| Average earning assets | $123,582,000 | 3,607 |
| Average equity | $11,586,500 | 3,756 |
| Average total loans | $82,560,750 | 3,387 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 1,166 |
| Cost of funding earning assets | 0.1024% | 4,167 |
| Net interest margin | 3.7706% | 801 |
| Noninterest income to average assets | 0.6600% | 1,499 |
| Noninterest expense to average assets | 2.8820% | 1,024 |
| Loan and lease loss provision to assets | 0.0546% | 1,598 |
| Net operating income to assets | 1.2858% | 1,180 |
| Return on assets (ROA) | 1.2858% | 1,164 |
| Pretax return on assets | 1.2858% | 1,793 |
| Return on Equity (ROE) | 14.3492% | 1,029 |
| Retained earnings to average equity (ytd only) | 5.6247% | 2,461 |
| Net charge-offs to loans | 0.0710% | 738 |
| Credit loss provision to net charge-offs | 120.6897% | 1,180 |
| Earnings coverage of net charge-offs (x) | 29.6207% | 1,393 |
| Efficiency ratio | 68.2557% | 2,203 |
| Assets per employee ($millions) | 3.9947% | 4,372 |
| Cash dividends to net income (ytd only)* | 60.8010% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,062 |
| Loan loss allowance to noncurrent loans | 832.3308% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 3,000 |
| Noncurrent loans to loans | 0.1594% | 2,901 |
| Net loans and leases to total assets | 62.4552% | 2,074 |
| Net loans and leases to deposits | 68.6092% | 2,335 |
| Net loans and leases to core deposits | 69.9012% | 2,497 |
| Total domestic deposits to total assets | 91.0305% | 1,225 |
| Equity capital to assets | 8.8413% | 2,508 |
| Core capital (leverage) ratio | 8.9179% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4833% | 1,873 |
| Memoranda: | ||
| Average total assets | $128,173,667 | 3,714 |
| Average earning assets | $121,096,333 | 3,684 |
| Average equity | $11,485,000 | 3,833 |
| Average total loans | $81,639,000 | 3,429 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 1,212 |
| Cost of funding earning assets | 0.0974% | 4,163 |
| Net interest margin | 3.6358% | 837 |
| Noninterest income to average assets | 0.6522% | 1,484 |
| Noninterest expense to average assets | 2.9031% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1777% | 1,307 |
| Return on assets (ROA) | 1.1777% | 1,306 |
| Pretax return on assets | 1.1777% | 1,885 |
| Return on Equity (ROE) | 13.0526% | 1,021 |
| Retained earnings to average equity (ytd only) | 4.7018% | 2,706 |
| Net charge-offs to loans | -0.0198% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1404% | 2,086 |
| Assets per employee ($millions) | 4.0198% | 4,391 |
| Cash dividends to net income (ytd only)* | 63.9785% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 2,200 |
| Loan loss allowance to noncurrent loans | 627.8409% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 2,834 |
| Noncurrent loans to loans | 0.2125% | 2,759 |
| Net loans and leases to total assets | 63.5130% | 1,688 |
| Net loans and leases to deposits | 69.7742% | 1,987 |
| Net loans and leases to core deposits | 71.1208% | 2,192 |
| Total domestic deposits to total assets | 91.0265% | 1,021 |
| Equity capital to assets | 8.9144% | 2,790 |
| Core capital (leverage) ratio | 9.0601% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1181% | 2,151 |
| Memoranda: | ||
| Average total assets | $126,348,500 | 3,752 |
| Average earning assets | $119,147,000 | 3,722 |
| Average equity | $11,400,000 | 3,915 |
| Average total loans | $80,739,500 | 3,448 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 2,112 |
| Cost of funding earning assets | 0.1083% | 4,321 |
| Net interest margin | 3.5914% | 1,490 |
| Noninterest income to average assets | 1.1989% | 735 |
| Noninterest expense to average assets | 2.9876% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5946% | 825 |
| Return on assets (ROA) | 1.5946% | 857 |
| Pretax return on assets | 1.5946% | 1,440 |
| Return on Equity (ROE) | 17.2314% | 554 |
| Retained earnings to average equity (ytd only) | 5.2526% | 2,691 |
| Net charge-offs to loans | -0.0148% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1999% | 2,371 |
| Assets per employee ($millions) | 3.7595% | 4,511 |
| Cash dividends to net income (ytd only)* | 69.5173% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 1,915 |
| Loan loss allowance to noncurrent loans | 1,172.3404% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 3,420 |
| Noncurrent loans to loans | 0.1195% | 3,332 |
| Net loans and leases to total assets | 62.5268% | 1,880 |
| Net loans and leases to deposits | 68.8360% | 2,238 |
| Net loans and leases to core deposits | 69.8998% | 2,453 |
| Total domestic deposits to total assets | 90.8344% | 562 |
| Equity capital to assets | 9.1349% | 3,476 |
| Core capital (leverage) ratio | 9.1909% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9281% | 1,877 |
| Memoranda: | ||
| Average total assets | $119,527,000 | 3,808 |
| Average earning assets | $112,600,800 | 3,783 |
| Average equity | $11,061,200 | 4,029 |
| Average total loans | $74,459,800 | 3,579 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 2,348 |
| Cost of funding earning assets | 0.1099% | 4,422 |
| Net interest margin | 3.5631% | 1,693 |
| Noninterest income to average assets | 1.3773% | 626 |
| Noninterest expense to average assets | 3.0294% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7061% | 817 |
| Return on assets (ROA) | 1.7061% | 856 |
| Pretax return on assets | 1.7061% | 1,387 |
| Return on Equity (ROE) | 18.3745% | 584 |
| Retained earnings to average equity (ytd only) | 5.2273% | 3,129 |
| Net charge-offs to loans | -0.0363% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9715% | 2,391 |
| Assets per employee ($millions) | 3.7225% | 4,566 |
| Cash dividends to net income (ytd only)* | 71.5512% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 1,798 |
| Loan loss allowance to noncurrent loans | 740.6667% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 3,301 |
| Noncurrent loans to loans | 0.1963% | 3,165 |
| Net loans and leases to total assets | 61.2978% | 2,104 |
| Net loans and leases to deposits | 67.6781% | 2,466 |
| Net loans and leases to core deposits | 69.0553% | 2,680 |
| Total domestic deposits to total assets | 90.5725% | 522 |
| Equity capital to assets | 9.1051% | 3,737 |
| Core capital (leverage) ratio | 9.2396% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4724% | 1,806 |
| Memoranda: | ||
| Average total assets | $118,393,250 | 3,865 |
| Average earning assets | $111,584,750 | 3,837 |
| Average equity | $10,993,250 | 4,087 |
| Average total loans | $73,406,250 | 3,645 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6792% | 2,394 |
| Cost of funding earning assets | 0.1145% | 4,474 |
| Net interest margin | 3.5647% | 1,671 |
| Noninterest income to average assets | 1.7535% | 408 |
| Noninterest expense to average assets | 2.9972% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1110% | 397 |
| Return on assets (ROA) | 2.1110% | 420 |
| Pretax return on assets | 2.1110% | 675 |
| Return on Equity (ROE) | 22.5814% | 286 |
| Retained earnings to average equity (ytd only) | 6.5146% | 2,619 |
| Net charge-offs to loans | -0.0497% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6738% | 3,191 |
| Assets per employee ($millions) | 3.5267% | 4,663 |
| Cash dividends to net income (ytd only)* | 71.1507% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,681 |
| Loan loss allowance to noncurrent loans | 1,680.3030% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,866 |
| Noncurrent loans to loans | 0.0876% | 3,743 |
| Net loans and leases to total assets | 61.9220% | 2,188 |
| Net loans and leases to deposits | 68.4086% | 2,575 |
| Net loans and leases to core deposits | 69.8147% | 2,804 |
| Total domestic deposits to total assets | 90.5178% | 549 |
| Equity capital to assets | 9.2645% | 3,545 |
| Core capital (leverage) ratio | 9.1583% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7725% | 1,703 |
| Memoranda: | ||
| Average total assets | $116,910,000 | 3,894 |
| Average earning assets | $110,024,667 | 3,874 |
| Average equity | $10,929,333 | 4,104 |
| Average total loans | $72,404,667 | 3,681 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 2,299 |
| Cost of funding earning assets | 0.1179% | 4,534 |
| Net interest margin | 3.6064% | 1,567 |
| Noninterest income to average assets | 1.7919% | 447 |
| Noninterest expense to average assets | 3.0638% | 886 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1211% | 472 |
| Return on assets (ROA) | 2.1211% | 514 |
| Pretax return on assets | 2.1211% | 779 |
| Return on Equity (ROE) | 22.5841% | 360 |
| Retained earnings to average equity (ytd only) | 6.3472% | 2,782 |
| Net charge-offs to loans | -0.0226% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0909% | 3,144 |
| Assets per employee ($millions) | 3.7186% | 4,615 |
| Cash dividends to net income (ytd only)* | 71.8954% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 1,480 |
| Loan loss allowance to noncurrent loans | 968.1416% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 3,715 |
| Noncurrent loans to loans | 0.1586% | 3,541 |
| Net loans and leases to total assets | 58.9524% | 2,679 |
| Net loans and leases to deposits | 65.0022% | 3,024 |
| Net loans and leases to core deposits | 66.4699% | 3,202 |
| Total domestic deposits to total assets | 90.6930% | 512 |
| Equity capital to assets | 9.1801% | 3,509 |
| Core capital (leverage) ratio | 9.5676% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,410,500 | 3,908 |
| Average earning assets | $108,584,500 | 3,889 |
| Average equity | $10,839,500 | 4,126 |
| Average total loans | $70,927,500 | 3,716 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 812 |
| Cost of funding earning assets | 0.1897% | 4,614 |
| Net interest margin | 4.5583% | 292 |
| Noninterest income to average assets | 0.6648% | 1,971 |
| Noninterest expense to average assets | 3.5553% | 641 |
| Loan and lease loss provision to assets | 0.1464% | 2,545 |
| Net operating income to assets | 1.2085% | 1,527 |
| Return on assets (ROA) | 1.2085% | 1,632 |
| Pretax return on assets | 1.2085% | 2,297 |
| Return on Equity (ROE) | 11.7732% | 1,387 |
| Retained earnings to average equity (ytd only) | 4.6979% | 2,422 |
| Net charge-offs to loans | 0.0403% | 2,254 |
| Credit loss provision to net charge-offs | 517.2414% | 1,225 |
| Earnings coverage of net charge-offs (x) | 47.8621% | 1,239 |
| Efficiency ratio | 72.4056% | 1,631 |
| Assets per employee ($millions) | 3.3886% | 4,694 |
| Cash dividends to net income (ytd only)* | 60.0969% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 1,446 |
| Loan loss allowance to noncurrent loans | 948.6957% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 3,794 |
| Noncurrent loans to loans | 0.1629% | 3,625 |
| Net loans and leases to total assets | 62.1677% | 2,587 |
| Net loans and leases to deposits | 68.8402% | 2,999 |
| Net loans and leases to core deposits | 70.3228% | 3,233 |
| Total domestic deposits to total assets | 90.3072% | 447 |
| Equity capital to assets | 9.6177% | 3,488 |
| Core capital (leverage) ratio | 9.9150% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9003% | 1,565 |
| Memoranda: | ||
| Average total assets | $102,438,600 | 3,964 |
| Average earning assets | $95,409,400 | 3,955 |
| Average equity | $10,515,400 | 4,151 |
| Average total loans | $71,929,000 | 3,688 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 603 |
| Cost of funding earning assets | 0.2065% | 4,648 |
| Net interest margin | 4.7945% | 207 |
| Noninterest income to average assets | 0.6780% | 1,865 |
| Noninterest expense to average assets | 3.7231% | 511 |
| Loan and lease loss provision to assets | 0.1998% | 1,991 |
| Net operating income to assets | 1.2095% | 1,613 |
| Return on assets (ROA) | 1.2095% | 1,735 |
| Pretax return on assets | 1.2095% | 2,357 |
| Return on Equity (ROE) | 11.5789% | 1,485 |
| Retained earnings to average equity (ytd only) | 4.5525% | 2,772 |
| Net charge-offs to loans | 0.0646% | 1,691 |
| Credit loss provision to net charge-offs | 428.5714% | 1,408 |
| Earnings coverage of net charge-offs (x) | 30.2286% | 1,574 |
| Efficiency ratio | 72.5409% | 1,576 |
| Assets per employee ($millions) | 3.2520% | 4,761 |
| Cash dividends to net income (ytd only)* | 60.6828% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,416 |
| Loan loss allowance to noncurrent loans | 1,178.2609% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 4,005 |
| Noncurrent loans to loans | 0.1265% | 3,875 |
| Net loans and leases to total assets | 66.7866% | 2,411 |
| Net loans and leases to deposits | 74.3794% | 2,918 |
| Net loans and leases to core deposits | 76.2452% | 3,150 |
| Total domestic deposits to total assets | 89.7917% | 504 |
| Equity capital to assets | 9.8952% | 3,339 |
| Core capital (leverage) ratio | 10.0060% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1694% | 1,774 |
| Memoranda: | ||
| Average total assets | $100,092,000 | 3,990 |
| Average earning assets | $92,994,000 | 3,985 |
| Average equity | $10,455,500 | 4,163 |
| Average total loans | $72,258,750 | 3,697 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 430 |
| Cost of funding earning assets | 0.2237% | 4,699 |
| Net interest margin | 5.1431% | 153 |
| Noninterest income to average assets | 0.6879% | 1,786 |
| Noninterest expense to average assets | 3.7468% | 536 |
| Loan and lease loss provision to assets | 0.3071% | 1,403 |
| Net operating income to assets | 1.3881% | 1,141 |
| Return on assets (ROA) | 1.3881% | 1,232 |
| Pretax return on assets | 1.3881% | 1,752 |
| Return on Equity (ROE) | 13.0372% | 1,089 |
| Retained earnings to average equity (ytd only) | 5.3072% | 2,346 |
| Net charge-offs to loans | 0.0860% | 1,390 |
| Credit loss provision to net charge-offs | 483.8710% | 1,262 |
| Earnings coverage of net charge-offs (x) | 26.7097% | 1,513 |
| Efficiency ratio | 68.8488% | 2,115 |
| Assets per employee ($millions) | 3.2729% | 4,756 |
| Cash dividends to net income (ytd only)* | 59.2920% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 1,375 |
| Loan loss allowance to noncurrent loans | 1,310.8434% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 4,129 |
| Noncurrent loans to loans | 0.1115% | 4,008 |
| Net loans and leases to total assets | 70.0193% | 2,023 |
| Net loans and leases to deposits | 78.0664% | 2,644 |
| Net loans and leases to core deposits | 79.8211% | 2,966 |
| Total domestic deposits to total assets | 89.6920% | 496 |
| Equity capital to assets | 10.0655% | 3,151 |
| Core capital (leverage) ratio | 10.3969% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,684,333 | 4,026 |
| Average earning assets | $90,295,000 | 4,021 |
| Average equity | $10,401,000 | 4,175 |
| Average total loans | $72,093,000 | 3,715 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 422 |
| Cost of funding earning assets | 0.2729% | 4,724 |
| Net interest margin | 5.1706% | 151 |
| Noninterest income to average assets | 0.7477% | 1,470 |
| Noninterest expense to average assets | 3.8233% | 602 |
| Loan and lease loss provision to assets | 0.2336% | 1,323 |
| Net operating income to assets | 1.4401% | 905 |
| Return on assets (ROA) | 1.4401% | 977 |
| Pretax return on assets | 1.4401% | 1,464 |
| Return on Equity (ROE) | 13.1262% | 860 |
| Retained earnings to average equity (ytd only) | 5.6919% | 1,996 |
| Net charge-offs to loans | 0.1297% | 938 |
| Credit loss provision to net charge-offs | 239.1304% | 1,313 |
| Earnings coverage of net charge-offs (x) | 17.1304% | 1,503 |
| Efficiency ratio | 69.5518% | 2,416 |
| Assets per employee ($millions) | 2.9787% | 4,807 |
| Cash dividends to net income (ytd only)* | 56.6372% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,751 |
| Loan loss allowance to noncurrent loans | 663.5762% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 3,866 |
| Noncurrent loans to loans | 0.2088% | 3,732 |
| Net loans and leases to total assets | 74.8295% | 1,480 |
| Net loans and leases to deposits | 84.1168% | 2,210 |
| Net loans and leases to core deposits | 85.6933% | 2,706 |
| Total domestic deposits to total assets | 88.9591% | 681 |
| Equity capital to assets | 10.9150% | 2,931 |
| Core capital (leverage) ratio | 11.1136% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7582% | 2,371 |
| Memoranda: | ||
| Average total assets | $94,159,500 | 4,075 |
| Average earning assets | $86,489,000 | 4,071 |
| Average equity | $10,330,500 | 4,204 |
| Average total loans | $70,928,500 | 3,745 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7355% | 374 |
| Cost of funding earning assets | 0.2773% | 4,779 |
| Net interest margin | 5.4582% | 121 |
| Noninterest income to average assets | 0.8083% | 1,425 |
| Noninterest expense to average assets | 3.9120% | 589 |
| Loan and lease loss provision to assets | 0.3075% | 533 |
| Net operating income to assets | 1.6254% | 788 |
| Return on assets (ROA) | 1.6254% | 842 |
| Pretax return on assets | 1.6254% | 1,411 |
| Return on Equity (ROE) | 14.8705% | 713 |
| Retained earnings to average equity (ytd only) | 5.8176% | 1,969 |
| Net charge-offs to loans | 0.4113% | 473 |
| Credit loss provision to net charge-offs | 99.2908% | 2,514 |
| Earnings coverage of net charge-offs (x) | 6.2411% | 2,992 |
| Efficiency ratio | 66.9297% | 2,630 |
| Assets per employee ($millions) | 2.9063% | 4,864 |
| Cash dividends to net income (ytd only)* | 60.8784% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,548 |
| Loan loss allowance to noncurrent loans | 580.2395% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 3,753 |
| Noncurrent loans to loans | 0.2402% | 3,586 |
| Net loans and leases to total assets | 73.7196% | 1,797 |
| Net loans and leases to deposits | 82.9051% | 2,454 |
| Net loans and leases to core deposits | 84.0804% | 2,940 |
| Total domestic deposits to total assets | 88.9205% | 699 |
| Equity capital to assets | 11.0289% | 2,968 |
| Core capital (leverage) ratio | 10.8755% | 2,614 |
| Tier 1 risk-based capital ratio | 12.4799% | 4,077 |
| Total risk-based capital ratio | 13.6589% | 3,994 |
| Memoranda: | ||
| Average total assets | $91,052,600 | 4,130 |
| Average earning assets | $84,021,000 | 4,124 |
| Average equity | $9,952,600 | 4,248 |
| Average total loans | $68,570,000 | 3,801 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7502% | 383 |
| Cost of funding earning assets | 0.2756% | 4,856 |
| Net interest margin | 5.4746% | 125 |
| Noninterest income to average assets | 0.8215% | 1,355 |
| Noninterest expense to average assets | 3.9676% | 549 |
| Loan and lease loss provision to assets | 0.3092% | 471 |
| Net operating income to assets | 1.6032% | 927 |
| Return on assets (ROA) | 1.6032% | 964 |
| Pretax return on assets | 1.6032% | 1,629 |
| Return on Equity (ROE) | 14.7012% | 846 |
| Retained earnings to average equity (ytd only) | 6.5879% | 2,065 |
| Net charge-offs to loans | 0.4878% | 347 |
| Credit loss provision to net charge-offs | 84.0000% | 2,454 |
| Earnings coverage of net charge-offs (x) | 5.1959% | 2,939 |
| Efficiency ratio | 67.4762% | 2,505 |
| Assets per employee ($millions) | 2.7936% | 4,977 |
| Cash dividends to net income (ytd only)* | 55.1882% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 1,747 |
| Loan loss allowance to noncurrent loans | 1,225.0000% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 4,309 |
| Noncurrent loans to loans | 0.1105% | 4,150 |
| Net loans and leases to total assets | 73.6197% | 1,891 |
| Net loans and leases to deposits | 83.1526% | 2,548 |
| Net loans and leases to core deposits | 83.5930% | 3,132 |
| Total domestic deposits to total assets | 88.5356% | 810 |
| Equity capital to assets | 11.0272% | 3,080 |
| Core capital (leverage) ratio | 11.2893% | 2,388 |
| Tier 1 risk-based capital ratio | 12.8096% | 3,953 |
| Total risk-based capital ratio | 13.9829% | 3,885 |
| Memoranda: | ||
| Average total assets | $90,565,500 | 4,190 |
| Average earning assets | $83,681,250 | 4,183 |
| Average equity | $9,876,500 | 4,299 |
| Average total loans | $68,330,250 | 3,844 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7044% | 404 |
| Cost of funding earning assets | 0.2766% | 4,884 |
| Net interest margin | 5.4278% | 146 |
| Noninterest income to average assets | 0.8042% | 1,334 |
| Noninterest expense to average assets | 3.9678% | 561 |
| Loan and lease loss provision to assets | 0.3999% | 301 |
| Net operating income to assets | 1.4507% | 1,295 |
| Return on assets (ROA) | 1.4507% | 1,346 |
| Pretax return on assets | 1.4507% | 2,027 |
| Return on Equity (ROE) | 13.3538% | 1,137 |
| Retained earnings to average equity (ytd only) | 5.2147% | 2,661 |
| Net charge-offs to loans | 0.7129% | 211 |
| Credit loss provision to net charge-offs | 74.0741% | 2,286 |
| Earnings coverage of net charge-offs (x) | 3.4280% | 2,844 |
| Efficiency ratio | 68.1940% | 2,505 |
| Assets per employee ($millions) | 2.7888% | 5,020 |
| Cash dividends to net income (ytd only)* | 60.9495% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 1,992 |
| Loan loss allowance to noncurrent loans | 1,976.0870% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 4,506 |
| Noncurrent loans to loans | 0.0660% | 4,385 |
| Net loans and leases to total assets | 77.0265% | 1,383 |
| Net loans and leases to deposits | 86.9719% | 2,134 |
| Net loans and leases to core deposits | 87.4377% | 2,853 |
| Total domestic deposits to total assets | 88.5648% | 849 |
| Equity capital to assets | 11.1315% | 2,920 |
| Core capital (leverage) ratio | 11.2085% | 2,413 |
| Tier 1 risk-based capital ratio | 12.2967% | 4,243 |
| Total risk-based capital ratio | 13.4220% | 4,201 |
| Memoranda: | ||
| Average total assets | $90,024,000 | 4,224 |
| Average earning assets | $83,164,330 | 4,215 |
| Average equity | $9,780,000 | 4,331 |
| Average total loans | $68,173,330 | 3,872 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5067% | 521 |
| Cost of funding earning assets | 0.2729% | 4,923 |
| Net interest margin | 5.2337% | 190 |
| Noninterest income to average assets | 0.7432% | 1,449 |
| Noninterest expense to average assets | 3.7118% | 744 |
| Loan and lease loss provision to assets | 0.5309% | 199 |
| Net operating income to assets | 1.3361% | 1,576 |
| Return on assets (ROA) | 1.3361% | 1,614 |
| Pretax return on assets | 1.3361% | 2,308 |
| Return on Equity (ROE) | 12.4498% | 1,397 |
| Retained earnings to average equity (ytd only) | 4.3286% | 3,192 |
| Net charge-offs to loans | 1.1389% | 112 |
| Credit loss provision to net charge-offs | 62.5000% | 1,897 |
| Earnings coverage of net charge-offs (x) | 2.1979% | 2,518 |
| Efficiency ratio | 66.5345% | 2,865 |
| Assets per employee ($millions) | 2.8220% | 5,062 |
| Cash dividends to net income (ytd only)* | 65.2318% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 2,018 |
| Loan loss allowance to noncurrent loans | 691.5385% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 4,082 |
| Noncurrent loans to loans | 0.1902% | 3,906 |
| Net loans and leases to total assets | 74.6755% | 1,693 |
| Net loans and leases to deposits | 83.9140% | 2,398 |
| Net loans and leases to core deposits | 84.3549% | 2,993 |
| Total domestic deposits to total assets | 88.9905% | 862 |
| Equity capital to assets | 10.8168% | 3,030 |
| Core capital (leverage) ratio | 10.9793% | 2,593 |
| Tier 1 risk-based capital ratio | 13.1477% | 3,803 |
| Total risk-based capital ratio | 14.3560% | 3,733 |
| Memoranda: | ||
| Average total assets | $90,415,000 | 4,257 |
| Average earning assets | $83,535,000 | 4,257 |
| Average equity | $9,703,000 | 4,371 |
| Average total loans | $67,435,500 | 3,934 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5189% | 380 |
| Cost of funding earning assets | 0.2112% | 4,958 |
| Net interest margin | 5.3077% | 157 |
| Noninterest income to average assets | 0.7928% | 1,474 |
| Noninterest expense to average assets | 3.7567% | 722 |
| Loan and lease loss provision to assets | 0.2860% | 569 |
| Net operating income to assets | 1.6821% | 719 |
| Return on assets (ROA) | 1.6821% | 716 |
| Pretax return on assets | 1.6821% | 1,211 |
| Return on Equity (ROE) | 16.0486% | 626 |
| Retained earnings to average equity (ytd only) | 6.3767% | 1,987 |
| Net charge-offs to loans | 0.1768% | 1,090 |
| Credit loss provision to net charge-offs | 216.1017% | 1,339 |
| Earnings coverage of net charge-offs (x) | 14.8729% | 2,358 |
| Efficiency ratio | 65.6219% | 2,930 |
| Assets per employee ($millions) | 2.8289% | 5,079 |
| Cash dividends to net income (ytd only)* | 60.2667% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 1,419 |
| Loan loss allowance to noncurrent loans | 660.5442% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 4,013 |
| Noncurrent loans to loans | 0.2209% | 3,785 |
| Net loans and leases to total assets | 72.4278% | 2,186 |
| Net loans and leases to deposits | 81.1189% | 2,837 |
| Net loans and leases to core deposits | 81.5345% | 3,300 |
| Total domestic deposits to total assets | 89.2860% | 739 |
| Equity capital to assets | 10.6467% | 3,032 |
| Core capital (leverage) ratio | 10.7411% | 2,799 |
| Tier 1 risk-based capital ratio | 11.9109% | 4,489 |
| Total risk-based capital ratio | 13.1060% | 4,407 |
| Memoranda: | ||
| Average total assets | $89,174,800 | 4,283 |
| Average earning assets | $82,861,200 | 4,267 |
| Average equity | $9,346,600 | 4,414 |
| Average total loans | $66,738,000 | 3,943 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4501% | 401 |
| Cost of funding earning assets | 0.1983% | 5,024 |
| Net interest margin | 5.2518% | 166 |
| Noninterest income to average assets | 0.7834% | 1,526 |
| Noninterest expense to average assets | 3.7236% | 737 |
| Loan and lease loss provision to assets | 0.3122% | 460 |
| Net operating income to assets | 1.6374% | 874 |
| Return on assets (ROA) | 1.6374% | 879 |
| Pretax return on assets | 1.6374% | 1,456 |
| Return on Equity (ROE) | 15.6855% | 749 |
| Retained earnings to average equity (ytd only) | 6.8723% | 2,195 |
| Net charge-offs to loans | 0.1677% | 986 |
| Credit loss provision to net charge-offs | 247.6190% | 1,190 |
| Earnings coverage of net charge-offs (x) | 15.4639% | 2,222 |
| Efficiency ratio | 65.6349% | 2,934 |
| Assets per employee ($millions) | 2.7037% | 5,210 |
| Cash dividends to net income (ytd only)* | 56.1868% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,538 |
| Loan loss allowance to noncurrent loans | 332.2917% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 3,392 |
| Noncurrent loans to loans | 0.4350% | 3,101 |
| Net loans and leases to total assets | 73.1409% | 2,140 |
| Net loans and leases to deposits | 82.2125% | 2,790 |
| Net loans and leases to core deposits | 82.6415% | 3,284 |
| Total domestic deposits to total assets | 88.9656% | 856 |
| Equity capital to assets | 10.6522% | 2,984 |
| Core capital (leverage) ratio | 10.6658% | 2,919 |
| Tier 1 risk-based capital ratio | 12.0583% | 4,473 |
| Total risk-based capital ratio | 13.2656% | 4,379 |
| Memoranda: | ||
| Average total assets | $88,837,000 | 4,329 |
| Average earning assets | $82,712,250 | 4,310 |
| Average equity | $9,273,750 | 4,464 |
| Average total loans | $66,788,250 | 3,976 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3652% | 414 |
| Cost of funding earning assets | 0.1962% | 5,046 |
| Net interest margin | 5.1690% | 181 |
| Noninterest income to average assets | 0.7733% | 1,557 |
| Noninterest expense to average assets | 3.6479% | 823 |
| Loan and lease loss provision to assets | 0.3269% | 418 |
| Net operating income to assets | 1.6098% | 900 |
| Return on assets (ROA) | 1.6098% | 909 |
| Pretax return on assets | 1.6098% | 1,474 |
| Return on Equity (ROE) | 15.5268% | 753 |
| Retained earnings to average equity (ytd only) | 6.7413% | 2,192 |
| Net charge-offs to loans | 0.0239% | 2,390 |
| Credit loss provision to net charge-offs | 1,812.5000% | 234 |
| Earnings coverage of net charge-offs (x) | 107.3750% | 665 |
| Efficiency ratio | 65.3210% | 3,096 |
| Assets per employee ($millions) | 2.9040% | 5,161 |
| Cash dividends to net income (ytd only)* | 56.5826% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,570 |
| Loan loss allowance to noncurrent loans | 822.8814% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 4,344 |
| Noncurrent loans to loans | 0.1758% | 4,114 |
| Net loans and leases to total assets | 73.4634% | 2,043 |
| Net loans and leases to deposits | 82.2358% | 2,745 |
| Net loans and leases to core deposits | 82.6334% | 3,194 |
| Total domestic deposits to total assets | 89.3327% | 800 |
| Equity capital to assets | 10.3807% | 3,237 |
| Core capital (leverage) ratio | 10.6987% | 2,809 |
| Tier 1 risk-based capital ratio | 11.8120% | 4,617 |
| Total risk-based capital ratio | 13.0333% | 4,510 |
| Memoranda: | ||
| Average total assets | $88,709,000 | 4,371 |
| Average earning assets | $82,568,670 | 4,352 |
| Average equity | $9,197,000 | 4,514 |
| Average total loans | $66,979,670 | 4,001 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 388 |
| Cost of funding earning assets | 0.1903% | 5,076 |
| Net interest margin | 5.1387% | 176 |
| Noninterest income to average assets | 0.7450% | 1,641 |
| Noninterest expense to average assets | 3.6297% | 840 |
| Loan and lease loss provision to assets | 0.3407% | 361 |
| Net operating income to assets | 1.5582% | 936 |
| Return on assets (ROA) | 1.5582% | 946 |
| Pretax return on assets | 1.5582% | 1,504 |
| Return on Equity (ROE) | 15.0389% | 797 |
| Retained earnings to average equity (ytd only) | 6.4014% | 2,548 |
| Net charge-offs to loans | 0.0897% | 1,265 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 27.8667% | 1,292 |
| Efficiency ratio | 65.6532% | 3,228 |
| Assets per employee ($millions) | 2.8301% | 5,268 |
| Cash dividends to net income (ytd only)* | 57.4344% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,189 |
| Loan loss allowance to noncurrent loans | 562.2642% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 4,180 |
| Noncurrent loans to loans | 0.2333% | 3,934 |
| Net loans and leases to total assets | 76.6644% | 1,431 |
| Net loans and leases to deposits | 85.7733% | 2,191 |
| Net loans and leases to core deposits | 86.1976% | 2,791 |
| Total domestic deposits to total assets | 89.3803% | 928 |
| Equity capital to assets | 10.4693% | 3,108 |
| Core capital (leverage) ratio | 10.3629% | 3,103 |
| Tier 1 risk-based capital ratio | 11.3895% | 4,931 |
| Total risk-based capital ratio | 12.4931% | 4,902 |
| Memoranda: | ||
| Average total assets | $88,052,000 | 4,429 |
| Average earning assets | $81,966,000 | 4,407 |
| Average equity | $9,123,000 | 4,568 |
| Average total loans | $66,917,000 | 4,036 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1945% | 451 |
| Cost of funding earning assets | 0.1457% | 5,285 |
| Net interest margin | 5.0489% | 219 |
| Noninterest income to average assets | 0.8032% | 1,554 |
| Noninterest expense to average assets | 3.6983% | 792 |
| Loan and lease loss provision to assets | 0.1912% | 1,097 |
| Net operating income to assets | 1.5739% | 685 |
| Return on assets (ROA) | 1.5739% | 700 |
| Pretax return on assets | 1.5739% | 1,369 |
| Return on Equity (ROE) | 15.4367% | 553 |
| Retained earnings to average equity (ytd only) | 5.8428% | 1,629 |
| Net charge-offs to loans | 0.0891% | 2,201 |
| Credit loss provision to net charge-offs | 284.4828% | 990 |
| Earnings coverage of net charge-offs (x) | 26.2586% | 1,684 |
| Efficiency ratio | 67.6920% | 2,952 |
| Assets per employee ($millions) | 2.6779% | 5,390 |
| Cash dividends to net income (ytd only)* | 62.1502% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,378 |
| Loan loss allowance to noncurrent loans | 772.2222% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,515 |
| Noncurrent loans to loans | 0.1644% | 4,272 |
| Net loans and leases to total assets | 73.3793% | 2,030 |
| Net loans and leases to deposits | 81.7957% | 2,741 |
| Net loans and leases to core deposits | 82.1959% | 3,231 |
| Total domestic deposits to total assets | 89.7104% | 673 |
| Equity capital to assets | 10.2534% | 3,430 |
| Core capital (leverage) ratio | 10.0635% | 3,371 |
| Tier 1 risk-based capital ratio | 11.6523% | 4,752 |
| Total risk-based capital ratio | 12.7225% | 4,763 |
| Memoranda: | ||
| Average total assets | $86,283,200 | 4,481 |
| Average earning assets | $79,641,400 | 4,472 |
| Average equity | $8,797,200 | 4,648 |
| Average total loans | $65,095,000 | 4,066 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 442 |
| Cost of funding earning assets | 0.1383% | 5,381 |
| Net interest margin | 5.0305% | 215 |
| Noninterest income to average assets | 0.7991% | 1,596 |
| Noninterest expense to average assets | 3.7918% | 677 |
| Loan and lease loss provision to assets | 0.1710% | 1,180 |
| Net operating income to assets | 1.4738% | 950 |
| Return on assets (ROA) | 1.4738% | 969 |
| Pretax return on assets | 1.4738% | 1,867 |
| Return on Equity (ROE) | 14.4764% | 738 |
| Retained earnings to average equity (ytd only) | 4.9476% | 2,922 |
| Net charge-offs to loans | 0.0452% | 2,538 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 48.0951% | 1,142 |
| Efficiency ratio | 69.7455% | 2,578 |
| Assets per employee ($millions) | 2.7123% | 5,432 |
| Cash dividends to net income (ytd only)* | 65.8228% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,450 |
| Loan loss allowance to noncurrent loans | 476.6082% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 4,340 |
| Noncurrent loans to loans | 0.2689% | 3,994 |
| Net loans and leases to total assets | 70.1271% | 2,538 |
| Net loans and leases to deposits | 78.1581% | 3,147 |
| Net loans and leases to core deposits | 78.5356% | 3,586 |
| Total domestic deposits to total assets | 89.7247% | 565 |
| Equity capital to assets | 9.9323% | 3,989 |
| Core capital (leverage) ratio | 10.3236% | 3,172 |
| Tier 1 risk-based capital ratio | 11.7195% | 4,821 |
| Total risk-based capital ratio | 12.7938% | 4,819 |
| Memoranda: | ||
| Average total assets | $85,761,250 | 4,534 |
| Average earning assets | $79,062,750 | 4,521 |
| Average equity | $8,731,250 | 4,707 |
| Average total loans | $64,948,750 | 4,102 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1740% | 416 |
| Cost of funding earning assets | 0.1360% | 5,414 |
| Net interest margin | 5.0380% | 207 |
| Noninterest income to average assets | 0.8022% | 1,566 |
| Noninterest expense to average assets | 3.8834% | 604 |
| Loan and lease loss provision to assets | 0.1538% | 1,308 |
| Net operating income to assets | 1.4104% | 1,044 |
| Return on assets (ROA) | 1.4104% | 1,071 |
| Pretax return on assets | 1.4104% | 1,981 |
| Return on Equity (ROE) | 13.7354% | 862 |
| Retained earnings to average equity (ytd only) | 5.3467% | 2,500 |
| Net charge-offs to loans | 0.0214% | 2,795 |
| Credit loss provision to net charge-offs | 928.5714% | 407 |
| Earnings coverage of net charge-offs (x) | 94.4286% | 681 |
| Efficiency ratio | 71.2858% | 2,472 |
| Assets per employee ($millions) | 2.5420% | 5,534 |
| Cash dividends to net income (ytd only)* | 61.0738% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 3,095 |
| Loan loss allowance to noncurrent loans | 519.8675% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 4,454 |
| Noncurrent loans to loans | 0.2286% | 4,210 |
| Net loans and leases to total assets | 77.8089% | 1,273 |
| Net loans and leases to deposits | 87.1568% | 2,084 |
| Net loans and leases to core deposits | 87.6072% | 2,739 |
| Total domestic deposits to total assets | 89.2746% | 816 |
| Equity capital to assets | 10.4894% | 3,362 |
| Core capital (leverage) ratio | 10.5270% | 2,883 |
| Tier 1 risk-based capital ratio | 11.4367% | 4,997 |
| Total risk-based capital ratio | 12.4568% | 5,033 |
| Memoranda: | ||
| Average total assets | $84,513,000 | 4,583 |
| Average earning assets | $77,927,670 | 4,567 |
| Average equity | $8,678,330 | 4,742 |
| Average total loans | $65,404,000 | 4,118 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 483 |
| Cost of funding earning assets | 0.1227% | 5,544 |
| Net interest margin | 4.9235% | 253 |
| Noninterest income to average assets | 0.7639% | 1,693 |
| Noninterest expense to average assets | 3.8195% | 665 |
| Loan and lease loss provision to assets | 0.1415% | 1,333 |
| Net operating income to assets | 1.3439% | 1,129 |
| Return on assets (ROA) | 1.3439% | 1,163 |
| Pretax return on assets | 1.3439% | 2,082 |
| Return on Equity (ROE) | 13.2281% | 952 |
| Retained earnings to average equity (ytd only) | 5.1984% | 2,787 |
| Net charge-offs to loans | -0.0738% | 5,348 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0000% | 2,574 |
| Assets per employee ($millions) | 2.5724% | 5,601 |
| Cash dividends to net income (ytd only)* | 60.7018% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 3,379 |
| Loan loss allowance to noncurrent loans | 578.1955% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 4,630 |
| Noncurrent loans to loans | 0.1999% | 4,404 |
| Net loans and leases to total assets | 77.4635% | 1,204 |
| Net loans and leases to deposits | 86.4304% | 1,984 |
| Net loans and leases to core deposits | 86.8700% | 2,647 |
| Total domestic deposits to total assets | 89.6253% | 844 |
| Equity capital to assets | 10.2169% | 3,497 |
| Core capital (leverage) ratio | 10.1888% | 3,252 |
| Tier 1 risk-based capital ratio | 12.7642% | 4,219 |
| Total risk-based capital ratio | 13.8959% | 4,200 |
| Memoranda: | ||
| Average total assets | $84,827,000 | 4,625 |
| Average earning assets | $78,237,000 | 4,606 |
| Average equity | $8,618,000 | 4,791 |
| Average total loans | $65,078,500 | 4,154 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 833 |
| Cost of funding earning assets | 0.1260% | 5,581 |
| Net interest margin | 4.7066% | 419 |
| Noninterest income to average assets | 0.8197% | 1,681 |
| Noninterest expense to average assets | 3.7524% | 821 |
| Loan and lease loss provision to assets | 0.0952% | 2,460 |
| Net operating income to assets | 1.3265% | 1,154 |
| Return on assets (ROA) | 1.3265% | 1,208 |
| Pretax return on assets | 1.3265% | 2,190 |
| Return on Equity (ROE) | 13.1446% | 961 |
| Retained earnings to average equity (ytd only) | 2.8175% | 3,898 |
| Net charge-offs to loans | 0.0658% | 2,757 |
| Credit loss provision to net charge-offs | 195.1220% | 1,447 |
| Earnings coverage of net charge-offs (x) | 29.1463% | 1,455 |
| Efficiency ratio | 72.5224% | 2,503 |
| Assets per employee ($millions) | 2.4931% | 5,660 |
| Cash dividends to net income (ytd only)* | 78.5650% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 3,476 |
| Loan loss allowance to noncurrent loans | 430.1775% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 4,524 |
| Noncurrent loans to loans | 0.2656% | 4,203 |
| Net loans and leases to total assets | 74.2087% | 1,814 |
| Net loans and leases to deposits | 82.5878% | 2,600 |
| Net loans and leases to core deposits | 82.9910% | 3,127 |
| Total domestic deposits to total assets | 89.8543% | 700 |
| Equity capital to assets | 10.1020% | 3,603 |
| Core capital (leverage) ratio | 10.2308% | 3,191 |
| Tier 1 risk-based capital ratio | 12.9380% | 4,111 |
| Total risk-based capital ratio | 14.0364% | 4,100 |
| Memoranda: | ||
| Average total assets | $84,053,800 | 4,650 |
| Average earning assets | $77,763,400 | 4,632 |
| Average equity | $8,482,600 | 4,845 |
| Average total loans | $62,325,000 | 4,216 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 861 |
| Cost of funding earning assets | 0.1253% | 5,648 |
| Net interest margin | 4.6951% | 434 |
| Noninterest income to average assets | 0.8393% | 1,610 |
| Noninterest expense to average assets | 3.7785% | 762 |
| Loan and lease loss provision to assets | 0.0715% | 2,783 |
| Net operating income to assets | 1.3369% | 1,194 |
| Return on assets (ROA) | 1.3369% | 1,278 |
| Pretax return on assets | 1.3369% | 2,283 |
| Return on Equity (ROE) | 13.2503% | 980 |
| Retained earnings to average equity (ytd only) | 1.9694% | 4,703 |
| Net charge-offs to loans | 0.0624% | 2,461 |
| Credit loss provision to net charge-offs | 155.1724% | 1,734 |
| Earnings coverage of net charge-offs (x) | 30.5482% | 1,471 |
| Efficiency ratio | 72.8471% | 2,456 |
| Assets per employee ($millions) | 2.4539% | 5,752 |
| Cash dividends to net income (ytd only)* | 85.1361% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 3,647 |
| Loan loss allowance to noncurrent loans | 521.4815% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 4,786 |
| Noncurrent loans to loans | 0.2176% | 4,486 |
| Net loans and leases to total assets | 73.5192% | 1,948 |
| Net loans and leases to deposits | 82.1690% | 2,708 |
| Net loans and leases to core deposits | 82.5783% | 3,241 |
| Total domestic deposits to total assets | 89.4731% | 679 |
| Equity capital to assets | 10.1517% | 3,981 |
| Core capital (leverage) ratio | 10.3611% | 3,146 |
| Tier 1 risk-based capital ratio | 13.0911% | 4,105 |
| Total risk-based capital ratio | 14.1813% | 4,111 |
| Memoranda: | ||
| Average total assets | $83,876,000 | 4,687 |
| Average earning assets | $77,668,000 | 4,674 |
| Average equity | $8,462,500 | 4,901 |
| Average total loans | $61,998,750 | 4,258 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,006 |
| Cost of funding earning assets | 0.1255% | 5,727 |
| Net interest margin | 4.5956% | 515 |
| Noninterest income to average assets | 0.8188% | 1,647 |
| Noninterest expense to average assets | 3.6728% | 913 |
| Loan and lease loss provision to assets | 0.0238% | 3,654 |
| Net operating income to assets | 1.3949% | 1,068 |
| Return on assets (ROA) | 1.3949% | 1,130 |
| Pretax return on assets | 1.3949% | 2,052 |
| Return on Equity (ROE) | 13.8534% | 861 |
| Retained earnings to average equity (ytd only) | 5.2719% | 2,568 |
| Net charge-offs to loans | 0.0516% | 2,462 |
| Credit loss provision to net charge-offs | 62.5000% | 2,547 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 1,206 |
| Efficiency ratio | 72.1365% | 2,626 |
| Assets per employee ($millions) | 2.4784% | 5,798 |
| Cash dividends to net income (ytd only)* | 61.9454% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 4,118 |
| Loan loss allowance to noncurrent loans | 463.9456% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 4,776 |
| Noncurrent loans to loans | 0.2302% | 4,520 |
| Net loans and leases to total assets | 77.2461% | 1,297 |
| Net loans and leases to deposits | 86.5476% | 2,182 |
| Net loans and leases to core deposits | 86.9765% | 2,819 |
| Total domestic deposits to total assets | 89.2527% | 786 |
| Equity capital to assets | 10.4820% | 3,655 |
| Core capital (leverage) ratio | 10.3726% | 3,108 |
| Tier 1 risk-based capital ratio | 13.0904% | 4,148 |
| Total risk-based capital ratio | 14.1342% | 4,183 |
| Memoranda: | ||
| Average total assets | $84,023,330 | 4,720 |
| Average earning assets | $78,118,670 | 4,698 |
| Average equity | $8,460,000 | 4,929 |
| Average total loans | $61,983,670 | 4,285 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 1,264 |
| Cost of funding earning assets | 0.1261% | 5,781 |
| Net interest margin | 4.4737% | 639 |
| Noninterest income to average assets | 0.8128% | 1,581 |
| Noninterest expense to average assets | 3.5612% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4188% | 1,012 |
| Return on assets (ROA) | 1.4188% | 1,066 |
| Pretax return on assets | 1.4188% | 1,850 |
| Return on Equity (ROE) | 14.3750% | 769 |
| Retained earnings to average equity (ytd only) | 5.5691% | 2,603 |
| Net charge-offs to loans | -0.0983% | 5,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5094% | 2,872 |
| Assets per employee ($millions) | 2.5561% | 5,820 |
| Cash dividends to net income (ytd only)* | 61.2583% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,806 |
| Loan loss allowance to noncurrent loans | 1,378.4314% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 5,362 |
| Noncurrent loans to loans | 0.0830% | 5,148 |
| Net loans and leases to total assets | 71.9980% | 2,041 |
| Net loans and leases to deposits | 80.1613% | 2,769 |
| Net loans and leases to core deposits | 80.5440% | 3,280 |
| Total domestic deposits to total assets | 89.8164% | 670 |
| Equity capital to assets | 10.0366% | 4,033 |
| Core capital (leverage) ratio | 9.8859% | 3,680 |
| Tier 1 risk-based capital ratio | 11.6589% | 5,129 |
| Total risk-based capital ratio | 12.6292% | 5,200 |
| Memoranda: | ||
| Average total assets | $85,141,000 | 4,748 |
| Average earning assets | $79,308,000 | 4,721 |
| Average equity | $8,403,500 | 4,974 |
| Average total loans | $61,045,500 | 4,341 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 1,032 |
| Cost of funding earning assets | 0.1318% | 5,803 |
| Net interest margin | 4.6055% | 541 |
| Noninterest income to average assets | 0.7932% | 1,813 |
| Noninterest expense to average assets | 3.5916% | 1,142 |
| Loan and lease loss provision to assets | 0.1425% | 1,667 |
| Net operating income to assets | 1.3183% | 1,228 |
| Return on assets (ROA) | 1.3183% | 1,271 |
| Pretax return on assets | 1.3183% | 2,208 |
| Return on Equity (ROE) | 13.4268% | 963 |
| Retained earnings to average equity (ytd only) | 4.8322% | 2,542 |
| Net charge-offs to loans | 0.0718% | 2,807 |
| Credit loss provision to net charge-offs | 274.4186% | 1,057 |
| Earnings coverage of net charge-offs (x) | 28.1395% | 1,518 |
| Efficiency ratio | 71.0872% | 3,054 |
| Assets per employee ($millions) | 2.6040% | 5,840 |
| Cash dividends to net income (ytd only)* | 64.0110% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,839 |
| Loan loss allowance to noncurrent loans | 625.4545% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 5,085 |
| Noncurrent loans to loans | 0.1813% | 4,768 |
| Net loans and leases to total assets | 69.7874% | 2,401 |
| Net loans and leases to deposits | 77.3135% | 3,126 |
| Net loans and leases to core deposits | 77.6640% | 3,585 |
| Total domestic deposits to total assets | 90.2654% | 519 |
| Equity capital to assets | 9.7066% | 4,295 |
| Core capital (leverage) ratio | 9.5690% | 4,085 |
| Tier 1 risk-based capital ratio | 13.5005% | 4,008 |
| Total risk-based capital ratio | 14.6141% | 4,015 |
| Memoranda: | ||
| Average total assets | $82,833,000 | 4,811 |
| Average earning assets | $76,604,400 | 4,796 |
| Average equity | $8,133,000 | 5,035 |
| Average total loans | $59,866,600 | 4,382 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7866% | 958 |
| Cost of funding earning assets | 0.1320% | 5,902 |
| Net interest margin | 4.6546% | 493 |
| Noninterest income to average assets | 0.7864% | 1,849 |
| Noninterest expense to average assets | 3.5843% | 1,147 |
| Loan and lease loss provision to assets | 0.1755% | 1,208 |
| Net operating income to assets | 1.3242% | 1,279 |
| Return on assets (ROA) | 1.3242% | 1,338 |
| Pretax return on assets | 1.3242% | 2,303 |
| Return on Equity (ROE) | 13.4469% | 1,019 |
| Retained earnings to average equity (ytd only) | 4.8177% | 3,035 |
| Net charge-offs to loans | 0.0693% | 2,570 |
| Credit loss provision to net charge-offs | 348.3871% | 846 |
| Earnings coverage of net charge-offs (x) | 29.7759% | 1,504 |
| Efficiency ratio | 70.5018% | 3,136 |
| Assets per employee ($millions) | 2.7117% | 5,827 |
| Cash dividends to net income (ytd only)* | 64.1721% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 3,851 |
| Loan loss allowance to noncurrent loans | 841.4634% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 5,370 |
| Noncurrent loans to loans | 0.1382% | 5,081 |
| Net loans and leases to total assets | 67.5744% | 2,756 |
| Net loans and leases to deposits | 74.8685% | 3,437 |
| Net loans and leases to core deposits | 75.2046% | 3,881 |
| Total domestic deposits to total assets | 90.2575% | 485 |
| Equity capital to assets | 9.5052% | 4,745 |
| Core capital (leverage) ratio | 9.7130% | 4,017 |
| Tier 1 risk-based capital ratio | 11.7899% | 5,210 |
| Total risk-based capital ratio | 12.7762% | 5,282 |
| Memoranda: | ||
| Average total assets | $82,058,500 | 4,883 |
| Average earning assets | $75,765,500 | 4,873 |
| Average equity | $8,081,000 | 5,110 |
| Average total loans | $59,669,000 | 4,432 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 756 |
| Cost of funding earning assets | 0.1321% | 5,971 |
| Net interest margin | 4.7539% | 397 |
| Noninterest income to average assets | 0.7877% | 1,834 |
| Noninterest expense to average assets | 3.6702% | 1,027 |
| Loan and lease loss provision to assets | 0.1739% | 1,198 |
| Net operating income to assets | 1.3269% | 1,248 |
| Return on assets (ROA) | 1.3269% | 1,295 |
| Pretax return on assets | 1.3269% | 2,254 |
| Return on Equity (ROE) | 13.3079% | 1,053 |
| Retained earnings to average equity (ytd only) | 4.7101% | 3,048 |
| Net charge-offs to loans | 0.0201% | 3,280 |
| Credit loss provision to net charge-offs | 1,166.6667% | 305 |
| Earnings coverage of net charge-offs (x) | 100.6667% | 595 |
| Efficiency ratio | 70.9755% | 3,159 |
| Assets per employee ($millions) | 2.6582% | 5,946 |
| Cash dividends to net income (ytd only)* | 64.6067% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 4,309 |
| Loan loss allowance to noncurrent loans | 1,611.9048% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,659 |
| Noncurrent loans to loans | 0.0684% | 5,463 |
| Net loans and leases to total assets | 71.4267% | 2,081 |
| Net loans and leases to deposits | 79.1963% | 2,884 |
| Net loans and leases to core deposits | 79.5624% | 3,436 |
| Total domestic deposits to total assets | 90.1895% | 583 |
| Equity capital to assets | 9.5566% | 4,586 |
| Core capital (leverage) ratio | 9.9132% | 3,721 |
| Tier 1 risk-based capital ratio | 13.0067% | 4,519 |
| Total risk-based capital ratio | 14.0906% | 4,523 |
| Memoranda: | ||
| Average total assets | $80,486,670 | 4,967 |
| Average earning assets | $74,213,330 | 4,956 |
| Average equity | $8,025,330 | 5,160 |
| Average total loans | $59,783,000 | 4,471 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 659 |
| Cost of funding earning assets | 0.1393% | 6,001 |
| Net interest margin | 4.7866% | 362 |
| Noninterest income to average assets | 0.8082% | 1,684 |
| Noninterest expense to average assets | 3.8875% | 785 |
| Loan and lease loss provision to assets | 0.1790% | 1,075 |
| Net operating income to assets | 1.1356% | 1,741 |
| Return on assets (ROA) | 1.1356% | 1,850 |
| Pretax return on assets | 1.1356% | 2,925 |
| Return on Equity (ROE) | 11.1369% | 1,598 |
| Retained earnings to average equity (ytd only) | 3.2106% | 4,064 |
| Net charge-offs to loans | 0.0339% | 2,524 |
| Credit loss provision to net charge-offs | 700.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 51.4000% | 821 |
| Efficiency ratio | 74.7296% | 2,701 |
| Assets per employee ($millions) | 2.3423% | 6,179 |
| Cash dividends to net income (ytd only)* | 71.1712% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 4,639 |
| Loan loss allowance to noncurrent loans | 255.1587% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 4,721 |
| Noncurrent loans to loans | 0.4209% | 4,331 |
| Net loans and leases to total assets | 74.3653% | 1,446 |
| Net loans and leases to deposits | 82.7819% | 2,235 |
| Net loans and leases to core deposits | 83.1924% | 2,848 |
| Total domestic deposits to total assets | 89.8327% | 820 |
| Equity capital to assets | 10.0668% | 4,066 |
| Core capital (leverage) ratio | 10.2527% | 3,279 |
| Tier 1 risk-based capital ratio | 13.4405% | 4,356 |
| Total risk-based capital ratio | 14.5185% | 4,368 |
| Memoranda: | ||
| Average total assets | $78,199,000 | 5,065 |
| Average earning assets | $71,784,000 | 5,053 |
| Average equity | $7,973,500 | 5,219 |
| Average total loans | $58,957,500 | 4,521 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8706% | 972 |
| Cost of funding earning assets | 0.1425% | 6,142 |
| Net interest margin | 4.7282% | 500 |
| Noninterest income to average assets | 0.8827% | 1,558 |
| Noninterest expense to average assets | 3.7482% | 1,067 |
| Loan and lease loss provision to assets | 0.0867% | 2,739 |
| Net operating income to assets | 1.3401% | 1,208 |
| Return on assets (ROA) | 1.3401% | 1,257 |
| Pretax return on assets | 1.3401% | 2,107 |
| Return on Equity (ROE) | 13.0033% | 1,137 |
| Retained earnings to average equity (ytd only) | 4.7873% | 2,770 |
| Net charge-offs to loans | 0.0866% | 3,254 |
| Credit loss provision to net charge-offs | 138.2979% | 1,712 |
| Earnings coverage of net charge-offs (x) | 22.7660% | 1,613 |
| Efficiency ratio | 72.4298% | 3,127 |
| Assets per employee ($millions) | 2.3261% | 6,262 |
| Cash dividends to net income (ytd only)* | 63.1841% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 4,781 |
| Loan loss allowance to noncurrent loans | 211.3793% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 4,562 |
| Noncurrent loans to loans | 0.4996% | 4,165 |
| Net loans and leases to total assets | 74.8254% | 1,447 |
| Net loans and leases to deposits | 83.4607% | 2,279 |
| Net loans and leases to core deposits | 83.8935% | 2,912 |
| Total domestic deposits to total assets | 89.6535% | 897 |
| Equity capital to assets | 10.3309% | 3,687 |
| Core capital (leverage) ratio | 10.3507% | 3,114 |
| Tier 1 risk-based capital ratio | 13.7591% | 4,260 |
| Total risk-based capital ratio | 14.8219% | 4,303 |
| Memoranda: | ||
| Average total assets | $74,995,000 | 5,175 |
| Average earning assets | $68,081,400 | 5,168 |
| Average equity | $7,728,800 | 5,260 |
| Average total loans | $54,299,600 | 4,680 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 1,057 |
| Cost of funding earning assets | 0.1419% | 6,234 |
| Net interest margin | 4.6888% | 515 |
| Noninterest income to average assets | 0.8602% | 1,659 |
| Noninterest expense to average assets | 3.7538% | 1,033 |
| Loan and lease loss provision to assets | 0.0590% | 3,189 |
| Net operating income to assets | 1.3019% | 1,363 |
| Return on assets (ROA) | 1.3019% | 1,422 |
| Pretax return on assets | 1.3019% | 2,371 |
| Return on Equity (ROE) | 12.6410% | 1,310 |
| Retained earnings to average equity (ytd only) | 4.6535% | 3,320 |
| Net charge-offs to loans | -0.0175% | 5,578 |
| Credit loss provision to net charge-offs | -471.4286% | 5,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3916% | 2,924 |
| Assets per employee ($millions) | 2.4419% | 6,264 |
| Cash dividends to net income (ytd only)* | 63.1872% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 4,636 |
| Loan loss allowance to noncurrent loans | 168.8830% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 4,398 |
| Noncurrent loans to loans | 0.6663% | 3,942 |
| Net loans and leases to total assets | 73.7126% | 1,571 |
| Net loans and leases to deposits | 82.4392% | 2,368 |
| Net loans and leases to core deposits | 82.8727% | 3,018 |
| Total domestic deposits to total assets | 89.4145% | 1,020 |
| Equity capital to assets | 10.3437% | 3,743 |
| Core capital (leverage) ratio | 10.4401% | 3,108 |
| Tier 1 risk-based capital ratio | 14.0307% | 4,190 |
| Total risk-based capital ratio | 15.1678% | 4,218 |
| Memoranda: | ||
| Average total assets | $74,553,750 | 5,243 |
| Average earning assets | $67,649,500 | 5,237 |
| Average equity | $7,678,500 | 5,318 |
| Average total loans | $53,362,250 | 4,757 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 1,120 |
| Cost of funding earning assets | 0.1433% | 6,305 |
| Net interest margin | 4.6318% | 553 |
| Noninterest income to average assets | 0.8386% | 1,708 |
| Noninterest expense to average assets | 3.7507% | 1,046 |
| Loan and lease loss provision to assets | 0.0351% | 3,588 |
| Net operating income to assets | 1.2377% | 1,483 |
| Return on assets (ROA) | 1.2377% | 1,546 |
| Pretax return on assets | 1.2377% | 2,512 |
| Return on Equity (ROE) | 12.0346% | 1,413 |
| Retained earnings to average equity (ytd only) | 4.1426% | 3,540 |
| Net charge-offs to loans | -0.0038% | 5,140 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6645% | 2,863 |
| Assets per employee ($millions) | 2.5279% | 6,273 |
| Cash dividends to net income (ytd only)* | 65.5773% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 4,755 |
| Loan loss allowance to noncurrent loans | 173.0114% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 4,603 |
| Noncurrent loans to loans | 0.6541% | 4,070 |
| Net loans and leases to total assets | 70.1561% | 2,056 |
| Net loans and leases to deposits | 78.2300% | 2,768 |
| Net loans and leases to core deposits | 78.6230% | 3,366 |
| Total domestic deposits to total assets | 89.6793% | 980 |
| Equity capital to assets | 10.1822% | 3,857 |
| Core capital (leverage) ratio | 10.3853% | 3,098 |
| Tier 1 risk-based capital ratio | 14.3393% | 4,035 |
| Total risk-based capital ratio | 15.4699% | 4,049 |
| Memoranda: | ||
| Average total assets | $74,172,330 | 5,289 |
| Average earning assets | $67,014,670 | 5,299 |
| Average equity | $7,628,000 | 5,366 |
| Average total loans | $52,338,330 | 4,814 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 1,078 |
| Cost of funding earning assets | 0.1391% | 6,405 |
| Net interest margin | 4.6460% | 515 |
| Noninterest income to average assets | 0.8181% | 1,683 |
| Noninterest expense to average assets | 3.7906% | 999 |
| Loan and lease loss provision to assets | 0.0654% | 2,815 |
| Net operating income to assets | 1.1508% | 1,628 |
| Return on assets (ROA) | 1.1508% | 1,698 |
| Pretax return on assets | 1.1508% | 2,694 |
| Return on Equity (ROE) | 11.1331% | 1,640 |
| Retained earnings to average equity (ytd only) | 3.9045% | 3,774 |
| Net charge-offs to loans | 0.0543% | 2,621 |
| Credit loss provision to net charge-offs | 171.4286% | 1,153 |
| Earnings coverage of net charge-offs (x) | 31.8571% | 1,011 |
| Efficiency ratio | 75.7081% | 2,847 |
| Assets per employee ($millions) | 2.4107% | 6,416 |
| Cash dividends to net income (ytd only)* | 64.9289% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 4,855 |
| Loan loss allowance to noncurrent loans | 262.0087% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 5,238 |
| Noncurrent loans to loans | 0.4400% | 4,824 |
| Net loans and leases to total assets | 68.8460% | 2,078 |
| Net loans and leases to deposits | 76.7613% | 2,720 |
| Net loans and leases to core deposits | 77.1526% | 3,289 |
| Total domestic deposits to total assets | 89.6885% | 1,249 |
| Equity capital to assets | 10.2085% | 3,588 |
| Core capital (leverage) ratio | 10.4977% | 2,935 |
| Tier 1 risk-based capital ratio | 14.5447% | 3,983 |
| Total risk-based capital ratio | 15.6872% | 3,996 |
| Memoranda: | ||
| Average total assets | $73,339,500 | 5,357 |
| Average earning assets | $66,121,000 | 5,373 |
| Average equity | $7,581,000 | 5,400 |
| Average total loans | $51,600,500 | 4,879 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 1,228 |
| Cost of funding earning assets | 0.1540% | 6,520 |
| Net interest margin | 4.6855% | 524 |
| Noninterest income to average assets | 0.9341% | 1,569 |
| Noninterest expense to average assets | 3.8437% | 1,069 |
| Loan and lease loss provision to assets | 0.0809% | 3,496 |
| Net operating income to assets | 1.2506% | 1,388 |
| Return on assets (ROA) | 1.2506% | 1,445 |
| Pretax return on assets | 1.2506% | 2,361 |
| Return on Equity (ROE) | 12.1426% | 1,374 |
| Retained earnings to average equity (ytd only) | 4.2777% | 3,131 |
| Net charge-offs to loans | -0.0121% | 6,051 |
| Credit loss provision to net charge-offs | -966.6667% | 6,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2726% | 3,089 |
| Assets per employee ($millions) | 2.3209% | 6,510 |
| Cash dividends to net income (ytd only)* | 64.7715% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 4,847 |
| Loan loss allowance to noncurrent loans | 104.0210% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 3,895 |
| Noncurrent loans to loans | 1.1183% | 3,299 |
| Net loans and leases to total assets | 70.2684% | 1,971 |
| Net loans and leases to deposits | 78.5068% | 2,655 |
| Net loans and leases to core deposits | 78.8988% | 3,252 |
| Total domestic deposits to total assets | 89.5062% | 1,331 |
| Equity capital to assets | 10.4702% | 3,203 |
| Core capital (leverage) ratio | 10.3624% | 3,070 |
| Tier 1 risk-based capital ratio | 14.8793% | 3,735 |
| Total risk-based capital ratio | 16.0495% | 3,727 |
| Memoranda: | ||
| Average total assets | $71,727,000 | 5,424 |
| Average earning assets | $64,923,200 | 5,438 |
| Average equity | $7,387,200 | 5,479 |
| Average total loans | $49,719,400 | 4,968 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 1,318 |
| Cost of funding earning assets | 0.1542% | 6,619 |
| Net interest margin | 4.6599% | 554 |
| Noninterest income to average assets | 0.9227% | 1,680 |
| Noninterest expense to average assets | 3.9140% | 949 |
| Loan and lease loss provision to assets | 0.0744% | 3,567 |
| Net operating income to assets | 1.1497% | 1,816 |
| Return on assets (ROA) | 1.1497% | 1,890 |
| Pretax return on assets | 1.1497% | 2,895 |
| Return on Equity (ROE) | 11.2095% | 1,745 |
| Retained earnings to average equity (ytd only) | 3.5732% | 4,154 |
| Net charge-offs to loans | -0.0162% | 6,000 |
| Credit loss provision to net charge-offs | -666.6667% | 6,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1767% | 2,708 |
| Assets per employee ($millions) | 2.3526% | 6,566 |
| Cash dividends to net income (ytd only)* | 68.1230% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,099 |
| Loan loss allowance to noncurrent loans | 214.4981% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 5,299 |
| Noncurrent loans to loans | 0.5382% | 4,849 |
| Net loans and leases to total assets | 67.7357% | 2,332 |
| Net loans and leases to deposits | 75.6477% | 3,007 |
| Net loans and leases to core deposits | 76.0203% | 3,613 |
| Total domestic deposits to total assets | 89.5409% | 1,270 |
| Equity capital to assets | 10.1944% | 3,653 |
| Core capital (leverage) ratio | 10.5650% | 2,934 |
| Tier 1 risk-based capital ratio | 14.0428% | 4,392 |
| Total risk-based capital ratio | 15.1307% | 4,472 |
| Memoranda: | ||
| Average total assets | $71,672,000 | 5,483 |
| Average earning assets | $64,835,000 | 5,496 |
| Average equity | $7,350,750 | 5,550 |
| Average total loans | $49,361,500 | 5,032 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7008% | 1,568 |
| Cost of funding earning assets | 0.1548% | 6,692 |
| Net interest margin | 4.5459% | 653 |
| Noninterest income to average assets | 1.0358% | 1,422 |
| Noninterest expense to average assets | 3.8904% | 993 |
| Loan and lease loss provision to assets | 0.0786% | 3,485 |
| Net operating income to assets | 1.1873% | 1,625 |
| Return on assets (ROA) | 1.1873% | 1,733 |
| Pretax return on assets | 1.1873% | 2,730 |
| Return on Equity (ROE) | 11.5532% | 1,619 |
| Retained earnings to average equity (ytd only) | 3.7691% | 3,900 |
| Net charge-offs to loans | -0.0529% | 6,288 |
| Credit loss provision to net charge-offs | -215.3846% | 5,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4491% | 2,867 |
| Assets per employee ($millions) | 2.3479% | 6,613 |
| Cash dividends to net income (ytd only)* | 67.3759% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 5,319 |
| Loan loss allowance to noncurrent loans | 203.5587% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 5,285 |
| Noncurrent loans to loans | 0.5551% | 4,872 |
| Net loans and leases to total assets | 71.0582% | 1,716 |
| Net loans and leases to deposits | 79.5297% | 2,400 |
| Net loans and leases to core deposits | 80.2373% | 3,000 |
| Total domestic deposits to total assets | 89.3481% | 1,413 |
| Equity capital to assets | 10.4546% | 3,365 |
| Core capital (leverage) ratio | 10.3766% | 3,013 |
| Tier 1 risk-based capital ratio | 14.8159% | 3,898 |
| Total risk-based capital ratio | 15.9629% | 3,928 |
| Memoranda: | ||
| Average total assets | $71,252,000 | 5,532 |
| Average earning assets | $64,585,330 | 5,542 |
| Average equity | $7,322,670 | 5,600 |
| Average total loans | $49,156,000 | 5,062 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6674% | 1,627 |
| Cost of funding earning assets | 0.1539% | 6,785 |
| Net interest margin | 4.5135% | 666 |
| Noninterest income to average assets | 1.0159% | 1,433 |
| Noninterest expense to average assets | 4.0023% | 884 |
| Loan and lease loss provision to assets | 0.0837% | 3,255 |
| Net operating income to assets | 1.0215% | 2,138 |
| Return on assets (ROA) | 1.0215% | 2,253 |
| Pretax return on assets | 1.0215% | 3,257 |
| Return on Equity (ROE) | 10.0247% | 2,055 |
| Retained earnings to average equity (ytd only) | 3.0129% | 4,479 |
| Net charge-offs to loans | -0.0743% | 6,304 |
| Credit loss provision to net charge-offs | -166.6667% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3607% | 2,555 |
| Assets per employee ($millions) | 2.3306% | 6,709 |
| Cash dividends to net income (ytd only)* | 69.9454% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,427 |
| Loan loss allowance to noncurrent loans | 186.2416% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 5,067 |
| Noncurrent loans to loans | 0.6151% | 4,908 |
| Net loans and leases to total assets | 66.2874% | 2,318 |
| Net loans and leases to deposits | 73.8607% | 2,933 |
| Net loans and leases to core deposits | 74.4972% | 3,518 |
| Total domestic deposits to total assets | 89.7466% | 1,186 |
| Equity capital to assets | 10.1413% | 3,966 |
| Core capital (leverage) ratio | 10.2499% | 3,077 |
| Tier 1 risk-based capital ratio | 15.0818% | 3,785 |
| Total risk-based capital ratio | 16.2276% | 3,810 |
| Memoranda: | ||
| Average total assets | $71,659,000 | 5,574 |
| Average earning assets | $64,961,000 | 5,582 |
| Average equity | $7,302,000 | 5,664 |
| Average total loans | $48,422,000 | 5,115 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 2,027 |
| Cost of funding earning assets | 0.1969% | 6,843 |
| Net interest margin | 4.6502% | 714 |
| Noninterest income to average assets | 0.9471% | 1,714 |
| Noninterest expense to average assets | 3.8609% | 1,149 |
| Loan and lease loss provision to assets | 0.1046% | 4,330 |
| Net operating income to assets | 1.1661% | 1,709 |
| Return on assets (ROA) | 1.1661% | 1,870 |
| Pretax return on assets | 1.1661% | 2,917 |
| Return on Equity (ROE) | 11.7634% | 1,574 |
| Retained earnings to average equity (ytd only) | 3.5740% | 3,693 |
| Net charge-offs to loans | 0.0447% | 5,285 |
| Credit loss provision to net charge-offs | 357.1429% | 683 |
| Earnings coverage of net charge-offs (x) | 43.3810% | 749 |
| Efficiency ratio | 75.2378% | 2,869 |
| Assets per employee ($millions) | 2.2925% | 6,778 |
| Cash dividends to net income (ytd only)* | 69.6172% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 5,565 |
| Loan loss allowance to noncurrent loans | 368.7500% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 5,654 |
| Noncurrent loans to loans | 0.2975% | 5,733 |
| Net loans and leases to total assets | 67.3514% | 2,305 |
| Net loans and leases to deposits | 75.0510% | 2,956 |
| Net loans and leases to core deposits | 75.6966% | 3,574 |
| Total domestic deposits to total assets | 89.7410% | 1,098 |
| Equity capital to assets | 10.2393% | 3,842 |
| Core capital (leverage) ratio | 10.0892% | 3,288 |
| Tier 1 risk-based capital ratio | 15.0029% | 3,718 |
| Total risk-based capital ratio | 16.1017% | 3,759 |
| Memoranda: | ||
| Average total assets | $71,692,400 | 5,585 |
| Average earning assets | $64,512,800 | 5,598 |
| Average equity | $7,106,800 | 5,733 |
| Average total loans | $46,934,600 | 5,214 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 2,339 |
| Cost of funding earning assets | 0.2043% | 6,943 |
| Net interest margin | 4.6110% | 798 |
| Noninterest income to average assets | 0.9279% | 1,742 |
| Noninterest expense to average assets | 3.9916% | 943 |
| Loan and lease loss provision to assets | 0.0835% | 4,572 |
| Net operating income to assets | 0.9984% | 2,513 |
| Return on assets (ROA) | 0.9984% | 2,737 |
| Pretax return on assets | 0.9984% | 3,720 |
| Return on Equity (ROE) | 10.1542% | 2,275 |
| Retained earnings to average equity (ytd only) | 2.6235% | 4,991 |
| Net charge-offs to loans | 0.0830% | 4,564 |
| Credit loss provision to net charge-offs | 155.1724% | 1,816 |
| Earnings coverage of net charge-offs (x) | 20.1011% | 1,462 |
| Efficiency ratio | 78.6759% | 2,287 |
| Assets per employee ($millions) | 2.2865% | 6,868 |
| Cash dividends to net income (ytd only)* | 74.1636% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 5,913 |
| Loan loss allowance to noncurrent loans | 880.3571% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 6,113 |
| Noncurrent loans to loans | 0.1187% | 6,314 |
| Net loans and leases to total assets | 65.8856% | 2,674 |
| Net loans and leases to deposits | 73.4142% | 3,382 |
| Net loans and leases to core deposits | 74.3540% | 3,931 |
| Total domestic deposits to total assets | 89.7449% | 971 |
| Equity capital to assets | 10.0561% | 4,412 |
| Core capital (leverage) ratio | 10.0549% | 3,467 |
| Tier 1 risk-based capital ratio | 14.9364% | 3,892 |
| Total risk-based capital ratio | 15.9750% | 3,996 |
| Memoranda: | ||
| Average total assets | $71,848,250 | 5,638 |
| Average earning assets | $64,597,500 | 5,654 |
| Average equity | $7,064,250 | 5,809 |
| Average total loans | $46,569,000 | 5,292 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7927% | 2,539 |
| Cost of funding earning assets | 0.2167% | 6,995 |
| Net interest margin | 4.5759% | 867 |
| Noninterest income to average assets | 0.9256% | 1,684 |
| Noninterest expense to average assets | 3.9822% | 962 |
| Loan and lease loss provision to assets | 0.0693% | 4,762 |
| Net operating income to assets | 0.9699% | 2,586 |
| Return on assets (ROA) | 0.9699% | 2,830 |
| Pretax return on assets | 0.9699% | 3,820 |
| Return on Equity (ROE) | 9.9389% | 2,381 |
| Retained earnings to average equity (ytd only) | 2.3002% | 5,042 |
| Net charge-offs to loans | 0.0733% | 4,413 |
| Credit loss provision to net charge-offs | 147.0588% | 1,881 |
| Earnings coverage of net charge-offs (x) | 22.0588% | 1,319 |
| Efficiency ratio | 79.3046% | 2,288 |
| Assets per employee ($millions) | 2.2804% | 6,922 |
| Cash dividends to net income (ytd only)* | 76.8571% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 5,956 |
| Loan loss allowance to noncurrent loans | 702.8986% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 6,066 |
| Noncurrent loans to loans | 0.1494% | 6,291 |
| Net loans and leases to total assets | 64.6302% | 2,901 |
| Net loans and leases to deposits | 71.9546% | 3,617 |
| Net loans and leases to core deposits | 72.8495% | 4,193 |
| Total domestic deposits to total assets | 89.8208% | 1,033 |
| Equity capital to assets | 10.0066% | 4,328 |
| Core capital (leverage) ratio | 9.7240% | 3,799 |
| Tier 1 risk-based capital ratio | 14.3478% | 4,211 |
| Total risk-based capital ratio | 15.3374% | 4,341 |
| Memoranda: | ||
| Average total assets | $72,170,330 | 5,663 |
| Average earning assets | $64,598,670 | 5,687 |
| Average equity | $7,043,000 | 5,838 |
| Average total loans | $46,360,670 | 5,331 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 2,578 |
| Cost of funding earning assets | 0.2275% | 7,062 |
| Net interest margin | 4.5859% | 847 |
| Noninterest income to average assets | 0.9217% | 1,659 |
| Noninterest expense to average assets | 3.9392% | 1,006 |
| Loan and lease loss provision to assets | 0.0823% | 4,361 |
| Net operating income to assets | 0.9930% | 2,508 |
| Return on assets (ROA) | 0.9930% | 2,703 |
| Pretax return on assets | 0.9930% | 3,699 |
| Return on Equity (ROE) | 10.3024% | 2,301 |
| Retained earnings to average equity (ytd only) | 1.9922% | 5,272 |
| Net charge-offs to loans | 0.4391% | 1,998 |
| Credit loss provision to net charge-offs | 29.4118% | 3,630 |
| Earnings coverage of net charge-offs (x) | 3.8431% | 2,729 |
| Efficiency ratio | 78.5558% | 2,418 |
| Assets per employee ($millions) | 2.3992% | 6,926 |
| Cash dividends to net income (ytd only)* | 80.6630% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 6,339 |
| Loan loss allowance to noncurrent loans | 350.0000% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 6,051 |
| Noncurrent loans to loans | 0.2785% | 6,124 |
| Net loans and leases to total assets | 60.2385% | 3,613 |
| Net loans and leases to deposits | 66.6126% | 4,291 |
| Net loans and leases to core deposits | 67.6568% | 4,720 |
| Total domestic deposits to total assets | 90.4311% | 845 |
| Equity capital to assets | 9.4627% | 4,864 |
| Core capital (leverage) ratio | 9.5498% | 3,980 |
| Tier 1 risk-based capital ratio | 15.1054% | 3,687 |
| Total risk-based capital ratio | 16.0588% | 3,847 |
| Memoranda: | ||
| Average total assets | $72,909,000 | 5,684 |
| Average earning assets | $65,069,000 | 5,717 |
| Average equity | $7,027,500 | 5,864 |
| Average total loans | $46,454,000 | 5,361 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1260% | 2,351 |
| Cost of funding earning assets | 0.3306% | 7,052 |
| Net interest margin | 4.7954% | 632 |
| Noninterest income to average assets | 0.9533% | 1,498 |
| Noninterest expense to average assets | 3.8543% | 1,252 |
| Loan and lease loss provision to assets | 0.1747% | 4,453 |
| Net operating income to assets | 1.3141% | 1,205 |
| Return on assets (ROA) | 1.3141% | 1,310 |
| Pretax return on assets | 1.3141% | 2,073 |
| Return on Equity (ROE) | 13.5001% | 1,047 |
| Retained earnings to average equity (ytd only) | 4.8017% | 2,788 |
| Net charge-offs to loans | 0.2434% | 4,260 |
| Credit loss provision to net charge-offs | 106.0345% | 3,215 |
| Earnings coverage of net charge-offs (x) | 9.0345% | 2,046 |
| Efficiency ratio | 72.1351% | 3,549 |
| Assets per employee ($millions) | 2.3046% | 7,011 |
| Cash dividends to net income (ytd only)* | 64.4324% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,215 |
| Loan loss allowance to noncurrent loans | 169.7509% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5613% | 5,568 |
| Noncurrent loans to loans | 0.5895% | 5,536 |
| Net loans and leases to total assets | 66.0494% | 2,775 |
| Net loans and leases to deposits | 73.2706% | 3,618 |
| Net loans and leases to core deposits | 74.4592% | 4,181 |
| Total domestic deposits to total assets | 90.1445% | 915 |
| Equity capital to assets | 9.8220% | 4,414 |
| Core capital (leverage) ratio | 9.6715% | 3,773 |
| Tier 1 risk-based capital ratio | 14.2430% | 4,151 |
| Total risk-based capital ratio | 15.2204% | 4,298 |
| Memoranda: | ||
| Average total assets | $70,389,200 | 5,731 |
| Average earning assets | $64,436,800 | 5,720 |
| Average equity | $6,851,800 | 5,908 |
| Average total loans | $47,666,800 | 5,361 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 2,517 |
| Cost of funding earning assets | 0.3531% | 7,117 |
| Net interest margin | 4.7658% | 669 |
| Noninterest income to average assets | 0.9259% | 1,560 |
| Noninterest expense to average assets | 3.9072% | 1,138 |
| Loan and lease loss provision to assets | 0.1616% | 4,449 |
| Net operating income to assets | 1.2453% | 1,531 |
| Return on assets (ROA) | 1.2453% | 1,633 |
| Pretax return on assets | 1.2453% | 2,469 |
| Return on Equity (ROE) | 12.8230% | 1,325 |
| Retained earnings to average equity (ytd only) | 4.2483% | 3,705 |
| Net charge-offs to loans | 0.2378% | 3,936 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 8.7059% | 2,138 |
| Efficiency ratio | 73.5242% | 3,271 |
| Assets per employee ($millions) | 2.3858% | 7,004 |
| Cash dividends to net income (ytd only)* | 66.8709% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 6,380 |
| Loan loss allowance to noncurrent loans | 188.0000% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 5,796 |
| Noncurrent loans to loans | 0.5173% | 5,814 |
| Net loans and leases to total assets | 66.8609% | 2,701 |
| Net loans and leases to deposits | 74.2456% | 3,625 |
| Net loans and leases to core deposits | 75.4478% | 4,256 |
| Total domestic deposits to total assets | 90.0537% | 838 |
| Equity capital to assets | 9.6683% | 4,832 |
| Core capital (leverage) ratio | 9.5545% | 4,067 |
| Tier 1 risk-based capital ratio | 14.2100% | 4,192 |
| Total risk-based capital ratio | 15.1866% | 4,363 |
| Memoranda: | ||
| Average total assets | $70,126,000 | 5,779 |
| Average earning assets | $64,569,500 | 5,756 |
| Average equity | $6,810,500 | 5,965 |
| Average total loans | $47,667,500 | 5,400 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 2,525 |
| Cost of funding earning assets | 0.3757% | 7,183 |
| Net interest margin | 4.7616% | 643 |
| Noninterest income to average assets | 0.9793% | 1,378 |
| Noninterest expense to average assets | 3.9458% | 1,124 |
| Loan and lease loss provision to assets | 0.1378% | 4,578 |
| Net operating income to assets | 1.2636% | 1,413 |
| Return on assets (ROA) | 1.2636% | 1,476 |
| Pretax return on assets | 1.2636% | 2,255 |
| Return on Equity (ROE) | 12.9908% | 1,201 |
| Retained earnings to average equity (ytd only) | 4.1630% | 3,546 |
| Net charge-offs to loans | 0.0590% | 5,060 |
| Credit loss provision to net charge-offs | 342.8571% | 892 |
| Earnings coverage of net charge-offs (x) | 34.8571% | 823 |
| Efficiency ratio | 73.7916% | 3,395 |
| Assets per employee ($millions) | 2.2749% | 7,137 |
| Cash dividends to net income (ytd only)* | 67.9545% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 6,149 |
| Loan loss allowance to noncurrent loans | 132.9815% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 5,368 |
| Noncurrent loans to loans | 0.7888% | 5,333 |
| Net loans and leases to total assets | 67.4130% | 2,731 |
| Net loans and leases to deposits | 74.8147% | 3,672 |
| Net loans and leases to core deposits | 75.7336% | 4,350 |
| Total domestic deposits to total assets | 90.1066% | 919 |
| Equity capital to assets | 9.7161% | 4,515 |
| Core capital (leverage) ratio | 9.6882% | 3,676 |
| Tier 1 risk-based capital ratio | 13.2458% | 4,732 |
| Total risk-based capital ratio | 14.2323% | 4,911 |
| Memoranda: | ||
| Average total assets | $69,643,330 | 5,837 |
| Average earning assets | $63,886,330 | 5,830 |
| Average equity | $6,774,000 | 5,996 |
| Average total loans | $47,448,330 | 5,459 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 2,660 |
| Cost of funding earning assets | 0.4058% | 7,213 |
| Net interest margin | 4.6924% | 719 |
| Noninterest income to average assets | 1.0346% | 1,228 |
| Noninterest expense to average assets | 3.9477% | 1,103 |
| Loan and lease loss provision to assets | 0.2196% | 3,459 |
| Net operating income to assets | 1.1444% | 1,685 |
| Return on assets (ROA) | 1.1444% | 1,735 |
| Pretax return on assets | 1.1444% | 2,589 |
| Return on Equity (ROE) | 11.7595% | 1,531 |
| Retained earnings to average equity (ytd only) | 2.7914% | 4,495 |
| Net charge-offs to loans | 0.0848% | 4,102 |
| Credit loss provision to net charge-offs | 380.0000% | 871 |
| Earnings coverage of net charge-offs (x) | 23.6000% | 1,011 |
| Efficiency ratio | 74.3199% | 3,461 |
| Assets per employee ($millions) | 2.2731% | 7,199 |
| Cash dividends to net income (ytd only)* | 76.2626% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 6,303 |
| Loan loss allowance to noncurrent loans | 131.0526% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.8080% | 5,293 |
| Noncurrent loans to loans | 0.7809% | 5,474 |
| Net loans and leases to total assets | 70.6308% | 2,001 |
| Net loans and leases to deposits | 78.5000% | 2,977 |
| Net loans and leases to core deposits | 79.4989% | 3,820 |
| Total domestic deposits to total assets | 89.9757% | 1,162 |
| Equity capital to assets | 9.9026% | 3,898 |
| Core capital (leverage) ratio | 9.6864% | 3,546 |
| Tier 1 risk-based capital ratio | 13.6794% | 4,301 |
| Total risk-based capital ratio | 14.7005% | 4,441 |
| Memoranda: | ||
| Average total assets | $69,204,000 | 5,888 |
| Average earning assets | $63,081,000 | 5,893 |
| Average equity | $6,735,000 | 6,015 |
| Average total loans | $47,150,000 | 5,512 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3852% | 2,746 |
| Cost of funding earning assets | 0.5512% | 7,230 |
| Net interest margin | 4.8340% | 629 |
| Noninterest income to average assets | 0.9836% | 1,563 |
| Noninterest expense to average assets | 4.1235% | 1,000 |
| Loan and lease loss provision to assets | 0.1192% | 5,967 |
| Net operating income to assets | 1.0894% | 1,728 |
| Return on assets (ROA) | 1.0894% | 1,813 |
| Pretax return on assets | 1.1192% | 2,507 |
| Return on Equity (ROE) | 11.0336% | 1,577 |
| Retained earnings to average equity (ytd only) | 2.9584% | 3,789 |
| Net charge-offs to loans | 0.1629% | 5,360 |
| Credit loss provision to net charge-offs | 106.6667% | 4,179 |
| Earnings coverage of net charge-offs (x) | 11.0800% | 1,637 |
| Efficiency ratio | 76.9038% | 2,888 |
| Assets per employee ($millions) | 2.2650% | 7,245 |
| Cash dividends to net income (ytd only)* | 73.1874% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 6,247 |
| Loan loss allowance to noncurrent loans | 154.7855% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 5,656 |
| Noncurrent loans to loans | 0.6639% | 5,719 |
| Net loans and leases to total assets | 64.3276% | 3,801 |
| Net loans and leases to deposits | 71.1930% | 4,650 |
| Net loans and leases to core deposits | 73.0420% | 5,094 |
| Total domestic deposits to total assets | 90.3566% | 905 |
| Equity capital to assets | 9.5665% | 4,315 |
| Core capital (leverage) ratio | 9.7625% | 3,366 |
| Tier 1 risk-based capital ratio | 14.5350% | 3,521 |
| Total risk-based capital ratio | 15.5630% | 3,622 |
| Memoranda: | ||
| Average total assets | $67,102,400 | 5,959 |
| Average earning assets | $60,778,000 | 5,968 |
| Average equity | $6,625,200 | 6,159 |
| Average total loans | $46,040,200 | 5,642 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4384% | 2,701 |
| Cost of funding earning assets | 0.5684% | 7,352 |
| Net interest margin | 4.8700% | 584 |
| Noninterest income to average assets | 0.9971% | 1,471 |
| Noninterest expense to average assets | 4.0869% | 947 |
| Loan and lease loss provision to assets | 0.1407% | 5,623 |
| Net operating income to assets | 1.1659% | 1,687 |
| Return on assets (ROA) | 1.1659% | 1,783 |
| Pretax return on assets | 1.1961% | 2,501 |
| Return on Equity (ROE) | 11.7128% | 1,586 |
| Retained earnings to average equity (ytd only) | 3.3320% | 4,106 |
| Net charge-offs to loans | 0.0780% | 5,740 |
| Credit loss provision to net charge-offs | 259.2593% | 1,278 |
| Earnings coverage of net charge-offs (x) | 24.6289% | 1,016 |
| Efficiency ratio | 75.3521% | 3,065 |
| Assets per employee ($millions) | 2.2317% | 7,360 |
| Cash dividends to net income (ytd only)* | 71.5522% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,893 |
| Loan loss allowance to noncurrent loans | 137.3984% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7752% | 5,557 |
| Noncurrent loans to loans | 0.8087% | 5,598 |
| Net loans and leases to total assets | 67.3971% | 3,354 |
| Net loans and leases to deposits | 75.1687% | 4,324 |
| Net loans and leases to core deposits | 78.3712% | 4,760 |
| Total domestic deposits to total assets | 89.6611% | 1,042 |
| Equity capital to assets | 10.0342% | 4,117 |
| Core capital (leverage) ratio | 9.9347% | 3,312 |
| Tier 1 risk-based capital ratio | 14.6898% | 3,399 |
| Total risk-based capital ratio | 15.8183% | 3,446 |
| Memoranda: | ||
| Average total assets | $66,324,500 | 6,054 |
| Average earning assets | $60,286,250 | 6,051 |
| Average equity | $6,602,250 | 6,235 |
| Average total loans | $46,141,250 | 5,721 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4859% | 2,589 |
| Cost of funding earning assets | 0.5924% | 7,421 |
| Net interest margin | 4.8934% | 546 |
| Noninterest income to average assets | 1.0194% | 1,321 |
| Noninterest expense to average assets | 4.0263% | 1,009 |
| Loan and lease loss provision to assets | 0.1906% | 4,973 |
| Net operating income to assets | 1.1979% | 1,567 |
| Return on assets (ROA) | 1.1979% | 1,639 |
| Pretax return on assets | 1.2251% | 2,333 |
| Return on Equity (ROE) | 12.0664% | 1,436 |
| Retained earnings to average equity (ytd only) | 3.3518% | 3,975 |
| Net charge-offs to loans | 0.1555% | 4,704 |
| Credit loss provision to net charge-offs | 175.0000% | 2,237 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,620 |
| Efficiency ratio | 73.9855% | 3,476 |
| Assets per employee ($millions) | 2.0678% | 7,543 |
| Cash dividends to net income (ytd only)* | 72.2222% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 6,033 |
| Loan loss allowance to noncurrent loans | 137.9213% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 5,522 |
| Noncurrent loans to loans | 0.7834% | 5,709 |
| Net loans and leases to total assets | 67.9331% | 3,380 |
| Net loans and leases to deposits | 75.7155% | 4,378 |
| Net loans and leases to core deposits | 77.8112% | 4,983 |
| Total domestic deposits to total assets | 89.7216% | 1,061 |
| Equity capital to assets | 10.0592% | 3,936 |
| Core capital (leverage) ratio | 9.8142% | 3,382 |
| Tier 1 risk-based capital ratio | 14.4316% | 3,480 |
| Total risk-based capital ratio | 15.5142% | 3,536 |
| Memoranda: | ||
| Average total assets | $66,115,670 | 6,100 |
| Average earning assets | $59,753,670 | 6,107 |
| Average equity | $6,563,670 | 6,282 |
| Average total loans | $46,311,670 | 5,746 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5034% | 2,563 |
| Cost of funding earning assets | 0.6272% | 7,501 |
| Net interest margin | 4.8762% | 553 |
| Noninterest income to average assets | 1.0108% | 1,265 |
| Noninterest expense to average assets | 4.0793% | 927 |
| Loan and lease loss provision to assets | 0.1695% | 4,833 |
| Net operating income to assets | 1.1136% | 1,788 |
| Return on assets (ROA) | 1.1136% | 1,871 |
| Pretax return on assets | 1.1379% | 2,595 |
| Return on Equity (ROE) | 11.2927% | 1,693 |
| Retained earnings to average equity (ytd only) | 2.2094% | 4,799 |
| Net charge-offs to loans | -0.0171% | 7,031 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7303% | 3,262 |
| Assets per employee ($millions) | 2.0659% | 7,632 |
| Cash dividends to net income (ytd only)* | 80.4348% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 6,236 |
| Loan loss allowance to noncurrent loans | 254.6392% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 6,093 |
| Noncurrent loans to loans | 0.4121% | 6,470 |
| Net loans and leases to total assets | 70.4695% | 2,806 |
| Net loans and leases to deposits | 78.3024% | 3,981 |
| Net loans and leases to core deposits | 80.7173% | 4,674 |
| Total domestic deposits to total assets | 89.9967% | 986 |
| Equity capital to assets | 9.8687% | 4,034 |
| Core capital (leverage) ratio | 9.6395% | 3,587 |
| Tier 1 risk-based capital ratio | 13.2364% | 4,179 |
| Total risk-based capital ratio | 14.2468% | 4,308 |
| Memoranda: | ||
| Average total assets | $66,089,500 | 6,168 |
| Average earning assets | $59,309,000 | 6,198 |
| Average equity | $6,517,500 | 6,340 |
| Average total loans | $46,747,000 | 5,809 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9461% | 2,059 |
| Cost of funding earning assets | 0.8221% | 7,526 |
| Net interest margin | 5.1240% | 348 |
| Noninterest income to average assets | 1.0303% | 1,467 |
| Noninterest expense to average assets | 4.3573% | 925 |
| Loan and lease loss provision to assets | 0.1376% | 6,269 |
| Net operating income to assets | 1.0741% | 1,585 |
| Return on assets (ROA) | 1.0741% | 1,632 |
| Pretax return on assets | 1.1054% | 2,233 |
| Return on Equity (ROE) | 10.7350% | 1,495 |
| Retained earnings to average equity (ytd only) | 2.9533% | 3,103 |
| Net charge-offs to loans | 0.1519% | 5,744 |
| Credit loss provision to net charge-offs | 125.7143% | 4,159 |
| Earnings coverage of net charge-offs (x) | 11.3571% | 1,595 |
| Efficiency ratio | 77.8057% | 3,227 |
| Assets per employee ($millions) | 2.0647% | 7,690 |
| Cash dividends to net income (ytd only)* | 72.4891% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,390 |
| Loan loss allowance to noncurrent loans | 236.7347% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 6,040 |
| Noncurrent loans to loans | 0.4223% | 6,426 |
| Net loans and leases to total assets | 69.5464% | 3,349 |
| Net loans and leases to deposits | 77.2165% | 4,525 |
| Net loans and leases to core deposits | 90.9217% | 5,025 |
| Total domestic deposits to total assets | 90.0667% | 927 |
| Equity capital to assets | 9.8546% | 3,939 |
| Core capital (leverage) ratio | 9.8407% | 3,284 |
| Tier 1 risk-based capital ratio | 13.4883% | 3,826 |
| Total risk-based capital ratio | 14.4609% | 3,954 |
| Memoranda: | ||
| Average total assets | $63,961,200 | 6,199 |
| Average earning assets | $57,045,600 | 6,246 |
| Average equity | $6,399,600 | 6,461 |
| Average total loans | $46,073,000 | 5,834 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8704% | 2,580 |
| Cost of funding earning assets | 0.8628% | 7,612 |
| Net interest margin | 5.0076% | 432 |
| Noninterest income to average assets | 1.0257% | 1,507 |
| Noninterest expense to average assets | 4.2143% | 1,016 |
| Loan and lease loss provision to assets | 0.1681% | 5,674 |
| Net operating income to assets | 1.0888% | 1,772 |
| Return on assets (ROA) | 1.0888% | 1,830 |
| Pretax return on assets | 1.1203% | 2,501 |
| Return on Equity (ROE) | 10.8393% | 1,667 |
| Retained earnings to average equity (ytd only) | 3.0133% | 3,643 |
| Net charge-offs to loans | 0.1189% | 5,510 |
| Credit loss provision to net charge-offs | 195.1220% | 2,314 |
| Earnings coverage of net charge-offs (x) | 14.9499% | 1,562 |
| Efficiency ratio | 76.5852% | 3,403 |
| Assets per employee ($millions) | 2.0062% | 7,799 |
| Cash dividends to net income (ytd only)* | 72.2001% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 6,066 |
| Loan loss allowance to noncurrent loans | 370.2290% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 6,255 |
| Noncurrent loans to loans | 0.2808% | 6,812 |
| Net loans and leases to total assets | 71.9041% | 3,060 |
| Net loans and leases to deposits | 80.1448% | 4,358 |
| Net loans and leases to core deposits | 94.5864% | 4,968 |
| Total domestic deposits to total assets | 89.7177% | 882 |
| Equity capital to assets | 10.0611% | 4,014 |
| Core capital (leverage) ratio | 10.1284% | 3,140 |
| Tier 1 risk-based capital ratio | 13.6433% | 3,752 |
| Total risk-based capital ratio | 14.6789% | 3,839 |
| Memoranda: | ||
| Average total assets | $63,433,750 | 6,268 |
| Average earning assets | $56,712,500 | 6,304 |
| Average equity | $6,371,750 | 6,531 |
| Average total loans | $45,987,750 | 5,884 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9389% | 2,423 |
| Cost of funding earning assets | 0.9153% | 7,676 |
| Net interest margin | 5.0235% | 409 |
| Noninterest income to average assets | 1.0288% | 1,500 |
| Noninterest expense to average assets | 4.1976% | 1,076 |
| Loan and lease loss provision to assets | 0.1836% | 5,199 |
| Net operating income to assets | 1.0668% | 1,886 |
| Return on assets (ROA) | 1.0668% | 1,959 |
| Pretax return on assets | 1.0953% | 2,654 |
| Return on Equity (ROE) | 10.6264% | 1,813 |
| Retained earnings to average equity (ytd only) | 2.8379% | 3,744 |
| Net charge-offs to loans | 0.0961% | 5,209 |
| Credit loss provision to net charge-offs | 263.6364% | 1,765 |
| Earnings coverage of net charge-offs (x) | 18.3636% | 1,414 |
| Efficiency ratio | 76.6474% | 3,573 |
| Assets per employee ($millions) | 1.9954% | 7,855 |
| Cash dividends to net income (ytd only)* | 73.2938% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 6,043 |
| Loan loss allowance to noncurrent loans | 148.7654% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 5,373 |
| Noncurrent loans to loans | 0.6897% | 5,868 |
| Net loans and leases to total assets | 72.8192% | 2,999 |
| Net loans and leases to deposits | 81.0691% | 4,380 |
| Net loans and leases to core deposits | 94.4448% | 5,064 |
| Total domestic deposits to total assets | 89.8237% | 904 |
| Equity capital to assets | 9.9446% | 4,026 |
| Core capital (leverage) ratio | 9.9377% | 3,364 |
| Tier 1 risk-based capital ratio | 13.2840% | 3,950 |
| Total risk-based capital ratio | 14.2947% | 4,035 |
| Memoranda: | ||
| Average total assets | $63,179,000 | 6,324 |
| Average earning assets | $55,936,670 | 6,390 |
| Average equity | $6,342,670 | 6,594 |
| Average total loans | $45,768,330 | 5,941 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9822% | 2,434 |
| Cost of funding earning assets | 0.9813% | 7,699 |
| Net interest margin | 5.0010% | 398 |
| Noninterest income to average assets | 1.0821% | 1,277 |
| Noninterest expense to average assets | 4.1438% | 1,004 |
| Loan and lease loss provision to assets | 0.2546% | 3,929 |
| Net operating income to assets | 1.0375% | 2,172 |
| Return on assets (ROA) | 1.0375% | 2,302 |
| Pretax return on assets | 1.0630% | 3,132 |
| Return on Equity (ROE) | 10.2855% | 2,204 |
| Retained earnings to average equity (ytd only) | 2.5241% | 4,473 |
| Net charge-offs to loans | 0.0443% | 4,858 |
| Credit loss provision to net charge-offs | 800.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 41.4000% | 822 |
| Efficiency ratio | 75.8741% | 3,513 |
| Assets per employee ($millions) | 1.9625% | 7,927 |
| Cash dividends to net income (ytd only)* | 75.4601% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 5,820 |
| Loan loss allowance to noncurrent loans | 213.7778% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 5,507 |
| Noncurrent loans to loans | 0.4903% | 6,202 |
| Net loans and leases to total assets | 72.3057% | 3,176 |
| Net loans and leases to deposits | 80.6050% | 4,522 |
| Net loans and leases to core deposits | 92.0196% | 5,343 |
| Total domestic deposits to total assets | 89.7038% | 933 |
| Equity capital to assets | 10.1322% | 3,847 |
| Core capital (leverage) ratio | 9.9639% | 3,442 |
| Tier 1 risk-based capital ratio | 13.4805% | 3,878 |
| Total risk-based capital ratio | 14.5122% | 3,936 |
| Memoranda: | ||
| Average total assets | $62,841,500 | 6,366 |
| Average earning assets | $55,029,500 | 6,456 |
| Average equity | $6,339,000 | 6,644 |
| Average total loans | $45,162,500 | 6,005 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6736% | 2,134 |
| Cost of funding earning assets | 1.6208% | 7,404 |
| Net interest margin | 5.0528% | 451 |
| Noninterest income to average assets | 0.9904% | 1,608 |
| Noninterest expense to average assets | 3.8998% | 1,562 |
| Loan and lease loss provision to assets | 0.1766% | 5,135 |
| Net operating income to assets | 1.3304% | 1,403 |
| Return on assets (ROA) | 1.3304% | 1,357 |
| Pretax return on assets | 1.3642% | 2,074 |
| Return on Equity (ROE) | 14.4969% | 1,012 |
| Retained earnings to average equity (ytd only) | 2.9828% | 3,317 |
| Net charge-offs to loans | 0.2281% | 3,960 |
| Credit loss provision to net charge-offs | 117.6471% | 4,575 |
| Earnings coverage of net charge-offs (x) | 10.2647% | 2,547 |
| Efficiency ratio | 71.6797% | 3,997 |
| Assets per employee ($millions) | 1.9651% | 7,943 |
| Cash dividends to net income (ytd only)* | 79.4248% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 6,017 |
| Loan loss allowance to noncurrent loans | 307.5862% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 5,568 |
| Noncurrent loans to loans | 0.3263% | 6,395 |
| Net loans and leases to total assets | 69.9553% | 4,026 |
| Net loans and leases to deposits | 77.9260% | 5,350 |
| Net loans and leases to core deposits | 89.8782% | 5,808 |
| Total domestic deposits to total assets | 89.7715% | 732 |
| Equity capital to assets | 10.0425% | 3,986 |
| Core capital (leverage) ratio | 9.3281% | 4,260 |
| Tier 1 risk-based capital ratio | 13.5537% | 3,788 |
| Total risk-based capital ratio | 14.5249% | 3,860 |
| Memoranda: | ||
| Average total assets | $67,951,600 | 6,091 |
| Average earning assets | $59,848,000 | 6,178 |
| Average equity | $6,235,800 | 6,721 |
| Average total loans | $44,715,800 | 5,942 |