Home > First National Bank of Wauchula > Performance and Condition Ratios
First National Bank of Wauchula, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1639% | 519 |
| Cost of funding earning assets | 0.8471% | 3,619 |
| Net interest margin | 5.3168% | 231 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 4.1272% | 336 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9057% | 2,533 |
| Return on assets (ROA) | 0.9057% | 2,503 |
| Pretax return on assets | 0.9057% | 2,951 |
| Return on Equity (ROE) | 9.5900% | 2,612 |
| Retained earnings to average equity (ytd only) | 3.6028% | 3,092 |
| Net charge-offs to loans | -0.1543% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.1833% | 839 |
| Assets per employee ($millions) | 3.3659% | 4,318 |
| Cash dividends to net income (ytd only)* | 62.4220% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 1,220 |
| Loan loss allowance to noncurrent loans | 220.0441% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 1,125 |
| Noncurrent loans to loans | 0.6567% | 1,195 |
| Net loans and leases to total assets | 74.9800% | 1,248 |
| Net loans and leases to deposits | 86.5395% | 1,579 |
| Net loans and leases to core deposits | 109.7021% | 970 |
| Total domestic deposits to total assets | 86.6400% | 1,807 |
| Equity capital to assets | 9.2916% | 2,489 |
| Core capital (leverage) ratio | 10.6918% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $88,437,800 | 3,928 |
| Average earning assets | $78,619,400 | 3,943 |
| Average equity | $8,354,600 | 3,894 |
| Average total loans | $67,418,000 | 3,586 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0462% | 498 |
| Cost of funding earning assets | 0.6269% | 3,928 |
| Net interest margin | 5.4193% | 195 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 4.1474% | 331 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9458% | 2,527 |
| Return on assets (ROA) | 0.9458% | 2,516 |
| Pretax return on assets | 0.9458% | 2,988 |
| Return on Equity (ROE) | 9.9700% | 2,642 |
| Retained earnings to average equity (ytd only) | 9.9690% | 1,414 |
| Net charge-offs to loans | -0.2408% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.4713% | 834 |
| Assets per employee ($millions) | 3.0710% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,184 |
| Loan loss allowance to noncurrent loans | 183.1522% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 894 |
| Noncurrent loans to loans | 0.8043% | 1,034 |
| Net loans and leases to total assets | 78.6300% | 801 |
| Net loans and leases to deposits | 91.7488% | 1,074 |
| Net loans and leases to core deposits | 110.0698% | 871 |
| Total domestic deposits to total assets | 85.7100% | 2,278 |
| Equity capital to assets | 9.8385% | 1,917 |
| Core capital (leverage) ratio | 11.2872% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $87,827,750 | 3,950 |
| Average earning assets | $77,843,000 | 3,968 |
| Average equity | $8,332,250 | 3,897 |
| Average total loans | $66,988,750 | 3,604 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8997% | 506 |
| Cost of funding earning assets | 0.5284% | 3,926 |
| Net interest margin | 5.3712% | 195 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 4.0298% | 334 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0222% | 2,350 |
| Return on assets (ROA) | 1.0222% | 2,339 |
| Pretax return on assets | 1.0222% | 2,852 |
| Return on Equity (ROE) | 10.9100% | 2,442 |
| Retained earnings to average equity (ytd only) | 10.9051% | 1,201 |
| Net charge-offs to loans | -0.1866% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.8845% | 928 |
| Assets per employee ($millions) | 3.1229% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 1,622 |
| Loan loss allowance to noncurrent loans | 171.1152% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 853 |
| Noncurrent loans to loans | 0.8042% | 948 |
| Net loans and leases to total assets | 76.7100% | 975 |
| Net loans and leases to deposits | 86.9438% | 1,428 |
| Net loans and leases to core deposits | 103.2700% | 1,080 |
| Total domestic deposits to total assets | 88.2300% | 1,520 |
| Equity capital to assets | 9.7551% | 1,998 |
| Core capital (leverage) ratio | 10.9785% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $88,440,667 | 3,954 |
| Average earning assets | $78,343,333 | 3,983 |
| Average equity | $8,289,667 | 3,928 |
| Average total loans | $66,442,333 | 3,616 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7436% | 451 |
| Cost of funding earning assets | 0.4579% | 3,815 |
| Net interest margin | 5.2858% | 204 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 3.9307% | 373 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0389% | 2,414 |
| Return on assets (ROA) | 1.0389% | 2,379 |
| Pretax return on assets | 1.0389% | 2,889 |
| Return on Equity (ROE) | 11.3100% | 2,401 |
| Retained earnings to average equity (ytd only) | 11.3104% | 1,396 |
| Net charge-offs to loans | -0.3351% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.3857% | 966 |
| Assets per employee ($millions) | 3.1489% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 1,675 |
| Loan loss allowance to noncurrent loans | 143.9370% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 677 |
| Noncurrent loans to loans | 0.9626% | 775 |
| Net loans and leases to total assets | 73.7800% | 1,231 |
| Net loans and leases to deposits | 83.2127% | 1,551 |
| Net loans and leases to core deposits | 95.7000% | 1,303 |
| Total domestic deposits to total assets | 88.6700% | 1,673 |
| Equity capital to assets | 9.4252% | 2,205 |
| Core capital (leverage) ratio | 10.4715% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $88,940,500 | 4,007 |
| Average earning assets | $78,626,000 | 4,027 |
| Average equity | $8,169,500 | 3,983 |
| Average total loans | $65,656,500 | 3,670 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2682% | 203 |
| Cost of funding earning assets | 0.2521% | 3,302 |
| Net interest margin | 5.0161% | 134 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 3.9597% | 343 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6825% | 3,666 |
| Return on assets (ROA) | 0.6825% | 3,619 |
| Pretax return on assets | 0.6825% | 3,887 |
| Return on Equity (ROE) | 7.5400% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.1460% | 3,346 |
| Net charge-offs to loans | -0.1242% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.2653% | 480 |
| Assets per employee ($millions) | 3.3227% | 4,481 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 1,891 |
| Loan loss allowance to noncurrent loans | 620.4380% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 2,470 |
| Noncurrent loans to loans | 0.2097% | 2,443 |
| Net loans and leases to total assets | 71.8900% | 1,430 |
| Net loans and leases to deposits | 80.5895% | 1,729 |
| Net loans and leases to core deposits | 90.7652% | 1,465 |
| Total domestic deposits to total assets | 89.2100% | 1,662 |
| Equity capital to assets | 8.9497% | 2,391 |
| Core capital (leverage) ratio | 10.4267% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $87,911,400 | 4,039 |
| Average earning assets | $76,174,400 | 4,086 |
| Average equity | $7,959,400 | 4,100 |
| Average total loans | $64,437,600 | 3,667 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 170 |
| Cost of funding earning assets | 0.2314% | 2,912 |
| Net interest margin | 4.9316% | 130 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 3.9560% | 335 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.6067% | 3,817 |
| Return on assets (ROA) | 0.6067% | 3,774 |
| Pretax return on assets | 0.6067% | 3,974 |
| Return on Equity (ROE) | 6.6800% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.6816% | 2,483 |
| Net charge-offs to loans | -0.0457% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.7001% | 470 |
| Assets per employee ($millions) | 3.2140% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,668 |
| Loan loss allowance to noncurrent loans | 165.6716% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5405% | 997 |
| Noncurrent loans to loans | 0.7093% | 1,150 |
| Net loans and leases to total assets | 75.3000% | 983 |
| Net loans and leases to deposits | 84.8407% | 1,246 |
| Net loans and leases to core deposits | 94.9189% | 1,047 |
| Total domestic deposits to total assets | 88.7600% | 2,181 |
| Equity capital to assets | 8.8249% | 2,331 |
| Core capital (leverage) ratio | 10.6398% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $87,461,000 | 4,072 |
| Average earning assets | $75,483,500 | 4,124 |
| Average equity | $7,942,000 | 4,142 |
| Average total loans | $64,210,750 | 3,686 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0545% | 162 |
| Cost of funding earning assets | 0.2412% | 2,378 |
| Net interest margin | 4.8133% | 127 |
| Noninterest income to average assets | 0.3626% | 2,972 |
| Noninterest expense to average assets | 3.9161% | 300 |
| Loan and lease loss provision to assets | 0.0456% | 1,756 |
| Net operating income to assets | 0.5428% | 3,788 |
| Return on assets (ROA) | 0.5428% | 3,743 |
| Pretax return on assets | 0.5428% | 3,936 |
| Return on Equity (ROE) | 5.9229% | 3,595 |
| Retained earnings to average equity (ytd only) | 5.9229% | 2,358 |
| Net charge-offs to loans | -0.0315% | 4,052 |
| Credit loss provision to net charge-offs | -200.0000% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9367% | 542 |
| Assets per employee ($millions) | 3.2683% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,738 |
| Loan loss allowance to noncurrent loans | 257.1918% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 1,678 |
| Noncurrent loans to loans | 0.4629% | 1,726 |
| Net loans and leases to total assets | 70.6413% | 1,240 |
| Net loans and leases to deposits | 79.3281% | 1,432 |
| Net loans and leases to core deposits | 88.2196% | 1,213 |
| Total domestic deposits to total assets | 89.0496% | 2,163 |
| Equity capital to assets | 8.6307% | 2,668 |
| Core capital (leverage) ratio | 10.0436% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,689,000 | 4,104 |
| Average earning assets | $75,458,000 | 4,177 |
| Average equity | $8,036,667 | 4,200 |
| Average total loans | $63,573,333 | 3,731 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9060% | 173 |
| Cost of funding earning assets | 0.2421% | 2,247 |
| Net interest margin | 4.6638% | 144 |
| Noninterest income to average assets | 0.3752% | 2,840 |
| Noninterest expense to average assets | 3.9583% | 284 |
| Loan and lease loss provision to assets | 0.0229% | 1,950 |
| Net operating income to assets | 0.4485% | 3,849 |
| Return on assets (ROA) | 0.4485% | 3,816 |
| Pretax return on assets | 0.4485% | 3,952 |
| Return on Equity (ROE) | 4.7532% | 3,684 |
| Retained earnings to average equity (ytd only) | 4.7532% | 2,681 |
| Net charge-offs to loans | -0.0251% | 4,006 |
| Credit loss provision to net charge-offs | -125.0000% | 2,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3595% | 578 |
| Assets per employee ($millions) | 3.3046% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,225 |
| Loan loss allowance to noncurrent loans | 111.1280% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 763 |
| Noncurrent loans to loans | 1.0102% | 899 |
| Net loans and leases to total assets | 71.9638% | 837 |
| Net loans and leases to deposits | 81.0965% | 1,068 |
| Net loans and leases to core deposits | 89.8468% | 933 |
| Total domestic deposits to total assets | 88.7385% | 2,192 |
| Equity capital to assets | 9.0491% | 2,670 |
| Core capital (leverage) ratio | 10.1230% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,412,000 | 4,128 |
| Average earning assets | $75,989,000 | 4,190 |
| Average equity | $8,247,000 | 4,246 |
| Average total loans | $63,816,500 | 3,731 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1497% | 208 |
| Cost of funding earning assets | 0.3670% | 1,792 |
| Net interest margin | 4.7827% | 181 |
| Noninterest income to average assets | 0.4334% | 2,890 |
| Noninterest expense to average assets | 4.1425% | 264 |
| Loan and lease loss provision to assets | -0.2083% | 4,712 |
| Net operating income to assets | 0.4621% | 4,157 |
| Return on assets (ROA) | 0.4873% | 4,163 |
| Pretax return on assets | 0.4873% | 4,275 |
| Return on Equity (ROE) | 4.8727% | 4,021 |
| Retained earnings to average equity (ytd only) | 2.4783% | 3,834 |
| Net charge-offs to loans | -0.0909% | 4,557 |
| Credit loss provision to net charge-offs | 328.3019% | 1,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2266% | 232 |
| Assets per employee ($millions) | 3.1704% | 4,660 |
| Cash dividends to net income (ytd only)* | 49.1400% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,131 |
| Loan loss allowance to noncurrent loans | 105.4173% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 752 |
| Noncurrent loans to loans | 1.0894% | 890 |
| Net loans and leases to total assets | 72.4007% | 817 |
| Net loans and leases to deposits | 82.3993% | 1,025 |
| Net loans and leases to core deposits | 91.8012% | 890 |
| Total domestic deposits to total assets | 87.8657% | 2,118 |
| Equity capital to assets | 9.8364% | 2,816 |
| Core capital (leverage) ratio | 10.4074% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,523,800 | 4,171 |
| Average earning assets | $69,207,800 | 4,271 |
| Average equity | $8,352,600 | 4,304 |
| Average total loans | $58,311,400 | 3,843 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1824% | 229 |
| Cost of funding earning assets | 0.3977% | 1,709 |
| Net interest margin | 4.7847% | 200 |
| Noninterest income to average assets | 0.4385% | 2,892 |
| Noninterest expense to average assets | 4.1539% | 261 |
| Loan and lease loss provision to assets | -0.2795% | 4,821 |
| Net operating income to assets | 0.4674% | 4,260 |
| Return on assets (ROA) | 0.5012% | 4,243 |
| Pretax return on assets | 0.5012% | 4,369 |
| Return on Equity (ROE) | 4.9904% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.9904% | 3,223 |
| Net charge-offs to loans | -0.1049% | 4,631 |
| Credit loss provision to net charge-offs | 386.6667% | 874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6715% | 200 |
| Assets per employee ($millions) | 3.0650% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 3,029 |
| Loan loss allowance to noncurrent loans | 96.2213% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 769 |
| Noncurrent loans to loans | 1.2384% | 897 |
| Net loans and leases to total assets | 71.4438% | 931 |
| Net loans and leases to deposits | 82.0346% | 1,116 |
| Net loans and leases to core deposits | 91.1367% | 971 |
| Total domestic deposits to total assets | 87.0898% | 2,320 |
| Equity capital to assets | 10.2385% | 2,671 |
| Core capital (leverage) ratio | 10.7652% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,004,750 | 4,227 |
| Average earning assets | $67,714,500 | 4,346 |
| Average equity | $8,335,750 | 4,367 |
| Average total loans | $57,215,500 | 3,923 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 255 |
| Cost of funding earning assets | 0.4333% | 1,633 |
| Net interest margin | 4.7720% | 229 |
| Noninterest income to average assets | 0.4694% | 2,758 |
| Noninterest expense to average assets | 4.2582% | 242 |
| Loan and lease loss provision to assets | -0.3611% | 4,865 |
| Net operating income to assets | 0.4164% | 4,356 |
| Return on assets (ROA) | 0.4670% | 4,321 |
| Pretax return on assets | 0.4670% | 4,434 |
| Return on Equity (ROE) | 4.6803% | 4,193 |
| Retained earnings to average equity (ytd only) | 4.6803% | 3,307 |
| Net charge-offs to loans | -0.0674% | 4,491 |
| Credit loss provision to net charge-offs | 789.4737% | 543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7165% | 181 |
| Assets per employee ($millions) | 3.1094% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,809 |
| Loan loss allowance to noncurrent loans | 92.0882% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9183% | 836 |
| Noncurrent loans to loans | 1.3278% | 881 |
| Net loans and leases to total assets | 68.3176% | 1,412 |
| Net loans and leases to deposits | 78.1023% | 1,612 |
| Net loans and leases to core deposits | 85.9871% | 1,416 |
| Total domestic deposits to total assets | 87.4719% | 2,106 |
| Equity capital to assets | 9.9506% | 2,891 |
| Core capital (leverage) ratio | 10.3800% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,087,667 | 4,251 |
| Average earning assets | $66,932,333 | 4,383 |
| Average equity | $8,290,000 | 4,395 |
| Average total loans | $56,341,667 | 3,967 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0943% | 311 |
| Cost of funding earning assets | 0.4516% | 1,709 |
| Net interest margin | 4.6427% | 295 |
| Noninterest income to average assets | 0.5856% | 2,269 |
| Noninterest expense to average assets | 4.6120% | 202 |
| Loan and lease loss provision to assets | -0.7211% | 4,948 |
| Net operating income to assets | 0.4259% | 4,320 |
| Return on assets (ROA) | 0.5275% | 4,161 |
| Pretax return on assets | 0.5275% | 4,303 |
| Return on Equity (ROE) | 5.2797% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.2797% | 3,132 |
| Net charge-offs to loans | -0.1298% | 4,709 |
| Credit loss provision to net charge-offs | 827.7778% | 465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8386% | 129 |
| Assets per employee ($millions) | 3.1745% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,556 |
| Loan loss allowance to noncurrent loans | 92.9227% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 975 |
| Noncurrent loans to loans | 1.3721% | 923 |
| Net loans and leases to total assets | 64.0513% | 2,032 |
| Net loans and leases to deposits | 72.8190% | 2,234 |
| Net loans and leases to core deposits | 80.1890% | 1,987 |
| Total domestic deposits to total assets | 87.9595% | 1,864 |
| Equity capital to assets | 9.5624% | 3,135 |
| Core capital (leverage) ratio | 10.5298% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,654,000 | 4,272 |
| Average earning assets | $66,427,500 | 4,405 |
| Average equity | $8,258,000 | 4,413 |
| Average total loans | $55,479,500 | 4,000 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4021% | 219 |
| Cost of funding earning assets | 0.6433% | 2,042 |
| Net interest margin | 4.7588% | 187 |
| Noninterest income to average assets | 0.5113% | 2,581 |
| Noninterest expense to average assets | 4.2162% | 307 |
| Loan and lease loss provision to assets | -0.1142% | 4,960 |
| Net operating income to assets | 0.3515% | 4,342 |
| Return on assets (ROA) | 0.3515% | 4,413 |
| Pretax return on assets | 0.3515% | 4,483 |
| Return on Equity (ROE) | 3.2997% | 4,302 |
| Retained earnings to average equity (ytd only) | 0.9173% | 4,254 |
| Net charge-offs to loans | -0.0145% | 4,344 |
| Credit loss provision to net charge-offs | 1,125.0000% | 714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6724% | 258 |
| Assets per employee ($millions) | 2.9480% | 4,820 |
| Cash dividends to net income (ytd only)* | 72.2022% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 1,511 |
| Loan loss allowance to noncurrent loans | 101.0804% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 893 |
| Noncurrent loans to loans | 1.5049% | 883 |
| Net loans and leases to total assets | 68.4812% | 1,765 |
| Net loans and leases to deposits | 78.8500% | 1,990 |
| Net loans and leases to core deposits | 88.3724% | 1,653 |
| Total domestic deposits to total assets | 86.8500% | 2,009 |
| Equity capital to assets | 10.4527% | 2,711 |
| Core capital (leverage) ratio | 10.5999% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,815,800 | 4,256 |
| Average earning assets | $65,289,600 | 4,367 |
| Average equity | $8,394,600 | 4,381 |
| Average total loans | $55,256,600 | 3,993 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3778% | 290 |
| Cost of funding earning assets | 0.6639% | 2,237 |
| Net interest margin | 4.7140% | 249 |
| Noninterest income to average assets | 0.4647% | 2,764 |
| Noninterest expense to average assets | 4.2159% | 317 |
| Loan and lease loss provision to assets | -0.1119% | 5,000 |
| Net operating income to assets | 0.2985% | 4,452 |
| Return on assets (ROA) | 0.2985% | 4,498 |
| Pretax return on assets | 0.2985% | 4,547 |
| Return on Equity (ROE) | 2.7892% | 4,432 |
| Retained earnings to average equity (ytd only) | 2.7892% | 3,612 |
| Net charge-offs to loans | -0.0121% | 4,271 |
| Credit loss provision to net charge-offs | 1,320.0000% | 686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7627% | 230 |
| Assets per employee ($millions) | 3.0436% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,302 |
| Loan loss allowance to noncurrent loans | 85.6859% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 806 |
| Noncurrent loans to loans | 1.7853% | 744 |
| Net loans and leases to total assets | 67.5234% | 2,310 |
| Net loans and leases to deposits | 77.6816% | 2,560 |
| Net loans and leases to core deposits | 86.7054% | 2,255 |
| Total domestic deposits to total assets | 86.9232% | 1,700 |
| Equity capital to assets | 10.4203% | 2,859 |
| Core capital (leverage) ratio | 10.5555% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,620,500 | 4,266 |
| Average earning assets | $65,675,250 | 4,371 |
| Average equity | $8,413,250 | 4,404 |
| Average total loans | $55,233,000 | 4,018 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4550% | 361 |
| Cost of funding earning assets | 0.6941% | 2,424 |
| Net interest margin | 4.7609% | 303 |
| Noninterest income to average assets | 0.4701% | 2,710 |
| Noninterest expense to average assets | 4.3469% | 290 |
| Loan and lease loss provision to assets | -0.1601% | 5,034 |
| Net operating income to assets | 0.3048% | 4,409 |
| Return on assets (ROA) | 0.3048% | 4,457 |
| Pretax return on assets | 0.3048% | 4,532 |
| Return on Equity (ROE) | 2.8218% | 4,382 |
| Retained earnings to average equity (ytd only) | 2.8218% | 3,453 |
| Net charge-offs to loans | -0.0036% | 3,923 |
| Credit loss provision to net charge-offs | 6,200.0000% | 185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7798% | 227 |
| Assets per employee ($millions) | 2.9803% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 1,163 |
| Loan loss allowance to noncurrent loans | 83.0606% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 855 |
| Noncurrent loans to loans | 1.8482% | 753 |
| Net loans and leases to total assets | 66.3355% | 2,578 |
| Net loans and leases to deposits | 76.0496% | 2,859 |
| Net loans and leases to core deposits | 84.6769% | 2,560 |
| Total domestic deposits to total assets | 87.2266% | 1,532 |
| Equity capital to assets | 10.2041% | 3,014 |
| Core capital (leverage) ratio | 10.7215% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,435,333 | 4,291 |
| Average earning assets | $65,407,667 | 4,385 |
| Average equity | $8,363,333 | 4,425 |
| Average total loans | $54,860,667 | 4,038 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6526% | 272 |
| Cost of funding earning assets | 0.7483% | 2,679 |
| Net interest margin | 4.9043% | 230 |
| Noninterest income to average assets | 0.4084% | 3,036 |
| Noninterest expense to average assets | 4.6809% | 264 |
| Loan and lease loss provision to assets | -0.2848% | 5,090 |
| Net operating income to assets | 0.2741% | 4,404 |
| Return on assets (ROA) | 0.2741% | 4,425 |
| Pretax return on assets | 0.2741% | 4,487 |
| Return on Equity (ROE) | 2.4615% | 4,352 |
| Retained earnings to average equity (ytd only) | 2.4615% | 3,285 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2301% | 234 |
| Assets per employee ($millions) | 2.7199% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,129 |
| Loan loss allowance to noncurrent loans | 82.5261% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.3827% | 821 |
| Noncurrent loans to loans | 1.9103% | 768 |
| Net loans and leases to total assets | 71.2393% | 2,047 |
| Net loans and leases to deposits | 82.4276% | 2,400 |
| Net loans and leases to core deposits | 96.1081% | 1,780 |
| Total domestic deposits to total assets | 86.4265% | 1,812 |
| Equity capital to assets | 10.9656% | 2,886 |
| Core capital (leverage) ratio | 11.1684% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,429,500 | 4,336 |
| Average earning assets | $64,678,000 | 4,407 |
| Average equity | $8,287,500 | 4,458 |
| Average total loans | $54,182,000 | 4,067 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5276% | 536 |
| Cost of funding earning assets | 0.6577% | 3,377 |
| Net interest margin | 4.8699% | 349 |
| Noninterest income to average assets | 0.4342% | 3,085 |
| Noninterest expense to average assets | 4.4610% | 318 |
| Loan and lease loss provision to assets | -0.2591% | 5,138 |
| Net operating income to assets | 0.5462% | 4,301 |
| Return on assets (ROA) | 0.5490% | 4,349 |
| Pretax return on assets | 0.5490% | 4,493 |
| Return on Equity (ROE) | 4.7576% | 4,280 |
| Retained earnings to average equity (ytd only) | 0.5097% | 4,542 |
| Net charge-offs to loans | -0.3566% | 5,100 |
| Credit loss provision to net charge-offs | 103.3520% | 2,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9528% | 247 |
| Assets per employee ($millions) | 2.5966% | 4,972 |
| Cash dividends to net income (ytd only)* | 89.2857% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 741 |
| Loan loss allowance to noncurrent loans | 69.4507% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 471 |
| Noncurrent loans to loans | 2.4961% | 432 |
| Net loans and leases to total assets | 71.9607% | 2,096 |
| Net loans and leases to deposits | 83.6689% | 2,365 |
| Net loans and leases to core deposits | 95.7715% | 1,920 |
| Total domestic deposits to total assets | 86.0065% | 2,063 |
| Equity capital to assets | 11.3115% | 2,696 |
| Core capital (leverage) ratio | 11.8437% | 1,872 |
| Tier 1 risk-based capital ratio | 17.3162% | 1,959 |
| Total risk-based capital ratio | 18.5720% | 1,904 |
| Memoranda: | ||
| Average total assets | $71,396,800 | 4,405 |
| Average earning assets | $63,246,200 | 4,455 |
| Average equity | $8,239,400 | 4,479 |
| Average total loans | $50,199,200 | 4,177 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5034% | 582 |
| Cost of funding earning assets | 0.6143% | 3,621 |
| Net interest margin | 4.8891% | 352 |
| Noninterest income to average assets | 0.3902% | 3,378 |
| Noninterest expense to average assets | 4.4162% | 324 |
| Loan and lease loss provision to assets | -0.0525% | 5,128 |
| Net operating income to assets | 0.3565% | 4,781 |
| Return on assets (ROA) | 0.3602% | 4,804 |
| Pretax return on assets | 0.3602% | 4,848 |
| Return on Equity (ROE) | 3.1054% | 4,750 |
| Retained earnings to average equity (ytd only) | 3.1054% | 3,851 |
| Net charge-offs to loans | -0.0701% | 4,915 |
| Credit loss provision to net charge-offs | 107.6923% | 2,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5612% | 243 |
| Assets per employee ($millions) | 2.5596% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 702 |
| Loan loss allowance to noncurrent loans | 63.5181% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 2.0386% | 422 |
| Noncurrent loans to loans | 2.8162% | 374 |
| Net loans and leases to total assets | 71.0917% | 2,309 |
| Net loans and leases to deposits | 83.1864% | 2,544 |
| Net loans and leases to core deposits | 92.0190% | 2,370 |
| Total domestic deposits to total assets | 85.4607% | 2,232 |
| Equity capital to assets | 11.8337% | 2,387 |
| Core capital (leverage) ratio | 12.0038% | 1,848 |
| Tier 1 risk-based capital ratio | 17.5111% | 1,941 |
| Total risk-based capital ratio | 18.7672% | 1,907 |
| Memoranda: | ||
| Average total assets | $71,069,750 | 4,466 |
| Average earning assets | $62,941,500 | 4,510 |
| Average equity | $8,243,250 | 4,532 |
| Average total loans | $49,438,500 | 4,246 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4593% | 611 |
| Cost of funding earning assets | 0.5960% | 3,669 |
| Net interest margin | 4.8633% | 363 |
| Noninterest income to average assets | 0.3894% | 3,344 |
| Noninterest expense to average assets | 4.3544% | 349 |
| Loan and lease loss provision to assets | -0.0085% | 5,119 |
| Net operating income to assets | 0.3499% | 4,802 |
| Return on assets (ROA) | 0.3556% | 4,814 |
| Pretax return on assets | 0.3556% | 4,881 |
| Return on Equity (ROE) | 3.0867% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.0867% | 3,675 |
| Net charge-offs to loans | -0.0041% | 4,079 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7284% | 264 |
| Assets per employee ($millions) | 2.5213% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8705% | 599 |
| Loan loss allowance to noncurrent loans | 62.5084% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 2.1007% | 423 |
| Noncurrent loans to loans | 2.9924% | 340 |
| Net loans and leases to total assets | 68.8878% | 2,689 |
| Net loans and leases to deposits | 80.6167% | 2,888 |
| Net loans and leases to core deposits | 89.2838% | 2,661 |
| Total domestic deposits to total assets | 85.4510% | 2,283 |
| Equity capital to assets | 11.8349% | 2,315 |
| Core capital (leverage) ratio | 12.0361% | 1,803 |
| Tier 1 risk-based capital ratio | 18.8592% | 1,586 |
| Total risk-based capital ratio | 20.1175% | 1,552 |
| Memoranda: | ||
| Average total assets | $70,870,330 | 4,503 |
| Average earning assets | $62,755,670 | 4,546 |
| Average equity | $8,164,000 | 4,564 |
| Average total loans | $48,625,330 | 4,289 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 629 |
| Cost of funding earning assets | 0.5976% | 3,589 |
| Net interest margin | 4.8057% | 407 |
| Noninterest income to average assets | 0.3605% | 3,443 |
| Noninterest expense to average assets | 4.3545% | 351 |
| Loan and lease loss provision to assets | -0.0113% | 5,214 |
| Net operating income to assets | 0.3211% | 4,870 |
| Return on assets (ROA) | 0.3211% | 4,877 |
| Pretax return on assets | 0.3211% | 4,937 |
| Return on Equity (ROE) | 2.8258% | 4,827 |
| Retained earnings to average equity (ytd only) | 2.8258% | 3,810 |
| Net charge-offs to loans | -0.0083% | 4,159 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3575% | 297 |
| Assets per employee ($millions) | 2.5394% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 596 |
| Loan loss allowance to noncurrent loans | 59.2214% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 2.2038% | 397 |
| Noncurrent loans to loans | 3.1993% | 316 |
| Net loans and leases to total assets | 67.5785% | 2,818 |
| Net loans and leases to deposits | 78.6123% | 2,992 |
| Net loans and leases to core deposits | 85.8176% | 2,881 |
| Total domestic deposits to total assets | 85.9642% | 2,296 |
| Equity capital to assets | 11.4607% | 2,432 |
| Core capital (leverage) ratio | 11.7966% | 1,911 |
| Tier 1 risk-based capital ratio | 18.5404% | 1,648 |
| Total risk-based capital ratio | 19.7982% | 1,606 |
| Memoranda: | ||
| Average total assets | $71,007,500 | 4,551 |
| Average earning assets | $63,591,500 | 4,586 |
| Average equity | $8,068,500 | 4,612 |
| Average total loans | $48,158,500 | 4,348 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 1,219 |
| Cost of funding earning assets | 0.4440% | 3,717 |
| Net interest margin | 4.4799% | 794 |
| Noninterest income to average assets | 0.4763% | 2,965 |
| Noninterest expense to average assets | 4.1743% | 413 |
| Loan and lease loss provision to assets | -0.0248% | 5,142 |
| Net operating income to assets | 0.3001% | 5,006 |
| Return on assets (ROA) | 0.3001% | 5,001 |
| Pretax return on assets | 0.3001% | 5,043 |
| Return on Equity (ROE) | 2.7505% | 4,948 |
| Retained earnings to average equity (ytd only) | 1.4888% | 4,540 |
| Net charge-offs to loans | 0.0683% | 2,140 |
| Credit loss provision to net charge-offs | -58.0645% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.4516% | 3,088 |
| Efficiency ratio | 93.8119% | 244 |
| Assets per employee ($millions) | 2.5325% | 5,196 |
| Cash dividends to net income (ytd only)* | 45.8716% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9625% | 503 |
| Loan loss allowance to noncurrent loans | 55.6621% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.3537% | 344 |
| Noncurrent loans to loans | 3.5257% | 250 |
| Net loans and leases to total assets | 65.4468% | 3,204 |
| Net loans and leases to deposits | 75.9297% | 3,353 |
| Net loans and leases to core deposits | 83.9101% | 3,101 |
| Total domestic deposits to total assets | 86.1940% | 2,133 |
| Equity capital to assets | 11.2648% | 2,459 |
| Core capital (leverage) ratio | 11.9988% | 1,735 |
| Tier 1 risk-based capital ratio | 19.2544% | 1,463 |
| Total risk-based capital ratio | 20.5129% | 1,423 |
| Memoranda: | ||
| Average total assets | $72,635,800 | 4,542 |
| Average earning assets | $64,421,200 | 4,580 |
| Average equity | $7,925,800 | 4,622 |
| Average total loans | $45,381,600 | 4,426 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 1,157 |
| Cost of funding earning assets | 0.4335% | 3,640 |
| Net interest margin | 4.4672% | 794 |
| Noninterest income to average assets | 0.4142% | 3,396 |
| Noninterest expense to average assets | 4.1477% | 423 |
| Loan and lease loss provision to assets | -0.0256% | 5,251 |
| Net operating income to assets | 0.2409% | 5,167 |
| Return on assets (ROA) | 0.2409% | 5,160 |
| Pretax return on assets | 0.2409% | 5,183 |
| Return on Equity (ROE) | 2.2250% | 5,108 |
| Retained earnings to average equity (ytd only) | 2.2250% | 4,494 |
| Net charge-offs to loans | -0.0535% | 4,954 |
| Credit loss provision to net charge-offs | 77.7778% | 2,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0648% | 220 |
| Assets per employee ($millions) | 2.6730% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 363 |
| Loan loss allowance to noncurrent loans | 55.8272% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 2.8239% | 275 |
| Noncurrent loans to loans | 3.9429% | 213 |
| Net loans and leases to total assets | 60.4545% | 3,798 |
| Net loans and leases to deposits | 69.9378% | 3,921 |
| Net loans and leases to core deposits | 80.0169% | 3,493 |
| Total domestic deposits to total assets | 86.4403% | 1,997 |
| Equity capital to assets | 10.9644% | 2,693 |
| Core capital (leverage) ratio | 11.4568% | 2,209 |
| Tier 1 risk-based capital ratio | 20.2833% | 1,284 |
| Total risk-based capital ratio | 21.5449% | 1,257 |
| Memoranda: | ||
| Average total assets | $73,067,000 | 4,588 |
| Average earning assets | $64,587,750 | 4,631 |
| Average equity | $7,910,250 | 4,667 |
| Average total loans | $44,892,500 | 4,486 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 1,087 |
| Cost of funding earning assets | 0.4253% | 3,534 |
| Net interest margin | 4.4441% | 779 |
| Noninterest income to average assets | 0.4443% | 3,191 |
| Noninterest expense to average assets | 4.1245% | 461 |
| Loan and lease loss provision to assets | -0.0109% | 5,304 |
| Net operating income to assets | 0.2617% | 5,172 |
| Return on assets (ROA) | 0.2617% | 5,166 |
| Pretax return on assets | 0.2617% | 5,196 |
| Return on Equity (ROE) | 2.4275% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.4275% | 4,293 |
| Net charge-offs to loans | -0.0267% | 4,698 |
| Credit loss provision to net charge-offs | 66.6667% | 2,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2679% | 254 |
| Assets per employee ($millions) | 2.5373% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 391 |
| Loan loss allowance to noncurrent loans | 43.7556% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 3.4261% | 189 |
| Noncurrent loans to loans | 4.9708% | 139 |
| Net loans and leases to total assets | 59.9630% | 3,815 |
| Net loans and leases to deposits | 69.1448% | 3,935 |
| Net loans and leases to core deposits | 79.2136% | 3,480 |
| Total domestic deposits to total assets | 86.7209% | 1,962 |
| Equity capital to assets | 10.7268% | 2,905 |
| Core capital (leverage) ratio | 11.3946% | 2,161 |
| Tier 1 risk-based capital ratio | 19.8633% | 1,351 |
| Total risk-based capital ratio | 21.1251% | 1,319 |
| Memoranda: | ||
| Average total assets | $73,366,000 | 4,632 |
| Average earning assets | $64,894,670 | 4,680 |
| Average equity | $7,909,330 | 4,712 |
| Average total loans | $44,986,000 | 4,524 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 1,079 |
| Cost of funding earning assets | 0.4130% | 3,496 |
| Net interest margin | 4.3889% | 784 |
| Noninterest income to average assets | 0.4477% | 3,128 |
| Noninterest expense to average assets | 4.1770% | 422 |
| Loan and lease loss provision to assets | -0.0109% | 5,413 |
| Net operating income to assets | 0.1693% | 5,275 |
| Return on assets (ROA) | 0.1693% | 5,271 |
| Pretax return on assets | 0.1693% | 5,284 |
| Return on Equity (ROE) | 1.5662% | 5,241 |
| Retained earnings to average equity (ytd only) | 1.5662% | 4,470 |
| Net charge-offs to loans | -0.0356% | 4,820 |
| Credit loss provision to net charge-offs | 50.0000% | 1,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3476% | 246 |
| Assets per employee ($millions) | 2.5653% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1887% | 397 |
| Loan loss allowance to noncurrent loans | 50.4634% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 3.0352% | 264 |
| Noncurrent loans to loans | 4.3372% | 212 |
| Net loans and leases to total assets | 58.8682% | 3,864 |
| Net loans and leases to deposits | 67.7354% | 3,962 |
| Net loans and leases to core deposits | 77.6480% | 3,527 |
| Total domestic deposits to total assets | 86.9091% | 2,165 |
| Equity capital to assets | 10.5733% | 2,998 |
| Core capital (leverage) ratio | 11.4603% | 2,043 |
| Tier 1 risk-based capital ratio | 19.5346% | 1,431 |
| Total risk-based capital ratio | 20.7967% | 1,398 |
| Memoranda: | ||
| Average total assets | $73,258,000 | 4,686 |
| Average earning assets | $64,890,500 | 4,734 |
| Average equity | $7,917,500 | 4,759 |
| Average total loans | $44,927,500 | 4,568 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 1,240 |
| Cost of funding earning assets | 0.4542% | 2,731 |
| Net interest margin | 4.2285% | 1,130 |
| Noninterest income to average assets | 0.5217% | 2,873 |
| Noninterest expense to average assets | 3.9713% | 557 |
| Loan and lease loss provision to assets | -0.1003% | 5,479 |
| Net operating income to assets | 0.4240% | 4,613 |
| Return on assets (ROA) | 0.4240% | 4,635 |
| Pretax return on assets | 0.4240% | 5,054 |
| Return on Equity (ROE) | 3.9164% | 4,526 |
| Retained earnings to average equity (ytd only) | 3.9164% | 2,855 |
| Net charge-offs to loans | -0.0089% | 4,757 |
| Credit loss provision to net charge-offs | 1,875.0000% | 201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4634% | 338 |
| Assets per employee ($millions) | 2.4869% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1695% | 395 |
| Loan loss allowance to noncurrent loans | 50.1538% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 3.2861% | 226 |
| Noncurrent loans to loans | 4.3256% | 202 |
| Net loans and leases to total assets | 61.1500% | 3,716 |
| Net loans and leases to deposits | 70.8181% | 3,809 |
| Net loans and leases to core deposits | 81.8371% | 3,260 |
| Total domestic deposits to total assets | 86.3479% | 2,294 |
| Equity capital to assets | 11.0495% | 2,583 |
| Core capital (leverage) ratio | 11.3896% | 2,024 |
| Tier 1 risk-based capital ratio | 19.6869% | 1,383 |
| Total risk-based capital ratio | 20.9495% | 1,343 |
| Memoranda: | ||
| Average total assets | $74,761,600 | 4,697 |
| Average earning assets | $66,713,400 | 4,731 |
| Average equity | $8,094,200 | 4,771 |
| Average total loans | $44,803,400 | 4,596 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,296 |
| Cost of funding earning assets | 0.4544% | 2,677 |
| Net interest margin | 4.1743% | 1,215 |
| Noninterest income to average assets | 0.4702% | 3,210 |
| Noninterest expense to average assets | 3.8962% | 596 |
| Loan and lease loss provision to assets | -0.1290% | 5,619 |
| Net operating income to assets | 0.4384% | 4,904 |
| Return on assets (ROA) | 0.4384% | 4,933 |
| Pretax return on assets | 0.4384% | 5,126 |
| Return on Equity (ROE) | 4.0694% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.0694% | 3,499 |
| Net charge-offs to loans | -0.0358% | 5,056 |
| Credit loss provision to net charge-offs | 608.3333% | 539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6440% | 326 |
| Assets per employee ($millions) | 2.5683% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1848% | 421 |
| Loan loss allowance to noncurrent loans | 41.6631% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 3.8358% | 178 |
| Noncurrent loans to loans | 5.2439% | 147 |
| Net loans and leases to total assets | 59.3284% | 3,940 |
| Net loans and leases to deposits | 68.7435% | 4,060 |
| Net loans and leases to core deposits | 81.9651% | 3,289 |
| Total domestic deposits to total assets | 86.3041% | 2,177 |
| Equity capital to assets | 11.1463% | 2,722 |
| Core capital (leverage) ratio | 11.4462% | 2,059 |
| Tier 1 risk-based capital ratio | 18.5032% | 1,727 |
| Total risk-based capital ratio | 19.7620% | 1,679 |
| Memoranda: | ||
| Average total assets | $75,421,750 | 4,728 |
| Average earning assets | $67,490,250 | 4,763 |
| Average equity | $8,125,500 | 4,821 |
| Average total loans | $44,734,250 | 4,643 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 1,340 |
| Cost of funding earning assets | 0.4560% | 2,546 |
| Net interest margin | 4.1095% | 1,302 |
| Noninterest income to average assets | 0.4648% | 3,255 |
| Noninterest expense to average assets | 3.8740% | 613 |
| Loan and lease loss provision to assets | -0.1373% | 5,672 |
| Net operating income to assets | 0.4172% | 4,943 |
| Return on assets (ROA) | 0.4172% | 4,969 |
| Pretax return on assets | 0.4172% | 5,151 |
| Return on Equity (ROE) | 3.9174% | 4,847 |
| Retained earnings to average equity (ytd only) | 3.9174% | 3,365 |
| Net charge-offs to loans | -0.0045% | 4,313 |
| Credit loss provision to net charge-offs | 5,200.0000% | 87 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2613% | 323 |
| Assets per employee ($millions) | 2.6986% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1945% | 440 |
| Loan loss allowance to noncurrent loans | 41.1207% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 3.2623% | 260 |
| Noncurrent loans to loans | 5.3366% | 131 |
| Net loans and leases to total assets | 58.8671% | 3,934 |
| Net loans and leases to deposits | 67.9686% | 4,076 |
| Net loans and leases to core deposits | 80.7391% | 3,365 |
| Total domestic deposits to total assets | 86.6093% | 2,126 |
| Equity capital to assets | 10.9211% | 2,904 |
| Core capital (leverage) ratio | 11.0689% | 2,341 |
| Tier 1 risk-based capital ratio | 18.8953% | 1,610 |
| Total risk-based capital ratio | 20.1564% | 1,570 |
| Memoranda: | ||
| Average total assets | $75,735,000 | 4,746 |
| Average earning assets | $67,989,000 | 4,786 |
| Average equity | $8,066,670 | 4,851 |
| Average total loans | $44,587,000 | 4,673 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 1,375 |
| Cost of funding earning assets | 0.4740% | 2,317 |
| Net interest margin | 4.0260% | 1,400 |
| Noninterest income to average assets | 0.4695% | 3,193 |
| Noninterest expense to average assets | 4.0568% | 506 |
| Loan and lease loss provision to assets | -0.2743% | 5,813 |
| Net operating income to assets | 0.3165% | 5,149 |
| Return on assets (ROA) | 0.3165% | 5,177 |
| Pretax return on assets | 0.3165% | 5,286 |
| Return on Equity (ROE) | 3.0098% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.0098% | 3,907 |
| Net charge-offs to loans | -0.0091% | 4,380 |
| Credit loss provision to net charge-offs | 5,200.0000% | 56 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9704% | 241 |
| Assets per employee ($millions) | 2.7381% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2428% | 444 |
| Loan loss allowance to noncurrent loans | 38.5714% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 3.4278% | 253 |
| Noncurrent loans to loans | 5.8146% | 119 |
| Net loans and leases to total assets | 56.7963% | 4,086 |
| Net loans and leases to deposits | 65.2120% | 4,233 |
| Net loans and leases to core deposits | 77.1537% | 3,545 |
| Total domestic deposits to total assets | 87.0948% | 2,166 |
| Equity capital to assets | 10.4947% | 3,192 |
| Core capital (leverage) ratio | 11.0256% | 2,337 |
| Tier 1 risk-based capital ratio | 18.8286% | 1,647 |
| Total risk-based capital ratio | 20.0890% | 1,606 |
| Memoranda: | ||
| Average total assets | $75,822,500 | 4,797 |
| Average earning assets | $68,356,500 | 4,822 |
| Average equity | $7,974,000 | 4,903 |
| Average total loans | $44,141,500 | 4,721 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 1,204 |
| Cost of funding earning assets | 0.4882% | 2,181 |
| Net interest margin | 4.1441% | 1,259 |
| Noninterest income to average assets | 0.4957% | 3,271 |
| Noninterest expense to average assets | 3.9875% | 612 |
| Loan and lease loss provision to assets | -0.0124% | 5,500 |
| Net operating income to assets | 0.2492% | 5,322 |
| Return on assets (ROA) | 0.2492% | 5,392 |
| Pretax return on assets | 0.2492% | 5,432 |
| Return on Equity (ROE) | 2.2521% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.2521% | 4,253 |
| Net charge-offs to loans | 0.1702% | 1,599 |
| Credit loss provision to net charge-offs | -12.6761% | 4,755 |
| Earnings coverage of net charge-offs (x) | 2.4225% | 3,833 |
| Efficiency ratio | 94.3937% | 369 |
| Assets per employee ($millions) | 2.6778% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3983% | 356 |
| Loan loss allowance to noncurrent loans | 39.8556% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 3.5610% | 243 |
| Noncurrent loans to loans | 6.0174% | 99 |
| Net loans and leases to total assets | 56.9380% | 4,172 |
| Net loans and leases to deposits | 65.4188% | 4,297 |
| Net loans and leases to core deposits | 77.5354% | 3,603 |
| Total domestic deposits to total assets | 87.0362% | 2,127 |
| Equity capital to assets | 10.5391% | 3,106 |
| Core capital (leverage) ratio | 11.3314% | 2,058 |
| Tier 1 risk-based capital ratio | 19.1591% | 1,555 |
| Total risk-based capital ratio | 20.4232% | 1,515 |
| Memoranda: | ||
| Average total assets | $72,627,200 | 4,876 |
| Average earning assets | $65,346,200 | 4,910 |
| Average equity | $8,036,800 | 4,932 |
| Average total loans | $41,713,000 | 4,825 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6253% | 1,245 |
| Cost of funding earning assets | 0.4895% | 2,180 |
| Net interest margin | 4.1359% | 1,288 |
| Noninterest income to average assets | 0.5182% | 3,129 |
| Noninterest expense to average assets | 3.9070% | 668 |
| Loan and lease loss provision to assets | -0.0111% | 5,650 |
| Net operating income to assets | 0.3442% | 5,178 |
| Return on assets (ROA) | 0.3442% | 5,260 |
| Pretax return on assets | 0.3442% | 5,387 |
| Return on Equity (ROE) | 3.0728% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.0728% | 4,073 |
| Net charge-offs to loans | 0.1683% | 1,361 |
| Credit loss provision to net charge-offs | -11.5385% | 4,623 |
| Earnings coverage of net charge-offs (x) | 3.4616% | 3,413 |
| Efficiency ratio | 92.1432% | 458 |
| Assets per employee ($millions) | 2.4519% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4990% | 334 |
| Loan loss allowance to noncurrent loans | 40.5221% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 3.7705% | 238 |
| Noncurrent loans to loans | 6.1670% | 110 |
| Net loans and leases to total assets | 58.7674% | 4,022 |
| Net loans and leases to deposits | 68.4792% | 4,106 |
| Net loans and leases to core deposits | 76.4331% | 3,796 |
| Total domestic deposits to total assets | 85.8180% | 2,445 |
| Equity capital to assets | 11.6604% | 2,391 |
| Core capital (leverage) ratio | 11.5731% | 1,974 |
| Tier 1 risk-based capital ratio | 18.9572% | 1,681 |
| Total risk-based capital ratio | 20.2209% | 1,636 |
| Memoranda: | ||
| Average total assets | $72,039,500 | 4,930 |
| Average earning assets | $64,829,500 | 4,963 |
| Average equity | $8,070,500 | 4,970 |
| Average total loans | $41,206,250 | 4,884 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 1,376 |
| Cost of funding earning assets | 0.4848% | 2,231 |
| Net interest margin | 4.0689% | 1,446 |
| Noninterest income to average assets | 0.5086% | 3,135 |
| Noninterest expense to average assets | 3.8700% | 697 |
| Loan and lease loss provision to assets | -0.0111% | 5,769 |
| Net operating income to assets | 0.3151% | 5,278 |
| Return on assets (ROA) | 0.3151% | 5,367 |
| Pretax return on assets | 0.3151% | 5,484 |
| Return on Equity (ROE) | 2.8511% | 5,283 |
| Retained earnings to average equity (ytd only) | 2.8511% | 4,090 |
| Net charge-offs to loans | 0.1377% | 1,501 |
| Credit loss provision to net charge-offs | -14.2857% | 4,468 |
| Earnings coverage of net charge-offs (x) | 3.9286% | 3,043 |
| Efficiency ratio | 92.7152% | 464 |
| Assets per employee ($millions) | 2.4946% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7226% | 277 |
| Loan loss allowance to noncurrent loans | 40.7284% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 3.7723% | 263 |
| Noncurrent loans to loans | 6.6847% | 97 |
| Net loans and leases to total assets | 54.1303% | 4,498 |
| Net loans and leases to deposits | 62.8098% | 4,586 |
| Net loans and leases to core deposits | 69.6091% | 4,354 |
| Total domestic deposits to total assets | 86.1813% | 2,337 |
| Equity capital to assets | 11.3154% | 2,728 |
| Core capital (leverage) ratio | 11.3741% | 2,081 |
| Tier 1 risk-based capital ratio | 19.8782% | 1,484 |
| Total risk-based capital ratio | 21.1448% | 1,442 |
| Memoranda: | ||
| Average total assets | $72,351,330 | 4,972 |
| Average earning assets | $65,176,670 | 5,003 |
| Average equity | $7,997,000 | 5,025 |
| Average total loans | $40,656,000 | 4,950 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 1,420 |
| Cost of funding earning assets | 0.4906% | 2,175 |
| Net interest margin | 4.0411% | 1,502 |
| Noninterest income to average assets | 0.4810% | 3,250 |
| Noninterest expense to average assets | 3.8090% | 768 |
| Loan and lease loss provision to assets | -0.0111% | 5,890 |
| Net operating income to assets | 0.3262% | 5,222 |
| Return on assets (ROA) | 0.3262% | 5,308 |
| Pretax return on assets | 0.3262% | 5,456 |
| Return on Equity (ROE) | 2.9864% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.9864% | 4,022 |
| Net charge-offs to loans | 0.2937% | 727 |
| Credit loss provision to net charge-offs | -6.6667% | 4,081 |
| Earnings coverage of net charge-offs (x) | 1.9000% | 2,756 |
| Efficiency ratio | 92.3592% | 526 |
| Assets per employee ($millions) | 2.3905% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6951% | 315 |
| Loan loss allowance to noncurrent loans | 39.8548% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 3.9323% | 265 |
| Noncurrent loans to loans | 6.7624% | 110 |
| Net loans and leases to total assets | 55.2779% | 4,326 |
| Net loans and leases to deposits | 64.0834% | 4,435 |
| Net loans and leases to core deposits | 71.3936% | 4,115 |
| Total domestic deposits to total assets | 86.2593% | 2,563 |
| Equity capital to assets | 11.2279% | 2,703 |
| Core capital (leverage) ratio | 11.5666% | 1,929 |
| Tier 1 risk-based capital ratio | 20.4285% | 1,418 |
| Total risk-based capital ratio | 21.6966% | 1,389 |
| Memoranda: | ||
| Average total assets | $72,355,000 | 5,014 |
| Average earning assets | $65,230,000 | 5,043 |
| Average equity | $7,902,500 | 5,072 |
| Average total loans | $40,856,000 | 4,982 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 1,699 |
| Cost of funding earning assets | 0.5129% | 2,047 |
| Net interest margin | 3.9529% | 1,859 |
| Noninterest income to average assets | 0.7511% | 1,980 |
| Noninterest expense to average assets | 4.0174% | 658 |
| Loan and lease loss provision to assets | -0.0190% | 5,661 |
| Net operating income to assets | 0.3159% | 5,319 |
| Return on assets (ROA) | 0.3186% | 5,386 |
| Pretax return on assets | 0.3186% | 5,481 |
| Return on Equity (ROE) | 3.0464% | 5,287 |
| Retained earnings to average equity (ytd only) | 3.0464% | 3,888 |
| Net charge-offs to loans | 0.4225% | 669 |
| Credit loss provision to net charge-offs | -8.2353% | 4,944 |
| Earnings coverage of net charge-offs (x) | 1.2882% | 4,114 |
| Efficiency ratio | 93.1175% | 523 |
| Assets per employee ($millions) | 2.3547% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7580% | 297 |
| Loan loss allowance to noncurrent loans | 36.5696% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 4.2331% | 241 |
| Noncurrent loans to loans | 7.5417% | 86 |
| Net loans and leases to total assets | 54.5811% | 4,439 |
| Net loans and leases to deposits | 62.7601% | 4,572 |
| Net loans and leases to core deposits | 71.8055% | 4,151 |
| Total domestic deposits to total assets | 86.9678% | 2,156 |
| Equity capital to assets | 10.6211% | 3,215 |
| Core capital (leverage) ratio | 11.2138% | 2,200 |
| Tier 1 risk-based capital ratio | 20.2548% | 1,434 |
| Total risk-based capital ratio | 21.5238% | 1,407 |
| Memoranda: | ||
| Average total assets | $73,754,000 | 4,996 |
| Average earning assets | $66,482,600 | 5,031 |
| Average equity | $7,714,000 | 5,109 |
| Average total loans | $40,232,400 | 5,010 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 1,739 |
| Cost of funding earning assets | 0.5185% | 2,055 |
| Net interest margin | 3.9375% | 1,907 |
| Noninterest income to average assets | 0.7555% | 2,001 |
| Noninterest expense to average assets | 3.8984% | 746 |
| Loan and lease loss provision to assets | -0.0180% | 5,839 |
| Net operating income to assets | 0.4219% | 5,078 |
| Return on assets (ROA) | 0.4219% | 5,167 |
| Pretax return on assets | 0.4219% | 5,418 |
| Return on Equity (ROE) | 4.0496% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.0496% | 3,577 |
| Net charge-offs to loans | 0.5660% | 407 |
| Credit loss provision to net charge-offs | -5.8824% | 4,833 |
| Earnings coverage of net charge-offs (x) | 1.3177% | 3,850 |
| Efficiency ratio | 90.6119% | 662 |
| Assets per employee ($millions) | 2.3357% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8138% | 294 |
| Loan loss allowance to noncurrent loans | 38.7350% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 4.0879% | 284 |
| Noncurrent loans to loans | 7.2642% | 90 |
| Net loans and leases to total assets | 54.0451% | 4,562 |
| Net loans and leases to deposits | 62.3872% | 4,691 |
| Net loans and leases to core deposits | 70.2088% | 4,353 |
| Total domestic deposits to total assets | 86.6285% | 2,223 |
| Equity capital to assets | 10.9256% | 3,101 |
| Core capital (leverage) ratio | 10.8933% | 2,595 |
| Tier 1 risk-based capital ratio | 20.2429% | 1,498 |
| Total risk-based capital ratio | 21.5119% | 1,461 |
| Memoranda: | ||
| Average total assets | $73,943,500 | 5,051 |
| Average earning assets | $66,605,000 | 5,087 |
| Average equity | $7,704,250 | 5,173 |
| Average total loans | $40,047,500 | 5,062 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 1,864 |
| Cost of funding earning assets | 0.5229% | 2,046 |
| Net interest margin | 3.8722% | 2,065 |
| Noninterest income to average assets | 0.5426% | 3,090 |
| Noninterest expense to average assets | 3.7257% | 960 |
| Loan and lease loss provision to assets | -0.0134% | 5,967 |
| Net operating income to assets | 0.3116% | 5,408 |
| Return on assets (ROA) | 0.3116% | 5,501 |
| Pretax return on assets | 0.3116% | 5,644 |
| Return on Equity (ROE) | 3.0385% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.0385% | 4,109 |
| Net charge-offs to loans | 0.4903% | 507 |
| Credit loss provision to net charge-offs | -5.1020% | 4,677 |
| Earnings coverage of net charge-offs (x) | 1.1327% | 3,574 |
| Efficiency ratio | 92.5901% | 607 |
| Assets per employee ($millions) | 2.4383% | 6,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0405% | 263 |
| Loan loss allowance to noncurrent loans | 36.3773% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 4.8911% | 235 |
| Noncurrent loans to loans | 8.3582% | 78 |
| Net loans and leases to total assets | 51.0908% | 4,840 |
| Net loans and leases to deposits | 58.3327% | 4,969 |
| Net loans and leases to core deposits | 65.2078% | 4,714 |
| Total domestic deposits to total assets | 87.5852% | 1,851 |
| Equity capital to assets | 10.0877% | 3,934 |
| Core capital (leverage) ratio | 10.6164% | 2,830 |
| Tier 1 risk-based capital ratio | 20.2888% | 1,486 |
| Total risk-based capital ratio | 21.5610% | 1,457 |
| Memoranda: | ||
| Average total assets | $74,455,330 | 5,089 |
| Average earning assets | $66,939,000 | 5,135 |
| Average equity | $7,635,330 | 5,237 |
| Average total loans | $39,974,670 | 5,102 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 1,668 |
| Cost of funding earning assets | 0.5307% | 2,013 |
| Net interest margin | 3.8958% | 1,910 |
| Noninterest income to average assets | 0.5468% | 2,972 |
| Noninterest expense to average assets | 3.7407% | 949 |
| Loan and lease loss provision to assets | -0.0162% | 6,115 |
| Net operating income to assets | 0.3194% | 5,342 |
| Return on assets (ROA) | 0.3194% | 5,450 |
| Pretax return on assets | 0.3194% | 5,609 |
| Return on Equity (ROE) | 3.0888% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.0888% | 4,127 |
| Net charge-offs to loans | 0.7491% | 311 |
| Credit loss provision to net charge-offs | -4.0000% | 4,289 |
| Earnings coverage of net charge-offs (x) | 0.7467% | 3,016 |
| Efficiency ratio | 92.5033% | 681 |
| Assets per employee ($millions) | 2.4061% | 6,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0959% | 273 |
| Loan loss allowance to noncurrent loans | 37.1799% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 4.9432% | 251 |
| Noncurrent loans to loans | 8.3269% | 89 |
| Net loans and leases to total assets | 51.7845% | 4,679 |
| Net loans and leases to deposits | 59.4039% | 4,789 |
| Net loans and leases to core deposits | 66.1920% | 4,499 |
| Total domestic deposits to total assets | 87.1735% | 2,279 |
| Equity capital to assets | 10.4561% | 3,575 |
| Core capital (leverage) ratio | 10.8086% | 2,617 |
| Tier 1 risk-based capital ratio | 20.5384% | 1,521 |
| Total risk-based capital ratio | 21.8122% | 1,482 |
| Memoranda: | ||
| Average total assets | $73,889,500 | 5,154 |
| Average earning assets | $66,327,500 | 5,189 |
| Average equity | $7,640,500 | 5,275 |
| Average total loans | $40,047,500 | 5,138 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 1,362 |
| Cost of funding earning assets | 0.5968% | 1,784 |
| Net interest margin | 4.0786% | 1,653 |
| Noninterest income to average assets | 0.5523% | 3,162 |
| Noninterest expense to average assets | 3.9774% | 772 |
| Loan and lease loss provision to assets | -0.0406% | 6,001 |
| Net operating income to assets | 0.2827% | 5,560 |
| Return on assets (ROA) | 0.2840% | 5,628 |
| Pretax return on assets | 0.2840% | 5,731 |
| Return on Equity (ROE) | 2.9860% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.9860% | 4,114 |
| Net charge-offs to loans | 0.5645% | 716 |
| Credit loss provision to net charge-offs | -12.3506% | 5,322 |
| Earnings coverage of net charge-offs (x) | 0.7371% | 4,575 |
| Efficiency ratio | 94.2618% | 582 |
| Assets per employee ($millions) | 2.4397% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2632% | 224 |
| Loan loss allowance to noncurrent loans | 37.6866% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 5.2903% | 245 |
| Noncurrent loans to loans | 8.6589% | 93 |
| Net loans and leases to total assets | 53.1800% | 4,668 |
| Net loans and leases to deposits | 60.8952% | 4,819 |
| Net loans and leases to core deposits | 68.9244% | 4,413 |
| Total domestic deposits to total assets | 87.3304% | 2,113 |
| Equity capital to assets | 10.2226% | 3,830 |
| Core capital (leverage) ratio | 10.4895% | 2,956 |
| Tier 1 risk-based capital ratio | 20.1079% | 1,575 |
| Total risk-based capital ratio | 21.3848% | 1,542 |
| Memoranda: | ||
| Average total assets | $76,407,400 | 5,147 |
| Average earning assets | $68,699,600 | 5,156 |
| Average equity | $7,267,200 | 5,357 |
| Average total loans | $44,461,200 | 5,019 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 1,424 |
| Cost of funding earning assets | 0.5985% | 1,845 |
| Net interest margin | 4.0550% | 1,707 |
| Noninterest income to average assets | 0.5768% | 3,018 |
| Noninterest expense to average assets | 3.8214% | 943 |
| Loan and lease loss provision to assets | -0.0501% | 6,189 |
| Net operating income to assets | 0.4559% | 5,052 |
| Return on assets (ROA) | 0.4576% | 5,120 |
| Pretax return on assets | 0.4576% | 5,446 |
| Return on Equity (ROE) | 4.8980% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.8980% | 3,159 |
| Net charge-offs to loans | 0.7411% | 461 |
| Credit loss provision to net charge-offs | -11.4625% | 5,245 |
| Earnings coverage of net charge-offs (x) | 0.9289% | 4,274 |
| Efficiency ratio | 90.4003% | 820 |
| Assets per employee ($millions) | 2.5072% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8647% | 413 |
| Loan loss allowance to noncurrent loans | 37.4608% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 5.0088% | 342 |
| Noncurrent loans to loans | 7.6473% | 133 |
| Net loans and leases to total assets | 57.2803% | 4,171 |
| Net loans and leases to deposits | 64.9880% | 4,435 |
| Net loans and leases to core deposits | 79.4745% | 3,374 |
| Total domestic deposits to total assets | 88.1399% | 1,695 |
| Equity capital to assets | 9.6587% | 4,599 |
| Core capital (leverage) ratio | 10.2369% | 3,363 |
| Tier 1 risk-based capital ratio | 20.0111% | 1,672 |
| Total risk-based capital ratio | 21.2866% | 1,634 |
| Memoranda: | ||
| Average total assets | $77,211,500 | 5,182 |
| Average earning assets | $69,508,500 | 5,187 |
| Average equity | $7,213,500 | 5,415 |
| Average total loans | $45,517,500 | 5,024 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7491% | 1,179 |
| Cost of funding earning assets | 0.6074% | 1,839 |
| Net interest margin | 4.1417% | 1,401 |
| Noninterest income to average assets | 0.4725% | 3,689 |
| Noninterest expense to average assets | 3.8525% | 905 |
| Loan and lease loss provision to assets | -0.0104% | 6,231 |
| Net operating income to assets | 0.3479% | 5,412 |
| Return on assets (ROA) | 0.3505% | 5,474 |
| Pretax return on assets | 0.3505% | 5,674 |
| Return on Equity (ROE) | 3.7944% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.7944% | 3,761 |
| Net charge-offs to loans | 1.1142% | 289 |
| Credit loss provision to net charge-offs | -1.5810% | 5,046 |
| Earnings coverage of net charge-offs (x) | 0.5138% | 4,030 |
| Efficiency ratio | 91.9455% | 768 |
| Assets per employee ($millions) | 2.6161% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9033% | 429 |
| Loan loss allowance to noncurrent loans | 44.0857% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 5.0139% | 357 |
| Noncurrent loans to loans | 6.5857% | 204 |
| Net loans and leases to total assets | 57.0156% | 4,110 |
| Net loans and leases to deposits | 64.4639% | 4,448 |
| Net loans and leases to core deposits | 78.5793% | 3,371 |
| Total domestic deposits to total assets | 88.4458% | 1,663 |
| Equity capital to assets | 9.3728% | 4,871 |
| Core capital (leverage) ratio | 9.9084% | 3,732 |
| Tier 1 risk-based capital ratio | 19.4293% | 1,817 |
| Total risk-based capital ratio | 20.7058% | 1,781 |
| Memoranda: | ||
| Average total assets | $77,041,000 | 5,222 |
| Average earning assets | $69,150,000 | 5,237 |
| Average equity | $7,115,670 | 5,462 |
| Average total loans | $45,412,330 | 5,057 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7861% | 1,076 |
| Cost of funding earning assets | 0.6136% | 1,868 |
| Net interest margin | 4.1725% | 1,290 |
| Noninterest income to average assets | 0.3407% | 4,654 |
| Noninterest expense to average assets | 3.6216% | 1,271 |
| Loan and lease loss provision to assets | -0.0157% | 6,414 |
| Net operating income to assets | 0.4769% | 4,800 |
| Return on assets (ROA) | 0.4769% | 4,877 |
| Pretax return on assets | 0.4769% | 5,236 |
| Return on Equity (ROE) | 5.2033% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.2033% | 2,992 |
| Net charge-offs to loans | 0.2662% | 1,277 |
| Credit loss provision to net charge-offs | -10.0000% | 4,669 |
| Earnings coverage of net charge-offs (x) | 2.9333% | 2,765 |
| Efficiency ratio | 88.7035% | 1,156 |
| Assets per employee ($millions) | 2.6785% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3171% | 313 |
| Loan loss allowance to noncurrent loans | 41.2137% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 5.5951% | 332 |
| Noncurrent loans to loans | 8.0484% | 162 |
| Net loans and leases to total assets | 56.6579% | 4,055 |
| Net loans and leases to deposits | 63.6195% | 4,364 |
| Net loans and leases to core deposits | 77.5301% | 3,244 |
| Total domestic deposits to total assets | 89.0574% | 1,622 |
| Equity capital to assets | 8.8469% | 5,279 |
| Core capital (leverage) ratio | 10.1420% | 3,365 |
| Tier 1 risk-based capital ratio | 19.0075% | 1,968 |
| Total risk-based capital ratio | 20.2903% | 1,922 |
| Memoranda: | ||
| Average total assets | $76,320,500 | 5,295 |
| Average earning assets | $68,448,000 | 5,306 |
| Average equity | $6,995,500 | 5,521 |
| Average total loans | $45,076,000 | 5,116 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 1,439 |
| Cost of funding earning assets | 0.6924% | 1,874 |
| Net interest margin | 4.0584% | 1,775 |
| Noninterest income to average assets | 0.4322% | 4,213 |
| Noninterest expense to average assets | 3.9914% | 882 |
| Loan and lease loss provision to assets | 0.0662% | 3,804 |
| Net operating income to assets | 0.0243% | 6,173 |
| Return on assets (ROA) | 0.0392% | 6,193 |
| Pretax return on assets | 0.0392% | 6,169 |
| Return on Equity (ROE) | 0.4118% | 6,179 |
| Retained earnings to average equity (ytd only) | 0.4118% | 5,663 |
| Net charge-offs to loans | 0.3497% | 1,935 |
| Credit loss provision to net charge-offs | 31.8182% | 4,216 |
| Earnings coverage of net charge-offs (x) | 0.4351% | 4,937 |
| Efficiency ratio | 97.7829% | 550 |
| Assets per employee ($millions) | 2.4095% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7040% | 244 |
| Loan loss allowance to noncurrent loans | 40.5028% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 6.5491% | 275 |
| Noncurrent loans to loans | 9.1450% | 135 |
| Net loans and leases to total assets | 57.3660% | 4,140 |
| Net loans and leases to deposits | 65.0984% | 4,401 |
| Net loans and leases to core deposits | 71.9014% | 4,085 |
| Total domestic deposits to total assets | 88.1220% | 2,105 |
| Equity capital to assets | 9.5206% | 4,399 |
| Core capital (leverage) ratio | 10.5804% | 2,806 |
| Tier 1 risk-based capital ratio | 18.4338% | 2,106 |
| Total risk-based capital ratio | 19.7166% | 2,059 |
| Memoranda: | ||
| Average total assets | $74,034,400 | 5,376 |
| Average earning assets | $66,577,200 | 5,388 |
| Average equity | $7,042,200 | 5,556 |
| Average total loans | $44,043,000 | 5,189 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6648% | 1,698 |
| Cost of funding earning assets | 0.7090% | 1,893 |
| Net interest margin | 3.9558% | 2,094 |
| Noninterest income to average assets | 0.3079% | 5,239 |
| Noninterest expense to average assets | 3.8224% | 1,053 |
| Loan and lease loss provision to assets | 0.0859% | 3,343 |
| Net operating income to assets | -0.0340% | 6,329 |
| Return on assets (ROA) | -0.0179% | 6,360 |
| Pretax return on assets | -0.0179% | 6,336 |
| Return on Equity (ROE) | -0.1882% | 6,360 |
| Retained earnings to average equity (ytd only) | -0.1882% | 5,975 |
| Net charge-offs to loans | 0.3643% | 1,739 |
| Credit loss provision to net charge-offs | 39.6694% | 3,709 |
| Earnings coverage of net charge-offs (x) | 0.2397% | 4,786 |
| Efficiency ratio | 98.6599% | 512 |
| Assets per employee ($millions) | 2.4632% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7791% | 273 |
| Loan loss allowance to noncurrent loans | 36.4471% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 6.3941% | 346 |
| Noncurrent loans to loans | 10.3686% | 120 |
| Net loans and leases to total assets | 56.0599% | 4,315 |
| Net loans and leases to deposits | 63.5173% | 4,568 |
| Net loans and leases to core deposits | 71.2779% | 4,180 |
| Total domestic deposits to total assets | 88.2592% | 1,962 |
| Equity capital to assets | 9.0736% | 5,094 |
| Core capital (leverage) ratio | 10.1543% | 3,461 |
| Tier 1 risk-based capital ratio | 18.4929% | 2,143 |
| Total risk-based capital ratio | 19.7762% | 2,104 |
| Memoranda: | ||
| Average total assets | $74,471,750 | 5,418 |
| Average earning assets | $67,140,000 | 5,426 |
| Average equity | $7,082,250 | 5,611 |
| Average total loans | $44,288,250 | 5,231 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 1,883 |
| Cost of funding earning assets | 0.7168% | 1,944 |
| Net interest margin | 3.8723% | 2,305 |
| Noninterest income to average assets | 0.3536% | 4,858 |
| Noninterest expense to average assets | 3.7850% | 1,117 |
| Loan and lease loss provision to assets | 0.1205% | 2,815 |
| Net operating income to assets | -0.0643% | 6,372 |
| Return on assets (ROA) | -0.0402% | 6,398 |
| Pretax return on assets | -0.0402% | 6,387 |
| Return on Equity (ROE) | -0.4162% | 6,406 |
| Retained earnings to average equity (ytd only) | -0.4162% | 5,937 |
| Net charge-offs to loans | 0.5235% | 1,260 |
| Credit loss provision to net charge-offs | 38.4615% | 3,445 |
| Earnings coverage of net charge-offs (x) | 0.1795% | 4,489 |
| Efficiency ratio | 98.5356% | 543 |
| Assets per employee ($millions) | 2.5729% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7559% | 304 |
| Loan loss allowance to noncurrent loans | 34.8245% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 6.7486% | 354 |
| Noncurrent loans to loans | 10.7854% | 130 |
| Net loans and leases to total assets | 54.0137% | 4,587 |
| Net loans and leases to deposits | 60.9384% | 4,870 |
| Net loans and leases to core deposits | 67.8233% | 4,517 |
| Total domestic deposits to total assets | 88.6365% | 1,819 |
| Equity capital to assets | 8.8501% | 5,388 |
| Core capital (leverage) ratio | 10.1481% | 3,296 |
| Tier 1 risk-based capital ratio | 18.2098% | 2,239 |
| Total risk-based capital ratio | 19.4912% | 2,193 |
| Memoranda: | ||
| Average total assets | $74,663,670 | 5,451 |
| Average earning assets | $67,246,670 | 5,468 |
| Average equity | $7,208,000 | 5,630 |
| Average total loans | $44,700,000 | 5,238 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 1,735 |
| Cost of funding earning assets | 0.7388% | 1,932 |
| Net interest margin | 3.8939% | 2,141 |
| Noninterest income to average assets | 0.3978% | 4,474 |
| Noninterest expense to average assets | 3.7601% | 1,165 |
| Loan and lease loss provision to assets | 0.0926% | 3,113 |
| Net operating income to assets | 0.0490% | 6,250 |
| Return on assets (ROA) | 0.0872% | 6,260 |
| Pretax return on assets | 0.0872% | 6,276 |
| Return on Equity (ROE) | 0.8653% | 6,247 |
| Retained earnings to average equity (ytd only) | 0.8653% | 5,499 |
| Net charge-offs to loans | 0.7931% | 771 |
| Credit loss provision to net charge-offs | 18.8889% | 3,051 |
| Earnings coverage of net charge-offs (x) | 0.2889% | 3,717 |
| Efficiency ratio | 96.3687% | 711 |
| Assets per employee ($millions) | 2.4731% | 6,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6308% | 378 |
| Loan loss allowance to noncurrent loans | 33.2788% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 6.8740% | 415 |
| Noncurrent loans to loans | 10.9103% | 172 |
| Net loans and leases to total assets | 58.2050% | 3,758 |
| Net loans and leases to deposits | 66.5178% | 3,990 |
| Net loans and leases to core deposits | 74.4205% | 3,529 |
| Total domestic deposits to total assets | 87.5029% | 2,629 |
| Equity capital to assets | 9.9228% | 4,246 |
| Core capital (leverage) ratio | 10.6330% | 2,618 |
| Tier 1 risk-based capital ratio | 18.5799% | 2,163 |
| Total risk-based capital ratio | 19.8621% | 2,125 |
| Memoranda: | ||
| Average total assets | $73,402,500 | 5,527 |
| Average earning assets | $66,051,500 | 5,543 |
| Average equity | $7,396,500 | 5,641 |
| Average total loans | $45,391,000 | 5,238 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0234% | 1,494 |
| Cost of funding earning assets | 0.8081% | 2,604 |
| Net interest margin | 4.2153% | 1,618 |
| Noninterest income to average assets | 0.2909% | 5,388 |
| Noninterest expense to average assets | 3.8192% | 1,223 |
| Loan and lease loss provision to assets | 1.9994% | 103 |
| Net operating income to assets | -1.7347% | 6,904 |
| Return on assets (ROA) | -1.6744% | 6,904 |
| Pretax return on assets | -1.6744% | 6,888 |
| Return on Equity (ROE) | -15.3539% | 6,829 |
| Retained earnings to average equity (ytd only) | -15.3539% | 6,779 |
| Net charge-offs to loans | 2.3440% | 276 |
| Credit loss provision to net charge-offs | 135.2837% | 2,062 |
| Earnings coverage of net charge-offs (x) | 0.1791% | 5,393 |
| Efficiency ratio | 93.5194% | 828 |
| Assets per employee ($millions) | 2.4204% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6980% | 358 |
| Loan loss allowance to noncurrent loans | 32.6672% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 7.3018% | 415 |
| Noncurrent loans to loans | 11.3202% | 173 |
| Net loans and leases to total assets | 60.9693% | 3,423 |
| Net loans and leases to deposits | 69.9915% | 3,717 |
| Net loans and leases to core deposits | 76.5074% | 3,466 |
| Total domestic deposits to total assets | 87.1096% | 2,768 |
| Equity capital to assets | 10.2338% | 3,848 |
| Core capital (leverage) ratio | 10.6018% | 2,651 |
| Tier 1 risk-based capital ratio | 18.1223% | 2,217 |
| Total risk-based capital ratio | 19.4067% | 2,169 |
| Memoranda: | ||
| Average total assets | $76,324,800 | 5,451 |
| Average earning assets | $68,678,200 | 5,477 |
| Average equity | $8,323,600 | 5,413 |
| Average total loans | $48,122,800 | 5,173 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 1,377 |
| Cost of funding earning assets | 0.8169% | 2,805 |
| Net interest margin | 4.3052% | 1,444 |
| Noninterest income to average assets | 0.2917% | 5,438 |
| Noninterest expense to average assets | 3.5916% | 1,567 |
| Loan and lease loss provision to assets | 1.4653% | 218 |
| Net operating income to assets | -0.8906% | 6,831 |
| Return on assets (ROA) | -0.8112% | 6,837 |
| Pretax return on assets | -0.8112% | 6,810 |
| Return on Equity (ROE) | -7.3320% | 6,793 |
| Retained earnings to average equity (ytd only) | -7.3320% | 6,728 |
| Net charge-offs to loans | 2.3262% | 278 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 0.3922% | 5,135 |
| Efficiency ratio | 86.2055% | 1,360 |
| Assets per employee ($millions) | 2.3910% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8027% | 886 |
| Loan loss allowance to noncurrent loans | 46.7169% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 4.1648% | 1,148 |
| Noncurrent loans to loans | 5.9994% | 681 |
| Net loans and leases to total assets | 60.9180% | 3,585 |
| Net loans and leases to deposits | 70.6332% | 3,812 |
| Net loans and leases to core deposits | 81.4242% | 3,031 |
| Total domestic deposits to total assets | 86.2455% | 3,121 |
| Equity capital to assets | 11.1993% | 3,036 |
| Core capital (leverage) ratio | 10.8918% | 2,497 |
| Tier 1 risk-based capital ratio | 20.3293% | 1,675 |
| Total risk-based capital ratio | 21.6014% | 1,640 |
| Memoranda: | ||
| Average total assets | $77,253,000 | 5,482 |
| Average earning assets | $69,526,250 | 5,507 |
| Average equity | $8,546,750 | 5,402 |
| Average total loans | $48,660,750 | 5,212 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1987% | 1,258 |
| Cost of funding earning assets | 0.8055% | 3,144 |
| Net interest margin | 4.3932% | 1,218 |
| Noninterest income to average assets | 0.3014% | 5,393 |
| Noninterest expense to average assets | 3.6042% | 1,573 |
| Loan and lease loss provision to assets | 0.6718% | 837 |
| Net operating income to assets | -0.0179% | 6,346 |
| Return on assets (ROA) | 0.0996% | 6,312 |
| Pretax return on assets | 0.0996% | 6,329 |
| Return on Equity (ROE) | 0.9040% | 6,318 |
| Retained earnings to average equity (ytd only) | 0.9040% | 5,709 |
| Net charge-offs to loans | 1.0649% | 1,030 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 0.9734% | 4,546 |
| Efficiency ratio | 84.6431% | 1,572 |
| Assets per employee ($millions) | 2.7120% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7276% | 1,007 |
| Loan loss allowance to noncurrent loans | 115.0177% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.6507% | 3,243 |
| Noncurrent loans to loans | 2.3715% | 2,532 |
| Net loans and leases to total assets | 57.0698% | 4,316 |
| Net loans and leases to deposits | 65.6431% | 4,549 |
| Net loans and leases to core deposits | 74.0283% | 4,032 |
| Total domestic deposits to total assets | 86.9395% | 2,808 |
| Equity capital to assets | 10.6981% | 3,460 |
| Core capital (leverage) ratio | 10.7795% | 2,506 |
| Tier 1 risk-based capital ratio | 20.8534% | 1,509 |
| Total risk-based capital ratio | 22.1262% | 1,477 |
| Memoranda: | ||
| Average total assets | $78,297,000 | 5,488 |
| Average earning assets | $70,517,670 | 5,507 |
| Average equity | $8,628,670 | 5,372 |
| Average total loans | $49,396,000 | 5,218 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3517% | 1,006 |
| Cost of funding earning assets | 0.8100% | 3,392 |
| Net interest margin | 4.5417% | 938 |
| Noninterest income to average assets | 0.3231% | 5,290 |
| Noninterest expense to average assets | 3.6631% | 1,441 |
| Loan and lease loss provision to assets | 0.8493% | 548 |
| Net operating income to assets | -0.0990% | 6,540 |
| Return on assets (ROA) | 0.1355% | 6,283 |
| Pretax return on assets | 0.1355% | 6,326 |
| Return on Equity (ROE) | 1.2106% | 6,307 |
| Retained earnings to average equity (ytd only) | 1.2106% | 5,608 |
| Net charge-offs to loans | 1.2981% | 786 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 0.8834% | 3,886 |
| Efficiency ratio | 82.9988% | 1,804 |
| Assets per employee ($millions) | 2.6767% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6445% | 1,182 |
| Loan loss allowance to noncurrent loans | 110.3390% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.6886% | 3,326 |
| Noncurrent loans to loans | 2.3967% | 2,709 |
| Net loans and leases to total assets | 59.6909% | 3,733 |
| Net loans and leases to deposits | 68.6070% | 3,946 |
| Net loans and leases to core deposits | 77.3999% | 3,412 |
| Total domestic deposits to total assets | 87.0041% | 2,955 |
| Equity capital to assets | 10.6461% | 3,327 |
| Core capital (leverage) ratio | 11.5443% | 1,870 |
| Tier 1 risk-based capital ratio | 20.2599% | 1,646 |
| Total risk-based capital ratio | 21.5301% | 1,615 |
| Memoranda: | ||
| Average total assets | $76,765,500 | 5,572 |
| Average earning assets | $69,136,500 | 5,596 |
| Average equity | $8,591,000 | 5,406 |
| Average total loans | $50,227,000 | 5,220 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4884% | 1,193 |
| Cost of funding earning assets | 0.9618% | 3,628 |
| Net interest margin | 4.5265% | 1,079 |
| Noninterest income to average assets | 0.2524% | 5,721 |
| Noninterest expense to average assets | 3.8114% | 1,325 |
| Loan and lease loss provision to assets | 1.0495% | 882 |
| Net operating income to assets | -0.5646% | 6,531 |
| Return on assets (ROA) | -0.4477% | 6,502 |
| Pretax return on assets | -0.4477% | 6,449 |
| Return on Equity (ROE) | -4.0300% | 6,473 |
| Retained earnings to average equity (ytd only) | -4.0300% | 6,374 |
| Net charge-offs to loans | 0.6951% | 2,414 |
| Credit loss provision to net charge-offs | 231.8681% | 1,047 |
| Earnings coverage of net charge-offs (x) | 1.0714% | 4,986 |
| Efficiency ratio | 88.7120% | 1,294 |
| Assets per employee ($millions) | 2.4410% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5420% | 1,258 |
| Loan loss allowance to noncurrent loans | 81.0205% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.3447% | 2,586 |
| Noncurrent loans to loans | 3.1375% | 2,061 |
| Net loans and leases to total assets | 68.1656% | 2,365 |
| Net loans and leases to deposits | 79.6734% | 2,584 |
| Net loans and leases to core deposits | 91.6631% | 1,925 |
| Total domestic deposits to total assets | 85.5563% | 3,565 |
| Equity capital to assets | 11.7890% | 2,274 |
| Core capital (leverage) ratio | 11.5147% | 1,880 |
| Tier 1 risk-based capital ratio | 19.3966% | 1,797 |
| Total risk-based capital ratio | 20.6663% | 1,758 |
| Memoranda: | ||
| Average total assets | $80,416,200 | 5,449 |
| Average earning assets | $71,843,000 | 5,475 |
| Average equity | $8,933,000 | 5,298 |
| Average total loans | $52,367,400 | 5,176 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4139% | 1,473 |
| Cost of funding earning assets | 0.9812% | 3,811 |
| Net interest margin | 4.4327% | 1,311 |
| Noninterest income to average assets | 0.5417% | 3,572 |
| Noninterest expense to average assets | 3.6457% | 1,614 |
| Loan and lease loss provision to assets | 1.1855% | 664 |
| Net operating income to assets | -0.3260% | 6,526 |
| Return on assets (ROA) | -0.1752% | 6,438 |
| Pretax return on assets | -0.1752% | 6,390 |
| Return on Equity (ROE) | -1.5986% | 6,439 |
| Retained earnings to average equity (ytd only) | -1.5986% | 6,244 |
| Net charge-offs to loans | 0.6381% | 2,333 |
| Credit loss provision to net charge-offs | 290.0794% | 990 |
| Earnings coverage of net charge-offs (x) | 2.1032% | 4,094 |
| Efficiency ratio | 80.9215% | 2,118 |
| Assets per employee ($millions) | 2.7257% | 6,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5538% | 1,321 |
| Loan loss allowance to noncurrent loans | 98.8610% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.7303% | 3,502 |
| Noncurrent loans to loans | 2.5832% | 2,683 |
| Net loans and leases to total assets | 58.7969% | 4,357 |
| Net loans and leases to deposits | 67.4244% | 4,700 |
| Net loans and leases to core deposits | 82.8859% | 3,204 |
| Total domestic deposits to total assets | 87.2041% | 2,528 |
| Equity capital to assets | 10.7508% | 3,423 |
| Core capital (leverage) ratio | 10.8986% | 2,475 |
| Tier 1 risk-based capital ratio | 19.0353% | 1,925 |
| Total risk-based capital ratio | 20.3033% | 1,890 |
| Memoranda: | ||
| Average total assets | $82,213,000 | 5,429 |
| Average earning assets | $73,513,000 | 5,462 |
| Average equity | $9,008,000 | 5,305 |
| Average total loans | $52,654,500 | 5,206 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5112% | 1,275 |
| Cost of funding earning assets | 1.0344% | 3,712 |
| Net interest margin | 4.4768% | 1,186 |
| Noninterest income to average assets | 0.6040% | 3,110 |
| Noninterest expense to average assets | 3.7568% | 1,432 |
| Loan and lease loss provision to assets | 1.3898% | 526 |
| Net operating income to assets | -0.5574% | 6,735 |
| Return on assets (ROA) | -0.5206% | 6,735 |
| Pretax return on assets | -0.5206% | 6,673 |
| Return on Equity (ROE) | -4.7202% | 6,693 |
| Retained earnings to average equity (ytd only) | -4.7202% | 6,540 |
| Net charge-offs to loans | 0.3270% | 3,252 |
| Credit loss provision to net charge-offs | 650.5747% | 484 |
| Earnings coverage of net charge-offs (x) | 3.8966% | 3,020 |
| Efficiency ratio | 81.8620% | 2,119 |
| Assets per employee ($millions) | 2.7508% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4721% | 1,486 |
| Loan loss allowance to noncurrent loans | 104.3269% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.4635% | 4,021 |
| Noncurrent loans to loans | 2.3696% | 3,020 |
| Net loans and leases to total assets | 60.2345% | 4,231 |
| Net loans and leases to deposits | 68.9167% | 4,575 |
| Net loans and leases to core deposits | 81.8018% | 3,537 |
| Total domestic deposits to total assets | 87.4019% | 2,519 |
| Equity capital to assets | 10.5916% | 3,387 |
| Core capital (leverage) ratio | 10.8381% | 2,382 |
| Tier 1 risk-based capital ratio | 18.2720% | 2,082 |
| Total risk-based capital ratio | 19.5393% | 2,036 |
| Memoranda: | ||
| Average total assets | $81,452,000 | 5,504 |
| Average earning assets | $72,507,330 | 5,539 |
| Average equity | $8,982,670 | 5,333 |
| Average total loans | $53,211,670 | 5,238 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 1,015 |
| Cost of funding earning assets | 1.1112% | 3,444 |
| Net interest margin | 4.5131% | 1,042 |
| Noninterest income to average assets | 0.8097% | 1,993 |
| Noninterest expense to average assets | 3.9929% | 1,043 |
| Loan and lease loss provision to assets | 0.0955% | 4,815 |
| Net operating income to assets | 0.7040% | 3,504 |
| Return on assets (ROA) | 0.7040% | 3,571 |
| Pretax return on assets | 0.7040% | 4,299 |
| Return on Equity (ROE) | 6.2514% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.2514% | 2,496 |
| Net charge-offs to loans | 0.1421% | 3,649 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 8.3684% | 1,830 |
| Efficiency ratio | 83.3158% | 2,042 |
| Assets per employee ($millions) | 2.6012% | 6,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 3,968 |
| Loan loss allowance to noncurrent loans | 81.7097% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.3704% | 4,235 |
| Noncurrent loans to loans | 1.8957% | 3,706 |
| Net loans and leases to total assets | 64.7924% | 3,287 |
| Net loans and leases to deposits | 74.8821% | 3,616 |
| Net loans and leases to core deposits | 92.8818% | 2,025 |
| Total domestic deposits to total assets | 86.5259% | 3,221 |
| Equity capital to assets | 11.3944% | 2,348 |
| Core capital (leverage) ratio | 11.7964% | 1,679 |
| Tier 1 risk-based capital ratio | 19.0268% | 1,791 |
| Total risk-based capital ratio | 20.2690% | 1,760 |
| Memoranda: | ||
| Average total assets | $79,540,500 | 5,601 |
| Average earning assets | $70,195,500 | 5,659 |
| Average equity | $8,958,000 | 5,345 |
| Average total loans | $53,484,000 | 5,274 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1869% | 582 |
| Cost of funding earning assets | 1.5003% | 2,630 |
| Net interest margin | 4.6865% | 839 |
| Noninterest income to average assets | 0.5446% | 3,852 |
| Noninterest expense to average assets | 4.1476% | 963 |
| Loan and lease loss provision to assets | 0.5308% | 3,029 |
| Net operating income to assets | -0.0138% | 5,865 |
| Return on assets (ROA) | 0.0025% | 5,956 |
| Pretax return on assets | 0.0025% | 5,893 |
| Return on Equity (ROE) | 0.0222% | 5,958 |
| Retained earnings to average equity (ytd only) | -4.4250% | 6,238 |
| Net charge-offs to loans | 0.8464% | 2,519 |
| Credit loss provision to net charge-offs | 90.1919% | 5,125 |
| Earnings coverage of net charge-offs (x) | 0.8785% | 5,248 |
| Efficiency ratio | 88.9158% | 1,398 |
| Assets per employee ($millions) | 2.5305% | 6,964 |
| Cash dividends to net income (ytd only)* | 20,000.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,878 |
| Loan loss allowance to noncurrent loans | 81.6286% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.5221% | 4,031 |
| Noncurrent loans to loans | 1.8683% | 3,727 |
| Net loans and leases to total assets | 67.6627% | 3,064 |
| Net loans and leases to deposits | 78.5340% | 3,421 |
| Net loans and leases to core deposits | 100.9299% | 1,541 |
| Total domestic deposits to total assets | 86.1572% | 3,274 |
| Equity capital to assets | 11.1263% | 2,572 |
| Core capital (leverage) ratio | 11.9051% | 1,616 |
| Tier 1 risk-based capital ratio | 18.6613% | 1,796 |
| Total risk-based capital ratio | 19.9161% | 1,765 |
| Memoranda: | ||
| Average total assets | $79,684,400 | 5,603 |
| Average earning assets | $70,051,600 | 5,667 |
| Average equity | $8,994,400 | 5,431 |
| Average total loans | $55,414,200 | 5,260 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2944% | 516 |
| Cost of funding earning assets | 1.5565% | 2,629 |
| Net interest margin | 4.7379% | 768 |
| Noninterest income to average assets | 0.5550% | 3,754 |
| Noninterest expense to average assets | 4.1635% | 868 |
| Loan and lease loss provision to assets | 0.3317% | 3,948 |
| Net operating income to assets | 0.2200% | 5,446 |
| Return on assets (ROA) | 0.2417% | 5,542 |
| Pretax return on assets | 0.2417% | 5,639 |
| Return on Equity (ROE) | 2.1336% | 5,565 |
| Retained earnings to average equity (ytd only) | -3.7522% | 6,431 |
| Net charge-offs to loans | 0.8603% | 2,293 |
| Credit loss provision to net charge-offs | 55.2778% | 5,795 |
| Earnings coverage of net charge-offs (x) | 0.9194% | 5,140 |
| Efficiency ratio | 88.2998% | 1,434 |
| Assets per employee ($millions) | 2.3777% | 7,222 |
| Cash dividends to net income (ytd only)* | 275.8599% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 4,989 |
| Loan loss allowance to noncurrent loans | 71.0553% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 4,466 |
| Noncurrent loans to loans | 1.8237% | 3,907 |
| Net loans and leases to total assets | 70.7787% | 2,540 |
| Net loans and leases to deposits | 83.0652% | 2,899 |
| Net loans and leases to core deposits | 105.2023% | 1,385 |
| Total domestic deposits to total assets | 85.2086% | 3,511 |
| Equity capital to assets | 11.9169% | 2,212 |
| Core capital (leverage) ratio | 12.3197% | 1,493 |
| Tier 1 risk-based capital ratio | 18.5980% | 1,845 |
| Total risk-based capital ratio | 19.8494% | 1,812 |
| Memoranda: | ||
| Average total assets | $79,994,250 | 5,663 |
| Average earning assets | $70,241,000 | 5,728 |
| Average equity | $9,061,000 | 5,473 |
| Average total loans | $55,792,750 | 5,313 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3285% | 486 |
| Cost of funding earning assets | 1.5976% | 2,672 |
| Net interest margin | 4.7309% | 766 |
| Noninterest income to average assets | 0.5043% | 4,080 |
| Noninterest expense to average assets | 3.9706% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6716% | 3,523 |
| Return on assets (ROA) | 0.7036% | 3,546 |
| Pretax return on assets | 0.7036% | 4,225 |
| Return on Equity (ROE) | 6.3142% | 3,641 |
| Retained earnings to average equity (ytd only) | -2.5168% | 6,231 |
| Net charge-offs to loans | 0.5729% | 2,820 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.6957% | 4,240 |
| Efficiency ratio | 85.5326% | 1,770 |
| Assets per employee ($millions) | 2.3439% | 7,304 |
| Cash dividends to net income (ytd only)* | 139.8601% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,948 |
| Loan loss allowance to noncurrent loans | 57.0048% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 2.0692% | 3,422 |
| Noncurrent loans to loans | 2.2716% | 3,407 |
| Net loans and leases to total assets | 67.7195% | 3,451 |
| Net loans and leases to deposits | 81.2670% | 3,392 |
| Net loans and leases to core deposits | 104.0268% | 1,640 |
| Total domestic deposits to total assets | 83.3296% | 4,430 |
| Equity capital to assets | 11.4892% | 2,454 |
| Core capital (leverage) ratio | 11.9084% | 1,700 |
| Tier 1 risk-based capital ratio | 19.0411% | 1,712 |
| Total risk-based capital ratio | 20.2934% | 1,670 |
| Memoranda: | ||
| Average total assets | $81,297,330 | 5,662 |
| Average earning assets | $71,107,000 | 5,736 |
| Average equity | $9,059,000 | 5,487 |
| Average total loans | $56,204,000 | 5,347 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2340% | 596 |
| Cost of funding earning assets | 1.6452% | 2,677 |
| Net interest margin | 4.5888% | 973 |
| Noninterest income to average assets | 0.6090% | 3,218 |
| Noninterest expense to average assets | 3.9951% | 1,041 |
| Loan and lease loss provision to assets | 0.0049% | 6,533 |
| Net operating income to assets | 0.6041% | 3,876 |
| Return on assets (ROA) | 0.6041% | 4,024 |
| Pretax return on assets | 0.6041% | 4,588 |
| Return on Equity (ROE) | 5.5047% | 4,098 |
| Retained earnings to average equity (ytd only) | -12.2524% | 7,082 |
| Net charge-offs to loans | 0.4634% | 2,656 |
| Credit loss provision to net charge-offs | 1.5152% | 5,113 |
| Earnings coverage of net charge-offs (x) | 1.8939% | 3,594 |
| Efficiency ratio | 86.7725% | 1,711 |
| Assets per employee ($millions) | 2.4142% | 7,317 |
| Cash dividends to net income (ytd only)* | 322.5806% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 4,301 |
| Loan loss allowance to noncurrent loans | 83.9958% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.2439% | 4,694 |
| Noncurrent loans to loans | 1.6958% | 4,200 |
| Net loans and leases to total assets | 67.6998% | 3,467 |
| Net loans and leases to deposits | 84.0302% | 2,938 |
| Net loans and leases to core deposits | 108.2350% | 1,401 |
| Total domestic deposits to total assets | 80.5660% | 5,599 |
| Equity capital to assets | 10.8317% | 2,924 |
| Core capital (leverage) ratio | 11.4750% | 1,928 |
| Tier 1 risk-based capital ratio | 17.6635% | 2,034 |
| Total risk-based capital ratio | 18.9163% | 2,008 |
| Memoranda: | ||
| Average total assets | $82,100,000 | 5,701 |
| Average earning assets | $71,479,000 | 5,800 |
| Average equity | $9,010,500 | 5,544 |
| Average total loans | $56,968,500 | 5,384 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7113% | 453 |
| Cost of funding earning assets | 2.0614% | 2,673 |
| Net interest margin | 4.6499% | 900 |
| Noninterest income to average assets | 0.8881% | 1,992 |
| Noninterest expense to average assets | 4.1196% | 1,196 |
| Loan and lease loss provision to assets | 0.4966% | 3,892 |
| Net operating income to assets | 0.3677% | 4,258 |
| Return on assets (ROA) | 0.5384% | 3,662 |
| Pretax return on assets | 0.5384% | 4,084 |
| Return on Equity (ROE) | 4.8596% | 3,733 |
| Retained earnings to average equity (ytd only) | -0.5280% | 5,117 |
| Net charge-offs to loans | 0.1716% | 5,574 |
| Credit loss provision to net charge-offs | 424.4898% | 740 |
| Earnings coverage of net charge-offs (x) | 7.3878% | 2,160 |
| Efficiency ratio | 82.6587% | 2,529 |
| Assets per employee ($millions) | 2.3462% | 7,412 |
| Cash dividends to net income (ytd only)* | 110.8647% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 3,680 |
| Loan loss allowance to noncurrent loans | 80.2960% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.3164% | 4,459 |
| Noncurrent loans to loans | 1.8779% | 3,832 |
| Net loans and leases to total assets | 69.0430% | 3,479 |
| Net loans and leases to deposits | 86.1484% | 2,888 |
| Net loans and leases to core deposits | 144.6105% | 652 |
| Total domestic deposits to total assets | 80.1442% | 5,631 |
| Equity capital to assets | 11.1183% | 2,611 |
| Core capital (leverage) ratio | 12.0518% | 1,642 |
| Tier 1 risk-based capital ratio | 18.5041% | 1,751 |
| Total risk-based capital ratio | 19.7602% | 1,713 |
| Memoranda: | ||
| Average total assets | $83,770,000 | 5,604 |
| Average earning assets | $73,785,800 | 5,691 |
| Average equity | $9,280,600 | 5,516 |
| Average total loans | $57,100,200 | 5,379 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7867% | 431 |
| Cost of funding earning assets | 2.1278% | 2,757 |
| Net interest margin | 4.6590% | 892 |
| Noninterest income to average assets | 0.5163% | 4,353 |
| Noninterest expense to average assets | 3.9231% | 1,396 |
| Loan and lease loss provision to assets | 0.1552% | 5,796 |
| Net operating income to assets | 0.5718% | 3,724 |
| Return on assets (ROA) | 0.7982% | 2,886 |
| Pretax return on assets | 0.7982% | 3,548 |
| Return on Equity (ROE) | 7.2114% | 2,980 |
| Retained earnings to average equity (ytd only) | 0.0572% | 5,179 |
| Net charge-offs to loans | 0.1287% | 5,411 |
| Credit loss provision to net charge-offs | 178.1818% | 2,585 |
| Earnings coverage of net charge-offs (x) | 8.3456% | 2,262 |
| Efficiency ratio | 84.3665% | 2,255 |
| Assets per employee ($millions) | 2.3153% | 7,485 |
| Cash dividends to net income (ytd only)* | 99.2068% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 5,985 |
| Loan loss allowance to noncurrent loans | 89.9848% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 5,401 |
| Noncurrent loans to loans | 1.1724% | 4,986 |
| Net loans and leases to total assets | 68.6337% | 3,816 |
| Net loans and leases to deposits | 86.1426% | 3,288 |
| Net loans and leases to core deposits | 146.2477% | 678 |
| Total domestic deposits to total assets | 79.6745% | 5,567 |
| Equity capital to assets | 11.5837% | 2,518 |
| Core capital (leverage) ratio | 11.0692% | 2,358 |
| Tier 1 risk-based capital ratio | 17.9773% | 1,995 |
| Total risk-based capital ratio | 19.1423% | 1,970 |
| Memoranda: | ||
| Average total assets | $84,183,250 | 5,615 |
| Average earning assets | $74,692,750 | 5,685 |
| Average equity | $9,318,250 | 5,551 |
| Average total loans | $56,984,250 | 5,433 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8382% | 420 |
| Cost of funding earning assets | 2.1636% | 2,968 |
| Net interest margin | 4.6746% | 839 |
| Noninterest income to average assets | 0.5186% | 4,282 |
| Noninterest expense to average assets | 3.7990% | 1,659 |
| Loan and lease loss provision to assets | 0.1267% | 5,841 |
| Net operating income to assets | 0.7603% | 3,008 |
| Return on assets (ROA) | 0.9996% | 2,200 |
| Pretax return on assets | 0.9996% | 3,015 |
| Return on Equity (ROE) | 9.1659% | 2,302 |
| Retained earnings to average equity (ytd only) | -1.5922% | 5,646 |
| Net charge-offs to loans | 0.1258% | 4,907 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,986 |
| Efficiency ratio | 81.0716% | 2,872 |
| Assets per employee ($millions) | 2.3989% | 7,428 |
| Cash dividends to net income (ytd only)* | 117.3709% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 6,222 |
| Loan loss allowance to noncurrent loans | 89.1680% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7896% | 5,419 |
| Noncurrent loans to loans | 1.1241% | 4,972 |
| Net loans and leases to total assets | 66.8163% | 4,394 |
| Net loans and leases to deposits | 82.8891% | 4,065 |
| Net loans and leases to core deposits | 137.2669% | 1,146 |
| Total domestic deposits to total assets | 80.6093% | 5,230 |
| Equity capital to assets | 10.9763% | 2,942 |
| Core capital (leverage) ratio | 11.4788% | 2,098 |
| Tier 1 risk-based capital ratio | 18.3334% | 1,922 |
| Total risk-based capital ratio | 19.4106% | 1,920 |
| Memoranda: | ||
| Average total assets | $85,232,330 | 5,611 |
| Average earning assets | $75,985,330 | 5,671 |
| Average equity | $9,295,330 | 5,583 |
| Average total loans | $57,242,000 | 5,459 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9028% | 404 |
| Cost of funding earning assets | 2.2180% | 3,070 |
| Net interest margin | 4.6848% | 793 |
| Noninterest income to average assets | 0.5124% | 4,204 |
| Noninterest expense to average assets | 3.7174% | 1,617 |
| Loan and lease loss provision to assets | 0.1211% | 5,413 |
| Net operating income to assets | 0.8851% | 2,762 |
| Return on assets (ROA) | 1.3602% | 1,323 |
| Pretax return on assets | 1.3602% | 2,085 |
| Return on Equity (ROE) | 12.5121% | 1,511 |
| Retained earnings to average equity (ytd only) | -8.9127% | 7,006 |
| Net charge-offs to loans | 0.0556% | 4,691 |
| Credit loss provision to net charge-offs | 325.0000% | 1,525 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,152 |
| Efficiency ratio | 78.6982% | 3,047 |
| Assets per employee ($millions) | 2.4028% | 7,454 |
| Cash dividends to net income (ytd only)* | 171.2329% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 6,208 |
| Loan loss allowance to noncurrent loans | 265.4206% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 6,747 |
| Noncurrent loans to loans | 0.3757% | 6,476 |
| Net loans and leases to total assets | 67.0587% | 4,330 |
| Net loans and leases to deposits | 83.0058% | 4,131 |
| Net loans and leases to core deposits | 139.0615% | 1,149 |
| Total domestic deposits to total assets | 80.7879% | 5,047 |
| Equity capital to assets | 10.9420% | 3,019 |
| Core capital (leverage) ratio | 11.3669% | 2,235 |
| Tier 1 risk-based capital ratio | 17.8868% | 2,087 |
| Total risk-based capital ratio | 18.9524% | 2,071 |
| Memoranda: | ||
| Average total assets | $85,867,000 | 5,610 |
| Average earning assets | $77,186,500 | 5,646 |
| Average equity | $9,335,000 | 5,587 |
| Average total loans | $57,528,500 | 5,476 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5570% | 370 |
| Cost of funding earning assets | 2.6844% | 3,233 |
| Net interest margin | 4.8726% | 665 |
| Noninterest income to average assets | 0.6412% | 3,542 |
| Noninterest expense to average assets | 4.2237% | 1,125 |
| Loan and lease loss provision to assets | 0.0621% | 6,625 |
| Net operating income to assets | 0.6710% | 4,021 |
| Return on assets (ROA) | 0.6710% | 3,863 |
| Pretax return on assets | 0.6710% | 4,480 |
| Return on Equity (ROE) | 5.6337% | 4,101 |
| Retained earnings to average equity (ytd only) | -3.1045% | 6,135 |
| Net charge-offs to loans | 0.0884% | 5,479 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 11.8125% | 2,326 |
| Efficiency ratio | 85.2113% | 1,929 |
| Assets per employee ($millions) | 2.5775% | 7,052 |
| Cash dividends to net income (ytd only)* | 155.1060% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,413 |
| Loan loss allowance to noncurrent loans | 172.9560% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 6,147 |
| Noncurrent loans to loans | 0.5474% | 5,722 |
| Net loans and leases to total assets | 65.6625% | 4,919 |
| Net loans and leases to deposits | 80.8998% | 4,889 |
| Net loans and leases to core deposits | 128.2918% | 1,983 |
| Total domestic deposits to total assets | 81.1653% | 4,575 |
| Equity capital to assets | 10.8038% | 3,201 |
| Core capital (leverage) ratio | 12.7338% | 1,648 |
| Tier 1 risk-based capital ratio | 17.5770% | 2,156 |
| Total risk-based capital ratio | 18.5694% | 2,178 |
| Memoranda: | ||
| Average total assets | $77,350,000 | 5,791 |
| Average earning assets | $68,506,200 | 5,869 |
| Average equity | $9,212,400 | 5,668 |
| Average total loans | $54,281,400 | 5,514 |