Home > First Naturalstate Bank > Performance and Condition Ratios
First Naturalstate Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0263% | 3,059 |
| Cost of funding earning assets | 2.0330% | 2,146 |
| Net interest margin | 2.9933% | 3,159 |
| Noninterest income to average assets | 0.5700% | 1,625 |
| Noninterest expense to average assets | 2.5137% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.6297% | 3,162 |
| Return on assets (ROA) | 0.3979% | 3,708 |
| Pretax return on assets | 0.5974% | 3,460 |
| Return on Equity (ROE) | 2.8700% | 3,881 |
| Retained earnings to average equity (ytd only) | 0.8737% | 3,714 |
| Net charge-offs to loans | 0.0329% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 37.0870% | 1,401 |
| Efficiency ratio | 73.8344% | 1,574 |
| Assets per employee ($millions) | 4.7615% | 3,793 |
| Cash dividends to net income (ytd only)* | 69.5538% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 417 |
| Loan loss allowance to noncurrent loans | 19,842.8571% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 3,709 |
| Noncurrent loans to loans | 0.0097% | 3,685 |
| Net loans and leases to total assets | 73.9400% | 1,410 |
| Net loans and leases to deposits | 86.1116% | 1,585 |
| Net loans and leases to core deposits | 93.7855% | 1,856 |
| Total domestic deposits to total assets | 85.8700% | 2,259 |
| Equity capital to assets | 14.0251% | 674 |
| Core capital (leverage) ratio | 14.8278% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0527% | 331 |
| Memoranda: | ||
| Average total assets | $95,754,600 | 3,812 |
| Average earning assets | $90,702,400 | 3,779 |
| Average equity | $13,276,400 | 3,487 |
| Average total loans | $69,919,800 | 3,571 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5578% | 1,975 |
| Cost of funding earning assets | 1.9776% | 2,271 |
| Net interest margin | 3.5802% | 1,875 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.3778% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9024% | 2,377 |
| Return on assets (ROA) | 0.5937% | 3,272 |
| Pretax return on assets | 0.8023% | 3,032 |
| Return on Equity (ROE) | 4.2900% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.2946% | 2,733 |
| Net charge-offs to loans | 0.0288% | 1,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 57.2000% | 1,126 |
| Efficiency ratio | 66.5888% | 2,416 |
| Assets per employee ($millions) | 5.0878% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 477 |
| Loan loss allowance to noncurrent loans | 445.2229% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 1,924 |
| Noncurrent loans to loans | 0.4235% | 2,020 |
| Net loans and leases to total assets | 75.2600% | 1,222 |
| Net loans and leases to deposits | 87.8569% | 1,445 |
| Net loans and leases to core deposits | 95.4962% | 1,788 |
| Total domestic deposits to total assets | 85.6600% | 2,052 |
| Equity capital to assets | 14.2072% | 697 |
| Core capital (leverage) ratio | 16.5685% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4303% | 399 |
| Memoranda: | ||
| Average total assets | $95,886,000 | 3,825 |
| Average earning assets | $90,681,000 | 3,796 |
| Average equity | $13,256,500 | 3,500 |
| Average total loans | $69,448,500 | 3,585 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4816% | 2,011 |
| Cost of funding earning assets | 1.8967% | 2,371 |
| Net interest margin | 3.5849% | 1,811 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 2.3885% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9244% | 2,236 |
| Return on assets (ROA) | 0.9244% | 2,237 |
| Pretax return on assets | 1.1566% | 2,042 |
| Return on Equity (ROE) | 6.7500% | 3,063 |
| Retained earnings to average equity (ytd only) | 6.7495% | 1,735 |
| Net charge-offs to loans | 0.0442% | 1,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 36.8667% | 1,293 |
| Efficiency ratio | 67.3746% | 2,396 |
| Assets per employee ($millions) | 4.7600% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 414 |
| Loan loss allowance to noncurrent loans | 327.9343% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 1,458 |
| Noncurrent loans to loans | 0.6004% | 1,527 |
| Net loans and leases to total assets | 73.0700% | 1,524 |
| Net loans and leases to deposits | 85.0989% | 1,741 |
| Net loans and leases to core deposits | 92.7998% | 1,941 |
| Total domestic deposits to total assets | 85.8600% | 2,023 |
| Equity capital to assets | 13.9613% | 684 |
| Core capital (leverage) ratio | 16.6100% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0489% | 378 |
| Memoranda: | ||
| Average total assets | $95,625,000 | 3,841 |
| Average earning assets | $90,156,667 | 3,814 |
| Average equity | $13,097,333 | 3,495 |
| Average total loans | $67,882,333 | 3,620 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 2,770 |
| Cost of funding earning assets | 1.8075% | 2,489 |
| Net interest margin | 3.1941% | 2,581 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 2.1745% | 3,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0893% | 1,693 |
| Return on assets (ROA) | 1.0893% | 1,703 |
| Pretax return on assets | 1.3690% | 1,501 |
| Return on Equity (ROE) | 8.0300% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.0305% | 1,543 |
| Net charge-offs to loans | 0.0241% | 1,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 752 |
| Efficiency ratio | 61.3663% | 3,107 |
| Assets per employee ($millions) | 5.1077% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1310% | 314 |
| Loan loss allowance to noncurrent loans | 329.9766% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 1,420 |
| Noncurrent loans to loans | 0.6458% | 1,369 |
| Net loans and leases to total assets | 66.6800% | 2,162 |
| Net loans and leases to deposits | 78.4119% | 2,199 |
| Net loans and leases to core deposits | 84.3514% | 2,418 |
| Total domestic deposits to total assets | 85.0400% | 2,390 |
| Equity capital to assets | 13.4833% | 760 |
| Core capital (leverage) ratio | 16.0785% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3119% | 590 |
| Memoranda: | ||
| Average total assets | $95,838,000 | 3,859 |
| Average earning assets | $90,292,000 | 3,830 |
| Average equity | $13,000,500 | 3,512 |
| Average total loans | $66,345,500 | 3,649 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 1,844 |
| Cost of funding earning assets | 1.3221% | 2,451 |
| Net interest margin | 3.7840% | 1,591 |
| Noninterest income to average assets | 7.7500% | 97 |
| Noninterest expense to average assets | 3.6049% | 507 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 5.7251% | 66 |
| Return on assets (ROA) | 5.7251% | 67 |
| Pretax return on assets | 7.3911% | 61 |
| Return on Equity (ROE) | 51.5400% | 49 |
| Retained earnings to average equity (ytd only) | 48.8648% | 17 |
| Net charge-offs to loans | 0.0275% | 1,761 |
| Credit loss provision to net charge-offs | 1,666.6667% | 273 |
| Earnings coverage of net charge-offs (x) | 383.6667% | 363 |
| Efficiency ratio | 31.8128% | 4,487 |
| Assets per employee ($millions) | 4.9805% | 3,653 |
| Cash dividends to net income (ytd only)* | 5.1984% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1225% | 314 |
| Loan loss allowance to noncurrent loans | 1,570.0000% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 2,883 |
| Noncurrent loans to loans | 0.1352% | 2,829 |
| Net loans and leases to total assets | 68.8600% | 1,935 |
| Net loans and leases to deposits | 81.3631% | 2,001 |
| Net loans and leases to core deposits | 87.7265% | 2,189 |
| Total domestic deposits to total assets | 84.6300% | 2,424 |
| Equity capital to assets | 13.6489% | 741 |
| Core capital (leverage) ratio | 16.1028% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7315% | 435 |
| Memoranda: | ||
| Average total assets | $89,377,600 | 3,921 |
| Average earning assets | $84,486,400 | 3,888 |
| Average equity | $9,927,400 | 3,730 |
| Average total loans | $65,426,800 | 3,623 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 1,779 |
| Cost of funding earning assets | 1.3202% | 2,094 |
| Net interest margin | 3.7071% | 1,762 |
| Noninterest income to average assets | 9.7900% | 92 |
| Noninterest expense to average assets | 3.2294% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 7.5670% | 52 |
| Return on assets (ROA) | 7.5670% | 52 |
| Pretax return on assets | 10.0818% | 49 |
| Return on Equity (ROE) | 72.5900% | 35 |
| Retained earnings to average equity (ytd only) | 72.5888% | 17 |
| Net charge-offs to loans | 0.0020% | 2,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 6,659.0000% | 8 |
| Efficiency ratio | 24.2607% | 4,543 |
| Assets per employee ($millions) | 4.9103% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 773 |
| Loan loss allowance to noncurrent loans | 638.4181% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 2,326 |
| Noncurrent loans to loans | 0.2600% | 2,305 |
| Net loans and leases to total assets | 71.7600% | 1,606 |
| Net loans and leases to deposits | 84.5853% | 1,693 |
| Net loans and leases to core deposits | 90.0234% | 1,927 |
| Total domestic deposits to total assets | 84.8300% | 2,548 |
| Equity capital to assets | 13.4005% | 738 |
| Core capital (leverage) ratio | 16.9371% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2476% | 534 |
| Memoranda: | ||
| Average total assets | $88,064,500 | 3,946 |
| Average earning assets | $83,620,250 | 3,906 |
| Average equity | $9,180,250 | 3,805 |
| Average total loans | $65,140,750 | 3,632 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8533% | 1,876 |
| Cost of funding earning assets | 1.0864% | 2,333 |
| Net interest margin | 3.7669% | 1,690 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.8498% | 1,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8874% | 2,803 |
| Return on assets (ROA) | 0.8874% | 2,792 |
| Pretax return on assets | 1.1979% | 2,364 |
| Return on Equity (ROE) | 9.4900% | 2,836 |
| Retained earnings to average equity (ytd only) | 9.4884% | 1,548 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.4064% | 1,732 |
| Assets per employee ($millions) | 4.8441% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 809 |
| Loan loss allowance to noncurrent loans | 577.0408% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,064 |
| Noncurrent loans to loans | 0.2884% | 2,106 |
| Net loans and leases to total assets | 76.6500% | 981 |
| Net loans and leases to deposits | 88.8626% | 1,277 |
| Net loans and leases to core deposits | 93.0619% | 1,622 |
| Total domestic deposits to total assets | 86.2600% | 2,159 |
| Equity capital to assets | 9.4227% | 2,220 |
| Core capital (leverage) ratio | 11.0795% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8984% | 1,141 |
| Memoranda: | ||
| Average total assets | $86,321,000 | 3,987 |
| Average earning assets | $81,923,333 | 3,940 |
| Average equity | $8,073,000 | 3,944 |
| Average total loans | $64,162,667 | 3,651 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 1,488 |
| Cost of funding earning assets | 0.9143% | 2,324 |
| Net interest margin | 3.9458% | 1,375 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.4731% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2528% | 1,790 |
| Return on assets (ROA) | 1.2528% | 1,761 |
| Pretax return on assets | 1.6115% | 1,432 |
| Return on Equity (ROE) | 13.4500% | 1,891 |
| Retained earnings to average equity (ytd only) | 13.4475% | 1,018 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.5473% | 2,887 |
| Assets per employee ($millions) | 4.8788% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 660 |
| Loan loss allowance to noncurrent loans | 966.6667% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 2,495 |
| Noncurrent loans to loans | 0.1869% | 2,542 |
| Net loans and leases to total assets | 69.9800% | 1,630 |
| Net loans and leases to deposits | 77.5864% | 1,995 |
| Net loans and leases to core deposits | 81.1410% | 2,171 |
| Total domestic deposits to total assets | 90.2000% | 1,086 |
| Equity capital to assets | 9.4000% | 2,227 |
| Core capital (leverage) ratio | 10.8574% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5399% | 1,255 |
| Memoranda: | ||
| Average total assets | $85,884,500 | 4,042 |
| Average earning assets | $81,808,500 | 3,997 |
| Average equity | $8,001,500 | 4,000 |
| Average total loans | $62,259,500 | 3,727 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 1,318 |
| Cost of funding earning assets | 0.3149% | 2,752 |
| Net interest margin | 3.8523% | 1,062 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.7206% | 1,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0642% | 2,324 |
| Return on assets (ROA) | 1.0642% | 2,268 |
| Pretax return on assets | 1.4440% | 1,641 |
| Return on Equity (ROE) | 11.6600% | 2,256 |
| Retained earnings to average equity (ytd only) | 8.8902% | 1,509 |
| Net charge-offs to loans | 0.0133% | 1,881 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 156.3750% | 765 |
| Efficiency ratio | 65.3271% | 2,317 |
| Assets per employee ($millions) | 4.9378% | 3,725 |
| Cash dividends to net income (ytd only)* | 23.7527% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 627 |
| Loan loss allowance to noncurrent loans | 975.0000% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 2,481 |
| Noncurrent loans to loans | 0.1873% | 2,551 |
| Net loans and leases to total assets | 72.4300% | 1,367 |
| Net loans and leases to deposits | 80.0348% | 1,768 |
| Net loans and leases to core deposits | 82.1644% | 1,995 |
| Total domestic deposits to total assets | 90.5000% | 1,148 |
| Equity capital to assets | 9.1504% | 2,264 |
| Core capital (leverage) ratio | 10.6080% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2357% | 1,095 |
| Memoranda: | ||
| Average total assets | $86,636,400 | 4,052 |
| Average earning assets | $82,237,400 | 4,016 |
| Average equity | $7,907,600 | 4,106 |
| Average total loans | $60,084,600 | 3,725 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0448% | 1,172 |
| Cost of funding earning assets | 0.2947% | 2,230 |
| Net interest margin | 3.7502% | 1,036 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.4235% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3240% | 1,281 |
| Return on assets (ROA) | 1.3240% | 1,254 |
| Pretax return on assets | 1.7378% | 829 |
| Return on Equity (ROE) | 14.5100% | 1,289 |
| Retained earnings to average equity (ytd only) | 14.5145% | 404 |
| Net charge-offs to loans | 0.0067% | 1,907 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 379.3333% | 405 |
| Efficiency ratio | 58.2385% | 3,360 |
| Assets per employee ($millions) | 4.9958% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 674 |
| Loan loss allowance to noncurrent loans | 987.8261% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 2,571 |
| Noncurrent loans to loans | 0.1866% | 2,656 |
| Net loans and leases to total assets | 71.2200% | 1,375 |
| Net loans and leases to deposits | 78.6549% | 1,668 |
| Net loans and leases to core deposits | 80.3966% | 1,874 |
| Total domestic deposits to total assets | 90.5500% | 1,421 |
| Equity capital to assets | 9.0771% | 2,157 |
| Core capital (leverage) ratio | 10.8081% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2578% | 823 |
| Memoranda: | ||
| Average total assets | $87,310,000 | 4,073 |
| Average earning assets | $82,803,000 | 4,038 |
| Average equity | $7,964,250 | 4,138 |
| Average total loans | $59,623,000 | 3,753 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 1,248 |
| Cost of funding earning assets | 0.2944% | 1,771 |
| Net interest margin | 3.5353% | 1,216 |
| Noninterest income to average assets | 0.8013% | 1,038 |
| Noninterest expense to average assets | 2.1634% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6231% | 522 |
| Return on assets (ROA) | 1.6231% | 506 |
| Pretax return on assets | 1.9908% | 389 |
| Return on Equity (ROE) | 17.7654% | 501 |
| Retained earnings to average equity (ytd only) | 17.7654% | 125 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0765% | 4,123 |
| Assets per employee ($millions) | 4.8283% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8490% | 743 |
| Loan loss allowance to noncurrent loans | 941.3223% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 2,738 |
| Noncurrent loans to loans | 0.1964% | 2,723 |
| Net loans and leases to total assets | 69.5705% | 1,336 |
| Net loans and leases to deposits | 76.7755% | 1,630 |
| Net loans and leases to core deposits | 78.7535% | 1,796 |
| Total domestic deposits to total assets | 90.6155% | 1,411 |
| Equity capital to assets | 9.0624% | 2,348 |
| Core capital (leverage) ratio | 10.1879% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0361% | 1,176 |
| Memoranda: | ||
| Average total assets | $88,104,000 | 4,100 |
| Average earning assets | $83,556,333 | 4,080 |
| Average equity | $8,049,333 | 4,198 |
| Average total loans | $58,956,000 | 3,802 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 1,347 |
| Cost of funding earning assets | 0.3049% | 1,611 |
| Net interest margin | 3.3633% | 1,396 |
| Noninterest income to average assets | 0.6809% | 1,383 |
| Noninterest expense to average assets | 2.2998% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2491% | 1,122 |
| Return on assets (ROA) | 1.2491% | 1,108 |
| Pretax return on assets | 1.5648% | 891 |
| Return on Equity (ROE) | 13.6185% | 910 |
| Retained earnings to average equity (ytd only) | 13.6185% | 407 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5099% | 3,535 |
| Assets per employee ($millions) | 5.4671% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 697 |
| Loan loss allowance to noncurrent loans | 650.8571% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 2,502 |
| Noncurrent loans to loans | 0.2968% | 2,405 |
| Net loans and leases to total assets | 62.2219% | 1,836 |
| Net loans and leases to deposits | 68.7360% | 2,077 |
| Net loans and leases to core deposits | 70.3867% | 2,258 |
| Total domestic deposits to total assets | 90.5229% | 1,281 |
| Equity capital to assets | 8.5604% | 3,111 |
| Core capital (leverage) ratio | 9.3197% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2321% | 1,445 |
| Memoranda: | ||
| Average total assets | $88,701,500 | 4,114 |
| Average earning assets | $83,964,500 | 4,090 |
| Average equity | $8,136,000 | 4,255 |
| Average total loans | $57,633,000 | 3,835 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 1,618 |
| Cost of funding earning assets | 0.4299% | 1,333 |
| Net interest margin | 3.4690% | 1,837 |
| Noninterest income to average assets | 2.4835% | 235 |
| Noninterest expense to average assets | 2.5727% | 1,947 |
| Loan and lease loss provision to assets | 0.7428% | 60 |
| Net operating income to assets | 1.5488% | 917 |
| Return on assets (ROA) | 1.5488% | 951 |
| Pretax return on assets | 2.4650% | 271 |
| Return on Equity (ROE) | 15.5938% | 824 |
| Retained earnings to average equity (ytd only) | 13.0634% | 390 |
| Net charge-offs to loans | 0.0056% | 2,381 |
| Credit loss provision to net charge-offs | 20,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 863.6667% | 173 |
| Efficiency ratio | 44.5063% | 4,554 |
| Assets per employee ($millions) | 4.9684% | 3,759 |
| Cash dividends to net income (ytd only)* | 16.2270% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 587 |
| Loan loss allowance to noncurrent loans | 632.7778% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 2,498 |
| Noncurrent loans to loans | 0.3197% | 2,444 |
| Net loans and leases to total assets | 65.3055% | 1,553 |
| Net loans and leases to deposits | 73.2163% | 1,795 |
| Net loans and leases to core deposits | 75.1803% | 1,980 |
| Total domestic deposits to total assets | 89.1953% | 1,417 |
| Equity capital to assets | 9.8457% | 2,808 |
| Core capital (leverage) ratio | 9.3549% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9923% | 1,263 |
| Memoranda: | ||
| Average total assets | $80,772,200 | 4,208 |
| Average earning assets | $76,766,600 | 4,174 |
| Average equity | $8,022,400 | 4,326 |
| Average total loans | $53,378,000 | 3,944 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 1,805 |
| Cost of funding earning assets | 0.4407% | 1,415 |
| Net interest margin | 3.4431% | 2,032 |
| Noninterest income to average assets | 3.2277% | 180 |
| Noninterest expense to average assets | 2.2842% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.0390% | 121 |
| Return on assets (ROA) | 3.0390% | 123 |
| Pretax return on assets | 4.2178% | 76 |
| Return on Equity (ROE) | 30.5272% | 85 |
| Retained earnings to average equity (ytd only) | 30.5272% | 26 |
| Net charge-offs to loans | 0.0076% | 2,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 842.0000% | 192 |
| Efficiency ratio | 35.1310% | 4,826 |
| Assets per employee ($millions) | 4.9731% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 4,011 |
| Loan loss allowance to noncurrent loans | 364.1892% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 2,948 |
| Noncurrent loans to loans | 0.2605% | 2,887 |
| Net loans and leases to total assets | 66.5610% | 1,478 |
| Net loans and leases to deposits | 75.4256% | 1,721 |
| Net loans and leases to core deposits | 77.7495% | 1,907 |
| Total domestic deposits to total assets | 88.2473% | 1,691 |
| Equity capital to assets | 10.8372% | 2,140 |
| Core capital (leverage) ratio | 11.1991% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9909% | 960 |
| Memoranda: | ||
| Average total assets | $79,849,500 | 4,270 |
| Average earning assets | $75,937,750 | 4,239 |
| Average equity | $7,949,000 | 4,393 |
| Average total loans | $52,648,000 | 4,005 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 1,963 |
| Cost of funding earning assets | 0.4566% | 1,473 |
| Net interest margin | 3.3843% | 2,191 |
| Noninterest income to average assets | 0.1737% | 4,341 |
| Noninterest expense to average assets | 2.2175% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8737% | 3,290 |
| Return on assets (ROA) | 0.8737% | 3,367 |
| Pretax return on assets | 1.1752% | 2,978 |
| Return on Equity (ROE) | 9.0660% | 3,076 |
| Retained earnings to average equity (ytd only) | 9.0660% | 1,687 |
| Net charge-offs to loans | 0.0117% | 1,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 153.3333% | 584 |
| Efficiency ratio | 65.3614% | 2,243 |
| Assets per employee ($millions) | 4.4336% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,835 |
| Loan loss allowance to noncurrent loans | 190.4594% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 2,177 |
| Noncurrent loans to loans | 0.5226% | 2,110 |
| Net loans and leases to total assets | 67.1762% | 1,556 |
| Net loans and leases to deposits | 74.5536% | 1,946 |
| Net loans and leases to core deposits | 76.3306% | 2,205 |
| Total domestic deposits to total assets | 90.1046% | 722 |
| Equity capital to assets | 9.6636% | 3,187 |
| Core capital (leverage) ratio | 9.4472% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5834% | 1,774 |
| Memoranda: | ||
| Average total assets | $78,285,333 | 4,319 |
| Average earning assets | $74,460,667 | 4,281 |
| Average equity | $7,544,667 | 4,461 |
| Average total loans | $51,260,333 | 4,054 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 2,149 |
| Cost of funding earning assets | 0.4782% | 1,536 |
| Net interest margin | 3.3037% | 2,382 |
| Noninterest income to average assets | 0.1909% | 4,243 |
| Noninterest expense to average assets | 2.2857% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8513% | 3,267 |
| Return on assets (ROA) | 0.8513% | 3,348 |
| Pretax return on assets | 1.0422% | 3,251 |
| Return on Equity (ROE) | 8.8460% | 3,087 |
| Retained earnings to average equity (ytd only) | 8.8460% | 2,000 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6822% | 1,848 |
| Assets per employee ($millions) | 5.4086% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,574 |
| Loan loss allowance to noncurrent loans | 42.4765% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.5728% | 381 |
| Noncurrent loans to loans | 2.5188% | 367 |
| Net loans and leases to total assets | 61.7745% | 2,308 |
| Net loans and leases to deposits | 68.2858% | 2,669 |
| Net loans and leases to core deposits | 69.8748% | 2,876 |
| Total domestic deposits to total assets | 90.4646% | 598 |
| Equity capital to assets | 9.2569% | 3,437 |
| Core capital (leverage) ratio | 9.3864% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4831% | 1,745 |
| Memoranda: | ||
| Average total assets | $77,525,500 | 4,341 |
| Average earning assets | $73,614,000 | 4,305 |
| Average equity | $7,461,000 | 4,488 |
| Average total loans | $49,816,000 | 4,107 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4465% | 1,446 |
| Cost of funding earning assets | 0.7332% | 1,550 |
| Net interest margin | 3.7133% | 1,752 |
| Noninterest income to average assets | 0.5329% | 2,497 |
| Noninterest expense to average assets | 2.9985% | 1,439 |
| Loan and lease loss provision to assets | 0.0210% | 4,132 |
| Net operating income to assets | 0.8114% | 3,048 |
| Return on assets (ROA) | 0.8114% | 3,169 |
| Pretax return on assets | 1.0389% | 2,913 |
| Return on Equity (ROE) | 7.9138% | 2,855 |
| Retained earnings to average equity (ytd only) | 2.6866% | 3,514 |
| Net charge-offs to loans | -0.1763% | 4,879 |
| Credit loss provision to net charge-offs | -16.6667% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8842% | 1,463 |
| Assets per employee ($millions) | 4.3484% | 4,074 |
| Cash dividends to net income (ytd only)* | 66.0517% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,430 |
| Loan loss allowance to noncurrent loans | 98.9051% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 1,390 |
| Noncurrent loans to loans | 1.1190% | 1,268 |
| Net loans and leases to total assets | 65.5164% | 2,156 |
| Net loans and leases to deposits | 73.1233% | 2,577 |
| Net loans and leases to core deposits | 75.0043% | 2,818 |
| Total domestic deposits to total assets | 89.5971% | 731 |
| Equity capital to assets | 10.0268% | 3,112 |
| Core capital (leverage) ratio | 9.9418% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4693% | 2,462 |
| Memoranda: | ||
| Average total assets | $66,800,000 | 4,425 |
| Average earning assets | $63,420,400 | 4,398 |
| Average equity | $6,848,800 | 4,545 |
| Average total loans | $47,657,800 | 4,151 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 1,453 |
| Cost of funding earning assets | 0.7604% | 1,679 |
| Net interest margin | 3.7890% | 1,649 |
| Noninterest income to average assets | 0.1907% | 4,335 |
| Noninterest expense to average assets | 2.7540% | 2,107 |
| Loan and lease loss provision to assets | 0.0292% | 3,965 |
| Net operating income to assets | 0.7915% | 3,123 |
| Return on assets (ROA) | 0.7915% | 3,238 |
| Pretax return on assets | 1.0151% | 3,013 |
| Return on Equity (ROE) | 7.6722% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.6722% | 1,429 |
| Net charge-offs to loans | -0.2366% | 4,939 |
| Credit loss provision to net charge-offs | -16.6667% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5162% | 1,579 |
| Assets per employee ($millions) | 3.5572% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,394 |
| Loan loss allowance to noncurrent loans | 363.7584% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 3,338 |
| Noncurrent loans to loans | 0.2925% | 3,230 |
| Net loans and leases to total assets | 74.5794% | 1,299 |
| Net loans and leases to deposits | 83.5159% | 1,959 |
| Net loans and leases to core deposits | 85.9086% | 2,310 |
| Total domestic deposits to total assets | 89.2997% | 652 |
| Equity capital to assets | 10.3600% | 2,913 |
| Core capital (leverage) ratio | 10.1451% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3561% | 1,707 |
| Memoranda: | ||
| Average total assets | $65,019,500 | 4,455 |
| Average earning assets | $61,896,250 | 4,432 |
| Average equity | $6,708,000 | 4,578 |
| Average total loans | $47,329,000 | 4,183 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 1,856 |
| Cost of funding earning assets | 0.7736% | 1,973 |
| Net interest margin | 3.7469% | 2,004 |
| Noninterest income to average assets | 0.1964% | 4,294 |
| Noninterest expense to average assets | 2.8240% | 2,040 |
| Loan and lease loss provision to assets | 0.0374% | 3,806 |
| Net operating income to assets | 0.7044% | 3,384 |
| Return on assets (ROA) | 0.7044% | 3,488 |
| Pretax return on assets | 0.8977% | 3,318 |
| Return on Equity (ROE) | 6.8381% | 3,194 |
| Retained earnings to average equity (ytd only) | 6.8381% | 1,726 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1244% | 1,358 |
| Assets per employee ($millions) | 3.7077% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 3,908 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 3,174 |
| Noncurrent loans to loans | 0.3889% | 3,011 |
| Net loans and leases to total assets | 73.2930% | 1,510 |
| Net loans and leases to deposits | 81.9045% | 2,218 |
| Net loans and leases to core deposits | 84.2665% | 2,589 |
| Total domestic deposits to total assets | 89.4859% | 576 |
| Equity capital to assets | 10.2639% | 2,955 |
| Core capital (leverage) ratio | 9.9852% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7462% | 1,909 |
| Memoranda: | ||
| Average total assets | $64,163,667 | 4,480 |
| Average earning assets | $61,011,000 | 4,453 |
| Average equity | $6,610,000 | 4,615 |
| Average total loans | $46,122,667 | 4,212 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 2,340 |
| Cost of funding earning assets | 0.7838% | 2,483 |
| Net interest margin | 3.7048% | 2,305 |
| Noninterest income to average assets | 0.2799% | 3,850 |
| Noninterest expense to average assets | 2.9009% | 2,120 |
| Loan and lease loss provision to assets | 0.0382% | 3,295 |
| Net operating income to assets | 0.6743% | 3,349 |
| Return on assets (ROA) | 0.6743% | 3,420 |
| Pretax return on assets | 0.8588% | 3,256 |
| Return on Equity (ROE) | 6.5331% | 3,124 |
| Retained earnings to average equity (ytd only) | 6.5331% | 1,701 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3819% | 1,519 |
| Assets per employee ($millions) | 3.6116% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,696 |
| Loan loss allowance to noncurrent loans | 117.8010% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 2,242 |
| Noncurrent loans to loans | 0.8503% | 1,918 |
| Net loans and leases to total assets | 68.4121% | 2,485 |
| Net loans and leases to deposits | 76.1919% | 3,054 |
| Net loans and leases to core deposits | 78.4319% | 3,319 |
| Total domestic deposits to total assets | 89.7891% | 388 |
| Equity capital to assets | 10.0755% | 3,709 |
| Core capital (leverage) ratio | 10.0495% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9274% | 1,618 |
| Memoranda: | ||
| Average total assets | $62,876,000 | 4,513 |
| Average earning assets | $59,706,500 | 4,483 |
| Average equity | $6,490,000 | 4,667 |
| Average total loans | $44,498,500 | 4,265 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 2,925 |
| Cost of funding earning assets | 0.7154% | 3,090 |
| Net interest margin | 3.7901% | 2,533 |
| Noninterest income to average assets | 0.2255% | 4,315 |
| Noninterest expense to average assets | 2.9941% | 2,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6518% | 4,014 |
| Return on assets (ROA) | 0.6544% | 4,075 |
| Pretax return on assets | 0.8274% | 3,920 |
| Return on Equity (ROE) | 6.1365% | 3,873 |
| Retained earnings to average equity (ytd only) | 3.1637% | 3,438 |
| Net charge-offs to loans | 0.0899% | 1,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 13.8857% | 2,320 |
| Efficiency ratio | 78.4192% | 1,103 |
| Assets per employee ($millions) | 3.3746% | 4,590 |
| Cash dividends to net income (ytd only)* | 48.4456% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,455 |
| Loan loss allowance to noncurrent loans | 123.6769% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 2,124 |
| Noncurrent loans to loans | 0.8146% | 1,877 |
| Net loans and leases to total assets | 71.8256% | 2,115 |
| Net loans and leases to deposits | 82.2599% | 2,532 |
| Net loans and leases to core deposits | 85.3780% | 2,839 |
| Total domestic deposits to total assets | 87.3154% | 1,445 |
| Equity capital to assets | 10.5856% | 3,360 |
| Core capital (leverage) ratio | 10.4081% | 3,064 |
| Tier 1 risk-based capital ratio | 15.0343% | 2,769 |
| Total risk-based capital ratio | 16.0692% | 2,786 |
| Memoranda: | ||
| Average total assets | $58,982,400 | 4,614 |
| Average earning assets | $55,909,400 | 4,587 |
| Average equity | $6,290,200 | 4,720 |
| Average total loans | $38,942,200 | 4,427 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 3,398 |
| Cost of funding earning assets | 0.6977% | 3,233 |
| Net interest margin | 3.6907% | 2,951 |
| Noninterest income to average assets | 0.2118% | 4,453 |
| Noninterest expense to average assets | 2.8264% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8021% | 3,667 |
| Return on assets (ROA) | 0.8062% | 3,736 |
| Pretax return on assets | 0.8837% | 3,931 |
| Return on Equity (ROE) | 7.5455% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.5455% | 1,598 |
| Net charge-offs to loans | 0.0106% | 2,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 128.6625% | 609 |
| Efficiency ratio | 76.2754% | 1,299 |
| Assets per employee ($millions) | 3.1270% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 2,789 |
| Loan loss allowance to noncurrent loans | 272.9885% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 3,377 |
| Noncurrent loans to loans | 0.4202% | 3,041 |
| Net loans and leases to total assets | 68.9024% | 2,640 |
| Net loans and leases to deposits | 77.5792% | 3,142 |
| Net loans and leases to core deposits | 80.0614% | 3,387 |
| Total domestic deposits to total assets | 88.8156% | 682 |
| Equity capital to assets | 11.0817% | 3,030 |
| Core capital (leverage) ratio | 11.1779% | 2,487 |
| Tier 1 risk-based capital ratio | 17.1003% | 2,051 |
| Total risk-based capital ratio | 18.3301% | 2,013 |
| Memoranda: | ||
| Average total assets | $58,542,250 | 4,682 |
| Average earning assets | $55,417,250 | 4,659 |
| Average equity | $6,255,250 | 4,790 |
| Average total loans | $37,659,500 | 4,515 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 3,630 |
| Cost of funding earning assets | 0.6710% | 3,314 |
| Net interest margin | 3.6305% | 3,160 |
| Noninterest income to average assets | 0.1785% | 4,677 |
| Noninterest expense to average assets | 2.8222% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7073% | 3,985 |
| Return on assets (ROA) | 0.7073% | 4,036 |
| Pretax return on assets | 0.7931% | 4,112 |
| Return on Equity (ROE) | 6.7039% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.7039% | 1,949 |
| Net charge-offs to loans | 0.0110% | 2,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 622 |
| Efficiency ratio | 78.0627% | 1,143 |
| Assets per employee ($millions) | 3.1091% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,397 |
| Loan loss allowance to noncurrent loans | 313.8158% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 3,541 |
| Noncurrent loans to loans | 0.3900% | 3,128 |
| Net loans and leases to total assets | 65.1645% | 3,210 |
| Net loans and leases to deposits | 73.1450% | 3,585 |
| Net loans and leases to core deposits | 75.4829% | 3,771 |
| Total domestic deposits to total assets | 89.0896% | 629 |
| Equity capital to assets | 10.8309% | 3,239 |
| Core capital (leverage) ratio | 10.9768% | 2,624 |
| Tier 1 risk-based capital ratio | 15.0783% | 2,801 |
| Total risk-based capital ratio | 16.1922% | 2,789 |
| Memoranda: | ||
| Average total assets | $58,252,000 | 4,721 |
| Average earning assets | $55,144,330 | 4,698 |
| Average equity | $6,145,670 | 4,835 |
| Average total loans | $36,408,670 | 4,583 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 3,852 |
| Cost of funding earning assets | 0.6287% | 3,414 |
| Net interest margin | 3.5747% | 3,349 |
| Noninterest income to average assets | 0.1037% | 5,063 |
| Noninterest expense to average assets | 2.8975% | 2,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5878% | 4,279 |
| Return on assets (ROA) | 0.5878% | 4,311 |
| Pretax return on assets | 0.5878% | 4,538 |
| Return on Equity (ROE) | 5.6483% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.6483% | 2,615 |
| Net charge-offs to loans | 0.0228% | 1,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 1,116 |
| Efficiency ratio | 83.1349% | 779 |
| Assets per employee ($millions) | 3.1311% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 1,842 |
| Loan loss allowance to noncurrent loans | 350.7353% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 3,708 |
| Noncurrent loans to loans | 0.3866% | 3,197 |
| Net loans and leases to total assets | 58.3241% | 3,850 |
| Net loans and leases to deposits | 65.0792% | 4,118 |
| Net loans and leases to core deposits | 67.1239% | 4,225 |
| Total domestic deposits to total assets | 89.6201% | 590 |
| Equity capital to assets | 10.2757% | 3,549 |
| Core capital (leverage) ratio | 10.6564% | 2,889 |
| Tier 1 risk-based capital ratio | 15.3570% | 2,723 |
| Total risk-based capital ratio | 16.5132% | 2,675 |
| Memoranda: | ||
| Average total assets | $57,842,000 | 4,779 |
| Average earning assets | $54,718,000 | 4,755 |
| Average equity | $6,019,500 | 4,891 |
| Average total loans | $35,127,500 | 4,665 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,922 |
| Cost of funding earning assets | 0.4454% | 3,710 |
| Net interest margin | 3.5918% | 3,411 |
| Noninterest income to average assets | 0.2303% | 4,533 |
| Noninterest expense to average assets | 2.7650% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6505% | 4,284 |
| Return on assets (ROA) | 0.6491% | 4,295 |
| Pretax return on assets | 0.8558% | 4,023 |
| Return on Equity (ROE) | 6.0837% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.9059% | 3,945 |
| Net charge-offs to loans | -0.0206% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3263% | 1,312 |
| Assets per employee ($millions) | 3.1219% | 4,911 |
| Cash dividends to net income (ytd only)* | 52.2346% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,765 |
| Loan loss allowance to noncurrent loans | 207.3593% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 2,912 |
| Noncurrent loans to loans | 0.6585% | 2,347 |
| Net loans and leases to total assets | 61.5760% | 3,610 |
| Net loans and leases to deposits | 68.9187% | 3,911 |
| Net loans and leases to core deposits | 70.7767% | 4,078 |
| Total domestic deposits to total assets | 89.3458% | 714 |
| Equity capital to assets | 10.5456% | 3,137 |
| Core capital (leverage) ratio | 10.9803% | 2,542 |
| Tier 1 risk-based capital ratio | 16.0307% | 2,394 |
| Total risk-based capital ratio | 17.2591% | 2,342 |
| Memoranda: | ||
| Average total assets | $55,153,200 | 4,853 |
| Average earning assets | $52,090,800 | 4,818 |
| Average equity | $5,884,600 | 4,916 |
| Average total loans | $33,980,000 | 4,717 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 4,132 |
| Cost of funding earning assets | 0.3932% | 3,913 |
| Net interest margin | 3.5389% | 3,560 |
| Noninterest income to average assets | 0.2283% | 4,603 |
| Noninterest expense to average assets | 2.6014% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8717% | 3,653 |
| Return on assets (ROA) | 0.8695% | 3,670 |
| Pretax return on assets | 0.9691% | 3,821 |
| Return on Equity (ROE) | 8.1256% | 3,499 |
| Retained earnings to average equity (ytd only) | 8.1256% | 1,593 |
| Net charge-offs to loans | -0.0277% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8076% | 1,763 |
| Assets per employee ($millions) | 3.2333% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,510 |
| Loan loss allowance to noncurrent loans | 240.7035% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 3,303 |
| Noncurrent loans to loans | 0.5067% | 2,866 |
| Net loans and leases to total assets | 66.6564% | 3,106 |
| Net loans and leases to deposits | 82.1924% | 2,794 |
| Net loans and leases to core deposits | 84.5351% | 3,114 |
| Total domestic deposits to total assets | 81.0979% | 3,842 |
| Equity capital to assets | 10.2302% | 3,421 |
| Core capital (leverage) ratio | 11.1887% | 2,425 |
| Tier 1 risk-based capital ratio | 14.9390% | 2,909 |
| Total risk-based capital ratio | 16.0503% | 2,891 |
| Memoranda: | ||
| Average total assets | $54,893,000 | 4,913 |
| Average earning assets | $51,878,500 | 4,875 |
| Average equity | $5,874,250 | 4,968 |
| Average total loans | $33,704,750 | 4,776 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 4,432 |
| Cost of funding earning assets | 0.3152% | 4,309 |
| Net interest margin | 3.4515% | 3,796 |
| Noninterest income to average assets | 0.2342% | 4,613 |
| Noninterest expense to average assets | 2.7177% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7359% | 4,082 |
| Return on assets (ROA) | 0.7324% | 4,094 |
| Pretax return on assets | 0.7696% | 4,338 |
| Return on Equity (ROE) | 6.7331% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.7331% | 2,195 |
| Net charge-offs to loans | -0.0126% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8488% | 1,212 |
| Assets per employee ($millions) | 3.1121% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,144 |
| Loan loss allowance to noncurrent loans | 260.4396% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,458 |
| Noncurrent loans to loans | 0.5010% | 2,915 |
| Net loans and leases to total assets | 64.0026% | 3,400 |
| Net loans and leases to deposits | 76.1291% | 3,312 |
| Net loans and leases to core deposits | 77.8736% | 3,592 |
| Total domestic deposits to total assets | 84.0712% | 3,039 |
| Equity capital to assets | 10.5198% | 3,090 |
| Core capital (leverage) ratio | 11.4127% | 2,150 |
| Tier 1 risk-based capital ratio | 15.4703% | 2,652 |
| Total risk-based capital ratio | 16.6383% | 2,621 |
| Memoranda: | ||
| Average total assets | $53,794,670 | 4,985 |
| Average earning assets | $50,760,330 | 4,955 |
| Average equity | $5,851,670 | 5,026 |
| Average total loans | $31,848,670 | 4,877 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 4,633 |
| Cost of funding earning assets | 0.2981% | 4,363 |
| Net interest margin | 3.3350% | 4,093 |
| Noninterest income to average assets | 0.2050% | 4,799 |
| Noninterest expense to average assets | 2.7637% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5692% | 4,518 |
| Return on assets (ROA) | 0.5619% | 4,539 |
| Pretax return on assets | 0.5770% | 4,740 |
| Return on Equity (ROE) | 5.0763% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.0763% | 3,135 |
| Net charge-offs to loans | 0.0135% | 2,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 724 |
| Efficiency ratio | 82.5397% | 902 |
| Assets per employee ($millions) | 3.1929% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 1,148 |
| Loan loss allowance to noncurrent loans | 214.5455% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 3,202 |
| Noncurrent loans to loans | 0.7480% | 2,341 |
| Net loans and leases to total assets | 53.3125% | 4,343 |
| Net loans and leases to deposits | 59.7041% | 4,497 |
| Net loans and leases to core deposits | 61.7449% | 4,566 |
| Total domestic deposits to total assets | 89.2944% | 964 |
| Equity capital to assets | 10.6430% | 2,934 |
| Core capital (leverage) ratio | 11.5060% | 2,005 |
| Tier 1 risk-based capital ratio | 17.0230% | 2,112 |
| Total risk-based capital ratio | 18.2731% | 2,065 |
| Memoranda: | ||
| Average total assets | $52,683,000 | 5,063 |
| Average earning assets | $49,655,000 | 5,033 |
| Average equity | $5,831,000 | 5,082 |
| Average total loans | $29,609,500 | 4,979 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 4,665 |
| Cost of funding earning assets | 0.2856% | 4,269 |
| Net interest margin | 3.2746% | 4,234 |
| Noninterest income to average assets | 0.3006% | 4,303 |
| Noninterest expense to average assets | 2.5960% | 3,460 |
| Loan and lease loss provision to assets | 0.4403% | 318 |
| Net operating income to assets | 0.3076% | 4,915 |
| Return on assets (ROA) | 0.3791% | 4,769 |
| Pretax return on assets | 0.4154% | 5,069 |
| Return on Equity (ROE) | 3.2944% | 4,749 |
| Retained earnings to average equity (ytd only) | 0.1830% | 4,946 |
| Net charge-offs to loans | 0.0316% | 3,161 |
| Credit loss provision to net charge-offs | 2,555.5556% | 153 |
| Earnings coverage of net charge-offs (x) | 45.1111% | 1,175 |
| Efficiency ratio | 76.9580% | 1,490 |
| Assets per employee ($millions) | 3.0051% | 5,195 |
| Cash dividends to net income (ytd only)* | 94.4444% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,175 |
| Loan loss allowance to noncurrent loans | 231.3725% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 3,263 |
| Noncurrent loans to loans | 0.6844% | 2,502 |
| Net loans and leases to total assets | 57.4267% | 4,067 |
| Net loans and leases to deposits | 67.2697% | 4,082 |
| Net loans and leases to core deposits | 69.8317% | 4,185 |
| Total domestic deposits to total assets | 85.3678% | 2,700 |
| Equity capital to assets | 11.5198% | 2,191 |
| Core capital (leverage) ratio | 11.4170% | 2,003 |
| Tier 1 risk-based capital ratio | 17.3263% | 1,987 |
| Total risk-based capital ratio | 18.5772% | 1,944 |
| Memoranda: | ||
| Average total assets | $52,234,800 | 5,119 |
| Average earning assets | $49,013,600 | 5,086 |
| Average equity | $6,010,200 | 5,099 |
| Average total loans | $28,459,800 | 5,058 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,729 |
| Cost of funding earning assets | 0.2796% | 4,316 |
| Net interest margin | 3.2548% | 4,311 |
| Noninterest income to average assets | 0.3148% | 4,285 |
| Noninterest expense to average assets | 2.5335% | 3,616 |
| Loan and lease loss provision to assets | 0.1015% | 2,085 |
| Net operating income to assets | 0.7235% | 3,859 |
| Return on assets (ROA) | 0.8174% | 3,492 |
| Pretax return on assets | 0.8174% | 4,305 |
| Return on Equity (ROE) | 7.1062% | 3,603 |
| Retained earnings to average equity (ytd only) | 7.1062% | 1,639 |
| Net charge-offs to loans | 0.0474% | 2,494 |
| Credit loss provision to net charge-offs | 400.0000% | 766 |
| Earnings coverage of net charge-offs (x) | 32.5071% | 1,484 |
| Efficiency ratio | 75.4346% | 1,672 |
| Assets per employee ($millions) | 3.0460% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 4,490 |
| Loan loss allowance to noncurrent loans | 151.0753% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 3,592 |
| Noncurrent loans to loans | 0.6055% | 2,894 |
| Net loans and leases to total assets | 58.7810% | 3,983 |
| Net loans and leases to deposits | 68.4308% | 4,083 |
| Net loans and leases to core deposits | 70.9709% | 4,186 |
| Total domestic deposits to total assets | 85.8986% | 2,347 |
| Equity capital to assets | 12.0486% | 1,935 |
| Core capital (leverage) ratio | 11.9289% | 1,737 |
| Tier 1 risk-based capital ratio | 18.7307% | 1,669 |
| Total risk-based capital ratio | 19.5668% | 1,735 |
| Memoranda: | ||
| Average total assets | $52,522,000 | 5,166 |
| Average earning assets | $49,116,000 | 5,137 |
| Average equity | $6,041,500 | 5,154 |
| Average total loans | $28,122,500 | 5,121 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 4,889 |
| Cost of funding earning assets | 0.2723% | 4,356 |
| Net interest margin | 3.1737% | 4,487 |
| Noninterest income to average assets | 0.3373% | 4,134 |
| Noninterest expense to average assets | 2.4143% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8831% | 3,003 |
| Return on assets (ROA) | 1.0233% | 2,362 |
| Pretax return on assets | 1.0233% | 3,467 |
| Return on Equity (ROE) | 9.0366% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.0366% | 827 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2184% | 2,147 |
| Assets per employee ($millions) | 2.9481% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 4,913 |
| Loan loss allowance to noncurrent loans | 140.2235% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,771 |
| Noncurrent loans to loans | 0.5811% | 2,989 |
| Net loans and leases to total assets | 57.5698% | 4,075 |
| Net loans and leases to deposits | 65.8462% | 4,231 |
| Net loans and leases to core deposits | 68.1828% | 4,337 |
| Total domestic deposits to total assets | 87.4307% | 1,755 |
| Equity capital to assets | 11.6949% | 2,159 |
| Core capital (leverage) ratio | 11.8019% | 1,763 |
| Tier 1 risk-based capital ratio | 18.4828% | 1,717 |
| Total risk-based capital ratio | 19.2260% | 1,819 |
| Memoranda: | ||
| Average total assets | $52,768,670 | 5,196 |
| Average earning assets | $49,217,670 | 5,172 |
| Average equity | $5,975,670 | 5,198 |
| Average total loans | $27,257,000 | 5,183 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3452% | 5,039 |
| Cost of funding earning assets | 0.2781% | 4,272 |
| Net interest margin | 3.0671% | 4,743 |
| Noninterest income to average assets | 0.2889% | 4,487 |
| Noninterest expense to average assets | 2.5618% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5777% | 4,250 |
| Return on assets (ROA) | 0.8590% | 2,998 |
| Pretax return on assets | 0.8590% | 3,904 |
| Return on Equity (ROE) | 7.7127% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.7127% | 1,570 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5981% | 1,194 |
| Assets per employee ($millions) | 3.3484% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 4,512 |
| Loan loss allowance to noncurrent loans | 141.0112% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.5586% | 1,009 |
| Noncurrent loans to loans | 0.6789% | 2,815 |
| Net loans and leases to total assets | 48.4704% | 4,786 |
| Net loans and leases to deposits | 54.5260% | 4,903 |
| Net loans and leases to core deposits | 56.4068% | 4,958 |
| Total domestic deposits to total assets | 88.8941% | 1,199 |
| Equity capital to assets | 11.0481% | 2,583 |
| Core capital (leverage) ratio | 11.3196% | 2,091 |
| Tier 1 risk-based capital ratio | 19.6456% | 1,466 |
| Total risk-based capital ratio | 20.4558% | 1,529 |
| Memoranda: | ||
| Average total assets | $52,620,000 | 5,255 |
| Average earning assets | $48,906,000 | 5,232 |
| Average equity | $5,860,500 | 5,256 |
| Average total loans | $25,485,000 | 5,284 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3952% | 4,992 |
| Cost of funding earning assets | 0.3007% | 4,059 |
| Net interest margin | 3.0945% | 4,739 |
| Noninterest income to average assets | 0.3294% | 4,377 |
| Noninterest expense to average assets | 2.7225% | 3,271 |
| Loan and lease loss provision to assets | 0.1570% | 1,588 |
| Net operating income to assets | 0.3217% | 5,163 |
| Return on assets (ROA) | 0.3856% | 5,076 |
| Pretax return on assets | 0.3856% | 5,247 |
| Return on Equity (ROE) | 3.2459% | 5,086 |
| Retained earnings to average equity (ytd only) | -0.3262% | 5,354 |
| Net charge-offs to loans | 0.0415% | 3,200 |
| Credit loss provision to net charge-offs | 900.0000% | 419 |
| Earnings coverage of net charge-offs (x) | 27.4444% | 1,512 |
| Efficiency ratio | 85.0484% | 902 |
| Assets per employee ($millions) | 3.0391% | 5,317 |
| Cash dividends to net income (ytd only)* | 110.0503% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 4,228 |
| Loan loss allowance to noncurrent loans | 112.0536% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.7149% | 897 |
| Noncurrent loans to loans | 0.9050% | 2,287 |
| Net loans and leases to total assets | 47.4209% | 4,935 |
| Net loans and leases to deposits | 56.1579% | 4,906 |
| Net loans and leases to core deposits | 57.5266% | 4,994 |
| Total domestic deposits to total assets | 84.4421% | 3,257 |
| Equity capital to assets | 11.2300% | 2,384 |
| Core capital (leverage) ratio | 11.4709% | 1,953 |
| Tier 1 risk-based capital ratio | 20.8031% | 1,247 |
| Total risk-based capital ratio | 22.5515% | 1,147 |
| Memoranda: | ||
| Average total assets | $51,607,200 | 5,315 |
| Average earning assets | $47,891,600 | 5,291 |
| Average equity | $6,130,800 | 5,256 |
| Average total loans | $21,661,600 | 5,458 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3372% | 5,148 |
| Cost of funding earning assets | 0.3006% | 4,092 |
| Net interest margin | 3.0366% | 4,935 |
| Noninterest income to average assets | 0.3205% | 4,480 |
| Noninterest expense to average assets | 2.7187% | 3,302 |
| Loan and lease loss provision to assets | 0.0620% | 2,992 |
| Net operating income to assets | 0.3592% | 5,145 |
| Return on assets (ROA) | 0.4497% | 4,961 |
| Pretax return on assets | 0.4497% | 5,232 |
| Return on Equity (ROE) | 3.7339% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.7339% | 3,649 |
| Net charge-offs to loans | 0.0894% | 2,074 |
| Credit loss provision to net charge-offs | 171.4286% | 1,626 |
| Earnings coverage of net charge-offs (x) | 11.6406% | 2,468 |
| Efficiency ratio | 86.5844% | 779 |
| Assets per employee ($millions) | 2.8663% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 5,211 |
| Loan loss allowance to noncurrent loans | 38.2591% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 2.2406% | 647 |
| Noncurrent loans to loans | 2.0657% | 938 |
| Net loans and leases to total assets | 45.9849% | 5,098 |
| Net loans and leases to deposits | 54.3740% | 5,089 |
| Net loans and leases to core deposits | 55.3637% | 5,180 |
| Total domestic deposits to total assets | 84.5716% | 3,000 |
| Equity capital to assets | 12.2769% | 1,917 |
| Core capital (leverage) ratio | 11.8740% | 1,768 |
| Tier 1 risk-based capital ratio | 22.4614% | 1,068 |
| Total risk-based capital ratio | 23.8381% | 1,040 |
| Memoranda: | ||
| Average total assets | $51,592,750 | 5,366 |
| Average earning assets | $47,902,750 | 5,344 |
| Average equity | $6,213,000 | 5,298 |
| Average total loans | $20,889,250 | 5,546 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2814% | 5,320 |
| Cost of funding earning assets | 0.2968% | 4,169 |
| Net interest margin | 2.9846% | 5,111 |
| Noninterest income to average assets | 0.3140% | 4,531 |
| Noninterest expense to average assets | 2.7136% | 3,347 |
| Loan and lease loss provision to assets | 0.0581% | 2,977 |
| Net operating income to assets | 0.3101% | 5,294 |
| Return on assets (ROA) | 0.3411% | 5,290 |
| Pretax return on assets | 0.3411% | 5,434 |
| Return on Equity (ROE) | 2.8513% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.8513% | 4,089 |
| Net charge-offs to loans | 0.1509% | 1,423 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,756 |
| Efficiency ratio | 88.0503% | 720 |
| Assets per employee ($millions) | 2.9638% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 5,163 |
| Loan loss allowance to noncurrent loans | 32.9650% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 2.3916% | 608 |
| Noncurrent loans to loans | 2.5465% | 679 |
| Net loans and leases to total assets | 41.9649% | 5,342 |
| Net loans and leases to deposits | 49.2592% | 5,370 |
| Net loans and leases to core deposits | 50.1697% | 5,425 |
| Total domestic deposits to total assets | 85.1920% | 2,789 |
| Equity capital to assets | 12.4998% | 1,771 |
| Core capital (leverage) ratio | 11.4662% | 2,019 |
| Tier 1 risk-based capital ratio | 24.7749% | 832 |
| Total risk-based capital ratio | 26.2332% | 798 |
| Memoranda: | ||
| Average total assets | $51,592,670 | 5,425 |
| Average earning assets | $47,845,670 | 5,402 |
| Average equity | $6,172,670 | 5,355 |
| Average total loans | $19,881,000 | 5,636 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3458% | 5,231 |
| Cost of funding earning assets | 0.2981% | 4,181 |
| Net interest margin | 3.0476% | 5,009 |
| Noninterest income to average assets | 0.2912% | 4,639 |
| Noninterest expense to average assets | 2.7128% | 3,373 |
| Loan and lease loss provision to assets | 0.0460% | 2,998 |
| Net operating income to assets | 0.3525% | 5,140 |
| Return on assets (ROA) | 0.3525% | 5,226 |
| Pretax return on assets | 0.3525% | 5,396 |
| Return on Equity (ROE) | 3.0115% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.0115% | 4,007 |
| Net charge-offs to loans | 0.2296% | 888 |
| Credit loss provision to net charge-offs | 54.5455% | 2,015 |
| Earnings coverage of net charge-offs (x) | 4.7273% | 2,397 |
| Efficiency ratio | 87.1921% | 876 |
| Assets per employee ($millions) | 3.1131% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 5,064 |
| Loan loss allowance to noncurrent loans | 47.9339% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 1.9368% | 920 |
| Noncurrent loans to loans | 1.8730% | 1,181 |
| Net loans and leases to total assets | 36.2930% | 5,624 |
| Net loans and leases to deposits | 41.1761% | 5,677 |
| Net loans and leases to core deposits | 41.8736% | 5,718 |
| Total domestic deposits to total assets | 88.1410% | 1,566 |
| Equity capital to assets | 11.6492% | 2,287 |
| Core capital (leverage) ratio | 11.3187% | 2,125 |
| Tier 1 risk-based capital ratio | 25.3708% | 782 |
| Total risk-based capital ratio | 26.8328% | 752 |
| Memoranda: | ||
| Average total assets | $52,196,500 | 5,468 |
| Average earning assets | $48,300,000 | 5,442 |
| Average equity | $6,110,000 | 5,401 |
| Average total loans | $19,160,000 | 5,713 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2147% | 5,498 |
| Cost of funding earning assets | 0.2768% | 4,516 |
| Net interest margin | 2.9379% | 5,276 |
| Noninterest income to average assets | 0.4039% | 4,006 |
| Noninterest expense to average assets | 2.4982% | 4,228 |
| Loan and lease loss provision to assets | 0.0673% | 2,947 |
| Net operating income to assets | 0.5572% | 4,472 |
| Return on assets (ROA) | 0.5572% | 4,563 |
| Pretax return on assets | 0.5572% | 4,970 |
| Return on Equity (ROE) | 4.8610% | 4,572 |
| Retained earnings to average equity (ytd only) | 1.4355% | 4,908 |
| Net charge-offs to loans | -0.0251% | 5,342 |
| Credit loss provision to net charge-offs | -720.0000% | 5,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,679 |
| Assets per employee ($millions) | 2.7090% | 5,763 |
| Cash dividends to net income (ytd only)* | 70.4698% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,894 |
| Loan loss allowance to noncurrent loans | 56.6456% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.9098% | 949 |
| Noncurrent loans to loans | 1.6685% | 1,363 |
| Net loans and leases to total assets | 36.4477% | 5,693 |
| Net loans and leases to deposits | 41.3744% | 5,727 |
| Net loans and leases to core deposits | 42.0939% | 5,761 |
| Total domestic deposits to total assets | 88.0923% | 1,581 |
| Equity capital to assets | 11.7639% | 2,144 |
| Core capital (leverage) ratio | 11.0458% | 2,357 |
| Tier 1 risk-based capital ratio | 24.7083% | 840 |
| Total risk-based capital ratio | 25.4463% | 885 |
| Memoranda: | ||
| Average total assets | $53,478,400 | 5,471 |
| Average earning assets | $49,491,200 | 5,447 |
| Average equity | $6,130,400 | 5,409 |
| Average total loans | $19,901,800 | 5,722 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1974% | 5,588 |
| Cost of funding earning assets | 0.2720% | 4,640 |
| Net interest margin | 2.9254% | 5,361 |
| Noninterest income to average assets | 0.4174% | 3,950 |
| Noninterest expense to average assets | 2.4255% | 4,434 |
| Loan and lease loss provision to assets | 0.0667% | 2,849 |
| Net operating income to assets | 0.6348% | 4,218 |
| Return on assets (ROA) | 0.6348% | 4,329 |
| Pretax return on assets | 0.6348% | 4,884 |
| Return on Equity (ROE) | 5.5724% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.5724% | 2,540 |
| Net charge-offs to loans | -0.0331% | 5,395 |
| Credit loss provision to net charge-offs | -540.0000% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5671% | 2,010 |
| Assets per employee ($millions) | 2.8365% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 5,493 |
| Loan loss allowance to noncurrent loans | 81.3397% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.6254% | 1,358 |
| Noncurrent loans to loans | 0.9944% | 2,498 |
| Net loans and leases to total assets | 38.6841% | 5,664 |
| Net loans and leases to deposits | 43.9127% | 5,728 |
| Net loans and leases to core deposits | 44.6405% | 5,771 |
| Total domestic deposits to total assets | 88.0931% | 1,506 |
| Equity capital to assets | 11.6824% | 2,363 |
| Core capital (leverage) ratio | 11.5145% | 2,022 |
| Tier 1 risk-based capital ratio | 23.4368% | 1,008 |
| Total risk-based capital ratio | 24.0834% | 1,060 |
| Memoranda: | ||
| Average total assets | $53,980,250 | 5,528 |
| Average earning assets | $49,997,750 | 5,506 |
| Average equity | $6,149,250 | 5,470 |
| Average total loans | $20,142,500 | 5,788 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1596% | 5,673 |
| Cost of funding earning assets | 0.2716% | 4,698 |
| Net interest margin | 2.8880% | 5,464 |
| Noninterest income to average assets | 0.4370% | 3,802 |
| Noninterest expense to average assets | 2.3922% | 4,573 |
| Loan and lease loss provision to assets | 0.0667% | 2,783 |
| Net operating income to assets | 0.6554% | 4,099 |
| Return on assets (ROA) | 0.6554% | 4,206 |
| Pretax return on assets | 0.6554% | 4,805 |
| Return on Equity (ROE) | 5.8030% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.8030% | 2,359 |
| Net charge-offs to loans | -0.0403% | 5,452 |
| Credit loss provision to net charge-offs | -450.0000% | 5,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8133% | 2,228 |
| Assets per employee ($millions) | 2.8899% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 5,731 |
| Loan loss allowance to noncurrent loans | 197.5309% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.4379% | 1,736 |
| Noncurrent loans to loans | 0.3750% | 4,366 |
| Net loans and leases to total assets | 41.2196% | 5,561 |
| Net loans and leases to deposits | 46.7921% | 5,640 |
| Net loans and leases to core deposits | 47.5939% | 5,705 |
| Total domestic deposits to total assets | 88.0909% | 1,602 |
| Equity capital to assets | 11.7611% | 2,190 |
| Core capital (leverage) ratio | 11.1539% | 2,287 |
| Tier 1 risk-based capital ratio | 23.0723% | 1,072 |
| Total risk-based capital ratio | 23.6791% | 1,127 |
| Memoranda: | ||
| Average total assets | $54,009,330 | 5,581 |
| Average earning assets | $50,069,000 | 5,562 |
| Average equity | $6,100,330 | 5,528 |
| Average total loans | $19,850,670 | 5,858 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0578% | 5,831 |
| Cost of funding earning assets | 0.2666% | 4,833 |
| Net interest margin | 2.7912% | 5,662 |
| Noninterest income to average assets | 0.4945% | 3,319 |
| Noninterest expense to average assets | 2.3416% | 4,766 |
| Loan and lease loss provision to assets | 0.0654% | 2,628 |
| Net operating income to assets | 0.6763% | 3,916 |
| Return on assets (ROA) | 0.6763% | 4,035 |
| Pretax return on assets | 0.6763% | 4,667 |
| Return on Equity (ROE) | 6.1069% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.1069% | 2,431 |
| Net charge-offs to loans | -0.0422% | 5,438 |
| Credit loss provision to net charge-offs | -450.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9434% | 2,526 |
| Assets per employee ($millions) | 3.2523% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 5,793 |
| Loan loss allowance to noncurrent loans | 201.3514% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 1.3402% | 1,985 |
| Noncurrent loans to loans | 0.3766% | 4,461 |
| Net loans and leases to total assets | 35.2710% | 5,861 |
| Net loans and leases to deposits | 39.8394% | 5,920 |
| Net loans and leases to core deposits | 40.4761% | 5,959 |
| Total domestic deposits to total assets | 88.5330% | 1,531 |
| Equity capital to assets | 11.1903% | 2,764 |
| Core capital (leverage) ratio | 10.6704% | 2,777 |
| Tier 1 risk-based capital ratio | 23.3016% | 1,073 |
| Total risk-based capital ratio | 23.8804% | 1,139 |
| Memoranda: | ||
| Average total assets | $55,004,500 | 5,616 |
| Average earning assets | $51,017,000 | 5,589 |
| Average equity | $6,091,500 | 5,576 |
| Average total loans | $18,975,000 | 5,940 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2211% | 5,811 |
| Cost of funding earning assets | 0.2791% | 5,011 |
| Net interest margin | 2.9420% | 5,565 |
| Noninterest income to average assets | 0.4286% | 3,981 |
| Noninterest expense to average assets | 2.5061% | 4,528 |
| Loan and lease loss provision to assets | 0.0115% | 4,390 |
| Net operating income to assets | 0.6457% | 4,165 |
| Return on assets (ROA) | 0.6861% | 4,080 |
| Pretax return on assets | 0.6861% | 4,673 |
| Return on Equity (ROE) | 6.1654% | 4,072 |
| Retained earnings to average equity (ytd only) | 2.2969% | 4,601 |
| Net charge-offs to loans | 0.7207% | 508 |
| Credit loss provision to net charge-offs | 4.6512% | 4,161 |
| Earnings coverage of net charge-offs (x) | 2.6512% | 4,099 |
| Efficiency ratio | 79.2224% | 2,034 |
| Assets per employee ($millions) | 3.2188% | 5,408 |
| Cash dividends to net income (ytd only)* | 62.7451% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 5,876 |
| Loan loss allowance to noncurrent loans | 92.6174% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 1,836 |
| Noncurrent loans to loans | 0.8142% | 3,282 |
| Net loans and leases to total assets | 33.1908% | 6,076 |
| Net loans and leases to deposits | 37.3442% | 6,119 |
| Net loans and leases to core deposits | 37.5519% | 6,165 |
| Total domestic deposits to total assets | 88.8779% | 1,302 |
| Equity capital to assets | 10.9576% | 2,938 |
| Core capital (leverage) ratio | 11.1055% | 2,312 |
| Tier 1 risk-based capital ratio | 24.0531% | 950 |
| Total risk-based capital ratio | 24.6151% | 1,001 |
| Memoranda: | ||
| Average total assets | $52,033,800 | 5,741 |
| Average earning assets | $48,368,600 | 5,713 |
| Average equity | $5,790,400 | 5,665 |
| Average total loans | $17,900,400 | 6,047 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2646% | 5,818 |
| Cost of funding earning assets | 0.2790% | 5,104 |
| Net interest margin | 2.9856% | 5,525 |
| Noninterest income to average assets | 0.4491% | 3,901 |
| Noninterest expense to average assets | 2.5517% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6749% | 4,077 |
| Return on assets (ROA) | 0.7294% | 3,892 |
| Pretax return on assets | 0.7294% | 4,594 |
| Return on Equity (ROE) | 6.5283% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.5283% | 2,086 |
| Net charge-offs to loans | 0.9513% | 327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.0472% | 4,009 |
| Efficiency ratio | 79.0829% | 2,043 |
| Assets per employee ($millions) | 3.1666% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 6,089 |
| Loan loss allowance to noncurrent loans | 16.9406% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5612% | 1,961 |
| Noncurrent loans to loans | 4.1790% | 488 |
| Net loans and leases to total assets | 37.0946% | 5,986 |
| Net loans and leases to deposits | 43.6177% | 5,992 |
| Net loans and leases to core deposits | 43.6177% | 6,056 |
| Total domestic deposits to total assets | 85.0449% | 3,321 |
| Equity capital to assets | 11.8958% | 2,158 |
| Core capital (leverage) ratio | 11.8419% | 1,802 |
| Tier 1 risk-based capital ratio | 25.2703% | 857 |
| Total risk-based capital ratio | 25.8297% | 911 |
| Memoranda: | ||
| Average total assets | $51,362,250 | 5,823 |
| Average earning assets | $47,784,250 | 5,796 |
| Average equity | $5,739,000 | 5,732 |
| Average total loans | $17,800,500 | 6,113 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2363% | 5,896 |
| Cost of funding earning assets | 0.2843% | 5,138 |
| Net interest margin | 2.9520% | 5,630 |
| Noninterest income to average assets | 0.4574% | 3,811 |
| Noninterest expense to average assets | 2.6204% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5737% | 4,488 |
| Return on assets (ROA) | 0.6629% | 4,128 |
| Pretax return on assets | 0.6629% | 4,757 |
| Return on Equity (ROE) | 6.0606% | 4,119 |
| Retained earnings to average equity (ytd only) | 6.0606% | 2,281 |
| Net charge-offs to loans | 0.1722% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.8667% | 2,306 |
| Efficiency ratio | 82.0388% | 1,737 |
| Assets per employee ($millions) | 3.2654% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,566 |
| Loan loss allowance to noncurrent loans | 27.3942% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 1.7188% | 1,903 |
| Noncurrent loans to loans | 4.9447% | 403 |
| Net loans and leases to total assets | 34.2897% | 6,135 |
| Net loans and leases to deposits | 39.5187% | 6,173 |
| Net loans and leases to core deposits | 39.5187% | 6,233 |
| Total domestic deposits to total assets | 86.7684% | 2,597 |
| Equity capital to assets | 11.2391% | 2,663 |
| Core capital (leverage) ratio | 11.5367% | 1,968 |
| Tier 1 risk-based capital ratio | 25.4911% | 825 |
| Total risk-based capital ratio | 26.5463% | 825 |
| Memoranda: | ||
| Average total assets | $51,594,670 | 5,869 |
| Average earning assets | $47,832,670 | 5,839 |
| Average equity | $5,643,000 | 5,797 |
| Average total loans | $17,424,670 | 6,176 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2335% | 5,961 |
| Cost of funding earning assets | 0.3008% | 5,055 |
| Net interest margin | 2.9327% | 5,685 |
| Noninterest income to average assets | 0.5149% | 3,295 |
| Noninterest expense to average assets | 2.6839% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5695% | 4,354 |
| Return on assets (ROA) | 0.7490% | 3,503 |
| Pretax return on assets | 0.7490% | 4,315 |
| Return on Equity (ROE) | 6.9458% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.9458% | 2,073 |
| Net charge-offs to loans | 0.0235% | 3,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 574 |
| Efficiency ratio | 82.4940% | 1,865 |
| Assets per employee ($millions) | 3.0974% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 2,912 |
| Loan loss allowance to noncurrent loans | 25.0241% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 1.9827% | 1,732 |
| Noncurrent loans to loans | 6.2034% | 285 |
| Net loans and leases to total assets | 31.3146% | 6,292 |
| Net loans and leases to deposits | 35.1039% | 6,344 |
| Net loans and leases to core deposits | 35.1039% | 6,382 |
| Total domestic deposits to total assets | 89.2054% | 1,527 |
| Equity capital to assets | 10.7167% | 3,019 |
| Core capital (leverage) ratio | 11.0259% | 2,360 |
| Tier 1 risk-based capital ratio | 25.3795% | 851 |
| Total risk-based capital ratio | 26.5038% | 843 |
| Memoranda: | ||
| Average total assets | $51,269,000 | 5,933 |
| Average earning assets | $47,873,500 | 5,892 |
| Average equity | $5,528,500 | 5,856 |
| Average total loans | $17,056,500 | 6,258 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9418% | 6,393 |
| Cost of funding earning assets | 0.3175% | 5,447 |
| Net interest margin | 2.6243% | 6,236 |
| Noninterest income to average assets | 0.4058% | 4,402 |
| Noninterest expense to average assets | 2.5260% | 4,685 |
| Loan and lease loss provision to assets | 0.0603% | 3,935 |
| Net operating income to assets | 0.2669% | 5,632 |
| Return on assets (ROA) | 0.3162% | 5,567 |
| Pretax return on assets | 0.3162% | 5,687 |
| Return on Equity (ROE) | 2.9674% | 5,520 |
| Retained earnings to average equity (ytd only) | -0.2573% | 5,931 |
| Net charge-offs to loans | 0.1478% | 3,327 |
| Credit loss provision to net charge-offs | 132.0000% | 1,783 |
| Earnings coverage of net charge-offs (x) | 7.1600% | 2,905 |
| Efficiency ratio | 88.5330% | 1,163 |
| Assets per employee ($millions) | 2.7712% | 6,148 |
| Cash dividends to net income (ytd only)* | 108.6705% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 3,172 |
| Loan loss allowance to noncurrent loans | 20.5512% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 2.5460% | 1,337 |
| Noncurrent loans to loans | 7.3140% | 223 |
| Net loans and leases to total assets | 34.2869% | 6,279 |
| Net loans and leases to deposits | 38.5021% | 6,348 |
| Net loans and leases to core deposits | 38.5021% | 6,402 |
| Total domestic deposits to total assets | 89.0522% | 1,585 |
| Equity capital to assets | 10.8536% | 2,757 |
| Core capital (leverage) ratio | 11.4209% | 2,018 |
| Tier 1 risk-based capital ratio | 25.5376% | 811 |
| Total risk-based capital ratio | 26.6923% | 804 |
| Memoranda: | ||
| Average total assets | $54,710,000 | 5,899 |
| Average earning assets | $51,022,800 | 5,863 |
| Average equity | $5,830,000 | 5,857 |
| Average total loans | $16,919,600 | 6,325 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8858% | 6,501 |
| Cost of funding earning assets | 0.3136% | 5,609 |
| Net interest margin | 2.5722% | 6,346 |
| Noninterest income to average assets | 0.4006% | 4,537 |
| Noninterest expense to average assets | 2.4607% | 4,835 |
| Loan and lease loss provision to assets | 0.0787% | 3,488 |
| Net operating income to assets | 0.2671% | 5,731 |
| Return on assets (ROA) | 0.3314% | 5,620 |
| Pretax return on assets | 0.3314% | 5,795 |
| Return on Equity (ROE) | 3.1232% | 5,563 |
| Retained earnings to average equity (ytd only) | 3.1232% | 4,451 |
| Net charge-offs to loans | 0.2063% | 2,587 |
| Credit loss provision to net charge-offs | 126.9231% | 1,855 |
| Earnings coverage of net charge-offs (x) | 5.5763% | 3,159 |
| Efficiency ratio | 87.6805% | 1,201 |
| Assets per employee ($millions) | 2.6353% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 3,974 |
| Loan loss allowance to noncurrent loans | 20.7337% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 2.5044% | 1,537 |
| Noncurrent loans to loans | 6.6670% | 329 |
| Net loans and leases to total assets | 37.0454% | 6,222 |
| Net loans and leases to deposits | 41.7959% | 6,318 |
| Net loans and leases to core deposits | 42.0374% | 6,385 |
| Total domestic deposits to total assets | 88.6341% | 1,760 |
| Equity capital to assets | 11.2640% | 2,501 |
| Core capital (leverage) ratio | 11.8441% | 1,778 |
| Tier 1 risk-based capital ratio | 24.7961% | 898 |
| Total risk-based capital ratio | 25.8838% | 901 |
| Memoranda: | ||
| Average total assets | $55,917,000 | 5,937 |
| Average earning assets | $52,300,750 | 5,894 |
| Average equity | $5,934,000 | 5,910 |
| Average total loans | $16,808,500 | 6,397 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7776% | 6,617 |
| Cost of funding earning assets | 0.3176% | 5,690 |
| Net interest margin | 2.4599% | 6,491 |
| Noninterest income to average assets | 0.4251% | 4,340 |
| Noninterest expense to average assets | 2.3779% | 5,111 |
| Loan and lease loss provision to assets | 0.0691% | 3,656 |
| Net operating income to assets | 0.2800% | 5,664 |
| Return on assets (ROA) | 0.3733% | 5,486 |
| Pretax return on assets | 0.3733% | 5,695 |
| Return on Equity (ROE) | 3.5809% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.5809% | 4,040 |
| Net charge-offs to loans | 0.3345% | 1,849 |
| Credit loss provision to net charge-offs | 74.0741% | 2,741 |
| Earnings coverage of net charge-offs (x) | 3.7407% | 3,315 |
| Efficiency ratio | 87.1990% | 1,305 |
| Assets per employee ($millions) | 2.5808% | 6,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 4,057 |
| Loan loss allowance to noncurrent loans | 17.8520% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 2.8102% | 1,469 |
| Noncurrent loans to loans | 7.8140% | 269 |
| Net loans and leases to total assets | 35.4617% | 6,331 |
| Net loans and leases to deposits | 40.2393% | 6,397 |
| Net loans and leases to core deposits | 40.4781% | 6,453 |
| Total domestic deposits to total assets | 88.1271% | 2,154 |
| Equity capital to assets | 11.7913% | 2,063 |
| Core capital (leverage) ratio | 11.2298% | 2,148 |
| Tier 1 risk-based capital ratio | 26.2068% | 755 |
| Total risk-based capital ratio | 27.3002% | 751 |
| Memoranda: | ||
| Average total assets | $57,865,670 | 5,916 |
| Average earning assets | $54,147,670 | 5,859 |
| Average equity | $6,032,000 | 5,925 |
| Average total loans | $16,141,670 | 6,466 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5901% | 6,785 |
| Cost of funding earning assets | 0.3220% | 5,786 |
| Net interest margin | 2.2680% | 6,707 |
| Noninterest income to average assets | 0.5202% | 3,632 |
| Noninterest expense to average assets | 2.2029% | 5,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4432% | 4,942 |
| Return on assets (ROA) | 0.4432% | 5,104 |
| Pretax return on assets | 0.4432% | 5,432 |
| Return on Equity (ROE) | 4.4827% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.4827% | 3,543 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2524% | 1,860 |
| Assets per employee ($millions) | 3.1339% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 3,152 |
| Loan loss allowance to noncurrent loans | 17.5817% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 2.5510% | 1,798 |
| Noncurrent loans to loans | 9.4733% | 239 |
| Net loans and leases to total assets | 26.4793% | 6,716 |
| Net loans and leases to deposits | 29.8281% | 6,750 |
| Net loans and leases to core deposits | 29.9807% | 6,764 |
| Total domestic deposits to total assets | 88.7733% | 1,817 |
| Equity capital to assets | 10.9130% | 3,059 |
| Core capital (leverage) ratio | 9.9076% | 3,519 |
| Tier 1 risk-based capital ratio | 26.7467% | 731 |
| Total risk-based capital ratio | 27.9021% | 725 |
| Memoranda: | ||
| Average total assets | $62,280,500 | 5,857 |
| Average earning assets | $58,377,000 | 5,792 |
| Average equity | $6,157,000 | 5,945 |
| Average total loans | $15,395,000 | 6,562 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2971% | 6,588 |
| Cost of funding earning assets | 0.4812% | 5,340 |
| Net interest margin | 2.8159% | 6,366 |
| Noninterest income to average assets | 0.4165% | 4,481 |
| Noninterest expense to average assets | 2.7305% | 4,286 |
| Loan and lease loss provision to assets | 0.2639% | 2,533 |
| Net operating income to assets | 0.0257% | 6,128 |
| Return on assets (ROA) | 0.0269% | 6,268 |
| Pretax return on assets | 0.0395% | 6,234 |
| Return on Equity (ROE) | 0.2362% | 6,273 |
| Retained earnings to average equity (ytd only) | -2.7246% | 6,241 |
| Net charge-offs to loans | 1.8773% | 412 |
| Credit loss provision to net charge-offs | 42.8571% | 4,866 |
| Earnings coverage of net charge-offs (x) | 0.4898% | 5,243 |
| Efficiency ratio | 90.0533% | 1,067 |
| Assets per employee ($millions) | 3.7862% | 4,395 |
| Cash dividends to net income (ytd only)* | 1,253.3333% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 3,214 |
| Loan loss allowance to noncurrent loans | 17.8420% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 2.0807% | 2,357 |
| Noncurrent loans to loans | 9.0897% | 284 |
| Net loans and leases to total assets | 22.5191% | 6,884 |
| Net loans and leases to deposits | 24.8474% | 6,914 |
| Net loans and leases to core deposits | 24.9504% | 6,920 |
| Total domestic deposits to total assets | 90.6296% | 650 |
| Equity capital to assets | 9.0358% | 5,480 |
| Core capital (leverage) ratio | 10.4399% | 2,837 |
| Tier 1 risk-based capital ratio | 23.3802% | 1,053 |
| Total risk-based capital ratio | 24.4022% | 1,076 |
| Memoranda: | ||
| Average total assets | $55,703,200 | 6,030 |
| Average earning assets | $51,742,400 | 5,989 |
| Average equity | $6,349,600 | 5,929 |
| Average total loans | $18,270,800 | 6,501 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 6,365 |
| Cost of funding earning assets | 0.5249% | 5,275 |
| Net interest margin | 3.0975% | 5,944 |
| Noninterest income to average assets | 0.4487% | 4,304 |
| Noninterest expense to average assets | 2.9561% | 3,386 |
| Loan and lease loss provision to assets | 0.3499% | 1,864 |
| Net operating income to assets | 0.0034% | 6,275 |
| Return on assets (ROA) | 0.0051% | 6,400 |
| Pretax return on assets | 0.0178% | 6,380 |
| Return on Equity (ROE) | 0.0417% | 6,401 |
| Retained earnings to average equity (ytd only) | 0.0417% | 6,057 |
| Net charge-offs to loans | 0.1760% | 3,704 |
| Credit loss provision to net charge-offs | 552.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 5.7606% | 2,931 |
| Efficiency ratio | 89.0076% | 1,115 |
| Assets per employee ($millions) | 2.9424% | 6,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2177% | 590 |
| Loan loss allowance to noncurrent loans | 21.0172% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 5.0487% | 883 |
| Noncurrent loans to loans | 15.3097% | 91 |
| Net loans and leases to total assets | 31.9160% | 6,750 |
| Net loans and leases to deposits | 36.5050% | 6,801 |
| Net loans and leases to core deposits | 36.7071% | 6,843 |
| Total domestic deposits to total assets | 87.4292% | 2,399 |
| Equity capital to assets | 12.0516% | 2,211 |
| Core capital (leverage) ratio | 12.0866% | 1,602 |
| Tier 1 risk-based capital ratio | 25.0904% | 899 |
| Total risk-based capital ratio | 26.1883% | 902 |
| Memoranda: | ||
| Average total assets | $52,591,250 | 6,203 |
| Average earning assets | $48,769,250 | 6,168 |
| Average equity | $6,397,500 | 5,986 |
| Average total loans | $18,938,500 | 6,555 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 6,378 |
| Cost of funding earning assets | 0.5686% | 5,156 |
| Net interest margin | 3.1050% | 5,991 |
| Noninterest income to average assets | 0.4841% | 4,028 |
| Noninterest expense to average assets | 3.0495% | 3,086 |
| Loan and lease loss provision to assets | 0.0343% | 5,241 |
| Net operating income to assets | 0.2747% | 5,692 |
| Return on assets (ROA) | 0.2783% | 5,876 |
| Pretax return on assets | 0.2973% | 5,968 |
| Return on Equity (ROE) | 2.2804% | 5,955 |
| Retained earnings to average equity (ytd only) | 2.2804% | 5,052 |
| Net charge-offs to loans | 0.2676% | 2,977 |
| Credit loss provision to net charge-offs | 34.6154% | 4,362 |
| Earnings coverage of net charge-offs (x) | 3.3077% | 3,426 |
| Efficiency ratio | 90.2935% | 1,050 |
| Assets per employee ($millions) | 2.6493% | 6,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1882% | 1,799 |
| Loan loss allowance to noncurrent loans | 15.9292% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 5.4830% | 814 |
| Noncurrent loans to loans | 13.7372% | 127 |
| Net loans and leases to total assets | 38.3614% | 6,452 |
| Net loans and leases to deposits | 44.2271% | 6,547 |
| Net loans and leases to core deposits | 44.4869% | 6,639 |
| Total domestic deposits to total assets | 86.7374% | 2,937 |
| Equity capital to assets | 12.7362% | 1,664 |
| Core capital (leverage) ratio | 11.6700% | 1,802 |
| Tier 1 risk-based capital ratio | 23.8689% | 1,029 |
| Total risk-based capital ratio | 25.1204% | 1,010 |
| Memoranda: | ||
| Average total assets | $52,467,000 | 6,251 |
| Average earning assets | $48,889,000 | 6,201 |
| Average equity | $6,402,330 | 6,012 |
| Average total loans | $19,429,330 | 6,585 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 6,464 |
| Cost of funding earning assets | 0.6085% | 5,063 |
| Net interest margin | 3.0744% | 6,120 |
| Noninterest income to average assets | 0.5679% | 3,445 |
| Noninterest expense to average assets | 2.8917% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5604% | 4,545 |
| Return on assets (ROA) | 0.5679% | 4,728 |
| Pretax return on assets | 0.5529% | 5,268 |
| Return on Equity (ROE) | 4.7515% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.7515% | 3,708 |
| Net charge-offs to loans | 0.5396% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.8077% | 3,058 |
| Efficiency ratio | 84.1304% | 1,675 |
| Assets per employee ($millions) | 2.7851% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2335% | 1,819 |
| Loan loss allowance to noncurrent loans | 15.3205% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 5.3102% | 950 |
| Noncurrent loans to loans | 14.5784% | 130 |
| Net loans and leases to total assets | 34.9906% | 6,691 |
| Net loans and leases to deposits | 39.9379% | 6,739 |
| Net loans and leases to core deposits | 41.0582% | 6,783 |
| Total domestic deposits to total assets | 87.6127% | 2,581 |
| Equity capital to assets | 11.9905% | 2,049 |
| Core capital (leverage) ratio | 11.2030% | 2,108 |
| Tier 1 risk-based capital ratio | 24.0805% | 997 |
| Total risk-based capital ratio | 25.3370% | 984 |
| Memoranda: | ||
| Average total assets | $53,532,000 | 6,245 |
| Average earning assets | $49,961,500 | 6,197 |
| Average equity | $6,398,000 | 6,044 |
| Average total loans | $19,273,000 | 6,643 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 5,958 |
| Cost of funding earning assets | 0.7276% | 5,356 |
| Net interest margin | 3.5068% | 5,119 |
| Noninterest income to average assets | 0.4586% | 4,155 |
| Noninterest expense to average assets | 2.9159% | 3,896 |
| Loan and lease loss provision to assets | 0.1960% | 4,226 |
| Net operating income to assets | 0.6251% | 3,856 |
| Return on assets (ROA) | 0.6408% | 3,977 |
| Pretax return on assets | 0.6114% | 4,658 |
| Return on Equity (ROE) | 5.1873% | 4,299 |
| Retained earnings to average equity (ytd only) | 2.0781% | 4,733 |
| Net charge-offs to loans | 0.3469% | 3,665 |
| Credit loss provision to net charge-offs | 135.1351% | 2,220 |
| Earnings coverage of net charge-offs (x) | 5.4595% | 2,786 |
| Efficiency ratio | 78.6469% | 2,506 |
| Assets per employee ($millions) | 2.8498% | 6,380 |
| Cash dividends to net income (ytd only)* | 59.9388% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2900% | 1,632 |
| Loan loss allowance to noncurrent loans | 15.7433% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 5.4186% | 951 |
| Noncurrent loans to loans | 14.5458% | 139 |
| Net loans and leases to total assets | 35.3815% | 6,795 |
| Net loans and leases to deposits | 40.3649% | 6,866 |
| Net loans and leases to core deposits | 41.2461% | 6,907 |
| Total domestic deposits to total assets | 87.6540% | 2,364 |
| Equity capital to assets | 11.9139% | 2,190 |
| Core capital (leverage) ratio | 11.4656% | 1,921 |
| Tier 1 risk-based capital ratio | 23.8433% | 978 |
| Total risk-based capital ratio | 25.0988% | 965 |
| Memoranda: | ||
| Average total assets | $51,030,200 | 6,334 |
| Average earning assets | $47,280,200 | 6,279 |
| Average equity | $6,303,800 | 6,069 |
| Average total loans | $21,329,000 | 6,587 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 5,786 |
| Cost of funding earning assets | 0.7413% | 5,514 |
| Net interest margin | 3.6060% | 4,743 |
| Noninterest income to average assets | 0.4617% | 4,207 |
| Noninterest expense to average assets | 2.9823% | 3,620 |
| Loan and lease loss provision to assets | 0.2653% | 3,387 |
| Net operating income to assets | 0.5310% | 4,402 |
| Return on assets (ROA) | 0.5492% | 4,505 |
| Pretax return on assets | 0.5625% | 4,925 |
| Return on Equity (ROE) | 4.4039% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.4039% | 3,593 |
| Net charge-offs to loans | 0.4412% | 2,961 |
| Credit loss provision to net charge-offs | 138.8889% | 2,296 |
| Earnings coverage of net charge-offs (x) | 4.2360% | 3,131 |
| Efficiency ratio | 78.6564% | 2,450 |
| Assets per employee ($millions) | 2.7826% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1445% | 1,976 |
| Loan loss allowance to noncurrent loans | 15.4452% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 5.5230% | 1,007 |
| Noncurrent loans to loans | 13.8843% | 166 |
| Net loans and leases to total assets | 38.9257% | 6,716 |
| Net loans and leases to deposits | 44.6653% | 6,802 |
| Net loans and leases to core deposits | 44.9139% | 6,891 |
| Total domestic deposits to total assets | 87.1496% | 2,551 |
| Equity capital to assets | 12.3643% | 1,991 |
| Core capital (leverage) ratio | 12.0964% | 1,653 |
| Tier 1 risk-based capital ratio | 23.2134% | 1,119 |
| Total risk-based capital ratio | 24.4690% | 1,101 |
| Memoranda: | ||
| Average total assets | $50,251,000 | 6,416 |
| Average earning assets | $46,402,500 | 6,367 |
| Average equity | $6,267,000 | 6,124 |
| Average total loans | $21,759,500 | 6,631 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 5,907 |
| Cost of funding earning assets | 0.7632% | 5,605 |
| Net interest margin | 3.5672% | 4,848 |
| Noninterest income to average assets | 0.4536% | 4,260 |
| Noninterest expense to average assets | 2.9932% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7543% | 3,266 |
| Return on assets (ROA) | 0.7979% | 3,212 |
| Pretax return on assets | 0.8182% | 3,954 |
| Return on Equity (ROE) | 6.3785% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.3785% | 2,201 |
| Net charge-offs to loans | 0.6545% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.6528% | 3,506 |
| Efficiency ratio | 79.4624% | 2,472 |
| Assets per employee ($millions) | 2.6571% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 4,165 |
| Loan loss allowance to noncurrent loans | 11.4258% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 6.0850% | 919 |
| Noncurrent loans to loans | 13.0673% | 204 |
| Net loans and leases to total assets | 45.8711% | 6,285 |
| Net loans and leases to deposits | 52.8191% | 6,411 |
| Net loans and leases to core deposits | 53.1281% | 6,607 |
| Total domestic deposits to total assets | 86.8456% | 2,825 |
| Equity capital to assets | 12.8157% | 1,617 |
| Core capital (leverage) ratio | 12.5689% | 1,326 |
| Tier 1 risk-based capital ratio | 22.1334% | 1,235 |
| Total risk-based capital ratio | 23.3642% | 1,210 |
| Memoranda: | ||
| Average total assets | $49,378,000 | 6,503 |
| Average earning assets | $45,862,000 | 6,444 |
| Average equity | $6,177,000 | 6,178 |
| Average total loans | $22,002,330 | 6,682 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 6,142 |
| Cost of funding earning assets | 0.8082% | 5,534 |
| Net interest margin | 3.4435% | 5,250 |
| Noninterest income to average assets | 0.5079% | 3,823 |
| Noninterest expense to average assets | 3.0722% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6308% | 3,862 |
| Return on assets (ROA) | 0.6308% | 3,930 |
| Pretax return on assets | 0.6472% | 4,501 |
| Return on Equity (ROE) | 5.1074% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.1074% | 3,115 |
| Net charge-offs to loans | 0.0188% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 393 |
| Efficiency ratio | 82.5991% | 2,138 |
| Assets per employee ($millions) | 2.5306% | 6,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9867% | 2,455 |
| Loan loss allowance to noncurrent loans | 12.1614% | 6,980 |
| Noncurrent assets plus other real estate owned to assets | 7.2168% | 721 |
| Noncurrent loans to loans | 16.3363% | 116 |
| Net loans and leases to total assets | 43.2989% | 6,521 |
| Net loans and leases to deposits | 49.6719% | 6,650 |
| Net loans and leases to core deposits | 49.9760% | 6,775 |
| Total domestic deposits to total assets | 87.1698% | 2,849 |
| Equity capital to assets | 12.6742% | 1,535 |
| Core capital (leverage) ratio | 12.3214% | 1,403 |
| Tier 1 risk-based capital ratio | 23.6066% | 1,013 |
| Total risk-based capital ratio | 24.8608% | 994 |
| Memoranda: | ||
| Average total assets | $48,824,500 | 6,560 |
| Average earning assets | $45,535,000 | 6,502 |
| Average equity | $6,030,500 | 6,236 |
| Average total loans | $21,249,000 | 6,783 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 5,232 |
| Cost of funding earning assets | 0.9501% | 5,936 |
| Net interest margin | 3.8991% | 3,496 |
| Noninterest income to average assets | 0.4389% | 4,601 |
| Noninterest expense to average assets | 3.0308% | 3,727 |
| Loan and lease loss provision to assets | 0.9465% | 1,724 |
| Net operating income to assets | 0.1435% | 5,461 |
| Return on assets (ROA) | 0.1435% | 5,614 |
| Pretax return on assets | 0.0811% | 5,740 |
| Return on Equity (ROE) | 1.0876% | 5,668 |
| Retained earnings to average equity (ytd only) | -2.0806% | 5,977 |
| Net charge-offs to loans | 1.5706% | 1,388 |
| Credit loss provision to net charge-offs | 119.4226% | 3,549 |
| Earnings coverage of net charge-offs (x) | 1.2966% | 4,803 |
| Efficiency ratio | 74.6797% | 3,260 |
| Assets per employee ($millions) | 2.6088% | 6,844 |
| Cash dividends to net income (ytd only)* | 291.3043% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9899% | 2,331 |
| Loan loss allowance to noncurrent loans | 15.1559% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 5.6630% | 1,083 |
| Noncurrent loans to loans | 13.1298% | 229 |
| Net loans and leases to total assets | 42.0320% | 6,847 |
| Net loans and leases to deposits | 47.8623% | 6,955 |
| Net loans and leases to core deposits | 48.1444% | 7,063 |
| Total domestic deposits to total assets | 87.8185% | 2,358 |
| Equity capital to assets | 12.0383% | 1,894 |
| Core capital (leverage) ratio | 12.1595% | 1,455 |
| Tier 1 risk-based capital ratio | 22.8803% | 1,054 |
| Total risk-based capital ratio | 24.1338% | 1,035 |
| Memoranda: | ||
| Average total assets | $48,073,000 | 6,600 |
| Average earning assets | $44,625,400 | 6,558 |
| Average equity | $6,344,400 | 6,255 |
| Average total loans | $24,258,200 | 6,716 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0847% | 4,403 |
| Cost of funding earning assets | 0.9699% | 6,080 |
| Net interest margin | 4.1147% | 2,553 |
| Noninterest income to average assets | 0.4389% | 4,645 |
| Noninterest expense to average assets | 3.0999% | 3,338 |
| Loan and lease loss provision to assets | 1.2718% | 1,111 |
| Net operating income to assets | -0.1146% | 6,199 |
| Return on assets (ROA) | -0.1146% | 6,287 |
| Pretax return on assets | -0.1146% | 6,235 |
| Return on Equity (ROE) | -0.8491% | 6,266 |
| Retained earnings to average equity (ytd only) | -0.8491% | 5,987 |
| Net charge-offs to loans | 0.0587% | 5,924 |
| Credit loss provision to net charge-offs | 4,136.3636% | 69 |
| Earnings coverage of net charge-offs (x) | 37.6271% | 723 |
| Efficiency ratio | 72.8168% | 3,553 |
| Assets per employee ($millions) | 2.5367% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1928% | 699 |
| Loan loss allowance to noncurrent loans | 89.8075% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.8652% | 3,652 |
| Noncurrent loans to loans | 3.5552% | 2,208 |
| Net loans and leases to total assets | 49.8859% | 6,336 |
| Net loans and leases to deposits | 57.8662% | 6,474 |
| Net loans and leases to core deposits | 58.7744% | 6,687 |
| Total domestic deposits to total assets | 86.2090% | 2,970 |
| Equity capital to assets | 13.3118% | 1,444 |
| Core capital (leverage) ratio | 13.0920% | 1,193 |
| Tier 1 risk-based capital ratio | 21.1563% | 1,334 |
| Total risk-based capital ratio | 22.4245% | 1,309 |
| Memoranda: | ||
| Average total assets | $47,699,500 | 6,688 |
| Average earning assets | $44,262,750 | 6,646 |
| Average equity | $6,438,750 | 6,305 |
| Average total loans | $25,008,500 | 6,755 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 4,395 |
| Cost of funding earning assets | 1.0122% | 6,084 |
| Net interest margin | 4.0986% | 2,565 |
| Noninterest income to average assets | 0.4418% | 4,590 |
| Noninterest expense to average assets | 3.1683% | 3,025 |
| Loan and lease loss provision to assets | 0.4250% | 3,199 |
| Net operating income to assets | 0.5091% | 4,283 |
| Return on assets (ROA) | 0.5091% | 4,434 |
| Pretax return on assets | 0.6480% | 4,406 |
| Return on Equity (ROE) | 3.7541% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.7541% | 3,705 |
| Net charge-offs to loans | 0.0399% | 5,813 |
| Credit loss provision to net charge-offs | 2,020.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 583 |
| Efficiency ratio | 74.7024% | 3,331 |
| Assets per employee ($millions) | 2.4782% | 7,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 3,099 |
| Loan loss allowance to noncurrent loans | 47.0402% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 2.0431% | 3,448 |
| Noncurrent loans to loans | 3.6059% | 2,187 |
| Net loans and leases to total assets | 54.7733% | 5,873 |
| Net loans and leases to deposits | 63.9252% | 6,048 |
| Net loans and leases to core deposits | 64.9573% | 6,316 |
| Total domestic deposits to total assets | 85.6833% | 3,272 |
| Equity capital to assets | 13.9259% | 1,193 |
| Core capital (leverage) ratio | 13.3466% | 1,100 |
| Tier 1 risk-based capital ratio | 20.9804% | 1,342 |
| Total risk-based capital ratio | 22.2092% | 1,321 |
| Memoranda: | ||
| Average total assets | $47,533,330 | 6,744 |
| Average earning assets | $44,063,330 | 6,696 |
| Average equity | $6,446,330 | 6,316 |
| Average total loans | $25,065,670 | 6,801 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 5,433 |
| Cost of funding earning assets | 1.0394% | 6,175 |
| Net interest margin | 3.8685% | 3,466 |
| Noninterest income to average assets | 0.3853% | 5,045 |
| Noninterest expense to average assets | 2.9817% | 3,741 |
| Loan and lease loss provision to assets | 0.2596% | 3,959 |
| Net operating income to assets | 0.6449% | 3,691 |
| Return on assets (ROA) | 0.6449% | 3,807 |
| Pretax return on assets | 0.7287% | 4,130 |
| Return on Equity (ROE) | 4.8193% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.8193% | 3,257 |
| Net charge-offs to loans | 0.0490% | 4,913 |
| Credit loss provision to net charge-offs | 1,033.3333% | 450 |
| Earnings coverage of net charge-offs (x) | 39.3333% | 703 |
| Efficiency ratio | 75.1055% | 3,382 |
| Assets per employee ($millions) | 2.4944% | 7,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 3,527 |
| Loan loss allowance to noncurrent loans | 40.6688% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 1.9897% | 3,515 |
| Noncurrent loans to loans | 3.8857% | 2,034 |
| Net loans and leases to total assets | 49.5432% | 6,521 |
| Net loans and leases to deposits | 57.5039% | 6,656 |
| Net loans and leases to core deposits | 57.8653% | 6,888 |
| Total domestic deposits to total assets | 86.1562% | 3,063 |
| Equity capital to assets | 13.6180% | 1,280 |
| Core capital (leverage) ratio | 13.0124% | 1,209 |
| Tier 1 risk-based capital ratio | 21.7845% | 1,226 |
| Total risk-based capital ratio | 22.9878% | 1,223 |
| Memoranda: | ||
| Average total assets | $47,757,500 | 6,815 |
| Average earning assets | $44,255,000 | 6,766 |
| Average equity | $6,391,000 | 6,386 |
| Average total loans | $24,481,000 | 6,911 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4796% | 4,257 |
| Cost of funding earning assets | 1.2847% | 6,362 |
| Net interest margin | 4.1949% | 2,081 |
| Noninterest income to average assets | 0.5395% | 4,113 |
| Noninterest expense to average assets | 3.1259% | 3,631 |
| Loan and lease loss provision to assets | 0.1066% | 6,574 |
| Net operating income to assets | 0.9514% | 2,001 |
| Return on assets (ROA) | 0.9531% | 2,051 |
| Pretax return on assets | 1.1663% | 2,042 |
| Return on Equity (ROE) | 7.1708% | 2,724 |
| Retained earnings to average equity (ytd only) | 3.8822% | 2,495 |
| Net charge-offs to loans | 0.0480% | 6,619 |
| Credit loss provision to net charge-offs | 416.6667% | 755 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 519 |
| Efficiency ratio | 71.0960% | 4,430 |
| Assets per employee ($millions) | 2.5327% | 7,143 |
| Cash dividends to net income (ytd only)* | 45.8613% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,285 |
| Loan loss allowance to noncurrent loans | 38.5210% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 1.9160% | 3,508 |
| Noncurrent loans to loans | 3.6088% | 2,091 |
| Net loans and leases to total assets | 51.4442% | 6,483 |
| Net loans and leases to deposits | 59.4353% | 6,673 |
| Net loans and leases to core deposits | 69.7785% | 6,787 |
| Total domestic deposits to total assets | 86.5550% | 2,730 |
| Equity capital to assets | 13.1499% | 1,447 |
| Core capital (leverage) ratio | 12.8702% | 1,290 |
| Tier 1 risk-based capital ratio | 21.4223% | 1,233 |
| Total risk-based capital ratio | 22.6030% | 1,213 |
| Memoranda: | ||
| Average total assets | $46,899,200 | 6,831 |
| Average earning assets | $43,123,400 | 6,810 |
| Average equity | $6,233,600 | 6,522 |
| Average total loans | $24,979,200 | 6,917 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5836% | 3,953 |
| Cost of funding earning assets | 1.3228% | 6,481 |
| Net interest margin | 4.2609% | 1,838 |
| Noninterest income to average assets | 0.5637% | 3,982 |
| Noninterest expense to average assets | 3.1134% | 3,606 |
| Loan and lease loss provision to assets | 0.1431% | 5,924 |
| Net operating income to assets | 1.0363% | 1,948 |
| Return on assets (ROA) | 1.0388% | 2,002 |
| Pretax return on assets | 1.2276% | 2,171 |
| Return on Equity (ROE) | 7.7937% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.7937% | 1,203 |
| Net charge-offs to loans | 0.0748% | 5,942 |
| Credit loss provision to net charge-offs | 357.1429% | 1,149 |
| Earnings coverage of net charge-offs (x) | 34.1360% | 843 |
| Efficiency ratio | 69.4764% | 4,699 |
| Assets per employee ($millions) | 2.2549% | 7,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 4,877 |
| Loan loss allowance to noncurrent loans | 867.5000% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 7,250 |
| Noncurrent loans to loans | 0.1434% | 7,118 |
| Net loans and leases to total assets | 58.1568% | 5,867 |
| Net loans and leases to deposits | 67.9355% | 6,128 |
| Net loans and leases to core deposits | 82.1104% | 6,176 |
| Total domestic deposits to total assets | 85.6060% | 2,914 |
| Equity capital to assets | 13.8534% | 1,356 |
| Core capital (leverage) ratio | 13.5323% | 1,226 |
| Tier 1 risk-based capital ratio | 20.4552% | 1,468 |
| Total risk-based capital ratio | 21.5551% | 1,452 |
| Memoranda: | ||
| Average total assets | $46,593,500 | 6,892 |
| Average earning assets | $42,838,500 | 6,873 |
| Average equity | $6,210,000 | 6,592 |
| Average total loans | $24,947,750 | 6,981 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4895% | 4,694 |
| Cost of funding earning assets | 1.3853% | 6,531 |
| Net interest margin | 4.1041% | 2,307 |
| Noninterest income to average assets | 0.5740% | 3,878 |
| Noninterest expense to average assets | 3.1333% | 3,568 |
| Loan and lease loss provision to assets | 0.1726% | 5,339 |
| Net operating income to assets | 0.8823% | 2,525 |
| Return on assets (ROA) | 0.8934% | 2,590 |
| Pretax return on assets | 1.0401% | 2,844 |
| Return on Equity (ROE) | 6.7943% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.7943% | 1,667 |
| Net charge-offs to loans | -0.0083% | 7,585 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3108% | 4,344 |
| Assets per employee ($millions) | 2.2168% | 7,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 4,167 |
| Loan loss allowance to noncurrent loans | 419.0476% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 7,088 |
| Noncurrent loans to loans | 0.3147% | 6,722 |
| Net loans and leases to total assets | 56.5721% | 6,146 |
| Net loans and leases to deposits | 65.5499% | 6,432 |
| Net loans and leases to core deposits | 79.5193% | 6,445 |
| Total domestic deposits to total assets | 86.3038% | 2,624 |
| Equity capital to assets | 13.3439% | 1,544 |
| Core capital (leverage) ratio | 13.2157% | 1,359 |
| Tier 1 risk-based capital ratio | 20.7808% | 1,433 |
| Total risk-based capital ratio | 21.9424% | 1,408 |
| Memoranda: | ||
| Average total assets | $46,340,330 | 6,968 |
| Average earning assets | $42,445,000 | 6,949 |
| Average equity | $6,093,330 | 6,687 |
| Average total loans | $23,968,330 | 7,089 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3797% | 5,529 |
| Cost of funding earning assets | 1.4333% | 6,626 |
| Net interest margin | 3.9464% | 2,861 |
| Noninterest income to average assets | 0.6316% | 3,342 |
| Noninterest expense to average assets | 3.0886% | 3,416 |
| Loan and lease loss provision to assets | 0.1817% | 4,628 |
| Net operating income to assets | 0.8825% | 2,779 |
| Return on assets (ROA) | 0.8825% | 2,922 |
| Pretax return on assets | 0.9344% | 3,586 |
| Return on Equity (ROE) | 6.7617% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.7617% | 2,306 |
| Net charge-offs to loans | -0.0177% | 7,408 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4568% | 3,925 |
| Assets per employee ($millions) | 2.3034% | 7,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 3,219 |
| Loan loss allowance to noncurrent loans | 172.5389% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 6,300 |
| Noncurrent loans to loans | 0.8415% | 5,336 |
| Net loans and leases to total assets | 46.7284% | 7,130 |
| Net loans and leases to deposits | 53.6493% | 7,312 |
| Net loans and leases to core deposits | 62.8874% | 7,359 |
| Total domestic deposits to total assets | 87.0997% | 2,167 |
| Equity capital to assets | 12.6749% | 1,899 |
| Core capital (leverage) ratio | 13.3575% | 1,369 |
| Tier 1 risk-based capital ratio | 22.5738% | 1,235 |
| Total risk-based capital ratio | 23.7878% | 1,211 |
| Memoranda: | ||
| Average total assets | $46,234,000 | 7,019 |
| Average earning assets | $41,861,000 | 7,027 |
| Average equity | $6,034,000 | 6,746 |
| Average total loans | $22,608,500 | 7,206 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8342% | 6,317 |
| Cost of funding earning assets | 1.8399% | 6,899 |
| Net interest margin | 3.9943% | 3,145 |
| Noninterest income to average assets | 0.6924% | 3,168 |
| Noninterest expense to average assets | 3.3059% | 2,944 |
| Loan and lease loss provision to assets | 0.1845% | 5,051 |
| Net operating income to assets | 0.8965% | 3,009 |
| Return on assets (ROA) | 0.4667% | 4,700 |
| Pretax return on assets | 0.4667% | 5,077 |
| Return on Equity (ROE) | 3.5543% | 5,015 |
| Retained earnings to average equity (ytd only) | 0.1488% | 5,137 |
| Net charge-offs to loans | 0.1045% | 5,263 |
| Credit loss provision to net charge-offs | 354.1667% | 1,268 |
| Earnings coverage of net charge-offs (x) | 20.7500% | 1,561 |
| Efficiency ratio | 75.3587% | 3,348 |
| Assets per employee ($millions) | 2.2049% | 7,700 |
| Cash dividends to net income (ytd only)* | 95.8140% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 3,222 |
| Loan loss allowance to noncurrent loans | 634.6939% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 7,132 |
| Noncurrent loans to loans | 0.2199% | 6,732 |
| Net loans and leases to total assets | 49.8220% | 7,044 |
| Net loans and leases to deposits | 57.7611% | 7,221 |
| Net loans and leases to core deposits | 70.3107% | 7,170 |
| Total domestic deposits to total assets | 86.2553% | 2,286 |
| Equity capital to assets | 13.4635% | 1,607 |
| Core capital (leverage) ratio | 13.0513% | 1,526 |
| Tier 1 risk-based capital ratio | 23.1691% | 1,171 |
| Total risk-based capital ratio | 24.3523% | 1,155 |
| Memoranda: | ||
| Average total assets | $46,069,600 | 6,934 |
| Average earning assets | $42,611,000 | 6,921 |
| Average equity | $6,049,000 | 6,788 |
| Average total loans | $22,977,200 | 7,139 |