Home > Home National Bank > Performance and Condition Ratios
Home National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 853 |
| Cost of funding earning assets | 1.2968% | 2,525 |
| Net interest margin | 4.4880% | 630 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 3.5601% | 540 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.9373% | 2,416 |
| Return on assets (ROA) | 0.9084% | 2,490 |
| Pretax return on assets | 0.9084% | 2,942 |
| Return on Equity (ROE) | 10.7400% | 2,298 |
| Retained earnings to average equity (ytd only) | 2.7633% | 3,354 |
| Net charge-offs to loans | 0.2245% | 486 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 7.8246% | 2,380 |
| Efficiency ratio | 76.8131% | 1,182 |
| Assets per employee ($millions) | 3.9773% | 4,167 |
| Cash dividends to net income (ytd only)* | 74.2706% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 491 |
| Loan loss allowance to noncurrent loans | 79.5417% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.4631% | 264 |
| Noncurrent loans to loans | 2.3243% | 222 |
| Net loans and leases to total assets | 61.7800% | 2,693 |
| Net loans and leases to deposits | 71.3705% | 2,793 |
| Net loans and leases to core deposits | 87.3339% | 2,225 |
| Total domestic deposits to total assets | 86.5700% | 1,824 |
| Equity capital to assets | 9.0465% | 2,644 |
| Core capital (leverage) ratio | 11.7864% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $83,004,000 | 3,993 |
| Average earning assets | $75,645,600 | 3,971 |
| Average equity | $7,020,600 | 4,048 |
| Average total loans | $50,782,600 | 3,836 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6285% | 876 |
| Cost of funding earning assets | 1.1169% | 2,694 |
| Net interest margin | 4.5116% | 604 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 3.5539% | 516 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.9669% | 2,462 |
| Return on assets (ROA) | 0.9669% | 2,455 |
| Pretax return on assets | 0.9669% | 2,942 |
| Return on Equity (ROE) | 11.6400% | 2,217 |
| Retained earnings to average equity (ytd only) | 3.2332% | 3,457 |
| Net charge-offs to loans | 0.2675% | 329 |
| Credit loss provision to net charge-offs | 95.0495% | 1,664 |
| Earnings coverage of net charge-offs (x) | 6.9010% | 2,262 |
| Efficiency ratio | 76.0151% | 1,166 |
| Assets per employee ($millions) | 4.5882% | 3,886 |
| Cash dividends to net income (ytd only)* | 72.2130% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 522 |
| Loan loss allowance to noncurrent loans | 80.3661% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3788% | 291 |
| Noncurrent loans to loans | 2.3005% | 225 |
| Net loans and leases to total assets | 58.8300% | 2,958 |
| Net loans and leases to deposits | 67.3341% | 3,027 |
| Net loans and leases to core deposits | 77.0779% | 2,793 |
| Total domestic deposits to total assets | 87.3700% | 1,777 |
| Equity capital to assets | 7.7740% | 3,196 |
| Core capital (leverage) ratio | 11.6727% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $82,874,000 | 4,009 |
| Average earning assets | $75,565,750 | 3,990 |
| Average equity | $6,886,750 | 4,058 |
| Average total loans | $50,334,500 | 3,849 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 806 |
| Cost of funding earning assets | 0.9240% | 2,851 |
| Net interest margin | 4.5958% | 530 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 3.6051% | 474 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.0167% | 2,373 |
| Return on assets (ROA) | 1.0167% | 2,363 |
| Pretax return on assets | 1.0167% | 2,867 |
| Return on Equity (ROE) | 11.9600% | 2,168 |
| Retained earnings to average equity (ytd only) | -0.5778% | 4,169 |
| Net charge-offs to loans | 0.3743% | 222 |
| Credit loss provision to net charge-offs | 60.2151% | 1,628 |
| Earnings coverage of net charge-offs (x) | 5.0538% | 2,192 |
| Efficiency ratio | 75.7482% | 1,194 |
| Assets per employee ($millions) | 4.1278% | 4,131 |
| Cash dividends to net income (ytd only)* | 104.8309% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8201% | 580 |
| Loan loss allowance to noncurrent loans | 64.3496% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7600% | 172 |
| Noncurrent loans to loans | 2.8284% | 154 |
| Net loans and leases to total assets | 61.0900% | 2,661 |
| Net loans and leases to deposits | 67.5488% | 2,943 |
| Net loans and leases to core deposits | 77.0957% | 2,681 |
| Total domestic deposits to total assets | 90.4400% | 803 |
| Equity capital to assets | 8.3616% | 2,980 |
| Core capital (leverage) ratio | 11.8122% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $81,440,333 | 4,033 |
| Average earning assets | $74,023,333 | 4,027 |
| Average equity | $6,923,333 | 4,083 |
| Average total loans | $49,696,333 | 3,867 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4134% | 702 |
| Cost of funding earning assets | 0.6814% | 3,115 |
| Net interest margin | 4.7320% | 419 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 3.6794% | 449 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.9891% | 2,563 |
| Return on assets (ROA) | 0.9891% | 2,527 |
| Pretax return on assets | 0.9891% | 3,027 |
| Return on Equity (ROE) | 11.5400% | 2,341 |
| Retained earnings to average equity (ytd only) | -7.7306% | 4,424 |
| Net charge-offs to loans | 0.5895% | 139 |
| Credit loss provision to net charge-offs | 38.8889% | 1,321 |
| Earnings coverage of net charge-offs (x) | 3.1667% | 1,897 |
| Efficiency ratio | 76.5432% | 1,123 |
| Assets per employee ($millions) | 3.7269% | 4,359 |
| Cash dividends to net income (ytd only)* | 167.0000% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 575 |
| Loan loss allowance to noncurrent loans | 63.5802% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.7782% | 157 |
| Noncurrent loans to loans | 2.9373% | 152 |
| Net loans and leases to total assets | 59.4100% | 2,726 |
| Net loans and leases to deposits | 65.9085% | 2,939 |
| Net loans and leases to core deposits | 74.2919% | 2,655 |
| Total domestic deposits to total assets | 90.1400% | 1,110 |
| Equity capital to assets | 8.4156% | 2,957 |
| Core capital (leverage) ratio | 11.9519% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $80,882,500 | 4,091 |
| Average earning assets | $73,373,000 | 4,092 |
| Average equity | $6,933,500 | 4,133 |
| Average total loans | $48,859,000 | 3,923 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 269 |
| Cost of funding earning assets | 0.4170% | 1,968 |
| Net interest margin | 4.6456% | 226 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 3.5650% | 464 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0687% | 2,305 |
| Return on assets (ROA) | 1.0265% | 2,416 |
| Pretax return on assets | 1.0265% | 2,996 |
| Return on Equity (ROE) | 10.8300% | 2,534 |
| Retained earnings to average equity (ytd only) | 3.9550% | 3,414 |
| Net charge-offs to loans | 0.1375% | 585 |
| Credit loss provision to net charge-offs | 175.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 15.2031% | 2,008 |
| Efficiency ratio | 74.6944% | 1,150 |
| Assets per employee ($millions) | 3.6261% | 4,409 |
| Cash dividends to net income (ytd only)* | 63.4825% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9280% | 494 |
| Loan loss allowance to noncurrent loans | 57.9013% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 2.0069% | 120 |
| Noncurrent loans to loans | 3.3299% | 119 |
| Net loans and leases to total assets | 59.1100% | 2,719 |
| Net loans and leases to deposits | 65.2095% | 2,941 |
| Net loans and leases to core deposits | 70.7461% | 2,818 |
| Total domestic deposits to total assets | 90.6400% | 1,088 |
| Equity capital to assets | 8.7334% | 2,541 |
| Core capital (leverage) ratio | 12.2018% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $80,562,000 | 4,125 |
| Average earning assets | $73,381,400 | 4,116 |
| Average equity | $7,636,000 | 4,135 |
| Average total loans | $46,548,800 | 3,951 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 209 |
| Cost of funding earning assets | 0.3799% | 1,440 |
| Net interest margin | 4.6366% | 183 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 3.5578% | 461 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.0335% | 2,348 |
| Return on assets (ROA) | 1.0335% | 2,316 |
| Pretax return on assets | 1.0335% | 2,919 |
| Return on Equity (ROE) | 10.7000% | 2,508 |
| Retained earnings to average equity (ytd only) | 3.8615% | 3,490 |
| Net charge-offs to loans | 0.1242% | 510 |
| Credit loss provision to net charge-offs | 260.4651% | 882 |
| Earnings coverage of net charge-offs (x) | 17.1628% | 1,797 |
| Efficiency ratio | 74.4901% | 1,232 |
| Assets per employee ($millions) | 3.8988% | 4,362 |
| Cash dividends to net income (ytd only)* | 63.8978% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 475 |
| Loan loss allowance to noncurrent loans | 57.4894% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.0141% | 128 |
| Noncurrent loans to loans | 3.5390% | 119 |
| Net loans and leases to total assets | 55.7500% | 2,923 |
| Net loans and leases to deposits | 61.1169% | 3,100 |
| Net loans and leases to core deposits | 66.3783% | 2,929 |
| Total domestic deposits to total assets | 91.2200% | 1,151 |
| Equity capital to assets | 8.1222% | 2,821 |
| Core capital (leverage) ratio | 11.8986% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $80,759,000 | 4,151 |
| Average earning assets | $73,701,250 | 4,143 |
| Average equity | $7,803,250 | 4,161 |
| Average total loans | $46,166,000 | 3,982 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 181 |
| Cost of funding earning assets | 0.3407% | 1,360 |
| Net interest margin | 4.6224% | 161 |
| Noninterest income to average assets | 0.5673% | 1,877 |
| Noninterest expense to average assets | 3.5553% | 417 |
| Loan and lease loss provision to assets | 0.1866% | 468 |
| Net operating income to assets | 1.0449% | 1,997 |
| Return on assets (ROA) | 1.0449% | 1,965 |
| Pretax return on assets | 1.0449% | 2,589 |
| Return on Equity (ROE) | 10.2593% | 2,240 |
| Retained earnings to average equity (ytd only) | 0.4885% | 4,096 |
| Net charge-offs to loans | 0.0869% | 634 |
| Credit loss provision to net charge-offs | 375.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,472 |
| Efficiency ratio | 74.2723% | 1,480 |
| Assets per employee ($millions) | 4.0270% | 4,358 |
| Cash dividends to net income (ytd only)* | 95.2381% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 532 |
| Loan loss allowance to noncurrent loans | 49.8399% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 2.3268% | 98 |
| Noncurrent loans to loans | 4.0459% | 91 |
| Net loans and leases to total assets | 56.3503% | 2,716 |
| Net loans and leases to deposits | 62.0203% | 2,886 |
| Net loans and leases to core deposits | 66.6295% | 2,771 |
| Total domestic deposits to total assets | 90.8578% | 1,303 |
| Equity capital to assets | 8.5213% | 2,746 |
| Core capital (leverage) ratio | 11.5933% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,387,333 | 4,197 |
| Average earning assets | $73,382,333 | 4,201 |
| Average equity | $8,187,667 | 4,182 |
| Average total loans | $46,023,000 | 4,027 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 183 |
| Cost of funding earning assets | 0.3328% | 1,346 |
| Net interest margin | 4.5225% | 167 |
| Noninterest income to average assets | 0.4981% | 2,143 |
| Noninterest expense to average assets | 3.5512% | 403 |
| Loan and lease loss provision to assets | 0.1893% | 399 |
| Net operating income to assets | 0.8865% | 2,334 |
| Return on assets (ROA) | 0.8865% | 2,327 |
| Pretax return on assets | 0.8865% | 2,825 |
| Return on Equity (ROE) | 8.0452% | 2,676 |
| Retained earnings to average equity (ytd only) | -5.5141% | 4,435 |
| Net charge-offs to loans | 0.0523% | 768 |
| Credit loss provision to net charge-offs | 633.3333% | 452 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,051 |
| Efficiency ratio | 76.7492% | 1,440 |
| Assets per employee ($millions) | 3.9648% | 4,416 |
| Cash dividends to net income (ytd only)* | 168.5393% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9891% | 628 |
| Loan loss allowance to noncurrent loans | 45.1165% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 2.5437% | 91 |
| Noncurrent loans to loans | 4.4088% | 80 |
| Net loans and leases to total assets | 56.5471% | 2,476 |
| Net loans and leases to deposits | 63.5329% | 2,568 |
| Net loans and leases to core deposits | 67.9163% | 2,462 |
| Total domestic deposits to total assets | 89.0044% | 2,079 |
| Equity capital to assets | 10.1381% | 1,801 |
| Core capital (leverage) ratio | 11.5915% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,311,500 | 4,221 |
| Average earning assets | $73,322,500 | 4,221 |
| Average equity | $8,850,000 | 4,173 |
| Average total loans | $45,875,500 | 4,042 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 243 |
| Cost of funding earning assets | 0.3981% | 1,557 |
| Net interest margin | 4.6761% | 210 |
| Noninterest income to average assets | 0.5054% | 2,540 |
| Noninterest expense to average assets | 3.4002% | 548 |
| Loan and lease loss provision to assets | 0.2553% | 359 |
| Net operating income to assets | 1.1079% | 2,266 |
| Return on assets (ROA) | 1.1079% | 2,324 |
| Pretax return on assets | 1.1079% | 2,941 |
| Return on Equity (ROE) | 8.9771% | 2,922 |
| Retained earnings to average equity (ytd only) | 3.5474% | 3,405 |
| Net charge-offs to loans | 0.0886% | 927 |
| Credit loss provision to net charge-offs | 487.8049% | 817 |
| Earnings coverage of net charge-offs (x) | 26.0488% | 1,710 |
| Efficiency ratio | 71.3826% | 1,576 |
| Assets per employee ($millions) | 3.6967% | 4,532 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 711 |
| Loan loss allowance to noncurrent loans | 45.8290% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 2.3584% | 121 |
| Noncurrent loans to loans | 4.1694% | 98 |
| Net loans and leases to total assets | 55.4827% | 2,682 |
| Net loans and leases to deposits | 63.4213% | 2,740 |
| Net loans and leases to core deposits | 67.7533% | 2,675 |
| Total domestic deposits to total assets | 87.4828% | 2,285 |
| Equity capital to assets | 11.8827% | 1,304 |
| Core capital (leverage) ratio | 12.5986% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,348,800 | 4,241 |
| Average earning assets | $71,341,600 | 4,246 |
| Average equity | $9,669,000 | 4,172 |
| Average total loans | $46,290,000 | 4,065 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 245 |
| Cost of funding earning assets | 0.4118% | 1,610 |
| Net interest margin | 4.7041% | 224 |
| Noninterest income to average assets | 0.5429% | 2,446 |
| Noninterest expense to average assets | 3.4052% | 526 |
| Loan and lease loss provision to assets | 0.2577% | 349 |
| Net operating income to assets | 1.1580% | 2,333 |
| Return on assets (ROA) | 1.1580% | 2,393 |
| Pretax return on assets | 1.1580% | 3,052 |
| Return on Equity (ROE) | 9.2929% | 3,006 |
| Retained earnings to average equity (ytd only) | 3.7778% | 3,648 |
| Net charge-offs to loans | 0.0719% | 930 |
| Credit loss provision to net charge-offs | 600.0000% | 701 |
| Earnings coverage of net charge-offs (x) | 32.9600% | 1,477 |
| Efficiency ratio | 70.6344% | 1,535 |
| Assets per employee ($millions) | 3.7083% | 4,572 |
| Cash dividends to net income (ytd only)* | 59.3472% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 973 |
| Loan loss allowance to noncurrent loans | 39.7176% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 2.6231% | 116 |
| Noncurrent loans to loans | 4.4776% | 96 |
| Net loans and leases to total assets | 57.1376% | 2,595 |
| Net loans and leases to deposits | 65.5400% | 2,674 |
| Net loans and leases to core deposits | 69.7219% | 2,622 |
| Total domestic deposits to total assets | 87.1798% | 2,277 |
| Equity capital to assets | 12.1277% | 1,341 |
| Core capital (leverage) ratio | 11.8701% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,604,000 | 4,302 |
| Average earning assets | $70,574,500 | 4,311 |
| Average equity | $9,670,250 | 4,226 |
| Average total loans | $46,362,000 | 4,125 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2075% | 253 |
| Cost of funding earning assets | 0.4248% | 1,700 |
| Net interest margin | 4.7827% | 226 |
| Noninterest income to average assets | 0.5742% | 2,320 |
| Noninterest expense to average assets | 3.4768% | 478 |
| Loan and lease loss provision to assets | 0.2622% | 369 |
| Net operating income to assets | 1.1747% | 2,281 |
| Return on assets (ROA) | 1.1747% | 2,347 |
| Pretax return on assets | 1.1747% | 2,979 |
| Return on Equity (ROE) | 9.3375% | 2,999 |
| Retained earnings to average equity (ytd only) | 1.0005% | 4,340 |
| Net charge-offs to loans | 0.0435% | 1,201 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 54.8000% | 1,019 |
| Efficiency ratio | 70.7577% | 1,549 |
| Assets per employee ($millions) | 3.5574% | 4,648 |
| Cash dividends to net income (ytd only)* | 89.2857% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 1,059 |
| Loan loss allowance to noncurrent loans | 36.3473% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.8405% | 103 |
| Noncurrent loans to loans | 4.6750% | 97 |
| Net loans and leases to total assets | 59.7263% | 2,457 |
| Net loans and leases to deposits | 68.6237% | 2,556 |
| Net loans and leases to core deposits | 73.1983% | 2,498 |
| Total domestic deposits to total assets | 87.0346% | 2,296 |
| Equity capital to assets | 12.2627% | 1,238 |
| Core capital (leverage) ratio | 11.7245% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,278,000 | 4,345 |
| Average earning assets | $69,208,333 | 4,352 |
| Average equity | $9,595,667 | 4,252 |
| Average total loans | $45,996,667 | 4,152 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0528% | 328 |
| Cost of funding earning assets | 0.4572% | 1,668 |
| Net interest margin | 4.5955% | 316 |
| Noninterest income to average assets | 0.5101% | 2,565 |
| Noninterest expense to average assets | 3.5385% | 443 |
| Loan and lease loss provision to assets | 0.2657% | 372 |
| Net operating income to assets | 0.8713% | 3,205 |
| Return on assets (ROA) | 0.8713% | 3,289 |
| Pretax return on assets | 0.8713% | 3,668 |
| Return on Equity (ROE) | 6.8369% | 3,648 |
| Retained earnings to average equity (ytd only) | -5.6696% | 4,724 |
| Net charge-offs to loans | 0.1858% | 432 |
| Credit loss provision to net charge-offs | 238.0952% | 834 |
| Earnings coverage of net charge-offs (x) | 10.1905% | 1,509 |
| Efficiency ratio | 75.6818% | 1,163 |
| Assets per employee ($millions) | 3.4665% | 4,701 |
| Cash dividends to net income (ytd only)* | 182.9268% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 1,195 |
| Loan loss allowance to noncurrent loans | 33.0101% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 2.9752% | 100 |
| Noncurrent loans to loans | 4.9644% | 82 |
| Net loans and leases to total assets | 58.9486% | 2,681 |
| Net loans and leases to deposits | 67.9802% | 2,709 |
| Net loans and leases to core deposits | 72.9485% | 2,618 |
| Total domestic deposits to total assets | 86.7144% | 2,437 |
| Equity capital to assets | 12.2838% | 1,161 |
| Core capital (leverage) ratio | 11.8282% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,286,000 | 4,374 |
| Average earning assets | $68,240,000 | 4,379 |
| Average equity | $9,595,000 | 4,260 |
| Average total loans | $45,219,500 | 4,183 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4818% | 196 |
| Cost of funding earning assets | 0.6903% | 1,770 |
| Net interest margin | 4.7915% | 175 |
| Noninterest income to average assets | 0.5254% | 2,527 |
| Noninterest expense to average assets | 3.5908% | 609 |
| Loan and lease loss provision to assets | 0.2777% | 1,378 |
| Net operating income to assets | 0.9841% | 2,350 |
| Return on assets (ROA) | 0.9869% | 2,482 |
| Pretax return on assets | 0.9869% | 3,084 |
| Return on Equity (ROE) | 7.7327% | 2,913 |
| Retained earnings to average equity (ytd only) | 2.1332% | 3,765 |
| Net charge-offs to loans | 0.4558% | 359 |
| Credit loss provision to net charge-offs | 98.5507% | 2,855 |
| Earnings coverage of net charge-offs (x) | 4.4783% | 2,978 |
| Efficiency ratio | 73.9972% | 1,445 |
| Assets per employee ($millions) | 3.3777% | 4,697 |
| Cash dividends to net income (ytd only)* | 72.4138% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 1,270 |
| Loan loss allowance to noncurrent loans | 28.3912% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 3.4128% | 87 |
| Noncurrent loans to loans | 5.6691% | 60 |
| Net loans and leases to total assets | 59.2310% | 2,959 |
| Net loans and leases to deposits | 69.6006% | 2,927 |
| Net loans and leases to core deposits | 74.9264% | 2,825 |
| Total domestic deposits to total assets | 85.1014% | 2,719 |
| Equity capital to assets | 13.2178% | 1,021 |
| Core capital (leverage) ratio | 12.0237% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,465,000 | 4,336 |
| Average earning assets | $66,346,800 | 4,350 |
| Average equity | $9,375,800 | 4,266 |
| Average total loans | $45,412,800 | 4,197 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5028% | 230 |
| Cost of funding earning assets | 0.7406% | 1,797 |
| Net interest margin | 4.7622% | 219 |
| Noninterest income to average assets | 0.5242% | 2,506 |
| Noninterest expense to average assets | 3.5801% | 629 |
| Loan and lease loss provision to assets | 0.2785% | 1,443 |
| Net operating income to assets | 0.9610% | 2,485 |
| Return on assets (ROA) | 0.9647% | 2,603 |
| Pretax return on assets | 0.9647% | 3,180 |
| Return on Equity (ROE) | 7.6277% | 2,947 |
| Retained earnings to average equity (ytd only) | 1.8709% | 3,973 |
| Net charge-offs to loans | 0.4475% | 351 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 4.4510% | 2,819 |
| Efficiency ratio | 74.2825% | 1,381 |
| Assets per employee ($millions) | 3.4525% | 4,683 |
| Cash dividends to net income (ytd only)* | 75.4717% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 1,219 |
| Loan loss allowance to noncurrent loans | 29.4501% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 3.2322% | 125 |
| Noncurrent loans to loans | 5.2815% | 94 |
| Net loans and leases to total assets | 60.2462% | 3,205 |
| Net loans and leases to deposits | 71.6500% | 3,167 |
| Net loans and leases to core deposits | 78.2008% | 2,990 |
| Total domestic deposits to total assets | 84.0840% | 2,788 |
| Equity capital to assets | 12.7957% | 1,277 |
| Core capital (leverage) ratio | 12.1554% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,254,000 | 4,348 |
| Average earning assets | $66,074,250 | 4,364 |
| Average equity | $9,264,250 | 4,294 |
| Average total loans | $45,582,500 | 4,217 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5322% | 324 |
| Cost of funding earning assets | 0.8268% | 1,692 |
| Net interest margin | 4.7055% | 337 |
| Noninterest income to average assets | 0.5390% | 2,399 |
| Noninterest expense to average assets | 3.5603% | 688 |
| Loan and lease loss provision to assets | 0.2819% | 1,524 |
| Net operating income to assets | 0.9288% | 2,586 |
| Return on assets (ROA) | 0.9343% | 2,695 |
| Pretax return on assets | 0.9343% | 3,218 |
| Return on Equity (ROE) | 7.4182% | 2,959 |
| Retained earnings to average equity (ytd only) | -1.3607% | 4,524 |
| Net charge-offs to loans | 0.4196% | 380 |
| Credit loss provision to net charge-offs | 107.3684% | 2,354 |
| Earnings coverage of net charge-offs (x) | 4.6105% | 2,584 |
| Efficiency ratio | 74.6234% | 1,406 |
| Assets per employee ($millions) | 3.2734% | 4,754 |
| Cash dividends to net income (ytd only)* | 118.3432% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,042 |
| Loan loss allowance to noncurrent loans | 32.3295% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.9991% | 155 |
| Noncurrent loans to loans | 4.9038% | 113 |
| Net loans and leases to total assets | 60.1902% | 3,298 |
| Net loans and leases to deposits | 69.5297% | 3,457 |
| Net loans and leases to core deposits | 76.2472% | 3,264 |
| Total domestic deposits to total assets | 86.5676% | 1,783 |
| Equity capital to assets | 12.6368% | 1,322 |
| Core capital (leverage) ratio | 11.8979% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,353,667 | 4,363 |
| Average earning assets | $65,073,333 | 4,389 |
| Average equity | $9,112,667 | 4,328 |
| Average total loans | $45,282,333 | 4,232 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8122% | 213 |
| Cost of funding earning assets | 0.9509% | 1,643 |
| Net interest margin | 4.8613% | 247 |
| Noninterest income to average assets | 0.4627% | 2,738 |
| Noninterest expense to average assets | 3.6735% | 723 |
| Loan and lease loss provision to assets | 0.2878% | 1,078 |
| Net operating income to assets | 0.8577% | 2,669 |
| Return on assets (ROA) | 0.8690% | 2,727 |
| Pretax return on assets | 0.8690% | 3,227 |
| Return on Equity (ROE) | 6.9120% | 2,988 |
| Retained earnings to average equity (ytd only) | -6.5530% | 4,613 |
| Net charge-offs to loans | 0.2673% | 544 |
| Credit loss provision to net charge-offs | 170.0000% | 1,510 |
| Earnings coverage of net charge-offs (x) | 6.7667% | 1,968 |
| Efficiency ratio | 76.2295% | 1,537 |
| Assets per employee ($millions) | 2.6887% | 4,908 |
| Cash dividends to net income (ytd only)* | 194.8052% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 933 |
| Loan loss allowance to noncurrent loans | 29.1308% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 3.7622% | 112 |
| Noncurrent loans to loans | 5.7000% | 90 |
| Net loans and leases to total assets | 63.0327% | 3,185 |
| Net loans and leases to deposits | 72.8856% | 3,364 |
| Net loans and leases to core deposits | 80.7414% | 3,133 |
| Total domestic deposits to total assets | 86.4817% | 1,791 |
| Equity capital to assets | 12.5570% | 1,698 |
| Core capital (leverage) ratio | 12.3872% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3934% | 707 |
| Memoranda: | ||
| Average total assets | $70,886,500 | 4,397 |
| Average earning assets | $63,521,500 | 4,428 |
| Average equity | $8,912,000 | 4,376 |
| Average total loans | $44,900,500 | 4,251 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0433% | 210 |
| Cost of funding earning assets | 0.8816% | 2,279 |
| Net interest margin | 5.1617% | 205 |
| Noninterest income to average assets | 0.5381% | 2,544 |
| Noninterest expense to average assets | 3.6969% | 767 |
| Loan and lease loss provision to assets | 0.3024% | 552 |
| Net operating income to assets | 1.1562% | 2,229 |
| Return on assets (ROA) | 1.1340% | 2,416 |
| Pretax return on assets | 1.1340% | 3,064 |
| Return on Equity (ROE) | 8.6746% | 2,881 |
| Retained earnings to average equity (ytd only) | 2.6988% | 3,690 |
| Net charge-offs to loans | 0.4800% | 393 |
| Credit loss provision to net charge-offs | 92.7273% | 2,617 |
| Earnings coverage of net charge-offs (x) | 4.4727% | 3,211 |
| Efficiency ratio | 71.7079% | 1,907 |
| Assets per employee ($millions) | 2.9945% | 4,829 |
| Cash dividends to net income (ytd only)* | 68.8889% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 961 |
| Loan loss allowance to noncurrent loans | 27.3036% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 3.8557% | 108 |
| Noncurrent loans to loans | 5.8852% | 71 |
| Net loans and leases to total assets | 61.6004% | 3,440 |
| Net loans and leases to deposits | 72.5945% | 3,467 |
| Net loans and leases to core deposits | 77.3739% | 3,489 |
| Total domestic deposits to total assets | 84.8556% | 2,553 |
| Equity capital to assets | 12.5870% | 1,776 |
| Core capital (leverage) ratio | 12.5221% | 1,481 |
| Tier 1 risk-based capital ratio | 20.3263% | 1,272 |
| Total risk-based capital ratio | 21.5825% | 1,246 |
| Memoranda: | ||
| Average total assets | $67,462,600 | 4,474 |
| Average earning assets | $60,347,800 | 4,506 |
| Average equity | $8,818,800 | 4,405 |
| Average total loans | $45,829,600 | 4,264 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1317% | 192 |
| Cost of funding earning assets | 0.8268% | 2,583 |
| Net interest margin | 5.3048% | 164 |
| Noninterest income to average assets | 0.5143% | 2,639 |
| Noninterest expense to average assets | 3.7089% | 742 |
| Loan and lease loss provision to assets | 0.3074% | 475 |
| Net operating income to assets | 1.2417% | 2,044 |
| Return on assets (ROA) | 1.2417% | 2,125 |
| Pretax return on assets | 1.2417% | 2,842 |
| Return on Equity (ROE) | 9.4040% | 2,712 |
| Retained earnings to average equity (ytd only) | 3.3021% | 3,758 |
| Net charge-offs to loans | 0.4981% | 343 |
| Credit loss provision to net charge-offs | 88.9535% | 2,408 |
| Earnings coverage of net charge-offs (x) | 4.4825% | 3,004 |
| Efficiency ratio | 70.5388% | 2,047 |
| Assets per employee ($millions) | 3.1984% | 4,757 |
| Cash dividends to net income (ytd only)* | 64.8863% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 1,037 |
| Loan loss allowance to noncurrent loans | 26.2600% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 4.0077% | 105 |
| Noncurrent loans to loans | 6.0118% | 75 |
| Net loans and leases to total assets | 63.7045% | 3,314 |
| Net loans and leases to deposits | 77.3045% | 3,171 |
| Net loans and leases to core deposits | 82.6602% | 3,205 |
| Total domestic deposits to total assets | 82.4072% | 3,355 |
| Equity capital to assets | 12.8432% | 1,712 |
| Core capital (leverage) ratio | 13.1210% | 1,295 |
| Tier 1 risk-based capital ratio | 20.5882% | 1,262 |
| Total risk-based capital ratio | 21.8428% | 1,234 |
| Memoranda: | ||
| Average total assets | $66,361,250 | 4,545 |
| Average earning assets | $59,340,750 | 4,583 |
| Average equity | $8,762,000 | 4,459 |
| Average total loans | $46,038,500 | 4,312 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2376% | 160 |
| Cost of funding earning assets | 0.7586% | 2,852 |
| Net interest margin | 5.4790% | 128 |
| Noninterest income to average assets | 0.5690% | 2,292 |
| Noninterest expense to average assets | 3.9245% | 587 |
| Loan and lease loss provision to assets | 0.2122% | 791 |
| Net operating income to assets | 1.3195% | 1,697 |
| Return on assets (ROA) | 1.3133% | 1,791 |
| Pretax return on assets | 1.3133% | 2,512 |
| Return on Equity (ROE) | 9.8497% | 2,459 |
| Retained earnings to average equity (ytd only) | 0.5997% | 4,535 |
| Net charge-offs to loans | 0.5714% | 267 |
| Credit loss provision to net charge-offs | 52.2727% | 2,458 |
| Earnings coverage of net charge-offs (x) | 3.7727% | 2,797 |
| Efficiency ratio | 71.9278% | 1,934 |
| Assets per employee ($millions) | 2.8671% | 4,982 |
| Cash dividends to net income (ytd only)* | 93.9110% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 1,386 |
| Loan loss allowance to noncurrent loans | 27.8465% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 3.7790% | 123 |
| Noncurrent loans to loans | 5.2446% | 93 |
| Net loans and leases to total assets | 69.0657% | 2,667 |
| Net loans and leases to deposits | 82.3968% | 2,683 |
| Net loans and leases to core deposits | 87.0439% | 2,883 |
| Total domestic deposits to total assets | 83.8209% | 2,943 |
| Equity capital to assets | 13.3995% | 1,376 |
| Core capital (leverage) ratio | 13.1771% | 1,224 |
| Tier 1 risk-based capital ratio | 20.1988% | 1,308 |
| Total risk-based capital ratio | 21.4544% | 1,282 |
| Memoranda: | ||
| Average total assets | $65,027,000 | 4,609 |
| Average earning assets | $58,003,000 | 4,648 |
| Average equity | $8,670,330 | 4,487 |
| Average total loans | $46,203,330 | 4,335 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1118% | 185 |
| Cost of funding earning assets | 0.6195% | 3,466 |
| Net interest margin | 5.4923% | 125 |
| Noninterest income to average assets | 0.5266% | 2,400 |
| Noninterest expense to average assets | 3.8966% | 599 |
| Loan and lease loss provision to assets | 0.3159% | 398 |
| Net operating income to assets | 1.2018% | 2,049 |
| Return on assets (ROA) | 1.1894% | 2,144 |
| Pretax return on assets | 1.1894% | 2,845 |
| Return on Equity (ROE) | 8.9432% | 2,833 |
| Retained earnings to average equity (ytd only) | -5.0306% | 4,928 |
| Net charge-offs to loans | 0.9785% | 144 |
| Credit loss provision to net charge-offs | 45.1327% | 2,004 |
| Earnings coverage of net charge-offs (x) | 2.1681% | 2,520 |
| Efficiency ratio | 71.9680% | 2,048 |
| Assets per employee ($millions) | 2.7827% | 5,079 |
| Cash dividends to net income (ytd only)* | 156.2500% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,465 |
| Loan loss allowance to noncurrent loans | 26.8574% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 4.1530% | 108 |
| Noncurrent loans to loans | 5.4457% | 94 |
| Net loans and leases to total assets | 71.1603% | 2,305 |
| Net loans and leases to deposits | 84.9179% | 2,272 |
| Net loans and leases to core deposits | 90.4422% | 2,451 |
| Total domestic deposits to total assets | 83.7989% | 3,118 |
| Equity capital to assets | 13.3949% | 1,249 |
| Core capital (leverage) ratio | 13.2763% | 1,156 |
| Tier 1 risk-based capital ratio | 20.2658% | 1,293 |
| Total risk-based capital ratio | 21.5193% | 1,261 |
| Memoranda: | ||
| Average total assets | $64,569,000 | 4,664 |
| Average earning assets | $57,462,500 | 4,707 |
| Average equity | $8,587,500 | 4,524 |
| Average total loans | $46,195,500 | 4,382 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7655% | 249 |
| Cost of funding earning assets | 0.5304% | 3,179 |
| Net interest margin | 5.2351% | 180 |
| Noninterest income to average assets | 0.5511% | 2,540 |
| Noninterest expense to average assets | 3.8594% | 635 |
| Loan and lease loss provision to assets | 0.3149% | 510 |
| Net operating income to assets | 1.0393% | 2,847 |
| Return on assets (ROA) | 1.0393% | 2,834 |
| Pretax return on assets | 1.0393% | 3,478 |
| Return on Equity (ROE) | 7.7578% | 3,545 |
| Retained earnings to average equity (ytd only) | 0.4114% | 4,875 |
| Net charge-offs to loans | 0.4422% | 412 |
| Credit loss provision to net charge-offs | 102.5641% | 2,462 |
| Earnings coverage of net charge-offs (x) | 4.4103% | 3,300 |
| Efficiency ratio | 74.0260% | 1,624 |
| Assets per employee ($millions) | 2.8320% | 5,078 |
| Cash dividends to net income (ytd only)* | 94.6970% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 1,033 |
| Loan loss allowance to noncurrent loans | 29.0666% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 4.1513% | 104 |
| Noncurrent loans to loans | 5.4991% | 94 |
| Net loans and leases to total assets | 69.7510% | 2,603 |
| Net loans and leases to deposits | 84.1757% | 2,494 |
| Net loans and leases to core deposits | 88.9709% | 2,656 |
| Total domestic deposits to total assets | 82.8635% | 3,377 |
| Equity capital to assets | 13.2062% | 1,252 |
| Core capital (leverage) ratio | 13.4811% | 1,082 |
| Tier 1 risk-based capital ratio | 20.5329% | 1,220 |
| Total risk-based capital ratio | 21.7895% | 1,190 |
| Memoranda: | ||
| Average total assets | $63,507,000 | 4,695 |
| Average earning assets | $56,560,800 | 4,737 |
| Average equity | $8,507,600 | 4,526 |
| Average total loans | $44,097,800 | 4,448 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 263 |
| Cost of funding earning assets | 0.5219% | 3,047 |
| Net interest margin | 5.1593% | 195 |
| Noninterest income to average assets | 0.5536% | 2,549 |
| Noninterest expense to average assets | 3.8245% | 648 |
| Loan and lease loss provision to assets | 0.3043% | 478 |
| Net operating income to assets | 1.0206% | 3,000 |
| Return on assets (ROA) | 1.0206% | 3,016 |
| Pretax return on assets | 1.0206% | 3,660 |
| Return on Equity (ROE) | 7.5905% | 3,714 |
| Retained earnings to average equity (ytd only) | 1.3043% | 4,777 |
| Net charge-offs to loans | 0.4742% | 333 |
| Credit loss provision to net charge-offs | 92.9032% | 2,387 |
| Earnings coverage of net charge-offs (x) | 4.0452% | 3,105 |
| Efficiency ratio | 74.2716% | 1,551 |
| Assets per employee ($millions) | 2.9268% | 5,088 |
| Cash dividends to net income (ytd only)* | 82.8162% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 1,049 |
| Loan loss allowance to noncurrent loans | 27.1021% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 4.2817% | 109 |
| Noncurrent loans to loans | 5.9516% | 83 |
| Net loans and leases to total assets | 68.3942% | 2,879 |
| Net loans and leases to deposits | 80.0549% | 3,040 |
| Net loans and leases to core deposits | 84.5181% | 3,117 |
| Total domestic deposits to total assets | 85.4341% | 2,435 |
| Equity capital to assets | 13.3080% | 1,207 |
| Core capital (leverage) ratio | 13.7115% | 1,023 |
| Tier 1 risk-based capital ratio | 20.3696% | 1,273 |
| Total risk-based capital ratio | 21.6258% | 1,243 |
| Memoranda: | ||
| Average total assets | $63,099,750 | 4,749 |
| Average earning assets | $56,208,250 | 4,798 |
| Average equity | $8,484,000 | 4,575 |
| Average total loans | $43,579,500 | 4,510 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6314% | 264 |
| Cost of funding earning assets | 0.5373% | 2,717 |
| Net interest margin | 5.0941% | 208 |
| Noninterest income to average assets | 0.5585% | 2,531 |
| Noninterest expense to average assets | 3.8711% | 628 |
| Loan and lease loss provision to assets | 0.3064% | 454 |
| Net operating income to assets | 0.9191% | 3,381 |
| Return on assets (ROA) | 0.9191% | 3,384 |
| Pretax return on assets | 0.9191% | 3,914 |
| Return on Equity (ROE) | 6.8120% | 3,958 |
| Retained earnings to average equity (ytd only) | -2.6491% | 5,195 |
| Net charge-offs to loans | 0.4353% | 353 |
| Credit loss provision to net charge-offs | 102.1277% | 1,981 |
| Earnings coverage of net charge-offs (x) | 4.0851% | 2,823 |
| Efficiency ratio | 75.9549% | 1,431 |
| Assets per employee ($millions) | 2.7655% | 5,230 |
| Cash dividends to net income (ytd only)* | 138.8889% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 955 |
| Loan loss allowance to noncurrent loans | 25.6366% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 4.5262% | 111 |
| Noncurrent loans to loans | 6.5138% | 73 |
| Net loans and leases to total assets | 68.0413% | 2,864 |
| Net loans and leases to deposits | 79.2409% | 3,027 |
| Net loans and leases to core deposits | 83.2833% | 3,144 |
| Total domestic deposits to total assets | 85.8663% | 2,338 |
| Equity capital to assets | 13.2171% | 1,220 |
| Core capital (leverage) ratio | 13.4052% | 1,096 |
| Tier 1 risk-based capital ratio | 19.9319% | 1,329 |
| Total risk-based capital ratio | 21.1891% | 1,301 |
| Memoranda: | ||
| Average total assets | $62,669,670 | 4,813 |
| Average earning assets | $55,829,670 | 4,860 |
| Average equity | $8,455,670 | 4,623 |
| Average total loans | $43,185,670 | 4,561 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 287 |
| Cost of funding earning assets | 0.5486% | 2,416 |
| Net interest margin | 4.9298% | 260 |
| Noninterest income to average assets | 0.5723% | 2,409 |
| Noninterest expense to average assets | 3.8649% | 617 |
| Loan and lease loss provision to assets | 0.3087% | 416 |
| Net operating income to assets | 0.7910% | 3,739 |
| Return on assets (ROA) | 0.7910% | 3,744 |
| Pretax return on assets | 0.7910% | 4,172 |
| Return on Equity (ROE) | 5.8019% | 4,226 |
| Retained earnings to average equity (ytd only) | -8.3491% | 5,318 |
| Net charge-offs to loans | 0.2806% | 550 |
| Credit loss provision to net charge-offs | 160.0000% | 1,188 |
| Earnings coverage of net charge-offs (x) | 5.7000% | 2,210 |
| Efficiency ratio | 77.8497% | 1,365 |
| Assets per employee ($millions) | 2.8455% | 5,259 |
| Cash dividends to net income (ytd only)* | 243.9024% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7290% | 896 |
| Loan loss allowance to noncurrent loans | 26.7355% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 4.5638% | 114 |
| Noncurrent loans to loans | 6.4671% | 88 |
| Net loans and leases to total assets | 68.1831% | 2,743 |
| Net loans and leases to deposits | 79.4609% | 2,871 |
| Net loans and leases to core deposits | 84.4442% | 2,939 |
| Total domestic deposits to total assets | 85.8072% | 2,631 |
| Equity capital to assets | 13.3366% | 1,100 |
| Core capital (leverage) ratio | 13.7933% | 921 |
| Tier 1 risk-based capital ratio | 20.0047% | 1,344 |
| Total risk-based capital ratio | 21.2621% | 1,313 |
| Memoranda: | ||
| Average total assets | $62,201,000 | 4,889 |
| Average earning assets | $55,418,500 | 4,926 |
| Average equity | $8,480,000 | 4,667 |
| Average total loans | $42,771,500 | 4,621 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7325% | 186 |
| Cost of funding earning assets | 0.5783% | 1,760 |
| Net interest margin | 5.1542% | 178 |
| Noninterest income to average assets | 0.5068% | 2,956 |
| Noninterest expense to average assets | 3.8103% | 688 |
| Loan and lease loss provision to assets | 0.3191% | 533 |
| Net operating income to assets | 0.9538% | 2,428 |
| Return on assets (ROA) | 0.9538% | 2,462 |
| Pretax return on assets | 0.9538% | 3,723 |
| Return on Equity (ROE) | 6.6114% | 3,479 |
| Retained earnings to average equity (ytd only) | 0.5644% | 4,814 |
| Net charge-offs to loans | 0.5785% | 396 |
| Credit loss provision to net charge-offs | 80.3347% | 2,937 |
| Earnings coverage of net charge-offs (x) | 3.2050% | 3,641 |
| Efficiency ratio | 74.9591% | 1,770 |
| Assets per employee ($millions) | 2.8133% | 5,311 |
| Cash dividends to net income (ytd only)* | 91.4634% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,331 |
| Loan loss allowance to noncurrent loans | 25.5074% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 4.2590% | 132 |
| Noncurrent loans to loans | 5.9680% | 89 |
| Net loans and leases to total assets | 66.9990% | 2,967 |
| Net loans and leases to deposits | 78.8091% | 3,029 |
| Net loans and leases to core deposits | 84.7199% | 3,005 |
| Total domestic deposits to total assets | 85.0142% | 2,830 |
| Equity capital to assets | 14.0616% | 893 |
| Core capital (leverage) ratio | 14.1965% | 795 |
| Tier 1 risk-based capital ratio | 21.0378% | 1,141 |
| Total risk-based capital ratio | 22.2930% | 1,115 |
| Memoranda: | ||
| Average total assets | $60,178,200 | 4,963 |
| Average earning assets | $53,432,000 | 5,008 |
| Average equity | $8,682,000 | 4,668 |
| Average total loans | $41,316,400 | 4,686 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7453% | 178 |
| Cost of funding earning assets | 0.5660% | 1,768 |
| Net interest margin | 5.1793% | 170 |
| Noninterest income to average assets | 0.4954% | 3,054 |
| Noninterest expense to average assets | 3.7466% | 723 |
| Loan and lease loss provision to assets | 0.3213% | 477 |
| Net operating income to assets | 1.0220% | 2,461 |
| Return on assets (ROA) | 1.0220% | 2,500 |
| Pretax return on assets | 1.0220% | 3,599 |
| Return on Equity (ROE) | 7.0378% | 3,642 |
| Retained earnings to average equity (ytd only) | 0.8912% | 5,005 |
| Net charge-offs to loans | 0.5253% | 386 |
| Credit loss provision to net charge-offs | 88.8889% | 2,473 |
| Earnings coverage of net charge-offs (x) | 3.7161% | 3,304 |
| Efficiency ratio | 73.6081% | 1,954 |
| Assets per employee ($millions) | 2.6954% | 5,439 |
| Cash dividends to net income (ytd only)* | 87.3364% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 1,216 |
| Loan loss allowance to noncurrent loans | 25.1030% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 4.8166% | 114 |
| Noncurrent loans to loans | 6.4117% | 91 |
| Net loans and leases to total assets | 66.0661% | 3,093 |
| Net loans and leases to deposits | 80.1381% | 2,962 |
| Net loans and leases to core deposits | 86.3452% | 2,933 |
| Total domestic deposits to total assets | 82.4402% | 3,644 |
| Equity capital to assets | 14.1949% | 939 |
| Core capital (leverage) ratio | 14.4041% | 794 |
| Tier 1 risk-based capital ratio | 21.2368% | 1,157 |
| Total risk-based capital ratio | 22.4930% | 1,139 |
| Memoranda: | ||
| Average total assets | $59,749,750 | 5,025 |
| Average earning assets | $53,004,750 | 5,069 |
| Average equity | $8,676,750 | 4,717 |
| Average total loans | $41,118,500 | 4,739 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8535% | 150 |
| Cost of funding earning assets | 0.5796% | 1,576 |
| Net interest margin | 5.2739% | 148 |
| Noninterest income to average assets | 0.5051% | 2,994 |
| Noninterest expense to average assets | 3.6880% | 782 |
| Loan and lease loss provision to assets | 0.3254% | 455 |
| Net operating income to assets | 1.1796% | 1,669 |
| Return on assets (ROA) | 1.1796% | 1,701 |
| Pretax return on assets | 1.1796% | 2,855 |
| Return on Equity (ROE) | 8.0596% | 2,996 |
| Retained earnings to average equity (ytd only) | -1.2043% | 5,258 |
| Net charge-offs to loans | 0.5031% | 390 |
| Credit loss provision to net charge-offs | 93.2039% | 2,107 |
| Earnings coverage of net charge-offs (x) | 4.3107% | 2,948 |
| Efficiency ratio | 71.0183% | 2,509 |
| Assets per employee ($millions) | 3.0221% | 5,251 |
| Cash dividends to net income (ytd only)* | 114.9425% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 1,156 |
| Loan loss allowance to noncurrent loans | 24.6560% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 4.8973% | 112 |
| Noncurrent loans to loans | 6.6880% | 79 |
| Net loans and leases to total assets | 67.2011% | 2,920 |
| Net loans and leases to deposits | 79.4247% | 2,977 |
| Net loans and leases to core deposits | 85.5581% | 2,927 |
| Total domestic deposits to total assets | 84.6098% | 2,977 |
| Equity capital to assets | 14.3859% | 859 |
| Core capital (leverage) ratio | 14.4454% | 756 |
| Tier 1 risk-based capital ratio | 21.6954% | 1,084 |
| Total risk-based capital ratio | 22.9523% | 1,063 |
| Memoranda: | ||
| Average total assets | $59,001,670 | 5,076 |
| Average earning assets | $52,447,330 | 5,116 |
| Average equity | $8,635,670 | 4,746 |
| Average total loans | $40,949,000 | 4,777 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7451% | 170 |
| Cost of funding earning assets | 0.5637% | 1,628 |
| Net interest margin | 5.1814% | 159 |
| Noninterest income to average assets | 0.5285% | 2,776 |
| Noninterest expense to average assets | 3.7816% | 694 |
| Loan and lease loss provision to assets | 0.3294% | 373 |
| Net operating income to assets | 1.0226% | 2,211 |
| Return on assets (ROA) | 1.0226% | 2,266 |
| Pretax return on assets | 1.0226% | 3,274 |
| Return on Equity (ROE) | 6.9254% | 3,434 |
| Retained earnings to average equity (ytd only) | -7.0184% | 5,492 |
| Net charge-offs to loans | 0.5003% | 367 |
| Credit loss provision to net charge-offs | 94.1176% | 1,661 |
| Earnings coverage of net charge-offs (x) | 3.8627% | 2,442 |
| Efficiency ratio | 73.6631% | 2,288 |
| Assets per employee ($millions) | 2.9001% | 5,431 |
| Cash dividends to net income (ytd only)* | 201.3423% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 1,178 |
| Loan loss allowance to noncurrent loans | 26.9898% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 4.8344% | 128 |
| Noncurrent loans to loans | 6.2376% | 105 |
| Net loans and leases to total assets | 68.9712% | 2,536 |
| Net loans and leases to deposits | 82.5148% | 2,448 |
| Net loans and leases to core deposits | 89.2488% | 2,426 |
| Total domestic deposits to total assets | 83.5865% | 3,629 |
| Equity capital to assets | 14.7153% | 709 |
| Core capital (leverage) ratio | 14.7037% | 666 |
| Tier 1 risk-based capital ratio | 22.2610% | 1,058 |
| Total risk-based capital ratio | 23.5188% | 1,035 |
| Memoranda: | ||
| Average total assets | $58,282,000 | 5,147 |
| Average earning assets | $51,800,500 | 5,175 |
| Average equity | $8,606,000 | 4,794 |
| Average total loans | $40,774,500 | 4,823 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9421% | 133 |
| Cost of funding earning assets | 0.5927% | 1,392 |
| Net interest margin | 5.3494% | 139 |
| Noninterest income to average assets | 0.5499% | 2,914 |
| Noninterest expense to average assets | 3.6834% | 905 |
| Loan and lease loss provision to assets | 0.3289% | 544 |
| Net operating income to assets | 1.3003% | 1,209 |
| Return on assets (ROA) | 1.3003% | 1,286 |
| Pretax return on assets | 1.3003% | 2,287 |
| Return on Equity (ROE) | 8.8416% | 2,494 |
| Retained earnings to average equity (ytd only) | 2.7259% | 3,963 |
| Net charge-offs to loans | 0.6342% | 356 |
| Credit loss provision to net charge-offs | 73.5632% | 3,074 |
| Earnings coverage of net charge-offs (x) | 3.6437% | 3,627 |
| Efficiency ratio | 69.3325% | 3,018 |
| Assets per employee ($millions) | 2.9264% | 5,405 |
| Cash dividends to net income (ytd only)* | 69.1700% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 1,176 |
| Loan loss allowance to noncurrent loans | 24.0056% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 5.3343% | 108 |
| Noncurrent loans to loans | 7.0142% | 74 |
| Net loans and leases to total assets | 68.6384% | 2,677 |
| Net loans and leases to deposits | 81.5327% | 2,722 |
| Net loans and leases to core deposits | 89.0692% | 2,583 |
| Total domestic deposits to total assets | 84.1851% | 3,354 |
| Equity capital to assets | 14.7641% | 680 |
| Core capital (leverage) ratio | 14.7390% | 646 |
| Tier 1 risk-based capital ratio | 22.4861% | 1,014 |
| Total risk-based capital ratio | 23.7424% | 1,002 |
| Memoranda: | ||
| Average total assets | $58,369,800 | 5,181 |
| Average earning assets | $51,968,400 | 5,208 |
| Average equity | $8,584,400 | 4,826 |
| Average total loans | $41,154,200 | 4,840 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9863% | 123 |
| Cost of funding earning assets | 0.5958% | 1,365 |
| Net interest margin | 5.3905% | 133 |
| Noninterest income to average assets | 0.5417% | 2,964 |
| Noninterest expense to average assets | 3.6915% | 862 |
| Loan and lease loss provision to assets | 0.3292% | 499 |
| Net operating income to assets | 1.3189% | 1,236 |
| Return on assets (ROA) | 1.3189% | 1,317 |
| Pretax return on assets | 1.3189% | 2,350 |
| Return on Equity (ROE) | 8.9765% | 2,500 |
| Retained earnings to average equity (ytd only) | 2.7536% | 4,240 |
| Net charge-offs to loans | 0.7244% | 256 |
| Credit loss provision to net charge-offs | 64.2857% | 2,864 |
| Earnings coverage of net charge-offs (x) | 3.2187% | 3,452 |
| Efficiency ratio | 69.1353% | 3,023 |
| Assets per employee ($millions) | 2.9711% | 5,411 |
| Cash dividends to net income (ytd only)* | 69.3245% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 1,314 |
| Loan loss allowance to noncurrent loans | 22.2405% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 5.1228% | 139 |
| Noncurrent loans to loans | 7.4478% | 75 |
| Net loans and leases to total assets | 67.6428% | 2,846 |
| Net loans and leases to deposits | 80.3575% | 2,917 |
| Net loans and leases to core deposits | 87.6488% | 2,794 |
| Total domestic deposits to total assets | 84.1773% | 3,157 |
| Equity capital to assets | 14.7372% | 804 |
| Core capital (leverage) ratio | 14.8754% | 659 |
| Tier 1 risk-based capital ratio | 21.7340% | 1,165 |
| Total risk-based capital ratio | 22.9891% | 1,149 |
| Memoranda: | ||
| Average total assets | $58,330,500 | 5,226 |
| Average earning assets | $51,917,500 | 5,259 |
| Average equity | $8,570,250 | 4,873 |
| Average total loans | $41,227,750 | 4,883 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9782% | 127 |
| Cost of funding earning assets | 0.5978% | 1,332 |
| Net interest margin | 5.3804% | 138 |
| Noninterest income to average assets | 0.5624% | 2,836 |
| Noninterest expense to average assets | 3.7470% | 821 |
| Loan and lease loss provision to assets | 0.3312% | 501 |
| Net operating income to assets | 1.2662% | 1,372 |
| Return on assets (ROA) | 1.2662% | 1,488 |
| Pretax return on assets | 1.2662% | 2,534 |
| Return on Equity (ROE) | 8.6272% | 2,681 |
| Retained earnings to average equity (ytd only) | -0.7757% | 5,409 |
| Net charge-offs to loans | 0.8126% | 245 |
| Credit loss provision to net charge-offs | 57.1429% | 2,603 |
| Earnings coverage of net charge-offs (x) | 2.7560% | 3,211 |
| Efficiency ratio | 70.1097% | 2,966 |
| Assets per employee ($millions) | 2.8863% | 5,541 |
| Cash dividends to net income (ytd only)* | 108.9918% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 1,332 |
| Loan loss allowance to noncurrent loans | 21.6498% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 5.4984% | 119 |
| Noncurrent loans to loans | 7.7289% | 76 |
| Net loans and leases to total assets | 69.7294% | 2,518 |
| Net loans and leases to deposits | 83.6997% | 2,502 |
| Net loans and leases to core deposits | 91.6109% | 2,376 |
| Total domestic deposits to total assets | 83.3091% | 3,539 |
| Equity capital to assets | 14.8391% | 772 |
| Core capital (leverage) ratio | 14.1932% | 774 |
| Tier 1 risk-based capital ratio | 22.1104% | 1,123 |
| Total risk-based capital ratio | 23.3692% | 1,108 |
| Memoranda: | ||
| Average total assets | $57,967,000 | 5,290 |
| Average earning assets | $51,520,670 | 5,325 |
| Average equity | $8,508,000 | 4,917 |
| Average total loans | $41,346,670 | 4,922 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8009% | 161 |
| Cost of funding earning assets | 0.5886% | 1,416 |
| Net interest margin | 5.2123% | 175 |
| Noninterest income to average assets | 0.6060% | 2,495 |
| Noninterest expense to average assets | 3.8012% | 776 |
| Loan and lease loss provision to assets | 0.3305% | 459 |
| Net operating income to assets | 1.1087% | 1,867 |
| Return on assets (ROA) | 1.1087% | 1,972 |
| Pretax return on assets | 1.1087% | 3,063 |
| Return on Equity (ROE) | 7.5952% | 3,132 |
| Retained earnings to average equity (ytd only) | -6.5574% | 5,697 |
| Net charge-offs to loans | 1.0493% | 177 |
| Credit loss provision to net charge-offs | 44.0367% | 2,108 |
| Earnings coverage of net charge-offs (x) | 1.9174% | 2,753 |
| Efficiency ratio | 72.5361% | 2,719 |
| Assets per employee ($millions) | 2.8813% | 5,613 |
| Cash dividends to net income (ytd only)* | 186.3354% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 1,403 |
| Loan loss allowance to noncurrent loans | 29.4666% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 4.1162% | 238 |
| Noncurrent loans to loans | 5.7151% | 156 |
| Net loans and leases to total assets | 70.5116% | 2,266 |
| Net loans and leases to deposits | 85.8903% | 2,071 |
| Net loans and leases to core deposits | 94.1385% | 1,978 |
| Total domestic deposits to total assets | 82.0949% | 4,195 |
| Equity capital to assets | 14.6392% | 793 |
| Core capital (leverage) ratio | 14.2027% | 763 |
| Tier 1 risk-based capital ratio | 21.7206% | 1,201 |
| Total risk-based capital ratio | 22.9784% | 1,183 |
| Memoranda: | ||
| Average total assets | $58,087,500 | 5,337 |
| Average earning assets | $51,647,000 | 5,373 |
| Average equity | $8,479,000 | 4,956 |
| Average total loans | $41,551,500 | 4,949 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2132% | 108 |
| Cost of funding earning assets | 0.7119% | 773 |
| Net interest margin | 5.5013% | 119 |
| Noninterest income to average assets | 0.7114% | 2,151 |
| Noninterest expense to average assets | 3.9221% | 740 |
| Loan and lease loss provision to assets | 0.3204% | 512 |
| Net operating income to assets | 1.4073% | 1,026 |
| Return on assets (ROA) | 1.4073% | 1,069 |
| Pretax return on assets | 1.4073% | 1,875 |
| Return on Equity (ROE) | 9.7324% | 2,113 |
| Retained earnings to average equity (ytd only) | 2.2872% | 4,424 |
| Net charge-offs to loans | 0.3752% | 773 |
| Credit loss provision to net charge-offs | 120.0000% | 2,147 |
| Earnings coverage of net charge-offs (x) | 6.4710% | 3,220 |
| Efficiency ratio | 69.4207% | 3,318 |
| Assets per employee ($millions) | 2.7880% | 5,714 |
| Cash dividends to net income (ytd only)* | 76.4994% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 1,108 |
| Loan loss allowance to noncurrent loans | 39.3656% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 3.3015% | 376 |
| Noncurrent loans to loans | 4.6033% | 227 |
| Net loans and leases to total assets | 70.0559% | 2,355 |
| Net loans and leases to deposits | 86.1883% | 2,109 |
| Net loans and leases to core deposits | 94.9599% | 1,945 |
| Total domestic deposits to total assets | 81.2823% | 4,406 |
| Equity capital to assets | 14.5553% | 755 |
| Core capital (leverage) ratio | 14.1785% | 779 |
| Tier 1 risk-based capital ratio | 22.3937% | 1,101 |
| Total risk-based capital ratio | 23.6530% | 1,081 |
| Memoranda: | ||
| Average total assets | $58,055,400 | 5,363 |
| Average earning assets | $52,115,000 | 5,383 |
| Average equity | $8,394,600 | 4,980 |
| Average total loans | $41,306,200 | 4,955 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1121% | 119 |
| Cost of funding earning assets | 0.7285% | 718 |
| Net interest margin | 5.3836% | 146 |
| Noninterest income to average assets | 0.6720% | 2,377 |
| Noninterest expense to average assets | 3.9402% | 706 |
| Loan and lease loss provision to assets | 0.3176% | 446 |
| Net operating income to assets | 1.2612% | 1,450 |
| Return on assets (ROA) | 1.2612% | 1,510 |
| Pretax return on assets | 1.2612% | 2,549 |
| Return on Equity (ROE) | 8.7370% | 2,713 |
| Retained earnings to average equity (ytd only) | 2.3596% | 4,703 |
| Net charge-offs to loans | 0.3269% | 810 |
| Credit loss provision to net charge-offs | 136.6337% | 1,803 |
| Earnings coverage of net charge-offs (x) | 6.7922% | 3,001 |
| Efficiency ratio | 71.3928% | 2,978 |
| Assets per employee ($millions) | 2.8021% | 5,757 |
| Cash dividends to net income (ytd only)* | 72.9925% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 1,197 |
| Loan loss allowance to noncurrent loans | 32.6068% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 3.9935% | 298 |
| Noncurrent loans to loans | 5.6226% | 160 |
| Net loans and leases to total assets | 69.4282% | 2,472 |
| Net loans and leases to deposits | 84.8759% | 2,297 |
| Net loans and leases to core deposits | 93.3850% | 2,137 |
| Total domestic deposits to total assets | 81.7996% | 4,228 |
| Equity capital to assets | 14.4702% | 867 |
| Core capital (leverage) ratio | 14.3714% | 761 |
| Tier 1 risk-based capital ratio | 22.0004% | 1,196 |
| Total risk-based capital ratio | 23.2598% | 1,173 |
| Memoranda: | ||
| Average total assets | $57,932,000 | 5,431 |
| Average earning assets | $52,157,500 | 5,455 |
| Average equity | $8,362,750 | 5,049 |
| Average total loans | $41,189,250 | 5,014 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1543% | 111 |
| Cost of funding earning assets | 0.7731% | 572 |
| Net interest margin | 5.3811% | 147 |
| Noninterest income to average assets | 0.6594% | 2,423 |
| Noninterest expense to average assets | 3.8836% | 784 |
| Loan and lease loss provision to assets | 0.3123% | 469 |
| Net operating income to assets | 1.3188% | 1,263 |
| Return on assets (ROA) | 1.3188% | 1,313 |
| Pretax return on assets | 1.3188% | 2,293 |
| Return on Equity (ROE) | 9.1434% | 2,459 |
| Retained earnings to average equity (ytd only) | -0.4812% | 5,600 |
| Net charge-offs to loans | 0.4093% | 634 |
| Credit loss provision to net charge-offs | 107.1429% | 1,959 |
| Earnings coverage of net charge-offs (x) | 5.5952% | 2,906 |
| Efficiency ratio | 70.4216% | 3,271 |
| Assets per employee ($millions) | 2.7664% | 5,847 |
| Cash dividends to net income (ytd only)* | 105.2632% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 1,415 |
| Loan loss allowance to noncurrent loans | 34.4633% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 3.6561% | 379 |
| Noncurrent loans to loans | 5.1600% | 213 |
| Net loans and leases to total assets | 69.5946% | 2,383 |
| Net loans and leases to deposits | 82.4349% | 2,502 |
| Net loans and leases to core deposits | 90.5104% | 2,298 |
| Total domestic deposits to total assets | 84.4238% | 3,389 |
| Equity capital to assets | 14.3541% | 863 |
| Core capital (leverage) ratio | 13.9456% | 856 |
| Tier 1 risk-based capital ratio | 21.5975% | 1,268 |
| Total risk-based capital ratio | 22.8565% | 1,249 |
| Memoranda: | ||
| Average total assets | $57,627,670 | 5,499 |
| Average earning assets | $51,996,330 | 5,517 |
| Average equity | $8,312,000 | 5,097 |
| Average total loans | $41,046,330 | 5,067 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8091% | 170 |
| Cost of funding earning assets | 0.7981% | 508 |
| Net interest margin | 5.0110% | 246 |
| Noninterest income to average assets | 0.6551% | 2,381 |
| Noninterest expense to average assets | 3.7913% | 888 |
| Loan and lease loss provision to assets | 0.2927% | 506 |
| Net operating income to assets | 1.1221% | 1,789 |
| Return on assets (ROA) | 1.1221% | 1,894 |
| Pretax return on assets | 1.1221% | 2,989 |
| Return on Equity (ROE) | 7.7604% | 3,091 |
| Retained earnings to average equity (ytd only) | -6.7000% | 6,023 |
| Net charge-offs to loans | 0.3904% | 630 |
| Credit loss provision to net charge-offs | 105.0000% | 1,562 |
| Earnings coverage of net charge-offs (x) | 5.0750% | 2,419 |
| Efficiency ratio | 72.8246% | 3,023 |
| Assets per employee ($millions) | 2.7074% | 5,958 |
| Cash dividends to net income (ytd only)* | 186.3354% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 1,538 |
| Loan loss allowance to noncurrent loans | 26.4727% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 4.8844% | 257 |
| Noncurrent loans to loans | 6.7247% | 138 |
| Net loans and leases to total assets | 70.6464% | 2,048 |
| Net loans and leases to deposits | 84.0733% | 2,061 |
| Net loans and leases to core deposits | 92.5292% | 1,905 |
| Total domestic deposits to total assets | 84.0295% | 3,806 |
| Equity capital to assets | 14.5018% | 831 |
| Core capital (leverage) ratio | 14.0761% | 801 |
| Tier 1 risk-based capital ratio | 21.6183% | 1,298 |
| Total risk-based capital ratio | 22.8757% | 1,270 |
| Memoranda: | ||
| Average total assets | $57,394,000 | 5,558 |
| Average earning assets | $52,125,500 | 5,555 |
| Average equity | $8,298,500 | 5,139 |
| Average total loans | $40,988,000 | 5,105 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0874% | 140 |
| Cost of funding earning assets | 0.9084% | 374 |
| Net interest margin | 5.1790% | 216 |
| Noninterest income to average assets | 0.6805% | 2,392 |
| Noninterest expense to average assets | 3.8269% | 950 |
| Loan and lease loss provision to assets | 0.2492% | 917 |
| Net operating income to assets | 1.3266% | 1,243 |
| Return on assets (ROA) | 1.3438% | 1,248 |
| Pretax return on assets | 1.3438% | 2,094 |
| Return on Equity (ROE) | 9.5021% | 2,342 |
| Retained earnings to average equity (ytd only) | 3.1228% | 4,014 |
| Net charge-offs to loans | 0.4581% | 915 |
| Credit loss provision to net charge-offs | 73.9796% | 2,984 |
| Earnings coverage of net charge-offs (x) | 4.6786% | 3,590 |
| Efficiency ratio | 70.8333% | 3,406 |
| Assets per employee ($millions) | 2.7587% | 5,973 |
| Cash dividends to net income (ytd only)* | 67.1355% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7672% | 1,606 |
| Loan loss allowance to noncurrent loans | 27.8268% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 4.5604% | 333 |
| Noncurrent loans to loans | 6.3507% | 171 |
| Net loans and leases to total assets | 69.6598% | 2,283 |
| Net loans and leases to deposits | 84.3421% | 2,173 |
| Net loans and leases to core deposits | 92.2381% | 2,062 |
| Total domestic deposits to total assets | 82.5920% | 4,222 |
| Equity capital to assets | 14.5478% | 796 |
| Core capital (leverage) ratio | 14.2732% | 755 |
| Tier 1 risk-based capital ratio | 21.6987% | 1,271 |
| Total risk-based capital ratio | 22.9569% | 1,244 |
| Memoranda: | ||
| Average total assets | $58,193,000 | 5,595 |
| Average earning assets | $53,060,800 | 5,591 |
| Average equity | $8,229,800 | 5,142 |
| Average total loans | $42,784,400 | 5,078 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1448% | 137 |
| Cost of funding earning assets | 0.9222% | 360 |
| Net interest margin | 5.2226% | 197 |
| Noninterest income to average assets | 0.6797% | 2,423 |
| Noninterest expense to average assets | 3.7350% | 1,071 |
| Loan and lease loss provision to assets | 0.2861% | 705 |
| Net operating income to assets | 1.4281% | 1,076 |
| Return on assets (ROA) | 1.4281% | 1,112 |
| Pretax return on assets | 1.4281% | 1,894 |
| Return on Equity (ROE) | 10.1706% | 2,136 |
| Retained earnings to average equity (ytd only) | 3.6510% | 4,050 |
| Net charge-offs to loans | 0.4011% | 987 |
| Credit loss provision to net charge-offs | 96.1538% | 2,315 |
| Earnings coverage of net charge-offs (x) | 5.7615% | 3,202 |
| Efficiency ratio | 68.5426% | 3,758 |
| Assets per employee ($millions) | 2.7970% | 5,974 |
| Cash dividends to net income (ytd only)* | 64.1025% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 1,624 |
| Loan loss allowance to noncurrent loans | 32.3148% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 4.1133% | 463 |
| Noncurrent loans to loans | 5.6705% | 270 |
| Net loans and leases to total assets | 70.4134% | 2,131 |
| Net loans and leases to deposits | 84.9886% | 2,029 |
| Net loans and leases to core deposits | 93.3210% | 1,929 |
| Total domestic deposits to total assets | 82.8504% | 4,194 |
| Equity capital to assets | 14.2894% | 915 |
| Core capital (leverage) ratio | 14.2911% | 773 |
| Tier 1 risk-based capital ratio | 20.5037% | 1,552 |
| Total risk-based capital ratio | 21.7544% | 1,518 |
| Memoranda: | ||
| Average total assets | $58,258,000 | 5,656 |
| Average earning assets | $53,203,250 | 5,656 |
| Average equity | $8,180,250 | 5,198 |
| Average total loans | $43,210,000 | 5,120 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1898% | 119 |
| Cost of funding earning assets | 0.9404% | 331 |
| Net interest margin | 5.2494% | 182 |
| Noninterest income to average assets | 0.6782% | 2,385 |
| Noninterest expense to average assets | 3.8349% | 930 |
| Loan and lease loss provision to assets | 0.4303% | 383 |
| Net operating income to assets | 1.1980% | 1,595 |
| Return on assets (ROA) | 1.1980% | 1,664 |
| Pretax return on assets | 1.1980% | 2,674 |
| Return on Equity (ROE) | 8.5827% | 2,796 |
| Retained earnings to average equity (ytd only) | -1.2825% | 5,894 |
| Net charge-offs to loans | 0.4544% | 892 |
| Credit loss provision to net charge-offs | 126.2626% | 1,646 |
| Earnings coverage of net charge-offs (x) | 4.7778% | 3,048 |
| Efficiency ratio | 70.1953% | 3,626 |
| Assets per employee ($millions) | 2.7292% | 6,098 |
| Cash dividends to net income (ytd only)* | 114.9425% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 1,635 |
| Loan loss allowance to noncurrent loans | 34.2577% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 4.1858% | 488 |
| Noncurrent loans to loans | 5.4752% | 331 |
| Net loans and leases to total assets | 73.2958% | 1,533 |
| Net loans and leases to deposits | 88.3821% | 1,550 |
| Net loans and leases to core deposits | 96.6835% | 1,550 |
| Total domestic deposits to total assets | 82.9306% | 4,328 |
| Equity capital to assets | 14.1661% | 909 |
| Core capital (leverage) ratio | 13.6099% | 946 |
| Tier 1 risk-based capital ratio | 20.2535% | 1,626 |
| Total risk-based capital ratio | 21.5112% | 1,594 |
| Memoranda: | ||
| Average total assets | $58,098,670 | 5,711 |
| Average earning assets | $52,958,330 | 5,708 |
| Average equity | $8,109,330 | 5,243 |
| Average total loans | $43,570,000 | 5,149 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1301% | 120 |
| Cost of funding earning assets | 0.9651% | 315 |
| Net interest margin | 5.1649% | 197 |
| Noninterest income to average assets | 0.6360% | 2,541 |
| Noninterest expense to average assets | 3.7202% | 1,103 |
| Loan and lease loss provision to assets | 0.5129% | 284 |
| Net operating income to assets | 1.0873% | 1,863 |
| Return on assets (ROA) | 1.0873% | 1,926 |
| Pretax return on assets | 1.0873% | 2,967 |
| Return on Equity (ROE) | 7.8475% | 3,016 |
| Retained earnings to average equity (ytd only) | -6.9591% | 6,241 |
| Net charge-offs to loans | 0.7008% | 516 |
| Credit loss provision to net charge-offs | 97.4026% | 1,722 |
| Earnings coverage of net charge-offs (x) | 3.0390% | 2,741 |
| Efficiency ratio | 69.9229% | 3,850 |
| Assets per employee ($millions) | 2.6407% | 6,254 |
| Cash dividends to net income (ytd only)* | 188.6792% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7867% | 2,081 |
| Loan loss allowance to noncurrent loans | 28.6931% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 4.7732% | 445 |
| Noncurrent loans to loans | 6.2271% | 283 |
| Net loans and leases to total assets | 73.3282% | 1,381 |
| Net loans and leases to deposits | 92.5222% | 913 |
| Net loans and leases to core deposits | 100.7855% | 1,047 |
| Total domestic deposits to total assets | 79.2547% | 5,639 |
| Equity capital to assets | 13.8394% | 973 |
| Core capital (leverage) ratio | 13.5994% | 945 |
| Tier 1 risk-based capital ratio | 20.2538% | 1,658 |
| Total risk-based capital ratio | 21.5128% | 1,621 |
| Memoranda: | ||
| Average total assets | $58,491,500 | 5,752 |
| Average earning assets | $53,050,000 | 5,761 |
| Average equity | $8,104,500 | 5,260 |
| Average total loans | $43,949,500 | 5,166 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9876% | 175 |
| Cost of funding earning assets | 1.0460% | 364 |
| Net interest margin | 4.9416% | 331 |
| Noninterest income to average assets | 0.5222% | 3,610 |
| Noninterest expense to average assets | 3.3215% | 2,083 |
| Loan and lease loss provision to assets | 0.4313% | 680 |
| Net operating income to assets | 1.2812% | 1,303 |
| Return on assets (ROA) | 1.3016% | 1,290 |
| Pretax return on assets | 1.3016% | 2,145 |
| Return on Equity (ROE) | 10.2802% | 2,000 |
| Retained earnings to average equity (ytd only) | 3.7157% | 3,575 |
| Net charge-offs to loans | 0.5187% | 1,273 |
| Credit loss provision to net charge-offs | 119.5652% | 2,001 |
| Earnings coverage of net charge-offs (x) | 4.7478% | 3,475 |
| Efficiency ratio | 65.9813% | 4,560 |
| Assets per employee ($millions) | 2.6767% | 6,246 |
| Cash dividends to net income (ytd only)* | 63.8554% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 2,255 |
| Loan loss allowance to noncurrent loans | 27.3592% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 4.9110% | 487 |
| Noncurrent loans to loans | 6.3786% | 293 |
| Net loans and leases to total assets | 74.2885% | 1,301 |
| Net loans and leases to deposits | 95.6449% | 753 |
| Net loans and leases to core deposits | 102.6877% | 992 |
| Total domestic deposits to total assets | 77.6712% | 5,874 |
| Equity capital to assets | 13.8721% | 942 |
| Core capital (leverage) ratio | 13.3786% | 996 |
| Tier 1 risk-based capital ratio | 20.0313% | 1,646 |
| Total risk-based capital ratio | 21.2897% | 1,616 |
| Memoranda: | ||
| Average total assets | $63,766,800 | 5,657 |
| Average earning assets | $58,220,400 | 5,651 |
| Average equity | $8,073,800 | 5,317 |
| Average total loans | $44,338,200 | 5,175 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8720% | 216 |
| Cost of funding earning assets | 1.0478% | 393 |
| Net interest margin | 4.8241% | 407 |
| Noninterest income to average assets | 0.5006% | 3,802 |
| Noninterest expense to average assets | 3.2149% | 2,321 |
| Loan and lease loss provision to assets | 0.4308% | 674 |
| Net operating income to assets | 1.2659% | 1,441 |
| Return on assets (ROA) | 1.2659% | 1,510 |
| Pretax return on assets | 1.2659% | 2,461 |
| Return on Equity (ROE) | 10.2193% | 2,098 |
| Retained earnings to average equity (ytd only) | 3.5942% | 4,132 |
| Net charge-offs to loans | 0.3793% | 1,687 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 6.5633% | 2,950 |
| Efficiency ratio | 65.4553% | 4,584 |
| Assets per employee ($millions) | 2.9898% | 5,869 |
| Cash dividends to net income (ytd only)* | 64.8295% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 2,098 |
| Loan loss allowance to noncurrent loans | 28.0124% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 4.6795% | 623 |
| Noncurrent loans to loans | 6.6594% | 331 |
| Net loans and leases to total assets | 68.3714% | 2,247 |
| Net loans and leases to deposits | 84.4255% | 1,827 |
| Net loans and leases to core deposits | 89.9692% | 1,970 |
| Total domestic deposits to total assets | 80.9843% | 5,218 |
| Equity capital to assets | 12.9012% | 1,375 |
| Core capital (leverage) ratio | 12.6576% | 1,347 |
| Tier 1 risk-based capital ratio | 19.7944% | 1,787 |
| Total risk-based capital ratio | 21.0556% | 1,747 |
| Memoranda: | ||
| Average total assets | $64,986,500 | 5,687 |
| Average earning assets | $59,422,250 | 5,668 |
| Average equity | $8,050,000 | 5,379 |
| Average total loans | $44,291,750 | 5,229 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9261% | 203 |
| Cost of funding earning assets | 1.0542% | 423 |
| Net interest margin | 4.8719% | 387 |
| Noninterest income to average assets | 0.4565% | 4,120 |
| Noninterest expense to average assets | 3.2045% | 2,344 |
| Loan and lease loss provision to assets | 0.4108% | 745 |
| Net operating income to assets | 1.2994% | 1,325 |
| Return on assets (ROA) | 1.2994% | 1,413 |
| Pretax return on assets | 1.2994% | 2,301 |
| Return on Equity (ROE) | 10.6307% | 1,956 |
| Retained earnings to average equity (ytd only) | 0.6722% | 5,629 |
| Net charge-offs to loans | 0.2608% | 2,163 |
| Credit loss provision to net charge-offs | 232.7586% | 1,066 |
| Earnings coverage of net charge-offs (x) | 9.6897% | 2,248 |
| Efficiency ratio | 65.2012% | 4,678 |
| Assets per employee ($millions) | 3.2147% | 5,445 |
| Cash dividends to net income (ytd only)* | 93.6768% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 2,379 |
| Loan loss allowance to noncurrent loans | 34.0919% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 3.7298% | 985 |
| Noncurrent loans to loans | 5.3311% | 582 |
| Net loans and leases to total assets | 67.9747% | 2,237 |
| Net loans and leases to deposits | 78.7129% | 2,494 |
| Net loans and leases to core deposits | 83.4138% | 2,638 |
| Total domestic deposits to total assets | 86.3578% | 3,180 |
| Equity capital to assets | 12.3886% | 1,644 |
| Core capital (leverage) ratio | 11.7989% | 1,725 |
| Tier 1 risk-based capital ratio | 18.8807% | 2,027 |
| Total risk-based capital ratio | 20.1397% | 1,984 |
| Memoranda: | ||
| Average total assets | $65,720,330 | 5,698 |
| Average earning assets | $60,141,000 | 5,689 |
| Average equity | $8,033,330 | 5,419 |
| Average total loans | $44,474,670 | 5,246 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7082% | 271 |
| Cost of funding earning assets | 1.0654% | 441 |
| Net interest margin | 4.6428% | 525 |
| Noninterest income to average assets | 0.3914% | 4,529 |
| Noninterest expense to average assets | 3.2393% | 2,237 |
| Loan and lease loss provision to assets | 0.4516% | 630 |
| Net operating income to assets | 0.9513% | 2,437 |
| Return on assets (ROA) | 0.9513% | 2,580 |
| Pretax return on assets | 0.9513% | 3,561 |
| Return on Equity (ROE) | 7.8339% | 3,063 |
| Retained earnings to average equity (ytd only) | -7.0406% | 6,476 |
| Net charge-offs to loans | 0.1979% | 2,226 |
| Credit loss provision to net charge-offs | 340.9091% | 719 |
| Earnings coverage of net charge-offs (x) | 10.5909% | 1,728 |
| Efficiency ratio | 69.7795% | 4,010 |
| Assets per employee ($millions) | 2.9735% | 6,038 |
| Cash dividends to net income (ytd only)* | 189.8734% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 2,691 |
| Loan loss allowance to noncurrent loans | 40.9494% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 3.0680% | 1,449 |
| Noncurrent loans to loans | 4.3466% | 985 |
| Net loans and leases to total assets | 66.2183% | 2,334 |
| Net loans and leases to deposits | 77.4448% | 2,426 |
| Net loans and leases to core deposits | 82.0277% | 2,565 |
| Total domestic deposits to total assets | 85.5038% | 3,794 |
| Equity capital to assets | 12.2032% | 1,906 |
| Core capital (leverage) ratio | 11.3679% | 1,964 |
| Tier 1 risk-based capital ratio | 18.6011% | 2,158 |
| Total risk-based capital ratio | 19.8691% | 2,123 |
| Memoranda: | ||
| Average total assets | $66,434,000 | 5,728 |
| Average earning assets | $60,825,000 | 5,717 |
| Average equity | $8,067,500 | 5,468 |
| Average total loans | $44,456,000 | 5,283 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1243% | 224 |
| Cost of funding earning assets | 1.2960% | 382 |
| Net interest margin | 4.8283% | 517 |
| Noninterest income to average assets | 0.5209% | 3,766 |
| Noninterest expense to average assets | 3.1912% | 2,646 |
| Loan and lease loss provision to assets | 0.4465% | 1,414 |
| Net operating income to assets | 1.2815% | 1,364 |
| Return on assets (ROA) | 1.3306% | 1,361 |
| Pretax return on assets | 1.3351% | 2,273 |
| Return on Equity (ROE) | 11.1385% | 1,760 |
| Retained earnings to average equity (ytd only) | 3.9745% | 3,404 |
| Net charge-offs to loans | 0.3496% | 2,885 |
| Credit loss provision to net charge-offs | 193.5484% | 1,348 |
| Earnings coverage of net charge-offs (x) | 7.5097% | 2,586 |
| Efficiency ratio | 64.8126% | 4,738 |
| Assets per employee ($millions) | 3.0660% | 5,910 |
| Cash dividends to net income (ytd only)* | 64.3177% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 3,172 |
| Loan loss allowance to noncurrent loans | 38.4858% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 2.8895% | 1,648 |
| Noncurrent loans to loans | 4.2447% | 1,053 |
| Net loans and leases to total assets | 65.3467% | 2,641 |
| Net loans and leases to deposits | 78.0690% | 2,522 |
| Net loans and leases to core deposits | 83.5868% | 2,594 |
| Total domestic deposits to total assets | 83.7037% | 4,445 |
| Equity capital to assets | 12.0858% | 1,993 |
| Core capital (leverage) ratio | 11.3357% | 1,987 |
| Tier 1 risk-based capital ratio | 17.6710% | 2,391 |
| Total risk-based capital ratio | 18.9264% | 2,350 |
| Memoranda: | ||
| Average total assets | $67,185,800 | 5,704 |
| Average earning assets | $61,264,400 | 5,695 |
| Average equity | $8,026,200 | 5,495 |
| Average total loans | $44,342,600 | 5,313 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1420% | 237 |
| Cost of funding earning assets | 1.2869% | 464 |
| Net interest margin | 4.8552% | 519 |
| Noninterest income to average assets | 0.4966% | 3,954 |
| Noninterest expense to average assets | 3.1783% | 2,639 |
| Loan and lease loss provision to assets | 0.4609% | 1,346 |
| Net operating income to assets | 1.2793% | 1,496 |
| Return on assets (ROA) | 1.3428% | 1,487 |
| Pretax return on assets | 1.3428% | 2,438 |
| Return on Equity (ROE) | 11.2738% | 1,864 |
| Retained earnings to average equity (ytd only) | 5.4368% | 3,073 |
| Net charge-offs to loans | 0.2382% | 3,293 |
| Credit loss provision to net charge-offs | 293.6709% | 922 |
| Earnings coverage of net charge-offs (x) | 11.0887% | 2,112 |
| Efficiency ratio | 64.6204% | 4,695 |
| Assets per employee ($millions) | 3.1398% | 5,766 |
| Cash dividends to net income (ytd only)* | 51.7757% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 3,409 |
| Loan loss allowance to noncurrent loans | 36.7246% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 3.0127% | 1,735 |
| Noncurrent loans to loans | 4.4413% | 1,068 |
| Net loans and leases to total assets | 64.6109% | 2,905 |
| Net loans and leases to deposits | 76.5248% | 2,906 |
| Net loans and leases to core deposits | 84.0094% | 2,697 |
| Total domestic deposits to total assets | 84.4314% | 4,014 |
| Equity capital to assets | 11.9045% | 2,347 |
| Core capital (leverage) ratio | 11.2336% | 2,185 |
| Tier 1 risk-based capital ratio | 17.4308% | 2,566 |
| Total risk-based capital ratio | 18.6860% | 2,533 |
| Memoranda: | ||
| Average total assets | $67,119,500 | 5,772 |
| Average earning assets | $61,129,250 | 5,762 |
| Average equity | $7,994,750 | 5,559 |
| Average total loans | $44,226,000 | 5,384 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1957% | 220 |
| Cost of funding earning assets | 1.3466% | 433 |
| Net interest margin | 4.8491% | 518 |
| Noninterest income to average assets | 0.5356% | 3,679 |
| Noninterest expense to average assets | 3.2166% | 2,535 |
| Loan and lease loss provision to assets | 0.4423% | 1,462 |
| Net operating income to assets | 1.2758% | 1,502 |
| Return on assets (ROA) | 1.3721% | 1,416 |
| Pretax return on assets | 1.3721% | 2,317 |
| Return on Equity (ROE) | 11.5171% | 1,823 |
| Retained earnings to average equity (ytd only) | 2.6772% | 4,843 |
| Net charge-offs to loans | 0.2600% | 3,017 |
| Credit loss provision to net charge-offs | 257.8947% | 1,113 |
| Earnings coverage of net charge-offs (x) | 10.0175% | 2,108 |
| Efficiency ratio | 65.1829% | 4,688 |
| Assets per employee ($millions) | 3.3166% | 5,408 |
| Cash dividends to net income (ytd only)* | 76.7544% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 3,984 |
| Loan loss allowance to noncurrent loans | 37.7579% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 2.8142% | 1,958 |
| Noncurrent loans to loans | 3.9849% | 1,385 |
| Net loans and leases to total assets | 63.6314% | 3,120 |
| Net loans and leases to deposits | 73.6167% | 3,356 |
| Net loans and leases to core deposits | 84.1875% | 2,662 |
| Total domestic deposits to total assets | 86.4361% | 3,112 |
| Equity capital to assets | 11.4504% | 2,637 |
| Core capital (leverage) ratio | 11.2908% | 2,052 |
| Tier 1 risk-based capital ratio | 16.9361% | 2,696 |
| Total risk-based capital ratio | 18.1892% | 2,654 |
| Memoranda: | ||
| Average total assets | $66,467,670 | 5,829 |
| Average earning assets | $60,300,000 | 5,830 |
| Average equity | $7,918,670 | 5,598 |
| Average total loans | $43,844,670 | 5,435 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3098% | 204 |
| Cost of funding earning assets | 1.3779% | 456 |
| Net interest margin | 4.9319% | 448 |
| Noninterest income to average assets | 0.5117% | 3,840 |
| Noninterest expense to average assets | 3.1999% | 2,599 |
| Loan and lease loss provision to assets | 0.3699% | 1,707 |
| Net operating income to assets | 1.3996% | 1,223 |
| Return on assets (ROA) | 1.3996% | 1,372 |
| Pretax return on assets | 1.3996% | 2,189 |
| Return on Equity (ROE) | 11.5075% | 1,835 |
| Retained earnings to average equity (ytd only) | 2.6361% | 4,940 |
| Net charge-offs to loans | 0.0740% | 3,760 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 35.8750% | 817 |
| Efficiency ratio | 64.3921% | 4,854 |
| Assets per employee ($millions) | 3.1583% | 5,853 |
| Cash dividends to net income (ytd only)* | 77.0925% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 4,265 |
| Loan loss allowance to noncurrent loans | 49.6890% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 2.1470% | 2,735 |
| Noncurrent loans to loans | 2.9760% | 2,164 |
| Net loans and leases to total assets | 64.1900% | 2,817 |
| Net loans and leases to deposits | 73.5455% | 3,190 |
| Net loans and leases to core deposits | 84.5695% | 2,468 |
| Total domestic deposits to total assets | 87.2793% | 2,782 |
| Equity capital to assets | 11.9126% | 2,105 |
| Core capital (leverage) ratio | 11.7291% | 1,748 |
| Tier 1 risk-based capital ratio | 17.5458% | 2,463 |
| Total risk-based capital ratio | 18.7291% | 2,454 |
| Memoranda: | ||
| Average total assets | $64,877,500 | 5,924 |
| Average earning assets | $58,638,500 | 5,916 |
| Average equity | $7,890,500 | 5,630 |
| Average total loans | $43,269,500 | 5,496 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5746% | 163 |
| Cost of funding earning assets | 1.5592% | 561 |
| Net interest margin | 5.0154% | 408 |
| Noninterest income to average assets | 0.2643% | 5,635 |
| Noninterest expense to average assets | 3.3180% | 2,465 |
| Loan and lease loss provision to assets | 0.3445% | 2,941 |
| Net operating income to assets | 0.8065% | 3,009 |
| Return on assets (ROA) | 0.8716% | 2,872 |
| Pretax return on assets | 1.2400% | 2,327 |
| Return on Equity (ROE) | 7.0638% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.1683% | 3,960 |
| Net charge-offs to loans | 0.5894% | 2,681 |
| Credit loss provision to net charge-offs | 87.3984% | 4,134 |
| Earnings coverage of net charge-offs (x) | 3.7846% | 3,390 |
| Efficiency ratio | 68.9873% | 4,151 |
| Assets per employee ($millions) | 3.0205% | 6,036 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 4,645 |
| Loan loss allowance to noncurrent loans | 44.0360% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 2.3191% | 2,604 |
| Noncurrent loans to loans | 3.0767% | 2,101 |
| Net loans and leases to total assets | 67.3798% | 2,506 |
| Net loans and leases to deposits | 79.7533% | 2,567 |
| Net loans and leases to core deposits | 93.3370% | 1,766 |
| Total domestic deposits to total assets | 84.4853% | 4,104 |
| Equity capital to assets | 12.4231% | 1,843 |
| Core capital (leverage) ratio | 11.7731% | 1,725 |
| Tier 1 risk-based capital ratio | 18.2815% | 2,113 |
| Total risk-based capital ratio | 19.5353% | 2,076 |
| Memoranda: | ||
| Average total assets | $62,417,400 | 5,973 |
| Average earning assets | $56,566,200 | 5,958 |
| Average equity | $7,701,200 | 5,664 |
| Average total loans | $41,740,400 | 5,607 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6131% | 164 |
| Cost of funding earning assets | 1.5924% | 605 |
| Net interest margin | 5.0208% | 396 |
| Noninterest income to average assets | 0.4654% | 4,166 |
| Noninterest expense to average assets | 3.3952% | 2,197 |
| Loan and lease loss provision to assets | 0.2788% | 3,289 |
| Net operating income to assets | 0.8772% | 2,834 |
| Return on assets (ROA) | 0.8772% | 2,978 |
| Pretax return on assets | 1.3427% | 2,140 |
| Return on Equity (ROE) | 7.1223% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.9456% | 3,210 |
| Net charge-offs to loans | 0.7836% | 1,992 |
| Credit loss provision to net charge-offs | 53.4979% | 4,958 |
| Earnings coverage of net charge-offs (x) | 3.1111% | 3,578 |
| Efficiency ratio | 67.6785% | 4,384 |
| Assets per employee ($millions) | 3.0304% | 6,049 |
| Cash dividends to net income (ytd only)* | 30.5619% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,519 |
| Loan loss allowance to noncurrent loans | 44.7298% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.4388% | 2,643 |
| Noncurrent loans to loans | 2.6536% | 2,624 |
| Net loans and leases to total assets | 66.0617% | 2,889 |
| Net loans and leases to deposits | 77.6696% | 3,054 |
| Net loans and leases to core deposits | 92.8570% | 1,899 |
| Total domestic deposits to total assets | 85.0548% | 3,746 |
| Equity capital to assets | 12.5521% | 1,887 |
| Core capital (leverage) ratio | 11.9084% | 1,763 |
| Tier 1 risk-based capital ratio | 18.2253% | 2,179 |
| Total risk-based capital ratio | 19.4759% | 2,146 |
| Memoranda: | ||
| Average total assets | $62,164,250 | 6,029 |
| Average earning assets | $56,351,000 | 6,016 |
| Average equity | $7,656,500 | 5,705 |
| Average total loans | $41,344,000 | 5,676 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5023% | 204 |
| Cost of funding earning assets | 1.5890% | 729 |
| Net interest margin | 4.9133% | 474 |
| Noninterest income to average assets | 0.4962% | 3,893 |
| Noninterest expense to average assets | 3.3305% | 2,461 |
| Loan and lease loss provision to assets | 0.2432% | 3,473 |
| Net operating income to assets | 0.6810% | 3,641 |
| Return on assets (ROA) | 0.6810% | 3,762 |
| Pretax return on assets | 1.3847% | 1,841 |
| Return on Equity (ROE) | 5.5659% | 4,171 |
| Retained earnings to average equity (ytd only) | 2.2528% | 4,858 |
| Net charge-offs to loans | 0.2638% | 3,574 |
| Credit loss provision to net charge-offs | 138.8889% | 2,192 |
| Earnings coverage of net charge-offs (x) | 9.2963% | 1,943 |
| Efficiency ratio | 67.1681% | 4,669 |
| Assets per employee ($millions) | 2.8419% | 6,403 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,982 |
| Loan loss allowance to noncurrent loans | 36.8300% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 3.3237% | 1,997 |
| Noncurrent loans to loans | 4.1558% | 1,642 |
| Net loans and leases to total assets | 65.7539% | 3,080 |
| Net loans and leases to deposits | 77.1106% | 3,276 |
| Net loans and leases to core deposits | 92.4194% | 2,081 |
| Total domestic deposits to total assets | 85.2721% | 3,740 |
| Equity capital to assets | 12.3574% | 1,868 |
| Core capital (leverage) ratio | 11.6768% | 1,794 |
| Tier 1 risk-based capital ratio | 18.4503% | 2,030 |
| Total risk-based capital ratio | 19.7054% | 1,976 |
| Memoranda: | ||
| Average total assets | $61,672,670 | 6,087 |
| Average earning assets | $56,010,670 | 6,081 |
| Average equity | $7,546,000 | 5,750 |
| Average total loans | $40,943,330 | 5,760 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4229% | 238 |
| Cost of funding earning assets | 1.6452% | 687 |
| Net interest margin | 4.7776% | 596 |
| Noninterest income to average assets | 0.5225% | 3,706 |
| Noninterest expense to average assets | 3.2719% | 2,642 |
| Loan and lease loss provision to assets | 0.2939% | 2,806 |
| Net operating income to assets | -0.1176% | 6,476 |
| Return on assets (ROA) | -0.1176% | 6,496 |
| Pretax return on assets | 1.2996% | 2,046 |
| Return on Equity (ROE) | -0.9657% | 6,479 |
| Retained earnings to average equity (ytd only) | -0.9657% | 5,978 |
| Net charge-offs to loans | 0.0592% | 4,339 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 678 |
| Efficiency ratio | 67.2483% | 4,803 |
| Assets per employee ($millions) | 2.7849% | 6,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 3,653 |
| Loan loss allowance to noncurrent loans | 64.2229% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 2.3536% | 2,892 |
| Noncurrent loans to loans | 2.5234% | 2,957 |
| Net loans and leases to total assets | 65.0960% | 3,220 |
| Net loans and leases to deposits | 74.8386% | 3,626 |
| Net loans and leases to core deposits | 89.1599% | 2,462 |
| Total domestic deposits to total assets | 86.9818% | 2,950 |
| Equity capital to assets | 12.2772% | 1,750 |
| Core capital (leverage) ratio | 11.6617% | 1,763 |
| Tier 1 risk-based capital ratio | 17.8313% | 2,173 |
| Total risk-based capital ratio | 19.0444% | 2,147 |
| Memoranda: | ||
| Average total assets | $61,248,500 | 6,147 |
| Average earning assets | $55,676,000 | 6,137 |
| Average equity | $7,456,000 | 5,789 |
| Average total loans | $40,540,500 | 5,826 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0897% | 131 |
| Cost of funding earning assets | 1.9229% | 782 |
| Net interest margin | 5.1669% | 307 |
| Noninterest income to average assets | 0.4955% | 4,203 |
| Noninterest expense to average assets | 3.4791% | 2,231 |
| Loan and lease loss provision to assets | 0.3418% | 4,097 |
| Net operating income to assets | 1.0118% | 1,988 |
| Return on assets (ROA) | 1.0167% | 2,089 |
| Pretax return on assets | 1.4063% | 1,649 |
| Return on Equity (ROE) | 8.0329% | 2,688 |
| Retained earnings to average equity (ytd only) | 2.6326% | 4,020 |
| Net charge-offs to loans | 0.2188% | 4,981 |
| Credit loss provision to net charge-offs | 224.7191% | 1,328 |
| Earnings coverage of net charge-offs (x) | 11.4494% | 1,609 |
| Efficiency ratio | 66.6448% | 4,831 |
| Assets per employee ($millions) | 2.9157% | 6,282 |
| Cash dividends to net income (ytd only)* | 67.2269% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 3,881 |
| Loan loss allowance to noncurrent loans | 47.5385% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 2.7765% | 2,519 |
| Noncurrent loans to loans | 3.2066% | 2,370 |
| Net loans and leases to total assets | 65.2028% | 3,623 |
| Net loans and leases to deposits | 75.2214% | 3,979 |
| Net loans and leases to core deposits | 88.3526% | 3,005 |
| Total domestic deposits to total assets | 86.6811% | 2,992 |
| Equity capital to assets | 12.0694% | 1,872 |
| Core capital (leverage) ratio | 13.4328% | 991 |
| Tier 1 risk-based capital ratio | 18.6537% | 1,799 |
| Total risk-based capital ratio | 19.9092% | 1,769 |
| Memoranda: | ||
| Average total assets | $58,521,600 | 6,256 |
| Average earning assets | $53,514,200 | 6,234 |
| Average equity | $7,407,000 | 5,909 |
| Average total loans | $40,668,400 | 5,898 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2124% | 115 |
| Cost of funding earning assets | 1.9629% | 849 |
| Net interest margin | 5.2495% | 265 |
| Noninterest income to average assets | 0.5025% | 4,168 |
| Noninterest expense to average assets | 3.4367% | 2,192 |
| Loan and lease loss provision to assets | 0.3918% | 3,544 |
| Net operating income to assets | 1.0675% | 2,014 |
| Return on assets (ROA) | 1.0741% | 2,099 |
| Pretax return on assets | 1.4913% | 1,646 |
| Return on Equity (ROE) | 8.3835% | 2,752 |
| Retained earnings to average equity (ytd only) | 4.3357% | 3,446 |
| Net charge-offs to loans | 0.2097% | 4,688 |
| Credit loss provision to net charge-offs | 265.6250% | 1,238 |
| Earnings coverage of net charge-offs (x) | 12.7033% | 1,662 |
| Efficiency ratio | 64.7135% | 5,106 |
| Assets per employee ($millions) | 2.7869% | 6,610 |
| Cash dividends to net income (ytd only)* | 48.2827% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 3,845 |
| Loan loss allowance to noncurrent loans | 68.7220% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 2.1102% | 3,319 |
| Noncurrent loans to loans | 2.2208% | 3,423 |
| Net loans and leases to total assets | 67.5842% | 3,314 |
| Net loans and leases to deposits | 79.8502% | 3,480 |
| Net loans and leases to core deposits | 87.9659% | 3,372 |
| Total domestic deposits to total assets | 84.6388% | 3,809 |
| Equity capital to assets | 12.9400% | 1,610 |
| Core capital (leverage) ratio | 12.4049% | 1,460 |
| Tier 1 risk-based capital ratio | 18.4948% | 1,870 |
| Total risk-based capital ratio | 19.7496% | 1,838 |
| Memoranda: | ||
| Average total assets | $57,844,750 | 6,357 |
| Average earning assets | $52,981,250 | 6,329 |
| Average equity | $7,411,250 | 5,980 |
| Average total loans | $40,700,250 | 5,975 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2339% | 117 |
| Cost of funding earning assets | 1.9540% | 1,031 |
| Net interest margin | 5.2799% | 250 |
| Noninterest income to average assets | 0.5276% | 3,893 |
| Noninterest expense to average assets | 3.4191% | 2,217 |
| Loan and lease loss provision to assets | 0.3818% | 3,426 |
| Net operating income to assets | 1.1320% | 1,749 |
| Return on assets (ROA) | 1.1420% | 1,784 |
| Pretax return on assets | 1.5898% | 1,327 |
| Return on Equity (ROE) | 8.9435% | 2,492 |
| Retained earnings to average equity (ytd only) | 2.8271% | 4,344 |
| Net charge-offs to loans | 0.3914% | 3,409 |
| Credit loss provision to net charge-offs | 137.5000% | 2,914 |
| Earnings coverage of net charge-offs (x) | 7.0500% | 2,366 |
| Efficiency ratio | 63.5894% | 5,415 |
| Assets per employee ($millions) | 2.7738% | 6,630 |
| Cash dividends to net income (ytd only)* | 68.3891% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,892 |
| Loan loss allowance to noncurrent loans | 42.3836% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 2.8739% | 2,504 |
| Noncurrent loans to loans | 3.0777% | 2,614 |
| Net loans and leases to total assets | 69.7523% | 2,965 |
| Net loans and leases to deposits | 83.5544% | 2,965 |
| Net loans and leases to core deposits | 90.0208% | 3,258 |
| Total domestic deposits to total assets | 83.4813% | 4,351 |
| Equity capital to assets | 12.7006% | 1,683 |
| Core capital (leverage) ratio | 12.1809% | 1,554 |
| Tier 1 risk-based capital ratio | 18.7786% | 1,772 |
| Total risk-based capital ratio | 20.0323% | 1,744 |
| Memoranda: | ||
| Average total assets | $57,618,330 | 6,407 |
| Average earning assets | $52,917,330 | 6,371 |
| Average equity | $7,357,330 | 6,012 |
| Average total loans | $40,878,330 | 6,017 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2075% | 128 |
| Cost of funding earning assets | 1.9367% | 1,298 |
| Net interest margin | 5.2709% | 254 |
| Noninterest income to average assets | 0.5864% | 3,363 |
| Noninterest expense to average assets | 3.3227% | 2,458 |
| Loan and lease loss provision to assets | 0.3141% | 3,539 |
| Net operating income to assets | 1.2774% | 1,344 |
| Return on assets (ROA) | 1.2774% | 1,413 |
| Pretax return on assets | 1.7940% | 883 |
| Return on Equity (ROE) | 9.9768% | 2,111 |
| Retained earnings to average equity (ytd only) | 4.5250% | 3,438 |
| Net charge-offs to loans | 0.4026% | 2,831 |
| Credit loss provision to net charge-offs | 109.7561% | 3,141 |
| Earnings coverage of net charge-offs (x) | 7.3659% | 2,099 |
| Efficiency ratio | 61.1825% | 5,969 |
| Assets per employee ($millions) | 2.6120% | 7,018 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,206 |
| Loan loss allowance to noncurrent loans | 56.4018% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.2849% | 3,168 |
| Noncurrent loans to loans | 2.2181% | 3,502 |
| Net loans and leases to total assets | 70.1913% | 2,885 |
| Net loans and leases to deposits | 84.2873% | 2,891 |
| Net loans and leases to core deposits | 93.6584% | 2,883 |
| Total domestic deposits to total assets | 83.2762% | 4,487 |
| Equity capital to assets | 12.8552% | 1,576 |
| Core capital (leverage) ratio | 12.3536% | 1,470 |
| Tier 1 risk-based capital ratio | 18.3729% | 1,853 |
| Total risk-based capital ratio | 19.6237% | 1,825 |
| Memoranda: | ||
| Average total assets | $57,303,000 | 6,495 |
| Average earning assets | $52,667,000 | 6,455 |
| Average equity | $7,337,000 | 6,074 |
| Average total loans | $40,734,000 | 6,091 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5271% | 129 |
| Cost of funding earning assets | 2.3804% | 1,359 |
| Net interest margin | 5.1467% | 327 |
| Noninterest income to average assets | 0.4848% | 4,530 |
| Noninterest expense to average assets | 3.5097% | 2,349 |
| Loan and lease loss provision to assets | 0.1337% | 6,301 |
| Net operating income to assets | 1.1767% | 1,310 |
| Return on assets (ROA) | 1.1818% | 1,341 |
| Pretax return on assets | 1.6506% | 867 |
| Return on Equity (ROE) | 8.9896% | 2,027 |
| Retained earnings to average equity (ytd only) | -0.5017% | 5,104 |
| Net charge-offs to loans | 0.4058% | 4,195 |
| Credit loss provision to net charge-offs | 46.0123% | 6,787 |
| Earnings coverage of net charge-offs (x) | 6.1166% | 2,434 |
| Efficiency ratio | 66.3857% | 5,312 |
| Assets per employee ($millions) | 2.5974% | 7,042 |
| Cash dividends to net income (ytd only)* | 105.5807% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 5,067 |
| Loan loss allowance to noncurrent loans | 41.1526% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 2.8770% | 2,436 |
| Noncurrent loans to loans | 3.0328% | 2,544 |
| Net loans and leases to total assets | 70.2028% | 3,208 |
| Net loans and leases to deposits | 83.9545% | 3,280 |
| Net loans and leases to core deposits | 118.0125% | 2,129 |
| Total domestic deposits to total assets | 83.6200% | 4,223 |
| Equity capital to assets | 12.7522% | 1,616 |
| Core capital (leverage) ratio | 12.3191% | 1,520 |
| Tier 1 risk-based capital ratio | 18.0747% | 1,874 |
| Total risk-based capital ratio | 19.3252% | 1,832 |
| Memoranda: | ||
| Average total assets | $56,101,600 | 6,491 |
| Average earning assets | $52,344,200 | 6,443 |
| Average equity | $7,375,200 | 6,140 |
| Average total loans | $40,169,200 | 6,102 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5810% | 130 |
| Cost of funding earning assets | 2.4409% | 1,488 |
| Net interest margin | 5.1401% | 336 |
| Noninterest income to average assets | 0.4895% | 4,586 |
| Noninterest expense to average assets | 3.4573% | 2,399 |
| Loan and lease loss provision to assets | 0.1194% | 6,174 |
| Net operating income to assets | 1.2126% | 1,434 |
| Return on assets (ROA) | 1.2177% | 1,482 |
| Pretax return on assets | 1.7215% | 927 |
| Return on Equity (ROE) | 9.1923% | 2,191 |
| Retained earnings to average equity (ytd only) | 5.1369% | 2,407 |
| Net charge-offs to loans | 0.2130% | 4,700 |
| Credit loss provision to net charge-offs | 78.1250% | 5,808 |
| Earnings coverage of net charge-offs (x) | 12.0001% | 1,806 |
| Efficiency ratio | 65.3430% | 5,486 |
| Assets per employee ($millions) | 2.5565% | 7,133 |
| Cash dividends to net income (ytd only)* | 44.1175% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 3,748 |
| Loan loss allowance to noncurrent loans | 60.3323% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.4376% | 2,822 |
| Noncurrent loans to loans | 2.3832% | 3,164 |
| Net loans and leases to total assets | 70.8124% | 3,312 |
| Net loans and leases to deposits | 84.0161% | 3,637 |
| Net loans and leases to core deposits | 117.3626% | 2,480 |
| Total domestic deposits to total assets | 84.2843% | 3,587 |
| Equity capital to assets | 13.6390% | 1,438 |
| Core capital (leverage) ratio | 12.9802% | 1,383 |
| Tier 1 risk-based capital ratio | 20.3515% | 1,491 |
| Total risk-based capital ratio | 21.6058% | 1,440 |
| Memoranda: | ||
| Average total assets | $55,841,250 | 6,550 |
| Average earning assets | $52,164,250 | 6,490 |
| Average equity | $7,397,250 | 6,189 |
| Average total loans | $40,055,750 | 6,155 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4939% | 156 |
| Cost of funding earning assets | 2.4967% | 1,625 |
| Net interest margin | 4.9972% | 429 |
| Noninterest income to average assets | 0.4560% | 4,813 |
| Noninterest expense to average assets | 3.5004% | 2,334 |
| Loan and lease loss provision to assets | 0.0898% | 6,276 |
| Net operating income to assets | 1.0980% | 1,781 |
| Return on assets (ROA) | 1.1058% | 1,833 |
| Pretax return on assets | 1.5402% | 1,351 |
| Return on Equity (ROE) | 8.4314% | 2,600 |
| Retained earnings to average equity (ytd only) | 2.2721% | 4,071 |
| Net charge-offs to loans | 0.5508% | 2,676 |
| Credit loss provision to net charge-offs | 22.7273% | 6,100 |
| Earnings coverage of net charge-offs (x) | 4.1000% | 3,217 |
| Efficiency ratio | 68.3731% | 5,093 |
| Assets per employee ($millions) | 2.5675% | 7,118 |
| Cash dividends to net income (ytd only)* | 73.0519% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 4,465 |
| Loan loss allowance to noncurrent loans | 50.8458% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.5016% | 2,574 |
| Noncurrent loans to loans | 2.4981% | 2,901 |
| Net loans and leases to total assets | 70.3190% | 3,620 |
| Net loans and leases to deposits | 82.7945% | 4,086 |
| Net loans and leases to core deposits | 116.3449% | 2,682 |
| Total domestic deposits to total assets | 84.9320% | 3,293 |
| Equity capital to assets | 12.9842% | 1,697 |
| Core capital (leverage) ratio | 12.7380% | 1,526 |
| Tier 1 risk-based capital ratio | 19.9094% | 1,598 |
| Total risk-based capital ratio | 21.1626% | 1,554 |
| Memoranda: | ||
| Average total assets | $55,707,330 | 6,607 |
| Average earning assets | $51,989,000 | 6,553 |
| Average equity | $7,306,000 | 6,263 |
| Average total loans | $39,938,330 | 6,207 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5165% | 164 |
| Cost of funding earning assets | 2.5262% | 1,817 |
| Net interest margin | 4.9903% | 408 |
| Noninterest income to average assets | 0.4555% | 4,717 |
| Noninterest expense to average assets | 3.6588% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0505% | 2,131 |
| Return on assets (ROA) | 1.0557% | 2,251 |
| Pretax return on assets | 1.4606% | 1,781 |
| Return on Equity (ROE) | 8.0088% | 3,150 |
| Retained earnings to average equity (ytd only) | 2.5233% | 4,474 |
| Net charge-offs to loans | 1.0153% | 1,328 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.9901% | 3,731 |
| Efficiency ratio | 71.5700% | 4,256 |
| Assets per employee ($millions) | 2.3997% | 7,459 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 4,514 |
| Loan loss allowance to noncurrent loans | 78.6624% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.9043% | 3,051 |
| Noncurrent loans to loans | 1.5786% | 3,911 |
| Net loans and leases to total assets | 71.1842% | 3,428 |
| Net loans and leases to deposits | 84.5303% | 3,891 |
| Net loans and leases to core deposits | 119.1773% | 2,491 |
| Total domestic deposits to total assets | 84.2115% | 3,597 |
| Equity capital to assets | 13.2755% | 1,630 |
| Core capital (leverage) ratio | 12.7578% | 1,577 |
| Tier 1 risk-based capital ratio | 20.4271% | 1,536 |
| Total risk-based capital ratio | 21.6797% | 1,508 |
| Memoranda: | ||
| Average total assets | $55,319,000 | 6,658 |
| Average earning assets | $51,620,000 | 6,590 |
| Average equity | $7,292,000 | 6,305 |
| Average total loans | $39,792,500 | 6,247 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9261% | 212 |
| Cost of funding earning assets | 2.8926% | 2,297 |
| Net interest margin | 5.0335% | 470 |
| Noninterest income to average assets | 0.5626% | 4,133 |
| Noninterest expense to average assets | 3.3232% | 2,885 |
| Loan and lease loss provision to assets | 0.0905% | 6,253 |
| Net operating income to assets | 1.2866% | 1,524 |
| Return on assets (ROA) | 1.2916% | 1,459 |
| Pretax return on assets | 1.8561% | 843 |
| Return on Equity (ROE) | 10.1988% | 2,187 |
| Retained earnings to average equity (ytd only) | 5.1994% | 1,910 |
| Net charge-offs to loans | 0.3247% | 3,231 |
| Credit loss provision to net charge-offs | 39.6825% | 6,452 |
| Earnings coverage of net charge-offs (x) | 8.5079% | 2,867 |
| Efficiency ratio | 63.1488% | 5,749 |
| Assets per employee ($millions) | 2.5203% | 7,173 |
| Cash dividends to net income (ytd only)* | 49.0196% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 2,725 |
| Loan loss allowance to noncurrent loans | 74.9370% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 2.0506% | 2,399 |
| Noncurrent loans to loans | 1.9948% | 2,771 |
| Net loans and leases to total assets | 70.7138% | 3,852 |
| Net loans and leases to deposits | 84.3727% | 4,369 |
| Net loans and leases to core deposits | 117.4033% | 2,958 |
| Total domestic deposits to total assets | 83.8113% | 3,424 |
| Equity capital to assets | 13.0884% | 1,747 |
| Core capital (leverage) ratio | 12.6545% | 1,682 |
| Tier 1 risk-based capital ratio | 20.8225% | 1,476 |
| Total risk-based capital ratio | 22.0808% | 1,453 |
| Memoranda: | ||
| Average total assets | $55,278,200 | 6,563 |
| Average earning assets | $51,614,000 | 6,523 |
| Average equity | $7,000,800 | 6,452 |
| Average total loans | $38,805,200 | 6,235 |