Home > Our Community Bank > Performance and Condition Ratios
Our Community Bank, Performance and Condition Ratios
| 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 | 4.3076% | 996 |
| Cost of funding earning assets | 0.5881% | 790 |
| Net interest margin | 3.7195% | 1,302 |
| Noninterest income to average assets | 0.7647% | 1,635 |
| Noninterest expense to average assets | 3.3731% | 556 |
| Loan and lease loss provision to assets | 0.0273% | 2,432 |
| Net operating income to assets | 0.6200% | 3,941 |
| Return on assets (ROA) | 0.6200% | 3,996 |
| Pretax return on assets | 0.7156% | 4,034 |
| Return on Equity (ROE) | 5.8677% | 3,937 |
| Retained earnings to average equity (ytd only) | 0.4394% | 4,445 |
| Net charge-offs to loans | 0.0042% | 2,008 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 399 |
| Efficiency ratio | 81.9509% | 674 |
| Assets per employee ($millions) | 4.1202% | 4,383 |
| Cash dividends to net income (ytd only)* | 92.5110% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,907 |
| Loan loss allowance to noncurrent loans | 132.7628% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 1,511 |
| Noncurrent loans to loans | 0.9080% | 1,366 |
| Net loans and leases to total assets | 60.0043% | 2,427 |
| Net loans and leases to deposits | 75.7851% | 1,844 |
| Net loans and leases to core deposits | 78.8368% | 1,975 |
| Total domestic deposits to total assets | 79.1769% | 4,323 |
| Equity capital to assets | 10.4203% | 2,468 |
| Core capital (leverage) ratio | 10.3896% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,226,667 | 4,378 |
| Average earning assets | $65,977,000 | 4,395 |
| Average equity | $7,737,333 | 4,443 |
| Average total loans | $48,117,333 | 4,116 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 818 |
| Cost of funding earning assets | 0.6177% | 810 |
| Net interest margin | 3.8466% | 1,063 |
| Noninterest income to average assets | 0.7477% | 1,726 |
| Noninterest expense to average assets | 3.3975% | 527 |
| Loan and lease loss provision to assets | 0.0550% | 2,010 |
| Net operating income to assets | 0.7147% | 3,677 |
| Return on assets (ROA) | 0.7147% | 3,741 |
| Pretax return on assets | 0.7532% | 3,908 |
| Return on Equity (ROE) | 6.7166% | 3,674 |
| Retained earnings to average equity (ytd only) | 0.5167% | 4,301 |
| Net charge-offs to loans | 0.0161% | 1,421 |
| Credit loss provision to net charge-offs | 500.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 740 |
| Efficiency ratio | 80.7843% | 771 |
| Assets per employee ($millions) | 4.1633% | 4,370 |
| Cash dividends to net income (ytd only)* | 92.3077% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 3,339 |
| Loan loss allowance to noncurrent loans | 126.0465% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 1,607 |
| Noncurrent loans to loans | 0.8889% | 1,524 |
| Net loans and leases to total assets | 63.8252% | 2,067 |
| Net loans and leases to deposits | 80.5043% | 1,476 |
| Net loans and leases to core deposits | 85.1750% | 1,578 |
| Total domestic deposits to total assets | 79.2818% | 4,300 |
| Equity capital to assets | 10.3271% | 2,414 |
| Core capital (leverage) ratio | 10.7436% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,758,500 | 4,399 |
| Average earning assets | $65,408,000 | 4,416 |
| Average equity | $7,742,000 | 4,457 |
| Average total loans | $49,654,000 | 4,111 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 777 |
| Cost of funding earning assets | 0.8488% | 1,024 |
| Net interest margin | 3.9172% | 1,169 |
| Noninterest income to average assets | 0.6924% | 1,891 |
| Noninterest expense to average assets | 5.1544% | 176 |
| Loan and lease loss provision to assets | 0.0756% | 3,437 |
| Net operating income to assets | -0.5358% | 4,888 |
| Return on assets (ROA) | -0.5358% | 4,890 |
| Pretax return on assets | -0.9493% | 4,924 |
| Return on Equity (ROE) | -4.6832% | 4,891 |
| Retained earnings to average equity (ytd only) | -9.0062% | 4,901 |
| Net charge-offs to loans | 0.0591% | 1,930 |
| Credit loss provision to net charge-offs | 177.4194% | 2,277 |
| Earnings coverage of net charge-offs (x) | -20.5161% | 3,421 |
| Efficiency ratio | 120.4108% | 80 |
| Assets per employee ($millions) | 3.9210% | 4,430 |
| Cash dividends to net income (ytd only)* | -92.3077% | 4,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,688 |
| Loan loss allowance to noncurrent loans | 123.2719% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 1,650 |
| Noncurrent loans to loans | 0.8520% | 1,658 |
| Net loans and leases to total assets | 71.4118% | 1,378 |
| Net loans and leases to deposits | 91.5433% | 813 |
| Net loans and leases to core deposits | 97.7825% | 1,017 |
| Total domestic deposits to total assets | 78.0087% | 4,313 |
| Equity capital to assets | 10.9737% | 2,273 |
| Core capital (leverage) ratio | 10.3782% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,791,800 | 4,343 |
| Average earning assets | $66,679,800 | 4,343 |
| Average equity | $8,327,600 | 4,386 |
| Average total loans | $52,488,800 | 4,058 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 919 |
| Cost of funding earning assets | 0.8896% | 1,101 |
| Net interest margin | 3.8856% | 1,386 |
| Noninterest income to average assets | 0.6726% | 1,892 |
| Noninterest expense to average assets | 3.7357% | 495 |
| Loan and lease loss provision to assets | 0.0818% | 3,294 |
| Net operating income to assets | 0.4963% | 4,050 |
| Return on assets (ROA) | 0.4963% | 4,134 |
| Pretax return on assets | 0.4363% | 4,395 |
| Return on Equity (ROE) | 4.2958% | 4,098 |
| Retained earnings to average equity (ytd only) | 0.0472% | 4,471 |
| Net charge-offs to loans | 0.0504% | 1,893 |
| Credit loss provision to net charge-offs | 225.0000% | 2,013 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 2,166 |
| Efficiency ratio | 87.8205% | 423 |
| Assets per employee ($millions) | 4.0956% | 4,243 |
| Cash dividends to net income (ytd only)* | 98.9011% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,589 |
| Loan loss allowance to noncurrent loans | 123.8426% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 1,909 |
| Noncurrent loans to loans | 0.8277% | 1,769 |
| Net loans and leases to total assets | 70.0719% | 1,942 |
| Net loans and leases to deposits | 90.7840% | 1,187 |
| Net loans and leases to core deposits | 98.6555% | 1,266 |
| Total domestic deposits to total assets | 77.1853% | 4,298 |
| Equity capital to assets | 11.5518% | 1,967 |
| Core capital (leverage) ratio | 11.3906% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,345,250 | 4,347 |
| Average earning assets | $67,597,750 | 4,340 |
| Average equity | $8,473,250 | 4,394 |
| Average total loans | $52,877,000 | 4,069 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 1,006 |
| Cost of funding earning assets | 0.9593% | 1,109 |
| Net interest margin | 3.9229% | 1,519 |
| Noninterest income to average assets | 0.6911% | 1,776 |
| Noninterest expense to average assets | 3.7804% | 515 |
| Loan and lease loss provision to assets | 0.0819% | 3,259 |
| Net operating income to assets | 0.5108% | 3,987 |
| Return on assets (ROA) | 0.5108% | 4,067 |
| Pretax return on assets | 0.4480% | 4,333 |
| Return on Equity (ROE) | 4.4213% | 3,993 |
| Retained earnings to average equity (ytd only) | 0.1655% | 4,284 |
| Net charge-offs to loans | 0.0716% | 1,532 |
| Credit loss provision to net charge-offs | 157.8947% | 2,088 |
| Earnings coverage of net charge-offs (x) | 10.2105% | 2,167 |
| Efficiency ratio | 87.7060% | 464 |
| Assets per employee ($millions) | 3.6830% | 4,563 |
| Cash dividends to net income (ytd only)* | 96.2567% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,600 |
| Loan loss allowance to noncurrent loans | 120.0461% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6082% | 1,983 |
| Noncurrent loans to loans | 0.8290% | 1,841 |
| Net loans and leases to total assets | 70.3679% | 1,973 |
| Net loans and leases to deposits | 91.9857% | 1,160 |
| Net loans and leases to core deposits | 100.0386% | 1,250 |
| Total domestic deposits to total assets | 76.4988% | 4,378 |
| Equity capital to assets | 11.5667% | 1,927 |
| Core capital (leverage) ratio | 11.2911% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,220,333 | 4,348 |
| Average earning assets | $67,552,000 | 4,348 |
| Average equity | $8,459,000 | 4,413 |
| Average total loans | $53,105,333 | 4,077 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 1,170 |
| Cost of funding earning assets | 1.0199% | 1,338 |
| Net interest margin | 3.8899% | 1,703 |
| Noninterest income to average assets | 0.5753% | 2,150 |
| Noninterest expense to average assets | 3.8465% | 588 |
| Loan and lease loss provision to assets | 0.0822% | 2,668 |
| Net operating income to assets | 0.3726% | 4,191 |
| Return on assets (ROA) | 0.3726% | 4,231 |
| Pretax return on assets | 0.2411% | 4,524 |
| Return on Equity (ROE) | 3.2271% | 4,161 |
| Retained earnings to average equity (ytd only) | -1.0441% | 4,147 |
| Net charge-offs to loans | 0.0374% | 1,670 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 1,720 |
| Efficiency ratio | 92.2470% | 420 |
| Assets per employee ($millions) | 3.6649% | 4,314 |
| Cash dividends to net income (ytd only)* | 132.3529% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 3,782 |
| Loan loss allowance to noncurrent loans | 126.8293% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 2,205 |
| Noncurrent loans to loans | 0.7770% | 2,058 |
| Net loans and leases to total assets | 71.2775% | 2,043 |
| Net loans and leases to deposits | 95.4630% | 966 |
| Net loans and leases to core deposits | 108.5250% | 924 |
| Total domestic deposits to total assets | 74.6651% | 4,607 |
| Equity capital to assets | 11.3591% | 2,548 |
| Core capital (leverage) ratio | 11.5032% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,000,500 | 4,360 |
| Average earning assets | $67,457,500 | 4,361 |
| Average equity | $8,428,500 | 4,436 |
| Average total loans | $53,481,000 | 4,082 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1246% | 1,165 |
| Cost of funding earning assets | 1.0761% | 1,416 |
| Net interest margin | 4.0485% | 1,688 |
| Noninterest income to average assets | 0.6377% | 2,053 |
| Noninterest expense to average assets | 3.6645% | 795 |
| Loan and lease loss provision to assets | 0.0789% | 2,417 |
| Net operating income to assets | 0.6709% | 3,949 |
| Return on assets (ROA) | 0.6709% | 4,023 |
| Pretax return on assets | 0.6363% | 4,358 |
| Return on Equity (ROE) | 5.7861% | 3,978 |
| Retained earnings to average equity (ytd only) | 2.3264% | 3,861 |
| Net charge-offs to loans | 0.1160% | 1,580 |
| Credit loss provision to net charge-offs | 91.9355% | 2,628 |
| Earnings coverage of net charge-offs (x) | 8.3387% | 2,781 |
| Efficiency ratio | 83.6702% | 678 |
| Assets per employee ($millions) | 3.6352% | 4,342 |
| Cash dividends to net income (ytd only)* | 59.7938% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 3,776 |
| Loan loss allowance to noncurrent loans | 128.7879% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 1,841 |
| Noncurrent loans to loans | 0.7307% | 2,053 |
| Net loans and leases to total assets | 73.8443% | 1,782 |
| Net loans and leases to deposits | 100.6902% | 550 |
| Net loans and leases to core deposits | 114.8729% | 637 |
| Total domestic deposits to total assets | 73.3381% | 4,810 |
| Equity capital to assets | 11.7340% | 2,327 |
| Core capital (leverage) ratio | 11.6148% | 2,028 |
| Tier 1 risk-based capital ratio | 20.8292% | 1,196 |
| Total risk-based capital ratio | 22.0834% | 1,168 |
| Memoranda: | ||
| Average total assets | $72,288,600 | 4,390 |
| Average earning assets | $66,814,800 | 4,394 |
| Average equity | $8,382,200 | 4,461 |
| Average total loans | $53,437,600 | 4,113 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1311% | 1,209 |
| Cost of funding earning assets | 1.0754% | 1,446 |
| Net interest margin | 4.0557% | 1,746 |
| Noninterest income to average assets | 0.6299% | 2,071 |
| Noninterest expense to average assets | 3.6941% | 751 |
| Loan and lease loss provision to assets | 0.0776% | 2,350 |
| Net operating income to assets | 0.6483% | 4,163 |
| Return on assets (ROA) | 0.6483% | 4,215 |
| Pretax return on assets | 0.6058% | 4,533 |
| Return on Equity (ROE) | 5.6080% | 4,163 |
| Retained earnings to average equity (ytd only) | 2.2528% | 4,185 |
| Net charge-offs to loans | 0.1302% | 1,221 |
| Credit loss provision to net charge-offs | 80.7692% | 2,492 |
| Earnings coverage of net charge-offs (x) | 7.1155% | 2,773 |
| Efficiency ratio | 84.3882% | 590 |
| Assets per employee ($millions) | 3.8053% | 4,159 |
| Cash dividends to net income (ytd only)* | 59.8282% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 3,909 |
| Loan loss allowance to noncurrent loans | 128.4987% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 1,708 |
| Noncurrent loans to loans | 0.7265% | 2,149 |
| Net loans and leases to total assets | 74.1231% | 1,797 |
| Net loans and leases to deposits | 101.1514% | 550 |
| Net loans and leases to core deposits | 115.6474% | 672 |
| Total domestic deposits to total assets | 73.2794% | 4,847 |
| Equity capital to assets | 11.7165% | 2,491 |
| Core capital (leverage) ratio | 11.6373% | 2,116 |
| Tier 1 risk-based capital ratio | 18.5501% | 1,675 |
| Total risk-based capital ratio | 19.6632% | 1,675 |
| Memoranda: | ||
| Average total assets | $72,185,000 | 4,448 |
| Average earning assets | $66,702,500 | 4,446 |
| Average equity | $8,345,000 | 4,516 |
| Average total loans | $53,247,750 | 4,168 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1486% | 1,112 |
| Cost of funding earning assets | 1.0645% | 1,433 |
| Net interest margin | 4.0841% | 1,655 |
| Noninterest income to average assets | 0.6099% | 2,099 |
| Noninterest expense to average assets | 3.7174% | 737 |
| Loan and lease loss provision to assets | 0.0748% | 2,317 |
| Net operating income to assets | 0.6404% | 4,194 |
| Return on assets (ROA) | 0.6404% | 4,241 |
| Pretax return on assets | 0.5932% | 4,556 |
| Return on Equity (ROE) | 5.5643% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.6737% | 3,860 |
| Net charge-offs to loans | 0.1435% | 1,076 |
| Credit loss provision to net charge-offs | 71.0526% | 2,313 |
| Earnings coverage of net charge-offs (x) | 6.3421% | 2,579 |
| Efficiency ratio | 84.7661% | 605 |
| Assets per employee ($millions) | 3.5781% | 4,403 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 3,886 |
| Loan loss allowance to noncurrent loans | 116.3972% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 1,846 |
| Noncurrent loans to loans | 0.8134% | 1,961 |
| Net loans and leases to total assets | 73.6826% | 1,935 |
| Net loans and leases to deposits | 98.8749% | 756 |
| Net loans and leases to core deposits | 112.9297% | 824 |
| Total domestic deposits to total assets | 74.5210% | 4,798 |
| Equity capital to assets | 11.7704% | 2,367 |
| Core capital (leverage) ratio | 11.7159% | 2,009 |
| Tier 1 risk-based capital ratio | 20.1306% | 1,327 |
| Total risk-based capital ratio | 21.3404% | 1,303 |
| Memoranda: | ||
| Average total assets | $72,146,670 | 4,483 |
| Average earning assets | $66,697,670 | 4,483 |
| Average equity | $8,303,000 | 4,540 |
| Average total loans | $52,965,000 | 4,200 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 1,505 |
| Cost of funding earning assets | 1.0566% | 1,351 |
| Net interest margin | 3.8802% | 2,248 |
| Noninterest income to average assets | 0.5632% | 2,214 |
| Noninterest expense to average assets | 3.6444% | 804 |
| Loan and lease loss provision to assets | 0.0552% | 2,565 |
| Net operating income to assets | 0.5246% | 4,451 |
| Return on assets (ROA) | 0.5246% | 4,471 |
| Pretax return on assets | 0.4528% | 4,772 |
| Return on Equity (ROE) | 4.6100% | 4,444 |
| Retained earnings to average equity (ytd only) | 1.6984% | 4,142 |
| Net charge-offs to loans | 0.1363% | 929 |
| Credit loss provision to net charge-offs | 55.5556% | 1,940 |
| Earnings coverage of net charge-offs (x) | 5.1111% | 2,277 |
| Efficiency ratio | 87.7660% | 499 |
| Assets per employee ($millions) | 4.0269% | 3,880 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 3,934 |
| Loan loss allowance to noncurrent loans | 43.9722% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.7121% | 640 |
| Noncurrent loans to loans | 2.1805% | 653 |
| Net loans and leases to total assets | 72.2494% | 2,111 |
| Net loans and leases to deposits | 96.3197% | 932 |
| Net loans and leases to core deposits | 103.1393% | 1,371 |
| Total domestic deposits to total assets | 75.0100% | 4,855 |
| Equity capital to assets | 11.4382% | 2,456 |
| Core capital (leverage) ratio | 11.4545% | 2,162 |
| Tier 1 risk-based capital ratio | 19.8093% | 1,374 |
| Total risk-based capital ratio | 21.0207% | 1,360 |
| Memoranda: | ||
| Average total assets | $72,439,500 | 4,528 |
| Average earning assets | $67,007,500 | 4,529 |
| Average equity | $8,243,000 | 4,581 |
| Average total loans | $52,831,500 | 4,246 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 1,354 |
| Cost of funding earning assets | 0.9333% | 983 |
| Net interest margin | 3.9416% | 2,189 |
| Noninterest income to average assets | 0.5086% | 2,784 |
| Noninterest expense to average assets | 4.0687% | 489 |
| Loan and lease loss provision to assets | 0.0945% | 2,264 |
| Net operating income to assets | 0.2390% | 5,073 |
| Return on assets (ROA) | 0.2390% | 5,071 |
| Pretax return on assets | -0.0042% | 5,228 |
| Return on Equity (ROE) | 2.0840% | 5,036 |
| Retained earnings to average equity (ytd only) | -1.6115% | 5,109 |
| Net charge-offs to loans | 0.0270% | 2,870 |
| Credit loss provision to net charge-offs | 485.7143% | 708 |
| Earnings coverage of net charge-offs (x) | 4.6429% | 3,272 |
| Efficiency ratio | 97.8283% | 178 |
| Assets per employee ($millions) | 4.0219% | 3,866 |
| Cash dividends to net income (ytd only)* | 177.3256% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 3,833 |
| Loan loss allowance to noncurrent loans | 36.7071% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.9380% | 507 |
| Noncurrent loans to loans | 2.6579% | 436 |
| Net loans and leases to total assets | 72.2035% | 2,224 |
| Net loans and leases to deposits | 96.0829% | 1,065 |
| Net loans and leases to core deposits | 104.8292% | 1,356 |
| Total domestic deposits to total assets | 75.1471% | 4,858 |
| Equity capital to assets | 11.3200% | 2,395 |
| Core capital (leverage) ratio | 11.3624% | 2,212 |
| Tier 1 risk-based capital ratio | 20.2655% | 1,261 |
| Total risk-based capital ratio | 21.5194% | 1,240 |
| Memoranda: | ||
| Average total assets | $71,963,400 | 4,553 |
| Average earning assets | $66,648,800 | 4,547 |
| Average equity | $8,253,400 | 4,567 |
| Average total loans | $51,762,000 | 4,276 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 1,290 |
| Cost of funding earning assets | 0.8653% | 1,049 |
| Net interest margin | 3.9898% | 1,986 |
| Noninterest income to average assets | 0.4973% | 2,888 |
| Noninterest expense to average assets | 4.2380% | 377 |
| Loan and lease loss provision to assets | 0.0872% | 2,228 |
| Net operating income to assets | 0.1596% | 5,223 |
| Return on assets (ROA) | 0.1596% | 5,214 |
| Pretax return on assets | -0.1318% | 5,332 |
| Return on Equity (ROE) | 1.3868% | 5,195 |
| Retained earnings to average equity (ytd only) | -2.3222% | 5,218 |
| Net charge-offs to loans | -0.0026% | 4,119 |
| Credit loss provision to net charge-offs | -4,700.0000% | 4,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0619% | 139 |
| Assets per employee ($millions) | 3.6671% | 4,351 |
| Cash dividends to net income (ytd only)* | 267.4516% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 3,879 |
| Loan loss allowance to noncurrent loans | 37.8158% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.8366% | 619 |
| Noncurrent loans to loans | 2.5981% | 493 |
| Net loans and leases to total assets | 69.9445% | 2,657 |
| Net loans and leases to deposits | 95.9972% | 1,159 |
| Net loans and leases to core deposits | 104.9017% | 1,388 |
| Total domestic deposits to total assets | 72.8610% | 5,068 |
| Equity capital to assets | 11.0907% | 2,586 |
| Core capital (leverage) ratio | 11.4483% | 2,214 |
| Tier 1 risk-based capital ratio | 20.2932% | 1,280 |
| Total risk-based capital ratio | 21.5429% | 1,260 |
| Memoranda: | ||
| Average total assets | $71,855,750 | 4,605 |
| Average earning assets | $66,567,750 | 4,599 |
| Average equity | $8,268,000 | 4,609 |
| Average total loans | $51,506,000 | 4,329 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 1,097 |
| Cost of funding earning assets | 0.7960% | 1,142 |
| Net interest margin | 4.0676% | 1,647 |
| Noninterest income to average assets | 0.5073% | 2,816 |
| Noninterest expense to average assets | 4.4871% | 297 |
| Loan and lease loss provision to assets | 0.0757% | 2,383 |
| Net operating income to assets | 0.0729% | 5,312 |
| Return on assets (ROA) | 0.0729% | 5,304 |
| Pretax return on assets | -0.2887% | 5,404 |
| Return on Equity (ROE) | 0.6256% | 5,298 |
| Retained earnings to average equity (ytd only) | -2.2616% | 5,173 |
| Net charge-offs to loans | 0.0156% | 2,622 |
| Credit loss provision to net charge-offs | 675.0000% | 573 |
| Earnings coverage of net charge-offs (x) | -19.0000% | 3,192 |
| Efficiency ratio | 104.9836% | 122 |
| Assets per employee ($millions) | 3.4690% | 4,638 |
| Cash dividends to net income (ytd only)* | 461.5385% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 4,223 |
| Loan loss allowance to noncurrent loans | 37.6654% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.8367% | 625 |
| Noncurrent loans to loans | 2.4548% | 535 |
| Net loans and leases to total assets | 71.1915% | 2,411 |
| Net loans and leases to deposits | 102.9906% | 594 |
| Net loans and leases to core deposits | 116.4440% | 694 |
| Total domestic deposits to total assets | 69.1242% | 5,304 |
| Equity capital to assets | 11.2766% | 2,382 |
| Core capital (leverage) ratio | 11.6325% | 1,956 |
| Tier 1 risk-based capital ratio | 20.8334% | 1,207 |
| Total risk-based capital ratio | 22.0463% | 1,184 |
| Memoranda: | ||
| Average total assets | $71,360,670 | 4,660 |
| Average earning assets | $66,082,670 | 4,655 |
| Average equity | $8,312,670 | 4,642 |
| Average total loans | $51,405,670 | 4,364 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 776 |
| Cost of funding earning assets | 0.7395% | 1,245 |
| Net interest margin | 4.2108% | 1,152 |
| Noninterest income to average assets | 0.5211% | 2,679 |
| Noninterest expense to average assets | 3.8065% | 671 |
| Loan and lease loss provision to assets | 0.0850% | 2,102 |
| Net operating income to assets | 0.6004% | 4,424 |
| Return on assets (ROA) | 0.6004% | 4,431 |
| Pretax return on assets | 0.5325% | 4,821 |
| Return on Equity (ROE) | 5.0709% | 4,466 |
| Retained earnings to average equity (ytd only) | 2.2006% | 4,292 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0435% | 646 |
| Assets per employee ($millions) | 3.4041% | 4,787 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 4,327 |
| Loan loss allowance to noncurrent loans | 44.8960% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.5667% | 869 |
| Noncurrent loans to loans | 2.0631% | 758 |
| Net loans and leases to total assets | 71.0717% | 2,319 |
| Net loans and leases to deposits | 97.9337% | 866 |
| Net loans and leases to core deposits | 105.9097% | 1,243 |
| Total domestic deposits to total assets | 72.5712% | 5,245 |
| Equity capital to assets | 11.6958% | 1,996 |
| Core capital (leverage) ratio | 11.9086% | 1,709 |
| Tier 1 risk-based capital ratio | 20.5523% | 1,256 |
| Total risk-based capital ratio | 21.7071% | 1,251 |
| Memoranda: | ||
| Average total assets | $70,616,000 | 4,729 |
| Average earning assets | $65,450,000 | 4,723 |
| Average equity | $8,361,500 | 4,687 |
| Average total loans | $50,935,000 | 4,421 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 685 |
| Cost of funding earning assets | 0.7059% | 993 |
| Net interest margin | 4.2621% | 1,051 |
| Noninterest income to average assets | 0.5570% | 2,669 |
| Noninterest expense to average assets | 3.8555% | 650 |
| Loan and lease loss provision to assets | 0.0950% | 2,304 |
| Net operating income to assets | 0.5731% | 4,128 |
| Return on assets (ROA) | 0.5731% | 4,162 |
| Pretax return on assets | 0.5527% | 4,842 |
| Return on Equity (ROE) | 4.7228% | 4,282 |
| Retained earnings to average equity (ytd only) | 1.9518% | 4,154 |
| Net charge-offs to loans | 0.0941% | 2,139 |
| Credit loss provision to net charge-offs | 144.4444% | 1,839 |
| Earnings coverage of net charge-offs (x) | 9.8444% | 2,740 |
| Efficiency ratio | 85.6169% | 663 |
| Assets per employee ($millions) | 3.4873% | 4,715 |
| Cash dividends to net income (ytd only)* | 58.6735% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 4,410 |
| Loan loss allowance to noncurrent loans | 45.1961% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.5958% | 836 |
| Noncurrent loans to loans | 2.0163% | 755 |
| Net loans and leases to total assets | 71.8718% | 2,258 |
| Net loans and leases to deposits | 97.9770% | 904 |
| Net loans and leases to core deposits | 106.0732% | 1,260 |
| Total domestic deposits to total assets | 73.3558% | 5,236 |
| Equity capital to assets | 11.9894% | 1,846 |
| Core capital (leverage) ratio | 12.0369% | 1,586 |
| Tier 1 risk-based capital ratio | 20.5851% | 1,213 |
| Total risk-based capital ratio | 21.7145% | 1,205 |
| Memoranda: | ||
| Average total assets | $68,396,600 | 4,807 |
| Average earning assets | $63,325,000 | 4,798 |
| Average equity | $8,300,200 | 4,736 |
| Average total loans | $47,845,600 | 4,516 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 640 |
| Cost of funding earning assets | 0.6898% | 1,014 |
| Net interest margin | 4.2892% | 946 |
| Noninterest income to average assets | 0.5779% | 2,592 |
| Noninterest expense to average assets | 3.8651% | 625 |
| Loan and lease loss provision to assets | 0.1077% | 1,974 |
| Net operating income to assets | 0.5955% | 4,408 |
| Return on assets (ROA) | 0.5955% | 4,447 |
| Pretax return on assets | 0.5760% | 4,886 |
| Return on Equity (ROE) | 4.8924% | 4,567 |
| Retained earnings to average equity (ytd only) | 2.1565% | 4,565 |
| Net charge-offs to loans | 0.0424% | 2,593 |
| Credit loss provision to net charge-offs | 366.6667% | 834 |
| Earnings coverage of net charge-offs (x) | 23.2660% | 1,821 |
| Efficiency ratio | 84.9699% | 687 |
| Assets per employee ($millions) | 3.2823% | 4,983 |
| Cash dividends to net income (ytd only)* | 55.9212% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 4,183 |
| Loan loss allowance to noncurrent loans | 52.6718% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.3768% | 1,140 |
| Noncurrent loans to loans | 1.8614% | 937 |
| Net loans and leases to total assets | 70.7699% | 2,445 |
| Net loans and leases to deposits | 96.9666% | 1,009 |
| Net loans and leases to core deposits | 113.1337% | 882 |
| Total domestic deposits to total assets | 72.9838% | 5,310 |
| Equity capital to assets | 12.1603% | 1,859 |
| Core capital (leverage) ratio | 12.1547% | 1,600 |
| Tier 1 risk-based capital ratio | 21.5710% | 1,104 |
| Total risk-based capital ratio | 22.8153% | 1,085 |
| Memoranda: | ||
| Average total assets | $68,059,500 | 4,859 |
| Average earning assets | $63,009,500 | 4,851 |
| Average equity | $8,284,750 | 4,786 |
| Average total loans | $47,160,000 | 4,575 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 534 |
| Cost of funding earning assets | 0.6890% | 945 |
| Net interest margin | 4.3444% | 773 |
| Noninterest income to average assets | 0.6227% | 2,363 |
| Noninterest expense to average assets | 3.9988% | 529 |
| Loan and lease loss provision to assets | 0.1180% | 1,739 |
| Net operating income to assets | 0.5666% | 4,444 |
| Return on assets (ROA) | 0.5666% | 4,496 |
| Pretax return on assets | 0.5253% | 4,961 |
| Return on Equity (ROE) | 4.6532% | 4,615 |
| Retained earnings to average equity (ytd only) | 2.8356% | 4,021 |
| Net charge-offs to loans | 0.0689% | 1,942 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 2,123 |
| Efficiency ratio | 86.1411% | 683 |
| Assets per employee ($millions) | 3.4500% | 4,795 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 4,254 |
| Loan loss allowance to noncurrent loans | 67.4820% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.1551% | 1,491 |
| Noncurrent loans to loans | 1.4566% | 1,298 |
| Net loans and leases to total assets | 68.4720% | 2,739 |
| Net loans and leases to deposits | 93.6955% | 1,292 |
| Net loans and leases to core deposits | 114.1432% | 795 |
| Total domestic deposits to total assets | 73.0793% | 5,380 |
| Equity capital to assets | 12.1234% | 1,849 |
| Core capital (leverage) ratio | 12.0570% | 1,600 |
| Tier 1 risk-based capital ratio | 21.7231% | 1,082 |
| Total risk-based capital ratio | 22.9423% | 1,065 |
| Memoranda: | ||
| Average total assets | $67,769,670 | 4,908 |
| Average earning assets | $62,702,000 | 4,891 |
| Average equity | $8,252,330 | 4,815 |
| Average total loans | $46,458,670 | 4,620 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 512 |
| Cost of funding earning assets | 0.6827% | 916 |
| Net interest margin | 4.3344% | 723 |
| Noninterest income to average assets | 0.6254% | 2,293 |
| Noninterest expense to average assets | 3.9431% | 576 |
| Loan and lease loss provision to assets | 0.1191% | 1,604 |
| Net operating income to assets | 0.5837% | 4,225 |
| Return on assets (ROA) | 0.5837% | 4,272 |
| Pretax return on assets | 0.5718% | 4,790 |
| Return on Equity (ROE) | 4.7828% | 4,492 |
| Retained earnings to average equity (ytd only) | 3.3187% | 3,777 |
| Net charge-offs to loans | -0.0175% | 4,672 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0900% | 884 |
| Assets per employee ($millions) | 3.4840% | 4,810 |
| Cash dividends to net income (ytd only)* | 30.6122% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,265 |
| Loan loss allowance to noncurrent loans | 92.6587% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 1,980 |
| Noncurrent loans to loans | 1.0813% | 1,893 |
| Net loans and leases to total assets | 66.2251% | 2,941 |
| Net loans and leases to deposits | 86.7746% | 1,943 |
| Net loans and leases to core deposits | 112.5460% | 745 |
| Total domestic deposits to total assets | 76.3185% | 5,198 |
| Equity capital to assets | 11.8443% | 1,945 |
| Core capital (leverage) ratio | 12.1788% | 1,515 |
| Tier 1 risk-based capital ratio | 21.5798% | 1,139 |
| Total risk-based capital ratio | 22.7928% | 1,126 |
| Memoranda: | ||
| Average total assets | $67,155,000 | 4,966 |
| Average earning assets | $62,108,500 | 4,948 |
| Average equity | $8,196,000 | 4,861 |
| Average total loans | $45,831,000 | 4,681 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1256% | 477 |
| Cost of funding earning assets | 0.6918% | 845 |
| Net interest margin | 4.4338% | 719 |
| Noninterest income to average assets | 0.6911% | 2,213 |
| Noninterest expense to average assets | 4.1806% | 498 |
| Loan and lease loss provision to assets | 0.1536% | 1,631 |
| Net operating income to assets | 0.5022% | 4,622 |
| Return on assets (ROA) | 0.5928% | 4,350 |
| Pretax return on assets | 0.5913% | 4,812 |
| Return on Equity (ROE) | 4.7316% | 4,550 |
| Retained earnings to average equity (ytd only) | 2.5006% | 4,089 |
| Net charge-offs to loans | 0.4219% | 618 |
| Credit loss provision to net charge-offs | 53.1915% | 3,340 |
| Earnings coverage of net charge-offs (x) | 2.2660% | 3,856 |
| Efficiency ratio | 86.4676% | 783 |
| Assets per employee ($millions) | 3.5906% | 4,624 |
| Cash dividends to net income (ytd only)* | 47.1503% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 4,366 |
| Loan loss allowance to noncurrent loans | 89.2430% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.1589% | 1,584 |
| Noncurrent loans to loans | 1.1143% | 1,855 |
| Net loans and leases to total assets | 69.0102% | 2,619 |
| Net loans and leases to deposits | 97.2696% | 885 |
| Net loans and leases to core deposits | 117.2349% | 571 |
| Total domestic deposits to total assets | 70.9474% | 5,617 |
| Equity capital to assets | 12.5930% | 1,466 |
| Core capital (leverage) ratio | 12.4186% | 1,378 |
| Tier 1 risk-based capital ratio | 22.5235% | 1,011 |
| Total risk-based capital ratio | 23.7481% | 999 |
| Memoranda: | ||
| Average total assets | $65,110,000 | 5,028 |
| Average earning assets | $60,851,400 | 4,999 |
| Average equity | $8,158,000 | 4,906 |
| Average total loans | $44,565,600 | 4,729 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 472 |
| Cost of funding earning assets | 0.6929% | 844 |
| Net interest margin | 4.4322% | 732 |
| Noninterest income to average assets | 0.6725% | 2,300 |
| Noninterest expense to average assets | 4.1861% | 488 |
| Loan and lease loss provision to assets | 0.1635% | 1,402 |
| Net operating income to assets | 0.4824% | 4,758 |
| Return on assets (ROA) | 0.6030% | 4,395 |
| Pretax return on assets | 0.6009% | 4,874 |
| Return on Equity (ROE) | 4.8185% | 4,591 |
| Retained earnings to average equity (ytd only) | 2.8258% | 4,198 |
| Net charge-offs to loans | 0.5130% | 412 |
| Credit loss provision to net charge-offs | 46.7836% | 3,076 |
| Earnings coverage of net charge-offs (x) | 1.8421% | 3,653 |
| Efficiency ratio | 86.6695% | 768 |
| Assets per employee ($millions) | 3.5220% | 4,746 |
| Cash dividends to net income (ytd only)* | 41.3556% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 4,433 |
| Loan loss allowance to noncurrent loans | 60.0543% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.5048% | 1,188 |
| Noncurrent loans to loans | 1.6596% | 1,283 |
| Net loans and leases to total assets | 65.6101% | 3,187 |
| Net loans and leases to deposits | 87.8961% | 2,029 |
| Net loans and leases to core deposits | 118.4477% | 560 |
| Total domestic deposits to total assets | 74.6451% | 5,374 |
| Equity capital to assets | 12.3435% | 1,870 |
| Core capital (leverage) ratio | 12.1940% | 1,552 |
| Tier 1 risk-based capital ratio | 23.1939% | 979 |
| Total risk-based capital ratio | 24.4427% | 965 |
| Memoranda: | ||
| Average total assets | $65,229,750 | 5,067 |
| Average earning assets | $61,187,500 | 5,033 |
| Average equity | $8,162,750 | 4,954 |
| Average total loans | $44,444,500 | 4,773 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2696% | 381 |
| Cost of funding earning assets | 0.7004% | 806 |
| Net interest margin | 4.5692% | 535 |
| Noninterest income to average assets | 0.6186% | 2,514 |
| Noninterest expense to average assets | 4.2309% | 479 |
| Loan and lease loss provision to assets | 0.1856% | 1,171 |
| Net operating income to assets | 0.5227% | 4,595 |
| Return on assets (ROA) | 0.5845% | 4,459 |
| Pretax return on assets | 0.5412% | 5,045 |
| Return on Equity (ROE) | 4.6493% | 4,658 |
| Retained earnings to average equity (ytd only) | 2.7059% | 4,183 |
| Net charge-offs to loans | 0.6295% | 332 |
| Credit loss provision to net charge-offs | 42.8571% | 2,746 |
| Earnings coverage of net charge-offs (x) | 1.5357% | 3,398 |
| Efficiency ratio | 86.4182% | 844 |
| Assets per employee ($millions) | 3.3696% | 4,975 |
| Cash dividends to net income (ytd only)* | 41.7989% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 4,381 |
| Loan loss allowance to noncurrent loans | 65.6069% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4792% | 1,303 |
| Noncurrent loans to loans | 1.5617% | 1,381 |
| Net loans and leases to total assets | 68.5030% | 2,708 |
| Net loans and leases to deposits | 93.2929% | 1,367 |
| Net loans and leases to core deposits | 117.4626% | 592 |
| Total domestic deposits to total assets | 73.4279% | 5,573 |
| Equity capital to assets | 12.8706% | 1,577 |
| Core capital (leverage) ratio | 12.2679% | 1,478 |
| Tier 1 risk-based capital ratio | 23.5040% | 964 |
| Total risk-based capital ratio | 24.7533% | 936 |
| Memoranda: | ||
| Average total assets | $64,667,000 | 5,131 |
| Average earning assets | $60,536,330 | 5,097 |
| Average equity | $8,130,330 | 5,001 |
| Average total loans | $44,477,000 | 4,813 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2030% | 415 |
| Cost of funding earning assets | 0.6955% | 822 |
| Net interest margin | 4.5075% | 598 |
| Noninterest income to average assets | 0.6155% | 2,441 |
| Noninterest expense to average assets | 4.0745% | 564 |
| Loan and lease loss provision to assets | 0.1846% | 1,079 |
| Net operating income to assets | 0.5847% | 4,249 |
| Return on assets (ROA) | 0.5847% | 4,366 |
| Pretax return on assets | 0.5847% | 4,863 |
| Return on Equity (ROE) | 4.7056% | 4,624 |
| Retained earnings to average equity (ytd only) | 3.0215% | 4,004 |
| Net charge-offs to loans | 0.6194% | 358 |
| Credit loss provision to net charge-offs | 43.4783% | 2,115 |
| Earnings coverage of net charge-offs (x) | 1.8116% | 2,770 |
| Efficiency ratio | 84.1169% | 1,146 |
| Assets per employee ($millions) | 3.5299% | 4,771 |
| Cash dividends to net income (ytd only)* | 35.7895% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 4,056 |
| Loan loss allowance to noncurrent loans | 76.3240% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 1,770 |
| Noncurrent loans to loans | 1.4396% | 1,649 |
| Net loans and leases to total assets | 65.7646% | 2,986 |
| Net loans and leases to deposits | 87.9291% | 1,835 |
| Net loans and leases to core deposits | 119.0504% | 492 |
| Total domestic deposits to total assets | 74.7927% | 5,542 |
| Equity capital to assets | 12.1340% | 1,935 |
| Core capital (leverage) ratio | 12.4279% | 1,368 |
| Tier 1 risk-based capital ratio | 23.4675% | 969 |
| Total risk-based capital ratio | 24.7196% | 961 |
| Memoranda: | ||
| Average total assets | $64,989,500 | 5,181 |
| Average earning assets | $60,965,000 | 5,130 |
| Average equity | $8,075,500 | 5,047 |
| Average total loans | $44,560,000 | 4,850 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 362 |
| Cost of funding earning assets | 0.7782% | 548 |
| Net interest margin | 4.5320% | 621 |
| Noninterest income to average assets | 0.6313% | 2,557 |
| Noninterest expense to average assets | 4.1275% | 583 |
| Loan and lease loss provision to assets | 0.2161% | 962 |
| Net operating income to assets | 0.4476% | 4,890 |
| Return on assets (ROA) | 0.6020% | 4,358 |
| Pretax return on assets | 0.6668% | 4,626 |
| Return on Equity (ROE) | 4.7884% | 4,611 |
| Retained earnings to average equity (ytd only) | -3.8185% | 5,861 |
| Net charge-offs to loans | 0.1681% | 1,683 |
| Credit loss provision to net charge-offs | 181.8182% | 1,499 |
| Earnings coverage of net charge-offs (x) | 6.1299% | 3,272 |
| Efficiency ratio | 84.9968% | 1,089 |
| Assets per employee ($millions) | 3.3111% | 5,135 |
| Cash dividends to net income (ytd only)* | 179.7436% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 3,518 |
| Loan loss allowance to noncurrent loans | 49.6269% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.9265% | 938 |
| Noncurrent loans to loans | 2.4077% | 783 |
| Net loans and leases to total assets | 69.9258% | 2,372 |
| Net loans and leases to deposits | 98.5395% | 778 |
| Net loans and leases to core deposits | 121.7003% | 432 |
| Total domestic deposits to total assets | 70.9622% | 5,853 |
| Equity capital to assets | 12.7370% | 1,497 |
| Core capital (leverage) ratio | 12.7037% | 1,261 |
| Tier 1 risk-based capital ratio | 22.6054% | 1,066 |
| Total risk-based capital ratio | 23.8572% | 1,050 |
| Memoranda: | ||
| Average total assets | $64,784,600 | 5,205 |
| Average earning assets | $60,392,400 | 5,174 |
| Average equity | $8,144,600 | 5,032 |
| Average total loans | $45,802,400 | 4,802 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 355 |
| Cost of funding earning assets | 0.7945% | 510 |
| Net interest margin | 4.5390% | 601 |
| Noninterest income to average assets | 0.6763% | 2,346 |
| Noninterest expense to average assets | 4.0396% | 636 |
| Loan and lease loss provision to assets | 0.2452% | 711 |
| Net operating income to assets | 0.4577% | 4,942 |
| Return on assets (ROA) | 0.6620% | 4,182 |
| Pretax return on assets | 0.8214% | 4,270 |
| Return on Equity (ROE) | 5.2827% | 4,502 |
| Retained earnings to average equity (ytd only) | -5.5110% | 6,040 |
| Net charge-offs to loans | 0.2139% | 1,218 |
| Credit loss provision to net charge-offs | 162.1622% | 1,586 |
| Earnings coverage of net charge-offs (x) | 5.7029% | 3,167 |
| Efficiency ratio | 82.4093% | 1,341 |
| Assets per employee ($millions) | 3.4768% | 4,836 |
| Cash dividends to net income (ytd only)* | 204.3195% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 4,002 |
| Loan loss allowance to noncurrent loans | 43.7553% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 1.9997% | 1,027 |
| Noncurrent loans to loans | 2.6035% | 758 |
| Net loans and leases to total assets | 67.6552% | 2,742 |
| Net loans and leases to deposits | 94.3966% | 1,157 |
| Net loans and leases to core deposits | 119.6472% | 482 |
| Total domestic deposits to total assets | 71.6712% | 5,886 |
| Equity capital to assets | 12.0845% | 2,044 |
| Core capital (leverage) ratio | 12.1805% | 1,576 |
| Tier 1 risk-based capital ratio | 22.2913% | 1,152 |
| Total risk-based capital ratio | 23.5422% | 1,134 |
| Memoranda: | ||
| Average total assets | $65,253,000 | 5,263 |
| Average earning assets | $60,745,750 | 5,225 |
| Average equity | $8,177,500 | 5,091 |
| Average total loans | $46,122,250 | 4,842 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 304 |
| Cost of funding earning assets | 0.8118% | 467 |
| Net interest margin | 4.6058% | 528 |
| Noninterest income to average assets | 0.8125% | 1,726 |
| Noninterest expense to average assets | 4.0256% | 658 |
| Loan and lease loss provision to assets | 0.3078% | 487 |
| Net operating income to assets | 0.5017% | 4,762 |
| Return on assets (ROA) | 0.8094% | 3,433 |
| Pretax return on assets | 1.0649% | 3,324 |
| Return on Equity (ROE) | 6.3817% | 3,943 |
| Retained earnings to average equity (ytd only) | -8.6626% | 6,151 |
| Net charge-offs to loans | 0.1852% | 1,345 |
| Credit loss provision to net charge-offs | 232.5581% | 1,098 |
| Earnings coverage of net charge-offs (x) | 8.0465% | 2,603 |
| Efficiency ratio | 79.0810% | 1,903 |
| Assets per employee ($millions) | 3.5904% | 4,638 |
| Cash dividends to net income (ytd only)* | 235.7414% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 4,087 |
| Loan loss allowance to noncurrent loans | 61.0209% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.7717% | 1,312 |
| Noncurrent loans to loans | 1.8823% | 1,327 |
| Net loans and leases to total assets | 70.0439% | 2,307 |
| Net loans and leases to deposits | 100.0265% | 655 |
| Net loans and leases to core deposits | 122.9441% | 392 |
| Total domestic deposits to total assets | 70.0254% | 6,035 |
| Equity capital to assets | 12.2702% | 1,829 |
| Core capital (leverage) ratio | 12.0761% | 1,609 |
| Tier 1 risk-based capital ratio | 22.1993% | 1,173 |
| Total risk-based capital ratio | 23.4493% | 1,161 |
| Memoranda: | ||
| Average total assets | $64,984,000 | 5,323 |
| Average earning assets | $60,358,330 | 5,301 |
| Average equity | $8,242,330 | 5,116 |
| Average total loans | $46,427,000 | 4,875 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4603% | 278 |
| Cost of funding earning assets | 0.8273% | 430 |
| Net interest margin | 4.6330% | 467 |
| Noninterest income to average assets | 0.2947% | 4,816 |
| Noninterest expense to average assets | 3.8550% | 824 |
| Loan and lease loss provision to assets | 0.2455% | 679 |
| Net operating income to assets | 0.4849% | 4,747 |
| Return on assets (ROA) | 1.0988% | 1,984 |
| Pretax return on assets | 1.1049% | 3,051 |
| Return on Equity (ROE) | 8.5253% | 2,684 |
| Retained earnings to average equity (ytd only) | 4.4770% | 3,334 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9572% | 1,389 |
| Assets per employee ($millions) | 3.4484% | 4,995 |
| Cash dividends to net income (ytd only)* | 47.4860% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 4,569 |
| Loan loss allowance to noncurrent loans | 66.4491% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.7720% | 1,383 |
| Noncurrent loans to loans | 1.6400% | 1,702 |
| Net loans and leases to total assets | 70.5082% | 2,068 |
| Net loans and leases to deposits | 95.6955% | 850 |
| Net loans and leases to core deposits | 114.5162% | 558 |
| Total domestic deposits to total assets | 73.6798% | 5,927 |
| Equity capital to assets | 12.9274% | 1,439 |
| Core capital (leverage) ratio | 12.9351% | 1,177 |
| Tier 1 risk-based capital ratio | 22.4406% | 1,176 |
| Total risk-based capital ratio | 23.6908% | 1,161 |
| Memoranda: | ||
| Average total assets | $65,162,000 | 5,372 |
| Average earning assets | $60,436,000 | 5,345 |
| Average equity | $8,398,500 | 5,114 |
| Average total loans | $46,743,500 | 4,889 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 268 |
| Cost of funding earning assets | 0.9239% | 337 |
| Net interest margin | 4.6852% | 533 |
| Noninterest income to average assets | 0.5680% | 3,068 |
| Noninterest expense to average assets | 4.1295% | 660 |
| Loan and lease loss provision to assets | 0.2751% | 778 |
| Net operating income to assets | 0.4881% | 4,856 |
| Return on assets (ROA) | 0.5265% | 4,786 |
| Pretax return on assets | 0.5147% | 5,213 |
| Return on Equity (ROE) | 4.3510% | 4,956 |
| Retained earnings to average equity (ytd only) | 1.8333% | 4,886 |
| Net charge-offs to loans | 0.8583% | 389 |
| Credit loss provision to net charge-offs | 43.7647% | 3,612 |
| Earnings coverage of net charge-offs (x) | 1.1953% | 4,477 |
| Efficiency ratio | 84.6061% | 1,332 |
| Assets per employee ($millions) | 3.0859% | 5,581 |
| Cash dividends to net income (ytd only)* | 57.8652% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 4,996 |
| Loan loss allowance to noncurrent loans | 55.5294% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.0307% | 1,250 |
| Noncurrent loans to loans | 1.8170% | 1,579 |
| Net loans and leases to total assets | 71.4601% | 2,004 |
| Net loans and leases to deposits | 98.0147% | 756 |
| Net loans and leases to core deposits | 120.0648% | 407 |
| Total domestic deposits to total assets | 72.9075% | 6,023 |
| Equity capital to assets | 12.8495% | 1,441 |
| Core capital (leverage) ratio | 12.6408% | 1,288 |
| Tier 1 risk-based capital ratio | 24.3830% | 908 |
| Total risk-based capital ratio | 25.6214% | 888 |
| Memoranda: | ||
| Average total assets | $67,611,000 | 5,358 |
| Average earning assets | $62,238,800 | 5,332 |
| Average equity | $8,182,000 | 5,156 |
| Average total loans | $49,516,000 | 4,835 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 264 |
| Cost of funding earning assets | 0.9255% | 353 |
| Net interest margin | 4.6975% | 505 |
| Noninterest income to average assets | 0.5523% | 3,191 |
| Noninterest expense to average assets | 4.0967% | 689 |
| Loan and lease loss provision to assets | 0.2459% | 885 |
| Net operating income to assets | 0.5236% | 4,781 |
| Return on assets (ROA) | 0.5738% | 4,651 |
| Pretax return on assets | 0.5797% | 5,088 |
| Return on Equity (ROE) | 4.8122% | 4,813 |
| Retained earnings to average equity (ytd only) | 1.9151% | 5,099 |
| Net charge-offs to loans | 0.9562% | 326 |
| Credit loss provision to net charge-offs | 35.0000% | 3,375 |
| Earnings coverage of net charge-offs (x) | 1.1028% | 4,229 |
| Efficiency ratio | 84.0946% | 1,379 |
| Assets per employee ($millions) | 2.9143% | 5,829 |
| Cash dividends to net income (ytd only)* | 60.2031% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 5,310 |
| Loan loss allowance to noncurrent loans | 35.0333% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 2.5900% | 998 |
| Noncurrent loans to loans | 2.7880% | 997 |
| Net loans and leases to total assets | 71.6954% | 1,908 |
| Net loans and leases to deposits | 99.1152% | 662 |
| Net loans and leases to core deposits | 122.9746% | 331 |
| Total domestic deposits to total assets | 72.3354% | 6,149 |
| Equity capital to assets | 12.3202% | 1,812 |
| Core capital (leverage) ratio | 12.2932% | 1,516 |
| Tier 1 risk-based capital ratio | 23.3872% | 1,064 |
| Total risk-based capital ratio | 24.6385% | 1,050 |
| Memoranda: | ||
| Average total assets | $68,312,750 | 5,396 |
| Average earning assets | $62,811,750 | 5,375 |
| Average equity | $8,145,750 | 5,209 |
| Average total loans | $50,199,750 | 4,855 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6670% | 232 |
| Cost of funding earning assets | 0.9255% | 370 |
| Net interest margin | 4.7416% | 453 |
| Noninterest income to average assets | 0.4888% | 3,561 |
| Noninterest expense to average assets | 3.9889% | 775 |
| Loan and lease loss provision to assets | 0.1920% | 1,273 |
| Net operating income to assets | 0.6184% | 4,258 |
| Return on assets (ROA) | 0.6895% | 3,989 |
| Pretax return on assets | 0.7361% | 4,513 |
| Return on Equity (ROE) | 5.8458% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.8613% | 4,385 |
| Net charge-offs to loans | 1.1467% | 277 |
| Credit loss provision to net charge-offs | 22.6804% | 3,160 |
| Earnings coverage of net charge-offs (x) | 1.0069% | 3,912 |
| Efficiency ratio | 82.3918% | 1,703 |
| Assets per employee ($millions) | 2.9313% | 5,854 |
| Cash dividends to net income (ytd only)* | 51.0549% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 5,450 |
| Loan loss allowance to noncurrent loans | 41.5808% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 2.2159% | 1,365 |
| Noncurrent loans to loans | 2.3484% | 1,360 |
| Net loans and leases to total assets | 72.7978% | 1,603 |
| Net loans and leases to deposits | 100.4256% | 534 |
| Net loans and leases to core deposits | 125.1619% | 281 |
| Total domestic deposits to total assets | 72.4893% | 6,217 |
| Equity capital to assets | 12.2380% | 1,826 |
| Core capital (leverage) ratio | 11.9664% | 1,678 |
| Tier 1 risk-based capital ratio | 22.7716% | 1,146 |
| Total risk-based capital ratio | 24.0176% | 1,130 |
| Memoranda: | ||
| Average total assets | $68,741,000 | 5,429 |
| Average earning assets | $63,101,670 | 5,418 |
| Average equity | $8,108,330 | 5,244 |
| Average total loans | $50,756,330 | 4,872 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7058% | 219 |
| Cost of funding earning assets | 0.9268% | 397 |
| Net interest margin | 4.7790% | 399 |
| Noninterest income to average assets | 0.5072% | 3,354 |
| Noninterest expense to average assets | 3.9020% | 857 |
| Loan and lease loss provision to assets | 0.1960% | 1,195 |
| Net operating income to assets | 0.6991% | 3,696 |
| Return on assets (ROA) | 0.6628% | 3,971 |
| Pretax return on assets | 0.7377% | 4,365 |
| Return on Equity (ROE) | 5.7235% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.1401% | 4,747 |
| Net charge-offs to loans | 1.7448% | 168 |
| Credit loss provision to net charge-offs | 15.1786% | 2,560 |
| Earnings coverage of net charge-offs (x) | 0.7545% | 3,270 |
| Efficiency ratio | 80.0236% | 2,206 |
| Assets per employee ($millions) | 3.1470% | 5,604 |
| Cash dividends to net income (ytd only)* | 62.6087% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 5,460 |
| Loan loss allowance to noncurrent loans | 49.0530% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 2.1998% | 1,505 |
| Noncurrent loans to loans | 2.0692% | 1,789 |
| Net loans and leases to total assets | 72.9645% | 1,432 |
| Net loans and leases to deposits | 101.1817% | 396 |
| Net loans and leases to core deposits | 125.8395% | 232 |
| Total domestic deposits to total assets | 72.1124% | 6,352 |
| Equity capital to assets | 11.7152% | 2,094 |
| Core capital (leverage) ratio | 11.6765% | 1,843 |
| Tier 1 risk-based capital ratio | 21.3300% | 1,410 |
| Total risk-based capital ratio | 22.5814% | 1,386 |
| Memoranda: | ||
| Average total assets | $69,401,000 | 5,459 |
| Average earning assets | $63,444,500 | 5,457 |
| Average equity | $8,037,000 | 5,281 |
| Average total loans | $51,352,000 | 4,886 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7153% | 264 |
| Cost of funding earning assets | 0.9779% | 505 |
| Net interest margin | 4.7374% | 483 |
| Noninterest income to average assets | 0.5415% | 3,463 |
| Noninterest expense to average assets | 3.7545% | 1,210 |
| Loan and lease loss provision to assets | 0.2625% | 1,353 |
| Net operating income to assets | 0.7230% | 3,684 |
| Return on assets (ROA) | 0.7390% | 3,694 |
| Pretax return on assets | 0.8937% | 3,790 |
| Return on Equity (ROE) | 6.7469% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.6194% | 3,648 |
| Net charge-offs to loans | 0.2235% | 2,675 |
| Credit loss provision to net charge-offs | 161.0169% | 1,424 |
| Earnings coverage of net charge-offs (x) | 6.9746% | 2,936 |
| Efficiency ratio | 76.7580% | 2,663 |
| Assets per employee ($millions) | 3.1621% | 5,562 |
| Cash dividends to net income (ytd only)* | 46.3551% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 3,780 |
| Loan loss allowance to noncurrent loans | 62.0841% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 2.3689% | 1,468 |
| Noncurrent loans to loans | 2.2102% | 1,761 |
| Net loans and leases to total assets | 73.2531% | 1,482 |
| Net loans and leases to deposits | 102.0486% | 395 |
| Net loans and leases to core deposits | 127.1362% | 227 |
| Total domestic deposits to total assets | 71.7826% | 6,437 |
| Equity capital to assets | 11.4465% | 2,208 |
| Core capital (leverage) ratio | 11.3330% | 2,085 |
| Tier 1 risk-based capital ratio | 20.8631% | 1,449 |
| Total risk-based capital ratio | 22.1217% | 1,430 |
| Memoranda: | ||
| Average total assets | $72,394,000 | 5,410 |
| Average earning assets | $66,470,400 | 5,394 |
| Average equity | $7,929,600 | 5,356 |
| Average total loans | $52,804,200 | 4,854 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6650% | 290 |
| Cost of funding earning assets | 0.9699% | 571 |
| Net interest margin | 4.6950% | 519 |
| Noninterest income to average assets | 0.5216% | 3,660 |
| Noninterest expense to average assets | 3.7317% | 1,199 |
| Loan and lease loss provision to assets | 0.2371% | 1,519 |
| Net operating income to assets | 0.7123% | 3,800 |
| Return on assets (ROA) | 0.7332% | 3,813 |
| Pretax return on assets | 0.8955% | 3,904 |
| Return on Equity (ROE) | 6.7665% | 3,775 |
| Retained earnings to average equity (ytd only) | 3.5684% | 4,160 |
| Net charge-offs to loans | 0.2059% | 2,590 |
| Credit loss provision to net charge-offs | 158.5366% | 1,486 |
| Earnings coverage of net charge-offs (x) | 7.4025% | 2,804 |
| Efficiency ratio | 77.1202% | 2,539 |
| Assets per employee ($millions) | 3.2684% | 5,344 |
| Cash dividends to net income (ytd only)* | 47.2639% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,402 |
| Loan loss allowance to noncurrent loans | 57.0952% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 2.3559% | 1,667 |
| Noncurrent loans to loans | 2.2744% | 1,927 |
| Net loans and leases to total assets | 72.3047% | 1,554 |
| Net loans and leases to deposits | 101.4914% | 408 |
| Net loans and leases to core deposits | 126.4072% | 235 |
| Total domestic deposits to total assets | 71.2422% | 6,537 |
| Equity capital to assets | 11.0119% | 2,746 |
| Core capital (leverage) ratio | 11.0854% | 2,395 |
| Tier 1 risk-based capital ratio | 20.1426% | 1,704 |
| Total risk-based capital ratio | 21.4235% | 1,667 |
| Memoranda: | ||
| Average total assets | $73,100,750 | 5,446 |
| Average earning assets | $67,218,500 | 5,425 |
| Average equity | $7,921,250 | 5,414 |
| Average total loans | $53,088,000 | 4,885 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7004% | 277 |
| Cost of funding earning assets | 0.9708% | 639 |
| Net interest margin | 4.7296% | 479 |
| Noninterest income to average assets | 0.4844% | 3,935 |
| Noninterest expense to average assets | 3.5728% | 1,460 |
| Loan and lease loss provision to assets | 0.1905% | 1,984 |
| Net operating income to assets | 0.8215% | 3,187 |
| Return on assets (ROA) | 0.8571% | 3,158 |
| Pretax return on assets | 1.1157% | 3,034 |
| Return on Equity (ROE) | 7.9522% | 3,123 |
| Retained earnings to average equity (ytd only) | 4.4431% | 3,442 |
| Net charge-offs to loans | 0.1653% | 2,791 |
| Credit loss provision to net charge-offs | 159.0909% | 1,462 |
| Earnings coverage of net charge-offs (x) | 10.5227% | 2,148 |
| Efficiency ratio | 73.9302% | 3,147 |
| Assets per employee ($millions) | 3.2953% | 5,275 |
| Cash dividends to net income (ytd only)* | 44.1270% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,720 |
| Loan loss allowance to noncurrent loans | 49.0007% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.5587% | 1,641 |
| Noncurrent loans to loans | 2.5596% | 1,800 |
| Net loans and leases to total assets | 71.8926% | 1,595 |
| Net loans and leases to deposits | 100.5867% | 393 |
| Net loans and leases to core deposits | 121.5769% | 294 |
| Total domestic deposits to total assets | 71.4733% | 6,589 |
| Equity capital to assets | 10.8722% | 2,873 |
| Core capital (leverage) ratio | 10.7541% | 2,618 |
| Tier 1 risk-based capital ratio | 19.6487% | 1,811 |
| Total risk-based capital ratio | 20.9274% | 1,781 |
| Memoranda: | ||
| Average total assets | $73,499,670 | 5,475 |
| Average earning assets | $67,574,670 | 5,454 |
| Average equity | $7,922,330 | 5,448 |
| Average total loans | $53,226,000 | 4,906 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7889% | 236 |
| Cost of funding earning assets | 0.9756% | 686 |
| Net interest margin | 4.8133% | 394 |
| Noninterest income to average assets | 0.4324% | 4,232 |
| Noninterest expense to average assets | 3.4648% | 1,695 |
| Loan and lease loss provision to assets | 0.2432% | 1,482 |
| Net operating income to assets | 0.8662% | 2,831 |
| Return on assets (ROA) | 0.9351% | 2,640 |
| Pretax return on assets | 1.2432% | 2,423 |
| Return on Equity (ROE) | 8.7126% | 2,620 |
| Retained earnings to average equity (ytd only) | 6.1442% | 2,604 |
| Net charge-offs to loans | 0.0973% | 2,882 |
| Credit loss provision to net charge-offs | 346.1538% | 710 |
| Earnings coverage of net charge-offs (x) | 19.8462% | 1,205 |
| Efficiency ratio | 71.3014% | 3,750 |
| Assets per employee ($millions) | 3.2607% | 5,521 |
| Cash dividends to net income (ytd only)* | 29.4798% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,898 |
| Loan loss allowance to noncurrent loans | 66.8000% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.1308% | 2,204 |
| Noncurrent loans to loans | 1.8857% | 2,752 |
| Net loans and leases to total assets | 69.8215% | 1,693 |
| Net loans and leases to deposits | 96.5805% | 509 |
| Net loans and leases to core deposits | 119.3509% | 295 |
| Total domestic deposits to total assets | 72.2936% | 6,644 |
| Equity capital to assets | 10.6724% | 3,347 |
| Core capital (leverage) ratio | 10.5889% | 2,666 |
| Tier 1 risk-based capital ratio | 19.4333% | 1,926 |
| Total risk-based capital ratio | 20.7129% | 1,893 |
| Memoranda: | ||
| Average total assets | $74,001,000 | 5,514 |
| Average earning assets | $68,061,000 | 5,493 |
| Average equity | $7,942,500 | 5,502 |
| Average total loans | $53,448,000 | 4,934 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9871% | 268 |
| Cost of funding earning assets | 1.2329% | 498 |
| Net interest margin | 4.7542% | 589 |
| Noninterest income to average assets | 0.4991% | 3,909 |
| Noninterest expense to average assets | 3.4978% | 1,818 |
| Loan and lease loss provision to assets | 0.5405% | 1,065 |
| Net operating income to assets | 0.6591% | 3,940 |
| Return on assets (ROA) | 0.7927% | 3,567 |
| Pretax return on assets | 1.0289% | 3,441 |
| Return on Equity (ROE) | 7.2047% | 3,524 |
| Retained earnings to average equity (ytd only) | -3.7115% | 6,334 |
| Net charge-offs to loans | 0.6471% | 1,816 |
| Credit loss provision to net charge-offs | 111.8785% | 2,604 |
| Earnings coverage of net charge-offs (x) | 2.8895% | 3,983 |
| Efficiency ratio | 71.4753% | 3,523 |
| Assets per employee ($millions) | 3.1741% | 5,687 |
| Cash dividends to net income (ytd only)* | 151.5152% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,210 |
| Loan loss allowance to noncurrent loans | 58.2951% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 2.2848% | 2,149 |
| Noncurrent loans to loans | 2.0255% | 2,668 |
| Net loans and leases to total assets | 72.9101% | 1,350 |
| Net loans and leases to deposits | 101.7491% | 337 |
| Net loans and leases to core deposits | 124.6061% | 235 |
| Total domestic deposits to total assets | 71.6567% | 6,709 |
| Equity capital to assets | 10.7952% | 3,181 |
| Core capital (leverage) ratio | 10.2802% | 3,036 |
| Tier 1 risk-based capital ratio | 19.0338% | 1,947 |
| Total risk-based capital ratio | 20.3116% | 1,910 |
| Memoranda: | ||
| Average total assets | $74,933,400 | 5,484 |
| Average earning assets | $69,265,400 | 5,455 |
| Average equity | $8,244,600 | 5,433 |
| Average total loans | $55,940,000 | 4,866 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9939% | 284 |
| Cost of funding earning assets | 1.2717% | 497 |
| Net interest margin | 4.7222% | 644 |
| Noninterest income to average assets | 0.5056% | 3,891 |
| Noninterest expense to average assets | 3.4475% | 1,888 |
| Loan and lease loss provision to assets | 0.4950% | 1,242 |
| Net operating income to assets | 0.7140% | 3,854 |
| Return on assets (ROA) | 0.8026% | 3,684 |
| Pretax return on assets | 1.0519% | 3,527 |
| Return on Equity (ROE) | 7.2620% | 3,658 |
| Retained earnings to average equity (ytd only) | 3.6630% | 4,311 |
| Net charge-offs to loans | 0.4156% | 2,427 |
| Credit loss provision to net charge-offs | 159.0909% | 1,760 |
| Earnings coverage of net charge-offs (x) | 4.5966% | 3,259 |
| Efficiency ratio | 70.6778% | 3,557 |
| Assets per employee ($millions) | 3.1834% | 5,668 |
| Cash dividends to net income (ytd only)* | 49.5589% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 4,930 |
| Loan loss allowance to noncurrent loans | 44.6795% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.7862% | 1,889 |
| Noncurrent loans to loans | 2.8508% | 1,975 |
| Net loans and leases to total assets | 73.7841% | 1,279 |
| Net loans and leases to deposits | 103.1288% | 306 |
| Net loans and leases to core deposits | 127.2920% | 216 |
| Total domestic deposits to total assets | 71.5456% | 6,762 |
| Equity capital to assets | 11.5530% | 2,699 |
| Core capital (leverage) ratio | 10.9333% | 2,457 |
| Tier 1 risk-based capital ratio | 20.4989% | 1,633 |
| Total risk-based capital ratio | 21.7790% | 1,597 |
| Memoranda: | ||
| Average total assets | $75,415,500 | 5,536 |
| Average earning assets | $69,824,750 | 5,493 |
| Average equity | $8,335,500 | 5,463 |
| Average total loans | $56,459,000 | 4,904 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0039% | 292 |
| Cost of funding earning assets | 1.3093% | 505 |
| Net interest margin | 4.6946% | 682 |
| Noninterest income to average assets | 0.4412% | 4,359 |
| Noninterest expense to average assets | 3.3277% | 2,229 |
| Loan and lease loss provision to assets | 0.5384% | 1,148 |
| Net operating income to assets | 0.7123% | 3,800 |
| Return on assets (ROA) | 0.7328% | 3,965 |
| Pretax return on assets | 0.9429% | 3,907 |
| Return on Equity (ROE) | 6.7275% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.1106% | 4,562 |
| Net charge-offs to loans | 0.4734% | 2,171 |
| Credit loss provision to net charge-offs | 151.8519% | 1,823 |
| Earnings coverage of net charge-offs (x) | 4.1037% | 3,175 |
| Efficiency ratio | 69.5772% | 3,834 |
| Assets per employee ($millions) | 3.2885% | 5,471 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 5,433 |
| Loan loss allowance to noncurrent loans | 45.7182% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 2.8042% | 1,965 |
| Noncurrent loans to loans | 2.5853% | 2,323 |
| Net loans and leases to total assets | 73.1755% | 1,368 |
| Net loans and leases to deposits | 103.4601% | 290 |
| Net loans and leases to core deposits | 132.8477% | 196 |
| Total domestic deposits to total assets | 70.7282% | 6,869 |
| Equity capital to assets | 11.0794% | 3,037 |
| Core capital (leverage) ratio | 10.6400% | 2,673 |
| Tier 1 risk-based capital ratio | 19.5541% | 1,832 |
| Total risk-based capital ratio | 20.8284% | 1,798 |
| Memoranda: | ||
| Average total assets | $76,147,670 | 5,544 |
| Average earning assets | $70,421,000 | 5,510 |
| Average equity | $8,294,330 | 5,480 |
| Average total loans | $57,038,330 | 4,912 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1126% | 260 |
| Cost of funding earning assets | 1.3596% | 488 |
| Net interest margin | 4.7530% | 623 |
| Noninterest income to average assets | 0.5392% | 3,629 |
| Noninterest expense to average assets | 3.3297% | 2,199 |
| Loan and lease loss provision to assets | 0.6649% | 807 |
| Net operating income to assets | 0.7028% | 3,871 |
| Return on assets (ROA) | 0.7382% | 3,928 |
| Pretax return on assets | 0.9842% | 3,731 |
| Return on Equity (ROE) | 6.8351% | 3,870 |
| Retained earnings to average equity (ytd only) | 3.1994% | 4,649 |
| Net charge-offs to loans | 0.5491% | 1,715 |
| Credit loss provision to net charge-offs | 160.7595% | 1,577 |
| Earnings coverage of net charge-offs (x) | 3.8734% | 2,720 |
| Efficiency ratio | 67.5159% | 4,270 |
| Assets per employee ($millions) | 3.4613% | 5,202 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 5,827 |
| Loan loss allowance to noncurrent loans | 60.9524% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.3284% | 2,555 |
| Noncurrent loans to loans | 1.8413% | 3,357 |
| Net loans and leases to total assets | 74.0479% | 1,052 |
| Net loans and leases to deposits | 102.9656% | 282 |
| Net loans and leases to core deposits | 132.8856% | 178 |
| Total domestic deposits to total assets | 71.9152% | 6,886 |
| Equity capital to assets | 10.8775% | 3,055 |
| Core capital (leverage) ratio | 10.3064% | 2,987 |
| Tier 1 risk-based capital ratio | 18.9102% | 2,019 |
| Total risk-based capital ratio | 20.1640% | 1,978 |
| Memoranda: | ||
| Average total assets | $76,403,500 | 5,582 |
| Average earning assets | $70,608,500 | 5,540 |
| Average equity | $8,251,500 | 5,516 |
| Average total loans | $57,553,000 | 4,914 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2251% | 285 |
| Cost of funding earning assets | 1.6184% | 440 |
| Net interest margin | 4.6067% | 911 |
| Noninterest income to average assets | 0.6053% | 3,135 |
| Noninterest expense to average assets | 3.6490% | 1,640 |
| Loan and lease loss provision to assets | 0.1807% | 4,388 |
| Net operating income to assets | 0.7027% | 3,478 |
| Return on assets (ROA) | 0.7359% | 3,485 |
| Pretax return on assets | 1.0814% | 2,908 |
| Return on Equity (ROE) | 6.9583% | 3,423 |
| Retained earnings to average equity (ytd only) | 2.7559% | 4,274 |
| Net charge-offs to loans | 0.5872% | 2,689 |
| Credit loss provision to net charge-offs | 39.4813% | 5,633 |
| Earnings coverage of net charge-offs (x) | 2.6513% | 3,886 |
| Efficiency ratio | 75.0475% | 3,053 |
| Assets per employee ($millions) | 3.6504% | 4,660 |
| Cash dividends to net income (ytd only)* | 60.3943% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 6,143 |
| Loan loss allowance to noncurrent loans | 38.8669% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 2.7681% | 2,194 |
| Noncurrent loans to loans | 2.6136% | 2,503 |
| Net loans and leases to total assets | 74.9945% | 1,088 |
| Net loans and leases to deposits | 105.3896% | 266 |
| Net loans and leases to core deposits | 137.2961% | 183 |
| Total domestic deposits to total assets | 71.1593% | 6,917 |
| Equity capital to assets | 10.7228% | 3,282 |
| Core capital (leverage) ratio | 10.1121% | 3,208 |
| Tier 1 risk-based capital ratio | 18.4487% | 2,064 |
| Total risk-based capital ratio | 19.7031% | 2,026 |
| Memoranda: | ||
| Average total assets | $75,828,200 | 5,574 |
| Average earning assets | $70,071,200 | 5,537 |
| Average equity | $8,019,200 | 5,564 |
| Average total loans | $59,089,600 | 4,900 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2340% | 305 |
| Cost of funding earning assets | 1.6482% | 481 |
| Net interest margin | 4.5859% | 974 |
| Noninterest income to average assets | 0.6894% | 2,671 |
| Noninterest expense to average assets | 3.7202% | 1,452 |
| Loan and lease loss provision to assets | 0.0793% | 5,454 |
| Net operating income to assets | 0.7415% | 3,423 |
| Return on assets (ROA) | 0.7846% | 3,403 |
| Pretax return on assets | 1.1937% | 2,657 |
| Return on Equity (ROE) | 7.4454% | 3,301 |
| Retained earnings to average equity (ytd only) | 1.8070% | 5,232 |
| Net charge-offs to loans | 0.4651% | 2,877 |
| Credit loss provision to net charge-offs | 21.7391% | 5,536 |
| Earnings coverage of net charge-offs (x) | 3.3092% | 3,486 |
| Efficiency ratio | 75.4919% | 2,920 |
| Assets per employee ($millions) | 3.5122% | 4,962 |
| Cash dividends to net income (ytd only)* | 75.7298% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 5,933 |
| Loan loss allowance to noncurrent loans | 48.5540% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 2.5224% | 2,562 |
| Noncurrent loans to loans | 2.2422% | 3,061 |
| Net loans and leases to total assets | 75.0194% | 1,141 |
| Net loans and leases to deposits | 107.0965% | 226 |
| Net loans and leases to core deposits | 141.8927% | 172 |
| Total domestic deposits to total assets | 70.0484% | 7,038 |
| Equity capital to assets | 10.4545% | 3,766 |
| Core capital (leverage) ratio | 10.0261% | 3,401 |
| Tier 1 risk-based capital ratio | 17.8085% | 2,327 |
| Total risk-based capital ratio | 19.0593% | 2,295 |
| Memoranda: | ||
| Average total assets | $75,620,500 | 5,625 |
| Average earning assets | $69,894,250 | 5,585 |
| Average equity | $7,969,000 | 5,610 |
| Average total loans | $59,342,000 | 4,931 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4240% | 231 |
| Cost of funding earning assets | 1.6593% | 554 |
| Net interest margin | 4.7647% | 639 |
| Noninterest income to average assets | 0.1625% | 6,494 |
| Noninterest expense to average assets | 3.4421% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7273% | 3,402 |
| Return on assets (ROA) | 0.7273% | 3,520 |
| Pretax return on assets | 1.1269% | 2,738 |
| Return on Equity (ROE) | 6.8829% | 3,493 |
| Retained earnings to average equity (ytd only) | 5.0424% | 2,982 |
| Net charge-offs to loans | 0.4598% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.0876% | 3,309 |
| Efficiency ratio | 75.3353% | 3,131 |
| Assets per employee ($millions) | 3.3938% | 5,215 |
| Cash dividends to net income (ytd only)* | 26.7399% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 5,814 |
| Loan loss allowance to noncurrent loans | 59.0383% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.2059% | 2,970 |
| Noncurrent loans to loans | 1.9208% | 3,581 |
| Net loans and leases to total assets | 77.4185% | 856 |
| Net loans and leases to deposits | 113.4705% | 137 |
| Net loans and leases to core deposits | 152.8533% | 136 |
| Total domestic deposits to total assets | 68.2279% | 7,181 |
| Equity capital to assets | 10.8474% | 3,133 |
| Core capital (leverage) ratio | 10.3452% | 2,888 |
| Tier 1 risk-based capital ratio | 18.5768% | 1,976 |
| Total risk-based capital ratio | 19.8273% | 1,942 |
| Memoranda: | ||
| Average total assets | $75,071,330 | 5,689 |
| Average earning assets | $69,427,670 | 5,645 |
| Average equity | $7,932,670 | 5,633 |
| Average total loans | $59,588,000 | 4,973 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6481% | 169 |
| Cost of funding earning assets | 1.6548% | 667 |
| Net interest margin | 4.9932% | 389 |
| Noninterest income to average assets | -0.5633% | 7,505 |
| Noninterest expense to average assets | 3.3636% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4623% | 4,653 |
| Return on assets (ROA) | 0.4623% | 4,736 |
| Pretax return on assets | 0.6908% | 4,341 |
| Return on Equity (ROE) | 4.4334% | 4,689 |
| Retained earnings to average equity (ytd only) | 1.2230% | 5,332 |
| Net charge-offs to loans | 0.1796% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.8148% | 2,392 |
| Efficiency ratio | 82.9620% | 2,086 |
| Assets per employee ($millions) | 3.4722% | 5,061 |
| Cash dividends to net income (ytd only)* | 72.4138% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 5,194 |
| Loan loss allowance to noncurrent loans | 34.0379% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 3.4835% | 1,960 |
| Noncurrent loans to loans | 3.7822% | 1,943 |
| Net loans and leases to total assets | 77.5923% | 785 |
| Net loans and leases to deposits | 112.8818% | 144 |
| Net loans and leases to core deposits | 147.3475% | 161 |
| Total domestic deposits to total assets | 68.7376% | 7,240 |
| Equity capital to assets | 10.2685% | 3,447 |
| Core capital (leverage) ratio | 9.6521% | 3,587 |
| Tier 1 risk-based capital ratio | 17.0335% | 2,459 |
| Total risk-based capital ratio | 18.2827% | 2,435 |
| Memoranda: | ||
| Average total assets | $75,275,500 | 5,719 |
| Average earning assets | $69,614,000 | 5,686 |
| Average equity | $7,849,500 | 5,662 |
| Average total loans | $60,149,000 | 4,996 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7565% | 216 |
| Cost of funding earning assets | 1.9601% | 697 |
| Net interest margin | 4.7963% | 667 |
| Noninterest income to average assets | 0.5344% | 3,925 |
| Noninterest expense to average assets | 3.2980% | 2,744 |
| Loan and lease loss provision to assets | 0.5414% | 2,981 |
| Net operating income to assets | 0.7200% | 3,148 |
| Return on assets (ROA) | 0.7740% | 3,036 |
| Pretax return on assets | 1.1824% | 2,283 |
| Return on Equity (ROE) | 7.2626% | 2,997 |
| Retained earnings to average equity (ytd only) | 4.3394% | 2,801 |
| Net charge-offs to loans | 0.4653% | 3,759 |
| Credit loss provision to net charge-offs | 143.2234% | 2,608 |
| Earnings coverage of net charge-offs (x) | 4.3407% | 2,961 |
| Efficiency ratio | 66.7788% | 4,804 |
| Assets per employee ($millions) | 3.5315% | 4,866 |
| Cash dividends to net income (ytd only)* | 40.2504% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 4,863 |
| Loan loss allowance to noncurrent loans | 32.6797% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 3.9697% | 1,713 |
| Noncurrent loans to loans | 4.0629% | 1,779 |
| Net loans and leases to total assets | 80.1664% | 644 |
| Net loans and leases to deposits | 120.4551% | 113 |
| Net loans and leases to core deposits | 154.1231% | 163 |
| Total domestic deposits to total assets | 66.5530% | 7,372 |
| Equity capital to assets | 10.5917% | 3,072 |
| Core capital (leverage) ratio | 9.8826% | 3,227 |
| Tier 1 risk-based capital ratio | 16.8143% | 2,419 |
| Total risk-based capital ratio | 18.0632% | 2,386 |
| Memoranda: | ||
| Average total assets | $72,224,600 | 5,806 |
| Average earning assets | $66,321,800 | 5,789 |
| Average equity | $7,697,000 | 5,811 |
| Average total loans | $58,672,800 | 5,125 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7986% | 203 |
| Cost of funding earning assets | 2.0163% | 716 |
| Net interest margin | 4.7823% | 699 |
| Noninterest income to average assets | 0.5631% | 3,696 |
| Noninterest expense to average assets | 3.3435% | 2,447 |
| Loan and lease loss provision to assets | 0.5594% | 2,712 |
| Net operating income to assets | 0.6915% | 3,455 |
| Return on assets (ROA) | 0.7639% | 3,317 |
| Pretax return on assets | 1.1560% | 2,652 |
| Return on Equity (ROE) | 7.1563% | 3,276 |
| Retained earnings to average equity (ytd only) | 3.2385% | 4,162 |
| Net charge-offs to loans | 0.5102% | 3,246 |
| Credit loss provision to net charge-offs | 134.9776% | 2,985 |
| Earnings coverage of net charge-offs (x) | 3.8744% | 3,269 |
| Efficiency ratio | 67.5554% | 4,552 |
| Assets per employee ($millions) | 3.4406% | 5,119 |
| Cash dividends to net income (ytd only)* | 54.7437% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 5,125 |
| Loan loss allowance to noncurrent loans | 31.4439% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 4.0511% | 1,721 |
| Noncurrent loans to loans | 4.0316% | 1,854 |
| Net loans and leases to total assets | 81.9244% | 504 |
| Net loans and leases to deposits | 119.7225% | 115 |
| Net loans and leases to core deposits | 147.7989% | 199 |
| Total domestic deposits to total assets | 68.4286% | 7,354 |
| Equity capital to assets | 10.7554% | 3,220 |
| Core capital (leverage) ratio | 9.9266% | 3,323 |
| Tier 1 risk-based capital ratio | 16.7078% | 2,461 |
| Total risk-based capital ratio | 17.9567% | 2,421 |
| Memoranda: | ||
| Average total assets | $71,740,250 | 5,893 |
| Average earning assets | $65,796,250 | 5,866 |
| Average equity | $7,657,500 | 5,895 |
| Average total loans | $58,277,750 | 5,217 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8338% | 191 |
| Cost of funding earning assets | 2.0602% | 753 |
| Net interest margin | 4.7736% | 686 |
| Noninterest income to average assets | 0.5421% | 3,770 |
| Noninterest expense to average assets | 3.2975% | 2,575 |
| Loan and lease loss provision to assets | 0.5896% | 2,422 |
| Net operating income to assets | 0.6824% | 3,473 |
| Return on assets (ROA) | 0.7573% | 3,320 |
| Pretax return on assets | 1.1374% | 2,643 |
| Return on Equity (ROE) | 7.1132% | 3,251 |
| Retained earnings to average equity (ytd only) | 4.4884% | 3,209 |
| Net charge-offs to loans | 0.7484% | 2,367 |
| Credit loss provision to net charge-offs | 97.6852% | 4,191 |
| Earnings coverage of net charge-offs (x) | 2.6759% | 3,659 |
| Efficiency ratio | 67.1217% | 4,738 |
| Assets per employee ($millions) | 3.4330% | 5,092 |
| Cash dividends to net income (ytd only)* | 36.9004% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,642 |
| Loan loss allowance to noncurrent loans | 28.6500% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 4.4373% | 1,498 |
| Noncurrent loans to loans | 4.0576% | 1,862 |
| Net loans and leases to total assets | 79.8402% | 823 |
| Net loans and leases to deposits | 121.4090% | 110 |
| Net loans and leases to core deposits | 143.4946% | 249 |
| Total domestic deposits to total assets | 65.7614% | 7,536 |
| Equity capital to assets | 10.7207% | 3,156 |
| Core capital (leverage) ratio | 9.9184% | 3,260 |
| Tier 1 risk-based capital ratio | 16.7253% | 2,394 |
| Total risk-based capital ratio | 17.9764% | 2,339 |
| Memoranda: | ||
| Average total assets | $71,569,670 | 5,933 |
| Average earning assets | $65,527,670 | 5,909 |
| Average equity | $7,619,670 | 5,919 |
| Average total loans | $57,719,670 | 5,278 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8863% | 201 |
| Cost of funding earning assets | 2.0892% | 841 |
| Net interest margin | 4.7971% | 651 |
| Noninterest income to average assets | 0.5666% | 3,512 |
| Noninterest expense to average assets | 3.3377% | 2,404 |
| Loan and lease loss provision to assets | 0.5049% | 2,473 |
| Net operating income to assets | 0.7362% | 3,277 |
| Return on assets (ROA) | 0.8695% | 2,758 |
| Pretax return on assets | 1.3182% | 2,008 |
| Return on Equity (ROE) | 8.1956% | 2,787 |
| Retained earnings to average equity (ytd only) | 2.9081% | 4,387 |
| Net charge-offs to loans | 0.5778% | 2,361 |
| Credit loss provision to net charge-offs | 108.4337% | 3,174 |
| Earnings coverage of net charge-offs (x) | 3.4819% | 2,895 |
| Efficiency ratio | 67.3077% | 4,848 |
| Assets per employee ($millions) | 3.3975% | 5,302 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 5,511 |
| Loan loss allowance to noncurrent loans | 28.0652% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 4.5300% | 1,491 |
| Noncurrent loans to loans | 4.2702% | 1,788 |
| Net loans and leases to total assets | 79.6151% | 889 |
| Net loans and leases to deposits | 120.0681% | 136 |
| Net loans and leases to core deposits | 140.9364% | 318 |
| Total domestic deposits to total assets | 66.3083% | 7,604 |
| Equity capital to assets | 10.6283% | 3,120 |
| Core capital (leverage) ratio | 9.8542% | 3,335 |
| Tier 1 risk-based capital ratio | 16.8045% | 2,340 |
| Total risk-based capital ratio | 18.0538% | 2,293 |
| Memoranda: | ||
| Average total assets | $71,307,500 | 6,011 |
| Average earning assets | $65,289,000 | 5,985 |
| Average equity | $7,565,000 | 5,989 |
| Average total loans | $57,461,000 | 5,362 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8636% | 340 |
| Cost of funding earning assets | 2.5647% | 866 |
| Net interest margin | 4.2989% | 1,723 |
| Noninterest income to average assets | 0.3836% | 5,350 |
| Noninterest expense to average assets | 3.4371% | 2,564 |
| Loan and lease loss provision to assets | 0.5972% | 3,407 |
| Net operating income to assets | 0.2618% | 4,674 |
| Return on assets (ROA) | 0.3021% | 4,604 |
| Pretax return on assets | 0.3457% | 4,654 |
| Return on Equity (ROE) | 2.9024% | 4,545 |
| Retained earnings to average equity (ytd only) | 1.4715% | 4,035 |
| Net charge-offs to loans | 0.5929% | 3,441 |
| Credit loss provision to net charge-offs | 123.1884% | 4,284 |
| Earnings coverage of net charge-offs (x) | 1.8493% | 4,335 |
| Efficiency ratio | 79.3126% | 2,988 |
| Assets per employee ($millions) | 2.9695% | 6,298 |
| Cash dividends to net income (ytd only)* | 49.3023% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 5,432 |
| Loan loss allowance to noncurrent loans | 23.4284% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 5.1257% | 1,184 |
| Noncurrent loans to loans | 5.0688% | 1,327 |
| Net loans and leases to total assets | 79.6262% | 1,062 |
| Net loans and leases to deposits | 127.7331% | 107 |
| Net loans and leases to core deposits | 151.1184% | 486 |
| Total domestic deposits to total assets | 62.3379% | 7,748 |
| Equity capital to assets | 10.5896% | 3,083 |
| Core capital (leverage) ratio | 9.7854% | 3,341 |
| Tier 1 risk-based capital ratio | 16.1250% | 2,465 |
| Total risk-based capital ratio | 17.3740% | 2,397 |
| Memoranda: | ||
| Average total assets | $71,165,200 | 5,968 |
| Average earning assets | $65,388,400 | 5,948 |
| Average equity | $7,407,600 | 6,123 |
| Average total loans | $58,191,000 | 5,331 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8991% | 354 |
| Cost of funding earning assets | 2.6353% | 940 |
| Net interest margin | 4.2638% | 1,828 |
| Noninterest income to average assets | 0.2736% | 6,276 |
| Noninterest expense to average assets | 3.4317% | 2,472 |
| Loan and lease loss provision to assets | 0.6279% | 2,881 |
| Net operating income to assets | 0.1874% | 5,201 |
| Return on assets (ROA) | 0.1874% | 5,272 |
| Pretax return on assets | 0.1349% | 5,451 |
| Return on Equity (ROE) | 1.8084% | 5,229 |
| Retained earnings to average equity (ytd only) | -0.1085% | 5,232 |
| Net charge-offs to loans | 0.7582% | 2,463 |
| Credit loss provision to net charge-offs | 100.9036% | 5,035 |
| Earnings coverage of net charge-offs (x) | 1.2259% | 4,851 |
| Efficiency ratio | 81.8141% | 2,604 |
| Assets per employee ($millions) | 3.1257% | 5,840 |
| Cash dividends to net income (ytd only)* | 106.0002% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 6,042 |
| Loan loss allowance to noncurrent loans | 23.1979% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 4.6556% | 1,293 |
| Noncurrent loans to loans | 4.4999% | 1,554 |
| Net loans and leases to total assets | 79.7752% | 1,218 |
| Net loans and leases to deposits | 128.7305% | 115 |
| Net loans and leases to core deposits | 165.0560% | 318 |
| Total domestic deposits to total assets | 61.9707% | 7,818 |
| Equity capital to assets | 10.3544% | 3,675 |
| Core capital (leverage) ratio | 9.5332% | 3,866 |
| Tier 1 risk-based capital ratio | 16.2374% | 2,542 |
| Total risk-based capital ratio | 17.4870% | 2,482 |
| Memoranda: | ||
| Average total assets | $71,139,500 | 6,005 |
| Average earning assets | $65,417,500 | 5,983 |
| Average equity | $7,372,750 | 6,193 |
| Average total loans | $58,381,250 | 5,363 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9842% | 327 |
| Cost of funding earning assets | 2.7108% | 1,004 |
| Net interest margin | 4.2734% | 1,739 |
| Noninterest income to average assets | 0.0056% | 7,926 |
| Noninterest expense to average assets | 3.4194% | 2,570 |
| Loan and lease loss provision to assets | 0.7194% | 2,278 |
| Net operating income to assets | 0.0282% | 5,764 |
| Return on assets (ROA) | 0.0282% | 5,848 |
| Pretax return on assets | -0.2060% | 6,130 |
| Return on Equity (ROE) | 0.2721% | 5,845 |
| Retained earnings to average equity (ytd only) | -2.6126% | 5,891 |
| Net charge-offs to loans | 0.8339% | 2,025 |
| Credit loss provision to net charge-offs | 104.5082% | 4,397 |
| Earnings coverage of net charge-offs (x) | 0.7459% | 4,982 |
| Efficiency ratio | 86.9440% | 2,127 |
| Assets per employee ($millions) | 3.0363% | 6,037 |
| Cash dividends to net income (ytd only)* | 1,060.0000% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 5,846 |
| Loan loss allowance to noncurrent loans | 23.2638% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 4.6753% | 1,187 |
| Noncurrent loans to loans | 4.5504% | 1,412 |
| Net loans and leases to total assets | 82.0420% | 950 |
| Net loans and leases to deposits | 131.5440% | 109 |
| Net loans and leases to core deposits | 163.2261% | 397 |
| Total domestic deposits to total assets | 62.3684% | 7,879 |
| Equity capital to assets | 10.4647% | 3,447 |
| Core capital (leverage) ratio | 9.6738% | 3,667 |
| Tier 1 risk-based capital ratio | 16.3466% | 2,503 |
| Total risk-based capital ratio | 17.5975% | 2,452 |
| Memoranda: | ||
| Average total assets | $70,888,670 | 6,056 |
| Average earning assets | $65,147,330 | 6,041 |
| Average equity | $7,349,000 | 6,245 |
| Average total loans | $58,522,670 | 5,402 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0100% | 327 |
| Cost of funding earning assets | 2.8040% | 971 |
| Net interest margin | 4.2060% | 1,872 |
| Noninterest income to average assets | 0.2072% | 6,811 |
| Noninterest expense to average assets | 3.4614% | 2,199 |
| Loan and lease loss provision to assets | 0.5937% | 2,120 |
| Net operating income to assets | 0.1624% | 5,779 |
| Return on assets (ROA) | 0.1624% | 5,950 |
| Pretax return on assets | 0.0168% | 6,345 |
| Return on Equity (ROE) | 1.5741% | 5,933 |
| Retained earnings to average equity (ytd only) | -2.7139% | 6,224 |
| Net charge-offs to loans | 0.8635% | 1,511 |
| Credit loss provision to net charge-offs | 83.4646% | 4,131 |
| Earnings coverage of net charge-offs (x) | 0.8583% | 4,337 |
| Efficiency ratio | 85.0069% | 2,193 |
| Assets per employee ($millions) | 3.1191% | 5,841 |
| Cash dividends to net income (ytd only)* | 272.4138% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,212 |
| Loan loss allowance to noncurrent loans | 20.6383% | 7,130 |
| Noncurrent assets plus other real estate owned to assets | 5.2342% | 842 |
| Noncurrent loans to loans | 4.8282% | 1,144 |
| Net loans and leases to total assets | 80.6036% | 1,276 |
| Net loans and leases to deposits | 125.8543% | 190 |
| Net loans and leases to core deposits | 159.8435% | 492 |
| Total domestic deposits to total assets | 64.0452% | 7,840 |
| Equity capital to assets | 10.2411% | 3,718 |
| Core capital (leverage) ratio | 9.4617% | 4,032 |
| Tier 1 risk-based capital ratio | 16.1271% | 2,644 |
| Total risk-based capital ratio | 17.3774% | 2,583 |
| Memoranda: | ||
| Average total assets | $71,415,500 | 6,088 |
| Average earning assets | $65,620,500 | 6,050 |
| Average equity | $7,369,500 | 6,270 |
| Average total loans | $58,830,500 | 5,413 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4120% | 482 |
| Cost of funding earning assets | 3.2711% | 1,002 |
| Net interest margin | 4.1408% | 2,536 |
| Noninterest income to average assets | 0.7440% | 2,817 |
| Noninterest expense to average assets | 3.4270% | 2,591 |
| Loan and lease loss provision to assets | 0.3222% | 3,797 |
| Net operating income to assets | 0.6477% | 4,117 |
| Return on assets (ROA) | 0.6543% | 3,939 |
| Pretax return on assets | 0.8322% | 3,951 |
| Return on Equity (ROE) | 6.3960% | 3,800 |
| Retained earnings to average equity (ytd only) | 2.3146% | 3,761 |
| Net charge-offs to loans | 0.4382% | 2,638 |
| Credit loss provision to net charge-offs | 86.4662% | 5,751 |
| Earnings coverage of net charge-offs (x) | 3.0752% | 4,549 |
| Efficiency ratio | 74.9387% | 3,409 |
| Assets per employee ($millions) | 2.9621% | 6,144 |
| Cash dividends to net income (ytd only)* | 63.8116% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 5,878 |
| Loan loss allowance to noncurrent loans | 23.8133% | 7,063 |
| Noncurrent assets plus other real estate owned to assets | 4.7981% | 751 |
| Noncurrent loans to loans | 4.2664% | 1,139 |
| Net loans and leases to total assets | 82.5027% | 1,134 |
| Net loans and leases to deposits | 135.6084% | 143 |
| Net loans and leases to core deposits | 161.3979% | 550 |
| Total domestic deposits to total assets | 60.8389% | 7,933 |
| Equity capital to assets | 10.3979% | 3,612 |
| Core capital (leverage) ratio | 9.6155% | 3,862 |
| Tier 1 risk-based capital ratio | 16.0775% | 2,638 |
| Total risk-based capital ratio | 17.3272% | 2,582 |
| Memoranda: | ||
| Average total assets | $71,374,600 | 5,989 |
| Average earning assets | $66,001,400 | 5,966 |
| Average equity | $7,301,400 | 6,350 |
| Average total loans | $60,703,600 | 5,233 |