Home > The First Bank and Trust Company of Murphysboro > Performance and Condition Ratios
The First Bank and Trust Company of Murphysboro, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 2,984 |
| Cost of funding earning assets | 1.2726% | 3,714 |
| Net interest margin | 3.7872% | 1,520 |
| Noninterest income to average assets | 0.4700% | 2,077 |
| Noninterest expense to average assets | 3.5078% | 586 |
| Loan and lease loss provision to assets | 0.8100% | 99 |
| Net operating income to assets | -0.3698% | 4,321 |
| Return on assets (ROA) | -0.3698% | 4,348 |
| Pretax return on assets | -0.3529% | 4,333 |
| Return on Equity (ROE) | -5.4900% | 4,357 |
| Retained earnings to average equity (ytd only) | -6.7084% | 4,339 |
| Net charge-offs to loans | 0.1161% | 1,064 |
| Credit loss provision to net charge-offs | 1,043.4783% | 378 |
| Earnings coverage of net charge-offs (x) | 5.9275% | 2,547 |
| Efficiency ratio | 88.3807% | 571 |
| Assets per employee ($millions) | 3.4669% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6785% | 178 |
| Loan loss allowance to noncurrent loans | 36.9591% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 6.1282% | 15 |
| Noncurrent loans to loans | 7.2471% | 30 |
| Net loans and leases to total assets | 68.2500% | 2,112 |
| Net loans and leases to deposits | 73.3914% | 2,703 |
| Net loans and leases to core deposits | 78.4861% | 2,878 |
| Total domestic deposits to total assets | 93.0000% | 165 |
| Equity capital to assets | 6.7567% | 4,042 |
| Core capital (leverage) ratio | 8.8867% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $88,689,000 | 3,875 |
| Average earning assets | $81,960,800 | 3,855 |
| Average equity | $5,977,600 | 4,155 |
| Average total loans | $59,417,400 | 3,702 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 2,981 |
| Cost of funding earning assets | 1.3176% | 3,643 |
| Net interest margin | 3.7144% | 1,612 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 3.5250% | 566 |
| Loan and lease loss provision to assets | 0.4100% | 243 |
| Net operating income to assets | -0.0415% | 4,256 |
| Return on assets (ROA) | -0.0415% | 4,270 |
| Pretax return on assets | -0.0415% | 4,260 |
| Return on Equity (ROE) | -0.6200% | 4,268 |
| Retained earnings to average equity (ytd only) | -2.2198% | 4,215 |
| Net charge-offs to loans | 0.1072% | 946 |
| Credit loss provision to net charge-offs | 583.3333% | 574 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,382 |
| Efficiency ratio | 90.4292% | 519 |
| Assets per employee ($millions) | 4.1950% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 419 |
| Loan loss allowance to noncurrent loans | 26.5429% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 5.8799% | 22 |
| Noncurrent loans to loans | 7.3939% | 33 |
| Net loans and leases to total assets | 64.8700% | 2,431 |
| Net loans and leases to deposits | 70.1517% | 2,968 |
| Net loans and leases to core deposits | 75.2489% | 3,106 |
| Total domestic deposits to total assets | 92.4700% | 133 |
| Equity capital to assets | 7.2739% | 4,050 |
| Core capital (leverage) ratio | 9.1238% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $90,059,750 | 3,880 |
| Average earning assets | $83,278,500 | 3,863 |
| Average equity | $6,066,500 | 4,167 |
| Average total loans | $59,683,250 | 3,705 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9626% | 3,007 |
| Cost of funding earning assets | 1.3593% | 3,533 |
| Net interest margin | 3.6033% | 1,781 |
| Noninterest income to average assets | 0.4100% | 2,325 |
| Noninterest expense to average assets | 3.5386% | 540 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 0.0838% | 4,142 |
| Return on assets (ROA) | 0.0838% | 4,169 |
| Pretax return on assets | 0.0838% | 4,167 |
| Return on Equity (ROE) | 1.2800% | 4,117 |
| Retained earnings to average equity (ytd only) | -1.1759% | 4,072 |
| Net charge-offs to loans | 0.1131% | 810 |
| Credit loss provision to net charge-offs | 117.6471% | 1,366 |
| Earnings coverage of net charge-offs (x) | 2.6471% | 2,385 |
| Efficiency ratio | 94.6903% | 413 |
| Assets per employee ($millions) | 3.6315% | 4,239 |
| Cash dividends to net income (ytd only)* | 192.1053% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 957 |
| Loan loss allowance to noncurrent loans | 22.7566% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 5.4017% | 22 |
| Noncurrent loans to loans | 6.8153% | 33 |
| Net loans and leases to total assets | 64.1900% | 2,540 |
| Net loans and leases to deposits | 68.9153% | 3,073 |
| Net loans and leases to core deposits | 73.6706% | 3,180 |
| Total domestic deposits to total assets | 93.1400% | 133 |
| Equity capital to assets | 6.5516% | 4,090 |
| Core capital (leverage) ratio | 8.9831% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $90,714,333 | 3,889 |
| Average earning assets | $83,867,667 | 3,877 |
| Average equity | $5,952,667 | 4,178 |
| Average total loans | $60,147,333 | 3,714 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 3,017 |
| Cost of funding earning assets | 1.3508% | 3,472 |
| Net interest margin | 3.5292% | 1,847 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 3.6745% | 472 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | -0.0221% | 4,301 |
| Return on assets (ROA) | -0.0221% | 4,293 |
| Pretax return on assets | -0.0221% | 4,276 |
| Return on Equity (ROE) | -0.3400% | 4,278 |
| Retained earnings to average equity (ytd only) | -5.2393% | 4,144 |
| Net charge-offs to loans | -0.0066% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 98.8138% | 314 |
| Assets per employee ($millions) | 3.6474% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 955 |
| Loan loss allowance to noncurrent loans | 26.1543% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 4.8495% | 29 |
| Noncurrent loans to loans | 5.9207% | 35 |
| Net loans and leases to total assets | 64.7700% | 2,393 |
| Net loans and leases to deposits | 69.4209% | 2,939 |
| Net loans and leases to core deposits | 74.5353% | 3,077 |
| Total domestic deposits to total assets | 93.3100% | 164 |
| Equity capital to assets | 6.4418% | 4,094 |
| Core capital (leverage) ratio | 8.8563% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $90,678,000 | 3,911 |
| Average earning assets | $84,098,500 | 3,895 |
| Average equity | $5,955,000 | 4,196 |
| Average total loans | $60,626,000 | 3,715 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7286% | 2,614 |
| Cost of funding earning assets | 0.8478% | 3,616 |
| Net interest margin | 3.8809% | 1,416 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 3.2749% | 761 |
| Loan and lease loss provision to assets | -0.2500% | 4,571 |
| Net operating income to assets | 0.9096% | 2,518 |
| Return on assets (ROA) | 0.8716% | 2,603 |
| Pretax return on assets | 0.9278% | 2,882 |
| Return on Equity (ROE) | 13.9500% | 1,497 |
| Retained earnings to average equity (ytd only) | 12.3159% | 602 |
| Net charge-offs to loans | 0.2847% | 375 |
| Credit loss provision to net charge-offs | -131.5476% | 4,489 |
| Earnings coverage of net charge-offs (x) | 3.8095% | 2,624 |
| Efficiency ratio | 81.9820% | 777 |
| Assets per employee ($millions) | 3.6068% | 4,269 |
| Cash dividends to net income (ytd only)* | 11.7419% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 1,088 |
| Loan loss allowance to noncurrent loans | 24.3460% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 5.1192% | 23 |
| Noncurrent loans to loans | 6.1150% | 30 |
| Net loans and leases to total assets | 66.9300% | 2,154 |
| Net loans and leases to deposits | 72.7493% | 2,713 |
| Net loans and leases to core deposits | 76.4176% | 2,946 |
| Total domestic deposits to total assets | 91.9900% | 311 |
| Equity capital to assets | 6.6939% | 4,051 |
| Core capital (leverage) ratio | 9.0750% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $88,919,200 | 3,926 |
| Average earning assets | $81,863,000 | 3,911 |
| Average equity | $5,553,800 | 4,210 |
| Average total loans | $59,006,400 | 3,722 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 2,452 |
| Cost of funding earning assets | 0.7478% | 3,653 |
| Net interest margin | 3.9606% | 1,278 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 3.2094% | 808 |
| Loan and lease loss provision to assets | -0.1400% | 4,565 |
| Net operating income to assets | 1.0215% | 2,298 |
| Return on assets (ROA) | 0.9900% | 2,379 |
| Pretax return on assets | 1.0442% | 2,727 |
| Return on Equity (ROE) | 16.1200% | 1,235 |
| Retained earnings to average equity (ytd only) | 13.8948% | 685 |
| Net charge-offs to loans | 0.2714% | 318 |
| Credit loss provision to net charge-offs | -75.6303% | 4,516 |
| Earnings coverage of net charge-offs (x) | 5.2605% | 2,357 |
| Efficiency ratio | 77.3106% | 1,067 |
| Assets per employee ($millions) | 3.5973% | 4,296 |
| Cash dividends to net income (ytd only)* | 13.8298% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,042 |
| Loan loss allowance to noncurrent loans | 28.8437% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 4.4678% | 32 |
| Noncurrent loans to loans | 5.2924% | 48 |
| Net loans and leases to total assets | 65.1300% | 2,331 |
| Net loans and leases to deposits | 69.1514% | 2,900 |
| Net loans and leases to core deposits | 72.0680% | 3,103 |
| Total domestic deposits to total assets | 94.1900% | 173 |
| Equity capital to assets | 5.6075% | 4,106 |
| Core capital (leverage) ratio | 8.9994% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $88,613,750 | 3,939 |
| Average earning assets | $81,299,500 | 3,937 |
| Average equity | $5,440,750 | 4,230 |
| Average total loans | $58,452,000 | 3,735 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 2,447 |
| Cost of funding earning assets | 0.6446% | 3,642 |
| Net interest margin | 3.9392% | 1,352 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 3.1845% | 805 |
| Loan and lease loss provision to assets | 0.4500% | 169 |
| Net operating income to assets | 0.3880% | 4,023 |
| Return on assets (ROA) | 0.3506% | 4,113 |
| Pretax return on assets | 0.3822% | 4,139 |
| Return on Equity (ROE) | 5.3200% | 3,835 |
| Retained earnings to average equity (ytd only) | 2.1964% | 3,673 |
| Net charge-offs to loans | 0.1101% | 636 |
| Credit loss provision to net charge-offs | 625.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 12.0938% | 1,950 |
| Efficiency ratio | 78.4401% | 967 |
| Assets per employee ($millions) | 3.5333% | 4,339 |
| Cash dividends to net income (ytd only)* | 58.7097% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 1,480 |
| Loan loss allowance to noncurrent loans | 22.7036% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 4.4525% | 34 |
| Noncurrent loans to loans | 6.2239% | 30 |
| Net loans and leases to total assets | 65.4000% | 2,220 |
| Net loans and leases to deposits | 70.2367% | 2,765 |
| Net loans and leases to core deposits | 73.2644% | 2,947 |
| Total domestic deposits to total assets | 93.1100% | 238 |
| Equity capital to assets | 6.6205% | 3,941 |
| Core capital (leverage) ratio | 9.1436% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $88,428,333 | 3,955 |
| Average earning assets | $81,285,333 | 3,948 |
| Average equity | $5,827,667 | 4,210 |
| Average total loans | $58,108,667 | 3,746 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 2,680 |
| Cost of funding earning assets | 0.5748% | 3,462 |
| Net interest margin | 3.7731% | 1,742 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 3.2641% | 729 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.6194% | 3,659 |
| Return on assets (ROA) | 0.5380% | 3,779 |
| Pretax return on assets | 0.5380% | 3,936 |
| Return on Equity (ROE) | 8.1800% | 3,245 |
| Retained earnings to average equity (ytd only) | 8.1822% | 2,169 |
| Net charge-offs to loans | -0.0207% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.6087% | 669 |
| Assets per employee ($millions) | 3.4771% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,646 |
| Loan loss allowance to noncurrent loans | 21.9987% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 3.7509% | 28 |
| Noncurrent loans to loans | 5.3786% | 49 |
| Net loans and leases to total assets | 62.6300% | 2,390 |
| Net loans and leases to deposits | 67.1796% | 2,835 |
| Net loans and leases to core deposits | 69.9732% | 2,959 |
| Total domestic deposits to total assets | 93.2300% | 270 |
| Equity capital to assets | 6.6125% | 3,995 |
| Core capital (leverage) ratio | 9.2542% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $88,476,500 | 4,011 |
| Average earning assets | $81,418,500 | 4,001 |
| Average equity | $5,817,500 | 4,262 |
| Average total loans | $57,864,500 | 3,795 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 1,669 |
| Cost of funding earning assets | 0.2934% | 2,932 |
| Net interest margin | 3.7232% | 1,330 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 3.1039% | 832 |
| Loan and lease loss provision to assets | 0.4200% | 157 |
| Net operating income to assets | 0.2744% | 4,387 |
| Return on assets (ROA) | 0.2744% | 4,364 |
| Pretax return on assets | 0.3538% | 4,321 |
| Return on Equity (ROE) | 3.8500% | 4,184 |
| Retained earnings to average equity (ytd only) | 2.5604% | 3,835 |
| Net charge-offs to loans | 0.4902% | 152 |
| Credit loss provision to net charge-offs | 135.7934% | 1,365 |
| Earnings coverage of net charge-offs (x) | 2.5092% | 2,502 |
| Efficiency ratio | 80.0995% | 708 |
| Assets per employee ($millions) | 3.6062% | 4,413 |
| Cash dividends to net income (ytd only)* | 33.4711% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 2,742 |
| Loan loss allowance to noncurrent loans | 15.8122% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 4.8227% | 20 |
| Noncurrent loans to loans | 7.1438% | 30 |
| Net loans and leases to total assets | 66.7500% | 1,955 |
| Net loans and leases to deposits | 73.3366% | 2,305 |
| Net loans and leases to core deposits | 75.4053% | 2,469 |
| Total domestic deposits to total assets | 91.0100% | 955 |
| Equity capital to assets | 6.5362% | 3,886 |
| Core capital (leverage) ratio | 8.9597% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0616% | 2,346 |
| Memoranda: | ||
| Average total assets | $88,180,800 | 4,034 |
| Average earning assets | $81,463,000 | 4,022 |
| Average equity | $6,288,200 | 4,296 |
| Average total loans | $55,287,400 | 3,821 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9168% | 1,446 |
| Cost of funding earning assets | 0.2287% | 2,941 |
| Net interest margin | 3.6881% | 1,170 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 3.0914% | 798 |
| Loan and lease loss provision to assets | 0.5300% | 96 |
| Net operating income to assets | 0.1445% | 4,517 |
| Return on assets (ROA) | 0.1445% | 4,487 |
| Pretax return on assets | 0.2227% | 4,442 |
| Return on Equity (ROE) | 1.9900% | 4,410 |
| Retained earnings to average equity (ytd only) | 1.3031% | 4,175 |
| Net charge-offs to loans | 0.5113% | 126 |
| Credit loss provision to net charge-offs | 168.8995% | 1,067 |
| Earnings coverage of net charge-offs (x) | 2.3971% | 2,248 |
| Efficiency ratio | 80.3914% | 751 |
| Assets per employee ($millions) | 3.7380% | 4,417 |
| Cash dividends to net income (ytd only)* | 34.3750% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 2,426 |
| Loan loss allowance to noncurrent loans | 16.9662% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 4.4654% | 23 |
| Noncurrent loans to loans | 7.1869% | 29 |
| Net loans and leases to total assets | 61.3800% | 2,367 |
| Net loans and leases to deposits | 66.5421% | 2,672 |
| Net loans and leases to core deposits | 68.2306% | 2,788 |
| Total domestic deposits to total assets | 92.2400% | 799 |
| Equity capital to assets | 5.5302% | 4,121 |
| Core capital (leverage) ratio | 8.8677% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $88,588,750 | 4,061 |
| Average earning assets | $81,629,500 | 4,051 |
| Average equity | $6,446,000 | 4,320 |
| Average total loans | $54,502,250 | 3,849 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 895 |
| Cost of funding earning assets | 0.2003% | 2,905 |
| Net interest margin | 3.8304% | 703 |
| Noninterest income to average assets | 0.4892% | 2,260 |
| Noninterest expense to average assets | 2.9722% | 878 |
| Loan and lease loss provision to assets | 0.1631% | 567 |
| Net operating income to assets | 0.7782% | 3,034 |
| Return on assets (ROA) | 0.6707% | 3,361 |
| Pretax return on assets | 0.7488% | 3,453 |
| Return on Equity (ROE) | 8.3684% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.4226% | 1,841 |
| Net charge-offs to loans | 0.0150% | 1,459 |
| Credit loss provision to net charge-offs | 1,775.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 112.2500% | 765 |
| Efficiency ratio | 74.2398% | 1,482 |
| Assets per employee ($millions) | 3.5299% | 4,544 |
| Cash dividends to net income (ytd only)* | 11.3014% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,978 |
| Loan loss allowance to noncurrent loans | 42.9155% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.8590% | 67 |
| Noncurrent loans to loans | 2.6593% | 210 |
| Net loans and leases to total assets | 61.8394% | 2,141 |
| Net loans and leases to deposits | 68.2764% | 2,367 |
| Net loans and leases to core deposits | 70.3864% | 2,463 |
| Total domestic deposits to total assets | 90.5720% | 1,428 |
| Equity capital to assets | 7.0121% | 3,763 |
| Core capital (leverage) ratio | 9.2786% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,074,667 | 4,118 |
| Average earning assets | $79,887,000 | 4,122 |
| Average equity | $6,978,667 | 4,323 |
| Average total loans | $53,315,000 | 3,908 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 799 |
| Cost of funding earning assets | 0.2060% | 2,707 |
| Net interest margin | 3.7737% | 663 |
| Noninterest income to average assets | 0.5365% | 1,963 |
| Noninterest expense to average assets | 3.1819% | 617 |
| Loan and lease loss provision to assets | 0.0694% | 1,182 |
| Net operating income to assets | 0.7261% | 2,957 |
| Return on assets (ROA) | 0.7261% | 2,945 |
| Pretax return on assets | 0.7585% | 3,233 |
| Return on Equity (ROE) | 8.5164% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.5164% | 1,419 |
| Net charge-offs to loans | 0.0382% | 904 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 35.8000% | 1,059 |
| Efficiency ratio | 79.3541% | 1,195 |
| Assets per employee ($millions) | 3.5367% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 3,349 |
| Loan loss allowance to noncurrent loans | 43.3762% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 2.6590% | 81 |
| Noncurrent loans to loans | 2.5220% | 239 |
| Net loans and leases to total assets | 58.5921% | 2,232 |
| Net loans and leases to deposits | 63.8839% | 2,539 |
| Net loans and leases to core deposits | 65.8146% | 2,644 |
| Total domestic deposits to total assets | 91.7166% | 691 |
| Equity capital to assets | 7.7631% | 3,757 |
| Core capital (leverage) ratio | 9.1405% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,488,000 | 4,140 |
| Average earning assets | $79,604,500 | 4,146 |
| Average equity | $7,374,000 | 4,326 |
| Average total loans | $52,371,500 | 3,936 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 1,744 |
| Cost of funding earning assets | 0.2730% | 2,676 |
| Net interest margin | 3.5761% | 1,535 |
| Noninterest income to average assets | 0.5929% | 2,190 |
| Noninterest expense to average assets | 3.0787% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7178% | 3,581 |
| Return on assets (ROA) | 0.8225% | 3,336 |
| Pretax return on assets | 0.9242% | 3,440 |
| Return on Equity (ROE) | 9.4528% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.7176% | 1,275 |
| Net charge-offs to loans | -0.0098% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2414% | 856 |
| Assets per employee ($millions) | 3.6764% | 4,542 |
| Cash dividends to net income (ytd only)* | 7.7778% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,456 |
| Loan loss allowance to noncurrent loans | 57.6254% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.3735% | 119 |
| Noncurrent loans to loans | 1.8658% | 435 |
| Net loans and leases to total assets | 61.2609% | 2,040 |
| Net loans and leases to deposits | 67.7394% | 2,333 |
| Net loans and leases to core deposits | 70.4776% | 2,400 |
| Total domestic deposits to total assets | 90.4362% | 743 |
| Equity capital to assets | 9.3238% | 3,292 |
| Core capital (leverage) ratio | 9.0218% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,536,600 | 4,127 |
| Average earning assets | $80,591,200 | 4,126 |
| Average equity | $7,616,800 | 4,366 |
| Average total loans | $51,249,600 | 3,977 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 2,015 |
| Cost of funding earning assets | 0.2813% | 2,780 |
| Net interest margin | 3.5169% | 1,822 |
| Noninterest income to average assets | 0.5754% | 2,320 |
| Noninterest expense to average assets | 3.0191% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6562% | 3,879 |
| Return on assets (ROA) | 0.7853% | 3,629 |
| Pretax return on assets | 0.9409% | 3,604 |
| Return on Equity (ROE) | 9.1830% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.6885% | 1,808 |
| Net charge-offs to loans | -0.0052% | 3,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3569% | 788 |
| Assets per employee ($millions) | 3.1740% | 4,719 |
| Cash dividends to net income (ytd only)* | 5.3846% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,416 |
| Loan loss allowance to noncurrent loans | 73.8786% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 2.0119% | 184 |
| Noncurrent loans to loans | 1.4960% | 703 |
| Net loans and leases to total assets | 56.3845% | 2,686 |
| Net loans and leases to deposits | 62.2964% | 3,009 |
| Net loans and leases to core deposits | 64.6639% | 3,074 |
| Total domestic deposits to total assets | 90.5099% | 560 |
| Equity capital to assets | 8.7317% | 4,045 |
| Core capital (leverage) ratio | 8.8449% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,281,250 | 4,164 |
| Average earning assets | $81,055,250 | 4,168 |
| Average equity | $7,550,000 | 4,434 |
| Average total loans | $50,971,000 | 4,029 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 2,208 |
| Cost of funding earning assets | 0.3074% | 2,710 |
| Net interest margin | 3.4405% | 2,032 |
| Noninterest income to average assets | 0.6539% | 1,992 |
| Noninterest expense to average assets | 2.9290% | 1,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7364% | 3,669 |
| Return on assets (ROA) | 0.7879% | 3,609 |
| Pretax return on assets | 0.9377% | 3,576 |
| Return on Equity (ROE) | 9.2781% | 3,019 |
| Retained earnings to average equity (ytd only) | 8.5294% | 1,885 |
| Net charge-offs to loans | -0.0039% | 3,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9690% | 994 |
| Assets per employee ($millions) | 3.4086% | 4,694 |
| Cash dividends to net income (ytd only)* | 8.0692% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,478 |
| Loan loss allowance to noncurrent loans | 44.4356% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.6795% | 117 |
| Noncurrent loans to loans | 2.4431% | 338 |
| Net loans and leases to total assets | 55.3427% | 2,975 |
| Net loans and leases to deposits | 62.6274% | 3,138 |
| Net loans and leases to core deposits | 65.3272% | 3,170 |
| Total domestic deposits to total assets | 88.3682% | 1,634 |
| Equity capital to assets | 8.2678% | 4,380 |
| Core capital (leverage) ratio | 8.4332% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,084,333 | 4,196 |
| Average earning assets | $80,686,000 | 4,197 |
| Average equity | $7,480,000 | 4,471 |
| Average total loans | $51,071,333 | 4,058 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 2,335 |
| Cost of funding earning assets | 0.3308% | 2,699 |
| Net interest margin | 3.3789% | 2,163 |
| Noninterest income to average assets | 0.7107% | 1,845 |
| Noninterest expense to average assets | 2.8986% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8547% | 3,254 |
| Return on assets (ROA) | 0.8547% | 3,336 |
| Pretax return on assets | 0.8965% | 3,607 |
| Return on Equity (ROE) | 9.9252% | 2,712 |
| Retained earnings to average equity (ytd only) | 9.9252% | 1,665 |
| Net charge-offs to loans | -0.0079% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3770% | 1,098 |
| Assets per employee ($millions) | 3.2850% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,473 |
| Loan loss allowance to noncurrent loans | 72.0000% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.3575% | 183 |
| Noncurrent loans to loans | 1.5175% | 822 |
| Net loans and leases to total assets | 56.9496% | 2,917 |
| Net loans and leases to deposits | 63.8028% | 3,141 |
| Net loans and leases to core deposits | 66.8590% | 3,168 |
| Total domestic deposits to total assets | 89.2588% | 1,196 |
| Equity capital to assets | 8.3442% | 4,238 |
| Core capital (leverage) ratio | 8.6553% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,110,500 | 4,231 |
| Average earning assets | $78,606,500 | 4,240 |
| Average equity | $7,415,500 | 4,491 |
| Average total loans | $50,861,000 | 4,076 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 2,214 |
| Cost of funding earning assets | 0.5338% | 2,726 |
| Net interest margin | 3.6425% | 2,003 |
| Noninterest income to average assets | 0.3910% | 3,144 |
| Noninterest expense to average assets | 3.1195% | 1,191 |
| Loan and lease loss provision to assets | 0.1635% | 2,330 |
| Net operating income to assets | 0.3960% | 4,250 |
| Return on assets (ROA) | 0.3972% | 4,331 |
| Pretax return on assets | 0.4402% | 4,362 |
| Return on Equity (ROE) | 4.4894% | 4,031 |
| Retained earnings to average equity (ytd only) | 3.7388% | 2,962 |
| Net charge-offs to loans | 0.0432% | 2,194 |
| Credit loss provision to net charge-offs | 604.5455% | 1,098 |
| Earnings coverage of net charge-offs (x) | 22.2727% | 1,862 |
| Efficiency ratio | 83.8124% | 648 |
| Assets per employee ($millions) | 3.2125% | 4,754 |
| Cash dividends to net income (ytd only)* | 16.7183% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,453 |
| Loan loss allowance to noncurrent loans | 79.4872% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 2.4891% | 182 |
| Noncurrent loans to loans | 1.3859% | 987 |
| Net loans and leases to total assets | 59.9749% | 2,866 |
| Net loans and leases to deposits | 67.8468% | 3,095 |
| Net loans and leases to core deposits | 71.3336% | 3,146 |
| Total domestic deposits to total assets | 88.3975% | 1,279 |
| Equity capital to assets | 8.8955% | 4,151 |
| Core capital (leverage) ratio | 8.6452% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,328,400 | 4,226 |
| Average earning assets | $74,371,800 | 4,227 |
| Average equity | $7,194,800 | 4,503 |
| Average total loans | $50,955,000 | 4,099 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2428% | 2,270 |
| Cost of funding earning assets | 0.5671% | 2,827 |
| Net interest margin | 3.6757% | 2,023 |
| Noninterest income to average assets | 0.3895% | 3,135 |
| Noninterest expense to average assets | 3.0799% | 1,273 |
| Loan and lease loss provision to assets | 0.2191% | 1,835 |
| Net operating income to assets | 0.4178% | 4,228 |
| Return on assets (ROA) | 0.4192% | 4,291 |
| Pretax return on assets | 0.4721% | 4,337 |
| Return on Equity (ROE) | 4.7458% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.0358% | 3,034 |
| Net charge-offs to loans | 0.0601% | 1,743 |
| Credit loss provision to net charge-offs | 578.2609% | 1,180 |
| Earnings coverage of net charge-offs (x) | 18.1739% | 1,971 |
| Efficiency ratio | 81.6988% | 746 |
| Assets per employee ($millions) | 3.2541% | 4,760 |
| Cash dividends to net income (ytd only)* | 14.9606% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,307 |
| Loan loss allowance to noncurrent loans | 79.3447% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 2.5565% | 208 |
| Noncurrent loans to loans | 1.3612% | 1,075 |
| Net loans and leases to total assets | 60.2976% | 3,197 |
| Net loans and leases to deposits | 68.4742% | 3,436 |
| Net loans and leases to core deposits | 73.0867% | 3,392 |
| Total domestic deposits to total assets | 88.0589% | 1,199 |
| Equity capital to assets | 8.6837% | 4,344 |
| Core capital (leverage) ratio | 8.3307% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,779,250 | 4,243 |
| Average earning assets | $74,288,000 | 4,242 |
| Average equity | $7,136,000 | 4,531 |
| Average total loans | $51,030,750 | 4,113 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3186% | 2,424 |
| Cost of funding earning assets | 0.6165% | 2,882 |
| Net interest margin | 3.7020% | 2,151 |
| Noninterest income to average assets | 0.4956% | 2,593 |
| Noninterest expense to average assets | 3.1420% | 1,260 |
| Loan and lease loss provision to assets | 0.3220% | 1,328 |
| Net operating income to assets | 0.4025% | 4,227 |
| Return on assets (ROA) | 0.4025% | 4,289 |
| Pretax return on assets | 0.4453% | 4,339 |
| Return on Equity (ROE) | 4.5289% | 3,964 |
| Retained earnings to average equity (ytd only) | 4.5289% | 2,694 |
| Net charge-offs to loans | -0.0039% | 3,942 |
| Credit loss provision to net charge-offs | -12,800.0000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3732% | 868 |
| Assets per employee ($millions) | 3.2167% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,976 |
| Loan loss allowance to noncurrent loans | 78.1547% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 2.8398% | 179 |
| Noncurrent loans to loans | 1.4257% | 1,083 |
| Net loans and leases to total assets | 61.1211% | 3,201 |
| Net loans and leases to deposits | 68.9507% | 3,494 |
| Net loans and leases to core deposits | 73.6104% | 3,484 |
| Total domestic deposits to total assets | 88.6446% | 889 |
| Equity capital to assets | 8.7118% | 4,342 |
| Core capital (leverage) ratio | 8.5268% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,503,333 | 4,261 |
| Average earning assets | $73,311,333 | 4,257 |
| Average equity | $7,065,667 | 4,558 |
| Average total loans | $50,850,000 | 4,122 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 2,459 |
| Cost of funding earning assets | 0.6662% | 3,081 |
| Net interest margin | 3.7787% | 2,054 |
| Noninterest income to average assets | 0.4236% | 2,943 |
| Noninterest expense to average assets | 3.2594% | 1,296 |
| Loan and lease loss provision to assets | 0.3254% | 953 |
| Net operating income to assets | 0.3048% | 4,337 |
| Return on assets (ROA) | 0.3048% | 4,359 |
| Pretax return on assets | 0.3254% | 4,412 |
| Return on Equity (ROE) | 3.3930% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.3930% | 2,923 |
| Net charge-offs to loans | -0.0079% | 3,997 |
| Credit loss provision to net charge-offs | -6,300.0000% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3554% | 878 |
| Assets per employee ($millions) | 2.9854% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,610 |
| Loan loss allowance to noncurrent loans | 20.7471% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 5.2099% | 59 |
| Noncurrent loans to loans | 4.9064% | 130 |
| Net loans and leases to total assets | 64.0149% | 3,068 |
| Net loans and leases to deposits | 71.8433% | 3,442 |
| Net loans and leases to core deposits | 75.7235% | 3,515 |
| Total domestic deposits to total assets | 89.1035% | 618 |
| Equity capital to assets | 8.9911% | 4,602 |
| Core capital (leverage) ratio | 8.9684% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5899% | 2,892 |
| Memoranda: | ||
| Average total assets | $77,438,000 | 4,300 |
| Average earning assets | $71,453,000 | 4,291 |
| Average equity | $6,955,500 | 4,603 |
| Average total loans | $50,428,000 | 4,145 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 3,696 |
| Cost of funding earning assets | 0.7371% | 2,988 |
| Net interest margin | 3.5081% | 3,423 |
| Noninterest income to average assets | 0.3094% | 3,842 |
| Noninterest expense to average assets | 3.3453% | 1,218 |
| Loan and lease loss provision to assets | 0.2440% | 767 |
| Net operating income to assets | -0.0332% | 4,984 |
| Return on assets (ROA) | 0.0101% | 4,987 |
| Pretax return on assets | 0.0126% | 4,980 |
| Return on Equity (ROE) | 0.1172% | 4,986 |
| Retained earnings to average equity (ytd only) | -0.9669% | 4,803 |
| Net charge-offs to loans | 0.6386% | 278 |
| Credit loss provision to net charge-offs | 61.1987% | 3,024 |
| Earnings coverage of net charge-offs (x) | 0.5079% | 3,609 |
| Efficiency ratio | 94.2928% | 242 |
| Assets per employee ($millions) | 3.2190% | 4,688 |
| Cash dividends to net income (ytd only)* | 925.0000% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 4,043 |
| Loan loss allowance to noncurrent loans | 15.3820% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 5.9103% | 38 |
| Noncurrent loans to loans | 5.7367% | 77 |
| Net loans and leases to total assets | 64.9913% | 3,071 |
| Net loans and leases to deposits | 73.0047% | 3,436 |
| Net loans and leases to core deposits | 78.6605% | 3,400 |
| Total domestic deposits to total assets | 89.0234% | 662 |
| Equity capital to assets | 8.9729% | 4,696 |
| Core capital (leverage) ratio | 8.7675% | 4,687 |
| Tier 1 risk-based capital ratio | 12.4648% | 4,089 |
| Total risk-based capital ratio | 13.2757% | 4,221 |
| Memoranda: | ||
| Average total assets | $79,514,400 | 4,295 |
| Average earning assets | $73,400,600 | 4,291 |
| Average equity | $6,826,200 | 4,657 |
| Average total loans | $49,642,200 | 4,194 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 3,698 |
| Cost of funding earning assets | 0.7388% | 3,019 |
| Net interest margin | 3.5476% | 3,413 |
| Noninterest income to average assets | 0.3197% | 3,832 |
| Noninterest expense to average assets | 3.4215% | 1,049 |
| Loan and lease loss provision to assets | 0.2980% | 495 |
| Net operating income to assets | -0.1052% | 5,085 |
| Return on assets (ROA) | -0.0566% | 5,086 |
| Pretax return on assets | -0.0699% | 5,082 |
| Return on Equity (ROE) | -0.6666% | 5,091 |
| Retained earnings to average equity (ytd only) | -1.4118% | 4,892 |
| Net charge-offs to loans | 0.7856% | 206 |
| Credit loss provision to net charge-offs | 61.5120% | 2,696 |
| Earnings coverage of net charge-offs (x) | 0.3471% | 3,364 |
| Efficiency ratio | 95.3154% | 212 |
| Assets per employee ($millions) | 2.8273% | 4,967 |
| Cash dividends to net income (ytd only)* | -111.7803% | 5,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 3,971 |
| Loan loss allowance to noncurrent loans | 25.6855% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 4.4085% | 93 |
| Noncurrent loans to loans | 3.5758% | 216 |
| Net loans and leases to total assets | 62.5478% | 3,438 |
| Net loans and leases to deposits | 70.4293% | 3,741 |
| Net loans and leases to core deposits | 76.1820% | 3,686 |
| Total domestic deposits to total assets | 88.8094% | 684 |
| Equity capital to assets | 8.8309% | 4,863 |
| Core capital (leverage) ratio | 8.7812% | 4,789 |
| Tier 1 risk-based capital ratio | 12.4503% | 4,174 |
| Total risk-based capital ratio | 13.2821% | 4,293 |
| Memoranda: | ||
| Average total assets | $80,079,250 | 4,339 |
| Average earning assets | $73,814,250 | 4,341 |
| Average equity | $6,799,750 | 4,720 |
| Average total loans | $49,388,750 | 4,247 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 3,831 |
| Cost of funding earning assets | 0.7365% | 2,966 |
| Net interest margin | 3.4982% | 3,602 |
| Noninterest income to average assets | 0.2463% | 4,279 |
| Noninterest expense to average assets | 3.3663% | 1,160 |
| Loan and lease loss provision to assets | 0.3956% | 307 |
| Net operating income to assets | -0.2259% | 5,153 |
| Return on assets (ROA) | -0.1866% | 5,149 |
| Pretax return on assets | -0.2513% | 5,158 |
| Return on Equity (ROE) | -2.2268% | 5,168 |
| Retained earnings to average equity (ytd only) | -3.3551% | 4,985 |
| Net charge-offs to loans | 1.1831% | 111 |
| Credit loss provision to net charge-offs | 54.6392% | 2,436 |
| Earnings coverage of net charge-offs (x) | 0.1306% | 3,103 |
| Efficiency ratio | 97.2682% | 187 |
| Assets per employee ($millions) | 2.8718% | 4,980 |
| Cash dividends to net income (ytd only)* | -50.6667% | 5,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 4,166 |
| Loan loss allowance to noncurrent loans | 81.5642% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 2.6253% | 271 |
| Noncurrent loans to loans | 1.0798% | 1,514 |
| Net loans and leases to total assets | 61.3001% | 3,621 |
| Net loans and leases to deposits | 68.6585% | 3,929 |
| Net loans and leases to core deposits | 73.8391% | 3,902 |
| Total domestic deposits to total assets | 89.2826% | 547 |
| Equity capital to assets | 8.5660% | 5,016 |
| Core capital (leverage) ratio | 8.5947% | 4,916 |
| Tier 1 risk-based capital ratio | 12.3566% | 4,216 |
| Total risk-based capital ratio | 13.1495% | 4,356 |
| Memoranda: | ||
| Average total assets | $80,384,000 | 4,366 |
| Average earning assets | $73,866,330 | 4,375 |
| Average equity | $6,736,000 | 4,754 |
| Average total loans | $49,193,330 | 4,275 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 3,944 |
| Cost of funding earning assets | 0.7182% | 2,954 |
| Net interest margin | 3.4570% | 3,726 |
| Noninterest income to average assets | 0.1889% | 4,621 |
| Noninterest expense to average assets | 3.3905% | 1,124 |
| Loan and lease loss provision to assets | 0.0497% | 2,661 |
| Net operating income to assets | -0.0746% | 5,172 |
| Return on assets (ROA) | -0.0746% | 5,172 |
| Pretax return on assets | -0.0447% | 5,156 |
| Return on Equity (ROE) | -0.8891% | 5,181 |
| Retained earnings to average equity (ytd only) | -0.8891% | 4,637 |
| Net charge-offs to loans | 0.4088% | 376 |
| Credit loss provision to net charge-offs | 20.0000% | 2,136 |
| Earnings coverage of net charge-offs (x) | 0.0200% | 2,678 |
| Efficiency ratio | 99.8536% | 180 |
| Assets per employee ($millions) | 2.7913% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,141 |
| Loan loss allowance to noncurrent loans | 84.3949% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 3.1341% | 192 |
| Noncurrent loans to loans | 1.3009% | 1,259 |
| Net loans and leases to total assets | 58.9791% | 3,785 |
| Net loans and leases to deposits | 65.8642% | 4,061 |
| Net loans and leases to core deposits | 69.5354% | 4,100 |
| Total domestic deposits to total assets | 89.5465% | 623 |
| Equity capital to assets | 8.5004% | 4,987 |
| Core capital (leverage) ratio | 8.7887% | 4,799 |
| Tier 1 risk-based capital ratio | 24.1521% | 830 |
| Total risk-based capital ratio | 25.4081% | 809 |
| Memoranda: | ||
| Average total assets | $80,459,000 | 4,411 |
| Average earning assets | $74,630,500 | 4,401 |
| Average equity | $6,748,500 | 4,796 |
| Average total loans | $48,925,000 | 4,327 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 3,204 |
| Cost of funding earning assets | 0.6104% | 2,643 |
| Net interest margin | 3.6623% | 3,185 |
| Noninterest income to average assets | 0.3861% | 3,522 |
| Noninterest expense to average assets | 3.2634% | 1,410 |
| Loan and lease loss provision to assets | 0.0767% | 2,597 |
| Net operating income to assets | 0.4112% | 4,843 |
| Return on assets (ROA) | 0.4112% | 4,835 |
| Pretax return on assets | 0.4414% | 4,886 |
| Return on Equity (ROE) | 5.0706% | 4,438 |
| Retained earnings to average equity (ytd only) | 4.2642% | 3,205 |
| Net charge-offs to loans | 0.0358% | 2,687 |
| Credit loss provision to net charge-offs | 338.8889% | 925 |
| Earnings coverage of net charge-offs (x) | 22.8889% | 1,881 |
| Efficiency ratio | 86.2986% | 512 |
| Assets per employee ($millions) | 2.8560% | 5,068 |
| Cash dividends to net income (ytd only)* | 15.9021% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 2,830 |
| Loan loss allowance to noncurrent loans | 34.6294% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.9174% | 225 |
| Noncurrent loans to loans | 3.3201% | 283 |
| Net loans and leases to total assets | 61.2825% | 3,632 |
| Net loans and leases to deposits | 68.3329% | 3,952 |
| Net loans and leases to core deposits | 71.8609% | 3,995 |
| Total domestic deposits to total assets | 89.6823% | 585 |
| Equity capital to assets | 8.2732% | 5,056 |
| Core capital (leverage) ratio | 8.8187% | 4,797 |
| Tier 1 risk-based capital ratio | 13.9565% | 3,310 |
| Total risk-based capital ratio | 15.0911% | 3,294 |
| Memoranda: | ||
| Average total assets | $79,517,400 | 4,436 |
| Average earning assets | $73,724,800 | 4,426 |
| Average equity | $6,449,000 | 4,833 |
| Average total loans | $50,332,600 | 4,313 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 2,931 |
| Cost of funding earning assets | 0.5930% | 2,524 |
| Net interest margin | 3.7164% | 2,961 |
| Noninterest income to average assets | 0.3778% | 3,616 |
| Noninterest expense to average assets | 3.2541% | 1,400 |
| Loan and lease loss provision to assets | 0.0772% | 2,414 |
| Net operating income to assets | 0.4466% | 4,862 |
| Return on assets (ROA) | 0.4466% | 4,868 |
| Pretax return on assets | 0.4769% | 4,930 |
| Return on Equity (ROE) | 5.5353% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.1190% | 3,176 |
| Net charge-offs to loans | 0.0185% | 2,779 |
| Credit loss provision to net charge-offs | 657.1429% | 554 |
| Earnings coverage of net charge-offs (x) | 47.1586% | 1,219 |
| Efficiency ratio | 85.4497% | 549 |
| Assets per employee ($millions) | 2.6373% | 5,240 |
| Cash dividends to net income (ytd only)* | 7.5199% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,023 |
| Loan loss allowance to noncurrent loans | 36.2588% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.8981% | 260 |
| Noncurrent loans to loans | 3.1166% | 339 |
| Net loans and leases to total assets | 62.5897% | 3,589 |
| Net loans and leases to deposits | 69.4213% | 3,967 |
| Net loans and leases to core deposits | 72.7555% | 4,027 |
| Total domestic deposits to total assets | 90.1593% | 457 |
| Equity capital to assets | 8.0296% | 5,163 |
| Core capital (leverage) ratio | 8.8631% | 4,835 |
| Tier 1 risk-based capital ratio | 15.3611% | 2,714 |
| Total risk-based capital ratio | 16.6063% | 2,644 |
| Memoranda: | ||
| Average total assets | $79,404,500 | 4,484 |
| Average earning assets | $73,295,500 | 4,478 |
| Average equity | $6,407,250 | 4,890 |
| Average total loans | $50,521,500 | 4,350 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 2,920 |
| Cost of funding earning assets | 0.5675% | 2,450 |
| Net interest margin | 3.6890% | 2,973 |
| Noninterest income to average assets | 0.3321% | 3,961 |
| Noninterest expense to average assets | 3.1422% | 1,684 |
| Loan and lease loss provision to assets | 0.0780% | 2,348 |
| Net operating income to assets | 0.4830% | 4,784 |
| Return on assets (ROA) | 0.4830% | 4,789 |
| Pretax return on assets | 0.5132% | 4,881 |
| Return on Equity (ROE) | 5.9763% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.3538% | 2,905 |
| Net charge-offs to loans | 0.0118% | 2,733 |
| Credit loss provision to net charge-offs | 1,033.3333% | 394 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 831 |
| Efficiency ratio | 84.1644% | 678 |
| Assets per employee ($millions) | 2.8809% | 5,175 |
| Cash dividends to net income (ytd only)* | 10.4167% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,254 |
| Loan loss allowance to noncurrent loans | 24.1095% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.7650% | 158 |
| Noncurrent loans to loans | 4.5660% | 165 |
| Net loans and leases to total assets | 61.8124% | 3,626 |
| Net loans and leases to deposits | 69.1640% | 3,931 |
| Net loans and leases to core deposits | 71.6476% | 4,033 |
| Total domestic deposits to total assets | 89.3709% | 780 |
| Equity capital to assets | 8.0419% | 5,209 |
| Core capital (leverage) ratio | 8.6769% | 4,973 |
| Tier 1 risk-based capital ratio | 14.2845% | 3,212 |
| Total risk-based capital ratio | 15.4322% | 3,186 |
| Memoranda: | ||
| Average total assets | $79,499,330 | 4,523 |
| Average earning assets | $73,298,330 | 4,520 |
| Average equity | $6,425,330 | 4,941 |
| Average total loans | $50,666,330 | 4,388 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 1,989 |
| Cost of funding earning assets | 0.4816% | 2,946 |
| Net interest margin | 3.9783% | 1,792 |
| Noninterest income to average assets | 0.4815% | 2,926 |
| Noninterest expense to average assets | 3.2591% | 1,432 |
| Loan and lease loss provision to assets | 0.2078% | 785 |
| Net operating income to assets | 0.6691% | 4,215 |
| Return on assets (ROA) | 0.6691% | 4,218 |
| Pretax return on assets | 0.6995% | 4,448 |
| Return on Equity (ROE) | 8.2571% | 3,267 |
| Retained earnings to average equity (ytd only) | 8.2571% | 1,745 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2238% | 1,331 |
| Assets per employee ($millions) | 2.9997% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,265 |
| Loan loss allowance to noncurrent loans | 28.7229% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 3.5621% | 201 |
| Noncurrent loans to loans | 3.9008% | 261 |
| Net loans and leases to total assets | 62.0020% | 3,547 |
| Net loans and leases to deposits | 71.3295% | 3,674 |
| Net loans and leases to core deposits | 74.6917% | 3,767 |
| Total domestic deposits to total assets | 86.9232% | 2,159 |
| Equity capital to assets | 7.8466% | 5,310 |
| Core capital (leverage) ratio | 8.8107% | 4,882 |
| Tier 1 risk-based capital ratio | 13.7475% | 3,520 |
| Total risk-based capital ratio | 14.8862% | 3,493 |
| Memoranda: | ||
| Average total assets | $78,916,500 | 4,586 |
| Average earning assets | $73,096,000 | 4,571 |
| Average equity | $6,394,500 | 5,000 |
| Average total loans | $50,791,500 | 4,426 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 2,696 |
| Cost of funding earning assets | 0.3924% | 3,313 |
| Net interest margin | 3.8045% | 2,415 |
| Noninterest income to average assets | 0.3033% | 4,288 |
| Noninterest expense to average assets | 3.4241% | 1,164 |
| Loan and lease loss provision to assets | 0.1550% | 1,455 |
| Net operating income to assets | 0.2488% | 5,020 |
| Return on assets (ROA) | 0.2538% | 5,032 |
| Pretax return on assets | 0.2659% | 5,250 |
| Return on Equity (ROE) | 2.9359% | 4,844 |
| Retained earnings to average equity (ytd only) | 1.3443% | 4,467 |
| Net charge-offs to loans | 0.1658% | 1,481 |
| Credit loss provision to net charge-offs | 148.7179% | 1,797 |
| Earnings coverage of net charge-offs (x) | 3.9872% | 3,529 |
| Efficiency ratio | 89.1788% | 465 |
| Assets per employee ($millions) | 2.7444% | 5,363 |
| Cash dividends to net income (ytd only)* | 54.2105% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,700 |
| Loan loss allowance to noncurrent loans | 47.5632% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 2.2722% | 442 |
| Noncurrent loans to loans | 2.1812% | 671 |
| Net loans and leases to total assets | 65.4213% | 3,168 |
| Net loans and leases to deposits | 75.8007% | 3,349 |
| Net loans and leases to core deposits | 79.3444% | 3,467 |
| Total domestic deposits to total assets | 86.3070% | 2,311 |
| Equity capital to assets | 8.3730% | 5,213 |
| Core capital (leverage) ratio | 8.7938% | 4,870 |
| Tier 1 risk-based capital ratio | 14.2932% | 3,201 |
| Total risk-based capital ratio | 15.4120% | 3,176 |
| Memoranda: | ||
| Average total assets | $74,850,800 | 4,694 |
| Average earning assets | $69,576,000 | 4,672 |
| Average equity | $6,471,600 | 5,027 |
| Average total loans | $47,051,800 | 4,537 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 2,613 |
| Cost of funding earning assets | 0.3861% | 3,318 |
| Net interest margin | 3.8150% | 2,344 |
| Noninterest income to average assets | 0.2546% | 4,684 |
| Noninterest expense to average assets | 3.4089% | 1,141 |
| Loan and lease loss provision to assets | 0.1955% | 979 |
| Net operating income to assets | 0.1781% | 5,373 |
| Return on assets (ROA) | 0.1847% | 5,378 |
| Pretax return on assets | 0.2008% | 5,388 |
| Return on Equity (ROE) | 2.1190% | 5,289 |
| Retained earnings to average equity (ytd only) | 0.6584% | 5,073 |
| Net charge-offs to loans | 0.1879% | 1,116 |
| Credit loss provision to net charge-offs | 167.6923% | 1,546 |
| Earnings coverage of net charge-offs (x) | 3.3387% | 3,354 |
| Efficiency ratio | 89.7545% | 417 |
| Assets per employee ($millions) | 2.3814% | 5,555 |
| Cash dividends to net income (ytd only)* | 68.9289% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,671 |
| Loan loss allowance to noncurrent loans | 65.2387% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7374% | 815 |
| Noncurrent loans to loans | 1.6391% | 1,124 |
| Net loans and leases to total assets | 64.7070% | 3,300 |
| Net loans and leases to deposits | 75.0076% | 3,471 |
| Net loans and leases to core deposits | 78.9112% | 3,546 |
| Total domestic deposits to total assets | 86.2673% | 2,197 |
| Equity capital to assets | 8.6254% | 5,209 |
| Core capital (leverage) ratio | 8.8843% | 4,881 |
| Tier 1 risk-based capital ratio | 15.0324% | 2,901 |
| Total risk-based capital ratio | 16.2567% | 2,842 |
| Memoranda: | ||
| Average total assets | $74,353,000 | 4,751 |
| Average earning assets | $69,059,250 | 4,733 |
| Average equity | $6,481,000 | 5,081 |
| Average total loans | $46,115,250 | 4,606 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 2,641 |
| Cost of funding earning assets | 0.3681% | 3,403 |
| Net interest margin | 3.7887% | 2,325 |
| Noninterest income to average assets | 0.3011% | 4,381 |
| Noninterest expense to average assets | 3.3552% | 1,267 |
| Loan and lease loss provision to assets | 0.1112% | 1,838 |
| Net operating income to assets | 0.3290% | 5,153 |
| Return on assets (ROA) | 0.3390% | 5,150 |
| Pretax return on assets | 0.3635% | 5,247 |
| Return on Equity (ROE) | 3.8758% | 4,854 |
| Retained earnings to average equity (ytd only) | 1.6743% | 4,589 |
| Net charge-offs to loans | -0.0535% | 5,206 |
| Credit loss provision to net charge-offs | -341.6667% | 4,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8551% | 556 |
| Assets per employee ($millions) | 2.4844% | 5,561 |
| Cash dividends to net income (ytd only)* | 56.8000% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,404 |
| Loan loss allowance to noncurrent loans | 73.1444% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7751% | 785 |
| Noncurrent loans to loans | 1.5494% | 1,204 |
| Net loans and leases to total assets | 63.4421% | 3,460 |
| Net loans and leases to deposits | 71.8842% | 3,755 |
| Net loans and leases to core deposits | 75.6145% | 3,806 |
| Total domestic deposits to total assets | 88.2559% | 1,329 |
| Equity capital to assets | 8.8527% | 5,035 |
| Core capital (leverage) ratio | 9.2594% | 4,416 |
| Tier 1 risk-based capital ratio | 15.8671% | 2,556 |
| Total risk-based capital ratio | 17.1175% | 2,500 |
| Memoranda: | ||
| Average total assets | $73,735,670 | 4,790 |
| Average earning assets | $68,466,670 | 4,775 |
| Average equity | $6,450,330 | 5,114 |
| Average total loans | $44,872,670 | 4,664 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 2,822 |
| Cost of funding earning assets | 0.3517% | 3,509 |
| Net interest margin | 3.7041% | 2,477 |
| Noninterest income to average assets | 0.4691% | 3,197 |
| Noninterest expense to average assets | 3.2834% | 1,420 |
| Loan and lease loss provision to assets | 0.3054% | 434 |
| Net operating income to assets | 0.2805% | 5,245 |
| Return on assets (ROA) | 0.2945% | 5,223 |
| Pretax return on assets | 0.3436% | 5,242 |
| Return on Equity (ROE) | 3.3874% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.3874% | 3,742 |
| Net charge-offs to loans | -0.1014% | 5,445 |
| Credit loss provision to net charge-offs | -509.0909% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8440% | 983 |
| Assets per employee ($millions) | 2.6466% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,902 |
| Loan loss allowance to noncurrent loans | 53.6174% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.8298% | 765 |
| Noncurrent loans to loans | 2.3083% | 712 |
| Net loans and leases to total assets | 58.2544% | 3,950 |
| Net loans and leases to deposits | 66.4645% | 4,131 |
| Net loans and leases to core deposits | 68.5630% | 4,251 |
| Total domestic deposits to total assets | 87.6474% | 1,918 |
| Equity capital to assets | 8.7145% | 5,065 |
| Core capital (leverage) ratio | 9.2160% | 4,458 |
| Tier 1 risk-based capital ratio | 16.2922% | 2,438 |
| Total risk-based capital ratio | 17.5421% | 2,382 |
| Memoranda: | ||
| Average total assets | $73,338,000 | 4,844 |
| Average earning assets | $68,249,500 | 4,825 |
| Average equity | $6,376,500 | 5,181 |
| Average total loans | $43,396,000 | 4,744 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 3,437 |
| Cost of funding earning assets | 0.3445% | 3,586 |
| Net interest margin | 3.5915% | 3,100 |
| Noninterest income to average assets | 0.3690% | 4,105 |
| Noninterest expense to average assets | 3.4033% | 1,349 |
| Loan and lease loss provision to assets | 0.1302% | 1,916 |
| Net operating income to assets | 0.1528% | 5,493 |
| Return on assets (ROA) | 0.2930% | 5,305 |
| Pretax return on assets | 0.3581% | 5,285 |
| Return on Equity (ROE) | 3.2454% | 5,088 |
| Retained earnings to average equity (ytd only) | 0.8414% | 4,987 |
| Net charge-offs to loans | 0.1276% | 1,970 |
| Credit loss provision to net charge-offs | 184.6154% | 1,522 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,488 |
| Efficiency ratio | 91.4692% | 485 |
| Assets per employee ($millions) | 2.5918% | 5,621 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,714 |
| Loan loss allowance to noncurrent loans | 38.7889% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 1.9099% | 747 |
| Noncurrent loans to loans | 2.8365% | 506 |
| Net loans and leases to total assets | 58.7116% | 4,001 |
| Net loans and leases to deposits | 66.7392% | 4,190 |
| Net loans and leases to core deposits | 68.6004% | 4,355 |
| Total domestic deposits to total assets | 87.9716% | 1,643 |
| Equity capital to assets | 8.6744% | 5,127 |
| Core capital (leverage) ratio | 9.0168% | 4,724 |
| Tier 1 risk-based capital ratio | 16.8950% | 2,191 |
| Total risk-based capital ratio | 18.1450% | 2,140 |
| Memoranda: | ||
| Average total assets | $73,721,600 | 4,854 |
| Average earning assets | $68,800,800 | 4,831 |
| Average equity | $6,655,600 | 5,159 |
| Average total loans | $40,767,600 | 4,847 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 3,535 |
| Cost of funding earning assets | 0.3350% | 3,717 |
| Net interest margin | 3.5792% | 3,164 |
| Noninterest income to average assets | 0.3585% | 4,214 |
| Noninterest expense to average assets | 3.3725% | 1,407 |
| Loan and lease loss provision to assets | 0.1621% | 1,428 |
| Net operating income to assets | 0.1486% | 5,558 |
| Return on assets (ROA) | 0.2756% | 5,416 |
| Pretax return on assets | 0.3207% | 5,431 |
| Return on Equity (ROE) | 3.0240% | 5,212 |
| Retained earnings to average equity (ytd only) | 1.3045% | 4,993 |
| Net charge-offs to loans | 0.1327% | 1,645 |
| Credit loss provision to net charge-offs | 225.0000% | 1,308 |
| Earnings coverage of net charge-offs (x) | 4.6501% | 3,244 |
| Efficiency ratio | 90.9621% | 512 |
| Assets per employee ($millions) | 2.6974% | 5,605 |
| Cash dividends to net income (ytd only)* | 56.8655% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 3,561 |
| Loan loss allowance to noncurrent loans | 46.5116% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.6737% | 1,024 |
| Noncurrent loans to loans | 2.4651% | 717 |
| Net loans and leases to total assets | 56.8220% | 4,217 |
| Net loans and leases to deposits | 64.9609% | 4,419 |
| Net loans and leases to core deposits | 66.2006% | 4,594 |
| Total domestic deposits to total assets | 87.4710% | 1,682 |
| Equity capital to assets | 9.3669% | 4,795 |
| Core capital (leverage) ratio | 9.1317% | 4,682 |
| Tier 1 risk-based capital ratio | 16.2964% | 2,503 |
| Total risk-based capital ratio | 17.5090% | 2,475 |
| Memoranda: | ||
| Average total assets | $74,009,500 | 4,884 |
| Average earning assets | $69,250,250 | 4,859 |
| Average equity | $6,745,750 | 5,193 |
| Average total loans | $40,189,250 | 4,912 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8000% | 3,958 |
| Cost of funding earning assets | 0.3291% | 3,804 |
| Net interest margin | 3.4710% | 3,606 |
| Noninterest income to average assets | 0.5322% | 2,993 |
| Noninterest expense to average assets | 3.3494% | 1,481 |
| Loan and lease loss provision to assets | 0.2016% | 1,062 |
| Net operating income to assets | 0.2030% | 5,518 |
| Return on assets (ROA) | 0.3091% | 5,387 |
| Pretax return on assets | 0.3683% | 5,392 |
| Return on Equity (ROE) | 3.4225% | 5,119 |
| Retained earnings to average equity (ytd only) | 0.8333% | 5,047 |
| Net charge-offs to loans | 0.2069% | 1,121 |
| Credit loss provision to net charge-offs | 182.9268% | 1,385 |
| Earnings coverage of net charge-offs (x) | 4.0244% | 3,028 |
| Efficiency ratio | 88.3062% | 700 |
| Assets per employee ($millions) | 2.7926% | 5,613 |
| Cash dividends to net income (ytd only)* | 75.6522% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 3,750 |
| Loan loss allowance to noncurrent loans | 50.1622% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.5279% | 1,238 |
| Noncurrent loans to loans | 2.2627% | 814 |
| Net loans and leases to total assets | 53.6042% | 4,547 |
| Net loans and leases to deposits | 61.4231% | 4,700 |
| Net loans and leases to core deposits | 62.8286% | 4,826 |
| Total domestic deposits to total assets | 87.2704% | 1,769 |
| Equity capital to assets | 9.0412% | 5,209 |
| Core capital (leverage) ratio | 9.1078% | 4,708 |
| Tier 1 risk-based capital ratio | 17.6735% | 2,022 |
| Total risk-based capital ratio | 18.9246% | 1,979 |
| Memoranda: | ||
| Average total assets | $74,402,330 | 4,925 |
| Average earning assets | $69,894,330 | 4,888 |
| Average equity | $6,720,330 | 5,241 |
| Average total loans | $39,631,000 | 4,985 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 3,684 |
| Cost of funding earning assets | 0.3314% | 3,823 |
| Net interest margin | 3.5430% | 3,309 |
| Noninterest income to average assets | 0.5358% | 2,895 |
| Noninterest expense to average assets | 3.4315% | 1,315 |
| Loan and lease loss provision to assets | 0.3247% | 472 |
| Net operating income to assets | 0.1094% | 5,665 |
| Return on assets (ROA) | 0.2760% | 5,441 |
| Pretax return on assets | 0.3410% | 5,424 |
| Return on Equity (ROE) | 3.0576% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.0576% | 3,982 |
| Net charge-offs to loans | 0.4410% | 514 |
| Credit loss provision to net charge-offs | 139.5349% | 1,318 |
| Earnings coverage of net charge-offs (x) | 1.9767% | 2,747 |
| Efficiency ratio | 88.1780% | 799 |
| Assets per employee ($millions) | 2.6824% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 3,760 |
| Loan loss allowance to noncurrent loans | 46.2733% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 1.5684% | 1,276 |
| Noncurrent loans to loans | 2.4877% | 760 |
| Net loans and leases to total assets | 51.1051% | 4,714 |
| Net loans and leases to deposits | 57.8081% | 4,866 |
| Net loans and leases to core deposits | 59.3500% | 4,978 |
| Total domestic deposits to total assets | 88.4047% | 1,408 |
| Equity capital to assets | 8.9338% | 5,238 |
| Core capital (leverage) ratio | 9.2557% | 4,545 |
| Tier 1 risk-based capital ratio | 19.1621% | 1,693 |
| Total risk-based capital ratio | 20.4129% | 1,658 |
| Memoranda: | ||
| Average total assets | $73,904,000 | 4,978 |
| Average earning assets | $69,997,000 | 4,927 |
| Average equity | $6,672,000 | 5,289 |
| Average total loans | $39,006,000 | 5,047 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 3,599 |
| Cost of funding earning assets | 0.3880% | 3,282 |
| Net interest margin | 3.5417% | 3,365 |
| Noninterest income to average assets | 0.4870% | 3,419 |
| Noninterest expense to average assets | 3.4284% | 1,437 |
| Loan and lease loss provision to assets | 0.2751% | 668 |
| Net operating income to assets | 0.1158% | 5,734 |
| Return on assets (ROA) | 0.3549% | 5,283 |
| Pretax return on assets | 0.3756% | 5,370 |
| Return on Equity (ROE) | 3.8420% | 5,011 |
| Retained earnings to average equity (ytd only) | 0.1489% | 5,448 |
| Net charge-offs to loans | 0.5787% | 423 |
| Credit loss provision to net charge-offs | 91.3242% | 2,739 |
| Earnings coverage of net charge-offs (x) | 1.3242% | 4,107 |
| Efficiency ratio | 89.2523% | 741 |
| Assets per employee ($millions) | 2.5964% | 5,841 |
| Cash dividends to net income (ytd only)* | 96.1240% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 4,065 |
| Loan loss allowance to noncurrent loans | 49.5392% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 1.4979% | 1,350 |
| Noncurrent loans to loans | 2.2154% | 891 |
| Net loans and leases to total assets | 53.3026% | 4,562 |
| Net loans and leases to deposits | 60.5324% | 4,733 |
| Net loans and leases to core deposits | 61.9016% | 4,883 |
| Total domestic deposits to total assets | 88.0564% | 1,600 |
| Equity capital to assets | 9.1252% | 4,994 |
| Core capital (leverage) ratio | 9.2073% | 4,605 |
| Tier 1 risk-based capital ratio | 18.5998% | 1,808 |
| Total risk-based capital ratio | 19.8515% | 1,755 |
| Memoranda: | ||
| Average total assets | $72,687,800 | 5,025 |
| Average earning assets | $68,554,800 | 4,966 |
| Average equity | $6,715,200 | 5,294 |
| Average total loans | $37,842,400 | 5,093 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 3,470 |
| Cost of funding earning assets | 0.3939% | 3,285 |
| Net interest margin | 3.5739% | 3,258 |
| Noninterest income to average assets | 0.4347% | 3,833 |
| Noninterest expense to average assets | 3.3789% | 1,513 |
| Loan and lease loss provision to assets | 0.1999% | 1,007 |
| Net operating income to assets | 0.1914% | 5,696 |
| Return on assets (ROA) | 0.4109% | 5,214 |
| Pretax return on assets | 0.4678% | 5,299 |
| Return on Equity (ROE) | 4.4341% | 4,855 |
| Retained earnings to average equity (ytd only) | 1.9795% | 4,886 |
| Net charge-offs to loans | 0.5154% | 462 |
| Credit loss provision to net charge-offs | 75.1724% | 2,678 |
| Earnings coverage of net charge-offs (x) | 1.5724% | 3,809 |
| Efficiency ratio | 88.9855% | 763 |
| Assets per employee ($millions) | 2.5883% | 5,912 |
| Cash dividends to net income (ytd only)* | 55.3573% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 4,396 |
| Loan loss allowance to noncurrent loans | 46.5090% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 1.5510% | 1,438 |
| Noncurrent loans to loans | 2.2961% | 932 |
| Net loans and leases to total assets | 52.7949% | 4,681 |
| Net loans and leases to deposits | 62.3285% | 4,699 |
| Net loans and leases to core deposits | 63.7970% | 4,830 |
| Total domestic deposits to total assets | 84.7042% | 3,125 |
| Equity capital to assets | 9.3430% | 4,947 |
| Core capital (leverage) ratio | 9.1472% | 4,813 |
| Tier 1 risk-based capital ratio | 19.2135% | 1,722 |
| Total risk-based capital ratio | 20.5166% | 1,679 |
| Memoranda: | ||
| Average total assets | $72,684,750 | 5,083 |
| Average earning assets | $68,382,500 | 5,035 |
| Average equity | $6,735,500 | 5,358 |
| Average total loans | $37,507,750 | 5,158 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 3,678 |
| Cost of funding earning assets | 0.4048% | 3,226 |
| Net interest margin | 3.4974% | 3,509 |
| Noninterest income to average assets | 0.4233% | 3,902 |
| Noninterest expense to average assets | 3.3619% | 1,544 |
| Loan and lease loss provision to assets | 0.2007% | 976 |
| Net operating income to assets | 0.1759% | 5,748 |
| Return on assets (ROA) | 0.5140% | 4,816 |
| Pretax return on assets | 0.5003% | 5,225 |
| Return on Equity (ROE) | 5.5624% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.8740% | 4,757 |
| Net charge-offs to loans | 0.4095% | 633 |
| Credit loss provision to net charge-offs | 96.0526% | 2,129 |
| Earnings coverage of net charge-offs (x) | 1.7368% | 3,459 |
| Efficiency ratio | 90.2583% | 731 |
| Assets per employee ($millions) | 2.6333% | 5,962 |
| Cash dividends to net income (ytd only)* | 66.3102% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 4,033 |
| Loan loss allowance to noncurrent loans | 40.6934% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.8065% | 1,273 |
| Noncurrent loans to loans | 2.8477% | 721 |
| Net loans and leases to total assets | 51.5929% | 4,793 |
| Net loans and leases to deposits | 59.5684% | 4,887 |
| Net loans and leases to core deposits | 62.1311% | 4,938 |
| Total domestic deposits to total assets | 86.6112% | 2,365 |
| Equity capital to assets | 8.9756% | 5,255 |
| Core capital (leverage) ratio | 9.2938% | 4,563 |
| Tier 1 risk-based capital ratio | 19.8542% | 1,584 |
| Total risk-based capital ratio | 21.1063% | 1,541 |
| Memoranda: | ||
| Average total assets | $72,756,000 | 5,137 |
| Average earning assets | $68,679,000 | 5,070 |
| Average equity | $6,723,670 | 5,406 |
| Average total loans | $37,119,000 | 5,214 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,121 |
| Cost of funding earning assets | 0.4119% | 3,173 |
| Net interest margin | 3.6191% | 2,932 |
| Noninterest income to average assets | 0.4207% | 3,839 |
| Noninterest expense to average assets | 3.5092% | 1,285 |
| Loan and lease loss provision to assets | 0.3487% | 368 |
| Net operating income to assets | -0.0332% | 6,045 |
| Return on assets (ROA) | 0.6476% | 4,178 |
| Pretax return on assets | 0.6476% | 4,772 |
| Return on Equity (ROE) | 6.9062% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.9062% | 2,048 |
| Net charge-offs to loans | 0.5709% | 430 |
| Credit loss provision to net charge-offs | 121.1538% | 1,435 |
| Earnings coverage of net charge-offs (x) | 1.0962% | 2,969 |
| Efficiency ratio | 91.7511% | 730 |
| Assets per employee ($millions) | 2.4369% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 3,595 |
| Loan loss allowance to noncurrent loans | 54.2453% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 1,776 |
| Noncurrent loans to loans | 2.3356% | 1,053 |
| Net loans and leases to total assets | 49.0356% | 4,936 |
| Net loans and leases to deposits | 56.8366% | 4,993 |
| Net loans and leases to core deposits | 59.3127% | 5,052 |
| Total domestic deposits to total assets | 86.2747% | 2,783 |
| Equity capital to assets | 9.4000% | 4,854 |
| Core capital (leverage) ratio | 9.3979% | 4,436 |
| Tier 1 risk-based capital ratio | 18.3724% | 2,043 |
| Total risk-based capital ratio | 19.6236% | 1,995 |
| Memoranda: | ||
| Average total assets | $72,267,500 | 5,189 |
| Average earning assets | $67,972,500 | 5,142 |
| Average equity | $6,776,500 | 5,441 |
| Average total loans | $36,435,000 | 5,277 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 2,936 |
| Cost of funding earning assets | 0.4812% | 2,868 |
| Net interest margin | 3.7252% | 2,902 |
| Noninterest income to average assets | 0.4211% | 4,030 |
| Noninterest expense to average assets | 3.5969% | 1,314 |
| Loan and lease loss provision to assets | 0.4338% | 387 |
| Net operating income to assets | -0.0761% | 6,136 |
| Return on assets (ROA) | 0.3746% | 5,377 |
| Pretax return on assets | 0.3521% | 5,600 |
| Return on Equity (ROE) | 4.0067% | 5,110 |
| Retained earnings to average equity (ytd only) | 2.5005% | 4,455 |
| Net charge-offs to loans | 0.8729% | 374 |
| Credit loss provision to net charge-offs | 97.7778% | 2,478 |
| Earnings coverage of net charge-offs (x) | 0.7556% | 4,571 |
| Efficiency ratio | 91.4756% | 740 |
| Assets per employee ($millions) | 2.3810% | 6,231 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 3,841 |
| Loan loss allowance to noncurrent loans | 48.5405% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 1.7052% | 1,567 |
| Noncurrent loans to loans | 2.5299% | 1,004 |
| Net loans and leases to total assets | 50.5579% | 4,912 |
| Net loans and leases to deposits | 58.1427% | 5,054 |
| Net loans and leases to core deposits | 58.1427% | 5,253 |
| Total domestic deposits to total assets | 86.9549% | 2,313 |
| Equity capital to assets | 9.3533% | 4,908 |
| Core capital (leverage) ratio | 9.1578% | 4,739 |
| Tier 1 risk-based capital ratio | 12.0282% | 5,347 |
| Total risk-based capital ratio | 12.8772% | 5,507 |
| Memoranda: | ||
| Average total assets | $71,004,800 | 5,256 |
| Average earning assets | $66,922,000 | 5,202 |
| Average equity | $6,638,800 | 5,493 |
| Average total loans | $36,085,600 | 5,326 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 2,947 |
| Cost of funding earning assets | 0.4705% | 3,049 |
| Net interest margin | 3.7418% | 2,851 |
| Noninterest income to average assets | 0.4081% | 4,179 |
| Noninterest expense to average assets | 3.6333% | 1,233 |
| Loan and lease loss provision to assets | 0.3723% | 469 |
| Net operating income to assets | -0.0451% | 6,178 |
| Return on assets (ROA) | 0.3799% | 5,402 |
| Pretax return on assets | 0.3573% | 5,662 |
| Return on Equity (ROE) | 4.0634% | 5,147 |
| Retained earnings to average equity (ytd only) | 2.6954% | 4,668 |
| Net charge-offs to loans | 0.9194% | 350 |
| Credit loss provision to net charge-offs | 79.8387% | 2,593 |
| Earnings coverage of net charge-offs (x) | 0.6532% | 4,341 |
| Efficiency ratio | 92.2636% | 694 |
| Assets per employee ($millions) | 2.3813% | 6,307 |
| Cash dividends to net income (ytd only)* | 33.6613% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 4,506 |
| Loan loss allowance to noncurrent loans | 34.2039% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 2.0129% | 1,418 |
| Noncurrent loans to loans | 3.3603% | 735 |
| Net loans and leases to total assets | 48.8774% | 5,120 |
| Net loans and leases to deposits | 56.0707% | 5,234 |
| Net loans and leases to core deposits | 58.9323% | 5,272 |
| Total domestic deposits to total assets | 87.1711% | 2,225 |
| Equity capital to assets | 9.3967% | 4,929 |
| Core capital (leverage) ratio | 9.1181% | 4,902 |
| Tier 1 risk-based capital ratio | 11.9723% | 5,509 |
| Total risk-based capital ratio | 12.7435% | 5,725 |
| Memoranda: | ||
| Average total assets | $70,898,750 | 5,318 |
| Average earning assets | $66,883,000 | 5,262 |
| Average equity | $6,628,250 | 5,549 |
| Average total loans | $35,966,500 | 5,381 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,821 |
| Cost of funding earning assets | 0.4834% | 2,993 |
| Net interest margin | 3.7529% | 2,746 |
| Noninterest income to average assets | 0.3903% | 4,309 |
| Noninterest expense to average assets | 3.5549% | 1,377 |
| Loan and lease loss provision to assets | 0.1980% | 1,229 |
| Net operating income to assets | 0.2093% | 5,805 |
| Return on assets (ROA) | 0.4186% | 5,227 |
| Pretax return on assets | 0.3818% | 5,610 |
| Return on Equity (ROE) | 4.4848% | 4,927 |
| Retained earnings to average equity (ytd only) | 2.4242% | 4,669 |
| Net charge-offs to loans | 0.3538% | 1,162 |
| Credit loss provision to net charge-offs | 109.3750% | 1,833 |
| Earnings coverage of net charge-offs (x) | 2.0469% | 3,661 |
| Efficiency ratio | 90.5620% | 873 |
| Assets per employee ($millions) | 2.4612% | 6,319 |
| Cash dividends to net income (ytd only)* | 45.9459% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 4,066 |
| Loan loss allowance to noncurrent loans | 120.3125% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 3,310 |
| Noncurrent loans to loans | 1.0492% | 3,132 |
| Net loans and leases to total assets | 48.9402% | 5,090 |
| Net loans and leases to deposits | 55.8516% | 5,199 |
| Net loans and leases to core deposits | 58.5787% | 5,229 |
| Total domestic deposits to total assets | 87.6254% | 2,128 |
| Equity capital to assets | 9.1499% | 5,157 |
| Core capital (leverage) ratio | 9.1686% | 4,791 |
| Tier 1 risk-based capital ratio | 11.3303% | 5,887 |
| Total risk-based capital ratio | 12.1629% | 6,032 |
| Memoranda: | ||
| Average total assets | $70,718,330 | 5,366 |
| Average earning assets | $66,615,670 | 5,307 |
| Average equity | $6,600,000 | 5,585 |
| Average total loans | $36,180,670 | 5,412 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 2,473 |
| Cost of funding earning assets | 0.4812% | 3,100 |
| Net interest margin | 3.8313% | 2,337 |
| Noninterest income to average assets | 0.3991% | 4,196 |
| Noninterest expense to average assets | 3.6322% | 1,246 |
| Loan and lease loss provision to assets | 0.0752% | 2,637 |
| Net operating income to assets | 0.3528% | 5,302 |
| Return on assets (ROA) | 0.4280% | 5,076 |
| Pretax return on assets | 0.4049% | 5,441 |
| Return on Equity (ROE) | 4.5385% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.5385% | 3,396 |
| Net charge-offs to loans | 0.7228% | 483 |
| Credit loss provision to net charge-offs | 20.0000% | 2,498 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 3,189 |
| Efficiency ratio | 89.9713% | 1,039 |
| Assets per employee ($millions) | 2.2755% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 4,972 |
| Loan loss allowance to noncurrent loans | 42.9787% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 2,371 |
| Noncurrent loans to loans | 2.6334% | 1,299 |
| Net loans and leases to total assets | 50.0291% | 4,908 |
| Net loans and leases to deposits | 58.4956% | 4,891 |
| Net loans and leases to core deposits | 61.5684% | 4,918 |
| Total domestic deposits to total assets | 85.5261% | 3,599 |
| Equity capital to assets | 9.3633% | 4,678 |
| Core capital (leverage) ratio | 9.5228% | 4,247 |
| Tier 1 risk-based capital ratio | 11.4760% | 5,926 |
| Total risk-based capital ratio | 12.2185% | 6,118 |
| Memoranda: | ||
| Average total assets | $69,159,000 | 5,469 |
| Average earning assets | $65,669,500 | 5,384 |
| Average equity | $6,522,000 | 5,631 |
| Average total loans | $35,972,000 | 5,463 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 2,109 |
| Cost of funding earning assets | 0.5178% | 3,422 |
| Net interest margin | 4.0078% | 1,926 |
| Noninterest income to average assets | 0.4684% | 3,971 |
| Noninterest expense to average assets | 3.5286% | 1,596 |
| Loan and lease loss provision to assets | 0.2320% | 1,554 |
| Net operating income to assets | 0.5323% | 4,589 |
| Return on assets (ROA) | 0.6004% | 4,376 |
| Pretax return on assets | 0.5816% | 4,929 |
| Return on Equity (ROE) | 6.1186% | 4,020 |
| Retained earnings to average equity (ytd only) | -7.8183% | 6,490 |
| Net charge-offs to loans | 0.5791% | 1,138 |
| Credit loss provision to net charge-offs | 73.0594% | 3,224 |
| Earnings coverage of net charge-offs (x) | 2.3470% | 4,229 |
| Efficiency ratio | 82.5585% | 1,806 |
| Assets per employee ($millions) | 2.1180% | 6,604 |
| Cash dividends to net income (ytd only)* | 227.7778% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 4,358 |
| Loan loss allowance to noncurrent loans | 63.2455% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.1803% | 3,038 |
| Noncurrent loans to loans | 1.9890% | 1,999 |
| Net loans and leases to total assets | 52.8100% | 4,748 |
| Net loans and leases to deposits | 60.9897% | 4,832 |
| Net loans and leases to core deposits | 64.2649% | 4,842 |
| Total domestic deposits to total assets | 86.5884% | 2,946 |
| Equity capital to assets | 9.5003% | 4,426 |
| Core capital (leverage) ratio | 9.5312% | 4,215 |
| Tier 1 risk-based capital ratio | 11.9833% | 5,620 |
| Total risk-based capital ratio | 12.8637% | 5,785 |
| Memoranda: | ||
| Average total assets | $68,951,200 | 5,509 |
| Average earning assets | $65,472,200 | 5,422 |
| Average equity | $6,766,200 | 5,625 |
| Average total loans | $37,819,400 | 5,433 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 2,095 |
| Cost of funding earning assets | 0.5175% | 3,593 |
| Net interest margin | 4.0180% | 1,888 |
| Noninterest income to average assets | 0.4756% | 3,969 |
| Noninterest expense to average assets | 3.5063% | 1,599 |
| Loan and lease loss provision to assets | 0.2888% | 1,191 |
| Net operating income to assets | 0.5102% | 4,756 |
| Return on assets (ROA) | 0.6008% | 4,468 |
| Pretax return on assets | 0.5834% | 5,084 |
| Return on Equity (ROE) | 6.0746% | 4,147 |
| Retained earnings to average equity (ytd only) | -10.1244% | 6,643 |
| Net charge-offs to loans | 0.4257% | 1,502 |
| Credit loss provision to net charge-offs | 122.9508% | 1,910 |
| Earnings coverage of net charge-offs (x) | 3.3279% | 3,736 |
| Efficiency ratio | 81.7692% | 1,855 |
| Assets per employee ($millions) | 2.2668% | 6,611 |
| Cash dividends to net income (ytd only)* | 266.6675% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 3,731 |
| Loan loss allowance to noncurrent loans | 68.9962% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2764% | 3,093 |
| Noncurrent loans to loans | 2.0888% | 2,142 |
| Net loans and leases to total assets | 54.6056% | 4,515 |
| Net loans and leases to deposits | 63.4119% | 4,580 |
| Net loans and leases to core deposits | 66.8587% | 4,637 |
| Total domestic deposits to total assets | 86.1126% | 3,187 |
| Equity capital to assets | 9.6744% | 4,331 |
| Core capital (leverage) ratio | 9.5502% | 4,334 |
| Tier 1 risk-based capital ratio | 11.6549% | 5,980 |
| Total risk-based capital ratio | 12.6661% | 6,060 |
| Memoranda: | ||
| Average total assets | $69,244,750 | 5,553 |
| Average earning assets | $65,702,750 | 5,465 |
| Average equity | $6,848,000 | 5,683 |
| Average total loans | $38,212,000 | 5,474 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 2,176 |
| Cost of funding earning assets | 0.5222% | 3,682 |
| Net interest margin | 3.9845% | 1,918 |
| Noninterest income to average assets | 0.4996% | 3,840 |
| Noninterest expense to average assets | 3.4396% | 1,739 |
| Loan and lease loss provision to assets | 0.4077% | 754 |
| Net operating income to assets | 0.4594% | 4,975 |
| Return on assets (ROA) | 0.5943% | 4,499 |
| Pretax return on assets | 0.5771% | 5,107 |
| Return on Equity (ROE) | 5.9674% | 4,199 |
| Retained earnings to average equity (ytd only) | -18.0176% | 6,785 |
| Net charge-offs to loans | 0.6043% | 1,095 |
| Credit loss provision to net charge-offs | 122.4138% | 1,829 |
| Earnings coverage of net charge-offs (x) | 2.5517% | 3,670 |
| Efficiency ratio | 80.1874% | 2,126 |
| Assets per employee ($millions) | 2.2144% | 6,677 |
| Cash dividends to net income (ytd only)* | 401.9324% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 3,962 |
| Loan loss allowance to noncurrent loans | 114.3763% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 4,211 |
| Noncurrent loans to loans | 1.2378% | 3,480 |
| Net loans and leases to total assets | 54.8764% | 4,467 |
| Net loans and leases to deposits | 63.7756% | 4,536 |
| Net loans and leases to core deposits | 66.7890% | 4,617 |
| Total domestic deposits to total assets | 86.0460% | 3,341 |
| Equity capital to assets | 9.2837% | 4,880 |
| Core capital (leverage) ratio | 9.2113% | 4,682 |
| Tier 1 risk-based capital ratio | 11.3037% | 6,203 |
| Total risk-based capital ratio | 12.2935% | 6,291 |
| Memoranda: | ||
| Average total assets | $69,658,330 | 5,581 |
| Average earning assets | $66,257,000 | 5,487 |
| Average equity | $6,937,670 | 5,702 |
| Average total loans | $38,390,330 | 5,491 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 2,405 |
| Cost of funding earning assets | 0.5364% | 3,715 |
| Net interest margin | 3.8977% | 2,124 |
| Noninterest income to average assets | 0.4846% | 3,887 |
| Noninterest expense to average assets | 3.5346% | 1,552 |
| Loan and lease loss provision to assets | 0.0456% | 3,847 |
| Net operating income to assets | 0.6499% | 3,964 |
| Return on assets (ROA) | 0.6499% | 4,119 |
| Pretax return on assets | 0.6328% | 4,827 |
| Return on Equity (ROE) | 6.3158% | 3,872 |
| Retained earnings to average equity (ytd only) | -38.0055% | 6,927 |
| Net charge-offs to loans | 0.3534% | 1,585 |
| Credit loss provision to net charge-offs | 23.5294% | 2,988 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,753 |
| Efficiency ratio | 83.8972% | 1,781 |
| Assets per employee ($millions) | 2.2395% | 6,745 |
| Cash dividends to net income (ytd only)* | 701.7544% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 4,817 |
| Loan loss allowance to noncurrent loans | 52.2995% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.4433% | 3,092 |
| Noncurrent loans to loans | 2.4393% | 2,112 |
| Net loans and leases to total assets | 54.5079% | 4,330 |
| Net loans and leases to deposits | 63.1262% | 4,400 |
| Net loans and leases to core deposits | 66.1648% | 4,509 |
| Total domestic deposits to total assets | 86.3475% | 3,333 |
| Equity capital to assets | 9.8973% | 4,281 |
| Core capital (leverage) ratio | 9.0606% | 4,787 |
| Tier 1 risk-based capital ratio | 11.4603% | 6,205 |
| Total risk-based capital ratio | 12.3738% | 6,328 |
| Memoranda: | ||
| Average total assets | $70,164,000 | 5,620 |
| Average earning assets | $67,116,500 | 5,516 |
| Average equity | $7,220,000 | 5,679 |
| Average total loans | $38,479,500 | 5,530 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 2,661 |
| Cost of funding earning assets | 0.6733% | 3,708 |
| Net interest margin | 4.0107% | 2,356 |
| Noninterest income to average assets | 0.4160% | 4,485 |
| Noninterest expense to average assets | 3.7137% | 1,390 |
| Loan and lease loss provision to assets | 0.0725% | 4,826 |
| Net operating income to assets | 0.4160% | 5,028 |
| Return on assets (ROA) | 0.5552% | 4,706 |
| Pretax return on assets | 0.5334% | 5,185 |
| Return on Equity (ROE) | 4.9920% | 4,678 |
| Retained earnings to average equity (ytd only) | -0.3128% | 5,910 |
| Net charge-offs to loans | 0.0530% | 5,187 |
| Credit loss provision to net charge-offs | 250.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 16.1000% | 1,602 |
| Efficiency ratio | 88.8350% | 1,162 |
| Assets per employee ($millions) | 2.2158% | 6,824 |
| Cash dividends to net income (ytd only)* | 106.2663% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 4,480 |
| Loan loss allowance to noncurrent loans | 178.2007% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 5,210 |
| Noncurrent loans to loans | 0.7481% | 4,682 |
| Net loans and leases to total assets | 53.7536% | 4,650 |
| Net loans and leases to deposits | 64.0130% | 4,530 |
| Net loans and leases to core deposits | 67.4286% | 4,597 |
| Total domestic deposits to total assets | 83.9729% | 4,326 |
| Equity capital to assets | 10.6748% | 3,317 |
| Core capital (leverage) ratio | 9.9999% | 3,395 |
| Tier 1 risk-based capital ratio | 12.6704% | 5,350 |
| Total risk-based capital ratio | 13.6286% | 5,508 |
| Memoranda: | ||
| Average total assets | $68,987,000 | 5,653 |
| Average earning assets | $64,751,800 | 5,592 |
| Average equity | $7,672,200 | 5,590 |
| Average total loans | $37,712,800 | 5,602 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 2,734 |
| Cost of funding earning assets | 0.6839% | 3,906 |
| Net interest margin | 4.0326% | 2,372 |
| Noninterest income to average assets | 0.3892% | 4,717 |
| Noninterest expense to average assets | 3.7056% | 1,356 |
| Loan and lease loss provision to assets | 0.0817% | 4,607 |
| Net operating income to assets | 0.3892% | 5,293 |
| Return on assets (ROA) | 0.5761% | 4,767 |
| Pretax return on assets | 0.5527% | 5,291 |
| Return on Equity (ROE) | 5.1268% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.1568% | 3,976 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2221% | 1,094 |
| Assets per employee ($millions) | 2.2154% | 6,911 |
| Cash dividends to net income (ytd only)* | 18.9175% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 4,464 |
| Loan loss allowance to noncurrent loans | 152.3121% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 4,924 |
| Noncurrent loans to loans | 0.9056% | 4,617 |
| Net loans and leases to total assets | 53.1477% | 4,884 |
| Net loans and leases to deposits | 63.9412% | 4,719 |
| Net loans and leases to core deposits | 67.3700% | 4,794 |
| Total domestic deposits to total assets | 83.1196% | 4,600 |
| Equity capital to assets | 11.1153% | 3,135 |
| Core capital (leverage) ratio | 10.5134% | 2,898 |
| Tier 1 risk-based capital ratio | 12.6973% | 5,480 |
| Total risk-based capital ratio | 13.6437% | 5,678 |
| Memoranda: | ||
| Average total assets | $68,507,500 | 5,727 |
| Average earning assets | $63,944,000 | 5,670 |
| Average equity | $7,698,000 | 5,644 |
| Average total loans | $37,483,750 | 5,681 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 3,070 |
| Cost of funding earning assets | 0.6912% | 4,085 |
| Net interest margin | 3.9744% | 2,615 |
| Noninterest income to average assets | 0.5110% | 3,852 |
| Noninterest expense to average assets | 3.6537% | 1,462 |
| Loan and lease loss provision to assets | 0.0443% | 5,127 |
| Net operating income to assets | 0.5730% | 4,482 |
| Return on assets (ROA) | 0.5730% | 4,758 |
| Pretax return on assets | 0.5494% | 5,314 |
| Return on Equity (ROE) | 5.0803% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.6138% | 4,192 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0223% | 1,433 |
| Assets per employee ($millions) | 2.1918% | 6,974 |
| Cash dividends to net income (ytd only)* | 28.8660% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 4,786 |
| Loan loss allowance to noncurrent loans | 118.7648% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 4,622 |
| Noncurrent loans to loans | 1.1141% | 4,294 |
| Net loans and leases to total assets | 53.1674% | 4,938 |
| Net loans and leases to deposits | 62.9218% | 4,886 |
| Net loans and leases to core deposits | 66.5548% | 4,936 |
| Total domestic deposits to total assets | 84.4975% | 4,100 |
| Equity capital to assets | 11.0983% | 3,016 |
| Core capital (leverage) ratio | 10.3475% | 2,989 |
| Tier 1 risk-based capital ratio | 12.8338% | 5,311 |
| Total risk-based capital ratio | 13.7556% | 5,540 |
| Memoranda: | ||
| Average total assets | $67,712,330 | 5,789 |
| Average earning assets | $63,657,330 | 5,714 |
| Average equity | $7,637,330 | 5,678 |
| Average total loans | $37,243,330 | 5,722 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 3,236 |
| Cost of funding earning assets | 0.7054% | 4,235 |
| Net interest margin | 3.9504% | 2,717 |
| Noninterest income to average assets | 0.4752% | 4,106 |
| Noninterest expense to average assets | 3.6872% | 1,398 |
| Loan and lease loss provision to assets | 0.0481% | 4,805 |
| Net operating income to assets | 0.5233% | 4,723 |
| Return on assets (ROA) | 0.5233% | 4,932 |
| Pretax return on assets | 0.4451% | 5,601 |
| Return on Equity (ROE) | 4.6007% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.6007% | 3,813 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2014% | 1,267 |
| Assets per employee ($millions) | 2.1913% | 7,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,774 |
| Loan loss allowance to noncurrent loans | 312.0253% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 5,571 |
| Noncurrent loans to loans | 0.4350% | 5,799 |
| Net loans and leases to total assets | 52.7396% | 4,915 |
| Net loans and leases to deposits | 61.9366% | 4,927 |
| Net loans and leases to core deposits | 65.2711% | 4,990 |
| Total domestic deposits to total assets | 85.1509% | 3,960 |
| Equity capital to assets | 11.1895% | 2,722 |
| Core capital (leverage) ratio | 10.7219% | 2,526 |
| Tier 1 risk-based capital ratio | 13.5911% | 4,758 |
| Total risk-based capital ratio | 14.5609% | 4,960 |
| Memoranda: | ||
| Average total assets | $66,500,000 | 5,868 |
| Average earning assets | $62,373,000 | 5,803 |
| Average equity | $7,564,000 | 5,719 |
| Average total loans | $36,970,000 | 5,779 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 2,355 |
| Cost of funding earning assets | 0.7672% | 5,081 |
| Net interest margin | 4.3570% | 1,522 |
| Noninterest income to average assets | 0.4525% | 4,195 |
| Noninterest expense to average assets | 3.9376% | 1,134 |
| Loan and lease loss provision to assets | 0.0467% | 5,990 |
| Net operating income to assets | 0.6034% | 3,986 |
| Return on assets (ROA) | 0.6112% | 4,127 |
| Pretax return on assets | 0.5738% | 4,771 |
| Return on Equity (ROE) | 5.4385% | 4,174 |
| Retained earnings to average equity (ytd only) | 3.4043% | 3,799 |
| Net charge-offs to loans | 0.1517% | 4,925 |
| Credit loss provision to net charge-offs | 52.6316% | 5,357 |
| Earnings coverage of net charge-offs (x) | 6.9123% | 2,428 |
| Efficiency ratio | 86.5345% | 1,492 |
| Assets per employee ($millions) | 2.0990% | 7,123 |
| Cash dividends to net income (ytd only)* | 37.4046% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 4,963 |
| Loan loss allowance to noncurrent loans | 240.0990% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 5,719 |
| Noncurrent loans to loans | 0.5369% | 5,640 |
| Net loans and leases to total assets | 57.0708% | 4,533 |
| Net loans and leases to deposits | 67.1816% | 4,556 |
| Net loans and leases to core deposits | 70.4267% | 4,728 |
| Total domestic deposits to total assets | 84.9501% | 3,879 |
| Equity capital to assets | 11.5675% | 2,455 |
| Core capital (leverage) ratio | 10.8898% | 2,357 |
| Tier 1 risk-based capital ratio | 13.3948% | 4,776 |
| Total risk-based capital ratio | 14.3472% | 4,968 |
| Memoranda: | ||
| Average total assets | $64,302,800 | 5,914 |
| Average earning assets | $60,477,200 | 5,852 |
| Average equity | $7,226,200 | 5,799 |
| Average total loans | $37,573,000 | 5,810 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1578% | 2,354 |
| Cost of funding earning assets | 0.7687% | 5,338 |
| Net interest margin | 4.3891% | 1,436 |
| Noninterest income to average assets | 0.4305% | 4,432 |
| Noninterest expense to average assets | 3.9514% | 1,070 |
| Loan and lease loss provision to assets | 0.0478% | 5,846 |
| Net operating income to assets | 0.5989% | 4,090 |
| Return on assets (ROA) | 0.6093% | 4,230 |
| Pretax return on assets | 0.5740% | 4,897 |
| Return on Equity (ROE) | 5.4630% | 4,302 |
| Retained earnings to average equity (ytd only) | 3.8223% | 4,004 |
| Net charge-offs to loans | 0.0178% | 5,905 |
| Credit loss provision to net charge-offs | 460.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 58.7691% | 565 |
| Efficiency ratio | 86.5998% | 1,474 |
| Assets per employee ($millions) | 2.2207% | 7,134 |
| Cash dividends to net income (ytd only)* | 30.0338% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 4,553 |
| Loan loss allowance to noncurrent loans | 209.4862% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 5,699 |
| Noncurrent loans to loans | 0.6696% | 5,544 |
| Net loans and leases to total assets | 55.9170% | 4,855 |
| Net loans and leases to deposits | 65.8180% | 4,933 |
| Net loans and leases to core deposits | 72.2545% | 4,679 |
| Total domestic deposits to total assets | 84.9569% | 3,780 |
| Equity capital to assets | 11.2350% | 2,932 |
| Core capital (leverage) ratio | 10.6699% | 2,690 |
| Tier 1 risk-based capital ratio | 13.2738% | 4,899 |
| Total risk-based capital ratio | 14.3123% | 5,021 |
| Memoranda: | ||
| Average total assets | $64,111,000 | 5,966 |
| Average earning assets | $60,360,000 | 5,894 |
| Average equity | $7,151,000 | 5,862 |
| Average total loans | $37,561,000 | 5,858 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 2,493 |
| Cost of funding earning assets | 0.7798% | 5,512 |
| Net interest margin | 4.3640% | 1,479 |
| Noninterest income to average assets | 0.4172% | 4,534 |
| Noninterest expense to average assets | 3.9195% | 1,160 |
| Loan and lease loss provision to assets | 0.0474% | 5,715 |
| Net operating income to assets | 0.6100% | 4,010 |
| Return on assets (ROA) | 0.6100% | 4,139 |
| Pretax return on assets | 0.5721% | 4,842 |
| Return on Equity (ROE) | 5.4832% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.9831% | 4,381 |
| Net charge-offs to loans | 0.0267% | 5,450 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 39.2000% | 751 |
| Efficiency ratio | 86.3510% | 1,564 |
| Assets per employee ($millions) | 1.9747% | 7,309 |
| Cash dividends to net income (ytd only)* | 45.5959% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 4,739 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 5,880 |
| Noncurrent loans to loans | 0.5322% | 5,848 |
| Net loans and leases to total assets | 59.5347% | 4,365 |
| Net loans and leases to deposits | 70.0011% | 4,435 |
| Net loans and leases to core deposits | 73.9852% | 4,584 |
| Total domestic deposits to total assets | 85.0483% | 3,855 |
| Equity capital to assets | 11.4512% | 2,547 |
| Core capital (leverage) ratio | 10.8111% | 2,412 |
| Tier 1 risk-based capital ratio | 13.5271% | 4,503 |
| Total risk-based capital ratio | 14.5852% | 4,641 |
| Memoranda: | ||
| Average total assets | $63,274,000 | 6,036 |
| Average earning assets | $59,762,330 | 5,965 |
| Average equity | $7,039,670 | 5,912 |
| Average total loans | $37,487,000 | 5,915 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0649% | 2,798 |
| Cost of funding earning assets | 0.7637% | 5,780 |
| Net interest margin | 4.3011% | 1,561 |
| Noninterest income to average assets | 0.4170% | 4,571 |
| Noninterest expense to average assets | 3.8726% | 1,216 |
| Loan and lease loss provision to assets | 0.0505% | 5,367 |
| Net operating income to assets | 0.6444% | 3,779 |
| Return on assets (ROA) | 0.6444% | 3,855 |
| Pretax return on assets | 0.5496% | 4,865 |
| Return on Equity (ROE) | 5.8777% | 3,975 |
| Retained earnings to average equity (ytd only) | 5.8777% | 2,711 |
| Net charge-offs to loans | 0.0108% | 4,938 |
| Credit loss provision to net charge-offs | 800.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 330 |
| Efficiency ratio | 86.5819% | 1,649 |
| Assets per employee ($millions) | 1.9687% | 7,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 4,797 |
| Loan loss allowance to noncurrent loans | 152.1994% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 5,882 |
| Noncurrent loans to loans | 0.9021% | 5,243 |
| Net loans and leases to total assets | 59.1797% | 4,431 |
| Net loans and leases to deposits | 68.7758% | 4,556 |
| Net loans and leases to core deposits | 72.2954% | 4,749 |
| Total domestic deposits to total assets | 86.0472% | 3,503 |
| Equity capital to assets | 11.1242% | 2,567 |
| Core capital (leverage) ratio | 11.0738% | 2,132 |
| Tier 1 risk-based capital ratio | 13.4742% | 4,438 |
| Total risk-based capital ratio | 14.5207% | 4,578 |
| Memoranda: | ||
| Average total assets | $63,316,000 | 6,084 |
| Average earning assets | $59,705,500 | 6,006 |
| Average equity | $6,941,500 | 5,946 |
| Average total loans | $37,159,500 | 5,983 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 3,428 |
| Cost of funding earning assets | 1.0243% | 5,563 |
| Net interest margin | 4.2118% | 2,139 |
| Noninterest income to average assets | 0.4789% | 4,323 |
| Noninterest expense to average assets | 3.7069% | 1,686 |
| Loan and lease loss provision to assets | 0.1085% | 6,063 |
| Net operating income to assets | 0.7981% | 2,813 |
| Return on assets (ROA) | 0.8539% | 2,710 |
| Pretax return on assets | 0.7082% | 3,948 |
| Return on Equity (ROE) | 8.1065% | 2,663 |
| Retained earnings to average equity (ytd only) | 5.9438% | 1,846 |
| Net charge-offs to loans | -0.0164% | 7,351 |
| Credit loss provision to net charge-offs | -1,166.6667% | 7,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9691% | 2,054 |
| Assets per employee ($millions) | 1.9283% | 7,447 |
| Cash dividends to net income (ytd only)* | 26.6788% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 4,496 |
| Loan loss allowance to noncurrent loans | 145.0425% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 5,920 |
| Noncurrent loans to loans | 0.9666% | 5,117 |
| Net loans and leases to total assets | 56.5830% | 5,249 |
| Net loans and leases to deposits | 65.3526% | 5,475 |
| Net loans and leases to core deposits | 68.9506% | 5,561 |
| Total domestic deposits to total assets | 86.5811% | 3,043 |
| Equity capital to assets | 10.8040% | 2,857 |
| Core capital (leverage) ratio | 10.4224% | 2,644 |
| Tier 1 risk-based capital ratio | 13.5433% | 4,168 |
| Total risk-based capital ratio | 14.5891% | 4,301 |
| Memoranda: | ||
| Average total assets | $64,527,800 | 6,047 |
| Average earning assets | $61,114,200 | 5,955 |
| Average equity | $6,797,000 | 6,104 |
| Average total loans | $36,499,200 | 6,093 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 3,561 |
| Cost of funding earning assets | 1.0669% | 5,610 |
| Net interest margin | 4.1871% | 2,263 |
| Noninterest income to average assets | 0.4139% | 4,842 |
| Noninterest expense to average assets | 3.6137% | 1,759 |
| Loan and lease loss provision to assets | 0.1297% | 5,730 |
| Net operating income to assets | 0.7577% | 3,188 |
| Return on assets (ROA) | 0.8319% | 3,011 |
| Pretax return on assets | 0.7124% | 4,190 |
| Return on Equity (ROE) | 7.9476% | 2,931 |
| Retained earnings to average equity (ytd only) | 6.9247% | 1,893 |
| Net charge-offs to loans | -0.0183% | 7,344 |
| Credit loss provision to net charge-offs | -1,260.0000% | 7,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4718% | 2,011 |
| Assets per employee ($millions) | 1.9909% | 7,523 |
| Cash dividends to net income (ytd only)* | 12.8711% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 4,671 |
| Loan loss allowance to noncurrent loans | 115.0685% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 5,745 |
| Noncurrent loans to loans | 1.1812% | 4,881 |
| Net loans and leases to total assets | 57.4119% | 5,351 |
| Net loans and leases to deposits | 67.0516% | 5,538 |
| Net loans and leases to core deposits | 70.8370% | 5,662 |
| Total domestic deposits to total assets | 85.6235% | 3,281 |
| Equity capital to assets | 11.1729% | 2,799 |
| Core capital (leverage) ratio | 10.5313% | 2,654 |
| Tier 1 risk-based capital ratio | 12.8664% | 4,676 |
| Total risk-based capital ratio | 13.8523% | 4,871 |
| Memoranda: | ||
| Average total assets | $64,751,250 | 6,113 |
| Average earning assets | $61,361,250 | 6,014 |
| Average equity | $6,777,500 | 6,186 |
| Average total loans | $36,494,500 | 6,175 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 4,512 |
| Cost of funding earning assets | 1.1034% | 5,652 |
| Net interest margin | 3.9858% | 3,086 |
| Noninterest income to average assets | 0.4639% | 4,404 |
| Noninterest expense to average assets | 3.4716% | 2,097 |
| Loan and lease loss provision to assets | 0.0461% | 6,508 |
| Net operating income to assets | 0.7096% | 3,362 |
| Return on assets (ROA) | 0.8049% | 3,092 |
| Pretax return on assets | 0.8541% | 3,686 |
| Return on Equity (ROE) | 7.8631% | 2,935 |
| Retained earnings to average equity (ytd only) | 6.3025% | 2,167 |
| Net charge-offs to loans | -0.0220% | 7,297 |
| Credit loss provision to net charge-offs | -375.0000% | 6,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2950% | 2,257 |
| Assets per employee ($millions) | 2.1091% | 7,509 |
| Cash dividends to net income (ytd only)* | 19.8473% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 5,343 |
| Loan loss allowance to noncurrent loans | 128.5311% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 6,116 |
| Noncurrent loans to loans | 0.9507% | 5,404 |
| Net loans and leases to total assets | 56.2571% | 5,666 |
| Net loans and leases to deposits | 65.7080% | 5,843 |
| Net loans and leases to core deposits | 68.9835% | 5,976 |
| Total domestic deposits to total assets | 85.6168% | 3,307 |
| Equity capital to assets | 10.4677% | 3,454 |
| Core capital (leverage) ratio | 10.2389% | 2,899 |
| Tier 1 risk-based capital ratio | 12.6211% | 4,755 |
| Total risk-based capital ratio | 13.5152% | 5,040 |
| Memoranda: | ||
| Average total assets | $65,099,000 | 6,137 |
| Average earning assets | $62,170,670 | 6,015 |
| Average equity | $6,664,000 | 6,248 |
| Average total loans | $36,299,330 | 6,232 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2199% | 3,919 |
| Cost of funding earning assets | 1.1940% | 5,439 |
| Net interest margin | 4.0258% | 2,763 |
| Noninterest income to average assets | 0.3879% | 5,015 |
| Noninterest expense to average assets | 3.3745% | 2,304 |
| Loan and lease loss provision to assets | 0.0493% | 6,172 |
| Net operating income to assets | 0.6915% | 3,477 |
| Return on assets (ROA) | 0.8744% | 2,737 |
| Pretax return on assets | 0.9668% | 3,209 |
| Return on Equity (ROE) | 8.6401% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.6401% | 1,495 |
| Net charge-offs to loans | -0.0335% | 7,229 |
| Credit loss provision to net charge-offs | -266.6667% | 6,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5882% | 2,476 |
| Assets per employee ($millions) | 2.0849% | 7,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 5,259 |
| Loan loss allowance to noncurrent loans | 179.5181% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 6,511 |
| Noncurrent loans to loans | 0.6927% | 5,944 |
| Net loans and leases to total assets | 54.9248% | 5,903 |
| Net loans and leases to deposits | 63.4284% | 6,121 |
| Net loans and leases to core deposits | 66.5785% | 6,242 |
| Total domestic deposits to total assets | 86.5933% | 2,846 |
| Equity capital to assets | 10.3169% | 3,449 |
| Core capital (leverage) ratio | 10.0561% | 3,094 |
| Tier 1 risk-based capital ratio | 12.7216% | 4,540 |
| Total risk-based capital ratio | 13.6127% | 4,813 |
| Memoranda: | ||
| Average total assets | $64,957,500 | 6,210 |
| Average earning assets | $61,304,000 | 6,118 |
| Average equity | $6,574,000 | 6,326 |
| Average total loans | $35,830,500 | 6,325 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4788% | 4,264 |
| Cost of funding earning assets | 1.4821% | 5,585 |
| Net interest margin | 3.9966% | 2,876 |
| Noninterest income to average assets | 0.3931% | 5,266 |
| Noninterest expense to average assets | 3.6623% | 1,997 |
| Loan and lease loss provision to assets | 0.0016% | 7,421 |
| Net operating income to assets | 0.4804% | 3,811 |
| Return on assets (ROA) | 0.4804% | 3,906 |
| Pretax return on assets | 0.4804% | 4,250 |
| Return on Equity (ROE) | 4.6851% | 3,804 |
| Retained earnings to average equity (ytd only) | 3.0288% | 3,045 |
| Net charge-offs to loans | 0.1550% | 5,712 |
| Credit loss provision to net charge-offs | 1.8519% | 7,000 |
| Earnings coverage of net charge-offs (x) | 5.5185% | 2,575 |
| Efficiency ratio | 88.3685% | 1,852 |
| Assets per employee ($millions) | 2.1059% | 7,647 |
| Cash dividends to net income (ytd only)* | 35.3535% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 5,235 |
| Loan loss allowance to noncurrent loans | 180.1653% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 6,525 |
| Noncurrent loans to loans | 0.6776% | 5,881 |
| Net loans and leases to total assets | 54.0401% | 6,198 |
| Net loans and leases to deposits | 62.2018% | 6,447 |
| Net loans and leases to core deposits | 80.5107% | 6,040 |
| Total domestic deposits to total assets | 86.8787% | 2,571 |
| Equity capital to assets | 9.9260% | 3,868 |
| Core capital (leverage) ratio | 9.7874% | 3,340 |
| Tier 1 risk-based capital ratio | 12.4883% | 4,533 |
| Total risk-based capital ratio | 13.3610% | 4,809 |
| Memoranda: | ||
| Average total assets | $61,818,800 | 6,278 |
| Average earning assets | $58,024,000 | 6,220 |
| Average equity | $6,339,200 | 6,483 |
| Average total loans | $34,834,400 | 6,363 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5082% | 4,382 |
| Cost of funding earning assets | 1.5127% | 5,766 |
| Net interest margin | 3.9955% | 2,843 |
| Noninterest income to average assets | 0.3872% | 5,418 |
| Noninterest expense to average assets | 3.7536% | 1,701 |
| Loan and lease loss provision to assets | -0.0153% | 8,043 |
| Net operating income to assets | 0.3872% | 4,451 |
| Return on assets (ROA) | 0.3872% | 4,551 |
| Pretax return on assets | 0.3872% | 4,831 |
| Return on Equity (ROE) | 3.7435% | 4,472 |
| Retained earnings to average equity (ytd only) | 2.4746% | 3,942 |
| Net charge-offs to loans | 0.0116% | 6,772 |
| Credit loss provision to net charge-offs | -233.3333% | 7,233 |
| Earnings coverage of net charge-offs (x) | 56.6650% | 577 |
| Efficiency ratio | 90.9862% | 1,613 |
| Assets per employee ($millions) | 2.1012% | 7,715 |
| Cash dividends to net income (ytd only)* | 33.8997% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 4,261 |
| Loan loss allowance to noncurrent loans | 248.1865% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 6,778 |
| Noncurrent loans to loans | 0.5401% | 6,229 |
| Net loans and leases to total assets | 52.4287% | 6,567 |
| Net loans and leases to deposits | 61.1282% | 6,741 |
| Net loans and leases to core deposits | 78.2404% | 6,465 |
| Total domestic deposits to total assets | 85.7685% | 2,821 |
| Equity capital to assets | 9.7638% | 4,402 |
| Core capital (leverage) ratio | 9.8222% | 3,494 |
| Tier 1 risk-based capital ratio | 12.2217% | 4,768 |
| Total risk-based capital ratio | 13.1635% | 4,988 |
| Memoranda: | ||
| Average total assets | $60,952,750 | 6,357 |
| Average earning assets | $57,028,750 | 6,295 |
| Average equity | $6,304,000 | 6,554 |
| Average total loans | $34,614,250 | 6,418 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5922% | 4,113 |
| Cost of funding earning assets | 1.5728% | 5,829 |
| Net interest margin | 4.0194% | 2,620 |
| Noninterest income to average assets | 0.3500% | 5,699 |
| Noninterest expense to average assets | 3.6461% | 1,957 |
| Loan and lease loss provision to assets | -0.0306% | 8,149 |
| Net operating income to assets | 0.4859% | 4,140 |
| Return on assets (ROA) | 0.4859% | 4,259 |
| Pretax return on assets | 0.4859% | 4,669 |
| Return on Equity (ROE) | 4.6003% | 4,256 |
| Retained earnings to average equity (ytd only) | 2.6701% | 3,841 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8981% | 1,916 |
| Assets per employee ($millions) | 1.9722% | 7,870 |
| Cash dividends to net income (ytd only)* | 41.9580% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 3,862 |
| Loan loss allowance to noncurrent loans | 221.1982% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 6,591 |
| Noncurrent loans to loans | 0.6217% | 6,010 |
| Net loans and leases to total assets | 54.5429% | 6,374 |
| Net loans and leases to deposits | 63.3211% | 6,632 |
| Net loans and leases to core deposits | 79.7526% | 6,431 |
| Total domestic deposits to total assets | 86.1369% | 2,716 |
| Equity capital to assets | 9.7084% | 4,337 |
| Core capital (leverage) ratio | 10.7856% | 2,579 |
| Tier 1 risk-based capital ratio | 12.5365% | 4,499 |
| Total risk-based capital ratio | 13.5096% | 4,624 |
| Memoranda: | ||
| Average total assets | $58,857,670 | 6,484 |
| Average earning assets | $54,934,000 | 6,431 |
| Average equity | $6,217,000 | 6,633 |
| Average total loans | $34,242,000 | 6,489 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6193% | 4,243 |
| Cost of funding earning assets | 1.6430% | 5,847 |
| Net interest margin | 3.9763% | 2,750 |
| Noninterest income to average assets | 0.3737% | 5,437 |
| Noninterest expense to average assets | 3.6805% | 1,688 |
| Loan and lease loss provision to assets | 0.0141% | 6,674 |
| Net operating income to assets | 0.4160% | 4,793 |
| Return on assets (ROA) | 0.4160% | 4,970 |
| Pretax return on assets | 0.4160% | 5,350 |
| Return on Equity (ROE) | 3.7688% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.7688% | 3,800 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5369% | 1,760 |
| Assets per employee ($millions) | 1.8530% | 7,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 3,298 |
| Loan loss allowance to noncurrent loans | 249.2386% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 5,315 |
| Noncurrent loans to loans | 0.5773% | 5,959 |
| Net loans and leases to total assets | 58.5565% | 5,859 |
| Net loans and leases to deposits | 68.0216% | 6,187 |
| Net loans and leases to core deposits | 86.0212% | 5,899 |
| Total domestic deposits to total assets | 86.0851% | 2,666 |
| Equity capital to assets | 10.7622% | 3,223 |
| Core capital (leverage) ratio | 11.0563% | 2,461 |
| Tier 1 risk-based capital ratio | 14.3993% | 3,366 |
| Total risk-based capital ratio | 15.5468% | 3,356 |
| Memoranda: | ||
| Average total assets | $56,731,500 | 6,593 |
| Average earning assets | $53,316,500 | 6,530 |
| Average equity | $6,262,000 | 6,666 |
| Average total loans | $33,912,000 | 6,546 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9938% | 5,571 |
| Cost of funding earning assets | 1.8102% | 6,977 |
| Net interest margin | 4.1836% | 2,375 |
| Noninterest income to average assets | 0.4688% | 4,887 |
| Noninterest expense to average assets | 3.8188% | 1,719 |
| Loan and lease loss provision to assets | 0.0180% | 7,162 |
| Net operating income to assets | 0.5311% | 4,612 |
| Return on assets (ROA) | 0.5497% | 4,381 |
| Pretax return on assets | 0.5874% | 4,730 |
| Return on Equity (ROE) | 4.9740% | 4,404 |
| Retained earnings to average equity (ytd only) | 3.4135% | 3,018 |
| Net charge-offs to loans | 0.0572% | 5,960 |
| Credit loss provision to net charge-offs | 52.6316% | 6,322 |
| Earnings coverage of net charge-offs (x) | 17.1579% | 1,793 |
| Efficiency ratio | 86.7047% | 1,786 |
| Assets per employee ($millions) | 1.7507% | 8,071 |
| Cash dividends to net income (ytd only)* | 31.3725% | 4,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 2,916 |
| Loan loss allowance to noncurrent loans | 254.6875% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 4,973 |
| Noncurrent loans to loans | 0.5698% | 5,661 |
| Net loans and leases to total assets | 59.2778% | 6,015 |
| Net loans and leases to deposits | 69.4263% | 6,334 |
| Net loans and leases to core deposits | 86.8387% | 6,070 |
| Total domestic deposits to total assets | 85.3823% | 2,675 |
| Equity capital to assets | 11.3208% | 2,782 |
| Core capital (leverage) ratio | 11.4763% | 2,266 |
| Tier 1 risk-based capital ratio | 15.2151% | 2,952 |
| Total risk-based capital ratio | 16.4372% | 2,885 |
| Memoranda: | ||
| Average total assets | $55,671,600 | 6,547 |
| Average earning assets | $52,371,200 | 6,489 |
| Average equity | $6,152,000 | 6,751 |
| Average total loans | $33,209,800 | 6,529 |