Home > The First Farmers National Bank of Waurika > Performance and Condition Ratios
The First Farmers National Bank of Waurika, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 2,489 |
| Cost of funding earning assets | 1.4319% | 2,143 |
| Net interest margin | 3.3585% | 2,500 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.1569% | 3,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1739% | 1,710 |
| Return on assets (ROA) | 1.1491% | 1,756 |
| Pretax return on assets | 1.1491% | 2,265 |
| Return on Equity (ROE) | 9.7900% | 2,556 |
| Retained earnings to average equity (ytd only) | 7.5001% | 1,706 |
| Net charge-offs to loans | 0.0264% | 1,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 810 |
| Efficiency ratio | 64.7564% | 2,515 |
| Assets per employee ($millions) | 4.9024% | 3,704 |
| Cash dividends to net income (ytd only)* | 23.4219% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6250% | 48 |
| Loan loss allowance to noncurrent loans | 2,046.0000% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 2,906 |
| Noncurrent loans to loans | 0.2261% | 2,414 |
| Net loans and leases to total assets | 39.1200% | 4,067 |
| Net loans and leases to deposits | 45.1193% | 4,070 |
| Net loans and leases to core deposits | 52.3357% | 4,025 |
| Total domestic deposits to total assets | 86.7000% | 1,788 |
| Equity capital to assets | 12.1704% | 1,079 |
| Core capital (leverage) ratio | 18.4918% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $52,389,600 | 4,296 |
| Average earning assets | $49,932,600 | 4,250 |
| Average equity | $6,146,600 | 4,151 |
| Average total loans | $18,916,400 | 4,309 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 2,372 |
| Cost of funding earning assets | 1.3423% | 2,024 |
| Net interest margin | 3.4080% | 2,434 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.9433% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4460% | 1,228 |
| Return on assets (ROA) | 1.4126% | 1,276 |
| Pretax return on assets | 1.4126% | 1,751 |
| Return on Equity (ROE) | 12.1600% | 2,083 |
| Retained earnings to average equity (ytd only) | 9.0468% | 1,668 |
| Net charge-offs to loans | -0.0368% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.3374% | 3,277 |
| Assets per employee ($millions) | 4.6570% | 3,847 |
| Cash dividends to net income (ytd only)* | 25.5898% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2173% | 28 |
| Loan loss allowance to noncurrent loans | 1,173.8636% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,439 |
| Noncurrent loans to loans | 0.5296% | 1,498 |
| Net loans and leases to total assets | 30.4200% | 4,305 |
| Net loans and leases to deposits | 34.4712% | 4,324 |
| Net loans and leases to core deposits | 40.1950% | 4,254 |
| Total domestic deposits to total assets | 88.2400% | 1,497 |
| Equity capital to assets | 11.5798% | 1,160 |
| Core capital (leverage) ratio | 18.5386% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $52,005,500 | 4,318 |
| Average earning assets | $49,763,500 | 4,278 |
| Average equity | $6,042,500 | 4,168 |
| Average total loans | $18,115,750 | 4,340 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 2,137 |
| Cost of funding earning assets | 1.2021% | 1,985 |
| Net interest margin | 3.5344% | 2,192 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.9554% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5613% | 1,003 |
| Return on assets (ROA) | 1.5115% | 1,076 |
| Pretax return on assets | 1.5115% | 1,574 |
| Return on Equity (ROE) | 12.9900% | 1,905 |
| Retained earnings to average equity (ytd only) | 8.3562% | 1,858 |
| Net charge-offs to loans | -0.0215% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.6039% | 3,469 |
| Assets per employee ($millions) | 4.2613% | 4,076 |
| Cash dividends to net income (ytd only)* | 35.6962% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1799% | 30 |
| Loan loss allowance to noncurrent loans | 3,322.5806% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,153 |
| Noncurrent loans to loans | 0.1860% | 2,539 |
| Net loans and leases to total assets | 30.5800% | 4,315 |
| Net loans and leases to deposits | 34.6934% | 4,321 |
| Net loans and leases to core deposits | 39.8446% | 4,264 |
| Total domestic deposits to total assets | 88.1400% | 1,555 |
| Equity capital to assets | 11.7041% | 1,133 |
| Core capital (leverage) ratio | 18.2904% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $52,265,000 | 4,332 |
| Average earning assets | $50,079,333 | 4,293 |
| Average equity | $6,079,333 | 4,183 |
| Average total loans | $18,616,000 | 4,350 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 1,712 |
| Cost of funding earning assets | 1.0603% | 1,858 |
| Net interest margin | 3.7032% | 1,894 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.9156% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7642% | 725 |
| Return on assets (ROA) | 1.6657% | 876 |
| Pretax return on assets | 1.6657% | 1,346 |
| Return on Equity (ROE) | 14.3600% | 1,701 |
| Retained earnings to average equity (ytd only) | 14.3638% | 894 |
| Net charge-offs to loans | -0.0204% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.0576% | 3,772 |
| Assets per employee ($millions) | 4.7211% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2178% | 40 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 35.9900% | 4,193 |
| Net loans and leases to deposits | 41.2281% | 4,190 |
| Net loans and leases to core deposits | 47.2952% | 4,068 |
| Total domestic deposits to total assets | 87.3000% | 2,162 |
| Equity capital to assets | 12.2757% | 926 |
| Core capital (leverage) ratio | 18.3858% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,829,500 | 4,386 |
| Average earning assets | $50,550,500 | 4,349 |
| Average equity | $6,126,500 | 4,229 |
| Average total loans | $19,590,500 | 4,392 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 2,168 |
| Cost of funding earning assets | 0.3643% | 2,372 |
| Net interest margin | 3.4767% | 2,002 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.0347% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4416% | 1,023 |
| Return on assets (ROA) | 1.3398% | 1,270 |
| Pretax return on assets | 1.3398% | 1,958 |
| Return on Equity (ROE) | 9.7300% | 2,891 |
| Retained earnings to average equity (ytd only) | 5.0064% | 3,049 |
| Net charge-offs to loans | -0.0111% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.5312% | 3,260 |
| Assets per employee ($millions) | 4.8843% | 3,759 |
| Cash dividends to net income (ytd only)* | 48.5673% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2826% | 36 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 34.3100% | 4,277 |
| Net loans and leases to deposits | 38.9708% | 4,273 |
| Net loans and leases to core deposits | 43.7306% | 4,187 |
| Total domestic deposits to total assets | 88.0300% | 2,068 |
| Equity capital to assets | 10.9405% | 1,283 |
| Core capital (leverage) ratio | 18.2138% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $52,096,600 | 4,422 |
| Average earning assets | $49,961,400 | 4,375 |
| Average equity | $7,170,800 | 4,187 |
| Average total loans | $17,949,200 | 4,437 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 2,273 |
| Cost of funding earning assets | 0.2473% | 2,734 |
| Net interest margin | 3.3768% | 2,050 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.8443% | 3,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5399% | 759 |
| Return on assets (ROA) | 1.5425% | 737 |
| Pretax return on assets | 1.5425% | 1,295 |
| Return on Equity (ROE) | 10.6400% | 2,527 |
| Retained earnings to average equity (ytd only) | 4.6080% | 3,238 |
| Net charge-offs to loans | -0.0152% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.4970% | 3,774 |
| Assets per employee ($millions) | 5.0030% | 3,671 |
| Cash dividends to net income (ytd only)* | 56.6890% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5436% | 20 |
| Loan loss allowance to noncurrent loans | 6,047.0588% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,576 |
| Noncurrent loans to loans | 0.1082% | 3,108 |
| Net loans and leases to total assets | 29.3500% | 4,439 |
| Net loans and leases to deposits | 33.0616% | 4,439 |
| Net loans and leases to core deposits | 37.1517% | 4,365 |
| Total domestic deposits to total assets | 88.7600% | 2,181 |
| Equity capital to assets | 11.0973% | 1,142 |
| Core capital (leverage) ratio | 19.4626% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $51,689,000 | 4,454 |
| Average earning assets | $49,592,000 | 4,410 |
| Average equity | $7,494,000 | 4,193 |
| Average total loans | $17,571,500 | 4,478 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 1,902 |
| Cost of funding earning assets | 0.1800% | 3,182 |
| Net interest margin | 3.4006% | 1,605 |
| Noninterest income to average assets | 0.1493% | 4,268 |
| Noninterest expense to average assets | 1.7725% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6309% | 509 |
| Return on assets (ROA) | 1.6347% | 493 |
| Pretax return on assets | 1.6347% | 871 |
| Return on Equity (ROE) | 10.4897% | 2,170 |
| Retained earnings to average equity (ytd only) | 2.1618% | 3,706 |
| Net charge-offs to loans | -0.0110% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0810% | 4,122 |
| Assets per employee ($millions) | 5.0113% | 3,668 |
| Cash dividends to net income (ytd only)* | 79.3911% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5239% | 21 |
| Loan loss allowance to noncurrent loans | 350.5119% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 958 |
| Noncurrent loans to loans | 1.8613% | 362 |
| Net loans and leases to total assets | 29.3636% | 4,480 |
| Net loans and leases to deposits | 33.9149% | 4,449 |
| Net loans and leases to core deposits | 38.2198% | 4,383 |
| Total domestic deposits to total assets | 86.5803% | 3,086 |
| Equity capital to assets | 13.3578% | 599 |
| Core capital (leverage) ratio | 18.3344% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,242,000 | 4,487 |
| Average earning assets | $49,991,333 | 4,461 |
| Average equity | $8,141,333 | 4,188 |
| Average total loans | $18,192,000 | 4,532 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5080% | 1,790 |
| Cost of funding earning assets | 0.1406% | 3,621 |
| Net interest margin | 3.3674% | 1,377 |
| Noninterest income to average assets | 0.1426% | 4,298 |
| Noninterest expense to average assets | 1.8234% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5533% | 568 |
| Return on assets (ROA) | 1.5533% | 560 |
| Pretax return on assets | 1.5533% | 915 |
| Return on Equity (ROE) | 9.3401% | 2,202 |
| Retained earnings to average equity (ytd only) | -5.9560% | 4,452 |
| Net charge-offs to loans | -0.1030% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0000% | 4,051 |
| Assets per employee ($millions) | 5.2091% | 3,577 |
| Cash dividends to net income (ytd only)* | 163.7681% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2745% | 39 |
| Loan loss allowance to noncurrent loans | 51,550.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,057 |
| Noncurrent loans to loans | 0.0102% | 3,944 |
| Net loans and leases to total assets | 35.5455% | 4,238 |
| Net loans and leases to deposits | 41.8611% | 4,166 |
| Net loans and leases to core deposits | 47.0606% | 4,023 |
| Total domestic deposits to total assets | 84.9129% | 3,558 |
| Equity capital to assets | 15.0448% | 389 |
| Core capital (leverage) ratio | 17.6892% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,306,500 | 4,502 |
| Average earning assets | $51,197,000 | 4,473 |
| Average equity | $8,865,000 | 4,170 |
| Average total loans | $19,417,000 | 4,531 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3455% | 3,065 |
| Cost of funding earning assets | 0.1960% | 3,512 |
| Net interest margin | 3.1495% | 2,739 |
| Noninterest income to average assets | 0.1304% | 4,496 |
| Noninterest expense to average assets | 1.9756% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1929% | 1,944 |
| Return on assets (ROA) | 1.1967% | 1,990 |
| Pretax return on assets | 1.1967% | 2,671 |
| Return on Equity (ROE) | 6.3045% | 3,704 |
| Retained earnings to average equity (ytd only) | 0.9860% | 4,265 |
| Net charge-offs to loans | 0.0740% | 1,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 48.5385% | 1,314 |
| Efficiency ratio | 62.3508% | 2,813 |
| Assets per employee ($millions) | 4.9565% | 3,769 |
| Cash dividends to net income (ytd only)* | 84.3602% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3196% | 37 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 33.4929% | 4,393 |
| Net loans and leases to deposits | 40.9384% | 4,308 |
| Net loans and leases to core deposits | 45.9755% | 4,183 |
| Total domestic deposits to total assets | 81.8128% | 3,995 |
| Equity capital to assets | 18.1450% | 252 |
| Core capital (leverage) ratio | 18.4724% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,895,400 | 4,534 |
| Average earning assets | $51,024,200 | 4,497 |
| Average equity | $10,040,400 | 4,123 |
| Average total loans | $17,575,800 | 4,604 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3600% | 3,220 |
| Cost of funding earning assets | 0.2105% | 3,510 |
| Net interest margin | 3.1495% | 2,898 |
| Noninterest income to average assets | 0.1270% | 4,557 |
| Noninterest expense to average assets | 1.7603% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4073% | 1,516 |
| Return on assets (ROA) | 1.4123% | 1,565 |
| Pretax return on assets | 1.4123% | 2,286 |
| Return on Equity (ROE) | 7.3563% | 3,574 |
| Retained earnings to average equity (ytd only) | 0.2911% | 4,522 |
| Net charge-offs to loans | -0.0078% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5734% | 3,583 |
| Assets per employee ($millions) | 4.7551% | 3,925 |
| Cash dividends to net income (ytd only)* | 96.0432% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2893% | 24 |
| Loan loss allowance to noncurrent loans | 670.9677% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 2,289 |
| Noncurrent loans to loans | 0.9373% | 1,223 |
| Net loans and leases to total assets | 29.6257% | 4,601 |
| Net loans and leases to deposits | 36.7378% | 4,553 |
| Net loans and leases to core deposits | 41.2731% | 4,475 |
| Total domestic deposits to total assets | 80.6408% | 4,141 |
| Equity capital to assets | 19.3171% | 218 |
| Core capital (leverage) ratio | 18.3073% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,488,750 | 4,599 |
| Average earning assets | $50,673,500 | 4,563 |
| Average equity | $10,077,250 | 4,173 |
| Average total loans | $17,148,000 | 4,679 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4375% | 3,057 |
| Cost of funding earning assets | 0.2323% | 3,449 |
| Net interest margin | 3.2052% | 2,736 |
| Noninterest income to average assets | 0.1256% | 4,579 |
| Noninterest expense to average assets | 1.7964% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4272% | 1,492 |
| Return on assets (ROA) | 1.4272% | 1,556 |
| Pretax return on assets | 1.4272% | 2,249 |
| Return on Equity (ROE) | 7.4491% | 3,545 |
| Retained earnings to average equity (ytd only) | -1.0131% | 4,604 |
| Net charge-offs to loans | -0.0115% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7261% | 3,581 |
| Assets per employee ($millions) | 5.2974% | 3,353 |
| Cash dividends to net income (ytd only)* | 113.6000% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9742% | 21 |
| Loan loss allowance to noncurrent loans | 650.0000% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 2,408 |
| Noncurrent loans to loans | 1.0730% | 1,130 |
| Net loans and leases to total assets | 26.1864% | 4,745 |
| Net loans and leases to deposits | 32.3394% | 4,718 |
| Net loans and leases to core deposits | 35.5601% | 4,678 |
| Total domestic deposits to total assets | 80.9737% | 4,094 |
| Equity capital to assets | 18.9980% | 224 |
| Core capital (leverage) ratio | 18.2386% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,549,667 | 4,629 |
| Average earning assets | $50,793,000 | 4,589 |
| Average equity | $10,068,333 | 4,191 |
| Average total loans | $17,352,000 | 4,709 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2502% | 3,575 |
| Cost of funding earning assets | 0.2854% | 3,142 |
| Net interest margin | 2.9648% | 3,346 |
| Noninterest income to average assets | 0.1146% | 4,612 |
| Noninterest expense to average assets | 1.7960% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1770% | 2,247 |
| Return on assets (ROA) | 1.1770% | 2,315 |
| Pretax return on assets | 1.1770% | 2,909 |
| Return on Equity (ROE) | 6.1169% | 3,827 |
| Retained earnings to average equity (ytd only) | -10.8038% | 4,827 |
| Net charge-offs to loans | -0.0215% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4113% | 2,984 |
| Assets per employee ($millions) | 5.3155% | 3,315 |
| Cash dividends to net income (ytd only)* | 276.6234% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4116% | 32 |
| Loan loss allowance to noncurrent loans | 7,428.5714% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 4,176 |
| Noncurrent loans to loans | 0.0728% | 3,926 |
| Net loans and leases to total assets | 34.1981% | 4,570 |
| Net loans and leases to deposits | 41.8713% | 4,501 |
| Net loans and leases to core deposits | 45.9865% | 4,441 |
| Total domestic deposits to total assets | 81.6743% | 3,961 |
| Equity capital to assets | 18.2805% | 245 |
| Core capital (leverage) ratio | 18.4704% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,337,500 | 4,648 |
| Average earning assets | $50,458,500 | 4,611 |
| Average equity | $10,070,500 | 4,209 |
| Average total loans | $18,572,000 | 4,718 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 3,462 |
| Cost of funding earning assets | 0.4576% | 3,238 |
| Net interest margin | 3.2870% | 3,101 |
| Noninterest income to average assets | 0.1587% | 4,500 |
| Noninterest expense to average assets | 2.2719% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0267% | 2,191 |
| Return on assets (ROA) | 0.9937% | 2,455 |
| Pretax return on assets | 0.9937% | 3,063 |
| Return on Equity (ROE) | 4.7981% | 3,954 |
| Retained earnings to average equity (ytd only) | 0.8163% | 4,285 |
| Net charge-offs to loans | -0.1320% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8750% | 2,112 |
| Assets per employee ($millions) | 4.6836% | 3,734 |
| Cash dividends to net income (ytd only)* | 82.9876% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7961% | 28 |
| Loan loss allowance to noncurrent loans | 7,421.4286% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 4,235 |
| Noncurrent loans to loans | 0.0781% | 3,981 |
| Net loans and leases to total assets | 32.7776% | 4,688 |
| Net loans and leases to deposits | 41.1176% | 4,628 |
| Net loans and leases to core deposits | 45.4135% | 4,555 |
| Total domestic deposits to total assets | 79.7166% | 4,092 |
| Equity capital to assets | 20.2329% | 191 |
| Core capital (leverage) ratio | 19.5784% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,504,800 | 4,674 |
| Average earning assets | $46,333,400 | 4,645 |
| Average equity | $10,045,600 | 4,184 |
| Average total loans | $18,186,600 | 4,748 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,228 |
| Cost of funding earning assets | 0.5090% | 3,167 |
| Net interest margin | 3.3993% | 2,924 |
| Noninterest income to average assets | 0.1815% | 4,387 |
| Noninterest expense to average assets | 2.0746% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3514% | 1,227 |
| Return on assets (ROA) | 1.3067% | 1,433 |
| Pretax return on assets | 1.3067% | 2,018 |
| Return on Equity (ROE) | 6.2706% | 3,459 |
| Retained earnings to average equity (ytd only) | 0.9111% | 4,280 |
| Net charge-offs to loans | -0.1753% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5542% | 3,293 |
| Assets per employee ($millions) | 4.0243% | 4,290 |
| Cash dividends to net income (ytd only)* | 85.4701% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6881% | 25 |
| Loan loss allowance to noncurrent loans | 3,582.7586% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,138 |
| Noncurrent loans to loans | 0.1867% | 3,645 |
| Net loans and leases to total assets | 30.0174% | 4,824 |
| Net loans and leases to deposits | 38.2147% | 4,787 |
| Net loans and leases to core deposits | 42.5689% | 4,735 |
| Total domestic deposits to total assets | 78.5492% | 4,123 |
| Equity capital to assets | 21.3596% | 163 |
| Core capital (leverage) ratio | 20.0396% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,751,000 | 4,703 |
| Average earning assets | $45,577,000 | 4,677 |
| Average equity | $9,951,000 | 4,206 |
| Average total loans | $18,251,750 | 4,778 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 2,608 |
| Cost of funding earning assets | 0.5670% | 3,143 |
| Net interest margin | 3.6832% | 2,231 |
| Noninterest income to average assets | 0.1892% | 4,330 |
| Noninterest expense to average assets | 2.1358% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5766% | 794 |
| Return on assets (ROA) | 1.4967% | 1,006 |
| Pretax return on assets | 1.4967% | 1,465 |
| Return on Equity (ROE) | 7.2434% | 3,037 |
| Retained earnings to average equity (ytd only) | -0.8952% | 4,462 |
| Net charge-offs to loans | -0.0626% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5311% | 3,753 |
| Assets per employee ($millions) | 3.7768% | 4,488 |
| Cash dividends to net income (ytd only)* | 112.3596% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3404% | 26 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 30.7182% | 4,845 |
| Net loans and leases to deposits | 38.8321% | 4,816 |
| Net loans and leases to core deposits | 43.1420% | 4,770 |
| Total domestic deposits to total assets | 79.1051% | 4,023 |
| Equity capital to assets | 20.8196% | 182 |
| Core capital (leverage) ratio | 20.2447% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,570,667 | 4,723 |
| Average earning assets | $45,504,333 | 4,693 |
| Average equity | $9,829,667 | 4,237 |
| Average total loans | $19,157,333 | 4,790 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 1,679 |
| Cost of funding earning assets | 0.6268% | 3,295 |
| Net interest margin | 4.0833% | 1,169 |
| Noninterest income to average assets | 0.1453% | 4,639 |
| Noninterest expense to average assets | 2.2304% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8117% | 405 |
| Return on assets (ROA) | 1.7091% | 556 |
| Pretax return on assets | 1.7091% | 845 |
| Return on Equity (ROE) | 8.3044% | 2,383 |
| Retained earnings to average equity (ytd only) | -8.3044% | 4,705 |
| Net charge-offs to loans | -0.0967% | 4,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1797% | 4,288 |
| Assets per employee ($millions) | 3.3005% | 4,641 |
| Cash dividends to net income (ytd only)* | 200.0000% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7085% | 48 |
| Loan loss allowance to noncurrent loans | 298.2456% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 1,822 |
| Noncurrent loans to loans | 1.5787% | 995 |
| Net loans and leases to total assets | 44.6750% | 4,483 |
| Net loans and leases to deposits | 56.3078% | 4,355 |
| Net loans and leases to core deposits | 62.9725% | 4,234 |
| Total domestic deposits to total assets | 79.3408% | 3,985 |
| Equity capital to assets | 20.5726% | 219 |
| Core capital (leverage) ratio | 20.1771% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3597% | 147 |
| Memoranda: | ||
| Average total assets | $46,807,000 | 4,759 |
| Average earning assets | $44,669,500 | 4,730 |
| Average equity | $9,633,500 | 4,279 |
| Average total loans | $20,684,500 | 4,794 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 2,641 |
| Cost of funding earning assets | 0.7345% | 2,998 |
| Net interest margin | 3.8586% | 2,309 |
| Noninterest income to average assets | 0.1681% | 4,649 |
| Noninterest expense to average assets | 2.5472% | 3,327 |
| Loan and lease loss provision to assets | 0.0415% | 3,188 |
| Net operating income to assets | 1.2943% | 1,713 |
| Return on assets (ROA) | 1.2834% | 1,834 |
| Pretax return on assets | 1.2834% | 2,560 |
| Return on Equity (ROE) | 6.2593% | 3,830 |
| Retained earnings to average equity (ytd only) | 1.4903% | 4,211 |
| Net charge-offs to loans | -0.0108% | 4,489 |
| Credit loss provision to net charge-offs | -950.0000% | 4,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5987% | 2,830 |
| Assets per employee ($millions) | 3.6467% | 4,327 |
| Cash dividends to net income (ytd only)* | 76.1905% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1507% | 30 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.4267% | 4,753 |
| Net loans and leases to deposits | 49.6956% | 4,696 |
| Net loans and leases to core deposits | 55.4119% | 4,609 |
| Total domestic deposits to total assets | 79.3364% | 4,114 |
| Equity capital to assets | 20.5898% | 226 |
| Core capital (leverage) ratio | 20.9728% | 198 |
| Tier 1 risk-based capital ratio | 41.7410% | 218 |
| Total risk-based capital ratio | 43.0315% | 215 |
| Memoranda: | ||
| Average total assets | $45,814,600 | 4,818 |
| Average earning assets | $44,109,000 | 4,781 |
| Average equity | $9,394,000 | 4,322 |
| Average total loans | $18,580,600 | 4,895 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 2,635 |
| Cost of funding earning assets | 0.7596% | 2,922 |
| Net interest margin | 3.8679% | 2,371 |
| Noninterest income to average assets | 0.1703% | 4,698 |
| Noninterest expense to average assets | 2.3192% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5882% | 961 |
| Return on assets (ROA) | 1.5647% | 1,069 |
| Pretax return on assets | 1.5647% | 1,766 |
| Return on Equity (ROE) | 7.6395% | 3,459 |
| Retained earnings to average equity (ytd only) | 1.2183% | 4,512 |
| Net charge-offs to loans | -0.1530% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3539% | 3,757 |
| Assets per employee ($millions) | 3.3946% | 4,598 |
| Cash dividends to net income (ytd only)* | 84.0526% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8290% | 24 |
| Loan loss allowance to noncurrent loans | 1,537.8788% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 3,994 |
| Noncurrent loans to loans | 0.3790% | 3,195 |
| Net loans and leases to total assets | 37.1584% | 4,898 |
| Net loans and leases to deposits | 47.8718% | 4,822 |
| Net loans and leases to core deposits | 53.9781% | 4,746 |
| Total domestic deposits to total assets | 77.6207% | 4,423 |
| Equity capital to assets | 22.2751% | 175 |
| Core capital (leverage) ratio | 21.2336% | 192 |
| Tier 1 risk-based capital ratio | 45.9579% | 169 |
| Total risk-based capital ratio | 47.2512% | 165 |
| Memoranda: | ||
| Average total assets | $45,416,500 | 4,895 |
| Average earning assets | $43,881,250 | 4,858 |
| Average equity | $9,302,250 | 4,378 |
| Average total loans | $18,299,250 | 4,976 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 2,499 |
| Cost of funding earning assets | 0.7630% | 2,837 |
| Net interest margin | 3.8916% | 2,263 |
| Noninterest income to average assets | 0.1614% | 4,782 |
| Noninterest expense to average assets | 2.2903% | 4,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6316% | 847 |
| Return on assets (ROA) | 1.6098% | 927 |
| Pretax return on assets | 1.6098% | 1,517 |
| Return on Equity (ROE) | 8.0865% | 3,255 |
| Retained earnings to average equity (ytd only) | -0.0877% | 4,699 |
| Net charge-offs to loans | -0.0430% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3982% | 3,954 |
| Assets per employee ($millions) | 3.4452% | 4,560 |
| Cash dividends to net income (ytd only)* | 101.0840% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6197% | 24 |
| Loan loss allowance to noncurrent loans | 1,174.1176% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 3,487 |
| Noncurrent loans to loans | 0.4786% | 2,844 |
| Net loans and leases to total assets | 37.4238% | 4,930 |
| Net loans and leases to deposits | 47.6829% | 4,855 |
| Net loans and leases to core deposits | 53.5906% | 4,791 |
| Total domestic deposits to total assets | 78.4848% | 4,315 |
| Equity capital to assets | 21.4147% | 193 |
| Core capital (leverage) ratio | 20.0529% | 238 |
| Tier 1 risk-based capital ratio | 44.8057% | 176 |
| Total risk-based capital ratio | 46.0977% | 174 |
| Memoranda: | ||
| Average total assets | $45,845,330 | 4,932 |
| Average earning assets | $44,300,330 | 4,891 |
| Average equity | $9,126,330 | 4,417 |
| Average total loans | $18,594,670 | 5,011 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 2,735 |
| Cost of funding earning assets | 0.7073% | 3,015 |
| Net interest margin | 3.8319% | 2,412 |
| Noninterest income to average assets | 0.1466% | 4,863 |
| Noninterest expense to average assets | 2.4065% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4318% | 1,290 |
| Return on assets (ROA) | 1.4318% | 1,319 |
| Pretax return on assets | 1.4318% | 1,982 |
| Return on Equity (ROE) | 7.4657% | 3,470 |
| Retained earnings to average equity (ytd only) | -9.3096% | 5,080 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6966% | 3,430 |
| Assets per employee ($millions) | 3.6104% | 4,455 |
| Cash dividends to net income (ytd only)* | 224.6988% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0124% | 36 |
| Loan loss allowance to noncurrent loans | 814.7541% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 3,264 |
| Noncurrent loans to loans | 0.6152% | 2,487 |
| Net loans and leases to total assets | 40.1342% | 4,885 |
| Net loans and leases to deposits | 51.0446% | 4,782 |
| Net loans and leases to core deposits | 57.0334% | 4,675 |
| Total domestic deposits to total assets | 78.6258% | 4,414 |
| Equity capital to assets | 19.1691% | 270 |
| Core capital (leverage) ratio | 20.0257% | 235 |
| Tier 1 risk-based capital ratio | 41.4432% | 216 |
| Total risk-based capital ratio | 42.7322% | 212 |
| Memoranda: | ||
| Average total assets | $46,374,500 | 4,973 |
| Average earning assets | $44,677,500 | 4,928 |
| Average equity | $8,894,000 | 4,477 |
| Average total loans | $19,012,500 | 5,057 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 3,579 |
| Cost of funding earning assets | 0.4580% | 3,626 |
| Net interest margin | 3.6938% | 3,053 |
| Noninterest income to average assets | 0.1892% | 4,772 |
| Noninterest expense to average assets | 2.5997% | 3,333 |
| Loan and lease loss provision to assets | 0.0445% | 3,293 |
| Net operating income to assets | 1.1173% | 2,526 |
| Return on assets (ROA) | 1.0528% | 2,782 |
| Pretax return on assets | 1.0528% | 3,435 |
| Return on Equity (ROE) | 5.5015% | 4,325 |
| Retained earnings to average equity (ytd only) | 2.2564% | 4,253 |
| Net charge-offs to loans | 0.3447% | 553 |
| Credit loss provision to net charge-offs | 33.8983% | 3,327 |
| Earnings coverage of net charge-offs (x) | 8.8475% | 2,859 |
| Efficiency ratio | 69.1124% | 2,365 |
| Assets per employee ($millions) | 3.5242% | 4,524 |
| Cash dividends to net income (ytd only)* | 58.9852% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4633% | 29 |
| Loan loss allowance to noncurrent loans | 788.8889% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 3,143 |
| Noncurrent loans to loans | 0.6925% | 2,255 |
| Net loans and leases to total assets | 37.5431% | 5,029 |
| Net loans and leases to deposits | 46.9997% | 4,959 |
| Net loans and leases to core deposits | 52.5656% | 4,887 |
| Total domestic deposits to total assets | 79.8795% | 4,132 |
| Equity capital to assets | 19.1885% | 265 |
| Core capital (leverage) ratio | 20.8549% | 203 |
| Tier 1 risk-based capital ratio | 45.0741% | 175 |
| Total risk-based capital ratio | 46.3685% | 171 |
| Memoranda: | ||
| Average total assets | $44,928,400 | 5,033 |
| Average earning assets | $43,451,600 | 4,983 |
| Average equity | $8,597,600 | 4,510 |
| Average total loans | $17,117,800 | 5,147 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 3,631 |
| Cost of funding earning assets | 0.4152% | 3,752 |
| Net interest margin | 3.6843% | 3,074 |
| Noninterest income to average assets | 0.1968% | 4,798 |
| Noninterest expense to average assets | 2.3709% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3987% | 1,498 |
| Return on assets (ROA) | 1.3957% | 1,506 |
| Pretax return on assets | 1.3957% | 2,244 |
| Return on Equity (ROE) | 7.2987% | 3,823 |
| Retained earnings to average equity (ytd only) | 2.9475% | 4,257 |
| Net charge-offs to loans | 0.3403% | 489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 10.9074% | 2,559 |
| Efficiency ratio | 62.8956% | 3,355 |
| Assets per employee ($millions) | 3.3082% | 4,764 |
| Cash dividends to net income (ytd only)* | 59.6157% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6274% | 18 |
| Loan loss allowance to noncurrent loans | 1,375.0000% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 3,649 |
| Noncurrent loans to loans | 0.4820% | 2,941 |
| Net loans and leases to total assets | 32.4319% | 5,235 |
| Net loans and leases to deposits | 40.3962% | 5,195 |
| Net loans and leases to core deposits | 45.4999% | 5,125 |
| Total domestic deposits to total assets | 80.2846% | 4,044 |
| Equity capital to assets | 19.6596% | 244 |
| Core capital (leverage) ratio | 21.3121% | 185 |
| Tier 1 risk-based capital ratio | 51.5920% | 122 |
| Total risk-based capital ratio | 52.8931% | 121 |
| Memoranda: | ||
| Average total assets | $44,707,000 | 5,096 |
| Average earning assets | $43,354,500 | 5,042 |
| Average equity | $8,549,250 | 4,562 |
| Average total loans | $16,848,750 | 5,212 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1467% | 3,292 |
| Cost of funding earning assets | 0.3919% | 3,787 |
| Net interest margin | 3.7548% | 2,734 |
| Noninterest income to average assets | 0.1723% | 4,963 |
| Noninterest expense to average assets | 2.2883% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5241% | 1,093 |
| Return on assets (ROA) | 1.5196% | 1,108 |
| Pretax return on assets | 1.5196% | 1,747 |
| Return on Equity (ROE) | 8.0180% | 3,501 |
| Retained earnings to average equity (ytd only) | 1.5150% | 4,635 |
| Net charge-offs to loans | 0.2516% | 635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.6818% | 2,030 |
| Efficiency ratio | 60.0232% | 3,927 |
| Assets per employee ($millions) | 3.3758% | 4,742 |
| Cash dividends to net income (ytd only)* | 81.1047% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6273% | 19 |
| Loan loss allowance to noncurrent loans | 1,507.4627% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 3,789 |
| Noncurrent loans to loans | 0.4396% | 3,117 |
| Net loans and leases to total assets | 32.4249% | 5,282 |
| Net loans and leases to deposits | 40.2444% | 5,238 |
| Net loans and leases to core deposits | 45.1947% | 5,172 |
| Total domestic deposits to total assets | 80.5701% | 4,108 |
| Equity capital to assets | 19.3843% | 250 |
| Core capital (leverage) ratio | 20.2304% | 215 |
| Tier 1 risk-based capital ratio | 50.3913% | 131 |
| Total risk-based capital ratio | 51.6955% | 128 |
| Memoranda: | ||
| Average total assets | $45,273,670 | 5,147 |
| Average earning assets | $43,890,330 | 5,090 |
| Average equity | $8,580,670 | 4,595 |
| Average total loans | $17,485,670 | 5,253 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 3,453 |
| Cost of funding earning assets | 0.3414% | 4,048 |
| Net interest margin | 3.7015% | 2,790 |
| Noninterest income to average assets | 0.1653% | 5,029 |
| Noninterest expense to average assets | 2.3234% | 4,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4271% | 1,260 |
| Return on assets (ROA) | 1.4184% | 1,301 |
| Pretax return on assets | 1.4184% | 1,946 |
| Return on Equity (ROE) | 7.5660% | 3,549 |
| Retained earnings to average equity (ytd only) | -5.3844% | 5,219 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9490% | 3,794 |
| Assets per employee ($millions) | 3.6078% | 4,530 |
| Cash dividends to net income (ytd only)* | 171.1656% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4326% | 31 |
| Loan loss allowance to noncurrent loans | 1,187.3563% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 3,787 |
| Noncurrent loans to loans | 0.4575% | 3,164 |
| Net loans and leases to total assets | 38.3403% | 5,125 |
| Net loans and leases to deposits | 49.9472% | 4,960 |
| Net loans and leases to core deposits | 56.4956% | 4,823 |
| Total domestic deposits to total assets | 76.7617% | 4,890 |
| Equity capital to assets | 17.8589% | 327 |
| Core capital (leverage) ratio | 19.7270% | 223 |
| Tier 1 risk-based capital ratio | 44.7353% | 176 |
| Total risk-based capital ratio | 46.0342% | 172 |
| Memoranda: | ||
| Average total assets | $45,967,500 | 5,187 |
| Average earning assets | $44,522,500 | 5,143 |
| Average equity | $8,617,500 | 4,641 |
| Average total loans | $18,608,500 | 5,284 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 4,086 |
| Cost of funding earning assets | 0.2666% | 4,424 |
| Net interest margin | 3.5228% | 3,456 |
| Noninterest income to average assets | 0.2235% | 4,810 |
| Noninterest expense to average assets | 2.5644% | 3,563 |
| Loan and lease loss provision to assets | 0.0221% | 3,856 |
| Net operating income to assets | 1.0288% | 2,124 |
| Return on assets (ROA) | 1.0465% | 2,098 |
| Pretax return on assets | 1.0465% | 3,392 |
| Return on Equity (ROE) | 5.2883% | 4,048 |
| Retained earnings to average equity (ytd only) | 1.3417% | 4,473 |
| Net charge-offs to loans | 0.0902% | 2,186 |
| Credit loss provision to net charge-offs | 62.5000% | 3,190 |
| Earnings coverage of net charge-offs (x) | 29.6875% | 1,559 |
| Efficiency ratio | 70.9302% | 2,411 |
| Assets per employee ($millions) | 3.4642% | 4,747 |
| Cash dividends to net income (ytd only)* | 74.6300% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6752% | 25 |
| Loan loss allowance to noncurrent loans | 1,589.2308% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 3,972 |
| Noncurrent loans to loans | 0.3571% | 3,490 |
| Net loans and leases to total assets | 38.1245% | 5,217 |
| Net loans and leases to deposits | 47.4872% | 5,143 |
| Net loans and leases to core deposits | 53.6833% | 5,011 |
| Total domestic deposits to total assets | 80.2838% | 4,287 |
| Equity capital to assets | 19.6718% | 221 |
| Core capital (leverage) ratio | 20.0636% | 198 |
| Tier 1 risk-based capital ratio | 46.7083% | 142 |
| Total risk-based capital ratio | 48.0067% | 141 |
| Memoranda: | ||
| Average total assets | $45,196,400 | 5,250 |
| Average earning assets | $43,516,800 | 5,197 |
| Average equity | $8,944,200 | 4,622 |
| Average total loans | $17,731,400 | 5,367 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 4,156 |
| Cost of funding earning assets | 0.2578% | 4,500 |
| Net interest margin | 3.4985% | 3,506 |
| Noninterest income to average assets | 0.2535% | 4,693 |
| Noninterest expense to average assets | 2.3166% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2968% | 1,347 |
| Return on assets (ROA) | 1.3116% | 1,330 |
| Pretax return on assets | 1.3116% | 2,430 |
| Return on Equity (ROE) | 6.6178% | 3,855 |
| Retained earnings to average equity (ytd only) | 1.3681% | 4,859 |
| Net charge-offs to loans | -0.0076% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1109% | 3,521 |
| Assets per employee ($millions) | 3.3593% | 4,902 |
| Cash dividends to net income (ytd only)* | 79.3248% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8583% | 14 |
| Loan loss allowance to noncurrent loans | 1,223.5294% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 3,915 |
| Noncurrent loans to loans | 0.5605% | 3,016 |
| Net loans and leases to total assets | 32.3418% | 5,446 |
| Net loans and leases to deposits | 40.9427% | 5,390 |
| Net loans and leases to core deposits | 46.5770% | 5,299 |
| Total domestic deposits to total assets | 78.9929% | 4,531 |
| Equity capital to assets | 20.9544% | 191 |
| Core capital (leverage) ratio | 20.5235% | 193 |
| Tier 1 risk-based capital ratio | 52.5590% | 113 |
| Total risk-based capital ratio | 53.8642% | 113 |
| Memoranda: | ||
| Average total assets | $45,237,000 | 5,301 |
| Average earning assets | $43,446,500 | 5,256 |
| Average equity | $8,965,500 | 4,666 |
| Average total loans | $17,613,750 | 5,429 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 3,837 |
| Cost of funding earning assets | 0.2508% | 4,536 |
| Net interest margin | 3.5656% | 3,161 |
| Noninterest income to average assets | 0.2535% | 4,721 |
| Noninterest expense to average assets | 2.2771% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3943% | 1,085 |
| Return on assets (ROA) | 1.3943% | 1,108 |
| Pretax return on assets | 1.3943% | 2,048 |
| Return on Equity (ROE) | 7.1656% | 3,469 |
| Retained earnings to average equity (ytd only) | 0.9434% | 4,853 |
| Net charge-offs to loans | -0.0109% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0238% | 3,985 |
| Assets per employee ($millions) | 3.4988% | 4,722 |
| Cash dividends to net income (ytd only)* | 86.8339% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8498% | 15 |
| Loan loss allowance to noncurrent loans | 1,677.4194% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 4,254 |
| Noncurrent loans to loans | 0.4084% | 3,562 |
| Net loans and leases to total assets | 31.0938% | 5,522 |
| Net loans and leases to deposits | 38.9743% | 5,481 |
| Net loans and leases to core deposits | 44.0372% | 5,398 |
| Total domestic deposits to total assets | 79.7801% | 4,461 |
| Equity capital to assets | 20.1891% | 216 |
| Core capital (leverage) ratio | 20.4246% | 190 |
| Tier 1 risk-based capital ratio | 50.0768% | 117 |
| Total risk-based capital ratio | 51.3822% | 115 |
| Memoranda: | ||
| Average total assets | $45,759,000 | 5,328 |
| Average earning assets | $43,863,000 | 5,291 |
| Average equity | $8,903,670 | 4,695 |
| Average total loans | $18,430,330 | 5,451 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 3,406 |
| Cost of funding earning assets | 0.2459% | 4,571 |
| Net interest margin | 3.6527% | 2,685 |
| Noninterest income to average assets | 0.2353% | 4,859 |
| Noninterest expense to average assets | 2.2311% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4990% | 810 |
| Return on assets (ROA) | 1.4990% | 838 |
| Pretax return on assets | 1.4990% | 1,532 |
| Return on Equity (ROE) | 7.8503% | 2,993 |
| Retained earnings to average equity (ytd only) | -4.7923% | 5,372 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8131% | 4,475 |
| Assets per employee ($millions) | 3.4675% | 4,841 |
| Cash dividends to net income (ytd only)* | 161.0465% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0430% | 45 |
| Loan loss allowance to noncurrent loans | 1,675.8065% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 4,315 |
| Noncurrent loans to loans | 0.3009% | 4,036 |
| Net loans and leases to total assets | 43.4013% | 5,073 |
| Net loans and leases to deposits | 54.2585% | 4,920 |
| Net loans and leases to core deposits | 61.3580% | 4,700 |
| Total domestic deposits to total assets | 79.9898% | 4,620 |
| Equity capital to assets | 19.5377% | 223 |
| Core capital (leverage) ratio | 19.3871% | 217 |
| Tier 1 risk-based capital ratio | 42.8619% | 192 |
| Total risk-based capital ratio | 44.1597% | 189 |
| Memoranda: | ||
| Average total assets | $45,896,000 | 5,388 |
| Average earning assets | $43,912,500 | 5,351 |
| Average equity | $8,764,000 | 4,758 |
| Average total loans | $20,054,000 | 5,462 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6609% | 4,338 |
| Cost of funding earning assets | 0.2176% | 4,861 |
| Net interest margin | 3.4432% | 3,650 |
| Noninterest income to average assets | 0.2517% | 4,917 |
| Noninterest expense to average assets | 2.6335% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9085% | 2,777 |
| Return on assets (ROA) | 1.1033% | 1,979 |
| Pretax return on assets | 1.1033% | 3,093 |
| Return on Equity (ROE) | 5.4415% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.2673% | 4,236 |
| Net charge-offs to loans | -0.0109% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3511% | 2,246 |
| Assets per employee ($millions) | 3.5935% | 4,617 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3268% | 36 |
| Loan loss allowance to noncurrent loans | 1,649.2063% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 4,425 |
| Noncurrent loans to loans | 0.3230% | 3,989 |
| Net loans and leases to total assets | 39.5291% | 5,332 |
| Net loans and leases to deposits | 52.0433% | 5,119 |
| Net loans and leases to core deposits | 58.9780% | 4,907 |
| Total domestic deposits to total assets | 75.9542% | 5,243 |
| Equity capital to assets | 18.6685% | 262 |
| Core capital (leverage) ratio | 20.3904% | 186 |
| Tier 1 risk-based capital ratio | 45.3340% | 171 |
| Total risk-based capital ratio | 46.6304% | 168 |
| Memoranda: | ||
| Average total assets | $45,680,400 | 5,424 |
| Average earning assets | $43,650,800 | 5,383 |
| Average equity | $9,262,200 | 4,695 |
| Average total loans | $18,399,800 | 5,563 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 4,264 |
| Cost of funding earning assets | 0.2213% | 4,873 |
| Net interest margin | 3.4731% | 3,572 |
| Noninterest income to average assets | 0.2407% | 5,034 |
| Noninterest expense to average assets | 2.4129% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1448% | 1,832 |
| Return on assets (ROA) | 1.2974% | 1,400 |
| Pretax return on assets | 1.2974% | 2,438 |
| Return on Equity (ROE) | 6.2710% | 3,944 |
| Retained earnings to average equity (ytd only) | 2.0998% | 4,643 |
| Net charge-offs to loans | -0.0515% | 5,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8218% | 3,256 |
| Assets per employee ($millions) | 3.4199% | 4,883 |
| Cash dividends to net income (ytd only)* | 66.5156% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5603% | 17 |
| Loan loss allowance to noncurrent loans | 353.8983% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 2,668 |
| Noncurrent loans to loans | 1.8537% | 1,088 |
| Net loans and leases to total assets | 33.4465% | 5,641 |
| Net loans and leases to deposits | 42.7029% | 5,561 |
| Net loans and leases to core deposits | 48.5155% | 5,437 |
| Total domestic deposits to total assets | 78.3238% | 4,848 |
| Equity capital to assets | 21.6402% | 175 |
| Core capital (leverage) ratio | 20.7129% | 179 |
| Tier 1 risk-based capital ratio | 53.4822% | 114 |
| Total risk-based capital ratio | 54.7928% | 112 |
| Memoranda: | ||
| Average total assets | $45,421,750 | 5,483 |
| Average earning assets | $43,379,500 | 5,444 |
| Average equity | $9,397,500 | 4,721 |
| Average total loans | $18,123,500 | 5,628 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 3,829 |
| Cost of funding earning assets | 0.2259% | 4,882 |
| Net interest margin | 3.6091% | 3,068 |
| Noninterest income to average assets | 0.2317% | 5,093 |
| Noninterest expense to average assets | 2.3916% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2636% | 1,378 |
| Return on assets (ROA) | 1.4560% | 1,012 |
| Pretax return on assets | 1.4560% | 1,819 |
| Return on Equity (ROE) | 7.1436% | 3,465 |
| Retained earnings to average equity (ytd only) | 2.1238% | 4,509 |
| Net charge-offs to loans | 0.1166% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 26.2727% | 1,493 |
| Efficiency ratio | 65.4306% | 3,771 |
| Assets per employee ($millions) | 3.4340% | 4,859 |
| Cash dividends to net income (ytd only)* | 70.2703% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0595% | 26 |
| Loan loss allowance to noncurrent loans | 403.9370% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 2,952 |
| Noncurrent loans to loans | 1.5001% | 1,458 |
| Net loans and leases to total assets | 35.6301% | 5,621 |
| Net loans and leases to deposits | 45.3330% | 5,518 |
| Net loans and leases to core deposits | 51.4491% | 5,384 |
| Total domestic deposits to total assets | 78.5964% | 4,875 |
| Equity capital to assets | 21.3767% | 172 |
| Core capital (leverage) ratio | 20.1115% | 192 |
| Tier 1 risk-based capital ratio | 48.2231% | 147 |
| Total risk-based capital ratio | 49.5231% | 146 |
| Memoranda: | ||
| Average total assets | $45,742,670 | 5,545 |
| Average earning assets | $43,390,000 | 5,507 |
| Average equity | $9,323,000 | 4,772 |
| Average total loans | $18,860,000 | 5,671 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,235 |
| Cost of funding earning assets | 0.2286% | 4,914 |
| Net interest margin | 3.7679% | 2,408 |
| Noninterest income to average assets | 0.2160% | 5,192 |
| Noninterest expense to average assets | 2.4539% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3220% | 1,204 |
| Return on assets (ROA) | 1.5553% | 811 |
| Pretax return on assets | 1.5553% | 1,419 |
| Return on Equity (ROE) | 7.8150% | 3,024 |
| Retained earnings to average equity (ytd only) | -2.3445% | 5,417 |
| Net charge-offs to loans | -0.0404% | 5,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9886% | 3,978 |
| Assets per employee ($millions) | 3.5300% | 4,770 |
| Cash dividends to net income (ytd only)* | 130.0000% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1185% | 50 |
| Loan loss allowance to noncurrent loans | 1,105.3191% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 4,316 |
| Noncurrent loans to loans | 0.4631% | 3,785 |
| Net loans and leases to total assets | 41.9699% | 5,353 |
| Net loans and leases to deposits | 54.1605% | 5,091 |
| Net loans and leases to core deposits | 61.4550% | 4,847 |
| Total domestic deposits to total assets | 77.4918% | 5,217 |
| Equity capital to assets | 20.2985% | 201 |
| Core capital (leverage) ratio | 19.6671% | 208 |
| Tier 1 risk-based capital ratio | 44.7091% | 183 |
| Total risk-based capital ratio | 46.0105% | 177 |
| Memoranda: | ||
| Average total assets | $46,293,000 | 5,587 |
| Average earning assets | $43,737,500 | 5,554 |
| Average equity | $9,213,000 | 4,810 |
| Average total loans | $19,824,000 | 5,690 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5160% | 4,878 |
| Cost of funding earning assets | 0.2237% | 5,056 |
| Net interest margin | 3.2924% | 4,320 |
| Noninterest income to average assets | 0.2464% | 5,122 |
| Noninterest expense to average assets | 2.4703% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9418% | 2,654 |
| Return on assets (ROA) | 1.0817% | 2,065 |
| Pretax return on assets | 1.0817% | 3,146 |
| Return on Equity (ROE) | 5.7846% | 4,138 |
| Retained earnings to average equity (ytd only) | 2.3674% | 4,369 |
| Net charge-offs to loans | 0.0502% | 3,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 50.1111% | 1,002 |
| Efficiency ratio | 72.3990% | 2,842 |
| Assets per employee ($millions) | 3.5920% | 4,655 |
| Cash dividends to net income (ytd only)* | 59.0734% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3595% | 42 |
| Loan loss allowance to noncurrent loans | 1,080.2083% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 4,346 |
| Noncurrent loans to loans | 0.4961% | 3,706 |
| Net loans and leases to total assets | 39.2154% | 5,557 |
| Net loans and leases to deposits | 49.1875% | 5,429 |
| Net loans and leases to core deposits | 55.4775% | 5,227 |
| Total domestic deposits to total assets | 79.7263% | 4,814 |
| Equity capital to assets | 19.5113% | 226 |
| Core capital (leverage) ratio | 19.2831% | 225 |
| Tier 1 risk-based capital ratio | 45.9926% | 157 |
| Total risk-based capital ratio | 47.2924% | 151 |
| Memoranda: | ||
| Average total assets | $47,888,400 | 5,589 |
| Average earning assets | $46,046,000 | 5,528 |
| Average equity | $8,954,800 | 4,862 |
| Average total loans | $17,915,400 | 5,795 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4884% | 5,004 |
| Cost of funding earning assets | 0.2255% | 5,127 |
| Net interest margin | 3.2629% | 4,480 |
| Noninterest income to average assets | 0.2435% | 5,191 |
| Noninterest expense to average assets | 2.1970% | 5,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2092% | 1,620 |
| Return on assets (ROA) | 1.3862% | 1,194 |
| Pretax return on assets | 1.3862% | 2,072 |
| Return on Equity (ROE) | 7.4921% | 3,342 |
| Retained earnings to average equity (ytd only) | 2.9161% | 4,374 |
| Net charge-offs to loans | -0.0228% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5004% | 4,159 |
| Assets per employee ($millions) | 3.5159% | 4,766 |
| Cash dividends to net income (ytd only)* | 61.0782% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3719% | 27 |
| Loan loss allowance to noncurrent loans | 1,263.8554% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 4,603 |
| Noncurrent loans to loans | 0.5042% | 3,837 |
| Net loans and leases to total assets | 33.7235% | 5,871 |
| Net loans and leases to deposits | 42.1793% | 5,800 |
| Net loans and leases to core deposits | 47.6874% | 5,665 |
| Total domestic deposits to total assets | 79.9527% | 4,765 |
| Equity capital to assets | 20.0188% | 233 |
| Core capital (leverage) ratio | 18.9209% | 248 |
| Tier 1 risk-based capital ratio | 50.1066% | 134 |
| Total risk-based capital ratio | 51.4132% | 134 |
| Memoranda: | ||
| Average total assets | $48,186,500 | 5,654 |
| Average earning assets | $46,705,750 | 5,578 |
| Average equity | $8,915,750 | 4,928 |
| Average total loans | $17,557,000 | 5,879 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3298% | 5,384 |
| Cost of funding earning assets | 0.2270% | 5,170 |
| Net interest margin | 3.1028% | 4,968 |
| Noninterest income to average assets | 0.2285% | 5,332 |
| Noninterest expense to average assets | 2.1994% | 5,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0405% | 2,176 |
| Return on assets (ROA) | 1.3303% | 1,284 |
| Pretax return on assets | 1.3303% | 2,244 |
| Return on Equity (ROE) | 7.3775% | 3,386 |
| Retained earnings to average equity (ytd only) | 0.4526% | 5,366 |
| Net charge-offs to loans | -0.0335% | 5,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8841% | 3,685 |
| Assets per employee ($millions) | 3.6750% | 4,482 |
| Cash dividends to net income (ytd only)* | 93.8650% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8082% | 20 |
| Loan loss allowance to noncurrent loans | 1,344.8718% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 4,793 |
| Noncurrent loans to loans | 0.5062% | 3,938 |
| Net loans and leases to total assets | 30.0555% | 6,035 |
| Net loans and leases to deposits | 38.6670% | 5,950 |
| Net loans and leases to core deposits | 43.6245% | 5,842 |
| Total domestic deposits to total assets | 77.7289% | 5,324 |
| Equity capital to assets | 18.0597% | 335 |
| Core capital (leverage) ratio | 17.8801% | 298 |
| Tier 1 risk-based capital ratio | 51.0609% | 138 |
| Total risk-based capital ratio | 52.3723% | 136 |
| Memoranda: | ||
| Average total assets | $49,013,000 | 5,693 |
| Average earning assets | $47,570,000 | 5,619 |
| Average equity | $8,837,670 | 4,977 |
| Average total loans | $17,921,670 | 5,928 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5679% | 4,782 |
| Cost of funding earning assets | 0.2251% | 5,268 |
| Net interest margin | 3.3428% | 4,051 |
| Noninterest income to average assets | 0.2257% | 5,341 |
| Noninterest expense to average assets | 2.1680% | 5,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2895% | 1,311 |
| Return on assets (ROA) | 1.7650% | 544 |
| Pretax return on assets | 1.7650% | 929 |
| Return on Equity (ROE) | 9.7959% | 2,099 |
| Retained earnings to average equity (ytd only) | -1.3419% | 5,594 |
| Net charge-offs to loans | -0.0834% | 5,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7040% | 4,670 |
| Assets per employee ($millions) | 3.5906% | 4,741 |
| Cash dividends to net income (ytd only)* | 113.6986% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4306% | 54 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 4,947 |
| Noncurrent loans to loans | 0.3879% | 4,430 |
| Net loans and leases to total assets | 36.3743% | 5,808 |
| Net loans and leases to deposits | 47.3067% | 5,603 |
| Net loans and leases to core deposits | 53.1047% | 5,417 |
| Total domestic deposits to total assets | 76.8903% | 5,629 |
| Equity capital to assets | 17.9116% | 336 |
| Core capital (leverage) ratio | 17.8618% | 294 |
| Tier 1 risk-based capital ratio | 43.0747% | 217 |
| Total risk-based capital ratio | 44.3703% | 214 |
| Memoranda: | ||
| Average total assets | $49,632,000 | 5,729 |
| Average earning assets | $47,983,500 | 5,660 |
| Average equity | $8,942,500 | 5,007 |
| Average total loans | $19,178,500 | 5,934 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 4,781 |
| Cost of funding earning assets | 0.2632% | 5,186 |
| Net interest margin | 3.4350% | 4,046 |
| Noninterest income to average assets | 0.2439% | 5,378 |
| Noninterest expense to average assets | 2.6228% | 4,132 |
| Loan and lease loss provision to assets | -0.0216% | 5,940 |
| Net operating income to assets | 0.9671% | 2,545 |
| Return on assets (ROA) | 0.8009% | 3,467 |
| Pretax return on assets | 0.8009% | 4,256 |
| Return on Equity (ROE) | 4.5381% | 4,870 |
| Retained earnings to average equity (ytd only) | 2.1162% | 4,722 |
| Net charge-offs to loans | 0.1663% | 2,370 |
| Credit loss provision to net charge-offs | -34.4828% | 5,388 |
| Earnings coverage of net charge-offs (x) | 15.1034% | 2,107 |
| Efficiency ratio | 73.5027% | 2,928 |
| Assets per employee ($millions) | 3.4996% | 4,902 |
| Cash dividends to net income (ytd only)* | 53.3693% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4989% | 54 |
| Loan loss allowance to noncurrent loans | 1,394.6667% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 5,012 |
| Noncurrent loans to loans | 0.3943% | 4,459 |
| Net loans and leases to total assets | 36.6895% | 5,915 |
| Net loans and leases to deposits | 44.8279% | 5,849 |
| Net loans and leases to core deposits | 50.1003% | 5,710 |
| Total domestic deposits to total assets | 81.8451% | 4,478 |
| Equity capital to assets | 18.1263% | 308 |
| Core capital (leverage) ratio | 18.6001% | 264 |
| Tier 1 risk-based capital ratio | 45.7161% | 166 |
| Total risk-based capital ratio | 47.0185% | 165 |
| Memoranda: | ||
| Average total assets | $46,324,000 | 5,878 |
| Average earning assets | $44,832,600 | 5,805 |
| Average equity | $8,175,200 | 5,160 |
| Average total loans | $17,442,000 | 6,068 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 4,470 |
| Cost of funding earning assets | 0.2748% | 5,153 |
| Net interest margin | 3.5453% | 3,646 |
| Noninterest income to average assets | 0.2482% | 5,435 |
| Noninterest expense to average assets | 2.3684% | 4,917 |
| Loan and lease loss provision to assets | -0.0292% | 6,124 |
| Net operating income to assets | 1.3375% | 1,275 |
| Return on assets (ROA) | 1.1360% | 1,975 |
| Pretax return on assets | 1.1360% | 3,044 |
| Return on Equity (ROE) | 6.4841% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.1837% | 4,366 |
| Net charge-offs to loans | -0.2346% | 6,339 |
| Credit loss provision to net charge-offs | 33.3333% | 3,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4162% | 4,478 |
| Assets per employee ($millions) | 3.2879% | 5,262 |
| Cash dividends to net income (ytd only)* | 50.8995% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0865% | 31 |
| Loan loss allowance to noncurrent loans | 856.5891% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 4,762 |
| Noncurrent loans to loans | 0.8273% | 3,506 |
| Net loans and leases to total assets | 31.4744% | 6,204 |
| Net loans and leases to deposits | 38.6718% | 6,163 |
| Net loans and leases to core deposits | 43.5808% | 6,059 |
| Total domestic deposits to total assets | 81.3886% | 4,702 |
| Equity capital to assets | 18.5788% | 296 |
| Core capital (leverage) ratio | 19.0761% | 249 |
| Tier 1 risk-based capital ratio | 54.1615% | 116 |
| Total risk-based capital ratio | 55.4786% | 114 |
| Memoranda: | ||
| Average total assets | $45,656,250 | 5,956 |
| Average earning assets | $44,151,500 | 5,897 |
| Average equity | $7,998,750 | 5,243 |
| Average total loans | $17,047,000 | 6,148 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8842% | 4,200 |
| Cost of funding earning assets | 0.2918% | 5,053 |
| Net interest margin | 3.5924% | 3,387 |
| Noninterest income to average assets | 0.2679% | 5,289 |
| Noninterest expense to average assets | 2.3325% | 5,076 |
| Loan and lease loss provision to assets | -0.0264% | 6,255 |
| Net operating income to assets | 1.4232% | 1,015 |
| Return on assets (ROA) | 0.9576% | 2,611 |
| Pretax return on assets | 0.9576% | 3,652 |
| Return on Equity (ROE) | 5.5795% | 4,399 |
| Retained earnings to average equity (ytd only) | 0.5119% | 5,534 |
| Net charge-offs to loans | -0.2966% | 6,428 |
| Credit loss provision to net charge-offs | 23.0769% | 3,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5442% | 4,936 |
| Assets per employee ($millions) | 3.2086% | 5,411 |
| Cash dividends to net income (ytd only)* | 90.8257% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0034% | 28 |
| Loan loss allowance to noncurrent loans | 504.5662% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 4,182 |
| Noncurrent loans to loans | 1.3880% | 2,481 |
| Net loans and leases to total assets | 32.6640% | 6,214 |
| Net loans and leases to deposits | 39.9929% | 6,158 |
| Net loans and leases to core deposits | 45.1908% | 6,028 |
| Total domestic deposits to total assets | 81.6745% | 4,759 |
| Equity capital to assets | 18.2899% | 312 |
| Core capital (leverage) ratio | 18.9212% | 246 |
| Tier 1 risk-based capital ratio | 52.1246% | 122 |
| Total risk-based capital ratio | 53.4418% | 121 |
| Memoranda: | ||
| Average total assets | $45,531,330 | 6,016 |
| Average earning assets | $43,870,330 | 5,955 |
| Average equity | $7,814,330 | 5,306 |
| Average total loans | $17,531,670 | 6,172 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 3,058 |
| Cost of funding earning assets | 0.3000% | 5,067 |
| Net interest margin | 3.8543% | 2,259 |
| Noninterest income to average assets | 0.3054% | 4,910 |
| Noninterest expense to average assets | 2.3038% | 5,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7017% | 576 |
| Return on assets (ROA) | 0.8465% | 2,995 |
| Pretax return on assets | 0.8465% | 3,918 |
| Return on Equity (ROE) | 5.0962% | 4,501 |
| Retained earnings to average equity (ytd only) | -5.3064% | 6,142 |
| Net charge-offs to loans | -0.1304% | 6,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5163% | 5,702 |
| Assets per employee ($millions) | 3.2856% | 5,372 |
| Cash dividends to net income (ytd only)* | 204.1237% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9604% | 50 |
| Loan loss allowance to noncurrent loans | 484.8889% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 4,356 |
| Noncurrent loans to loans | 1.2292% | 2,990 |
| Net loans and leases to total assets | 37.4204% | 5,988 |
| Net loans and leases to deposits | 46.7745% | 5,799 |
| Net loans and leases to core deposits | 52.8330% | 5,572 |
| Total domestic deposits to total assets | 80.0017% | 5,480 |
| Equity capital to assets | 16.8199% | 417 |
| Core capital (leverage) ratio | 18.6074% | 268 |
| Tier 1 risk-based capital ratio | 44.9196% | 175 |
| Total risk-based capital ratio | 46.2249% | 174 |
| Memoranda: | ||
| Average total assets | $45,836,500 | 6,072 |
| Average earning assets | $44,002,500 | 6,003 |
| Average equity | $7,613,500 | 5,386 |
| Average total loans | $18,408,500 | 6,202 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 4,178 |
| Cost of funding earning assets | 0.3381% | 5,261 |
| Net interest margin | 3.6360% | 3,303 |
| Noninterest income to average assets | 0.2461% | 5,582 |
| Noninterest expense to average assets | 2.6064% | 4,440 |
| Loan and lease loss provision to assets | 0.0505% | 4,126 |
| Net operating income to assets | 1.0637% | 2,063 |
| Return on assets (ROA) | 1.0791% | 2,079 |
| Pretax return on assets | 1.0791% | 3,037 |
| Return on Equity (ROE) | 5.9638% | 4,106 |
| Retained earnings to average equity (ytd only) | 4.7249% | 2,795 |
| Net charge-offs to loans | 0.1226% | 3,583 |
| Credit loss provision to net charge-offs | 104.5455% | 2,316 |
| Earnings coverage of net charge-offs (x) | 23.0455% | 1,429 |
| Efficiency ratio | 70.0532% | 3,831 |
| Assets per employee ($millions) | 3.2624% | 5,359 |
| Cash dividends to net income (ytd only)* | 20.7739% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8607% | 49 |
| Loan loss allowance to noncurrent loans | 504.6512% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 4,497 |
| Noncurrent loans to loans | 1.1613% | 3,221 |
| Net loans and leases to total assets | 38.1574% | 6,079 |
| Net loans and leases to deposits | 45.6733% | 6,034 |
| Net loans and leases to core deposits | 51.3510% | 5,847 |
| Total domestic deposits to total assets | 83.5442% | 4,343 |
| Equity capital to assets | 16.3988% | 463 |
| Core capital (leverage) ratio | 18.6231% | 264 |
| Tier 1 risk-based capital ratio | 48.0617% | 147 |
| Total risk-based capital ratio | 49.3745% | 146 |
| Memoranda: | ||
| Average total assets | $45,502,600 | 6,136 |
| Average earning assets | $43,481,400 | 6,065 |
| Average equity | $8,233,000 | 5,280 |
| Average total loans | $17,947,800 | 6,285 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 4,030 |
| Cost of funding earning assets | 0.3464% | 5,330 |
| Net interest margin | 3.6790% | 3,110 |
| Noninterest income to average assets | 0.2552% | 5,615 |
| Noninterest expense to average assets | 2.3815% | 5,076 |
| Loan and lease loss provision to assets | 0.0029% | 4,898 |
| Net operating income to assets | 1.3902% | 1,128 |
| Return on assets (ROA) | 1.3667% | 1,232 |
| Pretax return on assets | 1.3667% | 2,053 |
| Return on Equity (ROE) | 7.3802% | 3,447 |
| Retained earnings to average equity (ytd only) | 5.7648% | 2,560 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0925% | 4,971 |
| Assets per employee ($millions) | 3.4465% | 4,962 |
| Cash dividends to net income (ytd only)* | 21.8889% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1518% | 25 |
| Loan loss allowance to noncurrent loans | 511.7925% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 4,687 |
| Noncurrent loans to loans | 1.3974% | 3,075 |
| Net loans and leases to total assets | 31.4385% | 6,478 |
| Net loans and leases to deposits | 37.9595% | 6,451 |
| Net loans and leases to core deposits | 42.8276% | 6,361 |
| Total domestic deposits to total assets | 82.8211% | 4,647 |
| Equity capital to assets | 17.1253% | 403 |
| Core capital (leverage) ratio | 18.7341% | 245 |
| Tier 1 risk-based capital ratio | 51.8892% | 122 |
| Total risk-based capital ratio | 53.2074% | 122 |
| Memoranda: | ||
| Average total assets | $45,459,750 | 6,208 |
| Average earning assets | $43,488,500 | 6,135 |
| Average equity | $8,418,750 | 5,293 |
| Average total loans | $17,806,500 | 6,356 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 4,150 |
| Cost of funding earning assets | 0.3580% | 5,333 |
| Net interest margin | 3.6307% | 3,243 |
| Noninterest income to average assets | 0.2408% | 5,727 |
| Noninterest expense to average assets | 2.3863% | 5,091 |
| Loan and lease loss provision to assets | -0.0044% | 6,568 |
| Net operating income to assets | 1.3223% | 1,266 |
| Return on assets (ROA) | 1.3354% | 1,319 |
| Pretax return on assets | 1.3354% | 2,172 |
| Return on Equity (ROE) | 7.0379% | 3,579 |
| Retained earnings to average equity (ytd only) | 7.0379% | 1,878 |
| Net charge-offs to loans | -0.0321% | 6,119 |
| Credit loss provision to net charge-offs | 33.3333% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4208% | 4,807 |
| Assets per employee ($millions) | 3.1802% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0699% | 27 |
| Loan loss allowance to noncurrent loans | 472.1739% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 4,661 |
| Noncurrent loans to loans | 1.4973% | 3,058 |
| Net loans and leases to total assets | 32.0621% | 6,505 |
| Net loans and leases to deposits | 39.2483% | 6,442 |
| Net loans and leases to core deposits | 44.3971% | 6,316 |
| Total domestic deposits to total assets | 81.6904% | 5,146 |
| Equity capital to assets | 18.2445% | 305 |
| Core capital (leverage) ratio | 18.5328% | 251 |
| Tier 1 risk-based capital ratio | 49.0659% | 132 |
| Total risk-based capital ratio | 50.3673% | 130 |
| Memoranda: | ||
| Average total assets | $45,678,000 | 6,241 |
| Average earning assets | $43,573,330 | 6,168 |
| Average equity | $8,667,330 | 5,255 |
| Average total loans | $18,685,000 | 6,368 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 2,548 |
| Cost of funding earning assets | 0.3729% | 5,341 |
| Net interest margin | 4.0196% | 1,713 |
| Noninterest income to average assets | 0.2248% | 5,860 |
| Noninterest expense to average assets | 2.5251% | 4,674 |
| Loan and lease loss provision to assets | -0.0086% | 6,735 |
| Net operating income to assets | 1.5306% | 800 |
| Return on assets (ROA) | 1.5306% | 875 |
| Pretax return on assets | 1.5306% | 1,486 |
| Return on Equity (ROE) | 7.9199% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.9199% | 1,778 |
| Net charge-offs to loans | -0.0197% | 5,702 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3932% | 5,256 |
| Assets per employee ($millions) | 3.3326% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2703% | 114 |
| Loan loss allowance to noncurrent loans | 1,191.2088% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 5,665 |
| Noncurrent loans to loans | 0.4424% | 5,313 |
| Net loans and leases to total assets | 41.7610% | 5,864 |
| Net loans and leases to deposits | 53.1928% | 5,505 |
| Net loans and leases to core deposits | 60.1154% | 5,142 |
| Total domestic deposits to total assets | 78.5087% | 6,046 |
| Equity capital to assets | 19.2794% | 249 |
| Core capital (leverage) ratio | 18.3421% | 267 |
| Tier 1 risk-based capital ratio | 42.2290% | 207 |
| Total risk-based capital ratio | 43.5330% | 206 |
| Memoranda: | ||
| Average total assets | $46,255,500 | 6,284 |
| Average earning assets | $43,984,500 | 6,212 |
| Average equity | $8,939,500 | 5,233 |
| Average total loans | $20,347,000 | 6,342 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 1,546 |
| Cost of funding earning assets | 0.4540% | 5,556 |
| Net interest margin | 4.5512% | 860 |
| Noninterest income to average assets | 0.2203% | 5,863 |
| Noninterest expense to average assets | 2.8771% | 3,729 |
| Loan and lease loss provision to assets | 0.0334% | 5,474 |
| Net operating income to assets | 1.6599% | 674 |
| Return on assets (ROA) | 2.0204% | 376 |
| Pretax return on assets | 2.0204% | 576 |
| Return on Equity (ROE) | 9.9818% | 2,175 |
| Retained earnings to average equity (ytd only) | 1.5061% | 5,114 |
| Net charge-offs to loans | -0.0446% | 6,685 |
| Credit loss provision to net charge-offs | -187.5000% | 6,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9503% | 5,087 |
| Assets per employee ($millions) | 3.2754% | 5,468 |
| Cash dividends to net income (ytd only)* | 84.9119% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3861% | 104 |
| Loan loss allowance to noncurrent loans | 1,165.5914% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 5,737 |
| Noncurrent loans to loans | 0.4621% | 5,360 |
| Net loans and leases to total assets | 41.5266% | 6,043 |
| Net loans and leases to deposits | 51.5457% | 5,839 |
| Net loans and leases to core deposits | 58.1879% | 5,527 |
| Total domestic deposits to total assets | 80.5626% | 5,528 |
| Equity capital to assets | 19.3741% | 245 |
| Core capital (leverage) ratio | 18.4301% | 259 |
| Tier 1 risk-based capital ratio | 43.7677% | 182 |
| Total risk-based capital ratio | 45.0789% | 180 |
| Memoranda: | ||
| Average total assets | $44,941,400 | 6,349 |
| Average earning assets | $42,955,800 | 6,273 |
| Average equity | $9,096,600 | 5,199 |
| Average total loans | $17,929,600 | 6,512 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2692% | 1,064 |
| Cost of funding earning assets | 0.4708% | 5,631 |
| Net interest margin | 4.7984% | 564 |
| Noninterest income to average assets | 0.2236% | 5,954 |
| Noninterest expense to average assets | 2.4064% | 5,378 |
| Loan and lease loss provision to assets | -0.0060% | 6,951 |
| Net operating income to assets | 2.4124% | 202 |
| Return on assets (ROA) | 2.9372% | 114 |
| Pretax return on assets | 2.9372% | 165 |
| Return on Equity (ROE) | 14.3534% | 1,035 |
| Retained earnings to average equity (ytd only) | 10.4627% | 795 |
| Net charge-offs to loans | -0.1611% | 6,952 |
| Credit loss provision to net charge-offs | 9.5238% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,588 |
| Assets per employee ($millions) | 3.4163% | 5,172 |
| Cash dividends to net income (ytd only)* | 27.1065% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2938% | 37 |
| Loan loss allowance to noncurrent loans | 729.7297% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 5,549 |
| Noncurrent loans to loans | 0.9995% | 4,452 |
| Net loans and leases to total assets | 30.9083% | 6,779 |
| Net loans and leases to deposits | 39.4250% | 6,700 |
| Net loans and leases to core deposits | 44.8580% | 6,565 |
| Total domestic deposits to total assets | 78.3977% | 5,992 |
| Equity capital to assets | 21.5415% | 184 |
| Core capital (leverage) ratio | 19.7288% | 218 |
| Tier 1 risk-based capital ratio | 53.4016% | 127 |
| Total risk-based capital ratio | 54.7184% | 125 |
| Memoranda: | ||
| Average total assets | $44,713,000 | 6,427 |
| Average earning assets | $42,763,000 | 6,348 |
| Average equity | $9,149,750 | 5,232 |
| Average total loans | $17,380,500 | 6,622 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 614 |
| Cost of funding earning assets | 0.4870% | 5,709 |
| Net interest margin | 5.0811% | 347 |
| Noninterest income to average assets | 0.2321% | 5,911 |
| Noninterest expense to average assets | 2.4859% | 5,186 |
| Loan and lease loss provision to assets | -0.0134% | 7,031 |
| Net operating income to assets | 2.6019% | 150 |
| Return on assets (ROA) | 3.1910% | 93 |
| Pretax return on assets | 3.1910% | 131 |
| Return on Equity (ROE) | 15.8701% | 786 |
| Retained earnings to average equity (ytd only) | 12.6739% | 480 |
| Net charge-offs to loans | -0.0877% | 6,829 |
| Credit loss provision to net charge-offs | 37.5000% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9886% | 6,713 |
| Assets per employee ($millions) | 3.4052% | 5,204 |
| Cash dividends to net income (ytd only)* | 20.1399% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0289% | 49 |
| Loan loss allowance to noncurrent loans | 801.5038% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 5,747 |
| Noncurrent loans to loans | 0.8770% | 4,738 |
| Net loans and leases to total assets | 31.8522% | 6,813 |
| Net loans and leases to deposits | 40.4579% | 6,720 |
| Net loans and leases to core deposits | 46.0273% | 6,573 |
| Total domestic deposits to total assets | 78.7291% | 6,010 |
| Equity capital to assets | 21.1919% | 194 |
| Core capital (leverage) ratio | 19.2961% | 230 |
| Tier 1 risk-based capital ratio | 50.2245% | 131 |
| Total risk-based capital ratio | 51.5132% | 130 |
| Memoranda: | ||
| Average total assets | $44,813,330 | 6,470 |
| Average earning assets | $42,707,000 | 6,390 |
| Average equity | $9,010,670 | 5,264 |
| Average total loans | $18,238,330 | 6,634 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1103% | 262 |
| Cost of funding earning assets | 0.5107% | 5,743 |
| Net interest margin | 5.5995% | 160 |
| Noninterest income to average assets | 0.2395% | 5,911 |
| Noninterest expense to average assets | 2.6704% | 4,542 |
| Loan and lease loss provision to assets | -0.0444% | 7,141 |
| Net operating income to assets | 2.9632% | 109 |
| Return on assets (ROA) | 4.1165% | 69 |
| Pretax return on assets | 4.1165% | 84 |
| Return on Equity (ROE) | 21.0300% | 318 |
| Retained earnings to average equity (ytd only) | 21.0300% | 160 |
| Net charge-offs to loans | -0.1011% | 6,791 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7778% | 6,819 |
| Assets per employee ($millions) | 3.4773% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2069% | 147 |
| Loan loss allowance to noncurrent loans | 599.4350% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 5,662 |
| Noncurrent loans to loans | 0.8686% | 4,931 |
| Net loans and leases to total assets | 42.7298% | 6,123 |
| Net loans and leases to deposits | 55.6112% | 5,646 |
| Net loans and leases to core deposits | 63.6085% | 5,165 |
| Total domestic deposits to total assets | 76.8366% | 6,424 |
| Equity capital to assets | 19.7655% | 231 |
| Core capital (leverage) ratio | 18.8332% | 250 |
| Tier 1 risk-based capital ratio | 43.4157% | 181 |
| Total risk-based capital ratio | 44.7172% | 180 |
| Memoranda: | ||
| Average total assets | $45,086,500 | 6,505 |
| Average earning assets | $43,075,000 | 6,426 |
| Average equity | $8,825,500 | 5,333 |
| Average total loans | $19,774,500 | 6,624 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7266% | 740 |
| Cost of funding earning assets | 0.6151% | 6,011 |
| Net interest margin | 5.1115% | 334 |
| Noninterest income to average assets | 0.2709% | 5,590 |
| Noninterest expense to average assets | 3.1702% | 2,966 |
| Loan and lease loss provision to assets | 0.0138% | 6,371 |
| Net operating income to assets | 2.0086% | 306 |
| Return on assets (ROA) | 2.0270% | 314 |
| Pretax return on assets | 2.0270% | 505 |
| Return on Equity (ROE) | 10.4411% | 1,892 |
| Retained earnings to average equity (ytd only) | 1.2889% | 5,252 |
| Net charge-offs to loans | -0.3032% | 7,245 |
| Credit loss provision to net charge-offs | -11.1111% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0522% | 5,595 |
| Assets per employee ($millions) | 3.4591% | 5,117 |
| Cash dividends to net income (ytd only)* | 87.6557% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5341% | 128 |
| Loan loss allowance to noncurrent loans | 3,929.6296% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 6,578 |
| Noncurrent loans to loans | 0.1408% | 6,458 |
| Net loans and leases to total assets | 40.2753% | 6,532 |
| Net loans and leases to deposits | 50.7084% | 6,314 |
| Net loans and leases to core deposits | 57.7722% | 6,014 |
| Total domestic deposits to total assets | 79.4254% | 5,886 |
| Equity capital to assets | 19.3827% | 264 |
| Core capital (leverage) ratio | 18.4085% | 278 |
| Tier 1 risk-based capital ratio | 44.4033% | 171 |
| Total risk-based capital ratio | 45.7452% | 169 |
| Memoranda: | ||
| Average total assets | $43,562,600 | 6,551 |
| Average earning assets | $41,944,600 | 6,467 |
| Average equity | $8,457,000 | 5,417 |
| Average total loans | $17,812,200 | 6,763 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 1,746 |
| Cost of funding earning assets | 0.6450% | 6,056 |
| Net interest margin | 4.6873% | 783 |
| Noninterest income to average assets | 0.2653% | 5,720 |
| Noninterest expense to average assets | 2.5579% | 5,244 |
| Loan and lease loss provision to assets | -0.1327% | 7,367 |
| Net operating income to assets | 2.3697% | 188 |
| Return on assets (ROA) | 2.3975% | 190 |
| Pretax return on assets | 2.3975% | 298 |
| Return on Equity (ROE) | 12.3444% | 1,454 |
| Retained earnings to average equity (ytd only) | 7.8165% | 1,583 |
| Net charge-offs to loans | -0.7860% | 7,374 |
| Credit loss provision to net charge-offs | 41.7476% | 5,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3462% | 6,562 |
| Assets per employee ($millions) | 3.3255% | 5,430 |
| Cash dividends to net income (ytd only)* | 36.6796% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0998% | 42 |
| Loan loss allowance to noncurrent loans | 1,473.6111% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 6,413 |
| Noncurrent loans to loans | 0.4818% | 5,883 |
| Net loans and leases to total assets | 32.1135% | 7,023 |
| Net loans and leases to deposits | 40.9009% | 6,947 |
| Net loans and leases to core deposits | 46.9401% | 6,802 |
| Total domestic deposits to total assets | 78.5154% | 6,092 |
| Equity capital to assets | 21.4059% | 185 |
| Core capital (leverage) ratio | 19.8169% | 225 |
| Tier 1 risk-based capital ratio | 54.2765% | 131 |
| Total risk-based capital ratio | 55.5978% | 127 |
| Memoranda: | ||
| Average total assets | $43,211,250 | 6,618 |
| Average earning assets | $41,757,250 | 6,522 |
| Average equity | $8,392,250 | 5,473 |
| Average total loans | $17,472,250 | 6,847 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5995% | 1,071 |
| Cost of funding earning assets | 0.6712% | 6,118 |
| Net interest margin | 4.9283% | 458 |
| Noninterest income to average assets | 0.2639% | 5,763 |
| Noninterest expense to average assets | 2.5229% | 5,450 |
| Loan and lease loss provision to assets | -0.0324% | 7,391 |
| Net operating income to assets | 2.5321% | 159 |
| Return on assets (ROA) | 2.5692% | 160 |
| Pretax return on assets | 2.5692% | 222 |
| Return on Equity (ROE) | 13.6952% | 1,048 |
| Retained earnings to average equity (ytd only) | 9.9198% | 863 |
| Net charge-offs to loans | -0.1092% | 7,188 |
| Credit loss provision to net charge-offs | 70.0000% | 4,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2304% | 6,922 |
| Assets per employee ($millions) | 3.3092% | 5,404 |
| Cash dividends to net income (ytd only)* | 27.5676% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8556% | 59 |
| Loan loss allowance to noncurrent loans | 732.8467% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 6,124 |
| Noncurrent loans to loans | 0.9355% | 5,098 |
| Net loans and leases to total assets | 31.7085% | 7,123 |
| Net loans and leases to deposits | 39.6172% | 7,076 |
| Net loans and leases to core deposits | 45.3717% | 6,964 |
| Total domestic deposits to total assets | 80.0372% | 5,813 |
| Equity capital to assets | 19.8605% | 267 |
| Core capital (leverage) ratio | 19.8675% | 233 |
| Tier 1 risk-based capital ratio | 53.5776% | 135 |
| Total risk-based capital ratio | 54.8891% | 135 |
| Memoranda: | ||
| Average total assets | $43,204,670 | 6,671 |
| Average earning assets | $41,718,330 | 6,577 |
| Average equity | $8,105,000 | 5,578 |
| Average total loans | $18,315,000 | 6,872 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8658% | 650 |
| Cost of funding earning assets | 0.6878% | 6,207 |
| Net interest margin | 5.1779% | 261 |
| Noninterest income to average assets | 0.2587% | 5,828 |
| Noninterest expense to average assets | 2.5498% | 5,389 |
| Loan and lease loss provision to assets | -0.0554% | 7,475 |
| Net operating income to assets | 2.7716% | 134 |
| Return on assets (ROA) | 2.7716% | 140 |
| Pretax return on assets | 2.7716% | 182 |
| Return on Equity (ROE) | 15.2178% | 790 |
| Retained earnings to average equity (ytd only) | 15.2178% | 374 |
| Net charge-offs to loans | -0.1390% | 7,178 |
| Credit loss provision to net charge-offs | 85.7143% | 3,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4211% | 7,101 |
| Assets per employee ($millions) | 3.3218% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0284% | 187 |
| Loan loss allowance to noncurrent loans | 519.1710% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 5,885 |
| Noncurrent loans to loans | 0.9685% | 5,107 |
| Net loans and leases to total assets | 43.8241% | 6,482 |
| Net loans and leases to deposits | 56.2574% | 6,106 |
| Net loans and leases to core deposits | 64.6500% | 5,664 |
| Total domestic deposits to total assets | 77.8992% | 6,395 |
| Equity capital to assets | 18.4930% | 331 |
| Core capital (leverage) ratio | 18.9856% | 274 |
| Tier 1 risk-based capital ratio | 43.4858% | 195 |
| Total risk-based capital ratio | 44.7855% | 190 |
| Memoranda: | ||
| Average total assets | $43,297,000 | 6,717 |
| Average earning assets | $41,870,000 | 6,618 |
| Average equity | $7,885,500 | 5,652 |
| Average total loans | $20,150,000 | 6,832 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9653% | 915 |
| Cost of funding earning assets | 0.8277% | 6,453 |
| Net interest margin | 5.1376% | 328 |
| Noninterest income to average assets | 0.2760% | 5,806 |
| Noninterest expense to average assets | 2.9757% | 3,942 |
| Loan and lease loss provision to assets | 0.1988% | 5,245 |
| Net operating income to assets | 2.0095% | 277 |
| Return on assets (ROA) | 2.0493% | 272 |
| Pretax return on assets | 2.0493% | 436 |
| Return on Equity (ROE) | 10.0503% | 1,913 |
| Retained earnings to average equity (ytd only) | 1.0326% | 5,023 |
| Net charge-offs to loans | 0.4615% | 3,775 |
| Credit loss provision to net charge-offs | 101.1905% | 4,484 |
| Earnings coverage of net charge-offs (x) | 11.2381% | 1,623 |
| Efficiency ratio | 57.4007% | 6,401 |
| Assets per employee ($millions) | 3.1007% | 5,878 |
| Cash dividends to net income (ytd only)* | 89.7260% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9134% | 201 |
| Loan loss allowance to noncurrent loans | 369.3727% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 5,571 |
| Noncurrent loans to loans | 1.3302% | 4,496 |
| Net loans and leases to total assets | 44.6257% | 6,666 |
| Net loans and leases to deposits | 54.4662% | 6,573 |
| Net loans and leases to core deposits | 62.6905% | 6,179 |
| Total domestic deposits to total assets | 81.9327% | 5,209 |
| Equity capital to assets | 17.9337% | 376 |
| Core capital (leverage) ratio | 18.3939% | 309 |
| Tier 1 risk-based capital ratio | 43.8402% | 183 |
| Total risk-based capital ratio | 45.1445% | 182 |
| Memoranda: | ||
| Average total assets | $42,746,200 | 6,776 |
| Average earning assets | $40,836,200 | 6,681 |
| Average equity | $8,716,200 | 5,497 |
| Average total loans | $18,203,200 | 7,018 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1506% | 680 |
| Cost of funding earning assets | 0.8468% | 6,596 |
| Net interest margin | 5.3038% | 241 |
| Noninterest income to average assets | 0.2787% | 5,875 |
| Noninterest expense to average assets | 2.5927% | 5,357 |
| Loan and lease loss provision to assets | -0.0094% | 7,674 |
| Net operating income to assets | 2.7555% | 102 |
| Return on assets (ROA) | 2.8087% | 102 |
| Pretax return on assets | 2.8087% | 156 |
| Return on Equity (ROE) | 13.3643% | 1,169 |
| Retained earnings to average equity (ytd only) | 13.3643% | 313 |
| Net charge-offs to loans | -0.0302% | 7,404 |
| Credit loss provision to net charge-offs | 75.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5630% | 7,238 |
| Assets per employee ($millions) | 3.0111% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1775% | 104 |
| Loan loss allowance to noncurrent loans | 145.7060% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 1.7245% | 3,855 |
| Noncurrent loans to loans | 4.2397% | 1,719 |
| Net loans and leases to total assets | 36.0637% | 7,262 |
| Net loans and leases to deposits | 46.4753% | 7,151 |
| Net loans and leases to core deposits | 54.2093% | 6,947 |
| Total domestic deposits to total assets | 77.5975% | 6,347 |
| Equity capital to assets | 22.2863% | 186 |
| Core capital (leverage) ratio | 20.8907% | 212 |
| Tier 1 risk-based capital ratio | 55.7725% | 128 |
| Total risk-based capital ratio | 57.0872% | 124 |
| Memoranda: | ||
| Average total assets | $42,580,250 | 6,862 |
| Average earning assets | $40,623,750 | 6,773 |
| Average equity | $8,949,000 | 5,508 |
| Average total loans | $17,660,750 | 7,136 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2010% | 621 |
| Cost of funding earning assets | 0.8662% | 6,707 |
| Net interest margin | 5.3349% | 234 |
| Noninterest income to average assets | 0.2528% | 6,104 |
| Noninterest expense to average assets | 2.5608% | 5,488 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.7667% | 103 |
| Return on assets (ROA) | 2.8323% | 99 |
| Pretax return on assets | 2.8323% | 150 |
| Return on Equity (ROE) | 13.7495% | 1,086 |
| Retained earnings to average equity (ytd only) | 13.7495% | 320 |
| Net charge-offs to loans | -0.0110% | 7,207 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0668% | 7,345 |
| Assets per employee ($millions) | 3.2718% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6876% | 68 |
| Loan loss allowance to noncurrent loans | 178.4314% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 4,354 |
| Noncurrent loans to loans | 3.7480% | 2,077 |
| Net loans and leases to total assets | 32.8373% | 7,456 |
| Net loans and leases to deposits | 42.2410% | 7,388 |
| Net loans and leases to core deposits | 49.1778% | 7,247 |
| Total domestic deposits to total assets | 77.7378% | 6,325 |
| Equity capital to assets | 21.1689% | 229 |
| Core capital (leverage) ratio | 20.4032% | 222 |
| Tier 1 risk-based capital ratio | 54.9210% | 133 |
| Total risk-based capital ratio | 56.2354% | 132 |
| Memoranda: | ||
| Average total assets | $42,721,670 | 6,914 |
| Average earning assets | $40,638,330 | 6,823 |
| Average equity | $8,800,330 | 5,559 |
| Average total loans | $18,146,330 | 7,166 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7988% | 222 |
| Cost of funding earning assets | 0.8795% | 6,844 |
| Net interest margin | 5.9193% | 115 |
| Noninterest income to average assets | 0.2336% | 6,286 |
| Noninterest expense to average assets | 2.6906% | 4,949 |
| Loan and lease loss provision to assets | -0.0280% | 7,851 |
| Net operating income to assets | 3.1671% | 85 |
| Return on assets (ROA) | 3.2418% | 83 |
| Pretax return on assets | 3.2418% | 118 |
| Return on Equity (ROE) | 15.9568% | 726 |
| Retained earnings to average equity (ytd only) | 15.9568% | 345 |
| Net charge-offs to loans | -0.0811% | 7,476 |
| Credit loss provision to net charge-offs | 75.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1538% | 7,547 |
| Assets per employee ($millions) | 3.2632% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9823% | 178 |
| Loan loss allowance to noncurrent loans | 183.3333% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 4,436 |
| Noncurrent loans to loans | 2.7176% | 2,943 |
| Net loans and leases to total assets | 45.0013% | 6,904 |
| Net loans and leases to deposits | 60.7942% | 6,382 |
| Net loans and leases to core deposits | 70.0911% | 5,908 |
| Total domestic deposits to total assets | 74.0223% | 7,045 |
| Equity capital to assets | 20.7515% | 252 |
| Core capital (leverage) ratio | 19.8733% | 257 |
| Tier 1 risk-based capital ratio | 45.1966% | 187 |
| Total risk-based capital ratio | 46.5002% | 183 |
| Memoranda: | ||
| Average total assets | $42,815,500 | 6,990 |
| Average earning assets | $40,478,000 | 6,913 |
| Average equity | $8,698,500 | 5,630 |
| Average total loans | $19,735,500 | 7,169 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7163% | 103 |
| Cost of funding earning assets | 1.1562% | 6,807 |
| Net interest margin | 6.5601% | 66 |
| Noninterest income to average assets | 0.2804% | 6,103 |
| Noninterest expense to average assets | 3.3198% | 2,948 |
| Loan and lease loss provision to assets | 0.4065% | 4,378 |
| Net operating income to assets | 2.7708% | 68 |
| Return on assets (ROA) | 2.9227% | 64 |
| Pretax return on assets | 2.9227% | 105 |
| Return on Equity (ROE) | 14.0341% | 779 |
| Retained earnings to average equity (ytd only) | 2.1203% | 3,620 |
| Net charge-offs to loans | 0.9758% | 2,457 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 7.8161% | 2,059 |
| Efficiency ratio | 51.0967% | 7,464 |
| Assets per employee ($millions) | 3.3238% | 5,445 |
| Cash dividends to net income (ytd only)* | 84.8921% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1600% | 157 |
| Loan loss allowance to noncurrent loans | 263.1579% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.9720% | 5,165 |
| Noncurrent loans to loans | 1.9608% | 3,714 |
| Net loans and leases to total assets | 42.5364% | 7,220 |
| Net loans and leases to deposits | 56.2251% | 6,904 |
| Net loans and leases to core deposits | 79.6568% | 6,133 |
| Total domestic deposits to total assets | 75.6538% | 6,747 |
| Equity capital to assets | 19.8889% | 303 |
| Core capital (leverage) ratio | 18.9359% | 339 |
| Tier 1 risk-based capital ratio | 45.3789% | 190 |
| Total risk-based capital ratio | 46.6820% | 187 |
| Memoranda: | ||
| Average total assets | $42,803,200 | 6,998 |
| Average earning assets | $40,563,400 | 6,925 |
| Average equity | $8,914,000 | 5,629 |
| Average total loans | $17,832,000 | 7,321 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9663% | 84 |
| Cost of funding earning assets | 1.2170% | 6,846 |
| Net interest margin | 6.7493% | 61 |
| Noninterest income to average assets | 0.2841% | 6,199 |
| Noninterest expense to average assets | 2.5197% | 6,011 |
| Loan and lease loss provision to assets | 0.0125% | 7,209 |
| Net operating income to assets | 4.1590% | 36 |
| Return on assets (ROA) | 4.3151% | 35 |
| Pretax return on assets | 4.3151% | 44 |
| Return on Equity (ROE) | 20.4872% | 285 |
| Retained earnings to average equity (ytd only) | 14.5723% | 172 |
| Net charge-offs to loans | 0.0306% | 6,464 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 334.2008% | 111 |
| Efficiency ratio | 37.6575% | 7,954 |
| Assets per employee ($millions) | 3.0834% | 5,948 |
| Cash dividends to net income (ytd only)* | 28.8714% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5130% | 62 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 4,959 |
| Noncurrent loans to loans | 2.7680% | 2,744 |
| Net loans and leases to total assets | 35.8098% | 7,627 |
| Net loans and leases to deposits | 47.8212% | 7,502 |
| Net loans and leases to core deposits | 69.2259% | 7,003 |
| Total domestic deposits to total assets | 74.8827% | 6,789 |
| Equity capital to assets | 23.7027% | 201 |
| Core capital (leverage) ratio | 20.8995% | 267 |
| Tier 1 risk-based capital ratio | 58.2535% | 125 |
| Total risk-based capital ratio | 59.5728% | 123 |
| Memoranda: | ||
| Average total assets | $42,701,500 | 7,052 |
| Average earning assets | $40,536,500 | 6,976 |
| Average equity | $8,994,000 | 5,665 |
| Average total loans | $17,445,000 | 7,398 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3597% | 67 |
| Cost of funding earning assets | 1.2530% | 6,949 |
| Net interest margin | 7.1067% | 49 |
| Noninterest income to average assets | 0.2662% | 6,369 |
| Noninterest expense to average assets | 2.4556% | 6,280 |
| Loan and lease loss provision to assets | 0.0138% | 7,081 |
| Net operating income to assets | 4.5394% | 29 |
| Return on assets (ROA) | 4.7230% | 28 |
| Pretax return on assets | 4.7230% | 42 |
| Return on Equity (ROE) | 23.3201% | 184 |
| Retained earnings to average equity (ytd only) | 23.3201% | 53 |
| Net charge-offs to loans | 0.0331% | 5,996 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 330.6667% | 113 |
| Efficiency ratio | 35.0360% | 8,074 |
| Assets per employee ($millions) | 3.2460% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6951% | 88 |
| Loan loss allowance to noncurrent loans | 202.8398% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 4,606 |
| Noncurrent loans to loans | 2.8077% | 2,566 |
| Net loans and leases to total assets | 39.2412% | 7,580 |
| Net loans and leases to deposits | 55.8595% | 7,175 |
| Net loans and leases to core deposits | 79.0896% | 6,480 |
| Total domestic deposits to total assets | 70.2498% | 7,444 |
| Equity capital to assets | 22.0034% | 284 |
| Core capital (leverage) ratio | 20.3984% | 338 |
| Tier 1 risk-based capital ratio | 52.3810% | 165 |
| Total risk-based capital ratio | 53.6867% | 162 |
| Memoranda: | ||
| Average total assets | $43,574,000 | 7,073 |
| Average earning assets | $41,341,000 | 6,995 |
| Average equity | $8,825,000 | 5,742 |
| Average total loans | $18,142,000 | 7,436 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8355% | 57 |
| Cost of funding earning assets | 1.3454% | 6,887 |
| Net interest margin | 7.4901% | 45 |
| Noninterest income to average assets | 0.2440% | 6,506 |
| Noninterest expense to average assets | 2.4942% | 5,861 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 4.8439% | 26 |
| Return on assets (ROA) | 4.7987% | 31 |
| Pretax return on assets | 4.7987% | 45 |
| Return on Equity (ROE) | 24.7120% | 201 |
| Retained earnings to average equity (ytd only) | 24.7120% | 89 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9901% | 8,125 |
| Assets per employee ($millions) | 3.4598% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0961% | 102 |
| Loan loss allowance to noncurrent loans | 193.7984% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 1.1472% | 4,380 |
| Noncurrent loans to loans | 2.6296% | 2,503 |
| Net loans and leases to total assets | 41.4047% | 7,503 |
| Net loans and leases to deposits | 60.5252% | 6,852 |
| Net loans and leases to core deposits | 85.9669% | 5,903 |
| Total domestic deposits to total assets | 68.4090% | 7,563 |
| Equity capital to assets | 19.6763% | 436 |
| Core capital (leverage) ratio | 18.5218% | 497 |
| Tier 1 risk-based capital ratio | 44.3721% | 258 |
| Total risk-based capital ratio | 45.6742% | 253 |
| Memoranda: | ||
| Average total assets | $44,262,000 | 7,096 |
| Average earning assets | $41,922,000 | 7,024 |
| Average equity | $8,595,000 | 5,849 |
| Average total loans | $18,433,500 | 7,464 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8498% | 227 |
| Cost of funding earning assets | 2.0355% | 6,297 |
| Net interest margin | 5.8143% | 130 |
| Noninterest income to average assets | 0.2911% | 6,382 |
| Noninterest expense to average assets | 3.1537% | 3,501 |
| Loan and lease loss provision to assets | 0.0685% | 6,535 |
| Net operating income to assets | 2.5689% | 113 |
| Return on assets (ROA) | 2.6350% | 100 |
| Pretax return on assets | 2.6350% | 150 |
| Return on Equity (ROE) | 13.1560% | 1,294 |
| Retained earnings to average equity (ytd only) | 3.1149% | 3,215 |
| Net charge-offs to loans | 0.1994% | 4,199 |
| Credit loss provision to net charge-offs | 87.5000% | 5,734 |
| Earnings coverage of net charge-offs (x) | 33.6875% | 1,078 |
| Efficiency ratio | 54.4571% | 7,221 |
| Assets per employee ($millions) | 3.3497% | 5,092 |
| Cash dividends to net income (ytd only)* | 76.3231% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7991% | 66 |
| Loan loss allowance to noncurrent loans | 310.5590% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7394% | 5,006 |
| Noncurrent loans to loans | 1.8673% | 2,955 |
| Net loans and leases to total assets | 37.3031% | 7,788 |
| Net loans and leases to deposits | 52.0641% | 7,532 |
| Net loans and leases to core deposits | 73.4458% | 6,998 |
| Total domestic deposits to total assets | 71.6484% | 7,068 |
| Equity capital to assets | 19.1522% | 531 |
| Core capital (leverage) ratio | 18.5027% | 556 |
| Tier 1 risk-based capital ratio | 40.3662% | 336 |
| Total risk-based capital ratio | 41.6636% | 323 |
| Memoranda: | ||
| Average total assets | $40,873,200 | 7,178 |
| Average earning assets | $38,663,600 | 7,104 |
| Average equity | $8,186,400 | 6,007 |
| Average total loans | $16,045,800 | 7,586 |