Home > The First National Bank > Performance and Condition Ratios
The First National Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2529% | 3,556 |
| Cost of funding earning assets | 0.5080% | 1,152 |
| Net interest margin | 2.7449% | 3,888 |
| Noninterest income to average assets | 1.0017% | 1,066 |
| Noninterest expense to average assets | 2.5224% | 2,073 |
| Loan and lease loss provision to assets | 0.0190% | 2,579 |
| Net operating income to assets | 0.9010% | 3,215 |
| Return on assets (ROA) | 0.9010% | 3,296 |
| Pretax return on assets | 0.9048% | 3,652 |
| Return on Equity (ROE) | 10.1804% | 2,686 |
| Retained earnings to average equity (ytd only) | 5.8419% | 2,872 |
| Net charge-offs to loans | -0.0039% | 3,354 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1936% | 1,319 |
| Assets per employee ($millions) | 5.9701% | 2,647 |
| Cash dividends to net income (ytd only)* | 42.6160% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,638 |
| Loan loss allowance to noncurrent loans | 72.3529% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 936 |
| Noncurrent loans to loans | 1.7419% | 602 |
| Net loans and leases to total assets | 47.4732% | 3,783 |
| Net loans and leases to deposits | 55.3315% | 3,764 |
| Net loans and leases to core deposits | 57.8091% | 3,769 |
| Total domestic deposits to total assets | 85.7978% | 2,802 |
| Equity capital to assets | 9.2589% | 3,552 |
| Core capital (leverage) ratio | 8.2460% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6872% | 2,094 |
| Memoranda: | ||
| Average total assets | $105,216,333 | 4,009 |
| Average earning assets | $93,701,000 | 4,049 |
| Average equity | $9,312,000 | 4,286 |
| Average total loans | $50,832,333 | 4,063 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2398% | 3,608 |
| Cost of funding earning assets | 0.4969% | 1,411 |
| Net interest margin | 2.7430% | 3,879 |
| Noninterest income to average assets | 0.8816% | 1,377 |
| Noninterest expense to average assets | 2.4954% | 2,188 |
| Loan and lease loss provision to assets | 0.0299% | 2,391 |
| Net operating income to assets | 0.8442% | 3,290 |
| Return on assets (ROA) | 0.8442% | 3,369 |
| Pretax return on assets | 0.8517% | 3,719 |
| Return on Equity (ROE) | 9.7524% | 2,772 |
| Retained earnings to average equity (ytd only) | 4.0563% | 3,481 |
| Net charge-offs to loans | -0.0077% | 3,560 |
| Credit loss provision to net charge-offs | -800.0000% | 3,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8938% | 1,322 |
| Assets per employee ($millions) | 6.0553% | 2,548 |
| Cash dividends to net income (ytd only)* | 58.4071% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,862 |
| Loan loss allowance to noncurrent loans | 70.5882% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 1,131 |
| Noncurrent loans to loans | 1.7199% | 702 |
| Net loans and leases to total assets | 45.6888% | 3,985 |
| Net loans and leases to deposits | 55.3808% | 3,836 |
| Net loans and leases to core deposits | 59.0946% | 3,764 |
| Total domestic deposits to total assets | 82.4994% | 3,798 |
| Equity capital to assets | 8.4315% | 4,173 |
| Core capital (leverage) ratio | 7.9927% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1644% | 2,225 |
| Memoranda: | ||
| Average total assets | $107,079,000 | 3,999 |
| Average earning assets | $97,412,000 | 4,007 |
| Average equity | $9,269,500 | 4,301 |
| Average total loans | $51,850,500 | 4,055 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 3,055 |
| Cost of funding earning assets | 0.7711% | 1,339 |
| Net interest margin | 3.1188% | 3,586 |
| Noninterest income to average assets | 0.9345% | 1,187 |
| Noninterest expense to average assets | 2.9718% | 1,502 |
| Loan and lease loss provision to assets | 0.0544% | 3,693 |
| Net operating income to assets | 0.5972% | 3,766 |
| Return on assets (ROA) | 0.6134% | 3,828 |
| Pretax return on assets | 0.6175% | 4,044 |
| Return on Equity (ROE) | 6.7342% | 3,308 |
| Retained earnings to average equity (ytd only) | 2.9955% | 3,359 |
| Net charge-offs to loans | 0.2130% | 816 |
| Credit loss provision to net charge-offs | 45.6897% | 3,166 |
| Earnings coverage of net charge-offs (x) | 5.5086% | 2,858 |
| Efficiency ratio | 81.9287% | 751 |
| Assets per employee ($millions) | 5.5348% | 2,809 |
| Cash dividends to net income (ytd only)* | 55.5184% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,293 |
| Loan loss allowance to noncurrent loans | 68.2486% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 1,189 |
| Noncurrent loans to loans | 1.6607% | 783 |
| Net loans and leases to total assets | 50.0998% | 3,818 |
| Net loans and leases to deposits | 60.0876% | 3,755 |
| Net loans and leases to core deposits | 64.2254% | 3,674 |
| Total domestic deposits to total assets | 83.3780% | 3,300 |
| Equity capital to assets | 8.8901% | 4,156 |
| Core capital (leverage) ratio | 8.0320% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5863% | 2,407 |
| Memoranda: | ||
| Average total assets | $97,483,600 | 4,033 |
| Average earning assets | $84,167,600 | 4,096 |
| Average equity | $8,880,000 | 4,333 |
| Average total loans | $54,447,600 | 4,012 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 3,097 |
| Cost of funding earning assets | 0.8340% | 1,342 |
| Net interest margin | 3.1213% | 3,686 |
| Noninterest income to average assets | 0.9599% | 1,099 |
| Noninterest expense to average assets | 3.0234% | 1,392 |
| Loan and lease loss provision to assets | 0.0534% | 3,680 |
| Net operating income to assets | 0.5360% | 3,942 |
| Return on assets (ROA) | 0.5581% | 3,976 |
| Pretax return on assets | 0.5637% | 4,167 |
| Return on Equity (ROE) | 6.0862% | 3,526 |
| Retained earnings to average equity (ytd only) | 1.3390% | 4,136 |
| Net charge-offs to loans | 0.1535% | 954 |
| Credit loss provision to net charge-offs | 60.3175% | 2,851 |
| Earnings coverage of net charge-offs (x) | 6.7619% | 2,630 |
| Efficiency ratio | 83.5712% | 636 |
| Assets per employee ($millions) | 4.6168% | 3,704 |
| Cash dividends to net income (ytd only)* | 78.0000% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,994 |
| Loan loss allowance to noncurrent loans | 82.8387% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 1,515 |
| Noncurrent loans to loans | 1.3733% | 1,060 |
| Net loans and leases to total assets | 54.9311% | 3,717 |
| Net loans and leases to deposits | 66.4028% | 3,585 |
| Net loans and leases to core deposits | 71.8667% | 3,483 |
| Total domestic deposits to total assets | 82.7241% | 3,213 |
| Equity capital to assets | 9.0303% | 4,097 |
| Core capital (leverage) ratio | 8.1218% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1536% | 2,561 |
| Memoranda: | ||
| Average total assets | $95,564,000 | 4,052 |
| Average earning assets | $81,374,750 | 4,148 |
| Average equity | $8,762,750 | 4,359 |
| Average total loans | $54,737,000 | 4,029 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 3,333 |
| Cost of funding earning assets | 0.8849% | 1,441 |
| Net interest margin | 3.1120% | 3,875 |
| Noninterest income to average assets | 0.9919% | 1,004 |
| Noninterest expense to average assets | 3.1060% | 1,342 |
| Loan and lease loss provision to assets | 0.0492% | 3,687 |
| Net operating income to assets | 0.5130% | 3,979 |
| Return on assets (ROA) | 0.5472% | 3,972 |
| Pretax return on assets | 0.5472% | 4,167 |
| Return on Equity (ROE) | 5.9353% | 3,531 |
| Retained earnings to average equity (ytd only) | 0.3246% | 4,240 |
| Net charge-offs to loans | 0.2363% | 667 |
| Credit loss provision to net charge-offs | 35.9375% | 2,687 |
| Earnings coverage of net charge-offs (x) | 4.1094% | 2,625 |
| Efficiency ratio | 84.6737% | 603 |
| Assets per employee ($millions) | 4.9961% | 3,176 |
| Cash dividends to net income (ytd only)* | 94.5313% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 2,936 |
| Loan loss allowance to noncurrent loans | 77.0936% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 1,527 |
| Noncurrent loans to loans | 1.4517% | 1,052 |
| Net loans and leases to total assets | 55.3537% | 3,743 |
| Net loans and leases to deposits | 66.5784% | 3,673 |
| Net loans and leases to core deposits | 71.7846% | 3,603 |
| Total domestic deposits to total assets | 83.1407% | 3,049 |
| Equity capital to assets | 9.0411% | 4,057 |
| Core capital (leverage) ratio | 8.5225% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,562,333 | 4,073 |
| Average earning assets | $80,463,333 | 4,161 |
| Average equity | $8,626,333 | 4,387 |
| Average total loans | $54,171,000 | 4,054 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 3,574 |
| Cost of funding earning assets | 0.9447% | 1,667 |
| Net interest margin | 3.1373% | 4,017 |
| Noninterest income to average assets | 1.0577% | 764 |
| Noninterest expense to average assets | 3.2307% | 1,365 |
| Loan and lease loss provision to assets | 0.0575% | 3,043 |
| Net operating income to assets | 0.5178% | 3,849 |
| Return on assets (ROA) | 0.5798% | 3,721 |
| Pretax return on assets | 0.5798% | 3,951 |
| Return on Equity (ROE) | 6.2214% | 3,231 |
| Retained earnings to average equity (ytd only) | 0.5224% | 3,867 |
| Net charge-offs to loans | 0.0150% | 2,069 |
| Credit loss provision to net charge-offs | 650.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 766 |
| Efficiency ratio | 84.8837% | 775 |
| Assets per employee ($millions) | 3.8863% | 4,070 |
| Cash dividends to net income (ytd only)* | 91.6031% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,083 |
| Loan loss allowance to noncurrent loans | 68.0040% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.1154% | 1,159 |
| Noncurrent loans to loans | 1.9306% | 752 |
| Net loans and leases to total assets | 57.0158% | 3,753 |
| Net loans and leases to deposits | 66.3676% | 3,843 |
| Net loans and leases to core deposits | 70.7977% | 3,828 |
| Total domestic deposits to total assets | 85.9091% | 2,032 |
| Equity capital to assets | 9.4156% | 4,303 |
| Core capital (leverage) ratio | 9.0554% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,383,000 | 4,116 |
| Average earning assets | $79,176,000 | 4,185 |
| Average equity | $8,422,500 | 4,438 |
| Average total loans | $53,288,500 | 4,085 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 3,769 |
| Cost of funding earning assets | 0.9800% | 1,812 |
| Net interest margin | 3.2365% | 4,117 |
| Noninterest income to average assets | 1.0219% | 930 |
| Noninterest expense to average assets | 3.0908% | 1,786 |
| Loan and lease loss provision to assets | 0.2057% | 981 |
| Net operating income to assets | 0.5726% | 4,241 |
| Return on assets (ROA) | 0.5823% | 4,269 |
| Pretax return on assets | 0.5855% | 4,433 |
| Return on Equity (ROE) | 6.6857% | 3,665 |
| Retained earnings to average equity (ytd only) | 2.7992% | 3,638 |
| Net charge-offs to loans | 0.1066% | 1,661 |
| Credit loss provision to net charge-offs | 325.8621% | 854 |
| Earnings coverage of net charge-offs (x) | 12.3793% | 2,419 |
| Efficiency ratio | 79.8201% | 961 |
| Assets per employee ($millions) | 4.5691% | 3,125 |
| Cash dividends to net income (ytd only)* | 58.1308% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,351 |
| Loan loss allowance to noncurrent loans | 73.6203% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9914% | 1,258 |
| Noncurrent loans to loans | 1.6492% | 841 |
| Net loans and leases to total assets | 59.3870% | 3,642 |
| Net loans and leases to deposits | 69.8686% | 3,685 |
| Net loans and leases to core deposits | 75.5215% | 3,611 |
| Total domestic deposits to total assets | 84.9981% | 2,495 |
| Equity capital to assets | 9.2239% | 4,551 |
| Core capital (leverage) ratio | 8.8925% | 4,606 |
| Tier 1 risk-based capital ratio | 11.9989% | 4,365 |
| Total risk-based capital ratio | 12.9787% | 4,387 |
| Memoranda: | ||
| Average total assets | $91,884,600 | 4,113 |
| Average earning assets | $80,919,800 | 4,169 |
| Average equity | $8,002,200 | 4,508 |
| Average total loans | $54,392,400 | 4,093 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 3,912 |
| Cost of funding earning assets | 0.9767% | 1,863 |
| Net interest margin | 3.2259% | 4,242 |
| Noninterest income to average assets | 0.9970% | 941 |
| Noninterest expense to average assets | 3.1836% | 1,496 |
| Loan and lease loss provision to assets | 0.2521% | 644 |
| Net operating income to assets | 0.4001% | 4,724 |
| Return on assets (ROA) | 0.4130% | 4,723 |
| Pretax return on assets | 0.4173% | 4,790 |
| Return on Equity (ROE) | 4.8127% | 4,377 |
| Retained earnings to average equity (ytd only) | 0.2026% | 4,726 |
| Net charge-offs to loans | 0.1425% | 1,139 |
| Credit loss provision to net charge-offs | 300.0000% | 946 |
| Earnings coverage of net charge-offs (x) | 7.8104% | 2,711 |
| Efficiency ratio | 82.9057% | 694 |
| Assets per employee ($millions) | 4.1855% | 3,639 |
| Cash dividends to net income (ytd only)* | 95.7894% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 2,615 |
| Loan loss allowance to noncurrent loans | 76.1682% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9296% | 1,453 |
| Noncurrent loans to loans | 1.5494% | 960 |
| Net loans and leases to total assets | 59.2897% | 3,739 |
| Net loans and leases to deposits | 68.5966% | 3,877 |
| Net loans and leases to core deposits | 74.4883% | 3,799 |
| Total domestic deposits to total assets | 86.4325% | 1,806 |
| Equity capital to assets | 8.9650% | 4,801 |
| Core capital (leverage) ratio | 8.6835% | 4,850 |
| Tier 1 risk-based capital ratio | 11.4472% | 4,693 |
| Total risk-based capital ratio | 12.3857% | 4,733 |
| Memoranda: | ||
| Average total assets | $92,010,250 | 4,162 |
| Average earning assets | $81,091,000 | 4,219 |
| Average equity | $7,895,500 | 4,572 |
| Average total loans | $54,256,500 | 4,144 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 3,987 |
| Cost of funding earning assets | 0.9717% | 1,819 |
| Net interest margin | 3.2012% | 4,369 |
| Noninterest income to average assets | 1.0067% | 865 |
| Noninterest expense to average assets | 3.1765% | 1,557 |
| Loan and lease loss provision to assets | 0.0326% | 3,182 |
| Net operating income to assets | 0.6133% | 4,273 |
| Return on assets (ROA) | 0.6327% | 4,259 |
| Pretax return on assets | 0.6392% | 4,470 |
| Return on Equity (ROE) | 7.4849% | 3,503 |
| Retained earnings to average equity (ytd only) | 2.2635% | 4,033 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9642% | 732 |
| Assets per employee ($millions) | 4.2227% | 3,542 |
| Cash dividends to net income (ytd only)* | 69.7595% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,669 |
| Loan loss allowance to noncurrent loans | 58.7420% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0097% | 1,384 |
| Noncurrent loans to loans | 1.6892% | 904 |
| Net loans and leases to total assets | 59.1804% | 3,809 |
| Net loans and leases to deposits | 67.9126% | 3,975 |
| Net loans and leases to core deposits | 73.2317% | 3,929 |
| Total domestic deposits to total assets | 87.1419% | 1,523 |
| Equity capital to assets | 8.8602% | 4,871 |
| Core capital (leverage) ratio | 8.5780% | 4,923 |
| Tier 1 risk-based capital ratio | 11.7365% | 4,548 |
| Total risk-based capital ratio | 12.5424% | 4,684 |
| Memoranda: | ||
| Average total assets | $91,987,000 | 4,189 |
| Average earning assets | $81,095,000 | 4,247 |
| Average equity | $7,775,670 | 4,612 |
| Average total loans | $53,926,670 | 4,177 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 4,064 |
| Cost of funding earning assets | 0.9628% | 1,734 |
| Net interest margin | 3.1615% | 4,478 |
| Noninterest income to average assets | 1.1013% | 667 |
| Noninterest expense to average assets | 3.1858% | 1,529 |
| Loan and lease loss provision to assets | 0.0350% | 2,924 |
| Net operating income to assets | 0.6511% | 4,086 |
| Return on assets (ROA) | 0.6511% | 4,119 |
| Pretax return on assets | 0.6643% | 4,388 |
| Return on Equity (ROE) | 7.8961% | 3,313 |
| Retained earnings to average equity (ytd only) | 2.7557% | 3,834 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0022% | 873 |
| Assets per employee ($millions) | 4.2116% | 3,609 |
| Cash dividends to net income (ytd only)* | 65.1007% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,552 |
| Loan loss allowance to noncurrent loans | 61.3559% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 1,470 |
| Noncurrent loans to loans | 1.6717% | 930 |
| Net loans and leases to total assets | 56.5500% | 4,021 |
| Net loans and leases to deposits | 65.7213% | 4,076 |
| Net loans and leases to core deposits | 71.4245% | 3,986 |
| Total domestic deposits to total assets | 86.0452% | 2,264 |
| Equity capital to assets | 8.3470% | 5,066 |
| Core capital (leverage) ratio | 8.7623% | 4,821 |
| Tier 1 risk-based capital ratio | 11.8163% | 4,558 |
| Total risk-based capital ratio | 12.6199% | 4,709 |
| Memoranda: | ||
| Average total assets | $91,531,000 | 4,237 |
| Average earning assets | $80,595,500 | 4,296 |
| Average equity | $7,548,000 | 4,675 |
| Average total loans | $53,125,500 | 4,240 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0286% | 3,947 |
| Cost of funding earning assets | 0.7078% | 2,042 |
| Net interest margin | 3.3208% | 4,203 |
| Noninterest income to average assets | 0.9715% | 1,005 |
| Noninterest expense to average assets | 3.3327% | 1,256 |
| Loan and lease loss provision to assets | 0.0335% | 3,524 |
| Net operating income to assets | 0.4996% | 4,661 |
| Return on assets (ROA) | 0.4963% | 4,673 |
| Pretax return on assets | 0.5008% | 4,796 |
| Return on Equity (ROE) | 6.2750% | 4,076 |
| Retained earnings to average equity (ytd only) | 0.8602% | 4,756 |
| Net charge-offs to loans | 0.0057% | 3,502 |
| Credit loss provision to net charge-offs | 1,000.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 160.6667% | 535 |
| Efficiency ratio | 86.1095% | 518 |
| Assets per employee ($millions) | 3.9307% | 3,994 |
| Cash dividends to net income (ytd only)* | 86.2921% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 3,652 |
| Loan loss allowance to noncurrent loans | 59.6882% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9933% | 1,380 |
| Noncurrent loans to loans | 1.6845% | 864 |
| Net loans and leases to total assets | 58.3756% | 3,923 |
| Net loans and leases to deposits | 67.8892% | 3,982 |
| Net loans and leases to core deposits | 73.7297% | 3,874 |
| Total domestic deposits to total assets | 85.9865% | 2,235 |
| Equity capital to assets | 8.1433% | 5,112 |
| Core capital (leverage) ratio | 8.8548% | 4,766 |
| Tier 1 risk-based capital ratio | 11.9501% | 4,455 |
| Total risk-based capital ratio | 12.7579% | 4,623 |
| Memoranda: | ||
| Average total assets | $89,657,200 | 4,276 |
| Average earning assets | $78,265,400 | 4,341 |
| Average equity | $7,091,600 | 4,730 |
| Average total loans | $52,389,000 | 4,253 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 4,027 |
| Cost of funding earning assets | 0.6705% | 2,030 |
| Net interest margin | 3.2978% | 4,282 |
| Noninterest income to average assets | 0.9955% | 968 |
| Noninterest expense to average assets | 3.3828% | 1,144 |
| Loan and lease loss provision to assets | 0.0343% | 3,327 |
| Net operating income to assets | 0.4455% | 4,865 |
| Return on assets (ROA) | 0.4411% | 4,879 |
| Pretax return on assets | 0.4471% | 4,971 |
| Return on Equity (ROE) | 5.6187% | 4,377 |
| Retained earnings to average equity (ytd only) | -1.2338% | 5,148 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4422% | 434 |
| Assets per employee ($millions) | 3.9411% | 3,983 |
| Cash dividends to net income (ytd only)* | 121.9581% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,702 |
| Loan loss allowance to noncurrent loans | 56.4157% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 1,395 |
| Noncurrent loans to loans | 1.7885% | 858 |
| Net loans and leases to total assets | 57.5789% | 4,084 |
| Net loans and leases to deposits | 64.9546% | 4,277 |
| Net loans and leases to core deposits | 71.5924% | 4,102 |
| Total domestic deposits to total assets | 88.6448% | 979 |
| Equity capital to assets | 7.5833% | 5,291 |
| Core capital (leverage) ratio | 8.6677% | 4,983 |
| Tier 1 risk-based capital ratio | 12.0042% | 4,500 |
| Total risk-based capital ratio | 12.8230% | 4,637 |
| Memoranda: | ||
| Average total assets | $89,470,000 | 4,317 |
| Average earning assets | $77,949,750 | 4,396 |
| Average equity | $7,024,000 | 4,791 |
| Average total loans | $52,158,500 | 4,305 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9270% | 4,004 |
| Cost of funding earning assets | 0.6312% | 2,039 |
| Net interest margin | 3.2958% | 4,259 |
| Noninterest income to average assets | 1.0328% | 905 |
| Noninterest expense to average assets | 3.4307% | 1,098 |
| Loan and lease loss provision to assets | 0.0337% | 3,243 |
| Net operating income to assets | 0.4197% | 4,920 |
| Return on assets (ROA) | 0.4131% | 4,937 |
| Pretax return on assets | 0.4221% | 5,022 |
| Return on Equity (ROE) | 5.2021% | 4,495 |
| Retained earnings to average equity (ytd only) | -3.3079% | 5,228 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1200% | 458 |
| Assets per employee ($millions) | 3.6313% | 4,423 |
| Cash dividends to net income (ytd only)* | 163.5870% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,658 |
| Loan loss allowance to noncurrent loans | 51.6256% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.1647% | 1,244 |
| Noncurrent loans to loans | 1.9919% | 758 |
| Net loans and leases to total assets | 57.8692% | 4,000 |
| Net loans and leases to deposits | 65.3565% | 4,201 |
| Net loans and leases to core deposits | 68.6117% | 4,221 |
| Total domestic deposits to total assets | 88.5439% | 1,129 |
| Equity capital to assets | 7.8910% | 5,264 |
| Core capital (leverage) ratio | 8.9025% | 4,786 |
| Tier 1 risk-based capital ratio | 12.1462% | 4,405 |
| Total risk-based capital ratio | 12.9679% | 4,551 |
| Memoranda: | ||
| Average total assets | $89,078,000 | 4,365 |
| Average earning assets | $77,311,330 | 4,450 |
| Average equity | $7,074,000 | 4,833 |
| Average total loans | $51,969,670 | 4,347 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 3,758 |
| Cost of funding earning assets | 0.6152% | 1,944 |
| Net interest margin | 3.3451% | 4,066 |
| Noninterest income to average assets | 0.9684% | 984 |
| Noninterest expense to average assets | 3.4873% | 1,026 |
| Loan and lease loss provision to assets | 0.0355% | 3,029 |
| Net operating income to assets | 0.3013% | 5,093 |
| Return on assets (ROA) | 0.2888% | 5,117 |
| Pretax return on assets | 0.3065% | 5,162 |
| Return on Equity (ROE) | 3.6250% | 4,864 |
| Retained earnings to average equity (ytd only) | -7.1941% | 5,288 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7514% | 411 |
| Assets per employee ($millions) | 3.6880% | 4,429 |
| Cash dividends to net income (ytd only)* | 298.4615% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,940 |
| Loan loss allowance to noncurrent loans | 48.9583% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 1,281 |
| Noncurrent loans to loans | 2.0477% | 769 |
| Net loans and leases to total assets | 57.6810% | 3,972 |
| Net loans and leases to deposits | 65.5859% | 4,117 |
| Net loans and leases to core deposits | 68.6108% | 4,183 |
| Total domestic deposits to total assets | 87.9473% | 1,648 |
| Equity capital to assets | 7.7900% | 5,335 |
| Core capital (leverage) ratio | 8.7272% | 4,966 |
| Tier 1 risk-based capital ratio | 11.9182% | 4,593 |
| Total risk-based capital ratio | 12.7152% | 4,774 |
| Memoranda: | ||
| Average total assets | $90,042,000 | 4,396 |
| Average earning assets | $77,367,500 | 4,502 |
| Average equity | $7,172,500 | 4,874 |
| Average total loans | $52,476,000 | 4,380 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 3,505 |
| Cost of funding earning assets | 0.5810% | 1,732 |
| Net interest margin | 3.3899% | 3,882 |
| Noninterest income to average assets | 0.9751% | 1,081 |
| Noninterest expense to average assets | 3.4270% | 1,162 |
| Loan and lease loss provision to assets | 0.0338% | 3,587 |
| Net operating income to assets | 0.4205% | 4,622 |
| Return on assets (ROA) | 0.4577% | 4,528 |
| Pretax return on assets | 0.4588% | 4,996 |
| Return on Equity (ROE) | 5.4516% | 3,986 |
| Retained earnings to average equity (ytd only) | 1.7590% | 4,267 |
| Net charge-offs to loans | 0.0039% | 3,960 |
| Credit loss provision to net charge-offs | 1,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 396 |
| Efficiency ratio | 88.2695% | 517 |
| Assets per employee ($millions) | 3.6629% | 4,491 |
| Cash dividends to net income (ytd only)* | 67.7340% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,191 |
| Loan loss allowance to noncurrent loans | 51.9918% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0691% | 1,426 |
| Noncurrent loans to loans | 1.8340% | 866 |
| Net loans and leases to total assets | 57.7375% | 4,028 |
| Net loans and leases to deposits | 65.3192% | 4,236 |
| Net loans and leases to core deposits | 68.1630% | 4,281 |
| Total domestic deposits to total assets | 88.3929% | 1,301 |
| Equity capital to assets | 8.1356% | 5,335 |
| Core capital (leverage) ratio | 8.5980% | 5,042 |
| Tier 1 risk-based capital ratio | 11.8892% | 4,602 |
| Total risk-based capital ratio | 12.6583% | 4,792 |
| Memoranda: | ||
| Average total assets | $88,708,200 | 4,449 |
| Average earning assets | $76,078,600 | 4,537 |
| Average equity | $7,447,400 | 4,873 |
| Average total loans | $51,123,000 | 4,428 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 3,485 |
| Cost of funding earning assets | 0.5727% | 1,723 |
| Net interest margin | 3.3883% | 3,891 |
| Noninterest income to average assets | 0.9652% | 1,103 |
| Noninterest expense to average assets | 3.4199% | 1,120 |
| Loan and lease loss provision to assets | 0.0349% | 3,420 |
| Net operating income to assets | 0.4137% | 4,971 |
| Return on assets (ROA) | 0.4622% | 4,873 |
| Pretax return on assets | 0.4637% | 5,093 |
| Return on Equity (ROE) | 5.4609% | 4,339 |
| Retained earnings to average equity (ytd only) | 1.3070% | 4,884 |
| Net charge-offs to loans | -0.0105% | 4,649 |
| Credit loss provision to net charge-offs | -575.0000% | 4,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3712% | 488 |
| Assets per employee ($millions) | 3.4982% | 4,740 |
| Cash dividends to net income (ytd only)* | 76.0660% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 4,220 |
| Loan loss allowance to noncurrent loans | 50.7493% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.1006% | 1,511 |
| Noncurrent loans to loans | 1.9174% | 904 |
| Net loans and leases to total assets | 56.8392% | 4,165 |
| Net loans and leases to deposits | 64.2271% | 4,361 |
| Net loans and leases to core deposits | 67.0336% | 4,418 |
| Total domestic deposits to total assets | 88.4974% | 1,124 |
| Equity capital to assets | 8.3604% | 5,365 |
| Core capital (leverage) ratio | 8.7303% | 5,026 |
| Tier 1 risk-based capital ratio | 11.8679% | 4,717 |
| Total risk-based capital ratio | 12.6400% | 4,909 |
| Memoranda: | ||
| Average total assets | $87,992,000 | 4,506 |
| Average earning assets | $75,434,500 | 4,595 |
| Average equity | $7,446,750 | 4,915 |
| Average total loans | $50,558,500 | 4,490 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 3,442 |
| Cost of funding earning assets | 0.5614% | 1,703 |
| Net interest margin | 3.3710% | 3,874 |
| Noninterest income to average assets | 0.9884% | 1,045 |
| Noninterest expense to average assets | 3.4619% | 1,061 |
| Loan and lease loss provision to assets | 0.0345% | 3,304 |
| Net operating income to assets | 0.3891% | 5,000 |
| Return on assets (ROA) | 0.4483% | 4,880 |
| Pretax return on assets | 0.4505% | 5,085 |
| Return on Equity (ROE) | 5.2743% | 4,362 |
| Retained earnings to average equity (ytd only) | 0.5951% | 4,955 |
| Net charge-offs to loans | -0.0160% | 4,688 |
| Credit loss provision to net charge-offs | -375.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0597% | 500 |
| Assets per employee ($millions) | 3.4452% | 4,804 |
| Cash dividends to net income (ytd only)* | 88.7179% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 4,317 |
| Loan loss allowance to noncurrent loans | 471.6981% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 4,726 |
| Noncurrent loans to loans | 0.2059% | 4,298 |
| Net loans and leases to total assets | 56.9172% | 4,132 |
| Net loans and leases to deposits | 64.4384% | 4,345 |
| Net loans and leases to core deposits | 67.3007% | 4,398 |
| Total domestic deposits to total assets | 88.3281% | 1,289 |
| Equity capital to assets | 8.5170% | 5,294 |
| Core capital (leverage) ratio | 8.9532% | 4,773 |
| Tier 1 risk-based capital ratio | 11.8582% | 4,724 |
| Total risk-based capital ratio | 12.6227% | 4,931 |
| Memoranda: | ||
| Average total assets | $87,005,000 | 4,542 |
| Average earning assets | $74,815,330 | 4,641 |
| Average equity | $7,394,330 | 4,947 |
| Average total loans | $50,009,670 | 4,530 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 3,536 |
| Cost of funding earning assets | 0.5535% | 1,692 |
| Net interest margin | 3.3103% | 3,975 |
| Noninterest income to average assets | 1.0173% | 969 |
| Noninterest expense to average assets | 3.4671% | 1,090 |
| Loan and lease loss provision to assets | 0.0373% | 3,053 |
| Net operating income to assets | 0.3832% | 4,998 |
| Return on assets (ROA) | 0.4386% | 4,843 |
| Pretax return on assets | 0.4433% | 5,071 |
| Return on Equity (ROE) | 5.1670% | 4,314 |
| Retained earnings to average equity (ytd only) | 0.4947% | 4,806 |
| Net charge-offs to loans | -0.0649% | 5,295 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0887% | 603 |
| Assets per employee ($millions) | 3.4549% | 4,852 |
| Cash dividends to net income (ytd only)* | 90.4255% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 4,214 |
| Loan loss allowance to noncurrent loans | 828.3333% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 4,252 |
| Noncurrent loans to loans | 0.1220% | 4,699 |
| Net loans and leases to total assets | 56.3609% | 4,132 |
| Net loans and leases to deposits | 63.9332% | 4,317 |
| Net loans and leases to core deposits | 66.1467% | 4,417 |
| Total domestic deposits to total assets | 88.1559% | 1,616 |
| Equity capital to assets | 8.4865% | 5,251 |
| Core capital (leverage) ratio | 9.0896% | 4,632 |
| Tier 1 risk-based capital ratio | 12.5083% | 4,385 |
| Total risk-based capital ratio | 13.3116% | 4,569 |
| Memoranda: | ||
| Average total assets | $85,720,500 | 4,613 |
| Average earning assets | $74,434,000 | 4,693 |
| Average equity | $7,277,000 | 5,012 |
| Average total loans | $49,273,000 | 4,584 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 3,621 |
| Cost of funding earning assets | 0.5767% | 1,507 |
| Net interest margin | 3.3101% | 4,108 |
| Noninterest income to average assets | 0.9295% | 1,324 |
| Noninterest expense to average assets | 3.3917% | 1,378 |
| Loan and lease loss provision to assets | 0.0356% | 3,654 |
| Net operating income to assets | 0.3288% | 5,149 |
| Return on assets (ROA) | 0.4191% | 4,961 |
| Pretax return on assets | 0.4203% | 5,185 |
| Return on Equity (ROE) | 4.5121% | 4,649 |
| Retained earnings to average equity (ytd only) | 0.8692% | 4,975 |
| Net charge-offs to loans | 0.0973% | 2,324 |
| Credit loss provision to net charge-offs | 65.2174% | 3,179 |
| Earnings coverage of net charge-offs (x) | 6.6957% | 3,133 |
| Efficiency ratio | 90.2686% | 537 |
| Assets per employee ($millions) | 3.5445% | 4,689 |
| Cash dividends to net income (ytd only)* | 80.7365% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 4,462 |
| Loan loss allowance to noncurrent loans | 407.6271% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 4,013 |
| Noncurrent loans to loans | 0.2390% | 4,292 |
| Net loans and leases to total assets | 57.4686% | 4,119 |
| Net loans and leases to deposits | 65.6365% | 4,275 |
| Net loans and leases to core deposits | 67.6978% | 4,420 |
| Total domestic deposits to total assets | 87.5560% | 1,847 |
| Equity capital to assets | 8.4919% | 5,276 |
| Core capital (leverage) ratio | 8.9673% | 4,774 |
| Tier 1 risk-based capital ratio | 12.8425% | 4,173 |
| Total risk-based capital ratio | 13.6401% | 4,338 |
| Memoranda: | ||
| Average total assets | $84,234,400 | 4,646 |
| Average earning assets | $71,961,400 | 4,759 |
| Average equity | $7,823,400 | 4,964 |
| Average total loans | $47,289,800 | 4,657 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8872% | 3,631 |
| Cost of funding earning assets | 0.5839% | 1,466 |
| Net interest margin | 3.3033% | 4,175 |
| Noninterest income to average assets | 0.9394% | 1,276 |
| Noninterest expense to average assets | 3.3862% | 1,369 |
| Loan and lease loss provision to assets | 0.0365% | 3,518 |
| Net operating income to assets | 0.3158% | 5,253 |
| Return on assets (ROA) | 0.4221% | 5,044 |
| Pretax return on assets | 0.4237% | 5,265 |
| Return on Equity (ROE) | 4.4481% | 4,740 |
| Retained earnings to average equity (ytd only) | 0.1840% | 5,294 |
| Net charge-offs to loans | 0.1140% | 1,808 |
| Credit loss provision to net charge-offs | 57.5000% | 2,936 |
| Earnings coverage of net charge-offs (x) | 5.5753% | 3,111 |
| Efficiency ratio | 90.5388% | 538 |
| Assets per employee ($millions) | 3.6083% | 4,638 |
| Cash dividends to net income (ytd only)* | 95.8636% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 4,448 |
| Loan loss allowance to noncurrent loans | 366.4122% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 4,000 |
| Noncurrent loans to loans | 0.2715% | 4,289 |
| Net loans and leases to total assets | 55.1699% | 4,388 |
| Net loans and leases to deposits | 64.1022% | 4,481 |
| Net loans and leases to core deposits | 66.1104% | 4,598 |
| Total domestic deposits to total assets | 86.0655% | 2,318 |
| Equity capital to assets | 9.2958% | 4,869 |
| Core capital (leverage) ratio | 9.1350% | 4,678 |
| Tier 1 risk-based capital ratio | 12.9744% | 4,178 |
| Total risk-based capital ratio | 13.7848% | 4,354 |
| Memoranda: | ||
| Average total assets | $84,025,750 | 4,682 |
| Average earning assets | $71,240,750 | 4,811 |
| Average equity | $7,973,250 | 4,987 |
| Average total loans | $46,770,000 | 4,710 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 3,505 |
| Cost of funding earning assets | 0.5888% | 1,412 |
| Net interest margin | 3.3392% | 4,091 |
| Noninterest income to average assets | 0.9306% | 1,291 |
| Noninterest expense to average assets | 3.4292% | 1,318 |
| Loan and lease loss provision to assets | 0.0361% | 3,436 |
| Net operating income to assets | 0.2875% | 5,358 |
| Return on assets (ROA) | 0.4160% | 5,069 |
| Pretax return on assets | 0.4184% | 5,313 |
| Return on Equity (ROE) | 4.3535% | 4,777 |
| Retained earnings to average equity (ytd only) | -0.4278% | 5,356 |
| Net charge-offs to loans | 0.1081% | 1,746 |
| Credit loss provision to net charge-offs | 60.0000% | 2,574 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,862 |
| Efficiency ratio | 91.3517% | 526 |
| Assets per employee ($millions) | 3.5937% | 4,602 |
| Cash dividends to net income (ytd only)* | 109.8266% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 4,076 |
| Loan loss allowance to noncurrent loans | 263.2432% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 3,773 |
| Noncurrent loans to loans | 0.4088% | 3,889 |
| Net loans and leases to total assets | 54.1606% | 4,495 |
| Net loans and leases to deposits | 62.9891% | 4,574 |
| Net loans and leases to core deposits | 64.8205% | 4,693 |
| Total domestic deposits to total assets | 85.9841% | 2,427 |
| Equity capital to assets | 9.7500% | 4,509 |
| Core capital (leverage) ratio | 9.2287% | 4,547 |
| Tier 1 risk-based capital ratio | 13.8937% | 3,667 |
| Total risk-based capital ratio | 14.7776% | 3,793 |
| Memoranda: | ||
| Average total assets | $83,168,330 | 4,738 |
| Average earning assets | $70,316,670 | 4,876 |
| Average equity | $7,947,670 | 5,034 |
| Average total loans | $46,274,670 | 4,760 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 3,332 |
| Cost of funding earning assets | 0.5906% | 1,403 |
| Net interest margin | 3.3789% | 3,943 |
| Noninterest income to average assets | 0.9254% | 1,249 |
| Noninterest expense to average assets | 3.3899% | 1,399 |
| Loan and lease loss provision to assets | 0.0384% | 3,141 |
| Net operating income to assets | 0.3458% | 5,162 |
| Return on assets (ROA) | 0.4076% | 5,049 |
| Pretax return on assets | 0.4123% | 5,284 |
| Return on Equity (ROE) | 4.3082% | 4,777 |
| Retained earnings to average equity (ytd only) | -2.0274% | 5,388 |
| Net charge-offs to loans | 0.2223% | 914 |
| Credit loss provision to net charge-offs | 30.7692% | 2,217 |
| Earnings coverage of net charge-offs (x) | 3.1154% | 2,583 |
| Efficiency ratio | 89.7208% | 688 |
| Assets per employee ($millions) | 3.5734% | 4,694 |
| Cash dividends to net income (ytd only)* | 147.0588% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 4,439 |
| Loan loss allowance to noncurrent loans | 334.9650% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 4,043 |
| Noncurrent loans to loans | 0.3080% | 4,323 |
| Net loans and leases to total assets | 55.9065% | 4,266 |
| Net loans and leases to deposits | 64.6095% | 4,380 |
| Net loans and leases to core deposits | 66.3993% | 4,511 |
| Total domestic deposits to total assets | 86.5298% | 2,431 |
| Equity capital to assets | 9.6509% | 4,502 |
| Core capital (leverage) ratio | 9.3006% | 4,490 |
| Tier 1 risk-based capital ratio | 13.9398% | 3,730 |
| Total risk-based capital ratio | 14.8151% | 3,873 |
| Memoranda: | ||
| Average total assets | $83,424,500 | 4,776 |
| Average earning assets | $70,436,500 | 4,912 |
| Average equity | $7,892,000 | 5,077 |
| Average total loans | $46,785,000 | 4,774 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,559 |
| Cost of funding earning assets | 0.5993% | 1,359 |
| Net interest margin | 3.3425% | 4,140 |
| Noninterest income to average assets | 0.8991% | 1,446 |
| Noninterest expense to average assets | 3.6015% | 1,120 |
| Loan and lease loss provision to assets | 0.0396% | 3,542 |
| Net operating income to assets | 0.1637% | 5,654 |
| Return on assets (ROA) | 0.2918% | 5,466 |
| Pretax return on assets | 0.2957% | 5,525 |
| Return on Equity (ROE) | 2.7781% | 5,379 |
| Retained earnings to average equity (ytd only) | -0.4525% | 5,581 |
| Net charge-offs to loans | 0.0714% | 2,816 |
| Credit loss provision to net charge-offs | 93.7500% | 2,689 |
| Earnings coverage of net charge-offs (x) | 4.8750% | 3,473 |
| Efficiency ratio | 94.5908% | 457 |
| Assets per employee ($millions) | 3.5275% | 4,785 |
| Cash dividends to net income (ytd only)* | 116.2896% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 4,287 |
| Loan loss allowance to noncurrent loans | 287.2832% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 3,447 |
| Noncurrent loans to loans | 0.3670% | 4,133 |
| Net loans and leases to total assets | 55.0969% | 4,377 |
| Net loans and leases to deposits | 65.0259% | 4,401 |
| Net loans and leases to core deposits | 66.5777% | 4,543 |
| Total domestic deposits to total assets | 84.7307% | 3,198 |
| Equity capital to assets | 9.2747% | 4,818 |
| Core capital (leverage) ratio | 10.0191% | 3,482 |
| Tier 1 risk-based capital ratio | 14.0112% | 3,708 |
| Total risk-based capital ratio | 14.9129% | 3,841 |
| Memoranda: | ||
| Average total assets | $75,746,000 | 4,954 |
| Average earning assets | $65,908,600 | 5,046 |
| Average equity | $7,955,200 | 5,073 |
| Average total loans | $44,804,400 | 4,837 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 3,553 |
| Cost of funding earning assets | 0.6037% | 1,383 |
| Net interest margin | 3.3438% | 4,164 |
| Noninterest income to average assets | 0.9213% | 1,397 |
| Noninterest expense to average assets | 3.6235% | 1,075 |
| Loan and lease loss provision to assets | 0.0417% | 3,380 |
| Net operating income to assets | 0.2155% | 5,651 |
| Return on assets (ROA) | 0.3663% | 5,355 |
| Pretax return on assets | 0.3718% | 5,522 |
| Return on Equity (ROE) | 3.3746% | 5,260 |
| Retained earnings to average equity (ytd only) | -0.4677% | 5,686 |
| Net charge-offs to loans | 0.0844% | 2,341 |
| Credit loss provision to net charge-offs | 82.1429% | 2,581 |
| Earnings coverage of net charge-offs (x) | 5.1433% | 3,249 |
| Efficiency ratio | 93.2773% | 510 |
| Assets per employee ($millions) | 3.5427% | 4,713 |
| Cash dividends to net income (ytd only)* | 113.8603% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 4,841 |
| Loan loss allowance to noncurrent loans | 463.6364% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 3,522 |
| Noncurrent loans to loans | 0.2113% | 4,806 |
| Net loans and leases to total assets | 62.3587% | 3,554 |
| Net loans and leases to deposits | 76.4375% | 3,254 |
| Net loans and leases to core deposits | 78.5962% | 3,552 |
| Total domestic deposits to total assets | 81.5812% | 4,296 |
| Equity capital to assets | 10.6765% | 3,385 |
| Core capital (leverage) ratio | 10.5843% | 2,945 |
| Tier 1 risk-based capital ratio | 14.3560% | 3,648 |
| Total risk-based capital ratio | 15.2083% | 3,809 |
| Memoranda: | ||
| Average total assets | $73,517,500 | 5,062 |
| Average earning assets | $65,154,500 | 5,117 |
| Average equity | $7,981,000 | 5,128 |
| Average total loans | $44,220,000 | 4,908 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 3,452 |
| Cost of funding earning assets | 0.6062% | 1,370 |
| Net interest margin | 3.3525% | 4,098 |
| Noninterest income to average assets | 0.9259% | 1,368 |
| Noninterest expense to average assets | 3.6190% | 1,090 |
| Loan and lease loss provision to assets | 0.0410% | 3,294 |
| Net operating income to assets | 0.2229% | 5,641 |
| Return on assets (ROA) | 0.4397% | 5,102 |
| Pretax return on assets | 0.4479% | 5,357 |
| Return on Equity (ROE) | 4.0282% | 5,007 |
| Retained earnings to average equity (ytd only) | 0.0250% | 5,495 |
| Net charge-offs to loans | 0.1292% | 1,726 |
| Credit loss provision to net charge-offs | 53.5714% | 2,663 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,185 |
| Efficiency ratio | 93.1131% | 565 |
| Assets per employee ($millions) | 3.5199% | 4,748 |
| Cash dividends to net income (ytd only)* | 99.3789% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 4,652 |
| Loan loss allowance to noncurrent loans | 484.9462% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 3,579 |
| Noncurrent loans to loans | 0.2146% | 4,913 |
| Net loans and leases to total assets | 60.9051% | 3,704 |
| Net loans and leases to deposits | 73.7982% | 3,517 |
| Net loans and leases to core deposits | 75.4580% | 3,815 |
| Total domestic deposits to total assets | 82.5293% | 4,116 |
| Equity capital to assets | 11.2461% | 2,622 |
| Core capital (leverage) ratio | 10.7122% | 2,720 |
| Tier 1 risk-based capital ratio | 15.7006% | 2,997 |
| Total risk-based capital ratio | 16.6131% | 3,113 |
| Memoranda: | ||
| Average total assets | $73,224,330 | 5,121 |
| Average earning assets | $64,668,670 | 5,184 |
| Average equity | $7,993,670 | 5,165 |
| Average total loans | $43,342,670 | 4,976 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 3,539 |
| Cost of funding earning assets | 0.6037% | 1,407 |
| Net interest margin | 3.3114% | 4,166 |
| Noninterest income to average assets | 0.8736% | 1,486 |
| Noninterest expense to average assets | 3.4835% | 1,352 |
| Loan and lease loss provision to assets | 0.0429% | 3,056 |
| Net operating income to assets | 0.2516% | 5,562 |
| Return on assets (ROA) | 0.5895% | 4,425 |
| Pretax return on assets | 0.6056% | 4,903 |
| Return on Equity (ROE) | 5.4781% | 4,296 |
| Retained earnings to average equity (ytd only) | 0.7470% | 5,153 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0680% | 713 |
| Assets per employee ($millions) | 3.6900% | 4,534 |
| Cash dividends to net income (ytd only)* | 86.3636% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 4,630 |
| Loan loss allowance to noncurrent loans | 382.9268% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6247% | 3,616 |
| Noncurrent loans to loans | 0.2812% | 4,773 |
| Net loans and leases to total assets | 58.6341% | 3,852 |
| Net loans and leases to deposits | 72.3140% | 3,510 |
| Net loans and leases to core deposits | 73.8859% | 3,790 |
| Total domestic deposits to total assets | 81.0827% | 4,804 |
| Equity capital to assets | 10.8875% | 3,103 |
| Core capital (leverage) ratio | 10.5038% | 2,955 |
| Tier 1 risk-based capital ratio | 15.4861% | 3,150 |
| Total risk-based capital ratio | 16.4243% | 3,257 |
| Memoranda: | ||
| Average total assets | $74,637,500 | 5,138 |
| Average earning assets | $65,592,500 | 5,212 |
| Average equity | $8,032,000 | 5,205 |
| Average total loans | $43,350,500 | 5,005 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 3,387 |
| Cost of funding earning assets | 0.6625% | 1,319 |
| Net interest margin | 3.4212% | 4,103 |
| Noninterest income to average assets | 0.9051% | 1,491 |
| Noninterest expense to average assets | 3.5715% | 1,350 |
| Loan and lease loss provision to assets | 0.0167% | 4,274 |
| Net operating income to assets | 0.3364% | 5,422 |
| Return on assets (ROA) | 0.5867% | 4,516 |
| Pretax return on assets | 0.5895% | 4,976 |
| Return on Equity (ROE) | 5.4155% | 4,449 |
| Retained earnings to average equity (ytd only) | 1.5656% | 5,048 |
| Net charge-offs to loans | 0.1411% | 2,617 |
| Credit loss provision to net charge-offs | 21.4286% | 3,960 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 3,620 |
| Efficiency ratio | 90.9381% | 786 |
| Assets per employee ($millions) | 3.9724% | 4,017 |
| Cash dividends to net income (ytd only)* | 71.0900% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 4,640 |
| Loan loss allowance to noncurrent loans | 371.2000% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 3,749 |
| Noncurrent loans to loans | 0.2910% | 4,807 |
| Net loans and leases to total assets | 56.3021% | 4,294 |
| Net loans and leases to deposits | 69.7458% | 3,951 |
| Net loans and leases to core deposits | 71.2281% | 4,197 |
| Total domestic deposits to total assets | 80.7247% | 4,813 |
| Equity capital to assets | 10.6380% | 3,313 |
| Core capital (leverage) ratio | 10.4667% | 2,984 |
| Tier 1 risk-based capital ratio | 15.2084% | 3,373 |
| Total risk-based capital ratio | 16.1178% | 3,495 |
| Memoranda: | ||
| Average total assets | $71,929,600 | 5,233 |
| Average earning assets | $63,545,600 | 5,296 |
| Average equity | $7,792,400 | 5,248 |
| Average total loans | $39,690,200 | 5,194 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 3,349 |
| Cost of funding earning assets | 0.6773% | 1,276 |
| Net interest margin | 3.4288% | 4,110 |
| Noninterest income to average assets | 0.9140% | 1,476 |
| Noninterest expense to average assets | 3.6015% | 1,295 |
| Loan and lease loss provision to assets | 0.0113% | 4,195 |
| Net operating income to assets | 0.3304% | 5,492 |
| Return on assets (ROA) | 0.5255% | 4,847 |
| Pretax return on assets | 0.5292% | 5,239 |
| Return on Equity (ROE) | 4.8275% | 4,804 |
| Retained earnings to average equity (ytd only) | 0.1724% | 5,753 |
| Net charge-offs to loans | 0.1921% | 1,928 |
| Credit loss provision to net charge-offs | 10.7143% | 3,696 |
| Earnings coverage of net charge-offs (x) | 3.2680% | 3,697 |
| Efficiency ratio | 91.2940% | 752 |
| Assets per employee ($millions) | 3.5870% | 4,703 |
| Cash dividends to net income (ytd only)* | 96.4293% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 4,642 |
| Loan loss allowance to noncurrent loans | 363.4921% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 3,801 |
| Noncurrent loans to loans | 0.3094% | 4,980 |
| Net loans and leases to total assets | 56.1326% | 4,311 |
| Net loans and leases to deposits | 66.4406% | 4,286 |
| Net loans and leases to core deposits | 67.5145% | 4,554 |
| Total domestic deposits to total assets | 84.4854% | 3,554 |
| Equity capital to assets | 10.9034% | 3,064 |
| Core capital (leverage) ratio | 10.7544% | 2,755 |
| Tier 1 risk-based capital ratio | 15.5379% | 3,294 |
| Total risk-based capital ratio | 16.4686% | 3,405 |
| Memoranda: | ||
| Average total assets | $71,043,250 | 5,315 |
| Average earning assets | $62,800,500 | 5,378 |
| Average equity | $7,733,250 | 5,307 |
| Average total loans | $38,873,250 | 5,275 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 3,296 |
| Cost of funding earning assets | 0.6953% | 1,212 |
| Net interest margin | 3.4158% | 4,112 |
| Noninterest income to average assets | 0.9208% | 1,421 |
| Noninterest expense to average assets | 3.6491% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2782% | 5,641 |
| Return on assets (ROA) | 0.4152% | 5,236 |
| Pretax return on assets | 0.4208% | 5,498 |
| Return on Equity (ROE) | 3.8164% | 5,226 |
| Retained earnings to average equity (ytd only) | -1.6356% | 5,942 |
| Net charge-offs to loans | 0.0314% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,776 |
| Efficiency ratio | 92.8161% | 710 |
| Assets per employee ($millions) | 3.7551% | 4,341 |
| Cash dividends to net income (ytd only)* | 142.8571% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 3,912 |
| Loan loss allowance to noncurrent loans | 240.1914% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 3,575 |
| Noncurrent loans to loans | 0.5366% | 4,399 |
| Net loans and leases to total assets | 53.8831% | 4,558 |
| Net loans and leases to deposits | 63.9710% | 4,503 |
| Net loans and leases to core deposits | 65.2932% | 4,705 |
| Total domestic deposits to total assets | 84.2306% | 3,842 |
| Equity capital to assets | 10.9900% | 2,886 |
| Core capital (leverage) ratio | 10.7238% | 2,694 |
| Tier 1 risk-based capital ratio | 15.1916% | 3,531 |
| Total risk-based capital ratio | 16.1984% | 3,611 |
| Memoranda: | ||
| Average total assets | $70,811,330 | 5,363 |
| Average earning assets | $62,416,670 | 5,441 |
| Average equity | $7,703,670 | 5,341 |
| Average total loans | $38,255,330 | 5,330 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 3,223 |
| Cost of funding earning assets | 0.7107% | 1,187 |
| Net interest margin | 3.4049% | 4,094 |
| Noninterest income to average assets | 0.9072% | 1,367 |
| Noninterest expense to average assets | 3.7821% | 1,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1077% | 6,011 |
| Return on assets (ROA) | 0.2155% | 5,807 |
| Pretax return on assets | 0.2268% | 5,876 |
| Return on Equity (ROE) | 1.9908% | 5,788 |
| Retained earnings to average equity (ytd only) | -3.2482% | 5,988 |
| Net charge-offs to loans | 0.0211% | 3,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,895 |
| Efficiency ratio | 97.0888% | 590 |
| Assets per employee ($millions) | 3.7079% | 4,502 |
| Cash dividends to net income (ytd only)* | 263.1579% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 3,842 |
| Loan loss allowance to noncurrent loans | 267.7249% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 3,795 |
| Noncurrent loans to loans | 0.5048% | 4,650 |
| Net loans and leases to total assets | 52.4223% | 4,625 |
| Net loans and leases to deposits | 61.3427% | 4,621 |
| Net loans and leases to core deposits | 62.6030% | 4,818 |
| Total domestic deposits to total assets | 85.4580% | 3,641 |
| Equity capital to assets | 10.9154% | 2,802 |
| Core capital (leverage) ratio | 10.8015% | 2,598 |
| Tier 1 risk-based capital ratio | 16.1835% | 3,060 |
| Total risk-based capital ratio | 17.2645% | 3,119 |
| Memoranda: | ||
| Average total assets | $70,543,500 | 5,423 |
| Average earning assets | $61,910,000 | 5,506 |
| Average equity | $7,635,000 | 5,383 |
| Average total loans | $37,910,000 | 5,393 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 3,914 |
| Cost of funding earning assets | 0.7537% | 1,476 |
| Net interest margin | 3.2984% | 4,671 |
| Noninterest income to average assets | 1.0178% | 1,353 |
| Noninterest expense to average assets | 3.2584% | 2,258 |
| Loan and lease loss provision to assets | 0.0349% | 4,425 |
| Net operating income to assets | 0.6129% | 4,204 |
| Return on assets (ROA) | 0.6860% | 3,960 |
| Pretax return on assets | 0.7041% | 4,526 |
| Return on Equity (ROE) | 6.3028% | 3,919 |
| Retained earnings to average equity (ytd only) | 1.8191% | 4,942 |
| Net charge-offs to loans | 0.0787% | 4,117 |
| Credit loss provision to net charge-offs | 83.3333% | 2,941 |
| Earnings coverage of net charge-offs (x) | 15.8667% | 1,843 |
| Efficiency ratio | 83.0786% | 1,741 |
| Assets per employee ($millions) | 3.9242% | 4,018 |
| Cash dividends to net income (ytd only)* | 71.1382% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 4,017 |
| Loan loss allowance to noncurrent loans | 207.3469% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0193% | 3,386 |
| Noncurrent loans to loans | 0.6383% | 4,383 |
| Net loans and leases to total assets | 53.6186% | 4,635 |
| Net loans and leases to deposits | 62.4788% | 4,676 |
| Net loans and leases to core deposits | 63.7491% | 4,890 |
| Total domestic deposits to total assets | 85.8188% | 3,352 |
| Equity capital to assets | 10.7311% | 2,899 |
| Core capital (leverage) ratio | 10.6756% | 2,696 |
| Tier 1 risk-based capital ratio | 16.3355% | 2,943 |
| Total risk-based capital ratio | 17.4221% | 2,974 |
| Memoranda: | ||
| Average total assets | $71,722,400 | 5,425 |
| Average earning assets | $63,151,400 | 5,500 |
| Average equity | $7,806,000 | 5,392 |
| Average total loans | $38,105,800 | 5,418 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 4,102 |
| Cost of funding earning assets | 0.7578% | 1,550 |
| Net interest margin | 3.2499% | 4,831 |
| Noninterest income to average assets | 1.0241% | 1,387 |
| Noninterest expense to average assets | 3.2465% | 2,215 |
| Loan and lease loss provision to assets | 0.0426% | 4,161 |
| Net operating income to assets | 0.5795% | 4,431 |
| Return on assets (ROA) | 0.6352% | 4,316 |
| Pretax return on assets | 0.6519% | 4,848 |
| Return on Equity (ROE) | 5.8165% | 4,277 |
| Retained earnings to average equity (ytd only) | 0.2204% | 5,871 |
| Net charge-offs to loans | 0.1087% | 3,454 |
| Credit loss provision to net charge-offs | 74.1935% | 2,980 |
| Earnings coverage of net charge-offs (x) | 11.0975% | 2,281 |
| Efficiency ratio | 83.5956% | 1,649 |
| Assets per employee ($millions) | 4.2089% | 3,404 |
| Cash dividends to net income (ytd only)* | 96.2105% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 4,355 |
| Loan loss allowance to noncurrent loans | 157.8125% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 1.1153% | 3,421 |
| Noncurrent loans to loans | 0.8277% | 4,177 |
| Net loans and leases to total assets | 53.3249% | 4,706 |
| Net loans and leases to deposits | 62.3234% | 4,711 |
| Net loans and leases to core deposits | 63.5726% | 4,936 |
| Total domestic deposits to total assets | 85.5615% | 3,466 |
| Equity capital to assets | 10.4693% | 3,314 |
| Core capital (leverage) ratio | 10.4925% | 3,011 |
| Tier 1 risk-based capital ratio | 15.9307% | 3,232 |
| Total risk-based capital ratio | 17.0023% | 3,279 |
| Memoranda: | ||
| Average total assets | $71,994,000 | 5,473 |
| Average earning assets | $63,343,500 | 5,554 |
| Average equity | $7,862,500 | 5,428 |
| Average total loans | $38,036,750 | 5,478 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 4,287 |
| Cost of funding earning assets | 0.7684% | 1,596 |
| Net interest margin | 3.1835% | 4,996 |
| Noninterest income to average assets | 1.0202% | 1,471 |
| Noninterest expense to average assets | 3.2658% | 2,171 |
| Loan and lease loss provision to assets | 0.0416% | 4,121 |
| Net operating income to assets | 0.5140% | 4,744 |
| Return on assets (ROA) | 0.5711% | 4,621 |
| Pretax return on assets | 0.5850% | 5,076 |
| Return on Equity (ROE) | 5.1588% | 4,639 |
| Retained earnings to average equity (ytd only) | -1.3523% | 6,103 |
| Net charge-offs to loans | 0.0476% | 4,013 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 22.7778% | 1,352 |
| Efficiency ratio | 85.1772% | 1,500 |
| Assets per employee ($millions) | 3.3729% | 5,128 |
| Cash dividends to net income (ytd only)* | 126.2136% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 4,202 |
| Loan loss allowance to noncurrent loans | 119.3103% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1266% | 3,487 |
| Noncurrent loans to loans | 1.1415% | 3,645 |
| Net loans and leases to total assets | 53.0679% | 4,724 |
| Net loans and leases to deposits | 63.3766% | 4,573 |
| Net loans and leases to core deposits | 64.6842% | 4,818 |
| Total domestic deposits to total assets | 83.7343% | 4,439 |
| Equity capital to assets | 10.8612% | 2,883 |
| Core capital (leverage) ratio | 10.2204% | 3,199 |
| Tier 1 risk-based capital ratio | 16.1215% | 3,126 |
| Total risk-based capital ratio | 17.2458% | 3,140 |
| Memoranda: | ||
| Average total assets | $72,141,330 | 5,507 |
| Average earning assets | $63,767,000 | 5,569 |
| Average equity | $7,986,330 | 5,434 |
| Average total loans | $37,829,000 | 5,512 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 4,755 |
| Cost of funding earning assets | 0.7717% | 1,699 |
| Net interest margin | 3.0496% | 5,437 |
| Noninterest income to average assets | 1.0165% | 1,430 |
| Noninterest expense to average assets | 3.2913% | 2,104 |
| Loan and lease loss provision to assets | 0.0440% | 3,866 |
| Net operating income to assets | 0.3901% | 5,164 |
| Return on assets (ROA) | 0.3901% | 5,311 |
| Pretax return on assets | 0.3956% | 5,569 |
| Return on Equity (ROE) | 3.4919% | 5,346 |
| Retained earnings to average equity (ytd only) | -2.4099% | 6,128 |
| Net charge-offs to loans | 0.0106% | 3,934 |
| Credit loss provision to net charge-offs | 800.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 466 |
| Efficiency ratio | 88.2180% | 1,308 |
| Assets per employee ($millions) | 3.3804% | 5,256 |
| Cash dividends to net income (ytd only)* | 169.0141% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 4,355 |
| Loan loss allowance to noncurrent loans | 94.5455% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 3,513 |
| Noncurrent loans to loans | 1.4541% | 3,384 |
| Net loans and leases to total assets | 50.1600% | 4,976 |
| Net loans and leases to deposits | 59.6056% | 4,841 |
| Net loans and leases to core deposits | 61.0324% | 5,054 |
| Total domestic deposits to total assets | 84.1531% | 4,409 |
| Equity capital to assets | 10.8635% | 3,122 |
| Core capital (leverage) ratio | 10.2502% | 3,076 |
| Tier 1 risk-based capital ratio | 16.3186% | 3,101 |
| Total risk-based capital ratio | 17.4605% | 3,098 |
| Memoranda: | ||
| Average total assets | $72,797,000 | 5,541 |
| Average earning assets | $64,796,000 | 5,587 |
| Average equity | $8,133,000 | 5,452 |
| Average total loans | $37,690,000 | 5,556 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 3,990 |
| Cost of funding earning assets | 0.8343% | 2,398 |
| Net interest margin | 3.5248% | 4,397 |
| Noninterest income to average assets | 1.1231% | 1,233 |
| Noninterest expense to average assets | 3.4995% | 1,813 |
| Loan and lease loss provision to assets | 0.1085% | 4,275 |
| Net operating income to assets | 0.6151% | 4,168 |
| Return on assets (ROA) | 0.8423% | 3,339 |
| Pretax return on assets | 0.8423% | 4,145 |
| Return on Equity (ROE) | 7.2357% | 3,507 |
| Retained earnings to average equity (ytd only) | 2.4616% | 4,504 |
| Net charge-offs to loans | 0.2242% | 3,601 |
| Credit loss provision to net charge-offs | 94.9367% | 3,276 |
| Earnings coverage of net charge-offs (x) | 6.3291% | 2,830 |
| Efficiency ratio | 82.8650% | 1,766 |
| Assets per employee ($millions) | 3.2375% | 5,542 |
| Cash dividends to net income (ytd only)* | 65.9794% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 4,327 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 4,161 |
| Noncurrent loans to loans | 0.8094% | 4,566 |
| Net loans and leases to total assets | 52.0091% | 4,925 |
| Net loans and leases to deposits | 61.7946% | 4,807 |
| Net loans and leases to core deposits | 63.3339% | 5,032 |
| Total domestic deposits to total assets | 84.1645% | 4,246 |
| Equity capital to assets | 11.4944% | 2,452 |
| Core capital (leverage) ratio | 10.5629% | 2,688 |
| Tier 1 risk-based capital ratio | 16.6708% | 2,807 |
| Total risk-based capital ratio | 17.8141% | 2,829 |
| Memoranda: | ||
| Average total assets | $69,095,600 | 5,651 |
| Average earning assets | $60,769,800 | 5,717 |
| Average equity | $8,043,400 | 5,491 |
| Average total loans | $35,240,800 | 5,712 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 3,948 |
| Cost of funding earning assets | 0.8391% | 2,635 |
| Net interest margin | 3.5852% | 4,294 |
| Noninterest income to average assets | 1.1279% | 1,184 |
| Noninterest expense to average assets | 3.4362% | 1,909 |
| Loan and lease loss provision to assets | 0.1167% | 4,095 |
| Net operating income to assets | 0.7156% | 3,846 |
| Return on assets (ROA) | 0.8945% | 3,238 |
| Pretax return on assets | 0.8945% | 4,127 |
| Return on Equity (ROE) | 7.6593% | 3,446 |
| Retained earnings to average equity (ytd only) | 1.2654% | 5,667 |
| Net charge-offs to loans | 0.3077% | 2,906 |
| Credit loss provision to net charge-offs | 75.0000% | 3,770 |
| Earnings coverage of net charge-offs (x) | 5.3502% | 3,046 |
| Efficiency ratio | 80.5011% | 2,017 |
| Assets per employee ($millions) | 3.1632% | 5,707 |
| Cash dividends to net income (ytd only)* | 83.4784% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 4,569 |
| Loan loss allowance to noncurrent loans | 160.3226% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9771% | 4,332 |
| Noncurrent loans to loans | 0.8430% | 4,730 |
| Net loans and leases to total assets | 52.1260% | 5,030 |
| Net loans and leases to deposits | 62.2790% | 4,936 |
| Net loans and leases to core deposits | 64.1865% | 5,131 |
| Total domestic deposits to total assets | 83.6976% | 4,360 |
| Equity capital to assets | 11.8076% | 2,424 |
| Core capital (leverage) ratio | 10.9200% | 2,467 |
| Tier 1 risk-based capital ratio | 16.5022% | 3,000 |
| Total risk-based capital ratio | 17.6168% | 3,044 |
| Memoranda: | ||
| Average total assets | $68,563,000 | 5,725 |
| Average earning assets | $60,060,750 | 5,804 |
| Average equity | $8,007,500 | 5,556 |
| Average total loans | $34,661,750 | 5,808 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 3,826 |
| Cost of funding earning assets | 0.8542% | 2,765 |
| Net interest margin | 3.6311% | 4,133 |
| Noninterest income to average assets | 1.2049% | 988 |
| Noninterest expense to average assets | 3.4007% | 2,033 |
| Loan and lease loss provision to assets | 0.1319% | 3,874 |
| Net operating income to assets | 0.8502% | 3,142 |
| Return on assets (ROA) | 1.0202% | 2,605 |
| Pretax return on assets | 1.0202% | 3,633 |
| Return on Equity (ROE) | 8.7683% | 2,911 |
| Retained earnings to average equity (ytd only) | 0.9323% | 5,698 |
| Net charge-offs to loans | 0.4888% | 2,121 |
| Credit loss provision to net charge-offs | 54.2169% | 3,949 |
| Earnings coverage of net charge-offs (x) | 4.0361% | 3,190 |
| Efficiency ratio | 77.5920% | 2,510 |
| Assets per employee ($millions) | 3.3972% | 5,217 |
| Cash dividends to net income (ytd only)* | 89.3678% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 4,462 |
| Loan loss allowance to noncurrent loans | 140.0585% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 1.0479% | 4,288 |
| Noncurrent loans to loans | 1.0000% | 4,504 |
| Net loans and leases to total assets | 49.6291% | 5,403 |
| Net loans and leases to deposits | 57.8279% | 5,468 |
| Net loans and leases to core deposits | 59.2712% | 5,671 |
| Total domestic deposits to total assets | 85.8221% | 3,442 |
| Equity capital to assets | 11.8892% | 2,233 |
| Core capital (leverage) ratio | 10.8261% | 2,455 |
| Tier 1 risk-based capital ratio | 17.1425% | 2,608 |
| Total risk-based capital ratio | 18.2644% | 2,622 |
| Memoranda: | ||
| Average total assets | $68,220,330 | 5,775 |
| Average earning assets | $59,707,000 | 5,848 |
| Average equity | $7,937,670 | 5,591 |
| Average total loans | $33,958,330 | 5,872 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 3,758 |
| Cost of funding earning assets | 0.8704% | 2,913 |
| Net interest margin | 3.6690% | 3,967 |
| Noninterest income to average assets | 1.1469% | 1,075 |
| Noninterest expense to average assets | 3.4290% | 1,936 |
| Loan and lease loss provision to assets | 0.1346% | 3,666 |
| Net operating income to assets | 0.7900% | 3,421 |
| Return on assets (ROA) | 0.9304% | 2,989 |
| Pretax return on assets | 0.9304% | 3,931 |
| Return on Equity (ROE) | 8.0839% | 3,248 |
| Retained earnings to average equity (ytd only) | -2.6946% | 6,362 |
| Net charge-offs to loans | 0.9102% | 1,128 |
| Credit loss provision to net charge-offs | 29.8701% | 3,626 |
| Earnings coverage of net charge-offs (x) | 2.0519% | 3,328 |
| Efficiency ratio | 78.7634% | 2,384 |
| Assets per employee ($millions) | 3.8532% | 4,308 |
| Cash dividends to net income (ytd only)* | 133.3333% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 4,752 |
| Loan loss allowance to noncurrent loans | 250.2703% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 4,945 |
| Noncurrent loans to loans | 0.5450% | 5,569 |
| Net loans and leases to total assets | 48.2763% | 5,519 |
| Net loans and leases to deposits | 56.0901% | 5,592 |
| Net loans and leases to core deposits | 57.4529% | 5,761 |
| Total domestic deposits to total assets | 86.0692% | 3,490 |
| Equity capital to assets | 11.3370% | 2,594 |
| Core capital (leverage) ratio | 10.5480% | 2,695 |
| Tier 1 risk-based capital ratio | 17.0062% | 2,679 |
| Total risk-based capital ratio | 18.0952% | 2,696 |
| Memoranda: | ||
| Average total assets | $68,358,500 | 5,813 |
| Average earning assets | $59,744,000 | 5,886 |
| Average equity | $7,867,500 | 5,636 |
| Average total loans | $33,838,000 | 5,919 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8106% | 3,764 |
| Cost of funding earning assets | 1.0569% | 2,973 |
| Net interest margin | 3.7537% | 4,063 |
| Noninterest income to average assets | 1.1220% | 1,050 |
| Noninterest expense to average assets | 3.5149% | 1,943 |
| Loan and lease loss provision to assets | 0.2429% | 3,777 |
| Net operating income to assets | 0.6483% | 3,744 |
| Return on assets (ROA) | 0.8745% | 2,856 |
| Pretax return on assets | 0.8745% | 3,692 |
| Return on Equity (ROE) | 7.6525% | 3,076 |
| Retained earnings to average equity (ytd only) | 5.7925% | 2,129 |
| Net charge-offs to loans | 0.3635% | 3,587 |
| Credit loss provision to net charge-offs | 133.3333% | 2,274 |
| Earnings coverage of net charge-offs (x) | 4.8917% | 2,953 |
| Efficiency ratio | 79.7726% | 2,331 |
| Assets per employee ($millions) | 3.3680% | 5,328 |
| Cash dividends to net income (ytd only)* | 24.3056% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 3,870 |
| Loan loss allowance to noncurrent loans | 130.2267% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 4,337 |
| Noncurrent loans to loans | 1.1770% | 4,407 |
| Net loans and leases to total assets | 49.3067% | 5,685 |
| Net loans and leases to deposits | 56.9086% | 5,807 |
| Net loans and leases to core deposits | 58.0637% | 5,994 |
| Total domestic deposits to total assets | 86.6419% | 2,952 |
| Equity capital to assets | 11.6865% | 2,349 |
| Core capital (leverage) ratio | 10.7978% | 2,435 |
| Tier 1 risk-based capital ratio | 17.3603% | 2,433 |
| Total risk-based capital ratio | 18.5927% | 2,419 |
| Memoranda: | ||
| Average total assets | $65,863,400 | 5,869 |
| Average earning assets | $57,622,600 | 5,940 |
| Average equity | $7,527,000 | 5,708 |
| Average total loans | $33,015,200 | 6,015 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 3,726 |
| Cost of funding earning assets | 1.0884% | 3,056 |
| Net interest margin | 3.7722% | 4,003 |
| Noninterest income to average assets | 1.0688% | 1,175 |
| Noninterest expense to average assets | 3.5343% | 1,848 |
| Loan and lease loss provision to assets | 0.1018% | 5,171 |
| Net operating income to assets | 0.7350% | 3,451 |
| Return on assets (ROA) | 0.9386% | 2,740 |
| Pretax return on assets | 0.9386% | 3,625 |
| Return on Equity (ROE) | 8.2606% | 2,930 |
| Retained earnings to average equity (ytd only) | 6.3791% | 2,305 |
| Net charge-offs to loans | -0.0284% | 6,962 |
| Credit loss provision to net charge-offs | -714.2857% | 6,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8570% | 2,132 |
| Assets per employee ($millions) | 3.5349% | 4,913 |
| Cash dividends to net income (ytd only)* | 22.7772% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 3,577 |
| Loan loss allowance to noncurrent loans | 106.5868% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.9946% | 4,764 |
| Noncurrent loans to loans | 1.5193% | 4,001 |
| Net loans and leases to total assets | 48.3012% | 5,921 |
| Net loans and leases to deposits | 56.4397% | 5,988 |
| Net loans and leases to core deposits | 57.3385% | 6,191 |
| Total domestic deposits to total assets | 85.5801% | 3,452 |
| Equity capital to assets | 11.8010% | 2,410 |
| Core capital (leverage) ratio | 10.6956% | 2,668 |
| Tier 1 risk-based capital ratio | 17.3991% | 2,486 |
| Total risk-based capital ratio | 18.6722% | 2,447 |
| Memoranda: | ||
| Average total assets | $65,489,250 | 5,929 |
| Average earning assets | $57,330,500 | 5,997 |
| Average equity | $7,440,750 | 5,768 |
| Average total loans | $32,836,500 | 6,083 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 3,737 |
| Cost of funding earning assets | 1.1196% | 3,099 |
| Net interest margin | 3.7553% | 4,009 |
| Noninterest income to average assets | 1.0904% | 1,091 |
| Noninterest expense to average assets | 3.6069% | 1,722 |
| Loan and lease loss provision to assets | 0.1232% | 4,748 |
| Net operating income to assets | 0.6561% | 3,769 |
| Return on assets (ROA) | 0.8286% | 3,061 |
| Pretax return on assets | 0.8286% | 3,916 |
| Return on Equity (ROE) | 7.3911% | 3,243 |
| Retained earnings to average equity (ytd only) | 5.4678% | 2,706 |
| Net charge-offs to loans | -0.0305% | 6,925 |
| Credit loss provision to net charge-offs | -800.0000% | 6,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2331% | 2,068 |
| Assets per employee ($millions) | 3.5245% | 4,884 |
| Cash dividends to net income (ytd only)* | 26.0223% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,717 |
| Loan loss allowance to noncurrent loans | 103.1621% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0095% | 4,859 |
| Noncurrent loans to loans | 1.5444% | 4,086 |
| Net loans and leases to total assets | 48.1475% | 6,034 |
| Net loans and leases to deposits | 56.3770% | 6,102 |
| Net loans and leases to core deposits | 57.5339% | 6,303 |
| Total domestic deposits to total assets | 85.4028% | 3,678 |
| Equity capital to assets | 11.3029% | 2,682 |
| Core capital (leverage) ratio | 10.5778% | 2,633 |
| Tier 1 risk-based capital ratio | 16.9984% | 2,521 |
| Total risk-based capital ratio | 18.2577% | 2,491 |
| Memoranda: | ||
| Average total assets | $64,931,000 | 5,984 |
| Average earning assets | $56,986,330 | 6,056 |
| Average equity | $7,279,000 | 5,843 |
| Average total loans | $32,790,330 | 6,146 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 3,815 |
| Cost of funding earning assets | 1.1434% | 3,203 |
| Net interest margin | 3.7072% | 4,059 |
| Noninterest income to average assets | 1.0013% | 1,322 |
| Noninterest expense to average assets | 3.7175% | 1,508 |
| Loan and lease loss provision to assets | 0.0626% | 5,208 |
| Net operating income to assets | 0.4882% | 4,534 |
| Return on assets (ROA) | 0.4882% | 4,619 |
| Pretax return on assets | 0.4882% | 5,065 |
| Return on Equity (ROE) | 4.3734% | 4,714 |
| Retained earnings to average equity (ytd only) | 2.4110% | 4,704 |
| Net charge-offs to loans | -0.0366% | 6,775 |
| Credit loss provision to net charge-offs | -333.3333% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0968% | 1,605 |
| Assets per employee ($millions) | 3.3020% | 5,473 |
| Cash dividends to net income (ytd only)* | 44.8718% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 4,321 |
| Loan loss allowance to noncurrent loans | 422.4138% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 6,128 |
| Noncurrent loans to loans | 0.3493% | 6,292 |
| Net loans and leases to total assets | 49.5457% | 5,900 |
| Net loans and leases to deposits | 58.6622% | 5,865 |
| Net loans and leases to core deposits | 60.2922% | 6,074 |
| Total domestic deposits to total assets | 84.4594% | 4,292 |
| Equity capital to assets | 10.8646% | 2,812 |
| Core capital (leverage) ratio | 10.8829% | 2,276 |
| Tier 1 risk-based capital ratio | 16.5792% | 2,628 |
| Total risk-based capital ratio | 17.7585% | 2,634 |
| Memoranda: | ||
| Average total assets | $63,914,000 | 6,062 |
| Average earning assets | $56,322,500 | 6,121 |
| Average equity | $7,134,000 | 5,887 |
| Average total loans | $32,803,500 | 6,194 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4316% | 2,538 |
| Cost of funding earning assets | 1.5479% | 2,363 |
| Net interest margin | 3.8837% | 3,566 |
| Noninterest income to average assets | 1.1443% | 1,129 |
| Noninterest expense to average assets | 4.0762% | 1,055 |
| Loan and lease loss provision to assets | 0.0513% | 6,643 |
| Net operating income to assets | 0.3814% | 4,631 |
| Return on assets (ROA) | 0.6004% | 3,826 |
| Pretax return on assets | 0.6004% | 4,325 |
| Return on Equity (ROE) | 4.8098% | 4,157 |
| Retained earnings to average equity (ytd only) | 1.5896% | 4,728 |
| Net charge-offs to loans | 0.5784% | 3,309 |
| Credit loss provision to net charge-offs | 16.2162% | 6,585 |
| Earnings coverage of net charge-offs (x) | 1.3676% | 4,743 |
| Efficiency ratio | 90.4021% | 1,293 |
| Assets per employee ($millions) | 3.0894% | 5,900 |
| Cash dividends to net income (ytd only)* | 66.9516% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 4,168 |
| Loan loss allowance to noncurrent loans | 390.9836% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 5,279 |
| Noncurrent loans to loans | 0.3766% | 6,293 |
| Net loans and leases to total assets | 51.6605% | 5,966 |
| Net loans and leases to deposits | 59.8863% | 6,068 |
| Net loans and leases to core deposits | 61.6812% | 6,260 |
| Total domestic deposits to total assets | 86.2643% | 3,220 |
| Equity capital to assets | 11.4796% | 2,273 |
| Core capital (leverage) ratio | 11.2038% | 2,011 |
| Tier 1 risk-based capital ratio | 16.9792% | 2,353 |
| Total risk-based capital ratio | 18.1622% | 2,347 |
| Memoranda: | ||
| Average total assets | $58,461,400 | 6,261 |
| Average earning assets | $50,648,200 | 6,345 |
| Average equity | $7,297,600 | 5,935 |
| Average total loans | $31,984,000 | 6,318 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 2,256 |
| Cost of funding earning assets | 1.6390% | 2,165 |
| Net interest margin | 3.9111% | 3,485 |
| Noninterest income to average assets | 1.1684% | 1,022 |
| Noninterest expense to average assets | 4.1343% | 895 |
| Loan and lease loss provision to assets | 0.0532% | 6,549 |
| Net operating income to assets | 0.3540% | 4,950 |
| Return on assets (ROA) | 0.5761% | 4,139 |
| Pretax return on assets | 0.5761% | 4,675 |
| Return on Equity (ROE) | 4.5176% | 4,546 |
| Retained earnings to average equity (ytd only) | 0.8890% | 5,448 |
| Net charge-offs to loans | 0.7821% | 2,480 |
| Credit loss provision to net charge-offs | 12.2995% | 6,317 |
| Earnings coverage of net charge-offs (x) | 0.9412% | 5,116 |
| Efficiency ratio | 91.0341% | 1,208 |
| Assets per employee ($millions) | 2.8282% | 6,536 |
| Cash dividends to net income (ytd only)* | 80.3217% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 4,801 |
| Loan loss allowance to noncurrent loans | 311.5108% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 5,239 |
| Noncurrent loans to loans | 0.4266% | 6,351 |
| Net loans and leases to total assets | 54.1386% | 5,832 |
| Net loans and leases to deposits | 63.6852% | 5,952 |
| Net loans and leases to core deposits | 65.7963% | 6,144 |
| Total domestic deposits to total assets | 85.0098% | 3,615 |
| Equity capital to assets | 12.6465% | 1,782 |
| Core capital (leverage) ratio | 11.6033% | 1,867 |
| Tier 1 risk-based capital ratio | 16.7548% | 2,431 |
| Total risk-based capital ratio | 17.9115% | 2,442 |
| Memoranda: | ||
| Average total assets | $57,629,750 | 6,365 |
| Average earning assets | $49,704,000 | 6,448 |
| Average equity | $7,348,750 | 6,000 |
| Average total loans | $31,880,750 | 6,402 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6225% | 2,056 |
| Cost of funding earning assets | 1.7225% | 2,001 |
| Net interest margin | 3.9000% | 3,448 |
| Noninterest income to average assets | 1.2061% | 887 |
| Noninterest expense to average assets | 4.0286% | 1,008 |
| Loan and lease loss provision to assets | 0.0526% | 6,437 |
| Net operating income to assets | 0.4909% | 4,374 |
| Return on assets (ROA) | 0.5855% | 4,075 |
| Pretax return on assets | 0.5855% | 4,606 |
| Return on Equity (ROE) | 4.5787% | 4,504 |
| Retained earnings to average equity (ytd only) | 2.6595% | 4,453 |
| Net charge-offs to loans | 0.0379% | 5,834 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 25.8333% | 1,020 |
| Efficiency ratio | 88.1135% | 1,498 |
| Assets per employee ($millions) | 2.7382% | 6,715 |
| Cash dividends to net income (ytd only)* | 41.9162% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8768% | 2,485 |
| Loan loss allowance to noncurrent loans | 1,377.2727% | 259 |
| Noncurrent assets plus other real estate owned to assets | 1.6173% | 4,019 |
| Noncurrent loans to loans | 0.1363% | 6,988 |
| Net loans and leases to total assets | 55.0990% | 5,827 |
| Net loans and leases to deposits | 64.6790% | 5,955 |
| Net loans and leases to core deposits | 66.8841% | 6,165 |
| Total domestic deposits to total assets | 85.1883% | 3,525 |
| Equity capital to assets | 12.9300% | 1,600 |
| Core capital (leverage) ratio | 12.0291% | 1,626 |
| Tier 1 risk-based capital ratio | 16.7678% | 2,373 |
| Total risk-based capital ratio | 18.0228% | 2,322 |
| Memoranda: | ||
| Average total assets | $57,042,330 | 6,433 |
| Average earning assets | $49,230,670 | 6,501 |
| Average equity | $7,294,670 | 6,034 |
| Average total loans | $31,645,330 | 6,454 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6203% | 2,067 |
| Cost of funding earning assets | 1.7645% | 2,042 |
| Net interest margin | 3.8558% | 3,534 |
| Noninterest income to average assets | 1.2955% | 719 |
| Noninterest expense to average assets | 3.9850% | 1,055 |
| Loan and lease loss provision to assets | 0.0563% | 6,095 |
| Net operating income to assets | 0.5773% | 3,995 |
| Return on assets (ROA) | 0.6900% | 3,601 |
| Pretax return on assets | 0.6900% | 4,268 |
| Return on Equity (ROE) | 5.4260% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.4881% | 4,055 |
| Net charge-offs to loans | -0.0255% | 7,141 |
| Credit loss provision to net charge-offs | -400.0000% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2805% | 1,769 |
| Assets per employee ($millions) | 2.6886% | 6,883 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9013% | 2,436 |
| Loan loss allowance to noncurrent loans | 1,315.2174% | 267 |
| Noncurrent assets plus other real estate owned to assets | 1.9802% | 3,525 |
| Noncurrent loans to loans | 0.1446% | 7,043 |
| Net loans and leases to total assets | 55.2869% | 5,848 |
| Net loans and leases to deposits | 64.5005% | 6,003 |
| Net loans and leases to core deposits | 67.3187% | 6,177 |
| Total domestic deposits to total assets | 85.7156% | 3,302 |
| Equity capital to assets | 12.8728% | 1,570 |
| Core capital (leverage) ratio | 12.0837% | 1,608 |
| Tier 1 risk-based capital ratio | 16.8331% | 2,329 |
| Total risk-based capital ratio | 18.0895% | 2,279 |
| Memoranda: | ||
| Average total assets | $56,812,500 | 6,509 |
| Average earning assets | $48,965,000 | 6,590 |
| Average equity | $7,224,500 | 6,107 |
| Average total loans | $31,323,500 | 6,555 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8496% | 2,442 |
| Cost of funding earning assets | 2.1632% | 2,176 |
| Net interest margin | 3.6864% | 4,198 |
| Noninterest income to average assets | 1.3592% | 802 |
| Noninterest expense to average assets | 4.1987% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0157% | 5,441 |
| Return on assets (ROA) | -0.1428% | 5,746 |
| Pretax return on assets | 0.0886% | 5,246 |
| Return on Equity (ROE) | -1.0885% | 5,703 |
| Retained earnings to average equity (ytd only) | -5.9107% | 6,135 |
| Net charge-offs to loans | 0.0252% | 6,889 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 937 |
| Efficiency ratio | 92.5867% | 1,520 |
| Assets per employee ($millions) | 2.7221% | 6,812 |
| Cash dividends to net income (ytd only)* | -443.0380% | 7,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9301% | 2,193 |
| Loan loss allowance to noncurrent loans | 1,293.4783% | 291 |
| Noncurrent assets plus other real estate owned to assets | 2.0887% | 3,288 |
| Noncurrent loans to loans | 0.1492% | 7,060 |
| Net loans and leases to total assets | 52.8855% | 6,317 |
| Net loans and leases to deposits | 61.5397% | 6,510 |
| Net loans and leases to core deposits | 78.5634% | 6,214 |
| Total domestic deposits to total assets | 85.9372% | 3,050 |
| Equity capital to assets | 12.5619% | 1,720 |
| Core capital (leverage) ratio | 11.6261% | 1,854 |
| Tier 1 risk-based capital ratio | 16.9261% | 2,171 |
| Total risk-based capital ratio | 18.1811% | 2,139 |
| Memoranda: | ||
| Average total assets | $55,326,000 | 6,517 |
| Average earning assets | $47,661,400 | 6,612 |
| Average equity | $7,258,000 | 6,187 |
| Average total loans | $31,685,200 | 6,543 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8743% | 2,561 |
| Cost of funding earning assets | 2.2127% | 2,350 |
| Net interest margin | 3.6616% | 4,231 |
| Noninterest income to average assets | 1.3706% | 804 |
| Noninterest expense to average assets | 4.2599% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0420% | 5,786 |
| Return on assets (ROA) | -0.0389% | 5,836 |
| Pretax return on assets | 0.2722% | 5,127 |
| Return on Equity (ROE) | -0.2931% | 5,825 |
| Retained earnings to average equity (ytd only) | -6.7057% | 6,472 |
| Net charge-offs to loans | 0.1505% | 5,207 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 3.0554% | 3,700 |
| Efficiency ratio | 94.0955% | 1,388 |
| Assets per employee ($millions) | 2.7044% | 6,840 |
| Cash dividends to net income (ytd only)* | -2,187.8106% | 8,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 2,295 |
| Loan loss allowance to noncurrent loans | 310.2703% | 978 |
| Noncurrent assets plus other real estate owned to assets | 2.6060% | 2,672 |
| Noncurrent loans to loans | 0.5783% | 6,164 |
| Net loans and leases to total assets | 55.3202% | 6,227 |
| Net loans and leases to deposits | 65.4501% | 6,359 |
| Net loans and leases to core deposits | 85.7853% | 5,885 |
| Total domestic deposits to total assets | 84.5227% | 3,467 |
| Equity capital to assets | 12.7392% | 1,808 |
| Core capital (leverage) ratio | 12.4107% | 1,616 |
| Tier 1 risk-based capital ratio | 16.6679% | 2,369 |
| Total risk-based capital ratio | 17.9217% | 2,317 |
| Memoranda: | ||
| Average total assets | $54,866,250 | 6,583 |
| Average earning assets | $47,301,000 | 6,676 |
| Average equity | $7,277,250 | 6,236 |
| Average total loans | $31,899,750 | 6,571 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9609% | 2,343 |
| Cost of funding earning assets | 2.2519% | 2,568 |
| Net interest margin | 3.7090% | 3,916 |
| Noninterest income to average assets | 1.4385% | 725 |
| Noninterest expense to average assets | 4.3708% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2002% | 6,188 |
| Return on assets (ROA) | -0.1955% | 6,206 |
| Pretax return on assets | 0.2766% | 5,257 |
| Return on Equity (ROE) | -1.4538% | 6,140 |
| Retained earnings to average equity (ytd only) | -1.4538% | 5,600 |
| Net charge-offs to loans | 0.0565% | 5,702 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.1111% | 2,314 |
| Efficiency ratio | 94.1971% | 1,480 |
| Assets per employee ($millions) | 2.5795% | 7,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 1,715 |
| Loan loss allowance to noncurrent loans | 410.8844% | 771 |
| Noncurrent assets plus other real estate owned to assets | 2.6472% | 2,425 |
| Noncurrent loans to loans | 0.4701% | 6,350 |
| Net loans and leases to total assets | 56.6088% | 6,136 |
| Net loans and leases to deposits | 68.0930% | 6,178 |
| Net loans and leases to core deposits | 90.9833% | 5,454 |
| Total domestic deposits to total assets | 83.1346% | 4,178 |
| Equity capital to assets | 13.4502% | 1,512 |
| Core capital (leverage) ratio | 13.2052% | 1,370 |
| Tier 1 risk-based capital ratio | 18.1693% | 1,968 |
| Total risk-based capital ratio | 19.4477% | 1,904 |
| Memoranda: | ||
| Average total assets | $54,224,000 | 6,668 |
| Average earning assets | $46,805,330 | 6,757 |
| Average equity | $7,291,330 | 6,272 |
| Average total loans | $31,869,000 | 6,617 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9456% | 2,579 |
| Cost of funding earning assets | 2.2115% | 3,109 |
| Net interest margin | 3.7341% | 3,744 |
| Noninterest income to average assets | 1.3861% | 735 |
| Noninterest expense to average assets | 4.3723% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.1502% | 7,332 |
| Return on assets (ROA) | -1.1502% | 7,344 |
| Pretax return on assets | 0.2507% | 5,821 |
| Return on Equity (ROE) | -8.5550% | 7,273 |
| Retained earnings to average equity (ytd only) | -8.5550% | 6,966 |
| Net charge-offs to loans | -0.0995% | 7,874 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5774% | 1,399 |
| Assets per employee ($millions) | 2.5634% | 7,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9595% | 1,501 |
| Loan loss allowance to noncurrent loans | 81.7585% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 2.7530% | 2,063 |
| Noncurrent loans to loans | 2.3967% | 2,754 |
| Net loans and leases to total assets | 57.9042% | 5,955 |
| Net loans and leases to deposits | 70.6057% | 5,923 |
| Net loans and leases to core deposits | 92.8399% | 5,275 |
| Total domestic deposits to total assets | 82.0107% | 4,544 |
| Equity capital to assets | 13.7409% | 1,451 |
| Core capital (leverage) ratio | 12.8719% | 1,528 |
| Tier 1 risk-based capital ratio | 18.3895% | 1,963 |
| Total risk-based capital ratio | 19.6445% | 1,919 |
| Memoranda: | ||
| Average total assets | $54,251,000 | 6,698 |
| Average earning assets | $47,026,500 | 6,792 |
| Average equity | $7,294,000 | 6,302 |
| Average total loans | $32,169,000 | 6,635 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0244% | 5,431 |
| Cost of funding earning assets | 2.8066% | 2,680 |
| Net interest margin | 3.2178% | 6,316 |
| Noninterest income to average assets | 5.5342% | 115 |
| Noninterest expense to average assets | 4.0963% | 1,288 |
| Loan and lease loss provision to assets | 0.0326% | 7,000 |
| Net operating income to assets | 2.8503% | 76 |
| Return on assets (ROA) | 2.8618% | 76 |
| Pretax return on assets | 4.3334% | 55 |
| Return on Equity (ROE) | 36.9845% | 21 |
| Retained earnings to average equity (ytd only) | 3.6970% | 2,845 |
| Net charge-offs to loans | 0.2752% | 3,566 |
| Credit loss provision to net charge-offs | 19.1083% | 6,585 |
| Earnings coverage of net charge-offs (x) | 25.4650% | 1,328 |
| Efficiency ratio | 48.5059% | 7,764 |
| Assets per employee ($millions) | 2.6033% | 6,994 |
| Cash dividends to net income (ytd only)* | 90.0038% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 1,445 |
| Loan loss allowance to noncurrent loans | 88.7446% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.6797% | 1,769 |
| Noncurrent loans to loans | 2.1294% | 2,594 |
| Net loans and leases to total assets | 58.4031% | 6,142 |
| Net loans and leases to deposits | 77.3380% | 5,429 |
| Net loans and leases to core deposits | 100.2134% | 4,806 |
| Total domestic deposits to total assets | 75.5167% | 6,336 |
| Equity capital to assets | 13.1535% | 1,728 |
| Core capital (leverage) ratio | 12.2315% | 1,869 |
| Tier 1 risk-based capital ratio | 17.5707% | 2,157 |
| Total risk-based capital ratio | 18.8249% | 2,095 |
| Memoranda: | ||
| Average total assets | $91,936,600 | 5,294 |
| Average earning assets | $83,161,200 | 5,324 |
| Average equity | $7,113,800 | 6,418 |
| Average total loans | $57,057,400 | 5,405 |