Home > The First National Bank of Anson > Performance and Condition Ratios
The First National Bank of Anson, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7026% | 557 |
| Cost of funding earning assets | 0.5464% | 4,297 |
| Net interest margin | 6.1563% | 98 |
| Noninterest income to average assets | 0.7400% | 1,053 |
| Noninterest expense to average assets | 3.5981% | 519 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 2.8129% | 163 |
| Return on assets (ROA) | 2.8129% | 163 |
| Pretax return on assets | 2.8129% | 220 |
| Return on Equity (ROE) | 33.3500% | 79 |
| Retained earnings to average equity (ytd only) | 7.7647% | 1,190 |
| Net charge-offs to loans | 0.2163% | 667 |
| Credit loss provision to net charge-offs | 84.2105% | 2,091 |
| Earnings coverage of net charge-offs (x) | 21.9579% | 1,766 |
| Efficiency ratio | 55.1591% | 3,636 |
| Assets per employee ($millions) | 4.7219% | 3,818 |
| Cash dividends to net income (ytd only)* | 76.7198% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 415 |
| Loan loss allowance to noncurrent loans | 361.5385% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 1,934 |
| Noncurrent loans to loans | 0.5372% | 1,729 |
| Net loans and leases to total assets | 60.3000% | 2,910 |
| Net loans and leases to deposits | 66.7349% | 3,158 |
| Net loans and leases to core deposits | 68.1675% | 3,435 |
| Total domestic deposits to total assets | 90.3600% | 703 |
| Equity capital to assets | 9.2632% | 2,627 |
| Core capital (leverage) ratio | 10.4024% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1479% | 870 |
| Memoranda: | ||
| Average total assets | $71,315,200 | 4,036 |
| Average earning assets | $66,988,600 | 4,007 |
| Average equity | $6,014,400 | 4,152 |
| Average total loans | $43,916,600 | 3,909 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6765% | 555 |
| Cost of funding earning assets | 0.5757% | 4,315 |
| Net interest margin | 6.1009% | 102 |
| Noninterest income to average assets | 0.7500% | 990 |
| Noninterest expense to average assets | 3.6264% | 493 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 2.7716% | 173 |
| Return on assets (ROA) | 2.7716% | 178 |
| Pretax return on assets | 2.7716% | 247 |
| Return on Equity (ROE) | 33.6900% | 80 |
| Retained earnings to average equity (ytd only) | 10.1170% | 828 |
| Net charge-offs to loans | -0.0151% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 55.7053% | 3,574 |
| Assets per employee ($millions) | 5.0479% | 3,620 |
| Cash dividends to net income (ytd only)* | 69.9663% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0731% | 341 |
| Loan loss allowance to noncurrent loans | 771.6667% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 2,612 |
| Noncurrent loans to loans | 0.2686% | 2,484 |
| Net loans and leases to total assets | 61.9000% | 2,749 |
| Net loans and leases to deposits | 68.7465% | 3,073 |
| Net loans and leases to core deposits | 70.1803% | 3,381 |
| Total domestic deposits to total assets | 90.0300% | 580 |
| Equity capital to assets | 9.4282% | 2,721 |
| Core capital (leverage) ratio | 10.3177% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9504% | 929 |
| Memoranda: | ||
| Average total assets | $71,436,750 | 4,051 |
| Average earning assets | $67,398,750 | 4,021 |
| Average equity | $5,877,750 | 4,183 |
| Average total loans | $44,006,500 | 3,919 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5404% | 601 |
| Cost of funding earning assets | 0.5590% | 4,325 |
| Net interest margin | 5.9813% | 113 |
| Noninterest income to average assets | 0.7400% | 995 |
| Noninterest expense to average assets | 3.6852% | 475 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 2.6195% | 209 |
| Return on assets (ROA) | 2.6195% | 210 |
| Pretax return on assets | 2.6195% | 292 |
| Return on Equity (ROE) | 33.4400% | 101 |
| Retained earnings to average equity (ytd only) | 1.4601% | 3,496 |
| Net charge-offs to loans | 0.0457% | 1,332 |
| Credit loss provision to net charge-offs | 400.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 97.9000% | 778 |
| Efficiency ratio | 57.4348% | 3,445 |
| Assets per employee ($millions) | 4.7200% | 3,791 |
| Cash dividends to net income (ytd only)* | 95.6337% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9815% | 408 |
| Loan loss allowance to noncurrent loans | 748.7395% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 2,556 |
| Noncurrent loans to loans | 0.2646% | 2,422 |
| Net loans and leases to total assets | 62.2500% | 2,738 |
| Net loans and leases to deposits | 70.3561% | 2,964 |
| Net loans and leases to core deposits | 72.1741% | 3,262 |
| Total domestic deposits to total assets | 88.4800% | 1,164 |
| Equity capital to assets | 8.2613% | 3,261 |
| Core capital (leverage) ratio | 9.6159% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9527% | 1,089 |
| Memoranda: | ||
| Average total assets | $71,692,000 | 4,064 |
| Average earning assets | $67,978,000 | 4,033 |
| Average equity | $5,616,000 | 4,212 |
| Average total loans | $43,786,000 | 3,936 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3512% | 697 |
| Cost of funding earning assets | 0.6002% | 4,315 |
| Net interest margin | 5.7510% | 147 |
| Noninterest income to average assets | 0.7100% | 1,002 |
| Noninterest expense to average assets | 3.3214% | 702 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 2.7503% | 202 |
| Return on assets (ROA) | 2.7503% | 201 |
| Pretax return on assets | 2.7503% | 275 |
| Return on Equity (ROE) | 36.0800% | 87 |
| Retained earnings to average equity (ytd only) | -23.4203% | 4,456 |
| Net charge-offs to loans | -0.0093% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 53.7220% | 3,782 |
| Assets per employee ($millions) | 4.7563% | 3,809 |
| Cash dividends to net income (ytd only)* | 164.9194% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0569% | 350 |
| Loan loss allowance to noncurrent loans | 443.2161% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 1,987 |
| Noncurrent loans to loans | 0.4641% | 1,765 |
| Net loans and leases to total assets | 58.8700% | 2,976 |
| Net loans and leases to deposits | 65.8663% | 3,181 |
| Net loans and leases to core deposits | 66.9776% | 3,481 |
| Total domestic deposits to total assets | 89.3800% | 997 |
| Equity capital to assets | 7.5003% | 3,674 |
| Core capital (leverage) ratio | 8.8967% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7809% | 1,123 |
| Memoranda: | ||
| Average total assets | $72,138,000 | 4,086 |
| Average earning assets | $68,648,500 | 4,052 |
| Average equity | $5,499,500 | 4,249 |
| Average total loans | $43,195,500 | 3,962 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7122% | 911 |
| Cost of funding earning assets | 0.2242% | 4,434 |
| Net interest margin | 5.4880% | 189 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 3.1221% | 926 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 2.7419% | 199 |
| Return on assets (ROA) | 2.7392% | 199 |
| Pretax return on assets | 2.7392% | 269 |
| Return on Equity (ROE) | 42.0500% | 81 |
| Retained earnings to average equity (ytd only) | 10.2391% | 952 |
| Net charge-offs to loans | -0.0024% | 3,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.5349% | 3,787 |
| Assets per employee ($millions) | 4.8621% | 3,733 |
| Cash dividends to net income (ytd only)* | 75.6484% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 388 |
| Loan loss allowance to noncurrent loans | 341.6667% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 1,581 |
| Noncurrent loans to loans | 0.5792% | 1,350 |
| Net loans and leases to total assets | 58.4800% | 2,992 |
| Net loans and leases to deposits | 67.5564% | 3,067 |
| Net loans and leases to core deposits | 68.4234% | 3,378 |
| Total domestic deposits to total assets | 86.5600% | 1,829 |
| Equity capital to assets | 7.7442% | 3,577 |
| Core capital (leverage) ratio | 9.2312% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2779% | 1,032 |
| Memoranda: | ||
| Average total assets | $76,006,600 | 4,053 |
| Average earning assets | $72,248,600 | 4,012 |
| Average equity | $4,951,600 | 4,267 |
| Average total loans | $41,788,200 | 3,964 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 967 |
| Cost of funding earning assets | 0.1479% | 4,479 |
| Net interest margin | 5.3918% | 200 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.0738% | 963 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.7039% | 217 |
| Return on assets (ROA) | 2.7039% | 216 |
| Pretax return on assets | 2.7039% | 311 |
| Return on Equity (ROE) | 43.4500% | 100 |
| Retained earnings to average equity (ytd only) | 10.6608% | 1,228 |
| Net charge-offs to loans | -0.0322% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.4911% | 3,718 |
| Assets per employee ($millions) | 5.2978% | 3,353 |
| Cash dividends to net income (ytd only)* | 75.4656% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0236% | 374 |
| Loan loss allowance to noncurrent loans | 673.2283% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 2,444 |
| Noncurrent loans to loans | 0.3006% | 2,154 |
| Net loans and leases to total assets | 55.8100% | 3,219 |
| Net loans and leases to deposits | 59.9838% | 3,504 |
| Net loans and leases to core deposits | 59.9838% | 3,707 |
| Total domestic deposits to total assets | 93.0500% | 288 |
| Equity capital to assets | 6.6052% | 3,793 |
| Core capital (leverage) ratio | 9.1092% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9794% | 1,104 |
| Memoranda: | ||
| Average total assets | $76,775,250 | 4,062 |
| Average earning assets | $73,023,250 | 4,017 |
| Average equity | $4,777,500 | 4,288 |
| Average total loans | $41,357,750 | 3,981 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3690% | 995 |
| Cost of funding earning assets | 0.1240% | 4,500 |
| Net interest margin | 5.2450% | 225 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 3.0962% | 910 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.5630% | 229 |
| Return on assets (ROA) | 2.5630% | 227 |
| Pretax return on assets | 2.5630% | 328 |
| Return on Equity (ROE) | 42.0100% | 100 |
| Retained earnings to average equity (ytd only) | 15.6217% | 506 |
| Net charge-offs to loans | -0.0390% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.9740% | 3,613 |
| Assets per employee ($millions) | 5.0040% | 3,600 |
| Cash dividends to net income (ytd only)* | 62.8141% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 412 |
| Loan loss allowance to noncurrent loans | 377.4775% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 1,732 |
| Noncurrent loans to loans | 0.5309% | 1,405 |
| Net loans and leases to total assets | 54.5900% | 3,226 |
| Net loans and leases to deposits | 60.1215% | 3,408 |
| Net loans and leases to core deposits | 60.1215% | 3,628 |
| Total domestic deposits to total assets | 90.8000% | 703 |
| Equity capital to assets | 6.5854% | 3,957 |
| Core capital (leverage) ratio | 8.9799% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3088% | 1,064 |
| Memoranda: | ||
| Average total assets | $77,644,000 | 4,073 |
| Average earning assets | $74,166,333 | 4,025 |
| Average equity | $4,737,000 | 4,319 |
| Average total loans | $41,060,000 | 4,001 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1777% | 981 |
| Cost of funding earning assets | 0.0849% | 4,554 |
| Net interest margin | 5.0928% | 262 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 3.0506% | 994 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 2.4273% | 266 |
| Return on assets (ROA) | 2.4273% | 264 |
| Pretax return on assets | 2.4273% | 395 |
| Return on Equity (ROE) | 41.3500% | 106 |
| Retained earnings to average equity (ytd only) | 5.5244% | 2,880 |
| Net charge-offs to loans | -0.0197% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.9270% | 3,511 |
| Assets per employee ($millions) | 5.1329% | 3,548 |
| Cash dividends to net income (ytd only)* | 86.6388% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0045% | 435 |
| Loan loss allowance to noncurrent loans | 238.1924% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 1,149 |
| Noncurrent loans to loans | 0.8416% | 907 |
| Net loans and leases to total assets | 51.8800% | 3,351 |
| Net loans and leases to deposits | 55.4505% | 3,602 |
| Net loans and leases to core deposits | 55.4505% | 3,771 |
| Total domestic deposits to total assets | 93.5500% | 220 |
| Equity capital to assets | 6.2252% | 4,129 |
| Core capital (leverage) ratio | 8.0087% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6474% | 1,224 |
| Memoranda: | ||
| Average total assets | $78,936,000 | 4,117 |
| Average earning assets | $75,400,000 | 4,063 |
| Average equity | $4,634,000 | 4,386 |
| Average total loans | $40,682,500 | 4,060 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4014% | 882 |
| Cost of funding earning assets | 0.0361% | 4,600 |
| Net interest margin | 4.3653% | 371 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.7798% | 1,357 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 2.0244% | 287 |
| Return on assets (ROA) | 2.0244% | 276 |
| Pretax return on assets | 2.0244% | 450 |
| Return on Equity (ROE) | 32.5900% | 90 |
| Retained earnings to average equity (ytd only) | 8.1875% | 1,761 |
| Net charge-offs to loans | -0.2160% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.8015% | 3,365 |
| Assets per employee ($millions) | 5.3919% | 3,326 |
| Cash dividends to net income (ytd only)* | 74.8762% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9701% | 453 |
| Loan loss allowance to noncurrent loans | 233.9181% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 1,215 |
| Noncurrent loans to loans | 0.8422% | 889 |
| Net loans and leases to total assets | 49.2200% | 3,565 |
| Net loans and leases to deposits | 52.2189% | 3,788 |
| Net loans and leases to core deposits | 52.2189% | 3,907 |
| Total domestic deposits to total assets | 94.2500% | 216 |
| Equity capital to assets | 5.5330% | 4,235 |
| Core capital (leverage) ratio | 7.5919% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5536% | 1,221 |
| Memoranda: | ||
| Average total assets | $79,825,800 | 4,136 |
| Average earning assets | $74,816,600 | 4,099 |
| Average equity | $4,958,800 | 4,433 |
| Average total loans | $39,359,600 | 4,075 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 897 |
| Cost of funding earning assets | 0.0342% | 4,632 |
| Net interest margin | 4.1609% | 456 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.6880% | 1,497 |
| Loan and lease loss provision to assets | -0.2500% | 4,693 |
| Net operating income to assets | 2.1601% | 223 |
| Return on assets (ROA) | 2.1601% | 221 |
| Pretax return on assets | 2.1601% | 343 |
| Return on Equity (ROE) | 33.8300% | 70 |
| Retained earnings to average equity (ytd only) | 18.4781% | 145 |
| Net charge-offs to loans | -0.3858% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.4761% | 3,326 |
| Assets per employee ($millions) | 5.5812% | 3,143 |
| Cash dividends to net income (ytd only)* | 45.3840% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 906 |
| Loan loss allowance to noncurrent loans | 303.6036% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 1,895 |
| Noncurrent loans to loans | 0.5540% | 1,435 |
| Net loans and leases to total assets | 47.0600% | 3,699 |
| Net loans and leases to deposits | 49.9746% | 3,855 |
| Net loans and leases to core deposits | 49.9746% | 3,951 |
| Total domestic deposits to total assets | 94.1700% | 335 |
| Equity capital to assets | 5.5460% | 4,111 |
| Core capital (leverage) ratio | 8.2342% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3399% | 1,115 |
| Memoranda: | ||
| Average total assets | $79,562,500 | 4,165 |
| Average earning assets | $74,148,500 | 4,139 |
| Average equity | $5,079,750 | 4,459 |
| Average total loans | $39,047,750 | 4,101 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 759 |
| Cost of funding earning assets | 0.0331% | 4,680 |
| Net interest margin | 4.0712% | 425 |
| Noninterest income to average assets | 0.7266% | 1,242 |
| Noninterest expense to average assets | 2.8397% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6603% | 476 |
| Return on assets (ROA) | 1.6603% | 470 |
| Pretax return on assets | 1.6603% | 827 |
| Return on Equity (ROE) | 24.8405% | 116 |
| Retained earnings to average equity (ytd only) | 7.0426% | 1,978 |
| Net charge-offs to loans | -0.5425% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1040% | 2,901 |
| Assets per employee ($millions) | 5.7762% | 2,952 |
| Cash dividends to net income (ytd only)* | 71.6487% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1020% | 450 |
| Loan loss allowance to noncurrent loans | 357.8947% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 1,896 |
| Noncurrent loans to loans | 0.5873% | 1,442 |
| Net loans and leases to total assets | 46.9969% | 3,628 |
| Net loans and leases to deposits | 50.0863% | 3,805 |
| Net loans and leases to core deposits | 50.0863% | 3,930 |
| Total domestic deposits to total assets | 93.8318% | 315 |
| Equity capital to assets | 5.9839% | 4,207 |
| Core capital (leverage) ratio | 7.8152% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7677% | 1,235 |
| Memoranda: | ||
| Average total assets | $78,177,333 | 4,222 |
| Average earning assets | $72,459,333 | 4,219 |
| Average equity | $5,225,333 | 4,498 |
| Average total loans | $38,706,667 | 4,160 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 708 |
| Cost of funding earning assets | 0.0340% | 4,693 |
| Net interest margin | 4.0101% | 409 |
| Noninterest income to average assets | 0.7080% | 1,290 |
| Noninterest expense to average assets | 2.8582% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5358% | 586 |
| Return on assets (ROA) | 1.5358% | 581 |
| Pretax return on assets | 1.5358% | 946 |
| Return on Equity (ROE) | 21.7772% | 164 |
| Retained earnings to average equity (ytd only) | 2.2146% | 3,490 |
| Net charge-offs to loans | -0.2691% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0474% | 2,901 |
| Assets per employee ($millions) | 5.7405% | 3,071 |
| Cash dividends to net income (ytd only)* | 89.8305% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9020% | 740 |
| Loan loss allowance to noncurrent loans | 107.9063% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 636 |
| Noncurrent loans to loans | 1.7626% | 442 |
| Net loans and leases to total assets | 47.2980% | 3,460 |
| Net loans and leases to deposits | 50.5344% | 3,693 |
| Net loans and leases to core deposits | 50.5344% | 3,842 |
| Total domestic deposits to total assets | 93.5956% | 152 |
| Equity capital to assets | 6.2924% | 4,497 |
| Core capital (leverage) ratio | 7.7787% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4761% | 1,390 |
| Memoranda: | ||
| Average total assets | $76,832,500 | 4,261 |
| Average earning assets | $70,621,000 | 4,260 |
| Average equity | $5,418,500 | 4,527 |
| Average total loans | $38,649,500 | 4,180 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 1,442 |
| Cost of funding earning assets | 0.0488% | 4,692 |
| Net interest margin | 3.9172% | 824 |
| Noninterest income to average assets | 0.7278% | 1,670 |
| Noninterest expense to average assets | 3.0651% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1104% | 2,246 |
| Return on assets (ROA) | 1.1104% | 2,309 |
| Pretax return on assets | 1.1104% | 2,930 |
| Return on Equity (ROE) | 13.6998% | 1,265 |
| Retained earnings to average equity (ytd only) | 2.9247% | 3,661 |
| Net charge-offs to loans | -0.1986% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4064% | 1,375 |
| Assets per employee ($millions) | 4.5811% | 4,057 |
| Cash dividends to net income (ytd only)* | 78.6517% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 804 |
| Loan loss allowance to noncurrent loans | 130.4587% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 829 |
| Noncurrent loans to loans | 1.4137% | 661 |
| Net loans and leases to total assets | 51.6235% | 3,104 |
| Net loans and leases to deposits | 56.2152% | 3,398 |
| Net loans and leases to core deposits | 56.2152% | 3,602 |
| Total domestic deposits to total assets | 91.8320% | 230 |
| Equity capital to assets | 7.8856% | 4,425 |
| Core capital (leverage) ratio | 8.4218% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2020% | 1,216 |
| Memoranda: | ||
| Average total assets | $72,134,200 | 4,314 |
| Average earning assets | $63,489,800 | 4,342 |
| Average equity | $5,846,800 | 4,547 |
| Average total loans | $36,756,000 | 4,253 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8992% | 1,765 |
| Cost of funding earning assets | 0.0530% | 4,764 |
| Net interest margin | 3.8462% | 1,028 |
| Noninterest income to average assets | 0.7182% | 1,765 |
| Noninterest expense to average assets | 3.0603% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0244% | 2,819 |
| Return on assets (ROA) | 1.0244% | 2,886 |
| Pretax return on assets | 1.0244% | 3,384 |
| Return on Equity (ROE) | 12.5519% | 1,849 |
| Retained earnings to average equity (ytd only) | 6.4124% | 2,643 |
| Net charge-offs to loans | -0.3268% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9205% | 1,135 |
| Assets per employee ($millions) | 4.4114% | 4,180 |
| Cash dividends to net income (ytd only)* | 48.9130% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9335% | 726 |
| Loan loss allowance to noncurrent loans | 101.5363% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 380 |
| Noncurrent loans to loans | 1.9043% | 478 |
| Net loans and leases to total assets | 55.7238% | 2,757 |
| Net loans and leases to deposits | 61.5268% | 3,090 |
| Net loans and leases to core deposits | 61.5268% | 3,359 |
| Total domestic deposits to total assets | 90.5684% | 524 |
| Equity capital to assets | 9.0795% | 3,758 |
| Core capital (leverage) ratio | 8.7752% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2901% | 1,084 |
| Memoranda: | ||
| Average total assets | $71,843,250 | 4,371 |
| Average earning assets | $62,883,750 | 4,407 |
| Average equity | $5,863,500 | 4,608 |
| Average total loans | $36,307,500 | 4,320 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7211% | 2,279 |
| Cost of funding earning assets | 0.0532% | 4,812 |
| Net interest margin | 3.6679% | 1,431 |
| Noninterest income to average assets | 0.6835% | 1,876 |
| Noninterest expense to average assets | 2.8725% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9928% | 2,912 |
| Return on assets (ROA) | 0.9928% | 2,997 |
| Pretax return on assets | 0.9928% | 3,458 |
| Return on Equity (ROE) | 12.5874% | 1,856 |
| Retained earnings to average equity (ytd only) | 4.7461% | 3,283 |
| Net charge-offs to loans | -0.2230% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3158% | 1,223 |
| Assets per employee ($millions) | 4.9663% | 3,688 |
| Cash dividends to net income (ytd only)* | 62.2951% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 827 |
| Loan loss allowance to noncurrent loans | 108.3067% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 548 |
| Noncurrent loans to loans | 1.6989% | 624 |
| Net loans and leases to total assets | 52.0208% | 3,338 |
| Net loans and leases to deposits | 56.9725% | 3,637 |
| Net loans and leases to core deposits | 57.2457% | 3,814 |
| Total domestic deposits to total assets | 91.3085% | 283 |
| Equity capital to assets | 8.4182% | 4,263 |
| Core capital (leverage) ratio | 7.8735% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2683% | 1,069 |
| Memoranda: | ||
| Average total assets | $73,734,000 | 4,371 |
| Average earning assets | $63,960,000 | 4,418 |
| Average equity | $5,815,333 | 4,640 |
| Average total loans | $35,876,667 | 4,362 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6471% | 2,506 |
| Cost of funding earning assets | 0.0560% | 4,839 |
| Net interest margin | 3.5910% | 1,612 |
| Noninterest income to average assets | 0.6329% | 2,082 |
| Noninterest expense to average assets | 2.8007% | 1,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8756% | 3,192 |
| Return on assets (ROA) | 0.8756% | 3,277 |
| Pretax return on assets | 0.8756% | 3,656 |
| Return on Equity (ROE) | 11.4552% | 2,200 |
| Retained earnings to average equity (ytd only) | 5.7276% | 2,996 |
| Net charge-offs to loans | -0.1017% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1836% | 1,119 |
| Assets per employee ($millions) | 5.4814% | 3,138 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 825 |
| Loan loss allowance to noncurrent loans | 76.3872% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3969% | 479 |
| Noncurrent loans to loans | 2.3955% | 399 |
| Net loans and leases to total assets | 45.2320% | 4,023 |
| Net loans and leases to deposits | 49.0656% | 4,220 |
| Net loans and leases to core deposits | 50.5299% | 4,267 |
| Total domestic deposits to total assets | 92.1866% | 109 |
| Equity capital to assets | 7.6036% | 4,677 |
| Core capital (leverage) ratio | 7.7708% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1535% | 1,258 |
| Memoranda: | ||
| Average total assets | $75,837,000 | 4,370 |
| Average earning assets | $64,271,000 | 4,432 |
| Average equity | $5,796,500 | 4,658 |
| Average total loans | $35,391,500 | 4,389 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 1,799 |
| Cost of funding earning assets | 0.1133% | 4,835 |
| Net interest margin | 4.2088% | 623 |
| Noninterest income to average assets | 0.6604% | 1,985 |
| Noninterest expense to average assets | 2.8825% | 1,732 |
| Loan and lease loss provision to assets | 0.0998% | 3,086 |
| Net operating income to assets | 1.3877% | 1,049 |
| Return on assets (ROA) | 1.3877% | 1,141 |
| Pretax return on assets | 1.3877% | 1,693 |
| Return on Equity (ROE) | 17.0468% | 409 |
| Retained earnings to average equity (ytd only) | 2.2425% | 3,733 |
| Net charge-offs to loans | 0.6042% | 253 |
| Credit loss provision to net charge-offs | 31.6742% | 3,210 |
| Earnings coverage of net charge-offs (x) | 4.7195% | 2,948 |
| Efficiency ratio | 65.9595% | 2,537 |
| Assets per employee ($millions) | 5.3524% | 2,998 |
| Cash dividends to net income (ytd only)* | 86.8448% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8010% | 853 |
| Loan loss allowance to noncurrent loans | 86.5672% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2971% | 624 |
| Noncurrent loans to loans | 2.0805% | 536 |
| Net loans and leases to total assets | 46.4235% | 4,103 |
| Net loans and leases to deposits | 50.4079% | 4,298 |
| Net loans and leases to core deposits | 51.9511% | 4,343 |
| Total domestic deposits to total assets | 92.0957% | 60 |
| Equity capital to assets | 7.6841% | 4,804 |
| Core capital (leverage) ratio | 7.8485% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2721% | 1,197 |
| Memoranda: | ||
| Average total assets | $70,113,600 | 4,386 |
| Average earning assets | $61,799,800 | 4,423 |
| Average equity | $5,707,800 | 4,674 |
| Average total loans | $36,579,000 | 4,379 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 1,649 |
| Cost of funding earning assets | 0.1195% | 4,884 |
| Net interest margin | 4.3510% | 523 |
| Noninterest income to average assets | 0.6579% | 1,955 |
| Noninterest expense to average assets | 2.9236% | 1,640 |
| Loan and lease loss provision to assets | 0.1161% | 2,869 |
| Net operating income to assets | 1.4937% | 920 |
| Return on assets (ROA) | 1.4937% | 1,001 |
| Pretax return on assets | 1.4937% | 1,461 |
| Return on Equity (ROE) | 18.0731% | 358 |
| Retained earnings to average equity (ytd only) | 1.0301% | 4,249 |
| Net charge-offs to loans | 0.8173% | 166 |
| Credit loss provision to net charge-offs | 26.5487% | 2,962 |
| Earnings coverage of net charge-offs (x) | 3.6814% | 2,894 |
| Efficiency ratio | 64.4900% | 2,662 |
| Assets per employee ($millions) | 5.4811% | 2,727 |
| Cash dividends to net income (ytd only)* | 94.3005% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 813 |
| Loan loss allowance to noncurrent loans | 96.4396% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.2364% | 794 |
| Noncurrent loans to loans | 1.8097% | 735 |
| Net loans and leases to total assets | 49.2225% | 4,132 |
| Net loans and leases to deposits | 53.6522% | 4,349 |
| Net loans and leases to core deposits | 55.3892% | 4,401 |
| Total domestic deposits to total assets | 91.7436% | 76 |
| Equity capital to assets | 7.9687% | 4,723 |
| Core capital (leverage) ratio | 8.1151% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2290% | 1,018 |
| Memoranda: | ||
| Average total assets | $68,908,500 | 4,413 |
| Average earning assets | $61,379,000 | 4,439 |
| Average equity | $5,695,250 | 4,697 |
| Average total loans | $36,867,500 | 4,401 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 1,422 |
| Cost of funding earning assets | 0.1216% | 4,940 |
| Net interest margin | 4.5726% | 431 |
| Noninterest income to average assets | 0.6341% | 1,999 |
| Noninterest expense to average assets | 2.9563% | 1,696 |
| Loan and lease loss provision to assets | 0.0881% | 3,179 |
| Net operating income to assets | 1.6734% | 644 |
| Return on assets (ROA) | 1.6734% | 702 |
| Pretax return on assets | 1.6734% | 1,047 |
| Return on Equity (ROE) | 19.9965% | 244 |
| Retained earnings to average equity (ytd only) | -1.4383% | 4,530 |
| Net charge-offs to loans | -0.1020% | 4,855 |
| Credit loss provision to net charge-offs | -157.8947% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6633% | 3,015 |
| Assets per employee ($millions) | 5.1203% | 3,038 |
| Cash dividends to net income (ytd only)* | 107.1930% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2521% | 306 |
| Loan loss allowance to noncurrent loans | 425.3807% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 1,946 |
| Noncurrent loans to loans | 0.5294% | 2,578 |
| Net loans and leases to total assets | 50.7394% | 4,119 |
| Net loans and leases to deposits | 55.1843% | 4,326 |
| Net loans and leases to core deposits | 56.9558% | 4,403 |
| Total domestic deposits to total assets | 91.9452% | 54 |
| Equity capital to assets | 7.8316% | 4,796 |
| Core capital (leverage) ratio | 8.1367% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8270% | 1,295 |
| Memoranda: | ||
| Average total assets | $68,126,667 | 4,431 |
| Average earning assets | $60,841,000 | 4,455 |
| Average equity | $5,701,000 | 4,720 |
| Average total loans | $37,258,000 | 4,401 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 902 |
| Cost of funding earning assets | 0.1215% | 5,012 |
| Net interest margin | 4.9136% | 227 |
| Noninterest income to average assets | 0.7596% | 1,432 |
| Noninterest expense to average assets | 2.9662% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1824% | 186 |
| Return on assets (ROA) | 2.1824% | 204 |
| Pretax return on assets | 2.1824% | 304 |
| Return on Equity (ROE) | 25.2067% | 67 |
| Retained earnings to average equity (ytd only) | 16.0153% | 144 |
| Net charge-offs to loans | 0.0751% | 1,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 51.7143% | 878 |
| Efficiency ratio | 57.6112% | 4,055 |
| Assets per employee ($millions) | 4.7970% | 2,879 |
| Cash dividends to net income (ytd only)* | 36.4641% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1037% | 431 |
| Loan loss allowance to noncurrent loans | 471.0843% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.8621% | 1,548 |
| Noncurrent loans to loans | 0.4466% | 2,914 |
| Net loans and leases to total assets | 54.1871% | 3,977 |
| Net loans and leases to deposits | 59.4906% | 4,216 |
| Net loans and leases to core deposits | 61.2427% | 4,302 |
| Total domestic deposits to total assets | 91.0852% | 102 |
| Equity capital to assets | 8.7912% | 4,695 |
| Core capital (leverage) ratio | 8.8480% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3108% | 1,277 |
| Memoranda: | ||
| Average total assets | $66,348,000 | 4,462 |
| Average earning assets | $59,264,500 | 4,497 |
| Average equity | $5,744,500 | 4,756 |
| Average total loans | $37,282,000 | 4,425 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1328% | 1,143 |
| Cost of funding earning assets | 0.0934% | 5,112 |
| Net interest margin | 5.0394% | 246 |
| Noninterest income to average assets | 0.7839% | 1,498 |
| Noninterest expense to average assets | 3.1310% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.2477% | 202 |
| Return on assets (ROA) | 2.2477% | 216 |
| Pretax return on assets | 2.2477% | 347 |
| Return on Equity (ROE) | 25.1713% | 73 |
| Retained earnings to average equity (ytd only) | 0.7949% | 4,460 |
| Net charge-offs to loans | -0.7863% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2111% | 3,934 |
| Assets per employee ($millions) | 4.6813% | 2,973 |
| Cash dividends to net income (ytd only)* | 96.8421% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1101% | 389 |
| Loan loss allowance to noncurrent loans | 1,127.1429% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 1,862 |
| Noncurrent loans to loans | 0.1872% | 3,782 |
| Net loans and leases to total assets | 55.8485% | 3,931 |
| Net loans and leases to deposits | 61.1419% | 4,236 |
| Net loans and leases to core deposits | 62.9831% | 4,323 |
| Total domestic deposits to total assets | 91.3424% | 77 |
| Equity capital to assets | 8.5218% | 4,904 |
| Core capital (leverage) ratio | 8.9088% | 4,596 |
| Tier 1 risk-based capital ratio | 15.4442% | 2,601 |
| Total risk-based capital ratio | 16.7057% | 2,525 |
| Memoranda: | ||
| Average total assets | $63,399,200 | 4,540 |
| Average earning assets | $57,805,000 | 4,561 |
| Average equity | $5,661,200 | 4,804 |
| Average total loans | $36,243,600 | 4,496 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 1,103 |
| Cost of funding earning assets | 0.0907% | 5,192 |
| Net interest margin | 5.0810% | 245 |
| Noninterest income to average assets | 0.7720% | 1,513 |
| Noninterest expense to average assets | 3.1347% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2715% | 236 |
| Return on assets (ROA) | 2.2715% | 251 |
| Pretax return on assets | 2.2715% | 394 |
| Return on Equity (ROE) | 25.1390% | 88 |
| Retained earnings to average equity (ytd only) | 11.5250% | 448 |
| Net charge-offs to loans | -0.0482% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9835% | 3,940 |
| Assets per employee ($millions) | 4.3605% | 3,397 |
| Cash dividends to net income (ytd only)* | 54.1549% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 1,596 |
| Loan loss allowance to noncurrent loans | 539.5833% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.7896% | 1,746 |
| Noncurrent loans to loans | 0.2587% | 3,612 |
| Net loans and leases to total assets | 59.9473% | 3,677 |
| Net loans and leases to deposits | 66.7494% | 4,010 |
| Net loans and leases to core deposits | 68.9502% | 4,108 |
| Total domestic deposits to total assets | 89.8095% | 337 |
| Equity capital to assets | 9.8793% | 4,134 |
| Core capital (leverage) ratio | 9.9884% | 3,651 |
| Tier 1 risk-based capital ratio | 17.0531% | 2,067 |
| Total risk-based capital ratio | 18.3096% | 2,018 |
| Memoranda: | ||
| Average total assets | $62,864,500 | 4,603 |
| Average earning assets | $57,336,750 | 4,627 |
| Average equity | $5,680,250 | 4,859 |
| Average total loans | $35,956,750 | 4,563 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1043% | 1,207 |
| Cost of funding earning assets | 0.0832% | 5,242 |
| Net interest margin | 5.0212% | 280 |
| Noninterest income to average assets | 0.7405% | 1,554 |
| Noninterest expense to average assets | 3.0881% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2184% | 254 |
| Return on assets (ROA) | 2.2184% | 263 |
| Pretax return on assets | 2.2184% | 425 |
| Return on Equity (ROE) | 25.3086% | 90 |
| Retained earnings to average equity (ytd only) | 8.7717% | 1,101 |
| Net charge-offs to loans | -0.0056% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1948% | 3,987 |
| Assets per employee ($millions) | 4.4128% | 3,272 |
| Cash dividends to net income (ytd only)* | 65.3409% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 1,594 |
| Loan loss allowance to noncurrent loans | 144.1595% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.8919% | 1,566 |
| Noncurrent loans to loans | 0.9742% | 1,681 |
| Net loans and leases to total assets | 57.4985% | 3,960 |
| Net loans and leases to deposits | 63.6230% | 4,246 |
| Net loans and leases to core deposits | 65.6817% | 4,331 |
| Total domestic deposits to total assets | 90.3738% | 220 |
| Equity capital to assets | 9.3592% | 4,532 |
| Core capital (leverage) ratio | 9.3857% | 4,266 |
| Tier 1 risk-based capital ratio | 16.2238% | 2,319 |
| Total risk-based capital ratio | 17.4755% | 2,272 |
| Memoranda: | ||
| Average total assets | $63,470,330 | 4,630 |
| Average earning assets | $57,715,670 | 4,656 |
| Average equity | $5,563,330 | 4,911 |
| Average total loans | $35,571,000 | 4,606 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 1,461 |
| Cost of funding earning assets | 0.0611% | 5,320 |
| Net interest margin | 4.8934% | 340 |
| Noninterest income to average assets | 0.6344% | 1,889 |
| Noninterest expense to average assets | 3.1283% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9902% | 392 |
| Return on assets (ROA) | 1.9902% | 408 |
| Pretax return on assets | 1.9902% | 652 |
| Return on Equity (ROE) | 23.4690% | 133 |
| Retained earnings to average equity (ytd only) | 10.6344% | 894 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1179% | 3,664 |
| Assets per employee ($millions) | 4.6884% | 2,932 |
| Cash dividends to net income (ytd only)* | 54.6875% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 1,535 |
| Loan loss allowance to noncurrent loans | 900.0000% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 3,016 |
| Noncurrent loans to loans | 0.1602% | 4,027 |
| Net loans and leases to total assets | 52.4933% | 4,308 |
| Net loans and leases to deposits | 57.4509% | 4,527 |
| Net loans and leases to core deposits | 59.1776% | 4,603 |
| Total domestic deposits to total assets | 91.3707% | 110 |
| Equity capital to assets | 8.5059% | 4,985 |
| Core capital (leverage) ratio | 8.8429% | 4,759 |
| Tier 1 risk-based capital ratio | 16.1247% | 2,380 |
| Total risk-based capital ratio | 17.3762% | 2,335 |
| Memoranda: | ||
| Average total assets | $64,316,000 | 4,670 |
| Average earning assets | $58,937,000 | 4,674 |
| Average equity | $5,454,000 | 4,972 |
| Average total loans | $35,342,500 | 4,657 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 2,184 |
| Cost of funding earning assets | 0.0422% | 5,369 |
| Net interest margin | 4.5390% | 709 |
| Noninterest income to average assets | 0.7634% | 1,592 |
| Noninterest expense to average assets | 2.8992% | 2,357 |
| Loan and lease loss provision to assets | 0.1419% | 1,516 |
| Net operating income to assets | 1.8722% | 477 |
| Return on assets (ROA) | 1.8722% | 472 |
| Pretax return on assets | 1.8722% | 763 |
| Return on Equity (ROE) | 22.8522% | 132 |
| Retained earnings to average equity (ytd only) | 0.1318% | 4,947 |
| Net charge-offs to loans | 0.0351% | 2,704 |
| Credit loss provision to net charge-offs | 766.6667% | 464 |
| Earnings coverage of net charge-offs (x) | 108.8333% | 698 |
| Efficiency ratio | 59.0082% | 4,015 |
| Assets per employee ($millions) | 4.4996% | 3,169 |
| Cash dividends to net income (ytd only)* | 99.4234% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 1,588 |
| Loan loss allowance to noncurrent loans | 313.6646% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 1,718 |
| Noncurrent loans to loans | 0.4507% | 2,923 |
| Net loans and leases to total assets | 55.9108% | 4,140 |
| Net loans and leases to deposits | 61.1986% | 4,416 |
| Net loans and leases to core deposits | 63.1178% | 4,489 |
| Total domestic deposits to total assets | 91.3596% | 140 |
| Equity capital to assets | 8.4531% | 4,964 |
| Core capital (leverage) ratio | 8.9205% | 4,727 |
| Tier 1 risk-based capital ratio | 15.9456% | 2,423 |
| Total risk-based capital ratio | 17.1956% | 2,368 |
| Memoranda: | ||
| Average total assets | $64,844,800 | 4,680 |
| Average earning assets | $59,285,600 | 4,680 |
| Average equity | $5,312,400 | 5,003 |
| Average total loans | $34,220,400 | 4,712 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 2,393 |
| Cost of funding earning assets | 0.0448% | 5,437 |
| Net interest margin | 4.4268% | 855 |
| Noninterest income to average assets | 0.7574% | 1,643 |
| Noninterest expense to average assets | 2.8725% | 2,386 |
| Loan and lease loss provision to assets | 0.0817% | 2,317 |
| Net operating income to assets | 1.8374% | 568 |
| Return on assets (ROA) | 1.8374% | 566 |
| Pretax return on assets | 1.8374% | 929 |
| Return on Equity (ROE) | 22.6015% | 149 |
| Retained earnings to average equity (ytd only) | 5.0979% | 3,182 |
| Net charge-offs to loans | 0.0276% | 2,555 |
| Credit loss provision to net charge-offs | 571.4286% | 624 |
| Earnings coverage of net charge-offs (x) | 134.3301% | 602 |
| Efficiency ratio | 59.9489% | 3,820 |
| Assets per employee ($millions) | 4.4912% | 3,142 |
| Cash dividends to net income (ytd only)* | 77.4444% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,101 |
| Loan loss allowance to noncurrent loans | 230.1508% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 2,017 |
| Noncurrent loans to loans | 0.5642% | 2,688 |
| Net loans and leases to total assets | 55.3652% | 4,269 |
| Net loans and leases to deposits | 60.7932% | 4,510 |
| Net loans and leases to core deposits | 62.7096% | 4,585 |
| Total domestic deposits to total assets | 91.0715% | 200 |
| Equity capital to assets | 8.6455% | 4,836 |
| Core capital (leverage) ratio | 9.0849% | 4,626 |
| Tier 1 risk-based capital ratio | 16.5407% | 2,260 |
| Total risk-based capital ratio | 17.7961% | 2,198 |
| Memoranda: | ||
| Average total assets | $65,307,250 | 4,718 |
| Average earning assets | $59,514,500 | 4,724 |
| Average equity | $5,309,250 | 5,059 |
| Average total loans | $33,844,000 | 4,770 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 2,485 |
| Cost of funding earning assets | 0.0434% | 5,498 |
| Net interest margin | 4.3368% | 962 |
| Noninterest income to average assets | 0.7714% | 1,565 |
| Noninterest expense to average assets | 2.8344% | 2,562 |
| Loan and lease loss provision to assets | 0.0907% | 2,111 |
| Net operating income to assets | 1.7756% | 614 |
| Return on assets (ROA) | 1.7756% | 617 |
| Pretax return on assets | 1.7756% | 1,020 |
| Return on Equity (ROE) | 22.2897% | 150 |
| Retained earnings to average equity (ytd only) | 0.4936% | 4,864 |
| Net charge-offs to loans | -0.0240% | 4,646 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2960% | 3,896 |
| Assets per employee ($millions) | 4.6219% | 2,939 |
| Cash dividends to net income (ytd only)* | 97.7853% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 1,925 |
| Loan loss allowance to noncurrent loans | 850.0000% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 2,796 |
| Noncurrent loans to loans | 0.1592% | 4,192 |
| Net loans and leases to total assets | 51.7007% | 4,495 |
| Net loans and leases to deposits | 56.3882% | 4,731 |
| Net loans and leases to core deposits | 58.1021% | 4,790 |
| Total domestic deposits to total assets | 91.6871% | 123 |
| Equity capital to assets | 8.1150% | 5,184 |
| Core capital (leverage) ratio | 8.5651% | 5,063 |
| Tier 1 risk-based capital ratio | 16.1334% | 2,393 |
| Total risk-based capital ratio | 17.3825% | 2,329 |
| Memoranda: | ||
| Average total assets | $66,117,330 | 4,756 |
| Average earning assets | $59,905,330 | 4,768 |
| Average equity | $5,267,000 | 5,118 |
| Average total loans | $33,368,670 | 4,828 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2484% | 2,717 |
| Cost of funding earning assets | 0.0460% | 5,560 |
| Net interest margin | 4.2023% | 1,174 |
| Noninterest income to average assets | 0.7542% | 1,605 |
| Noninterest expense to average assets | 2.8194% | 2,634 |
| Loan and lease loss provision to assets | 0.0898% | 2,011 |
| Net operating income to assets | 1.6701% | 736 |
| Return on assets (ROA) | 1.6701% | 738 |
| Pretax return on assets | 1.6701% | 1,191 |
| Return on Equity (ROE) | 21.1564% | 188 |
| Retained earnings to average equity (ytd only) | -0.2275% | 4,826 |
| Net charge-offs to loans | -0.0363% | 4,826 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5686% | 3,864 |
| Assets per employee ($millions) | 5.2379% | 2,208 |
| Cash dividends to net income (ytd only)* | 101.0753% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,138 |
| Loan loss allowance to noncurrent loans | 3,407.6923% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 3,201 |
| Noncurrent loans to loans | 0.0388% | 4,799 |
| Net loans and leases to total assets | 48.5630% | 4,659 |
| Net loans and leases to deposits | 52.6963% | 4,851 |
| Net loans and leases to core deposits | 54.2081% | 4,908 |
| Total domestic deposits to total assets | 92.1563% | 92 |
| Equity capital to assets | 7.6983% | 5,366 |
| Core capital (leverage) ratio | 8.3531% | 5,227 |
| Tier 1 risk-based capital ratio | 16.3732% | 2,332 |
| Total risk-based capital ratio | 17.6295% | 2,271 |
| Memoranda: | ||
| Average total assets | $66,822,500 | 4,800 |
| Average earning assets | $60,823,500 | 4,807 |
| Average equity | $5,275,000 | 5,173 |
| Average total loans | $33,096,500 | 4,889 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,224 |
| Cost of funding earning assets | 0.0575% | 5,598 |
| Net interest margin | 4.2771% | 1,016 |
| Noninterest income to average assets | 0.7061% | 1,936 |
| Noninterest expense to average assets | 3.0794% | 1,921 |
| Loan and lease loss provision to assets | 0.1710% | 1,283 |
| Net operating income to assets | 1.3410% | 1,139 |
| Return on assets (ROA) | 1.3410% | 1,163 |
| Pretax return on assets | 1.3410% | 2,211 |
| Return on Equity (ROE) | 15.7810% | 507 |
| Retained earnings to average equity (ytd only) | 0.1863% | 4,944 |
| Net charge-offs to loans | 0.2569% | 1,016 |
| Credit loss provision to net charge-offs | 130.1205% | 2,020 |
| Earnings coverage of net charge-offs (x) | 11.5060% | 2,567 |
| Efficiency ratio | 67.0690% | 3,068 |
| Assets per employee ($millions) | 4.6823% | 2,892 |
| Cash dividends to net income (ytd only)* | 98.8194% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,214 |
| Loan loss allowance to noncurrent loans | 1,770.8333% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 3,121 |
| Noncurrent loans to loans | 0.0734% | 4,670 |
| Net loans and leases to total assets | 49.2083% | 4,692 |
| Net loans and leases to deposits | 53.6303% | 4,915 |
| Net loans and leases to core deposits | 55.2374% | 4,958 |
| Total domestic deposits to total assets | 91.7546% | 102 |
| Equity capital to assets | 8.0974% | 5,350 |
| Core capital (leverage) ratio | 8.4774% | 5,158 |
| Tier 1 risk-based capital ratio | 16.5072% | 2,261 |
| Total risk-based capital ratio | 17.7555% | 2,202 |
| Memoranda: | ||
| Average total assets | $63,161,800 | 4,896 |
| Average earning assets | $57,375,200 | 4,924 |
| Average equity | $5,367,200 | 5,211 |
| Average total loans | $32,311,200 | 4,957 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 2,095 |
| Cost of funding earning assets | 0.0611% | 5,659 |
| Net interest margin | 4.2931% | 939 |
| Noninterest income to average assets | 0.7480% | 1,797 |
| Noninterest expense to average assets | 3.1711% | 1,634 |
| Loan and lease loss provision to assets | 0.0852% | 2,387 |
| Net operating income to assets | 1.3873% | 1,121 |
| Return on assets (ROA) | 1.3873% | 1,136 |
| Pretax return on assets | 1.3873% | 2,152 |
| Return on Equity (ROE) | 16.1275% | 516 |
| Retained earnings to average equity (ytd only) | 1.2635% | 4,900 |
| Net charge-offs to loans | -0.1779% | 5,512 |
| Credit loss provision to net charge-offs | -93.0233% | 4,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2882% | 2,823 |
| Assets per employee ($millions) | 4.5988% | 2,981 |
| Cash dividends to net income (ytd only)* | 92.1657% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,581 |
| Loan loss allowance to noncurrent loans | 287.5000% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 2,219 |
| Noncurrent loans to loans | 0.5175% | 3,149 |
| Net loans and leases to total assets | 49.6715% | 4,723 |
| Net loans and leases to deposits | 54.4925% | 4,938 |
| Net loans and leases to core deposits | 56.1673% | 4,995 |
| Total domestic deposits to total assets | 91.1529% | 154 |
| Equity capital to assets | 8.4712% | 5,301 |
| Core capital (leverage) ratio | 8.8226% | 4,939 |
| Tier 1 risk-based capital ratio | 16.6776% | 2,258 |
| Total risk-based capital ratio | 17.9325% | 2,210 |
| Memoranda: | ||
| Average total assets | $62,564,250 | 4,962 |
| Average earning assets | $56,772,000 | 4,991 |
| Average equity | $5,382,000 | 5,263 |
| Average total loans | $32,218,500 | 5,009 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 2,243 |
| Cost of funding earning assets | 0.0458% | 5,729 |
| Net interest margin | 4.2179% | 1,044 |
| Noninterest income to average assets | 0.7166% | 1,919 |
| Noninterest expense to average assets | 3.3087% | 1,360 |
| Loan and lease loss provision to assets | 0.0807% | 2,371 |
| Net operating income to assets | 1.1911% | 1,624 |
| Return on assets (ROA) | 1.1911% | 1,660 |
| Pretax return on assets | 1.1911% | 2,799 |
| Return on Equity (ROE) | 13.7738% | 855 |
| Retained earnings to average equity (ytd only) | 2.2023% | 4,359 |
| Net charge-offs to loans | -0.2552% | 5,616 |
| Credit loss provision to net charge-offs | -60.9756% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2340% | 2,298 |
| Assets per employee ($millions) | 4.5569% | 3,021 |
| Cash dividends to net income (ytd only)* | 84.0108% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,712 |
| Loan loss allowance to noncurrent loans | 951.0204% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 2,436 |
| Noncurrent loans to loans | 0.1538% | 4,498 |
| Net loans and leases to total assets | 49.2123% | 4,753 |
| Net loans and leases to deposits | 53.9524% | 4,965 |
| Net loans and leases to core deposits | 55.6252% | 5,015 |
| Total domestic deposits to total assets | 91.2143% | 172 |
| Equity capital to assets | 8.5521% | 5,266 |
| Core capital (leverage) ratio | 9.0185% | 4,703 |
| Tier 1 risk-based capital ratio | 16.9408% | 2,167 |
| Total risk-based capital ratio | 18.1925% | 2,126 |
| Memoranda: | ||
| Average total assets | $61,958,000 | 5,017 |
| Average earning assets | $56,758,670 | 5,027 |
| Average equity | $5,358,000 | 5,301 |
| Average total loans | $32,137,000 | 5,037 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 1,884 |
| Cost of funding earning assets | 0.0501% | 5,783 |
| Net interest margin | 4.2793% | 829 |
| Noninterest income to average assets | 0.6619% | 2,131 |
| Noninterest expense to average assets | 3.3618% | 1,268 |
| Loan and lease loss provision to assets | 0.0655% | 2,487 |
| Net operating income to assets | 1.1534% | 1,652 |
| Return on assets (ROA) | 1.1534% | 1,688 |
| Pretax return on assets | 1.1534% | 2,765 |
| Return on Equity (ROE) | 13.2605% | 946 |
| Retained earnings to average equity (ytd only) | -0.6028% | 5,014 |
| Net charge-offs to loans | -0.1363% | 5,535 |
| Credit loss provision to net charge-offs | -90.9091% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3906% | 2,345 |
| Assets per employee ($millions) | 4.5228% | 3,133 |
| Cash dividends to net income (ytd only)* | 104.5455% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 2,403 |
| Loan loss allowance to noncurrent loans | 1,358.0645% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 2,568 |
| Noncurrent loans to loans | 0.0978% | 4,800 |
| Net loans and leases to total assets | 49.4149% | 4,721 |
| Net loans and leases to deposits | 54.0407% | 4,933 |
| Net loans and leases to core deposits | 55.7249% | 4,991 |
| Total domestic deposits to total assets | 91.4402% | 186 |
| Equity capital to assets | 8.4272% | 5,290 |
| Core capital (leverage) ratio | 8.8756% | 4,877 |
| Tier 1 risk-based capital ratio | 16.8662% | 2,230 |
| Total risk-based capital ratio | 18.1153% | 2,195 |
| Memoranda: | ||
| Average total assets | $61,038,500 | 5,093 |
| Average earning assets | $55,897,500 | 5,105 |
| Average equity | $5,309,000 | 5,358 |
| Average total loans | $32,274,500 | 5,080 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 1,848 |
| Cost of funding earning assets | 0.0586% | 5,822 |
| Net interest margin | 4.3325% | 882 |
| Noninterest income to average assets | 0.5879% | 2,722 |
| Noninterest expense to average assets | 3.9841% | 615 |
| Loan and lease loss provision to assets | 0.0233% | 3,901 |
| Net operating income to assets | 0.3964% | 4,954 |
| Return on assets (ROA) | 0.3964% | 5,035 |
| Pretax return on assets | 0.3964% | 5,229 |
| Return on Equity (ROE) | 4.3731% | 4,712 |
| Retained earnings to average equity (ytd only) | 0.2940% | 5,201 |
| Net charge-offs to loans | 0.1088% | 2,182 |
| Credit loss provision to net charge-offs | 40.0000% | 3,493 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 3,055 |
| Efficiency ratio | 90.4690% | 529 |
| Assets per employee ($millions) | 4.1970% | 3,628 |
| Cash dividends to net income (ytd only)* | 93.2773% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 3,010 |
| Loan loss allowance to noncurrent loans | 310.0775% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9071% | 2,094 |
| Noncurrent loans to loans | 0.3928% | 3,738 |
| Net loans and leases to total assets | 55.2078% | 4,331 |
| Net loans and leases to deposits | 60.7381% | 4,627 |
| Net loans and leases to core deposits | 62.7957% | 4,706 |
| Total domestic deposits to total assets | 90.8949% | 310 |
| Equity capital to assets | 8.9894% | 4,833 |
| Core capital (leverage) ratio | 9.4857% | 4,102 |
| Tier 1 risk-based capital ratio | 16.4902% | 2,357 |
| Total risk-based capital ratio | 17.6800% | 2,314 |
| Memoranda: | ||
| Average total assets | $60,039,400 | 5,140 |
| Average earning assets | $52,879,600 | 5,189 |
| Average equity | $5,442,400 | 5,384 |
| Average total loans | $32,173,000 | 5,128 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 2,071 |
| Cost of funding earning assets | 0.0607% | 5,885 |
| Net interest margin | 4.2709% | 978 |
| Noninterest income to average assets | 0.6870% | 2,226 |
| Noninterest expense to average assets | 4.0512% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3689% | 5,116 |
| Return on assets (ROA) | 0.3689% | 5,205 |
| Pretax return on assets | 0.3689% | 5,355 |
| Return on Equity (ROE) | 4.0613% | 4,876 |
| Retained earnings to average equity (ytd only) | -1.2161% | 5,517 |
| Net charge-offs to loans | 0.1291% | 1,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.3874% | 3,142 |
| Efficiency ratio | 91.6542% | 485 |
| Assets per employee ($millions) | 4.2796% | 3,447 |
| Cash dividends to net income (ytd only)* | 129.9425% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 3,328 |
| Loan loss allowance to noncurrent loans | 168.8312% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.0298% | 2,004 |
| Noncurrent loans to loans | 0.7027% | 2,931 |
| Net loans and leases to total assets | 54.2177% | 4,481 |
| Net loans and leases to deposits | 60.0843% | 4,750 |
| Net loans and leases to core deposits | 62.0943% | 4,825 |
| Total domestic deposits to total assets | 90.2360% | 393 |
| Equity capital to assets | 9.1982% | 4,973 |
| Core capital (leverage) ratio | 9.2768% | 4,489 |
| Tier 1 risk-based capital ratio | 16.3065% | 2,497 |
| Total risk-based capital ratio | 17.4702% | 2,491 |
| Memoranda: | ||
| Average total assets | $60,359,750 | 5,180 |
| Average earning assets | $52,758,750 | 5,237 |
| Average equity | $5,482,500 | 5,426 |
| Average total loans | $32,006,500 | 5,179 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 2,324 |
| Cost of funding earning assets | 0.0564% | 5,973 |
| Net interest margin | 4.1965% | 1,122 |
| Noninterest income to average assets | 0.7007% | 2,140 |
| Noninterest expense to average assets | 4.0722% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3173% | 5,267 |
| Return on assets (ROA) | 0.3173% | 5,354 |
| Pretax return on assets | 0.3173% | 5,476 |
| Return on Equity (ROE) | 3.5081% | 5,097 |
| Retained earnings to average equity (ytd only) | -4.4217% | 5,720 |
| Net charge-offs to loans | -0.1576% | 5,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7711% | 461 |
| Assets per employee ($millions) | 4.2334% | 3,493 |
| Cash dividends to net income (ytd only)* | 226.0417% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 2,436 |
| Loan loss allowance to noncurrent loans | 232.2917% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 2,425 |
| Noncurrent loans to loans | 0.5898% | 3,301 |
| Net loans and leases to total assets | 54.1735% | 4,493 |
| Net loans and leases to deposits | 59.9593% | 4,802 |
| Net loans and leases to core deposits | 61.9850% | 4,888 |
| Total domestic deposits to total assets | 90.3504% | 368 |
| Equity capital to assets | 9.2294% | 5,045 |
| Core capital (leverage) ratio | 9.1173% | 4,696 |
| Tier 1 risk-based capital ratio | 16.2730% | 2,516 |
| Total risk-based capital ratio | 17.5217% | 2,464 |
| Memoranda: | ||
| Average total assets | $60,508,330 | 5,231 |
| Average earning assets | $53,187,330 | 5,286 |
| Average equity | $5,473,000 | 5,481 |
| Average total loans | $31,717,330 | 5,242 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1690% | 2,587 |
| Cost of funding earning assets | 0.0588% | 6,029 |
| Net interest margin | 4.1102% | 1,309 |
| Noninterest income to average assets | 0.6740% | 2,154 |
| Noninterest expense to average assets | 3.9916% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3403% | 5,181 |
| Return on assets (ROA) | 0.3403% | 5,270 |
| Pretax return on assets | 0.3403% | 5,431 |
| Return on Equity (ROE) | 3.7994% | 4,959 |
| Retained earnings to average equity (ytd only) | -0.1461% | 5,129 |
| Net charge-offs to loans | 0.0128% | 2,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 861 |
| Efficiency ratio | 92.1450% | 541 |
| Assets per employee ($millions) | 4.3049% | 3,401 |
| Cash dividends to net income (ytd only)* | 103.8462% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 2,748 |
| Loan loss allowance to noncurrent loans | 4,666.6667% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 3,413 |
| Noncurrent loans to loans | 0.0285% | 5,380 |
| Net loans and leases to total assets | 51.6095% | 4,664 |
| Net loans and leases to deposits | 56.9702% | 4,921 |
| Net loans and leases to core deposits | 58.8567% | 5,005 |
| Total domestic deposits to total assets | 90.5904% | 405 |
| Equity capital to assets | 9.1823% | 5,003 |
| Core capital (leverage) ratio | 8.8797% | 4,983 |
| Tier 1 risk-based capital ratio | 17.0414% | 2,274 |
| Total risk-based capital ratio | 18.2903% | 2,234 |
| Memoranda: | ||
| Average total assets | $61,129,000 | 5,265 |
| Average earning assets | $54,401,000 | 5,308 |
| Average equity | $5,474,500 | 5,514 |
| Average total loans | $31,299,500 | 5,297 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,301 |
| Cost of funding earning assets | 0.0684% | 6,067 |
| Net interest margin | 4.2047% | 1,164 |
| Noninterest income to average assets | 0.7028% | 2,188 |
| Noninterest expense to average assets | 3.9648% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5089% | 4,659 |
| Return on assets (ROA) | 0.5089% | 4,746 |
| Pretax return on assets | 0.5089% | 5,088 |
| Return on Equity (ROE) | 5.8056% | 4,131 |
| Retained earnings to average equity (ytd only) | 2.2693% | 4,431 |
| Net charge-offs to loans | 0.0744% | 2,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 13.3478% | 2,378 |
| Efficiency ratio | 88.6254% | 788 |
| Assets per employee ($millions) | 4.4279% | 3,156 |
| Cash dividends to net income (ytd only)* | 60.9121% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 2,647 |
| Loan loss allowance to noncurrent loans | 561.3333% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 3,331 |
| Noncurrent loans to loans | 0.2414% | 4,568 |
| Net loans and leases to total assets | 49.4499% | 4,916 |
| Net loans and leases to deposits | 54.2491% | 5,152 |
| Net loans and leases to core deposits | 55.9829% | 5,206 |
| Total domestic deposits to total assets | 91.1534% | 246 |
| Equity capital to assets | 8.7353% | 5,357 |
| Core capital (leverage) ratio | 9.4045% | 4,313 |
| Tier 1 risk-based capital ratio | 17.0796% | 2,253 |
| Total risk-based capital ratio | 18.3307% | 2,209 |
| Memoranda: | ||
| Average total assets | $60,331,000 | 5,311 |
| Average earning assets | $54,106,600 | 5,338 |
| Average equity | $5,288,000 | 5,585 |
| Average total loans | $30,926,600 | 5,325 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 2,216 |
| Cost of funding earning assets | 0.0695% | 6,156 |
| Net interest margin | 4.2340% | 1,096 |
| Noninterest income to average assets | 0.8145% | 1,754 |
| Noninterest expense to average assets | 4.1501% | 562 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4584% | 4,938 |
| Return on assets (ROA) | 0.4584% | 5,036 |
| Pretax return on assets | 0.4584% | 5,333 |
| Return on Equity (ROE) | 5.2254% | 4,519 |
| Retained earnings to average equity (ytd only) | 0.5835% | 5,441 |
| Net charge-offs to loans | 0.1036% | 2,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 8.5831% | 2,795 |
| Efficiency ratio | 90.0531% | 694 |
| Assets per employee ($millions) | 4.2086% | 3,501 |
| Cash dividends to net income (ytd only)* | 88.8335% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,916 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 3,146 |
| Noncurrent loans to loans | 0.2676% | 4,624 |
| Net loans and leases to total assets | 52.5577% | 4,705 |
| Net loans and leases to deposits | 58.1769% | 4,991 |
| Net loans and leases to core deposits | 60.1546% | 5,056 |
| Total domestic deposits to total assets | 90.3411% | 451 |
| Equity capital to assets | 9.1514% | 5,162 |
| Core capital (leverage) ratio | 9.4348% | 4,385 |
| Tier 1 risk-based capital ratio | 16.7169% | 2,471 |
| Total risk-based capital ratio | 17.9664% | 2,429 |
| Memoranda: | ||
| Average total assets | $59,916,250 | 5,391 |
| Average earning assets | $53,691,500 | 5,413 |
| Average equity | $5,256,250 | 5,664 |
| Average total loans | $30,889,500 | 5,386 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 2,372 |
| Cost of funding earning assets | 0.0632% | 6,245 |
| Net interest margin | 4.1818% | 1,146 |
| Noninterest income to average assets | 0.6905% | 2,252 |
| Noninterest expense to average assets | 4.0698% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3519% | 5,291 |
| Return on assets (ROA) | 0.3519% | 5,401 |
| Pretax return on assets | 0.3519% | 5,569 |
| Return on Equity (ROE) | 4.0683% | 4,991 |
| Retained earnings to average equity (ytd only) | -2.9553% | 5,920 |
| Net charge-offs to loans | 0.0651% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 2,351 |
| Efficiency ratio | 92.0420% | 636 |
| Assets per employee ($millions) | 4.1748% | 3,520 |
| Cash dividends to net income (ytd only)* | 172.6415% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 2,783 |
| Loan loss allowance to noncurrent loans | 885.7143% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 3,466 |
| Noncurrent loans to loans | 0.1575% | 5,121 |
| Net loans and leases to total assets | 52.4852% | 4,712 |
| Net loans and leases to deposits | 57.8618% | 5,003 |
| Net loans and leases to core deposits | 59.8369% | 5,082 |
| Total domestic deposits to total assets | 90.7078% | 383 |
| Equity capital to assets | 8.9072% | 5,334 |
| Core capital (leverage) ratio | 9.0381% | 4,909 |
| Tier 1 risk-based capital ratio | 16.2368% | 2,738 |
| Total risk-based capital ratio | 17.4853% | 2,694 |
| Memoranda: | ||
| Average total assets | $60,248,330 | 5,442 |
| Average earning assets | $53,757,330 | 5,469 |
| Average equity | $5,211,000 | 5,725 |
| Average total loans | $30,723,670 | 5,443 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 2,372 |
| Cost of funding earning assets | 0.0668% | 6,308 |
| Net interest margin | 4.1570% | 1,154 |
| Noninterest income to average assets | 0.6084% | 2,603 |
| Noninterest expense to average assets | 4.0753% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1962% | 5,690 |
| Return on assets (ROA) | 0.1962% | 5,779 |
| Pretax return on assets | 0.1962% | 5,832 |
| Return on Equity (ROE) | 2.3017% | 5,611 |
| Retained earnings to average equity (ytd only) | 0.7672% | 5,148 |
| Net charge-offs to loans | -0.2227% | 6,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4058% | 527 |
| Assets per employee ($millions) | 4.2904% | 3,391 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 2,264 |
| Loan loss allowance to noncurrent loans | 640.2778% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.6709% | 3,475 |
| Noncurrent loans to loans | 0.2410% | 4,918 |
| Net loans and leases to total assets | 48.9611% | 4,944 |
| Net loans and leases to deposits | 53.8518% | 5,204 |
| Net loans and leases to core deposits | 55.6346% | 5,277 |
| Total domestic deposits to total assets | 90.9183% | 398 |
| Equity capital to assets | 8.8752% | 5,419 |
| Core capital (leverage) ratio | 8.8617% | 5,126 |
| Tier 1 risk-based capital ratio | 16.9016% | 2,520 |
| Total risk-based capital ratio | 18.1523% | 2,470 |
| Memoranda: | ||
| Average total assets | $61,149,000 | 5,477 |
| Average earning assets | $53,884,500 | 5,515 |
| Average equity | $5,213,500 | 5,777 |
| Average total loans | $30,530,500 | 5,485 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 2,460 |
| Cost of funding earning assets | 0.0738% | 6,387 |
| Net interest margin | 4.2667% | 1,118 |
| Noninterest income to average assets | 0.7159% | 2,235 |
| Noninterest expense to average assets | 4.0331% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4709% | 4,921 |
| Return on assets (ROA) | 0.4709% | 5,022 |
| Pretax return on assets | 0.4709% | 5,322 |
| Return on Equity (ROE) | 5.5651% | 4,379 |
| Retained earnings to average equity (ytd only) | 0.7339% | 5,434 |
| Net charge-offs to loans | 0.0247% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,109 |
| Efficiency ratio | 89.5442% | 877 |
| Assets per employee ($millions) | 4.1488% | 3,638 |
| Cash dividends to net income (ytd only)* | 86.8132% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 2,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 4,025 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 49.4071% | 5,028 |
| Net loans and leases to deposits | 53.8514% | 5,341 |
| Net loans and leases to core deposits | 56.0095% | 5,385 |
| Total domestic deposits to total assets | 91.7470% | 186 |
| Equity capital to assets | 8.1887% | 5,970 |
| Core capital (leverage) ratio | 9.1929% | 4,688 |
| Tier 1 risk-based capital ratio | 16.1371% | 2,896 |
| Total risk-based capital ratio | 17.3872% | 2,839 |
| Memoranda: | ||
| Average total assets | $57,969,600 | 5,602 |
| Average earning assets | $51,467,800 | 5,632 |
| Average equity | $4,905,600 | 5,881 |
| Average total loans | $28,353,400 | 5,636 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 2,546 |
| Cost of funding earning assets | 0.0764% | 6,466 |
| Net interest margin | 4.2433% | 1,176 |
| Noninterest income to average assets | 0.7334% | 2,169 |
| Noninterest expense to average assets | 4.0231% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4850% | 4,925 |
| Return on assets (ROA) | 0.4850% | 4,996 |
| Pretax return on assets | 0.4850% | 5,365 |
| Return on Equity (ROE) | 5.6811% | 4,403 |
| Retained earnings to average equity (ytd only) | -0.8234% | 5,937 |
| Net charge-offs to loans | -0.0386% | 5,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2412% | 902 |
| Assets per employee ($millions) | 3.7337% | 4,428 |
| Cash dividends to net income (ytd only)* | 114.4933% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 2,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 4,073 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 52.9658% | 4,701 |
| Net loans and leases to deposits | 58.5424% | 5,061 |
| Net loans and leases to core deposits | 61.1995% | 5,102 |
| Total domestic deposits to total assets | 90.4742% | 540 |
| Equity capital to assets | 8.9205% | 5,439 |
| Core capital (leverage) ratio | 9.3507% | 4,567 |
| Tier 1 risk-based capital ratio | 16.9061% | 2,645 |
| Total risk-based capital ratio | 18.1559% | 2,603 |
| Memoranda: | ||
| Average total assets | $56,904,000 | 5,693 |
| Average earning assets | $50,619,500 | 5,717 |
| Average equity | $4,858,000 | 5,951 |
| Average total loans | $27,644,000 | 5,722 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 2,724 |
| Cost of funding earning assets | 0.0718% | 6,546 |
| Net interest margin | 4.1912% | 1,269 |
| Noninterest income to average assets | 0.7377% | 2,101 |
| Noninterest expense to average assets | 3.9823% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4300% | 5,099 |
| Return on assets (ROA) | 0.4300% | 5,186 |
| Pretax return on assets | 0.4300% | 5,480 |
| Return on Equity (ROE) | 5.1122% | 4,625 |
| Retained earnings to average equity (ytd only) | -4.7382% | 6,221 |
| Net charge-offs to loans | -0.0522% | 5,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2536% | 896 |
| Assets per employee ($millions) | 3.9309% | 3,998 |
| Cash dividends to net income (ytd only)* | 192.6829% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6265% | 2,370 |
| Loan loss allowance to noncurrent loans | 610.6667% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 3,924 |
| Noncurrent loans to loans | 0.2663% | 5,223 |
| Net loans and leases to total assets | 46.9795% | 5,270 |
| Net loans and leases to deposits | 51.4955% | 5,530 |
| Net loans and leases to core deposits | 53.6914% | 5,575 |
| Total domestic deposits to total assets | 91.2302% | 332 |
| Equity capital to assets | 8.3356% | 5,927 |
| Core capital (leverage) ratio | 9.2732% | 4,636 |
| Tier 1 risk-based capital ratio | 17.2240% | 2,526 |
| Total risk-based capital ratio | 18.4751% | 2,489 |
| Memoranda: | ||
| Average total assets | $57,203,330 | 5,736 |
| Average earning assets | $50,152,330 | 5,781 |
| Average equity | $4,812,000 | 6,004 |
| Average total loans | $26,817,670 | 5,809 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 2,224 |
| Cost of funding earning assets | 0.0742% | 6,617 |
| Net interest margin | 4.3055% | 983 |
| Noninterest income to average assets | 0.6960% | 2,193 |
| Noninterest expense to average assets | 4.0694% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3338% | 5,379 |
| Return on assets (ROA) | 0.3338% | 5,430 |
| Pretax return on assets | 0.3338% | 5,637 |
| Return on Equity (ROE) | 3.9492% | 5,062 |
| Retained earnings to average equity (ytd only) | -2.3527% | 5,893 |
| Net charge-offs to loans | 0.0612% | 2,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,761 |
| Efficiency ratio | 92.4194% | 850 |
| Assets per employee ($millions) | 3.5810% | 4,766 |
| Cash dividends to net income (ytd only)* | 159.5745% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 2,341 |
| Loan loss allowance to noncurrent loans | 1,146.1538% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 4,201 |
| Noncurrent loans to loans | 0.1487% | 5,641 |
| Net loans and leases to total assets | 45.0031% | 5,428 |
| Net loans and leases to deposits | 49.2964% | 5,646 |
| Net loans and leases to core deposits | 51.4609% | 5,649 |
| Total domestic deposits to total assets | 91.2908% | 453 |
| Equity capital to assets | 8.4264% | 5,716 |
| Core capital (leverage) ratio | 9.4801% | 4,314 |
| Tier 1 risk-based capital ratio | 18.4114% | 2,145 |
| Total risk-based capital ratio | 19.6617% | 2,112 |
| Memoranda: | ||
| Average total assets | $56,323,000 | 5,801 |
| Average earning assets | $48,496,000 | 5,881 |
| Average equity | $4,760,500 | 6,057 |
| Average total loans | $26,147,000 | 5,888 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 2,792 |
| Cost of funding earning assets | 0.0968% | 6,682 |
| Net interest margin | 4.2479% | 1,227 |
| Noninterest income to average assets | 0.7837% | 2,150 |
| Noninterest expense to average assets | 4.0305% | 847 |
| Loan and lease loss provision to assets | -0.0444% | 6,368 |
| Net operating income to assets | 0.3839% | 5,197 |
| Return on assets (ROA) | 0.3839% | 5,311 |
| Pretax return on assets | 0.3839% | 5,527 |
| Return on Equity (ROE) | 4.3865% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.5133% | 3,729 |
| Net charge-offs to loans | -0.4637% | 6,719 |
| Credit loss provision to net charge-offs | 22.9358% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2326% | 864 |
| Assets per employee ($millions) | 3.9536% | 3,960 |
| Cash dividends to net income (ytd only)* | 19.9074% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 2,300 |
| Loan loss allowance to noncurrent loans | 2,652.9412% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 4,350 |
| Noncurrent loans to loans | 0.0652% | 6,025 |
| Net loans and leases to total assets | 46.2710% | 5,465 |
| Net loans and leases to deposits | 50.6878% | 5,715 |
| Net loans and leases to core deposits | 52.9952% | 5,730 |
| Total domestic deposits to total assets | 91.2864% | 471 |
| Equity capital to assets | 8.4788% | 5,599 |
| Core capital (leverage) ratio | 10.1825% | 3,319 |
| Tier 1 risk-based capital ratio | 18.5429% | 2,065 |
| Total risk-based capital ratio | 19.6162% | 2,085 |
| Memoranda: | ||
| Average total assets | $56,271,400 | 5,857 |
| Average earning assets | $47,506,200 | 5,952 |
| Average equity | $4,924,200 | 6,082 |
| Average total loans | $23,506,800 | 6,056 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 3,309 |
| Cost of funding earning assets | 0.1032% | 6,759 |
| Net interest margin | 4.1187% | 1,575 |
| Noninterest income to average assets | 0.8401% | 1,977 |
| Noninterest expense to average assets | 3.8228% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5026% | 4,777 |
| Return on assets (ROA) | 0.5026% | 4,944 |
| Pretax return on assets | 0.5026% | 5,350 |
| Return on Equity (ROE) | 5.7003% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.5496% | 3,435 |
| Net charge-offs to loans | -0.2799% | 6,712 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3797% | 1,129 |
| Assets per employee ($millions) | 3.9488% | 3,938 |
| Cash dividends to net income (ytd only)* | 20.1873% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 2,882 |
| Loan loss allowance to noncurrent loans | 2,441.1765% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 4,425 |
| Noncurrent loans to loans | 0.0668% | 6,137 |
| Net loans and leases to total assets | 45.2906% | 5,603 |
| Net loans and leases to deposits | 50.1071% | 5,831 |
| Net loans and leases to core deposits | 52.4147% | 5,867 |
| Total domestic deposits to total assets | 90.3876% | 796 |
| Equity capital to assets | 8.6808% | 5,543 |
| Core capital (leverage) ratio | 9.7012% | 4,103 |
| Tier 1 risk-based capital ratio | 18.6646% | 2,090 |
| Total risk-based capital ratio | 19.9124% | 2,064 |
| Memoranda: | ||
| Average total assets | $56,501,750 | 5,916 |
| Average earning assets | $47,812,750 | 6,012 |
| Average equity | $4,982,000 | 6,143 |
| Average total loans | $22,868,000 | 6,145 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 3,636 |
| Cost of funding earning assets | 0.1164% | 6,790 |
| Net interest margin | 4.0106% | 1,820 |
| Noninterest income to average assets | 0.8118% | 2,137 |
| Noninterest expense to average assets | 3.4652% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7380% | 3,624 |
| Return on assets (ROA) | 0.7380% | 3,783 |
| Pretax return on assets | 0.7380% | 4,548 |
| Return on Equity (ROE) | 8.3284% | 2,929 |
| Retained earnings to average equity (ytd only) | 6.6230% | 2,079 |
| Net charge-offs to loans | -0.1999% | 6,665 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4415% | 1,829 |
| Assets per employee ($millions) | 3.9804% | 3,851 |
| Cash dividends to net income (ytd only)* | 20.4762% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 2,881 |
| Loan loss allowance to noncurrent loans | 2,047.3684% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 4,433 |
| Noncurrent loans to loans | 0.0818% | 6,149 |
| Net loans and leases to total assets | 40.9978% | 5,968 |
| Net loans and leases to deposits | 44.8947% | 6,174 |
| Net loans and leases to core deposits | 47.7072% | 6,145 |
| Total domestic deposits to total assets | 91.3199% | 437 |
| Equity capital to assets | 8.3517% | 5,922 |
| Core capital (leverage) ratio | 9.3556% | 4,459 |
| Tier 1 risk-based capital ratio | 19.4732% | 1,864 |
| Total risk-based capital ratio | 20.7249% | 1,836 |
| Memoranda: | ||
| Average total assets | $56,908,000 | 5,948 |
| Average earning assets | $48,122,330 | 6,038 |
| Average equity | $5,043,000 | 6,170 |
| Average total loans | $22,006,330 | 6,223 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9869% | 4,173 |
| Cost of funding earning assets | 0.1146% | 6,879 |
| Net interest margin | 3.8722% | 2,209 |
| Noninterest income to average assets | 0.8348% | 1,983 |
| Noninterest expense to average assets | 3.4226% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7026% | 3,674 |
| Return on assets (ROA) | 0.7026% | 3,816 |
| Pretax return on assets | 0.7026% | 4,571 |
| Return on Equity (ROE) | 7.7136% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.4296% | 3,579 |
| Net charge-offs to loans | -0.3927% | 6,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9680% | 1,889 |
| Assets per employee ($millions) | 4.1501% | 3,626 |
| Cash dividends to net income (ytd only)* | 42.5743% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 2,742 |
| Loan loss allowance to noncurrent loans | 5,542.8571% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 4,629 |
| Noncurrent loans to loans | 0.0319% | 6,399 |
| Net loans and leases to total assets | 37.0831% | 6,216 |
| Net loans and leases to deposits | 40.8416% | 6,384 |
| Net loans and leases to core deposits | 43.3042% | 6,351 |
| Total domestic deposits to total assets | 90.7972% | 615 |
| Equity capital to assets | 9.0066% | 5,475 |
| Core capital (leverage) ratio | 9.0546% | 4,800 |
| Tier 1 risk-based capital ratio | 19.6237% | 1,872 |
| Total risk-based capital ratio | 20.8742% | 1,849 |
| Memoranda: | ||
| Average total assets | $57,499,500 | 5,978 |
| Average earning assets | $48,860,500 | 6,073 |
| Average equity | $5,237,500 | 6,179 |
| Average total loans | $21,392,000 | 6,294 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 4,726 |
| Cost of funding earning assets | 0.1735% | 6,883 |
| Net interest margin | 3.9886% | 2,438 |
| Noninterest income to average assets | 0.9971% | 1,544 |
| Noninterest expense to average assets | 4.0272% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3489% | 5,297 |
| Return on assets (ROA) | 0.3808% | 5,406 |
| Pretax return on assets | 0.3808% | 5,623 |
| Return on Equity (ROE) | 4.0360% | 5,125 |
| Retained earnings to average equity (ytd only) | -1.5956% | 6,102 |
| Net charge-offs to loans | -0.2001% | 6,937 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0275% | 917 |
| Assets per employee ($millions) | 4.0641% | 3,829 |
| Cash dividends to net income (ytd only)* | 139.5349% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7602% | 2,724 |
| Loan loss allowance to noncurrent loans | 12,233.3333% | 63 |
| Noncurrent assets plus other real estate owned to assets | 1.0686% | 3,893 |
| Noncurrent loans to loans | 0.0144% | 6,505 |
| Net loans and leases to total assets | 36.0001% | 6,435 |
| Net loans and leases to deposits | 39.7080% | 6,571 |
| Net loans and leases to core deposits | 42.0734% | 6,544 |
| Total domestic deposits to total assets | 90.6621% | 631 |
| Equity capital to assets | 9.2131% | 5,254 |
| Core capital (leverage) ratio | 9.4036% | 4,249 |
| Tier 1 risk-based capital ratio | 20.1262% | 1,642 |
| Total risk-based capital ratio | 21.3841% | 1,616 |
| Memoranda: | ||
| Average total assets | $56,466,000 | 6,012 |
| Average earning assets | $47,836,200 | 6,127 |
| Average equity | $5,327,000 | 6,199 |
| Average total loans | $20,991,600 | 6,378 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 5,064 |
| Cost of funding earning assets | 0.1815% | 6,984 |
| Net interest margin | 3.9525% | 2,694 |
| Noninterest income to average assets | 1.0551% | 1,357 |
| Noninterest expense to average assets | 3.8727% | 1,103 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5820% | 4,471 |
| Return on assets (ROA) | 0.6340% | 4,473 |
| Pretax return on assets | 0.6340% | 5,069 |
| Return on Equity (ROE) | 6.6811% | 3,972 |
| Retained earnings to average equity (ytd only) | 1.1967% | 5,696 |
| Net charge-offs to loans | -0.0761% | 6,797 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9357% | 1,308 |
| Assets per employee ($millions) | 3.6531% | 4,648 |
| Cash dividends to net income (ytd only)* | 82.0917% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 3,692 |
| Loan loss allowance to noncurrent loans | 591.2281% | 662 |
| Noncurrent assets plus other real estate owned to assets | 1.2081% | 3,875 |
| Noncurrent loans to loans | 0.2638% | 5,960 |
| Net loans and leases to total assets | 38.8112% | 6,367 |
| Net loans and leases to deposits | 43.4162% | 6,533 |
| Net loans and leases to core deposits | 46.2487% | 6,508 |
| Total domestic deposits to total assets | 89.3934% | 1,197 |
| Equity capital to assets | 9.8730% | 4,677 |
| Core capital (leverage) ratio | 9.4102% | 4,418 |
| Tier 1 risk-based capital ratio | 20.0406% | 1,743 |
| Total risk-based capital ratio | 21.2959% | 1,715 |
| Memoranda: | ||
| Average total assets | $56,358,250 | 6,082 |
| Average earning assets | $48,474,500 | 6,182 |
| Average equity | $5,348,250 | 6,260 |
| Average total loans | $21,027,000 | 6,462 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 5,216 |
| Cost of funding earning assets | 0.1928% | 7,043 |
| Net interest margin | 3.9330% | 2,776 |
| Noninterest income to average assets | 1.1674% | 1,045 |
| Noninterest expense to average assets | 3.7905% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7490% | 3,609 |
| Return on assets (ROA) | 0.8263% | 3,531 |
| Pretax return on assets | 0.8263% | 4,375 |
| Return on Equity (ROE) | 8.8219% | 2,885 |
| Retained earnings to average equity (ytd only) | 0.5631% | 5,839 |
| Net charge-offs to loans | -0.1344% | 6,918 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5012% | 1,685 |
| Assets per employee ($millions) | 3.7523% | 4,415 |
| Cash dividends to net income (ytd only)* | 93.6170% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 3,330 |
| Loan loss allowance to noncurrent loans | 236.1111% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 3,949 |
| Noncurrent loans to loans | 0.7104% | 5,085 |
| Net loans and leases to total assets | 35.4079% | 6,644 |
| Net loans and leases to deposits | 39.3659% | 6,756 |
| Net loans and leases to core deposits | 41.8457% | 6,741 |
| Total domestic deposits to total assets | 89.9456% | 954 |
| Equity capital to assets | 9.5640% | 4,960 |
| Core capital (leverage) ratio | 9.3789% | 4,323 |
| Tier 1 risk-based capital ratio | 20.5323% | 1,565 |
| Total risk-based capital ratio | 21.7875% | 1,548 |
| Memoranda: | ||
| Average total assets | $56,879,000 | 6,111 |
| Average earning assets | $48,767,000 | 6,206 |
| Average equity | $5,327,670 | 6,295 |
| Average total loans | $20,834,670 | 6,521 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 5,523 |
| Cost of funding earning assets | 0.1947% | 7,116 |
| Net interest margin | 3.8863% | 2,982 |
| Noninterest income to average assets | 1.4481% | 688 |
| Noninterest expense to average assets | 3.7708% | 1,252 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0284% | 2,366 |
| Return on assets (ROA) | 1.0284% | 2,553 |
| Pretax return on assets | 1.0284% | 3,578 |
| Return on Equity (ROE) | 11.0943% | 1,988 |
| Retained earnings to average equity (ytd only) | -5.5094% | 6,619 |
| Net charge-offs to loans | -0.0189% | 6,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 2,416 |
| Assets per employee ($millions) | 3.8735% | 4,253 |
| Cash dividends to net income (ytd only)* | 149.6599% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,951 |
| Loan loss allowance to noncurrent loans | 472.4638% | 714 |
| Noncurrent assets plus other real estate owned to assets | 1.2013% | 4,119 |
| Noncurrent loans to loans | 0.3277% | 6,014 |
| Net loans and leases to total assets | 35.6838% | 6,641 |
| Net loans and leases to deposits | 39.3483% | 6,769 |
| Net loans and leases to core deposits | 41.7239% | 6,761 |
| Total domestic deposits to total assets | 90.6871% | 697 |
| Equity capital to assets | 9.0565% | 5,412 |
| Core capital (leverage) ratio | 8.9341% | 4,936 |
| Tier 1 risk-based capital ratio | 19.3818% | 1,878 |
| Total risk-based capital ratio | 20.5944% | 1,852 |
| Memoranda: | ||
| Average total assets | $57,176,500 | 6,147 |
| Average earning assets | $49,301,000 | 6,228 |
| Average equity | $5,300,000 | 6,334 |
| Average total loans | $21,117,500 | 6,554 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 5,391 |
| Cost of funding earning assets | 0.2818% | 7,134 |
| Net interest margin | 4.1255% | 2,328 |
| Noninterest income to average assets | 0.7956% | 2,087 |
| Noninterest expense to average assets | 3.8738% | 1,223 |
| Loan and lease loss provision to assets | 0.1075% | 5,249 |
| Net operating income to assets | 0.3817% | 4,940 |
| Return on assets (ROA) | 0.3745% | 5,147 |
| Pretax return on assets | 0.3745% | 5,369 |
| Return on Equity (ROE) | 3.9559% | 4,869 |
| Retained earnings to average equity (ytd only) | -1.1546% | 6,035 |
| Net charge-offs to loans | 0.6080% | 2,624 |
| Credit loss provision to net charge-offs | 44.4444% | 5,544 |
| Earnings coverage of net charge-offs (x) | 2.0222% | 4,257 |
| Efficiency ratio | 88.7885% | 1,290 |
| Assets per employee ($millions) | 3.7501% | 4,437 |
| Cash dividends to net income (ytd only)* | 129.1866% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 3,856 |
| Loan loss allowance to noncurrent loans | 106.5574% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 4,577 |
| Noncurrent loans to loans | 1.4403% | 4,005 |
| Net loans and leases to total assets | 37.0678% | 6,699 |
| Net loans and leases to deposits | 41.0033% | 6,831 |
| Net loans and leases to core deposits | 43.5739% | 6,829 |
| Total domestic deposits to total assets | 90.4019% | 762 |
| Equity capital to assets | 9.4896% | 4,903 |
| Core capital (leverage) ratio | 9.1048% | 4,610 |
| Tier 1 risk-based capital ratio | 19.9924% | 1,645 |
| Total risk-based capital ratio | 20.5409% | 1,790 |
| Memoranda: | ||
| Average total assets | $55,810,200 | 6,170 |
| Average earning assets | $48,261,000 | 6,250 |
| Average equity | $5,283,200 | 6,355 |
| Average total loans | $22,202,400 | 6,545 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 5,470 |
| Cost of funding earning assets | 0.3017% | 7,207 |
| Net interest margin | 4.1353% | 2,330 |
| Noninterest income to average assets | 0.8019% | 2,049 |
| Noninterest expense to average assets | 3.7198% | 1,455 |
| Loan and lease loss provision to assets | 0.0718% | 5,559 |
| Net operating income to assets | 0.5865% | 4,148 |
| Return on assets (ROA) | 0.5865% | 4,332 |
| Pretax return on assets | 0.5865% | 4,859 |
| Return on Equity (ROE) | 6.1991% | 3,925 |
| Retained earnings to average equity (ytd only) | -0.6325% | 6,092 |
| Net charge-offs to loans | 0.0594% | 5,374 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 27.5064% | 989 |
| Efficiency ratio | 84.9645% | 1,640 |
| Assets per employee ($millions) | 3.8586% | 4,171 |
| Cash dividends to net income (ytd only)* | 110.2033% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9587% | 2,448 |
| Loan loss allowance to noncurrent loans | 75.1342% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3200% | 4,162 |
| Noncurrent loans to loans | 2.6069% | 2,666 |
| Net loans and leases to total assets | 36.3223% | 6,853 |
| Net loans and leases to deposits | 40.3133% | 6,967 |
| Net loans and leases to core deposits | 43.0870% | 6,949 |
| Total domestic deposits to total assets | 90.1000% | 814 |
| Equity capital to assets | 9.3333% | 5,328 |
| Core capital (leverage) ratio | 9.3103% | 4,433 |
| Tier 1 risk-based capital ratio | 19.7792% | 1,741 |
| Total risk-based capital ratio | 21.0358% | 1,710 |
| Memoranda: | ||
| Average total assets | $55,700,000 | 6,219 |
| Average earning assets | $48,169,500 | 6,306 |
| Average equity | $5,269,500 | 6,412 |
| Average total loans | $22,459,000 | 6,602 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 5,235 |
| Cost of funding earning assets | 0.3241% | 7,271 |
| Net interest margin | 4.2128% | 1,981 |
| Noninterest income to average assets | 0.8004% | 2,012 |
| Noninterest expense to average assets | 3.7472% | 1,452 |
| Loan and lease loss provision to assets | 0.1091% | 4,935 |
| Net operating income to assets | 0.5857% | 4,128 |
| Return on assets (ROA) | 0.5857% | 4,258 |
| Pretax return on assets | 0.5857% | 4,787 |
| Return on Equity (ROE) | 6.1623% | 3,882 |
| Retained earnings to average equity (ytd only) | -4.1720% | 6,487 |
| Net charge-offs to loans | 0.2456% | 3,649 |
| Credit loss provision to net charge-offs | 107.1429% | 2,876 |
| Earnings coverage of net charge-offs (x) | 6.8214% | 2,327 |
| Efficiency ratio | 84.3571% | 1,773 |
| Assets per employee ($millions) | 3.6274% | 4,622 |
| Cash dividends to net income (ytd only)* | 167.7019% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 2,974 |
| Loan loss allowance to noncurrent loans | 103.3419% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7701% | 5,358 |
| Noncurrent loans to loans | 1.7464% | 3,824 |
| Net loans and leases to total assets | 40.1996% | 6,730 |
| Net loans and leases to deposits | 44.7575% | 6,896 |
| Net loans and leases to core deposits | 48.0567% | 6,855 |
| Total domestic deposits to total assets | 89.8164% | 1,065 |
| Equity capital to assets | 9.7774% | 4,416 |
| Core capital (leverage) ratio | 9.6096% | 3,795 |
| Tier 1 risk-based capital ratio | 19.8093% | 1,650 |
| Total risk-based capital ratio | 20.0325% | 1,873 |
| Memoranda: | ||
| Average total assets | $54,973,670 | 6,297 |
| Average earning assets | $47,522,000 | 6,380 |
| Average equity | $5,225,330 | 6,455 |
| Average total loans | $22,797,670 | 6,647 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 5,469 |
| Cost of funding earning assets | 0.3485% | 7,316 |
| Net interest margin | 4.1161% | 2,210 |
| Noninterest income to average assets | 0.6950% | 2,609 |
| Noninterest expense to average assets | 3.7209% | 1,498 |
| Loan and lease loss provision to assets | 0.1086% | 4,655 |
| Net operating income to assets | 0.4561% | 4,686 |
| Return on assets (ROA) | 0.4561% | 4,775 |
| Pretax return on assets | 0.4561% | 5,167 |
| Return on Equity (ROE) | 4.8667% | 4,470 |
| Retained earnings to average equity (ytd only) | -15.9907% | 7,069 |
| Net charge-offs to loans | 0.0347% | 4,611 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 695 |
| Efficiency ratio | 86.8243% | 1,627 |
| Assets per employee ($millions) | 3.7212% | 4,493 |
| Cash dividends to net income (ytd only)* | 428.5714% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 2,936 |
| Loan loss allowance to noncurrent loans | 103.7688% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 5,379 |
| Noncurrent loans to loans | 1.7581% | 3,878 |
| Net loans and leases to total assets | 39.8169% | 6,791 |
| Net loans and leases to deposits | 43.9004% | 6,959 |
| Net loans and leases to core deposits | 47.4690% | 6,901 |
| Total domestic deposits to total assets | 90.6983% | 762 |
| Equity capital to assets | 9.1064% | 5,035 |
| Core capital (leverage) ratio | 9.1650% | 4,349 |
| Tier 1 risk-based capital ratio | 18.6798% | 1,904 |
| Total risk-based capital ratio | 19.9048% | 1,861 |
| Memoranda: | ||
| Average total assets | $55,255,000 | 6,334 |
| Average earning assets | $48,201,500 | 6,404 |
| Average equity | $5,178,000 | 6,494 |
| Average total loans | $23,059,000 | 6,690 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 5,114 |
| Cost of funding earning assets | 0.4765% | 7,330 |
| Net interest margin | 4.4033% | 1,459 |
| Noninterest income to average assets | 0.7790% | 2,384 |
| Noninterest expense to average assets | 4.0825% | 1,047 |
| Loan and lease loss provision to assets | 0.1911% | 5,319 |
| Net operating income to assets | 0.4446% | 4,344 |
| Return on assets (ROA) | 0.4410% | 4,517 |
| Pretax return on assets | 0.4410% | 4,822 |
| Return on Equity (ROE) | 4.5194% | 4,290 |
| Retained earnings to average equity (ytd only) | 2.9188% | 3,814 |
| Net charge-offs to loans | 1.0802% | 2,057 |
| Credit loss provision to net charge-offs | 39.0977% | 6,402 |
| Earnings coverage of net charge-offs (x) | 1.3008% | 4,798 |
| Efficiency ratio | 86.5265% | 1,628 |
| Assets per employee ($millions) | 3.6461% | 4,593 |
| Cash dividends to net income (ytd only)* | 35.4167% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 3,202 |
| Loan loss allowance to noncurrent loans | 104.7120% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 5,299 |
| Noncurrent loans to loans | 1.6269% | 4,065 |
| Net loans and leases to total assets | 42.2000% | 6,837 |
| Net loans and leases to deposits | 46.7471% | 7,009 |
| Net loans and leases to core deposits | 50.6507% | 6,956 |
| Total domestic deposits to total assets | 90.2728% | 945 |
| Equity capital to assets | 9.6413% | 4,219 |
| Core capital (leverage) ratio | 10.0261% | 3,064 |
| Tier 1 risk-based capital ratio | 19.1342% | 1,686 |
| Total risk-based capital ratio | 20.3588% | 1,658 |
| Memoranda: | ||
| Average total assets | $54,426,800 | 6,388 |
| Average earning assets | $48,690,800 | 6,414 |
| Average equity | $5,310,400 | 6,562 |
| Average total loans | $24,626,000 | 6,697 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 5,219 |
| Cost of funding earning assets | 0.5013% | 7,445 |
| Net interest margin | 4.4081% | 1,501 |
| Noninterest income to average assets | 0.7873% | 2,300 |
| Noninterest expense to average assets | 3.8164% | 1,353 |
| Loan and lease loss provision to assets | 0.2330% | 4,743 |
| Net operating income to assets | 0.7064% | 3,382 |
| Return on assets (ROA) | 0.7064% | 3,533 |
| Pretax return on assets | 0.7064% | 4,211 |
| Return on Equity (ROE) | 7.2182% | 3,248 |
| Retained earnings to average equity (ytd only) | 5.0878% | 2,923 |
| Net charge-offs to loans | 1.2363% | 1,650 |
| Credit loss provision to net charge-offs | 41.1255% | 6,002 |
| Earnings coverage of net charge-offs (x) | 1.6580% | 4,462 |
| Efficiency ratio | 80.2476% | 2,303 |
| Assets per employee ($millions) | 3.4933% | 5,001 |
| Cash dividends to net income (ytd only)* | 29.5138% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7223% | 3,090 |
| Loan loss allowance to noncurrent loans | 45.1750% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 1.9408% | 3,552 |
| Noncurrent loans to loans | 3.8126% | 2,015 |
| Net loans and leases to total assets | 46.3893% | 6,661 |
| Net loans and leases to deposits | 52.1396% | 6,890 |
| Net loans and leases to core deposits | 55.7255% | 6,873 |
| Total domestic deposits to total assets | 88.9714% | 1,401 |
| Equity capital to assets | 10.5324% | 3,483 |
| Core capital (leverage) ratio | 10.1545% | 3,092 |
| Tier 1 risk-based capital ratio | 18.7916% | 1,797 |
| Total risk-based capital ratio | 20.0279% | 1,767 |
| Memoranda: | ||
| Average total assets | $54,360,500 | 6,462 |
| Average earning assets | $48,938,500 | 6,473 |
| Average equity | $5,319,750 | 6,639 |
| Average total loans | $24,912,500 | 6,764 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 5,678 |
| Cost of funding earning assets | 0.5099% | 7,534 |
| Net interest margin | 4.3224% | 1,697 |
| Noninterest income to average assets | 0.7925% | 2,159 |
| Noninterest expense to average assets | 3.7590% | 1,439 |
| Loan and lease loss provision to assets | 0.2363% | 4,550 |
| Net operating income to assets | 0.6798% | 3,483 |
| Return on assets (ROA) | 0.6798% | 3,631 |
| Pretax return on assets | 0.6798% | 4,312 |
| Return on Equity (ROE) | 7.1193% | 3,247 |
| Retained earnings to average equity (ytd only) | 3.8833% | 3,616 |
| Net charge-offs to loans | 1.8180% | 1,023 |
| Credit loss provision to net charge-offs | 28.6344% | 5,753 |
| Earnings coverage of net charge-offs (x) | 1.1101% | 4,684 |
| Efficiency ratio | 80.4044% | 2,386 |
| Assets per employee ($millions) | 3.6077% | 4,677 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 3,381 |
| Loan loss allowance to noncurrent loans | 73.6648% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 4,851 |
| Noncurrent loans to loans | 2.1936% | 3,490 |
| Net loans and leases to total assets | 45.0033% | 6,851 |
| Net loans and leases to deposits | 50.1348% | 7,062 |
| Net loans and leases to core deposits | 57.8521% | 6,836 |
| Total domestic deposits to total assets | 89.7646% | 1,039 |
| Equity capital to assets | 9.9712% | 4,058 |
| Core capital (leverage) ratio | 9.6866% | 3,560 |
| Tier 1 risk-based capital ratio | 18.2100% | 1,892 |
| Total risk-based capital ratio | 19.4448% | 1,872 |
| Memoranda: | ||
| Average total assets | $55,014,000 | 6,489 |
| Average earning assets | $49,417,000 | 6,494 |
| Average equity | $5,253,330 | 6,695 |
| Average total loans | $24,972,000 | 6,808 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 6,044 |
| Cost of funding earning assets | 0.5233% | 7,642 |
| Net interest margin | 4.2348% | 1,911 |
| Noninterest income to average assets | 0.7140% | 2,505 |
| Noninterest expense to average assets | 3.5411% | 1,879 |
| Loan and lease loss provision to assets | 0.2164% | 4,342 |
| Net operating income to assets | 0.7500% | 3,212 |
| Return on assets (ROA) | 0.7500% | 3,315 |
| Pretax return on assets | 0.7500% | 4,061 |
| Return on Equity (ROE) | 8.0278% | 2,871 |
| Retained earnings to average equity (ytd only) | 1.4666% | 5,214 |
| Net charge-offs to loans | 1.7065% | 1,014 |
| Credit loss provision to net charge-offs | 28.0374% | 4,847 |
| Earnings coverage of net charge-offs (x) | 1.2523% | 4,004 |
| Efficiency ratio | 78.5600% | 2,801 |
| Assets per employee ($millions) | 3.6836% | 4,614 |
| Cash dividends to net income (ytd only)* | 81.7308% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 2,312 |
| Loan loss allowance to noncurrent loans | 86.2989% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 4,864 |
| Noncurrent loans to loans | 2.2598% | 3,447 |
| Net loans and leases to total assets | 44.1326% | 6,979 |
| Net loans and leases to deposits | 48.7515% | 7,193 |
| Net loans and leases to core deposits | 52.7597% | 7,166 |
| Total domestic deposits to total assets | 90.5256% | 723 |
| Equity capital to assets | 9.3441% | 4,771 |
| Core capital (leverage) ratio | 9.3177% | 4,022 |
| Tier 1 risk-based capital ratio | 17.9013% | 1,967 |
| Total risk-based capital ratio | 19.1314% | 1,946 |
| Memoranda: | ||
| Average total assets | $55,463,000 | 6,553 |
| Average earning assets | $49,684,000 | 6,561 |
| Average equity | $5,182,000 | 6,788 |
| Average total loans | $25,081,000 | 6,881 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 6,206 |
| Cost of funding earning assets | 0.7675% | 7,598 |
| Net interest margin | 4.2988% | 1,725 |
| Noninterest income to average assets | 0.9478% | 1,758 |
| Noninterest expense to average assets | 4.0881% | 1,250 |
| Loan and lease loss provision to assets | 0.0187% | 7,317 |
| Net operating income to assets | 0.7183% | 2,860 |
| Return on assets (ROA) | 0.8602% | 2,381 |
| Pretax return on assets | 0.8602% | 3,049 |
| Return on Equity (ROE) | 8.7400% | 2,104 |
| Retained earnings to average equity (ytd only) | 2.5784% | 3,338 |
| Net charge-offs to loans | 0.1927% | 5,441 |
| Credit loss provision to net charge-offs | 20.4082% | 6,938 |
| Earnings coverage of net charge-offs (x) | 8.0612% | 2,011 |
| Efficiency ratio | 84.7254% | 2,268 |
| Assets per employee ($millions) | 3.7115% | 4,492 |
| Cash dividends to net income (ytd only)* | 70.4989% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2220% | 1,606 |
| Loan loss allowance to noncurrent loans | 87.4028% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 4,507 |
| Noncurrent loans to loans | 2.5423% | 3,010 |
| Net loans and leases to total assets | 44.4209% | 7,089 |
| Net loans and leases to deposits | 49.0373% | 7,309 |
| Net loans and leases to core deposits | 61.8296% | 7,197 |
| Total domestic deposits to total assets | 90.5859% | 704 |
| Equity capital to assets | 9.3422% | 4,647 |
| Core capital (leverage) ratio | 9.8987% | 3,197 |
| Tier 1 risk-based capital ratio | 17.6864% | 1,975 |
| Total risk-based capital ratio | 18.9202% | 1,940 |
| Memoranda: | ||
| Average total assets | $53,595,200 | 6,571 |
| Average earning assets | $48,338,600 | 6,586 |
| Average equity | $5,274,600 | 6,843 |
| Average total loans | $25,427,400 | 6,886 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 6,119 |
| Cost of funding earning assets | 0.8246% | 7,661 |
| Net interest margin | 4.3224% | 1,669 |
| Noninterest income to average assets | 1.0048% | 1,594 |
| Noninterest expense to average assets | 3.7781% | 1,639 |
| Loan and lease loss provision to assets | 0.0251% | 7,103 |
| Net operating income to assets | 1.1254% | 1,653 |
| Return on assets (ROA) | 1.2611% | 1,380 |
| Pretax return on assets | 1.2611% | 2,078 |
| Return on Equity (ROE) | 12.6454% | 1,191 |
| Retained earnings to average equity (ytd only) | 7.8592% | 1,173 |
| Net charge-offs to loans | 0.1466% | 5,234 |
| Credit loss provision to net charge-offs | 35.7143% | 6,464 |
| Earnings coverage of net charge-offs (x) | 16.3582% | 1,475 |
| Efficiency ratio | 76.6565% | 3,390 |
| Assets per employee ($millions) | 3.3603% | 5,233 |
| Cash dividends to net income (ytd only)* | 37.8489% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2655% | 1,334 |
| Loan loss allowance to noncurrent loans | 156.7204% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 5,361 |
| Noncurrent loans to loans | 1.4456% | 4,505 |
| Net loans and leases to total assets | 49.8988% | 6,787 |
| Net loans and leases to deposits | 56.1319% | 7,078 |
| Net loans and leases to core deposits | 68.1267% | 7,066 |
| Total domestic deposits to total assets | 88.8957% | 1,241 |
| Equity capital to assets | 10.8880% | 3,127 |
| Core capital (leverage) ratio | 10.5347% | 2,762 |
| Tier 1 risk-based capital ratio | 18.8928% | 1,766 |
| Total risk-based capital ratio | 20.1324% | 1,735 |
| Memoranda: | ||
| Average total assets | $53,076,000 | 6,637 |
| Average earning assets | $48,181,250 | 6,638 |
| Average equity | $5,293,000 | 6,905 |
| Average total loans | $25,461,250 | 6,941 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0925% | 6,466 |
| Cost of funding earning assets | 0.8960% | 7,704 |
| Net interest margin | 4.1965% | 2,016 |
| Noninterest income to average assets | 1.0747% | 1,375 |
| Noninterest expense to average assets | 3.4577% | 2,469 |
| Loan and lease loss provision to assets | 0.0371% | 6,868 |
| Net operating income to assets | 1.3638% | 1,092 |
| Return on assets (ROA) | 1.4009% | 1,095 |
| Pretax return on assets | 1.4009% | 1,725 |
| Return on Equity (ROE) | 14.4606% | 914 |
| Retained earnings to average equity (ytd only) | 7.1920% | 1,512 |
| Net charge-offs to loans | 0.0315% | 6,020 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 404 |
| Efficiency ratio | 71.1670% | 4,565 |
| Assets per employee ($millions) | 3.5553% | 4,672 |
| Cash dividends to net income (ytd only)* | 50.2646% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4258% | 965 |
| Loan loss allowance to noncurrent loans | 363.4731% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 6,384 |
| Noncurrent loans to loans | 0.6674% | 5,918 |
| Net loans and leases to total assets | 45.7837% | 7,209 |
| Net loans and leases to deposits | 50.9963% | 7,437 |
| Net loans and leases to core deposits | 61.0492% | 7,412 |
| Total domestic deposits to total assets | 89.7785% | 923 |
| Equity capital to assets | 10.0189% | 3,914 |
| Core capital (leverage) ratio | 9.7420% | 3,585 |
| Tier 1 risk-based capital ratio | 18.4829% | 1,877 |
| Total risk-based capital ratio | 19.7454% | 1,828 |
| Memoranda: | ||
| Average total assets | $53,966,670 | 6,675 |
| Average earning assets | $48,660,000 | 6,684 |
| Average equity | $5,228,000 | 6,991 |
| Average total loans | $25,370,330 | 7,002 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 6,626 |
| Cost of funding earning assets | 0.9749% | 7,710 |
| Net interest margin | 4.1308% | 2,163 |
| Noninterest income to average assets | 1.1716% | 1,068 |
| Noninterest expense to average assets | 3.3453% | 2,515 |
| Loan and lease loss provision to assets | 0.0737% | 6,035 |
| Net operating income to assets | 1.4368% | 1,066 |
| Return on assets (ROA) | 1.4368% | 1,148 |
| Pretax return on assets | 1.4368% | 1,860 |
| Return on Equity (ROE) | 15.0856% | 964 |
| Retained earnings to average equity (ytd only) | 0.3868% | 5,502 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8923% | 4,795 |
| Assets per employee ($millions) | 3.4981% | 4,832 |
| Cash dividends to net income (ytd only)* | 97.4359% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4350% | 814 |
| Loan loss allowance to noncurrent loans | 544.6429% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 6,304 |
| Noncurrent loans to loans | 0.4471% | 6,305 |
| Net loans and leases to total assets | 43.6688% | 7,371 |
| Net loans and leases to deposits | 48.1890% | 7,571 |
| Net loans and leases to core deposits | 57.2188% | 7,555 |
| Total domestic deposits to total assets | 90.6198% | 546 |
| Equity capital to assets | 9.2319% | 5,042 |
| Core capital (leverage) ratio | 9.2749% | 4,276 |
| Tier 1 risk-based capital ratio | 17.4462% | 2,204 |
| Total risk-based capital ratio | 18.7397% | 2,133 |
| Memoranda: | ||
| Average total assets | $54,285,500 | 6,697 |
| Average earning assets | $48,416,500 | 6,734 |
| Average equity | $5,170,500 | 7,060 |
| Average total loans | $25,544,000 | 7,024 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2010% | 4,512 |
| Cost of funding earning assets | 1.6037% | 7,443 |
| Net interest margin | 4.5973% | 1,185 |
| Noninterest income to average assets | 0.8543% | 2,203 |
| Noninterest expense to average assets | 4.1839% | 1,163 |
| Loan and lease loss provision to assets | 0.3165% | 3,851 |
| Net operating income to assets | 0.4893% | 4,790 |
| Return on assets (ROA) | 0.4854% | 4,627 |
| Pretax return on assets | 0.4854% | 5,013 |
| Return on Equity (ROE) | 4.8733% | 4,444 |
| Retained earnings to average equity (ytd only) | -2.5146% | 5,998 |
| Net charge-offs to loans | 0.4409% | 2,625 |
| Credit loss provision to net charge-offs | 138.1356% | 3,852 |
| Earnings coverage of net charge-offs (x) | 3.5169% | 4,329 |
| Efficiency ratio | 83.8521% | 2,070 |
| Assets per employee ($millions) | 3.2876% | 5,245 |
| Cash dividends to net income (ytd only)* | 151.6000% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3044% | 851 |
| Loan loss allowance to noncurrent loans | 705.8824% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 6,124 |
| Noncurrent loans to loans | 0.3265% | 6,394 |
| Net loans and leases to total assets | 48.3575% | 7,162 |
| Net loans and leases to deposits | 53.7326% | 7,454 |
| Net loans and leases to core deposits | 64.0472% | 7,441 |
| Total domestic deposits to total assets | 89.9966% | 647 |
| Equity capital to assets | 9.8361% | 4,244 |
| Core capital (leverage) ratio | 9.9893% | 3,458 |
| Tier 1 risk-based capital ratio | 18.1861% | 1,995 |
| Total risk-based capital ratio | 19.4457% | 1,941 |
| Memoranda: | ||
| Average total assets | $51,506,600 | 6,710 |
| Average earning assets | $46,331,200 | 6,753 |
| Average equity | $5,130,000 | 7,104 |
| Average total loans | $26,761,000 | 6,916 |