Home > The First National Bank of Blanchester > Performance and Condition Ratios
The First National Bank of Blanchester, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7141% | 4,263 |
| Cost of funding earning assets | 0.4661% | 4,233 |
| Net interest margin | 3.2481% | 2,751 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.5890% | 2,037 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7869% | 2,911 |
| Return on assets (ROA) | 0.7869% | 2,891 |
| Pretax return on assets | 0.9806% | 2,720 |
| Return on Equity (ROE) | 8.1700% | 2,977 |
| Retained earnings to average equity (ytd only) | 2.6368% | 3,396 |
| Net charge-offs to loans | 0.0068% | 2,426 |
| Credit loss provision to net charge-offs | 200.0000% | 1,224 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 474 |
| Efficiency ratio | 72.3793% | 1,627 |
| Assets per employee ($millions) | 4.9140% | 3,699 |
| Cash dividends to net income (ytd only)* | 67.7116% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 3,981 |
| Loan loss allowance to noncurrent loans | 912.8205% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,264 |
| Noncurrent loans to loans | 0.0868% | 3,110 |
| Net loans and leases to total assets | 56.7100% | 3,143 |
| Net loans and leases to deposits | 63.3701% | 3,328 |
| Net loans and leases to core deposits | 66.7210% | 3,461 |
| Total domestic deposits to total assets | 89.5000% | 905 |
| Equity capital to assets | 9.9652% | 2,031 |
| Core capital (leverage) ratio | 9.8717% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6727% | 440 |
| Memoranda: | ||
| Average total assets | $81,074,200 | 4,006 |
| Average earning assets | $75,953,000 | 3,967 |
| Average equity | $7,812,600 | 3,950 |
| Average total loans | $44,146,400 | 3,931 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 4,276 |
| Cost of funding earning assets | 0.3415% | 4,325 |
| Net interest margin | 3.2951% | 2,692 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.5822% | 1,992 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8128% | 2,985 |
| Return on assets (ROA) | 0.8128% | 2,975 |
| Pretax return on assets | 1.0136% | 2,815 |
| Return on Equity (ROE) | 8.5000% | 3,062 |
| Retained earnings to average equity (ytd only) | 4.8161% | 2,993 |
| Net charge-offs to loans | 0.0091% | 2,068 |
| Credit loss provision to net charge-offs | 200.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 578 |
| Efficiency ratio | 71.6161% | 1,610 |
| Assets per employee ($millions) | 4.9766% | 3,621 |
| Cash dividends to net income (ytd only)* | 43.3735% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 4,011 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 56.6700% | 3,140 |
| Net loans and leases to deposits | 63.2762% | 3,305 |
| Net loans and leases to core deposits | 64.4070% | 3,507 |
| Total domestic deposits to total assets | 89.5500% | 1,056 |
| Equity capital to assets | 9.9352% | 1,863 |
| Core capital (leverage) ratio | 9.8487% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7121% | 448 |
| Memoranda: | ||
| Average total assets | $81,686,750 | 4,018 |
| Average earning assets | $76,515,750 | 3,979 |
| Average equity | $7,807,000 | 3,950 |
| Average total loans | $43,946,250 | 3,946 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 4,302 |
| Cost of funding earning assets | 0.1997% | 4,431 |
| Net interest margin | 3.3501% | 2,641 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.6076% | 1,912 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8109% | 3,049 |
| Return on assets (ROA) | 0.8109% | 3,057 |
| Pretax return on assets | 1.0125% | 2,878 |
| Return on Equity (ROE) | 8.5900% | 3,089 |
| Retained earnings to average equity (ytd only) | 3.0364% | 3,469 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.7435% | 1,585 |
| Assets per employee ($millions) | 5.0088% | 3,594 |
| Cash dividends to net income (ytd only)* | 64.6707% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 3,996 |
| Loan loss allowance to noncurrent loans | 703.9216% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,130 |
| Noncurrent loans to loans | 0.1151% | 2,904 |
| Net loans and leases to total assets | 54.8500% | 3,204 |
| Net loans and leases to deposits | 61.2362% | 3,351 |
| Net loans and leases to core deposits | 62.3231% | 3,524 |
| Total domestic deposits to total assets | 89.5800% | 1,061 |
| Equity capital to assets | 9.6656% | 2,052 |
| Core capital (leverage) ratio | 9.4534% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5940% | 452 |
| Memoranda: | ||
| Average total assets | $82,373,667 | 4,024 |
| Average earning assets | $77,131,333 | 3,990 |
| Average equity | $7,772,333 | 3,976 |
| Average total loans | $43,436,000 | 3,965 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 4,417 |
| Cost of funding earning assets | 0.1587% | 4,442 |
| Net interest margin | 3.1800% | 3,161 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.6015% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7234% | 3,414 |
| Return on assets (ROA) | 0.7234% | 3,369 |
| Pretax return on assets | 0.8959% | 3,251 |
| Return on Equity (ROE) | 7.7600% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.7580% | 2,299 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3836% | 1,301 |
| Assets per employee ($millions) | 4.9648% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 4,038 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 1,603 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 50.0500% | 3,490 |
| Net loans and leases to deposits | 55.3921% | 3,607 |
| Net loans and leases to core deposits | 56.0172% | 3,741 |
| Total domestic deposits to total assets | 90.3500% | 1,028 |
| Equity capital to assets | 9.2166% | 2,354 |
| Core capital (leverage) ratio | 9.4583% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0613% | 435 |
| Memoranda: | ||
| Average total assets | $83,490,500 | 4,069 |
| Average earning assets | $78,113,000 | 4,033 |
| Average equity | $7,785,500 | 4,022 |
| Average total loans | $42,995,000 | 4,018 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2438% | 3,733 |
| Cost of funding earning assets | 0.1093% | 4,348 |
| Net interest margin | 3.1345% | 3,073 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.4652% | 2,221 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8078% | 3,300 |
| Return on assets (ROA) | 0.8078% | 3,227 |
| Pretax return on assets | 0.9824% | 3,124 |
| Return on Equity (ROE) | 8.5300% | 3,247 |
| Retained earnings to average equity (ytd only) | 2.9204% | 3,741 |
| Net charge-offs to loans | 0.1880% | 436 |
| Credit loss provision to net charge-offs | 8.5366% | 1,961 |
| Earnings coverage of net charge-offs (x) | 9.8293% | 2,214 |
| Efficiency ratio | 71.3269% | 1,522 |
| Assets per employee ($millions) | 5.1612% | 3,548 |
| Cash dividends to net income (ytd only)* | 65.7534% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3341% | 4,532 |
| Loan loss allowance to noncurrent loans | 14,500.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 1,574 |
| Noncurrent loans to loans | 0.0023% | 3,870 |
| Net loans and leases to total assets | 52.3700% | 3,333 |
| Net loans and leases to deposits | 58.1802% | 3,448 |
| Net loans and leases to core deposits | 58.8539% | 3,561 |
| Total domestic deposits to total assets | 90.0200% | 1,355 |
| Equity capital to assets | 9.4358% | 2,059 |
| Core capital (leverage) ratio | 9.3833% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6509% | 435 |
| Memoranda: | ||
| Average total assets | $81,333,200 | 4,115 |
| Average earning assets | $75,960,200 | 4,090 |
| Average equity | $7,704,400 | 4,126 |
| Average total loans | $43,608,600 | 4,000 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1754% | 3,493 |
| Cost of funding earning assets | 0.1004% | 4,280 |
| Net interest margin | 3.0750% | 3,006 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.4717% | 2,095 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7570% | 3,399 |
| Return on assets (ROA) | 0.7570% | 3,344 |
| Pretax return on assets | 0.9182% | 3,264 |
| Return on Equity (ROE) | 7.9800% | 3,339 |
| Retained earnings to average equity (ytd only) | 4.2520% | 3,361 |
| Net charge-offs to loans | 0.2565% | 260 |
| Credit loss provision to net charge-offs | 8.3333% | 1,666 |
| Earnings coverage of net charge-offs (x) | 6.7262% | 2,100 |
| Efficiency ratio | 72.6657% | 1,422 |
| Assets per employee ($millions) | 5.1787% | 3,520 |
| Cash dividends to net income (ytd only)* | 46.7391% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3254% | 4,572 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 1,461 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 52.5000% | 3,237 |
| Net loans and leases to deposits | 58.2929% | 3,318 |
| Net loans and leases to core deposits | 58.9654% | 3,454 |
| Total domestic deposits to total assets | 90.0500% | 1,635 |
| Equity capital to assets | 9.4281% | 1,925 |
| Core capital (leverage) ratio | 9.5039% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4313% | 468 |
| Memoranda: | ||
| Average total assets | $81,021,750 | 4,147 |
| Average earning assets | $75,663,000 | 4,121 |
| Average equity | $7,682,500 | 4,173 |
| Average total loans | $43,662,000 | 4,026 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1413% | 3,204 |
| Cost of funding earning assets | 0.0825% | 4,352 |
| Net interest margin | 3.0588% | 2,687 |
| Noninterest income to average assets | 0.5074% | 2,159 |
| Noninterest expense to average assets | 2.4599% | 2,054 |
| Loan and lease loss provision to assets | 0.0124% | 2,375 |
| Net operating income to assets | 0.7362% | 3,193 |
| Return on assets (ROA) | 0.7362% | 3,150 |
| Pretax return on assets | 0.8929% | 3,093 |
| Return on Equity (ROE) | 7.7494% | 3,089 |
| Retained earnings to average equity (ytd only) | 2.0944% | 3,723 |
| Net charge-offs to loans | 0.3435% | 204 |
| Credit loss provision to net charge-offs | 6.6667% | 1,642 |
| Earnings coverage of net charge-offs (x) | 4.8533% | 1,943 |
| Efficiency ratio | 73.0968% | 1,610 |
| Assets per employee ($millions) | 5.4169% | 3,309 |
| Cash dividends to net income (ytd only)* | 72.9730% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3427% | 4,642 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 1,773 |
| Noncurrent loans to loans | 0.1828% | 2,787 |
| Net loans and leases to total assets | 53.6768% | 2,998 |
| Net loans and leases to deposits | 59.7256% | 3,070 |
| Net loans and leases to core deposits | 60.4298% | 3,242 |
| Total domestic deposits to total assets | 89.8724% | 1,762 |
| Equity capital to assets | 9.4101% | 2,090 |
| Core capital (leverage) ratio | 9.2605% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8978% | 481 |
| Memoranda: | ||
| Average total assets | $80,409,333 | 4,196 |
| Average earning assets | $75,128,000 | 4,182 |
| Average equity | $7,639,333 | 4,243 |
| Average total loans | $43,669,667 | 4,076 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0147% | 3,213 |
| Cost of funding earning assets | 0.0696% | 4,455 |
| Net interest margin | 2.9451% | 2,693 |
| Noninterest income to average assets | 0.5601% | 1,867 |
| Noninterest expense to average assets | 2.4704% | 1,958 |
| Loan and lease loss provision to assets | 0.0050% | 2,217 |
| Net operating income to assets | 0.6901% | 3,094 |
| Return on assets (ROA) | 0.6901% | 3,084 |
| Pretax return on assets | 0.8351% | 2,995 |
| Return on Equity (ROE) | 7.2289% | 2,969 |
| Retained earnings to average equity (ytd only) | 7.2289% | 1,823 |
| Net charge-offs to loans | 0.6877% | 99 |
| Credit loss provision to net charge-offs | 1.3333% | 1,334 |
| Earnings coverage of net charge-offs (x) | 2.2400% | 1,713 |
| Efficiency ratio | 74.6224% | 1,670 |
| Assets per employee ($millions) | 5.1665% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3346% | 4,673 |
| Loan loss allowance to noncurrent loans | 63.7555% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 1,534 |
| Noncurrent loans to loans | 0.5248% | 1,717 |
| Net loans and leases to total assets | 52.6130% | 2,928 |
| Net loans and leases to deposits | 58.3683% | 3,044 |
| Net loans and leases to core deposits | 59.0427% | 3,235 |
| Total domestic deposits to total assets | 90.1396% | 1,484 |
| Equity capital to assets | 9.3209% | 2,425 |
| Core capital (leverage) ratio | 9.6960% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9146% | 498 |
| Memoranda: | ||
| Average total assets | $79,987,500 | 4,223 |
| Average earning assets | $74,701,000 | 4,206 |
| Average equity | $7,636,000 | 4,301 |
| Average total loans | $43,622,500 | 4,085 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 3,390 |
| Cost of funding earning assets | 0.0880% | 4,476 |
| Net interest margin | 3.1465% | 2,746 |
| Noninterest income to average assets | 0.5311% | 2,433 |
| Noninterest expense to average assets | 2.5686% | 1,960 |
| Loan and lease loss provision to assets | 0.0268% | 2,522 |
| Net operating income to assets | 0.6863% | 3,660 |
| Return on assets (ROA) | 0.6863% | 3,713 |
| Pretax return on assets | 0.8549% | 3,610 |
| Return on Equity (ROE) | 6.7952% | 3,571 |
| Retained earnings to average equity (ytd only) | 1.0729% | 4,240 |
| Net charge-offs to loans | 0.0260% | 1,726 |
| Credit loss provision to net charge-offs | 181.8182% | 1,359 |
| Earnings coverage of net charge-offs (x) | 59.9091% | 1,173 |
| Efficiency ratio | 74.4475% | 1,256 |
| Assets per employee ($millions) | 4.8319% | 3,864 |
| Cash dividends to net income (ytd only)* | 84.2105% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5045% | 4,622 |
| Loan loss allowance to noncurrent loans | 64.8968% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 1,195 |
| Noncurrent loans to loans | 0.7774% | 1,312 |
| Net loans and leases to total assets | 56.1201% | 2,593 |
| Net loans and leases to deposits | 62.6084% | 2,822 |
| Net loans and leases to core deposits | 63.3868% | 3,038 |
| Total domestic deposits to total assets | 89.6367% | 1,149 |
| Equity capital to assets | 9.7877% | 2,864 |
| Core capital (leverage) ratio | 9.7855% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0842% | 489 |
| Memoranda: | ||
| Average total assets | $74,748,200 | 4,280 |
| Average earning assets | $69,347,200 | 4,266 |
| Average equity | $7,549,400 | 4,374 |
| Average total loans | $42,311,600 | 4,142 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2410% | 3,528 |
| Cost of funding earning assets | 0.0912% | 4,567 |
| Net interest margin | 3.1497% | 2,895 |
| Noninterest income to average assets | 0.5200% | 2,540 |
| Noninterest expense to average assets | 2.6052% | 1,818 |
| Loan and lease loss provision to assets | 0.0364% | 2,262 |
| Net operating income to assets | 0.6423% | 3,923 |
| Return on assets (ROA) | 0.6423% | 3,977 |
| Pretax return on assets | 0.7988% | 3,893 |
| Return on Equity (ROE) | 6.3087% | 3,842 |
| Retained earnings to average equity (ytd only) | 2.4917% | 4,053 |
| Net charge-offs to loans | 0.0318% | 1,427 |
| Credit loss provision to net charge-offs | 200.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 46.4000% | 1,276 |
| Efficiency ratio | 75.7322% | 1,054 |
| Assets per employee ($millions) | 4.8176% | 3,874 |
| Cash dividends to net income (ytd only)* | 60.5042% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5080% | 4,699 |
| Loan loss allowance to noncurrent loans | 49.3274% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 1,328 |
| Noncurrent loans to loans | 1.0298% | 1,108 |
| Net loans and leases to total assets | 55.9009% | 2,735 |
| Net loans and leases to deposits | 62.9468% | 2,961 |
| Net loans and leases to core deposits | 63.7392% | 3,164 |
| Total domestic deposits to total assets | 88.8066% | 1,397 |
| Equity capital to assets | 9.8948% | 3,004 |
| Core capital (leverage) ratio | 10.0109% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5965% | 503 |
| Memoranda: | ||
| Average total assets | $74,107,500 | 4,342 |
| Average earning assets | $68,702,250 | 4,331 |
| Average equity | $7,545,000 | 4,437 |
| Average total loans | $41,987,750 | 4,201 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2649% | 3,526 |
| Cost of funding earning assets | 0.0975% | 4,596 |
| Net interest margin | 3.1674% | 2,857 |
| Noninterest income to average assets | 0.5690% | 2,342 |
| Noninterest expense to average assets | 2.6943% | 1,601 |
| Loan and lease loss provision to assets | 0.0547% | 1,941 |
| Net operating income to assets | 0.6045% | 3,974 |
| Return on assets (ROA) | 0.6045% | 4,027 |
| Pretax return on assets | 0.7522% | 3,964 |
| Return on Equity (ROE) | 5.8795% | 3,930 |
| Retained earnings to average equity (ytd only) | 0.1330% | 4,491 |
| Net charge-offs to loans | 0.0578% | 1,034 |
| Credit loss provision to net charge-offs | 166.6667% | 1,123 |
| Earnings coverage of net charge-offs (x) | 24.5833% | 1,430 |
| Efficiency ratio | 76.9531% | 997 |
| Assets per employee ($millions) | 4.4590% | 4,129 |
| Cash dividends to net income (ytd only)* | 97.7376% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5071% | 4,733 |
| Loan loss allowance to noncurrent loans | 48.3444% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 1,182 |
| Noncurrent loans to loans | 1.0489% | 1,171 |
| Net loans and leases to total assets | 56.6877% | 2,817 |
| Net loans and leases to deposits | 64.7846% | 2,919 |
| Net loans and leases to core deposits | 65.6256% | 3,144 |
| Total domestic deposits to total assets | 87.5018% | 2,094 |
| Equity capital to assets | 9.8835% | 2,966 |
| Core capital (leverage) ratio | 9.8980% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7557% | 558 |
| Memoranda: | ||
| Average total assets | $73,116,333 | 4,381 |
| Average earning assets | $67,690,000 | 4,371 |
| Average equity | $7,517,667 | 4,467 |
| Average total loans | $41,547,333 | 4,244 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2466% | 3,590 |
| Cost of funding earning assets | 0.0966% | 4,670 |
| Net interest margin | 3.1500% | 2,846 |
| Noninterest income to average assets | 0.5796% | 2,294 |
| Noninterest expense to average assets | 2.8144% | 1,336 |
| Loan and lease loss provision to assets | 0.0613% | 1,899 |
| Net operating income to assets | 0.4960% | 4,182 |
| Return on assets (ROA) | 0.4960% | 4,223 |
| Pretax return on assets | 0.6130% | 4,173 |
| Return on Equity (ROE) | 4.7274% | 4,146 |
| Retained earnings to average equity (ytd only) | 4.7274% | 3,308 |
| Net charge-offs to loans | 0.0491% | 1,004 |
| Credit loss provision to net charge-offs | 220.0000% | 863 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,181 |
| Efficiency ratio | 80.6709% | 782 |
| Assets per employee ($millions) | 4.6716% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5305% | 4,751 |
| Loan loss allowance to noncurrent loans | 37.2852% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 983 |
| Noncurrent loans to loans | 1.4229% | 889 |
| Net loans and leases to total assets | 54.4331% | 3,197 |
| Net loans and leases to deposits | 61.1103% | 3,397 |
| Net loans and leases to core deposits | 61.9006% | 3,575 |
| Total domestic deposits to total assets | 89.0735% | 1,302 |
| Equity capital to assets | 10.1345% | 2,574 |
| Core capital (leverage) ratio | 10.7365% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7851% | 464 |
| Memoranda: | ||
| Average total assets | $71,773,000 | 4,416 |
| Average earning assets | $66,285,500 | 4,408 |
| Average equity | $7,530,500 | 4,480 |
| Average total loans | $40,726,000 | 4,288 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 3,089 |
| Cost of funding earning assets | 0.1341% | 4,779 |
| Net interest margin | 3.7437% | 1,656 |
| Noninterest income to average assets | 0.6294% | 2,101 |
| Noninterest expense to average assets | 2.8978% | 1,695 |
| Loan and lease loss provision to assets | 0.0703% | 3,503 |
| Net operating income to assets | 0.8753% | 2,807 |
| Return on assets (ROA) | 0.8753% | 2,942 |
| Pretax return on assets | 1.0739% | 2,801 |
| Return on Equity (ROE) | 7.6705% | 2,936 |
| Retained earnings to average equity (ytd only) | 1.8875% | 3,874 |
| Net charge-offs to loans | 0.0358% | 2,337 |
| Credit loss provision to net charge-offs | 328.5714% | 1,645 |
| Earnings coverage of net charge-offs (x) | 53.5000% | 1,139 |
| Efficiency ratio | 71.6931% | 1,721 |
| Assets per employee ($millions) | 3.8223% | 4,489 |
| Cash dividends to net income (ytd only)* | 75.3927% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5204% | 4,779 |
| Loan loss allowance to noncurrent loans | 52.2277% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 1,279 |
| Noncurrent loans to loans | 0.9963% | 1,422 |
| Net loans and leases to total assets | 58.6300% | 3,020 |
| Net loans and leases to deposits | 66.4164% | 3,233 |
| Net loans and leases to core deposits | 67.3591% | 3,449 |
| Total domestic deposits to total assets | 88.2763% | 1,336 |
| Equity capital to assets | 10.8807% | 2,361 |
| Core capital (leverage) ratio | 10.8633% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6148% | 462 |
| Memoranda: | ||
| Average total assets | $65,463,200 | 4,437 |
| Average earning assets | $59,674,200 | 4,445 |
| Average equity | $7,470,200 | 4,483 |
| Average total loans | $39,073,200 | 4,326 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9517% | 3,106 |
| Cost of funding earning assets | 0.1406% | 4,821 |
| Net interest margin | 3.8110% | 1,590 |
| Noninterest income to average assets | 0.6416% | 2,017 |
| Noninterest expense to average assets | 2.9088% | 1,680 |
| Loan and lease loss provision to assets | 0.0944% | 3,137 |
| Net operating income to assets | 0.9077% | 2,665 |
| Return on assets (ROA) | 0.9077% | 2,799 |
| Pretax return on assets | 1.1037% | 2,736 |
| Return on Equity (ROE) | 7.8574% | 2,863 |
| Retained earnings to average equity (ytd only) | 4.0001% | 3,047 |
| Net charge-offs to loans | 0.0517% | 1,865 |
| Credit loss provision to net charge-offs | 306.6667% | 1,740 |
| Earnings coverage of net charge-offs (x) | 38.7333% | 1,387 |
| Efficiency ratio | 70.8187% | 1,772 |
| Assets per employee ($millions) | 3.7575% | 4,509 |
| Cash dividends to net income (ytd only)* | 49.0909% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5357% | 4,785 |
| Loan loss allowance to noncurrent loans | 57.2207% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 1,171 |
| Noncurrent loans to loans | 0.9362% | 1,603 |
| Net loans and leases to total assets | 57.6521% | 3,451 |
| Net loans and leases to deposits | 65.5730% | 3,653 |
| Net loans and leases to core deposits | 66.2414% | 3,880 |
| Total domestic deposits to total assets | 87.9205% | 1,250 |
| Equity capital to assets | 11.1910% | 2,238 |
| Core capital (leverage) ratio | 11.4684% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8189% | 465 |
| Memoranda: | ||
| Average total assets | $64,628,750 | 4,463 |
| Average earning assets | $58,775,500 | 4,471 |
| Average equity | $7,466,250 | 4,505 |
| Average total loans | $38,704,250 | 4,362 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 3,157 |
| Cost of funding earning assets | 0.1487% | 4,883 |
| Net interest margin | 3.9125% | 1,539 |
| Noninterest income to average assets | 0.6475% | 1,941 |
| Noninterest expense to average assets | 2.9076% | 1,806 |
| Loan and lease loss provision to assets | 0.0817% | 3,264 |
| Net operating income to assets | 1.0216% | 2,248 |
| Return on assets (ROA) | 1.0216% | 2,377 |
| Pretax return on assets | 1.2133% | 2,321 |
| Return on Equity (ROE) | 8.7460% | 2,472 |
| Retained earnings to average equity (ytd only) | 2.9333% | 3,416 |
| Net charge-offs to loans | 0.0778% | 1,466 |
| Credit loss provision to net charge-offs | 173.3333% | 2,021 |
| Earnings coverage of net charge-offs (x) | 27.4667% | 1,490 |
| Efficiency ratio | 69.1847% | 2,063 |
| Assets per employee ($millions) | 3.8923% | 4,400 |
| Cash dividends to net income (ytd only)* | 66.4615% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4925% | 4,841 |
| Loan loss allowance to noncurrent loans | 49.8695% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9929% | 1,211 |
| Noncurrent loans to loans | 0.9875% | 1,572 |
| Net loans and leases to total assets | 58.3249% | 3,487 |
| Net loans and leases to deposits | 66.4228% | 3,686 |
| Net loans and leases to core deposits | 67.1159% | 3,915 |
| Total domestic deposits to total assets | 87.8085% | 1,282 |
| Equity capital to assets | 11.2636% | 2,143 |
| Core capital (leverage) ratio | 11.2846% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9691% | 452 |
| Memoranda: | ||
| Average total assets | $63,626,667 | 4,488 |
| Average earning assets | $57,815,333 | 4,495 |
| Average equity | $7,432,000 | 4,524 |
| Average total loans | $38,538,000 | 4,375 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 3,207 |
| Cost of funding earning assets | 0.1553% | 4,960 |
| Net interest margin | 4.0444% | 1,271 |
| Noninterest income to average assets | 0.7120% | 1,610 |
| Noninterest expense to average assets | 3.0278% | 1,817 |
| Loan and lease loss provision to assets | 0.1347% | 2,042 |
| Net operating income to assets | 0.9815% | 2,240 |
| Return on assets (ROA) | 0.9815% | 2,343 |
| Pretax return on assets | 1.2252% | 2,112 |
| Return on Equity (ROE) | 8.2463% | 2,409 |
| Retained earnings to average equity (ytd only) | 8.2463% | 1,156 |
| Net charge-offs to loans | 0.2083% | 667 |
| Credit loss provision to net charge-offs | 105.0000% | 1,786 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 1,761 |
| Efficiency ratio | 69.0058% | 2,507 |
| Assets per employee ($millions) | 4.0049% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4674% | 4,899 |
| Loan loss allowance to noncurrent loans | 46.3918% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 1,583 |
| Noncurrent loans to loans | 1.0076% | 1,645 |
| Net loans and leases to total assets | 59.8137% | 3,517 |
| Net loans and leases to deposits | 68.2491% | 3,714 |
| Net loans and leases to core deposits | 68.9861% | 3,937 |
| Total domestic deposits to total assets | 87.6403% | 1,255 |
| Equity capital to assets | 11.7012% | 2,286 |
| Core capital (leverage) ratio | 12.2464% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5118% | 529 |
| Memoranda: | ||
| Average total assets | $62,355,500 | 4,525 |
| Average earning assets | $56,670,500 | 4,532 |
| Average equity | $7,421,500 | 4,561 |
| Average total loans | $38,415,000 | 4,406 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 3,591 |
| Cost of funding earning assets | 0.2057% | 4,953 |
| Net interest margin | 4.0745% | 1,608 |
| Noninterest income to average assets | 0.7536% | 1,617 |
| Noninterest expense to average assets | 3.1517% | 1,639 |
| Loan and lease loss provision to assets | 0.1033% | 1,998 |
| Net operating income to assets | 0.9876% | 2,888 |
| Return on assets (ROA) | 0.9876% | 2,971 |
| Pretax return on assets | 1.2378% | 2,711 |
| Return on Equity (ROE) | 8.3709% | 3,007 |
| Retained earnings to average equity (ytd only) | 2.4757% | 3,790 |
| Net charge-offs to loans | 0.0780% | 1,985 |
| Credit loss provision to net charge-offs | 213.3333% | 1,237 |
| Earnings coverage of net charge-offs (x) | 27.7000% | 1,654 |
| Efficiency ratio | 70.1509% | 2,142 |
| Assets per employee ($millions) | 3.3684% | 4,596 |
| Cash dividends to net income (ytd only)* | 70.4248% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4671% | 4,929 |
| Loan loss allowance to noncurrent loans | 36.0161% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.0671% | 1,159 |
| Noncurrent loans to loans | 1.2969% | 1,165 |
| Net loans and leases to total assets | 62.9090% | 3,321 |
| Net loans and leases to deposits | 72.1312% | 3,513 |
| Net loans and leases to core deposits | 72.9591% | 3,800 |
| Total domestic deposits to total assets | 87.2147% | 1,508 |
| Equity capital to assets | 12.1141% | 2,065 |
| Core capital (leverage) ratio | 11.9164% | 1,831 |
| Tier 1 risk-based capital ratio | 22.8113% | 931 |
| Total risk-based capital ratio | 23.3672% | 988 |
| Memoranda: | ||
| Average total assets | $61,967,000 | 4,563 |
| Average earning assets | $56,865,600 | 4,577 |
| Average equity | $7,311,000 | 4,602 |
| Average total loans | $38,483,400 | 4,438 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 3,811 |
| Cost of funding earning assets | 0.2118% | 5,015 |
| Net interest margin | 4.0373% | 1,808 |
| Noninterest income to average assets | 0.7405% | 1,621 |
| Noninterest expense to average assets | 3.0475% | 1,839 |
| Loan and lease loss provision to assets | 0.0920% | 2,069 |
| Net operating income to assets | 1.0401% | 2,820 |
| Return on assets (ROA) | 1.0401% | 2,906 |
| Pretax return on assets | 1.3140% | 2,620 |
| Return on Equity (ROE) | 8.8734% | 2,935 |
| Retained earnings to average equity (ytd only) | 4.9297% | 2,925 |
| Net charge-offs to loans | 0.0381% | 2,329 |
| Credit loss provision to net charge-offs | 390.9091% | 778 |
| Earnings coverage of net charge-offs (x) | 59.7123% | 1,058 |
| Efficiency ratio | 68.4286% | 2,354 |
| Assets per employee ($millions) | 3.4308% | 4,566 |
| Cash dividends to net income (ytd only)* | 44.4443% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4579% | 5,019 |
| Loan loss allowance to noncurrent loans | 56.7308% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 2,121 |
| Noncurrent loans to loans | 0.8071% | 1,953 |
| Net loans and leases to total assets | 62.3107% | 3,460 |
| Net loans and leases to deposits | 71.4074% | 3,647 |
| Net loans and leases to core deposits | 73.0365% | 3,887 |
| Total domestic deposits to total assets | 87.2610% | 1,401 |
| Equity capital to assets | 12.0379% | 2,230 |
| Core capital (leverage) ratio | 11.9762% | 1,865 |
| Tier 1 risk-based capital ratio | 22.4877% | 1,013 |
| Total risk-based capital ratio | 23.0232% | 1,070 |
| Memoranda: | ||
| Average total assets | $62,300,750 | 4,619 |
| Average earning assets | $57,298,000 | 4,629 |
| Average equity | $7,302,500 | 4,655 |
| Average total loans | $38,523,750 | 4,496 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 3,884 |
| Cost of funding earning assets | 0.2155% | 5,040 |
| Net interest margin | 3.9999% | 1,921 |
| Noninterest income to average assets | 0.7138% | 1,662 |
| Noninterest expense to average assets | 3.0056% | 1,988 |
| Loan and lease loss provision to assets | 0.0608% | 2,609 |
| Net operating income to assets | 1.0627% | 2,669 |
| Return on assets (ROA) | 1.0627% | 2,735 |
| Pretax return on assets | 1.3316% | 2,436 |
| Return on Equity (ROE) | 9.1477% | 2,797 |
| Retained earnings to average equity (ytd only) | 3.1962% | 3,628 |
| Net charge-offs to loans | 0.0260% | 2,337 |
| Credit loss provision to net charge-offs | 380.0000% | 750 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 767 |
| Efficiency ratio | 68.3406% | 2,477 |
| Assets per employee ($millions) | 3.5026% | 4,494 |
| Cash dividends to net income (ytd only)* | 65.0602% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4116% | 5,095 |
| Loan loss allowance to noncurrent loans | 65.9751% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 2,542 |
| Noncurrent loans to loans | 0.6239% | 2,388 |
| Net loans and leases to total assets | 61.0196% | 3,646 |
| Net loans and leases to deposits | 69.8508% | 3,854 |
| Net loans and leases to core deposits | 71.4092% | 4,039 |
| Total domestic deposits to total assets | 87.3571% | 1,405 |
| Equity capital to assets | 11.5485% | 2,574 |
| Core capital (leverage) ratio | 11.4190% | 2,233 |
| Tier 1 risk-based capital ratio | 21.9897% | 1,055 |
| Total risk-based capital ratio | 22.4699% | 1,134 |
| Memoranda: | ||
| Average total assets | $62,482,670 | 4,645 |
| Average earning assets | $57,552,000 | 4,659 |
| Average equity | $7,258,670 | 4,688 |
| Average total loans | $38,479,330 | 4,533 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 4,063 |
| Cost of funding earning assets | 0.2230% | 5,060 |
| Net interest margin | 3.9020% | 2,183 |
| Noninterest income to average assets | 0.7010% | 1,613 |
| Noninterest expense to average assets | 2.9453% | 2,145 |
| Loan and lease loss provision to assets | 0.0129% | 3,269 |
| Net operating income to assets | 1.0739% | 2,568 |
| Return on assets (ROA) | 1.0739% | 2,615 |
| Pretax return on assets | 1.3440% | 2,275 |
| Return on Equity (ROE) | 9.2170% | 2,703 |
| Retained earnings to average equity (ytd only) | 9.2170% | 1,244 |
| Net charge-offs to loans | 0.0312% | 1,824 |
| Credit loss provision to net charge-offs | 66.6667% | 1,875 |
| Earnings coverage of net charge-offs (x) | 70.3333% | 840 |
| Efficiency ratio | 68.4604% | 2,572 |
| Assets per employee ($millions) | 3.3528% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3749% | 5,196 |
| Loan loss allowance to noncurrent loans | 60.5042% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 2,646 |
| Noncurrent loans to loans | 0.6196% | 2,471 |
| Net loans and leases to total assets | 60.0694% | 3,701 |
| Net loans and leases to deposits | 68.7249% | 3,862 |
| Net loans and leases to core deposits | 69.4735% | 4,103 |
| Total domestic deposits to total assets | 87.4056% | 1,613 |
| Equity capital to assets | 11.5081% | 2,390 |
| Core capital (leverage) ratio | 12.0299% | 1,753 |
| Tier 1 risk-based capital ratio | 22.1226% | 1,037 |
| Total risk-based capital ratio | 22.5572% | 1,113 |
| Memoranda: | ||
| Average total assets | $62,200,500 | 4,702 |
| Average earning assets | $57,407,000 | 4,709 |
| Average equity | $7,247,500 | 4,720 |
| Average total loans | $38,404,000 | 4,582 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 3,597 |
| Cost of funding earning assets | 0.1916% | 5,036 |
| Net interest margin | 3.9553% | 2,144 |
| Noninterest income to average assets | 0.7112% | 1,808 |
| Noninterest expense to average assets | 3.0314% | 1,983 |
| Loan and lease loss provision to assets | 0.1396% | 1,538 |
| Net operating income to assets | 0.9466% | 3,250 |
| Return on assets (ROA) | 0.9466% | 3,244 |
| Pretax return on assets | 1.1934% | 2,906 |
| Return on Equity (ROE) | 8.1772% | 3,361 |
| Retained earnings to average equity (ytd only) | 2.1179% | 4,309 |
| Net charge-offs to loans | 0.1322% | 1,428 |
| Credit loss provision to net charge-offs | 168.6275% | 1,652 |
| Earnings coverage of net charge-offs (x) | 16.0980% | 2,277 |
| Efficiency ratio | 69.4568% | 2,294 |
| Assets per employee ($millions) | 3.1946% | 4,844 |
| Cash dividends to net income (ytd only)* | 74.0995% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3776% | 5,231 |
| Loan loss allowance to noncurrent loans | 68.0751% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 2,668 |
| Noncurrent loans to loans | 0.5547% | 2,610 |
| Net loans and leases to total assets | 63.0218% | 3,462 |
| Net loans and leases to deposits | 72.3516% | 3,637 |
| Net loans and leases to core deposits | 73.1821% | 3,912 |
| Total domestic deposits to total assets | 87.1050% | 1,735 |
| Equity capital to assets | 11.8027% | 2,029 |
| Core capital (leverage) ratio | 11.6622% | 1,983 |
| Tier 1 risk-based capital ratio | 22.0377% | 1,026 |
| Total risk-based capital ratio | 22.4837% | 1,112 |
| Memoranda: | ||
| Average total assets | $61,588,400 | 4,733 |
| Average earning assets | $56,885,400 | 4,732 |
| Average equity | $7,129,600 | 4,725 |
| Average total loans | $38,575,200 | 4,596 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 3,722 |
| Cost of funding earning assets | 0.1799% | 5,094 |
| Net interest margin | 3.8931% | 2,330 |
| Noninterest income to average assets | 0.7118% | 1,827 |
| Noninterest expense to average assets | 2.9444% | 2,182 |
| Loan and lease loss provision to assets | 0.1855% | 973 |
| Net operating income to assets | 0.9340% | 3,377 |
| Return on assets (ROA) | 0.9340% | 3,382 |
| Pretax return on assets | 1.1756% | 3,092 |
| Return on Equity (ROE) | 8.1073% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.0631% | 3,741 |
| Net charge-offs to loans | 0.1968% | 856 |
| Credit loss provision to net charge-offs | 150.8772% | 1,698 |
| Earnings coverage of net charge-offs (x) | 11.0699% | 2,544 |
| Efficiency ratio | 68.3868% | 2,468 |
| Assets per employee ($millions) | 3.2399% | 4,843 |
| Cash dividends to net income (ytd only)* | 49.8839% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3593% | 5,323 |
| Loan loss allowance to noncurrent loans | 53.9063% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 2,579 |
| Noncurrent loans to loans | 0.6665% | 2,410 |
| Net loans and leases to total assets | 62.1739% | 3,641 |
| Net loans and leases to deposits | 71.3503% | 3,819 |
| Net loans and leases to core deposits | 72.1574% | 4,073 |
| Total domestic deposits to total assets | 87.1390% | 1,673 |
| Equity capital to assets | 11.7450% | 2,072 |
| Core capital (leverage) ratio | 11.7749% | 1,935 |
| Tier 1 risk-based capital ratio | 22.0212% | 1,051 |
| Total risk-based capital ratio | 22.4415% | 1,140 |
| Memoranda: | ||
| Average total assets | $61,811,000 | 4,774 |
| Average earning assets | $57,057,000 | 4,779 |
| Average equity | $7,121,000 | 4,777 |
| Average total loans | $38,619,500 | 4,642 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 3,626 |
| Cost of funding earning assets | 0.1716% | 5,144 |
| Net interest margin | 3.8735% | 2,298 |
| Noninterest income to average assets | 0.7044% | 1,855 |
| Noninterest expense to average assets | 2.9049% | 2,346 |
| Loan and lease loss provision to assets | 0.1939% | 889 |
| Net operating income to assets | 0.9371% | 3,295 |
| Return on assets (ROA) | 0.9371% | 3,300 |
| Pretax return on assets | 1.1794% | 3,012 |
| Return on Equity (ROE) | 8.1867% | 3,422 |
| Retained earnings to average equity (ytd only) | 2.0890% | 4,429 |
| Net charge-offs to loans | 0.1706% | 915 |
| Credit loss provision to net charge-offs | 181.8182% | 1,397 |
| Earnings coverage of net charge-offs (x) | 12.8788% | 2,177 |
| Efficiency ratio | 67.9003% | 2,666 |
| Assets per employee ($millions) | 3.5289% | 4,554 |
| Cash dividends to net income (ytd only)* | 74.4828% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3561% | 5,392 |
| Loan loss allowance to noncurrent loans | 54.1502% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 2,691 |
| Noncurrent loans to loans | 0.6577% | 2,465 |
| Net loans and leases to total assets | 60.3438% | 3,774 |
| Net loans and leases to deposits | 68.7564% | 3,963 |
| Net loans and leases to core deposits | 69.5044% | 4,172 |
| Total domestic deposits to total assets | 87.7647% | 1,496 |
| Equity capital to assets | 11.1569% | 2,498 |
| Core capital (leverage) ratio | 11.2046% | 2,342 |
| Tier 1 risk-based capital ratio | 21.1017% | 1,157 |
| Total risk-based capital ratio | 21.5096% | 1,253 |
| Memoranda: | ||
| Average total assets | $61,895,330 | 4,834 |
| Average earning assets | $57,105,670 | 4,836 |
| Average equity | $7,084,670 | 4,832 |
| Average total loans | $38,689,000 | 4,678 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 3,604 |
| Cost of funding earning assets | 0.1634% | 5,199 |
| Net interest margin | 3.8374% | 2,271 |
| Noninterest income to average assets | 0.7334% | 1,688 |
| Noninterest expense to average assets | 2.9206% | 2,285 |
| Loan and lease loss provision to assets | 0.1768% | 983 |
| Net operating income to assets | 0.9299% | 3,160 |
| Return on assets (ROA) | 0.9299% | 3,180 |
| Pretax return on assets | 1.1722% | 2,881 |
| Return on Equity (ROE) | 8.0186% | 3,357 |
| Retained earnings to average equity (ytd only) | 8.0186% | 1,826 |
| Net charge-offs to loans | -0.0412% | 4,882 |
| Credit loss provision to net charge-offs | -675.0000% | 4,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4049% | 2,767 |
| Assets per employee ($millions) | 3.6921% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3645% | 5,455 |
| Loan loss allowance to noncurrent loans | 54.6875% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 2,763 |
| Noncurrent loans to loans | 0.6664% | 2,551 |
| Net loans and leases to total assets | 60.9798% | 3,650 |
| Net loans and leases to deposits | 69.7870% | 3,805 |
| Net loans and leases to core deposits | 70.5590% | 4,055 |
| Total domestic deposits to total assets | 87.3799% | 1,962 |
| Equity capital to assets | 11.3997% | 2,215 |
| Core capital (leverage) ratio | 12.0361% | 1,632 |
| Tier 1 risk-based capital ratio | 21.2359% | 1,170 |
| Total risk-based capital ratio | 21.6514% | 1,259 |
| Memoranda: | ||
| Average total assets | $61,082,500 | 4,904 |
| Average earning assets | $56,287,500 | 4,902 |
| Average equity | $7,083,500 | 4,884 |
| Average total loans | $38,799,500 | 4,732 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 2,464 |
| Cost of funding earning assets | 0.1725% | 5,139 |
| Net interest margin | 4.0876% | 1,488 |
| Noninterest income to average assets | 0.7457% | 1,786 |
| Noninterest expense to average assets | 3.0849% | 1,899 |
| Loan and lease loss provision to assets | 0.1209% | 1,896 |
| Net operating income to assets | 0.8938% | 2,750 |
| Return on assets (ROA) | 0.8938% | 2,774 |
| Pretax return on assets | 1.2922% | 2,382 |
| Return on Equity (ROE) | 7.4793% | 3,044 |
| Retained earnings to average equity (ytd only) | 1.3249% | 4,485 |
| Net charge-offs to loans | 0.2193% | 1,185 |
| Credit loss provision to net charge-offs | 80.6818% | 2,931 |
| Earnings coverage of net charge-offs (x) | 9.4318% | 2,789 |
| Efficiency ratio | 68.5844% | 2,780 |
| Assets per employee ($millions) | 3.4941% | 4,705 |
| Cash dividends to net income (ytd only)* | 82.2857% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2807% | 5,556 |
| Loan loss allowance to noncurrent loans | 45.4545% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 2,774 |
| Noncurrent loans to loans | 0.6176% | 2,685 |
| Net loans and leases to total assets | 65.7828% | 3,126 |
| Net loans and leases to deposits | 75.6710% | 3,360 |
| Net loans and leases to core deposits | 76.9329% | 3,670 |
| Total domestic deposits to total assets | 86.9327% | 2,024 |
| Equity capital to assets | 11.8047% | 1,977 |
| Core capital (leverage) ratio | 11.9496% | 1,628 |
| Tier 1 risk-based capital ratio | 20.7155% | 1,193 |
| Total risk-based capital ratio | 21.0405% | 1,329 |
| Memoranda: | ||
| Average total assets | $58,738,600 | 4,990 |
| Average earning assets | $53,919,400 | 5,000 |
| Average equity | $7,019,400 | 4,933 |
| Average total loans | $40,124,600 | 4,731 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 2,385 |
| Cost of funding earning assets | 0.1737% | 5,172 |
| Net interest margin | 4.0911% | 1,415 |
| Noninterest income to average assets | 0.7466% | 1,800 |
| Noninterest expense to average assets | 3.0366% | 2,011 |
| Loan and lease loss provision to assets | 0.0455% | 3,189 |
| Net operating income to assets | 0.9697% | 2,693 |
| Return on assets (ROA) | 0.9697% | 2,748 |
| Pretax return on assets | 1.4181% | 2,069 |
| Return on Equity (ROE) | 8.0896% | 3,082 |
| Retained earnings to average equity (ytd only) | 3.9878% | 3,555 |
| Net charge-offs to loans | 0.0496% | 2,439 |
| Credit loss provision to net charge-offs | 133.3333% | 1,848 |
| Earnings coverage of net charge-offs (x) | 42.8655% | 1,236 |
| Efficiency ratio | 67.4760% | 2,973 |
| Assets per employee ($millions) | 3.4388% | 4,816 |
| Cash dividends to net income (ytd only)* | 50.7034% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3243% | 5,607 |
| Loan loss allowance to noncurrent loans | 58.9286% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 3,021 |
| Noncurrent loans to loans | 0.5504% | 3,049 |
| Net loans and leases to total assets | 69.3939% | 2,648 |
| Net loans and leases to deposits | 80.2814% | 2,943 |
| Net loans and leases to core deposits | 81.6500% | 3,314 |
| Total domestic deposits to total assets | 86.4384% | 2,120 |
| Equity capital to assets | 12.1949% | 1,840 |
| Core capital (leverage) ratio | 12.2582% | 1,537 |
| Tier 1 risk-based capital ratio | 20.5981% | 1,264 |
| Total risk-based capital ratio | 20.9795% | 1,389 |
| Memoranda: | ||
| Average total assets | $58,573,250 | 5,050 |
| Average earning assets | $53,741,250 | 5,055 |
| Average equity | $7,021,250 | 4,994 |
| Average total loans | $40,359,500 | 4,766 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,352 |
| Cost of funding earning assets | 0.1676% | 5,223 |
| Net interest margin | 4.0639% | 1,420 |
| Noninterest income to average assets | 0.7371% | 1,825 |
| Noninterest expense to average assets | 3.0404% | 2,008 |
| Loan and lease loss provision to assets | 0.0409% | 3,186 |
| Net operating income to assets | 0.9418% | 2,708 |
| Return on assets (ROA) | 0.9418% | 2,764 |
| Pretax return on assets | 1.3786% | 2,107 |
| Return on Equity (ROE) | 7.9023% | 3,090 |
| Retained earnings to average equity (ytd only) | 1.7179% | 4,565 |
| Net charge-offs to loans | 0.0447% | 2,312 |
| Credit loss provision to net charge-offs | 133.3333% | 1,650 |
| Earnings coverage of net charge-offs (x) | 46.2222% | 1,140 |
| Efficiency ratio | 68.1714% | 2,982 |
| Assets per employee ($millions) | 3.4159% | 4,838 |
| Cash dividends to net income (ytd only)* | 78.2609% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3188% | 5,657 |
| Loan loss allowance to noncurrent loans | 121.4953% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,868 |
| Noncurrent loans to loans | 0.2624% | 4,100 |
| Net loans and leases to total assets | 69.9902% | 2,526 |
| Net loans and leases to deposits | 80.7919% | 2,831 |
| Net loans and leases to core deposits | 83.1897% | 3,155 |
| Total domestic deposits to total assets | 86.6302% | 2,119 |
| Equity capital to assets | 12.0198% | 1,910 |
| Core capital (leverage) ratio | 11.9123% | 1,685 |
| Tier 1 risk-based capital ratio | 20.0321% | 1,366 |
| Total risk-based capital ratio | 20.4052% | 1,508 |
| Memoranda: | ||
| Average total assets | $58,611,330 | 5,088 |
| Average earning assets | $53,692,670 | 5,092 |
| Average equity | $6,985,330 | 5,027 |
| Average total loans | $40,246,330 | 4,800 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 2,446 |
| Cost of funding earning assets | 0.1707% | 5,235 |
| Net interest margin | 3.9856% | 1,504 |
| Noninterest income to average assets | 0.7133% | 1,904 |
| Noninterest expense to average assets | 2.9211% | 2,395 |
| Loan and lease loss provision to assets | 0.0815% | 2,185 |
| Net operating income to assets | 0.9307% | 2,613 |
| Return on assets (ROA) | 0.9307% | 2,665 |
| Pretax return on assets | 1.3587% | 2,035 |
| Return on Equity (ROE) | 7.8420% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.8420% | 1,527 |
| Net charge-offs to loans | 0.1100% | 1,290 |
| Credit loss provision to net charge-offs | 109.0909% | 1,481 |
| Earnings coverage of net charge-offs (x) | 19.2727% | 1,536 |
| Efficiency ratio | 66.9782% | 3,345 |
| Assets per employee ($millions) | 3.4805% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3201% | 5,733 |
| Loan loss allowance to noncurrent loans | 82.5806% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 3,650 |
| Noncurrent loans to loans | 0.3876% | 3,719 |
| Net loans and leases to total assets | 67.3641% | 2,767 |
| Net loans and leases to deposits | 77.7308% | 3,009 |
| Net loans and leases to core deposits | 80.7872% | 3,226 |
| Total domestic deposits to total assets | 86.6634% | 2,368 |
| Equity capital to assets | 11.9254% | 1,895 |
| Core capital (leverage) ratio | 12.0975% | 1,563 |
| Tier 1 risk-based capital ratio | 20.2770% | 1,337 |
| Total risk-based capital ratio | 20.6449% | 1,493 |
| Memoranda: | ||
| Average total assets | $58,881,500 | 5,135 |
| Average earning assets | $53,894,500 | 5,140 |
| Average equity | $6,988,000 | 5,068 |
| Average total loans | $39,982,500 | 4,850 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 2,605 |
| Cost of funding earning assets | 0.1857% | 5,152 |
| Net interest margin | 3.9798% | 1,696 |
| Noninterest income to average assets | 0.7909% | 1,779 |
| Noninterest expense to average assets | 3.2541% | 1,678 |
| Loan and lease loss provision to assets | 0.0495% | 3,407 |
| Net operating income to assets | 0.8080% | 3,270 |
| Return on assets (ROA) | 0.8080% | 3,377 |
| Pretax return on assets | 1.1479% | 2,907 |
| Return on Equity (ROE) | 6.8189% | 3,569 |
| Retained earnings to average equity (ytd only) | 0.5911% | 5,093 |
| Net charge-offs to loans | 0.0826% | 2,507 |
| Credit loss provision to net charge-offs | 90.6250% | 2,786 |
| Earnings coverage of net charge-offs (x) | 21.9063% | 1,756 |
| Efficiency ratio | 69.2249% | 3,034 |
| Assets per employee ($millions) | 3.4468% | 4,833 |
| Cash dividends to net income (ytd only)* | 91.3319% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3177% | 5,789 |
| Loan loss allowance to noncurrent loans | 208.1967% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 4,379 |
| Noncurrent loans to loans | 0.1526% | 4,627 |
| Net loans and leases to total assets | 68.0126% | 2,765 |
| Net loans and leases to deposits | 79.8477% | 2,904 |
| Net loans and leases to core deposits | 82.4393% | 3,182 |
| Total domestic deposits to total assets | 85.1779% | 2,968 |
| Equity capital to assets | 11.8099% | 1,931 |
| Core capital (leverage) ratio | 11.6400% | 1,833 |
| Tier 1 risk-based capital ratio | 19.9510% | 1,383 |
| Total risk-based capital ratio | 20.3171% | 1,541 |
| Memoranda: | ||
| Average total assets | $58,542,000 | 5,174 |
| Average earning assets | $53,846,800 | 5,174 |
| Average equity | $6,936,600 | 5,103 |
| Average total loans | $38,763,800 | 4,920 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 2,766 |
| Cost of funding earning assets | 0.1906% | 5,173 |
| Net interest margin | 3.9382% | 1,862 |
| Noninterest income to average assets | 0.8041% | 1,748 |
| Noninterest expense to average assets | 3.2325% | 1,712 |
| Loan and lease loss provision to assets | 0.0456% | 3,332 |
| Net operating income to assets | 0.7950% | 3,389 |
| Return on assets (ROA) | 0.7950% | 3,530 |
| Pretax return on assets | 1.1504% | 3,049 |
| Return on Equity (ROE) | 6.7042% | 3,720 |
| Retained earnings to average equity (ytd only) | 2.5549% | 4,385 |
| Net charge-offs to loans | 0.1005% | 1,942 |
| Credit loss provision to net charge-offs | 68.9655% | 2,812 |
| Earnings coverage of net charge-offs (x) | 18.1014% | 2,014 |
| Efficiency ratio | 69.0844% | 3,030 |
| Assets per employee ($millions) | 3.4736% | 4,809 |
| Cash dividends to net income (ytd only)* | 61.8907% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3070% | 5,854 |
| Loan loss allowance to noncurrent loans | 41.1565% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 3,043 |
| Noncurrent loans to loans | 0.7460% | 2,808 |
| Net loans and leases to total assets | 66.5346% | 3,034 |
| Net loans and leases to deposits | 76.7188% | 3,319 |
| Net loans and leases to core deposits | 79.1435% | 3,535 |
| Total domestic deposits to total assets | 86.7253% | 2,017 |
| Equity capital to assets | 11.8726% | 2,202 |
| Core capital (leverage) ratio | 11.9270% | 1,725 |
| Tier 1 risk-based capital ratio | 20.2499% | 1,398 |
| Total risk-based capital ratio | 20.6006% | 1,544 |
| Memoranda: | ||
| Average total assets | $58,528,750 | 5,217 |
| Average earning assets | $53,864,500 | 5,219 |
| Average equity | $6,940,750 | 5,153 |
| Average total loans | $38,460,000 | 4,978 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 2,739 |
| Cost of funding earning assets | 0.1975% | 5,173 |
| Net interest margin | 3.9347% | 1,863 |
| Noninterest income to average assets | 0.8054% | 1,694 |
| Noninterest expense to average assets | 3.1874% | 1,840 |
| Loan and lease loss provision to assets | 0.0685% | 2,768 |
| Net operating income to assets | 0.8089% | 3,269 |
| Return on assets (ROA) | 0.8089% | 3,400 |
| Pretax return on assets | 1.1687% | 2,911 |
| Return on Equity (ROE) | 6.8234% | 3,636 |
| Retained earnings to average equity (ytd only) | 0.5783% | 5,132 |
| Net charge-offs to loans | 0.1154% | 1,677 |
| Credit loss provision to net charge-offs | 90.9091% | 2,226 |
| Earnings coverage of net charge-offs (x) | 16.4091% | 1,932 |
| Efficiency ratio | 68.0868% | 3,325 |
| Assets per employee ($millions) | 3.4390% | 4,853 |
| Cash dividends to net income (ytd only)* | 91.5254% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3341% | 5,926 |
| Loan loss allowance to noncurrent loans | 60.9524% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 3,591 |
| Noncurrent loans to loans | 0.5481% | 3,423 |
| Net loans and leases to total assets | 65.3131% | 3,180 |
| Net loans and leases to deposits | 75.2691% | 3,456 |
| Net loans and leases to core deposits | 79.2594% | 3,525 |
| Total domestic deposits to total assets | 86.7728% | 2,025 |
| Equity capital to assets | 11.7989% | 2,270 |
| Core capital (leverage) ratio | 11.4861% | 2,001 |
| Tier 1 risk-based capital ratio | 19.7999% | 1,501 |
| Total risk-based capital ratio | 20.1700% | 1,678 |
| Memoranda: | ||
| Average total assets | $58,354,330 | 5,282 |
| Average earning assets | $53,676,330 | 5,275 |
| Average equity | $6,917,330 | 5,211 |
| Average total loans | $38,143,000 | 5,035 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 2,951 |
| Cost of funding earning assets | 0.2015% | 5,189 |
| Net interest margin | 3.8726% | 2,022 |
| Noninterest income to average assets | 0.8096% | 1,588 |
| Noninterest expense to average assets | 3.2796% | 1,651 |
| Loan and lease loss provision to assets | 0.1235% | 1,715 |
| Net operating income to assets | 0.6724% | 3,866 |
| Return on assets (ROA) | 0.6724% | 3,986 |
| Pretax return on assets | 0.9674% | 3,587 |
| Return on Equity (ROE) | 5.6590% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.6590% | 2,552 |
| Net charge-offs to loans | 0.2417% | 848 |
| Credit loss provision to net charge-offs | 78.2609% | 1,850 |
| Earnings coverage of net charge-offs (x) | 6.9130% | 2,197 |
| Efficiency ratio | 71.1146% | 2,932 |
| Assets per employee ($millions) | 3.4185% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3292% | 5,994 |
| Loan loss allowance to noncurrent loans | 122.5490% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 4,866 |
| Noncurrent loans to loans | 0.2687% | 4,474 |
| Net loans and leases to total assets | 65.1168% | 3,091 |
| Net loans and leases to deposits | 75.1504% | 3,311 |
| Net loans and leases to core deposits | 79.1475% | 3,399 |
| Total domestic deposits to total assets | 86.6487% | 2,382 |
| Equity capital to assets | 12.0040% | 2,030 |
| Core capital (leverage) ratio | 11.8238% | 1,730 |
| Tier 1 risk-based capital ratio | 20.1478% | 1,469 |
| Total risk-based capital ratio | 20.5127% | 1,637 |
| Memoranda: | ||
| Average total assets | $58,300,000 | 5,333 |
| Average earning assets | $53,607,000 | 5,326 |
| Average equity | $6,927,000 | 5,243 |
| Average total loans | $38,058,500 | 5,074 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 2,937 |
| Cost of funding earning assets | 0.2212% | 5,084 |
| Net interest margin | 3.8745% | 2,114 |
| Noninterest income to average assets | 0.7300% | 2,065 |
| Noninterest expense to average assets | 3.1225% | 2,169 |
| Loan and lease loss provision to assets | 0.0432% | 3,467 |
| Net operating income to assets | 0.7716% | 3,460 |
| Return on assets (ROA) | 0.7716% | 3,542 |
| Pretax return on assets | 1.1089% | 3,007 |
| Return on Equity (ROE) | 6.4445% | 3,813 |
| Retained earnings to average equity (ytd only) | 0.2023% | 5,428 |
| Net charge-offs to loans | 0.0840% | 2,634 |
| Credit loss provision to net charge-offs | 78.1250% | 2,984 |
| Earnings coverage of net charge-offs (x) | 20.8125% | 1,852 |
| Efficiency ratio | 68.9599% | 3,408 |
| Assets per employee ($millions) | 3.4404% | 4,921 |
| Cash dividends to net income (ytd only)* | 96.8610% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3408% | 6,032 |
| Loan loss allowance to noncurrent loans | 72.2222% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 4,370 |
| Noncurrent loans to loans | 0.4718% | 3,778 |
| Net loans and leases to total assets | 65.0070% | 3,123 |
| Net loans and leases to deposits | 75.1487% | 3,361 |
| Net loans and leases to core deposits | 79.6164% | 3,387 |
| Total domestic deposits to total assets | 86.5045% | 2,373 |
| Equity capital to assets | 11.7601% | 2,146 |
| Core capital (leverage) ratio | 11.5050% | 1,956 |
| Tier 1 risk-based capital ratio | 19.8280% | 1,510 |
| Total risk-based capital ratio | 20.2083% | 1,672 |
| Memoranda: | ||
| Average total assets | $57,805,400 | 5,368 |
| Average earning assets | $52,884,400 | 5,362 |
| Average equity | $6,920,600 | 5,256 |
| Average total loans | $38,081,800 | 5,087 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 3,006 |
| Cost of funding earning assets | 0.2199% | 5,189 |
| Net interest margin | 3.8641% | 2,146 |
| Noninterest income to average assets | 0.7403% | 2,064 |
| Noninterest expense to average assets | 3.0629% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8421% | 3,206 |
| Return on assets (ROA) | 0.8421% | 3,294 |
| Pretax return on assets | 1.2145% | 2,755 |
| Return on Equity (ROE) | 7.0019% | 3,614 |
| Retained earnings to average equity (ytd only) | 2.8470% | 4,414 |
| Net charge-offs to loans | 0.0420% | 3,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 43.7488% | 1,153 |
| Efficiency ratio | 67.4959% | 3,629 |
| Assets per employee ($millions) | 3.6417% | 4,537 |
| Cash dividends to net income (ytd only)* | 59.3402% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3269% | 6,135 |
| Loan loss allowance to noncurrent loans | 104.1667% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,931 |
| Noncurrent loans to loans | 0.3138% | 4,472 |
| Net loans and leases to total assets | 65.4075% | 3,092 |
| Net loans and leases to deposits | 75.6516% | 3,347 |
| Net loans and leases to core deposits | 80.5917% | 3,379 |
| Total domestic deposits to total assets | 86.4589% | 2,304 |
| Equity capital to assets | 12.0343% | 2,079 |
| Core capital (leverage) ratio | 11.8459% | 1,783 |
| Tier 1 risk-based capital ratio | 19.6177% | 1,645 |
| Total risk-based capital ratio | 19.9738% | 1,807 |
| Memoranda: | ||
| Average total assets | $57,635,250 | 5,439 |
| Average earning assets | $52,757,750 | 5,432 |
| Average equity | $6,931,250 | 5,324 |
| Average total loans | $38,064,750 | 5,142 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 3,052 |
| Cost of funding earning assets | 0.2207% | 5,248 |
| Net interest margin | 3.8351% | 2,193 |
| Noninterest income to average assets | 0.7244% | 2,113 |
| Noninterest expense to average assets | 3.0510% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8219% | 3,269 |
| Return on assets (ROA) | 0.8219% | 3,374 |
| Pretax return on assets | 1.1842% | 2,842 |
| Return on Equity (ROE) | 6.8363% | 3,711 |
| Retained earnings to average equity (ytd only) | 0.5793% | 5,324 |
| Net charge-offs to loans | 0.0474% | 2,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 37.7778% | 1,175 |
| Efficiency ratio | 67.8454% | 3,694 |
| Assets per employee ($millions) | 3.3822% | 5,015 |
| Cash dividends to net income (ytd only)* | 91.5254% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3377% | 6,198 |
| Loan loss allowance to noncurrent loans | 128.0000% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 5,182 |
| Noncurrent loans to loans | 0.2638% | 4,727 |
| Net loans and leases to total assets | 65.7043% | 3,007 |
| Net loans and leases to deposits | 77.4520% | 3,100 |
| Net loans and leases to core deposits | 82.6869% | 3,114 |
| Total domestic deposits to total assets | 84.8323% | 3,198 |
| Equity capital to assets | 11.9728% | 2,048 |
| Core capital (leverage) ratio | 11.6041% | 1,919 |
| Tier 1 risk-based capital ratio | 19.5385% | 1,659 |
| Total risk-based capital ratio | 19.9100% | 1,842 |
| Memoranda: | ||
| Average total assets | $57,424,670 | 5,504 |
| Average earning assets | $52,567,330 | 5,497 |
| Average equity | $6,904,330 | 5,376 |
| Average total loans | $38,007,670 | 5,183 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 3,351 |
| Cost of funding earning assets | 0.2204% | 5,314 |
| Net interest margin | 3.7470% | 2,441 |
| Noninterest income to average assets | 0.6970% | 2,171 |
| Noninterest expense to average assets | 3.1156% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7040% | 3,780 |
| Return on assets (ROA) | 0.7040% | 3,906 |
| Pretax return on assets | 1.0176% | 3,429 |
| Return on Equity (ROE) | 5.8428% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.8428% | 2,583 |
| Net charge-offs to loans | 0.0315% | 2,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 48.6667% | 852 |
| Efficiency ratio | 71.1636% | 3,300 |
| Assets per employee ($millions) | 3.9337% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3552% | 6,260 |
| Loan loss allowance to noncurrent loans | 134.0000% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 5,274 |
| Noncurrent loans to loans | 0.2651% | 4,829 |
| Net loans and leases to total assets | 63.7088% | 3,131 |
| Net loans and leases to deposits | 73.4793% | 3,370 |
| Net loans and leases to core deposits | 78.6904% | 3,306 |
| Total domestic deposits to total assets | 86.7030% | 2,549 |
| Equity capital to assets | 11.8039% | 2,192 |
| Core capital (leverage) ratio | 12.1407% | 1,552 |
| Tier 1 risk-based capital ratio | 19.9706% | 1,626 |
| Total risk-based capital ratio | 20.3648% | 1,795 |
| Memoranda: | ||
| Average total assets | $57,388,500 | 5,559 |
| Average earning assets | $52,628,500 | 5,543 |
| Average equity | $6,914,500 | 5,420 |
| Average total loans | $38,058,500 | 5,212 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 3,087 |
| Cost of funding earning assets | 0.2200% | 5,595 |
| Net interest margin | 3.9395% | 2,088 |
| Noninterest income to average assets | 0.8069% | 1,849 |
| Noninterest expense to average assets | 3.0178% | 2,793 |
| Loan and lease loss provision to assets | 0.0251% | 4,100 |
| Net operating income to assets | 0.9401% | 2,672 |
| Return on assets (ROA) | 0.9414% | 2,759 |
| Pretax return on assets | 1.3628% | 2,027 |
| Return on Equity (ROE) | 7.6546% | 3,295 |
| Retained earnings to average equity (ytd only) | 1.3705% | 5,163 |
| Net charge-offs to loans | 0.0212% | 4,417 |
| Credit loss provision to net charge-offs | 175.0000% | 1,386 |
| Earnings coverage of net charge-offs (x) | 96.6250% | 540 |
| Efficiency ratio | 64.4137% | 4,527 |
| Assets per employee ($millions) | 3.7181% | 4,493 |
| Cash dividends to net income (ytd only)* | 82.0952% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3569% | 6,346 |
| Loan loss allowance to noncurrent loans | 89.5425% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 4,936 |
| Noncurrent loans to loans | 0.3985% | 4,450 |
| Net loans and leases to total assets | 68.5912% | 2,473 |
| Net loans and leases to deposits | 81.7708% | 2,503 |
| Net loans and leases to core deposits | 88.1550% | 2,482 |
| Total domestic deposits to total assets | 83.8823% | 3,775 |
| Equity capital to assets | 12.3075% | 1,774 |
| Core capital (leverage) ratio | 11.9049% | 1,694 |
| Tier 1 risk-based capital ratio | 20.2001% | 1,557 |
| Total risk-based capital ratio | 20.6155% | 1,721 |
| Memoranda: | ||
| Average total assets | $55,769,000 | 5,657 |
| Average earning assets | $50,919,600 | 5,648 |
| Average equity | $6,858,600 | 5,447 |
| Average total loans | $37,799,400 | 5,264 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 3,291 |
| Cost of funding earning assets | 0.2174% | 5,691 |
| Net interest margin | 3.9036% | 2,223 |
| Noninterest income to average assets | 0.8081% | 1,864 |
| Noninterest expense to average assets | 2.9980% | 2,805 |
| Loan and lease loss provision to assets | 0.0215% | 3,977 |
| Net operating income to assets | 0.9331% | 2,764 |
| Return on assets (ROA) | 0.9348% | 2,843 |
| Pretax return on assets | 1.3532% | 2,181 |
| Return on Equity (ROE) | 7.6025% | 3,399 |
| Retained earnings to average equity (ytd only) | 3.4027% | 4,202 |
| Net charge-offs to loans | 0.0212% | 4,096 |
| Credit loss provision to net charge-offs | 150.0000% | 1,580 |
| Earnings coverage of net charge-offs (x) | 95.6638% | 601 |
| Efficiency ratio | 64.4420% | 4,475 |
| Assets per employee ($millions) | 3.7394% | 4,417 |
| Cash dividends to net income (ytd only)* | 55.2425% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3478% | 6,438 |
| Loan loss allowance to noncurrent loans | 214.2857% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 5,714 |
| Noncurrent loans to loans | 0.1623% | 5,425 |
| Net loans and leases to total assets | 68.9665% | 2,376 |
| Net loans and leases to deposits | 81.4623% | 2,494 |
| Net loans and leases to core deposits | 87.7208% | 2,462 |
| Total domestic deposits to total assets | 84.6606% | 3,473 |
| Equity capital to assets | 12.3817% | 1,787 |
| Core capital (leverage) ratio | 12.0927% | 1,641 |
| Tier 1 risk-based capital ratio | 20.2344% | 1,608 |
| Total risk-based capital ratio | 20.6410% | 1,778 |
| Memoranda: | ||
| Average total assets | $55,768,500 | 5,716 |
| Average earning assets | $50,891,750 | 5,707 |
| Average equity | $6,857,250 | 5,502 |
| Average total loans | $37,651,500 | 5,316 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 3,277 |
| Cost of funding earning assets | 0.2127% | 5,806 |
| Net interest margin | 3.9033% | 2,151 |
| Noninterest income to average assets | 0.8049% | 1,818 |
| Noninterest expense to average assets | 2.9536% | 2,991 |
| Loan and lease loss provision to assets | 0.0216% | 3,845 |
| Net operating income to assets | 0.9605% | 2,507 |
| Return on assets (ROA) | 0.9630% | 2,578 |
| Pretax return on assets | 1.3942% | 1,911 |
| Return on Equity (ROE) | 7.8500% | 3,185 |
| Retained earnings to average equity (ytd only) | 1.5524% | 5,118 |
| Net charge-offs to loans | 0.0161% | 3,906 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 460 |
| Efficiency ratio | 63.4568% | 4,777 |
| Assets per employee ($millions) | 3.2474% | 5,343 |
| Cash dividends to net income (ytd only)* | 80.2239% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3581% | 6,507 |
| Loan loss allowance to noncurrent loans | 638.0952% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 6,093 |
| Noncurrent loans to loans | 0.0561% | 5,872 |
| Net loans and leases to total assets | 67.5434% | 2,494 |
| Net loans and leases to deposits | 79.0000% | 2,656 |
| Net loans and leases to core deposits | 84.1735% | 2,721 |
| Total domestic deposits to total assets | 85.4980% | 3,286 |
| Equity capital to assets | 12.3592% | 1,732 |
| Core capital (leverage) ratio | 11.8631% | 1,743 |
| Tier 1 risk-based capital ratio | 20.4164% | 1,587 |
| Total risk-based capital ratio | 20.8328% | 1,760 |
| Memoranda: | ||
| Average total assets | $55,661,000 | 5,771 |
| Average earning assets | $50,778,000 | 5,762 |
| Average equity | $6,828,000 | 5,531 |
| Average total loans | $37,262,330 | 5,365 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,484 |
| Cost of funding earning assets | 0.2114% | 5,907 |
| Net interest margin | 3.8366% | 2,317 |
| Noninterest income to average assets | 0.7873% | 1,809 |
| Noninterest expense to average assets | 3.0418% | 2,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8660% | 2,822 |
| Return on assets (ROA) | 0.8660% | 2,887 |
| Pretax return on assets | 1.2525% | 2,277 |
| Return on Equity (ROE) | 7.0859% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.0859% | 1,996 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,418 |
| Assets per employee ($millions) | 3.2704% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3543% | 6,587 |
| Loan loss allowance to noncurrent loans | 69.6809% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 5,131 |
| Noncurrent loans to loans | 0.5085% | 4,642 |
| Net loans and leases to total assets | 66.2620% | 2,524 |
| Net loans and leases to deposits | 76.6170% | 2,743 |
| Net loans and leases to core deposits | 81.5870% | 2,781 |
| Total domestic deposits to total assets | 86.4846% | 3,117 |
| Equity capital to assets | 12.3948% | 1,630 |
| Core capital (leverage) ratio | 11.9295% | 1,695 |
| Tier 1 risk-based capital ratio | 20.4737% | 1,593 |
| Total risk-based capital ratio | 20.8793% | 1,781 |
| Memoranda: | ||
| Average total assets | $55,888,500 | 5,818 |
| Average earning assets | $51,087,500 | 5,812 |
| Average equity | $6,830,500 | 5,559 |
| Average total loans | $37,182,500 | 5,416 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 3,563 |
| Cost of funding earning assets | 0.2452% | 5,999 |
| Net interest margin | 3.8990% | 2,289 |
| Noninterest income to average assets | 0.7359% | 2,354 |
| Noninterest expense to average assets | 2.9678% | 3,139 |
| Loan and lease loss provision to assets | 0.0506% | 4,125 |
| Net operating income to assets | 0.8956% | 2,806 |
| Return on assets (ROA) | 0.8980% | 2,884 |
| Pretax return on assets | 1.2973% | 2,167 |
| Return on Equity (ROE) | 7.6385% | 3,224 |
| Retained earnings to average equity (ytd only) | 1.6463% | 5,045 |
| Net charge-offs to loans | 0.1438% | 3,362 |
| Credit loss provision to net charge-offs | 53.7037% | 3,734 |
| Earnings coverage of net charge-offs (x) | 14.2778% | 1,957 |
| Efficiency ratio | 64.7392% | 4,782 |
| Assets per employee ($millions) | 3.1212% | 5,636 |
| Cash dividends to net income (ytd only)* | 78.4466% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3503% | 6,668 |
| Loan loss allowance to noncurrent loans | 503.8462% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 6,235 |
| Noncurrent loans to loans | 0.0695% | 6,010 |
| Net loans and leases to total assets | 66.3285% | 2,642 |
| Net loans and leases to deposits | 77.7516% | 2,754 |
| Net loans and leases to core deposits | 82.8126% | 2,797 |
| Total domestic deposits to total assets | 85.3082% | 3,591 |
| Equity capital to assets | 12.0503% | 1,770 |
| Core capital (leverage) ratio | 11.3995% | 2,036 |
| Tier 1 risk-based capital ratio | 19.8502% | 1,686 |
| Total risk-based capital ratio | 20.2523% | 1,883 |
| Memoranda: | ||
| Average total assets | $57,348,600 | 5,826 |
| Average earning assets | $52,602,600 | 5,815 |
| Average equity | $6,742,200 | 5,633 |
| Average total loans | $37,550,200 | 5,444 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 3,672 |
| Cost of funding earning assets | 0.2499% | 6,086 |
| Net interest margin | 3.8724% | 2,374 |
| Noninterest income to average assets | 0.7171% | 2,527 |
| Noninterest expense to average assets | 2.9770% | 3,062 |
| Loan and lease loss provision to assets | 0.0648% | 3,761 |
| Net operating income to assets | 0.8504% | 3,095 |
| Return on assets (ROA) | 0.8535% | 3,193 |
| Pretax return on assets | 1.2283% | 2,584 |
| Return on Equity (ROE) | 7.3047% | 3,483 |
| Retained earnings to average equity (ytd only) | 3.3059% | 4,323 |
| Net charge-offs to loans | 0.1171% | 3,377 |
| Credit loss provision to net charge-offs | 84.8485% | 2,733 |
| Earnings coverage of net charge-offs (x) | 16.8784% | 1,770 |
| Efficiency ratio | 65.6725% | 4,549 |
| Assets per employee ($millions) | 3.1776% | 5,544 |
| Cash dividends to net income (ytd only)* | 54.7430% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3904% | 6,728 |
| Loan loss allowance to noncurrent loans | 202.7027% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 6,049 |
| Noncurrent loans to loans | 0.1926% | 5,760 |
| Net loans and leases to total assets | 66.9208% | 2,476 |
| Net loans and leases to deposits | 79.4223% | 2,487 |
| Net loans and leases to core deposits | 85.1145% | 2,529 |
| Total domestic deposits to total assets | 84.2594% | 4,079 |
| Equity capital to assets | 11.9344% | 1,956 |
| Core capital (leverage) ratio | 11.4060% | 2,119 |
| Tier 1 risk-based capital ratio | 17.5732% | 2,485 |
| Total risk-based capital ratio | 17.9790% | 2,789 |
| Memoranda: | ||
| Average total assets | $57,640,500 | 5,885 |
| Average earning assets | $52,817,250 | 5,873 |
| Average equity | $6,735,250 | 5,706 |
| Average total loans | $37,589,000 | 5,493 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0897% | 3,778 |
| Cost of funding earning assets | 0.2603% | 6,101 |
| Net interest margin | 3.8293% | 2,449 |
| Noninterest income to average assets | 0.6853% | 2,715 |
| Noninterest expense to average assets | 2.9660% | 3,103 |
| Loan and lease loss provision to assets | 0.0692% | 3,653 |
| Net operating income to assets | 0.8051% | 3,267 |
| Return on assets (ROA) | 0.8098% | 3,391 |
| Pretax return on assets | 1.1698% | 2,808 |
| Return on Equity (ROE) | 6.9799% | 3,611 |
| Retained earnings to average equity (ytd only) | 0.9545% | 5,524 |
| Net charge-offs to loans | 0.1340% | 3,034 |
| Credit loss provision to net charge-offs | 80.0000% | 2,622 |
| Earnings coverage of net charge-offs (x) | 14.2400% | 1,839 |
| Efficiency ratio | 66.4468% | 4,466 |
| Assets per employee ($millions) | 3.1504% | 5,586 |
| Cash dividends to net income (ytd only)* | 86.3248% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3957% | 6,773 |
| Loan loss allowance to noncurrent loans | 205.4795% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 6,098 |
| Noncurrent loans to loans | 0.1926% | 5,833 |
| Net loans and leases to total assets | 66.5814% | 2,490 |
| Net loans and leases to deposits | 79.8127% | 2,347 |
| Net loans and leases to core deposits | 86.6344% | 2,269 |
| Total domestic deposits to total assets | 83.4221% | 4,533 |
| Equity capital to assets | 11.7990% | 2,050 |
| Core capital (leverage) ratio | 11.2312% | 2,145 |
| Tier 1 risk-based capital ratio | 17.2431% | 2,615 |
| Total risk-based capital ratio | 17.6512% | 2,943 |
| Memoranda: | ||
| Average total assets | $57,788,670 | 5,920 |
| Average earning assets | $53,011,670 | 5,895 |
| Average equity | $6,705,000 | 5,758 |
| Average total loans | $37,310,000 | 5,527 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 3,834 |
| Cost of funding earning assets | 0.2845% | 6,076 |
| Net interest margin | 3.7879% | 2,496 |
| Noninterest income to average assets | 0.6652% | 2,788 |
| Noninterest expense to average assets | 3.0379% | 2,870 |
| Loan and lease loss provision to assets | 0.0549% | 3,717 |
| Net operating income to assets | 0.7222% | 3,579 |
| Return on assets (ROA) | 0.7269% | 3,692 |
| Pretax return on assets | 1.0492% | 3,150 |
| Return on Equity (ROE) | 6.3170% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.3170% | 2,496 |
| Net charge-offs to loans | 0.1405% | 2,564 |
| Credit loss provision to net charge-offs | 61.5385% | 2,420 |
| Earnings coverage of net charge-offs (x) | 12.3077% | 1,607 |
| Efficiency ratio | 69.3201% | 4,091 |
| Assets per employee ($millions) | 3.0749% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4057% | 6,845 |
| Loan loss allowance to noncurrent loans | 182.9268% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 6,152 |
| Noncurrent loans to loans | 0.2218% | 5,857 |
| Net loans and leases to total assets | 63.0220% | 2,880 |
| Net loans and leases to deposits | 72.1536% | 3,166 |
| Net loans and leases to core deposits | 77.8370% | 3,093 |
| Total domestic deposits to total assets | 87.3442% | 2,729 |
| Equity capital to assets | 11.5791% | 2,349 |
| Core capital (leverage) ratio | 11.0720% | 2,202 |
| Tier 1 risk-based capital ratio | 17.3622% | 2,621 |
| Total risk-based capital ratio | 17.7700% | 2,947 |
| Memoranda: | ||
| Average total assets | $58,329,000 | 5,955 |
| Average earning assets | $53,433,500 | 5,924 |
| Average equity | $6,712,000 | 5,814 |
| Average total loans | $37,011,500 | 5,576 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 3,706 |
| Cost of funding earning assets | 0.3872% | 5,999 |
| Net interest margin | 4.0412% | 2,234 |
| Noninterest income to average assets | 0.7119% | 2,664 |
| Noninterest expense to average assets | 3.0351% | 3,146 |
| Loan and lease loss provision to assets | 0.0198% | 5,656 |
| Net operating income to assets | 0.9174% | 2,733 |
| Return on assets (ROA) | 0.9174% | 2,971 |
| Pretax return on assets | 1.3247% | 2,303 |
| Return on Equity (ROE) | 7.6234% | 3,273 |
| Retained earnings to average equity (ytd only) | 0.7339% | 5,500 |
| Net charge-offs to loans | 0.0219% | 5,595 |
| Credit loss provision to net charge-offs | 137.5000% | 2,008 |
| Earnings coverage of net charge-offs (x) | 93.2500% | 414 |
| Efficiency ratio | 65.1440% | 4,678 |
| Assets per employee ($millions) | 3.0649% | 5,912 |
| Cash dividends to net income (ytd only)* | 90.3733% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4183% | 6,884 |
| Loan loss allowance to noncurrent loans | 206.6667% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 6,249 |
| Noncurrent loans to loans | 0.2024% | 5,966 |
| Net loans and leases to total assets | 63.3616% | 2,995 |
| Net loans and leases to deposits | 72.3888% | 3,347 |
| Net loans and leases to core deposits | 77.2765% | 3,363 |
| Total domestic deposits to total assets | 87.5296% | 2,512 |
| Equity capital to assets | 11.4349% | 2,504 |
| Core capital (leverage) ratio | 11.1230% | 2,148 |
| Tier 1 risk-based capital ratio | 16.8363% | 2,733 |
| Total risk-based capital ratio | 17.2535% | 3,116 |
| Memoranda: | ||
| Average total assets | $55,483,800 | 6,035 |
| Average earning assets | $50,356,200 | 6,034 |
| Average equity | $6,676,800 | 5,855 |
| Average total loans | $36,564,400 | 5,657 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 3,704 |
| Cost of funding earning assets | 0.3974% | 6,136 |
| Net interest margin | 4.0867% | 2,140 |
| Noninterest income to average assets | 0.7056% | 2,688 |
| Noninterest expense to average assets | 3.0683% | 2,985 |
| Loan and lease loss provision to assets | 0.0268% | 5,448 |
| Net operating income to assets | 0.9076% | 2,945 |
| Return on assets (ROA) | 0.9076% | 3,176 |
| Pretax return on assets | 1.3139% | 2,542 |
| Return on Equity (ROE) | 7.4435% | 3,562 |
| Retained earnings to average equity (ytd only) | 2.8537% | 4,840 |
| Net charge-offs to loans | 0.0329% | 5,186 |
| Credit loss provision to net charge-offs | 122.2222% | 2,365 |
| Earnings coverage of net charge-offs (x) | 61.2208% | 644 |
| Efficiency ratio | 65.3974% | 4,561 |
| Assets per employee ($millions) | 2.9368% | 6,156 |
| Cash dividends to net income (ytd only)* | 61.6625% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4147% | 7,000 |
| Loan loss allowance to noncurrent loans | 92.7711% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 5,958 |
| Noncurrent loans to loans | 0.4470% | 5,555 |
| Net loans and leases to total assets | 66.2814% | 2,603 |
| Net loans and leases to deposits | 77.0360% | 2,807 |
| Net loans and leases to core deposits | 83.5310% | 2,755 |
| Total domestic deposits to total assets | 86.0394% | 3,235 |
| Equity capital to assets | 12.1022% | 2,176 |
| Core capital (leverage) ratio | 11.4690% | 2,007 |
| Tier 1 risk-based capital ratio | 17.1994% | 2,652 |
| Total risk-based capital ratio | 17.6183% | 3,043 |
| Memoranda: | ||
| Average total assets | $54,796,250 | 6,129 |
| Average earning assets | $49,655,750 | 6,130 |
| Average equity | $6,681,250 | 5,917 |
| Average total loans | $36,442,250 | 5,728 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 3,682 |
| Cost of funding earning assets | 0.4092% | 6,221 |
| Net interest margin | 4.1118% | 2,040 |
| Noninterest income to average assets | 0.7161% | 2,573 |
| Noninterest expense to average assets | 3.0186% | 3,189 |
| Loan and lease loss provision to assets | 0.0404% | 5,166 |
| Net operating income to assets | 0.9585% | 2,619 |
| Return on assets (ROA) | 0.9585% | 2,869 |
| Pretax return on assets | 1.3845% | 2,260 |
| Return on Equity (ROE) | 7.8410% | 3,327 |
| Retained earnings to average equity (ytd only) | 0.9313% | 5,699 |
| Net charge-offs to loans | 0.0497% | 4,707 |
| Credit loss provision to net charge-offs | 122.2222% | 2,247 |
| Earnings coverage of net charge-offs (x) | 43.1111% | 826 |
| Efficiency ratio | 63.7190% | 4,942 |
| Assets per employee ($millions) | 2.9216% | 6,202 |
| Cash dividends to net income (ytd only)* | 88.1226% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 7,065 |
| Loan loss allowance to noncurrent loans | 95.0617% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 6,038 |
| Noncurrent loans to loans | 0.4488% | 5,637 |
| Net loans and leases to total assets | 64.7487% | 2,883 |
| Net loans and leases to deposits | 74.0797% | 3,283 |
| Net loans and leases to core deposits | 79.3947% | 3,304 |
| Total domestic deposits to total assets | 87.4041% | 2,534 |
| Equity capital to assets | 11.9636% | 2,177 |
| Core capital (leverage) ratio | 11.3544% | 2,007 |
| Tier 1 risk-based capital ratio | 17.0884% | 2,631 |
| Total risk-based capital ratio | 17.5138% | 2,994 |
| Memoranda: | ||
| Average total assets | $54,461,670 | 6,176 |
| Average earning assets | $49,370,000 | 6,179 |
| Average equity | $6,657,330 | 5,945 |
| Average total loans | $36,210,000 | 5,777 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 3,668 |
| Cost of funding earning assets | 0.4185% | 6,322 |
| Net interest margin | 4.1440% | 1,958 |
| Noninterest income to average assets | 0.7342% | 2,473 |
| Noninterest expense to average assets | 3.1815% | 2,665 |
| Loan and lease loss provision to assets | 0.0816% | 4,371 |
| Net operating income to assets | 0.8232% | 3,279 |
| Return on assets (ROA) | 0.8232% | 3,508 |
| Pretax return on assets | 1.2162% | 2,851 |
| Return on Equity (ROE) | 6.6612% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.6612% | 2,601 |
| Net charge-offs to loans | 0.1434% | 3,241 |
| Credit loss provision to net charge-offs | 84.6154% | 2,648 |
| Earnings coverage of net charge-offs (x) | 13.4615% | 1,533 |
| Efficiency ratio | 66.8874% | 4,380 |
| Assets per employee ($millions) | 2.9287% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4137% | 7,127 |
| Loan loss allowance to noncurrent loans | 277.7778% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 6,509 |
| Noncurrent loans to loans | 0.1489% | 6,385 |
| Net loans and leases to total assets | 64.8935% | 2,672 |
| Net loans and leases to deposits | 74.4659% | 3,052 |
| Net loans and leases to core deposits | 78.5051% | 3,260 |
| Total domestic deposits to total assets | 87.1453% | 2,861 |
| Equity capital to assets | 12.0784% | 1,989 |
| Core capital (leverage) ratio | 11.8404% | 1,682 |
| Tier 1 risk-based capital ratio | 18.6664% | 2,090 |
| Total risk-based capital ratio | 19.1151% | 2,311 |
| Memoranda: | ||
| Average total assets | $53,937,500 | 6,234 |
| Average earning assets | $48,745,500 | 6,247 |
| Average equity | $6,665,500 | 5,975 |
| Average total loans | $36,267,000 | 5,811 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 3,479 |
| Cost of funding earning assets | 0.5544% | 6,322 |
| Net interest margin | 4.3198% | 1,635 |
| Noninterest income to average assets | 0.8184% | 1,971 |
| Noninterest expense to average assets | 3.2869% | 2,562 |
| Loan and lease loss provision to assets | 0.0460% | 6,001 |
| Net operating income to assets | 0.9429% | 2,440 |
| Return on assets (ROA) | 0.9429% | 2,561 |
| Pretax return on assets | 1.3684% | 1,885 |
| Return on Equity (ROE) | 7.4070% | 3,197 |
| Retained earnings to average equity (ytd only) | 0.5570% | 5,585 |
| Net charge-offs to loans | 0.0667% | 5,639 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 830 |
| Efficiency ratio | 65.5116% | 4,863 |
| Assets per employee ($millions) | 2.7489% | 6,536 |
| Cash dividends to net income (ytd only)* | 92.4797% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4190% | 7,155 |
| Loan loss allowance to noncurrent loans | 187.6543% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 6,559 |
| Noncurrent loans to loans | 0.2233% | 6,291 |
| Net loans and leases to total assets | 69.1595% | 2,191 |
| Net loans and leases to deposits | 80.0097% | 2,515 |
| Net loans and leases to core deposits | 84.6900% | 2,786 |
| Total domestic deposits to total assets | 86.4388% | 3,059 |
| Equity capital to assets | 12.6556% | 1,692 |
| Core capital (leverage) ratio | 11.6110% | 1,815 |
| Tier 1 risk-based capital ratio | 18.5628% | 2,028 |
| Total risk-based capital ratio | 19.0250% | 2,246 |
| Memoranda: | ||
| Average total assets | $52,177,400 | 6,299 |
| Average earning assets | $46,900,600 | 6,301 |
| Average equity | $6,642,400 | 5,974 |
| Average total loans | $35,960,400 | 5,870 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 3,675 |
| Cost of funding earning assets | 0.5776% | 6,390 |
| Net interest margin | 4.2934% | 1,745 |
| Noninterest income to average assets | 0.8205% | 1,958 |
| Noninterest expense to average assets | 3.2895% | 2,531 |
| Loan and lease loss provision to assets | 0.0256% | 6,131 |
| Net operating income to assets | 0.9406% | 2,566 |
| Return on assets (ROA) | 0.9406% | 2,732 |
| Pretax return on assets | 1.3623% | 2,077 |
| Return on Equity (ROE) | 7.3776% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.0673% | 4,501 |
| Net charge-offs to loans | 0.0483% | 5,507 |
| Credit loss provision to net charge-offs | 76.9231% | 4,241 |
| Earnings coverage of net charge-offs (x) | 41.7761% | 749 |
| Efficiency ratio | 65.9016% | 4,740 |
| Assets per employee ($millions) | 2.8133% | 6,468 |
| Cash dividends to net income (ytd only)* | 58.4245% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4065% | 7,225 |
| Loan loss allowance to noncurrent loans | 270.9091% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 6,801 |
| Noncurrent loans to loans | 0.1500% | 6,571 |
| Net loans and leases to total assets | 68.2987% | 2,424 |
| Net loans and leases to deposits | 78.7757% | 2,848 |
| Net loans and leases to core deposits | 84.1971% | 3,037 |
| Total domestic deposits to total assets | 86.7002% | 2,825 |
| Equity capital to assets | 12.5833% | 1,862 |
| Core capital (leverage) ratio | 11.8173% | 1,816 |
| Tier 1 risk-based capital ratio | 18.7997% | 1,993 |
| Total risk-based capital ratio | 19.2520% | 2,214 |
| Memoranda: | ||
| Average total assets | $52,164,250 | 6,351 |
| Average earning assets | $46,861,750 | 6,348 |
| Average equity | $6,650,500 | 6,013 |
| Average total loans | $35,882,000 | 5,928 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 3,811 |
| Cost of funding earning assets | 0.5930% | 6,497 |
| Net interest margin | 4.2671% | 1,779 |
| Noninterest income to average assets | 0.8350% | 1,864 |
| Noninterest expense to average assets | 3.3053% | 2,540 |
| Loan and lease loss provision to assets | 0.0116% | 6,128 |
| Net operating income to assets | 0.9317% | 2,509 |
| Return on assets (ROA) | 0.9317% | 2,615 |
| Pretax return on assets | 1.3569% | 1,939 |
| Return on Equity (ROE) | 7.2751% | 3,307 |
| Retained earnings to average equity (ytd only) | 0.7849% | 5,544 |
| Net charge-offs to loans | 0.0505% | 5,148 |
| Credit loss provision to net charge-offs | 33.3333% | 4,934 |
| Earnings coverage of net charge-offs (x) | 39.3333% | 750 |
| Efficiency ratio | 66.2531% | 4,828 |
| Assets per employee ($millions) | 2.7626% | 6,535 |
| Cash dividends to net income (ytd only)* | 89.2116% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4047% | 7,292 |
| Loan loss allowance to noncurrent loans | 768.4211% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 7,006 |
| Noncurrent loans to loans | 0.0527% | 6,853 |
| Net loans and leases to total assets | 68.4549% | 2,523 |
| Net loans and leases to deposits | 78.9662% | 2,970 |
| Net loans and leases to core deposits | 84.0043% | 3,207 |
| Total domestic deposits to total assets | 86.6889% | 2,931 |
| Equity capital to assets | 12.5719% | 1,742 |
| Core capital (leverage) ratio | 11.5053% | 1,909 |
| Tier 1 risk-based capital ratio | 18.3819% | 2,049 |
| Total risk-based capital ratio | 18.8263% | 2,283 |
| Memoranda: | ||
| Average total assets | $51,735,000 | 6,421 |
| Average earning assets | $46,542,330 | 6,422 |
| Average equity | $6,625,330 | 6,045 |
| Average total loans | $35,624,000 | 5,984 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8856% | 3,659 |
| Cost of funding earning assets | 0.6085% | 6,581 |
| Net interest margin | 4.2771% | 1,634 |
| Noninterest income to average assets | 0.8567% | 1,829 |
| Noninterest expense to average assets | 3.2011% | 2,891 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0125% | 2,147 |
| Return on assets (ROA) | 1.0125% | 2,196 |
| Pretax return on assets | 1.4876% | 1,482 |
| Return on Equity (ROE) | 7.8331% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.8331% | 1,799 |
| Net charge-offs to loans | 0.0904% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 23.8750% | 1,004 |
| Efficiency ratio | 63.7874% | 5,396 |
| Assets per employee ($millions) | 2.7488% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4049% | 7,347 |
| Loan loss allowance to noncurrent loans | 320.0000% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 6,425 |
| Noncurrent loans to loans | 0.1265% | 6,731 |
| Net loans and leases to total assets | 67.8117% | 2,591 |
| Net loans and leases to deposits | 78.5277% | 2,972 |
| Net loans and leases to core deposits | 83.5855% | 3,224 |
| Total domestic deposits to total assets | 86.3538% | 3,306 |
| Equity capital to assets | 12.8363% | 1,457 |
| Core capital (leverage) ratio | 11.9807% | 1,581 |
| Tier 1 risk-based capital ratio | 18.7799% | 1,874 |
| Total risk-based capital ratio | 19.2220% | 2,089 |
| Memoranda: | ||
| Average total assets | $51,357,500 | 6,481 |
| Average earning assets | $46,013,000 | 6,491 |
| Average equity | $6,638,500 | 6,048 |
| Average total loans | $35,397,000 | 6,057 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3170% | 3,040 |
| Cost of funding earning assets | 0.6632% | 6,976 |
| Net interest margin | 4.6538% | 900 |
| Noninterest income to average assets | 0.8596% | 2,015 |
| Noninterest expense to average assets | 3.5334% | 2,089 |
| Loan and lease loss provision to assets | 0.0948% | 6,197 |
| Net operating income to assets | 0.9565% | 2,184 |
| Return on assets (ROA) | 0.9565% | 2,306 |
| Pretax return on assets | 1.3661% | 1,745 |
| Return on Equity (ROE) | 7.1938% | 3,028 |
| Retained earnings to average equity (ytd only) | 0.6678% | 5,237 |
| Net charge-offs to loans | 0.1344% | 5,571 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 15.4043% | 1,282 |
| Efficiency ratio | 66.3838% | 4,900 |
| Assets per employee ($millions) | 2.6573% | 6,757 |
| Cash dividends to net income (ytd only)* | 90.7173% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4314% | 7,405 |
| Loan loss allowance to noncurrent loans | 353.4884% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 6,458 |
| Noncurrent loans to loans | 0.1220% | 6,832 |
| Net loans and leases to total assets | 69.4858% | 2,666 |
| Net loans and leases to deposits | 82.3019% | 2,747 |
| Net loans and leases to core deposits | 87.9336% | 3,065 |
| Total domestic deposits to total assets | 84.4280% | 4,160 |
| Equity capital to assets | 13.0189% | 1,384 |
| Core capital (leverage) ratio | 11.8075% | 1,666 |
| Tier 1 risk-based capital ratio | 18.5946% | 1,818 |
| Total risk-based capital ratio | 19.0689% | 2,019 |
| Memoranda: | ||
| Average total assets | $49,555,800 | 6,557 |
| Average earning assets | $44,028,600 | 6,577 |
| Average equity | $6,589,000 | 6,170 |
| Average total loans | $34,980,400 | 6,154 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 3,127 |
| Cost of funding earning assets | 0.6640% | 7,143 |
| Net interest margin | 4.6845% | 874 |
| Noninterest income to average assets | 0.8407% | 2,028 |
| Noninterest expense to average assets | 3.4736% | 2,104 |
| Loan and lease loss provision to assets | 0.1216% | 5,810 |
| Net operating income to assets | 0.9813% | 2,299 |
| Return on assets (ROA) | 0.9813% | 2,416 |
| Pretax return on assets | 1.4030% | 1,871 |
| Return on Equity (ROE) | 7.3410% | 3,180 |
| Retained earnings to average equity (ytd only) | 2.9930% | 4,338 |
| Net charge-offs to loans | 0.1718% | 4,936 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 12.5330% | 1,674 |
| Efficiency ratio | 65.1163% | 5,033 |
| Assets per employee ($millions) | 2.7861% | 6,612 |
| Cash dividends to net income (ytd only)* | 59.2285% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4263% | 7,510 |
| Loan loss allowance to noncurrent loans | 15,200.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 6,455 |
| Noncurrent loans to loans | 0.0028% | 7,269 |
| Net loans and leases to total assets | 70.7916% | 2,535 |
| Net loans and leases to deposits | 84.3198% | 2,650 |
| Net loans and leases to core deposits | 90.1844% | 3,069 |
| Total domestic deposits to total assets | 83.9561% | 4,154 |
| Equity capital to assets | 13.3141% | 1,441 |
| Core capital (leverage) ratio | 12.1508% | 1,584 |
| Tier 1 risk-based capital ratio | 19.0316% | 1,745 |
| Total risk-based capital ratio | 19.5107% | 1,902 |
| Memoranda: | ||
| Average total assets | $49,322,750 | 6,646 |
| Average earning assets | $43,774,250 | 6,668 |
| Average equity | $6,593,000 | 6,241 |
| Average total loans | $34,917,000 | 6,242 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3289% | 3,325 |
| Cost of funding earning assets | 0.6673% | 7,261 |
| Net interest margin | 4.6616% | 878 |
| Noninterest income to average assets | 0.8115% | 2,062 |
| Noninterest expense to average assets | 3.5558% | 1,896 |
| Loan and lease loss provision to assets | 0.1509% | 5,393 |
| Net operating income to assets | 0.8726% | 2,649 |
| Return on assets (ROA) | 0.8726% | 2,781 |
| Pretax return on assets | 1.2355% | 2,305 |
| Return on Equity (ROE) | 6.5194% | 3,538 |
| Retained earnings to average equity (ytd only) | -0.0305% | 5,736 |
| Net charge-offs to loans | 0.2134% | 4,331 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 9.1892% | 2,044 |
| Efficiency ratio | 67.4917% | 4,676 |
| Assets per employee ($millions) | 2.7555% | 6,673 |
| Cash dividends to net income (ytd only)* | 100.4673% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4297% | 7,580 |
| Loan loss allowance to noncurrent loans | 2,533.3333% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 6,429 |
| Noncurrent loans to loans | 0.0170% | 7,287 |
| Net loans and leases to total assets | 71.0155% | 2,651 |
| Net loans and leases to deposits | 86.3817% | 2,449 |
| Net loans and leases to core deposits | 89.6807% | 3,318 |
| Total domestic deposits to total assets | 82.2113% | 4,902 |
| Equity capital to assets | 13.1616% | 1,494 |
| Core capital (leverage) ratio | 12.0354% | 1,622 |
| Tier 1 risk-based capital ratio | 18.7037% | 1,789 |
| Total risk-based capital ratio | 19.1888% | 1,942 |
| Memoranda: | ||
| Average total assets | $49,047,000 | 6,693 |
| Average earning assets | $43,461,330 | 6,719 |
| Average equity | $6,565,000 | 6,281 |
| Average total loans | $34,671,330 | 6,302 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 3,334 |
| Cost of funding earning assets | 0.6481% | 7,447 |
| Net interest margin | 4.6944% | 788 |
| Noninterest income to average assets | 0.7874% | 2,084 |
| Noninterest expense to average assets | 3.5185% | 1,931 |
| Loan and lease loss provision to assets | 0.1066% | 5,561 |
| Net operating income to assets | 0.8940% | 2,570 |
| Return on assets (ROA) | 0.8940% | 2,642 |
| Pretax return on assets | 1.3205% | 1,998 |
| Return on Equity (ROE) | 6.6226% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.6226% | 2,310 |
| Net charge-offs to loans | 0.1515% | 4,024 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 13.3846% | 1,499 |
| Efficiency ratio | 66.6667% | 4,978 |
| Assets per employee ($millions) | 2.7048% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4424% | 7,653 |
| Loan loss allowance to noncurrent loans | 760.0000% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 6,244 |
| Noncurrent loans to loans | 0.0582% | 7,257 |
| Net loans and leases to total assets | 70.2646% | 2,862 |
| Net loans and leases to deposits | 82.7324% | 3,155 |
| Net loans and leases to core deposits | 84.5711% | 4,123 |
| Total domestic deposits to total assets | 84.9300% | 3,708 |
| Equity capital to assets | 13.6343% | 1,274 |
| Core capital (leverage) ratio | 12.2554% | 1,517 |
| Tier 1 risk-based capital ratio | 19.4401% | 1,627 |
| Total risk-based capital ratio | 19.9372% | 1,760 |
| Memoranda: | ||
| Average total assets | $48,771,000 | 6,774 |
| Average earning assets | $43,200,500 | 6,812 |
| Average equity | $6,583,500 | 6,324 |
| Average total loans | $34,319,500 | 6,402 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5614% | 3,805 |
| Cost of funding earning assets | 0.8185% | 7,532 |
| Net interest margin | 4.7430% | 778 |
| Noninterest income to average assets | 0.8427% | 2,216 |
| Noninterest expense to average assets | 3.5842% | 2,186 |
| Loan and lease loss provision to assets | 0.1568% | 6,104 |
| Net operating income to assets | 0.8950% | 2,192 |
| Return on assets (ROA) | 0.8950% | 2,263 |
| Pretax return on assets | 1.2944% | 1,708 |
| Return on Equity (ROE) | 6.5186% | 2,983 |
| Retained earnings to average equity (ytd only) | 0.1980% | 4,793 |
| Net charge-offs to loans | 0.2209% | 5,240 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 9.2533% | 1,828 |
| Efficiency ratio | 66.6944% | 5,248 |
| Assets per employee ($millions) | 2.7142% | 6,830 |
| Cash dividends to net income (ytd only)* | 96.9626% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4434% | 7,719 |
| Loan loss allowance to noncurrent loans | 361.9048% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 6,102 |
| Noncurrent loans to loans | 0.1225% | 7,116 |
| Net loans and leases to total assets | 69.8502% | 3,289 |
| Net loans and leases to deposits | 81.9529% | 3,624 |
| Net loans and leases to core deposits | 94.3620% | 4,643 |
| Total domestic deposits to total assets | 85.2321% | 3,442 |
| Equity capital to assets | 13.3638% | 1,373 |
| Core capital (leverage) ratio | 12.1156% | 1,616 |
| Tier 1 risk-based capital ratio | 18.9075% | 1,671 |
| Total risk-based capital ratio | 19.4023% | 1,806 |
| Memoranda: | ||
| Average total assets | $47,820,400 | 6,795 |
| Average earning assets | $42,273,200 | 6,852 |
| Average equity | $6,565,800 | 6,404 |
| Average total loans | $33,956,400 | 6,397 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5949% | 3,891 |
| Cost of funding earning assets | 0.8437% | 7,634 |
| Net interest margin | 4.7512% | 755 |
| Noninterest income to average assets | 0.8298% | 2,291 |
| Noninterest expense to average assets | 3.5434% | 2,159 |
| Loan and lease loss provision to assets | 0.0953% | 6,413 |
| Net operating income to assets | 0.9587% | 2,204 |
| Return on assets (ROA) | 0.9587% | 2,263 |
| Pretax return on assets | 1.3905% | 1,723 |
| Return on Equity (ROE) | 6.9352% | 3,103 |
| Retained earnings to average equity (ytd only) | 2.5754% | 3,877 |
| Net charge-offs to loans | 0.1338% | 5,360 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 15.5890% | 1,527 |
| Efficiency ratio | 65.9420% | 5,375 |
| Assets per employee ($millions) | 2.6452% | 6,951 |
| Cash dividends to net income (ytd only)* | 62.8654% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4427% | 7,778 |
| Loan loss allowance to noncurrent loans | 178.8235% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 6,004 |
| Noncurrent loans to loans | 0.2476% | 6,887 |
| Net loans and leases to total assets | 71.7871% | 3,087 |
| Net loans and leases to deposits | 85.5934% | 3,401 |
| Net loans and leases to core deposits | 98.4958% | 4,554 |
| Total domestic deposits to total assets | 83.8700% | 3,786 |
| Equity capital to assets | 13.9521% | 1,320 |
| Core capital (leverage) ratio | 12.4414% | 1,603 |
| Tier 1 risk-based capital ratio | 19.7025% | 1,615 |
| Total risk-based capital ratio | 20.2106% | 1,716 |
| Memoranda: | ||
| Average total assets | $47,561,500 | 6,851 |
| Average earning assets | $42,037,000 | 6,906 |
| Average equity | $6,575,000 | 6,456 |
| Average total loans | $33,876,000 | 6,455 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5854% | 4,143 |
| Cost of funding earning assets | 0.8618% | 7,741 |
| Net interest margin | 4.7235% | 772 |
| Noninterest income to average assets | 0.8245% | 2,294 |
| Noninterest expense to average assets | 3.6303% | 2,002 |
| Loan and lease loss provision to assets | 0.0673% | 6,531 |
| Net operating income to assets | 0.8918% | 2,486 |
| Return on assets (ROA) | 0.8918% | 2,599 |
| Pretax return on assets | 1.2998% | 2,029 |
| Return on Equity (ROE) | 6.4710% | 3,450 |
| Retained earnings to average equity (ytd only) | -0.0916% | 5,242 |
| Net charge-offs to loans | 0.0949% | 5,228 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 20.3125% | 1,319 |
| Efficiency ratio | 68.0976% | 5,143 |
| Assets per employee ($millions) | 2.5386% | 7,178 |
| Cash dividends to net income (ytd only)* | 101.4151% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4426% | 7,853 |
| Loan loss allowance to noncurrent loans | 161.7021% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 5,937 |
| Noncurrent loans to loans | 0.2737% | 6,839 |
| Net loans and leases to total assets | 70.8809% | 3,495 |
| Net loans and leases to deposits | 84.1634% | 3,850 |
| Net loans and leases to core deposits | 96.6008% | 4,834 |
| Total domestic deposits to total assets | 84.2183% | 3,635 |
| Equity capital to assets | 13.5032% | 1,495 |
| Core capital (leverage) ratio | 12.0090% | 1,825 |
| Tier 1 risk-based capital ratio | 19.2550% | 1,729 |
| Total risk-based capital ratio | 19.7651% | 1,826 |
| Memoranda: | ||
| Average total assets | $47,544,330 | 6,921 |
| Average earning assets | $42,002,670 | 6,969 |
| Average equity | $6,552,330 | 6,517 |
| Average total loans | $33,724,000 | 6,520 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5882% | 4,430 |
| Cost of funding earning assets | 0.9026% | 7,809 |
| Net interest margin | 4.6857% | 791 |
| Noninterest income to average assets | 0.8220% | 2,218 |
| Noninterest expense to average assets | 3.4915% | 2,123 |
| Loan and lease loss provision to assets | 0.0508% | 6,327 |
| Net operating income to assets | 0.9492% | 2,519 |
| Return on assets (ROA) | 0.9492% | 2,648 |
| Pretax return on assets | 1.4153% | 1,922 |
| Return on Equity (ROE) | 6.8168% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.8168% | 2,281 |
| Net charge-offs to loans | 0.0718% | 4,471 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 28.8333% | 1,090 |
| Efficiency ratio | 65.8120% | 5,360 |
| Assets per employee ($millions) | 2.3791% | 7,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4556% | 7,887 |
| Loan loss allowance to noncurrent loans | 950.0000% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 6,198 |
| Noncurrent loans to loans | 0.0480% | 7,403 |
| Net loans and leases to total assets | 69.8010% | 3,722 |
| Net loans and leases to deposits | 81.9624% | 4,290 |
| Net loans and leases to core deposits | 95.0489% | 5,055 |
| Total domestic deposits to total assets | 85.1621% | 3,129 |
| Equity capital to assets | 13.9299% | 1,383 |
| Core capital (leverage) ratio | 12.5968% | 1,650 |
| Tier 1 risk-based capital ratio | 20.2102% | 1,577 |
| Total risk-based capital ratio | 20.7375% | 1,666 |
| Memoranda: | ||
| Average total assets | $47,200,000 | 6,976 |
| Average earning assets | $41,659,000 | 7,031 |
| Average equity | $6,572,000 | 6,562 |
| Average total loans | $33,416,000 | 6,571 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8751% | 6,159 |
| Cost of funding earning assets | 1.2895% | 7,859 |
| Net interest margin | 4.5856% | 1,221 |
| Noninterest income to average assets | 0.9861% | 1,624 |
| Noninterest expense to average assets | 3.6249% | 2,088 |
| Loan and lease loss provision to assets | 0.1726% | 5,178 |
| Net operating income to assets | 0.8544% | 3,209 |
| Return on assets (ROA) | 0.8544% | 3,047 |
| Pretax return on assets | 1.2169% | 2,585 |
| Return on Equity (ROE) | 6.1615% | 3,881 |
| Retained earnings to average equity (ytd only) | 2.8162% | 3,427 |
| Net charge-offs to loans | 0.2477% | 3,795 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 8.0500% | 2,950 |
| Efficiency ratio | 67.6420% | 4,787 |
| Assets per employee ($millions) | 2.3410% | 7,503 |
| Cash dividends to net income (ytd only)* | 54.2929% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4542% | 7,909 |
| Loan loss allowance to noncurrent loans | 1,169.2308% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 5,910 |
| Noncurrent loans to loans | 0.0388% | 7,347 |
| Net loans and leases to total assets | 71.1591% | 3,760 |
| Net loans and leases to deposits | 83.5993% | 4,481 |
| Net loans and leases to core deposits | 96.4954% | 5,211 |
| Total domestic deposits to total assets | 85.1193% | 2,789 |
| Equity capital to assets | 13.9174% | 1,455 |
| Core capital (leverage) ratio | 12.3989% | 1,788 |
| Tier 1 risk-based capital ratio | 20.0940% | 1,604 |
| Total risk-based capital ratio | 20.6311% | 1,697 |
| Memoranda: | ||
| Average total assets | $46,346,200 | 6,924 |
| Average earning assets | $40,714,200 | 7,012 |
| Average equity | $6,427,000 | 6,667 |
| Average total loans | $32,303,000 | 6,594 |