Home > The First National Bank of Fairfax > Performance and Condition Ratios
The First National Bank of Fairfax, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 2,929 |
| Cost of funding earning assets | 0.2397% | 4,424 |
| Net interest margin | 4.3440% | 755 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.7549% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5054% | 1,006 |
| Return on assets (ROA) | 1.5054% | 977 |
| Pretax return on assets | 1.5054% | 1,405 |
| Return on Equity (ROE) | 4.3200% | 3,844 |
| Retained earnings to average equity (ytd only) | 3.7028% | 3,055 |
| Net charge-offs to loans | 0.1472% | 696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 24.8636% | 1,745 |
| Efficiency ratio | 64.6641% | 2,526 |
| Assets per employee ($millions) | 5.2466% | 3,437 |
| Cash dividends to net income (ytd only)* | 14.2596% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5779% | 177 |
| Loan loss allowance to noncurrent loans | 108.0556% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9802% | 510 |
| Noncurrent loans to loans | 2.3857% | 210 |
| Net loans and leases to total assets | 40.0300% | 4,039 |
| Net loans and leases to deposits | 61.6601% | 3,428 |
| Net loans and leases to core deposits | 61.6601% | 3,695 |
| Total domestic deposits to total assets | 64.9200% | 4,392 |
| Equity capital to assets | 35.0133% | 147 |
| Core capital (leverage) ratio | 35.1866% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $36,335,800 | 4,422 |
| Average earning assets | $33,794,000 | 4,390 |
| Average equity | $12,666,200 | 3,468 |
| Average total loans | $14,943,600 | 4,352 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 3,029 |
| Cost of funding earning assets | 0.2194% | 4,428 |
| Net interest margin | 4.2172% | 896 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.3989% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7109% | 781 |
| Return on assets (ROA) | 1.7109% | 770 |
| Pretax return on assets | 1.7109% | 1,142 |
| Return on Equity (ROE) | 4.9100% | 3,824 |
| Retained earnings to average equity (ytd only) | 4.9135% | 2,964 |
| Net charge-offs to loans | -0.0268% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.3706% | 3,159 |
| Assets per employee ($millions) | 5.0504% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7505% | 155 |
| Loan loss allowance to noncurrent loans | 77.2388% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 244 |
| Noncurrent loans to loans | 3.5610% | 101 |
| Net loans and leases to total assets | 41.4100% | 4,008 |
| Net loans and leases to deposits | 65.3745% | 3,184 |
| Net loans and leases to core deposits | 65.3745% | 3,461 |
| Total domestic deposits to total assets | 63.3400% | 4,437 |
| Equity capital to assets | 36.3618% | 148 |
| Core capital (leverage) ratio | 35.8038% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $36,238,250 | 4,440 |
| Average earning assets | $33,418,000 | 4,415 |
| Average equity | $12,618,000 | 3,460 |
| Average total loans | $14,907,000 | 4,374 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 2,929 |
| Cost of funding earning assets | 0.1813% | 4,448 |
| Net interest margin | 4.2010% | 930 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.3704% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6533% | 864 |
| Return on assets (ROA) | 1.6533% | 867 |
| Pretax return on assets | 1.6533% | 1,314 |
| Return on Equity (ROE) | 4.8200% | 3,899 |
| Retained earnings to average equity (ytd only) | 4.8170% | 2,986 |
| Net charge-offs to loans | -0.0269% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.9116% | 3,084 |
| Assets per employee ($millions) | 5.1316% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8065% | 154 |
| Loan loss allowance to noncurrent loans | 76.7658% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.4977% | 239 |
| Noncurrent loans to loans | 3.6559% | 106 |
| Net loans and leases to total assets | 39.8200% | 4,046 |
| Net loans and leases to deposits | 61.7627% | 3,318 |
| Net loans and leases to core deposits | 61.7627% | 3,544 |
| Total domestic deposits to total assets | 64.4700% | 4,450 |
| Equity capital to assets | 35.3331% | 145 |
| Core capital (leverage) ratio | 35.0327% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $36,533,333 | 4,459 |
| Average earning assets | $33,087,667 | 4,441 |
| Average equity | $12,539,000 | 3,484 |
| Average total loans | $14,858,667 | 4,395 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 2,119 |
| Cost of funding earning assets | 0.1616% | 4,435 |
| Net interest margin | 4.4246% | 655 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.4973% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5853% | 1,011 |
| Return on assets (ROA) | 1.5853% | 1,007 |
| Pretax return on assets | 1.5853% | 1,502 |
| Return on Equity (ROE) | 4.6900% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.6861% | 3,091 |
| Net charge-offs to loans | -0.0268% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.1702% | 2,797 |
| Assets per employee ($millions) | 5.2331% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8809% | 147 |
| Loan loss allowance to noncurrent loans | 675.4098% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 2,336 |
| Noncurrent loans to loans | 0.4265% | 1,655 |
| Net loans and leases to total assets | 37.9100% | 4,120 |
| Net loans and leases to deposits | 57.7241% | 3,466 |
| Net loans and leases to core deposits | 57.7241% | 3,643 |
| Total domestic deposits to total assets | 65.6800% | 4,488 |
| Equity capital to assets | 34.2187% | 109 |
| Core capital (leverage) ratio | 33.7207% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $36,839,500 | 4,524 |
| Average earning assets | $32,183,500 | 4,518 |
| Average equity | $12,462,500 | 3,529 |
| Average total loans | $14,930,000 | 4,458 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2825% | 3,633 |
| Cost of funding earning assets | 0.1362% | 4,199 |
| Net interest margin | 3.1463% | 3,035 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.7744% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7340% | 3,524 |
| Return on assets (ROA) | 0.7340% | 3,467 |
| Pretax return on assets | 0.7340% | 3,786 |
| Return on Equity (ROE) | 2.1800% | 4,372 |
| Retained earnings to average equity (ytd only) | 1.9782% | 3,980 |
| Net charge-offs to loans | 0.2877% | 271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 5.7021% | 2,365 |
| Efficiency ratio | 79.0788% | 783 |
| Assets per employee ($millions) | 5.2924% | 3,431 |
| Cash dividends to net income (ytd only)* | 9.3284% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6416% | 184 |
| Loan loss allowance to noncurrent loans | 1,110.8108% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 2,841 |
| Noncurrent loans to loans | 0.2378% | 2,325 |
| Net loans and leases to total assets | 40.8900% | 4,033 |
| Net loans and leases to deposits | 61.4498% | 3,240 |
| Net loans and leases to core deposits | 61.4498% | 3,425 |
| Total domestic deposits to total assets | 66.5400% | 4,524 |
| Equity capital to assets | 33.4440% | 112 |
| Core capital (leverage) ratio | 32.4813% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $36,512,400 | 4,560 |
| Average earning assets | $33,785,600 | 4,531 |
| Average equity | $12,284,000 | 3,646 |
| Average total loans | $16,336,000 | 4,465 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8321% | 4,154 |
| Cost of funding earning assets | 0.1334% | 4,004 |
| Net interest margin | 2.6987% | 3,929 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.3786% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9529% | 2,653 |
| Return on assets (ROA) | 0.9529% | 2,624 |
| Pretax return on assets | 0.9529% | 3,170 |
| Return on Equity (ROE) | 2.8300% | 4,320 |
| Retained earnings to average equity (ytd only) | 2.8281% | 3,822 |
| Net charge-offs to loans | 0.3791% | 165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 5.5319% | 2,142 |
| Efficiency ratio | 71.3971% | 1,602 |
| Assets per employee ($millions) | 5.4153% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7206% | 177 |
| Loan loss allowance to noncurrent loans | 1,053.8462% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 2,931 |
| Noncurrent loans to loans | 0.2582% | 2,344 |
| Net loans and leases to total assets | 38.7700% | 4,113 |
| Net loans and leases to deposits | 57.7832% | 3,357 |
| Net loans and leases to core deposits | 57.7832% | 3,519 |
| Total domestic deposits to total assets | 67.0900% | 4,573 |
| Equity capital to assets | 32.7354% | 107 |
| Core capital (leverage) ratio | 33.2958% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $36,378,750 | 4,598 |
| Average earning assets | $34,978,750 | 4,561 |
| Average equity | $12,257,500 | 3,688 |
| Average total loans | $16,530,250 | 4,496 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9033% | 3,769 |
| Cost of funding earning assets | 0.1336% | 3,796 |
| Net interest margin | 2.7698% | 3,527 |
| Noninterest income to average assets | 0.2955% | 3,394 |
| Noninterest expense to average assets | 2.4868% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4684% | 3,971 |
| Return on assets (ROA) | 0.4684% | 3,920 |
| Pretax return on assets | 0.4684% | 4,046 |
| Return on Equity (ROE) | 1.3763% | 4,419 |
| Retained earnings to average equity (ytd only) | 1.3763% | 3,906 |
| Net charge-offs to loans | 0.6116% | 107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1.6154% | 2,063 |
| Efficiency ratio | 84.1509% | 675 |
| Assets per employee ($millions) | 5.2347% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6470% | 207 |
| Loan loss allowance to noncurrent loans | 966.6667% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 2,903 |
| Noncurrent loans to loans | 0.2738% | 2,381 |
| Net loans and leases to total assets | 40.7499% | 4,042 |
| Net loans and leases to deposits | 61.3400% | 2,944 |
| Net loans and leases to core deposits | 61.3400% | 3,173 |
| Total domestic deposits to total assets | 66.4329% | 4,653 |
| Equity capital to assets | 33.3897% | 58 |
| Core capital (leverage) ratio | 34.0098% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,869,333 | 4,641 |
| Average earning assets | $34,443,000 | 4,620 |
| Average equity | $12,207,000 | 3,767 |
| Average total loans | $17,004,667 | 4,544 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2541% | 2,519 |
| Cost of funding earning assets | 0.1415% | 3,605 |
| Net interest margin | 3.1127% | 2,129 |
| Noninterest income to average assets | 0.4284% | 2,506 |
| Noninterest expense to average assets | 2.4237% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9808% | 1,964 |
| Return on assets (ROA) | 0.9808% | 1,961 |
| Pretax return on assets | 0.9808% | 2,498 |
| Return on Equity (ROE) | 2.8541% | 4,123 |
| Retained earnings to average equity (ytd only) | 2.8541% | 3,311 |
| Net charge-offs to loans | -0.0224% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1921% | 2,081 |
| Assets per employee ($millions) | 5.1316% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9074% | 169 |
| Loan loss allowance to noncurrent loans | 1,017.7778% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 2,929 |
| Noncurrent loans to loans | 0.2857% | 2,449 |
| Net loans and leases to total assets | 42.5795% | 3,843 |
| Net loans and leases to deposits | 64.6723% | 2,466 |
| Net loans and leases to core deposits | 64.6723% | 2,745 |
| Total domestic deposits to total assets | 65.8389% | 4,694 |
| Equity capital to assets | 34.0636% | 52 |
| Core capital (leverage) ratio | 33.4500% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,482,500 | 4,669 |
| Average earning assets | $33,926,000 | 4,654 |
| Average equity | $12,193,000 | 3,843 |
| Average total loans | $17,838,000 | 4,553 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5607% | 2,485 |
| Cost of funding earning assets | 0.1592% | 3,877 |
| Net interest margin | 3.4015% | 2,027 |
| Noninterest income to average assets | 0.4396% | 2,861 |
| Noninterest expense to average assets | 2.7031% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9077% | 3,007 |
| Return on assets (ROA) | 0.9077% | 3,073 |
| Pretax return on assets | 0.9077% | 3,492 |
| Return on Equity (ROE) | 2.6120% | 4,429 |
| Retained earnings to average equity (ytd only) | 0.7639% | 4,314 |
| Net charge-offs to loans | 0.2300% | 403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 7.2273% | 2,351 |
| Efficiency ratio | 74.8617% | 1,225 |
| Assets per employee ($millions) | 5.0063% | 3,721 |
| Cash dividends to net income (ytd only)* | 70.7547% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 384 |
| Loan loss allowance to noncurrent loans | 954.1667% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 1,353 |
| Noncurrent loans to loans | 0.2409% | 2,766 |
| Net loans and leases to total assets | 55.5445% | 2,671 |
| Net loans and leases to deposits | 88.9259% | 611 |
| Net loans and leases to core deposits | 88.9259% | 1,023 |
| Total domestic deposits to total assets | 62.4615% | 4,755 |
| Equity capital to assets | 34.6707% | 49 |
| Core capital (leverage) ratio | 33.6668% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,034,200 | 4,712 |
| Average earning assets | $32,662,400 | 4,695 |
| Average equity | $12,174,800 | 3,918 |
| Average total loans | $19,128,600 | 4,585 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4829% | 2,884 |
| Cost of funding earning assets | 0.1688% | 3,937 |
| Net interest margin | 3.3141% | 2,374 |
| Noninterest income to average assets | 0.4986% | 2,627 |
| Noninterest expense to average assets | 2.4625% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0999% | 2,557 |
| Return on assets (ROA) | 1.0999% | 2,613 |
| Pretax return on assets | 1.0999% | 3,193 |
| Return on Equity (ROE) | 3.1633% | 4,441 |
| Retained earnings to average equity (ytd only) | 3.1633% | 3,847 |
| Net charge-offs to loans | 0.1972% | 429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 10.3214% | 2,040 |
| Efficiency ratio | 69.1239% | 1,694 |
| Assets per employee ($millions) | 5.0874% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 279 |
| Loan loss allowance to noncurrent loans | 946.0000% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.9126% | 750 |
| Noncurrent loans to loans | 0.2666% | 2,855 |
| Net loans and leases to total assets | 51.3282% | 3,267 |
| Net loans and leases to deposits | 82.0790% | 1,114 |
| Net loans and leases to core deposits | 82.0790% | 1,566 |
| Total domestic deposits to total assets | 62.5351% | 4,823 |
| Equity capital to assets | 34.6681% | 52 |
| Core capital (leverage) ratio | 33.3965% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,031,750 | 4,781 |
| Average earning assets | $32,386,000 | 4,767 |
| Average equity | $12,181,000 | 3,964 |
| Average total loans | $18,930,000 | 4,652 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2408% | 3,587 |
| Cost of funding earning assets | 0.1738% | 4,004 |
| Net interest margin | 3.0670% | 3,123 |
| Noninterest income to average assets | 0.6430% | 2,027 |
| Noninterest expense to average assets | 2.5489% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9300% | 3,132 |
| Return on assets (ROA) | 0.9300% | 3,210 |
| Pretax return on assets | 0.9300% | 3,598 |
| Return on Equity (ROE) | 2.6719% | 4,531 |
| Retained earnings to average equity (ytd only) | 2.6719% | 3,950 |
| Net charge-offs to loans | 0.3054% | 282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 5.5862% | 1,989 |
| Efficiency ratio | 73.2673% | 1,308 |
| Assets per employee ($millions) | 5.2036% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6262% | 234 |
| Loan loss allowance to noncurrent loans | 907.6923% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 863 |
| Noncurrent loans to loans | 0.2893% | 2,891 |
| Net loans and leases to total assets | 48.0467% | 3,721 |
| Net loans and leases to deposits | 72.5099% | 2,163 |
| Net loans and leases to core deposits | 72.5099% | 2,562 |
| Total domestic deposits to total assets | 66.2622% | 4,815 |
| Equity capital to assets | 33.5456% | 51 |
| Core capital (leverage) ratio | 33.4740% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,838,333 | 4,814 |
| Average earning assets | $32,214,000 | 4,801 |
| Average equity | $12,126,000 | 3,972 |
| Average total loans | $18,989,333 | 4,684 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4478% | 3,070 |
| Cost of funding earning assets | 0.1679% | 4,184 |
| Net interest margin | 3.2799% | 2,444 |
| Noninterest income to average assets | 0.0940% | 4,714 |
| Noninterest expense to average assets | 2.5378% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5405% | 4,093 |
| Return on assets (ROA) | 0.5405% | 4,134 |
| Pretax return on assets | 0.5405% | 4,293 |
| Return on Equity (ROE) | 1.5232% | 4,658 |
| Retained earnings to average equity (ytd only) | 1.5232% | 4,116 |
| Net charge-offs to loans | 0.6360% | 126 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1.4839% | 1,845 |
| Efficiency ratio | 82.4427% | 678 |
| Assets per employee ($millions) | 5.0751% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4280% | 295 |
| Loan loss allowance to noncurrent loans | 888.6792% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 1,149 |
| Noncurrent loans to loans | 0.2732% | 3,124 |
| Net loans and leases to total assets | 53.2793% | 3,314 |
| Net loans and leases to deposits | 80.9304% | 1,431 |
| Net loans and leases to core deposits | 80.9304% | 1,919 |
| Total domestic deposits to total assets | 65.8335% | 4,840 |
| Equity capital to assets | 34.0652% | 49 |
| Core capital (leverage) ratio | 33.8064% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,045,000 | 4,840 |
| Average earning assets | $30,976,500 | 4,829 |
| Average equity | $12,079,500 | 3,989 |
| Average total loans | $19,497,500 | 4,704 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6670% | 3,660 |
| Cost of funding earning assets | 0.1925% | 4,602 |
| Net interest margin | 3.4745% | 2,550 |
| Noninterest income to average assets | 0.1846% | 4,366 |
| Noninterest expense to average assets | 2.5159% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7948% | 3,115 |
| Return on assets (ROA) | 0.7948% | 3,230 |
| Pretax return on assets | 0.9450% | 3,235 |
| Return on Equity (ROE) | 2.1246% | 4,543 |
| Retained earnings to average equity (ytd only) | 2.1246% | 3,771 |
| Net charge-offs to loans | -0.0055% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6944% | 1,605 |
| Assets per employee ($millions) | 5.4273% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5566% | 243 |
| Loan loss allowance to noncurrent loans | 894.6429% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.8629% | 1,164 |
| Noncurrent loans to loans | 0.2858% | 3,174 |
| Net loans and leases to total assets | 58.6384% | 3,019 |
| Net loans and leases to deposits | 93.2282% | 705 |
| Net loans and leases to core deposits | 93.2282% | 1,291 |
| Total domestic deposits to total assets | 62.8977% | 4,891 |
| Equity capital to assets | 37.0255% | 47 |
| Core capital (leverage) ratio | 35.7758% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,956,400 | 4,857 |
| Average earning assets | $30,134,000 | 4,837 |
| Average equity | $11,955,400 | 3,982 |
| Average total loans | $18,315,200 | 4,744 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 3,945 |
| Cost of funding earning assets | 0.1956% | 4,689 |
| Net interest margin | 3.4370% | 2,789 |
| Noninterest income to average assets | 0.1467% | 4,569 |
| Noninterest expense to average assets | 2.3686% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0187% | 2,266 |
| Return on assets (ROA) | 1.0187% | 2,395 |
| Pretax return on assets | 1.0187% | 3,000 |
| Return on Equity (ROE) | 2.7158% | 4,441 |
| Retained earnings to average equity (ytd only) | 2.7158% | 3,644 |
| Net charge-offs to loans | -0.0074% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9257% | 1,895 |
| Assets per employee ($millions) | 5.3713% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7147% | 186 |
| Loan loss allowance to noncurrent loans | 849.1525% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 1,313 |
| Noncurrent loans to loans | 0.3197% | 3,139 |
| Net loans and leases to total assets | 55.7093% | 3,649 |
| Net loans and leases to deposits | 89.3945% | 1,331 |
| Net loans and leases to core deposits | 89.3945% | 2,026 |
| Total domestic deposits to total assets | 62.3185% | 4,910 |
| Equity capital to assets | 37.3743% | 43 |
| Core capital (leverage) ratio | 36.1234% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,804,500 | 4,886 |
| Average earning assets | $29,987,000 | 4,867 |
| Average equity | $11,930,000 | 3,993 |
| Average total loans | $17,995,000 | 4,784 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7022% | 4,088 |
| Cost of funding earning assets | 0.2008% | 4,763 |
| Net interest margin | 3.5014% | 2,779 |
| Noninterest income to average assets | 0.1516% | 4,540 |
| Noninterest expense to average assets | 2.3434% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1117% | 1,931 |
| Return on assets (ROA) | 1.1117% | 2,049 |
| Pretax return on assets | 1.1117% | 2,679 |
| Return on Equity (ROE) | 2.9601% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.9601% | 3,409 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8245% | 2,258 |
| Assets per employee ($millions) | 6.7224% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7724% | 170 |
| Loan loss allowance to noncurrent loans | 795.2381% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.8568% | 1,453 |
| Noncurrent loans to loans | 0.3486% | 3,149 |
| Net loans and leases to total assets | 52.2730% | 4,010 |
| Net loans and leases to deposits | 81.4897% | 2,260 |
| Net loans and leases to core deposits | 81.4897% | 2,815 |
| Total domestic deposits to total assets | 64.1467% | 4,914 |
| Equity capital to assets | 35.6361% | 47 |
| Core capital (leverage) ratio | 36.2333% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,663,333 | 4,914 |
| Average earning assets | $29,874,000 | 4,898 |
| Average equity | $11,891,667 | 3,995 |
| Average total loans | $17,841,667 | 4,815 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 3,811 |
| Cost of funding earning assets | 0.2217% | 4,839 |
| Net interest margin | 3.7687% | 2,089 |
| Noninterest income to average assets | 0.1564% | 4,591 |
| Noninterest expense to average assets | 2.4895% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2122% | 1,475 |
| Return on assets (ROA) | 1.2122% | 1,589 |
| Pretax return on assets | 1.2122% | 2,148 |
| Return on Equity (ROE) | 3.1396% | 4,182 |
| Retained earnings to average equity (ytd only) | 3.1396% | 3,020 |
| Net charge-offs to loans | -0.0226% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2535% | 2,780 |
| Assets per employee ($millions) | 5.1297% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9396% | 156 |
| Loan loss allowance to noncurrent loans | 759.0909% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.9455% | 1,409 |
| Noncurrent loans to loans | 0.3873% | 3,100 |
| Net loans and leases to total assets | 53.7462% | 4,010 |
| Net loans and leases to deposits | 87.7886% | 1,769 |
| Net loans and leases to core deposits | 87.7886% | 2,541 |
| Total domestic deposits to total assets | 61.2223% | 5,017 |
| Equity capital to assets | 38.6477% | 50 |
| Core capital (leverage) ratio | 37.6782% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,689,000 | 4,964 |
| Average earning assets | $28,869,500 | 4,949 |
| Average equity | $11,848,500 | 4,017 |
| Average total loans | $17,727,000 | 4,852 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9950% | 4,269 |
| Cost of funding earning assets | 0.2036% | 4,959 |
| Net interest margin | 3.7914% | 2,526 |
| Noninterest income to average assets | 0.9485% | 1,073 |
| Noninterest expense to average assets | 2.7266% | 2,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7913% | 530 |
| Return on assets (ROA) | 1.7913% | 561 |
| Pretax return on assets | 1.7913% | 961 |
| Return on Equity (ROE) | 4.6317% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.7686% | 3,094 |
| Net charge-offs to loans | 0.1867% | 1,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 16.4242% | 2,170 |
| Efficiency ratio | 60.3511% | 3,639 |
| Assets per employee ($millions) | 4.3714% | 3,413 |
| Cash dividends to net income (ytd only)* | 18.6347% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7158% | 168 |
| Loan loss allowance to noncurrent loans | 746.2687% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 1,326 |
| Noncurrent loans to loans | 0.3639% | 3,147 |
| Net loans and leases to total assets | 58.5327% | 3,716 |
| Net loans and leases to deposits | 95.3372% | 1,016 |
| Net loans and leases to core deposits | 95.3372% | 1,956 |
| Total domestic deposits to total assets | 61.3954% | 5,076 |
| Equity capital to assets | 38.5686% | 50 |
| Core capital (leverage) ratio | 39.0149% | 54 |
| Tier 1 risk-based capital ratio | 37.0027% | 288 |
| Total risk-based capital ratio | 38.2536% | 287 |
| Memoranda: | ||
| Average total assets | $30,257,800 | 5,022 |
| Average earning assets | $28,485,400 | 5,001 |
| Average equity | $11,702,000 | 4,035 |
| Average total loans | $17,675,400 | 4,910 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 4,313 |
| Cost of funding earning assets | 0.2016% | 5,037 |
| Net interest margin | 3.8209% | 2,525 |
| Noninterest income to average assets | 1.1975% | 642 |
| Noninterest expense to average assets | 2.5144% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2846% | 228 |
| Return on assets (ROA) | 2.2846% | 243 |
| Pretax return on assets | 2.2846% | 385 |
| Return on Equity (ROE) | 5.9032% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.9032% | 2,418 |
| Net charge-offs to loans | 0.2592% | 679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 15.2067% | 2,202 |
| Efficiency ratio | 52.3941% | 4,566 |
| Assets per employee ($millions) | 4.1677% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9056% | 141 |
| Loan loss allowance to noncurrent loans | 723.1884% | 734 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 1,328 |
| Noncurrent loans to loans | 0.4018% | 3,104 |
| Net loans and leases to total assets | 57.1571% | 3,954 |
| Net loans and leases to deposits | 96.9702% | 910 |
| Net loans and leases to core deposits | 96.9702% | 1,906 |
| Total domestic deposits to total assets | 58.9429% | 5,171 |
| Equity capital to assets | 40.7109% | 49 |
| Core capital (leverage) ratio | 39.6006% | 54 |
| Tier 1 risk-based capital ratio | 38.0759% | 276 |
| Total risk-based capital ratio | 39.3293% | 275 |
| Memoranda: | ||
| Average total assets | $30,172,250 | 5,099 |
| Average earning assets | $28,439,500 | 5,080 |
| Average equity | $11,677,000 | 4,077 |
| Average total loans | $17,491,500 | 4,991 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 4,360 |
| Cost of funding earning assets | 0.1878% | 5,102 |
| Net interest margin | 3.8182% | 2,528 |
| Noninterest income to average assets | 1.6522% | 343 |
| Noninterest expense to average assets | 2.4848% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.7668% | 109 |
| Return on assets (ROA) | 2.7668% | 114 |
| Pretax return on assets | 2.7668% | 162 |
| Return on Equity (ROE) | 7.2694% | 3,576 |
| Retained earnings to average equity (ytd only) | 7.2694% | 1,697 |
| Net charge-offs to loans | 0.4660% | 344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.2927% | 2,276 |
| Efficiency ratio | 47.3159% | 4,930 |
| Assets per employee ($millions) | 4.2791% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8723% | 147 |
| Loan loss allowance to noncurrent loans | 683.3333% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.9915% | 1,402 |
| Noncurrent loans to loans | 0.4203% | 3,026 |
| Net loans and leases to total assets | 55.5418% | 4,102 |
| Net loans and leases to deposits | 91.9070% | 1,497 |
| Net loans and leases to core deposits | 91.9070% | 2,426 |
| Total domestic deposits to total assets | 60.4327% | 5,207 |
| Equity capital to assets | 39.3370% | 52 |
| Core capital (leverage) ratio | 38.8685% | 51 |
| Tier 1 risk-based capital ratio | 37.7648% | 278 |
| Total risk-based capital ratio | 39.0180% | 275 |
| Memoranda: | ||
| Average total assets | $30,505,000 | 5,140 |
| Average earning assets | $28,756,670 | 5,122 |
| Average equity | $11,610,330 | 4,100 |
| Average total loans | $17,597,330 | 5,034 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 4,345 |
| Cost of funding earning assets | 0.1798% | 5,161 |
| Net interest margin | 3.8310% | 2,417 |
| Noninterest income to average assets | 3.0669% | 139 |
| Noninterest expense to average assets | 2.4171% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 4.2494% | 52 |
| Return on assets (ROA) | 4.2494% | 55 |
| Pretax return on assets | 4.2494% | 67 |
| Return on Equity (ROE) | 11.3502% | 1,808 |
| Retained earnings to average equity (ytd only) | 11.3502% | 740 |
| Net charge-offs to loans | -0.0224% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2573% | 5,264 |
| Assets per employee ($millions) | 4.3270% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0188% | 131 |
| Loan loss allowance to noncurrent loans | 93.1937% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 2.6346% | 272 |
| Noncurrent loans to loans | 3.2393% | 307 |
| Net loans and leases to total assets | 56.6377% | 4,009 |
| Net loans and leases to deposits | 92.4100% | 1,353 |
| Net loans and leases to core deposits | 92.4100% | 2,265 |
| Total domestic deposits to total assets | 61.2896% | 5,270 |
| Equity capital to assets | 38.5883% | 50 |
| Core capital (leverage) ratio | 37.5241% | 51 |
| Tier 1 risk-based capital ratio | 37.0272% | 275 |
| Total risk-based capital ratio | 38.2817% | 270 |
| Memoranda: | ||
| Average total assets | $30,780,500 | 5,190 |
| Average earning assets | $28,922,000 | 5,172 |
| Average equity | $11,524,000 | 4,125 |
| Average total loans | $17,831,500 | 5,085 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 4,244 |
| Cost of funding earning assets | 0.1779% | 5,085 |
| Net interest margin | 3.7361% | 2,917 |
| Noninterest income to average assets | 0.2124% | 4,636 |
| Noninterest expense to average assets | 2.7084% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0030% | 2,997 |
| Return on assets (ROA) | 1.0030% | 2,982 |
| Pretax return on assets | 1.0030% | 3,588 |
| Return on Equity (ROE) | 2.7236% | 4,957 |
| Retained earnings to average equity (ytd only) | 2.1824% | 4,281 |
| Net charge-offs to loans | -0.1099% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9754% | 1,765 |
| Assets per employee ($millions) | 4.4674% | 3,214 |
| Cash dividends to net income (ytd only)* | 19.8697% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9654% | 138 |
| Loan loss allowance to noncurrent loans | 92.5347% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.8419% | 551 |
| Noncurrent loans to loans | 3.2046% | 298 |
| Net loans and leases to total assets | 55.7719% | 4,153 |
| Net loans and leases to deposits | 87.6212% | 2,097 |
| Net loans and leases to core deposits | 87.6212% | 2,778 |
| Total domestic deposits to total assets | 63.6512% | 5,286 |
| Equity capital to assets | 36.3264% | 55 |
| Core capital (leverage) ratio | 36.9828% | 54 |
| Tier 1 risk-based capital ratio | 34.8830% | 319 |
| Total risk-based capital ratio | 36.1389% | 316 |
| Memoranda: | ||
| Average total assets | $30,608,600 | 5,230 |
| Average earning assets | $28,666,000 | 5,211 |
| Average equity | $11,272,000 | 4,119 |
| Average total loans | $18,196,600 | 5,116 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 4,139 |
| Cost of funding earning assets | 0.1727% | 5,129 |
| Net interest margin | 3.7573% | 2,801 |
| Noninterest income to average assets | 0.2015% | 4,764 |
| Noninterest expense to average assets | 2.6366% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0905% | 2,706 |
| Return on assets (ROA) | 1.0905% | 2,720 |
| Pretax return on assets | 1.0905% | 3,436 |
| Return on Equity (ROE) | 2.9510% | 5,013 |
| Retained earnings to average equity (ytd only) | 2.9510% | 4,256 |
| Net charge-offs to loans | -0.1388% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7403% | 2,083 |
| Assets per employee ($millions) | 4.3084% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0365% | 134 |
| Loan loss allowance to noncurrent loans | 92.0415% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.9165% | 574 |
| Noncurrent loans to loans | 3.2991% | 306 |
| Net loans and leases to total assets | 56.3281% | 4,184 |
| Net loans and leases to deposits | 90.8401% | 1,789 |
| Net loans and leases to core deposits | 90.8401% | 2,580 |
| Total domestic deposits to total assets | 62.0080% | 5,372 |
| Equity capital to assets | 37.6803% | 51 |
| Core capital (leverage) ratio | 36.9009% | 53 |
| Tier 1 risk-based capital ratio | 36.0362% | 299 |
| Total risk-based capital ratio | 37.2919% | 298 |
| Memoranda: | ||
| Average total assets | $30,442,750 | 5,300 |
| Average earning assets | $28,566,250 | 5,279 |
| Average equity | $11,250,000 | 4,165 |
| Average total loans | $18,252,250 | 5,174 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 4,002 |
| Cost of funding earning assets | 0.1753% | 5,127 |
| Net interest margin | 3.7521% | 2,742 |
| Noninterest income to average assets | 0.2030% | 4,802 |
| Noninterest expense to average assets | 2.6590% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0479% | 2,818 |
| Return on assets (ROA) | 1.0479% | 2,813 |
| Pretax return on assets | 1.0479% | 3,521 |
| Return on Equity (ROE) | 2.8541% | 5,048 |
| Retained earnings to average equity (ytd only) | 2.8541% | 4,113 |
| Net charge-offs to loans | -0.1838% | 5,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7314% | 2,047 |
| Assets per employee ($millions) | 5.0235% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9508% | 150 |
| Loan loss allowance to noncurrent loans | 663.7500% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 3,701 |
| Noncurrent loans to loans | 0.4446% | 3,101 |
| Net loans and leases to total assets | 57.9410% | 3,993 |
| Net loans and leases to deposits | 92.8739% | 1,493 |
| Net loans and leases to core deposits | 92.8739% | 2,321 |
| Total domestic deposits to total assets | 62.3868% | 5,431 |
| Equity capital to assets | 37.4042% | 53 |
| Core capital (leverage) ratio | 37.3720% | 52 |
| Tier 1 risk-based capital ratio | 35.9491% | 310 |
| Total risk-based capital ratio | 37.2054% | 299 |
| Memoranda: | ||
| Average total assets | $30,537,330 | 5,364 |
| Average earning assets | $28,517,670 | 5,343 |
| Average equity | $11,212,000 | 4,203 |
| Average total loans | $18,496,330 | 5,228 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,663 |
| Cost of funding earning assets | 0.1690% | 5,168 |
| Net interest margin | 3.8162% | 2,352 |
| Noninterest income to average assets | 0.1562% | 5,079 |
| Noninterest expense to average assets | 1.9652% | 4,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7179% | 665 |
| Return on assets (ROA) | 1.7179% | 674 |
| Pretax return on assets | 1.7179% | 1,070 |
| Return on Equity (ROE) | 4.7223% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.7223% | 3,299 |
| Net charge-offs to loans | -0.3414% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3569% | 4,857 |
| Assets per employee ($millions) | 4.2966% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9435% | 164 |
| Loan loss allowance to noncurrent loans | 638.5542% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 3,764 |
| Noncurrent loans to loans | 0.4610% | 3,148 |
| Net loans and leases to total assets | 58.1061% | 3,928 |
| Net loans and leases to deposits | 92.8340% | 1,350 |
| Net loans and leases to core deposits | 92.8340% | 2,229 |
| Total domestic deposits to total assets | 62.5914% | 5,502 |
| Equity capital to assets | 37.3953% | 51 |
| Core capital (leverage) ratio | 36.5079% | 51 |
| Tier 1 risk-based capital ratio | 35.7229% | 313 |
| Total risk-based capital ratio | 36.9775% | 312 |
| Memoranda: | ||
| Average total assets | $30,735,500 | 5,422 |
| Average earning assets | $28,405,000 | 5,406 |
| Average equity | $11,181,000 | 4,250 |
| Average total loans | $18,747,000 | 5,281 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 2,300 |
| Cost of funding earning assets | 0.1696% | 5,155 |
| Net interest margin | 4.1374% | 1,331 |
| Noninterest income to average assets | 0.1864% | 5,026 |
| Noninterest expense to average assets | 2.8293% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1873% | 1,557 |
| Return on assets (ROA) | 1.1873% | 1,579 |
| Pretax return on assets | 1.1873% | 2,816 |
| Return on Equity (ROE) | 3.2603% | 4,759 |
| Retained earnings to average equity (ytd only) | 2.3262% | 3,927 |
| Net charge-offs to loans | -0.5440% | 5,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4397% | 2,481 |
| Assets per employee ($millions) | 4.4850% | 3,208 |
| Cash dividends to net income (ytd only)* | 28.6501% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6324% | 211 |
| Loan loss allowance to noncurrent loans | 596.5116% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 3,791 |
| Noncurrent loans to loans | 0.4413% | 3,201 |
| Net loans and leases to total assets | 60.4396% | 3,789 |
| Net loans and leases to deposits | 93.5882% | 1,318 |
| Net loans and leases to core deposits | 93.5882% | 2,235 |
| Total domestic deposits to total assets | 64.5803% | 5,543 |
| Equity capital to assets | 35.4037% | 55 |
| Core capital (leverage) ratio | 36.6916% | 49 |
| Tier 1 risk-based capital ratio | 34.0846% | 343 |
| Total risk-based capital ratio | 35.3389% | 336 |
| Memoranda: | ||
| Average total assets | $30,573,000 | 5,483 |
| Average earning assets | $28,302,800 | 5,464 |
| Average equity | $11,133,800 | 4,279 |
| Average total loans | $19,484,000 | 5,328 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 1,800 |
| Cost of funding earning assets | 0.1690% | 5,208 |
| Net interest margin | 4.2773% | 977 |
| Noninterest income to average assets | 0.1932% | 5,048 |
| Noninterest expense to average assets | 2.6343% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5586% | 787 |
| Return on assets (ROA) | 1.5586% | 807 |
| Pretax return on assets | 1.5586% | 1,552 |
| Return on Equity (ROE) | 4.2494% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.2494% | 3,373 |
| Net charge-offs to loans | -0.7186% | 5,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8272% | 3,748 |
| Assets per employee ($millions) | 4.3287% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6674% | 218 |
| Loan loss allowance to noncurrent loans | 556.5217% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 3,854 |
| Noncurrent loans to loans | 0.4793% | 3,248 |
| Net loans and leases to total assets | 61.6580% | 3,693 |
| Net loans and leases to deposits | 98.3885% | 879 |
| Net loans and leases to core deposits | 98.3885% | 1,855 |
| Total domestic deposits to total assets | 62.6679% | 5,629 |
| Equity capital to assets | 36.9988% | 49 |
| Core capital (leverage) ratio | 36.0842% | 50 |
| Tier 1 risk-based capital ratio | 35.4868% | 316 |
| Total risk-based capital ratio | 36.7403% | 310 |
| Memoranda: | ||
| Average total assets | $30,367,500 | 5,543 |
| Average earning assets | $28,397,250 | 5,523 |
| Average equity | $11,138,500 | 4,324 |
| Average total loans | $19,483,000 | 5,385 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 991 |
| Cost of funding earning assets | 0.1696% | 5,210 |
| Net interest margin | 4.5656% | 503 |
| Noninterest income to average assets | 0.1925% | 5,086 |
| Noninterest expense to average assets | 2.7884% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6930% | 573 |
| Return on assets (ROA) | 1.6930% | 581 |
| Pretax return on assets | 1.6930% | 1,073 |
| Return on Equity (ROE) | 4.7008% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.7008% | 2,913 |
| Net charge-offs to loans | -0.9398% | 5,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2222% | 3,950 |
| Assets per employee ($millions) | 4.3309% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5919% | 257 |
| Loan loss allowance to noncurrent loans | 530.8511% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 3,883 |
| Noncurrent loans to loans | 0.4883% | 3,286 |
| Net loans and leases to total assets | 61.8584% | 3,647 |
| Net loans and leases to deposits | 97.9729% | 893 |
| Net loans and leases to core deposits | 97.9729% | 1,813 |
| Total domestic deposits to total assets | 63.1383% | 5,674 |
| Equity capital to assets | 36.6506% | 47 |
| Core capital (leverage) ratio | 37.1270% | 47 |
| Tier 1 risk-based capital ratio | 35.0571% | 305 |
| Total risk-based capital ratio | 36.3160% | 299 |
| Memoranda: | ||
| Average total assets | $30,124,670 | 5,593 |
| Average earning assets | $28,298,670 | 5,571 |
| Average equity | $10,849,330 | 4,381 |
| Average total loans | $19,579,000 | 5,424 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9438% | 5,511 |
| Cost of funding earning assets | 0.1715% | 5,225 |
| Net interest margin | 2.7723% | 5,299 |
| Noninterest income to average assets | 0.1590% | 5,324 |
| Noninterest expense to average assets | 2.3591% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3711% | 5,021 |
| Return on assets (ROA) | 0.3711% | 5,043 |
| Pretax return on assets | 0.3711% | 5,211 |
| Return on Equity (ROE) | 1.0303% | 5,490 |
| Retained earnings to average equity (ytd only) | 1.0303% | 4,650 |
| Net charge-offs to loans | -1.1751% | 5,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4078% | 773 |
| Assets per employee ($millions) | 4.2879% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4100% | 351 |
| Loan loss allowance to noncurrent loans | 479.3814% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 3,901 |
| Noncurrent loans to loans | 0.5027% | 3,300 |
| Net loans and leases to total assets | 62.7353% | 3,438 |
| Net loans and leases to deposits | 98.4472% | 732 |
| Net loans and leases to core deposits | 98.4472% | 1,625 |
| Total domestic deposits to total assets | 63.7248% | 5,745 |
| Equity capital to assets | 36.2652% | 52 |
| Core capital (leverage) ratio | 36.1580% | 52 |
| Tier 1 risk-based capital ratio | 34.5128% | 337 |
| Total risk-based capital ratio | 35.7652% | 332 |
| Memoranda: | ||
| Average total assets | $30,181,500 | 5,658 |
| Average earning assets | $27,991,500 | 5,638 |
| Average equity | $10,871,000 | 4,408 |
| Average total loans | $19,742,500 | 5,474 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5844% | 4,552 |
| Cost of funding earning assets | 0.1778% | 5,234 |
| Net interest margin | 3.4067% | 3,806 |
| Noninterest income to average assets | 0.2225% | 5,079 |
| Noninterest expense to average assets | 2.6496% | 3,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7873% | 3,364 |
| Return on assets (ROA) | 0.7873% | 3,470 |
| Pretax return on assets | 0.7873% | 4,218 |
| Return on Equity (ROE) | 2.1148% | 5,380 |
| Retained earnings to average equity (ytd only) | 1.0114% | 4,921 |
| Net charge-offs to loans | -0.5655% | 5,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0916% | 1,828 |
| Assets per employee ($millions) | 4.3354% | 3,387 |
| Cash dividends to net income (ytd only)* | 52.1739% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0158% | 637 |
| Loan loss allowance to noncurrent loans | 399.0196% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 3,936 |
| Noncurrent loans to loans | 0.5052% | 3,331 |
| Net loans and leases to total assets | 65.1872% | 3,196 |
| Net loans and leases to deposits | 101.5138% | 567 |
| Net loans and leases to core deposits | 101.5138% | 1,487 |
| Total domestic deposits to total assets | 64.2151% | 5,787 |
| Equity capital to assets | 35.7750% | 55 |
| Core capital (leverage) ratio | 36.7287% | 50 |
| Tier 1 risk-based capital ratio | 34.5061% | 335 |
| Total risk-based capital ratio | 35.7583% | 330 |
| Memoranda: | ||
| Average total assets | $29,212,000 | 5,722 |
| Average earning assets | $27,563,600 | 5,699 |
| Average equity | $10,875,800 | 4,442 |
| Average total loans | $19,630,200 | 5,528 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8148% | 3,881 |
| Cost of funding earning assets | 0.1756% | 5,300 |
| Net interest margin | 3.6392% | 2,929 |
| Noninterest income to average assets | 0.2397% | 5,041 |
| Noninterest expense to average assets | 2.4843% | 4,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1937% | 1,657 |
| Return on assets (ROA) | 1.1937% | 1,757 |
| Pretax return on assets | 1.1937% | 2,862 |
| Return on Equity (ROE) | 3.1738% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.1738% | 4,013 |
| Net charge-offs to loans | -1.5392% | 5,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5439% | 3,311 |
| Assets per employee ($millions) | 4.0684% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6788% | 273 |
| Loan loss allowance to noncurrent loans | 188.7681% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 2,134 |
| Noncurrent loans to loans | 1.4191% | 1,541 |
| Net loans and leases to total assets | 66.4630% | 3,045 |
| Net loans and leases to deposits | 108.9131% | 284 |
| Net loans and leases to core deposits | 108.9131% | 991 |
| Total domestic deposits to total assets | 61.0239% | 5,880 |
| Equity capital to assets | 38.6460% | 48 |
| Core capital (leverage) ratio | 37.3959% | 48 |
| Tier 1 risk-based capital ratio | 36.8920% | 295 |
| Total risk-based capital ratio | 38.1490% | 290 |
| Memoranda: | ||
| Average total assets | $28,928,000 | 5,785 |
| Average earning assets | $27,331,250 | 5,763 |
| Average equity | $10,880,500 | 4,484 |
| Average total loans | $19,490,250 | 5,587 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 3,717 |
| Cost of funding earning assets | 0.1754% | 5,365 |
| Net interest margin | 3.6917% | 2,727 |
| Noninterest income to average assets | 0.2339% | 5,082 |
| Noninterest expense to average assets | 2.4555% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2518% | 1,413 |
| Return on assets (ROA) | 1.2518% | 1,530 |
| Pretax return on assets | 1.2518% | 2,596 |
| Return on Equity (ROE) | 3.3583% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.3583% | 3,757 |
| Net charge-offs to loans | -0.0513% | 5,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2338% | 3,647 |
| Assets per employee ($millions) | 4.1970% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,515 |
| Loan loss allowance to noncurrent loans | 104.5139% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.9803% | 2,187 |
| Noncurrent loans to loans | 1.5352% | 1,407 |
| Net loans and leases to total assets | 62.8306% | 3,524 |
| Net loans and leases to deposits | 100.3861% | 664 |
| Net loans and leases to core deposits | 100.3861% | 1,604 |
| Total domestic deposits to total assets | 62.5889% | 5,947 |
| Equity capital to assets | 37.1966% | 51 |
| Core capital (leverage) ratio | 38.0078% | 50 |
| Tier 1 risk-based capital ratio | 35.6228% | 322 |
| Total risk-based capital ratio | 36.6040% | 321 |
| Memoranda: | ||
| Average total assets | $29,077,670 | 5,862 |
| Average earning assets | $27,359,000 | 5,830 |
| Average equity | $10,838,670 | 4,520 |
| Average total loans | $19,504,000 | 5,650 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0075% | 3,204 |
| Cost of funding earning assets | 0.1768% | 5,403 |
| Net interest margin | 3.8307% | 2,179 |
| Noninterest income to average assets | 0.2074% | 5,249 |
| Noninterest expense to average assets | 2.4890% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2998% | 1,252 |
| Return on assets (ROA) | 1.2998% | 1,340 |
| Pretax return on assets | 1.3137% | 2,246 |
| Return on Equity (ROE) | 3.4834% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.4834% | 3,756 |
| Net charge-offs to loans | -0.0402% | 5,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4545% | 3,887 |
| Assets per employee ($millions) | 4.0551% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,855 |
| Loan loss allowance to noncurrent loans | 102.0548% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.0287% | 2,154 |
| Noncurrent loans to loans | 1.5025% | 1,557 |
| Net loans and leases to total assets | 67.4135% | 2,750 |
| Net loans and leases to deposits | 109.2736% | 242 |
| Net loans and leases to core deposits | 109.2736% | 891 |
| Total domestic deposits to total assets | 61.6924% | 6,026 |
| Equity capital to assets | 38.1914% | 47 |
| Core capital (leverage) ratio | 37.6424% | 48 |
| Tier 1 risk-based capital ratio | 36.4575% | 300 |
| Total risk-based capital ratio | 37.4596% | 301 |
| Memoranda: | ||
| Average total assets | $28,927,000 | 5,924 |
| Average earning assets | $27,149,000 | 5,893 |
| Average equity | $10,794,000 | 4,541 |
| Average total loans | $19,876,000 | 5,686 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7567% | 4,174 |
| Cost of funding earning assets | 0.1838% | 5,414 |
| Net interest margin | 3.5729% | 3,235 |
| Noninterest income to average assets | 0.2656% | 4,968 |
| Noninterest expense to average assets | 2.7871% | 3,292 |
| Loan and lease loss provision to assets | 1.9478% | 32 |
| Net operating income to assets | -1.1651% | 6,110 |
| Return on assets (ROA) | -1.1651% | 6,112 |
| Pretax return on assets | -1.1651% | 6,110 |
| Return on Equity (ROE) | -2.9733% | 6,010 |
| Retained earnings to average equity (ytd only) | -2.9733% | 5,820 |
| Net charge-offs to loans | 2.9143% | 35 |
| Credit loss provision to net charge-offs | 90.6096% | 2,751 |
| Earnings coverage of net charge-offs (x) | 0.3641% | 4,234 |
| Efficiency ratio | 78.0754% | 1,954 |
| Assets per employee ($millions) | 4.2097% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 2,190 |
| Loan loss allowance to noncurrent loans | 61.6667% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 1,205 |
| Noncurrent loans to loans | 2.3624% | 806 |
| Net loans and leases to total assets | 67.9449% | 2,707 |
| Net loans and leases to deposits | 106.9666% | 330 |
| Net loans and leases to core deposits | 106.9666% | 1,048 |
| Total domestic deposits to total assets | 63.5198% | 6,053 |
| Equity capital to assets | 36.4701% | 50 |
| Core capital (leverage) ratio | 38.7168% | 48 |
| Tier 1 risk-based capital ratio | 35.0831% | 333 |
| Total risk-based capital ratio | 36.0494% | 338 |
| Memoranda: | ||
| Average total assets | $28,237,000 | 5,988 |
| Average earning assets | $26,113,000 | 5,966 |
| Average equity | $11,065,200 | 4,467 |
| Average total loans | $20,828,400 | 5,689 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,407 |
| Cost of funding earning assets | 0.1856% | 5,496 |
| Net interest margin | 3.7953% | 2,405 |
| Noninterest income to average assets | 0.2673% | 5,022 |
| Noninterest expense to average assets | 2.5158% | 4,143 |
| Loan and lease loss provision to assets | 0.4774% | 221 |
| Net operating income to assets | 0.7829% | 3,510 |
| Return on assets (ROA) | 0.7829% | 3,597 |
| Pretax return on assets | 0.7877% | 4,372 |
| Return on Equity (ROE) | 1.9620% | 5,671 |
| Retained earnings to average equity (ytd only) | 1.9620% | 4,896 |
| Net charge-offs to loans | 0.7380% | 283 |
| Credit loss provision to net charge-offs | 86.2069% | 2,519 |
| Earnings coverage of net charge-offs (x) | 2.2845% | 3,691 |
| Efficiency ratio | 66.5404% | 3,796 |
| Assets per employee ($millions) | 3.9516% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 1,454 |
| Loan loss allowance to noncurrent loans | 33.6989% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 3.7851% | 321 |
| Noncurrent loans to loans | 5.0631% | 205 |
| Net loans and leases to total assets | 70.3951% | 2,334 |
| Net loans and leases to deposits | 119.2626% | 111 |
| Net loans and leases to core deposits | 119.2626% | 495 |
| Total domestic deposits to total assets | 59.0253% | 6,185 |
| Equity capital to assets | 40.6348% | 48 |
| Core capital (leverage) ratio | 39.9972% | 48 |
| Tier 1 risk-based capital ratio | 38.8189% | 265 |
| Total risk-based capital ratio | 39.9862% | 265 |
| Memoranda: | ||
| Average total assets | $27,929,250 | 6,073 |
| Average earning assets | $25,855,750 | 6,053 |
| Average equity | $11,144,750 | 4,504 |
| Average total loans | $20,956,000 | 5,750 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 3,122 |
| Cost of funding earning assets | 0.1865% | 5,561 |
| Net interest margin | 3.8546% | 2,122 |
| Noninterest income to average assets | 0.2427% | 5,224 |
| Noninterest expense to average assets | 2.4341% | 4,455 |
| Loan and lease loss provision to assets | 0.7138% | 122 |
| Net operating income to assets | 0.6353% | 4,195 |
| Return on assets (ROA) | 0.6353% | 4,305 |
| Pretax return on assets | 0.6353% | 4,878 |
| Return on Equity (ROE) | 1.6017% | 5,779 |
| Retained earnings to average equity (ytd only) | 1.6017% | 4,898 |
| Net charge-offs to loans | 1.1622% | 162 |
| Credit loss provision to net charge-offs | 80.6452% | 2,323 |
| Earnings coverage of net charge-offs (x) | 1.5242% | 3,498 |
| Efficiency ratio | 64.3396% | 4,299 |
| Assets per employee ($millions) | 3.9776% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 1,943 |
| Loan loss allowance to noncurrent loans | 21.7162% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 5.5993% | 175 |
| Noncurrent loans to loans | 7.3160% | 110 |
| Net loans and leases to total assets | 73.1925% | 1,788 |
| Net loans and leases to deposits | 122.6616% | 76 |
| Net loans and leases to core deposits | 122.6616% | 399 |
| Total domestic deposits to total assets | 59.6703% | 6,252 |
| Equity capital to assets | 40.0998% | 49 |
| Core capital (leverage) ratio | 39.8722% | 48 |
| Tier 1 risk-based capital ratio | 39.6105% | 271 |
| Total risk-based capital ratio | 40.7777% | 269 |
| Memoranda: | ||
| Average total assets | $28,018,670 | 6,143 |
| Average earning assets | $25,735,330 | 6,118 |
| Average equity | $11,113,000 | 4,544 |
| Average total loans | $21,338,000 | 5,798 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0996% | 2,833 |
| Cost of funding earning assets | 0.1728% | 5,749 |
| Net interest margin | 3.9268% | 1,798 |
| Noninterest income to average assets | 0.1850% | 5,606 |
| Noninterest expense to average assets | 1.9640% | 5,639 |
| Loan and lease loss provision to assets | 1.4232% | 42 |
| Net operating income to assets | 0.3416% | 5,275 |
| Return on assets (ROA) | 0.3416% | 5,389 |
| Pretax return on assets | 0.3558% | 5,528 |
| Return on Equity (ROE) | 0.8659% | 5,938 |
| Retained earnings to average equity (ytd only) | 0.8659% | 5,116 |
| Net charge-offs to loans | 2.4385% | 65 |
| Credit loss provision to net charge-offs | 75.7576% | 1,870 |
| Earnings coverage of net charge-offs (x) | 0.9470% | 2,989 |
| Efficiency ratio | 52.4715% | 5,784 |
| Assets per employee ($millions) | 3.9924% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 2,241 |
| Loan loss allowance to noncurrent loans | 18.9829% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 6.1652% | 164 |
| Noncurrent loans to loans | 8.1588% | 96 |
| Net loans and leases to total assets | 73.0132% | 1,653 |
| Net loans and leases to deposits | 121.1483% | 78 |
| Net loans and leases to core deposits | 121.1483% | 383 |
| Total domestic deposits to total assets | 60.2676% | 6,319 |
| Equity capital to assets | 39.7145% | 49 |
| Core capital (leverage) ratio | 38.1908% | 49 |
| Tier 1 risk-based capital ratio | 39.2635% | 271 |
| Total risk-based capital ratio | 40.3990% | 270 |
| Memoranda: | ||
| Average total assets | $28,106,500 | 6,206 |
| Average earning assets | $25,466,000 | 6,188 |
| Average equity | $11,087,000 | 4,581 |
| Average total loans | $21,653,000 | 5,833 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 3,678 |
| Cost of funding earning assets | 0.1893% | 5,839 |
| Net interest margin | 3.8245% | 2,534 |
| Noninterest income to average assets | 0.2401% | 5,409 |
| Noninterest expense to average assets | 2.6897% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0647% | 2,112 |
| Return on assets (ROA) | 1.0647% | 2,168 |
| Pretax return on assets | 1.0647% | 3,233 |
| Return on Equity (ROE) | 2.7856% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.0755% | 4,742 |
| Net charge-offs to loans | -0.0373% | 5,844 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6404% | 3,269 |
| Assets per employee ($millions) | 4.0380% | 3,863 |
| Cash dividends to net income (ytd only)* | 25.4902% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 2,219 |
| Loan loss allowance to noncurrent loans | 45.3145% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 2.8727% | 737 |
| Noncurrent loans to loans | 3.4500% | 602 |
| Net loans and leases to total assets | 78.6351% | 930 |
| Net loans and leases to deposits | 129.9217% | 44 |
| Net loans and leases to core deposits | 129.9217% | 246 |
| Total domestic deposits to total assets | 60.5250% | 6,400 |
| Equity capital to assets | 39.1813% | 51 |
| Core capital (leverage) ratio | 38.6265% | 51 |
| Tier 1 risk-based capital ratio | 38.6778% | 254 |
| Total risk-based capital ratio | 39.9106% | 255 |
| Memoranda: | ||
| Average total assets | $28,739,400 | 6,273 |
| Average earning assets | $26,409,000 | 6,254 |
| Average equity | $10,985,200 | 4,563 |
| Average total loans | $21,456,000 | 5,904 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 4,391 |
| Cost of funding earning assets | 0.1779% | 6,006 |
| Net interest margin | 3.6669% | 3,164 |
| Noninterest income to average assets | 0.2079% | 5,688 |
| Noninterest expense to average assets | 2.4580% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1782% | 1,757 |
| Return on assets (ROA) | 1.1782% | 1,826 |
| Pretax return on assets | 1.1782% | 2,868 |
| Return on Equity (ROE) | 3.1013% | 5,505 |
| Retained earnings to average equity (ytd only) | 3.1013% | 4,415 |
| Net charge-offs to loans | -0.0504% | 5,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5985% | 3,924 |
| Assets per employee ($millions) | 4.0884% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 2,157 |
| Loan loss allowance to noncurrent loans | 38.9195% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 3.1692% | 715 |
| Noncurrent loans to loans | 4.2227% | 480 |
| Net loans and leases to total assets | 73.8181% | 1,552 |
| Net loans and leases to deposits | 121.2674% | 83 |
| Net loans and leases to core deposits | 121.2674% | 368 |
| Total domestic deposits to total assets | 60.8721% | 6,478 |
| Equity capital to assets | 38.7924% | 50 |
| Core capital (leverage) ratio | 38.1473% | 50 |
| Tier 1 risk-based capital ratio | 38.2999% | 269 |
| Total risk-based capital ratio | 39.5177% | 267 |
| Memoranda: | ||
| Average total assets | $28,857,750 | 6,343 |
| Average earning assets | $26,979,500 | 6,318 |
| Average equity | $10,962,750 | 4,604 |
| Average total loans | $21,175,000 | 5,974 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 4,670 |
| Cost of funding earning assets | 0.1834% | 6,047 |
| Net interest margin | 3.5727% | 3,473 |
| Noninterest income to average assets | 0.1728% | 5,915 |
| Noninterest expense to average assets | 2.5987% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9400% | 2,595 |
| Return on assets (ROA) | 0.9400% | 2,704 |
| Pretax return on assets | 0.9400% | 3,724 |
| Return on Equity (ROE) | 2.4917% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.4917% | 4,618 |
| Net charge-offs to loans | -0.0854% | 6,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4375% | 3,076 |
| Assets per employee ($millions) | 4.2050% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 2,112 |
| Loan loss allowance to noncurrent loans | 27.8083% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 4.3248% | 461 |
| Noncurrent loans to loans | 6.1358% | 247 |
| Net loans and leases to total assets | 69.2815% | 2,191 |
| Net loans and leases to deposits | 110.9159% | 186 |
| Net loans and leases to core deposits | 110.9159% | 654 |
| Total domestic deposits to total assets | 62.4631% | 6,535 |
| Equity capital to assets | 37.3195% | 50 |
| Core capital (leverage) ratio | 37.9972% | 48 |
| Tier 1 risk-based capital ratio | 36.8352% | 305 |
| Total risk-based capital ratio | 38.0223% | 299 |
| Memoranda: | ||
| Average total assets | $28,937,330 | 6,404 |
| Average earning assets | $27,262,330 | 6,367 |
| Average equity | $10,916,330 | 4,627 |
| Average total loans | $21,073,670 | 6,029 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 4,615 |
| Cost of funding earning assets | 0.1793% | 6,171 |
| Net interest margin | 3.5862% | 3,309 |
| Noninterest income to average assets | 0.2231% | 5,571 |
| Noninterest expense to average assets | 2.6073% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9621% | 2,348 |
| Return on assets (ROA) | 0.9621% | 2,418 |
| Pretax return on assets | 0.9621% | 3,472 |
| Return on Equity (ROE) | 2.5363% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.5363% | 4,543 |
| Net charge-offs to loans | -0.0942% | 6,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0469% | 3,308 |
| Assets per employee ($millions) | 4.1081% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 2,339 |
| Loan loss allowance to noncurrent loans | 20.9581% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 6.0855% | 274 |
| Noncurrent loans to loans | 8.1352% | 156 |
| Net loans and leases to total assets | 70.1673% | 1,860 |
| Net loans and leases to deposits | 113.3341% | 109 |
| Net loans and leases to core deposits | 113.3341% | 482 |
| Total domestic deposits to total assets | 61.9119% | 6,624 |
| Equity capital to assets | 37.9629% | 52 |
| Core capital (leverage) ratio | 37.4421% | 53 |
| Tier 1 risk-based capital ratio | 37.4640% | 282 |
| Total risk-based capital ratio | 38.6651% | 279 |
| Memoranda: | ||
| Average total assets | $28,688,500 | 6,476 |
| Average earning assets | $26,769,500 | 6,449 |
| Average equity | $10,882,000 | 4,649 |
| Average total loans | $21,237,000 | 6,086 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6239% | 5,347 |
| Cost of funding earning assets | 0.1894% | 6,343 |
| Net interest margin | 3.4345% | 4,149 |
| Noninterest income to average assets | 0.3148% | 5,094 |
| Noninterest expense to average assets | 2.6774% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8994% | 2,786 |
| Return on assets (ROA) | 0.8994% | 2,875 |
| Pretax return on assets | 0.8994% | 3,769 |
| Return on Equity (ROE) | 2.4200% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.3456% | 4,577 |
| Net charge-offs to loans | 0.2420% | 2,525 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 3,357 |
| Efficiency ratio | 74.8549% | 2,973 |
| Assets per employee ($millions) | 4.0886% | 3,682 |
| Cash dividends to net income (ytd only)* | 3.0769% | 4,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 2,875 |
| Loan loss allowance to noncurrent loans | 19.2415% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 6.5444% | 276 |
| Noncurrent loans to loans | 8.1701% | 185 |
| Net loans and leases to total assets | 75.4752% | 1,154 |
| Net loans and leases to deposits | 121.6410% | 62 |
| Net loans and leases to core deposits | 121.6410% | 305 |
| Total domestic deposits to total assets | 62.0475% | 6,697 |
| Equity capital to assets | 37.9001% | 48 |
| Core capital (leverage) ratio | 37.7287% | 47 |
| Tier 1 risk-based capital ratio | 37.4060% | 270 |
| Total risk-based capital ratio | 38.5958% | 270 |
| Memoranda: | ||
| Average total assets | $28,908,800 | 6,546 |
| Average earning assets | $27,456,600 | 6,498 |
| Average equity | $10,743,600 | 4,691 |
| Average total loans | $20,661,600 | 6,165 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5258% | 5,624 |
| Cost of funding earning assets | 0.1919% | 6,436 |
| Net interest margin | 3.3339% | 4,519 |
| Noninterest income to average assets | 0.3174% | 5,156 |
| Noninterest expense to average assets | 2.3417% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1731% | 1,728 |
| Return on assets (ROA) | 1.1731% | 1,798 |
| Pretax return on assets | 1.1731% | 2,803 |
| Return on Equity (ROE) | 3.1722% | 5,539 |
| Retained earnings to average equity (ytd only) | 3.1722% | 4,414 |
| Net charge-offs to loans | 0.3540% | 1,780 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.7221% | 3,369 |
| Efficiency ratio | 66.6230% | 4,369 |
| Assets per employee ($millions) | 3.9949% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 3,119 |
| Loan loss allowance to noncurrent loans | 18.5932% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 6.8624% | 306 |
| Noncurrent loans to loans | 8.4758% | 204 |
| Net loans and leases to total assets | 76.1586% | 983 |
| Net loans and leases to deposits | 125.1513% | 48 |
| Net loans and leases to core deposits | 125.1513% | 248 |
| Total domestic deposits to total assets | 60.8532% | 6,783 |
| Equity capital to assets | 38.7999% | 46 |
| Core capital (leverage) ratio | 36.8759% | 46 |
| Tier 1 risk-based capital ratio | 38.2878% | 266 |
| Total risk-based capital ratio | 39.4911% | 261 |
| Memoranda: | ||
| Average total assets | $28,981,000 | 6,618 |
| Average earning assets | $27,794,250 | 6,570 |
| Average equity | $10,717,750 | 4,753 |
| Average total loans | $20,340,500 | 6,246 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3513% | 6,002 |
| Cost of funding earning assets | 0.1775% | 6,582 |
| Net interest margin | 3.1738% | 5,034 |
| Noninterest income to average assets | 0.3342% | 5,019 |
| Noninterest expense to average assets | 2.2306% | 5,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1528% | 1,727 |
| Return on assets (ROA) | 1.1528% | 1,846 |
| Pretax return on assets | 1.1528% | 2,871 |
| Return on Equity (ROE) | 3.1667% | 5,560 |
| Retained earnings to average equity (ytd only) | 3.1667% | 4,300 |
| Net charge-offs to loans | 0.6229% | 1,062 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.7258% | 3,607 |
| Efficiency ratio | 65.9274% | 4,559 |
| Assets per employee ($millions) | 4.2019% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 2,795 |
| Loan loss allowance to noncurrent loans | 21.5953% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 5.5316% | 527 |
| Noncurrent loans to loans | 7.8477% | 265 |
| Net loans and leases to total assets | 65.6716% | 2,647 |
| Net loans and leases to deposits | 103.9389% | 264 |
| Net loans and leases to core deposits | 103.9389% | 845 |
| Total domestic deposits to total assets | 63.1829% | 6,813 |
| Equity capital to assets | 36.5961% | 48 |
| Core capital (leverage) ratio | 36.7849% | 44 |
| Tier 1 risk-based capital ratio | 36.1475% | 299 |
| Total risk-based capital ratio | 37.2658% | 298 |
| Memoranda: | ||
| Average total assets | $29,320,000 | 6,661 |
| Average earning assets | $28,168,330 | 6,606 |
| Average equity | $10,673,670 | 4,796 |
| Average total loans | $19,908,000 | 6,308 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1958% | 6,297 |
| Cost of funding earning assets | 0.1855% | 6,643 |
| Net interest margin | 3.0103% | 5,537 |
| Noninterest income to average assets | 0.2869% | 5,408 |
| Noninterest expense to average assets | 2.2683% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9018% | 2,647 |
| Return on assets (ROA) | 0.9018% | 2,794 |
| Pretax return on assets | 0.9018% | 3,756 |
| Return on Equity (ROE) | 2.4839% | 5,783 |
| Retained earnings to average equity (ytd only) | 2.4839% | 4,783 |
| Net charge-offs to loans | -0.0200% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5517% | 3,694 |
| Assets per employee ($millions) | 4.2571% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0863% | 1,828 |
| Loan loss allowance to noncurrent loans | 15.6213% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 8.5067% | 281 |
| Noncurrent loans to loans | 13.3555% | 106 |
| Net loans and leases to total assets | 62.3658% | 2,989 |
| Net loans and leases to deposits | 97.3597% | 474 |
| Net loans and leases to core deposits | 97.3597% | 1,122 |
| Total domestic deposits to total assets | 64.0570% | 6,875 |
| Equity capital to assets | 35.7752% | 51 |
| Core capital (leverage) ratio | 35.9683% | 47 |
| Tier 1 risk-based capital ratio | 35.2885% | 338 |
| Total risk-based capital ratio | 36.5397% | 335 |
| Memoranda: | ||
| Average total assets | $29,273,500 | 6,731 |
| Average earning assets | $28,037,000 | 6,672 |
| Average equity | $10,628,500 | 4,853 |
| Average total loans | $20,037,500 | 6,354 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 4,904 |
| Cost of funding earning assets | 0.2434% | 6,700 |
| Net interest margin | 3.8677% | 2,955 |
| Noninterest income to average assets | 0.3356% | 5,057 |
| Noninterest expense to average assets | 3.5005% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5052% | 4,672 |
| Return on assets (ROA) | 0.5052% | 4,930 |
| Pretax return on assets | 0.5052% | 5,263 |
| Return on Equity (ROE) | 1.3179% | 6,058 |
| Retained earnings to average equity (ytd only) | 0.8001% | 5,463 |
| Net charge-offs to loans | 0.0047% | 5,904 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 298 |
| Efficiency ratio | 87.3874% | 1,296 |
| Assets per employee ($millions) | 4.1067% | 3,720 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 2,373 |
| Loan loss allowance to noncurrent loans | 15.0247% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 9.1453% | 261 |
| Noncurrent loans to loans | 12.4633% | 137 |
| Net loans and leases to total assets | 72.0040% | 1,488 |
| Net loans and leases to deposits | 114.4287% | 106 |
| Net loans and leases to core deposits | 114.4287% | 403 |
| Total domestic deposits to total assets | 62.9248% | 6,942 |
| Equity capital to assets | 36.8595% | 48 |
| Core capital (leverage) ratio | 37.7592% | 43 |
| Tier 1 risk-based capital ratio | 36.3562% | 303 |
| Total risk-based capital ratio | 37.6085% | 295 |
| Memoranda: | ||
| Average total assets | $27,710,000 | 6,811 |
| Average earning assets | $26,294,600 | 6,760 |
| Average equity | $10,623,200 | 4,838 |
| Average total loans | $21,092,800 | 6,376 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 4,574 |
| Cost of funding earning assets | 0.2509% | 6,806 |
| Net interest margin | 4.0196% | 2,419 |
| Noninterest income to average assets | 0.3594% | 4,946 |
| Noninterest expense to average assets | 3.1474% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0249% | 2,388 |
| Return on assets (ROA) | 1.0249% | 2,607 |
| Pretax return on assets | 1.0249% | 3,617 |
| Return on Equity (ROE) | 2.6466% | 5,821 |
| Retained earnings to average equity (ytd only) | 2.1198% | 5,264 |
| Net charge-offs to loans | 0.0063% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 211.5263% | 215 |
| Efficiency ratio | 75.4366% | 2,754 |
| Assets per employee ($millions) | 3.8413% | 4,212 |
| Cash dividends to net income (ytd only)* | 19.9054% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 2,215 |
| Loan loss allowance to noncurrent loans | 14.9867% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 9.7772% | 255 |
| Noncurrent loans to loans | 13.2237% | 130 |
| Net loans and leases to total assets | 72.4720% | 1,469 |
| Net loans and leases to deposits | 121.2708% | 72 |
| Net loans and leases to core deposits | 121.2708% | 286 |
| Total domestic deposits to total assets | 59.7605% | 7,066 |
| Equity capital to assets | 39.7188% | 44 |
| Core capital (leverage) ratio | 39.1711% | 43 |
| Tier 1 risk-based capital ratio | 39.1740% | 260 |
| Total risk-based capital ratio | 40.4248% | 254 |
| Memoranda: | ||
| Average total assets | $27,450,750 | 6,903 |
| Average earning assets | $26,038,500 | 6,849 |
| Average equity | $10,630,000 | 4,881 |
| Average total loans | $21,092,500 | 6,459 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5233% | 3,668 |
| Cost of funding earning assets | 0.2521% | 6,902 |
| Net interest margin | 4.2711% | 1,542 |
| Noninterest income to average assets | 0.3473% | 5,061 |
| Noninterest expense to average assets | 3.4590% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9335% | 2,746 |
| Return on assets (ROA) | 0.9335% | 3,012 |
| Pretax return on assets | 0.9335% | 3,951 |
| Return on Equity (ROE) | 2.4309% | 5,904 |
| Retained earnings to average equity (ytd only) | 2.4309% | 4,973 |
| Net charge-offs to loans | -0.0372% | 6,588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7479% | 2,360 |
| Assets per employee ($millions) | 3.8216% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9382% | 2,421 |
| Loan loss allowance to noncurrent loans | 17.4160% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 8.5642% | 377 |
| Noncurrent loans to loans | 11.1289% | 207 |
| Net loans and leases to total assets | 75.4626% | 1,038 |
| Net loans and leases to deposits | 125.8306% | 49 |
| Net loans and leases to core deposits | 125.8306% | 248 |
| Total domestic deposits to total assets | 59.9716% | 7,134 |
| Equity capital to assets | 39.7742% | 43 |
| Core capital (leverage) ratio | 39.9489% | 42 |
| Tier 1 risk-based capital ratio | 39.2273% | 245 |
| Total risk-based capital ratio | 40.4808% | 238 |
| Memoranda: | ||
| Average total assets | $27,638,000 | 6,958 |
| Average earning assets | $26,175,670 | 6,896 |
| Average equity | $10,613,330 | 4,892 |
| Average total loans | $21,496,330 | 6,489 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6642% | 3,193 |
| Cost of funding earning assets | 0.2717% | 6,938 |
| Net interest margin | 4.3925% | 1,245 |
| Noninterest income to average assets | 0.3134% | 5,374 |
| Noninterest expense to average assets | 1.9230% | 6,603 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.5355% | 174 |
| Return on assets (ROA) | 2.5355% | 209 |
| Pretax return on assets | 2.5355% | 320 |
| Return on Equity (ROE) | 6.7170% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.7170% | 2,572 |
| Net charge-offs to loans | -0.0547% | 6,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1310% | 7,024 |
| Assets per employee ($millions) | 3.8386% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 2,782 |
| Loan loss allowance to noncurrent loans | 4,975.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 6,833 |
| Noncurrent loans to loans | 0.0375% | 6,665 |
| Net loans and leases to total assets | 77.8489% | 609 |
| Net loans and leases to deposits | 129.3870% | 46 |
| Net loans and leases to core deposits | 129.3870% | 207 |
| Total domestic deposits to total assets | 60.1675% | 7,194 |
| Equity capital to assets | 39.7804% | 40 |
| Core capital (leverage) ratio | 38.9555% | 40 |
| Tier 1 risk-based capital ratio | 39.2343% | 240 |
| Total risk-based capital ratio | 40.4860% | 239 |
| Memoranda: | ||
| Average total assets | $28,081,500 | 7,001 |
| Average earning assets | $26,500,000 | 6,946 |
| Average equity | $10,600,000 | 4,905 |
| Average total loans | $21,951,500 | 6,517 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 3,537 |
| Cost of funding earning assets | 0.3716% | 6,961 |
| Net interest margin | 4.4899% | 1,163 |
| Noninterest income to average assets | 0.3139% | 5,297 |
| Noninterest expense to average assets | 3.3474% | 2,362 |
| Loan and lease loss provision to assets | 0.1825% | 4,367 |
| Net operating income to assets | 1.0623% | 1,949 |
| Return on assets (ROA) | 1.0623% | 2,094 |
| Pretax return on assets | 1.0623% | 2,994 |
| Return on Equity (ROE) | 2.8113% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.8113% | 4,245 |
| Net charge-offs to loans | 0.0325% | 5,994 |
| Credit loss provision to net charge-offs | 714.2857% | 304 |
| Earnings coverage of net charge-offs (x) | 48.7143% | 575 |
| Efficiency ratio | 72.8935% | 3,411 |
| Assets per employee ($millions) | 4.1847% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 3,035 |
| Loan loss allowance to noncurrent loans | 127.0096% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 4,492 |
| Noncurrent loans to loans | 1.3769% | 4,078 |
| Net loans and leases to total assets | 75.7587% | 978 |
| Net loans and leases to deposits | 118.2375% | 94 |
| Net loans and leases to core deposits | 118.2375% | 392 |
| Total domestic deposits to total assets | 64.0733% | 7,175 |
| Equity capital to assets | 35.8823% | 46 |
| Core capital (leverage) ratio | 38.1137% | 43 |
| Tier 1 risk-based capital ratio | 35.3930% | 321 |
| Total risk-based capital ratio | 36.6456% | 317 |
| Memoranda: | ||
| Average total assets | $27,394,600 | 7,042 |
| Average earning assets | $26,103,200 | 6,982 |
| Average equity | $10,351,200 | 4,935 |
| Average total loans | $21,569,400 | 6,576 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 3,618 |
| Cost of funding earning assets | 0.3995% | 7,019 |
| Net interest margin | 4.4885% | 1,176 |
| Noninterest income to average assets | 0.2972% | 5,483 |
| Noninterest expense to average assets | 2.9420% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6394% | 721 |
| Return on assets (ROA) | 1.6394% | 788 |
| Pretax return on assets | 1.6394% | 1,282 |
| Return on Equity (ROE) | 4.2800% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.4137% | 4,305 |
| Net charge-offs to loans | 0.0625% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 33.1073% | 873 |
| Efficiency ratio | 64.2162% | 5,032 |
| Assets per employee ($millions) | 3.8540% | 4,183 |
| Cash dividends to net income (ytd only)* | 20.2415% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 3,747 |
| Loan loss allowance to noncurrent loans | 950.0000% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 6,711 |
| Noncurrent loans to loans | 0.1665% | 6,532 |
| Net loans and leases to total assets | 78.8865% | 617 |
| Net loans and leases to deposits | 130.1811% | 50 |
| Net loans and leases to core deposits | 133.4462% | 213 |
| Total domestic deposits to total assets | 60.5975% | 7,291 |
| Equity capital to assets | 38.8613% | 54 |
| Core capital (leverage) ratio | 37.1089% | 54 |
| Tier 1 risk-based capital ratio | 38.3285% | 279 |
| Total risk-based capital ratio | 39.5788% | 275 |
| Memoranda: | ||
| Average total assets | $26,920,000 | 7,123 |
| Average earning assets | $25,694,750 | 7,065 |
| Average equity | $10,311,250 | 4,958 |
| Average total loans | $21,315,000 | 6,660 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 4,202 |
| Cost of funding earning assets | 0.4211% | 7,084 |
| Net interest margin | 4.3515% | 1,508 |
| Noninterest income to average assets | 0.2602% | 5,786 |
| Noninterest expense to average assets | 3.3977% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0111% | 2,182 |
| Return on assets (ROA) | 1.0111% | 2,280 |
| Pretax return on assets | 1.0111% | 3,203 |
| Return on Equity (ROE) | 2.6527% | 5,544 |
| Retained earnings to average equity (ytd only) | 1.3459% | 5,317 |
| Net charge-offs to loans | -0.0660% | 7,081 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0658% | 2,851 |
| Assets per employee ($millions) | 3.9367% | 3,903 |
| Cash dividends to net income (ytd only)* | 49.2647% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 3,537 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 6,763 |
| Noncurrent loans to loans | 0.1639% | 6,571 |
| Net loans and leases to total assets | 78.4156% | 715 |
| Net loans and leases to deposits | 126.1987% | 71 |
| Net loans and leases to core deposits | 126.1987% | 310 |
| Total domestic deposits to total assets | 62.1367% | 7,349 |
| Equity capital to assets | 37.3372% | 59 |
| Core capital (leverage) ratio | 38.2405% | 57 |
| Tier 1 risk-based capital ratio | 36.8267% | 304 |
| Total risk-based capital ratio | 38.0758% | 298 |
| Memoranda: | ||
| Average total assets | $26,900,670 | 7,191 |
| Average earning assets | $25,646,330 | 7,135 |
| Average equity | $10,253,670 | 4,984 |
| Average total loans | $21,212,000 | 6,737 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 3,969 |
| Cost of funding earning assets | 0.4597% | 7,090 |
| Net interest margin | 4.3589% | 1,398 |
| Noninterest income to average assets | 0.2559% | 5,851 |
| Noninterest expense to average assets | 3.1311% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2645% | 1,355 |
| Return on assets (ROA) | 1.2645% | 1,409 |
| Pretax return on assets | 1.2645% | 2,148 |
| Return on Equity (ROE) | 3.2825% | 5,248 |
| Retained earnings to average equity (ytd only) | 1.2505% | 5,323 |
| Net charge-offs to loans | -3.5520% | 7,524 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2329% | 4,005 |
| Assets per employee ($millions) | 2.9824% | 6,174 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6763% | 1,233 |
| Loan loss allowance to noncurrent loans | 151.2676% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 1.3226% | 4,322 |
| Noncurrent loans to loans | 1.7692% | 3,865 |
| Net loans and leases to total assets | 72.7517% | 1,564 |
| Net loans and leases to deposits | 118.3443% | 99 |
| Net loans and leases to core deposits | 118.3443% | 465 |
| Total domestic deposits to total assets | 61.4746% | 7,412 |
| Equity capital to assets | 38.1939% | 56 |
| Core capital (leverage) ratio | 37.1800% | 55 |
| Tier 1 risk-based capital ratio | 37.6676% | 282 |
| Total risk-based capital ratio | 38.9242% | 275 |
| Memoranda: | ||
| Average total assets | $26,572,500 | 7,247 |
| Average earning assets | $25,236,000 | 7,192 |
| Average equity | $10,236,000 | 4,979 |
| Average total loans | $20,833,500 | 6,799 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2884% | 3,186 |
| Cost of funding earning assets | 0.5194% | 7,270 |
| Net interest margin | 4.7690% | 703 |
| Noninterest income to average assets | 0.3172% | 5,524 |
| Noninterest expense to average assets | 4.7152% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0774% | 5,645 |
| Return on assets (ROA) | 0.0774% | 5,779 |
| Pretax return on assets | 0.0774% | 5,745 |
| Return on Equity (ROE) | 0.1933% | 5,904 |
| Retained earnings to average equity (ytd only) | -0.3479% | 5,680 |
| Net charge-offs to loans | 1.0603% | 2,087 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 0.0897% | 6,028 |
| Efficiency ratio | 98.3858% | 857 |
| Assets per employee ($millions) | 2.9226% | 6,266 |
| Cash dividends to net income (ytd only)* | 280.0000% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 3,467 |
| Loan loss allowance to noncurrent loans | 109.3168% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 4,573 |
| Noncurrent loans to loans | 1.4906% | 4,244 |
| Net loans and leases to total assets | 80.7893% | 567 |
| Net loans and leases to deposits | 132.3493% | 63 |
| Net loans and leases to core deposits | 132.3493% | 302 |
| Total domestic deposits to total assets | 61.0425% | 7,496 |
| Equity capital to assets | 38.8549% | 56 |
| Core capital (leverage) ratio | 38.2070% | 59 |
| Tier 1 risk-based capital ratio | 38.3159% | 272 |
| Total risk-based capital ratio | 39.5831% | 263 |
| Memoranda: | ||
| Average total assets | $25,852,600 | 7,323 |
| Average earning assets | $24,260,600 | 7,279 |
| Average equity | $10,348,200 | 5,025 |
| Average total loans | $21,031,200 | 6,869 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3039% | 3,339 |
| Cost of funding earning assets | 0.5248% | 7,411 |
| Net interest margin | 4.7790% | 704 |
| Noninterest income to average assets | 0.3315% | 5,511 |
| Noninterest expense to average assets | 3.2582% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5540% | 820 |
| Return on assets (ROA) | 1.5540% | 897 |
| Pretax return on assets | 1.5540% | 1,466 |
| Return on Equity (ROE) | 3.8534% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.1341% | 4,241 |
| Net charge-offs to loans | 1.4298% | 1,421 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 1.3393% | 4,745 |
| Efficiency ratio | 67.7072% | 4,526 |
| Assets per employee ($millions) | 3.1534% | 5,795 |
| Cash dividends to net income (ytd only)* | 18.6655% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 3,111 |
| Loan loss allowance to noncurrent loans | 5,850.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 7,302 |
| Noncurrent loans to loans | 0.0293% | 7,182 |
| Net loans and leases to total assets | 79.8192% | 783 |
| Net loans and leases to deposits | 137.8045% | 51 |
| Net loans and leases to core deposits | 137.8045% | 284 |
| Total domestic deposits to total assets | 57.9221% | 7,618 |
| Equity capital to assets | 41.6221% | 55 |
| Core capital (leverage) ratio | 41.6056% | 53 |
| Tier 1 risk-based capital ratio | 41.0477% | 230 |
| Total risk-based capital ratio | 42.2987% | 225 |
| Memoranda: | ||
| Average total assets | $25,740,000 | 7,419 |
| Average earning assets | $24,132,750 | 7,374 |
| Average equity | $10,380,250 | 5,092 |
| Average total loans | $20,888,500 | 6,965 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1871% | 4,018 |
| Cost of funding earning assets | 0.5425% | 7,488 |
| Net interest margin | 4.6445% | 904 |
| Noninterest income to average assets | 0.3319% | 5,507 |
| Noninterest expense to average assets | 2.9949% | 3,730 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6981% | 589 |
| Return on assets (ROA) | 1.6981% | 640 |
| Pretax return on assets | 1.6981% | 1,061 |
| Return on Equity (ROE) | 4.2552% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.1720% | 4,092 |
| Net charge-offs to loans | 3.6247% | 396 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.5774% | 5,160 |
| Efficiency ratio | 63.8158% | 5,369 |
| Assets per employee ($millions) | 3.1390% | 5,820 |
| Cash dividends to net income (ytd only)* | 25.4545% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 6,668 |
| Loan loss allowance to noncurrent loans | 2,771.4286% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 7,332 |
| Noncurrent loans to loans | 0.0335% | 7,238 |
| Net loans and leases to total assets | 82.5143% | 483 |
| Net loans and leases to deposits | 141.8081% | 45 |
| Net loans and leases to core deposits | 141.8081% | 269 |
| Total domestic deposits to total assets | 58.1873% | 7,680 |
| Equity capital to assets | 41.4941% | 55 |
| Core capital (leverage) ratio | 40.3095% | 54 |
| Tier 1 risk-based capital ratio | 41.1467% | 229 |
| Total risk-based capital ratio | 41.9128% | 234 |
| Memoranda: | ||
| Average total assets | $25,911,000 | 7,473 |
| Average earning assets | $24,329,670 | 7,427 |
| Average equity | $10,340,330 | 5,105 |
| Average total loans | $21,022,330 | 7,014 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 3,904 |
| Cost of funding earning assets | 0.5499% | 7,602 |
| Net interest margin | 4.6743% | 830 |
| Noninterest income to average assets | 0.2585% | 6,087 |
| Noninterest expense to average assets | 2.7213% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9308% | 393 |
| Return on assets (ROA) | 1.9308% | 431 |
| Pretax return on assets | 1.9308% | 694 |
| Return on Equity (ROE) | 4.9318% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.4561% | 4,077 |
| Net charge-offs to loans | -0.5694% | 7,809 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4967% | 6,410 |
| Assets per employee ($millions) | 3.1353% | 5,910 |
| Cash dividends to net income (ytd only)* | 29.9213% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9460% | 861 |
| Loan loss allowance to noncurrent loans | 144.7368% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.6665% | 3,973 |
| Noncurrent loans to loans | 2.0354% | 3,735 |
| Net loans and leases to total assets | 79.4634% | 916 |
| Net loans and leases to deposits | 136.1500% | 61 |
| Net loans and leases to core deposits | 136.1500% | 381 |
| Total domestic deposits to total assets | 58.3646% | 7,777 |
| Equity capital to assets | 41.2447% | 53 |
| Core capital (leverage) ratio | 39.0938% | 54 |
| Tier 1 risk-based capital ratio | 40.6947% | 240 |
| Total risk-based capital ratio | 41.9574% | 235 |
| Memoranda: | ||
| Average total assets | $26,310,500 | 7,552 |
| Average earning assets | $24,731,000 | 7,506 |
| Average equity | $10,300,500 | 5,150 |
| Average total loans | $21,076,000 | 7,094 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 5,007 |
| Cost of funding earning assets | 0.6350% | 7,748 |
| Net interest margin | 4.6990% | 837 |
| Noninterest income to average assets | 0.4570% | 4,744 |
| Noninterest expense to average assets | 3.8559% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0725% | 1,587 |
| Return on assets (ROA) | 1.0725% | 1,634 |
| Pretax return on assets | 1.0725% | 2,334 |
| Return on Equity (ROE) | 2.7878% | 4,595 |
| Retained earnings to average equity (ytd only) | 2.1006% | 3,637 |
| Net charge-offs to loans | 1.6300% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 0.8256% | 5,286 |
| Efficiency ratio | 78.2375% | 3,152 |
| Assets per employee ($millions) | 3.4424% | 5,147 |
| Cash dividends to net income (ytd only)* | 24.6479% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6601% | 1,059 |
| Loan loss allowance to noncurrent loans | 942.6230% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 6,910 |
| Noncurrent loans to loans | 0.2822% | 6,721 |
| Net loans and leases to total assets | 76.4044% | 1,711 |
| Net loans and leases to deposits | 121.9627% | 150 |
| Net loans and leases to core deposits | 126.0922% | 1,508 |
| Total domestic deposits to total assets | 62.6457% | 7,743 |
| Equity capital to assets | 37.2417% | 71 |
| Core capital (leverage) ratio | 38.5462% | 68 |
| Tier 1 risk-based capital ratio | 36.7480% | 310 |
| Total risk-based capital ratio | 38.0092% | 302 |
| Memoranda: | ||
| Average total assets | $26,479,200 | 7,598 |
| Average earning assets | $25,197,000 | 7,536 |
| Average equity | $10,187,400 | 5,245 |
| Average total loans | $21,104,400 | 7,132 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 4,902 |
| Cost of funding earning assets | 0.6595% | 7,847 |
| Net interest margin | 4.7495% | 758 |
| Noninterest income to average assets | 0.2899% | 6,162 |
| Noninterest expense to average assets | 3.5603% | 2,123 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2716% | 1,282 |
| Return on assets (ROA) | 1.2716% | 1,355 |
| Pretax return on assets | 1.2716% | 2,038 |
| Return on Equity (ROE) | 3.2775% | 4,671 |
| Retained earnings to average equity (ytd only) | 2.3597% | 4,005 |
| Net charge-offs to loans | 2.2056% | 873 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.7205% | 5,317 |
| Efficiency ratio | 73.6842% | 3,921 |
| Assets per employee ($millions) | 3.2109% | 5,624 |
| Cash dividends to net income (ytd only)* | 27.9993% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7905% | 798 |
| Loan loss allowance to noncurrent loans | 183.0128% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2146% | 4,641 |
| Noncurrent loans to loans | 1.5248% | 4,368 |
| Net loans and leases to total assets | 77.4361% | 1,682 |
| Net loans and leases to deposits | 129.6422% | 110 |
| Net loans and leases to core deposits | 131.3544% | 1,353 |
| Total domestic deposits to total assets | 59.7306% | 7,882 |
| Equity capital to assets | 39.7944% | 73 |
| Core capital (leverage) ratio | 38.6158% | 78 |
| Tier 1 risk-based capital ratio | 39.2640% | 294 |
| Total risk-based capital ratio | 40.5278% | 290 |
| Memoranda: | ||
| Average total assets | $26,214,250 | 7,671 |
| Average earning assets | $25,068,500 | 7,609 |
| Average equity | $10,170,250 | 5,295 |
| Average total loans | $20,976,500 | 7,202 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5177% | 4,524 |
| Cost of funding earning assets | 0.6897% | 7,925 |
| Net interest margin | 4.8280% | 623 |
| Noninterest income to average assets | 0.2728% | 6,322 |
| Noninterest expense to average assets | 2.7889% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0993% | 237 |
| Return on assets (ROA) | 2.0993% | 260 |
| Pretax return on assets | 2.0993% | 434 |
| Return on Equity (ROE) | 5.4565% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.0776% | 3,022 |
| Net charge-offs to loans | 3.2533% | 490 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.8052% | 4,929 |
| Efficiency ratio | 57.0543% | 6,980 |
| Assets per employee ($millions) | 3.2518% | 5,447 |
| Cash dividends to net income (ytd only)* | 25.2708% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8540% | 646 |
| Loan loss allowance to noncurrent loans | 637.7778% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.3460% | 6,587 |
| Noncurrent loans to loans | 0.4475% | 6,403 |
| Net loans and leases to total assets | 75.1057% | 2,415 |
| Net loans and leases to deposits | 124.6205% | 170 |
| Net loans and leases to core deposits | 126.2308% | 1,847 |
| Total domestic deposits to total assets | 60.2675% | 7,927 |
| Equity capital to assets | 39.3980% | 88 |
| Core capital (leverage) ratio | 37.6110% | 100 |
| Tier 1 risk-based capital ratio | 38.8735% | 333 |
| Total risk-based capital ratio | 40.1365% | 324 |
| Memoranda: | ||
| Average total assets | $26,390,000 | 7,744 |
| Average earning assets | $25,228,000 | 7,669 |
| Average equity | $10,153,000 | 5,316 |
| Average total loans | $21,148,000 | 7,260 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1481% | 1,769 |
| Cost of funding earning assets | 0.7567% | 7,954 |
| Net interest margin | 5.3915% | 205 |
| Noninterest income to average assets | 0.2258% | 6,659 |
| Noninterest expense to average assets | 2.9649% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.4080% | 155 |
| Return on assets (ROA) | 2.4080% | 184 |
| Pretax return on assets | 2.4080% | 295 |
| Return on Equity (ROE) | 6.3335% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.9876% | 3,135 |
| Net charge-offs to loans | 0.9970% | 1,345 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.9630% | 3,322 |
| Efficiency ratio | 55.1821% | 7,080 |
| Assets per employee ($millions) | 3.2561% | 5,436 |
| Cash dividends to net income (ytd only)* | 21.2500% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2814% | 168 |
| Loan loss allowance to noncurrent loans | 493.1429% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 5,485 |
| Noncurrent loans to loans | 0.8682% | 5,279 |
| Net loans and leases to total assets | 74.0681% | 2,737 |
| Net loans and leases to deposits | 122.2997% | 248 |
| Net loans and leases to core deposits | 124.6785% | 2,021 |
| Total domestic deposits to total assets | 60.5628% | 7,954 |
| Equity capital to assets | 39.0341% | 95 |
| Core capital (leverage) ratio | 37.2727% | 108 |
| Tier 1 risk-based capital ratio | 38.5093% | 346 |
| Total risk-based capital ratio | 39.7856% | 342 |
| Memoranda: | ||
| Average total assets | $26,578,000 | 7,778 |
| Average earning assets | $25,373,500 | 7,712 |
| Average equity | $10,105,000 | 5,354 |
| Average total loans | $21,666,000 | 7,267 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8636% | 6,218 |
| Cost of funding earning assets | 1.1630% | 7,970 |
| Net interest margin | 4.7006% | 971 |
| Noninterest income to average assets | 0.4613% | 4,954 |
| Noninterest expense to average assets | 2.8333% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1028% | 290 |
| Return on assets (ROA) | 2.1067% | 273 |
| Pretax return on assets | 2.1067% | 479 |
| Return on Equity (ROE) | 5.5672% | 4,126 |
| Retained earnings to average equity (ytd only) | 4.0230% | 2,630 |
| Net charge-offs to loans | 0.0550% | 5,996 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 45.5833% | 817 |
| Efficiency ratio | 57.3988% | 6,800 |
| Assets per employee ($millions) | 3.3884% | 4,968 |
| Cash dividends to net income (ytd only)* | 27.7372% | 4,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9612% | 194 |
| Loan loss allowance to noncurrent loans | 207.2235% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.6343% | 2,976 |
| Noncurrent loans to loans | 1.9115% | 2,880 |
| Net loans and leases to total assets | 82.1079% | 1,209 |
| Net loans and leases to deposits | 130.8696% | 201 |
| Net loans and leases to core deposits | 133.2196% | 1,640 |
| Total domestic deposits to total assets | 62.7403% | 7,848 |
| Equity capital to assets | 37.0458% | 115 |
| Core capital (leverage) ratio | 37.2727% | 125 |
| Tier 1 risk-based capital ratio | 36.5496% | 407 |
| Total risk-based capital ratio | 37.8235% | 399 |
| Memoranda: | ||
| Average total assets | $26,012,400 | 7,805 |
| Average earning assets | $24,763,000 | 7,753 |
| Average equity | $9,843,400 | 5,453 |
| Average total loans | $21,821,400 | 7,207 |