Home > The First National Bank of Hartford > Performance and Condition Ratios
The First National Bank of Hartford, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0126% | 1,160 |
| Cost of funding earning assets | 1.6541% | 2,839 |
| Net interest margin | 4.3585% | 779 |
| Noninterest income to average assets | 2.4900% | 218 |
| Noninterest expense to average assets | 4.9100% | 240 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 1.1714% | 1,800 |
| Return on assets (ROA) | 1.1714% | 1,798 |
| Pretax return on assets | 1.2218% | 2,186 |
| Return on Equity (ROE) | 11.5900% | 1,857 |
| Retained earnings to average equity (ytd only) | 6.3540% | 2,166 |
| Net charge-offs to loans | -0.0227% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 78.7165% | 1,023 |
| Assets per employee ($millions) | 2.8221% | 4,286 |
| Cash dividends to net income (ytd only)* | 45.1613% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,089 |
| Loan loss allowance to noncurrent loans | 84.2498% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 1.3235% | 484 |
| Noncurrent loans to loans | 1.2167% | 868 |
| Net loans and leases to total assets | 54.2600% | 3,326 |
| Net loans and leases to deposits | 60.8655% | 3,455 |
| Net loans and leases to core deposits | 67.8851% | 3,395 |
| Total domestic deposits to total assets | 89.1500% | 1,124 |
| Equity capital to assets | 10.3057% | 2,040 |
| Core capital (leverage) ratio | 12.7738% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $158,779,500 | 3,307 |
| Average earning assets | $135,183,000 | 3,382 |
| Average equity | $16,053,000 | 3,282 |
| Average total loans | $88,179,000 | 3,338 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 36,785.0000% | 27 |
| Cost of funding earning assets | 140.0000% | 18 |
| Net interest margin | 0.0000% | 4,448 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 0.0009% | 4,472 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 0.9872% | 2,090 |
| Pretax return on assets | 1.0349% | 2,440 |
| Return on Equity (ROE) | 9.8900% | 2,180 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 186.0000% | 9 |
| Credit loss provision to net charge-offs | 4.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,451 |
| Efficiency ratio | 0.0000% | 4,474 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 1.9407% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 720.0000% | 26 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0217% | 4,364 |
| Total domestic deposits to total assets | 1.8345% | 4,401 |
| Equity capital to assets | 89,224.0000% | 24 |
| Core capital (leverage) ratio | 0.0000% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,032,000 | 4,489 |
| Average earning assets | $15,074 | 4,456 |
| Average equity | $0 | 4,450 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9742% | 1,287 |
| Cost of funding earning assets | 1.7863% | 2,751 |
| Net interest margin | 4.1879% | 912 |
| Noninterest income to average assets | 2.4300% | 214 |
| Noninterest expense to average assets | 5.1284% | 222 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.7403% | 2,867 |
| Return on assets (ROA) | 0.7403% | 2,885 |
| Pretax return on assets | 0.7938% | 3,055 |
| Return on Equity (ROE) | 7.4000% | 2,920 |
| Retained earnings to average equity (ytd only) | 4.8574% | 2,525 |
| Net charge-offs to loans | 0.1467% | 752 |
| Credit loss provision to net charge-offs | 98.9247% | 1,686 |
| Earnings coverage of net charge-offs (x) | 10.5591% | 2,112 |
| Efficiency ratio | 84.9079% | 758 |
| Assets per employee ($millions) | 2.8023% | 4,342 |
| Cash dividends to net income (ytd only)* | 34.3373% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 3,298 |
| Loan loss allowance to noncurrent loans | 133.5925% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 663 |
| Noncurrent loans to loans | 0.7412% | 1,333 |
| Net loans and leases to total assets | 54.7400% | 3,363 |
| Net loans and leases to deposits | 61.7074% | 3,497 |
| Net loans and leases to core deposits | 70.4186% | 3,367 |
| Total domestic deposits to total assets | 88.7000% | 1,015 |
| Equity capital to assets | 10.4995% | 1,977 |
| Core capital (leverage) ratio | 13.9679% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $149,491,750 | 3,363 |
| Average earning assets | $127,411,500 | 3,466 |
| Average equity | $14,959,500 | 3,342 |
| Average total loans | $84,515,750 | 3,380 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8971% | 1,306 |
| Cost of funding earning assets | 1.7728% | 2,687 |
| Net interest margin | 4.1243% | 975 |
| Noninterest income to average assets | 2.4100% | 217 |
| Noninterest expense to average assets | 5.3043% | 208 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 0.4639% | 3,528 |
| Return on assets (ROA) | 0.4639% | 3,562 |
| Pretax return on assets | 0.5197% | 3,591 |
| Return on Equity (ROE) | 4.7200% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.0756% | 3,325 |
| Net charge-offs to loans | 0.2913% | 378 |
| Credit loss provision to net charge-offs | 63.9344% | 1,753 |
| Earnings coverage of net charge-offs (x) | 3.7705% | 2,304 |
| Efficiency ratio | 88.9883% | 615 |
| Assets per employee ($millions) | 2.5727% | 4,376 |
| Cash dividends to net income (ytd only)* | 56.0117% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 3,497 |
| Loan loss allowance to noncurrent loans | 138.5399% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 592 |
| Noncurrent loans to loans | 0.6882% | 1,346 |
| Net loans and leases to total assets | 56.8100% | 3,202 |
| Net loans and leases to deposits | 63.4520% | 3,388 |
| Net loans and leases to core deposits | 71.0163% | 3,315 |
| Total domestic deposits to total assets | 89.5300% | 835 |
| Equity capital to assets | 9.8078% | 2,192 |
| Core capital (leverage) ratio | 14.3184% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $147,012,000 | 3,399 |
| Average earning assets | $125,451,333 | 3,496 |
| Average equity | $14,453,667 | 3,356 |
| Average total loans | $83,768,667 | 3,392 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8869% | 1,217 |
| Cost of funding earning assets | 1.7488% | 2,644 |
| Net interest margin | 4.1381% | 930 |
| Noninterest income to average assets | 2.5700% | 198 |
| Noninterest expense to average assets | 5.2279% | 204 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.7347% | 2,732 |
| Return on assets (ROA) | 0.7347% | 2,748 |
| Pretax return on assets | 0.7923% | 2,945 |
| Return on Equity (ROE) | 7.4600% | 2,836 |
| Retained earnings to average equity (ytd only) | 2.5900% | 3,096 |
| Net charge-offs to loans | 0.1545% | 544 |
| Credit loss provision to net charge-offs | 103.1250% | 1,124 |
| Earnings coverage of net charge-offs (x) | 10.0625% | 1,637 |
| Efficiency ratio | 85.1054% | 829 |
| Assets per employee ($millions) | 2.5917% | 4,399 |
| Cash dividends to net income (ytd only)* | 65.2985% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 3,139 |
| Loan loss allowance to noncurrent loans | 169.8225% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0156% | 564 |
| Noncurrent loans to loans | 0.6078% | 1,433 |
| Net loans and leases to total assets | 56.8800% | 3,130 |
| Net loans and leases to deposits | 63.8855% | 3,306 |
| Net loans and leases to core deposits | 71.6211% | 3,246 |
| Total domestic deposits to total assets | 89.0300% | 1,099 |
| Equity capital to assets | 9.8172% | 2,123 |
| Core capital (leverage) ratio | 14.0262% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $145,909,000 | 3,418 |
| Average earning assets | $124,888,500 | 3,512 |
| Average equity | $14,363,000 | 3,368 |
| Average total loans | $82,860,000 | 3,406 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1670% | 1,728 |
| Cost of funding earning assets | 1.2560% | 2,642 |
| Net interest margin | 3.9109% | 1,353 |
| Noninterest income to average assets | 2.2000% | 243 |
| Noninterest expense to average assets | 4.7531% | 245 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7362% | 3,091 |
| Return on assets (ROA) | 0.7369% | 3,069 |
| Pretax return on assets | 0.7646% | 3,302 |
| Return on Equity (ROE) | 7.9200% | 3,041 |
| Retained earnings to average equity (ytd only) | 4.4830% | 2,796 |
| Net charge-offs to loans | 0.2455% | 434 |
| Credit loss provision to net charge-offs | 15.2632% | 2,328 |
| Earnings coverage of net charge-offs (x) | 5.9579% | 2,505 |
| Efficiency ratio | 85.4409% | 593 |
| Assets per employee ($millions) | 2.5291% | 4,424 |
| Cash dividends to net income (ytd only)* | 43.4211% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,089 |
| Loan loss allowance to noncurrent loans | 176.5914% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 503 |
| Noncurrent loans to loans | 0.5917% | 1,333 |
| Net loans and leases to total assets | 55.5300% | 3,233 |
| Net loans and leases to deposits | 63.3699% | 3,330 |
| Net loans and leases to core deposits | 71.6271% | 3,214 |
| Total domestic deposits to total assets | 87.6200% | 1,478 |
| Equity capital to assets | 9.8701% | 2,082 |
| Core capital (leverage) ratio | 14.5712% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $144,391,400 | 3,418 |
| Average earning assets | $123,244,400 | 3,515 |
| Average equity | $13,428,600 | 3,383 |
| Average total loans | $77,391,000 | 3,450 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 1,756 |
| Cost of funding earning assets | 1.0945% | 2,757 |
| Net interest margin | 3.9446% | 1,312 |
| Noninterest income to average assets | 2.0900% | 273 |
| Noninterest expense to average assets | 4.7383% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6620% | 3,404 |
| Return on assets (ROA) | 0.6629% | 3,389 |
| Pretax return on assets | 0.7129% | 3,526 |
| Return on Equity (ROE) | 7.2400% | 3,367 |
| Retained earnings to average equity (ytd only) | 3.4633% | 3,395 |
| Net charge-offs to loans | 0.1803% | 485 |
| Credit loss provision to net charge-offs | 4.8544% | 2,043 |
| Earnings coverage of net charge-offs (x) | 7.5049% | 2,233 |
| Efficiency ratio | 86.4888% | 493 |
| Assets per employee ($millions) | 2.5484% | 4,444 |
| Cash dividends to net income (ytd only)* | 52.1678% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 2,635 |
| Loan loss allowance to noncurrent loans | 141.7819% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 500 |
| Noncurrent loans to loans | 0.8088% | 1,025 |
| Net loans and leases to total assets | 55.7500% | 3,227 |
| Net loans and leases to deposits | 62.4441% | 3,376 |
| Net loans and leases to core deposits | 69.2424% | 3,249 |
| Total domestic deposits to total assets | 89.2900% | 1,159 |
| Equity capital to assets | 8.6589% | 2,624 |
| Core capital (leverage) ratio | 14.7393% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $143,818,000 | 3,427 |
| Average earning assets | $122,796,750 | 3,521 |
| Average equity | $13,166,250 | 3,404 |
| Average total loans | $76,161,250 | 3,472 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 1,822 |
| Cost of funding earning assets | 0.9568% | 2,746 |
| Net interest margin | 3.9200% | 1,386 |
| Noninterest income to average assets | 2.0600% | 232 |
| Noninterest expense to average assets | 4.6453% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7033% | 3,337 |
| Return on assets (ROA) | 0.7046% | 3,339 |
| Pretax return on assets | 0.7532% | 3,497 |
| Return on Equity (ROE) | 7.5600% | 3,349 |
| Retained earnings to average equity (ytd only) | 3.7065% | 3,282 |
| Net charge-offs to loans | 0.0642% | 914 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 22.5833% | 1,696 |
| Efficiency ratio | 85.6849% | 512 |
| Assets per employee ($millions) | 2.5165% | 4,479 |
| Cash dividends to net income (ytd only)* | 50.9843% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 1,900 |
| Loan loss allowance to noncurrent loans | 101.6293% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1666% | 360 |
| Noncurrent loans to loans | 1.2865% | 553 |
| Net loans and leases to total assets | 53.4600% | 3,307 |
| Net loans and leases to deposits | 60.3590% | 3,402 |
| Net loans and leases to core deposits | 66.0323% | 3,349 |
| Total domestic deposits to total assets | 88.5600% | 1,393 |
| Equity capital to assets | 9.4413% | 2,197 |
| Core capital (leverage) ratio | 14.4288% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $144,187,667 | 3,437 |
| Average earning assets | $122,907,667 | 3,528 |
| Average equity | $13,436,000 | 3,396 |
| Average total loans | $74,719,000 | 3,493 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 1,986 |
| Cost of funding earning assets | 0.8141% | 2,685 |
| Net interest margin | 3.8293% | 1,622 |
| Noninterest income to average assets | 2.0900% | 221 |
| Noninterest expense to average assets | 4.3972% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9135% | 2,812 |
| Return on assets (ROA) | 0.9135% | 2,768 |
| Pretax return on assets | 0.9546% | 3,110 |
| Return on Equity (ROE) | 9.8700% | 2,823 |
| Retained earnings to average equity (ytd only) | 5.1846% | 2,978 |
| Net charge-offs to loans | 0.1786% | 407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 10.5455% | 1,660 |
| Efficiency ratio | 81.8042% | 717 |
| Assets per employee ($millions) | 2.6963% | 4,535 |
| Cash dividends to net income (ytd only)* | 47.4474% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 1,905 |
| Loan loss allowance to noncurrent loans | 194.4882% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 552 |
| Noncurrent loans to loans | 0.6829% | 1,112 |
| Net loans and leases to total assets | 48.6100% | 3,591 |
| Net loans and leases to deposits | 54.9626% | 3,630 |
| Net loans and leases to core deposits | 59.7478% | 3,551 |
| Total domestic deposits to total assets | 88.4500% | 1,759 |
| Equity capital to assets | 9.2389% | 2,329 |
| Core capital (leverage) ratio | 14.5275% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $145,820,000 | 3,466 |
| Average earning assets | $124,303,500 | 3,557 |
| Average equity | $13,501,500 | 3,434 |
| Average total loans | $73,914,000 | 3,541 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 1,010 |
| Cost of funding earning assets | 0.3487% | 2,484 |
| Net interest margin | 3.9773% | 816 |
| Noninterest income to average assets | 1.9700% | 248 |
| Noninterest expense to average assets | 4.4190% | 265 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8769% | 3,056 |
| Return on assets (ROA) | 0.8910% | 2,937 |
| Pretax return on assets | 0.9386% | 3,248 |
| Return on Equity (ROE) | 8.4100% | 3,274 |
| Retained earnings to average equity (ytd only) | 5.3283% | 2,907 |
| Net charge-offs to loans | -0.1547% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.6682% | 613 |
| Assets per employee ($millions) | 2.6537% | 4,570 |
| Cash dividends to net income (ytd only)* | 36.6534% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 1,532 |
| Loan loss allowance to noncurrent loans | 222.9258% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7970% | 594 |
| Noncurrent loans to loans | 0.6237% | 1,189 |
| Net loans and leases to total assets | 51.4900% | 3,393 |
| Net loans and leases to deposits | 58.8197% | 3,409 |
| Net loans and leases to core deposits | 62.5168% | 3,360 |
| Total domestic deposits to total assets | 87.5400% | 2,219 |
| Equity capital to assets | 9.2806% | 2,169 |
| Core capital (leverage) ratio | 14.7043% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $140,846,600 | 3,524 |
| Average earning assets | $120,734,400 | 3,613 |
| Average equity | $14,920,400 | 3,375 |
| Average total loans | $68,513,600 | 3,602 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 797 |
| Cost of funding earning assets | 0.2826% | 2,358 |
| Net interest margin | 3.9703% | 681 |
| Noninterest income to average assets | 1.8000% | 298 |
| Noninterest expense to average assets | 4.3984% | 266 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7166% | 3,519 |
| Return on assets (ROA) | 0.7353% | 3,410 |
| Pretax return on assets | 0.7826% | 3,624 |
| Return on Equity (ROE) | 6.7300% | 3,648 |
| Retained earnings to average equity (ytd only) | 4.4711% | 3,296 |
| Net charge-offs to loans | -0.2200% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.0029% | 545 |
| Assets per employee ($millions) | 2.6612% | 4,609 |
| Cash dividends to net income (ytd only)* | 33.5907% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 1,537 |
| Loan loss allowance to noncurrent loans | 176.3385% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 556 |
| Noncurrent loans to loans | 0.8068% | 992 |
| Net loans and leases to total assets | 50.1500% | 3,443 |
| Net loans and leases to deposits | 55.2271% | 3,534 |
| Net loans and leases to core deposits | 59.2997% | 3,434 |
| Total domestic deposits to total assets | 90.8200% | 1,310 |
| Equity capital to assets | 8.7603% | 2,368 |
| Core capital (leverage) ratio | 14.3570% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $140,896,250 | 3,550 |
| Average earning assets | $120,761,000 | 3,636 |
| Average equity | $15,387,250 | 3,374 |
| Average total loans | $67,282,500 | 3,636 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 746 |
| Cost of funding earning assets | 0.2363% | 2,434 |
| Net interest margin | 3.8784% | 639 |
| Noninterest income to average assets | 1.7480% | 274 |
| Noninterest expense to average assets | 4.3835% | 224 |
| Loan and lease loss provision to assets | 0.0142% | 2,339 |
| Net operating income to assets | 0.6382% | 3,514 |
| Return on assets (ROA) | 0.6660% | 3,375 |
| Pretax return on assets | 0.7128% | 3,545 |
| Return on Equity (ROE) | 5.7203% | 3,647 |
| Retained earnings to average equity (ytd only) | 3.5493% | 3,254 |
| Net charge-offs to loans | -0.4773% | 4,689 |
| Credit loss provision to net charge-offs | -6.3694% | 2,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8021% | 585 |
| Assets per employee ($millions) | 2.6153% | 4,661 |
| Cash dividends to net income (ytd only)* | 37.9531% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 1,268 |
| Loan loss allowance to noncurrent loans | 132.7320% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0086% | 457 |
| Noncurrent loans to loans | 1.1701% | 684 |
| Net loans and leases to total assets | 47.1030% | 3,621 |
| Net loans and leases to deposits | 52.5220% | 3,647 |
| Net loans and leases to core deposits | 56.2720% | 3,545 |
| Total domestic deposits to total assets | 89.6825% | 1,854 |
| Equity capital to assets | 9.9683% | 1,734 |
| Core capital (leverage) ratio | 14.1625% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,846,667 | 3,593 |
| Average earning assets | $121,030,000 | 3,687 |
| Average equity | $16,397,667 | 3,372 |
| Average total loans | $65,789,333 | 3,698 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 676 |
| Cost of funding earning assets | 0.2347% | 2,324 |
| Net interest margin | 3.8301% | 602 |
| Noninterest income to average assets | 1.6736% | 303 |
| Noninterest expense to average assets | 4.3560% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6104% | 3,364 |
| Return on assets (ROA) | 0.6678% | 3,154 |
| Pretax return on assets | 0.6875% | 3,428 |
| Return on Equity (ROE) | 5.3596% | 3,523 |
| Retained earnings to average equity (ytd only) | 3.4374% | 3,138 |
| Net charge-offs to loans | -1.1293% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9418% | 681 |
| Assets per employee ($millions) | 2.6688% | 4,684 |
| Cash dividends to net income (ytd only)* | 35.8650% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 1,228 |
| Loan loss allowance to noncurrent loans | 86.6116% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2047% | 364 |
| Noncurrent loans to loans | 1.8649% | 405 |
| Net loans and leases to total assets | 45.1293% | 3,645 |
| Net loans and leases to deposits | 51.1937% | 3,631 |
| Net loans and leases to core deposits | 55.0715% | 3,521 |
| Total domestic deposits to total assets | 88.1540% | 2,458 |
| Equity capital to assets | 11.5787% | 1,101 |
| Core capital (leverage) ratio | 13.3777% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,965,500 | 3,598 |
| Average earning assets | $122,711,000 | 3,686 |
| Average equity | $17,688,000 | 3,350 |
| Average total loans | $65,524,500 | 3,709 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 833 |
| Cost of funding earning assets | 0.3314% | 2,108 |
| Net interest margin | 3.9838% | 736 |
| Noninterest income to average assets | 1.4727% | 517 |
| Noninterest expense to average assets | 3.9937% | 288 |
| Loan and lease loss provision to assets | 0.1843% | 617 |
| Net operating income to assets | 0.6935% | 3,645 |
| Return on assets (ROA) | 0.7625% | 3,511 |
| Pretax return on assets | 0.7937% | 3,739 |
| Return on Equity (ROE) | 5.4727% | 3,890 |
| Retained earnings to average equity (ytd only) | 3.2440% | 3,526 |
| Net charge-offs to loans | 0.5303% | 154 |
| Credit loss provision to net charge-offs | 71.3483% | 2,011 |
| Earnings coverage of net charge-offs (x) | 3.5084% | 2,539 |
| Efficiency ratio | 81.2407% | 735 |
| Assets per employee ($millions) | 2.8496% | 4,709 |
| Cash dividends to net income (ytd only)* | 40.7231% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 2,340 |
| Loan loss allowance to noncurrent loans | 92.1025% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.1440% | 443 |
| Noncurrent loans to loans | 1.4161% | 657 |
| Net loans and leases to total assets | 45.8325% | 3,707 |
| Net loans and leases to deposits | 53.0487% | 3,662 |
| Net loans and leases to core deposits | 57.0491% | 3,546 |
| Total domestic deposits to total assets | 86.3969% | 2,760 |
| Equity capital to assets | 13.3336% | 815 |
| Core capital (leverage) ratio | 13.2505% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,841,200 | 3,601 |
| Average earning assets | $118,581,000 | 3,700 |
| Average equity | $19,204,400 | 3,284 |
| Average total loans | $67,128,000 | 3,708 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 706 |
| Cost of funding earning assets | 0.3564% | 2,051 |
| Net interest margin | 4.1148% | 634 |
| Noninterest income to average assets | 1.3384% | 663 |
| Noninterest expense to average assets | 4.0024% | 283 |
| Loan and lease loss provision to assets | 0.2129% | 467 |
| Net operating income to assets | 0.6458% | 3,912 |
| Return on assets (ROA) | 0.7404% | 3,736 |
| Pretax return on assets | 0.7560% | 3,964 |
| Return on Equity (ROE) | 5.2554% | 4,074 |
| Retained earnings to average equity (ytd only) | 2.9912% | 3,912 |
| Net charge-offs to loans | 0.7224% | 106 |
| Credit loss provision to net charge-offs | 59.7260% | 1,805 |
| Earnings coverage of net charge-offs (x) | 2.4493% | 2,347 |
| Efficiency ratio | 81.8291% | 641 |
| Assets per employee ($millions) | 2.8421% | 4,780 |
| Cash dividends to net income (ytd only)* | 43.0830% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,809 |
| Loan loss allowance to noncurrent loans | 62.8067% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0753% | 588 |
| Noncurrent loans to loans | 1.9708% | 453 |
| Net loans and leases to total assets | 45.9850% | 3,799 |
| Net loans and leases to deposits | 53.4996% | 3,781 |
| Net loans and leases to core deposits | 57.5619% | 3,659 |
| Total domestic deposits to total assets | 85.9539% | 2,767 |
| Equity capital to assets | 13.6619% | 817 |
| Core capital (leverage) ratio | 13.0940% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,681,000 | 3,655 |
| Average earning assets | $117,458,250 | 3,758 |
| Average equity | $19,256,000 | 3,321 |
| Average total loans | $67,368,500 | 3,753 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 566 |
| Cost of funding earning assets | 0.3859% | 2,005 |
| Net interest margin | 4.2760% | 513 |
| Noninterest income to average assets | 1.3835% | 620 |
| Noninterest expense to average assets | 4.0037% | 292 |
| Loan and lease loss provision to assets | 0.1898% | 590 |
| Net operating income to assets | 0.8384% | 3,402 |
| Return on assets (ROA) | 0.9372% | 3,184 |
| Pretax return on assets | 0.9550% | 3,536 |
| Return on Equity (ROE) | 6.5822% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.3326% | 3,419 |
| Net charge-offs to loans | 0.5755% | 138 |
| Credit loss provision to net charge-offs | 65.6410% | 1,536 |
| Earnings coverage of net charge-offs (x) | 3.6103% | 2,066 |
| Efficiency ratio | 79.0541% | 843 |
| Assets per employee ($millions) | 2.8160% | 4,814 |
| Cash dividends to net income (ytd only)* | 34.1772% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,275 |
| Loan loss allowance to noncurrent loans | 64.8161% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1442% | 620 |
| Noncurrent loans to loans | 2.0562% | 465 |
| Net loans and leases to total assets | 47.2688% | 3,799 |
| Net loans and leases to deposits | 55.0270% | 3,794 |
| Net loans and leases to core deposits | 59.9996% | 3,619 |
| Total domestic deposits to total assets | 85.9012% | 2,773 |
| Equity capital to assets | 13.7352% | 767 |
| Core capital (leverage) ratio | 13.2733% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,873,667 | 3,688 |
| Average earning assets | $115,574,333 | 3,792 |
| Average equity | $19,203,333 | 3,319 |
| Average total loans | $67,769,667 | 3,767 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 523 |
| Cost of funding earning assets | 0.4052% | 2,055 |
| Net interest margin | 4.3503% | 473 |
| Noninterest income to average assets | 1.4222% | 661 |
| Noninterest expense to average assets | 4.1513% | 254 |
| Loan and lease loss provision to assets | 0.1152% | 1,191 |
| Net operating income to assets | 0.8495% | 3,272 |
| Return on assets (ROA) | 0.8703% | 3,291 |
| Pretax return on assets | 0.8885% | 3,630 |
| Return on Equity (ROE) | 5.9993% | 3,858 |
| Retained earnings to average equity (ytd only) | 3.8254% | 3,555 |
| Net charge-offs to loans | 0.3298% | 259 |
| Credit loss provision to net charge-offs | 67.8571% | 1,257 |
| Earnings coverage of net charge-offs (x) | 5.7857% | 1,668 |
| Efficiency ratio | 80.5670% | 788 |
| Assets per employee ($millions) | 2.6048% | 4,870 |
| Cash dividends to net income (ytd only)* | 36.2369% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,941 |
| Loan loss allowance to noncurrent loans | 138.8563% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6621% | 1,430 |
| Noncurrent loans to loans | 1.0108% | 1,322 |
| Net loans and leases to total assets | 48.1862% | 3,798 |
| Net loans and leases to deposits | 56.0760% | 3,784 |
| Net loans and leases to core deposits | 61.2443% | 3,627 |
| Total domestic deposits to total assets | 85.9301% | 2,759 |
| Equity capital to assets | 13.7062% | 739 |
| Core capital (leverage) ratio | 14.1904% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,911,000 | 3,714 |
| Average earning assets | $112,544,500 | 3,832 |
| Average equity | $19,135,500 | 3,317 |
| Average total loans | $67,928,000 | 3,776 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8090% | 724 |
| Cost of funding earning assets | 0.7420% | 1,498 |
| Net interest margin | 4.0670% | 840 |
| Noninterest income to average assets | 1.5092% | 534 |
| Noninterest expense to average assets | 4.1644% | 322 |
| Loan and lease loss provision to assets | 0.3879% | 827 |
| Net operating income to assets | 0.4715% | 4,089 |
| Return on assets (ROA) | 0.5810% | 3,915 |
| Pretax return on assets | 0.5946% | 4,092 |
| Return on Equity (ROE) | 3.8701% | 4,193 |
| Retained earnings to average equity (ytd only) | 1.9404% | 3,854 |
| Net charge-offs to loans | 0.7163% | 207 |
| Credit loss provision to net charge-offs | 95.2941% | 2,885 |
| Earnings coverage of net charge-offs (x) | 2.1392% | 3,195 |
| Efficiency ratio | 82.3585% | 725 |
| Assets per employee ($millions) | 2.3730% | 4,896 |
| Cash dividends to net income (ytd only)* | 49.8626% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 1,931 |
| Loan loss allowance to noncurrent loans | 111.3033% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 987 |
| Noncurrent loans to loans | 1.2678% | 1,082 |
| Net loans and leases to total assets | 53.6074% | 3,525 |
| Net loans and leases to deposits | 63.7153% | 3,461 |
| Net loans and leases to core deposits | 69.7860% | 3,267 |
| Total domestic deposits to total assets | 84.1359% | 3,073 |
| Equity capital to assets | 15.3847% | 504 |
| Core capital (leverage) ratio | 14.4453% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,298,800 | 3,681 |
| Average earning assets | $108,630,200 | 3,786 |
| Average equity | $18,810,800 | 3,298 |
| Average total loans | $71,197,200 | 3,707 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 724 |
| Cost of funding earning assets | 0.8008% | 1,495 |
| Net interest margin | 4.1056% | 889 |
| Noninterest income to average assets | 1.4741% | 538 |
| Noninterest expense to average assets | 4.1390% | 334 |
| Loan and lease loss provision to assets | 0.3938% | 909 |
| Net operating income to assets | 0.4850% | 4,075 |
| Return on assets (ROA) | 0.5965% | 3,877 |
| Pretax return on assets | 0.6231% | 4,066 |
| Return on Equity (ROE) | 3.9978% | 4,154 |
| Retained earnings to average equity (ytd only) | 1.9133% | 3,957 |
| Net charge-offs to loans | 0.6231% | 229 |
| Credit loss provision to net charge-offs | 110.1190% | 2,549 |
| Earnings coverage of net charge-offs (x) | 2.5179% | 2,982 |
| Efficiency ratio | 81.7625% | 739 |
| Assets per employee ($millions) | 2.3865% | 4,929 |
| Cash dividends to net income (ytd only)* | 52.1429% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,625 |
| Loan loss allowance to noncurrent loans | 77.7356% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.2239% | 807 |
| Noncurrent loans to loans | 1.8356% | 712 |
| Net loans and leases to total assets | 55.8747% | 3,634 |
| Net loans and leases to deposits | 66.4248% | 3,584 |
| Net loans and leases to core deposits | 75.0592% | 3,238 |
| Total domestic deposits to total assets | 84.1172% | 2,777 |
| Equity capital to assets | 15.1981% | 590 |
| Core capital (leverage) ratio | 14.4199% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,181,500 | 3,680 |
| Average earning assets | $108,725,750 | 3,780 |
| Average equity | $18,676,250 | 3,308 |
| Average total loans | $71,900,000 | 3,710 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0160% | 802 |
| Cost of funding earning assets | 0.8587% | 1,553 |
| Net interest margin | 4.1573% | 1,005 |
| Noninterest income to average assets | 1.4638% | 491 |
| Noninterest expense to average assets | 4.1299% | 356 |
| Loan and lease loss provision to assets | 0.4168% | 949 |
| Net operating income to assets | 0.5094% | 3,995 |
| Return on assets (ROA) | 0.6156% | 3,761 |
| Pretax return on assets | 0.6445% | 3,980 |
| Return on Equity (ROE) | 4.1527% | 4,063 |
| Retained earnings to average equity (ytd only) | 1.8276% | 3,816 |
| Net charge-offs to loans | 0.8698% | 176 |
| Credit loss provision to net charge-offs | 83.0671% | 2,493 |
| Earnings coverage of net charge-offs (x) | 1.8946% | 2,820 |
| Efficiency ratio | 80.8772% | 826 |
| Assets per employee ($millions) | 2.4905% | 4,956 |
| Cash dividends to net income (ytd only)* | 55.9896% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 1,973 |
| Loan loss allowance to noncurrent loans | 77.8886% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 1,283 |
| Noncurrent loans to loans | 1.6771% | 864 |
| Net loans and leases to total assets | 54.6653% | 3,820 |
| Net loans and leases to deposits | 64.5778% | 3,839 |
| Net loans and leases to core deposits | 68.9381% | 3,791 |
| Total domestic deposits to total assets | 84.6504% | 2,518 |
| Equity capital to assets | 14.7003% | 684 |
| Core capital (leverage) ratio | 14.1490% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,747,667 | 3,667 |
| Average earning assets | $108,532,667 | 3,761 |
| Average equity | $18,494,000 | 3,322 |
| Average total loans | $71,968,333 | 3,717 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 1,033 |
| Cost of funding earning assets | 0.9058% | 1,829 |
| Net interest margin | 4.0593% | 1,225 |
| Noninterest income to average assets | 1.5952% | 354 |
| Noninterest expense to average assets | 4.2985% | 368 |
| Loan and lease loss provision to assets | 0.2615% | 1,192 |
| Net operating income to assets | 0.5385% | 3,780 |
| Return on assets (ROA) | 0.6472% | 3,516 |
| Pretax return on assets | 0.6799% | 3,744 |
| Return on Equity (ROE) | 4.3464% | 3,857 |
| Retained earnings to average equity (ytd only) | 0.4171% | 3,899 |
| Net charge-offs to loans | 0.2109% | 662 |
| Credit loss provision to net charge-offs | 210.5263% | 1,391 |
| Earnings coverage of net charge-offs (x) | 6.6579% | 1,974 |
| Efficiency ratio | 82.9082% | 907 |
| Assets per employee ($millions) | 2.4578% | 4,973 |
| Cash dividends to net income (ytd only)* | 90.4040% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 1,590 |
| Loan loss allowance to noncurrent loans | 83.2795% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0595% | 1,232 |
| Noncurrent loans to loans | 1.7167% | 885 |
| Net loans and leases to total assets | 57.8454% | 3,682 |
| Net loans and leases to deposits | 68.5190% | 3,692 |
| Net loans and leases to core deposits | 73.4061% | 3,677 |
| Total domestic deposits to total assets | 84.4224% | 2,627 |
| Equity capital to assets | 14.7663% | 817 |
| Core capital (leverage) ratio | 14.7370% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7426% | 514 |
| Memoranda: | ||
| Average total assets | $122,367,500 | 3,674 |
| Average earning assets | $106,423,500 | 3,780 |
| Average equity | $18,222,000 | 3,350 |
| Average total loans | $72,086,000 | 3,725 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0862% | 1,246 |
| Cost of funding earning assets | 0.7974% | 2,695 |
| Net interest margin | 4.2889% | 1,111 |
| Noninterest income to average assets | 1.3002% | 558 |
| Noninterest expense to average assets | 4.0835% | 485 |
| Loan and lease loss provision to assets | 0.0981% | 2,092 |
| Net operating income to assets | 0.8326% | 3,442 |
| Return on assets (ROA) | 0.8471% | 3,486 |
| Pretax return on assets | 0.8762% | 3,807 |
| Return on Equity (ROE) | 5.7520% | 3,989 |
| Retained earnings to average equity (ytd only) | 3.5562% | 3,220 |
| Net charge-offs to loans | 0.1960% | 1,034 |
| Credit loss provision to net charge-offs | 83.6879% | 2,748 |
| Earnings coverage of net charge-offs (x) | 8.1844% | 2,796 |
| Efficiency ratio | 80.6792% | 885 |
| Assets per employee ($millions) | 2.4369% | 5,016 |
| Cash dividends to net income (ytd only)* | 38.1747% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 1,614 |
| Loan loss allowance to noncurrent loans | 110.3795% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 1,547 |
| Noncurrent loans to loans | 1.2435% | 1,207 |
| Net loans and leases to total assets | 58.3248% | 3,743 |
| Net loans and leases to deposits | 69.5644% | 3,706 |
| Net loans and leases to core deposits | 74.5789% | 3,670 |
| Total domestic deposits to total assets | 83.8429% | 2,895 |
| Equity capital to assets | 15.0172% | 789 |
| Core capital (leverage) ratio | 14.8855% | 711 |
| Tier 1 risk-based capital ratio | 23.2328% | 895 |
| Total risk-based capital ratio | 24.4827% | 876 |
| Memoranda: | ||
| Average total assets | $120,288,800 | 3,697 |
| Average earning assets | $104,969,600 | 3,793 |
| Average equity | $17,715,600 | 3,368 |
| Average total loans | $71,941,000 | 3,737 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0751% | 1,345 |
| Cost of funding earning assets | 0.7639% | 2,896 |
| Net interest margin | 4.3111% | 1,145 |
| Noninterest income to average assets | 1.1420% | 701 |
| Noninterest expense to average assets | 4.0288% | 512 |
| Loan and lease loss provision to assets | 0.0701% | 2,476 |
| Net operating income to assets | 0.7800% | 3,737 |
| Return on assets (ROA) | 0.7906% | 3,775 |
| Pretax return on assets | 0.8196% | 4,075 |
| Return on Equity (ROE) | 5.3954% | 4,218 |
| Retained earnings to average equity (ytd only) | 3.2934% | 3,764 |
| Net charge-offs to loans | -0.0315% | 4,712 |
| Credit loss provision to net charge-offs | -370.5882% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8264% | 769 |
| Assets per employee ($millions) | 2.4301% | 5,091 |
| Cash dividends to net income (ytd only)* | 38.9586% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 1,254 |
| Loan loss allowance to noncurrent loans | 169.3023% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 2,248 |
| Noncurrent loans to loans | 0.8848% | 1,813 |
| Net loans and leases to total assets | 59.0965% | 3,758 |
| Net loans and leases to deposits | 70.9294% | 3,696 |
| Net loans and leases to core deposits | 75.9477% | 3,701 |
| Total domestic deposits to total assets | 83.3173% | 3,058 |
| Equity capital to assets | 14.9173% | 864 |
| Core capital (leverage) ratio | 14.7686% | 795 |
| Tier 1 risk-based capital ratio | 23.0301% | 942 |
| Total risk-based capital ratio | 24.2817% | 924 |
| Memoranda: | ||
| Average total assets | $119,899,250 | 3,744 |
| Average earning assets | $104,718,250 | 3,835 |
| Average equity | $17,570,000 | 3,401 |
| Average total loans | $71,912,250 | 3,783 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0309% | 1,397 |
| Cost of funding earning assets | 0.7176% | 3,066 |
| Net interest margin | 4.3133% | 1,113 |
| Noninterest income to average assets | 1.1176% | 679 |
| Noninterest expense to average assets | 4.0280% | 517 |
| Loan and lease loss provision to assets | 0.0922% | 2,007 |
| Net operating income to assets | 0.7393% | 3,870 |
| Return on assets (ROA) | 0.7523% | 3,881 |
| Pretax return on assets | 0.7774% | 4,145 |
| Return on Equity (ROE) | 5.1654% | 4,303 |
| Retained earnings to average equity (ytd only) | 3.0026% | 3,715 |
| Net charge-offs to loans | 0.1648% | 971 |
| Credit loss provision to net charge-offs | 93.2203% | 2,098 |
| Earnings coverage of net charge-offs (x) | 8.6610% | 2,396 |
| Efficiency ratio | 82.1955% | 790 |
| Assets per employee ($millions) | 2.7503% | 5,040 |
| Cash dividends to net income (ytd only)* | 41.8708% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 1,709 |
| Loan loss allowance to noncurrent loans | 159.2417% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 2,280 |
| Noncurrent loans to loans | 0.8645% | 1,879 |
| Net loans and leases to total assets | 59.6741% | 3,769 |
| Net loans and leases to deposits | 71.8869% | 3,695 |
| Net loans and leases to core deposits | 75.1548% | 3,804 |
| Total domestic deposits to total assets | 83.0111% | 3,201 |
| Equity capital to assets | 14.8206% | 863 |
| Core capital (leverage) ratio | 14.8901% | 730 |
| Tier 1 risk-based capital ratio | 22.7207% | 970 |
| Total risk-based capital ratio | 23.9716% | 953 |
| Memoranda: | ||
| Average total assets | $119,364,670 | 3,776 |
| Average earning assets | $104,236,670 | 3,867 |
| Average equity | $17,385,000 | 3,426 |
| Average total loans | $71,584,330 | 3,807 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 1,490 |
| Cost of funding earning assets | 0.6885% | 3,110 |
| Net interest margin | 4.2547% | 1,184 |
| Noninterest income to average assets | 1.0899% | 676 |
| Noninterest expense to average assets | 4.0088% | 528 |
| Loan and lease loss provision to assets | 0.0472% | 2,700 |
| Net operating income to assets | 0.7255% | 3,855 |
| Return on assets (ROA) | 0.7255% | 3,903 |
| Pretax return on assets | 0.7457% | 4,182 |
| Return on Equity (ROE) | 5.0263% | 4,318 |
| Retained earnings to average equity (ytd only) | 2.3144% | 3,976 |
| Net charge-offs to loans | 0.0057% | 2,500 |
| Credit loss provision to net charge-offs | 1,400.0000% | 279 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 337 |
| Efficiency ratio | 83.2045% | 774 |
| Assets per employee ($millions) | 2.7334% | 5,103 |
| Cash dividends to net income (ytd only)* | 53.9535% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,565 |
| Loan loss allowance to noncurrent loans | 165.5897% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 2,473 |
| Noncurrent loans to loans | 0.8643% | 1,912 |
| Net loans and leases to total assets | 58.6968% | 3,813 |
| Net loans and leases to deposits | 70.5778% | 3,729 |
| Net loans and leases to core deposits | 73.7937% | 3,808 |
| Total domestic deposits to total assets | 83.1661% | 3,327 |
| Equity capital to assets | 14.4285% | 903 |
| Core capital (leverage) ratio | 14.7474% | 754 |
| Tier 1 risk-based capital ratio | 22.9310% | 942 |
| Total risk-based capital ratio | 24.1821% | 923 |
| Memoranda: | ||
| Average total assets | $118,540,000 | 3,831 |
| Average earning assets | $103,414,500 | 3,918 |
| Average equity | $17,110,000 | 3,468 |
| Average total loans | $70,765,500 | 3,851 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,952 |
| Cost of funding earning assets | 0.5732% | 2,899 |
| Net interest margin | 4.0880% | 1,718 |
| Noninterest income to average assets | 1.1358% | 712 |
| Noninterest expense to average assets | 3.7848% | 698 |
| Loan and lease loss provision to assets | 0.0474% | 3,238 |
| Net operating income to assets | 0.8677% | 3,546 |
| Return on assets (ROA) | 0.8780% | 3,498 |
| Pretax return on assets | 0.9196% | 3,844 |
| Return on Equity (ROE) | 6.3839% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.4821% | 3,669 |
| Net charge-offs to loans | 0.1699% | 1,131 |
| Credit loss provision to net charge-offs | 50.8929% | 3,176 |
| Earnings coverage of net charge-offs (x) | 10.2679% | 2,739 |
| Efficiency ratio | 79.5686% | 995 |
| Assets per employee ($millions) | 2.7812% | 5,102 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,458 |
| Loan loss allowance to noncurrent loans | 258.1633% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 3,088 |
| Noncurrent loans to loans | 0.5607% | 2,591 |
| Net loans and leases to total assets | 58.9842% | 3,874 |
| Net loans and leases to deposits | 71.4790% | 3,712 |
| Net loans and leases to core deposits | 75.4250% | 3,757 |
| Total domestic deposits to total assets | 82.5196% | 3,476 |
| Equity capital to assets | 14.4396% | 856 |
| Core capital (leverage) ratio | 14.7552% | 741 |
| Tier 1 risk-based capital ratio | 22.9768% | 924 |
| Total risk-based capital ratio | 24.2281% | 892 |
| Memoranda: | ||
| Average total assets | $120,271,600 | 3,779 |
| Average earning assets | $106,067,000 | 3,875 |
| Average equity | $16,541,600 | 3,456 |
| Average total loans | $65,928,000 | 3,967 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 2,078 |
| Cost of funding earning assets | 0.5397% | 2,934 |
| Net interest margin | 4.0274% | 1,863 |
| Noninterest income to average assets | 1.1480% | 711 |
| Noninterest expense to average assets | 3.6927% | 766 |
| Loan and lease loss provision to assets | 0.0517% | 2,951 |
| Net operating income to assets | 0.9230% | 3,417 |
| Return on assets (ROA) | 0.9389% | 3,356 |
| Pretax return on assets | 0.9763% | 3,792 |
| Return on Equity (ROE) | 6.9094% | 3,965 |
| Retained earnings to average equity (ytd only) | 4.0015% | 3,769 |
| Net charge-offs to loans | 0.0904% | 1,600 |
| Credit loss provision to net charge-offs | 106.8182% | 2,161 |
| Earnings coverage of net charge-offs (x) | 20.8846% | 1,939 |
| Efficiency ratio | 78.2171% | 1,098 |
| Assets per employee ($millions) | 2.8592% | 5,129 |
| Cash dividends to net income (ytd only)* | 42.0865% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,194 |
| Loan loss allowance to noncurrent loans | 303.9773% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 3,281 |
| Noncurrent loans to loans | 0.5095% | 2,859 |
| Net loans and leases to total assets | 55.3215% | 4,271 |
| Net loans and leases to deposits | 66.4501% | 4,164 |
| Net loans and leases to core deposits | 69.8894% | 4,198 |
| Total domestic deposits to total assets | 83.2527% | 3,218 |
| Equity capital to assets | 13.4190% | 1,165 |
| Core capital (leverage) ratio | 14.6612% | 787 |
| Tier 1 risk-based capital ratio | 22.4487% | 996 |
| Total risk-based capital ratio | 23.6998% | 972 |
| Memoranda: | ||
| Average total assets | $121,136,750 | 3,809 |
| Average earning assets | $106,964,000 | 3,900 |
| Average equity | $16,460,250 | 3,490 |
| Average total loans | $64,932,000 | 4,021 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 2,111 |
| Cost of funding earning assets | 0.5455% | 2,648 |
| Net interest margin | 3.9458% | 2,046 |
| Noninterest income to average assets | 1.0736% | 835 |
| Noninterest expense to average assets | 3.5990% | 868 |
| Loan and lease loss provision to assets | 0.0780% | 2,349 |
| Net operating income to assets | 0.8537% | 3,660 |
| Return on assets (ROA) | 0.8744% | 3,571 |
| Pretax return on assets | 0.9109% | 3,932 |
| Return on Equity (ROE) | 6.4082% | 4,097 |
| Retained earnings to average equity (ytd only) | 3.4412% | 3,859 |
| Net charge-offs to loans | 0.0850% | 1,485 |
| Credit loss provision to net charge-offs | 174.0741% | 1,432 |
| Earnings coverage of net charge-offs (x) | 21.5926% | 1,771 |
| Efficiency ratio | 78.5247% | 1,158 |
| Assets per employee ($millions) | 2.9074% | 5,158 |
| Cash dividends to net income (ytd only)* | 46.2998% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 1,015 |
| Loan loss allowance to noncurrent loans | 227.4059% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 2,630 |
| Noncurrent loans to loans | 0.7193% | 2,313 |
| Net loans and leases to total assets | 56.2093% | 4,148 |
| Net loans and leases to deposits | 68.5285% | 3,984 |
| Net loans and leases to core deposits | 70.7109% | 4,108 |
| Total domestic deposits to total assets | 82.0231% | 3,720 |
| Equity capital to assets | 14.1142% | 905 |
| Core capital (leverage) ratio | 14.5473% | 769 |
| Tier 1 risk-based capital ratio | 23.1646% | 918 |
| Total risk-based capital ratio | 24.4176% | 901 |
| Memoranda: | ||
| Average total assets | $120,534,000 | 3,850 |
| Average earning assets | $106,694,670 | 3,933 |
| Average equity | $16,447,670 | 3,512 |
| Average total loans | $63,547,670 | 4,082 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 2,714 |
| Cost of funding earning assets | 0.5445% | 2,450 |
| Net interest margin | 3.7043% | 2,778 |
| Noninterest income to average assets | 1.0599% | 816 |
| Noninterest expense to average assets | 3.3493% | 1,252 |
| Loan and lease loss provision to assets | 0.1533% | 1,181 |
| Net operating income to assets | 0.7817% | 3,783 |
| Return on assets (ROA) | 0.8251% | 3,621 |
| Pretax return on assets | 0.8642% | 3,964 |
| Return on Equity (ROE) | 6.1466% | 4,108 |
| Retained earnings to average equity (ytd only) | 1.7978% | 4,414 |
| Net charge-offs to loans | 0.2255% | 665 |
| Credit loss provision to net charge-offs | 134.2857% | 1,306 |
| Earnings coverage of net charge-offs (x) | 8.5143% | 2,027 |
| Efficiency ratio | 77.2075% | 1,433 |
| Assets per employee ($millions) | 3.0394% | 5,125 |
| Cash dividends to net income (ytd only)* | 70.7510% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7025% | 940 |
| Loan loss allowance to noncurrent loans | 106.7260% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9617% | 1,642 |
| Noncurrent loans to loans | 1.5952% | 1,089 |
| Net loans and leases to total assets | 52.5557% | 4,399 |
| Net loans and leases to deposits | 64.4000% | 4,187 |
| Net loans and leases to core deposits | 66.8929% | 4,261 |
| Total domestic deposits to total assets | 81.6083% | 4,062 |
| Equity capital to assets | 13.7425% | 969 |
| Core capital (leverage) ratio | 13.7580% | 930 |
| Tier 1 risk-based capital ratio | 23.3150% | 914 |
| Total risk-based capital ratio | 24.5675% | 889 |
| Memoranda: | ||
| Average total assets | $122,654,000 | 3,858 |
| Average earning assets | $107,982,500 | 3,948 |
| Average equity | $16,464,500 | 3,536 |
| Average total loans | $62,094,000 | 4,149 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 2,841 |
| Cost of funding earning assets | 0.5066% | 2,272 |
| Net interest margin | 3.6528% | 2,978 |
| Noninterest income to average assets | 1.0053% | 1,009 |
| Noninterest expense to average assets | 3.5073% | 1,020 |
| Loan and lease loss provision to assets | 0.0429% | 3,387 |
| Net operating income to assets | 0.6636% | 3,760 |
| Return on assets (ROA) | 0.7957% | 3,222 |
| Pretax return on assets | 0.8321% | 4,153 |
| Return on Equity (ROE) | 5.9089% | 3,799 |
| Retained earnings to average equity (ytd only) | 3.4444% | 3,222 |
| Net charge-offs to loans | 0.1554% | 1,561 |
| Credit loss provision to net charge-offs | 55.7895% | 3,263 |
| Earnings coverage of net charge-offs (x) | 9.5895% | 2,767 |
| Efficiency ratio | 82.3417% | 907 |
| Assets per employee ($millions) | 3.2505% | 4,988 |
| Cash dividends to net income (ytd only)* | 41.7091% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 850 |
| Loan loss allowance to noncurrent loans | 267.4185% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 3,335 |
| Noncurrent loans to loans | 0.6561% | 2,573 |
| Net loans and leases to total assets | 47.1275% | 4,822 |
| Net loans and leases to deposits | 56.9479% | 4,748 |
| Net loans and leases to core deposits | 58.9569% | 4,804 |
| Total domestic deposits to total assets | 82.7555% | 3,647 |
| Equity capital to assets | 13.1252% | 1,206 |
| Core capital (leverage) ratio | 13.7118% | 909 |
| Tier 1 risk-based capital ratio | 23.4940% | 858 |
| Total risk-based capital ratio | 24.7469% | 842 |
| Memoranda: | ||
| Average total assets | $123,543,000 | 3,843 |
| Average earning assets | $109,559,400 | 3,926 |
| Average equity | $16,635,800 | 3,521 |
| Average total loans | $61,143,200 | 4,176 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 2,790 |
| Cost of funding earning assets | 0.5103% | 2,186 |
| Net interest margin | 3.6403% | 2,996 |
| Noninterest income to average assets | 1.0374% | 942 |
| Noninterest expense to average assets | 3.5066% | 983 |
| Loan and lease loss provision to assets | 0.0576% | 2,933 |
| Net operating income to assets | 0.6877% | 4,036 |
| Return on assets (ROA) | 0.8669% | 3,241 |
| Pretax return on assets | 0.8973% | 4,053 |
| Return on Equity (ROE) | 6.3960% | 3,949 |
| Retained earnings to average equity (ytd only) | 4.3121% | 3,338 |
| Net charge-offs to loans | 0.2374% | 897 |
| Credit loss provision to net charge-offs | 48.6239% | 2,926 |
| Earnings coverage of net charge-offs (x) | 6.5046% | 2,979 |
| Efficiency ratio | 81.7120% | 940 |
| Assets per employee ($millions) | 3.2019% | 5,061 |
| Cash dividends to net income (ytd only)* | 32.5817% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 1,040 |
| Loan loss allowance to noncurrent loans | 440.5858% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 3,826 |
| Noncurrent loans to loans | 0.3853% | 3,573 |
| Net loans and leases to total assets | 50.1122% | 4,690 |
| Net loans and leases to deposits | 61.8350% | 4,519 |
| Net loans and leases to core deposits | 63.8849% | 4,610 |
| Total domestic deposits to total assets | 81.0418% | 4,034 |
| Equity capital to assets | 13.9143% | 1,020 |
| Core capital (leverage) ratio | 13.8225% | 938 |
| Tier 1 risk-based capital ratio | 23.3963% | 908 |
| Total risk-based capital ratio | 24.6484% | 890 |
| Memoranda: | ||
| Average total assets | $122,736,000 | 3,891 |
| Average earning assets | $109,218,750 | 3,972 |
| Average equity | $16,635,000 | 3,552 |
| Average total loans | $61,226,250 | 4,211 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 2,870 |
| Cost of funding earning assets | 0.5163% | 2,045 |
| Net interest margin | 3.5701% | 3,146 |
| Noninterest income to average assets | 0.9310% | 1,181 |
| Noninterest expense to average assets | 3.4203% | 1,127 |
| Loan and lease loss provision to assets | 0.0829% | 2,331 |
| Net operating income to assets | 0.5971% | 4,322 |
| Return on assets (ROA) | 0.7263% | 3,795 |
| Pretax return on assets | 0.7523% | 4,425 |
| Return on Equity (ROE) | 5.4062% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.3501% | 3,723 |
| Net charge-offs to loans | 0.3970% | 515 |
| Credit loss provision to net charge-offs | 42.1488% | 2,626 |
| Earnings coverage of net charge-offs (x) | 3.5702% | 3,029 |
| Efficiency ratio | 82.6567% | 946 |
| Assets per employee ($millions) | 3.0870% | 5,198 |
| Cash dividends to net income (ytd only)* | 38.0313% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 1,079 |
| Loan loss allowance to noncurrent loans | 178.2161% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 2,808 |
| Noncurrent loans to loans | 0.9473% | 2,063 |
| Net loans and leases to total assets | 49.0023% | 4,764 |
| Net loans and leases to deposits | 60.4182% | 4,595 |
| Net loans and leases to core deposits | 62.2180% | 4,705 |
| Total domestic deposits to total assets | 81.1051% | 4,158 |
| Equity capital to assets | 13.6931% | 1,070 |
| Core capital (leverage) ratio | 13.3890% | 1,024 |
| Tier 1 risk-based capital ratio | 23.2686% | 915 |
| Total risk-based capital ratio | 24.5213% | 904 |
| Memoranda: | ||
| Average total assets | $123,090,330 | 3,909 |
| Average earning assets | $110,024,000 | 3,974 |
| Average equity | $16,536,670 | 3,575 |
| Average total loans | $60,959,670 | 4,242 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 2,866 |
| Cost of funding earning assets | 0.5118% | 1,995 |
| Net interest margin | 3.5352% | 3,148 |
| Noninterest income to average assets | 0.9048% | 1,222 |
| Noninterest expense to average assets | 3.2808% | 1,425 |
| Loan and lease loss provision to assets | 0.0684% | 2,442 |
| Net operating income to assets | 0.6969% | 3,725 |
| Return on assets (ROA) | 0.7063% | 3,716 |
| Pretax return on assets | 0.7356% | 4,327 |
| Return on Equity (ROE) | 5.3085% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.5687% | 4,109 |
| Net charge-offs to loans | 0.7714% | 219 |
| Credit loss provision to net charge-offs | 17.9487% | 2,181 |
| Earnings coverage of net charge-offs (x) | 2.0855% | 2,642 |
| Efficiency ratio | 80.1917% | 1,361 |
| Assets per employee ($millions) | 3.1851% | 5,182 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 1,275 |
| Loan loss allowance to noncurrent loans | 201.3917% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 3,113 |
| Noncurrent loans to loans | 0.8144% | 2,413 |
| Net loans and leases to total assets | 48.9084% | 4,757 |
| Net loans and leases to deposits | 60.1698% | 4,554 |
| Net loans and leases to core deposits | 62.3674% | 4,628 |
| Total domestic deposits to total assets | 81.2840% | 4,350 |
| Equity capital to assets | 13.2966% | 1,150 |
| Core capital (leverage) ratio | 13.1592% | 1,080 |
| Tier 1 risk-based capital ratio | 22.7931% | 1,001 |
| Total risk-based capital ratio | 24.0457% | 981 |
| Memoranda: | ||
| Average total assets | $122,896,500 | 3,953 |
| Average earning assets | $110,205,500 | 4,013 |
| Average equity | $16,351,000 | 3,620 |
| Average total loans | $60,666,500 | 4,281 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 2,591 |
| Cost of funding earning assets | 0.5156% | 1,976 |
| Net interest margin | 3.6533% | 2,875 |
| Noninterest income to average assets | 0.7729% | 1,865 |
| Noninterest expense to average assets | 3.2454% | 1,693 |
| Loan and lease loss provision to assets | 0.0794% | 2,781 |
| Net operating income to assets | 0.7016% | 3,775 |
| Return on assets (ROA) | 0.8382% | 3,227 |
| Pretax return on assets | 0.8779% | 3,920 |
| Return on Equity (ROE) | 6.0865% | 3,936 |
| Retained earnings to average equity (ytd only) | 3.5295% | 3,422 |
| Net charge-offs to loans | 0.3331% | 827 |
| Credit loss provision to net charge-offs | 50.0000% | 3,375 |
| Earnings coverage of net charge-offs (x) | 5.1250% | 3,388 |
| Efficiency ratio | 79.5316% | 1,479 |
| Assets per employee ($millions) | 3.5757% | 4,646 |
| Cash dividends to net income (ytd only)* | 42.0118% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 859 |
| Loan loss allowance to noncurrent loans | 168.2853% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 2,816 |
| Noncurrent loans to loans | 1.1063% | 1,871 |
| Net loans and leases to total assets | 48.0839% | 4,891 |
| Net loans and leases to deposits | 59.3930% | 4,717 |
| Net loans and leases to core deposits | 61.4057% | 4,782 |
| Total domestic deposits to total assets | 80.9588% | 4,345 |
| Equity capital to assets | 13.3130% | 1,127 |
| Core capital (leverage) ratio | 13.3977% | 1,005 |
| Tier 1 risk-based capital ratio | 23.4896% | 917 |
| Total risk-based capital ratio | 24.7434% | 906 |
| Memoranda: | ||
| Average total assets | $120,971,600 | 3,976 |
| Average earning assets | $108,806,200 | 4,027 |
| Average equity | $16,659,800 | 3,597 |
| Average total loans | $57,639,400 | 4,357 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 2,909 |
| Cost of funding earning assets | 0.5144% | 1,981 |
| Net interest margin | 3.5763% | 3,175 |
| Noninterest income to average assets | 0.7239% | 2,064 |
| Noninterest expense to average assets | 3.1594% | 1,878 |
| Loan and lease loss provision to assets | 0.0828% | 2,552 |
| Net operating income to assets | 0.6796% | 3,966 |
| Return on assets (ROA) | 0.8619% | 3,221 |
| Pretax return on assets | 0.8939% | 3,998 |
| Return on Equity (ROE) | 6.2062% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.8700% | 3,546 |
| Net charge-offs to loans | 0.2053% | 1,142 |
| Credit loss provision to net charge-offs | 85.2273% | 2,603 |
| Earnings coverage of net charge-offs (x) | 8.1023% | 2,812 |
| Efficiency ratio | 79.6421% | 1,480 |
| Assets per employee ($millions) | 3.7212% | 4,433 |
| Cash dividends to net income (ytd only)* | 37.6439% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0240% | 698 |
| Loan loss allowance to noncurrent loans | 136.3844% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.8184% | 2,502 |
| Noncurrent loans to loans | 1.4840% | 1,455 |
| Net loans and leases to total assets | 46.9874% | 5,018 |
| Net loans and leases to deposits | 58.5072% | 4,848 |
| Net loans and leases to core deposits | 60.4820% | 4,905 |
| Total domestic deposits to total assets | 80.3104% | 4,436 |
| Equity capital to assets | 13.9885% | 1,034 |
| Core capital (leverage) ratio | 13.4636% | 1,014 |
| Tier 1 risk-based capital ratio | 22.7709% | 1,032 |
| Total risk-based capital ratio | 24.0258% | 1,020 |
| Memoranda: | ||
| Average total assets | $120,821,250 | 4,000 |
| Average earning assets | $108,862,500 | 4,054 |
| Average equity | $16,778,500 | 3,609 |
| Average total loans | $57,157,750 | 4,401 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 2,933 |
| Cost of funding earning assets | 0.5084% | 2,039 |
| Net interest margin | 3.5737% | 3,196 |
| Noninterest income to average assets | 0.6724% | 2,261 |
| Noninterest expense to average assets | 3.1308% | 1,976 |
| Loan and lease loss provision to assets | 0.0732% | 2,675 |
| Net operating income to assets | 0.6810% | 3,892 |
| Return on assets (ROA) | 0.7673% | 3,607 |
| Pretax return on assets | 0.7989% | 4,282 |
| Return on Equity (ROE) | 5.5391% | 4,270 |
| Retained earnings to average equity (ytd only) | 3.2321% | 3,833 |
| Net charge-offs to loans | 0.4525% | 497 |
| Credit loss provision to net charge-offs | 34.3750% | 2,820 |
| Earnings coverage of net charge-offs (x) | 3.6719% | 3,077 |
| Efficiency ratio | 79.4981% | 1,562 |
| Assets per employee ($millions) | 4.2944% | 3,384 |
| Cash dividends to net income (ytd only)* | 41.6486% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9143% | 869 |
| Loan loss allowance to noncurrent loans | 198.4071% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 3,018 |
| Noncurrent loans to loans | 0.9648% | 2,349 |
| Net loans and leases to total assets | 47.7691% | 5,008 |
| Net loans and leases to deposits | 59.7011% | 4,815 |
| Net loans and leases to core deposits | 61.7657% | 4,898 |
| Total domestic deposits to total assets | 80.0138% | 4,543 |
| Equity capital to assets | 14.2187% | 954 |
| Core capital (leverage) ratio | 13.2454% | 1,069 |
| Tier 1 risk-based capital ratio | 22.8062% | 1,037 |
| Total risk-based capital ratio | 24.0612% | 1,021 |
| Memoranda: | ||
| Average total assets | $120,161,330 | 4,042 |
| Average earning assets | $108,962,670 | 4,084 |
| Average equity | $16,645,330 | 3,636 |
| Average total loans | $56,579,330 | 4,457 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 3,103 |
| Cost of funding earning assets | 0.5004% | 2,100 |
| Net interest margin | 3.5321% | 3,352 |
| Noninterest income to average assets | 0.6061% | 2,494 |
| Noninterest expense to average assets | 3.1002% | 2,101 |
| Loan and lease loss provision to assets | 0.0266% | 3,318 |
| Net operating income to assets | 0.6484% | 3,982 |
| Return on assets (ROA) | 0.7859% | 3,423 |
| Pretax return on assets | 0.8192% | 4,138 |
| Return on Equity (ROE) | 5.7493% | 4,102 |
| Retained earnings to average equity (ytd only) | 2.6554% | 4,184 |
| Net charge-offs to loans | 0.0360% | 2,257 |
| Credit loss provision to net charge-offs | 160.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 42.2000% | 982 |
| Efficiency ratio | 81.0858% | 1,477 |
| Assets per employee ($millions) | 4.2957% | 3,415 |
| Cash dividends to net income (ytd only)* | 53.8136% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1274% | 656 |
| Loan loss allowance to noncurrent loans | 129.0598% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 2,214 |
| Noncurrent loans to loans | 1.6484% | 1,377 |
| Net loans and leases to total assets | 46.2047% | 5,100 |
| Net loans and leases to deposits | 57.4930% | 4,888 |
| Net loans and leases to core deposits | 59.7838% | 4,955 |
| Total domestic deposits to total assets | 80.3658% | 4,666 |
| Equity capital to assets | 13.8219% | 1,047 |
| Core capital (leverage) ratio | 13.2953% | 1,054 |
| Tier 1 risk-based capital ratio | 24.1336% | 901 |
| Total risk-based capital ratio | 25.3909% | 884 |
| Memoranda: | ||
| Average total assets | $120,120,500 | 4,067 |
| Average earning assets | $108,716,000 | 4,111 |
| Average equity | $16,419,500 | 3,672 |
| Average total loans | $55,589,000 | 4,508 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 3,015 |
| Cost of funding earning assets | 0.4973% | 2,179 |
| Net interest margin | 3.5802% | 3,207 |
| Noninterest income to average assets | 0.3387% | 4,485 |
| Noninterest expense to average assets | 2.7758% | 3,328 |
| Loan and lease loss provision to assets | 0.1023% | 2,278 |
| Net operating income to assets | 0.6987% | 3,814 |
| Return on assets (ROA) | 0.8082% | 3,382 |
| Pretax return on assets | 0.8400% | 4,064 |
| Return on Equity (ROE) | 5.9941% | 4,032 |
| Retained earnings to average equity (ytd only) | 2.3628% | 4,375 |
| Net charge-offs to loans | 0.4063% | 702 |
| Credit loss provision to net charge-offs | 56.2212% | 3,310 |
| Earnings coverage of net charge-offs (x) | 4.5530% | 3,533 |
| Efficiency ratio | 76.5062% | 2,191 |
| Assets per employee ($millions) | 4.2831% | 3,425 |
| Cash dividends to net income (ytd only)* | 60.5809% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2153% | 580 |
| Loan loss allowance to noncurrent loans | 155.4839% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 2,415 |
| Noncurrent loans to loans | 1.4248% | 1,632 |
| Net loans and leases to total assets | 44.3516% | 5,259 |
| Net loans and leases to deposits | 55.0570% | 5,108 |
| Net loans and leases to core deposits | 57.1100% | 5,149 |
| Total domestic deposits to total assets | 80.5558% | 4,595 |
| Equity capital to assets | 13.5198% | 1,119 |
| Core capital (leverage) ratio | 13.4917% | 971 |
| Tier 1 risk-based capital ratio | 24.9324% | 821 |
| Total risk-based capital ratio | 26.1909% | 807 |
| Memoranda: | ||
| Average total assets | $119,280,400 | 4,080 |
| Average earning assets | $108,792,400 | 4,084 |
| Average equity | $16,082,600 | 3,664 |
| Average total loans | $53,409,200 | 4,568 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 3,011 |
| Cost of funding earning assets | 0.4938% | 2,279 |
| Net interest margin | 3.5882% | 3,206 |
| Noninterest income to average assets | 0.3257% | 4,610 |
| Noninterest expense to average assets | 2.7714% | 3,302 |
| Loan and lease loss provision to assets | 0.1254% | 1,803 |
| Net operating income to assets | 0.6933% | 3,929 |
| Return on assets (ROA) | 0.8384% | 3,312 |
| Pretax return on assets | 0.8742% | 4,072 |
| Return on Equity (ROE) | 6.2222% | 4,043 |
| Retained earnings to average equity (ytd only) | 2.2014% | 4,781 |
| Net charge-offs to loans | 0.4740% | 523 |
| Credit loss provision to net charge-offs | 59.2593% | 2,913 |
| Earnings coverage of net charge-offs (x) | 4.0106% | 3,417 |
| Efficiency ratio | 76.2523% | 2,205 |
| Assets per employee ($millions) | 4.3136% | 3,302 |
| Cash dividends to net income (ytd only)* | 64.6199% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2442% | 621 |
| Loan loss allowance to noncurrent loans | 214.5614% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 2,926 |
| Noncurrent loans to loans | 1.0459% | 2,387 |
| Net loans and leases to total assets | 45.7405% | 5,247 |
| Net loans and leases to deposits | 57.3105% | 5,052 |
| Net loans and leases to core deposits | 59.5316% | 5,097 |
| Total domestic deposits to total assets | 79.8116% | 4,790 |
| Equity capital to assets | 13.8879% | 1,069 |
| Core capital (leverage) ratio | 13.3118% | 1,090 |
| Tier 1 risk-based capital ratio | 25.4016% | 819 |
| Total risk-based capital ratio | 26.6613% | 800 |
| Memoranda: | ||
| Average total assets | $119,118,500 | 4,131 |
| Average earning assets | $109,356,250 | 4,125 |
| Average equity | $16,049,750 | 3,703 |
| Average total loans | $53,162,750 | 4,628 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 2,978 |
| Cost of funding earning assets | 0.4854% | 2,385 |
| Net interest margin | 3.5926% | 3,119 |
| Noninterest income to average assets | 0.2950% | 4,848 |
| Noninterest expense to average assets | 2.6966% | 3,604 |
| Loan and lease loss provision to assets | 0.1867% | 1,078 |
| Net operating income to assets | 0.6900% | 3,938 |
| Return on assets (ROA) | 0.8517% | 3,224 |
| Pretax return on assets | 0.8700% | 4,069 |
| Return on Equity (ROE) | 6.3843% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.1859% | 4,022 |
| Net charge-offs to loans | 0.4780% | 530 |
| Credit loss provision to net charge-offs | 88.8889% | 2,215 |
| Earnings coverage of net charge-offs (x) | 4.2460% | 3,073 |
| Efficiency ratio | 74.8258% | 2,561 |
| Assets per employee ($millions) | 4.4043% | 3,131 |
| Cash dividends to net income (ytd only)* | 50.0978% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4066% | 544 |
| Loan loss allowance to noncurrent loans | 131.8974% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 2,569 |
| Noncurrent loans to loans | 1.8246% | 1,390 |
| Net loans and leases to total assets | 43.8553% | 5,387 |
| Net loans and leases to deposits | 54.4243% | 5,228 |
| Net loans and leases to core deposits | 56.8335% | 5,265 |
| Total domestic deposits to total assets | 80.5804% | 4,722 |
| Equity capital to assets | 13.2867% | 1,262 |
| Core capital (leverage) ratio | 13.0598% | 1,143 |
| Tier 1 risk-based capital ratio | 25.3078% | 832 |
| Total risk-based capital ratio | 26.5680% | 820 |
| Memoranda: | ||
| Average total assets | $120,002,000 | 4,155 |
| Average earning assets | $110,004,330 | 4,156 |
| Average equity | $16,008,000 | 3,727 |
| Average total loans | $52,718,330 | 4,679 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 3,349 |
| Cost of funding earning assets | 0.4762% | 2,491 |
| Net interest margin | 3.4921% | 3,469 |
| Noninterest income to average assets | 0.3086% | 4,718 |
| Noninterest expense to average assets | 2.6214% | 3,856 |
| Loan and lease loss provision to assets | 0.0830% | 2,314 |
| Net operating income to assets | 0.8163% | 3,179 |
| Return on assets (ROA) | 0.8296% | 3,242 |
| Pretax return on assets | 0.8296% | 4,129 |
| Return on Equity (ROE) | 6.2066% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.2066% | 2,376 |
| Net charge-offs to loans | 0.4202% | 583 |
| Credit loss provision to net charge-offs | 45.4545% | 2,139 |
| Earnings coverage of net charge-offs (x) | 4.9273% | 2,435 |
| Efficiency ratio | 74.1753% | 2,789 |
| Assets per employee ($millions) | 4.3609% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3702% | 647 |
| Loan loss allowance to noncurrent loans | 197.2050% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 3,289 |
| Noncurrent loans to loans | 1.2019% | 2,369 |
| Net loans and leases to total assets | 42.8413% | 5,433 |
| Net loans and leases to deposits | 52.9228% | 5,273 |
| Net loans and leases to core deposits | 56.0381% | 5,248 |
| Total domestic deposits to total assets | 80.9507% | 4,833 |
| Equity capital to assets | 13.4394% | 1,196 |
| Core capital (leverage) ratio | 12.8949% | 1,192 |
| Tier 1 risk-based capital ratio | 25.3036% | 855 |
| Total risk-based capital ratio | 26.5632% | 836 |
| Memoranda: | ||
| Average total assets | $120,545,000 | 4,177 |
| Average earning assets | $110,878,000 | 4,160 |
| Average equity | $16,112,000 | 3,731 |
| Average total loans | $52,359,000 | 4,722 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 3,224 |
| Cost of funding earning assets | 0.4803% | 2,877 |
| Net interest margin | 3.6445% | 3,237 |
| Noninterest income to average assets | 0.2623% | 5,258 |
| Noninterest expense to average assets | 2.8115% | 3,433 |
| Loan and lease loss provision to assets | 0.1839% | 1,397 |
| Net operating income to assets | 0.6097% | 4,322 |
| Return on assets (ROA) | 0.6350% | 4,315 |
| Pretax return on assets | 0.6598% | 4,759 |
| Return on Equity (ROE) | 5.1963% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.0153% | 3,350 |
| Net charge-offs to loans | 0.4543% | 926 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 4.4439% | 3,648 |
| Efficiency ratio | 77.1818% | 2,329 |
| Assets per employee ($millions) | 4.2495% | 3,455 |
| Cash dividends to net income (ytd only)* | 22.7273% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5422% | 523 |
| Loan loss allowance to noncurrent loans | 187.3199% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 3,125 |
| Noncurrent loans to loans | 1.3571% | 2,168 |
| Net loans and leases to total assets | 41.8848% | 5,628 |
| Net loans and leases to deposits | 50.9326% | 5,537 |
| Net loans and leases to core deposits | 54.3574% | 5,482 |
| Total domestic deposits to total assets | 82.2357% | 4,332 |
| Equity capital to assets | 13.2906% | 1,231 |
| Core capital (leverage) ratio | 12.8879% | 1,180 |
| Tier 1 risk-based capital ratio | 24.5288% | 889 |
| Total risk-based capital ratio | 25.7885% | 869 |
| Memoranda: | ||
| Average total assets | $121,253,200 | 4,155 |
| Average earning assets | $112,003,800 | 4,135 |
| Average equity | $14,818,200 | 3,874 |
| Average total loans | $49,084,800 | 4,850 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1527% | 3,162 |
| Cost of funding earning assets | 0.4877% | 2,885 |
| Net interest margin | 3.6651% | 3,170 |
| Noninterest income to average assets | 0.2539% | 5,399 |
| Noninterest expense to average assets | 2.7887% | 3,502 |
| Loan and lease loss provision to assets | 0.2244% | 1,013 |
| Net operating income to assets | 0.6217% | 4,343 |
| Return on assets (ROA) | 0.6567% | 4,285 |
| Pretax return on assets | 0.6567% | 4,856 |
| Return on Equity (ROE) | 5.4909% | 4,494 |
| Retained earnings to average equity (ytd only) | 5.4909% | 2,761 |
| Net charge-offs to loans | 0.5627% | 672 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 3.7707% | 3,594 |
| Efficiency ratio | 76.4228% | 2,426 |
| Assets per employee ($millions) | 4.4797% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5253% | 630 |
| Loan loss allowance to noncurrent loans | 229.2769% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 3,884 |
| Noncurrent loans to loans | 1.1014% | 2,863 |
| Net loans and leases to total assets | 41.4879% | 5,718 |
| Net loans and leases to deposits | 50.0988% | 5,644 |
| Net loans and leases to core deposits | 53.3223% | 5,605 |
| Total domestic deposits to total assets | 82.8120% | 4,203 |
| Equity capital to assets | 12.7481% | 1,557 |
| Core capital (leverage) ratio | 12.6806% | 1,315 |
| Tier 1 risk-based capital ratio | 24.3657% | 946 |
| Total risk-based capital ratio | 25.6264% | 924 |
| Memoranda: | ||
| Average total assets | $121,820,000 | 4,184 |
| Average earning assets | $112,372,750 | 4,159 |
| Average equity | $14,569,250 | 3,936 |
| Average total loans | $48,571,750 | 4,916 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 3,068 |
| Cost of funding earning assets | 0.4943% | 2,890 |
| Net interest margin | 3.6768% | 3,042 |
| Noninterest income to average assets | 0.2195% | 5,639 |
| Noninterest expense to average assets | 2.7434% | 3,719 |
| Loan and lease loss provision to assets | 0.2129% | 1,107 |
| Net operating income to assets | 0.6502% | 4,097 |
| Return on assets (ROA) | 0.6617% | 4,133 |
| Pretax return on assets | 0.6617% | 4,762 |
| Return on Equity (ROE) | 5.6559% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.6559% | 2,540 |
| Net charge-offs to loans | 0.5378% | 756 |
| Credit loss provision to net charge-offs | 101.5625% | 1,955 |
| Earnings coverage of net charge-offs (x) | 4.1172% | 3,170 |
| Efficiency ratio | 75.7493% | 2,678 |
| Assets per employee ($millions) | 4.3735% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6087% | 602 |
| Loan loss allowance to noncurrent loans | 200.6163% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.7260% | 3,804 |
| Noncurrent loans to loans | 1.3003% | 2,638 |
| Net loans and leases to total assets | 39.6939% | 5,843 |
| Net loans and leases to deposits | 47.6050% | 5,792 |
| Net loans and leases to core deposits | 50.8734% | 5,742 |
| Total domestic deposits to total assets | 83.3819% | 4,162 |
| Equity capital to assets | 12.3055% | 1,771 |
| Core capital (leverage) ratio | 12.3490% | 1,473 |
| Tier 1 risk-based capital ratio | 24.4888% | 933 |
| Total risk-based capital ratio | 25.7500% | 911 |
| Memoranda: | ||
| Average total assets | $122,109,670 | 4,193 |
| Average earning assets | $112,489,000 | 4,176 |
| Average equity | $14,286,000 | 3,986 |
| Average total loans | $47,602,330 | 4,981 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 2,206 |
| Cost of funding earning assets | 0.5074% | 2,825 |
| Net interest margin | 3.8753% | 2,176 |
| Noninterest income to average assets | 0.1345% | 6,177 |
| Noninterest expense to average assets | 2.6735% | 4,022 |
| Loan and lease loss provision to assets | 0.3772% | 449 |
| Net operating income to assets | 0.6167% | 4,116 |
| Return on assets (ROA) | 0.6397% | 4,089 |
| Pretax return on assets | 0.6397% | 4,694 |
| Return on Equity (ROE) | 5.6137% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.6137% | 2,730 |
| Net charge-offs to loans | 0.8784% | 397 |
| Credit loss provision to net charge-offs | 112.7451% | 1,518 |
| Earnings coverage of net charge-offs (x) | 2.9706% | 2,758 |
| Efficiency ratio | 72.6297% | 3,371 |
| Assets per employee ($millions) | 4.4098% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7795% | 560 |
| Loan loss allowance to noncurrent loans | 130.6468% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.0164% | 3,223 |
| Noncurrent loans to loans | 2.1275% | 1,724 |
| Net loans and leases to total assets | 37.1946% | 6,006 |
| Net loans and leases to deposits | 44.1681% | 5,968 |
| Net loans and leases to core deposits | 47.2611% | 5,917 |
| Total domestic deposits to total assets | 84.2114% | 4,205 |
| Equity capital to assets | 11.5683% | 2,186 |
| Core capital (leverage) ratio | 12.1028% | 1,597 |
| Tier 1 risk-based capital ratio | 24.3895% | 949 |
| Total risk-based capital ratio | 25.6503% | 935 |
| Memoranda: | ||
| Average total assets | $121,936,000 | 4,233 |
| Average earning assets | $111,165,000 | 4,242 |
| Average equity | $13,894,500 | 4,064 |
| Average total loans | $46,448,500 | 5,065 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 4,293 |
| Cost of funding earning assets | 0.5729% | 2,898 |
| Net interest margin | 3.3742% | 4,386 |
| Noninterest income to average assets | 0.2761% | 5,381 |
| Noninterest expense to average assets | 2.6743% | 4,198 |
| Loan and lease loss provision to assets | 0.5688% | 456 |
| Net operating income to assets | 0.1119% | 6,018 |
| Return on assets (ROA) | 0.1388% | 6,028 |
| Pretax return on assets | 0.1388% | 6,031 |
| Return on Equity (ROE) | 1.2115% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.2115% | 5,287 |
| Net charge-offs to loans | 2.0981% | 168 |
| Credit loss provision to net charge-offs | 76.0339% | 3,138 |
| Earnings coverage of net charge-offs (x) | 0.9099% | 4,781 |
| Efficiency ratio | 79.6169% | 2,217 |
| Assets per employee ($millions) | 4.2999% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8473% | 559 |
| Loan loss allowance to noncurrent loans | 80.5452% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.5989% | 2,325 |
| Noncurrent loans to loans | 3.5350% | 877 |
| Net loans and leases to total assets | 36.8431% | 6,164 |
| Net loans and leases to deposits | 43.6105% | 6,139 |
| Net loans and leases to core deposits | 46.8806% | 6,102 |
| Total domestic deposits to total assets | 84.4822% | 3,972 |
| Equity capital to assets | 11.2171% | 2,416 |
| Core capital (leverage) ratio | 12.0461% | 1,572 |
| Tier 1 risk-based capital ratio | 24.6559% | 893 |
| Total risk-based capital ratio | 25.9175% | 877 |
| Memoranda: | ||
| Average total assets | $126,052,600 | 4,141 |
| Average earning assets | $115,019,600 | 4,162 |
| Average equity | $14,445,400 | 3,980 |
| Average total loans | $44,944,400 | 5,151 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 4,851 |
| Cost of funding earning assets | 0.5918% | 2,881 |
| Net interest margin | 3.2102% | 4,965 |
| Noninterest income to average assets | 0.2552% | 5,614 |
| Noninterest expense to average assets | 2.4550% | 4,862 |
| Loan and lease loss provision to assets | 0.6339% | 365 |
| Net operating income to assets | 0.0941% | 6,152 |
| Return on assets (ROA) | 0.1297% | 6,145 |
| Pretax return on assets | 0.1297% | 6,173 |
| Return on Equity (ROE) | 1.1262% | 6,153 |
| Retained earnings to average equity (ytd only) | 1.1262% | 5,529 |
| Net charge-offs to loans | 2.1266% | 168 |
| Credit loss provision to net charge-offs | 84.8739% | 2,732 |
| Earnings coverage of net charge-offs (x) | 0.9748% | 4,521 |
| Efficiency ratio | 77.0950% | 2,545 |
| Assets per employee ($millions) | 4.3613% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0271% | 540 |
| Loan loss allowance to noncurrent loans | 52.6355% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 2.5713% | 1,481 |
| Noncurrent loans to loans | 5.7510% | 459 |
| Net loans and leases to total assets | 37.1994% | 6,210 |
| Net loans and leases to deposits | 43.8818% | 6,205 |
| Net loans and leases to core deposits | 47.1249% | 6,160 |
| Total domestic deposits to total assets | 84.7717% | 3,849 |
| Equity capital to assets | 10.9536% | 2,803 |
| Core capital (leverage) ratio | 11.8528% | 1,768 |
| Tier 1 risk-based capital ratio | 24.1010% | 990 |
| Total risk-based capital ratio | 25.3650% | 967 |
| Memoranda: | ||
| Average total assets | $127,466,500 | 4,170 |
| Average earning assets | $116,252,500 | 4,170 |
| Average equity | $14,680,500 | 3,972 |
| Average total loans | $44,766,000 | 5,209 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 4,858 |
| Cost of funding earning assets | 0.6165% | 2,795 |
| Net interest margin | 3.1742% | 5,032 |
| Noninterest income to average assets | 0.2940% | 5,350 |
| Noninterest expense to average assets | 2.4356% | 4,943 |
| Loan and lease loss provision to assets | 0.8851% | 222 |
| Net operating income to assets | -0.1424% | 6,447 |
| Return on assets (ROA) | -0.1207% | 6,470 |
| Pretax return on assets | -0.1207% | 6,441 |
| Return on Equity (ROE) | -1.0321% | 6,460 |
| Retained earnings to average equity (ytd only) | -1.0321% | 6,060 |
| Net charge-offs to loans | 2.7500% | 122 |
| Credit loss provision to net charge-offs | 94.3894% | 2,348 |
| Earnings coverage of net charge-offs (x) | 0.7921% | 4,264 |
| Efficiency ratio | 76.6310% | 2,696 |
| Assets per employee ($millions) | 4.6384% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5263% | 357 |
| Loan loss allowance to noncurrent loans | 44.7645% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 3.2331% | 1,226 |
| Noncurrent loans to loans | 7.8774% | 264 |
| Net loans and leases to total assets | 32.5937% | 6,480 |
| Net loans and leases to deposits | 38.4367% | 6,468 |
| Net loans and leases to core deposits | 41.6274% | 6,417 |
| Total domestic deposits to total assets | 84.7983% | 3,993 |
| Equity capital to assets | 11.0639% | 2,695 |
| Core capital (leverage) ratio | 11.4505% | 1,978 |
| Tier 1 risk-based capital ratio | 24.7306% | 901 |
| Total risk-based capital ratio | 25.9963% | 886 |
| Memoranda: | ||
| Average total assets | $129,250,330 | 4,154 |
| Average earning assets | $117,445,670 | 4,169 |
| Average equity | $15,115,330 | 3,922 |
| Average total loans | $44,073,330 | 5,264 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 4,050 |
| Cost of funding earning assets | 0.6565% | 2,596 |
| Net interest margin | 3.3601% | 4,273 |
| Noninterest income to average assets | 0.2926% | 5,371 |
| Noninterest expense to average assets | 2.3008% | 5,420 |
| Loan and lease loss provision to assets | 0.8594% | 243 |
| Net operating income to assets | 0.1585% | 6,012 |
| Return on assets (ROA) | 0.1585% | 6,111 |
| Pretax return on assets | 0.1585% | 6,155 |
| Return on Equity (ROE) | 1.3211% | 6,142 |
| Retained earnings to average equity (ytd only) | 1.3211% | 5,322 |
| Net charge-offs to loans | 2.6961% | 145 |
| Credit loss provision to net charge-offs | 93.0693% | 1,969 |
| Earnings coverage of net charge-offs (x) | 1.1023% | 3,470 |
| Efficiency ratio | 69.3297% | 4,090 |
| Assets per employee ($millions) | 4.8029% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4465% | 442 |
| Loan loss allowance to noncurrent loans | 48.5015% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 2.9188% | 1,545 |
| Noncurrent loans to loans | 7.1061% | 406 |
| Net loans and leases to total assets | 32.5131% | 6,487 |
| Net loans and leases to deposits | 38.7426% | 6,475 |
| Net loans and leases to core deposits | 41.9873% | 6,403 |
| Total domestic deposits to total assets | 83.9208% | 4,509 |
| Equity capital to assets | 12.0553% | 2,004 |
| Core capital (leverage) ratio | 11.1269% | 2,155 |
| Tier 1 risk-based capital ratio | 24.3985% | 967 |
| Total risk-based capital ratio | 25.6628% | 949 |
| Memoranda: | ||
| Average total assets | $131,257,500 | 4,156 |
| Average earning assets | $118,211,000 | 4,191 |
| Average equity | $15,745,000 | 3,864 |
| Average total loans | $44,954,500 | 5,252 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 4,454 |
| Cost of funding earning assets | 0.9903% | 1,410 |
| Net interest margin | 3.2441% | 5,445 |
| Noninterest income to average assets | 0.1792% | 6,115 |
| Noninterest expense to average assets | 2.1832% | 5,953 |
| Loan and lease loss provision to assets | 1.7603% | 147 |
| Net operating income to assets | -0.9216% | 6,719 |
| Return on assets (ROA) | -0.4718% | 6,592 |
| Pretax return on assets | -0.4626% | 6,554 |
| Return on Equity (ROE) | -4.1350% | 6,559 |
| Retained earnings to average equity (ytd only) | -4.1350% | 6,371 |
| Net charge-offs to loans | 4.3519% | 55 |
| Credit loss provision to net charge-offs | 116.2301% | 2,483 |
| Earnings coverage of net charge-offs (x) | 0.5599% | 5,209 |
| Efficiency ratio | 72.0262% | 3,414 |
| Assets per employee ($millions) | 5.3135% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3000% | 508 |
| Loan loss allowance to noncurrent loans | 59.4005% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.2290% | 2,198 |
| Noncurrent loans to loans | 5.5556% | 664 |
| Net loans and leases to total assets | 33.6621% | 6,561 |
| Net loans and leases to deposits | 39.9900% | 6,549 |
| Net loans and leases to core deposits | 43.0334% | 6,501 |
| Total domestic deposits to total assets | 84.1762% | 4,236 |
| Equity capital to assets | 11.9371% | 2,085 |
| Core capital (leverage) ratio | 10.8210% | 2,418 |
| Tier 1 risk-based capital ratio | 23.7454% | 998 |
| Total risk-based capital ratio | 25.0109% | 976 |
| Memoranda: | ||
| Average total assets | $141,168,400 | 3,929 |
| Average earning assets | $124,100,600 | 4,013 |
| Average equity | $16,106,600 | 3,757 |
| Average total loans | $49,128,400 | 5,136 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 4,736 |
| Cost of funding earning assets | 0.9506% | 1,848 |
| Net interest margin | 3.2725% | 5,479 |
| Noninterest income to average assets | 0.4747% | 4,107 |
| Noninterest expense to average assets | 2.1593% | 6,035 |
| Loan and lease loss provision to assets | 1.6288% | 182 |
| Net operating income to assets | -0.3132% | 6,582 |
| Return on assets (ROA) | -0.0047% | 6,413 |
| Pretax return on assets | 0.0428% | 6,349 |
| Return on Equity (ROE) | -0.0413% | 6,413 |
| Retained earnings to average equity (ytd only) | -0.0413% | 6,084 |
| Net charge-offs to loans | 4.3837% | 65 |
| Credit loss provision to net charge-offs | 106.7724% | 2,751 |
| Earnings coverage of net charge-offs (x) | 0.7797% | 4,937 |
| Efficiency ratio | 64.4803% | 4,715 |
| Assets per employee ($millions) | 5.2878% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6493% | 1,033 |
| Loan loss allowance to noncurrent loans | 45.9238% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 2.3101% | 2,302 |
| Noncurrent loans to loans | 5.7688% | 727 |
| Net loans and leases to total assets | 34.4792% | 6,636 |
| Net loans and leases to deposits | 41.1038% | 6,639 |
| Net loans and leases to core deposits | 44.8990% | 6,564 |
| Total domestic deposits to total assets | 83.8831% | 4,279 |
| Equity capital to assets | 12.3244% | 2,015 |
| Core capital (leverage) ratio | 11.0534% | 2,329 |
| Tier 1 risk-based capital ratio | 23.8593% | 1,040 |
| Total risk-based capital ratio | 25.1092% | 1,021 |
| Memoranda: | ||
| Average total assets | $143,251,000 | 3,934 |
| Average earning assets | $125,811,250 | 4,018 |
| Average equity | $16,169,000 | 3,791 |
| Average total loans | $49,850,000 | 5,173 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2915% | 4,610 |
| Cost of funding earning assets | 1.0187% | 1,655 |
| Net interest margin | 3.2728% | 5,525 |
| Noninterest income to average assets | 0.5717% | 3,435 |
| Noninterest expense to average assets | 2.1409% | 6,150 |
| Loan and lease loss provision to assets | 2.2731% | 103 |
| Net operating income to assets | -0.9699% | 6,901 |
| Return on assets (ROA) | -0.3720% | 6,713 |
| Pretax return on assets | -0.3720% | 6,682 |
| Return on Equity (ROE) | -3.3939% | 6,696 |
| Retained earnings to average equity (ytd only) | -3.3939% | 6,502 |
| Net charge-offs to loans | 4.7974% | 76 |
| Credit loss provision to net charge-offs | 136.9295% | 2,006 |
| Earnings coverage of net charge-offs (x) | 0.7851% | 4,663 |
| Efficiency ratio | 62.1600% | 5,220 |
| Assets per employee ($millions) | 5.3900% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2930% | 599 |
| Loan loss allowance to noncurrent loans | 60.5293% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.2114% | 2,530 |
| Noncurrent loans to loans | 5.4404% | 858 |
| Net loans and leases to total assets | 34.0317% | 6,720 |
| Net loans and leases to deposits | 40.2583% | 6,726 |
| Net loans and leases to core deposits | 48.6420% | 6,423 |
| Total domestic deposits to total assets | 84.5333% | 4,088 |
| Equity capital to assets | 11.6548% | 2,448 |
| Core capital (leverage) ratio | 10.4832% | 2,824 |
| Tier 1 risk-based capital ratio | 22.9227% | 1,142 |
| Total risk-based capital ratio | 24.1746% | 1,121 |
| Memoranda: | ||
| Average total assets | $145,173,670 | 3,917 |
| Average earning assets | $127,414,330 | 4,006 |
| Average equity | $15,910,670 | 3,817 |
| Average total loans | $50,235,670 | 5,187 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 4,159 |
| Cost of funding earning assets | 1.0858% | 1,471 |
| Net interest margin | 3.3540% | 5,295 |
| Noninterest income to average assets | 0.2735% | 5,682 |
| Noninterest expense to average assets | 1.9473% | 6,556 |
| Loan and lease loss provision to assets | 3.3177% | 53 |
| Net operating income to assets | -2.0719% | 7,161 |
| Return on assets (ROA) | -1.0833% | 7,023 |
| Pretax return on assets | -1.0833% | 6,991 |
| Return on Equity (ROE) | -10.1914% | 6,990 |
| Retained earnings to average equity (ytd only) | -10.1914% | 6,844 |
| Net charge-offs to loans | 6.3990% | 54 |
| Credit loss provision to net charge-offs | 151.0481% | 1,656 |
| Earnings coverage of net charge-offs (x) | 0.5672% | 4,052 |
| Efficiency ratio | 60.9839% | 5,457 |
| Assets per employee ($millions) | 5.7060% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1992% | 687 |
| Loan loss allowance to noncurrent loans | 59.5069% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 2.1219% | 2,759 |
| Noncurrent loans to loans | 5.3763% | 1,008 |
| Net loans and leases to total assets | 32.4896% | 6,804 |
| Net loans and leases to deposits | 37.8443% | 6,827 |
| Net loans and leases to core deposits | 41.8595% | 6,753 |
| Total domestic deposits to total assets | 85.8508% | 3,617 |
| Equity capital to assets | 10.4587% | 3,543 |
| Core capital (leverage) ratio | 10.1293% | 3,204 |
| Tier 1 risk-based capital ratio | 21.9631% | 1,290 |
| Total risk-based capital ratio | 23.2370% | 1,260 |
| Memoranda: | ||
| Average total assets | $147,690,500 | 3,914 |
| Average earning assets | $128,563,000 | 4,012 |
| Average equity | $15,699,500 | 3,862 |
| Average total loans | $50,695,500 | 5,197 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0909% | 2,488 |
| Cost of funding earning assets | 1.4354% | 901 |
| Net interest margin | 3.6555% | 4,492 |
| Noninterest income to average assets | 0.2828% | 5,507 |
| Noninterest expense to average assets | 2.1461% | 6,393 |
| Loan and lease loss provision to assets | 0.9944% | 951 |
| Net operating income to assets | 0.3646% | 5,011 |
| Return on assets (ROA) | 0.5557% | 4,394 |
| Pretax return on assets | 0.5501% | 4,833 |
| Return on Equity (ROE) | 5.3807% | 4,209 |
| Retained earnings to average equity (ytd only) | 2.9840% | 4,108 |
| Net charge-offs to loans | 1.8362% | 794 |
| Credit loss provision to net charge-offs | 150.0000% | 1,883 |
| Earnings coverage of net charge-offs (x) | 2.0415% | 4,250 |
| Efficiency ratio | 61.3261% | 5,559 |
| Assets per employee ($millions) | 5.6548% | 1,476 |
| Cash dividends to net income (ytd only)* | 44.5431% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2850% | 1,643 |
| Loan loss allowance to noncurrent loans | 54.1820% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 1.7684% | 3,304 |
| Noncurrent loans to loans | 4.2172% | 1,455 |
| Net loans and leases to total assets | 34.2926% | 6,854 |
| Net loans and leases to deposits | 40.1023% | 6,876 |
| Net loans and leases to core deposits | 44.9700% | 6,771 |
| Total domestic deposits to total assets | 85.5128% | 3,587 |
| Equity capital to assets | 10.8029% | 3,191 |
| Core capital (leverage) ratio | 11.1646% | 2,148 |
| Tier 1 risk-based capital ratio | 22.0202% | 1,235 |
| Total risk-based capital ratio | 23.2744% | 1,207 |
| Memoranda: | ||
| Average total assets | $141,793,200 | 3,942 |
| Average earning assets | $124,770,600 | 4,044 |
| Average equity | $14,644,800 | 3,980 |
| Average total loans | $51,191,800 | 5,227 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1784% | 2,286 |
| Cost of funding earning assets | 1.4872% | 909 |
| Net interest margin | 3.6911% | 4,383 |
| Noninterest income to average assets | 0.2847% | 5,569 |
| Noninterest expense to average assets | 2.0329% | 6,627 |
| Loan and lease loss provision to assets | 0.9348% | 944 |
| Net operating income to assets | 0.5723% | 4,207 |
| Return on assets (ROA) | 0.8266% | 3,198 |
| Pretax return on assets | 0.8266% | 4,031 |
| Return on Equity (ROE) | 8.1010% | 3,002 |
| Retained earnings to average equity (ytd only) | 5.3480% | 2,949 |
| Net charge-offs to loans | 2.2913% | 516 |
| Credit loss provision to net charge-offs | 112.1868% | 2,919 |
| Earnings coverage of net charge-offs (x) | 1.8087% | 4,307 |
| Efficiency ratio | 57.4263% | 6,093 |
| Assets per employee ($millions) | 5.5913% | 1,509 |
| Cash dividends to net income (ytd only)* | 33.9843% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 3,920 |
| Loan loss allowance to noncurrent loans | 37.4312% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 1.7912% | 3,407 |
| Noncurrent loans to loans | 4.1104% | 1,610 |
| Net loans and leases to total assets | 35.9211% | 6,871 |
| Net loans and leases to deposits | 42.0417% | 6,910 |
| Net loans and leases to core deposits | 48.2674% | 6,750 |
| Total domestic deposits to total assets | 85.4417% | 3,532 |
| Equity capital to assets | 10.8761% | 3,268 |
| Core capital (leverage) ratio | 11.1154% | 2,302 |
| Tier 1 risk-based capital ratio | 22.0909% | 1,271 |
| Total risk-based capital ratio | 23.2459% | 1,262 |
| Memoranda: | ||
| Average total assets | $140,485,000 | 3,982 |
| Average earning assets | $123,897,000 | 4,084 |
| Average equity | $14,335,250 | 4,069 |
| Average total loans | $51,090,250 | 5,269 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0263% | 3,034 |
| Cost of funding earning assets | 1.4980% | 1,016 |
| Net interest margin | 3.5283% | 5,020 |
| Noninterest income to average assets | 0.2924% | 5,538 |
| Noninterest expense to average assets | 2.0727% | 6,646 |
| Loan and lease loss provision to assets | 1.5340% | 461 |
| Net operating income to assets | -0.1354% | 6,399 |
| Return on assets (ROA) | -0.1210% | 6,426 |
| Pretax return on assets | -0.1210% | 6,385 |
| Return on Equity (ROE) | -1.2136% | 6,428 |
| Retained earnings to average equity (ytd only) | -4.1753% | 6,489 |
| Net charge-offs to loans | 1.1736% | 1,335 |
| Credit loss provision to net charge-offs | 359.7973% | 853 |
| Earnings coverage of net charge-offs (x) | 3.2804% | 3,229 |
| Efficiency ratio | 59.7095% | 5,915 |
| Assets per employee ($millions) | 5.9807% | 1,199 |
| Cash dividends to net income (ytd only)* | -244.0476% | 7,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8249% | 1,058 |
| Loan loss allowance to noncurrent loans | 122.4524% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 4,645 |
| Noncurrent loans to loans | 2.3070% | 3,091 |
| Net loans and leases to total assets | 35.4211% | 6,989 |
| Net loans and leases to deposits | 41.1350% | 7,029 |
| Net loans and leases to core deposits | 46.4306% | 6,913 |
| Total domestic deposits to total assets | 86.1094% | 3,264 |
| Equity capital to assets | 10.1048% | 4,009 |
| Core capital (leverage) ratio | 10.6516% | 2,568 |
| Tier 1 risk-based capital ratio | 21.1403% | 1,396 |
| Total risk-based capital ratio | 22.6676% | 1,319 |
| Memoranda: | ||
| Average total assets | $138,855,330 | 4,047 |
| Average earning assets | $125,102,670 | 4,089 |
| Average equity | $13,843,330 | 4,151 |
| Average total loans | $50,441,670 | 5,338 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1568% | 2,398 |
| Cost of funding earning assets | 1.5239% | 1,076 |
| Net interest margin | 3.6329% | 4,411 |
| Noninterest income to average assets | 0.3106% | 5,446 |
| Noninterest expense to average assets | 2.0540% | 6,733 |
| Loan and lease loss provision to assets | 2.7894% | 174 |
| Net operating income to assets | -1.2218% | 7,109 |
| Return on assets (ROA) | -1.2131% | 7,109 |
| Pretax return on assets | -1.2131% | 7,068 |
| Return on Equity (ROE) | -12.2549% | 7,082 |
| Retained earnings to average equity (ytd only) | -16.8430% | 7,088 |
| Net charge-offs to loans | 1.1555% | 1,200 |
| Credit loss provision to net charge-offs | 665.7343% | 571 |
| Earnings coverage of net charge-offs (x) | 3.7413% | 2,647 |
| Efficiency ratio | 56.7152% | 6,418 |
| Assets per employee ($millions) | 5.5076% | 1,571 |
| Cash dividends to net income (ytd only)* | -37.4396% | 7,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0428% | 878 |
| Loan loss allowance to noncurrent loans | 186.9458% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.7996% | 5,310 |
| Noncurrent loans to loans | 1.6276% | 4,035 |
| Net loans and leases to total assets | 35.1304% | 7,048 |
| Net loans and leases to deposits | 40.7455% | 7,067 |
| Net loans and leases to core deposits | 45.9953% | 6,973 |
| Total domestic deposits to total assets | 86.2190% | 3,385 |
| Equity capital to assets | 9.7632% | 4,083 |
| Core capital (leverage) ratio | 10.8662% | 2,299 |
| Tier 1 risk-based capital ratio | 21.5808% | 1,304 |
| Total risk-based capital ratio | 23.8458% | 1,113 |
| Memoranda: | ||
| Average total assets | $136,515,000 | 4,129 |
| Average earning assets | $124,417,500 | 4,130 |
| Average equity | $13,513,000 | 4,218 |
| Average total loans | $49,502,500 | 5,420 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3289% | 2,983 |
| Cost of funding earning assets | 1.7902% | 1,209 |
| Net interest margin | 3.5388% | 5,082 |
| Noninterest income to average assets | 0.3509% | 5,293 |
| Noninterest expense to average assets | 2.4080% | 6,076 |
| Loan and lease loss provision to assets | 0.3814% | 3,827 |
| Net operating income to assets | 0.8093% | 2,757 |
| Return on assets (ROA) | 0.8261% | 2,827 |
| Pretax return on assets | 0.8261% | 3,545 |
| Return on Equity (ROE) | 7.3025% | 2,976 |
| Retained earnings to average equity (ytd only) | 4.5447% | 2,693 |
| Net charge-offs to loans | 0.8006% | 2,635 |
| Credit loss provision to net charge-offs | 131.2336% | 3,017 |
| Earnings coverage of net charge-offs (x) | 4.0971% | 3,067 |
| Efficiency ratio | 66.9139% | 4,773 |
| Assets per employee ($millions) | 5.2054% | 1,857 |
| Cash dividends to net income (ytd only)* | 37.7655% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 4,318 |
| Loan loss allowance to noncurrent loans | 63.3601% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0300% | 4,941 |
| Noncurrent loans to loans | 2.2783% | 3,240 |
| Net loans and leases to total assets | 35.7670% | 7,165 |
| Net loans and leases to deposits | 41.6447% | 7,198 |
| Net loans and leases to core deposits | 47.1762% | 7,109 |
| Total domestic deposits to total assets | 85.8859% | 3,420 |
| Equity capital to assets | 10.0362% | 3,702 |
| Core capital (leverage) ratio | 10.8846% | 2,240 |
| Tier 1 risk-based capital ratio | 22.8045% | 1,067 |
| Total risk-based capital ratio | 23.8808% | 1,070 |
| Memoranda: | ||
| Average total assets | $131,105,400 | 4,235 |
| Average earning assets | $120,324,000 | 4,222 |
| Average equity | $14,830,600 | 3,968 |
| Average total loans | $47,587,000 | 5,574 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3188% | 3,260 |
| Cost of funding earning assets | 1.8405% | 1,258 |
| Net interest margin | 3.4783% | 5,378 |
| Noninterest income to average assets | 0.1804% | 6,588 |
| Noninterest expense to average assets | 2.0249% | 7,004 |
| Loan and lease loss provision to assets | 0.4152% | 3,415 |
| Net operating income to assets | 0.9258% | 2,513 |
| Return on assets (ROA) | 0.9648% | 2,483 |
| Pretax return on assets | 0.9648% | 3,315 |
| Return on Equity (ROE) | 8.2856% | 2,797 |
| Retained earnings to average equity (ytd only) | 5.6705% | 2,556 |
| Net charge-offs to loans | 0.9914% | 2,018 |
| Credit loss provision to net charge-offs | 115.3846% | 3,615 |
| Earnings coverage of net charge-offs (x) | 3.7265% | 3,321 |
| Efficiency ratio | 60.1584% | 5,924 |
| Assets per employee ($millions) | 5.2708% | 1,850 |
| Cash dividends to net income (ytd only)* | 31.5620% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,868 |
| Loan loss allowance to noncurrent loans | 74.4509% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 5,516 |
| Noncurrent loans to loans | 1.7678% | 3,996 |
| Net loans and leases to total assets | 35.2362% | 7,297 |
| Net loans and leases to deposits | 41.8183% | 7,309 |
| Net loans and leases to core deposits | 47.6810% | 7,219 |
| Total domestic deposits to total assets | 84.2602% | 3,976 |
| Equity capital to assets | 11.6629% | 2,396 |
| Core capital (leverage) ratio | 11.2418% | 2,105 |
| Tier 1 risk-based capital ratio | 22.8773% | 1,088 |
| Total risk-based capital ratio | 23.8593% | 1,088 |
| Memoranda: | ||
| Average total assets | $130,046,750 | 4,325 |
| Average earning assets | $119,096,500 | 4,306 |
| Average equity | $15,142,500 | 3,962 |
| Average total loans | $47,204,750 | 5,670 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 3,208 |
| Cost of funding earning assets | 1.8916% | 1,269 |
| Net interest margin | 3.4600% | 5,402 |
| Noninterest income to average assets | 0.3664% | 5,208 |
| Noninterest expense to average assets | 2.1689% | 6,722 |
| Loan and lease loss provision to assets | 0.3367% | 3,715 |
| Net operating income to assets | 1.0289% | 2,088 |
| Return on assets (ROA) | 1.0492% | 2,092 |
| Pretax return on assets | 1.0492% | 2,938 |
| Return on Equity (ROE) | 9.0161% | 2,458 |
| Retained earnings to average equity (ytd only) | 6.2574% | 2,198 |
| Net charge-offs to loans | 0.7721% | 2,318 |
| Credit loss provision to net charge-offs | 119.4444% | 3,405 |
| Earnings coverage of net charge-offs (x) | 4.8444% | 2,826 |
| Efficiency ratio | 61.3646% | 5,802 |
| Assets per employee ($millions) | 5.2624% | 1,851 |
| Cash dividends to net income (ytd only)* | 30.5970% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 4,937 |
| Loan loss allowance to noncurrent loans | 65.8588% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.0763% | 4,977 |
| Noncurrent loans to loans | 1.9690% | 3,766 |
| Net loans and leases to total assets | 36.1597% | 7,343 |
| Net loans and leases to deposits | 43.0781% | 7,352 |
| Net loans and leases to core deposits | 46.9249% | 7,320 |
| Total domestic deposits to total assets | 83.9398% | 4,131 |
| Equity capital to assets | 11.8219% | 2,204 |
| Core capital (leverage) ratio | 11.4954% | 1,919 |
| Tier 1 risk-based capital ratio | 23.1083% | 1,054 |
| Total risk-based capital ratio | 24.0828% | 1,068 |
| Memoranda: | ||
| Average total assets | $127,715,330 | 4,410 |
| Average earning assets | $116,938,000 | 4,394 |
| Average equity | $14,862,330 | 4,019 |
| Average total loans | $46,629,000 | 5,736 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4822% | 2,676 |
| Cost of funding earning assets | 1.9292% | 1,324 |
| Net interest margin | 3.5529% | 4,935 |
| Noninterest income to average assets | 0.3625% | 5,241 |
| Noninterest expense to average assets | 2.1655% | 6,770 |
| Loan and lease loss provision to assets | 0.5565% | 2,276 |
| Net operating income to assets | 0.9317% | 2,422 |
| Return on assets (ROA) | 0.9667% | 2,373 |
| Pretax return on assets | 0.9667% | 3,211 |
| Return on Equity (ROE) | 8.3764% | 2,704 |
| Retained earnings to average equity (ytd only) | 4.1055% | 3,689 |
| Net charge-offs to loans | 1.4658% | 1,178 |
| Credit loss provision to net charge-offs | 104.1667% | 3,287 |
| Earnings coverage of net charge-offs (x) | 2.7857% | 3,155 |
| Efficiency ratio | 59.2689% | 6,294 |
| Assets per employee ($millions) | 5.1125% | 2,075 |
| Cash dividends to net income (ytd only)* | 50.9868% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 5,036 |
| Loan loss allowance to noncurrent loans | 47.6457% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.4998% | 4,257 |
| Noncurrent loans to loans | 2.6909% | 2,982 |
| Net loans and leases to total assets | 35.9650% | 7,424 |
| Net loans and leases to deposits | 42.7776% | 7,435 |
| Net loans and leases to core deposits | 49.2637% | 7,310 |
| Total domestic deposits to total assets | 84.0744% | 4,111 |
| Equity capital to assets | 11.5340% | 2,333 |
| Core capital (leverage) ratio | 11.5177% | 1,899 |
| Tier 1 risk-based capital ratio | 23.3349% | 1,027 |
| Total risk-based capital ratio | 24.2954% | 1,048 |
| Memoranda: | ||
| Average total assets | $125,792,500 | 4,505 |
| Average earning assets | $116,523,500 | 4,453 |
| Average equity | $14,517,000 | 4,118 |
| Average total loans | $45,845,000 | 5,844 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8712% | 2,366 |
| Cost of funding earning assets | 2.3011% | 1,647 |
| Net interest margin | 3.5700% | 4,653 |
| Noninterest income to average assets | 0.3888% | 5,303 |
| Noninterest expense to average assets | 2.5471% | 5,963 |
| Loan and lease loss provision to assets | 0.4041% | 4,391 |
| Net operating income to assets | 0.7359% | 2,787 |
| Return on assets (ROA) | 0.7733% | 2,720 |
| Pretax return on assets | 0.7733% | 3,328 |
| Return on Equity (ROE) | 6.3774% | 3,043 |
| Retained earnings to average equity (ytd only) | 3.6693% | 2,623 |
| Net charge-offs to loans | 0.7222% | 3,027 |
| Credit loss provision to net charge-offs | 152.7331% | 2,999 |
| Earnings coverage of net charge-offs (x) | 4.3087% | 2,990 |
| Efficiency ratio | 69.0817% | 4,810 |
| Assets per employee ($millions) | 4.9509% | 2,280 |
| Cash dividends to net income (ytd only)* | 42.4642% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 4,706 |
| Loan loss allowance to noncurrent loans | 77.3263% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 4,787 |
| Noncurrent loans to loans | 1.6909% | 4,110 |
| Net loans and leases to total assets | 35.9815% | 7,522 |
| Net loans and leases to deposits | 42.8741% | 7,543 |
| Net loans and leases to core deposits | 65.0830% | 7,029 |
| Total domestic deposits to total assets | 83.9237% | 4,056 |
| Equity capital to assets | 11.5470% | 2,285 |
| Core capital (leverage) ratio | 11.6799% | 1,826 |
| Tier 1 risk-based capital ratio | 23.7180% | 973 |
| Total risk-based capital ratio | 24.6927% | 978 |
| Memoranda: | ||
| Average total assets | $117,545,000 | 4,644 |
| Average earning assets | $108,598,800 | 4,609 |
| Average equity | $14,253,400 | 4,200 |
| Average total loans | $43,063,200 | 5,976 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9309% | 2,315 |
| Cost of funding earning assets | 2.3701% | 1,743 |
| Net interest margin | 3.5607% | 4,632 |
| Noninterest income to average assets | 0.3897% | 5,384 |
| Noninterest expense to average assets | 2.3462% | 6,566 |
| Loan and lease loss provision to assets | 0.4828% | 3,487 |
| Net operating income to assets | 0.8506% | 2,614 |
| Return on assets (ROA) | 0.8920% | 2,525 |
| Pretax return on assets | 0.8920% | 3,255 |
| Return on Equity (ROE) | 7.2638% | 2,962 |
| Retained earnings to average equity (ytd only) | 4.7552% | 2,630 |
| Net charge-offs to loans | 0.8649% | 2,236 |
| Credit loss provision to net charge-offs | 152.1739% | 3,137 |
| Earnings coverage of net charge-offs (x) | 4.2029% | 3,224 |
| Efficiency ratio | 63.7613% | 5,799 |
| Assets per employee ($millions) | 4.8550% | 2,322 |
| Cash dividends to net income (ytd only)* | 34.5357% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 4,671 |
| Loan loss allowance to noncurrent loans | 142.5000% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8774% | 5,328 |
| Noncurrent loans to loans | 0.8928% | 5,499 |
| Net loans and leases to total assets | 36.4433% | 7,605 |
| Net loans and leases to deposits | 43.7591% | 7,627 |
| Net loans and leases to core deposits | 66.6471% | 7,133 |
| Total domestic deposits to total assets | 83.2816% | 4,075 |
| Equity capital to assets | 12.1343% | 2,168 |
| Core capital (leverage) ratio | 12.1251% | 1,746 |
| Tier 1 risk-based capital ratio | 24.2341% | 974 |
| Total risk-based capital ratio | 25.1973% | 983 |
| Memoranda: | ||
| Average total assets | $115,988,250 | 4,699 |
| Average earning assets | $107,165,750 | 4,676 |
| Average equity | $14,243,750 | 4,233 |
| Average total loans | $42,547,750 | 6,042 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9688% | 2,308 |
| Cost of funding earning assets | 2.4475% | 1,787 |
| Net interest margin | 3.5213% | 4,695 |
| Noninterest income to average assets | 0.3818% | 5,447 |
| Noninterest expense to average assets | 2.4783% | 6,187 |
| Loan and lease loss provision to assets | 0.3678% | 3,719 |
| Net operating income to assets | 0.7864% | 2,905 |
| Return on assets (ROA) | 0.8302% | 2,830 |
| Pretax return on assets | 0.8302% | 3,569 |
| Return on Equity (ROE) | 6.7318% | 3,315 |
| Retained earnings to average equity (ytd only) | 3.9908% | 3,064 |
| Net charge-offs to loans | 0.7369% | 2,205 |
| Credit loss provision to net charge-offs | 136.3636% | 3,422 |
| Earnings coverage of net charge-offs (x) | 4.2792% | 3,150 |
| Efficiency ratio | 68.2257% | 5,117 |
| Assets per employee ($millions) | 4.4975% | 2,778 |
| Cash dividends to net income (ytd only)* | 40.7173% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,476 |
| Loan loss allowance to noncurrent loans | 56.1772% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.3820% | 4,196 |
| Noncurrent loans to loans | 1.9890% | 3,542 |
| Net loans and leases to total assets | 36.4784% | 7,690 |
| Net loans and leases to deposits | 43.8794% | 7,706 |
| Net loans and leases to core deposits | 64.8603% | 7,257 |
| Total domestic deposits to total assets | 83.1334% | 4,179 |
| Equity capital to assets | 12.0871% | 2,155 |
| Core capital (leverage) ratio | 12.2193% | 1,738 |
| Tier 1 risk-based capital ratio | 24.9889% | 941 |
| Total risk-based capital ratio | 25.8423% | 961 |
| Memoranda: | ||
| Average total assets | $114,192,670 | 4,769 |
| Average earning assets | $105,415,000 | 4,743 |
| Average equity | $14,082,330 | 4,293 |
| Average total loans | $41,796,000 | 6,119 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2308% | 1,501 |
| Cost of funding earning assets | 2.5667% | 1,671 |
| Net interest margin | 3.6640% | 4,045 |
| Noninterest income to average assets | 0.3829% | 5,359 |
| Noninterest expense to average assets | 2.0634% | 7,205 |
| Loan and lease loss provision to assets | 0.2659% | 3,837 |
| Net operating income to assets | 1.4394% | 1,061 |
| Return on assets (ROA) | 1.4820% | 1,040 |
| Pretax return on assets | 1.4820% | 1,717 |
| Return on Equity (ROE) | 11.8949% | 1,696 |
| Retained earnings to average equity (ytd only) | 7.8256% | 1,883 |
| Net charge-offs to loans | 0.3696% | 2,615 |
| Credit loss provision to net charge-offs | 197.3684% | 2,246 |
| Earnings coverage of net charge-offs (x) | 12.6579% | 1,786 |
| Efficiency ratio | 54.7507% | 7,139 |
| Assets per employee ($millions) | 4.3676% | 2,942 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,438 |
| Loan loss allowance to noncurrent loans | 59.5882% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.1492% | 4,373 |
| Noncurrent loans to loans | 1.8536% | 3,486 |
| Net loans and leases to total assets | 36.5068% | 7,711 |
| Net loans and leases to deposits | 44.2065% | 7,717 |
| Net loans and leases to core deposits | 64.1624% | 7,311 |
| Total domestic deposits to total assets | 82.5823% | 4,340 |
| Equity capital to assets | 12.4836% | 1,983 |
| Core capital (leverage) ratio | 12.4993% | 1,687 |
| Tier 1 risk-based capital ratio | 25.6829% | 917 |
| Total risk-based capital ratio | 26.5261% | 930 |
| Memoranda: | ||
| Average total assets | $112,821,500 | 4,828 |
| Average earning assets | $104,256,500 | 4,798 |
| Average equity | $14,056,500 | 4,320 |
| Average total loans | $41,125,000 | 6,184 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5573% | 2,681 |
| Cost of funding earning assets | 3.2219% | 1,123 |
| Net interest margin | 3.3354% | 5,917 |
| Noninterest income to average assets | 0.4712% | 4,870 |
| Noninterest expense to average assets | 2.2764% | 6,770 |
| Loan and lease loss provision to assets | 0.3522% | 3,576 |
| Net operating income to assets | 0.9265% | 2,891 |
| Return on assets (ROA) | 0.9668% | 2,587 |
| Pretax return on assets | 0.9668% | 3,493 |
| Return on Equity (ROE) | 7.6300% | 3,224 |
| Retained earnings to average equity (ytd only) | 5.0201% | 2,018 |
| Net charge-offs to loans | 0.7853% | 1,586 |
| Credit loss provision to net charge-offs | 125.7525% | 4,244 |
| Earnings coverage of net charge-offs (x) | 4.5652% | 3,931 |
| Efficiency ratio | 64.0316% | 5,548 |
| Assets per employee ($millions) | 4.4834% | 2,641 |
| Cash dividends to net income (ytd only)* | 34.2054% | 3,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 5,568 |
| Loan loss allowance to noncurrent loans | 68.1600% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 4,486 |
| Noncurrent loans to loans | 1.5497% | 3,468 |
| Net loans and leases to total assets | 35.6021% | 7,845 |
| Net loans and leases to deposits | 43.1793% | 7,869 |
| Net loans and leases to core deposits | 64.1322% | 7,439 |
| Total domestic deposits to total assets | 82.4519% | 4,023 |
| Equity capital to assets | 12.4342% | 2,045 |
| Core capital (leverage) ratio | 12.3231% | 1,823 |
| Tier 1 risk-based capital ratio | 25.9757% | 902 |
| Total risk-based capital ratio | 26.7762% | 923 |
| Memoranda: | ||
| Average total assets | $106,747,200 | 4,861 |
| Average earning assets | $98,699,200 | 4,842 |
| Average equity | $13,525,600 | 4,446 |
| Average total loans | $38,076,600 | 6,269 |