Home > The First National Bank of Hope > Performance and Condition Ratios
The First National Bank of Hope, 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 | 4.9692% | 3,165 |
| Cost of funding earning assets | 1.5958% | 2,986 |
| Net interest margin | 3.3734% | 2,610 |
| Noninterest income to average assets | 0.5000% | 1,747 |
| Noninterest expense to average assets | 3.2570% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.3191% | 3,836 |
| Return on assets (ROA) | 0.3146% | 3,867 |
| Pretax return on assets | 0.3239% | 3,917 |
| Return on Equity (ROE) | 4.3300% | 3,662 |
| Retained earnings to average equity (ytd only) | 4.3285% | 2,761 |
| Net charge-offs to loans | 0.0670% | 1,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 8.8750% | 1,750 |
| Efficiency ratio | 90.8387% | 478 |
| Assets per employee ($millions) | 4.7461% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 469 |
| Loan loss allowance to noncurrent loans | 29.7615% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 3.5831% | 59 |
| Noncurrent loans to loans | 6.3328% | 36 |
| Net loans and leases to total assets | 55.5100% | 3,239 |
| Net loans and leases to deposits | 66.8966% | 3,075 |
| Net loans and leases to core deposits | 70.1211% | 3,287 |
| Total domestic deposits to total assets | 82.9800% | 3,125 |
| Equity capital to assets | 7.5922% | 3,807 |
| Core capital (leverage) ratio | 13.4963% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2967% | 729 |
| Memoranda: | ||
| Average total assets | $86,459,000 | 3,889 |
| Average earning assets | $79,208,500 | 3,882 |
| Average equity | $6,284,000 | 4,139 |
| Average total loans | $47,731,500 | 3,851 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 2,959 |
| Cost of funding earning assets | 1.7702% | 2,794 |
| Net interest margin | 3.3053% | 2,504 |
| Noninterest income to average assets | 0.5000% | 1,933 |
| Noninterest expense to average assets | 3.2624% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.2741% | 3,880 |
| Return on assets (ROA) | 0.2753% | 3,908 |
| Pretax return on assets | 0.2869% | 3,949 |
| Return on Equity (ROE) | 3.7100% | 3,742 |
| Retained earnings to average equity (ytd only) | 2.1379% | 3,323 |
| Net charge-offs to loans | 0.0219% | 2,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,679 |
| Efficiency ratio | 91.9461% | 437 |
| Assets per employee ($millions) | 4.8604% | 3,737 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9500% | 403 |
| Loan loss allowance to noncurrent loans | 31.1843% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 3.3685% | 61 |
| Noncurrent loans to loans | 6.2533% | 42 |
| Net loans and leases to total assets | 52.8200% | 3,474 |
| Net loans and leases to deposits | 62.5785% | 3,407 |
| Net loans and leases to core deposits | 66.0548% | 3,531 |
| Total domestic deposits to total assets | 84.4000% | 2,686 |
| Equity capital to assets | 6.9518% | 3,985 |
| Core capital (leverage) ratio | 13.2053% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3387% | 732 |
| Memoranda: | ||
| Average total assets | $85,734,800 | 3,902 |
| Average earning assets | $79,145,600 | 3,881 |
| Average equity | $6,361,400 | 4,120 |
| Average total loans | $45,696,200 | 3,879 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 2,879 |
| Cost of funding earning assets | 1.7697% | 2,794 |
| Net interest margin | 3.3211% | 2,406 |
| Noninterest income to average assets | 0.4900% | 1,945 |
| Noninterest expense to average assets | 3.2685% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.2845% | 3,883 |
| Return on assets (ROA) | 0.2845% | 3,912 |
| Pretax return on assets | 0.2923% | 3,958 |
| Return on Equity (ROE) | 3.7700% | 3,764 |
| Retained earnings to average equity (ytd only) | 1.7000% | 3,534 |
| Net charge-offs to loans | 0.0294% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 18.7000% | 1,798 |
| Efficiency ratio | 91.7910% | 467 |
| Assets per employee ($millions) | 4.8792% | 3,726 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9519% | 429 |
| Loan loss allowance to noncurrent loans | 28.9358% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 3.6162% | 59 |
| Noncurrent loans to loans | 6.7457% | 40 |
| Net loans and leases to total assets | 52.5600% | 3,510 |
| Net loans and leases to deposits | 65.4126% | 3,274 |
| Net loans and leases to core deposits | 68.9916% | 3,441 |
| Total domestic deposits to total assets | 80.3500% | 3,408 |
| Equity capital to assets | 8.1320% | 3,625 |
| Core capital (leverage) ratio | 13.0641% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3461% | 746 |
| Memoranda: | ||
| Average total assets | $85,296,500 | 3,920 |
| Average earning assets | $78,807,500 | 3,903 |
| Average equity | $6,431,250 | 4,131 |
| Average total loans | $45,338,500 | 3,900 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1939% | 2,563 |
| Cost of funding earning assets | 1.6735% | 2,920 |
| Net interest margin | 3.5204% | 1,921 |
| Noninterest income to average assets | 0.4900% | 1,897 |
| Noninterest expense to average assets | 3.2397% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5020% | 3,423 |
| Return on assets (ROA) | 0.4997% | 3,463 |
| Pretax return on assets | 0.5163% | 3,598 |
| Return on Equity (ROE) | 6.8100% | 3,045 |
| Retained earnings to average equity (ytd only) | 3.5839% | 2,857 |
| Net charge-offs to loans | -0.0268% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 86.2004% | 740 |
| Assets per employee ($millions) | 4.8054% | 3,735 |
| Cash dividends to net income (ytd only)* | 47.3934% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0042% | 390 |
| Loan loss allowance to noncurrent loans | 77.9167% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4440% | 353 |
| Noncurrent loans to loans | 2.5722% | 248 |
| Net loans and leases to total assets | 52.8500% | 3,479 |
| Net loans and leases to deposits | 64.8459% | 3,312 |
| Net loans and leases to core deposits | 67.7088% | 3,474 |
| Total domestic deposits to total assets | 81.5100% | 3,183 |
| Equity capital to assets | 7.0338% | 3,928 |
| Core capital (leverage) ratio | 13.2284% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9694% | 681 |
| Memoranda: | ||
| Average total assets | $84,453,333 | 3,943 |
| Average earning assets | $78,400,000 | 3,919 |
| Average equity | $6,194,333 | 4,161 |
| Average total loans | $44,757,333 | 3,921 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 2,530 |
| Cost of funding earning assets | 1.5028% | 3,191 |
| Net interest margin | 3.6355% | 1,669 |
| Noninterest income to average assets | 0.4700% | 1,919 |
| Noninterest expense to average assets | 3.3608% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4700% | 3,470 |
| Return on assets (ROA) | 0.4746% | 3,487 |
| Pretax return on assets | 0.4890% | 3,591 |
| Return on Equity (ROE) | 6.3400% | 3,123 |
| Retained earnings to average equity (ytd only) | 3.1363% | 2,945 |
| Net charge-offs to loans | -0.0457% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 87.4065% | 717 |
| Assets per employee ($millions) | 4.6927% | 3,846 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1091% | 321 |
| Loan loss allowance to noncurrent loans | 75.8117% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.5165% | 300 |
| Noncurrent loans to loans | 2.7820% | 190 |
| Net loans and leases to total assets | 51.3200% | 3,534 |
| Net loans and leases to deposits | 61.7342% | 3,419 |
| Net loans and leases to core deposits | 64.1515% | 3,591 |
| Total domestic deposits to total assets | 83.1300% | 2,951 |
| Equity capital to assets | 7.2441% | 3,791 |
| Core capital (leverage) ratio | 13.4374% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7024% | 628 |
| Memoranda: | ||
| Average total assets | $83,431,500 | 3,971 |
| Average earning assets | $77,457,500 | 3,951 |
| Average equity | $6,249,500 | 4,177 |
| Average total loans | $43,810,000 | 3,953 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0316% | 19 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1,362.0000% | 44 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 36.0000% | 7 |
| Noninterest income to average assets | -0.0107% | 4,581 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.8669% | 2,619 |
| Pretax return on assets | 0.8963% | 2,970 |
| Return on Equity (ROE) | 12.4500% | 1,852 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0012% | 2,811 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 6.7626% | 2,447 |
| Efficiency ratio | 5.5222% | 4,563 |
| Assets per employee ($millions) | 0.3635% | 4,529 |
| Cash dividends to net income (ytd only)* | 44.0000% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 384.0000% | 48 |
| Total domestic deposits to total assets | 23.0000% | 4,494 |
| Equity capital to assets | 1,559.0000% | 43 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $931,000 | 4,605 |
| Average earning assets | $4,130 | 4,578 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6269% | 2,617 |
| Cost of funding earning assets | 0.9900% | 3,066 |
| Net interest margin | 3.6369% | 1,909 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 3.2217% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9098% | 2,646 |
| Return on assets (ROA) | 0.9114% | 2,626 |
| Pretax return on assets | 0.9474% | 2,985 |
| Return on Equity (ROE) | 13.4700% | 1,806 |
| Retained earnings to average equity (ytd only) | 9.8405% | 1,449 |
| Net charge-offs to loans | -0.0336% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.3066% | 1,068 |
| Assets per employee ($millions) | 4.6951% | 3,818 |
| Cash dividends to net income (ytd only)* | 26.9300% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4156% | 227 |
| Loan loss allowance to noncurrent loans | 59.3090% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 2.0196% | 139 |
| Noncurrent loans to loans | 4.0730% | 74 |
| Net loans and leases to total assets | 46.9200% | 3,789 |
| Net loans and leases to deposits | 53.4506% | 3,810 |
| Net loans and leases to core deposits | 55.5361% | 3,875 |
| Total domestic deposits to total assets | 87.7800% | 1,651 |
| Equity capital to assets | 5.9148% | 4,019 |
| Core capital (leverage) ratio | 13.5447% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1902% | 539 |
| Memoranda: | ||
| Average total assets | $81,487,000 | 4,019 |
| Average earning assets | $75,153,000 | 3,998 |
| Average equity | $5,514,500 | 4,217 |
| Average total loans | $39,656,500 | 4,009 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,609 |
| Cost of funding earning assets | 0.9050% | 2,908 |
| Net interest margin | 3.6096% | 2,020 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 3.2154% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0336% | 2,308 |
| Return on assets (ROA) | 1.0336% | 2,303 |
| Pretax return on assets | 1.0750% | 2,708 |
| Return on Equity (ROE) | 14.6700% | 1,534 |
| Retained earnings to average equity (ytd only) | 11.2130% | 1,148 |
| Net charge-offs to loans | -0.0499% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.9432% | 1,261 |
| Assets per employee ($millions) | 4.5176% | 3,940 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3534% | 254 |
| Loan loss allowance to noncurrent loans | 58.3019% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 2.0156% | 136 |
| Noncurrent loans to loans | 4.0367% | 85 |
| Net loans and leases to total assets | 47.3000% | 3,724 |
| Net loans and leases to deposits | 54.4302% | 3,726 |
| Net loans and leases to core deposits | 56.5352% | 3,792 |
| Total domestic deposits to total assets | 86.9000% | 1,961 |
| Equity capital to assets | 7.0367% | 3,776 |
| Core capital (leverage) ratio | 13.6909% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1937% | 542 |
| Memoranda: | ||
| Average total assets | $82,043,667 | 4,027 |
| Average earning assets | $75,576,667 | 4,009 |
| Average equity | $5,779,000 | 4,221 |
| Average total loans | $40,083,667 | 4,011 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 2,795 |
| Cost of funding earning assets | 0.7870% | 2,781 |
| Net interest margin | 3.5152% | 2,323 |
| Noninterest income to average assets | 1.0100% | 565 |
| Noninterest expense to average assets | 3.2715% | 722 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9512% | 2,688 |
| Return on assets (ROA) | 0.9465% | 2,659 |
| Pretax return on assets | 0.9853% | 3,039 |
| Return on Equity (ROE) | 13.4300% | 1,898 |
| Retained earnings to average equity (ytd only) | 9.9871% | 1,703 |
| Net charge-offs to loans | 0.0099% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 499 |
| Efficiency ratio | 76.7654% | 1,103 |
| Assets per employee ($millions) | 4.5908% | 3,968 |
| Cash dividends to net income (ytd only)* | 25.6410% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3644% | 258 |
| Loan loss allowance to noncurrent loans | 55.8196% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 2.0452% | 119 |
| Noncurrent loans to loans | 4.2357% | 81 |
| Net loans and leases to total assets | 45.7800% | 3,781 |
| Net loans and leases to deposits | 52.8281% | 3,750 |
| Net loans and leases to core deposits | 54.6003% | 3,810 |
| Total domestic deposits to total assets | 86.6500% | 2,390 |
| Equity capital to assets | 7.4304% | 3,599 |
| Core capital (leverage) ratio | 13.1222% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2814% | 554 |
| Memoranda: | ||
| Average total assets | $82,407,500 | 4,076 |
| Average earning assets | $76,240,500 | 4,056 |
| Average equity | $5,807,500 | 4,264 |
| Average total loans | $40,431,000 | 4,061 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 2,311 |
| Cost of funding earning assets | 0.5157% | 1,294 |
| Net interest margin | 3.2731% | 2,639 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.9602% | 1,021 |
| Loan and lease loss provision to assets | -0.2800% | 4,657 |
| Net operating income to assets | 1.1141% | 2,108 |
| Return on assets (ROA) | 1.1107% | 2,057 |
| Pretax return on assets | 1.1473% | 2,616 |
| Return on Equity (ROE) | 13.8400% | 1,569 |
| Retained earnings to average equity (ytd only) | 4.2789% | 3,308 |
| Net charge-offs to loans | 0.0143% | 1,847 |
| Credit loss provision to net charge-offs | -3,883.3333% | 4,702 |
| Earnings coverage of net charge-offs (x) | 123.6667% | 875 |
| Efficiency ratio | 77.1692% | 908 |
| Assets per employee ($millions) | 4.5656% | 3,988 |
| Cash dividends to net income (ytd only)* | 69.0755% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1771% | 318 |
| Loan loss allowance to noncurrent loans | 51.7494% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 2.2158% | 104 |
| Noncurrent loans to loans | 4.2070% | 82 |
| Net loans and leases to total assets | 50.1400% | 3,493 |
| Net loans and leases to deposits | 57.5944% | 3,480 |
| Net loans and leases to core deposits | 59.4123% | 3,541 |
| Total domestic deposits to total assets | 87.0500% | 2,380 |
| Equity capital to assets | 6.6621% | 3,834 |
| Core capital (leverage) ratio | 13.1576% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6350% | 660 |
| Memoranda: | ||
| Average total assets | $84,723,200 | 4,077 |
| Average earning assets | $78,153,200 | 4,063 |
| Average equity | $6,800,800 | 4,239 |
| Average total loans | $41,890,400 | 4,030 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 2,528 |
| Cost of funding earning assets | 0.4903% | 786 |
| Net interest margin | 3.0350% | 3,127 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.8694% | 1,106 |
| Loan and lease loss provision to assets | -0.3600% | 4,719 |
| Net operating income to assets | 1.1401% | 1,930 |
| Return on assets (ROA) | 1.1356% | 1,923 |
| Pretax return on assets | 1.1699% | 2,492 |
| Return on Equity (ROE) | 13.5900% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.1129% | 2,716 |
| Net charge-offs to loans | 0.0191% | 1,456 |
| Credit loss provision to net charge-offs | -3,883.3333% | 4,749 |
| Earnings coverage of net charge-offs (x) | 86.5000% | 1,012 |
| Efficiency ratio | 77.9711% | 916 |
| Assets per employee ($millions) | 4.8035% | 3,843 |
| Cash dividends to net income (ytd only)* | 55.0206% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2673% | 310 |
| Loan loss allowance to noncurrent loans | 50.8879% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 2.2729% | 104 |
| Noncurrent loans to loans | 4.4555% | 75 |
| Net loans and leases to total assets | 48.4000% | 3,591 |
| Net loans and leases to deposits | 55.0025% | 3,547 |
| Net loans and leases to core deposits | 56.6825% | 3,581 |
| Total domestic deposits to total assets | 88.0000% | 2,438 |
| Equity capital to assets | 6.0006% | 3,964 |
| Core capital (leverage) ratio | 12.8298% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3562% | 617 |
| Memoranda: | ||
| Average total assets | $85,358,750 | 4,099 |
| Average earning assets | $78,856,000 | 4,077 |
| Average equity | $7,132,250 | 4,238 |
| Average total loans | $41,833,000 | 4,055 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2861% | 2,780 |
| Cost of funding earning assets | 0.4673% | 635 |
| Net interest margin | 2.8188% | 3,387 |
| Noninterest income to average assets | 0.9262% | 794 |
| Noninterest expense to average assets | 2.8432% | 1,095 |
| Loan and lease loss provision to assets | -0.5382% | 4,752 |
| Net operating income to assets | 1.1963% | 1,443 |
| Return on assets (ROA) | 1.1895% | 1,440 |
| Pretax return on assets | 1.2195% | 2,007 |
| Return on Equity (ROE) | 13.0772% | 1,366 |
| Retained earnings to average equity (ytd only) | 7.9986% | 1,618 |
| Net charge-offs to loans | 0.1371% | 474 |
| Credit loss provision to net charge-offs | -803.4483% | 3,499 |
| Earnings coverage of net charge-offs (x) | 10.2759% | 1,759 |
| Efficiency ratio | 80.5101% | 905 |
| Assets per employee ($millions) | 4.6432% | 3,977 |
| Cash dividends to net income (ytd only)* | 38.8350% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2189% | 377 |
| Loan loss allowance to noncurrent loans | 53.3095% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 2.0711% | 134 |
| Noncurrent loans to loans | 4.1622% | 87 |
| Net loans and leases to total assets | 47.1386% | 3,618 |
| Net loans and leases to deposits | 54.2823% | 3,520 |
| Net loans and leases to core deposits | 55.9195% | 3,572 |
| Total domestic deposits to total assets | 86.8397% | 3,001 |
| Equity capital to assets | 7.3274% | 3,586 |
| Core capital (leverage) ratio | 12.6608% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4381% | 588 |
| Memoranda: | ||
| Average total assets | $86,592,000 | 4,122 |
| Average earning assets | $80,033,667 | 4,120 |
| Average equity | $7,876,333 | 4,216 |
| Average total loans | $42,296,000 | 4,098 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1797% | 2,748 |
| Cost of funding earning assets | 0.4599% | 619 |
| Net interest margin | 2.7198% | 3,365 |
| Noninterest income to average assets | 0.4904% | 2,193 |
| Noninterest expense to average assets | 2.7696% | 1,216 |
| Loan and lease loss provision to assets | -1.0579% | 4,784 |
| Net operating income to assets | 1.2257% | 1,181 |
| Return on assets (ROA) | 1.2213% | 1,177 |
| Pretax return on assets | 1.2713% | 1,594 |
| Return on Equity (ROE) | 12.2936% | 1,228 |
| Retained earnings to average equity (ytd only) | 3.1534% | 3,210 |
| Net charge-offs to loans | 0.0277% | 1,042 |
| Credit loss provision to net charge-offs | -7,766.6667% | 3,552 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,341 |
| Efficiency ratio | 92.7052% | 433 |
| Assets per employee ($millions) | 4.9080% | 3,828 |
| Cash dividends to net income (ytd only)* | 74.3494% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1477% | 485 |
| Loan loss allowance to noncurrent loans | 38.8186% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.7483% | 76 |
| Noncurrent loans to loans | 5.5327% | 54 |
| Net loans and leases to total assets | 47.4463% | 3,442 |
| Net loans and leases to deposits | 55.2355% | 3,323 |
| Net loans and leases to core deposits | 56.8260% | 3,390 |
| Total domestic deposits to total assets | 85.8983% | 3,299 |
| Equity capital to assets | 8.5914% | 3,087 |
| Core capital (leverage) ratio | 11.6900% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7584% | 792 |
| Memoranda: | ||
| Average total assets | $88,099,500 | 4,121 |
| Average earning assets | $80,888,500 | 4,130 |
| Average equity | $8,752,500 | 4,180 |
| Average total loans | $43,298,500 | 4,096 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0060% | 3,863 |
| Cost of funding earning assets | 0.5809% | 601 |
| Net interest margin | 2.4250% | 4,292 |
| Noninterest income to average assets | 0.8528% | 1,317 |
| Noninterest expense to average assets | 2.4814% | 2,239 |
| Loan and lease loss provision to assets | 0.2020% | 528 |
| Net operating income to assets | 0.3726% | 4,315 |
| Return on assets (ROA) | 0.3940% | 4,314 |
| Pretax return on assets | 0.4097% | 4,381 |
| Return on Equity (ROE) | 3.5284% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.0291% | 3,971 |
| Net charge-offs to loans | 0.6235% | 125 |
| Credit loss provision to net charge-offs | 62.1993% | 2,056 |
| Earnings coverage of net charge-offs (x) | 1.8144% | 2,601 |
| Efficiency ratio | 80.8070% | 761 |
| Assets per employee ($millions) | 4.6239% | 4,018 |
| Cash dividends to net income (ytd only)* | 42.4929% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6416% | 231 |
| Loan loss allowance to noncurrent loans | 46.5378% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.8945% | 79 |
| Noncurrent loans to loans | 5.6763% | 55 |
| Net loans and leases to total assets | 48.4947% | 3,451 |
| Net loans and leases to deposits | 58.3846% | 3,219 |
| Net loans and leases to core deposits | 60.1307% | 3,306 |
| Total domestic deposits to total assets | 83.0607% | 3,793 |
| Equity capital to assets | 11.2856% | 1,613 |
| Core capital (leverage) ratio | 11.7153% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2611% | 858 |
| Memoranda: | ||
| Average total assets | $89,585,200 | 4,101 |
| Average earning assets | $81,936,600 | 4,102 |
| Average equity | $10,004,400 | 4,130 |
| Average total loans | $46,668,400 | 4,059 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9457% | 4,093 |
| Cost of funding earning assets | 0.5924% | 665 |
| Net interest margin | 2.3534% | 4,441 |
| Noninterest income to average assets | 0.8280% | 1,447 |
| Noninterest expense to average assets | 2.3224% | 2,685 |
| Loan and lease loss provision to assets | 0.2666% | 327 |
| Net operating income to assets | 0.3817% | 4,397 |
| Return on assets (ROA) | 0.4073% | 4,393 |
| Pretax return on assets | 0.4251% | 4,460 |
| Return on Equity (ROE) | 3.6568% | 4,359 |
| Retained earnings to average equity (ytd only) | 1.6622% | 4,282 |
| Net charge-offs to loans | 0.8017% | 87 |
| Credit loss provision to net charge-offs | 63.1579% | 1,787 |
| Earnings coverage of net charge-offs (x) | 1.5754% | 2,373 |
| Efficiency ratio | 77.7392% | 897 |
| Assets per employee ($millions) | 4.6175% | 4,036 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6178% | 236 |
| Loan loss allowance to noncurrent loans | 43.0478% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 3.1414% | 73 |
| Noncurrent loans to loans | 6.0810% | 56 |
| Net loans and leases to total assets | 49.2295% | 3,500 |
| Net loans and leases to deposits | 59.4257% | 3,278 |
| Net loans and leases to core deposits | 61.2094% | 3,385 |
| Total domestic deposits to total assets | 82.8421% | 3,746 |
| Equity capital to assets | 11.4907% | 1,689 |
| Core capital (leverage) ratio | 11.4092% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8921% | 979 |
| Memoranda: | ||
| Average total assets | $90,017,750 | 4,149 |
| Average earning assets | $82,603,500 | 4,152 |
| Average equity | $10,026,750 | 4,183 |
| Average total loans | $47,395,250 | 4,107 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8813% | 4,246 |
| Cost of funding earning assets | 0.6123% | 704 |
| Net interest margin | 2.2690% | 4,543 |
| Noninterest income to average assets | 0.5750% | 2,317 |
| Noninterest expense to average assets | 2.4058% | 2,441 |
| Loan and lease loss provision to assets | 0.3988% | 158 |
| Net operating income to assets | -0.1476% | 4,817 |
| Return on assets (ROA) | -0.1212% | 4,816 |
| Pretax return on assets | -0.1212% | 4,809 |
| Return on Equity (ROE) | -1.0990% | 4,823 |
| Retained earnings to average equity (ytd only) | -4.0964% | 4,762 |
| Net charge-offs to loans | 1.3757% | 50 |
| Credit loss provision to net charge-offs | 54.3544% | 1,583 |
| Earnings coverage of net charge-offs (x) | 0.3423% | 2,194 |
| Efficiency ratio | 90.5473% | 329 |
| Assets per employee ($millions) | 4.5188% | 4,096 |
| Cash dividends to net income (ytd only)* | -272.7273% | 4,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3319% | 342 |
| Loan loss allowance to noncurrent loans | 30.5876% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 4.1604% | 51 |
| Noncurrent loans to loans | 7.6237% | 32 |
| Net loans and leases to total assets | 51.6265% | 3,380 |
| Net loans and leases to deposits | 61.7039% | 3,233 |
| Net loans and leases to core deposits | 63.9580% | 3,289 |
| Total domestic deposits to total assets | 83.6682% | 3,528 |
| Equity capital to assets | 10.8358% | 2,118 |
| Core capital (leverage) ratio | 11.0501% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9238% | 1,139 |
| Memoranda: | ||
| Average total assets | $90,779,667 | 4,166 |
| Average earning assets | $83,297,000 | 4,167 |
| Average equity | $10,008,667 | 4,199 |
| Average total loans | $48,410,000 | 4,111 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8563% | 4,309 |
| Cost of funding earning assets | 0.6379% | 738 |
| Net interest margin | 2.2184% | 4,598 |
| Noninterest income to average assets | 0.5364% | 2,449 |
| Noninterest expense to average assets | 2.6203% | 1,827 |
| Loan and lease loss provision to assets | 0.3957% | 196 |
| Net operating income to assets | -0.4309% | 4,880 |
| Return on assets (ROA) | -0.4177% | 4,881 |
| Pretax return on assets | -0.4177% | 4,880 |
| Return on Equity (ROE) | -3.7562% | 4,889 |
| Retained earnings to average equity (ytd only) | -9.6871% | 4,811 |
| Net charge-offs to loans | 1.9208% | 39 |
| Credit loss provision to net charge-offs | 38.4615% | 1,358 |
| Earnings coverage of net charge-offs (x) | -0.0342% | 1,890 |
| Efficiency ratio | 101.3605% | 177 |
| Assets per employee ($millions) | 4.5970% | 4,017 |
| Cash dividends to net income (ytd only)* | -157.8947% | 4,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2913% | 371 |
| Loan loss allowance to noncurrent loans | 29.1656% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 4.3126% | 47 |
| Noncurrent loans to loans | 7.8562% | 35 |
| Net loans and leases to total assets | 52.0405% | 3,447 |
| Net loans and leases to deposits | 62.0104% | 3,315 |
| Net loans and leases to core deposits | 64.2289% | 3,391 |
| Total domestic deposits to total assets | 83.9221% | 3,464 |
| Equity capital to assets | 10.6548% | 2,126 |
| Core capital (leverage) ratio | 10.2887% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8550% | 1,344 |
| Memoranda: | ||
| Average total assets | $90,981,500 | 4,173 |
| Average earning assets | $84,023,500 | 4,165 |
| Average equity | $10,116,500 | 4,200 |
| Average total loans | $48,729,000 | 4,131 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7291% | 3,499 |
| Cost of funding earning assets | 0.7846% | 1,276 |
| Net interest margin | 2.9445% | 4,022 |
| Noninterest income to average assets | 0.5043% | 2,615 |
| Noninterest expense to average assets | 2.5865% | 2,594 |
| Loan and lease loss provision to assets | 0.4215% | 707 |
| Net operating income to assets | 0.1876% | 4,587 |
| Return on assets (ROA) | 0.4017% | 4,324 |
| Pretax return on assets | 0.4127% | 4,403 |
| Return on Equity (ROE) | 3.5476% | 4,257 |
| Retained earnings to average equity (ytd only) | 2.8653% | 3,437 |
| Net charge-offs to loans | 0.6068% | 251 |
| Credit loss provision to net charge-offs | 117.4847% | 2,656 |
| Earnings coverage of net charge-offs (x) | 1.7055% | 3,239 |
| Efficiency ratio | 80.8276% | 830 |
| Assets per employee ($millions) | 4.5012% | 3,914 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6088% | 223 |
| Loan loss allowance to noncurrent loans | 30.1981% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 4.7843% | 46 |
| Noncurrent loans to loans | 8.6389% | 32 |
| Net loans and leases to total assets | 52.4588% | 3,632 |
| Net loans and leases to deposits | 63.4344% | 3,481 |
| Net loans and leases to core deposits | 65.2784% | 3,603 |
| Total domestic deposits to total assets | 82.6978% | 3,496 |
| Equity capital to assets | 11.5937% | 1,815 |
| Core capital (leverage) ratio | 10.8742% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6016% | 1,124 |
| Memoranda: | ||
| Average total assets | $90,623,000 | 4,113 |
| Average earning assets | $82,968,600 | 4,117 |
| Average equity | $10,260,600 | 4,169 |
| Average total loans | $53,722,000 | 4,032 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 3,338 |
| Cost of funding earning assets | 0.8118% | 1,436 |
| Net interest margin | 3.0640% | 3,829 |
| Noninterest income to average assets | 0.4759% | 2,712 |
| Noninterest expense to average assets | 2.7261% | 2,183 |
| Loan and lease loss provision to assets | 0.4263% | 784 |
| Net operating income to assets | 0.1187% | 4,683 |
| Return on assets (ROA) | 0.2996% | 4,495 |
| Pretax return on assets | 0.3099% | 4,535 |
| Return on Equity (ROE) | 2.6623% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.7488% | 4,013 |
| Net charge-offs to loans | 0.7584% | 185 |
| Credit loss provision to net charge-offs | 92.6518% | 2,685 |
| Earnings coverage of net charge-offs (x) | 1.1949% | 3,086 |
| Efficiency ratio | 83.2287% | 656 |
| Assets per employee ($millions) | 4.5619% | 3,769 |
| Cash dividends to net income (ytd only)* | 34.3137% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2879% | 302 |
| Loan loss allowance to noncurrent loans | 27.6264% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 4.8347% | 54 |
| Noncurrent loans to loans | 8.2817% | 39 |
| Net loans and leases to total assets | 55.5159% | 3,661 |
| Net loans and leases to deposits | 66.8987% | 3,552 |
| Net loans and leases to core deposits | 68.8109% | 3,707 |
| Total domestic deposits to total assets | 82.9850% | 3,148 |
| Equity capital to assets | 11.3627% | 2,107 |
| Core capital (leverage) ratio | 10.3068% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9205% | 1,273 |
| Memoranda: | ||
| Average total assets | $90,773,000 | 4,120 |
| Average earning assets | $82,939,500 | 4,116 |
| Average equity | $10,216,500 | 4,189 |
| Average total loans | $55,030,000 | 4,021 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 3,166 |
| Cost of funding earning assets | 0.8543% | 1,579 |
| Net interest margin | 3.2037% | 3,659 |
| Noninterest income to average assets | 0.4524% | 2,793 |
| Noninterest expense to average assets | 2.7059% | 2,370 |
| Loan and lease loss provision to assets | 0.4370% | 886 |
| Net operating income to assets | 0.2164% | 4,552 |
| Return on assets (ROA) | 0.2207% | 4,584 |
| Pretax return on assets | 0.2273% | 4,607 |
| Return on Equity (ROE) | 1.9673% | 4,539 |
| Retained earnings to average equity (ytd only) | 0.5902% | 4,190 |
| Net charge-offs to loans | 1.1944% | 114 |
| Credit loss provision to net charge-offs | 59.4030% | 2,590 |
| Earnings coverage of net charge-offs (x) | 0.8925% | 2,898 |
| Efficiency ratio | 80.3934% | 865 |
| Assets per employee ($millions) | 4.8483% | 3,361 |
| Cash dividends to net income (ytd only)* | 70.0000% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 482 |
| Loan loss allowance to noncurrent loans | 22.7668% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 4.9822% | 54 |
| Noncurrent loans to loans | 8.5348% | 35 |
| Net loans and leases to total assets | 55.8423% | 3,701 |
| Net loans and leases to deposits | 66.5552% | 3,674 |
| Net loans and leases to core deposits | 68.3143% | 3,843 |
| Total domestic deposits to total assets | 83.9036% | 2,781 |
| Equity capital to assets | 10.7388% | 2,538 |
| Core capital (leverage) ratio | 10.3197% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5844% | 1,605 |
| Memoranda: | ||
| Average total assets | $90,618,333 | 4,122 |
| Average earning assets | $82,406,000 | 4,135 |
| Average equity | $10,166,333 | 4,205 |
| Average total loans | $56,094,333 | 4,017 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 2,405 |
| Cost of funding earning assets | 0.9459% | 1,663 |
| Net interest margin | 3.5204% | 2,910 |
| Noninterest income to average assets | 0.4666% | 2,717 |
| Noninterest expense to average assets | 2.7354% | 2,614 |
| Loan and lease loss provision to assets | 0.4895% | 603 |
| Net operating income to assets | 0.4117% | 4,111 |
| Return on assets (ROA) | 0.4117% | 4,146 |
| Pretax return on assets | 0.4254% | 4,251 |
| Return on Equity (ROE) | 3.5846% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.5846% | 2,857 |
| Net charge-offs to loans | 1.9246% | 73 |
| Credit loss provision to net charge-offs | 39.3382% | 2,100 |
| Earnings coverage of net charge-offs (x) | 0.7353% | 2,446 |
| Efficiency ratio | 74.9373% | 1,694 |
| Assets per employee ($millions) | 4.4152% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 622 |
| Loan loss allowance to noncurrent loans | 20.6161% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 5.8684% | 49 |
| Noncurrent loans to loans | 9.1567% | 34 |
| Net loans and leases to total assets | 61.4475% | 3,356 |
| Net loans and leases to deposits | 74.2271% | 3,247 |
| Net loans and leases to core deposits | 76.4172% | 3,467 |
| Total domestic deposits to total assets | 82.7831% | 3,183 |
| Equity capital to assets | 11.3473% | 2,553 |
| Core capital (leverage) ratio | 11.3035% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2484% | 1,827 |
| Memoranda: | ||
| Average total assets | $87,444,500 | 4,168 |
| Average earning assets | $79,082,000 | 4,187 |
| Average equity | $10,043,000 | 4,238 |
| Average total loans | $56,531,000 | 4,020 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9311% | 1,659 |
| Cost of funding earning assets | 1.0532% | 1,501 |
| Net interest margin | 3.8778% | 2,253 |
| Noninterest income to average assets | 0.5015% | 2,731 |
| Noninterest expense to average assets | 3.1006% | 1,758 |
| Loan and lease loss provision to assets | 0.4434% | 309 |
| Net operating income to assets | 0.4864% | 4,434 |
| Return on assets (ROA) | 0.4909% | 4,471 |
| Pretax return on assets | 0.5158% | 4,547 |
| Return on Equity (ROE) | 4.1731% | 4,424 |
| Retained earnings to average equity (ytd only) | 3.1651% | 3,436 |
| Net charge-offs to loans | 0.7802% | 214 |
| Credit loss provision to net charge-offs | 84.4244% | 2,740 |
| Earnings coverage of net charge-offs (x) | 1.8172% | 3,489 |
| Efficiency ratio | 76.4620% | 1,312 |
| Assets per employee ($millions) | 4.3293% | 3,464 |
| Cash dividends to net income (ytd only)* | 24.1546% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0932% | 395 |
| Loan loss allowance to noncurrent loans | 25.8444% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 5.4824% | 42 |
| Noncurrent loans to loans | 8.0993% | 37 |
| Net loans and leases to total assets | 65.3096% | 3,039 |
| Net loans and leases to deposits | 79.4506% | 2,844 |
| Net loans and leases to core deposits | 81.8448% | 3,139 |
| Total domestic deposits to total assets | 82.2015% | 3,456 |
| Equity capital to assets | 11.6254% | 2,402 |
| Core capital (leverage) ratio | 11.2472% | 2,297 |
| Tier 1 risk-based capital ratio | 13.4744% | 3,536 |
| Total risk-based capital ratio | 14.7300% | 3,424 |
| Memoranda: | ||
| Average total assets | $84,339,600 | 4,221 |
| Average earning assets | $77,285,200 | 4,225 |
| Average equity | $9,920,800 | 4,253 |
| Average total loans | $56,777,400 | 4,035 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 1,611 |
| Cost of funding earning assets | 1.0663% | 1,484 |
| Net interest margin | 3.9088% | 2,219 |
| Noninterest income to average assets | 0.4981% | 2,742 |
| Noninterest expense to average assets | 3.0747% | 1,770 |
| Loan and lease loss provision to assets | 0.4520% | 277 |
| Net operating income to assets | 0.5445% | 4,420 |
| Return on assets (ROA) | 0.5506% | 4,458 |
| Pretax return on assets | 0.5713% | 4,592 |
| Return on Equity (ROE) | 4.6671% | 4,435 |
| Retained earnings to average equity (ytd only) | 4.6671% | 3,073 |
| Net charge-offs to loans | 0.7429% | 212 |
| Credit loss provision to net charge-offs | 90.1587% | 2,392 |
| Earnings coverage of net charge-offs (x) | 2.0286% | 3,229 |
| Efficiency ratio | 75.1459% | 1,431 |
| Assets per employee ($millions) | 4.2102% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 315 |
| Loan loss allowance to noncurrent loans | 23.4884% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 6.3869% | 40 |
| Noncurrent loans to loans | 9.5188% | 33 |
| Net loans and leases to total assets | 64.7558% | 3,209 |
| Net loans and leases to deposits | 79.2302% | 2,985 |
| Net loans and leases to core deposits | 82.6931% | 3,201 |
| Total domestic deposits to total assets | 81.7313% | 3,553 |
| Equity capital to assets | 12.1229% | 2,169 |
| Core capital (leverage) ratio | 11.7589% | 2,038 |
| Tier 1 risk-based capital ratio | 13.9315% | 3,362 |
| Total risk-based capital ratio | 15.1894% | 3,275 |
| Memoranda: | ||
| Average total assets | $83,778,000 | 4,282 |
| Average earning assets | $77,021,250 | 4,283 |
| Average equity | $9,884,500 | 4,298 |
| Average total loans | $56,532,250 | 4,086 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 1,237 |
| Cost of funding earning assets | 1.0622% | 1,442 |
| Net interest margin | 4.0308% | 1,829 |
| Noninterest income to average assets | 0.4902% | 2,731 |
| Noninterest expense to average assets | 2.9891% | 2,031 |
| Loan and lease loss provision to assets | 0.4424% | 275 |
| Net operating income to assets | 0.7413% | 3,862 |
| Return on assets (ROA) | 0.7413% | 3,924 |
| Pretax return on assets | 0.7700% | 4,167 |
| Return on Equity (ROE) | 6.3416% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.3416% | 2,119 |
| Net charge-offs to loans | -0.0740% | 4,938 |
| Credit loss provision to net charge-offs | -880.9524% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1440% | 2,046 |
| Assets per employee ($millions) | 4.0349% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6454% | 185 |
| Loan loss allowance to noncurrent loans | 21.2273% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 8.3617% | 24 |
| Noncurrent loans to loans | 12.4623% | 17 |
| Net loans and leases to total assets | 64.4538% | 3,291 |
| Net loans and leases to deposits | 82.1742% | 2,712 |
| Net loans and leases to core deposits | 85.8898% | 2,969 |
| Total domestic deposits to total assets | 78.4355% | 4,324 |
| Equity capital to assets | 11.9518% | 2,222 |
| Core capital (leverage) ratio | 11.9436% | 1,861 |
| Tier 1 risk-based capital ratio | 13.7345% | 3,462 |
| Total risk-based capital ratio | 14.9944% | 3,352 |
| Memoranda: | ||
| Average total assets | $83,636,000 | 4,314 |
| Average earning assets | $77,008,000 | 4,309 |
| Average equity | $9,776,670 | 4,333 |
| Average total loans | $56,785,000 | 4,111 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 2,501 |
| Cost of funding earning assets | 1.0276% | 1,454 |
| Net interest margin | 3.5807% | 3,325 |
| Noninterest income to average assets | 0.5103% | 2,491 |
| Noninterest expense to average assets | 2.9222% | 2,212 |
| Loan and lease loss provision to assets | 0.4333% | 259 |
| Net operating income to assets | 0.4285% | 4,670 |
| Return on assets (ROA) | 0.4285% | 4,682 |
| Pretax return on assets | 0.4429% | 4,785 |
| Return on Equity (ROE) | 3.7078% | 4,636 |
| Retained earnings to average equity (ytd only) | 3.7078% | 3,439 |
| Net charge-offs to loans | -0.2030% | 5,174 |
| Credit loss provision to net charge-offs | -310.3448% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9328% | 1,385 |
| Assets per employee ($millions) | 3.7694% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4853% | 252 |
| Loan loss allowance to noncurrent loans | 21.4100% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 7.9818% | 27 |
| Noncurrent loans to loans | 11.6083% | 20 |
| Net loans and leases to total assets | 66.0987% | 3,039 |
| Net loans and leases to deposits | 84.2810% | 2,352 |
| Net loans and leases to core deposits | 88.1791% | 2,661 |
| Total domestic deposits to total assets | 78.4265% | 4,448 |
| Equity capital to assets | 11.7683% | 2,177 |
| Core capital (leverage) ratio | 11.5990% | 2,053 |
| Tier 1 risk-based capital ratio | 13.6159% | 3,545 |
| Total risk-based capital ratio | 14.8744% | 3,452 |
| Memoranda: | ||
| Average total assets | $83,088,000 | 4,365 |
| Average earning assets | $76,297,500 | 4,366 |
| Average equity | $9,601,500 | 4,389 |
| Average total loans | $57,129,000 | 4,145 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7815% | 1,590 |
| Cost of funding earning assets | 0.8753% | 1,192 |
| Net interest margin | 3.9062% | 2,307 |
| Noninterest income to average assets | 0.5302% | 2,657 |
| Noninterest expense to average assets | 2.7350% | 2,914 |
| Loan and lease loss provision to assets | 0.7852% | 126 |
| Net operating income to assets | 0.5794% | 4,471 |
| Return on assets (ROA) | 0.5805% | 4,475 |
| Pretax return on assets | 0.6009% | 4,627 |
| Return on Equity (ROE) | 4.9310% | 4,467 |
| Retained earnings to average equity (ytd only) | -0.8235% | 5,073 |
| Net charge-offs to loans | 1.0568% | 138 |
| Credit loss provision to net charge-offs | 108.4298% | 2,362 |
| Earnings coverage of net charge-offs (x) | 1.9124% | 3,577 |
| Efficiency ratio | 66.3858% | 2,801 |
| Assets per employee ($millions) | 4.1784% | 3,640 |
| Cash dividends to net income (ytd only)* | 116.7010% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0856% | 410 |
| Loan loss allowance to noncurrent loans | 46.8521% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 3.2106% | 177 |
| Noncurrent loans to loans | 4.4514% | 142 |
| Net loans and leases to total assets | 68.1457% | 2,864 |
| Net loans and leases to deposits | 88.6806% | 1,968 |
| Net loans and leases to core deposits | 92.3326% | 2,382 |
| Total domestic deposits to total assets | 76.8440% | 4,648 |
| Equity capital to assets | 11.6695% | 2,123 |
| Core capital (leverage) ratio | 11.9568% | 1,767 |
| Tier 1 risk-based capital ratio | 13.9443% | 3,317 |
| Total risk-based capital ratio | 15.2005% | 3,240 |
| Memoranda: | ||
| Average total assets | $83,546,000 | 4,365 |
| Average earning assets | $76,775,200 | 4,364 |
| Average equity | $9,835,800 | 4,329 |
| Average total loans | $57,249,200 | 4,159 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 1,642 |
| Cost of funding earning assets | 0.8212% | 1,238 |
| Net interest margin | 3.8888% | 2,344 |
| Noninterest income to average assets | 0.5139% | 2,778 |
| Noninterest expense to average assets | 2.7579% | 2,782 |
| Loan and lease loss provision to assets | 0.9001% | 98 |
| Net operating income to assets | 0.4166% | 4,921 |
| Return on assets (ROA) | 0.4166% | 4,927 |
| Pretax return on assets | 0.4309% | 5,000 |
| Return on Equity (ROE) | 3.5305% | 4,918 |
| Retained earnings to average equity (ytd only) | 0.3517% | 4,981 |
| Net charge-offs to loans | 1.3819% | 90 |
| Credit loss provision to net charge-offs | 95.4315% | 2,359 |
| Earnings coverage of net charge-offs (x) | 1.4112% | 3,349 |
| Efficiency ratio | 67.4473% | 2,637 |
| Assets per employee ($millions) | 4.1458% | 3,663 |
| Cash dividends to net income (ytd only)* | 90.0399% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0071% | 478 |
| Loan loss allowance to noncurrent loans | 44.2840% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 3.2045% | 210 |
| Noncurrent loans to loans | 4.5324% | 163 |
| Net loans and leases to total assets | 66.8311% | 3,088 |
| Net loans and leases to deposits | 85.8597% | 2,385 |
| Net loans and leases to core deposits | 90.0146% | 2,661 |
| Total domestic deposits to total assets | 77.8375% | 4,501 |
| Equity capital to assets | 11.6830% | 2,120 |
| Core capital (leverage) ratio | 12.0703% | 1,746 |
| Tier 1 risk-based capital ratio | 14.4438% | 3,153 |
| Total risk-based capital ratio | 15.6987% | 3,069 |
| Memoranda: | ||
| Average total assets | $83,540,500 | 4,413 |
| Average earning assets | $76,800,000 | 4,415 |
| Average equity | $9,856,750 | 4,362 |
| Average total loans | $57,021,250 | 4,207 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 1,730 |
| Cost of funding earning assets | 0.7941% | 1,147 |
| Net interest margin | 3.8229% | 2,490 |
| Noninterest income to average assets | 0.4943% | 2,892 |
| Noninterest expense to average assets | 2.7750% | 2,741 |
| Loan and lease loss provision to assets | 0.8334% | 104 |
| Net operating income to assets | 0.4012% | 4,960 |
| Return on assets (ROA) | 0.4012% | 4,966 |
| Pretax return on assets | 0.4155% | 5,027 |
| Return on Equity (ROE) | 3.3894% | 4,949 |
| Retained earnings to average equity (ytd only) | 0.1614% | 4,926 |
| Net charge-offs to loans | 0.8884% | 152 |
| Credit loss provision to net charge-offs | 137.4016% | 1,664 |
| Earnings coverage of net charge-offs (x) | 2.0591% | 3,002 |
| Efficiency ratio | 68.9614% | 2,496 |
| Assets per employee ($millions) | 4.4561% | 3,192 |
| Cash dividends to net income (ytd only)* | 95.2381% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2336% | 350 |
| Loan loss allowance to noncurrent loans | 43.9357% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 3.4902% | 179 |
| Noncurrent loans to loans | 5.0838% | 132 |
| Net loans and leases to total assets | 64.9855% | 3,278 |
| Net loans and leases to deposits | 77.9519% | 3,165 |
| Net loans and leases to core deposits | 81.3833% | 3,293 |
| Total domestic deposits to total assets | 83.3662% | 3,299 |
| Equity capital to assets | 11.5408% | 2,168 |
| Core capital (leverage) ratio | 11.8765% | 1,787 |
| Tier 1 risk-based capital ratio | 14.2759% | 3,218 |
| Total risk-based capital ratio | 15.5334% | 3,137 |
| Memoranda: | ||
| Average total assets | $83,749,000 | 4,456 |
| Average earning assets | $77,323,000 | 4,449 |
| Average equity | $9,913,330 | 4,389 |
| Average total loans | $57,179,000 | 4,237 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 1,551 |
| Cost of funding earning assets | 0.7604% | 1,138 |
| Net interest margin | 3.8436% | 2,247 |
| Noninterest income to average assets | 0.5619% | 2,463 |
| Noninterest expense to average assets | 2.8046% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2726% | 1,735 |
| Return on assets (ROA) | 1.2726% | 1,741 |
| Pretax return on assets | 1.3255% | 2,268 |
| Return on Equity (ROE) | 10.6165% | 2,123 |
| Retained earnings to average equity (ytd only) | 8.2127% | 1,762 |
| Net charge-offs to loans | 0.6594% | 228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.9053% | 2,424 |
| Efficiency ratio | 67.9070% | 2,845 |
| Assets per employee ($millions) | 4.1926% | 3,662 |
| Cash dividends to net income (ytd only)* | 22.6415% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8899% | 670 |
| Loan loss allowance to noncurrent loans | 46.6346% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.8407% | 293 |
| Noncurrent loans to loans | 4.0525% | 246 |
| Net loans and leases to total assets | 66.0592% | 3,024 |
| Net loans and leases to deposits | 79.5759% | 2,860 |
| Net loans and leases to core deposits | 83.1300% | 3,050 |
| Total domestic deposits to total assets | 83.0141% | 3,660 |
| Equity capital to assets | 11.9186% | 1,848 |
| Core capital (leverage) ratio | 11.5935% | 1,938 |
| Tier 1 risk-based capital ratio | 13.8448% | 3,472 |
| Total risk-based capital ratio | 15.0979% | 3,380 |
| Memoranda: | ||
| Average total assets | $83,291,000 | 4,508 |
| Average earning assets | $77,323,000 | 4,504 |
| Average equity | $9,984,500 | 4,427 |
| Average total loans | $57,630,000 | 4,262 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 2,010 |
| Cost of funding earning assets | 0.7247% | 913 |
| Net interest margin | 3.6829% | 2,869 |
| Noninterest income to average assets | 0.5636% | 2,640 |
| Noninterest expense to average assets | 2.7939% | 2,798 |
| Loan and lease loss provision to assets | 0.2149% | 918 |
| Net operating income to assets | 0.9160% | 2,621 |
| Return on assets (ROA) | 0.8931% | 2,777 |
| Pretax return on assets | 0.9289% | 3,815 |
| Return on Equity (ROE) | 7.3922% | 3,076 |
| Retained earnings to average equity (ytd only) | 2.2038% | 4,002 |
| Net charge-offs to loans | 0.3262% | 780 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 5.4333% | 3,327 |
| Efficiency ratio | 70.5244% | 2,465 |
| Assets per employee ($millions) | 4.1461% | 3,748 |
| Cash dividends to net income (ytd only)* | 70.1872% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 1,058 |
| Loan loss allowance to noncurrent loans | 39.9170% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 3.0270% | 265 |
| Noncurrent loans to loans | 4.0986% | 226 |
| Net loans and leases to total assets | 69.7519% | 2,558 |
| Net loans and leases to deposits | 86.8558% | 2,151 |
| Net loans and leases to core deposits | 90.2860% | 2,539 |
| Total domestic deposits to total assets | 80.3078% | 4,277 |
| Equity capital to assets | 12.2599% | 1,665 |
| Core capital (leverage) ratio | 11.9196% | 1,651 |
| Tier 1 risk-based capital ratio | 13.9733% | 3,377 |
| Total risk-based capital ratio | 15.2244% | 3,283 |
| Memoranda: | ||
| Average total assets | $83,752,600 | 4,517 |
| Average earning assets | $77,277,000 | 4,515 |
| Average equity | $10,118,800 | 4,428 |
| Average total loans | $55,187,000 | 4,319 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 2,172 |
| Cost of funding earning assets | 0.7193% | 887 |
| Net interest margin | 3.6118% | 3,104 |
| Noninterest income to average assets | 0.5558% | 2,697 |
| Noninterest expense to average assets | 2.6488% | 3,251 |
| Loan and lease loss provision to assets | 0.1985% | 959 |
| Net operating income to assets | 0.9944% | 2,579 |
| Return on assets (ROA) | 1.0020% | 2,593 |
| Pretax return on assets | 1.0417% | 3,520 |
| Return on Equity (ROE) | 8.3240% | 2,967 |
| Retained earnings to average equity (ytd only) | 3.3771% | 3,916 |
| Net charge-offs to loans | 0.3414% | 614 |
| Credit loss provision to net charge-offs | 89.9281% | 2,465 |
| Earnings coverage of net charge-offs (x) | 5.5827% | 3,086 |
| Efficiency ratio | 68.2488% | 2,834 |
| Assets per employee ($millions) | 4.4323% | 3,272 |
| Cash dividends to net income (ytd only)* | 59.4299% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 968 |
| Loan loss allowance to noncurrent loans | 36.3218% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 3.0992% | 282 |
| Noncurrent loans to loans | 4.7815% | 176 |
| Net loans and leases to total assets | 63.6913% | 3,450 |
| Net loans and leases to deposits | 78.2200% | 3,141 |
| Net loans and leases to core deposits | 81.5288% | 3,322 |
| Total domestic deposits to total assets | 81.4259% | 3,938 |
| Equity capital to assets | 12.3352% | 1,753 |
| Core capital (leverage) ratio | 12.0167% | 1,675 |
| Tier 1 risk-based capital ratio | 14.6441% | 3,107 |
| Total risk-based capital ratio | 15.8963% | 3,022 |
| Memoranda: | ||
| Average total assets | $83,960,500 | 4,558 |
| Average earning assets | $77,300,750 | 4,560 |
| Average equity | $10,107,000 | 4,473 |
| Average total loans | $54,283,500 | 4,387 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 2,193 |
| Cost of funding earning assets | 0.7079% | 859 |
| Net interest margin | 3.5730% | 3,137 |
| Noninterest income to average assets | 0.5532% | 2,698 |
| Noninterest expense to average assets | 2.6658% | 3,218 |
| Loan and lease loss provision to assets | 0.2981% | 519 |
| Net operating income to assets | 0.8542% | 3,140 |
| Return on assets (ROA) | 0.8679% | 3,135 |
| Pretax return on assets | 0.9013% | 3,928 |
| Return on Equity (ROE) | 7.2703% | 3,412 |
| Retained earnings to average equity (ytd only) | 2.7763% | 4,045 |
| Net charge-offs to loans | 0.5168% | 376 |
| Credit loss provision to net charge-offs | 89.2857% | 2,152 |
| Earnings coverage of net charge-offs (x) | 3.5500% | 3,032 |
| Efficiency ratio | 69.2260% | 2,812 |
| Assets per employee ($millions) | 4.2347% | 3,546 |
| Cash dividends to net income (ytd only)* | 61.8132% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 998 |
| Loan loss allowance to noncurrent loans | 39.6566% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.9636% | 313 |
| Noncurrent loans to loans | 4.3840% | 192 |
| Net loans and leases to total assets | 63.1977% | 3,491 |
| Net loans and leases to deposits | 76.4967% | 3,288 |
| Net loans and leases to core deposits | 79.6618% | 3,444 |
| Total domestic deposits to total assets | 82.6149% | 3,680 |
| Equity capital to assets | 12.1698% | 1,816 |
| Core capital (leverage) ratio | 11.9729% | 1,643 |
| Tier 1 risk-based capital ratio | 14.4898% | 3,172 |
| Total risk-based capital ratio | 15.7433% | 3,090 |
| Memoranda: | ||
| Average total assets | $83,876,000 | 4,593 |
| Average earning assets | $77,413,670 | 4,576 |
| Average equity | $10,013,330 | 4,507 |
| Average total loans | $54,183,000 | 4,414 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 2,134 |
| Cost of funding earning assets | 0.7042% | 828 |
| Net interest margin | 3.5365% | 3,138 |
| Noninterest income to average assets | 0.5463% | 2,681 |
| Noninterest expense to average assets | 2.6885% | 3,187 |
| Loan and lease loss provision to assets | 0.5990% | 161 |
| Net operating income to assets | 0.4936% | 4,627 |
| Return on assets (ROA) | 0.4936% | 4,647 |
| Pretax return on assets | 0.5080% | 4,954 |
| Return on Equity (ROE) | 4.1757% | 4,716 |
| Retained earnings to average equity (ytd only) | 0.1216% | 4,885 |
| Net charge-offs to loans | 1.0437% | 165 |
| Credit loss provision to net charge-offs | 88.6525% | 1,700 |
| Earnings coverage of net charge-offs (x) | 1.6383% | 2,705 |
| Efficiency ratio | 70.8333% | 2,771 |
| Assets per employee ($millions) | 4.1933% | 3,676 |
| Cash dividends to net income (ytd only)* | 97.0874% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 999 |
| Loan loss allowance to noncurrent loans | 41.6190% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.8557% | 364 |
| Noncurrent loans to loans | 4.2754% | 232 |
| Net loans and leases to total assets | 62.2636% | 3,501 |
| Net loans and leases to deposits | 75.0668% | 3,296 |
| Net loans and leases to core deposits | 78.1894% | 3,452 |
| Total domestic deposits to total assets | 82.9442% | 3,860 |
| Equity capital to assets | 11.8272% | 1,958 |
| Core capital (leverage) ratio | 11.7453% | 1,790 |
| Tier 1 risk-based capital ratio | 14.5133% | 3,192 |
| Total risk-based capital ratio | 15.7648% | 3,127 |
| Memoranda: | ||
| Average total assets | $83,467,500 | 4,648 |
| Average earning assets | $76,687,000 | 4,641 |
| Average equity | $9,866,500 | 4,560 |
| Average total loans | $54,039,000 | 4,453 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 1,983 |
| Cost of funding earning assets | 0.6854% | 884 |
| Net interest margin | 3.6632% | 2,852 |
| Noninterest income to average assets | 0.5435% | 2,957 |
| Noninterest expense to average assets | 2.8255% | 2,944 |
| Loan and lease loss provision to assets | 0.2711% | 744 |
| Net operating income to assets | 0.8053% | 3,281 |
| Return on assets (ROA) | 0.8742% | 3,067 |
| Pretax return on assets | 0.9106% | 3,809 |
| Return on Equity (ROE) | 7.1156% | 3,410 |
| Retained earnings to average equity (ytd only) | 1.1777% | 4,816 |
| Net charge-offs to loans | 0.2823% | 975 |
| Credit loss provision to net charge-offs | 139.3750% | 1,958 |
| Earnings coverage of net charge-offs (x) | 5.7063% | 3,299 |
| Efficiency ratio | 71.7949% | 2,619 |
| Assets per employee ($millions) | 4.1535% | 3,698 |
| Cash dividends to net income (ytd only)* | 83.4492% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7518% | 1,037 |
| Loan loss allowance to noncurrent loans | 37.8591% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 3.2058% | 290 |
| Noncurrent loans to loans | 4.6272% | 193 |
| Net loans and leases to total assets | 64.9484% | 3,227 |
| Net loans and leases to deposits | 78.5248% | 3,041 |
| Net loans and leases to core deposits | 81.8248% | 3,223 |
| Total domestic deposits to total assets | 82.7108% | 3,855 |
| Equity capital to assets | 11.8143% | 1,926 |
| Core capital (leverage) ratio | 11.9227% | 1,650 |
| Tier 1 risk-based capital ratio | 13.8165% | 3,569 |
| Total risk-based capital ratio | 15.0692% | 3,478 |
| Memoranda: | ||
| Average total assets | $82,250,800 | 4,691 |
| Average earning assets | $76,163,800 | 4,673 |
| Average equity | $10,104,600 | 4,552 |
| Average total loans | $56,676,200 | 4,392 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 1,978 |
| Cost of funding earning assets | 0.6738% | 929 |
| Net interest margin | 3.6859% | 2,773 |
| Noninterest income to average assets | 0.5363% | 3,001 |
| Noninterest expense to average assets | 2.7333% | 3,242 |
| Loan and lease loss provision to assets | 0.3624% | 432 |
| Net operating income to assets | 0.8294% | 3,238 |
| Return on assets (ROA) | 0.9214% | 2,925 |
| Pretax return on assets | 0.9588% | 3,779 |
| Return on Equity (ROE) | 7.4281% | 3,338 |
| Retained earnings to average equity (ytd only) | 1.5328% | 4,900 |
| Net charge-offs to loans | 0.3618% | 621 |
| Credit loss provision to net charge-offs | 143.8710% | 1,824 |
| Earnings coverage of net charge-offs (x) | 4.8646% | 3,211 |
| Efficiency ratio | 69.0476% | 3,034 |
| Assets per employee ($millions) | 4.0792% | 3,824 |
| Cash dividends to net income (ytd only)* | 79.3659% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 1,212 |
| Loan loss allowance to noncurrent loans | 37.8178% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 3.2838% | 324 |
| Noncurrent loans to loans | 4.5092% | 212 |
| Net loans and leases to total assets | 68.3218% | 2,752 |
| Net loans and leases to deposits | 83.4904% | 2,544 |
| Net loans and leases to core deposits | 86.7628% | 2,876 |
| Total domestic deposits to total assets | 81.8320% | 3,985 |
| Equity capital to assets | 12.5994% | 1,705 |
| Core capital (leverage) ratio | 12.0935% | 1,611 |
| Tier 1 risk-based capital ratio | 13.4145% | 3,910 |
| Total risk-based capital ratio | 14.6669% | 3,819 |
| Memoranda: | ||
| Average total assets | $82,046,250 | 4,731 |
| Average earning assets | $76,179,500 | 4,709 |
| Average equity | $10,177,250 | 4,586 |
| Average total loans | $57,116,750 | 4,402 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 1,933 |
| Cost of funding earning assets | 0.6576% | 1,014 |
| Net interest margin | 3.7061% | 2,674 |
| Noninterest income to average assets | 0.5207% | 3,061 |
| Noninterest expense to average assets | 2.6764% | 3,461 |
| Loan and lease loss provision to assets | 0.5426% | 226 |
| Net operating income to assets | 0.7038% | 3,768 |
| Return on assets (ROA) | 0.7786% | 3,554 |
| Pretax return on assets | 0.8078% | 4,253 |
| Return on Equity (ROE) | 6.3096% | 3,898 |
| Retained earnings to average equity (ytd only) | 0.3943% | 5,182 |
| Net charge-offs to loans | 0.5380% | 393 |
| Credit loss provision to net charge-offs | 144.8052% | 1,634 |
| Earnings coverage of net charge-offs (x) | 3.3961% | 3,117 |
| Efficiency ratio | 67.7757% | 3,385 |
| Assets per employee ($millions) | 4.1577% | 3,639 |
| Cash dividends to net income (ytd only)* | 93.7500% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 1,194 |
| Loan loss allowance to noncurrent loans | 43.0031% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 2.8538% | 438 |
| Noncurrent loans to loans | 4.0430% | 284 |
| Net loans and leases to total assets | 65.7932% | 3,108 |
| Net loans and leases to deposits | 79.9489% | 2,934 |
| Net loans and leases to core deposits | 82.9930% | 3,167 |
| Total domestic deposits to total assets | 82.2941% | 3,913 |
| Equity capital to assets | 12.2726% | 1,924 |
| Core capital (leverage) ratio | 11.8865% | 1,706 |
| Tier 1 risk-based capital ratio | 15.6219% | 2,816 |
| Total risk-based capital ratio | 16.8756% | 2,748 |
| Memoranda: | ||
| Average total assets | $82,200,670 | 4,766 |
| Average earning assets | $76,036,330 | 4,755 |
| Average equity | $10,143,330 | 4,619 |
| Average total loans | $57,253,670 | 4,424 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 1,708 |
| Cost of funding earning assets | 0.6337% | 1,130 |
| Net interest margin | 3.7969% | 2,298 |
| Noninterest income to average assets | 0.4454% | 3,520 |
| Noninterest expense to average assets | 2.6920% | 3,444 |
| Loan and lease loss provision to assets | 0.5482% | 213 |
| Net operating income to assets | 0.6983% | 3,726 |
| Return on assets (ROA) | 0.7782% | 3,463 |
| Pretax return on assets | 0.8076% | 4,169 |
| Return on Equity (ROE) | 6.2892% | 3,840 |
| Retained earnings to average equity (ytd only) | 0.3560% | 5,031 |
| Net charge-offs to loans | 0.8752% | 231 |
| Credit loss provision to net charge-offs | 88.1890% | 1,780 |
| Earnings coverage of net charge-offs (x) | 2.0472% | 2,737 |
| Efficiency ratio | 67.9012% | 3,478 |
| Assets per employee ($millions) | 4.5290% | 3,018 |
| Cash dividends to net income (ytd only)* | 94.3396% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,802 |
| Loan loss allowance to noncurrent loans | 39.2192% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 2.9146% | 443 |
| Noncurrent loans to loans | 3.9449% | 312 |
| Net loans and leases to total assets | 69.0035% | 2,497 |
| Net loans and leases to deposits | 84.0664% | 2,294 |
| Net loans and leases to core deposits | 87.3345% | 2,628 |
| Total domestic deposits to total assets | 82.0821% | 4,200 |
| Equity capital to assets | 12.4138% | 1,735 |
| Core capital (leverage) ratio | 12.0686% | 1,566 |
| Tier 1 risk-based capital ratio | 15.4093% | 2,969 |
| Total risk-based capital ratio | 16.6612% | 2,905 |
| Memoranda: | ||
| Average total assets | $81,724,500 | 4,824 |
| Average earning assets | $75,746,000 | 4,804 |
| Average equity | $10,112,500 | 4,641 |
| Average total loans | $58,042,000 | 4,440 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,177 |
| Cost of funding earning assets | 0.6180% | 1,250 |
| Net interest margin | 3.6970% | 2,759 |
| Noninterest income to average assets | 0.4979% | 3,343 |
| Noninterest expense to average assets | 2.6852% | 3,632 |
| Loan and lease loss provision to assets | 0.4825% | 239 |
| Net operating income to assets | 0.7264% | 3,686 |
| Return on assets (ROA) | 0.7500% | 3,665 |
| Pretax return on assets | 0.7769% | 4,274 |
| Return on Equity (ROE) | 5.8334% | 4,115 |
| Retained earnings to average equity (ytd only) | 0.8561% | 5,178 |
| Net charge-offs to loans | 0.8904% | 238 |
| Credit loss provision to net charge-offs | 76.9388% | 3,003 |
| Earnings coverage of net charge-offs (x) | 1.9694% | 3,997 |
| Efficiency ratio | 68.4949% | 3,479 |
| Assets per employee ($millions) | 4.3119% | 3,363 |
| Cash dividends to net income (ytd only)* | 85.3242% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 1,880 |
| Loan loss allowance to noncurrent loans | 37.6151% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 3.0661% | 426 |
| Noncurrent loans to loans | 4.0545% | 298 |
| Net loans and leases to total assets | 70.8533% | 2,233 |
| Net loans and leases to deposits | 85.4338% | 2,193 |
| Net loans and leases to core deposits | 88.6879% | 2,533 |
| Total domestic deposits to total assets | 82.9336% | 3,854 |
| Equity capital to assets | 12.3342% | 1,715 |
| Core capital (leverage) ratio | 12.5403% | 1,331 |
| Tier 1 risk-based capital ratio | 15.0331% | 3,168 |
| Total risk-based capital ratio | 16.2847% | 3,097 |
| Memoranda: | ||
| Average total assets | $78,132,600 | 4,909 |
| Average earning assets | $72,328,800 | 4,888 |
| Average equity | $10,045,600 | 4,656 |
| Average total loans | $55,032,800 | 4,527 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 2,204 |
| Cost of funding earning assets | 0.6196% | 1,282 |
| Net interest margin | 3.6878% | 2,817 |
| Noninterest income to average assets | 0.5079% | 3,312 |
| Noninterest expense to average assets | 2.6050% | 3,862 |
| Loan and lease loss provision to assets | 0.1900% | 1,071 |
| Net operating income to assets | 1.0913% | 2,052 |
| Return on assets (ROA) | 1.1228% | 1,989 |
| Pretax return on assets | 1.1695% | 2,932 |
| Return on Equity (ROE) | 8.6399% | 2,765 |
| Retained earnings to average equity (ytd only) | 1.9939% | 4,883 |
| Net charge-offs to loans | 0.2220% | 1,175 |
| Credit loss provision to net charge-offs | 122.2222% | 1,954 |
| Earnings coverage of net charge-offs (x) | 8.5331% | 2,806 |
| Efficiency ratio | 66.2566% | 3,848 |
| Assets per employee ($millions) | 4.5505% | 2,921 |
| Cash dividends to net income (ytd only)* | 76.9226% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 889 |
| Loan loss allowance to noncurrent loans | 47.6015% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 3.1521% | 456 |
| Noncurrent loans to loans | 4.2425% | 281 |
| Net loans and leases to total assets | 68.7699% | 2,573 |
| Net loans and leases to deposits | 83.7781% | 2,431 |
| Net loans and leases to core deposits | 87.4158% | 2,712 |
| Total domestic deposits to total assets | 82.0858% | 4,134 |
| Equity capital to assets | 13.9009% | 1,064 |
| Core capital (leverage) ratio | 13.0277% | 1,195 |
| Tier 1 risk-based capital ratio | 17.2736% | 2,269 |
| Total risk-based capital ratio | 18.5307% | 2,218 |
| Memoranda: | ||
| Average total assets | $77,184,000 | 4,977 |
| Average earning assets | $71,658,250 | 4,959 |
| Average equity | $10,030,750 | 4,715 |
| Average total loans | $54,054,250 | 4,600 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 2,228 |
| Cost of funding earning assets | 0.6168% | 1,304 |
| Net interest margin | 3.6652% | 2,857 |
| Noninterest income to average assets | 0.4934% | 3,425 |
| Noninterest expense to average assets | 2.5253% | 4,157 |
| Loan and lease loss provision to assets | 0.1984% | 993 |
| Net operating income to assets | 1.1253% | 1,858 |
| Return on assets (ROA) | 1.1546% | 1,829 |
| Pretax return on assets | 1.2004% | 2,775 |
| Return on Equity (ROE) | 9.0794% | 2,494 |
| Retained earnings to average equity (ytd only) | 3.0798% | 4,083 |
| Net charge-offs to loans | 0.3270% | 806 |
| Credit loss provision to net charge-offs | 86.6667% | 2,249 |
| Earnings coverage of net charge-offs (x) | 5.9778% | 2,849 |
| Efficiency ratio | 64.8596% | 4,215 |
| Assets per employee ($millions) | 4.7704% | 2,585 |
| Cash dividends to net income (ytd only)* | 66.0793% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 1,196 |
| Loan loss allowance to noncurrent loans | 45.2899% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 3.0592% | 537 |
| Noncurrent loans to loans | 4.1653% | 348 |
| Net loans and leases to total assets | 68.1410% | 2,620 |
| Net loans and leases to deposits | 83.2040% | 2,414 |
| Net loans and leases to core deposits | 87.2944% | 2,630 |
| Total domestic deposits to total assets | 81.8963% | 4,324 |
| Equity capital to assets | 13.0504% | 1,375 |
| Core capital (leverage) ratio | 12.8183% | 1,244 |
| Tier 1 risk-based capital ratio | 16.5532% | 2,586 |
| Total risk-based capital ratio | 17.8091% | 2,538 |
| Memoranda: | ||
| Average total assets | $78,642,670 | 5,006 |
| Average earning assets | $72,957,000 | 4,986 |
| Average equity | $10,000,670 | 4,748 |
| Average total loans | $55,038,330 | 4,612 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 2,379 |
| Cost of funding earning assets | 0.6123% | 1,352 |
| Net interest margin | 3.6085% | 2,972 |
| Noninterest income to average assets | 0.5213% | 3,146 |
| Noninterest expense to average assets | 2.4962% | 4,273 |
| Loan and lease loss provision to assets | 0.2306% | 753 |
| Net operating income to assets | 1.0877% | 1,910 |
| Return on assets (ROA) | 1.0877% | 2,025 |
| Pretax return on assets | 1.1328% | 2,934 |
| Return on Equity (ROE) | 8.6622% | 2,621 |
| Retained earnings to average equity (ytd only) | 2.6745% | 4,345 |
| Net charge-offs to loans | 0.6779% | 359 |
| Credit loss provision to net charge-offs | 48.4211% | 2,120 |
| Earnings coverage of net charge-offs (x) | 2.8632% | 2,688 |
| Efficiency ratio | 64.6753% | 4,368 |
| Assets per employee ($millions) | 5.2497% | 2,058 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7870% | 1,523 |
| Loan loss allowance to noncurrent loans | 42.4603% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 3.0415% | 617 |
| Noncurrent loans to loans | 4.2087% | 390 |
| Net loans and leases to total assets | 67.2119% | 2,574 |
| Net loans and leases to deposits | 83.7795% | 2,113 |
| Net loans and leases to core deposits | 88.3573% | 2,290 |
| Total domestic deposits to total assets | 80.2248% | 5,004 |
| Equity capital to assets | 12.8516% | 1,479 |
| Core capital (leverage) ratio | 12.4540% | 1,379 |
| Tier 1 risk-based capital ratio | 15.3719% | 3,215 |
| Total risk-based capital ratio | 16.6258% | 3,138 |
| Memoranda: | ||
| Average total assets | $79,800,500 | 5,026 |
| Average earning assets | $73,826,000 | 5,006 |
| Average equity | $10,020,500 | 4,778 |
| Average total loans | $56,052,500 | 4,612 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 1,915 |
| Cost of funding earning assets | 0.6455% | 1,439 |
| Net interest margin | 3.8441% | 2,449 |
| Noninterest income to average assets | 0.5085% | 3,443 |
| Noninterest expense to average assets | 2.6500% | 4,054 |
| Loan and lease loss provision to assets | 0.1577% | 1,664 |
| Net operating income to assets | 1.1543% | 1,750 |
| Return on assets (ROA) | 1.1102% | 1,990 |
| Pretax return on assets | 1.1601% | 2,824 |
| Return on Equity (ROE) | 8.9443% | 2,618 |
| Retained earnings to average equity (ytd only) | 2.5933% | 4,399 |
| Net charge-offs to loans | 0.0612% | 3,619 |
| Credit loss provision to net charge-offs | 387.0968% | 671 |
| Earnings coverage of net charge-offs (x) | 33.4839% | 1,237 |
| Efficiency ratio | 66.0229% | 4,243 |
| Assets per employee ($millions) | 5.3904% | 1,870 |
| Cash dividends to net income (ytd only)* | 71.0059% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 1,683 |
| Loan loss allowance to noncurrent loans | 43.7338% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 3.0128% | 665 |
| Noncurrent loans to loans | 3.9749% | 470 |
| Net loans and leases to total assets | 70.7480% | 2,118 |
| Net loans and leases to deposits | 95.0833% | 983 |
| Net loans and leases to core deposits | 100.5307% | 1,360 |
| Total domestic deposits to total assets | 74.4064% | 5,911 |
| Equity capital to assets | 12.2700% | 1,807 |
| Core capital (leverage) ratio | 12.4802% | 1,361 |
| Tier 1 risk-based capital ratio | 12.8638% | 4,817 |
| Total risk-based capital ratio | 14.1156% | 4,729 |
| Memoranda: | ||
| Average total assets | $76,112,400 | 5,151 |
| Average earning assets | $69,405,600 | 5,134 |
| Average equity | $9,447,400 | 4,876 |
| Average total loans | $50,641,000 | 4,799 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5051% | 1,852 |
| Cost of funding earning assets | 0.6559% | 1,416 |
| Net interest margin | 3.8492% | 2,435 |
| Noninterest income to average assets | 0.5285% | 3,330 |
| Noninterest expense to average assets | 2.5927% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3674% | 1,203 |
| Return on assets (ROA) | 1.3862% | 1,199 |
| Pretax return on assets | 1.4432% | 1,833 |
| Return on Equity (ROE) | 11.1335% | 1,739 |
| Retained earnings to average equity (ytd only) | 4.7021% | 3,284 |
| Net charge-offs to loans | 0.1094% | 2,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.0008% | 1,759 |
| Efficiency ratio | 64.5547% | 4,455 |
| Assets per employee ($millions) | 4.5834% | 2,836 |
| Cash dividends to net income (ytd only)* | 57.7669% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8320% | 1,627 |
| Loan loss allowance to noncurrent loans | 109.6894% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 2,454 |
| Noncurrent loans to loans | 1.6702% | 1,952 |
| Net loans and leases to total assets | 64.5199% | 3,107 |
| Net loans and leases to deposits | 78.0673% | 2,944 |
| Net loans and leases to core deposits | 82.5756% | 3,050 |
| Total domestic deposits to total assets | 82.6465% | 4,253 |
| Equity capital to assets | 13.3608% | 1,252 |
| Core capital (leverage) ratio | 13.0777% | 1,146 |
| Tier 1 risk-based capital ratio | 14.8092% | 3,700 |
| Total risk-based capital ratio | 16.0615% | 3,633 |
| Memoranda: | ||
| Average total assets | $74,926,500 | 5,228 |
| Average earning assets | $67,891,750 | 5,229 |
| Average equity | $9,329,000 | 4,940 |
| Average total loans | $48,747,250 | 4,908 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 1,703 |
| Cost of funding earning assets | 0.6494% | 1,519 |
| Net interest margin | 3.8877% | 2,223 |
| Noninterest income to average assets | 0.4718% | 3,697 |
| Noninterest expense to average assets | 2.5922% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3317% | 1,227 |
| Return on assets (ROA) | 1.3597% | 1,207 |
| Pretax return on assets | 1.4154% | 1,841 |
| Return on Equity (ROE) | 11.1854% | 1,677 |
| Retained earnings to average equity (ytd only) | 4.6442% | 3,193 |
| Net charge-offs to loans | 0.1390% | 2,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.3824% | 1,851 |
| Efficiency ratio | 65.1566% | 4,497 |
| Assets per employee ($millions) | 4.6584% | 2,686 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 1,667 |
| Loan loss allowance to noncurrent loans | 109.0798% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 2,616 |
| Noncurrent loans to loans | 1.7088% | 2,023 |
| Net loans and leases to total assets | 62.7968% | 3,276 |
| Net loans and leases to deposits | 75.4044% | 3,140 |
| Net loans and leases to core deposits | 79.2459% | 3,294 |
| Total domestic deposits to total assets | 83.2801% | 4,198 |
| Equity capital to assets | 12.8049% | 1,486 |
| Core capital (leverage) ratio | 12.9497% | 1,171 |
| Tier 1 risk-based capital ratio | 14.6935% | 3,814 |
| Total risk-based capital ratio | 15.9444% | 3,763 |
| Memoranda: | ||
| Average total assets | $75,457,330 | 5,262 |
| Average earning assets | $68,061,000 | 5,266 |
| Average equity | $9,172,670 | 4,991 |
| Average total loans | $48,930,330 | 4,929 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 1,616 |
| Cost of funding earning assets | 0.6362% | 1,678 |
| Net interest margin | 3.9221% | 2,006 |
| Noninterest income to average assets | 0.4742% | 3,606 |
| Noninterest expense to average assets | 2.6028% | 4,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3593% | 1,076 |
| Return on assets (ROA) | 1.3593% | 1,123 |
| Pretax return on assets | 1.4120% | 1,706 |
| Return on Equity (ROE) | 11.4833% | 1,549 |
| Retained earnings to average equity (ytd only) | 4.8069% | 3,224 |
| Net charge-offs to loans | -0.0323% | 5,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8294% | 4,726 |
| Assets per employee ($millions) | 4.7241% | 2,629 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9525% | 1,618 |
| Loan loss allowance to noncurrent loans | 92.8858% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.4698% | 2,411 |
| Noncurrent loans to loans | 2.1021% | 1,751 |
| Net loans and leases to total assets | 61.5855% | 3,298 |
| Net loans and leases to deposits | 73.3741% | 3,147 |
| Net loans and leases to core deposits | 77.0275% | 3,303 |
| Total domestic deposits to total assets | 83.9335% | 4,292 |
| Equity capital to assets | 12.1769% | 1,760 |
| Core capital (leverage) ratio | 12.6742% | 1,308 |
| Tier 1 risk-based capital ratio | 14.5702% | 3,964 |
| Total risk-based capital ratio | 15.8221% | 3,914 |
| Memoranda: | ||
| Average total assets | $75,919,000 | 5,303 |
| Average earning assets | $68,534,000 | 5,304 |
| Average equity | $8,987,000 | 5,054 |
| Average total loans | $49,548,500 | 4,946 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 3,667 |
| Cost of funding earning assets | 0.5279% | 3,308 |
| Net interest margin | 3.5909% | 3,501 |
| Noninterest income to average assets | 0.5398% | 3,482 |
| Noninterest expense to average assets | 2.5884% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0380% | 2,170 |
| Return on assets (ROA) | 1.0887% | 2,042 |
| Pretax return on assets | 1.1459% | 2,782 |
| Return on Equity (ROE) | 9.2175% | 2,445 |
| Retained earnings to average equity (ytd only) | 3.1606% | 3,988 |
| Net charge-offs to loans | -0.1630% | 6,589 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3180% | 3,787 |
| Assets per employee ($millions) | 4.7658% | 2,489 |
| Cash dividends to net income (ytd only)* | 65.7109% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 2,101 |
| Loan loss allowance to noncurrent loans | 109.8810% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.2498% | 2,916 |
| Noncurrent loans to loans | 1.6273% | 2,457 |
| Net loans and leases to total assets | 66.4861% | 2,617 |
| Net loans and leases to deposits | 79.7637% | 2,487 |
| Net loans and leases to core deposits | 84.1793% | 2,660 |
| Total domestic deposits to total assets | 83.3539% | 4,409 |
| Equity capital to assets | 11.5013% | 2,164 |
| Core capital (leverage) ratio | 12.7866% | 1,225 |
| Tier 1 risk-based capital ratio | 13.6395% | 4,558 |
| Total risk-based capital ratio | 14.8911% | 4,503 |
| Memoranda: | ||
| Average total assets | $76,880,000 | 5,308 |
| Average earning assets | $67,252,600 | 5,368 |
| Average equity | $9,080,600 | 5,064 |
| Average total loans | $47,228,000 | 5,056 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 3,919 |
| Cost of funding earning assets | 0.5178% | 3,587 |
| Net interest margin | 3.5362% | 3,729 |
| Noninterest income to average assets | 0.5279% | 3,608 |
| Noninterest expense to average assets | 2.3607% | 5,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1698% | 1,740 |
| Return on assets (ROA) | 1.3327% | 1,316 |
| Pretax return on assets | 1.3863% | 1,975 |
| Return on Equity (ROE) | 11.2100% | 1,744 |
| Retained earnings to average equity (ytd only) | 5.3866% | 2,809 |
| Net charge-offs to loans | -0.3700% | 6,750 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9894% | 4,482 |
| Assets per employee ($millions) | 4.0276% | 3,773 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2068% | 1,316 |
| Loan loss allowance to noncurrent loans | 255.6430% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 4,412 |
| Noncurrent loans to loans | 0.8632% | 4,094 |
| Net loans and leases to total assets | 59.5371% | 3,770 |
| Net loans and leases to deposits | 68.5405% | 3,994 |
| Net loans and leases to core deposits | 71.9787% | 4,095 |
| Total domestic deposits to total assets | 86.8641% | 2,760 |
| Equity capital to assets | 12.2338% | 1,758 |
| Core capital (leverage) ratio | 12.7321% | 1,312 |
| Tier 1 risk-based capital ratio | 15.3627% | 3,530 |
| Total risk-based capital ratio | 16.6172% | 3,487 |
| Memoranda: | ||
| Average total assets | $77,037,000 | 5,357 |
| Average earning assets | $66,435,250 | 5,444 |
| Average equity | $9,158,250 | 5,100 |
| Average total loans | $46,130,000 | 5,155 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5568% | 5,575 |
| Cost of funding earning assets | 0.4639% | 4,269 |
| Net interest margin | 3.0929% | 5,289 |
| Noninterest income to average assets | 0.4532% | 4,143 |
| Noninterest expense to average assets | 2.1260% | 5,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9368% | 2,633 |
| Return on assets (ROA) | 1.1763% | 1,764 |
| Pretax return on assets | 1.2247% | 2,577 |
| Return on Equity (ROE) | 9.9841% | 2,204 |
| Retained earnings to average equity (ytd only) | 4.5815% | 3,353 |
| Net charge-offs to loans | 0.1026% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.9583% | 1,692 |
| Efficiency ratio | 68.5550% | 4,088 |
| Assets per employee ($millions) | 4.1686% | 3,431 |
| Cash dividends to net income (ytd only)* | 54.1126% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 2,581 |
| Loan loss allowance to noncurrent loans | 214.6214% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 4,574 |
| Noncurrent loans to loans | 0.8172% | 4,277 |
| Net loans and leases to total assets | 61.3660% | 3,409 |
| Net loans and leases to deposits | 71.9986% | 3,446 |
| Net loans and leases to core deposits | 75.5521% | 3,599 |
| Total domestic deposits to total assets | 85.2322% | 3,777 |
| Equity capital to assets | 11.6666% | 2,163 |
| Core capital (leverage) ratio | 13.3965% | 1,016 |
| Tier 1 risk-based capital ratio | 14.8156% | 3,899 |
| Total risk-based capital ratio | 16.0806% | 3,855 |
| Memoranda: | ||
| Average total assets | $78,550,670 | 5,354 |
| Average earning assets | $67,251,330 | 5,467 |
| Average equity | $9,254,670 | 5,113 |
| Average total loans | $46,794,670 | 5,147 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 1,326 |
| Cost of funding earning assets | 0.6073% | 3,038 |
| Net interest margin | 4.1752% | 1,258 |
| Noninterest income to average assets | 0.4985% | 3,779 |
| Noninterest expense to average assets | 2.8414% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2678% | 1,359 |
| Return on assets (ROA) | 1.9857% | 377 |
| Pretax return on assets | 2.0605% | 535 |
| Return on Equity (ROE) | 14.2114% | 926 |
| Retained earnings to average equity (ytd only) | 8.2652% | 1,655 |
| Net charge-offs to loans | 0.2949% | 1,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.3200% | 2,239 |
| Efficiency ratio | 68.4000% | 4,239 |
| Assets per employee ($millions) | 4.0315% | 3,880 |
| Cash dividends to net income (ytd only)* | 41.8410% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4518% | 1,174 |
| Loan loss allowance to noncurrent loans | 203.0151% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 3,803 |
| Noncurrent loans to loans | 1.2077% | 3,753 |
| Net loans and leases to total assets | 66.4496% | 2,293 |
| Net loans and leases to deposits | 78.2813% | 2,301 |
| Net loans and leases to core deposits | 79.7554% | 2,837 |
| Total domestic deposits to total assets | 84.8857% | 4,099 |
| Equity capital to assets | 13.9278% | 1,052 |
| Core capital (leverage) ratio | 13.5129% | 945 |
| Tier 1 risk-based capital ratio | 14.1536% | 4,394 |
| Total risk-based capital ratio | 15.4103% | 4,351 |
| Memoranda: | ||
| Average total assets | $48,144,500 | 6,240 |
| Average earning assets | $42,154,000 | 6,274 |
| Average equity | $6,727,000 | 5,807 |
| Average total loans | $33,907,000 | 5,709 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9988% | 1,562 |
| Cost of funding earning assets | 0.7338% | 3,219 |
| Net interest margin | 4.2650% | 1,477 |
| Noninterest income to average assets | 0.5192% | 3,778 |
| Noninterest expense to average assets | 2.9519% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2187% | 1,536 |
| Return on assets (ROA) | 1.2247% | 1,689 |
| Pretax return on assets | 1.2729% | 2,509 |
| Return on Equity (ROE) | 8.7098% | 2,784 |
| Retained earnings to average equity (ytd only) | 1.6377% | 5,046 |
| Net charge-offs to loans | -0.3346% | 6,987 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9752% | 3,822 |
| Assets per employee ($millions) | 3.6855% | 4,593 |
| Cash dividends to net income (ytd only)* | 81.1966% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3896% | 1,251 |
| Loan loss allowance to noncurrent loans | 244.2815% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.9705% | 4,083 |
| Noncurrent loans to loans | 0.9782% | 4,235 |
| Net loans and leases to total assets | 71.0192% | 1,645 |
| Net loans and leases to deposits | 85.7726% | 1,544 |
| Net loans and leases to core deposits | 87.4480% | 2,151 |
| Total domestic deposits to total assets | 82.7994% | 4,799 |
| Equity capital to assets | 14.0177% | 1,040 |
| Core capital (leverage) ratio | 13.3626% | 998 |
| Tier 1 risk-based capital ratio | 13.1573% | 4,997 |
| Total risk-based capital ratio | 14.4139% | 4,932 |
| Memoranda: | ||
| Average total assets | $47,765,800 | 6,271 |
| Average earning assets | $41,429,800 | 6,320 |
| Average equity | $6,716,600 | 5,841 |
| Average total loans | $33,176,600 | 5,790 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 1,502 |
| Cost of funding earning assets | 0.7580% | 3,287 |
| Net interest margin | 4.3106% | 1,437 |
| Noninterest income to average assets | 0.5252% | 3,771 |
| Noninterest expense to average assets | 2.6789% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4865% | 1,042 |
| Return on assets (ROA) | 1.4945% | 1,146 |
| Pretax return on assets | 1.5560% | 1,708 |
| Return on Equity (ROE) | 10.6200% | 2,092 |
| Retained earnings to average equity (ytd only) | 4.6649% | 3,613 |
| Net charge-offs to loans | -0.3297% | 7,057 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3840% | 4,907 |
| Assets per employee ($millions) | 3.6082% | 4,740 |
| Cash dividends to net income (ytd only)* | 56.0744% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6325% | 1,049 |
| Loan loss allowance to noncurrent loans | 228.1250% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 4,176 |
| Noncurrent loans to loans | 1.1540% | 4,133 |
| Net loans and leases to total assets | 63.3168% | 3,152 |
| Net loans and leases to deposits | 75.3597% | 3,085 |
| Net loans and leases to core deposits | 76.8395% | 3,623 |
| Total domestic deposits to total assets | 84.0194% | 4,213 |
| Equity capital to assets | 14.6311% | 928 |
| Core capital (leverage) ratio | 13.4890% | 1,016 |
| Tier 1 risk-based capital ratio | 14.9832% | 3,861 |
| Total risk-based capital ratio | 16.2417% | 3,804 |
| Memoranda: | ||
| Average total assets | $47,729,500 | 6,347 |
| Average earning assets | $40,983,500 | 6,401 |
| Average equity | $6,716,750 | 5,907 |
| Average total loans | $32,756,000 | 5,890 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 1,682 |
| Cost of funding earning assets | 0.7789% | 3,374 |
| Net interest margin | 4.2646% | 1,569 |
| Noninterest income to average assets | 0.5083% | 3,871 |
| Noninterest expense to average assets | 2.6331% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5082% | 978 |
| Return on assets (ROA) | 1.5082% | 1,100 |
| Pretax return on assets | 1.5707% | 1,636 |
| Return on Equity (ROE) | 10.8578% | 2,041 |
| Retained earnings to average equity (ytd only) | 4.8590% | 3,364 |
| Net charge-offs to loans | -0.2626% | 7,051 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6363% | 5,145 |
| Assets per employee ($millions) | 3.6942% | 4,534 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4023% | 1,407 |
| Loan loss allowance to noncurrent loans | 210.4396% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 4,304 |
| Noncurrent loans to loans | 1.1416% | 4,245 |
| Net loans and leases to total assets | 64.7996% | 2,878 |
| Net loans and leases to deposits | 76.5522% | 2,908 |
| Net loans and leases to core deposits | 78.5264% | 3,446 |
| Total domestic deposits to total assets | 84.6476% | 4,033 |
| Equity capital to assets | 14.0469% | 1,081 |
| Core capital (leverage) ratio | 13.4463% | 992 |
| Tier 1 risk-based capital ratio | 14.3743% | 4,194 |
| Total risk-based capital ratio | 15.6296% | 4,151 |
| Memoranda: | ||
| Average total assets | $48,003,670 | 6,383 |
| Average earning assets | $41,598,670 | 6,424 |
| Average equity | $6,668,000 | 5,941 |
| Average total loans | $33,507,000 | 5,890 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 1,709 |
| Cost of funding earning assets | 0.8140% | 3,356 |
| Net interest margin | 4.2401% | 1,635 |
| Noninterest income to average assets | 0.5084% | 3,859 |
| Noninterest expense to average assets | 2.6254% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5586% | 925 |
| Return on assets (ROA) | 1.5586% | 1,034 |
| Pretax return on assets | 1.6169% | 1,516 |
| Return on Equity (ROE) | 11.2838% | 1,909 |
| Retained earnings to average equity (ytd only) | 5.2497% | 3,401 |
| Net charge-offs to loans | 0.3031% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.4615% | 2,070 |
| Efficiency ratio | 61.8861% | 5,293 |
| Assets per employee ($millions) | 3.6348% | 4,799 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1930% | 1,893 |
| Loan loss allowance to noncurrent loans | 203.5088% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.8507% | 4,831 |
| Noncurrent loans to loans | 1.0776% | 4,542 |
| Net loans and leases to total assets | 65.6932% | 2,522 |
| Net loans and leases to deposits | 77.7216% | 2,567 |
| Net loans and leases to core deposits | 79.7605% | 3,098 |
| Total domestic deposits to total assets | 84.5237% | 4,261 |
| Equity capital to assets | 14.0965% | 991 |
| Core capital (leverage) ratio | 12.8114% | 1,201 |
| Tier 1 risk-based capital ratio | 14.3549% | 4,205 |
| Total risk-based capital ratio | 15.6121% | 4,174 |
| Memoranda: | ||
| Average total assets | $47,993,000 | 6,432 |
| Average earning assets | $42,263,000 | 6,446 |
| Average equity | $6,629,000 | 5,989 |
| Average total loans | $34,317,500 | 5,907 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2283% | 1,951 |
| Cost of funding earning assets | 0.9663% | 3,602 |
| Net interest margin | 4.2621% | 1,832 |
| Noninterest income to average assets | 0.5349% | 3,620 |
| Noninterest expense to average assets | 2.6893% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5428% | 755 |
| Return on assets (ROA) | 1.6301% | 680 |
| Pretax return on assets | 1.7041% | 983 |
| Return on Equity (ROE) | 12.3728% | 1,306 |
| Retained earnings to average equity (ytd only) | 7.5585% | 1,247 |
| Net charge-offs to loans | -0.1289% | 7,166 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5061% | 5,379 |
| Assets per employee ($millions) | 4.0611% | 3,729 |
| Cash dividends to net income (ytd only)* | 38.9105% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 2,402 |
| Loan loss allowance to noncurrent loans | 96.5241% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.6601% | 3,461 |
| Noncurrent loans to loans | 2.0273% | 3,170 |
| Net loans and leases to total assets | 74.2310% | 1,233 |
| Net loans and leases to deposits | 95.2776% | 727 |
| Net loans and leases to core deposits | 97.8946% | 1,337 |
| Total domestic deposits to total assets | 77.9102% | 6,211 |
| Equity capital to assets | 13.5370% | 1,247 |
| Core capital (leverage) ratio | 12.9712% | 1,151 |
| Tier 1 risk-based capital ratio | 12.9489% | 5,108 |
| Total risk-based capital ratio | 14.2033% | 5,089 |
| Memoranda: | ||
| Average total assets | $47,298,600 | 6,447 |
| Average earning assets | $41,810,800 | 6,470 |
| Average equity | $6,231,400 | 6,093 |
| Average total loans | $33,369,400 | 5,987 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 2,728 |
| Cost of funding earning assets | 1.0160% | 3,564 |
| Net interest margin | 4.0607% | 2,641 |
| Noninterest income to average assets | 0.5368% | 3,603 |
| Noninterest expense to average assets | 2.5308% | 5,347 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4847% | 974 |
| Return on assets (ROA) | 1.6020% | 843 |
| Pretax return on assets | 1.6702% | 1,203 |
| Return on Equity (ROE) | 12.2472% | 1,477 |
| Retained earnings to average equity (ytd only) | 8.9901% | 1,152 |
| Net charge-offs to loans | -0.0287% | 6,966 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0474% | 5,401 |
| Assets per employee ($millions) | 3.9243% | 4,020 |
| Cash dividends to net income (ytd only)* | 26.5965% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1260% | 2,010 |
| Loan loss allowance to noncurrent loans | 158.4296% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.0533% | 4,661 |
| Noncurrent loans to loans | 1.3419% | 4,284 |
| Net loans and leases to total assets | 67.0638% | 2,663 |
| Net loans and leases to deposits | 81.1914% | 2,499 |
| Net loans and leases to core deposits | 83.3668% | 3,138 |
| Total domestic deposits to total assets | 82.5996% | 4,834 |
| Equity capital to assets | 13.8880% | 1,202 |
| Core capital (leverage) ratio | 12.9884% | 1,237 |
| Tier 1 risk-based capital ratio | 14.0854% | 4,291 |
| Total risk-based capital ratio | 15.3408% | 4,259 |
| Memoranda: | ||
| Average total assets | $46,940,000 | 6,514 |
| Average earning assets | $40,944,500 | 6,549 |
| Average equity | $6,140,000 | 6,170 |
| Average total loans | $32,487,500 | 6,103 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 2,662 |
| Cost of funding earning assets | 1.0735% | 3,441 |
| Net interest margin | 4.0304% | 2,699 |
| Noninterest income to average assets | 0.5161% | 3,738 |
| Noninterest expense to average assets | 2.5891% | 5,227 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3953% | 1,093 |
| Return on assets (ROA) | 1.4076% | 1,124 |
| Pretax return on assets | 1.4630% | 1,633 |
| Return on Equity (ROE) | 10.9878% | 1,803 |
| Retained earnings to average equity (ytd only) | 7.6582% | 1,597 |
| Net charge-offs to loans | 0.0369% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 56.6667% | 564 |
| Efficiency ratio | 64.0971% | 5,219 |
| Assets per employee ($millions) | 3.9724% | 3,813 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0847% | 2,151 |
| Loan loss allowance to noncurrent loans | 140.2083% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.1391% | 4,610 |
| Noncurrent loans to loans | 1.4869% | 4,197 |
| Net loans and leases to total assets | 66.3114% | 2,968 |
| Net loans and leases to deposits | 79.0131% | 2,963 |
| Net loans and leases to core deposits | 81.0700% | 3,645 |
| Total domestic deposits to total assets | 83.9246% | 4,382 |
| Equity capital to assets | 13.0630% | 1,491 |
| Core capital (leverage) ratio | 12.7160% | 1,286 |
| Tier 1 risk-based capital ratio | 13.5836% | 4,466 |
| Total risk-based capital ratio | 14.8203% | 4,453 |
| Memoranda: | ||
| Average total assets | $46,889,670 | 6,568 |
| Average earning assets | $40,988,670 | 6,599 |
| Average equity | $6,006,670 | 6,232 |
| Average total loans | $32,561,000 | 6,159 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0965% | 2,666 |
| Cost of funding earning assets | 1.1185% | 3,393 |
| Net interest margin | 3.9780% | 2,783 |
| Noninterest income to average assets | 0.4559% | 4,226 |
| Noninterest expense to average assets | 2.6237% | 5,139 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3000% | 1,265 |
| Return on assets (ROA) | 1.3247% | 1,262 |
| Pretax return on assets | 1.3763% | 1,790 |
| Return on Equity (ROE) | 10.4469% | 1,932 |
| Retained earnings to average equity (ytd only) | 7.0550% | 2,121 |
| Net charge-offs to loans | -0.0367% | 6,778 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0173% | 5,037 |
| Assets per employee ($millions) | 3.9798% | 3,877 |
| Cash dividends to net income (ytd only)* | 32.4675% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1177% | 2,145 |
| Loan loss allowance to noncurrent loans | 114.8148% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.2438% | 4,462 |
| Noncurrent loans to loans | 1.8444% | 3,763 |
| Net loans and leases to total assets | 66.0057% | 3,009 |
| Net loans and leases to deposits | 80.1521% | 2,700 |
| Net loans and leases to core deposits | 82.2754% | 3,419 |
| Total domestic deposits to total assets | 82.3506% | 5,169 |
| Equity capital to assets | 12.5068% | 1,627 |
| Core capital (leverage) ratio | 12.2977% | 1,412 |
| Tier 1 risk-based capital ratio | 13.4972% | 4,419 |
| Total risk-based capital ratio | 14.7526% | 4,392 |
| Memoranda: | ||
| Average total assets | $46,500,000 | 6,621 |
| Average earning assets | $41,126,500 | 6,641 |
| Average equity | $5,896,500 | 6,281 |
| Average total loans | $32,700,000 | 6,203 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 3,589 |
| Cost of funding earning assets | 1.2271% | 4,374 |
| Net interest margin | 3.9763% | 3,121 |
| Noninterest income to average assets | 0.5585% | 3,762 |
| Noninterest expense to average assets | 2.6343% | 5,276 |
| Loan and lease loss provision to assets | 0.3414% | 4,099 |
| Net operating income to assets | 1.1679% | 1,491 |
| Return on assets (ROA) | 1.3522% | 1,121 |
| Pretax return on assets | 1.3997% | 1,668 |
| Return on Equity (ROE) | 10.3025% | 1,817 |
| Retained earnings to average equity (ytd only) | 5.9955% | 1,817 |
| Net charge-offs to loans | 0.1324% | 5,582 |
| Credit loss provision to net charge-offs | 359.5238% | 712 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,214 |
| Efficiency ratio | 62.9390% | 5,528 |
| Assets per employee ($millions) | 3.7702% | 4,324 |
| Cash dividends to net income (ytd only)* | 41.8060% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 2,189 |
| Loan loss allowance to noncurrent loans | 128.3554% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.1693% | 4,676 |
| Noncurrent loans to loans | 1.5936% | 4,109 |
| Net loans and leases to total assets | 71.8713% | 2,130 |
| Net loans and leases to deposits | 88.1885% | 1,759 |
| Net loans and leases to core deposits | 90.0421% | 2,758 |
| Total domestic deposits to total assets | 81.4973% | 5,356 |
| Equity capital to assets | 12.8642% | 1,457 |
| Core capital (leverage) ratio | 12.3942% | 1,355 |
| Tier 1 risk-based capital ratio | 13.3288% | 4,349 |
| Total risk-based capital ratio | 14.5842% | 4,312 |
| Memoranda: | ||
| Average total assets | $44,225,000 | 6,722 |
| Average earning assets | $40,339,400 | 6,699 |
| Average equity | $5,804,400 | 6,431 |
| Average total loans | $31,733,800 | 6,328 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 3,724 |
| Cost of funding earning assets | 1.2481% | 4,579 |
| Net interest margin | 3.9738% | 3,219 |
| Noninterest income to average assets | 0.5488% | 3,797 |
| Noninterest expense to average assets | 2.5107% | 5,676 |
| Loan and lease loss provision to assets | 0.4579% | 3,184 |
| Net operating income to assets | 1.1564% | 1,716 |
| Return on assets (ROA) | 1.4009% | 1,174 |
| Pretax return on assets | 1.4555% | 1,733 |
| Return on Equity (ROE) | 10.6194% | 1,893 |
| Retained earnings to average equity (ytd only) | 7.1716% | 1,771 |
| Net charge-offs to loans | 0.2635% | 4,371 |
| Credit loss provision to net charge-offs | 243.5484% | 1,382 |
| Earnings coverage of net charge-offs (x) | 8.8231% | 2,107 |
| Efficiency ratio | 60.2182% | 5,915 |
| Assets per employee ($millions) | 4.1359% | 3,582 |
| Cash dividends to net income (ytd only)* | 32.4686% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1710% | 1,854 |
| Loan loss allowance to noncurrent loans | 106.1192% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.3650% | 4,443 |
| Noncurrent loans to loans | 2.0459% | 3,624 |
| Net loans and leases to total assets | 65.2709% | 3,847 |
| Net loans and leases to deposits | 80.2437% | 3,406 |
| Net loans and leases to core deposits | 81.9240% | 4,259 |
| Total domestic deposits to total assets | 81.3408% | 5,256 |
| Equity capital to assets | 13.1597% | 1,507 |
| Core capital (leverage) ratio | 12.4625% | 1,433 |
| Tier 1 risk-based capital ratio | 13.9926% | 3,840 |
| Total risk-based capital ratio | 15.2474% | 3,810 |
| Memoranda: | ||
| Average total assets | $43,970,750 | 6,818 |
| Average earning assets | $40,061,500 | 6,793 |
| Average equity | $5,800,500 | 6,512 |
| Average total loans | $31,368,500 | 6,423 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3375% | 3,277 |
| Cost of funding earning assets | 1.2476% | 4,848 |
| Net interest margin | 4.0899% | 2,611 |
| Noninterest income to average assets | 0.5246% | 3,921 |
| Noninterest expense to average assets | 2.5125% | 5,673 |
| Loan and lease loss provision to assets | 0.4602% | 3,015 |
| Net operating income to assets | 1.2458% | 1,435 |
| Return on assets (ROA) | 1.5462% | 879 |
| Pretax return on assets | 1.6060% | 1,289 |
| Return on Equity (ROE) | 11.7107% | 1,522 |
| Retained earnings to average equity (ytd only) | 8.2254% | 1,360 |
| Net charge-offs to loans | 0.0883% | 5,251 |
| Credit loss provision to net charge-offs | 714.2857% | 526 |
| Earnings coverage of net charge-offs (x) | 27.2143% | 983 |
| Efficiency ratio | 58.8997% | 6,244 |
| Assets per employee ($millions) | 4.0268% | 3,723 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1351% | 1,896 |
| Loan loss allowance to noncurrent loans | 107.5410% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 4,417 |
| Noncurrent loans to loans | 1.9854% | 3,739 |
| Net loans and leases to total assets | 67.8813% | 3,393 |
| Net loans and leases to deposits | 83.4434% | 2,984 |
| Net loans and leases to core deposits | 85.2388% | 3,949 |
| Total domestic deposits to total assets | 81.3500% | 5,270 |
| Equity capital to assets | 13.2047% | 1,475 |
| Core capital (leverage) ratio | 12.6842% | 1,331 |
| Tier 1 risk-based capital ratio | 13.8233% | 3,855 |
| Total risk-based capital ratio | 15.0772% | 3,818 |
| Memoranda: | ||
| Average total assets | $43,462,670 | 6,880 |
| Average earning assets | $39,756,670 | 6,852 |
| Average equity | $5,738,330 | 6,549 |
| Average total loans | $31,706,670 | 6,453 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4967% | 2,588 |
| Cost of funding earning assets | 1.2373% | 5,187 |
| Net interest margin | 4.2594% | 1,826 |
| Noninterest income to average assets | 0.5204% | 3,890 |
| Noninterest expense to average assets | 2.5461% | 5,561 |
| Loan and lease loss provision to assets | 0.4646% | 2,642 |
| Net operating income to assets | 1.3582% | 1,173 |
| Return on assets (ROA) | 1.6169% | 772 |
| Pretax return on assets | 1.6819% | 1,094 |
| Return on Equity (ROE) | 12.2471% | 1,431 |
| Retained earnings to average equity (ytd only) | 8.7278% | 1,474 |
| Net charge-offs to loans | 0.1367% | 4,127 |
| Credit loss provision to net charge-offs | 454.5455% | 924 |
| Earnings coverage of net charge-offs (x) | 18.3636% | 1,236 |
| Efficiency ratio | 57.5630% | 6,554 |
| Assets per employee ($millions) | 3.9647% | 3,957 |
| Cash dividends to net income (ytd only)* | 28.7356% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 2,420 |
| Loan loss allowance to noncurrent loans | 96.5135% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.4468% | 4,339 |
| Noncurrent loans to loans | 1.9747% | 3,824 |
| Net loans and leases to total assets | 71.8724% | 2,488 |
| Net loans and leases to deposits | 88.4552% | 2,141 |
| Net loans and leases to core deposits | 89.4881% | 3,432 |
| Total domestic deposits to total assets | 81.2529% | 5,366 |
| Equity capital to assets | 13.1776% | 1,454 |
| Core capital (leverage) ratio | 12.5691% | 1,381 |
| Tier 1 risk-based capital ratio | 13.3529% | 4,089 |
| Total risk-based capital ratio | 14.6059% | 4,043 |
| Memoranda: | ||
| Average total assets | $43,046,500 | 6,982 |
| Average earning assets | $39,442,000 | 6,949 |
| Average equity | $5,683,000 | 6,627 |
| Average total loans | $32,198,000 | 6,507 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4976% | 4,153 |
| Cost of funding earning assets | 1.4268% | 5,819 |
| Net interest margin | 4.0707% | 2,565 |
| Noninterest income to average assets | 0.5966% | 3,655 |
| Noninterest expense to average assets | 2.7561% | 5,143 |
| Loan and lease loss provision to assets | 0.4928% | 3,912 |
| Net operating income to assets | 1.0574% | 1,638 |
| Return on assets (ROA) | 1.1015% | 1,547 |
| Pretax return on assets | 1.1425% | 2,117 |
| Return on Equity (ROE) | 8.4139% | 2,234 |
| Retained earnings to average equity (ytd only) | 5.6462% | 1,504 |
| Net charge-offs to loans | 0.7084% | 3,063 |
| Credit loss provision to net charge-offs | 91.0714% | 5,968 |
| Earnings coverage of net charge-offs (x) | 2.9375% | 3,616 |
| Efficiency ratio | 63.4241% | 5,887 |
| Assets per employee ($millions) | 3.8619% | 4,117 |
| Cash dividends to net income (ytd only)* | 32.8947% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 2,682 |
| Loan loss allowance to noncurrent loans | 101.6043% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.3206% | 4,449 |
| Noncurrent loans to loans | 1.7292% | 4,040 |
| Net loans and leases to total assets | 75.0265% | 2,022 |
| Net loans and leases to deposits | 95.7318% | 1,364 |
| Net loans and leases to core deposits | 115.6291% | 2,361 |
| Total domestic deposits to total assets | 78.3715% | 6,152 |
| Equity capital to assets | 13.2271% | 1,424 |
| Core capital (leverage) ratio | 12.6524% | 1,372 |
| Tier 1 risk-based capital ratio | 13.2746% | 3,966 |
| Total risk-based capital ratio | 14.5489% | 3,888 |
| Memoranda: | ||
| Average total assets | $41,399,000 | 7,037 |
| Average earning assets | $38,126,000 | 7,009 |
| Average equity | $5,419,600 | 6,796 |
| Average total loans | $31,619,000 | 6,544 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5061% | 4,391 |
| Cost of funding earning assets | 1.4688% | 5,961 |
| Net interest margin | 4.0373% | 2,648 |
| Noninterest income to average assets | 0.5997% | 3,704 |
| Noninterest expense to average assets | 2.6486% | 5,529 |
| Loan and lease loss provision to assets | 0.5641% | 3,136 |
| Net operating income to assets | 1.0721% | 1,822 |
| Return on assets (ROA) | 1.1281% | 1,714 |
| Pretax return on assets | 1.1703% | 2,354 |
| Return on Equity (ROE) | 8.6408% | 2,395 |
| Retained earnings to average equity (ytd only) | 7.3992% | 1,350 |
| Net charge-offs to loans | 0.6664% | 2,695 |
| Credit loss provision to net charge-offs | 110.8280% | 4,590 |
| Earnings coverage of net charge-offs (x) | 3.2930% | 3,589 |
| Efficiency ratio | 61.2444% | 6,232 |
| Assets per employee ($millions) | 3.7481% | 4,316 |
| Cash dividends to net income (ytd only)* | 14.3688% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 1,759 |
| Loan loss allowance to noncurrent loans | 102.7073% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 4,237 |
| Noncurrent loans to loans | 1.9655% | 3,683 |
| Net loans and leases to total assets | 71.4570% | 3,165 |
| Net loans and leases to deposits | 89.1974% | 2,743 |
| Net loans and leases to core deposits | 108.1773% | 3,449 |
| Total domestic deposits to total assets | 80.1111% | 5,393 |
| Equity capital to assets | 13.6506% | 1,433 |
| Core capital (leverage) ratio | 12.8717% | 1,422 |
| Tier 1 risk-based capital ratio | 14.0303% | 3,535 |
| Total risk-based capital ratio | 15.2849% | 3,480 |
| Memoranda: | ||
| Average total assets | $41,128,500 | 7,099 |
| Average earning assets | $37,944,750 | 7,074 |
| Average equity | $5,369,750 | 6,880 |
| Average total loans | $31,413,250 | 6,604 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5422% | 4,375 |
| Cost of funding earning assets | 1.5081% | 6,109 |
| Net interest margin | 4.0340% | 2,564 |
| Noninterest income to average assets | 0.6035% | 3,663 |
| Noninterest expense to average assets | 2.6281% | 5,623 |
| Loan and lease loss provision to assets | 0.7008% | 2,328 |
| Net operating income to assets | 0.9655% | 2,221 |
| Return on assets (ROA) | 1.0269% | 2,097 |
| Pretax return on assets | 1.0610% | 2,768 |
| Return on Equity (ROE) | 7.9869% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.9869% | 1,211 |
| Net charge-offs to loans | 0.7470% | 2,186 |
| Credit loss provision to net charge-offs | 121.0084% | 3,832 |
| Earnings coverage of net charge-offs (x) | 2.9328% | 3,634 |
| Efficiency ratio | 60.7424% | 6,438 |
| Assets per employee ($millions) | 3.7569% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 1,788 |
| Loan loss allowance to noncurrent loans | 125.5102% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 1.1857% | 4,565 |
| Noncurrent loans to loans | 1.5146% | 4,222 |
| Net loans and leases to total assets | 76.7967% | 1,990 |
| Net loans and leases to deposits | 95.0750% | 1,942 |
| Net loans and leases to core deposits | 113.4558% | 2,975 |
| Total domestic deposits to total assets | 80.7748% | 5,162 |
| Equity capital to assets | 13.1273% | 1,649 |
| Core capital (leverage) ratio | 12.6128% | 1,573 |
| Tier 1 risk-based capital ratio | 13.4817% | 3,822 |
| Total risk-based capital ratio | 14.7349% | 3,756 |
| Memoranda: | ||
| Average total assets | $41,095,000 | 7,164 |
| Average earning assets | $37,927,330 | 7,131 |
| Average equity | $5,283,670 | 6,971 |
| Average total loans | $31,861,670 | 6,620 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4755% | 5,041 |
| Cost of funding earning assets | 1.5644% | 6,179 |
| Net interest margin | 3.9111% | 3,004 |
| Noninterest income to average assets | 0.6052% | 3,510 |
| Noninterest expense to average assets | 2.6355% | 5,297 |
| Loan and lease loss provision to assets | 1.1128% | 1,176 |
| Net operating income to assets | 0.4588% | 4,619 |
| Return on assets (ROA) | 0.4588% | 4,797 |
| Pretax return on assets | 0.4685% | 5,180 |
| Return on Equity (ROE) | 3.6064% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.6064% | 3,887 |
| Net charge-offs to loans | 1.3411% | 1,052 |
| Credit loss provision to net charge-offs | 107.5472% | 3,561 |
| Earnings coverage of net charge-offs (x) | 1.5283% | 3,963 |
| Efficiency ratio | 62.5000% | 5,965 |
| Assets per employee ($millions) | 3.8476% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 1,729 |
| Loan loss allowance to noncurrent loans | 121.0526% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1672% | 4,337 |
| Noncurrent loans to loans | 1.5324% | 3,984 |
| Net loans and leases to total assets | 74.7566% | 2,566 |
| Net loans and leases to deposits | 91.7953% | 2,635 |
| Net loans and leases to core deposits | 109.2919% | 3,527 |
| Total domestic deposits to total assets | 81.4384% | 4,771 |
| Equity capital to assets | 12.4894% | 1,978 |
| Core capital (leverage) ratio | 12.2810% | 1,771 |
| Tier 1 risk-based capital ratio | 13.0232% | 4,169 |
| Total risk-based capital ratio | 14.2777% | 4,086 |
| Memoranda: | ||
| Average total assets | $40,979,500 | 7,204 |
| Average earning assets | $37,841,500 | 7,181 |
| Average equity | $5,213,000 | 7,050 |
| Average total loans | $31,616,500 | 6,672 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2086% | 4,472 |
| Cost of funding earning assets | 2.2834% | 5,234 |
| Net interest margin | 3.9252% | 3,460 |
| Noninterest income to average assets | 0.6723% | 3,311 |
| Noninterest expense to average assets | 2.8342% | 4,675 |
| Loan and lease loss provision to assets | 0.2724% | 4,215 |
| Net operating income to assets | 1.1324% | 2,019 |
| Return on assets (ROA) | 1.1372% | 1,918 |
| Pretax return on assets | 1.1797% | 2,726 |
| Return on Equity (ROE) | 9.1241% | 2,602 |
| Retained earnings to average equity (ytd only) | 3.1082% | 3,223 |
| Net charge-offs to loans | 0.0391% | 6,243 |
| Credit loss provision to net charge-offs | 908.3333% | 490 |
| Earnings coverage of net charge-offs (x) | 48.2500% | 780 |
| Efficiency ratio | 66.1996% | 5,089 |
| Assets per employee ($millions) | 3.3029% | 5,203 |
| Cash dividends to net income (ytd only)* | 65.9341% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9035% | 1,406 |
| Loan loss allowance to noncurrent loans | 110.0746% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.3523% | 3,502 |
| Noncurrent loans to loans | 1.7293% | 3,172 |
| Net loans and leases to total assets | 76.7125% | 2,447 |
| Net loans and leases to deposits | 94.0923% | 2,747 |
| Net loans and leases to core deposits | 114.1586% | 3,323 |
| Total domestic deposits to total assets | 81.5290% | 4,393 |
| Equity capital to assets | 12.9683% | 1,805 |
| Core capital (leverage) ratio | 12.8130% | 1,615 |
| Tier 1 risk-based capital ratio | 13.6648% | 3,716 |
| Total risk-based capital ratio | 14.9178% | 3,629 |
| Memoranda: | ||
| Average total assets | $40,011,400 | 7,210 |
| Average earning assets | $36,787,600 | 7,199 |
| Average equity | $4,986,800 | 7,148 |
| Average total loans | $30,720,600 | 6,662 |