Home > The First National Bank of Nevada, Missouri > Performance and Condition Ratios
The First National Bank of Nevada, Missouri, Performance and Condition Ratios
| 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 | 4.1049% | 4,225 |
| Cost of funding earning assets | 1.2928% | 3,678 |
| Net interest margin | 2.8120% | 3,434 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 2.1941% | 3,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6060% | 3,200 |
| Return on assets (ROA) | 0.6060% | 3,229 |
| Pretax return on assets | 0.7464% | 3,154 |
| Return on Equity (ROE) | 4.9500% | 3,543 |
| Retained earnings to average equity (ytd only) | 4.9547% | 2,487 |
| Net charge-offs to loans | -0.0089% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.6154% | 1,520 |
| Assets per employee ($millions) | 8.6554% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 460 |
| Loan loss allowance to noncurrent loans | 331.6794% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 2,315 |
| Noncurrent loans to loans | 0.5744% | 1,657 |
| Net loans and leases to total assets | 39.7600% | 4,036 |
| Net loans and leases to deposits | 46.1415% | 4,061 |
| Net loans and leases to core deposits | 48.8226% | 4,071 |
| Total domestic deposits to total assets | 86.1800% | 1,869 |
| Equity capital to assets | 13.0039% | 965 |
| Core capital (leverage) ratio | 15.9181% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2937% | 408 |
| Memoranda: | ||
| Average total assets | $111,996,250 | 3,684 |
| Average earning assets | $104,264,000 | 3,676 |
| Average equity | $13,697,000 | 3,454 |
| Average total loans | $44,692,750 | 3,908 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 4,254 |
| Cost of funding earning assets | 1.2555% | 3,700 |
| Net interest margin | 2.7864% | 3,445 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.1731% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6653% | 3,029 |
| Return on assets (ROA) | 0.6653% | 3,055 |
| Pretax return on assets | 0.8013% | 2,992 |
| Return on Equity (ROE) | 5.5600% | 3,392 |
| Retained earnings to average equity (ytd only) | 5.5583% | 2,162 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 73.0607% | 1,742 |
| Assets per employee ($millions) | 8.5557% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 436 |
| Loan loss allowance to noncurrent loans | 253.2164% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 1,934 |
| Noncurrent loans to loans | 0.7647% | 1,219 |
| Net loans and leases to total assets | 39.4300% | 4,054 |
| Net loans and leases to deposits | 45.2174% | 4,071 |
| Net loans and leases to core deposits | 48.0573% | 4,094 |
| Total domestic deposits to total assets | 87.2100% | 1,573 |
| Equity capital to assets | 12.0756% | 1,148 |
| Core capital (leverage) ratio | 15.8481% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8159% | 426 |
| Memoranda: | ||
| Average total assets | $111,821,667 | 3,696 |
| Average earning assets | $103,863,000 | 3,693 |
| Average equity | $13,385,333 | 3,463 |
| Average total loans | $44,386,667 | 3,926 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 4,244 |
| Cost of funding earning assets | 1.2178% | 3,695 |
| Net interest margin | 2.7978% | 3,375 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.0478% | 3,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8348% | 2,433 |
| Return on assets (ROA) | 0.8348% | 2,446 |
| Pretax return on assets | 1.0382% | 2,287 |
| Return on Equity (ROE) | 7.0000% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.0047% | 1,833 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 66.3584% | 2,573 |
| Assets per employee ($millions) | 8.7230% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 451 |
| Loan loss allowance to noncurrent loans | 119.6133% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 1,006 |
| Noncurrent loans to loans | 1.5924% | 487 |
| Net loans and leases to total assets | 39.3300% | 4,040 |
| Net loans and leases to deposits | 44.9179% | 4,066 |
| Net loans and leases to core deposits | 47.6745% | 4,124 |
| Total domestic deposits to total assets | 87.5600% | 1,585 |
| Equity capital to assets | 11.7788% | 1,194 |
| Core capital (leverage) ratio | 14.3188% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5068% | 456 |
| Memoranda: | ||
| Average total assets | $112,120,500 | 3,713 |
| Average earning assets | $103,795,500 | 3,711 |
| Average equity | $13,362,500 | 3,470 |
| Average total loans | $44,217,000 | 3,947 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 4,161 |
| Cost of funding earning assets | 0.8893% | 3,539 |
| Net interest margin | 2.9295% | 3,429 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.1565% | 3,239 |
| Loan and lease loss provision to assets | -0.1100% | 4,523 |
| Net operating income to assets | 0.7851% | 2,913 |
| Return on assets (ROA) | 0.7299% | 3,090 |
| Pretax return on assets | 0.8924% | 2,983 |
| Return on Equity (ROE) | 6.6700% | 3,373 |
| Retained earnings to average equity (ytd only) | 6.6726% | 2,001 |
| Net charge-offs to loans | 0.0341% | 1,622 |
| Credit loss provision to net charge-offs | -833.3333% | 4,557 |
| Earnings coverage of net charge-offs (x) | 62.9333% | 1,161 |
| Efficiency ratio | 71.7872% | 1,677 |
| Assets per employee ($millions) | 9.2368% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0154% | 363 |
| Loan loss allowance to noncurrent loans | 171.4851% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 1,220 |
| Noncurrent loans to loans | 1.1753% | 613 |
| Net loans and leases to total assets | 37.9800% | 4,096 |
| Net loans and leases to deposits | 43.5034% | 4,112 |
| Net loans and leases to core deposits | 46.2335% | 4,154 |
| Total domestic deposits to total assets | 87.3100% | 1,584 |
| Equity capital to assets | 12.0604% | 1,108 |
| Core capital (leverage) ratio | 15.8785% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9606% | 428 |
| Memoranda: | ||
| Average total assets | $111,385,800 | 3,732 |
| Average earning assets | $102,886,200 | 3,714 |
| Average equity | $12,184,200 | 3,505 |
| Average total loans | $43,970,800 | 3,934 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 4,145 |
| Cost of funding earning assets | 0.7903% | 3,549 |
| Net interest margin | 2.9742% | 3,391 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.1245% | 3,284 |
| Loan and lease loss provision to assets | -0.1500% | 4,571 |
| Net operating income to assets | 0.8666% | 2,810 |
| Return on assets (ROA) | 0.8249% | 2,932 |
| Pretax return on assets | 1.0210% | 2,794 |
| Return on Equity (ROE) | 7.7400% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.7385% | 2,060 |
| Net charge-offs to loans | 0.0452% | 1,243 |
| Credit loss provision to net charge-offs | -833.3333% | 4,593 |
| Earnings coverage of net charge-offs (x) | 51.4667% | 1,300 |
| Efficiency ratio | 69.7136% | 1,819 |
| Assets per employee ($millions) | 9.0500% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 422 |
| Loan loss allowance to noncurrent loans | 984.0909% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 3,050 |
| Noncurrent loans to loans | 0.1989% | 2,560 |
| Net loans and leases to total assets | 39.9400% | 4,059 |
| Net loans and leases to deposits | 44.9687% | 4,078 |
| Net loans and leases to core deposits | 47.5921% | 4,092 |
| Total domestic deposits to total assets | 88.8200% | 1,313 |
| Equity capital to assets | 10.4134% | 1,594 |
| Core capital (leverage) ratio | 15.7088% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0526% | 486 |
| Memoranda: | ||
| Average total assets | $111,521,750 | 3,741 |
| Average earning assets | $102,746,500 | 3,729 |
| Average equity | $11,888,250 | 3,531 |
| Average total loans | $44,221,250 | 3,939 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,137 |
| Cost of funding earning assets | 0.6914% | 3,510 |
| Net interest margin | 3.0166% | 3,388 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.0339% | 3,509 |
| Loan and lease loss provision to assets | -0.2200% | 4,617 |
| Net operating income to assets | 1.0212% | 2,353 |
| Return on assets (ROA) | 0.9600% | 2,537 |
| Pretax return on assets | 1.2000% | 2,358 |
| Return on Equity (ROE) | 8.9400% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.9394% | 1,700 |
| Net charge-offs to loans | 0.0679% | 878 |
| Credit loss provision to net charge-offs | -833.3333% | 4,613 |
| Earnings coverage of net charge-offs (x) | 39.5333% | 1,408 |
| Efficiency ratio | 65.8607% | 2,257 |
| Assets per employee ($millions) | 9.3543% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 442 |
| Loan loss allowance to noncurrent loans | 973.0337% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 2,976 |
| Noncurrent loans to loans | 0.2021% | 2,458 |
| Net loans and leases to total assets | 38.4500% | 4,095 |
| Net loans and leases to deposits | 43.5478% | 4,120 |
| Net loans and leases to core deposits | 45.8093% | 4,134 |
| Total domestic deposits to total assets | 88.3000% | 1,495 |
| Equity capital to assets | 11.0262% | 1,379 |
| Core capital (leverage) ratio | 15.3392% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0451% | 481 |
| Memoranda: | ||
| Average total assets | $112,495,667 | 3,743 |
| Average earning assets | $103,560,333 | 3,741 |
| Average equity | $12,081,333 | 3,527 |
| Average total loans | $44,214,667 | 3,951 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 4,165 |
| Cost of funding earning assets | 0.6245% | 3,307 |
| Net interest margin | 2.9656% | 3,666 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.0814% | 3,425 |
| Loan and lease loss provision to assets | -0.1800% | 4,618 |
| Net operating income to assets | 0.9792% | 2,597 |
| Return on assets (ROA) | 0.8524% | 2,965 |
| Pretax return on assets | 1.0229% | 2,927 |
| Return on Equity (ROE) | 8.0400% | 3,279 |
| Retained earnings to average equity (ytd only) | 8.0446% | 2,204 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.5894% | 2,025 |
| Assets per employee ($millions) | 8.1456% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1549% | 342 |
| Loan loss allowance to noncurrent loans | 735.3846% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 2,724 |
| Noncurrent loans to loans | 0.2930% | 2,091 |
| Net loans and leases to total assets | 38.0600% | 4,114 |
| Net loans and leases to deposits | 42.9081% | 4,134 |
| Net loans and leases to core deposits | 45.0244% | 4,143 |
| Total domestic deposits to total assets | 88.7100% | 1,654 |
| Equity capital to assets | 10.8831% | 1,385 |
| Core capital (leverage) ratio | 14.9665% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5511% | 530 |
| Memoranda: | ||
| Average total assets | $112,618,000 | 3,797 |
| Average earning assets | $104,395,500 | 3,782 |
| Average equity | $11,933,500 | 3,578 |
| Average total loans | $44,308,000 | 3,993 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0683% | 4,050 |
| Cost of funding earning assets | 0.1938% | 3,809 |
| Net interest margin | 2.8745% | 3,742 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.1445% | 3,176 |
| Loan and lease loss provision to assets | -0.1500% | 4,601 |
| Net operating income to assets | 0.7827% | 3,388 |
| Return on assets (ROA) | 0.6373% | 3,738 |
| Pretax return on assets | 0.7739% | 3,685 |
| Return on Equity (ROE) | 6.0800% | 3,810 |
| Retained earnings to average equity (ytd only) | 5.8786% | 2,686 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.7273% | 1,359 |
| Assets per employee ($millions) | 6.5410% | 2,306 |
| Cash dividends to net income (ytd only)* | 3.2564% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2733% | 276 |
| Loan loss allowance to noncurrent loans | 229.6804% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 1,295 |
| Noncurrent loans to loans | 0.9898% | 740 |
| Net loans and leases to total assets | 38.8900% | 4,105 |
| Net loans and leases to deposits | 43.5855% | 4,130 |
| Net loans and leases to core deposits | 45.8790% | 4,123 |
| Total domestic deposits to total assets | 89.2300% | 1,656 |
| Equity capital to assets | 10.3024% | 1,553 |
| Core capital (leverage) ratio | 14.9226% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0818% | 542 |
| Memoranda: | ||
| Average total assets | $115,643,000 | 3,767 |
| Average earning assets | $107,844,000 | 3,750 |
| Average equity | $12,128,800 | 3,659 |
| Average total loans | $42,936,800 | 4,013 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9917% | 3,900 |
| Cost of funding earning assets | 0.1480% | 3,863 |
| Net interest margin | 2.8437% | 3,643 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.1412% | 3,098 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.6601% | 3,666 |
| Return on assets (ROA) | 0.6292% | 3,705 |
| Pretax return on assets | 0.7628% | 3,666 |
| Return on Equity (ROE) | 5.9700% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.7140% | 2,852 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.3568% | 1,344 |
| Assets per employee ($millions) | 6.7964% | 2,097 |
| Cash dividends to net income (ytd only)* | 4.3557% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6292% | 205 |
| Loan loss allowance to noncurrent loans | 259.1928% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 1,405 |
| Noncurrent loans to loans | 1.0144% | 752 |
| Net loans and leases to total assets | 37.0500% | 4,183 |
| Net loans and leases to deposits | 40.7247% | 4,212 |
| Net loans and leases to core deposits | 42.1854% | 4,219 |
| Total domestic deposits to total assets | 90.9800% | 1,250 |
| Equity capital to assets | 8.6360% | 2,451 |
| Core capital (leverage) ratio | 13.9212% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3288% | 536 |
| Memoranda: | ||
| Average total assets | $116,754,500 | 3,783 |
| Average earning assets | $109,010,250 | 3,763 |
| Average equity | $12,297,000 | 3,684 |
| Average total loans | $42,608,000 | 4,041 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8802% | 3,830 |
| Cost of funding earning assets | 0.1414% | 3,692 |
| Net interest margin | 2.7388% | 3,613 |
| Noninterest income to average assets | 0.2612% | 3,610 |
| Noninterest expense to average assets | 2.1151% | 3,110 |
| Loan and lease loss provision to assets | 0.0512% | 1,661 |
| Net operating income to assets | 0.5552% | 3,748 |
| Return on assets (ROA) | 0.5650% | 3,666 |
| Pretax return on assets | 0.6862% | 3,609 |
| Return on Equity (ROE) | 5.0650% | 3,804 |
| Retained earnings to average equity (ytd only) | 4.6978% | 2,816 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4591% | 1,460 |
| Assets per employee ($millions) | 6.8984% | 2,007 |
| Cash dividends to net income (ytd only)* | 7.2508% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9034% | 154 |
| Loan loss allowance to noncurrent loans | 553.2110% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 2,428 |
| Noncurrent loans to loans | 0.5248% | 1,574 |
| Net loans and leases to total assets | 34.3918% | 4,315 |
| Net loans and leases to deposits | 38.2461% | 4,325 |
| Net loans and leases to core deposits | 38.7614% | 4,358 |
| Total domestic deposits to total assets | 89.9226% | 1,741 |
| Equity capital to assets | 9.7551% | 1,847 |
| Core capital (leverage) ratio | 13.4786% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5387% | 580 |
| Memoranda: | ||
| Average total assets | $117,159,667 | 3,822 |
| Average earning assets | $110,338,667 | 3,804 |
| Average equity | $13,070,000 | 3,676 |
| Average total loans | $42,155,000 | 4,104 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6597% | 4,010 |
| Cost of funding earning assets | 0.1407% | 3,620 |
| Net interest margin | 2.5189% | 3,867 |
| Noninterest income to average assets | 0.2596% | 3,581 |
| Noninterest expense to average assets | 2.1314% | 3,043 |
| Loan and lease loss provision to assets | 0.0786% | 1,046 |
| Net operating income to assets | 0.3523% | 4,051 |
| Return on assets (ROA) | 0.3689% | 3,985 |
| Pretax return on assets | 0.4543% | 3,945 |
| Return on Equity (ROE) | 3.1113% | 4,066 |
| Retained earnings to average equity (ytd only) | 2.4199% | 3,430 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6202% | 1,097 |
| Assets per employee ($millions) | 6.9658% | 2,016 |
| Cash dividends to net income (ytd only)* | 22.2222% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8739% | 176 |
| Loan loss allowance to noncurrent loans | 118.3613% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8554% | 630 |
| Noncurrent loans to loans | 2.4280% | 256 |
| Net loans and leases to total assets | 34.2195% | 4,297 |
| Net loans and leases to deposits | 38.4284% | 4,310 |
| Net loans and leases to core deposits | 38.9462% | 4,341 |
| Total domestic deposits to total assets | 89.0473% | 2,058 |
| Equity capital to assets | 10.6943% | 1,493 |
| Core capital (leverage) ratio | 13.2327% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2055% | 372 |
| Memoranda: | ||
| Average total assets | $117,103,500 | 3,844 |
| Average earning assets | $110,841,000 | 3,809 |
| Average equity | $13,885,000 | 3,669 |
| Average total loans | $42,463,500 | 4,114 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9645% | 3,934 |
| Cost of funding earning assets | 0.1851% | 3,599 |
| Net interest margin | 2.7794% | 3,713 |
| Noninterest income to average assets | 0.2672% | 3,786 |
| Noninterest expense to average assets | 2.2993% | 2,797 |
| Loan and lease loss provision to assets | 0.0783% | 1,556 |
| Net operating income to assets | 0.4261% | 4,231 |
| Return on assets (ROA) | 0.5674% | 3,987 |
| Pretax return on assets | 0.7067% | 3,917 |
| Return on Equity (ROE) | 4.2329% | 4,168 |
| Retained earnings to average equity (ytd only) | -4.8562% | 4,708 |
| Net charge-offs to loans | 0.0022% | 2,553 |
| Credit loss provision to net charge-offs | 9,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 699.0000% | 209 |
| Efficiency ratio | 79.0781% | 866 |
| Assets per employee ($millions) | 6.8111% | 2,058 |
| Cash dividends to net income (ytd only)* | 214.7239% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7218% | 207 |
| Loan loss allowance to noncurrent loans | 118.7879% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 686 |
| Noncurrent loans to loans | 2.2913% | 312 |
| Net loans and leases to total assets | 36.2988% | 4,271 |
| Net loans and leases to deposits | 41.8384% | 4,280 |
| Net loans and leases to core deposits | 42.4455% | 4,329 |
| Total domestic deposits to total assets | 86.7595% | 2,592 |
| Equity capital to assets | 13.0461% | 883 |
| Core capital (leverage) ratio | 13.1914% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0483% | 396 |
| Memoranda: | ||
| Average total assets | $114,902,200 | 3,853 |
| Average earning assets | $109,159,000 | 3,821 |
| Average equity | $15,403,000 | 3,593 |
| Average total loans | $45,869,600 | 4,073 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0248% | 3,956 |
| Cost of funding earning assets | 0.1988% | 3,615 |
| Net interest margin | 2.8260% | 3,716 |
| Noninterest income to average assets | 0.2569% | 3,857 |
| Noninterest expense to average assets | 2.2439% | 2,912 |
| Loan and lease loss provision to assets | 0.0794% | 1,490 |
| Net operating income to assets | 0.4677% | 4,259 |
| Return on assets (ROA) | 0.6441% | 3,970 |
| Pretax return on assets | 0.8348% | 3,829 |
| Return on Equity (ROE) | 4.7725% | 4,171 |
| Retained earnings to average equity (ytd only) | -7.2879% | 4,822 |
| Net charge-offs to loans | 0.0029% | 2,254 |
| Credit loss provision to net charge-offs | 6,800.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 594.0000% | 255 |
| Efficiency ratio | 76.4659% | 1,006 |
| Assets per employee ($millions) | 6.8474% | 1,986 |
| Cash dividends to net income (ytd only)* | 252.7076% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5781% | 256 |
| Loan loss allowance to noncurrent loans | 113.4710% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 795 |
| Noncurrent loans to loans | 2.2720% | 359 |
| Net loans and leases to total assets | 37.4623% | 4,323 |
| Net loans and leases to deposits | 43.3178% | 4,334 |
| Net loans and leases to core deposits | 44.0578% | 4,377 |
| Total domestic deposits to total assets | 86.4825% | 2,564 |
| Equity capital to assets | 13.0673% | 965 |
| Core capital (leverage) ratio | 12.9079% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1897% | 473 |
| Memoranda: | ||
| Average total assets | $114,680,500 | 3,901 |
| Average earning assets | $108,656,250 | 3,868 |
| Average equity | $15,477,250 | 3,631 |
| Average total loans | $46,535,500 | 4,122 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2317% | 3,608 |
| Cost of funding earning assets | 0.2250% | 3,516 |
| Net interest margin | 3.0067% | 3,304 |
| Noninterest income to average assets | 0.2542% | 3,872 |
| Noninterest expense to average assets | 2.1874% | 3,131 |
| Loan and lease loss provision to assets | 0.0789% | 1,530 |
| Net operating income to assets | 0.4882% | 4,243 |
| Return on assets (ROA) | 0.7291% | 3,754 |
| Pretax return on assets | 1.1270% | 3,122 |
| Return on Equity (ROE) | 5.3450% | 4,070 |
| Retained earnings to average equity (ytd only) | -12.6429% | 4,889 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8286% | 1,542 |
| Assets per employee ($millions) | 6.7499% | 1,984 |
| Cash dividends to net income (ytd only)* | 336.5385% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4505% | 293 |
| Loan loss allowance to noncurrent loans | 108.2218% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 848 |
| Noncurrent loans to loans | 2.2644% | 390 |
| Net loans and leases to total assets | 39.2701% | 4,319 |
| Net loans and leases to deposits | 45.5241% | 4,326 |
| Net loans and leases to core deposits | 46.6355% | 4,376 |
| Total domestic deposits to total assets | 86.2622% | 2,644 |
| Equity capital to assets | 13.2149% | 887 |
| Core capital (leverage) ratio | 12.9375% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6616% | 502 |
| Memoranda: | ||
| Average total assets | $114,105,667 | 3,924 |
| Average earning assets | $107,559,000 | 3,899 |
| Average equity | $15,566,000 | 3,626 |
| Average total loans | $47,126,667 | 4,131 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 2,809 |
| Cost of funding earning assets | 0.2743% | 3,230 |
| Net interest margin | 3.2652% | 2,496 |
| Noninterest income to average assets | 0.2566% | 3,860 |
| Noninterest expense to average assets | 2.1725% | 3,192 |
| Loan and lease loss provision to assets | 0.0809% | 1,601 |
| Net operating income to assets | 0.7721% | 3,505 |
| Return on assets (ROA) | 1.2831% | 1,949 |
| Pretax return on assets | 1.7050% | 1,476 |
| Return on Equity (ROE) | 9.2598% | 2,940 |
| Retained earnings to average equity (ytd only) | -26.2574% | 4,937 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6051% | 2,288 |
| Assets per employee ($millions) | 7.8240% | 1,273 |
| Cash dividends to net income (ytd only)* | 383.5616% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3195% | 354 |
| Loan loss allowance to noncurrent loans | 105.2133% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 962 |
| Noncurrent loans to loans | 2.2046% | 455 |
| Net loans and leases to total assets | 39.8304% | 4,357 |
| Net loans and leases to deposits | 45.9365% | 4,356 |
| Net loans and leases to core deposits | 47.0257% | 4,406 |
| Total domestic deposits to total assets | 86.7076% | 2,441 |
| Equity capital to assets | 12.8374% | 962 |
| Core capital (leverage) ratio | 13.3676% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2856% | 495 |
| Memoranda: | ||
| Average total assets | $113,784,000 | 3,930 |
| Average earning assets | $106,457,000 | 3,917 |
| Average equity | $15,767,000 | 3,612 |
| Average total loans | $47,593,000 | 4,147 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6853% | 3,614 |
| Cost of funding earning assets | 0.4581% | 3,235 |
| Net interest margin | 3.2273% | 3,280 |
| Noninterest income to average assets | 0.2687% | 3,870 |
| Noninterest expense to average assets | 2.4969% | 2,855 |
| Loan and lease loss provision to assets | 0.0870% | 3,277 |
| Net operating income to assets | 0.5538% | 3,893 |
| Return on assets (ROA) | 0.7569% | 3,372 |
| Pretax return on assets | 0.9522% | 3,215 |
| Return on Equity (ROE) | 4.8980% | 3,932 |
| Retained earnings to average equity (ytd only) | 4.8980% | 2,316 |
| Net charge-offs to loans | 0.0463% | 2,140 |
| Credit loss provision to net charge-offs | 375.0000% | 1,507 |
| Earnings coverage of net charge-offs (x) | 33.7083% | 1,511 |
| Efficiency ratio | 76.1498% | 1,207 |
| Assets per employee ($millions) | 7.3472% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3958% | 299 |
| Loan loss allowance to noncurrent loans | 105.0000% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0362% | 909 |
| Noncurrent loans to loans | 2.2818% | 468 |
| Net loans and leases to total assets | 41.9189% | 4,359 |
| Net loans and leases to deposits | 49.6113% | 4,332 |
| Net loans and leases to core deposits | 50.6640% | 4,397 |
| Total domestic deposits to total assets | 84.4948% | 2,949 |
| Equity capital to assets | 14.9427% | 583 |
| Core capital (leverage) ratio | 14.8130% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6937% | 328 |
| Memoranda: | ||
| Average total assets | $103,447,200 | 3,951 |
| Average earning assets | $96,490,400 | 3,936 |
| Average equity | $15,986,000 | 3,551 |
| Average total loans | $51,871,200 | 4,069 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 3,285 |
| Cost of funding earning assets | 0.4944% | 3,261 |
| Net interest margin | 3.3948% | 2,941 |
| Noninterest income to average assets | 0.2752% | 3,827 |
| Noninterest expense to average assets | 2.5433% | 2,712 |
| Loan and lease loss provision to assets | 0.0875% | 3,215 |
| Net operating income to assets | 0.6389% | 3,668 |
| Return on assets (ROA) | 0.9329% | 2,718 |
| Pretax return on assets | 1.1740% | 2,476 |
| Return on Equity (ROE) | 5.9835% | 3,558 |
| Retained earnings to average equity (ytd only) | 5.9835% | 2,112 |
| Net charge-offs to loans | 0.0327% | 2,173 |
| Credit loss provision to net charge-offs | 523.0769% | 1,253 |
| Earnings coverage of net charge-offs (x) | 52.2308% | 1,169 |
| Efficiency ratio | 74.0840% | 1,399 |
| Assets per employee ($millions) | 6.1871% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 368 |
| Loan loss allowance to noncurrent loans | 94.6083% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 913 |
| Noncurrent loans to loans | 2.2925% | 489 |
| Net loans and leases to total assets | 48.1598% | 4,206 |
| Net loans and leases to deposits | 57.6168% | 4,182 |
| Net loans and leases to core deposits | 58.9128% | 4,260 |
| Total domestic deposits to total assets | 83.5864% | 2,956 |
| Equity capital to assets | 15.5532% | 532 |
| Core capital (leverage) ratio | 15.3851% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8469% | 338 |
| Memoranda: | ||
| Average total assets | $101,757,000 | 3,969 |
| Average earning assets | $94,651,750 | 3,958 |
| Average equity | $15,865,500 | 3,566 |
| Average total loans | $53,006,000 | 4,065 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 3,839 |
| Cost of funding earning assets | 0.5184% | 3,423 |
| Net interest margin | 3.2916% | 3,407 |
| Noninterest income to average assets | 0.2803% | 3,791 |
| Noninterest expense to average assets | 2.5582% | 2,800 |
| Loan and lease loss provision to assets | 0.0894% | 3,156 |
| Net operating income to assets | 0.6096% | 3,707 |
| Return on assets (ROA) | 0.8687% | 2,932 |
| Pretax return on assets | 1.0495% | 2,873 |
| Return on Equity (ROE) | 5.5665% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.5665% | 2,251 |
| Net charge-offs to loans | 0.0037% | 2,845 |
| Credit loss provision to net charge-offs | 4,500.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 242 |
| Efficiency ratio | 75.5725% | 1,302 |
| Assets per employee ($millions) | 6.0902% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0895% | 382 |
| Loan loss allowance to noncurrent loans | 79.7704% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 749 |
| Noncurrent loans to loans | 2.6194% | 432 |
| Net loans and leases to total assets | 50.3289% | 4,148 |
| Net loans and leases to deposits | 60.2052% | 4,106 |
| Net loans and leases to core deposits | 61.5784% | 4,188 |
| Total domestic deposits to total assets | 83.5956% | 2,886 |
| Equity capital to assets | 15.5661% | 534 |
| Core capital (leverage) ratio | 15.5680% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0680% | 363 |
| Memoranda: | ||
| Average total assets | $100,615,667 | 3,983 |
| Average earning assets | $94,908,667 | 3,954 |
| Average equity | $15,701,000 | 3,586 |
| Average total loans | $53,415,333 | 4,069 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,927 |
| Cost of funding earning assets | 0.5484% | 3,703 |
| Net interest margin | 3.4020% | 3,290 |
| Noninterest income to average assets | 0.3026% | 3,699 |
| Noninterest expense to average assets | 2.6705% | 2,780 |
| Loan and lease loss provision to assets | 0.0928% | 2,521 |
| Net operating income to assets | 0.6172% | 3,553 |
| Return on assets (ROA) | 0.7947% | 3,017 |
| Pretax return on assets | 0.9561% | 2,979 |
| Return on Equity (ROE) | 5.0860% | 3,598 |
| Retained earnings to average equity (ytd only) | 5.0860% | 2,235 |
| Net charge-offs to loans | 0.0075% | 2,297 |
| Credit loss provision to net charge-offs | 2,300.0000% | 313 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 337 |
| Efficiency ratio | 76.1795% | 1,546 |
| Assets per employee ($millions) | 5.8738% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0702% | 456 |
| Loan loss allowance to noncurrent loans | 81.7091% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.3359% | 862 |
| Noncurrent loans to loans | 2.5337% | 470 |
| Net loans and leases to total assets | 51.6359% | 4,142 |
| Net loans and leases to deposits | 61.6132% | 4,123 |
| Net loans and leases to core deposits | 63.4581% | 4,202 |
| Total domestic deposits to total assets | 83.8065% | 2,851 |
| Equity capital to assets | 15.6757% | 638 |
| Core capital (leverage) ratio | 15.7982% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6357% | 369 |
| Memoranda: | ||
| Average total assets | $99,157,000 | 4,006 |
| Average earning assets | $93,356,000 | 3,976 |
| Average equity | $15,493,500 | 3,612 |
| Average total loans | $53,513,500 | 4,079 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 4,133 |
| Cost of funding earning assets | 0.5521% | 3,865 |
| Net interest margin | 3.5036% | 3,437 |
| Noninterest income to average assets | 0.3241% | 3,753 |
| Noninterest expense to average assets | 2.7978% | 2,607 |
| Loan and lease loss provision to assets | 0.0926% | 2,181 |
| Net operating income to assets | 0.5937% | 4,179 |
| Return on assets (ROA) | 0.6287% | 4,140 |
| Pretax return on assets | 0.7810% | 4,012 |
| Return on Equity (ROE) | 4.1374% | 4,431 |
| Retained earnings to average equity (ytd only) | 4.1374% | 2,893 |
| Net charge-offs to loans | 0.0628% | 2,201 |
| Credit loss provision to net charge-offs | 257.1429% | 1,067 |
| Earnings coverage of net charge-offs (x) | 23.0571% | 1,827 |
| Efficiency ratio | 77.1129% | 1,252 |
| Assets per employee ($millions) | 5.4699% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9641% | 480 |
| Loan loss allowance to noncurrent loans | 54.5176% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 2.0404% | 377 |
| Noncurrent loans to loans | 3.6027% | 225 |
| Net loans and leases to total assets | 54.1423% | 4,067 |
| Net loans and leases to deposits | 64.3521% | 4,055 |
| Net loans and leases to core deposits | 68.4568% | 4,055 |
| Total domestic deposits to total assets | 84.1345% | 2,809 |
| Equity capital to assets | 15.5740% | 677 |
| Core capital (leverage) ratio | 15.7162% | 559 |
| Tier 1 risk-based capital ratio | 25.4303% | 724 |
| Total risk-based capital ratio | 26.6860% | 703 |
| Memoranda: | ||
| Average total assets | $97,184,200 | 4,047 |
| Average earning assets | $91,648,800 | 4,019 |
| Average equity | $14,767,800 | 3,659 |
| Average total loans | $55,726,800 | 4,059 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 4,342 |
| Cost of funding earning assets | 0.5511% | 3,922 |
| Net interest margin | 3.4609% | 3,694 |
| Noninterest income to average assets | 0.3180% | 3,846 |
| Noninterest expense to average assets | 2.7611% | 2,682 |
| Loan and lease loss provision to assets | 0.0922% | 2,067 |
| Net operating income to assets | 0.5772% | 4,352 |
| Return on assets (ROA) | 0.6153% | 4,303 |
| Pretax return on assets | 0.7805% | 4,174 |
| Return on Equity (ROE) | 4.0748% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.0748% | 3,362 |
| Net charge-offs to loans | 0.0761% | 1,737 |
| Credit loss provision to net charge-offs | 209.3750% | 1,260 |
| Earnings coverage of net charge-offs (x) | 18.7169% | 2,039 |
| Efficiency ratio | 77.0058% | 1,218 |
| Assets per employee ($millions) | 5.0225% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 599 |
| Loan loss allowance to noncurrent loans | 58.0931% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.9428% | 462 |
| Noncurrent loans to loans | 3.1899% | 290 |
| Net loans and leases to total assets | 58.1659% | 3,870 |
| Net loans and leases to deposits | 69.6603% | 3,787 |
| Net loans and leases to core deposits | 73.0064% | 3,890 |
| Total domestic deposits to total assets | 83.4994% | 2,992 |
| Equity capital to assets | 15.8812% | 660 |
| Core capital (leverage) ratio | 15.7059% | 604 |
| Tier 1 risk-based capital ratio | 25.1108% | 763 |
| Total risk-based capital ratio | 26.3675% | 750 |
| Memoranda: | ||
| Average total assets | $96,865,500 | 4,093 |
| Average earning assets | $91,456,750 | 4,068 |
| Average equity | $14,626,250 | 3,703 |
| Average total loans | $56,064,500 | 4,100 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 4,513 |
| Cost of funding earning assets | 0.5460% | 3,898 |
| Net interest margin | 3.3833% | 3,945 |
| Noninterest income to average assets | 0.3082% | 3,870 |
| Noninterest expense to average assets | 2.7613% | 2,714 |
| Loan and lease loss provision to assets | 0.0925% | 1,998 |
| Net operating income to assets | 0.4402% | 4,656 |
| Return on assets (ROA) | 0.4499% | 4,669 |
| Pretax return on assets | 0.6492% | 4,447 |
| Return on Equity (ROE) | 3.0311% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.0311% | 3,703 |
| Net charge-offs to loans | 0.1503% | 1,039 |
| Credit loss provision to net charge-offs | 107.1429% | 1,866 |
| Earnings coverage of net charge-offs (x) | 8.4524% | 2,414 |
| Efficiency ratio | 79.1054% | 1,050 |
| Assets per employee ($millions) | 5.4385% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 669 |
| Loan loss allowance to noncurrent loans | 60.5483% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.7652% | 580 |
| Noncurrent loans to loans | 2.9892% | 341 |
| Net loans and leases to total assets | 56.3054% | 4,059 |
| Net loans and leases to deposits | 66.7131% | 4,045 |
| Net loans and leases to core deposits | 71.3949% | 4,040 |
| Total domestic deposits to total assets | 84.3993% | 2,723 |
| Equity capital to assets | 15.1747% | 771 |
| Core capital (leverage) ratio | 15.5319% | 615 |
| Tier 1 risk-based capital ratio | 24.3763% | 812 |
| Total risk-based capital ratio | 25.6311% | 797 |
| Memoranda: | ||
| Average total assets | $97,345,000 | 4,109 |
| Average earning assets | $91,568,670 | 4,087 |
| Average equity | $14,450,000 | 3,728 |
| Average total loans | $55,901,330 | 4,126 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9186% | 4,519 |
| Cost of funding earning assets | 0.5372% | 3,880 |
| Net interest margin | 3.3815% | 3,933 |
| Noninterest income to average assets | 0.3008% | 3,873 |
| Noninterest expense to average assets | 2.7897% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5481% | 4,385 |
| Return on assets (ROA) | 0.5481% | 4,414 |
| Pretax return on assets | 0.6758% | 4,359 |
| Return on Equity (ROE) | 3.7340% | 4,629 |
| Retained earnings to average equity (ytd only) | 3.7340% | 3,432 |
| Net charge-offs to loans | 0.2366% | 608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.9697% | 2,292 |
| Efficiency ratio | 80.4994% | 1,010 |
| Assets per employee ($millions) | 5.3349% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 740 |
| Loan loss allowance to noncurrent loans | 65.5518% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.6183% | 702 |
| Noncurrent loans to loans | 2.7056% | 445 |
| Net loans and leases to total assets | 56.5210% | 4,028 |
| Net loans and leases to deposits | 66.7314% | 4,000 |
| Net loans and leases to core deposits | 71.4939% | 3,982 |
| Total domestic deposits to total assets | 84.6993% | 2,782 |
| Equity capital to assets | 15.0779% | 741 |
| Core capital (leverage) ratio | 15.5423% | 589 |
| Tier 1 risk-based capital ratio | 25.0771% | 758 |
| Total risk-based capital ratio | 26.3317% | 740 |
| Memoranda: | ||
| Average total assets | $97,071,000 | 4,148 |
| Average earning assets | $90,848,000 | 4,128 |
| Average equity | $14,247,500 | 3,767 |
| Average total loans | $55,784,500 | 4,171 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 4,198 |
| Cost of funding earning assets | 0.3474% | 4,296 |
| Net interest margin | 3.5892% | 3,418 |
| Noninterest income to average assets | 0.2935% | 4,144 |
| Noninterest expense to average assets | 2.6395% | 3,212 |
| Loan and lease loss provision to assets | 0.0673% | 2,803 |
| Net operating income to assets | 0.7569% | 3,945 |
| Return on assets (ROA) | 0.6765% | 4,220 |
| Pretax return on assets | 0.8504% | 4,036 |
| Return on Equity (ROE) | 4.9571% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.9571% | 2,788 |
| Net charge-offs to loans | 0.0609% | 2,260 |
| Credit loss provision to net charge-offs | 197.0588% | 1,466 |
| Earnings coverage of net charge-offs (x) | 29.7941% | 1,611 |
| Efficiency ratio | 72.1627% | 1,871 |
| Assets per employee ($millions) | 5.4508% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 681 |
| Loan loss allowance to noncurrent loans | 62.4153% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.6542% | 664 |
| Noncurrent loans to loans | 2.8821% | 367 |
| Net loans and leases to total assets | 56.3630% | 4,107 |
| Net loans and leases to deposits | 66.2585% | 4,098 |
| Net loans and leases to core deposits | 71.4027% | 4,034 |
| Total domestic deposits to total assets | 85.0653% | 2,620 |
| Equity capital to assets | 14.2854% | 894 |
| Core capital (leverage) ratio | 15.3301% | 623 |
| Tier 1 risk-based capital ratio | 24.3427% | 793 |
| Total risk-based capital ratio | 25.5979% | 774 |
| Memoranda: | ||
| Average total assets | $99,487,600 | 4,108 |
| Average earning assets | $93,251,600 | 4,078 |
| Average equity | $13,576,600 | 3,805 |
| Average total loans | $55,803,200 | 4,192 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 4,235 |
| Cost of funding earning assets | 0.2976% | 4,539 |
| Net interest margin | 3.5931% | 3,394 |
| Noninterest income to average assets | 0.2845% | 4,251 |
| Noninterest expense to average assets | 2.6391% | 3,161 |
| Loan and lease loss provision to assets | 0.0908% | 2,161 |
| Net operating income to assets | 0.7399% | 4,107 |
| Return on assets (ROA) | 0.6330% | 4,424 |
| Pretax return on assets | 0.7906% | 4,323 |
| Return on Equity (ROE) | 4.6929% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.6929% | 3,398 |
| Net charge-offs to loans | 0.0910% | 1,594 |
| Credit loss provision to net charge-offs | 178.9474% | 1,504 |
| Earnings coverage of net charge-offs (x) | 19.9982% | 1,970 |
| Efficiency ratio | 72.2222% | 1,849 |
| Assets per employee ($millions) | 5.7261% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 734 |
| Loan loss allowance to noncurrent loans | 63.6421% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.6303% | 764 |
| Noncurrent loans to loans | 2.8164% | 415 |
| Net loans and leases to total assets | 56.8479% | 4,148 |
| Net loans and leases to deposits | 66.4003% | 4,167 |
| Net loans and leases to core deposits | 72.4803% | 4,046 |
| Total domestic deposits to total assets | 85.6139% | 2,352 |
| Equity capital to assets | 13.9516% | 972 |
| Core capital (leverage) ratio | 15.0006% | 704 |
| Tier 1 risk-based capital ratio | 23.9524% | 853 |
| Total risk-based capital ratio | 25.2076% | 836 |
| Memoranda: | ||
| Average total assets | $99,831,000 | 4,147 |
| Average earning assets | $93,622,500 | 4,117 |
| Average equity | $13,466,750 | 3,854 |
| Average total loans | $55,675,750 | 4,239 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7768% | 4,399 |
| Cost of funding earning assets | 0.2376% | 4,815 |
| Net interest margin | 3.5391% | 3,506 |
| Noninterest income to average assets | 0.2762% | 4,340 |
| Noninterest expense to average assets | 2.5909% | 3,354 |
| Loan and lease loss provision to assets | 0.0894% | 2,128 |
| Net operating income to assets | 0.7650% | 3,975 |
| Return on assets (ROA) | 0.5981% | 4,503 |
| Pretax return on assets | 0.7113% | 4,482 |
| Return on Equity (ROE) | 4.4829% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.4829% | 3,355 |
| Net charge-offs to loans | 0.1443% | 1,055 |
| Credit loss provision to net charge-offs | 112.5000% | 1,865 |
| Earnings coverage of net charge-offs (x) | 12.5750% | 2,195 |
| Efficiency ratio | 72.1638% | 1,974 |
| Assets per employee ($millions) | 5.7964% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7458% | 830 |
| Loan loss allowance to noncurrent loans | 57.0684% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.7516% | 684 |
| Noncurrent loans to loans | 3.0591% | 368 |
| Net loans and leases to total assets | 56.2595% | 4,141 |
| Net loans and leases to deposits | 67.4375% | 4,057 |
| Net loans and leases to core deposits | 69.8190% | 4,155 |
| Total domestic deposits to total assets | 83.4247% | 3,275 |
| Equity capital to assets | 13.6871% | 1,030 |
| Core capital (leverage) ratio | 14.6379% | 746 |
| Tier 1 risk-based capital ratio | 23.6591% | 866 |
| Total risk-based capital ratio | 24.9140% | 838 |
| Memoranda: | ||
| Average total assets | $100,660,000 | 4,165 |
| Average earning assets | $94,260,000 | 4,142 |
| Average equity | $13,428,670 | 3,878 |
| Average total loans | $55,451,670 | 4,273 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6763% | 4,520 |
| Cost of funding earning assets | 0.2298% | 4,837 |
| Net interest margin | 3.4466% | 3,718 |
| Noninterest income to average assets | 0.2989% | 4,164 |
| Noninterest expense to average assets | 2.5599% | 3,459 |
| Loan and lease loss provision to assets | 0.0904% | 1,996 |
| Net operating income to assets | 0.6922% | 4,131 |
| Return on assets (ROA) | 0.4561% | 4,800 |
| Pretax return on assets | 0.5938% | 4,699 |
| Return on Equity (ROE) | 3.4628% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.4628% | 3,817 |
| Net charge-offs to loans | 0.0218% | 2,066 |
| Credit loss provision to net charge-offs | 766.6667% | 428 |
| Earnings coverage of net charge-offs (x) | 83.3333% | 689 |
| Efficiency ratio | 72.2531% | 2,152 |
| Assets per employee ($millions) | 5.6137% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 749 |
| Loan loss allowance to noncurrent loans | 55.3710% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.9565% | 588 |
| Noncurrent loans to loans | 3.2901% | 332 |
| Net loans and leases to total assets | 53.3341% | 4,342 |
| Net loans and leases to deposits | 61.5409% | 4,369 |
| Net loans and leases to core deposits | 63.8259% | 4,432 |
| Total domestic deposits to total assets | 86.6645% | 2,250 |
| Equity capital to assets | 13.1890% | 1,161 |
| Core capital (leverage) ratio | 14.3229% | 801 |
| Tier 1 risk-based capital ratio | 23.7301% | 862 |
| Total risk-based capital ratio | 24.9849% | 842 |
| Memoranda: | ||
| Average total assets | $101,721,000 | 4,198 |
| Average earning assets | $95,747,500 | 4,161 |
| Average equity | $13,399,500 | 3,915 |
| Average total loans | $54,966,500 | 4,330 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,188 |
| Cost of funding earning assets | 0.2379% | 4,666 |
| Net interest margin | 3.5212% | 3,460 |
| Noninterest income to average assets | 0.3178% | 4,189 |
| Noninterest expense to average assets | 2.4822% | 3,844 |
| Loan and lease loss provision to assets | 0.2340% | 823 |
| Net operating income to assets | 0.7564% | 3,361 |
| Return on assets (ROA) | 0.7848% | 3,265 |
| Pretax return on assets | 0.9700% | 3,673 |
| Return on Equity (ROE) | 5.8842% | 3,809 |
| Retained earnings to average equity (ytd only) | 1.1330% | 4,575 |
| Net charge-offs to loans | 0.0216% | 3,379 |
| Credit loss provision to net charge-offs | 2,000.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 99.9167% | 645 |
| Efficiency ratio | 67.9840% | 2,897 |
| Assets per employee ($millions) | 5.6887% | 1,758 |
| Cash dividends to net income (ytd only)* | 80.7453% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 806 |
| Loan loss allowance to noncurrent loans | 60.6811% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.5772% | 845 |
| Noncurrent loans to loans | 2.9342% | 388 |
| Net loans and leases to total assets | 52.7960% | 4,460 |
| Net loans and leases to deposits | 60.8309% | 4,511 |
| Net loans and leases to core deposits | 62.7478% | 4,615 |
| Total domestic deposits to total assets | 86.7915% | 2,092 |
| Equity capital to assets | 13.1568% | 1,188 |
| Core capital (leverage) ratio | 13.6884% | 913 |
| Tier 1 risk-based capital ratio | 23.6039% | 851 |
| Total risk-based capital ratio | 24.8591% | 837 |
| Memoranda: | ||
| Average total assets | $102,572,200 | 4,197 |
| Average earning assets | $97,096,400 | 4,146 |
| Average equity | $13,680,600 | 3,888 |
| Average total loans | $55,460,800 | 4,314 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 3,974 |
| Cost of funding earning assets | 0.2210% | 4,803 |
| Net interest margin | 3.5888% | 3,197 |
| Noninterest income to average assets | 0.3325% | 4,158 |
| Noninterest expense to average assets | 2.4730% | 3,815 |
| Loan and lease loss provision to assets | 0.0870% | 2,344 |
| Net operating income to assets | 0.8111% | 3,478 |
| Return on assets (ROA) | 0.8442% | 3,347 |
| Pretax return on assets | 1.2170% | 2,834 |
| Return on Equity (ROE) | 6.2936% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.2936% | 2,063 |
| Net charge-offs to loans | 0.0336% | 2,758 |
| Credit loss provision to net charge-offs | 478.5714% | 668 |
| Earnings coverage of net charge-offs (x) | 69.0573% | 903 |
| Efficiency ratio | 66.3184% | 3,158 |
| Assets per employee ($millions) | 5.5732% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,666 |
| Loan loss allowance to noncurrent loans | 224.8603% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,603 |
| Noncurrent loans to loans | 0.6509% | 2,760 |
| Net loans and leases to total assets | 54.0252% | 4,413 |
| Net loans and leases to deposits | 63.3120% | 4,429 |
| Net loans and leases to core deposits | 65.1688% | 4,536 |
| Total domestic deposits to total assets | 85.3316% | 2,583 |
| Equity capital to assets | 14.2198% | 934 |
| Core capital (leverage) ratio | 14.2917% | 817 |
| Tier 1 risk-based capital ratio | 25.0611% | 744 |
| Total risk-based capital ratio | 26.3124% | 726 |
| Memoranda: | ||
| Average total assets | $102,653,750 | 4,236 |
| Average earning assets | $97,152,500 | 4,189 |
| Average equity | $13,770,250 | 3,914 |
| Average total loans | $55,565,750 | 4,343 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 3,868 |
| Cost of funding earning assets | 0.2394% | 4,645 |
| Net interest margin | 3.5665% | 3,157 |
| Noninterest income to average assets | 0.3519% | 4,039 |
| Noninterest expense to average assets | 2.4267% | 3,974 |
| Loan and lease loss provision to assets | 0.0870% | 2,241 |
| Net operating income to assets | 0.8318% | 3,241 |
| Return on assets (ROA) | 0.8585% | 3,171 |
| Pretax return on assets | 1.2472% | 2,596 |
| Return on Equity (ROE) | 6.5269% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.5269% | 1,830 |
| Net charge-offs to loans | 0.0143% | 2,958 |
| Credit loss provision to net charge-offs | 1,125.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 167.5000% | 462 |
| Efficiency ratio | 65.1948% | 3,473 |
| Assets per employee ($millions) | 5.6935% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 2,063 |
| Loan loss allowance to noncurrent loans | 370.5607% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 4,336 |
| Noncurrent loans to loans | 0.3713% | 3,695 |
| Net loans and leases to total assets | 55.4687% | 4,272 |
| Net loans and leases to deposits | 64.6624% | 4,327 |
| Net loans and leases to core deposits | 68.0937% | 4,343 |
| Total domestic deposits to total assets | 85.7820% | 2,482 |
| Equity capital to assets | 13.7701% | 1,055 |
| Core capital (leverage) ratio | 13.9041% | 889 |
| Tier 1 risk-based capital ratio | 23.7010% | 882 |
| Total risk-based capital ratio | 24.9509% | 868 |
| Memoranda: | ||
| Average total assets | $103,432,330 | 4,249 |
| Average earning assets | $97,743,670 | 4,205 |
| Average equity | $13,605,330 | 3,947 |
| Average total loans | $55,753,670 | 4,361 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 3,836 |
| Cost of funding earning assets | 0.2410% | 4,625 |
| Net interest margin | 3.5378% | 3,132 |
| Noninterest income to average assets | 0.3426% | 4,102 |
| Noninterest expense to average assets | 2.4252% | 4,043 |
| Loan and lease loss provision to assets | 0.0885% | 2,063 |
| Net operating income to assets | 0.8173% | 3,140 |
| Return on assets (ROA) | 0.8200% | 3,182 |
| Pretax return on assets | 1.1664% | 2,719 |
| Return on Equity (ROE) | 6.3811% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.3811% | 2,147 |
| Net charge-offs to loans | 0.0365% | 2,057 |
| Credit loss provision to net charge-offs | 460.0000% | 600 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 758 |
| Efficiency ratio | 65.9686% | 3,501 |
| Assets per employee ($millions) | 6.1622% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 2,110 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 4,391 |
| Noncurrent loans to loans | 0.3971% | 3,673 |
| Net loans and leases to total assets | 52.1459% | 4,502 |
| Net loans and leases to deposits | 60.0746% | 4,561 |
| Net loans and leases to core deposits | 63.1475% | 4,589 |
| Total domestic deposits to total assets | 86.8020% | 2,310 |
| Equity capital to assets | 12.9355% | 1,283 |
| Core capital (leverage) ratio | 13.3360% | 1,022 |
| Tier 1 risk-based capital ratio | 23.8669% | 886 |
| Total risk-based capital ratio | 25.1158% | 865 |
| Memoranda: | ||
| Average total assets | $103,907,000 | 4,286 |
| Average earning assets | $97,913,000 | 4,235 |
| Average equity | $13,352,000 | 4,009 |
| Average total loans | $54,811,000 | 4,430 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 4,120 |
| Cost of funding earning assets | 0.2428% | 4,630 |
| Net interest margin | 3.4888% | 3,480 |
| Noninterest income to average assets | 0.3090% | 4,527 |
| Noninterest expense to average assets | 2.4568% | 4,138 |
| Loan and lease loss provision to assets | 0.1560% | 1,596 |
| Net operating income to assets | 0.7073% | 3,749 |
| Return on assets (ROA) | 0.9637% | 2,623 |
| Pretax return on assets | 1.3497% | 2,108 |
| Return on Equity (ROE) | 7.4070% | 3,264 |
| Retained earnings to average equity (ytd only) | 2.9672% | 3,788 |
| Net charge-offs to loans | 0.1237% | 2,022 |
| Credit loss provision to net charge-offs | 245.4545% | 1,180 |
| Earnings coverage of net charge-offs (x) | 18.0152% | 2,001 |
| Efficiency ratio | 68.2171% | 3,202 |
| Assets per employee ($millions) | 5.7253% | 1,673 |
| Cash dividends to net income (ytd only)* | 59.9401% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 2,139 |
| Loan loss allowance to noncurrent loans | 281.6479% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 4,256 |
| Noncurrent loans to loans | 0.4924% | 3,392 |
| Net loans and leases to total assets | 51.8873% | 4,618 |
| Net loans and leases to deposits | 59.5435% | 4,705 |
| Net loans and leases to core deposits | 62.6280% | 4,716 |
| Total domestic deposits to total assets | 87.1419% | 2,065 |
| Equity capital to assets | 12.7630% | 1,368 |
| Core capital (leverage) ratio | 13.2973% | 1,032 |
| Tier 1 risk-based capital ratio | 23.7405% | 893 |
| Total risk-based capital ratio | 24.9915% | 880 |
| Memoranda: | ||
| Average total assets | $103,873,800 | 4,289 |
| Average earning assets | $98,027,600 | 4,238 |
| Average equity | $13,514,200 | 4,022 |
| Average total loans | $53,375,000 | 4,477 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7462% | 4,093 |
| Cost of funding earning assets | 0.2440% | 4,660 |
| Net interest margin | 3.5021% | 3,462 |
| Noninterest income to average assets | 0.2946% | 4,659 |
| Noninterest expense to average assets | 2.5032% | 3,975 |
| Loan and lease loss provision to assets | 0.1793% | 1,241 |
| Net operating income to assets | 0.6680% | 4,007 |
| Return on assets (ROA) | 1.0056% | 2,543 |
| Pretax return on assets | 1.3835% | 2,110 |
| Return on Equity (ROE) | 7.6933% | 3,195 |
| Retained earnings to average equity (ytd only) | 1.8131% | 4,778 |
| Net charge-offs to loans | 0.1404% | 1,589 |
| Credit loss provision to net charge-offs | 250.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 15.3402% | 2,183 |
| Efficiency ratio | 69.4632% | 2,974 |
| Assets per employee ($millions) | 5.7369% | 1,627 |
| Cash dividends to net income (ytd only)* | 76.4332% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 2,350 |
| Loan loss allowance to noncurrent loans | 307.0539% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 4,490 |
| Noncurrent loans to loans | 0.4454% | 3,686 |
| Net loans and leases to total assets | 51.6826% | 4,678 |
| Net loans and leases to deposits | 60.1929% | 4,744 |
| Net loans and leases to core deposits | 63.9039% | 4,731 |
| Total domestic deposits to total assets | 85.8616% | 2,429 |
| Equity capital to assets | 13.3627% | 1,316 |
| Core capital (leverage) ratio | 13.2338% | 1,097 |
| Tier 1 risk-based capital ratio | 23.6324% | 932 |
| Total risk-based capital ratio | 24.8835% | 918 |
| Memoranda: | ||
| Average total assets | $104,078,250 | 4,317 |
| Average earning assets | $98,337,500 | 4,265 |
| Average equity | $13,604,500 | 4,043 |
| Average total loans | $53,162,500 | 4,521 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 4,175 |
| Cost of funding earning assets | 0.2417% | 4,737 |
| Net interest margin | 3.4921% | 3,512 |
| Noninterest income to average assets | 0.2913% | 4,702 |
| Noninterest expense to average assets | 2.4686% | 4,124 |
| Loan and lease loss provision to assets | 0.2319% | 870 |
| Net operating income to assets | 0.6284% | 4,152 |
| Return on assets (ROA) | 0.8625% | 3,156 |
| Pretax return on assets | 1.2151% | 2,726 |
| Return on Equity (ROE) | 6.6471% | 3,724 |
| Retained earnings to average equity (ytd only) | -2.2157% | 5,562 |
| Net charge-offs to loans | 0.2044% | 1,134 |
| Credit loss provision to net charge-offs | 224.0741% | 1,204 |
| Earnings coverage of net charge-offs (x) | 10.7963% | 2,303 |
| Efficiency ratio | 68.8402% | 3,181 |
| Assets per employee ($millions) | 5.5793% | 1,719 |
| Cash dividends to net income (ytd only)* | 133.3333% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 2,532 |
| Loan loss allowance to noncurrent loans | 278.0769% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 4,458 |
| Noncurrent loans to loans | 0.4855% | 3,636 |
| Net loans and leases to total assets | 52.6054% | 4,624 |
| Net loans and leases to deposits | 61.4781% | 4,696 |
| Net loans and leases to core deposits | 65.6640% | 4,636 |
| Total domestic deposits to total assets | 85.5676% | 2,621 |
| Equity capital to assets | 13.6039% | 1,181 |
| Core capital (leverage) ratio | 13.0251% | 1,138 |
| Tier 1 risk-based capital ratio | 23.4505% | 967 |
| Total risk-based capital ratio | 24.7003% | 944 |
| Memoranda: | ||
| Average total assets | $104,349,330 | 4,347 |
| Average earning assets | $98,450,000 | 4,299 |
| Average equity | $13,539,670 | 4,071 |
| Average total loans | $52,846,670 | 4,558 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 4,356 |
| Cost of funding earning assets | 0.2399% | 4,807 |
| Net interest margin | 3.4506% | 3,664 |
| Noninterest income to average assets | 0.2822% | 4,696 |
| Noninterest expense to average assets | 2.4908% | 4,099 |
| Loan and lease loss provision to assets | 0.0376% | 3,155 |
| Net operating income to assets | 0.8029% | 3,232 |
| Return on assets (ROA) | 0.9595% | 2,578 |
| Pretax return on assets | 1.1965% | 2,714 |
| Return on Equity (ROE) | 7.5676% | 3,152 |
| Retained earnings to average equity (ytd only) | -10.2385% | 5,809 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5757% | 3,032 |
| Assets per employee ($millions) | 5.8202% | 1,560 |
| Cash dividends to net income (ytd only)* | 235.2941% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 3,124 |
| Loan loss allowance to noncurrent loans | 146.0526% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 3,841 |
| Noncurrent loans to loans | 0.8615% | 2,690 |
| Net loans and leases to total assets | 49.8874% | 4,812 |
| Net loans and leases to deposits | 57.6808% | 4,872 |
| Net loans and leases to core deposits | 61.3881% | 4,851 |
| Total domestic deposits to total assets | 86.4887% | 2,452 |
| Equity capital to assets | 12.7964% | 1,512 |
| Core capital (leverage) ratio | 12.4449% | 1,358 |
| Tier 1 risk-based capital ratio | 23.0274% | 1,007 |
| Total risk-based capital ratio | 24.1923% | 999 |
| Memoranda: | ||
| Average total assets | $106,310,500 | 4,336 |
| Average earning assets | $100,041,000 | 4,294 |
| Average equity | $13,478,500 | 4,083 |
| Average total loans | $52,493,500 | 4,602 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5364% | 4,829 |
| Cost of funding earning assets | 0.2424% | 4,859 |
| Net interest margin | 3.2940% | 4,313 |
| Noninterest income to average assets | 0.2831% | 4,863 |
| Noninterest expense to average assets | 2.3695% | 4,589 |
| Loan and lease loss provision to assets | 0.0389% | 3,560 |
| Net operating income to assets | 0.7756% | 3,442 |
| Return on assets (ROA) | 0.9539% | 2,673 |
| Pretax return on assets | 1.2213% | 2,586 |
| Return on Equity (ROE) | 7.7129% | 3,125 |
| Retained earnings to average equity (ytd only) | 3.2243% | 3,759 |
| Net charge-offs to loans | -0.0020% | 4,879 |
| Credit loss provision to net charge-offs | -4,200.0000% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6681% | 3,274 |
| Assets per employee ($millions) | 5.9921% | 1,396 |
| Cash dividends to net income (ytd only)* | 58.1959% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 3,109 |
| Loan loss allowance to noncurrent loans | 205.0000% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 4,412 |
| Noncurrent loans to loans | 0.6147% | 3,340 |
| Net loans and leases to total assets | 47.6566% | 5,047 |
| Net loans and leases to deposits | 54.8998% | 5,115 |
| Net loans and leases to core deposits | 58.3069% | 5,089 |
| Total domestic deposits to total assets | 86.8066% | 2,235 |
| Equity capital to assets | 12.5639% | 1,589 |
| Core capital (leverage) ratio | 12.3779% | 1,410 |
| Tier 1 risk-based capital ratio | 23.5337% | 950 |
| Total risk-based capital ratio | 24.6764% | 952 |
| Memoranda: | ||
| Average total assets | $108,083,400 | 4,294 |
| Average earning assets | $102,308,600 | 4,235 |
| Average equity | $13,367,200 | 4,065 |
| Average total loans | $49,961,600 | 4,672 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4833% | 5,020 |
| Cost of funding earning assets | 0.2434% | 4,956 |
| Net interest margin | 3.2399% | 4,555 |
| Noninterest income to average assets | 0.2786% | 4,952 |
| Noninterest expense to average assets | 2.3414% | 4,672 |
| Loan and lease loss provision to assets | 0.0382% | 3,443 |
| Net operating income to assets | 0.7593% | 3,637 |
| Return on assets (ROA) | 0.9568% | 2,774 |
| Pretax return on assets | 1.2416% | 2,640 |
| Return on Equity (ROE) | 7.7668% | 3,204 |
| Retained earnings to average equity (ytd only) | 1.7615% | 4,996 |
| Net charge-offs to loans | -0.0027% | 4,741 |
| Credit loss provision to net charge-offs | -3,100.0000% | 5,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5859% | 3,272 |
| Assets per employee ($millions) | 6.2595% | 1,197 |
| Cash dividends to net income (ytd only)* | 77.3196% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 3,308 |
| Loan loss allowance to noncurrent loans | 119.6660% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 3,895 |
| Noncurrent loans to loans | 1.0528% | 2,378 |
| Net loans and leases to total assets | 44.8660% | 5,297 |
| Net loans and leases to deposits | 51.4205% | 5,396 |
| Net loans and leases to core deposits | 54.4637% | 5,380 |
| Total domestic deposits to total assets | 87.2532% | 1,918 |
| Equity capital to assets | 11.8726% | 2,195 |
| Core capital (leverage) ratio | 11.8521% | 1,778 |
| Tier 1 risk-based capital ratio | 22.9642% | 1,057 |
| Total risk-based capital ratio | 24.0817% | 1,061 |
| Memoranda: | ||
| Average total assets | $108,140,000 | 4,341 |
| Average earning assets | $103,003,250 | 4,260 |
| Average equity | $13,321,250 | 4,117 |
| Average total loans | $49,437,750 | 4,737 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 5,028 |
| Cost of funding earning assets | 0.2461% | 4,982 |
| Net interest margin | 3.2381% | 4,538 |
| Noninterest income to average assets | 0.2795% | 4,950 |
| Noninterest expense to average assets | 2.3689% | 4,660 |
| Loan and lease loss provision to assets | 0.0394% | 3,333 |
| Net operating income to assets | 0.7503% | 3,643 |
| Return on assets (ROA) | 1.0166% | 2,416 |
| Pretax return on assets | 1.2980% | 2,371 |
| Return on Equity (ROE) | 8.1487% | 2,964 |
| Retained earnings to average equity (ytd only) | -0.8720% | 5,673 |
| Net charge-offs to loans | -0.0041% | 4,697 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4013% | 3,274 |
| Assets per employee ($millions) | 6.2594% | 1,181 |
| Cash dividends to net income (ytd only)* | 110.7011% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 3,161 |
| Loan loss allowance to noncurrent loans | 173.0245% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 4,576 |
| Noncurrent loans to loans | 0.7599% | 3,214 |
| Net loans and leases to total assets | 42.3041% | 5,482 |
| Net loans and leases to deposits | 48.1333% | 5,590 |
| Net loans and leases to core deposits | 50.9999% | 5,575 |
| Total domestic deposits to total assets | 87.8894% | 1,704 |
| Equity capital to assets | 11.4991% | 2,415 |
| Core capital (leverage) ratio | 12.0300% | 1,645 |
| Tier 1 risk-based capital ratio | 23.4073% | 1,025 |
| Total risk-based capital ratio | 24.5488% | 1,019 |
| Memoranda: | ||
| Average total assets | $106,629,670 | 4,410 |
| Average earning assets | $101,603,670 | 4,325 |
| Average equity | $13,302,670 | 4,146 |
| Average total loans | $48,851,670 | 4,789 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5798% | 4,752 |
| Cost of funding earning assets | 0.2557% | 4,958 |
| Net interest margin | 3.3241% | 4,113 |
| Noninterest income to average assets | 0.2857% | 4,885 |
| Noninterest expense to average assets | 2.4785% | 4,329 |
| Loan and lease loss provision to assets | 0.0386% | 3,134 |
| Net operating income to assets | 0.7656% | 3,449 |
| Return on assets (ROA) | 1.1929% | 1,668 |
| Pretax return on assets | 1.4516% | 1,721 |
| Return on Equity (ROE) | 9.1719% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.1719% | 1,140 |
| Net charge-offs to loans | -0.0081% | 4,637 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8925% | 3,190 |
| Assets per employee ($millions) | 5.5396% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,364 |
| Loan loss allowance to noncurrent loans | 190.8257% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 4,689 |
| Noncurrent loans to loans | 0.6849% | 3,566 |
| Net loans and leases to total assets | 44.7668% | 5,285 |
| Net loans and leases to deposits | 51.8652% | 5,341 |
| Net loans and leases to core deposits | 55.2471% | 5,297 |
| Total domestic deposits to total assets | 86.3138% | 2,761 |
| Equity capital to assets | 12.9955% | 1,409 |
| Core capital (leverage) ratio | 13.1070% | 1,120 |
| Tier 1 risk-based capital ratio | 25.1045% | 881 |
| Total risk-based capital ratio | 26.2747% | 864 |
| Memoranda: | ||
| Average total assets | $103,609,500 | 4,509 |
| Average earning assets | $98,552,000 | 4,443 |
| Average equity | $13,476,000 | 4,151 |
| Average total loans | $49,128,000 | 4,812 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7625% | 4,613 |
| Cost of funding earning assets | 0.2721% | 5,072 |
| Net interest margin | 3.4904% | 3,833 |
| Noninterest income to average assets | 0.2158% | 5,564 |
| Noninterest expense to average assets | 2.5276% | 4,460 |
| Loan and lease loss provision to assets | 0.0424% | 3,722 |
| Net operating income to assets | 0.7963% | 3,393 |
| Return on assets (ROA) | 0.8775% | 3,071 |
| Pretax return on assets | 1.0560% | 3,275 |
| Return on Equity (ROE) | 6.8974% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.8974% | 1,448 |
| Net charge-offs to loans | 0.0411% | 3,999 |
| Credit loss provision to net charge-offs | 221.0526% | 1,132 |
| Earnings coverage of net charge-offs (x) | 52.2105% | 900 |
| Efficiency ratio | 71.6409% | 3,268 |
| Assets per employee ($millions) | 5.6648% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 3,913 |
| Loan loss allowance to noncurrent loans | 169.8061% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 4,589 |
| Noncurrent loans to loans | 0.7147% | 3,536 |
| Net loans and leases to total assets | 48.9384% | 5,074 |
| Net loans and leases to deposits | 56.5848% | 5,146 |
| Net loans and leases to core deposits | 60.7808% | 5,078 |
| Total domestic deposits to total assets | 86.4868% | 2,574 |
| Equity capital to assets | 13.0179% | 1,365 |
| Core capital (leverage) ratio | 12.9883% | 1,146 |
| Tier 1 risk-based capital ratio | 23.7316% | 982 |
| Total risk-based capital ratio | 24.8439% | 979 |
| Memoranda: | ||
| Average total assets | $99,145,600 | 4,621 |
| Average earning assets | $94,087,000 | 4,549 |
| Average equity | $12,613,400 | 4,259 |
| Average total loans | $46,178,000 | 4,948 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 4,695 |
| Cost of funding earning assets | 0.2754% | 5,147 |
| Net interest margin | 3.4799% | 3,901 |
| Noninterest income to average assets | 0.1964% | 5,749 |
| Noninterest expense to average assets | 2.5043% | 4,515 |
| Loan and lease loss provision to assets | 0.0420% | 3,555 |
| Net operating income to assets | 0.7776% | 3,523 |
| Return on assets (ROA) | 0.8763% | 3,134 |
| Pretax return on assets | 1.0754% | 3,278 |
| Return on Equity (ROE) | 6.9299% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.9299% | 1,850 |
| Net charge-offs to loans | 0.0414% | 3,672 |
| Credit loss provision to net charge-offs | 221.4286% | 1,171 |
| Earnings coverage of net charge-offs (x) | 52.4896% | 944 |
| Efficiency ratio | 71.5557% | 3,257 |
| Assets per employee ($millions) | 5.4902% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 3,776 |
| Loan loss allowance to noncurrent loans | 158.4856% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 4,564 |
| Noncurrent loans to loans | 0.8048% | 3,565 |
| Net loans and leases to total assets | 47.5391% | 5,242 |
| Net loans and leases to deposits | 55.1460% | 5,298 |
| Net loans and leases to core deposits | 58.8405% | 5,282 |
| Total domestic deposits to total assets | 86.2058% | 2,753 |
| Equity capital to assets | 13.0657% | 1,395 |
| Core capital (leverage) ratio | 13.0504% | 1,156 |
| Tier 1 risk-based capital ratio | 24.5685% | 925 |
| Total risk-based capital ratio | 25.7286% | 920 |
| Memoranda: | ||
| Average total assets | $98,440,250 | 4,683 |
| Average earning assets | $93,448,500 | 4,611 |
| Average equity | $12,448,250 | 4,305 |
| Average total loans | $45,094,000 | 5,045 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7216% | 4,794 |
| Cost of funding earning assets | 0.2723% | 5,267 |
| Net interest margin | 3.4493% | 3,980 |
| Noninterest income to average assets | 0.2360% | 5,510 |
| Noninterest expense to average assets | 2.5124% | 4,547 |
| Loan and lease loss provision to assets | 0.0427% | 3,462 |
| Net operating income to assets | 0.7661% | 3,480 |
| Return on assets (ROA) | 0.8849% | 2,975 |
| Pretax return on assets | 1.1026% | 3,091 |
| Return on Equity (ROE) | 7.0768% | 3,589 |
| Retained earnings to average equity (ytd only) | 7.0768% | 1,734 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5942% | 3,414 |
| Assets per employee ($millions) | 5.4811% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 3,678 |
| Loan loss allowance to noncurrent loans | 171.1485% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 4,242 |
| Noncurrent loans to loans | 0.7787% | 3,749 |
| Net loans and leases to total assets | 45.8474% | 5,372 |
| Net loans and leases to deposits | 52.9996% | 5,425 |
| Net loans and leases to core deposits | 56.2327% | 5,397 |
| Total domestic deposits to total assets | 86.5052% | 2,755 |
| Equity capital to assets | 12.8309% | 1,467 |
| Core capital (leverage) ratio | 12.6275% | 1,326 |
| Tier 1 risk-based capital ratio | 24.8053% | 890 |
| Total risk-based capital ratio | 26.0040% | 887 |
| Memoranda: | ||
| Average total assets | $98,312,330 | 4,720 |
| Average earning assets | $93,293,330 | 4,651 |
| Average equity | $12,293,670 | 4,342 |
| Average total loans | $44,263,000 | 5,117 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 4,989 |
| Cost of funding earning assets | 0.2704% | 5,380 |
| Net interest margin | 3.3859% | 4,188 |
| Noninterest income to average assets | 0.2038% | 5,724 |
| Noninterest expense to average assets | 2.5800% | 4,340 |
| Loan and lease loss provision to assets | 0.0408% | 3,270 |
| Net operating income to assets | 0.6344% | 4,029 |
| Return on assets (ROA) | 0.8437% | 3,010 |
| Pretax return on assets | 1.0638% | 3,068 |
| Return on Equity (ROE) | 6.8368% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.8368% | 2,125 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4470% | 2,881 |
| Assets per employee ($millions) | 5.5763% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 3,879 |
| Loan loss allowance to noncurrent loans | 162.6016% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 4,399 |
| Noncurrent loans to loans | 0.8269% | 3,818 |
| Net loans and leases to total assets | 43.8580% | 5,527 |
| Net loans and leases to deposits | 50.3851% | 5,567 |
| Net loans and leases to core deposits | 52.4665% | 5,591 |
| Total domestic deposits to total assets | 87.0455% | 2,780 |
| Equity capital to assets | 12.3199% | 1,674 |
| Core capital (leverage) ratio | 12.7080% | 1,292 |
| Tier 1 risk-based capital ratio | 24.5730% | 930 |
| Total risk-based capital ratio | 25.7605% | 921 |
| Memoranda: | ||
| Average total assets | $98,138,500 | 4,768 |
| Average earning assets | $93,210,000 | 4,701 |
| Average equity | $12,111,000 | 4,399 |
| Average total loans | $43,472,500 | 5,189 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 4,808 |
| Cost of funding earning assets | 0.3784% | 4,855 |
| Net interest margin | 3.4242% | 4,184 |
| Noninterest income to average assets | 0.3135% | 5,099 |
| Noninterest expense to average assets | 2.5709% | 4,551 |
| Loan and lease loss provision to assets | 0.0221% | 4,686 |
| Net operating income to assets | 0.7252% | 3,675 |
| Return on assets (ROA) | 0.8131% | 3,325 |
| Pretax return on assets | 1.0635% | 3,098 |
| Return on Equity (ROE) | 6.4019% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.4019% | 1,739 |
| Net charge-offs to loans | 0.0049% | 5,376 |
| Credit loss provision to net charge-offs | 1,050.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 461.0000% | 84 |
| Efficiency ratio | 72.6084% | 3,366 |
| Assets per employee ($millions) | 5.3279% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 3,683 |
| Loan loss allowance to noncurrent loans | 140.1425% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 4,127 |
| Noncurrent loans to loans | 0.9947% | 3,527 |
| Net loans and leases to total assets | 43.5158% | 5,719 |
| Net loans and leases to deposits | 49.8400% | 5,782 |
| Net loans and leases to core deposits | 52.1630% | 5,789 |
| Total domestic deposits to total assets | 87.3111% | 2,573 |
| Equity capital to assets | 12.3625% | 1,585 |
| Core capital (leverage) ratio | 12.7228% | 1,248 |
| Tier 1 risk-based capital ratio | 25.3089% | 829 |
| Total risk-based capital ratio | 26.5321% | 816 |
| Memoranda: | ||
| Average total assets | $95,065,000 | 4,864 |
| Average earning assets | $89,596,800 | 4,788 |
| Average equity | $12,074,600 | 4,425 |
| Average total loans | $40,882,000 | 5,306 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 4,830 |
| Cost of funding earning assets | 0.4095% | 4,738 |
| Net interest margin | 3.3971% | 4,300 |
| Noninterest income to average assets | 0.3135% | 5,200 |
| Noninterest expense to average assets | 2.5315% | 4,617 |
| Loan and lease loss provision to assets | 0.0141% | 4,723 |
| Net operating income to assets | 0.7523% | 3,590 |
| Return on assets (ROA) | 0.8729% | 3,088 |
| Pretax return on assets | 1.1175% | 3,031 |
| Return on Equity (ROE) | 6.8263% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.8263% | 1,960 |
| Net charge-offs to loans | 0.0099% | 4,948 |
| Credit loss provision to net charge-offs | 333.3333% | 770 |
| Earnings coverage of net charge-offs (x) | 231.6600% | 252 |
| Efficiency ratio | 72.1554% | 3,377 |
| Assets per employee ($millions) | 4.9473% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 3,934 |
| Loan loss allowance to noncurrent loans | 176.7584% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 4,368 |
| Noncurrent loans to loans | 0.7868% | 4,273 |
| Net loans and leases to total assets | 43.5973% | 5,764 |
| Net loans and leases to deposits | 50.0733% | 5,834 |
| Net loans and leases to core deposits | 52.2650% | 5,876 |
| Total domestic deposits to total assets | 87.0669% | 2,656 |
| Equity capital to assets | 12.3703% | 1,654 |
| Core capital (leverage) ratio | 12.7621% | 1,301 |
| Tier 1 risk-based capital ratio | 25.4830% | 837 |
| Total risk-based capital ratio | 26.7047% | 821 |
| Memoranda: | ||
| Average total assets | $94,855,500 | 4,911 |
| Average earning assets | $89,210,000 | 4,842 |
| Average equity | $12,129,250 | 4,473 |
| Average total loans | $40,521,750 | 5,376 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,942 |
| Cost of funding earning assets | 0.4535% | 4,393 |
| Net interest margin | 3.3130% | 4,524 |
| Noninterest income to average assets | 0.3090% | 5,232 |
| Noninterest expense to average assets | 2.5058% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7315% | 3,662 |
| Return on assets (ROA) | 0.8997% | 2,941 |
| Pretax return on assets | 1.1310% | 2,968 |
| Return on Equity (ROE) | 6.9614% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.9614% | 1,905 |
| Net charge-offs to loans | 0.0149% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 341 |
| Efficiency ratio | 73.1288% | 3,285 |
| Assets per employee ($millions) | 4.9777% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 4,045 |
| Loan loss allowance to noncurrent loans | 397.2028% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 5,016 |
| Noncurrent loans to loans | 0.3519% | 5,404 |
| Net loans and leases to total assets | 42.3638% | 5,874 |
| Net loans and leases to deposits | 48.8312% | 5,931 |
| Net loans and leases to core deposits | 51.3700% | 5,932 |
| Total domestic deposits to total assets | 86.7556% | 2,974 |
| Equity capital to assets | 12.5719% | 1,533 |
| Core capital (leverage) ratio | 12.2342% | 1,489 |
| Tier 1 risk-based capital ratio | 25.3175% | 838 |
| Total risk-based capital ratio | 26.5297% | 826 |
| Memoranda: | ||
| Average total assets | $95,141,000 | 4,933 |
| Average earning assets | $89,526,330 | 4,859 |
| Average equity | $12,296,330 | 4,466 |
| Average total loans | $40,176,000 | 5,419 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 5,051 |
| Cost of funding earning assets | 0.4597% | 4,489 |
| Net interest margin | 3.2716% | 4,623 |
| Noninterest income to average assets | 0.3395% | 4,980 |
| Noninterest expense to average assets | 2.4648% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7811% | 3,272 |
| Return on assets (ROA) | 0.9515% | 2,578 |
| Pretax return on assets | 1.1528% | 2,753 |
| Return on Equity (ROE) | 7.2643% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.2643% | 2,042 |
| Net charge-offs to loans | -0.0100% | 5,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2359% | 3,572 |
| Assets per employee ($millions) | 5.1137% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 4,087 |
| Loan loss allowance to noncurrent loans | 316.0221% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 5,146 |
| Noncurrent loans to loans | 0.4526% | 5,290 |
| Net loans and leases to total assets | 40.5753% | 5,950 |
| Net loans and leases to deposits | 47.2166% | 5,978 |
| Net loans and leases to core deposits | 49.2535% | 6,017 |
| Total domestic deposits to total assets | 85.9345% | 3,563 |
| Equity capital to assets | 12.9745% | 1,438 |
| Core capital (leverage) ratio | 12.2054% | 1,458 |
| Tier 1 risk-based capital ratio | 24.7123% | 928 |
| Total risk-based capital ratio | 25.9244% | 919 |
| Memoranda: | ||
| Average total assets | $95,423,500 | 4,960 |
| Average earning assets | $89,621,000 | 4,894 |
| Average equity | $12,499,500 | 4,474 |
| Average total loans | $39,947,000 | 5,464 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 5,476 |
| Cost of funding earning assets | 0.5869% | 4,472 |
| Net interest margin | 3.3492% | 5,077 |
| Noninterest income to average assets | 0.2979% | 5,331 |
| Noninterest expense to average assets | 2.5790% | 4,816 |
| Loan and lease loss provision to assets | 0.0487% | 5,207 |
| Net operating income to assets | 0.6907% | 3,779 |
| Return on assets (ROA) | 0.7441% | 3,780 |
| Pretax return on assets | 0.8730% | 4,019 |
| Return on Equity (ROE) | 5.7166% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.7166% | 2,241 |
| Net charge-offs to loans | -0.0051% | 6,388 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0158% | 2,904 |
| Assets per employee ($millions) | 4.9309% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 4,008 |
| Loan loss allowance to noncurrent loans | 920.9677% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.8133% | 4,437 |
| Noncurrent loans to loans | 0.1554% | 6,090 |
| Net loans and leases to total assets | 41.9781% | 6,013 |
| Net loans and leases to deposits | 48.9959% | 6,032 |
| Net loans and leases to core deposits | 51.1983% | 6,076 |
| Total domestic deposits to total assets | 85.6768% | 3,522 |
| Equity capital to assets | 13.2281% | 1,342 |
| Core capital (leverage) ratio | 12.1008% | 1,513 |
| Tier 1 risk-based capital ratio | 24.7206% | 881 |
| Total risk-based capital ratio | 25.9550% | 871 |
| Memoranda: | ||
| Average total assets | $92,324,200 | 5,014 |
| Average earning assets | $86,559,200 | 4,949 |
| Average equity | $12,017,600 | 4,565 |
| Average total loans | $38,870,400 | 5,557 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 5,661 |
| Cost of funding earning assets | 0.6132% | 4,511 |
| Net interest margin | 3.3363% | 5,263 |
| Noninterest income to average assets | 0.2928% | 5,427 |
| Noninterest expense to average assets | 2.5758% | 4,824 |
| Loan and lease loss provision to assets | 0.0652% | 4,886 |
| Net operating income to assets | 0.6570% | 4,104 |
| Return on assets (ROA) | 0.7277% | 4,032 |
| Pretax return on assets | 0.8668% | 4,234 |
| Return on Equity (ROE) | 5.6133% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.6133% | 2,948 |
| Net charge-offs to loans | -0.0069% | 6,306 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2329% | 2,790 |
| Assets per employee ($millions) | 4.6692% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 4,025 |
| Loan loss allowance to noncurrent loans | 456.8000% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 4,662 |
| Noncurrent loans to loans | 0.3245% | 5,827 |
| Net loans and leases to total assets | 40.6387% | 6,229 |
| Net loans and leases to deposits | 47.5355% | 6,287 |
| Net loans and leases to core deposits | 50.4024% | 6,260 |
| Total domestic deposits to total assets | 85.4911% | 3,510 |
| Equity capital to assets | 13.1200% | 1,533 |
| Core capital (leverage) ratio | 12.1571% | 1,557 |
| Tier 1 risk-based capital ratio | 24.9158% | 915 |
| Total risk-based capital ratio | 26.1651% | 907 |
| Memoranda: | ||
| Average total assets | $91,983,500 | 5,078 |
| Average earning assets | $86,320,500 | 5,005 |
| Average equity | $11,923,750 | 4,626 |
| Average total loans | $38,613,250 | 5,631 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 5,725 |
| Cost of funding earning assets | 0.6456% | 4,481 |
| Net interest margin | 3.3261% | 5,369 |
| Noninterest income to average assets | 0.2885% | 5,500 |
| Noninterest expense to average assets | 2.5853% | 4,824 |
| Loan and lease loss provision to assets | 0.0656% | 4,822 |
| Net operating income to assets | 0.6179% | 4,295 |
| Return on assets (ROA) | 0.6753% | 4,261 |
| Pretax return on assets | 0.8261% | 4,378 |
| Return on Equity (ROE) | 5.2309% | 4,691 |
| Retained earnings to average equity (ytd only) | 5.2309% | 3,137 |
| Net charge-offs to loans | -0.0104% | 6,289 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8820% | 2,760 |
| Assets per employee ($millions) | 4.5591% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 4,328 |
| Loan loss allowance to noncurrent loans | 375.6757% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 4,654 |
| Noncurrent loans to loans | 0.3814% | 5,774 |
| Net loans and leases to total assets | 41.9440% | 6,190 |
| Net loans and leases to deposits | 49.1423% | 6,231 |
| Net loans and leases to core deposits | 51.3053% | 6,282 |
| Total domestic deposits to total assets | 85.3522% | 3,688 |
| Equity capital to assets | 13.2626% | 1,408 |
| Core capital (leverage) ratio | 12.1282% | 1,536 |
| Tier 1 risk-based capital ratio | 24.5913% | 949 |
| Total risk-based capital ratio | 25.8279% | 935 |
| Memoranda: | ||
| Average total assets | $91,516,670 | 5,117 |
| Average earning assets | $85,805,670 | 5,053 |
| Average equity | $11,814,330 | 4,649 |
| Average total loans | $38,644,000 | 5,662 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 5,741 |
| Cost of funding earning assets | 0.6529% | 4,706 |
| Net interest margin | 3.3531% | 5,300 |
| Noninterest income to average assets | 0.2923% | 5,527 |
| Noninterest expense to average assets | 2.6700% | 4,543 |
| Loan and lease loss provision to assets | 0.0654% | 4,600 |
| Net operating income to assets | 0.5860% | 4,413 |
| Return on assets (ROA) | 0.5933% | 4,592 |
| Pretax return on assets | 0.7024% | 4,781 |
| Return on Equity (ROE) | 4.6595% | 4,952 |
| Retained earnings to average equity (ytd only) | 4.6595% | 3,773 |
| Net charge-offs to loans | -0.0104% | 5,958 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8626% | 2,517 |
| Assets per employee ($millions) | 4.7253% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 4,614 |
| Loan loss allowance to noncurrent loans | 140.9922% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.9629% | 4,581 |
| Noncurrent loans to loans | 0.9934% | 4,689 |
| Net loans and leases to total assets | 40.2250% | 6,332 |
| Net loans and leases to deposits | 46.5209% | 6,388 |
| Net loans and leases to core deposits | 48.8455% | 6,408 |
| Total domestic deposits to total assets | 86.4665% | 3,267 |
| Equity capital to assets | 12.4204% | 1,777 |
| Core capital (leverage) ratio | 12.1123% | 1,524 |
| Tier 1 risk-based capital ratio | 23.8027% | 1,028 |
| Total risk-based capital ratio | 24.9836% | 1,021 |
| Memoranda: | ||
| Average total assets | $91,684,500 | 5,157 |
| Average earning assets | $85,772,000 | 5,091 |
| Average equity | $11,675,000 | 4,680 |
| Average total loans | $38,565,500 | 5,705 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 5,854 |
| Cost of funding earning assets | 0.7364% | 5,305 |
| Net interest margin | 3.5330% | 5,010 |
| Noninterest income to average assets | 0.3115% | 5,317 |
| Noninterest expense to average assets | 2.6649% | 4,869 |
| Loan and lease loss provision to assets | 0.0705% | 5,737 |
| Net operating income to assets | 0.6977% | 3,504 |
| Return on assets (ROA) | 0.7418% | 3,455 |
| Pretax return on assets | 0.9486% | 3,433 |
| Return on Equity (ROE) | 5.6903% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.2394% | 2,488 |
| Net charge-offs to loans | 0.2835% | 4,007 |
| Credit loss provision to net charge-offs | 56.6038% | 5,254 |
| Earnings coverage of net charge-offs (x) | 7.7264% | 2,281 |
| Efficiency ratio | 73.4608% | 3,311 |
| Assets per employee ($millions) | 4.4432% | 3,000 |
| Cash dividends to net income (ytd only)* | 7.9239% | 3,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 4,637 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8879% | 4,841 |
| Noncurrent loans to loans | 0.6792% | 5,342 |
| Net loans and leases to total assets | 42.8210% | 6,315 |
| Net loans and leases to deposits | 49.8546% | 6,372 |
| Net loans and leases to core deposits | 53.1289% | 6,360 |
| Total domestic deposits to total assets | 85.8918% | 3,373 |
| Equity capital to assets | 13.0673% | 1,454 |
| Core capital (leverage) ratio | 12.2931% | 1,446 |
| Tier 1 risk-based capital ratio | 23.8822% | 975 |
| Total risk-based capital ratio | 25.0467% | 969 |
| Memoranda: | ||
| Average total assets | $85,068,800 | 5,308 |
| Average earning assets | $79,846,600 | 5,235 |
| Average equity | $11,089,000 | 4,757 |
| Average total loans | $37,392,200 | 5,816 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 5,856 |
| Cost of funding earning assets | 0.7539% | 5,446 |
| Net interest margin | 3.5737% | 4,874 |
| Noninterest income to average assets | 0.3138% | 5,356 |
| Noninterest expense to average assets | 2.6501% | 4,905 |
| Loan and lease loss provision to assets | 0.0713% | 5,561 |
| Net operating income to assets | 0.7061% | 3,585 |
| Return on assets (ROA) | 0.7624% | 3,490 |
| Pretax return on assets | 1.0271% | 3,302 |
| Return on Equity (ROE) | 5.8524% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.2440% | 3,029 |
| Net charge-offs to loans | 0.0539% | 5,433 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 42.9990% | 737 |
| Efficiency ratio | 72.1623% | 3,522 |
| Assets per employee ($millions) | 4.3344% | 3,206 |
| Cash dividends to net income (ytd only)* | 10.3957% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 3,807 |
| Loan loss allowance to noncurrent loans | 64.3087% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.0763% | 4,614 |
| Noncurrent loans to loans | 2.4386% | 2,836 |
| Net loans and leases to total assets | 43.4420% | 6,390 |
| Net loans and leases to deposits | 51.0250% | 6,440 |
| Net loans and leases to core deposits | 54.5506% | 6,421 |
| Total domestic deposits to total assets | 85.1387% | 3,705 |
| Equity capital to assets | 13.3479% | 1,442 |
| Core capital (leverage) ratio | 12.6021% | 1,388 |
| Tier 1 risk-based capital ratio | 24.0367% | 1,007 |
| Total risk-based capital ratio | 25.2863% | 996 |
| Memoranda: | ||
| Average total assets | $84,120,250 | 5,375 |
| Average earning assets | $79,056,500 | 5,299 |
| Average equity | $10,958,250 | 4,812 |
| Average total loans | $37,096,250 | 5,873 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 6,022 |
| Cost of funding earning assets | 0.7636% | 5,603 |
| Net interest margin | 3.5369% | 4,987 |
| Noninterest income to average assets | 0.3075% | 5,436 |
| Noninterest expense to average assets | 2.6326% | 5,070 |
| Loan and lease loss provision to assets | 0.0721% | 5,410 |
| Net operating income to assets | 0.7253% | 3,412 |
| Return on assets (ROA) | 0.7590% | 3,378 |
| Pretax return on assets | 0.9728% | 3,347 |
| Return on Equity (ROE) | 5.8769% | 4,029 |
| Retained earnings to average equity (ytd only) | 4.9470% | 3,037 |
| Net charge-offs to loans | 0.0763% | 4,878 |
| Credit loss provision to net charge-offs | 214.2857% | 1,393 |
| Earnings coverage of net charge-offs (x) | 29.7857% | 923 |
| Efficiency ratio | 72.4389% | 3,647 |
| Assets per employee ($millions) | 4.2662% | 3,223 |
| Cash dividends to net income (ytd only)* | 15.8228% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 3,897 |
| Loan loss allowance to noncurrent loans | 62.8755% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 4,685 |
| Noncurrent loans to loans | 2.4693% | 2,919 |
| Net loans and leases to total assets | 43.5493% | 6,471 |
| Net loans and leases to deposits | 50.7387% | 6,549 |
| Net loans and leases to core deposits | 54.3397% | 6,537 |
| Total domestic deposits to total assets | 85.8305% | 3,422 |
| Equity capital to assets | 12.9940% | 1,516 |
| Core capital (leverage) ratio | 12.3649% | 1,417 |
| Tier 1 risk-based capital ratio | 23.8588% | 1,019 |
| Total risk-based capital ratio | 25.1098% | 1,006 |
| Memoranda: | ||
| Average total assets | $83,264,330 | 5,449 |
| Average earning assets | $78,316,670 | 5,365 |
| Average equity | $10,754,000 | 4,855 |
| Average total loans | $36,708,670 | 5,946 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 6,031 |
| Cost of funding earning assets | 0.7856% | 5,638 |
| Net interest margin | 3.5092% | 4,968 |
| Noninterest income to average assets | 0.3113% | 5,440 |
| Noninterest expense to average assets | 2.6023% | 5,217 |
| Loan and lease loss provision to assets | 0.0730% | 5,087 |
| Net operating income to assets | 0.7343% | 3,355 |
| Return on assets (ROA) | 0.8026% | 3,086 |
| Pretax return on assets | 1.0263% | 3,037 |
| Return on Equity (ROE) | 6.2338% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.2338% | 2,505 |
| Net charge-offs to loans | 0.1547% | 3,563 |
| Credit loss provision to net charge-offs | 107.1429% | 2,486 |
| Earnings coverage of net charge-offs (x) | 14.8571% | 1,346 |
| Efficiency ratio | 72.0054% | 3,865 |
| Assets per employee ($millions) | 4.4397% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 3,801 |
| Loan loss allowance to noncurrent loans | 60.0421% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.1689% | 4,605 |
| Noncurrent loans to loans | 2.6367% | 2,863 |
| Net loans and leases to total assets | 42.0805% | 6,609 |
| Net loans and leases to deposits | 48.6921% | 6,710 |
| Net loans and leases to core deposits | 54.4742% | 6,527 |
| Total domestic deposits to total assets | 86.4217% | 3,276 |
| Equity capital to assets | 12.6750% | 1,534 |
| Core capital (leverage) ratio | 12.4772% | 1,335 |
| Tier 1 risk-based capital ratio | 24.2432% | 951 |
| Total risk-based capital ratio | 25.4940% | 938 |
| Memoranda: | ||
| Average total assets | $82,234,500 | 5,518 |
| Average earning assets | $77,397,000 | 5,429 |
| Average equity | $10,587,500 | 4,897 |
| Average total loans | $36,191,000 | 6,019 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 5,950 |
| Cost of funding earning assets | 1.0249% | 5,560 |
| Net interest margin | 3.6266% | 4,690 |
| Noninterest income to average assets | 0.3603% | 5,227 |
| Noninterest expense to average assets | 2.7972% | 4,621 |
| Loan and lease loss provision to assets | 0.1789% | 5,431 |
| Net operating income to assets | 0.6031% | 3,653 |
| Return on assets (ROA) | 0.7129% | 3,309 |
| Pretax return on assets | 0.9096% | 3,246 |
| Return on Equity (ROE) | 5.3973% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.3973% | 2,179 |
| Net charge-offs to loans | 0.1010% | 5,854 |
| Credit loss provision to net charge-offs | 414.7059% | 579 |
| Earnings coverage of net charge-offs (x) | 21.9706% | 942 |
| Efficiency ratio | 74.6951% | 3,256 |
| Assets per employee ($millions) | 4.2165% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 3,696 |
| Loan loss allowance to noncurrent loans | 56.3241% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.2769% | 4,483 |
| Noncurrent loans to loans | 2.7868% | 2,734 |
| Net loans and leases to total assets | 44.6164% | 6,667 |
| Net loans and leases to deposits | 51.9225% | 6,750 |
| Net loans and leases to core deposits | 54.6227% | 6,777 |
| Total domestic deposits to total assets | 85.9288% | 3,396 |
| Equity capital to assets | 13.0851% | 1,354 |
| Core capital (leverage) ratio | 12.4684% | 1,330 |
| Tier 1 risk-based capital ratio | 24.4176% | 896 |
| Total risk-based capital ratio | 25.6809% | 880 |
| Memoranda: | ||
| Average total assets | $78,829,200 | 5,625 |
| Average earning assets | $73,567,200 | 5,553 |
| Average equity | $10,412,600 | 5,007 |
| Average total loans | $33,656,800 | 6,224 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 6,157 |
| Cost of funding earning assets | 1.0772% | 5,559 |
| Net interest margin | 3.5809% | 4,967 |
| Noninterest income to average assets | 0.3583% | 5,303 |
| Noninterest expense to average assets | 2.8447% | 4,296 |
| Loan and lease loss provision to assets | 0.1613% | 5,418 |
| Net operating income to assets | 0.5347% | 4,164 |
| Return on assets (ROA) | 0.6759% | 3,681 |
| Pretax return on assets | 0.8780% | 3,629 |
| Return on Equity (ROE) | 5.1049% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.1049% | 2,911 |
| Net charge-offs to loans | 0.1374% | 5,199 |
| Credit loss provision to net charge-offs | 279.4118% | 1,164 |
| Earnings coverage of net charge-offs (x) | 14.8242% | 1,479 |
| Efficiency ratio | 76.8701% | 2,783 |
| Assets per employee ($millions) | 4.2167% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 3,906 |
| Loan loss allowance to noncurrent loans | 48.9720% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.4628% | 4,259 |
| Noncurrent loans to loans | 3.0881% | 2,583 |
| Net loans and leases to total assets | 42.5934% | 6,943 |
| Net loans and leases to deposits | 50.1764% | 7,003 |
| Net loans and leases to core deposits | 52.8865% | 7,012 |
| Total domestic deposits to total assets | 84.8873% | 3,674 |
| Equity capital to assets | 13.5325% | 1,333 |
| Core capital (leverage) ratio | 12.4741% | 1,419 |
| Tier 1 risk-based capital ratio | 24.8244% | 869 |
| Total risk-based capital ratio | 26.0760% | 857 |
| Memoranda: | ||
| Average total assets | $78,508,000 | 5,704 |
| Average earning assets | $73,274,750 | 5,627 |
| Average equity | $10,395,000 | 5,088 |
| Average total loans | $32,992,500 | 6,341 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 6,255 |
| Cost of funding earning assets | 1.1082% | 5,625 |
| Net interest margin | 3.5583% | 5,012 |
| Noninterest income to average assets | 0.3514% | 5,338 |
| Noninterest expense to average assets | 2.9242% | 3,986 |
| Loan and lease loss provision to assets | 0.1565% | 5,334 |
| Net operating income to assets | 0.4828% | 4,401 |
| Return on assets (ROA) | 0.6490% | 3,786 |
| Pretax return on assets | 0.7926% | 3,907 |
| Return on Equity (ROE) | 4.9385% | 4,316 |
| Retained earnings to average equity (ytd only) | 4.9385% | 2,941 |
| Net charge-offs to loans | 0.2096% | 4,354 |
| Credit loss provision to net charge-offs | 179.4118% | 2,183 |
| Earnings coverage of net charge-offs (x) | 8.5588% | 2,124 |
| Efficiency ratio | 79.6646% | 2,482 |
| Assets per employee ($millions) | 4.2442% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 4,232 |
| Loan loss allowance to noncurrent loans | 72.1649% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.0057% | 5,135 |
| Noncurrent loans to loans | 1.9962% | 3,721 |
| Net loans and leases to total assets | 41.5724% | 7,063 |
| Net loans and leases to deposits | 48.4234% | 7,146 |
| Net loans and leases to core deposits | 50.8633% | 7,178 |
| Total domestic deposits to total assets | 85.8519% | 3,176 |
| Equity capital to assets | 12.8956% | 1,609 |
| Core capital (leverage) ratio | 12.3426% | 1,477 |
| Tier 1 risk-based capital ratio | 24.3633% | 906 |
| Total risk-based capital ratio | 25.5702% | 887 |
| Memoranda: | ||
| Average total assets | $77,971,330 | 5,758 |
| Average earning assets | $72,731,670 | 5,682 |
| Average equity | $10,246,000 | 5,130 |
| Average total loans | $32,440,330 | 6,411 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 6,255 |
| Cost of funding earning assets | 1.1406% | 5,698 |
| Net interest margin | 3.5559% | 4,919 |
| Noninterest income to average assets | 0.3549% | 5,301 |
| Noninterest expense to average assets | 3.0064% | 3,658 |
| Loan and lease loss provision to assets | 0.0783% | 5,856 |
| Net operating income to assets | 0.5585% | 4,091 |
| Return on assets (ROA) | 0.5585% | 4,235 |
| Pretax return on assets | 0.5898% | 4,648 |
| Return on Equity (ROE) | 4.2087% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.2087% | 3,623 |
| Net charge-offs to loans | 0.4423% | 2,720 |
| Credit loss provision to net charge-offs | 42.8571% | 4,589 |
| Earnings coverage of net charge-offs (x) | 3.6571% | 2,834 |
| Efficiency ratio | 81.8182% | 2,291 |
| Assets per employee ($millions) | 3.9528% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,507 |
| Loan loss allowance to noncurrent loans | 70.6539% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 5,445 |
| Noncurrent loans to loans | 1.9563% | 3,849 |
| Net loans and leases to total assets | 39.9810% | 7,253 |
| Net loans and leases to deposits | 46.5370% | 7,308 |
| Net loans and leases to core deposits | 48.9333% | 7,322 |
| Total domestic deposits to total assets | 85.9123% | 3,202 |
| Equity capital to assets | 12.9682% | 1,540 |
| Core capital (leverage) ratio | 12.6634% | 1,341 |
| Tier 1 risk-based capital ratio | 25.0772% | 854 |
| Total risk-based capital ratio | 26.2171% | 848 |
| Memoranda: | ||
| Average total assets | $76,637,000 | 5,861 |
| Average earning assets | $71,543,000 | 5,795 |
| Average equity | $10,169,500 | 5,190 |
| Average total loans | $31,653,500 | 6,536 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2500% | 5,411 |
| Cost of funding earning assets | 1.3525% | 6,133 |
| Net interest margin | 3.8975% | 3,278 |
| Noninterest income to average assets | 0.4050% | 5,166 |
| Noninterest expense to average assets | 3.0673% | 3,884 |
| Loan and lease loss provision to assets | 0.1397% | 6,244 |
| Net operating income to assets | 0.6445% | 3,159 |
| Return on assets (ROA) | 0.6845% | 3,060 |
| Pretax return on assets | 0.8599% | 3,053 |
| Return on Equity (ROE) | 4.8618% | 3,730 |
| Retained earnings to average equity (ytd only) | 4.8112% | 1,917 |
| Net charge-offs to loans | 0.4062% | 4,192 |
| Credit loss provision to net charge-offs | 79.6748% | 6,285 |
| Earnings coverage of net charge-offs (x) | 5.4146% | 2,607 |
| Efficiency ratio | 76.3578% | 3,467 |
| Assets per employee ($millions) | 3.7110% | 4,495 |
| Cash dividends to net income (ytd only)* | 1.0417% | 4,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 3,829 |
| Loan loss allowance to noncurrent loans | 85.7407% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 5,522 |
| Noncurrent loans to loans | 1.7276% | 4,045 |
| Net loans and leases to total assets | 41.4907% | 7,275 |
| Net loans and leases to deposits | 48.6300% | 7,331 |
| Net loans and leases to core deposits | 57.7705% | 7,347 |
| Total domestic deposits to total assets | 85.3191% | 3,402 |
| Equity capital to assets | 13.5909% | 1,285 |
| Core capital (leverage) ratio | 13.0873% | 1,226 |
| Tier 1 risk-based capital ratio | 25.7736% | 776 |
| Total risk-based capital ratio | 27.0118% | 769 |
| Memoranda: | ||
| Average total assets | $70,127,200 | 5,997 |
| Average earning assets | $64,990,200 | 5,957 |
| Average equity | $9,872,800 | 5,330 |
| Average total loans | $30,282,400 | 6,609 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3227% | 5,312 |
| Cost of funding earning assets | 1.3937% | 6,254 |
| Net interest margin | 3.9290% | 3,129 |
| Noninterest income to average assets | 0.4206% | 5,129 |
| Noninterest expense to average assets | 3.1237% | 3,564 |
| Loan and lease loss provision to assets | 0.0695% | 6,667 |
| Net operating income to assets | 0.6786% | 3,281 |
| Return on assets (ROA) | 0.7312% | 3,157 |
| Pretax return on assets | 0.9338% | 3,117 |
| Return on Equity (ROE) | 5.1462% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.0783% | 2,443 |
| Net charge-offs to loans | 0.0577% | 6,128 |
| Credit loss provision to net charge-offs | 276.9231% | 1,517 |
| Earnings coverage of net charge-offs (x) | 37.3139% | 789 |
| Efficiency ratio | 76.9487% | 3,328 |
| Assets per employee ($millions) | 3.4019% | 5,161 |
| Cash dividends to net income (ytd only)* | 1.3200% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 2,712 |
| Loan loss allowance to noncurrent loans | 69.7135% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.1016% | 4,877 |
| Noncurrent loans to loans | 2.4050% | 3,132 |
| Net loans and leases to total assets | 41.9477% | 7,367 |
| Net loans and leases to deposits | 49.7402% | 7,423 |
| Net loans and leases to core deposits | 58.7531% | 7,441 |
| Total domestic deposits to total assets | 84.3335% | 3,560 |
| Equity capital to assets | 14.1141% | 1,270 |
| Core capital (leverage) ratio | 13.4744% | 1,238 |
| Tier 1 risk-based capital ratio | 26.6848% | 776 |
| Total risk-based capital ratio | 27.9357% | 751 |
| Memoranda: | ||
| Average total assets | $69,104,250 | 6,070 |
| Average earning assets | $64,001,000 | 6,034 |
| Average equity | $9,819,250 | 5,393 |
| Average total loans | $30,038,750 | 6,678 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4179% | 5,046 |
| Cost of funding earning assets | 1.4298% | 6,379 |
| Net interest margin | 3.9881% | 2,751 |
| Noninterest income to average assets | 0.4157% | 5,156 |
| Noninterest expense to average assets | 3.1291% | 3,584 |
| Loan and lease loss provision to assets | 0.0703% | 6,498 |
| Net operating income to assets | 0.7123% | 3,204 |
| Return on assets (ROA) | 0.7493% | 3,153 |
| Pretax return on assets | 0.9455% | 3,194 |
| Return on Equity (ROE) | 5.2614% | 3,971 |
| Retained earnings to average equity (ytd only) | 5.1586% | 2,422 |
| Net charge-offs to loans | 0.0736% | 5,475 |
| Credit loss provision to net charge-offs | 218.1818% | 2,107 |
| Earnings coverage of net charge-offs (x) | 30.0909% | 995 |
| Efficiency ratio | 76.3571% | 3,628 |
| Assets per employee ($millions) | 3.3356% | 5,222 |
| Cash dividends to net income (ytd only)* | 1.9531% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 2,595 |
| Loan loss allowance to noncurrent loans | 91.9266% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 5,310 |
| Noncurrent loans to loans | 1.7784% | 3,832 |
| Net loans and leases to total assets | 43.0333% | 7,394 |
| Net loans and leases to deposits | 50.8331% | 7,448 |
| Net loans and leases to core deposits | 60.0191% | 7,453 |
| Total domestic deposits to total assets | 84.6562% | 3,417 |
| Equity capital to assets | 13.9504% | 1,331 |
| Core capital (leverage) ratio | 13.4872% | 1,276 |
| Tier 1 risk-based capital ratio | 26.6529% | 804 |
| Total risk-based capital ratio | 27.9044% | 783 |
| Memoranda: | ||
| Average total assets | $68,326,000 | 6,140 |
| Average earning assets | $63,087,000 | 6,111 |
| Average equity | $9,731,330 | 5,446 |
| Average total loans | $29,892,330 | 6,739 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4033% | 5,411 |
| Cost of funding earning assets | 1.4456% | 6,593 |
| Net interest margin | 3.9577% | 2,822 |
| Noninterest income to average assets | 0.4210% | 5,042 |
| Noninterest expense to average assets | 3.1483% | 3,195 |
| Loan and lease loss provision to assets | 0.0711% | 6,073 |
| Net operating income to assets | 0.7141% | 3,482 |
| Return on assets (ROA) | 0.7589% | 3,478 |
| Pretax return on assets | 0.9071% | 3,690 |
| Return on Equity (ROE) | 5.2724% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.2724% | 2,976 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2926% | 3,285 |
| Assets per employee ($millions) | 3.2671% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 2,186 |
| Loan loss allowance to noncurrent loans | 58.8235% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.3030% | 4,069 |
| Noncurrent loans to loans | 2.8660% | 2,280 |
| Net loans and leases to total assets | 42.4988% | 7,438 |
| Net loans and leases to deposits | 50.3758% | 7,477 |
| Net loans and leases to core deposits | 58.3230% | 7,520 |
| Total domestic deposits to total assets | 84.3636% | 3,522 |
| Equity capital to assets | 14.2620% | 1,291 |
| Core capital (leverage) ratio | 13.8737% | 1,216 |
| Tier 1 risk-based capital ratio | 27.2059% | 806 |
| Total risk-based capital ratio | 28.4593% | 782 |
| Memoranda: | ||
| Average total assets | $67,465,000 | 6,201 |
| Average earning assets | $62,258,000 | 6,164 |
| Average equity | $9,711,000 | 5,474 |
| Average total loans | $29,516,000 | 6,797 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8067% | 6,404 |
| Cost of funding earning assets | 1.8851% | 6,774 |
| Net interest margin | 3.9216% | 3,475 |
| Noninterest income to average assets | 0.4760% | 4,829 |
| Noninterest expense to average assets | 3.2384% | 3,194 |
| Loan and lease loss provision to assets | 0.0723% | 6,490 |
| Net operating income to assets | 0.6276% | 4,197 |
| Return on assets (ROA) | 0.7109% | 3,675 |
| Pretax return on assets | 0.8992% | 3,724 |
| Return on Equity (ROE) | 5.1686% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.1686% | 1,922 |
| Net charge-offs to loans | 0.0066% | 6,866 |
| Credit loss provision to net charge-offs | 2,400.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 287.5000% | 166 |
| Efficiency ratio | 78.8991% | 2,775 |
| Assets per employee ($millions) | 3.1581% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 2,027 |
| Loan loss allowance to noncurrent loans | 94.9416% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 4,743 |
| Noncurrent loans to loans | 1.7498% | 3,140 |
| Net loans and leases to total assets | 43.5548% | 7,496 |
| Net loans and leases to deposits | 51.7754% | 7,543 |
| Net loans and leases to core deposits | 60.4449% | 7,566 |
| Total domestic deposits to total assets | 84.1227% | 3,262 |
| Equity capital to assets | 14.5308% | 1,289 |
| Core capital (leverage) ratio | 13.9927% | 1,258 |
| Tier 1 risk-based capital ratio | 27.3191% | 808 |
| Total risk-based capital ratio | 28.5714% | 780 |
| Memoranda: | ||
| Average total assets | $66,390,800 | 6,147 |
| Average earning assets | $61,429,200 | 6,114 |
| Average equity | $9,132,000 | 5,696 |
| Average total loans | $30,080,000 | 6,706 |