Home > The First National Bank of Orwell > Performance and Condition Ratios
The First National Bank of Orwell, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8368% | 785 |
| Cost of funding earning assets | 0.7045% | 3,923 |
| Net interest margin | 5.1323% | 278 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.7292% | 1,669 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.8454% | 573 |
| Return on assets (ROA) | 1.8454% | 556 |
| Pretax return on assets | 2.3286% | 418 |
| Return on Equity (ROE) | 16.7300% | 983 |
| Retained earnings to average equity (ytd only) | 8.4753% | 1,402 |
| Net charge-offs to loans | 0.0138% | 2,139 |
| Credit loss provision to net charge-offs | 866.6667% | 459 |
| Earnings coverage of net charge-offs (x) | 221.7778% | 551 |
| Efficiency ratio | 52.9689% | 3,754 |
| Assets per employee ($millions) | 5.2560% | 3,431 |
| Cash dividends to net income (ytd only)* | 49.3421% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 1,684 |
| Loan loss allowance to noncurrent loans | 93.7238% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.2126% | 359 |
| Noncurrent loans to loans | 1.4076% | 495 |
| Net loans and leases to total assets | 85.0100% | 208 |
| Net loans and leases to deposits | 97.2983% | 696 |
| Net loans and leases to core deposits | 103.9971% | 1,216 |
| Total domestic deposits to total assets | 87.3700% | 1,568 |
| Equity capital to assets | 11.8912% | 1,166 |
| Core capital (leverage) ratio | 11.4677% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $82,367,800 | 3,996 |
| Average earning assets | $78,210,800 | 3,946 |
| Average equity | $9,085,200 | 3,815 |
| Average total loans | $65,405,600 | 3,624 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5830% | 921 |
| Cost of funding earning assets | 0.6113% | 3,949 |
| Net interest margin | 4.9716% | 319 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.5961% | 1,955 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.8418% | 608 |
| Return on assets (ROA) | 1.8418% | 598 |
| Pretax return on assets | 2.3239% | 468 |
| Return on Equity (ROE) | 17.0100% | 1,072 |
| Retained earnings to average equity (ytd only) | 11.4650% | 1,077 |
| Net charge-offs to loans | 0.0185% | 1,759 |
| Credit loss provision to net charge-offs | 488.8889% | 643 |
| Earnings coverage of net charge-offs (x) | 166.1111% | 680 |
| Efficiency ratio | 52.0218% | 3,754 |
| Assets per employee ($millions) | 5.7939% | 2,936 |
| Cash dividends to net income (ytd only)* | 32.6087% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 1,891 |
| Loan loss allowance to noncurrent loans | 90.5462% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.1737% | 388 |
| Noncurrent loans to loans | 1.4281% | 518 |
| Net loans and leases to total assets | 81.1200% | 520 |
| Net loans and leases to deposits | 92.0538% | 1,046 |
| Net loans and leases to core deposits | 98.2618% | 1,430 |
| Total domestic deposits to total assets | 88.1200% | 1,529 |
| Equity capital to assets | 11.5652% | 1,163 |
| Core capital (leverage) ratio | 11.3687% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $83,249,750 | 4,003 |
| Average earning assets | $79,167,250 | 3,957 |
| Average equity | $9,012,750 | 3,823 |
| Average total loans | $64,777,500 | 3,640 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 822 |
| Cost of funding earning assets | 0.5050% | 3,969 |
| Net interest margin | 5.0004% | 309 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.5059% | 2,191 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.9437% | 508 |
| Return on assets (ROA) | 1.9437% | 506 |
| Pretax return on assets | 2.4535% | 378 |
| Return on Equity (ROE) | 18.3600% | 913 |
| Retained earnings to average equity (ytd only) | 9.9213% | 1,421 |
| Net charge-offs to loans | 0.0281% | 1,326 |
| Credit loss provision to net charge-offs | 300.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 117.4444% | 856 |
| Efficiency ratio | 49.8815% | 3,940 |
| Assets per employee ($millions) | 5.5529% | 3,102 |
| Cash dividends to net income (ytd only)* | 45.9559% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 1,960 |
| Loan loss allowance to noncurrent loans | 118.8467% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 586 |
| Noncurrent loans to loans | 1.0871% | 665 |
| Net loans and leases to total assets | 77.5100% | 886 |
| Net loans and leases to deposits | 87.6086% | 1,377 |
| Net loans and leases to core deposits | 92.1900% | 1,672 |
| Total domestic deposits to total assets | 88.4700% | 1,437 |
| Equity capital to assets | 10.8617% | 1,443 |
| Core capital (leverage) ratio | 10.7793% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $83,961,667 | 4,013 |
| Average earning assets | $79,993,000 | 3,969 |
| Average equity | $8,890,000 | 3,862 |
| Average total loans | $64,149,000 | 3,652 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 887 |
| Cost of funding earning assets | 0.4078% | 3,949 |
| Net interest margin | 4.8434% | 350 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.3773% | 2,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9550% | 531 |
| Return on assets (ROA) | 1.9550% | 519 |
| Pretax return on assets | 2.4675% | 372 |
| Return on Equity (ROE) | 18.7000% | 926 |
| Retained earnings to average equity (ytd only) | 18.7028% | 457 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.0695% | 4,018 |
| Assets per employee ($millions) | 6.4582% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,041 |
| Loan loss allowance to noncurrent loans | 138.5260% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 686 |
| Noncurrent loans to loans | 0.9380% | 801 |
| Net loans and leases to total assets | 74.8200% | 1,097 |
| Net loans and leases to deposits | 84.0228% | 1,499 |
| Net loans and leases to core deposits | 87.9164% | 1,751 |
| Total domestic deposits to total assets | 89.0500% | 1,527 |
| Equity capital to assets | 10.7413% | 1,437 |
| Core capital (leverage) ratio | 10.5855% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $84,296,000 | 4,061 |
| Average earning assets | $80,439,000 | 4,014 |
| Average equity | $8,811,500 | 3,913 |
| Average total loans | $63,522,500 | 3,706 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 645 |
| Cost of funding earning assets | 0.2166% | 3,620 |
| Net interest margin | 4.3458% | 384 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.6196% | 1,775 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.4313% | 1,044 |
| Return on assets (ROA) | 1.4313% | 1,011 |
| Pretax return on assets | 1.8052% | 725 |
| Return on Equity (ROE) | 14.8200% | 1,305 |
| Retained earnings to average equity (ytd only) | 8.7707% | 1,545 |
| Net charge-offs to loans | 0.1253% | 620 |
| Credit loss provision to net charge-offs | 115.3846% | 1,484 |
| Earnings coverage of net charge-offs (x) | 20.9872% | 1,870 |
| Efficiency ratio | 57.7984% | 3,367 |
| Assets per employee ($millions) | 6.0454% | 2,724 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 1,870 |
| Loan loss allowance to noncurrent loans | 132.9582% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 647 |
| Noncurrent loans to loans | 0.9811% | 748 |
| Net loans and leases to total assets | 73.9300% | 1,219 |
| Net loans and leases to deposits | 82.7302% | 1,562 |
| Net loans and leases to core deposits | 86.6770% | 1,698 |
| Total domestic deposits to total assets | 89.3700% | 1,614 |
| Equity capital to assets | 10.1671% | 1,629 |
| Core capital (leverage) ratio | 9.8141% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $85,584,200 | 4,067 |
| Average earning assets | $81,711,200 | 4,020 |
| Average equity | $8,266,200 | 4,070 |
| Average total loans | $62,243,200 | 3,691 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 672 |
| Cost of funding earning assets | 0.2246% | 2,991 |
| Net interest margin | 4.1145% | 502 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.4888% | 2,047 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.3594% | 1,194 |
| Return on assets (ROA) | 1.3594% | 1,167 |
| Pretax return on assets | 1.7136% | 875 |
| Return on Equity (ROE) | 14.2600% | 1,362 |
| Retained earnings to average equity (ytd only) | 10.1853% | 1,292 |
| Net charge-offs to loans | 0.1679% | 392 |
| Credit loss provision to net charge-offs | 115.3846% | 1,241 |
| Earnings coverage of net charge-offs (x) | 15.3205% | 1,848 |
| Efficiency ratio | 57.2757% | 3,478 |
| Assets per employee ($millions) | 6.2643% | 2,523 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 1,947 |
| Loan loss allowance to noncurrent loans | 123.9880% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 662 |
| Noncurrent loans to loans | 1.0639% | 708 |
| Net loans and leases to total assets | 70.5400% | 1,437 |
| Net loans and leases to deposits | 78.3426% | 1,684 |
| Net loans and leases to core deposits | 82.2966% | 1,744 |
| Total domestic deposits to total assets | 90.0400% | 1,638 |
| Equity capital to assets | 9.6978% | 1,773 |
| Core capital (leverage) ratio | 9.6362% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $85,821,250 | 4,095 |
| Average earning assets | $81,918,750 | 4,050 |
| Average equity | $8,181,500 | 4,120 |
| Average total loans | $61,954,000 | 3,720 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 618 |
| Cost of funding earning assets | 0.2436% | 2,350 |
| Net interest margin | 3.9684% | 528 |
| Noninterest income to average assets | 0.4226% | 2,615 |
| Noninterest expense to average assets | 2.4649% | 2,041 |
| Loan and lease loss provision to assets | 0.0282% | 2,082 |
| Net operating income to assets | 1.3616% | 995 |
| Return on assets (ROA) | 1.3616% | 972 |
| Pretax return on assets | 1.7161% | 725 |
| Return on Equity (ROE) | 14.3677% | 1,023 |
| Retained earnings to average equity (ytd only) | 8.1747% | 1,557 |
| Net charge-offs to loans | -0.0065% | 3,432 |
| Credit loss provision to net charge-offs | -500.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5611% | 3,481 |
| Assets per employee ($millions) | 5.3899% | 3,344 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,046 |
| Loan loss allowance to noncurrent loans | 109.5364% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 585 |
| Noncurrent loans to loans | 1.2151% | 654 |
| Net loans and leases to total assets | 71.0908% | 1,195 |
| Net loans and leases to deposits | 79.0143% | 1,464 |
| Net loans and leases to core deposits | 83.3601% | 1,490 |
| Total domestic deposits to total assets | 89.9721% | 1,717 |
| Equity capital to assets | 9.5201% | 2,001 |
| Core capital (leverage) ratio | 9.5588% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,195,000 | 4,137 |
| Average earning assets | $81,292,000 | 4,104 |
| Average equity | $8,073,667 | 4,194 |
| Average total loans | $61,708,333 | 3,761 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 628 |
| Cost of funding earning assets | 0.2679% | 1,946 |
| Net interest margin | 3.8405% | 584 |
| Noninterest income to average assets | 0.3638% | 2,915 |
| Noninterest expense to average assets | 2.4801% | 1,930 |
| Loan and lease loss provision to assets | 0.0472% | 1,524 |
| Net operating income to assets | 1.1857% | 1,281 |
| Return on assets (ROA) | 1.1857% | 1,280 |
| Pretax return on assets | 1.4928% | 1,033 |
| Return on Equity (ROE) | 12.5414% | 1,146 |
| Retained earnings to average equity (ytd only) | 12.5414% | 522 |
| Net charge-offs to loans | -0.0065% | 3,433 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6921% | 3,305 |
| Assets per employee ($millions) | 5.5999% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,199 |
| Loan loss allowance to noncurrent loans | 98.9234% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9953% | 508 |
| Noncurrent loans to loans | 1.3494% | 645 |
| Net loans and leases to total assets | 72.7732% | 764 |
| Net loans and leases to deposits | 80.7407% | 1,094 |
| Net loans and leases to core deposits | 84.9980% | 1,188 |
| Total domestic deposits to total assets | 90.1319% | 1,488 |
| Equity capital to assets | 9.6800% | 2,152 |
| Core capital (leverage) ratio | 9.5588% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,673,000 | 4,163 |
| Average earning assets | $80,615,000 | 4,131 |
| Average equity | $8,005,500 | 4,271 |
| Average total loans | $61,495,000 | 3,770 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 1,122 |
| Cost of funding earning assets | 0.5203% | 845 |
| Net interest margin | 3.6017% | 1,463 |
| Noninterest income to average assets | 0.6244% | 2,052 |
| Noninterest expense to average assets | 2.6836% | 1,675 |
| Loan and lease loss provision to assets | -0.0468% | 4,339 |
| Net operating income to assets | 1.1214% | 2,206 |
| Return on assets (ROA) | 1.1214% | 2,268 |
| Pretax return on assets | 1.4114% | 2,011 |
| Return on Equity (ROE) | 12.5602% | 1,621 |
| Retained earnings to average equity (ytd only) | 8.3036% | 1,423 |
| Net charge-offs to loans | -0.0628% | 4,427 |
| Credit loss provision to net charge-offs | 107.8947% | 1,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2912% | 2,223 |
| Assets per employee ($millions) | 5.6899% | 3,068 |
| Cash dividends to net income (ytd only)* | 33.8895% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,207 |
| Loan loss allowance to noncurrent loans | 62.3089% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.5325% | 266 |
| Noncurrent loans to loans | 2.1430% | 346 |
| Net loans and leases to total assets | 70.5582% | 979 |
| Net loans and leases to deposits | 78.1357% | 1,387 |
| Net loans and leases to core deposits | 82.8301% | 1,399 |
| Total domestic deposits to total assets | 90.3021% | 809 |
| Equity capital to assets | 9.2328% | 3,386 |
| Core capital (leverage) ratio | 9.0257% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,520,600 | 4,146 |
| Average earning assets | $81,295,000 | 4,110 |
| Average equity | $7,635,200 | 4,362 |
| Average total loans | $60,473,400 | 3,806 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 1,360 |
| Cost of funding earning assets | 0.5754% | 719 |
| Net interest margin | 3.5001% | 1,859 |
| Noninterest income to average assets | 0.6794% | 1,893 |
| Noninterest expense to average assets | 2.6210% | 1,782 |
| Loan and lease loss provision to assets | -0.0619% | 4,503 |
| Net operating income to assets | 1.1500% | 2,368 |
| Return on assets (ROA) | 1.1500% | 2,428 |
| Pretax return on assets | 1.4476% | 2,159 |
| Return on Equity (ROE) | 12.9915% | 1,695 |
| Retained earnings to average equity (ytd only) | 11.6712% | 906 |
| Net charge-offs to loans | -0.0840% | 4,546 |
| Credit loss provision to net charge-offs | 107.8947% | 1,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4220% | 2,183 |
| Assets per employee ($millions) | 5.8217% | 2,862 |
| Cash dividends to net income (ytd only)* | 10.1626% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 2,381 |
| Loan loss allowance to noncurrent loans | 57.9247% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.6112% | 294 |
| Noncurrent loans to loans | 2.2828% | 357 |
| Net loans and leases to total assets | 69.6490% | 1,112 |
| Net loans and leases to deposits | 76.8000% | 1,594 |
| Net loans and leases to core deposits | 81.2941% | 1,632 |
| Total domestic deposits to total assets | 90.6888% | 476 |
| Equity capital to assets | 9.0570% | 3,777 |
| Core capital (leverage) ratio | 9.1066% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,563,750 | 4,199 |
| Average earning assets | $81,328,250 | 4,164 |
| Average equity | $7,574,000 | 4,432 |
| Average total loans | $60,333,000 | 3,861 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0695% | 1,405 |
| Cost of funding earning assets | 0.6419% | 601 |
| Net interest margin | 3.4276% | 2,068 |
| Noninterest income to average assets | 0.7296% | 1,717 |
| Noninterest expense to average assets | 2.6713% | 1,660 |
| Loan and lease loss provision to assets | -0.0941% | 4,614 |
| Net operating income to assets | 1.1180% | 2,479 |
| Return on assets (ROA) | 1.1180% | 2,546 |
| Pretax return on assets | 1.4074% | 2,314 |
| Return on Equity (ROE) | 12.7306% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.7205% | 1,189 |
| Net charge-offs to loans | -0.1235% | 4,688 |
| Credit loss provision to net charge-offs | 110.8108% | 1,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0408% | 2,006 |
| Assets per employee ($millions) | 5.0874% | 3,576 |
| Cash dividends to net income (ytd only)* | 15.7895% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 2,167 |
| Loan loss allowance to noncurrent loans | 53.3071% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.7656% | 268 |
| Noncurrent loans to loans | 2.5450% | 321 |
| Net loans and leases to total assets | 68.4354% | 1,392 |
| Net loans and leases to deposits | 75.3236% | 1,891 |
| Net loans and leases to core deposits | 80.9384% | 1,807 |
| Total domestic deposits to total assets | 90.8552% | 415 |
| Equity capital to assets | 8.8407% | 3,933 |
| Core capital (leverage) ratio | 8.8030% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9933% | 963 |
| Memoranda: | ||
| Average total assets | $84,976,667 | 4,231 |
| Average earning assets | $80,698,667 | 4,196 |
| Average equity | $7,462,333 | 4,472 |
| Average total loans | $59,898,667 | 3,901 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0660% | 1,473 |
| Cost of funding earning assets | 0.7061% | 534 |
| Net interest margin | 3.3600% | 2,218 |
| Noninterest income to average assets | 1.0021% | 1,126 |
| Noninterest expense to average assets | 2.6976% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1826% | 2,222 |
| Return on assets (ROA) | 1.1826% | 2,291 |
| Pretax return on assets | 1.4913% | 2,017 |
| Return on Equity (ROE) | 13.5133% | 1,536 |
| Retained earnings to average equity (ytd only) | 13.5133% | 814 |
| Net charge-offs to loans | -0.0067% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3991% | 2,420 |
| Assets per employee ($millions) | 5.2824% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,134 |
| Loan loss allowance to noncurrent loans | 49.6966% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.9499% | 266 |
| Noncurrent loans to loans | 2.7423% | 314 |
| Net loans and leases to total assets | 70.1345% | 1,270 |
| Net loans and leases to deposits | 77.0973% | 1,789 |
| Net loans and leases to core deposits | 82.6771% | 1,784 |
| Total domestic deposits to total assets | 90.9689% | 406 |
| Equity capital to assets | 8.8678% | 3,818 |
| Core capital (leverage) ratio | 8.7958% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3932% | 1,010 |
| Memoranda: | ||
| Average total assets | $84,222,000 | 4,253 |
| Average earning assets | $79,881,000 | 4,221 |
| Average equity | $7,370,500 | 4,495 |
| Average total loans | $59,847,500 | 3,919 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5532% | 1,185 |
| Cost of funding earning assets | 1.0726% | 452 |
| Net interest margin | 3.4806% | 2,528 |
| Noninterest income to average assets | 0.5413% | 2,462 |
| Noninterest expense to average assets | 2.7862% | 1,978 |
| Loan and lease loss provision to assets | 0.0436% | 3,859 |
| Net operating income to assets | 0.8014% | 3,085 |
| Return on assets (ROA) | 0.8014% | 3,207 |
| Pretax return on assets | 1.0067% | 3,025 |
| Return on Equity (ROE) | 9.1976% | 2,316 |
| Retained earnings to average equity (ytd only) | 7.4124% | 1,230 |
| Net charge-offs to loans | 0.0193% | 2,684 |
| Credit loss provision to net charge-offs | 283.3333% | 1,795 |
| Earnings coverage of net charge-offs (x) | 70.3333% | 971 |
| Efficiency ratio | 72.6241% | 1,614 |
| Assets per employee ($millions) | 5.2453% | 3,098 |
| Cash dividends to net income (ytd only)* | 19.4099% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 2,098 |
| Loan loss allowance to noncurrent loans | 48.0047% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 2.0304% | 275 |
| Noncurrent loans to loans | 2.8591% | 323 |
| Net loans and leases to total assets | 70.0399% | 1,555 |
| Net loans and leases to deposits | 76.8419% | 2,191 |
| Net loans and leases to core deposits | 81.7971% | 2,210 |
| Total domestic deposits to total assets | 91.1480% | 191 |
| Equity capital to assets | 8.6339% | 4,346 |
| Core capital (leverage) ratio | 8.4209% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1839% | 1,026 |
| Memoranda: | ||
| Average total assets | $80,361,600 | 4,238 |
| Average earning assets | $76,078,400 | 4,211 |
| Average equity | $7,001,800 | 4,527 |
| Average total loans | $62,264,600 | 3,880 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,230 |
| Cost of funding earning assets | 1.1501% | 437 |
| Net interest margin | 3.4786% | 2,660 |
| Noninterest income to average assets | 0.5788% | 2,261 |
| Noninterest expense to average assets | 2.6995% | 2,256 |
| Loan and lease loss provision to assets | 0.0906% | 3,180 |
| Net operating income to assets | 0.8657% | 2,841 |
| Return on assets (ROA) | 0.8657% | 2,974 |
| Pretax return on assets | 1.0872% | 2,792 |
| Return on Equity (ROE) | 9.9122% | 2,051 |
| Retained earnings to average equity (ytd only) | 8.7020% | 1,073 |
| Net charge-offs to loans | 0.0254% | 2,324 |
| Credit loss provision to net charge-offs | 433.3333% | 1,397 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 1,111 |
| Efficiency ratio | 69.6235% | 1,943 |
| Assets per employee ($millions) | 5.2739% | 2,921 |
| Cash dividends to net income (ytd only)* | 12.2093% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,834 |
| Loan loss allowance to noncurrent loans | 54.2857% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.8250% | 410 |
| Noncurrent loans to loans | 2.5396% | 409 |
| Net loans and leases to total assets | 70.8709% | 1,840 |
| Net loans and leases to deposits | 77.6612% | 2,565 |
| Net loans and leases to core deposits | 82.9296% | 2,590 |
| Total domestic deposits to total assets | 91.2565% | 129 |
| Equity capital to assets | 8.5088% | 4,459 |
| Core capital (leverage) ratio | 8.4845% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,470,750 | 4,257 |
| Average earning assets | $75,354,750 | 4,229 |
| Average equity | $6,940,750 | 4,551 |
| Average total loans | $62,931,000 | 3,886 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 1,291 |
| Cost of funding earning assets | 1.2324% | 459 |
| Net interest margin | 3.5127% | 2,746 |
| Noninterest income to average assets | 0.6373% | 1,986 |
| Noninterest expense to average assets | 2.7392% | 2,255 |
| Loan and lease loss provision to assets | 0.1388% | 2,624 |
| Net operating income to assets | 0.8634% | 2,832 |
| Return on assets (ROA) | 0.8634% | 2,950 |
| Pretax return on assets | 1.0844% | 2,758 |
| Return on Equity (ROE) | 9.7945% | 2,052 |
| Retained earnings to average equity (ytd only) | 7.9580% | 1,320 |
| Net charge-offs to loans | 0.0440% | 1,868 |
| Credit loss provision to net charge-offs | 371.4286% | 1,471 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,352 |
| Efficiency ratio | 69.1310% | 2,070 |
| Assets per employee ($millions) | 5.2404% | 2,898 |
| Cash dividends to net income (ytd only)* | 18.7500% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 1,859 |
| Loan loss allowance to noncurrent loans | 49.4662% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 2.0108% | 350 |
| Noncurrent loans to loans | 2.6974% | 405 |
| Net loans and leases to total assets | 73.5506% | 1,468 |
| Net loans and leases to deposits | 80.4913% | 2,370 |
| Net loans and leases to core deposits | 89.2862% | 2,132 |
| Total domestic deposits to total assets | 91.3772% | 100 |
| Equity capital to assets | 8.3485% | 4,565 |
| Core capital (leverage) ratio | 8.6475% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,833,333 | 4,281 |
| Average earning assets | $73,674,667 | 4,252 |
| Average equity | $6,861,000 | 4,583 |
| Average total loans | $63,695,000 | 3,877 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 782 |
| Cost of funding earning assets | 1.3005% | 562 |
| Net interest margin | 3.8053% | 1,948 |
| Noninterest income to average assets | 0.4544% | 2,766 |
| Noninterest expense to average assets | 2.9081% | 2,099 |
| Loan and lease loss provision to assets | 0.2780% | 1,121 |
| Net operating income to assets | 0.6896% | 3,306 |
| Return on assets (ROA) | 0.6896% | 3,375 |
| Pretax return on assets | 0.8660% | 3,232 |
| Return on Equity (ROE) | 7.5977% | 2,689 |
| Retained earnings to average equity (ytd only) | 7.5977% | 1,350 |
| Net charge-offs to loans | 0.1120% | 1,029 |
| Credit loss provision to net charge-offs | 288.8889% | 1,208 |
| Earnings coverage of net charge-offs (x) | 11.8889% | 1,716 |
| Efficiency ratio | 71.7678% | 2,113 |
| Assets per employee ($millions) | 4.7960% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 2,059 |
| Loan loss allowance to noncurrent loans | 58.4096% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.8518% | 476 |
| Noncurrent loans to loans | 2.2572% | 570 |
| Net loans and leases to total assets | 80.9581% | 570 |
| Net loans and leases to deposits | 89.0526% | 1,634 |
| Net loans and leases to core deposits | 98.9173% | 1,563 |
| Total domestic deposits to total assets | 90.9104% | 119 |
| Equity capital to assets | 8.9345% | 4,637 |
| Core capital (leverage) ratio | 9.2185% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,826,500 | 4,326 |
| Average earning assets | $70,743,500 | 4,303 |
| Average equity | $6,791,500 | 4,622 |
| Average total loans | $64,290,500 | 3,879 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2014% | 990 |
| Cost of funding earning assets | 1.2953% | 775 |
| Net interest margin | 3.9061% | 2,157 |
| Noninterest income to average assets | 0.3818% | 3,405 |
| Noninterest expense to average assets | 2.8323% | 2,498 |
| Loan and lease loss provision to assets | 0.0314% | 3,387 |
| Net operating income to assets | 0.9518% | 3,011 |
| Return on assets (ROA) | 0.9518% | 3,096 |
| Pretax return on assets | 1.1987% | 2,849 |
| Return on Equity (ROE) | 10.8157% | 1,958 |
| Retained earnings to average equity (ytd only) | 8.8788% | 739 |
| Net charge-offs to loans | 0.0351% | 2,685 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 39.2174% | 1,331 |
| Efficiency ratio | 69.7214% | 2,215 |
| Assets per employee ($millions) | 4.8611% | 2,759 |
| Cash dividends to net income (ytd only)* | 17.9083% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 2,360 |
| Loan loss allowance to noncurrent loans | 53.7838% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.0297% | 383 |
| Noncurrent loans to loans | 2.2552% | 538 |
| Net loans and leases to total assets | 88.9107% | 69 |
| Net loans and leases to deposits | 98.1990% | 744 |
| Net loans and leases to core deposits | 109.3106% | 892 |
| Total domestic deposits to total assets | 90.5413% | 191 |
| Equity capital to assets | 9.2256% | 4,548 |
| Core capital (leverage) ratio | 8.9687% | 4,553 |
| Tier 1 risk-based capital ratio | 14.6280% | 2,941 |
| Total risk-based capital ratio | 15.8827% | 2,850 |
| Memoranda: | ||
| Average total assets | $73,331,400 | 4,382 |
| Average earning assets | $69,097,200 | 4,358 |
| Average equity | $6,453,600 | 4,701 |
| Average total loans | $65,478,600 | 3,871 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 1,207 |
| Cost of funding earning assets | 1.2756% | 847 |
| Net interest margin | 3.8557% | 2,416 |
| Noninterest income to average assets | 0.3867% | 3,396 |
| Noninterest expense to average assets | 2.7380% | 2,759 |
| Loan and lease loss provision to assets | 0.0418% | 3,068 |
| Net operating income to assets | 0.9859% | 3,031 |
| Return on assets (ROA) | 0.9859% | 3,110 |
| Pretax return on assets | 1.2401% | 2,853 |
| Return on Equity (ROE) | 11.3383% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.0228% | 743 |
| Net charge-offs to loans | 0.0489% | 2,138 |
| Credit loss provision to net charge-offs | 95.8333% | 2,331 |
| Earnings coverage of net charge-offs (x) | 29.4159% | 1,643 |
| Efficiency ratio | 68.1120% | 2,398 |
| Assets per employee ($millions) | 5.0248% | 2,528 |
| Cash dividends to net income (ytd only)* | 11.6025% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 2,573 |
| Loan loss allowance to noncurrent loans | 47.4344% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.2236% | 354 |
| Noncurrent loans to loans | 2.5027% | 464 |
| Net loans and leases to total assets | 87.7939% | 103 |
| Net loans and leases to deposits | 96.5310% | 953 |
| Net loans and leases to core deposits | 106.9965% | 1,112 |
| Total domestic deposits to total assets | 90.9489% | 106 |
| Equity capital to assets | 8.8017% | 4,879 |
| Core capital (leverage) ratio | 8.7934% | 4,777 |
| Tier 1 risk-based capital ratio | 14.1731% | 3,236 |
| Total risk-based capital ratio | 15.4293% | 3,141 |
| Memoranda: | ||
| Average total assets | $73,435,000 | 4,435 |
| Average earning assets | $69,194,750 | 4,412 |
| Average equity | $6,385,250 | 4,773 |
| Average total loans | $65,441,500 | 3,920 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 1,276 |
| Cost of funding earning assets | 1.2463% | 879 |
| Net interest margin | 3.8322% | 2,472 |
| Noninterest income to average assets | 0.3737% | 3,442 |
| Noninterest expense to average assets | 2.7806% | 2,661 |
| Loan and lease loss provision to assets | 0.0632% | 2,557 |
| Net operating income to assets | 0.9040% | 3,264 |
| Return on assets (ROA) | 0.9040% | 3,331 |
| Pretax return on assets | 1.1375% | 3,129 |
| Return on Equity (ROE) | 10.4406% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.4413% | 1,229 |
| Net charge-offs to loans | 0.0832% | 1,528 |
| Credit loss provision to net charge-offs | 85.1852% | 2,179 |
| Earnings coverage of net charge-offs (x) | 16.1852% | 1,946 |
| Efficiency ratio | 69.8413% | 2,248 |
| Assets per employee ($millions) | 4.6429% | 2,949 |
| Cash dividends to net income (ytd only)* | 19.1489% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,418 |
| Loan loss allowance to noncurrent loans | 47.4850% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 2.2481% | 365 |
| Noncurrent loans to loans | 2.5697% | 445 |
| Net loans and leases to total assets | 86.4174% | 188 |
| Net loans and leases to deposits | 94.8915% | 1,162 |
| Net loans and leases to core deposits | 104.9109% | 1,309 |
| Total domestic deposits to total assets | 91.0696% | 94 |
| Equity capital to assets | 8.6423% | 4,987 |
| Core capital (leverage) ratio | 8.8180% | 4,775 |
| Tier 1 risk-based capital ratio | 14.1709% | 3,233 |
| Total risk-based capital ratio | 15.4269% | 3,143 |
| Memoranda: | ||
| Average total assets | $72,789,330 | 4,476 |
| Average earning assets | $68,525,330 | 4,456 |
| Average equity | $6,302,330 | 4,811 |
| Average total loans | $64,933,000 | 3,956 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 1,167 |
| Cost of funding earning assets | 1.1908% | 928 |
| Net interest margin | 3.8790% | 2,252 |
| Noninterest income to average assets | 0.3665% | 3,402 |
| Noninterest expense to average assets | 2.7706% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9939% | 2,868 |
| Return on assets (ROA) | 0.9939% | 2,905 |
| Pretax return on assets | 1.2493% | 2,631 |
| Return on Equity (ROE) | 11.4679% | 1,752 |
| Retained earnings to average equity (ytd only) | 11.4679% | 709 |
| Net charge-offs to loans | -0.0062% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9227% | 2,513 |
| Assets per employee ($millions) | 4.5144% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,447 |
| Loan loss allowance to noncurrent loans | 48.1884% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.2927% | 371 |
| Noncurrent loans to loans | 2.5446% | 509 |
| Net loans and leases to total assets | 88.9935% | 67 |
| Net loans and leases to deposits | 100.7650% | 574 |
| Net loans and leases to core deposits | 109.8221% | 938 |
| Total domestic deposits to total assets | 88.3179% | 1,173 |
| Equity capital to assets | 8.7678% | 4,846 |
| Core capital (leverage) ratio | 8.7996% | 4,794 |
| Tier 1 risk-based capital ratio | 14.0384% | 3,324 |
| Total risk-based capital ratio | 15.2953% | 3,236 |
| Memoranda: | ||
| Average total assets | $72,041,000 | 4,533 |
| Average earning assets | $67,852,000 | 4,515 |
| Average equity | $6,243,500 | 4,853 |
| Average total loans | $64,905,000 | 3,993 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0283% | 990 |
| Cost of funding earning assets | 0.8498% | 1,305 |
| Net interest margin | 4.1785% | 1,455 |
| Noninterest income to average assets | 0.3876% | 3,513 |
| Noninterest expense to average assets | 2.9656% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0637% | 2,745 |
| Return on assets (ROA) | 1.0637% | 2,728 |
| Pretax return on assets | 1.3393% | 2,367 |
| Return on Equity (ROE) | 12.6438% | 1,489 |
| Retained earnings to average equity (ytd only) | 10.9374% | 452 |
| Net charge-offs to loans | 0.0063% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 233.2500% | 400 |
| Efficiency ratio | 68.8896% | 2,409 |
| Assets per employee ($millions) | 4.4908% | 3,192 |
| Cash dividends to net income (ytd only)* | 13.4953% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,400 |
| Loan loss allowance to noncurrent loans | 45.0028% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 2.4648% | 314 |
| Noncurrent loans to loans | 2.7359% | 407 |
| Net loans and leases to total assets | 88.9815% | 80 |
| Net loans and leases to deposits | 102.2077% | 573 |
| Net loans and leases to core deposits | 109.7201% | 1,021 |
| Total domestic deposits to total assets | 87.0595% | 1,763 |
| Equity capital to assets | 8.5648% | 4,884 |
| Core capital (leverage) ratio | 8.5733% | 4,972 |
| Tier 1 risk-based capital ratio | 13.6295% | 3,472 |
| Total risk-based capital ratio | 14.8853% | 3,387 |
| Memoranda: | ||
| Average total assets | $69,664,400 | 4,585 |
| Average earning assets | $65,310,400 | 4,572 |
| Average equity | $5,860,600 | 4,921 |
| Average total loans | $63,850,200 | 4,005 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 972 |
| Cost of funding earning assets | 0.7744% | 1,450 |
| Net interest margin | 4.2056% | 1,346 |
| Noninterest income to average assets | 0.3627% | 3,711 |
| Noninterest expense to average assets | 2.8897% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1227% | 2,564 |
| Return on assets (ROA) | 1.1227% | 2,574 |
| Pretax return on assets | 1.4121% | 2,186 |
| Return on Equity (ROE) | 13.4084% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.5560% | 410 |
| Net charge-offs to loans | 0.0084% | 3,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 183.1107% | 470 |
| Efficiency ratio | 67.1749% | 2,688 |
| Assets per employee ($millions) | 4.4856% | 3,146 |
| Cash dividends to net income (ytd only)* | 6.3571% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,481 |
| Loan loss allowance to noncurrent loans | 47.4123% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.4077% | 373 |
| Noncurrent loans to loans | 2.5851% | 496 |
| Net loans and leases to total assets | 89.4942% | 90 |
| Net loans and leases to deposits | 105.2140% | 472 |
| Net loans and leases to core deposits | 113.1607% | 860 |
| Total domestic deposits to total assets | 85.0592% | 2,585 |
| Equity capital to assets | 8.4409% | 4,962 |
| Core capital (leverage) ratio | 8.5785% | 5,051 |
| Tier 1 risk-based capital ratio | 13.2511% | 3,758 |
| Total risk-based capital ratio | 14.5066% | 3,667 |
| Memoranda: | ||
| Average total assets | $69,117,500 | 4,638 |
| Average earning assets | $64,736,750 | 4,628 |
| Average equity | $5,787,250 | 4,982 |
| Average total loans | $63,629,750 | 4,051 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9538% | 911 |
| Cost of funding earning assets | 0.7108% | 1,564 |
| Net interest margin | 4.2430% | 1,181 |
| Noninterest income to average assets | 0.3605% | 3,741 |
| Noninterest expense to average assets | 2.8520% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1754% | 2,297 |
| Return on assets (ROA) | 1.1754% | 2,295 |
| Pretax return on assets | 1.4802% | 1,888 |
| Return on Equity (ROE) | 14.0776% | 1,059 |
| Retained earnings to average equity (ytd only) | 12.7787% | 416 |
| Net charge-offs to loans | 0.0127% | 2,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 126.2500% | 594 |
| Efficiency ratio | 65.8322% | 3,014 |
| Assets per employee ($millions) | 4.3288% | 3,389 |
| Cash dividends to net income (ytd only)* | 9.2269% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,496 |
| Loan loss allowance to noncurrent loans | 42.3261% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.7187% | 297 |
| Noncurrent loans to loans | 2.9268% | 396 |
| Net loans and leases to total assets | 91.7385% | 34 |
| Net loans and leases to deposits | 111.0414% | 259 |
| Net loans and leases to core deposits | 122.5344% | 502 |
| Total domestic deposits to total assets | 82.6165% | 3,517 |
| Equity capital to assets | 8.4853% | 4,955 |
| Core capital (leverage) ratio | 8.4999% | 5,112 |
| Tier 1 risk-based capital ratio | 12.9598% | 3,913 |
| Total risk-based capital ratio | 14.2145% | 3,832 |
| Memoranda: | ||
| Average total assets | $68,233,330 | 4,705 |
| Average earning assets | $63,869,670 | 4,694 |
| Average equity | $5,697,000 | 5,051 |
| Average total loans | $63,164,000 | 4,096 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 894 |
| Cost of funding earning assets | 0.6639% | 1,634 |
| Net interest margin | 4.2238% | 1,115 |
| Noninterest income to average assets | 0.3662% | 3,692 |
| Noninterest expense to average assets | 2.9120% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1105% | 2,378 |
| Return on assets (ROA) | 1.1105% | 2,393 |
| Pretax return on assets | 1.3999% | 1,999 |
| Return on Equity (ROE) | 13.4118% | 1,156 |
| Retained earnings to average equity (ytd only) | 13.4118% | 465 |
| Net charge-offs to loans | 0.0256% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 59.2500% | 849 |
| Efficiency ratio | 67.5342% | 2,910 |
| Assets per employee ($millions) | 4.2321% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 2,325 |
| Loan loss allowance to noncurrent loans | 40.4980% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 2.9063% | 283 |
| Noncurrent loans to loans | 3.1655% | 363 |
| Net loans and leases to total assets | 90.6371% | 49 |
| Net loans and leases to deposits | 108.0224% | 317 |
| Net loans and leases to core deposits | 118.0315% | 650 |
| Total domestic deposits to total assets | 83.9058% | 3,365 |
| Equity capital to assets | 8.4192% | 5,035 |
| Core capital (leverage) ratio | 8.3562% | 5,225 |
| Tier 1 risk-based capital ratio | 13.0493% | 3,924 |
| Total risk-based capital ratio | 14.3060% | 3,829 |
| Memoranda: | ||
| Average total assets | $67,719,500 | 4,779 |
| Average earning assets | $63,261,000 | 4,769 |
| Average equity | $5,607,000 | 5,120 |
| Average total loans | $62,578,000 | 4,138 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 640 |
| Cost of funding earning assets | 0.5716% | 1,815 |
| Net interest margin | 4.4368% | 703 |
| Noninterest income to average assets | 0.4350% | 3,406 |
| Noninterest expense to average assets | 2.9449% | 2,298 |
| Loan and lease loss provision to assets | 0.1364% | 1,678 |
| Net operating income to assets | 0.9321% | 2,537 |
| Return on assets (ROA) | 0.9321% | 2,571 |
| Pretax return on assets | 1.5065% | 1,613 |
| Return on Equity (ROE) | 11.7228% | 1,283 |
| Retained earnings to average equity (ytd only) | 10.2932% | 316 |
| Net charge-offs to loans | -0.0245% | 5,010 |
| Credit loss provision to net charge-offs | -600.0000% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1890% | 3,578 |
| Assets per employee ($millions) | 4.2328% | 3,607 |
| Cash dividends to net income (ytd only)* | 12.1951% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,370 |
| Loan loss allowance to noncurrent loans | 39.1304% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 3.0299% | 264 |
| Noncurrent loans to loans | 3.2500% | 324 |
| Net loans and leases to total assets | 91.8184% | 36 |
| Net loans and leases to deposits | 107.0643% | 351 |
| Net loans and leases to core deposits | 118.3916% | 639 |
| Total domestic deposits to total assets | 85.7601% | 2,551 |
| Equity capital to assets | 8.1403% | 5,333 |
| Core capital (leverage) ratio | 8.0751% | 5,409 |
| Tier 1 risk-based capital ratio | 12.2686% | 4,354 |
| Total risk-based capital ratio | 13.5259% | 4,257 |
| Memoranda: | ||
| Average total assets | $65,979,400 | 4,847 |
| Average earning assets | $61,755,600 | 4,820 |
| Average equity | $5,246,200 | 5,227 |
| Average total loans | $61,227,000 | 4,173 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 758 |
| Cost of funding earning assets | 0.5639% | 1,786 |
| Net interest margin | 4.3376% | 845 |
| Noninterest income to average assets | 0.4435% | 3,379 |
| Noninterest expense to average assets | 2.9252% | 2,321 |
| Loan and lease loss provision to assets | 0.1831% | 1,080 |
| Net operating income to assets | 0.9398% | 2,830 |
| Return on assets (ROA) | 0.9398% | 2,893 |
| Pretax return on assets | 1.4036% | 2,104 |
| Return on Equity (ROE) | 11.8927% | 1,368 |
| Retained earnings to average equity (ytd only) | 10.9146% | 423 |
| Net charge-offs to loans | 0.1755% | 1,200 |
| Credit loss provision to net charge-offs | 112.5000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 9.7503% | 2,662 |
| Efficiency ratio | 64.8332% | 3,396 |
| Assets per employee ($millions) | 4.2058% | 3,630 |
| Cash dividends to net income (ytd only)* | 8.2259% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,291 |
| Loan loss allowance to noncurrent loans | 31.3778% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 3.3808% | 245 |
| Noncurrent loans to loans | 3.6120% | 296 |
| Net loans and leases to total assets | 91.5220% | 43 |
| Net loans and leases to deposits | 106.1881% | 411 |
| Net loans and leases to core deposits | 118.0619% | 654 |
| Total domestic deposits to total assets | 86.1886% | 2,236 |
| Equity capital to assets | 8.0203% | 5,512 |
| Core capital (leverage) ratio | 8.0838% | 5,485 |
| Tier 1 risk-based capital ratio | 12.2598% | 4,462 |
| Total risk-based capital ratio | 13.5137% | 4,358 |
| Memoranda: | ||
| Average total assets | $65,543,000 | 4,909 |
| Average earning assets | $61,477,000 | 4,878 |
| Average equity | $5,179,500 | 5,296 |
| Average total loans | $60,787,500 | 4,222 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 733 |
| Cost of funding earning assets | 0.5501% | 1,777 |
| Net interest margin | 4.3290% | 804 |
| Noninterest income to average assets | 0.4680% | 3,232 |
| Noninterest expense to average assets | 3.0265% | 2,049 |
| Loan and lease loss provision to assets | 0.2771% | 575 |
| Net operating income to assets | 0.8251% | 3,269 |
| Return on assets (ROA) | 0.8251% | 3,327 |
| Pretax return on assets | 1.2346% | 2,639 |
| Return on Equity (ROE) | 10.4954% | 1,830 |
| Retained earnings to average equity (ytd only) | 9.0072% | 840 |
| Net charge-offs to loans | 0.2687% | 757 |
| Credit loss provision to net charge-offs | 111.1111% | 1,871 |
| Earnings coverage of net charge-offs (x) | 6.0617% | 2,750 |
| Efficiency ratio | 66.6893% | 3,229 |
| Assets per employee ($millions) | 4.1274% | 3,741 |
| Cash dividends to net income (ytd only)* | 14.1791% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 3,202 |
| Loan loss allowance to noncurrent loans | 32.7298% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 3.2996% | 255 |
| Noncurrent loans to loans | 3.5681% | 310 |
| Net loans and leases to total assets | 90.3465% | 70 |
| Net loans and leases to deposits | 102.5843% | 572 |
| Net loans and leases to core deposits | 117.7505% | 649 |
| Total domestic deposits to total assets | 88.0705% | 1,421 |
| Equity capital to assets | 7.8788% | 5,582 |
| Core capital (leverage) ratio | 7.9451% | 5,557 |
| Tier 1 risk-based capital ratio | 12.2591% | 4,453 |
| Total risk-based capital ratio | 13.5149% | 4,334 |
| Memoranda: | ||
| Average total assets | $64,960,000 | 4,954 |
| Average earning assets | $61,076,330 | 4,921 |
| Average equity | $5,107,000 | 5,346 |
| Average total loans | $60,285,670 | 4,256 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 620 |
| Cost of funding earning assets | 0.5475% | 1,733 |
| Net interest margin | 4.3600% | 686 |
| Noninterest income to average assets | 0.4533% | 3,295 |
| Noninterest expense to average assets | 3.1356% | 1,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0680% | 1,999 |
| Return on assets (ROA) | 1.0680% | 2,040 |
| Pretax return on assets | 1.4219% | 1,806 |
| Return on Equity (ROE) | 13.5995% | 882 |
| Retained earnings to average equity (ytd only) | 13.5995% | 325 |
| Net charge-offs to loans | -0.0598% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8011% | 3,079 |
| Assets per employee ($millions) | 4.0269% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 3,260 |
| Loan loss allowance to noncurrent loans | 30.2705% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 3.7063% | 221 |
| Noncurrent loans to loans | 3.8960% | 273 |
| Net loans and leases to total assets | 91.6872% | 25 |
| Net loans and leases to deposits | 104.6483% | 375 |
| Net loans and leases to core deposits | 120.0980% | 461 |
| Total domestic deposits to total assets | 87.6147% | 1,933 |
| Equity capital to assets | 7.9853% | 5,527 |
| Core capital (leverage) ratio | 7.8312% | 5,618 |
| Tier 1 risk-based capital ratio | 12.3307% | 4,489 |
| Total risk-based capital ratio | 13.5866% | 4,392 |
| Memoranda: | ||
| Average total assets | $64,421,000 | 5,024 |
| Average earning assets | $60,642,500 | 4,981 |
| Average equity | $5,059,000 | 5,409 |
| Average total loans | $60,244,500 | 4,297 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 581 |
| Cost of funding earning assets | 0.4938% | 2,136 |
| Net interest margin | 4.5143% | 601 |
| Noninterest income to average assets | 0.4762% | 3,369 |
| Noninterest expense to average assets | 3.2014% | 1,786 |
| Loan and lease loss provision to assets | 0.2811% | 709 |
| Net operating income to assets | 0.8334% | 3,137 |
| Return on assets (ROA) | 0.8334% | 3,248 |
| Pretax return on assets | 1.2419% | 2,507 |
| Return on Equity (ROE) | 10.5386% | 1,754 |
| Retained earnings to average equity (ytd only) | 8.9704% | 597 |
| Net charge-offs to loans | 0.1267% | 1,980 |
| Credit loss provision to net charge-offs | 236.1111% | 1,223 |
| Earnings coverage of net charge-offs (x) | 12.7917% | 2,420 |
| Efficiency ratio | 67.7634% | 3,286 |
| Assets per employee ($millions) | 3.5784% | 4,644 |
| Cash dividends to net income (ytd only)* | 14.8810% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 3,452 |
| Loan loss allowance to noncurrent loans | 35.0983% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 3.1703% | 299 |
| Noncurrent loans to loans | 3.2664% | 381 |
| Net loans and leases to total assets | 93.1720% | 18 |
| Net loans and leases to deposits | 110.5090% | 214 |
| Net loans and leases to core deposits | 124.9802% | 364 |
| Total domestic deposits to total assets | 84.3117% | 3,314 |
| Equity capital to assets | 7.7207% | 5,658 |
| Core capital (leverage) ratio | 7.6469% | 5,716 |
| Tier 1 risk-based capital ratio | 11.8270% | 4,837 |
| Total risk-based capital ratio | 13.0827% | 4,736 |
| Memoranda: | ||
| Average total assets | $60,474,000 | 5,126 |
| Average earning assets | $56,908,200 | 5,105 |
| Average equity | $4,782,400 | 5,507 |
| Average total loans | $56,847,600 | 4,383 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 608 |
| Cost of funding earning assets | 0.4789% | 2,275 |
| Net interest margin | 4.5153% | 605 |
| Noninterest income to average assets | 0.4841% | 3,359 |
| Noninterest expense to average assets | 3.1355% | 1,942 |
| Loan and lease loss provision to assets | 0.1905% | 1,141 |
| Net operating income to assets | 0.9368% | 2,719 |
| Return on assets (ROA) | 0.9368% | 2,845 |
| Pretax return on assets | 1.4053% | 2,020 |
| Return on Equity (ROE) | 11.7708% | 1,397 |
| Retained earnings to average equity (ytd only) | 10.7007% | 459 |
| Net charge-offs to loans | 0.0167% | 3,388 |
| Credit loss provision to net charge-offs | 1,214.2857% | 344 |
| Earnings coverage of net charge-offs (x) | 101.7481% | 647 |
| Efficiency ratio | 66.2719% | 3,546 |
| Assets per employee ($millions) | 3.7817% | 4,338 |
| Cash dividends to net income (ytd only)* | 9.0917% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 3,711 |
| Loan loss allowance to noncurrent loans | 39.1884% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 2.7765% | 454 |
| Noncurrent loans to loans | 2.8676% | 555 |
| Net loans and leases to total assets | 92.5182% | 19 |
| Net loans and leases to deposits | 110.7204% | 245 |
| Net loans and leases to core deposits | 125.4117% | 383 |
| Total domestic deposits to total assets | 83.5602% | 3,372 |
| Equity capital to assets | 7.6592% | 5,817 |
| Core capital (leverage) ratio | 7.8587% | 5,737 |
| Tier 1 risk-based capital ratio | 11.7280% | 4,966 |
| Total risk-based capital ratio | 12.9832% | 4,862 |
| Memoranda: | ||
| Average total assets | $59,489,750 | 5,197 |
| Average earning assets | $55,956,250 | 5,173 |
| Average equity | $4,734,750 | 5,575 |
| Average total loans | $55,882,250 | 4,443 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 590 |
| Cost of funding earning assets | 0.4689% | 2,384 |
| Net interest margin | 4.5349% | 574 |
| Noninterest income to average assets | 0.4491% | 3,531 |
| Noninterest expense to average assets | 3.1715% | 1,882 |
| Loan and lease loss provision to assets | 0.0864% | 2,416 |
| Net operating income to assets | 0.9777% | 2,483 |
| Return on assets (ROA) | 0.9777% | 2,629 |
| Pretax return on assets | 1.4683% | 1,779 |
| Return on Equity (ROE) | 12.1156% | 1,274 |
| Retained earnings to average equity (ytd only) | 10.4888% | 507 |
| Net charge-offs to loans | 0.0294% | 2,889 |
| Credit loss provision to net charge-offs | 312.5000% | 934 |
| Earnings coverage of net charge-offs (x) | 56.2500% | 916 |
| Efficiency ratio | 67.1053% | 3,518 |
| Assets per employee ($millions) | 3.4553% | 4,826 |
| Cash dividends to net income (ytd only)* | 13.4276% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,934 |
| Loan loss allowance to noncurrent loans | 41.1647% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 2.6456% | 498 |
| Noncurrent loans to loans | 2.6780% | 615 |
| Net loans and leases to total assets | 93.9258% | 9 |
| Net loans and leases to deposits | 110.7871% | 234 |
| Net loans and leases to core deposits | 119.3837% | 532 |
| Total domestic deposits to total assets | 84.7804% | 2,970 |
| Equity capital to assets | 8.1529% | 5,757 |
| Core capital (leverage) ratio | 8.1285% | 5,650 |
| Tier 1 risk-based capital ratio | 12.2905% | 4,650 |
| Total risk-based capital ratio | 13.5455% | 4,571 |
| Memoranda: | ||
| Average total assets | $57,890,000 | 5,292 |
| Average earning assets | $54,598,330 | 5,258 |
| Average equity | $4,671,670 | 5,651 |
| Average total loans | $54,458,000 | 4,520 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 608 |
| Cost of funding earning assets | 0.4579% | 2,493 |
| Net interest margin | 4.5204% | 583 |
| Noninterest income to average assets | 0.4664% | 3,360 |
| Noninterest expense to average assets | 3.2159% | 1,803 |
| Loan and lease loss provision to assets | 0.0696% | 2,558 |
| Net operating income to assets | 0.9606% | 2,456 |
| Return on assets (ROA) | 0.9606% | 2,575 |
| Pretax return on assets | 1.4409% | 1,774 |
| Return on Equity (ROE) | 11.9662% | 1,323 |
| Retained earnings to average equity (ytd only) | 11.9662% | 511 |
| Net charge-offs to loans | 0.0744% | 1,741 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 21.7000% | 1,426 |
| Efficiency ratio | 68.0412% | 3,461 |
| Assets per employee ($millions) | 3.3989% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,984 |
| Loan loss allowance to noncurrent loans | 43.0526% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 2.5077% | 589 |
| Noncurrent loans to loans | 2.5844% | 711 |
| Net loans and leases to total assets | 91.9802% | 32 |
| Net loans and leases to deposits | 107.3198% | 299 |
| Net loans and leases to core deposits | 115.1062% | 626 |
| Total domestic deposits to total assets | 85.7066% | 2,806 |
| Equity capital to assets | 8.1029% | 5,780 |
| Core capital (leverage) ratio | 8.0278% | 5,756 |
| Tier 1 risk-based capital ratio | 12.4115% | 4,642 |
| Total risk-based capital ratio | 13.6654% | 4,542 |
| Memoranda: | ||
| Average total assets | $57,465,000 | 5,349 |
| Average earning assets | $54,155,000 | 5,317 |
| Average equity | $4,613,000 | 5,703 |
| Average total loans | $53,793,500 | 4,557 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0492% | 572 |
| Cost of funding earning assets | 0.3795% | 3,375 |
| Net interest margin | 4.6696% | 480 |
| Noninterest income to average assets | 0.5180% | 3,208 |
| Noninterest expense to average assets | 3.4016% | 1,483 |
| Loan and lease loss provision to assets | 0.2281% | 880 |
| Net operating income to assets | 0.8565% | 3,080 |
| Return on assets (ROA) | 0.8565% | 3,153 |
| Pretax return on assets | 1.2828% | 2,343 |
| Return on Equity (ROE) | 10.5642% | 1,775 |
| Retained earnings to average equity (ytd only) | 8.8342% | 694 |
| Net charge-offs to loans | 0.0561% | 3,096 |
| Credit loss provision to net charge-offs | 435.7143% | 707 |
| Earnings coverage of net charge-offs (x) | 28.8571% | 1,492 |
| Efficiency ratio | 69.2425% | 3,354 |
| Assets per employee ($millions) | 3.3616% | 5,047 |
| Cash dividends to net income (ytd only)* | 16.3755% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,985 |
| Loan loss allowance to noncurrent loans | 36.3968% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.9817% | 439 |
| Noncurrent loans to loans | 3.0516% | 517 |
| Net loans and leases to total assets | 93.1669% | 15 |
| Net loans and leases to deposits | 113.3288% | 176 |
| Net loans and leases to core deposits | 118.1104% | 540 |
| Total domestic deposits to total assets | 82.2094% | 4,109 |
| Equity capital to assets | 7.9513% | 5,869 |
| Core capital (leverage) ratio | 7.8608% | 5,887 |
| Tier 1 risk-based capital ratio | 11.6393% | 5,170 |
| Total risk-based capital ratio | 12.8919% | 5,081 |
| Memoranda: | ||
| Average total assets | $53,474,800 | 5,472 |
| Average earning assets | $50,325,200 | 5,428 |
| Average equity | $4,335,400 | 5,794 |
| Average total loans | $49,905,000 | 4,674 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 590 |
| Cost of funding earning assets | 0.3715% | 3,532 |
| Net interest margin | 4.6517% | 496 |
| Noninterest income to average assets | 0.5099% | 3,299 |
| Noninterest expense to average assets | 3.4146% | 1,449 |
| Loan and lease loss provision to assets | 0.2588% | 646 |
| Net operating income to assets | 0.8118% | 3,377 |
| Return on assets (ROA) | 0.8118% | 3,467 |
| Pretax return on assets | 1.2202% | 2,732 |
| Return on Equity (ROE) | 9.9611% | 2,120 |
| Retained earnings to average equity (ytd only) | 8.8092% | 971 |
| Net charge-offs to loans | 0.0709% | 2,551 |
| Credit loss provision to net charge-offs | 392.3077% | 775 |
| Earnings coverage of net charge-offs (x) | 22.4202% | 1,779 |
| Efficiency ratio | 69.7771% | 3,243 |
| Assets per employee ($millions) | 3.2998% | 5,130 |
| Cash dividends to net income (ytd only)* | 11.5619% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 4,188 |
| Loan loss allowance to noncurrent loans | 43.7736% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 2.4636% | 711 |
| Noncurrent loans to loans | 2.5291% | 810 |
| Net loans and leases to total assets | 92.3597% | 23 |
| Net loans and leases to deposits | 111.3784% | 228 |
| Net loans and leases to core deposits | 116.1708% | 583 |
| Total domestic deposits to total assets | 82.9242% | 3,838 |
| Equity capital to assets | 7.9220% | 5,984 |
| Core capital (leverage) ratio | 8.0716% | 5,863 |
| Tier 1 risk-based capital ratio | 11.7781% | 5,221 |
| Total risk-based capital ratio | 13.0317% | 5,132 |
| Memoranda: | ||
| Average total assets | $52,556,500 | 5,563 |
| Average earning assets | $49,529,000 | 5,516 |
| Average equity | $4,283,250 | 5,883 |
| Average total loans | $48,921,000 | 4,757 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 644 |
| Cost of funding earning assets | 0.3591% | 3,717 |
| Net interest margin | 4.5975% | 534 |
| Noninterest income to average assets | 0.5294% | 3,174 |
| Noninterest expense to average assets | 3.5113% | 1,284 |
| Loan and lease loss provision to assets | 0.2608% | 650 |
| Net operating income to assets | 0.7046% | 3,874 |
| Return on assets (ROA) | 0.7046% | 3,991 |
| Pretax return on assets | 1.0939% | 3,199 |
| Return on Equity (ROE) | 8.5586% | 2,771 |
| Retained earnings to average equity (ytd only) | 6.8090% | 1,787 |
| Net charge-offs to loans | 0.1214% | 1,796 |
| Credit loss provision to net charge-offs | 231.0345% | 1,104 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,248 |
| Efficiency ratio | 72.1600% | 2,983 |
| Assets per employee ($millions) | 3.1162% | 5,445 |
| Cash dividends to net income (ytd only)* | 20.4420% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 4,338 |
| Loan loss allowance to noncurrent loans | 45.7770% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 2.2822% | 894 |
| Noncurrent loans to loans | 2.3963% | 957 |
| Net loans and leases to total assets | 92.2454% | 26 |
| Net loans and leases to deposits | 110.9907% | 241 |
| Net loans and leases to core deposits | 116.0847% | 588 |
| Total domestic deposits to total assets | 83.1109% | 3,905 |
| Equity capital to assets | 8.1265% | 5,924 |
| Core capital (leverage) ratio | 8.1963% | 5,792 |
| Tier 1 risk-based capital ratio | 12.0578% | 5,103 |
| Total risk-based capital ratio | 13.3126% | 5,001 |
| Memoranda: | ||
| Average total assets | $51,376,330 | 5,649 |
| Average earning assets | $48,460,670 | 5,597 |
| Average equity | $4,229,670 | 5,953 |
| Average total loans | $47,764,330 | 4,824 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 628 |
| Cost of funding earning assets | 0.3442% | 3,936 |
| Net interest margin | 4.6006% | 496 |
| Noninterest income to average assets | 0.5220% | 3,141 |
| Noninterest expense to average assets | 3.6617% | 1,054 |
| Loan and lease loss provision to assets | 0.4508% | 241 |
| Net operating income to assets | 0.4903% | 4,734 |
| Return on assets (ROA) | 0.4903% | 4,853 |
| Pretax return on assets | 0.7434% | 4,454 |
| Return on Equity (ROE) | 5.9160% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.9160% | 2,544 |
| Net charge-offs to loans | 0.2642% | 907 |
| Credit loss provision to net charge-offs | 183.8710% | 1,111 |
| Earnings coverage of net charge-offs (x) | 4.8710% | 2,443 |
| Efficiency ratio | 75.4072% | 2,600 |
| Assets per employee ($millions) | 3.0179% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 4,439 |
| Loan loss allowance to noncurrent loans | 45.9670% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 2.2961% | 977 |
| Noncurrent loans to loans | 2.4213% | 1,010 |
| Net loans and leases to total assets | 91.7844% | 28 |
| Net loans and leases to deposits | 110.7791% | 213 |
| Net loans and leases to core deposits | 116.8457% | 494 |
| Total domestic deposits to total assets | 82.8535% | 4,218 |
| Equity capital to assets | 8.2312% | 5,916 |
| Core capital (leverage) ratio | 8.3215% | 5,704 |
| Tier 1 risk-based capital ratio | 12.2091% | 5,102 |
| Total risk-based capital ratio | 13.4609% | 5,014 |
| Memoranda: | ||
| Average total assets | $50,577,000 | 5,711 |
| Average earning assets | $47,645,500 | 5,667 |
| Average equity | $4,192,000 | 6,015 |
| Average total loans | $46,942,000 | 4,885 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 789 |
| Cost of funding earning assets | 0.3401% | 4,367 |
| Net interest margin | 4.6514% | 565 |
| Noninterest income to average assets | 0.4366% | 3,923 |
| Noninterest expense to average assets | 3.5980% | 1,310 |
| Loan and lease loss provision to assets | 0.2425% | 966 |
| Net operating income to assets | 0.6412% | 4,187 |
| Return on assets (ROA) | 0.6412% | 4,287 |
| Pretax return on assets | 0.9512% | 3,685 |
| Return on Equity (ROE) | 7.5177% | 3,364 |
| Retained earnings to average equity (ytd only) | 5.6630% | 2,158 |
| Net charge-offs to loans | 0.0745% | 3,421 |
| Credit loss provision to net charge-offs | 359.3750% | 730 |
| Earnings coverage of net charge-offs (x) | 17.6875% | 1,901 |
| Efficiency ratio | 75.0880% | 2,653 |
| Assets per employee ($millions) | 2.9323% | 5,786 |
| Cash dividends to net income (ytd only)* | 24.6711% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 4,590 |
| Loan loss allowance to noncurrent loans | 57.4686% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.8095% | 1,443 |
| Noncurrent loans to loans | 1.8956% | 1,488 |
| Net loans and leases to total assets | 91.7972% | 30 |
| Net loans and leases to deposits | 108.7789% | 275 |
| Net loans and leases to core deposits | 114.8912% | 559 |
| Total domestic deposits to total assets | 84.3889% | 3,561 |
| Equity capital to assets | 8.3472% | 5,864 |
| Core capital (leverage) ratio | 8.3712% | 5,700 |
| Tier 1 risk-based capital ratio | 12.7615% | 4,878 |
| Total risk-based capital ratio | 14.0158% | 4,786 |
| Memoranda: | ||
| Average total assets | $47,414,600 | 5,846 |
| Average earning assets | $44,394,800 | 5,821 |
| Average equity | $4,043,800 | 6,083 |
| Average total loans | $42,937,400 | 5,073 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 874 |
| Cost of funding earning assets | 0.3439% | 4,411 |
| Net interest margin | 4.5859% | 637 |
| Noninterest income to average assets | 0.3960% | 4,280 |
| Noninterest expense to average assets | 3.5749% | 1,337 |
| Loan and lease loss provision to assets | 0.2991% | 660 |
| Net operating income to assets | 0.5441% | 4,696 |
| Return on assets (ROA) | 0.5441% | 4,775 |
| Pretax return on assets | 0.8147% | 4,316 |
| Return on Equity (ROE) | 6.3435% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.1147% | 3,009 |
| Net charge-offs to loans | 0.1013% | 2,785 |
| Credit loss provision to net charge-offs | 328.1250% | 850 |
| Earnings coverage of net charge-offs (x) | 12.2175% | 2,342 |
| Efficiency ratio | 76.2454% | 2,454 |
| Assets per employee ($millions) | 2.8626% | 5,899 |
| Cash dividends to net income (ytd only)* | 19.3709% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 4,794 |
| Loan loss allowance to noncurrent loans | 66.3978% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5802% | 1,932 |
| Noncurrent loans to loans | 1.6422% | 1,984 |
| Net loans and leases to total assets | 92.0804% | 26 |
| Net loans and leases to deposits | 105.6018% | 349 |
| Net loans and leases to core deposits | 111.4843% | 683 |
| Total domestic deposits to total assets | 87.1959% | 2,202 |
| Equity capital to assets | 8.3964% | 5,877 |
| Core capital (leverage) ratio | 8.5088% | 5,651 |
| Tier 1 risk-based capital ratio | 12.7449% | 5,015 |
| Total risk-based capital ratio | 13.9988% | 4,918 |
| Memoranda: | ||
| Average total assets | $46,806,000 | 5,937 |
| Average earning assets | $43,814,500 | 5,904 |
| Average equity | $4,014,500 | 6,154 |
| Average total loans | $42,105,750 | 5,159 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 987 |
| Cost of funding earning assets | 0.3515% | 4,422 |
| Net interest margin | 4.4998% | 704 |
| Noninterest income to average assets | 0.4460% | 3,900 |
| Noninterest expense to average assets | 3.5681% | 1,354 |
| Loan and lease loss provision to assets | 0.1472% | 1,677 |
| Net operating income to assets | 0.6192% | 4,253 |
| Return on assets (ROA) | 0.6192% | 4,353 |
| Pretax return on assets | 0.9440% | 3,706 |
| Return on Equity (ROE) | 7.1667% | 3,535 |
| Retained earnings to average equity (ytd only) | 5.3124% | 2,749 |
| Net charge-offs to loans | 0.0292% | 3,609 |
| Credit loss provision to net charge-offs | 566.6667% | 533 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,020 |
| Efficiency ratio | 76.5799% | 2,526 |
| Assets per employee ($millions) | 2.9515% | 5,818 |
| Cash dividends to net income (ytd only)* | 25.8741% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 5,143 |
| Loan loss allowance to noncurrent loans | 59.1568% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.7279% | 1,887 |
| Noncurrent loans to loans | 1.7673% | 1,947 |
| Net loans and leases to total assets | 89.9945% | 50 |
| Net loans and leases to deposits | 101.0774% | 502 |
| Net loans and leases to core deposits | 106.7975% | 844 |
| Total domestic deposits to total assets | 89.0352% | 1,332 |
| Equity capital to assets | 8.5507% | 5,761 |
| Core capital (leverage) ratio | 8.8226% | 5,257 |
| Tier 1 risk-based capital ratio | 13.2524% | 4,754 |
| Total risk-based capital ratio | 14.5061% | 4,686 |
| Memoranda: | ||
| Average total assets | $46,186,670 | 6,001 |
| Average earning assets | $43,246,330 | 5,969 |
| Average equity | $3,990,670 | 6,206 |
| Average total loans | $41,039,670 | 5,229 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 1,020 |
| Cost of funding earning assets | 0.3737% | 4,268 |
| Net interest margin | 4.4378% | 742 |
| Noninterest income to average assets | 0.4292% | 3,953 |
| Noninterest expense to average assets | 3.6524% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6131% | 4,138 |
| Return on assets (ROA) | 0.6131% | 4,212 |
| Pretax return on assets | 0.9372% | 3,567 |
| Return on Equity (ROE) | 7.0582% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.0582% | 2,021 |
| Net charge-offs to loans | 0.0200% | 3,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 53.5000% | 721 |
| Efficiency ratio | 79.5802% | 2,264 |
| Assets per employee ($millions) | 3.0125% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 5,413 |
| Loan loss allowance to noncurrent loans | 52.2444% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 1.9009% | 1,814 |
| Noncurrent loans to loans | 1.9657% | 1,908 |
| Net loans and leases to total assets | 89.3622% | 55 |
| Net loans and leases to deposits | 98.2315% | 524 |
| Net loans and leases to core deposits | 103.9756% | 858 |
| Total domestic deposits to total assets | 90.9711% | 579 |
| Equity capital to assets | 8.8563% | 5,266 |
| Core capital (leverage) ratio | 8.8624% | 5,186 |
| Tier 1 risk-based capital ratio | 13.7696% | 4,490 |
| Total risk-based capital ratio | 15.0220% | 4,447 |
| Memoranda: | ||
| Average total assets | $45,668,000 | 6,079 |
| Average earning assets | $42,814,000 | 6,032 |
| Average equity | $3,967,000 | 6,255 |
| Average total loans | $40,085,500 | 5,318 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7985% | 1,319 |
| Cost of funding earning assets | 0.4775% | 3,844 |
| Net interest margin | 4.3210% | 1,054 |
| Noninterest income to average assets | 0.2796% | 5,355 |
| Noninterest expense to average assets | 3.6079% | 1,431 |
| Loan and lease loss provision to assets | 0.0178% | 4,776 |
| Net operating income to assets | 0.4615% | 4,908 |
| Return on assets (ROA) | 0.4615% | 5,036 |
| Pretax return on assets | 0.6701% | 4,636 |
| Return on Equity (ROE) | 5.3775% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.4385% | 3,788 |
| Net charge-offs to loans | 0.0107% | 5,237 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 560 |
| Efficiency ratio | 83.9876% | 1,627 |
| Assets per employee ($millions) | 3.0765% | 5,715 |
| Cash dividends to net income (ytd only)* | 36.0577% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 5,279 |
| Loan loss allowance to noncurrent loans | 50.9685% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 1.9134% | 1,888 |
| Noncurrent loans to loans | 2.0980% | 1,887 |
| Net loans and leases to total assets | 84.4024% | 226 |
| Net loans and leases to deposits | 92.5288% | 1,002 |
| Net loans and leases to core deposits | 97.8668% | 1,309 |
| Total domestic deposits to total assets | 91.2174% | 497 |
| Equity capital to assets | 8.5204% | 5,560 |
| Core capital (leverage) ratio | 8.5237% | 5,639 |
| Tier 1 risk-based capital ratio | 13.9087% | 4,357 |
| Total risk-based capital ratio | 15.1609% | 4,292 |
| Memoranda: | ||
| Average total assets | $45,067,600 | 6,148 |
| Average earning assets | $41,888,000 | 6,115 |
| Average equity | $3,868,000 | 6,356 |
| Average total loans | $37,242,600 | 5,454 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 1,328 |
| Cost of funding earning assets | 0.4980% | 3,783 |
| Net interest margin | 4.3119% | 1,068 |
| Noninterest income to average assets | 0.2173% | 5,878 |
| Noninterest expense to average assets | 3.5864% | 1,424 |
| Loan and lease loss provision to assets | 0.0238% | 4,531 |
| Net operating income to assets | 0.4197% | 5,162 |
| Return on assets (ROA) | 0.4197% | 5,310 |
| Pretax return on assets | 0.6012% | 5,004 |
| Return on Equity (ROE) | 4.8806% | 4,784 |
| Retained earnings to average equity (ytd only) | 3.5652% | 4,163 |
| Net charge-offs to loans | 0.0145% | 4,841 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 52.5310% | 837 |
| Efficiency ratio | 85.1590% | 1,449 |
| Assets per employee ($millions) | 3.0095% | 5,832 |
| Cash dividends to net income (ytd only)* | 26.9521% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 5,267 |
| Loan loss allowance to noncurrent loans | 53.1566% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 2.7668% | 1,358 |
| Noncurrent loans to loans | 2.0997% | 2,129 |
| Net loans and leases to total assets | 82.6219% | 321 |
| Net loans and leases to deposits | 90.7560% | 1,084 |
| Net loans and leases to core deposits | 96.1685% | 1,382 |
| Total domestic deposits to total assets | 91.0374% | 516 |
| Equity capital to assets | 8.6436% | 5,575 |
| Core capital (leverage) ratio | 8.6110% | 5,643 |
| Tier 1 risk-based capital ratio | 13.9089% | 4,492 |
| Total risk-based capital ratio | 15.1636% | 4,444 |
| Memoranda: | ||
| Average total assets | $44,797,500 | 6,223 |
| Average earning assets | $41,496,250 | 6,198 |
| Average equity | $3,852,000 | 6,440 |
| Average total loans | $36,710,500 | 5,522 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 1,368 |
| Cost of funding earning assets | 0.5159% | 3,741 |
| Net interest margin | 4.2672% | 1,096 |
| Noninterest income to average assets | 0.4521% | 4,148 |
| Noninterest expense to average assets | 3.6390% | 1,355 |
| Loan and lease loss provision to assets | 0.0358% | 4,232 |
| Net operating income to assets | 0.5013% | 4,788 |
| Return on assets (ROA) | 0.5013% | 4,961 |
| Pretax return on assets | 0.7385% | 4,546 |
| Return on Equity (ROE) | 5.8404% | 4,259 |
| Retained earnings to average equity (ytd only) | 3.8589% | 3,844 |
| Net charge-offs to loans | -0.0165% | 5,903 |
| Credit loss provision to net charge-offs | -266.6667% | 5,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4544% | 1,827 |
| Assets per employee ($millions) | 2.9690% | 5,899 |
| Cash dividends to net income (ytd only)* | 33.9286% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 5,237 |
| Loan loss allowance to noncurrent loans | 44.7699% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 3.3636% | 1,160 |
| Noncurrent loans to loans | 2.5708% | 1,788 |
| Net loans and leases to total assets | 82.5396% | 319 |
| Net loans and leases to deposits | 90.7876% | 1,073 |
| Net loans and leases to core deposits | 95.5698% | 1,391 |
| Total domestic deposits to total assets | 90.9150% | 577 |
| Equity capital to assets | 8.6965% | 5,556 |
| Core capital (leverage) ratio | 8.6063% | 5,550 |
| Tier 1 risk-based capital ratio | 14.2910% | 4,235 |
| Total risk-based capital ratio | 15.5456% | 4,180 |
| Memoranda: | ||
| Average total assets | $44,682,330 | 6,269 |
| Average earning assets | $41,479,000 | 6,241 |
| Average equity | $3,835,330 | 6,488 |
| Average total loans | $36,374,330 | 5,563 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 1,652 |
| Cost of funding earning assets | 0.5295% | 3,784 |
| Net interest margin | 4.1305% | 1,374 |
| Noninterest income to average assets | 0.4201% | 4,312 |
| Noninterest expense to average assets | 3.7626% | 1,159 |
| Loan and lease loss provision to assets | 0.0715% | 3,438 |
| Net operating income to assets | 0.3128% | 5,526 |
| Return on assets (ROA) | 0.3128% | 5,652 |
| Pretax return on assets | 0.4201% | 5,500 |
| Return on Equity (ROE) | 3.6683% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.6683% | 4,034 |
| Net charge-offs to loans | -0.0334% | 5,947 |
| Credit loss provision to net charge-offs | -266.6667% | 5,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4454% | 1,278 |
| Assets per employee ($millions) | 2.7723% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 5,217 |
| Loan loss allowance to noncurrent loans | 37.4126% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 3.8011% | 1,087 |
| Noncurrent loans to loans | 3.1855% | 1,545 |
| Net loans and leases to total assets | 80.0005% | 423 |
| Net loans and leases to deposits | 87.8342% | 1,165 |
| Net loans and leases to core deposits | 93.2932% | 1,395 |
| Total domestic deposits to total assets | 91.0813% | 497 |
| Equity capital to assets | 8.6437% | 5,866 |
| Core capital (leverage) ratio | 8.4962% | 5,597 |
| Tier 1 risk-based capital ratio | 14.9649% | 3,862 |
| Total risk-based capital ratio | 16.2217% | 3,817 |
| Memoranda: | ||
| Average total assets | $44,756,000 | 6,322 |
| Average earning assets | $41,545,000 | 6,295 |
| Average equity | $3,816,500 | 6,553 |
| Average total loans | $35,968,000 | 5,620 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3030% | 924 |
| Cost of funding earning assets | 0.5839% | 4,501 |
| Net interest margin | 4.7192% | 632 |
| Noninterest income to average assets | 0.5114% | 3,823 |
| Noninterest expense to average assets | 3.9014% | 1,098 |
| Loan and lease loss provision to assets | 0.1501% | 3,729 |
| Net operating income to assets | 0.5748% | 4,360 |
| Return on assets (ROA) | 0.5748% | 4,616 |
| Pretax return on assets | 0.8211% | 4,220 |
| Return on Equity (ROE) | 6.5920% | 3,864 |
| Retained earnings to average equity (ytd only) | 4.5741% | 3,005 |
| Net charge-offs to loans | 0.1293% | 4,389 |
| Credit loss provision to net charge-offs | 136.1702% | 2,035 |
| Earnings coverage of net charge-offs (x) | 8.8085% | 2,348 |
| Efficiency ratio | 80.0674% | 2,134 |
| Assets per employee ($millions) | 2.8223% | 6,285 |
| Cash dividends to net income (ytd only)* | 30.6122% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 5,314 |
| Loan loss allowance to noncurrent loans | 59.2330% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.7593% | 1,743 |
| Noncurrent loans to loans | 1.9543% | 2,743 |
| Net loans and leases to total assets | 78.8511% | 582 |
| Net loans and leases to deposits | 86.4412% | 1,453 |
| Net loans and leases to core deposits | 91.7042% | 1,656 |
| Total domestic deposits to total assets | 91.2193% | 424 |
| Equity capital to assets | 8.4131% | 6,115 |
| Core capital (leverage) ratio | 8.4958% | 5,614 |
| Tier 1 risk-based capital ratio | 14.8480% | 3,804 |
| Total risk-based capital ratio | 16.1026% | 3,757 |
| Memoranda: | ||
| Average total assets | $42,625,600 | 6,409 |
| Average earning assets | $39,392,600 | 6,380 |
| Average equity | $3,716,600 | 6,631 |
| Average total loans | $36,355,800 | 5,666 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4486% | 753 |
| Cost of funding earning assets | 0.5920% | 4,732 |
| Net interest margin | 4.8566% | 517 |
| Noninterest income to average assets | 0.5302% | 3,745 |
| Noninterest expense to average assets | 3.9593% | 990 |
| Loan and lease loss provision to assets | 0.2032% | 3,047 |
| Net operating income to assets | 0.5842% | 4,460 |
| Return on assets (ROA) | 0.5842% | 4,736 |
| Pretax return on assets | 0.8477% | 4,309 |
| Return on Equity (ROE) | 6.6377% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.3030% | 3,157 |
| Net charge-offs to loans | 0.1573% | 3,862 |
| Credit loss provision to net charge-offs | 148.8372% | 1,901 |
| Earnings coverage of net charge-offs (x) | 7.6979% | 2,568 |
| Efficiency ratio | 79.0241% | 2,235 |
| Assets per employee ($millions) | 2.5487% | 6,654 |
| Cash dividends to net income (ytd only)* | 20.1076% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,602 |
| Loan loss allowance to noncurrent loans | 87.1636% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 2.3657% | 2,248 |
| Noncurrent loans to loans | 1.2947% | 3,874 |
| Net loans and leases to total assets | 85.1297% | 181 |
| Net loans and leases to deposits | 93.6358% | 819 |
| Net loans and leases to core deposits | 99.6004% | 1,152 |
| Total domestic deposits to total assets | 90.9158% | 437 |
| Equity capital to assets | 8.7149% | 6,092 |
| Core capital (leverage) ratio | 8.8458% | 5,275 |
| Tier 1 risk-based capital ratio | 14.1217% | 4,436 |
| Total risk-based capital ratio | 15.3745% | 4,396 |
| Memoranda: | ||
| Average total assets | $41,993,000 | 6,503 |
| Average earning assets | $38,736,750 | 6,480 |
| Average equity | $3,696,000 | 6,720 |
| Average total loans | $36,439,000 | 5,730 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5153% | 697 |
| Cost of funding earning assets | 0.5960% | 4,937 |
| Net interest margin | 4.9193% | 449 |
| Noninterest income to average assets | 0.5151% | 3,819 |
| Noninterest expense to average assets | 4.0194% | 917 |
| Loan and lease loss provision to assets | 0.3081% | 2,144 |
| Net operating income to assets | 0.5006% | 4,817 |
| Return on assets (ROA) | 0.5006% | 5,072 |
| Pretax return on assets | 0.7172% | 4,778 |
| Return on Equity (ROE) | 5.6686% | 4,494 |
| Retained earnings to average equity (ytd only) | 3.6519% | 4,167 |
| Net charge-offs to loans | 0.2434% | 3,112 |
| Credit loss provision to net charge-offs | 145.4545% | 1,906 |
| Earnings coverage of net charge-offs (x) | 4.8409% | 2,975 |
| Efficiency ratio | 79.6756% | 2,238 |
| Assets per employee ($millions) | 2.4594% | 6,795 |
| Cash dividends to net income (ytd only)* | 35.5769% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 5,651 |
| Loan loss allowance to noncurrent loans | 65.5226% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 2.8295% | 1,947 |
| Noncurrent loans to loans | 1.7228% | 3,310 |
| Net loans and leases to total assets | 87.9837% | 79 |
| Net loans and leases to deposits | 97.0325% | 571 |
| Net loans and leases to core deposits | 103.5467% | 888 |
| Total domestic deposits to total assets | 90.6745% | 577 |
| Equity capital to assets | 8.8400% | 5,868 |
| Core capital (leverage) ratio | 8.8793% | 5,078 |
| Tier 1 risk-based capital ratio | 13.9172% | 4,511 |
| Total risk-based capital ratio | 15.1711% | 4,481 |
| Memoranda: | ||
| Average total assets | $41,548,000 | 6,572 |
| Average earning assets | $38,257,330 | 6,542 |
| Average equity | $3,669,330 | 6,765 |
| Average total loans | $36,150,000 | 5,780 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4898% | 772 |
| Cost of funding earning assets | 0.5960% | 5,167 |
| Net interest margin | 4.8938% | 471 |
| Noninterest income to average assets | 0.5698% | 3,427 |
| Noninterest expense to average assets | 4.1143% | 812 |
| Loan and lease loss provision to assets | 0.2318% | 2,628 |
| Net operating income to assets | 0.5119% | 4,774 |
| Return on assets (ROA) | 0.5119% | 4,989 |
| Pretax return on assets | 0.7437% | 4,632 |
| Return on Equity (ROE) | 5.7987% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.7987% | 3,076 |
| Net charge-offs to loans | 0.0449% | 4,067 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 25.2500% | 1,033 |
| Efficiency ratio | 80.8349% | 2,100 |
| Assets per employee ($millions) | 2.4240% | 6,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,672 |
| Loan loss allowance to noncurrent loans | 56.0000% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 2.9970% | 1,934 |
| Noncurrent loans to loans | 2.0722% | 3,060 |
| Net loans and leases to total assets | 86.8132% | 98 |
| Net loans and leases to deposits | 95.8626% | 547 |
| Net loans and leases to core deposits | 102.3957% | 846 |
| Total domestic deposits to total assets | 90.5601% | 772 |
| Equity capital to assets | 8.9376% | 5,589 |
| Core capital (leverage) ratio | 8.9886% | 4,858 |
| Tier 1 risk-based capital ratio | 14.3085% | 4,235 |
| Total risk-based capital ratio | 15.5633% | 4,206 |
| Memoranda: | ||
| Average total assets | $41,417,000 | 6,626 |
| Average earning assets | $38,252,500 | 6,591 |
| Average equity | $3,656,000 | 6,811 |
| Average total loans | $35,622,000 | 5,841 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9694% | 451 |
| Cost of funding earning assets | 0.6648% | 5,742 |
| Net interest margin | 5.3046% | 239 |
| Noninterest income to average assets | 0.5434% | 3,557 |
| Noninterest expense to average assets | 4.1044% | 904 |
| Loan and lease loss provision to assets | 0.0794% | 5,625 |
| Net operating income to assets | 0.8387% | 2,883 |
| Return on assets (ROA) | 0.8387% | 3,040 |
| Pretax return on assets | 1.2507% | 2,296 |
| Return on Equity (ROE) | 9.6395% | 2,193 |
| Retained earnings to average equity (ytd only) | 7.1583% | 1,427 |
| Net charge-offs to loans | 0.1052% | 5,307 |
| Credit loss provision to net charge-offs | 88.8889% | 4,059 |
| Earnings coverage of net charge-offs (x) | 14.8889% | 1,429 |
| Efficiency ratio | 75.5251% | 2,971 |
| Assets per employee ($millions) | 2.4486% | 6,874 |
| Cash dividends to net income (ytd only)* | 25.7396% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,660 |
| Loan loss allowance to noncurrent loans | 45.6100% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 3.2720% | 1,820 |
| Noncurrent loans to loans | 2.5021% | 2,623 |
| Net loans and leases to total assets | 83.2412% | 255 |
| Net loans and leases to deposits | 91.9708% | 971 |
| Net loans and leases to core deposits | 99.0198% | 1,259 |
| Total domestic deposits to total assets | 90.5083% | 721 |
| Equity capital to assets | 8.7181% | 5,880 |
| Core capital (leverage) ratio | 8.7261% | 5,210 |
| Tier 1 risk-based capital ratio | 14.2672% | 4,135 |
| Total risk-based capital ratio | 15.5213% | 4,094 |
| Memoranda: | ||
| Average total assets | $40,298,600 | 6,662 |
| Average earning assets | $37,156,200 | 6,636 |
| Average equity | $3,506,400 | 6,876 |
| Average total loans | $34,235,400 | 5,944 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9412% | 520 |
| Cost of funding earning assets | 0.6843% | 5,856 |
| Net interest margin | 5.2569% | 265 |
| Noninterest income to average assets | 0.5471% | 3,531 |
| Noninterest expense to average assets | 4.1500% | 843 |
| Loan and lease loss provision to assets | 0.1068% | 5,104 |
| Net operating income to assets | 0.7473% | 3,393 |
| Return on assets (ROA) | 0.7473% | 3,558 |
| Pretax return on assets | 1.1342% | 2,878 |
| Return on Equity (ROE) | 8.5927% | 2,781 |
| Retained earnings to average equity (ytd only) | 7.1734% | 1,877 |
| Net charge-offs to loans | 0.1450% | 4,616 |
| Credit loss provision to net charge-offs | 86.4865% | 3,900 |
| Earnings coverage of net charge-offs (x) | 10.0545% | 1,974 |
| Efficiency ratio | 76.9802% | 2,677 |
| Assets per employee ($millions) | 2.3996% | 6,988 |
| Cash dividends to net income (ytd only)* | 16.5171% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 5,751 |
| Loan loss allowance to noncurrent loans | 47.1074% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 3.2653% | 1,942 |
| Noncurrent loans to loans | 2.4083% | 2,876 |
| Net loans and leases to total assets | 85.2377% | 152 |
| Net loans and leases to deposits | 94.1360% | 824 |
| Net loans and leases to core deposits | 101.4915% | 1,118 |
| Total domestic deposits to total assets | 90.5474% | 608 |
| Equity capital to assets | 8.7392% | 6,042 |
| Core capital (leverage) ratio | 8.7700% | 5,311 |
| Tier 1 risk-based capital ratio | 13.5975% | 4,654 |
| Total risk-based capital ratio | 14.8486% | 4,626 |
| Memoranda: | ||
| Average total assets | $39,966,750 | 6,728 |
| Average earning assets | $36,827,000 | 6,707 |
| Average equity | $3,475,750 | 6,944 |
| Average total loans | $34,031,750 | 6,019 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9578% | 516 |
| Cost of funding earning assets | 0.7080% | 5,911 |
| Net interest margin | 5.2499% | 259 |
| Noninterest income to average assets | 0.5089% | 3,787 |
| Noninterest expense to average assets | 4.1369% | 884 |
| Loan and lease loss provision to assets | 0.0605% | 5,552 |
| Net operating income to assets | 0.7659% | 3,218 |
| Return on assets (ROA) | 0.7659% | 3,349 |
| Pretax return on assets | 1.1690% | 2,605 |
| Return on Equity (ROE) | 8.8218% | 2,591 |
| Retained earnings to average equity (ytd only) | 6.6744% | 2,037 |
| Net charge-offs to loans | 0.2140% | 3,853 |
| Credit loss provision to net charge-offs | 33.3333% | 4,934 |
| Earnings coverage of net charge-offs (x) | 6.7778% | 2,334 |
| Efficiency ratio | 77.0892% | 2,847 |
| Assets per employee ($millions) | 2.3244% | 7,096 |
| Cash dividends to net income (ytd only)* | 24.3421% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 5,898 |
| Loan loss allowance to noncurrent loans | 56.1300% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.9407% | 2,282 |
| Noncurrent loans to loans | 1.9880% | 3,502 |
| Net loans and leases to total assets | 85.2204% | 171 |
| Net loans and leases to deposits | 94.3012% | 852 |
| Net loans and leases to core deposits | 100.4085% | 1,309 |
| Total domestic deposits to total assets | 90.3705% | 778 |
| Equity capital to assets | 8.8399% | 5,772 |
| Core capital (leverage) ratio | 8.7542% | 5,130 |
| Tier 1 risk-based capital ratio | 13.9877% | 4,183 |
| Total risk-based capital ratio | 15.2411% | 4,150 |
| Memoranda: | ||
| Average total assets | $39,691,330 | 6,796 |
| Average earning assets | $36,724,670 | 6,770 |
| Average equity | $3,446,000 | 6,997 |
| Average total loans | $33,652,330 | 6,095 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9620% | 515 |
| Cost of funding earning assets | 0.7466% | 5,885 |
| Net interest margin | 5.2154% | 252 |
| Noninterest income to average assets | 0.5028% | 3,863 |
| Noninterest expense to average assets | 4.0825% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8949% | 2,589 |
| Return on assets (ROA) | 0.8949% | 2,649 |
| Pretax return on assets | 1.2670% | 2,142 |
| Return on Equity (ROE) | 10.4018% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.4018% | 1,021 |
| Net charge-offs to loans | -0.0120% | 6,415 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3158% | 3,106 |
| Assets per employee ($millions) | 2.4530% | 7,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 5,551 |
| Loan loss allowance to noncurrent loans | 39.2823% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 3.8626% | 1,731 |
| Noncurrent loans to loans | 3.0963% | 2,421 |
| Net loans and leases to total assets | 83.8081% | 238 |
| Net loans and leases to deposits | 92.6485% | 964 |
| Net loans and leases to core deposits | 98.0447% | 1,522 |
| Total domestic deposits to total assets | 90.4581% | 864 |
| Equity capital to assets | 8.8336% | 5,441 |
| Core capital (leverage) ratio | 8.6270% | 5,217 |
| Tier 1 risk-based capital ratio | 14.2704% | 3,892 |
| Total risk-based capital ratio | 15.5258% | 3,845 |
| Memoranda: | ||
| Average total assets | $39,780,000 | 6,844 |
| Average earning assets | $36,967,500 | 6,808 |
| Average equity | $3,422,500 | 7,035 |
| Average total loans | $33,451,500 | 6,156 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8327% | 1,191 |
| Cost of funding earning assets | 1.0688% | 5,323 |
| Net interest margin | 4.7639% | 712 |
| Noninterest income to average assets | 0.5591% | 3,754 |
| Noninterest expense to average assets | 3.8869% | 1,338 |
| Loan and lease loss provision to assets | 0.1594% | 5,616 |
| Net operating income to assets | 0.6425% | 3,471 |
| Return on assets (ROA) | 0.6425% | 3,622 |
| Pretax return on assets | 0.9613% | 3,059 |
| Return on Equity (ROE) | 7.9235% | 2,728 |
| Retained earnings to average equity (ytd only) | 5.6554% | 2,015 |
| Net charge-offs to loans | -0.0059% | 7,280 |
| Credit loss provision to net charge-offs | -3,250.0000% | 7,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6200% | 2,774 |
| Assets per employee ($millions) | 2.5195% | 6,982 |
| Cash dividends to net income (ytd only)* | 28.6260% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 5,503 |
| Loan loss allowance to noncurrent loans | 23.8489% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 4.2022% | 1,592 |
| Noncurrent loans to loans | 5.0409% | 1,329 |
| Net loans and leases to total assets | 82.3601% | 422 |
| Net loans and leases to deposits | 90.6512% | 1,444 |
| Net loans and leases to core deposits | 95.9151% | 2,024 |
| Total domestic deposits to total assets | 90.8538% | 669 |
| Equity capital to assets | 8.3796% | 6,035 |
| Core capital (leverage) ratio | 8.1021% | 6,010 |
| Tier 1 risk-based capital ratio | 13.9333% | 3,909 |
| Total risk-based capital ratio | 15.1873% | 3,878 |
| Memoranda: | ||
| Average total assets | $40,778,200 | 6,832 |
| Average earning assets | $38,078,400 | 6,790 |
| Average equity | $3,306,600 | 7,190 |
| Average total loans | $33,639,400 | 6,225 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8394% | 1,284 |
| Cost of funding earning assets | 1.1176% | 5,329 |
| Net interest margin | 4.7218% | 799 |
| Noninterest income to average assets | 0.5510% | 3,779 |
| Noninterest expense to average assets | 3.7983% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8216% | 2,912 |
| Return on assets (ROA) | 0.8216% | 3,057 |
| Pretax return on assets | 1.1607% | 2,635 |
| Return on Equity (ROE) | 10.2163% | 2,042 |
| Retained earnings to average equity (ytd only) | 8.7164% | 1,154 |
| Net charge-offs to loans | -0.0040% | 7,194 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5943% | 2,834 |
| Assets per employee ($millions) | 2.4534% | 7,129 |
| Cash dividends to net income (ytd only)* | 14.6820% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 6,445 |
| Loan loss allowance to noncurrent loans | 20.6475% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 3.9250% | 1,792 |
| Noncurrent loans to loans | 4.7924% | 1,467 |
| Net loans and leases to total assets | 81.0895% | 612 |
| Net loans and leases to deposits | 89.0281% | 1,852 |
| Net loans and leases to core deposits | 94.0411% | 2,522 |
| Total domestic deposits to total assets | 91.0830% | 422 |
| Equity capital to assets | 8.1665% | 6,652 |
| Core capital (leverage) ratio | 8.1912% | 6,054 |
| Tier 1 risk-based capital ratio | 13.4928% | 4,213 |
| Total risk-based capital ratio | 14.7447% | 4,166 |
| Memoranda: | ||
| Average total assets | $40,894,750 | 6,911 |
| Average earning assets | $38,176,750 | 6,873 |
| Average equity | $3,288,750 | 7,285 |
| Average total loans | $33,648,000 | 6,309 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8801% | 1,232 |
| Cost of funding earning assets | 1.1729% | 5,274 |
| Net interest margin | 4.7073% | 807 |
| Noninterest income to average assets | 0.5268% | 3,903 |
| Noninterest expense to average assets | 3.8450% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7532% | 3,182 |
| Return on assets (ROA) | 0.7532% | 3,337 |
| Pretax return on assets | 1.0683% | 2,877 |
| Return on Equity (ROE) | 9.4163% | 2,308 |
| Retained earnings to average equity (ytd only) | 7.1392% | 1,774 |
| Net charge-offs to loans | 0.0119% | 6,177 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 306 |
| Efficiency ratio | 78.2565% | 2,685 |
| Assets per employee ($millions) | 2.3951% | 7,235 |
| Cash dividends to net income (ytd only)* | 24.1830% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 6,391 |
| Loan loss allowance to noncurrent loans | 23.1354% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 3.5563% | 1,977 |
| Noncurrent loans to loans | 4.3291% | 1,714 |
| Net loans and leases to total assets | 81.3248% | 627 |
| Net loans and leases to deposits | 89.3208% | 1,956 |
| Net loans and leases to core deposits | 94.4709% | 2,647 |
| Total domestic deposits to total assets | 91.0480% | 467 |
| Equity capital to assets | 8.1219% | 6,628 |
| Core capital (leverage) ratio | 8.1167% | 6,091 |
| Tier 1 risk-based capital ratio | 13.2806% | 4,223 |
| Total risk-based capital ratio | 14.5295% | 4,188 |
| Memoranda: | ||
| Average total assets | $40,624,000 | 6,976 |
| Average earning assets | $37,856,330 | 6,934 |
| Average equity | $3,249,670 | 7,340 |
| Average total loans | $33,478,000 | 6,363 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8011% | 1,452 |
| Cost of funding earning assets | 1.2551% | 5,086 |
| Net interest margin | 4.5459% | 1,053 |
| Noninterest income to average assets | 0.5422% | 3,707 |
| Noninterest expense to average assets | 3.9529% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5915% | 3,927 |
| Return on assets (ROA) | 0.5915% | 4,074 |
| Pretax return on assets | 0.8379% | 3,718 |
| Return on Equity (ROE) | 7.4511% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.4511% | 1,947 |
| Net charge-offs to loans | -0.0119% | 6,935 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5103% | 2,205 |
| Assets per employee ($millions) | 2.4988% | 7,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 6,431 |
| Loan loss allowance to noncurrent loans | 22.9620% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 3.6817% | 1,900 |
| Noncurrent loans to loans | 4.3842% | 1,719 |
| Net loans and leases to total assets | 83.1320% | 462 |
| Net loans and leases to deposits | 91.2553% | 1,719 |
| Net loans and leases to core deposits | 97.3379% | 2,419 |
| Total domestic deposits to total assets | 91.0983% | 504 |
| Equity capital to assets | 8.1314% | 6,505 |
| Core capital (leverage) ratio | 7.9163% | 6,360 |
| Tier 1 risk-based capital ratio | 13.3550% | 4,086 |
| Total risk-based capital ratio | 14.6038% | 4,045 |
| Memoranda: | ||
| Average total assets | $40,577,500 | 7,068 |
| Average earning assets | $37,924,000 | 7,024 |
| Average equity | $3,221,000 | 7,429 |
| Average total loans | $33,493,000 | 6,435 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7406% | 421 |
| Cost of funding earning assets | 1.8371% | 3,797 |
| Net interest margin | 4.9036% | 551 |
| Noninterest income to average assets | 0.5882% | 3,729 |
| Noninterest expense to average assets | 4.1198% | 1,195 |
| Loan and lease loss provision to assets | 0.0599% | 6,964 |
| Net operating income to assets | 0.5778% | 3,420 |
| Return on assets (ROA) | 0.5778% | 3,493 |
| Pretax return on assets | 0.8614% | 3,047 |
| Return on Equity (ROE) | 7.1305% | 2,744 |
| Retained earnings to average equity (ytd only) | 4.7215% | 1,965 |
| Net charge-offs to loans | 0.0515% | 6,584 |
| Credit loss provision to net charge-offs | 135.2941% | 3,663 |
| Earnings coverage of net charge-offs (x) | 20.8235% | 1,022 |
| Efficiency ratio | 81.7243% | 2,642 |
| Assets per employee ($millions) | 2.5734% | 7,082 |
| Cash dividends to net income (ytd only)* | 33.7838% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 6,327 |
| Loan loss allowance to noncurrent loans | 29.6655% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 2.7590% | 2,530 |
| Noncurrent loans to loans | 3.4001% | 2,246 |
| Net loans and leases to total assets | 80.3274% | 935 |
| Net loans and leases to deposits | 87.8786% | 2,573 |
| Net loans and leases to core deposits | 109.2525% | 2,975 |
| Total domestic deposits to total assets | 91.4072% | 404 |
| Equity capital to assets | 7.7500% | 6,816 |
| Core capital (leverage) ratio | 7.7318% | 6,524 |
| Tier 1 risk-based capital ratio | 12.6990% | 4,367 |
| Total risk-based capital ratio | 13.9486% | 4,300 |
| Memoranda: | ||
| Average total assets | $38,424,400 | 7,155 |
| Average earning assets | $34,892,800 | 7,139 |
| Average equity | $3,113,400 | 7,560 |
| Average total loans | $33,032,200 | 6,461 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9187% | 342 |
| Cost of funding earning assets | 1.9293% | 3,729 |
| Net interest margin | 4.9895% | 454 |
| Noninterest income to average assets | 0.5865% | 3,804 |
| Noninterest expense to average assets | 4.2539% | 971 |
| Loan and lease loss provision to assets | 0.0813% | 6,554 |
| Net operating income to assets | 0.5512% | 3,790 |
| Return on assets (ROA) | 0.5512% | 3,874 |
| Pretax return on assets | 0.7561% | 3,685 |
| Return on Equity (ROE) | 6.7224% | 3,204 |
| Retained earnings to average equity (ytd only) | 5.0850% | 2,439 |
| Net charge-offs to loans | 0.0769% | 5,910 |
| Credit loss provision to net charge-offs | 121.0526% | 4,192 |
| Earnings coverage of net charge-offs (x) | 12.4749% | 1,757 |
| Efficiency ratio | 83.5531% | 2,345 |
| Assets per employee ($millions) | 2.5168% | 7,205 |
| Cash dividends to net income (ytd only)* | 24.3617% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 6,280 |
| Loan loss allowance to noncurrent loans | 29.5675% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 2.8136% | 2,467 |
| Noncurrent loans to loans | 3.3856% | 2,228 |
| Net loans and leases to total assets | 82.2738% | 765 |
| Net loans and leases to deposits | 90.0786% | 2,567 |
| Net loans and leases to core deposits | 113.7941% | 2,848 |
| Total domestic deposits to total assets | 91.3356% | 293 |
| Equity capital to assets | 7.8524% | 6,985 |
| Core capital (leverage) ratio | 7.9256% | 6,473 |
| Tier 1 risk-based capital ratio | 12.5901% | 4,478 |
| Total risk-based capital ratio | 13.8403% | 4,429 |
| Memoranda: | ||
| Average total assets | $37,737,000 | 7,242 |
| Average earning assets | $34,070,750 | 7,241 |
| Average equity | $3,094,000 | 7,633 |
| Average total loans | $32,937,500 | 6,516 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9634% | 341 |
| Cost of funding earning assets | 1.9222% | 4,150 |
| Net interest margin | 5.0412% | 391 |
| Noninterest income to average assets | 0.5529% | 4,015 |
| Noninterest expense to average assets | 4.4398% | 822 |
| Loan and lease loss provision to assets | 0.1247% | 5,862 |
| Net operating income to assets | 0.4608% | 4,248 |
| Return on assets (ROA) | 0.4608% | 4,365 |
| Pretax return on assets | 0.6234% | 4,251 |
| Return on Equity (ROE) | 5.5351% | 3,845 |
| Retained earnings to average equity (ytd only) | 3.0606% | 3,611 |
| Net charge-offs to loans | 0.1526% | 4,667 |
| Credit loss provision to net charge-offs | 92.0000% | 4,862 |
| Earnings coverage of net charge-offs (x) | 5.5200% | 2,819 |
| Efficiency ratio | 85.5799% | 2,271 |
| Assets per employee ($millions) | 2.3804% | 7,458 |
| Cash dividends to net income (ytd only)* | 44.7059% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 6,511 |
| Loan loss allowance to noncurrent loans | 135.9504% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 5,690 |
| Noncurrent loans to loans | 0.7053% | 5,832 |
| Net loans and leases to total assets | 89.2220% | 172 |
| Net loans and leases to deposits | 98.1656% | 1,497 |
| Net loans and leases to core deposits | 122.6035% | 2,144 |
| Total domestic deposits to total assets | 90.8893% | 496 |
| Equity capital to assets | 8.1156% | 6,611 |
| Core capital (leverage) ratio | 8.1796% | 6,013 |
| Tier 1 risk-based capital ratio | 12.1669% | 4,787 |
| Total risk-based capital ratio | 13.4186% | 4,696 |
| Memoranda: | ||
| Average total assets | $36,893,330 | 7,343 |
| Average earning assets | $33,920,330 | 7,319 |
| Average equity | $3,071,330 | 7,705 |
| Average total loans | $32,761,670 | 6,568 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8388% | 451 |
| Cost of funding earning assets | 1.9077% | 4,591 |
| Net interest margin | 4.9312% | 475 |
| Noninterest income to average assets | 0.6833% | 2,983 |
| Noninterest expense to average assets | 4.4522% | 749 |
| Loan and lease loss provision to assets | 0.2535% | 3,940 |
| Net operating income to assets | 0.3857% | 4,916 |
| Return on assets (ROA) | 0.3857% | 5,100 |
| Pretax return on assets | 0.5069% | 5,062 |
| Return on Equity (ROE) | 4.5729% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.5729% | 3,387 |
| Net charge-offs to loans | 0.3251% | 2,791 |
| Credit loss provision to net charge-offs | 88.4615% | 4,033 |
| Earnings coverage of net charge-offs (x) | 2.6538% | 3,428 |
| Efficiency ratio | 85.4123% | 2,141 |
| Assets per employee ($millions) | 2.3099% | 7,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,096 |
| Loan loss allowance to noncurrent loans | 268.8525% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 6,350 |
| Noncurrent loans to loans | 0.3766% | 6,475 |
| Net loans and leases to total assets | 86.7718% | 359 |
| Net loans and leases to deposits | 95.6086% | 2,007 |
| Net loans and leases to core deposits | 118.7734% | 2,529 |
| Total domestic deposits to total assets | 90.7573% | 493 |
| Equity capital to assets | 8.3309% | 6,344 |
| Core capital (leverage) ratio | 8.4702% | 5,598 |
| Tier 1 risk-based capital ratio | 12.6059% | 4,467 |
| Total risk-based capital ratio | 13.8588% | 4,387 |
| Memoranda: | ||
| Average total assets | $36,296,500 | 7,404 |
| Average earning assets | $33,339,000 | 7,390 |
| Average equity | $3,061,500 | 7,760 |
| Average total loans | $31,987,000 | 6,649 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2842% | 614 |
| Cost of funding earning assets | 2.1195% | 5,970 |
| Net interest margin | 5.1647% | 362 |
| Noninterest income to average assets | 0.7149% | 3,023 |
| Noninterest expense to average assets | 4.3043% | 1,042 |
| Loan and lease loss provision to assets | 0.0875% | 6,286 |
| Net operating income to assets | 0.7179% | 3,815 |
| Return on assets (ROA) | 0.7179% | 3,646 |
| Pretax return on assets | 1.0447% | 3,225 |
| Return on Equity (ROE) | 8.3046% | 2,941 |
| Retained earnings to average equity (ytd only) | 5.7727% | 1,635 |
| Net charge-offs to loans | -0.1120% | 8,104 |
| Credit loss provision to net charge-offs | -90.9091% | 7,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1734% | 2,726 |
| Assets per employee ($millions) | 2.2271% | 7,666 |
| Cash dividends to net income (ytd only)* | 30.4878% | 4,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 5,642 |
| Loan loss allowance to noncurrent loans | 210.8280% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 5,893 |
| Noncurrent loans to loans | 0.4972% | 5,854 |
| Net loans and leases to total assets | 87.6831% | 396 |
| Net loans and leases to deposits | 97.3274% | 2,226 |
| Net loans and leases to core deposits | 117.2420% | 2,980 |
| Total domestic deposits to total assets | 90.0909% | 616 |
| Equity capital to assets | 8.5424% | 6,022 |
| Core capital (leverage) ratio | 8.3521% | 5,848 |
| Tier 1 risk-based capital ratio | 12.6066% | 4,360 |
| Total risk-based capital ratio | 13.8574% | 4,271 |
| Memoranda: | ||
| Average total assets | $34,268,400 | 7,450 |
| Average earning assets | $31,328,000 | 7,444 |
| Average equity | $2,962,200 | 7,846 |
| Average total loans | $29,468,800 | 6,743 |