Home > The First National Bank of Peterstown > Performance and Condition Ratios
The First National Bank of Peterstown, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,836 |
| Cost of funding earning assets | 0.2448% | 4,422 |
| Net interest margin | 3.8376% | 1,493 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.5482% | 2,160 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1043% | 1,911 |
| Return on assets (ROA) | 1.1043% | 1,880 |
| Pretax return on assets | 1.3738% | 1,693 |
| Return on Equity (ROE) | 11.8700% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.5676% | 888 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.4166% | 2,560 |
| Assets per employee ($millions) | 6.4297% | 2,461 |
| Cash dividends to net income (ytd only)* | 10.9409% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 1,589 |
| Loan loss allowance to noncurrent loans | 153.4435% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 1,280 |
| Noncurrent loans to loans | 0.8773% | 866 |
| Net loans and leases to total assets | 48.8400% | 3,670 |
| Net loans and leases to deposits | 54.3151% | 3,777 |
| Net loans and leases to core deposits | 55.4725% | 3,932 |
| Total domestic deposits to total assets | 89.9100% | 779 |
| Equity capital to assets | 9.9227% | 2,051 |
| Core capital (leverage) ratio | 12.3771% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7686% | 431 |
| Memoranda: | ||
| Average total assets | $82,764,200 | 3,995 |
| Average earning assets | $71,086,800 | 4,025 |
| Average equity | $7,702,800 | 3,968 |
| Average total loans | $41,663,000 | 3,965 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 3,805 |
| Cost of funding earning assets | 0.1711% | 4,464 |
| Net interest margin | 3.8545% | 1,488 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.4677% | 2,323 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2661% | 1,616 |
| Return on assets (ROA) | 1.2661% | 1,605 |
| Pretax return on assets | 1.4551% | 1,662 |
| Return on Equity (ROE) | 13.8400% | 1,695 |
| Retained earnings to average equity (ytd only) | 13.8360% | 696 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.1897% | 2,691 |
| Assets per employee ($millions) | 5.8097% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 1,789 |
| Loan loss allowance to noncurrent loans | 228.2787% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 1,812 |
| Noncurrent loans to loans | 0.5767% | 1,391 |
| Net loans and leases to total assets | 51.3300% | 3,540 |
| Net loans and leases to deposits | 56.9667% | 3,663 |
| Net loans and leases to core deposits | 57.9937% | 3,780 |
| Total domestic deposits to total assets | 90.1100% | 914 |
| Equity capital to assets | 9.5862% | 2,049 |
| Core capital (leverage) ratio | 12.6129% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6791% | 451 |
| Memoranda: | ||
| Average total assets | $82,558,750 | 4,011 |
| Average earning assets | $70,910,500 | 4,047 |
| Average equity | $7,555,000 | 3,988 |
| Average total loans | $41,734,500 | 3,977 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 3,765 |
| Cost of funding earning assets | 0.1150% | 4,505 |
| Net interest margin | 3.8454% | 1,532 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.3238% | 2,729 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4512% | 1,212 |
| Return on assets (ROA) | 1.4512% | 1,197 |
| Pretax return on assets | 1.6127% | 1,386 |
| Return on Equity (ROE) | 16.1100% | 1,246 |
| Retained earnings to average equity (ytd only) | 16.1085% | 465 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.0373% | 3,188 |
| Assets per employee ($millions) | 6.2571% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 1,831 |
| Loan loss allowance to noncurrent loans | 222.8000% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 1,690 |
| Noncurrent loans to loans | 0.5933% | 1,263 |
| Net loans and leases to total assets | 51.1200% | 3,477 |
| Net loans and leases to deposits | 56.5987% | 3,606 |
| Net loans and leases to core deposits | 57.3561% | 3,746 |
| Total domestic deposits to total assets | 90.3100% | 835 |
| Equity capital to assets | 9.5646% | 2,120 |
| Core capital (leverage) ratio | 12.3396% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6148% | 512 |
| Memoranda: | ||
| Average total assets | $82,966,333 | 4,021 |
| Average earning assets | $71,306,000 | 4,060 |
| Average equity | $7,474,333 | 4,019 |
| Average total loans | $41,543,000 | 3,991 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 3,708 |
| Cost of funding earning assets | 0.0950% | 4,542 |
| Net interest margin | 3.7870% | 1,719 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.2249% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6233% | 942 |
| Return on assets (ROA) | 1.6233% | 941 |
| Pretax return on assets | 1.7713% | 1,125 |
| Return on Equity (ROE) | 18.5800% | 951 |
| Retained earnings to average equity (ytd only) | 18.5754% | 471 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.6750% | 3,439 |
| Assets per employee ($millions) | 6.3985% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,138 |
| Loan loss allowance to noncurrent loans | 208.6957% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 1,642 |
| Noncurrent loans to loans | 0.6122% | 1,221 |
| Net loans and leases to total assets | 49.0500% | 3,562 |
| Net loans and leases to deposits | 54.1168% | 3,674 |
| Net loans and leases to core deposits | 54.8413% | 3,801 |
| Total domestic deposits to total assets | 90.6300% | 932 |
| Equity capital to assets | 9.1836% | 2,383 |
| Core capital (leverage) ratio | 11.9203% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9768% | 504 |
| Memoranda: | ||
| Average total assets | $83,778,500 | 4,067 |
| Average earning assets | $71,613,000 | 4,118 |
| Average equity | $7,321,500 | 4,084 |
| Average total loans | $41,247,000 | 4,048 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3782% | 3,406 |
| Cost of funding earning assets | 0.1238% | 4,265 |
| Net interest margin | 3.2544% | 2,693 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.3522% | 2,573 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7488% | 3,484 |
| Return on assets (ROA) | 0.7488% | 3,425 |
| Pretax return on assets | 0.9130% | 3,319 |
| Return on Equity (ROE) | 8.7400% | 3,189 |
| Retained earnings to average equity (ytd only) | 8.7419% | 1,555 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.5804% | 1,485 |
| Assets per employee ($millions) | 7.0313% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 1,982 |
| Loan loss allowance to noncurrent loans | 119.7279% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 965 |
| Noncurrent loans to loans | 1.0712% | 673 |
| Net loans and leases to total assets | 48.1700% | 3,657 |
| Net loans and leases to deposits | 52.6138% | 3,759 |
| Net loans and leases to core deposits | 53.3095% | 3,847 |
| Total domestic deposits to total assets | 91.5500% | 772 |
| Equity capital to assets | 8.3009% | 2,854 |
| Core capital (leverage) ratio | 11.2329% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2677% | 532 |
| Memoranda: | ||
| Average total assets | $85,875,400 | 4,060 |
| Average earning assets | $72,700,600 | 4,128 |
| Average equity | $7,355,400 | 4,167 |
| Average total loans | $40,927,800 | 4,052 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2626% | 3,276 |
| Cost of funding earning assets | 0.1300% | 4,034 |
| Net interest margin | 3.1326% | 2,821 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.2055% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8420% | 3,092 |
| Return on assets (ROA) | 0.8420% | 3,066 |
| Pretax return on assets | 0.9689% | 3,117 |
| Return on Equity (ROE) | 9.8800% | 2,765 |
| Retained earnings to average equity (ytd only) | 9.8840% | 1,384 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.4783% | 1,825 |
| Assets per employee ($millions) | 6.5845% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,265 |
| Loan loss allowance to noncurrent loans | 216.1017% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 1,846 |
| Noncurrent loans to loans | 0.5779% | 1,387 |
| Net loans and leases to total assets | 47.1100% | 3,696 |
| Net loans and leases to deposits | 51.0036% | 3,788 |
| Net loans and leases to core deposits | 51.6801% | 3,870 |
| Total domestic deposits to total assets | 92.3700% | 759 |
| Equity capital to assets | 7.4253% | 3,261 |
| Core capital (leverage) ratio | 10.7787% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7243% | 583 |
| Memoranda: | ||
| Average total assets | $86,145,250 | 4,086 |
| Average earning assets | $72,823,500 | 4,151 |
| Average equity | $7,338,250 | 4,214 |
| Average total loans | $40,867,500 | 4,070 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1653% | 3,148 |
| Cost of funding earning assets | 0.1377% | 3,736 |
| Net interest margin | 3.0275% | 2,803 |
| Noninterest income to average assets | 0.5352% | 2,017 |
| Noninterest expense to average assets | 2.1013% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8873% | 2,635 |
| Return on assets (ROA) | 0.8873% | 2,608 |
| Pretax return on assets | 0.9800% | 2,799 |
| Return on Equity (ROE) | 9.9926% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.9926% | 1,024 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1955% | 2,213 |
| Assets per employee ($millions) | 7.1313% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,471 |
| Loan loss allowance to noncurrent loans | 216.1017% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 1,929 |
| Noncurrent loans to loans | 0.5734% | 1,471 |
| Net loans and leases to total assets | 47.5005% | 3,595 |
| Net loans and leases to deposits | 51.6841% | 3,708 |
| Net loans and leases to core deposits | 52.3868% | 3,797 |
| Total domestic deposits to total assets | 91.9054% | 877 |
| Equity capital to assets | 7.9438% | 3,163 |
| Core capital (leverage) ratio | 10.5542% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8835% | 547 |
| Memoranda: | ||
| Average total assets | $86,327,333 | 4,124 |
| Average earning assets | $72,600,333 | 4,217 |
| Average equity | $7,665,667 | 4,238 |
| Average total loans | $40,878,000 | 4,125 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0182% | 3,200 |
| Cost of funding earning assets | 0.1520% | 3,486 |
| Net interest margin | 2.8662% | 2,936 |
| Noninterest income to average assets | 0.5167% | 2,061 |
| Noninterest expense to average assets | 2.2514% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6320% | 3,289 |
| Return on assets (ROA) | 0.6320% | 3,269 |
| Pretax return on assets | 0.7012% | 3,391 |
| Return on Equity (ROE) | 6.7658% | 3,110 |
| Retained earnings to average equity (ytd only) | 6.7658% | 1,972 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2500% | 1,493 |
| Assets per employee ($millions) | 6.7469% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,579 |
| Loan loss allowance to noncurrent loans | 119.1589% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 1,235 |
| Noncurrent loans to loans | 1.0528% | 857 |
| Net loans and leases to total assets | 45.7667% | 3,603 |
| Net loans and leases to deposits | 50.1224% | 3,723 |
| Net loans and leases to core deposits | 50.9352% | 3,814 |
| Total domestic deposits to total assets | 91.3100% | 882 |
| Equity capital to assets | 8.6045% | 3,071 |
| Core capital (leverage) ratio | 10.2539% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2667% | 616 |
| Memoranda: | ||
| Average total assets | $86,703,000 | 4,137 |
| Average earning assets | $73,686,000 | 4,216 |
| Average equity | $8,099,500 | 4,263 |
| Average total loans | $40,737,500 | 4,146 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0022% | 3,867 |
| Cost of funding earning assets | 0.2491% | 2,947 |
| Net interest margin | 2.7531% | 3,770 |
| Noninterest income to average assets | 0.4758% | 2,698 |
| Noninterest expense to average assets | 2.3500% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4361% | 4,211 |
| Return on assets (ROA) | 0.4361% | 4,254 |
| Pretax return on assets | 0.5154% | 4,236 |
| Return on Equity (ROE) | 4.2014% | 4,175 |
| Retained earnings to average equity (ytd only) | 4.2014% | 3,138 |
| Net charge-offs to loans | 0.0605% | 1,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 17.1600% | 1,951 |
| Efficiency ratio | 82.0126% | 674 |
| Assets per employee ($millions) | 6.1211% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,630 |
| Loan loss allowance to noncurrent loans | 99.6094% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 1,100 |
| Noncurrent loans to loans | 1.2542% | 766 |
| Net loans and leases to total assets | 47.0419% | 3,597 |
| Net loans and leases to deposits | 52.3661% | 3,712 |
| Net loans and leases to core deposits | 53.2494% | 3,813 |
| Total domestic deposits to total assets | 89.8327% | 1,044 |
| Equity capital to assets | 10.0962% | 2,560 |
| Core capital (leverage) ratio | 10.1520% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2584% | 540 |
| Memoranda: | ||
| Average total assets | $83,234,200 | 4,175 |
| Average earning assets | $72,246,000 | 4,227 |
| Average equity | $8,640,000 | 4,273 |
| Average total loans | $41,313,600 | 4,157 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9925% | 4,016 |
| Cost of funding earning assets | 0.2683% | 2,919 |
| Net interest margin | 2.7241% | 3,924 |
| Noninterest income to average assets | 0.4809% | 2,706 |
| Noninterest expense to average assets | 2.2819% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4938% | 4,220 |
| Return on assets (ROA) | 0.4938% | 4,264 |
| Pretax return on assets | 0.5745% | 4,267 |
| Return on Equity (ROE) | 4.7237% | 4,182 |
| Retained earnings to average equity (ytd only) | 4.7237% | 3,323 |
| Net charge-offs to loans | 0.0418% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 27.3846% | 1,577 |
| Efficiency ratio | 79.8870% | 755 |
| Assets per employee ($millions) | 5.6921% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,635 |
| Loan loss allowance to noncurrent loans | 146.2185% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 1,793 |
| Noncurrent loans to loans | 0.8680% | 1,326 |
| Net loans and leases to total assets | 47.5621% | 3,668 |
| Net loans and leases to deposits | 53.1267% | 3,804 |
| Net loans and leases to core deposits | 54.0250% | 3,920 |
| Total domestic deposits to total assets | 89.5258% | 996 |
| Equity capital to assets | 10.2751% | 2,637 |
| Core capital (leverage) ratio | 10.3840% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6165% | 561 |
| Memoranda: | ||
| Average total assets | $82,618,750 | 4,231 |
| Average earning assets | $72,045,500 | 4,286 |
| Average equity | $8,637,000 | 4,338 |
| Average total loans | $41,436,250 | 4,207 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9892% | 4,068 |
| Cost of funding earning assets | 0.2933% | 2,838 |
| Net interest margin | 2.6958% | 3,990 |
| Noninterest income to average assets | 0.4823% | 2,705 |
| Noninterest expense to average assets | 2.1763% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5826% | 4,017 |
| Return on assets (ROA) | 0.5826% | 4,072 |
| Pretax return on assets | 0.6683% | 4,131 |
| Return on Equity (ROE) | 5.5403% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.5403% | 2,982 |
| Net charge-offs to loans | 0.0626% | 989 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,516 |
| Efficiency ratio | 76.5060% | 1,036 |
| Assets per employee ($millions) | 5.5971% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,599 |
| Loan loss allowance to noncurrent loans | 131.1558% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 1,769 |
| Noncurrent loans to loans | 0.9658% | 1,279 |
| Net loans and leases to total assets | 48.4635% | 3,682 |
| Net loans and leases to deposits | 54.1402% | 3,851 |
| Net loans and leases to core deposits | 55.0835% | 3,961 |
| Total domestic deposits to total assets | 89.5147% | 1,022 |
| Equity capital to assets | 10.3495% | 2,539 |
| Core capital (leverage) ratio | 10.4413% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4231% | 579 |
| Memoranda: | ||
| Average total assets | $81,698,000 | 4,268 |
| Average earning assets | $71,592,000 | 4,321 |
| Average equity | $8,591,667 | 4,364 |
| Average total loans | $41,538,000 | 4,245 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9852% | 4,119 |
| Cost of funding earning assets | 0.3086% | 2,900 |
| Net interest margin | 2.6766% | 4,012 |
| Noninterest income to average assets | 0.5014% | 2,608 |
| Noninterest expense to average assets | 2.2291% | 3,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5412% | 4,091 |
| Return on assets (ROA) | 0.5412% | 4,132 |
| Pretax return on assets | 0.6404% | 4,127 |
| Return on Equity (ROE) | 5.1036% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.1036% | 3,193 |
| Net charge-offs to loans | 0.1247% | 578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 9.9231% | 1,516 |
| Efficiency ratio | 77.6817% | 976 |
| Assets per employee ($millions) | 5.4839% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,683 |
| Loan loss allowance to noncurrent loans | 137.0079% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 2,000 |
| Noncurrent loans to loans | 0.9097% | 1,487 |
| Net loans and leases to total assets | 50.2796% | 3,599 |
| Net loans and leases to deposits | 56.1455% | 3,779 |
| Net loans and leases to core deposits | 56.9299% | 3,916 |
| Total domestic deposits to total assets | 89.5524% | 1,047 |
| Equity capital to assets | 10.3078% | 2,429 |
| Core capital (leverage) ratio | 10.7777% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0222% | 512 |
| Memoranda: | ||
| Average total assets | $80,569,000 | 4,300 |
| Average earning assets | $71,284,000 | 4,338 |
| Average equity | $8,543,000 | 4,383 |
| Average total loans | $41,702,000 | 4,267 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 3,935 |
| Cost of funding earning assets | 0.4079% | 3,531 |
| Net interest margin | 3.1361% | 3,533 |
| Noninterest income to average assets | 0.4901% | 2,672 |
| Noninterest expense to average assets | 2.7083% | 2,217 |
| Loan and lease loss provision to assets | 0.0204% | 4,134 |
| Net operating income to assets | 0.4713% | 4,092 |
| Return on assets (ROA) | 0.4724% | 4,170 |
| Pretax return on assets | 0.5702% | 4,145 |
| Return on Equity (ROE) | 4.0856% | 4,140 |
| Retained earnings to average equity (ytd only) | 2.9115% | 3,413 |
| Net charge-offs to loans | 0.0069% | 3,097 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 144.6667% | 598 |
| Efficiency ratio | 82.1326% | 742 |
| Assets per employee ($millions) | 5.2587% | 3,089 |
| Cash dividends to net income (ytd only)* | 28.7356% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,470 |
| Loan loss allowance to noncurrent loans | 87.9934% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7708% | 1,334 |
| Noncurrent loans to loans | 1.4642% | 917 |
| Net loans and leases to total assets | 51.9625% | 3,660 |
| Net loans and leases to deposits | 58.4033% | 3,869 |
| Net loans and leases to core deposits | 59.3986% | 3,981 |
| Total domestic deposits to total assets | 88.9719% | 999 |
| Equity capital to assets | 10.9115% | 2,330 |
| Core capital (leverage) ratio | 11.0109% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1047% | 497 |
| Memoranda: | ||
| Average total assets | $73,663,400 | 4,329 |
| Average earning assets | $65,941,400 | 4,354 |
| Average equity | $8,517,800 | 4,368 |
| Average total loans | $43,699,200 | 4,235 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 3,891 |
| Cost of funding earning assets | 0.4223% | 3,685 |
| Net interest margin | 3.2394% | 3,371 |
| Noninterest income to average assets | 0.4809% | 2,694 |
| Noninterest expense to average assets | 2.5446% | 2,705 |
| Loan and lease loss provision to assets | 0.0276% | 3,990 |
| Net operating income to assets | 0.7280% | 3,361 |
| Return on assets (ROA) | 0.7297% | 3,450 |
| Pretax return on assets | 0.8218% | 3,587 |
| Return on Equity (ROE) | 6.2149% | 3,474 |
| Retained earnings to average equity (ytd only) | 6.2149% | 2,012 |
| Net charge-offs to loans | -0.0060% | 4,095 |
| Credit loss provision to net charge-offs | -750.0000% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0136% | 1,300 |
| Assets per employee ($millions) | 5.0685% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,388 |
| Loan loss allowance to noncurrent loans | 89.2562% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 1,448 |
| Noncurrent loans to loans | 1.4023% | 1,036 |
| Net loans and leases to total assets | 56.0346% | 3,622 |
| Net loans and leases to deposits | 63.5348% | 3,829 |
| Net loans and leases to core deposits | 64.6602% | 3,974 |
| Total domestic deposits to total assets | 88.1951% | 1,121 |
| Equity capital to assets | 11.5221% | 1,990 |
| Core capital (leverage) ratio | 11.3857% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,359,250 | 4,358 |
| Average earning assets | $65,031,500 | 4,386 |
| Average equity | $8,495,500 | 4,390 |
| Average total loans | $44,243,250 | 4,245 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 3,970 |
| Cost of funding earning assets | 0.4364% | 3,861 |
| Net interest margin | 3.3227% | 3,329 |
| Noninterest income to average assets | 0.4976% | 2,580 |
| Noninterest expense to average assets | 2.5135% | 2,927 |
| Loan and lease loss provision to assets | 0.0337% | 3,842 |
| Net operating income to assets | 0.8494% | 2,871 |
| Return on assets (ROA) | 0.8519% | 2,975 |
| Pretax return on assets | 0.9503% | 3,176 |
| Return on Equity (ROE) | 7.2080% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.2080% | 1,566 |
| Net charge-offs to loans | -0.0269% | 4,499 |
| Credit loss provision to net charge-offs | -200.0000% | 3,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9228% | 1,692 |
| Assets per employee ($millions) | 5.0025% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,365 |
| Loan loss allowance to noncurrent loans | 70.1686% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 1,157 |
| Noncurrent loans to loans | 1.7494% | 816 |
| Net loans and leases to total assets | 58.0140% | 3,517 |
| Net loans and leases to deposits | 65.7434% | 3,749 |
| Net loans and leases to core deposits | 67.3328% | 3,899 |
| Total domestic deposits to total assets | 88.2431% | 1,066 |
| Equity capital to assets | 11.5583% | 1,932 |
| Core capital (leverage) ratio | 11.6656% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,136,333 | 4,385 |
| Average earning assets | $64,164,000 | 4,407 |
| Average equity | $8,407,333 | 4,420 |
| Average total loans | $44,610,333 | 4,240 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 3,945 |
| Cost of funding earning assets | 0.4597% | 4,116 |
| Net interest margin | 3.4863% | 3,028 |
| Noninterest income to average assets | 0.5608% | 2,227 |
| Noninterest expense to average assets | 2.5150% | 3,233 |
| Loan and lease loss provision to assets | 0.0289% | 3,422 |
| Net operating income to assets | 1.0586% | 1,975 |
| Return on assets (ROA) | 1.0638% | 2,059 |
| Pretax return on assets | 1.1794% | 2,273 |
| Return on Equity (ROE) | 8.8948% | 2,156 |
| Retained earnings to average equity (ytd only) | 8.8948% | 1,001 |
| Net charge-offs to loans | -0.0535% | 4,656 |
| Credit loss provision to net charge-offs | -83.3333% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6516% | 2,729 |
| Assets per employee ($millions) | 4.6793% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,681 |
| Loan loss allowance to noncurrent loans | 64.4928% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 1,065 |
| Noncurrent loans to loans | 1.8594% | 798 |
| Net loans and leases to total assets | 62.6813% | 3,227 |
| Net loans and leases to deposits | 71.3526% | 3,492 |
| Net loans and leases to core deposits | 72.7965% | 3,712 |
| Total domestic deposits to total assets | 87.8473% | 1,165 |
| Equity capital to assets | 11.9433% | 2,116 |
| Core capital (leverage) ratio | 12.2308% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8888% | 568 |
| Memoranda: | ||
| Average total assets | $69,186,000 | 4,426 |
| Average earning assets | $62,644,500 | 4,440 |
| Average equity | $8,274,500 | 4,459 |
| Average total loans | $44,879,000 | 4,253 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 3,926 |
| Cost of funding earning assets | 0.4267% | 4,353 |
| Net interest margin | 3.7242% | 2,742 |
| Noninterest income to average assets | 0.5588% | 2,428 |
| Noninterest expense to average assets | 3.0372% | 1,917 |
| Loan and lease loss provision to assets | 0.1103% | 1,892 |
| Net operating income to assets | 0.6011% | 4,158 |
| Return on assets (ROA) | 0.6011% | 4,216 |
| Pretax return on assets | 0.7461% | 4,098 |
| Return on Equity (ROE) | 4.9581% | 4,220 |
| Retained earnings to average equity (ytd only) | 3.7124% | 3,136 |
| Net charge-offs to loans | 0.0451% | 2,480 |
| Credit loss provision to net charge-offs | 365.0000% | 767 |
| Earnings coverage of net charge-offs (x) | 28.3500% | 1,630 |
| Efficiency ratio | 78.0062% | 1,151 |
| Assets per employee ($millions) | 4.5455% | 3,160 |
| Cash dividends to net income (ytd only)* | 25.1256% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,665 |
| Loan loss allowance to noncurrent loans | 48.8329% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.5708% | 627 |
| Noncurrent loans to loans | 2.3680% | 487 |
| Net loans and leases to total assets | 65.5672% | 3,009 |
| Net loans and leases to deposits | 74.6676% | 3,293 |
| Net loans and leases to core deposits | 76.2195% | 3,563 |
| Total domestic deposits to total assets | 87.8120% | 1,223 |
| Equity capital to assets | 11.9768% | 2,147 |
| Core capital (leverage) ratio | 12.0228% | 1,758 |
| Tier 1 risk-based capital ratio | 21.4295% | 1,094 |
| Total risk-based capital ratio | 22.6806% | 1,075 |
| Memoranda: | ||
| Average total assets | $66,212,600 | 4,494 |
| Average earning assets | $59,287,600 | 4,529 |
| Average equity | $8,027,200 | 4,505 |
| Average total loans | $44,322,800 | 4,300 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 3,919 |
| Cost of funding earning assets | 0.4041% | 4,490 |
| Net interest margin | 3.7960% | 2,613 |
| Noninterest income to average assets | 0.5173% | 2,624 |
| Noninterest expense to average assets | 2.8585% | 2,384 |
| Loan and lease loss provision to assets | 0.0994% | 1,935 |
| Net operating income to assets | 0.7993% | 3,675 |
| Return on assets (ROA) | 0.7993% | 3,748 |
| Pretax return on assets | 0.9515% | 3,733 |
| Return on Equity (ROE) | 6.5727% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.5727% | 2,075 |
| Net charge-offs to loans | -0.0786% | 4,945 |
| Credit loss provision to net charge-offs | -188.4615% | 4,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1188% | 1,683 |
| Assets per employee ($millions) | 4.5151% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,491 |
| Loan loss allowance to noncurrent loans | 76.4376% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.0528% | 1,258 |
| Noncurrent loans to loans | 1.5730% | 939 |
| Net loans and leases to total assets | 66.1238% | 3,036 |
| Net loans and leases to deposits | 75.6764% | 3,327 |
| Net loans and leases to core deposits | 77.2574% | 3,610 |
| Total domestic deposits to total assets | 87.3771% | 1,324 |
| Equity capital to assets | 12.2051% | 2,110 |
| Core capital (leverage) ratio | 12.4081% | 1,618 |
| Tier 1 risk-based capital ratio | 21.5974% | 1,124 |
| Total risk-based capital ratio | 22.8491% | 1,099 |
| Memoranda: | ||
| Average total assets | $65,720,250 | 4,562 |
| Average earning assets | $58,727,250 | 4,598 |
| Average equity | $7,992,500 | 4,559 |
| Average total loans | $44,096,500 | 4,359 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 3,910 |
| Cost of funding earning assets | 0.3818% | 4,576 |
| Net interest margin | 3.8250% | 2,499 |
| Noninterest income to average assets | 0.5503% | 2,383 |
| Noninterest expense to average assets | 2.7148% | 2,859 |
| Loan and lease loss provision to assets | 0.0769% | 2,278 |
| Net operating income to assets | 1.0392% | 2,769 |
| Return on assets (ROA) | 1.0392% | 2,840 |
| Pretax return on assets | 1.1775% | 2,991 |
| Return on Equity (ROE) | 8.5555% | 3,044 |
| Retained earnings to average equity (ytd only) | 8.5555% | 1,180 |
| Net charge-offs to loans | -0.1145% | 5,026 |
| Credit loss provision to net charge-offs | -100.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3966% | 2,466 |
| Assets per employee ($millions) | 4.4328% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 2,650 |
| Loan loss allowance to noncurrent loans | 72.0222% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1084% | 1,223 |
| Noncurrent loans to loans | 1.6317% | 947 |
| Net loans and leases to total assets | 65.7658% | 3,138 |
| Net loans and leases to deposits | 75.2172% | 3,405 |
| Net loans and leases to core deposits | 76.8362% | 3,659 |
| Total domestic deposits to total assets | 87.4346% | 1,369 |
| Equity capital to assets | 12.3188% | 1,966 |
| Core capital (leverage) ratio | 12.6569% | 1,455 |
| Tier 1 risk-based capital ratio | 21.8682% | 1,070 |
| Total risk-based capital ratio | 23.1178% | 1,046 |
| Memoranda: | ||
| Average total assets | $65,051,670 | 4,606 |
| Average earning assets | $58,143,330 | 4,640 |
| Average equity | $7,901,330 | 4,593 |
| Average total loans | $43,686,000 | 4,398 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 3,960 |
| Cost of funding earning assets | 0.3612% | 4,643 |
| Net interest margin | 3.8065% | 2,504 |
| Noninterest income to average assets | 0.5534% | 2,269 |
| Noninterest expense to average assets | 2.6239% | 3,147 |
| Loan and lease loss provision to assets | 0.0684% | 2,299 |
| Net operating income to assets | 1.1441% | 2,296 |
| Return on assets (ROA) | 1.1441% | 2,342 |
| Pretax return on assets | 1.2684% | 2,575 |
| Return on Equity (ROE) | 9.4888% | 2,592 |
| Retained earnings to average equity (ytd only) | 9.4888% | 1,168 |
| Net charge-offs to loans | -0.2304% | 5,185 |
| Credit loss provision to net charge-offs | -44.0000% | 3,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2480% | 2,910 |
| Assets per employee ($millions) | 4.3630% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 2,845 |
| Loan loss allowance to noncurrent loans | 71.9772% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.1154% | 1,233 |
| Noncurrent loans to loans | 1.5991% | 990 |
| Net loans and leases to total assets | 66.4008% | 2,990 |
| Net loans and leases to deposits | 75.7443% | 3,287 |
| Net loans and leases to core deposits | 78.1906% | 3,499 |
| Total domestic deposits to total assets | 87.6645% | 1,488 |
| Equity capital to assets | 12.0666% | 1,981 |
| Core capital (leverage) ratio | 12.7385% | 1,382 |
| Tier 1 risk-based capital ratio | 21.3156% | 1,127 |
| Total risk-based capital ratio | 22.5645% | 1,111 |
| Memoranda: | ||
| Average total assets | $64,331,500 | 4,669 |
| Average earning assets | $57,585,500 | 4,702 |
| Average equity | $7,756,500 | 4,643 |
| Average total loans | $43,404,500 | 4,444 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 3,595 |
| Cost of funding earning assets | 0.2574% | 4,770 |
| Net interest margin | 3.8899% | 2,355 |
| Noninterest income to average assets | 0.5729% | 2,432 |
| Noninterest expense to average assets | 3.3013% | 1,315 |
| Loan and lease loss provision to assets | 0.1036% | 2,125 |
| Net operating income to assets | 0.5358% | 4,581 |
| Return on assets (ROA) | 0.4952% | 4,676 |
| Pretax return on assets | 0.6150% | 4,607 |
| Return on Equity (ROE) | 4.0590% | 4,697 |
| Retained earnings to average equity (ytd only) | 2.7325% | 4,038 |
| Net charge-offs to loans | 0.1046% | 1,712 |
| Credit loss provision to net charge-offs | 148.8372% | 1,848 |
| Earnings coverage of net charge-offs (x) | 11.0465% | 2,662 |
| Efficiency ratio | 81.1133% | 871 |
| Assets per employee ($millions) | 4.2145% | 3,594 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,117 |
| Loan loss allowance to noncurrent loans | 77.8146% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 1,394 |
| Noncurrent loans to loans | 1.4097% | 1,105 |
| Net loans and leases to total assets | 67.0331% | 2,997 |
| Net loans and leases to deposits | 76.4128% | 3,324 |
| Net loans and leases to core deposits | 78.9658% | 3,506 |
| Total domestic deposits to total assets | 87.7250% | 1,436 |
| Equity capital to assets | 12.0472% | 1,866 |
| Core capital (leverage) ratio | 12.6582% | 1,390 |
| Tier 1 risk-based capital ratio | 21.5796% | 1,084 |
| Total risk-based capital ratio | 22.8298% | 1,064 |
| Memoranda: | ||
| Average total assets | $61,793,000 | 4,726 |
| Average earning assets | $55,554,800 | 4,757 |
| Average equity | $7,538,800 | 4,671 |
| Average total loans | $41,110,400 | 4,517 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 3,565 |
| Cost of funding earning assets | 0.2414% | 4,838 |
| Net interest margin | 3.8791% | 2,376 |
| Noninterest income to average assets | 0.5013% | 2,856 |
| Noninterest expense to average assets | 2.9970% | 2,024 |
| Loan and lease loss provision to assets | 0.1107% | 1,823 |
| Net operating income to assets | 0.7401% | 4,106 |
| Return on assets (ROA) | 0.6836% | 4,292 |
| Pretax return on assets | 0.8138% | 4,257 |
| Return on Equity (ROE) | 5.5853% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.5853% | 2,897 |
| Net charge-offs to loans | 0.0098% | 3,074 |
| Credit loss provision to net charge-offs | 1,700.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 152.3300% | 541 |
| Efficiency ratio | 75.1360% | 1,443 |
| Assets per employee ($millions) | 4.1198% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,683 |
| Loan loss allowance to noncurrent loans | 86.4348% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 1,581 |
| Noncurrent loans to loans | 1.3764% | 1,213 |
| Net loans and leases to total assets | 66.7977% | 3,092 |
| Net loans and leases to deposits | 76.4044% | 3,378 |
| Net loans and leases to core deposits | 78.4384% | 3,628 |
| Total domestic deposits to total assets | 87.4266% | 1,533 |
| Equity capital to assets | 12.2077% | 1,768 |
| Core capital (leverage) ratio | 12.9785% | 1,286 |
| Tier 1 risk-based capital ratio | 22.2656% | 1,018 |
| Total risk-based capital ratio | 23.5159% | 997 |
| Memoranda: | ||
| Average total assets | $61,436,750 | 4,784 |
| Average earning assets | $55,234,750 | 4,818 |
| Average equity | $7,519,500 | 4,724 |
| Average total loans | $40,676,250 | 4,576 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 3,500 |
| Cost of funding earning assets | 0.2209% | 4,913 |
| Net interest margin | 3.8669% | 2,326 |
| Noninterest income to average assets | 0.5317% | 2,677 |
| Noninterest expense to average assets | 2.8932% | 2,371 |
| Loan and lease loss provision to assets | 0.1011% | 1,927 |
| Net operating income to assets | 0.8763% | 3,554 |
| Return on assets (ROA) | 0.7893% | 3,891 |
| Pretax return on assets | 0.9198% | 3,911 |
| Return on Equity (ROE) | 6.4436% | 4,079 |
| Retained earnings to average equity (ytd only) | 6.4436% | 2,339 |
| Net charge-offs to loans | 0.0198% | 2,491 |
| Credit loss provision to net charge-offs | 775.0000% | 511 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 784 |
| Efficiency ratio | 72.0552% | 2,004 |
| Assets per employee ($millions) | 4.1280% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 2,962 |
| Loan loss allowance to noncurrent loans | 78.6777% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9771% | 1,541 |
| Noncurrent loans to loans | 1.4660% | 1,152 |
| Net loans and leases to total assets | 65.8802% | 3,172 |
| Net loans and leases to deposits | 75.2541% | 3,420 |
| Net loans and leases to core deposits | 77.2478% | 3,640 |
| Total domestic deposits to total assets | 87.5436% | 1,621 |
| Equity capital to assets | 12.2061% | 1,719 |
| Core capital (leverage) ratio | 12.8258% | 1,308 |
| Tier 1 risk-based capital ratio | 21.6531% | 1,080 |
| Total risk-based capital ratio | 22.9017% | 1,056 |
| Memoranda: | ||
| Average total assets | $61,316,670 | 4,849 |
| Average earning assets | $55,238,330 | 4,874 |
| Average equity | $7,511,330 | 4,772 |
| Average total loans | $40,309,670 | 4,632 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 3,300 |
| Cost of funding earning assets | 0.1967% | 5,037 |
| Net interest margin | 3.8838% | 2,109 |
| Noninterest income to average assets | 0.5113% | 2,741 |
| Noninterest expense to average assets | 2.8911% | 2,402 |
| Loan and lease loss provision to assets | 0.1049% | 1,773 |
| Net operating income to assets | 0.8460% | 3,522 |
| Return on assets (ROA) | 0.6752% | 4,192 |
| Pretax return on assets | 0.8064% | 4,133 |
| Return on Equity (ROE) | 5.5021% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.5021% | 2,950 |
| Net charge-offs to loans | -0.0100% | 4,251 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1768% | 2,168 |
| Assets per employee ($millions) | 4.0537% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,123 |
| Loan loss allowance to noncurrent loans | 107.8704% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 2,193 |
| Noncurrent loans to loans | 1.0604% | 1,727 |
| Net loans and leases to total assets | 66.2314% | 2,999 |
| Net loans and leases to deposits | 75.7007% | 3,246 |
| Net loans and leases to core deposits | 77.7437% | 3,515 |
| Total domestic deposits to total assets | 87.4912% | 1,903 |
| Equity capital to assets | 12.2753% | 1,619 |
| Core capital (leverage) ratio | 12.9270% | 1,208 |
| Tier 1 risk-based capital ratio | 21.7212% | 1,097 |
| Total risk-based capital ratio | 22.9712% | 1,066 |
| Memoranda: | ||
| Average total assets | $61,015,000 | 4,905 |
| Average earning assets | $54,895,000 | 4,939 |
| Average equity | $7,488,000 | 4,823 |
| Average total loans | $39,830,000 | 4,695 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 3,677 |
| Cost of funding earning assets | 0.1921% | 5,006 |
| Net interest margin | 3.7216% | 2,714 |
| Noninterest income to average assets | 0.4753% | 3,157 |
| Noninterest expense to average assets | 3.1068% | 1,845 |
| Loan and lease loss provision to assets | 0.0686% | 2,829 |
| Net operating income to assets | 0.3972% | 4,700 |
| Return on assets (ROA) | 0.3773% | 4,776 |
| Pretax return on assets | 0.5913% | 4,757 |
| Return on Equity (ROE) | 3.0773% | 4,804 |
| Retained earnings to average equity (ytd only) | 2.4112% | 3,889 |
| Net charge-offs to loans | 0.1246% | 1,805 |
| Credit loss provision to net charge-offs | 97.6744% | 2,646 |
| Earnings coverage of net charge-offs (x) | 9.8372% | 2,744 |
| Efficiency ratio | 81.8065% | 941 |
| Assets per employee ($millions) | 4.0817% | 3,838 |
| Cash dividends to net income (ytd only)* | 21.6450% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 3,032 |
| Loan loss allowance to noncurrent loans | 73.7274% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9947% | 1,553 |
| Noncurrent loans to loans | 1.5647% | 1,081 |
| Net loans and leases to total assets | 62.8387% | 3,502 |
| Net loans and leases to deposits | 71.7833% | 3,722 |
| Net loans and leases to core deposits | 73.7031% | 3,899 |
| Total domestic deposits to total assets | 87.5394% | 1,743 |
| Equity capital to assets | 12.2695% | 1,657 |
| Core capital (leverage) ratio | 12.6824% | 1,272 |
| Tier 1 risk-based capital ratio | 22.1047% | 1,007 |
| Total risk-based capital ratio | 23.3537% | 984 |
| Memoranda: | ||
| Average total assets | $61,220,600 | 4,941 |
| Average earning assets | $54,653,600 | 4,981 |
| Average equity | $7,506,600 | 4,858 |
| Average total loans | $34,511,200 | 4,886 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 3,698 |
| Cost of funding earning assets | 0.1933% | 5,027 |
| Net interest margin | 3.7005% | 2,764 |
| Noninterest income to average assets | 0.4813% | 3,143 |
| Noninterest expense to average assets | 2.7899% | 2,761 |
| Loan and lease loss provision to assets | 0.0610% | 2,859 |
| Net operating income to assets | 0.7370% | 3,782 |
| Return on assets (ROA) | 0.7318% | 3,885 |
| Pretax return on assets | 0.9169% | 3,981 |
| Return on Equity (ROE) | 5.9690% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.9690% | 2,254 |
| Net charge-offs to loans | 0.1716% | 1,217 |
| Credit loss provision to net charge-offs | 65.1163% | 2,747 |
| Earnings coverage of net charge-offs (x) | 10.5119% | 2,586 |
| Efficiency ratio | 73.9181% | 1,905 |
| Assets per employee ($millions) | 4.0578% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,786 |
| Loan loss allowance to noncurrent loans | 83.4933% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 2,011 |
| Noncurrent loans to loans | 1.4648% | 1,273 |
| Net loans and leases to total assets | 57.7209% | 4,090 |
| Net loans and leases to deposits | 66.4115% | 4,220 |
| Net loans and leases to core deposits | 68.2101% | 4,352 |
| Total domestic deposits to total assets | 86.9141% | 1,899 |
| Equity capital to assets | 12.7310% | 1,527 |
| Core capital (leverage) ratio | 12.8568% | 1,268 |
| Tier 1 risk-based capital ratio | 24.1163% | 839 |
| Total risk-based capital ratio | 25.3651% | 818 |
| Memoranda: | ||
| Average total assets | $61,219,500 | 4,994 |
| Average earning assets | $54,477,750 | 5,040 |
| Average equity | $7,505,250 | 4,910 |
| Average total loans | $33,408,500 | 4,962 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 3,679 |
| Cost of funding earning assets | 0.1837% | 5,111 |
| Net interest margin | 3.6772% | 2,730 |
| Noninterest income to average assets | 0.5380% | 2,775 |
| Noninterest expense to average assets | 2.8237% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8163% | 3,320 |
| Return on assets (ROA) | 0.8217% | 3,344 |
| Pretax return on assets | 0.9847% | 3,622 |
| Return on Equity (ROE) | 6.7888% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.7888% | 1,690 |
| Net charge-offs to loans | 0.0245% | 2,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 802 |
| Efficiency ratio | 74.2710% | 1,962 |
| Assets per employee ($millions) | 4.1407% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,490 |
| Loan loss allowance to noncurrent loans | 71.8196% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 1,749 |
| Noncurrent loans to loans | 1.7891% | 1,012 |
| Net loans and leases to total assets | 55.1666% | 4,297 |
| Net loans and leases to deposits | 63.1769% | 4,419 |
| Net loans and leases to core deposits | 64.8424% | 4,549 |
| Total domestic deposits to total assets | 87.3209% | 1,794 |
| Equity capital to assets | 12.3974% | 1,672 |
| Core capital (leverage) ratio | 12.6466% | 1,317 |
| Tier 1 risk-based capital ratio | 24.7210% | 782 |
| Total risk-based capital ratio | 25.9706% | 761 |
| Memoranda: | ||
| Average total assets | $61,337,000 | 5,032 |
| Average earning assets | $54,443,000 | 5,077 |
| Average equity | $7,424,000 | 4,941 |
| Average total loans | $32,688,670 | 5,017 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,051 |
| Cost of funding earning assets | 0.1927% | 5,038 |
| Net interest margin | 3.5280% | 3,170 |
| Noninterest income to average assets | 0.5513% | 2,656 |
| Noninterest expense to average assets | 2.9860% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5250% | 4,492 |
| Return on assets (ROA) | 0.5250% | 4,532 |
| Pretax return on assets | 0.6891% | 4,483 |
| Return on Equity (ROE) | 4.3920% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.3920% | 3,230 |
| Net charge-offs to loans | 0.0253% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 871 |
| Efficiency ratio | 81.2500% | 1,227 |
| Assets per employee ($millions) | 4.0901% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 2,158 |
| Loan loss allowance to noncurrent loans | 69.1358% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 1,706 |
| Noncurrent loans to loans | 1.9977% | 894 |
| Net loans and leases to total assets | 52.1410% | 4,504 |
| Net loans and leases to deposits | 59.4006% | 4,608 |
| Net loans and leases to core deposits | 60.9767% | 4,724 |
| Total domestic deposits to total assets | 87.7785% | 1,841 |
| Equity capital to assets | 11.9591% | 1,870 |
| Core capital (leverage) ratio | 12.5134% | 1,336 |
| Tier 1 risk-based capital ratio | 24.9745% | 774 |
| Total risk-based capital ratio | 26.2261% | 756 |
| Memoranda: | ||
| Average total assets | $60,950,500 | 5,096 |
| Average earning assets | $53,968,000 | 5,138 |
| Average equity | $7,286,000 | 5,007 |
| Average total loans | $31,678,000 | 5,105 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,348 |
| Cost of funding earning assets | 0.2228% | 4,803 |
| Net interest margin | 3.4340% | 3,690 |
| Noninterest income to average assets | 0.3830% | 4,013 |
| Noninterest expense to average assets | 3.0354% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3395% | 5,111 |
| Return on assets (ROA) | 0.3573% | 5,150 |
| Pretax return on assets | 0.4201% | 5,186 |
| Return on Equity (ROE) | 2.9826% | 5,168 |
| Retained earnings to average equity (ytd only) | 2.3108% | 4,212 |
| Net charge-offs to loans | 0.0132% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 866 |
| Efficiency ratio | 88.3786% | 647 |
| Assets per employee ($millions) | 3.7844% | 4,333 |
| Cash dividends to net income (ytd only)* | 22.5225% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,852 |
| Loan loss allowance to noncurrent loans | 76.1421% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 1,940 |
| Noncurrent loans to loans | 1.9114% | 965 |
| Net loans and leases to total assets | 50.3204% | 4,744 |
| Net loans and leases to deposits | 57.2973% | 4,837 |
| Net loans and leases to core deposits | 58.8352% | 4,915 |
| Total domestic deposits to total assets | 87.8233% | 1,727 |
| Equity capital to assets | 11.9488% | 1,842 |
| Core capital (leverage) ratio | 12.2925% | 1,436 |
| Tier 1 risk-based capital ratio | 25.8194% | 707 |
| Total risk-based capital ratio | 27.0721% | 691 |
| Memoranda: | ||
| Average total assets | $62,134,400 | 5,086 |
| Average earning assets | $55,213,200 | 5,141 |
| Average equity | $7,443,200 | 5,016 |
| Average total loans | $30,317,000 | 5,177 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 4,420 |
| Cost of funding earning assets | 0.2303% | 4,785 |
| Net interest margin | 3.4159% | 3,794 |
| Noninterest income to average assets | 0.3731% | 4,108 |
| Noninterest expense to average assets | 2.8615% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3952% | 5,031 |
| Return on assets (ROA) | 0.4137% | 5,069 |
| Pretax return on assets | 0.5736% | 4,949 |
| Return on Equity (ROE) | 3.4510% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.4510% | 3,830 |
| Net charge-offs to loans | 0.0177% | 3,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 64.2889% | 905 |
| Efficiency ratio | 83.9275% | 998 |
| Assets per employee ($millions) | 3.8283% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 1,870 |
| Loan loss allowance to noncurrent loans | 63.2911% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 1,728 |
| Noncurrent loans to loans | 2.3271% | 788 |
| Net loans and leases to total assets | 49.1462% | 4,882 |
| Net loans and leases to deposits | 56.4625% | 4,963 |
| Net loans and leases to core deposits | 57.9729% | 5,053 |
| Total domestic deposits to total assets | 87.0421% | 1,873 |
| Equity capital to assets | 12.5171% | 1,771 |
| Core capital (leverage) ratio | 12.1265% | 1,586 |
| Tier 1 risk-based capital ratio | 26.4070% | 684 |
| Total risk-based capital ratio | 27.6599% | 667 |
| Memoranda: | ||
| Average total assets | $62,530,500 | 5,130 |
| Average earning assets | $55,582,500 | 5,181 |
| Average equity | $7,495,250 | 5,060 |
| Average total loans | $30,166,500 | 5,231 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 4,472 |
| Cost of funding earning assets | 0.2361% | 4,791 |
| Net interest margin | 3.4050% | 3,874 |
| Noninterest income to average assets | 0.3685% | 4,115 |
| Noninterest expense to average assets | 2.6907% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5617% | 4,431 |
| Return on assets (ROA) | 0.5718% | 4,518 |
| Pretax return on assets | 0.7148% | 4,573 |
| Return on Equity (ROE) | 4.8400% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.8400% | 2,837 |
| Net charge-offs to loans | 0.0266% | 2,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 55.2500% | 925 |
| Efficiency ratio | 79.3071% | 1,589 |
| Assets per employee ($millions) | 3.8782% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 1,984 |
| Loan loss allowance to noncurrent loans | 107.6555% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 2,983 |
| Noncurrent loans to loans | 1.3654% | 1,638 |
| Net loans and leases to total assets | 48.6100% | 4,939 |
| Net loans and leases to deposits | 55.6903% | 5,038 |
| Net loans and leases to core deposits | 57.1540% | 5,121 |
| Total domestic deposits to total assets | 87.2863% | 1,764 |
| Equity capital to assets | 12.3753% | 1,849 |
| Core capital (leverage) ratio | 11.8981% | 1,702 |
| Tier 1 risk-based capital ratio | 26.2231% | 710 |
| Total risk-based capital ratio | 27.4766% | 697 |
| Memoranda: | ||
| Average total assets | $62,956,670 | 5,174 |
| Average earning assets | $55,917,670 | 5,222 |
| Average equity | $7,438,000 | 5,113 |
| Average total loans | $30,037,670 | 5,293 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,351 |
| Cost of funding earning assets | 0.2437% | 4,766 |
| Net interest margin | 3.4481% | 3,676 |
| Noninterest income to average assets | 0.2271% | 5,112 |
| Noninterest expense to average assets | 2.6873% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4479% | 4,840 |
| Return on assets (ROA) | 0.4479% | 4,920 |
| Pretax return on assets | 0.5740% | 4,893 |
| Return on Equity (ROE) | 3.8811% | 4,932 |
| Retained earnings to average equity (ytd only) | 3.8811% | 3,556 |
| Net charge-offs to loans | 0.0403% | 2,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,176 |
| Efficiency ratio | 82.3985% | 1,338 |
| Assets per employee ($millions) | 3.9723% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 1,895 |
| Loan loss allowance to noncurrent loans | 96.5665% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 2,883 |
| Noncurrent loans to loans | 1.5769% | 1,476 |
| Net loans and leases to total assets | 45.7888% | 5,132 |
| Net loans and leases to deposits | 52.0050% | 5,228 |
| Net loans and leases to core deposits | 53.3258% | 5,297 |
| Total domestic deposits to total assets | 88.0469% | 1,613 |
| Equity capital to assets | 11.6809% | 2,263 |
| Core capital (leverage) ratio | 11.7559% | 1,788 |
| Tier 1 risk-based capital ratio | 26.2169% | 721 |
| Total risk-based capital ratio | 27.4709% | 704 |
| Memoranda: | ||
| Average total assets | $63,409,500 | 5,213 |
| Average earning assets | $55,799,000 | 5,272 |
| Average equity | $7,317,500 | 5,172 |
| Average total loans | $29,750,000 | 5,347 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 4,224 |
| Cost of funding earning assets | 0.2721% | 4,558 |
| Net interest margin | 3.4702% | 3,638 |
| Noninterest income to average assets | 0.3776% | 4,199 |
| Noninterest expense to average assets | 2.8692% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4836% | 4,753 |
| Return on assets (ROA) | 0.4923% | 4,814 |
| Pretax return on assets | 0.6277% | 4,758 |
| Return on Equity (ROE) | 4.3356% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.3356% | 2,894 |
| Net charge-offs to loans | 0.0100% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 470 |
| Efficiency ratio | 82.3126% | 1,364 |
| Assets per employee ($millions) | 3.7213% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 1,930 |
| Loan loss allowance to noncurrent loans | 110.7317% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 3,107 |
| Noncurrent loans to loans | 1.3690% | 1,713 |
| Net loans and leases to total assets | 46.6220% | 5,119 |
| Net loans and leases to deposits | 52.7592% | 5,238 |
| Net loans and leases to core deposits | 54.0986% | 5,311 |
| Total domestic deposits to total assets | 88.3674% | 1,439 |
| Equity capital to assets | 11.3986% | 2,449 |
| Core capital (leverage) ratio | 11.6631% | 1,839 |
| Tier 1 risk-based capital ratio | 25.5767% | 770 |
| Total risk-based capital ratio | 26.8293% | 751 |
| Memoranda: | ||
| Average total assets | $62,769,200 | 5,248 |
| Average earning assets | $56,221,600 | 5,286 |
| Average equity | $7,127,000 | 5,219 |
| Average total loans | $30,075,000 | 5,354 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 4,284 |
| Cost of funding earning assets | 0.2762% | 4,598 |
| Net interest margin | 3.4658% | 3,690 |
| Noninterest income to average assets | 0.3299% | 4,580 |
| Noninterest expense to average assets | 2.5497% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6741% | 4,016 |
| Return on assets (ROA) | 0.6853% | 4,084 |
| Pretax return on assets | 0.9194% | 3,917 |
| Return on Equity (ROE) | 6.0417% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.0417% | 2,220 |
| Net charge-offs to loans | 0.0133% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 141.6625% | 488 |
| Efficiency ratio | 73.8139% | 2,590 |
| Assets per employee ($millions) | 3.8626% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 2,046 |
| Loan loss allowance to noncurrent loans | 194.0171% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 4,250 |
| Noncurrent loans to loans | 0.7866% | 2,997 |
| Net loans and leases to total assets | 47.4014% | 5,122 |
| Net loans and leases to deposits | 54.2269% | 5,238 |
| Net loans and leases to core deposits | 55.6516% | 5,323 |
| Total domestic deposits to total assets | 87.4130% | 1,838 |
| Equity capital to assets | 11.8103% | 2,254 |
| Core capital (leverage) ratio | 11.6878% | 1,896 |
| Tier 1 risk-based capital ratio | 25.8198% | 788 |
| Total risk-based capital ratio | 27.0719% | 769 |
| Memoranda: | ||
| Average total assets | $62,646,000 | 5,321 |
| Average earning assets | $56,474,250 | 5,350 |
| Average equity | $7,106,000 | 5,292 |
| Average total loans | $30,106,750 | 5,417 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 4,236 |
| Cost of funding earning assets | 0.2806% | 4,604 |
| Net interest margin | 3.4694% | 3,621 |
| Noninterest income to average assets | 0.3401% | 4,523 |
| Noninterest expense to average assets | 2.4155% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8188% | 3,290 |
| Return on assets (ROA) | 0.8359% | 3,308 |
| Pretax return on assets | 1.0901% | 3,217 |
| Return on Equity (ROE) | 7.4698% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.4698% | 1,493 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3431% | 3,436 |
| Assets per employee ($millions) | 4.9020% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 2,123 |
| Loan loss allowance to noncurrent loans | 91.7671% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 3,043 |
| Noncurrent loans to loans | 1.6762% | 1,553 |
| Net loans and leases to total assets | 45.9043% | 5,253 |
| Net loans and leases to deposits | 52.0127% | 5,379 |
| Net loans and leases to core deposits | 53.3220% | 5,466 |
| Total domestic deposits to total assets | 88.2560% | 1,515 |
| Equity capital to assets | 11.1116% | 2,766 |
| Core capital (leverage) ratio | 11.5410% | 1,962 |
| Tier 1 risk-based capital ratio | 25.5475% | 814 |
| Total risk-based capital ratio | 26.7998% | 802 |
| Memoranda: | ||
| Average total assets | $62,927,330 | 5,375 |
| Average earning assets | $57,013,000 | 5,396 |
| Average equity | $7,041,670 | 5,348 |
| Average total loans | $30,226,000 | 5,463 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 3,731 |
| Cost of funding earning assets | 0.2991% | 4,452 |
| Net interest margin | 3.5749% | 3,101 |
| Noninterest income to average assets | 0.3263% | 4,576 |
| Noninterest expense to average assets | 2.3222% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0448% | 2,053 |
| Return on assets (ROA) | 1.0811% | 2,047 |
| Pretax return on assets | 1.3370% | 2,128 |
| Return on Equity (ROE) | 9.6269% | 2,168 |
| Retained earnings to average equity (ytd only) | 9.6269% | 1,012 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2478% | 4,440 |
| Assets per employee ($millions) | 5.2072% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 2,436 |
| Loan loss allowance to noncurrent loans | 115.1134% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 3,593 |
| Noncurrent loans to loans | 1.3042% | 2,206 |
| Net loans and leases to total assets | 47.9851% | 5,033 |
| Net loans and leases to deposits | 54.5739% | 5,154 |
| Net loans and leases to core deposits | 56.6687% | 5,210 |
| Total domestic deposits to total assets | 87.9269% | 1,873 |
| Equity capital to assets | 11.4714% | 2,490 |
| Core capital (leverage) ratio | 11.5232% | 1,985 |
| Tier 1 risk-based capital ratio | 25.7042% | 815 |
| Total risk-based capital ratio | 26.9557% | 798 |
| Memoranda: | ||
| Average total assets | $62,528,000 | 5,438 |
| Average earning assets | $57,512,500 | 5,436 |
| Average equity | $7,022,000 | 5,400 |
| Average total loans | $30,484,000 | 5,487 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8385% | 4,358 |
| Cost of funding earning assets | 0.3728% | 4,003 |
| Net interest margin | 3.4656% | 3,918 |
| Noninterest income to average assets | 0.2886% | 5,054 |
| Noninterest expense to average assets | 2.5522% | 4,388 |
| Loan and lease loss provision to assets | 0.0265% | 4,076 |
| Net operating income to assets | 0.6534% | 4,120 |
| Return on assets (ROA) | 0.6568% | 4,206 |
| Pretax return on assets | 0.9048% | 3,885 |
| Return on Equity (ROE) | 6.4690% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.4690% | 1,663 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3632% | 2,951 |
| Assets per employee ($millions) | 5.2142% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 2,492 |
| Loan loss allowance to noncurrent loans | 112.5616% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 3,624 |
| Noncurrent loans to loans | 1.3300% | 2,213 |
| Net loans and leases to total assets | 48.0582% | 5,150 |
| Net loans and leases to deposits | 54.1490% | 5,322 |
| Net loans and leases to core deposits | 56.4282% | 5,354 |
| Total domestic deposits to total assets | 88.7518% | 1,388 |
| Equity capital to assets | 10.9893% | 2,905 |
| Core capital (leverage) ratio | 11.0936% | 2,321 |
| Tier 1 risk-based capital ratio | 25.2791% | 813 |
| Total risk-based capital ratio | 26.5355% | 800 |
| Memoranda: | ||
| Average total assets | $64,100,400 | 5,442 |
| Average earning assets | $59,008,000 | 5,427 |
| Average equity | $6,508,000 | 5,523 |
| Average total loans | $29,511,400 | 5,578 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 4,351 |
| Cost of funding earning assets | 0.3959% | 3,835 |
| Net interest margin | 3.4594% | 3,978 |
| Noninterest income to average assets | 0.2729% | 5,258 |
| Noninterest expense to average assets | 2.2786% | 5,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9294% | 2,783 |
| Return on assets (ROA) | 0.9408% | 2,816 |
| Pretax return on assets | 1.1889% | 2,824 |
| Return on Equity (ROE) | 9.4553% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.4553% | 854 |
| Net charge-offs to loans | -0.0091% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9880% | 4,215 |
| Assets per employee ($millions) | 5.3590% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 2,817 |
| Loan loss allowance to noncurrent loans | 58.7766% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1694% | 2,610 |
| Noncurrent loans to loans | 2.5201% | 1,159 |
| Net loans and leases to total assets | 45.7144% | 5,406 |
| Net loans and leases to deposits | 51.4365% | 5,564 |
| Net loans and leases to core deposits | 53.5512% | 5,591 |
| Total domestic deposits to total assets | 88.8754% | 1,316 |
| Equity capital to assets | 10.5834% | 3,451 |
| Core capital (leverage) ratio | 10.9031% | 2,577 |
| Tier 1 risk-based capital ratio | 24.6645% | 907 |
| Total risk-based capital ratio | 25.9193% | 898 |
| Memoranda: | ||
| Average total assets | $64,483,000 | 5,498 |
| Average earning assets | $59,276,000 | 5,472 |
| Average equity | $6,416,000 | 5,602 |
| Average total loans | $29,257,500 | 5,650 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 4,346 |
| Cost of funding earning assets | 0.4117% | 3,751 |
| Net interest margin | 3.4351% | 4,039 |
| Noninterest income to average assets | 0.3471% | 4,656 |
| Noninterest expense to average assets | 2.2466% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0112% | 2,287 |
| Return on assets (ROA) | 1.0288% | 2,272 |
| Pretax return on assets | 1.2767% | 2,346 |
| Return on Equity (ROE) | 10.5632% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.5632% | 605 |
| Net charge-offs to loans | -0.0138% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1593% | 4,665 |
| Assets per employee ($millions) | 5.3655% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 2,890 |
| Loan loss allowance to noncurrent loans | 80.3636% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 3,405 |
| Noncurrent loans to loans | 1.8685% | 1,841 |
| Net loans and leases to total assets | 45.0315% | 5,463 |
| Net loans and leases to deposits | 50.4524% | 5,606 |
| Net loans and leases to core deposits | 52.5044% | 5,641 |
| Total domestic deposits to total assets | 89.2554% | 1,220 |
| Equity capital to assets | 10.3408% | 3,631 |
| Core capital (leverage) ratio | 10.7837% | 2,640 |
| Tier 1 risk-based capital ratio | 24.4196% | 941 |
| Total risk-based capital ratio | 25.6734% | 917 |
| Memoranda: | ||
| Average total assets | $64,541,330 | 5,542 |
| Average earning assets | $59,271,330 | 5,526 |
| Average equity | $6,286,000 | 5,658 |
| Average total loans | $29,063,330 | 5,694 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 4,156 |
| Cost of funding earning assets | 0.4515% | 3,410 |
| Net interest margin | 3.4303% | 3,982 |
| Noninterest income to average assets | 0.2724% | 5,193 |
| Noninterest expense to average assets | 2.2656% | 5,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9190% | 2,554 |
| Return on assets (ROA) | 0.9533% | 2,464 |
| Pretax return on assets | 1.2009% | 2,484 |
| Return on Equity (ROE) | 10.0984% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.0984% | 935 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1844% | 4,501 |
| Assets per employee ($millions) | 5.3762% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 3,035 |
| Loan loss allowance to noncurrent loans | 84.7784% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 3,730 |
| Noncurrent loans to loans | 1.7998% | 2,141 |
| Net loans and leases to total assets | 44.0153% | 5,514 |
| Net loans and leases to deposits | 48.9561% | 5,673 |
| Net loans and leases to core deposits | 51.4038% | 5,656 |
| Total domestic deposits to total assets | 89.9076% | 1,125 |
| Equity capital to assets | 9.7219% | 4,203 |
| Core capital (leverage) ratio | 10.5071% | 2,924 |
| Tier 1 risk-based capital ratio | 24.1326% | 982 |
| Total risk-based capital ratio | 25.3865% | 965 |
| Memoranda: | ||
| Average total assets | $64,619,000 | 5,607 |
| Average earning assets | $59,354,000 | 5,579 |
| Average equity | $6,100,000 | 5,726 |
| Average total loans | $28,877,000 | 5,754 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 4,385 |
| Cost of funding earning assets | 0.6243% | 2,443 |
| Net interest margin | 3.2964% | 4,680 |
| Noninterest income to average assets | 0.2604% | 5,485 |
| Noninterest expense to average assets | 2.4551% | 4,908 |
| Loan and lease loss provision to assets | 0.0551% | 4,040 |
| Net operating income to assets | 0.5648% | 4,432 |
| Return on assets (ROA) | 0.5835% | 4,453 |
| Pretax return on assets | 0.8087% | 4,115 |
| Return on Equity (ROE) | 6.0233% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.4424% | 3,013 |
| Net charge-offs to loans | 0.0353% | 4,740 |
| Credit loss provision to net charge-offs | 360.0000% | 634 |
| Earnings coverage of net charge-offs (x) | 54.7000% | 743 |
| Efficiency ratio | 74.5581% | 3,038 |
| Assets per employee ($millions) | 6.4724% | 994 |
| Cash dividends to net income (ytd only)* | 26.2467% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,090 |
| Loan loss allowance to noncurrent loans | 114.5833% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 3,459 |
| Noncurrent loans to loans | 1.3279% | 2,914 |
| Net loans and leases to total assets | 43.9991% | 5,672 |
| Net loans and leases to deposits | 48.6081% | 5,857 |
| Net loans and leases to core deposits | 51.2139% | 5,861 |
| Total domestic deposits to total assets | 90.5182% | 801 |
| Equity capital to assets | 9.1589% | 4,855 |
| Core capital (leverage) ratio | 10.1208% | 3,398 |
| Tier 1 risk-based capital ratio | 23.2740% | 1,057 |
| Total risk-based capital ratio | 24.5290% | 1,033 |
| Memoranda: | ||
| Average total assets | $65,292,800 | 5,610 |
| Average earning assets | $60,066,200 | 5,586 |
| Average equity | $6,325,400 | 5,736 |
| Average total loans | $28,346,800 | 5,835 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8887% | 4,549 |
| Cost of funding earning assets | 0.6581% | 2,293 |
| Net interest margin | 3.2306% | 4,896 |
| Noninterest income to average assets | 0.2588% | 5,590 |
| Noninterest expense to average assets | 2.2434% | 5,499 |
| Loan and lease loss provision to assets | 0.0509% | 3,999 |
| Net operating income to assets | 0.7342% | 3,679 |
| Return on assets (ROA) | 0.7437% | 3,754 |
| Pretax return on assets | 0.9475% | 3,700 |
| Return on Equity (ROE) | 7.5746% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.5746% | 1,601 |
| Net charge-offs to loans | 0.0473% | 4,232 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 48.4111% | 887 |
| Efficiency ratio | 69.4637% | 3,844 |
| Assets per employee ($millions) | 5.9405% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,286 |
| Loan loss allowance to noncurrent loans | 163.1179% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8233% | 4,051 |
| Noncurrent loans to loans | 0.9432% | 3,931 |
| Net loans and leases to total assets | 42.0148% | 5,903 |
| Net loans and leases to deposits | 46.6533% | 6,056 |
| Net loans and leases to core deposits | 49.1242% | 6,062 |
| Total domestic deposits to total assets | 90.0575% | 960 |
| Equity capital to assets | 9.4727% | 4,586 |
| Core capital (leverage) ratio | 10.2630% | 3,300 |
| Tier 1 risk-based capital ratio | 23.5478% | 1,065 |
| Total risk-based capital ratio | 24.8016% | 1,040 |
| Memoranda: | ||
| Average total assets | $65,435,000 | 5,669 |
| Average earning assets | $60,173,500 | 5,645 |
| Average equity | $6,424,750 | 5,782 |
| Average total loans | $28,204,000 | 5,893 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 4,443 |
| Cost of funding earning assets | 0.6919% | 2,125 |
| Net interest margin | 3.2165% | 4,883 |
| Noninterest income to average assets | 0.2719% | 5,508 |
| Noninterest expense to average assets | 2.2699% | 5,448 |
| Loan and lease loss provision to assets | 0.0214% | 4,472 |
| Net operating income to assets | 0.7550% | 3,537 |
| Return on assets (ROA) | 0.7699% | 3,625 |
| Pretax return on assets | 0.9532% | 3,704 |
| Return on Equity (ROE) | 7.7503% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.7503% | 1,580 |
| Net charge-offs to loans | -0.0141% | 5,859 |
| Credit loss provision to net charge-offs | -350.0000% | 5,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3598% | 3,756 |
| Assets per employee ($millions) | 5.9023% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,471 |
| Loan loss allowance to noncurrent loans | 43.3402% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 1.9807% | 2,172 |
| Noncurrent loans to loans | 3.5138% | 1,203 |
| Net loans and leases to total assets | 42.1302% | 5,893 |
| Net loans and leases to deposits | 46.9418% | 6,047 |
| Net loans and leases to core deposits | 49.4442% | 6,055 |
| Total domestic deposits to total assets | 89.7497% | 1,174 |
| Equity capital to assets | 9.6296% | 4,415 |
| Core capital (leverage) ratio | 9.9572% | 3,576 |
| Tier 1 risk-based capital ratio | 23.0484% | 1,125 |
| Total risk-based capital ratio | 24.3005% | 1,111 |
| Memoranda: | ||
| Average total assets | $65,464,670 | 5,711 |
| Average earning assets | $60,127,000 | 5,690 |
| Average equity | $6,503,000 | 5,810 |
| Average total loans | $28,310,670 | 5,920 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 4,473 |
| Cost of funding earning assets | 0.7193% | 2,064 |
| Net interest margin | 3.1809% | 4,995 |
| Noninterest income to average assets | 0.2495% | 5,673 |
| Noninterest expense to average assets | 2.3002% | 5,423 |
| Loan and lease loss provision to assets | 0.0426% | 3,892 |
| Net operating income to assets | 0.6636% | 3,882 |
| Return on assets (ROA) | 0.6876% | 3,896 |
| Pretax return on assets | 0.8702% | 3,872 |
| Return on Equity (ROE) | 6.8190% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.8190% | 2,244 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2753% | 3,567 |
| Assets per employee ($millions) | 6.0237% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 3,873 |
| Loan loss allowance to noncurrent loans | 74.7780% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 3,322 |
| Noncurrent loans to loans | 1.9928% | 2,625 |
| Net loans and leases to total assets | 42.0021% | 5,841 |
| Net loans and leases to deposits | 47.0015% | 5,990 |
| Net loans and leases to core deposits | 49.2323% | 6,019 |
| Total domestic deposits to total assets | 89.3633% | 1,448 |
| Equity capital to assets | 9.9863% | 4,166 |
| Core capital (leverage) ratio | 9.8204% | 3,640 |
| Tier 1 risk-based capital ratio | 22.7287% | 1,201 |
| Total risk-based capital ratio | 23.9828% | 1,182 |
| Memoranda: | ||
| Average total assets | $65,734,500 | 5,748 |
| Average earning assets | $60,611,000 | 5,727 |
| Average equity | $6,628,500 | 5,838 |
| Average total loans | $28,578,000 | 5,952 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 4,050 |
| Cost of funding earning assets | 0.9346% | 1,739 |
| Net interest margin | 3.4071% | 4,860 |
| Noninterest income to average assets | 0.2517% | 5,666 |
| Noninterest expense to average assets | 2.5024% | 5,082 |
| Loan and lease loss provision to assets | 0.0519% | 5,164 |
| Net operating income to assets | 0.5820% | 4,318 |
| Return on assets (ROA) | 0.5820% | 4,581 |
| Pretax return on assets | 0.8053% | 4,270 |
| Return on Equity (ROE) | 5.6972% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.6972% | 2,257 |
| Net charge-offs to loans | 0.0269% | 5,523 |
| Credit loss provision to net charge-offs | 412.5000% | 585 |
| Earnings coverage of net charge-offs (x) | 68.1250% | 533 |
| Efficiency ratio | 74.4850% | 2,991 |
| Assets per employee ($millions) | 5.9280% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,003 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.4277% | 3,256 |
| Noncurrent loans to loans | 2.1485% | 2,524 |
| Net loans and leases to total assets | 43.6910% | 5,843 |
| Net loans and leases to deposits | 48.8931% | 6,043 |
| Net loans and leases to core deposits | 51.4827% | 6,052 |
| Total domestic deposits to total assets | 89.3602% | 1,325 |
| Equity capital to assets | 10.1828% | 3,910 |
| Core capital (leverage) ratio | 9.7146% | 3,782 |
| Tier 1 risk-based capital ratio | 22.3700% | 1,202 |
| Total risk-based capital ratio | 23.6228% | 1,175 |
| Memoranda: | ||
| Average total assets | $63,578,800 | 5,835 |
| Average earning assets | $57,995,800 | 5,816 |
| Average equity | $6,494,400 | 5,893 |
| Average total loans | $29,793,400 | 5,959 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 3,857 |
| Cost of funding earning assets | 0.9808% | 1,674 |
| Net interest margin | 3.4631% | 4,795 |
| Noninterest income to average assets | 0.2617% | 5,689 |
| Noninterest expense to average assets | 2.1507% | 6,067 |
| Loan and lease loss provision to assets | 0.0697% | 4,802 |
| Net operating income to assets | 0.9540% | 2,729 |
| Return on assets (ROA) | 0.9540% | 2,950 |
| Pretax return on assets | 1.1862% | 3,034 |
| Return on Equity (ROE) | 9.3318% | 2,658 |
| Retained earnings to average equity (ytd only) | 9.3318% | 1,115 |
| Net charge-offs to loans | 0.0400% | 5,090 |
| Credit loss provision to net charge-offs | 366.6667% | 733 |
| Earnings coverage of net charge-offs (x) | 66.1092% | 609 |
| Efficiency ratio | 63.1351% | 4,954 |
| Assets per employee ($millions) | 5.7854% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 4,322 |
| Loan loss allowance to noncurrent loans | 104.2929% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.3058% | 3,681 |
| Noncurrent loans to loans | 1.3542% | 3,758 |
| Net loans and leases to total assets | 45.3024% | 5,841 |
| Net loans and leases to deposits | 51.1587% | 6,029 |
| Net loans and leases to core deposits | 54.2060% | 6,036 |
| Total domestic deposits to total assets | 88.5526% | 1,692 |
| Equity capital to assets | 10.6601% | 3,652 |
| Core capital (leverage) ratio | 10.0435% | 3,485 |
| Tier 1 risk-based capital ratio | 22.6910% | 1,223 |
| Total risk-based capital ratio | 23.9453% | 1,201 |
| Memoranda: | ||
| Average total assets | $63,171,500 | 5,909 |
| Average earning assets | $57,365,000 | 5,896 |
| Average equity | $6,458,000 | 5,973 |
| Average total loans | $30,015,750 | 6,018 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 3,914 |
| Cost of funding earning assets | 1.0135% | 1,687 |
| Net interest margin | 3.4528% | 4,869 |
| Noninterest income to average assets | 0.2825% | 5,553 |
| Noninterest expense to average assets | 2.1328% | 6,172 |
| Loan and lease loss provision to assets | 0.0762% | 4,668 |
| Net operating income to assets | 0.9871% | 2,524 |
| Return on assets (ROA) | 0.9871% | 2,754 |
| Pretax return on assets | 1.2092% | 2,880 |
| Return on Equity (ROE) | 9.7963% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.7963% | 1,032 |
| Net charge-offs to loans | 0.0462% | 4,744 |
| Credit loss provision to net charge-offs | 342.8571% | 859 |
| Earnings coverage of net charge-offs (x) | 57.8571% | 654 |
| Efficiency ratio | 62.3955% | 5,185 |
| Assets per employee ($millions) | 5.8035% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 4,530 |
| Loan loss allowance to noncurrent loans | 56.7832% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.5508% | 3,377 |
| Noncurrent loans to loans | 2.4331% | 2,472 |
| Net loans and leases to total assets | 45.3954% | 5,882 |
| Net loans and leases to deposits | 50.9422% | 6,113 |
| Net loans and leases to core deposits | 53.9283% | 6,097 |
| Total domestic deposits to total assets | 89.1117% | 1,446 |
| Equity capital to assets | 10.2743% | 3,967 |
| Core capital (leverage) ratio | 9.8560% | 3,643 |
| Tier 1 risk-based capital ratio | 22.3269% | 1,227 |
| Total risk-based capital ratio | 23.5781% | 1,212 |
| Memoranda: | ||
| Average total assets | $63,015,670 | 5,947 |
| Average earning assets | $57,228,670 | 5,934 |
| Average equity | $6,349,330 | 6,024 |
| Average total loans | $30,273,330 | 6,053 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 4,136 |
| Cost of funding earning assets | 1.0443% | 1,716 |
| Net interest margin | 3.4011% | 5,115 |
| Noninterest income to average assets | 0.2939% | 5,516 |
| Noninterest expense to average assets | 2.2618% | 5,874 |
| Loan and lease loss provision to assets | 0.0319% | 4,969 |
| Net operating income to assets | 0.8562% | 3,126 |
| Return on assets (ROA) | 0.8562% | 3,361 |
| Pretax return on assets | 1.0798% | 3,399 |
| Return on Equity (ROE) | 8.5836% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.5836% | 1,743 |
| Net charge-offs to loans | 0.0781% | 3,716 |
| Credit loss provision to net charge-offs | 83.3333% | 2,671 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 947 |
| Efficiency ratio | 67.0455% | 4,351 |
| Assets per employee ($millions) | 5.7821% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 5,142 |
| Loan loss allowance to noncurrent loans | 35.0497% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 2.1729% | 2,713 |
| Noncurrent loans to loans | 3.6313% | 1,709 |
| Net loans and leases to total assets | 47.3201% | 5,642 |
| Net loans and leases to deposits | 52.8194% | 5,911 |
| Net loans and leases to core deposits | 55.8987% | 5,911 |
| Total domestic deposits to total assets | 89.5885% | 1,312 |
| Equity capital to assets | 9.8910% | 4,265 |
| Core capital (leverage) ratio | 9.7315% | 3,735 |
| Tier 1 risk-based capital ratio | 21.1313% | 1,468 |
| Total risk-based capital ratio | 22.3811% | 1,436 |
| Memoranda: | ||
| Average total assets | $62,604,000 | 5,992 |
| Average earning assets | $56,688,000 | 5,988 |
| Average equity | $6,244,500 | 6,084 |
| Average total loans | $30,717,000 | 6,073 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 2,814 |
| Cost of funding earning assets | 1.2015% | 2,015 |
| Net interest margin | 3.8130% | 3,756 |
| Noninterest income to average assets | 0.2633% | 5,648 |
| Noninterest expense to average assets | 2.6231% | 5,005 |
| Loan and lease loss provision to assets | 0.1945% | 4,236 |
| Net operating income to assets | 0.6106% | 3,945 |
| Return on assets (ROA) | 0.6868% | 3,736 |
| Pretax return on assets | 1.0224% | 3,154 |
| Return on Equity (ROE) | 6.5651% | 3,606 |
| Retained earnings to average equity (ytd only) | 5.7424% | 2,154 |
| Net charge-offs to loans | 0.1918% | 4,606 |
| Credit loss provision to net charge-offs | 185.2459% | 1,394 |
| Earnings coverage of net charge-offs (x) | 10.5082% | 1,831 |
| Efficiency ratio | 70.3926% | 3,866 |
| Assets per employee ($millions) | 5.6005% | 1,537 |
| Cash dividends to net income (ytd only)* | 12.5313% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 5,130 |
| Loan loss allowance to noncurrent loans | 26.9391% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 2.7904% | 2,170 |
| Noncurrent loans to loans | 4.6657% | 1,266 |
| Net loans and leases to total assets | 49.6064% | 5,643 |
| Net loans and leases to deposits | 55.5566% | 5,924 |
| Net loans and leases to core deposits | 58.9131% | 5,944 |
| Total domestic deposits to total assets | 89.2898% | 1,372 |
| Equity capital to assets | 10.0609% | 4,087 |
| Core capital (leverage) ratio | 9.7891% | 3,620 |
| Tier 1 risk-based capital ratio | 20.5296% | 1,516 |
| Total risk-based capital ratio | 21.7813% | 1,482 |
| Memoranda: | ||
| Average total assets | $58,099,400 | 6,103 |
| Average earning assets | $52,766,600 | 6,090 |
| Average equity | $6,077,600 | 6,135 |
| Average total loans | $31,798,600 | 6,082 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1194% | 2,513 |
| Cost of funding earning assets | 1.2312% | 2,112 |
| Net interest margin | 3.8882% | 3,441 |
| Noninterest income to average assets | 0.2726% | 5,668 |
| Noninterest expense to average assets | 2.2531% | 6,160 |
| Loan and lease loss provision to assets | 0.2050% | 3,972 |
| Net operating income to assets | 1.0904% | 2,008 |
| Return on assets (ROA) | 1.2093% | 1,737 |
| Pretax return on assets | 1.5005% | 1,651 |
| Return on Equity (ROE) | 11.4424% | 1,706 |
| Retained earnings to average equity (ytd only) | 11.4424% | 563 |
| Net charge-offs to loans | 0.2541% | 3,848 |
| Credit loss provision to net charge-offs | 144.2623% | 2,202 |
| Earnings coverage of net charge-offs (x) | 10.9674% | 1,856 |
| Efficiency ratio | 59.1076% | 5,852 |
| Assets per employee ($millions) | 5.4397% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 5,657 |
| Loan loss allowance to noncurrent loans | 38.3966% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 2.1692% | 2,938 |
| Noncurrent loans to loans | 3.0084% | 2,297 |
| Net loans and leases to total assets | 52.0547% | 5,440 |
| Net loans and leases to deposits | 58.8932% | 5,759 |
| Net loans and leases to core deposits | 61.6951% | 5,840 |
| Total domestic deposits to total assets | 88.3885% | 1,814 |
| Equity capital to assets | 10.7626% | 3,410 |
| Core capital (leverage) ratio | 10.4464% | 2,937 |
| Tier 1 risk-based capital ratio | 20.9492% | 1,465 |
| Total risk-based capital ratio | 22.1911% | 1,443 |
| Memoranda: | ||
| Average total assets | $57,223,000 | 6,179 |
| Average earning assets | $52,088,250 | 6,170 |
| Average equity | $6,047,500 | 6,189 |
| Average total loans | $32,011,000 | 6,134 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 2,346 |
| Cost of funding earning assets | 1.2568% | 2,208 |
| Net interest margin | 3.9228% | 3,204 |
| Noninterest income to average assets | 0.2875% | 5,583 |
| Noninterest expense to average assets | 2.2750% | 6,186 |
| Loan and lease loss provision to assets | 0.0781% | 5,336 |
| Net operating income to assets | 1.2174% | 1,521 |
| Return on assets (ROA) | 1.2174% | 1,603 |
| Pretax return on assets | 1.5013% | 1,528 |
| Return on Equity (ROE) | 11.5944% | 1,608 |
| Retained earnings to average equity (ytd only) | 11.5944% | 579 |
| Net charge-offs to loans | 0.0124% | 5,675 |
| Credit loss provision to net charge-offs | 1,100.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 222.5000% | 162 |
| Efficiency ratio | 59.0239% | 6,023 |
| Assets per employee ($millions) | 5.7588% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 5,892 |
| Loan loss allowance to noncurrent loans | 32.1043% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 2.4085% | 2,747 |
| Noncurrent loans to loans | 3.4790% | 2,031 |
| Net loans and leases to total assets | 54.8830% | 5,165 |
| Net loans and leases to deposits | 62.0066% | 5,502 |
| Net loans and leases to core deposits | 64.7279% | 5,639 |
| Total domestic deposits to total assets | 88.5115% | 1,846 |
| Equity capital to assets | 10.7835% | 3,188 |
| Core capital (leverage) ratio | 10.3409% | 2,891 |
| Tier 1 risk-based capital ratio | 20.1786% | 1,575 |
| Total risk-based capital ratio | 21.3865% | 1,563 |
| Memoranda: | ||
| Average total assets | $56,351,670 | 6,251 |
| Average earning assets | $51,239,330 | 6,248 |
| Average equity | $5,916,670 | 6,255 |
| Average total loans | $32,177,330 | 6,179 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 2,284 |
| Cost of funding earning assets | 1.2920% | 2,229 |
| Net interest margin | 3.8918% | 3,182 |
| Noninterest income to average assets | 0.2871% | 5,624 |
| Noninterest expense to average assets | 2.4761% | 5,640 |
| Loan and lease loss provision to assets | 0.0718% | 5,109 |
| Net operating income to assets | 0.9761% | 2,259 |
| Return on assets (ROA) | 0.9761% | 2,320 |
| Pretax return on assets | 1.2632% | 2,155 |
| Return on Equity (ROE) | 9.4281% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.4281% | 1,253 |
| Net charge-offs to loans | 0.0124% | 4,910 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 170 |
| Efficiency ratio | 64.9718% | 5,193 |
| Assets per employee ($millions) | 5.6661% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 6,120 |
| Loan loss allowance to noncurrent loans | 63.2541% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4507% | 4,094 |
| Noncurrent loans to loans | 1.7089% | 3,928 |
| Net loans and leases to total assets | 55.8797% | 5,013 |
| Net loans and leases to deposits | 62.6573% | 5,427 |
| Net loans and leases to core deposits | 64.7511% | 5,644 |
| Total domestic deposits to total assets | 89.1830% | 1,652 |
| Equity capital to assets | 10.2893% | 3,428 |
| Core capital (leverage) ratio | 10.3481% | 2,761 |
| Tier 1 risk-based capital ratio | 19.5496% | 1,682 |
| Total risk-based capital ratio | 20.7248% | 1,668 |
| Memoranda: | ||
| Average total assets | $55,733,500 | 6,317 |
| Average earning assets | $50,464,500 | 6,328 |
| Average equity | $5,770,000 | 6,316 |
| Average total loans | $32,284,500 | 6,223 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5973% | 1,897 |
| Cost of funding earning assets | 1.4490% | 2,958 |
| Net interest margin | 4.1483% | 2,372 |
| Noninterest income to average assets | 0.2644% | 5,897 |
| Noninterest expense to average assets | 2.8175% | 4,531 |
| Loan and lease loss provision to assets | 0.1256% | 5,907 |
| Net operating income to assets | 0.7724% | 2,917 |
| Return on assets (ROA) | 0.7724% | 3,040 |
| Pretax return on assets | 1.0958% | 2,595 |
| Return on Equity (ROE) | 7.1886% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.1886% | 1,241 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7598% | 4,230 |
| Assets per employee ($millions) | 5.4806% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 6,219 |
| Loan loss allowance to noncurrent loans | 154.5872% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 5,220 |
| Noncurrent loans to loans | 0.6695% | 5,705 |
| Net loans and leases to total assets | 58.7965% | 4,896 |
| Net loans and leases to deposits | 65.9611% | 5,408 |
| Net loans and leases to core deposits | 68.2524% | 5,638 |
| Total domestic deposits to total assets | 89.1381% | 1,581 |
| Equity capital to assets | 10.4186% | 3,253 |
| Core capital (leverage) ratio | 10.1447% | 2,933 |
| Tier 1 risk-based capital ratio | 19.0620% | 1,704 |
| Total risk-based capital ratio | 20.2048% | 1,701 |
| Memoranda: | ||
| Average total assets | $52,564,600 | 6,442 |
| Average earning assets | $47,827,000 | 6,440 |
| Average equity | $5,647,800 | 6,468 |
| Average total loans | $32,497,400 | 6,289 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6382% | 1,921 |
| Cost of funding earning assets | 1.4616% | 3,212 |
| Net interest margin | 4.1765% | 2,310 |
| Noninterest income to average assets | 0.2718% | 5,937 |
| Noninterest expense to average assets | 2.5664% | 5,442 |
| Loan and lease loss provision to assets | 0.1205% | 5,823 |
| Net operating income to assets | 1.1050% | 1,871 |
| Return on assets (ROA) | 1.1050% | 1,976 |
| Pretax return on assets | 1.3870% | 1,922 |
| Return on Equity (ROE) | 10.2028% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.2028% | 752 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9956% | 5,432 |
| Assets per employee ($millions) | 5.4824% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 6,513 |
| Loan loss allowance to noncurrent loans | 72.1088% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.3060% | 4,534 |
| Noncurrent loans to loans | 1.3468% | 4,610 |
| Net loans and leases to total assets | 59.1475% | 5,074 |
| Net loans and leases to deposits | 66.9841% | 5,548 |
| Net loans and leases to core deposits | 69.3151% | 5,820 |
| Total domestic deposits to total assets | 88.3007% | 1,794 |
| Equity capital to assets | 10.8310% | 3,137 |
| Core capital (leverage) ratio | 10.5055% | 2,679 |
| Tier 1 risk-based capital ratio | 19.3249% | 1,681 |
| Total risk-based capital ratio | 20.4135% | 1,681 |
| Memoranda: | ||
| Average total assets | $52,004,250 | 6,540 |
| Average earning assets | $47,342,750 | 6,540 |
| Average equity | $5,632,250 | 6,559 |
| Average total loans | $32,481,500 | 6,368 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6873% | 1,814 |
| Cost of funding earning assets | 1.4678% | 3,441 |
| Net interest margin | 4.2195% | 2,091 |
| Noninterest income to average assets | 0.2820% | 5,886 |
| Noninterest expense to average assets | 2.6986% | 4,912 |
| Loan and lease loss provision to assets | 0.1371% | 5,521 |
| Net operating income to assets | 1.0144% | 2,143 |
| Return on assets (ROA) | 1.0144% | 2,214 |
| Pretax return on assets | 1.3082% | 2,058 |
| Return on Equity (ROE) | 9.3665% | 2,328 |
| Retained earnings to average equity (ytd only) | 9.3665% | 991 |
| Net charge-offs to loans | -0.0062% | 7,135 |
| Credit loss provision to net charge-offs | -3,500.0000% | 7,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1229% | 5,126 |
| Assets per employee ($millions) | 4.7379% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 6,637 |
| Loan loss allowance to noncurrent loans | 103.0201% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.0994% | 4,933 |
| Noncurrent loans to loans | 0.9093% | 5,461 |
| Net loans and leases to total assets | 62.2964% | 4,626 |
| Net loans and leases to deposits | 70.5206% | 5,202 |
| Net loans and leases to core deposits | 73.0975% | 5,543 |
| Total domestic deposits to total assets | 88.3378% | 1,809 |
| Equity capital to assets | 10.9619% | 2,902 |
| Core capital (leverage) ratio | 10.5537% | 2,583 |
| Tier 1 risk-based capital ratio | 19.2246% | 1,669 |
| Total risk-based capital ratio | 20.3027% | 1,668 |
| Memoranda: | ||
| Average total assets | $51,064,330 | 6,613 |
| Average earning assets | $46,735,330 | 6,600 |
| Average equity | $5,530,330 | 6,608 |
| Average total loans | $32,393,670 | 6,414 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5298% | 2,457 |
| Cost of funding earning assets | 1.4729% | 3,723 |
| Net interest margin | 4.0569% | 2,623 |
| Noninterest income to average assets | 0.2770% | 5,931 |
| Noninterest expense to average assets | 2.8493% | 4,281 |
| Loan and lease loss provision to assets | 0.1583% | 4,949 |
| Net operating income to assets | 0.6807% | 3,520 |
| Return on assets (ROA) | 0.6807% | 3,640 |
| Pretax return on assets | 0.9973% | 3,105 |
| Return on Equity (ROE) | 6.3247% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.3247% | 2,460 |
| Net charge-offs to loans | -0.0124% | 6,944 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1462% | 4,091 |
| Assets per employee ($millions) | 4.2557% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 6,842 |
| Loan loss allowance to noncurrent loans | 35.8282% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 2.1344% | 3,342 |
| Noncurrent loans to loans | 2.5065% | 3,167 |
| Net loans and leases to total assets | 63.1002% | 4,514 |
| Net loans and leases to deposits | 71.2479% | 5,160 |
| Net loans and leases to core deposits | 73.8778% | 5,509 |
| Total domestic deposits to total assets | 88.5643% | 1,752 |
| Equity capital to assets | 10.7621% | 2,988 |
| Core capital (leverage) ratio | 10.4755% | 2,643 |
| Tier 1 risk-based capital ratio | 18.6905% | 1,796 |
| Total risk-based capital ratio | 19.7200% | 1,808 |
| Memoranda: | ||
| Average total assets | $50,538,000 | 6,715 |
| Average earning assets | $46,439,500 | 6,683 |
| Average equity | $5,439,000 | 6,694 |
| Average total loans | $32,203,500 | 6,506 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0573% | 1,652 |
| Cost of funding earning assets | 1.6581% | 4,746 |
| Net interest margin | 4.3991% | 1,434 |
| Noninterest income to average assets | 0.2775% | 6,115 |
| Noninterest expense to average assets | 2.9391% | 4,387 |
| Loan and lease loss provision to assets | 0.1388% | 6,252 |
| Net operating income to assets | 0.8685% | 2,286 |
| Return on assets (ROA) | 0.8699% | 2,344 |
| Pretax return on assets | 1.2407% | 1,849 |
| Return on Equity (ROE) | 8.0410% | 2,354 |
| Retained earnings to average equity (ytd only) | 7.0838% | 937 |
| Net charge-offs to loans | 0.1207% | 5,971 |
| Credit loss provision to net charge-offs | 176.3158% | 2,383 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,182 |
| Efficiency ratio | 68.0902% | 4,986 |
| Assets per employee ($millions) | 4.5462% | 2,842 |
| Cash dividends to net income (ytd only)* | 11.9048% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 6,983 |
| Loan loss allowance to noncurrent loans | 170.4403% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 5,376 |
| Noncurrent loans to loans | 0.4986% | 6,255 |
| Net loans and leases to total assets | 63.2299% | 4,765 |
| Net loans and leases to deposits | 71.2595% | 5,433 |
| Net loans and leases to core deposits | 87.6337% | 5,366 |
| Total domestic deposits to total assets | 88.7318% | 1,611 |
| Equity capital to assets | 10.7623% | 2,904 |
| Core capital (leverage) ratio | 10.4413% | 2,660 |
| Tier 1 risk-based capital ratio | 18.7989% | 1,701 |
| Total risk-based capital ratio | 19.7758% | 1,708 |
| Memoranda: | ||
| Average total assets | $48,280,200 | 6,779 |
| Average earning assets | $44,327,000 | 6,747 |
| Average equity | $5,223,200 | 6,864 |
| Average total loans | $31,484,400 | 6,554 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0967% | 1,663 |
| Cost of funding earning assets | 1.6878% | 4,961 |
| Net interest margin | 4.4089% | 1,419 |
| Noninterest income to average assets | 0.2508% | 6,443 |
| Noninterest expense to average assets | 2.5302% | 5,974 |
| Loan and lease loss provision to assets | 0.1198% | 6,167 |
| Net operating income to assets | 1.3492% | 1,122 |
| Return on assets (ROA) | 1.3515% | 1,181 |
| Pretax return on assets | 1.6580% | 1,050 |
| Return on Equity (ROE) | 12.4752% | 1,242 |
| Retained earnings to average equity (ytd only) | 12.4752% | 303 |
| Net charge-offs to loans | 0.1615% | 5,101 |
| Credit loss provision to net charge-offs | 113.1579% | 4,491 |
| Earnings coverage of net charge-offs (x) | 16.7616% | 1,449 |
| Efficiency ratio | 58.7702% | 6,599 |
| Assets per employee ($millions) | 4.4783% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 7,199 |
| Loan loss allowance to noncurrent loans | 79.9353% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.1855% | 4,704 |
| Noncurrent loans to loans | 0.9683% | 5,362 |
| Net loans and leases to total assets | 64.2801% | 4,803 |
| Net loans and leases to deposits | 73.1767% | 5,489 |
| Net loans and leases to core deposits | 88.6429% | 5,576 |
| Total domestic deposits to total assets | 87.8423% | 1,727 |
| Equity capital to assets | 11.2401% | 2,802 |
| Core capital (leverage) ratio | 11.0065% | 2,400 |
| Tier 1 risk-based capital ratio | 19.3958% | 1,667 |
| Total risk-based capital ratio | 20.2948% | 1,695 |
| Memoranda: | ||
| Average total assets | $47,848,250 | 6,842 |
| Average earning assets | $44,001,000 | 6,818 |
| Average equity | $5,183,500 | 6,940 |
| Average total loans | $31,382,750 | 6,606 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1099% | 1,761 |
| Cost of funding earning assets | 1.7299% | 5,124 |
| Net interest margin | 4.3800% | 1,447 |
| Noninterest income to average assets | 0.2871% | 6,208 |
| Noninterest expense to average assets | 2.5793% | 5,823 |
| Loan and lease loss provision to assets | 0.1815% | 5,228 |
| Net operating income to assets | 1.2293% | 1,407 |
| Return on assets (ROA) | 1.2327% | 1,476 |
| Pretax return on assets | 1.5493% | 1,330 |
| Return on Equity (ROE) | 11.5286% | 1,551 |
| Retained earnings to average equity (ytd only) | 11.5286% | 498 |
| Net charge-offs to loans | 0.0577% | 5,690 |
| Credit loss provision to net charge-offs | 477.7778% | 972 |
| Earnings coverage of net charge-offs (x) | 45.4444% | 737 |
| Efficiency ratio | 59.9020% | 6,569 |
| Assets per employee ($millions) | 4.3645% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 6,883 |
| Loan loss allowance to noncurrent loans | 24.3172% | 6,881 |
| Noncurrent assets plus other real estate owned to assets | 2.3641% | 2,750 |
| Noncurrent loans to loans | 3.5935% | 1,948 |
| Net loans and leases to total assets | 65.2135% | 4,718 |
| Net loans and leases to deposits | 73.7307% | 5,491 |
| Net loans and leases to core deposits | 87.4211% | 5,773 |
| Total domestic deposits to total assets | 88.4482% | 1,550 |
| Equity capital to assets | 10.9061% | 3,012 |
| Core capital (leverage) ratio | 10.6761% | 2,682 |
| Tier 1 risk-based capital ratio | 18.8548% | 1,805 |
| Total risk-based capital ratio | 19.8679% | 1,812 |
| Memoranda: | ||
| Average total assets | $47,377,330 | 6,928 |
| Average earning assets | $43,470,670 | 6,905 |
| Average equity | $5,065,670 | 7,038 |
| Average total loans | $31,206,330 | 6,659 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1057% | 1,921 |
| Cost of funding earning assets | 1.7643% | 5,293 |
| Net interest margin | 4.3414% | 1,482 |
| Noninterest income to average assets | 0.2465% | 6,488 |
| Noninterest expense to average assets | 2.7284% | 4,884 |
| Loan and lease loss provision to assets | 0.1530% | 4,973 |
| Net operating income to assets | 1.0221% | 2,224 |
| Return on assets (ROA) | 1.0285% | 2,341 |
| Pretax return on assets | 1.3684% | 2,060 |
| Return on Equity (ROE) | 9.7179% | 2,433 |
| Retained earnings to average equity (ytd only) | 9.7179% | 1,271 |
| Net charge-offs to loans | 0.0258% | 5,182 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 482 |
| Efficiency ratio | 64.3287% | 5,625 |
| Assets per employee ($millions) | 4.3251% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 7,043 |
| Loan loss allowance to noncurrent loans | 28.1967% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 1.9232% | 3,023 |
| Noncurrent loans to loans | 2.9420% | 2,219 |
| Net loans and leases to total assets | 64.8289% | 4,836 |
| Net loans and leases to deposits | 73.0998% | 5,599 |
| Net loans and leases to core deposits | 86.0167% | 5,900 |
| Total domestic deposits to total assets | 88.6855% | 1,387 |
| Equity capital to assets | 10.6440% | 3,334 |
| Core capital (leverage) ratio | 10.4794% | 2,953 |
| Tier 1 risk-based capital ratio | 18.6987% | 1,884 |
| Total risk-based capital ratio | 19.6702% | 1,913 |
| Memoranda: | ||
| Average total assets | $47,061,000 | 6,985 |
| Average earning assets | $43,304,000 | 6,966 |
| Average equity | $4,980,500 | 7,116 |
| Average total loans | $31,017,000 | 6,698 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2634% | 4,163 |
| Cost of funding earning assets | 2.0055% | 6,399 |
| Net interest margin | 4.2579% | 2,095 |
| Noninterest income to average assets | 0.2321% | 6,773 |
| Noninterest expense to average assets | 2.9472% | 4,268 |
| Loan and lease loss provision to assets | 0.1204% | 5,819 |
| Net operating income to assets | 0.8474% | 3,229 |
| Return on assets (ROA) | 0.8474% | 3,068 |
| Pretax return on assets | 1.2043% | 2,619 |
| Return on Equity (ROE) | 8.1505% | 3,007 |
| Retained earnings to average equity (ytd only) | 6.0444% | 1,509 |
| Net charge-offs to loans | 0.0393% | 6,241 |
| Credit loss provision to net charge-offs | 458.3333% | 957 |
| Earnings coverage of net charge-offs (x) | 50.4167% | 759 |
| Efficiency ratio | 68.9903% | 4,536 |
| Assets per employee ($millions) | 4.2315% | 3,057 |
| Cash dividends to net income (ytd only)* | 25.8398% | 4,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 7,169 |
| Loan loss allowance to noncurrent loans | 40.7407% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 1.2762% | 3,669 |
| Noncurrent loans to loans | 1.9203% | 2,866 |
| Net loans and leases to total assets | 65.9369% | 4,855 |
| Net loans and leases to deposits | 74.1221% | 5,828 |
| Net loans and leases to core deposits | 87.5560% | 6,015 |
| Total domestic deposits to total assets | 88.9572% | 1,061 |
| Equity capital to assets | 10.5208% | 3,476 |
| Core capital (leverage) ratio | 10.3487% | 3,119 |
| Tier 1 risk-based capital ratio | 18.6926% | 1,867 |
| Total risk-based capital ratio | 19.6265% | 1,891 |
| Memoranda: | ||
| Average total assets | $45,669,800 | 6,951 |
| Average earning assets | $43,330,800 | 6,879 |
| Average equity | $4,748,200 | 7,230 |
| Average total loans | $30,552,800 | 6,675 |