Home > The First National Bank of Sparta > Performance and Condition Ratios
The First National Bank of Sparta, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 2,671 |
| Cost of funding earning assets | 1.4913% | 3,222 |
| Net interest margin | 3.7324% | 1,814 |
| Noninterest income to average assets | 1.4200% | 363 |
| Noninterest expense to average assets | 3.2348% | 838 |
| Loan and lease loss provision to assets | -0.1700% | 4,371 |
| Net operating income to assets | 1.8163% | 621 |
| Return on assets (ROA) | 1.7745% | 658 |
| Pretax return on assets | 1.7899% | 971 |
| Return on Equity (ROE) | 19.4600% | 486 |
| Retained earnings to average equity (ytd only) | 14.6234% | 472 |
| Net charge-offs to loans | -0.0735% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 66.0924% | 2,227 |
| Assets per employee ($millions) | 5.2814% | 3,479 |
| Cash dividends to net income (ytd only)* | 24.8380% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 1,119 |
| Loan loss allowance to noncurrent loans | 351.1111% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 2,485 |
| Noncurrent loans to loans | 0.4163% | 2,074 |
| Net loans and leases to total assets | 40.3400% | 3,963 |
| Net loans and leases to deposits | 44.9254% | 4,022 |
| Net loans and leases to core deposits | 46.5761% | 4,051 |
| Total domestic deposits to total assets | 89.7800% | 890 |
| Equity capital to assets | 9.3556% | 2,678 |
| Core capital (leverage) ratio | 12.7889% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2414% | 270 |
| Memoranda: | ||
| Average total assets | $104,365,000 | 3,744 |
| Average earning assets | $97,096,000 | 3,729 |
| Average equity | $9,519,000 | 3,828 |
| Average total loans | $43,517,000 | 3,914 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 3,187 |
| Cost of funding earning assets | 1.6485% | 3,065 |
| Net interest margin | 3.2959% | 2,517 |
| Noninterest income to average assets | 1.5200% | 347 |
| Noninterest expense to average assets | 3.2783% | 782 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.2526% | 1,389 |
| Return on assets (ROA) | 1.1791% | 1,553 |
| Pretax return on assets | 1.1926% | 2,003 |
| Return on Equity (ROE) | 13.4100% | 1,267 |
| Retained earnings to average equity (ytd only) | 7.2422% | 1,349 |
| Net charge-offs to loans | 0.1002% | 1,177 |
| Credit loss provision to net charge-offs | 95.3488% | 1,973 |
| Earnings coverage of net charge-offs (x) | 31.5349% | 1,502 |
| Efficiency ratio | 71.5066% | 1,827 |
| Assets per employee ($millions) | 5.7279% | 3,097 |
| Cash dividends to net income (ytd only)* | 45.9967% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 871 |
| Loan loss allowance to noncurrent loans | 310.4545% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 1,723 |
| Noncurrent loans to loans | 0.5023% | 1,822 |
| Net loans and leases to total assets | 41.8200% | 3,951 |
| Net loans and leases to deposits | 46.3432% | 4,019 |
| Net loans and leases to core deposits | 49.5540% | 4,027 |
| Total domestic deposits to total assets | 90.2300% | 747 |
| Equity capital to assets | 8.8804% | 2,916 |
| Core capital (leverage) ratio | 12.5966% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3764% | 285 |
| Memoranda: | ||
| Average total assets | $103,804,600 | 3,745 |
| Average earning assets | $96,392,600 | 3,724 |
| Average equity | $9,127,000 | 3,852 |
| Average total loans | $42,905,000 | 3,924 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 3,221 |
| Cost of funding earning assets | 1.6837% | 2,986 |
| Net interest margin | 3.2031% | 2,685 |
| Noninterest income to average assets | 1.5700% | 332 |
| Noninterest expense to average assets | 3.2172% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3101% | 1,293 |
| Return on assets (ROA) | 1.2720% | 1,365 |
| Pretax return on assets | 1.2861% | 1,803 |
| Return on Equity (ROE) | 14.5000% | 1,046 |
| Retained earnings to average equity (ytd only) | 10.2924% | 783 |
| Net charge-offs to loans | 0.0875% | 1,068 |
| Credit loss provision to net charge-offs | 14.2857% | 2,208 |
| Earnings coverage of net charge-offs (x) | 37.0357% | 1,387 |
| Efficiency ratio | 70.7558% | 1,935 |
| Assets per employee ($millions) | 5.6826% | 3,128 |
| Cash dividends to net income (ytd only)* | 29.0323% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 966 |
| Loan loss allowance to noncurrent loans | 154.5667% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 1,408 |
| Noncurrent loans to loans | 0.9908% | 1,010 |
| Net loans and leases to total assets | 41.4900% | 3,981 |
| Net loans and leases to deposits | 49.1328% | 3,981 |
| Net loans and leases to core deposits | 49.8977% | 4,049 |
| Total domestic deposits to total assets | 84.4400% | 2,470 |
| Equity capital to assets | 10.1166% | 2,222 |
| Core capital (leverage) ratio | 12.6366% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7526% | 286 |
| Memoranda: | ||
| Average total assets | $103,980,000 | 3,754 |
| Average earning assets | $96,612,500 | 3,737 |
| Average equity | $9,119,750 | 3,869 |
| Average total loans | $42,682,000 | 3,939 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 3,263 |
| Cost of funding earning assets | 1.6652% | 2,936 |
| Net interest margin | 3.1451% | 2,757 |
| Noninterest income to average assets | 1.6100% | 329 |
| Noninterest expense to average assets | 3.1891% | 847 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2755% | 1,308 |
| Return on assets (ROA) | 1.2244% | 1,419 |
| Pretax return on assets | 1.2358% | 1,854 |
| Return on Equity (ROE) | 14.7000% | 1,028 |
| Retained earnings to average equity (ytd only) | 10.7229% | 741 |
| Net charge-offs to loans | 0.0705% | 1,072 |
| Credit loss provision to net charge-offs | 193.3333% | 1,045 |
| Earnings coverage of net charge-offs (x) | 46.8000% | 1,161 |
| Efficiency ratio | 70.3672% | 2,068 |
| Assets per employee ($millions) | 5.3950% | 3,309 |
| Cash dividends to net income (ytd only)* | 27.0313% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 785 |
| Loan loss allowance to noncurrent loans | 197.7337% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 1,603 |
| Noncurrent loans to loans | 0.8274% | 1,126 |
| Net loans and leases to total assets | 40.9400% | 4,008 |
| Net loans and leases to deposits | 49.2906% | 3,974 |
| Net loans and leases to core deposits | 50.0590% | 4,046 |
| Total domestic deposits to total assets | 83.0600% | 2,858 |
| Equity capital to assets | 8.6015% | 3,028 |
| Core capital (leverage) ratio | 12.3510% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4902% | 285 |
| Memoranda: | ||
| Average total assets | $104,544,333 | 3,766 |
| Average earning assets | $97,166,000 | 3,750 |
| Average equity | $8,710,333 | 3,895 |
| Average total loans | $42,544,333 | 3,953 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 3,259 |
| Cost of funding earning assets | 1.6491% | 2,867 |
| Net interest margin | 3.0865% | 2,822 |
| Noninterest income to average assets | 1.7200% | 284 |
| Noninterest expense to average assets | 3.2284% | 800 |
| Loan and lease loss provision to assets | -0.0500% | 4,346 |
| Net operating income to assets | 1.4090% | 1,044 |
| Return on assets (ROA) | 1.3489% | 1,159 |
| Pretax return on assets | 1.3565% | 1,524 |
| Return on Equity (ROE) | 16.4500% | 784 |
| Retained earnings to average equity (ytd only) | 12.7065% | 637 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.2391% | 2,128 |
| Assets per employee ($millions) | 5.5207% | 3,247 |
| Cash dividends to net income (ytd only)* | 22.7528% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 883 |
| Loan loss allowance to noncurrent loans | 147.4725% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 1,292 |
| Noncurrent loans to loans | 1.0738% | 785 |
| Net loans and leases to total assets | 39.7600% | 4,030 |
| Net loans and leases to deposits | 46.1878% | 4,038 |
| Net loans and leases to core deposits | 46.8615% | 4,145 |
| Total domestic deposits to total assets | 86.0800% | 2,068 |
| Equity capital to assets | 8.2760% | 3,182 |
| Core capital (leverage) ratio | 11.9958% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2968% | 288 |
| Memoranda: | ||
| Average total assets | $105,564,000 | 3,779 |
| Average earning assets | $98,234,000 | 3,765 |
| Average equity | $8,657,000 | 3,917 |
| Average total loans | $42,483,500 | 3,974 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 3,418 |
| Cost of funding earning assets | 0.7043% | 3,924 |
| Net interest margin | 3.6112% | 1,945 |
| Noninterest income to average assets | 1.2300% | 486 |
| Noninterest expense to average assets | 3.0350% | 1,072 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.3154% | 1,403 |
| Return on assets (ROA) | 1.2274% | 1,559 |
| Pretax return on assets | 1.2413% | 2,028 |
| Return on Equity (ROE) | 16.7600% | 980 |
| Retained earnings to average equity (ytd only) | 9.8076% | 1,066 |
| Net charge-offs to loans | 0.1312% | 753 |
| Credit loss provision to net charge-offs | 359.2593% | 836 |
| Earnings coverage of net charge-offs (x) | 28.5556% | 1,661 |
| Efficiency ratio | 66.6089% | 2,274 |
| Assets per employee ($millions) | 4.8288% | 3,754 |
| Cash dividends to net income (ytd only)* | 41.4791% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 829 |
| Loan loss allowance to noncurrent loans | 254.2751% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 1,305 |
| Noncurrent loans to loans | 0.6316% | 1,247 |
| Net loans and leases to total assets | 39.4500% | 4,058 |
| Net loans and leases to deposits | 45.7292% | 4,058 |
| Net loans and leases to core deposits | 46.8362% | 4,144 |
| Total domestic deposits to total assets | 86.2700% | 1,921 |
| Equity capital to assets | 8.1264% | 3,333 |
| Core capital (leverage) ratio | 12.2550% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9549% | 289 |
| Memoranda: | ||
| Average total assets | $101,349,400 | 3,822 |
| Average earning assets | $93,430,400 | 3,808 |
| Average equity | $7,422,800 | 3,997 |
| Average total loans | $41,168,200 | 3,976 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 3,487 |
| Cost of funding earning assets | 0.4519% | 4,197 |
| Net interest margin | 3.7398% | 1,704 |
| Noninterest income to average assets | 1.2500% | 474 |
| Noninterest expense to average assets | 2.9881% | 1,087 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.4730% | 1,180 |
| Return on assets (ROA) | 1.3675% | 1,370 |
| Pretax return on assets | 1.3849% | 1,811 |
| Return on Equity (ROE) | 19.2300% | 798 |
| Retained earnings to average equity (ytd only) | 13.4262% | 753 |
| Net charge-offs to loans | 0.0588% | 1,082 |
| Credit loss provision to net charge-offs | 888.8889% | 432 |
| Earnings coverage of net charge-offs (x) | 71.1111% | 1,105 |
| Efficiency ratio | 63.6776% | 2,534 |
| Assets per employee ($millions) | 5.1131% | 3,509 |
| Cash dividends to net income (ytd only)* | 30.1850% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 815 |
| Loan loss allowance to noncurrent loans | 130.3605% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6395% | 902 |
| Noncurrent loans to loans | 1.2542% | 615 |
| Net loans and leases to total assets | 40.4200% | 4,038 |
| Net loans and leases to deposits | 44.8127% | 4,083 |
| Net loans and leases to core deposits | 45.1455% | 4,149 |
| Total domestic deposits to total assets | 90.1900% | 890 |
| Equity capital to assets | 6.3592% | 3,871 |
| Core capital (leverage) ratio | 12.3639% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7922% | 299 |
| Memoranda: | ||
| Average total assets | $100,128,250 | 3,846 |
| Average earning assets | $92,052,250 | 3,837 |
| Average equity | $7,120,250 | 4,037 |
| Average total loans | $40,812,000 | 3,987 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 3,501 |
| Cost of funding earning assets | 0.3716% | 4,209 |
| Net interest margin | 3.7247% | 1,775 |
| Noninterest income to average assets | 1.3000% | 395 |
| Noninterest expense to average assets | 3.0015% | 1,043 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.5036% | 1,097 |
| Return on assets (ROA) | 1.3861% | 1,344 |
| Pretax return on assets | 1.4022% | 1,808 |
| Return on Equity (ROE) | 18.8100% | 853 |
| Retained earnings to average equity (ytd only) | 13.1859% | 783 |
| Net charge-offs to loans | 0.0148% | 1,642 |
| Credit loss provision to net charge-offs | 3,333.3333% | 157 |
| Earnings coverage of net charge-offs (x) | 285.3333% | 468 |
| Efficiency ratio | 63.5434% | 2,535 |
| Assets per employee ($millions) | 4.7492% | 3,792 |
| Cash dividends to net income (ytd only)* | 29.8984% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 968 |
| Loan loss allowance to noncurrent loans | 97.1256% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 799 |
| Noncurrent loans to loans | 1.6262% | 398 |
| Net loans and leases to total assets | 40.1100% | 4,035 |
| Net loans and leases to deposits | 43.8888% | 4,103 |
| Net loans and leases to core deposits | 44.2182% | 4,168 |
| Total domestic deposits to total assets | 91.4000% | 528 |
| Equity capital to assets | 7.6143% | 3,458 |
| Core capital (leverage) ratio | 12.1596% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3619% | 285 |
| Memoranda: | ||
| Average total assets | $99,417,000 | 3,864 |
| Average earning assets | $91,498,000 | 3,851 |
| Average equity | $7,326,000 | 4,037 |
| Average total loans | $40,409,333 | 4,008 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 3,478 |
| Cost of funding earning assets | 0.3438% | 4,095 |
| Net interest margin | 3.6447% | 2,024 |
| Noninterest income to average assets | 1.2700% | 409 |
| Noninterest expense to average assets | 2.9055% | 1,223 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.5456% | 1,089 |
| Return on assets (ROA) | 1.3621% | 1,474 |
| Pretax return on assets | 1.3742% | 1,950 |
| Return on Equity (ROE) | 18.8000% | 914 |
| Retained earnings to average equity (ytd only) | 13.0701% | 1,082 |
| Net charge-offs to loans | 0.0298% | 1,110 |
| Credit loss provision to net charge-offs | 1,100.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 633 |
| Efficiency ratio | 63.1902% | 2,545 |
| Assets per employee ($millions) | 5.0648% | 3,612 |
| Cash dividends to net income (ytd only)* | 30.4734% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,475 |
| Loan loss allowance to noncurrent loans | 294.8718% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 2,179 |
| Noncurrent loans to loans | 0.4869% | 1,499 |
| Net loans and leases to total assets | 38.9700% | 4,080 |
| Net loans and leases to deposits | 42.6010% | 4,142 |
| Net loans and leases to core deposits | 42.9151% | 4,202 |
| Total domestic deposits to total assets | 91.4700% | 652 |
| Equity capital to assets | 7.5541% | 3,533 |
| Core capital (leverage) ratio | 11.9340% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0383% | 264 |
| Memoranda: | ||
| Average total assets | $99,259,000 | 3,917 |
| Average earning assets | $90,763,000 | 3,908 |
| Average equity | $7,192,000 | 4,097 |
| Average total loans | $40,290,000 | 4,064 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4432% | 3,227 |
| Cost of funding earning assets | 0.1849% | 3,870 |
| Net interest margin | 3.2583% | 2,681 |
| Noninterest income to average assets | 1.2000% | 473 |
| Noninterest expense to average assets | 2.7780% | 1,361 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.4046% | 1,118 |
| Return on assets (ROA) | 1.3112% | 1,356 |
| Pretax return on assets | 1.3258% | 2,006 |
| Return on Equity (ROE) | 14.7600% | 1,323 |
| Retained earnings to average equity (ytd only) | 8.6341% | 1,590 |
| Net charge-offs to loans | 0.1162% | 650 |
| Credit loss provision to net charge-offs | -87.2340% | 4,574 |
| Earnings coverage of net charge-offs (x) | 30.2128% | 1,678 |
| Efficiency ratio | 66.8069% | 2,109 |
| Assets per employee ($millions) | 4.7177% | 3,879 |
| Cash dividends to net income (ytd only)* | 41.5122% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 1,707 |
| Loan loss allowance to noncurrent loans | 275.2525% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,174 |
| Noncurrent loans to loans | 0.4885% | 1,482 |
| Net loans and leases to total assets | 40.3600% | 4,055 |
| Net loans and leases to deposits | 45.0127% | 4,082 |
| Net loans and leases to core deposits | 45.3588% | 4,138 |
| Total domestic deposits to total assets | 89.6700% | 1,497 |
| Equity capital to assets | 8.6766% | 2,577 |
| Core capital (leverage) ratio | 11.2907% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3740% | 294 |
| Memoranda: | ||
| Average total assets | $102,879,800 | 3,901 |
| Average earning assets | $93,545,400 | 3,902 |
| Average equity | $9,138,200 | 3,978 |
| Average total loans | $40,459,200 | 4,057 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3248% | 3,117 |
| Cost of funding earning assets | 0.1370% | 3,968 |
| Net interest margin | 3.1878% | 2,663 |
| Noninterest income to average assets | 1.1800% | 513 |
| Noninterest expense to average assets | 2.7082% | 1,449 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3409% | 1,231 |
| Return on assets (ROA) | 1.2430% | 1,517 |
| Pretax return on assets | 1.2558% | 2,190 |
| Return on Equity (ROE) | 13.9200% | 1,449 |
| Retained earnings to average equity (ytd only) | 10.4666% | 1,206 |
| Net charge-offs to loans | 0.0956% | 646 |
| Credit loss provision to net charge-offs | 51.7241% | 1,517 |
| Earnings coverage of net charge-offs (x) | 36.8966% | 1,420 |
| Efficiency ratio | 66.3416% | 2,233 |
| Assets per employee ($millions) | 4.7587% | 3,870 |
| Cash dividends to net income (ytd only)* | 24.7934% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 1,162 |
| Loan loss allowance to noncurrent loans | 1,287.5000% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,420 |
| Noncurrent loans to loans | 0.1207% | 3,042 |
| Net loans and leases to total assets | 39.1800% | 4,102 |
| Net loans and leases to deposits | 43.0091% | 4,146 |
| Net loans and leases to core deposits | 43.3313% | 4,190 |
| Total domestic deposits to total assets | 91.0900% | 1,207 |
| Equity capital to assets | 7.8893% | 2,964 |
| Core capital (leverage) ratio | 11.0713% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4910% | 300 |
| Memoranda: | ||
| Average total assets | $103,832,000 | 3,921 |
| Average earning assets | $94,398,250 | 3,919 |
| Average equity | $9,273,750 | 4,008 |
| Average total loans | $40,441,000 | 4,079 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2085% | 3,013 |
| Cost of funding earning assets | 0.1192% | 3,972 |
| Net interest margin | 3.0893% | 2,566 |
| Noninterest income to average assets | 1.1947% | 480 |
| Noninterest expense to average assets | 2.7299% | 1,315 |
| Loan and lease loss provision to assets | 0.0285% | 2,075 |
| Net operating income to assets | 1.2374% | 1,307 |
| Return on assets (ROA) | 1.1319% | 1,637 |
| Pretax return on assets | 1.1395% | 2,272 |
| Return on Equity (ROE) | 12.2214% | 1,611 |
| Retained earnings to average equity (ytd only) | 8.9350% | 1,306 |
| Net charge-offs to loans | 0.1475% | 435 |
| Credit loss provision to net charge-offs | 50.0000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,505 |
| Efficiency ratio | 68.1710% | 2,215 |
| Assets per employee ($millions) | 5.1218% | 3,577 |
| Cash dividends to net income (ytd only)* | 26.8908% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 1,372 |
| Loan loss allowance to noncurrent loans | 341.4365% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 2,470 |
| Noncurrent loans to loans | 0.4429% | 1,794 |
| Net loans and leases to total assets | 39.2961% | 4,112 |
| Net loans and leases to deposits | 43.4458% | 4,135 |
| Net loans and leases to core deposits | 43.7656% | 4,195 |
| Total domestic deposits to total assets | 90.4486% | 1,493 |
| Equity capital to assets | 8.5527% | 2,722 |
| Core capital (leverage) ratio | 10.7147% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0688% | 320 |
| Memoranda: | ||
| Average total assets | $105,131,667 | 3,946 |
| Average earning assets | $95,620,000 | 3,956 |
| Average equity | $9,737,000 | 4,026 |
| Average total loans | $40,665,667 | 4,126 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0850% | 3,021 |
| Cost of funding earning assets | 0.1201% | 3,895 |
| Net interest margin | 2.9649% | 2,619 |
| Noninterest income to average assets | 1.1608% | 509 |
| Noninterest expense to average assets | 2.6672% | 1,435 |
| Loan and lease loss provision to assets | 0.0563% | 1,379 |
| Net operating income to assets | 1.1232% | 1,463 |
| Return on assets (ROA) | 1.0143% | 1,812 |
| Pretax return on assets | 1.0180% | 2,384 |
| Return on Equity (ROE) | 10.5623% | 1,774 |
| Retained earnings to average equity (ytd only) | 7.4328% | 1,755 |
| Net charge-offs to loans | 0.2761% | 231 |
| Credit loss provision to net charge-offs | 53.5714% | 1,184 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,443 |
| Efficiency ratio | 69.2683% | 2,331 |
| Assets per employee ($millions) | 4.8730% | 3,869 |
| Cash dividends to net income (ytd only)* | 29.6296% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 1,454 |
| Loan loss allowance to noncurrent loans | 248.0000% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,246 |
| Noncurrent loans to loans | 0.6178% | 1,517 |
| Net loans and leases to total assets | 37.1686% | 4,151 |
| Net loans and leases to deposits | 43.4432% | 4,097 |
| Net loans and leases to core deposits | 43.6459% | 4,180 |
| Total domestic deposits to total assets | 85.5568% | 3,402 |
| Equity capital to assets | 8.8372% | 2,853 |
| Core capital (leverage) ratio | 10.1764% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0961% | 381 |
| Memoranda: | ||
| Average total assets | $106,480,000 | 3,950 |
| Average earning assets | $96,597,500 | 3,964 |
| Average equity | $10,225,000 | 4,024 |
| Average total loans | $40,563,000 | 4,150 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6185% | 2,331 |
| Cost of funding earning assets | 0.1955% | 3,519 |
| Net interest margin | 3.4230% | 1,958 |
| Noninterest income to average assets | 1.1991% | 734 |
| Noninterest expense to average assets | 2.7363% | 1,523 |
| Loan and lease loss provision to assets | 0.1020% | 1,231 |
| Net operating income to assets | 1.3720% | 1,369 |
| Return on assets (ROA) | 1.2739% | 1,738 |
| Pretax return on assets | 1.2894% | 2,388 |
| Return on Equity (ROE) | 11.4464% | 2,002 |
| Retained earnings to average equity (ytd only) | 1.3970% | 4,149 |
| Net charge-offs to loans | 0.1938% | 504 |
| Credit loss provision to net charge-offs | 126.5060% | 1,607 |
| Earnings coverage of net charge-offs (x) | 18.4819% | 1,909 |
| Efficiency ratio | 64.7356% | 2,442 |
| Assets per employee ($millions) | 5.0359% | 3,698 |
| Cash dividends to net income (ytd only)* | 87.7956% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 1,370 |
| Loan loss allowance to noncurrent loans | 222.1053% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 2,202 |
| Noncurrent loans to loans | 0.7010% | 1,438 |
| Net loans and leases to total assets | 37.8482% | 4,199 |
| Net loans and leases to deposits | 45.1262% | 4,136 |
| Net loans and leases to core deposits | 45.3439% | 4,214 |
| Total domestic deposits to total assets | 83.8720% | 3,596 |
| Equity capital to assets | 10.3788% | 2,297 |
| Core capital (leverage) ratio | 10.3417% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0077% | 399 |
| Memoranda: | ||
| Average total assets | $102,913,000 | 3,964 |
| Average earning assets | $91,032,200 | 4,002 |
| Average equity | $11,453,400 | 3,983 |
| Average total loans | $42,835,200 | 4,133 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 2,197 |
| Cost of funding earning assets | 0.2134% | 3,483 |
| Net interest margin | 3.5151% | 1,826 |
| Noninterest income to average assets | 1.1989% | 787 |
| Noninterest expense to average assets | 2.6613% | 1,685 |
| Loan and lease loss provision to assets | 0.0861% | 1,382 |
| Net operating income to assets | 1.5279% | 1,202 |
| Return on assets (ROA) | 1.4259% | 1,522 |
| Pretax return on assets | 1.4428% | 2,172 |
| Return on Equity (ROE) | 12.5925% | 1,831 |
| Retained earnings to average equity (ytd only) | 9.4012% | 1,537 |
| Net charge-offs to loans | 0.1844% | 465 |
| Credit loss provision to net charge-offs | 110.0000% | 1,517 |
| Earnings coverage of net charge-offs (x) | 20.8500% | 1,717 |
| Efficiency ratio | 61.9872% | 2,703 |
| Assets per employee ($millions) | 5.0020% | 3,695 |
| Cash dividends to net income (ytd only)* | 25.3431% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,692 |
| Loan loss allowance to noncurrent loans | 198.3923% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 2,080 |
| Noncurrent loans to loans | 0.7490% | 1,500 |
| Net loans and leases to total assets | 38.9410% | 4,257 |
| Net loans and leases to deposits | 47.0837% | 4,167 |
| Net loans and leases to core deposits | 47.3158% | 4,269 |
| Total domestic deposits to total assets | 82.7058% | 3,777 |
| Equity capital to assets | 11.2899% | 1,820 |
| Core capital (leverage) ratio | 10.7260% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9533% | 377 |
| Memoranda: | ||
| Average total assets | $102,202,750 | 4,026 |
| Average earning assets | $89,971,750 | 4,068 |
| Average equity | $11,572,750 | 4,030 |
| Average total loans | $43,379,250 | 4,177 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 1,755 |
| Cost of funding earning assets | 0.2464% | 3,309 |
| Net interest margin | 3.6795% | 1,398 |
| Noninterest income to average assets | 1.1713% | 835 |
| Noninterest expense to average assets | 2.6665% | 1,674 |
| Loan and lease loss provision to assets | 0.1067% | 1,176 |
| Net operating income to assets | 1.5694% | 1,120 |
| Return on assets (ROA) | 1.4834% | 1,401 |
| Pretax return on assets | 1.4972% | 2,024 |
| Return on Equity (ROE) | 13.0867% | 1,679 |
| Retained earnings to average equity (ytd only) | 10.4554% | 1,266 |
| Net charge-offs to loans | 0.2091% | 409 |
| Credit loss provision to net charge-offs | 117.3913% | 1,275 |
| Earnings coverage of net charge-offs (x) | 18.6087% | 1,561 |
| Efficiency ratio | 61.1967% | 2,846 |
| Assets per employee ($millions) | 5.4739% | 3,156 |
| Cash dividends to net income (ytd only)* | 20.1065% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,827 |
| Loan loss allowance to noncurrent loans | 157.1066% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 1,999 |
| Noncurrent loans to loans | 0.9140% | 1,356 |
| Net loans and leases to total assets | 38.8118% | 4,348 |
| Net loans and leases to deposits | 48.0287% | 4,215 |
| Net loans and leases to core deposits | 48.4885% | 4,304 |
| Total domestic deposits to total assets | 80.8097% | 4,112 |
| Equity capital to assets | 10.6808% | 2,239 |
| Core capital (leverage) ratio | 10.6326% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6925% | 392 |
| Memoranda: | ||
| Average total assets | $101,256,667 | 4,055 |
| Average earning assets | $87,675,667 | 4,118 |
| Average equity | $11,477,333 | 4,049 |
| Average total loans | $43,998,667 | 4,194 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 1,688 |
| Cost of funding earning assets | 0.2591% | 3,387 |
| Net interest margin | 3.6976% | 1,335 |
| Noninterest income to average assets | 1.1529% | 921 |
| Noninterest expense to average assets | 2.7423% | 1,511 |
| Loan and lease loss provision to assets | 0.1606% | 787 |
| Net operating income to assets | 1.4823% | 1,367 |
| Return on assets (ROA) | 1.4041% | 1,637 |
| Pretax return on assets | 1.4041% | 2,269 |
| Return on Equity (ROE) | 11.9970% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.3584% | 1,839 |
| Net charge-offs to loans | 0.4230% | 194 |
| Credit loss provision to net charge-offs | 82.9787% | 1,194 |
| Earnings coverage of net charge-offs (x) | 8.4894% | 1,576 |
| Efficiency ratio | 62.5352% | 2,668 |
| Assets per employee ($millions) | 5.0638% | 3,579 |
| Cash dividends to net income (ytd only)* | 21.9941% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 2,163 |
| Loan loss allowance to noncurrent loans | 210.4895% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 2,500 |
| Noncurrent loans to loans | 0.6452% | 1,954 |
| Net loans and leases to total assets | 43.1731% | 4,166 |
| Net loans and leases to deposits | 53.5040% | 3,972 |
| Net loans and leases to core deposits | 54.3824% | 4,079 |
| Total domestic deposits to total assets | 80.6914% | 4,103 |
| Equity capital to assets | 11.2297% | 1,699 |
| Core capital (leverage) ratio | 11.1285% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5364% | 433 |
| Memoranda: | ||
| Average total assets | $97,146,500 | 4,107 |
| Average earning assets | $84,919,500 | 4,155 |
| Average equity | $11,369,500 | 4,070 |
| Average total loans | $44,443,500 | 4,199 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 2,055 |
| Cost of funding earning assets | 0.3119% | 4,074 |
| Net interest margin | 3.9182% | 1,167 |
| Noninterest income to average assets | 1.1307% | 836 |
| Noninterest expense to average assets | 3.0303% | 1,375 |
| Loan and lease loss provision to assets | 0.1342% | 2,679 |
| Net operating income to assets | 1.5351% | 736 |
| Return on assets (ROA) | 1.4765% | 936 |
| Pretax return on assets | 1.4936% | 1,353 |
| Return on Equity (ROE) | 11.3980% | 1,497 |
| Retained earnings to average equity (ytd only) | 1.3962% | 4,068 |
| Net charge-offs to loans | 0.1005% | 1,464 |
| Credit loss provision to net charge-offs | 274.4186% | 1,827 |
| Earnings coverage of net charge-offs (x) | 34.4884% | 1,489 |
| Efficiency ratio | 64.2392% | 2,780 |
| Assets per employee ($millions) | 4.2280% | 4,195 |
| Cash dividends to net income (ytd only)* | 87.7504% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 2,102 |
| Loan loss allowance to noncurrent loans | 113.1481% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5805% | 1,817 |
| Noncurrent loans to loans | 1.2118% | 1,151 |
| Net loans and leases to total assets | 47.2494% | 4,031 |
| Net loans and leases to deposits | 60.0541% | 3,761 |
| Net loans and leases to core deposits | 61.1563% | 3,877 |
| Total domestic deposits to total assets | 78.6781% | 4,238 |
| Equity capital to assets | 12.2193% | 1,470 |
| Core capital (leverage) ratio | 11.6102% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9237% | 445 |
| Memoranda: | ||
| Average total assets | $87,911,000 | 4,144 |
| Average earning assets | $80,471,400 | 4,158 |
| Average equity | $11,388,000 | 4,039 |
| Average total loans | $42,775,800 | 4,259 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3702% | 1,926 |
| Cost of funding earning assets | 0.3098% | 4,271 |
| Net interest margin | 4.0604% | 976 |
| Noninterest income to average assets | 1.0958% | 863 |
| Noninterest expense to average assets | 3.0087% | 1,427 |
| Loan and lease loss provision to assets | 0.1050% | 3,004 |
| Net operating income to assets | 1.6954% | 576 |
| Return on assets (ROA) | 1.6421% | 731 |
| Pretax return on assets | 1.6606% | 1,044 |
| Return on Equity (ROE) | 12.4863% | 1,250 |
| Retained earnings to average equity (ytd only) | 9.4437% | 876 |
| Net charge-offs to loans | 0.0409% | 2,042 |
| Credit loss provision to net charge-offs | 523.0769% | 1,253 |
| Earnings coverage of net charge-offs (x) | 90.9231% | 843 |
| Efficiency ratio | 62.3207% | 3,019 |
| Assets per employee ($millions) | 4.3183% | 4,028 |
| Cash dividends to net income (ytd only)* | 24.3674% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 2,099 |
| Loan loss allowance to noncurrent loans | 165.0838% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 2,596 |
| Noncurrent loans to loans | 0.7970% | 1,826 |
| Net loans and leases to total assets | 48.8785% | 4,165 |
| Net loans and leases to deposits | 63.2302% | 3,844 |
| Net loans and leases to core deposits | 64.4409% | 3,988 |
| Total domestic deposits to total assets | 77.3025% | 4,287 |
| Equity capital to assets | 13.2460% | 1,084 |
| Core capital (leverage) ratio | 12.3542% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5599% | 380 |
| Memoranda: | ||
| Average total assets | $86,634,500 | 4,167 |
| Average earning assets | $79,628,500 | 4,173 |
| Average equity | $11,393,500 | 4,050 |
| Average total loans | $42,329,500 | 4,294 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6106% | 1,623 |
| Cost of funding earning assets | 0.3242% | 4,385 |
| Net interest margin | 4.2864% | 775 |
| Noninterest income to average assets | 1.0905% | 837 |
| Noninterest expense to average assets | 3.0510% | 1,458 |
| Loan and lease loss provision to assets | 0.0915% | 3,124 |
| Net operating income to assets | 1.8687% | 430 |
| Return on assets (ROA) | 1.8315% | 520 |
| Pretax return on assets | 1.8479% | 744 |
| Return on Equity (ROE) | 13.9622% | 898 |
| Retained earnings to average equity (ytd only) | 11.3521% | 557 |
| Net charge-offs to loans | 0.0386% | 1,976 |
| Credit loss provision to net charge-offs | 487.5000% | 1,256 |
| Earnings coverage of net charge-offs (x) | 105.3750% | 677 |
| Efficiency ratio | 60.6810% | 3,321 |
| Assets per employee ($millions) | 4.2107% | 4,095 |
| Cash dividends to net income (ytd only)* | 18.6940% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,078 |
| Loan loss allowance to noncurrent loans | 130.4147% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 2,444 |
| Noncurrent loans to loans | 0.9854% | 1,576 |
| Net loans and leases to total assets | 46.9342% | 4,314 |
| Net loans and leases to deposits | 60.1306% | 4,112 |
| Net loans and leases to core deposits | 60.8910% | 4,216 |
| Total domestic deposits to total assets | 78.0539% | 4,188 |
| Equity capital to assets | 12.7467% | 1,259 |
| Core capital (leverage) ratio | 12.2814% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2408% | 391 |
| Memoranda: | ||
| Average total assets | $85,284,667 | 4,192 |
| Average earning assets | $78,340,667 | 4,191 |
| Average equity | $11,187,333 | 4,081 |
| Average total loans | $41,467,333 | 4,326 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 1,450 |
| Cost of funding earning assets | 0.3421% | 4,544 |
| Net interest margin | 4.4472% | 568 |
| Noninterest income to average assets | 1.2646% | 548 |
| Noninterest expense to average assets | 3.2300% | 1,367 |
| Loan and lease loss provision to assets | 0.0392% | 3,286 |
| Net operating income to assets | 2.0684% | 240 |
| Return on assets (ROA) | 2.0194% | 286 |
| Pretax return on assets | 2.0243% | 428 |
| Return on Equity (ROE) | 15.1512% | 531 |
| Retained earnings to average equity (ytd only) | 12.4667% | 374 |
| Net charge-offs to loans | 0.0697% | 1,333 |
| Credit loss provision to net charge-offs | 114.2857% | 1,730 |
| Earnings coverage of net charge-offs (x) | 61.5714% | 795 |
| Efficiency ratio | 60.4587% | 3,679 |
| Assets per employee ($millions) | 3.8651% | 4,094 |
| Cash dividends to net income (ytd only)* | 17.7184% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 1,968 |
| Loan loss allowance to noncurrent loans | 233.4783% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 3,317 |
| Noncurrent loans to loans | 0.5728% | 2,562 |
| Net loans and leases to total assets | 48.8099% | 4,300 |
| Net loans and leases to deposits | 60.0236% | 4,195 |
| Net loans and leases to core deposits | 60.4099% | 4,337 |
| Total domestic deposits to total assets | 81.3178% | 3,592 |
| Equity capital to assets | 13.5497% | 1,203 |
| Core capital (leverage) ratio | 13.3490% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3380% | 323 |
| Memoranda: | ||
| Average total assets | $81,609,000 | 4,246 |
| Average earning assets | $74,834,000 | 4,243 |
| Average equity | $10,877,000 | 4,127 |
| Average total loans | $40,179,000 | 4,372 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 2,898 |
| Cost of funding earning assets | 0.3729% | 4,533 |
| Net interest margin | 4.1400% | 1,452 |
| Noninterest income to average assets | 1.1960% | 660 |
| Noninterest expense to average assets | 3.1309% | 1,688 |
| Loan and lease loss provision to assets | 0.0739% | 2,517 |
| Net operating income to assets | 1.7627% | 577 |
| Return on assets (ROA) | 1.7032% | 699 |
| Pretax return on assets | 1.7270% | 1,116 |
| Return on Equity (ROE) | 12.7764% | 1,248 |
| Retained earnings to average equity (ytd only) | 2.6492% | 3,712 |
| Net charge-offs to loans | 0.1373% | 1,410 |
| Credit loss provision to net charge-offs | 109.2593% | 2,278 |
| Earnings coverage of net charge-offs (x) | 27.5185% | 1,662 |
| Efficiency ratio | 62.7195% | 3,260 |
| Assets per employee ($millions) | 3.9071% | 4,023 |
| Cash dividends to net income (ytd only)* | 79.2647% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 1,790 |
| Loan loss allowance to noncurrent loans | 191.7563% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 3,050 |
| Noncurrent loans to loans | 0.6940% | 2,146 |
| Net loans and leases to total assets | 48.3461% | 4,411 |
| Net loans and leases to deposits | 59.1636% | 4,325 |
| Net loans and leases to core deposits | 60.2802% | 4,428 |
| Total domestic deposits to total assets | 81.7160% | 3,584 |
| Equity capital to assets | 13.1091% | 1,453 |
| Core capital (leverage) ratio | 13.1584% | 1,166 |
| Tier 1 risk-based capital ratio | 25.5282% | 714 |
| Total risk-based capital ratio | 26.7783% | 694 |
| Memoranda: | ||
| Average total assets | $79,849,200 | 4,289 |
| Average earning assets | $73,213,000 | 4,294 |
| Average equity | $10,644,600 | 4,165 |
| Average total loans | $39,319,400 | 4,419 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 3,024 |
| Cost of funding earning assets | 0.3540% | 4,641 |
| Net interest margin | 4.1567% | 1,480 |
| Noninterest income to average assets | 1.1837% | 656 |
| Noninterest expense to average assets | 3.1542% | 1,570 |
| Loan and lease loss provision to assets | 0.0521% | 2,863 |
| Net operating income to assets | 1.7631% | 658 |
| Return on assets (ROA) | 1.6965% | 789 |
| Pretax return on assets | 1.7200% | 1,288 |
| Return on Equity (ROE) | 12.6715% | 1,396 |
| Retained earnings to average equity (ytd only) | 9.1300% | 1,012 |
| Net charge-offs to loans | 0.1603% | 1,041 |
| Credit loss provision to net charge-offs | 65.9574% | 2,662 |
| Earnings coverage of net charge-offs (x) | 23.2748% | 1,836 |
| Efficiency ratio | 63.1650% | 3,131 |
| Assets per employee ($millions) | 3.7504% | 4,217 |
| Cash dividends to net income (ytd only)* | 27.9484% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 1,864 |
| Loan loss allowance to noncurrent loans | 289.8876% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 3,677 |
| Noncurrent loans to loans | 0.4571% | 2,934 |
| Net loans and leases to total assets | 48.7849% | 4,489 |
| Net loans and leases to deposits | 60.7597% | 4,351 |
| Net loans and leases to core deposits | 62.1554% | 4,450 |
| Total domestic deposits to total assets | 80.2915% | 3,926 |
| Equity capital to assets | 14.2246% | 1,067 |
| Core capital (leverage) ratio | 13.9044% | 1,008 |
| Tier 1 risk-based capital ratio | 28.0457% | 576 |
| Total risk-based capital ratio | 29.2971% | 556 |
| Memoranda: | ||
| Average total assets | $79,299,000 | 4,353 |
| Average earning assets | $72,684,000 | 4,360 |
| Average equity | $10,616,750 | 4,212 |
| Average total loans | $39,098,500 | 4,481 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 3,138 |
| Cost of funding earning assets | 0.3458% | 4,696 |
| Net interest margin | 4.1168% | 1,565 |
| Noninterest income to average assets | 1.1651% | 633 |
| Noninterest expense to average assets | 3.1253% | 1,667 |
| Loan and lease loss provision to assets | 0.0528% | 2,764 |
| Net operating income to assets | 1.7382% | 672 |
| Return on assets (ROA) | 1.6734% | 793 |
| Pretax return on assets | 1.6960% | 1,277 |
| Return on Equity (ROE) | 12.7623% | 1,316 |
| Retained earnings to average equity (ytd only) | 9.1543% | 989 |
| Net charge-offs to loans | 0.0971% | 1,393 |
| Credit loss provision to net charge-offs | 110.5263% | 1,843 |
| Earnings coverage of net charge-offs (x) | 37.9474% | 1,281 |
| Efficiency ratio | 63.2705% | 3,243 |
| Assets per employee ($millions) | 4.9351% | 2,556 |
| Cash dividends to net income (ytd only)* | 28.2707% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 1,719 |
| Loan loss allowance to noncurrent loans | 307.5145% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 3,697 |
| Noncurrent loans to loans | 0.4469% | 2,930 |
| Net loans and leases to total assets | 48.3467% | 4,555 |
| Net loans and leases to deposits | 59.8176% | 4,438 |
| Net loans and leases to core deposits | 60.6925% | 4,551 |
| Total domestic deposits to total assets | 80.8234% | 3,869 |
| Equity capital to assets | 13.7980% | 1,200 |
| Core capital (leverage) ratio | 13.4544% | 1,134 |
| Tier 1 risk-based capital ratio | 27.3960% | 596 |
| Total risk-based capital ratio | 28.6469% | 584 |
| Memoranda: | ||
| Average total assets | $79,479,330 | 4,382 |
| Average earning assets | $72,872,670 | 4,388 |
| Average equity | $10,421,330 | 4,246 |
| Average total loans | $39,152,000 | 4,515 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3962% | 3,242 |
| Cost of funding earning assets | 0.3458% | 4,693 |
| Net interest margin | 4.0505% | 1,684 |
| Noninterest income to average assets | 1.1789% | 584 |
| Noninterest expense to average assets | 3.0650% | 1,818 |
| Loan and lease loss provision to assets | 0.0853% | 1,996 |
| Net operating income to assets | 1.7042% | 722 |
| Return on assets (ROA) | 1.6353% | 860 |
| Pretax return on assets | 1.6604% | 1,308 |
| Return on Equity (ROE) | 12.8038% | 1,282 |
| Retained earnings to average equity (ytd only) | 9.1119% | 1,286 |
| Net charge-offs to loans | 0.0305% | 1,844 |
| Credit loss provision to net charge-offs | 566.6667% | 562 |
| Earnings coverage of net charge-offs (x) | 120.6667% | 585 |
| Efficiency ratio | 62.7955% | 3,408 |
| Assets per employee ($millions) | 3.9998% | 3,925 |
| Cash dividends to net income (ytd only)* | 28.8344% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 1,743 |
| Loan loss allowance to noncurrent loans | 412.8788% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 3,811 |
| Noncurrent loans to loans | 0.3350% | 3,376 |
| Net loans and leases to total assets | 48.5799% | 4,549 |
| Net loans and leases to deposits | 59.3884% | 4,449 |
| Net loans and leases to core deposits | 60.2344% | 4,555 |
| Total domestic deposits to total assets | 81.8003% | 3,777 |
| Equity capital to assets | 13.0394% | 1,432 |
| Core capital (leverage) ratio | 13.1395% | 1,208 |
| Tier 1 risk-based capital ratio | 26.6289% | 646 |
| Total risk-based capital ratio | 27.8808% | 636 |
| Memoranda: | ||
| Average total assets | $79,738,500 | 4,418 |
| Average earning assets | $72,880,500 | 4,434 |
| Average equity | $10,184,500 | 4,303 |
| Average total loans | $39,374,500 | 4,560 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 3,011 |
| Cost of funding earning assets | 0.2887% | 4,626 |
| Net interest margin | 4.0397% | 1,854 |
| Noninterest income to average assets | 1.1527% | 694 |
| Noninterest expense to average assets | 3.2893% | 1,347 |
| Loan and lease loss provision to assets | 0.1240% | 1,779 |
| Net operating income to assets | 1.4103% | 1,394 |
| Return on assets (ROA) | 1.3559% | 1,582 |
| Pretax return on assets | 1.3686% | 2,241 |
| Return on Equity (ROE) | 10.7816% | 2,171 |
| Retained earnings to average equity (ytd only) | 3.6786% | 3,558 |
| Net charge-offs to loans | 0.1668% | 1,154 |
| Credit loss provision to net charge-offs | 149.2308% | 1,844 |
| Earnings coverage of net charge-offs (x) | 18.6308% | 2,121 |
| Efficiency ratio | 68.0053% | 2,546 |
| Assets per employee ($millions) | 3.9741% | 3,928 |
| Cash dividends to net income (ytd only)* | 65.8812% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,827 |
| Loan loss allowance to noncurrent loans | 129.5122% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 2,397 |
| Noncurrent loans to loans | 1.0421% | 1,570 |
| Net loans and leases to total assets | 48.8305% | 4,592 |
| Net loans and leases to deposits | 59.3341% | 4,513 |
| Net loans and leases to core deposits | 60.0167% | 4,630 |
| Total domestic deposits to total assets | 82.2977% | 3,555 |
| Equity capital to assets | 12.5036% | 1,575 |
| Core capital (leverage) ratio | 13.0642% | 1,222 |
| Tier 1 risk-based capital ratio | 25.9056% | 673 |
| Total risk-based capital ratio | 27.1561% | 660 |
| Memoranda: | ||
| Average total assets | $78,252,800 | 4,456 |
| Average earning assets | $71,366,200 | 4,472 |
| Average equity | $9,840,800 | 4,326 |
| Average total loans | $38,962,400 | 4,587 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 3,124 |
| Cost of funding earning assets | 0.2584% | 4,736 |
| Net interest margin | 3.9990% | 1,959 |
| Noninterest income to average assets | 1.1683% | 691 |
| Noninterest expense to average assets | 3.2620% | 1,391 |
| Loan and lease loss provision to assets | 0.1317% | 1,529 |
| Net operating income to assets | 1.4175% | 1,427 |
| Return on assets (ROA) | 1.3650% | 1,608 |
| Pretax return on assets | 1.3753% | 2,324 |
| Return on Equity (ROE) | 10.8386% | 2,243 |
| Retained earnings to average equity (ytd only) | 8.5161% | 1,412 |
| Net charge-offs to loans | 0.1990% | 850 |
| Credit loss provision to net charge-offs | 132.7586% | 1,864 |
| Earnings coverage of net charge-offs (x) | 15.7244% | 2,201 |
| Efficiency ratio | 67.6481% | 2,604 |
| Assets per employee ($millions) | 3.9978% | 3,889 |
| Cash dividends to net income (ytd only)* | 21.4282% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 2,052 |
| Loan loss allowance to noncurrent loans | 213.6364% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 3,319 |
| Noncurrent loans to loans | 0.6136% | 2,549 |
| Net loans and leases to total assets | 48.6793% | 4,680 |
| Net loans and leases to deposits | 59.1682% | 4,591 |
| Net loans and leases to core deposits | 59.8441% | 4,710 |
| Total domestic deposits to total assets | 82.2728% | 3,535 |
| Equity capital to assets | 12.4931% | 1,593 |
| Core capital (leverage) ratio | 13.5963% | 1,064 |
| Tier 1 risk-based capital ratio | 26.4827% | 650 |
| Total risk-based capital ratio | 27.7339% | 641 |
| Memoranda: | ||
| Average total assets | $77,945,750 | 4,510 |
| Average earning assets | $71,216,000 | 4,516 |
| Average equity | $9,816,500 | 4,365 |
| Average total loans | $38,867,500 | 4,635 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 3,012 |
| Cost of funding earning assets | 0.2240% | 4,893 |
| Net interest margin | 4.0063% | 1,836 |
| Noninterest income to average assets | 1.1595% | 716 |
| Noninterest expense to average assets | 3.2352% | 1,462 |
| Loan and lease loss provision to assets | 0.1346% | 1,462 |
| Net operating income to assets | 1.4385% | 1,314 |
| Return on assets (ROA) | 1.3847% | 1,495 |
| Pretax return on assets | 1.3924% | 2,174 |
| Return on Equity (ROE) | 10.9642% | 2,129 |
| Retained earnings to average equity (ytd only) | 8.6279% | 1,345 |
| Net charge-offs to loans | 0.0827% | 1,500 |
| Credit loss provision to net charge-offs | 325.0000% | 951 |
| Earnings coverage of net charge-offs (x) | 38.1875% | 1,334 |
| Efficiency ratio | 67.1682% | 2,787 |
| Assets per employee ($millions) | 3.8455% | 4,137 |
| Cash dividends to net income (ytd only)* | 21.3084% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 1,899 |
| Loan loss allowance to noncurrent loans | 262.7451% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 2,535 |
| Noncurrent loans to loans | 0.5176% | 2,866 |
| Net loans and leases to total assets | 50.5520% | 4,576 |
| Net loans and leases to deposits | 60.6593% | 4,495 |
| Net loans and leases to core deposits | 61.3698% | 4,637 |
| Total domestic deposits to total assets | 83.3375% | 3,313 |
| Equity capital to assets | 12.8555% | 1,367 |
| Core capital (leverage) ratio | 13.5374% | 1,054 |
| Tier 1 risk-based capital ratio | 26.2203% | 657 |
| Total risk-based capital ratio | 27.4710% | 638 |
| Memoranda: | ||
| Average total assets | $77,275,670 | 4,566 |
| Average earning assets | $70,539,000 | 4,579 |
| Average equity | $9,759,000 | 4,415 |
| Average total loans | $38,677,000 | 4,679 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 3,069 |
| Cost of funding earning assets | 0.2156% | 4,925 |
| Net interest margin | 3.9323% | 1,921 |
| Noninterest income to average assets | 1.1619% | 679 |
| Noninterest expense to average assets | 3.2533% | 1,447 |
| Loan and lease loss provision to assets | 0.1033% | 1,797 |
| Net operating income to assets | 1.3788% | 1,398 |
| Return on assets (ROA) | 1.3220% | 1,578 |
| Pretax return on assets | 1.3272% | 2,260 |
| Return on Equity (ROE) | 10.5621% | 2,148 |
| Retained earnings to average equity (ytd only) | 8.2104% | 1,763 |
| Net charge-offs to loans | 0.2402% | 636 |
| Credit loss provision to net charge-offs | 86.9565% | 1,687 |
| Earnings coverage of net charge-offs (x) | 12.5217% | 1,798 |
| Efficiency ratio | 68.6275% | 2,728 |
| Assets per employee ($millions) | 3.8153% | 4,268 |
| Cash dividends to net income (ytd only)* | 22.2656% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,248 |
| Loan loss allowance to noncurrent loans | 179.0614% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 2,543 |
| Noncurrent loans to loans | 0.7259% | 2,395 |
| Net loans and leases to total assets | 49.3611% | 4,606 |
| Net loans and leases to deposits | 57.8012% | 4,596 |
| Net loans and leases to core deposits | 58.4651% | 4,729 |
| Total domestic deposits to total assets | 85.3981% | 2,790 |
| Equity capital to assets | 12.7003% | 1,384 |
| Core capital (leverage) ratio | 13.1749% | 1,116 |
| Tier 1 risk-based capital ratio | 26.1146% | 674 |
| Total risk-based capital ratio | 27.3645% | 663 |
| Memoranda: | ||
| Average total assets | $77,459,000 | 4,616 |
| Average earning assets | $70,492,500 | 4,632 |
| Average equity | $9,695,000 | 4,469 |
| Average total loans | $38,308,000 | 4,742 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 3,100 |
| Cost of funding earning assets | 0.2216% | 4,777 |
| Net interest margin | 3.8659% | 2,197 |
| Noninterest income to average assets | 0.8859% | 1,312 |
| Noninterest expense to average assets | 3.1745% | 1,668 |
| Loan and lease loss provision to assets | 0.1426% | 1,590 |
| Net operating income to assets | 1.0651% | 1,991 |
| Return on assets (ROA) | 1.0128% | 2,219 |
| Pretax return on assets | 1.0089% | 3,534 |
| Return on Equity (ROE) | 8.0264% | 2,782 |
| Retained earnings to average equity (ytd only) | 3.8058% | 2,939 |
| Net charge-offs to loans | 0.2300% | 1,125 |
| Credit loss provision to net charge-offs | 126.7442% | 2,077 |
| Earnings coverage of net charge-offs (x) | 10.6977% | 2,649 |
| Efficiency ratio | 72.5045% | 2,147 |
| Assets per employee ($millions) | 3.7435% | 4,373 |
| Cash dividends to net income (ytd only)* | 52.5840% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,226 |
| Loan loss allowance to noncurrent loans | 75.6061% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2135% | 1,212 |
| Noncurrent loans to loans | 1.7163% | 943 |
| Net loans and leases to total assets | 48.2821% | 4,747 |
| Net loans and leases to deposits | 55.9988% | 4,798 |
| Net loans and leases to core deposits | 56.6169% | 4,904 |
| Total domestic deposits to total assets | 86.2198% | 2,344 |
| Equity capital to assets | 12.3377% | 1,622 |
| Core capital (leverage) ratio | 12.4972% | 1,359 |
| Tier 1 risk-based capital ratio | 25.0405% | 722 |
| Total risk-based capital ratio | 26.2883% | 707 |
| Memoranda: | ||
| Average total assets | $76,421,800 | 4,659 |
| Average earning assets | $69,039,600 | 4,682 |
| Average equity | $9,643,200 | 4,503 |
| Average total loans | $37,389,400 | 4,807 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 3,048 |
| Cost of funding earning assets | 0.2122% | 4,874 |
| Net interest margin | 3.8689% | 2,150 |
| Noninterest income to average assets | 0.9226% | 1,208 |
| Noninterest expense to average assets | 3.1508% | 1,672 |
| Loan and lease loss provision to assets | 0.1845% | 1,068 |
| Net operating income to assets | 1.0877% | 2,140 |
| Return on assets (ROA) | 1.0333% | 2,434 |
| Pretax return on assets | 1.0245% | 3,590 |
| Return on Equity (ROE) | 8.1417% | 3,053 |
| Retained earnings to average equity (ytd only) | 5.4416% | 2,576 |
| Net charge-offs to loans | 0.2622% | 826 |
| Credit loss provision to net charge-offs | 143.8356% | 1,743 |
| Earnings coverage of net charge-offs (x) | 9.8494% | 2,655 |
| Efficiency ratio | 71.3774% | 2,306 |
| Assets per employee ($millions) | 3.9129% | 4,128 |
| Cash dividends to net income (ytd only)* | 33.1628% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,129 |
| Loan loss allowance to noncurrent loans | 122.1154% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 1,794 |
| Noncurrent loans to loans | 1.1042% | 1,742 |
| Net loans and leases to total assets | 47.4910% | 4,860 |
| Net loans and leases to deposits | 55.2861% | 4,907 |
| Net loans and leases to core deposits | 55.9007% | 5,003 |
| Total domestic deposits to total assets | 85.9003% | 2,344 |
| Equity capital to assets | 12.7069% | 1,539 |
| Core capital (leverage) ratio | 13.3843% | 1,066 |
| Tier 1 risk-based capital ratio | 25.9755% | 679 |
| Total risk-based capital ratio | 27.2273% | 667 |
| Memoranda: | ||
| Average total assets | $75,874,000 | 4,717 |
| Average earning assets | $68,476,500 | 4,743 |
| Average equity | $9,629,250 | 4,549 |
| Average total loans | $37,123,000 | 4,867 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,005 |
| Cost of funding earning assets | 0.2153% | 4,842 |
| Net interest margin | 3.8372% | 2,144 |
| Noninterest income to average assets | 0.9030% | 1,266 |
| Noninterest expense to average assets | 3.1566% | 1,686 |
| Loan and lease loss provision to assets | 0.1412% | 1,451 |
| Net operating income to assets | 1.0922% | 2,014 |
| Return on assets (ROA) | 1.0416% | 2,282 |
| Pretax return on assets | 1.0202% | 3,476 |
| Return on Equity (ROE) | 8.2106% | 2,910 |
| Retained earnings to average equity (ytd only) | 5.5227% | 2,397 |
| Net charge-offs to loans | 0.3682% | 554 |
| Credit loss provision to net charge-offs | 77.9412% | 2,285 |
| Earnings coverage of net charge-offs (x) | 6.6912% | 2,677 |
| Efficiency ratio | 72.2561% | 2,291 |
| Assets per employee ($millions) | 3.6645% | 4,489 |
| Cash dividends to net income (ytd only)* | 32.7366% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,682 |
| Loan loss allowance to noncurrent loans | 98.2942% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 1,705 |
| Noncurrent loans to loans | 1.2728% | 1,520 |
| Net loans and leases to total assets | 49.6493% | 4,732 |
| Net loans and leases to deposits | 58.6695% | 4,725 |
| Net loans and leases to core deposits | 59.3760% | 4,854 |
| Total domestic deposits to total assets | 84.6255% | 2,969 |
| Equity capital to assets | 13.4398% | 1,173 |
| Core capital (leverage) ratio | 13.2993% | 1,056 |
| Tier 1 risk-based capital ratio | 26.7359% | 622 |
| Total risk-based capital ratio | 27.9869% | 609 |
| Memoranda: | ||
| Average total assets | $75,079,670 | 4,765 |
| Average earning assets | $67,809,000 | 4,790 |
| Average equity | $9,524,330 | 4,588 |
| Average total loans | $36,939,670 | 4,901 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9864% | 3,091 |
| Cost of funding earning assets | 0.0931% | 5,682 |
| Net interest margin | 3.8932% | 1,805 |
| Noninterest income to average assets | 0.8003% | 1,550 |
| Noninterest expense to average assets | 3.1168% | 1,817 |
| Loan and lease loss provision to assets | 0.1211% | 1,584 |
| Net operating income to assets | 1.0235% | 2,207 |
| Return on assets (ROA) | 0.9740% | 2,472 |
| Pretax return on assets | 1.0319% | 3,228 |
| Return on Equity (ROE) | 7.9047% | 2,971 |
| Retained earnings to average equity (ytd only) | 5.1701% | 2,800 |
| Net charge-offs to loans | 0.3353% | 548 |
| Credit loss provision to net charge-offs | 74.1935% | 1,795 |
| Earnings coverage of net charge-offs (x) | 7.3871% | 2,139 |
| Efficiency ratio | 72.1072% | 2,555 |
| Assets per employee ($millions) | 4.1174% | 3,811 |
| Cash dividends to net income (ytd only)* | 34.5946% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,689 |
| Loan loss allowance to noncurrent loans | 123.8095% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9148% | 2,024 |
| Noncurrent loans to loans | 1.0252% | 2,006 |
| Net loans and leases to total assets | 49.1162% | 4,741 |
| Net loans and leases to deposits | 57.7663% | 4,719 |
| Net loans and leases to core deposits | 58.4499% | 4,855 |
| Total domestic deposits to total assets | 85.0258% | 3,078 |
| Equity capital to assets | 12.7938% | 1,355 |
| Core capital (leverage) ratio | 12.6483% | 1,268 |
| Tier 1 risk-based capital ratio | 26.2540% | 668 |
| Total risk-based capital ratio | 27.5033% | 658 |
| Memoranda: | ||
| Average total assets | $75,974,500 | 4,792 |
| Average earning assets | $68,734,500 | 4,814 |
| Average equity | $9,361,500 | 4,647 |
| Average total loans | $36,985,000 | 4,944 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6391% | 4,405 |
| Cost of funding earning assets | 0.2202% | 4,831 |
| Net interest margin | 3.4189% | 3,755 |
| Noninterest income to average assets | 0.8499% | 1,578 |
| Noninterest expense to average assets | 3.0787% | 2,100 |
| Loan and lease loss provision to assets | 0.0311% | 3,732 |
| Net operating income to assets | 0.8786% | 2,938 |
| Return on assets (ROA) | 0.8176% | 3,328 |
| Pretax return on assets | 0.8199% | 4,132 |
| Return on Equity (ROE) | 7.1011% | 3,417 |
| Retained earnings to average equity (ytd only) | 2.4121% | 4,151 |
| Net charge-offs to loans | 0.1387% | 1,864 |
| Credit loss provision to net charge-offs | 52.0000% | 3,352 |
| Earnings coverage of net charge-offs (x) | 15.2400% | 2,218 |
| Efficiency ratio | 77.1446% | 1,821 |
| Assets per employee ($millions) | 3.5380% | 4,701 |
| Cash dividends to net income (ytd only)* | 66.0322% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,638 |
| Loan loss allowance to noncurrent loans | 81.5068% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 1,488 |
| Noncurrent loans to loans | 1.5741% | 1,253 |
| Net loans and leases to total assets | 47.0534% | 4,953 |
| Net loans and leases to deposits | 54.5918% | 4,984 |
| Net loans and leases to core deposits | 55.6156% | 5,063 |
| Total domestic deposits to total assets | 86.1913% | 2,495 |
| Equity capital to assets | 11.8726% | 1,896 |
| Core capital (leverage) ratio | 11.8490% | 1,695 |
| Tier 1 risk-based capital ratio | 25.3129% | 741 |
| Total risk-based capital ratio | 26.5618% | 731 |
| Memoranda: | ||
| Average total assets | $83,542,200 | 4,659 |
| Average earning assets | $76,749,000 | 4,654 |
| Average equity | $9,618,200 | 4,646 |
| Average total loans | $36,051,400 | 5,019 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5348% | 4,719 |
| Cost of funding earning assets | 0.2112% | 4,963 |
| Net interest margin | 3.3235% | 4,116 |
| Noninterest income to average assets | 0.8128% | 1,706 |
| Noninterest expense to average assets | 3.0002% | 2,320 |
| Loan and lease loss provision to assets | 0.0094% | 4,052 |
| Net operating income to assets | 0.8646% | 3,078 |
| Return on assets (ROA) | 0.8097% | 3,462 |
| Pretax return on assets | 0.8097% | 4,279 |
| Return on Equity (ROE) | 7.0834% | 3,519 |
| Retained earnings to average equity (ytd only) | 3.9536% | 3,490 |
| Net charge-offs to loans | 0.0931% | 2,020 |
| Credit loss provision to net charge-offs | 24.0000% | 3,265 |
| Earnings coverage of net charge-offs (x) | 22.2817% | 1,767 |
| Efficiency ratio | 77.4403% | 1,769 |
| Assets per employee ($millions) | 4.1430% | 3,702 |
| Cash dividends to net income (ytd only)* | 44.1859% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,675 |
| Loan loss allowance to noncurrent loans | 89.4052% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.0765% | 1,904 |
| Noncurrent loans to loans | 1.4575% | 1,483 |
| Net loans and leases to total assets | 43.9669% | 5,192 |
| Net loans and leases to deposits | 50.8302% | 5,260 |
| Net loans and leases to core deposits | 51.7207% | 5,320 |
| Total domestic deposits to total assets | 86.4977% | 2,127 |
| Equity capital to assets | 11.9696% | 2,144 |
| Core capital (leverage) ratio | 11.6244% | 1,938 |
| Tier 1 risk-based capital ratio | 24.8161% | 832 |
| Total risk-based capital ratio | 26.0670% | 815 |
| Memoranda: | ||
| Average total assets | $84,969,000 | 4,667 |
| Average earning assets | $78,268,000 | 4,657 |
| Average equity | $9,712,500 | 4,675 |
| Average total loans | $35,789,250 | 5,072 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4748% | 4,935 |
| Cost of funding earning assets | 0.2127% | 5,009 |
| Net interest margin | 3.2621% | 4,341 |
| Noninterest income to average assets | 0.8147% | 1,659 |
| Noninterest expense to average assets | 3.0068% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8194% | 3,221 |
| Return on assets (ROA) | 0.7494% | 3,702 |
| Pretax return on assets | 0.7447% | 4,478 |
| Return on Equity (ROE) | 6.6570% | 3,718 |
| Retained earnings to average equity (ytd only) | 3.5048% | 3,669 |
| Net charge-offs to loans | 0.0678% | 2,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 29.0833% | 1,410 |
| Efficiency ratio | 78.6805% | 1,693 |
| Assets per employee ($millions) | 3.7835% | 4,296 |
| Cash dividends to net income (ytd only)* | 47.3520% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 2,535 |
| Loan loss allowance to noncurrent loans | 93.1298% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 2,014 |
| Noncurrent loans to loans | 1.4493% | 1,529 |
| Net loans and leases to total assets | 42.8511% | 5,293 |
| Net loans and leases to deposits | 49.6257% | 5,353 |
| Net loans and leases to core deposits | 50.4919% | 5,412 |
| Total domestic deposits to total assets | 86.3486% | 2,239 |
| Equity capital to assets | 11.9310% | 2,174 |
| Core capital (leverage) ratio | 11.1687% | 2,264 |
| Tier 1 risk-based capital ratio | 24.8041% | 829 |
| Total risk-based capital ratio | 26.0543% | 818 |
| Memoranda: | ||
| Average total assets | $85,672,000 | 4,698 |
| Average earning assets | $78,968,000 | 4,676 |
| Average equity | $9,644,000 | 4,715 |
| Average total loans | $35,415,000 | 5,126 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 5,084 |
| Cost of funding earning assets | 0.2099% | 5,108 |
| Net interest margin | 3.2077% | 4,558 |
| Noninterest income to average assets | 0.8102% | 1,585 |
| Noninterest expense to average assets | 2.9693% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8148% | 3,170 |
| Return on assets (ROA) | 0.7550% | 3,568 |
| Pretax return on assets | 0.7366% | 4,398 |
| Return on Equity (ROE) | 6.9049% | 3,501 |
| Retained earnings to average equity (ytd only) | 3.7051% | 3,637 |
| Net charge-offs to loans | 0.0799% | 1,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 24.7143% | 1,321 |
| Efficiency ratio | 78.8509% | 1,775 |
| Assets per employee ($millions) | 3.8738% | 4,173 |
| Cash dividends to net income (ytd only)* | 46.3415% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 2,285 |
| Loan loss allowance to noncurrent loans | 99.1952% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 2,213 |
| Noncurrent loans to loans | 1.4415% | 1,648 |
| Net loans and leases to total assets | 39.8777% | 5,458 |
| Net loans and leases to deposits | 45.6757% | 5,523 |
| Net loans and leases to core deposits | 46.4441% | 5,570 |
| Total domestic deposits to total assets | 87.3062% | 2,048 |
| Equity capital to assets | 11.3045% | 2,620 |
| Core capital (leverage) ratio | 10.8075% | 2,611 |
| Tier 1 risk-based capital ratio | 25.1447% | 799 |
| Total risk-based capital ratio | 26.3963% | 782 |
| Memoranda: | ||
| Average total assets | $86,889,500 | 4,707 |
| Average earning assets | $80,057,000 | 4,705 |
| Average equity | $9,500,500 | 4,761 |
| Average total loans | $35,044,500 | 5,172 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 4,642 |
| Cost of funding earning assets | 0.2313% | 5,000 |
| Net interest margin | 3.3789% | 3,996 |
| Noninterest income to average assets | 0.9686% | 1,264 |
| Noninterest expense to average assets | 2.9932% | 2,572 |
| Loan and lease loss provision to assets | 0.0565% | 3,178 |
| Net operating income to assets | 1.0136% | 2,289 |
| Return on assets (ROA) | 0.9674% | 2,616 |
| Pretax return on assets | 0.9785% | 3,548 |
| Return on Equity (ROE) | 8.5264% | 2,705 |
| Retained earnings to average equity (ytd only) | 4.0086% | 3,173 |
| Net charge-offs to loans | 0.1782% | 1,608 |
| Credit loss provision to net charge-offs | 71.8750% | 3,088 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 2,351 |
| Efficiency ratio | 73.4540% | 2,666 |
| Assets per employee ($millions) | 4.4278% | 3,157 |
| Cash dividends to net income (ytd only)* | 52.9860% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 2,404 |
| Loan loss allowance to noncurrent loans | 75.7576% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.1450% | 1,907 |
| Noncurrent loans to loans | 1.8534% | 1,161 |
| Net loans and leases to total assets | 39.6484% | 5,536 |
| Net loans and leases to deposits | 44.9490% | 5,615 |
| Net loans and leases to core deposits | 46.1477% | 5,643 |
| Total domestic deposits to total assets | 88.2075% | 1,530 |
| Equity capital to assets | 10.5775% | 3,278 |
| Core capital (leverage) ratio | 10.7063% | 2,703 |
| Tier 1 risk-based capital ratio | 24.1033% | 916 |
| Total risk-based capital ratio | 25.3534% | 896 |
| Memoranda: | ||
| Average total assets | $81,352,200 | 4,839 |
| Average earning assets | $74,787,800 | 4,837 |
| Average equity | $9,230,200 | 4,796 |
| Average total loans | $35,911,200 | 5,158 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,322 |
| Cost of funding earning assets | 0.2280% | 5,113 |
| Net interest margin | 3.5037% | 3,516 |
| Noninterest income to average assets | 0.7542% | 2,004 |
| Noninterest expense to average assets | 2.9599% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0034% | 2,454 |
| Return on assets (ROA) | 0.9537% | 2,787 |
| Pretax return on assets | 0.9637% | 3,765 |
| Return on Equity (ROE) | 8.2498% | 2,944 |
| Retained earnings to average equity (ytd only) | 5.3210% | 2,704 |
| Net charge-offs to loans | 0.1964% | 1,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 11.4159% | 2,491 |
| Efficiency ratio | 74.4833% | 2,474 |
| Assets per employee ($millions) | 3.7302% | 4,391 |
| Cash dividends to net income (ytd only)* | 35.5012% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 3,134 |
| Loan loss allowance to noncurrent loans | 76.8595% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 2,268 |
| Noncurrent loans to loans | 1.6820% | 1,449 |
| Net loans and leases to total assets | 43.2633% | 5,402 |
| Net loans and leases to deposits | 49.6691% | 5,486 |
| Net loans and leases to core deposits | 51.1187% | 5,539 |
| Total domestic deposits to total assets | 87.1029% | 1,979 |
| Equity capital to assets | 11.4994% | 2,509 |
| Core capital (leverage) ratio | 11.5831% | 1,969 |
| Tier 1 risk-based capital ratio | 24.8210% | 872 |
| Total risk-based capital ratio | 26.0686% | 863 |
| Memoranda: | ||
| Average total assets | $79,551,250 | 4,937 |
| Average earning assets | $73,101,250 | 4,932 |
| Average equity | $9,196,000 | 4,867 |
| Average total loans | $35,986,250 | 5,216 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 4,085 |
| Cost of funding earning assets | 0.2299% | 5,147 |
| Net interest margin | 3.5653% | 3,227 |
| Noninterest income to average assets | 0.8334% | 1,659 |
| Noninterest expense to average assets | 3.0541% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0387% | 2,180 |
| Return on assets (ROA) | 0.9909% | 2,545 |
| Pretax return on assets | 1.0011% | 3,586 |
| Return on Equity (ROE) | 8.5567% | 2,773 |
| Retained earnings to average equity (ytd only) | 5.5948% | 2,472 |
| Net charge-offs to loans | 0.0834% | 2,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 27.5333% | 1,449 |
| Efficiency ratio | 74.4272% | 2,626 |
| Assets per employee ($millions) | 3.5006% | 4,788 |
| Cash dividends to net income (ytd only)* | 34.6154% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 2,678 |
| Loan loss allowance to noncurrent loans | 77.0291% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.2556% | 1,998 |
| Noncurrent loans to loans | 1.8389% | 1,379 |
| Net loans and leases to total assets | 45.4573% | 5,293 |
| Net loans and leases to deposits | 52.4221% | 5,357 |
| Net loans and leases to core deposits | 54.0614% | 5,415 |
| Total domestic deposits to total assets | 86.7139% | 2,312 |
| Equity capital to assets | 11.8681% | 2,128 |
| Core capital (leverage) ratio | 11.5359% | 1,964 |
| Tier 1 risk-based capital ratio | 25.0034% | 861 |
| Total risk-based capital ratio | 26.2538% | 848 |
| Memoranda: | ||
| Average total assets | $78,713,330 | 5,002 |
| Average earning assets | $72,195,330 | 4,997 |
| Average equity | $9,115,670 | 4,920 |
| Average total loans | $35,992,000 | 5,256 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 4,432 |
| Cost of funding earning assets | 0.2301% | 5,215 |
| Net interest margin | 3.4510% | 3,623 |
| Noninterest income to average assets | 0.8748% | 1,480 |
| Noninterest expense to average assets | 3.0868% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9494% | 2,515 |
| Return on assets (ROA) | 0.8748% | 3,000 |
| Pretax return on assets | 0.8798% | 3,963 |
| Return on Equity (ROE) | 7.6454% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.6454% | 1,704 |
| Net charge-offs to loans | 0.0883% | 1,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 23.7500% | 1,317 |
| Efficiency ratio | 76.3682% | 2,456 |
| Assets per employee ($millions) | 3.9827% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 2,753 |
| Loan loss allowance to noncurrent loans | 79.0698% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 2,225 |
| Noncurrent loans to loans | 1.8190% | 1,490 |
| Net loans and leases to total assets | 43.8766% | 5,361 |
| Net loans and leases to deposits | 50.4489% | 5,425 |
| Net loans and leases to core deposits | 51.9665% | 5,491 |
| Total domestic deposits to total assets | 86.9722% | 2,385 |
| Equity capital to assets | 11.6292% | 2,353 |
| Core capital (leverage) ratio | 11.3447% | 2,120 |
| Tier 1 risk-based capital ratio | 24.6632% | 919 |
| Total risk-based capital ratio | 25.9129% | 903 |
| Memoranda: | ||
| Average total assets | $79,563,500 | 5,037 |
| Average earning assets | $73,023,000 | 5,026 |
| Average equity | $9,103,500 | 4,963 |
| Average total loans | $36,232,500 | 5,289 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 4,277 |
| Cost of funding earning assets | 0.2705% | 5,096 |
| Net interest margin | 3.5912% | 3,446 |
| Noninterest income to average assets | 0.7641% | 2,018 |
| Noninterest expense to average assets | 2.9863% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0498% | 2,162 |
| Return on assets (ROA) | 0.9879% | 2,524 |
| Pretax return on assets | 1.0030% | 3,483 |
| Return on Equity (ROE) | 9.0474% | 2,561 |
| Retained earnings to average equity (ytd only) | 3.9396% | 3,406 |
| Net charge-offs to loans | -0.0582% | 5,970 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7037% | 2,879 |
| Assets per employee ($millions) | 3.7845% | 4,372 |
| Cash dividends to net income (ytd only)* | 56.4557% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 2,952 |
| Loan loss allowance to noncurrent loans | 82.2222% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.1085% | 2,535 |
| Noncurrent loans to loans | 1.7024% | 1,718 |
| Net loans and leases to total assets | 45.9119% | 5,328 |
| Net loans and leases to deposits | 52.4985% | 5,447 |
| Net loans and leases to core deposits | 54.1510% | 5,493 |
| Total domestic deposits to total assets | 87.4538% | 2,058 |
| Equity capital to assets | 11.2540% | 2,649 |
| Core capital (leverage) ratio | 11.0031% | 2,408 |
| Tier 1 risk-based capital ratio | 22.5944% | 1,134 |
| Total risk-based capital ratio | 23.8377% | 1,126 |
| Memoranda: | ||
| Average total assets | $79,964,000 | 5,064 |
| Average earning assets | $73,207,000 | 5,059 |
| Average equity | $8,731,800 | 5,043 |
| Average total loans | $36,106,400 | 5,325 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8587% | 4,332 |
| Cost of funding earning assets | 0.2693% | 5,211 |
| Net interest margin | 3.5895% | 3,469 |
| Noninterest income to average assets | 0.7342% | 2,164 |
| Noninterest expense to average assets | 2.9035% | 3,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0973% | 2,048 |
| Return on assets (ROA) | 1.0222% | 2,414 |
| Pretax return on assets | 1.0389% | 3,431 |
| Return on Equity (ROE) | 9.4328% | 2,485 |
| Retained earnings to average equity (ytd only) | 5.9761% | 2,427 |
| Net charge-offs to loans | -0.1338% | 6,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2452% | 3,136 |
| Assets per employee ($millions) | 3.6845% | 4,519 |
| Cash dividends to net income (ytd only)* | 36.6445% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 2,953 |
| Loan loss allowance to noncurrent loans | 102.1073% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 3,062 |
| Noncurrent loans to loans | 1.4178% | 2,293 |
| Net loans and leases to total assets | 44.7619% | 5,476 |
| Net loans and leases to deposits | 51.0539% | 5,582 |
| Net loans and leases to core deposits | 52.6221% | 5,647 |
| Total domestic deposits to total assets | 87.6758% | 1,937 |
| Equity capital to assets | 11.0424% | 2,911 |
| Core capital (leverage) ratio | 11.1162% | 2,381 |
| Tier 1 risk-based capital ratio | 22.9815% | 1,113 |
| Total risk-based capital ratio | 24.2345% | 1,092 |
| Memoranda: | ||
| Average total assets | $80,086,500 | 5,121 |
| Average earning assets | $73,286,500 | 5,115 |
| Average equity | $8,678,750 | 5,094 |
| Average total loans | $35,881,500 | 5,385 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 4,325 |
| Cost of funding earning assets | 0.2773% | 5,219 |
| Net interest margin | 3.5751% | 3,463 |
| Noninterest income to average assets | 0.7547% | 2,024 |
| Noninterest expense to average assets | 2.9563% | 2,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0415% | 2,155 |
| Return on assets (ROA) | 0.9654% | 2,565 |
| Pretax return on assets | 0.9854% | 3,532 |
| Return on Equity (ROE) | 8.9660% | 2,614 |
| Retained earnings to average equity (ytd only) | 5.4728% | 2,650 |
| Net charge-offs to loans | -0.2024% | 6,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5496% | 3,055 |
| Assets per employee ($millions) | 3.8073% | 4,238 |
| Cash dividends to net income (ytd only)* | 38.9610% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 2,930 |
| Loan loss allowance to noncurrent loans | 74.4413% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.2958% | 2,524 |
| Noncurrent loans to loans | 2.0070% | 1,684 |
| Net loans and leases to total assets | 43.9546% | 5,533 |
| Net loans and leases to deposits | 50.1656% | 5,625 |
| Net loans and leases to core deposits | 51.9414% | 5,667 |
| Total domestic deposits to total assets | 87.6190% | 2,131 |
| Equity capital to assets | 11.0590% | 2,818 |
| Core capital (leverage) ratio | 10.9813% | 2,443 |
| Tier 1 risk-based capital ratio | 22.8557% | 1,132 |
| Total risk-based capital ratio | 24.1081% | 1,115 |
| Memoranda: | ||
| Average total assets | $79,762,000 | 5,161 |
| Average earning assets | $72,836,670 | 5,164 |
| Average equity | $8,588,000 | 5,140 |
| Average total loans | $35,569,670 | 5,437 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 4,285 |
| Cost of funding earning assets | 0.2810% | 5,271 |
| Net interest margin | 3.5706% | 3,387 |
| Noninterest income to average assets | 0.7632% | 1,898 |
| Noninterest expense to average assets | 3.0226% | 2,794 |
| Loan and lease loss provision to assets | 0.0050% | 3,755 |
| Net operating income to assets | 0.9624% | 2,342 |
| Return on assets (ROA) | 0.9088% | 2,679 |
| Pretax return on assets | 0.9339% | 3,579 |
| Return on Equity (ROE) | 8.5569% | 2,666 |
| Retained earnings to average equity (ytd only) | 5.0112% | 3,106 |
| Net charge-offs to loans | -0.2928% | 6,476 |
| Credit loss provision to net charge-offs | -3.8462% | 4,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2500% | 2,922 |
| Assets per employee ($millions) | 3.8146% | 4,293 |
| Cash dividends to net income (ytd only)* | 41.4365% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 3,309 |
| Loan loss allowance to noncurrent loans | 67.9637% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.3619% | 2,593 |
| Noncurrent loans to loans | 2.1554% | 1,696 |
| Net loans and leases to total assets | 44.0004% | 5,516 |
| Net loans and leases to deposits | 49.9745% | 5,601 |
| Net loans and leases to core deposits | 51.7288% | 5,638 |
| Total domestic deposits to total assets | 88.0458% | 2,214 |
| Equity capital to assets | 10.7071% | 3,033 |
| Core capital (leverage) ratio | 10.8863% | 2,503 |
| Tier 1 risk-based capital ratio | 22.4962% | 1,214 |
| Total risk-based capital ratio | 23.7471% | 1,191 |
| Memoranda: | ||
| Average total assets | $79,666,500 | 5,214 |
| Average earning assets | $72,592,000 | 5,214 |
| Average equity | $8,461,000 | 5,188 |
| Average total loans | $35,516,500 | 5,483 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7451% | 4,995 |
| Cost of funding earning assets | 0.3507% | 5,128 |
| Net interest margin | 3.3944% | 4,293 |
| Noninterest income to average assets | 0.7647% | 2,237 |
| Noninterest expense to average assets | 2.9547% | 3,184 |
| Loan and lease loss provision to assets | 0.0594% | 3,953 |
| Net operating income to assets | 0.8291% | 3,138 |
| Return on assets (ROA) | 0.8389% | 3,173 |
| Pretax return on assets | 0.8500% | 3,961 |
| Return on Equity (ROE) | 8.0004% | 3,034 |
| Retained earnings to average equity (ytd only) | 2.7376% | 4,286 |
| Net charge-offs to loans | 0.1202% | 3,608 |
| Credit loss provision to net charge-offs | 111.6279% | 2,154 |
| Earnings coverage of net charge-offs (x) | 16.9070% | 1,759 |
| Efficiency ratio | 76.6613% | 2,683 |
| Assets per employee ($millions) | 3.9614% | 3,939 |
| Cash dividends to net income (ytd only)* | 65.7817% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,603 |
| Loan loss allowance to noncurrent loans | 43.7115% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 1.8390% | 1,990 |
| Noncurrent loans to loans | 3.2244% | 1,039 |
| Net loans and leases to total assets | 43.8802% | 5,682 |
| Net loans and leases to deposits | 49.9117% | 5,775 |
| Net loans and leases to core deposits | 52.1066% | 5,792 |
| Total domestic deposits to total assets | 87.9157% | 2,222 |
| Equity capital to assets | 10.5330% | 3,107 |
| Core capital (leverage) ratio | 10.5652% | 2,831 |
| Tier 1 risk-based capital ratio | 22.9830% | 1,102 |
| Total risk-based capital ratio | 24.2339% | 1,076 |
| Memoranda: | ||
| Average total assets | $80,821,200 | 5,220 |
| Average earning assets | $73,562,000 | 5,208 |
| Average equity | $8,474,600 | 5,218 |
| Average total loans | $35,784,800 | 5,501 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 5,164 |
| Cost of funding earning assets | 0.3550% | 5,252 |
| Net interest margin | 3.3468% | 4,475 |
| Noninterest income to average assets | 0.7321% | 2,450 |
| Noninterest expense to average assets | 2.9286% | 3,214 |
| Loan and lease loss provision to assets | 0.0575% | 3,902 |
| Net operating income to assets | 0.7850% | 3,426 |
| Return on assets (ROA) | 0.8159% | 3,396 |
| Pretax return on assets | 0.8257% | 4,198 |
| Return on Equity (ROE) | 7.7895% | 3,236 |
| Retained earnings to average equity (ytd only) | 3.5421% | 4,178 |
| Net charge-offs to loans | 0.0743% | 3,880 |
| Credit loss provision to net charge-offs | 175.0000% | 1,371 |
| Earnings coverage of net charge-offs (x) | 25.9460% | 1,363 |
| Efficiency ratio | 77.4642% | 2,488 |
| Assets per employee ($millions) | 4.0654% | 3,709 |
| Cash dividends to net income (ytd only)* | 54.5265% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 3,807 |
| Loan loss allowance to noncurrent loans | 52.1605% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 1.6555% | 2,483 |
| Noncurrent loans to loans | 2.7241% | 1,549 |
| Net loans and leases to total assets | 43.2607% | 5,793 |
| Net loans and leases to deposits | 48.9439% | 5,909 |
| Net loans and leases to core deposits | 51.0249% | 5,950 |
| Total domestic deposits to total assets | 88.3885% | 1,902 |
| Equity capital to assets | 10.3570% | 3,440 |
| Core capital (leverage) ratio | 10.6111% | 2,878 |
| Tier 1 risk-based capital ratio | 22.1694% | 1,290 |
| Total risk-based capital ratio | 23.4208% | 1,270 |
| Memoranda: | ||
| Average total assets | $81,219,750 | 5,254 |
| Average earning assets | $73,979,000 | 5,246 |
| Average equity | $8,507,000 | 5,269 |
| Average total loans | $35,915,500 | 5,551 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6474% | 5,296 |
| Cost of funding earning assets | 0.3704% | 5,222 |
| Net interest margin | 3.2770% | 4,661 |
| Noninterest income to average assets | 0.6183% | 3,083 |
| Noninterest expense to average assets | 2.8452% | 3,530 |
| Loan and lease loss provision to assets | 0.0690% | 3,663 |
| Net operating income to assets | 0.6794% | 3,909 |
| Return on assets (ROA) | 0.7784% | 3,575 |
| Pretax return on assets | 0.7907% | 4,345 |
| Return on Equity (ROE) | 7.4042% | 3,393 |
| Retained earnings to average equity (ytd only) | 3.6318% | 3,997 |
| Net charge-offs to loans | 0.0778% | 3,603 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,390 |
| Efficiency ratio | 78.9474% | 2,307 |
| Assets per employee ($millions) | 3.8153% | 4,180 |
| Cash dividends to net income (ytd only)* | 50.9494% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 3,951 |
| Loan loss allowance to noncurrent loans | 62.4691% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4416% | 2,940 |
| Noncurrent loans to loans | 2.2705% | 2,094 |
| Net loans and leases to total assets | 43.8943% | 5,749 |
| Net loans and leases to deposits | 49.6709% | 5,866 |
| Net loans and leases to core deposits | 51.8128% | 5,898 |
| Total domestic deposits to total assets | 88.3702% | 1,999 |
| Equity capital to assets | 10.3854% | 3,446 |
| Core capital (leverage) ratio | 10.1941% | 3,242 |
| Tier 1 risk-based capital ratio | 22.4691% | 1,207 |
| Total risk-based capital ratio | 23.7190% | 1,194 |
| Memoranda: | ||
| Average total assets | $81,190,670 | 5,291 |
| Average earning assets | $73,969,670 | 5,280 |
| Average equity | $8,535,670 | 5,296 |
| Average total loans | $35,993,670 | 5,572 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 4,718 |
| Cost of funding earning assets | 0.3772% | 5,309 |
| Net interest margin | 3.4537% | 3,887 |
| Noninterest income to average assets | 0.5775% | 3,260 |
| Noninterest expense to average assets | 2.8388% | 3,578 |
| Loan and lease loss provision to assets | 0.0392% | 3,941 |
| Net operating income to assets | 0.8311% | 3,002 |
| Return on assets (ROA) | 0.7391% | 3,619 |
| Pretax return on assets | 0.7440% | 4,398 |
| Return on Equity (ROE) | 6.9883% | 3,490 |
| Retained earnings to average equity (ytd only) | 3.2859% | 4,276 |
| Net charge-offs to loans | 0.0221% | 3,730 |
| Credit loss provision to net charge-offs | 400.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 428 |
| Efficiency ratio | 76.4163% | 2,861 |
| Assets per employee ($millions) | 3.9901% | 3,970 |
| Cash dividends to net income (ytd only)* | 52.9801% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 4,296 |
| Loan loss allowance to noncurrent loans | 73.3432% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.3402% | 3,279 |
| Noncurrent loans to loans | 1.8945% | 2,745 |
| Net loans and leases to total assets | 42.1777% | 5,832 |
| Net loans and leases to deposits | 47.8111% | 5,932 |
| Net loans and leases to core deposits | 49.7803% | 5,984 |
| Total domestic deposits to total assets | 88.2174% | 2,182 |
| Equity capital to assets | 10.4281% | 3,634 |
| Core capital (leverage) ratio | 10.2277% | 3,111 |
| Tier 1 risk-based capital ratio | 21.7517% | 1,382 |
| Total risk-based capital ratio | 23.0022% | 1,352 |
| Memoranda: | ||
| Average total assets | $81,725,000 | 5,327 |
| Average earning assets | $74,238,500 | 5,314 |
| Average equity | $8,643,000 | 5,322 |
| Average total loans | $36,153,000 | 5,611 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0713% | 5,051 |
| Cost of funding earning assets | 0.5042% | 5,192 |
| Net interest margin | 3.5671% | 4,239 |
| Noninterest income to average assets | 0.5117% | 3,821 |
| Noninterest expense to average assets | 2.8479% | 3,848 |
| Loan and lease loss provision to assets | 0.1347% | 3,941 |
| Net operating income to assets | 0.7673% | 3,432 |
| Return on assets (ROA) | 0.7404% | 3,799 |
| Pretax return on assets | 0.7466% | 4,488 |
| Return on Equity (ROE) | 6.9604% | 3,666 |
| Retained earnings to average equity (ytd only) | 1.6268% | 5,053 |
| Net charge-offs to loans | 0.1521% | 4,173 |
| Credit loss provision to net charge-offs | 194.6429% | 1,340 |
| Earnings coverage of net charge-offs (x) | 13.1250% | 1,863 |
| Efficiency ratio | 75.8144% | 2,779 |
| Assets per employee ($millions) | 3.6208% | 4,733 |
| Cash dividends to net income (ytd only)* | 76.6277% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 4,408 |
| Loan loss allowance to noncurrent loans | 60.2203% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.5830% | 3,013 |
| Noncurrent loans to loans | 2.2404% | 2,416 |
| Net loans and leases to total assets | 45.1611% | 5,704 |
| Net loans and leases to deposits | 51.4900% | 5,848 |
| Net loans and leases to core deposits | 51.6920% | 6,036 |
| Total domestic deposits to total assets | 87.7086% | 2,408 |
| Equity capital to assets | 10.7310% | 3,239 |
| Core capital (leverage) ratio | 9.9496% | 3,468 |
| Tier 1 risk-based capital ratio | 19.1343% | 1,923 |
| Total risk-based capital ratio | 20.2873% | 1,917 |
| Memoranda: | ||
| Average total assets | $80,901,800 | 5,329 |
| Average earning assets | $73,588,800 | 5,322 |
| Average equity | $8,605,800 | 5,332 |
| Average total loans | $36,812,800 | 5,646 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 5,322 |
| Cost of funding earning assets | 0.5122% | 5,356 |
| Net interest margin | 3.5496% | 4,440 |
| Noninterest income to average assets | 0.5122% | 3,845 |
| Noninterest expense to average assets | 2.8681% | 3,723 |
| Loan and lease loss provision to assets | 0.1067% | 4,233 |
| Net operating income to assets | 0.7740% | 3,579 |
| Return on assets (ROA) | 0.6895% | 4,216 |
| Pretax return on assets | 0.6945% | 4,882 |
| Return on Equity (ROE) | 6.4962% | 4,066 |
| Retained earnings to average equity (ytd only) | 2.0262% | 5,309 |
| Net charge-offs to loans | 0.0614% | 4,806 |
| Credit loss provision to net charge-offs | 382.3529% | 706 |
| Earnings coverage of net charge-offs (x) | 31.7592% | 1,052 |
| Efficiency ratio | 76.3883% | 2,611 |
| Assets per employee ($millions) | 3.7768% | 4,354 |
| Cash dividends to net income (ytd only)* | 68.8084% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 4,730 |
| Loan loss allowance to noncurrent loans | 68.9802% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3564% | 3,591 |
| Noncurrent loans to loans | 1.9115% | 2,950 |
| Net loans and leases to total assets | 43.8645% | 5,979 |
| Net loans and leases to deposits | 49.8216% | 6,123 |
| Net loans and leases to core deposits | 50.1811% | 6,271 |
| Total domestic deposits to total assets | 88.0431% | 2,022 |
| Equity capital to assets | 10.4634% | 3,887 |
| Core capital (leverage) ratio | 9.9758% | 3,579 |
| Tier 1 risk-based capital ratio | 20.4976% | 1,634 |
| Total risk-based capital ratio | 21.7215% | 1,609 |
| Memoranda: | ||
| Average total assets | $81,213,000 | 5,376 |
| Average earning assets | $74,185,250 | 5,363 |
| Average equity | $8,620,250 | 5,374 |
| Average total loans | $36,899,500 | 5,713 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 5,146 |
| Cost of funding earning assets | 0.5409% | 5,368 |
| Net interest margin | 3.6039% | 4,243 |
| Noninterest income to average assets | 0.5212% | 3,780 |
| Noninterest expense to average assets | 2.8764% | 3,720 |
| Loan and lease loss provision to assets | 0.0620% | 4,870 |
| Net operating income to assets | 0.8711% | 3,038 |
| Return on assets (ROA) | 0.7743% | 3,766 |
| Pretax return on assets | 0.7768% | 4,555 |
| Return on Equity (ROE) | 7.2595% | 3,642 |
| Retained earnings to average equity (ytd only) | 4.6302% | 3,528 |
| Net charge-offs to loans | -0.0054% | 6,177 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4557% | 2,831 |
| Assets per employee ($millions) | 4.0521% | 3,765 |
| Cash dividends to net income (ytd only)* | 36.2179% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 5,122 |
| Loan loss allowance to noncurrent loans | 78.0201% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.2537% | 3,914 |
| Noncurrent loans to loans | 1.6019% | 3,506 |
| Net loans and leases to total assets | 45.3351% | 5,889 |
| Net loans and leases to deposits | 51.6323% | 6,050 |
| Net loans and leases to core deposits | 52.2127% | 6,222 |
| Total domestic deposits to total assets | 87.8037% | 2,279 |
| Equity capital to assets | 10.7439% | 3,401 |
| Core capital (leverage) ratio | 10.0673% | 3,332 |
| Tier 1 risk-based capital ratio | 20.5641% | 1,558 |
| Total risk-based capital ratio | 21.7268% | 1,561 |
| Memoranda: | ||
| Average total assets | $80,587,330 | 5,416 |
| Average earning assets | $73,587,670 | 5,412 |
| Average equity | $8,595,670 | 5,385 |
| Average total loans | $36,888,000 | 5,739 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 5,289 |
| Cost of funding earning assets | 0.5728% | 5,338 |
| Net interest margin | 3.5730% | 4,382 |
| Noninterest income to average assets | 0.5276% | 3,712 |
| Noninterest expense to average assets | 2.7626% | 4,196 |
| Loan and lease loss provision to assets | 0.0597% | 4,663 |
| Net operating income to assets | 0.9656% | 2,614 |
| Return on assets (ROA) | 0.8661% | 3,302 |
| Pretax return on assets | 0.8661% | 4,168 |
| Return on Equity (ROE) | 8.1499% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.2155% | 4,064 |
| Net charge-offs to loans | -0.1416% | 6,903 |
| Credit loss provision to net charge-offs | -92.3077% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9304% | 3,267 |
| Assets per employee ($millions) | 3.8346% | 4,350 |
| Cash dividends to net income (ytd only)* | 48.2759% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 5,168 |
| Loan loss allowance to noncurrent loans | 83.7545% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 4,123 |
| Noncurrent loans to loans | 1.5149% | 3,842 |
| Net loans and leases to total assets | 44.8359% | 5,913 |
| Net loans and leases to deposits | 51.0159% | 6,068 |
| Net loans and leases to core deposits | 51.5904% | 6,233 |
| Total domestic deposits to total assets | 87.8861% | 2,405 |
| Equity capital to assets | 10.6945% | 3,275 |
| Core capital (leverage) ratio | 10.0710% | 3,286 |
| Tier 1 risk-based capital ratio | 20.0118% | 1,711 |
| Total risk-based capital ratio | 21.1633% | 1,704 |
| Memoranda: | ||
| Average total assets | $80,360,500 | 5,462 |
| Average earning assets | $73,327,500 | 5,459 |
| Average equity | $8,540,000 | 5,419 |
| Average total loans | $36,729,500 | 5,792 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 5,807 |
| Cost of funding earning assets | 0.7649% | 5,098 |
| Net interest margin | 3.5188% | 5,078 |
| Noninterest income to average assets | 0.5545% | 3,475 |
| Noninterest expense to average assets | 2.8610% | 4,122 |
| Loan and lease loss provision to assets | 0.1894% | 4,289 |
| Net operating income to assets | 0.7251% | 3,359 |
| Return on assets (ROA) | 0.7153% | 3,593 |
| Pretax return on assets | 0.7215% | 4,248 |
| Return on Equity (ROE) | 6.8524% | 3,467 |
| Retained earnings to average equity (ytd only) | 1.8265% | 4,914 |
| Net charge-offs to loans | 0.4086% | 3,382 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 4.8618% | 2,958 |
| Efficiency ratio | 75.6507% | 2,946 |
| Assets per employee ($millions) | 3.8188% | 4,274 |
| Cash dividends to net income (ytd only)* | 73.3449% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 5,443 |
| Loan loss allowance to noncurrent loans | 100.6881% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 4,479 |
| Noncurrent loans to loans | 1.1819% | 4,394 |
| Net loans and leases to total assets | 45.4535% | 6,062 |
| Net loans and leases to deposits | 51.7469% | 6,233 |
| Net loans and leases to core deposits | 52.4037% | 6,407 |
| Total domestic deposits to total assets | 87.8382% | 2,257 |
| Equity capital to assets | 10.5594% | 3,464 |
| Core capital (leverage) ratio | 9.9511% | 3,394 |
| Tier 1 risk-based capital ratio | 20.8015% | 1,458 |
| Total risk-based capital ratio | 21.9472% | 1,452 |
| Memoranda: | ||
| Average total assets | $80,250,400 | 5,454 |
| Average earning assets | $73,604,200 | 5,414 |
| Average equity | $8,376,600 | 5,451 |
| Average total loans | $37,199,400 | 5,823 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 5,942 |
| Cost of funding earning assets | 0.7865% | 5,240 |
| Net interest margin | 3.5166% | 5,120 |
| Noninterest income to average assets | 0.5731% | 3,356 |
| Noninterest expense to average assets | 2.8472% | 4,153 |
| Loan and lease loss provision to assets | 0.2110% | 3,918 |
| Net operating income to assets | 0.7403% | 3,429 |
| Return on assets (ROA) | 0.6844% | 3,866 |
| Pretax return on assets | 0.6894% | 4,517 |
| Return on Equity (ROE) | 6.5757% | 3,730 |
| Retained earnings to average equity (ytd only) | 3.7347% | 4,093 |
| Net charge-offs to loans | 0.4757% | 2,834 |
| Credit loss provision to net charge-offs | 95.4887% | 3,584 |
| Earnings coverage of net charge-offs (x) | 4.3308% | 3,101 |
| Efficiency ratio | 74.8472% | 3,032 |
| Assets per employee ($millions) | 4.2037% | 3,430 |
| Cash dividends to net income (ytd only)* | 43.2043% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 5,603 |
| Loan loss allowance to noncurrent loans | 66.8210% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 4,868 |
| Noncurrent loans to loans | 1.7476% | 3,705 |
| Net loans and leases to total assets | 43.5878% | 6,370 |
| Net loans and leases to deposits | 49.4188% | 6,533 |
| Net loans and leases to core deposits | 50.2668% | 6,657 |
| Total domestic deposits to total assets | 88.2009% | 1,924 |
| Equity capital to assets | 10.2993% | 3,952 |
| Core capital (leverage) ratio | 9.7092% | 3,834 |
| Tier 1 risk-based capital ratio | 20.5158% | 1,558 |
| Total risk-based capital ratio | 21.6117% | 1,570 |
| Memoranda: | ||
| Average total assets | $80,264,500 | 5,497 |
| Average earning assets | $73,744,250 | 5,455 |
| Average equity | $8,353,750 | 5,487 |
| Average total loans | $37,276,750 | 5,871 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 5,794 |
| Cost of funding earning assets | 0.8213% | 5,233 |
| Net interest margin | 3.5470% | 4,932 |
| Noninterest income to average assets | 0.5823% | 3,247 |
| Noninterest expense to average assets | 2.8863% | 4,077 |
| Loan and lease loss provision to assets | 0.1266% | 4,709 |
| Net operating income to assets | 0.8222% | 2,969 |
| Return on assets (ROA) | 0.7570% | 3,386 |
| Pretax return on assets | 0.7621% | 4,172 |
| Return on Equity (ROE) | 7.2467% | 3,322 |
| Retained earnings to average equity (ytd only) | 4.5807% | 3,272 |
| Net charge-offs to loans | 0.2839% | 3,458 |
| Credit loss provision to net charge-offs | 94.3396% | 3,328 |
| Earnings coverage of net charge-offs (x) | 7.1132% | 2,269 |
| Efficiency ratio | 75.1483% | 3,157 |
| Assets per employee ($millions) | 3.9693% | 3,826 |
| Cash dividends to net income (ytd only)* | 36.7893% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 5,716 |
| Loan loss allowance to noncurrent loans | 60.3043% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 4,701 |
| Noncurrent loans to loans | 1.9240% | 3,576 |
| Net loans and leases to total assets | 46.7859% | 6,177 |
| Net loans and leases to deposits | 53.6417% | 6,335 |
| Net loans and leases to core deposits | 54.6215% | 6,520 |
| Total domestic deposits to total assets | 87.2192% | 2,614 |
| Equity capital to assets | 10.7829% | 3,191 |
| Core capital (leverage) ratio | 10.0442% | 3,210 |
| Tier 1 risk-based capital ratio | 20.7624% | 1,462 |
| Total risk-based capital ratio | 21.8854% | 1,463 |
| Memoranda: | ||
| Average total assets | $78,994,670 | 5,576 |
| Average earning assets | $72,568,330 | 5,536 |
| Average equity | $8,252,000 | 5,537 |
| Average total loans | $37,342,670 | 5,924 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 5,979 |
| Cost of funding earning assets | 0.8507% | 5,266 |
| Net interest margin | 3.4636% | 5,168 |
| Noninterest income to average assets | 0.4873% | 3,990 |
| Noninterest expense to average assets | 2.8731% | 4,173 |
| Loan and lease loss provision to assets | 0.0254% | 5,645 |
| Net operating income to assets | 0.7716% | 3,160 |
| Return on assets (ROA) | 0.7056% | 3,565 |
| Pretax return on assets | 0.7056% | 4,288 |
| Return on Equity (ROE) | 6.8659% | 3,458 |
| Retained earnings to average equity (ytd only) | 2.8155% | 4,481 |
| Net charge-offs to loans | 0.0752% | 4,186 |
| Credit loss provision to net charge-offs | 71.4286% | 3,327 |
| Earnings coverage of net charge-offs (x) | 22.4286% | 1,052 |
| Efficiency ratio | 78.2849% | 2,802 |
| Assets per employee ($millions) | 4.1684% | 3,503 |
| Cash dividends to net income (ytd only)* | 58.9928% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 5,727 |
| Loan loss allowance to noncurrent loans | 66.6159% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 0.9091% | 5,080 |
| Noncurrent loans to loans | 1.7685% | 3,867 |
| Net loans and leases to total assets | 46.2834% | 6,262 |
| Net loans and leases to deposits | 52.6009% | 6,431 |
| Net loans and leases to core deposits | 53.7533% | 6,571 |
| Total domestic deposits to total assets | 87.9897% | 2,376 |
| Equity capital to assets | 10.2842% | 3,430 |
| Core capital (leverage) ratio | 10.0483% | 3,091 |
| Tier 1 risk-based capital ratio | 20.4799% | 1,485 |
| Total risk-based capital ratio | 21.6086% | 1,489 |
| Memoranda: | ||
| Average total assets | $78,799,500 | 5,624 |
| Average earning assets | $72,411,000 | 5,590 |
| Average equity | $8,098,000 | 5,576 |
| Average total loans | $37,225,500 | 5,979 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 6,255 |
| Cost of funding earning assets | 1.1237% | 5,008 |
| Net interest margin | 3.4241% | 5,533 |
| Noninterest income to average assets | 0.5527% | 3,802 |
| Noninterest expense to average assets | 2.8787% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9068% | 2,355 |
| Return on assets (ROA) | 0.8813% | 2,601 |
| Pretax return on assets | 0.7753% | 3,710 |
| Return on Equity (ROE) | 7.9689% | 2,705 |
| Retained earnings to average equity (ytd only) | 2.5593% | 4,077 |
| Net charge-offs to loans | 0.0538% | 6,254 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 31.4211% | 705 |
| Efficiency ratio | 78.2355% | 2,665 |
| Assets per employee ($millions) | 3.9200% | 3,967 |
| Cash dividends to net income (ytd only)* | 67.8843% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 5,624 |
| Loan loss allowance to noncurrent loans | 60.3022% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 5,114 |
| Noncurrent loans to loans | 1.9487% | 3,635 |
| Net loans and leases to total assets | 47.0906% | 6,471 |
| Net loans and leases to deposits | 53.4911% | 6,647 |
| Net loans and leases to core deposits | 54.6665% | 6,774 |
| Total domestic deposits to total assets | 88.0344% | 2,228 |
| Equity capital to assets | 10.2691% | 3,423 |
| Core capital (leverage) ratio | 10.4524% | 2,606 |
| Tier 1 risk-based capital ratio | 20.1939% | 1,450 |
| Total risk-based capital ratio | 21.3201% | 1,446 |
| Memoranda: | ||
| Average total assets | $74,548,600 | 5,751 |
| Average earning assets | $68,076,800 | 5,731 |
| Average equity | $8,244,600 | 5,643 |
| Average total loans | $35,348,600 | 6,144 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 6,386 |
| Cost of funding earning assets | 1.1787% | 4,987 |
| Net interest margin | 3.4029% | 5,674 |
| Noninterest income to average assets | 0.5472% | 3,812 |
| Noninterest expense to average assets | 2.8030% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9947% | 2,249 |
| Return on assets (ROA) | 0.9621% | 2,490 |
| Pretax return on assets | 0.8135% | 3,853 |
| Return on Equity (ROE) | 8.5371% | 2,674 |
| Retained earnings to average equity (ytd only) | 5.9164% | 2,407 |
| Net charge-offs to loans | 0.0497% | 6,026 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 35.9290% | 758 |
| Efficiency ratio | 76.8123% | 2,794 |
| Assets per employee ($millions) | 3.9131% | 4,007 |
| Cash dividends to net income (ytd only)* | 30.6972% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 5,234 |
| Loan loss allowance to noncurrent loans | 72.4756% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 5,423 |
| Noncurrent loans to loans | 1.7242% | 4,061 |
| Net loans and leases to total assets | 44.9343% | 6,778 |
| Net loans and leases to deposits | 51.5049% | 6,910 |
| Net loans and leases to core deposits | 53.1554% | 7,002 |
| Total domestic deposits to total assets | 87.2427% | 2,401 |
| Equity capital to assets | 10.9071% | 3,044 |
| Core capital (leverage) ratio | 10.5411% | 2,645 |
| Tier 1 risk-based capital ratio | 19.4430% | 1,655 |
| Total risk-based capital ratio | 20.5207% | 1,662 |
| Memoranda: | ||
| Average total assets | $73,585,750 | 5,839 |
| Average earning assets | $67,078,000 | 5,826 |
| Average equity | $8,293,000 | 5,691 |
| Average total loans | $34,846,250 | 6,245 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 6,294 |
| Cost of funding earning assets | 1.2416% | 4,887 |
| Net interest margin | 3.4137% | 5,582 |
| Noninterest income to average assets | 0.5609% | 3,623 |
| Noninterest expense to average assets | 2.8489% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0468% | 2,024 |
| Return on assets (ROA) | 1.0080% | 2,239 |
| Pretax return on assets | 0.7803% | 3,951 |
| Return on Equity (ROE) | 8.8407% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.8407% | 1,162 |
| Net charge-offs to loans | 0.0289% | 5,931 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 521 |
| Efficiency ratio | 77.6684% | 2,779 |
| Assets per employee ($millions) | 3.8826% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,880 |
| Loan loss allowance to noncurrent loans | 81.1828% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.8106% | 5,500 |
| Noncurrent loans to loans | 1.6086% | 4,301 |
| Net loans and leases to total assets | 46.4078% | 6,755 |
| Net loans and leases to deposits | 53.2327% | 6,911 |
| Net loans and leases to core deposits | 54.8023% | 7,003 |
| Total domestic deposits to total assets | 87.1791% | 2,443 |
| Equity capital to assets | 11.4735% | 2,468 |
| Core capital (leverage) ratio | 10.9392% | 2,283 |
| Tier 1 risk-based capital ratio | 20.3831% | 1,453 |
| Total risk-based capital ratio | 21.5338% | 1,436 |
| Memoranda: | ||
| Average total assets | $72,027,330 | 5,920 |
| Average earning assets | $65,558,670 | 5,907 |
| Average equity | $8,212,000 | 5,727 |
| Average total loans | $34,591,330 | 6,306 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 6,268 |
| Cost of funding earning assets | 1.2870% | 4,890 |
| Net interest margin | 3.4054% | 5,560 |
| Noninterest income to average assets | 0.5565% | 3,595 |
| Noninterest expense to average assets | 2.9007% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2367% | 1,437 |
| Return on assets (ROA) | 1.1974% | 1,620 |
| Pretax return on assets | 0.7252% | 4,148 |
| Return on Equity (ROE) | 10.5367% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.5367% | 1,027 |
| Net charge-offs to loans | -0.0116% | 6,927 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1411% | 2,694 |
| Assets per employee ($millions) | 3.7577% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 4,794 |
| Loan loss allowance to noncurrent loans | 170.0000% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 6,385 |
| Noncurrent loans to loans | 0.7799% | 5,768 |
| Net loans and leases to total assets | 47.8451% | 6,693 |
| Net loans and leases to deposits | 54.8411% | 6,860 |
| Net loans and leases to core deposits | 56.5366% | 6,963 |
| Total domestic deposits to total assets | 87.2432% | 2,510 |
| Equity capital to assets | 11.4795% | 2,381 |
| Core capital (leverage) ratio | 10.9319% | 2,272 |
| Tier 1 risk-based capital ratio | 20.5985% | 1,411 |
| Total risk-based capital ratio | 21.7993% | 1,389 |
| Memoranda: | ||
| Average total assets | $71,156,000 | 6,019 |
| Average earning assets | $64,956,500 | 5,999 |
| Average equity | $8,086,000 | 5,815 |
| Average total loans | $34,543,000 | 6,395 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1757% | 5,758 |
| Cost of funding earning assets | 1.4676% | 5,647 |
| Net interest margin | 3.7080% | 4,100 |
| Noninterest income to average assets | 0.5795% | 3,792 |
| Noninterest expense to average assets | 3.1660% | 3,492 |
| Loan and lease loss provision to assets | 0.0508% | 7,058 |
| Net operating income to assets | 0.5920% | 3,362 |
| Return on assets (ROA) | 0.6826% | 3,064 |
| Pretax return on assets | 0.8554% | 3,069 |
| Return on Equity (ROE) | 5.7422% | 3,313 |
| Retained earnings to average equity (ytd only) | -1.1484% | 5,299 |
| Net charge-offs to loans | 0.0387% | 6,729 |
| Credit loss provision to net charge-offs | 269.2308% | 1,292 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 590 |
| Efficiency ratio | 79.9707% | 2,896 |
| Assets per employee ($millions) | 3.7324% | 4,449 |
| Cash dividends to net income (ytd only)* | 120.0000% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 4,596 |
| Loan loss allowance to noncurrent loans | 97.6546% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 5,675 |
| Noncurrent loans to loans | 1.3607% | 4,651 |
| Net loans and leases to total assets | 47.9574% | 6,816 |
| Net loans and leases to deposits | 54.8435% | 6,995 |
| Net loans and leases to core deposits | 62.8644% | 7,159 |
| Total domestic deposits to total assets | 87.4441% | 2,246 |
| Equity capital to assets | 11.2473% | 2,499 |
| Core capital (leverage) ratio | 10.4846% | 2,628 |
| Tier 1 risk-based capital ratio | 20.7948% | 1,325 |
| Total risk-based capital ratio | 22.0461% | 1,294 |
| Memoranda: | ||
| Average total assets | $68,856,400 | 6,040 |
| Average earning assets | $62,755,400 | 6,042 |
| Average equity | $8,185,000 | 5,869 |
| Average total loans | $33,582,400 | 6,424 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 5,710 |
| Cost of funding earning assets | 1.4945% | 5,848 |
| Net interest margin | 3.7490% | 3,869 |
| Noninterest income to average assets | 0.5658% | 3,965 |
| Noninterest expense to average assets | 3.0630% | 3,793 |
| Loan and lease loss provision to assets | 0.0683% | 6,680 |
| Net operating income to assets | 0.7248% | 3,122 |
| Return on assets (ROA) | 0.7082% | 3,241 |
| Pretax return on assets | 0.8311% | 3,442 |
| Return on Equity (ROE) | 5.8756% | 3,577 |
| Retained earnings to average equity (ytd only) | 3.3182% | 3,450 |
| Net charge-offs to loans | 0.0440% | 6,292 |
| Credit loss provision to net charge-offs | 318.1818% | 1,294 |
| Earnings coverage of net charge-offs (x) | 42.8071% | 716 |
| Efficiency ratio | 76.9231% | 3,333 |
| Assets per employee ($millions) | 3.6741% | 4,489 |
| Cash dividends to net income (ytd only)* | 43.5257% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,125 |
| Loan loss allowance to noncurrent loans | 62.3816% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.0941% | 4,891 |
| Noncurrent loans to loans | 2.1914% | 3,387 |
| Net loans and leases to total assets | 45.2655% | 7,155 |
| Net loans and leases to deposits | 51.9808% | 7,307 |
| Net loans and leases to core deposits | 59.1977% | 7,429 |
| Total domestic deposits to total assets | 87.0812% | 2,140 |
| Equity capital to assets | 11.5402% | 2,549 |
| Core capital (leverage) ratio | 10.9619% | 2,429 |
| Tier 1 risk-based capital ratio | 21.4328% | 1,299 |
| Total risk-based capital ratio | 22.6739% | 1,276 |
| Memoranda: | ||
| Average total assets | $68,341,750 | 6,093 |
| Average earning assets | $62,272,750 | 6,096 |
| Average equity | $8,237,250 | 5,905 |
| Average total loans | $33,361,250 | 6,491 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3799% | 5,247 |
| Cost of funding earning assets | 1.5588% | 5,892 |
| Net interest margin | 3.8211% | 3,453 |
| Noninterest income to average assets | 0.5763% | 3,860 |
| Noninterest expense to average assets | 3.1458% | 3,516 |
| Loan and lease loss provision to assets | 0.0750% | 6,441 |
| Net operating income to assets | 0.7341% | 3,119 |
| Return on assets (ROA) | 0.7234% | 3,259 |
| Pretax return on assets | 0.8165% | 3,615 |
| Return on Equity (ROE) | 5.9095% | 3,694 |
| Retained earnings to average equity (ytd only) | 3.4574% | 3,391 |
| Net charge-offs to loans | 0.0301% | 6,042 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 60.2000% | 592 |
| Efficiency ratio | 77.6872% | 3,393 |
| Assets per employee ($millions) | 3.4402% | 4,974 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 3,902 |
| Loan loss allowance to noncurrent loans | 61.2081% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.1438% | 4,660 |
| Noncurrent loans to loans | 2.2333% | 3,212 |
| Net loans and leases to total assets | 47.8206% | 7,049 |
| Net loans and leases to deposits | 55.2167% | 7,205 |
| Net loans and leases to core deposits | 63.2159% | 7,328 |
| Total domestic deposits to total assets | 86.6052% | 2,450 |
| Equity capital to assets | 11.8963% | 2,263 |
| Core capital (leverage) ratio | 11.3541% | 2,166 |
| Tier 1 risk-based capital ratio | 22.3303% | 1,207 |
| Total risk-based capital ratio | 23.5803% | 1,175 |
| Memoranda: | ||
| Average total assets | $66,628,330 | 6,202 |
| Average earning assets | $60,559,000 | 6,197 |
| Average equity | $8,156,330 | 5,966 |
| Average total loans | $33,240,670 | 6,542 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 5,515 |
| Cost of funding earning assets | 1.5828% | 6,104 |
| Net interest margin | 3.8000% | 3,440 |
| Noninterest income to average assets | 0.5737% | 3,734 |
| Noninterest expense to average assets | 3.1309% | 3,266 |
| Loan and lease loss provision to assets | 0.0610% | 6,194 |
| Net operating income to assets | 0.8483% | 2,913 |
| Return on assets (ROA) | 0.8422% | 3,085 |
| Pretax return on assets | 0.8483% | 3,898 |
| Return on Equity (ROE) | 6.7797% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.7797% | 2,299 |
| Net charge-offs to loans | 0.0241% | 5,212 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 548 |
| Efficiency ratio | 77.3756% | 3,273 |
| Assets per employee ($millions) | 3.3693% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 3,870 |
| Loan loss allowance to noncurrent loans | 121.6438% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 5,852 |
| Noncurrent loans to loans | 1.0996% | 4,787 |
| Net loans and leases to total assets | 48.6006% | 6,977 |
| Net loans and leases to deposits | 56.1701% | 7,151 |
| Net loans and leases to core deposits | 64.1063% | 7,314 |
| Total domestic deposits to total assets | 86.5239% | 2,433 |
| Equity capital to assets | 12.1895% | 2,146 |
| Core capital (leverage) ratio | 11.6109% | 2,086 |
| Tier 1 risk-based capital ratio | 22.1465% | 1,287 |
| Total risk-based capital ratio | 23.3895% | 1,254 |
| Memoranda: | ||
| Average total assets | $65,541,000 | 6,273 |
| Average earning assets | $59,895,000 | 6,260 |
| Average equity | $8,142,000 | 6,003 |
| Average total loans | $33,182,000 | 6,579 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1054% | 5,014 |
| Cost of funding earning assets | 1.9855% | 6,455 |
| Net interest margin | 4.1199% | 2,627 |
| Noninterest income to average assets | 0.6376% | 3,573 |
| Noninterest expense to average assets | 3.2007% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9623% | 2,731 |
| Return on assets (ROA) | 0.9913% | 2,472 |
| Pretax return on assets | 1.2006% | 2,637 |
| Return on Equity (ROE) | 7.7901% | 3,155 |
| Retained earnings to average equity (ytd only) | 0.5360% | 4,916 |
| Net charge-offs to loans | 0.0121% | 6,748 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 183.7500% | 255 |
| Efficiency ratio | 73.3019% | 3,690 |
| Assets per employee ($millions) | 3.0331% | 5,977 |
| Cash dividends to net income (ytd only)* | 93.1200% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 3,682 |
| Loan loss allowance to noncurrent loans | 103.3175% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 5,233 |
| Noncurrent loans to loans | 1.2722% | 3,964 |
| Net loans and leases to total assets | 51.3910% | 6,904 |
| Net loans and leases to deposits | 60.2536% | 7,064 |
| Net loans and leases to core deposits | 68.1064% | 7,281 |
| Total domestic deposits to total assets | 85.2911% | 2,708 |
| Equity capital to assets | 12.6696% | 1,935 |
| Core capital (leverage) ratio | 12.2727% | 1,852 |
| Tier 1 risk-based capital ratio | 22.2602% | 1,283 |
| Total risk-based capital ratio | 23.5117% | 1,251 |
| Memoranda: | ||
| Average total assets | $63,049,200 | 6,277 |
| Average earning assets | $57,064,400 | 6,296 |
| Average equity | $8,023,000 | 6,079 |
| Average total loans | $32,953,800 | 6,553 |