Home > The Four County Bank > Performance and Condition Ratios
The Four County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9075% | 720 |
| Cost of funding earning assets | 1.6177% | 1,643 |
| Net interest margin | 4.2898% | 828 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.4999% | 2,296 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.8259% | 587 |
| Return on assets (ROA) | 1.8259% | 566 |
| Pretax return on assets | 1.8259% | 856 |
| Return on Equity (ROE) | 16.8900% | 966 |
| Retained earnings to average equity (ytd only) | 2.7001% | 3,379 |
| Net charge-offs to loans | -0.0353% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.8756% | 3,510 |
| Assets per employee ($millions) | 7.9305% | 1,473 |
| Cash dividends to net income (ytd only)* | 84.0100% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1516% | 302 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,219 |
| Noncurrent loans to loans | 0.0768% | 3,172 |
| Net loans and leases to total assets | 70.0600% | 1,803 |
| Net loans and leases to deposits | 79.8881% | 2,120 |
| Net loans and leases to core deposits | 93.9802% | 1,779 |
| Total domestic deposits to total assets | 87.7000% | 1,450 |
| Equity capital to assets | 11.8725% | 1,177 |
| Core capital (leverage) ratio | 13.4069% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $87,682,400 | 3,939 |
| Average earning assets | $85,551,800 | 3,878 |
| Average equity | $9,481,000 | 3,774 |
| Average total loans | $62,332,000 | 3,675 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7541% | 727 |
| Cost of funding earning assets | 1.5109% | 1,570 |
| Net interest margin | 4.2433% | 871 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.4769% | 2,301 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.8118% | 655 |
| Return on assets (ROA) | 1.8118% | 647 |
| Pretax return on assets | 1.8118% | 998 |
| Return on Equity (ROE) | 17.1700% | 1,050 |
| Retained earnings to average equity (ytd only) | -2.1881% | 4,330 |
| Net charge-offs to loans | -0.0599% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.9712% | 3,403 |
| Assets per employee ($millions) | 8.0796% | 1,305 |
| Cash dividends to net income (ytd only)* | 112.7410% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1151% | 333 |
| Loan loss allowance to noncurrent loans | 850.6494% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 2,427 |
| Noncurrent loans to loans | 0.2486% | 2,349 |
| Net loans and leases to total assets | 68.2100% | 2,025 |
| Net loans and leases to deposits | 76.4862% | 2,376 |
| Net loans and leases to core deposits | 90.6679% | 1,881 |
| Total domestic deposits to total assets | 89.1800% | 1,189 |
| Equity capital to assets | 10.3324% | 1,626 |
| Core capital (leverage) ratio | 12.8953% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $87,794,250 | 3,951 |
| Average earning assets | $85,686,750 | 3,889 |
| Average equity | $9,262,000 | 3,792 |
| Average total loans | $62,299,000 | 3,682 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5771% | 753 |
| Cost of funding earning assets | 1.3409% | 1,607 |
| Net interest margin | 4.2362% | 878 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.4910% | 2,230 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.8117% | 644 |
| Return on assets (ROA) | 1.8117% | 644 |
| Pretax return on assets | 1.8117% | 990 |
| Return on Equity (ROE) | 17.0500% | 1,094 |
| Retained earnings to average equity (ytd only) | -11.9074% | 4,536 |
| Net charge-offs to loans | -0.1282% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.3956% | 3,369 |
| Assets per employee ($millions) | 8.0996% | 1,272 |
| Cash dividends to net income (ytd only)* | 169.8232% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0827% | 367 |
| Loan loss allowance to noncurrent loans | 854.6667% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 2,379 |
| Noncurrent loans to loans | 0.2437% | 2,283 |
| Net loans and leases to total assets | 67.6500% | 1,995 |
| Net loans and leases to deposits | 75.8392% | 2,326 |
| Net loans and leases to core deposits | 90.9535% | 1,740 |
| Total domestic deposits to total assets | 89.2000% | 1,175 |
| Equity capital to assets | 10.3854% | 1,640 |
| Core capital (leverage) ratio | 12.6076% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $87,433,667 | 3,973 |
| Average earning assets | $85,312,667 | 3,909 |
| Average equity | $9,288,333 | 3,816 |
| Average total loans | $62,420,000 | 3,684 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4857% | 635 |
| Cost of funding earning assets | 1.0280% | 1,957 |
| Net interest margin | 4.4577% | 621 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.5357% | 2,145 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.9722% | 512 |
| Return on assets (ROA) | 1.9722% | 505 |
| Pretax return on assets | 1.9722% | 818 |
| Return on Equity (ROE) | 18.3500% | 979 |
| Retained earnings to average equity (ytd only) | -39.4584% | 4,657 |
| Net charge-offs to loans | 0.0509% | 853 |
| Credit loss provision to net charge-offs | 250.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 55.8750% | 1,058 |
| Efficiency ratio | 55.1205% | 3,494 |
| Assets per employee ($millions) | 6.3028% | 2,499 |
| Cash dividends to net income (ytd only)* | 314.9883% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 498 |
| Loan loss allowance to noncurrent loans | 766.8790% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 2,266 |
| Noncurrent loans to loans | 0.2521% | 2,245 |
| Net loans and leases to total assets | 69.2300% | 1,702 |
| Net loans and leases to deposits | 77.3911% | 2,006 |
| Net loans and leases to core deposits | 89.2754% | 1,658 |
| Total domestic deposits to total assets | 89.4500% | 1,357 |
| Equity capital to assets | 10.2052% | 1,719 |
| Core capital (leverage) ratio | 12.3421% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $86,602,500 | 4,033 |
| Average earning assets | $84,438,000 | 3,964 |
| Average equity | $9,306,000 | 3,860 |
| Average total loans | $62,852,000 | 3,718 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 532 |
| Cost of funding earning assets | 0.4608% | 1,645 |
| Net interest margin | 4.2164% | 509 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.5816% | 1,879 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.7393% | 498 |
| Return on assets (ROA) | 1.7417% | 472 |
| Pretax return on assets | 1.7417% | 836 |
| Return on Equity (ROE) | 15.2400% | 1,202 |
| Retained earnings to average equity (ytd only) | 2.7515% | 3,785 |
| Net charge-offs to loans | 0.0369% | 1,356 |
| Credit loss provision to net charge-offs | 272.7273% | 957 |
| Earnings coverage of net charge-offs (x) | 70.5909% | 1,153 |
| Efficiency ratio | 58.7954% | 3,219 |
| Assets per employee ($millions) | 5.6644% | 3,071 |
| Cash dividends to net income (ytd only)* | 81.9398% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9506% | 476 |
| Loan loss allowance to noncurrent loans | 889.9281% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 2,394 |
| Noncurrent loans to loans | 0.2192% | 2,395 |
| Net loans and leases to total assets | 73.1800% | 1,292 |
| Net loans and leases to deposits | 82.7388% | 1,560 |
| Net loans and leases to core deposits | 92.5889% | 1,361 |
| Total domestic deposits to total assets | 88.4500% | 1,914 |
| Equity capital to assets | 11.3069% | 1,141 |
| Core capital (leverage) ratio | 13.4808% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $85,837,800 | 4,061 |
| Average earning assets | $83,767,800 | 3,997 |
| Average equity | $9,812,800 | 3,894 |
| Average total loans | $59,686,200 | 3,737 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 510 |
| Cost of funding earning assets | 0.4269% | 1,117 |
| Net interest margin | 4.0560% | 565 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.5192% | 1,958 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.6423% | 601 |
| Return on assets (ROA) | 1.6454% | 583 |
| Pretax return on assets | 1.6454% | 1,012 |
| Return on Equity (ROE) | 14.3500% | 1,339 |
| Retained earnings to average equity (ytd only) | -2.2032% | 4,497 |
| Net charge-offs to loans | -0.0318% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.5386% | 3,173 |
| Assets per employee ($millions) | 5.7387% | 2,997 |
| Cash dividends to net income (ytd only)* | 115.3484% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0836% | 425 |
| Loan loss allowance to noncurrent loans | 722.9885% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 2,253 |
| Noncurrent loans to loans | 0.2882% | 2,211 |
| Net loans and leases to total assets | 68.6800% | 1,596 |
| Net loans and leases to deposits | 76.9118% | 1,803 |
| Net loans and leases to core deposits | 86.8694% | 1,477 |
| Total domestic deposits to total assets | 89.3000% | 1,958 |
| Equity capital to assets | 10.4566% | 1,393 |
| Core capital (leverage) ratio | 12.8068% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $86,055,750 | 4,089 |
| Average earning assets | $84,020,750 | 4,023 |
| Average equity | $9,864,250 | 3,934 |
| Average total loans | $58,753,750 | 3,766 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 523 |
| Cost of funding earning assets | 0.4166% | 828 |
| Net interest margin | 3.8876% | 624 |
| Noninterest income to average assets | 0.2557% | 3,641 |
| Noninterest expense to average assets | 2.4916% | 1,958 |
| Loan and lease loss provision to assets | 0.0697% | 1,367 |
| Net operating income to assets | 1.4899% | 734 |
| Return on assets (ROA) | 1.4945% | 700 |
| Pretax return on assets | 1.4945% | 1,181 |
| Return on Equity (ROE) | 12.6675% | 1,472 |
| Retained earnings to average equity (ytd only) | -11.4657% | 4,683 |
| Net charge-offs to loans | -0.0069% | 3,449 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5032% | 3,111 |
| Assets per employee ($millions) | 6.7028% | 2,170 |
| Cash dividends to net income (ytd only)* | 190.5132% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0768% | 469 |
| Loan loss allowance to noncurrent loans | 774.2138% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 2,444 |
| Noncurrent loans to loans | 0.2682% | 2,404 |
| Net loans and leases to total assets | 66.6120% | 1,620 |
| Net loans and leases to deposits | 74.7823% | 1,779 |
| Net loans and leases to core deposits | 84.0472% | 1,449 |
| Total domestic deposits to total assets | 89.0746% | 2,149 |
| Equity capital to assets | 10.7545% | 1,336 |
| Core capital (leverage) ratio | 12.3722% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,047,667 | 4,129 |
| Average earning assets | $84,011,000 | 4,075 |
| Average equity | $10,152,000 | 3,965 |
| Average total loans | $58,212,667 | 3,818 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 537 |
| Cost of funding earning assets | 0.4171% | 787 |
| Net interest margin | 3.7684% | 667 |
| Noninterest income to average assets | 0.2526% | 3,632 |
| Noninterest expense to average assets | 2.3718% | 2,262 |
| Loan and lease loss provision to assets | 0.0702% | 1,170 |
| Net operating income to assets | 1.4877% | 651 |
| Return on assets (ROA) | 1.4456% | 716 |
| Pretax return on assets | 1.4456% | 1,141 |
| Return on Equity (ROE) | 11.7240% | 1,399 |
| Retained earnings to average equity (ytd only) | -34.7546% | 4,758 |
| Net charge-offs to loans | 0.0416% | 864 |
| Credit loss provision to net charge-offs | 250.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 883 |
| Efficiency ratio | 60.3571% | 3,445 |
| Assets per employee ($millions) | 5.7357% | 3,078 |
| Cash dividends to net income (ytd only)* | 396.4401% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0894% | 527 |
| Loan loss allowance to noncurrent loans | 1,098.1818% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 2,904 |
| Noncurrent loans to loans | 0.1903% | 2,866 |
| Net loans and leases to total assets | 65.7969% | 1,428 |
| Net loans and leases to deposits | 74.2686% | 1,580 |
| Net loans and leases to core deposits | 83.6533% | 1,261 |
| Total domestic deposits to total assets | 88.5931% | 2,258 |
| Equity capital to assets | 11.2151% | 1,226 |
| Core capital (leverage) ratio | 12.1228% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,503,500 | 4,155 |
| Average earning assets | $83,431,000 | 4,095 |
| Average equity | $10,542,500 | 4,001 |
| Average total loans | $57,682,000 | 3,834 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 639 |
| Cost of funding earning assets | 0.4714% | 1,054 |
| Net interest margin | 3.9859% | 734 |
| Noninterest income to average assets | 0.2956% | 3,629 |
| Noninterest expense to average assets | 2.4722% | 2,266 |
| Loan and lease loss provision to assets | 0.0547% | 1,956 |
| Net operating income to assets | 1.6571% | 697 |
| Return on assets (ROA) | 1.6571% | 731 |
| Pretax return on assets | 1.6571% | 1,254 |
| Return on Equity (ROE) | 12.2700% | 1,724 |
| Retained earnings to average equity (ytd only) | 1.8198% | 4,037 |
| Net charge-offs to loans | 0.1134% | 787 |
| Credit loss provision to net charge-offs | 70.3125% | 2,016 |
| Earnings coverage of net charge-offs (x) | 21.9844% | 1,807 |
| Efficiency ratio | 59.0869% | 3,286 |
| Assets per employee ($millions) | 6.5362% | 2,303 |
| Cash dividends to net income (ytd only)* | 85.1689% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0835% | 535 |
| Loan loss allowance to noncurrent loans | 778.5714% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 2,670 |
| Noncurrent loans to loans | 0.2676% | 2,647 |
| Net loans and leases to total assets | 66.3144% | 1,436 |
| Net loans and leases to deposits | 76.8092% | 1,507 |
| Net loans and leases to core deposits | 86.9380% | 1,139 |
| Total domestic deposits to total assets | 86.3365% | 2,787 |
| Equity capital to assets | 13.4587% | 776 |
| Core capital (leverage) ratio | 13.1769% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,193,000 | 4,183 |
| Average earning assets | $80,183,400 | 4,131 |
| Average equity | $11,100,200 | 4,022 |
| Average total loans | $56,417,800 | 3,888 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 674 |
| Cost of funding earning assets | 0.4830% | 1,147 |
| Net interest margin | 4.0197% | 768 |
| Noninterest income to average assets | 0.2945% | 3,684 |
| Noninterest expense to average assets | 2.4376% | 2,317 |
| Loan and lease loss provision to assets | 0.0577% | 1,839 |
| Net operating income to assets | 1.7211% | 791 |
| Return on assets (ROA) | 1.7211% | 824 |
| Pretax return on assets | 1.7211% | 1,356 |
| Return on Equity (ROE) | 12.7324% | 1,788 |
| Retained earnings to average equity (ytd only) | -1.3071% | 4,677 |
| Net charge-offs to loans | 0.1615% | 521 |
| Credit loss provision to net charge-offs | 51.4706% | 1,851 |
| Earnings coverage of net charge-offs (x) | 15.9853% | 1,852 |
| Efficiency ratio | 57.8192% | 3,293 |
| Assets per employee ($millions) | 6.4522% | 2,296 |
| Cash dividends to net income (ytd only)* | 110.2662% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0890% | 545 |
| Loan loss allowance to noncurrent loans | 677.1429% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 2,736 |
| Noncurrent loans to loans | 0.3085% | 2,688 |
| Net loans and leases to total assets | 66.2152% | 1,515 |
| Net loans and leases to deposits | 76.5995% | 1,614 |
| Net loans and leases to core deposits | 86.6729% | 1,242 |
| Total domestic deposits to total assets | 86.4434% | 2,585 |
| Equity capital to assets | 13.3003% | 902 |
| Core capital (leverage) ratio | 13.2109% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,498,500 | 4,243 |
| Average earning assets | $79,506,500 | 4,192 |
| Average equity | $11,016,250 | 4,086 |
| Average total loans | $56,135,500 | 3,944 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 725 |
| Cost of funding earning assets | 0.5031% | 1,181 |
| Net interest margin | 3.9967% | 825 |
| Noninterest income to average assets | 0.3023% | 3,623 |
| Noninterest expense to average assets | 2.4385% | 2,345 |
| Loan and lease loss provision to assets | 0.0372% | 2,248 |
| Net operating income to assets | 1.7248% | 834 |
| Return on assets (ROA) | 1.7248% | 881 |
| Pretax return on assets | 1.7248% | 1,421 |
| Return on Equity (ROE) | 12.6895% | 1,826 |
| Retained earnings to average equity (ytd only) | -8.4597% | 4,849 |
| Net charge-offs to loans | 0.2789% | 312 |
| Credit loss provision to net charge-offs | 19.2308% | 1,737 |
| Earnings coverage of net charge-offs (x) | 9.1154% | 1,849 |
| Efficiency ratio | 58.0531% | 3,279 |
| Assets per employee ($millions) | 6.9040% | 1,875 |
| Cash dividends to net income (ytd only)* | 166.6667% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0490% | 555 |
| Loan loss allowance to noncurrent loans | 563.4146% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 2,692 |
| Noncurrent loans to loans | 0.3637% | 2,604 |
| Net loans and leases to total assets | 66.6461% | 1,616 |
| Net loans and leases to deposits | 76.9193% | 1,737 |
| Net loans and leases to core deposits | 87.1421% | 1,336 |
| Total domestic deposits to total assets | 86.6442% | 2,492 |
| Equity capital to assets | 13.1615% | 901 |
| Core capital (leverage) ratio | 12.8798% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,705,333 | 4,282 |
| Average earning assets | $78,714,000 | 4,222 |
| Average equity | $10,969,667 | 4,100 |
| Average total loans | $55,939,000 | 3,973 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 765 |
| Cost of funding earning assets | 0.5309% | 1,198 |
| Net interest margin | 3.9794% | 869 |
| Noninterest income to average assets | 0.3315% | 3,442 |
| Noninterest expense to average assets | 2.3106% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8987% | 667 |
| Return on assets (ROA) | 1.8987% | 716 |
| Pretax return on assets | 1.8987% | 1,119 |
| Return on Equity (ROE) | 13.7423% | 1,481 |
| Retained earnings to average equity (ytd only) | -28.4299% | 4,943 |
| Net charge-offs to loans | 0.3087% | 274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 8.7907% | 1,560 |
| Efficiency ratio | 54.8926% | 3,687 |
| Assets per employee ($millions) | 8.0458% | 1,182 |
| Cash dividends to net income (ytd only)* | 306.8783% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1028% | 499 |
| Loan loss allowance to noncurrent loans | 470.0000% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 2,585 |
| Noncurrent loans to loans | 0.4474% | 2,517 |
| Net loans and leases to total assets | 67.9883% | 1,534 |
| Net loans and leases to deposits | 78.3068% | 1,689 |
| Net loans and leases to core deposits | 88.2447% | 1,349 |
| Total domestic deposits to total assets | 86.8229% | 2,380 |
| Equity capital to assets | 13.0292% | 906 |
| Core capital (leverage) ratio | 12.9978% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,634,000 | 4,312 |
| Average earning assets | $77,600,000 | 4,255 |
| Average equity | $11,002,500 | 4,111 |
| Average total loans | $55,723,500 | 3,998 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 467 |
| Cost of funding earning assets | 0.8361% | 1,070 |
| Net interest margin | 4.1817% | 663 |
| Noninterest income to average assets | 0.2763% | 3,825 |
| Noninterest expense to average assets | 2.5925% | 2,575 |
| Loan and lease loss provision to assets | 0.0529% | 3,716 |
| Net operating income to assets | 1.6843% | 523 |
| Return on assets (ROA) | 1.7041% | 534 |
| Pretax return on assets | 1.7041% | 851 |
| Return on Equity (ROE) | 11.7442% | 1,396 |
| Retained earnings to average equity (ytd only) | 3.6900% | 2,985 |
| Net charge-offs to loans | 0.0475% | 2,118 |
| Credit loss provision to net charge-offs | 153.8462% | 2,397 |
| Earnings coverage of net charge-offs (x) | 50.5385% | 1,190 |
| Efficiency ratio | 59.8779% | 3,479 |
| Assets per employee ($millions) | 7.1645% | 1,466 |
| Cash dividends to net income (ytd only)* | 68.5803% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1918% | 416 |
| Loan loss allowance to noncurrent loans | 770.8861% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 3,284 |
| Noncurrent loans to loans | 0.2843% | 3,183 |
| Net loans and leases to total assets | 68.9659% | 1,694 |
| Net loans and leases to deposits | 80.9303% | 1,771 |
| Net loans and leases to core deposits | 90.8760% | 1,465 |
| Total domestic deposits to total assets | 85.2163% | 2,677 |
| Equity capital to assets | 14.6200% | 653 |
| Core capital (leverage) ratio | 14.0871% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,640,600 | 4,300 |
| Average earning assets | $73,319,000 | 4,248 |
| Average equity | $10,975,600 | 4,082 |
| Average total loans | $54,759,200 | 4,000 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 488 |
| Cost of funding earning assets | 0.8955% | 1,083 |
| Net interest margin | 4.2185% | 703 |
| Noninterest income to average assets | 0.2850% | 3,780 |
| Noninterest expense to average assets | 2.6203% | 2,481 |
| Loan and lease loss provision to assets | 0.0708% | 3,439 |
| Net operating income to assets | 1.6798% | 600 |
| Return on assets (ROA) | 1.7065% | 634 |
| Pretax return on assets | 1.7065% | 964 |
| Return on Equity (ROE) | 11.7843% | 1,433 |
| Retained earnings to average equity (ytd only) | 0.9103% | 4,282 |
| Net charge-offs to loans | 0.0660% | 1,669 |
| Credit loss provision to net charge-offs | 148.1481% | 2,337 |
| Earnings coverage of net charge-offs (x) | 36.4074% | 1,431 |
| Efficiency ratio | 59.9430% | 3,399 |
| Assets per employee ($millions) | 7.0601% | 1,458 |
| Cash dividends to net income (ytd only)* | 92.2756% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2247% | 338 |
| Loan loss allowance to noncurrent loans | 750.6173% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 2,230 |
| Noncurrent loans to loans | 0.2964% | 3,216 |
| Net loans and leases to total assets | 68.8170% | 2,136 |
| Net loans and leases to deposits | 80.6751% | 2,242 |
| Net loans and leases to core deposits | 90.7214% | 1,908 |
| Total domestic deposits to total assets | 85.3015% | 2,317 |
| Equity capital to assets | 14.3792% | 766 |
| Core capital (leverage) ratio | 13.9251% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,848,250 | 4,316 |
| Average earning assets | $72,505,000 | 4,264 |
| Average equity | $10,839,000 | 4,106 |
| Average total loans | $54,556,500 | 4,034 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 527 |
| Cost of funding earning assets | 0.9390% | 1,193 |
| Net interest margin | 4.3011% | 755 |
| Noninterest income to average assets | 0.3897% | 3,144 |
| Noninterest expense to average assets | 2.7709% | 2,162 |
| Loan and lease loss provision to assets | 0.0812% | 3,267 |
| Net operating income to assets | 1.7021% | 620 |
| Return on assets (ROA) | 1.7264% | 647 |
| Pretax return on assets | 1.7264% | 940 |
| Return on Equity (ROE) | 11.8923% | 1,356 |
| Retained earnings to average equity (ytd only) | -4.5854% | 4,755 |
| Net charge-offs to loans | 0.0917% | 1,340 |
| Credit loss provision to net charge-offs | 120.0000% | 2,280 |
| Earnings coverage of net charge-offs (x) | 26.3600% | 1,526 |
| Efficiency ratio | 60.8437% | 3,298 |
| Assets per employee ($millions) | 6.9456% | 1,466 |
| Cash dividends to net income (ytd only)* | 138.5580% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2491% | 311 |
| Loan loss allowance to noncurrent loans | 675.4190% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 2,131 |
| Noncurrent loans to loans | 0.3330% | 3,198 |
| Net loans and leases to total assets | 68.7770% | 2,216 |
| Net loans and leases to deposits | 80.4270% | 2,379 |
| Net loans and leases to core deposits | 90.5670% | 2,023 |
| Total domestic deposits to total assets | 85.5148% | 2,197 |
| Equity capital to assets | 14.1999% | 809 |
| Core capital (leverage) ratio | 14.0186% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,910,667 | 4,335 |
| Average earning assets | $71,562,333 | 4,280 |
| Average equity | $10,729,667 | 4,130 |
| Average total loans | $54,522,000 | 4,044 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 414 |
| Cost of funding earning assets | 0.9855% | 1,483 |
| Net interest margin | 4.4660% | 548 |
| Noninterest income to average assets | 0.4734% | 2,688 |
| Noninterest expense to average assets | 2.8900% | 2,152 |
| Loan and lease loss provision to assets | 0.0826% | 2,663 |
| Net operating income to assets | 1.8166% | 395 |
| Return on assets (ROA) | 1.8551% | 406 |
| Pretax return on assets | 1.8551% | 618 |
| Return on Equity (ROE) | 12.6336% | 950 |
| Retained earnings to average equity (ytd only) | -20.5061% | 4,972 |
| Net charge-offs to loans | 0.1894% | 718 |
| Credit loss provision to net charge-offs | 57.6923% | 2,025 |
| Earnings coverage of net charge-offs (x) | 13.2692% | 1,662 |
| Efficiency ratio | 60.3448% | 3,693 |
| Assets per employee ($millions) | 6.6402% | 1,268 |
| Cash dividends to net income (ytd only)* | 262.3145% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1879% | 383 |
| Loan loss allowance to noncurrent loans | 596.5000% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 2,101 |
| Noncurrent loans to loans | 0.3668% | 3,173 |
| Net loans and leases to total assets | 73.0169% | 1,779 |
| Net loans and leases to deposits | 85.4970% | 2,058 |
| Net loans and leases to core deposits | 96.8828% | 1,723 |
| Total domestic deposits to total assets | 85.4029% | 2,248 |
| Equity capital to assets | 14.3684% | 935 |
| Core capital (leverage) ratio | 14.0859% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,665,000 | 4,365 |
| Average earning assets | $70,220,000 | 4,309 |
| Average equity | $10,670,000 | 4,147 |
| Average total loans | $54,905,000 | 4,054 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4215% | 643 |
| Cost of funding earning assets | 0.9377% | 2,023 |
| Net interest margin | 4.4838% | 738 |
| Noninterest income to average assets | 0.4323% | 3,093 |
| Noninterest expense to average assets | 2.6960% | 2,893 |
| Loan and lease loss provision to assets | 0.1474% | 1,453 |
| Net operating income to assets | 1.9241% | 412 |
| Return on assets (ROA) | 1.9241% | 429 |
| Pretax return on assets | 1.9241% | 705 |
| Return on Equity (ROE) | 13.4341% | 1,040 |
| Retained earnings to average equity (ytd only) | 5.2717% | 2,282 |
| Net charge-offs to loans | -0.0455% | 4,810 |
| Credit loss provision to net charge-offs | -437.5000% | 4,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5499% | 4,140 |
| Assets per employee ($millions) | 6.0240% | 1,615 |
| Cash dividends to net income (ytd only)* | 60.7586% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 341 |
| Loan loss allowance to noncurrent loans | 797.3510% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 2,172 |
| Noncurrent loans to loans | 0.2731% | 3,472 |
| Net loans and leases to total assets | 74.8119% | 1,614 |
| Net loans and leases to deposits | 88.3343% | 1,796 |
| Net loans and leases to core deposits | 99.7013% | 1,588 |
| Total domestic deposits to total assets | 84.6918% | 2,610 |
| Equity capital to assets | 15.0025% | 792 |
| Core capital (leverage) ratio | 15.0036% | 688 |
| Tier 1 risk-based capital ratio | 20.5330% | 1,246 |
| Total risk-based capital ratio | 21.7958% | 1,213 |
| Memoranda: | ||
| Average total assets | $71,253,600 | 4,409 |
| Average earning assets | $68,892,400 | 4,361 |
| Average equity | $10,205,400 | 4,215 |
| Average total loans | $52,730,400 | 4,130 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3880% | 721 |
| Cost of funding earning assets | 0.9142% | 2,162 |
| Net interest margin | 4.4738% | 816 |
| Noninterest income to average assets | 0.4395% | 3,083 |
| Noninterest expense to average assets | 2.7062% | 2,858 |
| Loan and lease loss provision to assets | 0.1690% | 1,096 |
| Net operating income to assets | 1.8930% | 498 |
| Return on assets (ROA) | 1.8930% | 520 |
| Pretax return on assets | 1.8930% | 879 |
| Return on Equity (ROE) | 13.3788% | 1,150 |
| Retained earnings to average equity (ytd only) | 2.3227% | 4,169 |
| Net charge-offs to loans | -0.0717% | 4,921 |
| Credit loss provision to net charge-offs | -321.4286% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7546% | 4,090 |
| Assets per employee ($millions) | 5.4546% | 2,072 |
| Cash dividends to net income (ytd only)* | 82.6387% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2702% | 303 |
| Loan loss allowance to noncurrent loans | 750.3145% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 2,153 |
| Noncurrent loans to loans | 0.3026% | 3,452 |
| Net loans and leases to total assets | 72.4270% | 2,104 |
| Net loans and leases to deposits | 85.3577% | 2,277 |
| Net loans and leases to core deposits | 96.5140% | 1,959 |
| Total domestic deposits to total assets | 84.8512% | 2,478 |
| Equity capital to assets | 14.8075% | 904 |
| Core capital (leverage) ratio | 14.7918% | 789 |
| Tier 1 risk-based capital ratio | 21.0291% | 1,192 |
| Total risk-based capital ratio | 22.2926% | 1,170 |
| Memoranda: | ||
| Average total assets | $70,995,000 | 4,467 |
| Average earning assets | $68,694,250 | 4,421 |
| Average equity | $10,045,500 | 4,281 |
| Average total loans | $52,092,000 | 4,184 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 783 |
| Cost of funding earning assets | 0.8757% | 2,271 |
| Net interest margin | 4.4425% | 868 |
| Noninterest income to average assets | 0.4139% | 3,176 |
| Noninterest expense to average assets | 2.6752% | 2,992 |
| Loan and lease loss provision to assets | 0.1690% | 1,078 |
| Net operating income to assets | 1.8698% | 519 |
| Return on assets (ROA) | 1.8698% | 542 |
| Pretax return on assets | 1.8698% | 893 |
| Return on Equity (ROE) | 13.4223% | 1,119 |
| Retained earnings to average equity (ytd only) | -3.4162% | 4,987 |
| Net charge-offs to loans | -0.0462% | 4,812 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7503% | 4,158 |
| Assets per employee ($millions) | 6.3764% | 1,295 |
| Cash dividends to net income (ytd only)* | 125.4518% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1967% | 333 |
| Loan loss allowance to noncurrent loans | 365.2866% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 1,642 |
| Noncurrent loans to loans | 0.6014% | 2,468 |
| Net loans and leases to total assets | 72.8087% | 2,096 |
| Net loans and leases to deposits | 85.3138% | 2,336 |
| Net loans and leases to core deposits | 96.4749% | 2,022 |
| Total domestic deposits to total assets | 85.3422% | 2,327 |
| Equity capital to assets | 14.4012% | 984 |
| Core capital (leverage) ratio | 14.3036% | 878 |
| Tier 1 risk-based capital ratio | 20.4264% | 1,269 |
| Total risk-based capital ratio | 21.6897% | 1,232 |
| Memoranda: | ||
| Average total assets | $71,023,330 | 4,500 |
| Average earning assets | $68,744,330 | 4,453 |
| Average equity | $9,894,000 | 4,313 |
| Average total loans | $51,939,000 | 4,223 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 952 |
| Cost of funding earning assets | 0.8200% | 2,422 |
| Net interest margin | 4.3542% | 1,002 |
| Noninterest income to average assets | 0.3694% | 3,379 |
| Noninterest expense to average assets | 2.6978% | 2,911 |
| Loan and lease loss provision to assets | 0.1679% | 1,000 |
| Net operating income to assets | 1.7239% | 698 |
| Return on assets (ROA) | 1.7239% | 724 |
| Pretax return on assets | 1.7239% | 1,157 |
| Return on Equity (ROE) | 12.5836% | 1,360 |
| Retained earnings to average equity (ytd only) | -21.4494% | 5,265 |
| Net charge-offs to loans | -0.0772% | 4,961 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7805% | 3,982 |
| Assets per employee ($millions) | 7.1526% | 938 |
| Cash dividends to net income (ytd only)* | 270.4545% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1755% | 366 |
| Loan loss allowance to noncurrent loans | 326.0234% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8878% | 1,588 |
| Noncurrent loans to loans | 0.6673% | 2,350 |
| Net loans and leases to total assets | 70.0962% | 2,461 |
| Net loans and leases to deposits | 81.1672% | 2,709 |
| Net loans and leases to core deposits | 91.4375% | 2,352 |
| Total domestic deposits to total assets | 86.3602% | 2,122 |
| Equity capital to assets | 13.4315% | 1,237 |
| Core capital (leverage) ratio | 13.6784% | 1,035 |
| Tier 1 risk-based capital ratio | 20.1134% | 1,326 |
| Total risk-based capital ratio | 21.3781% | 1,285 |
| Memoranda: | ||
| Average total assets | $71,465,000 | 4,543 |
| Average earning assets | $69,266,000 | 4,495 |
| Average equity | $9,790,500 | 4,358 |
| Average total loans | $51,801,000 | 4,268 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1935% | 709 |
| Cost of funding earning assets | 0.6276% | 2,541 |
| Net interest margin | 4.5659% | 663 |
| Noninterest income to average assets | 0.3951% | 3,470 |
| Noninterest expense to average assets | 2.7073% | 3,002 |
| Loan and lease loss provision to assets | 0.1756% | 1,126 |
| Net operating income to assets | 1.9200% | 423 |
| Return on assets (ROA) | 1.9200% | 419 |
| Pretax return on assets | 1.9200% | 680 |
| Return on Equity (ROE) | 14.0150% | 1,038 |
| Retained earnings to average equity (ytd only) | 8.8876% | 907 |
| Net charge-offs to loans | 0.0728% | 2,078 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 39.7778% | 1,315 |
| Efficiency ratio | 56.3681% | 4,359 |
| Assets per employee ($millions) | 7.1404% | 922 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0535% | 429 |
| Loan loss allowance to noncurrent loans | 314.3275% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 1,545 |
| Noncurrent loans to loans | 0.6533% | 2,365 |
| Net loans and leases to total assets | 71.8097% | 2,296 |
| Net loans and leases to deposits | 84.7129% | 2,437 |
| Net loans and leases to core deposits | 95.6284% | 2,091 |
| Total domestic deposits to total assets | 84.7684% | 2,741 |
| Equity capital to assets | 13.9684% | 980 |
| Core capital (leverage) ratio | 14.4646% | 810 |
| Tier 1 risk-based capital ratio | 20.6108% | 1,208 |
| Total risk-based capital ratio | 21.8703% | 1,178 |
| Memoranda: | ||
| Average total assets | $68,334,000 | 4,610 |
| Average earning assets | $65,966,600 | 4,557 |
| Average equity | $9,361,400 | 4,412 |
| Average total loans | $49,431,800 | 4,327 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1295% | 715 |
| Cost of funding earning assets | 0.5831% | 2,602 |
| Net interest margin | 4.5463% | 678 |
| Noninterest income to average assets | 0.4065% | 3,441 |
| Noninterest expense to average assets | 2.7390% | 2,846 |
| Loan and lease loss provision to assets | 0.1776% | 1,029 |
| Net operating income to assets | 1.8747% | 518 |
| Return on assets (ROA) | 1.8747% | 518 |
| Pretax return on assets | 1.8747% | 854 |
| Return on Equity (ROE) | 13.7555% | 1,184 |
| Retained earnings to average equity (ytd only) | 6.8053% | 2,231 |
| Net charge-offs to loans | 0.1040% | 1,445 |
| Credit loss provision to net charge-offs | 236.8421% | 1,226 |
| Earnings coverage of net charge-offs (x) | 27.3659% | 1,707 |
| Efficiency ratio | 57.1664% | 4,230 |
| Assets per employee ($millions) | 6.9034% | 975 |
| Cash dividends to net income (ytd only)* | 50.5258% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 446 |
| Loan loss allowance to noncurrent loans | 357.1918% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 1,673 |
| Noncurrent loans to loans | 0.5737% | 2,656 |
| Net loans and leases to total assets | 72.2151% | 2,296 |
| Net loans and leases to deposits | 84.9849% | 2,478 |
| Net loans and leases to core deposits | 96.2841% | 2,086 |
| Total domestic deposits to total assets | 84.9741% | 2,616 |
| Equity capital to assets | 13.6846% | 1,061 |
| Core capital (leverage) ratio | 14.7469% | 770 |
| Tier 1 risk-based capital ratio | 20.4091% | 1,267 |
| Total risk-based capital ratio | 21.6691% | 1,234 |
| Memoranda: | ||
| Average total assets | $67,566,500 | 4,668 |
| Average earning assets | $65,164,250 | 4,621 |
| Average equity | $9,208,250 | 4,473 |
| Average total loans | $48,702,250 | 4,385 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 752 |
| Cost of funding earning assets | 0.5505% | 2,602 |
| Net interest margin | 4.4873% | 718 |
| Noninterest income to average assets | 0.4115% | 3,415 |
| Noninterest expense to average assets | 2.6835% | 3,072 |
| Loan and lease loss provision to assets | 0.1789% | 1,006 |
| Net operating income to assets | 1.8754% | 499 |
| Return on assets (ROA) | 1.8754% | 493 |
| Pretax return on assets | 1.8754% | 827 |
| Return on Equity (ROE) | 13.7808% | 1,137 |
| Retained earnings to average equity (ytd only) | 3.2644% | 3,937 |
| Net charge-offs to loans | 0.0709% | 1,629 |
| Credit loss provision to net charge-offs | 352.9412% | 895 |
| Earnings coverage of net charge-offs (x) | 40.5294% | 1,281 |
| Efficiency ratio | 56.6394% | 4,396 |
| Assets per employee ($millions) | 6.6438% | 1,104 |
| Cash dividends to net income (ytd only)* | 76.3116% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1041% | 439 |
| Loan loss allowance to noncurrent loans | 222.3656% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1906% | 1,204 |
| Noncurrent loans to loans | 0.9463% | 1,838 |
| Net loans and leases to total assets | 72.4089% | 2,211 |
| Net loans and leases to deposits | 84.2047% | 2,515 |
| Net loans and leases to core deposits | 93.6973% | 2,249 |
| Total domestic deposits to total assets | 85.9915% | 2,283 |
| Equity capital to assets | 13.8385% | 975 |
| Core capital (leverage) ratio | 14.2060% | 848 |
| Tier 1 risk-based capital ratio | 20.5093% | 1,250 |
| Total risk-based capital ratio | 21.7709% | 1,222 |
| Memoranda: | ||
| Average total assets | $67,077,330 | 4,735 |
| Average earning assets | $64,671,000 | 4,685 |
| Average equity | $9,128,670 | 4,523 |
| Average total loans | $47,971,000 | 4,439 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 858 |
| Cost of funding earning assets | 0.5116% | 2,710 |
| Net interest margin | 4.3952% | 775 |
| Noninterest income to average assets | 0.3917% | 3,528 |
| Noninterest expense to average assets | 2.7360% | 2,921 |
| Loan and lease loss provision to assets | 0.1780% | 973 |
| Net operating income to assets | 1.7093% | 674 |
| Return on assets (ROA) | 1.7093% | 684 |
| Pretax return on assets | 1.7093% | 1,090 |
| Return on Equity (ROE) | 12.6649% | 1,363 |
| Retained earnings to average equity (ytd only) | -8.4433% | 5,320 |
| Net charge-offs to loans | -0.0253% | 4,670 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1784% | 4,186 |
| Assets per employee ($millions) | 6.8249% | 1,037 |
| Cash dividends to net income (ytd only)* | 166.6667% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1714% | 408 |
| Loan loss allowance to noncurrent loans | 172.6813% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.3568% | 1,083 |
| Noncurrent loans to loans | 1.2574% | 1,435 |
| Net loans and leases to total assets | 67.5981% | 2,814 |
| Net loans and leases to deposits | 77.8663% | 3,031 |
| Net loans and leases to core deposits | 86.2707% | 2,780 |
| Total domestic deposits to total assets | 86.8130% | 2,198 |
| Equity capital to assets | 13.0713% | 1,205 |
| Core capital (leverage) ratio | 13.7031% | 947 |
| Tier 1 risk-based capital ratio | 20.2321% | 1,306 |
| Total risk-based capital ratio | 21.4942% | 1,278 |
| Memoranda: | ||
| Average total assets | $67,397,000 | 4,788 |
| Average earning assets | $64,889,000 | 4,735 |
| Average equity | $9,096,000 | 4,575 |
| Average total loans | $47,386,000 | 4,501 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 689 |
| Cost of funding earning assets | 0.4989% | 2,340 |
| Net interest margin | 4.4668% | 673 |
| Noninterest income to average assets | 0.3857% | 3,727 |
| Noninterest expense to average assets | 2.6801% | 3,194 |
| Loan and lease loss provision to assets | 0.1822% | 1,172 |
| Net operating income to assets | 1.8054% | 415 |
| Return on assets (ROA) | 1.8054% | 423 |
| Pretax return on assets | 1.8054% | 781 |
| Return on Equity (ROE) | 13.5508% | 841 |
| Retained earnings to average equity (ytd only) | 8.7641% | 546 |
| Net charge-offs to loans | 0.1123% | 1,940 |
| Credit loss provision to net charge-offs | 230.7692% | 1,200 |
| Earnings coverage of net charge-offs (x) | 25.1731% | 1,727 |
| Efficiency ratio | 57.4170% | 4,598 |
| Assets per employee ($millions) | 6.6545% | 1,124 |
| Cash dividends to net income (ytd only)* | 35.3238% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0814% | 459 |
| Loan loss allowance to noncurrent loans | 150.1515% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 913 |
| Noncurrent loans to loans | 1.3862% | 1,243 |
| Net loans and leases to total assets | 70.0609% | 2,517 |
| Net loans and leases to deposits | 81.5127% | 2,763 |
| Net loans and leases to core deposits | 89.5492% | 2,609 |
| Total domestic deposits to total assets | 85.9509% | 2,462 |
| Equity capital to assets | 13.9319% | 934 |
| Core capital (leverage) ratio | 14.0137% | 830 |
| Tier 1 risk-based capital ratio | 20.3313% | 1,258 |
| Total risk-based capital ratio | 21.5909% | 1,226 |
| Memoranda: | ||
| Average total assets | $65,856,800 | 4,853 |
| Average earning assets | $63,132,600 | 4,800 |
| Average equity | $8,774,400 | 4,651 |
| Average total loans | $46,315,600 | 4,557 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 703 |
| Cost of funding earning assets | 0.4878% | 2,370 |
| Net interest margin | 4.4479% | 667 |
| Noninterest income to average assets | 0.3999% | 3,687 |
| Noninterest expense to average assets | 2.7038% | 3,056 |
| Loan and lease loss provision to assets | 0.1827% | 1,082 |
| Net operating income to assets | 1.7700% | 499 |
| Return on assets (ROA) | 1.7700% | 515 |
| Pretax return on assets | 1.7700% | 959 |
| Return on Equity (ROE) | 13.4405% | 948 |
| Retained earnings to average equity (ytd only) | 6.9669% | 1,708 |
| Net charge-offs to loans | 0.1710% | 1,221 |
| Credit loss provision to net charge-offs | 152.5424% | 1,668 |
| Earnings coverage of net charge-offs (x) | 16.3060% | 2,172 |
| Efficiency ratio | 58.0645% | 4,492 |
| Assets per employee ($millions) | 6.6075% | 1,122 |
| Cash dividends to net income (ytd only)* | 48.1654% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0461% | 525 |
| Loan loss allowance to noncurrent loans | 170.6619% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.3878% | 1,127 |
| Noncurrent loans to loans | 1.1989% | 1,597 |
| Net loans and leases to total assets | 69.1199% | 2,675 |
| Net loans and leases to deposits | 80.2541% | 2,947 |
| Net loans and leases to core deposits | 87.7681% | 2,795 |
| Total domestic deposits to total assets | 86.1264% | 2,257 |
| Equity capital to assets | 13.6436% | 1,101 |
| Core capital (leverage) ratio | 14.0990% | 870 |
| Tier 1 risk-based capital ratio | 19.9713% | 1,366 |
| Total risk-based capital ratio | 21.2320% | 1,328 |
| Memoranda: | ||
| Average total assets | $65,684,750 | 4,904 |
| Average earning assets | $62,859,500 | 4,855 |
| Average equity | $8,650,250 | 4,721 |
| Average total loans | $45,991,250 | 4,611 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 628 |
| Cost of funding earning assets | 0.4856% | 2,283 |
| Net interest margin | 4.4595% | 622 |
| Noninterest income to average assets | 0.4119% | 3,613 |
| Noninterest expense to average assets | 2.7153% | 3,038 |
| Loan and lease loss provision to assets | 0.1831% | 1,032 |
| Net operating income to assets | 1.7726% | 475 |
| Return on assets (ROA) | 1.7726% | 484 |
| Pretax return on assets | 1.7726% | 894 |
| Return on Equity (ROE) | 13.6246% | 886 |
| Retained earnings to average equity (ytd only) | 3.7755% | 3,437 |
| Net charge-offs to loans | 0.0612% | 2,046 |
| Credit loss provision to net charge-offs | 428.5714% | 747 |
| Earnings coverage of net charge-offs (x) | 45.7857% | 1,144 |
| Efficiency ratio | 58.1319% | 4,573 |
| Assets per employee ($millions) | 6.3934% | 1,212 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1688% | 455 |
| Loan loss allowance to noncurrent loans | 232.9327% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 1.2106% | 1,405 |
| Noncurrent loans to loans | 0.9311% | 2,106 |
| Net loans and leases to total assets | 68.3689% | 2,753 |
| Net loans and leases to deposits | 79.3044% | 2,993 |
| Net loans and leases to core deposits | 87.4272% | 2,753 |
| Total domestic deposits to total assets | 86.2108% | 2,288 |
| Equity capital to assets | 13.6344% | 1,094 |
| Core capital (leverage) ratio | 13.4744% | 1,003 |
| Tier 1 risk-based capital ratio | 20.1248% | 1,345 |
| Total risk-based capital ratio | 21.3868% | 1,311 |
| Memoranda: | ||
| Average total assets | $65,554,670 | 4,939 |
| Average earning assets | $62,608,000 | 4,893 |
| Average equity | $8,528,670 | 4,763 |
| Average total loans | $45,780,000 | 4,642 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8279% | 708 |
| Cost of funding earning assets | 0.4727% | 2,331 |
| Net interest margin | 4.3552% | 697 |
| Noninterest income to average assets | 0.4159% | 3,558 |
| Noninterest expense to average assets | 2.7484% | 2,957 |
| Loan and lease loss provision to assets | 0.1808% | 960 |
| Net operating income to assets | 1.6515% | 608 |
| Return on assets (ROA) | 1.6515% | 623 |
| Pretax return on assets | 1.6515% | 1,121 |
| Return on Equity (ROE) | 12.9942% | 1,000 |
| Retained earnings to average equity (ytd only) | -6.9239% | 5,486 |
| Net charge-offs to loans | 0.1554% | 1,035 |
| Credit loss provision to net charge-offs | 166.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | 16.8889% | 1,623 |
| Efficiency ratio | 60.0000% | 4,454 |
| Assets per employee ($millions) | 6.6161% | 1,130 |
| Cash dividends to net income (ytd only)* | 153.2847% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0352% | 625 |
| Loan loss allowance to noncurrent loans | 224.2206% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 1.2802% | 1,331 |
| Noncurrent loans to loans | 0.9077% | 2,219 |
| Net loans and leases to total assets | 68.0265% | 2,679 |
| Net loans and leases to deposits | 79.2321% | 2,840 |
| Net loans and leases to core deposits | 87.0643% | 2,634 |
| Total domestic deposits to total assets | 85.8572% | 2,737 |
| Equity capital to assets | 12.6540% | 1,440 |
| Core capital (leverage) ratio | 12.8703% | 1,197 |
| Tier 1 risk-based capital ratio | 19.1524% | 1,575 |
| Total risk-based capital ratio | 20.4127% | 1,537 |
| Memoranda: | ||
| Average total assets | $66,365,000 | 4,975 |
| Average earning assets | $63,465,000 | 4,928 |
| Average equity | $8,434,500 | 4,820 |
| Average total loans | $46,330,000 | 4,666 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 772 |
| Cost of funding earning assets | 0.4770% | 2,284 |
| Net interest margin | 4.3999% | 775 |
| Noninterest income to average assets | 0.3740% | 4,071 |
| Noninterest expense to average assets | 2.6707% | 3,445 |
| Loan and lease loss provision to assets | 0.2509% | 838 |
| Net operating income to assets | 1.6840% | 566 |
| Return on assets (ROA) | 1.6840% | 594 |
| Pretax return on assets | 1.6840% | 1,046 |
| Return on Equity (ROE) | 13.3100% | 923 |
| Retained earnings to average equity (ytd only) | 9.2221% | 539 |
| Net charge-offs to loans | 0.7911% | 259 |
| Credit loss provision to net charge-offs | 44.9036% | 3,443 |
| Earnings coverage of net charge-offs (x) | 3.4628% | 3,666 |
| Efficiency ratio | 57.9880% | 4,855 |
| Assets per employee ($millions) | 6.6569% | 1,071 |
| Cash dividends to net income (ytd only)* | 30.7130% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9757% | 686 |
| Loan loss allowance to noncurrent loans | 175.8095% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 1,171 |
| Noncurrent loans to loans | 1.1238% | 1,833 |
| Net loans and leases to total assets | 68.7933% | 2,649 |
| Net loans and leases to deposits | 80.2661% | 2,863 |
| Net loans and leases to core deposits | 88.1436% | 2,655 |
| Total domestic deposits to total assets | 85.7066% | 2,727 |
| Equity capital to assets | 12.7642% | 1,367 |
| Core capital (leverage) ratio | 12.9192% | 1,164 |
| Tier 1 risk-based capital ratio | 19.1922% | 1,545 |
| Total risk-based capital ratio | 20.4516% | 1,508 |
| Memoranda: | ||
| Average total assets | $64,964,800 | 5,029 |
| Average earning assets | $62,478,400 | 4,971 |
| Average equity | $8,219,400 | 4,895 |
| Average total loans | $45,886,000 | 4,690 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 782 |
| Cost of funding earning assets | 0.4676% | 2,389 |
| Net interest margin | 4.3998% | 779 |
| Noninterest income to average assets | 0.4254% | 3,727 |
| Noninterest expense to average assets | 2.7197% | 3,295 |
| Loan and lease loss provision to assets | 0.2685% | 667 |
| Net operating income to assets | 1.6727% | 628 |
| Return on assets (ROA) | 1.6727% | 668 |
| Pretax return on assets | 1.6727% | 1,191 |
| Return on Equity (ROE) | 13.2512% | 979 |
| Retained earnings to average equity (ytd only) | 7.7544% | 1,280 |
| Net charge-offs to loans | 0.8757% | 208 |
| Credit loss provision to net charge-offs | 43.3333% | 3,121 |
| Earnings coverage of net charge-offs (x) | 3.1333% | 3,463 |
| Efficiency ratio | 58.3518% | 4,769 |
| Assets per employee ($millions) | 6.4924% | 1,112 |
| Cash dividends to net income (ytd only)* | 41.4817% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0700% | 636 |
| Loan loss allowance to noncurrent loans | 159.3645% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.5464% | 1,141 |
| Noncurrent loans to loans | 1.2989% | 1,716 |
| Net loans and leases to total assets | 69.4427% | 2,578 |
| Net loans and leases to deposits | 81.4632% | 2,804 |
| Net loans and leases to core deposits | 88.7343% | 2,685 |
| Total domestic deposits to total assets | 85.2443% | 2,700 |
| Equity capital to assets | 13.1523% | 1,416 |
| Core capital (leverage) ratio | 13.1481% | 1,134 |
| Tier 1 risk-based capital ratio | 19.0822% | 1,658 |
| Total risk-based capital ratio | 20.3429% | 1,608 |
| Memoranda: | ||
| Average total assets | $64,563,750 | 5,085 |
| Average earning assets | $62,153,500 | 5,019 |
| Average equity | $8,150,000 | 4,955 |
| Average total loans | $45,678,000 | 4,738 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 836 |
| Cost of funding earning assets | 0.4705% | 2,367 |
| Net interest margin | 4.3571% | 838 |
| Noninterest income to average assets | 0.4314% | 3,654 |
| Noninterest expense to average assets | 2.6721% | 3,478 |
| Loan and lease loss provision to assets | 0.2793% | 661 |
| Net operating income to assets | 1.6759% | 607 |
| Return on assets (ROA) | 1.6759% | 648 |
| Pretax return on assets | 1.6759% | 1,156 |
| Return on Equity (ROE) | 13.4658% | 934 |
| Retained earnings to average equity (ytd only) | 5.0871% | 2,668 |
| Net charge-offs to loans | 1.2292% | 138 |
| Credit loss provision to net charge-offs | 32.1429% | 2,837 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 3,302 |
| Efficiency ratio | 57.7465% | 4,938 |
| Assets per employee ($millions) | 6.3255% | 1,183 |
| Cash dividends to net income (ytd only)* | 62.2222% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 725 |
| Loan loss allowance to noncurrent loans | 227.0073% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3406% | 1,492 |
| Noncurrent loans to loans | 0.8834% | 2,528 |
| Net loans and leases to total assets | 72.0781% | 2,155 |
| Net loans and leases to deposits | 83.1640% | 2,572 |
| Net loans and leases to core deposits | 89.8083% | 2,550 |
| Total domestic deposits to total assets | 86.6698% | 2,073 |
| Equity capital to assets | 13.1373% | 1,423 |
| Core capital (leverage) ratio | 12.5622% | 1,322 |
| Tier 1 risk-based capital ratio | 18.3131% | 1,845 |
| Total risk-based capital ratio | 19.5749% | 1,805 |
| Memoranda: | ||
| Average total assets | $64,443,670 | 5,135 |
| Average earning assets | $62,059,330 | 5,070 |
| Average equity | $8,020,330 | 5,018 |
| Average total loans | $45,558,000 | 4,786 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6240% | 1,202 |
| Cost of funding earning assets | 0.4662% | 2,415 |
| Net interest margin | 4.1578% | 1,201 |
| Noninterest income to average assets | 0.4244% | 3,653 |
| Noninterest expense to average assets | 2.6877% | 3,458 |
| Loan and lease loss provision to assets | 0.2460% | 725 |
| Net operating income to assets | 1.4945% | 866 |
| Return on assets (ROA) | 1.4945% | 908 |
| Pretax return on assets | 1.4945% | 1,615 |
| Return on Equity (ROE) | 12.3421% | 1,205 |
| Retained earnings to average equity (ytd only) | -4.7235% | 5,596 |
| Net charge-offs to loans | 2.6090% | 49 |
| Credit loss provision to net charge-offs | 13.6054% | 2,342 |
| Earnings coverage of net charge-offs (x) | 0.9626% | 2,879 |
| Efficiency ratio | 60.6944% | 4,650 |
| Assets per employee ($millions) | 6.5189% | 1,101 |
| Cash dividends to net income (ytd only)* | 138.2716% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 921 |
| Loan loss allowance to noncurrent loans | 167.4374% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 1.5892% | 1,256 |
| Noncurrent loans to loans | 1.1540% | 2,095 |
| Net loans and leases to total assets | 67.6556% | 2,701 |
| Net loans and leases to deposits | 78.1003% | 3,002 |
| Net loans and leases to core deposits | 84.1294% | 2,927 |
| Total domestic deposits to total assets | 86.6266% | 2,398 |
| Equity capital to assets | 12.1478% | 1,922 |
| Core capital (leverage) ratio | 12.0464% | 1,578 |
| Tier 1 risk-based capital ratio | 18.2550% | 1,919 |
| Total risk-based capital ratio | 19.5139% | 1,878 |
| Memoranda: | ||
| Average total assets | $65,038,000 | 5,180 |
| Average earning assets | $62,630,000 | 5,107 |
| Average equity | $7,875,500 | 5,080 |
| Average total loans | $45,074,000 | 4,828 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 797 |
| Cost of funding earning assets | 0.4451% | 2,682 |
| Net interest margin | 4.4370% | 736 |
| Noninterest income to average assets | 0.4203% | 3,892 |
| Noninterest expense to average assets | 2.8290% | 3,111 |
| Loan and lease loss provision to assets | 0.1962% | 1,106 |
| Net operating income to assets | 1.6337% | 655 |
| Return on assets (ROA) | 1.6615% | 636 |
| Pretax return on assets | 1.6615% | 1,078 |
| Return on Equity (ROE) | 13.6677% | 916 |
| Retained earnings to average equity (ytd only) | 9.6319% | 514 |
| Net charge-offs to loans | 0.2075% | 1,419 |
| Credit loss provision to net charge-offs | 134.8315% | 1,942 |
| Earnings coverage of net charge-offs (x) | 12.5730% | 2,450 |
| Efficiency ratio | 60.7231% | 4,796 |
| Assets per employee ($millions) | 6.4887% | 1,105 |
| Cash dividends to net income (ytd only)* | 29.5276% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4859% | 401 |
| Loan loss allowance to noncurrent loans | 194.9653% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.6829% | 1,159 |
| Noncurrent loans to loans | 1.2750% | 1,849 |
| Net loans and leases to total assets | 67.8903% | 2,714 |
| Net loans and leases to deposits | 78.2674% | 3,025 |
| Net loans and leases to core deposits | 83.1185% | 3,037 |
| Total domestic deposits to total assets | 86.7416% | 2,254 |
| Equity capital to assets | 12.0702% | 1,905 |
| Core capital (leverage) ratio | 12.3638% | 1,418 |
| Tier 1 risk-based capital ratio | 18.6796% | 1,781 |
| Total risk-based capital ratio | 19.9485% | 1,730 |
| Memoranda: | ||
| Average total assets | $61,151,400 | 5,291 |
| Average earning assets | $58,417,200 | 5,227 |
| Average equity | $7,433,600 | 5,166 |
| Average total loans | $42,890,200 | 4,900 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 736 |
| Cost of funding earning assets | 0.4414% | 2,781 |
| Net interest margin | 4.4785% | 683 |
| Noninterest income to average assets | 0.4716% | 3,557 |
| Noninterest expense to average assets | 2.9116% | 2,811 |
| Loan and lease loss provision to assets | 0.1771% | 1,191 |
| Net operating income to assets | 1.6517% | 683 |
| Return on assets (ROA) | 1.6517% | 709 |
| Pretax return on assets | 1.6517% | 1,233 |
| Return on Equity (ROE) | 13.5620% | 990 |
| Retained earnings to average equity (ytd only) | 8.1081% | 1,209 |
| Net charge-offs to loans | 0.0473% | 2,947 |
| Credit loss provision to net charge-offs | 533.3333% | 615 |
| Earnings coverage of net charge-offs (x) | 55.0655% | 979 |
| Efficiency ratio | 61.4199% | 4,656 |
| Assets per employee ($millions) | 6.0788% | 1,313 |
| Cash dividends to net income (ytd only)* | 40.2145% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6226% | 370 |
| Loan loss allowance to noncurrent loans | 258.8367% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 1.6335% | 1,351 |
| Noncurrent loans to loans | 1.0132% | 2,452 |
| Net loans and leases to total assets | 70.6718% | 2,287 |
| Net loans and leases to deposits | 82.2484% | 2,616 |
| Net loans and leases to core deposits | 85.2956% | 2,917 |
| Total domestic deposits to total assets | 85.9249% | 2,570 |
| Equity capital to assets | 12.6604% | 1,646 |
| Core capital (leverage) ratio | 12.6713% | 1,335 |
| Tier 1 risk-based capital ratio | 18.8624% | 1,804 |
| Total risk-based capital ratio | 20.1314% | 1,771 |
| Memoranda: | ||
| Average total assets | $60,217,500 | 5,385 |
| Average earning assets | $57,398,500 | 5,328 |
| Average equity | $7,334,000 | 5,247 |
| Average total loans | $42,319,000 | 4,980 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 809 |
| Cost of funding earning assets | 0.4343% | 2,904 |
| Net interest margin | 4.4126% | 743 |
| Noninterest income to average assets | 0.4598% | 3,633 |
| Noninterest expense to average assets | 2.8854% | 2,945 |
| Loan and lease loss provision to assets | 0.1832% | 1,114 |
| Net operating income to assets | 1.5893% | 762 |
| Return on assets (ROA) | 1.5893% | 788 |
| Pretax return on assets | 1.5893% | 1,358 |
| Return on Equity (ROE) | 13.2255% | 1,069 |
| Retained earnings to average equity (ytd only) | 4.9076% | 2,916 |
| Net charge-offs to loans | 0.1055% | 1,948 |
| Credit loss provision to net charge-offs | 250.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 24.1818% | 1,575 |
| Efficiency ratio | 61.9456% | 4,685 |
| Assets per employee ($millions) | 6.0704% | 1,302 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5927% | 434 |
| Loan loss allowance to noncurrent loans | 248.3444% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 1.7627% | 1,323 |
| Noncurrent loans to loans | 1.0440% | 2,557 |
| Net loans and leases to total assets | 69.6264% | 2,377 |
| Net loans and leases to deposits | 80.3658% | 2,737 |
| Net loans and leases to core deposits | 83.3140% | 3,047 |
| Total domestic deposits to total assets | 86.6368% | 2,354 |
| Equity capital to assets | 12.0223% | 2,009 |
| Core capital (leverage) ratio | 12.2691% | 1,501 |
| Tier 1 risk-based capital ratio | 17.9829% | 2,067 |
| Total risk-based capital ratio | 19.2519% | 2,019 |
| Memoranda: | ||
| Average total assets | $60,027,330 | 5,445 |
| Average earning assets | $57,109,670 | 5,394 |
| Average equity | $7,213,330 | 5,314 |
| Average total loans | $41,719,670 | 5,039 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 1,058 |
| Cost of funding earning assets | 0.4285% | 2,987 |
| Net interest margin | 4.2565% | 966 |
| Noninterest income to average assets | 0.4289% | 3,769 |
| Noninterest expense to average assets | 2.9955% | 2,598 |
| Loan and lease loss provision to assets | 0.2010% | 923 |
| Net operating income to assets | 1.2934% | 1,293 |
| Return on assets (ROA) | 1.2934% | 1,377 |
| Pretax return on assets | 1.2934% | 2,310 |
| Return on Equity (ROE) | 10.7656% | 1,709 |
| Retained earnings to average equity (ytd only) | -5.9685% | 5,986 |
| Net charge-offs to loans | 0.4990% | 501 |
| Credit loss provision to net charge-offs | 58.8235% | 2,016 |
| Earnings coverage of net charge-offs (x) | 4.3725% | 2,505 |
| Efficiency ratio | 66.7164% | 4,027 |
| Assets per employee ($millions) | 5.9532% | 1,423 |
| Cash dividends to net income (ytd only)* | 155.4404% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5751% | 478 |
| Loan loss allowance to noncurrent loans | 243.4091% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 1.8545% | 1,313 |
| Noncurrent loans to loans | 1.0579% | 2,650 |
| Net loans and leases to total assets | 68.0626% | 2,428 |
| Net loans and leases to deposits | 77.7268% | 2,841 |
| Net loans and leases to core deposits | 80.5963% | 3,094 |
| Total domestic deposits to total assets | 87.5664% | 2,066 |
| Equity capital to assets | 12.0087% | 2,021 |
| Core capital (leverage) ratio | 11.9060% | 1,698 |
| Tier 1 risk-based capital ratio | 16.8530% | 2,535 |
| Total risk-based capital ratio | 18.1191% | 2,483 |
| Memoranda: | ||
| Average total assets | $59,689,000 | 5,508 |
| Average earning assets | $56,948,500 | 5,446 |
| Average equity | $7,171,000 | 5,369 |
| Average total loans | $40,884,000 | 5,109 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 1,193 |
| Cost of funding earning assets | 0.4694% | 2,986 |
| Net interest margin | 4.2889% | 1,078 |
| Noninterest income to average assets | 0.2494% | 5,339 |
| Noninterest expense to average assets | 2.6690% | 3,983 |
| Loan and lease loss provision to assets | 0.2744% | 786 |
| Net operating income to assets | 1.3935% | 1,093 |
| Return on assets (ROA) | 1.3935% | 1,128 |
| Pretax return on assets | 1.3935% | 1,907 |
| Return on Equity (ROE) | 12.5232% | 1,261 |
| Retained earnings to average equity (ytd only) | 8.2491% | 933 |
| Net charge-offs to loans | 0.2136% | 1,956 |
| Credit loss provision to net charge-offs | 191.8605% | 1,288 |
| Earnings coverage of net charge-offs (x) | 11.6628% | 2,466 |
| Efficiency ratio | 61.5414% | 4,985 |
| Assets per employee ($millions) | 4.2747% | 3,413 |
| Cash dividends to net income (ytd only)* | 34.1289% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7179% | 417 |
| Loan loss allowance to noncurrent loans | 309.3484% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.7177% | 1,552 |
| Noncurrent loans to loans | 0.8786% | 3,122 |
| Net loans and leases to total assets | 65.3110% | 3,001 |
| Net loans and leases to deposits | 75.3988% | 3,268 |
| Net loans and leases to core deposits | 78.7834% | 3,435 |
| Total domestic deposits to total assets | 86.6207% | 2,498 |
| Equity capital to assets | 12.0192% | 2,006 |
| Core capital (leverage) ratio | 11.8553% | 1,730 |
| Tier 1 risk-based capital ratio | 16.9570% | 2,530 |
| Total risk-based capital ratio | 18.2237% | 2,485 |
| Memoranda: | ||
| Average total assets | $60,134,400 | 5,547 |
| Average earning assets | $57,310,800 | 5,475 |
| Average equity | $6,691,600 | 5,483 |
| Average total loans | $40,263,600 | 5,175 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 1,206 |
| Cost of funding earning assets | 0.4808% | 2,948 |
| Net interest margin | 4.2625% | 1,127 |
| Noninterest income to average assets | 0.2502% | 5,424 |
| Noninterest expense to average assets | 2.7040% | 3,811 |
| Loan and lease loss provision to assets | 0.2768% | 745 |
| Net operating income to assets | 1.3332% | 1,282 |
| Return on assets (ROA) | 1.3398% | 1,324 |
| Pretax return on assets | 1.3398% | 2,235 |
| Return on Equity (ROE) | 12.2848% | 1,404 |
| Retained earnings to average equity (ytd only) | 6.4774% | 2,119 |
| Net charge-offs to loans | 0.0728% | 3,153 |
| Credit loss provision to net charge-offs | 568.1818% | 515 |
| Earnings coverage of net charge-offs (x) | 33.0484% | 1,287 |
| Efficiency ratio | 62.6797% | 4,784 |
| Assets per employee ($millions) | 4.2438% | 3,392 |
| Cash dividends to net income (ytd only)* | 47.2721% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7505% | 466 |
| Loan loss allowance to noncurrent loans | 324.4186% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 1.9743% | 1,464 |
| Noncurrent loans to loans | 0.8478% | 3,451 |
| Net loans and leases to total assets | 66.4148% | 2,784 |
| Net loans and leases to deposits | 75.3538% | 3,264 |
| Net loans and leases to core deposits | 77.5363% | 3,580 |
| Total domestic deposits to total assets | 88.1373% | 1,696 |
| Equity capital to assets | 11.5547% | 2,425 |
| Core capital (leverage) ratio | 11.5903% | 1,987 |
| Tier 1 risk-based capital ratio | 16.3780% | 2,860 |
| Total risk-based capital ratio | 17.6451% | 2,813 |
| Memoranda: | ||
| Average total assets | $60,206,500 | 5,605 |
| Average earning assets | $57,398,750 | 5,530 |
| Average equity | $6,566,250 | 5,561 |
| Average total loans | $40,285,000 | 5,228 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 1,310 |
| Cost of funding earning assets | 0.4855% | 2,972 |
| Net interest margin | 4.1999% | 1,241 |
| Noninterest income to average assets | 0.3274% | 4,795 |
| Noninterest expense to average assets | 2.6327% | 4,124 |
| Loan and lease loss provision to assets | 0.2811% | 722 |
| Net operating income to assets | 1.4189% | 1,020 |
| Return on assets (ROA) | 1.4189% | 1,061 |
| Pretax return on assets | 1.4189% | 1,822 |
| Return on Equity (ROE) | 13.2680% | 1,107 |
| Retained earnings to average equity (ytd only) | 4.4227% | 3,359 |
| Net charge-offs to loans | -0.0299% | 5,685 |
| Credit loss provision to net charge-offs | -1,416.6667% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7634% | 5,181 |
| Assets per employee ($millions) | 4.2521% | 3,366 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7457% | 503 |
| Loan loss allowance to noncurrent loans | 499.5475% | 930 |
| Noncurrent assets plus other real estate owned to assets | 2.0477% | 1,550 |
| Noncurrent loans to loans | 0.5496% | 4,367 |
| Net loans and leases to total assets | 65.6890% | 2,806 |
| Net loans and leases to deposits | 74.2025% | 3,294 |
| Net loans and leases to core deposits | 76.1563% | 3,613 |
| Total domestic deposits to total assets | 88.5266% | 1,621 |
| Equity capital to assets | 11.2567% | 2,653 |
| Core capital (leverage) ratio | 11.2402% | 2,212 |
| Tier 1 risk-based capital ratio | 15.9755% | 3,099 |
| Total risk-based capital ratio | 17.2415% | 3,030 |
| Memoranda: | ||
| Average total assets | $60,471,000 | 5,645 |
| Average earning assets | $57,668,330 | 5,569 |
| Average equity | $6,466,670 | 5,608 |
| Average total loans | $40,188,330 | 5,268 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 1,551 |
| Cost of funding earning assets | 0.4961% | 2,946 |
| Net interest margin | 4.0861% | 1,501 |
| Noninterest income to average assets | 0.4004% | 4,184 |
| Noninterest expense to average assets | 2.5336% | 4,507 |
| Loan and lease loss provision to assets | 0.2954% | 659 |
| Net operating income to assets | 1.4637% | 871 |
| Return on assets (ROA) | 1.4637% | 900 |
| Pretax return on assets | 1.4637% | 1,534 |
| Return on Equity (ROE) | 14.0484% | 937 |
| Retained earnings to average equity (ytd only) | -3.9688% | 6,059 |
| Net charge-offs to loans | -0.0199% | 5,355 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0214% | 5,538 |
| Assets per employee ($millions) | 4.3275% | 3,290 |
| Cash dividends to net income (ytd only)* | 128.2511% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6152% | 702 |
| Loan loss allowance to noncurrent loans | 692.8105% | 710 |
| Noncurrent assets plus other real estate owned to assets | 2.1540% | 1,551 |
| Noncurrent loans to loans | 0.3775% | 4,993 |
| Net loans and leases to total assets | 65.1531% | 2,706 |
| Net loans and leases to deposits | 72.9684% | 3,209 |
| Net loans and leases to core deposits | 75.1924% | 3,506 |
| Total domestic deposits to total assets | 89.2894% | 1,476 |
| Equity capital to assets | 10.4993% | 3,245 |
| Core capital (leverage) ratio | 10.6378% | 2,773 |
| Tier 1 risk-based capital ratio | 15.3248% | 3,539 |
| Total risk-based capital ratio | 16.5891% | 3,484 |
| Memoranda: | ||
| Average total assets | $60,942,000 | 5,685 |
| Average earning assets | $58,050,500 | 5,608 |
| Average equity | $6,349,500 | 5,676 |
| Average total loans | $40,178,500 | 5,316 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 1,818 |
| Cost of funding earning assets | 0.7014% | 1,804 |
| Net interest margin | 3.9149% | 2,235 |
| Noninterest income to average assets | 0.2890% | 5,295 |
| Noninterest expense to average assets | 2.5438% | 4,630 |
| Loan and lease loss provision to assets | 0.2956% | 1,148 |
| Net operating income to assets | 1.1528% | 1,750 |
| Return on assets (ROA) | 1.1742% | 1,724 |
| Pretax return on assets | 1.1742% | 2,674 |
| Return on Equity (ROE) | 11.5048% | 1,591 |
| Retained earnings to average equity (ytd only) | 6.9029% | 1,473 |
| Net charge-offs to loans | 0.7532% | 845 |
| Credit loss provision to net charge-offs | 59.8007% | 3,570 |
| Earnings coverage of net charge-offs (x) | 2.9302% | 4,018 |
| Efficiency ratio | 63.7186% | 4,953 |
| Assets per employee ($millions) | 4.3785% | 3,124 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5437% | 782 |
| Loan loss allowance to noncurrent loans | 11,255.5556% | 69 |
| Noncurrent assets plus other real estate owned to assets | 2.1159% | 1,691 |
| Noncurrent loans to loans | 0.0226% | 6,199 |
| Net loans and leases to total assets | 63.3142% | 3,163 |
| Net loans and leases to deposits | 70.6953% | 3,698 |
| Net loans and leases to core deposits | 72.4748% | 4,008 |
| Total domestic deposits to total assets | 89.5594% | 1,295 |
| Equity capital to assets | 10.3395% | 3,351 |
| Core capital (leverage) ratio | 10.6303% | 2,752 |
| Tier 1 risk-based capital ratio | 16.0393% | 3,077 |
| Total risk-based capital ratio | 17.3038% | 3,026 |
| Memoranda: | ||
| Average total assets | $60,894,000 | 5,733 |
| Average earning assets | $57,600,400 | 5,663 |
| Average equity | $6,214,800 | 5,760 |
| Average total loans | $39,963,000 | 5,348 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 1,850 |
| Cost of funding earning assets | 0.7451% | 1,639 |
| Net interest margin | 3.8692% | 2,381 |
| Noninterest income to average assets | 0.2456% | 5,680 |
| Noninterest expense to average assets | 2.4630% | 4,828 |
| Loan and lease loss provision to assets | 0.2632% | 1,344 |
| Net operating income to assets | 1.1756% | 1,720 |
| Return on assets (ROA) | 1.2041% | 1,689 |
| Pretax return on assets | 1.2041% | 2,675 |
| Return on Equity (ROE) | 11.8367% | 1,528 |
| Retained earnings to average equity (ytd only) | 5.6704% | 2,623 |
| Net charge-offs to loans | 0.1467% | 3,075 |
| Credit loss provision to net charge-offs | 272.7273% | 929 |
| Earnings coverage of net charge-offs (x) | 14.9078% | 1,905 |
| Efficiency ratio | 63.1254% | 4,962 |
| Assets per employee ($millions) | 4.4271% | 2,997 |
| Cash dividends to net income (ytd only)* | 52.0943% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9289% | 597 |
| Loan loss allowance to noncurrent loans | 2,750.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 1.2778% | 3,089 |
| Noncurrent loans to loans | 0.1065% | 6,014 |
| Net loans and leases to total assets | 64.7015% | 2,872 |
| Net loans and leases to deposits | 72.2441% | 3,479 |
| Net loans and leases to core deposits | 74.0408% | 3,841 |
| Total domestic deposits to total assets | 89.5595% | 1,254 |
| Equity capital to assets | 10.1388% | 3,720 |
| Core capital (leverage) ratio | 10.3293% | 3,201 |
| Tier 1 risk-based capital ratio | 15.8391% | 3,278 |
| Total risk-based capital ratio | 17.1101% | 3,218 |
| Memoranda: | ||
| Average total assets | $60,792,750 | 5,799 |
| Average earning assets | $57,443,500 | 5,731 |
| Average equity | $6,184,000 | 5,842 |
| Average total loans | $39,997,750 | 5,394 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,070 |
| Cost of funding earning assets | 0.7851% | 1,493 |
| Net interest margin | 3.7503% | 2,762 |
| Noninterest income to average assets | 0.2119% | 5,924 |
| Noninterest expense to average assets | 2.5001% | 4,730 |
| Loan and lease loss provision to assets | 0.2484% | 1,504 |
| Net operating income to assets | 1.0067% | 2,304 |
| Return on assets (ROA) | 1.0497% | 2,237 |
| Pretax return on assets | 1.0497% | 3,295 |
| Return on Equity (ROE) | 10.3078% | 2,082 |
| Retained earnings to average equity (ytd only) | 1.0405% | 5,486 |
| Net charge-offs to loans | 0.2123% | 2,494 |
| Credit loss provision to net charge-offs | 178.5714% | 1,336 |
| Earnings coverage of net charge-offs (x) | 9.0238% | 2,333 |
| Efficiency ratio | 66.5785% | 4,435 |
| Assets per employee ($millions) | 5.6027% | 1,496 |
| Cash dividends to net income (ytd only)* | 89.9054% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9469% | 619 |
| Loan loss allowance to noncurrent loans | 620.7447% | 706 |
| Noncurrent assets plus other real estate owned to assets | 1.6258% | 2,668 |
| Noncurrent loans to loans | 0.4747% | 5,074 |
| Net loans and leases to total assets | 62.3625% | 3,228 |
| Net loans and leases to deposits | 69.3993% | 3,799 |
| Net loans and leases to core deposits | 71.5317% | 4,106 |
| Total domestic deposits to total assets | 89.8605% | 1,113 |
| Equity capital to assets | 9.8345% | 4,141 |
| Core capital (leverage) ratio | 10.2277% | 3,188 |
| Tier 1 risk-based capital ratio | 15.6878% | 3,371 |
| Total risk-based capital ratio | 16.9583% | 3,308 |
| Memoranda: | ||
| Average total assets | $60,397,000 | 5,847 |
| Average earning assets | $57,062,670 | 5,777 |
| Average equity | $6,150,670 | 5,888 |
| Average total loans | $39,559,670 | 5,440 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 1,997 |
| Cost of funding earning assets | 0.8398% | 1,311 |
| Net interest margin | 3.7080% | 2,820 |
| Noninterest income to average assets | 0.4015% | 4,444 |
| Noninterest expense to average assets | 2.4757% | 4,842 |
| Loan and lease loss provision to assets | 0.3011% | 1,149 |
| Net operating income to assets | 1.1107% | 1,814 |
| Return on assets (ROA) | 1.0973% | 1,970 |
| Pretax return on assets | 1.0973% | 2,958 |
| Return on Equity (ROE) | 10.5883% | 1,845 |
| Retained earnings to average equity (ytd only) | -7.8767% | 6,516 |
| Net charge-offs to loans | 0.4755% | 1,255 |
| Credit loss provision to net charge-offs | 95.7447% | 1,933 |
| Earnings coverage of net charge-offs (x) | 4.4894% | 2,542 |
| Efficiency ratio | 63.6833% | 5,056 |
| Assets per employee ($millions) | 5.0543% | 2,145 |
| Cash dividends to net income (ytd only)* | 174.3902% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8801% | 747 |
| Loan loss allowance to noncurrent loans | 119.2835% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 2.4204% | 1,918 |
| Noncurrent loans to loans | 2.4145% | 2,146 |
| Net loans and leases to total assets | 62.9361% | 2,896 |
| Net loans and leases to deposits | 70.1459% | 3,460 |
| Net loans and leases to core deposits | 73.0131% | 3,702 |
| Total domestic deposits to total assets | 89.7217% | 1,214 |
| Equity capital to assets | 10.1002% | 4,018 |
| Core capital (leverage) ratio | 10.1342% | 3,236 |
| Tier 1 risk-based capital ratio | 15.6265% | 3,461 |
| Total risk-based capital ratio | 16.8985% | 3,418 |
| Memoranda: | ||
| Average total assets | $59,780,500 | 5,909 |
| Average earning assets | $56,203,000 | 5,846 |
| Average equity | $6,195,500 | 5,942 |
| Average total loans | $39,539,000 | 5,485 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 1,207 |
| Cost of funding earning assets | 1.0085% | 1,314 |
| Net interest margin | 4.1420% | 1,850 |
| Noninterest income to average assets | 0.8233% | 2,167 |
| Noninterest expense to average assets | 2.7350% | 4,270 |
| Loan and lease loss provision to assets | 0.5269% | 1,104 |
| Net operating income to assets | 1.4095% | 1,082 |
| Return on assets (ROA) | 1.4144% | 1,189 |
| Pretax return on assets | 1.4144% | 1,993 |
| Return on Equity (ROE) | 14.6888% | 874 |
| Retained earnings to average equity (ytd only) | 14.6888% | 169 |
| Net charge-offs to loans | 0.8795% | 1,301 |
| Credit loss provision to net charge-offs | 86.4865% | 3,604 |
| Earnings coverage of net charge-offs (x) | 3.1784% | 3,846 |
| Efficiency ratio | 58.5478% | 5,757 |
| Assets per employee ($millions) | 4.9091% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8511% | 783 |
| Loan loss allowance to noncurrent loans | 109.4595% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 2.6600% | 1,815 |
| Noncurrent loans to loans | 2.6047% | 2,031 |
| Net loans and leases to total assets | 65.5927% | 2,593 |
| Net loans and leases to deposits | 73.5398% | 3,165 |
| Net loans and leases to core deposits | 76.4150% | 3,477 |
| Total domestic deposits to total assets | 89.1935% | 1,439 |
| Equity capital to assets | 10.6350% | 3,357 |
| Core capital (leverage) ratio | 10.4048% | 2,879 |
| Tier 1 risk-based capital ratio | 15.9092% | 3,212 |
| Total risk-based capital ratio | 17.1811% | 3,161 |
| Memoranda: | ||
| Average total assets | $60,731,200 | 5,903 |
| Average earning assets | $56,421,400 | 5,852 |
| Average equity | $5,848,000 | 6,060 |
| Average total loans | $42,067,800 | 5,417 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 1,197 |
| Cost of funding earning assets | 1.0348% | 1,370 |
| Net interest margin | 4.1625% | 1,858 |
| Noninterest income to average assets | 0.9610% | 1,636 |
| Noninterest expense to average assets | 2.7108% | 4,318 |
| Loan and lease loss provision to assets | 0.5448% | 1,077 |
| Net operating income to assets | 1.5798% | 895 |
| Return on assets (ROA) | 1.5798% | 993 |
| Pretax return on assets | 1.5798% | 1,642 |
| Return on Equity (ROE) | 16.8294% | 626 |
| Retained earnings to average equity (ytd only) | 16.8294% | 158 |
| Net charge-offs to loans | 0.9943% | 1,068 |
| Credit loss provision to net charge-offs | 78.6164% | 3,662 |
| Earnings coverage of net charge-offs (x) | 3.0660% | 3,803 |
| Efficiency ratio | 56.0613% | 6,051 |
| Assets per employee ($millions) | 5.0188% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6210% | 1,061 |
| Loan loss allowance to noncurrent loans | 149.9329% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 3.2345% | 1,588 |
| Noncurrent loans to loans | 1.7481% | 3,157 |
| Net loans and leases to total assets | 68.9071% | 2,133 |
| Net loans and leases to deposits | 76.8718% | 2,843 |
| Net loans and leases to core deposits | 80.1700% | 3,185 |
| Total domestic deposits to total assets | 89.6390% | 1,050 |
| Equity capital to assets | 10.1999% | 4,203 |
| Core capital (leverage) ratio | 10.0065% | 3,531 |
| Tier 1 risk-based capital ratio | 14.5851% | 4,130 |
| Total risk-based capital ratio | 15.8522% | 4,088 |
| Memoranda: | ||
| Average total assets | $61,186,750 | 5,964 |
| Average earning assets | $56,951,750 | 5,907 |
| Average equity | $5,743,750 | 6,160 |
| Average total loans | $42,641,250 | 5,459 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2410% | 1,158 |
| Cost of funding earning assets | 1.0622% | 1,399 |
| Net interest margin | 4.1788% | 1,807 |
| Noninterest income to average assets | 0.7869% | 2,248 |
| Noninterest expense to average assets | 2.7607% | 4,178 |
| Loan and lease loss provision to assets | 0.5203% | 1,208 |
| Net operating income to assets | 1.3820% | 1,227 |
| Return on assets (ROA) | 1.3820% | 1,376 |
| Pretax return on assets | 1.3820% | 2,273 |
| Return on Equity (ROE) | 15.1497% | 909 |
| Retained earnings to average equity (ytd only) | 15.1497% | 276 |
| Net charge-offs to loans | 0.6612% | 1,667 |
| Credit loss provision to net charge-offs | 113.4752% | 2,405 |
| Earnings coverage of net charge-offs (x) | 4.1489% | 3,166 |
| Efficiency ratio | 59.2050% | 5,708 |
| Assets per employee ($millions) | 5.0550% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7989% | 946 |
| Loan loss allowance to noncurrent loans | 127.8132% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 3.6103% | 1,455 |
| Noncurrent loans to loans | 2.1898% | 2,727 |
| Net loans and leases to total assets | 68.9301% | 2,113 |
| Net loans and leases to deposits | 76.3750% | 2,934 |
| Net loans and leases to core deposits | 79.5923% | 3,270 |
| Total domestic deposits to total assets | 90.2522% | 792 |
| Equity capital to assets | 9.6109% | 4,899 |
| Core capital (leverage) ratio | 9.3718% | 4,337 |
| Tier 1 risk-based capital ratio | 13.8372% | 4,569 |
| Total risk-based capital ratio | 15.1070% | 4,528 |
| Memoranda: | ||
| Average total assets | $61,507,000 | 5,991 |
| Average earning assets | $57,050,000 | 5,943 |
| Average equity | $5,610,670 | 6,211 |
| Average total loans | $42,649,330 | 5,485 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4883% | 775 |
| Cost of funding earning assets | 1.0949% | 1,429 |
| Net interest margin | 4.3934% | 1,242 |
| Noninterest income to average assets | 0.6459% | 2,950 |
| Noninterest expense to average assets | 2.6869% | 4,471 |
| Loan and lease loss provision to assets | 0.5167% | 1,167 |
| Net operating income to assets | 1.4855% | 1,047 |
| Return on assets (ROA) | 1.4855% | 1,169 |
| Pretax return on assets | 1.4855% | 1,907 |
| Return on Equity (ROE) | 16.7242% | 710 |
| Retained earnings to average equity (ytd only) | 16.7242% | 321 |
| Net charge-offs to loans | 0.3956% | 2,116 |
| Credit loss provision to net charge-offs | 190.4762% | 1,385 |
| Earnings coverage of net charge-offs (x) | 7.3810% | 2,086 |
| Efficiency ratio | 57.3003% | 6,005 |
| Assets per employee ($millions) | 5.1467% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9932% | 836 |
| Loan loss allowance to noncurrent loans | 113.9795% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 5.3093% | 951 |
| Noncurrent loans to loans | 2.6261% | 2,477 |
| Net loans and leases to total assets | 64.1775% | 2,819 |
| Net loans and leases to deposits | 70.7470% | 3,622 |
| Net loans and leases to core deposits | 73.6564% | 3,939 |
| Total domestic deposits to total assets | 90.7141% | 682 |
| Equity capital to assets | 9.1208% | 5,330 |
| Core capital (leverage) ratio | 9.0318% | 4,786 |
| Tier 1 risk-based capital ratio | 13.8039% | 4,607 |
| Total risk-based capital ratio | 15.0756% | 4,565 |
| Memoranda: | ||
| Average total assets | $61,930,500 | 6,009 |
| Average earning assets | $56,994,000 | 5,974 |
| Average equity | $5,501,000 | 6,276 |
| Average total loans | $42,465,500 | 5,534 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1647% | 2,203 |
| Cost of funding earning assets | 1.3596% | 1,199 |
| Net interest margin | 3.8052% | 3,790 |
| Noninterest income to average assets | 0.1755% | 6,238 |
| Noninterest expense to average assets | 2.7361% | 4,601 |
| Loan and lease loss provision to assets | 1.3123% | 617 |
| Net operating income to assets | -0.4349% | 6,441 |
| Return on assets (ROA) | -0.4227% | 6,486 |
| Pretax return on assets | -0.4227% | 6,436 |
| Return on Equity (ROE) | -6.0687% | 6,586 |
| Retained earnings to average equity (ytd only) | -6.0687% | 6,513 |
| Net charge-offs to loans | 1.7726% | 838 |
| Credit loss provision to net charge-offs | 103.3654% | 3,349 |
| Earnings coverage of net charge-offs (x) | 0.6911% | 5,293 |
| Efficiency ratio | 75.7179% | 2,928 |
| Assets per employee ($millions) | 4.7770% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6888% | 1,083 |
| Loan loss allowance to noncurrent loans | 57.9179% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 7.1641% | 636 |
| Noncurrent loans to loans | 4.6424% | 1,274 |
| Net loans and leases to total assets | 69.0601% | 2,207 |
| Net loans and leases to deposits | 78.4930% | 2,759 |
| Net loans and leases to core deposits | 81.5590% | 3,241 |
| Total domestic deposits to total assets | 87.9825% | 2,171 |
| Equity capital to assets | 8.6456% | 5,962 |
| Core capital (leverage) ratio | 8.6015% | 5,396 |
| Tier 1 risk-based capital ratio | 12.4959% | 5,455 |
| Total risk-based capital ratio | 13.7655% | 5,424 |
| Memoranda: | ||
| Average total assets | $65,532,000 | 5,882 |
| Average earning assets | $59,209,200 | 5,892 |
| Average equity | $4,564,400 | 6,570 |
| Average total loans | $46,935,600 | 5,386 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2924% | 1,892 |
| Cost of funding earning assets | 1.4188% | 1,157 |
| Net interest margin | 3.8737% | 3,507 |
| Noninterest income to average assets | 0.2008% | 6,165 |
| Noninterest expense to average assets | 2.6771% | 4,816 |
| Loan and lease loss provision to assets | 1.2954% | 581 |
| Net operating income to assets | -0.2952% | 6,484 |
| Return on assets (ROA) | -0.2872% | 6,539 |
| Pretax return on assets | -0.2872% | 6,482 |
| Return on Equity (ROE) | -4.3697% | 6,646 |
| Retained earnings to average equity (ytd only) | -4.3697% | 6,544 |
| Net charge-offs to loans | 1.1332% | 1,397 |
| Credit loss provision to net charge-offs | 159.2593% | 1,940 |
| Earnings coverage of net charge-offs (x) | 1.2296% | 4,699 |
| Efficiency ratio | 72.8017% | 3,401 |
| Assets per employee ($millions) | 4.8506% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0692% | 820 |
| Loan loss allowance to noncurrent loans | 127.6965% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 5.7154% | 960 |
| Noncurrent loans to loans | 2.4035% | 2,883 |
| Net loans and leases to total assets | 69.9673% | 2,086 |
| Net loans and leases to deposits | 79.5858% | 2,706 |
| Net loans and leases to core deposits | 83.0291% | 3,189 |
| Total domestic deposits to total assets | 87.9143% | 2,083 |
| Equity capital to assets | 8.7332% | 6,048 |
| Core capital (leverage) ratio | 8.4884% | 5,728 |
| Tier 1 risk-based capital ratio | 12.3109% | 5,659 |
| Total risk-based capital ratio | 13.5853% | 5,620 |
| Memoranda: | ||
| Average total assets | $66,389,750 | 5,902 |
| Average earning assets | $59,580,250 | 5,919 |
| Average equity | $4,363,250 | 6,688 |
| Average total loans | $47,651,500 | 5,401 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1894% | 2,299 |
| Cost of funding earning assets | 1.4741% | 1,092 |
| Net interest margin | 3.7152% | 4,195 |
| Noninterest income to average assets | 0.0830% | 6,910 |
| Noninterest expense to average assets | 2.6489% | 5,011 |
| Loan and lease loss provision to assets | 1.5111% | 469 |
| Net operating income to assets | -0.7615% | 6,846 |
| Return on assets (ROA) | -0.7526% | 6,859 |
| Pretax return on assets | -0.7526% | 6,801 |
| Return on Equity (ROE) | -12.7574% | 7,007 |
| Retained earnings to average equity (ytd only) | -12.7574% | 6,968 |
| Net charge-offs to loans | 0.7733% | 1,955 |
| Credit loss provision to net charge-offs | 272.7273% | 1,111 |
| Earnings coverage of net charge-offs (x) | 1.3529% | 4,270 |
| Efficiency ratio | 77.9425% | 2,722 |
| Assets per employee ($millions) | 6.1482% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2005% | 763 |
| Loan loss allowance to noncurrent loans | 99.3289% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 6.2369% | 881 |
| Noncurrent loans to loans | 3.2221% | 2,220 |
| Net loans and leases to total assets | 66.1881% | 2,991 |
| Net loans and leases to deposits | 74.5156% | 3,715 |
| Net loans and leases to core deposits | 77.4781% | 4,122 |
| Total domestic deposits to total assets | 88.8245% | 1,653 |
| Equity capital to assets | 7.9270% | 6,730 |
| Core capital (leverage) ratio | 7.8968% | 6,415 |
| Tier 1 risk-based capital ratio | 11.2607% | 6,345 |
| Total risk-based capital ratio | 12.5334% | 6,327 |
| Memoranda: | ||
| Average total assets | $67,500,330 | 5,901 |
| Average earning assets | $60,238,330 | 5,949 |
| Average equity | $3,982,000 | 6,852 |
| Average total loans | $48,363,000 | 5,423 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 1,822 |
| Cost of funding earning assets | 1.5574% | 956 |
| Net interest margin | 3.7565% | 3,816 |
| Noninterest income to average assets | -0.2729% | 7,449 |
| Noninterest expense to average assets | 2.6218% | 5,146 |
| Loan and lease loss provision to assets | 2.4913% | 204 |
| Net operating income to assets | -2.0523% | 7,290 |
| Return on assets (ROA) | -2.0345% | 7,285 |
| Pretax return on assets | -2.0345% | 7,258 |
| Return on Equity (ROE) | -41.6705% | 7,380 |
| Retained earnings to average equity (ytd only) | -41.6705% | 7,362 |
| Net charge-offs to loans | 0.9388% | 1,427 |
| Credit loss provision to net charge-offs | 362.0690% | 903 |
| Earnings coverage of net charge-offs (x) | 0.6379% | 4,146 |
| Efficiency ratio | 85.6589% | 1,754 |
| Assets per employee ($millions) | 6.1949% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0690% | 858 |
| Loan loss allowance to noncurrent loans | 90.6890% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 6.4481% | 867 |
| Noncurrent loans to loans | 3.3841% | 2,216 |
| Net loans and leases to total assets | 67.7154% | 2,612 |
| Net loans and leases to deposits | 73.3819% | 3,863 |
| Net loans and leases to core deposits | 76.1528% | 4,282 |
| Total domestic deposits to total assets | 92.2781% | 217 |
| Equity capital to assets | 4.5771% | 7,402 |
| Core capital (leverage) ratio | 4.3911% | 7,404 |
| Tier 1 risk-based capital ratio | 6.8045% | 7,381 |
| Total risk-based capital ratio | 8.0786% | 7,387 |
| Memoranda: | ||
| Average total assets | $67,435,500 | 5,950 |
| Average earning assets | $59,843,000 | 6,001 |
| Average equity | $3,292,500 | 7,082 |
| Average total loans | $49,423,000 | 5,424 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0017% | 846 |
| Cost of funding earning assets | 2.1718% | 336 |
| Net interest margin | 3.8299% | 3,819 |
| Noninterest income to average assets | 0.1682% | 6,528 |
| Noninterest expense to average assets | 2.5838% | 5,485 |
| Loan and lease loss provision to assets | 1.2253% | 1,272 |
| Net operating income to assets | -0.3379% | 6,252 |
| Return on assets (ROA) | -0.3379% | 6,280 |
| Pretax return on assets | -0.3379% | 6,191 |
| Return on Equity (ROE) | -6.5818% | 6,533 |
| Retained earnings to average equity (ytd only) | -6.5818% | 6,433 |
| Net charge-offs to loans | 4.6745% | 214 |
| Credit loss provision to net charge-offs | 33.4098% | 6,469 |
| Earnings coverage of net charge-offs (x) | 0.2420% | 5,869 |
| Efficiency ratio | 74.4346% | 3,312 |
| Assets per employee ($millions) | 6.0661% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2580% | 1,759 |
| Loan loss allowance to noncurrent loans | 59.2725% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 5.3067% | 1,173 |
| Noncurrent loans to loans | 3.8094% | 1,938 |
| Net loans and leases to total assets | 75.0581% | 1,464 |
| Net loans and leases to deposits | 81.9772% | 2,813 |
| Net loans and leases to core deposits | 88.9118% | 2,917 |
| Total domestic deposits to total assets | 91.5596% | 384 |
| Equity capital to assets | 5.1943% | 7,422 |
| Core capital (leverage) ratio | 5.2027% | 7,396 |
| Tier 1 risk-based capital ratio | 7.0057% | 7,423 |
| Total risk-based capital ratio | 8.2684% | 7,427 |
| Memoranda: | ||
| Average total assets | $71,328,600 | 5,848 |
| Average earning assets | $61,515,800 | 5,938 |
| Average equity | $3,661,600 | 7,090 |
| Average total loans | $55,963,800 | 5,236 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0738% | 802 |
| Cost of funding earning assets | 2.3013% | 273 |
| Net interest margin | 3.7724% | 4,085 |
| Noninterest income to average assets | 0.2833% | 5,847 |
| Noninterest expense to average assets | 2.5680% | 5,435 |
| Loan and lease loss provision to assets | 1.2859% | 1,087 |
| Net operating income to assets | -0.3109% | 6,437 |
| Return on assets (ROA) | -0.3109% | 6,483 |
| Pretax return on assets | -0.3109% | 6,414 |
| Return on Equity (ROE) | -6.0728% | 6,723 |
| Retained earnings to average equity (ytd only) | -6.0728% | 6,640 |
| Net charge-offs to loans | 5.6137% | 130 |
| Credit loss provision to net charge-offs | 29.0524% | 6,166 |
| Earnings coverage of net charge-offs (x) | 0.2203% | 5,791 |
| Efficiency ratio | 72.4818% | 3,612 |
| Assets per employee ($millions) | 5.7144% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2469% | 1,702 |
| Loan loss allowance to noncurrent loans | 57.1977% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 4.9232% | 1,320 |
| Noncurrent loans to loans | 3.9284% | 1,926 |
| Net loans and leases to total assets | 75.6245% | 1,474 |
| Net loans and leases to deposits | 82.6093% | 2,981 |
| Net loans and leases to core deposits | 94.9519% | 2,392 |
| Total domestic deposits to total assets | 91.5448% | 296 |
| Equity capital to assets | 5.2543% | 7,554 |
| Core capital (leverage) ratio | 5.0163% | 7,543 |
| Tier 1 risk-based capital ratio | 7.0660% | 7,543 |
| Total risk-based capital ratio | 8.3297% | 7,546 |
| Memoranda: | ||
| Average total assets | $72,479,000 | 5,866 |
| Average earning assets | $62,628,500 | 5,970 |
| Average equity | $3,710,500 | 7,171 |
| Average total loans | $57,144,500 | 5,267 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0976% | 758 |
| Cost of funding earning assets | 2.3569% | 279 |
| Net interest margin | 3.7407% | 4,182 |
| Noninterest income to average assets | 0.2629% | 6,033 |
| Noninterest expense to average assets | 2.6701% | 5,037 |
| Loan and lease loss provision to assets | 1.0707% | 1,348 |
| Net operating income to assets | -0.2684% | 6,437 |
| Return on assets (ROA) | -0.2684% | 6,481 |
| Pretax return on assets | -0.2684% | 6,392 |
| Return on Equity (ROE) | -5.2852% | 6,719 |
| Retained earnings to average equity (ytd only) | -5.2852% | 6,586 |
| Net charge-offs to loans | 4.9018% | 212 |
| Credit loss provision to net charge-offs | 27.5453% | 5,771 |
| Earnings coverage of net charge-offs (x) | 0.2064% | 5,518 |
| Efficiency ratio | 76.8931% | 2,916 |
| Assets per employee ($millions) | 6.0685% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3268% | 629 |
| Loan loss allowance to noncurrent loans | 79.4959% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 4.0084% | 1,724 |
| Noncurrent loans to loans | 4.1848% | 1,781 |
| Net loans and leases to total assets | 74.2619% | 1,850 |
| Net loans and leases to deposits | 80.8271% | 3,462 |
| Net loans and leases to core deposits | 92.4791% | 2,921 |
| Total domestic deposits to total assets | 91.8775% | 244 |
| Equity capital to assets | 5.0466% | 7,631 |
| Core capital (leverage) ratio | 4.9120% | 7,615 |
| Tier 1 risk-based capital ratio | 7.1249% | 7,591 |
| Total risk-based capital ratio | 8.4040% | 7,595 |
| Memoranda: | ||
| Average total assets | $73,781,000 | 5,881 |
| Average earning assets | $63,304,000 | 5,976 |
| Average equity | $3,746,330 | 7,196 |
| Average total loans | $58,509,330 | 5,250 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2041% | 636 |
| Cost of funding earning assets | 2.3576% | 351 |
| Net interest margin | 3.8465% | 3,587 |
| Noninterest income to average assets | 0.1778% | 6,686 |
| Noninterest expense to average assets | 2.4939% | 5,749 |
| Loan and lease loss provision to assets | 0.8080% | 1,561 |
| Net operating income to assets | 0.2155% | 5,631 |
| Return on assets (ROA) | 0.2155% | 5,749 |
| Pretax return on assets | 0.2155% | 5,831 |
| Return on Equity (ROE) | 4.2306% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.2306% | 3,611 |
| Net charge-offs to loans | 8.2149% | 90 |
| Credit loss provision to net charge-offs | 12.2150% | 5,026 |
| Earnings coverage of net charge-offs (x) | 0.1547% | 4,895 |
| Efficiency ratio | 70.9035% | 4,133 |
| Assets per employee ($millions) | 5.6739% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1684% | 716 |
| Loan loss allowance to noncurrent loans | 126.2647% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 2.8755% | 2,509 |
| Noncurrent loans to loans | 2.5093% | 3,166 |
| Net loans and leases to total assets | 75.4925% | 1,648 |
| Net loans and leases to deposits | 82.1953% | 3,253 |
| Net loans and leases to core deposits | 94.0100% | 2,838 |
| Total domestic deposits to total assets | 91.8453% | 277 |
| Equity capital to assets | 5.1531% | 7,706 |
| Core capital (leverage) ratio | 4.9435% | 7,705 |
| Tier 1 risk-based capital ratio | 6.9585% | 7,699 |
| Total risk-based capital ratio | 8.2357% | 7,701 |
| Memoranda: | ||
| Average total assets | $74,260,500 | 5,932 |
| Average earning assets | $64,473,500 | 6,019 |
| Average equity | $3,782,000 | 7,257 |
| Average total loans | $59,794,000 | 5,259 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1391% | 1,407 |
| Cost of funding earning assets | 2.8634% | 352 |
| Net interest margin | 3.2756% | 5,837 |
| Noninterest income to average assets | -0.6591% | 7,962 |
| Noninterest expense to average assets | 2.4730% | 6,227 |
| Loan and lease loss provision to assets | 4.7877% | 222 |
| Net operating income to assets | -4.9547% | 7,744 |
| Return on assets (ROA) | -4.9547% | 7,738 |
| Pretax return on assets | -4.9547% | 7,701 |
| Return on Equity (ROE) | -75.3144% | 7,841 |
| Retained earnings to average equity (ytd only) | -75.3144% | 7,837 |
| Net charge-offs to loans | 2.6274% | 858 |
| Credit loss provision to net charge-offs | 218.7886% | 1,726 |
| Earnings coverage of net charge-offs (x) | -0.0763% | 6,308 |
| Efficiency ratio | 107.2379% | 865 |
| Assets per employee ($millions) | 6.2300% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6712% | 215 |
| Loan loss allowance to noncurrent loans | 98.3051% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 4.8395% | 1,294 |
| Noncurrent loans to loans | 4.7518% | 1,460 |
| Net loans and leases to total assets | 79.1627% | 1,151 |
| Net loans and leases to deposits | 88.6038% | 2,455 |
| Net loans and leases to core deposits | 141.7703% | 743 |
| Total domestic deposits to total assets | 89.3446% | 1,301 |
| Equity capital to assets | 5.0334% | 7,792 |
| Core capital (leverage) ratio | 4.5155% | 7,806 |
| Tier 1 risk-based capital ratio | 6.6000% | 7,785 |
| Total risk-based capital ratio | 7.8976% | 7,784 |
| Memoranda: | ||
| Average total assets | $81,479,000 | 5,687 |
| Average earning assets | $73,757,200 | 5,692 |
| Average equity | $5,360,200 | 6,817 |
| Average total loans | $67,862,400 | 4,943 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1114% | 1,606 |
| Cost of funding earning assets | 2.9140% | 435 |
| Net interest margin | 3.1975% | 6,033 |
| Noninterest income to average assets | -0.9091% | 8,072 |
| Noninterest expense to average assets | 2.3200% | 6,645 |
| Loan and lease loss provision to assets | 4.0804% | 288 |
| Net operating income to assets | -4.3979% | 7,787 |
| Return on assets (ROA) | -4.3979% | 7,788 |
| Pretax return on assets | -4.3979% | 7,742 |
| Return on Equity (ROE) | -63.4993% | 7,909 |
| Retained earnings to average equity (ytd only) | -63.4993% | 7,907 |
| Net charge-offs to loans | 2.1180% | 916 |
| Credit loss provision to net charge-offs | 231.1535% | 1,886 |
| Earnings coverage of net charge-offs (x) | -0.1798% | 6,267 |
| Efficiency ratio | 115.8527% | 658 |
| Assets per employee ($millions) | 7.4073% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3531% | 480 |
| Loan loss allowance to noncurrent loans | 81.9588% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 4.0881% | 1,550 |
| Noncurrent loans to loans | 4.0912% | 1,786 |
| Net loans and leases to total assets | 78.7432% | 1,437 |
| Net loans and leases to deposits | 88.2567% | 2,911 |
| Net loans and leases to core deposits | 158.7254% | 403 |
| Total domestic deposits to total assets | 89.2207% | 1,100 |
| Equity capital to assets | 5.6222% | 7,906 |
| Core capital (leverage) ratio | 5.5317% | 7,864 |
| Tier 1 risk-based capital ratio | 7.3018% | 7,868 |
| Total risk-based capital ratio | 8.5815% | 7,867 |
| Memoranda: | ||
| Average total assets | $83,158,750 | 5,648 |
| Average earning assets | $75,724,750 | 5,642 |
| Average equity | $5,759,500 | 6,753 |
| Average total loans | $69,307,500 | 4,939 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1855% | 1,505 |
| Cost of funding earning assets | 2.9775% | 504 |
| Net interest margin | 3.2079% | 5,887 |
| Noninterest income to average assets | -1.4549% | 8,170 |
| Noninterest expense to average assets | 2.1333% | 7,203 |
| Loan and lease loss provision to assets | 6.0202% | 136 |
| Net operating income to assets | -6.6485% | 8,031 |
| Return on assets (ROA) | -6.6485% | 8,024 |
| Pretax return on assets | -6.6485% | 8,000 |
| Return on Equity (ROE) | -90.4698% | 8,062 |
| Retained earnings to average equity (ytd only) | -90.4698% | 8,060 |
| Net charge-offs to loans | 0.7854% | 2,108 |
| Credit loss provision to net charge-offs | 913.0435% | 529 |
| Earnings coverage of net charge-offs (x) | -0.9529% | 6,221 |
| Efficiency ratio | 141.7460% | 417 |
| Assets per employee ($millions) | 5.3196% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4052% | 185 |
| Loan loss allowance to noncurrent loans | 162.7757% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 3.1105% | 2,022 |
| Noncurrent loans to loans | 2.7063% | 2,662 |
| Net loans and leases to total assets | 82.2932% | 901 |
| Net loans and leases to deposits | 92.3545% | 2,403 |
| Net loans and leases to core deposits | 167.1844% | 356 |
| Total domestic deposits to total assets | 89.1057% | 1,214 |
| Equity capital to assets | 5.6170% | 7,987 |
| Core capital (leverage) ratio | 5.3085% | 8,000 |
| Tier 1 risk-based capital ratio | 7.1223% | 7,997 |
| Total risk-based capital ratio | 8.4170% | 7,999 |
| Memoranda: | ||
| Average total assets | $83,718,330 | 5,668 |
| Average earning assets | $77,245,670 | 5,621 |
| Average equity | $6,152,330 | 6,666 |
| Average total loans | $70,281,330 | 4,949 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2072% | 1,575 |
| Cost of funding earning assets | 3.0633% | 504 |
| Net interest margin | 3.1439% | 6,046 |
| Noninterest income to average assets | 0.3922% | 5,277 |
| Noninterest expense to average assets | 2.0355% | 7,268 |
| Loan and lease loss provision to assets | 0.5836% | 2,157 |
| Net operating income to assets | 0.6863% | 3,627 |
| Return on assets (ROA) | 0.6863% | 3,808 |
| Pretax return on assets | 0.6863% | 4,479 |
| Return on Equity (ROE) | 8.4150% | 2,959 |
| Retained earnings to average equity (ytd only) | 8.4150% | 1,658 |
| Net charge-offs to loans | 0.5290% | 2,132 |
| Credit loss provision to net charge-offs | 132.9787% | 3,041 |
| Earnings coverage of net charge-offs (x) | 2.8936% | 3,344 |
| Efficiency ratio | 61.5819% | 6,134 |
| Assets per employee ($millions) | 5.0021% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 4,945 |
| Loan loss allowance to noncurrent loans | 41.5008% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 3.1610% | 1,769 |
| Noncurrent loans to loans | 2.8382% | 2,306 |
| Net loans and leases to total assets | 80.2131% | 1,341 |
| Net loans and leases to deposits | 93.9105% | 2,282 |
| Net loans and leases to core deposits | 167.3906% | 390 |
| Total domestic deposits to total assets | 85.4144% | 3,009 |
| Equity capital to assets | 8.4353% | 6,175 |
| Core capital (leverage) ratio | 8.3948% | 5,722 |
| Tier 1 risk-based capital ratio | 10.6776% | 6,211 |
| Total risk-based capital ratio | 11.8939% | 6,163 |
| Memoranda: | ||
| Average total assets | $85,680,500 | 5,619 |
| Average earning assets | $79,392,000 | 5,570 |
| Average equity | $6,987,500 | 6,417 |
| Average total loans | $71,076,500 | 4,942 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8127% | 1,636 |
| Cost of funding earning assets | 3.4329% | 643 |
| Net interest margin | 3.3799% | 5,742 |
| Noninterest income to average assets | 0.3809% | 5,636 |
| Noninterest expense to average assets | 2.2031% | 6,956 |
| Loan and lease loss provision to assets | 0.4015% | 3,277 |
| Net operating income to assets | 0.9780% | 2,645 |
| Return on assets (ROA) | 0.9780% | 2,525 |
| Pretax return on assets | 0.9780% | 3,455 |
| Return on Equity (ROE) | 12.0428% | 1,579 |
| Retained earnings to average equity (ytd only) | 4.2784% | 2,456 |
| Net charge-offs to loans | 0.3168% | 3,273 |
| Credit loss provision to net charge-offs | 152.9412% | 3,420 |
| Earnings coverage of net charge-offs (x) | 5.2549% | 3,714 |
| Efficiency ratio | 61.4943% | 6,049 |
| Assets per employee ($millions) | 6.6404% | 833 |
| Cash dividends to net income (ytd only)* | 64.4737% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 5,487 |
| Loan loss allowance to noncurrent loans | 36.8520% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 3.1219% | 1,467 |
| Noncurrent loans to loans | 2.9017% | 1,855 |
| Net loans and leases to total assets | 83.8089% | 920 |
| Net loans and leases to deposits | 100.4052% | 1,799 |
| Net loans and leases to core deposits | 180.5495% | 279 |
| Total domestic deposits to total assets | 83.4706% | 3,582 |
| Equity capital to assets | 7.8795% | 6,997 |
| Core capital (leverage) ratio | 7.7000% | 6,929 |
| Tier 1 risk-based capital ratio | 9.6097% | 7,196 |
| Total risk-based capital ratio | 10.7248% | 7,253 |
| Memoranda: | ||
| Average total assets | $77,709,200 | 5,778 |
| Average earning assets | $73,612,200 | 5,682 |
| Average equity | $6,310,800 | 6,698 |
| Average total loans | $64,390,200 | 5,082 |