Home > The Granville National Bank > Performance and Condition Ratios
The Granville National 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 | 3.1506% | 4,494 |
| Cost of funding earning assets | 0.7397% | 3,867 |
| Net interest margin | 2.4108% | 4,176 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.8494% | 3,917 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.5502% | 3,564 |
| Return on assets (ROA) | 0.5502% | 3,553 |
| Pretax return on assets | 0.6369% | 3,571 |
| Return on Equity (ROE) | 7.0500% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.8068% | 3,029 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.9790% | 1,465 |
| Assets per employee ($millions) | 6.6907% | 2,276 |
| Cash dividends to net income (ytd only)* | 45.9770% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,174 |
| Loan loss allowance to noncurrent loans | 334.3137% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 2,336 |
| Noncurrent loans to loans | 0.4366% | 1,687 |
| Net loans and leases to total assets | 40.4800% | 4,025 |
| Net loans and leases to deposits | 45.6942% | 4,060 |
| Net loans and leases to core deposits | 46.4300% | 4,148 |
| Total domestic deposits to total assets | 88.6000% | 1,181 |
| Equity capital to assets | 8.4032% | 3,117 |
| Core capital (leverage) ratio | 10.4136% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $110,684,600 | 3,737 |
| Average earning assets | $104,902,000 | 3,695 |
| Average equity | $8,642,400 | 3,863 |
| Average total loans | $43,034,600 | 3,947 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0779% | 4,513 |
| Cost of funding earning assets | 0.6624% | 3,842 |
| Net interest margin | 2.4156% | 4,212 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.8898% | 3,821 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5192% | 3,723 |
| Return on assets (ROA) | 0.5192% | 3,709 |
| Pretax return on assets | 0.5895% | 3,755 |
| Return on Equity (ROE) | 6.7800% | 3,489 |
| Retained earnings to average equity (ytd only) | 3.4547% | 3,396 |
| Net charge-offs to loans | 0.0032% | 2,406 |
| Credit loss provision to net charge-offs | 1,000.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 496.0000% | 309 |
| Efficiency ratio | 75.8520% | 1,184 |
| Assets per employee ($millions) | 6.8120% | 2,097 |
| Cash dividends to net income (ytd only)* | 49.0654% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 1,078 |
| Loan loss allowance to noncurrent loans | 333.0049% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 2,351 |
| Noncurrent loans to loans | 0.4541% | 1,688 |
| Net loans and leases to total assets | 40.4000% | 4,039 |
| Net loans and leases to deposits | 44.0178% | 4,102 |
| Net loans and leases to core deposits | 44.5680% | 4,163 |
| Total domestic deposits to total assets | 91.7800% | 499 |
| Equity capital to assets | 7.4097% | 3,408 |
| Core capital (leverage) ratio | 10.3903% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $109,920,250 | 3,757 |
| Average earning assets | $104,266,250 | 3,720 |
| Average equity | $8,413,500 | 3,890 |
| Average total loans | $42,111,000 | 3,973 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9760% | 4,552 |
| Cost of funding earning assets | 0.5780% | 3,811 |
| Net interest margin | 2.3980% | 4,300 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.8670% | 3,883 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5207% | 3,767 |
| Return on assets (ROA) | 0.5207% | 3,775 |
| Pretax return on assets | 0.5933% | 3,815 |
| Return on Equity (ROE) | 6.7300% | 3,534 |
| Retained earnings to average equity (ytd only) | 3.4483% | 3,366 |
| Net charge-offs to loans | 0.0048% | 2,100 |
| Credit loss provision to net charge-offs | 300.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 330.0000% | 421 |
| Efficiency ratio | 75.7174% | 1,199 |
| Assets per employee ($millions) | 6.1016% | 2,625 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 954 |
| Loan loss allowance to noncurrent loans | 106.0222% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 942 |
| Noncurrent loans to loans | 1.4999% | 442 |
| Net loans and leases to total assets | 37.7000% | 4,127 |
| Net loans and leases to deposits | 41.0333% | 4,187 |
| Net loans and leases to core deposits | 41.5523% | 4,227 |
| Total domestic deposits to total assets | 91.8700% | 441 |
| Equity capital to assets | 7.7967% | 3,353 |
| Core capital (leverage) ratio | 10.2023% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $110,229,667 | 3,768 |
| Average earning assets | $104,502,333 | 3,732 |
| Average equity | $8,526,000 | 3,899 |
| Average total loans | $41,245,667 | 3,994 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8523% | 4,591 |
| Cost of funding earning assets | 0.4671% | 3,785 |
| Net interest margin | 2.3851% | 4,391 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.9306% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4781% | 3,949 |
| Return on assets (ROA) | 0.4781% | 3,907 |
| Pretax return on assets | 0.5325% | 3,946 |
| Return on Equity (ROE) | 6.2100% | 3,674 |
| Retained earnings to average equity (ytd only) | 2.9151% | 3,526 |
| Net charge-offs to loans | 0.0196% | 1,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 932 |
| Efficiency ratio | 78.3824% | 968 |
| Assets per employee ($millions) | 6.9600% | 2,005 |
| Cash dividends to net income (ytd only)* | 53.0303% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 901 |
| Loan loss allowance to noncurrent loans | 101.3720% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 872 |
| Noncurrent loans to loans | 1.6316% | 392 |
| Net loans and leases to total assets | 35.5100% | 4,208 |
| Net loans and leases to deposits | 38.7296% | 4,260 |
| Net loans and leases to core deposits | 39.1724% | 4,290 |
| Total domestic deposits to total assets | 91.6800% | 595 |
| Equity capital to assets | 7.9337% | 3,284 |
| Core capital (leverage) ratio | 10.2019% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $110,430,000 | 3,819 |
| Average earning assets | $105,319,500 | 3,771 |
| Average equity | $8,507,500 | 3,949 |
| Average total loans | $40,833,500 | 4,055 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6821% | 4,414 |
| Cost of funding earning assets | 0.1353% | 4,204 |
| Net interest margin | 2.5467% | 4,241 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.7509% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7305% | 3,531 |
| Return on assets (ROA) | 0.7305% | 3,476 |
| Pretax return on assets | 0.9136% | 3,317 |
| Return on Equity (ROE) | 8.8800% | 3,158 |
| Retained earnings to average equity (ytd only) | 6.0405% | 2,633 |
| Net charge-offs to loans | -0.0075% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.7124% | 2,267 |
| Assets per employee ($millions) | 6.4412% | 2,387 |
| Cash dividends to net income (ytd only)* | 31.9410% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 962 |
| Loan loss allowance to noncurrent loans | 580.0000% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 2,792 |
| Noncurrent loans to loans | 0.2774% | 2,162 |
| Net loans and leases to total assets | 37.2500% | 4,169 |
| Net loans and leases to deposits | 41.4818% | 4,200 |
| Net loans and leases to core deposits | 41.6151% | 4,241 |
| Total domestic deposits to total assets | 89.8100% | 1,442 |
| Equity capital to assets | 7.4703% | 3,401 |
| Core capital (leverage) ratio | 10.1777% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $111,430,200 | 3,815 |
| Average earning assets | $105,665,000 | 3,778 |
| Average equity | $9,171,400 | 3,973 |
| Average total loans | $39,927,600 | 4,065 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6148% | 4,381 |
| Cost of funding earning assets | 0.1158% | 4,153 |
| Net interest margin | 2.4991% | 4,209 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.7299% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6850% | 3,604 |
| Return on assets (ROA) | 0.6850% | 3,567 |
| Pretax return on assets | 0.8506% | 3,472 |
| Return on Equity (ROE) | 8.1400% | 3,285 |
| Retained earnings to average equity (ytd only) | 5.3789% | 2,962 |
| Net charge-offs to loans | -0.0101% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.0360% | 2,149 |
| Assets per employee ($millions) | 6.8995% | 2,020 |
| Cash dividends to net income (ytd only)* | 33.9130% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 958 |
| Loan loss allowance to noncurrent loans | 517.0543% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 2,799 |
| Noncurrent loans to loans | 0.3198% | 2,095 |
| Net loans and leases to total assets | 35.9300% | 4,231 |
| Net loans and leases to deposits | 38.6797% | 4,287 |
| Net loans and leases to core deposits | 39.1729% | 4,304 |
| Total domestic deposits to total assets | 92.9000% | 608 |
| Equity capital to assets | 6.7740% | 3,626 |
| Core capital (leverage) ratio | 9.7420% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $111,912,750 | 3,837 |
| Average earning assets | $105,957,500 | 3,794 |
| Average equity | $9,419,250 | 3,988 |
| Average total loans | $39,544,250 | 4,089 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5577% | 4,322 |
| Cost of funding earning assets | 0.1167% | 4,001 |
| Net interest margin | 2.4410% | 4,176 |
| Noninterest income to average assets | 0.1726% | 4,142 |
| Noninterest expense to average assets | 1.7915% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5729% | 3,698 |
| Return on assets (ROA) | 0.5729% | 3,648 |
| Pretax return on assets | 0.6885% | 3,605 |
| Return on Equity (ROE) | 6.3976% | 3,473 |
| Retained earnings to average equity (ytd only) | 3.8147% | 3,152 |
| Net charge-offs to loans | -0.0102% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2382% | 1,712 |
| Assets per employee ($millions) | 8.0449% | 1,276 |
| Cash dividends to net income (ytd only)* | 40.3727% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 1,027 |
| Loan loss allowance to noncurrent loans | 508.3969% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 2,584 |
| Noncurrent loans to loans | 0.3271% | 2,167 |
| Net loans and leases to total assets | 34.9638% | 4,293 |
| Net loans and leases to deposits | 38.0576% | 4,332 |
| Net loans and leases to core deposits | 38.6353% | 4,363 |
| Total domestic deposits to total assets | 91.8706% | 892 |
| Equity capital to assets | 7.7956% | 3,272 |
| Core capital (leverage) ratio | 9.5309% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,419,667 | 3,872 |
| Average earning assets | $106,267,667 | 3,845 |
| Average equity | $10,066,333 | 3,979 |
| Average total loans | $39,280,667 | 4,151 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4034% | 4,378 |
| Cost of funding earning assets | 0.1171% | 3,927 |
| Net interest margin | 2.2863% | 4,255 |
| Noninterest income to average assets | 0.1175% | 4,419 |
| Noninterest expense to average assets | 1.8484% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3882% | 3,976 |
| Return on assets (ROA) | 0.3882% | 3,942 |
| Pretax return on assets | 0.4238% | 3,997 |
| Return on Equity (ROE) | 4.0712% | 3,860 |
| Retained earnings to average equity (ytd only) | 1.6434% | 3,645 |
| Net charge-offs to loans | -0.0103% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3480% | 1,040 |
| Assets per employee ($millions) | 7.0846% | 1,933 |
| Cash dividends to net income (ytd only)* | 59.6330% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 995 |
| Loan loss allowance to noncurrent loans | 488.9706% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,651 |
| Noncurrent loans to loans | 0.3545% | 2,209 |
| Net loans and leases to total assets | 33.2545% | 4,330 |
| Net loans and leases to deposits | 36.5308% | 4,368 |
| Net loans and leases to core deposits | 37.1672% | 4,396 |
| Total domestic deposits to total assets | 91.0316% | 1,018 |
| Equity capital to assets | 8.5018% | 3,162 |
| Core capital (leverage) ratio | 9.3381% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,315,500 | 3,890 |
| Average earning assets | $105,848,500 | 3,859 |
| Average equity | $10,709,500 | 3,982 |
| Average total loans | $38,898,500 | 4,175 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4912% | 4,483 |
| Cost of funding earning assets | 0.1558% | 3,910 |
| Net interest margin | 2.3354% | 4,386 |
| Noninterest income to average assets | 0.3657% | 3,242 |
| Noninterest expense to average assets | 1.6696% | 4,337 |
| Loan and lease loss provision to assets | 0.0492% | 2,073 |
| Net operating income to assets | 0.6748% | 3,684 |
| Return on assets (ROA) | 0.6748% | 3,736 |
| Pretax return on assets | 0.8198% | 3,683 |
| Return on Equity (ROE) | 6.1899% | 3,729 |
| Retained earnings to average equity (ytd only) | 4.2493% | 3,110 |
| Net charge-offs to loans | 0.0102% | 2,172 |
| Credit loss provision to net charge-offs | 1,350.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 238.2500% | 483 |
| Efficiency ratio | 65.7687% | 2,290 |
| Assets per employee ($millions) | 9.2732% | 845 |
| Cash dividends to net income (ytd only)* | 31.3514% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 1,082 |
| Loan loss allowance to noncurrent loans | 388.3041% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 2,330 |
| Noncurrent loans to loans | 0.4336% | 2,055 |
| Net loans and leases to total assets | 34.8434% | 4,340 |
| Net loans and leases to deposits | 39.1662% | 4,363 |
| Net loans and leases to core deposits | 39.8772% | 4,393 |
| Total domestic deposits to total assets | 88.9628% | 1,534 |
| Equity capital to assets | 10.5879% | 2,098 |
| Core capital (leverage) ratio | 9.3761% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,667,400 | 3,895 |
| Average earning assets | $102,039,400 | 3,888 |
| Average equity | $11,955,000 | 3,933 |
| Average total loans | $39,106,000 | 4,213 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4941% | 4,573 |
| Cost of funding earning assets | 0.1657% | 3,963 |
| Net interest margin | 2.3284% | 4,464 |
| Noninterest income to average assets | 0.4161% | 3,002 |
| Noninterest expense to average assets | 1.6376% | 4,418 |
| Loan and lease loss provision to assets | 0.0586% | 1,819 |
| Net operating income to assets | 0.7187% | 3,724 |
| Return on assets (ROA) | 0.7187% | 3,786 |
| Pretax return on assets | 0.8798% | 3,738 |
| Return on Equity (ROE) | 6.5452% | 3,785 |
| Retained earnings to average equity (ytd only) | 4.6117% | 3,367 |
| Net charge-offs to loans | 0.0171% | 1,717 |
| Credit loss provision to net charge-offs | 960.0000% | 522 |
| Earnings coverage of net charge-offs (x) | 153.8000% | 670 |
| Efficiency ratio | 63.5718% | 2,454 |
| Assets per employee ($millions) | 8.6010% | 1,011 |
| Cash dividends to net income (ytd only)* | 29.5416% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 1,109 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 2,715 |
| Noncurrent loans to loans | 0.3773% | 2,426 |
| Net loans and leases to total assets | 34.0166% | 4,466 |
| Net loans and leases to deposits | 38.3564% | 4,509 |
| Net loans and leases to core deposits | 39.0507% | 4,541 |
| Total domestic deposits to total assets | 88.6856% | 1,471 |
| Equity capital to assets | 10.7608% | 2,208 |
| Core capital (leverage) ratio | 9.3544% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,264,750 | 3,946 |
| Average earning assets | $101,356,250 | 3,941 |
| Average equity | $11,998,250 | 3,985 |
| Average total loans | $39,023,250 | 4,276 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5280% | 4,597 |
| Cost of funding earning assets | 0.1823% | 3,926 |
| Net interest margin | 2.3458% | 4,468 |
| Noninterest income to average assets | 0.5184% | 2,540 |
| Noninterest expense to average assets | 1.6750% | 4,397 |
| Loan and lease loss provision to assets | 0.0664% | 1,715 |
| Net operating income to assets | 0.7619% | 3,610 |
| Return on assets (ROA) | 0.7619% | 3,676 |
| Pretax return on assets | 0.9371% | 3,578 |
| Return on Equity (ROE) | 6.8908% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.9554% | 3,200 |
| Net charge-offs to loans | 0.0256% | 1,435 |
| Credit loss provision to net charge-offs | 720.0000% | 569 |
| Earnings coverage of net charge-offs (x) | 108.8000% | 713 |
| Efficiency ratio | 62.5344% | 2,658 |
| Assets per employee ($millions) | 9.2354% | 792 |
| Cash dividends to net income (ytd only)* | 28.0872% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 1,183 |
| Loan loss allowance to noncurrent loans | 317.7340% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 2,600 |
| Noncurrent loans to loans | 0.5175% | 2,122 |
| Net loans and leases to total assets | 34.8162% | 4,507 |
| Net loans and leases to deposits | 39.2775% | 4,538 |
| Net loans and leases to core deposits | 39.9940% | 4,583 |
| Total domestic deposits to total assets | 88.6416% | 1,480 |
| Equity capital to assets | 10.8143% | 2,135 |
| Core capital (leverage) ratio | 9.3561% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,415,333 | 3,976 |
| Average earning assets | $99,840,000 | 3,976 |
| Average equity | $11,987,000 | 3,988 |
| Average total loans | $39,133,667 | 4,300 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5719% | 4,593 |
| Cost of funding earning assets | 0.2000% | 3,913 |
| Net interest margin | 2.3719% | 4,443 |
| Noninterest income to average assets | 0.5410% | 2,435 |
| Noninterest expense to average assets | 1.6081% | 4,519 |
| Loan and lease loss provision to assets | 0.0672% | 1,809 |
| Net operating income to assets | 0.8320% | 3,326 |
| Return on assets (ROA) | 0.8320% | 3,405 |
| Pretax return on assets | 1.0335% | 3,283 |
| Return on Equity (ROE) | 7.4408% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.5055% | 3,059 |
| Net charge-offs to loans | 0.0614% | 915 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 49.1667% | 911 |
| Efficiency ratio | 59.3664% | 3,103 |
| Assets per employee ($millions) | 10.9841% | 450 |
| Cash dividends to net income (ytd only)* | 26.0090% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 1,334 |
| Loan loss allowance to noncurrent loans | 340.2174% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 2,880 |
| Noncurrent loans to loans | 0.4661% | 2,459 |
| Net loans and leases to total assets | 35.3729% | 4,536 |
| Net loans and leases to deposits | 39.9071% | 4,570 |
| Net loans and leases to core deposits | 40.6291% | 4,603 |
| Total domestic deposits to total assets | 88.6381% | 1,540 |
| Equity capital to assets | 10.7756% | 2,027 |
| Core capital (leverage) ratio | 9.5031% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,210,500 | 3,997 |
| Average earning assets | $97,981,500 | 4,001 |
| Average equity | $11,988,000 | 4,001 |
| Average total loans | $39,085,500 | 4,323 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8679% | 4,719 |
| Cost of funding earning assets | 0.3055% | 4,107 |
| Net interest margin | 2.5624% | 4,533 |
| Noninterest income to average assets | 0.3117% | 3,610 |
| Noninterest expense to average assets | 1.9128% | 4,302 |
| Loan and lease loss provision to assets | 0.0858% | 3,294 |
| Net operating income to assets | 0.5916% | 3,783 |
| Return on assets (ROA) | 0.5916% | 3,889 |
| Pretax return on assets | 0.6958% | 3,889 |
| Return on Equity (ROE) | 4.9866% | 3,911 |
| Retained earnings to average equity (ytd only) | 3.0918% | 3,303 |
| Net charge-offs to loans | 0.0208% | 2,647 |
| Credit loss provision to net charge-offs | 1,050.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 95.6250% | 807 |
| Efficiency ratio | 70.9898% | 1,811 |
| Assets per employee ($millions) | 7.4700% | 1,300 |
| Cash dividends to net income (ytd only)* | 37.9965% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 1,330 |
| Loan loss allowance to noncurrent loans | 333.6957% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 2,850 |
| Noncurrent loans to loans | 0.4756% | 2,547 |
| Net loans and leases to total assets | 36.4094% | 4,579 |
| Net loans and leases to deposits | 41.5112% | 4,615 |
| Net loans and leases to core deposits | 42.1770% | 4,647 |
| Total domestic deposits to total assets | 87.7099% | 1,608 |
| Equity capital to assets | 11.6083% | 1,804 |
| Core capital (leverage) ratio | 9.7609% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,866,000 | 4,030 |
| Average earning assets | $91,007,000 | 4,013 |
| Average equity | $11,611,200 | 4,017 |
| Average total loans | $38,483,400 | 4,338 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9135% | 4,788 |
| Cost of funding earning assets | 0.3237% | 4,197 |
| Net interest margin | 2.5898% | 4,578 |
| Noninterest income to average assets | 0.3410% | 3,435 |
| Noninterest expense to average assets | 1.9697% | 4,214 |
| Loan and lease loss provision to assets | 0.0873% | 3,219 |
| Net operating income to assets | 0.5960% | 3,779 |
| Return on assets (ROA) | 0.5960% | 3,878 |
| Pretax return on assets | 0.7014% | 3,896 |
| Return on Equity (ROE) | 4.9945% | 3,899 |
| Retained earnings to average equity (ytd only) | 3.0780% | 3,488 |
| Net charge-offs to loans | -0.0278% | 4,500 |
| Credit loss provision to net charge-offs | -787.5000% | 3,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4070% | 1,708 |
| Assets per employee ($millions) | 7.7984% | 1,076 |
| Cash dividends to net income (ytd only)* | 38.3721% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 1,177 |
| Loan loss allowance to noncurrent loans | 284.5794% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 2,946 |
| Noncurrent loans to loans | 0.5527% | 2,411 |
| Net loans and leases to total assets | 37.5946% | 4,624 |
| Net loans and leases to deposits | 43.0232% | 4,683 |
| Net loans and leases to core deposits | 43.6066% | 4,717 |
| Total domestic deposits to total assets | 87.3820% | 1,507 |
| Equity capital to assets | 11.9384% | 1,715 |
| Core capital (leverage) ratio | 9.8715% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,187,500 | 4,041 |
| Average earning assets | $89,785,750 | 4,026 |
| Average equity | $11,479,000 | 4,041 |
| Average total loans | $38,431,500 | 4,367 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9755% | 4,853 |
| Cost of funding earning assets | 0.3394% | 4,316 |
| Net interest margin | 2.6361% | 4,620 |
| Noninterest income to average assets | 0.2795% | 3,793 |
| Noninterest expense to average assets | 2.0856% | 4,062 |
| Loan and lease loss provision to assets | 0.0889% | 3,161 |
| Net operating income to assets | 0.5124% | 3,981 |
| Return on assets (ROA) | 0.5124% | 4,061 |
| Pretax return on assets | 0.5717% | 4,117 |
| Return on Equity (ROE) | 4.2942% | 4,024 |
| Retained earnings to average equity (ytd only) | 2.3423% | 3,626 |
| Net charge-offs to loans | -0.0417% | 4,632 |
| Credit loss provision to net charge-offs | -525.0000% | 3,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9445% | 1,272 |
| Assets per employee ($millions) | 6.6857% | 1,648 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 1,226 |
| Loan loss allowance to noncurrent loans | 207.0423% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 2,800 |
| Noncurrent loans to loans | 0.7307% | 2,049 |
| Net loans and leases to total assets | 38.1678% | 4,661 |
| Net loans and leases to deposits | 43.6444% | 4,709 |
| Net loans and leases to core deposits | 44.2401% | 4,750 |
| Total domestic deposits to total assets | 87.4519% | 1,431 |
| Equity capital to assets | 11.8880% | 1,734 |
| Core capital (leverage) ratio | 10.0927% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,457,000 | 4,061 |
| Average earning assets | $88,388,667 | 4,049 |
| Average equity | $11,271,000 | 4,071 |
| Average total loans | $38,334,667 | 4,377 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0287% | 4,944 |
| Cost of funding earning assets | 0.3417% | 4,545 |
| Net interest margin | 2.6871% | 4,676 |
| Noninterest income to average assets | 0.2753% | 3,880 |
| Noninterest expense to average assets | 2.0755% | 4,270 |
| Loan and lease loss provision to assets | 0.0918% | 2,540 |
| Net operating income to assets | 0.5593% | 3,712 |
| Return on assets (ROA) | 0.5593% | 3,777 |
| Pretax return on assets | 0.6511% | 3,807 |
| Return on Equity (ROE) | 4.6777% | 3,756 |
| Retained earnings to average equity (ytd only) | 2.6678% | 3,204 |
| Net charge-offs to loans | -0.0735% | 4,747 |
| Credit loss provision to net charge-offs | -300.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6434% | 1,865 |
| Assets per employee ($millions) | 6.6239% | 1,279 |
| Cash dividends to net income (ytd only)* | 42.9688% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 1,369 |
| Loan loss allowance to noncurrent loans | 146.6321% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 2,449 |
| Noncurrent loans to loans | 1.0185% | 1,626 |
| Net loans and leases to total assets | 40.2577% | 4,656 |
| Net loans and leases to deposits | 45.9517% | 4,726 |
| Net loans and leases to core deposits | 46.6121% | 4,758 |
| Total domestic deposits to total assets | 87.6088% | 1,269 |
| Equity capital to assets | 11.9372% | 2,118 |
| Core capital (leverage) ratio | 10.6255% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,542,500 | 4,096 |
| Average earning assets | $86,637,000 | 4,070 |
| Average equity | $10,945,500 | 4,125 |
| Average total loans | $38,069,500 | 4,411 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1005% | 5,030 |
| Cost of funding earning assets | 0.3315% | 4,651 |
| Net interest margin | 2.7690% | 4,779 |
| Noninterest income to average assets | 0.2908% | 3,950 |
| Noninterest expense to average assets | 2.0616% | 4,421 |
| Loan and lease loss provision to assets | 0.0950% | 2,133 |
| Net operating income to assets | 0.6676% | 3,960 |
| Return on assets (ROA) | 0.6676% | 4,036 |
| Pretax return on assets | 0.7524% | 4,075 |
| Return on Equity (ROE) | 5.7054% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.7230% | 3,126 |
| Net charge-offs to loans | 0.1960% | 1,035 |
| Credit loss provision to net charge-offs | 113.5135% | 2,217 |
| Earnings coverage of net charge-offs (x) | 10.1216% | 2,599 |
| Efficiency ratio | 70.8674% | 2,039 |
| Assets per employee ($millions) | 6.0233% | 1,617 |
| Cash dividends to net income (ytd only)* | 34.7458% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,502 |
| Loan loss allowance to noncurrent loans | 265.0246% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 3,111 |
| Noncurrent loans to loans | 0.5309% | 2,590 |
| Net loans and leases to total assets | 41.7288% | 4,683 |
| Net loans and leases to deposits | 47.6228% | 4,750 |
| Net loans and leases to core deposits | 48.3216% | 4,783 |
| Total domestic deposits to total assets | 87.6237% | 1,304 |
| Equity capital to assets | 11.9768% | 2,148 |
| Core capital (leverage) ratio | 10.8708% | 2,619 |
| Tier 1 risk-based capital ratio | 26.7283% | 637 |
| Total risk-based capital ratio | 27.9855% | 620 |
| Memoranda: | ||
| Average total assets | $88,378,600 | 4,167 |
| Average earning assets | $83,567,800 | 4,131 |
| Average equity | $10,341,000 | 4,194 |
| Average total loans | $37,762,600 | 4,458 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0978% | 5,124 |
| Cost of funding earning assets | 0.3258% | 4,733 |
| Net interest margin | 2.7719% | 4,878 |
| Noninterest income to average assets | 0.2958% | 3,968 |
| Noninterest expense to average assets | 2.0632% | 4,426 |
| Loan and lease loss provision to assets | 0.0956% | 2,003 |
| Net operating income to assets | 0.6675% | 4,114 |
| Return on assets (ROA) | 0.6675% | 4,174 |
| Pretax return on assets | 0.7570% | 4,222 |
| Return on Equity (ROE) | 5.7397% | 4,117 |
| Retained earnings to average equity (ytd only) | 3.7177% | 3,539 |
| Net charge-offs to loans | 0.2196% | 809 |
| Credit loss provision to net charge-offs | 101.6129% | 2,220 |
| Earnings coverage of net charge-offs (x) | 9.0650% | 2,600 |
| Efficiency ratio | 70.7596% | 2,008 |
| Assets per employee ($millions) | 5.9149% | 1,663 |
| Cash dividends to net income (ytd only)* | 35.2271% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,459 |
| Loan loss allowance to noncurrent loans | 254.3269% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 3,107 |
| Noncurrent loans to loans | 0.5628% | 2,614 |
| Net loans and leases to total assets | 41.0615% | 4,779 |
| Net loans and leases to deposits | 46.9999% | 4,842 |
| Net loans and leases to core deposits | 47.7020% | 4,881 |
| Total domestic deposits to total assets | 87.3652% | 1,334 |
| Equity capital to assets | 12.1355% | 2,157 |
| Core capital (leverage) ratio | 10.9385% | 2,704 |
| Tier 1 risk-based capital ratio | 26.9939% | 641 |
| Total risk-based capital ratio | 28.2457% | 627 |
| Memoranda: | ||
| Average total assets | $87,885,750 | 4,228 |
| Average earning assets | $83,068,750 | 4,192 |
| Average equity | $10,221,000 | 4,256 |
| Average total loans | $37,643,250 | 4,518 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1006% | 5,184 |
| Cost of funding earning assets | 0.3137% | 4,792 |
| Net interest margin | 2.7869% | 4,942 |
| Noninterest income to average assets | 0.2876% | 4,017 |
| Noninterest expense to average assets | 2.0592% | 4,496 |
| Loan and lease loss provision to assets | 0.0959% | 1,936 |
| Net operating income to assets | 0.6643% | 4,117 |
| Return on assets (ROA) | 0.6643% | 4,172 |
| Pretax return on assets | 0.7693% | 4,168 |
| Return on Equity (ROE) | 5.7974% | 4,116 |
| Retained earnings to average equity (ytd only) | 3.7055% | 3,408 |
| Net charge-offs to loans | 0.3380% | 506 |
| Credit loss provision to net charge-offs | 65.6250% | 2,359 |
| Earnings coverage of net charge-offs (x) | 5.9219% | 2,607 |
| Efficiency ratio | 70.4137% | 2,165 |
| Assets per employee ($millions) | 5.1426% | 2,314 |
| Cash dividends to net income (ytd only)* | 36.0825% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 1,807 |
| Loan loss allowance to noncurrent loans | 258.1633% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 3,170 |
| Noncurrent loans to loans | 0.5234% | 2,708 |
| Net loans and leases to total assets | 42.2584% | 4,772 |
| Net loans and leases to deposits | 48.2657% | 4,840 |
| Net loans and leases to core deposits | 48.8316% | 4,891 |
| Total domestic deposits to total assets | 87.5538% | 1,313 |
| Equity capital to assets | 12.0310% | 2,160 |
| Core capital (leverage) ratio | 10.9049% | 2,687 |
| Tier 1 risk-based capital ratio | 26.9657% | 624 |
| Total risk-based capital ratio | 28.2238% | 610 |
| Memoranda: | ||
| Average total assets | $87,606,670 | 4,256 |
| Average earning assets | $82,886,330 | 4,221 |
| Average equity | $10,039,000 | 4,296 |
| Average total loans | $37,871,000 | 4,546 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0519% | 5,259 |
| Cost of funding earning assets | 0.3037% | 4,834 |
| Net interest margin | 2.7481% | 5,027 |
| Noninterest income to average assets | 0.2645% | 4,113 |
| Noninterest expense to average assets | 1.9841% | 4,672 |
| Loan and lease loss provision to assets | 0.0958% | 1,827 |
| Net operating income to assets | 0.6705% | 4,024 |
| Return on assets (ROA) | 0.6705% | 4,062 |
| Pretax return on assets | 0.7845% | 4,078 |
| Return on Equity (ROE) | 6.0003% | 4,018 |
| Retained earnings to average equity (ytd only) | 3.9594% | 3,326 |
| Net charge-offs to loans | -0.0210% | 4,505 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2675% | 2,464 |
| Assets per employee ($millions) | 5.2028% | 2,285 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,425 |
| Loan loss allowance to noncurrent loans | 138.4422% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 2,796 |
| Noncurrent loans to loans | 1.0633% | 1,568 |
| Net loans and leases to total assets | 41.6973% | 4,840 |
| Net loans and leases to deposits | 47.2863% | 4,889 |
| Net loans and leases to core deposits | 47.9871% | 4,936 |
| Total domestic deposits to total assets | 88.1805% | 1,242 |
| Equity capital to assets | 11.3548% | 2,521 |
| Core capital (leverage) ratio | 10.8941% | 2,670 |
| Tier 1 risk-based capital ratio | 21.0178% | 1,164 |
| Total risk-based capital ratio | 22.2575% | 1,144 |
| Memoranda: | ||
| Average total assets | $87,698,000 | 4,300 |
| Average earning assets | $82,965,000 | 4,264 |
| Average equity | $9,799,500 | 4,357 |
| Average total loans | $38,081,500 | 4,592 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 5,024 |
| Cost of funding earning assets | 0.2242% | 4,906 |
| Net interest margin | 3.1581% | 4,561 |
| Noninterest income to average assets | 0.3144% | 4,016 |
| Noninterest expense to average assets | 2.0598% | 4,633 |
| Loan and lease loss provision to assets | 0.1048% | 2,097 |
| Net operating income to assets | 0.9269% | 3,338 |
| Return on assets (ROA) | 0.9269% | 3,329 |
| Pretax return on assets | 1.1353% | 3,156 |
| Return on Equity (ROE) | 8.5105% | 3,214 |
| Retained earnings to average equity (ytd only) | 6.5640% | 1,890 |
| Net charge-offs to loans | 0.1523% | 1,255 |
| Credit loss provision to net charge-offs | 150.8475% | 1,823 |
| Earnings coverage of net charge-offs (x) | 17.8475% | 2,169 |
| Efficiency ratio | 62.4197% | 3,448 |
| Assets per employee ($millions) | 5.1146% | 2,366 |
| Cash dividends to net income (ytd only)* | 22.8717% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 1,777 |
| Loan loss allowance to noncurrent loans | 137.8590% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 2,631 |
| Noncurrent loans to loans | 0.9888% | 1,640 |
| Net loans and leases to total assets | 43.9384% | 4,819 |
| Net loans and leases to deposits | 49.6021% | 4,894 |
| Net loans and leases to core deposits | 50.3287% | 4,933 |
| Total domestic deposits to total assets | 88.5818% | 1,035 |
| Equity capital to assets | 10.9904% | 2,699 |
| Core capital (leverage) ratio | 10.8958% | 2,632 |
| Tier 1 risk-based capital ratio | 25.6506% | 695 |
| Total risk-based capital ratio | 26.9075% | 679 |
| Memoranda: | ||
| Average total assets | $84,911,000 | 4,341 |
| Average earning assets | $80,269,600 | 4,314 |
| Average equity | $9,247,400 | 4,424 |
| Average total loans | $38,736,400 | 4,591 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4766% | 4,949 |
| Cost of funding earning assets | 0.2074% | 4,992 |
| Net interest margin | 3.2693% | 4,360 |
| Noninterest income to average assets | 0.3238% | 3,980 |
| Noninterest expense to average assets | 2.0315% | 4,681 |
| Loan and lease loss provision to assets | 0.1074% | 1,864 |
| Net operating income to assets | 1.0252% | 2,988 |
| Return on assets (ROA) | 1.0252% | 2,999 |
| Pretax return on assets | 1.2732% | 2,714 |
| Return on Equity (ROE) | 9.4361% | 2,881 |
| Retained earnings to average equity (ytd only) | 7.4733% | 1,894 |
| Net charge-offs to loans | 0.3201% | 522 |
| Credit loss provision to net charge-offs | 73.1183% | 2,601 |
| Earnings coverage of net charge-offs (x) | 9.3976% | 2,644 |
| Efficiency ratio | 59.5370% | 3,877 |
| Assets per employee ($millions) | 4.9649% | 2,511 |
| Cash dividends to net income (ytd only)* | 20.8018% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 2,598 |
| Loan loss allowance to noncurrent loans | 144.2073% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 2,944 |
| Noncurrent loans to loans | 0.8349% | 2,041 |
| Net loans and leases to total assets | 45.9853% | 4,804 |
| Net loans and leases to deposits | 51.8842% | 4,888 |
| Net loans and leases to core deposits | 52.6656% | 4,950 |
| Total domestic deposits to total assets | 88.6307% | 989 |
| Equity capital to assets | 10.9214% | 2,731 |
| Core capital (leverage) ratio | 10.9154% | 2,663 |
| Tier 1 risk-based capital ratio | 25.3195% | 723 |
| Total risk-based capital ratio | 26.5754% | 709 |
| Memoranda: | ||
| Average total assets | $84,401,500 | 4,400 |
| Average earning assets | $79,730,500 | 4,371 |
| Average equity | $9,170,250 | 4,482 |
| Average total loans | $38,737,500 | 4,637 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 4,827 |
| Cost of funding earning assets | 0.1985% | 5,038 |
| Net interest margin | 3.3649% | 4,061 |
| Noninterest income to average assets | 0.3317% | 3,965 |
| Noninterest expense to average assets | 2.0758% | 4,664 |
| Loan and lease loss provision to assets | 0.0284% | 3,344 |
| Net operating income to assets | 1.1161% | 2,529 |
| Return on assets (ROA) | 1.1161% | 2,531 |
| Pretax return on assets | 1.4005% | 2,143 |
| Return on Equity (ROE) | 10.2902% | 2,431 |
| Retained earnings to average equity (ytd only) | 8.3239% | 1,483 |
| Net charge-offs to loans | -0.0207% | 4,588 |
| Credit loss provision to net charge-offs | -300.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2292% | 4,049 |
| Assets per employee ($millions) | 4.9967% | 2,424 |
| Cash dividends to net income (ytd only)* | 19.1083% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,930 |
| Loan loss allowance to noncurrent loans | 95.0092% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 2,311 |
| Noncurrent loans to loans | 1.4235% | 1,187 |
| Net loans and leases to total assets | 44.1373% | 4,893 |
| Net loans and leases to deposits | 49.7340% | 4,991 |
| Net loans and leases to core deposits | 50.4759% | 5,034 |
| Total domestic deposits to total assets | 88.7467% | 1,039 |
| Equity capital to assets | 10.8589% | 2,775 |
| Core capital (leverage) ratio | 10.7353% | 2,766 |
| Tier 1 risk-based capital ratio | 25.7442% | 692 |
| Total risk-based capital ratio | 27.0000% | 667 |
| Memoranda: | ||
| Average total assets | $84,401,000 | 4,440 |
| Average earning assets | $79,585,330 | 4,409 |
| Average equity | $9,154,330 | 4,520 |
| Average total loans | $38,554,670 | 4,683 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 3,293 |
| Cost of funding earning assets | 0.1915% | 5,067 |
| Net interest margin | 3.8902% | 2,082 |
| Noninterest income to average assets | 0.3376% | 3,900 |
| Noninterest expense to average assets | 2.0302% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5262% | 1,020 |
| Return on assets (ROA) | 1.5262% | 1,024 |
| Pretax return on assets | 1.9779% | 596 |
| Return on Equity (ROE) | 14.0797% | 998 |
| Retained earnings to average equity (ytd only) | 12.1059% | 668 |
| Net charge-offs to loans | -0.0309% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6524% | 5,049 |
| Assets per employee ($millions) | 4.9749% | 2,520 |
| Cash dividends to net income (ytd only)* | 14.0187% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 2,179 |
| Loan loss allowance to noncurrent loans | 90.7609% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6527% | 2,367 |
| Noncurrent loans to loans | 1.4480% | 1,223 |
| Net loans and leases to total assets | 44.4818% | 4,872 |
| Net loans and leases to deposits | 50.1426% | 4,952 |
| Net loans and leases to core deposits | 50.8536% | 5,016 |
| Total domestic deposits to total assets | 88.7105% | 1,250 |
| Equity capital to assets | 10.8083% | 2,764 |
| Core capital (leverage) ratio | 10.7781% | 2,649 |
| Tier 1 risk-based capital ratio | 25.4025% | 726 |
| Total risk-based capital ratio | 26.6505% | 714 |
| Memoranda: | ||
| Average total assets | $84,129,500 | 4,496 |
| Average earning assets | $79,378,500 | 4,457 |
| Average equity | $9,119,500 | 4,569 |
| Average total loans | $38,829,000 | 4,731 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0160% | 5,345 |
| Cost of funding earning assets | 0.2032% | 4,923 |
| Net interest margin | 2.8128% | 5,151 |
| Noninterest income to average assets | 0.3129% | 4,223 |
| Noninterest expense to average assets | 2.0863% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6090% | 3,968 |
| Return on assets (ROA) | 0.6055% | 4,023 |
| Pretax return on assets | 0.8336% | 4,144 |
| Return on Equity (ROE) | 5.5975% | 3,920 |
| Retained earnings to average equity (ytd only) | 3.6654% | 3,050 |
| Net charge-offs to loans | -0.0076% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3352% | 2,329 |
| Assets per employee ($millions) | 4.9226% | 2,571 |
| Cash dividends to net income (ytd only)* | 34.5168% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,428 |
| Loan loss allowance to noncurrent loans | 89.5683% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 2,323 |
| Noncurrent loans to loans | 1.4063% | 1,220 |
| Net loans and leases to total assets | 46.6499% | 4,850 |
| Net loans and leases to deposits | 52.5311% | 4,961 |
| Net loans and leases to core deposits | 53.2825% | 5,028 |
| Total domestic deposits to total assets | 88.8044% | 1,084 |
| Equity capital to assets | 10.8717% | 2,764 |
| Core capital (leverage) ratio | 10.4335% | 2,926 |
| Tier 1 risk-based capital ratio | 24.1413% | 806 |
| Total risk-based capital ratio | 25.3934% | 789 |
| Memoranda: | ||
| Average total assets | $83,735,200 | 4,518 |
| Average earning assets | $77,751,400 | 4,503 |
| Average equity | $9,057,600 | 4,606 |
| Average total loans | $39,410,000 | 4,742 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0012% | 5,408 |
| Cost of funding earning assets | 0.2048% | 4,939 |
| Net interest margin | 2.7964% | 5,223 |
| Noninterest income to average assets | 0.3232% | 4,226 |
| Noninterest expense to average assets | 2.0633% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6561% | 4,172 |
| Return on assets (ROA) | 0.6511% | 4,237 |
| Pretax return on assets | 0.8406% | 4,236 |
| Return on Equity (ROE) | 6.0273% | 4,111 |
| Retained earnings to average equity (ytd only) | 4.1115% | 3,467 |
| Net charge-offs to loans | -0.0203% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8972% | 2,380 |
| Assets per employee ($millions) | 4.9179% | 2,554 |
| Cash dividends to net income (ytd only)* | 31.7850% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,492 |
| Loan loss allowance to noncurrent loans | 118.7204% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 3,052 |
| Noncurrent loans to loans | 1.0733% | 1,794 |
| Net loans and leases to total assets | 46.4296% | 4,913 |
| Net loans and leases to deposits | 52.4902% | 5,028 |
| Net loans and leases to core deposits | 53.2433% | 5,094 |
| Total domestic deposits to total assets | 88.4539% | 1,148 |
| Equity capital to assets | 11.1956% | 2,676 |
| Core capital (leverage) ratio | 10.4355% | 3,052 |
| Tier 1 risk-based capital ratio | 24.0936% | 843 |
| Total risk-based capital ratio | 25.3508% | 820 |
| Memoranda: | ||
| Average total assets | $83,747,750 | 4,563 |
| Average earning assets | $77,477,250 | 4,552 |
| Average equity | $9,047,500 | 4,653 |
| Average total loans | $39,378,250 | 4,796 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9446% | 5,479 |
| Cost of funding earning assets | 0.2044% | 4,928 |
| Net interest margin | 2.7401% | 5,319 |
| Noninterest income to average assets | 0.3127% | 4,303 |
| Noninterest expense to average assets | 2.0908% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5996% | 4,308 |
| Return on assets (ROA) | 0.5919% | 4,391 |
| Pretax return on assets | 0.7399% | 4,454 |
| Return on Equity (ROE) | 5.5460% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.6452% | 3,536 |
| Net charge-offs to loans | -0.0660% | 5,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6134% | 2,081 |
| Assets per employee ($millions) | 4.9206% | 2,483 |
| Cash dividends to net income (ytd only)* | 34.2742% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,520 |
| Loan loss allowance to noncurrent loans | 145.9770% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 3,451 |
| Noncurrent loans to loans | 0.8756% | 2,232 |
| Net loans and leases to total assets | 46.9044% | 4,887 |
| Net loans and leases to deposits | 52.9294% | 5,020 |
| Net loans and leases to core deposits | 53.9475% | 5,094 |
| Total domestic deposits to total assets | 88.6170% | 1,150 |
| Equity capital to assets | 11.0590% | 2,741 |
| Core capital (leverage) ratio | 10.1638% | 3,318 |
| Tier 1 risk-based capital ratio | 23.2596% | 917 |
| Total risk-based capital ratio | 24.5146% | 906 |
| Memoranda: | ||
| Average total assets | $83,795,670 | 4,595 |
| Average earning assets | $77,295,330 | 4,578 |
| Average equity | $8,943,330 | 4,689 |
| Average total loans | $39,398,330 | 4,828 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9711% | 5,485 |
| Cost of funding earning assets | 0.2033% | 4,949 |
| Net interest margin | 2.7678% | 5,308 |
| Noninterest income to average assets | 0.3005% | 4,414 |
| Noninterest expense to average assets | 2.0175% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6236% | 4,047 |
| Return on assets (ROA) | 0.6200% | 4,113 |
| Pretax return on assets | 0.8108% | 4,071 |
| Return on Equity (ROE) | 5.9161% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.0958% | 3,412 |
| Net charge-offs to loans | -0.0612% | 5,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2121% | 2,700 |
| Assets per employee ($millions) | 4.9574% | 2,496 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 2,566 |
| Loan loss allowance to noncurrent loans | 127.1574% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 3,341 |
| Noncurrent loans to loans | 1.0175% | 2,019 |
| Net loans and leases to total assets | 45.3545% | 4,970 |
| Net loans and leases to deposits | 50.9050% | 5,068 |
| Net loans and leases to core deposits | 51.8700% | 5,150 |
| Total domestic deposits to total assets | 89.0965% | 1,102 |
| Equity capital to assets | 10.5617% | 3,118 |
| Core capital (leverage) ratio | 10.0581% | 3,427 |
| Tier 1 risk-based capital ratio | 22.9345% | 987 |
| Total risk-based capital ratio | 24.1909% | 965 |
| Memoranda: | ||
| Average total assets | $83,868,000 | 4,640 |
| Average earning assets | $76,739,500 | 4,637 |
| Average equity | $8,789,500 | 4,754 |
| Average total loans | $39,225,500 | 4,878 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9349% | 5,548 |
| Cost of funding earning assets | 0.2218% | 4,816 |
| Net interest margin | 2.7132% | 5,403 |
| Noninterest income to average assets | 0.3516% | 4,216 |
| Noninterest expense to average assets | 2.2293% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4863% | 4,685 |
| Return on assets (ROA) | 0.4882% | 4,755 |
| Pretax return on assets | 0.6525% | 4,650 |
| Return on Equity (ROE) | 4.5093% | 4,652 |
| Retained earnings to average equity (ytd only) | 2.7793% | 3,923 |
| Net charge-offs to loans | 0.0321% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 41.3846% | 1,149 |
| Efficiency ratio | 77.4234% | 1,784 |
| Assets per employee ($millions) | 5.2163% | 2,153 |
| Cash dividends to net income (ytd only)* | 38.3663% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,845 |
| Loan loss allowance to noncurrent loans | 119.8547% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 3,280 |
| Noncurrent loans to loans | 1.0396% | 2,001 |
| Net loans and leases to total assets | 47.0069% | 4,955 |
| Net loans and leases to deposits | 52.5785% | 5,087 |
| Net loans and leases to core deposits | 53.5510% | 5,167 |
| Total domestic deposits to total assets | 89.4033% | 900 |
| Equity capital to assets | 10.3978% | 3,273 |
| Core capital (leverage) ratio | 10.0536% | 3,425 |
| Tier 1 risk-based capital ratio | 22.4029% | 1,029 |
| Total risk-based capital ratio | 23.6516% | 1,009 |
| Memoranda: | ||
| Average total assets | $82,761,400 | 4,674 |
| Average earning assets | $77,105,800 | 4,643 |
| Average equity | $8,959,200 | 4,772 |
| Average total loans | $40,459,800 | 4,860 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9448% | 5,611 |
| Cost of funding earning assets | 0.2248% | 4,838 |
| Net interest margin | 2.7200% | 5,468 |
| Noninterest income to average assets | 0.3439% | 4,327 |
| Noninterest expense to average assets | 2.3280% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4237% | 4,948 |
| Return on assets (ROA) | 0.4262% | 5,028 |
| Pretax return on assets | 0.5586% | 4,979 |
| Return on Equity (ROE) | 3.8982% | 4,941 |
| Retained earnings to average equity (ytd only) | 2.1264% | 4,628 |
| Net charge-offs to loans | 0.0722% | 2,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 15.6379% | 2,169 |
| Efficiency ratio | 80.7391% | 1,334 |
| Assets per employee ($millions) | 5.2452% | 2,095 |
| Cash dividends to net income (ytd only)* | 45.4558% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,234 |
| Loan loss allowance to noncurrent loans | 115.9905% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 3,448 |
| Noncurrent loans to loans | 1.0347% | 2,173 |
| Net loans and leases to total assets | 47.6711% | 4,982 |
| Net loans and leases to deposits | 53.6459% | 5,131 |
| Net loans and leases to core deposits | 54.6372% | 5,204 |
| Total domestic deposits to total assets | 88.8624% | 982 |
| Equity capital to assets | 10.9064% | 3,119 |
| Core capital (leverage) ratio | 9.9003% | 3,693 |
| Tier 1 risk-based capital ratio | 21.5717% | 1,183 |
| Total risk-based capital ratio | 22.8236% | 1,168 |
| Memoranda: | ||
| Average total assets | $82,586,750 | 4,714 |
| Average earning assets | $77,104,750 | 4,683 |
| Average equity | $9,029,500 | 4,801 |
| Average total loans | $40,643,000 | 4,903 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9490% | 5,689 |
| Cost of funding earning assets | 0.2295% | 4,859 |
| Net interest margin | 2.7195% | 5,544 |
| Noninterest income to average assets | 0.3457% | 4,305 |
| Noninterest expense to average assets | 2.4275% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2963% | 5,339 |
| Return on assets (ROA) | 0.2995% | 5,411 |
| Pretax return on assets | 0.4626% | 5,219 |
| Return on Equity (ROE) | 2.7369% | 5,321 |
| Retained earnings to average equity (ytd only) | 0.9568% | 5,011 |
| Net charge-offs to loans | 0.1474% | 1,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.2667% | 2,765 |
| Efficiency ratio | 84.1350% | 1,038 |
| Assets per employee ($millions) | 5.1438% | 2,149 |
| Cash dividends to net income (ytd only)* | 65.0407% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,477 |
| Loan loss allowance to noncurrent loans | 129.1892% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 3,716 |
| Noncurrent loans to loans | 0.9120% | 2,457 |
| Net loans and leases to total assets | 48.7132% | 4,930 |
| Net loans and leases to deposits | 54.9998% | 5,080 |
| Net loans and leases to core deposits | 56.0384% | 5,168 |
| Total domestic deposits to total assets | 88.5699% | 1,130 |
| Equity capital to assets | 11.1069% | 2,936 |
| Core capital (leverage) ratio | 9.8429% | 3,758 |
| Tier 1 risk-based capital ratio | 21.7389% | 1,163 |
| Total risk-based capital ratio | 22.9894% | 1,151 |
| Memoranda: | ||
| Average total assets | $82,141,330 | 4,769 |
| Average earning assets | $76,705,000 | 4,738 |
| Average equity | $8,988,330 | 4,847 |
| Average total loans | $40,693,000 | 4,947 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9511% | 5,736 |
| Cost of funding earning assets | 0.2298% | 4,905 |
| Net interest margin | 2.7213% | 5,586 |
| Noninterest income to average assets | 0.3266% | 4,396 |
| Noninterest expense to average assets | 2.6760% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1267% | 5,641 |
| Return on assets (ROA) | 0.1267% | 5,691 |
| Pretax return on assets | 0.1901% | 5,648 |
| Return on Equity (ROE) | 1.1670% | 5,666 |
| Retained earnings to average equity (ytd only) | -0.6284% | 5,226 |
| Net charge-offs to loans | 0.0687% | 1,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,322 |
| Efficiency ratio | 93.3673% | 484 |
| Assets per employee ($millions) | 5.1354% | 2,201 |
| Cash dividends to net income (ytd only)* | 153.8462% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 3,269 |
| Loan loss allowance to noncurrent loans | 122.4939% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 3,612 |
| Noncurrent loans to loans | 1.0104% | 2,360 |
| Net loans and leases to total assets | 48.6564% | 4,915 |
| Net loans and leases to deposits | 54.7178% | 5,060 |
| Net loans and leases to core deposits | 55.7059% | 5,145 |
| Total domestic deposits to total assets | 88.9224% | 1,145 |
| Equity capital to assets | 10.9084% | 3,035 |
| Core capital (leverage) ratio | 9.7137% | 3,894 |
| Tier 1 risk-based capital ratio | 21.5536% | 1,225 |
| Total risk-based capital ratio | 22.8044% | 1,205 |
| Memoranda: | ||
| Average total assets | $82,062,000 | 4,817 |
| Average earning assets | $76,581,500 | 4,784 |
| Average equity | $8,912,000 | 4,884 |
| Average total loans | $40,755,000 | 4,987 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6285% | 5,954 |
| Cost of funding earning assets | 0.2637% | 4,657 |
| Net interest margin | 2.3649% | 5,913 |
| Noninterest income to average assets | 0.3312% | 4,529 |
| Noninterest expense to average assets | 2.1838% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4237% | 4,975 |
| Return on assets (ROA) | 0.4275% | 5,042 |
| Pretax return on assets | 0.4314% | 5,261 |
| Return on Equity (ROE) | 4.5496% | 4,719 |
| Retained earnings to average equity (ytd only) | 2.9716% | 3,950 |
| Net charge-offs to loans | -0.2397% | 5,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6283% | 1,216 |
| Assets per employee ($millions) | 5.6931% | 1,621 |
| Cash dividends to net income (ytd only)* | 34.6847% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 2,139 |
| Loan loss allowance to noncurrent loans | 132.5397% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 3,673 |
| Noncurrent loans to loans | 1.1077% | 2,123 |
| Net loans and leases to total assets | 43.7468% | 5,295 |
| Net loans and leases to deposits | 48.5289% | 5,461 |
| Net loans and leases to core deposits | 49.6478% | 5,519 |
| Total domestic deposits to total assets | 90.1460% | 574 |
| Equity capital to assets | 9.6784% | 4,329 |
| Core capital (leverage) ratio | 9.6189% | 4,024 |
| Tier 1 risk-based capital ratio | 20.6350% | 1,363 |
| Total risk-based capital ratio | 21.8875% | 1,336 |
| Memoranda: | ||
| Average total assets | $51,926,800 | 5,507 |
| Average earning assets | $50,066,000 | 5,436 |
| Average equity | $4,879,600 | 5,682 |
| Average total loans | $21,697,600 | 5,656 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6144% | 6,045 |
| Cost of funding earning assets | 0.2654% | 4,722 |
| Net interest margin | 2.3490% | 6,005 |
| Noninterest income to average assets | 0.3378% | 4,523 |
| Noninterest expense to average assets | 2.1753% | 5,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3685% | 5,266 |
| Return on assets (ROA) | 0.3685% | 5,343 |
| Pretax return on assets | 0.4274% | 5,407 |
| Return on Equity (ROE) | 3.9508% | 5,046 |
| Retained earnings to average equity (ytd only) | 2.3594% | 4,704 |
| Net charge-offs to loans | -0.2053% | 6,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5792% | 1,214 |
| Assets per employee ($millions) | 5.6147% | 1,675 |
| Cash dividends to net income (ytd only)* | 40.2760% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 2,453 |
| Loan loss allowance to noncurrent loans | 121.1538% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 3,771 |
| Noncurrent loans to loans | 1.1813% | 2,166 |
| Net loans and leases to total assets | 42.9332% | 5,429 |
| Net loans and leases to deposits | 47.7464% | 5,583 |
| Net loans and leases to core deposits | 48.8648% | 5,615 |
| Total domestic deposits to total assets | 89.9193% | 604 |
| Equity capital to assets | 9.7938% | 4,402 |
| Core capital (leverage) ratio | 9.3797% | 4,467 |
| Tier 1 risk-based capital ratio | 20.8529% | 1,371 |
| Total risk-based capital ratio | 22.1038% | 1,344 |
| Memoranda: | ||
| Average total assets | $52,099,000 | 5,576 |
| Average earning assets | $50,232,750 | 5,501 |
| Average equity | $4,859,750 | 5,763 |
| Average total loans | $21,434,750 | 5,732 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5888% | 6,117 |
| Cost of funding earning assets | 0.2684% | 4,736 |
| Net interest margin | 2.3204% | 6,088 |
| Noninterest income to average assets | 0.3269% | 4,607 |
| Noninterest expense to average assets | 2.1892% | 5,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3345% | 5,345 |
| Return on assets (ROA) | 0.3345% | 5,448 |
| Pretax return on assets | 0.3725% | 5,530 |
| Return on Equity (ROE) | 3.6439% | 5,162 |
| Retained earnings to average equity (ytd only) | 2.0290% | 4,682 |
| Net charge-offs to loans | -0.2354% | 6,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4599% | 1,103 |
| Assets per employee ($millions) | 5.2726% | 1,960 |
| Cash dividends to net income (ytd only)* | 44.3182% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 2,522 |
| Loan loss allowance to noncurrent loans | 157.4359% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3698% | 4,419 |
| Noncurrent loans to loans | 0.9193% | 2,831 |
| Net loans and leases to total assets | 39.6484% | 5,651 |
| Net loans and leases to deposits | 44.1779% | 5,760 |
| Net loans and leases to core deposits | 45.1687% | 5,797 |
| Total domestic deposits to total assets | 89.7470% | 767 |
| Equity capital to assets | 9.1530% | 5,082 |
| Core capital (leverage) ratio | 9.0497% | 4,892 |
| Tier 1 risk-based capital ratio | 21.0991% | 1,338 |
| Total risk-based capital ratio | 22.3495% | 1,318 |
| Memoranda: | ||
| Average total assets | $52,621,330 | 5,622 |
| Average earning assets | $50,680,000 | 5,547 |
| Average equity | $4,830,000 | 5,824 |
| Average total loans | $21,243,000 | 5,800 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5800% | 6,192 |
| Cost of funding earning assets | 0.2691% | 4,799 |
| Net interest margin | 2.3109% | 6,157 |
| Noninterest income to average assets | 0.3348% | 4,509 |
| Noninterest expense to average assets | 2.1001% | 5,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3881% | 5,117 |
| Return on assets (ROA) | 0.3881% | 5,234 |
| Pretax return on assets | 0.4565% | 5,294 |
| Return on Equity (ROE) | 4.2219% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.5662% | 4,398 |
| Net charge-offs to loans | -0.0376% | 5,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1429% | 1,597 |
| Assets per employee ($millions) | 5.8737% | 1,492 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 3,083 |
| Loan loss allowance to noncurrent loans | 102.8986% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 3,932 |
| Noncurrent loans to loans | 1.3253% | 2,175 |
| Net loans and leases to total assets | 38.8570% | 5,672 |
| Net loans and leases to deposits | 42.9908% | 5,799 |
| Net loans and leases to core deposits | 43.8948% | 5,845 |
| Total domestic deposits to total assets | 90.3846% | 571 |
| Equity capital to assets | 9.2598% | 5,013 |
| Core capital (leverage) ratio | 7.3159% | 6,196 |
| Tier 1 risk-based capital ratio | 20.2429% | 1,566 |
| Total risk-based capital ratio | 21.4367% | 1,546 |
| Memoranda: | ||
| Average total assets | $52,569,000 | 5,671 |
| Average earning assets | $50,543,000 | 5,606 |
| Average equity | $4,832,000 | 5,876 |
| Average total loans | $21,258,500 | 5,850 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6876% | 6,266 |
| Cost of funding earning assets | 0.2899% | 4,899 |
| Net interest margin | 2.3977% | 6,229 |
| Noninterest income to average assets | 0.3462% | 4,628 |
| Noninterest expense to average assets | 2.0415% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4446% | 5,044 |
| Return on assets (ROA) | 0.4446% | 5,132 |
| Pretax return on assets | 0.5582% | 5,079 |
| Return on Equity (ROE) | 5.0373% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.4725% | 3,739 |
| Net charge-offs to loans | 0.0615% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 22.6923% | 1,617 |
| Efficiency ratio | 78.5298% | 2,127 |
| Assets per employee ($millions) | 5.8083% | 1,519 |
| Cash dividends to net income (ytd only)* | 31.0638% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 3,420 |
| Loan loss allowance to noncurrent loans | 112.3506% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 4,198 |
| Noncurrent loans to loans | 1.1571% | 2,526 |
| Net loans and leases to total assets | 40.9565% | 5,689 |
| Net loans and leases to deposits | 45.2432% | 5,828 |
| Net loans and leases to core deposits | 46.2020% | 5,883 |
| Total domestic deposits to total assets | 90.5251% | 530 |
| Equity capital to assets | 9.1229% | 5,160 |
| Core capital (leverage) ratio | 9.1034% | 4,822 |
| Tier 1 risk-based capital ratio | 20.1017% | 1,579 |
| Total risk-based capital ratio | 21.2866% | 1,564 |
| Memoranda: | ||
| Average total assets | $52,852,800 | 5,723 |
| Average earning assets | $49,672,400 | 5,686 |
| Average equity | $4,665,200 | 5,939 |
| Average total loans | $21,131,800 | 5,916 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6717% | 6,349 |
| Cost of funding earning assets | 0.2906% | 4,980 |
| Net interest margin | 2.3811% | 6,308 |
| Noninterest income to average assets | 0.3472% | 4,664 |
| Noninterest expense to average assets | 2.0252% | 5,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4478% | 5,079 |
| Return on assets (ROA) | 0.4478% | 5,159 |
| Pretax return on assets | 0.5484% | 5,185 |
| Return on Equity (ROE) | 5.1157% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.5924% | 4,093 |
| Net charge-offs to loans | 0.1652% | 2,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.3836% | 2,807 |
| Efficiency ratio | 78.6901% | 2,090 |
| Assets per employee ($millions) | 5.8317% | 1,461 |
| Cash dividends to net income (ytd only)* | 29.7729% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 3,685 |
| Loan loss allowance to noncurrent loans | 126.8868% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 4,713 |
| Noncurrent loans to loans | 1.0181% | 3,035 |
| Net loans and leases to total assets | 39.1617% | 5,868 |
| Net loans and leases to deposits | 43.2143% | 6,012 |
| Net loans and leases to core deposits | 44.1234% | 6,035 |
| Total domestic deposits to total assets | 90.6221% | 482 |
| Equity capital to assets | 9.0235% | 5,330 |
| Core capital (leverage) ratio | 8.8854% | 5,210 |
| Tier 1 risk-based capital ratio | 20.3629% | 1,584 |
| Total risk-based capital ratio | 21.5168% | 1,566 |
| Memoranda: | ||
| Average total assets | $52,997,250 | 5,784 |
| Average earning assets | $49,555,500 | 5,752 |
| Average equity | $4,639,250 | 6,006 |
| Average total loans | $20,991,750 | 5,981 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6776% | 6,408 |
| Cost of funding earning assets | 0.2921% | 5,046 |
| Net interest margin | 2.3855% | 6,368 |
| Noninterest income to average assets | 0.3423% | 4,685 |
| Noninterest expense to average assets | 2.0426% | 5,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4251% | 5,117 |
| Return on assets (ROA) | 0.4251% | 5,198 |
| Pretax return on assets | 0.5116% | 5,247 |
| Return on Equity (ROE) | 4.9056% | 4,723 |
| Retained earnings to average equity (ytd only) | 3.4296% | 4,018 |
| Net charge-offs to loans | 0.2946% | 1,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.3871% | 3,117 |
| Efficiency ratio | 79.9705% | 2,031 |
| Assets per employee ($millions) | 5.9706% | 1,296 |
| Cash dividends to net income (ytd only)* | 30.0885% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 3,974 |
| Loan loss allowance to noncurrent loans | 68.2171% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 3,822 |
| Noncurrent loans to loans | 1.8745% | 1,833 |
| Net loans and leases to total assets | 37.9287% | 5,962 |
| Net loans and leases to deposits | 41.7003% | 6,081 |
| Net loans and leases to core deposits | 42.5517% | 6,131 |
| Total domestic deposits to total assets | 90.9556% | 425 |
| Equity capital to assets | 8.7466% | 5,579 |
| Core capital (leverage) ratio | 8.7233% | 5,367 |
| Tier 1 risk-based capital ratio | 20.2506% | 1,627 |
| Total risk-based capital ratio | 21.3874% | 1,625 |
| Memoranda: | ||
| Average total assets | $53,168,000 | 5,826 |
| Average earning assets | $49,297,000 | 5,803 |
| Average equity | $4,607,000 | 6,054 |
| Average total loans | $21,048,000 | 6,030 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6506% | 6,497 |
| Cost of funding earning assets | 0.2927% | 5,149 |
| Net interest margin | 2.3579% | 6,443 |
| Noninterest income to average assets | 0.3177% | 4,832 |
| Noninterest expense to average assets | 2.1103% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3479% | 5,318 |
| Return on assets (ROA) | 0.3479% | 5,380 |
| Pretax return on assets | 0.4009% | 5,451 |
| Return on Equity (ROE) | 4.0346% | 5,018 |
| Retained earnings to average equity (ytd only) | 2.6313% | 4,497 |
| Net charge-offs to loans | 0.2635% | 1,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.7857% | 2,630 |
| Efficiency ratio | 84.0361% | 1,667 |
| Assets per employee ($millions) | 5.9647% | 1,327 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 3,906 |
| Loan loss allowance to noncurrent loans | 72.4227% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 3,955 |
| Noncurrent loans to loans | 1.8503% | 2,067 |
| Net loans and leases to total assets | 38.5399% | 5,905 |
| Net loans and leases to deposits | 42.2526% | 6,065 |
| Net loans and leases to core deposits | 43.0671% | 6,117 |
| Total domestic deposits to total assets | 91.2131% | 480 |
| Equity capital to assets | 8.5541% | 5,596 |
| Core capital (leverage) ratio | 8.6961% | 5,388 |
| Tier 1 risk-based capital ratio | 20.0275% | 1,714 |
| Total risk-based capital ratio | 21.2370% | 1,690 |
| Memoranda: | ||
| Average total assets | $52,884,500 | 5,886 |
| Average earning assets | $49,196,500 | 5,863 |
| Average equity | $4,560,500 | 6,113 |
| Average total loans | $21,249,500 | 6,083 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6145% | 6,584 |
| Cost of funding earning assets | 0.3400% | 5,242 |
| Net interest margin | 2.2746% | 6,539 |
| Noninterest income to average assets | 0.3839% | 4,564 |
| Noninterest expense to average assets | 2.1093% | 5,813 |
| Loan and lease loss provision to assets | 0.0380% | 4,355 |
| Net operating income to assets | 0.3326% | 5,400 |
| Return on assets (ROA) | 0.3326% | 5,507 |
| Pretax return on assets | 0.3725% | 5,553 |
| Return on Equity (ROE) | 3.8487% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.4852% | 4,486 |
| Net charge-offs to loans | 0.0289% | 4,847 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,038 |
| Efficiency ratio | 83.7104% | 1,662 |
| Assets per employee ($millions) | 5.7874% | 1,417 |
| Cash dividends to net income (ytd only)* | 35.4286% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 3,796 |
| Loan loss allowance to noncurrent loans | 84.0456% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 4,224 |
| Noncurrent loans to loans | 1.6304% | 2,453 |
| Net loans and leases to total assets | 40.7664% | 5,909 |
| Net loans and leases to deposits | 44.7484% | 6,084 |
| Net loans and leases to core deposits | 45.6370% | 6,154 |
| Total domestic deposits to total assets | 91.1014% | 532 |
| Equity capital to assets | 8.6951% | 5,376 |
| Core capital (leverage) ratio | 8.6643% | 5,458 |
| Tier 1 risk-based capital ratio | 19.8021% | 1,697 |
| Total risk-based capital ratio | 21.0529% | 1,670 |
| Memoranda: | ||
| Average total assets | $52,623,400 | 5,950 |
| Average earning assets | $49,416,200 | 5,908 |
| Average equity | $4,547,000 | 6,188 |
| Average total loans | $20,775,800 | 6,157 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6014% | 6,665 |
| Cost of funding earning assets | 0.3512% | 5,283 |
| Net interest margin | 2.2502% | 6,616 |
| Noninterest income to average assets | 0.3816% | 4,664 |
| Noninterest expense to average assets | 2.1128% | 5,804 |
| Loan and lease loss provision to assets | 0.0506% | 4,005 |
| Net operating income to assets | 0.2982% | 5,621 |
| Return on assets (ROA) | 0.2982% | 5,738 |
| Pretax return on assets | 0.3235% | 5,815 |
| Return on Equity (ROE) | 3.4567% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.1092% | 5,056 |
| Net charge-offs to loans | 0.0777% | 3,833 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 12.3331% | 2,144 |
| Efficiency ratio | 84.9593% | 1,479 |
| Assets per employee ($millions) | 5.9137% | 1,302 |
| Cash dividends to net income (ytd only)* | 38.9818% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 3,800 |
| Loan loss allowance to noncurrent loans | 68.6461% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 4,128 |
| Noncurrent loans to loans | 2.0721% | 2,164 |
| Net loans and leases to total assets | 37.6322% | 6,188 |
| Net loans and leases to deposits | 41.2484% | 6,342 |
| Net loans and leases to core deposits | 42.0486% | 6,384 |
| Total domestic deposits to total assets | 91.2331% | 447 |
| Equity capital to assets | 8.5395% | 5,685 |
| Core capital (leverage) ratio | 8.6057% | 5,655 |
| Tier 1 risk-based capital ratio | 21.1513% | 1,471 |
| Total risk-based capital ratio | 22.4023% | 1,436 |
| Memoranda: | ||
| Average total assets | $52,757,500 | 6,014 |
| Average earning assets | $49,357,250 | 5,975 |
| Average equity | $4,551,500 | 6,269 |
| Average total loans | $20,587,500 | 6,234 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6357% | 6,688 |
| Cost of funding earning assets | 0.3695% | 5,232 |
| Net interest margin | 2.2662% | 6,646 |
| Noninterest income to average assets | 0.3004% | 5,303 |
| Noninterest expense to average assets | 2.1254% | 5,813 |
| Loan and lease loss provision to assets | 0.0760% | 3,530 |
| Net operating income to assets | 0.1977% | 5,895 |
| Return on assets (ROA) | 0.1977% | 6,022 |
| Pretax return on assets | 0.1977% | 6,088 |
| Return on Equity (ROE) | 2.2839% | 5,861 |
| Retained earnings to average equity (ytd only) | 0.9663% | 5,516 |
| Net charge-offs to loans | 0.0580% | 3,874 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,011 |
| Efficiency ratio | 88.5895% | 1,161 |
| Assets per employee ($millions) | 5.8128% | 1,345 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 3,828 |
| Loan loss allowance to noncurrent loans | 95.4693% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 4,685 |
| Noncurrent loans to loans | 1.5142% | 3,030 |
| Net loans and leases to total assets | 38.4440% | 6,145 |
| Net loans and leases to deposits | 42.0973% | 6,326 |
| Net loans and leases to core deposits | 42.9257% | 6,370 |
| Total domestic deposits to total assets | 91.3218% | 434 |
| Equity capital to assets | 8.4698% | 5,796 |
| Core capital (leverage) ratio | 8.5804% | 5,579 |
| Tier 1 risk-based capital ratio | 20.9070% | 1,512 |
| Total risk-based capital ratio | 22.1571% | 1,487 |
| Memoranda: | ||
| Average total assets | $52,602,330 | 6,060 |
| Average earning assets | $48,715,670 | 6,027 |
| Average equity | $4,553,670 | 6,317 |
| Average total loans | $20,677,330 | 6,268 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6468% | 6,759 |
| Cost of funding earning assets | 0.3863% | 5,229 |
| Net interest margin | 2.2604% | 6,717 |
| Noninterest income to average assets | 0.2958% | 5,338 |
| Noninterest expense to average assets | 2.1537% | 5,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2275% | 5,801 |
| Return on assets (ROA) | 0.2275% | 5,927 |
| Pretax return on assets | 0.2275% | 6,027 |
| Return on Equity (ROE) | 2.6002% | 5,737 |
| Retained earnings to average equity (ytd only) | 1.3001% | 5,328 |
| Net charge-offs to loans | -0.0769% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4459% | 1,102 |
| Assets per employee ($millions) | 5.9389% | 1,298 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 4,176 |
| Loan loss allowance to noncurrent loans | 59.5833% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 4,141 |
| Noncurrent loans to loans | 2.3691% | 2,198 |
| Net loans and leases to total assets | 37.3714% | 6,194 |
| Net loans and leases to deposits | 41.0704% | 6,376 |
| Net loans and leases to core deposits | 41.6076% | 6,414 |
| Total domestic deposits to total assets | 90.9935% | 522 |
| Equity capital to assets | 8.6286% | 5,881 |
| Core capital (leverage) ratio | 8.5531% | 5,506 |
| Tier 1 risk-based capital ratio | 20.6150% | 1,634 |
| Total risk-based capital ratio | 21.8679% | 1,599 |
| Memoranda: | ||
| Average total assets | $52,746,000 | 6,105 |
| Average earning assets | $48,663,000 | 6,080 |
| Average equity | $4,615,000 | 6,361 |
| Average total loans | $20,812,500 | 6,319 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1287% | 6,706 |
| Cost of funding earning assets | 0.5192% | 5,077 |
| Net interest margin | 2.6095% | 6,627 |
| Noninterest income to average assets | 0.3373% | 5,045 |
| Noninterest expense to average assets | 2.1594% | 6,004 |
| Loan and lease loss provision to assets | 0.1938% | 3,212 |
| Net operating income to assets | 0.2888% | 5,508 |
| Return on assets (ROA) | 0.2888% | 5,718 |
| Pretax return on assets | 0.2345% | 5,946 |
| Return on Equity (ROE) | 3.2204% | 5,463 |
| Retained earnings to average equity (ytd only) | 1.7939% | 4,958 |
| Net charge-offs to loans | 0.7299% | 1,610 |
| Credit loss provision to net charge-offs | 63.2911% | 4,365 |
| Earnings coverage of net charge-offs (x) | 1.3987% | 4,753 |
| Efficiency ratio | 83.4457% | 1,695 |
| Assets per employee ($millions) | 5.7824% | 1,437 |
| Cash dividends to net income (ytd only)* | 44.2953% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,551 |
| Loan loss allowance to noncurrent loans | 72.6098% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 4,615 |
| Noncurrent loans to loans | 1.8115% | 2,901 |
| Net loans and leases to total assets | 40.5115% | 6,139 |
| Net loans and leases to deposits | 44.6305% | 6,335 |
| Net loans and leases to core deposits | 45.2308% | 6,408 |
| Total domestic deposits to total assets | 90.7709% | 581 |
| Equity capital to assets | 8.8736% | 5,658 |
| Core capital (leverage) ratio | 8.6044% | 5,458 |
| Tier 1 risk-based capital ratio | 19.9805% | 1,683 |
| Total risk-based capital ratio | 21.2254% | 1,660 |
| Memoranda: | ||
| Average total assets | $51,588,600 | 6,161 |
| Average earning assets | $44,491,200 | 6,222 |
| Average equity | $4,626,800 | 6,406 |
| Average total loans | $21,647,200 | 6,351 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2388% | 6,769 |
| Cost of funding earning assets | 0.5510% | 5,081 |
| Net interest margin | 2.6878% | 6,661 |
| Noninterest income to average assets | 0.3419% | 5,074 |
| Noninterest expense to average assets | 2.1680% | 6,023 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3730% | 5,360 |
| Return on assets (ROA) | 0.3730% | 5,561 |
| Pretax return on assets | 0.4481% | 5,604 |
| Return on Equity (ROE) | 4.1478% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.7362% | 4,911 |
| Net charge-offs to loans | -0.0982% | 6,848 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8713% | 1,718 |
| Assets per employee ($millions) | 5.8423% | 1,343 |
| Cash dividends to net income (ytd only)* | 34.0260% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 3,280 |
| Loan loss allowance to noncurrent loans | 58.1015% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.1620% | 3,960 |
| Noncurrent loans to loans | 2.8637% | 1,962 |
| Net loans and leases to total assets | 39.9022% | 6,291 |
| Net loans and leases to deposits | 44.0343% | 6,500 |
| Net loans and leases to core deposits | 44.2955% | 6,585 |
| Total domestic deposits to total assets | 90.6164% | 551 |
| Equity capital to assets | 8.8967% | 5,923 |
| Core capital (leverage) ratio | 8.5890% | 5,637 |
| Tier 1 risk-based capital ratio | 19.9806% | 1,762 |
| Total risk-based capital ratio | 21.2357% | 1,737 |
| Memoranda: | ||
| Average total assets | $51,475,250 | 6,234 |
| Average earning assets | $43,553,500 | 6,323 |
| Average equity | $4,629,000 | 6,481 |
| Average total loans | $21,718,000 | 6,434 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2849% | 6,823 |
| Cost of funding earning assets | 0.5721% | 5,133 |
| Net interest margin | 2.7128% | 6,698 |
| Noninterest income to average assets | 0.2857% | 5,528 |
| Noninterest expense to average assets | 2.1641% | 6,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3561% | 5,397 |
| Return on assets (ROA) | 0.3561% | 5,621 |
| Pretax return on assets | 0.4226% | 5,652 |
| Return on Equity (ROE) | 3.9457% | 5,290 |
| Retained earnings to average equity (ytd only) | 2.5148% | 4,930 |
| Net charge-offs to loans | -0.1556% | 6,952 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6611% | 1,668 |
| Assets per employee ($millions) | 5.7896% | 1,383 |
| Cash dividends to net income (ytd only)* | 36.2637% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 3,426 |
| Loan loss allowance to noncurrent loans | 68.8588% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 4,392 |
| Noncurrent loans to loans | 2.3961% | 2,504 |
| Net loans and leases to total assets | 40.7266% | 6,293 |
| Net loans and leases to deposits | 44.9036% | 6,507 |
| Net loans and leases to core deposits | 44.9036% | 6,623 |
| Total domestic deposits to total assets | 90.6978% | 564 |
| Equity capital to assets | 8.9011% | 5,805 |
| Core capital (leverage) ratio | 8.6896% | 5,398 |
| Tier 1 risk-based capital ratio | 19.8909% | 1,726 |
| Total risk-based capital ratio | 21.1463% | 1,694 |
| Memoranda: | ||
| Average total assets | $51,106,670 | 6,287 |
| Average earning assets | $43,350,330 | 6,367 |
| Average equity | $4,612,670 | 6,510 |
| Average total loans | $21,845,330 | 6,478 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3306% | 6,875 |
| Cost of funding earning assets | 0.5905% | 5,212 |
| Net interest margin | 2.7401% | 6,729 |
| Noninterest income to average assets | 0.2608% | 5,784 |
| Noninterest expense to average assets | 2.1815% | 6,090 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3636% | 5,409 |
| Return on assets (ROA) | 0.3636% | 5,594 |
| Pretax return on assets | 0.4268% | 5,650 |
| Return on Equity (ROE) | 4.0000% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.4348% | 5,045 |
| Net charge-offs to loans | -0.0546% | 6,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6364% | 1,725 |
| Assets per employee ($millions) | 5.7430% | 1,480 |
| Cash dividends to net income (ytd only)* | 39.1304% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 3,909 |
| Loan loss allowance to noncurrent loans | 63.0996% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0486% | 4,397 |
| Noncurrent loans to loans | 2.4659% | 2,643 |
| Net loans and leases to total assets | 41.8635% | 6,206 |
| Net loans and leases to deposits | 46.1936% | 6,418 |
| Net loans and leases to core deposits | 46.1936% | 6,555 |
| Total domestic deposits to total assets | 90.6263% | 733 |
| Equity capital to assets | 8.9268% | 5,599 |
| Core capital (leverage) ratio | 8.6999% | 5,294 |
| Tier 1 risk-based capital ratio | 19.5651% | 1,820 |
| Total risk-based capital ratio | 20.8170% | 1,797 |
| Memoranda: | ||
| Average total assets | $50,607,000 | 6,350 |
| Average earning assets | $43,356,000 | 6,413 |
| Average equity | $4,600,000 | 6,548 |
| Average total loans | $21,979,500 | 6,515 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 6,613 |
| Cost of funding earning assets | 0.7374% | 5,291 |
| Net interest margin | 3.1640% | 6,184 |
| Noninterest income to average assets | 0.3306% | 5,174 |
| Noninterest expense to average assets | 2.3332% | 5,966 |
| Loan and lease loss provision to assets | 0.0250% | 6,259 |
| Net operating income to assets | 0.4804% | 4,507 |
| Return on assets (ROA) | 0.4804% | 4,716 |
| Pretax return on assets | 0.6135% | 4,649 |
| Return on Equity (ROE) | 5.1368% | 4,325 |
| Retained earnings to average equity (ytd only) | 3.8692% | 3,454 |
| Net charge-offs to loans | -0.0957% | 7,132 |
| Credit loss provision to net charge-offs | -57.1429% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5164% | 2,523 |
| Assets per employee ($millions) | 5.5030% | 1,635 |
| Cash dividends to net income (ytd only)* | 24.6753% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,820 |
| Loan loss allowance to noncurrent loans | 54.5016% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 4,133 |
| Noncurrent loans to loans | 2.8300% | 2,318 |
| Net loans and leases to total assets | 43.6933% | 6,235 |
| Net loans and leases to deposits | 48.3835% | 6,473 |
| Net loans and leases to core deposits | 48.3835% | 6,619 |
| Total domestic deposits to total assets | 90.3063% | 809 |
| Equity capital to assets | 9.2596% | 5,200 |
| Core capital (leverage) ratio | 8.9329% | 4,888 |
| Tier 1 risk-based capital ratio | 19.6510% | 1,714 |
| Total risk-based capital ratio | 20.9031% | 1,681 |
| Memoranda: | ||
| Average total assets | $48,088,200 | 6,420 |
| Average earning assets | $40,139,200 | 6,524 |
| Average equity | $4,497,000 | 6,597 |
| Average total loans | $21,948,600 | 6,558 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 6,585 |
| Cost of funding earning assets | 0.7760% | 5,304 |
| Net interest margin | 3.2258% | 6,092 |
| Noninterest income to average assets | 0.3296% | 5,228 |
| Noninterest expense to average assets | 2.3465% | 5,912 |
| Loan and lease loss provision to assets | 0.0335% | 6,021 |
| Net operating income to assets | 0.4833% | 4,609 |
| Return on assets (ROA) | 0.4833% | 4,808 |
| Pretax return on assets | 0.6090% | 4,778 |
| Return on Equity (ROE) | 5.1547% | 4,473 |
| Retained earnings to average equity (ytd only) | 3.9629% | 3,897 |
| Net charge-offs to loans | -0.1337% | 7,211 |
| Credit loss provision to net charge-offs | -54.5455% | 6,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5047% | 2,479 |
| Assets per employee ($millions) | 5.5409% | 1,558 |
| Cash dividends to net income (ytd only)* | 23.1206% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 3,791 |
| Loan loss allowance to noncurrent loans | 78.5219% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8683% | 5,014 |
| Noncurrent loans to loans | 2.0028% | 3,363 |
| Net loans and leases to total assets | 42.6727% | 6,450 |
| Net loans and leases to deposits | 47.2962% | 6,667 |
| Net loans and leases to core deposits | 47.2962% | 6,790 |
| Total domestic deposits to total assets | 90.2242% | 756 |
| Equity capital to assets | 9.2083% | 5,500 |
| Core capital (leverage) ratio | 8.9558% | 5,005 |
| Tier 1 risk-based capital ratio | 19.6567% | 1,770 |
| Total risk-based capital ratio | 20.9116% | 1,739 |
| Memoranda: | ||
| Average total assets | $47,728,500 | 6,492 |
| Average earning assets | $39,348,000 | 6,615 |
| Average equity | $4,474,750 | 6,655 |
| Average total loans | $21,941,000 | 6,619 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 6,474 |
| Cost of funding earning assets | 0.8168% | 5,265 |
| Net interest margin | 3.2931% | 5,879 |
| Noninterest income to average assets | 0.3233% | 5,308 |
| Noninterest expense to average assets | 2.4375% | 5,733 |
| Loan and lease loss provision to assets | 0.0510% | 5,674 |
| Net operating income to assets | 0.4296% | 4,811 |
| Return on assets (ROA) | 0.4296% | 4,960 |
| Pretax return on assets | 0.5275% | 4,975 |
| Return on Equity (ROE) | 4.5540% | 4,666 |
| Retained earnings to average equity (ytd only) | 3.2915% | 4,163 |
| Net charge-offs to loans | -0.1905% | 7,282 |
| Credit loss provision to net charge-offs | -57.1429% | 6,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8181% | 2,260 |
| Assets per employee ($millions) | 5.3437% | 1,713 |
| Cash dividends to net income (ytd only)* | 27.7228% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 3,889 |
| Loan loss allowance to noncurrent loans | 53.3858% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.3204% | 4,267 |
| Noncurrent loans to loans | 2.9096% | 2,507 |
| Net loans and leases to total assets | 44.6739% | 6,376 |
| Net loans and leases to deposits | 49.5857% | 6,631 |
| Net loans and leases to core deposits | 49.5857% | 6,775 |
| Total domestic deposits to total assets | 90.0942% | 924 |
| Equity capital to assets | 9.3756% | 5,027 |
| Core capital (leverage) ratio | 8.8542% | 4,957 |
| Tier 1 risk-based capital ratio | 19.7399% | 1,660 |
| Total risk-based capital ratio | 20.9948% | 1,631 |
| Memoranda: | ||
| Average total assets | $47,015,330 | 6,566 |
| Average earning assets | $38,444,330 | 6,702 |
| Average equity | $4,435,670 | 6,705 |
| Average total loans | $22,048,000 | 6,681 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 6,045 |
| Cost of funding earning assets | 0.8707% | 5,129 |
| Net interest margin | 3.4177% | 5,360 |
| Noninterest income to average assets | 0.3270% | 5,291 |
| Noninterest expense to average assets | 2.4270% | 5,806 |
| Loan and lease loss provision to assets | 0.0775% | 5,033 |
| Net operating income to assets | 0.4303% | 4,806 |
| Return on assets (ROA) | 0.4303% | 4,892 |
| Pretax return on assets | 0.5250% | 4,942 |
| Return on Equity (ROE) | 4.5465% | 4,626 |
| Retained earnings to average equity (ytd only) | 3.1825% | 4,263 |
| Net charge-offs to loans | -0.1444% | 7,191 |
| Credit loss provision to net charge-offs | -112.5000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1136% | 2,509 |
| Assets per employee ($millions) | 5.2193% | 1,876 |
| Cash dividends to net income (ytd only)* | 30.0000% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 4,330 |
| Loan loss allowance to noncurrent loans | 51.5974% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 4,302 |
| Noncurrent loans to loans | 2.8551% | 2,639 |
| Net loans and leases to total assets | 45.9893% | 6,289 |
| Net loans and leases to deposits | 51.0239% | 6,543 |
| Net loans and leases to core deposits | 51.3343% | 6,713 |
| Total domestic deposits to total assets | 90.1328% | 1,075 |
| Equity capital to assets | 9.3690% | 4,623 |
| Core capital (leverage) ratio | 9.1075% | 4,436 |
| Tier 1 risk-based capital ratio | 19.5576% | 1,681 |
| Total risk-based capital ratio | 20.8119% | 1,649 |
| Memoranda: | ||
| Average total assets | $46,476,500 | 6,623 |
| Average earning assets | $36,750,000 | 6,816 |
| Average equity | $4,399,000 | 6,747 |
| Average total loans | $22,160,000 | 6,731 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 6,153 |
| Cost of funding earning assets | 1.1037% | 5,118 |
| Net interest margin | 3.4826% | 5,312 |
| Noninterest income to average assets | 0.3584% | 5,244 |
| Noninterest expense to average assets | 2.6468% | 5,234 |
| Loan and lease loss provision to assets | 0.0801% | 6,353 |
| Net operating income to assets | 0.4764% | 4,207 |
| Return on assets (ROA) | 0.4764% | 4,366 |
| Pretax return on assets | 0.5677% | 4,426 |
| Return on Equity (ROE) | 4.9096% | 4,106 |
| Retained earnings to average equity (ytd only) | 4.9096% | 2,469 |
| Net charge-offs to loans | 0.1600% | 5,384 |
| Credit loss provision to net charge-offs | 97.2973% | 4,768 |
| Earnings coverage of net charge-offs (x) | 7.8649% | 2,053 |
| Efficiency ratio | 80.3378% | 2,373 |
| Assets per employee ($millions) | 4.5979% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 4,668 |
| Loan loss allowance to noncurrent loans | 49.1172% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 4,311 |
| Noncurrent loans to loans | 2.7820% | 2,741 |
| Net loans and leases to total assets | 48.0393% | 6,388 |
| Net loans and leases to deposits | 53.4391% | 6,648 |
| Net loans and leases to core deposits | 53.7722% | 6,825 |
| Total domestic deposits to total assets | 89.8954% | 1,163 |
| Equity capital to assets | 9.5631% | 4,319 |
| Core capital (leverage) ratio | 9.2012% | 4,165 |
| Tier 1 risk-based capital ratio | 19.0641% | 1,703 |
| Total risk-based capital ratio | 20.3147% | 1,669 |
| Memoranda: | ||
| Average total assets | $44,922,000 | 6,699 |
| Average earning assets | $37,874,200 | 6,796 |
| Average equity | $4,358,800 | 6,867 |
| Average total loans | $23,118,600 | 6,772 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 6,324 |
| Cost of funding earning assets | 1.1369% | 5,214 |
| Net interest margin | 3.4664% | 5,426 |
| Noninterest income to average assets | 0.3523% | 5,352 |
| Noninterest expense to average assets | 2.6721% | 4,995 |
| Loan and lease loss provision to assets | 0.0806% | 6,242 |
| Net operating income to assets | 0.4687% | 4,446 |
| Return on assets (ROA) | 0.4687% | 4,641 |
| Pretax return on assets | 0.5673% | 4,700 |
| Return on Equity (ROE) | 4.8130% | 4,395 |
| Retained earnings to average equity (ytd only) | 4.8130% | 3,116 |
| Net charge-offs to loans | 0.2117% | 4,667 |
| Credit loss provision to net charge-offs | 72.9730% | 5,342 |
| Earnings coverage of net charge-offs (x) | 5.8652% | 2,660 |
| Efficiency ratio | 80.4856% | 2,279 |
| Assets per employee ($millions) | 4.6101% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,820 |
| Loan loss allowance to noncurrent loans | 65.5629% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 5,120 |
| Noncurrent loans to loans | 2.0221% | 3,649 |
| Net loans and leases to total assets | 47.9512% | 6,523 |
| Net loans and leases to deposits | 53.5021% | 6,802 |
| Net loans and leases to core deposits | 53.8344% | 6,964 |
| Total domestic deposits to total assets | 89.6250% | 1,064 |
| Equity capital to assets | 9.6354% | 4,645 |
| Core capital (leverage) ratio | 9.1895% | 4,389 |
| Tier 1 risk-based capital ratio | 18.9487% | 1,763 |
| Total risk-based capital ratio | 20.1996% | 1,726 |
| Memoranda: | ||
| Average total assets | $44,657,750 | 6,790 |
| Average earning assets | $38,232,750 | 6,868 |
| Average equity | $4,349,250 | 6,962 |
| Average total loans | $23,299,750 | 6,850 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 6,504 |
| Cost of funding earning assets | 1.1475% | 5,421 |
| Net interest margin | 3.4374% | 5,489 |
| Noninterest income to average assets | 0.3622% | 5,252 |
| Noninterest expense to average assets | 2.7888% | 4,539 |
| Loan and lease loss provision to assets | 0.0815% | 6,118 |
| Net operating income to assets | 0.4256% | 4,634 |
| Return on assets (ROA) | 0.4256% | 4,796 |
| Pretax return on assets | 0.5025% | 4,893 |
| Return on Equity (ROE) | 4.3535% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.3535% | 3,302 |
| Net charge-offs to loans | 0.3560% | 3,574 |
| Credit loss provision to net charge-offs | 42.8571% | 5,558 |
| Earnings coverage of net charge-offs (x) | 3.0714% | 3,466 |
| Efficiency ratio | 82.6846% | 2,079 |
| Assets per employee ($millions) | 4.0564% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 5,370 |
| Loan loss allowance to noncurrent loans | 76.6938% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 5,469 |
| Noncurrent loans to loans | 1.5865% | 4,328 |
| Net loans and leases to total assets | 51.4926% | 6,268 |
| Net loans and leases to deposits | 57.5335% | 6,612 |
| Net loans and leases to core deposits | 57.9032% | 6,831 |
| Total domestic deposits to total assets | 89.5002% | 1,179 |
| Equity capital to assets | 9.7826% | 4,290 |
| Core capital (leverage) ratio | 9.3021% | 4,118 |
| Tier 1 risk-based capital ratio | 18.5619% | 1,816 |
| Total risk-based capital ratio | 19.8105% | 1,784 |
| Memoranda: | ||
| Average total assets | $44,176,670 | 6,854 |
| Average earning assets | $38,691,670 | 6,903 |
| Average equity | $4,318,330 | 7,005 |
| Average total loans | $23,598,670 | 6,885 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 6,707 |
| Cost of funding earning assets | 1.1701% | 5,553 |
| Net interest margin | 3.3677% | 5,720 |
| Noninterest income to average assets | 0.3185% | 5,596 |
| Noninterest expense to average assets | 2.9212% | 3,979 |
| Loan and lease loss provision to assets | 0.0819% | 5,820 |
| Net operating income to assets | 0.3094% | 5,259 |
| Return on assets (ROA) | 0.3094% | 5,391 |
| Pretax return on assets | 0.3276% | 5,531 |
| Return on Equity (ROE) | 3.1665% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.1665% | 4,245 |
| Net charge-offs to loans | 0.7573% | 1,995 |
| Credit loss provision to net charge-offs | 20.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,170 |
| Efficiency ratio | 87.7049% | 1,620 |
| Assets per employee ($millions) | 4.0206% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,741 |
| Loan loss allowance to noncurrent loans | 54.5272% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 4,910 |
| Noncurrent loans to loans | 2.1199% | 3,623 |
| Net loans and leases to total assets | 52.3956% | 6,229 |
| Net loans and leases to deposits | 58.4483% | 6,594 |
| Net loans and leases to core deposits | 58.8222% | 6,829 |
| Total domestic deposits to total assets | 89.6443% | 1,164 |
| Equity capital to assets | 9.7135% | 4,207 |
| Core capital (leverage) ratio | 9.2842% | 4,079 |
| Tier 1 risk-based capital ratio | 18.1458% | 1,911 |
| Total risk-based capital ratio | 19.3531% | 1,892 |
| Memoranda: | ||
| Average total assets | $43,955,000 | 6,953 |
| Average earning assets | $39,314,500 | 6,955 |
| Average equity | $4,295,000 | 7,073 |
| Average total loans | $23,768,500 | 6,958 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 6,920 |
| Cost of funding earning assets | 1.5014% | 5,507 |
| Net interest margin | 3.3126% | 5,693 |
| Noninterest income to average assets | 0.3172% | 5,815 |
| Noninterest expense to average assets | 2.9606% | 4,300 |
| Loan and lease loss provision to assets | 0.0827% | 6,780 |
| Net operating income to assets | 0.3402% | 4,375 |
| Return on assets (ROA) | 0.3402% | 4,461 |
| Pretax return on assets | 0.3471% | 4,650 |
| Return on Equity (ROE) | 3.4817% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.4817% | 2,732 |
| Net charge-offs to loans | 0.1212% | 5,966 |
| Credit loss provision to net charge-offs | 120.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | 6.2333% | 2,410 |
| Efficiency ratio | 87.3220% | 1,949 |
| Assets per employee ($millions) | 3.9712% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 4,912 |
| Loan loss allowance to noncurrent loans | 61.8952% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 4,822 |
| Noncurrent loans to loans | 2.0587% | 3,576 |
| Net loans and leases to total assets | 54.4514% | 6,146 |
| Net loans and leases to deposits | 60.8353% | 6,576 |
| Net loans and leases to core deposits | 66.6910% | 6,948 |
| Total domestic deposits to total assets | 89.5062% | 1,205 |
| Equity capital to assets | 9.8299% | 3,971 |
| Core capital (leverage) ratio | 9.1741% | 4,162 |
| Tier 1 risk-based capital ratio | 17.4115% | 2,050 |
| Total risk-based capital ratio | 18.6614% | 2,007 |
| Memoranda: | ||
| Average total assets | $43,505,000 | 6,965 |
| Average earning assets | $40,361,400 | 6,930 |
| Average equity | $4,250,800 | 7,192 |
| Average total loans | $24,750,400 | 6,927 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 7,010 |
| Cost of funding earning assets | 1.5662% | 5,561 |
| Net interest margin | 3.2838% | 5,704 |
| Noninterest income to average assets | 0.3528% | 5,669 |
| Noninterest expense to average assets | 3.0126% | 3,996 |
| Loan and lease loss provision to assets | 0.0828% | 6,542 |
| Net operating income to assets | 0.3160% | 4,735 |
| Return on assets (ROA) | 0.3160% | 4,843 |
| Pretax return on assets | 0.3190% | 5,009 |
| Return on Equity (ROE) | 3.2389% | 4,685 |
| Retained earnings to average equity (ytd only) | 3.2389% | 3,506 |
| Net charge-offs to loans | -0.0321% | 7,810 |
| Credit loss provision to net charge-offs | -450.0000% | 7,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2300% | 1,850 |
| Assets per employee ($millions) | 4.0251% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 4,076 |
| Loan loss allowance to noncurrent loans | 62.9002% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.2445% | 4,578 |
| Noncurrent loans to loans | 2.1891% | 3,389 |
| Net loans and leases to total assets | 54.0315% | 6,378 |
| Net loans and leases to deposits | 60.4040% | 6,799 |
| Net loans and leases to core deposits | 66.1715% | 7,156 |
| Total domestic deposits to total assets | 89.4503% | 992 |
| Equity capital to assets | 9.7389% | 4,436 |
| Core capital (leverage) ratio | 9.0563% | 4,568 |
| Tier 1 risk-based capital ratio | 17.2616% | 2,196 |
| Total risk-based capital ratio | 18.5150% | 2,141 |
| Memoranda: | ||
| Average total assets | $43,460,500 | 7,016 |
| Average earning assets | $40,521,250 | 6,977 |
| Average equity | $4,240,000 | 7,265 |
| Average total loans | $24,914,750 | 6,984 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 6,968 |
| Cost of funding earning assets | 1.6481% | 5,523 |
| Net interest margin | 3.2813% | 5,618 |
| Noninterest income to average assets | 0.3334% | 5,845 |
| Noninterest expense to average assets | 2.9915% | 4,121 |
| Loan and lease loss provision to assets | 0.0834% | 6,344 |
| Net operating income to assets | 0.3010% | 4,892 |
| Return on assets (ROA) | 0.3010% | 5,007 |
| Pretax return on assets | 0.3195% | 5,163 |
| Return on Equity (ROE) | 3.0835% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.0835% | 3,600 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1310% | 2,003 |
| Assets per employee ($millions) | 3.9539% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 4,190 |
| Loan loss allowance to noncurrent loans | 61.8217% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.2669% | 4,406 |
| Noncurrent loans to loans | 2.1257% | 3,342 |
| Net loans and leases to total assets | 55.0778% | 6,329 |
| Net loans and leases to deposits | 61.5683% | 6,770 |
| Net loans and leases to core deposits | 66.8313% | 7,178 |
| Total domestic deposits to total assets | 89.4581% | 1,061 |
| Equity capital to assets | 9.7303% | 4,303 |
| Core capital (leverage) ratio | 9.0688% | 4,516 |
| Tier 1 risk-based capital ratio | 17.3135% | 2,208 |
| Total risk-based capital ratio | 18.5649% | 2,146 |
| Memoranda: | ||
| Average total assets | $43,188,670 | 7,089 |
| Average earning assets | $40,289,000 | 7,044 |
| Average equity | $4,216,000 | 7,333 |
| Average total loans | $25,134,000 | 7,021 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 6,644 |
| Cost of funding earning assets | 1.7500% | 5,353 |
| Net interest margin | 3.3509% | 5,319 |
| Noninterest income to average assets | 0.3160% | 5,914 |
| Noninterest expense to average assets | 2.9742% | 3,878 |
| Loan and lease loss provision to assets | 0.0836% | 5,886 |
| Net operating income to assets | 0.3625% | 5,006 |
| Return on assets (ROA) | 0.3625% | 5,193 |
| Pretax return on assets | 0.3904% | 5,425 |
| Return on Equity (ROE) | 3.7072% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.7072% | 3,839 |
| Net charge-offs to loans | -0.0626% | 7,763 |
| Credit loss provision to net charge-offs | -225.0000% | 6,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2534% | 2,041 |
| Assets per employee ($millions) | 3.8998% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 4,358 |
| Loan loss allowance to noncurrent loans | 69.7778% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1306% | 4,417 |
| Noncurrent loans to loans | 1.8025% | 3,557 |
| Net loans and leases to total assets | 57.4665% | 6,031 |
| Net loans and leases to deposits | 64.2649% | 6,538 |
| Net loans and leases to core deposits | 69.8159% | 7,031 |
| Total domestic deposits to total assets | 89.4214% | 1,044 |
| Equity capital to assets | 9.7977% | 4,241 |
| Core capital (leverage) ratio | 9.0324% | 4,648 |
| Tier 1 risk-based capital ratio | 16.7963% | 2,407 |
| Total risk-based capital ratio | 18.0482% | 2,336 |
| Memoranda: | ||
| Average total assets | $43,036,500 | 7,132 |
| Average earning assets | $40,227,500 | 7,086 |
| Average equity | $4,208,000 | 7,383 |
| Average total loans | $25,564,000 | 7,022 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5008% | 7,304 |
| Cost of funding earning assets | 2.3056% | 5,122 |
| Net interest margin | 3.1953% | 6,383 |
| Noninterest income to average assets | 0.3777% | 5,666 |
| Noninterest expense to average assets | 2.6463% | 5,463 |
| Loan and lease loss provision to assets | 1.0495% | 1,396 |
| Net operating income to assets | -0.0927% | 6,485 |
| Return on assets (ROA) | -0.0927% | 6,336 |
| Pretax return on assets | -0.2963% | 6,456 |
| Return on Equity (ROE) | -0.9881% | 6,361 |
| Retained earnings to average equity (ytd only) | -3.9524% | 6,316 |
| Net charge-offs to loans | 1.6016% | 710 |
| Credit loss provision to net charge-offs | 107.1594% | 5,008 |
| Earnings coverage of net charge-offs (x) | 0.7691% | 5,766 |
| Efficiency ratio | 77.8443% | 2,940 |
| Assets per employee ($millions) | 3.5979% | 4,419 |
| Cash dividends to net income (ytd only)* | -300.0000% | 8,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 4,913 |
| Loan loss allowance to noncurrent loans | 37.2525% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 1.8715% | 2,632 |
| Noncurrent loans to loans | 3.0884% | 1,729 |
| Net loans and leases to total assets | 59.8981% | 5,924 |
| Net loans and leases to deposits | 66.9783% | 6,566 |
| Net loans and leases to core deposits | 72.4256% | 7,055 |
| Total domestic deposits to total assets | 89.4291% | 872 |
| Equity capital to assets | 9.7580% | 4,353 |
| Core capital (leverage) ratio | 8.9506% | 4,811 |
| Tier 1 risk-based capital ratio | 15.9823% | 2,670 |
| Total risk-based capital ratio | 17.2183% | 2,621 |
| Memoranda: | ||
| Average total assets | $44,213,000 | 7,019 |
| Average earning assets | $41,811,800 | 6,955 |
| Average equity | $4,149,400 | 7,450 |
| Average total loans | $27,035,000 | 6,894 |