Home > The Morris County National Bank of Naples > Performance and Condition Ratios
The Morris County National Bank of Naples, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 2,149 |
| Cost of funding earning assets | 0.7356% | 1,539 |
| Net interest margin | 3.4614% | 2,591 |
| Noninterest income to average assets | 1.2802% | 695 |
| Noninterest expense to average assets | 3.4058% | 790 |
| Loan and lease loss provision to assets | 0.2212% | 1,768 |
| Net operating income to assets | 0.8224% | 3,006 |
| Return on assets (ROA) | 0.8224% | 3,130 |
| Pretax return on assets | 0.8224% | 3,574 |
| Return on Equity (ROE) | 7.3954% | 3,034 |
| Retained earnings to average equity (ytd only) | 4.6381% | 2,458 |
| Net charge-offs to loans | 0.0829% | 1,640 |
| Credit loss provision to net charge-offs | 439.1304% | 1,353 |
| Earnings coverage of net charge-offs (x) | 20.7174% | 1,931 |
| Efficiency ratio | 76.5444% | 1,168 |
| Assets per employee ($millions) | 3.8841% | 4,450 |
| Cash dividends to net income (ytd only)* | 37.2836% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2849% | 362 |
| Loan loss allowance to noncurrent loans | 40.5841% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 3.4892% | 84 |
| Noncurrent loans to loans | 5.6300% | 64 |
| Net loans and leases to total assets | 57.8772% | 3,096 |
| Net loans and leases to deposits | 65.8113% | 3,293 |
| Net loans and leases to core deposits | 73.1264% | 2,988 |
| Total domestic deposits to total assets | 87.9441% | 1,501 |
| Equity capital to assets | 11.8902% | 1,626 |
| Core capital (leverage) ratio | 12.2731% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6973% | 810 |
| Memoranda: | ||
| Average total assets | $91,314,600 | 4,106 |
| Average earning assets | $83,606,600 | 4,107 |
| Average equity | $10,155,000 | 4,178 |
| Average total loans | $55,472,600 | 3,989 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 1,323 |
| Cost of funding earning assets | 0.8039% | 1,482 |
| Net interest margin | 3.7913% | 1,642 |
| Noninterest income to average assets | 1.1879% | 757 |
| Noninterest expense to average assets | 3.3155% | 887 |
| Loan and lease loss provision to assets | 0.2930% | 1,384 |
| Net operating income to assets | 1.0514% | 2,138 |
| Return on assets (ROA) | 1.0514% | 2,275 |
| Pretax return on assets | 1.0514% | 2,903 |
| Return on Equity (ROE) | 9.6163% | 2,160 |
| Retained earnings to average equity (ytd only) | 5.8973% | 2,144 |
| Net charge-offs to loans | 0.0879% | 1,422 |
| Credit loss provision to net charge-offs | 545.9459% | 1,224 |
| Earnings coverage of net charge-offs (x) | 25.0270% | 1,738 |
| Efficiency ratio | 71.1437% | 1,734 |
| Assets per employee ($millions) | 3.7799% | 4,494 |
| Cash dividends to net income (ytd only)* | 38.6740% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1961% | 357 |
| Loan loss allowance to noncurrent loans | 50.0822% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 2.7408% | 176 |
| Noncurrent loans to loans | 4.3849% | 141 |
| Net loans and leases to total assets | 57.4039% | 3,478 |
| Net loans and leases to deposits | 64.7763% | 3,727 |
| Net loans and leases to core deposits | 71.4634% | 3,521 |
| Total domestic deposits to total assets | 88.6187% | 933 |
| Equity capital to assets | 11.2109% | 2,221 |
| Core capital (leverage) ratio | 10.4622% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3833% | 1,163 |
| Memoranda: | ||
| Average total assets | $91,809,750 | 4,101 |
| Average earning assets | $84,085,250 | 4,107 |
| Average equity | $10,038,250 | 4,200 |
| Average total loans | $56,112,500 | 3,998 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 781 |
| Cost of funding earning assets | 0.9129% | 1,314 |
| Net interest margin | 4.1213% | 1,072 |
| Noninterest income to average assets | 1.5289% | 442 |
| Noninterest expense to average assets | 3.6232% | 631 |
| Loan and lease loss provision to assets | 0.3652% | 1,149 |
| Net operating income to assets | 1.3045% | 1,347 |
| Return on assets (ROA) | 1.3045% | 1,453 |
| Pretax return on assets | 1.3045% | 2,016 |
| Return on Equity (ROE) | 12.0369% | 1,324 |
| Retained earnings to average equity (ytd only) | 6.3534% | 1,922 |
| Net charge-offs to loans | 0.1136% | 1,166 |
| Credit loss provision to net charge-offs | 518.7500% | 1,203 |
| Earnings coverage of net charge-offs (x) | 23.7188% | 1,592 |
| Efficiency ratio | 68.4539% | 2,177 |
| Assets per employee ($millions) | 4.2952% | 4,003 |
| Cash dividends to net income (ytd only)* | 47.2175% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0783% | 389 |
| Loan loss allowance to noncurrent loans | 56.2085% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.4002% | 245 |
| Noncurrent loans to loans | 3.6975% | 201 |
| Net loans and leases to total assets | 59.1350% | 3,415 |
| Net loans and leases to deposits | 66.6075% | 3,671 |
| Net loans and leases to core deposits | 73.4380% | 3,492 |
| Total domestic deposits to total assets | 88.7813% | 829 |
| Equity capital to assets | 11.0208% | 2,324 |
| Core capital (leverage) ratio | 10.5979% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5171% | 1,362 |
| Memoranda: | ||
| Average total assets | $90,914,000 | 4,115 |
| Average earning assets | $83,031,667 | 4,125 |
| Average equity | $9,853,000 | 4,234 |
| Average total loans | $56,329,000 | 4,011 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 915 |
| Cost of funding earning assets | 0.9789% | 1,514 |
| Net interest margin | 4.0491% | 1,256 |
| Noninterest income to average assets | 2.6859% | 175 |
| Noninterest expense to average assets | 3.8831% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.4751% | 114 |
| Return on assets (ROA) | 2.4751% | 122 |
| Pretax return on assets | 2.4751% | 174 |
| Return on Equity (ROE) | 22.8678% | 99 |
| Retained earnings to average equity (ytd only) | 11.2682% | 531 |
| Net charge-offs to loans | 0.0858% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 958 |
| Efficiency ratio | 61.0719% | 3,606 |
| Assets per employee ($millions) | 3.1606% | 4,711 |
| Cash dividends to net income (ytd only)* | 50.7246% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 605 |
| Loan loss allowance to noncurrent loans | 76.5269% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.7142% | 566 |
| Noncurrent loans to loans | 2.4852% | 489 |
| Net loans and leases to total assets | 60.6174% | 3,434 |
| Net loans and leases to deposits | 72.6923% | 3,387 |
| Net loans and leases to core deposits | 81.2554% | 3,088 |
| Total domestic deposits to total assets | 83.3891% | 2,983 |
| Equity capital to assets | 10.7813% | 3,065 |
| Core capital (leverage) ratio | 11.3894% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7182% | 1,191 |
| Memoranda: | ||
| Average total assets | $89,207,000 | 4,130 |
| Average earning assets | $80,907,500 | 4,152 |
| Average equity | $9,655,500 | 4,276 |
| Average total loans | $55,961,000 | 4,033 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1800% | 1,043 |
| Cost of funding earning assets | 1.1003% | 1,325 |
| Net interest margin | 4.0797% | 1,595 |
| Noninterest income to average assets | 0.9061% | 1,170 |
| Noninterest expense to average assets | 3.6721% | 788 |
| Loan and lease loss provision to assets | 0.5362% | 231 |
| Net operating income to assets | 0.4362% | 4,529 |
| Return on assets (ROA) | 0.4351% | 4,563 |
| Pretax return on assets | 0.4351% | 4,658 |
| Return on Equity (ROE) | 4.3786% | 4,377 |
| Retained earnings to average equity (ytd only) | 4.3786% | 2,775 |
| Net charge-offs to loans | 0.6977% | 242 |
| Credit loss provision to net charge-offs | 119.6602% | 2,114 |
| Earnings coverage of net charge-offs (x) | 2.1699% | 3,447 |
| Efficiency ratio | 79.0632% | 1,027 |
| Assets per employee ($millions) | 2.9973% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8379% | 619 |
| Loan loss allowance to noncurrent loans | 66.9211% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.9240% | 425 |
| Noncurrent loans to loans | 2.7464% | 378 |
| Net loans and leases to total assets | 62.4858% | 3,357 |
| Net loans and leases to deposits | 76.9935% | 3,092 |
| Net loans and leases to core deposits | 86.1167% | 2,783 |
| Total domestic deposits to total assets | 81.1573% | 3,732 |
| Equity capital to assets | 10.8655% | 3,120 |
| Core capital (leverage) ratio | 10.9616% | 2,532 |
| Tier 1 risk-based capital ratio | 15.2166% | 2,691 |
| Total risk-based capital ratio | 16.4714% | 2,626 |
| Memoranda: | ||
| Average total assets | $91,937,400 | 4,112 |
| Average earning assets | $84,246,400 | 4,117 |
| Average equity | $9,135,400 | 4,358 |
| Average total loans | $59,055,000 | 4,003 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1726% | 1,100 |
| Cost of funding earning assets | 1.1124% | 1,299 |
| Net interest margin | 4.0601% | 1,731 |
| Noninterest income to average assets | 0.9966% | 943 |
| Noninterest expense to average assets | 3.7947% | 663 |
| Loan and lease loss provision to assets | 0.7111% | 148 |
| Net operating income to assets | 0.2336% | 4,921 |
| Return on assets (ROA) | 0.2322% | 4,934 |
| Pretax return on assets | 0.2322% | 4,962 |
| Return on Equity (ROE) | 2.3913% | 4,858 |
| Retained earnings to average equity (ytd only) | 2.3913% | 4,140 |
| Net charge-offs to loans | 0.8536% | 179 |
| Credit loss provision to net charge-offs | 129.3963% | 1,832 |
| Earnings coverage of net charge-offs (x) | 1.7191% | 3,262 |
| Efficiency ratio | 80.0670% | 917 |
| Assets per employee ($millions) | 2.9888% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 605 |
| Loan loss allowance to noncurrent loans | 54.5317% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.2461% | 344 |
| Noncurrent loans to loans | 3.3932% | 252 |
| Net loans and leases to total assets | 64.0662% | 3,282 |
| Net loans and leases to deposits | 78.8127% | 3,028 |
| Net loans and leases to core deposits | 87.7706% | 2,756 |
| Total domestic deposits to total assets | 81.2892% | 3,666 |
| Equity capital to assets | 10.6117% | 3,455 |
| Core capital (leverage) ratio | 10.8632% | 2,779 |
| Tier 1 risk-based capital ratio | 14.5639% | 3,042 |
| Total risk-based capital ratio | 15.8196% | 2,968 |
| Memoranda: | ||
| Average total assets | $92,442,250 | 4,157 |
| Average earning assets | $85,216,500 | 4,160 |
| Average equity | $8,976,750 | 4,426 |
| Average total loans | $59,509,250 | 4,041 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 1,096 |
| Cost of funding earning assets | 1.0992% | 1,307 |
| Net interest margin | 4.0538% | 1,749 |
| Noninterest income to average assets | 1.1995% | 592 |
| Noninterest expense to average assets | 3.9733% | 556 |
| Loan and lease loss provision to assets | 1.0560% | 91 |
| Net operating income to assets | -0.0857% | 5,126 |
| Return on assets (ROA) | -0.0878% | 5,131 |
| Pretax return on assets | -0.0878% | 5,128 |
| Return on Equity (ROE) | -0.9314% | 5,140 |
| Retained earnings to average equity (ytd only) | -0.9314% | 4,820 |
| Net charge-offs to loans | 1.2167% | 106 |
| Credit loss provision to net charge-offs | 135.4396% | 1,614 |
| Earnings coverage of net charge-offs (x) | 1.2445% | 3,038 |
| Efficiency ratio | 80.3726% | 940 |
| Assets per employee ($millions) | 2.7285% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 627 |
| Loan loss allowance to noncurrent loans | 68.3230% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 551 |
| Noncurrent loans to loans | 2.6986% | 403 |
| Net loans and leases to total assets | 65.0370% | 3,232 |
| Net loans and leases to deposits | 81.5406% | 2,781 |
| Net loans and leases to core deposits | 90.5913% | 2,549 |
| Total domestic deposits to total assets | 79.7603% | 4,078 |
| Equity capital to assets | 10.2476% | 3,748 |
| Core capital (leverage) ratio | 9.7369% | 3,896 |
| Tier 1 risk-based capital ratio | 13.9638% | 3,339 |
| Total risk-based capital ratio | 15.2225% | 3,244 |
| Memoranda: | ||
| Average total assets | $93,374,330 | 4,166 |
| Average earning assets | $86,241,000 | 4,172 |
| Average equity | $8,803,670 | 4,465 |
| Average total loans | $59,836,330 | 4,054 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 1,317 |
| Cost of funding earning assets | 1.0777% | 1,267 |
| Net interest margin | 3.9334% | 2,082 |
| Noninterest income to average assets | 0.6006% | 2,041 |
| Noninterest expense to average assets | 4.1286% | 446 |
| Loan and lease loss provision to assets | 0.2898% | 456 |
| Net operating income to assets | -0.1848% | 5,203 |
| Return on assets (ROA) | -0.1848% | 5,200 |
| Pretax return on assets | -0.1848% | 5,195 |
| Return on Equity (ROE) | -2.0024% | 5,216 |
| Retained earnings to average equity (ytd only) | -2.0024% | 4,744 |
| Net charge-offs to loans | 0.2596% | 562 |
| Credit loss provision to net charge-offs | 176.9231% | 1,127 |
| Earnings coverage of net charge-offs (x) | 0.6410% | 2,652 |
| Efficiency ratio | 97.5198% | 202 |
| Assets per employee ($millions) | 2.8757% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 928 |
| Loan loss allowance to noncurrent loans | 64.0665% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.6512% | 674 |
| Noncurrent loans to loans | 2.6009% | 494 |
| Net loans and leases to total assets | 62.3105% | 3,474 |
| Net loans and leases to deposits | 78.4015% | 3,019 |
| Net loans and leases to core deposits | 86.6035% | 2,816 |
| Total domestic deposits to total assets | 79.4761% | 4,256 |
| Equity capital to assets | 9.3963% | 4,347 |
| Core capital (leverage) ratio | 9.8670% | 3,744 |
| Tier 1 risk-based capital ratio | 12.3028% | 4,296 |
| Total risk-based capital ratio | 13.5538% | 4,157 |
| Memoranda: | ||
| Average total assets | $95,238,000 | 4,178 |
| Average earning assets | $87,963,500 | 4,180 |
| Average equity | $8,789,500 | 4,502 |
| Average total loans | $60,086,000 | 4,084 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7273% | 1,739 |
| Cost of funding earning assets | 0.8291% | 1,401 |
| Net interest margin | 3.8982% | 2,335 |
| Noninterest income to average assets | 0.6493% | 2,050 |
| Noninterest expense to average assets | 3.4039% | 1,146 |
| Loan and lease loss provision to assets | 0.7101% | 141 |
| Net operating income to assets | 0.1177% | 5,169 |
| Return on assets (ROA) | 0.1177% | 5,163 |
| Pretax return on assets | 0.1177% | 5,166 |
| Return on Equity (ROE) | 1.3661% | 5,125 |
| Retained earnings to average equity (ytd only) | -0.8683% | 5,076 |
| Net charge-offs to loans | 0.5726% | 302 |
| Credit loss provision to net charge-offs | 198.3287% | 1,455 |
| Earnings coverage of net charge-offs (x) | 2.3120% | 3,534 |
| Efficiency ratio | 80.4384% | 919 |
| Assets per employee ($millions) | 3.1859% | 4,852 |
| Cash dividends to net income (ytd only)* | 163.5593% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 991 |
| Loan loss allowance to noncurrent loans | 62.2436% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.6353% | 674 |
| Noncurrent loans to loans | 2.5984% | 457 |
| Net loans and leases to total assets | 61.8004% | 3,588 |
| Net loans and leases to deposits | 78.5142% | 3,107 |
| Net loans and leases to core deposits | 86.7612% | 2,860 |
| Total domestic deposits to total assets | 78.7125% | 4,366 |
| Equity capital to assets | 9.0628% | 4,528 |
| Core capital (leverage) ratio | 9.3715% | 4,275 |
| Tier 1 risk-based capital ratio | 13.2890% | 3,666 |
| Total risk-based capital ratio | 14.4565% | 3,606 |
| Memoranda: | ||
| Average total assets | $100,267,400 | 4,095 |
| Average earning assets | $92,145,200 | 4,104 |
| Average equity | $8,637,600 | 4,507 |
| Average total loans | $62,696,200 | 4,032 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 1,540 |
| Cost of funding earning assets | 0.7726% | 1,463 |
| Net interest margin | 3.9805% | 2,012 |
| Noninterest income to average assets | 0.7649% | 1,607 |
| Noninterest expense to average assets | 3.3986% | 1,119 |
| Loan and lease loss provision to assets | 0.8135% | 110 |
| Net operating income to assets | 0.2024% | 5,193 |
| Return on assets (ROA) | 0.2024% | 5,188 |
| Pretax return on assets | 0.2024% | 5,202 |
| Return on Equity (ROE) | 2.3757% | 5,088 |
| Retained earnings to average equity (ytd only) | -0.6017% | 5,104 |
| Net charge-offs to loans | 0.4188% | 383 |
| Credit loss provision to net charge-offs | 311.0553% | 997 |
| Earnings coverage of net charge-offs (x) | 3.8844% | 3,118 |
| Efficiency ratio | 76.9872% | 1,228 |
| Assets per employee ($millions) | 3.3293% | 4,745 |
| Cash dividends to net income (ytd only)* | 125.3251% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 896 |
| Loan loss allowance to noncurrent loans | 59.9193% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.7591% | 677 |
| Noncurrent loans to loans | 2.8193% | 412 |
| Net loans and leases to total assets | 60.5389% | 3,793 |
| Net loans and leases to deposits | 73.6041% | 3,631 |
| Net loans and leases to core deposits | 80.5964% | 3,449 |
| Total domestic deposits to total assets | 82.2493% | 3,541 |
| Equity capital to assets | 8.5084% | 4,918 |
| Core capital (leverage) ratio | 9.0455% | 4,662 |
| Tier 1 risk-based capital ratio | 13.3865% | 3,686 |
| Total risk-based capital ratio | 14.6389% | 3,611 |
| Memoranda: | ||
| Average total assets | $101,451,500 | 4,116 |
| Average earning assets | $93,018,000 | 4,127 |
| Average equity | $8,642,750 | 4,550 |
| Average total loans | $63,360,500 | 4,057 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 1,543 |
| Cost of funding earning assets | 0.7012% | 1,614 |
| Net interest margin | 3.9821% | 1,919 |
| Noninterest income to average assets | 0.6804% | 1,955 |
| Noninterest expense to average assets | 3.2822% | 1,366 |
| Loan and lease loss provision to assets | 1.0450% | 76 |
| Net operating income to assets | 0.0274% | 5,327 |
| Return on assets (ROA) | 0.0274% | 5,322 |
| Pretax return on assets | 0.0274% | 5,325 |
| Return on Equity (ROE) | 0.3211% | 5,318 |
| Retained earnings to average equity (ytd only) | -4.1052% | 5,251 |
| Net charge-offs to loans | 0.5908% | 253 |
| Credit loss provision to net charge-offs | 282.0106% | 1,055 |
| Earnings coverage of net charge-offs (x) | 2.8942% | 2,936 |
| Efficiency ratio | 75.3715% | 1,511 |
| Assets per employee ($millions) | 2.9471% | 5,133 |
| Cash dividends to net income (ytd only)* | 1,378.5714% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,310 |
| Loan loss allowance to noncurrent loans | 54.5970% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.7834% | 659 |
| Noncurrent loans to loans | 2.7959% | 433 |
| Net loans and leases to total assets | 61.9345% | 3,609 |
| Net loans and leases to deposits | 75.2276% | 3,426 |
| Net loans and leases to core deposits | 82.6055% | 3,195 |
| Total domestic deposits to total assets | 82.3295% | 3,621 |
| Equity capital to assets | 8.4939% | 4,944 |
| Core capital (leverage) ratio | 8.8653% | 4,823 |
| Tier 1 risk-based capital ratio | 13.3849% | 3,679 |
| Total risk-based capital ratio | 14.6359% | 3,601 |
| Memoranda: | ||
| Average total assets | $102,005,670 | 4,143 |
| Average earning assets | $94,121,670 | 4,145 |
| Average equity | $8,720,670 | 4,580 |
| Average total loans | $63,979,330 | 4,069 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 1,443 |
| Cost of funding earning assets | 0.6688% | 1,612 |
| Net interest margin | 3.9791% | 1,790 |
| Noninterest income to average assets | 0.7818% | 1,512 |
| Noninterest expense to average assets | 3.2316% | 1,501 |
| Loan and lease loss provision to assets | 0.1393% | 1,353 |
| Net operating income to assets | 1.0720% | 2,556 |
| Return on assets (ROA) | 1.0720% | 2,569 |
| Pretax return on assets | 1.0720% | 3,272 |
| Return on Equity (ROE) | 11.9512% | 1,595 |
| Retained earnings to average equity (ytd only) | 3.4516% | 3,822 |
| Net charge-offs to loans | 0.1115% | 1,111 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 17.3889% | 1,584 |
| Efficiency ratio | 72.7352% | 2,084 |
| Assets per employee ($millions) | 3.0111% | 5,144 |
| Cash dividends to net income (ytd only)* | 71.1191% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,315 |
| Loan loss allowance to noncurrent loans | 83.6364% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 1,838 |
| Noncurrent loans to loans | 1.1100% | 1,651 |
| Net loans and leases to total assets | 62.3339% | 3,509 |
| Net loans and leases to deposits | 76.0943% | 3,205 |
| Net loans and leases to core deposits | 83.4074% | 3,023 |
| Total domestic deposits to total assets | 81.9167% | 3,988 |
| Equity capital to assets | 8.8849% | 4,677 |
| Core capital (leverage) ratio | 9.1648% | 4,484 |
| Tier 1 risk-based capital ratio | 13.4411% | 3,694 |
| Total risk-based capital ratio | 14.2815% | 3,846 |
| Memoranda: | ||
| Average total assets | $103,353,500 | 4,170 |
| Average earning assets | $95,097,500 | 4,169 |
| Average equity | $9,271,000 | 4,546 |
| Average total loans | $64,556,500 | 4,081 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 1,075 |
| Cost of funding earning assets | 0.5194% | 2,184 |
| Net interest margin | 4.2308% | 1,127 |
| Noninterest income to average assets | 0.8946% | 1,285 |
| Noninterest expense to average assets | 3.2003% | 1,610 |
| Loan and lease loss provision to assets | 0.1422% | 1,597 |
| Net operating income to assets | 1.4050% | 1,008 |
| Return on assets (ROA) | 1.4050% | 1,024 |
| Pretax return on assets | 1.4050% | 1,972 |
| Return on Equity (ROE) | 14.8717% | 629 |
| Retained earnings to average equity (ytd only) | 4.5159% | 2,442 |
| Net charge-offs to loans | 0.5768% | 399 |
| Credit loss provision to net charge-offs | 39.1667% | 3,445 |
| Earnings coverage of net charge-offs (x) | 4.2611% | 3,492 |
| Efficiency ratio | 67.4102% | 3,017 |
| Assets per employee ($millions) | 3.0686% | 5,147 |
| Cash dividends to net income (ytd only)* | 69.6339% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 4,485 |
| Loan loss allowance to noncurrent loans | 160.2210% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 2,858 |
| Noncurrent loans to loans | 0.5595% | 2,819 |
| Net loans and leases to total assets | 61.4582% | 3,685 |
| Net loans and leases to deposits | 78.3844% | 3,078 |
| Net loans and leases to core deposits | 92.0801% | 2,373 |
| Total domestic deposits to total assets | 78.4062% | 4,653 |
| Equity capital to assets | 9.0539% | 4,665 |
| Core capital (leverage) ratio | 9.0701% | 4,559 |
| Tier 1 risk-based capital ratio | 13.2095% | 3,784 |
| Total risk-based capital ratio | 14.0206% | 3,942 |
| Memoranda: | ||
| Average total assets | $99,147,400 | 4,253 |
| Average earning assets | $90,289,400 | 4,282 |
| Average equity | $9,366,800 | 4,547 |
| Average total loans | $62,414,000 | 4,143 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 1,053 |
| Cost of funding earning assets | 0.4890% | 2,365 |
| Net interest margin | 4.2538% | 1,038 |
| Noninterest income to average assets | 0.9252% | 1,201 |
| Noninterest expense to average assets | 3.2007% | 1,555 |
| Loan and lease loss provision to assets | 0.1417% | 1,493 |
| Net operating income to assets | 1.4470% | 999 |
| Return on assets (ROA) | 1.4470% | 1,011 |
| Pretax return on assets | 1.4470% | 1,953 |
| Return on Equity (ROE) | 15.1488% | 635 |
| Retained earnings to average equity (ytd only) | 7.5174% | 1,424 |
| Net charge-offs to loans | 0.2350% | 914 |
| Credit loss provision to net charge-offs | 95.4128% | 2,383 |
| Earnings coverage of net charge-offs (x) | 10.6972% | 2,570 |
| Efficiency ratio | 66.8279% | 3,077 |
| Assets per employee ($millions) | 3.3491% | 4,913 |
| Cash dividends to net income (ytd only)* | 50.3771% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,665 |
| Loan loss allowance to noncurrent loans | 126.4331% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 2,046 |
| Noncurrent loans to loans | 0.9855% | 1,957 |
| Net loans and leases to total assets | 60.6147% | 3,797 |
| Net loans and leases to deposits | 74.0167% | 3,560 |
| Net loans and leases to core deposits | 86.0573% | 2,960 |
| Total domestic deposits to total assets | 81.8932% | 3,814 |
| Equity capital to assets | 9.3053% | 4,643 |
| Core capital (leverage) ratio | 9.5880% | 4,046 |
| Tier 1 risk-based capital ratio | 12.4461% | 4,352 |
| Total risk-based capital ratio | 13.4967% | 4,366 |
| Memoranda: | ||
| Average total assets | $97,851,500 | 4,316 |
| Average earning assets | $88,891,750 | 4,351 |
| Average equity | $9,347,000 | 4,598 |
| Average total loans | $61,842,500 | 4,197 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 775 |
| Cost of funding earning assets | 0.4809% | 2,322 |
| Net interest margin | 4.3669% | 745 |
| Noninterest income to average assets | 0.9660% | 1,097 |
| Noninterest expense to average assets | 3.1692% | 1,659 |
| Loan and lease loss provision to assets | 0.1398% | 1,471 |
| Net operating income to assets | 1.6357% | 642 |
| Return on assets (ROA) | 1.6357% | 664 |
| Pretax return on assets | 1.6357% | 1,237 |
| Return on Equity (ROE) | 16.9654% | 414 |
| Retained earnings to average equity (ytd only) | 5.3883% | 2,471 |
| Net charge-offs to loans | 0.1274% | 1,398 |
| Credit loss provision to net charge-offs | 171.7949% | 1,396 |
| Earnings coverage of net charge-offs (x) | 21.8205% | 1,735 |
| Efficiency ratio | 64.0928% | 3,654 |
| Assets per employee ($millions) | 3.1252% | 5,167 |
| Cash dividends to net income (ytd only)* | 68.2398% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,343 |
| Loan loss allowance to noncurrent loans | 110.8579% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.0229% | 1,711 |
| Noncurrent loans to loans | 1.1853% | 1,648 |
| Net loans and leases to total assets | 64.1075% | 3,370 |
| Net loans and leases to deposits | 79.7842% | 2,935 |
| Net loans and leases to core deposits | 87.3678% | 2,760 |
| Total domestic deposits to total assets | 80.3512% | 4,337 |
| Equity capital to assets | 9.9225% | 4,001 |
| Core capital (leverage) ratio | 9.6803% | 3,919 |
| Tier 1 risk-based capital ratio | 13.5863% | 3,646 |
| Total risk-based capital ratio | 14.7921% | 3,592 |
| Memoranda: | ||
| Average total assets | $95,861,000 | 4,379 |
| Average earning assets | $87,338,330 | 4,409 |
| Average equity | $9,242,330 | 4,637 |
| Average total loans | $61,214,670 | 4,233 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 563 |
| Cost of funding earning assets | 0.5115% | 1,998 |
| Net interest margin | 4.4424% | 588 |
| Noninterest income to average assets | 0.9397% | 1,137 |
| Noninterest expense to average assets | 3.1589% | 1,722 |
| Loan and lease loss provision to assets | 0.1468% | 1,271 |
| Net operating income to assets | 1.6780% | 579 |
| Return on assets (ROA) | 1.6780% | 591 |
| Pretax return on assets | 1.6780% | 1,053 |
| Return on Equity (ROE) | 17.6659% | 361 |
| Retained earnings to average equity (ytd only) | 5.8297% | 2,423 |
| Net charge-offs to loans | 0.0199% | 2,390 |
| Credit loss provision to net charge-offs | 1,166.6667% | 272 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 377 |
| Efficiency ratio | 63.3838% | 3,931 |
| Assets per employee ($millions) | 3.1274% | 5,246 |
| Cash dividends to net income (ytd only)* | 67.0000% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 2,273 |
| Loan loss allowance to noncurrent loans | 142.1233% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 2,167 |
| Noncurrent loans to loans | 0.9556% | 2,131 |
| Net loans and leases to total assets | 62.1791% | 3,510 |
| Net loans and leases to deposits | 69.8606% | 3,809 |
| Net loans and leases to core deposits | 75.7883% | 3,675 |
| Total domestic deposits to total assets | 89.0045% | 1,139 |
| Equity capital to assets | 9.4771% | 4,300 |
| Core capital (leverage) ratio | 9.5802% | 4,027 |
| Tier 1 risk-based capital ratio | 14.8634% | 3,039 |
| Total risk-based capital ratio | 16.1132% | 2,963 |
| Memoranda: | ||
| Average total assets | $95,351,000 | 4,432 |
| Average earning assets | $86,800,500 | 4,460 |
| Average equity | $9,057,000 | 4,707 |
| Average total loans | $60,354,500 | 4,294 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 1,387 |
| Cost of funding earning assets | 0.4058% | 2,947 |
| Net interest margin | 4.1511% | 1,238 |
| Noninterest income to average assets | 0.7817% | 1,823 |
| Noninterest expense to average assets | 3.1810% | 1,841 |
| Loan and lease loss provision to assets | 0.2004% | 1,155 |
| Net operating income to assets | 1.2221% | 1,431 |
| Return on assets (ROA) | 1.4329% | 975 |
| Pretax return on assets | 1.4329% | 1,809 |
| Return on Equity (ROE) | 14.5399% | 694 |
| Retained earnings to average equity (ytd only) | 3.7064% | 3,277 |
| Net charge-offs to loans | 0.1681% | 1,614 |
| Credit loss provision to net charge-offs | 208.6957% | 1,362 |
| Earnings coverage of net charge-offs (x) | 14.8152% | 2,261 |
| Efficiency ratio | 69.1000% | 3,055 |
| Assets per employee ($millions) | 2.9298% | 5,402 |
| Cash dividends to net income (ytd only)* | 74.5084% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,336 |
| Loan loss allowance to noncurrent loans | 277.4306% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 2,948 |
| Noncurrent loans to loans | 0.4832% | 3,423 |
| Net loans and leases to total assets | 62.7159% | 3,511 |
| Net loans and leases to deposits | 70.4733% | 3,857 |
| Net loans and leases to core deposits | 76.1356% | 3,743 |
| Total domestic deposits to total assets | 88.9924% | 1,125 |
| Equity capital to assets | 9.5208% | 4,247 |
| Core capital (leverage) ratio | 9.3832% | 4,242 |
| Tier 1 risk-based capital ratio | 14.0348% | 3,446 |
| Total risk-based capital ratio | 15.2711% | 3,365 |
| Memoranda: | ||
| Average total assets | $95,820,200 | 4,433 |
| Average earning assets | $88,217,200 | 4,432 |
| Average equity | $9,443,000 | 4,667 |
| Average total loans | $54,742,600 | 4,437 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 1,513 |
| Cost of funding earning assets | 0.4076% | 2,948 |
| Net interest margin | 4.0990% | 1,389 |
| Noninterest income to average assets | 0.7778% | 1,856 |
| Noninterest expense to average assets | 3.1763% | 1,837 |
| Loan and lease loss provision to assets | 0.2076% | 1,018 |
| Net operating income to assets | 1.1653% | 1,746 |
| Return on assets (ROA) | 1.4449% | 1,030 |
| Pretax return on assets | 1.4449% | 1,898 |
| Return on Equity (ROE) | 14.5417% | 732 |
| Retained earnings to average equity (ytd only) | 3.8722% | 3,545 |
| Net charge-offs to loans | 0.2491% | 942 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 9.9200% | 2,635 |
| Efficiency ratio | 69.8205% | 2,910 |
| Assets per employee ($millions) | 3.0239% | 5,372 |
| Cash dividends to net income (ytd only)* | 73.3716% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,764 |
| Loan loss allowance to noncurrent loans | 727.1845% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 3,897 |
| Noncurrent loans to loans | 0.1768% | 4,641 |
| Net loans and leases to total assets | 59.4409% | 3,947 |
| Net loans and leases to deposits | 66.1994% | 4,322 |
| Net loans and leases to core deposits | 71.2853% | 4,226 |
| Total domestic deposits to total assets | 89.7907% | 560 |
| Equity capital to assets | 9.9891% | 4,134 |
| Core capital (leverage) ratio | 9.3225% | 4,434 |
| Tier 1 risk-based capital ratio | 13.6401% | 3,774 |
| Total risk-based capital ratio | 14.7752% | 3,752 |
| Memoranda: | ||
| Average total assets | $96,337,000 | 4,457 |
| Average earning assets | $88,637,250 | 4,460 |
| Average equity | $9,572,250 | 4,696 |
| Average total loans | $53,529,000 | 4,505 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 1,679 |
| Cost of funding earning assets | 0.4114% | 2,928 |
| Net interest margin | 4.0380% | 1,529 |
| Noninterest income to average assets | 0.8025% | 1,702 |
| Noninterest expense to average assets | 3.1644% | 1,901 |
| Loan and lease loss provision to assets | 0.0998% | 2,172 |
| Net operating income to assets | 1.2724% | 1,354 |
| Return on assets (ROA) | 1.4076% | 1,104 |
| Pretax return on assets | 1.4076% | 1,997 |
| Return on Equity (ROE) | 14.1914% | 800 |
| Retained earnings to average equity (ytd only) | 4.3182% | 3,176 |
| Net charge-offs to loans | 0.3234% | 729 |
| Credit loss provision to net charge-offs | 57.1429% | 2,603 |
| Earnings coverage of net charge-offs (x) | 7.8571% | 2,582 |
| Efficiency ratio | 69.7525% | 3,018 |
| Assets per employee ($millions) | 3.0206% | 5,404 |
| Cash dividends to net income (ytd only)* | 69.5716% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 3,386 |
| Loan loss allowance to noncurrent loans | 380.4598% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 3,980 |
| Noncurrent loans to loans | 0.3146% | 4,236 |
| Net loans and leases to total assets | 56.5364% | 4,249 |
| Net loans and leases to deposits | 64.2732% | 4,473 |
| Net loans and leases to core deposits | 69.3208% | 4,382 |
| Total domestic deposits to total assets | 87.9627% | 1,452 |
| Equity capital to assets | 10.1637% | 4,006 |
| Core capital (leverage) ratio | 9.1922% | 4,609 |
| Tier 1 risk-based capital ratio | 14.0030% | 3,602 |
| Total risk-based capital ratio | 15.0412% | 3,642 |
| Memoranda: | ||
| Average total assets | $96,194,330 | 4,495 |
| Average earning assets | $88,955,330 | 4,485 |
| Average equity | $9,541,000 | 4,736 |
| Average total loans | $51,949,670 | 4,586 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 1,731 |
| Cost of funding earning assets | 0.4190% | 2,868 |
| Net interest margin | 4.0054% | 1,594 |
| Noninterest income to average assets | 0.5752% | 2,655 |
| Noninterest expense to average assets | 3.2721% | 1,662 |
| Loan and lease loss provision to assets | 0.0917% | 2,153 |
| Net operating income to assets | 0.9170% | 2,671 |
| Return on assets (ROA) | 0.9629% | 2,564 |
| Pretax return on assets | 0.9629% | 3,610 |
| Return on Equity (ROE) | 9.8303% | 2,062 |
| Retained earnings to average equity (ytd only) | 2.2980% | 4,338 |
| Net charge-offs to loans | 0.3103% | 699 |
| Credit loss provision to net charge-offs | 56.4103% | 1,999 |
| Earnings coverage of net charge-offs (x) | 6.2051% | 2,258 |
| Efficiency ratio | 76.4362% | 2,115 |
| Assets per employee ($millions) | 3.0391% | 5,467 |
| Cash dividends to net income (ytd only)* | 76.6234% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,814 |
| Loan loss allowance to noncurrent loans | 121.6071% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7722% | 2,766 |
| Noncurrent loans to loans | 1.0836% | 2,226 |
| Net loans and leases to total assets | 52.4396% | 4,586 |
| Net loans and leases to deposits | 59.1041% | 4,773 |
| Net loans and leases to core deposits | 63.6687% | 4,712 |
| Total domestic deposits to total assets | 88.7240% | 1,239 |
| Equity capital to assets | 9.7500% | 4,394 |
| Core capital (leverage) ratio | 8.9237% | 4,943 |
| Tier 1 risk-based capital ratio | 14.4283% | 3,432 |
| Total risk-based capital ratio | 15.5462% | 3,430 |
| Memoranda: | ||
| Average total assets | $95,962,500 | 4,534 |
| Average earning assets | $88,780,500 | 4,533 |
| Average equity | $9,399,500 | 4,780 |
| Average total loans | $50,270,000 | 4,666 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 1,625 |
| Cost of funding earning assets | 0.4351% | 2,783 |
| Net interest margin | 4.0560% | 1,548 |
| Noninterest income to average assets | 0.7713% | 1,895 |
| Noninterest expense to average assets | 3.2160% | 1,929 |
| Loan and lease loss provision to assets | 0.0536% | 3,244 |
| Net operating income to assets | 1.2014% | 1,543 |
| Return on assets (ROA) | 1.3098% | 1,298 |
| Pretax return on assets | 1.3098% | 2,242 |
| Return on Equity (ROE) | 13.3551% | 984 |
| Retained earnings to average equity (ytd only) | 3.3470% | 3,669 |
| Net charge-offs to loans | 0.2219% | 1,332 |
| Credit loss provision to net charge-offs | 47.1698% | 3,447 |
| Earnings coverage of net charge-offs (x) | 11.0377% | 2,629 |
| Efficiency ratio | 71.9290% | 2,917 |
| Assets per employee ($millions) | 2.8689% | 5,644 |
| Cash dividends to net income (ytd only)* | 74.9386% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 2,299 |
| Loan loss allowance to noncurrent loans | 175.8186% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 3,205 |
| Noncurrent loans to loans | 0.8125% | 2,751 |
| Net loans and leases to total assets | 50.8725% | 4,792 |
| Net loans and leases to deposits | 56.8892% | 4,988 |
| Net loans and leases to core deposits | 60.2181% | 4,971 |
| Total domestic deposits to total assets | 89.4237% | 901 |
| Equity capital to assets | 9.8411% | 4,142 |
| Core capital (leverage) ratio | 9.0704% | 4,796 |
| Tier 1 risk-based capital ratio | 15.1484% | 3,105 |
| Total risk-based capital ratio | 16.3607% | 3,058 |
| Memoranda: | ||
| Average total assets | $93,221,600 | 4,601 |
| Average earning assets | $85,033,800 | 4,609 |
| Average equity | $9,142,600 | 4,813 |
| Average total loans | $47,767,200 | 4,733 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 1,605 |
| Cost of funding earning assets | 0.4360% | 2,839 |
| Net interest margin | 4.0596% | 1,532 |
| Noninterest income to average assets | 0.8098% | 1,773 |
| Noninterest expense to average assets | 3.1474% | 2,094 |
| Loan and lease loss provision to assets | 0.0589% | 3,007 |
| Net operating income to assets | 1.2937% | 1,360 |
| Return on assets (ROA) | 1.4373% | 1,076 |
| Pretax return on assets | 1.4373% | 1,877 |
| Return on Equity (ROE) | 14.6679% | 779 |
| Retained earnings to average equity (ytd only) | 3.7512% | 3,805 |
| Net charge-offs to loans | 0.3313% | 794 |
| Credit loss provision to net charge-offs | 34.7458% | 3,220 |
| Earnings coverage of net charge-offs (x) | 7.9830% | 2,857 |
| Efficiency ratio | 69.9426% | 3,221 |
| Assets per employee ($millions) | 3.0430% | 5,499 |
| Cash dividends to net income (ytd only)* | 74.4259% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 2,656 |
| Loan loss allowance to noncurrent loans | 136.9697% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8099% | 2,859 |
| Noncurrent loans to loans | 1.0137% | 2,450 |
| Net loans and leases to total assets | 51.0452% | 4,855 |
| Net loans and leases to deposits | 56.6894% | 5,090 |
| Net loans and leases to core deposits | 59.9913% | 5,065 |
| Total domestic deposits to total assets | 90.0437% | 552 |
| Equity capital to assets | 9.7114% | 4,504 |
| Core capital (leverage) ratio | 9.1297% | 4,840 |
| Tier 1 risk-based capital ratio | 15.1027% | 3,248 |
| Total risk-based capital ratio | 16.2837% | 3,212 |
| Memoranda: | ||
| Average total assets | $92,858,500 | 4,655 |
| Average earning assets | $84,406,750 | 4,679 |
| Average equity | $9,099,000 | 4,887 |
| Average total loans | $47,493,750 | 4,796 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 1,733 |
| Cost of funding earning assets | 0.4386% | 2,853 |
| Net interest margin | 3.9951% | 1,650 |
| Noninterest income to average assets | 0.8011% | 1,772 |
| Noninterest expense to average assets | 3.1310% | 2,163 |
| Loan and lease loss provision to assets | 0.0585% | 2,934 |
| Net operating income to assets | 1.2407% | 1,491 |
| Return on assets (ROA) | 1.3251% | 1,301 |
| Pretax return on assets | 1.3251% | 2,261 |
| Return on Equity (ROE) | 13.4827% | 1,018 |
| Retained earnings to average equity (ytd only) | 3.4588% | 3,841 |
| Net charge-offs to loans | 0.3656% | 709 |
| Credit loss provision to net charge-offs | 31.3953% | 2,912 |
| Earnings coverage of net charge-offs (x) | 6.9767% | 2,714 |
| Efficiency ratio | 70.6745% | 3,225 |
| Assets per employee ($millions) | 3.0207% | 5,573 |
| Cash dividends to net income (ytd only)* | 74.3464% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 2,621 |
| Loan loss allowance to noncurrent loans | 336.7150% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 4,215 |
| Noncurrent loans to loans | 0.4242% | 4,205 |
| Net loans and leases to total assets | 51.3605% | 4,813 |
| Net loans and leases to deposits | 57.4852% | 5,028 |
| Net loans and leases to core deposits | 60.8821% | 5,020 |
| Total domestic deposits to total assets | 89.3456% | 982 |
| Equity capital to assets | 9.5769% | 4,563 |
| Core capital (leverage) ratio | 8.8765% | 5,122 |
| Tier 1 risk-based capital ratio | 15.5302% | 3,086 |
| Total risk-based capital ratio | 16.7802% | 3,035 |
| Memoranda: | ||
| Average total assets | $92,367,330 | 4,714 |
| Average earning assets | $83,903,000 | 4,733 |
| Average equity | $9,078,330 | 4,930 |
| Average total loans | $47,048,330 | 4,850 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 1,757 |
| Cost of funding earning assets | 0.4369% | 2,912 |
| Net interest margin | 3.9661% | 1,668 |
| Noninterest income to average assets | 0.7893% | 1,751 |
| Noninterest expense to average assets | 3.1091% | 2,240 |
| Loan and lease loss provision to assets | 0.0610% | 2,707 |
| Net operating income to assets | 1.1817% | 1,600 |
| Return on assets (ROA) | 1.3518% | 1,200 |
| Pretax return on assets | 1.3518% | 2,065 |
| Return on Equity (ROE) | 13.5764% | 961 |
| Retained earnings to average equity (ytd only) | 3.1094% | 4,118 |
| Net charge-offs to loans | -0.0520% | 5,539 |
| Credit loss provision to net charge-offs | -233.3333% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4429% | 3,262 |
| Assets per employee ($millions) | 3.0550% | 5,600 |
| Cash dividends to net income (ytd only)* | 77.0968% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 1,819 |
| Loan loss allowance to noncurrent loans | 365.5660% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 4,331 |
| Noncurrent loans to loans | 0.4566% | 4,216 |
| Net loans and leases to total assets | 48.2039% | 5,007 |
| Net loans and leases to deposits | 53.5552% | 5,225 |
| Net loans and leases to core deposits | 56.6671% | 5,211 |
| Total domestic deposits to total assets | 90.0078% | 745 |
| Equity capital to assets | 9.7335% | 4,455 |
| Core capital (leverage) ratio | 8.9305% | 5,037 |
| Tier 1 risk-based capital ratio | 14.0814% | 3,954 |
| Total risk-based capital ratio | 15.3306% | 3,883 |
| Memoranda: | ||
| Average total assets | $91,730,000 | 4,771 |
| Average earning assets | $82,398,000 | 4,812 |
| Average equity | $9,133,500 | 4,955 |
| Average total loans | $46,176,500 | 4,910 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 1,632 |
| Cost of funding earning assets | 0.4607% | 3,065 |
| Net interest margin | 4.1106% | 1,549 |
| Noninterest income to average assets | 0.9657% | 1,303 |
| Noninterest expense to average assets | 3.1189% | 2,459 |
| Loan and lease loss provision to assets | 0.0650% | 3,208 |
| Net operating income to assets | 1.5001% | 879 |
| Return on assets (ROA) | 1.6805% | 625 |
| Pretax return on assets | 1.6805% | 1,025 |
| Return on Equity (ROE) | 17.2438% | 470 |
| Retained earnings to average equity (ytd only) | 3.4143% | 3,780 |
| Net charge-offs to loans | 0.1606% | 2,424 |
| Credit loss provision to net charge-offs | 79.4521% | 2,879 |
| Earnings coverage of net charge-offs (x) | 19.1370% | 1,799 |
| Efficiency ratio | 66.5869% | 4,136 |
| Assets per employee ($millions) | 3.0606% | 5,618 |
| Cash dividends to net income (ytd only)* | 80.2000% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 1,941 |
| Loan loss allowance to noncurrent loans | 399.4709% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 4,381 |
| Noncurrent loans to loans | 0.4115% | 4,405 |
| Net loans and leases to total assets | 50.8946% | 4,882 |
| Net loans and leases to deposits | 56.8344% | 5,133 |
| Net loans and leases to core deposits | 59.0206% | 5,198 |
| Total domestic deposits to total assets | 89.5489% | 947 |
| Equity capital to assets | 10.1954% | 3,856 |
| Core capital (leverage) ratio | 9.3171% | 4,516 |
| Tier 1 risk-based capital ratio | 17.4794% | 2,326 |
| Total risk-based capital ratio | 18.7339% | 2,289 |
| Memoranda: | ||
| Average total assets | $89,261,800 | 4,854 |
| Average earning assets | $80,742,800 | 4,880 |
| Average equity | $8,698,800 | 5,045 |
| Average total loans | $45,449,200 | 4,981 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,681 |
| Cost of funding earning assets | 0.4637% | 3,115 |
| Net interest margin | 4.0928% | 1,597 |
| Noninterest income to average assets | 0.9755% | 1,294 |
| Noninterest expense to average assets | 3.1443% | 2,337 |
| Loan and lease loss provision to assets | 0.0656% | 3,040 |
| Net operating income to assets | 1.4782% | 980 |
| Return on assets (ROA) | 1.5915% | 797 |
| Pretax return on assets | 1.5915% | 1,352 |
| Return on Equity (ROE) | 16.5206% | 612 |
| Retained earnings to average equity (ytd only) | 3.4683% | 4,163 |
| Net charge-offs to loans | 0.2353% | 1,640 |
| Credit loss provision to net charge-offs | 55.0000% | 3,029 |
| Earnings coverage of net charge-offs (x) | 12.9380% | 2,271 |
| Efficiency ratio | 67.0697% | 4,032 |
| Assets per employee ($millions) | 2.9435% | 5,792 |
| Cash dividends to net income (ytd only)* | 79.0065% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 2,442 |
| Loan loss allowance to noncurrent loans | 278.0303% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 4,261 |
| Noncurrent loans to loans | 0.5623% | 4,234 |
| Net loans and leases to total assets | 52.3413% | 4,770 |
| Net loans and leases to deposits | 59.3836% | 4,997 |
| Net loans and leases to core deposits | 61.6982% | 5,060 |
| Total domestic deposits to total assets | 88.1411% | 1,694 |
| Equity capital to assets | 10.1240% | 4,020 |
| Core capital (leverage) ratio | 9.3691% | 4,545 |
| Tier 1 risk-based capital ratio | 17.5551% | 2,379 |
| Total risk-based capital ratio | 18.8093% | 2,333 |
| Memoranda: | ||
| Average total assets | $89,388,250 | 4,907 |
| Average earning assets | $81,082,500 | 4,925 |
| Average equity | $8,611,250 | 5,103 |
| Average total loans | $45,329,750 | 5,032 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 1,747 |
| Cost of funding earning assets | 0.4709% | 3,104 |
| Net interest margin | 4.0555% | 1,646 |
| Noninterest income to average assets | 0.9805% | 1,256 |
| Noninterest expense to average assets | 3.1555% | 2,319 |
| Loan and lease loss provision to assets | 0.0646% | 2,974 |
| Net operating income to assets | 1.4262% | 1,007 |
| Return on assets (ROA) | 1.4641% | 979 |
| Pretax return on assets | 1.4641% | 1,658 |
| Return on Equity (ROE) | 15.4558% | 719 |
| Retained earnings to average equity (ytd only) | 3.3405% | 4,075 |
| Net charge-offs to loans | 0.2769% | 1,431 |
| Credit loss provision to net charge-offs | 46.7742% | 2,839 |
| Earnings coverage of net charge-offs (x) | 10.7903% | 2,214 |
| Efficiency ratio | 67.9137% | 4,024 |
| Assets per employee ($millions) | 2.7932% | 6,036 |
| Cash dividends to net income (ytd only)* | 78.3866% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 2,355 |
| Loan loss allowance to noncurrent loans | 425.4335% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 4,307 |
| Noncurrent loans to loans | 0.3837% | 4,842 |
| Net loans and leases to total assets | 49.6252% | 5,001 |
| Net loans and leases to deposits | 56.5881% | 5,147 |
| Net loans and leases to core deposits | 58.5504% | 5,235 |
| Total domestic deposits to total assets | 87.6955% | 2,088 |
| Equity capital to assets | 9.8722% | 4,269 |
| Core capital (leverage) ratio | 9.1354% | 4,835 |
| Tier 1 risk-based capital ratio | 17.3854% | 2,467 |
| Total risk-based capital ratio | 18.6354% | 2,423 |
| Memoranda: | ||
| Average total assets | $89,749,330 | 4,937 |
| Average earning assets | $81,125,330 | 4,959 |
| Average equity | $8,501,670 | 5,158 |
| Average total loans | $44,788,330 | 5,084 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 1,692 |
| Cost of funding earning assets | 0.4823% | 3,090 |
| Net interest margin | 4.0526% | 1,589 |
| Noninterest income to average assets | 0.9385% | 1,286 |
| Noninterest expense to average assets | 3.1446% | 2,392 |
| Loan and lease loss provision to assets | 0.0623% | 2,871 |
| Net operating income to assets | 1.3566% | 1,081 |
| Return on assets (ROA) | 1.4144% | 1,007 |
| Pretax return on assets | 1.4144% | 1,699 |
| Return on Equity (ROE) | 15.2509% | 746 |
| Retained earnings to average equity (ytd only) | 3.2612% | 4,163 |
| Net charge-offs to loans | 0.3674% | 982 |
| Credit loss provision to net charge-offs | 34.1463% | 2,361 |
| Earnings coverage of net charge-offs (x) | 7.7805% | 2,093 |
| Efficiency ratio | 68.9084% | 4,017 |
| Assets per employee ($millions) | 3.0432% | 5,788 |
| Cash dividends to net income (ytd only)* | 78.6164% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6609% | 2,467 |
| Loan loss allowance to noncurrent loans | 175.6501% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 3,434 |
| Noncurrent loans to loans | 0.9456% | 3,524 |
| Net loans and leases to total assets | 48.1866% | 5,103 |
| Net loans and leases to deposits | 53.2810% | 5,349 |
| Net loans and leases to core deposits | 55.0292% | 5,433 |
| Total domestic deposits to total assets | 90.4387% | 836 |
| Equity capital to assets | 9.2546% | 4,806 |
| Core capital (leverage) ratio | 9.0314% | 4,962 |
| Tier 1 risk-based capital ratio | 17.5938% | 2,454 |
| Total risk-based capital ratio | 18.7954% | 2,434 |
| Memoranda: | ||
| Average total assets | $89,933,000 | 4,973 |
| Average earning assets | $80,443,000 | 5,012 |
| Average equity | $8,340,500 | 5,208 |
| Average total loans | $44,636,500 | 5,137 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 1,732 |
| Cost of funding earning assets | 0.5282% | 3,303 |
| Net interest margin | 4.1173% | 1,601 |
| Noninterest income to average assets | 1.0152% | 1,360 |
| Noninterest expense to average assets | 3.2212% | 2,355 |
| Loan and lease loss provision to assets | 0.1836% | 2,007 |
| Net operating income to assets | 1.2849% | 1,292 |
| Return on assets (ROA) | 1.3438% | 1,187 |
| Pretax return on assets | 1.3438% | 1,995 |
| Return on Equity (ROE) | 14.0775% | 935 |
| Retained earnings to average equity (ytd only) | 3.2760% | 3,899 |
| Net charge-offs to loans | 0.1068% | 3,763 |
| Credit loss provision to net charge-offs | 337.5000% | 676 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,279 |
| Efficiency ratio | 68.6881% | 4,065 |
| Assets per employee ($millions) | 2.8571% | 6,028 |
| Cash dividends to net income (ytd only)* | 76.7285% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 2,308 |
| Loan loss allowance to noncurrent loans | 281.0219% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 4,000 |
| Noncurrent loans to loans | 0.6152% | 4,439 |
| Net loans and leases to total assets | 49.4157% | 5,145 |
| Net loans and leases to deposits | 54.5960% | 5,419 |
| Net loans and leases to core deposits | 56.4399% | 5,500 |
| Total domestic deposits to total assets | 90.5116% | 807 |
| Equity capital to assets | 9.2942% | 4,698 |
| Core capital (leverage) ratio | 8.9346% | 5,102 |
| Tier 1 risk-based capital ratio | 17.8132% | 2,306 |
| Total risk-based capital ratio | 19.0683% | 2,271 |
| Memoranda: | ||
| Average total assets | $88,257,800 | 5,020 |
| Average earning assets | $78,764,800 | 5,066 |
| Average equity | $8,424,800 | 5,232 |
| Average total loans | $44,949,400 | 5,150 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 1,729 |
| Cost of funding earning assets | 0.5277% | 3,489 |
| Net interest margin | 4.1301% | 1,538 |
| Noninterest income to average assets | 1.0025% | 1,446 |
| Noninterest expense to average assets | 3.2463% | 2,216 |
| Loan and lease loss provision to assets | 0.2177% | 1,672 |
| Net operating income to assets | 1.2187% | 1,575 |
| Return on assets (ROA) | 1.2973% | 1,422 |
| Pretax return on assets | 1.2973% | 2,339 |
| Return on Equity (ROE) | 13.5014% | 1,120 |
| Retained earnings to average equity (ytd only) | 3.1944% | 4,400 |
| Net charge-offs to loans | 0.1865% | 2,732 |
| Credit loss provision to net charge-offs | 228.5714% | 1,064 |
| Earnings coverage of net charge-offs (x) | 15.0790% | 1,892 |
| Efficiency ratio | 69.3252% | 3,864 |
| Assets per employee ($millions) | 2.9284% | 5,961 |
| Cash dividends to net income (ytd only)* | 76.3403% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 2,864 |
| Loan loss allowance to noncurrent loans | 150.4082% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 3,613 |
| Noncurrent loans to loans | 1.0873% | 3,619 |
| Net loans and leases to total assets | 50.4593% | 5,084 |
| Net loans and leases to deposits | 55.7366% | 5,395 |
| Net loans and leases to core deposits | 57.8202% | 5,465 |
| Total domestic deposits to total assets | 90.5317% | 731 |
| Equity capital to assets | 9.2406% | 4,878 |
| Core capital (leverage) ratio | 8.9975% | 5,131 |
| Tier 1 risk-based capital ratio | 17.4475% | 2,526 |
| Total risk-based capital ratio | 18.7012% | 2,498 |
| Memoranda: | ||
| Average total assets | $88,179,500 | 5,071 |
| Average earning assets | $78,576,250 | 5,117 |
| Average equity | $8,473,000 | 5,277 |
| Average total loans | $45,052,250 | 5,199 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,696 |
| Cost of funding earning assets | 0.5246% | 3,656 |
| Net interest margin | 4.1280% | 1,473 |
| Noninterest income to average assets | 1.0239% | 1,455 |
| Noninterest expense to average assets | 3.1782% | 2,410 |
| Loan and lease loss provision to assets | 0.2650% | 1,397 |
| Net operating income to assets | 1.2527% | 1,450 |
| Return on assets (ROA) | 1.3705% | 1,223 |
| Pretax return on assets | 1.3705% | 2,038 |
| Return on Equity (ROE) | 14.0840% | 995 |
| Retained earnings to average equity (ytd only) | 3.4919% | 4,097 |
| Net charge-offs to loans | 0.2886% | 2,040 |
| Credit loss provision to net charge-offs | 180.0000% | 1,322 |
| Earnings coverage of net charge-offs (x) | 10.3077% | 2,166 |
| Efficiency ratio | 67.6797% | 4,235 |
| Assets per employee ($millions) | 2.9030% | 6,017 |
| Cash dividends to net income (ytd only)* | 75.2066% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,344 |
| Loan loss allowance to noncurrent loans | 123.5602% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6592% | 2,618 |
| Noncurrent loans to loans | 1.2577% | 3,448 |
| Net loans and leases to total assets | 51.5002% | 4,930 |
| Net loans and leases to deposits | 57.9326% | 5,166 |
| Net loans and leases to core deposits | 59.9554% | 5,265 |
| Total domestic deposits to total assets | 88.8967% | 1,688 |
| Equity capital to assets | 9.4154% | 4,696 |
| Core capital (leverage) ratio | 8.9172% | 5,119 |
| Tier 1 risk-based capital ratio | 15.4332% | 3,517 |
| Total risk-based capital ratio | 16.6844% | 3,477 |
| Memoranda: | ||
| Average total assets | $88,289,000 | 5,098 |
| Average earning assets | $78,536,330 | 5,150 |
| Average equity | $8,591,330 | 5,277 |
| Average total loans | $45,047,670 | 5,221 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 1,822 |
| Cost of funding earning assets | 0.5270% | 3,818 |
| Net interest margin | 4.0738% | 1,545 |
| Noninterest income to average assets | 1.0620% | 1,321 |
| Noninterest expense to average assets | 3.1275% | 2,590 |
| Loan and lease loss provision to assets | 0.2610% | 1,364 |
| Net operating income to assets | 1.2915% | 1,301 |
| Return on assets (ROA) | 1.4400% | 1,049 |
| Pretax return on assets | 1.4400% | 1,738 |
| Return on Equity (ROE) | 14.5670% | 852 |
| Retained earnings to average equity (ytd only) | 3.9604% | 3,860 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8269% | 4,514 |
| Assets per employee ($millions) | 2.8513% | 6,214 |
| Cash dividends to net income (ytd only)* | 72.8125% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 3,443 |
| Loan loss allowance to noncurrent loans | 184.0206% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 3,138 |
| Noncurrent loans to loans | 0.8640% | 4,395 |
| Net loans and leases to total assets | 50.0000% | 4,992 |
| Net loans and leases to deposits | 55.6262% | 5,284 |
| Net loans and leases to core deposits | 57.7433% | 5,363 |
| Total domestic deposits to total assets | 89.8857% | 1,117 |
| Equity capital to assets | 9.9004% | 4,275 |
| Core capital (leverage) ratio | 8.7377% | 5,279 |
| Tier 1 risk-based capital ratio | 14.2608% | 4,316 |
| Total risk-based capital ratio | 15.5108% | 4,289 |
| Memoranda: | ||
| Average total assets | $88,888,000 | 5,130 |
| Average earning assets | $78,943,000 | 5,185 |
| Average equity | $8,787,000 | 5,280 |
| Average total loans | $44,791,500 | 5,266 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 2,782 |
| Cost of funding earning assets | 0.6160% | 4,212 |
| Net interest margin | 4.0370% | 2,250 |
| Noninterest income to average assets | 0.8065% | 2,240 |
| Noninterest expense to average assets | 3.2239% | 2,538 |
| Loan and lease loss provision to assets | 0.3335% | 2,030 |
| Net operating income to assets | 0.8534% | 3,025 |
| Return on assets (ROA) | 1.0408% | 2,365 |
| Pretax return on assets | 1.0408% | 3,398 |
| Return on Equity (ROE) | 10.6308% | 1,926 |
| Retained earnings to average equity (ytd only) | 2.1193% | 4,737 |
| Net charge-offs to loans | 0.6911% | 1,709 |
| Credit loss provision to net charge-offs | 97.0779% | 3,196 |
| Earnings coverage of net charge-offs (x) | 3.4545% | 3,719 |
| Efficiency ratio | 73.0905% | 3,226 |
| Assets per employee ($millions) | 2.7933% | 6,327 |
| Cash dividends to net income (ytd only)* | 80.0643% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 3,877 |
| Loan loss allowance to noncurrent loans | 72.5664% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.9847% | 2,470 |
| Noncurrent loans to loans | 2.0235% | 2,670 |
| Net loans and leases to total assets | 49.2448% | 5,275 |
| Net loans and leases to deposits | 55.2851% | 5,517 |
| Net loans and leases to core deposits | 57.6144% | 5,585 |
| Total domestic deposits to total assets | 89.0744% | 1,510 |
| Equity capital to assets | 9.8707% | 4,351 |
| Core capital (leverage) ratio | 8.4717% | 5,655 |
| Tier 1 risk-based capital ratio | 14.0404% | 4,357 |
| Total risk-based capital ratio | 15.2149% | 4,372 |
| Memoranda: | ||
| Average total assets | $89,643,200 | 5,095 |
| Average earning assets | $80,035,400 | 5,123 |
| Average equity | $8,776,400 | 5,279 |
| Average total loans | $44,565,600 | 5,304 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 2,953 |
| Cost of funding earning assets | 0.6314% | 4,351 |
| Net interest margin | 4.0310% | 2,378 |
| Noninterest income to average assets | 0.7773% | 2,344 |
| Noninterest expense to average assets | 3.2104% | 2,537 |
| Loan and lease loss provision to assets | 0.3478% | 1,881 |
| Net operating income to assets | 0.8249% | 3,318 |
| Return on assets (ROA) | 1.0092% | 2,692 |
| Pretax return on assets | 1.0092% | 3,672 |
| Return on Equity (ROE) | 10.3290% | 2,205 |
| Retained earnings to average equity (ytd only) | 2.3427% | 5,165 |
| Net charge-offs to loans | 0.9220% | 1,174 |
| Credit loss provision to net charge-offs | 75.9740% | 3,739 |
| Earnings coverage of net charge-offs (x) | 2.5617% | 4,016 |
| Efficiency ratio | 73.2452% | 3,112 |
| Assets per employee ($millions) | 2.8982% | 6,221 |
| Cash dividends to net income (ytd only)* | 77.3194% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 4,642 |
| Loan loss allowance to noncurrent loans | 58.9820% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.1548% | 2,486 |
| Noncurrent loans to loans | 2.2665% | 2,539 |
| Net loans and leases to total assets | 48.5497% | 5,485 |
| Net loans and leases to deposits | 54.0877% | 5,802 |
| Net loans and leases to core deposits | 56.1088% | 5,880 |
| Total domestic deposits to total assets | 89.7611% | 966 |
| Equity capital to assets | 9.9751% | 4,527 |
| Core capital (leverage) ratio | 8.6554% | 5,546 |
| Tier 1 risk-based capital ratio | 14.0982% | 4,459 |
| Total risk-based capital ratio | 15.1652% | 4,553 |
| Memoranda: | ||
| Average total assets | $89,707,500 | 5,150 |
| Average earning assets | $80,242,500 | 5,171 |
| Average equity | $8,764,750 | 5,335 |
| Average total loans | $44,538,500 | 5,371 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 2,923 |
| Cost of funding earning assets | 0.6465% | 4,475 |
| Net interest margin | 4.0510% | 2,293 |
| Noninterest income to average assets | 0.7584% | 2,381 |
| Noninterest expense to average assets | 3.1875% | 2,633 |
| Loan and lease loss provision to assets | 0.3770% | 1,740 |
| Net operating income to assets | 0.8142% | 3,337 |
| Return on assets (ROA) | 0.9837% | 2,768 |
| Pretax return on assets | 0.9837% | 3,777 |
| Return on Equity (ROE) | 10.1391% | 2,299 |
| Retained earnings to average equity (ytd only) | 2.2991% | 5,043 |
| Net charge-offs to loans | 0.9989% | 1,112 |
| Credit loss provision to net charge-offs | 75.7848% | 3,438 |
| Earnings coverage of net charge-offs (x) | 2.3946% | 3,802 |
| Efficiency ratio | 72.7967% | 3,280 |
| Assets per employee ($millions) | 2.7682% | 6,448 |
| Cash dividends to net income (ytd only)* | 77.3243% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 4,579 |
| Loan loss allowance to noncurrent loans | 42.5784% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 2.2985% | 2,434 |
| Noncurrent loans to loans | 3.2121% | 1,810 |
| Net loans and leases to total assets | 49.7443% | 5,386 |
| Net loans and leases to deposits | 55.3763% | 5,722 |
| Net loans and leases to core deposits | 57.8974% | 5,786 |
| Total domestic deposits to total assets | 89.8296% | 1,027 |
| Equity capital to assets | 9.9039% | 4,478 |
| Core capital (leverage) ratio | 8.5577% | 5,572 |
| Tier 1 risk-based capital ratio | 14.0106% | 4,444 |
| Total risk-based capital ratio | 15.1143% | 4,523 |
| Memoranda: | ||
| Average total assets | $89,662,000 | 5,180 |
| Average earning assets | $80,128,670 | 5,200 |
| Average equity | $8,699,000 | 5,354 |
| Average total loans | $44,648,000 | 5,399 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 3,108 |
| Cost of funding earning assets | 0.6664% | 4,566 |
| Net interest margin | 4.0185% | 2,429 |
| Noninterest income to average assets | 0.8204% | 2,063 |
| Noninterest expense to average assets | 3.2194% | 2,535 |
| Loan and lease loss provision to assets | 0.2838% | 2,195 |
| Net operating income to assets | 0.9002% | 2,911 |
| Return on assets (ROA) | 0.9002% | 3,138 |
| Pretax return on assets | 0.9002% | 4,033 |
| Return on Equity (ROE) | 9.3743% | 2,646 |
| Retained earnings to average equity (ytd only) | 2.4475% | 5,036 |
| Net charge-offs to loans | 0.6004% | 1,587 |
| Credit loss provision to net charge-offs | 95.5224% | 2,449 |
| Earnings coverage of net charge-offs (x) | 3.9851% | 2,698 |
| Efficiency ratio | 73.1118% | 3,240 |
| Assets per employee ($millions) | 3.1228% | 5,914 |
| Cash dividends to net income (ytd only)* | 73.8916% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 4,277 |
| Loan loss allowance to noncurrent loans | 45.4047% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 2.3421% | 2,543 |
| Noncurrent loans to loans | 3.2501% | 1,972 |
| Net loans and leases to total assets | 48.8052% | 5,454 |
| Net loans and leases to deposits | 54.1105% | 5,796 |
| Net loans and leases to core deposits | 56.2946% | 5,881 |
| Total domestic deposits to total assets | 90.1955% | 980 |
| Equity capital to assets | 9.5660% | 4,702 |
| Core capital (leverage) ratio | 8.4381% | 5,695 |
| Tier 1 risk-based capital ratio | 13.7473% | 4,642 |
| Total risk-based capital ratio | 14.9280% | 4,679 |
| Memoranda: | ||
| Average total assets | $90,202,500 | 5,200 |
| Average earning assets | $80,428,500 | 5,235 |
| Average equity | $8,662,000 | 5,377 |
| Average total loans | $44,634,500 | 5,440 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 2,665 |
| Cost of funding earning assets | 0.7782% | 5,012 |
| Net interest margin | 4.2695% | 1,808 |
| Noninterest income to average assets | 0.8086% | 2,013 |
| Noninterest expense to average assets | 3.1853% | 2,917 |
| Loan and lease loss provision to assets | 0.4344% | 2,428 |
| Net operating income to assets | 1.0007% | 2,192 |
| Return on assets (ROA) | 1.2111% | 1,590 |
| Pretax return on assets | 1.2111% | 2,416 |
| Return on Equity (ROE) | 13.2023% | 1,125 |
| Retained earnings to average equity (ytd only) | 3.2355% | 3,916 |
| Net charge-offs to loans | 1.0937% | 1,573 |
| Credit loss provision to net charge-offs | 75.6436% | 4,652 |
| Earnings coverage of net charge-offs (x) | 2.4990% | 3,964 |
| Efficiency ratio | 68.9392% | 4,169 |
| Assets per employee ($millions) | 2.9948% | 6,095 |
| Cash dividends to net income (ytd only)* | 75.4930% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 4,039 |
| Loan loss allowance to noncurrent loans | 44.3333% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 2.3351% | 2,592 |
| Noncurrent loans to loans | 3.3777% | 1,912 |
| Net loans and leases to total assets | 48.6883% | 5,754 |
| Net loans and leases to deposits | 54.0236% | 6,067 |
| Net loans and leases to core deposits | 56.3929% | 6,130 |
| Total domestic deposits to total assets | 90.1241% | 928 |
| Equity capital to assets | 9.6399% | 4,687 |
| Core capital (leverage) ratio | 8.5033% | 5,558 |
| Tier 1 risk-based capital ratio | 13.7093% | 4,547 |
| Total risk-based capital ratio | 14.8997% | 4,550 |
| Memoranda: | ||
| Average total assets | $87,934,400 | 5,239 |
| Average earning assets | $78,510,000 | 5,279 |
| Average equity | $8,066,800 | 5,551 |
| Average total loans | $46,175,600 | 5,421 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 2,390 |
| Cost of funding earning assets | 0.7998% | 5,151 |
| Net interest margin | 4.3504% | 1,561 |
| Noninterest income to average assets | 0.8187% | 1,967 |
| Noninterest expense to average assets | 3.2015% | 2,831 |
| Loan and lease loss provision to assets | 0.4650% | 2,127 |
| Net operating income to assets | 1.0412% | 2,175 |
| Return on assets (ROA) | 1.2608% | 1,592 |
| Pretax return on assets | 1.2608% | 2,428 |
| Return on Equity (ROE) | 13.9253% | 1,051 |
| Retained earnings to average equity (ytd only) | 3.0814% | 4,493 |
| Net charge-offs to loans | 0.7980% | 1,967 |
| Credit loss provision to net charge-offs | 109.3190% | 3,022 |
| Earnings coverage of net charge-offs (x) | 3.5412% | 3,403 |
| Efficiency ratio | 68.0052% | 4,309 |
| Assets per employee ($millions) | 3.0517% | 6,008 |
| Cash dividends to net income (ytd only)* | 77.8722% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,870 |
| Loan loss allowance to noncurrent loans | 44.3597% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 2.5266% | 2,552 |
| Noncurrent loans to loans | 4.0997% | 1,617 |
| Net loans and leases to total assets | 49.6559% | 5,750 |
| Net loans and leases to deposits | 55.3554% | 6,089 |
| Net loans and leases to core deposits | 57.8277% | 6,140 |
| Total domestic deposits to total assets | 89.7038% | 1,039 |
| Equity capital to assets | 9.6317% | 4,886 |
| Core capital (leverage) ratio | 8.3915% | 5,870 |
| Tier 1 risk-based capital ratio | 13.6126% | 4,641 |
| Total risk-based capital ratio | 14.8660% | 4,607 |
| Memoranda: | ||
| Average total assets | $87,456,750 | 5,287 |
| Average earning assets | $78,183,250 | 5,322 |
| Average equity | $7,918,250 | 5,626 |
| Average total loans | $46,617,250 | 5,446 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2025% | 2,248 |
| Cost of funding earning assets | 0.8020% | 5,351 |
| Net interest margin | 4.4005% | 1,364 |
| Noninterest income to average assets | 0.8220% | 1,923 |
| Noninterest expense to average assets | 3.2075% | 2,869 |
| Loan and lease loss provision to assets | 0.4638% | 2,123 |
| Net operating income to assets | 1.0814% | 1,930 |
| Return on assets (ROA) | 1.1778% | 1,724 |
| Pretax return on assets | 1.1778% | 2,568 |
| Return on Equity (ROE) | 13.2965% | 1,138 |
| Retained earnings to average equity (ytd only) | 2.7993% | 4,500 |
| Net charge-offs to loans | 1.1474% | 1,364 |
| Credit loss provision to net charge-offs | 74.5387% | 3,930 |
| Earnings coverage of net charge-offs (x) | 2.4834% | 3,583 |
| Efficiency ratio | 67.4879% | 4,609 |
| Assets per employee ($millions) | 2.9334% | 6,229 |
| Cash dividends to net income (ytd only)* | 78.9474% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 3,926 |
| Loan loss allowance to noncurrent loans | 51.8012% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.8681% | 3,410 |
| Noncurrent loans to loans | 2.9801% | 2,439 |
| Net loans and leases to total assets | 52.1090% | 5,551 |
| Net loans and leases to deposits | 57.5645% | 5,985 |
| Net loans and leases to core deposits | 59.4966% | 6,137 |
| Total domestic deposits to total assets | 90.5229% | 707 |
| Equity capital to assets | 9.1952% | 5,284 |
| Core capital (leverage) ratio | 8.4826% | 5,577 |
| Tier 1 risk-based capital ratio | 13.3190% | 4,675 |
| Total risk-based capital ratio | 14.5702% | 4,653 |
| Memoranda: | ||
| Average total assets | $87,109,330 | 5,341 |
| Average earning assets | $77,809,330 | 5,374 |
| Average equity | $7,716,330 | 5,698 |
| Average total loans | $47,236,670 | 5,465 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 2,136 |
| Cost of funding earning assets | 0.8166% | 5,487 |
| Net interest margin | 4.4088% | 1,257 |
| Noninterest income to average assets | 0.7893% | 2,074 |
| Noninterest expense to average assets | 3.2309% | 2,775 |
| Loan and lease loss provision to assets | 0.5816% | 1,486 |
| Net operating income to assets | 0.9139% | 2,497 |
| Return on assets (ROA) | 0.9139% | 2,555 |
| Pretax return on assets | 0.9139% | 3,450 |
| Return on Equity (ROE) | 10.5200% | 1,904 |
| Retained earnings to average equity (ytd only) | 2.5503% | 4,634 |
| Net charge-offs to loans | 1.0848% | 1,271 |
| Credit loss provision to net charge-offs | 97.6744% | 2,797 |
| Earnings coverage of net charge-offs (x) | 2.5116% | 3,076 |
| Efficiency ratio | 68.3594% | 4,586 |
| Assets per employee ($millions) | 3.0223% | 6,110 |
| Cash dividends to net income (ytd only)* | 75.7576% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 3,557 |
| Loan loss allowance to noncurrent loans | 58.5821% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.6658% | 3,755 |
| Noncurrent loans to loans | 2.8059% | 2,694 |
| Net loans and leases to total assets | 53.5929% | 5,367 |
| Net loans and leases to deposits | 58.9708% | 5,829 |
| Net loans and leases to core deposits | 60.9464% | 6,019 |
| Total domestic deposits to total assets | 90.8804% | 686 |
| Equity capital to assets | 8.8196% | 5,463 |
| Core capital (leverage) ratio | 8.4706% | 5,512 |
| Tier 1 risk-based capital ratio | 12.9910% | 4,832 |
| Total risk-based capital ratio | 14.2421% | 4,817 |
| Memoranda: | ||
| Average total assets | $86,663,000 | 5,388 |
| Average earning assets | $77,391,500 | 5,430 |
| Average equity | $7,528,500 | 5,763 |
| Average total loans | $47,567,000 | 5,496 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4350% | 2,525 |
| Cost of funding earning assets | 0.9759% | 5,808 |
| Net interest margin | 4.4591% | 1,323 |
| Noninterest income to average assets | 0.8429% | 2,091 |
| Noninterest expense to average assets | 3.3068% | 2,722 |
| Loan and lease loss provision to assets | 0.4032% | 3,697 |
| Net operating income to assets | 1.0976% | 1,710 |
| Return on assets (ROA) | 1.5785% | 709 |
| Pretax return on assets | 1.5785% | 1,179 |
| Return on Equity (ROE) | 17.6957% | 402 |
| Retained earnings to average equity (ytd only) | 5.8677% | 1,900 |
| Net charge-offs to loans | 0.7694% | 2,719 |
| Credit loss provision to net charge-offs | 96.0674% | 4,835 |
| Earnings coverage of net charge-offs (x) | 3.5758% | 3,298 |
| Efficiency ratio | 68.7837% | 4,408 |
| Assets per employee ($millions) | 2.8560% | 6,428 |
| Cash dividends to net income (ytd only)* | 66.8409% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 3,344 |
| Loan loss allowance to noncurrent loans | 70.6726% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.5348% | 4,011 |
| Noncurrent loans to loans | 2.3535% | 3,166 |
| Net loans and leases to total assets | 54.3756% | 5,587 |
| Net loans and leases to deposits | 59.6721% | 6,096 |
| Net loans and leases to core deposits | 61.7081% | 6,256 |
| Total domestic deposits to total assets | 91.1239% | 548 |
| Equity capital to assets | 8.5516% | 5,793 |
| Core capital (leverage) ratio | 8.5075% | 5,348 |
| Tier 1 risk-based capital ratio | 13.0172% | 4,585 |
| Total risk-based capital ratio | 14.2686% | 4,548 |
| Memoranda: | ||
| Average total assets | $84,825,200 | 5,449 |
| Average earning assets | $75,418,400 | 5,496 |
| Average equity | $7,566,800 | 5,856 |
| Average total loans | $46,268,800 | 5,629 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 2,382 |
| Cost of funding earning assets | 1.0098% | 5,893 |
| Net interest margin | 4.5041% | 1,247 |
| Noninterest income to average assets | 0.8052% | 2,208 |
| Noninterest expense to average assets | 3.3612% | 2,395 |
| Loan and lease loss provision to assets | 0.4176% | 3,399 |
| Net operating income to assets | 1.0258% | 2,147 |
| Return on assets (ROA) | 1.6688% | 712 |
| Pretax return on assets | 1.6688% | 1,172 |
| Return on Equity (ROE) | 18.5133% | 432 |
| Retained earnings to average equity (ytd only) | 5.4894% | 2,655 |
| Net charge-offs to loans | 0.8697% | 2,274 |
| Credit loss provision to net charge-offs | 88.3333% | 4,836 |
| Earnings coverage of net charge-offs (x) | 3.0533% | 3,606 |
| Efficiency ratio | 69.9574% | 4,074 |
| Assets per employee ($millions) | 2.8293% | 6,532 |
| Cash dividends to net income (ytd only)* | 70.3497% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 3,350 |
| Loan loss allowance to noncurrent loans | 94.1176% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 4,685 |
| Noncurrent loans to loans | 1.7470% | 4,022 |
| Net loans and leases to total assets | 54.1241% | 5,836 |
| Net loans and leases to deposits | 59.8988% | 6,322 |
| Net loans and leases to core deposits | 61.9772% | 6,469 |
| Total domestic deposits to total assets | 90.3592% | 693 |
| Equity capital to assets | 9.2944% | 5,153 |
| Core capital (leverage) ratio | 8.6823% | 5,217 |
| Tier 1 risk-based capital ratio | 12.9308% | 4,629 |
| Total risk-based capital ratio | 14.1817% | 4,607 |
| Memoranda: | ||
| Average total assets | $84,611,500 | 5,518 |
| Average earning assets | $75,129,750 | 5,570 |
| Average equity | $7,626,750 | 5,907 |
| Average total loans | $45,991,750 | 5,734 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5461% | 2,346 |
| Cost of funding earning assets | 1.0596% | 5,874 |
| Net interest margin | 4.4866% | 1,229 |
| Noninterest income to average assets | 0.7832% | 2,219 |
| Noninterest expense to average assets | 3.3577% | 2,378 |
| Loan and lease loss provision to assets | 0.4425% | 3,107 |
| Net operating income to assets | 0.9607% | 2,328 |
| Return on assets (ROA) | 1.6587% | 687 |
| Pretax return on assets | 1.6587% | 1,148 |
| Return on Equity (ROE) | 18.5958% | 418 |
| Retained earnings to average equity (ytd only) | 5.4647% | 2,632 |
| Net charge-offs to loans | 1.3158% | 1,441 |
| Credit loss provision to net charge-offs | 62.1262% | 5,164 |
| Earnings coverage of net charge-offs (x) | 1.9701% | 4,047 |
| Efficiency ratio | 70.5268% | 4,080 |
| Assets per employee ($millions) | 2.8025% | 6,568 |
| Cash dividends to net income (ytd only)* | 70.6134% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 4,125 |
| Loan loss allowance to noncurrent loans | 184.9462% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 5,586 |
| Noncurrent loans to loans | 0.7892% | 5,696 |
| Net loans and leases to total assets | 55.2442% | 5,810 |
| Net loans and leases to deposits | 62.3453% | 6,204 |
| Net loans and leases to core deposits | 64.3466% | 6,375 |
| Total domestic deposits to total assets | 88.6100% | 1,673 |
| Equity capital to assets | 8.9148% | 5,581 |
| Core capital (leverage) ratio | 8.4310% | 5,529 |
| Tier 1 risk-based capital ratio | 12.5403% | 4,820 |
| Total risk-based capital ratio | 13.5598% | 5,011 |
| Memoranda: | ||
| Average total assets | $84,522,330 | 5,546 |
| Average earning assets | $74,935,000 | 5,611 |
| Average equity | $7,539,330 | 5,953 |
| Average total loans | $45,753,000 | 5,776 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5391% | 2,414 |
| Cost of funding earning assets | 1.1238% | 5,782 |
| Net interest margin | 4.4153% | 1,348 |
| Noninterest income to average assets | 0.7977% | 2,031 |
| Noninterest expense to average assets | 3.2898% | 2,559 |
| Loan and lease loss provision to assets | 0.3587% | 3,220 |
| Net operating income to assets | 1.0620% | 1,955 |
| Return on assets (ROA) | 2.1523% | 298 |
| Pretax return on assets | 2.1523% | 458 |
| Return on Equity (ROE) | 24.1222% | 183 |
| Retained earnings to average equity (ytd only) | 9.0458% | 1,390 |
| Net charge-offs to loans | 0.5148% | 2,522 |
| Credit loss provision to net charge-offs | 131.0345% | 2,693 |
| Earnings coverage of net charge-offs (x) | 5.1897% | 2,447 |
| Efficiency ratio | 69.8397% | 4,338 |
| Assets per employee ($millions) | 2.7300% | 6,802 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 2,725 |
| Loan loss allowance to noncurrent loans | 127.5272% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0776% | 4,991 |
| Noncurrent loans to loans | 1.4119% | 4,618 |
| Net loans and leases to total assets | 52.8460% | 6,172 |
| Net loans and leases to deposits | 60.1301% | 6,455 |
| Net loans and leases to core deposits | 62.4946% | 6,559 |
| Total domestic deposits to total assets | 87.8859% | 2,126 |
| Equity capital to assets | 8.8776% | 5,434 |
| Core capital (leverage) ratio | 8.3547% | 5,633 |
| Tier 1 risk-based capital ratio | 12.7870% | 4,497 |
| Total risk-based capital ratio | 14.0398% | 4,457 |
| Memoranda: | ||
| Average total assets | $84,746,500 | 5,606 |
| Average earning assets | $75,103,000 | 5,665 |
| Average equity | $7,561,500 | 5,991 |
| Average total loans | $45,062,500 | 5,881 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7874% | 2,708 |
| Cost of funding earning assets | 1.5292% | 5,382 |
| Net interest margin | 4.2582% | 1,864 |
| Noninterest income to average assets | 1.6314% | 543 |
| Noninterest expense to average assets | 3.4791% | 2,428 |
| Loan and lease loss provision to assets | 0.4461% | 4,152 |
| Net operating income to assets | 1.4940% | 681 |
| Return on assets (ROA) | 1.5742% | 618 |
| Pretax return on assets | 1.5742% | 1,019 |
| Return on Equity (ROE) | 17.4622% | 412 |
| Retained earnings to average equity (ytd only) | 4.9218% | 1,862 |
| Net charge-offs to loans | 0.7129% | 3,049 |
| Credit loss provision to net charge-offs | 118.3871% | 4,559 |
| Earnings coverage of net charge-offs (x) | 5.1484% | 2,677 |
| Efficiency ratio | 64.1992% | 5,740 |
| Assets per employee ($millions) | 2.7375% | 6,790 |
| Cash dividends to net income (ytd only)* | 71.8147% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 2,550 |
| Loan loss allowance to noncurrent loans | 88.8151% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 4,407 |
| Noncurrent loans to loans | 2.0255% | 3,614 |
| Net loans and leases to total assets | 51.5884% | 6,469 |
| Net loans and leases to deposits | 56.9007% | 6,860 |
| Net loans and leases to core deposits | 75.0918% | 6,465 |
| Total domestic deposits to total assets | 90.6639% | 675 |
| Equity capital to assets | 8.9673% | 5,196 |
| Core capital (leverage) ratio | 8.0744% | 6,039 |
| Tier 1 risk-based capital ratio | 12.9255% | 4,191 |
| Total risk-based capital ratio | 14.1784% | 4,139 |
| Memoranda: | ||
| Average total assets | $82,263,000 | 5,657 |
| Average earning assets | $73,176,600 | 5,712 |
| Average equity | $7,416,000 | 6,121 |
| Average total loans | $43,481,400 | 5,957 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8659% | 2,603 |
| Cost of funding earning assets | 1.5976% | 5,411 |
| Net interest margin | 4.2683% | 1,810 |
| Noninterest income to average assets | 1.8477% | 434 |
| Noninterest expense to average assets | 3.4618% | 2,385 |
| Loan and lease loss provision to assets | 0.4493% | 3,667 |
| Net operating income to assets | 1.7382% | 523 |
| Return on assets (ROA) | 1.7709% | 502 |
| Pretax return on assets | 1.7709% | 853 |
| Return on Equity (ROE) | 19.6172% | 333 |
| Retained earnings to average equity (ytd only) | 5.0491% | 2,461 |
| Net charge-offs to loans | 0.4197% | 3,585 |
| Credit loss provision to net charge-offs | 202.2059% | 2,208 |
| Earnings coverage of net charge-offs (x) | 9.8455% | 2,049 |
| Efficiency ratio | 61.2782% | 6,229 |
| Assets per employee ($millions) | 2.5942% | 7,058 |
| Cash dividends to net income (ytd only)* | 74.2621% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 1,703 |
| Loan loss allowance to noncurrent loans | 81.1754% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.9395% | 3,436 |
| Noncurrent loans to loans | 2.5165% | 2,991 |
| Net loans and leases to total assets | 51.0655% | 6,695 |
| Net loans and leases to deposits | 56.5741% | 7,055 |
| Net loans and leases to core deposits | 74.9858% | 6,668 |
| Total domestic deposits to total assets | 90.2630% | 680 |
| Equity capital to assets | 9.2973% | 5,042 |
| Core capital (leverage) ratio | 8.2441% | 5,931 |
| Tier 1 risk-based capital ratio | 13.1358% | 4,095 |
| Total risk-based capital ratio | 14.3906% | 4,026 |
| Memoranda: | ||
| Average total assets | $81,612,750 | 5,704 |
| Average earning assets | $72,689,750 | 5,763 |
| Average equity | $7,367,500 | 6,198 |
| Average total loans | $43,206,250 | 6,013 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8965% | 2,600 |
| Cost of funding earning assets | 1.6431% | 5,540 |
| Net interest margin | 4.2534% | 1,808 |
| Noninterest income to average assets | 1.7672% | 468 |
| Noninterest expense to average assets | 3.3742% | 2,707 |
| Loan and lease loss provision to assets | 0.4510% | 3,281 |
| Net operating income to assets | 1.7573% | 509 |
| Return on assets (ROA) | 1.7573% | 551 |
| Pretax return on assets | 1.7573% | 917 |
| Return on Equity (ROE) | 19.6671% | 356 |
| Retained earnings to average equity (ytd only) | 3.6686% | 3,256 |
| Net charge-offs to loans | 0.3890% | 3,255 |
| Credit loss provision to net charge-offs | 217.8571% | 2,112 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 1,973 |
| Efficiency ratio | 60.4415% | 6,472 |
| Assets per employee ($millions) | 2.6499% | 6,957 |
| Cash dividends to net income (ytd only)* | 81.3464% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9693% | 1,637 |
| Loan loss allowance to noncurrent loans | 61.9677% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 2.2301% | 2,912 |
| Noncurrent loans to loans | 3.1779% | 2,247 |
| Net loans and leases to total assets | 51.1449% | 6,770 |
| Net loans and leases to deposits | 56.2881% | 7,145 |
| Net loans and leases to core deposits | 69.6368% | 7,039 |
| Total domestic deposits to total assets | 90.8627% | 504 |
| Equity capital to assets | 8.7502% | 5,685 |
| Core capital (leverage) ratio | 8.1648% | 6,047 |
| Tier 1 risk-based capital ratio | 13.0779% | 4,085 |
| Total risk-based capital ratio | 14.2746% | 4,049 |
| Memoranda: | ||
| Average total assets | $81,146,000 | 5,757 |
| Average earning assets | $72,789,000 | 5,797 |
| Average equity | $7,250,670 | 6,282 |
| Average total loans | $43,183,330 | 6,056 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0676% | 2,082 |
| Cost of funding earning assets | 1.6753% | 5,718 |
| Net interest margin | 4.3923% | 1,365 |
| Noninterest income to average assets | 2.5742% | 240 |
| Noninterest expense to average assets | 3.4075% | 2,334 |
| Loan and lease loss provision to assets | 0.4563% | 2,644 |
| Net operating income to assets | 2.6635% | 98 |
| Return on assets (ROA) | 2.6635% | 124 |
| Pretax return on assets | 2.6635% | 189 |
| Return on Equity (ROE) | 29.4974% | 106 |
| Retained earnings to average equity (ytd only) | 23.7297% | 100 |
| Net charge-offs to loans | 0.4799% | 2,251 |
| Credit loss provision to net charge-offs | 176.9231% | 2,444 |
| Earnings coverage of net charge-offs (x) | 12.0962% | 1,826 |
| Efficiency ratio | 52.2036% | 7,394 |
| Assets per employee ($millions) | 2.6204% | 7,049 |
| Cash dividends to net income (ytd only)* | 19.5531% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 1,783 |
| Loan loss allowance to noncurrent loans | 65.0373% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 2.0990% | 2,753 |
| Noncurrent loans to loans | 2.8128% | 2,327 |
| Net loans and leases to total assets | 51.8595% | 6,700 |
| Net loans and leases to deposits | 57.4683% | 7,069 |
| Net loans and leases to core deposits | 70.2006% | 7,009 |
| Total domestic deposits to total assets | 90.2402% | 701 |
| Equity capital to assets | 9.2969% | 4,942 |
| Core capital (leverage) ratio | 8.1938% | 6,117 |
| Tier 1 risk-based capital ratio | 13.8382% | 3,672 |
| Total risk-based capital ratio | 15.0920% | 3,598 |
| Memoranda: | ||
| Average total assets | $80,645,500 | 5,797 |
| Average earning assets | $72,582,000 | 5,823 |
| Average equity | $7,282,000 | 6,307 |
| Average total loans | $43,346,000 | 6,078 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5104% | 2,909 |
| Cost of funding earning assets | 2.5106% | 4,154 |
| Net interest margin | 3.9998% | 3,110 |
| Noninterest income to average assets | 0.8968% | 1,968 |
| Noninterest expense to average assets | 3.4495% | 2,527 |
| Loan and lease loss provision to assets | 0.6576% | 2,211 |
| Net operating income to assets | 0.4534% | 4,938 |
| Return on assets (ROA) | 0.4572% | 4,747 |
| Pretax return on assets | 0.4572% | 5,103 |
| Return on Equity (ROE) | 5.7479% | 4,046 |
| Retained earnings to average equity (ytd only) | 3.3070% | 3,093 |
| Net charge-offs to loans | 1.1294% | 1,073 |
| Credit loss provision to net charge-offs | 103.7549% | 5,152 |
| Earnings coverage of net charge-offs (x) | 1.7530% | 5,198 |
| Efficiency ratio | 75.6386% | 3,294 |
| Assets per employee ($millions) | 2.6687% | 6,853 |
| Cash dividends to net income (ytd only)* | 42.4658% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 1,903 |
| Loan loss allowance to noncurrent loans | 79.1711% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.8524% | 2,666 |
| Noncurrent loans to loans | 2.1493% | 2,562 |
| Net loans and leases to total assets | 53.7547% | 6,682 |
| Net loans and leases to deposits | 59.2684% | 7,136 |
| Net loans and leases to core deposits | 72.4695% | 7,047 |
| Total domestic deposits to total assets | 90.6970% | 426 |
| Equity capital to assets | 8.7584% | 5,715 |
| Core capital (leverage) ratio | 8.2554% | 6,045 |
| Tier 1 risk-based capital ratio | 12.8206% | 4,206 |
| Total risk-based capital ratio | 14.0739% | 4,133 |
| Memoranda: | ||
| Average total assets | $79,837,800 | 5,711 |
| Average earning assets | $73,129,000 | 5,704 |
| Average equity | $6,350,200 | 6,687 |
| Average total loans | $44,800,600 | 5,935 |