Home > First Bank and Trust Company > Performance and Condition Ratios
First Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 2,272 |
| Cost of funding earning assets | 0.2782% | 4,392 |
| Net interest margin | 4.6220% | 512 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.6311% | 1,918 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.2954% | 302 |
| Return on assets (ROA) | 2.2954% | 292 |
| Pretax return on assets | 2.2954% | 435 |
| Return on Equity (ROE) | 22.1900% | 449 |
| Retained earnings to average equity (ytd only) | 8.8152% | 1,301 |
| Net charge-offs to loans | 0.2057% | 523 |
| Credit loss provision to net charge-offs | 179.0698% | 1,321 |
| Earnings coverage of net charge-offs (x) | 34.3953% | 1,549 |
| Efficiency ratio | 52.0739% | 3,824 |
| Assets per employee ($millions) | 5.0217% | 3,616 |
| Cash dividends to net income (ytd only)* | 60.2710% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 1,717 |
| Loan loss allowance to noncurrent loans | 150.8287% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 1,754 |
| Noncurrent loans to loans | 0.8686% | 878 |
| Net loans and leases to total assets | 34.1300% | 4,208 |
| Net loans and leases to deposits | 42.6109% | 4,140 |
| Net loans and leases to core deposits | 44.9978% | 4,179 |
| Total domestic deposits to total assets | 80.0900% | 3,448 |
| Equity capital to assets | 11.1484% | 1,418 |
| Core capital (leverage) ratio | 14.0186% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $61,078,200 | 4,203 |
| Average earning assets | $58,589,800 | 4,156 |
| Average equity | $6,318,600 | 4,129 |
| Average total loans | $20,899,600 | 4,283 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 2,282 |
| Cost of funding earning assets | 0.2475% | 4,405 |
| Net interest margin | 4.5465% | 582 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.4607% | 2,344 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 2.3671% | 301 |
| Return on assets (ROA) | 2.3671% | 292 |
| Pretax return on assets | 2.3671% | 443 |
| Return on Equity (ROE) | 23.3300% | 469 |
| Retained earnings to average equity (ytd only) | 19.0387% | 297 |
| Net charge-offs to loans | 0.1466% | 564 |
| Credit loss provision to net charge-offs | 330.4348% | 831 |
| Earnings coverage of net charge-offs (x) | 50.6087% | 1,307 |
| Efficiency ratio | 49.2810% | 3,964 |
| Assets per employee ($millions) | 4.7953% | 3,742 |
| Cash dividends to net income (ytd only)* | 18.3824% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 1,378 |
| Loan loss allowance to noncurrent loans | 117.2691% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 1,347 |
| Noncurrent loans to loans | 1.2091% | 643 |
| Net loans and leases to total assets | 35.2800% | 4,207 |
| Net loans and leases to deposits | 46.1691% | 4,047 |
| Net loans and leases to core deposits | 48.4129% | 4,079 |
| Total domestic deposits to total assets | 76.4100% | 3,979 |
| Equity capital to assets | 10.8717% | 1,397 |
| Core capital (leverage) ratio | 14.9979% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $61,282,750 | 4,215 |
| Average earning assets | $58,710,750 | 4,173 |
| Average equity | $6,218,750 | 4,146 |
| Average total loans | $20,915,250 | 4,297 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 2,338 |
| Cost of funding earning assets | 0.2202% | 4,408 |
| Net interest margin | 4.4171% | 688 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.4053% | 2,465 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 2.3893% | 273 |
| Return on assets (ROA) | 2.3893% | 268 |
| Pretax return on assets | 2.3893% | 404 |
| Return on Equity (ROE) | 24.0700% | 423 |
| Retained earnings to average equity (ytd only) | 17.6272% | 362 |
| Net charge-offs to loans | 0.1712% | 462 |
| Credit loss provision to net charge-offs | 238.8889% | 978 |
| Earnings coverage of net charge-offs (x) | 43.8889% | 1,352 |
| Efficiency ratio | 48.7678% | 4,014 |
| Assets per employee ($millions) | 4.7622% | 3,782 |
| Cash dividends to net income (ytd only)* | 26.7738% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,117 |
| Loan loss allowance to noncurrent loans | 112.8205% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 1,412 |
| Noncurrent loans to loans | 1.1189% | 636 |
| Net loans and leases to total assets | 33.3500% | 4,257 |
| Net loans and leases to deposits | 45.3067% | 4,065 |
| Net loans and leases to core deposits | 47.4254% | 4,092 |
| Total domestic deposits to total assets | 73.6200% | 4,217 |
| Equity capital to assets | 10.5122% | 1,596 |
| Core capital (leverage) ratio | 13.4683% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $62,529,000 | 4,225 |
| Average earning assets | $59,949,000 | 4,183 |
| Average equity | $6,206,333 | 4,169 |
| Average total loans | $21,022,667 | 4,316 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 2,515 |
| Cost of funding earning assets | 0.1992% | 4,380 |
| Net interest margin | 4.2167% | 923 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 2.3616% | 2,632 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 2.1961% | 369 |
| Return on assets (ROA) | 2.1961% | 368 |
| Pretax return on assets | 2.1961% | 577 |
| Return on Equity (ROE) | 22.7900% | 521 |
| Retained earnings to average equity (ytd only) | 22.7892% | 252 |
| Net charge-offs to loans | 0.3796% | 212 |
| Credit loss provision to net charge-offs | 215.0000% | 797 |
| Earnings coverage of net charge-offs (x) | 19.4000% | 1,469 |
| Efficiency ratio | 48.8801% | 4,037 |
| Assets per employee ($millions) | 4.7256% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,316 |
| Loan loss allowance to noncurrent loans | 184.5070% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 1,959 |
| Noncurrent loans to loans | 0.6746% | 1,121 |
| Net loans and leases to total assets | 33.8400% | 4,266 |
| Net loans and leases to deposits | 45.6727% | 4,049 |
| Net loans and leases to core deposits | 47.8093% | 4,056 |
| Total domestic deposits to total assets | 74.0900% | 4,282 |
| Equity capital to assets | 10.3544% | 1,637 |
| Core capital (leverage) ratio | 13.1498% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $62,839,000 | 4,281 |
| Average earning assets | $60,236,500 | 4,230 |
| Average equity | $6,055,500 | 4,240 |
| Average total loans | $21,077,500 | 4,380 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4192% | 3,297 |
| Cost of funding earning assets | 0.1180% | 4,293 |
| Net interest margin | 3.3013% | 2,561 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.5782% | 1,886 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.3265% | 1,347 |
| Return on assets (ROA) | 1.3265% | 1,307 |
| Pretax return on assets | 1.3265% | 2,002 |
| Return on Equity (ROE) | 13.7300% | 1,596 |
| Retained earnings to average equity (ytd only) | 6.0418% | 2,628 |
| Net charge-offs to loans | 0.2491% | 320 |
| Credit loss provision to net charge-offs | 172.5490% | 1,207 |
| Earnings coverage of net charge-offs (x) | 18.4314% | 1,931 |
| Efficiency ratio | 63.7904% | 2,525 |
| Assets per employee ($millions) | 4.5889% | 3,973 |
| Cash dividends to net income (ytd only)* | 55.9859% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 2,727 |
| Loan loss allowance to noncurrent loans | 223.3645% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 2,378 |
| Noncurrent loans to loans | 0.5070% | 1,436 |
| Net loans and leases to total assets | 32.4800% | 4,325 |
| Net loans and leases to deposits | 41.1108% | 4,213 |
| Net loans and leases to core deposits | 43.0603% | 4,206 |
| Total domestic deposits to total assets | 79.0100% | 4,005 |
| Equity capital to assets | 8.9501% | 2,390 |
| Core capital (leverage) ratio | 12.0876% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $64,230,000 | 4,291 |
| Average earning assets | $61,037,000 | 4,248 |
| Average equity | $6,206,800 | 4,307 |
| Average total loans | $20,474,400 | 4,411 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1353% | 3,591 |
| Cost of funding earning assets | 0.1073% | 4,223 |
| Net interest margin | 3.0280% | 3,149 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 2.4268% | 2,236 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.2227% | 1,620 |
| Return on assets (ROA) | 1.2227% | 1,595 |
| Pretax return on assets | 1.2227% | 2,280 |
| Return on Equity (ROE) | 12.4200% | 1,905 |
| Retained earnings to average equity (ytd only) | 12.4239% | 710 |
| Net charge-offs to loans | 0.3281% | 196 |
| Credit loss provision to net charge-offs | 128.0000% | 1,186 |
| Earnings coverage of net charge-offs (x) | 13.0600% | 1,898 |
| Efficiency ratio | 64.1603% | 2,526 |
| Assets per employee ($millions) | 4.5209% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 3,252 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 32.1400% | 4,367 |
| Net loans and leases to deposits | 40.6333% | 4,216 |
| Net loans and leases to core deposits | 42.6394% | 4,208 |
| Total domestic deposits to total assets | 79.0900% | 4,172 |
| Equity capital to assets | 8.5224% | 2,531 |
| Core capital (leverage) ratio | 12.8555% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $64,226,250 | 4,323 |
| Average earning assets | $60,896,750 | 4,279 |
| Average equity | $6,321,000 | 4,332 |
| Average total loans | $20,316,500 | 4,445 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8923% | 3,804 |
| Cost of funding earning assets | 0.1047% | 4,142 |
| Net interest margin | 2.7876% | 3,481 |
| Noninterest income to average assets | 0.9421% | 766 |
| Noninterest expense to average assets | 2.3676% | 2,343 |
| Loan and lease loss provision to assets | 0.1054% | 948 |
| Net operating income to assets | 1.1094% | 1,738 |
| Return on assets (ROA) | 1.1094% | 1,715 |
| Pretax return on assets | 1.1094% | 2,371 |
| Return on Equity (ROE) | 10.7994% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.7994% | 823 |
| Net charge-offs to loans | 0.1285% | 489 |
| Credit loss provision to net charge-offs | 261.5385% | 851 |
| Earnings coverage of net charge-offs (x) | 30.1538% | 1,387 |
| Efficiency ratio | 66.0900% | 2,495 |
| Assets per employee ($millions) | 4.5608% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,299 |
| Loan loss allowance to noncurrent loans | 229.8969% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,653 |
| Noncurrent loans to loans | 0.4633% | 1,723 |
| Net loans and leases to total assets | 32.4396% | 4,385 |
| Net loans and leases to deposits | 41.8901% | 4,195 |
| Net loans and leases to core deposits | 43.9935% | 4,188 |
| Total domestic deposits to total assets | 77.4397% | 4,385 |
| Equity capital to assets | 9.2810% | 2,180 |
| Core capital (leverage) ratio | 12.0167% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,537,667 | 4,361 |
| Average earning assets | $61,127,667 | 4,336 |
| Average equity | $6,630,000 | 4,352 |
| Average total loans | $20,237,000 | 4,502 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7095% | 3,937 |
| Cost of funding earning assets | 0.1094% | 4,027 |
| Net interest margin | 2.6001% | 3,662 |
| Noninterest income to average assets | 0.9741% | 716 |
| Noninterest expense to average assets | 2.3428% | 2,364 |
| Loan and lease loss provision to assets | 0.0555% | 1,388 |
| Net operating income to assets | 1.0666% | 1,632 |
| Return on assets (ROA) | 1.0666% | 1,624 |
| Pretax return on assets | 1.0666% | 2,242 |
| Return on Equity (ROE) | 9.9112% | 1,992 |
| Retained earnings to average equity (ytd only) | 9.9112% | 1,040 |
| Net charge-offs to loans | 0.2816% | 225 |
| Credit loss provision to net charge-offs | 64.2857% | 1,154 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,403 |
| Efficiency ratio | 67.6157% | 2,549 |
| Assets per employee ($millions) | 4.4775% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,801 |
| Loan loss allowance to noncurrent loans | 234.5238% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 2,856 |
| Noncurrent loans to loans | 0.4180% | 1,991 |
| Net loans and leases to total assets | 31.7412% | 4,390 |
| Net loans and leases to deposits | 42.0211% | 4,160 |
| Net loans and leases to core deposits | 44.2372% | 4,151 |
| Total domestic deposits to total assets | 75.5364% | 4,521 |
| Equity capital to assets | 10.2305% | 1,734 |
| Core capital (leverage) ratio | 11.8987% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,881,000 | 4,379 |
| Average earning assets | $62,152,000 | 4,346 |
| Average equity | $6,982,000 | 4,363 |
| Average total loans | $19,887,500 | 4,525 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6797% | 4,334 |
| Cost of funding earning assets | 0.1394% | 4,073 |
| Net interest margin | 2.5402% | 4,135 |
| Noninterest income to average assets | 0.9813% | 1,039 |
| Noninterest expense to average assets | 2.6815% | 1,683 |
| Loan and lease loss provision to assets | 0.1023% | 1,227 |
| Net operating income to assets | 0.6166% | 3,837 |
| Return on assets (ROA) | 0.6166% | 3,882 |
| Pretax return on assets | 0.6166% | 4,079 |
| Return on Equity (ROE) | 5.3031% | 3,931 |
| Retained earnings to average equity (ytd only) | 1.8902% | 4,011 |
| Net charge-offs to loans | 0.4152% | 197 |
| Credit loss provision to net charge-offs | 84.8101% | 1,919 |
| Earnings coverage of net charge-offs (x) | 5.9620% | 2,424 |
| Efficiency ratio | 78.8600% | 880 |
| Assets per employee ($millions) | 4.7912% | 3,894 |
| Cash dividends to net income (ytd only)* | 64.3564% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,656 |
| Loan loss allowance to noncurrent loans | 4,020.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,087 |
| Noncurrent loans to loans | 0.0254% | 3,886 |
| Net loans and leases to total assets | 29.0413% | 4,539 |
| Net loans and leases to deposits | 38.6615% | 4,377 |
| Net loans and leases to core deposits | 41.3465% | 4,359 |
| Total domestic deposits to total assets | 75.1167% | 4,552 |
| Equity capital to assets | 11.2572% | 1,629 |
| Core capital (leverage) ratio | 11.1294% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,523,200 | 4,386 |
| Average earning assets | $62,396,000 | 4,357 |
| Average equity | $7,618,200 | 4,365 |
| Average total loans | $19,029,000 | 4,586 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7320% | 4,376 |
| Cost of funding earning assets | 0.1442% | 4,160 |
| Net interest margin | 2.5877% | 4,151 |
| Noninterest income to average assets | 1.0174% | 1,041 |
| Noninterest expense to average assets | 2.7102% | 1,563 |
| Loan and lease loss provision to assets | 0.0814% | 1,458 |
| Net operating income to assets | 0.6857% | 3,804 |
| Return on assets (ROA) | 0.6857% | 3,863 |
| Pretax return on assets | 0.6857% | 4,089 |
| Return on Equity (ROE) | 5.8501% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.3308% | 3,468 |
| Net charge-offs to loans | 0.4664% | 165 |
| Credit loss provision to net charge-offs | 60.6061% | 1,802 |
| Earnings coverage of net charge-offs (x) | 5.6818% | 2,215 |
| Efficiency ratio | 77.9282% | 879 |
| Assets per employee ($millions) | 4.6810% | 3,982 |
| Cash dividends to net income (ytd only)* | 25.9701% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 28.1869% | 4,642 |
| Net loans and leases to deposits | 37.1528% | 4,540 |
| Net loans and leases to core deposits | 39.7855% | 4,520 |
| Total domestic deposits to total assets | 75.8675% | 4,551 |
| Equity capital to assets | 11.8076% | 1,486 |
| Core capital (leverage) ratio | 11.2966% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,134,750 | 4,448 |
| Average earning assets | $61,932,000 | 4,420 |
| Average equity | $7,635,000 | 4,428 |
| Average total loans | $18,866,000 | 4,653 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8261% | 4,317 |
| Cost of funding earning assets | 0.1525% | 4,188 |
| Net interest margin | 2.6736% | 4,033 |
| Noninterest income to average assets | 1.0861% | 946 |
| Noninterest expense to average assets | 2.9753% | 1,025 |
| Loan and lease loss provision to assets | 0.1231% | 1,021 |
| Net operating income to assets | 0.5231% | 4,170 |
| Return on assets (ROA) | 0.5231% | 4,216 |
| Pretax return on assets | 0.5231% | 4,346 |
| Return on Equity (ROE) | 4.4733% | 4,237 |
| Retained earnings to average equity (ytd only) | 2.1840% | 4,070 |
| Net charge-offs to loans | 0.7077% | 116 |
| Credit loss provision to net charge-offs | 59.7015% | 1,561 |
| Earnings coverage of net charge-offs (x) | 3.1343% | 2,089 |
| Efficiency ratio | 82.1580% | 663 |
| Assets per employee ($millions) | 4.9477% | 3,700 |
| Cash dividends to net income (ytd only)* | 51.1765% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 3,708 |
| Loan loss allowance to noncurrent loans | 2,337.5000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 4,039 |
| Noncurrent loans to loans | 0.0442% | 3,964 |
| Net loans and leases to total assets | 25.8835% | 4,750 |
| Net loans and leases to deposits | 33.9989% | 4,681 |
| Net loans and leases to core deposits | 36.2700% | 4,664 |
| Total domestic deposits to total assets | 76.1304% | 4,556 |
| Equity capital to assets | 10.9430% | 2,027 |
| Core capital (leverage) ratio | 11.0957% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,001,667 | 4,478 |
| Average earning assets | $61,640,667 | 4,452 |
| Average equity | $7,600,667 | 4,457 |
| Average total loans | $18,935,000 | 4,687 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1466% | 3,789 |
| Cost of funding earning assets | 0.1617% | 4,228 |
| Net interest margin | 2.9848% | 3,296 |
| Noninterest income to average assets | 1.1389% | 936 |
| Noninterest expense to average assets | 3.2321% | 678 |
| Loan and lease loss provision to assets | 0.2545% | 406 |
| Net operating income to assets | 0.4708% | 4,233 |
| Return on assets (ROA) | 0.4708% | 4,269 |
| Pretax return on assets | 0.4708% | 4,392 |
| Return on Equity (ROE) | 3.8891% | 4,306 |
| Retained earnings to average equity (ytd only) | 3.8891% | 3,534 |
| Net charge-offs to loans | 1.0339% | 72 |
| Credit loss provision to net charge-offs | 80.0000% | 1,208 |
| Earnings coverage of net charge-offs (x) | 2.2800% | 1,813 |
| Efficiency ratio | 81.6720% | 718 |
| Assets per employee ($millions) | 4.6635% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 3,716 |
| Loan loss allowance to noncurrent loans | 1,457.1429% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,071 |
| Noncurrent loans to loans | 0.0709% | 3,934 |
| Net loans and leases to total assets | 29.9361% | 4,694 |
| Net loans and leases to deposits | 40.4776% | 4,548 |
| Net loans and leases to core deposits | 43.4449% | 4,516 |
| Total domestic deposits to total assets | 73.9573% | 4,674 |
| Equity capital to assets | 11.4874% | 1,552 |
| Core capital (leverage) ratio | 11.6113% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,868,500 | 4,522 |
| Average earning assets | $59,366,500 | 4,497 |
| Average equity | $7,611,000 | 4,471 |
| Average total loans | $19,344,500 | 4,708 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5426% | 3,937 |
| Cost of funding earning assets | 0.2598% | 4,338 |
| Net interest margin | 3.2828% | 3,114 |
| Noninterest income to average assets | 1.0488% | 963 |
| Noninterest expense to average assets | 3.7103% | 520 |
| Loan and lease loss provision to assets | 0.0176% | 4,159 |
| Net operating income to assets | 0.3180% | 4,406 |
| Return on assets (ROA) | 0.3180% | 4,472 |
| Pretax return on assets | 0.3180% | 4,522 |
| Return on Equity (ROE) | 2.3467% | 4,516 |
| Retained earnings to average equity (ytd only) | 0.5834% | 4,346 |
| Net charge-offs to loans | 0.2081% | 837 |
| Credit loss provision to net charge-offs | 23.2558% | 3,235 |
| Earnings coverage of net charge-offs (x) | 4.4419% | 2,982 |
| Efficiency ratio | 91.7065% | 325 |
| Assets per employee ($millions) | 4.0299% | 4,352 |
| Cash dividends to net income (ytd only)* | 75.1381% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 3,305 |
| Loan loss allowance to noncurrent loans | 411.5385% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 3,767 |
| Noncurrent loans to loans | 0.2746% | 3,205 |
| Net loans and leases to total assets | 30.9787% | 4,733 |
| Net loans and leases to deposits | 43.1654% | 4,553 |
| Net loans and leases to core deposits | 46.7157% | 4,526 |
| Total domestic deposits to total assets | 71.7675% | 4,721 |
| Equity capital to assets | 12.7746% | 1,189 |
| Core capital (leverage) ratio | 12.0810% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,922,600 | 4,555 |
| Average earning assets | $51,968,200 | 4,559 |
| Average equity | $7,713,000 | 4,453 |
| Average total loans | $20,666,000 | 4,698 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8128% | 3,525 |
| Cost of funding earning assets | 0.2858% | 4,367 |
| Net interest margin | 3.5270% | 2,495 |
| Noninterest income to average assets | 1.0682% | 912 |
| Noninterest expense to average assets | 3.7091% | 521 |
| Loan and lease loss provision to assets | 0.0232% | 4,041 |
| Net operating income to assets | 0.5353% | 3,946 |
| Return on assets (ROA) | 0.5353% | 4,034 |
| Pretax return on assets | 0.5353% | 4,215 |
| Return on Equity (ROE) | 3.8906% | 4,186 |
| Retained earnings to average equity (ytd only) | 2.2306% | 3,851 |
| Net charge-offs to loans | 0.0632% | 1,702 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,792 |
| Efficiency ratio | 86.9008% | 464 |
| Assets per employee ($millions) | 3.5941% | 4,618 |
| Cash dividends to net income (ytd only)* | 42.6667% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,613 |
| Loan loss allowance to noncurrent loans | 177.6978% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 3,051 |
| Noncurrent loans to loans | 0.6807% | 2,091 |
| Net loans and leases to total assets | 35.0798% | 4,712 |
| Net loans and leases to deposits | 47.5823% | 4,565 |
| Net loans and leases to core deposits | 51.1486% | 4,549 |
| Total domestic deposits to total assets | 73.7245% | 4,586 |
| Equity capital to assets | 13.5429% | 987 |
| Core capital (leverage) ratio | 12.5785% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,041,250 | 4,583 |
| Average earning assets | $50,845,000 | 4,591 |
| Average equity | $7,710,750 | 4,479 |
| Average total loans | $21,097,500 | 4,722 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 3,084 |
| Cost of funding earning assets | 0.3140% | 4,422 |
| Net interest margin | 3.7725% | 1,908 |
| Noninterest income to average assets | 1.0836% | 849 |
| Noninterest expense to average assets | 3.7586% | 530 |
| Loan and lease loss provision to assets | 0.0180% | 4,011 |
| Net operating income to assets | 0.7236% | 3,305 |
| Return on assets (ROA) | 0.7236% | 3,415 |
| Pretax return on assets | 0.7236% | 3,815 |
| Return on Equity (ROE) | 5.2310% | 3,765 |
| Retained earnings to average equity (ytd only) | 3.5133% | 3,174 |
| Net charge-offs to loans | 0.0750% | 1,502 |
| Credit loss provision to net charge-offs | 62.5000% | 2,576 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,541 |
| Efficiency ratio | 83.5200% | 667 |
| Assets per employee ($millions) | 3.6531% | 4,578 |
| Cash dividends to net income (ytd only)* | 32.8358% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 2,856 |
| Loan loss allowance to noncurrent loans | 167.1233% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 3,312 |
| Noncurrent loans to loans | 0.6790% | 2,173 |
| Net loans and leases to total assets | 36.3719% | 4,714 |
| Net loans and leases to deposits | 49.2894% | 4,563 |
| Net loans and leases to core deposits | 52.9173% | 4,529 |
| Total domestic deposits to total assets | 73.7925% | 4,610 |
| Equity capital to assets | 13.4083% | 1,006 |
| Core capital (leverage) ratio | 13.0692% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,553,000 | 4,605 |
| Average earning assets | $50,311,333 | 4,613 |
| Average equity | $7,685,000 | 4,501 |
| Average total loans | $21,323,333 | 4,743 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 3,642 |
| Cost of funding earning assets | 0.3351% | 4,562 |
| Net interest margin | 3.7187% | 2,269 |
| Noninterest income to average assets | 1.1829% | 625 |
| Noninterest expense to average assets | 4.0366% | 490 |
| Loan and lease loss provision to assets | 0.0370% | 3,309 |
| Net operating income to assets | 0.4732% | 3,963 |
| Return on assets (ROA) | 0.4732% | 4,016 |
| Pretax return on assets | 0.4732% | 4,165 |
| Return on Equity (ROE) | 3.3644% | 4,127 |
| Retained earnings to average equity (ytd only) | 0.5783% | 3,852 |
| Net charge-offs to loans | 0.1695% | 783 |
| Credit loss provision to net charge-offs | 55.5556% | 2,035 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 1,904 |
| Efficiency ratio | 88.7805% | 546 |
| Assets per employee ($millions) | 3.1922% | 4,694 |
| Cash dividends to net income (ytd only)* | 82.8125% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 2,952 |
| Loan loss allowance to noncurrent loans | 119.7044% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 2,947 |
| Noncurrent loans to loans | 0.9581% | 1,712 |
| Net loans and leases to total assets | 38.5962% | 4,711 |
| Net loans and leases to deposits | 53.8875% | 4,450 |
| Net loans and leases to core deposits | 58.3345% | 4,420 |
| Total domestic deposits to total assets | 71.6236% | 4,788 |
| Equity capital to assets | 14.3034% | 962 |
| Core capital (leverage) ratio | 13.7177% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,105,000 | 4,640 |
| Average earning assets | $48,941,500 | 4,655 |
| Average equity | $7,609,000 | 4,537 |
| Average total loans | $21,233,500 | 4,780 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 3,628 |
| Cost of funding earning assets | 0.2868% | 4,761 |
| Net interest margin | 3.9794% | 1,911 |
| Noninterest income to average assets | 1.1606% | 698 |
| Noninterest expense to average assets | 3.9237% | 582 |
| Loan and lease loss provision to assets | 0.0181% | 3,650 |
| Net operating income to assets | 0.8112% | 3,525 |
| Return on assets (ROA) | 0.8112% | 3,615 |
| Pretax return on assets | 0.8112% | 3,952 |
| Return on Equity (ROE) | 6.2572% | 3,831 |
| Retained earnings to average equity (ytd only) | 5.2096% | 2,309 |
| Net charge-offs to loans | 0.3335% | 623 |
| Credit loss provision to net charge-offs | 13.6986% | 3,342 |
| Earnings coverage of net charge-offs (x) | 6.2740% | 2,987 |
| Efficiency ratio | 82.5524% | 768 |
| Assets per employee ($millions) | 3.1731% | 4,723 |
| Cash dividends to net income (ytd only)* | 16.7411% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,638 |
| Loan loss allowance to noncurrent loans | 257.2917% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 3,762 |
| Noncurrent loans to loans | 0.4511% | 2,822 |
| Net loans and leases to total assets | 38.9893% | 4,773 |
| Net loans and leases to deposits | 53.5929% | 4,551 |
| Net loans and leases to core deposits | 57.9633% | 4,527 |
| Total domestic deposits to total assets | 72.7509% | 4,839 |
| Equity capital to assets | 13.8220% | 1,158 |
| Core capital (leverage) ratio | 13.4278% | 1,076 |
| Tier 1 risk-based capital ratio | 32.5544% | 399 |
| Total risk-based capital ratio | 33.6559% | 395 |
| Memoranda: | ||
| Average total assets | $55,228,200 | 4,661 |
| Average earning assets | $49,856,200 | 4,676 |
| Average equity | $7,159,800 | 4,618 |
| Average total loans | $21,886,400 | 4,821 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 3,706 |
| Cost of funding earning assets | 0.2714% | 4,868 |
| Net interest margin | 4.0131% | 1,893 |
| Noninterest income to average assets | 1.1569% | 683 |
| Noninterest expense to average assets | 3.8331% | 629 |
| Loan and lease loss provision to assets | 0.0240% | 3,416 |
| Net operating income to assets | 0.9193% | 3,274 |
| Return on assets (ROA) | 0.9193% | 3,353 |
| Pretax return on assets | 0.9193% | 3,820 |
| Return on Equity (ROE) | 7.2067% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.7956% | 2,462 |
| Net charge-offs to loans | 0.4356% | 384 |
| Credit loss provision to net charge-offs | 13.8889% | 2,990 |
| Earnings coverage of net charge-offs (x) | 5.4582% | 2,920 |
| Efficiency ratio | 80.2513% | 902 |
| Assets per employee ($millions) | 3.1954% | 4,762 |
| Cash dividends to net income (ytd only)* | 19.5829% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,749 |
| Loan loss allowance to noncurrent loans | 751.5152% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 4,410 |
| Noncurrent loans to loans | 0.1537% | 3,989 |
| Net loans and leases to total assets | 39.0726% | 4,846 |
| Net loans and leases to deposits | 54.3144% | 4,616 |
| Net loans and leases to core deposits | 58.4437% | 4,588 |
| Total domestic deposits to total assets | 71.9377% | 4,922 |
| Equity capital to assets | 13.5893% | 1,322 |
| Core capital (leverage) ratio | 13.3496% | 1,192 |
| Tier 1 risk-based capital ratio | 34.4309% | 361 |
| Total risk-based capital ratio | 35.6110% | 356 |
| Memoranda: | ||
| Average total assets | $55,549,500 | 4,724 |
| Average earning assets | $50,102,000 | 4,739 |
| Average equity | $7,085,750 | 4,684 |
| Average total loans | $22,038,250 | 4,891 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 3,710 |
| Cost of funding earning assets | 0.2576% | 4,936 |
| Net interest margin | 4.0186% | 1,859 |
| Noninterest income to average assets | 1.1580% | 635 |
| Noninterest expense to average assets | 3.8421% | 638 |
| Loan and lease loss provision to assets | 0.0179% | 3,430 |
| Net operating income to assets | 0.9221% | 3,203 |
| Return on assets (ROA) | 0.9221% | 3,264 |
| Pretax return on assets | 0.9221% | 3,782 |
| Return on Equity (ROE) | 7.3851% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.3833% | 2,107 |
| Net charge-offs to loans | 0.4679% | 341 |
| Credit loss provision to net charge-offs | 9.6154% | 2,694 |
| Earnings coverage of net charge-offs (x) | 5.0577% | 2,690 |
| Efficiency ratio | 80.3438% | 943 |
| Assets per employee ($millions) | 3.1688% | 4,792 |
| Cash dividends to net income (ytd only)* | 13.5659% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,529 |
| Loan loss allowance to noncurrent loans | 526.0000% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 4,304 |
| Noncurrent loans to loans | 0.2280% | 3,724 |
| Net loans and leases to total assets | 40.2172% | 4,835 |
| Net loans and leases to deposits | 54.7497% | 4,649 |
| Net loans and leases to core deposits | 58.8467% | 4,613 |
| Total domestic deposits to total assets | 73.4565% | 4,868 |
| Equity capital to assets | 13.5344% | 1,303 |
| Core capital (leverage) ratio | 12.8807% | 1,363 |
| Tier 1 risk-based capital ratio | 33.3302% | 384 |
| Total risk-based capital ratio | 34.5560% | 377 |
| Memoranda: | ||
| Average total assets | $55,958,670 | 4,754 |
| Average earning assets | $50,465,000 | 4,769 |
| Average equity | $6,987,000 | 4,729 |
| Average total loans | $22,226,670 | 4,934 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 3,903 |
| Cost of funding earning assets | 0.2492% | 4,983 |
| Net interest margin | 3.9410% | 2,062 |
| Noninterest income to average assets | 1.1298% | 635 |
| Noninterest expense to average assets | 3.8594% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8210% | 3,551 |
| Return on assets (ROA) | 0.8210% | 3,590 |
| Pretax return on assets | 0.8210% | 3,992 |
| Return on Equity (ROE) | 6.8471% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.8471% | 2,099 |
| Net charge-offs to loans | 0.8581% | 171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.4375% | 2,495 |
| Efficiency ratio | 82.4588% | 833 |
| Assets per employee ($millions) | 3.1844% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 2,705 |
| Loan loss allowance to noncurrent loans | 6,550.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 4,848 |
| Noncurrent loans to loans | 0.0180% | 4,702 |
| Net loans and leases to total assets | 38.3932% | 4,941 |
| Net loans and leases to deposits | 50.9221% | 4,788 |
| Net loans and leases to core deposits | 53.9943% | 4,786 |
| Total domestic deposits to total assets | 75.3960% | 4,826 |
| Equity capital to assets | 12.2383% | 1,886 |
| Core capital (leverage) ratio | 12.5198% | 1,503 |
| Tier 1 risk-based capital ratio | 31.4703% | 429 |
| Total risk-based capital ratio | 32.6408% | 425 |
| Memoranda: | ||
| Average total assets | $57,003,000 | 4,791 |
| Average earning assets | $51,357,500 | 4,807 |
| Average equity | $6,835,000 | 4,783 |
| Average total loans | $22,376,000 | 4,985 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,848 |
| Cost of funding earning assets | 0.2402% | 4,848 |
| Net interest margin | 3.8273% | 2,569 |
| Noninterest income to average assets | 1.2325% | 614 |
| Noninterest expense to average assets | 3.8266% | 660 |
| Loan and lease loss provision to assets | 0.1624% | 1,253 |
| Net operating income to assets | 0.6930% | 4,153 |
| Return on assets (ROA) | 0.6930% | 4,158 |
| Pretax return on assets | 0.6930% | 4,432 |
| Return on Equity (ROE) | 6.0316% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.7527% | 3,508 |
| Net charge-offs to loans | 0.2625% | 736 |
| Credit loss provision to net charge-offs | 155.0000% | 1,785 |
| Earnings coverage of net charge-offs (x) | 8.1667% | 2,920 |
| Efficiency ratio | 81.7301% | 825 |
| Assets per employee ($millions) | 2.8343% | 5,075 |
| Cash dividends to net income (ytd only)* | 37.7834% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 1,718 |
| Loan loss allowance to noncurrent loans | 373.4940% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 4,098 |
| Noncurrent loans to loans | 0.3692% | 3,216 |
| Net loans and leases to total assets | 39.1155% | 4,976 |
| Net loans and leases to deposits | 51.7348% | 4,828 |
| Net loans and leases to core deposits | 55.2227% | 4,806 |
| Total domestic deposits to total assets | 75.6077% | 4,795 |
| Equity capital to assets | 11.7401% | 2,071 |
| Core capital (leverage) ratio | 11.9724% | 1,752 |
| Tier 1 risk-based capital ratio | 30.6504% | 446 |
| Total risk-based capital ratio | 31.9027% | 437 |
| Memoranda: | ||
| Average total assets | $57,283,400 | 4,810 |
| Average earning assets | $51,628,600 | 4,826 |
| Average equity | $6,582,000 | 4,816 |
| Average total loans | $22,854,800 | 5,006 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 4,001 |
| Cost of funding earning assets | 0.2366% | 4,862 |
| Net interest margin | 3.7390% | 2,864 |
| Noninterest income to average assets | 1.2211% | 642 |
| Noninterest expense to average assets | 3.6006% | 856 |
| Loan and lease loss provision to assets | 0.0302% | 3,416 |
| Net operating income to assets | 0.9657% | 3,237 |
| Return on assets (ROA) | 0.9657% | 3,250 |
| Pretax return on assets | 0.9657% | 3,833 |
| Return on Equity (ROE) | 8.4502% | 3,354 |
| Retained earnings to average equity (ytd only) | 8.4502% | 1,446 |
| Net charge-offs to loans | 0.1627% | 1,013 |
| Credit loss provision to net charge-offs | 46.4286% | 2,861 |
| Earnings coverage of net charge-offs (x) | 15.3225% | 2,235 |
| Efficiency ratio | 78.3333% | 1,087 |
| Assets per employee ($millions) | 2.8869% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 2,983 |
| Loan loss allowance to noncurrent loans | 123.5849% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 3,202 |
| Noncurrent loans to loans | 0.9202% | 1,860 |
| Net loans and leases to total assets | 39.4496% | 5,041 |
| Net loans and leases to deposits | 51.4049% | 4,904 |
| Net loans and leases to core deposits | 54.7445% | 4,884 |
| Total domestic deposits to total assets | 76.7428% | 4,685 |
| Equity capital to assets | 11.5039% | 2,258 |
| Core capital (leverage) ratio | 12.1415% | 1,702 |
| Tier 1 risk-based capital ratio | 30.3832% | 460 |
| Total risk-based capital ratio | 31.5050% | 456 |
| Memoranda: | ||
| Average total assets | $57,432,750 | 4,857 |
| Average earning assets | $51,848,000 | 4,877 |
| Average equity | $6,563,750 | 4,869 |
| Average total loans | $22,947,750 | 5,065 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 4,213 |
| Cost of funding earning assets | 0.2359% | 4,822 |
| Net interest margin | 3.6157% | 3,254 |
| Noninterest income to average assets | 1.2349% | 633 |
| Noninterest expense to average assets | 3.6071% | 857 |
| Loan and lease loss provision to assets | 0.0279% | 3,356 |
| Net operating income to assets | 0.8617% | 3,623 |
| Return on assets (ROA) | 0.8617% | 3,621 |
| Pretax return on assets | 0.8617% | 4,078 |
| Return on Equity (ROE) | 7.5562% | 3,698 |
| Retained earnings to average equity (ytd only) | 7.5562% | 1,819 |
| Net charge-offs to loans | 0.2356% | 676 |
| Credit loss provision to net charge-offs | 29.6296% | 2,628 |
| Earnings coverage of net charge-offs (x) | 9.4444% | 2,394 |
| Efficiency ratio | 80.2172% | 994 |
| Assets per employee ($millions) | 3.0174% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 3,058 |
| Loan loss allowance to noncurrent loans | 614.2857% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 3,883 |
| Noncurrent loans to loans | 0.1850% | 4,075 |
| Net loans and leases to total assets | 37.1860% | 5,149 |
| Net loans and leases to deposits | 48.0175% | 5,026 |
| Net loans and leases to core deposits | 51.0359% | 5,018 |
| Total domestic deposits to total assets | 77.4425% | 4,671 |
| Equity capital to assets | 10.9183% | 2,716 |
| Core capital (leverage) ratio | 12.0808% | 1,665 |
| Tier 1 risk-based capital ratio | 29.0872% | 513 |
| Total risk-based capital ratio | 30.1705% | 517 |
| Memoranda: | ||
| Average total assets | $57,331,330 | 4,913 |
| Average earning assets | $51,719,000 | 4,938 |
| Average equity | $6,537,670 | 4,921 |
| Average total loans | $22,917,330 | 5,125 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 4,267 |
| Cost of funding earning assets | 0.2390% | 4,770 |
| Net interest margin | 3.5452% | 3,364 |
| Noninterest income to average assets | 1.2038% | 636 |
| Noninterest expense to average assets | 3.6902% | 771 |
| Loan and lease loss provision to assets | 0.0573% | 2,625 |
| Net operating income to assets | 0.6449% | 4,296 |
| Return on assets (ROA) | 0.6449% | 4,306 |
| Pretax return on assets | 0.6449% | 4,577 |
| Return on Equity (ROE) | 5.5283% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.5283% | 2,937 |
| Net charge-offs to loans | 0.2258% | 664 |
| Credit loss provision to net charge-offs | 61.5385% | 1,884 |
| Earnings coverage of net charge-offs (x) | 7.5385% | 2,079 |
| Efficiency ratio | 84.0131% | 796 |
| Assets per employee ($millions) | 2.8343% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,865 |
| Loan loss allowance to noncurrent loans | 192.9078% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 3,879 |
| Noncurrent loans to loans | 0.6171% | 2,689 |
| Net loans and leases to total assets | 39.8264% | 5,073 |
| Net loans and leases to deposits | 52.2218% | 4,872 |
| Net loans and leases to core deposits | 56.6994% | 4,810 |
| Total domestic deposits to total assets | 76.2640% | 4,942 |
| Equity capital to assets | 11.3979% | 2,218 |
| Core capital (leverage) ratio | 12.1975% | 1,529 |
| Tier 1 risk-based capital ratio | 28.9465% | 515 |
| Total risk-based capital ratio | 30.1095% | 519 |
| Memoranda: | ||
| Average total assets | $55,823,000 | 5,007 |
| Average earning assets | $50,208,500 | 5,027 |
| Average equity | $6,512,000 | 4,979 |
| Average total loans | $23,026,500 | 5,172 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8087% | 4,022 |
| Cost of funding earning assets | 0.2252% | 4,753 |
| Net interest margin | 3.5835% | 3,229 |
| Noninterest income to average assets | 1.2792% | 650 |
| Noninterest expense to average assets | 3.9416% | 584 |
| Loan and lease loss provision to assets | 0.2581% | 716 |
| Net operating income to assets | 0.3286% | 4,880 |
| Return on assets (ROA) | 0.4549% | 4,545 |
| Pretax return on assets | 0.4549% | 5,009 |
| Return on Equity (ROE) | 3.7153% | 4,597 |
| Retained earnings to average equity (ytd only) | 2.1230% | 4,046 |
| Net charge-offs to loans | 0.6478% | 341 |
| Credit loss provision to net charge-offs | 90.2597% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.0519% | 3,809 |
| Efficiency ratio | 87.0439% | 583 |
| Assets per employee ($millions) | 2.7480% | 5,361 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,823 |
| Loan loss allowance to noncurrent loans | 99.2832% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 2,868 |
| Noncurrent loans to loans | 1.2023% | 1,476 |
| Net loans and leases to total assets | 41.7176% | 5,072 |
| Net loans and leases to deposits | 55.2602% | 4,838 |
| Net loans and leases to core deposits | 60.2164% | 4,749 |
| Total domestic deposits to total assets | 75.4931% | 5,029 |
| Equity capital to assets | 11.9414% | 1,868 |
| Core capital (leverage) ratio | 12.1561% | 1,526 |
| Tier 1 risk-based capital ratio | 28.9830% | 499 |
| Total risk-based capital ratio | 30.1848% | 494 |
| Memoranda: | ||
| Average total assets | $53,862,000 | 5,079 |
| Average earning assets | $48,835,600 | 5,090 |
| Average equity | $6,594,400 | 5,006 |
| Average total loans | $23,772,200 | 5,202 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7761% | 4,081 |
| Cost of funding earning assets | 0.2212% | 4,801 |
| Net interest margin | 3.5550% | 3,306 |
| Noninterest income to average assets | 1.2988% | 634 |
| Noninterest expense to average assets | 3.9187% | 580 |
| Loan and lease loss provision to assets | 0.1891% | 1,033 |
| Net operating income to assets | 0.4304% | 4,925 |
| Return on assets (ROA) | 0.5996% | 4,435 |
| Pretax return on assets | 0.5996% | 4,845 |
| Return on Equity (ROE) | 4.8670% | 4,580 |
| Retained earnings to average equity (ytd only) | 2.7465% | 4,261 |
| Net charge-offs to loans | 0.6969% | 272 |
| Credit loss provision to net charge-offs | 60.8000% | 2,800 |
| Earnings coverage of net charge-offs (x) | 1.9920% | 3,517 |
| Efficiency ratio | 86.3487% | 611 |
| Assets per employee ($millions) | 2.7504% | 5,411 |
| Cash dividends to net income (ytd only)* | 43.5689% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 3,877 |
| Loan loss allowance to noncurrent loans | 146.3855% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 3,326 |
| Noncurrent loans to loans | 0.7072% | 2,590 |
| Net loans and leases to total assets | 42.2292% | 5,104 |
| Net loans and leases to deposits | 56.0735% | 4,871 |
| Net loans and leases to core deposits | 61.1096% | 4,764 |
| Total domestic deposits to total assets | 75.3104% | 5,097 |
| Equity capital to assets | 12.0603% | 1,927 |
| Core capital (leverage) ratio | 12.0210% | 1,672 |
| Tier 1 risk-based capital ratio | 29.1401% | 511 |
| Total risk-based capital ratio | 30.2008% | 510 |
| Memoranda: | ||
| Average total assets | $53,587,500 | 5,148 |
| Average earning assets | $48,832,000 | 5,141 |
| Average equity | $6,602,250 | 5,061 |
| Average total loans | $23,914,000 | 5,247 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 4,203 |
| Cost of funding earning assets | 0.2145% | 4,851 |
| Net interest margin | 3.4940% | 3,424 |
| Noninterest income to average assets | 1.3217% | 602 |
| Noninterest expense to average assets | 4.0177% | 514 |
| Loan and lease loss provision to assets | 0.2673% | 604 |
| Net operating income to assets | 0.2259% | 5,359 |
| Return on assets (ROA) | 0.4820% | 4,787 |
| Pretax return on assets | 0.4820% | 5,036 |
| Return on Equity (ROE) | 3.8837% | 4,852 |
| Retained earnings to average equity (ytd only) | 0.6979% | 4,923 |
| Net charge-offs to loans | 0.7481% | 261 |
| Credit loss provision to net charge-offs | 78.8889% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.4556% | 3,278 |
| Efficiency ratio | 89.0651% | 499 |
| Assets per employee ($millions) | 2.7620% | 5,439 |
| Cash dividends to net income (ytd only)* | 82.0313% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,189 |
| Loan loss allowance to noncurrent loans | 74.7945% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 2,264 |
| Noncurrent loans to loans | 1.5659% | 1,195 |
| Net loans and leases to total assets | 41.7042% | 5,157 |
| Net loans and leases to deposits | 54.5539% | 4,930 |
| Net loans and leases to core deposits | 59.3523% | 4,859 |
| Total domestic deposits to total assets | 76.4460% | 5,034 |
| Equity capital to assets | 11.7852% | 2,087 |
| Core capital (leverage) ratio | 12.2076% | 1,528 |
| Tier 1 risk-based capital ratio | 27.7419% | 565 |
| Total risk-based capital ratio | 28.8957% | 555 |
| Memoranda: | ||
| Average total assets | $53,114,330 | 5,188 |
| Average earning assets | $48,482,670 | 5,185 |
| Average equity | $6,591,670 | 5,093 |
| Average total loans | $24,061,330 | 5,279 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 4,042 |
| Cost of funding earning assets | 0.2110% | 4,875 |
| Net interest margin | 3.5108% | 3,233 |
| Noninterest income to average assets | 1.1911% | 721 |
| Noninterest expense to average assets | 3.5349% | 995 |
| Loan and lease loss provision to assets | 0.0384% | 3,032 |
| Net operating income to assets | 0.8146% | 3,157 |
| Return on assets (ROA) | 0.8146% | 3,212 |
| Pretax return on assets | 0.8146% | 4,064 |
| Return on Equity (ROE) | 6.3928% | 3,716 |
| Retained earnings to average equity (ytd only) | 0.0603% | 4,895 |
| Net charge-offs to loans | 1.2768% | 134 |
| Credit loss provision to net charge-offs | 6.4103% | 2,246 |
| Earnings coverage of net charge-offs (x) | 1.4231% | 2,736 |
| Efficiency ratio | 80.5604% | 1,308 |
| Assets per employee ($millions) | 2.7924% | 5,492 |
| Cash dividends to net income (ytd only)* | 99.0566% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 4,722 |
| Loan loss allowance to noncurrent loans | 74.4898% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 3,017 |
| Noncurrent loans to loans | 1.2208% | 1,661 |
| Net loans and leases to total assets | 44.9770% | 4,987 |
| Net loans and leases to deposits | 59.6515% | 4,588 |
| Net loans and leases to core deposits | 64.6519% | 4,501 |
| Total domestic deposits to total assets | 75.3996% | 5,298 |
| Equity capital to assets | 12.5000% | 1,534 |
| Core capital (leverage) ratio | 12.6138% | 1,287 |
| Tier 1 risk-based capital ratio | 28.1752% | 554 |
| Total risk-based capital ratio | 29.1184% | 556 |
| Memoranda: | ||
| Average total assets | $52,052,000 | 5,268 |
| Average earning assets | $47,396,000 | 5,263 |
| Average equity | $6,632,500 | 5,133 |
| Average total loans | $24,437,000 | 5,322 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,219 |
| Cost of funding earning assets | 0.2223% | 4,810 |
| Net interest margin | 3.7687% | 2,435 |
| Noninterest income to average assets | 1.2577% | 717 |
| Noninterest expense to average assets | 3.9333% | 660 |
| Loan and lease loss provision to assets | 0.1339% | 1,864 |
| Net operating income to assets | 0.5789% | 4,305 |
| Return on assets (ROA) | 0.5789% | 4,411 |
| Pretax return on assets | 0.5789% | 4,844 |
| Return on Equity (ROE) | 4.5529% | 4,637 |
| Retained earnings to average equity (ytd only) | -0.3411% | 5,356 |
| Net charge-offs to loans | 0.2187% | 1,264 |
| Credit loss provision to net charge-offs | 124.5614% | 2,146 |
| Earnings coverage of net charge-offs (x) | 6.6316% | 3,139 |
| Efficiency ratio | 84.6591% | 945 |
| Assets per employee ($millions) | 2.6867% | 5,569 |
| Cash dividends to net income (ytd only)* | 107.4919% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 3,256 |
| Loan loss allowance to noncurrent loans | 80.2198% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 2,587 |
| Noncurrent loans to loans | 1.4682% | 1,377 |
| Net loans and leases to total assets | 47.9940% | 4,897 |
| Net loans and leases to deposits | 64.5297% | 4,364 |
| Net loans and leases to core deposits | 68.7681% | 4,340 |
| Total domestic deposits to total assets | 74.3751% | 5,411 |
| Equity capital to assets | 12.9937% | 1,263 |
| Core capital (leverage) ratio | 12.5900% | 1,306 |
| Tier 1 risk-based capital ratio | 29.1184% | 511 |
| Total risk-based capital ratio | 30.3695% | 503 |
| Memoranda: | ||
| Average total assets | $53,034,400 | 5,285 |
| Average earning assets | $47,681,800 | 5,296 |
| Average equity | $6,743,000 | 5,142 |
| Average total loans | $26,061,200 | 5,313 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 3,150 |
| Cost of funding earning assets | 0.2248% | 4,836 |
| Net interest margin | 3.7942% | 2,353 |
| Noninterest income to average assets | 1.1532% | 858 |
| Noninterest expense to average assets | 3.6713% | 891 |
| Loan and lease loss provision to assets | 0.1644% | 1,392 |
| Net operating income to assets | 0.7223% | 3,735 |
| Return on assets (ROA) | 0.7223% | 3,862 |
| Pretax return on assets | 0.7223% | 4,548 |
| Return on Equity (ROE) | 5.7110% | 4,211 |
| Retained earnings to average equity (ytd only) | 1.2800% | 4,999 |
| Net charge-offs to loans | 0.0859% | 2,105 |
| Credit loss provision to net charge-offs | 388.2353% | 857 |
| Earnings coverage of net charge-offs (x) | 20.9374% | 1,840 |
| Efficiency ratio | 80.5464% | 1,368 |
| Assets per employee ($millions) | 2.7582% | 5,574 |
| Cash dividends to net income (ytd only)* | 77.5850% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,728 |
| Loan loss allowance to noncurrent loans | 91.0864% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 2,860 |
| Noncurrent loans to loans | 1.4191% | 1,540 |
| Net loans and leases to total assets | 47.6472% | 4,986 |
| Net loans and leases to deposits | 63.6259% | 4,511 |
| Net loans and leases to core deposits | 67.6584% | 4,494 |
| Total domestic deposits to total assets | 74.8865% | 5,348 |
| Equity capital to assets | 12.9336% | 1,521 |
| Core capital (leverage) ratio | 12.4069% | 1,435 |
| Tier 1 risk-based capital ratio | 28.9350% | 530 |
| Total risk-based capital ratio | 30.1877% | 521 |
| Memoranda: | ||
| Average total assets | $53,531,000 | 5,324 |
| Average earning assets | $48,037,250 | 5,340 |
| Average equity | $6,770,500 | 5,189 |
| Average total loans | $26,378,500 | 5,363 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 3,126 |
| Cost of funding earning assets | 0.2241% | 4,897 |
| Net interest margin | 3.8096% | 2,278 |
| Noninterest income to average assets | 1.0982% | 929 |
| Noninterest expense to average assets | 3.6137% | 989 |
| Loan and lease loss provision to assets | 0.1670% | 1,344 |
| Net operating income to assets | 0.7235% | 3,681 |
| Return on assets (ROA) | 0.7235% | 3,836 |
| Pretax return on assets | 0.7235% | 4,550 |
| Return on Equity (ROE) | 5.7624% | 4,163 |
| Retained earnings to average equity (ytd only) | 3.6939% | 3,537 |
| Net charge-offs to loans | 0.1047% | 1,780 |
| Credit loss provision to net charge-offs | 321.4286% | 916 |
| Earnings coverage of net charge-offs (x) | 17.1429% | 1,890 |
| Efficiency ratio | 80.2306% | 1,470 |
| Assets per employee ($millions) | 2.7298% | 5,662 |
| Cash dividends to net income (ytd only)* | 35.8974% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 3,453 |
| Loan loss allowance to noncurrent loans | 123.6000% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 3,604 |
| Noncurrent loans to loans | 0.9559% | 2,370 |
| Net loans and leases to total assets | 49.8303% | 4,852 |
| Net loans and leases to deposits | 64.6982% | 4,443 |
| Net loans and leases to core deposits | 68.7184% | 4,419 |
| Total domestic deposits to total assets | 77.0196% | 5,160 |
| Equity capital to assets | 13.2245% | 1,374 |
| Core capital (leverage) ratio | 11.8243% | 1,749 |
| Tier 1 risk-based capital ratio | 25.0552% | 803 |
| Total risk-based capital ratio | 26.2127% | 800 |
| Memoranda: | ||
| Average total assets | $53,906,000 | 5,374 |
| Average earning assets | $48,194,000 | 5,392 |
| Average equity | $6,768,000 | 5,232 |
| Average total loans | $26,739,000 | 5,412 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 3,395 |
| Cost of funding earning assets | 0.2218% | 4,979 |
| Net interest margin | 3.7300% | 2,555 |
| Noninterest income to average assets | 1.1142% | 880 |
| Noninterest expense to average assets | 3.6267% | 984 |
| Loan and lease loss provision to assets | 0.2913% | 551 |
| Net operating income to assets | 0.5025% | 4,621 |
| Return on assets (ROA) | 0.5025% | 4,719 |
| Pretax return on assets | 0.5025% | 5,084 |
| Return on Equity (ROE) | 4.1056% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.1056% | 3,438 |
| Net charge-offs to loans | 0.1628% | 1,156 |
| Credit loss provision to net charge-offs | 363.6364% | 755 |
| Earnings coverage of net charge-offs (x) | 9.9091% | 1,955 |
| Efficiency ratio | 82.0428% | 1,367 |
| Assets per employee ($millions) | 2.9105% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 3,830 |
| Loan loss allowance to noncurrent loans | 115.8491% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 3,683 |
| Noncurrent loans to loans | 0.9845% | 2,417 |
| Net loans and leases to total assets | 48.1175% | 4,961 |
| Net loans and leases to deposits | 66.7294% | 4,181 |
| Net loans and leases to core deposits | 70.8817% | 4,170 |
| Total domestic deposits to total assets | 72.1085% | 5,765 |
| Equity capital to assets | 12.2333% | 1,873 |
| Core capital (leverage) ratio | 12.2083% | 1,495 |
| Tier 1 risk-based capital ratio | 28.6597% | 567 |
| Total risk-based capital ratio | 29.9127% | 552 |
| Memoranda: | ||
| Average total assets | $54,926,000 | 5,403 |
| Average earning assets | $48,686,500 | 5,432 |
| Average equity | $6,722,500 | 5,281 |
| Average total loans | $27,031,500 | 5,448 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,004 |
| Cost of funding earning assets | 0.2060% | 5,229 |
| Net interest margin | 3.6078% | 3,098 |
| Noninterest income to average assets | 1.6896% | 457 |
| Noninterest expense to average assets | 3.7228% | 952 |
| Loan and lease loss provision to assets | 0.1180% | 2,018 |
| Net operating income to assets | 1.0888% | 1,973 |
| Return on assets (ROA) | 1.0871% | 2,046 |
| Pretax return on assets | 1.0871% | 3,122 |
| Return on Equity (ROE) | 9.3310% | 2,308 |
| Retained earnings to average equity (ytd only) | 5.2477% | 2,242 |
| Net charge-offs to loans | 0.4259% | 659 |
| Credit loss provision to net charge-offs | 55.8333% | 3,319 |
| Earnings coverage of net charge-offs (x) | 5.7083% | 3,338 |
| Efficiency ratio | 75.5182% | 2,349 |
| Assets per employee ($millions) | 2.7276% | 5,755 |
| Cash dividends to net income (ytd only)* | 43.7601% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 4,473 |
| Loan loss allowance to noncurrent loans | 136.2745% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 4,101 |
| Noncurrent loans to loans | 0.7515% | 2,927 |
| Net loans and leases to total assets | 49.2539% | 4,932 |
| Net loans and leases to deposits | 68.1315% | 4,115 |
| Net loans and leases to core deposits | 72.4193% | 4,093 |
| Total domestic deposits to total assets | 72.2925% | 5,782 |
| Equity capital to assets | 12.2452% | 1,781 |
| Core capital (leverage) ratio | 12.1047% | 1,558 |
| Tier 1 risk-based capital ratio | 29.4152% | 534 |
| Total risk-based capital ratio | 30.6610% | 524 |
| Memoranda: | ||
| Average total assets | $56,757,600 | 5,389 |
| Average earning assets | $50,972,800 | 5,411 |
| Average equity | $6,612,400 | 5,321 |
| Average total loans | $28,175,200 | 5,437 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7823% | 4,152 |
| Cost of funding earning assets | 0.2042% | 5,342 |
| Net interest margin | 3.5781% | 3,247 |
| Noninterest income to average assets | 1.4517% | 584 |
| Noninterest expense to average assets | 3.5177% | 1,255 |
| Loan and lease loss provision to assets | 0.1442% | 1,526 |
| Net operating income to assets | 1.0097% | 2,427 |
| Return on assets (ROA) | 1.0074% | 2,528 |
| Pretax return on assets | 1.0074% | 3,584 |
| Return on Equity (ROE) | 8.7532% | 2,702 |
| Retained earnings to average equity (ytd only) | 4.7102% | 3,120 |
| Net charge-offs to loans | 0.5158% | 461 |
| Credit loss provision to net charge-offs | 56.3636% | 2,955 |
| Earnings coverage of net charge-offs (x) | 4.5092% | 3,336 |
| Efficiency ratio | 75.2988% | 2,352 |
| Assets per employee ($millions) | 2.6250% | 5,886 |
| Cash dividends to net income (ytd only)* | 46.1893% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 4,620 |
| Loan loss allowance to noncurrent loans | 128.0543% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 4,090 |
| Noncurrent loans to loans | 0.8002% | 2,961 |
| Net loans and leases to total assets | 52.0696% | 4,754 |
| Net loans and leases to deposits | 69.5166% | 4,040 |
| Net loans and leases to core deposits | 73.9031% | 4,025 |
| Total domestic deposits to total assets | 74.9024% | 5,628 |
| Equity capital to assets | 12.6174% | 1,678 |
| Core capital (leverage) ratio | 11.9325% | 1,712 |
| Tier 1 risk-based capital ratio | 25.9432% | 769 |
| Total risk-based capital ratio | 27.0815% | 767 |
| Memoranda: | ||
| Average total assets | $57,309,000 | 5,446 |
| Average earning assets | $51,572,500 | 5,471 |
| Average equity | $6,595,500 | 5,390 |
| Average total loans | $28,432,250 | 5,491 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 4,291 |
| Cost of funding earning assets | 0.2006% | 5,425 |
| Net interest margin | 3.5357% | 3,356 |
| Noninterest income to average assets | 1.6601% | 482 |
| Noninterest expense to average assets | 3.4322% | 1,411 |
| Loan and lease loss provision to assets | 0.0068% | 3,966 |
| Net operating income to assets | 1.3919% | 1,107 |
| Return on assets (ROA) | 1.3885% | 1,152 |
| Pretax return on assets | 1.3885% | 2,026 |
| Return on Equity (ROE) | 12.4203% | 1,252 |
| Retained earnings to average equity (ytd only) | 8.1688% | 1,201 |
| Net charge-offs to loans | 0.5574% | 435 |
| Credit loss provision to net charge-offs | 2.5000% | 3,143 |
| Earnings coverage of net charge-offs (x) | 5.1500% | 2,954 |
| Efficiency ratio | 71.0471% | 3,148 |
| Assets per employee ($millions) | 2.7114% | 5,906 |
| Cash dividends to net income (ytd only)* | 34.2298% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 5,330 |
| Loan loss allowance to noncurrent loans | 190.2256% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 4,892 |
| Noncurrent loans to loans | 0.4682% | 4,078 |
| Net loans and leases to total assets | 51.9160% | 4,760 |
| Net loans and leases to deposits | 69.7945% | 3,958 |
| Net loans and leases to core deposits | 74.0790% | 3,949 |
| Total domestic deposits to total assets | 74.3841% | 5,757 |
| Equity capital to assets | 12.2999% | 1,797 |
| Core capital (leverage) ratio | 11.5780% | 1,941 |
| Tier 1 risk-based capital ratio | 26.7431% | 727 |
| Total risk-based capital ratio | 27.7863% | 723 |
| Memoranda: | ||
| Average total assets | $58,912,330 | 5,467 |
| Average earning assets | $52,832,000 | 5,490 |
| Average equity | $6,586,000 | 5,435 |
| Average total loans | $28,703,330 | 5,529 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 4,733 |
| Cost of funding earning assets | 0.1960% | 5,547 |
| Net interest margin | 3.3897% | 3,885 |
| Noninterest income to average assets | 2.0766% | 351 |
| Noninterest expense to average assets | 3.3826% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7435% | 535 |
| Return on assets (ROA) | 1.7370% | 577 |
| Pretax return on assets | 1.7370% | 975 |
| Return on Equity (ROE) | 16.2592% | 537 |
| Retained earnings to average equity (ytd only) | 16.2592% | 207 |
| Net charge-offs to loans | 0.5823% | 426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.3571% | 2,302 |
| Efficiency ratio | 65.9873% | 4,160 |
| Assets per employee ($millions) | 2.9400% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 4,920 |
| Loan loss allowance to noncurrent loans | 124.5690% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 4,451 |
| Noncurrent loans to loans | 0.8183% | 3,202 |
| Net loans and leases to total assets | 47.7236% | 5,063 |
| Net loans and leases to deposits | 64.1864% | 4,352 |
| Net loans and leases to core deposits | 67.8031% | 4,347 |
| Total domestic deposits to total assets | 74.3516% | 5,878 |
| Equity capital to assets | 11.3454% | 2,603 |
| Core capital (leverage) ratio | 10.2879% | 3,231 |
| Tier 1 risk-based capital ratio | 27.0260% | 711 |
| Total risk-based capital ratio | 28.2308% | 702 |
| Memoranda: | ||
| Average total assets | $61,254,500 | 5,472 |
| Average earning assets | $55,108,500 | 5,489 |
| Average equity | $6,544,000 | 5,492 |
| Average total loans | $28,852,000 | 5,562 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5913% | 5,105 |
| Cost of funding earning assets | 0.1888% | 5,843 |
| Net interest margin | 3.4026% | 4,190 |
| Noninterest income to average assets | 1.2113% | 812 |
| Noninterest expense to average assets | 3.1925% | 2,234 |
| Loan and lease loss provision to assets | 0.2861% | 732 |
| Net operating income to assets | 0.8050% | 3,345 |
| Return on assets (ROA) | 0.8050% | 3,441 |
| Pretax return on assets | 0.8050% | 4,241 |
| Return on Equity (ROE) | 8.2450% | 2,995 |
| Retained earnings to average equity (ytd only) | 2.6652% | 4,346 |
| Net charge-offs to loans | 0.5728% | 706 |
| Credit loss provision to net charge-offs | 106.8182% | 2,241 |
| Earnings coverage of net charge-offs (x) | 4.0739% | 3,743 |
| Efficiency ratio | 74.5293% | 2,746 |
| Assets per employee ($millions) | 3.1855% | 5,452 |
| Cash dividends to net income (ytd only)* | 67.6749% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 4,396 |
| Loan loss allowance to noncurrent loans | 115.3310% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 4,313 |
| Noncurrent loans to loans | 0.9777% | 2,885 |
| Net loans and leases to total assets | 45.5549% | 5,365 |
| Net loans and leases to deposits | 60.0393% | 4,897 |
| Net loans and leases to core deposits | 63.5077% | 4,870 |
| Total domestic deposits to total assets | 75.8751% | 5,747 |
| Equity capital to assets | 10.0722% | 4,018 |
| Core capital (leverage) ratio | 9.3010% | 4,537 |
| Tier 1 risk-based capital ratio | 27.2596% | 663 |
| Total risk-based capital ratio | 28.5132% | 642 |
| Memoranda: | ||
| Average total assets | $65,716,400 | 5,406 |
| Average earning assets | $59,337,600 | 5,407 |
| Average equity | $6,416,000 | 5,548 |
| Average total loans | $30,726,400 | 5,539 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5913% | 5,160 |
| Cost of funding earning assets | 0.1875% | 5,943 |
| Net interest margin | 3.4038% | 4,225 |
| Noninterest income to average assets | 1.1417% | 922 |
| Noninterest expense to average assets | 2.9296% | 3,025 |
| Loan and lease loss provision to assets | 0.1510% | 1,650 |
| Net operating income to assets | 1.1316% | 1,926 |
| Return on assets (ROA) | 1.1316% | 1,991 |
| Pretax return on assets | 1.1316% | 3,063 |
| Return on Equity (ROE) | 11.6792% | 1,566 |
| Retained earnings to average equity (ytd only) | 4.8214% | 3,202 |
| Net charge-offs to loans | 0.8926% | 367 |
| Credit loss provision to net charge-offs | 36.0577% | 3,348 |
| Earnings coverage of net charge-offs (x) | 3.0625% | 3,753 |
| Efficiency ratio | 69.5507% | 3,585 |
| Assets per employee ($millions) | 3.4969% | 4,866 |
| Cash dividends to net income (ytd only)* | 58.7194% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6202% | 6,197 |
| Loan loss allowance to noncurrent loans | 60.5863% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 4,504 |
| Noncurrent loans to loans | 1.0236% | 3,025 |
| Net loans and leases to total assets | 44.8602% | 5,463 |
| Net loans and leases to deposits | 59.1283% | 5,009 |
| Net loans and leases to core deposits | 62.3948% | 5,008 |
| Total domestic deposits to total assets | 75.8692% | 5,838 |
| Equity capital to assets | 9.7664% | 4,460 |
| Core capital (leverage) ratio | 9.4221% | 4,483 |
| Tier 1 risk-based capital ratio | 26.6341% | 734 |
| Total risk-based capital ratio | 27.4231% | 753 |
| Memoranda: | ||
| Average total assets | $66,218,000 | 5,450 |
| Average earning assets | $59,735,000 | 5,463 |
| Average equity | $6,415,750 | 5,603 |
| Average total loans | $31,069,500 | 5,581 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 5,041 |
| Cost of funding earning assets | 0.1884% | 6,016 |
| Net interest margin | 3.4512% | 3,976 |
| Noninterest income to average assets | 1.1551% | 878 |
| Noninterest expense to average assets | 3.0268% | 2,735 |
| Loan and lease loss provision to assets | 0.2117% | 1,113 |
| Net operating income to assets | 1.0190% | 2,249 |
| Return on assets (ROA) | 1.0190% | 2,317 |
| Pretax return on assets | 1.0190% | 3,402 |
| Return on Equity (ROE) | 10.5455% | 1,920 |
| Retained earnings to average equity (ytd only) | 3.8490% | 3,728 |
| Net charge-offs to loans | 0.1527% | 2,171 |
| Credit loss provision to net charge-offs | 291.6667% | 877 |
| Earnings coverage of net charge-offs (x) | 16.9583% | 1,760 |
| Efficiency ratio | 71.0938% | 3,487 |
| Assets per employee ($millions) | 3.2255% | 5,382 |
| Cash dividends to net income (ytd only)* | 63.5015% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 4,480 |
| Loan loss allowance to noncurrent loans | 104.8851% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 4,374 |
| Noncurrent loans to loans | 1.1320% | 2,960 |
| Net loans and leases to total assets | 47.0880% | 5,257 |
| Net loans and leases to deposits | 60.2950% | 4,842 |
| Net loans and leases to core deposits | 63.6267% | 4,849 |
| Total domestic deposits to total assets | 78.0961% | 5,618 |
| Equity capital to assets | 9.8963% | 4,253 |
| Core capital (leverage) ratio | 9.2526% | 4,661 |
| Tier 1 risk-based capital ratio | 26.0502% | 770 |
| Total risk-based capital ratio | 27.3042% | 753 |
| Memoranda: | ||
| Average total assets | $66,143,330 | 5,500 |
| Average earning assets | $59,457,000 | 5,520 |
| Average equity | $6,391,330 | 5,636 |
| Average total loans | $31,428,670 | 5,610 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 5,162 |
| Cost of funding earning assets | 0.1861% | 6,106 |
| Net interest margin | 3.4155% | 4,053 |
| Noninterest income to average assets | 1.1350% | 865 |
| Noninterest expense to average assets | 2.7897% | 3,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4158% | 959 |
| Return on assets (ROA) | 1.4158% | 1,003 |
| Pretax return on assets | 1.4158% | 1,693 |
| Return on Equity (ROE) | 14.8241% | 809 |
| Retained earnings to average equity (ytd only) | 14.8241% | 338 |
| Net charge-offs to loans | 0.0881% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 33.8571% | 971 |
| Efficiency ratio | 66.3352% | 4,479 |
| Assets per employee ($millions) | 3.6114% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 5,568 |
| Loan loss allowance to noncurrent loans | 72.7273% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 4,248 |
| Noncurrent loans to loans | 1.3610% | 2,762 |
| Net loans and leases to total assets | 45.4829% | 5,388 |
| Net loans and leases to deposits | 58.1834% | 4,918 |
| Net loans and leases to core deposits | 61.1977% | 4,945 |
| Total domestic deposits to total assets | 78.1716% | 5,806 |
| Equity capital to assets | 9.4802% | 4,525 |
| Core capital (leverage) ratio | 9.2912% | 4,587 |
| Tier 1 risk-based capital ratio | 25.2857% | 861 |
| Total risk-based capital ratio | 26.5371% | 840 |
| Memoranda: | ||
| Average total assets | $66,960,500 | 5,533 |
| Average earning assets | $60,195,500 | 5,560 |
| Average equity | $6,395,000 | 5,664 |
| Average total loans | $31,772,500 | 5,637 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 4,514 |
| Cost of funding earning assets | 0.1994% | 6,301 |
| Net interest margin | 3.6864% | 3,110 |
| Noninterest income to average assets | 1.2979% | 824 |
| Noninterest expense to average assets | 3.1496% | 2,593 |
| Loan and lease loss provision to assets | 0.1657% | 2,211 |
| Net operating income to assets | 1.3009% | 1,250 |
| Return on assets (ROA) | 1.3009% | 1,295 |
| Pretax return on assets | 1.3009% | 2,149 |
| Return on Equity (ROE) | 13.5334% | 1,055 |
| Retained earnings to average equity (ytd only) | 5.0112% | 2,587 |
| Net charge-offs to loans | 0.1559% | 3,244 |
| Credit loss provision to net charge-offs | 225.0000% | 1,015 |
| Earnings coverage of net charge-offs (x) | 19.9167% | 1,577 |
| Efficiency ratio | 68.2286% | 4,159 |
| Assets per employee ($millions) | 3.4371% | 5,010 |
| Cash dividends to net income (ytd only)* | 62.9717% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 5,590 |
| Loan loss allowance to noncurrent loans | 221.5278% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 5,625 |
| Noncurrent loans to loans | 0.4497% | 4,873 |
| Net loans and leases to total assets | 48.5499% | 5,236 |
| Net loans and leases to deposits | 62.9905% | 4,611 |
| Net loans and leases to core deposits | 66.9687% | 4,618 |
| Total domestic deposits to total assets | 77.0749% | 5,954 |
| Equity capital to assets | 9.6242% | 4,251 |
| Core capital (leverage) ratio | 9.2764% | 4,594 |
| Tier 1 risk-based capital ratio | 24.9362% | 857 |
| Total risk-based capital ratio | 26.1873% | 843 |
| Memoranda: | ||
| Average total assets | $65,183,600 | 5,616 |
| Average earning assets | $58,675,600 | 5,635 |
| Average equity | $6,266,000 | 5,751 |
| Average total loans | $30,796,200 | 5,722 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 4,656 |
| Cost of funding earning assets | 0.1993% | 6,401 |
| Net interest margin | 3.6560% | 3,211 |
| Noninterest income to average assets | 1.2360% | 963 |
| Noninterest expense to average assets | 2.9243% | 3,227 |
| Loan and lease loss provision to assets | 0.0205% | 4,589 |
| Net operating income to assets | 1.5941% | 755 |
| Return on assets (ROA) | 1.5941% | 804 |
| Pretax return on assets | 1.5941% | 1,345 |
| Return on Equity (ROE) | 16.5884% | 579 |
| Retained earnings to average equity (ytd only) | 6.7290% | 2,014 |
| Net charge-offs to loans | 0.2012% | 2,626 |
| Credit loss provision to net charge-offs | 21.7391% | 4,041 |
| Earnings coverage of net charge-offs (x) | 17.1526% | 1,751 |
| Efficiency ratio | 64.4274% | 4,733 |
| Assets per employee ($millions) | 3.2317% | 5,424 |
| Cash dividends to net income (ytd only)* | 59.4354% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 6,410 |
| Loan loss allowance to noncurrent loans | 412.9630% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 6,186 |
| Noncurrent loans to loans | 0.1755% | 5,802 |
| Net loans and leases to total assets | 47.2553% | 5,424 |
| Net loans and leases to deposits | 59.3517% | 5,051 |
| Net loans and leases to core deposits | 63.0116% | 5,008 |
| Total domestic deposits to total assets | 79.6191% | 5,602 |
| Equity capital to assets | 9.7286% | 4,268 |
| Core capital (leverage) ratio | 9.2355% | 4,781 |
| Tier 1 risk-based capital ratio | 25.4503% | 839 |
| Total risk-based capital ratio | 26.3867% | 852 |
| Memoranda: | ||
| Average total assets | $65,153,500 | 5,677 |
| Average earning assets | $58,861,500 | 5,687 |
| Average equity | $6,261,250 | 5,823 |
| Average total loans | $30,489,250 | 5,791 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 4,529 |
| Cost of funding earning assets | 0.1971% | 6,491 |
| Net interest margin | 3.6905% | 2,990 |
| Noninterest income to average assets | 1.2767% | 943 |
| Noninterest expense to average assets | 2.7676% | 3,790 |
| Loan and lease loss provision to assets | 0.0153% | 4,586 |
| Net operating income to assets | 1.8186% | 497 |
| Return on assets (ROA) | 1.8186% | 533 |
| Pretax return on assets | 1.8186% | 897 |
| Return on Equity (ROE) | 19.0009% | 383 |
| Retained earnings to average equity (ytd only) | 9.6924% | 915 |
| Net charge-offs to loans | 0.2500% | 2,230 |
| Credit loss provision to net charge-offs | 13.1579% | 3,853 |
| Earnings coverage of net charge-offs (x) | 15.7632% | 1,717 |
| Efficiency ratio | 60.1464% | 5,467 |
| Assets per employee ($millions) | 3.4042% | 5,047 |
| Cash dividends to net income (ytd only)* | 48.9899% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7304% | 6,456 |
| Loan loss allowance to noncurrent loans | 309.5890% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 6,148 |
| Noncurrent loans to loans | 0.2359% | 5,714 |
| Net loans and leases to total assets | 47.4915% | 5,374 |
| Net loans and leases to deposits | 57.7496% | 5,183 |
| Net loans and leases to core deposits | 61.1856% | 5,160 |
| Total domestic deposits to total assets | 82.2369% | 4,966 |
| Equity capital to assets | 9.7667% | 4,218 |
| Core capital (leverage) ratio | 9.2069% | 4,690 |
| Tier 1 risk-based capital ratio | 25.4803% | 822 |
| Total risk-based capital ratio | 26.4324% | 840 |
| Memoranda: | ||
| Average total assets | $65,326,670 | 5,714 |
| Average earning assets | $58,854,330 | 5,732 |
| Average equity | $6,252,330 | 5,865 |
| Average total loans | $30,397,000 | 5,830 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9000% | 4,474 |
| Cost of funding earning assets | 0.1960% | 6,591 |
| Net interest margin | 3.7040% | 2,833 |
| Noninterest income to average assets | 1.1333% | 1,168 |
| Noninterest expense to average assets | 2.7966% | 3,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6755% | 617 |
| Return on assets (ROA) | 1.6755% | 680 |
| Pretax return on assets | 1.6755% | 1,137 |
| Return on Equity (ROE) | 17.6849% | 456 |
| Retained earnings to average equity (ytd only) | 17.6849% | 206 |
| Net charge-offs to loans | 0.4515% | 1,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.0882% | 1,982 |
| Efficiency ratio | 62.5341% | 5,230 |
| Assets per employee ($millions) | 3.4785% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 6,530 |
| Loan loss allowance to noncurrent loans | 937.5000% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 6,500 |
| Noncurrent loans to loans | 0.0798% | 6,245 |
| Net loans and leases to total assets | 45.1635% | 5,532 |
| Net loans and leases to deposits | 55.3672% | 5,314 |
| Net loans and leases to core deposits | 58.6136% | 5,279 |
| Total domestic deposits to total assets | 81.5709% | 5,332 |
| Equity capital to assets | 9.5943% | 4,715 |
| Core capital (leverage) ratio | 9.1762% | 4,603 |
| Tier 1 risk-based capital ratio | 25.8395% | 801 |
| Total risk-based capital ratio | 26.8045% | 819 |
| Memoranda: | ||
| Average total assets | $65,650,500 | 5,751 |
| Average earning assets | $59,179,500 | 5,773 |
| Average equity | $6,220,000 | 5,929 |
| Average total loans | $30,124,000 | 5,886 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 5,050 |
| Cost of funding earning assets | 0.2351% | 6,732 |
| Net interest margin | 3.8366% | 3,078 |
| Noninterest income to average assets | 1.2408% | 1,016 |
| Noninterest expense to average assets | 3.2753% | 2,408 |
| Loan and lease loss provision to assets | 0.1369% | 3,912 |
| Net operating income to assets | 1.3031% | 1,287 |
| Return on assets (ROA) | 1.3138% | 1,404 |
| Pretax return on assets | 1.3138% | 2,342 |
| Return on Equity (ROE) | 14.3593% | 921 |
| Retained earnings to average equity (ytd only) | 7.4622% | 1,354 |
| Net charge-offs to loans | 0.2285% | 3,566 |
| Credit loss provision to net charge-offs | 142.8571% | 1,912 |
| Earnings coverage of net charge-offs (x) | 15.0317% | 1,683 |
| Efficiency ratio | 69.4615% | 3,902 |
| Assets per employee ($millions) | 3.4321% | 5,144 |
| Cash dividends to net income (ytd only)* | 48.0324% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 6,377 |
| Loan loss allowance to noncurrent loans | 345.3333% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 6,290 |
| Noncurrent loans to loans | 0.2486% | 5,857 |
| Net loans and leases to total assets | 45.8749% | 5,631 |
| Net loans and leases to deposits | 56.9810% | 5,337 |
| Net loans and leases to core deposits | 60.4148% | 5,327 |
| Total domestic deposits to total assets | 80.5091% | 5,542 |
| Equity capital to assets | 9.3529% | 5,072 |
| Core capital (leverage) ratio | 8.6443% | 5,405 |
| Tier 1 risk-based capital ratio | 24.4037% | 922 |
| Total risk-based capital ratio | 25.5029% | 923 |
| Memoranda: | ||
| Average total assets | $65,764,000 | 5,753 |
| Average earning assets | $59,558,600 | 5,763 |
| Average equity | $6,017,000 | 6,021 |
| Average total loans | $27,576,200 | 6,054 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 5,499 |
| Cost of funding earning assets | 0.2424% | 6,842 |
| Net interest margin | 3.7649% | 3,492 |
| Noninterest income to average assets | 1.1593% | 1,137 |
| Noninterest expense to average assets | 2.9983% | 3,241 |
| Loan and lease loss provision to assets | 0.0506% | 5,127 |
| Net operating income to assets | 1.5356% | 966 |
| Return on assets (ROA) | 1.5497% | 1,046 |
| Pretax return on assets | 1.5497% | 1,722 |
| Return on Equity (ROE) | 17.0318% | 608 |
| Retained earnings to average equity (ytd only) | 10.2501% | 850 |
| Net charge-offs to loans | 0.2179% | 3,419 |
| Credit loss provision to net charge-offs | 56.8182% | 4,242 |
| Earnings coverage of net charge-offs (x) | 17.8168% | 1,603 |
| Efficiency ratio | 65.4016% | 4,559 |
| Assets per employee ($millions) | 3.5264% | 4,915 |
| Cash dividends to net income (ytd only)* | 39.8175% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 6,714 |
| Loan loss allowance to noncurrent loans | 280.2632% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 6,436 |
| Noncurrent loans to loans | 0.2583% | 5,972 |
| Net loans and leases to total assets | 43.5919% | 5,999 |
| Net loans and leases to deposits | 54.3700% | 5,773 |
| Net loans and leases to core deposits | 57.7430% | 5,751 |
| Total domestic deposits to total assets | 80.1764% | 5,608 |
| Equity capital to assets | 9.2014% | 5,593 |
| Core capital (leverage) ratio | 8.5813% | 5,648 |
| Tier 1 risk-based capital ratio | 24.3616% | 974 |
| Total risk-based capital ratio | 25.2621% | 1,001 |
| Memoranda: | ||
| Average total assets | $65,902,500 | 5,813 |
| Average earning assets | $59,956,250 | 5,808 |
| Average equity | $5,996,500 | 6,092 |
| Average total loans | $26,926,750 | 6,170 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 5,556 |
| Cost of funding earning assets | 0.2516% | 6,906 |
| Net interest margin | 3.7777% | 3,467 |
| Noninterest income to average assets | 1.2421% | 925 |
| Noninterest expense to average assets | 2.9999% | 3,255 |
| Loan and lease loss provision to assets | 0.0458% | 5,100 |
| Net operating income to assets | 1.6327% | 782 |
| Return on assets (ROA) | 1.6327% | 867 |
| Pretax return on assets | 1.6327% | 1,444 |
| Return on Equity (ROE) | 18.0125% | 508 |
| Retained earnings to average equity (ytd only) | 10.7065% | 805 |
| Net charge-offs to loans | 0.2453% | 3,101 |
| Credit loss provision to net charge-offs | 46.8750% | 4,105 |
| Earnings coverage of net charge-offs (x) | 17.1875% | 1,546 |
| Efficiency ratio | 64.1226% | 4,882 |
| Assets per employee ($millions) | 3.6164% | 4,722 |
| Cash dividends to net income (ytd only)* | 40.5607% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 6,728 |
| Loan loss allowance to noncurrent loans | 302.8169% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 6,522 |
| Noncurrent loans to loans | 0.2549% | 6,064 |
| Net loans and leases to total assets | 42.4588% | 6,157 |
| Net loans and leases to deposits | 51.6472% | 6,048 |
| Net loans and leases to core deposits | 55.2471% | 6,004 |
| Total domestic deposits to total assets | 82.2094% | 5,054 |
| Equity capital to assets | 9.2632% | 5,372 |
| Core capital (leverage) ratio | 8.4110% | 5,775 |
| Tier 1 risk-based capital ratio | 24.2901% | 981 |
| Total risk-based capital ratio | 25.2193% | 999 |
| Memoranda: | ||
| Average total assets | $65,536,330 | 5,860 |
| Average earning assets | $59,612,670 | 5,854 |
| Average equity | $5,940,330 | 6,134 |
| Average total loans | $26,095,670 | 6,255 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9490% | 5,903 |
| Cost of funding earning assets | 0.2619% | 6,973 |
| Net interest margin | 3.6870% | 3,890 |
| Noninterest income to average assets | 1.3200% | 819 |
| Noninterest expense to average assets | 2.8894% | 3,666 |
| Loan and lease loss provision to assets | 0.0912% | 4,213 |
| Net operating income to assets | 1.6789% | 752 |
| Return on assets (ROA) | 1.6789% | 834 |
| Pretax return on assets | 1.6789% | 1,363 |
| Return on Equity (ROE) | 18.7261% | 477 |
| Retained earnings to average equity (ytd only) | 18.7261% | 223 |
| Net charge-offs to loans | 0.4759% | 1,900 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 9.7000% | 1,818 |
| Efficiency ratio | 62.0104% | 5,271 |
| Assets per employee ($millions) | 3.8316% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 6,656 |
| Loan loss allowance to noncurrent loans | 700.0000% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 6,796 |
| Noncurrent loans to loans | 0.1206% | 6,448 |
| Net loans and leases to total assets | 36.9702% | 6,557 |
| Net loans and leases to deposits | 44.0776% | 6,554 |
| Net loans and leases to core deposits | 46.9093% | 6,514 |
| Total domestic deposits to total assets | 83.8754% | 4,559 |
| Equity capital to assets | 8.7257% | 5,843 |
| Core capital (leverage) ratio | 8.5722% | 5,477 |
| Tier 1 risk-based capital ratio | 23.9459% | 1,014 |
| Total risk-based capital ratio | 24.8776% | 1,035 |
| Memoranda: | ||
| Average total assets | $65,756,500 | 5,897 |
| Average earning assets | $59,560,000 | 5,893 |
| Average equity | $5,895,500 | 6,173 |
| Average total loans | $25,216,500 | 6,354 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 6,384 |
| Cost of funding earning assets | 0.4045% | 6,874 |
| Net interest margin | 3.6336% | 4,599 |
| Noninterest income to average assets | 1.4094% | 653 |
| Noninterest expense to average assets | 3.1376% | 3,077 |
| Loan and lease loss provision to assets | 0.1281% | 5,013 |
| Net operating income to assets | 1.4341% | 959 |
| Return on assets (ROA) | 1.4341% | 1,043 |
| Pretax return on assets | 1.4341% | 1,673 |
| Return on Equity (ROE) | 15.6530% | 658 |
| Retained earnings to average equity (ytd only) | 9.0547% | 785 |
| Net charge-offs to loans | 0.1356% | 5,058 |
| Credit loss provision to net charge-offs | 260.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 31.7000% | 810 |
| Efficiency ratio | 66.7599% | 4,612 |
| Assets per employee ($millions) | 3.4747% | 5,083 |
| Cash dividends to net income (ytd only)* | 42.1535% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 6,434 |
| Loan loss allowance to noncurrent loans | 527.2727% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 6,779 |
| Noncurrent loans to loans | 0.1780% | 6,392 |
| Net loans and leases to total assets | 39.1500% | 6,588 |
| Net loans and leases to deposits | 47.2949% | 6,545 |
| Net loans and leases to core deposits | 49.5247% | 6,555 |
| Total domestic deposits to total assets | 82.7785% | 4,849 |
| Equity capital to assets | 9.2303% | 5,243 |
| Core capital (leverage) ratio | 8.3930% | 5,723 |
| Tier 1 risk-based capital ratio | 24.1075% | 957 |
| Total risk-based capital ratio | 25.1626% | 959 |
| Memoranda: | ||
| Average total assets | $60,875,400 | 6,009 |
| Average earning assets | $55,124,200 | 6,014 |
| Average equity | $5,577,200 | 6,267 |
| Average total loans | $22,131,000 | 6,549 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9878% | 6,609 |
| Cost of funding earning assets | 0.4277% | 6,948 |
| Net interest margin | 3.5601% | 4,943 |
| Noninterest income to average assets | 1.2791% | 791 |
| Noninterest expense to average assets | 2.8669% | 4,073 |
| Loan and lease loss provision to assets | 0.0662% | 5,632 |
| Net operating income to assets | 1.5768% | 809 |
| Return on assets (ROA) | 1.5768% | 882 |
| Pretax return on assets | 1.5768% | 1,447 |
| Return on Equity (ROE) | 17.2443% | 542 |
| Retained earnings to average equity (ytd only) | 12.4931% | 435 |
| Net charge-offs to loans | 0.1365% | 4,691 |
| Credit loss provision to net charge-offs | 136.3636% | 2,336 |
| Earnings coverage of net charge-offs (x) | 33.8667% | 861 |
| Efficiency ratio | 63.5697% | 5,141 |
| Assets per employee ($millions) | 3.7276% | 4,466 |
| Cash dividends to net income (ytd only)* | 27.5524% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 6,771 |
| Loan loss allowance to noncurrent loans | 685.7143% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 6,938 |
| Noncurrent loans to loans | 0.1200% | 6,635 |
| Net loans and leases to total assets | 36.5204% | 6,844 |
| Net loans and leases to deposits | 44.2522% | 6,819 |
| Net loans and leases to core deposits | 46.3156% | 6,833 |
| Total domestic deposits to total assets | 82.5280% | 4,865 |
| Equity capital to assets | 9.2173% | 5,483 |
| Core capital (leverage) ratio | 8.4112% | 5,834 |
| Tier 1 risk-based capital ratio | 25.1348% | 902 |
| Total risk-based capital ratio | 26.0429% | 917 |
| Memoranda: | ||
| Average total assets | $60,458,250 | 6,069 |
| Average earning assets | $54,865,750 | 6,070 |
| Average equity | $5,528,250 | 6,326 |
| Average total loans | $21,484,250 | 6,649 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 6,807 |
| Cost of funding earning assets | 0.4498% | 7,009 |
| Net interest margin | 3.4438% | 5,390 |
| Noninterest income to average assets | 1.2608% | 794 |
| Noninterest expense to average assets | 2.8611% | 4,185 |
| Loan and lease loss provision to assets | 0.0841% | 5,265 |
| Net operating income to assets | 1.4558% | 965 |
| Return on assets (ROA) | 1.4558% | 1,026 |
| Pretax return on assets | 1.4558% | 1,653 |
| Return on Equity (ROE) | 15.9661% | 679 |
| Retained earnings to average equity (ytd only) | 11.6150% | 574 |
| Net charge-offs to loans | 0.1246% | 4,481 |
| Credit loss provision to net charge-offs | 192.3077% | 1,567 |
| Earnings coverage of net charge-offs (x) | 35.2308% | 819 |
| Efficiency ratio | 65.0115% | 5,058 |
| Assets per employee ($millions) | 3.5534% | 4,802 |
| Cash dividends to net income (ytd only)* | 27.2517% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,735 |
| Loan loss allowance to noncurrent loans | 852.1739% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 7,009 |
| Noncurrent loans to loans | 0.1017% | 6,718 |
| Net loans and leases to total assets | 35.0510% | 7,016 |
| Net loans and leases to deposits | 41.5013% | 7,011 |
| Net loans and leases to core deposits | 44.1084% | 7,002 |
| Total domestic deposits to total assets | 84.4577% | 4,144 |
| Equity capital to assets | 8.8288% | 5,783 |
| Core capital (leverage) ratio | 8.1246% | 6,129 |
| Tier 1 risk-based capital ratio | 24.1895% | 984 |
| Total risk-based capital ratio | 25.1171% | 1,003 |
| Memoranda: | ||
| Average total assets | $59,487,670 | 6,154 |
| Average earning assets | $54,241,670 | 6,141 |
| Average equity | $5,424,000 | 6,395 |
| Average total loans | $20,867,330 | 6,751 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 6,869 |
| Cost of funding earning assets | 0.5004% | 6,968 |
| Net interest margin | 3.3645% | 5,562 |
| Noninterest income to average assets | 1.1878% | 913 |
| Noninterest expense to average assets | 2.9205% | 3,982 |
| Loan and lease loss provision to assets | 0.0349% | 5,541 |
| Net operating income to assets | 1.2856% | 1,305 |
| Return on assets (ROA) | 1.2856% | 1,352 |
| Pretax return on assets | 1.2856% | 2,080 |
| Return on Equity (ROE) | 13.8541% | 1,018 |
| Retained earnings to average equity (ytd only) | 13.8541% | 486 |
| Net charge-offs to loans | 0.1000% | 3,948 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 37.8000% | 711 |
| Efficiency ratio | 68.8633% | 4,499 |
| Assets per employee ($millions) | 3.5876% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 6,690 |
| Loan loss allowance to noncurrent loans | 836.3636% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 7,081 |
| Noncurrent loans to loans | 0.1081% | 6,782 |
| Net loans and leases to total assets | 31.2345% | 7,197 |
| Net loans and leases to deposits | 36.7717% | 7,200 |
| Net loans and leases to core deposits | 38.7378% | 7,201 |
| Total domestic deposits to total assets | 84.9418% | 4,056 |
| Equity capital to assets | 8.3746% | 6,079 |
| Core capital (leverage) ratio | 7.9963% | 6,264 |
| Tier 1 risk-based capital ratio | 22.2044% | 1,194 |
| Total risk-based capital ratio | 23.0248% | 1,234 |
| Memoranda: | ||
| Average total assets | $57,251,000 | 6,278 |
| Average earning assets | $51,954,500 | 6,273 |
| Average equity | $5,312,500 | 6,451 |
| Average total loans | $19,993,500 | 6,843 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5415% | 6,281 |
| Cost of funding earning assets | 0.7219% | 6,818 |
| Net interest margin | 3.8196% | 3,870 |
| Noninterest income to average assets | 1.2545% | 944 |
| Noninterest expense to average assets | 3.3749% | 2,512 |
| Loan and lease loss provision to assets | 0.0577% | 6,559 |
| Net operating income to assets | 1.2526% | 1,287 |
| Return on assets (ROA) | 1.2526% | 1,359 |
| Pretax return on assets | 1.2526% | 2,073 |
| Return on Equity (ROE) | 12.5400% | 1,209 |
| Retained earnings to average equity (ytd only) | 4.5075% | 2,718 |
| Net charge-offs to loans | 0.1491% | 5,460 |
| Credit loss provision to net charge-offs | 107.1429% | 4,144 |
| Earnings coverage of net charge-offs (x) | 24.3214% | 868 |
| Efficiency ratio | 72.0329% | 3,787 |
| Assets per employee ($millions) | 2.7737% | 6,562 |
| Cash dividends to net income (ytd only)* | 64.0553% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 6,617 |
| Loan loss allowance to noncurrent loans | 707.6923% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 7,103 |
| Noncurrent loans to loans | 0.1324% | 6,807 |
| Net loans and leases to total assets | 38.9557% | 7,024 |
| Net loans and leases to deposits | 48.6590% | 6,916 |
| Net loans and leases to core deposits | 51.9443% | 6,913 |
| Total domestic deposits to total assets | 80.0585% | 5,817 |
| Equity capital to assets | 10.4495% | 3,215 |
| Core capital (leverage) ratio | 9.1109% | 4,339 |
| Tier 1 risk-based capital ratio | 24.9429% | 853 |
| Total risk-based capital ratio | 25.8988% | 861 |
| Memoranda: | ||
| Average total assets | $51,972,000 | 6,463 |
| Average earning assets | $46,680,400 | 6,491 |
| Average equity | $5,191,400 | 6,603 |
| Average total loans | $18,777,200 | 6,989 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 6,558 |
| Cost of funding earning assets | 0.7286% | 6,978 |
| Net interest margin | 3.7925% | 3,995 |
| Noninterest income to average assets | 1.0390% | 1,342 |
| Noninterest expense to average assets | 3.1501% | 3,108 |
| Loan and lease loss provision to assets | 0.0508% | 6,571 |
| Net operating income to assets | 1.2499% | 1,467 |
| Return on assets (ROA) | 1.2499% | 1,545 |
| Pretax return on assets | 1.2499% | 2,332 |
| Return on Equity (ROE) | 12.6515% | 1,346 |
| Retained earnings to average equity (ytd only) | 7.3030% | 1,698 |
| Net charge-offs to loans | 0.1580% | 5,051 |
| Credit loss provision to net charge-offs | 90.9091% | 4,729 |
| Earnings coverage of net charge-offs (x) | 23.2748% | 1,065 |
| Efficiency ratio | 70.7763% | 3,925 |
| Assets per employee ($millions) | 3.0085% | 6,127 |
| Cash dividends to net income (ytd only)* | 42.2772% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 6,504 |
| Loan loss allowance to noncurrent loans | 782.6087% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 7,231 |
| Noncurrent loans to loans | 0.1243% | 6,932 |
| Net loans and leases to total assets | 35.8204% | 7,273 |
| Net loans and leases to deposits | 46.2159% | 7,166 |
| Net loans and leases to core deposits | 49.3495% | 7,144 |
| Total domestic deposits to total assets | 77.5066% | 6,364 |
| Equity capital to assets | 10.3668% | 3,679 |
| Core capital (leverage) ratio | 9.4388% | 4,003 |
| Tier 1 risk-based capital ratio | 26.1354% | 762 |
| Total risk-based capital ratio | 27.1052% | 771 |
| Memoranda: | ||
| Average total assets | $52,483,500 | 6,520 |
| Average earning assets | $47,214,250 | 6,548 |
| Average equity | $5,185,000 | 6,681 |
| Average total loans | $18,563,250 | 7,094 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6356% | 6,353 |
| Cost of funding earning assets | 0.7719% | 6,999 |
| Net interest margin | 3.8637% | 3,618 |
| Noninterest income to average assets | 1.0467% | 1,231 |
| Noninterest expense to average assets | 3.0644% | 3,454 |
| Loan and lease loss provision to assets | 0.0756% | 6,189 |
| Net operating income to assets | 1.3678% | 1,154 |
| Return on assets (ROA) | 1.3678% | 1,223 |
| Pretax return on assets | 1.3678% | 1,905 |
| Return on Equity (ROE) | 14.0692% | 1,029 |
| Retained earnings to average equity (ytd only) | 8.9390% | 1,122 |
| Net charge-offs to loans | 0.1399% | 4,827 |
| Credit loss provision to net charge-offs | 153.8462% | 2,553 |
| Earnings coverage of net charge-offs (x) | 29.3846% | 934 |
| Efficiency ratio | 67.9799% | 4,586 |
| Assets per employee ($millions) | 2.9968% | 6,142 |
| Cash dividends to net income (ytd only)* | 36.4641% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 6,318 |
| Loan loss allowance to noncurrent loans | 821.7391% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 7,278 |
| Noncurrent loans to loans | 0.1240% | 7,018 |
| Net loans and leases to total assets | 36.0244% | 7,347 |
| Net loans and leases to deposits | 46.5800% | 7,223 |
| Net loans and leases to core deposits | 49.3480% | 7,240 |
| Total domestic deposits to total assets | 77.3388% | 6,424 |
| Equity capital to assets | 10.2933% | 3,658 |
| Core capital (leverage) ratio | 9.0078% | 4,589 |
| Tier 1 risk-based capital ratio | 26.3641% | 747 |
| Total risk-based capital ratio | 27.4026% | 751 |
| Memoranda: | ||
| Average total assets | $52,930,000 | 6,554 |
| Average earning assets | $47,415,330 | 6,576 |
| Average equity | $5,146,000 | 6,732 |
| Average total loans | $18,584,330 | 7,147 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 6,374 |
| Cost of funding earning assets | 0.7712% | 7,174 |
| Net interest margin | 3.8891% | 3,376 |
| Noninterest income to average assets | 1.0089% | 1,273 |
| Noninterest expense to average assets | 2.9524% | 3,848 |
| Loan and lease loss provision to assets | 0.0742% | 5,896 |
| Net operating income to assets | 1.4614% | 957 |
| Return on assets (ROA) | 1.4614% | 1,033 |
| Pretax return on assets | 1.4614% | 1,613 |
| Return on Equity (ROE) | 15.4601% | 806 |
| Retained earnings to average equity (ytd only) | 15.4601% | 377 |
| Net charge-offs to loans | 0.1935% | 3,754 |
| Credit loss provision to net charge-offs | 111.1111% | 3,111 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,067 |
| Efficiency ratio | 65.7851% | 5,165 |
| Assets per employee ($millions) | 3.1233% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 6,523 |
| Loan loss allowance to noncurrent loans | 295.1613% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 7,185 |
| Noncurrent loans to loans | 0.3346% | 6,626 |
| Net loans and leases to total assets | 34.5525% | 7,475 |
| Net loans and leases to deposits | 48.6206% | 7,203 |
| Net loans and leases to core deposits | 52.0100% | 7,200 |
| Total domestic deposits to total assets | 71.0656% | 7,337 |
| Equity capital to assets | 9.7597% | 4,162 |
| Core capital (leverage) ratio | 8.7170% | 4,993 |
| Tier 1 risk-based capital ratio | 25.5758% | 806 |
| Total risk-based capital ratio | 26.5582% | 810 |
| Memoranda: | ||
| Average total assets | $53,922,000 | 6,606 |
| Average earning assets | $48,237,500 | 6,620 |
| Average equity | $5,097,000 | 6,819 |
| Average total loans | $18,605,500 | 7,232 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 4,636 |
| Cost of funding earning assets | 1.0474% | 7,108 |
| Net interest margin | 4.3650% | 1,532 |
| Noninterest income to average assets | 1.2147% | 1,041 |
| Noninterest expense to average assets | 3.6046% | 2,130 |
| Loan and lease loss provision to assets | 0.0594% | 6,969 |
| Net operating income to assets | 1.4486% | 766 |
| Return on assets (ROA) | 1.4486% | 825 |
| Pretax return on assets | 1.4486% | 1,316 |
| Return on Equity (ROE) | 15.0871% | 658 |
| Retained earnings to average equity (ytd only) | 5.1185% | 1,758 |
| Net charge-offs to loans | 0.0908% | 6,222 |
| Credit loss provision to net charge-offs | 176.4706% | 2,374 |
| Earnings coverage of net charge-offs (x) | 44.7647% | 561 |
| Efficiency ratio | 70.5039% | 4,524 |
| Assets per employee ($millions) | 3.2205% | 5,679 |
| Cash dividends to net income (ytd only)* | 66.0739% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 6,516 |
| Loan loss allowance to noncurrent loans | 627.5862% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 7,367 |
| Noncurrent loans to loans | 0.1552% | 7,038 |
| Net loans and leases to total assets | 33.7912% | 7,600 |
| Net loans and leases to deposits | 47.1362% | 7,388 |
| Net loans and leases to core deposits | 57.0090% | 7,368 |
| Total domestic deposits to total assets | 71.6885% | 7,271 |
| Equity capital to assets | 9.1547% | 4,911 |
| Core capital (leverage) ratio | 8.4002% | 5,436 |
| Tier 1 risk-based capital ratio | 23.6082% | 983 |
| Total risk-based capital ratio | 24.5490% | 988 |
| Memoranda: | ||
| Average total assets | $50,463,400 | 6,689 |
| Average earning assets | $45,062,800 | 6,720 |
| Average equity | $4,845,200 | 7,004 |
| Average total loans | $18,727,800 | 7,272 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5906% | 3,924 |
| Cost of funding earning assets | 1.1102% | 7,158 |
| Net interest margin | 4.4803% | 1,242 |
| Noninterest income to average assets | 1.1257% | 1,245 |
| Noninterest expense to average assets | 3.3095% | 2,875 |
| Loan and lease loss provision to assets | 0.0270% | 7,084 |
| Net operating income to assets | 1.7870% | 460 |
| Return on assets (ROA) | 1.7870% | 486 |
| Pretax return on assets | 1.7870% | 822 |
| Return on Equity (ROE) | 18.3749% | 420 |
| Retained earnings to average equity (ytd only) | 11.2416% | 445 |
| Net charge-offs to loans | 0.0783% | 5,898 |
| Credit loss provision to net charge-offs | 90.9091% | 5,453 |
| Earnings coverage of net charge-offs (x) | 61.0757% | 541 |
| Efficiency ratio | 64.5943% | 5,638 |
| Assets per employee ($millions) | 2.9450% | 6,291 |
| Cash dividends to net income (ytd only)* | 38.8222% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 6,641 |
| Loan loss allowance to noncurrent loans | 442.1053% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 7,366 |
| Noncurrent loans to loans | 0.2099% | 6,975 |
| Net loans and leases to total assets | 35.8274% | 7,626 |
| Net loans and leases to deposits | 46.3452% | 7,556 |
| Net loans and leases to core deposits | 57.6493% | 7,482 |
| Total domestic deposits to total assets | 77.3055% | 6,265 |
| Equity capital to assets | 10.2087% | 3,838 |
| Core capital (leverage) ratio | 9.4205% | 4,019 |
| Tier 1 risk-based capital ratio | 25.5131% | 855 |
| Total risk-based capital ratio | 26.4204% | 860 |
| Memoranda: | ||
| Average total assets | $49,392,250 | 6,782 |
| Average earning assets | $44,073,250 | 6,813 |
| Average equity | $4,803,500 | 7,081 |
| Average total loans | $18,739,250 | 7,336 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6862% | 3,626 |
| Cost of funding earning assets | 1.1901% | 7,133 |
| Net interest margin | 4.4961% | 1,177 |
| Noninterest income to average assets | 1.1512% | 1,179 |
| Noninterest expense to average assets | 3.2623% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8996% | 376 |
| Return on assets (ROA) | 1.8996% | 406 |
| Pretax return on assets | 1.8996% | 695 |
| Return on Equity (ROE) | 19.8681% | 347 |
| Retained earnings to average equity (ytd only) | 13.1887% | 308 |
| Net charge-offs to loans | 0.1161% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 42.4545% | 778 |
| Efficiency ratio | 63.1994% | 6,056 |
| Assets per employee ($millions) | 3.0564% | 5,981 |
| Cash dividends to net income (ytd only)* | 33.6188% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 6,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 37.7625% | 7,643 |
| Net loans and leases to deposits | 49.5958% | 7,501 |
| Net loans and leases to core deposits | 60.8508% | 7,418 |
| Total domestic deposits to total assets | 76.1405% | 6,519 |
| Equity capital to assets | 10.0914% | 3,821 |
| Core capital (leverage) ratio | 8.9518% | 4,714 |
| Tier 1 risk-based capital ratio | 25.7741% | 875 |
| Total risk-based capital ratio | 26.6540% | 886 |
| Memoranda: | ||
| Average total assets | $49,168,000 | 6,864 |
| Average earning assets | $43,860,670 | 6,890 |
| Average equity | $4,701,000 | 7,172 |
| Average total loans | $18,950,670 | 7,400 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7768% | 3,413 |
| Cost of funding earning assets | 1.2909% | 7,042 |
| Net interest margin | 4.4859% | 1,158 |
| Noninterest income to average assets | 1.2414% | 928 |
| Noninterest expense to average assets | 3.2697% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9472% | 382 |
| Return on assets (ROA) | 1.9472% | 434 |
| Pretax return on assets | 1.9472% | 731 |
| Return on Equity (ROE) | 20.9424% | 367 |
| Retained earnings to average equity (ytd only) | 14.1361% | 508 |
| Net charge-offs to loans | 0.2302% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 21.8182% | 1,325 |
| Efficiency ratio | 62.6750% | 5,938 |
| Assets per employee ($millions) | 3.0985% | 5,892 |
| Cash dividends to net income (ytd only)* | 32.5000% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 7,045 |
| Loan loss allowance to noncurrent loans | 2,257.1429% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 7,594 |
| Noncurrent loans to loans | 0.0367% | 7,443 |
| Net loans and leases to total assets | 38.1071% | 7,662 |
| Net loans and leases to deposits | 46.0702% | 7,659 |
| Net loans and leases to core deposits | 57.4120% | 7,547 |
| Total domestic deposits to total assets | 82.7154% | 4,282 |
| Equity capital to assets | 9.6075% | 4,516 |
| Core capital (leverage) ratio | 8.6286% | 5,284 |
| Tier 1 risk-based capital ratio | 24.5225% | 1,021 |
| Total risk-based capital ratio | 25.3872% | 1,039 |
| Memoranda: | ||
| Average total assets | $49,300,500 | 6,896 |
| Average earning assets | $43,692,000 | 6,948 |
| Average equity | $4,584,000 | 7,260 |
| Average total loans | $19,113,500 | 7,431 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2438% | 4,281 |
| Cost of funding earning assets | 1.5972% | 7,458 |
| Net interest margin | 4.6466% | 1,057 |
| Noninterest income to average assets | 1.4844% | 638 |
| Noninterest expense to average assets | 3.9009% | 1,559 |
| Loan and lease loss provision to assets | 0.1681% | 5,230 |
| Net operating income to assets | 1.4735% | 1,072 |
| Return on assets (ROA) | 1.4735% | 1,029 |
| Pretax return on assets | 1.4735% | 1,754 |
| Return on Equity (ROE) | 15.5645% | 841 |
| Retained earnings to average equity (ytd only) | 4.8192% | 2,134 |
| Net charge-offs to loans | 0.0872% | 5,497 |
| Credit loss provision to net charge-offs | 481.2500% | 917 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 793 |
| Efficiency ratio | 70.3820% | 4,273 |
| Assets per employee ($millions) | 2.8838% | 6,356 |
| Cash dividends to net income (ytd only)* | 69.0370% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 6,771 |
| Loan loss allowance to noncurrent loans | 650.0000% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 7,368 |
| Noncurrent loans to loans | 0.1356% | 7,009 |
| Net loans and leases to total assets | 38.7721% | 7,725 |
| Net loans and leases to deposits | 47.7684% | 7,716 |
| Net loans and leases to core deposits | 59.6966% | 7,595 |
| Total domestic deposits to total assets | 81.1668% | 4,574 |
| Equity capital to assets | 8.9852% | 5,382 |
| Core capital (leverage) ratio | 8.7637% | 5,092 |
| Tier 1 risk-based capital ratio | 23.3766% | 1,154 |
| Total risk-based capital ratio | 24.2911% | 1,161 |
| Memoranda: | ||
| Average total assets | $45,810,000 | 6,944 |
| Average earning assets | $40,008,000 | 7,041 |
| Average equity | $4,336,800 | 7,380 |
| Average total loans | $18,357,600 | 7,439 |