Home > First Community Bank of Moultrie County > Performance and Condition Ratios
First Community Bank of Moultrie County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4617% | 4,406 |
| Cost of funding earning assets | 0.4522% | 4,246 |
| Net interest margin | 3.0095% | 3,261 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.3820% | 2,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8927% | 2,574 |
| Return on assets (ROA) | 0.8863% | 2,563 |
| Pretax return on assets | 0.8881% | 2,995 |
| Return on Equity (ROE) | 22.6800% | 414 |
| Retained earnings to average equity (ytd only) | 4.7643% | 2,687 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.6996% | 1,591 |
| Assets per employee ($millions) | 5.3131% | 3,381 |
| Cash dividends to net income (ytd only)* | 78.9959% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0378% | 353 |
| Loan loss allowance to noncurrent loans | 386.0558% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 2,100 |
| Noncurrent loans to loans | 0.5278% | 1,469 |
| Net loans and leases to total assets | 41.7500% | 3,972 |
| Net loans and leases to deposits | 44.1031% | 4,102 |
| Net loans and leases to core deposits | 44.9643% | 4,180 |
| Total domestic deposits to total assets | 94.6700% | 69 |
| Equity capital to assets | 4.7233% | 4,446 |
| Core capital (leverage) ratio | 8.5762% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5697% | 724 |
| Memoranda: | ||
| Average total assets | $110,119,800 | 3,742 |
| Average earning assets | $103,705,200 | 3,708 |
| Average equity | $4,302,800 | 4,328 |
| Average total loans | $44,525,400 | 3,923 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3822% | 4,425 |
| Cost of funding earning assets | 0.4229% | 4,229 |
| Net interest margin | 2.9592% | 3,418 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.3178% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9074% | 2,655 |
| Return on assets (ROA) | 0.8989% | 2,669 |
| Pretax return on assets | 0.9014% | 3,098 |
| Return on Equity (ROE) | 24.3000% | 416 |
| Retained earnings to average equity (ytd only) | 5.0233% | 2,922 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.8103% | 1,594 |
| Assets per employee ($millions) | 5.1842% | 3,444 |
| Cash dividends to net income (ytd only)* | 79.3243% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 324 |
| Loan loss allowance to noncurrent loans | 395.1020% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 2,132 |
| Noncurrent loans to loans | 0.5418% | 1,472 |
| Net loans and leases to total assets | 40.6400% | 4,027 |
| Net loans and leases to deposits | 42.3346% | 4,154 |
| Net loans and leases to core deposits | 42.8653% | 4,196 |
| Total domestic deposits to total assets | 96.0100% | 80 |
| Equity capital to assets | 3.2424% | 4,473 |
| Core capital (leverage) ratio | 8.6497% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1910% | 679 |
| Memoranda: | ||
| Average total assets | $109,756,000 | 3,758 |
| Average earning assets | $103,402,750 | 3,722 |
| Average equity | $4,061,000 | 4,362 |
| Average total loans | $43,768,750 | 3,949 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 4,459 |
| Cost of funding earning assets | 0.3762% | 4,203 |
| Net interest margin | 2.9287% | 3,594 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.3026% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9032% | 2,746 |
| Return on assets (ROA) | 0.9032% | 2,733 |
| Pretax return on assets | 0.9068% | 3,146 |
| Return on Equity (ROE) | 23.4500% | 462 |
| Retained earnings to average equity (ytd only) | 4.3889% | 3,106 |
| Net charge-offs to loans | -0.0046% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.7441% | 1,584 |
| Assets per employee ($millions) | 4.8408% | 3,724 |
| Cash dividends to net income (ytd only)* | 81.2877% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2754% | 278 |
| Loan loss allowance to noncurrent loans | 392.7126% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 2,025 |
| Noncurrent loans to loans | 0.5794% | 1,288 |
| Net loans and leases to total assets | 39.1200% | 4,069 |
| Net loans and leases to deposits | 41.9286% | 4,161 |
| Net loans and leases to core deposits | 42.3717% | 4,204 |
| Total domestic deposits to total assets | 93.2900% | 212 |
| Equity capital to assets | 3.9644% | 4,507 |
| Core capital (leverage) ratio | 8.5698% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9112% | 641 |
| Memoranda: | ||
| Average total assets | $110,051,667 | 3,770 |
| Average earning assets | $103,665,000 | 3,740 |
| Average equity | $4,238,000 | 4,367 |
| Average total loans | $43,286,000 | 3,971 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1919% | 4,495 |
| Cost of funding earning assets | 0.2733% | 4,249 |
| Net interest margin | 2.9186% | 3,761 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.2678% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9371% | 2,731 |
| Return on assets (ROA) | 0.9371% | 2,687 |
| Pretax return on assets | 0.9443% | 3,140 |
| Return on Equity (ROE) | 24.6800% | 419 |
| Retained earnings to average equity (ytd only) | 5.6524% | 2,857 |
| Net charge-offs to loans | -0.0092% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.6013% | 1,688 |
| Assets per employee ($millions) | 5.6268% | 3,097 |
| Cash dividends to net income (ytd only)* | 77.0992% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2965% | 286 |
| Loan loss allowance to noncurrent loans | 414.1026% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 2,094 |
| Noncurrent loans to loans | 0.5546% | 1,337 |
| Net loans and leases to total assets | 36.6300% | 4,166 |
| Net loans and leases to deposits | 38.3863% | 4,269 |
| Net loans and leases to core deposits | 38.7606% | 4,301 |
| Total domestic deposits to total assets | 95.4300% | 74 |
| Equity capital to assets | 4.0352% | 4,541 |
| Core capital (leverage) ratio | 8.4606% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8855% | 576 |
| Memoranda: | ||
| Average total assets | $111,828,500 | 3,799 |
| Average earning assets | $105,393,000 | 3,768 |
| Average equity | $4,246,000 | 4,429 |
| Average total loans | $43,614,500 | 4,005 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9421% | 4,197 |
| Cost of funding earning assets | 0.1112% | 4,332 |
| Net interest margin | 2.8310% | 3,828 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.2149% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9267% | 2,855 |
| Return on assets (ROA) | 0.9267% | 2,796 |
| Pretax return on assets | 0.9285% | 3,273 |
| Return on Equity (ROE) | 18.1100% | 685 |
| Retained earnings to average equity (ytd only) | 6.8576% | 2,299 |
| Net charge-offs to loans | 0.0482% | 1,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 49.9048% | 1,366 |
| Efficiency ratio | 70.4622% | 1,626 |
| Assets per employee ($millions) | 5.2915% | 3,433 |
| Cash dividends to net income (ytd only)* | 62.1415% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8164% | 640 |
| Loan loss allowance to noncurrent loans | 349.5726% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 2,109 |
| Noncurrent loans to loans | 0.5196% | 1,404 |
| Net loans and leases to total assets | 39.7900% | 4,074 |
| Net loans and leases to deposits | 42.7569% | 4,154 |
| Net loans and leases to core deposits | 43.1899% | 4,202 |
| Total domestic deposits to total assets | 93.0600% | 391 |
| Equity capital to assets | 3.5556% | 4,564 |
| Core capital (leverage) ratio | 8.3326% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1322% | 701 |
| Memoranda: | ||
| Average total assets | $112,872,000 | 3,801 |
| Average earning assets | $106,147,800 | 3,769 |
| Average equity | $5,774,600 | 4,355 |
| Average total loans | $43,577,000 | 4,002 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8191% | 4,171 |
| Cost of funding earning assets | 0.0814% | 4,411 |
| Net interest margin | 2.7377% | 3,859 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.1922% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9025% | 2,854 |
| Return on assets (ROA) | 0.9025% | 2,831 |
| Pretax return on assets | 0.9049% | 3,298 |
| Return on Equity (ROE) | 16.4100% | 905 |
| Retained earnings to average equity (ytd only) | 6.8265% | 2,435 |
| Net charge-offs to loans | -0.0370% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.7827% | 1,674 |
| Assets per employee ($millions) | 5.6531% | 3,076 |
| Cash dividends to net income (ytd only)* | 58.4094% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 581 |
| Loan loss allowance to noncurrent loans | 141.4309% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 1,015 |
| Noncurrent loans to loans | 1.3537% | 540 |
| Net loans and leases to total assets | 38.5200% | 4,127 |
| Net loans and leases to deposits | 40.2237% | 4,228 |
| Net loans and leases to core deposits | 40.4618% | 4,267 |
| Total domestic deposits to total assets | 95.7500% | 149 |
| Equity capital to assets | 3.1469% | 4,581 |
| Core capital (leverage) ratio | 8.4013% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8933% | 739 |
| Memoranda: | ||
| Average total assets | $113,309,500 | 3,817 |
| Average earning assets | $106,510,000 | 3,789 |
| Average equity | $6,230,500 | 4,348 |
| Average total loans | $43,212,500 | 4,032 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6475% | 4,222 |
| Cost of funding earning assets | 0.0709% | 4,453 |
| Net interest margin | 2.5766% | 3,947 |
| Noninterest income to average assets | 0.5164% | 2,105 |
| Noninterest expense to average assets | 2.1592% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7861% | 3,009 |
| Return on assets (ROA) | 0.7861% | 2,978 |
| Pretax return on assets | 0.7897% | 3,356 |
| Return on Equity (ROE) | 12.3946% | 1,552 |
| Retained earnings to average equity (ytd only) | 4.8356% | 2,774 |
| Net charge-offs to loans | -0.0514% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2218% | 1,595 |
| Assets per employee ($millions) | 5.4934% | 3,241 |
| Cash dividends to net income (ytd only)* | 60.9865% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 553 |
| Loan loss allowance to noncurrent loans | 319.5489% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 2,166 |
| Noncurrent loans to loans | 0.6258% | 1,356 |
| Net loans and leases to total assets | 36.1098% | 4,245 |
| Net loans and leases to deposits | 38.2041% | 4,328 |
| Net loans and leases to core deposits | 38.5171% | 4,369 |
| Total domestic deposits to total assets | 94.5181% | 197 |
| Equity capital to assets | 4.9444% | 4,487 |
| Core capital (leverage) ratio | 8.4152% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9526% | 631 |
| Memoranda: | ||
| Average total assets | $113,467,000 | 3,860 |
| Average earning assets | $107,119,333 | 3,836 |
| Average equity | $7,196,667 | 4,296 |
| Average total loans | $42,817,667 | 4,089 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5887% | 4,140 |
| Cost of funding earning assets | 0.0526% | 4,584 |
| Net interest margin | 2.5361% | 3,821 |
| Noninterest income to average assets | 0.3093% | 3,250 |
| Noninterest expense to average assets | 2.1685% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5332% | 3,616 |
| Return on assets (ROA) | 0.5332% | 3,585 |
| Pretax return on assets | 0.5404% | 3,786 |
| Return on Equity (ROE) | 7.5538% | 2,852 |
| Retained earnings to average equity (ytd only) | 1.6115% | 3,653 |
| Net charge-offs to loans | -0.0931% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0525% | 1,151 |
| Assets per employee ($millions) | 5.7423% | 3,068 |
| Cash dividends to net income (ytd only)* | 78.6667% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0850% | 532 |
| Loan loss allowance to noncurrent loans | 308.7273% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 2,139 |
| Noncurrent loans to loans | 0.6753% | 1,409 |
| Net loans and leases to total assets | 34.7172% | 4,273 |
| Net loans and leases to deposits | 37.1035% | 4,351 |
| Net loans and leases to core deposits | 38.6864% | 4,350 |
| Total domestic deposits to total assets | 93.5687% | 160 |
| Equity capital to assets | 5.9184% | 4,602 |
| Core capital (leverage) ratio | 8.1826% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0902% | 551 |
| Memoranda: | ||
| Average total assets | $112,519,500 | 3,887 |
| Average earning assets | $106,463,000 | 3,855 |
| Average equity | $7,943,000 | 4,275 |
| Average total loans | $42,973,000 | 4,102 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1874% | 3,499 |
| Cost of funding earning assets | 0.1304% | 4,151 |
| Net interest margin | 3.0570% | 3,026 |
| Noninterest income to average assets | 0.3242% | 3,463 |
| Noninterest expense to average assets | 2.2582% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9456% | 2,882 |
| Return on assets (ROA) | 0.9838% | 2,806 |
| Pretax return on assets | 0.9866% | 3,295 |
| Return on Equity (ROE) | 11.4501% | 2,001 |
| Retained earnings to average equity (ytd only) | 3.7300% | 3,326 |
| Net charge-offs to loans | 0.0061% | 2,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 339.3333% | 366 |
| Efficiency ratio | 70.4242% | 1,693 |
| Assets per employee ($millions) | 5.5097% | 3,248 |
| Cash dividends to net income (ytd only)* | 67.4242% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 790 |
| Loan loss allowance to noncurrent loans | 298.5765% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 2,286 |
| Noncurrent loans to loans | 0.6213% | 1,594 |
| Net loans and leases to total assets | 40.2808% | 4,078 |
| Net loans and leases to deposits | 44.1842% | 4,171 |
| Net loans and leases to core deposits | 46.4712% | 4,164 |
| Total domestic deposits to total assets | 91.1656% | 431 |
| Equity capital to assets | 8.2482% | 4,208 |
| Core capital (leverage) ratio | 8.4567% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,342,800 | 3,920 |
| Average earning assets | $101,210,400 | 3,896 |
| Average equity | $9,222,600 | 4,222 |
| Average total loans | $49,345,400 | 4,015 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1951% | 3,611 |
| Cost of funding earning assets | 0.1420% | 4,180 |
| Net interest margin | 3.0531% | 3,167 |
| Noninterest income to average assets | 0.3239% | 3,491 |
| Noninterest expense to average assets | 2.2445% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9516% | 3,073 |
| Return on assets (ROA) | 1.0028% | 2,960 |
| Pretax return on assets | 1.0066% | 3,436 |
| Return on Equity (ROE) | 11.5526% | 2,193 |
| Retained earnings to average equity (ytd only) | 3.6732% | 3,688 |
| Net charge-offs to loans | 0.0079% | 2,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 254.6667% | 479 |
| Efficiency ratio | 70.1446% | 1,586 |
| Assets per employee ($millions) | 5.0738% | 3,631 |
| Cash dividends to net income (ytd only)* | 68.2045% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 981 |
| Loan loss allowance to noncurrent loans | 313.0597% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 2,580 |
| Noncurrent loans to loans | 0.5664% | 1,894 |
| Net loans and leases to total assets | 41.6344% | 4,116 |
| Net loans and leases to deposits | 45.6864% | 4,244 |
| Net loans and leases to core deposits | 48.0193% | 4,240 |
| Total domestic deposits to total assets | 91.1309% | 326 |
| Equity capital to assets | 8.3136% | 4,331 |
| Core capital (leverage) ratio | 8.7467% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,630,000 | 3,973 |
| Average earning assets | $100,441,750 | 3,951 |
| Average equity | $9,256,000 | 4,276 |
| Average total loans | $50,375,250 | 4,044 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 3,468 |
| Cost of funding earning assets | 0.1597% | 4,124 |
| Net interest margin | 3.1259% | 2,970 |
| Noninterest income to average assets | 0.3296% | 3,456 |
| Noninterest expense to average assets | 2.2903% | 2,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9801% | 2,960 |
| Return on assets (ROA) | 1.0499% | 2,799 |
| Pretax return on assets | 1.0556% | 3,317 |
| Return on Equity (ROE) | 11.9161% | 2,098 |
| Retained earnings to average equity (ytd only) | 3.6548% | 3,630 |
| Net charge-offs to loans | -0.0078% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9244% | 1,646 |
| Assets per employee ($millions) | 4.7672% | 3,866 |
| Cash dividends to net income (ytd only)* | 69.3285% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 1,090 |
| Loan loss allowance to noncurrent loans | 313.7546% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 2,645 |
| Noncurrent loans to loans | 0.5380% | 2,057 |
| Net loans and leases to total assets | 46.8721% | 3,837 |
| Net loans and leases to deposits | 52.8955% | 3,937 |
| Net loans and leases to core deposits | 55.3611% | 3,940 |
| Total domestic deposits to total assets | 88.6126% | 1,496 |
| Equity capital to assets | 8.8960% | 3,894 |
| Core capital (leverage) ratio | 8.9247% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,965,333 | 4,012 |
| Average earning assets | $98,916,667 | 3,984 |
| Average equity | $9,248,000 | 4,296 |
| Average total loans | $51,396,000 | 4,050 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2549% | 3,559 |
| Cost of funding earning assets | 0.1698% | 4,166 |
| Net interest margin | 3.0851% | 3,038 |
| Noninterest income to average assets | 0.3314% | 3,443 |
| Noninterest expense to average assets | 2.3160% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9118% | 3,101 |
| Return on assets (ROA) | 1.0513% | 2,709 |
| Pretax return on assets | 1.0628% | 3,208 |
| Return on Equity (ROE) | 11.9909% | 2,018 |
| Retained earnings to average equity (ytd only) | 3.6928% | 3,596 |
| Net charge-offs to loans | -0.0077% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5294% | 1,543 |
| Assets per employee ($millions) | 4.9547% | 3,713 |
| Cash dividends to net income (ytd only)* | 69.2029% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 1,211 |
| Loan loss allowance to noncurrent loans | 276.3934% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 2,754 |
| Noncurrent loans to loans | 0.5903% | 2,093 |
| Net loans and leases to total assets | 46.6272% | 3,912 |
| Net loans and leases to deposits | 51.0091% | 4,108 |
| Net loans and leases to core deposits | 53.2188% | 4,134 |
| Total domestic deposits to total assets | 91.4094% | 258 |
| Equity capital to assets | 8.0190% | 4,474 |
| Core capital (leverage) ratio | 9.0174% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,008,500 | 4,016 |
| Average earning assets | $98,928,000 | 3,990 |
| Average equity | $9,207,000 | 4,311 |
| Average total loans | $52,092,500 | 4,052 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7304% | 3,492 |
| Cost of funding earning assets | 0.2280% | 4,476 |
| Net interest margin | 3.5023% | 2,472 |
| Noninterest income to average assets | 0.4270% | 2,982 |
| Noninterest expense to average assets | 2.5271% | 2,763 |
| Loan and lease loss provision to assets | 0.1118% | 2,952 |
| Net operating income to assets | 1.0575% | 2,076 |
| Return on assets (ROA) | 1.0916% | 2,075 |
| Pretax return on assets | 1.0937% | 2,725 |
| Return on Equity (ROE) | 10.6887% | 1,751 |
| Retained earnings to average equity (ytd only) | 3.3787% | 3,134 |
| Net charge-offs to loans | 0.0019% | 3,338 |
| Credit loss provision to net charge-offs | 10,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 1,100.0000% | 102 |
| Efficiency ratio | 68.3271% | 2,195 |
| Assets per employee ($millions) | 4.5915% | 3,821 |
| Cash dividends to net income (ytd only)* | 68.3902% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 1,286 |
| Loan loss allowance to noncurrent loans | 268.1529% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 2,752 |
| Noncurrent loans to loans | 0.5979% | 2,199 |
| Net loans and leases to total assets | 51.1563% | 3,736 |
| Net loans and leases to deposits | 56.9629% | 3,947 |
| Net loans and leases to core deposits | 59.6833% | 3,964 |
| Total domestic deposits to total assets | 89.8064% | 636 |
| Equity capital to assets | 9.5759% | 3,538 |
| Core capital (leverage) ratio | 9.1317% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,902,600 | 4,068 |
| Average earning assets | $87,712,600 | 4,056 |
| Average equity | $9,589,600 | 4,236 |
| Average total loans | $52,682,400 | 4,052 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8314% | 3,468 |
| Cost of funding earning assets | 0.2391% | 4,538 |
| Net interest margin | 3.5923% | 2,300 |
| Noninterest income to average assets | 0.4631% | 2,773 |
| Noninterest expense to average assets | 2.5602% | 2,662 |
| Loan and lease loss provision to assets | 0.1227% | 2,799 |
| Net operating income to assets | 1.1260% | 1,894 |
| Return on assets (ROA) | 1.1723% | 1,861 |
| Pretax return on assets | 1.1752% | 2,471 |
| Return on Equity (ROE) | 11.2865% | 1,592 |
| Retained earnings to average equity (ytd only) | 4.0687% | 3,012 |
| Net charge-offs to loans | 0.0126% | 2,655 |
| Credit loss provision to net charge-offs | 1,700.0000% | 556 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 539 |
| Efficiency ratio | 67.1602% | 2,292 |
| Assets per employee ($millions) | 4.4460% | 3,911 |
| Cash dividends to net income (ytd only)* | 63.9506% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,289 |
| Loan loss allowance to noncurrent loans | 861.0526% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 3,947 |
| Noncurrent loans to loans | 0.1781% | 3,672 |
| Net loans and leases to total assets | 53.6985% | 3,831 |
| Net loans and leases to deposits | 60.0688% | 4,054 |
| Net loans and leases to core deposits | 60.5055% | 4,176 |
| Total domestic deposits to total assets | 89.3949% | 618 |
| Equity capital to assets | 9.9825% | 3,239 |
| Core capital (leverage) ratio | 9.8164% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,124,750 | 4,094 |
| Average earning assets | $85,885,250 | 4,082 |
| Average equity | $9,568,750 | 4,254 |
| Average total loans | $52,723,750 | 4,072 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 3,647 |
| Cost of funding earning assets | 0.2452% | 4,636 |
| Net interest margin | 3.6465% | 2,325 |
| Noninterest income to average assets | 0.3923% | 3,132 |
| Noninterest expense to average assets | 2.6045% | 2,644 |
| Loan and lease loss provision to assets | 0.1219% | 2,814 |
| Net operating income to assets | 1.0573% | 2,118 |
| Return on assets (ROA) | 1.1327% | 1,984 |
| Pretax return on assets | 1.1371% | 2,587 |
| Return on Equity (ROE) | 10.7537% | 1,717 |
| Retained earnings to average equity (ytd only) | 3.7249% | 3,052 |
| Net charge-offs to loans | 0.0190% | 2,344 |
| Credit loss provision to net charge-offs | 1,100.0000% | 741 |
| Earnings coverage of net charge-offs (x) | 106.8000% | 671 |
| Efficiency ratio | 68.7537% | 2,130 |
| Assets per employee ($millions) | 4.4292% | 3,878 |
| Cash dividends to net income (ytd only)* | 65.3620% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,248 |
| Loan loss allowance to noncurrent loans | 455.4913% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 3,607 |
| Noncurrent loans to loans | 0.3303% | 3,207 |
| Net loans and leases to total assets | 55.4583% | 3,734 |
| Net loans and leases to deposits | 62.3048% | 3,992 |
| Net loans and leases to core deposits | 62.7825% | 4,139 |
| Total domestic deposits to total assets | 89.0113% | 737 |
| Equity capital to assets | 10.3995% | 2,838 |
| Core capital (leverage) ratio | 9.9038% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,229,333 | 4,127 |
| Average earning assets | $84,025,333 | 4,109 |
| Average equity | $9,503,667 | 4,280 |
| Average total loans | $52,518,000 | 4,093 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 4,058 |
| Cost of funding earning assets | 0.2569% | 4,756 |
| Net interest margin | 3.6302% | 2,568 |
| Noninterest income to average assets | 0.4097% | 3,029 |
| Noninterest expense to average assets | 2.7061% | 2,693 |
| Loan and lease loss provision to assets | 0.0675% | 2,913 |
| Net operating income to assets | 0.9997% | 2,175 |
| Return on assets (ROA) | 1.0086% | 2,254 |
| Pretax return on assets | 1.0176% | 2,789 |
| Return on Equity (ROE) | 9.5127% | 1,908 |
| Retained earnings to average equity (ytd only) | 1.6987% | 3,551 |
| Net charge-offs to loans | 0.0380% | 1,659 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 47.8000% | 925 |
| Efficiency ratio | 71.5476% | 2,155 |
| Assets per employee ($millions) | 4.2789% | 3,555 |
| Cash dividends to net income (ytd only)* | 82.1429% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,460 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 3,644 |
| Noncurrent loans to loans | 0.3667% | 3,174 |
| Net loans and leases to total assets | 55.9161% | 3,846 |
| Net loans and leases to deposits | 63.0043% | 4,035 |
| Net loans and leases to core deposits | 63.2995% | 4,209 |
| Total domestic deposits to total assets | 88.7498% | 786 |
| Equity capital to assets | 10.5914% | 3,238 |
| Core capital (leverage) ratio | 10.0683% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,837,000 | 4,140 |
| Average earning assets | $82,529,500 | 4,132 |
| Average equity | $9,419,000 | 4,309 |
| Average total loans | $52,591,000 | 4,100 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 3,932 |
| Cost of funding earning assets | 0.2817% | 4,769 |
| Net interest margin | 3.8662% | 2,286 |
| Noninterest income to average assets | 0.4931% | 2,780 |
| Noninterest expense to average assets | 2.7362% | 2,785 |
| Loan and lease loss provision to assets | 0.0631% | 2,775 |
| Net operating income to assets | 1.2798% | 1,768 |
| Return on assets (ROA) | 1.3028% | 1,759 |
| Pretax return on assets | 1.3050% | 2,494 |
| Return on Equity (ROE) | 12.3269% | 1,388 |
| Retained earnings to average equity (ytd only) | 2.7345% | 3,668 |
| Net charge-offs to loans | 0.0245% | 2,914 |
| Credit loss provision to net charge-offs | 423.0769% | 674 |
| Earnings coverage of net charge-offs (x) | 90.2308% | 734 |
| Efficiency ratio | 67.0413% | 2,614 |
| Assets per employee ($millions) | 4.1818% | 3,653 |
| Cash dividends to net income (ytd only)* | 77.8169% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 1,664 |
| Loan loss allowance to noncurrent loans | 370.8543% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 3,281 |
| Noncurrent loans to loans | 0.3672% | 3,133 |
| Net loans and leases to total assets | 60.8668% | 3,515 |
| Net loans and leases to deposits | 68.6682% | 3,762 |
| Net loans and leases to core deposits | 69.2204% | 4,006 |
| Total domestic deposits to total assets | 88.6390% | 823 |
| Equity capital to assets | 10.6140% | 3,336 |
| Core capital (leverage) ratio | 10.0396% | 3,473 |
| Tier 1 risk-based capital ratio | 17.2942% | 1,965 |
| Total risk-based capital ratio | 18.5462% | 1,910 |
| Memoranda: | ||
| Average total assets | $87,199,800 | 4,183 |
| Average earning assets | $80,933,200 | 4,168 |
| Average equity | $9,215,600 | 4,342 |
| Average total loans | $52,988,400 | 4,125 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 4,103 |
| Cost of funding earning assets | 0.2855% | 4,832 |
| Net interest margin | 3.8381% | 2,473 |
| Noninterest income to average assets | 0.5085% | 2,674 |
| Noninterest expense to average assets | 2.7127% | 2,830 |
| Loan and lease loss provision to assets | 0.0536% | 2,837 |
| Net operating income to assets | 1.3020% | 1,855 |
| Return on assets (ROA) | 1.3326% | 1,784 |
| Pretax return on assets | 1.3357% | 2,544 |
| Return on Equity (ROE) | 12.6231% | 1,404 |
| Retained earnings to average equity (ytd only) | 3.4097% | 3,704 |
| Net charge-offs to loans | 0.0405% | 2,283 |
| Credit loss provision to net charge-offs | 218.7500% | 1,224 |
| Earnings coverage of net charge-offs (x) | 55.4449% | 1,118 |
| Efficiency ratio | 66.6290% | 2,648 |
| Assets per employee ($millions) | 4.2920% | 3,493 |
| Cash dividends to net income (ytd only)* | 72.9890% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 1,732 |
| Loan loss allowance to noncurrent loans | 359.2965% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 3,437 |
| Noncurrent loans to loans | 0.3777% | 3,202 |
| Net loans and leases to total assets | 57.6643% | 3,909 |
| Net loans and leases to deposits | 64.8192% | 4,134 |
| Net loans and leases to core deposits | 65.1189% | 4,318 |
| Total domestic deposits to total assets | 88.9617% | 619 |
| Equity capital to assets | 10.3537% | 3,674 |
| Core capital (leverage) ratio | 10.2053% | 3,419 |
| Tier 1 risk-based capital ratio | 17.2006% | 2,026 |
| Total risk-based capital ratio | 18.4507% | 1,981 |
| Memoranda: | ||
| Average total assets | $87,045,250 | 4,238 |
| Average earning assets | $80,801,750 | 4,224 |
| Average equity | $9,189,250 | 4,395 |
| Average total loans | $52,688,000 | 4,175 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 4,146 |
| Cost of funding earning assets | 0.2831% | 4,870 |
| Net interest margin | 3.8229% | 2,505 |
| Noninterest income to average assets | 0.5092% | 2,624 |
| Noninterest expense to average assets | 2.7367% | 2,795 |
| Loan and lease loss provision to assets | 0.0465% | 2,884 |
| Net operating income to assets | 1.2695% | 1,880 |
| Return on assets (ROA) | 1.3230% | 1,740 |
| Pretax return on assets | 1.3277% | 2,447 |
| Return on Equity (ROE) | 12.4485% | 1,431 |
| Retained earnings to average equity (ytd only) | 4.0255% | 3,239 |
| Net charge-offs to loans | 0.0076% | 2,876 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 275 |
| Efficiency ratio | 67.4499% | 2,618 |
| Assets per employee ($millions) | 4.1081% | 3,716 |
| Cash dividends to net income (ytd only)* | 67.6626% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 1,666 |
| Loan loss allowance to noncurrent loans | 338.3886% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 2,496 |
| Noncurrent loans to loans | 0.4098% | 3,064 |
| Net loans and leases to total assets | 58.8501% | 3,838 |
| Net loans and leases to deposits | 66.4181% | 4,068 |
| Net loans and leases to core deposits | 66.7385% | 4,280 |
| Total domestic deposits to total assets | 88.6055% | 824 |
| Equity capital to assets | 10.7546% | 3,303 |
| Core capital (leverage) ratio | 10.4208% | 3,171 |
| Tier 1 risk-based capital ratio | 17.7871% | 1,858 |
| Total risk-based capital ratio | 19.0379% | 1,812 |
| Memoranda: | ||
| Average total assets | $86,016,330 | 4,283 |
| Average earning assets | $79,835,330 | 4,267 |
| Average equity | $9,141,670 | 4,415 |
| Average total loans | $52,687,670 | 4,205 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 4,207 |
| Cost of funding earning assets | 0.2711% | 4,926 |
| Net interest margin | 3.8001% | 2,524 |
| Noninterest income to average assets | 0.4797% | 2,678 |
| Noninterest expense to average assets | 2.7803% | 2,635 |
| Loan and lease loss provision to assets | 0.0466% | 2,718 |
| Net operating income to assets | 1.1689% | 2,180 |
| Return on assets (ROA) | 1.1689% | 2,236 |
| Pretax return on assets | 1.1783% | 2,883 |
| Return on Equity (ROE) | 11.0652% | 1,923 |
| Retained earnings to average equity (ytd only) | 2.9537% | 3,750 |
| Net charge-offs to loans | 0.0300% | 1,851 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 65.7500% | 874 |
| Efficiency ratio | 69.4186% | 2,440 |
| Assets per employee ($millions) | 3.9297% | 4,030 |
| Cash dividends to net income (ytd only)* | 73.3068% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 1,844 |
| Loan loss allowance to noncurrent loans | 316.2162% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 2,480 |
| Noncurrent loans to loans | 0.4288% | 3,045 |
| Net loans and leases to total assets | 59.0661% | 3,782 |
| Net loans and leases to deposits | 66.5039% | 4,014 |
| Net loans and leases to core deposits | 66.8215% | 4,243 |
| Total domestic deposits to total assets | 88.8160% | 951 |
| Equity capital to assets | 10.5582% | 3,297 |
| Core capital (leverage) ratio | 10.2475% | 3,332 |
| Tier 1 risk-based capital ratio | 17.6031% | 1,913 |
| Total risk-based capital ratio | 18.8540% | 1,866 |
| Memoranda: | ||
| Average total assets | $85,889,500 | 4,328 |
| Average earning assets | $79,681,500 | 4,310 |
| Average equity | $9,073,500 | 4,457 |
| Average total loans | $53,289,500 | 4,235 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 4,173 |
| Cost of funding earning assets | 0.1486% | 5,173 |
| Net interest margin | 3.7992% | 2,658 |
| Noninterest income to average assets | 0.4872% | 2,897 |
| Noninterest expense to average assets | 2.7575% | 2,833 |
| Loan and lease loss provision to assets | 0.1668% | 1,214 |
| Net operating income to assets | 1.0959% | 2,616 |
| Return on assets (ROA) | 1.0959% | 2,616 |
| Pretax return on assets | 1.0959% | 3,290 |
| Return on Equity (ROE) | 10.3508% | 2,368 |
| Retained earnings to average equity (ytd only) | 2.2614% | 4,251 |
| Net charge-offs to loans | 0.3399% | 561 |
| Credit loss provision to net charge-offs | 77.7778% | 2,898 |
| Earnings coverage of net charge-offs (x) | 5.8889% | 3,143 |
| Efficiency ratio | 68.5926% | 2,451 |
| Assets per employee ($millions) | 3.8784% | 4,060 |
| Cash dividends to net income (ytd only)* | 78.1522% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,194 |
| Loan loss allowance to noncurrent loans | 116.0000% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 1,971 |
| Noncurrent loans to loans | 1.0947% | 1,483 |
| Net loans and leases to total assets | 63.4234% | 3,413 |
| Net loans and leases to deposits | 71.4450% | 3,715 |
| Net loans and leases to core deposits | 71.7890% | 4,001 |
| Total domestic deposits to total assets | 88.7723% | 959 |
| Equity capital to assets | 10.5702% | 3,107 |
| Core capital (leverage) ratio | 10.2139% | 3,345 |
| Tier 1 risk-based capital ratio | 16.7011% | 2,170 |
| Total risk-based capital ratio | 17.9518% | 2,118 |
| Memoranda: | ||
| Average total assets | $83,951,400 | 4,359 |
| Average earning assets | $78,070,000 | 4,349 |
| Average equity | $8,888,200 | 4,472 |
| Average total loans | $52,960,200 | 4,243 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 4,221 |
| Cost of funding earning assets | 0.1387% | 5,250 |
| Net interest margin | 3.7580% | 2,798 |
| Noninterest income to average assets | 0.4848% | 2,950 |
| Noninterest expense to average assets | 2.7588% | 2,779 |
| Loan and lease loss provision to assets | 0.1754% | 1,046 |
| Net operating income to assets | 1.0493% | 2,866 |
| Return on assets (ROA) | 1.0493% | 2,879 |
| Pretax return on assets | 1.0493% | 3,578 |
| Return on Equity (ROE) | 9.9070% | 2,660 |
| Retained earnings to average equity (ytd only) | 2.0627% | 4,562 |
| Net charge-offs to loans | 0.4648% | 340 |
| Credit loss provision to net charge-offs | 60.1093% | 2,744 |
| Earnings coverage of net charge-offs (x) | 4.1968% | 3,091 |
| Efficiency ratio | 69.2554% | 2,316 |
| Assets per employee ($millions) | 4.2136% | 3,558 |
| Cash dividends to net income (ytd only)* | 79.1795% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,307 |
| Loan loss allowance to noncurrent loans | 126.2857% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 2,313 |
| Noncurrent loans to loans | 0.9981% | 1,706 |
| Net loans and leases to total assets | 61.6290% | 3,688 |
| Net loans and leases to deposits | 69.3534% | 3,969 |
| Net loans and leases to core deposits | 69.6903% | 4,213 |
| Total domestic deposits to total assets | 88.8623% | 890 |
| Equity capital to assets | 10.5456% | 3,099 |
| Core capital (leverage) ratio | 10.4477% | 3,132 |
| Tier 1 risk-based capital ratio | 17.4411% | 1,955 |
| Total risk-based capital ratio | 18.6907% | 1,906 |
| Memoranda: | ||
| Average total assets | $83,608,000 | 4,410 |
| Average earning assets | $77,840,000 | 4,397 |
| Average equity | $8,855,500 | 4,522 |
| Average total loans | $52,497,250 | 4,300 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 4,152 |
| Cost of funding earning assets | 0.1314% | 5,315 |
| Net interest margin | 3.7401% | 2,789 |
| Noninterest income to average assets | 0.4965% | 2,883 |
| Noninterest expense to average assets | 2.7702% | 2,763 |
| Loan and lease loss provision to assets | 0.1559% | 1,207 |
| Net operating income to assets | 1.0529% | 2,795 |
| Return on assets (ROA) | 1.0529% | 2,786 |
| Pretax return on assets | 1.0529% | 3,501 |
| Return on Equity (ROE) | 9.9265% | 2,595 |
| Retained earnings to average equity (ytd only) | 2.2838% | 4,366 |
| Net charge-offs to loans | 0.4308% | 357 |
| Credit loss provision to net charge-offs | 57.5221% | 2,446 |
| Earnings coverage of net charge-offs (x) | 4.4602% | 2,789 |
| Efficiency ratio | 69.6203% | 2,377 |
| Assets per employee ($millions) | 4.0532% | 3,810 |
| Cash dividends to net income (ytd only)* | 76.9932% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,003 |
| Loan loss allowance to noncurrent loans | 106.8323% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 1,888 |
| Noncurrent loans to loans | 1.2513% | 1,373 |
| Net loans and leases to total assets | 62.6414% | 3,533 |
| Net loans and leases to deposits | 70.8047% | 3,793 |
| Net loans and leases to core deposits | 71.1639% | 4,071 |
| Total domestic deposits to total assets | 88.4707% | 1,156 |
| Equity capital to assets | 10.9396% | 2,692 |
| Core capital (leverage) ratio | 10.2993% | 3,236 |
| Tier 1 risk-based capital ratio | 17.7925% | 1,859 |
| Total risk-based capital ratio | 19.0443% | 1,824 |
| Memoranda: | ||
| Average total assets | $83,386,670 | 4,462 |
| Average earning assets | $77,645,000 | 4,445 |
| Average equity | $8,845,000 | 4,555 |
| Average total loans | $52,463,330 | 4,338 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 4,286 |
| Cost of funding earning assets | 0.1269% | 5,368 |
| Net interest margin | 3.6507% | 2,985 |
| Noninterest income to average assets | 0.4968% | 2,820 |
| Noninterest expense to average assets | 2.8386% | 2,575 |
| Loan and lease loss provision to assets | 0.0946% | 1,933 |
| Net operating income to assets | 0.9604% | 3,031 |
| Return on assets (ROA) | 0.9604% | 3,047 |
| Pretax return on assets | 0.9651% | 3,650 |
| Return on Equity (ROE) | 9.1923% | 2,811 |
| Retained earnings to average equity (ytd only) | 2.2188% | 4,280 |
| Net charge-offs to loans | 0.8610% | 167 |
| Credit loss provision to net charge-offs | 17.5439% | 2,138 |
| Earnings coverage of net charge-offs (x) | 1.9649% | 2,500 |
| Efficiency ratio | 72.8155% | 2,068 |
| Assets per employee ($millions) | 4.3060% | 3,476 |
| Cash dividends to net income (ytd only)* | 75.8621% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,799 |
| Loan loss allowance to noncurrent loans | 99.8445% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 2,083 |
| Noncurrent loans to loans | 1.2026% | 1,515 |
| Net loans and leases to total assets | 61.3395% | 3,617 |
| Net loans and leases to deposits | 68.7539% | 3,901 |
| Net loans and leases to core deposits | 69.3060% | 4,123 |
| Total domestic deposits to total assets | 89.2161% | 1,004 |
| Equity capital to assets | 10.2544% | 3,329 |
| Core capital (leverage) ratio | 10.1152% | 3,410 |
| Tier 1 risk-based capital ratio | 17.0355% | 2,107 |
| Total risk-based capital ratio | 18.2844% | 2,058 |
| Memoranda: | ||
| Average total assets | $84,548,500 | 4,484 |
| Average earning assets | $78,779,000 | 4,476 |
| Average equity | $8,833,500 | 4,605 |
| Average total loans | $52,961,500 | 4,373 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 4,425 |
| Cost of funding earning assets | 0.1291% | 5,369 |
| Net interest margin | 3.5340% | 3,407 |
| Noninterest income to average assets | 0.4624% | 3,232 |
| Noninterest expense to average assets | 2.9320% | 2,340 |
| Loan and lease loss provision to assets | 0.0861% | 2,473 |
| Net operating income to assets | 0.7096% | 3,558 |
| Return on assets (ROA) | 0.7281% | 3,517 |
| Pretax return on assets | 0.7293% | 4,440 |
| Return on Equity (ROE) | 7.1487% | 3,200 |
| Retained earnings to average equity (ytd only) | 1.4128% | 4,440 |
| Net charge-offs to loans | 0.0732% | 2,401 |
| Credit loss provision to net charge-offs | 194.4444% | 1,401 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 2,098 |
| Efficiency ratio | 78.6280% | 1,264 |
| Assets per employee ($millions) | 3.9513% | 4,045 |
| Cash dividends to net income (ytd only)* | 80.2365% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 1,764 |
| Loan loss allowance to noncurrent loans | 95.4545% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 1,667 |
| Noncurrent loans to loans | 1.4679% | 1,163 |
| Net loans and leases to total assets | 62.3310% | 3,577 |
| Net loans and leases to deposits | 70.2597% | 3,845 |
| Net loans and leases to core deposits | 70.6060% | 4,136 |
| Total domestic deposits to total assets | 88.7151% | 1,137 |
| Equity capital to assets | 10.6486% | 2,993 |
| Core capital (leverage) ratio | 9.7816% | 3,714 |
| Tier 1 risk-based capital ratio | 17.6766% | 1,895 |
| Total risk-based capital ratio | 18.9293% | 1,843 |
| Memoranda: | ||
| Average total assets | $81,309,400 | 4,563 |
| Average earning assets | $75,156,000 | 4,558 |
| Average equity | $8,281,200 | 4,738 |
| Average total loans | $49,166,800 | 4,481 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5860% | 4,594 |
| Cost of funding earning assets | 0.1304% | 5,426 |
| Net interest margin | 3.4555% | 3,656 |
| Noninterest income to average assets | 0.4483% | 3,344 |
| Noninterest expense to average assets | 2.9289% | 2,306 |
| Loan and lease loss provision to assets | 0.0824% | 2,442 |
| Net operating income to assets | 0.6230% | 4,304 |
| Return on assets (ROA) | 0.6478% | 4,256 |
| Pretax return on assets | 0.6494% | 4,726 |
| Return on Equity (ROE) | 6.4352% | 3,937 |
| Retained earnings to average equity (ytd only) | 1.9650% | 4,653 |
| Net charge-offs to loans | 0.0910% | 1,885 |
| Credit loss provision to net charge-offs | 151.5152% | 1,679 |
| Earnings coverage of net charge-offs (x) | 12.9998% | 2,383 |
| Efficiency ratio | 80.5530% | 1,041 |
| Assets per employee ($millions) | 4.2042% | 3,635 |
| Cash dividends to net income (ytd only)* | 69.4651% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,783 |
| Loan loss allowance to noncurrent loans | 92.4165% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 1,956 |
| Noncurrent loans to loans | 1.5458% | 1,204 |
| Net loans and leases to total assets | 56.1934% | 4,218 |
| Net loans and leases to deposits | 62.7889% | 4,454 |
| Net loans and leases to core deposits | 63.0771% | 4,647 |
| Total domestic deposits to total assets | 89.4957% | 657 |
| Equity capital to assets | 10.0637% | 3,838 |
| Core capital (leverage) ratio | 9.8751% | 3,724 |
| Tier 1 risk-based capital ratio | 18.1145% | 1,828 |
| Total risk-based capital ratio | 19.3664% | 1,781 |
| Memoranda: | ||
| Average total assets | $80,892,250 | 4,615 |
| Average earning assets | $74,622,000 | 4,619 |
| Average equity | $8,142,500 | 4,815 |
| Average total loans | $48,344,500 | 4,547 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 4,629 |
| Cost of funding earning assets | 0.1306% | 5,441 |
| Net interest margin | 3.4207% | 3,697 |
| Noninterest income to average assets | 0.4514% | 3,342 |
| Noninterest expense to average assets | 2.9582% | 2,241 |
| Loan and lease loss provision to assets | 0.0765% | 2,452 |
| Net operating income to assets | 0.5534% | 4,507 |
| Return on assets (ROA) | 0.5916% | 4,394 |
| Pretax return on assets | 0.5942% | 4,821 |
| Return on Equity (ROE) | 5.8771% | 4,099 |
| Retained earnings to average equity (ytd only) | 1.4946% | 4,648 |
| Net charge-offs to loans | 0.1342% | 1,359 |
| Credit loss provision to net charge-offs | 93.7500% | 2,102 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,576 |
| Efficiency ratio | 82.3864% | 969 |
| Assets per employee ($millions) | 3.8283% | 4,234 |
| Cash dividends to net income (ytd only)* | 74.5690% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 2,076 |
| Loan loss allowance to noncurrent loans | 86.8323% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 1,839 |
| Noncurrent loans to loans | 1.5809% | 1,173 |
| Net loans and leases to total assets | 59.6298% | 3,873 |
| Net loans and leases to deposits | 66.9279% | 4,153 |
| Net loans and leases to core deposits | 67.2514% | 4,401 |
| Total domestic deposits to total assets | 89.0956% | 910 |
| Equity capital to assets | 10.4758% | 3,377 |
| Core capital (leverage) ratio | 9.9014% | 3,654 |
| Tier 1 risk-based capital ratio | 17.5551% | 1,989 |
| Total risk-based capital ratio | 18.8071% | 1,941 |
| Memoranda: | ||
| Average total assets | $78,427,000 | 4,695 |
| Average earning assets | $71,973,670 | 4,698 |
| Average equity | $7,895,000 | 4,871 |
| Average total loans | $47,682,330 | 4,590 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4159% | 4,896 |
| Cost of funding earning assets | 0.1280% | 5,505 |
| Net interest margin | 3.2879% | 4,054 |
| Noninterest income to average assets | 0.4396% | 3,381 |
| Noninterest expense to average assets | 2.9022% | 2,450 |
| Loan and lease loss provision to assets | 0.0794% | 2,220 |
| Net operating income to assets | 0.4449% | 4,800 |
| Return on assets (ROA) | 0.4502% | 4,798 |
| Pretax return on assets | 0.4555% | 5,044 |
| Return on Equity (ROE) | 4.5754% | 4,577 |
| Retained earnings to average equity (ytd only) | 0.6459% | 4,761 |
| Net charge-offs to loans | 0.2866% | 633 |
| Credit loss provision to net charge-offs | 45.4545% | 2,022 |
| Earnings coverage of net charge-offs (x) | 3.0303% | 2,519 |
| Efficiency ratio | 84.5679% | 921 |
| Assets per employee ($millions) | 3.8813% | 4,209 |
| Cash dividends to net income (ytd only)* | 85.8824% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 2,171 |
| Loan loss allowance to noncurrent loans | 95.9270% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 2,303 |
| Noncurrent loans to loans | 1.4373% | 1,401 |
| Net loans and leases to total assets | 54.7266% | 4,281 |
| Net loans and leases to deposits | 60.9583% | 4,499 |
| Net loans and leases to core deposits | 61.2333% | 4,709 |
| Total domestic deposits to total assets | 89.7772% | 763 |
| Equity capital to assets | 9.8363% | 3,941 |
| Core capital (leverage) ratio | 11.8191% | 1,737 |
| Tier 1 risk-based capital ratio | 17.8837% | 1,913 |
| Total risk-based capital ratio | 19.1352% | 1,870 |
| Memoranda: | ||
| Average total assets | $75,529,000 | 4,804 |
| Average earning assets | $68,736,500 | 4,813 |
| Average equity | $7,431,000 | 4,981 |
| Average total loans | $46,063,000 | 4,674 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 3,688 |
| Cost of funding earning assets | 0.1408% | 5,477 |
| Net interest margin | 3.7261% | 2,591 |
| Noninterest income to average assets | 0.4571% | 3,499 |
| Noninterest expense to average assets | 3.1041% | 2,024 |
| Loan and lease loss provision to assets | 0.1069% | 2,265 |
| Net operating income to assets | 0.5968% | 4,216 |
| Return on assets (ROA) | 0.6050% | 4,297 |
| Pretax return on assets | 0.6050% | 4,776 |
| Return on Equity (ROE) | 6.0871% | 3,935 |
| Retained earnings to average equity (ytd only) | 1.9022% | 4,451 |
| Net charge-offs to loans | 0.0933% | 2,378 |
| Credit loss provision to net charge-offs | 166.6667% | 1,656 |
| Earnings coverage of net charge-offs (x) | 10.9744% | 2,577 |
| Efficiency ratio | 81.5199% | 1,257 |
| Assets per employee ($millions) | 3.2519% | 5,096 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 1,258 |
| Loan loss allowance to noncurrent loans | 89.1995% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.5699% | 1,032 |
| Noncurrent loans to loans | 1.8479% | 1,020 |
| Net loans and leases to total assets | 67.7910% | 2,813 |
| Net loans and leases to deposits | 75.6106% | 3,361 |
| Net loans and leases to core deposits | 75.6106% | 3,780 |
| Total domestic deposits to total assets | 89.6580% | 789 |
| Equity capital to assets | 9.8419% | 3,894 |
| Core capital (leverage) ratio | 9.8167% | 3,718 |
| Tier 1 risk-based capital ratio | 15.4126% | 2,785 |
| Total risk-based capital ratio | 16.6671% | 2,719 |
| Memoranda: | ||
| Average total assets | $60,822,600 | 5,118 |
| Average earning assets | $54,695,200 | 5,156 |
| Average equity | $6,045,600 | 5,273 |
| Average total loans | $41,792,800 | 4,823 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 3,660 |
| Cost of funding earning assets | 0.1444% | 5,512 |
| Net interest margin | 3.7334% | 2,582 |
| Noninterest income to average assets | 0.4776% | 3,396 |
| Noninterest expense to average assets | 3.1450% | 1,914 |
| Loan and lease loss provision to assets | 0.0990% | 2,247 |
| Net operating income to assets | 0.5898% | 4,332 |
| Return on assets (ROA) | 0.6008% | 4,404 |
| Pretax return on assets | 0.6008% | 4,875 |
| Return on Equity (ROE) | 6.0296% | 4,050 |
| Retained earnings to average equity (ytd only) | 1.7228% | 4,819 |
| Net charge-offs to loans | 0.1314% | 1,655 |
| Credit loss provision to net charge-offs | 109.7561% | 2,225 |
| Earnings coverage of net charge-offs (x) | 7.6334% | 2,858 |
| Efficiency ratio | 82.0321% | 1,184 |
| Assets per employee ($millions) | 3.2236% | 5,140 |
| Cash dividends to net income (ytd only)* | 71.4278% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 1,461 |
| Loan loss allowance to noncurrent loans | 90.7877% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.5461% | 1,142 |
| Noncurrent loans to loans | 1.7647% | 1,178 |
| Net loans and leases to total assets | 68.1872% | 2,772 |
| Net loans and leases to deposits | 76.1422% | 3,386 |
| Net loans and leases to core deposits | 76.1422% | 3,818 |
| Total domestic deposits to total assets | 89.5525% | 649 |
| Equity capital to assets | 9.9234% | 4,212 |
| Core capital (leverage) ratio | 10.0038% | 3,563 |
| Tier 1 risk-based capital ratio | 15.4823% | 2,840 |
| Total risk-based capital ratio | 16.7374% | 2,771 |
| Memoranda: | ||
| Average total assets | $60,581,500 | 5,174 |
| Average earning assets | $54,462,250 | 5,205 |
| Average equity | $6,036,750 | 5,328 |
| Average total loans | $41,594,000 | 4,870 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 3,713 |
| Cost of funding earning assets | 0.1438% | 5,587 |
| Net interest margin | 3.7241% | 2,597 |
| Noninterest income to average assets | 0.4805% | 3,329 |
| Noninterest expense to average assets | 3.1677% | 1,893 |
| Loan and lease loss provision to assets | 0.0994% | 2,175 |
| Net operating income to assets | 0.5600% | 4,441 |
| Return on assets (ROA) | 0.5766% | 4,492 |
| Pretax return on assets | 0.5766% | 4,955 |
| Return on Equity (ROE) | 5.7779% | 4,156 |
| Retained earnings to average equity (ytd only) | 1.7599% | 4,680 |
| Net charge-offs to loans | 0.0145% | 3,247 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 66.3333% | 814 |
| Efficiency ratio | 82.7706% | 1,177 |
| Assets per employee ($millions) | 3.1021% | 5,324 |
| Cash dividends to net income (ytd only)* | 69.5402% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 1,204 |
| Loan loss allowance to noncurrent loans | 91.2987% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.6322% | 1,120 |
| Noncurrent loans to loans | 1.8988% | 1,067 |
| Net loans and leases to total assets | 67.6106% | 2,840 |
| Net loans and leases to deposits | 75.8263% | 3,406 |
| Net loans and leases to core deposits | 75.8263% | 3,835 |
| Total domestic deposits to total assets | 89.1651% | 838 |
| Equity capital to assets | 10.2954% | 3,868 |
| Core capital (leverage) ratio | 9.9374% | 3,639 |
| Tier 1 risk-based capital ratio | 15.9244% | 2,677 |
| Total risk-based capital ratio | 17.1810% | 2,613 |
| Memoranda: | ||
| Average total assets | $60,359,000 | 5,235 |
| Average earning assets | $54,240,670 | 5,266 |
| Average equity | $6,023,000 | 5,383 |
| Average total loans | $41,310,670 | 4,926 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 3,808 |
| Cost of funding earning assets | 0.1460% | 5,637 |
| Net interest margin | 3.6943% | 2,692 |
| Noninterest income to average assets | 0.5174% | 3,009 |
| Noninterest expense to average assets | 3.0981% | 2,110 |
| Loan and lease loss provision to assets | 0.0982% | 2,054 |
| Net operating income to assets | 0.6353% | 4,038 |
| Return on assets (ROA) | 0.6681% | 4,003 |
| Pretax return on assets | 0.6681% | 4,627 |
| Return on Equity (ROE) | 6.7994% | 3,559 |
| Retained earnings to average equity (ytd only) | 2.3998% | 4,294 |
| Net charge-offs to loans | -0.0096% | 4,516 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8547% | 1,500 |
| Assets per employee ($millions) | 3.2115% | 5,261 |
| Cash dividends to net income (ytd only)* | 64.7059% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 1,375 |
| Loan loss allowance to noncurrent loans | 87.3737% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.7175% | 1,120 |
| Noncurrent loans to loans | 1.9445% | 1,112 |
| Net loans and leases to total assets | 65.6183% | 3,007 |
| Net loans and leases to deposits | 73.2363% | 3,525 |
| Net loans and leases to core deposits | 73.2363% | 3,963 |
| Total domestic deposits to total assets | 89.5982% | 788 |
| Equity capital to assets | 9.8905% | 4,223 |
| Core capital (leverage) ratio | 10.0125% | 3,528 |
| Tier 1 risk-based capital ratio | 16.0259% | 2,668 |
| Total risk-based capital ratio | 17.2808% | 2,619 |
| Memoranda: | ||
| Average total assets | $61,069,000 | 5,270 |
| Average earning assets | $54,787,500 | 5,299 |
| Average equity | $6,000,500 | 5,422 |
| Average total loans | $41,690,000 | 4,942 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 3,991 |
| Cost of funding earning assets | 0.1515% | 5,673 |
| Net interest margin | 3.6667% | 2,876 |
| Noninterest income to average assets | 0.5291% | 3,143 |
| Noninterest expense to average assets | 3.1612% | 2,058 |
| Loan and lease loss provision to assets | 0.0986% | 2,338 |
| Net operating income to assets | 0.5701% | 4,420 |
| Return on assets (ROA) | 0.6096% | 4,321 |
| Pretax return on assets | 0.6096% | 4,806 |
| Return on Equity (ROE) | 6.3063% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.1277% | 3,831 |
| Net charge-offs to loans | 0.1577% | 1,800 |
| Credit loss provision to net charge-offs | 92.3077% | 2,716 |
| Earnings coverage of net charge-offs (x) | 6.2615% | 3,252 |
| Efficiency ratio | 82.5397% | 1,335 |
| Assets per employee ($millions) | 3.2168% | 5,274 |
| Cash dividends to net income (ytd only)* | 50.4043% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 1,662 |
| Loan loss allowance to noncurrent loans | 81.2500% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.9290% | 932 |
| Noncurrent loans to loans | 1.9508% | 1,085 |
| Net loans and leases to total assets | 68.6731% | 2,591 |
| Net loans and leases to deposits | 76.5344% | 3,192 |
| Net loans and leases to core deposits | 76.8877% | 3,674 |
| Total domestic deposits to total assets | 89.7284% | 739 |
| Equity capital to assets | 9.7611% | 4,229 |
| Core capital (leverage) ratio | 9.4950% | 4,177 |
| Tier 1 risk-based capital ratio | 15.1786% | 3,089 |
| Total risk-based capital ratio | 16.4327% | 3,025 |
| Memoranda: | ||
| Average total assets | $60,862,800 | 5,305 |
| Average earning assets | $54,789,800 | 5,327 |
| Average equity | $5,883,000 | 5,460 |
| Average total loans | $41,214,000 | 4,959 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 4,109 |
| Cost of funding earning assets | 0.1534% | 5,755 |
| Net interest margin | 3.6390% | 3,003 |
| Noninterest income to average assets | 0.5197% | 3,228 |
| Noninterest expense to average assets | 3.2171% | 1,925 |
| Loan and lease loss provision to assets | 0.0987% | 2,205 |
| Net operating income to assets | 0.4825% | 4,849 |
| Return on assets (ROA) | 0.5439% | 4,711 |
| Pretax return on assets | 0.5439% | 5,115 |
| Return on Equity (ROE) | 5.6405% | 4,338 |
| Retained earnings to average equity (ytd only) | 2.8885% | 4,391 |
| Net charge-offs to loans | 0.2121% | 1,227 |
| Credit loss provision to net charge-offs | 69.2308% | 2,784 |
| Earnings coverage of net charge-offs (x) | 4.0771% | 3,403 |
| Efficiency ratio | 84.6998% | 1,109 |
| Assets per employee ($millions) | 3.3282% | 5,085 |
| Cash dividends to net income (ytd only)* | 48.7903% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 1,716 |
| Loan loss allowance to noncurrent loans | 75.4566% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 1,140 |
| Noncurrent loans to loans | 2.1482% | 1,037 |
| Net loans and leases to total assets | 63.4427% | 3,387 |
| Net loans and leases to deposits | 70.3578% | 3,942 |
| Net loans and leases to core deposits | 70.6701% | 4,310 |
| Total domestic deposits to total assets | 90.1716% | 507 |
| Equity capital to assets | 9.3856% | 4,900 |
| Core capital (leverage) ratio | 9.8040% | 3,894 |
| Tier 1 risk-based capital ratio | 16.0614% | 2,767 |
| Total risk-based capital ratio | 17.3171% | 2,720 |
| Memoranda: | ||
| Average total assets | $60,798,500 | 5,374 |
| Average earning assets | $54,775,500 | 5,393 |
| Average equity | $5,862,250 | 5,534 |
| Average total loans | $40,855,250 | 5,028 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 4,061 |
| Cost of funding earning assets | 0.1556% | 5,811 |
| Net interest margin | 3.6464% | 2,921 |
| Noninterest income to average assets | 0.5401% | 3,106 |
| Noninterest expense to average assets | 3.3408% | 1,598 |
| Loan and lease loss provision to assets | 0.1000% | 2,159 |
| Net operating income to assets | 0.3801% | 5,205 |
| Return on assets (ROA) | 0.4668% | 5,002 |
| Pretax return on assets | 0.4668% | 5,310 |
| Return on Equity (ROE) | 4.7962% | 4,703 |
| Retained earnings to average equity (ytd only) | 2.3981% | 4,531 |
| Net charge-offs to loans | 0.3229% | 816 |
| Credit loss provision to net charge-offs | 45.4545% | 2,752 |
| Earnings coverage of net charge-offs (x) | 2.1818% | 3,392 |
| Efficiency ratio | 87.4346% | 943 |
| Assets per employee ($millions) | 3.0617% | 5,513 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 1,928 |
| Loan loss allowance to noncurrent loans | 71.9866% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 2.0491% | 1,061 |
| Noncurrent loans to loans | 2.2144% | 1,080 |
| Net loans and leases to total assets | 68.4476% | 2,578 |
| Net loans and leases to deposits | 76.5539% | 3,204 |
| Net loans and leases to core deposits | 77.4880% | 3,628 |
| Total domestic deposits to total assets | 89.4109% | 946 |
| Equity capital to assets | 10.0906% | 3,931 |
| Core capital (leverage) ratio | 9.7909% | 3,873 |
| Tier 1 risk-based capital ratio | 16.0999% | 2,806 |
| Total risk-based capital ratio | 17.3542% | 2,761 |
| Memoranda: | ||
| Average total assets | $59,986,330 | 5,448 |
| Average earning assets | $53,971,000 | 5,462 |
| Average equity | $5,838,000 | 5,592 |
| Average total loans | $40,880,670 | 5,074 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 4,301 |
| Cost of funding earning assets | 0.1531% | 5,909 |
| Net interest margin | 3.5659% | 3,148 |
| Noninterest income to average assets | 0.5321% | 3,075 |
| Noninterest expense to average assets | 3.3436% | 1,612 |
| Loan and lease loss provision to assets | 0.0985% | 2,053 |
| Net operating income to assets | 0.3022% | 5,405 |
| Return on assets (ROA) | 0.4730% | 4,906 |
| Pretax return on assets | 0.4730% | 5,251 |
| Return on Equity (ROE) | 4.9468% | 4,554 |
| Retained earnings to average equity (ytd only) | 3.2978% | 4,004 |
| Net charge-offs to loans | 0.6620% | 366 |
| Credit loss provision to net charge-offs | 22.0588% | 2,341 |
| Earnings coverage of net charge-offs (x) | 0.8971% | 2,998 |
| Efficiency ratio | 89.2982% | 909 |
| Assets per employee ($millions) | 2.9550% | 5,725 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 2,141 |
| Loan loss allowance to noncurrent loans | 67.7454% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.9708% | 1,215 |
| Noncurrent loans to loans | 2.3256% | 1,062 |
| Net loans and leases to total assets | 63.2213% | 3,205 |
| Net loans and leases to deposits | 70.1122% | 3,738 |
| Net loans and leases to core deposits | 70.9068% | 4,071 |
| Total domestic deposits to total assets | 90.1716% | 664 |
| Equity capital to assets | 9.4271% | 4,832 |
| Core capital (leverage) ratio | 9.5205% | 4,243 |
| Tier 1 risk-based capital ratio | 15.8381% | 2,996 |
| Total risk-based capital ratio | 17.0931% | 2,931 |
| Memoranda: | ||
| Average total assets | $60,893,000 | 5,484 |
| Average earning assets | $54,853,500 | 5,497 |
| Average equity | $5,822,000 | 5,650 |
| Average total loans | $41,089,500 | 5,102 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 3,807 |
| Cost of funding earning assets | 0.1824% | 5,892 |
| Net interest margin | 3.7947% | 2,642 |
| Noninterest income to average assets | 0.5763% | 3,016 |
| Noninterest expense to average assets | 3.3945% | 1,710 |
| Loan and lease loss provision to assets | 0.1465% | 1,802 |
| Net operating income to assets | 0.4559% | 4,991 |
| Return on assets (ROA) | 0.4607% | 5,057 |
| Pretax return on assets | 0.4607% | 5,355 |
| Return on Equity (ROE) | 5.0401% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.4524% | 3,006 |
| Net charge-offs to loans | 0.2697% | 1,602 |
| Credit loss provision to net charge-offs | 78.2609% | 2,900 |
| Earnings coverage of net charge-offs (x) | 3.2174% | 3,942 |
| Efficiency ratio | 84.9287% | 1,298 |
| Assets per employee ($millions) | 2.9866% | 5,716 |
| Cash dividends to net income (ytd only)* | 11.6608% | 4,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 2,058 |
| Loan loss allowance to noncurrent loans | 61.5732% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.3104% | 1,033 |
| Noncurrent loans to loans | 2.6135% | 949 |
| Net loans and leases to total assets | 69.7092% | 2,276 |
| Net loans and leases to deposits | 77.5541% | 3,023 |
| Net loans and leases to core deposits | 77.9198% | 3,528 |
| Total domestic deposits to total assets | 89.8846% | 781 |
| Equity capital to assets | 9.7002% | 4,470 |
| Core capital (leverage) ratio | 9.6290% | 4,056 |
| Tier 1 risk-based capital ratio | 14.8369% | 3,576 |
| Total risk-based capital ratio | 16.0940% | 3,509 |
| Memoranda: | ||
| Average total assets | $61,422,600 | 5,514 |
| Average earning assets | $55,366,000 | 5,537 |
| Average equity | $5,615,000 | 5,713 |
| Average total loans | $42,644,800 | 5,084 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 3,919 |
| Cost of funding earning assets | 0.1863% | 5,953 |
| Net interest margin | 3.7755% | 2,711 |
| Noninterest income to average assets | 0.5713% | 3,059 |
| Noninterest expense to average assets | 3.4062% | 1,646 |
| Loan and lease loss provision to assets | 0.1186% | 2,089 |
| Net operating income to assets | 0.4549% | 5,058 |
| Return on assets (ROA) | 0.4549% | 5,140 |
| Pretax return on assets | 0.4549% | 5,455 |
| Return on Equity (ROE) | 5.0506% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.6915% | 3,292 |
| Net charge-offs to loans | 0.3058% | 1,297 |
| Credit loss provision to net charge-offs | 56.1224% | 3,011 |
| Earnings coverage of net charge-offs (x) | 2.7144% | 3,839 |
| Efficiency ratio | 85.5905% | 1,224 |
| Assets per employee ($millions) | 2.7706% | 5,997 |
| Cash dividends to net income (ytd only)* | 7.1091% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 2,399 |
| Loan loss allowance to noncurrent loans | 71.4440% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.9662% | 1,466 |
| Noncurrent loans to loans | 2.2035% | 1,380 |
| Net loans and leases to total assets | 71.2437% | 1,982 |
| Net loans and leases to deposits | 79.3533% | 2,786 |
| Net loans and leases to core deposits | 79.7380% | 3,342 |
| Total domestic deposits to total assets | 89.7803% | 832 |
| Equity capital to assets | 9.8261% | 4,390 |
| Core capital (leverage) ratio | 9.6427% | 4,165 |
| Tier 1 risk-based capital ratio | 14.6817% | 3,766 |
| Total risk-based capital ratio | 15.9374% | 3,708 |
| Memoranda: | ||
| Average total assets | $61,845,500 | 5,570 |
| Average earning assets | $55,831,750 | 5,588 |
| Average equity | $5,570,250 | 5,783 |
| Average total loans | $42,726,250 | 5,132 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 4,258 |
| Cost of funding earning assets | 0.1893% | 6,008 |
| Net interest margin | 3.6816% | 3,023 |
| Noninterest income to average assets | 0.5264% | 3,292 |
| Noninterest expense to average assets | 3.3393% | 1,822 |
| Loan and lease loss provision to assets | 0.1268% | 1,947 |
| Net operating income to assets | 0.3901% | 5,262 |
| Return on assets (ROA) | 0.3901% | 5,330 |
| Pretax return on assets | 0.3901% | 5,594 |
| Return on Equity (ROE) | 4.4554% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.4554% | 3,335 |
| Net charge-offs to loans | 0.4519% | 897 |
| Credit loss provision to net charge-offs | 41.2371% | 2,904 |
| Earnings coverage of net charge-offs (x) | 1.6804% | 3,743 |
| Efficiency ratio | 86.5954% | 1,210 |
| Assets per employee ($millions) | 2.6630% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 2,520 |
| Loan loss allowance to noncurrent loans | 63.0709% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 2.1251% | 1,456 |
| Noncurrent loans to loans | 2.5150% | 1,236 |
| Net loans and leases to total assets | 68.7292% | 2,287 |
| Net loans and leases to deposits | 76.3303% | 3,014 |
| Net loans and leases to core deposits | 76.6967% | 3,559 |
| Total domestic deposits to total assets | 90.0418% | 787 |
| Equity capital to assets | 9.6305% | 4,585 |
| Core capital (leverage) ratio | 9.0868% | 4,888 |
| Tier 1 risk-based capital ratio | 14.9441% | 3,670 |
| Total risk-based capital ratio | 16.1991% | 3,610 |
| Memoranda: | ||
| Average total assets | $63,066,670 | 5,585 |
| Average earning assets | $57,039,670 | 5,585 |
| Average equity | $5,521,330 | 5,829 |
| Average total loans | $42,930,330 | 5,166 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7551% | 4,649 |
| Cost of funding earning assets | 0.1817% | 6,150 |
| Net interest margin | 3.5734% | 3,373 |
| Noninterest income to average assets | 0.5145% | 3,301 |
| Noninterest expense to average assets | 3.2523% | 2,064 |
| Loan and lease loss provision to assets | 0.1225% | 1,967 |
| Net operating income to assets | 0.3920% | 5,148 |
| Return on assets (ROA) | 0.3920% | 5,218 |
| Pretax return on assets | 0.3920% | 5,484 |
| Return on Equity (ROE) | 4.6878% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.6878% | 3,304 |
| Net charge-offs to loans | 0.0910% | 2,252 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 8.4000% | 2,026 |
| Efficiency ratio | 86.3415% | 1,412 |
| Assets per employee ($millions) | 3.0402% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 2,400 |
| Loan loss allowance to noncurrent loans | 70.1273% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.8255% | 1,912 |
| Noncurrent loans to loans | 2.4038% | 1,459 |
| Net loans and leases to total assets | 62.4325% | 3,164 |
| Net loans and leases to deposits | 68.2867% | 3,832 |
| Net loans and leases to core deposits | 68.5681% | 4,251 |
| Total domestic deposits to total assets | 91.4271% | 403 |
| Equity capital to assets | 8.2754% | 5,846 |
| Core capital (leverage) ratio | 8.5276% | 5,604 |
| Tier 1 risk-based capital ratio | 14.2447% | 4,166 |
| Total risk-based capital ratio | 15.5020% | 4,108 |
| Memoranda: | ||
| Average total assets | $65,307,500 | 5,583 |
| Average earning assets | $59,439,000 | 5,570 |
| Average equity | $5,461,000 | 5,878 |
| Average total loans | $43,938,500 | 5,167 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 4,683 |
| Cost of funding earning assets | 0.3010% | 5,590 |
| Net interest margin | 3.5310% | 3,757 |
| Noninterest income to average assets | 0.4322% | 4,215 |
| Noninterest expense to average assets | 3.0227% | 2,986 |
| Loan and lease loss provision to assets | 1.6322% | 77 |
| Net operating income to assets | -1.0109% | 6,612 |
| Return on assets (ROA) | -0.9995% | 6,609 |
| Pretax return on assets | -0.9924% | 6,590 |
| Return on Equity (ROE) | -12.6662% | 6,614 |
| Retained earnings to average equity (ytd only) | -13.7292% | 6,594 |
| Net charge-offs to loans | 2.0902% | 170 |
| Credit loss provision to net charge-offs | 120.9694% | 1,968 |
| Earnings coverage of net charge-offs (x) | 0.4658% | 4,922 |
| Efficiency ratio | 82.7882% | 1,777 |
| Assets per employee ($millions) | 2.8968% | 5,991 |
| Cash dividends to net income (ytd only)* | -8.3926% | 6,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 2,942 |
| Loan loss allowance to noncurrent loans | 68.4772% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.9316% | 1,867 |
| Noncurrent loans to loans | 2.2708% | 1,702 |
| Net loans and leases to total assets | 70.1349% | 1,989 |
| Net loans and leases to deposits | 76.8769% | 2,872 |
| Net loans and leases to core deposits | 77.2102% | 3,464 |
| Total domestic deposits to total assets | 91.2302% | 491 |
| Equity capital to assets | 8.4528% | 5,634 |
| Core capital (leverage) ratio | 8.2203% | 5,953 |
| Tier 1 risk-based capital ratio | 13.2484% | 4,824 |
| Total risk-based capital ratio | 14.5028% | 4,760 |
| Memoranda: | ||
| Average total assets | $70,335,600 | 5,468 |
| Average earning assets | $64,118,000 | 5,461 |
| Average equity | $5,550,200 | 5,918 |
| Average total loans | $45,402,200 | 5,134 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 4,891 |
| Cost of funding earning assets | 0.3228% | 5,522 |
| Net interest margin | 3.4676% | 4,024 |
| Noninterest income to average assets | 0.4130% | 4,427 |
| Noninterest expense to average assets | 2.9171% | 3,244 |
| Loan and lease loss provision to assets | 1.9207% | 44 |
| Net operating income to assets | -1.2706% | 6,737 |
| Return on assets (ROA) | -1.2558% | 6,737 |
| Pretax return on assets | -1.2465% | 6,729 |
| Return on Equity (ROE) | -16.1685% | 6,744 |
| Retained earnings to average equity (ytd only) | -17.5754% | 6,740 |
| Net charge-offs to loans | 2.3053% | 145 |
| Credit loss provision to net charge-offs | 132.1019% | 1,790 |
| Earnings coverage of net charge-offs (x) | 0.4535% | 4,712 |
| Efficiency ratio | 81.5640% | 1,889 |
| Assets per employee ($millions) | 3.0504% | 5,770 |
| Cash dividends to net income (ytd only)* | -8.7015% | 6,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 2,580 |
| Loan loss allowance to noncurrent loans | 131.3149% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 3,336 |
| Noncurrent loans to loans | 1.3057% | 3,224 |
| Net loans and leases to total assets | 64.8304% | 2,845 |
| Net loans and leases to deposits | 70.6523% | 3,692 |
| Net loans and leases to core deposits | 70.9403% | 4,218 |
| Total domestic deposits to total assets | 91.7597% | 296 |
| Equity capital to assets | 7.9766% | 6,166 |
| Core capital (leverage) ratio | 8.2672% | 6,001 |
| Tier 1 risk-based capital ratio | 13.4965% | 4,761 |
| Total risk-based capital ratio | 14.7541% | 4,709 |
| Memoranda: | ||
| Average total assets | $71,987,000 | 5,474 |
| Average earning assets | $65,672,250 | 5,467 |
| Average equity | $5,591,000 | 5,979 |
| Average total loans | $45,402,000 | 5,190 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 4,859 |
| Cost of funding earning assets | 0.3600% | 5,316 |
| Net interest margin | 3.4306% | 4,071 |
| Noninterest income to average assets | 0.4592% | 4,099 |
| Noninterest expense to average assets | 2.8500% | 3,515 |
| Loan and lease loss provision to assets | 2.8093% | 26 |
| Net operating income to assets | -2.0812% | 6,853 |
| Return on assets (ROA) | -2.0621% | 6,856 |
| Pretax return on assets | -2.0486% | 6,849 |
| Return on Equity (ROE) | -26.7709% | 6,851 |
| Retained earnings to average equity (ytd only) | -28.8519% | 6,845 |
| Net charge-offs to loans | 3.3944% | 82 |
| Credit loss provision to net charge-offs | 133.0759% | 1,709 |
| Earnings coverage of net charge-offs (x) | 0.3514% | 4,423 |
| Efficiency ratio | 79.3495% | 2,250 |
| Assets per employee ($millions) | 2.9572% | 5,914 |
| Cash dividends to net income (ytd only)* | -7.7734% | 6,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 2,706 |
| Loan loss allowance to noncurrent loans | 128.6195% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.3465% | 3,080 |
| Noncurrent loans to loans | 1.3374% | 3,317 |
| Net loans and leases to total assets | 67.0940% | 2,398 |
| Net loans and leases to deposits | 74.5619% | 3,068 |
| Net loans and leases to core deposits | 74.5619% | 3,720 |
| Total domestic deposits to total assets | 89.9843% | 1,032 |
| Equity capital to assets | 8.2096% | 6,049 |
| Core capital (leverage) ratio | 7.7346% | 6,349 |
| Tier 1 risk-based capital ratio | 13.2265% | 4,976 |
| Total risk-based capital ratio | 14.4843% | 4,913 |
| Memoranda: | ||
| Average total assets | $73,613,000 | 5,470 |
| Average earning assets | $67,219,330 | 5,470 |
| Average equity | $5,670,330 | 6,001 |
| Average total loans | $45,780,670 | 5,197 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5639% | 5,547 |
| Cost of funding earning assets | 0.4153% | 4,960 |
| Net interest margin | 3.1486% | 5,098 |
| Noninterest income to average assets | 0.3954% | 4,494 |
| Noninterest expense to average assets | 2.6499% | 4,242 |
| Loan and lease loss provision to assets | 5.1251% | 10 |
| Net operating income to assets | -4.5243% | 6,991 |
| Return on assets (ROA) | -4.5243% | 6,991 |
| Pretax return on assets | -4.4986% | 6,990 |
| Return on Equity (ROE) | -60.3942% | 6,979 |
| Retained earnings to average equity (ytd only) | -64.4387% | 6,979 |
| Net charge-offs to loans | 6.6460% | 29 |
| Credit loss provision to net charge-offs | 129.2746% | 1,526 |
| Earnings coverage of net charge-offs (x) | 0.1580% | 3,761 |
| Efficiency ratio | 80.8777% | 2,198 |
| Assets per employee ($millions) | 3.4020% | 5,198 |
| Cash dividends to net income (ytd only)* | -6.6969% | 6,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 3,321 |
| Loan loss allowance to noncurrent loans | 81.9911% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.5029% | 2,999 |
| Noncurrent loans to loans | 1.9745% | 2,644 |
| Net loans and leases to total assets | 56.9287% | 3,939 |
| Net loans and leases to deposits | 66.8192% | 3,933 |
| Net loans and leases to core deposits | 66.8192% | 4,430 |
| Total domestic deposits to total assets | 85.1982% | 3,946 |
| Equity capital to assets | 6.8463% | 6,739 |
| Core capital (leverage) ratio | 6.8263% | 6,689 |
| Tier 1 risk-based capital ratio | 12.2663% | 5,743 |
| Total risk-based capital ratio | 13.5210% | 5,694 |
| Memoranda: | ||
| Average total assets | $77,890,500 | 5,420 |
| Average earning assets | $71,270,500 | 5,401 |
| Average equity | $5,835,000 | 6,020 |
| Average total loans | $46,464,000 | 5,200 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9448% | 5,456 |
| Cost of funding earning assets | 0.5258% | 5,023 |
| Net interest margin | 3.4190% | 4,820 |
| Noninterest income to average assets | 0.4555% | 4,215 |
| Noninterest expense to average assets | 2.7564% | 4,191 |
| Loan and lease loss provision to assets | 0.1909% | 3,254 |
| Net operating income to assets | 0.6411% | 4,032 |
| Return on assets (ROA) | 0.6529% | 4,241 |
| Pretax return on assets | 0.6529% | 4,817 |
| Return on Equity (ROE) | 7.9510% | 3,106 |
| Retained earnings to average equity (ytd only) | 2.3564% | 4,574 |
| Net charge-offs to loans | 0.0447% | 5,287 |
| Credit loss provision to net charge-offs | 690.4762% | 356 |
| Earnings coverage of net charge-offs (x) | 30.0952% | 1,010 |
| Efficiency ratio | 76.8158% | 2,622 |
| Assets per employee ($millions) | 3.3710% | 5,281 |
| Cash dividends to net income (ytd only)* | 70.3629% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 5,702 |
| Loan loss allowance to noncurrent loans | 74.2313% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2846% | 3,505 |
| Noncurrent loans to loans | 1.4334% | 3,445 |
| Net loans and leases to total assets | 60.8030% | 3,454 |
| Net loans and leases to deposits | 73.1353% | 3,234 |
| Net loans and leases to core deposits | 73.1353% | 3,903 |
| Total domestic deposits to total assets | 83.1377% | 4,661 |
| Equity capital to assets | 8.1422% | 6,327 |
| Core capital (leverage) ratio | 8.0083% | 6,187 |
| Tier 1 risk-based capital ratio | 13.6483% | 4,642 |
| Total risk-based capital ratio | 14.7454% | 4,707 |
| Memoranda: | ||
| Average total assets | $75,967,400 | 5,460 |
| Average earning assets | $69,610,000 | 5,446 |
| Average equity | $6,238,200 | 5,955 |
| Average total loans | $46,997,800 | 5,212 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 5,583 |
| Cost of funding earning assets | 0.5382% | 5,180 |
| Net interest margin | 3.4368% | 4,891 |
| Noninterest income to average assets | 0.4534% | 4,266 |
| Noninterest expense to average assets | 2.7662% | 4,108 |
| Loan and lease loss provision to assets | 0.2029% | 3,050 |
| Net operating income to assets | 0.6386% | 4,199 |
| Return on assets (ROA) | 0.6545% | 4,386 |
| Pretax return on assets | 0.6545% | 4,993 |
| Return on Equity (ROE) | 7.9532% | 3,303 |
| Retained earnings to average equity (ytd only) | 2.2938% | 5,187 |
| Net charge-offs to loans | 0.0313% | 5,206 |
| Credit loss provision to net charge-offs | 1,045.4545% | 269 |
| Earnings coverage of net charge-offs (x) | 43.3524% | 830 |
| Efficiency ratio | 76.6748% | 2,571 |
| Assets per employee ($millions) | 3.4033% | 5,200 |
| Cash dividends to net income (ytd only)* | 71.1594% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 5,891 |
| Loan loss allowance to noncurrent loans | 63.6601% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 3,683 |
| Noncurrent loans to loans | 1.6506% | 3,316 |
| Net loans and leases to total assets | 58.5855% | 4,028 |
| Net loans and leases to deposits | 70.2637% | 3,861 |
| Net loans and leases to core deposits | 70.8707% | 4,392 |
| Total domestic deposits to total assets | 83.3795% | 4,492 |
| Equity capital to assets | 8.0305% | 6,573 |
| Core capital (leverage) ratio | 8.1064% | 6,223 |
| Tier 1 risk-based capital ratio | 14.0629% | 4,483 |
| Total risk-based capital ratio | 15.1557% | 4,563 |
| Memoranda: | ||
| Average total assets | $75,575,750 | 5,529 |
| Average earning assets | $69,365,500 | 5,514 |
| Average equity | $6,219,500 | 6,030 |
| Average total loans | $46,834,750 | 5,279 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 5,521 |
| Cost of funding earning assets | 0.5581% | 5,245 |
| Net interest margin | 3.4799% | 4,763 |
| Noninterest income to average assets | 0.4633% | 4,180 |
| Noninterest expense to average assets | 2.7881% | 4,056 |
| Loan and lease loss provision to assets | 0.2410% | 2,651 |
| Net operating income to assets | 0.6240% | 4,253 |
| Return on assets (ROA) | 0.6481% | 4,373 |
| Pretax return on assets | 0.6481% | 4,970 |
| Return on Equity (ROE) | 7.8098% | 3,342 |
| Retained earnings to average equity (ytd only) | 1.2909% | 5,549 |
| Net charge-offs to loans | -0.0128% | 6,331 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3196% | 2,698 |
| Assets per employee ($millions) | 3.2423% | 5,571 |
| Cash dividends to net income (ytd only)* | 83.4711% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 6,033 |
| Loan loss allowance to noncurrent loans | 47.7912% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 1.3772% | 3,675 |
| Noncurrent loans to loans | 2.1548% | 2,758 |
| Net loans and leases to total assets | 61.3431% | 3,566 |
| Net loans and leases to deposits | 74.2594% | 3,247 |
| Net loans and leases to core deposits | 74.6508% | 3,940 |
| Total domestic deposits to total assets | 82.6065% | 4,905 |
| Equity capital to assets | 8.3367% | 6,346 |
| Core capital (leverage) ratio | 8.3104% | 5,895 |
| Tier 1 risk-based capital ratio | 13.8461% | 4,557 |
| Total risk-based capital ratio | 14.9091% | 4,668 |
| Memoranda: | ||
| Average total assets | $74,675,330 | 5,586 |
| Average earning assets | $68,450,670 | 5,574 |
| Average equity | $6,197,330 | 6,063 |
| Average total loans | $46,997,670 | 5,304 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 5,442 |
| Cost of funding earning assets | 0.5837% | 5,259 |
| Net interest margin | 3.5198% | 4,595 |
| Noninterest income to average assets | 0.4871% | 4,005 |
| Noninterest expense to average assets | 2.7889% | 4,079 |
| Loan and lease loss provision to assets | 0.2944% | 2,120 |
| Net operating income to assets | 0.6316% | 4,213 |
| Return on assets (ROA) | 0.6423% | 4,363 |
| Pretax return on assets | 0.6423% | 4,964 |
| Return on Equity (ROE) | 7.7576% | 3,382 |
| Retained earnings to average equity (ytd only) | 1.8101% | 5,341 |
| Net charge-offs to loans | -0.0169% | 6,119 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0720% | 2,926 |
| Assets per employee ($millions) | 3.2941% | 5,581 |
| Cash dividends to net income (ytd only)* | 76.6667% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 6,403 |
| Loan loss allowance to noncurrent loans | 60.9418% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 4,600 |
| Noncurrent loans to loans | 1.5662% | 3,764 |
| Net loans and leases to total assets | 60.2634% | 3,606 |
| Net loans and leases to deposits | 72.6807% | 3,326 |
| Net loans and leases to core deposits | 73.0844% | 4,005 |
| Total domestic deposits to total assets | 82.9154% | 4,962 |
| Equity capital to assets | 8.1833% | 6,374 |
| Core capital (leverage) ratio | 8.3510% | 5,806 |
| Tier 1 risk-based capital ratio | 13.8760% | 4,548 |
| Total risk-based capital ratio | 14.8627% | 4,728 |
| Memoranda: | ||
| Average total assets | $74,726,000 | 5,627 |
| Average earning assets | $68,526,000 | 5,612 |
| Average equity | $6,187,500 | 6,098 |
| Average total loans | $47,385,500 | 5,324 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 5,590 |
| Cost of funding earning assets | 0.8006% | 4,868 |
| Net interest margin | 3.5549% | 4,909 |
| Noninterest income to average assets | 0.3642% | 4,900 |
| Noninterest expense to average assets | 2.7985% | 4,351 |
| Loan and lease loss provision to assets | 0.3470% | 2,925 |
| Net operating income to assets | 0.4935% | 4,456 |
| Return on assets (ROA) | 0.5462% | 4,441 |
| Pretax return on assets | 0.5462% | 4,853 |
| Return on Equity (ROE) | 6.8326% | 3,474 |
| Retained earnings to average equity (ytd only) | 1.0727% | 5,357 |
| Net charge-offs to loans | 0.9903% | 1,756 |
| Credit loss provision to net charge-offs | 55.2521% | 5,295 |
| Earnings coverage of net charge-offs (x) | 1.3382% | 4,770 |
| Efficiency ratio | 76.9036% | 2,756 |
| Assets per employee ($millions) | 3.0703% | 5,953 |
| Cash dividends to net income (ytd only)* | 84.2995% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 6,769 |
| Loan loss allowance to noncurrent loans | 79.4606% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 5,348 |
| Noncurrent loans to loans | 0.9903% | 4,724 |
| Net loans and leases to total assets | 65.5331% | 2,872 |
| Net loans and leases to deposits | 80.9895% | 2,362 |
| Net loans and leases to core deposits | 81.4966% | 3,245 |
| Total domestic deposits to total assets | 80.9155% | 5,473 |
| Equity capital to assets | 8.3799% | 6,271 |
| Core capital (leverage) ratio | 8.1103% | 6,128 |
| Tier 1 risk-based capital ratio | 12.8989% | 5,156 |
| Total risk-based capital ratio | 13.7009% | 5,474 |
| Memoranda: | ||
| Average total assets | $75,791,400 | 5,582 |
| Average earning assets | $69,819,600 | 5,544 |
| Average equity | $6,059,200 | 6,141 |
| Average total loans | $48,068,600 | 5,344 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 5,759 |
| Cost of funding earning assets | 0.8367% | 4,884 |
| Net interest margin | 3.5171% | 5,115 |
| Noninterest income to average assets | 0.3284% | 5,238 |
| Noninterest expense to average assets | 2.8075% | 4,314 |
| Loan and lease loss provision to assets | 0.2778% | 3,294 |
| Net operating income to assets | 0.4892% | 4,585 |
| Return on assets (ROA) | 0.5591% | 4,445 |
| Pretax return on assets | 0.5591% | 4,937 |
| Return on Equity (ROE) | 7.0753% | 3,490 |
| Retained earnings to average equity (ytd only) | 0.9950% | 5,610 |
| Net charge-offs to loans | 0.5871% | 2,496 |
| Credit loss provision to net charge-offs | 75.3555% | 4,300 |
| Earnings coverage of net charge-offs (x) | 2.0805% | 4,103 |
| Efficiency ratio | 78.5435% | 2,471 |
| Assets per employee ($millions) | 3.1519% | 5,784 |
| Cash dividends to net income (ytd only)* | 85.9373% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 5,794 |
| Loan loss allowance to noncurrent loans | 128.0000% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 5,733 |
| Noncurrent loans to loans | 0.8780% | 5,100 |
| Net loans and leases to total assets | 60.7401% | 3,998 |
| Net loans and leases to deposits | 72.7452% | 3,840 |
| Net loans and leases to core deposits | 73.1566% | 4,568 |
| Total domestic deposits to total assets | 83.4970% | 4,480 |
| Equity capital to assets | 7.8098% | 6,800 |
| Core capital (leverage) ratio | 8.0137% | 6,383 |
| Tier 1 risk-based capital ratio | 12.7850% | 5,262 |
| Total risk-based capital ratio | 13.9178% | 5,333 |
| Memoranda: | ||
| Average total assets | $76,317,250 | 5,601 |
| Average earning assets | $70,435,250 | 5,569 |
| Average equity | $6,030,250 | 6,195 |
| Average total loans | $47,917,500 | 5,390 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 5,617 |
| Cost of funding earning assets | 0.8841% | 4,801 |
| Net interest margin | 3.5365% | 4,990 |
| Noninterest income to average assets | 0.3842% | 4,804 |
| Noninterest expense to average assets | 2.8374% | 4,280 |
| Loan and lease loss provision to assets | 0.2888% | 3,078 |
| Net operating income to assets | 0.5219% | 4,407 |
| Return on assets (ROA) | 0.5829% | 4,271 |
| Pretax return on assets | 0.5829% | 4,800 |
| Return on Equity (ROE) | 7.3468% | 3,270 |
| Retained earnings to average equity (ytd only) | 1.2022% | 5,375 |
| Net charge-offs to loans | 0.1215% | 4,501 |
| Credit loss provision to net charge-offs | 375.8621% | 804 |
| Earnings coverage of net charge-offs (x) | 10.5517% | 1,792 |
| Efficiency ratio | 77.7778% | 2,742 |
| Assets per employee ($millions) | 3.1793% | 5,679 |
| Cash dividends to net income (ytd only)* | 83.6364% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 4,517 |
| Loan loss allowance to noncurrent loans | 109.3851% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 4,804 |
| Noncurrent loans to loans | 1.2894% | 4,510 |
| Net loans and leases to total assets | 61.9273% | 3,900 |
| Net loans and leases to deposits | 74.8432% | 3,667 |
| Net loans and leases to core deposits | 75.2832% | 4,401 |
| Total domestic deposits to total assets | 82.7427% | 4,884 |
| Equity capital to assets | 7.9812% | 6,694 |
| Core capital (leverage) ratio | 8.1487% | 6,102 |
| Tier 1 risk-based capital ratio | 12.8328% | 5,065 |
| Total risk-based capital ratio | 14.0845% | 5,040 |
| Memoranda: | ||
| Average total assets | $75,490,330 | 5,672 |
| Average earning assets | $69,673,000 | 5,641 |
| Average equity | $5,989,000 | 6,234 |
| Average total loans | $47,754,670 | 5,449 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 5,671 |
| Cost of funding earning assets | 0.9261% | 4,740 |
| Net interest margin | 3.4799% | 5,100 |
| Noninterest income to average assets | 0.3942% | 4,748 |
| Noninterest expense to average assets | 2.8022% | 4,428 |
| Loan and lease loss provision to assets | 0.3676% | 2,361 |
| Net operating income to assets | 0.4475% | 4,729 |
| Return on assets (ROA) | 0.4475% | 4,813 |
| Pretax return on assets | 0.4475% | 5,196 |
| Return on Equity (ROE) | 5.6580% | 4,083 |
| Retained earnings to average equity (ytd only) | -0.5389% | 5,893 |
| Net charge-offs to loans | 0.0420% | 4,524 |
| Credit loss provision to net charge-offs | 1,380.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 30.6000% | 819 |
| Efficiency ratio | 77.4669% | 2,920 |
| Assets per employee ($millions) | 3.2820% | 5,521 |
| Cash dividends to net income (ytd only)* | 109.5238% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 4,567 |
| Loan loss allowance to noncurrent loans | 117.2291% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 4,804 |
| Noncurrent loans to loans | 1.2111% | 4,661 |
| Net loans and leases to total assets | 60.7093% | 4,130 |
| Net loans and leases to deposits | 73.2178% | 3,887 |
| Net loans and leases to core deposits | 74.5773% | 4,477 |
| Total domestic deposits to total assets | 82.9160% | 4,964 |
| Equity capital to assets | 7.8359% | 6,648 |
| Core capital (leverage) ratio | 8.0893% | 6,145 |
| Tier 1 risk-based capital ratio | 12.5503% | 5,222 |
| Total risk-based capital ratio | 13.8018% | 5,194 |
| Memoranda: | ||
| Average total assets | $75,083,500 | 5,724 |
| Average earning assets | $69,541,500 | 5,689 |
| Average equity | $5,938,500 | 6,270 |
| Average total loans | $47,667,500 | 5,491 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 4,897 |
| Cost of funding earning assets | 1.5107% | 2,571 |
| Net interest margin | 3.4154% | 5,570 |
| Noninterest income to average assets | 0.4533% | 4,491 |
| Noninterest expense to average assets | 2.9125% | 4,173 |
| Loan and lease loss provision to assets | 0.1126% | 6,032 |
| Net operating income to assets | 0.4872% | 4,159 |
| Return on assets (ROA) | 0.5076% | 4,220 |
| Pretax return on assets | 0.5076% | 4,593 |
| Return on Equity (ROE) | 6.2238% | 3,500 |
| Retained earnings to average equity (ytd only) | 2.5627% | 4,072 |
| Net charge-offs to loans | 0.1831% | 5,209 |
| Credit loss provision to net charge-offs | 91.2088% | 5,073 |
| Earnings coverage of net charge-offs (x) | 4.8571% | 2,780 |
| Efficiency ratio | 82.9212% | 2,061 |
| Assets per employee ($millions) | 3.2470% | 5,544 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 5,413 |
| Loan loss allowance to noncurrent loans | 105.1146% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.1328% | 4,744 |
| Noncurrent loans to loans | 1.1607% | 4,783 |
| Net loans and leases to total assets | 64.6108% | 3,746 |
| Net loans and leases to deposits | 79.2615% | 3,297 |
| Net loans and leases to core deposits | 80.1222% | 4,192 |
| Total domestic deposits to total assets | 81.5160% | 5,351 |
| Equity capital to assets | 7.9833% | 6,510 |
| Core capital (leverage) ratio | 7.8866% | 6,336 |
| Tier 1 risk-based capital ratio | 12.2791% | 5,228 |
| Total risk-based capital ratio | 13.4799% | 5,239 |
| Memoranda: | ||
| Average total assets | $73,682,800 | 5,769 |
| Average earning assets | $65,995,800 | 5,799 |
| Average equity | $6,009,200 | 6,362 |
| Average total loans | $49,703,200 | 5,496 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 4,745 |
| Cost of funding earning assets | 1.6296% | 2,218 |
| Net interest margin | 3.3842% | 5,733 |
| Noninterest income to average assets | 0.4557% | 4,516 |
| Noninterest expense to average assets | 2.9777% | 3,830 |
| Loan and lease loss provision to assets | 0.0436% | 6,655 |
| Net operating income to assets | 0.4321% | 4,619 |
| Return on assets (ROA) | 0.4594% | 4,672 |
| Pretax return on assets | 0.4594% | 5,047 |
| Return on Equity (ROE) | 5.6024% | 4,003 |
| Retained earnings to average equity (ytd only) | 3.3217% | 4,114 |
| Net charge-offs to loans | 0.1763% | 4,900 |
| Credit loss provision to net charge-offs | 36.3636% | 6,075 |
| Earnings coverage of net charge-offs (x) | 3.9695% | 3,233 |
| Efficiency ratio | 86.2250% | 1,609 |
| Assets per employee ($millions) | 3.3523% | 5,320 |
| Cash dividends to net income (ytd only)* | 40.7121% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 5,749 |
| Loan loss allowance to noncurrent loans | 127.7273% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.9390% | 5,219 |
| Noncurrent loans to loans | 0.8936% | 5,455 |
| Net loans and leases to total assets | 63.1345% | 4,296 |
| Net loans and leases to deposits | 76.6703% | 4,058 |
| Net loans and leases to core deposits | 78.1863% | 4,784 |
| Total domestic deposits to total assets | 82.3455% | 4,855 |
| Equity capital to assets | 7.9635% | 6,830 |
| Core capital (leverage) ratio | 8.1546% | 6,110 |
| Tier 1 risk-based capital ratio | 12.1057% | 5,361 |
| Total risk-based capital ratio | 13.2227% | 5,453 |
| Memoranda: | ||
| Average total assets | $73,433,250 | 5,842 |
| Average earning assets | $65,046,000 | 5,890 |
| Average equity | $6,021,000 | 6,437 |
| Average total loans | $49,917,000 | 5,569 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0630% | 4,648 |
| Cost of funding earning assets | 1.7705% | 1,765 |
| Net interest margin | 3.2925% | 6,038 |
| Noninterest income to average assets | 0.5013% | 4,108 |
| Noninterest expense to average assets | 3.0411% | 3,552 |
| Loan and lease loss provision to assets | 0.0554% | 6,402 |
| Net operating income to assets | 0.3407% | 5,017 |
| Return on assets (ROA) | 0.3434% | 5,168 |
| Pretax return on assets | 0.3434% | 5,389 |
| Return on Equity (ROE) | 4.1462% | 4,714 |
| Retained earnings to average equity (ytd only) | 2.4409% | 4,601 |
| Net charge-offs to loans | 0.2513% | 4,088 |
| Credit loss provision to net charge-offs | 31.7460% | 5,706 |
| Earnings coverage of net charge-offs (x) | 2.2698% | 3,869 |
| Efficiency ratio | 88.4770% | 1,461 |
| Assets per employee ($millions) | 3.2245% | 5,622 |
| Cash dividends to net income (ytd only)* | 41.1290% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 5,580 |
| Loan loss allowance to noncurrent loans | 139.9002% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.9560% | 5,223 |
| Noncurrent loans to loans | 0.8392% | 5,602 |
| Net loans and leases to total assets | 63.6751% | 4,321 |
| Net loans and leases to deposits | 77.5499% | 4,072 |
| Net loans and leases to core deposits | 78.4699% | 4,872 |
| Total domestic deposits to total assets | 82.1086% | 4,938 |
| Equity capital to assets | 8.1738% | 6,573 |
| Core capital (leverage) ratio | 8.2450% | 5,864 |
| Tier 1 risk-based capital ratio | 12.7548% | 4,644 |
| Total risk-based capital ratio | 13.9446% | 4,664 |
| Memoranda: | ||
| Average total assets | $72,210,330 | 5,912 |
| Average earning assets | $64,388,670 | 5,949 |
| Average equity | $5,981,330 | 6,471 |
| Average total loans | $50,142,670 | 5,602 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 4,472 |
| Cost of funding earning assets | 1.8342% | 1,727 |
| Net interest margin | 3.2781% | 6,055 |
| Noninterest income to average assets | 0.5110% | 3,966 |
| Noninterest expense to average assets | 3.0940% | 3,286 |
| Loan and lease loss provision to assets | 0.0281% | 6,397 |
| Net operating income to assets | 0.3594% | 5,027 |
| Return on assets (ROA) | 0.3706% | 5,096 |
| Pretax return on assets | 0.3706% | 5,380 |
| Return on Equity (ROE) | 4.4437% | 4,686 |
| Retained earnings to average equity (ytd only) | 2.6931% | 4,527 |
| Net charge-offs to loans | 0.2260% | 3,570 |
| Credit loss provision to net charge-offs | 17.2414% | 4,975 |
| Earnings coverage of net charge-offs (x) | 2.3793% | 3,349 |
| Efficiency ratio | 88.8710% | 1,514 |
| Assets per employee ($millions) | 2.9315% | 6,378 |
| Cash dividends to net income (ytd only)* | 39.3939% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,523 |
| Loan loss allowance to noncurrent loans | 81.6901% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6431% | 4,018 |
| Noncurrent loans to loans | 1.4655% | 4,544 |
| Net loans and leases to total assets | 68.0378% | 3,379 |
| Net loans and leases to deposits | 82.3635% | 3,222 |
| Net loans and leases to core deposits | 83.3836% | 4,283 |
| Total domestic deposits to total assets | 82.6068% | 4,795 |
| Equity capital to assets | 8.4969% | 6,005 |
| Core capital (leverage) ratio | 8.3531% | 5,635 |
| Tier 1 risk-based capital ratio | 12.4544% | 4,788 |
| Total risk-based capital ratio | 13.6622% | 4,776 |
| Memoranda: | ||
| Average total assets | $71,233,500 | 6,015 |
| Average earning assets | $64,550,500 | 6,014 |
| Average equity | $5,941,000 | 6,541 |
| Average total loans | $51,321,500 | 5,618 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6063% | 3,570 |
| Cost of funding earning assets | 2.0440% | 2,750 |
| Net interest margin | 3.5624% | 4,684 |
| Noninterest income to average assets | 0.5125% | 4,313 |
| Noninterest expense to average assets | 2.9870% | 4,200 |
| Loan and lease loss provision to assets | 0.2088% | 5,672 |
| Net operating income to assets | 0.6101% | 3,292 |
| Return on assets (ROA) | 0.6101% | 3,363 |
| Pretax return on assets | 0.6156% | 3,863 |
| Return on Equity (ROE) | 7.5291% | 2,572 |
| Retained earnings to average equity (ytd only) | 1.6062% | 3,958 |
| Net charge-offs to loans | 0.2004% | 5,391 |
| Credit loss provision to net charge-offs | 142.5926% | 3,386 |
| Earnings coverage of net charge-offs (x) | 5.6296% | 2,540 |
| Efficiency ratio | 78.3707% | 3,133 |
| Assets per employee ($millions) | 3.0047% | 6,214 |
| Cash dividends to net income (ytd only)* | 78.6667% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 5,832 |
| Loan loss allowance to noncurrent loans | 103.2479% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.2009% | 4,699 |
| Noncurrent loans to loans | 1.0794% | 5,161 |
| Net loans and leases to total assets | 74.3163% | 2,191 |
| Net loans and leases to deposits | 90.6141% | 2,120 |
| Net loans and leases to core deposits | 102.7671% | 3,714 |
| Total domestic deposits to total assets | 82.0141% | 4,945 |
| Equity capital to assets | 8.1873% | 6,359 |
| Core capital (leverage) ratio | 8.1016% | 5,990 |
| Tier 1 risk-based capital ratio | 11.1188% | 5,811 |
| Total risk-based capital ratio | 12.2492% | 5,883 |
| Memoranda: | ||
| Average total assets | $73,752,800 | 5,895 |
| Average earning assets | $68,297,600 | 5,858 |
| Average equity | $5,976,800 | 6,611 |
| Average total loans | $53,895,400 | 5,512 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6630% | 3,510 |
| Cost of funding earning assets | 2.0798% | 2,986 |
| Net interest margin | 3.5833% | 4,544 |
| Noninterest income to average assets | 0.4908% | 4,568 |
| Noninterest expense to average assets | 2.9843% | 4,109 |
| Loan and lease loss provision to assets | 0.2679% | 4,821 |
| Net operating income to assets | 0.5534% | 3,779 |
| Return on assets (ROA) | 0.6975% | 3,277 |
| Pretax return on assets | 0.7047% | 3,836 |
| Return on Equity (ROE) | 8.6292% | 2,399 |
| Retained earnings to average equity (ytd only) | 2.4687% | 3,948 |
| Net charge-offs to loans | 0.1660% | 5,057 |
| Credit loss provision to net charge-offs | 222.3881% | 1,964 |
| Earnings coverage of net charge-offs (x) | 6.8658% | 2,526 |
| Efficiency ratio | 78.3019% | 3,115 |
| Assets per employee ($millions) | 2.9866% | 6,194 |
| Cash dividends to net income (ytd only)* | 71.3910% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 5,264 |
| Loan loss allowance to noncurrent loans | 367.8161% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 5,635 |
| Noncurrent loans to loans | 0.3195% | 6,720 |
| Net loans and leases to total assets | 72.0869% | 3,018 |
| Net loans and leases to deposits | 87.8184% | 3,002 |
| Net loans and leases to core deposits | 102.2318% | 4,133 |
| Total domestic deposits to total assets | 82.0864% | 4,642 |
| Equity capital to assets | 8.0119% | 6,839 |
| Core capital (leverage) ratio | 8.0806% | 6,217 |
| Tier 1 risk-based capital ratio | 10.9594% | 5,991 |
| Total risk-based capital ratio | 12.1369% | 6,028 |
| Memoranda: | ||
| Average total assets | $74,163,000 | 5,928 |
| Average earning assets | $68,724,500 | 5,893 |
| Average equity | $5,995,000 | 6,665 |
| Average total loans | $53,820,500 | 5,563 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7717% | 3,188 |
| Cost of funding earning assets | 2.1289% | 3,136 |
| Net interest margin | 3.6428% | 4,205 |
| Noninterest income to average assets | 0.5108% | 4,352 |
| Noninterest expense to average assets | 2.9623% | 4,242 |
| Loan and lease loss provision to assets | 0.3027% | 4,142 |
| Net operating income to assets | 0.5985% | 3,681 |
| Return on assets (ROA) | 0.7163% | 3,288 |
| Pretax return on assets | 0.7271% | 3,914 |
| Return on Equity (ROE) | 8.8343% | 2,418 |
| Retained earnings to average equity (ytd only) | 2.5336% | 3,919 |
| Net charge-offs to loans | 0.1977% | 4,298 |
| Credit loss provision to net charge-offs | 211.3208% | 2,169 |
| Earnings coverage of net charge-offs (x) | 6.3585% | 2,638 |
| Efficiency ratio | 76.4829% | 3,599 |
| Assets per employee ($millions) | 2.9378% | 6,296 |
| Cash dividends to net income (ytd only)* | 71.3208% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 5,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 5,315 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 70.9896% | 3,467 |
| Net loans and leases to deposits | 86.2144% | 3,509 |
| Net loans and leases to core deposits | 101.2585% | 4,371 |
| Total domestic deposits to total assets | 82.3408% | 4,550 |
| Equity capital to assets | 8.0957% | 6,636 |
| Core capital (leverage) ratio | 8.0341% | 6,266 |
| Tier 1 risk-based capital ratio | 11.5419% | 5,339 |
| Total risk-based capital ratio | 12.7446% | 5,307 |
| Memoranda: | ||
| Average total assets | $73,996,000 | 5,978 |
| Average earning assets | $68,299,000 | 5,940 |
| Average equity | $5,999,330 | 6,716 |
| Average total loans | $53,606,330 | 5,610 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8342% | 3,123 |
| Cost of funding earning assets | 2.2025% | 3,155 |
| Net interest margin | 3.6317% | 4,182 |
| Noninterest income to average assets | 0.4901% | 4,409 |
| Noninterest expense to average assets | 2.8221% | 4,466 |
| Loan and lease loss provision to assets | 0.3501% | 3,217 |
| Net operating income to assets | 0.6402% | 3,839 |
| Return on assets (ROA) | 0.7917% | 3,327 |
| Pretax return on assets | 0.8132% | 4,029 |
| Return on Equity (ROE) | 9.7577% | 2,425 |
| Retained earnings to average equity (ytd only) | 2.9207% | 4,244 |
| Net charge-offs to loans | 0.3109% | 2,861 |
| Credit loss provision to net charge-offs | 154.7619% | 2,706 |
| Earnings coverage of net charge-offs (x) | 4.4524% | 2,880 |
| Efficiency ratio | 73.6990% | 3,875 |
| Assets per employee ($millions) | 2.9300% | 6,345 |
| Cash dividends to net income (ytd only)* | 70.0680% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 5,597 |
| Loan loss allowance to noncurrent loans | 245.1477% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0894% | 4,506 |
| Noncurrent loans to loans | 0.4417% | 6,321 |
| Net loans and leases to total assets | 72.4645% | 3,135 |
| Net loans and leases to deposits | 87.0808% | 3,455 |
| Net loans and leases to core deposits | 103.2966% | 4,213 |
| Total domestic deposits to total assets | 83.2152% | 4,037 |
| Equity capital to assets | 8.1774% | 6,564 |
| Core capital (leverage) ratio | 7.9873% | 6,472 |
| Tier 1 risk-based capital ratio | 11.3953% | 5,512 |
| Total risk-based capital ratio | 12.5196% | 5,538 |
| Memoranda: | ||
| Average total assets | $74,271,000 | 5,995 |
| Average earning assets | $68,287,000 | 5,973 |
| Average equity | $6,026,000 | 6,750 |
| Average total loans | $54,031,500 | 5,631 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1932% | 4,551 |
| Cost of funding earning assets | 2.7491% | 2,932 |
| Net interest margin | 3.4442% | 5,487 |
| Noninterest income to average assets | 0.4678% | 4,896 |
| Noninterest expense to average assets | 2.8080% | 4,790 |
| Loan and lease loss provision to assets | 0.1173% | 5,872 |
| Net operating income to assets | 0.7274% | 3,766 |
| Return on assets (ROA) | 0.8380% | 3,115 |
| Pretax return on assets | 0.8394% | 3,931 |
| Return on Equity (ROE) | 11.0176% | 1,898 |
| Retained earnings to average equity (ytd only) | 3.5859% | 2,912 |
| Net charge-offs to loans | 0.1318% | 4,901 |
| Credit loss provision to net charge-offs | 123.6111% | 4,340 |
| Earnings coverage of net charge-offs (x) | 8.9167% | 2,793 |
| Efficiency ratio | 76.8482% | 3,102 |
| Assets per employee ($millions) | 2.8958% | 6,323 |
| Cash dividends to net income (ytd only)* | 67.4528% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 5,813 |
| Loan loss allowance to noncurrent loans | 581.2500% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 4,964 |
| Noncurrent loans to loans | 0.1765% | 6,859 |
| Net loans and leases to total assets | 71.5132% | 3,687 |
| Net loans and leases to deposits | 87.1147% | 3,924 |
| Net loans and leases to core deposits | 102.4820% | 4,554 |
| Total domestic deposits to total assets | 82.0908% | 4,163 |
| Equity capital to assets | 8.0514% | 6,776 |
| Core capital (leverage) ratio | 7.7098% | 6,911 |
| Tier 1 risk-based capital ratio | 11.1321% | 5,614 |
| Total risk-based capital ratio | 12.1948% | 5,687 |
| Memoranda: | ||
| Average total assets | $75,891,600 | 5,842 |
| Average earning assets | $70,206,000 | 5,810 |
| Average equity | $5,772,600 | 6,886 |
| Average total loans | $54,621,400 | 5,507 |