Home > First Independent Bank > Performance and Condition Ratios
First Independent Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 3,662 |
| Cost of funding earning assets | 1.2029% | 2,794 |
| Net interest margin | 2.9763% | 3,338 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.4417% | 2,471 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.5705% | 3,513 |
| Return on assets (ROA) | 0.5705% | 3,502 |
| Pretax return on assets | 0.6978% | 3,442 |
| Return on Equity (ROE) | 6.6600% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.1316% | 2,566 |
| Net charge-offs to loans | 0.0426% | 1,472 |
| Credit loss provision to net charge-offs | 96.4286% | 1,882 |
| Earnings coverage of net charge-offs (x) | 32.6786% | 1,579 |
| Efficiency ratio | 77.2501% | 1,134 |
| Assets per employee ($millions) | 5.1381% | 3,526 |
| Cash dividends to net income (ytd only)* | 23.0028% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 1,653 |
| Loan loss allowance to noncurrent loans | 1,231.0811% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 1,939 |
| Noncurrent loans to loans | 0.1079% | 2,997 |
| Net loans and leases to total assets | 52.6800% | 3,442 |
| Net loans and leases to deposits | 59.7294% | 3,540 |
| Net loans and leases to core deposits | 64.7357% | 3,552 |
| Total domestic deposits to total assets | 88.1900% | 1,288 |
| Equity capital to assets | 9.2198% | 2,527 |
| Core capital (leverage) ratio | 11.3980% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $127,248,800 | 3,574 |
| Average earning assets | $120,620,600 | 3,539 |
| Average equity | $10,893,200 | 3,627 |
| Average total loans | $65,725,400 | 3,613 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,765 |
| Cost of funding earning assets | 1.0948% | 2,756 |
| Net interest margin | 2.9523% | 3,426 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.4839% | 2,287 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5178% | 3,725 |
| Return on assets (ROA) | 0.5178% | 3,714 |
| Pretax return on assets | 0.6249% | 3,694 |
| Return on Equity (ROE) | 6.1700% | 3,611 |
| Retained earnings to average equity (ytd only) | 4.0791% | 3,240 |
| Net charge-offs to loans | 0.0431% | 1,272 |
| Credit loss provision to net charge-offs | 104.7619% | 1,585 |
| Earnings coverage of net charge-offs (x) | 29.3810% | 1,600 |
| Efficiency ratio | 79.3092% | 905 |
| Assets per employee ($millions) | 4.5142% | 3,932 |
| Cash dividends to net income (ytd only)* | 33.8742% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 1,512 |
| Loan loss allowance to noncurrent loans | 310.2041% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 2,095 |
| Noncurrent loans to loans | 0.4462% | 1,709 |
| Net loans and leases to total assets | 51.4100% | 3,535 |
| Net loans and leases to deposits | 56.3637% | 3,696 |
| Net loans and leases to core deposits | 60.6785% | 3,672 |
| Total domestic deposits to total assets | 91.2100% | 624 |
| Equity capital to assets | 8.5191% | 2,718 |
| Core capital (leverage) ratio | 11.1769% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $126,948,000 | 3,596 |
| Average earning assets | $120,445,000 | 3,546 |
| Average equity | $10,655,750 | 3,657 |
| Average total loans | $65,012,750 | 3,634 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 3,849 |
| Cost of funding earning assets | 0.9821% | 2,660 |
| Net interest margin | 2.9281% | 3,596 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.4840% | 2,249 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.4971% | 3,817 |
| Return on assets (ROA) | 0.4971% | 3,821 |
| Pretax return on assets | 0.5994% | 3,805 |
| Return on Equity (ROE) | 5.9500% | 3,703 |
| Retained earnings to average equity (ytd only) | 2.8065% | 3,535 |
| Net charge-offs to loans | 0.0155% | 1,623 |
| Credit loss provision to net charge-offs | 380.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 1,052 |
| Efficiency ratio | 79.7878% | 856 |
| Assets per employee ($millions) | 4.5625% | 3,907 |
| Cash dividends to net income (ytd only)* | 52.8481% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,465 |
| Loan loss allowance to noncurrent loans | 1,864.0000% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 3,388 |
| Noncurrent loans to loans | 0.0761% | 3,140 |
| Net loans and leases to total assets | 50.7300% | 3,509 |
| Net loans and leases to deposits | 55.7799% | 3,660 |
| Net loans and leases to core deposits | 59.6292% | 3,654 |
| Total domestic deposits to total assets | 90.9600% | 661 |
| Equity capital to assets | 8.4406% | 2,912 |
| Core capital (leverage) ratio | 10.9096% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $127,131,333 | 3,600 |
| Average earning assets | $120,761,333 | 3,553 |
| Average equity | $10,618,333 | 3,665 |
| Average total loans | $64,719,667 | 3,642 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 3,960 |
| Cost of funding earning assets | 0.8389% | 2,572 |
| Net interest margin | 2.9047% | 3,785 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.5390% | 2,136 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.4289% | 4,038 |
| Return on assets (ROA) | 0.4289% | 3,987 |
| Pretax return on assets | 0.5046% | 3,981 |
| Return on Equity (ROE) | 5.1600% | 3,863 |
| Retained earnings to average equity (ytd only) | -1.1769% | 4,145 |
| Net charge-offs to loans | 0.0187% | 1,304 |
| Credit loss provision to net charge-offs | 600.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 59.3333% | 1,026 |
| Efficiency ratio | 81.8922% | 714 |
| Assets per employee ($millions) | 4.5616% | 3,980 |
| Cash dividends to net income (ytd only)* | 122.7941% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 1,487 |
| Loan loss allowance to noncurrent loans | 2,524.3243% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,494 |
| Noncurrent loans to loans | 0.0568% | 3,332 |
| Net loans and leases to total assets | 50.2700% | 3,472 |
| Net loans and leases to deposits | 55.9440% | 3,577 |
| Net loans and leases to core deposits | 59.5697% | 3,560 |
| Total domestic deposits to total assets | 89.8600% | 1,209 |
| Equity capital to assets | 8.6233% | 2,805 |
| Core capital (leverage) ratio | 10.9242% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $126,821,500 | 3,648 |
| Average earning assets | $120,634,000 | 3,601 |
| Average equity | $10,536,000 | 3,720 |
| Average total loans | $64,206,500 | 3,692 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2865% | 3,619 |
| Cost of funding earning assets | 0.3864% | 2,206 |
| Net interest margin | 2.9002% | 3,680 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.3267% | 2,651 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6148% | 3,848 |
| Return on assets (ROA) | 0.6148% | 3,794 |
| Pretax return on assets | 0.7610% | 3,716 |
| Return on Equity (ROE) | 7.2600% | 3,570 |
| Retained earnings to average equity (ytd only) | 5.7011% | 2,748 |
| Net charge-offs to loans | -0.0034% | 3,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.1707% | 1,202 |
| Assets per employee ($millions) | 4.6637% | 3,929 |
| Cash dividends to net income (ytd only)* | 21.4470% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 1,739 |
| Loan loss allowance to noncurrent loans | 515.2439% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 2,607 |
| Noncurrent loans to loans | 0.2592% | 2,234 |
| Net loans and leases to total assets | 49.5700% | 3,533 |
| Net loans and leases to deposits | 54.4661% | 3,655 |
| Net loans and leases to core deposits | 57.5615% | 3,639 |
| Total domestic deposits to total assets | 91.0200% | 948 |
| Equity capital to assets | 7.9877% | 3,062 |
| Core capital (leverage) ratio | 10.6995% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $125,885,600 | 3,680 |
| Average earning assets | $119,578,400 | 3,629 |
| Average equity | $10,664,600 | 3,795 |
| Average total loans | $59,223,200 | 3,745 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1145% | 3,270 |
| Cost of funding earning assets | 0.3451% | 1,317 |
| Net interest margin | 2.7694% | 3,530 |
| Noninterest income to average assets | 0.3871% | 2,831 |
| Noninterest expense to average assets | 2.3292% | 2,462 |
| Loan and lease loss provision to assets | 0.0350% | 1,950 |
| Net operating income to assets | 0.5337% | 3,813 |
| Return on assets (ROA) | 0.5337% | 3,764 |
| Pretax return on assets | 0.6564% | 3,694 |
| Return on Equity (ROE) | 5.9526% | 3,583 |
| Retained earnings to average equity (ytd only) | 3.0029% | 3,444 |
| Net charge-offs to loans | 0.1490% | 433 |
| Credit loss provision to net charge-offs | 51.1628% | 1,485 |
| Earnings coverage of net charge-offs (x) | 10.0930% | 1,765 |
| Efficiency ratio | 77.1097% | 1,165 |
| Assets per employee ($millions) | 5.1218% | 3,576 |
| Cash dividends to net income (ytd only)* | 49.5522% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,222 |
| Loan loss allowance to noncurrent loans | 853.9326% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,278 |
| Noncurrent loans to loans | 0.1514% | 2,939 |
| Net loans and leases to total assets | 45.3274% | 3,747 |
| Net loans and leases to deposits | 49.3479% | 3,844 |
| Net loans and leases to core deposits | 51.2400% | 3,861 |
| Total domestic deposits to total assets | 91.8528% | 904 |
| Equity capital to assets | 8.0425% | 3,091 |
| Core capital (leverage) ratio | 10.1869% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,538,667 | 3,749 |
| Average earning assets | $119,377,667 | 3,705 |
| Average equity | $11,255,667 | 3,856 |
| Average total loans | $57,736,333 | 3,830 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0188% | 3,199 |
| Cost of funding earning assets | 0.3486% | 1,219 |
| Net interest margin | 2.6702% | 3,476 |
| Noninterest income to average assets | 0.3991% | 2,695 |
| Noninterest expense to average assets | 2.3945% | 2,190 |
| Loan and lease loss provision to assets | 0.0579% | 1,356 |
| Net operating income to assets | 0.3926% | 3,969 |
| Return on assets (ROA) | 0.3926% | 3,937 |
| Pretax return on assets | 0.4860% | 3,888 |
| Return on Equity (ROE) | 4.1587% | 3,834 |
| Retained earnings to average equity (ytd only) | -1.4999% | 4,197 |
| Net charge-offs to loans | 0.2587% | 249 |
| Credit loss provision to net charge-offs | 48.6486% | 1,202 |
| Earnings coverage of net charge-offs (x) | 4.5676% | 1,619 |
| Efficiency ratio | 81.4896% | 1,028 |
| Assets per employee ($millions) | 4.6416% | 4,046 |
| Cash dividends to net income (ytd only)* | 136.0656% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,284 |
| Loan loss allowance to noncurrent loans | 1,028.3784% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 2,883 |
| Noncurrent loans to loans | 0.1278% | 3,173 |
| Net loans and leases to total assets | 45.6065% | 3,614 |
| Net loans and leases to deposits | 50.0499% | 3,729 |
| Net loans and leases to core deposits | 52.0248% | 3,735 |
| Total domestic deposits to total assets | 91.1221% | 968 |
| Equity capital to assets | 8.7519% | 2,933 |
| Core capital (leverage) ratio | 10.2191% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,286,000 | 3,781 |
| Average earning assets | $118,194,000 | 3,738 |
| Average equity | $11,734,500 | 3,885 |
| Average total loans | $57,205,000 | 3,845 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5031% | 2,651 |
| Cost of funding earning assets | 0.4273% | 1,347 |
| Net interest margin | 3.0758% | 2,983 |
| Noninterest income to average assets | 0.3973% | 3,063 |
| Noninterest expense to average assets | 2.1676% | 3,182 |
| Loan and lease loss provision to assets | 0.0830% | 1,483 |
| Net operating income to assets | 0.8457% | 3,200 |
| Return on assets (ROA) | 0.8457% | 3,267 |
| Pretax return on assets | 1.0788% | 3,037 |
| Return on Equity (ROE) | 8.1863% | 3,164 |
| Retained earnings to average equity (ytd only) | 6.8963% | 1,963 |
| Net charge-offs to loans | 0.0907% | 913 |
| Credit loss provision to net charge-offs | 198.0000% | 1,311 |
| Earnings coverage of net charge-offs (x) | 27.7200% | 1,670 |
| Efficiency ratio | 65.1057% | 2,383 |
| Assets per employee ($millions) | 4.9300% | 3,796 |
| Cash dividends to net income (ytd only)* | 15.7582% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 1,998 |
| Loan loss allowance to noncurrent loans | 285.7143% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 2,452 |
| Noncurrent loans to loans | 0.4832% | 1,918 |
| Net loans and leases to total assets | 45.2041% | 3,748 |
| Net loans and leases to deposits | 50.3470% | 3,860 |
| Net loans and leases to core deposits | 52.1028% | 3,886 |
| Total domestic deposits to total assets | 89.7850% | 1,071 |
| Equity capital to assets | 10.1428% | 2,527 |
| Core capital (leverage) ratio | 10.3704% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,303,400 | 3,811 |
| Average earning assets | $113,726,600 | 3,765 |
| Average equity | $12,325,400 | 3,899 |
| Average total loans | $55,149,000 | 3,911 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 2,411 |
| Cost of funding earning assets | 0.4419% | 1,407 |
| Net interest margin | 3.2105% | 2,699 |
| Noninterest income to average assets | 0.3595% | 3,305 |
| Noninterest expense to average assets | 2.1377% | 3,256 |
| Loan and lease loss provision to assets | 0.0516% | 1,962 |
| Net operating income to assets | 0.9533% | 3,066 |
| Return on assets (ROA) | 0.9533% | 3,151 |
| Pretax return on assets | 1.2317% | 2,830 |
| Return on Equity (ROE) | 9.1843% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.6210% | 2,175 |
| Net charge-offs to loans | -0.0073% | 3,555 |
| Credit loss provision to net charge-offs | -1,533.3333% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4835% | 2,615 |
| Assets per employee ($millions) | 4.7199% | 3,948 |
| Cash dividends to net income (ytd only)* | 17.0213% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,894 |
| Loan loss allowance to noncurrent loans | 158.3333% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 1,848 |
| Noncurrent loans to loans | 0.9031% | 1,274 |
| Net loans and leases to total assets | 43.7617% | 3,972 |
| Net loans and leases to deposits | 48.8974% | 4,073 |
| Net loans and leases to core deposits | 50.7326% | 4,094 |
| Total domestic deposits to total assets | 89.4970% | 1,014 |
| Equity capital to assets | 10.3368% | 2,579 |
| Core capital (leverage) ratio | 10.3214% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,316,750 | 3,866 |
| Average earning assets | $112,834,250 | 3,816 |
| Average equity | $12,281,500 | 3,953 |
| Average total loans | $54,812,750 | 3,969 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4701% | 2,978 |
| Cost of funding earning assets | 0.4634% | 1,429 |
| Net interest margin | 3.0067% | 3,305 |
| Noninterest income to average assets | 0.3646% | 3,279 |
| Noninterest expense to average assets | 2.1395% | 3,270 |
| Loan and lease loss provision to assets | 0.0633% | 1,773 |
| Net operating income to assets | 0.8062% | 3,493 |
| Return on assets (ROA) | 0.8062% | 3,567 |
| Pretax return on assets | 1.0270% | 3,381 |
| Return on Equity (ROE) | 7.7550% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.3840% | 3,041 |
| Net charge-offs to loans | -0.0036% | 3,337 |
| Credit loss provision to net charge-offs | -3,700.0000% | 3,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2427% | 2,117 |
| Assets per employee ($millions) | 4.6314% | 3,986 |
| Cash dividends to net income (ytd only)* | 30.5732% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 2,163 |
| Loan loss allowance to noncurrent loans | 137.0766% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 1,791 |
| Noncurrent loans to loans | 0.9908% | 1,247 |
| Net loans and leases to total assets | 46.3822% | 3,875 |
| Net loans and leases to deposits | 51.7287% | 4,011 |
| Net loans and leases to core deposits | 53.6992% | 4,038 |
| Total domestic deposits to total assets | 89.6643% | 940 |
| Equity capital to assets | 10.2062% | 2,664 |
| Core capital (leverage) ratio | 10.1540% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,850,000 | 3,895 |
| Average earning assets | $111,352,000 | 3,851 |
| Average equity | $12,147,000 | 3,970 |
| Average total loans | $54,923,000 | 3,991 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0937% | 3,895 |
| Cost of funding earning assets | 0.4962% | 1,412 |
| Net interest margin | 2.5976% | 4,160 |
| Noninterest income to average assets | 0.3685% | 3,253 |
| Noninterest expense to average assets | 2.1970% | 3,123 |
| Loan and lease loss provision to assets | 0.0660% | 1,824 |
| Net operating income to assets | 0.4728% | 4,231 |
| Return on assets (ROA) | 0.4728% | 4,265 |
| Pretax return on assets | 0.5805% | 4,217 |
| Return on Equity (ROE) | 4.5050% | 4,187 |
| Retained earnings to average equity (ytd only) | -0.2650% | 4,387 |
| Net charge-offs to loans | -0.0074% | 3,543 |
| Credit loss provision to net charge-offs | -1,900.0000% | 3,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2616% | 1,021 |
| Assets per employee ($millions) | 4.4274% | 4,174 |
| Cash dividends to net income (ytd only)* | 105.8824% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,985 |
| Loan loss allowance to noncurrent loans | 128.5959% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 1,924 |
| Noncurrent loans to loans | 1.0841% | 1,227 |
| Net loans and leases to total assets | 44.4358% | 4,087 |
| Net loans and leases to deposits | 49.4337% | 4,198 |
| Net loans and leases to core deposits | 51.3366% | 4,225 |
| Total domestic deposits to total assets | 89.8897% | 872 |
| Equity capital to assets | 9.9890% | 2,720 |
| Core capital (leverage) ratio | 10.4638% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,066,500 | 3,911 |
| Average earning assets | $109,641,500 | 3,874 |
| Average equity | $12,075,500 | 3,991 |
| Average total loans | $54,074,000 | 4,024 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 3,038 |
| Cost of funding earning assets | 0.6933% | 1,749 |
| Net interest margin | 3.2031% | 3,355 |
| Noninterest income to average assets | 0.2676% | 3,880 |
| Noninterest expense to average assets | 2.3659% | 3,224 |
| Loan and lease loss provision to assets | 0.0334% | 3,981 |
| Net operating income to assets | 0.7038% | 3,424 |
| Return on assets (ROA) | 0.7240% | 3,485 |
| Pretax return on assets | 0.9296% | 3,283 |
| Return on Equity (ROE) | 6.1696% | 3,526 |
| Retained earnings to average equity (ytd only) | 3.9566% | 2,851 |
| Net charge-offs to loans | 0.1568% | 1,047 |
| Credit loss provision to net charge-offs | 39.7590% | 3,190 |
| Earnings coverage of net charge-offs (x) | 11.4819% | 2,401 |
| Efficiency ratio | 71.6200% | 1,733 |
| Assets per employee ($millions) | 4.0960% | 4,297 |
| Cash dividends to net income (ytd only)* | 35.8696% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 2,204 |
| Loan loss allowance to noncurrent loans | 187.4359% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 2,573 |
| Noncurrent loans to loans | 0.7185% | 1,901 |
| Net loans and leases to total assets | 48.4185% | 3,945 |
| Net loans and leases to deposits | 54.5246% | 4,085 |
| Net loans and leases to core deposits | 56.6797% | 4,120 |
| Total domestic deposits to total assets | 88.8012% | 1,072 |
| Equity capital to assets | 11.0406% | 2,221 |
| Core capital (leverage) ratio | 10.9514% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,653,200 | 3,973 |
| Average earning assets | $96,345,600 | 3,939 |
| Average equity | $11,929,400 | 3,987 |
| Average total loans | $52,939,600 | 4,046 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 3,196 |
| Cost of funding earning assets | 0.7253% | 1,873 |
| Net interest margin | 3.1929% | 3,507 |
| Noninterest income to average assets | 0.2669% | 3,869 |
| Noninterest expense to average assets | 2.3912% | 3,164 |
| Loan and lease loss provision to assets | 0.0161% | 4,125 |
| Net operating income to assets | 0.6873% | 3,497 |
| Return on assets (ROA) | 0.7148% | 3,513 |
| Pretax return on assets | 0.9173% | 3,337 |
| Return on Equity (ROE) | 5.9924% | 3,552 |
| Retained earnings to average equity (ytd only) | 4.0361% | 3,031 |
| Net charge-offs to loans | 0.1419% | 1,029 |
| Credit loss provision to net charge-offs | 21.4286% | 2,977 |
| Earnings coverage of net charge-offs (x) | 11.9643% | 2,271 |
| Efficiency ratio | 72.6865% | 1,556 |
| Assets per employee ($millions) | 4.0728% | 4,266 |
| Cash dividends to net income (ytd only)* | 32.6454% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,747 |
| Loan loss allowance to noncurrent loans | 144.3137% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 1,990 |
| Noncurrent loans to loans | 0.9689% | 1,549 |
| Net loans and leases to total assets | 49.0117% | 4,154 |
| Net loans and leases to deposits | 55.5241% | 4,282 |
| Net loans and leases to core deposits | 57.9603% | 4,307 |
| Total domestic deposits to total assets | 88.2712% | 1,079 |
| Equity capital to assets | 11.4682% | 2,032 |
| Core capital (leverage) ratio | 11.2530% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,418,500 | 4,001 |
| Average earning assets | $94,122,750 | 3,970 |
| Average equity | $11,859,250 | 3,997 |
| Average total loans | $52,605,000 | 4,076 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 3,087 |
| Cost of funding earning assets | 0.7614% | 2,042 |
| Net interest margin | 3.3242% | 3,326 |
| Noninterest income to average assets | 0.2755% | 3,824 |
| Noninterest expense to average assets | 2.4532% | 3,092 |
| Loan and lease loss provision to assets | 0.0103% | 4,083 |
| Net operating income to assets | 0.7351% | 3,262 |
| Return on assets (ROA) | 0.7773% | 3,239 |
| Pretax return on assets | 1.0076% | 3,001 |
| Return on Equity (ROE) | 6.4262% | 3,357 |
| Retained earnings to average equity (ytd only) | 3.4681% | 3,194 |
| Net charge-offs to loans | 0.0228% | 2,259 |
| Credit loss provision to net charge-offs | 83.3333% | 2,489 |
| Earnings coverage of net charge-offs (x) | 78.1667% | 821 |
| Efficiency ratio | 71.7810% | 1,718 |
| Assets per employee ($millions) | 4.1366% | 4,168 |
| Cash dividends to net income (ytd only)* | 46.0317% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,360 |
| Loan loss allowance to noncurrent loans | 131.5878% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 1,524 |
| Noncurrent loans to loans | 1.1155% | 1,412 |
| Net loans and leases to total assets | 50.5662% | 4,131 |
| Net loans and leases to deposits | 57.5730% | 4,240 |
| Net loans and leases to core deposits | 60.1671% | 4,252 |
| Total domestic deposits to total assets | 87.8296% | 1,269 |
| Equity capital to assets | 11.6115% | 1,902 |
| Core capital (leverage) ratio | 11.5731% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,260,333 | 4,033 |
| Average earning assets | $91,932,333 | 3,999 |
| Average equity | $11,764,333 | 4,016 |
| Average total loans | $52,594,667 | 4,091 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 2,667 |
| Cost of funding earning assets | 0.8052% | 2,359 |
| Net interest margin | 3.5805% | 2,736 |
| Noninterest income to average assets | 0.2718% | 3,906 |
| Noninterest expense to average assets | 2.5737% | 3,069 |
| Loan and lease loss provision to assets | 0.0255% | 3,474 |
| Net operating income to assets | 0.8089% | 2,876 |
| Return on assets (ROA) | 0.8961% | 2,635 |
| Pretax return on assets | 1.1637% | 2,328 |
| Return on Equity (ROE) | 7.2493% | 2,852 |
| Retained earnings to average equity (ytd only) | 1.2712% | 3,678 |
| Net charge-offs to loans | 0.0458% | 1,563 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 42.3333% | 1,002 |
| Efficiency ratio | 70.4651% | 2,285 |
| Assets per employee ($millions) | 3.2642% | 4,653 |
| Cash dividends to net income (ytd only)* | 82.4645% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,344 |
| Loan loss allowance to noncurrent loans | 103.7234% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9951% | 1,326 |
| Noncurrent loans to loans | 1.4463% | 1,104 |
| Net loans and leases to total assets | 54.1035% | 3,982 |
| Net loans and leases to deposits | 62.1659% | 4,092 |
| Net loans and leases to core deposits | 65.0643% | 4,126 |
| Total domestic deposits to total assets | 87.0308% | 1,543 |
| Equity capital to assets | 12.4473% | 1,765 |
| Core capital (leverage) ratio | 12.2649% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,183,000 | 4,074 |
| Average earning assets | $88,925,500 | 4,038 |
| Average equity | $11,642,500 | 4,043 |
| Average total loans | $52,356,000 | 4,104 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 3,019 |
| Cost of funding earning assets | 0.7543% | 2,893 |
| Net interest margin | 3.7235% | 2,744 |
| Noninterest income to average assets | 0.4068% | 3,256 |
| Noninterest expense to average assets | 2.6619% | 2,987 |
| Loan and lease loss provision to assets | 0.0698% | 2,606 |
| Net operating income to assets | 0.8920% | 3,236 |
| Return on assets (ROA) | 0.8920% | 3,326 |
| Pretax return on assets | 1.1721% | 2,941 |
| Return on Equity (ROE) | 7.5045% | 3,368 |
| Retained earnings to average equity (ytd only) | 4.9398% | 2,450 |
| Net charge-offs to loans | 0.0111% | 3,298 |
| Credit loss provision to net charge-offs | 1,083.3333% | 319 |
| Earnings coverage of net charge-offs (x) | 192.8333% | 410 |
| Efficiency ratio | 68.1881% | 2,431 |
| Assets per employee ($millions) | 3.6040% | 4,366 |
| Cash dividends to net income (ytd only)* | 34.1757% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 1,282 |
| Loan loss allowance to noncurrent loans | 102.7668% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 1,177 |
| Noncurrent loans to loans | 1.4398% | 1,018 |
| Net loans and leases to total assets | 55.4262% | 3,962 |
| Net loans and leases to deposits | 63.4310% | 4,109 |
| Net loans and leases to core deposits | 66.5096% | 4,163 |
| Total domestic deposits to total assets | 87.3803% | 1,416 |
| Equity capital to assets | 12.2750% | 1,964 |
| Core capital (leverage) ratio | 12.1408% | 1,688 |
| Tier 1 risk-based capital ratio | 21.2411% | 1,124 |
| Total risk-based capital ratio | 22.4933% | 1,103 |
| Memoranda: | ||
| Average total assets | $93,164,800 | 4,095 |
| Average earning assets | $87,498,400 | 4,074 |
| Average equity | $11,073,400 | 4,117 |
| Average total loans | $54,189,000 | 4,098 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 3,155 |
| Cost of funding earning assets | 0.7334% | 3,053 |
| Net interest margin | 3.7358% | 2,805 |
| Noninterest income to average assets | 0.3970% | 3,336 |
| Noninterest expense to average assets | 2.6586% | 2,985 |
| Loan and lease loss provision to assets | 0.0874% | 2,167 |
| Net operating income to assets | 0.8800% | 3,417 |
| Return on assets (ROA) | 0.8800% | 3,499 |
| Pretax return on assets | 1.1552% | 3,118 |
| Return on Equity (ROE) | 7.4652% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.3496% | 2,710 |
| Net charge-offs to loans | -0.0098% | 4,369 |
| Credit loss provision to net charge-offs | -1,525.0000% | 4,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1484% | 2,390 |
| Assets per employee ($millions) | 3.6303% | 4,359 |
| Cash dividends to net income (ytd only)* | 28.3381% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,299 |
| Loan loss allowance to noncurrent loans | 99.2424% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9789% | 1,379 |
| Noncurrent loans to loans | 1.4930% | 1,015 |
| Net loans and leases to total assets | 55.3666% | 4,087 |
| Net loans and leases to deposits | 63.2129% | 4,226 |
| Net loans and leases to core deposits | 66.4674% | 4,247 |
| Total domestic deposits to total assets | 87.5875% | 1,223 |
| Equity capital to assets | 12.0575% | 2,212 |
| Core capital (leverage) ratio | 12.1580% | 1,754 |
| Tier 1 risk-based capital ratio | 20.5522% | 1,271 |
| Total risk-based capital ratio | 21.8043% | 1,243 |
| Memoranda: | ||
| Average total assets | $93,030,250 | 4,146 |
| Average earning assets | $87,262,500 | 4,129 |
| Average equity | $10,966,250 | 4,165 |
| Average total loans | $54,557,250 | 4,135 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 3,223 |
| Cost of funding earning assets | 0.7077% | 3,126 |
| Net interest margin | 3.7300% | 2,831 |
| Noninterest income to average assets | 0.4061% | 3,233 |
| Noninterest expense to average assets | 2.6616% | 3,031 |
| Loan and lease loss provision to assets | 0.1188% | 1,571 |
| Net operating income to assets | 0.8555% | 3,453 |
| Return on assets (ROA) | 0.8555% | 3,509 |
| Pretax return on assets | 1.1212% | 3,171 |
| Return on Equity (ROE) | 7.3144% | 3,565 |
| Retained earnings to average equity (ytd only) | 4.1005% | 3,195 |
| Net charge-offs to loans | -0.0182% | 4,519 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2171% | 2,501 |
| Assets per employee ($millions) | 3.4835% | 4,517 |
| Cash dividends to net income (ytd only)* | 43.9394% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 1,456 |
| Loan loss allowance to noncurrent loans | 93.3094% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.0451% | 1,314 |
| Noncurrent loans to loans | 1.5452% | 991 |
| Net loans and leases to total assets | 56.7599% | 4,028 |
| Net loans and leases to deposits | 64.5401% | 4,195 |
| Net loans and leases to core deposits | 68.0558% | 4,199 |
| Total domestic deposits to total assets | 87.9452% | 1,125 |
| Equity capital to assets | 11.8283% | 2,321 |
| Core capital (leverage) ratio | 11.9852% | 1,841 |
| Tier 1 risk-based capital ratio | 20.0941% | 1,336 |
| Total risk-based capital ratio | 21.3457% | 1,302 |
| Memoranda: | ||
| Average total assets | $92,577,330 | 4,182 |
| Average earning assets | $86,756,670 | 4,159 |
| Average equity | $10,828,000 | 4,195 |
| Average total loans | $55,061,000 | 4,145 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4123% | 3,181 |
| Cost of funding earning assets | 0.6563% | 3,285 |
| Net interest margin | 3.7560% | 2,682 |
| Noninterest income to average assets | 0.4094% | 3,122 |
| Noninterest expense to average assets | 2.6699% | 2,997 |
| Loan and lease loss provision to assets | 0.1263% | 1,389 |
| Net operating income to assets | 0.8624% | 3,390 |
| Return on assets (ROA) | 0.8624% | 3,440 |
| Pretax return on assets | 1.1281% | 3,053 |
| Return on Equity (ROE) | 7.4161% | 3,495 |
| Retained earnings to average equity (ytd only) | 0.9364% | 4,324 |
| Net charge-offs to loans | 0.0649% | 1,397 |
| Credit loss provision to net charge-offs | 322.2222% | 788 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,288 |
| Efficiency ratio | 68.0355% | 2,637 |
| Assets per employee ($millions) | 3.6066% | 4,460 |
| Cash dividends to net income (ytd only)* | 87.3737% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 1,921 |
| Loan loss allowance to noncurrent loans | 79.1889% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 1,110 |
| Noncurrent loans to loans | 1.6913% | 912 |
| Net loans and leases to total assets | 58.2909% | 3,854 |
| Net loans and leases to deposits | 65.9659% | 4,056 |
| Net loans and leases to core deposits | 69.5402% | 4,098 |
| Total domestic deposits to total assets | 88.3653% | 1,152 |
| Equity capital to assets | 11.4844% | 2,413 |
| Core capital (leverage) ratio | 12.0309% | 1,752 |
| Tier 1 risk-based capital ratio | 19.4557% | 1,452 |
| Total risk-based capital ratio | 20.7071% | 1,426 |
| Memoranda: | ||
| Average total assets | $91,839,000 | 4,231 |
| Average earning assets | $85,942,500 | 4,220 |
| Average equity | $10,679,500 | 4,242 |
| Average total loans | $55,508,500 | 4,177 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 3,340 |
| Cost of funding earning assets | 0.5003% | 3,354 |
| Net interest margin | 3.7341% | 2,926 |
| Noninterest income to average assets | 0.3638% | 3,661 |
| Noninterest expense to average assets | 2.6845% | 3,079 |
| Loan and lease loss provision to assets | 0.1231% | 1,790 |
| Net operating income to assets | 0.8387% | 3,653 |
| Return on assets (ROA) | 0.8387% | 3,652 |
| Pretax return on assets | 1.0524% | 3,437 |
| Return on Equity (ROE) | 7.5725% | 3,631 |
| Retained earnings to average equity (ytd only) | 4.9899% | 2,771 |
| Net charge-offs to loans | 0.1568% | 1,225 |
| Credit loss provision to net charge-offs | 132.5581% | 2,002 |
| Earnings coverage of net charge-offs (x) | 12.6628% | 2,516 |
| Efficiency ratio | 69.5470% | 2,276 |
| Assets per employee ($millions) | 3.4580% | 4,596 |
| Cash dividends to net income (ytd only)* | 34.1055% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 2,047 |
| Loan loss allowance to noncurrent loans | 72.6358% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.3514% | 922 |
| Noncurrent loans to loans | 1.7873% | 799 |
| Net loans and leases to total assets | 61.0553% | 3,661 |
| Net loans and leases to deposits | 69.2945% | 3,877 |
| Net loans and leases to core deposits | 72.7898% | 3,933 |
| Total domestic deposits to total assets | 88.1099% | 1,251 |
| Equity capital to assets | 11.7788% | 2,048 |
| Core capital (leverage) ratio | 12.0252% | 1,722 |
| Tier 1 risk-based capital ratio | 19.6166% | 1,382 |
| Total risk-based capital ratio | 20.8669% | 1,354 |
| Memoranda: | ||
| Average total assets | $92,641,800 | 4,226 |
| Average earning assets | $86,741,200 | 4,208 |
| Average equity | $10,260,800 | 4,272 |
| Average total loans | $54,850,200 | 4,211 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 3,422 |
| Cost of funding earning assets | 0.4710% | 3,386 |
| Net interest margin | 3.6937% | 3,045 |
| Noninterest income to average assets | 0.3800% | 3,597 |
| Noninterest expense to average assets | 2.6659% | 3,078 |
| Loan and lease loss provision to assets | 0.1243% | 1,617 |
| Net operating income to assets | 0.7929% | 3,929 |
| Return on assets (ROA) | 0.7929% | 3,942 |
| Pretax return on assets | 1.0515% | 3,572 |
| Return on Equity (ROE) | 7.2700% | 3,831 |
| Retained earnings to average equity (ytd only) | 5.1741% | 3,133 |
| Net charge-offs to loans | 0.1390% | 1,172 |
| Credit loss provision to net charge-offs | 152.6316% | 1,678 |
| Earnings coverage of net charge-offs (x) | 14.4383% | 2,285 |
| Efficiency ratio | 69.3938% | 2,289 |
| Assets per employee ($millions) | 3.5240% | 4,528 |
| Cash dividends to net income (ytd only)* | 28.8292% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,025 |
| Loan loss allowance to noncurrent loans | 67.0370% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.5084% | 843 |
| Noncurrent loans to loans | 1.9627% | 762 |
| Net loans and leases to total assets | 59.2668% | 3,925 |
| Net loans and leases to deposits | 66.9544% | 4,131 |
| Net loans and leases to core deposits | 70.3968% | 4,168 |
| Total domestic deposits to total assets | 88.5182% | 1,040 |
| Equity capital to assets | 11.3007% | 2,394 |
| Core capital (leverage) ratio | 11.6551% | 2,044 |
| Tier 1 risk-based capital ratio | 19.5211% | 1,433 |
| Total risk-based capital ratio | 20.7716% | 1,398 |
| Memoranda: | ||
| Average total assets | $93,325,500 | 4,253 |
| Average earning assets | $87,463,000 | 4,236 |
| Average equity | $10,178,500 | 4,322 |
| Average total loans | $54,659,000 | 4,259 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 3,455 |
| Cost of funding earning assets | 0.4452% | 3,387 |
| Net interest margin | 3.6522% | 3,111 |
| Noninterest income to average assets | 0.3664% | 3,705 |
| Noninterest expense to average assets | 2.6583% | 3,137 |
| Loan and lease loss provision to assets | 0.1257% | 1,577 |
| Net operating income to assets | 0.7540% | 4,017 |
| Return on assets (ROA) | 0.7540% | 4,017 |
| Pretax return on assets | 1.0075% | 3,637 |
| Return on Equity (ROE) | 6.9960% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.8340% | 3,685 |
| Net charge-offs to loans | 0.0990% | 1,366 |
| Credit loss provision to net charge-offs | 218.5185% | 1,224 |
| Earnings coverage of net charge-offs (x) | 19.7037% | 1,842 |
| Efficiency ratio | 70.1124% | 2,294 |
| Assets per employee ($millions) | 3.5836% | 4,495 |
| Cash dividends to net income (ytd only)* | 45.1977% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,068 |
| Loan loss allowance to noncurrent loans | 76.2854% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.3470% | 1,039 |
| Noncurrent loans to loans | 1.7319% | 917 |
| Net loans and leases to total assets | 58.2776% | 3,964 |
| Net loans and leases to deposits | 65.5207% | 4,189 |
| Net loans and leases to core deposits | 68.8052% | 4,213 |
| Total domestic deposits to total assets | 88.9453% | 956 |
| Equity capital to assets | 10.9184% | 2,715 |
| Core capital (leverage) ratio | 11.5033% | 2,075 |
| Tier 1 risk-based capital ratio | 19.1437% | 1,517 |
| Total risk-based capital ratio | 20.3951% | 1,480 |
| Memoranda: | ||
| Average total assets | $93,893,000 | 4,281 |
| Average earning assets | $88,057,330 | 4,254 |
| Average equity | $10,120,000 | 4,367 |
| Average total loans | $54,536,670 | 4,291 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,661 |
| Cost of funding earning assets | 0.4027% | 3,556 |
| Net interest margin | 3.5832% | 3,245 |
| Noninterest income to average assets | 0.4668% | 3,016 |
| Noninterest expense to average assets | 2.6864% | 3,077 |
| Loan and lease loss provision to assets | 0.1273% | 1,480 |
| Net operating income to assets | 0.7427% | 3,934 |
| Return on assets (ROA) | 0.7427% | 3,936 |
| Pretax return on assets | 1.0143% | 3,482 |
| Return on Equity (ROE) | 6.9352% | 3,808 |
| Retained earnings to average equity (ytd only) | 0.5944% | 4,714 |
| Net charge-offs to loans | 0.2137% | 697 |
| Credit loss provision to net charge-offs | 103.4483% | 1,506 |
| Earnings coverage of net charge-offs (x) | 9.2759% | 1,973 |
| Efficiency ratio | 70.1774% | 2,463 |
| Assets per employee ($millions) | 3.3826% | 4,810 |
| Cash dividends to net income (ytd only)* | 91.4286% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 2,324 |
| Loan loss allowance to noncurrent loans | 157.4661% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 1,978 |
| Noncurrent loans to loans | 0.8141% | 2,184 |
| Net loans and leases to total assets | 56.5861% | 4,071 |
| Net loans and leases to deposits | 63.6029% | 4,233 |
| Net loans and leases to core deposits | 66.7376% | 4,269 |
| Total domestic deposits to total assets | 88.9678% | 1,106 |
| Equity capital to assets | 10.5908% | 2,979 |
| Core capital (leverage) ratio | 11.2046% | 2,242 |
| Tier 1 risk-based capital ratio | 19.0555% | 1,539 |
| Total risk-based capital ratio | 20.3060% | 1,502 |
| Memoranda: | ||
| Average total assets | $94,253,000 | 4,317 |
| Average earning assets | $88,413,500 | 4,292 |
| Average equity | $10,093,500 | 4,413 |
| Average total loans | $54,292,000 | 4,340 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 3,405 |
| Cost of funding earning assets | 0.3818% | 3,412 |
| Net interest margin | 3.6176% | 3,110 |
| Noninterest income to average assets | 0.4389% | 3,384 |
| Noninterest expense to average assets | 2.4955% | 3,800 |
| Loan and lease loss provision to assets | 0.1895% | 1,114 |
| Net operating income to assets | 0.6652% | 3,753 |
| Return on assets (ROA) | 0.6652% | 3,795 |
| Pretax return on assets | 1.1346% | 3,042 |
| Return on Equity (ROE) | 6.3069% | 3,622 |
| Retained earnings to average equity (ytd only) | 3.8520% | 2,905 |
| Net charge-offs to loans | 0.2074% | 1,251 |
| Credit loss provision to net charge-offs | 160.7143% | 1,661 |
| Earnings coverage of net charge-offs (x) | 11.2321% | 2,591 |
| Efficiency ratio | 65.3348% | 3,378 |
| Assets per employee ($millions) | 3.2342% | 4,999 |
| Cash dividends to net income (ytd only)* | 38.9241% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,318 |
| Loan loss allowance to noncurrent loans | 136.2745% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 1,772 |
| Noncurrent loans to loans | 0.9393% | 1,899 |
| Net loans and leases to total assets | 57.1456% | 4,095 |
| Net loans and leases to deposits | 64.3294% | 4,299 |
| Net loans and leases to core deposits | 67.8104% | 4,308 |
| Total domestic deposits to total assets | 88.8327% | 1,071 |
| Equity capital to assets | 10.8282% | 2,809 |
| Core capital (leverage) ratio | 11.1111% | 2,239 |
| Tier 1 risk-based capital ratio | 18.8066% | 1,556 |
| Total risk-based capital ratio | 20.0562% | 1,516 |
| Memoranda: | ||
| Average total assets | $95,010,800 | 4,329 |
| Average earning assets | $88,787,400 | 4,315 |
| Average equity | $10,020,800 | 4,443 |
| Average total loans | $53,990,800 | 4,365 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 3,497 |
| Cost of funding earning assets | 0.3625% | 3,529 |
| Net interest margin | 3.5952% | 3,171 |
| Noninterest income to average assets | 0.4210% | 3,550 |
| Noninterest expense to average assets | 2.4969% | 3,750 |
| Loan and lease loss provision to assets | 0.1693% | 1,194 |
| Net operating income to assets | 0.7260% | 3,842 |
| Return on assets (ROA) | 0.7260% | 3,910 |
| Pretax return on assets | 1.1121% | 3,259 |
| Return on Equity (ROE) | 6.9288% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.9263% | 2,937 |
| Net charge-offs to loans | 0.1978% | 1,076 |
| Credit loss provision to net charge-offs | 151.2500% | 1,682 |
| Earnings coverage of net charge-offs (x) | 11.4504% | 2,501 |
| Efficiency ratio | 66.0866% | 3,194 |
| Assets per employee ($millions) | 3.6588% | 4,501 |
| Cash dividends to net income (ytd only)* | 28.9026% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,780 |
| Loan loss allowance to noncurrent loans | 105.8637% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 1,709 |
| Noncurrent loans to loans | 1.1561% | 1,662 |
| Net loans and leases to total assets | 56.6704% | 4,179 |
| Net loans and leases to deposits | 63.7890% | 4,390 |
| Net loans and leases to core deposits | 66.9831% | 4,422 |
| Total domestic deposits to total assets | 88.8404% | 954 |
| Equity capital to assets | 10.7927% | 3,071 |
| Core capital (leverage) ratio | 11.0016% | 2,458 |
| Tier 1 risk-based capital ratio | 19.4110% | 1,500 |
| Total risk-based capital ratio | 20.6577% | 1,457 |
| Memoranda: | ||
| Average total assets | $95,315,500 | 4,365 |
| Average earning assets | $89,004,500 | 4,348 |
| Average equity | $9,987,000 | 4,491 |
| Average total loans | $53,915,250 | 4,400 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9448% | 3,391 |
| Cost of funding earning assets | 0.3621% | 3,460 |
| Net interest margin | 3.5827% | 3,100 |
| Noninterest income to average assets | 0.4299% | 3,491 |
| Noninterest expense to average assets | 2.5226% | 3,682 |
| Loan and lease loss provision to assets | 0.2034% | 898 |
| Net operating income to assets | 0.6815% | 3,928 |
| Return on assets (ROA) | 0.6815% | 3,995 |
| Pretax return on assets | 1.0443% | 3,390 |
| Return on Equity (ROE) | 6.5699% | 3,793 |
| Retained earnings to average equity (ytd only) | 3.5376% | 3,604 |
| Net charge-offs to loans | 0.2533% | 808 |
| Credit loss provision to net charge-offs | 142.6471% | 1,572 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 2,487 |
| Efficiency ratio | 66.9077% | 3,195 |
| Assets per employee ($millions) | 3.8235% | 4,246 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,961 |
| Loan loss allowance to noncurrent loans | 107.9077% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.0639% | 1,643 |
| Noncurrent loans to loans | 1.1210% | 1,749 |
| Net loans and leases to total assets | 55.9600% | 4,232 |
| Net loans and leases to deposits | 62.7313% | 4,452 |
| Net loans and leases to core deposits | 65.5278% | 4,503 |
| Total domestic deposits to total assets | 89.2058% | 857 |
| Equity capital to assets | 10.5369% | 3,292 |
| Core capital (leverage) ratio | 10.7428% | 2,660 |
| Tier 1 risk-based capital ratio | 18.8726% | 1,619 |
| Total risk-based capital ratio | 20.0858% | 1,587 |
| Memoranda: | ||
| Average total assets | $95,377,670 | 4,390 |
| Average earning assets | $88,927,330 | 4,378 |
| Average equity | $9,893,670 | 4,521 |
| Average total loans | $53,694,330 | 4,432 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 3,291 |
| Cost of funding earning assets | 0.3702% | 3,307 |
| Net interest margin | 3.5578% | 3,052 |
| Noninterest income to average assets | 0.4744% | 3,155 |
| Noninterest expense to average assets | 2.5107% | 3,779 |
| Loan and lease loss provision to assets | 0.0714% | 2,378 |
| Net operating income to assets | 0.7809% | 3,304 |
| Return on assets (ROA) | 0.7809% | 3,360 |
| Pretax return on assets | 1.2008% | 2,592 |
| Return on Equity (ROE) | 7.5884% | 3,122 |
| Retained earnings to average equity (ytd only) | 1.4687% | 4,515 |
| Net charge-offs to loans | 0.1945% | 888 |
| Credit loss provision to net charge-offs | 65.3846% | 1,871 |
| Earnings coverage of net charge-offs (x) | 11.6538% | 1,878 |
| Efficiency ratio | 66.3707% | 3,431 |
| Assets per employee ($millions) | 3.9939% | 4,021 |
| Cash dividends to net income (ytd only)* | 80.6452% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 3,347 |
| Loan loss allowance to noncurrent loans | 89.9417% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 1,567 |
| Noncurrent loans to loans | 1.2929% | 1,564 |
| Net loans and leases to total assets | 54.7092% | 4,284 |
| Net loans and leases to deposits | 61.2228% | 4,479 |
| Net loans and leases to core deposits | 63.9392% | 4,540 |
| Total domestic deposits to total assets | 89.3609% | 967 |
| Equity capital to assets | 10.2969% | 3,408 |
| Core capital (leverage) ratio | 10.6184% | 2,771 |
| Tier 1 risk-based capital ratio | 19.1307% | 1,580 |
| Total risk-based capital ratio | 20.3090% | 1,563 |
| Memoranda: | ||
| Average total assets | $95,272,500 | 4,437 |
| Average earning assets | $88,593,500 | 4,430 |
| Average equity | $9,804,500 | 4,570 |
| Average total loans | $53,468,500 | 4,469 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 3,506 |
| Cost of funding earning assets | 0.3839% | 3,164 |
| Net interest margin | 3.5337% | 3,304 |
| Noninterest income to average assets | 0.2895% | 4,668 |
| Noninterest expense to average assets | 2.5856% | 3,720 |
| Loan and lease loss provision to assets | 0.0982% | 2,409 |
| Net operating income to assets | 0.6171% | 4,138 |
| Return on assets (ROA) | 0.6213% | 4,234 |
| Pretax return on assets | 0.8953% | 3,865 |
| Return on Equity (ROE) | 6.1403% | 3,907 |
| Retained earnings to average equity (ytd only) | 3.5146% | 3,431 |
| Net charge-offs to loans | 0.1158% | 2,102 |
| Credit loss provision to net charge-offs | 155.7377% | 1,765 |
| Earnings coverage of net charge-offs (x) | 15.6557% | 2,186 |
| Efficiency ratio | 72.3669% | 2,532 |
| Assets per employee ($millions) | 3.1564% | 5,207 |
| Cash dividends to net income (ytd only)* | 42.7621% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,348 |
| Loan loss allowance to noncurrent loans | 79.2668% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.4859% | 1,130 |
| Noncurrent loans to loans | 1.4681% | 1,378 |
| Net loans and leases to total assets | 56.2377% | 4,246 |
| Net loans and leases to deposits | 62.8275% | 4,483 |
| Net loans and leases to core deposits | 65.6605% | 4,543 |
| Total domestic deposits to total assets | 89.5111% | 852 |
| Equity capital to assets | 10.2850% | 3,405 |
| Core capital (leverage) ratio | 10.3528% | 3,047 |
| Tier 1 risk-based capital ratio | 18.7364% | 1,673 |
| Total risk-based capital ratio | 19.9133% | 1,654 |
| Memoranda: | ||
| Average total assets | $96,726,600 | 4,409 |
| Average earning assets | $89,876,200 | 4,389 |
| Average equity | $9,787,800 | 4,617 |
| Average total loans | $52,688,600 | 4,501 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 3,558 |
| Cost of funding earning assets | 0.3853% | 3,172 |
| Net interest margin | 3.5226% | 3,382 |
| Noninterest income to average assets | 0.3414% | 4,340 |
| Noninterest expense to average assets | 2.6437% | 3,523 |
| Loan and lease loss provision to assets | 0.0795% | 2,627 |
| Net operating income to assets | 0.6100% | 4,248 |
| Return on assets (ROA) | 0.6157% | 4,346 |
| Pretax return on assets | 0.8981% | 3,984 |
| Return on Equity (ROE) | 6.1087% | 4,019 |
| Retained earnings to average equity (ytd only) | 2.6121% | 4,349 |
| Net charge-offs to loans | 0.1145% | 1,800 |
| Credit loss provision to net charge-offs | 128.8889% | 1,985 |
| Earnings coverage of net charge-offs (x) | 15.7107% | 2,166 |
| Efficiency ratio | 73.1689% | 2,413 |
| Assets per employee ($millions) | 3.4639% | 4,819 |
| Cash dividends to net income (ytd only)* | 57.2388% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,528 |
| Loan loss allowance to noncurrent loans | 125.5187% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.2362% | 1,595 |
| Noncurrent loans to loans | 0.9188% | 2,407 |
| Net loans and leases to total assets | 53.4674% | 4,540 |
| Net loans and leases to deposits | 59.7885% | 4,773 |
| Net loans and leases to core deposits | 62.4354% | 4,806 |
| Total domestic deposits to total assets | 89.4276% | 709 |
| Equity capital to assets | 10.2693% | 3,836 |
| Core capital (leverage) ratio | 10.1593% | 3,373 |
| Tier 1 risk-based capital ratio | 18.6233% | 1,753 |
| Total risk-based capital ratio | 19.7696% | 1,747 |
| Memoranda: | ||
| Average total assets | $97,235,500 | 4,433 |
| Average earning assets | $90,309,500 | 4,413 |
| Average equity | $9,800,000 | 4,653 |
| Average total loans | $52,391,000 | 4,542 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,605 |
| Cost of funding earning assets | 0.3881% | 3,172 |
| Net interest margin | 3.5133% | 3,440 |
| Noninterest income to average assets | 0.3535% | 4,243 |
| Noninterest expense to average assets | 2.6244% | 3,638 |
| Loan and lease loss provision to assets | 0.0966% | 2,225 |
| Net operating income to assets | 0.6020% | 4,255 |
| Return on assets (ROA) | 0.6104% | 4,351 |
| Pretax return on assets | 0.9001% | 3,953 |
| Return on Equity (ROE) | 6.0944% | 4,003 |
| Retained earnings to average equity (ytd only) | 3.5294% | 3,649 |
| Net charge-offs to loans | 0.0917% | 1,927 |
| Credit loss provision to net charge-offs | 195.8333% | 1,325 |
| Earnings coverage of net charge-offs (x) | 19.9583% | 1,747 |
| Efficiency ratio | 72.7221% | 2,559 |
| Assets per employee ($millions) | 3.4104% | 4,905 |
| Cash dividends to net income (ytd only)* | 42.0875% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,500 |
| Loan loss allowance to noncurrent loans | 138.5135% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 1,125 |
| Noncurrent loans to loans | 0.8477% | 2,626 |
| Net loans and leases to total assets | 52.3392% | 4,638 |
| Net loans and leases to deposits | 58.3708% | 4,882 |
| Net loans and leases to core deposits | 60.8957% | 4,942 |
| Total domestic deposits to total assets | 89.6666% | 604 |
| Equity capital to assets | 10.0614% | 4,149 |
| Core capital (leverage) ratio | 10.1407% | 3,400 |
| Tier 1 risk-based capital ratio | 18.2833% | 1,856 |
| Total risk-based capital ratio | 19.4296% | 1,848 |
| Memoranda: | ||
| Average total assets | $97,318,000 | 4,470 |
| Average earning assets | $90,171,330 | 4,456 |
| Average equity | $9,746,670 | 4,695 |
| Average total loans | $52,367,330 | 4,578 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 3,416 |
| Cost of funding earning assets | 0.3946% | 3,146 |
| Net interest margin | 3.5515% | 3,270 |
| Noninterest income to average assets | 0.5056% | 3,078 |
| Noninterest expense to average assets | 2.6439% | 3,593 |
| Loan and lease loss provision to assets | 0.0124% | 3,529 |
| Net operating income to assets | 0.7293% | 3,584 |
| Return on assets (ROA) | 0.7293% | 3,693 |
| Pretax return on assets | 1.1313% | 2,966 |
| Return on Equity (ROE) | 7.2995% | 3,289 |
| Retained earnings to average equity (ytd only) | 2.1152% | 4,408 |
| Net charge-offs to loans | 0.0306% | 2,341 |
| Credit loss provision to net charge-offs | 75.0000% | 1,868 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 705 |
| Efficiency ratio | 69.8031% | 3,165 |
| Assets per employee ($millions) | 3.1141% | 5,383 |
| Cash dividends to net income (ytd only)* | 71.0227% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 3,933 |
| Loan loss allowance to noncurrent loans | 93.9587% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 2.1422% | 782 |
| Noncurrent loans to loans | 1.1942% | 2,030 |
| Net loans and leases to total assets | 53.9509% | 4,459 |
| Net loans and leases to deposits | 60.1756% | 4,703 |
| Net loans and leases to core deposits | 63.0540% | 4,748 |
| Total domestic deposits to total assets | 89.6557% | 757 |
| Equity capital to assets | 10.0781% | 3,975 |
| Core capital (leverage) ratio | 10.0638% | 3,455 |
| Tier 1 risk-based capital ratio | 18.2429% | 1,922 |
| Total risk-based capital ratio | 19.3586% | 1,920 |
| Memoranda: | ||
| Average total assets | $96,525,500 | 4,522 |
| Average earning assets | $89,202,000 | 4,517 |
| Average equity | $9,644,500 | 4,735 |
| Average total loans | $52,361,000 | 4,606 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 3,644 |
| Cost of funding earning assets | 0.4338% | 2,808 |
| Net interest margin | 3.4852% | 3,574 |
| Noninterest income to average assets | 0.3489% | 4,410 |
| Noninterest expense to average assets | 2.7431% | 3,434 |
| Loan and lease loss provision to assets | 0.0719% | 2,833 |
| Net operating income to assets | 0.4688% | 4,817 |
| Return on assets (ROA) | 0.4728% | 4,878 |
| Pretax return on assets | 0.7446% | 4,386 |
| Return on Equity (ROE) | 4.8151% | 4,595 |
| Retained earnings to average equity (ytd only) | 2.2273% | 4,453 |
| Net charge-offs to loans | 0.4256% | 661 |
| Credit loss provision to net charge-offs | 30.6667% | 3,649 |
| Earnings coverage of net charge-offs (x) | 3.4578% | 3,721 |
| Efficiency ratio | 77.1981% | 2,089 |
| Assets per employee ($millions) | 3.0161% | 5,510 |
| Cash dividends to net income (ytd only)* | 53.7445% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 3,819 |
| Loan loss allowance to noncurrent loans | 112.7619% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 2.1375% | 803 |
| Noncurrent loans to loans | 1.0087% | 2,324 |
| Net loans and leases to total assets | 53.3150% | 4,559 |
| Net loans and leases to deposits | 59.2577% | 4,829 |
| Net loans and leases to core deposits | 62.0794% | 4,874 |
| Total domestic deposits to total assets | 89.9715% | 641 |
| Equity capital to assets | 9.9052% | 4,066 |
| Core capital (leverage) ratio | 9.8797% | 3,670 |
| Tier 1 risk-based capital ratio | 18.1053% | 1,934 |
| Total risk-based capital ratio | 19.2174% | 1,930 |
| Memoranda: | ||
| Average total assets | $96,023,000 | 4,538 |
| Average earning assets | $88,286,400 | 4,533 |
| Average equity | $9,428,600 | 4,763 |
| Average total loans | $52,871,000 | 4,585 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9095% | 3,714 |
| Cost of funding earning assets | 0.4418% | 2,776 |
| Net interest margin | 3.4677% | 3,681 |
| Noninterest income to average assets | 0.2989% | 4,797 |
| Noninterest expense to average assets | 2.6972% | 3,571 |
| Loan and lease loss provision to assets | 0.0931% | 2,303 |
| Net operating income to assets | 0.4421% | 4,998 |
| Return on assets (ROA) | 0.4421% | 5,091 |
| Pretax return on assets | 0.6952% | 4,695 |
| Return on Equity (ROE) | 4.5126% | 4,832 |
| Retained earnings to average equity (ytd only) | 1.0359% | 5,301 |
| Net charge-offs to loans | 0.4471% | 570 |
| Credit loss provision to net charge-offs | 37.6404% | 3,193 |
| Earnings coverage of net charge-offs (x) | 3.1854% | 3,545 |
| Efficiency ratio | 77.3833% | 2,037 |
| Assets per employee ($millions) | 3.2604% | 5,196 |
| Cash dividends to net income (ytd only)* | 77.0443% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 3,517 |
| Loan loss allowance to noncurrent loans | 136.6953% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 2.3842% | 753 |
| Noncurrent loans to loans | 0.8957% | 2,736 |
| Net loans and leases to total assets | 52.5391% | 4,706 |
| Net loans and leases to deposits | 58.3303% | 4,974 |
| Net loans and leases to core deposits | 61.0582% | 4,999 |
| Total domestic deposits to total assets | 90.0717% | 545 |
| Equity capital to assets | 9.7310% | 4,477 |
| Core capital (leverage) ratio | 9.6551% | 4,096 |
| Tier 1 risk-based capital ratio | 17.6526% | 2,139 |
| Total risk-based capital ratio | 18.8362% | 2,119 |
| Memoranda: | ||
| Average total assets | $95,900,000 | 4,594 |
| Average earning assets | $88,124,000 | 4,588 |
| Average equity | $9,395,750 | 4,826 |
| Average total loans | $53,076,500 | 4,630 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,632 |
| Cost of funding earning assets | 0.4545% | 2,671 |
| Net interest margin | 3.4604% | 3,660 |
| Noninterest income to average assets | 0.2582% | 5,108 |
| Noninterest expense to average assets | 2.6957% | 3,606 |
| Loan and lease loss provision to assets | 0.1281% | 1,732 |
| Net operating income to assets | 0.3884% | 5,171 |
| Return on assets (ROA) | 0.3884% | 5,281 |
| Pretax return on assets | 0.6151% | 4,940 |
| Return on Equity (ROE) | 3.9551% | 5,031 |
| Retained earnings to average equity (ytd only) | 1.2827% | 5,041 |
| Net charge-offs to loans | 0.6139% | 382 |
| Credit loss provision to net charge-offs | 37.1951% | 2,852 |
| Earnings coverage of net charge-offs (x) | 2.1585% | 3,395 |
| Efficiency ratio | 78.3883% | 2,007 |
| Assets per employee ($millions) | 3.2982% | 5,172 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 3,690 |
| Loan loss allowance to noncurrent loans | 123.5632% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 2.6115% | 703 |
| Noncurrent loans to loans | 0.9846% | 2,669 |
| Net loans and leases to total assets | 52.9268% | 4,669 |
| Net loans and leases to deposits | 58.6071% | 4,949 |
| Net loans and leases to core deposits | 61.1259% | 4,997 |
| Total domestic deposits to total assets | 90.3078% | 532 |
| Equity capital to assets | 9.4981% | 4,653 |
| Core capital (leverage) ratio | 9.8527% | 3,798 |
| Tier 1 risk-based capital ratio | 16.3827% | 2,668 |
| Total risk-based capital ratio | 17.4904% | 2,689 |
| Memoranda: | ||
| Average total assets | $95,263,000 | 4,652 |
| Average earning assets | $87,562,000 | 4,641 |
| Average equity | $9,355,000 | 4,867 |
| Average total loans | $53,426,670 | 4,662 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 3,462 |
| Cost of funding earning assets | 0.4802% | 2,451 |
| Net interest margin | 3.4591% | 3,588 |
| Noninterest income to average assets | 0.2954% | 4,808 |
| Noninterest expense to average assets | 2.7446% | 3,435 |
| Loan and lease loss provision to assets | 0.1242% | 1,674 |
| Net operating income to assets | 0.3811% | 5,138 |
| Return on assets (ROA) | 0.3811% | 5,259 |
| Pretax return on assets | 0.6037% | 4,908 |
| Return on Equity (ROE) | 3.8142% | 5,059 |
| Retained earnings to average equity (ytd only) | -1.5428% | 5,625 |
| Net charge-offs to loans | 0.3132% | 760 |
| Credit loss provision to net charge-offs | 69.0476% | 1,925 |
| Earnings coverage of net charge-offs (x) | 4.0476% | 2,537 |
| Efficiency ratio | 79.0382% | 2,032 |
| Assets per employee ($millions) | 3.0472% | 5,608 |
| Cash dividends to net income (ytd only)* | 140.4494% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 3,002 |
| Loan loss allowance to noncurrent loans | 60.8444% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 3.0456% | 613 |
| Noncurrent loans to loans | 2.2733% | 1,095 |
| Net loans and leases to total assets | 55.4746% | 4,262 |
| Net loans and leases to deposits | 61.7741% | 4,594 |
| Net loans and leases to core deposits | 64.8167% | 4,625 |
| Total domestic deposits to total assets | 89.8024% | 844 |
| Equity capital to assets | 9.9319% | 4,221 |
| Core capital (leverage) ratio | 10.0013% | 3,597 |
| Tier 1 risk-based capital ratio | 16.6080% | 2,635 |
| Total risk-based capital ratio | 17.8582% | 2,584 |
| Memoranda: | ||
| Average total assets | $93,421,500 | 4,739 |
| Average earning assets | $85,803,000 | 4,726 |
| Average equity | $9,333,500 | 4,910 |
| Average total loans | $53,633,000 | 4,683 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,749 |
| Cost of funding earning assets | 0.5242% | 2,449 |
| Net interest margin | 3.7339% | 2,861 |
| Noninterest income to average assets | 0.1760% | 5,804 |
| Noninterest expense to average assets | 2.8022% | 3,475 |
| Loan and lease loss provision to assets | 0.0733% | 3,015 |
| Net operating income to assets | 0.4514% | 5,014 |
| Return on assets (ROA) | 0.4494% | 5,115 |
| Pretax return on assets | 0.7085% | 4,593 |
| Return on Equity (ROE) | 4.5108% | 4,882 |
| Retained earnings to average equity (ytd only) | -0.7134% | 5,880 |
| Net charge-offs to loans | 0.2160% | 1,939 |
| Credit loss provision to net charge-offs | 55.8333% | 3,358 |
| Earnings coverage of net charge-offs (x) | 5.9833% | 3,302 |
| Efficiency ratio | 78.1164% | 2,195 |
| Assets per employee ($millions) | 3.0793% | 5,590 |
| Cash dividends to net income (ytd only)* | 115.8151% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 3,032 |
| Loan loss allowance to noncurrent loans | 99.8665% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.7896% | 772 |
| Noncurrent loans to loans | 1.3838% | 2,118 |
| Net loans and leases to total assets | 57.7831% | 4,076 |
| Net loans and leases to deposits | 64.3512% | 4,490 |
| Net loans and leases to core deposits | 67.6056% | 4,545 |
| Total domestic deposits to total assets | 89.7932% | 835 |
| Equity capital to assets | 10.0509% | 4,043 |
| Core capital (leverage) ratio | 10.1691% | 3,348 |
| Tier 1 risk-based capital ratio | 17.1618% | 2,445 |
| Total risk-based capital ratio | 18.4123% | 2,403 |
| Memoranda: | ||
| Average total assets | $91,465,400 | 4,799 |
| Average earning assets | $83,558,400 | 4,805 |
| Average equity | $9,111,400 | 4,951 |
| Average total loans | $55,560,400 | 4,628 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 2,749 |
| Cost of funding earning assets | 0.5281% | 2,487 |
| Net interest margin | 3.7416% | 2,853 |
| Noninterest income to average assets | 0.0643% | 6,344 |
| Noninterest expense to average assets | 2.8160% | 3,400 |
| Loan and lease loss provision to assets | 0.0102% | 4,218 |
| Net operating income to assets | 0.4149% | 5,193 |
| Return on assets (ROA) | 0.4121% | 5,280 |
| Pretax return on assets | 0.6503% | 4,871 |
| Return on Equity (ROE) | 4.1463% | 5,115 |
| Retained earnings to average equity (ytd only) | -2.8524% | 6,133 |
| Net charge-offs to loans | 0.1240% | 2,572 |
| Credit loss provision to net charge-offs | 13.4615% | 3,662 |
| Earnings coverage of net charge-offs (x) | 8.7502% | 2,752 |
| Efficiency ratio | 80.8984% | 1,776 |
| Assets per employee ($millions) | 3.0830% | 5,626 |
| Cash dividends to net income (ytd only)* | 168.7944% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 3,329 |
| Loan loss allowance to noncurrent loans | 117.0279% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 2.7376% | 909 |
| Noncurrent loans to loans | 1.1663% | 2,729 |
| Net loans and leases to total assets | 59.0674% | 3,919 |
| Net loans and leases to deposits | 65.6524% | 4,372 |
| Net loans and leases to core deposits | 68.9676% | 4,419 |
| Total domestic deposits to total assets | 89.9698% | 744 |
| Equity capital to assets | 9.8485% | 4,360 |
| Core capital (leverage) ratio | 10.0553% | 3,593 |
| Tier 1 risk-based capital ratio | 16.6407% | 2,754 |
| Total risk-based capital ratio | 17.8917% | 2,706 |
| Memoranda: | ||
| Average total assets | $91,236,750 | 4,861 |
| Average earning assets | $83,314,500 | 4,860 |
| Average equity | $9,068,000 | 4,993 |
| Average total loans | $55,918,500 | 4,660 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 2,558 |
| Cost of funding earning assets | 0.5293% | 2,547 |
| Net interest margin | 3.7779% | 2,645 |
| Noninterest income to average assets | 0.4294% | 4,027 |
| Noninterest expense to average assets | 2.8717% | 3,259 |
| Loan and lease loss provision to assets | 0.0154% | 3,956 |
| Net operating income to assets | 0.6252% | 4,219 |
| Return on assets (ROA) | 0.6210% | 4,339 |
| Pretax return on assets | 0.9778% | 3,570 |
| Return on Equity (ROE) | 6.2291% | 4,038 |
| Retained earnings to average equity (ytd only) | -1.5020% | 5,929 |
| Net charge-offs to loans | 0.1390% | 2,278 |
| Credit loss provision to net charge-offs | 17.9487% | 3,224 |
| Earnings coverage of net charge-offs (x) | 11.6410% | 2,140 |
| Efficiency ratio | 74.1752% | 2,948 |
| Assets per employee ($millions) | 3.0676% | 5,656 |
| Cash dividends to net income (ytd only)* | 124.1135% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 3,518 |
| Loan loss allowance to noncurrent loans | 134.2059% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 2.8524% | 911 |
| Noncurrent loans to loans | 1.0166% | 3,201 |
| Net loans and leases to total assets | 60.4092% | 3,651 |
| Net loans and leases to deposits | 67.3181% | 4,137 |
| Net loans and leases to core deposits | 70.7402% | 4,188 |
| Total domestic deposits to total assets | 89.7369% | 945 |
| Equity capital to assets | 10.0208% | 4,077 |
| Core capital (leverage) ratio | 10.3565% | 3,130 |
| Tier 1 risk-based capital ratio | 16.5284% | 2,810 |
| Total risk-based capital ratio | 17.7789% | 2,782 |
| Memoranda: | ||
| Average total assets | $90,818,670 | 4,913 |
| Average earning assets | $82,744,670 | 4,912 |
| Average equity | $9,054,330 | 5,015 |
| Average total loans | $56,095,330 | 4,688 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 2,681 |
| Cost of funding earning assets | 0.5346% | 2,555 |
| Net interest margin | 3.7182% | 2,794 |
| Noninterest income to average assets | 0.3237% | 4,778 |
| Noninterest expense to average assets | 2.8821% | 3,276 |
| Loan and lease loss provision to assets | 0.0222% | 3,541 |
| Net operating income to assets | 0.5274% | 4,566 |
| Return on assets (ROA) | 0.5188% | 4,666 |
| Pretax return on assets | 0.7981% | 4,124 |
| Return on Equity (ROE) | 5.2171% | 4,435 |
| Retained earnings to average equity (ytd only) | -10.3896% | 6,373 |
| Net charge-offs to loans | 0.2073% | 1,509 |
| Credit loss provision to net charge-offs | 17.2414% | 2,533 |
| Earnings coverage of net charge-offs (x) | 6.4828% | 2,216 |
| Efficiency ratio | 77.5656% | 2,540 |
| Assets per employee ($millions) | 2.8293% | 6,068 |
| Cash dividends to net income (ytd only)* | 299.1453% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 3,685 |
| Loan loss allowance to noncurrent loans | 73.7192% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.7878% | 1,071 |
| Noncurrent loans to loans | 1.8762% | 2,031 |
| Net loans and leases to total assets | 61.1893% | 3,366 |
| Net loans and leases to deposits | 68.0828% | 3,847 |
| Net loans and leases to core deposits | 71.3445% | 3,943 |
| Total domestic deposits to total assets | 89.8749% | 1,141 |
| Equity capital to assets | 9.8556% | 4,024 |
| Core capital (leverage) ratio | 10.2382% | 3,238 |
| Tier 1 risk-based capital ratio | 16.4158% | 2,942 |
| Total risk-based capital ratio | 17.6675% | 2,911 |
| Memoranda: | ||
| Average total assets | $90,213,500 | 4,963 |
| Average earning assets | $82,298,500 | 4,967 |
| Average equity | $8,970,500 | 5,059 |
| Average total loans | $55,961,500 | 4,725 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 2,667 |
| Cost of funding earning assets | 0.6168% | 2,513 |
| Net interest margin | 3.7602% | 2,802 |
| Noninterest income to average assets | 0.5008% | 3,752 |
| Noninterest expense to average assets | 2.8613% | 3,490 |
| Loan and lease loss provision to assets | 0.0663% | 3,799 |
| Net operating income to assets | 0.7054% | 3,772 |
| Return on assets (ROA) | 0.7054% | 3,858 |
| Pretax return on assets | 1.0039% | 3,333 |
| Return on Equity (ROE) | 7.0856% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.5863% | 2,229 |
| Net charge-offs to loans | 0.1839% | 2,999 |
| Credit loss provision to net charge-offs | 58.8235% | 3,603 |
| Earnings coverage of net charge-offs (x) | 9.4902% | 2,497 |
| Efficiency ratio | 72.7784% | 3,338 |
| Assets per employee ($millions) | 2.8997% | 5,988 |
| Cash dividends to net income (ytd only)* | 21.1599% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 3,486 |
| Loan loss allowance to noncurrent loans | 70.8223% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 3.0026% | 1,053 |
| Noncurrent loans to loans | 2.0288% | 1,960 |
| Net loans and leases to total assets | 61.1258% | 3,515 |
| Net loans and leases to deposits | 68.1518% | 4,032 |
| Net loans and leases to core deposits | 71.4605% | 4,133 |
| Total domestic deposits to total assets | 89.6907% | 1,226 |
| Equity capital to assets | 10.0323% | 3,724 |
| Core capital (leverage) ratio | 10.4697% | 2,949 |
| Tier 1 risk-based capital ratio | 16.9585% | 2,628 |
| Total risk-based capital ratio | 18.2109% | 2,589 |
| Memoranda: | ||
| Average total assets | $90,449,800 | 4,972 |
| Average earning assets | $82,521,400 | 4,967 |
| Average equity | $9,004,200 | 5,078 |
| Average total loans | $55,458,600 | 4,769 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 2,777 |
| Cost of funding earning assets | 0.6296% | 2,554 |
| Net interest margin | 3.7225% | 2,947 |
| Noninterest income to average assets | 0.4886% | 3,884 |
| Noninterest expense to average assets | 2.8612% | 3,439 |
| Loan and lease loss provision to assets | 0.0221% | 4,564 |
| Net operating income to assets | 0.7035% | 3,842 |
| Return on assets (ROA) | 0.7035% | 3,975 |
| Pretax return on assets | 0.9994% | 3,506 |
| Return on Equity (ROE) | 7.0807% | 3,600 |
| Retained earnings to average equity (ytd only) | 5.0809% | 3,020 |
| Net charge-offs to loans | 0.1324% | 3,215 |
| Credit loss provision to net charge-offs | 27.2727% | 3,946 |
| Earnings coverage of net charge-offs (x) | 12.6184% | 2,116 |
| Efficiency ratio | 73.6922% | 3,111 |
| Assets per employee ($millions) | 2.8945% | 6,018 |
| Cash dividends to net income (ytd only)* | 28.2433% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 3,709 |
| Loan loss allowance to noncurrent loans | 67.0284% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 3.0102% | 1,233 |
| Noncurrent loans to loans | 2.1552% | 2,058 |
| Net loans and leases to total assets | 61.0545% | 3,515 |
| Net loans and leases to deposits | 68.0712% | 4,054 |
| Net loans and leases to core deposits | 71.6511% | 4,134 |
| Total domestic deposits to total assets | 89.6922% | 1,175 |
| Equity capital to assets | 9.9947% | 3,907 |
| Core capital (leverage) ratio | 10.2449% | 3,332 |
| Tier 1 risk-based capital ratio | 16.6747% | 2,869 |
| Total risk-based capital ratio | 17.9273% | 2,830 |
| Memoranda: | ||
| Average total assets | $90,589,750 | 5,021 |
| Average earning assets | $82,594,250 | 5,011 |
| Average equity | $9,000,750 | 5,138 |
| Average total loans | $55,386,500 | 4,812 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,890 |
| Cost of funding earning assets | 0.6454% | 2,537 |
| Net interest margin | 3.6696% | 3,085 |
| Noninterest income to average assets | 0.5502% | 3,501 |
| Noninterest expense to average assets | 2.8478% | 3,523 |
| Loan and lease loss provision to assets | 0.0110% | 4,654 |
| Net operating income to assets | 0.7241% | 3,697 |
| Return on assets (ROA) | 0.7241% | 3,867 |
| Pretax return on assets | 1.0322% | 3,364 |
| Return on Equity (ROE) | 7.3016% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.3016% | 1,743 |
| Net charge-offs to loans | 0.1410% | 2,972 |
| Credit loss provision to net charge-offs | 12.8205% | 3,858 |
| Earnings coverage of net charge-offs (x) | 12.1538% | 1,999 |
| Efficiency ratio | 73.1900% | 3,281 |
| Assets per employee ($millions) | 2.9294% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 3,681 |
| Loan loss allowance to noncurrent loans | 79.9407% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 3.0635% | 1,322 |
| Noncurrent loans to loans | 1.8485% | 2,563 |
| Net loans and leases to total assets | 59.3970% | 3,760 |
| Net loans and leases to deposits | 66.0920% | 4,256 |
| Net loans and leases to core deposits | 69.7400% | 4,297 |
| Total domestic deposits to total assets | 89.8702% | 1,102 |
| Equity capital to assets | 9.8248% | 4,154 |
| Core capital (leverage) ratio | 10.2485% | 3,166 |
| Tier 1 risk-based capital ratio | 16.6822% | 2,847 |
| Total risk-based capital ratio | 17.9354% | 2,816 |
| Memoranda: | ||
| Average total assets | $90,877,000 | 5,039 |
| Average earning assets | $82,733,670 | 5,028 |
| Average equity | $9,011,670 | 5,165 |
| Average total loans | $55,320,000 | 4,838 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 3,082 |
| Cost of funding earning assets | 0.6582% | 2,581 |
| Net interest margin | 3.5958% | 3,281 |
| Noninterest income to average assets | 0.5368% | 3,522 |
| Noninterest expense to average assets | 2.9172% | 3,281 |
| Loan and lease loss provision to assets | 0.0220% | 4,192 |
| Net operating income to assets | 0.6160% | 4,136 |
| Return on assets (ROA) | 0.6160% | 4,296 |
| Pretax return on assets | 0.8668% | 3,888 |
| Return on Equity (ROE) | 6.1834% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.1834% | 2,581 |
| Net charge-offs to loans | -0.1007% | 6,450 |
| Credit loss provision to net charge-offs | -35.7143% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6474% | 2,821 |
| Assets per employee ($millions) | 3.0479% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 3,518 |
| Loan loss allowance to noncurrent loans | 67.4491% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 3.5883% | 1,171 |
| Noncurrent loans to loans | 2.3297% | 2,248 |
| Net loans and leases to total assets | 59.0511% | 3,599 |
| Net loans and leases to deposits | 65.8014% | 4,084 |
| Net loans and leases to core deposits | 69.7651% | 4,113 |
| Total domestic deposits to total assets | 89.7415% | 1,191 |
| Equity capital to assets | 9.9753% | 4,178 |
| Core capital (leverage) ratio | 10.1298% | 3,241 |
| Tier 1 risk-based capital ratio | 16.3368% | 3,090 |
| Total risk-based capital ratio | 17.5913% | 3,039 |
| Memoranda: | ||
| Average total assets | $90,910,000 | 5,078 |
| Average earning assets | $82,653,000 | 5,071 |
| Average equity | $9,056,500 | 5,212 |
| Average total loans | $55,606,000 | 4,871 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6290% | 2,885 |
| Cost of funding earning assets | 0.7601% | 3,014 |
| Net interest margin | 3.8689% | 2,949 |
| Noninterest income to average assets | 0.4418% | 4,304 |
| Noninterest expense to average assets | 2.8085% | 3,991 |
| Loan and lease loss provision to assets | 0.3399% | 1,980 |
| Net operating income to assets | 0.5272% | 4,568 |
| Return on assets (ROA) | 0.5823% | 4,580 |
| Pretax return on assets | 0.9086% | 3,890 |
| Return on Equity (ROE) | 5.6822% | 4,322 |
| Retained earnings to average equity (ytd only) | 1.6030% | 5,067 |
| Net charge-offs to loans | 0.6196% | 1,893 |
| Credit loss provision to net charge-offs | 85.7143% | 3,639 |
| Earnings coverage of net charge-offs (x) | 2.9314% | 3,961 |
| Efficiency ratio | 70.7275% | 3,671 |
| Assets per employee ($millions) | 3.0128% | 5,998 |
| Cash dividends to net income (ytd only)* | 71.7899% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 3,759 |
| Loan loss allowance to noncurrent loans | 48.5040% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 4.2696% | 984 |
| Noncurrent loans to loans | 3.0840% | 1,682 |
| Net loans and leases to total assets | 61.4191% | 3,354 |
| Net loans and leases to deposits | 68.3936% | 3,922 |
| Net loans and leases to core deposits | 72.8278% | 3,935 |
| Total domestic deposits to total assets | 89.8024% | 1,063 |
| Equity capital to assets | 9.9487% | 4,244 |
| Core capital (leverage) ratio | 10.0948% | 3,282 |
| Tier 1 risk-based capital ratio | 15.8400% | 3,248 |
| Total risk-based capital ratio | 17.0928% | 3,203 |
| Memoranda: | ||
| Average total assets | $88,269,000 | 5,132 |
| Average earning assets | $80,513,600 | 5,110 |
| Average equity | $9,045,800 | 5,209 |
| Average total loans | $56,485,600 | 4,852 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 3,064 |
| Cost of funding earning assets | 0.7797% | 3,115 |
| Net interest margin | 3.8588% | 3,083 |
| Noninterest income to average assets | 0.4072% | 4,580 |
| Noninterest expense to average assets | 2.8189% | 3,920 |
| Loan and lease loss provision to assets | 0.2173% | 2,891 |
| Net operating income to assets | 0.5744% | 4,499 |
| Return on assets (ROA) | 0.5744% | 4,773 |
| Pretax return on assets | 0.8981% | 4,106 |
| Return on Equity (ROE) | 5.5633% | 4,563 |
| Retained earnings to average equity (ytd only) | 3.8118% | 4,203 |
| Net charge-offs to loans | 0.1651% | 3,799 |
| Credit loss provision to net charge-offs | 204.2857% | 1,352 |
| Earnings coverage of net charge-offs (x) | 10.4858% | 2,182 |
| Efficiency ratio | 71.6493% | 3,385 |
| Assets per employee ($millions) | 3.0385% | 5,983 |
| Cash dividends to net income (ytd only)* | 31.4808% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7024% | 3,146 |
| Loan loss allowance to noncurrent loans | 40.3004% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 4.9616% | 905 |
| Noncurrent loans to loans | 4.2243% | 1,165 |
| Net loans and leases to total assets | 63.2988% | 3,155 |
| Net loans and leases to deposits | 70.8657% | 3,778 |
| Net loans and leases to core deposits | 75.6329% | 3,772 |
| Total domestic deposits to total assets | 89.3222% | 1,227 |
| Equity capital to assets | 10.4021% | 3,958 |
| Core capital (leverage) ratio | 10.3588% | 3,091 |
| Tier 1 risk-based capital ratio | 16.1430% | 3,198 |
| Total risk-based capital ratio | 17.3984% | 3,167 |
| Memoranda: | ||
| Average total assets | $87,740,250 | 5,194 |
| Average earning assets | $80,195,750 | 5,174 |
| Average equity | $9,059,250 | 5,251 |
| Average total loans | $56,518,000 | 4,902 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 3,019 |
| Cost of funding earning assets | 0.7956% | 3,219 |
| Net interest margin | 3.8809% | 2,992 |
| Noninterest income to average assets | 0.3127% | 5,313 |
| Noninterest expense to average assets | 2.8329% | 3,897 |
| Loan and lease loss provision to assets | 0.1438% | 3,719 |
| Net operating income to assets | 0.5661% | 4,511 |
| Return on assets (ROA) | 0.5661% | 4,792 |
| Pretax return on assets | 0.8880% | 4,124 |
| Return on Equity (ROE) | 5.4967% | 4,585 |
| Retained earnings to average equity (ytd only) | 5.4967% | 2,989 |
| Net charge-offs to loans | 0.0744% | 4,406 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 21.5238% | 1,339 |
| Efficiency ratio | 73.3018% | 3,191 |
| Assets per employee ($millions) | 3.0493% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 3,455 |
| Loan loss allowance to noncurrent loans | 38.2570% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 4.2146% | 1,189 |
| Noncurrent loans to loans | 4.2907% | 1,260 |
| Net loans and leases to total assets | 63.3563% | 3,173 |
| Net loans and leases to deposits | 70.9118% | 3,775 |
| Net loans and leases to core deposits | 75.6597% | 3,795 |
| Total domestic deposits to total assets | 89.3452% | 1,304 |
| Equity capital to assets | 10.3551% | 3,872 |
| Core capital (leverage) ratio | 10.3980% | 2,923 |
| Tier 1 risk-based capital ratio | 16.2579% | 3,025 |
| Total risk-based capital ratio | 17.5129% | 2,995 |
| Memoranda: | ||
| Average total assets | $87,614,670 | 5,238 |
| Average earning assets | $80,188,330 | 5,199 |
| Average equity | $9,023,670 | 5,259 |
| Average total loans | $56,443,000 | 4,934 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7008% | 3,054 |
| Cost of funding earning assets | 0.8278% | 3,256 |
| Net interest margin | 3.8730% | 3,039 |
| Noninterest income to average assets | 0.0688% | 6,862 |
| Noninterest expense to average assets | 2.8346% | 3,883 |
| Loan and lease loss provision to assets | 0.0917% | 4,206 |
| Net operating income to assets | 0.4357% | 5,104 |
| Return on assets (ROA) | 0.4357% | 5,289 |
| Pretax return on assets | 0.6834% | 4,849 |
| Return on Equity (ROE) | 4.2425% | 5,172 |
| Retained earnings to average equity (ytd only) | 4.2425% | 4,046 |
| Net charge-offs to loans | 0.1139% | 3,430 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 10.5625% | 1,745 |
| Efficiency ratio | 78.5260% | 2,422 |
| Assets per employee ($millions) | 3.0200% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,805 |
| Loan loss allowance to noncurrent loans | 36.8984% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 4.2544% | 1,279 |
| Noncurrent loans to loans | 4.2808% | 1,399 |
| Net loans and leases to total assets | 63.8178% | 2,881 |
| Net loans and leases to deposits | 71.3861% | 3,529 |
| Net loans and leases to core deposits | 76.2091% | 3,593 |
| Total domestic deposits to total assets | 89.3981% | 1,423 |
| Equity capital to assets | 10.2707% | 3,765 |
| Core capital (leverage) ratio | 10.2965% | 2,998 |
| Tier 1 risk-based capital ratio | 16.0590% | 3,145 |
| Total risk-based capital ratio | 17.3127% | 3,111 |
| Memoranda: | ||
| Average total assets | $87,207,000 | 5,286 |
| Average earning assets | $79,731,000 | 5,250 |
| Average equity | $8,957,000 | 5,294 |
| Average total loans | $56,184,000 | 4,973 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 3,847 |
| Cost of funding earning assets | 1.1505% | 2,352 |
| Net interest margin | 3.6418% | 4,553 |
| Noninterest income to average assets | 0.3276% | 5,200 |
| Noninterest expense to average assets | 2.7028% | 4,735 |
| Loan and lease loss provision to assets | 0.1333% | 4,947 |
| Net operating income to assets | 0.5271% | 4,318 |
| Return on assets (ROA) | 0.5263% | 4,523 |
| Pretax return on assets | 0.8262% | 3,883 |
| Return on Equity (ROE) | 5.4471% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.8153% | 3,499 |
| Net charge-offs to loans | 0.2353% | 4,310 |
| Credit loss provision to net charge-offs | 91.6031% | 3,940 |
| Earnings coverage of net charge-offs (x) | 6.6031% | 2,484 |
| Efficiency ratio | 73.7799% | 3,271 |
| Assets per employee ($millions) | 2.9943% | 6,096 |
| Cash dividends to net income (ytd only)* | 29.9578% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 3,560 |
| Loan loss allowance to noncurrent loans | 45.5148% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 3.8153% | 1,513 |
| Noncurrent loans to loans | 3.5300% | 1,818 |
| Net loans and leases to total assets | 62.9781% | 3,409 |
| Net loans and leases to deposits | 70.5876% | 4,010 |
| Net loans and leases to core deposits | 75.4127% | 4,053 |
| Total domestic deposits to total assets | 89.2198% | 1,409 |
| Equity capital to assets | 10.2712% | 3,821 |
| Core capital (leverage) ratio | 10.0571% | 3,272 |
| Tier 1 risk-based capital ratio | 16.0973% | 2,994 |
| Total risk-based capital ratio | 17.3513% | 2,952 |
| Memoranda: | ||
| Average total assets | $90,055,000 | 5,182 |
| Average earning assets | $82,487,600 | 5,157 |
| Average equity | $8,701,800 | 5,360 |
| Average total loans | $55,673,600 | 5,046 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7738% | 4,127 |
| Cost of funding earning assets | 1.2219% | 2,175 |
| Net interest margin | 3.5520% | 4,972 |
| Noninterest income to average assets | 0.3375% | 5,155 |
| Noninterest expense to average assets | 2.7030% | 4,715 |
| Loan and lease loss provision to assets | 0.1467% | 4,614 |
| Net operating income to assets | 0.4735% | 4,663 |
| Return on assets (ROA) | 0.4725% | 4,861 |
| Pretax return on assets | 0.7410% | 4,344 |
| Return on Equity (ROE) | 4.9647% | 4,545 |
| Retained earnings to average equity (ytd only) | 2.7753% | 4,700 |
| Net charge-offs to loans | 0.2609% | 3,803 |
| Credit loss provision to net charge-offs | 91.7431% | 3,716 |
| Earnings coverage of net charge-offs (x) | 5.5596% | 2,751 |
| Efficiency ratio | 75.2451% | 2,969 |
| Assets per employee ($millions) | 3.1020% | 5,892 |
| Cash dividends to net income (ytd only)* | 44.1000% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 3,594 |
| Loan loss allowance to noncurrent loans | 43.5523% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 4.0752% | 1,501 |
| Noncurrent loans to loans | 3.7050% | 1,840 |
| Net loans and leases to total assets | 60.6628% | 4,016 |
| Net loans and leases to deposits | 67.5342% | 4,685 |
| Net loans and leases to core deposits | 73.2693% | 4,554 |
| Total domestic deposits to total assets | 89.8253% | 961 |
| Equity capital to assets | 9.7590% | 4,687 |
| Core capital (leverage) ratio | 9.5782% | 4,025 |
| Tier 1 risk-based capital ratio | 15.5945% | 3,335 |
| Total risk-based capital ratio | 16.8485% | 3,296 |
| Memoranda: | ||
| Average total assets | $90,860,000 | 5,204 |
| Average earning assets | $83,257,250 | 5,179 |
| Average equity | $8,647,500 | 5,399 |
| Average total loans | $55,697,000 | 5,086 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8007% | 4,095 |
| Cost of funding earning assets | 1.2696% | 2,122 |
| Net interest margin | 3.5310% | 5,010 |
| Noninterest income to average assets | 0.2764% | 5,674 |
| Noninterest expense to average assets | 2.6920% | 4,854 |
| Loan and lease loss provision to assets | 0.1975% | 3,957 |
| Net operating income to assets | 0.3853% | 5,020 |
| Return on assets (ROA) | 0.3839% | 5,163 |
| Pretax return on assets | 0.6187% | 4,680 |
| Return on Equity (ROE) | 4.0680% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.3474% | 4,130 |
| Net charge-offs to loans | 0.3693% | 3,072 |
| Credit loss provision to net charge-offs | 87.3786% | 3,533 |
| Earnings coverage of net charge-offs (x) | 3.6214% | 3,106 |
| Efficiency ratio | 76.6875% | 2,903 |
| Assets per employee ($millions) | 3.1199% | 5,832 |
| Cash dividends to net income (ytd only)* | 17.7143% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 3,743 |
| Loan loss allowance to noncurrent loans | 58.0078% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 3.4318% | 1,923 |
| Noncurrent loans to loans | 2.7361% | 2,660 |
| Net loans and leases to total assets | 61.0637% | 4,075 |
| Net loans and leases to deposits | 67.8539% | 4,730 |
| Net loans and leases to core deposits | 73.6395% | 4,625 |
| Total domestic deposits to total assets | 89.9929% | 982 |
| Equity capital to assets | 9.6777% | 4,570 |
| Core capital (leverage) ratio | 9.4907% | 3,973 |
| Tier 1 risk-based capital ratio | 15.4322% | 3,282 |
| Total risk-based capital ratio | 16.6872% | 3,220 |
| Memoranda: | ||
| Average total assets | $91,160,670 | 5,232 |
| Average earning assets | $83,488,670 | 5,212 |
| Average equity | $8,603,670 | 5,432 |
| Average total loans | $55,774,000 | 5,137 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 4,206 |
| Cost of funding earning assets | 1.3511% | 1,880 |
| Net interest margin | 3.4183% | 5,356 |
| Noninterest income to average assets | 0.4240% | 4,500 |
| Noninterest expense to average assets | 2.6928% | 4,863 |
| Loan and lease loss provision to assets | 0.0874% | 4,914 |
| Net operating income to assets | 0.4924% | 4,518 |
| Return on assets (ROA) | 0.4896% | 4,609 |
| Pretax return on assets | 0.7694% | 4,020 |
| Return on Equity (ROE) | 5.2536% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.7995% | 3,891 |
| Net charge-offs to loans | 0.3885% | 2,522 |
| Credit loss provision to net charge-offs | 37.0370% | 4,001 |
| Earnings coverage of net charge-offs (x) | 3.6481% | 2,679 |
| Efficiency ratio | 75.7688% | 3,190 |
| Assets per employee ($millions) | 3.0754% | 5,995 |
| Cash dividends to net income (ytd only)* | 27.6786% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 3,856 |
| Loan loss allowance to noncurrent loans | 55.9846% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 3.7004% | 1,830 |
| Noncurrent loans to loans | 2.8091% | 2,689 |
| Net loans and leases to total assets | 59.0174% | 4,460 |
| Net loans and leases to deposits | 65.3324% | 5,073 |
| Net loans and leases to core deposits | 71.2230% | 4,900 |
| Total domestic deposits to total assets | 90.3339% | 945 |
| Equity capital to assets | 9.2802% | 4,763 |
| Core capital (leverage) ratio | 9.3245% | 4,088 |
| Tier 1 risk-based capital ratio | 15.1183% | 3,365 |
| Total risk-based capital ratio | 16.3726% | 3,320 |
| Memoranda: | ||
| Average total assets | $91,503,000 | 5,254 |
| Average earning assets | $83,784,000 | 5,242 |
| Average equity | $8,527,500 | 5,451 |
| Average total loans | $55,591,500 | 5,193 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 4,323 |
| Cost of funding earning assets | 1.6958% | 1,623 |
| Net interest margin | 3.3527% | 5,781 |
| Noninterest income to average assets | 0.3366% | 5,378 |
| Noninterest expense to average assets | 2.7404% | 4,815 |
| Loan and lease loss provision to assets | 0.1435% | 5,749 |
| Net operating income to assets | 0.3291% | 4,831 |
| Return on assets (ROA) | 0.3291% | 4,988 |
| Pretax return on assets | 0.5200% | 4,550 |
| Return on Equity (ROE) | 3.5803% | 4,708 |
| Retained earnings to average equity (ytd only) | 2.0425% | 4,443 |
| Net charge-offs to loans | 0.2115% | 5,022 |
| Credit loss provision to net charge-offs | 112.7119% | 3,872 |
| Earnings coverage of net charge-offs (x) | 5.2119% | 2,682 |
| Efficiency ratio | 80.5071% | 2,343 |
| Assets per employee ($millions) | 2.9273% | 6,255 |
| Cash dividends to net income (ytd only)* | 42.9508% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 3,511 |
| Loan loss allowance to noncurrent loans | 52.3451% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 4.3815% | 1,526 |
| Noncurrent loans to loans | 3.0915% | 2,466 |
| Net loans and leases to total assets | 60.5642% | 4,570 |
| Net loans and leases to deposits | 67.0518% | 5,247 |
| Net loans and leases to core deposits | 72.7106% | 5,139 |
| Total domestic deposits to total assets | 90.3245% | 921 |
| Equity capital to assets | 9.3592% | 4,603 |
| Core capital (leverage) ratio | 9.2774% | 4,049 |
| Tier 1 risk-based capital ratio | 14.8668% | 3,324 |
| Total risk-based capital ratio | 16.1206% | 3,282 |
| Memoranda: | ||
| Average total assets | $92,686,600 | 5,202 |
| Average earning assets | $84,797,200 | 5,189 |
| Average equity | $8,518,800 | 5,540 |
| Average total loans | $55,785,000 | 5,248 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0493% | 4,592 |
| Cost of funding earning assets | 1.7372% | 1,690 |
| Net interest margin | 3.3121% | 5,973 |
| Noninterest income to average assets | 0.3191% | 5,601 |
| Noninterest expense to average assets | 2.6932% | 4,910 |
| Loan and lease loss provision to assets | 0.1903% | 5,141 |
| Net operating income to assets | 0.3005% | 5,166 |
| Return on assets (ROA) | 0.3005% | 5,334 |
| Pretax return on assets | 0.4722% | 5,013 |
| Return on Equity (ROE) | 3.2842% | 5,104 |
| Retained earnings to average equity (ytd only) | 1.2355% | 5,320 |
| Net charge-offs to loans | 0.2486% | 4,447 |
| Credit loss provision to net charge-offs | 127.8846% | 3,178 |
| Earnings coverage of net charge-offs (x) | 4.4520% | 3,041 |
| Efficiency ratio | 80.2559% | 2,300 |
| Assets per employee ($millions) | 2.9803% | 6,192 |
| Cash dividends to net income (ytd only)* | 62.3808% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,431 |
| Loan loss allowance to noncurrent loans | 32.9268% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 4.7052% | 1,402 |
| Noncurrent loans to loans | 4.9316% | 1,415 |
| Net loans and leases to total assets | 60.1972% | 4,873 |
| Net loans and leases to deposits | 66.6231% | 5,590 |
| Net loans and leases to core deposits | 72.0840% | 5,500 |
| Total domestic deposits to total assets | 90.3548% | 697 |
| Equity capital to assets | 9.2739% | 5,182 |
| Core capital (leverage) ratio | 9.0506% | 4,600 |
| Tier 1 risk-based capital ratio | 14.5456% | 3,487 |
| Total risk-based capital ratio | 15.8001% | 3,451 |
| Memoranda: | ||
| Average total assets | $93,172,000 | 5,249 |
| Average earning assets | $85,421,750 | 5,218 |
| Average equity | $8,525,250 | 5,616 |
| Average total loans | $55,765,500 | 5,316 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 4,606 |
| Cost of funding earning assets | 1.7703% | 1,767 |
| Net interest margin | 3.3000% | 6,018 |
| Noninterest income to average assets | 0.3082% | 5,688 |
| Noninterest expense to average assets | 2.6778% | 4,999 |
| Loan and lease loss provision to assets | 0.2205% | 4,689 |
| Net operating income to assets | 0.2761% | 5,272 |
| Return on assets (ROA) | 0.2761% | 5,425 |
| Pretax return on assets | 0.4345% | 5,110 |
| Return on Equity (ROE) | 3.0314% | 5,211 |
| Retained earnings to average equity (ytd only) | 2.5614% | 4,517 |
| Net charge-offs to loans | 0.3026% | 3,799 |
| Credit loss provision to net charge-offs | 122.6190% | 3,297 |
| Earnings coverage of net charge-offs (x) | 3.6429% | 3,231 |
| Efficiency ratio | 80.3468% | 2,398 |
| Assets per employee ($millions) | 3.0252% | 6,090 |
| Cash dividends to net income (ytd only)* | 15.5039% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 3,361 |
| Loan loss allowance to noncurrent loans | 63.4078% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 3.1094% | 2,275 |
| Noncurrent loans to loans | 2.5577% | 3,094 |
| Net loans and leases to total assets | 58.7326% | 5,295 |
| Net loans and leases to deposits | 64.8565% | 5,927 |
| Net loans and leases to core deposits | 70.4979% | 5,828 |
| Total domestic deposits to total assets | 90.5578% | 661 |
| Equity capital to assets | 9.1468% | 5,221 |
| Core capital (leverage) ratio | 8.9766% | 4,640 |
| Tier 1 risk-based capital ratio | 14.5856% | 3,392 |
| Total risk-based capital ratio | 15.8391% | 3,355 |
| Memoranda: | ||
| Average total assets | $93,433,330 | 5,269 |
| Average earning assets | $85,636,330 | 5,250 |
| Average equity | $8,511,000 | 5,632 |
| Average total loans | $55,509,670 | 5,361 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0768% | 4,645 |
| Cost of funding earning assets | 1.8218% | 1,789 |
| Net interest margin | 3.2549% | 6,117 |
| Noninterest income to average assets | 0.5619% | 3,548 |
| Noninterest expense to average assets | 2.6721% | 5,049 |
| Loan and lease loss provision to assets | 0.1930% | 4,568 |
| Net operating income to assets | 0.4289% | 4,717 |
| Return on assets (ROA) | 0.4289% | 4,851 |
| Pretax return on assets | 0.6777% | 4,314 |
| Return on Equity (ROE) | 4.7184% | 4,526 |
| Retained earnings to average equity (ytd only) | 3.7747% | 3,879 |
| Net charge-offs to loans | 0.1013% | 4,404 |
| Credit loss provision to net charge-offs | 321.4286% | 1,234 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,425 |
| Efficiency ratio | 75.4237% | 3,320 |
| Assets per employee ($millions) | 3.1180% | 5,958 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 3,234 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 3.1676% | 2,261 |
| Noncurrent loans to loans | 2.9775% | 2,694 |
| Net loans and leases to total assets | 58.4749% | 5,357 |
| Net loans and leases to deposits | 64.5496% | 5,997 |
| Net loans and leases to core deposits | 70.2319% | 5,895 |
| Total domestic deposits to total assets | 90.5892% | 697 |
| Equity capital to assets | 9.0998% | 5,134 |
| Core capital (leverage) ratio | 9.0807% | 4,414 |
| Tier 1 risk-based capital ratio | 14.6092% | 3,312 |
| Total risk-based capital ratio | 15.8636% | 3,276 |
| Memoranda: | ||
| Average total assets | $93,259,500 | 5,344 |
| Average earning assets | $85,408,500 | 5,326 |
| Average equity | $8,477,500 | 5,694 |
| Average total loans | $55,270,500 | 5,447 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 5,013 |
| Cost of funding earning assets | 2.2743% | 1,755 |
| Net interest margin | 3.0592% | 6,494 |
| Noninterest income to average assets | -0.1598% | 7,840 |
| Noninterest expense to average assets | 2.7682% | 5,094 |
| Loan and lease loss provision to assets | 0.3026% | 5,016 |
| Net operating income to assets | -0.2676% | 5,921 |
| Return on assets (ROA) | -0.1598% | 5,782 |
| Pretax return on assets | -0.2632% | 5,791 |
| Return on Equity (ROE) | -1.7316% | 5,812 |
| Retained earnings to average equity (ytd only) | -3.2554% | 5,746 |
| Net charge-offs to loans | 0.4893% | 3,815 |
| Credit loss provision to net charge-offs | 107.1698% | 5,169 |
| Earnings coverage of net charge-offs (x) | -0.4566% | 6,663 |
| Efficiency ratio | 104.8849% | 929 |
| Assets per employee ($millions) | 2.9993% | 6,226 |
| Cash dividends to net income (ytd only)* | -88.0000% | 7,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 3,206 |
| Loan loss allowance to noncurrent loans | 54.4730% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 3.0792% | 2,255 |
| Noncurrent loans to loans | 2.9714% | 2,589 |
| Net loans and leases to total assets | 58.1148% | 5,649 |
| Net loans and leases to deposits | 64.1338% | 6,247 |
| Net loans and leases to core deposits | 86.8253% | 5,440 |
| Total domestic deposits to total assets | 90.6150% | 690 |
| Equity capital to assets | 9.0806% | 5,012 |
| Core capital (leverage) ratio | 8.8791% | 4,625 |
| Tier 1 risk-based capital ratio | 14.5352% | 3,188 |
| Total risk-based capital ratio | 15.7885% | 3,135 |
| Memoranda: | ||
| Average total assets | $93,851,000 | 5,273 |
| Average earning assets | $85,872,200 | 5,266 |
| Average equity | $8,662,400 | 5,712 |
| Average total loans | $54,164,400 | 5,496 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3887% | 5,007 |
| Cost of funding earning assets | 2.3504% | 1,806 |
| Net interest margin | 3.0383% | 6,497 |
| Noninterest income to average assets | 0.1602% | 7,052 |
| Noninterest expense to average assets | 2.7596% | 5,065 |
| Loan and lease loss provision to assets | 0.3246% | 4,386 |
| Net operating income to assets | -0.1115% | 5,906 |
| Return on assets (ROA) | 0.0609% | 5,615 |
| Pretax return on assets | 0.0794% | 5,561 |
| Return on Equity (ROE) | 0.6577% | 5,589 |
| Retained earnings to average equity (ytd only) | -1.3612% | 5,575 |
| Net charge-offs to loans | 0.5163% | 3,149 |
| Credit loss provision to net charge-offs | 109.5694% | 4,642 |
| Earnings coverage of net charge-offs (x) | 0.6077% | 5,424 |
| Efficiency ratio | 93.8766% | 1,407 |
| Assets per employee ($millions) | 3.0319% | 6,078 |
| Cash dividends to net income (ytd only)* | 306.9946% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 2,757 |
| Loan loss allowance to noncurrent loans | 76.7703% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 3.7908% | 1,710 |
| Noncurrent loans to loans | 2.1661% | 3,423 |
| Net loans and leases to total assets | 55.9315% | 6,149 |
| Net loans and leases to deposits | 61.8820% | 6,684 |
| Net loans and leases to core deposits | 83.0542% | 6,116 |
| Total domestic deposits to total assets | 90.3841% | 627 |
| Equity capital to assets | 9.1999% | 5,165 |
| Core capital (leverage) ratio | 9.0779% | 4,532 |
| Tier 1 risk-based capital ratio | 14.9682% | 3,052 |
| Total risk-based capital ratio | 16.2225% | 2,990 |
| Memoranda: | ||
| Average total assets | $94,069,250 | 5,299 |
| Average earning assets | $86,054,250 | 5,301 |
| Average equity | $8,717,250 | 5,747 |
| Average total loans | $53,974,750 | 5,556 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3747% | 5,281 |
| Cost of funding earning assets | 2.4148% | 1,908 |
| Net interest margin | 2.9599% | 6,656 |
| Noninterest income to average assets | 0.0786% | 7,593 |
| Noninterest expense to average assets | 2.8057% | 4,939 |
| Loan and lease loss provision to assets | 0.4187% | 3,443 |
| Net operating income to assets | -0.2702% | 6,293 |
| Return on assets (ROA) | -0.0553% | 5,999 |
| Pretax return on assets | -0.0978% | 5,991 |
| Return on Equity (ROE) | -0.5949% | 6,014 |
| Retained earnings to average equity (ytd only) | -0.5949% | 5,376 |
| Net charge-offs to loans | 0.4063% | 3,167 |
| Credit loss provision to net charge-offs | 179.0909% | 2,556 |
| Earnings coverage of net charge-offs (x) | -0.0636% | 5,762 |
| Efficiency ratio | 100.5331% | 1,150 |
| Assets per employee ($millions) | 3.0300% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8006% | 2,043 |
| Loan loss allowance to noncurrent loans | 91.1344% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 3.7549% | 1,631 |
| Noncurrent loans to loans | 1.9758% | 3,559 |
| Net loans and leases to total assets | 55.5046% | 6,273 |
| Net loans and leases to deposits | 61.4138% | 6,786 |
| Net loans and leases to core deposits | 82.6650% | 6,186 |
| Total domestic deposits to total assets | 90.3780% | 676 |
| Equity capital to assets | 9.2057% | 5,004 |
| Core capital (leverage) ratio | 9.1681% | 4,351 |
| Tier 1 risk-based capital ratio | 15.1815% | 2,944 |
| Total risk-based capital ratio | 16.4320% | 2,881 |
| Memoranda: | ||
| Average total assets | $94,095,670 | 5,340 |
| Average earning assets | $86,218,330 | 5,327 |
| Average equity | $8,740,670 | 5,765 |
| Average total loans | $54,146,670 | 5,598 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3240% | 5,794 |
| Cost of funding earning assets | 2.5229% | 1,831 |
| Net interest margin | 2.8011% | 6,988 |
| Noninterest income to average assets | -0.1826% | 8,159 |
| Noninterest expense to average assets | 2.9561% | 3,953 |
| Loan and lease loss provision to assets | 0.7730% | 1,667 |
| Net operating income to assets | -0.8442% | 7,150 |
| Return on assets (ROA) | -0.6838% | 7,078 |
| Pretax return on assets | -1.0958% | 7,198 |
| Return on Equity (ROE) | -7.3286% | 7,176 |
| Retained earnings to average equity (ytd only) | -7.3286% | 6,831 |
| Net charge-offs to loans | 0.4243% | 2,403 |
| Credit loss provision to net charge-offs | 313.7931% | 1,557 |
| Earnings coverage of net charge-offs (x) | -2.3276% | 5,487 |
| Efficiency ratio | 124.0642% | 583 |
| Assets per employee ($millions) | 3.0750% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 1,728 |
| Loan loss allowance to noncurrent loans | 89.5495% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 3.5301% | 1,519 |
| Noncurrent loans to loans | 2.0721% | 3,163 |
| Net loans and leases to total assets | 55.1540% | 6,341 |
| Net loans and leases to deposits | 60.9586% | 6,817 |
| Net loans and leases to core deposits | 81.2760% | 6,288 |
| Total domestic deposits to total assets | 90.4777% | 602 |
| Equity capital to assets | 9.0817% | 5,250 |
| Core capital (leverage) ratio | 9.0245% | 4,666 |
| Tier 1 risk-based capital ratio | 14.7590% | 3,177 |
| Total risk-based capital ratio | 16.0153% | 3,106 |
| Memoranda: | ||
| Average total assets | $94,178,000 | 5,370 |
| Average earning assets | $86,251,500 | 5,346 |
| Average equity | $8,787,500 | 5,778 |
| Average total loans | $54,674,000 | 5,603 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3869% | 3,481 |
| Cost of funding earning assets | 3.2037% | 1,179 |
| Net interest margin | 3.1832% | 6,415 |
| Noninterest income to average assets | 0.3850% | 5,600 |
| Noninterest expense to average assets | 2.4964% | 6,024 |
| Loan and lease loss provision to assets | 0.6951% | 2,109 |
| Net operating income to assets | 0.0847% | 6,147 |
| Return on assets (ROA) | 0.1030% | 5,947 |
| Pretax return on assets | 0.1290% | 5,885 |
| Return on Equity (ROE) | 1.1141% | 5,884 |
| Retained earnings to average equity (ytd only) | -1.8680% | 5,833 |
| Net charge-offs to loans | 0.8262% | 1,515 |
| Credit loss provision to net charge-offs | 145.5338% | 3,628 |
| Earnings coverage of net charge-offs (x) | 1.6776% | 5,245 |
| Efficiency ratio | 75.7021% | 3,283 |
| Assets per employee ($millions) | 3.0010% | 6,055 |
| Cash dividends to net income (ytd only)* | 267.6768% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 2,401 |
| Loan loss allowance to noncurrent loans | 77.1961% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 3.5461% | 1,250 |
| Noncurrent loans to loans | 2.0205% | 2,740 |
| Net loans and leases to total assets | 59.0216% | 6,047 |
| Net loans and leases to deposits | 65.5473% | 6,674 |
| Net loans and leases to core deposits | 86.1777% | 6,119 |
| Total domestic deposits to total assets | 90.0443% | 634 |
| Equity capital to assets | 9.5859% | 4,563 |
| Core capital (leverage) ratio | 9.3009% | 4,300 |
| Tier 1 risk-based capital ratio | 14.7675% | 3,163 |
| Total risk-based capital ratio | 16.0197% | 3,088 |
| Memoranda: | ||
| Average total assets | $96,097,000 | 5,167 |
| Average earning assets | $87,929,800 | 5,151 |
| Average equity | $8,886,400 | 5,777 |
| Average total loans | $55,558,200 | 5,468 |