Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5708% | 326 |
| Cost of funding earning assets | 0.7671% | 3,814 |
| Net interest margin | 5.8037% | 131 |
| Noninterest income to average assets | 0.9800% | 657 |
| Noninterest expense to average assets | 4.4211% | 288 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3618% | 1,293 |
| Return on assets (ROA) | 1.3618% | 1,264 |
| Pretax return on assets | 1.7577% | 949 |
| Return on Equity (ROE) | 14.7100% | 1,342 |
| Retained earnings to average equity (ytd only) | 0.7164% | 3,895 |
| Net charge-offs to loans | 0.0485% | 1,388 |
| Credit loss provision to net charge-offs | 180.5556% | 1,306 |
| Earnings coverage of net charge-offs (x) | 48.9167% | 1,304 |
| Efficiency ratio | 70.7815% | 1,784 |
| Assets per employee ($millions) | 3.0219% | 4,381 |
| Cash dividends to net income (ytd only)* | 95.1294% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,040 |
| Loan loss allowance to noncurrent loans | 135.7268% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 902 |
| Noncurrent loans to loans | 0.7782% | 1,000 |
| Net loans and leases to total assets | 77.5000% | 916 |
| Net loans and leases to deposits | 87.9462% | 1,441 |
| Net loans and leases to core deposits | 92.1885% | 1,889 |
| Total domestic deposits to total assets | 88.1300% | 1,301 |
| Equity capital to assets | 9.2423% | 2,515 |
| Core capital (leverage) ratio | 9.3411% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5335% | 2,053 |
| Memoranda: | ||
| Average total assets | $96,492,000 | 3,858 |
| Average earning assets | $87,599,600 | 3,854 |
| Average equity | $8,933,200 | 3,829 |
| Average total loans | $74,165,400 | 3,492 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4211% | 330 |
| Cost of funding earning assets | 0.6733% | 3,821 |
| Net interest margin | 5.7478% | 136 |
| Noninterest income to average assets | 0.9700% | 676 |
| Noninterest expense to average assets | 4.3828% | 293 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.3923% | 1,339 |
| Return on assets (ROA) | 1.3923% | 1,324 |
| Pretax return on assets | 1.7970% | 1,014 |
| Return on Equity (ROE) | 15.0300% | 1,437 |
| Retained earnings to average equity (ytd only) | 15.0333% | 551 |
| Net charge-offs to loans | 0.0377% | 1,349 |
| Credit loss provision to net charge-offs | 71.4286% | 1,801 |
| Earnings coverage of net charge-offs (x) | 63.0952% | 1,175 |
| Efficiency ratio | 70.6858% | 1,708 |
| Assets per employee ($millions) | 3.0473% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,465 |
| Loan loss allowance to noncurrent loans | 701.9048% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 2,833 |
| Noncurrent loans to loans | 0.1396% | 2,854 |
| Net loans and leases to total assets | 78.8400% | 774 |
| Net loans and leases to deposits | 88.2464% | 1,365 |
| Net loans and leases to core deposits | 91.3977% | 1,840 |
| Total domestic deposits to total assets | 89.3400% | 1,145 |
| Equity capital to assets | 10.1136% | 1,765 |
| Core capital (leverage) ratio | 10.2230% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6931% | 1,382 |
| Memoranda: | ||
| Average total assets | $97,195,500 | 3,866 |
| Average earning assets | $88,518,250 | 3,861 |
| Average equity | $9,002,000 | 3,824 |
| Average total loans | $74,362,000 | 3,492 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2239% | 339 |
| Cost of funding earning assets | 0.5948% | 3,763 |
| Net interest margin | 5.6291% | 153 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 4.3321% | 293 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3842% | 1,372 |
| Return on assets (ROA) | 1.3842% | 1,350 |
| Pretax return on assets | 1.7940% | 1,023 |
| Return on Equity (ROE) | 15.4000% | 1,389 |
| Retained earnings to average equity (ytd only) | 15.4003% | 527 |
| Net charge-offs to loans | -0.0189% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.7155% | 1,697 |
| Assets per employee ($millions) | 2.9498% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,393 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 76.1900% | 1,030 |
| Net loans and leases to deposits | 84.5785% | 1,618 |
| Net loans and leases to core deposits | 88.5219% | 1,894 |
| Total domestic deposits to total assets | 90.0800% | 906 |
| Equity capital to assets | 9.4439% | 2,193 |
| Core capital (leverage) ratio | 9.6681% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0513% | 1,561 |
| Memoranda: | ||
| Average total assets | $98,105,000 | 3,873 |
| Average earning assets | $89,783,000 | 3,870 |
| Average equity | $8,818,000 | 3,867 |
| Average total loans | $74,077,000 | 3,503 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9257% | 342 |
| Cost of funding earning assets | 0.4661% | 3,788 |
| Net interest margin | 5.4596% | 158 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 4.2767% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2591% | 1,775 |
| Return on assets (ROA) | 1.2591% | 1,747 |
| Pretax return on assets | 1.6287% | 1,403 |
| Return on Equity (ROE) | 14.3700% | 1,698 |
| Retained earnings to average equity (ytd only) | 14.3676% | 893 |
| Net charge-offs to loans | -0.0163% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.4209% | 1,502 |
| Assets per employee ($millions) | 2.9568% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,413 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 74.2500% | 1,171 |
| Net loans and leases to deposits | 82.0709% | 1,649 |
| Net loans and leases to core deposits | 85.5367% | 1,894 |
| Total domestic deposits to total assets | 90.4700% | 987 |
| Equity capital to assets | 9.0330% | 2,494 |
| Core capital (leverage) ratio | 9.2559% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7054% | 1,718 |
| Memoranda: | ||
| Average total assets | $98,486,000 | 3,920 |
| Average earning assets | $90,116,500 | 3,916 |
| Average equity | $8,630,500 | 3,935 |
| Average total loans | $73,658,000 | 3,550 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3554% | 184 |
| Cost of funding earning assets | 0.1610% | 4,054 |
| Net interest margin | 5.1945% | 118 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 4.2262% | 291 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.0161% | 2,509 |
| Return on assets (ROA) | 1.0161% | 2,454 |
| Pretax return on assets | 1.3531% | 1,926 |
| Return on Equity (ROE) | 12.0200% | 2,127 |
| Retained earnings to average equity (ytd only) | 7.2022% | 2,143 |
| Net charge-offs to loans | -0.0427% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.3907% | 1,175 |
| Assets per employee ($millions) | 3.0120% | 4,529 |
| Cash dividends to net income (ytd only)* | 40.0802% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 3,190 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 73.7900% | 1,235 |
| Net loans and leases to deposits | 80.9697% | 1,695 |
| Net loans and leases to core deposits | 84.2945% | 1,863 |
| Total domestic deposits to total assets | 91.1400% | 902 |
| Equity capital to assets | 8.4983% | 2,702 |
| Core capital (leverage) ratio | 8.6933% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8963% | 2,014 |
| Memoranda: | ||
| Average total assets | $98,219,600 | 3,945 |
| Average earning assets | $88,844,800 | 3,939 |
| Average equity | $8,303,000 | 4,066 |
| Average total loans | $70,243,400 | 3,573 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1999% | 163 |
| Cost of funding earning assets | 0.1238% | 4,093 |
| Net interest margin | 5.0761% | 110 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 4.1568% | 296 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.9422% | 2,696 |
| Return on assets (ROA) | 0.9422% | 2,661 |
| Pretax return on assets | 1.2758% | 2,124 |
| Return on Equity (ROE) | 11.1600% | 2,315 |
| Retained earnings to average equity (ytd only) | 11.1606% | 1,007 |
| Net charge-offs to loans | -0.0423% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.6455% | 1,214 |
| Assets per employee ($millions) | 3.0058% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,264 |
| Loan loss allowance to noncurrent loans | 1,544.8980% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,397 |
| Noncurrent loans to loans | 0.0678% | 3,392 |
| Net loans and leases to total assets | 72.0700% | 1,292 |
| Net loans and leases to deposits | 79.1797% | 1,621 |
| Net loans and leases to core deposits | 81.7962% | 1,779 |
| Total domestic deposits to total assets | 91.0200% | 1,235 |
| Equity capital to assets | 8.5813% | 2,492 |
| Core capital (leverage) ratio | 9.0185% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3480% | 2,341 |
| Memoranda: | ||
| Average total assets | $97,925,500 | 3,970 |
| Average earning assets | $88,281,250 | 3,973 |
| Average equity | $8,267,000 | 4,113 |
| Average total loans | $69,276,000 | 3,602 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0157% | 165 |
| Cost of funding earning assets | 0.1228% | 3,932 |
| Net interest margin | 4.8930% | 114 |
| Noninterest income to average assets | 1.0174% | 641 |
| Noninterest expense to average assets | 4.1906% | 252 |
| Loan and lease loss provision to assets | 0.2051% | 400 |
| Net operating income to assets | 0.8164% | 2,898 |
| Return on assets (ROA) | 0.8164% | 2,868 |
| Pretax return on assets | 1.0359% | 2,619 |
| Return on Equity (ROE) | 9.7247% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.7247% | 1,093 |
| Net charge-offs to loans | -0.0469% | 4,214 |
| Credit loss provision to net charge-offs | -625.0000% | 3,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1526% | 1,160 |
| Assets per employee ($millions) | 2.8376% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,319 |
| Loan loss allowance to noncurrent loans | 283.3962% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 1,937 |
| Noncurrent loans to loans | 0.3744% | 2,020 |
| Net loans and leases to total assets | 72.5912% | 1,046 |
| Net loans and leases to deposits | 79.7522% | 1,405 |
| Net loans and leases to core deposits | 82.4632% | 1,561 |
| Total domestic deposits to total assets | 91.0209% | 1,234 |
| Equity capital to assets | 8.5686% | 2,708 |
| Core capital (leverage) ratio | 8.7359% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7234% | 2,195 |
| Memoranda: | ||
| Average total assets | $97,503,000 | 4,016 |
| Average earning assets | $87,963,000 | 4,030 |
| Average equity | $8,185,333 | 4,183 |
| Average total loans | $68,287,333 | 3,647 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 178 |
| Cost of funding earning assets | 0.1266% | 3,815 |
| Net interest margin | 4.7571% | 125 |
| Noninterest income to average assets | 0.9958% | 682 |
| Noninterest expense to average assets | 4.3055% | 228 |
| Loan and lease loss provision to assets | 0.2449% | 269 |
| Net operating income to assets | 0.5877% | 3,433 |
| Return on assets (ROA) | 0.5877% | 3,417 |
| Pretax return on assets | 0.7387% | 3,280 |
| Return on Equity (ROE) | 7.0723% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.0723% | 1,870 |
| Net charge-offs to loans | 0.0656% | 671 |
| Credit loss provision to net charge-offs | 545.4545% | 488 |
| Earnings coverage of net charge-offs (x) | 21.9091% | 1,246 |
| Efficiency ratio | 81.4043% | 1,035 |
| Assets per employee ($millions) | 2.9211% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 3,785 |
| Loan loss allowance to noncurrent loans | 256.1798% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 2,064 |
| Noncurrent loans to loans | 0.3848% | 2,106 |
| Net loans and leases to total assets | 69.1762% | 1,100 |
| Net loans and leases to deposits | 75.7150% | 1,476 |
| Net loans and leases to core deposits | 78.2013% | 1,600 |
| Total domestic deposits to total assets | 91.3639% | 865 |
| Equity capital to assets | 8.2041% | 3,404 |
| Core capital (leverage) ratio | 8.4684% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,014,500 | 4,025 |
| Average earning assets | $88,456,500 | 4,037 |
| Average equity | $8,144,500 | 4,254 |
| Average total loans | $67,037,500 | 3,681 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 142 |
| Cost of funding earning assets | 0.2823% | 2,577 |
| Net interest margin | 5.1376% | 115 |
| Noninterest income to average assets | 1.0297% | 941 |
| Noninterest expense to average assets | 3.9748% | 294 |
| Loan and lease loss provision to assets | 0.5715% | 92 |
| Net operating income to assets | 0.8619% | 3,154 |
| Return on assets (ROA) | 0.8635% | 3,213 |
| Pretax return on assets | 1.1270% | 2,887 |
| Return on Equity (ROE) | 10.2680% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.6389% | 1,005 |
| Net charge-offs to loans | 0.8612% | 77 |
| Credit loss provision to net charge-offs | 101.6949% | 1,774 |
| Earnings coverage of net charge-offs (x) | 3.0188% | 2,563 |
| Efficiency ratio | 70.0877% | 1,721 |
| Assets per employee ($millions) | 2.7632% | 4,720 |
| Cash dividends to net income (ytd only)* | 6.1275% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,821 |
| Loan loss allowance to noncurrent loans | 167.9894% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 1,662 |
| Noncurrent loans to loans | 0.5843% | 1,676 |
| Net loans and leases to total assets | 66.2300% | 1,447 |
| Net loans and leases to deposits | 72.6653% | 1,846 |
| Net loans and leases to core deposits | 75.1231% | 1,987 |
| Total domestic deposits to total assets | 91.1439% | 439 |
| Equity capital to assets | 8.4177% | 4,105 |
| Core capital (leverage) ratio | 7.8398% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,494,600 | 4,049 |
| Average earning assets | $85,369,800 | 4,067 |
| Average equity | $7,947,000 | 4,332 |
| Average total loans | $61,657,600 | 3,787 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 139 |
| Cost of funding earning assets | 0.2719% | 2,875 |
| Net interest margin | 5.2691% | 110 |
| Noninterest income to average assets | 1.0219% | 1,035 |
| Noninterest expense to average assets | 3.8350% | 330 |
| Loan and lease loss provision to assets | 0.2555% | 356 |
| Net operating income to assets | 1.2723% | 1,910 |
| Return on assets (ROA) | 1.2745% | 1,964 |
| Pretax return on assets | 1.6918% | 1,427 |
| Return on Equity (ROE) | 15.1586% | 1,112 |
| Retained earnings to average equity (ytd only) | 15.1586% | 373 |
| Net charge-offs to loans | -0.0175% | 3,921 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3556% | 2,053 |
| Assets per employee ($millions) | 2.7771% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,550 |
| Loan loss allowance to noncurrent loans | 215.0396% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 1,889 |
| Noncurrent loans to loans | 0.5990% | 1,814 |
| Net loans and leases to total assets | 64.2551% | 1,736 |
| Net loans and leases to deposits | 71.8190% | 2,068 |
| Net loans and leases to core deposits | 74.5076% | 2,184 |
| Total domestic deposits to total assets | 89.4681% | 1,026 |
| Equity capital to assets | 8.5484% | 4,177 |
| Core capital (leverage) ratio | 8.5234% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,940,000 | 4,103 |
| Average earning assets | $84,819,000 | 4,123 |
| Average equity | $7,898,500 | 4,399 |
| Average total loans | $60,900,000 | 3,852 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7824% | 119 |
| Cost of funding earning assets | 0.2915% | 2,859 |
| Net interest margin | 5.4909% | 101 |
| Noninterest income to average assets | 1.0447% | 1,005 |
| Noninterest expense to average assets | 3.7457% | 354 |
| Loan and lease loss provision to assets | 0.2585% | 376 |
| Net operating income to assets | 1.4763% | 1,359 |
| Return on assets (ROA) | 1.4798% | 1,410 |
| Pretax return on assets | 1.9945% | 847 |
| Return on Equity (ROE) | 17.7024% | 688 |
| Retained earnings to average equity (ytd only) | 17.7024% | 236 |
| Net charge-offs to loans | -0.0200% | 3,994 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4865% | 2,663 |
| Assets per employee ($millions) | 2.7992% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,954 |
| Loan loss allowance to noncurrent loans | 168.4564% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 1,782 |
| Noncurrent loans to loans | 0.7098% | 1,666 |
| Net loans and leases to total assets | 65.3774% | 1,776 |
| Net loans and leases to deposits | 73.0525% | 2,101 |
| Net loans and leases to core deposits | 75.8432% | 2,253 |
| Total domestic deposits to total assets | 89.4938% | 1,031 |
| Equity capital to assets | 8.5067% | 4,198 |
| Core capital (leverage) ratio | 8.4244% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6684% | 2,101 |
| Memoranda: | ||
| Average total assets | $92,853,333 | 4,143 |
| Average earning assets | $83,702,000 | 4,160 |
| Average equity | $7,761,667 | 4,440 |
| Average total loans | $60,109,667 | 3,897 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7907% | 138 |
| Cost of funding earning assets | 0.3144% | 2,850 |
| Net interest margin | 5.4762% | 108 |
| Noninterest income to average assets | 0.9684% | 1,190 |
| Noninterest expense to average assets | 3.8825% | 313 |
| Loan and lease loss provision to assets | 0.2617% | 385 |
| Net operating income to assets | 1.3672% | 1,642 |
| Return on assets (ROA) | 1.3741% | 1,710 |
| Pretax return on assets | 1.7711% | 1,355 |
| Return on Equity (ROE) | 16.5910% | 911 |
| Retained earnings to average equity (ytd only) | 16.5910% | 458 |
| Net charge-offs to loans | -0.0273% | 4,131 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7312% | 2,265 |
| Assets per employee ($millions) | 2.7765% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 3,019 |
| Loan loss allowance to noncurrent loans | 182.3219% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 2,201 |
| Noncurrent loans to loans | 0.6484% | 1,948 |
| Net loans and leases to total assets | 61.1896% | 2,379 |
| Net loans and leases to deposits | 68.0838% | 2,696 |
| Net loans and leases to core deposits | 71.0413% | 2,781 |
| Total domestic deposits to total assets | 89.8739% | 881 |
| Equity capital to assets | 8.1981% | 4,366 |
| Core capital (leverage) ratio | 8.4748% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1397% | 1,858 |
| Memoranda: | ||
| Average total assets | $91,694,000 | 4,166 |
| Average earning assets | $82,685,000 | 4,184 |
| Average equity | $7,594,500 | 4,476 |
| Average total loans | $58,677,500 | 3,933 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9372% | 102 |
| Cost of funding earning assets | 0.6075% | 2,260 |
| Net interest margin | 5.3298% | 81 |
| Noninterest income to average assets | 1.0556% | 954 |
| Noninterest expense to average assets | 4.1302% | 331 |
| Loan and lease loss provision to assets | 0.1630% | 2,340 |
| Net operating income to assets | 1.1748% | 1,634 |
| Return on assets (ROA) | 1.1793% | 1,728 |
| Pretax return on assets | 1.5221% | 1,258 |
| Return on Equity (ROE) | 13.6656% | 891 |
| Retained earnings to average equity (ytd only) | 0.6383% | 4,333 |
| Net charge-offs to loans | 0.2014% | 856 |
| Credit loss provision to net charge-offs | 123.9316% | 2,607 |
| Earnings coverage of net charge-offs (x) | 12.7692% | 2,313 |
| Efficiency ratio | 71.0913% | 1,801 |
| Assets per employee ($millions) | 2.5425% | 4,888 |
| Cash dividends to net income (ytd only)* | 95.3289% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,629 |
| Loan loss allowance to noncurrent loans | 229.3040% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 2,770 |
| Noncurrent loans to loans | 0.4635% | 2,575 |
| Net loans and leases to total assets | 65.4864% | 2,160 |
| Net loans and leases to deposits | 73.0510% | 2,585 |
| Net loans and leases to core deposits | 76.4312% | 2,686 |
| Total domestic deposits to total assets | 89.6447% | 703 |
| Equity capital to assets | 8.3719% | 4,540 |
| Core capital (leverage) ratio | 7.9129% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2643% | 2,139 |
| Memoranda: | ||
| Average total assets | $88,954,400 | 4,127 |
| Average earning assets | $79,346,600 | 4,165 |
| Average equity | $7,676,200 | 4,459 |
| Average total loans | $58,097,800 | 3,952 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9931% | 113 |
| Cost of funding earning assets | 0.6156% | 2,514 |
| Net interest margin | 5.3774% | 87 |
| Noninterest income to average assets | 1.0433% | 958 |
| Noninterest expense to average assets | 4.1222% | 339 |
| Loan and lease loss provision to assets | 0.2170% | 1,850 |
| Net operating income to assets | 1.1484% | 1,827 |
| Return on assets (ROA) | 1.1377% | 1,976 |
| Pretax return on assets | 1.4825% | 1,483 |
| Return on Equity (ROE) | 13.0869% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.0869% | 323 |
| Net charge-offs to loans | 0.2234% | 685 |
| Credit loss provision to net charge-offs | 149.4845% | 2,329 |
| Earnings coverage of net charge-offs (x) | 11.7835% | 2,282 |
| Efficiency ratio | 70.6396% | 1,802 |
| Assets per employee ($millions) | 2.6139% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 3,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,350 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 61.3188% | 3,083 |
| Net loans and leases to deposits | 71.0472% | 3,211 |
| Net loans and leases to core deposits | 74.3196% | 3,300 |
| Total domestic deposits to total assets | 86.3071% | 1,936 |
| Equity capital to assets | 8.6791% | 4,348 |
| Core capital (leverage) ratio | 8.6623% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,946,000 | 4,134 |
| Average earning assets | $79,267,500 | 4,176 |
| Average equity | $7,732,750 | 4,477 |
| Average total loans | $57,897,000 | 3,972 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2597% | 107 |
| Cost of funding earning assets | 0.6623% | 2,614 |
| Net interest margin | 5.5974% | 86 |
| Noninterest income to average assets | 1.0547% | 893 |
| Noninterest expense to average assets | 4.2257% | 321 |
| Loan and lease loss provision to assets | 0.3325% | 1,285 |
| Net operating income to assets | 1.1312% | 1,874 |
| Return on assets (ROA) | 1.1258% | 2,003 |
| Pretax return on assets | 1.4697% | 1,528 |
| Return on Equity (ROE) | 12.9415% | 1,111 |
| Retained earnings to average equity (ytd only) | 12.9415% | 361 |
| Net charge-offs to loans | 0.2840% | 560 |
| Credit loss provision to net charge-offs | 176.8293% | 2,007 |
| Earnings coverage of net charge-offs (x) | 9.6220% | 2,208 |
| Efficiency ratio | 70.0228% | 1,953 |
| Assets per employee ($millions) | 2.5032% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,020 |
| Loan loss allowance to noncurrent loans | 871.0526% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 4,002 |
| Noncurrent loans to loans | 0.1269% | 3,952 |
| Net loans and leases to total assets | 63.9368% | 2,889 |
| Net loans and leases to deposits | 73.9972% | 3,074 |
| Net loans and leases to core deposits | 77.1979% | 3,176 |
| Total domestic deposits to total assets | 86.4044% | 1,841 |
| Equity capital to assets | 8.5264% | 4,463 |
| Core capital (leverage) ratio | 8.6463% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,228,000 | 4,160 |
| Average earning assets | $77,607,000 | 4,205 |
| Average equity | $7,588,000 | 4,511 |
| Average total loans | $57,746,667 | 3,981 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2186% | 127 |
| Cost of funding earning assets | 0.7392% | 2,726 |
| Net interest margin | 5.4795% | 93 |
| Noninterest income to average assets | 1.2114% | 598 |
| Noninterest expense to average assets | 4.4527% | 319 |
| Loan and lease loss provision to assets | 0.0473% | 3,189 |
| Net operating income to assets | 1.2303% | 1,428 |
| Return on assets (ROA) | 1.2303% | 1,531 |
| Pretax return on assets | 1.5521% | 1,170 |
| Return on Equity (ROE) | 13.9907% | 698 |
| Retained earnings to average equity (ytd only) | 13.9907% | 251 |
| Net charge-offs to loans | 0.5787% | 254 |
| Credit loss provision to net charge-offs | 12.1951% | 2,225 |
| Earnings coverage of net charge-offs (x) | 4.1220% | 2,156 |
| Efficiency ratio | 73.5731% | 1,876 |
| Assets per employee ($millions) | 2.2502% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 3,962 |
| Loan loss allowance to noncurrent loans | 693.4211% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 3,292 |
| Noncurrent loans to loans | 0.1359% | 3,977 |
| Net loans and leases to total assets | 64.7846% | 2,970 |
| Net loans and leases to deposits | 75.5733% | 3,111 |
| Net loans and leases to core deposits | 79.1518% | 3,275 |
| Total domestic deposits to total assets | 85.7241% | 2,117 |
| Equity capital to assets | 8.8003% | 4,692 |
| Core capital (leverage) ratio | 8.8701% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2009% | 1,846 |
| Memoranda: | ||
| Average total assets | $84,533,000 | 4,202 |
| Average earning assets | $74,679,000 | 4,244 |
| Average equity | $7,433,500 | 4,559 |
| Average total loans | $56,680,500 | 4,017 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1953% | 168 |
| Cost of funding earning assets | 0.7519% | 2,906 |
| Net interest margin | 5.4434% | 125 |
| Noninterest income to average assets | 1.2448% | 609 |
| Noninterest expense to average assets | 4.3351% | 359 |
| Loan and lease loss provision to assets | 0.1930% | 1,058 |
| Net operating income to assets | 1.2245% | 1,966 |
| Return on assets (ROA) | 1.2207% | 2,070 |
| Pretax return on assets | 1.5934% | 1,505 |
| Return on Equity (ROE) | 13.4467% | 1,036 |
| Retained earnings to average equity (ytd only) | 0.8238% | 4,452 |
| Net charge-offs to loans | 0.2001% | 1,020 |
| Credit loss provision to net charge-offs | 141.5929% | 1,826 |
| Earnings coverage of net charge-offs (x) | 13.1416% | 2,373 |
| Efficiency ratio | 70.7620% | 2,056 |
| Assets per employee ($millions) | 2.1989% | 5,061 |
| Cash dividends to net income (ytd only)* | 93.8735% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,263 |
| Loan loss allowance to noncurrent loans | 49.8336% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6444% | 580 |
| Noncurrent loans to loans | 2.0927% | 604 |
| Net loans and leases to total assets | 68.0234% | 2,677 |
| Net loans and leases to deposits | 79.3752% | 2,853 |
| Net loans and leases to core deposits | 82.9052% | 3,049 |
| Total domestic deposits to total assets | 85.6986% | 2,195 |
| Equity capital to assets | 8.7867% | 4,792 |
| Core capital (leverage) ratio | 8.5990% | 4,785 |
| Tier 1 risk-based capital ratio | 13.9465% | 3,298 |
| Total risk-based capital ratio | 15.0879% | 3,253 |
| Memoranda: | ||
| Average total assets | $82,905,600 | 4,243 |
| Average earning assets | $74,346,400 | 4,281 |
| Average equity | $7,526,000 | 4,569 |
| Average total loans | $56,465,200 | 4,042 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1755% | 180 |
| Cost of funding earning assets | 0.7439% | 2,995 |
| Net interest margin | 5.4317% | 135 |
| Noninterest income to average assets | 1.2569% | 577 |
| Noninterest expense to average assets | 4.3572% | 342 |
| Loan and lease loss provision to assets | 0.2578% | 621 |
| Net operating income to assets | 1.1473% | 2,381 |
| Return on assets (ROA) | 1.1473% | 2,471 |
| Pretax return on assets | 1.5131% | 1,920 |
| Return on Equity (ROE) | 12.5371% | 1,427 |
| Retained earnings to average equity (ytd only) | 12.5371% | 324 |
| Net charge-offs to loans | 0.2727% | 646 |
| Credit loss provision to net charge-offs | 139.1304% | 1,728 |
| Earnings coverage of net charge-offs (x) | 9.5565% | 2,567 |
| Efficiency ratio | 71.1018% | 1,953 |
| Assets per employee ($millions) | 2.2767% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,260 |
| Loan loss allowance to noncurrent loans | 41.2578% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.8484% | 526 |
| Noncurrent loans to loans | 2.5559% | 445 |
| Net loans and leases to total assets | 66.5005% | 2,990 |
| Net loans and leases to deposits | 79.9184% | 2,906 |
| Net loans and leases to core deposits | 82.6297% | 3,207 |
| Total domestic deposits to total assets | 83.2105% | 3,094 |
| Equity capital to assets | 9.4780% | 4,472 |
| Core capital (leverage) ratio | 9.4848% | 4,178 |
| Tier 1 risk-based capital ratio | 15.4976% | 2,642 |
| Total risk-based capital ratio | 16.6586% | 2,605 |
| Memoranda: | ||
| Average total assets | $82,742,500 | 4,300 |
| Average earning assets | $74,205,250 | 4,336 |
| Average equity | $7,572,000 | 4,611 |
| Average total loans | $56,222,000 | 4,095 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0034% | 233 |
| Cost of funding earning assets | 0.7179% | 3,062 |
| Net interest margin | 5.2855% | 169 |
| Noninterest income to average assets | 1.2888% | 522 |
| Noninterest expense to average assets | 4.5085% | 302 |
| Loan and lease loss provision to assets | 0.2067% | 820 |
| Net operating income to assets | 1.0578% | 2,689 |
| Return on assets (ROA) | 1.0578% | 2,753 |
| Pretax return on assets | 1.3180% | 2,489 |
| Return on Equity (ROE) | 11.7019% | 1,692 |
| Retained earnings to average equity (ytd only) | 11.7019% | 440 |
| Net charge-offs to loans | 0.4136% | 405 |
| Credit loss provision to net charge-offs | 73.2759% | 2,294 |
| Earnings coverage of net charge-offs (x) | 5.4052% | 2,658 |
| Efficiency ratio | 74.7279% | 1,551 |
| Assets per employee ($millions) | 2.2081% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 4,027 |
| Loan loss allowance to noncurrent loans | 28.1166% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.2298% | 374 |
| Noncurrent loans to loans | 3.2564% | 286 |
| Net loans and leases to total assets | 67.1954% | 2,939 |
| Net loans and leases to deposits | 80.2902% | 2,918 |
| Net loans and leases to core deposits | 83.0041% | 3,195 |
| Total domestic deposits to total assets | 83.6907% | 2,980 |
| Equity capital to assets | 9.1730% | 4,681 |
| Core capital (leverage) ratio | 9.2099% | 4,449 |
| Tier 1 risk-based capital ratio | 15.1732% | 2,760 |
| Total risk-based capital ratio | 16.2011% | 2,786 |
| Memoranda: | ||
| Average total assets | $82,244,330 | 4,342 |
| Average earning assets | $73,825,000 | 4,377 |
| Average equity | $7,434,670 | 4,661 |
| Average total loans | $56,091,000 | 4,122 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9694% | 232 |
| Cost of funding earning assets | 0.6846% | 3,127 |
| Net interest margin | 5.2848% | 176 |
| Noninterest income to average assets | 1.3315% | 481 |
| Noninterest expense to average assets | 4.5988% | 269 |
| Loan and lease loss provision to assets | 0.1474% | 1,148 |
| Net operating income to assets | 1.0613% | 2,613 |
| Return on assets (ROA) | 1.0613% | 2,662 |
| Pretax return on assets | 1.3266% | 2,350 |
| Return on Equity (ROE) | 11.8299% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.8299% | 641 |
| Net charge-offs to loans | 0.1437% | 896 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,764 |
| Efficiency ratio | 75.7282% | 1,525 |
| Assets per employee ($millions) | 2.1802% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,725 |
| Loan loss allowance to noncurrent loans | 30.4277% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 2.2512% | 384 |
| Noncurrent loans to loans | 3.2780% | 295 |
| Net loans and leases to total assets | 67.3334% | 2,855 |
| Net loans and leases to deposits | 80.2991% | 2,803 |
| Net loans and leases to core deposits | 83.0339% | 3,108 |
| Total domestic deposits to total assets | 83.8532% | 3,095 |
| Equity capital to assets | 8.9636% | 4,709 |
| Core capital (leverage) ratio | 9.1864% | 4,487 |
| Tier 1 risk-based capital ratio | 14.8655% | 2,931 |
| Total risk-based capital ratio | 15.9836% | 2,925 |
| Memoranda: | ||
| Average total assets | $81,412,000 | 4,397 |
| Average earning assets | $73,039,000 | 4,431 |
| Average equity | $7,303,500 | 4,712 |
| Average total loans | $55,684,500 | 4,175 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0409% | 157 |
| Cost of funding earning assets | 0.5975% | 2,741 |
| Net interest margin | 5.4433% | 121 |
| Noninterest income to average assets | 1.3191% | 533 |
| Noninterest expense to average assets | 4.2263% | 391 |
| Loan and lease loss provision to assets | -0.0941% | 5,262 |
| Net operating income to assets | 1.5807% | 923 |
| Return on assets (ROA) | 1.5807% | 913 |
| Pretax return on assets | 2.0539% | 492 |
| Return on Equity (ROE) | 17.1677% | 479 |
| Retained earnings to average equity (ytd only) | 1.2348% | 4,637 |
| Net charge-offs to loans | 0.3042% | 636 |
| Credit loss provision to net charge-offs | -44.2529% | 4,324 |
| Earnings coverage of net charge-offs (x) | 9.2126% | 2,831 |
| Efficiency ratio | 68.3202% | 2,491 |
| Assets per employee ($millions) | 2.1047% | 5,303 |
| Cash dividends to net income (ytd only)* | 92.8074% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,665 |
| Loan loss allowance to noncurrent loans | 37.0968% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.8918% | 522 |
| Noncurrent loans to loans | 2.7043% | 419 |
| Net loans and leases to total assets | 68.1087% | 2,869 |
| Net loans and leases to deposits | 81.4937% | 2,795 |
| Net loans and leases to core deposits | 84.3755% | 3,047 |
| Total domestic deposits to total assets | 83.5755% | 3,135 |
| Equity capital to assets | 8.9787% | 4,598 |
| Core capital (leverage) ratio | 8.8836% | 4,750 |
| Tier 1 risk-based capital ratio | 14.8819% | 2,888 |
| Total risk-based capital ratio | 16.0180% | 2,866 |
| Memoranda: | ||
| Average total assets | $81,797,200 | 4,406 |
| Average earning assets | $73,135,200 | 4,438 |
| Average equity | $7,531,600 | 4,673 |
| Average total loans | $57,196,400 | 4,160 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0243% | 147 |
| Cost of funding earning assets | 0.5770% | 2,654 |
| Net interest margin | 5.4472% | 113 |
| Noninterest income to average assets | 1.3000% | 567 |
| Noninterest expense to average assets | 4.1497% | 421 |
| Loan and lease loss provision to assets | -0.2172% | 5,406 |
| Net operating income to assets | 1.7069% | 734 |
| Return on assets (ROA) | 1.7069% | 739 |
| Pretax return on assets | 2.2337% | 377 |
| Return on Equity (ROE) | 18.4265% | 386 |
| Retained earnings to average equity (ytd only) | 18.4265% | 78 |
| Net charge-offs to loans | 0.1178% | 1,332 |
| Credit loss provision to net charge-offs | -262.7451% | 4,372 |
| Earnings coverage of net charge-offs (x) | 24.3916% | 1,820 |
| Efficiency ratio | 67.2976% | 2,663 |
| Assets per employee ($millions) | 2.1565% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,335 |
| Loan loss allowance to noncurrent loans | 46.6767% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.6462% | 757 |
| Noncurrent loans to loans | 2.2996% | 599 |
| Net loans and leases to total assets | 69.5035% | 2,725 |
| Net loans and leases to deposits | 85.7913% | 2,391 |
| Net loans and leases to core deposits | 89.3988% | 2,709 |
| Total domestic deposits to total assets | 81.0146% | 3,862 |
| Equity capital to assets | 9.8881% | 3,749 |
| Core capital (leverage) ratio | 9.9629% | 3,676 |
| Tier 1 risk-based capital ratio | 16.4225% | 2,298 |
| Total risk-based capital ratio | 17.6576% | 2,241 |
| Memoranda: | ||
| Average total assets | $82,252,000 | 4,439 |
| Average earning assets | $73,479,000 | 4,475 |
| Average equity | $7,619,250 | 4,711 |
| Average total loans | $57,739,500 | 4,191 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0518% | 133 |
| Cost of funding earning assets | 0.5588% | 2,531 |
| Net interest margin | 5.4930% | 109 |
| Noninterest income to average assets | 1.3066% | 562 |
| Noninterest expense to average assets | 4.1091% | 467 |
| Loan and lease loss provision to assets | -0.3254% | 5,498 |
| Net operating income to assets | 1.8773% | 495 |
| Return on assets (ROA) | 1.8773% | 487 |
| Pretax return on assets | 2.4164% | 262 |
| Return on Equity (ROE) | 20.7294% | 218 |
| Retained earnings to average equity (ytd only) | 20.7294% | 58 |
| Net charge-offs to loans | 0.1730% | 899 |
| Credit loss provision to net charge-offs | -268.0000% | 4,247 |
| Earnings coverage of net charge-offs (x) | 17.2200% | 1,961 |
| Efficiency ratio | 66.2750% | 2,923 |
| Assets per employee ($millions) | 2.0764% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,362 |
| Loan loss allowance to noncurrent loans | 44.3092% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.7337% | 699 |
| Noncurrent loans to loans | 2.4474% | 538 |
| Net loans and leases to total assets | 67.9786% | 2,874 |
| Net loans and leases to deposits | 83.3090% | 2,610 |
| Net loans and leases to core deposits | 86.7323% | 2,843 |
| Total domestic deposits to total assets | 81.5982% | 3,842 |
| Equity capital to assets | 9.4345% | 4,162 |
| Core capital (leverage) ratio | 9.6187% | 3,977 |
| Tier 1 risk-based capital ratio | 16.0216% | 2,428 |
| Total risk-based capital ratio | 17.2713% | 2,367 |
| Memoranda: | ||
| Average total assets | $82,353,670 | 4,476 |
| Average earning assets | $73,366,330 | 4,516 |
| Average equity | $7,458,000 | 4,780 |
| Average total loans | $57,794,670 | 4,223 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8886% | 163 |
| Cost of funding earning assets | 0.5538% | 2,372 |
| Net interest margin | 5.3348% | 131 |
| Noninterest income to average assets | 1.3219% | 538 |
| Noninterest expense to average assets | 4.1950% | 412 |
| Loan and lease loss provision to assets | -0.6536% | 5,583 |
| Net operating income to assets | 1.9609% | 407 |
| Return on assets (ROA) | 1.9609% | 409 |
| Pretax return on assets | 2.5268% | 204 |
| Return on Equity (ROE) | 22.1213% | 163 |
| Retained earnings to average equity (ytd only) | 22.1213% | 74 |
| Net charge-offs to loans | 0.3095% | 491 |
| Credit loss provision to net charge-offs | -297.7778% | 3,875 |
| Earnings coverage of net charge-offs (x) | 8.5333% | 2,025 |
| Efficiency ratio | 69.1318% | 2,642 |
| Assets per employee ($millions) | 2.1709% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,593 |
| Loan loss allowance to noncurrent loans | 78.0000% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 1,535 |
| Noncurrent loans to loans | 1.3610% | 1,315 |
| Net loans and leases to total assets | 70.4981% | 2,392 |
| Net loans and leases to deposits | 85.9914% | 2,169 |
| Net loans and leases to core deposits | 89.1826% | 2,522 |
| Total domestic deposits to total assets | 81.9827% | 3,971 |
| Equity capital to assets | 9.0383% | 4,516 |
| Core capital (leverage) ratio | 9.2752% | 4,350 |
| Tier 1 risk-based capital ratio | 15.3248% | 2,727 |
| Total risk-based capital ratio | 16.5745% | 2,669 |
| Memoranda: | ||
| Average total assets | $82,002,000 | 4,532 |
| Average earning assets | $72,954,500 | 4,576 |
| Average equity | $7,269,000 | 4,855 |
| Average total loans | $58,152,000 | 4,244 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5316% | 253 |
| Cost of funding earning assets | 0.5240% | 2,149 |
| Net interest margin | 5.0076% | 235 |
| Noninterest income to average assets | 1.3073% | 617 |
| Noninterest expense to average assets | 4.0173% | 524 |
| Loan and lease loss provision to assets | 0.1981% | 1,048 |
| Net operating income to assets | 1.2014% | 1,520 |
| Return on assets (ROA) | 1.2033% | 1,538 |
| Pretax return on assets | 1.5549% | 1,434 |
| Return on Equity (ROE) | 13.3696% | 870 |
| Retained earnings to average equity (ytd only) | 1.6781% | 4,294 |
| Net charge-offs to loans | 0.1079% | 1,992 |
| Credit loss provision to net charge-offs | 258.0645% | 1,077 |
| Earnings coverage of net charge-offs (x) | 22.8065% | 1,838 |
| Efficiency ratio | 69.6501% | 2,612 |
| Assets per employee ($millions) | 2.2030% | 5,540 |
| Cash dividends to net income (ytd only)* | 87.4486% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,789 |
| Loan loss allowance to noncurrent loans | 85.6077% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.2428% | 1,177 |
| Noncurrent loans to loans | 1.6306% | 1,013 |
| Net loans and leases to total assets | 69.5869% | 2,591 |
| Net loans and leases to deposits | 84.5182% | 2,437 |
| Net loans and leases to core deposits | 87.6785% | 2,753 |
| Total domestic deposits to total assets | 82.3337% | 3,776 |
| Equity capital to assets | 8.6884% | 4,963 |
| Core capital (leverage) ratio | 8.7918% | 4,872 |
| Tier 1 risk-based capital ratio | 14.7483% | 2,963 |
| Total risk-based capital ratio | 16.0021% | 2,898 |
| Memoranda: | ||
| Average total assets | $80,775,200 | 4,576 |
| Average earning assets | $71,950,000 | 4,625 |
| Average equity | $7,270,200 | 4,899 |
| Average total loans | $57,461,800 | 4,257 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5893% | 225 |
| Cost of funding earning assets | 0.5117% | 2,171 |
| Net interest margin | 5.0776% | 199 |
| Noninterest income to average assets | 1.3004% | 631 |
| Noninterest expense to average assets | 4.0301% | 498 |
| Loan and lease loss provision to assets | 0.2647% | 632 |
| Net operating income to assets | 1.0153% | 2,493 |
| Return on assets (ROA) | 1.0175% | 2,519 |
| Pretax return on assets | 1.5402% | 1,619 |
| Return on Equity (ROE) | 11.2061% | 1,606 |
| Retained earnings to average equity (ytd only) | 11.2061% | 386 |
| Net charge-offs to loans | 0.0487% | 2,461 |
| Credit loss provision to net charge-offs | 761.9048% | 452 |
| Earnings coverage of net charge-offs (x) | 51.8557% | 1,094 |
| Efficiency ratio | 69.1064% | 2,689 |
| Assets per employee ($millions) | 2.1912% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,530 |
| Loan loss allowance to noncurrent loans | 106.8354% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 1,675 |
| Noncurrent loans to loans | 1.4047% | 1,329 |
| Net loans and leases to total assets | 68.3265% | 2,794 |
| Net loans and leases to deposits | 84.0885% | 2,551 |
| Net loans and leases to core deposits | 86.7444% | 2,899 |
| Total domestic deposits to total assets | 81.2554% | 3,981 |
| Equity capital to assets | 9.4346% | 4,506 |
| Core capital (leverage) ratio | 9.4540% | 4,222 |
| Tier 1 risk-based capital ratio | 16.5114% | 2,323 |
| Total risk-based capital ratio | 17.7666% | 2,273 |
| Memoranda: | ||
| Average total assets | $80,591,250 | 4,621 |
| Average earning assets | $71,921,500 | 4,668 |
| Average equity | $7,317,250 | 4,942 |
| Average total loans | $57,446,250 | 4,296 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5231% | 235 |
| Cost of funding earning assets | 0.5046% | 2,132 |
| Net interest margin | 5.0184% | 210 |
| Noninterest income to average assets | 1.2930% | 622 |
| Noninterest expense to average assets | 4.0557% | 496 |
| Loan and lease loss provision to assets | 0.2860% | 550 |
| Net operating income to assets | 0.9441% | 2,695 |
| Return on assets (ROA) | 0.9474% | 2,732 |
| Pretax return on assets | 1.4323% | 1,890 |
| Return on Equity (ROE) | 10.5735% | 1,805 |
| Retained earnings to average equity (ytd only) | 10.5735% | 500 |
| Net charge-offs to loans | 0.0138% | 2,979 |
| Credit loss provision to net charge-offs | 2,875.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 172.2500% | 456 |
| Efficiency ratio | 70.3017% | 2,622 |
| Assets per employee ($millions) | 2.2735% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,765 |
| Loan loss allowance to noncurrent loans | 102.7708% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 1,806 |
| Noncurrent loans to loans | 1.4084% | 1,362 |
| Net loans and leases to total assets | 67.8840% | 2,833 |
| Net loans and leases to deposits | 83.0496% | 2,597 |
| Net loans and leases to core deposits | 85.6300% | 2,916 |
| Total domestic deposits to total assets | 81.7391% | 3,962 |
| Equity capital to assets | 9.0547% | 4,849 |
| Core capital (leverage) ratio | 9.0935% | 4,622 |
| Tier 1 risk-based capital ratio | 15.9950% | 2,513 |
| Total risk-based capital ratio | 17.2493% | 2,449 |
| Memoranda: | ||
| Average total assets | $80,430,330 | 4,654 |
| Average earning assets | $71,735,670 | 4,704 |
| Average equity | $7,206,670 | 4,982 |
| Average total loans | $57,848,670 | 4,319 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 207 |
| Cost of funding earning assets | 0.5017% | 2,074 |
| Net interest margin | 5.0731% | 200 |
| Noninterest income to average assets | 1.3246% | 586 |
| Noninterest expense to average assets | 4.2448% | 409 |
| Loan and lease loss provision to assets | 0.2007% | 822 |
| Net operating income to assets | 0.9282% | 2,625 |
| Return on assets (ROA) | 0.9282% | 2,680 |
| Pretax return on assets | 1.3948% | 1,909 |
| Return on Equity (ROE) | 10.4159% | 1,772 |
| Retained earnings to average equity (ytd only) | 10.4159% | 726 |
| Net charge-offs to loans | -0.0068% | 4,281 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6804% | 2,457 |
| Assets per employee ($millions) | 2.1947% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,619 |
| Loan loss allowance to noncurrent loans | 210.7345% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 2,710 |
| Noncurrent loans to loans | 0.6090% | 2,998 |
| Net loans and leases to total assets | 70.6644% | 2,270 |
| Net loans and leases to deposits | 86.4241% | 1,987 |
| Net loans and leases to core deposits | 89.1289% | 2,441 |
| Total domestic deposits to total assets | 81.7647% | 4,227 |
| Equity capital to assets | 8.8714% | 4,933 |
| Core capital (leverage) ratio | 9.1048% | 4,612 |
| Tier 1 risk-based capital ratio | 15.3322% | 2,821 |
| Total risk-based capital ratio | 16.5906% | 2,751 |
| Memoranda: | ||
| Average total assets | $79,722,000 | 4,717 |
| Average earning assets | $70,962,000 | 4,767 |
| Average equity | $7,104,500 | 5,043 |
| Average total loans | $58,584,500 | 4,331 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8342% | 154 |
| Cost of funding earning assets | 0.4816% | 2,242 |
| Net interest margin | 5.3526% | 136 |
| Noninterest income to average assets | 1.3344% | 640 |
| Noninterest expense to average assets | 4.1272% | 515 |
| Loan and lease loss provision to assets | 0.1292% | 1,925 |
| Net operating income to assets | 1.2039% | 1,500 |
| Return on assets (ROA) | 1.2039% | 1,581 |
| Pretax return on assets | 1.8446% | 701 |
| Return on Equity (ROE) | 12.8117% | 1,041 |
| Retained earnings to average equity (ytd only) | 0.4399% | 5,148 |
| Net charge-offs to loans | 0.2526% | 1,094 |
| Credit loss provision to net charge-offs | 66.6667% | 3,162 |
| Earnings coverage of net charge-offs (x) | 10.1867% | 2,662 |
| Efficiency ratio | 67.6477% | 3,316 |
| Assets per employee ($millions) | 2.0589% | 5,788 |
| Cash dividends to net income (ytd only)* | 96.5665% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 3,155 |
| Loan loss allowance to noncurrent loans | 165.1054% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7592% | 2,461 |
| Noncurrent loans to loans | 0.7232% | 2,728 |
| Net loans and leases to total assets | 74.5600% | 1,761 |
| Net loans and leases to deposits | 91.4385% | 1,519 |
| Net loans and leases to core deposits | 94.4192% | 2,063 |
| Total domestic deposits to total assets | 81.5412% | 4,197 |
| Equity capital to assets | 8.9533% | 4,863 |
| Core capital (leverage) ratio | 8.9152% | 4,838 |
| Tier 1 risk-based capital ratio | 14.9498% | 2,987 |
| Total risk-based capital ratio | 16.2069% | 2,919 |
| Memoranda: | ||
| Average total assets | $77,414,000 | 4,780 |
| Average earning assets | $68,938,200 | 4,826 |
| Average equity | $7,274,600 | 5,046 |
| Average total loans | $59,376,800 | 4,321 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8214% | 157 |
| Cost of funding earning assets | 0.4788% | 2,278 |
| Net interest margin | 5.3426% | 141 |
| Noninterest income to average assets | 1.3314% | 662 |
| Noninterest expense to average assets | 4.1808% | 491 |
| Loan and lease loss provision to assets | 0.1209% | 1,921 |
| Net operating income to assets | 1.1639% | 1,754 |
| Return on assets (ROA) | 1.1639% | 1,857 |
| Pretax return on assets | 1.7891% | 917 |
| Return on Equity (ROE) | 12.2397% | 1,254 |
| Retained earnings to average equity (ytd only) | 12.2397% | 277 |
| Net charge-offs to loans | 0.2422% | 966 |
| Credit loss provision to net charge-offs | 64.8148% | 2,859 |
| Earnings coverage of net charge-offs (x) | 10.2405% | 2,597 |
| Efficiency ratio | 68.6419% | 3,110 |
| Assets per employee ($millions) | 2.1712% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 3,257 |
| Loan loss allowance to noncurrent loans | 120.1005% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 2,640 |
| Noncurrent loans to loans | 0.9965% | 2,253 |
| Net loans and leases to total assets | 75.7315% | 1,568 |
| Net loans and leases to deposits | 94.0872% | 1,246 |
| Net loans and leases to core deposits | 97.1971% | 1,890 |
| Total domestic deposits to total assets | 80.4908% | 4,393 |
| Equity capital to assets | 9.8243% | 4,332 |
| Core capital (leverage) ratio | 9.8463% | 3,754 |
| Tier 1 risk-based capital ratio | 16.2634% | 2,518 |
| Total risk-based capital ratio | 17.5167% | 2,470 |
| Memoranda: | ||
| Average total assets | $77,207,750 | 4,830 |
| Average earning assets | $68,778,750 | 4,870 |
| Average equity | $7,342,000 | 5,085 |
| Average total loans | $59,461,000 | 4,346 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7870% | 166 |
| Cost of funding earning assets | 0.4735% | 2,331 |
| Net interest margin | 5.3135% | 145 |
| Noninterest income to average assets | 1.3422% | 633 |
| Noninterest expense to average assets | 4.2164% | 483 |
| Loan and lease loss provision to assets | 0.1040% | 2,112 |
| Net operating income to assets | 1.1393% | 1,811 |
| Return on assets (ROA) | 1.1393% | 1,928 |
| Pretax return on assets | 1.7506% | 978 |
| Return on Equity (ROE) | 12.1167% | 1,272 |
| Retained earnings to average equity (ytd only) | 12.1167% | 308 |
| Net charge-offs to loans | 0.0877% | 1,967 |
| Credit loss provision to net charge-offs | 153.8462% | 1,560 |
| Earnings coverage of net charge-offs (x) | 27.4231% | 1,456 |
| Efficiency ratio | 69.4516% | 3,065 |
| Assets per employee ($millions) | 2.0908% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 2,736 |
| Loan loss allowance to noncurrent loans | 93.2121% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.0846% | 1,953 |
| Noncurrent loans to loans | 1.4045% | 1,591 |
| Net loans and leases to total assets | 74.9389% | 1,664 |
| Net loans and leases to deposits | 92.9649% | 1,398 |
| Net loans and leases to core deposits | 96.0628% | 1,971 |
| Total domestic deposits to total assets | 80.6099% | 4,388 |
| Equity capital to assets | 9.6278% | 4,637 |
| Core capital (leverage) ratio | 9.5791% | 4,094 |
| Tier 1 risk-based capital ratio | 16.0865% | 2,598 |
| Total risk-based capital ratio | 17.3397% | 2,545 |
| Memoranda: | ||
| Average total assets | $76,889,330 | 4,877 |
| Average earning assets | $68,429,000 | 4,923 |
| Average equity | $7,229,670 | 5,152 |
| Average total loans | $59,311,000 | 4,374 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7793% | 167 |
| Cost of funding earning assets | 0.4680% | 2,390 |
| Net interest margin | 5.3114% | 147 |
| Noninterest income to average assets | 1.4141% | 559 |
| Noninterest expense to average assets | 4.3155% | 448 |
| Loan and lease loss provision to assets | 0.0783% | 2,397 |
| Net operating income to assets | 1.1480% | 1,718 |
| Return on assets (ROA) | 1.1480% | 1,832 |
| Pretax return on assets | 1.7585% | 923 |
| Return on Equity (ROE) | 12.3587% | 1,200 |
| Retained earnings to average equity (ytd only) | 12.3587% | 454 |
| Net charge-offs to loans | 0.0671% | 1,817 |
| Credit loss provision to net charge-offs | 150.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 35.2000% | 1,087 |
| Efficiency ratio | 70.1442% | 3,094 |
| Assets per employee ($millions) | 2.0892% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 3,061 |
| Loan loss allowance to noncurrent loans | 81.4577% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2070% | 1,809 |
| Noncurrent loans to loans | 1.5569% | 1,499 |
| Net loans and leases to total assets | 76.5398% | 1,316 |
| Net loans and leases to deposits | 94.7809% | 1,060 |
| Net loans and leases to core deposits | 97.9343% | 1,642 |
| Total domestic deposits to total assets | 80.7545% | 4,564 |
| Equity capital to assets | 9.3543% | 4,834 |
| Core capital (leverage) ratio | 9.4529% | 4,271 |
| Tier 1 risk-based capital ratio | 15.1449% | 3,089 |
| Total risk-based capital ratio | 16.4002% | 3,022 |
| Memoranda: | ||
| Average total assets | $76,654,500 | 4,926 |
| Average earning assets | $68,381,500 | 4,970 |
| Average equity | $7,120,500 | 5,209 |
| Average total loans | $59,596,000 | 4,386 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6961% | 199 |
| Cost of funding earning assets | 0.3456% | 3,738 |
| Net interest margin | 5.3505% | 158 |
| Noninterest income to average assets | 1.3595% | 652 |
| Noninterest expense to average assets | 4.0407% | 632 |
| Loan and lease loss provision to assets | 0.0521% | 3,273 |
| Net operating income to assets | 1.3048% | 1,260 |
| Return on assets (ROA) | 1.3048% | 1,311 |
| Pretax return on assets | 2.0249% | 514 |
| Return on Equity (ROE) | 13.8215% | 883 |
| Retained earnings to average equity (ytd only) | 0.7173% | 5,230 |
| Net charge-offs to loans | 0.0162% | 3,964 |
| Credit loss provision to net charge-offs | 444.4444% | 689 |
| Earnings coverage of net charge-offs (x) | 177.2222% | 369 |
| Efficiency ratio | 66.0494% | 3,894 |
| Assets per employee ($millions) | 2.0543% | 6,042 |
| Cash dividends to net income (ytd only)* | 94.8104% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 3,045 |
| Loan loss allowance to noncurrent loans | 79.4737% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.2499% | 1,712 |
| Noncurrent loans to loans | 1.6029% | 1,433 |
| Net loans and leases to total assets | 76.9801% | 1,257 |
| Net loans and leases to deposits | 95.0734% | 1,107 |
| Net loans and leases to core deposits | 98.2817% | 1,649 |
| Total domestic deposits to total assets | 80.9691% | 4,494 |
| Equity capital to assets | 9.2227% | 4,877 |
| Core capital (leverage) ratio | 9.0789% | 4,782 |
| Tier 1 risk-based capital ratio | 15.3860% | 2,996 |
| Total risk-based capital ratio | 16.6399% | 2,928 |
| Memoranda: | ||
| Average total assets | $76,793,200 | 4,933 |
| Average earning assets | $68,292,600 | 4,978 |
| Average equity | $7,249,600 | 5,203 |
| Average total loans | $55,566,400 | 4,514 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5980% | 227 |
| Cost of funding earning assets | 0.3288% | 3,998 |
| Net interest margin | 5.2692% | 169 |
| Noninterest income to average assets | 1.3421% | 675 |
| Noninterest expense to average assets | 4.0126% | 652 |
| Loan and lease loss provision to assets | 0.0693% | 2,792 |
| Net operating income to assets | 1.2607% | 1,451 |
| Return on assets (ROA) | 1.2607% | 1,511 |
| Pretax return on assets | 1.9500% | 664 |
| Return on Equity (ROE) | 13.2792% | 1,064 |
| Retained earnings to average equity (ytd only) | 13.2792% | 260 |
| Net charge-offs to loans | 0.0146% | 3,666 |
| Credit loss provision to net charge-offs | 666.6667% | 511 |
| Earnings coverage of net charge-offs (x) | 194.3288% | 369 |
| Efficiency ratio | 66.5231% | 3,798 |
| Assets per employee ($millions) | 2.0723% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 3,008 |
| Loan loss allowance to noncurrent loans | 63.4615% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.5598% | 1,432 |
| Noncurrent loans to loans | 2.0724% | 1,107 |
| Net loans and leases to total assets | 74.2762% | 1,688 |
| Net loans and leases to deposits | 89.8864% | 1,666 |
| Net loans and leases to core deposits | 92.8283% | 2,185 |
| Total domestic deposits to total assets | 82.6334% | 3,945 |
| Equity capital to assets | 10.0292% | 4,121 |
| Core capital (leverage) ratio | 9.9397% | 3,722 |
| Tier 1 risk-based capital ratio | 17.0183% | 2,372 |
| Total risk-based capital ratio | 18.2725% | 2,315 |
| Memoranda: | ||
| Average total assets | $76,989,500 | 4,984 |
| Average earning assets | $68,522,250 | 5,028 |
| Average equity | $7,309,500 | 5,254 |
| Average total loans | $54,641,500 | 4,585 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5040% | 266 |
| Cost of funding earning assets | 0.3286% | 4,070 |
| Net interest margin | 5.1755% | 188 |
| Noninterest income to average assets | 1.3282% | 694 |
| Noninterest expense to average assets | 4.0055% | 671 |
| Loan and lease loss provision to assets | 0.0778% | 2,566 |
| Net operating income to assets | 1.2089% | 1,568 |
| Return on assets (ROA) | 1.2089% | 1,648 |
| Pretax return on assets | 1.8627% | 802 |
| Return on Equity (ROE) | 12.9757% | 1,120 |
| Retained earnings to average equity (ytd only) | 12.9757% | 310 |
| Net charge-offs to loans | -0.0075% | 4,850 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3647% | 3,778 |
| Assets per employee ($millions) | 2.1628% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 2,860 |
| Loan loss allowance to noncurrent loans | 69.3859% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 1,788 |
| Noncurrent loans to loans | 1.9854% | 1,235 |
| Net loans and leases to total assets | 69.6013% | 2,382 |
| Net loans and leases to deposits | 83.5809% | 2,370 |
| Net loans and leases to core deposits | 86.6104% | 2,696 |
| Total domestic deposits to total assets | 83.2743% | 3,842 |
| Equity capital to assets | 9.5361% | 4,604 |
| Core capital (leverage) ratio | 9.4772% | 4,311 |
| Tier 1 risk-based capital ratio | 16.7290% | 2,511 |
| Total risk-based capital ratio | 17.9848% | 2,464 |
| Memoranda: | ||
| Average total assets | $77,094,000 | 5,034 |
| Average earning assets | $68,786,000 | 5,065 |
| Average equity | $7,182,670 | 5,322 |
| Average total loans | $53,618,330 | 4,654 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 393 |
| Cost of funding earning assets | 0.3269% | 4,137 |
| Net interest margin | 4.8976% | 299 |
| Noninterest income to average assets | 1.3401% | 641 |
| Noninterest expense to average assets | 4.1142% | 606 |
| Loan and lease loss provision to assets | 0.1043% | 1,967 |
| Net operating income to assets | 0.9855% | 2,328 |
| Return on assets (ROA) | 0.9855% | 2,454 |
| Pretax return on assets | 1.4965% | 1,577 |
| Return on Equity (ROE) | 10.7059% | 1,732 |
| Retained earnings to average equity (ytd only) | 10.7059% | 774 |
| Net charge-offs to loans | -0.0151% | 4,915 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9891% | 3,172 |
| Assets per employee ($millions) | 2.1642% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 2,982 |
| Loan loss allowance to noncurrent loans | 80.3879% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 2,253 |
| Noncurrent loans to loans | 1.7238% | 1,589 |
| Net loans and leases to total assets | 68.1380% | 2,414 |
| Net loans and leases to deposits | 81.3993% | 2,394 |
| Net loans and leases to core deposits | 85.0631% | 2,646 |
| Total domestic deposits to total assets | 83.7083% | 3,932 |
| Equity capital to assets | 9.1848% | 5,109 |
| Core capital (leverage) ratio | 9.2880% | 4,594 |
| Tier 1 risk-based capital ratio | 15.6838% | 3,066 |
| Total risk-based capital ratio | 16.9384% | 3,007 |
| Memoranda: | ||
| Average total assets | $76,710,000 | 5,096 |
| Average earning assets | $68,523,000 | 5,130 |
| Average equity | $7,061,500 | 5,392 |
| Average total loans | $52,952,500 | 4,700 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4867% | 325 |
| Cost of funding earning assets | 0.3629% | 4,110 |
| Net interest margin | 5.1238% | 240 |
| Noninterest income to average assets | 1.3379% | 684 |
| Noninterest expense to average assets | 4.0941% | 690 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1680% | 1,680 |
| Return on assets (ROA) | 1.1680% | 1,758 |
| Pretax return on assets | 1.7804% | 829 |
| Return on Equity (ROE) | 12.3328% | 1,315 |
| Retained earnings to average equity (ytd only) | 0.5144% | 5,543 |
| Net charge-offs to loans | 0.0669% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 40.9697% | 1,065 |
| Efficiency ratio | 69.6929% | 3,584 |
| Assets per employee ($millions) | 2.0975% | 6,346 |
| Cash dividends to net income (ytd only)* | 95.8286% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 2,982 |
| Loan loss allowance to noncurrent loans | 141.6016% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 3,544 |
| Noncurrent loans to loans | 0.9833% | 2,871 |
| Net loans and leases to total assets | 68.0012% | 2,552 |
| Net loans and leases to deposits | 81.3328% | 2,563 |
| Net loans and leases to core deposits | 86.3759% | 2,656 |
| Total domestic deposits to total assets | 83.6086% | 3,876 |
| Equity capital to assets | 9.2267% | 5,034 |
| Core capital (leverage) ratio | 9.1263% | 4,786 |
| Tier 1 risk-based capital ratio | 15.4362% | 3,252 |
| Total risk-based capital ratio | 16.6900% | 3,196 |
| Memoranda: | ||
| Average total assets | $75,938,800 | 5,155 |
| Average earning assets | $67,234,800 | 5,191 |
| Average equity | $7,192,200 | 5,376 |
| Average total loans | $49,297,400 | 4,846 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 325 |
| Cost of funding earning assets | 0.3673% | 4,154 |
| Net interest margin | 5.1144% | 240 |
| Noninterest income to average assets | 1.3202% | 700 |
| Noninterest expense to average assets | 4.1149% | 671 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1326% | 1,922 |
| Return on assets (ROA) | 1.1326% | 1,988 |
| Pretax return on assets | 1.7217% | 1,028 |
| Return on Equity (ROE) | 11.8826% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.8826% | 423 |
| Net charge-offs to loans | 0.0768% | 3,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 35.0737% | 1,235 |
| Efficiency ratio | 70.5017% | 3,417 |
| Assets per employee ($millions) | 2.1056% | 6,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 2,880 |
| Loan loss allowance to noncurrent loans | 121.0963% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 3,438 |
| Noncurrent loans to loans | 1.2098% | 2,624 |
| Net loans and leases to total assets | 64.6835% | 3,075 |
| Net loans and leases to deposits | 78.2521% | 2,922 |
| Net loans and leases to core deposits | 83.1389% | 2,980 |
| Total domestic deposits to total assets | 82.6603% | 4,248 |
| Equity capital to assets | 10.0009% | 4,160 |
| Core capital (leverage) ratio | 9.9131% | 3,798 |
| Tier 1 risk-based capital ratio | 17.1651% | 2,541 |
| Total risk-based capital ratio | 18.4199% | 2,500 |
| Memoranda: | ||
| Average total assets | $76,046,250 | 5,204 |
| Average earning assets | $67,155,250 | 5,248 |
| Average equity | $7,248,500 | 5,399 |
| Average total loans | $48,603,750 | 4,915 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3975% | 371 |
| Cost of funding earning assets | 0.3723% | 4,178 |
| Net interest margin | 5.0252% | 269 |
| Noninterest income to average assets | 1.3372% | 671 |
| Noninterest expense to average assets | 4.1746% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0588% | 2,089 |
| Return on assets (ROA) | 1.0588% | 2,164 |
| Pretax return on assets | 1.5947% | 1,261 |
| Return on Equity (ROE) | 11.2922% | 1,633 |
| Retained earnings to average equity (ytd only) | 11.2922% | 499 |
| Net charge-offs to loans | 0.0539% | 3,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 46.6923% | 956 |
| Efficiency ratio | 72.3588% | 3,276 |
| Assets per employee ($millions) | 2.0073% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 2,735 |
| Loan loss allowance to noncurrent loans | 58.1704% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.7777% | 1,824 |
| Noncurrent loans to loans | 2.6425% | 1,150 |
| Net loans and leases to total assets | 62.4785% | 3,330 |
| Net loans and leases to deposits | 75.1301% | 3,174 |
| Net loans and leases to core deposits | 79.7543% | 3,239 |
| Total domestic deposits to total assets | 83.1605% | 4,242 |
| Equity capital to assets | 9.6239% | 4,594 |
| Core capital (leverage) ratio | 9.5200% | 4,303 |
| Tier 1 risk-based capital ratio | 17.1047% | 2,576 |
| Total risk-based capital ratio | 18.3615% | 2,534 |
| Memoranda: | ||
| Average total assets | $76,127,330 | 5,250 |
| Average earning assets | $67,142,000 | 5,294 |
| Average equity | $7,137,670 | 5,455 |
| Average total loans | $48,218,000 | 4,958 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4441% | 319 |
| Cost of funding earning assets | 0.3902% | 4,088 |
| Net interest margin | 5.0540% | 242 |
| Noninterest income to average assets | 1.3412% | 640 |
| Noninterest expense to average assets | 4.1761% | 618 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0677% | 1,939 |
| Return on assets (ROA) | 1.0677% | 2,005 |
| Pretax return on assets | 1.5937% | 1,184 |
| Return on Equity (ROE) | 11.5406% | 1,532 |
| Retained earnings to average equity (ytd only) | 11.5406% | 668 |
| Net charge-offs to loans | -0.0166% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3792% | 3,418 |
| Assets per employee ($millions) | 2.2291% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 2,816 |
| Loan loss allowance to noncurrent loans | 124.0196% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 3,487 |
| Noncurrent loans to loans | 1.2692% | 2,908 |
| Net loans and leases to total assets | 60.8306% | 3,426 |
| Net loans and leases to deposits | 72.6877% | 3,249 |
| Net loans and leases to core deposits | 77.0229% | 3,304 |
| Total domestic deposits to total assets | 83.6875% | 4,388 |
| Equity capital to assets | 9.1528% | 4,935 |
| Core capital (leverage) ratio | 9.3704% | 4,480 |
| Tier 1 risk-based capital ratio | 16.4037% | 2,945 |
| Total risk-based capital ratio | 17.6590% | 2,915 |
| Memoranda: | ||
| Average total assets | $76,051,500 | 5,299 |
| Average earning assets | $66,640,500 | 5,358 |
| Average equity | $7,036,000 | 5,507 |
| Average total loans | $48,126,000 | 5,002 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6128% | 307 |
| Cost of funding earning assets | 0.4153% | 4,477 |
| Net interest margin | 5.1975% | 215 |
| Noninterest income to average assets | 1.2651% | 864 |
| Noninterest expense to average assets | 4.1319% | 750 |
| Loan and lease loss provision to assets | -0.3700% | 6,709 |
| Net operating income to assets | 1.3372% | 1,160 |
| Return on assets (ROA) | 1.3372% | 1,201 |
| Pretax return on assets | 2.0840% | 402 |
| Return on Equity (ROE) | 13.9198% | 967 |
| Retained earnings to average equity (ytd only) | 0.7092% | 5,514 |
| Net charge-offs to loans | -0.0390% | 6,280 |
| Credit loss provision to net charge-offs | 1,457.8947% | 170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6810% | 3,728 |
| Assets per employee ($millions) | 1.8996% | 6,657 |
| Cash dividends to net income (ytd only)* | 94.9051% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 2,854 |
| Loan loss allowance to noncurrent loans | 146.1390% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8275% | 3,823 |
| Noncurrent loans to loans | 1.0784% | 3,369 |
| Net loans and leases to total assets | 63.8149% | 3,068 |
| Net loans and leases to deposits | 77.8475% | 2,741 |
| Net loans and leases to core deposits | 78.8827% | 3,255 |
| Total domestic deposits to total assets | 81.9743% | 4,887 |
| Equity capital to assets | 9.3557% | 4,614 |
| Core capital (leverage) ratio | 8.9944% | 5,016 |
| Tier 1 risk-based capital ratio | 16.5927% | 2,800 |
| Total risk-based capital ratio | 17.8493% | 2,766 |
| Memoranda: | ||
| Average total assets | $74,855,800 | 5,356 |
| Average earning assets | $65,973,800 | 5,406 |
| Average equity | $7,191,200 | 5,522 |
| Average total loans | $48,682,400 | 5,013 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 304 |
| Cost of funding earning assets | 0.4152% | 4,672 |
| Net interest margin | 5.2220% | 211 |
| Noninterest income to average assets | 1.2631% | 921 |
| Noninterest expense to average assets | 4.2016% | 687 |
| Loan and lease loss provision to assets | -0.3411% | 6,788 |
| Net operating income to assets | 1.2933% | 1,370 |
| Return on assets (ROA) | 1.2933% | 1,434 |
| Pretax return on assets | 2.0057% | 572 |
| Return on Equity (ROE) | 13.3766% | 1,146 |
| Retained earnings to average equity (ytd only) | 13.3766% | 300 |
| Net charge-offs to loans | -0.0491% | 6,301 |
| Credit loss provision to net charge-offs | 1,066.6667% | 290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6233% | 3,479 |
| Assets per employee ($millions) | 1.9349% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 2,388 |
| Loan loss allowance to noncurrent loans | 183.2244% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 4,613 |
| Noncurrent loans to loans | 0.9684% | 3,875 |
| Net loans and leases to total assets | 61.6989% | 3,420 |
| Net loans and leases to deposits | 75.9337% | 2,975 |
| Net loans and leases to core deposits | 76.9312% | 3,509 |
| Total domestic deposits to total assets | 81.2536% | 5,154 |
| Equity capital to assets | 10.0729% | 3,804 |
| Core capital (leverage) ratio | 10.1070% | 3,511 |
| Tier 1 risk-based capital ratio | 18.8320% | 2,038 |
| Total risk-based capital ratio | 20.0912% | 1,998 |
| Memoranda: | ||
| Average total assets | $75,049,000 | 5,404 |
| Average earning assets | $66,154,750 | 5,449 |
| Average equity | $7,256,250 | 5,568 |
| Average total loans | $48,844,750 | 5,052 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6778% | 285 |
| Cost of funding earning assets | 0.4157% | 4,800 |
| Net interest margin | 5.2621% | 197 |
| Noninterest income to average assets | 1.2495% | 999 |
| Noninterest expense to average assets | 4.2904% | 633 |
| Loan and lease loss provision to assets | -0.5126% | 6,874 |
| Net operating income to assets | 1.3643% | 1,157 |
| Return on assets (ROA) | 1.3643% | 1,242 |
| Pretax return on assets | 2.1011% | 494 |
| Return on Equity (ROE) | 14.3111% | 943 |
| Retained earnings to average equity (ytd only) | 14.3111% | 280 |
| Net charge-offs to loans | -0.0811% | 6,440 |
| Credit loss provision to net charge-offs | 960.0000% | 323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9791% | 3,313 |
| Assets per employee ($millions) | 1.8951% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 2,657 |
| Loan loss allowance to noncurrent loans | 143.6116% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 4,240 |
| Noncurrent loans to loans | 1.2064% | 3,540 |
| Net loans and leases to total assets | 64.6908% | 2,809 |
| Net loans and leases to deposits | 79.6061% | 2,381 |
| Net loans and leases to core deposits | 80.6725% | 2,951 |
| Total domestic deposits to total assets | 81.2637% | 5,272 |
| Equity capital to assets | 9.9932% | 3,924 |
| Core capital (leverage) ratio | 9.7138% | 3,914 |
| Tier 1 risk-based capital ratio | 18.4171% | 2,170 |
| Total risk-based capital ratio | 19.6775% | 2,133 |
| Memoranda: | ||
| Average total assets | $74,912,000 | 5,440 |
| Average earning assets | $65,905,330 | 5,498 |
| Average equity | $7,141,330 | 5,648 |
| Average total loans | $49,326,670 | 5,053 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7401% | 256 |
| Cost of funding earning assets | 0.4174% | 4,933 |
| Net interest margin | 5.3228% | 165 |
| Noninterest income to average assets | 1.2412% | 994 |
| Noninterest expense to average assets | 4.1743% | 737 |
| Loan and lease loss provision to assets | -0.4827% | 6,952 |
| Net operating income to assets | 1.4799% | 894 |
| Return on assets (ROA) | 1.4799% | 971 |
| Pretax return on assets | 2.2171% | 401 |
| Return on Equity (ROE) | 15.8997% | 624 |
| Retained earnings to average equity (ytd only) | 15.8997% | 288 |
| Net charge-offs to loans | -0.1208% | 6,520 |
| Credit loss provision to net charge-offs | 606.6667% | 446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6463% | 3,862 |
| Assets per employee ($millions) | 1.9727% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 2,317 |
| Loan loss allowance to noncurrent loans | 2,934.3750% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 6,478 |
| Noncurrent loans to loans | 0.0646% | 6,287 |
| Net loans and leases to total assets | 63.1780% | 2,860 |
| Net loans and leases to deposits | 76.7952% | 2,514 |
| Net loans and leases to core deposits | 77.7684% | 3,105 |
| Total domestic deposits to total assets | 82.2681% | 5,107 |
| Equity capital to assets | 9.3053% | 5,121 |
| Core capital (leverage) ratio | 9.3851% | 4,264 |
| Tier 1 risk-based capital ratio | 17.3796% | 2,612 |
| Total risk-based capital ratio | 18.6416% | 2,570 |
| Memoranda: | ||
| Average total assets | $75,413,000 | 5,476 |
| Average earning assets | $66,131,000 | 5,540 |
| Average equity | $7,019,000 | 5,737 |
| Average total loans | $49,662,000 | 5,068 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1107% | 228 |
| Cost of funding earning assets | 0.5141% | 5,123 |
| Net interest margin | 5.5966% | 149 |
| Noninterest income to average assets | 1.2479% | 998 |
| Noninterest expense to average assets | 4.1596% | 815 |
| Loan and lease loss provision to assets | -0.2720% | 7,004 |
| Net operating income to assets | 1.4278% | 1,053 |
| Return on assets (ROA) | 1.4278% | 1,167 |
| Pretax return on assets | 2.2371% | 378 |
| Return on Equity (ROE) | 14.9268% | 820 |
| Retained earnings to average equity (ytd only) | 0.5714% | 5,564 |
| Net charge-offs to loans | 0.0301% | 5,485 |
| Credit loss provision to net charge-offs | -1,360.0000% | 6,611 |
| Earnings coverage of net charge-offs (x) | 98.2667% | 391 |
| Efficiency ratio | 67.9147% | 4,162 |
| Assets per employee ($millions) | 2.0525% | 6,891 |
| Cash dividends to net income (ytd only)* | 96.1718% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0390% | 1,920 |
| Loan loss allowance to noncurrent loans | 3,171.8750% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 6,534 |
| Noncurrent loans to loans | 0.0643% | 6,329 |
| Net loans and leases to total assets | 65.9945% | 2,528 |
| Net loans and leases to deposits | 80.2356% | 2,249 |
| Net loans and leases to core deposits | 81.2950% | 2,852 |
| Total domestic deposits to total assets | 82.2509% | 5,009 |
| Equity capital to assets | 9.3097% | 5,142 |
| Core capital (leverage) ratio | 9.1786% | 4,616 |
| Tier 1 risk-based capital ratio | 16.4181% | 2,933 |
| Total risk-based capital ratio | 17.6826% | 2,891 |
| Memoranda: | ||
| Average total assets | $75,008,000 | 5,483 |
| Average earning assets | $65,361,000 | 5,577 |
| Average equity | $7,175,000 | 5,712 |
| Average total loans | $49,832,200 | 5,115 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1495% | 234 |
| Cost of funding earning assets | 0.5363% | 5,197 |
| Net interest margin | 5.6132% | 153 |
| Noninterest income to average assets | 1.2609% | 939 |
| Noninterest expense to average assets | 4.1405% | 784 |
| Loan and lease loss provision to assets | -0.2338% | 7,102 |
| Net operating income to assets | 1.4451% | 1,136 |
| Return on assets (ROA) | 1.4451% | 1,257 |
| Pretax return on assets | 2.2473% | 443 |
| Return on Equity (ROE) | 15.0086% | 899 |
| Retained earnings to average equity (ytd only) | 15.0086% | 235 |
| Net charge-offs to loans | 0.0294% | 5,246 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,562 |
| Earnings coverage of net charge-offs (x) | 103.3374% | 411 |
| Efficiency ratio | 67.2806% | 4,215 |
| Assets per employee ($millions) | 1.9614% | 7,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1988% | 1,706 |
| Loan loss allowance to noncurrent loans | 540.5941% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 4,918 |
| Noncurrent loans to loans | 0.4067% | 5,638 |
| Net loans and leases to total assets | 65.1654% | 2,805 |
| Net loans and leases to deposits | 80.2442% | 2,353 |
| Net loans and leases to core deposits | 81.7075% | 3,000 |
| Total domestic deposits to total assets | 81.2088% | 5,292 |
| Equity capital to assets | 10.2690% | 4,111 |
| Core capital (leverage) ratio | 10.1942% | 3,292 |
| Tier 1 risk-based capital ratio | 18.0081% | 2,340 |
| Total risk-based capital ratio | 19.2734% | 2,312 |
| Memoranda: | ||
| Average total assets | $75,287,250 | 5,541 |
| Average earning assets | $65,629,500 | 5,625 |
| Average equity | $7,249,000 | 5,758 |
| Average total loans | $49,845,500 | 5,174 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1790% | 229 |
| Cost of funding earning assets | 0.5374% | 5,390 |
| Net interest margin | 5.6416% | 147 |
| Noninterest income to average assets | 1.1650% | 1,046 |
| Noninterest expense to average assets | 4.1304% | 802 |
| Loan and lease loss provision to assets | -0.1589% | 7,138 |
| Net operating income to assets | 1.3821% | 1,226 |
| Return on assets (ROA) | 1.3821% | 1,375 |
| Pretax return on assets | 2.1128% | 570 |
| Return on Equity (ROE) | 14.6753% | 991 |
| Retained earnings to average equity (ytd only) | 14.6753% | 299 |
| Net charge-offs to loans | 0.0521% | 4,677 |
| Credit loss provision to net charge-offs | -461.5385% | 6,270 |
| Earnings coverage of net charge-offs (x) | 56.7692% | 666 |
| Efficiency ratio | 67.8851% | 4,144 |
| Assets per employee ($millions) | 1.9062% | 7,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3913% | 1,429 |
| Loan loss allowance to noncurrent loans | 417.6259% | 871 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 4,340 |
| Noncurrent loans to loans | 0.5726% | 5,367 |
| Net loans and leases to total assets | 63.7473% | 3,091 |
| Net loans and leases to deposits | 78.0343% | 2,661 |
| Net loans and leases to core deposits | 79.4524% | 3,296 |
| Total domestic deposits to total assets | 81.6914% | 5,236 |
| Equity capital to assets | 9.9015% | 4,485 |
| Core capital (leverage) ratio | 9.8021% | 3,713 |
| Tier 1 risk-based capital ratio | 17.9207% | 2,319 |
| Total risk-based capital ratio | 19.1910% | 2,279 |
| Memoranda: | ||
| Average total assets | $75,538,000 | 5,559 |
| Average earning assets | $65,868,000 | 5,653 |
| Average equity | $7,114,000 | 5,815 |
| Average total loans | $49,906,330 | 5,204 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2804% | 209 |
| Cost of funding earning assets | 0.5709% | 5,354 |
| Net interest margin | 5.7094% | 138 |
| Noninterest income to average assets | 1.1611% | 1,056 |
| Noninterest expense to average assets | 4.0454% | 884 |
| Loan and lease loss provision to assets | -0.2627% | 7,223 |
| Net operating income to assets | 1.6024% | 859 |
| Return on assets (ROA) | 1.6024% | 962 |
| Pretax return on assets | 2.3694% | 410 |
| Return on Equity (ROE) | 17.4523% | 609 |
| Retained earnings to average equity (ytd only) | 17.4523% | 286 |
| Net charge-offs to loans | -0.0554% | 6,569 |
| Credit loss provision to net charge-offs | 714.2857% | 489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7558% | 4,605 |
| Assets per employee ($millions) | 1.9775% | 7,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3915% | 1,521 |
| Loan loss allowance to noncurrent loans | 189.1892% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5456% | 3,544 |
| Noncurrent loans to loans | 1.2641% | 4,219 |
| Net loans and leases to total assets | 62.9781% | 3,050 |
| Net loans and leases to deposits | 76.4136% | 2,737 |
| Net loans and leases to core deposits | 77.8702% | 3,349 |
| Total domestic deposits to total assets | 82.4175% | 5,156 |
| Equity capital to assets | 9.2632% | 5,141 |
| Core capital (leverage) ratio | 9.4305% | 4,150 |
| Tier 1 risk-based capital ratio | 16.8184% | 2,750 |
| Total risk-based capital ratio | 18.0871% | 2,702 |
| Memoranda: | ||
| Average total assets | $76,136,000 | 5,587 |
| Average earning assets | $66,556,500 | 5,671 |
| Average equity | $6,990,500 | 5,876 |
| Average total loans | $50,583,500 | 5,204 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1809% | 324 |
| Cost of funding earning assets | 0.7265% | 5,362 |
| Net interest margin | 5.4544% | 192 |
| Noninterest income to average assets | 1.2226% | 879 |
| Noninterest expense to average assets | 3.8473% | 1,264 |
| Loan and lease loss provision to assets | 0.0458% | 6,003 |
| Net operating income to assets | 1.3117% | 1,212 |
| Return on assets (ROA) | 1.3117% | 1,323 |
| Pretax return on assets | 2.0674% | 469 |
| Return on Equity (ROE) | 14.6034% | 810 |
| Retained earnings to average equity (ytd only) | 1.1473% | 5,317 |
| Net charge-offs to loans | -0.0506% | 7,055 |
| Credit loss provision to net charge-offs | -133.3333% | 6,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5464% | 5,031 |
| Assets per employee ($millions) | 1.9269% | 7,182 |
| Cash dividends to net income (ytd only)* | 92.1435% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4005% | 1,459 |
| Loan loss allowance to noncurrent loans | 125.0253% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.6021% | 3,549 |
| Noncurrent loans to loans | 1.9200% | 3,315 |
| Net loans and leases to total assets | 66.7638% | 2,630 |
| Net loans and leases to deposits | 80.8407% | 2,382 |
| Net loans and leases to core deposits | 82.8607% | 3,046 |
| Total domestic deposits to total assets | 82.5868% | 4,931 |
| Equity capital to assets | 9.0978% | 5,412 |
| Core capital (leverage) ratio | 8.8815% | 4,975 |
| Tier 1 risk-based capital ratio | 15.8913% | 3,096 |
| Total risk-based capital ratio | 17.1620% | 3,050 |
| Memoranda: | ||
| Average total assets | $78,601,000 | 5,488 |
| Average earning assets | $68,275,000 | 5,602 |
| Average equity | $7,060,000 | 5,848 |
| Average total loans | $53,328,000 | 5,136 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1686% | 345 |
| Cost of funding earning assets | 0.7614% | 5,387 |
| Net interest margin | 5.4072% | 203 |
| Noninterest income to average assets | 1.2114% | 897 |
| Noninterest expense to average assets | 3.9094% | 1,136 |
| Loan and lease loss provision to assets | 0.0503% | 5,814 |
| Net operating income to assets | 1.2366% | 1,552 |
| Return on assets (ROA) | 1.2366% | 1,654 |
| Pretax return on assets | 1.9346% | 719 |
| Return on Equity (ROE) | 13.8094% | 1,077 |
| Retained earnings to average equity (ytd only) | 13.8094% | 303 |
| Net charge-offs to loans | -0.1115% | 7,188 |
| Credit loss provision to net charge-offs | -66.6667% | 6,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3251% | 4,657 |
| Assets per employee ($millions) | 2.0377% | 7,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4084% | 1,525 |
| Loan loss allowance to noncurrent loans | 135.8779% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 4,420 |
| Noncurrent loans to loans | 1.7725% | 3,678 |
| Net loans and leases to total assets | 65.2064% | 3,063 |
| Net loans and leases to deposits | 79.4405% | 2,732 |
| Net loans and leases to core deposits | 81.4696% | 3,414 |
| Total domestic deposits to total assets | 82.0821% | 5,060 |
| Equity capital to assets | 9.6783% | 4,807 |
| Core capital (leverage) ratio | 9.6763% | 3,880 |
| Tier 1 risk-based capital ratio | 17.2249% | 2,557 |
| Total risk-based capital ratio | 18.4955% | 2,509 |
| Memoranda: | ||
| Average total assets | $79,463,750 | 5,518 |
| Average earning assets | $68,820,000 | 5,624 |
| Average equity | $7,115,750 | 5,873 |
| Average total loans | $53,808,250 | 5,171 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1501% | 354 |
| Cost of funding earning assets | 0.7954% | 5,403 |
| Net interest margin | 5.3547% | 223 |
| Noninterest income to average assets | 1.1604% | 950 |
| Noninterest expense to average assets | 3.9031% | 1,187 |
| Loan and lease loss provision to assets | 0.0749% | 5,377 |
| Net operating income to assets | 1.1804% | 1,635 |
| Return on assets (ROA) | 1.1804% | 1,720 |
| Pretax return on assets | 1.8193% | 842 |
| Return on Equity (ROE) | 13.5343% | 1,078 |
| Retained earnings to average equity (ytd only) | 13.5343% | 352 |
| Net charge-offs to loans | -0.4624% | 7,395 |
| Credit loss provision to net charge-offs | -23.8095% | 6,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3267% | 4,642 |
| Assets per employee ($millions) | 2.0353% | 7,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5037% | 1,444 |
| Loan loss allowance to noncurrent loans | 80.1329% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 2.1993% | 2,983 |
| Noncurrent loans to loans | 3.1245% | 2,304 |
| Net loans and leases to total assets | 66.8123% | 2,858 |
| Net loans and leases to deposits | 81.0738% | 2,605 |
| Net loans and leases to core deposits | 83.7993% | 3,239 |
| Total domestic deposits to total assets | 82.4093% | 5,020 |
| Equity capital to assets | 9.3468% | 5,083 |
| Core capital (leverage) ratio | 9.1194% | 4,533 |
| Tier 1 risk-based capital ratio | 16.4270% | 2,780 |
| Total risk-based capital ratio | 17.7011% | 2,732 |
| Memoranda: | ||
| Average total assets | $80,141,330 | 5,544 |
| Average earning assets | $69,397,000 | 5,647 |
| Average equity | $6,989,670 | 5,929 |
| Average total loans | $54,499,000 | 5,189 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0539% | 432 |
| Cost of funding earning assets | 0.8331% | 5,377 |
| Net interest margin | 5.2209% | 248 |
| Noninterest income to average assets | 1.1185% | 1,049 |
| Noninterest expense to average assets | 3.8116% | 1,318 |
| Loan and lease loss provision to assets | 0.1472% | 4,170 |
| Net operating income to assets | 1.1234% | 1,758 |
| Return on assets (ROA) | 1.1234% | 1,804 |
| Pretax return on assets | 1.6483% | 1,084 |
| Return on Equity (ROE) | 13.3333% | 1,121 |
| Retained earnings to average equity (ytd only) | 13.3333% | 542 |
| Net charge-offs to loans | 0.2389% | 3,120 |
| Credit loss provision to net charge-offs | 90.9091% | 2,925 |
| Earnings coverage of net charge-offs (x) | 11.0909% | 1,581 |
| Efficiency ratio | 67.9790% | 4,656 |
| Assets per employee ($millions) | 2.1531% | 7,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 2,083 |
| Loan loss allowance to noncurrent loans | 52.9465% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 2.9114% | 2,370 |
| Noncurrent loans to loans | 4.0545% | 1,783 |
| Net loans and leases to total assets | 65.0741% | 3,225 |
| Net loans and leases to deposits | 77.8081% | 3,094 |
| Net loans and leases to core deposits | 80.2318% | 3,715 |
| Total domestic deposits to total assets | 83.6340% | 4,651 |
| Equity capital to assets | 8.5362% | 5,855 |
| Core capital (leverage) ratio | 8.7130% | 5,067 |
| Tier 1 risk-based capital ratio | 15.4118% | 3,203 |
| Total risk-based capital ratio | 16.6777% | 3,150 |
| Memoranda: | ||
| Average total assets | $81,541,000 | 5,545 |
| Average earning assets | $70,103,000 | 5,664 |
| Average equity | $6,870,000 | 5,965 |
| Average total loans | $55,248,000 | 5,206 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6174% | 270 |
| Cost of funding earning assets | 1.2229% | 4,400 |
| Net interest margin | 5.3946% | 201 |
| Noninterest income to average assets | 1.1244% | 1,170 |
| Noninterest expense to average assets | 4.0801% | 1,052 |
| Loan and lease loss provision to assets | 0.5427% | 2,973 |
| Net operating income to assets | 0.7646% | 2,940 |
| Return on assets (ROA) | 0.7646% | 3,063 |
| Pretax return on assets | 1.1964% | 2,237 |
| Return on Equity (ROE) | 9.4693% | 2,122 |
| Retained earnings to average equity (ytd only) | 1.4321% | 4,814 |
| Net charge-offs to loans | 0.7328% | 2,826 |
| Credit loss provision to net charge-offs | 103.1390% | 4,376 |
| Earnings coverage of net charge-offs (x) | 3.3049% | 3,426 |
| Efficiency ratio | 70.1135% | 4,159 |
| Assets per employee ($millions) | 2.0317% | 7,402 |
| Cash dividends to net income (ytd only)* | 84.8765% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0878% | 2,094 |
| Loan loss allowance to noncurrent loans | 43.0831% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 4.0804% | 1,655 |
| Noncurrent loans to loans | 4.8460% | 1,420 |
| Net loans and leases to total assets | 67.5756% | 3,086 |
| Net loans and leases to deposits | 80.4913% | 3,076 |
| Net loans and leases to core deposits | 83.4628% | 3,673 |
| Total domestic deposits to total assets | 83.9539% | 4,383 |
| Equity capital to assets | 8.3134% | 6,127 |
| Core capital (leverage) ratio | 8.3840% | 5,569 |
| Tier 1 risk-based capital ratio | 14.6601% | 3,443 |
| Total risk-based capital ratio | 15.9268% | 3,401 |
| Memoranda: | ||
| Average total assets | $84,753,800 | 5,454 |
| Average earning assets | $73,759,600 | 5,546 |
| Average equity | $6,843,200 | 6,091 |
| Average total loans | $60,862,000 | 5,036 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6928% | 246 |
| Cost of funding earning assets | 1.2824% | 4,353 |
| Net interest margin | 5.4104% | 202 |
| Noninterest income to average assets | 1.1165% | 1,125 |
| Noninterest expense to average assets | 4.1435% | 883 |
| Loan and lease loss provision to assets | 0.6073% | 2,506 |
| Net operating income to assets | 0.6976% | 3,423 |
| Return on assets (ROA) | 0.6976% | 3,583 |
| Pretax return on assets | 1.0760% | 2,909 |
| Return on Equity (ROE) | 8.7009% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.7009% | 1,161 |
| Net charge-offs to loans | 0.5092% | 3,252 |
| Credit loss provision to net charge-offs | 164.5570% | 2,287 |
| Earnings coverage of net charge-offs (x) | 4.5612% | 2,997 |
| Efficiency ratio | 71.1117% | 3,866 |
| Assets per employee ($millions) | 1.7097% | 7,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2208% | 1,763 |
| Loan loss allowance to noncurrent loans | 60.4061% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 3.1548% | 2,281 |
| Noncurrent loans to loans | 3.6764% | 2,126 |
| Net loans and leases to total assets | 71.7255% | 2,310 |
| Net loans and leases to deposits | 86.1742% | 2,295 |
| Net loans and leases to core deposits | 89.4134% | 3,184 |
| Total domestic deposits to total assets | 83.2332% | 4,489 |
| Equity capital to assets | 8.8445% | 5,789 |
| Core capital (leverage) ratio | 8.7571% | 5,091 |
| Tier 1 risk-based capital ratio | 15.0127% | 3,247 |
| Total risk-based capital ratio | 16.2817% | 3,224 |
| Memoranda: | ||
| Average total assets | $85,625,750 | 5,478 |
| Average earning assets | $74,545,500 | 5,589 |
| Average equity | $6,865,000 | 6,155 |
| Average total loans | $62,055,750 | 5,064 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6409% | 273 |
| Cost of funding earning assets | 1.3418% | 4,241 |
| Net interest margin | 5.2991% | 247 |
| Noninterest income to average assets | 1.1055% | 1,080 |
| Noninterest expense to average assets | 4.0717% | 958 |
| Loan and lease loss provision to assets | 0.7324% | 1,979 |
| Net operating income to assets | 0.6157% | 3,807 |
| Return on assets (ROA) | 0.6157% | 3,944 |
| Pretax return on assets | 0.9201% | 3,418 |
| Return on Equity (ROE) | 7.9300% | 2,909 |
| Retained earnings to average equity (ytd only) | 7.9300% | 1,463 |
| Net charge-offs to loans | 0.4089% | 3,349 |
| Credit loss provision to net charge-offs | 248.0620% | 1,553 |
| Earnings coverage of net charge-offs (x) | 5.5969% | 2,634 |
| Efficiency ratio | 71.1315% | 3,964 |
| Assets per employee ($millions) | 2.0956% | 7,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 1,746 |
| Loan loss allowance to noncurrent loans | 44.9150% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 3.7246% | 1,875 |
| Noncurrent loans to loans | 4.9067% | 1,420 |
| Net loans and leases to total assets | 73.1386% | 2,130 |
| Net loans and leases to deposits | 87.3251% | 2,287 |
| Net loans and leases to core deposits | 90.0224% | 3,257 |
| Total domestic deposits to total assets | 83.7545% | 4,224 |
| Equity capital to assets | 8.4758% | 6,191 |
| Core capital (leverage) ratio | 7.7568% | 6,549 |
| Tier 1 risk-based capital ratio | 14.4393% | 3,478 |
| Total risk-based capital ratio | 15.7083% | 3,434 |
| Memoranda: | ||
| Average total assets | $87,382,670 | 5,471 |
| Average earning assets | $76,164,000 | 5,571 |
| Average equity | $6,784,330 | 6,210 |
| Average total loans | $63,093,000 | 5,050 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6321% | 293 |
| Cost of funding earning assets | 1.3518% | 4,482 |
| Net interest margin | 5.2802% | 250 |
| Noninterest income to average assets | 1.0642% | 1,123 |
| Noninterest expense to average assets | 4.0483% | 959 |
| Loan and lease loss provision to assets | 0.9977% | 1,253 |
| Net operating income to assets | 0.4744% | 4,511 |
| Return on assets (ROA) | 0.4744% | 4,642 |
| Pretax return on assets | 0.6252% | 4,506 |
| Return on Equity (ROE) | 6.3757% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.3757% | 2,430 |
| Net charge-offs to loans | 0.6055% | 2,302 |
| Credit loss provision to net charge-offs | 231.9588% | 1,643 |
| Earnings coverage of net charge-offs (x) | 3.7732% | 2,790 |
| Efficiency ratio | 71.3839% | 4,050 |
| Assets per employee ($millions) | 2.2178% | 7,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0441% | 2,075 |
| Loan loss allowance to noncurrent loans | 67.1018% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.2622% | 3,195 |
| Noncurrent loans to loans | 3.0462% | 2,631 |
| Net loans and leases to total assets | 67.7232% | 3,460 |
| Net loans and leases to deposits | 84.5682% | 2,839 |
| Net loans and leases to core deposits | 87.0094% | 3,750 |
| Total domestic deposits to total assets | 80.0812% | 5,755 |
| Equity capital to assets | 7.4410% | 7,113 |
| Core capital (leverage) ratio | 7.4744% | 6,878 |
| Tier 1 risk-based capital ratio | 13.2123% | 4,202 |
| Total risk-based capital ratio | 14.4776% | 4,140 |
| Memoranda: | ||
| Average total assets | $90,210,500 | 5,443 |
| Average earning assets | $78,708,500 | 5,555 |
| Average equity | $6,713,000 | 6,283 |
| Average total loans | $64,079,000 | 5,079 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4069% | 150 |
| Cost of funding earning assets | 1.5701% | 5,184 |
| Net interest margin | 5.8369% | 130 |
| Noninterest income to average assets | 1.0834% | 1,315 |
| Noninterest expense to average assets | 3.8848% | 1,528 |
| Loan and lease loss provision to assets | 1.0196% | 2,237 |
| Net operating income to assets | 0.8383% | 2,390 |
| Return on assets (ROA) | 0.8383% | 2,474 |
| Pretax return on assets | 1.3218% | 1,635 |
| Return on Equity (ROE) | 10.9206% | 1,450 |
| Retained earnings to average equity (ytd only) | 0.7144% | 4,509 |
| Net charge-offs to loans | 0.9056% | 2,576 |
| Credit loss provision to net charge-offs | 143.9179% | 3,325 |
| Earnings coverage of net charge-offs (x) | 3.3049% | 3,413 |
| Efficiency ratio | 62.3944% | 6,074 |
| Assets per employee ($millions) | 2.1827% | 7,584 |
| Cash dividends to net income (ytd only)* | 93.4579% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 2,633 |
| Loan loss allowance to noncurrent loans | 74.5970% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 2.6114% | 2,692 |
| Noncurrent loans to loans | 2.3754% | 3,193 |
| Net loans and leases to total assets | 71.6667% | 2,843 |
| Net loans and leases to deposits | 89.6368% | 2,276 |
| Net loans and leases to core deposits | 109.3240% | 2,972 |
| Total domestic deposits to total assets | 79.9524% | 5,680 |
| Equity capital to assets | 7.4420% | 7,085 |
| Core capital (leverage) ratio | 7.4306% | 6,854 |
| Tier 1 risk-based capital ratio | 12.7727% | 4,303 |
| Total risk-based capital ratio | 14.0346% | 4,240 |
| Memoranda: | ||
| Average total assets | $89,348,200 | 5,412 |
| Average earning assets | $78,723,600 | 5,501 |
| Average equity | $6,858,600 | 6,316 |
| Average total loans | $69,899,200 | 4,869 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5079% | 146 |
| Cost of funding earning assets | 1.6055% | 5,375 |
| Net interest margin | 5.9024% | 121 |
| Noninterest income to average assets | 1.0749% | 1,373 |
| Noninterest expense to average assets | 3.9396% | 1,370 |
| Loan and lease loss provision to assets | 1.0226% | 1,876 |
| Net operating income to assets | 0.8539% | 2,598 |
| Return on assets (ROA) | 0.8539% | 2,663 |
| Pretax return on assets | 1.3376% | 1,854 |
| Return on Equity (ROE) | 11.0397% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.0397% | 467 |
| Net charge-offs to loans | 0.8257% | 2,315 |
| Credit loss provision to net charge-offs | 155.6818% | 3,060 |
| Earnings coverage of net charge-offs (x) | 3.5932% | 3,469 |
| Efficiency ratio | 62.5355% | 6,012 |
| Assets per employee ($millions) | 2.1163% | 7,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 2,770 |
| Loan loss allowance to noncurrent loans | 73.2422% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 3.2605% | 2,076 |
| Noncurrent loans to loans | 2.2663% | 3,310 |
| Net loans and leases to total assets | 74.9862% | 2,249 |
| Net loans and leases to deposits | 94.8835% | 1,734 |
| Net loans and leases to core deposits | 114.8188% | 2,748 |
| Total domestic deposits to total assets | 79.0297% | 5,794 |
| Equity capital to assets | 8.0792% | 6,773 |
| Core capital (leverage) ratio | 8.0014% | 6,350 |
| Tier 1 risk-based capital ratio | 13.4588% | 3,886 |
| Total risk-based capital ratio | 14.7201% | 3,810 |
| Memoranda: | ||
| Average total assets | $89,312,250 | 5,445 |
| Average earning assets | $79,061,500 | 5,524 |
| Average equity | $6,908,250 | 6,349 |
| Average total loans | $71,050,750 | 4,878 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6010% | 135 |
| Cost of funding earning assets | 1.6352% | 5,584 |
| Net interest margin | 5.9657% | 114 |
| Noninterest income to average assets | 1.0106% | 1,560 |
| Noninterest expense to average assets | 3.8410% | 1,589 |
| Loan and lease loss provision to assets | 1.0217% | 1,656 |
| Net operating income to assets | 0.9413% | 2,306 |
| Return on assets (ROA) | 0.9413% | 2,401 |
| Pretax return on assets | 1.4577% | 1,566 |
| Return on Equity (ROE) | 12.3509% | 1,324 |
| Retained earnings to average equity (ytd only) | 12.3509% | 394 |
| Net charge-offs to loans | 0.6737% | 2,353 |
| Credit loss provision to net charge-offs | 188.0658% | 2,429 |
| Earnings coverage of net charge-offs (x) | 4.5638% | 3,065 |
| Efficiency ratio | 60.7711% | 6,436 |
| Assets per employee ($millions) | 2.1361% | 7,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 3,043 |
| Loan loss allowance to noncurrent loans | 35.3512% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 3.8833% | 1,552 |
| Noncurrent loans to loans | 4.3234% | 1,508 |
| Net loans and leases to total assets | 78.4210% | 1,653 |
| Net loans and leases to deposits | 98.8424% | 1,418 |
| Net loans and leases to core deposits | 118.7881% | 2,477 |
| Total domestic deposits to total assets | 79.3395% | 5,707 |
| Equity capital to assets | 7.8369% | 6,934 |
| Core capital (leverage) ratio | 7.8971% | 6,492 |
| Tier 1 risk-based capital ratio | 13.0678% | 4,091 |
| Total risk-based capital ratio | 14.3277% | 4,005 |
| Memoranda: | ||
| Average total assets | $89,455,330 | 5,479 |
| Average earning assets | $79,621,330 | 5,543 |
| Average equity | $6,817,330 | 6,437 |
| Average total loans | $72,142,670 | 4,879 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6150% | 148 |
| Cost of funding earning assets | 1.7476% | 5,362 |
| Net interest margin | 5.8674% | 115 |
| Noninterest income to average assets | 0.9270% | 1,744 |
| Noninterest expense to average assets | 3.8019% | 1,466 |
| Loan and lease loss provision to assets | 1.0255% | 1,280 |
| Net operating income to assets | 0.8956% | 2,720 |
| Return on assets (ROA) | 0.8956% | 2,872 |
| Pretax return on assets | 1.3165% | 2,224 |
| Return on Equity (ROE) | 11.9216% | 1,683 |
| Retained earnings to average equity (ytd only) | 11.9216% | 799 |
| Net charge-offs to loans | 0.6070% | 1,961 |
| Credit loss provision to net charge-offs | 208.1818% | 2,151 |
| Earnings coverage of net charge-offs (x) | 4.7545% | 2,819 |
| Efficiency ratio | 61.8805% | 6,072 |
| Assets per employee ($millions) | 2.1711% | 7,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 3,590 |
| Loan loss allowance to noncurrent loans | 26.7417% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 4.1926% | 1,197 |
| Noncurrent loans to loans | 5.1750% | 1,036 |
| Net loans and leases to total assets | 79.8953% | 1,408 |
| Net loans and leases to deposits | 100.6852% | 1,316 |
| Net loans and leases to core deposits | 122.7845% | 2,188 |
| Total domestic deposits to total assets | 79.3516% | 5,587 |
| Equity capital to assets | 7.6505% | 7,217 |
| Core capital (leverage) ratio | 7.5363% | 7,111 |
| Tier 1 risk-based capital ratio | 10.8354% | 6,060 |
| Total risk-based capital ratio | 12.0895% | 5,961 |
| Memoranda: | ||
| Average total assets | $89,324,500 | 5,511 |
| Average earning assets | $79,422,000 | 5,569 |
| Average equity | $6,710,500 | 6,516 |
| Average total loans | $72,489,500 | 4,887 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3434% | 121 |
| Cost of funding earning assets | 2.3531% | 4,916 |
| Net interest margin | 5.9903% | 109 |
| Noninterest income to average assets | 1.0397% | 1,456 |
| Noninterest expense to average assets | 3.2584% | 3,126 |
| Loan and lease loss provision to assets | 0.3344% | 3,711 |
| Net operating income to assets | 1.7331% | 631 |
| Return on assets (ROA) | 1.7331% | 603 |
| Pretax return on assets | 2.7621% | 127 |
| Return on Equity (ROE) | 23.6314% | 186 |
| Retained earnings to average equity (ytd only) | 5.3635% | 1,828 |
| Net charge-offs to loans | 0.1773% | 4,431 |
| Credit loss provision to net charge-offs | 238.1679% | 1,983 |
| Earnings coverage of net charge-offs (x) | 22.0534% | 1,497 |
| Efficiency ratio | 51.2734% | 7,565 |
| Assets per employee ($millions) | 2.3588% | 7,467 |
| Cash dividends to net income (ytd only)* | 77.3036% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 4,479 |
| Loan loss allowance to noncurrent loans | 20.3096% | 7,226 |
| Noncurrent assets plus other real estate owned to assets | 5.2926% | 625 |
| Noncurrent loans to loans | 5.9399% | 611 |
| Net loans and leases to total assets | 80.3079% | 1,588 |
| Net loans and leases to deposits | 103.5324% | 1,394 |
| Net loans and leases to core deposits | 126.9179% | 2,090 |
| Total domestic deposits to total assets | 77.5679% | 5,852 |
| Equity capital to assets | 7.3755% | 7,489 |
| Core capital (leverage) ratio | 7.1219% | 7,596 |
| Tier 1 risk-based capital ratio | 11.5132% | 5,226 |
| Total risk-based capital ratio | 12.7673% | 5,121 |
| Memoranda: | ||
| Average total assets | $93,298,600 | 5,248 |
| Average earning assets | $82,784,200 | 5,338 |
| Average equity | $6,842,600 | 6,508 |
| Average total loans | $73,874,000 | 4,743 |