Home > Owingsville Banking Company > Performance and Condition Ratios
Owingsville Banking Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9887% | 647 |
| Cost of funding earning assets | 1.4956% | 1,952 |
| Net interest margin | 4.4930% | 623 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 3.6523% | 478 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6143% | 3,406 |
| Return on assets (ROA) | 0.6143% | 3,390 |
| Pretax return on assets | 0.7339% | 3,371 |
| Return on Equity (ROE) | 10.2000% | 2,436 |
| Retained earnings to average equity (ytd only) | 6.3772% | 2,099 |
| Net charge-offs to loans | 0.0893% | 981 |
| Credit loss provision to net charge-offs | 41.0714% | 2,232 |
| Earnings coverage of net charge-offs (x) | 11.8036% | 2,175 |
| Efficiency ratio | 82.7685% | 737 |
| Assets per employee ($millions) | 3.6436% | 4,256 |
| Cash dividends to net income (ytd only)* | 37.4532% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,530 |
| Loan loss allowance to noncurrent loans | 187.1579% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 845 |
| Noncurrent loans to loans | 0.7293% | 1,068 |
| Net loans and leases to total assets | 70.5200% | 1,750 |
| Net loans and leases to deposits | 77.9331% | 2,270 |
| Net loans and leases to core deposits | 81.9777% | 2,584 |
| Total domestic deposits to total assets | 90.4900% | 634 |
| Equity capital to assets | 6.5924% | 4,085 |
| Core capital (leverage) ratio | 9.2999% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $86,931,800 | 3,950 |
| Average earning assets | $80,836,200 | 3,921 |
| Average equity | $5,237,400 | 4,239 |
| Average total loans | $62,709,600 | 3,668 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8559% | 641 |
| Cost of funding earning assets | 1.4828% | 1,658 |
| Net interest margin | 4.3731% | 728 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 3.5128% | 546 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6566% | 3,415 |
| Return on assets (ROA) | 0.6566% | 3,404 |
| Pretax return on assets | 0.7389% | 3,474 |
| Return on Equity (ROE) | 11.1800% | 2,329 |
| Retained earnings to average equity (ytd only) | 11.1780% | 1,135 |
| Net charge-offs to loans | 0.0708% | 976 |
| Credit loss provision to net charge-offs | 63.6364% | 1,839 |
| Earnings coverage of net charge-offs (x) | 15.0606% | 1,977 |
| Efficiency ratio | 81.9928% | 733 |
| Assets per employee ($millions) | 3.4744% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,330 |
| Loan loss allowance to noncurrent loans | 146.3768% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 744 |
| Noncurrent loans to loans | 0.9774% | 836 |
| Net loans and leases to total assets | 72.1000% | 1,564 |
| Net loans and leases to deposits | 79.5021% | 2,094 |
| Net loans and leases to core deposits | 83.8088% | 2,338 |
| Total domestic deposits to total assets | 90.6900% | 748 |
| Equity capital to assets | 6.0119% | 3,985 |
| Core capital (leverage) ratio | 9.5134% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $85,892,250 | 3,979 |
| Average earning assets | $79,849,500 | 3,949 |
| Average equity | $5,045,500 | 4,270 |
| Average total loans | $62,104,500 | 3,683 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6202% | 712 |
| Cost of funding earning assets | 1.3575% | 1,564 |
| Net interest margin | 4.2626% | 848 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 3.4335% | 579 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5539% | 3,691 |
| Return on assets (ROA) | 0.5539% | 3,697 |
| Pretax return on assets | 0.6661% | 3,670 |
| Return on Equity (ROE) | 9.5100% | 2,829 |
| Retained earnings to average equity (ytd only) | 9.5053% | 1,538 |
| Net charge-offs to loans | 0.0292% | 1,306 |
| Credit loss provision to net charge-offs | 255.5556% | 944 |
| Earnings coverage of net charge-offs (x) | 34.2222% | 1,485 |
| Efficiency ratio | 82.6674% | 672 |
| Assets per employee ($millions) | 3.5660% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,233 |
| Loan loss allowance to noncurrent loans | 144.7368% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 704 |
| Noncurrent loans to loans | 1.0237% | 738 |
| Net loans and leases to total assets | 69.7400% | 1,777 |
| Net loans and leases to deposits | 76.6745% | 2,242 |
| Net loans and leases to core deposits | 80.9779% | 2,410 |
| Total domestic deposits to total assets | 90.9500% | 665 |
| Equity capital to assets | 5.9630% | 4,169 |
| Core capital (leverage) ratio | 9.2533% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $85,569,333 | 3,998 |
| Average earning assets | $79,997,667 | 3,968 |
| Average equity | $4,986,667 | 4,295 |
| Average total loans | $61,627,333 | 3,696 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 776 |
| Cost of funding earning assets | 1.2143% | 1,416 |
| Net interest margin | 4.1379% | 1,049 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.3660% | 637 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.6207% | 3,657 |
| Return on assets (ROA) | 0.6207% | 3,608 |
| Pretax return on assets | 0.7018% | 3,659 |
| Return on Equity (ROE) | 10.7800% | 2,552 |
| Retained earnings to average equity (ytd only) | 10.7839% | 1,520 |
| Net charge-offs to loans | 0.0591% | 783 |
| Credit loss provision to net charge-offs | 255.5556% | 741 |
| Earnings coverage of net charge-offs (x) | 18.8889% | 1,479 |
| Efficiency ratio | 80.5714% | 788 |
| Assets per employee ($millions) | 3.1524% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,205 |
| Loan loss allowance to noncurrent loans | 158.5448% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.8165% | 578 |
| Noncurrent loans to loans | 0.9569% | 782 |
| Net loans and leases to total assets | 71.4600% | 1,479 |
| Net loans and leases to deposits | 79.3035% | 1,868 |
| Net loans and leases to core deposits | 82.8611% | 2,072 |
| Total domestic deposits to total assets | 90.1100% | 1,122 |
| Equity capital to assets | 5.8461% | 4,254 |
| Core capital (leverage) ratio | 9.5571% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $83,779,000 | 4,066 |
| Average earning assets | $78,397,000 | 4,031 |
| Average equity | $4,822,000 | 4,363 |
| Average total loans | $60,888,500 | 3,748 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0425% | 283 |
| Cost of funding earning assets | 1.0145% | 151 |
| Net interest margin | 4.0279% | 753 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 3.2732% | 654 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.6872% | 3,650 |
| Return on assets (ROA) | 0.6872% | 3,601 |
| Pretax return on assets | 0.8214% | 3,569 |
| Return on Equity (ROE) | 11.5700% | 2,278 |
| Retained earnings to average equity (ytd only) | 7.4252% | 2,057 |
| Net charge-offs to loans | 0.1680% | 498 |
| Credit loss provision to net charge-offs | 144.3299% | 1,325 |
| Earnings coverage of net charge-offs (x) | 8.3196% | 2,269 |
| Efficiency ratio | 76.7100% | 944 |
| Assets per employee ($millions) | 3.2977% | 4,490 |
| Cash dividends to net income (ytd only)* | 35.8423% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 1,104 |
| Loan loss allowance to noncurrent loans | 150.6536% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 528 |
| Noncurrent loans to loans | 1.0197% | 710 |
| Net loans and leases to total assets | 71.6800% | 1,453 |
| Net loans and leases to deposits | 79.4934% | 1,811 |
| Net loans and leases to core deposits | 82.6441% | 1,958 |
| Total domestic deposits to total assets | 90.1700% | 1,283 |
| Equity capital to assets | 5.6622% | 4,192 |
| Core capital (leverage) ratio | 9.7021% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,204,000 | 4,116 |
| Average earning assets | $76,192,800 | 4,085 |
| Average equity | $4,821,400 | 4,449 |
| Average total loans | $57,752,600 | 3,774 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 214 |
| Cost of funding earning assets | 0.9514% | 77 |
| Net interest margin | 4.0355% | 598 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 3.2387% | 647 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.6230% | 3,775 |
| Return on assets (ROA) | 0.6230% | 3,729 |
| Pretax return on assets | 0.7466% | 3,704 |
| Return on Equity (ROE) | 10.3700% | 2,619 |
| Retained earnings to average equity (ytd only) | 10.3706% | 1,235 |
| Net charge-offs to loans | 0.0933% | 663 |
| Credit loss provision to net charge-offs | 262.5000% | 874 |
| Earnings coverage of net charge-offs (x) | 13.9500% | 1,873 |
| Efficiency ratio | 77.8835% | 923 |
| Assets per employee ($millions) | 3.1993% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,057 |
| Loan loss allowance to noncurrent loans | 145.9042% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 417 |
| Noncurrent loans to loans | 1.1002% | 682 |
| Net loans and leases to total assets | 72.3500% | 1,248 |
| Net loans and leases to deposits | 82.9546% | 1,369 |
| Net loans and leases to core deposits | 85.8149% | 1,534 |
| Total domestic deposits to total assets | 87.2100% | 2,694 |
| Equity capital to assets | 5.5449% | 4,114 |
| Core capital (leverage) ratio | 9.7832% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $80,894,500 | 4,150 |
| Average earning assets | $75,957,000 | 4,119 |
| Average equity | $4,859,750 | 4,489 |
| Average total loans | $57,187,000 | 3,801 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8905% | 198 |
| Cost of funding earning assets | 0.9487% | 46 |
| Net interest margin | 3.9417% | 564 |
| Noninterest income to average assets | 0.3670% | 2,946 |
| Noninterest expense to average assets | 3.2119% | 616 |
| Loan and lease loss provision to assets | 0.1724% | 518 |
| Net operating income to assets | 0.5591% | 3,739 |
| Return on assets (ROA) | 0.5591% | 3,690 |
| Pretax return on assets | 0.6872% | 3,607 |
| Return on Equity (ROE) | 9.0776% | 2,674 |
| Retained earnings to average equity (ytd only) | 9.0776% | 1,265 |
| Net charge-offs to loans | 0.1130% | 535 |
| Credit loss provision to net charge-offs | 218.7500% | 930 |
| Earnings coverage of net charge-offs (x) | 10.9063% | 1,744 |
| Efficiency ratio | 78.8869% | 1,028 |
| Assets per employee ($millions) | 3.3424% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 1,160 |
| Loan loss allowance to noncurrent loans | 297.7273% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 1,160 |
| Noncurrent loans to loans | 0.5362% | 1,546 |
| Net loans and leases to total assets | 70.4651% | 1,257 |
| Net loans and leases to deposits | 78.5059% | 1,502 |
| Net loans and leases to core deposits | 81.1173% | 1,650 |
| Total domestic deposits to total assets | 89.7578% | 1,817 |
| Equity capital to assets | 5.7419% | 4,288 |
| Core capital (leverage) ratio | 9.5895% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,198,333 | 4,186 |
| Average earning assets | $76,311,667 | 4,165 |
| Average equity | $5,001,333 | 4,521 |
| Average total loans | $56,646,333 | 3,848 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 202 |
| Cost of funding earning assets | 0.9565% | 41 |
| Net interest margin | 3.8469% | 575 |
| Noninterest income to average assets | 0.3281% | 3,138 |
| Noninterest expense to average assets | 3.2073% | 596 |
| Loan and lease loss provision to assets | 0.1714% | 452 |
| Net operating income to assets | 0.4701% | 3,789 |
| Return on assets (ROA) | 0.4701% | 3,754 |
| Pretax return on assets | 0.5729% | 3,699 |
| Return on Equity (ROE) | 7.3860% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.3860% | 1,768 |
| Net charge-offs to loans | 0.1138% | 478 |
| Credit loss provision to net charge-offs | 218.7500% | 749 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,482 |
| Efficiency ratio | 81.1648% | 1,057 |
| Assets per employee ($millions) | 3.7427% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,285 |
| Loan loss allowance to noncurrent loans | 211.7925% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 1,096 |
| Noncurrent loans to loans | 0.7533% | 1,263 |
| Net loans and leases to total assets | 67.2699% | 1,285 |
| Net loans and leases to deposits | 75.1326% | 1,512 |
| Net loans and leases to core deposits | 77.5857% | 1,648 |
| Total domestic deposits to total assets | 89.5349% | 1,796 |
| Equity capital to assets | 5.9631% | 4,593 |
| Core capital (leverage) ratio | 9.3262% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,689,000 | 4,200 |
| Average earning assets | $76,946,000 | 4,171 |
| Average equity | $5,199,000 | 4,547 |
| Average total loans | $56,248,500 | 3,861 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 186 |
| Cost of funding earning assets | 1.0461% | 59 |
| Net interest margin | 4.1764% | 509 |
| Noninterest income to average assets | 0.5677% | 2,289 |
| Noninterest expense to average assets | 3.6502% | 402 |
| Loan and lease loss provision to assets | 0.2127% | 491 |
| Net operating income to assets | 0.5098% | 4,065 |
| Return on assets (ROA) | 0.5098% | 4,114 |
| Pretax return on assets | 0.6142% | 4,082 |
| Return on Equity (ROE) | 8.3265% | 3,126 |
| Retained earnings to average equity (ytd only) | 6.2706% | 2,241 |
| Net charge-offs to loans | 0.0697% | 1,096 |
| Credit loss provision to net charge-offs | 456.7568% | 844 |
| Earnings coverage of net charge-offs (x) | 17.7568% | 1,930 |
| Efficiency ratio | 81.5294% | 715 |
| Assets per employee ($millions) | 3.8584% | 4,468 |
| Cash dividends to net income (ytd only)* | 24.6914% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 1,349 |
| Loan loss allowance to noncurrent loans | 160.6947% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 845 |
| Noncurrent loans to loans | 0.9732% | 1,027 |
| Net loans and leases to total assets | 68.2867% | 1,233 |
| Net loans and leases to deposits | 77.4952% | 1,447 |
| Net loans and leases to core deposits | 80.0793% | 1,587 |
| Total domestic deposits to total assets | 88.1174% | 1,983 |
| Equity capital to assets | 5.9586% | 4,815 |
| Core capital (leverage) ratio | 9.2404% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,447,000 | 4,223 |
| Average earning assets | $74,370,200 | 4,203 |
| Average equity | $4,864,000 | 4,643 |
| Average total loans | $53,101,800 | 3,947 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2929% | 196 |
| Cost of funding earning assets | 1.0481% | 73 |
| Net interest margin | 4.2448% | 505 |
| Noninterest income to average assets | 0.6156% | 2,146 |
| Noninterest expense to average assets | 3.3715% | 555 |
| Loan and lease loss provision to assets | 0.1923% | 546 |
| Net operating income to assets | 0.7927% | 3,540 |
| Return on assets (ROA) | 0.7927% | 3,609 |
| Pretax return on assets | 1.0137% | 3,415 |
| Return on Equity (ROE) | 12.8597% | 1,740 |
| Retained earnings to average equity (ytd only) | 12.8597% | 660 |
| Net charge-offs to loans | 0.0663% | 981 |
| Credit loss provision to net charge-offs | 438.4615% | 820 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,573 |
| Efficiency ratio | 73.6551% | 1,247 |
| Assets per employee ($millions) | 3.7911% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 1,535 |
| Loan loss allowance to noncurrent loans | 187.8378% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 1,227 |
| Noncurrent loans to loans | 0.8117% | 1,403 |
| Net loans and leases to total assets | 67.6590% | 1,358 |
| Net loans and leases to deposits | 77.4761% | 1,528 |
| Net loans and leases to core deposits | 80.1196% | 1,716 |
| Total domestic deposits to total assets | 87.3289% | 2,199 |
| Equity capital to assets | 6.3984% | 4,871 |
| Core capital (leverage) ratio | 9.5449% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,052,250 | 4,282 |
| Average earning assets | $73,782,000 | 4,262 |
| Average equity | $4,873,000 | 4,712 |
| Average total loans | $52,325,000 | 4,007 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3260% | 208 |
| Cost of funding earning assets | 1.0608% | 83 |
| Net interest margin | 4.2651% | 519 |
| Noninterest income to average assets | 0.3170% | 3,529 |
| Noninterest expense to average assets | 3.2790% | 636 |
| Loan and lease loss provision to assets | 0.1826% | 627 |
| Net operating income to assets | 0.7532% | 3,633 |
| Return on assets (ROA) | 0.7532% | 3,705 |
| Pretax return on assets | 0.8318% | 3,800 |
| Return on Equity (ROE) | 12.3767% | 1,922 |
| Retained earnings to average equity (ytd only) | 12.3767% | 837 |
| Net charge-offs to loans | 0.0233% | 1,482 |
| Credit loss provision to net charge-offs | 1,200.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 66.6667% | 921 |
| Efficiency ratio | 76.3733% | 1,048 |
| Assets per employee ($millions) | 3.4823% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,483 |
| Loan loss allowance to noncurrent loans | 183.1081% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 1,431 |
| Noncurrent loans to loans | 0.8372% | 1,468 |
| Net loans and leases to total assets | 65.2030% | 1,798 |
| Net loans and leases to deposits | 74.6085% | 1,941 |
| Net loans and leases to core deposits | 77.1263% | 2,123 |
| Total domestic deposits to total assets | 87.3934% | 2,134 |
| Equity capital to assets | 6.1429% | 4,915 |
| Core capital (leverage) ratio | 9.3266% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,865,000 | 4,311 |
| Average earning assets | $73,526,667 | 4,289 |
| Average equity | $4,799,333 | 4,748 |
| Average total loans | $51,533,333 | 4,045 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 242 |
| Cost of funding earning assets | 1.0612% | 101 |
| Net interest margin | 4.2174% | 585 |
| Noninterest income to average assets | 0.2863% | 3,692 |
| Noninterest expense to average assets | 3.3226% | 584 |
| Loan and lease loss provision to assets | 0.1840% | 669 |
| Net operating income to assets | 0.6339% | 3,853 |
| Return on assets (ROA) | 0.6339% | 3,921 |
| Pretax return on assets | 0.7003% | 4,018 |
| Return on Equity (ROE) | 10.4663% | 2,545 |
| Retained earnings to average equity (ytd only) | 10.4663% | 1,529 |
| Net charge-offs to loans | 0.0236% | 1,275 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 840 |
| Efficiency ratio | 78.9793% | 893 |
| Assets per employee ($millions) | 3.6375% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 1,533 |
| Loan loss allowance to noncurrent loans | 156.3126% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 1,502 |
| Noncurrent loans to loans | 0.9730% | 1,389 |
| Net loans and leases to total assets | 63.1136% | 2,156 |
| Net loans and leases to deposits | 72.0650% | 2,312 |
| Net loans and leases to core deposits | 72.9002% | 2,624 |
| Total domestic deposits to total assets | 87.5787% | 2,053 |
| Equity capital to assets | 5.8732% | 4,948 |
| Core capital (leverage) ratio | 8.9654% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,251,000 | 4,330 |
| Average earning assets | $72,745,500 | 4,320 |
| Average equity | $4,739,000 | 4,769 |
| Average total loans | $50,782,000 | 4,080 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5069% | 185 |
| Cost of funding earning assets | 1.2648% | 210 |
| Net interest margin | 4.2421% | 573 |
| Noninterest income to average assets | 0.3891% | 3,159 |
| Noninterest expense to average assets | 3.5950% | 605 |
| Loan and lease loss provision to assets | 0.1842% | 2,112 |
| Net operating income to assets | 0.4943% | 4,042 |
| Return on assets (ROA) | 0.5087% | 4,095 |
| Pretax return on assets | 0.5870% | 4,103 |
| Return on Equity (ROE) | 7.4969% | 3,000 |
| Retained earnings to average equity (ytd only) | 2.4314% | 3,645 |
| Net charge-offs to loans | 0.1954% | 877 |
| Credit loss provision to net charge-offs | 139.5833% | 2,487 |
| Earnings coverage of net charge-offs (x) | 5.7188% | 2,846 |
| Efficiency ratio | 82.6485% | 710 |
| Assets per employee ($millions) | 3.3173% | 4,715 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 1,642 |
| Loan loss allowance to noncurrent loans | 148.0159% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 1,322 |
| Noncurrent loans to loans | 1.0024% | 1,418 |
| Net loans and leases to total assets | 64.9191% | 2,239 |
| Net loans and leases to deposits | 74.4741% | 2,440 |
| Net loans and leases to core deposits | 77.0386% | 2,633 |
| Total domestic deposits to total assets | 87.1700% | 1,857 |
| Equity capital to assets | 6.6882% | 4,941 |
| Core capital (leverage) ratio | 9.4112% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,740,000 | 4,344 |
| Average earning assets | $67,914,200 | 4,324 |
| Average equity | $4,935,400 | 4,762 |
| Average total loans | $49,130,800 | 4,123 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5789% | 196 |
| Cost of funding earning assets | 1.2874% | 259 |
| Net interest margin | 4.2915% | 593 |
| Noninterest income to average assets | 0.4008% | 3,074 |
| Noninterest expense to average assets | 3.6816% | 550 |
| Loan and lease loss provision to assets | 0.2491% | 1,624 |
| Net operating income to assets | 0.3897% | 4,284 |
| Return on assets (ROA) | 0.3897% | 4,346 |
| Pretax return on assets | 0.4788% | 4,321 |
| Return on Equity (ROE) | 5.7217% | 3,652 |
| Retained earnings to average equity (ytd only) | 5.7217% | 2,227 |
| Net charge-offs to loans | 0.1501% | 973 |
| Credit loss provision to net charge-offs | 243.6364% | 1,947 |
| Earnings coverage of net charge-offs (x) | 7.1273% | 2,598 |
| Efficiency ratio | 83.5017% | 641 |
| Assets per employee ($millions) | 3.1925% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,133 |
| Loan loss allowance to noncurrent loans | 135.9240% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 1,266 |
| Noncurrent loans to loans | 1.1695% | 1,298 |
| Net loans and leases to total assets | 66.3507% | 2,475 |
| Net loans and leases to deposits | 76.1417% | 2,736 |
| Net loans and leases to core deposits | 78.5540% | 2,963 |
| Total domestic deposits to total assets | 87.1411% | 1,611 |
| Equity capital to assets | 7.1322% | 4,932 |
| Core capital (leverage) ratio | 9.7695% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,850,500 | 4,365 |
| Average earning assets | $67,108,250 | 4,343 |
| Average equity | $4,893,500 | 4,796 |
| Average total loans | $48,844,000 | 4,154 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6617% | 249 |
| Cost of funding earning assets | 1.3123% | 345 |
| Net interest margin | 4.3494% | 676 |
| Noninterest income to average assets | 0.4066% | 3,035 |
| Noninterest expense to average assets | 3.6958% | 581 |
| Loan and lease loss provision to assets | 0.2552% | 1,660 |
| Net operating income to assets | 0.4094% | 4,215 |
| Return on assets (ROA) | 0.4094% | 4,277 |
| Pretax return on assets | 0.5075% | 4,236 |
| Return on Equity (ROE) | 6.1101% | 3,468 |
| Retained earnings to average equity (ytd only) | 6.1101% | 2,028 |
| Net charge-offs to loans | 0.1193% | 1,133 |
| Credit loss provision to net charge-offs | 313.7931% | 1,583 |
| Earnings coverage of net charge-offs (x) | 9.3793% | 2,225 |
| Efficiency ratio | 82.8931% | 703 |
| Assets per employee ($millions) | 3.1930% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,103 |
| Loan loss allowance to noncurrent loans | 252.7869% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 2,423 |
| Noncurrent loans to loans | 0.6175% | 2,314 |
| Net loans and leases to total assets | 66.2114% | 2,597 |
| Net loans and leases to deposits | 75.9884% | 2,868 |
| Net loans and leases to core deposits | 78.0686% | 3,100 |
| Total domestic deposits to total assets | 87.1335% | 1,563 |
| Equity capital to assets | 7.0085% | 4,973 |
| Core capital (leverage) ratio | 9.8821% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,324,667 | 4,383 |
| Average earning assets | $66,446,667 | 4,366 |
| Average equity | $4,779,000 | 4,830 |
| Average total loans | $48,623,000 | 4,164 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7416% | 236 |
| Cost of funding earning assets | 1.3714% | 449 |
| Net interest margin | 4.3702% | 663 |
| Noninterest income to average assets | 0.4440% | 2,823 |
| Noninterest expense to average assets | 3.7685% | 649 |
| Loan and lease loss provision to assets | 0.2619% | 1,191 |
| Net operating income to assets | 0.3985% | 4,140 |
| Return on assets (ROA) | 0.3985% | 4,176 |
| Pretax return on assets | 0.4953% | 4,131 |
| Return on Equity (ROE) | 6.0936% | 3,285 |
| Retained earnings to average equity (ytd only) | 6.0936% | 1,834 |
| Net charge-offs to loans | 0.1410% | 892 |
| Credit loss provision to net charge-offs | 270.5882% | 1,246 |
| Earnings coverage of net charge-offs (x) | 7.8235% | 1,896 |
| Efficiency ratio | 83.2704% | 881 |
| Assets per employee ($millions) | 3.0631% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 1,270 |
| Loan loss allowance to noncurrent loans | 146.7197% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 1,744 |
| Noncurrent loans to loans | 1.0370% | 1,605 |
| Net loans and leases to total assets | 67.8022% | 2,573 |
| Net loans and leases to deposits | 77.3158% | 2,944 |
| Net loans and leases to core deposits | 79.5020% | 3,240 |
| Total domestic deposits to total assets | 87.6952% | 1,232 |
| Equity capital to assets | 6.3277% | 5,097 |
| Core capital (leverage) ratio | 9.9883% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,267,500 | 4,412 |
| Average earning assets | $65,626,000 | 4,391 |
| Average equity | $4,595,000 | 4,885 |
| Average total loans | $48,236,500 | 4,187 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6772% | 417 |
| Cost of funding earning assets | 1.3571% | 642 |
| Net interest margin | 4.3201% | 1,046 |
| Noninterest income to average assets | 0.4664% | 2,922 |
| Noninterest expense to average assets | 3.6947% | 768 |
| Loan and lease loss provision to assets | 0.2836% | 611 |
| Net operating income to assets | 0.4508% | 4,504 |
| Return on assets (ROA) | 0.4508% | 4,539 |
| Pretax return on assets | 0.5274% | 4,526 |
| Return on Equity (ROE) | 6.7556% | 3,641 |
| Retained earnings to average equity (ytd only) | 2.5068% | 3,779 |
| Net charge-offs to loans | 0.4128% | 471 |
| Credit loss provision to net charge-offs | 100.5025% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.8744% | 3,371 |
| Efficiency ratio | 82.0013% | 800 |
| Assets per employee ($millions) | 3.0460% | 4,803 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,290 |
| Loan loss allowance to noncurrent loans | 112.9187% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 1,278 |
| Noncurrent loans to loans | 1.3071% | 1,153 |
| Net loans and leases to total assets | 67.4579% | 2,762 |
| Net loans and leases to deposits | 77.5119% | 3,061 |
| Net loans and leases to core deposits | 79.7257% | 3,321 |
| Total domestic deposits to total assets | 87.0291% | 1,591 |
| Equity capital to assets | 6.8644% | 5,150 |
| Core capital (leverage) ratio | 9.9099% | 3,612 |
| Tier 1 risk-based capital ratio | 15.3848% | 2,624 |
| Total risk-based capital ratio | 16.6349% | 2,554 |
| Memoranda: | ||
| Average total assets | $70,534,000 | 4,421 |
| Average earning assets | $65,947,800 | 4,406 |
| Average equity | $4,707,200 | 4,919 |
| Average total loans | $48,207,800 | 4,219 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6662% | 442 |
| Cost of funding earning assets | 1.3711% | 640 |
| Net interest margin | 4.2951% | 1,172 |
| Noninterest income to average assets | 0.4737% | 2,884 |
| Noninterest expense to average assets | 3.7251% | 727 |
| Loan and lease loss provision to assets | 0.3246% | 433 |
| Net operating income to assets | 0.3435% | 4,793 |
| Return on assets (ROA) | 0.3435% | 4,815 |
| Pretax return on assets | 0.4378% | 4,764 |
| Return on Equity (ROE) | 5.1831% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.0977% | 2,848 |
| Net charge-offs to loans | 0.3729% | 453 |
| Credit loss provision to net charge-offs | 127.4074% | 1,853 |
| Earnings coverage of net charge-offs (x) | 2.9925% | 3,146 |
| Efficiency ratio | 83.0109% | 688 |
| Assets per employee ($millions) | 3.0335% | 4,872 |
| Cash dividends to net income (ytd only)* | 1.6484% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,137 |
| Loan loss allowance to noncurrent loans | 109.2511% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1251% | 1,161 |
| Noncurrent loans to loans | 1.4102% | 1,081 |
| Net loans and leases to total assets | 68.1468% | 2,769 |
| Net loans and leases to deposits | 78.8543% | 3,023 |
| Net loans and leases to core deposits | 81.1241% | 3,307 |
| Total domestic deposits to total assets | 86.4211% | 1,810 |
| Equity capital to assets | 7.0116% | 5,222 |
| Core capital (leverage) ratio | 9.7386% | 3,922 |
| Tier 1 risk-based capital ratio | 15.9440% | 2,454 |
| Total risk-based capital ratio | 17.1987% | 2,392 |
| Memoranda: | ||
| Average total assets | $70,653,250 | 4,472 |
| Average earning assets | $66,026,750 | 4,458 |
| Average equity | $4,681,750 | 4,989 |
| Average total loans | $48,268,000 | 4,268 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6229% | 455 |
| Cost of funding earning assets | 1.3498% | 645 |
| Net interest margin | 4.2730% | 1,196 |
| Noninterest income to average assets | 0.4736% | 2,819 |
| Noninterest expense to average assets | 3.7267% | 726 |
| Loan and lease loss provision to assets | 0.3242% | 410 |
| Net operating income to assets | 0.3101% | 4,862 |
| Return on assets (ROA) | 0.3101% | 4,873 |
| Pretax return on assets | 0.4116% | 4,818 |
| Return on Equity (ROE) | 4.7705% | 4,399 |
| Retained earnings to average equity (ytd only) | 4.6404% | 2,954 |
| Net charge-offs to loans | 0.3605% | 464 |
| Credit loss provision to net charge-offs | 132.1839% | 1,646 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,888 |
| Efficiency ratio | 83.5123% | 690 |
| Assets per employee ($millions) | 3.0703% | 4,861 |
| Cash dividends to net income (ytd only)* | 2.7273% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,182 |
| Loan loss allowance to noncurrent loans | 76.5073% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.5308% | 727 |
| Noncurrent loans to loans | 2.0007% | 716 |
| Net loans and leases to total assets | 67.0485% | 2,957 |
| Net loans and leases to deposits | 77.1916% | 3,228 |
| Net loans and leases to core deposits | 79.3654% | 3,471 |
| Total domestic deposits to total assets | 86.8599% | 1,658 |
| Equity capital to assets | 6.7789% | 5,276 |
| Core capital (leverage) ratio | 9.4483% | 4,203 |
| Tier 1 risk-based capital ratio | 16.0328% | 2,399 |
| Total risk-based capital ratio | 17.2868% | 2,340 |
| Memoranda: | ||
| Average total assets | $70,947,670 | 4,502 |
| Average earning assets | $66,229,670 | 4,490 |
| Average equity | $4,611,670 | 5,030 |
| Average total loans | $48,260,670 | 4,292 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 458 |
| Cost of funding earning assets | 1.3091% | 643 |
| Net interest margin | 4.2592% | 1,172 |
| Noninterest income to average assets | 0.4500% | 2,854 |
| Noninterest expense to average assets | 3.6955% | 756 |
| Loan and lease loss provision to assets | 0.2981% | 432 |
| Net operating income to assets | 0.3150% | 4,876 |
| Return on assets (ROA) | 0.3150% | 4,883 |
| Pretax return on assets | 0.4275% | 4,803 |
| Return on Equity (ROE) | 4.9514% | 4,336 |
| Retained earnings to average equity (ytd only) | 4.9514% | 2,925 |
| Net charge-offs to loans | 0.2813% | 528 |
| Credit loss provision to net charge-offs | 155.8824% | 1,210 |
| Earnings coverage of net charge-offs (x) | 3.7941% | 2,378 |
| Efficiency ratio | 83.5878% | 742 |
| Assets per employee ($millions) | 3.1415% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 1,248 |
| Loan loss allowance to noncurrent loans | 83.4483% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.2885% | 1,023 |
| Noncurrent loans to loans | 1.8309% | 839 |
| Net loans and leases to total assets | 64.7581% | 3,199 |
| Net loans and leases to deposits | 74.0622% | 3,446 |
| Net loans and leases to core deposits | 76.0780% | 3,655 |
| Total domestic deposits to total assets | 87.4375% | 1,595 |
| Equity capital to assets | 6.3899% | 5,336 |
| Core capital (leverage) ratio | 9.4160% | 4,238 |
| Tier 1 risk-based capital ratio | 15.7871% | 2,533 |
| Total risk-based capital ratio | 17.0429% | 2,461 |
| Memoranda: | ||
| Average total assets | $71,113,500 | 4,548 |
| Average earning assets | $66,304,000 | 4,540 |
| Average equity | $4,524,000 | 5,084 |
| Average total loans | $48,349,500 | 4,345 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7002% | 280 |
| Cost of funding earning assets | 1.0568% | 587 |
| Net interest margin | 4.6433% | 552 |
| Noninterest income to average assets | 0.5022% | 2,825 |
| Noninterest expense to average assets | 3.8876% | 611 |
| Loan and lease loss provision to assets | 0.3770% | 382 |
| Net operating income to assets | 0.4536% | 4,760 |
| Return on assets (ROA) | 0.4536% | 4,759 |
| Pretax return on assets | 0.5272% | 4,762 |
| Return on Equity (ROE) | 7.1979% | 3,765 |
| Retained earnings to average equity (ytd only) | 7.1979% | 1,581 |
| Net charge-offs to loans | 0.4261% | 433 |
| Credit loss provision to net charge-offs | 124.2718% | 2,108 |
| Earnings coverage of net charge-offs (x) | 2.9806% | 3,468 |
| Efficiency ratio | 81.1309% | 870 |
| Assets per employee ($millions) | 3.0423% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 1,488 |
| Loan loss allowance to noncurrent loans | 90.0763% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.2205% | 1,067 |
| Noncurrent loans to loans | 1.5981% | 919 |
| Net loans and leases to total assets | 69.2763% | 2,696 |
| Net loans and leases to deposits | 79.4630% | 3,008 |
| Net loans and leases to core deposits | 81.2804% | 3,327 |
| Total domestic deposits to total assets | 87.1806% | 1,695 |
| Equity capital to assets | 6.2868% | 5,370 |
| Core capital (leverage) ratio | 9.4816% | 4,134 |
| Tier 1 risk-based capital ratio | 15.4703% | 2,637 |
| Total risk-based capital ratio | 16.7008% | 2,562 |
| Memoranda: | ||
| Average total assets | $67,907,400 | 4,619 |
| Average earning assets | $62,735,000 | 4,612 |
| Average equity | $4,279,000 | 5,143 |
| Average total loans | $48,341,600 | 4,343 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 266 |
| Cost of funding earning assets | 0.9937% | 614 |
| Net interest margin | 4.6850% | 486 |
| Noninterest income to average assets | 0.4946% | 2,905 |
| Noninterest expense to average assets | 3.9114% | 582 |
| Loan and lease loss provision to assets | 0.3779% | 344 |
| Net operating income to assets | 0.4372% | 4,883 |
| Return on assets (ROA) | 0.4372% | 4,891 |
| Pretax return on assets | 0.5243% | 4,866 |
| Return on Equity (ROE) | 6.9348% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.9348% | 2,159 |
| Net charge-offs to loans | 0.4404% | 359 |
| Credit loss provision to net charge-offs | 120.1258% | 1,986 |
| Earnings coverage of net charge-offs (x) | 2.8680% | 3,211 |
| Efficiency ratio | 81.2577% | 837 |
| Assets per employee ($millions) | 3.0299% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 1,683 |
| Loan loss allowance to noncurrent loans | 101.3216% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 1,392 |
| Noncurrent loans to loans | 1.3850% | 1,200 |
| Net loans and leases to total assets | 69.5653% | 2,712 |
| Net loans and leases to deposits | 79.8675% | 3,063 |
| Net loans and leases to core deposits | 81.6994% | 3,353 |
| Total domestic deposits to total assets | 87.1009% | 1,684 |
| Equity capital to assets | 6.1690% | 5,444 |
| Core capital (leverage) ratio | 9.4921% | 4,186 |
| Tier 1 risk-based capital ratio | 15.2720% | 2,752 |
| Total risk-based capital ratio | 16.5247% | 2,678 |
| Memoranda: | ||
| Average total assets | $67,391,250 | 4,674 |
| Average earning assets | $62,125,750 | 4,673 |
| Average equity | $4,249,000 | 5,211 |
| Average total loans | $48,131,500 | 4,397 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6187% | 267 |
| Cost of funding earning assets | 0.9141% | 692 |
| Net interest margin | 4.7046% | 429 |
| Noninterest income to average assets | 0.4893% | 2,922 |
| Noninterest expense to average assets | 3.9084% | 596 |
| Loan and lease loss provision to assets | 0.3812% | 325 |
| Net operating income to assets | 0.3902% | 4,975 |
| Return on assets (ROA) | 0.3902% | 4,980 |
| Pretax return on assets | 0.5253% | 4,862 |
| Return on Equity (ROE) | 6.1432% | 4,179 |
| Retained earnings to average equity (ytd only) | 6.1432% | 2,481 |
| Net charge-offs to loans | 0.3223% | 497 |
| Credit loss provision to net charge-offs | 164.9351% | 1,485 |
| Earnings coverage of net charge-offs (x) | 3.9221% | 2,839 |
| Efficiency ratio | 81.1721% | 903 |
| Assets per employee ($millions) | 3.0592% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,458 |
| Loan loss allowance to noncurrent loans | 106.7873% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0416% | 1,439 |
| Noncurrent loans to loans | 1.3862% | 1,222 |
| Net loans and leases to total assets | 70.0113% | 2,580 |
| Net loans and leases to deposits | 80.6542% | 2,880 |
| Net loans and leases to core deposits | 81.5970% | 3,279 |
| Total domestic deposits to total assets | 86.8043% | 1,932 |
| Equity capital to assets | 6.3059% | 5,497 |
| Core capital (leverage) ratio | 9.5887% | 4,010 |
| Tier 1 risk-based capital ratio | 15.7348% | 2,542 |
| Total risk-based capital ratio | 16.9862% | 2,481 |
| Memoranda: | ||
| Average total assets | $66,626,000 | 4,747 |
| Average earning assets | $61,259,330 | 4,744 |
| Average equity | $4,232,330 | 5,271 |
| Average total loans | $47,786,000 | 4,445 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5262% | 266 |
| Cost of funding earning assets | 0.7652% | 1,123 |
| Net interest margin | 4.7610% | 371 |
| Noninterest income to average assets | 0.4827% | 2,915 |
| Noninterest expense to average assets | 3.8559% | 623 |
| Loan and lease loss provision to assets | 0.3802% | 307 |
| Net operating income to assets | 0.5008% | 4,690 |
| Return on assets (ROA) | 0.5008% | 4,697 |
| Pretax return on assets | 0.6396% | 4,594 |
| Return on Equity (ROE) | 7.8552% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.8552% | 1,896 |
| Net charge-offs to loans | 0.1424% | 962 |
| Credit loss provision to net charge-offs | 370.5882% | 717 |
| Earnings coverage of net charge-offs (x) | 9.9412% | 1,931 |
| Efficiency ratio | 79.0842% | 1,249 |
| Assets per employee ($millions) | 3.0210% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 1,542 |
| Loan loss allowance to noncurrent loans | 73.8720% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.5497% | 882 |
| Noncurrent loans to loans | 2.0009% | 797 |
| Net loans and leases to total assets | 70.6032% | 2,382 |
| Net loans and leases to deposits | 81.2498% | 2,663 |
| Net loans and leases to core deposits | 82.2106% | 3,124 |
| Total domestic deposits to total assets | 86.8965% | 2,171 |
| Equity capital to assets | 6.3569% | 5,551 |
| Core capital (leverage) ratio | 9.9192% | 3,616 |
| Tier 1 risk-based capital ratio | 16.0366% | 2,452 |
| Total risk-based capital ratio | 17.2912% | 2,393 |
| Memoranda: | ||
| Average total assets | $66,288,000 | 4,805 |
| Average earning assets | $61,163,500 | 4,801 |
| Average equity | $4,226,500 | 5,326 |
| Average total loans | $47,765,500 | 4,490 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4820% | 271 |
| Cost of funding earning assets | 0.6909% | 1,073 |
| Net interest margin | 4.7910% | 358 |
| Noninterest income to average assets | 0.5378% | 2,783 |
| Noninterest expense to average assets | 3.8913% | 621 |
| Loan and lease loss provision to assets | 0.4083% | 359 |
| Net operating income to assets | -0.0497% | 5,395 |
| Return on assets (ROA) | -0.0497% | 5,398 |
| Pretax return on assets | 0.6674% | 4,589 |
| Return on Equity (ROE) | -0.6637% | 5,410 |
| Retained earnings to average equity (ytd only) | -6.6975% | 5,482 |
| Net charge-offs to loans | 0.5543% | 418 |
| Credit loss provision to net charge-offs | 105.0388% | 2,449 |
| Earnings coverage of net charge-offs (x) | 2.7674% | 3,706 |
| Efficiency ratio | 78.3439% | 1,303 |
| Assets per employee ($millions) | 2.7547% | 5,358 |
| Cash dividends to net income (ytd only)* | -909.0909% | 5,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 1,864 |
| Loan loss allowance to noncurrent loans | 58.6976% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.8741% | 632 |
| Noncurrent loans to loans | 2.3402% | 601 |
| Net loans and leases to total assets | 71.4595% | 2,304 |
| Net loans and leases to deposits | 82.4877% | 2,672 |
| Net loans and leases to core deposits | 83.9162% | 3,061 |
| Total domestic deposits to total assets | 86.6305% | 2,179 |
| Equity capital to assets | 6.3951% | 5,621 |
| Core capital (leverage) ratio | 9.6377% | 3,880 |
| Tier 1 risk-based capital ratio | 15.1194% | 2,787 |
| Total risk-based capital ratio | 16.3438% | 2,747 |
| Memoranda: | ||
| Average total assets | $66,379,200 | 4,837 |
| Average earning assets | $61,365,000 | 4,831 |
| Average equity | $4,972,000 | 5,274 |
| Average total loans | $46,543,200 | 4,553 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 273 |
| Cost of funding earning assets | 0.6807% | 1,069 |
| Net interest margin | 4.7714% | 360 |
| Noninterest income to average assets | 0.5237% | 2,879 |
| Noninterest expense to average assets | 3.9289% | 569 |
| Loan and lease loss provision to assets | 0.4134% | 322 |
| Net operating income to assets | 0.4435% | 4,895 |
| Return on assets (ROA) | 0.4435% | 4,925 |
| Pretax return on assets | 0.5839% | 4,875 |
| Return on Equity (ROE) | 5.7127% | 4,242 |
| Retained earnings to average equity (ytd only) | 3.1278% | 4,048 |
| Net charge-offs to loans | 0.4819% | 427 |
| Credit loss provision to net charge-offs | 123.3533% | 1,970 |
| Earnings coverage of net charge-offs (x) | 2.9761% | 3,399 |
| Efficiency ratio | 79.7556% | 1,135 |
| Assets per employee ($millions) | 2.7403% | 5,415 |
| Cash dividends to net income (ytd only)* | 45.2488% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 1,673 |
| Loan loss allowance to noncurrent loans | 55.8824% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 2.0786% | 606 |
| Noncurrent loans to loans | 2.6143% | 556 |
| Net loans and leases to total assets | 70.1507% | 2,534 |
| Net loans and leases to deposits | 83.0337% | 2,654 |
| Net loans and leases to core deposits | 84.9056% | 3,051 |
| Total domestic deposits to total assets | 84.4846% | 2,924 |
| Equity capital to assets | 7.9143% | 5,540 |
| Core capital (leverage) ratio | 10.2811% | 3,223 |
| Tier 1 risk-based capital ratio | 16.0230% | 2,494 |
| Total risk-based capital ratio | 17.2802% | 2,430 |
| Memoranda: | ||
| Average total assets | $66,445,750 | 4,893 |
| Average earning assets | $61,308,500 | 4,881 |
| Average equity | $5,158,000 | 5,303 |
| Average total loans | $46,203,500 | 4,603 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 295 |
| Cost of funding earning assets | 0.6807% | 989 |
| Net interest margin | 4.6840% | 404 |
| Noninterest income to average assets | 0.5190% | 2,905 |
| Noninterest expense to average assets | 3.8307% | 648 |
| Loan and lease loss provision to assets | 0.4140% | 314 |
| Net operating income to assets | 0.4680% | 4,801 |
| Return on assets (ROA) | 0.4680% | 4,826 |
| Pretax return on assets | 0.6090% | 4,782 |
| Return on Equity (ROE) | 6.0673% | 4,019 |
| Retained earnings to average equity (ytd only) | 2.1780% | 4,375 |
| Net charge-offs to loans | 0.1826% | 1,090 |
| Credit loss provision to net charge-offs | 328.5714% | 902 |
| Earnings coverage of net charge-offs (x) | 8.1190% | 2,535 |
| Efficiency ratio | 78.9246% | 1,341 |
| Assets per employee ($millions) | 2.7394% | 5,455 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 1,252 |
| Loan loss allowance to noncurrent loans | 74.1000% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.7157% | 826 |
| Noncurrent loans to loans | 2.1663% | 753 |
| Net loans and leases to total assets | 69.0851% | 2,654 |
| Net loans and leases to deposits | 80.7065% | 2,838 |
| Net loans and leases to core deposits | 82.5023% | 3,210 |
| Total domestic deposits to total assets | 85.6004% | 2,570 |
| Equity capital to assets | 7.8485% | 5,589 |
| Core capital (leverage) ratio | 10.3381% | 3,092 |
| Tier 1 risk-based capital ratio | 15.8778% | 2,553 |
| Total risk-based capital ratio | 17.1332% | 2,490 |
| Memoranda: | ||
| Average total assets | $66,672,000 | 4,921 |
| Average earning assets | $61,699,670 | 4,905 |
| Average equity | $5,142,330 | 5,338 |
| Average total loans | $45,998,000 | 4,638 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 311 |
| Cost of funding earning assets | 0.6702% | 977 |
| Net interest margin | 4.6401% | 416 |
| Noninterest income to average assets | 0.5124% | 2,896 |
| Noninterest expense to average assets | 3.7357% | 740 |
| Loan and lease loss provision to assets | 0.4349% | 249 |
| Net operating income to assets | 0.4886% | 4,643 |
| Return on assets (ROA) | 0.4886% | 4,667 |
| Pretax return on assets | 0.6316% | 4,653 |
| Return on Equity (ROE) | 6.3894% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.3894% | 2,140 |
| Net charge-offs to loans | 0.3223% | 578 |
| Credit loss provision to net charge-offs | 197.2973% | 1,022 |
| Earnings coverage of net charge-offs (x) | 4.8378% | 2,343 |
| Efficiency ratio | 77.7916% | 1,659 |
| Assets per employee ($millions) | 2.6965% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 1,736 |
| Loan loss allowance to noncurrent loans | 78.3659% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.5442% | 1,021 |
| Noncurrent loans to loans | 1.8980% | 953 |
| Net loans and leases to total assets | 66.9055% | 2,831 |
| Net loans and leases to deposits | 77.8416% | 2,992 |
| Net loans and leases to core deposits | 79.1739% | 3,368 |
| Total domestic deposits to total assets | 85.9508% | 2,692 |
| Equity capital to assets | 7.6840% | 5,633 |
| Core capital (leverage) ratio | 10.4008% | 3,008 |
| Tier 1 risk-based capital ratio | 16.3789% | 2,404 |
| Total risk-based capital ratio | 17.6303% | 2,347 |
| Memoranda: | ||
| Average total assets | $67,135,500 | 4,967 |
| Average earning assets | $62,067,000 | 4,949 |
| Average equity | $5,133,500 | 5,394 |
| Average total loans | $45,916,500 | 4,678 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6827% | 197 |
| Cost of funding earning assets | 0.6714% | 945 |
| Net interest margin | 5.0113% | 242 |
| Noninterest income to average assets | 0.5494% | 2,920 |
| Noninterest expense to average assets | 4.0015% | 597 |
| Loan and lease loss provision to assets | 0.4600% | 307 |
| Net operating income to assets | 0.5166% | 4,564 |
| Return on assets (ROA) | 0.5228% | 4,624 |
| Pretax return on assets | 0.6656% | 4,606 |
| Return on Equity (ROE) | 6.2528% | 3,867 |
| Retained earnings to average equity (ytd only) | -0.3192% | 5,352 |
| Net charge-offs to loans | 0.5344% | 449 |
| Credit loss provision to net charge-offs | 123.1092% | 2,168 |
| Earnings coverage of net charge-offs (x) | 2.9916% | 3,738 |
| Efficiency ratio | 78.1662% | 1,672 |
| Assets per employee ($millions) | 2.6743% | 5,576 |
| Cash dividends to net income (ytd only)* | 105.1051% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,075 |
| Loan loss allowance to noncurrent loans | 63.7982% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.6288% | 967 |
| Noncurrent loans to loans | 2.1955% | 778 |
| Net loans and leases to total assets | 67.9111% | 2,784 |
| Net loans and leases to deposits | 79.0336% | 2,990 |
| Net loans and leases to core deposits | 79.9732% | 3,400 |
| Total domestic deposits to total assets | 85.9269% | 2,617 |
| Equity capital to assets | 7.6087% | 5,691 |
| Core capital (leverage) ratio | 10.5380% | 2,842 |
| Tier 1 risk-based capital ratio | 15.9645% | 2,563 |
| Total risk-based capital ratio | 17.2204% | 2,494 |
| Memoranda: | ||
| Average total assets | $63,701,400 | 5,058 |
| Average earning assets | $58,088,600 | 5,069 |
| Average equity | $5,325,600 | 5,408 |
| Average total loans | $44,535,000 | 4,732 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7626% | 177 |
| Cost of funding earning assets | 0.6740% | 927 |
| Net interest margin | 5.0887% | 214 |
| Noninterest income to average assets | 0.5722% | 2,800 |
| Noninterest expense to average assets | 4.1835% | 490 |
| Loan and lease loss provision to assets | 0.4641% | 283 |
| Net operating income to assets | 0.5319% | 4,569 |
| Return on assets (ROA) | 0.5319% | 4,671 |
| Pretax return on assets | 0.5489% | 5,008 |
| Return on Equity (ROE) | 6.2144% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.5005% | 4,422 |
| Net charge-offs to loans | 0.3774% | 582 |
| Credit loss provision to net charge-offs | 175.2000% | 1,591 |
| Earnings coverage of net charge-offs (x) | 3.8241% | 3,354 |
| Efficiency ratio | 80.5057% | 1,375 |
| Assets per employee ($millions) | 2.5028% | 5,719 |
| Cash dividends to net income (ytd only)* | 59.7621% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 1,731 |
| Loan loss allowance to noncurrent loans | 87.3563% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.5045% | 1,190 |
| Noncurrent loans to loans | 1.7269% | 1,209 |
| Net loans and leases to total assets | 68.6260% | 2,704 |
| Net loans and leases to deposits | 80.6840% | 2,886 |
| Net loans and leases to core deposits | 81.4567% | 3,327 |
| Total domestic deposits to total assets | 85.0552% | 2,779 |
| Equity capital to assets | 8.3552% | 5,605 |
| Core capital (leverage) ratio | 10.8693% | 2,604 |
| Tier 1 risk-based capital ratio | 16.8876% | 2,264 |
| Total risk-based capital ratio | 18.1422% | 2,218 |
| Memoranda: | ||
| Average total assets | $62,912,250 | 5,122 |
| Average earning assets | $57,171,500 | 5,144 |
| Average equity | $5,385,250 | 5,448 |
| Average total loans | $44,156,500 | 4,780 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7773% | 171 |
| Cost of funding earning assets | 0.6604% | 993 |
| Net interest margin | 5.1170% | 203 |
| Noninterest income to average assets | 0.5563% | 2,872 |
| Noninterest expense to average assets | 4.2192% | 482 |
| Loan and lease loss provision to assets | 0.4695% | 294 |
| Net operating income to assets | 0.5274% | 4,571 |
| Return on assets (ROA) | 0.5403% | 4,628 |
| Pretax return on assets | 0.5403% | 5,049 |
| Return on Equity (ROE) | 6.2593% | 3,930 |
| Retained earnings to average equity (ytd only) | 0.6706% | 5,105 |
| Net charge-offs to loans | 0.3793% | 607 |
| Credit loss provision to net charge-offs | 175.9036% | 1,424 |
| Earnings coverage of net charge-offs (x) | 3.7349% | 3,064 |
| Efficiency ratio | 80.8878% | 1,392 |
| Assets per employee ($millions) | 2.4786% | 5,797 |
| Cash dividends to net income (ytd only)* | 89.2857% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 2,055 |
| Loan loss allowance to noncurrent loans | 70.8243% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.6187% | 1,134 |
| Noncurrent loans to loans | 2.0528% | 957 |
| Net loans and leases to total assets | 71.4302% | 2,255 |
| Net loans and leases to deposits | 85.2550% | 2,328 |
| Net loans and leases to core deposits | 86.5555% | 2,849 |
| Total domestic deposits to total assets | 83.7841% | 3,354 |
| Equity capital to assets | 8.6808% | 5,497 |
| Core capital (leverage) ratio | 10.9672% | 2,469 |
| Tier 1 risk-based capital ratio | 17.0788% | 2,189 |
| Total risk-based capital ratio | 18.3302% | 2,147 |
| Memoranda: | ||
| Average total assets | $62,192,000 | 5,198 |
| Average earning assets | $56,635,000 | 5,208 |
| Average equity | $5,368,000 | 5,508 |
| Average total loans | $43,761,670 | 4,838 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7468% | 174 |
| Cost of funding earning assets | 0.6582% | 1,005 |
| Net interest margin | 5.0886% | 208 |
| Noninterest income to average assets | 0.4815% | 3,245 |
| Noninterest expense to average assets | 4.2500% | 479 |
| Loan and lease loss provision to assets | 0.4687% | 271 |
| Net operating income to assets | 0.3788% | 5,056 |
| Return on assets (ROA) | 0.3788% | 5,128 |
| Pretax return on assets | 0.3788% | 5,351 |
| Return on Equity (ROE) | 4.4009% | 4,740 |
| Retained earnings to average equity (ytd only) | 0.6713% | 4,947 |
| Net charge-offs to loans | 0.3798% | 585 |
| Credit loss provision to net charge-offs | 178.0488% | 1,163 |
| Earnings coverage of net charge-offs (x) | 3.2195% | 2,572 |
| Efficiency ratio | 83.3753% | 1,215 |
| Assets per employee ($millions) | 2.5169% | 5,838 |
| Cash dividends to net income (ytd only)* | 84.7458% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 2,348 |
| Loan loss allowance to noncurrent loans | 97.3396% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.3429% | 1,583 |
| Noncurrent loans to loans | 1.4554% | 1,625 |
| Net loans and leases to total assets | 68.7888% | 2,529 |
| Net loans and leases to deposits | 81.8765% | 2,560 |
| Net loans and leases to core deposits | 83.5018% | 2,979 |
| Total domestic deposits to total assets | 84.0154% | 3,512 |
| Equity capital to assets | 8.5311% | 5,548 |
| Core capital (leverage) ratio | 10.9296% | 2,466 |
| Tier 1 risk-based capital ratio | 17.0670% | 2,266 |
| Total risk-based capital ratio | 18.3197% | 2,223 |
| Memoranda: | ||
| Average total assets | $62,306,000 | 5,239 |
| Average earning assets | $56,518,000 | 5,251 |
| Average equity | $5,362,500 | 5,539 |
| Average total loans | $43,185,500 | 4,892 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6381% | 219 |
| Cost of funding earning assets | 0.6528% | 1,064 |
| Net interest margin | 4.9853% | 260 |
| Noninterest income to average assets | 0.6669% | 2,365 |
| Noninterest expense to average assets | 4.2968% | 489 |
| Loan and lease loss provision to assets | 0.6457% | 157 |
| Net operating income to assets | 0.2727% | 5,434 |
| Return on assets (ROA) | 0.2837% | 5,482 |
| Pretax return on assets | 0.2935% | 5,532 |
| Return on Equity (ROE) | 3.1818% | 5,244 |
| Retained earnings to average equity (ytd only) | 1.3532% | 4,955 |
| Net charge-offs to loans | 0.8978% | 232 |
| Credit loss provision to net charge-offs | 108.4932% | 2,326 |
| Earnings coverage of net charge-offs (x) | 1.5589% | 4,064 |
| Efficiency ratio | 82.2409% | 1,369 |
| Assets per employee ($millions) | 2.2848% | 5,976 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 2,479 |
| Loan loss allowance to noncurrent loans | 56.8401% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.1511% | 794 |
| Noncurrent loans to loans | 2.4444% | 765 |
| Net loans and leases to total assets | 67.8808% | 2,717 |
| Net loans and leases to deposits | 79.3944% | 2,896 |
| Net loans and leases to core deposits | 80.9742% | 3,245 |
| Total domestic deposits to total assets | 85.4982% | 2,864 |
| Equity capital to assets | 8.6839% | 5,398 |
| Core capital (leverage) ratio | 11.2727% | 2,140 |
| Tier 1 risk-based capital ratio | 17.1538% | 2,233 |
| Total risk-based capital ratio | 18.4066% | 2,184 |
| Memoranda: | ||
| Average total assets | $61,324,600 | 5,287 |
| Average earning assets | $56,065,200 | 5,291 |
| Average equity | $5,468,600 | 5,544 |
| Average total loans | $40,656,400 | 4,983 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6064% | 226 |
| Cost of funding earning assets | 0.6767% | 945 |
| Net interest margin | 4.9297% | 297 |
| Noninterest income to average assets | 0.7164% | 2,163 |
| Noninterest expense to average assets | 4.3896% | 443 |
| Loan and lease loss provision to assets | 0.7142% | 115 |
| Net operating income to assets | 0.1176% | 5,823 |
| Return on assets (ROA) | 0.1328% | 5,847 |
| Pretax return on assets | 0.1328% | 5,864 |
| Return on Equity (ROE) | 1.4797% | 5,782 |
| Retained earnings to average equity (ytd only) | 0.8733% | 5,355 |
| Net charge-offs to loans | 1.0513% | 177 |
| Credit loss provision to net charge-offs | 103.4700% | 2,200 |
| Earnings coverage of net charge-offs (x) | 1.2050% | 3,867 |
| Efficiency ratio | 84.0701% | 1,164 |
| Assets per employee ($millions) | 2.3050% | 6,054 |
| Cash dividends to net income (ytd only)* | 40.9812% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 2,584 |
| Loan loss allowance to noncurrent loans | 66.5111% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.8722% | 1,117 |
| Noncurrent loans to loans | 2.1078% | 1,072 |
| Net loans and leases to total assets | 66.8919% | 2,865 |
| Net loans and leases to deposits | 80.1347% | 2,866 |
| Net loans and leases to core deposits | 81.8160% | 3,271 |
| Total domestic deposits to total assets | 83.4743% | 3,617 |
| Equity capital to assets | 9.1605% | 5,157 |
| Core capital (leverage) ratio | 11.2404% | 2,255 |
| Tier 1 risk-based capital ratio | 17.7323% | 2,108 |
| Total risk-based capital ratio | 18.9822% | 2,073 |
| Memoranda: | ||
| Average total assets | $61,233,500 | 5,354 |
| Average earning assets | $55,958,750 | 5,362 |
| Average equity | $5,496,500 | 5,612 |
| Average total loans | $40,204,250 | 5,055 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 262 |
| Cost of funding earning assets | 0.6780% | 947 |
| Net interest margin | 4.8310% | 339 |
| Noninterest income to average assets | 0.7394% | 2,045 |
| Noninterest expense to average assets | 4.2875% | 500 |
| Loan and lease loss provision to assets | 0.7005% | 124 |
| Net operating income to assets | 0.1622% | 5,786 |
| Return on assets (ROA) | 0.1622% | 5,833 |
| Pretax return on assets | 0.1654% | 5,863 |
| Return on Equity (ROE) | 1.8186% | 5,720 |
| Retained earnings to average equity (ytd only) | 0.9093% | 5,204 |
| Net charge-offs to loans | 1.1085% | 174 |
| Credit loss provision to net charge-offs | 97.2973% | 2,108 |
| Earnings coverage of net charge-offs (x) | 1.2027% | 3,559 |
| Efficiency ratio | 83.1970% | 1,344 |
| Assets per employee ($millions) | 2.3575% | 6,100 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 2,848 |
| Loan loss allowance to noncurrent loans | 70.8974% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.7799% | 1,305 |
| Noncurrent loans to loans | 1.9469% | 1,273 |
| Net loans and leases to total assets | 64.4593% | 3,200 |
| Net loans and leases to deposits | 75.4660% | 3,322 |
| Net loans and leases to core deposits | 76.6192% | 3,707 |
| Total domestic deposits to total assets | 85.4150% | 2,961 |
| Equity capital to assets | 8.9272% | 5,306 |
| Core capital (leverage) ratio | 10.9896% | 2,430 |
| Tier 1 risk-based capital ratio | 17.4755% | 2,230 |
| Total risk-based capital ratio | 18.7250% | 2,186 |
| Memoranda: | ||
| Average total assets | $61,667,670 | 5,403 |
| Average earning assets | $56,344,670 | 5,406 |
| Average equity | $5,498,670 | 5,666 |
| Average total loans | $40,052,670 | 5,101 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5095% | 253 |
| Cost of funding earning assets | 0.6648% | 1,023 |
| Net interest margin | 4.8447% | 321 |
| Noninterest income to average assets | 0.6079% | 2,604 |
| Noninterest expense to average assets | 4.2164% | 546 |
| Loan and lease loss provision to assets | 0.6984% | 130 |
| Net operating income to assets | 0.1229% | 5,839 |
| Return on assets (ROA) | 0.1229% | 5,900 |
| Pretax return on assets | 0.1229% | 5,927 |
| Return on Equity (ROE) | 1.3788% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.3788% | 4,936 |
| Net charge-offs to loans | 1.0687% | 221 |
| Credit loss provision to net charge-offs | 100.9346% | 1,596 |
| Earnings coverage of net charge-offs (x) | 1.1869% | 2,955 |
| Efficiency ratio | 83.6970% | 1,415 |
| Assets per employee ($millions) | 2.3695% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 2,882 |
| Loan loss allowance to noncurrent loans | 71.7949% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.8732% | 1,298 |
| Noncurrent loans to loans | 1.9599% | 1,350 |
| Net loans and leases to total assets | 63.6902% | 3,135 |
| Net loans and leases to deposits | 74.5426% | 3,230 |
| Net loans and leases to core deposits | 76.0274% | 3,595 |
| Total domestic deposits to total assets | 85.4414% | 3,203 |
| Equity capital to assets | 8.9780% | 5,320 |
| Core capital (leverage) ratio | 10.7718% | 2,660 |
| Tier 1 risk-based capital ratio | 16.4672% | 2,694 |
| Total risk-based capital ratio | 17.7188% | 2,637 |
| Memoranda: | ||
| Average total assets | $61,853,500 | 5,456 |
| Average earning assets | $56,557,000 | 5,456 |
| Average equity | $5,512,000 | 5,715 |
| Average total loans | $40,047,000 | 5,139 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4120% | 371 |
| Cost of funding earning assets | 0.6408% | 1,462 |
| Net interest margin | 4.7713% | 452 |
| Noninterest income to average assets | 0.7076% | 2,265 |
| Noninterest expense to average assets | 4.1369% | 650 |
| Loan and lease loss provision to assets | 0.7109% | 175 |
| Net operating income to assets | 0.2223% | 5,723 |
| Return on assets (ROA) | 0.2223% | 5,786 |
| Pretax return on assets | 0.2223% | 5,835 |
| Return on Equity (ROE) | 2.3393% | 5,678 |
| Retained earnings to average equity (ytd only) | 0.7172% | 5,443 |
| Net charge-offs to loans | 1.2188% | 217 |
| Credit loss provision to net charge-offs | 90.3093% | 2,642 |
| Earnings coverage of net charge-offs (x) | 1.1856% | 4,481 |
| Efficiency ratio | 81.5941% | 1,710 |
| Assets per employee ($millions) | 2.3885% | 6,228 |
| Cash dividends to net income (ytd only)* | 69.3431% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 3,009 |
| Loan loss allowance to noncurrent loans | 42.2525% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 2.4122% | 966 |
| Noncurrent loans to loans | 3.2831% | 652 |
| Net loans and leases to total assets | 63.9893% | 3,227 |
| Net loans and leases to deposits | 74.6941% | 3,353 |
| Net loans and leases to core deposits | 76.1658% | 3,694 |
| Total domestic deposits to total assets | 85.6685% | 3,001 |
| Equity capital to assets | 8.8453% | 5,433 |
| Core capital (leverage) ratio | 10.9289% | 2,472 |
| Tier 1 risk-based capital ratio | 17.5907% | 2,281 |
| Total risk-based capital ratio | 17.5907% | 2,734 |
| Memoranda: | ||
| Average total assets | $61,616,000 | 5,509 |
| Average earning assets | $56,337,400 | 5,509 |
| Average equity | $5,856,400 | 5,652 |
| Average total loans | $39,791,800 | 5,193 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4206% | 361 |
| Cost of funding earning assets | 0.6880% | 1,215 |
| Net interest margin | 4.7326% | 473 |
| Noninterest income to average assets | 0.6938% | 2,355 |
| Noninterest expense to average assets | 4.2669% | 577 |
| Loan and lease loss provision to assets | 0.5897% | 228 |
| Net operating income to assets | 0.1626% | 5,923 |
| Return on assets (ROA) | 0.1626% | 5,959 |
| Pretax return on assets | 0.1626% | 5,998 |
| Return on Equity (ROE) | 1.6814% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.6814% | 5,206 |
| Net charge-offs to loans | 1.0756% | 272 |
| Credit loss provision to net charge-offs | 85.0000% | 2,506 |
| Earnings coverage of net charge-offs (x) | 1.0844% | 4,239 |
| Efficiency ratio | 85.0108% | 1,283 |
| Assets per employee ($millions) | 2.2064% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 3,186 |
| Loan loss allowance to noncurrent loans | 36.1165% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 2.6874% | 943 |
| Noncurrent loans to loans | 3.8724% | 567 |
| Net loans and leases to total assets | 66.0355% | 2,864 |
| Net loans and leases to deposits | 77.8563% | 2,966 |
| Net loans and leases to core deposits | 79.4715% | 3,375 |
| Total domestic deposits to total assets | 84.8172% | 3,412 |
| Equity capital to assets | 10.0144% | 4,148 |
| Core capital (leverage) ratio | 11.3162% | 2,202 |
| Tier 1 risk-based capital ratio | 16.7309% | 2,711 |
| Total risk-based capital ratio | 16.7309% | 3,273 |
| Memoranda: | ||
| Average total assets | $61,494,750 | 5,579 |
| Average earning assets | $56,204,000 | 5,573 |
| Average equity | $5,947,250 | 5,690 |
| Average total loans | $39,665,500 | 5,257 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3225% | 421 |
| Cost of funding earning assets | 0.7210% | 1,080 |
| Net interest margin | 4.6015% | 581 |
| Noninterest income to average assets | 0.6566% | 2,505 |
| Noninterest expense to average assets | 4.0138% | 750 |
| Loan and lease loss provision to assets | 0.6985% | 191 |
| Net operating income to assets | 0.1352% | 5,984 |
| Return on assets (ROA) | 0.1352% | 6,021 |
| Pretax return on assets | 0.1352% | 6,047 |
| Return on Equity (ROE) | 1.4139% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.4139% | 5,176 |
| Net charge-offs to loans | 1.2782% | 238 |
| Credit loss provision to net charge-offs | 85.7708% | 2,248 |
| Earnings coverage of net charge-offs (x) | 1.0237% | 3,902 |
| Efficiency ratio | 82.8021% | 1,653 |
| Assets per employee ($millions) | 2.3313% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 3,101 |
| Loan loss allowance to noncurrent loans | 30.7443% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 3.5190% | 655 |
| Noncurrent loans to loans | 4.7251% | 449 |
| Net loans and leases to total assets | 63.7932% | 3,101 |
| Net loans and leases to deposits | 75.1093% | 3,178 |
| Net loans and leases to core deposits | 76.2618% | 3,604 |
| Total domestic deposits to total assets | 84.9339% | 3,542 |
| Equity capital to assets | 9.8213% | 4,322 |
| Core capital (leverage) ratio | 11.0454% | 2,377 |
| Tier 1 risk-based capital ratio | 16.3134% | 2,927 |
| Total risk-based capital ratio | 16.3134% | 3,547 |
| Memoranda: | ||
| Average total assets | $62,135,000 | 5,609 |
| Average earning assets | $56,589,670 | 5,596 |
| Average equity | $5,941,000 | 5,726 |
| Average total loans | $39,588,000 | 5,297 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4578% | 311 |
| Cost of funding earning assets | 0.8397% | 613 |
| Net interest margin | 4.6181% | 544 |
| Noninterest income to average assets | 0.6233% | 2,605 |
| Noninterest expense to average assets | 3.8158% | 956 |
| Loan and lease loss provision to assets | 0.6868% | 176 |
| Net operating income to assets | 0.3180% | 5,431 |
| Return on assets (ROA) | 0.3180% | 5,479 |
| Pretax return on assets | 0.3180% | 5,673 |
| Return on Equity (ROE) | 3.3698% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.3698% | 4,104 |
| Net charge-offs to loans | 1.3983% | 229 |
| Credit loss provision to net charge-offs | 77.6978% | 1,925 |
| Earnings coverage of net charge-offs (x) | 1.1367% | 3,168 |
| Efficiency ratio | 79.1557% | 2,315 |
| Assets per employee ($millions) | 2.2373% | 6,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 3,389 |
| Loan loss allowance to noncurrent loans | 27.0207% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 3.4608% | 757 |
| Noncurrent loans to loans | 5.3483% | 385 |
| Net loans and leases to total assets | 62.5966% | 3,142 |
| Net loans and leases to deposits | 73.2679% | 3,159 |
| Net loans and leases to core deposits | 74.3473% | 3,612 |
| Total domestic deposits to total assets | 85.4352% | 3,655 |
| Equity capital to assets | 9.5173% | 4,480 |
| Core capital (leverage) ratio | 10.9583% | 2,426 |
| Tier 1 risk-based capital ratio | 16.1699% | 3,072 |
| Total risk-based capital ratio | 17.4207% | 3,036 |
| Memoranda: | ||
| Average total assets | $62,896,000 | 5,645 |
| Average earning assets | $57,166,000 | 5,637 |
| Average equity | $5,935,000 | 5,762 |
| Average total loans | $39,763,500 | 5,336 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4483% | 396 |
| Cost of funding earning assets | 0.7021% | 1,799 |
| Net interest margin | 4.7462% | 478 |
| Noninterest income to average assets | 0.6262% | 2,940 |
| Noninterest expense to average assets | 4.0111% | 863 |
| Loan and lease loss provision to assets | 0.7586% | 287 |
| Net operating income to assets | 0.2414% | 5,712 |
| Return on assets (ROA) | 0.2414% | 5,779 |
| Pretax return on assets | 0.2056% | 5,926 |
| Return on Equity (ROE) | 2.8445% | 5,562 |
| Retained earnings to average equity (ytd only) | 1.1011% | 5,341 |
| Net charge-offs to loans | 1.3052% | 387 |
| Credit loss provision to net charge-offs | 91.1985% | 2,720 |
| Earnings coverage of net charge-offs (x) | 1.1592% | 4,684 |
| Efficiency ratio | 80.6199% | 2,068 |
| Assets per employee ($millions) | 2.2553% | 6,542 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,071 |
| Loan loss allowance to noncurrent loans | 25.1348% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 3.9669% | 677 |
| Noncurrent loans to loans | 6.0671% | 336 |
| Net loans and leases to total assets | 61.9703% | 3,366 |
| Net loans and leases to deposits | 72.1066% | 3,507 |
| Net loans and leases to core deposits | 73.7732% | 3,864 |
| Total domestic deposits to total assets | 85.9425% | 3,287 |
| Equity capital to assets | 9.3558% | 4,613 |
| Core capital (leverage) ratio | 10.7513% | 2,625 |
| Tier 1 risk-based capital ratio | 16.9588% | 2,627 |
| Total risk-based capital ratio | 18.1154% | 2,635 |
| Memoranda: | ||
| Average total assets | $64,196,400 | 5,646 |
| Average earning assets | $58,826,000 | 5,630 |
| Average equity | $5,449,200 | 5,946 |
| Average total loans | $40,913,200 | 5,305 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 409 |
| Cost of funding earning assets | 0.6687% | 2,188 |
| Net interest margin | 4.7685% | 456 |
| Noninterest income to average assets | 0.6102% | 3,075 |
| Noninterest expense to average assets | 4.0955% | 769 |
| Loan and lease loss provision to assets | 0.7798% | 255 |
| Net operating income to assets | 0.1158% | 6,107 |
| Return on assets (ROA) | 0.1158% | 6,175 |
| Pretax return on assets | 0.1158% | 6,195 |
| Return on Equity (ROE) | 1.3996% | 6,097 |
| Retained earnings to average equity (ytd only) | 1.3996% | 5,422 |
| Net charge-offs to loans | 1.1228% | 501 |
| Credit loss provision to net charge-offs | 108.6455% | 2,162 |
| Earnings coverage of net charge-offs (x) | 1.2478% | 4,425 |
| Efficiency ratio | 82.0555% | 1,815 |
| Assets per employee ($millions) | 2.4053% | 6,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 2,698 |
| Loan loss allowance to noncurrent loans | 27.5403% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 4.0375% | 765 |
| Noncurrent loans to loans | 6.1003% | 413 |
| Net loans and leases to total assets | 63.9147% | 3,014 |
| Net loans and leases to deposits | 75.3076% | 3,048 |
| Net loans and leases to core deposits | 77.3927% | 3,440 |
| Total domestic deposits to total assets | 84.8716% | 3,804 |
| Equity capital to assets | 8.4173% | 5,821 |
| Core capital (leverage) ratio | 10.6904% | 2,802 |
| Tier 1 risk-based capital ratio | 16.3207% | 3,022 |
| Total risk-based capital ratio | 17.5638% | 2,991 |
| Memoranda: | ||
| Average total assets | $64,458,500 | 5,698 |
| Average earning assets | $59,220,500 | 5,677 |
| Average equity | $5,334,500 | 6,054 |
| Average total loans | $41,206,750 | 5,348 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4046% | 444 |
| Cost of funding earning assets | 0.6455% | 2,536 |
| Net interest margin | 4.7591% | 460 |
| Noninterest income to average assets | 0.6267% | 3,038 |
| Noninterest expense to average assets | 4.0892% | 782 |
| Loan and lease loss provision to assets | 0.8203% | 257 |
| Net operating income to assets | 0.0891% | 6,151 |
| Return on assets (ROA) | 0.0891% | 6,235 |
| Pretax return on assets | 0.0891% | 6,242 |
| Return on Equity (ROE) | 1.0825% | 6,189 |
| Retained earnings to average equity (ytd only) | 1.0825% | 5,463 |
| Net charge-offs to loans | 0.8408% | 742 |
| Credit loss provision to net charge-offs | 153.4483% | 1,504 |
| Earnings coverage of net charge-offs (x) | 1.7011% | 3,968 |
| Efficiency ratio | 81.8070% | 1,910 |
| Assets per employee ($millions) | 2.3479% | 6,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 2,378 |
| Loan loss allowance to noncurrent loans | 30.8264% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 4.0809% | 843 |
| Noncurrent loans to loans | 5.8964% | 496 |
| Net loans and leases to total assets | 63.5654% | 2,994 |
| Net loans and leases to deposits | 74.8079% | 3,037 |
| Net loans and leases to core deposits | 76.8480% | 3,450 |
| Total domestic deposits to total assets | 84.9715% | 3,901 |
| Equity capital to assets | 8.2754% | 5,992 |
| Core capital (leverage) ratio | 10.1236% | 3,330 |
| Tier 1 risk-based capital ratio | 16.1806% | 3,099 |
| Total risk-based capital ratio | 17.4277% | 3,054 |
| Memoranda: | ||
| Average total assets | $65,098,670 | 5,724 |
| Average earning assets | $59,801,330 | 5,700 |
| Average equity | $5,358,000 | 6,092 |
| Average total loans | $41,391,000 | 5,363 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3509% | 459 |
| Cost of funding earning assets | 0.6129% | 2,984 |
| Net interest margin | 4.7381% | 446 |
| Noninterest income to average assets | 0.5398% | 3,500 |
| Noninterest expense to average assets | 4.1060% | 791 |
| Loan and lease loss provision to assets | 0.8976% | 220 |
| Net operating income to assets | -0.1031% | 6,442 |
| Return on assets (ROA) | -0.1031% | 6,494 |
| Pretax return on assets | -0.1031% | 6,485 |
| Return on Equity (ROE) | -1.2560% | 6,515 |
| Retained earnings to average equity (ytd only) | -1.2560% | 5,986 |
| Net charge-offs to loans | 1.0778% | 556 |
| Credit loss provision to net charge-offs | 132.1429% | 1,496 |
| Earnings coverage of net charge-offs (x) | 1.1696% | 3,439 |
| Efficiency ratio | 83.7871% | 1,798 |
| Assets per employee ($millions) | 2.2623% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 3,095 |
| Loan loss allowance to noncurrent loans | 36.5711% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 3.0500% | 1,461 |
| Noncurrent loans to loans | 4.5914% | 894 |
| Net loans and leases to total assets | 61.4934% | 3,170 |
| Net loans and leases to deposits | 72.2739% | 3,146 |
| Net loans and leases to core deposits | 73.2914% | 3,668 |
| Total domestic deposits to total assets | 85.0839% | 4,000 |
| Equity capital to assets | 8.2034% | 6,247 |
| Core capital (leverage) ratio | 10.1560% | 3,205 |
| Tier 1 risk-based capital ratio | 16.3701% | 3,081 |
| Total risk-based capital ratio | 17.5327% | 3,067 |
| Memoranda: | ||
| Average total assets | $65,951,500 | 5,740 |
| Average earning assets | $60,700,000 | 5,723 |
| Average equity | $5,414,000 | 6,138 |
| Average total loans | $41,565,500 | 5,394 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5019% | 620 |
| Cost of funding earning assets | 0.9691% | 1,533 |
| Net interest margin | 4.5327% | 885 |
| Noninterest income to average assets | 0.5738% | 3,425 |
| Noninterest expense to average assets | 3.8438% | 1,179 |
| Loan and lease loss provision to assets | 0.6300% | 857 |
| Net operating income to assets | 0.2899% | 5,504 |
| Return on assets (ROA) | 0.2899% | 5,713 |
| Pretax return on assets | 0.2780% | 5,861 |
| Return on Equity (ROE) | 3.3494% | 5,406 |
| Retained earnings to average equity (ytd only) | 1.6405% | 5,042 |
| Net charge-offs to loans | 1.1875% | 854 |
| Credit loss provision to net charge-offs | 83.5294% | 3,711 |
| Earnings coverage of net charge-offs (x) | 1.2039% | 4,855 |
| Efficiency ratio | 80.8901% | 2,023 |
| Assets per employee ($millions) | 2.2861% | 6,783 |
| Cash dividends to net income (ytd only)* | 51.0204% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 3,514 |
| Loan loss allowance to noncurrent loans | 30.2035% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 3.3003% | 1,392 |
| Noncurrent loans to loans | 5.1356% | 759 |
| Net loans and leases to total assets | 62.5151% | 3,164 |
| Net loans and leases to deposits | 76.1297% | 2,783 |
| Net loans and leases to core deposits | 76.5162% | 3,465 |
| Total domestic deposits to total assets | 82.1166% | 5,056 |
| Equity capital to assets | 8.2147% | 6,272 |
| Core capital (leverage) ratio | 9.9958% | 3,403 |
| Tier 1 risk-based capital ratio | 16.1487% | 3,080 |
| Total risk-based capital ratio | 17.4015% | 3,029 |
| Memoranda: | ||
| Average total assets | $67,615,800 | 5,691 |
| Average earning assets | $62,324,400 | 5,656 |
| Average equity | $5,851,800 | 6,059 |
| Average total loans | $42,948,800 | 5,383 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5024% | 675 |
| Cost of funding earning assets | 1.0008% | 1,553 |
| Net interest margin | 4.5015% | 985 |
| Noninterest income to average assets | 0.5632% | 3,520 |
| Noninterest expense to average assets | 3.8088% | 1,195 |
| Loan and lease loss provision to assets | 0.5514% | 1,048 |
| Net operating income to assets | 0.2806% | 5,677 |
| Return on assets (ROA) | 0.2806% | 5,877 |
| Pretax return on assets | 0.3513% | 5,836 |
| Return on Equity (ROE) | 3.2026% | 5,608 |
| Retained earnings to average equity (ytd only) | 3.2026% | 4,615 |
| Net charge-offs to loans | 0.8866% | 1,235 |
| Credit loss provision to net charge-offs | 97.9094% | 3,055 |
| Earnings coverage of net charge-offs (x) | 1.6028% | 4,480 |
| Efficiency ratio | 80.8413% | 1,966 |
| Assets per employee ($millions) | 2.2897% | 6,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 3,188 |
| Loan loss allowance to noncurrent loans | 23.3995% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 4.7047% | 968 |
| Noncurrent loans to loans | 7.2199% | 498 |
| Net loans and leases to total assets | 64.0613% | 3,016 |
| Net loans and leases to deposits | 79.6607% | 2,446 |
| Net loans and leases to core deposits | 80.0730% | 3,198 |
| Total domestic deposits to total assets | 80.4178% | 5,542 |
| Equity capital to assets | 9.0946% | 5,719 |
| Core capital (leverage) ratio | 10.0459% | 3,480 |
| Tier 1 risk-based capital ratio | 16.0374% | 3,244 |
| Total risk-based capital ratio | 17.2681% | 3,218 |
| Memoranda: | ||
| Average total assets | $67,945,750 | 5,747 |
| Average earning assets | $62,614,000 | 5,713 |
| Average equity | $5,953,250 | 6,104 |
| Average total loans | $43,161,500 | 5,428 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5143% | 698 |
| Cost of funding earning assets | 1.0161% | 1,669 |
| Net interest margin | 4.4982% | 997 |
| Noninterest income to average assets | 0.5609% | 3,522 |
| Noninterest expense to average assets | 3.7306% | 1,324 |
| Loan and lease loss provision to assets | 0.4996% | 1,274 |
| Net operating income to assets | 0.3827% | 5,281 |
| Return on assets (ROA) | 0.3827% | 5,515 |
| Pretax return on assets | 0.4820% | 5,490 |
| Return on Equity (ROE) | 4.4222% | 5,076 |
| Retained earnings to average equity (ytd only) | 4.3209% | 3,741 |
| Net charge-offs to loans | 0.8533% | 1,300 |
| Credit loss provision to net charge-offs | 92.9348% | 2,957 |
| Earnings coverage of net charge-offs (x) | 1.8261% | 4,064 |
| Efficiency ratio | 79.1692% | 2,302 |
| Assets per employee ($millions) | 2.3422% | 6,872 |
| Cash dividends to net income (ytd only)* | 2.2901% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 3,309 |
| Loan loss allowance to noncurrent loans | 24.5924% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 4.3343% | 1,152 |
| Noncurrent loans to loans | 6.8352% | 582 |
| Net loans and leases to total assets | 62.3447% | 3,364 |
| Net loans and leases to deposits | 77.0842% | 2,822 |
| Net loans and leases to core deposits | 77.4721% | 3,594 |
| Total domestic deposits to total assets | 80.8786% | 5,510 |
| Equity capital to assets | 8.8187% | 5,895 |
| Core capital (leverage) ratio | 9.7397% | 3,790 |
| Tier 1 risk-based capital ratio | 15.9245% | 3,198 |
| Total risk-based capital ratio | 17.1795% | 3,168 |
| Memoranda: | ||
| Average total assets | $68,460,330 | 5,766 |
| Average earning assets | $63,181,000 | 5,729 |
| Average equity | $5,924,670 | 6,137 |
| Average total loans | $43,125,670 | 5,467 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5517% | 693 |
| Cost of funding earning assets | 1.0209% | 1,862 |
| Net interest margin | 4.5308% | 955 |
| Noninterest income to average assets | 0.5354% | 3,660 |
| Noninterest expense to average assets | 3.6957% | 1,377 |
| Loan and lease loss provision to assets | 0.2735% | 2,274 |
| Net operating income to assets | 0.5936% | 4,373 |
| Return on assets (ROA) | 0.5936% | 4,590 |
| Pretax return on assets | 0.7508% | 4,601 |
| Return on Equity (ROE) | 6.9246% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.9246% | 2,474 |
| Net charge-offs to loans | 0.2688% | 2,594 |
| Credit loss provision to net charge-offs | 162.0690% | 1,569 |
| Earnings coverage of net charge-offs (x) | 6.0690% | 2,256 |
| Efficiency ratio | 78.2984% | 2,456 |
| Assets per employee ($millions) | 2.3977% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 3,116 |
| Loan loss allowance to noncurrent loans | 42.4634% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 2.5571% | 2,311 |
| Noncurrent loans to loans | 4.1484% | 1,455 |
| Net loans and leases to total assets | 60.5540% | 3,546 |
| Net loans and leases to deposits | 74.3235% | 3,077 |
| Net loans and leases to core deposits | 74.6860% | 3,803 |
| Total domestic deposits to total assets | 81.4735% | 5,470 |
| Equity capital to assets | 8.5168% | 6,068 |
| Core capital (leverage) ratio | 9.6688% | 3,815 |
| Tier 1 risk-based capital ratio | 15.7432% | 3,325 |
| Total risk-based capital ratio | 16.9870% | 3,287 |
| Memoranda: | ||
| Average total assets | $68,728,500 | 5,803 |
| Average earning assets | $63,476,500 | 5,765 |
| Average equity | $5,892,000 | 6,174 |
| Average total loans | $43,153,000 | 5,502 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0373% | 406 |
| Cost of funding earning assets | 1.1582% | 2,292 |
| Net interest margin | 4.8791% | 534 |
| Noninterest income to average assets | 0.4533% | 4,190 |
| Noninterest expense to average assets | 3.9410% | 1,128 |
| Loan and lease loss provision to assets | 0.8619% | 1,124 |
| Net operating income to assets | 0.1968% | 5,602 |
| Return on assets (ROA) | 0.1968% | 5,730 |
| Pretax return on assets | 0.1670% | 5,861 |
| Return on Equity (ROE) | 2.0348% | 5,647 |
| Retained earnings to average equity (ytd only) | -1.0482% | 6,013 |
| Net charge-offs to loans | 1.0510% | 1,653 |
| Credit loss provision to net charge-offs | 123.7687% | 2,538 |
| Earnings coverage of net charge-offs (x) | 1.4775% | 4,659 |
| Efficiency ratio | 79.2979% | 2,405 |
| Assets per employee ($millions) | 2.3422% | 6,977 |
| Cash dividends to net income (ytd only)* | 151.5152% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 3,216 |
| Loan loss allowance to noncurrent loans | 38.6268% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 2.8090% | 2,150 |
| Noncurrent loans to loans | 4.3917% | 1,370 |
| Net loans and leases to total assets | 62.8776% | 3,433 |
| Net loans and leases to deposits | 77.6697% | 2,891 |
| Net loans and leases to core deposits | 78.0601% | 3,682 |
| Total domestic deposits to total assets | 80.9552% | 5,462 |
| Equity capital to assets | 8.6302% | 5,980 |
| Core capital (leverage) ratio | 9.6744% | 3,768 |
| Tier 1 risk-based capital ratio | 15.2088% | 3,505 |
| Total risk-based capital ratio | 16.4637% | 3,468 |
| Memoranda: | ||
| Average total assets | $67,064,800 | 5,839 |
| Average earning assets | $62,080,800 | 5,802 |
| Average equity | $6,487,200 | 6,017 |
| Average total loans | $44,433,400 | 5,497 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2164% | 316 |
| Cost of funding earning assets | 1.1933% | 2,362 |
| Net interest margin | 5.0231% | 393 |
| Noninterest income to average assets | 0.6721% | 2,760 |
| Noninterest expense to average assets | 3.9331% | 1,099 |
| Loan and lease loss provision to assets | 0.7439% | 1,282 |
| Net operating income to assets | 0.3750% | 5,104 |
| Return on assets (ROA) | 0.3750% | 5,290 |
| Pretax return on assets | 0.6462% | 4,659 |
| Return on Equity (ROE) | 3.7730% | 5,093 |
| Retained earnings to average equity (ytd only) | 1.7661% | 5,258 |
| Net charge-offs to loans | 1.0444% | 1,527 |
| Credit loss provision to net charge-offs | 106.5714% | 3,104 |
| Earnings coverage of net charge-offs (x) | 1.9914% | 4,156 |
| Efficiency ratio | 73.8854% | 3,203 |
| Assets per employee ($millions) | 2.3624% | 7,024 |
| Cash dividends to net income (ytd only)* | 53.1916% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 4,242 |
| Loan loss allowance to noncurrent loans | 46.6236% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 2.2859% | 2,800 |
| Noncurrent loans to loans | 3.1574% | 2,201 |
| Net loans and leases to total assets | 65.6699% | 2,969 |
| Net loans and leases to deposits | 81.7256% | 2,413 |
| Net loans and leases to core deposits | 82.1507% | 3,305 |
| Total domestic deposits to total assets | 80.3541% | 5,633 |
| Equity capital to assets | 10.2017% | 4,081 |
| Core capital (leverage) ratio | 10.0935% | 3,316 |
| Tier 1 risk-based capital ratio | 15.6233% | 3,320 |
| Total risk-based capital ratio | 16.8758% | 3,285 |
| Memoranda: | ||
| Average total assets | $66,850,000 | 5,882 |
| Average earning assets | $61,899,000 | 5,850 |
| Average equity | $6,643,500 | 6,015 |
| Average total loans | $44,680,250 | 5,532 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1620% | 348 |
| Cost of funding earning assets | 1.2504% | 2,247 |
| Net interest margin | 4.9115% | 476 |
| Noninterest income to average assets | 0.7066% | 2,515 |
| Noninterest expense to average assets | 3.8608% | 1,261 |
| Loan and lease loss provision to assets | 0.4353% | 2,253 |
| Net operating income to assets | 0.6261% | 3,929 |
| Return on assets (ROA) | 0.6261% | 4,055 |
| Pretax return on assets | 0.9540% | 3,414 |
| Return on Equity (ROE) | 6.3553% | 3,764 |
| Retained earnings to average equity (ytd only) | 3.3290% | 4,140 |
| Net charge-offs to loans | 0.6551% | 2,208 |
| Credit loss provision to net charge-offs | 99.3197% | 3,188 |
| Earnings coverage of net charge-offs (x) | 3.1701% | 3,280 |
| Efficiency ratio | 73.5378% | 3,458 |
| Assets per employee ($millions) | 2.3793% | 7,048 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 4,532 |
| Loan loss allowance to noncurrent loans | 35.2113% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 2.9256% | 2,293 |
| Noncurrent loans to loans | 3.9993% | 1,735 |
| Net loans and leases to total assets | 65.6840% | 3,096 |
| Net loans and leases to deposits | 81.3452% | 2,549 |
| Net loans and leases to core deposits | 81.8014% | 3,538 |
| Total domestic deposits to total assets | 80.7472% | 5,606 |
| Equity capital to assets | 10.0497% | 4,077 |
| Core capital (leverage) ratio | 9.8879% | 3,401 |
| Tier 1 risk-based capital ratio | 15.5503% | 3,215 |
| Total risk-based capital ratio | 16.8020% | 3,163 |
| Memoranda: | ||
| Average total assets | $67,084,670 | 5,922 |
| Average earning assets | $62,058,000 | 5,887 |
| Average equity | $6,608,670 | 6,049 |
| Average total loans | $44,878,000 | 5,568 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1863% | 341 |
| Cost of funding earning assets | 1.3027% | 2,155 |
| Net interest margin | 4.8836% | 480 |
| Noninterest income to average assets | 0.5764% | 3,332 |
| Noninterest expense to average assets | 3.5117% | 1,973 |
| Loan and lease loss provision to assets | 0.5348% | 1,626 |
| Net operating income to assets | 0.7309% | 3,376 |
| Return on assets (ROA) | 0.7309% | 3,441 |
| Pretax return on assets | 1.0517% | 2,937 |
| Return on Equity (ROE) | 7.4937% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.4937% | 1,944 |
| Net charge-offs to loans | 0.4078% | 2,466 |
| Credit loss provision to net charge-offs | 195.6522% | 1,515 |
| Earnings coverage of net charge-offs (x) | 5.8043% | 2,208 |
| Efficiency ratio | 68.8811% | 4,495 |
| Assets per employee ($millions) | 2.6045% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 4,271 |
| Loan loss allowance to noncurrent loans | 63.5071% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.8681% | 3,472 |
| Noncurrent loans to loans | 2.3425% | 3,146 |
| Net loans and leases to total assets | 65.5192% | 3,128 |
| Net loans and leases to deposits | 80.6907% | 2,571 |
| Net loans and leases to core deposits | 80.6907% | 3,643 |
| Total domestic deposits to total assets | 81.1979% | 5,608 |
| Equity capital to assets | 9.8219% | 4,009 |
| Core capital (leverage) ratio | 9.8565% | 3,327 |
| Tier 1 risk-based capital ratio | 15.3383% | 3,243 |
| Total risk-based capital ratio | 16.5904% | 3,203 |
| Memoranda: | ||
| Average total assets | $67,317,500 | 5,956 |
| Average earning assets | $62,331,500 | 5,922 |
| Average equity | $6,565,500 | 6,070 |
| Average total loans | $45,125,500 | 5,602 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5443% | 301 |
| Cost of funding earning assets | 1.4909% | 2,700 |
| Net interest margin | 5.0534% | 386 |
| Noninterest income to average assets | 0.6518% | 3,139 |
| Noninterest expense to average assets | 3.7513% | 1,586 |
| Loan and lease loss provision to assets | 1.0483% | 1,538 |
| Net operating income to assets | 0.4528% | 4,304 |
| Return on assets (ROA) | 0.4528% | 4,468 |
| Pretax return on assets | 0.5333% | 4,521 |
| Return on Equity (ROE) | 4.4311% | 4,328 |
| Retained earnings to average equity (ytd only) | -1.5167% | 5,888 |
| Net charge-offs to loans | 1.4336% | 1,548 |
| Credit loss provision to net charge-offs | 106.1538% | 4,212 |
| Earnings coverage of net charge-offs (x) | 1.6015% | 4,537 |
| Efficiency ratio | 70.3419% | 4,105 |
| Assets per employee ($millions) | 2.4785% | 7,039 |
| Cash dividends to net income (ytd only)* | 134.2282% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 4,591 |
| Loan loss allowance to noncurrent loans | 51.9934% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 2.1683% | 3,133 |
| Noncurrent loans to loans | 2.6629% | 2,852 |
| Net loans and leases to total assets | 66.6298% | 3,324 |
| Net loans and leases to deposits | 82.3280% | 2,743 |
| Net loans and leases to core deposits | 82.3280% | 3,858 |
| Total domestic deposits to total assets | 80.9322% | 5,542 |
| Equity capital to assets | 9.6833% | 4,163 |
| Core capital (leverage) ratio | 9.8444% | 3,271 |
| Tier 1 risk-based capital ratio | 14.6000% | 3,479 |
| Total risk-based capital ratio | 15.8517% | 3,439 |
| Memoranda: | ||
| Average total assets | $65,818,000 | 6,010 |
| Average earning assets | $60,969,000 | 5,958 |
| Average equity | $6,725,200 | 6,127 |
| Average total loans | $45,340,400 | 5,693 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6301% | 268 |
| Cost of funding earning assets | 1.5224% | 2,826 |
| Net interest margin | 5.1077% | 348 |
| Noninterest income to average assets | 0.6205% | 3,311 |
| Noninterest expense to average assets | 3.8407% | 1,298 |
| Loan and lease loss provision to assets | 0.3153% | 4,056 |
| Net operating income to assets | 0.9439% | 2,436 |
| Return on assets (ROA) | 0.9439% | 2,567 |
| Pretax return on assets | 1.1941% | 2,511 |
| Return on Equity (ROE) | 9.1159% | 2,450 |
| Retained earnings to average equity (ytd only) | 5.1866% | 2,852 |
| Net charge-offs to loans | 0.7640% | 2,516 |
| Credit loss provision to net charge-offs | 59.6154% | 5,699 |
| Earnings coverage of net charge-offs (x) | 2.8538% | 3,707 |
| Efficiency ratio | 71.7871% | 3,745 |
| Assets per employee ($millions) | 2.4476% | 7,136 |
| Cash dividends to net income (ytd only)* | 43.1035% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 6,144 |
| Loan loss allowance to noncurrent loans | 36.7456% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 2.3999% | 2,978 |
| Noncurrent loans to loans | 2.8660% | 2,786 |
| Net loans and leases to total assets | 68.3851% | 3,125 |
| Net loans and leases to deposits | 86.1574% | 2,303 |
| Net loans and leases to core deposits | 86.1574% | 3,625 |
| Total domestic deposits to total assets | 79.3723% | 5,906 |
| Equity capital to assets | 10.6407% | 3,362 |
| Core capital (leverage) ratio | 10.4634% | 2,726 |
| Tier 1 risk-based capital ratio | 16.9526% | 2,356 |
| Total risk-based capital ratio | 18.1150% | 2,350 |
| Memoranda: | ||
| Average total assets | $65,542,750 | 6,081 |
| Average earning assets | $60,691,500 | 6,039 |
| Average equity | $6,786,500 | 6,184 |
| Average total loans | $45,372,000 | 5,770 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6367% | 274 |
| Cost of funding earning assets | 1.5501% | 2,957 |
| Net interest margin | 5.0866% | 352 |
| Noninterest income to average assets | 0.6212% | 3,185 |
| Noninterest expense to average assets | 3.9564% | 1,099 |
| Loan and lease loss provision to assets | 0.2479% | 4,445 |
| Net operating income to assets | 0.8782% | 2,626 |
| Return on assets (ROA) | 0.8782% | 2,760 |
| Pretax return on assets | 1.1260% | 2,689 |
| Return on Equity (ROE) | 8.5612% | 2,643 |
| Retained earnings to average equity (ytd only) | 2.5952% | 4,489 |
| Net charge-offs to loans | 0.6892% | 2,493 |
| Credit loss provision to net charge-offs | 51.9231% | 5,377 |
| Earnings coverage of net charge-offs (x) | 2.8782% | 3,555 |
| Efficiency ratio | 74.2250% | 3,433 |
| Assets per employee ($millions) | 2.3324% | 7,319 |
| Cash dividends to net income (ytd only)* | 69.6864% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,831 |
| Loan loss allowance to noncurrent loans | 51.5641% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.8635% | 3,672 |
| Noncurrent loans to loans | 2.1792% | 3,499 |
| Net loans and leases to total assets | 68.8491% | 3,159 |
| Net loans and leases to deposits | 86.3994% | 2,444 |
| Net loans and leases to core deposits | 86.3994% | 3,774 |
| Total domestic deposits to total assets | 79.6870% | 5,824 |
| Equity capital to assets | 10.3096% | 3,639 |
| Core capital (leverage) ratio | 10.3387% | 2,783 |
| Tier 1 risk-based capital ratio | 15.0676% | 3,125 |
| Total risk-based capital ratio | 16.1936% | 3,150 |
| Memoranda: | ||
| Average total assets | $65,361,670 | 6,128 |
| Average earning assets | $60,512,000 | 6,082 |
| Average equity | $6,704,670 | 6,235 |
| Average total loans | $45,271,330 | 5,807 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5119% | 350 |
| Cost of funding earning assets | 1.6230% | 2,814 |
| Net interest margin | 4.8889% | 532 |
| Noninterest income to average assets | 0.5567% | 3,593 |
| Noninterest expense to average assets | 3.9212% | 1,144 |
| Loan and lease loss provision to assets | 0.2447% | 4,090 |
| Net operating income to assets | 0.6545% | 3,639 |
| Return on assets (ROA) | 0.6545% | 3,754 |
| Pretax return on assets | 0.9237% | 3,372 |
| Return on Equity (ROE) | 6.3971% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.3971% | 2,419 |
| Net charge-offs to loans | 0.6287% | 2,248 |
| Credit loss provision to net charge-offs | 56.3380% | 4,377 |
| Earnings coverage of net charge-offs (x) | 2.6901% | 3,194 |
| Efficiency ratio | 77.0433% | 3,055 |
| Assets per employee ($millions) | 2.3294% | 7,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 5,298 |
| Loan loss allowance to noncurrent loans | 40.0433% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 2.2139% | 3,259 |
| Noncurrent loans to loans | 3.0881% | 2,593 |
| Net loans and leases to total assets | 67.9622% | 3,397 |
| Net loans and leases to deposits | 84.3264% | 2,883 |
| Net loans and leases to core deposits | 84.9730% | 4,060 |
| Total domestic deposits to total assets | 80.5943% | 5,590 |
| Equity capital to assets | 10.3706% | 3,379 |
| Core capital (leverage) ratio | 10.3744% | 2,743 |
| Tier 1 risk-based capital ratio | 15.7247% | 2,764 |
| Total risk-based capital ratio | 16.9972% | 2,702 |
| Memoranda: | ||
| Average total assets | $65,388,500 | 6,196 |
| Average earning assets | $60,627,500 | 6,147 |
| Average equity | $6,690,500 | 6,291 |
| Average total loans | $45,169,500 | 5,876 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9162% | 310 |
| Cost of funding earning assets | 2.1730% | 2,146 |
| Net interest margin | 4.7433% | 775 |
| Noninterest income to average assets | 0.6949% | 3,015 |
| Noninterest expense to average assets | 4.0169% | 1,341 |
| Loan and lease loss provision to assets | 0.6018% | 3,384 |
| Net operating income to assets | 0.4032% | 4,117 |
| Return on assets (ROA) | 0.4032% | 4,222 |
| Pretax return on assets | 0.4704% | 4,283 |
| Return on Equity (ROE) | 4.3303% | 3,951 |
| Retained earnings to average equity (ytd only) | -0.5905% | 5,139 |
| Net charge-offs to loans | 0.4909% | 3,806 |
| Credit loss provision to net charge-offs | 176.6816% | 2,368 |
| Earnings coverage of net charge-offs (x) | 3.1480% | 3,485 |
| Efficiency ratio | 78.9316% | 3,054 |
| Assets per employee ($millions) | 2.3412% | 7,421 |
| Cash dividends to net income (ytd only)* | 113.6364% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 4,823 |
| Loan loss allowance to noncurrent loans | 50.4303% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 1.9511% | 3,455 |
| Noncurrent loans to loans | 2.5563% | 2,999 |
| Net loans and leases to total assets | 68.4489% | 3,598 |
| Net loans and leases to deposits | 81.8799% | 3,641 |
| Net loans and leases to core deposits | 106.4555% | 3,283 |
| Total domestic deposits to total assets | 83.5967% | 4,235 |
| Equity capital to assets | 10.0940% | 3,627 |
| Core capital (leverage) ratio | 10.1278% | 2,970 |
| Tier 1 risk-based capital ratio | 15.7807% | 2,610 |
| Total risk-based capital ratio | 15.7807% | 3,143 |
| Memoranda: | ||
| Average total assets | $65,473,400 | 6,154 |
| Average earning assets | $60,654,400 | 6,105 |
| Average equity | $6,096,600 | 6,573 |
| Average total loans | $45,427,000 | 5,854 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0280% | 289 |
| Cost of funding earning assets | 2.2357% | 2,252 |
| Net interest margin | 4.7923% | 694 |
| Noninterest income to average assets | 0.6457% | 3,375 |
| Noninterest expense to average assets | 4.0802% | 1,172 |
| Loan and lease loss provision to assets | 0.2506% | 4,947 |
| Net operating income to assets | 0.5765% | 3,698 |
| Return on assets (ROA) | 0.5765% | 3,767 |
| Pretax return on assets | 0.7557% | 3,688 |
| Return on Equity (ROE) | 6.3240% | 3,385 |
| Retained earnings to average equity (ytd only) | 4.0893% | 2,993 |
| Net charge-offs to loans | 0.4462% | 3,445 |
| Credit loss provision to net charge-offs | 80.9211% | 5,739 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,614 |
| Efficiency ratio | 80.2163% | 2,811 |
| Assets per employee ($millions) | 2.2602% | 7,542 |
| Cash dividends to net income (ytd only)* | 35.3361% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 6,955 |
| Loan loss allowance to noncurrent loans | 32.7119% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 1.8537% | 3,580 |
| Noncurrent loans to loans | 2.5972% | 2,908 |
| Net loans and leases to total assets | 68.7273% | 3,790 |
| Net loans and leases to deposits | 83.0057% | 3,832 |
| Net loans and leases to core deposits | 108.7249% | 3,381 |
| Total domestic deposits to total assets | 82.7983% | 4,324 |
| Equity capital to assets | 9.4071% | 4,873 |
| Core capital (leverage) ratio | 10.5547% | 2,752 |
| Tier 1 risk-based capital ratio | 17.9371% | 2,010 |
| Total risk-based capital ratio | 18.9305% | 2,027 |
| Memoranda: | ||
| Average total assets | $65,453,250 | 6,195 |
| Average earning assets | $60,650,750 | 6,153 |
| Average equity | $5,966,500 | 6,673 |
| Average total loans | $45,419,500 | 5,907 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9133% | 371 |
| Cost of funding earning assets | 2.2945% | 2,377 |
| Net interest margin | 4.6188% | 921 |
| Noninterest income to average assets | 0.6236% | 3,507 |
| Noninterest expense to average assets | 4.0567% | 1,241 |
| Loan and lease loss provision to assets | 0.2476% | 4,598 |
| Net operating income to assets | 0.3516% | 4,675 |
| Return on assets (ROA) | 0.3516% | 4,792 |
| Pretax return on assets | 0.5900% | 4,348 |
| Return on Equity (ROE) | 3.8983% | 4,537 |
| Retained earnings to average equity (ytd only) | 0.5085% | 5,003 |
| Net charge-offs to loans | 0.2951% | 3,710 |
| Credit loss provision to net charge-offs | 120.8955% | 3,840 |
| Earnings coverage of net charge-offs (x) | 4.0896% | 3,220 |
| Efficiency ratio | 82.8857% | 2,616 |
| Assets per employee ($millions) | 2.2514% | 7,620 |
| Cash dividends to net income (ytd only)* | 86.9565% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,546 |
| Loan loss allowance to noncurrent loans | 35.6017% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 1.9819% | 3,220 |
| Noncurrent loans to loans | 2.6733% | 2,695 |
| Net loans and leases to total assets | 68.3826% | 4,089 |
| Net loans and leases to deposits | 82.1049% | 4,209 |
| Net loans and leases to core deposits | 107.3736% | 3,680 |
| Total domestic deposits to total assets | 83.2869% | 4,111 |
| Equity capital to assets | 8.9891% | 5,335 |
| Core capital (leverage) ratio | 10.2936% | 3,003 |
| Tier 1 risk-based capital ratio | 14.8954% | 3,065 |
| Total risk-based capital ratio | 15.8349% | 3,142 |
| Memoranda: | ||
| Average total assets | $65,422,330 | 6,248 |
| Average earning assets | $60,492,330 | 6,202 |
| Average equity | $5,900,000 | 6,758 |
| Average total loans | $45,414,670 | 5,966 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0366% | 315 |
| Cost of funding earning assets | 2.3279% | 2,587 |
| Net interest margin | 4.7086% | 751 |
| Noninterest income to average assets | 0.5680% | 3,773 |
| Noninterest expense to average assets | 3.9885% | 1,198 |
| Loan and lease loss provision to assets | 0.2504% | 3,968 |
| Net operating income to assets | 0.3665% | 4,989 |
| Return on assets (ROA) | 0.3665% | 5,172 |
| Pretax return on assets | 0.6902% | 4,465 |
| Return on Equity (ROE) | 4.0571% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.0571% | 3,641 |
| Net charge-offs to loans | -0.0351% | 7,598 |
| Credit loss provision to net charge-offs | -1,025.0000% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9170% | 2,685 |
| Assets per employee ($millions) | 2.2897% | 7,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 6,074 |
| Loan loss allowance to noncurrent loans | 41.1081% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 1.6852% | 3,397 |
| Noncurrent loans to loans | 2.4713% | 2,663 |
| Net loans and leases to total assets | 67.4985% | 4,243 |
| Net loans and leases to deposits | 80.8219% | 4,487 |
| Net loans and leases to core deposits | 104.9281% | 4,035 |
| Total domestic deposits to total assets | 83.5151% | 3,915 |
| Equity capital to assets | 9.0015% | 5,345 |
| Core capital (leverage) ratio | 10.3381% | 3,081 |
| Tier 1 risk-based capital ratio | 15.8606% | 2,736 |
| Total risk-based capital ratio | 16.9261% | 2,728 |
| Memoranda: | ||
| Average total assets | $65,488,500 | 6,274 |
| Average earning assets | $60,654,500 | 6,228 |
| Average equity | $5,915,500 | 6,804 |
| Average total loans | $45,584,000 | 5,981 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8164% | 242 |
| Cost of funding earning assets | 2.7921% | 2,739 |
| Net interest margin | 5.0244% | 480 |
| Noninterest income to average assets | 0.6968% | 3,139 |
| Noninterest expense to average assets | 3.7486% | 1,857 |
| Loan and lease loss provision to assets | 0.6814% | 2,136 |
| Net operating income to assets | 0.7060% | 3,869 |
| Return on assets (ROA) | 0.7060% | 3,700 |
| Pretax return on assets | 0.9198% | 3,661 |
| Return on Equity (ROE) | 7.0899% | 3,484 |
| Retained earnings to average equity (ytd only) | 0.9113% | 4,681 |
| Net charge-offs to loans | 1.1448% | 1,057 |
| Credit loss provision to net charge-offs | 83.2707% | 5,835 |
| Earnings coverage of net charge-offs (x) | 1.9568% | 5,086 |
| Efficiency ratio | 70.0690% | 4,337 |
| Assets per employee ($millions) | 2.1526% | 7,767 |
| Cash dividends to net income (ytd only)* | 87.1460% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 6,658 |
| Loan loss allowance to noncurrent loans | 36.0870% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7808% | 2,752 |
| Noncurrent loans to loans | 2.5060% | 2,173 |
| Net loans and leases to total assets | 70.4183% | 3,921 |
| Net loans and leases to deposits | 87.9762% | 3,811 |
| Net loans and leases to core deposits | 115.0891% | 3,231 |
| Total domestic deposits to total assets | 80.0424% | 5,004 |
| Equity capital to assets | 9.0651% | 5,273 |
| Core capital (leverage) ratio | 10.4654% | 3,007 |
| Tier 1 risk-based capital ratio | 15.6798% | 2,791 |
| Total risk-based capital ratio | 16.6386% | 2,819 |
| Memoranda: | ||
| Average total assets | $65,011,200 | 6,192 |
| Average earning assets | $60,206,400 | 6,163 |
| Average equity | $6,474,000 | 6,650 |
| Average total loans | $46,470,600 | 5,856 |